id	sid	tid	token	lemma	pos
cjfa-30910	1	1	date	date	NOUN
cjfa-30910	1	2	of	of	ADP
cjfa-30910	1	3	submission	submission	NOUN
cjfa-30910	1	4	:	:	PUNCT
cjfa-30910	1	5	april	april	PROPN
cjfa-30910	1	6	16	16	NUM
cjfa-30910	1	7	,	,	PUNCT
cjfa-30910	1	8	2020	2020	NUM
cjfa-30910	1	9	;	;	PUNCT
cjfa-30910	1	10	date	date	NOUN
cjfa-30910	1	11	of	of	ADP
cjfa-30910	1	12	acceptance	acceptance	NOUN
cjfa-30910	1	13	:	:	PUNCT
cjfa-30910	1	14	june	june	PROPN
cjfa-30910	1	15	12	12	NUM
cjfa-30910	1	16	,	,	PUNCT
cjfa-30910	1	17	2020	2020	NUM
cjfa-30910	1	18	.	.	PUNCT
cjfa-30910	2	1	*	*	PUNCT
cjfa-30910	2	2	contact	contact	NOUN
cjfa-30910	2	3	information	information	NOUN
cjfa-30910	2	4	:	:	PUNCT
cjfa-30910	3	1	e	e	X
cjfa-30910	3	2	-	-	NOUN
cjfa-30910	3	3	mail	mail	NOUN
cjfa-30910	3	4	:	:	PUNCT
cjfa-30910	3	5	dr.smubaraq@gmail.com	dr.smubaraq@gmail.com	PROPN
cjfa-30910	3	6	,	,	PUNCT
cjfa-30910	3	7	department	department	NOUN
cjfa-30910	3	8	of	of	ADP
cjfa-30910	3	9	accounting	accounting	NOUN
cjfa-30910	3	10	and	and	CCONJ
cjfa-30910	3	11	finance	finance	NOUN
cjfa-30910	3	12	,	,	PUNCT
cjfa-30910	3	13	kwara	kwara	PROPN
cjfa-30910	3	14	state	state	PROPN
cjfa-30910	3	15	university	university	PROPN
cjfa-30910	3	16	,	,	PUNCT
cjfa-30910	3	17	malete	malete	NOUN
cjfa-30910	3	18	,	,	PUNCT
cjfa-30910	3	19	nigeria	nigeria	PROPN
cjfa-30910	3	20	,	,	PUNCT
cjfa-30910	3	21	phone	phone	NOUN
cjfa-30910	3	22	:	:	PUNCT
cjfa-30910	3	23	+2348030817202	+2348030817202	NUM
cjfa-30910	3	24	;	;	PUNCT
cjfa-30910	3	25	orcid	orcid	PROPN
cjfa-30910	4	1	i	i	NOUN
cjfa-30910	4	2	d	d	NOUN
cjfa-30910	4	3	:	:	PUNCT
cjfa-30910	4	4	https://orcid.org/0000-0002-3609-3136	https://orcid.org/0000-0002-3609-3136	VERB
cjfa-30910	4	5	.	.	PUNCT
cjfa-30910	5	1	*	*	PUNCT
cjfa-30910	5	2	*	*	PUNCT
cjfa-30910	5	3	contact	contact	NOUN
cjfa-30910	5	4	information	information	NOUN
cjfa-30910	5	5	:	:	PUNCT
cjfa-30910	5	6	okelukman2003@yahoo.com	okelukman2003@yahoo.com	NUM
cjfa-30910	5	7	,	,	PUNCT
cjfa-30910	5	8	department	department	NOUN
cjfa-30910	5	9	of	of	ADP
cjfa-30910	5	10	accounting	accounting	NOUN
cjfa-30910	5	11	and	and	CCONJ
cjfa-30910	5	12	finance	finance	NOUN
cjfa-30910	5	13	,	,	PUNCT
cjfa-30910	5	14	kwara	kwara	PROPN
cjfa-30910	5	15	state	state	PROPN
cjfa-30910	5	16	university	university	PROPN
cjfa-30910	5	17	,	,	PUNCT
cjfa-30910	5	18	malete	malete	NOUN
cjfa-30910	5	19	,	,	PUNCT
cjfa-30910	5	20	nigeria	nigeria	PROPN
cjfa-30910	5	21	,	,	PUNCT
cjfa-30910	5	22	phone	phone	NOUN
cjfa-30910	5	23	:	:	PUNCT
cjfa-30910	5	24	+2348034305255	+2348034305255	NOUN
cjfa-30910	5	25	;	;	PUNCT
cjfa-30910	5	26	orcid	orcid	PROPN
cjfa-30910	6	1	i	i	NOUN
cjfa-30910	6	2	d	d	NOUN
cjfa-30910	6	3	:	:	PUNCT
cjfa-30910	7	1	https://orcid.org/0000-0003-2019-989x	https://orcid.org/0000-0003-2019-989x	PROPN
cjfa-30910	7	2	.	.	PUNCT
cjfa-30910	8	1	*	*	PUNCT
cjfa-30910	8	2	*	*	PUNCT
cjfa-30910	8	3	*	*	PUNCT
cjfa-30910	8	4	contact	contact	NOUN
cjfa-30910	8	5	information	information	NOUN
cjfa-30910	8	6	:	:	PUNCT
cjfa-30910	8	7	alayande.idayat@gmail.com	alayande.idayat@gmail.com	X
cjfa-30910	8	8	,	,	PUNCT
cjfa-30910	8	9	department	department	NOUN
cjfa-30910	8	10	of	of	ADP
cjfa-30910	8	11	accounting	accounting	NOUN
cjfa-30910	8	12	and	and	CCONJ
cjfa-30910	8	13	finance	finance	NOUN
cjfa-30910	8	14	,	,	PUNCT
cjfa-30910	8	15	kwara	kwara	PROPN
cjfa-30910	8	16	state	state	PROPN
cjfa-30910	8	17	university	university	PROPN
cjfa-30910	8	18	,	,	PUNCT
cjfa-30910	8	19	malete	malete	NOUN
cjfa-30910	8	20	,	,	PUNCT
cjfa-30910	8	21	nigeria	nigeria	PROPN
cjfa-30910	8	22	.	.	PUNCT
cjfa-30910	9	1	phone	phone	NOUN
cjfa-30910	9	2	:	:	PUNCT
cjfa-30910	9	3	+234830806925	+234830806925	NOUN
cjfa-30910	9	4	;	;	PUNCT
cjfa-30910	9	5	orcid	orcid	PROPN
cjfa-30910	10	1	i	i	NOUN
cjfa-30910	10	2	d	d	NOUN
cjfa-30910	10	3	:	:	PUNCT
cjfa-30910	10	4	https://orcid.org/0000-0001-7094-0573	https://orcid.org/0000-0001-7094-0573	PROPN
cjfa-30910	10	5	.	.	PUNCT
cjfa-30910	11	1	copernican	copernican	PROPN
cjfa-30910	11	2	journal	journal	PROPN
cjfa-30910	11	3	of	of	ADP
cjfa-30910	11	4	finance	finance	PROPN
cjfa-30910	11	5	&	&	CCONJ
cjfa-30910	11	6	accounting	accounting	PROPN
cjfa-30910	11	7	e	e	PROPN
cjfa-30910	11	8	-	-	PROPN
cjfa-30910	11	9	issn	issn	PROPN
cjfa-30910	11	10	2300	2300	NUM
cjfa-30910	11	11	-	-	SYM
cjfa-30910	11	12	3065	3065	NUM
cjfa-30910	11	13	p	p	PROPN
cjfa-30910	11	14	-	-	PUNCT
cjfa-30910	11	15	issn	issn	PROPN
cjfa-30910	11	16	2300	2300	NUM
cjfa-30910	11	17	-	-	SYM
cjfa-30910	11	18	12402020	12402020	NUM
cjfa-30910	11	19	,	,	PUNCT
cjfa-30910	11	20	volume	volume	NOUN
cjfa-30910	11	21	9	9	NUM
cjfa-30910	11	22	,	,	PUNCT
cjfa-30910	11	23	issue	issue	NOUN
cjfa-30910	11	24	2	2	NUM
cjfa-30910	11	25	sanni	sanni	NOUN
cjfa-30910	11	26	,	,	PUNCT
cjfa-30910	11	27	m.	m.	NOUN
cjfa-30910	11	28	,	,	PUNCT
cjfa-30910	11	29	oke	oke	PROPN
cjfa-30910	11	30	,	,	PUNCT
cjfa-30910	11	31	l.a	l.a	PROPN
cjfa-30910	11	32	.	.	PROPN
cjfa-30910	11	33	,	,	PUNCT
cjfa-30910	11	34	&	&	CCONJ
cjfa-30910	11	35	alayande	alayande	PROPN
cjfa-30910	11	36	,	,	PUNCT
cjfa-30910	11	37	i.t	i.t	PROPN
cjfa-30910	11	38	.	.	PUNCT
cjfa-30910	11	39	(	(	PUNCT
cjfa-30910	11	40	2020	2020	NUM
cjfa-30910	11	41	)	)	PUNCT
cjfa-30910	11	42	.	.	PUNCT
cjfa-30910	12	1	bank	bank	NOUN
cjfa-30910	12	2	credit	credit	NOUN
cjfa-30910	12	3	accessibility	accessibility	NOUN
cjfa-30910	12	4	and	and	CCONJ
cjfa-30910	12	5	performance	performance	NOUN
cjfa-30910	12	6	of	of	ADP
cjfa-30910	12	7	smes	sme	NOUN
cjfa-30910	12	8	in	in	ADP
cjfa-30910	12	9	kwara	kwara	PROPN
cjfa-30910	12	10	state	state	PROPN
cjfa-30910	12	11	,	,	PUNCT
cjfa-30910	12	12	nigeria	nigeria	PROPN
cjfa-30910	12	13	:	:	PUNCT
cjfa-30910	12	14	a	a	DET
cjfa-30910	12	15	pls	pls	ADJ
cjfa-30910	12	16	-	-	PUNCT
cjfa-30910	12	17	sem	sem	NOUN
cjfa-30910	12	18	analysis	analysis	NOUN
cjfa-30910	12	19	.	.	PUNCT
cjfa-30910	13	1	copernican	copernican	PROPN
cjfa-30910	13	2	journal	journal	PROPN
cjfa-30910	13	3	of	of	ADP
cjfa-30910	13	4	finance	finance	PROPN
cjfa-30910	13	5	&	&	CCONJ
cjfa-30910	13	6	accounting	accounting	PROPN
cjfa-30910	13	7	,	,	PUNCT
cjfa-30910	13	8	9(2	9(2	NUM
cjfa-30910	13	9	)	)	PUNCT
cjfa-30910	13	10	,	,	PUNCT
cjfa-30910	13	11	45–64	45–64	PROPN
cjfa-30910	13	12	.	.	PUNCT
cjfa-30910	14	1	http://dx.doi.org/10.12775/cjfa.2020.007	http://dx.doi.org/10.12775/cjfa.2020.007	PROPN
cjfa-30910	14	2	mubaraq	mubaraq	PROPN
cjfa-30910	14	3	sanni	sanni	PROPN
cjfa-30910	14	4	*	*	PROPN
cjfa-30910	14	5	kwara	kwara	PROPN
cjfa-30910	14	6	state	state	PROPN
cjfa-30910	14	7	university	university	PROPN
cjfa-30910	14	8	lukman	lukman	PROPN
cjfa-30910	14	9	adebayo	adebayo	PROPN
cjfa-30910	14	10	oke	oke	PROPN
cjfa-30910	14	11	*	*	PROPN
cjfa-30910	14	12	*	*	PROPN
cjfa-30910	14	13	kwara	kwara	PROPN
cjfa-30910	14	14	state	state	PROPN
cjfa-30910	14	15	university	university	PROPN
cjfa-30910	14	16	idayat	idayat	PROPN
cjfa-30910	14	17	titilayo	titilayo	VERB
cjfa-30910	14	18	alayande	alayande	VERB
cjfa-30910	14	19	*	*	PROPN
cjfa-30910	14	20	*	*	PROPN
cjfa-30910	14	21	*	*	PROPN
cjfa-30910	14	22	kwara	kwara	PROPN
cjfa-30910	14	23	state	state	PROPN
cjfa-30910	14	24	university	university	PROPN
cjfa-30910	14	25	bank	bank	PROPN
cjfa-30910	14	26	credit	credit	NOUN
cjfa-30910	14	27	accessibility	accessibility	NOUN
cjfa-30910	14	28	and	and	CCONJ
cjfa-30910	14	29	performance	performance	NOUN
cjfa-30910	14	30	of	of	ADP
cjfa-30910	14	31	smes	sme	NOUN
cjfa-30910	14	32	in	in	ADP
cjfa-30910	14	33	kwara	kwara	PROPN
cjfa-30910	14	34	state	state	PROPN
cjfa-30910	14	35	,	,	PUNCT
cjfa-30910	14	36	nigeria	nigeria	PROPN
cjfa-30910	14	37	:	:	PUNCT
cjfa-30910	14	38	a	a	DET
cjfa-30910	14	39	pls	pls	ADJ
cjfa-30910	14	40	-	-	PUNCT
cjfa-30910	14	41	sem	sem	NOUN
cjfa-30910	14	42	analysis	analysis	NOUN
cjfa-30910	14	43	keywords	keyword	NOUN
cjfa-30910	14	44	:	:	PUNCT
cjfa-30910	14	45	credit	credit	NOUN
cjfa-30910	14	46	,	,	PUNCT
cjfa-30910	14	47	performance	performance	NOUN
cjfa-30910	14	48	,	,	PUNCT
cjfa-30910	14	49	dmbs	dmb	NOUN
cjfa-30910	14	50	,	,	PUNCT
cjfa-30910	14	51	smes	sme	NOUN
cjfa-30910	14	52	,	,	PUNCT
cjfa-30910	14	53	pls	pls	NOUN
cjfa-30910	14	54	-	-	PUNCT
cjfa-30910	14	55	sem	sem	NOUN
cjfa-30910	14	56	.	.	PUNCT
cjfa-30910	15	1	j	j	PROPN
cjfa-30910	15	2	e	e	PROPN
cjfa-30910	15	3	l	l	PROPN
cjfa-30910	15	4	classification	classification	NOUN
cjfa-30910	15	5	:	:	PUNCT
cjfa-30910	15	6	c29	c29	NOUN
cjfa-30910	15	7	,	,	PUNCT
cjfa-30910	15	8	e51	e51	NOUN
cjfa-30910	15	9	,	,	PUNCT
cjfa-30910	15	10	g21	g21	PROPN
cjfa-30910	15	11	,	,	PUNCT
cjfa-30910	15	12	l25	l25	NOUN
cjfa-30910	15	13	.	.	PUNCT
cjfa-30910	16	1	abstract	abstract	NOUN
cjfa-30910	16	2	:	:	PUNCT
cjfa-30910	16	3	this	this	DET
cjfa-30910	16	4	study	study	NOUN
cjfa-30910	16	5	examines	examine	VERB
cjfa-30910	16	6	the	the	DET
cjfa-30910	16	7	effect	effect	NOUN
cjfa-30910	16	8	deposit	deposit	NOUN
cjfa-30910	16	9	money	money	NOUN
cjfa-30910	16	10	banks	bank	NOUN
cjfa-30910	16	11	credit	credit	NOUN
cjfa-30910	16	12	accessibility	accessibility	NOUN
cjfa-30910	16	13	on	on	ADP
cjfa-30910	16	14	smes	sme	NOUN
cjfa-30910	16	15	performance	performance	NOUN
cjfa-30910	16	16	in	in	ADP
cjfa-30910	16	17	kwara	kwara	PROPN
cjfa-30910	16	18	state	state	PROPN
cjfa-30910	16	19	,	,	PUNCT
cjfa-30910	16	20	nigeria	nigeria	PROPN
cjfa-30910	16	21	.	.	PUNCT
cjfa-30910	17	1	the	the	DET
cjfa-30910	17	2	population	population	NOUN
cjfa-30910	17	3	of	of	ADP
cjfa-30910	17	4	the	the	DET
cjfa-30910	17	5	study	study	NOUN
cjfa-30910	17	6	consists	consist	VERB
cjfa-30910	17	7	of	of	ADP
cjfa-30910	17	8	three	three	NUM
cjfa-30910	17	9	hundred	hundred	NUM
cjfa-30910	17	10	and	and	CCONJ
cjfa-30910	17	11	eighty	eighty	NUM
cjfa-30910	17	12	-	-	PUNCT
cjfa-30910	17	13	two	two	NUM
cjfa-30910	17	14	(	(	PUNCT
cjfa-30910	17	15	382	382	NUM
cjfa-30910	17	16	)	)	PUNCT
cjfa-30910	17	17	respondents	respondent	NOUN
cjfa-30910	17	18	and	and	CCONJ
cjfa-30910	17	19	one	one	NUM
cjfa-30910	17	20	hundred	hundred	NUM
cjfa-30910	17	21	and	and	CCONJ
cjfa-30910	17	22	ninety	ninety	NUM
cjfa-30910	17	23	-	-	PUNCT
cjfa-30910	17	24	eight	eight	NUM
cjfa-30910	17	25	(	(	PUNCT
cjfa-30910	17	26	198	198	NUM
cjfa-30910	17	27	)	)	PUNCT
cjfa-30910	17	28	were	be	AUX
cjfa-30910	17	29	randomly	randomly	ADV
cjfa-30910	17	30	selected	select	VERB
cjfa-30910	17	31	as	as	ADP
cjfa-30910	17	32	the	the	DET
cjfa-30910	17	33	sample	sample	NOUN
cjfa-30910	17	34	size	size	NOUN
cjfa-30910	17	35	of	of	ADP
cjfa-30910	17	36	the	the	DET
cjfa-30910	17	37	study	study	NOUN
cjfa-30910	17	38	.	.	PUNCT
cjfa-30910	18	1	data	datum	NOUN
cjfa-30910	18	2	were	be	AUX
cjfa-30910	18	3	drawn	draw	VERB
cjfa-30910	18	4	from	from	ADP
cjfa-30910	18	5	the	the	DET
cjfa-30910	18	6	primary	primary	ADJ
cjfa-30910	18	7	source	source	NOUN
cjfa-30910	18	8	to	to	PART
cjfa-30910	18	9	elicit	elicit	VERB
cjfa-30910	18	10	responses	response	NOUN
cjfa-30910	18	11	from	from	ADP
cjfa-30910	18	12	sme	sme	NOUN
cjfa-30910	18	13	owners	owner	NOUN
cjfa-30910	18	14	/	/	SYM
cjfa-30910	18	15	managers	manager	NOUN
cjfa-30910	18	16	.	.	PUNCT
cjfa-30910	19	1	descriptive	descriptive	ADJ
cjfa-30910	19	2	statismubaraq	statismubaraq	PROPN
cjfa-30910	19	3	sanni	sanni	PROPN
cjfa-30910	19	4	,	,	PUNCT
cjfa-30910	19	5	lukman	lukman	PROPN
cjfa-30910	19	6	adebayo	adebayo	PROPN
cjfa-30910	19	7	oke	oke	PROPN
cjfa-30910	19	8	,	,	PUNCT
cjfa-30910	19	9	idayat	idayat	PROPN
cjfa-30910	19	10	titilayo	titilayo	PROPN
cjfa-30910	19	11	alayande46	alayande46	PROPN
cjfa-30910	19	12	tics	tic	NOUN
cjfa-30910	19	13	and	and	CCONJ
cjfa-30910	19	14	partial	partial	ADJ
cjfa-30910	19	15	least	least	ADJ
cjfa-30910	19	16	square	square	ADJ
cjfa-30910	19	17	structural	structural	ADJ
cjfa-30910	19	18	equation	equation	NOUN
cjfa-30910	19	19	model	model	NOUN
cjfa-30910	19	20	(	(	PUNCT
cjfa-30910	19	21	pls	pls	INTJ
cjfa-30910	19	22	-	-	PUNCT
cjfa-30910	19	23	sem	sem	NOUN
cjfa-30910	19	24	)	)	PUNCT
cjfa-30910	19	25	estimation	estimation	NOUN
cjfa-30910	19	26	techniques	technique	NOUN
cjfa-30910	19	27	were	be	AUX
cjfa-30910	19	28	employed	employ	VERB
cjfa-30910	19	29	to	to	PART
cjfa-30910	19	30	analyse	analyse	VERB
cjfa-30910	19	31	the	the	DET
cjfa-30910	19	32	data	datum	NOUN
cjfa-30910	19	33	collected	collect	VERB
cjfa-30910	19	34	.	.	PUNCT
cjfa-30910	20	1	the	the	DET
cjfa-30910	20	2	study	study	NOUN
cjfa-30910	20	3	revealed	reveal	VERB
cjfa-30910	20	4	that	that	SCONJ
cjfa-30910	20	5	deposit	deposit	NOUN
cjfa-30910	20	6	money	money	NOUN
cjfa-30910	20	7	banks	bank	NOUN
cjfa-30910	20	8	credit	credit	NOUN
cjfa-30910	20	9	accessibility	accessibility	NOUN
cjfa-30910	20	10	has	have	VERB
cjfa-30910	20	11	a	a	DET
cjfa-30910	20	12	positive	positive	ADJ
cjfa-30910	20	13	significant	significant	ADJ
cjfa-30910	20	14	effect	effect	NOUN
cjfa-30910	20	15	on	on	ADP
cjfa-30910	20	16	sme	sme	NOUN
cjfa-30910	20	17	performance	performance	NOUN
cjfa-30910	20	18	(	(	PUNCT
cjfa-30910	20	19	t=10.795	t=10.795	NUM
cjfa-30910	20	20	,	,	PUNCT
cjfa-30910	20	21	β=0.043	β=0.043	X
cjfa-30910	20	22	)	)	PUNCT
cjfa-30910	20	23	at	at	ADP
cjfa-30910	20	24	5	5	NUM
cjfa-30910	20	25	%	%	NOUN
cjfa-30910	20	26	significance	significance	NOUN
cjfa-30910	20	27	level	level	NOUN
cjfa-30910	20	28	and	and	CCONJ
cjfa-30910	20	29	credit	credit	NOUN
cjfa-30910	20	30	related	relate	VERB
cjfa-30910	20	31	charges	charge	NOUN
cjfa-30910	20	32	(	(	PUNCT
cjfa-30910	20	33	interest	interest	NOUN
cjfa-30910	20	34	)	)	PUNCT
cjfa-30910	20	35	also	also	ADV
cjfa-30910	20	36	has	have	VERB
cjfa-30910	20	37	a	a	DET
cjfa-30910	20	38	positive	positive	ADJ
cjfa-30910	20	39	significant	significant	ADJ
cjfa-30910	20	40	effect	effect	NOUN
cjfa-30910	20	41	on	on	ADP
cjfa-30910	20	42	sme	sme	NOUN
cjfa-30910	20	43	performance	performance	NOUN
cjfa-30910	20	44	(	(	PUNCT
cjfa-30910	20	45	t=10.690	t=10.690	NUM
cjfa-30910	20	46	,	,	PUNCT
cjfa-30910	20	47	β	β	X
cjfa-30910	20	48	=	=	NOUN
cjfa-30910	20	49	0.458	0.458	NUM
cjfa-30910	20	50	)	)	PUNCT
cjfa-30910	20	51	.	.	PUNCT
cjfa-30910	21	1	this	this	PRON
cjfa-30910	21	2	implies	imply	VERB
cjfa-30910	21	3	that	that	SCONJ
cjfa-30910	21	4	provision	provision	NOUN
cjfa-30910	21	5	of	of	ADP
cjfa-30910	21	6	finance	finance	NOUN
cjfa-30910	21	7	by	by	ADP
cjfa-30910	21	8	deposit	deposit	NOUN
cjfa-30910	21	9	money	money	NOUN
cjfa-30910	21	10	banks	bank	NOUN
cjfa-30910	21	11	at	at	ADP
cjfa-30910	21	12	relatively	relatively	ADV
cjfa-30910	21	13	low	low	ADJ
cjfa-30910	21	14	cost	cost	NOUN
cjfa-30910	21	15	play	play	VERB
cjfa-30910	21	16	an	an	DET
cjfa-30910	21	17	important	important	ADJ
cjfa-30910	21	18	role	role	NOUN
cjfa-30910	21	19	in	in	ADP
cjfa-30910	21	20	boosting	boost	VERB
cjfa-30910	21	21	the	the	DET
cjfa-30910	21	22	performance	performance	NOUN
cjfa-30910	21	23	of	of	ADP
cjfa-30910	21	24	smes	sme	NOUN
cjfa-30910	21	25	.	.	PUNCT
cjfa-30910	22	1	the	the	DET
cjfa-30910	22	2	study	study	NOUN
cjfa-30910	22	3	therefore	therefore	ADV
cjfa-30910	22	4	concluded	conclude	VERB
cjfa-30910	22	5	that	that	SCONJ
cjfa-30910	22	6	smes	sme	NOUN
cjfa-30910	22	7	in	in	ADP
cjfa-30910	22	8	kwara	kwara	PROPN
cjfa-30910	22	9	state	state	PROPN
cjfa-30910	22	10	are	be	AUX
cjfa-30910	22	11	faced	face	VERB
cjfa-30910	22	12	with	with	ADP
cjfa-30910	22	13	the	the	DET
cjfa-30910	22	14	problem	problem	NOUN
cjfa-30910	22	15	of	of	ADP
cjfa-30910	22	16	access	access	NOUN
cjfa-30910	22	17	to	to	ADP
cjfa-30910	22	18	finance	finance	NOUN
cjfa-30910	22	19	as	as	SCONJ
cjfa-30910	22	20	they	they	PRON
cjfa-30910	22	21	are	be	AUX
cjfa-30910	22	22	not	not	PART
cjfa-30910	22	23	fully	fully	ADV
cjfa-30910	22	24	benefiting	benefit	VERB
cjfa-30910	22	25	from	from	ADP
cjfa-30910	22	26	the	the	DET
cjfa-30910	22	27	credit	credit	NOUN
cjfa-30910	22	28	facilities	facility	NOUN
cjfa-30910	22	29	of	of	ADP
cjfa-30910	22	30	the	the	DET
cjfa-30910	22	31	deposit	deposit	NOUN
cjfa-30910	22	32	money	money	NOUN
cjfa-30910	22	33	banks	bank	NOUN
cjfa-30910	22	34	.	.	PUNCT
cjfa-30910	23	1	the	the	DET
cjfa-30910	23	2	study	study	NOUN
cjfa-30910	23	3	therefore	therefore	ADV
cjfa-30910	23	4	recommended	recommend	VERB
cjfa-30910	23	5	that	that	SCONJ
cjfa-30910	23	6	deposit	deposit	NOUN
cjfa-30910	23	7	money	money	NOUN
cjfa-30910	23	8	banks	bank	NOUN
cjfa-30910	23	9	should	should	AUX
cjfa-30910	23	10	put	put	VERB
cjfa-30910	23	11	in	in	ADP
cjfa-30910	23	12	place	place	NOUN
cjfa-30910	23	13	a	a	DET
cjfa-30910	23	14	more	more	ADJ
cjfa-30910	23	15	sme	sme	ADJ
cjfa-30910	23	16	friendly	friendly	ADJ
cjfa-30910	23	17	credit	credit	NOUN
cjfa-30910	23	18	administration	administration	NOUN
cjfa-30910	23	19	system	system	NOUN
cjfa-30910	23	20	for	for	ADP
cjfa-30910	23	21	smes	sme	NOUN
cjfa-30910	23	22	to	to	PART
cjfa-30910	23	23	enable	enable	VERB
cjfa-30910	23	24	them	they	PRON
cjfa-30910	23	25	access	access	NOUN
cjfa-30910	23	26	fund	fund	NOUN
cjfa-30910	23	27	easily	easily	ADV
cjfa-30910	23	28	and	and	CCONJ
cjfa-30910	23	29	affordably	affordably	ADV
cjfa-30910	23	30	.	.	PUNCT
cjfa-30910	23	31	 	 	SPACE
cjfa-30910	24	1	introduction	introduction	NOUN
cjfa-30910	24	2	the	the	DET
cjfa-30910	24	3	inaccessibility	inaccessibility	NOUN
cjfa-30910	24	4	of	of	ADP
cjfa-30910	24	5	credit	credit	NOUN
cjfa-30910	24	6	by	by	ADP
cjfa-30910	24	7	smes	sme	NOUN
cjfa-30910	24	8	has	have	AUX
cjfa-30910	24	9	been	be	AUX
cjfa-30910	24	10	a	a	DET
cjfa-30910	24	11	major	major	ADJ
cjfa-30910	24	12	hindrance	hindrance	NOUN
cjfa-30910	24	13	to	to	ADP
cjfa-30910	24	14	the	the	DET
cjfa-30910	24	15	sector	sector	NOUN
cjfa-30910	24	16	in	in	ADP
cjfa-30910	24	17	contributing	contribute	VERB
cjfa-30910	24	18	meaningfully	meaningfully	ADV
cjfa-30910	24	19	to	to	ADP
cjfa-30910	24	20	the	the	DET
cjfa-30910	24	21	growth	growth	NOUN
cjfa-30910	24	22	of	of	ADP
cjfa-30910	24	23	the	the	DET
cjfa-30910	24	24	nigerian	nigerian	ADJ
cjfa-30910	24	25	economy	economy	NOUN
cjfa-30910	24	26	.	.	PUNCT
cjfa-30910	25	1	unwillingness	unwillingness	NOUN
cjfa-30910	25	2	of	of	ADP
cjfa-30910	25	3	the	the	DET
cjfa-30910	25	4	deposit	deposit	NOUN
cjfa-30910	25	5	money	money	NOUN
cjfa-30910	25	6	banks	bank	NOUN
cjfa-30910	25	7	(	(	PUNCT
cjfa-30910	25	8	dmbs	dmb	NOUN
cjfa-30910	25	9	)	)	PUNCT
cjfa-30910	25	10	to	to	PART
cjfa-30910	25	11	grant	grant	VERB
cjfa-30910	25	12	the	the	DET
cjfa-30910	25	13	much	much	ADV
cjfa-30910	25	14	needed	need	VERB
cjfa-30910	25	15	credit	credit	NOUN
cjfa-30910	25	16	to	to	ADP
cjfa-30910	25	17	the	the	DET
cjfa-30910	25	18	sector	sector	NOUN
cjfa-30910	25	19	,	,	PUNCT
cjfa-30910	25	20	likewise	likewise	ADV
cjfa-30910	25	21	the	the	DET
cjfa-30910	25	22	attitude	attitude	NOUN
cjfa-30910	25	23	or	or	CCONJ
cjfa-30910	25	24	the	the	DET
cjfa-30910	25	25	perception	perception	NOUN
cjfa-30910	25	26	of	of	ADP
cjfa-30910	25	27	the	the	DET
cjfa-30910	25	28	sme	sme	NOUN
cjfa-30910	25	29	owners	owner	NOUN
cjfa-30910	25	30	/	/	SYM
cjfa-30910	25	31	managers	manager	NOUN
cjfa-30910	25	32	about	about	ADP
cjfa-30910	25	33	the	the	DET
cjfa-30910	25	34	banks	bank	NOUN
cjfa-30910	25	35	’	’	PART
cjfa-30910	25	36	credit	credit	NOUN
cjfa-30910	25	37	facility	facility	NOUN
cjfa-30910	25	38	has	have	AUX
cjfa-30910	25	39	partly	partly	ADV
cjfa-30910	25	40	been	be	AUX
cjfa-30910	25	41	responsible	responsible	ADJ
cjfa-30910	25	42	for	for	ADP
cjfa-30910	25	43	this	this	PRON
cjfa-30910	25	44	.	.	PUNCT
cjfa-30910	26	1	globally	globally	ADV
cjfa-30910	26	2	,	,	PUNCT
cjfa-30910	26	3	a	a	DET
cjfa-30910	26	4	lot	lot	NOUN
cjfa-30910	26	5	has	have	AUX
cjfa-30910	26	6	been	be	AUX
cjfa-30910	26	7	said	say	VERB
cjfa-30910	26	8	and	and	CCONJ
cjfa-30910	26	9	written	write	VERB
cjfa-30910	26	10	on	on	ADP
cjfa-30910	26	11	the	the	DET
cjfa-30910	26	12	role	role	NOUN
cjfa-30910	26	13	of	of	ADP
cjfa-30910	26	14	smes	sme	NOUN
cjfa-30910	26	15	in	in	ADP
cjfa-30910	26	16	the	the	DET
cjfa-30910	26	17	advancement	advancement	NOUN
cjfa-30910	26	18	of	of	ADP
cjfa-30910	26	19	any	any	DET
cjfa-30910	26	20	economy	economy	NOUN
cjfa-30910	26	21	.	.	PUNCT
cjfa-30910	27	1	in	in	ADP
cjfa-30910	27	2	the	the	DET
cjfa-30910	27	3	same	same	ADJ
cjfa-30910	27	4	token	token	NOUN
cjfa-30910	27	5	,	,	PUNCT
cjfa-30910	27	6	government	government	NOUN
cjfa-30910	27	7	in	in	ADP
cjfa-30910	27	8	nigeria	nigeria	PROPN
cjfa-30910	27	9	has	have	AUX
cjfa-30910	27	10	focused	focus	VERB
cjfa-30910	27	11	on	on	ADP
cjfa-30910	27	12	smes	sme	NOUN
cjfa-30910	27	13	by	by	ADP
cjfa-30910	27	14	formulating	formulate	VERB
cjfa-30910	27	15	policies	policy	NOUN
cjfa-30910	27	16	aimed	aim	VERB
cjfa-30910	27	17	at	at	ADP
cjfa-30910	27	18	enhancing	enhance	VERB
cjfa-30910	27	19	the	the	DET
cjfa-30910	27	20	performance	performance	NOUN
cjfa-30910	27	21	and	and	CCONJ
cjfa-30910	27	22	growth	growth	NOUN
cjfa-30910	27	23	of	of	ADP
cjfa-30910	27	24	the	the	DET
cjfa-30910	27	25	sector	sector	NOUN
cjfa-30910	27	26	(	(	PUNCT
cjfa-30910	27	27	eniola	eniola	PROPN
cjfa-30910	27	28	&	&	CCONJ
cjfa-30910	27	29	entebang	entebang	PROPN
cjfa-30910	27	30	,	,	PUNCT
cjfa-30910	27	31	2015	2015	NUM
cjfa-30910	27	32	;	;	PUNCT
cjfa-30910	27	33	ibrahim	ibrahim	PROPN
cjfa-30910	27	34	,	,	PUNCT
cjfa-30910	27	35	2017	2017	NUM
cjfa-30910	27	36	)	)	PUNCT
cjfa-30910	27	37	.	.	PUNCT
cjfa-30910	28	1	several	several	ADJ
cjfa-30910	28	2	studies	study	NOUN
cjfa-30910	28	3	have	have	AUX
cjfa-30910	28	4	acknowledged	acknowledge	VERB
cjfa-30910	28	5	smes	sme	NOUN
cjfa-30910	28	6	to	to	PART
cjfa-30910	28	7	have	have	VERB
cjfa-30910	28	8	immense	immense	ADJ
cjfa-30910	28	9	potentials	potential	NOUN
cjfa-30910	28	10	for	for	ADP
cjfa-30910	28	11	job	job	NOUN
cjfa-30910	28	12	and	and	CCONJ
cjfa-30910	28	13	wealth	wealth	NOUN
cjfa-30910	28	14	creation	creation	NOUN
cjfa-30910	28	15	and	and	CCONJ
cjfa-30910	28	16	poverty	poverty	NOUN
cjfa-30910	28	17	alleviation	alleviation	NOUN
cjfa-30910	28	18	in	in	ADP
cjfa-30910	28	19	the	the	DET
cjfa-30910	28	20	less	less	ADV
cjfa-30910	28	21	developed	develop	VERB
cjfa-30910	28	22	economies	economy	NOUN
cjfa-30910	28	23	(	(	PUNCT
cjfa-30910	28	24	imafidon	imafidon	PROPN
cjfa-30910	28	25	&	&	CCONJ
cjfa-30910	28	26	itoya	itoya	PROPN
cjfa-30910	28	27	,	,	PUNCT
cjfa-30910	28	28	2014	2014	NUM
cjfa-30910	28	29	;	;	PUNCT
cjfa-30910	28	30	owolabi	owolabi	NOUN
cjfa-30910	28	31	&	&	CCONJ
cjfa-30910	28	32	nasiru	nasiru	PROPN
cjfa-30910	28	33	,	,	PUNCT
cjfa-30910	28	34	2017	2017	NUM
cjfa-30910	28	35	;	;	PUNCT
cjfa-30910	28	36	bashir	bashir	PROPN
cjfa-30910	28	37	&	&	CCONJ
cjfa-30910	28	38	ondigo	ondigo	PROPN
cjfa-30910	28	39	,	,	PUNCT
cjfa-30910	28	40	2018	2018	NUM
cjfa-30910	28	41	;	;	PUNCT
cjfa-30910	28	42	erdogan	erdogan	VERB
cjfa-30910	28	43	,	,	PUNCT
cjfa-30910	28	44	2019	2019	NUM
cjfa-30910	28	45	)	)	PUNCT
cjfa-30910	28	46	.	.	PUNCT
cjfa-30910	29	1	however	however	ADV
cjfa-30910	29	2	,	,	PUNCT
cjfa-30910	29	3	this	this	DET
cjfa-30910	29	4	goal	goal	NOUN
cjfa-30910	29	5	has	have	AUX
cjfa-30910	29	6	not	not	PART
cjfa-30910	29	7	been	be	AUX
cjfa-30910	29	8	achieved	achieve	VERB
cjfa-30910	29	9	in	in	ADP
cjfa-30910	29	10	nigeria	nigeria	PROPN
cjfa-30910	29	11	.	.	PUNCT
cjfa-30910	30	1	according	accord	VERB
cjfa-30910	30	2	to	to	ADP
cjfa-30910	30	3	the	the	DET
cjfa-30910	30	4	united	united	PROPN
cjfa-30910	30	5	nations	nations	PROPN
cjfa-30910	30	6	industrial	industrial	PROPN
cjfa-30910	30	7	development	development	PROPN
cjfa-30910	30	8	organization	organization	NOUN
cjfa-30910	30	9	(	(	PUNCT
cjfa-30910	30	10	unido	unido	ADJ
cjfa-30910	30	11	,	,	PUNCT
cjfa-30910	30	12	2012	2012	NUM
cjfa-30910	30	13	)	)	PUNCT
cjfa-30910	30	14	smes	sme	NOUN
cjfa-30910	30	15	have	have	VERB
cjfa-30910	30	16	significant	significant	ADJ
cjfa-30910	30	17	roles	role	NOUN
cjfa-30910	30	18	to	to	PART
cjfa-30910	30	19	play	play	VERB
cjfa-30910	30	20	in	in	ADP
cjfa-30910	30	21	economic	economic	ADJ
cjfa-30910	30	22	development	development	NOUN
cjfa-30910	30	23	of	of	ADP
cjfa-30910	30	24	any	any	DET
cjfa-30910	30	25	nation	nation	NOUN
cjfa-30910	30	26	as	as	SCONJ
cjfa-30910	30	27	they	they	PRON
cjfa-30910	30	28	form	form	VERB
cjfa-30910	30	29	the	the	DET
cjfa-30910	30	30	backbone	backbone	NOUN
cjfa-30910	30	31	of	of	ADP
cjfa-30910	30	32	the	the	DET
cjfa-30910	30	33	private	private	ADJ
cjfa-30910	30	34	sector	sector	NOUN
cjfa-30910	30	35	.	.	PUNCT
cjfa-30910	31	1	smes	sme	NOUN
cjfa-30910	31	2	constitute	constitute	VERB
cjfa-30910	31	3	over	over	ADP
cjfa-30910	31	4	ninety	ninety	NUM
cjfa-30910	31	5	percent	percent	NOUN
cjfa-30910	31	6	(	(	PUNCT
cjfa-30910	31	7	90	90	NUM
cjfa-30910	31	8	%	%	NOUN
cjfa-30910	31	9	)	)	PUNCT
cjfa-30910	31	10	of	of	ADP
cjfa-30910	31	11	entrepreneurs	entrepreneur	NOUN
cjfa-30910	31	12	of	of	ADP
cjfa-30910	31	13	the	the	DET
cjfa-30910	31	14	world	world	NOUN
cjfa-30910	31	15	and	and	CCONJ
cjfa-30910	31	16	account	account	VERB
cjfa-30910	31	17	for	for	ADP
cjfa-30910	31	18	between	between	ADP
cjfa-30910	31	19	fifty	fifty	NUM
cjfa-30910	31	20	to	to	PART
cjfa-30910	31	21	sixty	sixty	NUM
cjfa-30910	31	22	percent	percent	NOUN
cjfa-30910	31	23	(	(	PUNCT
cjfa-30910	31	24	50	50	NUM
cjfa-30910	31	25	-	-	SYM
cjfa-30910	31	26	60	60	NUM
cjfa-30910	31	27	%	%	NOUN
cjfa-30910	31	28	)	)	PUNCT
cjfa-30910	31	29	of	of	ADP
cjfa-30910	31	30	employment	employment	NOUN
cjfa-30910	31	31	generation	generation	NOUN
cjfa-30910	31	32	and	and	CCONJ
cjfa-30910	31	33	poverty	poverty	NOUN
cjfa-30910	31	34	alleviation	alleviation	NOUN
cjfa-30910	31	35	(	(	PUNCT
cjfa-30910	31	36	ayuba	ayuba	PROPN
cjfa-30910	31	37	&	&	CCONJ
cjfa-30910	31	38	zubair	zubair	PROPN
cjfa-30910	31	39	,	,	PUNCT
cjfa-30910	31	40	2015	2015	NUM
cjfa-30910	31	41	)	)	PUNCT
cjfa-30910	31	42	.	.	PUNCT
cjfa-30910	32	1	deposit	deposit	NOUN
cjfa-30910	32	2	money	money	NOUN
cjfa-30910	32	3	banks	bank	NOUN
cjfa-30910	32	4	are	be	AUX
cjfa-30910	32	5	known	know	VERB
cjfa-30910	32	6	to	to	PART
cjfa-30910	32	7	provide	provide	VERB
cjfa-30910	32	8	channels	channel	NOUN
cjfa-30910	32	9	for	for	ADP
cjfa-30910	32	10	credit	credit	NOUN
cjfa-30910	32	11	delivery	delivery	NOUN
cjfa-30910	32	12	through	through	ADP
cjfa-30910	32	13	their	their	PRON
cjfa-30910	32	14	various	various	ADJ
cjfa-30910	32	15	financial	financial	ADJ
cjfa-30910	32	16	avenues	avenue	NOUN
cjfa-30910	32	17	.	.	PUNCT
cjfa-30910	33	1	however	however	ADV
cjfa-30910	33	2	,	,	PUNCT
cjfa-30910	33	3	most	most	ADJ
cjfa-30910	33	4	of	of	ADP
cjfa-30910	33	5	these	these	DET
cjfa-30910	33	6	services	service	NOUN
cjfa-30910	33	7	have	have	AUX
cjfa-30910	33	8	not	not	PART
cjfa-30910	33	9	been	be	AUX
cjfa-30910	33	10	performed	perform	VERB
cjfa-30910	33	11	to	to	ADP
cjfa-30910	33	12	expectation	expectation	NOUN
cjfa-30910	33	13	due	due	ADP
cjfa-30910	33	14	to	to	ADP
cjfa-30910	33	15	the	the	DET
cjfa-30910	33	16	fact	fact	NOUN
cjfa-30910	33	17	that	that	SCONJ
cjfa-30910	33	18	they	they	PRON
cjfa-30910	33	19	are	be	AUX
cjfa-30910	33	20	characterized	characterize	VERB
cjfa-30910	33	21	by	by	ADP
cjfa-30910	33	22	cumbersome	cumbersome	ADJ
cjfa-30910	33	23	processes	process	NOUN
cjfa-30910	33	24	/	/	SYM
cjfa-30910	33	25	stringent	stringent	ADJ
cjfa-30910	33	26	conditions	condition	NOUN
cjfa-30910	33	27	that	that	PRON
cjfa-30910	33	28	rarely	rarely	ADV
cjfa-30910	33	29	favour	favour	VERB
cjfa-30910	33	30	the	the	DET
cjfa-30910	33	31	smes	sme	NOUN
cjfa-30910	33	32	,	,	PUNCT
cjfa-30910	33	33	which	which	PRON
cjfa-30910	33	34	have	have	AUX
cjfa-30910	33	35	contributed	contribute	VERB
cjfa-30910	33	36	to	to	ADP
cjfa-30910	33	37	the	the	DET
cjfa-30910	33	38	poor	poor	ADJ
cjfa-30910	33	39	performance	performance	NOUN
cjfa-30910	33	40	of	of	ADP
cjfa-30910	33	41	the	the	DET
cjfa-30910	33	42	sector	sector	NOUN
cjfa-30910	33	43	.	.	PUNCT
cjfa-30910	34	1	the	the	DET
cjfa-30910	34	2	importance	importance	NOUN
cjfa-30910	34	3	of	of	ADP
cjfa-30910	34	4	fund	fund	NOUN
cjfa-30910	34	5	/	/	SYM
cjfa-30910	34	6	credit	credit	NOUN
cjfa-30910	34	7	to	to	ADP
cjfa-30910	34	8	a	a	DET
cjfa-30910	34	9	firm	firm	NOUN
cjfa-30910	34	10	or	or	CCONJ
cjfa-30910	34	11	business	business	NOUN
cjfa-30910	34	12	(	(	PUNCT
cjfa-30910	34	13	smes	sme	NOUN
cjfa-30910	34	14	inclusive	inclusive	NOUN
cjfa-30910	34	15	)	)	PUNCT
cjfa-30910	34	16	can	can	AUX
cjfa-30910	34	17	not	not	PART
cjfa-30910	34	18	be	be	AUX
cjfa-30910	34	19	over	over	ADP
cjfa-30910	34	20	bank	bank	NOUN
cjfa-30910	34	21	credit	credit	NOUN
cjfa-30910	34	22	accessibility	accessibility	NOUN
cjfa-30910	34	23	and	and	CCONJ
cjfa-30910	34	24	performance	performance	NOUN
cjfa-30910	34	25	…	…	PUNCT
cjfa-30910	34	26	47	47	NUM
cjfa-30910	34	27	emphasized	emphasize	VERB
cjfa-30910	34	28	.	.	PUNCT
cjfa-30910	35	1	the	the	DET
cjfa-30910	35	2	provision	provision	NOUN
cjfa-30910	35	3	of	of	ADP
cjfa-30910	35	4	funds	fund	NOUN
cjfa-30910	35	5	to	to	ADP
cjfa-30910	35	6	the	the	DET
cjfa-30910	35	7	smes	sme	NOUN
cjfa-30910	35	8	and	and	CCONJ
cjfa-30910	35	9	the	the	DET
cjfa-30910	35	10	industrial	industrial	ADJ
cjfa-30910	35	11	sector	sector	NOUN
cjfa-30910	35	12	as	as	ADP
cjfa-30910	35	13	a	a	DET
cjfa-30910	35	14	whole	whole	NOUN
cjfa-30910	35	15	has	have	AUX
cjfa-30910	35	16	been	be	AUX
cjfa-30910	35	17	of	of	ADP
cjfa-30910	35	18	great	great	ADJ
cjfa-30910	35	19	concern	concern	NOUN
cjfa-30910	35	20	to	to	ADP
cjfa-30910	35	21	policy	policy	NOUN
cjfa-30910	35	22	makers	maker	NOUN
cjfa-30910	35	23	in	in	ADP
cjfa-30910	35	24	both	both	CCONJ
cjfa-30910	35	25	the	the	DET
cjfa-30910	35	26	private	private	ADJ
cjfa-30910	35	27	and	and	CCONJ
cjfa-30910	35	28	the	the	DET
cjfa-30910	35	29	public	public	ADJ
cjfa-30910	35	30	sectors	sector	NOUN
cjfa-30910	35	31	(	(	PUNCT
cjfa-30910	35	32	alese	alese	PROPN
cjfa-30910	35	33	&	&	CCONJ
cjfa-30910	35	34	alimi	alimi	PROPN
cjfa-30910	35	35	,	,	PUNCT
cjfa-30910	35	36	2014	2014	NUM
cjfa-30910	35	37	;	;	PUNCT
cjfa-30910	35	38	ayuba	ayuba	PROPN
cjfa-30910	35	39	&	&	CCONJ
cjfa-30910	35	40	zubair	zubair	PROPN
cjfa-30910	35	41	,	,	PUNCT
cjfa-30910	35	42	2015	2015	NUM
cjfa-30910	35	43	;	;	PUNCT
cjfa-30910	35	44	ubesie	ubesie	NOUN
cjfa-30910	35	45	,	,	PUNCT
cjfa-30910	35	46	onuaguluchi	onuaguluchi	PROPN
cjfa-30910	35	47	&	&	CCONJ
cjfa-30910	35	48	mbah	mbah	PROPN
cjfa-30910	35	49	2017	2017	NUM
cjfa-30910	35	50	)	)	PUNCT
cjfa-30910	35	51	.	.	PUNCT
cjfa-30910	36	1	extant	extant	ADJ
cjfa-30910	36	2	studies	study	NOUN
cjfa-30910	36	3	including	include	VERB
cjfa-30910	36	4	firm	firm	ADJ
cjfa-30910	36	5	–	–	PUNCT
cjfa-30910	36	6	level	level	NOUN
cjfa-30910	36	7	data	datum	NOUN
cjfa-30910	36	8	from	from	ADP
cjfa-30910	36	9	the	the	DET
cjfa-30910	36	10	world	world	NOUN
cjfa-30910	36	11	bank	bank	NOUN
cjfa-30910	36	12	enterprise	enterprise	NOUN
cjfa-30910	36	13	survey	survey	NOUN
cjfa-30910	36	14	over	over	ADP
cjfa-30910	36	15	the	the	DET
cjfa-30910	36	16	years	year	NOUN
cjfa-30910	36	17	,	,	PUNCT
cjfa-30910	36	18	reveal	reveal	VERB
cjfa-30910	36	19	that	that	SCONJ
cjfa-30910	36	20	financing	financing	NOUN
cjfa-30910	36	21	inadequacy	inadequacy	NOUN
cjfa-30910	36	22	is	be	AUX
cjfa-30910	36	23	a	a	DET
cjfa-30910	36	24	greater	great	ADJ
cjfa-30910	36	25	obstacle	obstacle	NOUN
cjfa-30910	36	26	for	for	ADP
cjfa-30910	36	27	smes	sme	NOUN
cjfa-30910	36	28	than	than	SCONJ
cjfa-30910	36	29	it	it	PRON
cjfa-30910	36	30	is	be	AUX
cjfa-30910	36	31	for	for	ADP
cjfa-30910	36	32	large	large	ADJ
cjfa-30910	36	33	firms	firm	NOUN
cjfa-30910	36	34	,	,	PUNCT
cjfa-30910	36	35	particularly	particularly	ADV
cjfa-30910	36	36	in	in	ADP
cjfa-30910	36	37	the	the	DET
cjfa-30910	36	38	developing	develop	VERB
cjfa-30910	36	39	world	world	NOUN
cjfa-30910	36	40	,	,	PUNCT
cjfa-30910	36	41	and	and	CCONJ
cjfa-30910	36	42	that	that	SCONJ
cjfa-30910	36	43	inaccessibility	inaccessibility	NOUN
cjfa-30910	36	44	to	to	PART
cjfa-30910	36	45	finance	finance	VERB
cjfa-30910	36	46	constrains	constrain	VERB
cjfa-30910	36	47	the	the	DET
cjfa-30910	36	48	growth	growth	NOUN
cjfa-30910	36	49	of	of	ADP
cjfa-30910	36	50	the	the	DET
cjfa-30910	36	51	smes	sme	NOUN
cjfa-30910	36	52	sector	sector	NOUN
cjfa-30910	36	53	more	more	ADJ
cjfa-30910	36	54	than	than	ADP
cjfa-30910	36	55	that	that	PRON
cjfa-30910	36	56	of	of	ADP
cjfa-30910	36	57	large	large	ADJ
cjfa-30910	36	58	companies	company	NOUN
cjfa-30910	36	59	(	(	PUNCT
cjfa-30910	36	60	schiffer	schiffer	PROPN
cjfa-30910	36	61	&	&	CCONJ
cjfa-30910	36	62	weder	weder	PROPN
cjfa-30910	36	63	,	,	PUNCT
cjfa-30910	36	64	2001	2001	NUM
cjfa-30910	36	65	;	;	PUNCT
cjfa-30910	36	66	beck	beck	PROPN
cjfa-30910	36	67	,	,	PUNCT
cjfa-30910	36	68	demirguc	demirguc	PROPN
cjfa-30910	36	69	-	-	PUNCT
cjfa-30910	36	70	kunt	kunt	PROPN
cjfa-30910	36	71	&	&	CCONJ
cjfa-30910	36	72	martinez	martinez	PROPN
cjfa-30910	36	73	peria	peria	PROPN
cjfa-30910	36	74	,	,	PUNCT
cjfa-30910	36	75	2008	2008	NUM
cjfa-30910	36	76	)	)	PUNCT
cjfa-30910	36	77	.	.	PUNCT
cjfa-30910	37	1	consequently	consequently	ADV
cjfa-30910	37	2	,	,	PUNCT
cjfa-30910	37	3	inability	inability	NOUN
cjfa-30910	37	4	of	of	ADP
cjfa-30910	37	5	the	the	DET
cjfa-30910	37	6	smes	sme	NOUN
cjfa-30910	37	7	to	to	PART
cjfa-30910	37	8	obtain	obtain	VERB
cjfa-30910	37	9	the	the	DET
cjfa-30910	37	10	needed	need	VERB
cjfa-30910	37	11	funds	fund	NOUN
cjfa-30910	37	12	to	to	PART
cjfa-30910	37	13	pursue	pursue	VERB
cjfa-30910	37	14	new	new	ADJ
cjfa-30910	37	15	businesses	business	NOUN
cjfa-30910	37	16	and	and	CCONJ
cjfa-30910	37	17	finance	finance	NOUN
cjfa-30910	37	18	expansion	expansion	NOUN
cjfa-30910	37	19	hampers	hamper	VERB
cjfa-30910	37	20	their	their	PRON
cjfa-30910	37	21	competitiveness	competitiveness	NOUN
cjfa-30910	37	22	thereby	thereby	ADV
cjfa-30910	37	23	leading	lead	VERB
cjfa-30910	37	24	to	to	ADP
cjfa-30910	37	25	their	their	PRON
cjfa-30910	37	26	collapses	collapse	NOUN
cjfa-30910	37	27	in	in	ADP
cjfa-30910	37	28	the	the	DET
cjfa-30910	37	29	countries	country	NOUN
cjfa-30910	37	30	world	world	NOUN
cjfa-30910	37	31	over	over	ADP
cjfa-30910	37	32	(	(	PUNCT
cjfa-30910	37	33	kauffmann	kauffmann	PROPN
cjfa-30910	37	34	,	,	PUNCT
cjfa-30910	37	35	2006	2006	NUM
cjfa-30910	37	36	;	;	PUNCT
cjfa-30910	37	37	atieno	atieno	NOUN
cjfa-30910	37	38	,	,	PUNCT
cjfa-30910	37	39	2009	2009	NUM
cjfa-30910	37	40	)	)	PUNCT
cjfa-30910	37	41	.	.	PUNCT
cjfa-30910	38	1	the	the	DET
cjfa-30910	38	2	problem	problem	NOUN
cjfa-30910	38	3	of	of	ADP
cjfa-30910	38	4	access	access	NOUN
cjfa-30910	38	5	to	to	ADP
cjfa-30910	38	6	credit	credit	NOUN
cjfa-30910	38	7	by	by	ADP
cjfa-30910	38	8	smes	sme	NOUN
cjfa-30910	38	9	is	be	AUX
cjfa-30910	38	10	a	a	DET
cjfa-30910	38	11	major	major	ADJ
cjfa-30910	38	12	issue	issue	NOUN
cjfa-30910	38	13	that	that	PRON
cjfa-30910	38	14	should	should	AUX
cjfa-30910	38	15	be	be	AUX
cjfa-30910	38	16	resolved	resolve	VERB
cjfa-30910	38	17	considering	consider	VERB
cjfa-30910	38	18	the	the	DET
cjfa-30910	38	19	role	role	NOUN
cjfa-30910	38	20	of	of	ADP
cjfa-30910	38	21	smes	sme	NOUN
cjfa-30910	38	22	in	in	ADP
cjfa-30910	38	23	the	the	DET
cjfa-30910	38	24	development	development	NOUN
cjfa-30910	38	25	of	of	ADP
cjfa-30910	38	26	any	any	DET
cjfa-30910	38	27	economy	economy	NOUN
cjfa-30910	38	28	.	.	PUNCT
cjfa-30910	39	1	previous	previous	ADJ
cjfa-30910	39	2	studies	study	NOUN
cjfa-30910	39	3	have	have	AUX
cjfa-30910	39	4	shown	show	VERB
cjfa-30910	39	5	that	that	SCONJ
cjfa-30910	39	6	nigerian	nigerian	ADJ
cjfa-30910	39	7	government	government	NOUN
cjfa-30910	39	8	have	have	AUX
cjfa-30910	39	9	intervened	intervene	VERB
cjfa-30910	39	10	in	in	ADP
cjfa-30910	39	11	the	the	DET
cjfa-30910	39	12	provision	provision	NOUN
cjfa-30910	39	13	and	and	CCONJ
cjfa-30910	39	14	accessibility	accessibility	NOUN
cjfa-30910	39	15	of	of	ADP
cjfa-30910	39	16	credit	credit	NOUN
cjfa-30910	39	17	to	to	ADP
cjfa-30910	39	18	the	the	DET
cjfa-30910	39	19	sector	sector	NOUN
cjfa-30910	39	20	by	by	ADP
cjfa-30910	39	21	putting	put	VERB
cjfa-30910	39	22	in	in	ADP
cjfa-30910	39	23	place	place	NOUN
cjfa-30910	39	24	policies	policy	NOUN
cjfa-30910	39	25	towards	towards	ADP
cjfa-30910	39	26	the	the	DET
cjfa-30910	39	27	establishment	establishment	NOUN
cjfa-30910	39	28	of	of	ADP
cjfa-30910	39	29	several	several	ADJ
cjfa-30910	39	30	financial	financial	ADJ
cjfa-30910	39	31	institutions	institution	NOUN
cjfa-30910	39	32	and	and	CCONJ
cjfa-30910	39	33	credit	credit	NOUN
cjfa-30910	39	34	schemes/	schemes/	NOUN
cjfa-30910	39	35	 	 	SPACE
cjfa-30910	39	36	programmes	programme	NOUN
cjfa-30910	39	37	aimed	aim	VERB
cjfa-30910	39	38	at	at	ADP
cjfa-30910	39	39	enhancing	enhance	VERB
cjfa-30910	39	40	their	their	PRON
cjfa-30910	39	41	performance	performance	NOUN
cjfa-30910	39	42	.	.	PUNCT
cjfa-30910	40	1	despite	despite	SCONJ
cjfa-30910	40	2	all	all	DET
cjfa-30910	40	3	these	these	PRON
cjfa-30910	40	4	,	,	PUNCT
cjfa-30910	40	5	smes	sme	NOUN
cjfa-30910	40	6	are	be	AUX
cjfa-30910	40	7	still	still	ADV
cjfa-30910	40	8	faced	face	VERB
cjfa-30910	40	9	with	with	ADP
cjfa-30910	40	10	numerous	numerous	ADJ
cjfa-30910	40	11	challenges	challenge	NOUN
cjfa-30910	40	12	of	of	ADP
cjfa-30910	40	13	which	which	DET
cjfa-30910	40	14	access	access	NOUN
cjfa-30910	40	15	to	to	ADP
cjfa-30910	40	16	credit	credit	NOUN
cjfa-30910	40	17	constitute	constitute	VERB
cjfa-30910	40	18	a	a	DET
cjfa-30910	40	19	major	major	ADJ
cjfa-30910	40	20	constrain	constrain	NOUN
cjfa-30910	40	21	.	.	PUNCT
cjfa-30910	41	1	credit	credit	NOUN
cjfa-30910	41	2	when	when	SCONJ
cjfa-30910	41	3	granted	grant	VERB
cjfa-30910	41	4	are	be	AUX
cjfa-30910	41	5	mostly	mostly	ADV
cjfa-30910	41	6	on	on	ADP
cjfa-30910	41	7	short	short	ADJ
cjfa-30910	41	8	term	term	NOUN
cjfa-30910	41	9	bases	basis	NOUN
cjfa-30910	41	10	and	and	CCONJ
cjfa-30910	41	11	usually	usually	ADV
cjfa-30910	41	12	too	too	ADV
cjfa-30910	41	13	small	small	ADJ
cjfa-30910	41	14	(	(	PUNCT
cjfa-30910	41	15	insufficient	insufficient	NOUN
cjfa-30910	41	16	)	)	PUNCT
cjfa-30910	41	17	to	to	PART
cjfa-30910	41	18	cover	cover	VERB
cjfa-30910	41	19	their	their	PRON
cjfa-30910	41	20	working	work	VERB
cjfa-30910	41	21	capital	capital	NOUN
cjfa-30910	41	22	requirements	requirement	NOUN
cjfa-30910	41	23	talk	talk	VERB
cjfa-30910	41	24	more	more	ADJ
cjfa-30910	41	25	of	of	ADP
cjfa-30910	41	26	expansion	expansion	NOUN
cjfa-30910	41	27	or	or	CCONJ
cjfa-30910	41	28	diversification	diversification	NOUN
cjfa-30910	41	29	into	into	ADP
cjfa-30910	41	30	new	new	ADJ
cjfa-30910	41	31	innovative	innovative	ADJ
cjfa-30910	41	32	areas	area	NOUN
cjfa-30910	41	33	.	.	PUNCT
cjfa-30910	42	1	in	in	ADP
cjfa-30910	42	2	addition	addition	NOUN
cjfa-30910	42	3	,	,	PUNCT
cjfa-30910	42	4	the	the	DET
cjfa-30910	42	5	cost	cost	NOUN
cjfa-30910	42	6	incurred	incur	VERB
cjfa-30910	42	7	on	on	ADP
cjfa-30910	42	8	bank	bank	NOUN
cjfa-30910	42	9	credit	credit	NOUN
cjfa-30910	42	10	poses	pose	VERB
cjfa-30910	42	11	an	an	DET
cjfa-30910	42	12	insurmountable	insurmountable	ADJ
cjfa-30910	42	13	barrier	barrier	NOUN
cjfa-30910	42	14	to	to	ADP
cjfa-30910	42	15	smes	sme	NOUN
cjfa-30910	42	16	to	to	PART
cjfa-30910	42	17	acquire	acquire	VERB
cjfa-30910	42	18	credit	credit	NOUN
cjfa-30910	42	19	from	from	ADP
cjfa-30910	42	20	dmbs	dmb	NOUN
cjfa-30910	42	21	in	in	ADP
cjfa-30910	42	22	terms	term	NOUN
cjfa-30910	42	23	of	of	ADP
cjfa-30910	42	24	excessive	excessive	ADJ
cjfa-30910	42	25	interest	interest	NOUN
cjfa-30910	42	26	rate	rate	NOUN
cjfa-30910	42	27	and	and	CCONJ
cjfa-30910	42	28	other	other	ADJ
cjfa-30910	42	29	charges	charge	NOUN
cjfa-30910	42	30	attached	attach	VERB
cjfa-30910	42	31	to	to	ADP
cjfa-30910	42	32	these	these	DET
cjfa-30910	42	33	facilities	facility	NOUN
cjfa-30910	42	34	.	.	PUNCT
cjfa-30910	43	1	considering	consider	VERB
cjfa-30910	43	2	the	the	DET
cjfa-30910	43	3	important	important	ADJ
cjfa-30910	43	4	role	role	NOUN
cjfa-30910	43	5	played	play	VERB
cjfa-30910	43	6	by	by	ADP
cjfa-30910	43	7	smes	sme	NOUN
cjfa-30910	43	8	in	in	ADP
cjfa-30910	43	9	the	the	DET
cjfa-30910	43	10	advancement	advancement	NOUN
cjfa-30910	43	11	of	of	ADP
cjfa-30910	43	12	an	an	DET
cjfa-30910	43	13	economy	economy	NOUN
cjfa-30910	43	14	,	,	PUNCT
cjfa-30910	43	15	as	as	SCONJ
cjfa-30910	43	16	supported	support	VERB
cjfa-30910	43	17	by	by	ADP
cjfa-30910	43	18	previous	previous	ADJ
cjfa-30910	43	19	studies	study	NOUN
cjfa-30910	43	20	(	(	PUNCT
cjfa-30910	43	21	dalhat	dalhat	PROPN
cjfa-30910	43	22	&	&	CCONJ
cjfa-30910	43	23	hassan	hassan	PROPN
cjfa-30910	43	24	,	,	PUNCT
cjfa-30910	43	25	2016	2016	NUM
cjfa-30910	43	26	;	;	PUNCT
cjfa-30910	43	27	ubesie	ubesie	NOUN
cjfa-30910	43	28	et	et	PROPN
cjfa-30910	43	29	al	al	PROPN
cjfa-30910	43	30	.	.	PROPN
cjfa-30910	43	31	,	,	PUNCT
cjfa-30910	43	32	2017	2017	NUM
cjfa-30910	43	33	;	;	PUNCT
cjfa-30910	43	34	owolabi	owolabi	NOUN
cjfa-30910	43	35	&	&	CCONJ
cjfa-30910	43	36	nasiru	nasiru	PROPN
cjfa-30910	43	37	,	,	PUNCT
cjfa-30910	43	38	2017	2017	NUM
cjfa-30910	43	39	;	;	PUNCT
cjfa-30910	43	40	bashir	bashir	PROPN
cjfa-30910	43	41	&	&	CCONJ
cjfa-30910	43	42	ondigo	ondigo	PROPN
cjfa-30910	43	43	,	,	PUNCT
cjfa-30910	43	44	2018	2018	NUM
cjfa-30910	43	45	)	)	PUNCT
cjfa-30910	43	46	easy	easy	ADJ
cjfa-30910	43	47	access	access	NOUN
cjfa-30910	43	48	to	to	ADP
cjfa-30910	43	49	finance	finance	NOUN
cjfa-30910	43	50	by	by	ADP
cjfa-30910	43	51	smes	sme	NOUN
cjfa-30910	43	52	is	be	AUX
cjfa-30910	43	53	one	one	NUM
cjfa-30910	43	54	of	of	ADP
cjfa-30910	43	55	the	the	DET
cjfa-30910	43	56	strategies	strategy	NOUN
cjfa-30910	43	57	to	to	PART
cjfa-30910	43	58	be	be	AUX
cjfa-30910	43	59	used	use	VERB
cjfa-30910	43	60	in	in	ADP
cjfa-30910	43	61	order	order	NOUN
cjfa-30910	43	62	to	to	PART
cjfa-30910	43	63	achieve	achieve	VERB
cjfa-30910	43	64	the	the	DET
cjfa-30910	43	65	desired	desire	VERB
cjfa-30910	43	66	goals	goal	NOUN
cjfa-30910	43	67	of	of	ADP
cjfa-30910	43	68	job	job	NOUN
cjfa-30910	43	69	/	/	SYM
cjfa-30910	43	70	wealth	wealth	NOUN
cjfa-30910	43	71	creation	creation	NOUN
cjfa-30910	43	72	and	and	CCONJ
cjfa-30910	43	73	the	the	DET
cjfa-30910	43	74	alleviation	alleviation	NOUN
cjfa-30910	43	75	of	of	ADP
cjfa-30910	43	76	poverty	poverty	NOUN
cjfa-30910	43	77	in	in	ADP
cjfa-30910	43	78	an	an	DET
cjfa-30910	43	79	economy	economy	NOUN
cjfa-30910	43	80	,	,	PUNCT
cjfa-30910	43	81	a	a	DET
cjfa-30910	43	82	lasting	last	VERB
cjfa-30910	43	83	solution	solution	NOUN
cjfa-30910	43	84	need	need	AUX
cjfa-30910	43	85	be	be	AUX
cjfa-30910	43	86	provided	provide	VERB
cjfa-30910	43	87	to	to	PART
cjfa-30910	43	88	resolve	resolve	VERB
cjfa-30910	43	89	these	these	DET
cjfa-30910	43	90	issues	issue	NOUN
cjfa-30910	43	91	in	in	ADP
cjfa-30910	43	92	order	order	NOUN
cjfa-30910	43	93	to	to	PART
cjfa-30910	43	94	enhance	enhance	VERB
cjfa-30910	43	95	the	the	DET
cjfa-30910	43	96	performance	performance	NOUN
cjfa-30910	43	97	of	of	ADP
cjfa-30910	43	98	the	the	DET
cjfa-30910	43	99	sector	sector	NOUN
cjfa-30910	43	100	which	which	PRON
cjfa-30910	43	101	will	will	AUX
cjfa-30910	43	102	also	also	ADV
cjfa-30910	43	103	reflect	reflect	VERB
cjfa-30910	43	104	positively	positively	ADV
cjfa-30910	43	105	on	on	ADP
cjfa-30910	43	106	nigeria	nigeria	PROPN
cjfa-30910	43	107	economy	economy	NOUN
cjfa-30910	43	108	.	.	PUNCT
cjfa-30910	44	1	this	this	DET
cjfa-30910	44	2	study	study	NOUN
cjfa-30910	44	3	becomes	become	VERB
cjfa-30910	44	4	imperative	imperative	ADJ
cjfa-30910	44	5	because	because	SCONJ
cjfa-30910	44	6	banks	bank	NOUN
cjfa-30910	44	7	in	in	ADP
cjfa-30910	44	8	nigeria	nigeria	PROPN
cjfa-30910	44	9	need	need	VERB
cjfa-30910	44	10	to	to	PART
cjfa-30910	44	11	understand	understand	VERB
cjfa-30910	44	12	how	how	SCONJ
cjfa-30910	44	13	to	to	PART
cjfa-30910	44	14	impact	impact	VERB
cjfa-30910	44	15	on	on	ADP
cjfa-30910	44	16	smes	sme	NOUN
cjfa-30910	44	17	performance	performance	NOUN
cjfa-30910	44	18	through	through	ADP
cjfa-30910	44	19	credit	credit	NOUN
cjfa-30910	44	20	accessibility	accessibility	NOUN
cjfa-30910	44	21	.	.	PUNCT
cjfa-30910	45	1	hence	hence	ADV
cjfa-30910	45	2	,	,	PUNCT
cjfa-30910	45	3	this	this	DET
cjfa-30910	45	4	study	study	NOUN
cjfa-30910	45	5	is	be	AUX
cjfa-30910	45	6	undertaken	undertake	VERB
cjfa-30910	45	7	to	to	PART
cjfa-30910	45	8	examine	examine	VERB
cjfa-30910	45	9	the	the	DET
cjfa-30910	45	10	effect	effect	NOUN
cjfa-30910	45	11	of	of	ADP
cjfa-30910	45	12	dmbs	dmb	NOUN
cjfa-30910	45	13	credit	credit	NOUN
cjfa-30910	45	14	accessibility	accessibility	NOUN
cjfa-30910	45	15	and	and	CCONJ
cjfa-30910	45	16	credit	credit	NOUN
cjfa-30910	45	17	related	relate	VERB
cjfa-30910	45	18	charges	charge	NOUN
cjfa-30910	45	19	(	(	PUNCT
cjfa-30910	45	20	interest	interest	NOUN
cjfa-30910	45	21	)	)	PUNCT
cjfa-30910	45	22	on	on	ADP
cjfa-30910	45	23	smes	sme	NOUN
cjfa-30910	45	24	performance	performance	NOUN
cjfa-30910	45	25	in	in	ADP
cjfa-30910	45	26	kwara	kwara	PROPN
cjfa-30910	45	27	state	state	PROPN
cjfa-30910	45	28	,	,	PUNCT
cjfa-30910	45	29	nigeria	nigeria	PROPN
cjfa-30910	45	30	.	.	PUNCT
cjfa-30910	46	1	mubaraq	mubaraq	PROPN
cjfa-30910	46	2	sanni	sanni	PROPN
cjfa-30910	46	3	,	,	PUNCT
cjfa-30910	46	4	lukman	lukman	PROPN
cjfa-30910	46	5	adebayo	adebayo	PROPN
cjfa-30910	46	6	oke	oke	PROPN
cjfa-30910	46	7	,	,	PUNCT
cjfa-30910	46	8	idayat	idayat	PROPN
cjfa-30910	46	9	titilayo	titilayo	PROPN
cjfa-30910	46	10	alayande48	alayande48	NOUN
cjfa-30910	46	11	in	in	ADP
cjfa-30910	46	12	view	view	NOUN
cjfa-30910	46	13	of	of	ADP
cjfa-30910	46	14	the	the	DET
cjfa-30910	46	15	study	study	NOUN
cjfa-30910	46	16	objectives	objective	NOUN
cjfa-30910	46	17	,	,	PUNCT
cjfa-30910	46	18	the	the	DET
cjfa-30910	46	19	following	follow	VERB
cjfa-30910	46	20	hypotheses	hypothesis	NOUN
cjfa-30910	46	21	stated	state	VERB
cjfa-30910	46	22	in	in	ADP
cjfa-30910	46	23	null	null	ADJ
cjfa-30910	46	24	forms	form	NOUN
cjfa-30910	46	25	were	be	AUX
cjfa-30910	46	26	formulated	formulate	VERB
cjfa-30910	46	27	and	and	CCONJ
cjfa-30910	46	28	tested	test	VERB
cjfa-30910	46	29	empirically	empirically	ADV
cjfa-30910	46	30	in	in	ADP
cjfa-30910	46	31	the	the	DET
cjfa-30910	46	32	study	study	NOUN
cjfa-30910	46	33	.	.	PUNCT
cjfa-30910	47	1	ho1	ho1	NOUN
cjfa-30910	47	2	:	:	PUNCT
cjfa-30910	47	3	access	access	NOUN
cjfa-30910	47	4	to	to	ADP
cjfa-30910	47	5	dmbs	dmb	NOUN
cjfa-30910	47	6	credit	credit	NOUN
cjfa-30910	47	7	has	have	VERB
cjfa-30910	47	8	no	no	DET
cjfa-30910	47	9	significant	significant	ADJ
cjfa-30910	47	10	effect	effect	NOUN
cjfa-30910	47	11	on	on	ADP
cjfa-30910	47	12	smes	sme	NOUN
cjfa-30910	47	13	performance	performance	NOUN
cjfa-30910	47	14	in	in	ADP
cjfa-30910	47	15	kwara	kwara	PROPN
cjfa-30910	47	16	state	state	PROPN
cjfa-30910	47	17	.	.	PUNCT
cjfa-30910	48	1	ho2	ho2	PROPN
cjfa-30910	48	2	:	:	PUNCT
cjfa-30910	48	3	credit	credit	NOUN
cjfa-30910	48	4	related	relate	VERB
cjfa-30910	48	5	charges	charge	NOUN
cjfa-30910	48	6	of	of	ADP
cjfa-30910	48	7	dmbs	dmb	NOUN
cjfa-30910	48	8	have	have	VERB
cjfa-30910	48	9	no	no	DET
cjfa-30910	48	10	significant	significant	ADJ
cjfa-30910	48	11	effect	effect	NOUN
cjfa-30910	48	12	on	on	ADP
cjfa-30910	48	13	smes	sme	NOUN
cjfa-30910	48	14	performance	performance	NOUN
cjfa-30910	48	15	in	in	ADP
cjfa-30910	48	16	kwara	kwara	PROPN
cjfa-30910	48	17	state	state	PROPN
cjfa-30910	48	18	.	.	PUNCT
cjfa-30910	49	1	literature	literature	PROPN
cjfa-30910	49	2	review	review	NOUN
cjfa-30910	49	3	lending	lending	NOUN
cjfa-30910	49	4	is	be	AUX
cjfa-30910	49	5	one	one	NUM
cjfa-30910	49	6	of	of	ADP
cjfa-30910	49	7	the	the	DET
cjfa-30910	49	8	most	most	ADV
cjfa-30910	49	9	important	important	ADJ
cjfa-30910	49	10	functions	function	NOUN
cjfa-30910	49	11	undertaken	undertake	VERB
cjfa-30910	49	12	by	by	ADP
cjfa-30910	49	13	dmbs	dmb	NOUN
cjfa-30910	49	14	in	in	ADP
cjfa-30910	49	15	nigeria	nigeria	PROPN
cjfa-30910	49	16	.	.	PUNCT
cjfa-30910	50	1	banks	bank	NOUN
cjfa-30910	50	2	play	play	VERB
cjfa-30910	50	3	their	their	PRON
cjfa-30910	50	4	intermediation	intermediation	NOUN
cjfa-30910	50	5	role	role	NOUN
cjfa-30910	50	6	by	by	ADP
cjfa-30910	50	7	sourcing	source	VERB
cjfa-30910	50	8	funds	fund	NOUN
cjfa-30910	50	9	through	through	ADP
cjfa-30910	50	10	deposits	deposit	NOUN
cjfa-30910	50	11	from	from	ADP
cjfa-30910	50	12	their	their	PRON
cjfa-30910	50	13	numerous	numerous	ADJ
cjfa-30910	50	14	customers	customer	NOUN
cjfa-30910	50	15	and	and	CCONJ
cjfa-30910	50	16	such	such	ADJ
cjfa-30910	50	17	funds	fund	NOUN
cjfa-30910	50	18	are	be	AUX
cjfa-30910	50	19	given	give	VERB
cjfa-30910	50	20	out	out	ADP
cjfa-30910	50	21	as	as	ADP
cjfa-30910	50	22	loan	loan	NOUN
cjfa-30910	50	23	either	either	CCONJ
cjfa-30910	50	24	on	on	ADP
cjfa-30910	50	25	short	short	ADJ
cjfa-30910	50	26	,	,	PUNCT
cjfa-30910	50	27	medium	medium	ADJ
cjfa-30910	50	28	or	or	CCONJ
cjfa-30910	50	29	long	long	ADJ
cjfa-30910	50	30	term	term	NOUN
cjfa-30910	50	31	basis	basis	NOUN
cjfa-30910	50	32	to	to	ADP
cjfa-30910	50	33	government	government	NOUN
cjfa-30910	50	34	,	,	PUNCT
cjfa-30910	50	35	corporate	corporate	ADJ
cjfa-30910	50	36	bodies	body	NOUN
cjfa-30910	50	37	,	,	PUNCT
cjfa-30910	50	38	institutions	institution	NOUN
cjfa-30910	50	39	and	and	CCONJ
cjfa-30910	50	40	individuals	individual	NOUN
cjfa-30910	50	41	to	to	PART
cjfa-30910	50	42	enable	enable	VERB
cjfa-30910	50	43	them	they	PRON
cjfa-30910	50	44	embark	embark	VERB
cjfa-30910	50	45	on	on	ADP
cjfa-30910	50	46	viable	viable	ADJ
cjfa-30910	50	47	investment	investment	NOUN
cjfa-30910	50	48	ventures	venture	NOUN
cjfa-30910	50	49	.	.	PUNCT
cjfa-30910	51	1	based	base	VERB
cjfa-30910	51	2	on	on	ADP
cjfa-30910	51	3	the	the	DET
cjfa-30910	51	4	fact	fact	NOUN
cjfa-30910	51	5	that	that	SCONJ
cjfa-30910	51	6	their	their	PRON
cjfa-30910	51	7	operations/	operations/	NUM
cjfa-30910	51	8	business	business	NOUN
cjfa-30910	51	9	are	be	AUX
cjfa-30910	51	10	usually	usually	ADV
cjfa-30910	51	11	pivoted	pivot	VERB
cjfa-30910	51	12	around	around	ADP
cjfa-30910	51	13	the	the	DET
cjfa-30910	51	14	practice	practice	NOUN
cjfa-30910	51	15	of	of	ADP
cjfa-30910	51	16	lending	lend	VERB
cjfa-30910	51	17	hence	hence	ADV
cjfa-30910	51	18	the	the	DET
cjfa-30910	51	19	use	use	NOUN
cjfa-30910	51	20	of	of	ADP
cjfa-30910	51	21	expertise	expertise	NOUN
cjfa-30910	51	22	and	and	CCONJ
cjfa-30910	51	23	competent	competent	ADJ
cjfa-30910	51	24	hands	hand	NOUN
cjfa-30910	51	25	by	by	ADP
cjfa-30910	51	26	the	the	DET
cjfa-30910	51	27	banks	bank	NOUN
cjfa-30910	51	28	’	'	PUNCT
cjfa-30910	51	29	management	management	NOUN
cjfa-30910	51	30	team	team	NOUN
cjfa-30910	51	31	in	in	ADP
cjfa-30910	51	32	carrying	carry	VERB
cjfa-30910	51	33	out	out	ADP
cjfa-30910	51	34	their	their	PRON
cjfa-30910	51	35	business	business	NOUN
cjfa-30910	51	36	(	(	PUNCT
cjfa-30910	51	37	ayuba	ayuba	PROPN
cjfa-30910	51	38	&	&	CCONJ
cjfa-30910	51	39	zubair	zubair	PROPN
cjfa-30910	51	40	,	,	PUNCT
cjfa-30910	51	41	2015	2015	NUM
cjfa-30910	51	42	;	;	PUNCT
cjfa-30910	51	43	ubesie	ubesie	NOUN
cjfa-30910	51	44	et	et	PROPN
cjfa-30910	51	45	al	al	PROPN
cjfa-30910	51	46	.	.	PROPN
cjfa-30910	51	47	,	,	PUNCT
cjfa-30910	51	48	2017	2017	NUM
cjfa-30910	51	49	)	)	PUNCT
cjfa-30910	51	50	.	.	PUNCT
cjfa-30910	52	1	it	it	PRON
cjfa-30910	52	2	is	be	AUX
cjfa-30910	52	3	worthy	worthy	ADJ
cjfa-30910	52	4	to	to	PART
cjfa-30910	52	5	note	note	VERB
cjfa-30910	52	6	that	that	DET
cjfa-30910	52	7	small	small	ADJ
cjfa-30910	52	8	and	and	CCONJ
cjfa-30910	52	9	medium	medium	ADJ
cjfa-30910	52	10	scale	scale	NOUN
cjfa-30910	52	11	enterprises	enterprise	NOUN
cjfa-30910	52	12	(	(	PUNCT
cjfa-30910	52	13	smes	sme	NOUN
cjfa-30910	52	14	)	)	PUNCT
cjfa-30910	52	15	have	have	VERB
cjfa-30910	52	16	no	no	DET
cjfa-30910	52	17	generally	generally	ADV
cjfa-30910	52	18	established	establish	VERB
cjfa-30910	52	19	definition	definition	NOUN
cjfa-30910	52	20	.	.	PUNCT
cjfa-30910	53	1	however	however	ADV
cjfa-30910	53	2	,	,	PUNCT
cjfa-30910	53	3	smes	sme	NOUN
cjfa-30910	53	4	are	be	AUX
cjfa-30910	53	5	businesses	business	NOUN
cjfa-30910	53	6	that	that	PRON
cjfa-30910	53	7	are	be	AUX
cjfa-30910	53	8	privately	privately	ADV
cjfa-30910	53	9	owned	own	VERB
cjfa-30910	53	10	and	and	CCONJ
cjfa-30910	53	11	managed	manage	VERB
cjfa-30910	53	12	with	with	ADP
cjfa-30910	53	13	a	a	DET
cjfa-30910	53	14	small	small	ADJ
cjfa-30910	53	15	number	number	NOUN
cjfa-30910	53	16	of	of	ADP
cjfa-30910	53	17	employees	employee	NOUN
cjfa-30910	53	18	.	.	PUNCT
cjfa-30910	54	1	kadiri	kadiri	PROPN
cjfa-30910	54	2	(	(	PUNCT
cjfa-30910	54	3	2012	2012	NUM
cjfa-30910	54	4	)	)	PUNCT
cjfa-30910	54	5	asserted	assert	VERB
cjfa-30910	54	6	that	that	SCONJ
cjfa-30910	54	7	the	the	DET
cjfa-30910	54	8	criterion	criterion	NOUN
cjfa-30910	54	9	for	for	ADP
cjfa-30910	54	10	categorization	categorization	NOUN
cjfa-30910	54	11	of	of	ADP
cjfa-30910	54	12	smes	sme	NOUN
cjfa-30910	54	13	into	into	ADP
cjfa-30910	54	14	small	small	ADJ
cjfa-30910	54	15	,	,	PUNCT
cjfa-30910	54	16	medium	medium	ADJ
cjfa-30910	54	17	or	or	CCONJ
cjfa-30910	54	18	large	large	ADJ
cjfa-30910	54	19	scale	scale	NOUN
cjfa-30910	54	20	varies	vary	VERB
cjfa-30910	54	21	from	from	ADP
cjfa-30910	54	22	one	one	NUM
cjfa-30910	54	23	country	country	NOUN
cjfa-30910	54	24	to	to	ADP
cjfa-30910	54	25	another	another	PRON
cjfa-30910	54	26	based	base	VERB
cjfa-30910	54	27	on	on	ADP
cjfa-30910	54	28	whether	whether	SCONJ
cjfa-30910	54	29	the	the	DET
cjfa-30910	54	30	country	country	NOUN
cjfa-30910	54	31	is	be	AUX
cjfa-30910	54	32	developed	develop	VERB
cjfa-30910	54	33	or	or	CCONJ
cjfa-30910	54	34	developing	develop	VERB
cjfa-30910	54	35	.	.	PUNCT
cjfa-30910	55	1	small	small	ADJ
cjfa-30910	55	2	and	and	CCONJ
cjfa-30910	55	3	medium	medium	ADJ
cjfa-30910	55	4	enterprises	enterprise	NOUN
cjfa-30910	55	5	development	development	NOUN
cjfa-30910	55	6	agency	agency	PROPN
cjfa-30910	55	7	of	of	ADP
cjfa-30910	55	8	nigeria	nigeria	PROPN
cjfa-30910	55	9	(	(	PUNCT
cjfa-30910	55	10	smedan	smedan	PROPN
cjfa-30910	55	11	)	)	PUNCT
cjfa-30910	55	12	(	(	PUNCT
cjfa-30910	55	13	2015	2015	NUM
cjfa-30910	55	14	)	)	PUNCT
cjfa-30910	55	15	defines	define	VERB
cjfa-30910	55	16	small	small	ADJ
cjfa-30910	55	17	enterprise	enterprise	NOUN
cjfa-30910	55	18	as	as	ADP
cjfa-30910	55	19	one	one	NUM
cjfa-30910	55	20	which	which	DET
cjfa-30910	55	21	total	total	ADJ
cjfa-30910	55	22	assets	asset	NOUN
cjfa-30910	55	23	(	(	PUNCT
cjfa-30910	55	24	excluding	exclude	VERB
cjfa-30910	55	25	land	land	NOUN
cjfa-30910	55	26	and	and	CCONJ
cjfa-30910	55	27	building	building	NOUN
cjfa-30910	55	28	)	)	PUNCT
cjfa-30910	55	29	is	be	AUX
cjfa-30910	55	30	more	more	ADJ
cjfa-30910	55	31	than	than	ADP
cjfa-30910	55	32	10	10	NUM
cjfa-30910	55	33	million	million	NUM
cjfa-30910	55	34	naira	naira	NOUN
cjfa-30910	55	35	but	but	CCONJ
cjfa-30910	55	36	less	less	ADJ
cjfa-30910	55	37	than	than	ADP
cjfa-30910	55	38	100	100	NUM
cjfa-30910	55	39	million	million	NUM
cjfa-30910	55	40	naira	naira	NOUN
cjfa-30910	55	41	with	with	ADP
cjfa-30910	55	42	total	total	ADJ
cjfa-30910	55	43	workforce	workforce	NOUN
cjfa-30910	55	44	of	of	ADP
cjfa-30910	55	45	more	more	ADJ
cjfa-30910	55	46	than	than	ADP
cjfa-30910	55	47	10	10	NUM
cjfa-30910	55	48	employees	employee	NOUN
cjfa-30910	55	49	but	but	CCONJ
cjfa-30910	55	50	less	less	ADJ
cjfa-30910	55	51	than	than	ADP
cjfa-30910	55	52	50	50	NUM
cjfa-30910	55	53	.	.	PUNCT
cjfa-30910	56	1	whereas	whereas	SCONJ
cjfa-30910	56	2	a	a	DET
cjfa-30910	56	3	firm	firm	NOUN
cjfa-30910	56	4	with	with	ADP
cjfa-30910	56	5	total	total	ADJ
cjfa-30910	56	6	workforce	workforce	NOUN
cjfa-30910	56	7	of	of	ADP
cjfa-30910	56	8	50	50	NUM
cjfa-30910	56	9	and	and	CCONJ
cjfa-30910	56	10	199	199	NUM
cjfa-30910	56	11	employees	employee	NOUN
cjfa-30910	56	12	with	with	ADP
cjfa-30910	56	13	total	total	ADJ
cjfa-30910	56	14	assets	asset	NOUN
cjfa-30910	56	15	(	(	PUNCT
cjfa-30910	56	16	excluding	exclude	VERB
cjfa-30910	56	17	land	land	NOUN
cjfa-30910	56	18	and	and	CCONJ
cjfa-30910	56	19	building	building	NOUN
cjfa-30910	56	20	)	)	PUNCT
cjfa-30910	56	21	of	of	ADP
cjfa-30910	56	22	more	more	ADJ
cjfa-30910	56	23	than	than	ADP
cjfa-30910	56	24	100	100	NUM
cjfa-30910	56	25	million	million	NUM
cjfa-30910	56	26	but	but	CCONJ
cjfa-30910	56	27	not	not	PART
cjfa-30910	56	28	exceeding	exceed	VERB
cjfa-30910	56	29	1	1	NUM
cjfa-30910	56	30	billion	billion	NUM
cjfa-30910	56	31	is	be	AUX
cjfa-30910	56	32	categorized	categorize	VERB
cjfa-30910	56	33	as	as	ADP
cjfa-30910	56	34	a	a	DET
cjfa-30910	56	35	medium	medium	ADJ
cjfa-30910	56	36	enterprise	enterprise	NOUN
cjfa-30910	56	37	.	.	PUNCT
cjfa-30910	57	1	measuring	measure	VERB
cjfa-30910	57	2	business	business	NOUN
cjfa-30910	57	3	performance	performance	NOUN
cjfa-30910	57	4	is	be	AUX
cjfa-30910	57	5	an	an	DET
cjfa-30910	57	6	essential	essential	ADJ
cjfa-30910	57	7	element	element	NOUN
cjfa-30910	57	8	in	in	ADP
cjfa-30910	57	9	ensuring	ensure	VERB
cjfa-30910	57	10	a	a	DET
cjfa-30910	57	11	firm	firm	NOUN
cjfa-30910	57	12	’s	’s	PART
cjfa-30910	57	13	growth	growth	NOUN
cjfa-30910	57	14	and	and	CCONJ
cjfa-30910	57	15	survival	survival	NOUN
cjfa-30910	57	16	,	,	PUNCT
cjfa-30910	57	17	likewise	likewise	ADV
cjfa-30910	57	18	identifying	identify	VERB
cjfa-30910	57	19	its	its	PRON
cjfa-30910	57	20	strengths	strength	NOUN
cjfa-30910	57	21	and	and	CCONJ
cjfa-30910	57	22	weakness	weakness	NOUN
cjfa-30910	57	23	(	(	PUNCT
cjfa-30910	57	24	bandar	bandar	NOUN
cjfa-30910	57	25	,	,	PUNCT
cjfa-30910	57	26	2016	2016	NUM
cjfa-30910	57	27	)	)	PUNCT
cjfa-30910	57	28	.	.	PUNCT
cjfa-30910	58	1	performance	performance	NOUN
cjfa-30910	58	2	refers	refer	VERB
cjfa-30910	58	3	to	to	ADP
cjfa-30910	58	4	ability	ability	NOUN
cjfa-30910	58	5	of	of	ADP
cjfa-30910	58	6	an	an	DET
cjfa-30910	58	7	organization	organization	NOUN
cjfa-30910	58	8	to	to	PART
cjfa-30910	58	9	achieve	achieve	VERB
cjfa-30910	58	10	high	high	ADJ
cjfa-30910	58	11	profit	profit	NOUN
cjfa-30910	58	12	,	,	PUNCT
cjfa-30910	58	13	quality	quality	NOUN
cjfa-30910	58	14	product	product	NOUN
cjfa-30910	58	15	,	,	PUNCT
cjfa-30910	58	16	large	large	ADJ
cjfa-30910	58	17	market	market	NOUN
cjfa-30910	58	18	share	share	NOUN
cjfa-30910	58	19	,	,	PUNCT
cjfa-30910	58	20	good	good	ADJ
cjfa-30910	58	21	financial	financial	ADJ
cjfa-30910	58	22	results	result	NOUN
cjfa-30910	58	23	and	and	CCONJ
cjfa-30910	58	24	survival	survival	NOUN
cjfa-30910	58	25	at	at	ADP
cjfa-30910	58	26	bank	bank	NOUN
cjfa-30910	58	27	credit	credit	NOUN
cjfa-30910	58	28	accessibility	accessibility	NOUN
cjfa-30910	58	29	and	and	CCONJ
cjfa-30910	58	30	performance	performance	NOUN
cjfa-30910	58	31	…	…	PUNCT
cjfa-30910	58	32	49	49	NUM
cjfa-30910	58	33	a	a	DET
cjfa-30910	58	34	pre	pre	ADJ
cjfa-30910	58	35	-	-	ADJ
cjfa-30910	58	36	determined	determined	ADJ
cjfa-30910	58	37	time	time	NOUN
cjfa-30910	58	38	(	(	PUNCT
cjfa-30910	58	39	zhiri	zhiri	NOUN
cjfa-30910	58	40	,	,	PUNCT
cjfa-30910	58	41	2017	2017	NUM
cjfa-30910	58	42	)	)	PUNCT
cjfa-30910	58	43	.	.	PUNCT
cjfa-30910	59	1	apolot	apolot	PROPN
cjfa-30910	59	2	(	(	PUNCT
cjfa-30910	59	3	2012	2012	NUM
cjfa-30910	59	4	)	)	PUNCT
cjfa-30910	59	5	viewed	view	VERB
cjfa-30910	59	6	performance	performance	NOUN
cjfa-30910	59	7	in	in	ADP
cjfa-30910	59	8	relation	relation	NOUN
cjfa-30910	59	9	to	to	ADP
cjfa-30910	59	10	sales	sale	NOUN
cjfa-30910	59	11	growth	growth	NOUN
cjfa-30910	59	12	,	,	PUNCT
cjfa-30910	59	13	customer	customer	NOUN
cjfa-30910	59	14	satisfaction	satisfaction	NOUN
cjfa-30910	59	15	and	and	CCONJ
cjfa-30910	59	16	profitability	profitability	NOUN
cjfa-30910	59	17	.	.	PUNCT
cjfa-30910	60	1	however	however	ADV
cjfa-30910	60	2	,	,	PUNCT
cjfa-30910	60	3	a	a	DET
cjfa-30910	60	4	large	large	ADJ
cjfa-30910	60	5	number	number	NOUN
cjfa-30910	60	6	of	of	ADP
cjfa-30910	60	7	studies	study	NOUN
cjfa-30910	60	8	measure	measure	VERB
cjfa-30910	60	9	performance	performance	NOUN
cjfa-30910	60	10	with	with	ADP
cjfa-30910	60	11	efficiency	efficiency	NOUN
cjfa-30910	60	12	and	and	CCONJ
cjfa-30910	60	13	financial	financial	ADJ
cjfa-30910	60	14	result	result	NOUN
cjfa-30910	60	15	.	.	PUNCT
cjfa-30910	61	1	hence	hence	ADV
cjfa-30910	61	2	,	,	PUNCT
cjfa-30910	61	3	sme	sme	NOUN
cjfa-30910	61	4	performance	performance	NOUN
cjfa-30910	61	5	can	can	AUX
cjfa-30910	61	6	be	be	AUX
cjfa-30910	61	7	measured	measure	VERB
cjfa-30910	61	8	using	use	VERB
cjfa-30910	61	9	either	either	CCONJ
cjfa-30910	61	10	financial	financial	ADJ
cjfa-30910	61	11	or	or	CCONJ
cjfa-30910	61	12	non	non	ADJ
cjfa-30910	61	13	-	-	ADJ
cjfa-30910	61	14	financial	financial	ADJ
cjfa-30910	61	15	assets	asset	NOUN
cjfa-30910	61	16	.	.	PUNCT
cjfa-30910	62	1	smes	sme	NOUN
cjfa-30910	62	2	in	in	ADP
cjfa-30910	62	3	nigeria	nigeria	PROPN
cjfa-30910	62	4	have	have	AUX
cjfa-30910	62	5	not	not	PART
cjfa-30910	62	6	performed	perform	VERB
cjfa-30910	62	7	to	to	ADP
cjfa-30910	62	8	expectation	expectation	NOUN
cjfa-30910	62	9	in	in	ADP
cjfa-30910	62	10	terms	term	NOUN
cjfa-30910	62	11	of	of	ADP
cjfa-30910	62	12	meaningful	meaningful	ADJ
cjfa-30910	62	13	contribution	contribution	NOUN
cjfa-30910	62	14	to	to	ADP
cjfa-30910	62	15	the	the	DET
cjfa-30910	62	16	nation	nation	NOUN
cjfa-30910	62	17	’s	’s	PART
cjfa-30910	62	18	gross	gross	ADJ
cjfa-30910	62	19	domestic	domestic	ADJ
cjfa-30910	62	20	product	product	NOUN
cjfa-30910	62	21	(	(	PUNCT
cjfa-30910	62	22	gdp	gdp	NOUN
cjfa-30910	62	23	)	)	PUNCT
cjfa-30910	62	24	.	.	PUNCT
cjfa-30910	63	1	gbandi	gbandi	NOUN
cjfa-30910	63	2	and	and	CCONJ
cjfa-30910	63	3	amissah	amissah	NOUN
cjfa-30910	63	4	(	(	PUNCT
cjfa-30910	63	5	2014	2014	NUM
cjfa-30910	63	6	)	)	PUNCT
cjfa-30910	63	7	asserted	assert	VERB
cjfa-30910	63	8	that	that	SCONJ
cjfa-30910	63	9	smes	sme	NOUN
cjfa-30910	63	10	in	in	ADP
cjfa-30910	63	11	nigeria	nigeria	PROPN
cjfa-30910	63	12	have	have	AUX
cjfa-30910	63	13	underperformed	underperform	VERB
cjfa-30910	63	14	in	in	ADP
cjfa-30910	63	15	spite	spite	NOUN
cjfa-30910	63	16	of	of	ADP
cjfa-30910	63	17	the	the	DET
cjfa-30910	63	18	fact	fact	NOUN
cjfa-30910	63	19	that	that	SCONJ
cjfa-30910	63	20	they	they	PRON
cjfa-30910	63	21	constitute	constitute	VERB
cjfa-30910	63	22	more	more	ADJ
cjfa-30910	63	23	than	than	ADP
cjfa-30910	63	24	ninety	ninety	NUM
cjfa-30910	63	25	percent	percent	NOUN
cjfa-30910	63	26	of	of	ADP
cjfa-30910	63	27	nigerian	nigerian	ADJ
cjfa-30910	63	28	businesses	business	NOUN
cjfa-30910	63	29	,	,	PUNCT
cjfa-30910	63	30	their	their	PRON
cjfa-30910	63	31	contribution	contribution	NOUN
cjfa-30910	63	32	to	to	ADP
cjfa-30910	63	33	gdp	gdp	NOUN
cjfa-30910	63	34	is	be	AUX
cjfa-30910	63	35	below	below	ADP
cjfa-30910	63	36	expectation	expectation	NOUN
cjfa-30910	63	37	contributing	contribute	VERB
cjfa-30910	63	38	only	only	ADV
cjfa-30910	63	39	about	about	ADV
cjfa-30910	63	40	one	one	NUM
cjfa-30910	63	41	percent	percent	NOUN
cjfa-30910	63	42	to	to	ADP
cjfa-30910	63	43	gdp	gdp	PROPN
cjfa-30910	63	44	.	.	PUNCT
cjfa-30910	64	1	however	however	ADV
cjfa-30910	64	2	,	,	PUNCT
cjfa-30910	64	3	smes	smes	PROPN
cjfa-30910	64	4	low	low	ADJ
cjfa-30910	64	5	performance	performance	NOUN
cjfa-30910	64	6	in	in	ADP
cjfa-30910	64	7	nigeria	nigeria	PROPN
cjfa-30910	64	8	has	have	AUX
cjfa-30910	64	9	be	be	AUX
cjfa-30910	64	10	attributed	attribute	VERB
cjfa-30910	64	11	amongst	amongst	ADP
cjfa-30910	64	12	others	other	NOUN
cjfa-30910	64	13	to	to	PART
cjfa-30910	64	14	lack	lack	VERB
cjfa-30910	64	15	of	of	ADP
cjfa-30910	64	16	access	access	NOUN
cjfa-30910	64	17	to	to	ADP
cjfa-30910	64	18	the	the	DET
cjfa-30910	64	19	much	much	ADV
cjfa-30910	64	20	needed	need	VERB
cjfa-30910	64	21	fund	fund	NOUN
cjfa-30910	64	22	,	,	PUNCT
cjfa-30910	64	23	unfriendly	unfriendly	ADJ
cjfa-30910	64	24	business	business	NOUN
cjfa-30910	64	25	environment	environment	NOUN
cjfa-30910	64	26	,	,	PUNCT
cjfa-30910	64	27	lack	lack	NOUN
cjfa-30910	64	28	of	of	ADP
cjfa-30910	64	29	access	access	NOUN
cjfa-30910	64	30	to	to	ADP
cjfa-30910	64	31	modern	modern	ADJ
cjfa-30910	64	32	technology	technology	NOUN
cjfa-30910	64	33	and	and	CCONJ
cjfa-30910	64	34	poor	poor	ADJ
cjfa-30910	64	35	management	management	NOUN
cjfa-30910	64	36	skills	skill	NOUN
cjfa-30910	64	37	(	(	PUNCT
cjfa-30910	64	38	akabueze	akabueze	NOUN
cjfa-30910	64	39	,	,	PUNCT
cjfa-30910	64	40	2017	2017	NUM
cjfa-30910	64	41	)	)	PUNCT
cjfa-30910	64	42	.	.	PUNCT
cjfa-30910	65	1	employing	employ	VERB
cjfa-30910	65	2	co	co	NOUN
cjfa-30910	65	3	-	-	NOUN
cjfa-30910	65	4	integration	integration	NOUN
cjfa-30910	65	5	and	and	CCONJ
cjfa-30910	65	6	error	error	NOUN
cjfa-30910	65	7	correction	correction	NOUN
cjfa-30910	65	8	model	model	NOUN
cjfa-30910	65	9	techniques	technique	NOUN
cjfa-30910	65	10	,	,	PUNCT
cjfa-30910	65	11	imoughele	imoughele	NOUN
cjfa-30910	65	12	and	and	CCONJ
cjfa-30910	65	13	ismaila	ismaila	PROPN
cjfa-30910	65	14	(	(	PUNCT
cjfa-30910	65	15	2014	2014	NUM
cjfa-30910	65	16	)	)	PUNCT
cjfa-30910	65	17	evaluated	evaluate	VERB
cjfa-30910	65	18	the	the	DET
cjfa-30910	65	19	impact	impact	NOUN
cjfa-30910	65	20	of	of	ADP
cjfa-30910	65	21	commercial	commercial	ADJ
cjfa-30910	65	22	bank	bank	NOUN
cjfa-30910	65	23	credit	credit	NOUN
cjfa-30910	65	24	on	on	ADP
cjfa-30910	65	25	the	the	DET
cjfa-30910	65	26	growth	growth	NOUN
cjfa-30910	65	27	of	of	ADP
cjfa-30910	65	28	smes	sme	NOUN
cjfa-30910	65	29	in	in	ADP
cjfa-30910	65	30	nigeria	nigeria	PROPN
cjfa-30910	65	31	from	from	ADP
cjfa-30910	65	32	1986	1986	NUM
cjfa-30910	65	33	to	to	ADP
cjfa-30910	65	34	2012	2012	NUM
cjfa-30910	65	35	.	.	PUNCT
cjfa-30910	66	1	the	the	DET
cjfa-30910	66	2	results	result	NOUN
cjfa-30910	66	3	of	of	ADP
cjfa-30910	66	4	the	the	DET
cjfa-30910	66	5	study	study	NOUN
cjfa-30910	66	6	revealed	reveal	VERB
cjfa-30910	66	7	that	that	SCONJ
cjfa-30910	66	8	smes	sme	NOUN
cjfa-30910	66	9	and	and	CCONJ
cjfa-30910	66	10	selected	select	VERB
cjfa-30910	66	11	macroeconomic	macroeconomic	ADJ
cjfa-30910	66	12	variables	variable	NOUN
cjfa-30910	66	13	have	have	VERB
cjfa-30910	66	14	a	a	DET
cjfa-30910	66	15	long	long	ADJ
cjfa-30910	66	16	run	run	NOUN
cjfa-30910	66	17	relationship	relationship	NOUN
cjfa-30910	66	18	with	with	ADP
cjfa-30910	66	19	smes	sme	NOUN
cjfa-30910	66	20	output	output	NOUN
cjfa-30910	66	21	,	,	PUNCT
cjfa-30910	66	22	time	time	NOUN
cjfa-30910	66	23	deposit	deposit	NOUN
cjfa-30910	66	24	and	and	CCONJ
cjfa-30910	66	25	exchange	exchange	NOUN
cjfa-30910	66	26	rate	rate	NOUN
cjfa-30910	66	27	have	have	VERB
cjfa-30910	66	28	significant	significant	ADJ
cjfa-30910	66	29	impact	impact	NOUN
cjfa-30910	66	30	on	on	ADP
cjfa-30910	66	31	smes	sme	NOUN
cjfa-30910	66	32	output	output	NOUN
cjfa-30910	66	33	while	while	SCONJ
cjfa-30910	66	34	commercial	commercial	ADJ
cjfa-30910	66	35	bank	bank	NOUN
cjfa-30910	66	36	credit	credit	NOUN
cjfa-30910	66	37	to	to	ADP
cjfa-30910	66	38	smes	sme	NOUN
cjfa-30910	66	39	,	,	PUNCT
cjfa-30910	66	40	government	government	NOUN
cjfa-30910	66	41	expenditure	expenditure	NOUN
cjfa-30910	66	42	and	and	CCONJ
cjfa-30910	66	43	bank	bank	NOUN
cjfa-30910	66	44	density	density	NOUN
cjfa-30910	66	45	has	have	VERB
cjfa-30910	66	46	direct	direct	ADJ
cjfa-30910	66	47	but	but	CCONJ
cjfa-30910	66	48	insignificant	insignificant	ADJ
cjfa-30910	66	49	impact	impact	NOUN
cjfa-30910	66	50	on	on	ADP
cjfa-30910	66	51	smes	sme	NOUN
cjfa-30910	66	52	output	output	NOUN
cjfa-30910	66	53	and	and	CCONJ
cjfa-30910	66	54	interest	interest	NOUN
cjfa-30910	66	55	rate	rate	NOUN
cjfa-30910	66	56	has	have	VERB
cjfa-30910	66	57	adverse	adverse	ADJ
cjfa-30910	66	58	effect	effect	NOUN
cjfa-30910	66	59	on	on	ADP
cjfa-30910	66	60	smes	sme	NOUN
cjfa-30910	66	61	output	output	NOUN
cjfa-30910	66	62	.	.	PUNCT
cjfa-30910	67	1	analyzing	analyze	VERB
cjfa-30910	67	2	data	datum	NOUN
cjfa-30910	67	3	collected	collect	VERB
cjfa-30910	67	4	from	from	ADP
cjfa-30910	67	5	primary	primary	ADJ
cjfa-30910	67	6	data	datum	NOUN
cjfa-30910	67	7	source	source	NOUN
cjfa-30910	67	8	through	through	ADP
cjfa-30910	67	9	the	the	DET
cjfa-30910	67	10	use	use	NOUN
cjfa-30910	67	11	of	of	ADP
cjfa-30910	67	12	questionnaire	questionnaire	NOUN
cjfa-30910	67	13	,	,	PUNCT
cjfa-30910	67	14	oluitan	oluitan	PROPN
cjfa-30910	67	15	(	(	PUNCT
cjfa-30910	67	16	2014	2014	NUM
cjfa-30910	67	17	)	)	PUNCT
cjfa-30910	67	18	evaluated	evaluate	VERB
cjfa-30910	67	19	the	the	DET
cjfa-30910	67	20	impact	impact	NOUN
cjfa-30910	67	21	of	of	ADP
cjfa-30910	67	22	commercial	commercial	ADJ
cjfa-30910	67	23	bank	bank	NOUN
cjfa-30910	67	24	funding	funding	NOUN
cjfa-30910	67	25	on	on	ADP
cjfa-30910	67	26	small	small	ADJ
cjfa-30910	67	27	and	and	CCONJ
cjfa-30910	67	28	medium	medium	ADJ
cjfa-30910	67	29	scale	scale	NOUN
cjfa-30910	67	30	enterprises	enterprise	NOUN
cjfa-30910	67	31	in	in	ADP
cjfa-30910	67	32	nigeria	nigeria	PROPN
cjfa-30910	67	33	.	.	PUNCT
cjfa-30910	68	1	the	the	DET
cjfa-30910	68	2	findings	finding	NOUN
cjfa-30910	68	3	of	of	ADP
cjfa-30910	68	4	the	the	DET
cjfa-30910	68	5	study	study	NOUN
cjfa-30910	68	6	revealed	reveal	VERB
cjfa-30910	68	7	that	that	SCONJ
cjfa-30910	68	8	commercial	commercial	ADJ
cjfa-30910	68	9	bank	bank	NOUN
cjfa-30910	68	10	funding	funding	NOUN
cjfa-30910	68	11	for	for	ADP
cjfa-30910	68	12	smes	sme	NOUN
cjfa-30910	68	13	is	be	AUX
cjfa-30910	68	14	important	important	ADJ
cjfa-30910	68	15	to	to	PART
cjfa-30910	68	16	enhance	enhance	VERB
cjfa-30910	68	17	their	their	PRON
cjfa-30910	68	18	activities	activity	NOUN
cjfa-30910	68	19	,	,	PUNCT
cjfa-30910	68	20	but	but	CCONJ
cjfa-30910	68	21	currently	currently	ADV
cjfa-30910	68	22	not	not	PART
cjfa-30910	68	23	improving	improve	VERB
cjfa-30910	68	24	their	their	PRON
cjfa-30910	68	25	profitability	profitability	NOUN
cjfa-30910	68	26	.	.	PUNCT
cjfa-30910	69	1	acknowledging	acknowledge	VERB
cjfa-30910	69	2	the	the	DET
cjfa-30910	69	3	importance	importance	NOUN
cjfa-30910	69	4	of	of	ADP
cjfa-30910	69	5	easy	easy	ADJ
cjfa-30910	69	6	credit	credit	NOUN
cjfa-30910	69	7	access	access	NOUN
cjfa-30910	69	8	to	to	ADP
cjfa-30910	69	9	boosting	boost	VERB
cjfa-30910	69	10	smes	sme	NOUN
cjfa-30910	69	11	performance	performance	NOUN
cjfa-30910	69	12	,	,	PUNCT
cjfa-30910	69	13	ayuba	ayuba	PROPN
cjfa-30910	69	14	and	and	CCONJ
cjfa-30910	69	15	zubairu	zubairu	NOUN
cjfa-30910	69	16	(	(	PUNCT
cjfa-30910	69	17	2015	2015	NUM
cjfa-30910	69	18	)	)	PUNCT
cjfa-30910	69	19	evaluated	evaluate	VERB
cjfa-30910	69	20	the	the	DET
cjfa-30910	69	21	impact	impact	NOUN
cjfa-30910	69	22	of	of	ADP
cjfa-30910	69	23	banking	banking	NOUN
cjfa-30910	69	24	sector	sector	NOUN
cjfa-30910	69	25	credit	credit	NOUN
cjfa-30910	69	26	on	on	ADP
cjfa-30910	69	27	the	the	DET
cjfa-30910	69	28	growth	growth	NOUN
cjfa-30910	69	29	of	of	ADP
cjfa-30910	69	30	smes	sme	NOUN
cjfa-30910	69	31	in	in	ADP
cjfa-30910	69	32	nigeria	nigeria	PROPN
cjfa-30910	69	33	between	between	ADP
cjfa-30910	69	34	1985	1985	NUM
cjfa-30910	69	35	and	and	CCONJ
cjfa-30910	69	36	2010	2010	NUM
cjfa-30910	69	37	.	.	PUNCT
cjfa-30910	70	1	correlation	correlation	NOUN
cjfa-30910	70	2	matrix	matrix	NOUN
cjfa-30910	70	3	and	and	CCONJ
cjfa-30910	70	4	error	error	NOUN
cjfa-30910	70	5	correction	correction	NOUN
cjfa-30910	70	6	model	model	NOUN
cjfa-30910	70	7	were	be	AUX
cjfa-30910	70	8	used	use	VERB
cjfa-30910	70	9	to	to	PART
cjfa-30910	70	10	analyse	analyse	VERB
cjfa-30910	70	11	data	datum	NOUN
cjfa-30910	70	12	collected	collect	VERB
cjfa-30910	70	13	and	and	CCONJ
cjfa-30910	70	14	the	the	DET
cjfa-30910	70	15	study	study	NOUN
cjfa-30910	70	16	revealed	reveal	VERB
cjfa-30910	70	17	that	that	SCONJ
cjfa-30910	70	18	banking	banking	NOUN
cjfa-30910	70	19	sector	sector	NOUN
cjfa-30910	70	20	credit	credit	NOUN
cjfa-30910	70	21	has	have	VERB
cjfa-30910	70	22	a	a	DET
cjfa-30910	70	23	significant	significant	ADJ
cjfa-30910	70	24	impact	impact	NOUN
cjfa-30910	70	25	on	on	ADP
cjfa-30910	70	26	smes	sme	NOUN
cjfa-30910	70	27	growth	growth	NOUN
cjfa-30910	70	28	in	in	ADP
cjfa-30910	70	29	nigeria	nigeria	PROPN
cjfa-30910	70	30	with	with	ADP
cjfa-30910	70	31	a	a	DET
cjfa-30910	70	32	positive	positive	ADJ
cjfa-30910	70	33	impact	impact	NOUN
cjfa-30910	70	34	on	on	ADP
cjfa-30910	70	35	some	some	DET
cjfa-30910	70	36	major	major	ADJ
cjfa-30910	70	37	macro	macro	ADJ
cjfa-30910	70	38	-	-	ADJ
cjfa-30910	70	39	economic	economic	ADJ
cjfa-30910	70	40	variables	variable	NOUN
cjfa-30910	70	41	.	.	PUNCT
cjfa-30910	71	1	the	the	DET
cjfa-30910	71	2	study	study	NOUN
cjfa-30910	71	3	recommended	recommend	VERB
cjfa-30910	71	4	that	that	SCONJ
cjfa-30910	71	5	stringent	stringent	ADJ
cjfa-30910	71	6	conditions	condition	NOUN
cjfa-30910	71	7	associated	associate	VERB
cjfa-30910	71	8	with	with	ADP
cjfa-30910	71	9	credits	credit	NOUN
cjfa-30910	71	10	process	process	NOUN
cjfa-30910	71	11	to	to	ADP
cjfa-30910	71	12	smes	sme	NOUN
cjfa-30910	71	13	should	should	AUX
cjfa-30910	71	14	be	be	AUX
cjfa-30910	71	15	relaxed	relax	VERB
cjfa-30910	71	16	.	.	PUNCT
cjfa-30910	72	1	consequently	consequently	ADV
cjfa-30910	72	2	,	,	PUNCT
cjfa-30910	72	3	oke	oke	ADJ
cjfa-30910	72	4	and	and	CCONJ
cjfa-30910	72	5	aluko	aluko	PROPN
cjfa-30910	72	6	(	(	PUNCT
cjfa-30910	72	7	2015	2015	NUM
cjfa-30910	72	8	)	)	PUNCT
cjfa-30910	72	9	examined	examine	VERB
cjfa-30910	72	10	the	the	DET
cjfa-30910	72	11	impact	impact	NOUN
cjfa-30910	72	12	of	of	ADP
cjfa-30910	72	13	commercial	commercial	ADJ
cjfa-30910	72	14	banks	bank	NOUN
cjfa-30910	72	15	on	on	ADP
cjfa-30910	72	16	small	small	ADJ
cjfa-30910	72	17	and	and	CCONJ
cjfa-30910	72	18	medium	medium	ADJ
cjfa-30910	72	19	enterprises	enterprise	NOUN
cjfa-30910	72	20	financing	financing	NOUN
cjfa-30910	72	21	in	in	ADP
cjfa-30910	72	22	nigeria	nigeria	PRON
cjfa-30910	72	23	between	between	ADP
cjfa-30910	72	24	2002	2002	NUM
cjfa-30910	72	25	mubaraq	mubaraq	PROPN
cjfa-30910	72	26	sanni	sanni	PROPN
cjfa-30910	72	27	,	,	PUNCT
cjfa-30910	72	28	lukman	lukman	PROPN
cjfa-30910	72	29	adebayo	adebayo	PROPN
cjfa-30910	72	30	oke	oke	PROPN
cjfa-30910	72	31	,	,	PUNCT
cjfa-30910	72	32	idayat	idayat	PROPN
cjfa-30910	72	33	titilayo	titilayo	PROPN
cjfa-30910	72	34	alayande50	alayande50	VERB
cjfa-30910	72	35	and	and	CCONJ
cjfa-30910	72	36	2012	2012	NUM
cjfa-30910	72	37	.	.	PUNCT
cjfa-30910	73	1	using	use	VERB
cjfa-30910	73	2	panel	panel	NOUN
cjfa-30910	73	3	data	datum	NOUN
cjfa-30910	73	4	regression	regression	NOUN
cjfa-30910	73	5	analysis	analysis	NOUN
cjfa-30910	73	6	,	,	PUNCT
cjfa-30910	73	7	the	the	DET
cjfa-30910	73	8	results	result	NOUN
cjfa-30910	73	9	of	of	ADP
cjfa-30910	73	10	the	the	DET
cjfa-30910	73	11	study	study	NOUN
cjfa-30910	73	12	revealed	reveal	VERB
cjfa-30910	73	13	that	that	SCONJ
cjfa-30910	73	14	commercial	commercial	ADJ
cjfa-30910	73	15	bank	bank	NOUN
cjfa-30910	73	16	credit	credit	NOUN
cjfa-30910	73	17	has	have	VERB
cjfa-30910	73	18	significant	significant	ADJ
cjfa-30910	73	19	impact	impact	NOUN
cjfa-30910	73	20	on	on	ADP
cjfa-30910	73	21	sme	sme	ADJ
cjfa-30910	73	22	financing	financing	NOUN
cjfa-30910	73	23	hence	hence	ADV
cjfa-30910	73	24	they	they	PRON
cjfa-30910	73	25	are	be	AUX
cjfa-30910	73	26	capable	capable	ADJ
cjfa-30910	73	27	of	of	ADP
cjfa-30910	73	28	making	make	VERB
cjfa-30910	73	29	smes	sme	NOUN
cjfa-30910	73	30	grow	grow	VERB
cjfa-30910	73	31	.	.	PUNCT
cjfa-30910	74	1	in	in	ADP
cjfa-30910	74	2	a	a	DET
cjfa-30910	74	3	study	study	NOUN
cjfa-30910	74	4	conducted	conduct	VERB
cjfa-30910	74	5	by	by	ADP
cjfa-30910	74	6	kavitha	kavitha	PROPN
cjfa-30910	74	7	vani	vani	PROPN
cjfa-30910	74	8	(	(	PUNCT
cjfa-30910	74	9	2015	2015	NUM
cjfa-30910	74	10	)	)	PUNCT
cjfa-30910	74	11	,	,	PUNCT
cjfa-30910	74	12	employing	employ	VERB
cjfa-30910	74	13	both	both	CCONJ
cjfa-30910	74	14	descriptive	descriptive	ADJ
cjfa-30910	74	15	and	and	CCONJ
cjfa-30910	74	16	inferential	inferential	ADJ
cjfa-30910	74	17	statistical	statistical	ADJ
cjfa-30910	74	18	methods	method	NOUN
cjfa-30910	74	19	,	,	PUNCT
cjfa-30910	74	20	findings	finding	NOUN
cjfa-30910	74	21	revealed	reveal	VERB
cjfa-30910	74	22	that	that	SCONJ
cjfa-30910	74	23	there	there	PRON
cjfa-30910	74	24	is	be	VERB
cjfa-30910	74	25	high	high	ADJ
cjfa-30910	74	26	financial	financial	ADJ
cjfa-30910	74	27	exclusion	exclusion	NOUN
cjfa-30910	74	28	of	of	ADP
cjfa-30910	74	29	the	the	DET
cjfa-30910	74	30	sme	sme	NOUN
cjfa-30910	74	31	sector	sector	NOUN
cjfa-30910	74	32	from	from	ADP
cjfa-30910	74	33	formal	formal	ADJ
cjfa-30910	74	34	financial	financial	ADJ
cjfa-30910	74	35	sources	source	NOUN
cjfa-30910	74	36	,	,	PUNCT
cjfa-30910	74	37	but	but	CCONJ
cjfa-30910	74	38	this	this	PRON
cjfa-30910	74	39	is	be	AUX
cjfa-30910	74	40	due	due	ADJ
cjfa-30910	74	41	to	to	ADP
cjfa-30910	74	42	the	the	DET
cjfa-30910	74	43	wrong	wrong	ADJ
cjfa-30910	74	44	perception	perception	NOUN
cjfa-30910	74	45	of	of	ADP
cjfa-30910	74	46	each	each	DET
cjfa-30910	74	47	sector	sector	NOUN
cjfa-30910	74	48	on	on	ADP
cjfa-30910	74	49	one	one	NUM
cjfa-30910	74	50	another	another	DET
cjfa-30910	74	51	.	.	PUNCT
cjfa-30910	75	1	similarly	similarly	ADV
cjfa-30910	75	2	,	,	PUNCT
cjfa-30910	75	3	li	li	PROPN
cjfa-30910	75	4	(	(	PUNCT
cjfa-30910	75	5	2016	2016	NUM
cjfa-30910	75	6	)	)	PUNCT
cjfa-30910	75	7	conducted	conduct	VERB
cjfa-30910	75	8	a	a	DET
cjfa-30910	75	9	study	study	NOUN
cjfa-30910	75	10	on	on	ADP
cjfa-30910	75	11	the	the	DET
cjfa-30910	75	12	sources	source	NOUN
cjfa-30910	75	13	of	of	ADP
cjfa-30910	75	14	finance	finance	NOUN
cjfa-30910	75	15	and	and	CCONJ
cjfa-30910	75	16	the	the	DET
cjfa-30910	75	17	difficulties	difficulty	NOUN
cjfa-30910	75	18	in	in	ADP
cjfa-30910	75	19	raising	raise	VERB
cjfa-30910	75	20	finance	finance	NOUN
cjfa-30910	75	21	for	for	ADP
cjfa-30910	75	22	smes	sme	NOUN
cjfa-30910	75	23	in	in	ADP
cjfa-30910	75	24	china	china	PROPN
cjfa-30910	75	25	.	.	PUNCT
cjfa-30910	76	1	the	the	DET
cjfa-30910	76	2	study	study	NOUN
cjfa-30910	76	3	revealed	reveal	VERB
cjfa-30910	76	4	that	that	SCONJ
cjfa-30910	76	5	personal	personal	ADJ
cjfa-30910	76	6	finance	finance	NOUN
cjfa-30910	76	7	;	;	PUNCT
cjfa-30910	76	8	funds	fund	NOUN
cjfa-30910	76	9	from	from	ADP
cjfa-30910	76	10	families	family	NOUN
cjfa-30910	76	11	and	and	CCONJ
cjfa-30910	76	12	friends	friend	NOUN
cjfa-30910	76	13	along	along	ADP
cjfa-30910	76	14	with	with	ADP
cjfa-30910	76	15	credit	credit	NOUN
cjfa-30910	76	16	from	from	ADP
cjfa-30910	76	17	the	the	DET
cjfa-30910	76	18	financial	financial	ADJ
cjfa-30910	76	19	industry	industry	NOUN
cjfa-30910	76	20	are	be	AUX
cjfa-30910	76	21	being	be	AUX
cjfa-30910	76	22	widely	widely	ADV
cjfa-30910	76	23	used	use	VERB
cjfa-30910	76	24	by	by	ADP
cjfa-30910	76	25	smes	sme	NOUN
cjfa-30910	76	26	in	in	ADP
cjfa-30910	76	27	china	china	PROPN
cjfa-30910	76	28	now	now	ADV
cjfa-30910	76	29	and	and	CCONJ
cjfa-30910	76	30	the	the	DET
cjfa-30910	76	31	chances	chance	NOUN
cjfa-30910	76	32	that	that	SCONJ
cjfa-30910	76	33	the	the	DET
cjfa-30910	76	34	sector	sector	NOUN
cjfa-30910	76	35	will	will	AUX
cjfa-30910	76	36	access	access	VERB
cjfa-30910	76	37	more	more	ADJ
cjfa-30910	76	38	funds	fund	NOUN
cjfa-30910	76	39	from	from	ADP
cjfa-30910	76	40	the	the	DET
cjfa-30910	76	41	banking	banking	NOUN
cjfa-30910	76	42	system	system	NOUN
cjfa-30910	76	43	in	in	ADP
cjfa-30910	76	44	the	the	DET
cjfa-30910	76	45	future	future	NOUN
cjfa-30910	76	46	.	.	PUNCT
cjfa-30910	77	1	the	the	DET
cjfa-30910	77	2	study	study	NOUN
cjfa-30910	77	3	also	also	ADV
cjfa-30910	77	4	revealed	reveal	VERB
cjfa-30910	77	5	that	that	SCONJ
cjfa-30910	77	6	venture	venture	NOUN
cjfa-30910	77	7	capital	capital	NOUN
cjfa-30910	77	8	financing	financing	NOUN
cjfa-30910	77	9	is	be	AUX
cjfa-30910	77	10	also	also	ADV
cjfa-30910	77	11	available	available	ADJ
cjfa-30910	77	12	in	in	ADP
cjfa-30910	77	13	china	china	PROPN
cjfa-30910	77	14	but	but	CCONJ
cjfa-30910	77	15	due	due	ADP
cjfa-30910	77	16	to	to	ADP
cjfa-30910	77	17	the	the	DET
cjfa-30910	77	18	risk	risk	NOUN
cjfa-30910	77	19	involved	involve	VERB
cjfa-30910	77	20	and	and	CCONJ
cjfa-30910	77	21	the	the	DET
cjfa-30910	77	22	high	high	ADJ
cjfa-30910	77	23	rate	rate	NOUN
cjfa-30910	77	24	of	of	ADP
cjfa-30910	77	25	interest	interest	NOUN
cjfa-30910	77	26	charged	charge	VERB
cjfa-30910	77	27	on	on	ADP
cjfa-30910	77	28	the	the	DET
cjfa-30910	77	29	funds	fund	NOUN
cjfa-30910	77	30	,	,	PUNCT
cjfa-30910	77	31	smes	sme	NOUN
cjfa-30910	77	32	in	in	ADP
cjfa-30910	77	33	china	china	PROPN
cjfa-30910	77	34	has	have	AUX
cjfa-30910	77	35	been	be	AUX
cjfa-30910	77	36	discouraged	discourage	VERB
cjfa-30910	77	37	from	from	ADP
cjfa-30910	77	38	patronize	patronize	NOUN
cjfa-30910	77	39	venture	venture	NOUN
cjfa-30910	77	40	capital	capital	NOUN
cjfa-30910	77	41	financing	financing	NOUN
cjfa-30910	77	42	.	.	PUNCT
cjfa-30910	78	1	employing	employ	VERB
cjfa-30910	78	2	correlation	correlation	NOUN
cjfa-30910	78	3	and	and	CCONJ
cjfa-30910	78	4	analysis	analysis	NOUN
cjfa-30910	78	5	of	of	ADP
cjfa-30910	78	6	variance	variance	NOUN
cjfa-30910	78	7	(	(	PUNCT
cjfa-30910	78	8	anova	anova	PROPN
cjfa-30910	78	9	)	)	PUNCT
cjfa-30910	78	10	,	,	PUNCT
cjfa-30910	78	11	bandar	bandar	NOUN
cjfa-30910	78	12	(	(	PUNCT
cjfa-30910	78	13	2016	2016	NUM
cjfa-30910	78	14	)	)	PUNCT
cjfa-30910	78	15	examined	examine	VERB
cjfa-30910	78	16	financial	financial	ADJ
cjfa-30910	78	17	access	access	NOUN
cjfa-30910	78	18	constraints	constraint	NOUN
cjfa-30910	78	19	and	and	CCONJ
cjfa-30910	78	20	the	the	DET
cjfa-30910	78	21	impact	impact	NOUN
cjfa-30910	78	22	on	on	ADP
cjfa-30910	78	23	performance	performance	NOUN
cjfa-30910	78	24	of	of	ADP
cjfa-30910	78	25	smes	sme	NOUN
cjfa-30910	78	26	in	in	ADP
cjfa-30910	78	27	saudi	saudi	PROPN
cjfa-30910	78	28	arabia	arabia	PROPN
cjfa-30910	78	29	.	.	PUNCT
cjfa-30910	79	1	the	the	DET
cjfa-30910	79	2	results	result	NOUN
cjfa-30910	79	3	revealed	reveal	VERB
cjfa-30910	79	4	that	that	SCONJ
cjfa-30910	79	5	some	some	DET
cjfa-30910	79	6	factors	factor	NOUN
cjfa-30910	79	7	ranging	range	VERB
cjfa-30910	79	8	from	from	ADP
cjfa-30910	79	9	firm	firm	ADJ
cjfa-30910	79	10	specific	specific	ADJ
cjfa-30910	79	11	to	to	ADP
cjfa-30910	79	12	macroeconomic	macroeconomic	ADJ
cjfa-30910	79	13	impeded	impede	VERB
cjfa-30910	79	14	smes	sme	NOUN
cjfa-30910	79	15	access	access	NOUN
cjfa-30910	79	16	to	to	ADP
cjfa-30910	79	17	finance	finance	NOUN
cjfa-30910	79	18	from	from	ADP
cjfa-30910	79	19	the	the	DET
cjfa-30910	79	20	banks	bank	NOUN
cjfa-30910	79	21	and	and	CCONJ
cjfa-30910	79	22	prevent	prevent	VERB
cjfa-30910	79	23	them	they	PRON
cjfa-30910	79	24	from	from	ADP
cjfa-30910	79	25	developing	develop	VERB
cjfa-30910	79	26	their	their	PRON
cjfa-30910	79	27	businesses	business	NOUN
cjfa-30910	79	28	.	.	PUNCT
cjfa-30910	80	1	the	the	DET
cjfa-30910	80	2	study	study	NOUN
cjfa-30910	80	3	recommended	recommend	VERB
cjfa-30910	80	4	that	that	SCONJ
cjfa-30910	80	5	in	in	ADP
cjfa-30910	80	6	order	order	NOUN
cjfa-30910	80	7	to	to	PART
cjfa-30910	80	8	promote	promote	VERB
cjfa-30910	80	9	easy	easy	ADJ
cjfa-30910	80	10	access	access	NOUN
cjfa-30910	80	11	to	to	ADP
cjfa-30910	80	12	finance	finance	NOUN
cjfa-30910	80	13	from	from	ADP
cjfa-30910	80	14	banks	bank	NOUN
cjfa-30910	80	15	to	to	ADP
cjfa-30910	80	16	the	the	DET
cjfa-30910	80	17	sector	sector	NOUN
cjfa-30910	80	18	there	there	PRON
cjfa-30910	80	19	is	be	VERB
cjfa-30910	80	20	need	need	NOUN
cjfa-30910	80	21	to	to	PART
cjfa-30910	80	22	establish	establish	VERB
cjfa-30910	80	23	a	a	DET
cjfa-30910	80	24	trusting	trust	VERB
cjfa-30910	80	25	relationship	relationship	NOUN
cjfa-30910	80	26	between	between	ADP
cjfa-30910	80	27	the	the	DET
cjfa-30910	80	28	sector	sector	NOUN
cjfa-30910	80	29	and	and	CCONJ
cjfa-30910	80	30	the	the	DET
cjfa-30910	80	31	banks	bank	NOUN
cjfa-30910	80	32	.	.	PUNCT
cjfa-30910	81	1	employing	employ	VERB
cjfa-30910	81	2	multiple	multiple	ADJ
cjfa-30910	81	3	regression	regression	NOUN
cjfa-30910	81	4	analysis	analysis	NOUN
cjfa-30910	81	5	and	and	CCONJ
cjfa-30910	81	6	univariate	univariate	ADJ
cjfa-30910	81	7	analysis	analysis	NOUN
cjfa-30910	81	8	technique	technique	NOUN
cjfa-30910	81	9	to	to	PART
cjfa-30910	81	10	analyse	analyse	VERB
cjfa-30910	81	11	data	datum	NOUN
cjfa-30910	81	12	collected	collect	VERB
cjfa-30910	81	13	from	from	ADP
cjfa-30910	81	14	both	both	CCONJ
cjfa-30910	81	15	secondary	secondary	ADJ
cjfa-30910	81	16	and	and	CCONJ
cjfa-30910	81	17	primary	primary	ADJ
cjfa-30910	81	18	sources	source	NOUN
cjfa-30910	81	19	,	,	PUNCT
cjfa-30910	81	20	dalhat	dalhat	PROPN
cjfa-30910	81	21	and	and	CCONJ
cjfa-30910	81	22	hassan	hassan	PROPN
cjfa-30910	81	23	(	(	PUNCT
cjfa-30910	81	24	2016	2016	NUM
cjfa-30910	81	25	)	)	PUNCT
cjfa-30910	81	26	evaluated	evaluate	VERB
cjfa-30910	81	27	the	the	DET
cjfa-30910	81	28	role	role	NOUN
cjfa-30910	81	29	of	of	ADP
cjfa-30910	81	30	money	money	NOUN
cjfa-30910	81	31	deposit	deposit	NOUN
cjfa-30910	81	32	banks	bank	NOUN
cjfa-30910	81	33	in	in	ADP
cjfa-30910	81	34	financing	finance	VERB
cjfa-30910	81	35	smes	sme	NOUN
cjfa-30910	81	36	in	in	ADP
cjfa-30910	81	37	nigeria	nigeria	PROPN
cjfa-30910	81	38	.	.	PUNCT
cjfa-30910	82	1	the	the	DET
cjfa-30910	82	2	study	study	NOUN
cjfa-30910	82	3	revealed	reveal	VERB
cjfa-30910	82	4	that	that	SCONJ
cjfa-30910	82	5	financial	financial	ADJ
cjfa-30910	82	6	support	support	NOUN
cjfa-30910	82	7	,	,	PUNCT
cjfa-30910	82	8	business	business	NOUN
cjfa-30910	82	9	environment	environment	NOUN
cjfa-30910	82	10	and	and	CCONJ
cjfa-30910	82	11	managerial	managerial	ADJ
cjfa-30910	82	12	skills	skill	NOUN
cjfa-30910	82	13	have	have	VERB
cjfa-30910	82	14	positive	positive	ADJ
cjfa-30910	82	15	impact	impact	NOUN
cjfa-30910	82	16	on	on	ADP
cjfa-30910	82	17	the	the	DET
cjfa-30910	82	18	growth	growth	NOUN
cjfa-30910	82	19	and	and	CCONJ
cjfa-30910	82	20	survival	survival	NOUN
cjfa-30910	82	21	of	of	ADP
cjfa-30910	82	22	smes	sme	NOUN
cjfa-30910	82	23	.	.	PUNCT
cjfa-30910	83	1	ubesie	ubesie	INTJ
cjfa-30910	83	2	et	et	PROPN
cjfa-30910	83	3	al	al	PROPN
cjfa-30910	83	4	.	.	PROPN
cjfa-30910	84	1	(	(	PUNCT
cjfa-30910	84	2	2017	2017	NUM
cjfa-30910	84	3	)	)	PUNCT
cjfa-30910	84	4	examined	examine	VERB
cjfa-30910	84	5	the	the	DET
cjfa-30910	84	6	effect	effect	NOUN
cjfa-30910	84	7	of	of	ADP
cjfa-30910	84	8	deposit	deposit	NOUN
cjfa-30910	84	9	money	money	NOUN
cjfa-30910	84	10	banks	bank	NOUN
cjfa-30910	84	11	’	'	PUNCT
cjfa-30910	84	12	credit	credit	NOUN
cjfa-30910	84	13	on	on	ADP
cjfa-30910	84	14	smes	sme	NOUN
cjfa-30910	84	15	growth	growth	NOUN
cjfa-30910	84	16	in	in	ADP
cjfa-30910	84	17	nigeria	nigeria	PROPN
cjfa-30910	84	18	between	between	ADP
cjfa-30910	84	19	1986	1986	NUM
cjfa-30910	84	20	and	and	CCONJ
cjfa-30910	84	21	2015	2015	NUM
cjfa-30910	84	22	.	.	PUNCT
cjfa-30910	85	1	data	datum	NOUN
cjfa-30910	85	2	from	from	ADP
cjfa-30910	85	3	secondary	secondary	ADJ
cjfa-30910	85	4	source	source	NOUN
cjfa-30910	85	5	were	be	AUX
cjfa-30910	85	6	analysed	analyse	VERB
cjfa-30910	85	7	using	use	VERB
cjfa-30910	85	8	ordinary	ordinary	ADJ
cjfa-30910	85	9	least	least	ADJ
cjfa-30910	85	10	square	square	ADJ
cjfa-30910	85	11	(	(	PUNCT
cjfa-30910	85	12	ols	ol	NOUN
cjfa-30910	85	13	)	)	PUNCT
cjfa-30910	85	14	regression	regression	NOUN
cjfa-30910	85	15	method	method	NOUN
cjfa-30910	85	16	and	and	CCONJ
cjfa-30910	85	17	the	the	DET
cjfa-30910	85	18	study	study	NOUN
cjfa-30910	85	19	revealed	reveal	VERB
cjfa-30910	85	20	that	that	SCONJ
cjfa-30910	85	21	deposit	deposit	NOUN
cjfa-30910	85	22	money	money	NOUN
cjfa-30910	85	23	banks	bank	NOUN
cjfa-30910	85	24	’	'	PUNCT
cjfa-30910	85	25	credit	credit	NOUN
cjfa-30910	85	26	has	have	VERB
cjfa-30910	85	27	no	no	DET
cjfa-30910	85	28	significant	significant	ADJ
cjfa-30910	85	29	effect	effect	NOUN
cjfa-30910	85	30	on	on	ADP
cjfa-30910	85	31	smes	sme	NOUN
cjfa-30910	85	32	growth	growth	NOUN
cjfa-30910	85	33	in	in	ADP
cjfa-30910	85	34	nigeria	nigeria	PROPN
cjfa-30910	85	35	,	,	PUNCT
cjfa-30910	85	36	while	while	SCONJ
cjfa-30910	85	37	interest	interest	NOUN
cjfa-30910	85	38	rate	rate	NOUN
cjfa-30910	85	39	has	have	VERB
cjfa-30910	85	40	negative	negative	ADJ
cjfa-30910	85	41	but	but	CCONJ
cjfa-30910	85	42	significant	significant	ADJ
cjfa-30910	85	43	effect	effect	NOUN
cjfa-30910	85	44	on	on	ADP
cjfa-30910	85	45	smes	sme	NOUN
cjfa-30910	85	46	growth	growth	NOUN
cjfa-30910	85	47	in	in	ADP
cjfa-30910	85	48	nigeria	nigeria	PROPN
cjfa-30910	85	49	.	.	PUNCT
cjfa-30910	86	1	employing	employ	VERB
cjfa-30910	86	2	paired	pair	VERB
cjfa-30910	86	3	sample	sample	NOUN
cjfa-30910	86	4	t	t	PROPN
cjfa-30910	86	5	-	-	PUNCT
cjfa-30910	86	6	test	test	NOUN
cjfa-30910	86	7	and	and	CCONJ
cjfa-30910	86	8	ratio	ratio	NOUN
cjfa-30910	86	9	analysis	analysis	NOUN
cjfa-30910	86	10	,	,	PUNCT
cjfa-30910	86	11	ibrahim	ibrahim	PROPN
cjfa-30910	86	12	(	(	PUNCT
cjfa-30910	86	13	2017	2017	NUM
cjfa-30910	86	14	)	)	PUNCT
cjfa-30910	86	15	evaluated	evaluate	VERB
cjfa-30910	86	16	the	the	DET
cjfa-30910	86	17	role	role	NOUN
cjfa-30910	86	18	of	of	ADP
cjfa-30910	86	19	commercial	commercial	ADJ
cjfa-30910	86	20	banks	bank	NOUN
cjfa-30910	86	21	in	in	ADP
cjfa-30910	86	22	financing	finance	VERB
cjfa-30910	86	23	smes	sme	NOUN
cjfa-30910	86	24	in	in	ADP
cjfa-30910	86	25	nigeria	nigeria	PROPN
cjfa-30910	86	26	.	.	PUNCT
cjfa-30910	87	1	findings	finding	NOUN
cjfa-30910	87	2	of	of	ADP
cjfa-30910	87	3	the	the	DET
cjfa-30910	87	4	study	study	NOUN
cjfa-30910	87	5	revealed	reveal	VERB
cjfa-30910	87	6	that	that	SCONJ
cjfa-30910	87	7	commercial	commercial	ADJ
cjfa-30910	87	8	banks	bank	NOUN
cjfa-30910	87	9	loans	loan	NOUN
cjfa-30910	87	10	with	with	ADP
cjfa-30910	87	11	the	the	DET
cjfa-30910	87	12	equity	equity	NOUN
cjfa-30910	87	13	scheme	scheme	NOUN
cjfa-30910	87	14	have	have	AUX
cjfa-30910	87	15	not	not	PART
cjfa-30910	87	16	positively	positively	ADV
cjfa-30910	87	17	impacted	impact	VERB
cjfa-30910	87	18	on	on	ADP
cjfa-30910	87	19	smes	sme	NOUN
cjfa-30910	87	20	finance	finance	NOUN
cjfa-30910	87	21	.	.	PUNCT
cjfa-30910	88	1	in	in	ADP
cjfa-30910	88	2	view	view	NOUN
cjfa-30910	88	3	of	of	ADP
cjfa-30910	88	4	this	this	PRON
cjfa-30910	88	5	,	,	PUNCT
cjfa-30910	88	6	the	the	DET
cjfa-30910	88	7	study	study	NOUN
cjfa-30910	88	8	called	call	VERB
cjfa-30910	88	9	for	for	ADP
cjfa-30910	88	10	the	the	DET
cjfa-30910	88	11	bank	bank	NOUN
cjfa-30910	88	12	credit	credit	NOUN
cjfa-30910	88	13	accessibility	accessibility	NOUN
cjfa-30910	88	14	and	and	CCONJ
cjfa-30910	88	15	performance	performance	NOUN
cjfa-30910	88	16	…	…	PUNCT
cjfa-30910	88	17	51	51	NUM
cjfa-30910	88	18	need	need	NOUN
cjfa-30910	88	19	for	for	SCONJ
cjfa-30910	88	20	nigerian	nigerian	ADJ
cjfa-30910	88	21	commercial	commercial	ADJ
cjfa-30910	88	22	banks	bank	NOUN
cjfa-30910	88	23	to	to	PART
cjfa-30910	88	24	embrace	embrace	VERB
cjfa-30910	88	25	risk	risk	NOUN
cjfa-30910	88	26	-	-	PUNCT
cjfa-30910	88	27	averse	averse	ADJ
cjfa-30910	88	28	behaviour	behaviour	NOUN
cjfa-30910	88	29	in	in	ADP
cjfa-30910	88	30	respect	respect	NOUN
cjfa-30910	88	31	of	of	ADP
cjfa-30910	88	32	loans	loan	NOUN
cjfa-30910	88	33	to	to	ADP
cjfa-30910	88	34	smes	sme	NOUN
cjfa-30910	88	35	;	;	PUNCT
cjfa-30910	88	36	interest	interest	NOUN
cjfa-30910	88	37	rate	rate	NOUN
cjfa-30910	88	38	should	should	AUX
cjfa-30910	88	39	be	be	AUX
cjfa-30910	88	40	review	review	NOUN
cjfa-30910	88	41	for	for	ADP
cjfa-30910	88	42	smes	sme	NOUN
cjfa-30910	88	43	loans	loan	NOUN
cjfa-30910	88	44	and	and	CCONJ
cjfa-30910	88	45	cbn	cbn	PROPN
cjfa-30910	88	46	should	should	AUX
cjfa-30910	88	47	increase	increase	VERB
cjfa-30910	88	48	smeeis	smeeis	ADJ
cjfa-30910	88	49	contribution	contribution	NOUN
cjfa-30910	88	50	by	by	ADP
cjfa-30910	88	51	commercial	commercial	ADJ
cjfa-30910	88	52	banks	bank	NOUN
cjfa-30910	88	53	.	.	PUNCT
cjfa-30910	89	1	aguwamba	aguwamba	INTJ
cjfa-30910	89	2	and	and	CCONJ
cjfa-30910	89	3	ekienabor	ekienabor	NOUN
cjfa-30910	89	4	(	(	PUNCT
cjfa-30910	89	5	2017	2017	NUM
cjfa-30910	89	6	)	)	PUNCT
cjfa-30910	89	7	also	also	ADV
cjfa-30910	89	8	examined	examine	VERB
cjfa-30910	89	9	the	the	DET
cjfa-30910	89	10	linkage	linkage	NOUN
cjfa-30910	89	11	between	between	ADP
cjfa-30910	89	12	bank	bank	NOUN
cjfa-30910	89	13	lending	lending	NOUN
cjfa-30910	89	14	and	and	CCONJ
cjfa-30910	89	15	growth	growth	NOUN
cjfa-30910	89	16	of	of	ADP
cjfa-30910	89	17	small	small	ADJ
cjfa-30910	89	18	scale	scale	NOUN
cjfa-30910	89	19	enterprises	enterprise	NOUN
cjfa-30910	89	20	in	in	ADP
cjfa-30910	89	21	nigeria	nigeria	PROPN
cjfa-30910	89	22	.	.	PUNCT
cjfa-30910	90	1	the	the	DET
cjfa-30910	90	2	study	study	NOUN
cjfa-30910	90	3	employed	employ	VERB
cjfa-30910	90	4	ordinary	ordinary	ADJ
cjfa-30910	90	5	least	least	ADJ
cjfa-30910	90	6	squares	square	NOUN
cjfa-30910	90	7	(	(	PUNCT
cjfa-30910	90	8	ols	ol	NOUN
cjfa-30910	90	9	)	)	PUNCT
cjfa-30910	90	10	regression	regression	NOUN
cjfa-30910	90	11	technique	technique	NOUN
cjfa-30910	90	12	to	to	PART
cjfa-30910	90	13	analyse	analyse	VERB
cjfa-30910	90	14	data	datum	NOUN
cjfa-30910	90	15	collected	collect	VERB
cjfa-30910	90	16	from	from	ADP
cjfa-30910	90	17	1995	1995	NUM
cjfa-30910	90	18	to	to	ADP
cjfa-30910	90	19	2012	2012	NUM
cjfa-30910	90	20	.	.	PUNCT
cjfa-30910	91	1	the	the	DET
cjfa-30910	91	2	result	result	NOUN
cjfa-30910	91	3	revealed	reveal	VERB
cjfa-30910	91	4	a	a	DET
cjfa-30910	91	5	positive	positive	ADJ
cjfa-30910	91	6	impact	impact	NOUN
cjfa-30910	91	7	of	of	ADP
cjfa-30910	91	8	bank	bank	NOUN
cjfa-30910	91	9	lending	lending	NOUN
cjfa-30910	91	10	on	on	ADP
cjfa-30910	91	11	small	small	ADJ
cjfa-30910	91	12	-	-	PUNCT
cjfa-30910	91	13	scale	scale	NOUN
cjfa-30910	91	14	enterprises	enterprise	NOUN
cjfa-30910	91	15	growth	growth	NOUN
cjfa-30910	91	16	.	.	PUNCT
cjfa-30910	92	1	chepsang	chepsang	PROPN
cjfa-30910	92	2	,	,	PUNCT
cjfa-30910	92	3	iraya	iraya	NOUN
cjfa-30910	92	4	and	and	CCONJ
cjfa-30910	92	5	okiro	okiro	NOUN
cjfa-30910	92	6	(	(	PUNCT
cjfa-30910	92	7	2018	2018	NUM
cjfa-30910	92	8	)	)	PUNCT
cjfa-30910	92	9	evaluated	evaluate	VERB
cjfa-30910	92	10	the	the	DET
cjfa-30910	92	11	effects	effect	NOUN
cjfa-30910	92	12	of	of	ADP
cjfa-30910	92	13	access	access	NOUN
cjfa-30910	92	14	to	to	ADP
cjfa-30910	92	15	credit	credit	NOUN
cjfa-30910	92	16	on	on	ADP
cjfa-30910	92	17	financial	financial	ADJ
cjfa-30910	92	18	performance	performance	NOUN
cjfa-30910	92	19	of	of	ADP
cjfa-30910	92	20	smes	sme	NOUN
cjfa-30910	92	21	in	in	ADP
cjfa-30910	92	22	nairobi	nairobi	PROPN
cjfa-30910	92	23	county	county	PROPN
cjfa-30910	92	24	kenya	kenya	NOUN
cjfa-30910	92	25	from	from	ADP
cjfa-30910	92	26	2012	2012	NUM
cjfa-30910	92	27	to	to	ADP
cjfa-30910	92	28	2016	2016	NUM
cjfa-30910	92	29	.	.	PUNCT
cjfa-30910	93	1	the	the	DET
cjfa-30910	93	2	study	study	NOUN
cjfa-30910	93	3	revealed	reveal	VERB
cjfa-30910	93	4	a	a	DET
cjfa-30910	93	5	strong	strong	ADJ
cjfa-30910	93	6	and	and	CCONJ
cjfa-30910	93	7	positive	positive	ADJ
cjfa-30910	93	8	relationship	relationship	NOUN
cjfa-30910	93	9	between	between	ADP
cjfa-30910	93	10	the	the	DET
cjfa-30910	93	11	access	access	NOUN
cjfa-30910	93	12	to	to	ADP
cjfa-30910	93	13	credit	credit	NOUN
cjfa-30910	93	14	and	and	CCONJ
cjfa-30910	93	15	smes	sme	NOUN
cjfa-30910	93	16	performance	performance	NOUN
cjfa-30910	93	17	.	.	PUNCT
cjfa-30910	94	1	adelekan	adelekan	ADJ
cjfa-30910	94	2	,	,	PUNCT
cjfa-30910	94	3	eze	eze	ADJ
cjfa-30910	94	4	and	and	CCONJ
cjfa-30910	94	5	majekodunmi	majekodunmi	NOUN
cjfa-30910	94	6	(	(	PUNCT
cjfa-30910	94	7	2019	2019	NUM
cjfa-30910	94	8	)	)	PUNCT
cjfa-30910	94	9	also	also	ADV
cjfa-30910	94	10	reported	report	VERB
cjfa-30910	94	11	similar	similar	ADJ
cjfa-30910	94	12	findings	finding	NOUN
cjfa-30910	94	13	in	in	ADP
cjfa-30910	94	14	nigerian	nigerian	ADJ
cjfa-30910	94	15	context	context	NOUN
cjfa-30910	94	16	using	use	VERB
cjfa-30910	94	17	correlation	correlation	NOUN
cjfa-30910	94	18	analysis	analysis	NOUN
cjfa-30910	94	19	.	.	PUNCT
cjfa-30910	95	1	extant	extant	ADJ
cjfa-30910	95	2	literature	literature	NOUN
cjfa-30910	95	3	reviewed	review	VERB
cjfa-30910	95	4	on	on	ADP
cjfa-30910	95	5	the	the	DET
cjfa-30910	95	6	effect	effect	NOUN
cjfa-30910	95	7	of	of	ADP
cjfa-30910	95	8	deposit	deposit	NOUN
cjfa-30910	95	9	money	money	NOUN
cjfa-30910	95	10	banks	bank	NOUN
cjfa-30910	95	11	credit	credit	NOUN
cjfa-30910	95	12	access	access	NOUN
cjfa-30910	95	13	on	on	ADP
cjfa-30910	95	14	smes	sme	NOUN
cjfa-30910	95	15	performance	performance	NOUN
cjfa-30910	95	16	revealed	reveal	VERB
cjfa-30910	95	17	mixed	mixed	ADJ
cjfa-30910	95	18	findings	finding	NOUN
cjfa-30910	95	19	.	.	PUNCT
cjfa-30910	96	1	some	some	DET
cjfa-30910	96	2	evidences	evidence	NOUN
cjfa-30910	96	3	(	(	PUNCT
cjfa-30910	96	4	dalhat	dalhat	PROPN
cjfa-30910	96	5	&	&	CCONJ
cjfa-30910	96	6	hassan	hassan	PROPN
cjfa-30910	96	7	,	,	PUNCT
cjfa-30910	96	8	2016	2016	NUM
cjfa-30910	96	9	;	;	PUNCT
cjfa-30910	96	10	abosede	abosede	PROPN
cjfa-30910	96	11	,	,	PUNCT
cjfa-30910	96	12	hassan	hassan	PROPN
cjfa-30910	96	13	&	&	CCONJ
cjfa-30910	96	14	oko	oko	PROPN
cjfa-30910	96	15	-	-	PUNCT
cjfa-30910	96	16	oza	oza	PROPN
cjfa-30910	96	17	,	,	PUNCT
cjfa-30910	96	18	2017	2017	NUM
cjfa-30910	96	19	;	;	PUNCT
cjfa-30910	96	20	bashir	bashir	PROPN
cjfa-30910	96	21	&	&	CCONJ
cjfa-30910	96	22	ondigo	ondigo	PROPN
cjfa-30910	96	23	,	,	PUNCT
cjfa-30910	96	24	2018	2018	NUM
cjfa-30910	96	25	)	)	PUNCT
cjfa-30910	96	26	revealed	reveal	VERB
cjfa-30910	96	27	a	a	DET
cjfa-30910	96	28	positive	positive	ADJ
cjfa-30910	96	29	relationship	relationship	NOUN
cjfa-30910	96	30	others	other	NOUN
cjfa-30910	96	31	such	such	ADJ
cjfa-30910	96	32	as	as	ADP
cjfa-30910	96	33	oluitan	oluitan	ADJ
cjfa-30910	96	34	(	(	PUNCT
cjfa-30910	96	35	2014	2014	NUM
cjfa-30910	96	36	)	)	PUNCT
cjfa-30910	96	37	,	,	PUNCT
cjfa-30910	96	38	imafidon	imafidon	ADJ
cjfa-30910	96	39	and	and	CCONJ
cjfa-30910	96	40	itoya	itoya	ADJ
cjfa-30910	96	41	(	(	PUNCT
cjfa-30910	96	42	2014	2014	NUM
cjfa-30910	96	43	)	)	PUNCT
cjfa-30910	96	44	,	,	PUNCT
cjfa-30910	96	45	ubesie	ubesie	NOUN
cjfa-30910	96	46	et	et	PROPN
cjfa-30910	96	47	al	al	PROPN
cjfa-30910	96	48	.	.	PROPN
cjfa-30910	97	1	(	(	PUNCT
cjfa-30910	97	2	2017	2017	NUM
cjfa-30910	97	3	)	)	PUNCT
cjfa-30910	97	4	,	,	PUNCT
cjfa-30910	97	5	owolabi	owolabi	NOUN
cjfa-30910	97	6	and	and	CCONJ
cjfa-30910	97	7	nasiru	nasiru	NOUN
cjfa-30910	97	8	(	(	PUNCT
cjfa-30910	97	9	2017	2017	NUM
cjfa-30910	97	10	)	)	PUNCT
cjfa-30910	97	11	revealed	reveal	VERB
cjfa-30910	97	12	a	a	DET
cjfa-30910	97	13	negative	negative	ADJ
cjfa-30910	97	14	relationship	relationship	NOUN
cjfa-30910	97	15	,	,	PUNCT
cjfa-30910	97	16	hence	hence	ADV
cjfa-30910	97	17	the	the	DET
cjfa-30910	97	18	need	need	NOUN
cjfa-30910	97	19	for	for	ADP
cjfa-30910	97	20	further	further	ADJ
cjfa-30910	97	21	research	research	NOUN
cjfa-30910	97	22	.	.	PUNCT
cjfa-30910	98	1	in	in	ADP
cjfa-30910	98	2	addition	addition	NOUN
cjfa-30910	98	3	,	,	PUNCT
cjfa-30910	98	4	most	most	ADJ
cjfa-30910	98	5	of	of	ADP
cjfa-30910	98	6	the	the	DET
cjfa-30910	98	7	previous	previous	ADJ
cjfa-30910	98	8	studies	study	NOUN
cjfa-30910	98	9	in	in	ADP
cjfa-30910	98	10	this	this	DET
cjfa-30910	98	11	study	study	NOUN
cjfa-30910	98	12	area	area	NOUN
cjfa-30910	98	13	were	be	AUX
cjfa-30910	98	14	conducted	conduct	VERB
cjfa-30910	98	15	outside	outside	ADP
cjfa-30910	98	16	kwara	kwara	PROPN
cjfa-30910	98	17	domain	domain	NOUN
cjfa-30910	98	18	of	of	ADP
cjfa-30910	98	19	nigeria	nigeria	PROPN
cjfa-30910	98	20	and	and	CCONJ
cjfa-30910	98	21	majorly	majorly	ADV
cjfa-30910	98	22	focused	focus	VERB
cjfa-30910	98	23	on	on	ADP
cjfa-30910	98	24	microfinance	microfinance	NOUN
cjfa-30910	98	25	banks	bank	NOUN
cjfa-30910	98	26	.	.	PUNCT
cjfa-30910	99	1	notable	notable	ADJ
cjfa-30910	99	2	among	among	ADP
cjfa-30910	99	3	these	these	DET
cjfa-30910	99	4	studies	study	NOUN
cjfa-30910	99	5	are	be	AUX
cjfa-30910	99	6	owenvbiugie	owenvbiugie	NOUN
cjfa-30910	99	7	and	and	CCONJ
cjfa-30910	99	8	igbinnedion	igbinnedion	NOUN
cjfa-30910	99	9	(	(	PUNCT
cjfa-30910	99	10	2015	2015	NUM
cjfa-30910	99	11	)	)	PUNCT
cjfa-30910	99	12	,	,	PUNCT
cjfa-30910	99	13	abosede	abosede	NOUN
cjfa-30910	99	14	et	et	PROPN
cjfa-30910	99	15	al	al	PROPN
cjfa-30910	99	16	.	.	PROPN
cjfa-30910	99	17	,	,	PUNCT
cjfa-30910	99	18	(	(	PUNCT
cjfa-30910	99	19	2017	2017	NUM
cjfa-30910	99	20	)	)	PUNCT
cjfa-30910	99	21	,	,	PUNCT
cjfa-30910	99	22	zhiri	zhiri	NOUN
cjfa-30910	99	23	(	(	PUNCT
cjfa-30910	99	24	2017	2017	NUM
cjfa-30910	99	25	)	)	PUNCT
cjfa-30910	99	26	,	,	PUNCT
cjfa-30910	99	27	akingunola	akingunola	PROPN
cjfa-30910	99	28	,	,	PUNCT
cjfa-30910	99	29	olowofela	olowofela	NOUN
cjfa-30910	99	30	and	and	CCONJ
cjfa-30910	99	31	yunusa	yunusa	NOUN
cjfa-30910	99	32	(	(	PUNCT
cjfa-30910	99	33	2018	2018	NUM
cjfa-30910	99	34	)	)	PUNCT
cjfa-30910	99	35	and	and	CCONJ
cjfa-30910	99	36	adeoti	adeoti	PROPN
cjfa-30910	99	37	,	,	PUNCT
cjfa-30910	99	38	gbadeyan	gbadeyan	ADJ
cjfa-30910	99	39	and	and	CCONJ
cjfa-30910	99	40	olawale	olawale	NOUN
cjfa-30910	99	41	(	(	PUNCT
cjfa-30910	99	42	2015	2015	NUM
cjfa-30910	99	43	)	)	PUNCT
cjfa-30910	99	44	.	.	PUNCT
cjfa-30910	100	1	this	this	DET
cjfa-30910	100	2	study	study	NOUN
cjfa-30910	100	3	extends	extend	VERB
cjfa-30910	100	4	the	the	DET
cjfa-30910	100	5	knowledge	knowledge	NOUN
cjfa-30910	100	6	frontier	frontier	NOUN
cjfa-30910	100	7	by	by	ADP
cjfa-30910	100	8	focusing	focus	VERB
cjfa-30910	100	9	on	on	ADP
cjfa-30910	100	10	dmbs	dmb	NOUN
cjfa-30910	100	11	in	in	ADP
cjfa-30910	100	12	kwara	kwara	PROPN
cjfa-30910	100	13	state	state	PROPN
cjfa-30910	100	14	,	,	PUNCT
cjfa-30910	100	15	nigeria	nigeria	PROPN
cjfa-30910	100	16	.	.	PUNCT
cjfa-30910	101	1	methodologically	methodologically	ADV
cjfa-30910	101	2	,	,	PUNCT
cjfa-30910	101	3	most	most	ADJ
cjfa-30910	101	4	of	of	ADP
cjfa-30910	101	5	the	the	DET
cjfa-30910	101	6	literature	literature	NOUN
cjfa-30910	101	7	reviewed	review	VERB
cjfa-30910	101	8	used	use	VERB
cjfa-30910	101	9	anova	anova	PROPN
cjfa-30910	101	10	,	,	PUNCT
cjfa-30910	101	11	chi	chi	PROPN
cjfa-30910	101	12	square	square	PROPN
cjfa-30910	101	13	and	and	CCONJ
cjfa-30910	101	14	ols	ol	NOUN
cjfa-30910	101	15	regression	regression	NOUN
cjfa-30910	101	16	analysis	analysis	NOUN
cjfa-30910	101	17	as	as	ADV
cjfa-30910	101	18	well	well	ADV
cjfa-30910	101	19	as	as	ADP
cjfa-30910	101	20	simple	simple	ADJ
cjfa-30910	101	21	percentage	percentage	NOUN
cjfa-30910	101	22	and	and	CCONJ
cjfa-30910	101	23	trend	trend	NOUN
cjfa-30910	101	24	analysis	analysis	NOUN
cjfa-30910	101	25	.	.	PUNCT
cjfa-30910	102	1	this	this	DET
cjfa-30910	102	2	study	study	NOUN
cjfa-30910	102	3	used	use	VERB
cjfa-30910	102	4	partial	partial	ADJ
cjfa-30910	102	5	least	least	ADJ
cjfa-30910	102	6	square	square	ADJ
cjfa-30910	102	7	-	-	PUNCT
cjfa-30910	102	8	structural	structural	ADJ
cjfa-30910	102	9	equation	equation	NOUN
cjfa-30910	102	10	model	model	NOUN
cjfa-30910	102	11	to	to	PART
cjfa-30910	102	12	analyse	analyse	VERB
cjfa-30910	102	13	the	the	DET
cjfa-30910	102	14	effect	effect	NOUN
cjfa-30910	102	15	of	of	ADP
cjfa-30910	102	16	dmbs	dmb	NOUN
cjfa-30910	102	17	’	'	PUNCT
cjfa-30910	102	18	credit	credit	NOUN
cjfa-30910	102	19	accessibility	accessibility	NOUN
cjfa-30910	102	20	on	on	ADP
cjfa-30910	102	21	smes	sme	NOUN
cjfa-30910	102	22	’	'	PUNCT
cjfa-30910	102	23	performance	performance	NOUN
cjfa-30910	102	24	.	.	PUNCT
cjfa-30910	103	1	theoretical	theoretical	ADJ
cjfa-30910	103	2	framework	framework	NOUN
cjfa-30910	103	3	the	the	DET
cjfa-30910	103	4	connection	connection	NOUN
cjfa-30910	103	5	that	that	PRON
cjfa-30910	103	6	exists	exist	VERB
cjfa-30910	103	7	between	between	ADP
cjfa-30910	103	8	finance	finance	NOUN
cjfa-30910	103	9	and	and	CCONJ
cjfa-30910	103	10	economic	economic	ADJ
cjfa-30910	103	11	growth	growth	NOUN
cjfa-30910	103	12	was	be	AUX
cjfa-30910	103	13	first	first	ADV
cjfa-30910	103	14	reported	report	VERB
cjfa-30910	103	15	by	by	ADP
cjfa-30910	103	16	schumpeter	schumpeter	NOUN
cjfa-30910	103	17	(	(	PUNCT
cjfa-30910	103	18	1911	1911	NUM
cjfa-30910	103	19	)	)	PUNCT
cjfa-30910	103	20	and	and	CCONJ
cjfa-30910	103	21	this	this	PRON
cjfa-30910	103	22	has	have	AUX
cjfa-30910	103	23	been	be	AUX
cjfa-30910	103	24	contented	content	VERB
cjfa-30910	103	25	in	in	ADP
cjfa-30910	103	26	both	both	CCONJ
cjfa-30910	103	27	the	the	DET
cjfa-30910	103	28	developed	developed	ADJ
cjfa-30910	103	29	and	and	CCONJ
cjfa-30910	103	30	developing	develop	VERB
cjfa-30910	103	31	countries	country	NOUN
cjfa-30910	103	32	.	.	PUNCT
cjfa-30910	104	1	he	he	PRON
cjfa-30910	104	2	asserted	assert	VERB
cjfa-30910	104	3	that	that	SCONJ
cjfa-30910	104	4	a	a	DET
cjfa-30910	104	5	well	well	ADV
cjfa-30910	104	6	functioning	function	VERB
cjfa-30910	104	7	financial	financial	ADJ
cjfa-30910	104	8	sector	sector	NOUN
cjfa-30910	104	9	is	be	AUX
cjfa-30910	104	10	necessary	necessary	ADJ
cjfa-30910	104	11	to	to	PART
cjfa-30910	104	12	induce	induce	VERB
cjfa-30910	104	13	growth	growth	NOUN
cjfa-30910	104	14	in	in	ADP
cjfa-30910	104	15	the	the	DET
cjfa-30910	104	16	real	real	ADJ
cjfa-30910	104	17	sector	sector	NOUN
cjfa-30910	104	18	which	which	PRON
cjfa-30910	104	19	consequently	consequently	ADV
cjfa-30910	104	20	mubaraq	mubaraq	PROPN
cjfa-30910	104	21	sanni	sanni	PROPN
cjfa-30910	104	22	,	,	PUNCT
cjfa-30910	104	23	lukman	lukman	PROPN
cjfa-30910	104	24	adebayo	adebayo	PROPN
cjfa-30910	104	25	oke	oke	PROPN
cjfa-30910	104	26	,	,	PUNCT
cjfa-30910	104	27	idayat	idayat	PROPN
cjfa-30910	104	28	titilayo	titilayo	PROPN
cjfa-30910	104	29	alayande52	alayande52	PROPN
cjfa-30910	104	30	leads	lead	VERB
cjfa-30910	104	31	to	to	ADP
cjfa-30910	104	32	economic	economic	ADJ
cjfa-30910	104	33	growth	growth	NOUN
cjfa-30910	104	34	.	.	PUNCT
cjfa-30910	105	1	the	the	DET
cjfa-30910	105	2	finance	finance	NOUN
cjfa-30910	105	3	led	lead	VERB
cjfa-30910	105	4	growth	growth	NOUN
cjfa-30910	105	5	theory	theory	NOUN
cjfa-30910	105	6	holds	hold	VERB
cjfa-30910	105	7	that	that	SCONJ
cjfa-30910	105	8	activities	activity	NOUN
cjfa-30910	105	9	of	of	ADP
cjfa-30910	105	10	the	the	DET
cjfa-30910	105	11	financial	financial	ADJ
cjfa-30910	105	12	institutions	institution	NOUN
cjfa-30910	105	13	serve	serve	VERB
cjfa-30910	105	14	as	as	ADP
cjfa-30910	105	15	a	a	DET
cjfa-30910	105	16	useful	useful	ADJ
cjfa-30910	105	17	tool	tool	NOUN
cjfa-30910	105	18	for	for	ADP
cjfa-30910	105	19	increasing	increase	VERB
cjfa-30910	105	20	the	the	DET
cjfa-30910	105	21	productive	productive	ADJ
cjfa-30910	105	22	capacity	capacity	NOUN
cjfa-30910	105	23	of	of	ADP
cjfa-30910	105	24	the	the	DET
cjfa-30910	105	25	economy	economy	NOUN
cjfa-30910	105	26	.	.	PUNCT
cjfa-30910	106	1	the	the	DET
cjfa-30910	106	2	theory	theory	NOUN
cjfa-30910	106	3	contends	contend	VERB
cjfa-30910	106	4	that	that	SCONJ
cjfa-30910	106	5	nations	nation	NOUN
cjfa-30910	106	6	with	with	ADP
cjfa-30910	106	7	betterdeveloped	betterdevelope	VERB
cjfa-30910	106	8	financial	financial	ADJ
cjfa-30910	106	9	system	system	NOUN
cjfa-30910	106	10	have	have	VERB
cjfa-30910	106	11	the	the	DET
cjfa-30910	106	12	tendency	tendency	NOUN
cjfa-30910	106	13	to	to	PART
cjfa-30910	106	14	grow	grow	VERB
cjfa-30910	106	15	faster	fast	ADV
cjfa-30910	106	16	.	.	PUNCT
cjfa-30910	107	1	the	the	DET
cjfa-30910	107	2	significance	significance	NOUN
cjfa-30910	107	3	of	of	ADP
cjfa-30910	107	4	credit	credit	NOUN
cjfa-30910	107	5	institutions	institution	NOUN
cjfa-30910	107	6	in	in	ADP
cjfa-30910	107	7	creating	create	VERB
cjfa-30910	107	8	development	development	NOUN
cjfa-30910	107	9	within	within	ADP
cjfa-30910	107	10	the	the	DET
cjfa-30910	107	11	economy	economy	NOUN
cjfa-30910	107	12	has	have	AUX
cjfa-30910	107	13	been	be	AUX
cjfa-30910	107	14	broadly	broadly	ADV
cjfa-30910	107	15	discussed	discuss	VERB
cjfa-30910	107	16	in	in	ADP
cjfa-30910	107	17	various	various	ADJ
cjfa-30910	107	18	literatures	literature	NOUN
cjfa-30910	107	19	.	.	PUNCT
cjfa-30910	108	1	schumpeter	schumpeter	NOUN
cjfa-30910	108	2	(	(	PUNCT
cjfa-30910	108	3	1911	1911	NUM
cjfa-30910	108	4	)	)	PUNCT
cjfa-30910	108	5	also	also	ADV
cjfa-30910	108	6	recognized	recognize	VERB
cjfa-30910	108	7	banks	bank	NOUN
cjfa-30910	108	8	’	'	PUNCT
cjfa-30910	108	9	role	role	NOUN
cjfa-30910	108	10	in	in	ADP
cjfa-30910	108	11	encouraging	encourage	VERB
cjfa-30910	108	12	technological	technological	ADJ
cjfa-30910	108	13	development	development	NOUN
cjfa-30910	108	14	through	through	ADP
cjfa-30910	108	15	their	their	PRON
cjfa-30910	108	16	mediatory	mediatory	ADJ
cjfa-30910	108	17	role	role	NOUN
cjfa-30910	108	18	such	such	ADJ
cjfa-30910	108	19	as	as	ADP
cjfa-30910	108	20	supply	supply	NOUN
cjfa-30910	108	21	of	of	ADP
cjfa-30910	108	22	loans	loan	NOUN
cjfa-30910	108	23	to	to	ADP
cjfa-30910	108	24	the	the	DET
cjfa-30910	108	25	productive	productive	ADJ
cjfa-30910	108	26	sector	sector	NOUN
cjfa-30910	108	27	.	.	PUNCT
cjfa-30910	109	1	he	he	PRON
cjfa-30910	109	2	posits	posit	VERB
cjfa-30910	109	3	that	that	SCONJ
cjfa-30910	109	4	efficient	efficient	ADJ
cjfa-30910	109	5	allocation	allocation	NOUN
cjfa-30910	109	6	of	of	ADP
cjfa-30910	109	7	savings	saving	NOUN
cjfa-30910	109	8	through	through	ADP
cjfa-30910	109	9	recognition	recognition	NOUN
cjfa-30910	109	10	and	and	CCONJ
cjfa-30910	109	11	funding	funding	NOUN
cjfa-30910	109	12	of	of	ADP
cjfa-30910	109	13	businessmen	businessman	NOUN
cjfa-30910	109	14	with	with	ADP
cjfa-30910	109	15	the	the	DET
cjfa-30910	109	16	best	good	ADJ
cjfa-30910	109	17	chances	chance	NOUN
cjfa-30910	109	18	of	of	ADP
cjfa-30910	109	19	successfully	successfully	ADV
cjfa-30910	109	20	applying	apply	VERB
cjfa-30910	109	21	innovative	innovative	ADJ
cjfa-30910	109	22	products	product	NOUN
cjfa-30910	109	23	and	and	CCONJ
cjfa-30910	109	24	production	production	NOUN
cjfa-30910	109	25	processes	process	NOUN
cjfa-30910	109	26	are	be	AUX
cjfa-30910	109	27	devices	device	NOUN
cjfa-30910	109	28	to	to	ADP
cjfa-30910	109	29	attaining	attain	VERB
cjfa-30910	109	30	sustainable	sustainable	ADJ
cjfa-30910	109	31	economic	economic	ADJ
cjfa-30910	109	32	performance	performance	NOUN
cjfa-30910	109	33	.	.	PUNCT
cjfa-30910	110	1	several	several	ADJ
cjfa-30910	110	2	researchers	researcher	NOUN
cjfa-30910	110	3	thereafter	thereafter	ADV
cjfa-30910	110	4	(	(	PUNCT
cjfa-30910	110	5	mckinnon	mckinnon	NOUN
cjfa-30910	110	6	,	,	PUNCT
cjfa-30910	110	7	1973	1973	NUM
cjfa-30910	110	8	;	;	PUNCT
cjfa-30910	110	9	shaw	shaw	PROPN
cjfa-30910	110	10	,	,	PUNCT
cjfa-30910	110	11	1973	1973	NUM
cjfa-30910	110	12	;	;	PUNCT
cjfa-30910	110	13	fry	fry	NOUN
cjfa-30910	110	14	,	,	PUNCT
cjfa-30910	110	15	1988	1988	NUM
cjfa-30910	110	16	;	;	PUNCT
cjfa-30910	110	17	king	king	PROPN
cjfa-30910	110	18	&	&	CCONJ
cjfa-30910	110	19	levine	levine	PROPN
cjfa-30910	110	20	,	,	PUNCT
cjfa-30910	110	21	1993	1993	NUM
cjfa-30910	110	22	)	)	PUNCT
cjfa-30910	110	23	have	have	AUX
cjfa-30910	110	24	upheld	uphold	VERB
cjfa-30910	110	25	the	the	DET
cjfa-30910	110	26	above	above	ADJ
cjfa-30910	110	27	hypothesis	hypothesis	NOUN
cjfa-30910	110	28	about	about	ADP
cjfa-30910	110	29	the	the	DET
cjfa-30910	110	30	significance	significance	NOUN
cjfa-30910	110	31	of	of	ADP
cjfa-30910	110	32	banks	bank	NOUN
cjfa-30910	110	33	to	to	ADP
cjfa-30910	110	34	the	the	DET
cjfa-30910	110	35	advancement	advancement	NOUN
cjfa-30910	110	36	of	of	ADP
cjfa-30910	110	37	the	the	DET
cjfa-30910	110	38	economy	economy	NOUN
cjfa-30910	110	39	.	.	PUNCT
cjfa-30910	111	1	the	the	DET
cjfa-30910	111	2	research	research	NOUN
cjfa-30910	111	3	methodology	methodology	NOUN
cjfa-30910	111	4	and	and	CCONJ
cjfa-30910	111	5	the	the	DET
cjfa-30910	111	6	course	course	NOUN
cjfa-30910	111	7	of	of	ADP
cjfa-30910	111	8	the	the	DET
cjfa-30910	111	9	research	research	NOUN
cjfa-30910	111	10	process	process	NOUN
cjfa-30910	111	11	cross	cross	VERB
cjfa-30910	111	12	sectional	sectional	ADJ
cjfa-30910	111	13	survey	survey	NOUN
cjfa-30910	111	14	design	design	NOUN
cjfa-30910	111	15	was	be	AUX
cjfa-30910	111	16	adopted	adopt	VERB
cjfa-30910	111	17	in	in	ADP
cjfa-30910	111	18	the	the	DET
cjfa-30910	111	19	study	study	NOUN
cjfa-30910	111	20	.	.	PUNCT
cjfa-30910	112	1	this	this	DET
cjfa-30910	112	2	design	design	NOUN
cjfa-30910	112	3	is	be	AUX
cjfa-30910	112	4	usually	usually	ADV
cjfa-30910	112	5	adopted	adopt	VERB
cjfa-30910	112	6	when	when	SCONJ
cjfa-30910	112	7	there	there	PRON
cjfa-30910	112	8	is	be	VERB
cjfa-30910	112	9	no	no	DET
cjfa-30910	112	10	intent	intent	NOUN
cjfa-30910	112	11	of	of	ADP
cjfa-30910	112	12	controlling	control	VERB
cjfa-30910	112	13	any	any	PRON
cjfa-30910	112	14	of	of	ADP
cjfa-30910	112	15	the	the	DET
cjfa-30910	112	16	study	study	NOUN
cjfa-30910	112	17	samples	sample	NOUN
cjfa-30910	112	18	(	(	PUNCT
cjfa-30910	112	19	asika	asika	NOUN
cjfa-30910	112	20	,	,	PUNCT
cjfa-30910	112	21	2006	2006	NUM
cjfa-30910	112	22	)	)	PUNCT
cjfa-30910	112	23	.	.	PUNCT
cjfa-30910	113	1	the	the	DET
cjfa-30910	113	2	population	population	NOUN
cjfa-30910	113	3	of	of	ADP
cjfa-30910	113	4	the	the	DET
cjfa-30910	113	5	study	study	NOUN
cjfa-30910	113	6	comprises	comprise	NOUN
cjfa-30910	113	7	of	of	ADP
cjfa-30910	113	8	all	all	DET
cjfa-30910	113	9	382	382	NUM
cjfa-30910	113	10	smes	sme	NOUN
cjfa-30910	113	11	registered	register	VERB
cjfa-30910	113	12	with	with	ADP
cjfa-30910	113	13	the	the	DET
cjfa-30910	113	14	kwara	kwara	PROPN
cjfa-30910	113	15	state	state	PROPN
cjfa-30910	113	16	chambers	chambers	PROPN
cjfa-30910	113	17	of	of	ADP
cjfa-30910	113	18	commerce	commerce	PROPN
cjfa-30910	113	19	,	,	PUNCT
cjfa-30910	113	20	industry	industry	NOUN
cjfa-30910	113	21	,	,	PUNCT
cjfa-30910	113	22	mines	mine	NOUN
cjfa-30910	113	23	and	and	CCONJ
cjfa-30910	113	24	agriculture	agriculture	NOUN
cjfa-30910	113	25	(	(	PUNCT
cjfa-30910	113	26	kwaccima	kwaccima	NOUN
cjfa-30910	113	27	)	)	PUNCT
cjfa-30910	113	28	.	.	PUNCT
cjfa-30910	114	1	the	the	DET
cjfa-30910	114	2	nature	nature	NOUN
cjfa-30910	114	3	of	of	ADP
cjfa-30910	114	4	the	the	DET
cjfa-30910	114	5	study	study	NOUN
cjfa-30910	114	6	does	do	AUX
cjfa-30910	114	7	not	not	PART
cjfa-30910	114	8	allow	allow	VERB
cjfa-30910	114	9	for	for	ADP
cjfa-30910	114	10	inclusion	inclusion	NOUN
cjfa-30910	114	11	of	of	ADP
cjfa-30910	114	12	unregistered	unregistered	ADJ
cjfa-30910	114	13	smes	sme	NOUN
cjfa-30910	114	14	in	in	ADP
cjfa-30910	114	15	the	the	DET
cjfa-30910	114	16	population	population	NOUN
cjfa-30910	114	17	.	.	PUNCT
cjfa-30910	115	1	kwaccima	kwaccima	PROPN
cjfa-30910	115	2	members	member	NOUN
cjfa-30910	115	3	were	be	AUX
cjfa-30910	115	4	chosen	choose	VERB
cjfa-30910	115	5	because	because	SCONJ
cjfa-30910	115	6	they	they	PRON
cjfa-30910	115	7	have	have	AUX
cjfa-30910	115	8	duly	duly	ADV
cjfa-30910	115	9	registered	register	VERB
cjfa-30910	115	10	their	their	PRON
cjfa-30910	115	11	businesses	business	NOUN
cjfa-30910	115	12	and	and	CCONJ
cjfa-30910	115	13	operate	operate	VERB
cjfa-30910	115	14	within	within	ADP
cjfa-30910	115	15	the	the	DET
cjfa-30910	115	16	standard	standard	NOUN
cjfa-30910	115	17	set	set	VERB
cjfa-30910	115	18	by	by	ADP
cjfa-30910	115	19	smedan	smedan	PROPN
cjfa-30910	115	20	for	for	ADP
cjfa-30910	115	21	smes	sme	NOUN
cjfa-30910	115	22	.	.	PUNCT
cjfa-30910	116	1	and	and	CCONJ
cjfa-30910	116	2	registration	registration	NOUN
cjfa-30910	116	3	of	of	ADP
cjfa-30910	116	4	business	business	NOUN
cjfa-30910	116	5	is	be	AUX
cjfa-30910	116	6	also	also	ADV
cjfa-30910	116	7	one	one	NUM
cjfa-30910	116	8	of	of	ADP
cjfa-30910	116	9	the	the	DET
cjfa-30910	116	10	prerequisite	prerequisite	NOUN
cjfa-30910	116	11	for	for	ADP
cjfa-30910	116	12	obtaining	obtain	VERB
cjfa-30910	116	13	credit	credit	NOUN
cjfa-30910	116	14	from	from	ADP
cjfa-30910	116	15	deposit	deposit	NOUN
cjfa-30910	116	16	money	money	NOUN
cjfa-30910	116	17	banks	bank	NOUN
cjfa-30910	116	18	.	.	PUNCT
cjfa-30910	117	1	a	a	DET
cjfa-30910	117	2	sample	sample	NOUN
cjfa-30910	117	3	size	size	NOUN
cjfa-30910	117	4	of	of	ADP
cjfa-30910	117	5	198	198	NUM
cjfa-30910	117	6	smes	sme	NOUN
cjfa-30910	117	7	was	be	AUX
cjfa-30910	117	8	selected	select	VERB
cjfa-30910	117	9	based	base	VERB
cjfa-30910	117	10	on	on	ADP
cjfa-30910	117	11	yamane	yamane	PROPN
cjfa-30910	117	12	(	(	PUNCT
cjfa-30910	117	13	1967	1967	NUM
cjfa-30910	117	14	)	)	PUNCT
cjfa-30910	117	15	using	use	VERB
cjfa-30910	117	16	stratified	stratified	ADJ
cjfa-30910	117	17	sampling	sampling	NOUN
cjfa-30910	117	18	technique	technique	NOUN
cjfa-30910	117	19	.	.	PUNCT
cjfa-30910	118	1	(	(	PUNCT
cjfa-30910	118	2	see	see	VERB
cjfa-30910	118	3	appendix	appendix	NOUN
cjfa-30910	118	4	1	1	NUM
cjfa-30910	118	5	)	)	PUNCT
cjfa-30910	118	6	.	.	PUNCT
cjfa-30910	119	1	the	the	DET
cjfa-30910	119	2	source	source	NOUN
cjfa-30910	119	3	of	of	ADP
cjfa-30910	119	4	data	datum	NOUN
cjfa-30910	119	5	collection	collection	NOUN
cjfa-30910	119	6	for	for	ADP
cjfa-30910	119	7	the	the	DET
cjfa-30910	119	8	study	study	NOUN
cjfa-30910	119	9	was	be	AUX
cjfa-30910	119	10	obtained	obtain	VERB
cjfa-30910	119	11	through	through	ADP
cjfa-30910	119	12	questionnaire	questionnaire	NOUN
cjfa-30910	119	13	administered	administer	VERB
cjfa-30910	119	14	to	to	ADP
cjfa-30910	119	15	the	the	DET
cjfa-30910	119	16	target	target	NOUN
cjfa-30910	119	17	respondents	respondent	NOUN
cjfa-30910	119	18	.	.	PUNCT
cjfa-30910	120	1	the	the	DET
cjfa-30910	120	2	questionnaire	questionnaire	NOUN
cjfa-30910	120	3	was	be	AUX
cjfa-30910	120	4	divided	divide	VERB
cjfa-30910	120	5	into	into	ADP
cjfa-30910	120	6	two	two	NUM
cjfa-30910	120	7	(	(	PUNCT
cjfa-30910	120	8	2	2	NUM
cjfa-30910	120	9	)	)	PUNCT
cjfa-30910	120	10	parts	part	NOUN
cjfa-30910	120	11	,	,	PUNCT
cjfa-30910	120	12	sections	section	NOUN
cjfa-30910	120	13	a	a	DET
cjfa-30910	120	14	and	and	CCONJ
cjfa-30910	120	15	b.	b.	PROPN
cjfa-30910	120	16	section	section	NOUN
cjfa-30910	120	17	a	a	PRON
cjfa-30910	120	18	contains	contain	VERB
cjfa-30910	120	19	the	the	DET
cjfa-30910	120	20	social	social	ADJ
cjfa-30910	120	21	demographic	demographic	ADJ
cjfa-30910	120	22	information	information	NOUN
cjfa-30910	120	23	about	about	ADP
cjfa-30910	120	24	the	the	DET
cjfa-30910	120	25	respondents	respondent	NOUN
cjfa-30910	120	26	,	,	PUNCT
cjfa-30910	120	27	while	while	SCONJ
cjfa-30910	120	28	section	section	NOUN
cjfa-30910	120	29	b	b	PROPN
cjfa-30910	120	30	focused	focus	VERB
cjfa-30910	120	31	on	on	ADP
cjfa-30910	120	32	the	the	DET
cjfa-30910	120	33	research	research	NOUN
cjfa-30910	120	34	objectives	objective	NOUN
cjfa-30910	120	35	and	and	CCONJ
cjfa-30910	120	36	the	the	DET
cjfa-30910	120	37	hypotheses	hypothesis	NOUN
cjfa-30910	120	38	stated	state	VERB
cjfa-30910	120	39	.	.	PUNCT
cjfa-30910	121	1	the	the	DET
cjfa-30910	121	2	questionnaire	questionnaire	NOUN
cjfa-30910	121	3	of	of	ADP
cjfa-30910	121	4	kavitha	kavitha	PROPN
cjfa-30910	121	5	vani	vani	PROPN
cjfa-30910	121	6	(	(	PUNCT
cjfa-30910	121	7	2015	2015	NUM
cjfa-30910	121	8	)	)	PUNCT
cjfa-30910	121	9	and	and	CCONJ
cjfa-30910	121	10	bandar	bandar	NOUN
cjfa-30910	121	11	(	(	PUNCT
cjfa-30910	121	12	2016	2016	NUM
cjfa-30910	121	13	)	)	PUNCT
cjfa-30910	121	14	were	be	AUX
cjfa-30910	121	15	adapted	adapt	VERB
cjfa-30910	121	16	and	and	CCONJ
cjfa-30910	121	17	modified	modify	VERB
cjfa-30910	121	18	to	to	PART
cjfa-30910	121	19	suit	suit	VERB
cjfa-30910	121	20	the	the	DET
cjfa-30910	121	21	objective	objective	NOUN
cjfa-30910	121	22	of	of	ADP
cjfa-30910	121	23	the	the	DET
cjfa-30910	121	24	study	study	NOUN
cjfa-30910	121	25	.	.	PUNCT
cjfa-30910	122	1	bank	bank	NOUN
cjfa-30910	122	2	credit	credit	NOUN
cjfa-30910	122	3	accessibility	accessibility	NOUN
cjfa-30910	122	4	and	and	CCONJ
cjfa-30910	122	5	performance	performance	NOUN
cjfa-30910	122	6	…	…	PUNCT
cjfa-30910	122	7	53	53	NUM
cjfa-30910	122	8	also	also	ADV
cjfa-30910	122	9	,	,	PUNCT
cjfa-30910	122	10	validity	validity	NOUN
cjfa-30910	122	11	and	and	CCONJ
cjfa-30910	122	12	reliability	reliability	NOUN
cjfa-30910	122	13	tests	test	NOUN
cjfa-30910	122	14	were	be	AUX
cjfa-30910	122	15	conducted	conduct	VERB
cjfa-30910	122	16	to	to	PART
cjfa-30910	122	17	substantiate	substantiate	VERB
cjfa-30910	122	18	the	the	DET
cjfa-30910	122	19	instruments	instrument	NOUN
cjfa-30910	122	20	used	use	VERB
cjfa-30910	122	21	for	for	ADP
cjfa-30910	122	22	data	data	NOUN
cjfa-30910	122	23	collection	collection	NOUN
cjfa-30910	122	24	.	.	PUNCT
cjfa-30910	123	1	descriptive	descriptive	ADJ
cjfa-30910	123	2	and	and	CCONJ
cjfa-30910	123	3	inferential	inferential	ADJ
cjfa-30910	123	4	statistics	statistic	NOUN
cjfa-30910	123	5	were	be	AUX
cjfa-30910	123	6	used	use	VERB
cjfa-30910	123	7	for	for	ADP
cjfa-30910	123	8	data	datum	NOUN
cjfa-30910	123	9	analysis	analysis	NOUN
cjfa-30910	123	10	.	.	PUNCT
cjfa-30910	124	1	the	the	DET
cjfa-30910	124	2	descriptive	descriptive	ADJ
cjfa-30910	124	3	statistics	statistic	NOUN
cjfa-30910	124	4	employed	employ	VERB
cjfa-30910	124	5	includes	include	VERB
cjfa-30910	124	6	mean	mean	ADJ
cjfa-30910	124	7	,	,	PUNCT
cjfa-30910	124	8	frequency	frequency	NOUN
cjfa-30910	124	9	and	and	CCONJ
cjfa-30910	124	10	standard	standard	ADJ
cjfa-30910	124	11	deviation	deviation	NOUN
cjfa-30910	124	12	to	to	PART
cjfa-30910	124	13	explain	explain	VERB
cjfa-30910	124	14	the	the	DET
cjfa-30910	124	15	demographic	demographic	ADJ
cjfa-30910	124	16	data	datum	NOUN
cjfa-30910	124	17	while	while	SCONJ
cjfa-30910	124	18	partial	partial	ADJ
cjfa-30910	124	19	least	least	ADJ
cjfa-30910	124	20	square	square	ADJ
cjfa-30910	124	21	-	-	PUNCT
cjfa-30910	124	22	structural	structural	ADJ
cjfa-30910	124	23	equation	equation	NOUN
cjfa-30910	124	24	model	model	NOUN
cjfa-30910	124	25	(	(	PUNCT
cjfa-30910	124	26	pls	pls	INTJ
cjfa-30910	124	27	-	-	PUNCT
cjfa-30910	124	28	sem	sem	NOUN
cjfa-30910	124	29	)	)	PUNCT
cjfa-30910	124	30	was	be	AUX
cjfa-30910	124	31	used	use	VERB
cjfa-30910	124	32	to	to	PART
cjfa-30910	124	33	achieve	achieve	VERB
cjfa-30910	124	34	the	the	DET
cjfa-30910	124	35	research	research	NOUN
cjfa-30910	124	36	objectives	objective	NOUN
cjfa-30910	124	37	stated	state	VERB
cjfa-30910	124	38	as	as	ADV
cjfa-30910	124	39	well	well	ADV
cjfa-30910	124	40	as	as	ADP
cjfa-30910	124	41	testing	test	VERB
cjfa-30910	124	42	the	the	DET
cjfa-30910	124	43	hypotheses	hypothesis	NOUN
cjfa-30910	124	44	formulated	formulate	VERB
cjfa-30910	124	45	.	.	PUNCT
cjfa-30910	125	1	model	model	NOUN
cjfa-30910	125	2	specification	specification	NOUN
cjfa-30910	125	3	the	the	DET
cjfa-30910	125	4	econometric	econometric	ADJ
cjfa-30910	125	5	model	model	NOUN
cjfa-30910	125	6	employed	employ	VERB
cjfa-30910	125	7	in	in	ADP
cjfa-30910	125	8	this	this	DET
cjfa-30910	125	9	study	study	NOUN
cjfa-30910	125	10	to	to	PART
cjfa-30910	125	11	evaluate	evaluate	VERB
cjfa-30910	125	12	the	the	DET
cjfa-30910	125	13	effect	effect	NOUN
cjfa-30910	125	14	of	of	ADP
cjfa-30910	125	15	deposit	deposit	NOUN
cjfa-30910	125	16	money	money	NOUN
cjfa-30910	125	17	banks	bank	NOUN
cjfa-30910	125	18	credit	credit	NOUN
cjfa-30910	125	19	accessibility	accessibility	NOUN
cjfa-30910	125	20	on	on	ADP
cjfa-30910	125	21	smes	sme	NOUN
cjfa-30910	125	22	performance	performance	NOUN
cjfa-30910	125	23	in	in	ADP
cjfa-30910	125	24	kwara	kwara	PROPN
cjfa-30910	125	25	state	state	PROPN
cjfa-30910	125	26	was	be	AUX
cjfa-30910	125	27	adapted	adapt	VERB
cjfa-30910	125	28	with	with	ADP
cjfa-30910	125	29	modification	modification	NOUN
cjfa-30910	125	30	from	from	ADP
cjfa-30910	125	31	the	the	DET
cjfa-30910	125	32	previous	previous	ADJ
cjfa-30910	125	33	empirical	empirical	ADJ
cjfa-30910	125	34	study	study	NOUN
cjfa-30910	125	35	of	of	ADP
cjfa-30910	125	36	ubesie	ubesie	NOUN
cjfa-30910	125	37	et	et	PROPN
cjfa-30910	125	38	al	al	PROPN
cjfa-30910	125	39	.	.	PROPN
cjfa-30910	126	1	(	(	PUNCT
cjfa-30910	126	2	2017	2017	NUM
cjfa-30910	126	3	)	)	PUNCT
cjfa-30910	126	4	as	as	SCONJ
cjfa-30910	126	5	follows	follow	VERB
cjfa-30910	126	6	:	:	PUNCT
cjfa-30910	126	7	smep	smep	NOUN
cjfa-30910	126	8	=	=	SYM
cjfa-30910	126	9	f(abc	f(abc	PROPN
cjfa-30910	126	10	,	,	PUNCT
cjfa-30910	126	11	crc	crc	NOUN
cjfa-30910	126	12	)	)	PUNCT
cjfa-30910	126	13	(	(	PUNCT
cjfa-30910	126	14	1	1	X
cjfa-30910	126	15	)	)	PUNCT
cjfa-30910	126	16	this	this	PRON
cjfa-30910	126	17	can	can	AUX
cjfa-30910	126	18	be	be	AUX
cjfa-30910	126	19	specified	specify	VERB
cjfa-30910	126	20	in	in	ADP
cjfa-30910	126	21	operational	operational	ADJ
cjfa-30910	126	22	form	form	NOUN
cjfa-30910	126	23	as	as	ADP
cjfa-30910	126	24	:	:	PUNCT
cjfa-30910	126	25	sme(p)i	sme(p)i	NOUN
cjfa-30910	126	26	=	=	PUNCT
cjfa-30910	126	27	β0	β0	PROPN
cjfa-30910	126	28	+	+	NOUN
cjfa-30910	126	29	β1abci	β1abci	ADJ
cjfa-30910	126	30	+	+	CCONJ
cjfa-30910	126	31	β2crci	β2crci	ADJ
cjfa-30910	126	32	+	+	X
cjfa-30910	126	33	µi	µi	PROPN
cjfa-30910	126	34	(	(	PUNCT
cjfa-30910	126	35	2	2	NUM
cjfa-30910	126	36	)	)	PUNCT
cjfa-30910	126	37	where	where	SCONJ
cjfa-30910	126	38	:	:	PUNCT
cjfa-30910	126	39	sme(p)i	sme(p)i	NOUN
cjfa-30910	126	40	=	=	SYM
cjfa-30910	126	41	small	small	ADJ
cjfa-30910	126	42	and	and	CCONJ
cjfa-30910	126	43	medium	medium	ADJ
cjfa-30910	126	44	scale	scale	NOUN
cjfa-30910	126	45	enterprises	enterprise	NOUN
cjfa-30910	126	46	performance	performance	NOUN
cjfa-30910	126	47	β0	β0	NOUN
cjfa-30910	126	48	=	=	PUNCT
cjfa-30910	126	49	constant	constant	ADJ
cjfa-30910	126	50	coefficient	coefficient	NOUN
cjfa-30910	126	51	β1	β1	PROPN
cjfa-30910	126	52	β	β	X
cjfa-30910	126	53	2	2	NUM
cjfa-30910	126	54	=	=	SYM
cjfa-30910	126	55	slope	slope	NOUN
cjfa-30910	126	56	or	or	CCONJ
cjfa-30910	126	57	regression	regression	NOUN
cjfa-30910	126	58	parameters	parameter	NOUN
cjfa-30910	126	59	abc	abc	PROPN
cjfa-30910	126	60	=	=	SYM
cjfa-30910	126	61	access	access	NOUN
cjfa-30910	126	62	to	to	ADP
cjfa-30910	126	63	bank	bank	NOUN
cjfa-30910	126	64	credit	credit	NOUN
cjfa-30910	126	65	crc	crc	NOUN
cjfa-30910	126	66	=	=	NOUN
cjfa-30910	126	67	credit	credit	NOUN
cjfa-30910	126	68	related	relate	VERB
cjfa-30910	126	69	charges	charge	NOUN
cjfa-30910	126	70	µ	µ	NOUN
cjfa-30910	126	71	=	=	SYM
cjfa-30910	126	72	stochastic	stochastic	ADJ
cjfa-30910	126	73	error	error	NOUN
cjfa-30910	126	74	term	term	NOUN
cjfa-30910	126	75	i	i	PRON
cjfa-30910	126	76	=	=	SYM
cjfa-30910	126	77	cross	cross	VERB
cjfa-30910	126	78	sectional	sectional	ADJ
cjfa-30910	126	79	(	(	PUNCT
cjfa-30910	126	80	individual	individual	ADJ
cjfa-30910	126	81	)	)	PUNCT
cjfa-30910	126	82	mubaraq	mubaraq	PROPN
cjfa-30910	126	83	sanni	sanni	PROPN
cjfa-30910	126	84	,	,	PUNCT
cjfa-30910	126	85	lukman	lukman	PROPN
cjfa-30910	126	86	adebayo	adebayo	PROPN
cjfa-30910	126	87	oke	oke	PROPN
cjfa-30910	126	88	,	,	PUNCT
cjfa-30910	126	89	idayat	idayat	PROPN
cjfa-30910	126	90	titilayo	titilayo	PROPN
cjfa-30910	126	91	alayande54	alayande54	NOUN
cjfa-30910	126	92	results	result	NOUN
cjfa-30910	126	93	and	and	CCONJ
cjfa-30910	126	94	discussions	discussion	NOUN
cjfa-30910	126	95	demographic	demographic	ADJ
cjfa-30910	126	96	profile	profile	NOUN
cjfa-30910	126	97	of	of	ADP
cjfa-30910	126	98	respondents	respondent	NOUN
cjfa-30910	126	99	the	the	DET
cjfa-30910	126	100	demographic	demographic	ADJ
cjfa-30910	126	101	profiles	profile	NOUN
cjfa-30910	126	102	of	of	ADP
cjfa-30910	126	103	respondents	respondent	NOUN
cjfa-30910	126	104	were	be	AUX
cjfa-30910	126	105	summarized	summarize	VERB
cjfa-30910	126	106	in	in	ADP
cjfa-30910	126	107	table	table	NOUN
cjfa-30910	126	108	1	1	NUM
cjfa-30910	126	109	:	:	PUNCT
cjfa-30910	126	110	table	table	NOUN
cjfa-30910	126	111	1	1	NUM
cjfa-30910	126	112	.	.	PUNCT
cjfa-30910	126	113	demographic	demographic	ADJ
cjfa-30910	126	114	profile	profile	NOUN
cjfa-30910	126	115	of	of	ADP
cjfa-30910	126	116	respondents	respondent	NOUN
cjfa-30910	126	117	variable	variable	ADJ
cjfa-30910	126	118	frequency	frequency	NOUN
cjfa-30910	126	119	percentages	percentage	NOUN
cjfa-30910	126	120	gender	gender	NOUN
cjfa-30910	126	121	male	male	ADJ
cjfa-30910	126	122	female	female	NOUN
cjfa-30910	126	123	95	95	NUM
cjfa-30910	126	124	103	103	NUM
cjfa-30910	126	125	47.98	47.98	NUM
cjfa-30910	126	126	52.02	52.02	NUM
cjfa-30910	126	127	nature	nature	NOUN
cjfa-30910	126	128	of	of	ADP
cjfa-30910	126	129	business	business	NOUN
cjfa-30910	126	130	small	small	ADJ
cjfa-30910	126	131	enterprises	enterprise	NOUN
cjfa-30910	126	132	medium	medium	ADJ
cjfa-30910	126	133	enterprises	enterprise	NOUN
cjfa-30910	126	134	147	147	NUM
cjfa-30910	126	135	51	51	NUM
cjfa-30910	126	136	74.24	74.24	NUM
cjfa-30910	126	137	25.76	25.76	NUM
cjfa-30910	126	138	qualification	qualification	NOUN
cjfa-30910	126	139	ph.d	ph.d	PROPN
cjfa-30910	126	140	.	.	PUNCT
cjfa-30910	127	1	masters	masters	PROPN
cjfa-30910	127	2	b.sc	b.sc	PROPN
cjfa-30910	127	3	.	.	PROPN
cjfa-30910	127	4	h.n.d	h.n.d	PROPN
cjfa-30910	127	5	.	.	PUNCT
cjfa-30910	128	1	others	other	NOUN
cjfa-30910	128	2	6	6	NUM
cjfa-30910	128	3	21	21	NUM
cjfa-30910	128	4	39	39	NUM
cjfa-30910	128	5	58	58	NUM
cjfa-30910	128	6	74	74	NUM
cjfa-30910	128	7	3.03	3.03	NUM
cjfa-30910	128	8	10.61	10.61	NUM
cjfa-30910	128	9	19.69	19.69	NUM
cjfa-30910	128	10	29.29	29.29	NUM
cjfa-30910	128	11	37.37	37.37	NUM
cjfa-30910	128	12	position	position	NOUN
cjfa-30910	128	13	owner	owner	NOUN
cjfa-30910	128	14	manager	manager	NOUN
cjfa-30910	128	15	144	144	NUM
cjfa-30910	128	16	54	54	NUM
cjfa-30910	128	17	72.73	72.73	NUM
cjfa-30910	128	18	27.27	27.27	NUM
cjfa-30910	128	19	years	year	NOUN
cjfa-30910	128	20	of	of	ADP
cjfa-30910	128	21	existence	existence	NOUN
cjfa-30910	128	22	0	0	NUM
cjfa-30910	128	23	-	-	SYM
cjfa-30910	128	24	5	5	NUM
cjfa-30910	128	25	6	6	NUM
cjfa-30910	128	26	-	-	SYM
cjfa-30910	128	27	10	10	NUM
cjfa-30910	128	28	11	11	NUM
cjfa-30910	128	29	-	-	SYM
cjfa-30910	128	30	15	15	NUM
cjfa-30910	128	31	16	16	NUM
cjfa-30910	128	32	and	and	CCONJ
cjfa-30910	128	33	above	above	ADP
cjfa-30910	128	34	11	11	NUM
cjfa-30910	128	35	82	82	NUM
cjfa-30910	128	36	61	61	NUM
cjfa-30910	128	37	44	44	NUM
cjfa-30910	128	38	5.6	5.6	NUM
cjfa-30910	128	39	41.4	41.4	NUM
cjfa-30910	128	40	30.8	30.8	NUM
cjfa-30910	128	41	22.2	22.2	NUM
cjfa-30910	128	42	s	s	NOUN
cjfa-30910	128	43	o	o	NOUN
cjfa-30910	128	44	u	u	NOUN
cjfa-30910	128	45	r	r	NOUN
cjfa-30910	128	46	c	c	NOUN
cjfa-30910	128	47	e	e	NOUN
cjfa-30910	128	48	:	:	PUNCT
cjfa-30910	128	49	authors	author	NOUN
cjfa-30910	128	50	’	'	PUNCT
cjfa-30910	128	51	computation	computation	NOUN
cjfa-30910	128	52	,	,	PUNCT
cjfa-30910	128	53	2019	2019	NUM
cjfa-30910	128	54	.	.	PUNCT
cjfa-30910	129	1	regarding	regard	VERB
cjfa-30910	129	2	respondents	respondent	NOUN
cjfa-30910	129	3	’	'	PUNCT
cjfa-30910	129	4	gender	gender	NOUN
cjfa-30910	129	5	,	,	PUNCT
cjfa-30910	129	6	significant	significant	ADJ
cjfa-30910	129	7	portion	portion	NOUN
cjfa-30910	129	8	of	of	ADP
cjfa-30910	129	9	the	the	DET
cjfa-30910	129	10	respondents	respondent	NOUN
cjfa-30910	129	11	were	be	AUX
cjfa-30910	129	12	female	female	ADJ
cjfa-30910	129	13	numbering	number	VERB
cjfa-30910	129	14	103	103	NUM
cjfa-30910	129	15	(	(	PUNCT
cjfa-30910	129	16	52.02	52.02	NUM
cjfa-30910	129	17	%	%	NOUN
cjfa-30910	129	18	)	)	PUNCT
cjfa-30910	129	19	,	,	PUNCT
cjfa-30910	129	20	while	while	SCONJ
cjfa-30910	129	21	the	the	DET
cjfa-30910	129	22	male	male	NOUN
cjfa-30910	129	23	were	be	AUX
cjfa-30910	129	24	95	95	NUM
cjfa-30910	129	25	constituting	constituting	NOUN
cjfa-30910	129	26	(	(	PUNCT
cjfa-30910	129	27	47.98	47.98	NUM
cjfa-30910	129	28	%	%	NOUN
cjfa-30910	129	29	)	)	PUNCT
cjfa-30910	129	30	.	.	PUNCT
cjfa-30910	130	1	this	this	PRON
cjfa-30910	130	2	implies	imply	VERB
cjfa-30910	130	3	that	that	SCONJ
cjfa-30910	130	4	more	more	ADJ
cjfa-30910	130	5	female	female	ADJ
cjfa-30910	130	6	gender	gender	NOUN
cjfa-30910	130	7	owns	own	VERB
cjfa-30910	130	8	/	/	SYM
cjfa-30910	130	9	manages	manage	VERB
cjfa-30910	130	10	smes	sme	NOUN
cjfa-30910	130	11	operations	operation	NOUN
cjfa-30910	130	12	in	in	ADP
cjfa-30910	130	13	kwara	kwara	PROPN
cjfa-30910	130	14	state	state	PROPN
cjfa-30910	130	15	.	.	PUNCT
cjfa-30910	131	1	as	as	ADP
cjfa-30910	131	2	for	for	ADP
cjfa-30910	131	3	the	the	DET
cjfa-30910	131	4	nature	nature	NOUN
cjfa-30910	131	5	of	of	ADP
cjfa-30910	131	6	business	business	NOUN
cjfa-30910	131	7	,	,	PUNCT
cjfa-30910	131	8	the	the	DET
cjfa-30910	131	9	small	small	ADJ
cjfa-30910	131	10	enterprises	enterprise	NOUN
cjfa-30910	131	11	have	have	VERB
cjfa-30910	131	12	a	a	DET
cjfa-30910	131	13	sampled	sample	VERB
cjfa-30910	131	14	populace	populace	NOUN
cjfa-30910	131	15	of	of	ADP
cjfa-30910	131	16	147	147	NUM
cjfa-30910	131	17	(	(	PUNCT
cjfa-30910	131	18	74.24	74.24	NUM
cjfa-30910	131	19	%	%	NOUN
cjfa-30910	131	20	)	)	PUNCT
cjfa-30910	131	21	while	while	SCONJ
cjfa-30910	131	22	the	the	DET
cjfa-30910	131	23	medium	medium	ADJ
cjfa-30910	131	24	enterprises	enterprise	NOUN
cjfa-30910	131	25	have	have	VERB
cjfa-30910	131	26	51	51	NUM
cjfa-30910	131	27	(	(	PUNCT
cjfa-30910	131	28	25.76	25.76	NUM
cjfa-30910	131	29	%	%	NOUN
cjfa-30910	131	30	)	)	PUNCT
cjfa-30910	131	31	.	.	PUNCT
cjfa-30910	132	1	this	this	PRON
cjfa-30910	132	2	implies	imply	VERB
cjfa-30910	132	3	that	that	SCONJ
cjfa-30910	132	4	there	there	PRON
cjfa-30910	132	5	are	be	VERB
cjfa-30910	132	6	more	more	ADJ
cjfa-30910	132	7	respondents	respondent	NOUN
cjfa-30910	132	8	from	from	ADP
cjfa-30910	132	9	small	small	ADJ
cjfa-30910	132	10	businesses	business	NOUN
cjfa-30910	132	11	than	than	ADP
cjfa-30910	132	12	the	the	DET
cjfa-30910	132	13	medium	medium	ADJ
cjfa-30910	132	14	businesses	business	NOUN
cjfa-30910	132	15	in	in	ADP
cjfa-30910	132	16	kwara	kwara	PROPN
cjfa-30910	132	17	state	state	PROPN
cjfa-30910	132	18	.	.	PUNCT
cjfa-30910	133	1	regarding	regard	VERB
cjfa-30910	133	2	educational	educational	ADJ
cjfa-30910	133	3	qualifications	qualification	NOUN
cjfa-30910	133	4	,	,	PUNCT
cjfa-30910	133	5	6	6	NUM
cjfa-30910	133	6	respondents	respondent	NOUN
cjfa-30910	133	7	(	(	PUNCT
cjfa-30910	133	8	3.03	3.03	NUM
cjfa-30910	133	9	%	%	NOUN
cjfa-30910	133	10	)	)	PUNCT
cjfa-30910	133	11	are	be	AUX
cjfa-30910	133	12	ph.d	ph.d	PROPN
cjfa-30910	133	13	.	.	PUNCT
cjfa-30910	134	1	holders	holder	NOUN
cjfa-30910	134	2	,	,	PUNCT
cjfa-30910	134	3	21	21	NUM
cjfa-30910	134	4	respondents	respondent	NOUN
cjfa-30910	134	5	(	(	PUNCT
cjfa-30910	134	6	10.61	10.61	NUM
cjfa-30910	134	7	%	%	NOUN
cjfa-30910	134	8	)	)	PUNCT
cjfa-30910	134	9	have	have	VERB
cjfa-30910	134	10	m.sc	m.sc	PROPN
cjfa-30910	134	11	.	.	PUNCT
cjfa-30910	134	12	,	,	PUNCT
cjfa-30910	134	13	while	while	SCONJ
cjfa-30910	134	14	39	39	NUM
cjfa-30910	134	15	respondents	respondent	NOUN
cjfa-30910	134	16	(	(	PUNCT
cjfa-30910	134	17	19.69	19.69	NUM
cjfa-30910	134	18	%	%	NOUN
cjfa-30910	134	19	)	)	PUNCT
cjfa-30910	134	20	are	be	AUX
cjfa-30910	134	21	b.sc	b.sc	PROPN
cjfa-30910	134	22	.	.	PROPN
cjfa-30910	134	23	holders	holder	NOUN
cjfa-30910	134	24	.	.	PUNCT
cjfa-30910	135	1	also	also	ADV
cjfa-30910	135	2	,	,	PUNCT
cjfa-30910	135	3	58	58	NUM
cjfa-30910	135	4	respondents	respondent	NOUN
cjfa-30910	135	5	(	(	PUNCT
cjfa-30910	135	6	29.29	29.29	NUM
cjfa-30910	135	7	%	%	NOUN
cjfa-30910	135	8	)	)	PUNCT
cjfa-30910	135	9	have	have	AUX
cjfa-30910	135	10	hnd	hnd	NOUN
cjfa-30910	135	11	and	and	CCONJ
cjfa-30910	135	12	majority	majority	NOUN
cjfa-30910	135	13	of	of	ADP
cjfa-30910	135	14	the	the	DET
cjfa-30910	135	15	respondents	respondent	NOUN
cjfa-30910	135	16	(	(	PUNCT
cjfa-30910	135	17	74	74	X
cjfa-30910	135	18	)	)	PUNCT
cjfa-30910	135	19	representing	represent	VERB
cjfa-30910	135	20	37.37	37.37	NUM
cjfa-30910	135	21	%	%	NOUN
cjfa-30910	135	22	have	have	VERB
cjfa-30910	135	23	other	other	ADJ
cjfa-30910	135	24	qualifications	qualification	NOUN
cjfa-30910	135	25	not	not	PART
cjfa-30910	135	26	included	include	VERB
cjfa-30910	135	27	in	in	ADP
cjfa-30910	135	28	the	the	DET
cjfa-30910	135	29	options	option	NOUN
cjfa-30910	135	30	.	.	PUNCT
cjfa-30910	136	1	this	this	PRON
cjfa-30910	136	2	is	be	AUX
cjfa-30910	136	3	an	an	DET
cjfa-30910	136	4	indication	indication	NOUN
cjfa-30910	136	5	that	that	SCONJ
cjfa-30910	136	6	most	most	ADJ
cjfa-30910	136	7	of	of	ADP
cjfa-30910	136	8	the	the	DET
cjfa-30910	136	9	smeowners	smeowner	NOUN
cjfa-30910	136	10	/	/	SYM
cjfa-30910	136	11	managers	manager	NOUN
cjfa-30910	136	12	in	in	ADP
cjfa-30910	136	13	the	the	DET
cjfa-30910	136	14	study	study	NOUN
cjfa-30910	136	15	area	area	NOUN
cjfa-30910	136	16	are	be	AUX
cjfa-30910	136	17	literate	literate	ADJ
cjfa-30910	136	18	and	and	CCONJ
cjfa-30910	136	19	are	be	AUX
cjfa-30910	136	20	able	able	ADJ
cjfa-30910	136	21	to	to	PART
cjfa-30910	136	22	comprehend	comprehend	VERB
cjfa-30910	136	23	the	the	DET
cjfa-30910	136	24	bank	bank	NOUN
cjfa-30910	136	25	credit	credit	NOUN
cjfa-30910	136	26	accessibility	accessibility	NOUN
cjfa-30910	136	27	and	and	CCONJ
cjfa-30910	136	28	performance	performance	NOUN
cjfa-30910	136	29	…	…	PUNCT
cjfa-30910	136	30	55	55	NUM
cjfa-30910	136	31	instrument	instrument	NOUN
cjfa-30910	136	32	administered	administer	VERB
cjfa-30910	136	33	.	.	PUNCT
cjfa-30910	137	1	the	the	DET
cjfa-30910	137	2	table	table	NOUN
cjfa-30910	137	3	also	also	ADV
cjfa-30910	137	4	shows	show	VERB
cjfa-30910	137	5	that	that	SCONJ
cjfa-30910	137	6	most	most	ADJ
cjfa-30910	137	7	of	of	ADP
cjfa-30910	137	8	the	the	DET
cjfa-30910	137	9	respondents	respondent	NOUN
cjfa-30910	137	10	are	be	AUX
cjfa-30910	137	11	business	business	NOUN
cjfa-30910	137	12	owners	owner	NOUN
cjfa-30910	137	13	representing	represent	VERB
cjfa-30910	137	14	72.24	72.24	NUM
cjfa-30910	137	15	%	%	NOUN
cjfa-30910	137	16	and	and	CCONJ
cjfa-30910	137	17	they	they	PRON
cjfa-30910	137	18	have	have	VERB
cjfa-30910	137	19	requisite	requisite	ADJ
cjfa-30910	137	20	experience	experience	NOUN
cjfa-30910	137	21	spanning	span	VERB
cjfa-30910	137	22	6	6	NUM
cjfa-30910	137	23	to	to	PART
cjfa-30910	137	24	10	10	NUM
cjfa-30910	137	25	years	year	NOUN
cjfa-30910	137	26	on	on	ADP
cjfa-30910	137	27	the	the	DET
cjfa-30910	137	28	average	average	ADJ
cjfa-30910	137	29	.	.	PUNCT
cjfa-30910	138	1	normality	normality	NOUN
cjfa-30910	138	2	test	test	NOUN
cjfa-30910	138	3	normality	normality	NOUN
cjfa-30910	138	4	test	test	NOUN
cjfa-30910	138	5	was	be	AUX
cjfa-30910	138	6	carried	carry	VERB
cjfa-30910	138	7	out	out	ADP
cjfa-30910	138	8	on	on	ADP
cjfa-30910	138	9	the	the	DET
cjfa-30910	138	10	basis	basis	NOUN
cjfa-30910	138	11	of	of	ADP
cjfa-30910	138	12	individual	individual	ADJ
cjfa-30910	138	13	items	item	NOUN
cjfa-30910	138	14	measuring	measure	VERB
cjfa-30910	138	15	the	the	DET
cjfa-30910	138	16	constructs	construct	NOUN
cjfa-30910	138	17	in	in	ADP
cjfa-30910	138	18	the	the	DET
cjfa-30910	138	19	study	study	NOUN
cjfa-30910	138	20	.	.	PUNCT
cjfa-30910	139	1	the	the	DET
cjfa-30910	139	2	study	study	NOUN
cjfa-30910	139	3	utilized	utilize	VERB
cjfa-30910	139	4	skewness	skewness	NOUN
cjfa-30910	139	5	and	and	CCONJ
cjfa-30910	139	6	kurtosis	kurtosis	VERB
cjfa-30910	139	7	statistics	statistic	NOUN
cjfa-30910	139	8	to	to	PART
cjfa-30910	139	9	assess	assess	VERB
cjfa-30910	139	10	the	the	DET
cjfa-30910	139	11	normality	normality	NOUN
cjfa-30910	139	12	.	.	PUNCT
cjfa-30910	140	1	critical	critical	ADJ
cjfa-30910	140	2	value	value	NOUN
cjfa-30910	140	3	of	of	ADP
cjfa-30910	140	4	+2.58	+2.58	PROPN
cjfa-30910	140	5	(	(	PUNCT
cjfa-30910	140	6	.01	.01	NUM
cjfa-30910	140	7	sig	sig	NOUN
cjfa-30910	140	8	level	level	NOUN
cjfa-30910	140	9	)	)	PUNCT
cjfa-30910	140	10	and	and	CCONJ
cjfa-30910	140	11	+1.96	+1.96	PRON
cjfa-30910	140	12	(	(	PUNCT
cjfa-30910	140	13	@	@	NUM
cjfa-30910	140	14	.05	.05	NUM
cjfa-30910	140	15	sig	sig	NOUN
cjfa-30910	140	16	level	level	NOUN
cjfa-30910	140	17	)	)	PUNCT
cjfa-30910	140	18	are	be	AUX
cjfa-30910	140	19	benchmark	benchmark	ADJ
cjfa-30910	140	20	.	.	PUNCT
cjfa-30910	141	1	the	the	DET
cjfa-30910	141	2	result	result	NOUN
cjfa-30910	141	3	of	of	ADP
cjfa-30910	141	4	this	this	DET
cjfa-30910	141	5	test	test	NOUN
cjfa-30910	141	6	showed	show	VERB
cjfa-30910	141	7	that	that	SCONJ
cjfa-30910	141	8	all	all	DET
cjfa-30910	141	9	items	item	NOUN
cjfa-30910	141	10	are	be	AUX
cjfa-30910	141	11	relatively	relatively	ADV
cjfa-30910	141	12	normal	normal	ADJ
cjfa-30910	141	13	as	as	SCONJ
cjfa-30910	141	14	shown	show	VERB
cjfa-30910	141	15	in	in	ADP
cjfa-30910	141	16	figure1	figure1	PROPN
cjfa-30910	141	17	below	below	ADV
cjfa-30910	141	18	:	:	PUNCT
cjfa-30910	141	19	figure	figure	VERB
cjfa-30910	141	20	1	1	NUM
cjfa-30910	141	21	.	.	X
cjfa-30910	141	22	normal	normal	ADJ
cjfa-30910	141	23	probability	probability	NOUN
cjfa-30910	141	24	plot	plot	NOUN
cjfa-30910	141	25	s	s	PART
cjfa-30910	141	26	o	o	NOUN
cjfa-30910	141	27	u	u	NOUN
cjfa-30910	141	28	r	r	NOUN
cjfa-30910	141	29	c	c	NOUN
cjfa-30910	141	30	e	e	NOUN
cjfa-30910	141	31	:	:	PUNCT
cjfa-30910	141	32	authors	author	NOUN
cjfa-30910	141	33	’	'	PUNCT
cjfa-30910	141	34	computation	computation	NOUN
cjfa-30910	141	35	,	,	PUNCT
cjfa-30910	141	36	2019	2019	NUM
cjfa-30910	141	37	.	.	PUNCT
cjfa-30910	142	1	mubaraq	mubaraq	PROPN
cjfa-30910	142	2	sanni	sanni	PROPN
cjfa-30910	142	3	,	,	PUNCT
cjfa-30910	142	4	lukman	lukman	PROPN
cjfa-30910	142	5	adebayo	adebayo	PROPN
cjfa-30910	142	6	oke	oke	PROPN
cjfa-30910	142	7	,	,	PUNCT
cjfa-30910	142	8	idayat	idayat	PROPN
cjfa-30910	142	9	titilayo	titilayo	PROPN
cjfa-30910	142	10	alayande56	alayande56	ADV
cjfa-30910	142	11	table	table	NOUN
cjfa-30910	142	12	2	2	NUM
cjfa-30910	142	13	.	.	PUNCT
cjfa-30910	142	14	construct	construct	VERB
cjfa-30910	142	15	reliability	reliability	NOUN
cjfa-30910	142	16	and	and	CCONJ
cjfa-30910	142	17	validity	validity	NOUN
cjfa-30910	142	18	access	access	NOUN
cjfa-30910	142	19	to	to	ADP
cjfa-30910	142	20	credit	credit	NOUN
cjfa-30910	142	21	interest	interest	NOUN
cjfa-30910	142	22	rate	rate	NOUN
cjfa-30910	142	23	smes	smes	PROPN
cjfa-30910	142	24	performance	performance	NOUN
cjfa-30910	142	25	a.c1	a.c1	ADV
cjfa-30910	142	26	0.771864	0.771864	NUM
cjfa-30910	142	27	a.c2	a.c2	NOUN
cjfa-30910	142	28	0.779573	0.779573	NUM
cjfa-30910	142	29	a.c3	a.c3	NOUN
cjfa-30910	142	30	0.727216	0.727216	NUM
cjfa-30910	142	31	a.c4	a.c4	NUM
cjfa-30910	142	32	0.764385	0.764385	NUM
cjfa-30910	142	33	c.r1	c.r1	NOUN
cjfa-30910	142	34	0.778904	0.778904	NUM
cjfa-30910	142	35	c.r2	c.r2	NUM
cjfa-30910	142	36	0.725679	0.725679	NUM
cjfa-30910	142	37	c.r3	c.r3	NOUN
cjfa-30910	142	38	0.822812	0.822812	NUM
cjfa-30910	142	39	c.r4	c.r4	VERB
cjfa-30910	142	40	0.763748	0.763748	NUM
cjfa-30910	142	41	smes1	smes1	NOUN
cjfa-30910	142	42	0.755584	0.755584	NUM
cjfa-30910	142	43	smes2	smes2	NOUN
cjfa-30910	142	44	0.806723	0.806723	NUM
cjfa-30910	142	45	smes3	smes3	NOUN
cjfa-30910	142	46	0.782878	0.782878	NUM
cjfa-30910	142	47	smes4	smes4	NOUN
cjfa-30910	142	48	0.813255	0.813255	NUM
cjfa-30910	142	49	s	s	NOUN
cjfa-30910	142	50	o	o	NOUN
cjfa-30910	142	51	u	u	NOUN
cjfa-30910	142	52	r	r	NOUN
cjfa-30910	142	53	c	c	NOUN
cjfa-30910	142	54	e	e	NOUN
cjfa-30910	142	55	:	:	PUNCT
cjfa-30910	142	56	authors	author	NOUN
cjfa-30910	142	57	’	'	PUNCT
cjfa-30910	142	58	computation	computation	NOUN
cjfa-30910	142	59	(	(	PUNCT
cjfa-30910	142	60	2019	2019	NUM
cjfa-30910	142	61	)	)	PUNCT
cjfa-30910	142	62	using	use	VERB
cjfa-30910	142	63	smartpls2	smartpls2	PROPN
cjfa-30910	142	64	.	.	PUNCT
cjfa-30910	142	65	table	table	NOUN
cjfa-30910	142	66	2	2	NUM
cjfa-30910	142	67	depicts	depict	VERB
cjfa-30910	142	68	how	how	SCONJ
cjfa-30910	142	69	well	well	ADV
cjfa-30910	142	70	items	item	NOUN
cjfa-30910	142	71	measuring	measure	VERB
cjfa-30910	142	72	each	each	PRON
cjfa-30910	142	73	of	of	ADP
cjfa-30910	142	74	the	the	DET
cjfa-30910	142	75	study	study	NOUN
cjfa-30910	142	76	variables	variable	NOUN
cjfa-30910	142	77	loaded	load	VERB
cjfa-30910	142	78	to	to	PART
cjfa-30910	142	79	determine	determine	VERB
cjfa-30910	142	80	their	their	PRON
cjfa-30910	142	81	retention	retention	NOUN
cjfa-30910	142	82	or	or	CCONJ
cjfa-30910	142	83	otherwise	otherwise	ADV
cjfa-30910	142	84	.	.	PUNCT
cjfa-30910	143	1	on	on	ADP
cjfa-30910	143	2	the	the	DET
cjfa-30910	143	3	table	table	NOUN
cjfa-30910	143	4	,	,	PUNCT
cjfa-30910	143	5	items	item	NOUN
cjfa-30910	143	6	measuring	measure	VERB
cjfa-30910	143	7	access	access	NOUN
cjfa-30910	143	8	to	to	ADP
cjfa-30910	143	9	credit	credit	NOUN
cjfa-30910	143	10	,	,	PUNCT
cjfa-30910	143	11	credit	credit	NOUN
cjfa-30910	143	12	related	relate	VERB
cjfa-30910	143	13	charges	charge	NOUN
cjfa-30910	143	14	(	(	PUNCT
cjfa-30910	143	15	interest	interest	NOUN
cjfa-30910	143	16	rate	rate	NOUN
cjfa-30910	143	17	)	)	PUNCT
cjfa-30910	143	18	and	and	CCONJ
cjfa-30910	143	19	smes	sme	NOUN
cjfa-30910	143	20	performance	performance	NOUN
cjfa-30910	143	21	loaded	load	VERB
cjfa-30910	143	22	well	well	ADV
cjfa-30910	143	23	,	,	PUNCT
cjfa-30910	143	24	as	as	SCONJ
cjfa-30910	143	25	they	they	PRON
cjfa-30910	143	26	loaded	load	VERB
cjfa-30910	143	27	above	above	ADP
cjfa-30910	143	28	0.7	0.7	NUM
cjfa-30910	143	29	hence	hence	ADV
cjfa-30910	143	30	,	,	PUNCT
cjfa-30910	143	31	all	all	DET
cjfa-30910	143	32	items	item	NOUN
cjfa-30910	143	33	were	be	AUX
cjfa-30910	143	34	retained	retain	VERB
cjfa-30910	143	35	and	and	CCONJ
cjfa-30910	143	36	used	use	VERB
cjfa-30910	143	37	to	to	PART
cjfa-30910	143	38	measure	measure	VERB
cjfa-30910	143	39	the	the	DET
cjfa-30910	143	40	study	study	NOUN
cjfa-30910	143	41	variables	variable	NOUN
cjfa-30910	143	42	.	.	PUNCT
cjfa-30910	144	1	table	table	NOUN
cjfa-30910	144	2	3	3	NUM
cjfa-30910	144	3	.	.	X
cjfa-30910	144	4	construct	construct	VERB
cjfa-30910	144	5	overview	overview	NOUN
cjfa-30910	144	6	of	of	ADP
cjfa-30910	144	7	the	the	DET
cjfa-30910	144	8	model	model	NOUN
cjfa-30910	144	9	ave	ave	PROPN
cjfa-30910	144	10	composite	composite	ADJ
cjfa-30910	144	11	reliability	reliability	NOUN
cjfa-30910	144	12	cronbachs	cronbach	NOUN
cjfa-30910	144	13	alpha	alpha	NOUN
cjfa-30910	144	14	access	access	NOUN
cjfa-30910	144	15	to	to	ADP
cjfa-30910	144	16	credit	credit	NOUN
cjfa-30910	144	17	0.579159	0.579159	NUM
cjfa-30910	144	18	0.846176	0.846176	NUM
cjfa-30910	144	19	0.758255	0.758255	NUM
cjfa-30910	144	20	interest	interest	NOUN
cjfa-30910	144	21	rate	rate	NOUN
cjfa-30910	144	22	0.598408	0.598408	NUM
cjfa-30910	144	23	0.856080	0.856080	NUM
cjfa-30910	144	24	0.775749	0.775749	NUM
cjfa-30910	144	25	smes	sme	NOUN
cjfa-30910	144	26	performance	performance	NOUN
cjfa-30910	144	27	0.623998	0.623998	NUM
cjfa-30910	145	1	0.868986	0.868986	NUM
cjfa-30910	145	2	0.799465	0.799465	NUM
cjfa-30910	145	3	s	s	NOUN
cjfa-30910	145	4	o	o	NOUN
cjfa-30910	145	5	u	u	NOUN
cjfa-30910	145	6	r	r	NOUN
cjfa-30910	145	7	c	c	NOUN
cjfa-30910	145	8	e	e	NOUN
cjfa-30910	145	9	:	:	PUNCT
cjfa-30910	145	10	authors	author	NOUN
cjfa-30910	145	11	’	'	PUNCT
cjfa-30910	145	12	computation	computation	NOUN
cjfa-30910	145	13	(	(	PUNCT
cjfa-30910	145	14	2019	2019	NUM
cjfa-30910	145	15	)	)	PUNCT
cjfa-30910	145	16	using	use	VERB
cjfa-30910	145	17	smartpls2	smartpls2	PROPN
cjfa-30910	145	18	.	.	PUNCT
cjfa-30910	146	1	bank	bank	NOUN
cjfa-30910	146	2	credit	credit	NOUN
cjfa-30910	146	3	accessibility	accessibility	NOUN
cjfa-30910	146	4	and	and	CCONJ
cjfa-30910	146	5	performance	performance	NOUN
cjfa-30910	146	6	…	…	PUNCT
cjfa-30910	146	7	57	57	NUM
cjfa-30910	146	8	likewise	likewise	ADV
cjfa-30910	146	9	,	,	PUNCT
cjfa-30910	146	10	as	as	SCONJ
cjfa-30910	146	11	depicted	depict	VERB
cjfa-30910	146	12	by	by	ADP
cjfa-30910	146	13	table	table	NOUN
cjfa-30910	146	14	3	3	NUM
cjfa-30910	146	15	,	,	PUNCT
cjfa-30910	146	16	all	all	PRON
cjfa-30910	146	17	construct	construct	VERB
cjfa-30910	146	18	met	meet	VERB
cjfa-30910	146	19	the	the	DET
cjfa-30910	146	20	minimum	minimum	ADJ
cjfa-30910	146	21	benchmark	benchmark	NOUN
cjfa-30910	146	22	for	for	ADP
cjfa-30910	146	23	both	both	DET
cjfa-30910	146	24	composite	composite	ADJ
cjfa-30910	146	25	reliability	reliability	NOUN
cjfa-30910	146	26	and	and	CCONJ
cjfa-30910	146	27	ave	ave	NOUN
cjfa-30910	146	28	which	which	PRON
cjfa-30910	146	29	is	be	AUX
cjfa-30910	146	30	0.7	0.7	NUM
cjfa-30910	146	31	and	and	CCONJ
cjfa-30910	146	32	0.5	0.5	NUM
cjfa-30910	146	33	respectively	respectively	ADV
cjfa-30910	146	34	.	.	PUNCT
cjfa-30910	147	1	the	the	DET
cjfa-30910	147	2	cronbachs	cronbachs	PROPN
cjfa-30910	147	3	alpha	alpha	PROPN
cjfa-30910	147	4	statistics	statistic	NOUN
cjfa-30910	147	5	for	for	ADP
cjfa-30910	147	6	all	all	DET
cjfa-30910	147	7	the	the	DET
cjfa-30910	147	8	variables	variable	NOUN
cjfa-30910	147	9	are	be	AUX
cjfa-30910	147	10	above	above	ADP
cjfa-30910	147	11	0.7	0.7	NUM
cjfa-30910	147	12	indicating	indicate	VERB
cjfa-30910	147	13	internal	internal	ADJ
cjfa-30910	147	14	consistency	consistency	NOUN
cjfa-30910	147	15	among	among	ADP
cjfa-30910	147	16	the	the	DET
cjfa-30910	147	17	statements	statement	NOUN
cjfa-30910	147	18	measuring	measure	VERB
cjfa-30910	147	19	each	each	PRON
cjfa-30910	147	20	of	of	ADP
cjfa-30910	147	21	the	the	DET
cjfa-30910	147	22	constructs	construct	NOUN
cjfa-30910	147	23	.	.	PUNCT
cjfa-30910	148	1	table	table	NOUN
cjfa-30910	148	2	4	4	NUM
cjfa-30910	148	3	.	.	PUNCT
cjfa-30910	148	4	fornell	fornell	NOUN
cjfa-30910	148	5	-	-	PUNCT
cjfa-30910	148	6	larcker	larcker	NOUN
cjfa-30910	148	7	discriminant	discriminant	ADJ
cjfa-30910	148	8	validity	validity	NOUN
cjfa-30910	148	9	test	test	NOUN
cjfa-30910	148	10	access	access	NOUN
cjfa-30910	148	11	to	to	ADP
cjfa-30910	148	12	credit	credit	NOUN
cjfa-30910	148	13	interest	interest	NOUN
cjfa-30910	148	14	rate	rate	NOUN
cjfa-30910	148	15	smes	smes	PROPN
cjfa-30910	148	16	performance	performance	NOUN
cjfa-30910	148	17	access	access	NOUN
cjfa-30910	148	18	to	to	ADP
cjfa-30910	148	19	credit	credit	NOUN
cjfa-30910	148	20	0.761025	0.761025	NUM
cjfa-30910	148	21	interest	interest	NOUN
cjfa-30910	148	22	rate	rate	NOUN
cjfa-30910	148	23	0.565012	0.565012	NUM
cjfa-30910	148	24	0.773568	0.773568	NUM
cjfa-30910	148	25	smes	sme	NOUN
cjfa-30910	148	26	performance	performance	NOUN
cjfa-30910	148	27	0.689090	0.689090	NUM
cjfa-30910	148	28	0.701083	0.701083	NUM
cjfa-30910	149	1	0.789935	0.789935	NUM
cjfa-30910	149	2	s	s	NOUN
cjfa-30910	149	3	o	o	NOUN
cjfa-30910	149	4	u	u	NOUN
cjfa-30910	149	5	r	r	NOUN
cjfa-30910	149	6	c	c	NOUN
cjfa-30910	149	7	e	e	NOUN
cjfa-30910	149	8	:	:	PUNCT
cjfa-30910	149	9	authors	author	NOUN
cjfa-30910	149	10	computation	computation	NOUN
cjfa-30910	149	11	(	(	PUNCT
cjfa-30910	149	12	2019	2019	NUM
cjfa-30910	149	13	)	)	PUNCT
cjfa-30910	149	14	using	use	VERB
cjfa-30910	149	15	smartpls2	smartpls2	PROPN
cjfa-30910	149	16	.	.	PUNCT
cjfa-30910	149	17	table	table	NOUN
cjfa-30910	149	18	4	4	NUM
cjfa-30910	149	19	shows	show	VERB
cjfa-30910	149	20	the	the	DET
cjfa-30910	149	21	discriminant	discriminant	ADJ
cjfa-30910	149	22	validity	validity	NOUN
cjfa-30910	149	23	result	result	VERB
cjfa-30910	149	24	.	.	PUNCT
cjfa-30910	150	1	the	the	DET
cjfa-30910	150	2	square	square	ADJ
cjfa-30910	150	3	root	root	NOUN
cjfa-30910	150	4	of	of	ADP
cjfa-30910	150	5	ave	ave	NOUN
cjfa-30910	150	6	in	in	ADP
cjfa-30910	150	7	each	each	DET
cjfa-30910	150	8	latent	latent	NOUN
cjfa-30910	150	9	variable	variable	NOUN
cjfa-30910	150	10	was	be	AUX
cjfa-30910	150	11	used	use	VERB
cjfa-30910	150	12	to	to	PART
cjfa-30910	150	13	establish	establish	VERB
cjfa-30910	150	14	discriminant	discriminant	ADJ
cjfa-30910	150	15	validity	validity	NOUN
cjfa-30910	150	16	;	;	PUNCT
cjfa-30910	150	17	if	if	SCONJ
cjfa-30910	150	18	this	this	DET
cjfa-30910	150	19	value	value	NOUN
cjfa-30910	150	20	is	be	AUX
cjfa-30910	150	21	larger	large	ADJ
cjfa-30910	150	22	than	than	ADP
cjfa-30910	150	23	other	other	ADJ
cjfa-30910	150	24	correlation	correlation	NOUN
cjfa-30910	150	25	values	value	NOUN
cjfa-30910	150	26	among	among	ADP
cjfa-30910	150	27	the	the	DET
cjfa-30910	150	28	latent	latent	NOUN
cjfa-30910	150	29	variables	variable	NOUN
cjfa-30910	150	30	then	then	ADV
cjfa-30910	150	31	discriminant	discriminant	ADJ
cjfa-30910	150	32	validity	validity	NOUN
cjfa-30910	150	33	is	be	AUX
cjfa-30910	150	34	well	well	ADV
cjfa-30910	150	35	established	establish	VERB
cjfa-30910	150	36	(	(	PUNCT
cjfa-30910	150	37	fornell	fornell	PROPN
cjfa-30910	150	38	&	&	CCONJ
cjfa-30910	150	39	larcker	larcker	PROPN
cjfa-30910	150	40	,	,	PUNCT
cjfa-30910	150	41	1981	1981	NUM
cjfa-30910	150	42	)	)	PUNCT
cjfa-30910	150	43	.	.	PUNCT
cjfa-30910	151	1	this	this	DET
cjfa-30910	151	2	number	number	NOUN
cjfa-30910	151	3	is	be	AUX
cjfa-30910	151	4	larger	large	ADJ
cjfa-30910	151	5	than	than	ADP
cjfa-30910	151	6	the	the	DET
cjfa-30910	151	7	correlation	correlation	NOUN
cjfa-30910	151	8	values	value	NOUN
cjfa-30910	151	9	in	in	ADP
cjfa-30910	151	10	the	the	DET
cjfa-30910	151	11	column	column	NOUN
cjfa-30910	151	12	and	and	CCONJ
cjfa-30910	151	13	row	row	NOUN
cjfa-30910	151	14	,	,	PUNCT
cjfa-30910	151	15	thus	thus	ADV
cjfa-30910	151	16	result	result	VERB
cjfa-30910	151	17	indicates	indicate	VERB
cjfa-30910	151	18	that	that	SCONJ
cjfa-30910	151	19	discriminant	discriminant	ADJ
cjfa-30910	151	20	validity	validity	NOUN
cjfa-30910	151	21	is	be	AUX
cjfa-30910	151	22	well	well	ADV
cjfa-30910	151	23	established	establish	VERB
cjfa-30910	151	24	.	.	PUNCT
cjfa-30910	152	1	table	table	NOUN
cjfa-30910	152	2	5	5	NUM
cjfa-30910	152	3	.	.	PUNCT
cjfa-30910	152	4	path	path	NOUN
cjfa-30910	152	5	coefficients	coefficient	NOUN
cjfa-30910	152	6	and	and	CCONJ
cjfa-30910	152	7	hypotheses	hypothesis	NOUN
cjfa-30910	152	8	testing	test	VERB
cjfa-30910	152	9	hypotheses	hypothesis	NOUN
cjfa-30910	152	10	(	(	PUNCT
cjfa-30910	152	11	adj.r2	adj.r2	NOUN
cjfa-30910	152	12	0.618	0.618	NUM
cjfa-30910	152	13	)	)	PUNCT
cjfa-30910	152	14	b	b	NOUN
cjfa-30910	152	15	value	value	NOUN
cjfa-30910	152	16	standard	standard	NOUN
cjfa-30910	152	17	error	error	NOUN
cjfa-30910	152	18	t	t	NOUN
cjfa-30910	152	19	statistics	statistic	NOUN
cjfa-30910	152	20	p	p	NOUN
cjfa-30910	152	21	value	value	NOUN
cjfa-30910	152	22	decision	decision	NOUN
cjfa-30910	152	23	access	access	NOUN
cjfa-30910	152	24	to	to	ADP
cjfa-30910	152	25	credit	credit	NOUN
cjfa-30910	152	26	-	-	PUNCT
cjfa-30910	152	27	>	>	X
cjfa-30910	152	28	smes	smes	PROPN
cjfa-30910	152	29	performance	performance	NOUN
cjfa-30910	152	30	0.430356	0.430356	NUM
cjfa-30910	152	31	0.039866	0.039866	NUM
cjfa-30910	152	32	10.795074	10.795074	NUM
cjfa-30910	152	33	0.000	0.000	NUM
cjfa-30910	152	34	*	*	PUNCT
cjfa-30910	152	35	*	*	PUNCT
cjfa-30910	152	36	*	*	PUNCT
cjfa-30910	152	37	rejected	reject	VERB
cjfa-30910	152	38	credit	credit	NOUN
cjfa-30910	152	39	related	relate	VERB
cjfa-30910	152	40	charges	charge	NOUN
cjfa-30910	152	41	(	(	PUNCT
cjfa-30910	152	42	interest	interest	NOUN
cjfa-30910	152	43	rate	rate	NOUN
cjfa-30910	152	44	)	)	PUNCT
cjfa-30910	152	45	-	-	PUNCT
cjfa-30910	152	46	>	>	X
cjfa-30910	152	47	smes	sme	NOUN
cjfa-30910	152	48	performance	performance	NOUN
cjfa-30910	152	49	0.457927	0.457927	NUM
cjfa-30910	152	50	0.042837	0.042837	NUM
cjfa-30910	152	51	10.689924	10.689924	NUM
cjfa-30910	152	52	0.000	0.000	NUM
cjfa-30910	152	53	*	*	PUNCT
cjfa-30910	152	54	*	*	PUNCT
cjfa-30910	152	55	*	*	PUNCT
cjfa-30910	152	56	rejected	reject	VERB
cjfa-30910	152	57	value	value	NOUN
cjfa-30910	152	58	*	*	PUNCT
cjfa-30910	152	59	*	*	PUNCT
cjfa-30910	152	60	*	*	PUNCT
cjfa-30910	152	61	<	<	X
cjfa-30910	152	62	0.01	0.01	NUM
cjfa-30910	152	63	,	,	PUNCT
cjfa-30910	152	64	p	p	NOUN
cjfa-30910	152	65	value	value	NOUN
cjfa-30910	152	66	*	*	PUNCT
cjfa-30910	152	67	*	*	PUNCT
cjfa-30910	152	68	<	<	X
cjfa-30910	152	69	0.05	0.05	NUM
cjfa-30910	152	70	,	,	PUNCT
cjfa-30910	152	71	p	p	NOUN
cjfa-30910	152	72	value	value	NOUN
cjfa-30910	152	73	*	*	PUNCT
cjfa-30910	152	74	<	<	X
cjfa-30910	152	75	0.10	0.10	NUM
cjfa-30910	152	76	.	.	PUNCT
cjfa-30910	153	1	s	s	PART
cjfa-30910	153	2	o	o	X
cjfa-30910	153	3	u	u	NOUN
cjfa-30910	153	4	r	r	NOUN
cjfa-30910	153	5	c	c	NOUN
cjfa-30910	153	6	e	e	NOUN
cjfa-30910	153	7	:	:	PUNCT
cjfa-30910	153	8	authors	author	NOUN
cjfa-30910	153	9	computation	computation	NOUN
cjfa-30910	153	10	(	(	PUNCT
cjfa-30910	153	11	2019	2019	NUM
cjfa-30910	153	12	)	)	PUNCT
cjfa-30910	153	13	using	use	VERB
cjfa-30910	153	14	smartpls2	smartpls2	PROPN
cjfa-30910	153	15	.	.	PUNCT
cjfa-30910	154	1	the	the	DET
cjfa-30910	154	2	result	result	NOUN
cjfa-30910	154	3	in	in	ADP
cjfa-30910	154	4	table	table	NOUN
cjfa-30910	154	5	5	5	NUM
cjfa-30910	154	6	shows	show	VERB
cjfa-30910	154	7	the	the	DET
cjfa-30910	154	8	relationship	relationship	NOUN
cjfa-30910	154	9	between	between	ADP
cjfa-30910	154	10	dmbs	dmb	NOUN
cjfa-30910	154	11	credit	credit	NOUN
cjfa-30910	154	12	access	access	NOUN
cjfa-30910	154	13	and	and	CCONJ
cjfa-30910	154	14	smes	sme	NOUN
cjfa-30910	154	15	performance	performance	NOUN
cjfa-30910	154	16	.	.	PUNCT
cjfa-30910	155	1	the	the	DET
cjfa-30910	155	2	r2	r2	PROPN
cjfa-30910	155	3	value	value	NOUN
cjfa-30910	155	4	represents	represent	VERB
cjfa-30910	155	5	the	the	DET
cjfa-30910	155	6	proportion	proportion	NOUN
cjfa-30910	155	7	of	of	ADP
cjfa-30910	155	8	variation	variation	NOUN
cjfa-30910	155	9	in	in	ADP
cjfa-30910	155	10	the	the	DET
cjfa-30910	155	11	dependent	dependent	ADJ
cjfa-30910	155	12	variable	variable	NOUN
cjfa-30910	155	13	that	that	PRON
cjfa-30910	155	14	can	can	AUX
cjfa-30910	155	15	be	be	AUX
cjfa-30910	155	16	explained	explain	VERB
cjfa-30910	155	17	by	by	ADP
cjfa-30910	155	18	one	one	NUM
cjfa-30910	155	19	or	or	CCONJ
cjfa-30910	155	20	more	more	ADJ
cjfa-30910	155	21	predictor	predictor	NOUN
cjfa-30910	155	22	variables	variable	NOUN
cjfa-30910	155	23	.	.	PUNCT
cjfa-30910	156	1	mubaraq	mubaraq	PROPN
cjfa-30910	156	2	sanni	sanni	PROPN
cjfa-30910	156	3	,	,	PUNCT
cjfa-30910	156	4	lukman	lukman	PROPN
cjfa-30910	156	5	adebayo	adebayo	PROPN
cjfa-30910	156	6	oke	oke	PROPN
cjfa-30910	156	7	,	,	PUNCT
cjfa-30910	156	8	idayat	idayat	PROPN
cjfa-30910	156	9	titilayo	titilayo	VERB
cjfa-30910	156	10	alayande58	alayande58	ADV
cjfa-30910	156	11	as	as	SCONJ
cjfa-30910	156	12	indicated	indicate	VERB
cjfa-30910	156	13	in	in	ADP
cjfa-30910	156	14	figure	figure	NOUN
cjfa-30910	156	15	2	2	NUM
cjfa-30910	156	16	,	,	PUNCT
cjfa-30910	156	17	adjusted	adjust	VERB
cjfa-30910	156	18	r	r	NOUN
cjfa-30910	156	19	square	square	NOUN
cjfa-30910	156	20	is	be	AUX
cjfa-30910	156	21	0.618	0.618	NUM
cjfa-30910	156	22	,	,	PUNCT
cjfa-30910	156	23	implying	imply	VERB
cjfa-30910	156	24	that	that	SCONJ
cjfa-30910	156	25	61.8	61.8	NUM
cjfa-30910	156	26	%	%	NOUN
cjfa-30910	156	27	variance	variance	NOUN
cjfa-30910	156	28	in	in	ADP
cjfa-30910	156	29	smes	sme	NOUN
cjfa-30910	156	30	performance	performance	NOUN
cjfa-30910	156	31	is	be	AUX
cjfa-30910	156	32	accounted	account	VERB
cjfa-30910	156	33	for	for	ADP
cjfa-30910	156	34	by	by	ADP
cjfa-30910	156	35	access	access	NOUN
cjfa-30910	156	36	to	to	ADP
cjfa-30910	156	37	dmbs	dmb	NOUN
cjfa-30910	156	38	credit	credit	NOUN
cjfa-30910	156	39	and	and	CCONJ
cjfa-30910	156	40	dmbs	dmb	NOUN
cjfa-30910	156	41	credit	credit	NOUN
cjfa-30910	156	42	related	relate	VERB
cjfa-30910	156	43	charges	charge	NOUN
cjfa-30910	156	44	,	,	PUNCT
cjfa-30910	156	45	while	while	SCONJ
cjfa-30910	156	46	38.2	38.2	NUM
cjfa-30910	156	47	%	%	NOUN
cjfa-30910	156	48	is	be	AUX
cjfa-30910	156	49	accounted	account	VERB
cjfa-30910	156	50	for	for	ADP
cjfa-30910	156	51	by	by	ADP
cjfa-30910	156	52	other	other	ADJ
cjfa-30910	156	53	variables	variable	NOUN
cjfa-30910	156	54	that	that	PRON
cjfa-30910	156	55	can	can	AUX
cjfa-30910	156	56	equally	equally	ADV
cjfa-30910	156	57	influence	influence	VERB
cjfa-30910	156	58	smes	sme	NOUN
cjfa-30910	156	59	performance	performance	NOUN
cjfa-30910	156	60	that	that	PRON
cjfa-30910	156	61	were	be	AUX
cjfa-30910	156	62	not	not	PART
cjfa-30910	156	63	captured	capture	VERB
cjfa-30910	156	64	in	in	ADP
cjfa-30910	156	65	this	this	DET
cjfa-30910	156	66	study	study	NOUN
cjfa-30910	156	67	.	.	PUNCT
cjfa-30910	157	1	figure	figure	NOUN
cjfa-30910	157	2	2	2	NUM
cjfa-30910	157	3	.	.	PUNCT
cjfa-30910	157	4	construct	construct	VERB
cjfa-30910	157	5	reliability	reliability	NOUN
cjfa-30910	157	6	and	and	CCONJ
cjfa-30910	157	7	validity	validity	NOUN
cjfa-30910	157	8	s	s	PART
cjfa-30910	157	9	o	o	NOUN
cjfa-30910	157	10	u	u	NOUN
cjfa-30910	157	11	r	r	NOUN
cjfa-30910	157	12	c	c	NOUN
cjfa-30910	157	13	e	e	NOUN
cjfa-30910	157	14	:	:	PUNCT
cjfa-30910	157	15	authors	author	NOUN
cjfa-30910	157	16	’	'	PUNCT
cjfa-30910	157	17	computation	computation	NOUN
cjfa-30910	157	18	(	(	PUNCT
cjfa-30910	157	19	2019	2019	NUM
cjfa-30910	157	20	)	)	PUNCT
cjfa-30910	157	21	using	use	VERB
cjfa-30910	157	22	smartpls2	smartpls2	PROPN
cjfa-30910	157	23	.	.	PUNCT
cjfa-30910	158	1	as	as	SCONJ
cjfa-30910	158	2	shown	show	VERB
cjfa-30910	158	3	in	in	ADP
cjfa-30910	158	4	table	table	NOUN
cjfa-30910	158	5	5	5	NUM
cjfa-30910	158	6	above	above	ADV
cjfa-30910	158	7	,	,	PUNCT
cjfa-30910	158	8	access	access	NOUN
cjfa-30910	158	9	to	to	ADP
cjfa-30910	158	10	credit	credit	NOUN
cjfa-30910	158	11	has	have	VERB
cjfa-30910	158	12	a	a	DET
cjfa-30910	158	13	positive	positive	ADJ
cjfa-30910	158	14	significant	significant	ADJ
cjfa-30910	158	15	effect	effect	NOUN
cjfa-30910	158	16	on	on	ADP
cjfa-30910	158	17	smes	sme	NOUN
cjfa-30910	158	18	performance	performance	NOUN
cjfa-30910	158	19	as	as	SCONJ
cjfa-30910	158	20	indicated	indicate	VERB
cjfa-30910	158	21	by	by	ADP
cjfa-30910	158	22	(	(	PUNCT
cjfa-30910	158	23	t	t	NOUN
cjfa-30910	158	24	=	=	SYM
cjfa-30910	158	25	10.795	10.795	NUM
cjfa-30910	158	26	,	,	PUNCT
cjfa-30910	158	27	p	p	NOUN
cjfa-30910	158	28	-	-	PUNCT
cjfa-30910	158	29	value	value	NOUN
cjfa-30910	158	30	0.000	0.000	NUM
cjfa-30910	158	31	)	)	PUNCT
cjfa-30910	158	32	at	at	ADP
cjfa-30910	158	33	0.05	0.05	NUM
cjfa-30910	158	34	level	level	NOUN
cjfa-30910	158	35	of	of	ADP
cjfa-30910	158	36	significance	significance	NOUN
cjfa-30910	158	37	with	with	ADP
cjfa-30910	158	38	a	a	DET
cjfa-30910	158	39	beta	beta	ADJ
cjfa-30910	158	40	value	value	NOUN
cjfa-30910	158	41	of	of	ADP
cjfa-30910	158	42	0.430	0.430	NUM
cjfa-30910	158	43	,	,	PUNCT
cjfa-30910	158	44	thereby	thereby	ADV
cjfa-30910	158	45	providing	provide	VERB
cjfa-30910	158	46	a	a	DET
cjfa-30910	158	47	basis	basis	NOUN
cjfa-30910	158	48	to	to	PART
cjfa-30910	158	49	reject	reject	VERB
cjfa-30910	158	50	the	the	DET
cjfa-30910	158	51	null	null	ADJ
cjfa-30910	158	52	hypothesis	hypothesis	NOUN
cjfa-30910	158	53	which	which	PRON
cjfa-30910	158	54	stated	state	VERB
cjfa-30910	158	55	that	that	SCONJ
cjfa-30910	158	56	access	access	NOUN
cjfa-30910	158	57	to	to	ADP
cjfa-30910	158	58	dmbs	dmb	NOUN
cjfa-30910	158	59	credit	credit	NOUN
cjfa-30910	158	60	has	have	VERB
cjfa-30910	158	61	no	no	DET
cjfa-30910	158	62	significant	significant	ADJ
cjfa-30910	158	63	effect	effect	NOUN
cjfa-30910	158	64	on	on	ADP
cjfa-30910	158	65	smes	sme	NOUN
cjfa-30910	158	66	performance	performance	NOUN
cjfa-30910	158	67	in	in	ADP
cjfa-30910	158	68	kwara	kwara	PROPN
cjfa-30910	158	69	state	state	PROPN
cjfa-30910	158	70	and	and	CCONJ
cjfa-30910	158	71	accepting	accept	VERB
cjfa-30910	158	72	the	the	DET
cjfa-30910	158	73	alternative	alternative	ADJ
cjfa-30910	158	74	hypothesis	hypothesis	NOUN
cjfa-30910	158	75	.	.	PUNCT
cjfa-30910	159	1	hence	hence	ADV
cjfa-30910	159	2	,	,	PUNCT
cjfa-30910	159	3	a	a	DET
cjfa-30910	159	4	unit	unit	NOUN
cjfa-30910	159	5	change	change	NOUN
cjfa-30910	159	6	in	in	ADP
cjfa-30910	159	7	access	access	NOUN
cjfa-30910	159	8	to	to	ADP
cjfa-30910	159	9	dmbs	dmb	NOUN
cjfa-30910	159	10	’	'	PUNCT
cjfa-30910	159	11	credit	credit	NOUN
cjfa-30910	159	12	will	will	AUX
cjfa-30910	159	13	lead	lead	VERB
cjfa-30910	159	14	to	to	ADP
cjfa-30910	159	15	0.430	0.430	NUM
cjfa-30910	159	16	unit	unit	NOUN
cjfa-30910	159	17	change	change	NOUN
cjfa-30910	159	18	in	in	ADP
cjfa-30910	159	19	smes	sme	NOUN
cjfa-30910	159	20	performance	performance	NOUN
cjfa-30910	159	21	.	.	PUNCT
cjfa-30910	160	1	this	this	DET
cjfa-30910	160	2	result	result	NOUN
cjfa-30910	160	3	implies	imply	VERB
cjfa-30910	160	4	that	that	SCONJ
cjfa-30910	160	5	access	access	NOUN
cjfa-30910	160	6	to	to	ADP
cjfa-30910	160	7	credit	credit	NOUN
cjfa-30910	160	8	play	play	VERB
cjfa-30910	160	9	an	an	DET
cjfa-30910	160	10	important	important	ADJ
cjfa-30910	160	11	role	role	NOUN
cjfa-30910	160	12	in	in	ADP
cjfa-30910	160	13	boosting	boost	VERB
cjfa-30910	160	14	the	the	DET
cjfa-30910	160	15	performance	performance	NOUN
cjfa-30910	160	16	of	of	ADP
cjfa-30910	160	17	smes	sme	NOUN
cjfa-30910	160	18	in	in	ADP
cjfa-30910	160	19	kwara	kwara	PROPN
cjfa-30910	160	20	state	state	PROPN
cjfa-30910	160	21	.	.	PUNCT
cjfa-30910	161	1	bank	bank	NOUN
cjfa-30910	161	2	credit	credit	NOUN
cjfa-30910	161	3	accessibility	accessibility	NOUN
cjfa-30910	161	4	and	and	CCONJ
cjfa-30910	161	5	performance	performance	NOUN
cjfa-30910	161	6	…	…	PUNCT
cjfa-30910	161	7	59	59	NUM
cjfa-30910	161	8	figure	figure	NOUN
cjfa-30910	161	9	3	3	NUM
cjfa-30910	161	10	.	.	PUNCT
cjfa-30910	161	11	model	model	NOUN
cjfa-30910	161	12	of	of	ADP
cjfa-30910	161	13	deposit	deposit	NOUN
cjfa-30910	161	14	money	money	NOUN
cjfa-30910	161	15	banks	bank	NOUN
cjfa-30910	161	16	’	'	PUNCT
cjfa-30910	161	17	credit	credit	NOUN
cjfa-30910	161	18	accessibility	accessibility	NOUN
cjfa-30910	161	19	and	and	CCONJ
cjfa-30910	161	20	performance	performance	NOUN
cjfa-30910	161	21	of	of	ADP
cjfa-30910	161	22	smes	sme	NOUN
cjfa-30910	161	23	bootstrapping	bootstrappe	VERB
cjfa-30910	161	24	s	s	PART
cjfa-30910	161	25	o	o	NOUN
cjfa-30910	161	26	u	u	NOUN
cjfa-30910	161	27	r	r	NOUN
cjfa-30910	161	28	c	c	NOUN
cjfa-30910	161	29	e	e	NOUN
cjfa-30910	161	30	:	:	PUNCT
cjfa-30910	161	31	authors	author	NOUN
cjfa-30910	161	32	’	'	PUNCT
cjfa-30910	161	33	computation	computation	NOUN
cjfa-30910	161	34	(	(	PUNCT
cjfa-30910	161	35	2019	2019	NUM
cjfa-30910	161	36	)	)	PUNCT
cjfa-30910	161	37	.	.	PUNCT
cjfa-30910	162	1	as	as	SCONJ
cjfa-30910	162	2	revealed	reveal	VERB
cjfa-30910	162	3	in	in	ADP
cjfa-30910	162	4	table	table	NOUN
cjfa-30910	162	5	5	5	NUM
cjfa-30910	162	6	above	above	ADV
cjfa-30910	162	7	,	,	PUNCT
cjfa-30910	162	8	it	it	PRON
cjfa-30910	162	9	can	can	AUX
cjfa-30910	162	10	be	be	AUX
cjfa-30910	162	11	deduced	deduce	VERB
cjfa-30910	162	12	that	that	SCONJ
cjfa-30910	162	13	credit	credit	NOUN
cjfa-30910	162	14	related	relate	VERB
cjfa-30910	162	15	charges	charge	NOUN
cjfa-30910	162	16	of	of	ADP
cjfa-30910	162	17	dmbs	dmb	NOUN
cjfa-30910	162	18	has	have	VERB
cjfa-30910	162	19	a	a	DET
cjfa-30910	162	20	positive	positive	ADJ
cjfa-30910	162	21	significant	significant	ADJ
cjfa-30910	162	22	effect	effect	NOUN
cjfa-30910	162	23	on	on	ADP
cjfa-30910	162	24	smes	sme	NOUN
cjfa-30910	162	25	performance	performance	NOUN
cjfa-30910	162	26	in	in	ADP
cjfa-30910	162	27	kwara	kwara	PROPN
cjfa-30910	162	28	state	state	PROPN
cjfa-30910	162	29	(	(	PUNCT
cjfa-30910	162	30	t	t	PROPN
cjfa-30910	162	31	=	=	SYM
cjfa-30910	162	32	10.690	10.690	NUM
cjfa-30910	162	33	,	,	PUNCT
cjfa-30910	162	34	p	p	NOUN
cjfa-30910	162	35	-	-	PUNCT
cjfa-30910	162	36	value	value	NOUN
cjfa-30910	162	37	0.000	0.000	NUM
cjfa-30910	162	38	)	)	PUNCT
cjfa-30910	162	39	at	at	ADP
cjfa-30910	162	40	0.05	0.05	NUM
cjfa-30910	162	41	level	level	NOUN
cjfa-30910	162	42	of	of	ADP
cjfa-30910	162	43	significance	significance	NOUN
cjfa-30910	162	44	with	with	ADP
cjfa-30910	162	45	a	a	DET
cjfa-30910	162	46	beta	beta	ADJ
cjfa-30910	162	47	value	value	NOUN
cjfa-30910	162	48	of	of	ADP
cjfa-30910	162	49	0.458	0.458	NUM
cjfa-30910	162	50	.	.	PUNCT
cjfa-30910	163	1	thus	thus	ADV
cjfa-30910	163	2	,	,	PUNCT
cjfa-30910	163	3	the	the	DET
cjfa-30910	163	4	null	null	ADJ
cjfa-30910	163	5	hypothesis	hypothesis	NOUN
cjfa-30910	163	6	which	which	PRON
cjfa-30910	163	7	stated	state	VERB
cjfa-30910	163	8	that	that	SCONJ
cjfa-30910	163	9	credit	credit	NOUN
cjfa-30910	163	10	related	relate	VERB
cjfa-30910	163	11	charges	charge	NOUN
cjfa-30910	163	12	of	of	ADP
cjfa-30910	163	13	dmbs	dmb	NOUN
cjfa-30910	163	14	’	'	PUNCT
cjfa-30910	163	15	have	have	VERB
cjfa-30910	163	16	no	no	DET
cjfa-30910	163	17	significant	significant	ADJ
cjfa-30910	163	18	effect	effect	NOUN
cjfa-30910	163	19	on	on	ADP
cjfa-30910	163	20	smes	sme	NOUN
cjfa-30910	163	21	performance	performance	NOUN
cjfa-30910	163	22	in	in	ADP
cjfa-30910	163	23	kwara	kwara	PROPN
cjfa-30910	163	24	state	state	PROPN
cjfa-30910	163	25	is	be	AUX
cjfa-30910	163	26	hereby	hereby	ADV
cjfa-30910	163	27	rejected	reject	VERB
cjfa-30910	163	28	while	while	SCONJ
cjfa-30910	163	29	the	the	DET
cjfa-30910	163	30	alternative	alternative	ADJ
cjfa-30910	163	31	hypothesis	hypothesis	NOUN
cjfa-30910	163	32	is	be	AUX
cjfa-30910	163	33	accepted	accept	VERB
cjfa-30910	163	34	.	.	PUNCT
cjfa-30910	164	1	this	this	PRON
cjfa-30910	164	2	implies	imply	VERB
cjfa-30910	164	3	that	that	SCONJ
cjfa-30910	164	4	a	a	DET
cjfa-30910	164	5	unit	unit	NOUN
cjfa-30910	164	6	change	change	NOUN
cjfa-30910	164	7	in	in	ADP
cjfa-30910	164	8	credit	credit	NOUN
cjfa-30910	164	9	related	relate	VERB
cjfa-30910	164	10	charges	charge	NOUN
cjfa-30910	164	11	of	of	ADP
cjfa-30910	164	12	dmbs	dmb	NOUN
cjfa-30910	164	13	’	'	PUNCT
cjfa-30910	164	14	will	will	AUX
cjfa-30910	164	15	lead	lead	VERB
cjfa-30910	164	16	to	to	ADP
cjfa-30910	164	17	0.458	0.458	NUM
cjfa-30910	164	18	unit	unit	NOUN
cjfa-30910	164	19	increase	increase	NOUN
cjfa-30910	164	20	in	in	ADP
cjfa-30910	164	21	smes	sme	NOUN
cjfa-30910	164	22	performance	performance	NOUN
cjfa-30910	164	23	in	in	ADP
cjfa-30910	164	24	kwara	kwara	PROPN
cjfa-30910	164	25	state	state	PROPN
cjfa-30910	164	26	.	.	PUNCT
cjfa-30910	165	1	mubaraq	mubaraq	PROPN
cjfa-30910	165	2	sanni	sanni	PROPN
cjfa-30910	165	3	,	,	PUNCT
cjfa-30910	165	4	lukman	lukman	PROPN
cjfa-30910	165	5	adebayo	adebayo	PROPN
cjfa-30910	165	6	oke	oke	PROPN
cjfa-30910	165	7	,	,	PUNCT
cjfa-30910	165	8	idayat	idayat	PROPN
cjfa-30910	165	9	titilayo	titilayo	PROPN
cjfa-30910	165	10	alayande60	alayande60	NOUN
cjfa-30910	165	11	discussion	discussion	NOUN
cjfa-30910	165	12	of	of	ADP
cjfa-30910	165	13	findings	finding	NOUN
cjfa-30910	165	14	from	from	ADP
cjfa-30910	165	15	the	the	DET
cjfa-30910	165	16	empirical	empirical	ADJ
cjfa-30910	165	17	analysis	analysis	NOUN
cjfa-30910	165	18	and	and	CCONJ
cjfa-30910	165	19	hypotheses	hypothesis	NOUN
cjfa-30910	165	20	tested	test	VERB
cjfa-30910	165	21	about	about	ADP
cjfa-30910	165	22	,	,	PUNCT
cjfa-30910	165	23	the	the	DET
cjfa-30910	165	24	results	result	NOUN
cjfa-30910	165	25	revealed	reveal	VERB
cjfa-30910	165	26	that	that	SCONJ
cjfa-30910	165	27	the	the	DET
cjfa-30910	165	28	independent	independent	ADJ
cjfa-30910	165	29	variable	variable	ADJ
cjfa-30910	165	30	proxy	proxy	NOUN
cjfa-30910	165	31	with	with	ADP
cjfa-30910	165	32	access	access	NOUN
cjfa-30910	165	33	to	to	ADP
cjfa-30910	165	34	bank	bank	NOUN
cjfa-30910	165	35	credit	credit	NOUN
cjfa-30910	165	36	and	and	CCONJ
cjfa-30910	165	37	credit	credit	NOUN
cjfa-30910	165	38	related	relate	VERB
cjfa-30910	165	39	charges	charge	NOUN
cjfa-30910	165	40	exact	exact	VERB
cjfa-30910	165	41	significant	significant	ADJ
cjfa-30910	165	42	positive	positive	ADJ
cjfa-30910	165	43	effect	effect	NOUN
cjfa-30910	165	44	on	on	ADP
cjfa-30910	165	45	smes	sme	NOUN
cjfa-30910	165	46	performance	performance	NOUN
cjfa-30910	165	47	.	.	PUNCT
cjfa-30910	166	1	the	the	DET
cjfa-30910	166	2	study	study	NOUN
cjfa-30910	166	3	found	find	VERB
cjfa-30910	166	4	that	that	SCONJ
cjfa-30910	166	5	access	access	NOUN
cjfa-30910	166	6	to	to	AUX
cjfa-30910	166	7	deposit	deposit	NOUN
cjfa-30910	166	8	money	money	NOUN
cjfa-30910	166	9	banks	bank	NOUN
cjfa-30910	166	10	credit	credit	NOUN
cjfa-30910	166	11	has	have	VERB
cjfa-30910	166	12	a	a	DET
cjfa-30910	166	13	significant	significant	ADJ
cjfa-30910	166	14	positive	positive	ADJ
cjfa-30910	166	15	effect	effect	NOUN
cjfa-30910	166	16	on	on	ADP
cjfa-30910	166	17	smes	sme	NOUN
cjfa-30910	166	18	performance	performance	NOUN
cjfa-30910	166	19	in	in	ADP
cjfa-30910	166	20	kwara	kwara	PROPN
cjfa-30910	166	21	state	state	PROPN
cjfa-30910	166	22	.	.	PUNCT
cjfa-30910	167	1	this	this	PRON
cjfa-30910	167	2	is	be	AUX
cjfa-30910	167	3	in	in	ADP
cjfa-30910	167	4	line	line	NOUN
cjfa-30910	167	5	with	with	ADP
cjfa-30910	167	6	the	the	DET
cjfa-30910	167	7	prediction	prediction	NOUN
cjfa-30910	167	8	of	of	ADP
cjfa-30910	167	9	the	the	DET
cjfa-30910	167	10	finance	finance	NOUN
cjfa-30910	167	11	led	lead	VERB
cjfa-30910	167	12	growth	growth	NOUN
cjfa-30910	167	13	theory	theory	NOUN
cjfa-30910	167	14	that	that	SCONJ
cjfa-30910	167	15	a	a	DET
cjfa-30910	167	16	well	well	ADV
cjfa-30910	167	17	functional	functional	ADJ
cjfa-30910	167	18	financial	financial	ADJ
cjfa-30910	167	19	sector	sector	NOUN
cjfa-30910	167	20	is	be	AUX
cjfa-30910	167	21	necessary	necessary	ADJ
cjfa-30910	167	22	to	to	PART
cjfa-30910	167	23	induce	induce	VERB
cjfa-30910	167	24	growth	growth	NOUN
cjfa-30910	167	25	in	in	ADP
cjfa-30910	167	26	the	the	DET
cjfa-30910	167	27	real	real	ADJ
cjfa-30910	167	28	sector	sector	NOUN
cjfa-30910	167	29	.	.	PUNCT
cjfa-30910	168	1	this	this	PRON
cjfa-30910	168	2	implies	imply	VERB
cjfa-30910	168	3	that	that	SCONJ
cjfa-30910	168	4	the	the	DET
cjfa-30910	168	5	activities	activity	NOUN
cjfa-30910	168	6	of	of	ADP
cjfa-30910	168	7	the	the	DET
cjfa-30910	168	8	dmbs	dmb	NOUN
cjfa-30910	168	9	play	play	VERB
cjfa-30910	168	10	an	an	DET
cjfa-30910	168	11	essential	essential	ADJ
cjfa-30910	168	12	role	role	NOUN
cjfa-30910	168	13	in	in	ADP
cjfa-30910	168	14	attaining	attain	VERB
cjfa-30910	168	15	sustainable	sustainable	ADJ
cjfa-30910	168	16	performance	performance	NOUN
cjfa-30910	168	17	of	of	ADP
cjfa-30910	168	18	the	the	DET
cjfa-30910	168	19	sme	sme	NOUN
cjfa-30910	168	20	sector	sector	NOUN
cjfa-30910	168	21	.	.	PUNCT
cjfa-30910	169	1	hence	hence	ADV
cjfa-30910	169	2	easy	easy	ADJ
cjfa-30910	169	3	access	access	NOUN
cjfa-30910	169	4	to	to	ADP
cjfa-30910	169	5	credit	credit	NOUN
cjfa-30910	169	6	that	that	PRON
cjfa-30910	169	7	can	can	AUX
cjfa-30910	169	8	be	be	AUX
cjfa-30910	169	9	used	use	VERB
cjfa-30910	169	10	for	for	ADP
cjfa-30910	169	11	expansion	expansion	NOUN
cjfa-30910	169	12	and	and	CCONJ
cjfa-30910	169	13	diversification	diversification	NOUN
cjfa-30910	169	14	purposes	purpose	NOUN
cjfa-30910	169	15	will	will	AUX
cjfa-30910	169	16	absolutely	absolutely	ADV
cjfa-30910	169	17	go	go	VERB
cjfa-30910	169	18	a	a	DET
cjfa-30910	169	19	long	long	ADJ
cjfa-30910	169	20	way	way	NOUN
cjfa-30910	169	21	to	to	PART
cjfa-30910	169	22	enhance	enhance	VERB
cjfa-30910	169	23	the	the	DET
cjfa-30910	169	24	performance	performance	NOUN
cjfa-30910	169	25	of	of	ADP
cjfa-30910	169	26	the	the	DET
cjfa-30910	169	27	sector	sector	NOUN
cjfa-30910	169	28	.	.	PUNCT
cjfa-30910	170	1	the	the	DET
cjfa-30910	170	2	result	result	NOUN
cjfa-30910	170	3	support	support	VERB
cjfa-30910	170	4	the	the	DET
cjfa-30910	170	5	a	a	PRON
cjfa-30910	170	6	-	-	PUNCT
cjfa-30910	170	7	priori	priori	ADJ
cjfa-30910	170	8	expectation	expectation	NOUN
cjfa-30910	170	9	and	and	CCONJ
cjfa-30910	170	10	the	the	DET
cjfa-30910	170	11	findings	finding	NOUN
cjfa-30910	170	12	of	of	ADP
cjfa-30910	170	13	the	the	DET
cjfa-30910	170	14	study	study	NOUN
cjfa-30910	170	15	corroborates	corroborate	VERB
cjfa-30910	170	16	with	with	ADP
cjfa-30910	170	17	the	the	DET
cjfa-30910	170	18	study	study	NOUN
cjfa-30910	170	19	of	of	ADP
cjfa-30910	170	20	oluitan	oluitan	PROPN
cjfa-30910	170	21	(	(	PUNCT
cjfa-30910	170	22	2014	2014	NUM
cjfa-30910	170	23	)	)	PUNCT
cjfa-30910	170	24	,	,	PUNCT
cjfa-30910	170	25	ayuba	ayuba	PROPN
cjfa-30910	170	26	and	and	CCONJ
cjfa-30910	170	27	zubairu	zubairu	NOUN
cjfa-30910	170	28	(	(	PUNCT
cjfa-30910	170	29	2015	2015	NUM
cjfa-30910	170	30	)	)	PUNCT
cjfa-30910	170	31	,	,	PUNCT
cjfa-30910	170	32	dalhat	dalhat	PROPN
cjfa-30910	170	33	and	and	CCONJ
cjfa-30910	170	34	hassan	hassan	PROPN
cjfa-30910	170	35	(	(	PUNCT
cjfa-30910	170	36	2016	2016	NUM
cjfa-30910	170	37	)	)	PUNCT
cjfa-30910	170	38	and	and	CCONJ
cjfa-30910	170	39	abosede	abosede	NOUN
cjfa-30910	170	40	et	et	PROPN
cjfa-30910	170	41	al	al	PROPN
cjfa-30910	170	42	.	.	PROPN
cjfa-30910	171	1	(	(	PUNCT
cjfa-30910	171	2	2017	2017	NUM
cjfa-30910	171	3	)	)	PUNCT
cjfa-30910	171	4	where	where	SCONJ
cjfa-30910	171	5	they	they	PRON
cjfa-30910	171	6	found	find	VERB
cjfa-30910	171	7	significant	significant	ADJ
cjfa-30910	171	8	positive	positive	ADJ
cjfa-30910	171	9	relationship	relationship	NOUN
cjfa-30910	171	10	between	between	ADP
cjfa-30910	171	11	access	access	NOUN
cjfa-30910	171	12	to	to	ADP
cjfa-30910	171	13	credit	credit	NOUN
cjfa-30910	171	14	and	and	CCONJ
cjfa-30910	171	15	smes	sme	NOUN
cjfa-30910	171	16	performance	performance	NOUN
cjfa-30910	171	17	.	.	PUNCT
cjfa-30910	172	1	however	however	ADV
cjfa-30910	172	2	,	,	PUNCT
cjfa-30910	172	3	imafidon	imafidon	ADJ
cjfa-30910	172	4	and	and	CCONJ
cjfa-30910	172	5	itoya	itoya	ADJ
cjfa-30910	172	6	(	(	PUNCT
cjfa-30910	172	7	2014	2014	NUM
cjfa-30910	172	8	)	)	PUNCT
cjfa-30910	172	9	,	,	PUNCT
cjfa-30910	172	10	ubesie	ubesie	NOUN
cjfa-30910	172	11	et	et	PROPN
cjfa-30910	172	12	al	al	PROPN
cjfa-30910	172	13	.	.	PROPN
cjfa-30910	173	1	(	(	PUNCT
cjfa-30910	173	2	2017	2017	NUM
cjfa-30910	173	3	)	)	PUNCT
cjfa-30910	173	4	,	,	PUNCT
cjfa-30910	173	5	owolabi	owolabi	NOUN
cjfa-30910	173	6	and	and	CCONJ
cjfa-30910	173	7	nasiru	nasiru	NOUN
cjfa-30910	173	8	(	(	PUNCT
cjfa-30910	173	9	2017	2017	NUM
cjfa-30910	173	10	)	)	PUNCT
cjfa-30910	173	11	and	and	CCONJ
cjfa-30910	173	12	ibrahim	ibrahim	PROPN
cjfa-30910	173	13	(	(	PUNCT
cjfa-30910	173	14	2017	2017	NUM
cjfa-30910	173	15	)	)	PUNCT
cjfa-30910	173	16	reported	report	VERB
cjfa-30910	173	17	negative	negative	ADJ
cjfa-30910	173	18	significant	significant	ADJ
cjfa-30910	173	19	relationship	relationship	NOUN
cjfa-30910	173	20	between	between	ADP
cjfa-30910	173	21	access	access	NOUN
cjfa-30910	173	22	to	to	ADP
cjfa-30910	173	23	credit	credit	NOUN
cjfa-30910	173	24	and	and	CCONJ
cjfa-30910	173	25	the	the	DET
cjfa-30910	173	26	performance	performance	NOUN
cjfa-30910	173	27	of	of	ADP
cjfa-30910	173	28	smes	sme	NOUN
cjfa-30910	173	29	.	.	PUNCT
cjfa-30910	174	1	this	this	PRON
cjfa-30910	174	2	might	might	AUX
cjfa-30910	174	3	be	be	AUX
cjfa-30910	174	4	due	due	ADJ
cjfa-30910	174	5	to	to	ADP
cjfa-30910	174	6	geographical	geographical	ADJ
cjfa-30910	174	7	,	,	PUNCT
cjfa-30910	174	8	population	population	NOUN
cjfa-30910	174	9	and	and	CCONJ
cjfa-30910	174	10	sample	sample	NOUN
cjfa-30910	174	11	size	size	NOUN
cjfa-30910	174	12	or	or	CCONJ
cjfa-30910	174	13	construct	construct	NOUN
cjfa-30910	174	14	of	of	ADP
cjfa-30910	174	15	the	the	DET
cjfa-30910	174	16	study	study	NOUN
cjfa-30910	174	17	peculiarities	peculiarity	NOUN
cjfa-30910	174	18	.	.	PUNCT
cjfa-30910	175	1	the	the	DET
cjfa-30910	175	2	study	study	NOUN
cjfa-30910	175	3	also	also	ADV
cjfa-30910	175	4	revealed	reveal	VERB
cjfa-30910	175	5	that	that	SCONJ
cjfa-30910	175	6	credit	credit	NOUN
cjfa-30910	175	7	related	relate	VERB
cjfa-30910	175	8	charges	charge	NOUN
cjfa-30910	175	9	have	have	VERB
cjfa-30910	175	10	significant	significant	ADJ
cjfa-30910	175	11	positive	positive	ADJ
cjfa-30910	175	12	effect	effect	NOUN
cjfa-30910	175	13	on	on	ADP
cjfa-30910	175	14	smes	sme	NOUN
cjfa-30910	175	15	performance	performance	NOUN
cjfa-30910	175	16	in	in	ADP
cjfa-30910	175	17	kwara	kwara	PROPN
cjfa-30910	175	18	state	state	PROPN
cjfa-30910	175	19	.	.	PUNCT
cjfa-30910	176	1	the	the	DET
cjfa-30910	176	2	implication	implication	NOUN
cjfa-30910	176	3	of	of	ADP
cjfa-30910	176	4	this	this	PRON
cjfa-30910	176	5	is	be	AUX
cjfa-30910	176	6	that	that	SCONJ
cjfa-30910	176	7	the	the	DET
cjfa-30910	176	8	charging	charging	NOUN
cjfa-30910	176	9	of	of	ADP
cjfa-30910	176	10	relatively	relatively	ADV
cjfa-30910	176	11	prohibitive	prohibitive	ADJ
cjfa-30910	176	12	interest	interest	NOUN
cjfa-30910	176	13	rate	rate	NOUN
cjfa-30910	176	14	to	to	ADP
cjfa-30910	176	15	smes	sme	NOUN
cjfa-30910	176	16	by	by	ADP
cjfa-30910	176	17	the	the	DET
cjfa-30910	176	18	dmbs	dmb	NOUN
cjfa-30910	176	19	,	,	PUNCT
cjfa-30910	176	20	given	give	VERB
cjfa-30910	176	21	the	the	DET
cjfa-30910	176	22	presence	presence	NOUN
cjfa-30910	176	23	of	of	ADP
cjfa-30910	176	24	information	information	NOUN
cjfa-30910	176	25	asymmetry	asymmetry	NOUN
cjfa-30910	176	26	,	,	PUNCT
cjfa-30910	176	27	puts	put	VERB
cjfa-30910	176	28	them	they	PRON
cjfa-30910	176	29	on	on	ADP
cjfa-30910	176	30	their	their	PRON
cjfa-30910	176	31	toes	toe	NOUN
cjfa-30910	176	32	to	to	PART
cjfa-30910	176	33	perform	perform	VERB
cjfa-30910	176	34	and	and	CCONJ
cjfa-30910	176	35	repay	repay	VERB
cjfa-30910	176	36	both	both	CCONJ
cjfa-30910	176	37	the	the	DET
cjfa-30910	176	38	principal	principal	ADJ
cjfa-30910	176	39	sum	sum	NOUN
cjfa-30910	176	40	and	and	CCONJ
cjfa-30910	176	41	interest	interest	NOUN
cjfa-30910	176	42	.	.	PUNCT
cjfa-30910	177	1	the	the	DET
cjfa-30910	177	2	result	result	NOUN
cjfa-30910	177	3	is	be	AUX
cjfa-30910	177	4	however	however	ADV
cjfa-30910	177	5	in	in	ADP
cjfa-30910	177	6	consistence	consistence	NOUN
cjfa-30910	177	7	with	with	ADP
cjfa-30910	177	8	the	the	DET
cjfa-30910	177	9	study	study	NOUN
cjfa-30910	177	10	of	of	ADP
cjfa-30910	177	11	anigbogu	anigbogu	NOUN
cjfa-30910	177	12	,	,	PUNCT
cjfa-30910	177	13	okoli	okoli	NOUN
cjfa-30910	177	14	and	and	CCONJ
cjfa-30910	177	15	nwakoby	nwakoby	NOUN
cjfa-30910	177	16	(	(	PUNCT
cjfa-30910	177	17	2015	2015	NUM
cjfa-30910	177	18	)	)	PUNCT
cjfa-30910	177	19	and	and	CCONJ
cjfa-30910	177	20	tumwine	tumwine	NOUN
cjfa-30910	177	21	,	,	PUNCT
cjfa-30910	177	22	akinsimire	akinsimire	NOUN
cjfa-30910	177	23	,	,	PUNCT
cjfa-30910	177	24	kamukama	kamukama	NOUN
cjfa-30910	177	25	and	and	CCONJ
cjfa-30910	177	26	mutaremwa	mutaremwa	PROPN
cjfa-30910	177	27	(	(	PUNCT
cjfa-30910	177	28	2015	2015	NUM
cjfa-30910	177	29	)	)	PUNCT
cjfa-30910	177	30	who	who	PRON
cjfa-30910	177	31	also	also	ADV
cjfa-30910	177	32	reported	report	VERB
cjfa-30910	177	33	similar	similar	ADJ
cjfa-30910	177	34	findings	finding	NOUN
cjfa-30910	177	35	but	but	CCONJ
cjfa-30910	177	36	contrasts	contrast	VERB
cjfa-30910	177	37	that	that	PRON
cjfa-30910	177	38	of	of	ADP
cjfa-30910	177	39	ubesie	ubesie	NOUN
cjfa-30910	177	40	et	et	PROPN
cjfa-30910	177	41	al	al	PROPN
cjfa-30910	177	42	.	.	PROPN
cjfa-30910	178	1	(	(	PUNCT
cjfa-30910	178	2	2017	2017	NUM
cjfa-30910	178	3	)	)	PUNCT
cjfa-30910	178	4	that	that	PRON
cjfa-30910	178	5	reported	report	VERB
cjfa-30910	178	6	a	a	DET
cjfa-30910	178	7	negative	negative	ADJ
cjfa-30910	178	8	significant	significant	ADJ
cjfa-30910	178	9	effect	effect	NOUN
cjfa-30910	178	10	of	of	ADP
cjfa-30910	178	11	interest	interest	NOUN
cjfa-30910	178	12	on	on	ADP
cjfa-30910	178	13	smes	sme	NOUN
cjfa-30910	178	14	performance	performance	NOUN
cjfa-30910	178	15	.	.	PUNCT
cjfa-30910	178	16	 	 	SPACE
cjfa-30910	179	1	conclusion	conclusion	NOUN
cjfa-30910	179	2	and	and	CCONJ
cjfa-30910	179	3	recommendations	recommendation	NOUN
cjfa-30910	179	4	based	base	VERB
cjfa-30910	179	5	on	on	ADP
cjfa-30910	179	6	the	the	DET
cjfa-30910	179	7	result	result	NOUN
cjfa-30910	179	8	of	of	ADP
cjfa-30910	179	9	the	the	DET
cjfa-30910	179	10	hypotheses	hypothesis	NOUN
cjfa-30910	179	11	tested	test	VERB
cjfa-30910	179	12	above	above	ADV
cjfa-30910	179	13	,	,	PUNCT
cjfa-30910	179	14	the	the	DET
cjfa-30910	179	15	study	study	NOUN
cjfa-30910	179	16	concluded	conclude	VERB
cjfa-30910	179	17	that	that	SCONJ
cjfa-30910	179	18	dmbs	dmb	NOUN
cjfa-30910	179	19	credit	credit	NOUN
cjfa-30910	179	20	accessibility	accessibility	NOUN
cjfa-30910	179	21	have	have	VERB
cjfa-30910	179	22	significant	significant	ADJ
cjfa-30910	179	23	positive	positive	ADJ
cjfa-30910	179	24	effect	effect	NOUN
cjfa-30910	179	25	on	on	ADP
cjfa-30910	179	26	smes	sme	NOUN
cjfa-30910	179	27	performance	performance	NOUN
cjfa-30910	179	28	in	in	ADP
cjfa-30910	179	29	kwara	kwara	PROPN
cjfa-30910	179	30	state	state	PROPN
cjfa-30910	179	31	.	.	PUNCT
cjfa-30910	180	1	this	this	PRON
cjfa-30910	180	2	implies	imply	VERB
cjfa-30910	180	3	that	that	SCONJ
cjfa-30910	180	4	difficulties	difficulty	NOUN
cjfa-30910	180	5	in	in	ADP
cjfa-30910	180	6	accessing	access	VERB
cjfa-30910	180	7	finance	finance	NOUN
cjfa-30910	180	8	are	be	AUX
cjfa-30910	180	9	signifi	signifi	PROPN
cjfa-30910	180	10	bank	bank	NOUN
cjfa-30910	180	11	credit	credit	NOUN
cjfa-30910	180	12	accessibility	accessibility	NOUN
cjfa-30910	180	13	and	and	CCONJ
cjfa-30910	180	14	performance	performance	NOUN
cjfa-30910	180	15	…	…	PUNCT
cjfa-30910	180	16	61	61	NUM
cjfa-30910	180	17	cantly	cantly	ADV
cjfa-30910	180	18	related	relate	VERB
cjfa-30910	180	19	to	to	ADP
cjfa-30910	180	20	the	the	DET
cjfa-30910	180	21	performance	performance	NOUN
cjfa-30910	180	22	of	of	ADP
cjfa-30910	180	23	smes	sme	NOUN
cjfa-30910	180	24	.	.	PUNCT
cjfa-30910	181	1	therefore	therefore	ADV
cjfa-30910	181	2	,	,	PUNCT
cjfa-30910	181	3	easy	easy	ADJ
cjfa-30910	181	4	access	access	NOUN
cjfa-30910	181	5	to	to	ADP
cjfa-30910	181	6	credit	credit	NOUN
cjfa-30910	181	7	at	at	ADP
cjfa-30910	181	8	relatively	relatively	ADV
cjfa-30910	181	9	low	low	ADJ
cjfa-30910	181	10	cost	cost	NOUN
cjfa-30910	181	11	would	would	AUX
cjfa-30910	181	12	enhance	enhance	VERB
cjfa-30910	181	13	the	the	DET
cjfa-30910	181	14	performance	performance	NOUN
cjfa-30910	181	15	of	of	ADP
cjfa-30910	181	16	the	the	DET
cjfa-30910	181	17	sector	sector	NOUN
cjfa-30910	181	18	to	to	PART
cjfa-30910	181	19	contribute	contribute	VERB
cjfa-30910	181	20	tremendously	tremendously	ADV
cjfa-30910	181	21	to	to	ADP
cjfa-30910	181	22	the	the	DET
cjfa-30910	181	23	growth	growth	NOUN
cjfa-30910	181	24	and	and	CCONJ
cjfa-30910	181	25	development	development	NOUN
cjfa-30910	181	26	of	of	ADP
cjfa-30910	181	27	the	the	DET
cjfa-30910	181	28	economy	economy	NOUN
cjfa-30910	181	29	.	.	PUNCT
cjfa-30910	182	1	based	base	VERB
cjfa-30910	182	2	on	on	ADP
cjfa-30910	182	3	the	the	DET
cjfa-30910	182	4	findings	finding	NOUN
cjfa-30910	182	5	that	that	PRON
cjfa-30910	182	6	dmbs	dmb	VERB
cjfa-30910	182	7	credit	credit	NOUN
cjfa-30910	182	8	accessibility	accessibility	NOUN
cjfa-30910	182	9	has	have	VERB
cjfa-30910	182	10	significant	significant	ADJ
cjfa-30910	182	11	positive	positive	ADJ
cjfa-30910	182	12	effect	effect	NOUN
cjfa-30910	182	13	on	on	ADP
cjfa-30910	182	14	smes	sme	NOUN
cjfa-30910	182	15	performance	performance	NOUN
cjfa-30910	182	16	,	,	PUNCT
cjfa-30910	182	17	it	it	PRON
cjfa-30910	182	18	is	be	AUX
cjfa-30910	182	19	recommended	recommend	VERB
cjfa-30910	182	20	that	that	SCONJ
cjfa-30910	182	21	the	the	DET
cjfa-30910	182	22	monetary	monetary	ADJ
cjfa-30910	182	23	authorities	authority	NOUN
cjfa-30910	182	24	should	should	AUX
cjfa-30910	182	25	review	review	VERB
cjfa-30910	182	26	policies	policy	NOUN
cjfa-30910	182	27	that	that	PRON
cjfa-30910	182	28	will	will	AUX
cjfa-30910	182	29	improve	improve	VERB
cjfa-30910	182	30	credit	credit	NOUN
cjfa-30910	182	31	access	access	NOUN
cjfa-30910	182	32	to	to	ADP
cjfa-30910	182	33	the	the	DET
cjfa-30910	182	34	sector	sector	NOUN
cjfa-30910	182	35	while	while	SCONJ
cjfa-30910	182	36	the	the	DET
cjfa-30910	182	37	dmbs	dmb	NOUN
cjfa-30910	182	38	should	should	AUX
cjfa-30910	182	39	put	put	VERB
cjfa-30910	182	40	in	in	ADP
cjfa-30910	182	41	place	place	NOUN
cjfa-30910	182	42	standardized	standardize	VERB
cjfa-30910	182	43	credit	credit	NOUN
cjfa-30910	182	44	administration	administration	NOUN
cjfa-30910	182	45	system	system	NOUN
cjfa-30910	182	46	in	in	ADP
cjfa-30910	182	47	order	order	NOUN
cjfa-30910	182	48	to	to	PART
cjfa-30910	182	49	ensure	ensure	VERB
cjfa-30910	182	50	easy	easy	ADJ
cjfa-30910	182	51	access	access	NOUN
cjfa-30910	182	52	to	to	ADP
cjfa-30910	182	53	funds	fund	NOUN
cjfa-30910	182	54	by	by	ADP
cjfa-30910	182	55	the	the	DET
cjfa-30910	182	56	sector	sector	NOUN
cjfa-30910	182	57	.	.	PUNCT
cjfa-30910	183	1	also	also	ADV
cjfa-30910	183	2	,	,	PUNCT
cjfa-30910	183	3	in	in	ADP
cjfa-30910	183	4	view	view	NOUN
cjfa-30910	183	5	of	of	ADP
cjfa-30910	183	6	the	the	DET
cjfa-30910	183	7	findings	finding	NOUN
cjfa-30910	183	8	that	that	PRON
cjfa-30910	183	9	credit	credit	NOUN
cjfa-30910	183	10	related	relate	VERB
cjfa-30910	183	11	charges	charge	NOUN
cjfa-30910	183	12	(	(	PUNCT
cjfa-30910	183	13	interest	interest	NOUN
cjfa-30910	183	14	charges	charge	NOUN
cjfa-30910	183	15	)	)	PUNCT
cjfa-30910	183	16	spur	spur	VERB
cjfa-30910	183	17	smes	sme	NOUN
cjfa-30910	183	18	to	to	PART
cjfa-30910	183	19	perform	perform	VERB
cjfa-30910	183	20	,	,	PUNCT
cjfa-30910	183	21	it	it	PRON
cjfa-30910	183	22	is	be	AUX
cjfa-30910	183	23	recommended	recommend	VERB
cjfa-30910	183	24	that	that	SCONJ
cjfa-30910	183	25	dmbs	dmb	NOUN
cjfa-30910	183	26	should	should	AUX
cjfa-30910	183	27	open	open	VERB
cjfa-30910	183	28	more	more	ADJ
cjfa-30910	183	29	sme	sme	ADJ
cjfa-30910	183	30	friendly	friendly	ADJ
cjfa-30910	183	31	financial	financial	ADJ
cjfa-30910	183	32	windows	window	NOUN
cjfa-30910	183	33	at	at	ADP
cjfa-30910	183	34	relatively	relatively	ADV
cjfa-30910	183	35	lower	low	ADJ
cjfa-30910	183	36	interest	interest	NOUN
cjfa-30910	183	37	for	for	ADP
cjfa-30910	183	38	the	the	DET
cjfa-30910	183	39	generation	generation	NOUN
cjfa-30910	183	40	of	of	ADP
cjfa-30910	183	41	more	more	ADJ
cjfa-30910	183	42	economic	economic	ADJ
cjfa-30910	183	43	activities	activity	NOUN
cjfa-30910	183	44	and	and	CCONJ
cjfa-30910	183	45	provide	provide	VERB
cjfa-30910	183	46	compensating	compensating	NOUN
cjfa-30910	183	47	incentives	incentive	NOUN
cjfa-30910	183	48	for	for	ADP
cjfa-30910	183	49	the	the	DET
cjfa-30910	183	50	interest	interest	NOUN
cjfa-30910	183	51	charges	charge	NOUN
cjfa-30910	183	52	.	.	PUNCT
cjfa-30910	183	53	 	 	SPACE
cjfa-30910	184	1	references	reference	NOUN
cjfa-30910	184	2	abosede	abosede	PROPN
cjfa-30910	184	3	,	,	PUNCT
cjfa-30910	184	4	a.j	a.j	PROPN
cjfa-30910	184	5	.	.	PROPN
cjfa-30910	184	6	,	,	PUNCT
cjfa-30910	184	7	hassan	hassan	PROPN
cjfa-30910	184	8	,	,	PUNCT
cjfa-30910	184	9	b.a	b.a	PROPN
cjfa-30910	184	10	.	.	PROPN
cjfa-30910	184	11	,	,	PUNCT
cjfa-30910	184	12	&	&	CCONJ
cjfa-30910	184	13	oko	oko	PROPN
cjfa-30910	184	14	-	-	PUNCT
cjfa-30910	184	15	oza	oza	PROPN
cjfa-30910	184	16	,	,	PUNCT
cjfa-30910	184	17	r.o	r.o	PROPN
cjfa-30910	184	18	.	.	PROPN
cjfa-30910	184	19	(	(	PUNCT
cjfa-30910	184	20	2017	2017	NUM
cjfa-30910	184	21	)	)	PUNCT
cjfa-30910	184	22	.	.	PUNCT
cjfa-30910	185	1	performance	performance	NOUN
cjfa-30910	185	2	of	of	ADP
cjfa-30910	185	3	small	small	ADJ
cjfa-30910	185	4	and	and	CCONJ
cjfa-30910	185	5	medium	medium	ADJ
cjfa-30910	185	6	scale	scale	NOUN
cjfa-30910	185	7	enterprises	enterprise	NOUN
cjfa-30910	185	8	in	in	ADP
cjfa-30910	185	9	lagos	lagos	NOUN
cjfa-30910	185	10	state	state	NOUN
cjfa-30910	185	11	:	:	PUNCT
cjfa-30910	185	12	the	the	DET
cjfa-30910	185	13	implication	implication	NOUN
cjfa-30910	185	14	of	of	ADP
cjfa-30910	185	15	finance	finance	NOUN
cjfa-30910	185	16	.	.	PUNCT
cjfa-30910	186	1	journal	journal	PROPN
cjfa-30910	186	2	of	of	ADP
cjfa-30910	186	3	research	research	NOUN
cjfa-30910	186	4	in	in	ADP
cjfa-30910	186	5	national	national	ADJ
cjfa-30910	186	6	development	development	NOUN
cjfa-30910	186	7	,	,	PUNCT
cjfa-30910	186	8	15(1	15(1	NUM
cjfa-30910	186	9	)	)	PUNCT
cjfa-30910	186	10	,	,	PUNCT
cjfa-30910	186	11	271	271	NUM
cjfa-30910	186	12	-	-	SYM
cjfa-30910	186	13	277	277	NUM
cjfa-30910	186	14	.	.	PUNCT
cjfa-30910	187	1	adelekan	adelekan	PROPN
cjfa-30910	187	2	,	,	PUNCT
cjfa-30910	187	3	a.s	a.s	PROPN
cjfa-30910	187	4	.	.	PROPN
cjfa-30910	187	5	,	,	PUNCT
cjfa-30910	187	6	eze	eze	PROPN
cjfa-30910	187	7	,	,	PUNCT
cjfa-30910	187	8	b.u	b.u	PROPN
cjfa-30910	187	9	.	.	PROPN
cjfa-30910	187	10	,	,	PUNCT
cjfa-30910	187	11	&	&	CCONJ
cjfa-30910	187	12	majekodunmi	majekodunmi	PROPN
cjfa-30910	187	13	,	,	PUNCT
cjfa-30910	187	14	s.a	s.a	PROPN
cjfa-30910	187	15	.	.	PROPN
cjfa-30910	187	16	(	(	PUNCT
cjfa-30910	187	17	2019	2019	NUM
cjfa-30910	187	18	)	)	PUNCT
cjfa-30910	187	19	.	.	PUNCT
cjfa-30910	188	1	the	the	DET
cjfa-30910	188	2	link	link	NOUN
cjfa-30910	188	3	between	between	ADP
cjfa-30910	188	4	bank	bank	NOUN
cjfa-30910	188	5	loan	loan	NOUN
cjfa-30910	188	6	and	and	CCONJ
cjfa-30910	188	7	small	small	ADJ
cjfa-30910	188	8	and	and	CCONJ
cjfa-30910	188	9	medium	medium	ADJ
cjfa-30910	188	10	enterprise	enterprise	NOUN
cjfa-30910	188	11	(	(	PUNCT
cjfa-30910	188	12	sme	sme	NOUN
cjfa-30910	188	13	)	)	PUNCT
cjfa-30910	188	14	performance	performance	NOUN
cjfa-30910	188	15	in	in	ADP
cjfa-30910	188	16	lagos	lagos	PROPN
cjfa-30910	188	17	,	,	PUNCT
cjfa-30910	188	18	nigeria	nigeria	PROPN
cjfa-30910	188	19	.	.	PUNCT
cjfa-30910	189	1	ilorin	ilorin	PROPN
cjfa-30910	189	2	journal	journal	PROPN
cjfa-30910	189	3	of	of	ADP
cjfa-30910	189	4	human	human	ADJ
cjfa-30910	189	5	resource	resource	NOUN
cjfa-30910	189	6	management	management	NOUN
cjfa-30910	189	7	,	,	PUNCT
cjfa-30910	189	8	3(1	3(1	NUM
cjfa-30910	189	9	)	)	PUNCT
cjfa-30910	189	10	,	,	PUNCT
cjfa-30910	189	11	52	52	NUM
cjfa-30910	189	12	-	-	SYM
cjfa-30910	189	13	61	61	NUM
cjfa-30910	189	14	.	.	PUNCT
cjfa-30910	190	1	adeoti	adeoti	PROPN
cjfa-30910	190	2	,	,	PUNCT
cjfa-30910	190	3	g.o	g.o	PROPN
cjfa-30910	190	4	.	.	PROPN
cjfa-30910	190	5	,	,	PUNCT
cjfa-30910	190	6	gbadeyan	gbadeyan	PROPN
cjfa-30910	190	7	,	,	PUNCT
cjfa-30910	190	8	r.a	r.a	PROPN
cjfa-30910	190	9	.	.	PROPN
cjfa-30910	190	10	,	,	PUNCT
cjfa-30910	190	11	&	&	CCONJ
cjfa-30910	190	12	olawale	olawale	PROPN
cjfa-30910	190	13	,	,	PUNCT
cjfa-30910	190	14	y.a	y.a	PROPN
cjfa-30910	190	15	.	.	PROPN
cjfa-30910	190	16	(	(	PUNCT
cjfa-30910	190	17	2015	2015	NUM
cjfa-30910	190	18	)	)	PUNCT
cjfa-30910	190	19	.	.	PUNCT
cjfa-30910	191	1	the	the	DET
cjfa-30910	191	2	impact	impact	NOUN
cjfa-30910	191	3	of	of	ADP
cjfa-30910	191	4	micro	micro	ADJ
cjfa-30910	191	5	-	-	ADJ
cjfa-30910	191	6	finance	finance	ADJ
cjfa-30910	191	7	institutions	institution	NOUN
cjfa-30910	191	8	credit	credit	NOUN
cjfa-30910	191	9	on	on	ADP
cjfa-30910	191	10	the	the	DET
cjfa-30910	191	11	survival	survival	NOUN
cjfa-30910	191	12	of	of	ADP
cjfa-30910	191	13	small	small	ADJ
cjfa-30910	191	14	and	and	CCONJ
cjfa-30910	191	15	medium	medium	ADJ
cjfa-30910	191	16	scale	scale	NOUN
cjfa-30910	191	17	enterprises	enterprise	NOUN
cjfa-30910	191	18	in	in	ADP
cjfa-30910	191	19	irepodun	irepodun	PROPN
cjfa-30910	191	20	lga	lga	NOUN
cjfa-30910	191	21	of	of	ADP
cjfa-30910	191	22	kwara	kwara	PROPN
cjfa-30910	191	23	state	state	PROPN
cjfa-30910	191	24	,	,	PUNCT
cjfa-30910	191	25	nigeria	nigeria	PROPN
cjfa-30910	191	26	.	.	PUNCT
cjfa-30910	192	1	pacific	pacific	PROPN
cjfa-30910	192	2	journal	journal	PROPN
cjfa-30910	192	3	of	of	ADP
cjfa-30910	192	4	science	science	NOUN
cjfa-30910	192	5	and	and	CCONJ
cjfa-30910	192	6	technology	technology	NOUN
cjfa-30910	192	7	,	,	PUNCT
cjfa-30910	192	8	16(2	16(2	NUM
cjfa-30910	192	9	)	)	PUNCT
cjfa-30910	192	10	,	,	PUNCT
cjfa-30910	192	11	180	180	NUM
cjfa-30910	192	12	-	-	SYM
cjfa-30910	192	13	188	188	NUM
cjfa-30910	192	14	.	.	PUNCT
cjfa-30910	193	1	aguwamba	aguwamba	ADV
cjfa-30910	193	2	,	,	PUNCT
cjfa-30910	193	3	s.	s.	PROPN
cjfa-30910	193	4	,	,	PUNCT
cjfa-30910	193	5	&	&	CCONJ
cjfa-30910	193	6	ekienabor	ekienabor	PROPN
cjfa-30910	193	7	,	,	PUNCT
cjfa-30910	193	8	e.	e.	PROPN
cjfa-30910	193	9	(	(	PUNCT
cjfa-30910	193	10	2017	2017	NUM
cjfa-30910	193	11	)	)	PUNCT
cjfa-30910	193	12	.	.	PUNCT
cjfa-30910	194	1	bank	bank	NOUN
cjfa-30910	194	2	lending	lending	NOUN
cjfa-30910	194	3	and	and	CCONJ
cjfa-30910	194	4	its	its	PRON
cjfa-30910	194	5	impact	impact	NOUN
cjfa-30910	194	6	on	on	ADP
cjfa-30910	194	7	small	small	ADJ
cjfa-30910	194	8	scale	scale	NOUN
cjfa-30910	194	9	enterprises	enterprise	NOUN
cjfa-30910	194	10	in	in	ADP
cjfa-30910	194	11	nigeria	nigeria	PROPN
cjfa-30910	194	12	.	.	PUNCT
cjfa-30910	195	1	imperial	imperial	ADJ
cjfa-30910	195	2	journal	journal	PROPN
cjfa-30910	195	3	of	of	ADP
cjfa-30910	195	4	interdisciplinary	interdisciplinary	ADJ
cjfa-30910	195	5	research	research	NOUN
cjfa-30910	195	6	,	,	PUNCT
cjfa-30910	195	7	3(3	3(3	NUM
cjfa-30910	195	8	)	)	PUNCT
cjfa-30910	195	9	,	,	PUNCT
cjfa-30910	195	10	58	58	NUM
cjfa-30910	195	11	-	-	SYM
cjfa-30910	195	12	66	66	NUM
cjfa-30910	195	13	.	.	PUNCT
cjfa-30910	196	1	akabueze	akabueze	PROPN
cjfa-30910	196	2	,	,	PUNCT
cjfa-30910	196	3	m.	m.	NOUN
cjfa-30910	196	4	(	(	PUNCT
cjfa-30910	196	5	2017	2017	NUM
cjfa-30910	196	6	)	)	PUNCT
cjfa-30910	196	7	.	.	PUNCT
cjfa-30910	197	1	poverty	poverty	NOUN
cjfa-30910	197	2	in	in	ADP
cjfa-30910	197	3	nigeria	nigeria	PROPN
cjfa-30910	197	4	:	:	PUNCT
cjfa-30910	197	5	characteristics	characteristic	NOUN
cjfa-30910	197	6	,	,	PUNCT
cjfa-30910	197	7	alleviation	alleviation	NOUN
cjfa-30910	197	8	strategies	strategy	NOUN
cjfa-30910	197	9	and	and	CCONJ
cjfa-30910	197	10	programmes	programme	NOUN
cjfa-30910	197	11	.	.	PUNCT
cjfa-30910	198	1	ncema	ncema	NOUN
cjfa-30910	198	2	policy	policy	NOUN
cjfa-30910	198	3	analysis	analysis	NOUN
cjfa-30910	198	4	series	series	NOUN
cjfa-30910	198	5	,	,	PUNCT
cjfa-30910	198	6	2(2	2(2	NUM
cjfa-30910	198	7	)	)	PUNCT
cjfa-30910	198	8	,	,	PUNCT
cjfa-30910	198	9	11	11	NUM
cjfa-30910	198	10	-	-	SYM
cjfa-30910	198	11	32	32	NUM
cjfa-30910	198	12	.	.	PUNCT
cjfa-30910	199	1	akingunola	akingunola	PROPN
cjfa-30910	199	2	,	,	PUNCT
cjfa-30910	199	3	r.o	r.o	PROPN
cjfa-30910	199	4	.	.	PROPN
cjfa-30910	199	5	,	,	PUNCT
cjfa-30910	199	6	olowofela	olowofela	PROPN
cjfa-30910	199	7	,	,	PUNCT
cjfa-30910	199	8	e.o	e.o	PROPN
cjfa-30910	199	9	.	.	PROPN
cjfa-30910	199	10	,	,	PUNCT
cjfa-30910	199	11	&	&	CCONJ
cjfa-30910	199	12	yunusa	yunusa	PROPN
cjfa-30910	199	13	,	,	PUNCT
cjfa-30910	199	14	l.	l.	PROPN
cjfa-30910	199	15	(	(	PUNCT
cjfa-30910	199	16	2018	2018	NUM
cjfa-30910	199	17	)	)	PUNCT
cjfa-30910	199	18	.	.	PUNCT
cjfa-30910	200	1	impact	impact	NOUN
cjfa-30910	200	2	of	of	ADP
cjfa-30910	200	3	microfinance	microfinance	NOUN
cjfa-30910	200	4	banks	bank	NOUN
cjfa-30910	200	5	on	on	ADP
cjfa-30910	200	6	micro	micro	ADJ
cjfa-30910	200	7	and	and	CCONJ
cjfa-30910	200	8	small	small	ADJ
cjfa-30910	200	9	scale	scale	NOUN
cjfa-30910	200	10	enterprises	enterprise	NOUN
cjfa-30910	200	11	in	in	ADP
cjfa-30910	200	12	ogun	ogun	PROPN
cjfa-30910	200	13	state	state	PROPN
cjfa-30910	200	14	,	,	PUNCT
cjfa-30910	200	15	nigeria	nigeria	PROPN
cjfa-30910	200	16	.	.	PUNCT
cjfa-30910	201	1	binus	binus	PROPN
cjfa-30910	201	2	business	business	PROPN
cjfa-30910	201	3	review	review	PROPN
cjfa-30910	201	4	,	,	PUNCT
cjfa-30910	201	5	9(2	9(2	NUM
cjfa-30910	201	6	)	)	PUNCT
cjfa-30910	201	7	,	,	PUNCT
cjfa-30910	201	8	163	163	NUM
cjfa-30910	201	9	-	-	SYM
cjfa-30910	201	10	169	169	NUM
cjfa-30910	201	11	.	.	PUNCT
cjfa-30910	202	1	https://dx.doi.org/10.21512/bbr.v9i2.4253	https://dx.doi.org/10.21512/bbr.v9i2.4253	NUM
cjfa-30910	202	2	.	.	PUNCT
cjfa-30910	203	1	alese	alese	PROPN
cjfa-30910	203	2	,	,	PUNCT
cjfa-30910	203	3	j.	j.	PROPN
cjfa-30910	203	4	,	,	PUNCT
cjfa-30910	203	5	&	&	CCONJ
cjfa-30910	203	6	alimi	alimi	PROPN
cjfa-30910	203	7	,	,	PUNCT
cjfa-30910	203	8	o.y	o.y	PROPN
cjfa-30910	203	9	.	.	PUNCT
cjfa-30910	203	10	(	(	PUNCT
cjfa-30910	203	11	2014	2014	NUM
cjfa-30910	203	12	)	)	PUNCT
cjfa-30910	203	13	.	.	PUNCT
cjfa-30910	204	1	small	small	ADJ
cjfa-30910	204	2	and	and	CCONJ
cjfa-30910	204	3	medium	medium	ADJ
cjfa-30910	204	4	-	-	PUNCT
cjfa-30910	204	5	scale	scale	NOUN
cjfa-30910	204	6	enterprises	enterprise	NOUN
cjfa-30910	204	7	financing	financing	NOUN
cjfa-30910	204	8	and	and	CCONJ
cjfa-30910	204	9	economic	economic	ADJ
cjfa-30910	204	10	growth	growth	NOUN
cjfa-30910	204	11	in	in	ADP
cjfa-30910	204	12	nigeria	nigeria	PROPN
cjfa-30910	204	13	:	:	PUNCT
cjfa-30910	204	14	error	error	NOUN
cjfa-30910	204	15	correction	correction	NOUN
cjfa-30910	204	16	mechanism	mechanism	NOUN
cjfa-30910	204	17	,	,	PUNCT
cjfa-30910	204	18	european	european	PROPN
cjfa-30910	204	19	journal	journal	PROPN
cjfa-30910	204	20	of	of	ADP
cjfa-30910	204	21	globalization	globalization	NOUN
cjfa-30910	204	22	and	and	CCONJ
cjfa-30910	204	23	development	development	NOUN
cjfa-30910	204	24	research	research	NOUN
cjfa-30910	204	25	,	,	PUNCT
cjfa-30910	204	26	11(1	11(1	NUM
cjfa-30910	204	27	)	)	PUNCT
cjfa-30910	204	28	,	,	PUNCT
cjfa-30910	204	29	639	639	NUM
cjfa-30910	204	30	-	-	SYM
cjfa-30910	204	31	652	652	NUM
cjfa-30910	204	32	.	.	PUNCT
cjfa-30910	205	1	anigbogu	anigbogu	NOUN
cjfa-30910	205	2	,	,	PUNCT
cjfa-30910	205	3	t.u	t.u	PROPN
cjfa-30910	205	4	.	.	PROPN
cjfa-30910	205	5	,	,	PUNCT
cjfa-30910	205	6	okoli	okoli	PROPN
cjfa-30910	205	7	,	,	PUNCT
cjfa-30910	205	8	i.m	i.m	PROPN
cjfa-30910	205	9	.	.	PROPN
cjfa-30910	205	10	,	,	PUNCT
cjfa-30910	205	11	&	&	CCONJ
cjfa-30910	205	12	nwakoby	nwakoby	PROPN
cjfa-30910	205	13	,	,	PUNCT
cjfa-30910	205	14	n.p	n.p	PROPN
cjfa-30910	205	15	.	.	PROPN
cjfa-30910	205	16	(	(	PUNCT
cjfa-30910	205	17	2015	2015	NUM
cjfa-30910	205	18	)	)	PUNCT
cjfa-30910	205	19	.	.	PUNCT
cjfa-30910	206	1	financial	financial	ADJ
cjfa-30910	206	2	intermediation	intermediation	NOUN
cjfa-30910	206	3	and	and	CCONJ
cjfa-30910	206	4	small	small	ADJ
cjfa-30910	206	5	and	and	CCONJ
cjfa-30910	206	6	medium	medium	ADJ
cjfa-30910	206	7	enterprises	enterprise	NOUN
cjfa-30910	206	8	performance	performance	NOUN
cjfa-30910	206	9	in	in	ADP
cjfa-30910	206	10	nigeria	nigeria	PROPN
cjfa-30910	206	11	(	(	PUNCT
cjfa-30910	206	12	an	an	DET
cjfa-30910	206	13	aggregated	aggregated	ADJ
cjfa-30910	206	14	analysis	analysis	NOUN
cjfa-30910	206	15	:	:	PUNCT
cjfa-30910	206	16	19802013	19802013	NUM
cjfa-30910	206	17	)	)	PUNCT
cjfa-30910	206	18	.	.	PUNCT
cjfa-30910	207	1	european	european	ADJ
cjfa-30910	207	2	scientific	scientific	ADJ
cjfa-30910	207	3	journal	journal	NOUN
cjfa-30910	207	4	,	,	PUNCT
cjfa-30910	207	5	11(28	11(28	NUM
cjfa-30910	207	6	)	)	PUNCT
cjfa-30910	207	7	,	,	PUNCT
cjfa-30910	207	8	257	257	NUM
cjfa-30910	207	9	-	-	SYM
cjfa-30910	207	10	272	272	NUM
cjfa-30910	207	11	.	.	PUNCT
cjfa-30910	207	12	apolot	apolot	PROPN
cjfa-30910	207	13	,	,	PUNCT
cjfa-30910	207	14	s.	s.	PROPN
cjfa-30910	207	15	(	(	PUNCT
cjfa-30910	207	16	2012	2012	NUM
cjfa-30910	207	17	)	)	PUNCT
cjfa-30910	207	18	.	.	PUNCT
cjfa-30910	208	1	organizational	organizational	ADJ
cjfa-30910	208	2	learning	learning	NOUN
cjfa-30910	208	3	,	,	PUNCT
cjfa-30910	208	4	innovation	innovation	NOUN
cjfa-30910	208	5	and	and	CCONJ
cjfa-30910	208	6	small	small	ADJ
cjfa-30910	208	7	and	and	CCONJ
cjfa-30910	208	8	medium	medium	ADJ
cjfa-30910	208	9	enterprise	enterprise	NOUN
cjfa-30910	208	10	(	(	PUNCT
cjfa-30910	208	11	smes	sme	NOUN
cjfa-30910	208	12	)	)	PUNCT
cjfa-30910	208	13	performance	performance	NOUN
cjfa-30910	208	14	in	in	ADP
cjfa-30910	208	15	uganda	uganda	PROPN
cjfa-30910	208	16	.	.	PUNCT
cjfa-30910	209	1	m.sc	m.sc	PROPN
cjfa-30910	209	2	.	.	PUNCT
cjfa-30910	209	3	dissertation	dissertation	NOUN
cjfa-30910	209	4	.	.	PUNCT
cjfa-30910	210	1	kampala	kampala	PROPN
cjfa-30910	210	2	,	,	PUNCT
cjfa-30910	210	3	uganda	uganda	PROPN
cjfa-30910	210	4	:	:	PUNCT
cjfa-30910	210	5	makerere	makerere	PROPN
cjfa-30910	210	6	university	university	PROPN
cjfa-30910	210	7	.	.	PUNCT
cjfa-30910	211	1	mubaraq	mubaraq	PROPN
cjfa-30910	211	2	sanni	sanni	PROPN
cjfa-30910	211	3	,	,	PUNCT
cjfa-30910	211	4	lukman	lukman	PROPN
cjfa-30910	211	5	adebayo	adebayo	PROPN
cjfa-30910	211	6	oke	oke	PROPN
cjfa-30910	211	7	,	,	PUNCT
cjfa-30910	211	8	idayat	idayat	PROPN
cjfa-30910	211	9	titilayo	titilayo	PROPN
cjfa-30910	211	10	alayande62	alayande62	NOUN
cjfa-30910	211	11	asika	asika	PROPN
cjfa-30910	211	12	,	,	PUNCT
cjfa-30910	211	13	n.	n.	PROPN
cjfa-30910	211	14	(	(	PUNCT
cjfa-30910	211	15	2006	2006	NUM
cjfa-30910	211	16	)	)	PUNCT
cjfa-30910	211	17	.	.	PUNCT
cjfa-30910	212	1	research	research	NOUN
cjfa-30910	212	2	methodology	methodology	NOUN
cjfa-30910	212	3	in	in	ADP
cjfa-30910	212	4	behavioural	behavioural	ADJ
cjfa-30910	212	5	sciences	science	NOUN
cjfa-30910	212	6	.	.	PUNCT
cjfa-30910	213	1	lagos	lago	NOUN
cjfa-30910	213	2	:	:	PUNCT
cjfa-30910	213	3	longman	longman	PROPN
cjfa-30910	213	4	nigeria	nigeria	PROPN
cjfa-30910	213	5	plc	plc	PROPN
cjfa-30910	213	6	.	.	PROPN
cjfa-30910	213	7	atieno	atieno	PROPN
cjfa-30910	213	8	,	,	PUNCT
cjfa-30910	213	9	r.	r.	PROPN
cjfa-30910	213	10	(	(	PUNCT
cjfa-30910	213	11	2001	2001	NUM
cjfa-30910	213	12	)	)	PUNCT
cjfa-30910	213	13	.	.	PUNCT
cjfa-30910	214	1	formal	formal	ADJ
cjfa-30910	214	2	and	and	CCONJ
cjfa-30910	214	3	informal	informal	ADJ
cjfa-30910	214	4	institutions	institution	NOUN
cjfa-30910	214	5	’	'	PUNCT
cjfa-30910	214	6	lending	lending	NOUN
cjfa-30910	214	7	policies	policy	NOUN
cjfa-30910	214	8	and	and	CCONJ
cjfa-30910	214	9	access	access	NOUN
cjfa-30910	214	10	to	to	ADP
cjfa-30910	214	11	credit	credit	NOUN
cjfa-30910	214	12	by	by	ADP
cjfa-30910	214	13	small	small	ADJ
cjfa-30910	214	14	-	-	PUNCT
cjfa-30910	214	15	scale	scale	NOUN
cjfa-30910	214	16	enterprises	enterprise	NOUN
cjfa-30910	214	17	in	in	ADP
cjfa-30910	214	18	kenya	kenya	PROPN
cjfa-30910	214	19	:	:	PUNCT
cjfa-30910	214	20	an	an	DET
cjfa-30910	214	21	empirical	empirical	ADJ
cjfa-30910	214	22	assessment	assessment	NOUN
cjfa-30910	214	23	.	.	PUNCT
cjfa-30910	215	1	african	african	ADJ
cjfa-30910	215	2	economic	economic	ADJ
cjfa-30910	215	3	research	research	PROPN
cjfa-30910	215	4	consortium	consortium	NOUN
cjfa-30910	215	5	,	,	PUNCT
cjfa-30910	215	6	2(3	2(3	NUM
cjfa-30910	215	7	)	)	PUNCT
cjfa-30910	215	8	,	,	PUNCT
cjfa-30910	215	9	22	22	NUM
cjfa-30910	215	10	-	-	SYM
cjfa-30910	215	11	35	35	NUM
cjfa-30910	215	12	.	.	PUNCT
cjfa-30910	216	1	ayuba	ayuba	PROPN
cjfa-30910	216	2	,	,	PUNCT
cjfa-30910	216	3	b.	b.	PROPN
cjfa-30910	216	4	,	,	PUNCT
cjfa-30910	216	5	&	&	CCONJ
cjfa-30910	216	6	zubairu	zubairu	PROPN
cjfa-30910	216	7	m.	m.	PROPN
cjfa-30910	216	8	(	(	PUNCT
cjfa-30910	216	9	2015	2015	NUM
cjfa-30910	216	10	)	)	PUNCT
cjfa-30910	216	11	.	.	PUNCT
cjfa-30910	217	1	impact	impact	NOUN
cjfa-30910	217	2	of	of	ADP
cjfa-30910	217	3	banking	banking	NOUN
cjfa-30910	217	4	sector	sector	NOUN
cjfa-30910	217	5	credit	credit	NOUN
cjfa-30910	217	6	on	on	ADP
cjfa-30910	217	7	the	the	DET
cjfa-30910	217	8	growth	growth	NOUN
cjfa-30910	217	9	of	of	ADP
cjfa-30910	217	10	small	small	ADJ
cjfa-30910	217	11	and	and	CCONJ
cjfa-30910	217	12	medium	medium	ADJ
cjfa-30910	217	13	enterprises	enterprise	NOUN
cjfa-30910	217	14	(	(	PUNCT
cjfa-30910	217	15	sme	sme	PROPN
cjfa-30910	217	16	’s	’s	PART
cjfa-30910	217	17	)	)	PUNCT
cjfa-30910	217	18	in	in	ADP
cjfa-30910	217	19	nigeria	nigeria	PROPN
cjfa-30910	217	20	.	.	PUNCT
cjfa-30910	218	1	journal	journal	PROPN
cjfa-30910	218	2	of	of	ADP
cjfa-30910	218	3	resources	resource	NOUN
cjfa-30910	218	4	development	development	NOUN
cjfa-30910	218	5	and	and	CCONJ
cjfa-30910	218	6	management	management	NOUN
cjfa-30910	218	7	,	,	PUNCT
cjfa-30910	218	8	15	15	NUM
cjfa-30910	218	9	,	,	PUNCT
cjfa-30910	218	10	1	1	NUM
cjfa-30910	218	11	-	-	SYM
cjfa-30910	218	12	9	9	NUM
cjfa-30910	218	13	.	.	PUNCT
cjfa-30910	219	1	bandar	bandar	PROPN
cjfa-30910	219	2	,	,	PUNCT
cjfa-30910	219	3	w.	w.	PROPN
cjfa-30910	219	4	(	(	PUNCT
cjfa-30910	219	5	2016	2016	NUM
cjfa-30910	219	6	)	)	PUNCT
cjfa-30910	219	7	.	.	PUNCT
cjfa-30910	220	1	access	access	NOUN
cjfa-30910	220	2	to	to	ADP
cjfa-30910	220	3	finance	finance	NOUN
cjfa-30910	220	4	by	by	ADP
cjfa-30910	220	5	saudi	saudi	ADJ
cjfa-30910	220	6	smes	sme	NOUN
cjfa-30910	220	7	:	:	PUNCT
cjfa-30910	220	8	constraints	constraint	NOUN
cjfa-30910	220	9	and	and	CCONJ
cjfa-30910	220	10	the	the	DET
cjfa-30910	220	11	impact	impact	NOUN
cjfa-30910	220	12	on	on	ADP
cjfa-30910	220	13	their	their	PRON
cjfa-30910	220	14	performance	performance	NOUN
cjfa-30910	220	15	.	.	PUNCT
cjfa-30910	221	1	ph.d	ph.d	PROPN
cjfa-30910	221	2	.	.	PUNCT
cjfa-30910	222	1	thesis	thesis	PROPN
cjfa-30910	222	2	.	.	PUNCT
cjfa-30910	223	1	melbourne	melbourne	PROPN
cjfa-30910	223	2	,	,	PUNCT
cjfa-30910	223	3	australia	australia	PROPN
cjfa-30910	223	4	:	:	PUNCT
cjfa-30910	223	5	victoria	victoria	PROPN
cjfa-30910	223	6	university	university	PROPN
cjfa-30910	223	7	.	.	PUNCT
cjfa-30910	224	1	bashir	bashir	PROPN
cjfa-30910	224	2	,	,	PUNCT
cjfa-30910	224	3	a.b	a.b	PROPN
cjfa-30910	224	4	.	.	PROPN
cjfa-30910	224	5	,	,	PUNCT
cjfa-30910	224	6	&	&	CCONJ
cjfa-30910	224	7	ondigo	ondigo	PROPN
cjfa-30910	224	8	,	,	PUNCT
cjfa-30910	224	9	h.o	h.o	PROPN
cjfa-30910	224	10	.	.	PROPN
cjfa-30910	224	11	(	(	PUNCT
cjfa-30910	224	12	2018	2018	NUM
cjfa-30910	224	13	)	)	PUNCT
cjfa-30910	224	14	.	.	PUNCT
cjfa-30910	225	1	effect	effect	NOUN
cjfa-30910	225	2	of	of	ADP
cjfa-30910	225	3	financial	financial	ADJ
cjfa-30910	225	4	product	product	NOUN
cjfa-30910	225	5	on	on	ADP
cjfa-30910	225	6	performance	performance	NOUN
cjfa-30910	225	7	of	of	ADP
cjfa-30910	225	8	small	small	ADJ
cjfa-30910	225	9	and	and	CCONJ
cjfa-30910	225	10	medium	medium	ADJ
cjfa-30910	225	11	enterprises	enterprise	NOUN
cjfa-30910	225	12	in	in	ADP
cjfa-30910	225	13	niarobi	niarobi	PROPN
cjfa-30910	225	14	county	county	PROPN
cjfa-30910	225	15	.	.	PUNCT
cjfa-30910	226	1	journal	journal	PROPN
cjfa-30910	226	2	of	of	ADP
cjfa-30910	226	3	international	international	ADJ
cjfa-30910	226	4	business	business	NOUN
cjfa-30910	226	5	,	,	PUNCT
cjfa-30910	226	6	innovation	innovation	NOUN
cjfa-30910	226	7	and	and	CCONJ
cjfa-30910	226	8	strategic	strategic	ADJ
cjfa-30910	226	9	management	management	NOUN
cjfa-30910	226	10	,	,	PUNCT
cjfa-30910	226	11	1(6	1(6	NUM
cjfa-30910	226	12	)	)	PUNCT
cjfa-30910	226	13	,	,	PUNCT
cjfa-30910	226	14	1	1	NUM
cjfa-30910	226	15	-	-	SYM
cjfa-30910	226	16	36	36	NUM
cjfa-30910	226	17	.	.	PUNCT
cjfa-30910	227	1	beck	beck	PROPN
cjfa-30910	227	2	,	,	PUNCT
cjfa-30910	227	3	t.	t.	PROPN
cjfa-30910	227	4	,	,	PUNCT
cjfa-30910	227	5	demirguc	demirguc	PROPN
cjfa-30910	227	6	-	-	PUNCT
cjfa-30910	227	7	kunt	kunt	PROPN
cjfa-30910	227	8	,	,	PUNCT
cjfa-30910	227	9	a.	a.	PROPN
cjfa-30910	227	10	,	,	PUNCT
cjfa-30910	227	11	&	&	CCONJ
cjfa-30910	227	12	martinez	martinez	PROPN
cjfa-30910	227	13	peria	peria	PROPN
cjfa-30910	227	14	,	,	PUNCT
cjfa-30910	227	15	m.	m.	NOUN
cjfa-30910	227	16	(	(	PUNCT
cjfa-30910	227	17	2008	2008	NUM
cjfa-30910	227	18	)	)	PUNCT
cjfa-30910	227	19	.	.	PUNCT
cjfa-30910	228	1	bank	bank	NOUN
cjfa-30910	228	2	financing	financing	NOUN
cjfa-30910	228	3	for	for	ADP
cjfa-30910	228	4	smes	sme	NOUN
cjfa-30910	228	5	around	around	ADP
cjfa-30910	228	6	the	the	DET
cjfa-30910	228	7	world	world	NOUN
cjfa-30910	228	8	:	:	PUNCT
cjfa-30910	228	9	drivers	driver	NOUN
cjfa-30910	228	10	,	,	PUNCT
cjfa-30910	228	11	obstacles	obstacle	NOUN
cjfa-30910	228	12	,	,	PUNCT
cjfa-30910	228	13	business	business	NOUN
cjfa-30910	228	14	models	model	NOUN
cjfa-30910	228	15	,	,	PUNCT
cjfa-30910	228	16	and	and	CCONJ
cjfa-30910	228	17	lending	lending	NOUN
cjfa-30910	228	18	practices	practice	NOUN
cjfa-30910	228	19	.	.	PUNCT
cjfa-30910	229	1	policy	policy	NOUN
cjfa-30910	229	2	research	research	NOUN
cjfa-30910	229	3	working	working	NOUN
cjfa-30910	229	4	paper	paper	NOUN
cjfa-30910	229	5	,	,	PUNCT
cjfa-30910	229	6	4785	4785	NUM
cjfa-30910	229	7	,	,	PUNCT
cjfa-30910	229	8	washington	washington	PROPN
cjfa-30910	229	9	dc	dc	PROPN
cjfa-30910	229	10	:	:	PUNCT
cjfa-30910	229	11	world	world	PROPN
cjfa-30910	229	12	bank	bank	PROPN
cjfa-30910	229	13	.	.	PUNCT
cjfa-30910	230	1	dalhat	dalhat	PROPN
cjfa-30910	230	2	,	,	PUNCT
cjfa-30910	230	3	b.s	b.s	PROPN
cjfa-30910	230	4	.	.	PROPN
cjfa-30910	230	5	,	,	PUNCT
cjfa-30910	230	6	&	&	CCONJ
cjfa-30910	230	7	hassan	hassan	PROPN
cjfa-30910	230	8	,	,	PUNCT
cjfa-30910	230	9	n.m	n.m	PROPN
cjfa-30910	230	10	.	.	PROPN
cjfa-30910	230	11	(	(	PUNCT
cjfa-30910	230	12	2016	2016	NUM
cjfa-30910	230	13	)	)	PUNCT
cjfa-30910	230	14	.	.	PUNCT
cjfa-30910	231	1	role	role	NOUN
cjfa-30910	231	2	of	of	ADP
cjfa-30910	231	3	money	money	NOUN
cjfa-30910	231	4	deposit	deposit	NOUN
cjfa-30910	231	5	banks	bank	NOUN
cjfa-30910	231	6	in	in	ADP
cjfa-30910	231	7	financing	finance	VERB
cjfa-30910	231	8	small	small	ADJ
cjfa-30910	231	9	and	and	CCONJ
cjfa-30910	231	10	medium	medium	ADJ
cjfa-30910	231	11	scale	scale	NOUN
cjfa-30910	231	12	enterprises	enterprise	NOUN
cjfa-30910	231	13	(	(	PUNCT
cjfa-30910	231	14	smes	sme	NOUN
cjfa-30910	231	15	)	)	PUNCT
cjfa-30910	231	16	in	in	ADP
cjfa-30910	231	17	nigeria	nigeria	PROPN
cjfa-30910	231	18	.	.	PUNCT
cjfa-30910	232	1	proceedings	proceeding	NOUN
cjfa-30910	232	2	of	of	ADP
cjfa-30910	232	3	iser	iser	PROPN
cjfa-30910	232	4	27th	27th	ADJ
cjfa-30910	232	5	international	international	ADJ
cjfa-30910	232	6	conference	conference	NOUN
cjfa-30910	232	7	,	,	PUNCT
cjfa-30910	232	8	riyadh	riyadh	PROPN
cjfa-30910	232	9	,	,	PUNCT
cjfa-30910	232	10	saudi	saudi	PROPN
cjfa-30910	232	11	arabia	arabia	PROPN
cjfa-30910	232	12	.	.	PUNCT
cjfa-30910	233	1	eniola	eniola	PROPN
cjfa-30910	233	2	,	,	PUNCT
cjfa-30910	233	3	a.a	a.a	PROPN
cjfa-30910	233	4	.	.	PROPN
cjfa-30910	233	5	,	,	PUNCT
cjfa-30910	233	6	&	&	CCONJ
cjfa-30910	233	7	entebang	entebang	PROPN
cjfa-30910	233	8	,	,	PUNCT
cjfa-30910	233	9	h.	h.	PROPN
cjfa-30910	233	10	(	(	PUNCT
cjfa-30910	233	11	2015	2015	NUM
cjfa-30910	233	12	)	)	PUNCT
cjfa-30910	233	13	.	.	PUNCT
cjfa-30910	234	1	sme	sme	PROPN
cjfa-30910	234	2	firm	firm	PROPN
cjfa-30910	234	3	performance	performance	NOUN
cjfa-30910	234	4	-	-	PUNCT
cjfa-30910	234	5	financial	financial	ADJ
cjfa-30910	234	6	innovation	innovation	NOUN
cjfa-30910	234	7	and	and	CCONJ
cjfa-30910	234	8	challenges	challenge	NOUN
cjfa-30910	234	9	.	.	PUNCT
cjfa-30910	235	1	procedia	procedia	ADJ
cjfa-30910	235	2	social	social	ADJ
cjfa-30910	235	3	and	and	CCONJ
cjfa-30910	235	4	behavioral	behavioral	ADJ
cjfa-30910	235	5	sciences	science	NOUN
cjfa-30910	235	6	,	,	PUNCT
cjfa-30910	235	7	195	195	NUM
cjfa-30910	235	8	,	,	PUNCT
cjfa-30910	235	9	334	334	NUM
cjfa-30910	235	10	-	-	SYM
cjfa-30910	235	11	342	342	NUM
cjfa-30910	235	12	.	.	PUNCT
cjfa-30910	236	1	https://dx.doi	https://dx.doi	NOUN
cjfa-30910	236	2	.	.	PUNCT
cjfa-30910	237	1	org/10.1016	org/10.1016	PROPN
cjfa-30910	237	2	/	/	SYM
cjfa-30910	237	3	j.sbspro.2015.06.361	j.sbspro.2015.06.361	PROPN
cjfa-30910	237	4	.	.	PUNCT
cjfa-30910	237	5	erdogan	erdogan	PROPN
cjfa-30910	237	6	,	,	PUNCT
cjfa-30910	237	7	a.i	a.i	PROPN
cjfa-30910	237	8	.	.	PROPN
cjfa-30910	237	9	(	(	PUNCT
cjfa-30910	237	10	2019	2019	NUM
cjfa-30910	237	11	)	)	PUNCT
cjfa-30910	237	12	.	.	PUNCT
cjfa-30910	238	1	determinants	determinant	NOUN
cjfa-30910	238	2	of	of	ADP
cjfa-30910	238	3	perceived	perceive	VERB
cjfa-30910	238	4	bank	bank	NOUN
cjfa-30910	238	5	financing	financing	NOUN
cjfa-30910	238	6	accessibility	accessibility	NOUN
cjfa-30910	238	7	for	for	ADP
cjfa-30910	238	8	smes	sme	NOUN
cjfa-30910	238	9	:	:	PUNCT
cjfa-30910	238	10	evidence	evidence	NOUN
cjfa-30910	238	11	from	from	ADP
cjfa-30910	238	12	an	an	DET
cjfa-30910	238	13	emerging	emerge	VERB
cjfa-30910	238	14	market	market	NOUN
cjfa-30910	238	15	.	.	PUNCT
cjfa-30910	239	1	economic	economic	ADJ
cjfa-30910	239	2	research	research	NOUN
cjfa-30910	239	3	-	-	PUNCT
cjfa-30910	239	4	ekonomska	ekonomska	ADJ
cjfa-30910	239	5	istraživanja	istraživanja	NOUN
cjfa-30910	239	6	,	,	PUNCT
cjfa-30910	239	7	32(1	32(1	NUM
cjfa-30910	239	8	)	)	PUNCT
cjfa-30910	239	9	,	,	PUNCT
cjfa-30910	239	10	690	690	NUM
cjfa-30910	239	11	-	-	SYM
cjfa-30910	239	12	716	716	NUM
cjfa-30910	239	13	.	.	PUNCT
cjfa-30910	240	1	https://dx.doi.org/10.1080/1331677x.2019.1578678	https://dx.doi.org/10.1080/1331677x.2019.1578678	NOUN
cjfa-30910	240	2	.	.	PUNCT
cjfa-30910	240	3	fornell	fornell	PROPN
cjfa-30910	240	4	,	,	PUNCT
cjfa-30910	240	5	c.	c.	PROPN
cjfa-30910	240	6	,	,	PUNCT
cjfa-30910	240	7	&	&	CCONJ
cjfa-30910	240	8	larcker	larcker	PROPN
cjfa-30910	240	9	,	,	PUNCT
cjfa-30910	240	10	d.f	d.f	PROPN
cjfa-30910	240	11	.	.	PROPN
cjfa-30910	240	12	(	(	PUNCT
cjfa-30910	240	13	1981	1981	NUM
cjfa-30910	240	14	)	)	PUNCT
cjfa-30910	240	15	.	.	PUNCT
cjfa-30910	241	1	evaluating	evaluate	VERB
cjfa-30910	241	2	structural	structural	ADJ
cjfa-30910	241	3	equation	equation	NOUN
cjfa-30910	241	4	models	model	NOUN
cjfa-30910	241	5	with	with	ADP
cjfa-30910	241	6	unobservable	unobservable	ADJ
cjfa-30910	241	7	variables	variable	NOUN
cjfa-30910	241	8	and	and	CCONJ
cjfa-30910	241	9	measurement	measurement	NOUN
cjfa-30910	241	10	error	error	NOUN
cjfa-30910	241	11	.	.	PUNCT
cjfa-30910	242	1	journal	journal	NOUN
cjfa-30910	242	2	of	of	ADP
cjfa-30910	242	3	marketing	marketing	NOUN
cjfa-30910	242	4	research	research	NOUN
cjfa-30910	242	5	,	,	PUNCT
cjfa-30910	242	6	28(1	28(1	NOUN
cjfa-30910	242	7	)	)	PUNCT
cjfa-30910	242	8	,	,	PUNCT
cjfa-30910	242	9	3950	3950	NUM
cjfa-30910	242	10	.	.	PUNCT
cjfa-30910	243	1	https://dx.doi.org/10.1177/002224378101800104	https://dx.doi.org/10.1177/002224378101800104	PROPN
cjfa-30910	243	2	.	.	PUNCT
cjfa-30910	244	1	fry	fry	PROPN
cjfa-30910	244	2	,	,	PUNCT
cjfa-30910	244	3	m.j	m.j	PROPN
cjfa-30910	244	4	.	.	PROPN
cjfa-30910	244	5	(	(	PUNCT
cjfa-30910	244	6	1988	1988	NUM
cjfa-30910	244	7	)	)	PUNCT
cjfa-30910	244	8	.	.	PUNCT
cjfa-30910	245	1	money	money	NOUN
cjfa-30910	245	2	,	,	PUNCT
cjfa-30910	245	3	interest	interest	NOUN
cjfa-30910	245	4	and	and	CCONJ
cjfa-30910	245	5	banking	banking	NOUN
cjfa-30910	245	6	in	in	ADP
cjfa-30910	245	7	economic	economic	ADJ
cjfa-30910	245	8	development	development	NOUN
cjfa-30910	245	9	.	.	PUNCT
cjfa-30910	246	1	baltimore	baltimore	PROPN
cjfa-30910	246	2	md	md	PROPN
cjfa-30910	246	3	:	:	PUNCT
cjfa-30910	246	4	johns	johns	PROPN
cjfa-30910	246	5	hopkins	hopkins	PROPN
cjfa-30910	246	6	university	university	PROPN
cjfa-30910	246	7	press	press	NOUN
cjfa-30910	246	8	.	.	PUNCT
cjfa-30910	247	1	https://dx.doi.org/10.2307/1242046	https://dx.doi.org/10.2307/1242046	PROPN
cjfa-30910	247	2	.	.	PUNCT
cjfa-30910	248	1	gbandi	gbandi	PROPN
cjfa-30910	248	2	,	,	PUNCT
cjfa-30910	248	3	e.c	e.c	PROPN
cjfa-30910	248	4	.	.	PROPN
cjfa-30910	248	5	,	,	PUNCT
cjfa-30910	248	6	&	&	CCONJ
cjfa-30910	248	7	amissah	amissah	PROPN
cjfa-30910	248	8	,	,	PUNCT
cjfa-30910	248	9	g.	g.	PROPN
cjfa-30910	248	10	(	(	PUNCT
cjfa-30910	248	11	2014	2014	NUM
cjfa-30910	248	12	)	)	PUNCT
cjfa-30910	248	13	.	.	PUNCT
cjfa-30910	249	1	financing	finance	VERB
cjfa-30910	249	2	options	option	NOUN
cjfa-30910	249	3	for	for	ADP
cjfa-30910	249	4	small	small	ADJ
cjfa-30910	249	5	and	and	CCONJ
cjfa-30910	249	6	medium	medium	ADJ
cjfa-30910	249	7	enterprises	enterprise	NOUN
cjfa-30910	249	8	(	(	PUNCT
cjfa-30910	249	9	smes	sme	NOUN
cjfa-30910	249	10	)	)	PUNCT
cjfa-30910	249	11	in	in	ADP
cjfa-30910	249	12	nigeria	nigeria	PROPN
cjfa-30910	249	13	.	.	PUNCT
cjfa-30910	250	1	european	european	ADJ
cjfa-30910	250	2	scientific	scientific	ADJ
cjfa-30910	250	3	journal	journal	NOUN
cjfa-30910	250	4	,	,	PUNCT
cjfa-30910	250	5	10(1	10(1	NUM
cjfa-30910	250	6	)	)	PUNCT
cjfa-30910	250	7	.	.	PUNCT
cjfa-30910	251	1	ibrahim	ibrahim	PROPN
cjfa-30910	251	2	,	,	PUNCT
cjfa-30910	251	3	a.g	a.g	PROPN
cjfa-30910	251	4	.	.	PROPN
cjfa-30910	251	5	(	(	PUNCT
cjfa-30910	251	6	2017	2017	NUM
cjfa-30910	251	7	)	)	PUNCT
cjfa-30910	251	8	.	.	PUNCT
cjfa-30910	252	1	an	an	DET
cjfa-30910	252	2	evaluation	evaluation	NOUN
cjfa-30910	252	3	of	of	ADP
cjfa-30910	252	4	the	the	DET
cjfa-30910	252	5	role	role	NOUN
cjfa-30910	252	6	of	of	ADP
cjfa-30910	252	7	commercial	commercial	ADJ
cjfa-30910	252	8	banks	bank	NOUN
cjfa-30910	252	9	in	in	ADP
cjfa-30910	252	10	financing	finance	VERB
cjfa-30910	252	11	small	small	ADJ
cjfa-30910	252	12	and	and	CCONJ
cjfa-30910	252	13	medium	medium	ADJ
cjfa-30910	252	14	scale	scale	NOUN
cjfa-30910	252	15	enterprises	enterprise	NOUN
cjfa-30910	252	16	(	(	PUNCT
cjfa-30910	252	17	smes	sme	NOUN
cjfa-30910	252	18	):	):	PUNCT
cjfa-30910	252	19	evidence	evidence	NOUN
cjfa-30910	252	20	from	from	ADP
cjfa-30910	252	21	nigeria	nigeria	PROPN
cjfa-30910	252	22	.	.	PUNCT
cjfa-30910	253	1	indian	indian	PROPN
cjfa-30910	253	2	journal	journal	PROPN
cjfa-30910	253	3	of	of	ADP
cjfa-30910	253	4	finance	finance	NOUN
cjfa-30910	253	5	and	and	CCONJ
cjfa-30910	253	6	banking	banking	NOUN
cjfa-30910	253	7	,	,	PUNCT
cjfa-30910	253	8	1(1	1(1	NUM
cjfa-30910	253	9	)	)	PUNCT
cjfa-30910	253	10	,	,	PUNCT
cjfa-30910	253	11	16	16	NUM
cjfa-30910	253	12	-	-	SYM
cjfa-30910	253	13	32	32	NUM
cjfa-30910	253	14	.	.	PUNCT
cjfa-30910	254	1	https://dx.doi.org/10.46281/ijfb.v1i1.82	https://dx.doi.org/10.46281/ijfb.v1i1.82	NOUN
cjfa-30910	254	2	.	.	PUNCT
cjfa-30910	255	1	imafidon	imafidon	PROPN
cjfa-30910	255	2	,	,	PUNCT
cjfa-30910	255	3	k.	k.	PROPN
cjfa-30910	255	4	,	,	PUNCT
cjfa-30910	255	5	&	&	CCONJ
cjfa-30910	255	6	itoya	itoya	PROPN
cjfa-30910	255	7	,	,	PUNCT
cjfa-30910	255	8	j.	j.	PROPN
cjfa-30910	255	9	(	(	PUNCT
cjfa-30910	255	10	2014	2014	NUM
cjfa-30910	255	11	)	)	PUNCT
cjfa-30910	255	12	.	.	PUNCT
cjfa-30910	256	1	an	an	DET
cjfa-30910	256	2	analysis	analysis	NOUN
cjfa-30910	256	3	of	of	ADP
cjfa-30910	256	4	the	the	DET
cjfa-30910	256	5	contribution	contribution	NOUN
cjfa-30910	256	6	of	of	ADP
cjfa-30910	256	7	commercial	commercial	ADJ
cjfa-30910	256	8	banks	bank	NOUN
cjfa-30910	256	9	to	to	ADP
cjfa-30910	256	10	small	small	ADJ
cjfa-30910	256	11	scale	scale	NOUN
cjfa-30910	256	12	enterprises	enterprise	NOUN
cjfa-30910	256	13	on	on	ADP
cjfa-30910	256	14	the	the	DET
cjfa-30910	256	15	growth	growth	NOUN
cjfa-30910	256	16	of	of	ADP
cjfa-30910	256	17	the	the	DET
cjfa-30910	256	18	nigeria	nigeria	PROPN
cjfa-30910	256	19	economy	economy	NOUN
cjfa-30910	256	20	.	.	PUNCT
cjfa-30910	257	1	international	international	ADJ
cjfa-30910	257	2	journal	journal	PROPN
cjfa-30910	257	3	of	of	ADP
cjfa-30910	257	4	business	business	NOUN
cjfa-30910	257	5	and	and	CCONJ
cjfa-30910	257	6	social	social	ADJ
cjfa-30910	257	7	science	science	NOUN
cjfa-30910	257	8	,	,	PUNCT
cjfa-30910	257	9	5	5	NUM
cjfa-30910	257	10	,	,	PUNCT
cjfa-30910	257	11	9(1	9(1	NUM
cjfa-30910	257	12	)	)	PUNCT
cjfa-30910	257	13	,	,	PUNCT
cjfa-30910	257	14	256	256	NUM
cjfa-30910	257	15	-	-	SYM
cjfa-30910	257	16	263	263	NUM
cjfa-30910	257	17	.	.	PUNCT
cjfa-30910	258	1	imoughele	imoughele	PROPN
cjfa-30910	258	2	,	,	PUNCT
cjfa-30910	258	3	l.e	l.e	PROPN
cjfa-30910	258	4	.	.	PROPN
cjfa-30910	258	5	,	,	PUNCT
cjfa-30910	258	6	&	&	CCONJ
cjfa-30910	258	7	ismaila	ismaila	PROPN
cjfa-30910	258	8	,	,	PUNCT
cjfa-30910	258	9	m.	m.	NOUN
cjfa-30910	258	10	(	(	PUNCT
cjfa-30910	258	11	2014	2014	NUM
cjfa-30910	258	12	)	)	PUNCT
cjfa-30910	258	13	.	.	PUNCT
cjfa-30910	259	1	commercial	commercial	ADJ
cjfa-30910	259	2	bank	bank	PROPN
cjfa-30910	259	3	credit	credit	NOUN
cjfa-30910	259	4	accessibility	accessibility	NOUN
cjfa-30910	259	5	and	and	CCONJ
cjfa-30910	259	6	sectoral	sectoral	ADJ
cjfa-30910	259	7	output	output	NOUN
cjfa-30910	259	8	performance	performance	NOUN
cjfa-30910	259	9	in	in	ADP
cjfa-30910	259	10	a	a	DET
cjfa-30910	259	11	deregulated	deregulated	ADJ
cjfa-30910	259	12	financial	financial	ADJ
cjfa-30910	259	13	market	market	NOUN
cjfa-30910	259	14	economy	economy	NOUN
cjfa-30910	259	15	:	:	PUNCT
cjfa-30910	259	16	empirical	empirical	ADJ
cjfa-30910	259	17	evidence	evidence	NOUN
cjfa-30910	259	18	from	from	ADP
cjfa-30910	259	19	nigeria	nigeria	PROPN
cjfa-30910	259	20	.	.	PUNCT
cjfa-30910	260	1	journal	journal	PROPN
cjfa-30910	260	2	of	of	ADP
cjfa-30910	260	3	finance	finance	NOUN
cjfa-30910	260	4	and	and	CCONJ
cjfa-30910	260	5	bank	bank	NOUN
cjfa-30910	260	6	management	management	NOUN
cjfa-30910	260	7	,	,	PUNCT
cjfa-30910	260	8	1(2	1(2	NUM
cjfa-30910	260	9	)	)	PUNCT
cjfa-30910	260	10	,	,	PUNCT
cjfa-30910	260	11	36	36	NUM
cjfa-30910	260	12	-	-	SYM
cjfa-30910	260	13	59	59	NUM
cjfa-30910	260	14	.	.	PUNCT
cjfa-30910	261	1	bank	bank	NOUN
cjfa-30910	261	2	credit	credit	NOUN
cjfa-30910	261	3	accessibility	accessibility	NOUN
cjfa-30910	261	4	and	and	CCONJ
cjfa-30910	261	5	performance	performance	NOUN
cjfa-30910	261	6	…	…	PUNCT
cjfa-30910	261	7	63	63	NUM
cjfa-30910	261	8	kadiri	kadiri	NOUN
cjfa-30910	261	9	,	,	PUNCT
cjfa-30910	261	10	i.b	i.b	PROPN
cjfa-30910	261	11	.	.	PROPN
cjfa-30910	261	12	(	(	PUNCT
cjfa-30910	261	13	2012	2012	NUM
cjfa-30910	261	14	)	)	PUNCT
cjfa-30910	261	15	.	.	PUNCT
cjfa-30910	262	1	small	small	ADJ
cjfa-30910	262	2	and	and	CCONJ
cjfa-30910	262	3	medium	medium	ADJ
cjfa-30910	262	4	scale	scale	NOUN
cjfa-30910	262	5	enterprises	enterprise	NOUN
cjfa-30910	262	6	and	and	CCONJ
cjfa-30910	262	7	employment	employment	NOUN
cjfa-30910	262	8	generation	generation	NOUN
cjfa-30910	262	9	in	in	ADP
cjfa-30910	262	10	nigeria	nigeria	PROPN
cjfa-30910	262	11	:	:	PUNCT
cjfa-30910	262	12	the	the	DET
cjfa-30910	262	13	role	role	NOUN
cjfa-30910	262	14	of	of	ADP
cjfa-30910	262	15	finance	finance	NOUN
cjfa-30910	262	16	.	.	PUNCT
cjfa-30910	263	1	kuwait	kuwait	PROPN
cjfa-30910	263	2	chapter	chapter	PROPN
cjfa-30910	263	3	of	of	ADP
cjfa-30910	263	4	arabian	arabian	ADJ
cjfa-30910	263	5	journal	journal	PROPN
cjfa-30910	263	6	of	of	ADP
cjfa-30910	263	7	business	business	NOUN
cjfa-30910	263	8	and	and	CCONJ
cjfa-30910	263	9	management	management	NOUN
cjfa-30910	263	10	review	review	NOUN
cjfa-30910	263	11	,	,	PUNCT
cjfa-30910	263	12	1(9	1(9	NUM
cjfa-30910	263	13	)	)	PUNCT
cjfa-30910	263	14	,	,	PUNCT
cjfa-30910	263	15	79	79	NUM
cjfa-30910	263	16	-	-	SYM
cjfa-30910	263	17	94	94	NUM
cjfa-30910	263	18	.	.	PUNCT
cjfa-30910	264	1	kauffmann	kauffmann	PROPN
cjfa-30910	264	2	,	,	PUNCT
cjfa-30910	264	3	c.	c.	PROPN
cjfa-30910	264	4	(	(	PUNCT
cjfa-30910	264	5	2006	2006	NUM
cjfa-30910	264	6	)	)	PUNCT
cjfa-30910	264	7	.	.	PUNCT
cjfa-30910	265	1	financing	finance	VERB
cjfa-30910	265	2	small	small	ADJ
cjfa-30910	265	3	and	and	CCONJ
cjfa-30910	265	4	medium	medium	ADJ
cjfa-30910	265	5	enterprises	enterprise	NOUN
cjfa-30910	265	6	in	in	ADP
cjfa-30910	265	7	africa	africa	PROPN
cjfa-30910	265	8	.	.	PUNCT
cjfa-30910	266	1	african	african	PROPN
cjfa-30910	266	2	technology	technology	PROPN
cjfa-30910	266	3	development	development	PROPN
cjfa-30910	266	4	forum	forum	PROPN
cjfa-30910	266	5	journal	journal	PROPN
cjfa-30910	266	6	,	,	PUNCT
cjfa-30910	266	7	3(2	3(2	NUM
cjfa-30910	266	8	)	)	PUNCT
cjfa-30910	266	9	,	,	PUNCT
cjfa-30910	266	10	122	122	NUM
cjfa-30910	266	11	-	-	SYM
cjfa-30910	266	12	129	129	NUM
cjfa-30910	266	13	.	.	PUNCT
cjfa-30910	267	1	kavitha	kavitha	PROPN
cjfa-30910	267	2	vani	vani	PROPN
cjfa-30910	267	3	,	,	PUNCT
cjfa-30910	267	4	s.d	s.d	PROPN
cjfa-30910	267	5	.	.	PROPN
cjfa-30910	267	6	(	(	PUNCT
cjfa-30910	267	7	2015	2015	NUM
cjfa-30910	267	8	)	)	PUNCT
cjfa-30910	267	9	.	.	PUNCT
cjfa-30910	268	1	a	a	DET
cjfa-30910	268	2	study	study	NOUN
cjfa-30910	268	3	of	of	ADP
cjfa-30910	268	4	finance	finance	NOUN
cjfa-30910	268	5	gap	gap	NOUN
cjfa-30910	268	6	between	between	ADP
cjfa-30910	268	7	commercial	commercial	ADJ
cjfa-30910	268	8	banks	bank	NOUN
cjfa-30910	268	9	and	and	CCONJ
cjfa-30910	268	10	micro	micro	ADJ
cjfa-30910	268	11	small	small	ADJ
cjfa-30910	268	12	and	and	CCONJ
cjfa-30910	268	13	medium	medium	ADJ
cjfa-30910	268	14	enterprises	enterprise	NOUN
cjfa-30910	268	15	with	with	ADP
cjfa-30910	268	16	reference	reference	NOUN
cjfa-30910	268	17	to	to	ADP
cjfa-30910	268	18	karnataka	karnataka	PROPN
cjfa-30910	268	19	.	.	PUNCT
cjfa-30910	269	1	published	publish	VERB
cjfa-30910	269	2	ph.d	ph.d	PROPN
cjfa-30910	269	3	.	.	PUNCT
cjfa-30910	270	1	thesis	thesis	NOUN
cjfa-30910	270	2	.	.	PUNCT
cjfa-30910	271	1	mysore	mysore	NOUN
cjfa-30910	271	2	:	:	PUNCT
cjfa-30910	271	3	university	university	NOUN
cjfa-30910	271	4	of	of	ADP
cjfa-30910	271	5	mysore	mysore	PROPN
cjfa-30910	271	6	.	.	PUNCT
cjfa-30910	272	1	king	king	PROPN
cjfa-30910	272	2	,	,	PUNCT
cjfa-30910	272	3	r.g	r.g	PROPN
cjfa-30910	272	4	.	.	PROPN
cjfa-30910	272	5	,	,	PUNCT
cjfa-30910	272	6	&	&	CCONJ
cjfa-30910	272	7	levine	levine	PROPN
cjfa-30910	272	8	,	,	PUNCT
cjfa-30910	272	9	r.	r.	PROPN
cjfa-30910	272	10	(	(	PUNCT
cjfa-30910	272	11	1993	1993	NUM
cjfa-30910	272	12	)	)	PUNCT
cjfa-30910	272	13	.	.	PUNCT
cjfa-30910	273	1	finance	finance	NOUN
cjfa-30910	273	2	and	and	CCONJ
cjfa-30910	273	3	growth	growth	NOUN
cjfa-30910	273	4	:	:	PUNCT
cjfa-30910	273	5	schumpeter	schumpeter	NOUN
cjfa-30910	273	6	might	might	AUX
cjfa-30910	273	7	be	be	AUX
cjfa-30910	273	8	right	right	ADJ
cjfa-30910	273	9	.	.	PUNCT
cjfa-30910	274	1	quarterly	quarterly	ADJ
cjfa-30910	274	2	journal	journal	NOUN
cjfa-30910	274	3	of	of	ADP
cjfa-30910	274	4	economics	economic	NOUN
cjfa-30910	274	5	,	,	PUNCT
cjfa-30910	274	6	108(3	108(3	NUM
cjfa-30910	274	7	)	)	PUNCT
cjfa-30910	274	8	,	,	PUNCT
cjfa-30910	274	9	717	717	NUM
cjfa-30910	274	10	-	-	SYM
cjfa-30910	274	11	737	737	NUM
cjfa-30910	274	12	.	.	PUNCT
cjfa-30910	275	1	https://dx.doi.org/10.2307/2118406	https://dx.doi.org/10.2307/2118406	PROPN
cjfa-30910	275	2	.	.	PUNCT
cjfa-30910	276	1	li	li	PROPN
cjfa-30910	276	2	,	,	PUNCT
cjfa-30910	276	3	z.f	z.f	PROPN
cjfa-30910	276	4	.	.	PROPN
cjfa-30910	276	5	(	(	PUNCT
cjfa-30910	276	6	2016	2016	NUM
cjfa-30910	276	7	)	)	PUNCT
cjfa-30910	276	8	.	.	PUNCT
cjfa-30910	277	1	analysis	analysis	NOUN
cjfa-30910	277	2	on	on	ADP
cjfa-30910	277	3	sources	source	NOUN
cjfa-30910	277	4	of	of	ADP
cjfa-30910	277	5	finance	finance	NOUN
cjfa-30910	277	6	and	and	CCONJ
cjfa-30910	277	7	difficulties	difficulty	NOUN
cjfa-30910	277	8	in	in	ADP
cjfa-30910	277	9	raising	raise	VERB
cjfa-30910	277	10	finance	finance	NOUN
cjfa-30910	277	11	for	for	ADP
cjfa-30910	277	12	small	small	ADJ
cjfa-30910	277	13	and	and	CCONJ
cjfa-30910	277	14	medium	medium	ADJ
cjfa-30910	277	15	sized	sized	ADJ
cjfa-30910	277	16	companies	company	NOUN
cjfa-30910	277	17	.	.	PUNCT
cjfa-30910	278	1	international	international	ADJ
cjfa-30910	278	2	journal	journal	PROPN
cjfa-30910	278	3	of	of	ADP
cjfa-30910	278	4	business	business	NOUN
cjfa-30910	278	5	and	and	CCONJ
cjfa-30910	278	6	management	management	NOUN
cjfa-30910	278	7	,	,	PUNCT
cjfa-30910	278	8	12(3	12(3	NUM
cjfa-30910	278	9	)	)	PUNCT
cjfa-30910	278	10	,	,	PUNCT
cjfa-30910	278	11	27	27	NUM
cjfa-30910	278	12	-	-	SYM
cjfa-30910	278	13	38	38	NUM
cjfa-30910	278	14	.	.	PUNCT
cjfa-30910	279	1	https://dx.doi.org/10.3968/8450	https://dx.doi.org/10.3968/8450	NOUN
cjfa-30910	279	2	.	.	PUNCT
cjfa-30910	280	1	mckinnon	mckinnon	PROPN
cjfa-30910	280	2	,	,	PUNCT
cjfa-30910	280	3	r.i	r.i	PROPN
cjfa-30910	280	4	.	.	PROPN
cjfa-30910	280	5	(	(	PUNCT
cjfa-30910	280	6	1973	1973	NUM
cjfa-30910	280	7	)	)	PUNCT
cjfa-30910	280	8	,	,	PUNCT
cjfa-30910	280	9	money	money	NOUN
cjfa-30910	280	10	and	and	CCONJ
cjfa-30910	280	11	capital	capital	NOUN
cjfa-30910	280	12	in	in	ADP
cjfa-30910	280	13	economic	economic	ADJ
cjfa-30910	280	14	development	development	NOUN
cjfa-30910	280	15	.	.	PUNCT
cjfa-30910	281	1	washington	washington	PROPN
cjfa-30910	281	2	,	,	PUNCT
cjfa-30910	281	3	d.c	d.c	PROPN
cjfa-30910	281	4	.	.	PUNCT
cjfa-30910	281	5	:	:	PUNCT
cjfa-30910	282	1	brookings	brookings	PROPN
cjfa-30910	282	2	institutes	institutes	PROPN
cjfa-30910	282	3	.	.	PUNCT
cjfa-30910	283	1	oke	oke	PROPN
cjfa-30910	283	2	,	,	PUNCT
cjfa-30910	283	3	m.o	m.o	PROPN
cjfa-30910	283	4	.	.	PROPN
cjfa-30910	283	5	,	,	PUNCT
cjfa-30910	283	6	&	&	CCONJ
cjfa-30910	283	7	aluko	aluko	PROPN
cjfa-30910	283	8	,	,	PUNCT
cjfa-30910	283	9	o.a	o.a	PROPN
cjfa-30910	283	10	.	.	PROPN
cjfa-30910	283	11	(	(	PUNCT
cjfa-30910	283	12	2015	2015	NUM
cjfa-30910	283	13	)	)	PUNCT
cjfa-30910	283	14	.	.	PUNCT
cjfa-30910	284	1	impact	impact	NOUN
cjfa-30910	284	2	of	of	ADP
cjfa-30910	284	3	commercial	commercial	ADJ
cjfa-30910	284	4	banks	bank	NOUN
cjfa-30910	284	5	on	on	ADP
cjfa-30910	284	6	small	small	ADJ
cjfa-30910	284	7	and	and	CCONJ
cjfa-30910	284	8	medium	medium	ADJ
cjfa-30910	284	9	enterprises	enterprise	NOUN
cjfa-30910	284	10	financing	financing	NOUN
cjfa-30910	284	11	in	in	ADP
cjfa-30910	284	12	nigeria	nigeria	PROPN
cjfa-30910	284	13	.	.	PUNCT
cjfa-30910	285	1	journal	journal	PROPN
cjfa-30910	285	2	of	of	ADP
cjfa-30910	285	3	business	business	NOUN
cjfa-30910	285	4	and	and	CCONJ
cjfa-30910	285	5	management	management	NOUN
cjfa-30910	285	6	,	,	PUNCT
cjfa-30910	285	7	17(4	17(4	NUM
cjfa-30910	285	8	)	)	PUNCT
cjfa-30910	285	9	,	,	PUNCT
cjfa-30910	285	10	23	23	NUM
cjfa-30910	285	11	-	-	SYM
cjfa-30910	285	12	26	26	NUM
cjfa-30910	285	13	.	.	PUNCT
cjfa-30910	286	1	https://dx.doi.org/10.9790/487x-17412326	https://dx.doi.org/10.9790/487x-17412326	NOUN
cjfa-30910	286	2	.	.	PUNCT
cjfa-30910	287	1	oluitan	oluitan	PROPN
cjfa-30910	287	2	,	,	PUNCT
cjfa-30910	287	3	r.	r.	PROPN
cjfa-30910	287	4	(	(	PUNCT
cjfa-30910	287	5	2014	2014	NUM
cjfa-30910	287	6	)	)	PUNCT
cjfa-30910	287	7	.	.	PUNCT
cjfa-30910	288	1	impact	impact	NOUN
cjfa-30910	288	2	of	of	ADP
cjfa-30910	288	3	commercial	commercial	ADJ
cjfa-30910	288	4	bank	bank	NOUN
cjfa-30910	288	5	funding	funding	NOUN
cjfa-30910	288	6	on	on	ADP
cjfa-30910	288	7	small	small	ADJ
cjfa-30910	288	8	and	and	CCONJ
cjfa-30910	288	9	medium	medium	ADJ
cjfa-30910	288	10	scale	scale	NOUN
cjfa-30910	288	11	enterprises	enterprise	NOUN
cjfa-30910	288	12	in	in	ADP
cjfa-30910	288	13	nigeria	nigeria	PROPN
cjfa-30910	288	14	.	.	PUNCT
cjfa-30910	289	1	international	international	ADJ
cjfa-30910	289	2	journal	journal	PROPN
cjfa-30910	289	3	of	of	ADP
cjfa-30910	289	4	financial	financial	ADJ
cjfa-30910	289	5	markets	market	NOUN
cjfa-30910	289	6	,	,	PUNCT
cjfa-30910	289	7	1(2	1(2	NUM
cjfa-30910	289	8	)	)	PUNCT
cjfa-30910	289	9	,	,	PUNCT
cjfa-30910	289	10	62	62	NUM
cjfa-30910	289	11	-	-	SYM
cjfa-30910	289	12	69	69	NUM
cjfa-30910	289	13	.	.	PUNCT
cjfa-30910	290	1	owenvbiugie	owenvbiugie	PROPN
cjfa-30910	290	2	,	,	PUNCT
cjfa-30910	290	3	r.o	r.o	PROPN
cjfa-30910	290	4	.	.	PROPN
cjfa-30910	290	5	,	,	PUNCT
cjfa-30910	290	6	&	&	CCONJ
cjfa-30910	290	7	igbinedion	igbinedion	PROPN
cjfa-30910	290	8	,	,	PUNCT
cjfa-30910	290	9	v.i	v.i	PROPN
cjfa-30910	290	10	.	.	PROPN
cjfa-30910	290	11	(	(	PUNCT
cjfa-30910	290	12	2015	2015	NUM
cjfa-30910	290	13	)	)	PUNCT
cjfa-30910	290	14	.	.	PUNCT
cjfa-30910	291	1	role	role	NOUN
cjfa-30910	291	2	of	of	ADP
cjfa-30910	291	3	finance	finance	NOUN
cjfa-30910	291	4	on	on	ADP
cjfa-30910	291	5	the	the	DET
cjfa-30910	291	6	growth	growth	NOUN
cjfa-30910	291	7	of	of	ADP
cjfa-30910	291	8	small	small	ADJ
cjfa-30910	291	9	and	and	CCONJ
cjfa-30910	291	10	medium	medium	ADJ
cjfa-30910	291	11	scale	scale	NOUN
cjfa-30910	291	12	enterprises	enterprise	NOUN
cjfa-30910	291	13	in	in	ADP
cjfa-30910	291	14	edo	edo	PROPN
cjfa-30910	291	15	state	state	NOUN
cjfa-30910	291	16	of	of	ADP
cjfa-30910	291	17	nigeria	nigeria	PROPN
cjfa-30910	291	18	.	.	PUNCT
cjfa-30910	292	1	journal	journal	PROPN
cjfa-30910	292	2	of	of	ADP
cjfa-30910	292	3	educational	educational	ADJ
cjfa-30910	292	4	and	and	CCONJ
cjfa-30910	292	5	social	social	ADJ
cjfa-30910	292	6	research	research	NOUN
cjfa-30910	292	7	,	,	PUNCT
cjfa-30910	292	8	5(1	5(1	NUM
cjfa-30910	292	9	)	)	PUNCT
cjfa-30910	292	10	,	,	PUNCT
cjfa-30910	292	11	241	241	NUM
cjfa-30910	292	12	-	-	SYM
cjfa-30910	292	13	247	247	NUM
cjfa-30910	292	14	.	.	PUNCT
cjfa-30910	293	1	https://dx.doi.org/10.5901/jesr.2015.v5n1p241	https://dx.doi.org/10.5901/jesr.2015.v5n1p241	NOUN
cjfa-30910	293	2	.	.	PUNCT
cjfa-30910	293	3	owolabi	owolabi	NOUN
cjfa-30910	293	4	,	,	PUNCT
cjfa-30910	293	5	o.a	o.a	PROPN
cjfa-30910	293	6	.	.	PROPN
cjfa-30910	293	7	,	,	PUNCT
cjfa-30910	293	8	&	&	CCONJ
cjfa-30910	293	9	nasiru	nasiru	PROPN
cjfa-30910	293	10	,	,	PUNCT
cjfa-30910	293	11	d.	d.	PROPN
cjfa-30910	293	12	(	(	PUNCT
cjfa-30910	293	13	2017	2017	NUM
cjfa-30910	293	14	)	)	PUNCT
cjfa-30910	293	15	.	.	PUNCT
cjfa-30910	294	1	deposit	deposit	NOUN
cjfa-30910	294	2	money	money	NOUN
cjfa-30910	294	3	credit	credit	NOUN
cjfa-30910	294	4	to	to	ADP
cjfa-30910	294	5	small	small	ADJ
cjfa-30910	294	6	and	and	CCONJ
cjfa-30910	294	7	medium	medium	ADJ
cjfa-30910	294	8	scale	scale	NOUN
cjfa-30910	294	9	enterprises	enterprise	NOUN
cjfa-30910	294	10	,	,	PUNCT
cjfa-30910	294	11	socioe	socioe	NOUN
cjfa-30910	294	12	-	-	PUNCT
cjfa-30910	294	13	conomic	conomic	NOUN
cjfa-30910	294	14	performance	performance	NOUN
cjfa-30910	294	15	and	and	CCONJ
cjfa-30910	294	16	economic	economic	ADJ
cjfa-30910	294	17	growth	growth	NOUN
cjfa-30910	294	18	in	in	ADP
cjfa-30910	294	19	nigeria	nigeria	PROPN
cjfa-30910	294	20	.	.	PUNCT
cjfa-30910	295	1	international	international	ADJ
cjfa-30910	295	2	journal	journal	PROPN
cjfa-30910	295	3	of	of	ADP
cjfa-30910	295	4	development	development	NOUN
cjfa-30910	295	5	and	and	CCONJ
cjfa-30910	295	6	sustainability	sustainability	NOUN
cjfa-30910	295	7	,	,	PUNCT
cjfa-30910	295	8	6(10	6(10	NUM
cjfa-30910	295	9	)	)	PUNCT
cjfa-30910	295	10	,	,	PUNCT
cjfa-30910	295	11	1400	1400	NUM
cjfa-30910	295	12	-	-	SYM
cjfa-30910	295	13	1417	1417	NUM
cjfa-30910	295	14	.	.	PUNCT
cjfa-30910	296	1	schiffer	schiffer	NOUN
cjfa-30910	296	2	,	,	PUNCT
cjfa-30910	296	3	m.	m.	NOUN
cjfa-30910	296	4	,	,	PUNCT
cjfa-30910	296	5	&	&	CCONJ
cjfa-30910	296	6	weder	weder	PROPN
cjfa-30910	296	7	,	,	PUNCT
cjfa-30910	296	8	b.	b.	PROPN
cjfa-30910	296	9	(	(	PUNCT
cjfa-30910	296	10	2001	2001	NUM
cjfa-30910	296	11	)	)	PUNCT
cjfa-30910	296	12	.	.	PUNCT
cjfa-30910	297	1	firm	firm	ADJ
cjfa-30910	297	2	size	size	NOUN
cjfa-30910	297	3	and	and	CCONJ
cjfa-30910	297	4	the	the	DET
cjfa-30910	297	5	business	business	NOUN
cjfa-30910	297	6	environment	environment	NOUN
cjfa-30910	297	7	:	:	PUNCT
cjfa-30910	297	8	worldwide	worldwide	ADJ
cjfa-30910	297	9	survey	survey	NOUN
cjfa-30910	297	10	results	result	VERB
cjfa-30910	297	11	.	.	PUNCT
cjfa-30910	298	1	ifc	ifc	NOUN
cjfa-30910	298	2	discussion	discussion	NOUN
cjfa-30910	298	3	paper	paper	NOUN
cjfa-30910	298	4	,	,	PUNCT
cjfa-30910	298	5	43	43	NUM
cjfa-30910	298	6	,	,	PUNCT
cjfa-30910	298	7	https://openknowledge.worldbank.org/	https://openknowledge.worldbank.org/	ADJ
cjfa-30910	298	8	bitstream	bitstream	NOUN
cjfa-30910	298	9	/	/	SYM
cjfa-30910	298	10	handle/10986/13988	handle/10986/13988	NOUN
cjfa-30910	298	11	/	/	SYM
cjfa-30910	298	12	multi0page.pdf	multi0page.pdf	NOUN
cjfa-30910	298	13	(	(	PUNCT
cjfa-30910	298	14	accessed	access	VERB
cjfa-30910	298	15	:	:	PUNCT
cjfa-30910	298	16	5.10.2018	5.10.2018	NUM
cjfa-30910	298	17	)	)	PUNCT
cjfa-30910	298	18	.	.	PUNCT
cjfa-30910	299	1	schumpeter	schumpeter	NOUN
cjfa-30910	299	2	,	,	PUNCT
cjfa-30910	299	3	j.a	j.a	PROPN
cjfa-30910	299	4	.	.	PROPN
cjfa-30910	299	5	(	(	PUNCT
cjfa-30910	299	6	1911	1911	NUM
cjfa-30910	299	7	)	)	PUNCT
cjfa-30910	299	8	.	.	PUNCT
cjfa-30910	300	1	the	the	DET
cjfa-30910	300	2	theory	theory	NOUN
cjfa-30910	300	3	of	of	ADP
cjfa-30910	300	4	economic	economic	ADJ
cjfa-30910	300	5	development	development	NOUN
cjfa-30910	300	6	.	.	PUNCT
cjfa-30910	301	1	cambridge	cambridge	PROPN
cjfa-30910	301	2	:	:	PUNCT
cjfa-30910	301	3	harvard	harvard	PROPN
cjfa-30910	301	4	university	university	PROPN
cjfa-30910	301	5	press	press	NOUN
cjfa-30910	301	6	.	.	PUNCT
cjfa-30910	302	1	shaw	shaw	PROPN
cjfa-30910	302	2	,	,	PUNCT
cjfa-30910	302	3	e.s	e.s	PROPN
cjfa-30910	302	4	.	.	PROPN
cjfa-30910	302	5	(	(	PUNCT
cjfa-30910	302	6	1973	1973	NUM
cjfa-30910	302	7	)	)	PUNCT
cjfa-30910	302	8	.	.	PUNCT
cjfa-30910	303	1	financial	financial	ADJ
cjfa-30910	303	2	deepening	deepen	VERB
cjfa-30910	303	3	in	in	ADP
cjfa-30910	303	4	economic	economic	ADJ
cjfa-30910	303	5	development	development	NOUN
cjfa-30910	303	6	.	.	PUNCT
cjfa-30910	304	1	london	london	PROPN
cjfa-30910	304	2	:	:	PUNCT
cjfa-30910	304	3	oxford	oxford	PROPN
cjfa-30910	304	4	university	university	PROPN
cjfa-30910	304	5	press	press	NOUN
cjfa-30910	304	6	.	.	PUNCT
cjfa-30910	305	1	small	small	ADJ
cjfa-30910	305	2	and	and	CCONJ
cjfa-30910	305	3	medium	medium	ADJ
cjfa-30910	305	4	enterprises	enterprise	NOUN
cjfa-30910	305	5	development	development	NOUN
cjfa-30910	305	6	agency	agency	PROPN
cjfa-30910	305	7	of	of	ADP
cjfa-30910	305	8	nigeria	nigeria	PROPN
cjfa-30910	305	9	(	(	PUNCT
cjfa-30910	305	10	smedan	smedan	PROPN
cjfa-30910	305	11	)	)	PUNCT
cjfa-30910	305	12	(	(	PUNCT
cjfa-30910	305	13	2015	2015	NUM
cjfa-30910	305	14	)	)	PUNCT
cjfa-30910	305	15	.	.	PUNCT
cjfa-30910	306	1	national	national	ADJ
cjfa-30910	306	2	policy	policy	NOUN
cjfa-30910	306	3	on	on	ADP
cjfa-30910	306	4	micro	micro	PROPN
cjfa-30910	306	5	,	,	PUNCT
cjfa-30910	306	6	small	small	ADJ
cjfa-30910	306	7	and	and	CCONJ
cjfa-30910	306	8	medium	medium	ADJ
cjfa-30910	306	9	enterprises	enterprise	NOUN
cjfa-30910	306	10	,	,	PUNCT
cjfa-30910	306	11	https://www.smedan.gov	https://www.smedan.gov	PROPN
cjfa-30910	306	12	.	.	PUNCT
cjfa-30910	307	1	ng	ng	PROPN
cjfa-30910	307	2	/	/	SYM
cjfa-30910	307	3	images	image	NOUN
cjfa-30910	307	4	/	/	SYM
cjfa-30910	307	5	pdf	pdf	NOUN
cjfa-30910	307	6	/	/	SYM
cjfa-30910	307	7	national	national	ADJ
cjfa-30910	307	8	-	-	PUNCT
cjfa-30910	307	9	policy	policy	NOUN
cjfa-30910	307	10	-	-	PUNCT
cjfa-30910	307	11	on	on	ADP
cjfa-30910	307	12	-	-	PUNCT
cjfa-30910	307	13	msmesnew.pdf	msmesnew.pdf	NOUN
cjfa-30910	307	14	(	(	PUNCT
cjfa-30910	307	15	accessed	access	VERB
cjfa-30910	307	16	:	:	PUNCT
cjfa-30910	307	17	10.11.2018	10.11.2018	NUM
cjfa-30910	307	18	)	)	PUNCT
cjfa-30910	307	19	.	.	PUNCT
cjfa-30910	308	1	tumwine	tumwine	PROPN
cjfa-30910	308	2	,	,	PUNCT
cjfa-30910	308	3	s.	s.	PROPN
cjfa-30910	308	4	,	,	PUNCT
cjfa-30910	308	5	akinsimire	akinsimire	NOUN
cjfa-30910	308	6	,	,	PUNCT
cjfa-30910	308	7	r.	r.	PROPN
cjfa-30910	308	8	,	,	PUNCT
cjfa-30910	308	9	kamukama	kamukama	PROPN
cjfa-30910	308	10	,	,	PUNCT
cjfa-30910	308	11	n.	n.	NOUN
cjfa-30910	308	12	,	,	PUNCT
cjfa-30910	308	13	&	&	CCONJ
cjfa-30910	308	14	mutaremwa	mutaremwa	PROPN
cjfa-30910	308	15	,	,	PUNCT
cjfa-30910	308	16	g.	g.	PROPN
cjfa-30910	308	17	(	(	PUNCT
cjfa-30910	308	18	2015	2015	NUM
cjfa-30910	308	19	)	)	PUNCT
cjfa-30910	308	20	.	.	PUNCT
cjfa-30910	309	1	a	a	DET
cjfa-30910	309	2	borrowing	borrowing	NOUN
cjfa-30910	309	3	cost	cost	NOUN
cjfa-30910	309	4	model	model	NOUN
cjfa-30910	309	5	for	for	ADP
cjfa-30910	309	6	effective	effective	ADJ
cjfa-30910	309	7	performance	performance	NOUN
cjfa-30910	309	8	of	of	ADP
cjfa-30910	309	9	small	small	ADJ
cjfa-30910	309	10	and	and	CCONJ
cjfa-30910	309	11	medium	medium	ADJ
cjfa-30910	309	12	enterprises	enterprise	NOUN
cjfa-30910	309	13	in	in	ADP
cjfa-30910	309	14	uganda	uganda	PROPN
cjfa-30910	309	15	.	.	PUNCT
cjfa-30910	310	1	world	world	PROPN
cjfa-30910	310	2	journal	journal	PROPN
cjfa-30910	310	3	of	of	ADP
cjfa-30910	310	4	entrepreneurship	entrepreneurship	NOUN
cjfa-30910	310	5	management	management	NOUN
cjfa-30910	310	6	and	and	CCONJ
cjfa-30910	310	7	sustainable	sustainable	ADJ
cjfa-30910	310	8	development	development	NOUN
cjfa-30910	310	9	,	,	PUNCT
cjfa-30910	310	10	11(2	11(2	NUM
cjfa-30910	310	11	)	)	PUNCT
cjfa-30910	310	12	,	,	PUNCT
cjfa-30910	310	13	74	74	NUM
cjfa-30910	310	14	-	-	SYM
cjfa-30910	310	15	84	84	NUM
cjfa-30910	310	16	.	.	PUNCT
cjfa-30910	311	1	https://dx.doi.org/10.1108/wjemsd-03-2014-0009	https://dx.doi.org/10.1108/wjemsd-03-2014-0009	X
cjfa-30910	311	2	.	.	PUNCT
cjfa-30910	312	1	ubesie	ubesie	PROPN
cjfa-30910	312	2	,	,	PUNCT
cjfa-30910	312	3	m.c	m.c	PROPN
cjfa-30910	312	4	.	.	PROPN
cjfa-30910	312	5	,	,	PUNCT
cjfa-30910	312	6	onuaguluchi	onuaguluchi	PROPN
cjfa-30910	312	7	,	,	PUNCT
cjfa-30910	312	8	i.f	i.f	PROPN
cjfa-30910	312	9	.	.	PROPN
cjfa-30910	312	10	,	,	PUNCT
cjfa-30910	312	11	&	&	CCONJ
cjfa-30910	312	12	mbah	mbah	PROPN
cjfa-30910	312	13	,	,	PUNCT
cjfa-30910	312	14	a.m.	a.m.	PROPN
cjfa-30910	312	15	(	(	PUNCT
cjfa-30910	312	16	2017	2017	NUM
cjfa-30910	312	17	)	)	PUNCT
cjfa-30910	312	18	.	.	PUNCT
cjfa-30910	313	1	effect	effect	NOUN
cjfa-30910	313	2	of	of	ADP
cjfa-30910	313	3	deposit	deposit	NOUN
cjfa-30910	313	4	money	money	NOUN
cjfa-30910	313	5	banks	bank	NOUN
cjfa-30910	313	6	credit	credit	NOUN
cjfa-30910	313	7	on	on	ADP
cjfa-30910	313	8	small	small	ADJ
cjfa-30910	313	9	and	and	CCONJ
cjfa-30910	313	10	medium	medium	ADJ
cjfa-30910	313	11	scale	scale	NOUN
cjfa-30910	313	12	enterprises	enterprise	NOUN
cjfa-30910	313	13	growth	growth	NOUN
cjfa-30910	313	14	in	in	ADP
cjfa-30910	313	15	nigeria	nigeria	PROPN
cjfa-30910	313	16	.	.	PUNCT
cjfa-30910	314	1	internationmubaraq	internationmubaraq	PROPN
cjfa-30910	314	2	sanni	sanni	PROPN
cjfa-30910	314	3	,	,	PUNCT
cjfa-30910	314	4	lukman	lukman	PROPN
cjfa-30910	314	5	adebayo	adebayo	PROPN
cjfa-30910	314	6	oke	oke	PROPN
cjfa-30910	314	7	,	,	PUNCT
cjfa-30910	314	8	idayat	idayat	PROPN
cjfa-30910	314	9	titilayo	titilayo	PROPN
cjfa-30910	314	10	alayande64	alayande64	PROPN
cjfa-30910	314	11	al	al	PROPN
cjfa-30910	314	12	journal	journal	PROPN
cjfa-30910	314	13	of	of	ADP
cjfa-30910	314	14	finance	finance	NOUN
cjfa-30910	314	15	and	and	CCONJ
cjfa-30910	314	16	accounting	accounting	NOUN
cjfa-30910	314	17	,	,	PUNCT
cjfa-30910	314	18	6(5	6(5	NUM
cjfa-30910	314	19	)	)	PUNCT
cjfa-30910	314	20	,	,	PUNCT
cjfa-30910	314	21	117	117	NUM
cjfa-30910	314	22	-	-	SYM
cjfa-30910	314	23	132	132	NUM
cjfa-30910	314	24	.	.	PUNCT
cjfa-30910	315	1	https://dx.doi.org/10.5923/j	https://dx.doi.org/10.5923/j	NOUN
cjfa-30910	315	2	.	.	PUNCT
cjfa-30910	315	3	ijfa.20170605.01	ijfa.20170605.01	NOUN
cjfa-30910	315	4	.	.	PUNCT
cjfa-30910	315	5	yamane	yamane	PROPN
cjfa-30910	315	6	,	,	PUNCT
cjfa-30910	315	7	t.	t.	PROPN
cjfa-30910	315	8	(	(	PUNCT
cjfa-30910	315	9	1967	1967	NUM
cjfa-30910	315	10	)	)	PUNCT
cjfa-30910	315	11	.	.	PUNCT
cjfa-30910	316	1	statistics	statistic	NOUN
cjfa-30910	316	2	:	:	PUNCT
cjfa-30910	316	3	an	an	DET
cjfa-30910	316	4	introductory	introductory	ADJ
cjfa-30910	316	5	analysis	analysis	NOUN
cjfa-30910	316	6	(	(	PUNCT
cjfa-30910	316	7	2nd	2nd	ADJ
cjfa-30910	316	8	ed	ed	NOUN
cjfa-30910	316	9	.	.	PUNCT
cjfa-30910	316	10	)	)	PUNCT
cjfa-30910	316	11	.	.	PUNCT
cjfa-30910	317	1	new	new	PROPN
cjfa-30910	317	2	york	york	PROPN
cjfa-30910	317	3	:	:	PUNCT
cjfa-30910	317	4	harper	harper	NOUN
cjfa-30910	317	5	and	and	CCONJ
cjfa-30910	317	6	row	row	NOUN
cjfa-30910	317	7	.	.	PUNCT
cjfa-30910	318	1	zhiri	zhiri	PROPN
cjfa-30910	318	2	,	,	PUNCT
cjfa-30910	318	3	d.d	d.d	PROPN
cjfa-30910	318	4	.	.	PROPN
cjfa-30910	318	5	(	(	PUNCT
cjfa-30910	318	6	2017	2017	NUM
cjfa-30910	318	7	)	)	PUNCT
cjfa-30910	318	8	.	.	PUNCT
cjfa-30910	319	1	impact	impact	NOUN
cjfa-30910	319	2	of	of	ADP
cjfa-30910	319	3	microfinance	microfinance	NOUN
cjfa-30910	319	4	services	service	NOUN
cjfa-30910	319	5	on	on	ADP
cjfa-30910	319	6	performance	performance	NOUN
cjfa-30910	319	7	of	of	ADP
cjfa-30910	319	8	small	small	ADJ
cjfa-30910	319	9	and	and	CCONJ
cjfa-30910	319	10	medium	medium	ADJ
cjfa-30910	319	11	scale	scale	NOUN
cjfa-30910	319	12	enterprises	enterprise	NOUN
cjfa-30910	319	13	(	(	PUNCT
cjfa-30910	319	14	smes	sme	NOUN
cjfa-30910	319	15	)	)	PUNCT
cjfa-30910	319	16	in	in	ADP
cjfa-30910	319	17	zaria	zaria	PROPN
cjfa-30910	319	18	metropolis	metropolis	PROPN
cjfa-30910	319	19	.	.	PUNCT
cjfa-30910	320	1	international	international	ADJ
cjfa-30910	320	2	journal	journal	PROPN
cjfa-30910	320	3	of	of	ADP
cjfa-30910	320	4	scientific	scientific	ADJ
cjfa-30910	320	5	research	research	NOUN
cjfa-30910	320	6	in	in	ADP
cjfa-30910	320	7	social	social	ADJ
cjfa-30910	320	8	sciences	science	NOUN
cjfa-30910	320	9	and	and	CCONJ
cjfa-30910	320	10	management	management	NOUN
cjfa-30910	320	11	studies	study	NOUN
cjfa-30910	320	12	,	,	PUNCT
cjfa-30910	320	13	2(1	2(1	NUM
cjfa-30910	320	14	)	)	PUNCT
cjfa-30910	320	15	,	,	PUNCT
cjfa-30910	320	16	49	49	NUM
cjfa-30910	320	17	-	-	SYM
cjfa-30910	320	18	65	65	NUM
cjfa-30910	320	19	.	.	PUNCT
cjfa-30910	321	1	appendix	appendix	VERB
cjfa-30910	321	2	1	1	NUM
cjfa-30910	321	3	sample	sample	NOUN
cjfa-30910	321	4	size	size	NOUN
cjfa-30910	321	5	and	and	CCONJ
cjfa-30910	321	6	sampling	sample	VERB
cjfa-30910	321	7	technique	technique	NOUN
cjfa-30910	321	8	s	s	NOUN
cjfa-30910	321	9	/	/	SYM
cjfa-30910	321	10	n	n	PRON
cjfa-30910	321	11	sector	sector	NOUN
cjfa-30910	321	12	(	(	PUNCT
cjfa-30910	321	13	stratum	stratum	NOUN
cjfa-30910	321	14	)	)	PUNCT
cjfa-30910	321	15	population	population	NOUN
cjfa-30910	321	16	1	1	NUM
cjfa-30910	321	17	manufacturing	manufacture	VERB
cjfa-30910	321	18	27	27	NUM
cjfa-30910	321	19	27/382	27/382	NUM
cjfa-30910	321	20	*	*	SYM
cjfa-30910	321	21	198	198	NUM
cjfa-30910	321	22	=	=	SYM
cjfa-30910	321	23	14	14	NUM
cjfa-30910	321	24	2	2	NUM
cjfa-30910	321	25	wholesale	wholesale	ADJ
cjfa-30910	321	26	and	and	CCONJ
cjfa-30910	321	27	retail	retail	ADJ
cjfa-30910	321	28	89	89	NUM
cjfa-30910	321	29	89/382	89/382	NUM
cjfa-30910	321	30	*	*	SYM
cjfa-30910	321	31	198	198	NUM
cjfa-30910	321	32	=	=	SYM
cjfa-30910	321	33	46	46	NUM
cjfa-30910	321	34	3	3	NUM
cjfa-30910	321	35	accommodation	accommodation	NOUN
cjfa-30910	321	36	and	and	CCONJ
cjfa-30910	321	37	food	food	NOUN
cjfa-30910	321	38	21	21	NUM
cjfa-30910	321	39	21/382	21/382	NUM
cjfa-30910	321	40	*	*	SYM
cjfa-30910	321	41	198	198	NUM
cjfa-30910	321	42	=	=	SYM
cjfa-30910	321	43	11	11	NUM
cjfa-30910	321	44	4	4	NUM
cjfa-30910	321	45	construction	construction	NOUN
cjfa-30910	321	46	35	35	NUM
cjfa-30910	321	47	35/382	35/382	NUM
cjfa-30910	321	48	*	*	SYM
cjfa-30910	321	49	198	198	NUM
cjfa-30910	321	50	=	=	SYM
cjfa-30910	321	51	18	18	NUM
cjfa-30910	321	52	5	5	NUM
cjfa-30910	321	53	water	water	NOUN
cjfa-30910	321	54	supply	supply	NOUN
cjfa-30910	321	55	56	56	NUM
cjfa-30910	321	56	56/382	56/382	NUM
cjfa-30910	321	57	*	*	SYM
cjfa-30910	321	58	198	198	NUM
cjfa-30910	321	59	=	=	SYM
cjfa-30910	321	60	29	29	NUM
cjfa-30910	321	61	6	6	NUM
cjfa-30910	321	62	waste	waste	NOUN
cjfa-30910	321	63	management	management	NOUN
cjfa-30910	321	64	8	8	NUM
cjfa-30910	321	65	8/382	8/382	NUM
cjfa-30910	321	66	*	*	SYM
cjfa-30910	321	67	198	198	NUM
cjfa-30910	321	68	=	=	SYM
cjfa-30910	321	69	4	4	NUM
cjfa-30910	321	70	7	7	NUM
cjfa-30910	321	71	transportation	transportation	NOUN
cjfa-30910	321	72	11	11	NUM
cjfa-30910	321	73	11/382	11/382	NUM
cjfa-30910	321	74	*	*	SYM
cjfa-30910	321	75	198	198	NUM
cjfa-30910	321	76	=	=	SYM
cjfa-30910	321	77	6	6	NUM
cjfa-30910	321	78	8	8	NUM
cjfa-30910	321	79	information	information	NOUN
cjfa-30910	321	80	and	and	CCONJ
cjfa-30910	321	81	communication	communication	NOUN
cjfa-30910	321	82	31	31	NUM
cjfa-30910	321	83	31/382	31/382	NUM
cjfa-30910	321	84	*	*	SYM
cjfa-30910	321	85	198	198	NUM
cjfa-30910	321	86	=	=	SYM
cjfa-30910	321	87	16	16	NUM
cjfa-30910	321	88	9	9	NUM
cjfa-30910	321	89	agriculture	agriculture	NOUN
cjfa-30910	321	90	48	48	NUM
cjfa-30910	321	91	48/382	48/382	NUM
cjfa-30910	321	92	*	*	SYM
cjfa-30910	321	93	198	198	NUM
cjfa-30910	321	94	=	=	SYM
cjfa-30910	321	95	25	25	NUM
cjfa-30910	321	96	10	10	NUM
cjfa-30910	321	97	education	education	NOUN
cjfa-30910	321	98	33	33	NUM
cjfa-30910	321	99	33/382	33/382	NUM
cjfa-30910	321	100	*	*	SYM
cjfa-30910	321	101	198	198	NUM
cjfa-30910	321	102	=	=	SYM
cjfa-30910	321	103	17	17	NUM
cjfa-30910	321	104	11	11	NUM
cjfa-30910	321	105	entertainment	entertainment	NOUN
cjfa-30910	321	106	23	23	NUM
cjfa-30910	321	107	23/382	23/382	NUM
cjfa-30910	321	108	*	*	SYM
cjfa-30910	321	109	198	198	NUM
cjfa-30910	321	110	=	=	SYM
cjfa-30910	321	111	12	12	NUM
cjfa-30910	321	112	total	total	NOUN
cjfa-30910	321	113	382	382	NUM
cjfa-30910	321	114	198	198	NUM
cjfa-30910	321	115	s	s	NOUN
cjfa-30910	321	116	o	o	NOUN
cjfa-30910	321	117	u	u	NOUN
cjfa-30910	321	118	r	r	NOUN
cjfa-30910	321	119	c	c	NOUN
cjfa-30910	321	120	e	e	NOUN
cjfa-30910	321	121	:	:	PUNCT
cjfa-30910	321	122	authors	author	NOUN
cjfa-30910	321	123	’	'	PUNCT
cjfa-30910	321	124	compilations	compilation	NOUN
cjfa-30910	321	125	and	and	CCONJ
cjfa-30910	321	126	computations	computation	NOUN
cjfa-30910	321	127	(	(	PUNCT
cjfa-30910	321	128	2019	2019	NUM
cjfa-30910	321	129	)	)	PUNCT
cjfa-30910	321	130	.	.	PUNCT