id	sid	tid	token	lemma	pos
cjfa-34390	1	1	date	date	NOUN
cjfa-34390	1	2	of	of	ADP
cjfa-34390	1	3	submission	submission	NOUN
cjfa-34390	1	4	:	:	PUNCT
cjfa-34390	1	5	september	september	PROPN
cjfa-34390	1	6	18	18	NUM
cjfa-34390	1	7	,	,	PUNCT
cjfa-34390	1	8	2020	2020	NUM
cjfa-34390	1	9	;	;	PUNCT
cjfa-34390	1	10	date	date	NOUN
cjfa-34390	1	11	of	of	ADP
cjfa-34390	1	12	acceptance	acceptance	NOUN
cjfa-34390	1	13	:	:	PUNCT
cjfa-34390	1	14	january	january	PROPN
cjfa-34390	1	15	3	3	NUM
cjfa-34390	1	16	,	,	PUNCT
cjfa-34390	1	17	2021	2021	NUM
cjfa-34390	1	18	.	.	PUNCT
cjfa-34390	2	1	*	*	PUNCT
cjfa-34390	2	2	contact	contact	NOUN
cjfa-34390	2	3	information	information	NOUN
cjfa-34390	2	4	:	:	PUNCT
cjfa-34390	2	5	ajibolamagaji@gmail.com	ajibolamagaji@gmail.com	PROPN
cjfa-34390	2	6	,	,	PUNCT
cjfa-34390	2	7	department	department	NOUN
cjfa-34390	2	8	of	of	ADP
cjfa-34390	2	9	accounting	accounting	NOUN
cjfa-34390	2	10	and	and	CCONJ
cjfa-34390	2	11	finance	finance	NOUN
cjfa-34390	2	12	,	,	PUNCT
cjfa-34390	2	13	kwara	kwara	PROPN
cjfa-34390	2	14	state	state	PROPN
cjfa-34390	2	15	university	university	PROPN
cjfa-34390	2	16	,	,	PUNCT
cjfa-34390	2	17	malete	malete	NOUN
cjfa-34390	2	18	,	,	PUNCT
cjfa-34390	2	19	nigeria	nigeria	PROPN
cjfa-34390	2	20	,	,	PUNCT
cjfa-34390	2	21	phone	phone	NOUN
cjfa-34390	2	22	:	:	PUNCT
cjfa-34390	2	23	+2347032873780	+2347032873780	NUM
cjfa-34390	2	24	;	;	PUNCT
cjfa-34390	2	25	orcid	orcid	NOUN
cjfa-34390	3	1	i	i	NOUN
cjfa-34390	3	2	d	d	NOUN
cjfa-34390	3	3	:	:	PUNCT
cjfa-34390	3	4	https://orcid.org/0000-0003-2293-3453	https://orcid.org/0000-0003-2293-3453	INTJ
cjfa-34390	3	5	.	.	PUNCT
cjfa-34390	4	1	*	*	PUNCT
cjfa-34390	4	2	*	*	PUNCT
cjfa-34390	4	3	contact	contact	NOUN
cjfa-34390	4	4	information	information	NOUN
cjfa-34390	4	5	:	:	PUNCT
cjfa-34390	5	1	oshoprint@gmail.com	oshoprint@gmail.com	PROPN
cjfa-34390	5	2	,	,	PUNCT
cjfa-34390	5	3	department	department	NOUN
cjfa-34390	5	4	of	of	ADP
cjfa-34390	5	5	accounting	accounting	NOUN
cjfa-34390	5	6	and	and	CCONJ
cjfa-34390	5	7	finance	finance	NOUN
cjfa-34390	5	8	,	,	PUNCT
cjfa-34390	5	9	kwara	kwara	PROPN
cjfa-34390	5	10	state	state	PROPN
cjfa-34390	5	11	university	university	PROPN
cjfa-34390	5	12	,	,	PUNCT
cjfa-34390	5	13	malete	malete	NOUN
cjfa-34390	5	14	,	,	PUNCT
cjfa-34390	5	15	nigeria	nigeria	PROPN
cjfa-34390	5	16	,	,	PUNCT
cjfa-34390	5	17	phone	phone	NOUN
cjfa-34390	5	18	:	:	PUNCT
cjfa-34390	5	19	+2347036215657	+2347036215657	NOUN
cjfa-34390	5	20	;	;	PUNCT
cjfa-34390	5	21	orcid	orcid	PROPN
cjfa-34390	5	22	i	i	NOUN
cjfa-34390	5	23	d	d	PROPN
cjfa-34390	5	24	:	:	PUNCT
cjfa-34390	5	25	https://orcid.org/0000-0003-1365-2860	https://orcid.org/0000-0003-1365-2860	PROPN
cjfa-34390	5	26	.	.	PUNCT
cjfa-34390	6	1	*	*	PUNCT
cjfa-34390	6	2	*	*	PUNCT
cjfa-34390	6	3	*	*	PUNCT
cjfa-34390	6	4	contact	contact	NOUN
cjfa-34390	6	5	information	information	NOUN
cjfa-34390	6	6	:	:	PUNCT
cjfa-34390	6	7	orimustrock@yahoo.com	orimustrock@yahoo.com	PROPN
cjfa-34390	6	8	,	,	PUNCT
cjfa-34390	6	9	department	department	NOUN
cjfa-34390	6	10	of	of	ADP
cjfa-34390	6	11	accountancy	accountancy	NOUN
cjfa-34390	6	12	,	,	PUNCT
cjfa-34390	6	13	the	the	DET
cjfa-34390	6	14	federal	federal	ADJ
cjfa-34390	6	15	polytechnic	polytechnic	ADJ
cjfa-34390	6	16	,	,	PUNCT
cjfa-34390	6	17	offa	offa	NOUN
cjfa-34390	6	18	,	,	PUNCT
cjfa-34390	6	19	nigeria	nigeria	PRON
cjfa-34390	6	20	,	,	PUNCT
cjfa-34390	6	21	phone	phone	NOUN
cjfa-34390	6	22	:	:	PUNCT
cjfa-34390	6	23	+2348032440434	+2348032440434	NUM
cjfa-34390	6	24	;	;	PUNCT
cjfa-34390	6	25	orcid	orcid	PROPN
cjfa-34390	7	1	i	i	NOUN
cjfa-34390	7	2	d	d	NOUN
cjfa-34390	7	3	:	:	PUNCT
cjfa-34390	7	4	https://orcid	https://orcid	PROPN
cjfa-34390	7	5	.	.	PUNCT
cjfa-34390	7	6	org/0000	org/0000	NOUN
cjfa-34390	7	7	-	-	PUNCT
cjfa-34390	7	8	0001	0001	NUM
cjfa-34390	7	9	-	-	PUNCT
cjfa-34390	7	10	5459	5459	NUM
cjfa-34390	7	11	-	-	PUNCT
cjfa-34390	7	12	3364	3364	NUM
cjfa-34390	7	13	.	.	PUNCT
cjfa-34390	8	1	copernican	copernican	PROPN
cjfa-34390	8	2	journal	journal	PROPN
cjfa-34390	8	3	of	of	ADP
cjfa-34390	8	4	finance	finance	PROPN
cjfa-34390	8	5	&	&	CCONJ
cjfa-34390	8	6	accounting	accounting	PROPN
cjfa-34390	8	7	e	e	PROPN
cjfa-34390	8	8	-	-	PROPN
cjfa-34390	8	9	issn	issn	PROPN
cjfa-34390	8	10	2300	2300	NUM
cjfa-34390	8	11	-	-	SYM
cjfa-34390	8	12	3065	3065	NUM
cjfa-34390	8	13	p	p	PROPN
cjfa-34390	8	14	-	-	PUNCT
cjfa-34390	8	15	issn	issn	PROPN
cjfa-34390	8	16	2300	2300	NUM
cjfa-34390	8	17	-	-	SYM
cjfa-34390	8	18	12402020	12402020	NUM
cjfa-34390	8	19	,	,	PUNCT
cjfa-34390	8	20	volume	volume	NOUN
cjfa-34390	8	21	9	9	NUM
cjfa-34390	8	22	,	,	PUNCT
cjfa-34390	8	23	issue	issue	NOUN
cjfa-34390	8	24	4	4	NUM
cjfa-34390	8	25	ajibola	ajibola	PROPN
cjfa-34390	8	26	,	,	PUNCT
cjfa-34390	8	27	i.m	i.m	PROPN
cjfa-34390	8	28	.	.	PROPN
cjfa-34390	8	29	,	,	PUNCT
cjfa-34390	8	30	saheed	sahee	VERB
cjfa-34390	8	31	,	,	PUNCT
cjfa-34390	8	32	d.o	d.o	PROPN
cjfa-34390	8	33	.	.	PROPN
cjfa-34390	8	34	,	,	PUNCT
cjfa-34390	8	35	&	&	CCONJ
cjfa-34390	8	36	adedoyin	adedoyin	PROPN
cjfa-34390	8	37	,	,	PUNCT
cjfa-34390	8	38	l.	l.	PROPN
cjfa-34390	8	39	(	(	PUNCT
cjfa-34390	8	40	2020	2020	NUM
cjfa-34390	8	41	)	)	PUNCT
cjfa-34390	8	42	.	.	PUNCT
cjfa-34390	9	1	impact	impact	NOUN
cjfa-34390	9	2	of	of	ADP
cjfa-34390	9	3	microfinance	microfinance	NOUN
cjfa-34390	9	4	institutions	institution	NOUN
cjfa-34390	9	5	on	on	ADP
cjfa-34390	9	6	financial	financial	ADJ
cjfa-34390	9	7	literacy	literacy	NOUN
cjfa-34390	9	8	in	in	ADP
cjfa-34390	9	9	north	north	PROPN
cjfa-34390	9	10	central	central	ADJ
cjfa-34390	9	11	geo	geo	PROPN
cjfa-34390	9	12	-	-	ADJ
cjfa-34390	9	13	political	political	ADJ
cjfa-34390	9	14	zone	zone	NOUN
cjfa-34390	9	15	nigeria	nigeria	PROPN
cjfa-34390	9	16	.	.	PUNCT
cjfa-34390	10	1	copernican	copernican	PROPN
cjfa-34390	10	2	journal	journal	PROPN
cjfa-34390	10	3	of	of	ADP
cjfa-34390	10	4	finance	finance	PROPN
cjfa-34390	10	5	&	&	CCONJ
cjfa-34390	10	6	accounting	accounting	PROPN
cjfa-34390	10	7	,	,	PUNCT
cjfa-34390	10	8	9(4	9(4	NUM
cjfa-34390	10	9	)	)	PUNCT
cjfa-34390	10	10	,	,	PUNCT
cjfa-34390	10	11	9–25	9–25	PROPN
cjfa-34390	10	12	.	.	PUNCT
cjfa-34390	10	13	http://dx.doi.org/10.12775/cjfa.2020.019	http://dx.doi.org/10.12775/cjfa.2020.019	PROPN
cjfa-34390	11	1	ibrahim	ibrahim	PROPN
cjfa-34390	11	2	majeed	majeed	PROPN
cjfa-34390	11	3	ajibola	ajibola	PROPN
cjfa-34390	11	4	*	*	PROPN
cjfa-34390	11	5	kwara	kwara	PROPN
cjfa-34390	11	6	state	state	PROPN
cjfa-34390	11	7	university	university	PROPN
cjfa-34390	11	8	daud	daud	PROPN
cjfa-34390	11	9	omotosho	omotosho	NOUN
cjfa-34390	11	10	saheed	sahee	VERB
cjfa-34390	11	11	*	*	PROPN
cjfa-34390	11	12	*	*	PROPN
cjfa-34390	11	13	kwara	kwara	PROPN
cjfa-34390	11	14	state	state	PROPN
cjfa-34390	11	15	university	university	PROPN
cjfa-34390	11	16	lukman	lukman	PROPN
cjfa-34390	11	17	adedoyin	adedoyin	PROPN
cjfa-34390	11	18	*	*	PROPN
cjfa-34390	11	19	*	*	PUNCT
cjfa-34390	11	20	*	*	PUNCT
cjfa-34390	11	21	federal	federal	ADJ
cjfa-34390	11	22	polytechnic	polytechnic	ADJ
cjfa-34390	11	23	offa	offa	NOUN
cjfa-34390	11	24	impact	impact	NOUN
cjfa-34390	11	25	of	of	ADP
cjfa-34390	11	26	microfinance	microfinance	NOUN
cjfa-34390	11	27	institutions	institution	NOUN
cjfa-34390	11	28	on	on	ADP
cjfa-34390	11	29	financial	financial	ADJ
cjfa-34390	11	30	literacy	literacy	NOUN
cjfa-34390	11	31	in	in	ADP
cjfa-34390	11	32	north	north	PROPN
cjfa-34390	11	33	central	central	ADJ
cjfa-34390	11	34	geo	geo	PROPN
cjfa-34390	11	35	-	-	ADJ
cjfa-34390	11	36	political	political	ADJ
cjfa-34390	11	37	zone	zone	NOUN
cjfa-34390	11	38	nigeria	nigeria	PROPN
cjfa-34390	11	39	keywords	keyword	NOUN
cjfa-34390	11	40	:	:	PUNCT
cjfa-34390	11	41	financial	financial	ADJ
cjfa-34390	11	42	literacy	literacy	NOUN
cjfa-34390	11	43	,	,	PUNCT
cjfa-34390	11	44	saving	saving	NOUN
cjfa-34390	11	45	mobilization	mobilization	NOUN
cjfa-34390	11	46	,	,	PUNCT
cjfa-34390	11	47	e	e	NOUN
cjfa-34390	11	48	-	-	NOUN
cjfa-34390	11	49	banking	banking	ADJ
cjfa-34390	11	50	,	,	PUNCT
cjfa-34390	11	51	financial	financial	ADJ
cjfa-34390	11	52	decisions	decision	NOUN
cjfa-34390	11	53	.	.	PUNCT
cjfa-34390	12	1	j	j	PROPN
cjfa-34390	12	2	e	e	NOUN
cjfa-34390	12	3	l	l	PROPN
cjfa-34390	12	4	classification	classification	NOUN
cjfa-34390	12	5	:	:	PUNCT
cjfa-34390	12	6	g21	g21	PROPN
cjfa-34390	12	7	,	,	PUNCT
cjfa-34390	12	8	g28	g28	NOUN
cjfa-34390	12	9	,	,	PUNCT
cjfa-34390	12	10	d14	d14	PROPN
cjfa-34390	12	11	,	,	PUNCT
cjfa-34390	12	12	d19	d19	PROPN
cjfa-34390	12	13	,	,	PUNCT
cjfa-34390	12	14	c23	c23	PROPN
cjfa-34390	12	15	.	.	PUNCT
cjfa-34390	13	1	abstract	abstract	ADJ
cjfa-34390	13	2	:	:	PUNCT
cjfa-34390	14	1	inclusive	inclusive	ADJ
cjfa-34390	14	2	financial	financial	ADJ
cjfa-34390	14	3	literacy	literacy	NOUN
cjfa-34390	14	4	through	through	ADP
cjfa-34390	14	5	microfinance	microfinance	NOUN
cjfa-34390	14	6	institutions	institution	NOUN
cjfa-34390	14	7	activities	activity	NOUN
cjfa-34390	14	8	is	be	AUX
cjfa-34390	14	9	becoming	become	VERB
cjfa-34390	14	10	a	a	DET
cjfa-34390	14	11	policy	policy	NOUN
cjfa-34390	14	12	issue	issue	NOUN
cjfa-34390	14	13	in	in	ADP
cjfa-34390	14	14	both	both	CCONJ
cjfa-34390	14	15	developed	developed	ADJ
cjfa-34390	14	16	and	and	CCONJ
cjfa-34390	14	17	developing	develop	VERB
cjfa-34390	14	18	nations	nation	NOUN
cjfa-34390	14	19	of	of	ADP
cjfa-34390	14	20	the	the	DET
cjfa-34390	14	21	world	world	NOUN
cjfa-34390	14	22	as	as	SCONJ
cjfa-34390	14	23	it	it	PRON
cjfa-34390	14	24	has	have	AUX
cjfa-34390	14	25	been	be	AUX
cjfa-34390	14	26	perceived	perceive	VERB
cjfa-34390	14	27	as	as	ADP
cjfa-34390	14	28	a	a	DET
cjfa-34390	14	29	veritable	veritable	ADJ
cjfa-34390	14	30	tool	tool	NOUN
cjfa-34390	14	31	for	for	ADP
cjfa-34390	14	32	economic	economic	ADJ
cjfa-34390	14	33	development	development	NOUN
cjfa-34390	14	34	.	.	PUNCT
cjfa-34390	15	1	this	this	DET
cjfa-34390	15	2	work	work	NOUN
cjfa-34390	15	3	examines	examine	VERB
cjfa-34390	15	4	the	the	DET
cjfa-34390	15	5	ibrahim	ibrahim	PROPN
cjfa-34390	15	6	majeed	majeed	PROPN
cjfa-34390	15	7	ajibola	ajibola	PROPN
cjfa-34390	15	8	,	,	PUNCT
cjfa-34390	15	9	daud	daud	PROPN
cjfa-34390	15	10	omotosho	omotosho	PROPN
cjfa-34390	15	11	saheed	sahee	VERB
cjfa-34390	15	12	,	,	PUNCT
cjfa-34390	15	13	lukman	lukman	PROPN
cjfa-34390	15	14	adedoyin10	adedoyin10	PROPN
cjfa-34390	15	15	impact	impact	NOUN
cjfa-34390	15	16	of	of	ADP
cjfa-34390	15	17	microfinance	microfinance	NOUN
cjfa-34390	15	18	institutions	institution	NOUN
cjfa-34390	15	19	on	on	ADP
cjfa-34390	15	20	financial	financial	ADJ
cjfa-34390	15	21	literacy	literacy	NOUN
cjfa-34390	15	22	in	in	ADP
cjfa-34390	15	23	north	north	PROPN
cjfa-34390	15	24	central	central	ADJ
cjfa-34390	15	25	geo	geo	PROPN
cjfa-34390	15	26	-	-	ADJ
cjfa-34390	15	27	political	political	ADJ
cjfa-34390	15	28	zone	zone	NOUN
cjfa-34390	15	29	nigeria	nigeria	PROPN
cjfa-34390	15	30	.	.	PUNCT
cjfa-34390	16	1	the	the	DET
cjfa-34390	16	2	specific	specific	ADJ
cjfa-34390	16	3	objectives	objective	NOUN
cjfa-34390	16	4	are	be	AUX
cjfa-34390	16	5	to	to	PART
cjfa-34390	16	6	establish	establish	VERB
cjfa-34390	16	7	the	the	DET
cjfa-34390	16	8	relationship	relationship	NOUN
cjfa-34390	16	9	between	between	ADP
cjfa-34390	16	10	saving	save	VERB
cjfa-34390	16	11	mobilization	mobilization	NOUN
cjfa-34390	16	12	as	as	ADP
cjfa-34390	16	13	microfinance	microfinance	NOUN
cjfa-34390	16	14	institutions	institution	NOUN
cjfa-34390	16	15	operations	operation	NOUN
cjfa-34390	16	16	and	and	CCONJ
cjfa-34390	16	17	financial	financial	ADJ
cjfa-34390	16	18	literacy	literacy	NOUN
cjfa-34390	16	19	,	,	PUNCT
cjfa-34390	16	20	analyze	analyze	VERB
cjfa-34390	16	21	the	the	DET
cjfa-34390	16	22	effect	effect	NOUN
cjfa-34390	16	23	of	of	ADP
cjfa-34390	16	24	microfinance	microfinance	NOUN
cjfa-34390	16	25	institutions	institution	NOUN
cjfa-34390	16	26	accessibility	accessibility	NOUN
cjfa-34390	16	27	on	on	ADP
cjfa-34390	16	28	e	e	NOUN
cjfa-34390	16	29	-	-	ADJ
cjfa-34390	16	30	banking	banking	ADJ
cjfa-34390	16	31	platform	platform	NOUN
cjfa-34390	16	32	usage	usage	NOUN
cjfa-34390	16	33	and	and	CCONJ
cjfa-34390	16	34	identify	identify	VERB
cjfa-34390	16	35	the	the	DET
cjfa-34390	16	36	effects	effect	NOUN
cjfa-34390	16	37	of	of	ADP
cjfa-34390	16	38	microfinance	microfinance	NOUN
cjfa-34390	16	39	institutions	institution	NOUN
cjfa-34390	16	40	activities	activity	NOUN
cjfa-34390	16	41	on	on	ADP
cjfa-34390	16	42	the	the	DET
cjfa-34390	16	43	financial	financial	ADJ
cjfa-34390	16	44	decisions	decision	NOUN
cjfa-34390	16	45	of	of	ADP
cjfa-34390	16	46	the	the	DET
cjfa-34390	16	47	rural	rural	ADJ
cjfa-34390	16	48	dwellers	dweller	NOUN
cjfa-34390	16	49	.	.	PUNCT
cjfa-34390	17	1	descriptive	descriptive	ADJ
cjfa-34390	17	2	design	design	NOUN
cjfa-34390	17	3	method	method	NOUN
cjfa-34390	17	4	was	be	AUX
cjfa-34390	17	5	adopted	adopt	VERB
cjfa-34390	17	6	;	;	PUNCT
cjfa-34390	17	7	50	50	NUM
cjfa-34390	17	8	respondents	respondent	NOUN
cjfa-34390	17	9	was	be	AUX
cjfa-34390	17	10	selected	select	VERB
cjfa-34390	17	11	from	from	ADP
cjfa-34390	17	12	each	each	PRON
cjfa-34390	17	13	of	of	ADP
cjfa-34390	17	14	the	the	DET
cjfa-34390	17	15	six	six	NUM
cjfa-34390	17	16	microfinance	microfinance	NOUN
cjfa-34390	17	17	institutions	institution	NOUN
cjfa-34390	17	18	that	that	PRON
cjfa-34390	17	19	was	be	AUX
cjfa-34390	17	20	selected	select	VERB
cjfa-34390	17	21	from	from	ADP
cjfa-34390	17	22	each	each	PRON
cjfa-34390	17	23	of	of	ADP
cjfa-34390	17	24	the	the	DET
cjfa-34390	17	25	six	six	NUM
cjfa-34390	17	26	states	state	NOUN
cjfa-34390	17	27	of	of	ADP
cjfa-34390	17	28	the	the	DET
cjfa-34390	17	29	north	north	PROPN
cjfa-34390	17	30	central	central	ADJ
cjfa-34390	17	31	geo	geo	PROPN
cjfa-34390	17	32	-	-	ADJ
cjfa-34390	17	33	political	political	ADJ
cjfa-34390	17	34	zone	zone	NOUN
cjfa-34390	17	35	that	that	PRON
cjfa-34390	17	36	serve	serve	VERB
cjfa-34390	17	37	as	as	ADP
cjfa-34390	17	38	the	the	DET
cjfa-34390	17	39	fair	fair	ADJ
cjfa-34390	17	40	representation	representation	NOUN
cjfa-34390	17	41	of	of	ADP
cjfa-34390	17	42	the	the	DET
cjfa-34390	17	43	population	population	NOUN
cjfa-34390	17	44	under	under	AUX
cjfa-34390	17	45	study	study	VERB
cjfa-34390	17	46	a	a	DET
cjfa-34390	17	47	total	total	NOUN
cjfa-34390	17	48	of	of	ADP
cjfa-34390	17	49	1800	1800	NUM
cjfa-34390	17	50	questionnaires	questionnaire	NOUN
cjfa-34390	17	51	were	be	AUX
cjfa-34390	17	52	administered	administer	VERB
cjfa-34390	17	53	out	out	ADP
cjfa-34390	17	54	of	of	ADP
cjfa-34390	17	55	which	which	PRON
cjfa-34390	17	56	1494	1494	NUM
cjfa-34390	17	57	was	be	AUX
cjfa-34390	17	58	returned	return	VERB
cjfa-34390	17	59	.	.	PUNCT
cjfa-34390	18	1	data	datum	NOUN
cjfa-34390	18	2	for	for	ADP
cjfa-34390	18	3	the	the	DET
cjfa-34390	18	4	study	study	NOUN
cjfa-34390	18	5	were	be	AUX
cjfa-34390	18	6	collected	collect	VERB
cjfa-34390	18	7	primarily	primarily	ADV
cjfa-34390	18	8	through	through	ADP
cjfa-34390	18	9	questionnaire	questionnaire	NOUN
cjfa-34390	18	10	from	from	ADP
cjfa-34390	18	11	the	the	DET
cjfa-34390	18	12	1494	1494	NUM
cjfa-34390	18	13	respondents	respondent	NOUN
cjfa-34390	18	14	that	that	PRON
cjfa-34390	18	15	serve	serve	VERB
cjfa-34390	18	16	as	as	ADP
cjfa-34390	18	17	the	the	DET
cjfa-34390	18	18	fair	fair	ADJ
cjfa-34390	18	19	representations	representation	NOUN
cjfa-34390	18	20	for	for	ADP
cjfa-34390	18	21	the	the	DET
cjfa-34390	18	22	population	population	NOUN
cjfa-34390	18	23	under	under	ADP
cjfa-34390	18	24	study	study	NOUN
cjfa-34390	18	25	.	.	PUNCT
cjfa-34390	19	1	the	the	DET
cjfa-34390	19	2	formulated	formulate	VERB
cjfa-34390	19	3	hypotheses	hypothesis	NOUN
cjfa-34390	19	4	were	be	AUX
cjfa-34390	19	5	tested	test	VERB
cjfa-34390	19	6	with	with	ADP
cjfa-34390	19	7	the	the	DET
cjfa-34390	19	8	aid	aid	NOUN
cjfa-34390	19	9	of	of	ADP
cjfa-34390	19	10	regression	regression	NOUN
cjfa-34390	19	11	and	and	CCONJ
cjfa-34390	19	12	correlation	correlation	NOUN
cjfa-34390	19	13	while	while	SCONJ
cjfa-34390	19	14	preliminary	preliminary	ADJ
cjfa-34390	19	15	test	test	NOUN
cjfa-34390	19	16	was	be	AUX
cjfa-34390	19	17	done	do	VERB
cjfa-34390	19	18	with	with	ADP
cjfa-34390	19	19	the	the	DET
cjfa-34390	19	20	aid	aid	NOUN
cjfa-34390	19	21	of	of	ADP
cjfa-34390	19	22	kolmogorov	kolmogorov	ADJ
cjfa-34390	19	23	-	-	PUNCT
cjfa-34390	19	24	smirnov	smirnov	PROPN
cjfa-34390	19	25	and	and	CCONJ
cjfa-34390	19	26	shapiro	shapiro	PROPN
cjfa-34390	19	27	wilk	wilk	PROPN
cjfa-34390	19	28	with	with	ADP
cjfa-34390	19	29	a	a	DET
cjfa-34390	19	30	view	view	NOUN
cjfa-34390	19	31	to	to	PART
cjfa-34390	19	32	ascertain	ascertain	VERB
cjfa-34390	19	33	the	the	DET
cjfa-34390	19	34	normality	normality	NOUN
cjfa-34390	19	35	of	of	ADP
cjfa-34390	19	36	the	the	DET
cjfa-34390	19	37	data	datum	NOUN
cjfa-34390	19	38	.	.	PUNCT
cjfa-34390	20	1	similarly	similarly	ADV
cjfa-34390	20	2	,	,	PUNCT
cjfa-34390	20	3	reliability	reliability	NOUN
cjfa-34390	20	4	test	test	NOUN
cjfa-34390	20	5	was	be	AUX
cjfa-34390	20	6	conducted	conduct	VERB
cjfa-34390	20	7	with	with	ADP
cjfa-34390	20	8	the	the	DET
cjfa-34390	20	9	aid	aid	NOUN
cjfa-34390	20	10	of	of	ADP
cjfa-34390	20	11	cronbach	cronbach	PROPN
cjfa-34390	20	12	’s	’s	PART
cjfa-34390	20	13	alpha	alpha	NOUN
cjfa-34390	20	14	.	.	PUNCT
cjfa-34390	21	1	the	the	DET
cjfa-34390	21	2	overall	overall	ADJ
cjfa-34390	21	3	results	result	NOUN
cjfa-34390	21	4	of	of	ADP
cjfa-34390	21	5	the	the	DET
cjfa-34390	21	6	regression	regression	NOUN
cjfa-34390	21	7	analysis	analysis	NOUN
cjfa-34390	21	8	reveals	reveal	VERB
cjfa-34390	21	9	that	that	SCONJ
cjfa-34390	21	10	a	a	DET
cjfa-34390	21	11	positive	positive	ADJ
cjfa-34390	21	12	relationship	relationship	NOUN
cjfa-34390	21	13	exist	exist	VERB
cjfa-34390	21	14	between	between	ADP
cjfa-34390	21	15	mfis	mfis	NOUN
cjfa-34390	21	16	activities	activity	NOUN
cjfa-34390	21	17	and	and	CCONJ
cjfa-34390	21	18	financial	financial	ADJ
cjfa-34390	21	19	literacy	literacy	NOUN
cjfa-34390	21	20	given	give	VERB
cjfa-34390	21	21	cognizance	cognizance	NOUN
cjfa-34390	21	22	to	to	ADP
cjfa-34390	21	23	the	the	DET
cjfa-34390	21	24	reported	report	VERB
cjfa-34390	21	25	coefficients	coefficient	NOUN
cjfa-34390	21	26	on	on	ADP
cjfa-34390	21	27	the	the	DET
cjfa-34390	21	28	adopted	adopt	VERB
cjfa-34390	21	29	variables	variable	NOUN
cjfa-34390	21	30	.	.	PUNCT
cjfa-34390	22	1	therefore	therefore	ADV
cjfa-34390	22	2	,	,	PUNCT
cjfa-34390	22	3	it	it	PRON
cjfa-34390	22	4	was	be	AUX
cjfa-34390	22	5	recommended	recommend	VERB
cjfa-34390	22	6	that	that	SCONJ
cjfa-34390	22	7	government	government	NOUN
cjfa-34390	22	8	should	should	AUX
cjfa-34390	22	9	promote	promote	VERB
cjfa-34390	22	10	financial	financial	ADJ
cjfa-34390	22	11	sector	sector	NOUN
cjfa-34390	22	12	deepening	deepen	VERB
cjfa-34390	22	13	by	by	ADP
cjfa-34390	22	14	licensing	license	VERB
cjfa-34390	22	15	more	more	ADJ
cjfa-34390	22	16	microfinance	microfinance	NOUN
cjfa-34390	22	17	institutions	institution	NOUN
cjfa-34390	22	18	,	,	PUNCT
cjfa-34390	22	19	to	to	PART
cjfa-34390	22	20	promote	promote	VERB
cjfa-34390	22	21	accessibility	accessibility	NOUN
cjfa-34390	22	22	to	to	PART
cjfa-34390	22	23	finance	finance	VERB
cjfa-34390	22	24	among	among	ADP
cjfa-34390	22	25	its	its	PRON
cjfa-34390	22	26	populous	populous	ADJ
cjfa-34390	22	27	to	to	PART
cjfa-34390	22	28	improve	improve	VERB
cjfa-34390	22	29	the	the	DET
cjfa-34390	22	30	level	level	NOUN
cjfa-34390	22	31	of	of	ADP
cjfa-34390	22	32	financial	financial	ADJ
cjfa-34390	22	33	literacy	literacy	NOUN
cjfa-34390	22	34	in	in	ADP
cjfa-34390	22	35	nigeria	nigeria	PROPN
cjfa-34390	22	36	.	.	PUNCT
cjfa-34390	23	1	this	this	PRON
cjfa-34390	23	2	will	will	AUX
cjfa-34390	23	3	increase	increase	VERB
cjfa-34390	23	4	their	their	PRON
cjfa-34390	23	5	ability	ability	NOUN
cjfa-34390	23	6	to	to	PART
cjfa-34390	23	7	save	save	VERB
cjfa-34390	23	8	and	and	CCONJ
cjfa-34390	23	9	borrow	borrow	AUX
cjfa-34390	23	10	thereby	thereby	ADV
cjfa-34390	23	11	contribute	contribute	VERB
cjfa-34390	23	12	positively	positively	ADV
cjfa-34390	23	13	to	to	ADP
cjfa-34390	23	14	economic	economic	ADJ
cjfa-34390	23	15	development	development	NOUN
cjfa-34390	23	16	.	.	PUNCT
cjfa-34390	23	17	 	 	SPACE
cjfa-34390	24	1	introduction	introduction	NOUN
cjfa-34390	24	2	the	the	DET
cjfa-34390	24	3	current	current	ADJ
cjfa-34390	24	4	trend	trend	NOUN
cjfa-34390	24	5	in	in	ADP
cjfa-34390	24	6	economy	economy	NOUN
cjfa-34390	24	7	world	world	NOUN
cjfa-34390	24	8	has	have	AUX
cjfa-34390	24	9	not	not	PART
cjfa-34390	24	10	only	only	ADV
cjfa-34390	24	11	made	make	VERB
cjfa-34390	24	12	financial	financial	ADJ
cjfa-34390	24	13	literacy	literacy	NOUN
cjfa-34390	24	14	an	an	DET
cjfa-34390	24	15	important	important	ADJ
cjfa-34390	24	16	knowledge	knowledge	NOUN
cjfa-34390	24	17	which	which	PRON
cjfa-34390	24	18	a	a	DET
cjfa-34390	24	19	sizeable	sizeable	ADJ
cjfa-34390	24	20	portion	portion	NOUN
cjfa-34390	24	21	of	of	ADP
cjfa-34390	24	22	a	a	DET
cjfa-34390	24	23	state	state	NOUN
cjfa-34390	24	24	must	must	AUX
cjfa-34390	24	25	acquire	acquire	VERB
cjfa-34390	24	26	but	but	CCONJ
cjfa-34390	24	27	rather	rather	ADV
cjfa-34390	24	28	becomes	become	VERB
cjfa-34390	24	29	an	an	DET
cjfa-34390	24	30	imperative	imperative	ADJ
cjfa-34390	24	31	essential	essential	ADJ
cjfa-34390	24	32	tool	tool	NOUN
cjfa-34390	24	33	for	for	ADP
cjfa-34390	24	34	survival	survival	NOUN
cjfa-34390	24	35	in	in	ADP
cjfa-34390	24	36	the	the	DET
cjfa-34390	24	37	face	face	NOUN
cjfa-34390	24	38	of	of	ADP
cjfa-34390	24	39	the	the	DET
cjfa-34390	24	40	global	global	ADJ
cjfa-34390	24	41	pandemic	pandemic	NOUN
cjfa-34390	24	42	which	which	PRON
cjfa-34390	24	43	has	have	AUX
cjfa-34390	24	44	voraciously	voraciously	ADV
cjfa-34390	24	45	induce	induce	VERB
cjfa-34390	24	46	all	all	DET
cjfa-34390	24	47	forms	form	NOUN
cjfa-34390	24	48	of	of	ADP
cjfa-34390	24	49	economics	economic	NOUN
cjfa-34390	24	50	activities	activity	NOUN
cjfa-34390	24	51	adversely	adversely	ADV
cjfa-34390	24	52	.	.	PUNCT
cjfa-34390	25	1	the	the	DET
cjfa-34390	25	2	low	low	ADJ
cjfa-34390	25	3	level	level	NOUN
cjfa-34390	25	4	of	of	ADP
cjfa-34390	25	5	financial	financial	ADJ
cjfa-34390	25	6	literacy	literacy	NOUN
cjfa-34390	25	7	especially	especially	ADV
cjfa-34390	25	8	among	among	ADP
cjfa-34390	25	9	the	the	DET
cjfa-34390	25	10	rural	rural	ADJ
cjfa-34390	25	11	dwellers	dweller	NOUN
cjfa-34390	25	12	has	have	AUX
cjfa-34390	25	13	no	no	DET
cjfa-34390	25	14	doubt	doubt	NOUN
cjfa-34390	25	15	resulted	result	VERB
cjfa-34390	25	16	to	to	ADP
cjfa-34390	25	17	some	some	DET
cjfa-34390	25	18	forms	form	NOUN
cjfa-34390	25	19	of	of	ADP
cjfa-34390	25	20	poor	poor	ADJ
cjfa-34390	25	21	financial	financial	ADJ
cjfa-34390	25	22	investment	investment	NOUN
cjfa-34390	25	23	and	and	CCONJ
cjfa-34390	25	24	decision	decision	NOUN
cjfa-34390	25	25	due	due	ADP
cjfa-34390	25	26	to	to	ADP
cjfa-34390	25	27	their	their	PRON
cjfa-34390	25	28	inability	inability	NOUN
cjfa-34390	25	29	to	to	PART
cjfa-34390	25	30	clearly	clearly	ADV
cjfa-34390	25	31	identified	identify	VERB
cjfa-34390	25	32	and	and	CCONJ
cjfa-34390	25	33	select	select	VERB
cjfa-34390	25	34	an	an	DET
cjfa-34390	25	35	investment	investment	NOUN
cjfa-34390	25	36	option	option	NOUN
cjfa-34390	25	37	that	that	PRON
cjfa-34390	25	38	suit	suit	VERB
cjfa-34390	25	39	their	their	PRON
cjfa-34390	25	40	risk	risk	NOUN
cjfa-34390	25	41	preference	preference	NOUN
cjfa-34390	25	42	this	this	PRON
cjfa-34390	25	43	will	will	AUX
cjfa-34390	25	44	no	no	ADV
cjfa-34390	25	45	doubt	doubt	ADV
cjfa-34390	25	46	have	have	VERB
cjfa-34390	25	47	an	an	DET
cjfa-34390	25	48	impending	impending	ADJ
cjfa-34390	25	49	effect	effect	NOUN
cjfa-34390	25	50	on	on	ADP
cjfa-34390	25	51	both	both	DET
cjfa-34390	25	52	individual	individual	ADJ
cjfa-34390	25	53	finances	finance	NOUN
cjfa-34390	25	54	and	and	CCONJ
cjfa-34390	25	55	the	the	DET
cjfa-34390	25	56	entire	entire	ADJ
cjfa-34390	25	57	financial	financial	ADJ
cjfa-34390	25	58	system	system	NOUN
cjfa-34390	25	59	.	.	PUNCT
cjfa-34390	26	1	thus	thus	ADV
cjfa-34390	26	2	,	,	PUNCT
cjfa-34390	26	3	the	the	DET
cjfa-34390	26	4	need	need	NOUN
cjfa-34390	26	5	to	to	PART
cjfa-34390	26	6	accelerate	accelerate	VERB
cjfa-34390	26	7	personal	personal	ADJ
cjfa-34390	26	8	financial	financial	ADJ
cjfa-34390	26	9	literacy	literacy	NOUN
cjfa-34390	26	10	and	and	CCONJ
cjfa-34390	26	11	orientation	orientation	NOUN
cjfa-34390	26	12	should	should	AUX
cjfa-34390	26	13	become	become	VERB
cjfa-34390	26	14	policy	policy	NOUN
cjfa-34390	26	15	issue	issue	NOUN
cjfa-34390	26	16	in	in	ADP
cjfa-34390	26	17	developed	developed	ADJ
cjfa-34390	26	18	and	and	CCONJ
cjfa-34390	26	19	developing	develop	VERB
cjfa-34390	26	20	countries	country	NOUN
cjfa-34390	26	21	.	.	PUNCT
cjfa-34390	27	1	low	low	ADJ
cjfa-34390	27	2	level	level	NOUN
cjfa-34390	27	3	of	of	ADP
cjfa-34390	27	4	financial	financial	ADJ
cjfa-34390	27	5	literacy	literacy	NOUN
cjfa-34390	27	6	in	in	ADP
cjfa-34390	27	7	africa	africa	PROPN
cjfa-34390	27	8	is	be	AUX
cjfa-34390	27	9	especially	especially	ADV
cjfa-34390	27	10	in	in	ADP
cjfa-34390	27	11	nigeria	nigeria	PROPN
cjfa-34390	27	12	is	be	AUX
cjfa-34390	27	13	becoming	become	VERB
cjfa-34390	27	14	alarming	alarming	ADJ
cjfa-34390	27	15	among	among	ADP
cjfa-34390	27	16	specific	specific	ADJ
cjfa-34390	27	17	demographic	demographic	ADJ
cjfa-34390	27	18	groups	group	NOUN
cjfa-34390	27	19	,	,	PUNCT
cjfa-34390	27	20	particularly	particularly	ADV
cjfa-34390	27	21	those	those	PRON
cjfa-34390	27	22	with	with	ADP
cjfa-34390	27	23	low	low	ADJ
cjfa-34390	27	24	education	education	NOUN
cjfa-34390	27	25	background	background	NOUN
cjfa-34390	27	26	(	(	PUNCT
cjfa-34390	27	27	gine	gine	NOUN
cjfa-34390	27	28	,	,	PUNCT
cjfa-34390	27	29	2013	2013	NUM
cjfa-34390	27	30	)	)	PUNCT
cjfa-34390	27	31	.	.	PUNCT
cjfa-34390	28	1	the	the	DET
cjfa-34390	28	2	increasing	increase	VERB
cjfa-34390	28	3	incidence	incidence	NOUN
cjfa-34390	28	4	of	of	ADP
cjfa-34390	28	5	poor	poor	ADJ
cjfa-34390	28	6	financial	financial	ADJ
cjfa-34390	28	7	investment	investment	NOUN
cjfa-34390	28	8	in	in	ADP
cjfa-34390	28	9	some	some	DET
cjfa-34390	28	10	africa	africa	PROPN
cjfa-34390	28	11	countries	country	NOUN
cjfa-34390	28	12	are	be	AUX
cjfa-34390	28	13	in	in	ADP
cjfa-34390	28	14	connection	connection	NOUN
cjfa-34390	28	15	with	with	ADP
cjfa-34390	28	16	the	the	DET
cjfa-34390	28	17	fact	fact	NOUN
cjfa-34390	28	18	that	that	SCONJ
cjfa-34390	28	19	an	an	DET
cjfa-34390	28	20	insignificant	insignificant	ADJ
cjfa-34390	28	21	persons	person	NOUN
cjfa-34390	28	22	seek	seek	VERB
cjfa-34390	28	23	the	the	DET
cjfa-34390	28	24	help	help	NOUN
cjfa-34390	28	25	of	of	ADP
cjfa-34390	28	26	financial	financial	ADJ
cjfa-34390	28	27	advisors	advisor	NOUN
cjfa-34390	28	28	to	to	PART
cjfa-34390	28	29	make	make	VERB
cjfa-34390	28	30	financial	financial	ADJ
cjfa-34390	28	31	investment	investment	NOUN
cjfa-34390	28	32	related	relate	VERB
cjfa-34390	28	33	decisions	decision	NOUN
cjfa-34390	28	34	.	.	PUNCT
cjfa-34390	29	1	however	however	ADV
cjfa-34390	29	2	,	,	PUNCT
cjfa-34390	29	3	low	low	ADJ
cjfa-34390	29	4	financial	financial	ADJ
cjfa-34390	29	5	literacy	literacy	NOUN
cjfa-34390	29	6	among	among	ADP
cjfa-34390	29	7	the	the	DET
cjfa-34390	29	8	rural	rural	ADJ
cjfa-34390	29	9	dwellers	dweller	NOUN
cjfa-34390	29	10	usually	usually	ADV
cjfa-34390	29	11	affect	affect	VERB
cjfa-34390	29	12	their	their	PRON
cjfa-34390	29	13	ability	ability	NOUN
cjfa-34390	29	14	to	to	PART
cjfa-34390	29	15	save	save	VERB
cjfa-34390	29	16	and	and	CCONJ
cjfa-34390	29	17	to	to	PART
cjfa-34390	29	18	secure	secure	VERB
cjfa-34390	29	19	impact	impact	NOUN
cjfa-34390	29	20	of	of	ADP
cjfa-34390	29	21	microfinance	microfinance	NOUN
cjfa-34390	29	22	institutions	institution	NOUN
cjfa-34390	29	23	on	on	ADP
cjfa-34390	29	24	financial	financial	ADJ
cjfa-34390	29	25	literacy	literacy	NOUN
cjfa-34390	29	26	…	…	PUNCT
cjfa-34390	29	27	11	11	NUM
cjfa-34390	29	28	a	a	DET
cjfa-34390	29	29	comfortable	comfortable	ADJ
cjfa-34390	29	30	investment	investment	NOUN
cjfa-34390	29	31	plans	plan	NOUN
cjfa-34390	29	32	considering	consider	VERB
cjfa-34390	29	33	the	the	DET
cjfa-34390	29	34	complexity	complexity	NOUN
cjfa-34390	29	35	of	of	ADP
cjfa-34390	29	36	financial	financial	ADJ
cjfa-34390	29	37	concepts	concept	NOUN
cjfa-34390	29	38	(	(	PUNCT
cjfa-34390	29	39	lusardi	lusardi	NOUN
cjfa-34390	29	40	,	,	PUNCT
cjfa-34390	29	41	2012	2012	NUM
cjfa-34390	29	42	)	)	PUNCT
cjfa-34390	29	43	.	.	PUNCT
cjfa-34390	30	1	henri	henri	PROPN
cjfa-34390	30	2	,	,	PUNCT
cjfa-34390	30	3	fred	fred	PROPN
cjfa-34390	30	4	and	and	CCONJ
cjfa-34390	30	5	kemirembe	kemirembe	PROPN
cjfa-34390	30	6	(	(	PUNCT
cjfa-34390	30	7	2015	2015	NUM
cjfa-34390	30	8	)	)	PUNCT
cjfa-34390	30	9	maintain	maintain	VERB
cjfa-34390	30	10	that	that	SCONJ
cjfa-34390	30	11	financial	financial	ADJ
cjfa-34390	30	12	literacy	literacy	NOUN
cjfa-34390	30	13	and	and	CCONJ
cjfa-34390	30	14	orientation	orientation	NOUN
cjfa-34390	30	15	require	require	VERB
cjfa-34390	30	16	the	the	DET
cjfa-34390	30	17	ability	ability	NOUN
cjfa-34390	30	18	and	and	CCONJ
cjfa-34390	30	19	capacity	capacity	NOUN
cjfa-34390	30	20	to	to	PART
cjfa-34390	30	21	do	do	AUX
cjfa-34390	30	22	complex	complex	ADJ
cjfa-34390	30	23	calculations	calculation	NOUN
cjfa-34390	30	24	with	with	ADP
cjfa-34390	30	25	respect	respect	NOUN
cjfa-34390	30	26	to	to	ADP
cjfa-34390	30	27	financial	financial	ADJ
cjfa-34390	30	28	investment	investment	NOUN
cjfa-34390	30	29	plans	plan	NOUN
cjfa-34390	30	30	and	and	CCONJ
cjfa-34390	30	31	decisions	decision	NOUN
cjfa-34390	30	32	.	.	PUNCT
cjfa-34390	31	1	lusardi	lusardi	PROPN
cjfa-34390	31	2	(	(	PUNCT
cjfa-34390	31	3	2008	2008	NUM
cjfa-34390	31	4	)	)	PUNCT
cjfa-34390	31	5	opined	opine	VERB
cjfa-34390	31	6	that	that	SCONJ
cjfa-34390	31	7	most	most	ADJ
cjfa-34390	31	8	of	of	ADP
cjfa-34390	31	9	the	the	DET
cjfa-34390	31	10	empirical	empirical	ADJ
cjfa-34390	31	11	studies	study	NOUN
cjfa-34390	31	12	carried	carry	VERB
cjfa-34390	31	13	out	out	ADP
cjfa-34390	31	14	by	by	ADP
cjfa-34390	31	15	the	the	DET
cjfa-34390	31	16	united	united	PROPN
cjfa-34390	31	17	states	states	PROPN
cjfa-34390	31	18	and	and	CCONJ
cjfa-34390	31	19	other	other	ADJ
cjfa-34390	31	20	selected	select	VERB
cjfa-34390	31	21	developing	develop	VERB
cjfa-34390	31	22	nations	nation	NOUN
cjfa-34390	31	23	indicate	indicate	VERB
cjfa-34390	31	24	that	that	DET
cjfa-34390	31	25	low	low	ADJ
cjfa-34390	31	26	level	level	NOUN
cjfa-34390	31	27	of	of	ADP
cjfa-34390	31	28	education	education	NOUN
cjfa-34390	31	29	attainment	attainment	NOUN
cjfa-34390	31	30	is	be	AUX
cjfa-34390	31	31	a	a	DET
cjfa-34390	31	32	major	major	ADJ
cjfa-34390	31	33	producing	produce	VERB
cjfa-34390	31	34	agent	agent	NOUN
cjfa-34390	31	35	of	of	ADP
cjfa-34390	31	36	financial	financial	ADJ
cjfa-34390	31	37	illiteracy	illiteracy	NOUN
cjfa-34390	31	38	.	.	PUNCT
cjfa-34390	32	1	financial	financial	ADJ
cjfa-34390	32	2	knowledge	knowledge	NOUN
cjfa-34390	32	3	is	be	AUX
cjfa-34390	32	4	the	the	DET
cjfa-34390	32	5	major	major	ADJ
cjfa-34390	32	6	ingredient	ingredient	NOUN
cjfa-34390	32	7	for	for	ADP
cjfa-34390	32	8	financial	financial	ADJ
cjfa-34390	32	9	and	and	CCONJ
cjfa-34390	32	10	investment	investment	NOUN
cjfa-34390	32	11	decisions	decision	NOUN
cjfa-34390	32	12	.	.	PUNCT
cjfa-34390	33	1	thus	thus	ADV
cjfa-34390	33	2	,	,	PUNCT
cjfa-34390	33	3	financial	financial	ADJ
cjfa-34390	33	4	literacy	literacy	NOUN
cjfa-34390	33	5	has	have	AUX
cjfa-34390	33	6	become	become	VERB
cjfa-34390	33	7	the	the	DET
cjfa-34390	33	8	lifetime	lifetime	NOUN
cjfa-34390	33	9	skills	skill	NOUN
cjfa-34390	33	10	that	that	PRON
cjfa-34390	33	11	is	be	AUX
cjfa-34390	33	12	require	require	ADJ
cjfa-34390	33	13	to	to	PART
cjfa-34390	33	14	succeed	succeed	VERB
cjfa-34390	33	15	in	in	ADP
cjfa-34390	33	16	today	today	NOUN
cjfa-34390	33	17	’s	’s	PART
cjfa-34390	33	18	complex	complex	ADJ
cjfa-34390	33	19	economic	economic	ADJ
cjfa-34390	33	20	environment	environment	NOUN
cjfa-34390	33	21	in	in	ADP
cjfa-34390	33	22	the	the	DET
cjfa-34390	33	23	face	face	NOUN
cjfa-34390	33	24	of	of	ADP
cjfa-34390	33	25	the	the	DET
cjfa-34390	33	26	global	global	ADJ
cjfa-34390	33	27	pandemics	pandemic	NOUN
cjfa-34390	33	28	(	(	PUNCT
cjfa-34390	33	29	kakande	kakande	NOUN
cjfa-34390	33	30	,	,	PUNCT
cjfa-34390	33	31	2013	2013	NUM
cjfa-34390	33	32	)	)	PUNCT
cjfa-34390	33	33	.	.	PUNCT
cjfa-34390	34	1	most	most	ADJ
cjfa-34390	34	2	of	of	ADP
cjfa-34390	34	3	the	the	DET
cjfa-34390	34	4	previous	previous	ADJ
cjfa-34390	34	5	studies	study	NOUN
cjfa-34390	34	6	on	on	ADP
cjfa-34390	34	7	the	the	DET
cjfa-34390	34	8	subject	subject	NOUN
cjfa-34390	34	9	matter	matter	NOUN
cjfa-34390	34	10	such	such	ADJ
cjfa-34390	34	11	as	as	ADP
cjfa-34390	34	12	masok	masok	NOUN
cjfa-34390	34	13	(	(	PUNCT
cjfa-34390	34	14	2011	2011	NUM
cjfa-34390	34	15	)	)	PUNCT
cjfa-34390	34	16	,	,	PUNCT
cjfa-34390	34	17	kakande	kakande	NOUN
cjfa-34390	34	18	(	(	PUNCT
cjfa-34390	34	19	2013	2013	NUM
cjfa-34390	34	20	)	)	PUNCT
cjfa-34390	34	21	,	,	PUNCT
cjfa-34390	34	22	chibba	chibba	NOUN
cjfa-34390	34	23	(	(	PUNCT
cjfa-34390	34	24	2009	2009	NUM
cjfa-34390	34	25	)	)	PUNCT
cjfa-34390	34	26	,	,	PUNCT
cjfa-34390	34	27	sanusi	sanusi	NOUN
cjfa-34390	34	28	(	(	PUNCT
cjfa-34390	34	29	2011	2011	NUM
cjfa-34390	34	30	)	)	PUNCT
cjfa-34390	34	31	,	,	PUNCT
cjfa-34390	34	32	abifarin	abifarin	NOUN
cjfa-34390	34	33	and	and	CCONJ
cjfa-34390	34	34	bello	bello	PROPN
cjfa-34390	34	35	(	(	PUNCT
cjfa-34390	34	36	2018	2018	NUM
cjfa-34390	34	37	)	)	PUNCT
cjfa-34390	34	38	,	,	PUNCT
cjfa-34390	34	39	emeka	emeka	NOUN
cjfa-34390	34	40	and	and	CCONJ
cjfa-34390	34	41	udom	udom	NOUN
cjfa-34390	34	42	(	(	PUNCT
cjfa-34390	34	43	2019	2019	NUM
cjfa-34390	34	44	)	)	PUNCT
cjfa-34390	34	45	and	and	CCONJ
cjfa-34390	34	46	adeola	adeola	NOUN
cjfa-34390	34	47	and	and	CCONJ
cjfa-34390	34	48	ikpesu	ikpesu	ADJ
cjfa-34390	34	49	(	(	PUNCT
cjfa-34390	34	50	2019	2019	NUM
cjfa-34390	34	51	)	)	PUNCT
cjfa-34390	34	52	among	among	ADP
cjfa-34390	34	53	others	other	NOUN
cjfa-34390	34	54	that	that	PRON
cjfa-34390	34	55	examined	examine	VERB
cjfa-34390	34	56	financial	financial	ADJ
cjfa-34390	34	57	literacy	literacy	NOUN
cjfa-34390	34	58	related	relate	VERB
cjfa-34390	34	59	topics	topic	NOUN
cjfa-34390	34	60	in	in	ADP
cjfa-34390	34	61	nigeria	nigeria	PROPN
cjfa-34390	34	62	focused	focus	VERB
cjfa-34390	34	63	mainly	mainly	ADV
cjfa-34390	34	64	on	on	ADP
cjfa-34390	34	65	the	the	DET
cjfa-34390	34	66	role	role	NOUN
cjfa-34390	34	67	of	of	ADP
cjfa-34390	34	68	financial	financial	ADJ
cjfa-34390	34	69	institutions	institution	NOUN
cjfa-34390	34	70	in	in	ADP
cjfa-34390	34	71	promoting	promote	VERB
cjfa-34390	34	72	business	business	NOUN
cjfa-34390	34	73	enterprises	enterprise	NOUN
cjfa-34390	34	74	and	and	CCONJ
cjfa-34390	34	75	financial	financial	ADJ
cjfa-34390	34	76	inclusion	inclusion	NOUN
cjfa-34390	34	77	.	.	PUNCT
cjfa-34390	35	1	this	this	PRON
cjfa-34390	35	2	,	,	PUNCT
cjfa-34390	35	3	to	to	ADP
cjfa-34390	35	4	the	the	DET
cjfa-34390	35	5	best	good	ADJ
cjfa-34390	35	6	knowledge	knowledge	NOUN
cjfa-34390	35	7	of	of	ADP
cjfa-34390	35	8	the	the	DET
cjfa-34390	35	9	researchers	researcher	NOUN
cjfa-34390	35	10	,	,	PUNCT
cjfa-34390	35	11	no	no	DET
cjfa-34390	35	12	study	study	NOUN
cjfa-34390	35	13	has	have	AUX
cjfa-34390	35	14	been	be	AUX
cjfa-34390	35	15	conducted	conduct	VERB
cjfa-34390	35	16	with	with	ADP
cjfa-34390	35	17	respect	respect	NOUN
cjfa-34390	35	18	to	to	ADP
cjfa-34390	35	19	how	how	SCONJ
cjfa-34390	35	20	the	the	DET
cjfa-34390	35	21	operation	operation	NOUN
cjfa-34390	35	22	of	of	ADP
cjfa-34390	35	23	the	the	DET
cjfa-34390	35	24	microfinance	microfinance	NOUN
cjfa-34390	35	25	institutions	institution	NOUN
cjfa-34390	35	26	have	have	AUX
cjfa-34390	35	27	promoted	promote	VERB
cjfa-34390	35	28	financial	financial	ADJ
cjfa-34390	35	29	literacy	literacy	NOUN
cjfa-34390	35	30	among	among	ADP
cjfa-34390	35	31	the	the	DET
cjfa-34390	35	32	people	people	NOUN
cjfa-34390	35	33	of	of	ADP
cjfa-34390	35	34	north	north	PROPN
cjfa-34390	35	35	central	central	ADJ
cjfa-34390	35	36	geo	geo	PROPN
cjfa-34390	35	37	-	-	ADJ
cjfa-34390	35	38	political	political	ADJ
cjfa-34390	35	39	zone	zone	NOUN
cjfa-34390	35	40	in	in	ADP
cjfa-34390	35	41	nigeria	nigeria	PROPN
cjfa-34390	35	42	given	give	VERB
cjfa-34390	35	43	credence	credence	NOUN
cjfa-34390	35	44	to	to	ADP
cjfa-34390	35	45	the	the	DET
cjfa-34390	35	46	fact	fact	NOUN
cjfa-34390	35	47	that	that	SCONJ
cjfa-34390	35	48	the	the	DET
cjfa-34390	35	49	north	north	PROPN
cjfa-34390	35	50	central	central	ADJ
cjfa-34390	35	51	geo	geo	PROPN
cjfa-34390	35	52	-	-	ADJ
cjfa-34390	35	53	political	political	ADJ
cjfa-34390	35	54	zone	zone	NOUN
cjfa-34390	35	55	in	in	ADP
cjfa-34390	35	56	nigeria	nigeria	PROPN
cjfa-34390	35	57	has	have	AUX
cjfa-34390	35	58	the	the	DET
cjfa-34390	35	59	highest	high	ADJ
cjfa-34390	35	60	population	population	NOUN
cjfa-34390	35	61	of	of	ADP
cjfa-34390	35	62	illiterates	illiterate	NOUN
cjfa-34390	35	63	in	in	ADP
cjfa-34390	35	64	nigeria	nigeria	PROPN
cjfa-34390	35	65	,	,	PUNCT
cjfa-34390	35	66	particularly	particularly	ADV
cjfa-34390	35	67	the	the	DET
cjfa-34390	35	68	rural	rural	ADJ
cjfa-34390	35	69	dwellers	dweller	NOUN
cjfa-34390	35	70	considering	consider	VERB
cjfa-34390	35	71	the	the	DET
cjfa-34390	35	72	fact	fact	NOUN
cjfa-34390	35	73	that	that	SCONJ
cjfa-34390	35	74	microfinance	microfinance	NOUN
cjfa-34390	35	75	institutions	institution	NOUN
cjfa-34390	35	76	operate	operate	VERB
cjfa-34390	35	77	outside	outside	ADP
cjfa-34390	35	78	the	the	DET
cjfa-34390	35	79	formal	formal	ADJ
cjfa-34390	35	80	sector	sector	NOUN
cjfa-34390	35	81	.	.	PUNCT
cjfa-34390	36	1	however	however	ADV
cjfa-34390	36	2	,	,	PUNCT
cjfa-34390	36	3	microfinance	microfinance	NOUN
cjfa-34390	36	4	institutions	institution	NOUN
cjfa-34390	36	5	constitute	constitute	VERB
cjfa-34390	36	6	a	a	DET
cjfa-34390	36	7	potent	potent	ADJ
cjfa-34390	36	8	development	development	NOUN
cjfa-34390	36	9	strategy	strategy	NOUN
cjfa-34390	36	10	tool	tool	NOUN
cjfa-34390	36	11	that	that	PRON
cjfa-34390	36	12	enables	enable	VERB
cjfa-34390	36	13	poor	poor	ADJ
cjfa-34390	36	14	entrepreneurs	entrepreneur	NOUN
cjfa-34390	36	15	to	to	PART
cjfa-34390	36	16	initiate	initiate	VERB
cjfa-34390	36	17	their	their	PRON
cjfa-34390	36	18	businesses	business	NOUN
cjfa-34390	36	19	as	as	ADV
cjfa-34390	36	20	well	well	ADV
cjfa-34390	36	21	as	as	ADP
cjfa-34390	36	22	saving	save	VERB
cjfa-34390	36	23	mobilizations	mobilization	NOUN
cjfa-34390	36	24	which	which	PRON
cjfa-34390	36	25	expand	expand	VERB
cjfa-34390	36	26	the	the	DET
cjfa-34390	36	27	circle	circle	NOUN
cjfa-34390	36	28	of	of	ADP
cjfa-34390	36	29	their	their	PRON
cjfa-34390	36	30	economic	economic	ADJ
cjfa-34390	36	31	activities	activity	NOUN
cjfa-34390	36	32	.	.	PUNCT
cjfa-34390	37	1	therefore	therefore	ADV
cjfa-34390	37	2	,	,	PUNCT
cjfa-34390	37	3	the	the	DET
cjfa-34390	37	4	impact	impact	NOUN
cjfa-34390	37	5	of	of	ADP
cjfa-34390	37	6	microfinance	microfinance	NOUN
cjfa-34390	37	7	institutions	institution	NOUN
cjfa-34390	37	8	on	on	ADP
cjfa-34390	37	9	financial	financial	ADJ
cjfa-34390	37	10	literacy	literacy	NOUN
cjfa-34390	37	11	in	in	ADP
cjfa-34390	37	12	nigeria	nigeria	PROPN
cjfa-34390	37	13	has	have	AUX
cjfa-34390	37	14	not	not	PART
cjfa-34390	37	15	being	be	AUX
cjfa-34390	37	16	fully	fully	ADV
cjfa-34390	37	17	researched	research	VERB
cjfa-34390	37	18	on	on	ADP
cjfa-34390	37	19	,	,	PUNCT
cjfa-34390	37	20	it	it	PRON
cjfa-34390	37	21	is	be	AUX
cjfa-34390	37	22	imperative	imperative	ADJ
cjfa-34390	37	23	that	that	SCONJ
cjfa-34390	37	24	the	the	DET
cjfa-34390	37	25	gap	gap	NOUN
cjfa-34390	37	26	be	be	AUX
cjfa-34390	37	27	filled	fill	VERB
cjfa-34390	37	28	by	by	ADP
cjfa-34390	37	29	taking	take	VERB
cjfa-34390	37	30	a	a	DET
cjfa-34390	37	31	look	look	NOUN
cjfa-34390	37	32	at	at	ADP
cjfa-34390	37	33	how	how	SCONJ
cjfa-34390	37	34	the	the	DET
cjfa-34390	37	35	microfinance	microfinance	NOUN
cjfa-34390	37	36	institutions	institution	NOUN
cjfa-34390	37	37	operations	operation	NOUN
cjfa-34390	37	38	affect	affect	VERB
cjfa-34390	37	39	and	and	CCONJ
cjfa-34390	37	40	promote	promote	VERB
cjfa-34390	37	41	financial	financial	ADJ
cjfa-34390	37	42	literacy	literacy	NOUN
cjfa-34390	37	43	especially	especially	ADV
cjfa-34390	37	44	among	among	ADP
cjfa-34390	37	45	the	the	DET
cjfa-34390	37	46	rural	rural	ADJ
cjfa-34390	37	47	dwellers	dweller	NOUN
cjfa-34390	37	48	.	.	PUNCT
cjfa-34390	38	1	to	to	PART
cjfa-34390	38	2	guide	guide	VERB
cjfa-34390	38	3	the	the	DET
cjfa-34390	38	4	thrust	thrust	NOUN
cjfa-34390	38	5	of	of	ADP
cjfa-34390	38	6	this	this	DET
cjfa-34390	38	7	research	research	NOUN
cjfa-34390	38	8	work	work	NOUN
cjfa-34390	38	9	,	,	PUNCT
cjfa-34390	38	10	the	the	DET
cjfa-34390	38	11	following	follow	VERB
cjfa-34390	38	12	hypotheses	hypothesis	NOUN
cjfa-34390	38	13	were	be	AUX
cjfa-34390	38	14	tested	test	VERB
cjfa-34390	38	15	:	:	PUNCT
cjfa-34390	38	16	h1	h1	VERB
cjfa-34390	38	17	:	:	PUNCT
cjfa-34390	38	18	there	there	PRON
cjfa-34390	38	19	is	be	VERB
cjfa-34390	38	20	no	no	DET
cjfa-34390	38	21	significant	significant	ADJ
cjfa-34390	38	22	relationship	relationship	NOUN
cjfa-34390	38	23	between	between	ADP
cjfa-34390	38	24	saving	save	VERB
cjfa-34390	38	25	mobilization	mobilization	NOUN
cjfa-34390	38	26	of	of	ADP
cjfa-34390	38	27	microfinance	microfinance	NOUN
cjfa-34390	38	28	institutions	institution	NOUN
cjfa-34390	38	29	operations	operation	NOUN
cjfa-34390	38	30	and	and	CCONJ
cjfa-34390	38	31	financial	financial	ADJ
cjfa-34390	38	32	literacy	literacy	NOUN
cjfa-34390	38	33	.	.	PUNCT
cjfa-34390	39	1	h2	h2	NOUN
cjfa-34390	39	2	:	:	PUNCT
cjfa-34390	39	3	there	there	PRON
cjfa-34390	39	4	is	be	VERB
cjfa-34390	39	5	no	no	DET
cjfa-34390	39	6	significant	significant	ADJ
cjfa-34390	39	7	effect	effect	NOUN
cjfa-34390	39	8	of	of	ADP
cjfa-34390	39	9	microfinance	microfinance	NOUN
cjfa-34390	39	10	institutions	institution	NOUN
cjfa-34390	39	11	accessibility	accessibility	NOUN
cjfa-34390	39	12	on	on	ADP
cjfa-34390	39	13	e	e	NOUN
cjfa-34390	39	14	-	-	ADJ
cjfa-34390	39	15	banking	banking	ADJ
cjfa-34390	39	16	platform	platform	NOUN
cjfa-34390	39	17	usage	usage	NOUN
cjfa-34390	39	18	.	.	PUNCT
cjfa-34390	40	1	h3	h3	NOUN
cjfa-34390	40	2	:	:	PUNCT
cjfa-34390	40	3	there	there	PRON
cjfa-34390	40	4	is	be	VERB
cjfa-34390	40	5	no	no	DET
cjfa-34390	40	6	significant	significant	ADJ
cjfa-34390	40	7	effect	effect	NOUN
cjfa-34390	40	8	of	of	ADP
cjfa-34390	40	9	microfinance	microfinance	NOUN
cjfa-34390	40	10	institutions	institution	NOUN
cjfa-34390	40	11	activities	activity	NOUN
cjfa-34390	40	12	on	on	ADP
cjfa-34390	40	13	the	the	DET
cjfa-34390	40	14	financial	financial	ADJ
cjfa-34390	40	15	decisions	decision	NOUN
cjfa-34390	40	16	of	of	ADP
cjfa-34390	40	17	the	the	DET
cjfa-34390	40	18	rural	rural	ADJ
cjfa-34390	40	19	dwellers	dweller	NOUN
cjfa-34390	40	20	.	.	PUNCT
cjfa-34390	41	1	ibrahim	ibrahim	PROPN
cjfa-34390	41	2	majeed	majeed	PROPN
cjfa-34390	41	3	ajibola	ajibola	PROPN
cjfa-34390	41	4	,	,	PUNCT
cjfa-34390	41	5	daud	daud	PROPN
cjfa-34390	41	6	omotosho	omotosho	PROPN
cjfa-34390	41	7	saheed	sahee	VERB
cjfa-34390	41	8	,	,	PUNCT
cjfa-34390	41	9	lukman	lukman	PROPN
cjfa-34390	41	10	adedoyin12	adedoyin12	PROPN
cjfa-34390	41	11	literature	literature	PROPN
cjfa-34390	41	12	review	review	PROPN
cjfa-34390	41	13	conceptual	conceptual	ADJ
cjfa-34390	41	14	review	review	NOUN
cjfa-34390	41	15	financial	financial	ADJ
cjfa-34390	41	16	literacy	literacy	NOUN
cjfa-34390	41	17	as	as	ADP
cjfa-34390	41	18	a	a	DET
cjfa-34390	41	19	persons	person	NOUN
cjfa-34390	41	20	’	'	PUNCT
cjfa-34390	41	21	minimal	minimal	ADJ
cjfa-34390	41	22	knowledge	knowledge	NOUN
cjfa-34390	41	23	about	about	ADP
cjfa-34390	41	24	financial	financial	ADJ
cjfa-34390	41	25	terms	term	NOUN
cjfa-34390	41	26	such	such	ADJ
cjfa-34390	41	27	as	as	ADP
cjfa-34390	41	28	money	money	NOUN
cjfa-34390	41	29	,	,	PUNCT
cjfa-34390	41	30	inflation	inflation	NOUN
cjfa-34390	41	31	,	,	PUNCT
cjfa-34390	41	32	interest	interest	NOUN
cjfa-34390	41	33	rate	rate	NOUN
cjfa-34390	41	34	,	,	PUNCT
cjfa-34390	41	35	credit	credit	NOUN
cjfa-34390	41	36	and	and	CCONJ
cjfa-34390	41	37	others	other	NOUN
cjfa-34390	41	38	financial	financial	ADJ
cjfa-34390	41	39	related	relate	VERB
cjfa-34390	41	40	concept	concept	NOUN
cjfa-34390	41	41	(	(	PUNCT
cjfa-34390	41	42	greenspan	greenspan	PROPN
cjfa-34390	41	43	,	,	PUNCT
cjfa-34390	41	44	2002	2002	NUM
cjfa-34390	41	45	)	)	PUNCT
cjfa-34390	41	46	.	.	PUNCT
cjfa-34390	42	1	the	the	DET
cjfa-34390	42	2	ability	ability	NOUN
cjfa-34390	42	3	,	,	PUNCT
cjfa-34390	42	4	capacity	capacity	NOUN
cjfa-34390	42	5	,	,	PUNCT
cjfa-34390	42	6	dexterity	dexterity	NOUN
cjfa-34390	42	7	and	and	CCONJ
cjfa-34390	42	8	skills	skill	NOUN
cjfa-34390	42	9	of	of	ADP
cjfa-34390	42	10	an	an	DET
cjfa-34390	42	11	individual	individual	NOUN
cjfa-34390	42	12	to	to	PART
cjfa-34390	42	13	use	use	VERB
cjfa-34390	42	14	all	all	DET
cjfa-34390	42	15	this	this	DET
cjfa-34390	42	16	information	information	NOUN
cjfa-34390	42	17	in	in	ADP
cjfa-34390	42	18	making	make	VERB
cjfa-34390	42	19	personal	personal	ADJ
cjfa-34390	42	20	financial	financial	ADJ
cjfa-34390	42	21	decisions	decision	NOUN
cjfa-34390	42	22	.	.	PUNCT
cjfa-34390	43	1	socol	socol	PRON
cjfa-34390	43	2	(	(	PUNCT
cjfa-34390	43	3	2014	2014	NUM
cjfa-34390	43	4	)	)	PUNCT
cjfa-34390	43	5	opined	opine	VERB
cjfa-34390	43	6	that	that	SCONJ
cjfa-34390	43	7	the	the	DET
cjfa-34390	43	8	concept	concept	NOUN
cjfa-34390	43	9	of	of	ADP
cjfa-34390	43	10	financial	financial	ADJ
cjfa-34390	43	11	literacy	literacy	NOUN
cjfa-34390	43	12	restricted	restrict	VERB
cjfa-34390	43	13	to	to	ADP
cjfa-34390	43	14	knowledge	knowledge	NOUN
cjfa-34390	43	15	and	and	CCONJ
cjfa-34390	43	16	skill	skill	NOUN
cjfa-34390	43	17	elements	element	NOUN
cjfa-34390	43	18	.	.	PUNCT
cjfa-34390	44	1	more	more	ADV
cjfa-34390	44	2	particularly	particularly	ADV
cjfa-34390	44	3	,	,	PUNCT
cjfa-34390	44	4	the	the	DET
cjfa-34390	44	5	concept	concept	NOUN
cjfa-34390	44	6	of	of	ADP
cjfa-34390	44	7	financial	financial	ADJ
cjfa-34390	44	8	literacy	literacy	NOUN
cjfa-34390	44	9	now	now	ADV
cjfa-34390	44	10	requires	require	VERB
cjfa-34390	44	11	individual	individual	ADJ
cjfa-34390	44	12	financial	financial	ADJ
cjfa-34390	44	13	behavior	behavior	NOUN
cjfa-34390	44	14	,	,	PUNCT
cjfa-34390	44	15	preference	preference	NOUN
cjfa-34390	44	16	as	as	ADV
cjfa-34390	44	17	well	well	ADV
cjfa-34390	44	18	as	as	ADP
cjfa-34390	44	19	self	self	NOUN
cjfa-34390	44	20	-	-	PUNCT
cjfa-34390	44	21	discipline	discipline	NOUN
cjfa-34390	44	22	to	to	PART
cjfa-34390	44	23	ensure	ensure	VERB
cjfa-34390	44	24	a	a	DET
cjfa-34390	44	25	better	well	ADJ
cjfa-34390	44	26	financial	financial	ADJ
cjfa-34390	44	27	investment	investment	NOUN
cjfa-34390	44	28	decision	decision	NOUN
cjfa-34390	44	29	.	.	PUNCT
cjfa-34390	45	1	financial	financial	ADJ
cjfa-34390	45	2	orientation	orientation	NOUN
cjfa-34390	45	3	and	and	CCONJ
cjfa-34390	45	4	literacy	literacy	NOUN
cjfa-34390	45	5	is	be	AUX
cjfa-34390	45	6	a	a	DET
cjfa-34390	45	7	broad	broad	ADJ
cjfa-34390	45	8	concept	concept	NOUN
cjfa-34390	45	9	that	that	PRON
cjfa-34390	45	10	requires	require	VERB
cjfa-34390	45	11	the	the	DET
cjfa-34390	45	12	translation	translation	NOUN
cjfa-34390	45	13	of	of	ADP
cjfa-34390	45	14	idea	idea	NOUN
cjfa-34390	45	15	and	and	CCONJ
cjfa-34390	45	16	knowledge	knowledge	NOUN
cjfa-34390	45	17	for	for	ADP
cjfa-34390	45	18	the	the	DET
cjfa-34390	45	19	purpose	purpose	NOUN
cjfa-34390	45	20	of	of	ADP
cjfa-34390	45	21	wealth	wealth	NOUN
cjfa-34390	45	22	creation	creation	NOUN
cjfa-34390	45	23	in	in	ADP
cjfa-34390	45	24	terms	term	NOUN
cjfa-34390	45	25	of	of	ADP
cjfa-34390	45	26	efficient	efficient	ADJ
cjfa-34390	45	27	saving	saving	NOUN
cjfa-34390	45	28	and	and	CCONJ
cjfa-34390	45	29	investment	investment	NOUN
cjfa-34390	45	30	.	.	PUNCT
cjfa-34390	46	1	financial	financial	ADJ
cjfa-34390	46	2	numeracy	numeracy	NOUN
cjfa-34390	46	3	,	,	PUNCT
cjfa-34390	46	4	literacy	literacy	NOUN
cjfa-34390	46	5	and	and	CCONJ
cjfa-34390	46	6	orientation	orientation	NOUN
cjfa-34390	46	7	perhaps	perhaps	ADV
cjfa-34390	46	8	depend	depend	VERB
cjfa-34390	46	9	on	on	ADP
cjfa-34390	46	10	the	the	DET
cjfa-34390	46	11	financial	financial	ADJ
cjfa-34390	46	12	system	system	NOUN
cjfa-34390	46	13	and	and	CCONJ
cjfa-34390	46	14	the	the	DET
cjfa-34390	46	15	framework	framework	NOUN
cjfa-34390	46	16	in	in	ADP
cjfa-34390	46	17	which	which	PRON
cjfa-34390	46	18	individuals	individual	NOUN
cjfa-34390	46	19	and	and	CCONJ
cjfa-34390	46	20	communities	community	NOUN
cjfa-34390	46	21	operate	operate	VERB
cjfa-34390	46	22	.	.	PUNCT
cjfa-34390	47	1	bayer	bayer	PROPN
cjfa-34390	47	2	and	and	CCONJ
cjfa-34390	47	3	douglas	douglas	PROPN
cjfa-34390	47	4	(	(	PUNCT
cjfa-34390	47	5	2009	2009	NUM
cjfa-34390	47	6	)	)	PUNCT
cjfa-34390	47	7	argue	argue	VERB
cjfa-34390	47	8	that	that	SCONJ
cjfa-34390	47	9	low	low	ADJ
cjfa-34390	47	10	financial	financial	ADJ
cjfa-34390	47	11	knowledge	knowledge	NOUN
cjfa-34390	47	12	in	in	ADP
cjfa-34390	47	13	this	this	DET
cjfa-34390	47	14	part	part	NOUN
cjfa-34390	47	15	of	of	ADP
cjfa-34390	47	16	the	the	DET
cjfa-34390	47	17	world	world	NOUN
cjfa-34390	47	18	has	have	AUX
cjfa-34390	47	19	promoted	promote	VERB
cjfa-34390	47	20	wrong	wrong	ADJ
cjfa-34390	47	21	financial	financial	ADJ
cjfa-34390	47	22	plans	plan	NOUN
cjfa-34390	47	23	and	and	CCONJ
cjfa-34390	47	24	decisions	decision	NOUN
cjfa-34390	47	25	which	which	PRON
cjfa-34390	47	26	has	have	AUX
cjfa-34390	47	27	induced	induce	VERB
cjfa-34390	47	28	the	the	DET
cjfa-34390	47	29	prosperity	prosperity	NOUN
cjfa-34390	47	30	index	index	NOUN
cjfa-34390	47	31	in	in	ADP
cjfa-34390	47	32	the	the	DET
cjfa-34390	47	33	nonproductive	nonproductive	ADJ
cjfa-34390	47	34	age	age	NOUN
cjfa-34390	47	35	of	of	ADP
cjfa-34390	47	36	demography	demography	NOUN
cjfa-34390	47	37	.	.	PUNCT
cjfa-34390	48	1	the	the	DET
cjfa-34390	48	2	cardinal	cardinal	ADJ
cjfa-34390	48	3	focus	focus	NOUN
cjfa-34390	48	4	of	of	ADP
cjfa-34390	48	5	financial	financial	ADJ
cjfa-34390	48	6	numeracy	numeracy	NOUN
cjfa-34390	48	7	and	and	CCONJ
cjfa-34390	48	8	literacy	literacy	NOUN
cjfa-34390	48	9	is	be	AUX
cjfa-34390	48	10	to	to	PART
cjfa-34390	48	11	give	give	VERB
cjfa-34390	48	12	financial	financial	ADJ
cjfa-34390	48	13	education	education	NOUN
cjfa-34390	48	14	and	and	CCONJ
cjfa-34390	48	15	orientations	orientation	NOUN
cjfa-34390	48	16	to	to	ADP
cjfa-34390	48	17	all	all	PRON
cjfa-34390	48	18	and	and	CCONJ
cjfa-34390	48	19	sundry	sundry	ADJ
cjfa-34390	48	20	specifically	specifically	ADV
cjfa-34390	48	21	the	the	DET
cjfa-34390	48	22	rural	rural	ADJ
cjfa-34390	48	23	dwellers	dweller	NOUN
cjfa-34390	48	24	in	in	ADP
cjfa-34390	48	25	order	order	NOUN
cjfa-34390	48	26	to	to	PART
cjfa-34390	48	27	manage	manage	VERB
cjfa-34390	48	28	their	their	PRON
cjfa-34390	48	29	finances	finance	NOUN
cjfa-34390	48	30	diligently	diligently	ADV
cjfa-34390	48	31	and	and	CCONJ
cjfa-34390	48	32	intelligently	intelligently	ADV
cjfa-34390	48	33	,	,	PUNCT
cjfa-34390	48	34	as	as	ADP
cjfa-34390	48	35	a	a	DET
cjfa-34390	48	36	way	way	NOUN
cjfa-34390	48	37	of	of	ADP
cjfa-34390	48	38	addressing	address	VERB
cjfa-34390	48	39	information	information	NOUN
cjfa-34390	48	40	asymmetry	asymmetry	NOUN
cjfa-34390	48	41	associated	associate	VERB
cjfa-34390	48	42	with	with	ADP
cjfa-34390	48	43	investment	investment	NOUN
cjfa-34390	48	44	decisions	decision	NOUN
cjfa-34390	48	45	in	in	ADP
cjfa-34390	48	46	relation	relation	NOUN
cjfa-34390	48	47	to	to	ADP
cjfa-34390	48	48	investment	investment	NOUN
cjfa-34390	48	49	products	product	NOUN
cjfa-34390	48	50	that	that	PRON
cjfa-34390	48	51	offer	offer	VERB
cjfa-34390	48	52	high	high	ADJ
cjfa-34390	48	53	profits	profit	NOUN
cjfa-34390	48	54	in	in	ADP
cjfa-34390	48	55	the	the	DET
cjfa-34390	48	56	short	short	ADJ
cjfa-34390	48	57	term	term	NOUN
cjfa-34390	48	58	without	without	ADP
cjfa-34390	48	59	considering	consider	VERB
cjfa-34390	48	60	the	the	DET
cjfa-34390	48	61	associated	associated	ADJ
cjfa-34390	48	62	risks	risk	NOUN
cjfa-34390	48	63	.	.	PUNCT
cjfa-34390	49	1	theoretical	theoretical	ADJ
cjfa-34390	49	2	background	background	NOUN
cjfa-34390	49	3	learning	learn	VERB
cjfa-34390	49	4	theory	theory	NOUN
cjfa-34390	49	5	learning	learn	VERB
cjfa-34390	49	6	theory	theory	NOUN
cjfa-34390	49	7	was	be	AUX
cjfa-34390	49	8	promulgated	promulgate	VERB
cjfa-34390	49	9	by	by	ADP
cjfa-34390	49	10	skinner	skinner	PROPN
cjfa-34390	49	11	(	(	PUNCT
cjfa-34390	49	12	1953	1953	NUM
cjfa-34390	49	13	)	)	PUNCT
cjfa-34390	49	14	who	who	PRON
cjfa-34390	49	15	postulated	postulate	VERB
cjfa-34390	49	16	that	that	SCONJ
cjfa-34390	49	17	behaviour	behaviour	NOUN
cjfa-34390	49	18	is	be	AUX
cjfa-34390	49	19	associated	associate	VERB
cjfa-34390	49	20	with	with	ADP
cjfa-34390	49	21	consequence	consequence	NOUN
cjfa-34390	49	22	based	base	VERB
cjfa-34390	49	23	on	on	ADP
cjfa-34390	49	24	the	the	DET
cjfa-34390	49	25	assumption	assumption	NOUN
cjfa-34390	49	26	that	that	SCONJ
cjfa-34390	49	27	the	the	DET
cjfa-34390	49	28	behavior	behavior	NOUN
cjfa-34390	49	29	of	of	ADP
cjfa-34390	49	30	an	an	DET
cjfa-34390	49	31	individual	individual	NOUN
cjfa-34390	49	32	has	have	AUX
cjfa-34390	49	33	direct	direct	ADJ
cjfa-34390	49	34	link	link	NOUN
cjfa-34390	49	35	with	with	ADP
cjfa-34390	49	36	their	their	PRON
cjfa-34390	49	37	ability	ability	NOUN
cjfa-34390	49	38	and	and	CCONJ
cjfa-34390	49	39	capacity	capacity	NOUN
cjfa-34390	49	40	.	.	PUNCT
cjfa-34390	50	1	thus	thus	ADV
cjfa-34390	50	2	,	,	PUNCT
cjfa-34390	50	3	the	the	DET
cjfa-34390	50	4	theory	theory	NOUN
cjfa-34390	50	5	is	be	AUX
cjfa-34390	50	6	mainly	mainly	ADV
cjfa-34390	50	7	concern	concern	NOUN
cjfa-34390	50	8	with	with	ADP
cjfa-34390	50	9	the	the	DET
cjfa-34390	50	10	possibility	possibility	NOUN
cjfa-34390	50	11	of	of	ADP
cjfa-34390	50	12	making	make	VERB
cjfa-34390	50	13	certain	certain	ADJ
cjfa-34390	50	14	decisions	decision	NOUN
cjfa-34390	50	15	with	with	ADP
cjfa-34390	50	16	respect	respect	NOUN
cjfa-34390	50	17	to	to	ADP
cjfa-34390	50	18	self	self	NOUN
cjfa-34390	50	19	-	-	PUNCT
cjfa-34390	50	20	discipline	discipline	NOUN
cjfa-34390	50	21	and	and	CCONJ
cjfa-34390	50	22	preference	preference	NOUN
cjfa-34390	50	23	in	in	ADP
cjfa-34390	50	24	connection	connection	NOUN
cjfa-34390	50	25	with	with	ADP
cjfa-34390	50	26	an	an	DET
cjfa-34390	50	27	impending	impending	ADJ
cjfa-34390	50	28	consequence	consequence	NOUN
cjfa-34390	50	29	regarding	regard	VERB
cjfa-34390	50	30	how	how	SCONJ
cjfa-34390	50	31	individual	individual	ADJ
cjfa-34390	50	32	knowledge	knowledge	NOUN
cjfa-34390	50	33	and	and	CCONJ
cjfa-34390	50	34	exposure	exposure	NOUN
cjfa-34390	50	35	affect	affect	VERB
cjfa-34390	50	36	their	their	PRON
cjfa-34390	50	37	de	de	ADJ
cjfa-34390	50	38	impact	impact	NOUN
cjfa-34390	50	39	of	of	ADP
cjfa-34390	50	40	microfinance	microfinance	NOUN
cjfa-34390	50	41	institutions	institution	NOUN
cjfa-34390	50	42	on	on	ADP
cjfa-34390	50	43	financial	financial	ADJ
cjfa-34390	50	44	literacy	literacy	NOUN
cjfa-34390	50	45	…	…	PUNCT
cjfa-34390	50	46	13	13	NUM
cjfa-34390	50	47	cision	cision	NOUN
cjfa-34390	50	48	making	making	NOUN
cjfa-34390	50	49	.	.	PUNCT
cjfa-34390	51	1	thus	thus	ADV
cjfa-34390	51	2	,	,	PUNCT
cjfa-34390	51	3	it	it	PRON
cjfa-34390	51	4	is	be	AUX
cjfa-34390	51	5	important	important	ADJ
cjfa-34390	51	6	to	to	PART
cjfa-34390	51	7	note	note	VERB
cjfa-34390	51	8	that	that	SCONJ
cjfa-34390	51	9	financial	financial	ADJ
cjfa-34390	51	10	literacy	literacy	NOUN
cjfa-34390	51	11	induce	induce	VERB
cjfa-34390	51	12	the	the	DET
cjfa-34390	51	13	skills	skill	NOUN
cjfa-34390	51	14	and	and	CCONJ
cjfa-34390	51	15	knowledge	knowledge	NOUN
cjfa-34390	51	16	of	of	ADP
cjfa-34390	51	17	individuals	individual	NOUN
cjfa-34390	51	18	in	in	ADP
cjfa-34390	51	19	making	make	VERB
cjfa-34390	51	20	key	key	ADJ
cjfa-34390	51	21	financial	financial	ADJ
cjfa-34390	51	22	and	and	CCONJ
cjfa-34390	51	23	investment	investment	NOUN
cjfa-34390	51	24	related	relate	VERB
cjfa-34390	51	25	decisions	decision	NOUN
cjfa-34390	51	26	that	that	PRON
cjfa-34390	51	27	affect	affect	VERB
cjfa-34390	51	28	their	their	PRON
cjfa-34390	51	29	lives	life	NOUN
cjfa-34390	51	30	and	and	CCONJ
cjfa-34390	51	31	considering	consider	VERB
cjfa-34390	51	32	the	the	DET
cjfa-34390	51	33	strategic	strategic	ADJ
cjfa-34390	51	34	role	role	NOUN
cjfa-34390	51	35	microfinance	microfinance	NOUN
cjfa-34390	51	36	institutions	institution	NOUN
cjfa-34390	51	37	play	play	VERB
cjfa-34390	51	38	in	in	ADP
cjfa-34390	51	39	relation	relation	NOUN
cjfa-34390	51	40	to	to	ADP
cjfa-34390	51	41	the	the	DET
cjfa-34390	51	42	financial	financial	ADJ
cjfa-34390	51	43	literacy	literacy	NOUN
cjfa-34390	51	44	of	of	ADP
cjfa-34390	51	45	low	low	ADJ
cjfa-34390	51	46	income	income	NOUN
cjfa-34390	51	47	earners	earner	NOUN
cjfa-34390	51	48	and	and	CCONJ
cjfa-34390	51	49	the	the	DET
cjfa-34390	51	50	rural	rural	ADJ
cjfa-34390	51	51	dwellers	dweller	NOUN
cjfa-34390	51	52	that	that	PRON
cjfa-34390	51	53	are	be	AUX
cjfa-34390	51	54	mostly	mostly	ADV
cjfa-34390	51	55	financially	financially	ADV
cjfa-34390	51	56	excluded	exclude	VERB
cjfa-34390	51	57	.	.	PUNCT
cjfa-34390	52	1	empirical	empirical	ADJ
cjfa-34390	52	2	review	review	PROPN
cjfa-34390	52	3	mohamed	mohame	VERB
cjfa-34390	52	4	and	and	CCONJ
cjfa-34390	52	5	mukhongo	mukhongo	NOUN
cjfa-34390	52	6	(	(	PUNCT
cjfa-34390	52	7	2016	2016	NUM
cjfa-34390	52	8	)	)	PUNCT
cjfa-34390	52	9	examine	examine	VERB
cjfa-34390	52	10	the	the	DET
cjfa-34390	52	11	effect	effect	NOUN
cjfa-34390	52	12	of	of	ADP
cjfa-34390	52	13	microfinance	microfinance	NOUN
cjfa-34390	52	14	services	service	NOUN
cjfa-34390	52	15	on	on	ADP
cjfa-34390	52	16	the	the	DET
cjfa-34390	52	17	financial	financial	ADJ
cjfa-34390	52	18	performance	performance	NOUN
cjfa-34390	52	19	of	of	ADP
cjfa-34390	52	20	small	small	ADJ
cjfa-34390	52	21	and	and	CCONJ
cjfa-34390	52	22	medium	medium	ADJ
cjfa-34390	52	23	enterprises	enterprise	NOUN
cjfa-34390	52	24	,	,	PUNCT
cjfa-34390	52	25	in	in	ADP
cjfa-34390	52	26	mogadishu	mogadishu	PROPN
cjfa-34390	52	27	,	,	PUNCT
cjfa-34390	52	28	somalia	somalia	PROPN
cjfa-34390	52	29	.	.	PUNCT
cjfa-34390	53	1	the	the	DET
cjfa-34390	53	2	data	datum	NOUN
cjfa-34390	53	3	used	use	VERB
cjfa-34390	53	4	for	for	ADP
cjfa-34390	53	5	the	the	DET
cjfa-34390	53	6	study	study	NOUN
cjfa-34390	53	7	was	be	AUX
cjfa-34390	53	8	collected	collect	VERB
cjfa-34390	53	9	through	through	ADP
cjfa-34390	53	10	a	a	DET
cjfa-34390	53	11	structured	structured	ADJ
cjfa-34390	53	12	questionnaire	questionnaire	NOUN
cjfa-34390	53	13	that	that	PRON
cjfa-34390	53	14	was	be	AUX
cjfa-34390	53	15	administered	administer	VERB
cjfa-34390	53	16	to	to	ADP
cjfa-34390	53	17	the	the	DET
cjfa-34390	53	18	selected	select	VERB
cjfa-34390	53	19	respondents	respondent	NOUN
cjfa-34390	53	20	that	that	PRON
cjfa-34390	53	21	were	be	AUX
cjfa-34390	53	22	purposively	purposively	ADV
cjfa-34390	53	23	selected	select	VERB
cjfa-34390	53	24	to	to	PART
cjfa-34390	53	25	serve	serve	VERB
cjfa-34390	53	26	as	as	ADP
cjfa-34390	53	27	fair	fair	ADJ
cjfa-34390	53	28	representation	representation	NOUN
cjfa-34390	53	29	for	for	ADP
cjfa-34390	53	30	the	the	DET
cjfa-34390	53	31	population	population	NOUN
cjfa-34390	53	32	under	under	ADP
cjfa-34390	53	33	study	study	NOUN
cjfa-34390	53	34	.	.	PUNCT
cjfa-34390	54	1	regression	regression	NOUN
cjfa-34390	54	2	model	model	NOUN
cjfa-34390	54	3	was	be	AUX
cjfa-34390	54	4	adopted	adopt	VERB
cjfa-34390	54	5	with	with	ADP
cjfa-34390	54	6	the	the	DET
cjfa-34390	54	7	view	view	NOUN
cjfa-34390	54	8	to	to	PART
cjfa-34390	54	9	test	test	VERB
cjfa-34390	54	10	for	for	ADP
cjfa-34390	54	11	the	the	DET
cjfa-34390	54	12	significance	significance	NOUN
cjfa-34390	54	13	of	of	ADP
cjfa-34390	54	14	the	the	DET
cjfa-34390	54	15	study	study	NOUN
cjfa-34390	54	16	hypotheses	hypothesis	NOUN
cjfa-34390	54	17	.	.	PUNCT
cjfa-34390	55	1	the	the	DET
cjfa-34390	55	2	results	result	NOUN
cjfa-34390	55	3	show	show	VERB
cjfa-34390	55	4	that	that	SCONJ
cjfa-34390	55	5	moderate	moderate	ADJ
cjfa-34390	55	6	positive	positive	ADJ
cjfa-34390	55	7	relationship	relationship	NOUN
cjfa-34390	55	8	exists	exist	VERB
cjfa-34390	55	9	between	between	ADP
cjfa-34390	55	10	financial	financial	ADJ
cjfa-34390	55	11	sustainability	sustainability	NOUN
cjfa-34390	55	12	,	,	PUNCT
cjfa-34390	55	13	financial	financial	ADJ
cjfa-34390	55	14	literacy	literacy	NOUN
cjfa-34390	55	15	,	,	PUNCT
cjfa-34390	55	16	risk	risk	NOUN
cjfa-34390	55	17	diversification	diversification	NOUN
cjfa-34390	55	18	and	and	CCONJ
cjfa-34390	55	19	financial	financial	ADJ
cjfa-34390	55	20	performance	performance	NOUN
cjfa-34390	55	21	of	of	ADP
cjfa-34390	55	22	microfinance	microfinance	NOUN
cjfa-34390	55	23	institutions	institution	NOUN
cjfa-34390	55	24	in	in	ADP
cjfa-34390	55	25	mogadishu	mogadishu	PROPN
cjfa-34390	55	26	,	,	PUNCT
cjfa-34390	55	27	somalia	somalia	PROPN
cjfa-34390	55	28	.	.	PUNCT
cjfa-34390	56	1	in	in	ADP
cjfa-34390	56	2	the	the	DET
cjfa-34390	56	3	light	light	NOUN
cjfa-34390	56	4	of	of	ADP
cjfa-34390	56	5	the	the	DET
cjfa-34390	56	6	forgoing	forgoing	NOUN
cjfa-34390	56	7	it	it	PRON
cjfa-34390	56	8	was	be	AUX
cjfa-34390	56	9	recommended	recommend	VERB
cjfa-34390	56	10	that	that	SCONJ
cjfa-34390	56	11	the	the	DET
cjfa-34390	56	12	microfinance	microfinance	NOUN
cjfa-34390	56	13	institutions	institution	NOUN
cjfa-34390	56	14	should	should	AUX
cjfa-34390	56	15	expand	expand	VERB
cjfa-34390	56	16	their	their	PRON
cjfa-34390	56	17	services	service	NOUN
cjfa-34390	56	18	to	to	ADP
cjfa-34390	56	19	other	other	ADJ
cjfa-34390	56	20	parts	part	NOUN
cjfa-34390	56	21	of	of	ADP
cjfa-34390	56	22	the	the	DET
cjfa-34390	56	23	country	country	NOUN
cjfa-34390	56	24	as	as	ADP
cjfa-34390	56	25	a	a	DET
cjfa-34390	56	26	way	way	NOUN
cjfa-34390	56	27	of	of	ADP
cjfa-34390	56	28	accelerating	accelerate	VERB
cjfa-34390	56	29	smes	sme	NOUN
cjfa-34390	56	30	growth	growth	NOUN
cjfa-34390	56	31	among	among	ADP
cjfa-34390	56	32	the	the	DET
cjfa-34390	56	33	people	people	NOUN
cjfa-34390	56	34	of	of	ADP
cjfa-34390	56	35	mogadishu	mogadishu	PROPN
cjfa-34390	56	36	in	in	ADP
cjfa-34390	56	37	somalia	somalia	PROPN
cjfa-34390	56	38	.	.	PUNCT
cjfa-34390	57	1	chibba	chibba	NOUN
cjfa-34390	57	2	(	(	PUNCT
cjfa-34390	57	3	2009	2009	NUM
cjfa-34390	57	4	)	)	PUNCT
cjfa-34390	57	5	empirically	empirically	ADV
cjfa-34390	57	6	investigate	investigate	VERB
cjfa-34390	57	7	the	the	DET
cjfa-34390	57	8	influence	influence	NOUN
cjfa-34390	57	9	of	of	ADP
cjfa-34390	57	10	financial	financial	ADJ
cjfa-34390	57	11	literacy	literacy	NOUN
cjfa-34390	57	12	on	on	ADP
cjfa-34390	57	13	financial	financial	ADJ
cjfa-34390	57	14	decisions	decision	NOUN
cjfa-34390	57	15	of	of	ADP
cjfa-34390	57	16	micro	micro	ADJ
cjfa-34390	57	17	finance	finance	NOUN
cjfa-34390	57	18	institution	institution	NOUN
cjfa-34390	57	19	clients	client	NOUN
cjfa-34390	57	20	in	in	ADP
cjfa-34390	57	21	embu	embu	NOUN
cjfa-34390	57	22	county	county	NOUN
cjfa-34390	57	23	.	.	PUNCT
cjfa-34390	58	1	questionnaire	questionnaire	NOUN
cjfa-34390	58	2	was	be	AUX
cjfa-34390	58	3	adopted	adopt	VERB
cjfa-34390	58	4	as	as	ADP
cjfa-34390	58	5	a	a	DET
cjfa-34390	58	6	tool	tool	NOUN
cjfa-34390	58	7	for	for	ADP
cjfa-34390	58	8	data	data	NOUN
cjfa-34390	58	9	collection	collection	NOUN
cjfa-34390	58	10	.	.	PUNCT
cjfa-34390	59	1	the	the	DET
cjfa-34390	59	2	collected	collect	VERB
cjfa-34390	59	3	date	date	NOUN
cjfa-34390	59	4	was	be	AUX
cjfa-34390	59	5	analyzed	analyze	VERB
cjfa-34390	59	6	using	use	VERB
cjfa-34390	59	7	statistical	statistical	ADJ
cjfa-34390	59	8	package	package	NOUN
cjfa-34390	59	9	for	for	ADP
cjfa-34390	59	10	social	social	ADJ
cjfa-34390	59	11	sciences	science	NOUN
cjfa-34390	59	12	(	(	PUNCT
cjfa-34390	59	13	spss	spss	ADJ
cjfa-34390	59	14	)	)	PUNCT
cjfa-34390	59	15	computer	computer	NOUN
cjfa-34390	59	16	program	program	NOUN
cjfa-34390	59	17	.	.	PUNCT
cjfa-34390	60	1	spearman	spearman	NOUN
cjfa-34390	60	2	’s	’s	PART
cjfa-34390	60	3	correlation	correlation	NOUN
cjfa-34390	60	4	was	be	AUX
cjfa-34390	60	5	used	use	VERB
cjfa-34390	60	6	to	to	PART
cjfa-34390	60	7	establish	establish	VERB
cjfa-34390	60	8	the	the	DET
cjfa-34390	60	9	nature	nature	NOUN
cjfa-34390	60	10	of	of	ADP
cjfa-34390	60	11	relationship	relationship	NOUN
cjfa-34390	60	12	that	that	PRON
cjfa-34390	60	13	exist	exist	VERB
cjfa-34390	60	14	between	between	ADP
cjfa-34390	60	15	the	the	DET
cjfa-34390	60	16	dependent	dependent	ADJ
cjfa-34390	60	17	variable	variable	NOUN
cjfa-34390	60	18	and	and	CCONJ
cjfa-34390	60	19	adopted	adopt	VERB
cjfa-34390	60	20	proxies	proxy	NOUN
cjfa-34390	60	21	for	for	ADP
cjfa-34390	60	22	the	the	DET
cjfa-34390	60	23	independent	independent	ADJ
cjfa-34390	60	24	variables	variable	NOUN
cjfa-34390	60	25	.	.	PUNCT
cjfa-34390	61	1	the	the	DET
cjfa-34390	61	2	results	result	NOUN
cjfa-34390	61	3	show	show	VERB
cjfa-34390	61	4	that	that	SCONJ
cjfa-34390	61	5	financial	financial	ADJ
cjfa-34390	61	6	illiteracy	illiteracy	NOUN
cjfa-34390	61	7	of	of	ADP
cjfa-34390	61	8	certain	certain	ADJ
cjfa-34390	61	9	portion	portion	NOUN
cjfa-34390	61	10	of	of	ADP
cjfa-34390	61	11	the	the	DET
cjfa-34390	61	12	demographic	demographic	ADJ
cjfa-34390	61	13	especially	especially	ADV
cjfa-34390	61	14	the	the	DET
cjfa-34390	61	15	rural	rural	ADJ
cjfa-34390	61	16	dwellers	dweller	NOUN
cjfa-34390	61	17	about	about	ADP
cjfa-34390	61	18	mfi	mfi	PROPN
cjfa-34390	61	19	operations	operation	NOUN
cjfa-34390	61	20	had	have	AUX
cjfa-34390	61	21	made	make	VERB
cjfa-34390	61	22	some	some	PRON
cjfa-34390	61	23	of	of	ADP
cjfa-34390	61	24	them	they	PRON
cjfa-34390	61	25	poorer	poor	ADJ
cjfa-34390	61	26	because	because	SCONJ
cjfa-34390	61	27	of	of	ADP
cjfa-34390	61	28	wrong	wrong	ADJ
cjfa-34390	61	29	investment	investment	NOUN
cjfa-34390	61	30	decisions	decision	NOUN
cjfa-34390	61	31	.	.	PUNCT
cjfa-34390	62	1	it	it	PRON
cjfa-34390	62	2	was	be	AUX
cjfa-34390	62	3	recommended	recommend	VERB
cjfa-34390	62	4	that	that	SCONJ
cjfa-34390	62	5	mfi	mfi	PROPN
cjfa-34390	62	6	should	should	AUX
cjfa-34390	62	7	step	step	VERB
cjfa-34390	62	8	up	up	ADP
cjfa-34390	62	9	their	their	PRON
cjfa-34390	62	10	training	training	NOUN
cjfa-34390	62	11	for	for	ADP
cjfa-34390	62	12	their	their	PRON
cjfa-34390	62	13	customers	customer	NOUN
cjfa-34390	62	14	on	on	ADP
cjfa-34390	62	15	financial	financial	ADJ
cjfa-34390	62	16	literacy	literacy	NOUN
cjfa-34390	62	17	through	through	ADP
cjfa-34390	62	18	a	a	DET
cjfa-34390	62	19	voucher	voucher	ADJ
cjfa-34390	62	20	scheme	scheme	NOUN
cjfa-34390	62	21	to	to	PART
cjfa-34390	62	22	enable	enable	VERB
cjfa-34390	62	23	the	the	DET
cjfa-34390	62	24	clients	client	NOUN
cjfa-34390	62	25	advance	advance	VERB
cjfa-34390	62	26	their	their	PRON
cjfa-34390	62	27	financial	financial	ADJ
cjfa-34390	62	28	management	management	NOUN
cjfa-34390	62	29	skills	skill	NOUN
cjfa-34390	62	30	and	and	CCONJ
cjfa-34390	62	31	dexterity	dexterity	NOUN
cjfa-34390	62	32	.	.	PUNCT
cjfa-34390	63	1	ajinaja	ajinaja	NOUN
cjfa-34390	63	2	and	and	CCONJ
cjfa-34390	63	3	odeyale	odeyale	NOUN
cjfa-34390	63	4	(	(	PUNCT
cjfa-34390	63	5	2018	2018	NUM
cjfa-34390	63	6	)	)	PUNCT
cjfa-34390	63	7	examine	examine	VERB
cjfa-34390	63	8	microfinance	microfinance	NOUN
cjfa-34390	63	9	and	and	CCONJ
cjfa-34390	63	10	the	the	DET
cjfa-34390	63	11	challenge	challenge	NOUN
cjfa-34390	63	12	of	of	ADP
cjfa-34390	63	13	financial	financial	ADJ
cjfa-34390	63	14	inclusion	inclusion	NOUN
cjfa-34390	63	15	for	for	ADP
cjfa-34390	63	16	smes	sme	NOUN
cjfa-34390	63	17	development	development	NOUN
cjfa-34390	63	18	in	in	ADP
cjfa-34390	63	19	nigeria	nigeria	PROPN
cjfa-34390	63	20	.	.	PUNCT
cjfa-34390	64	1	the	the	DET
cjfa-34390	64	2	needed	need	VERB
cjfa-34390	64	3	data	datum	NOUN
cjfa-34390	64	4	was	be	AUX
cjfa-34390	64	5	collected	collect	VERB
cjfa-34390	64	6	primarily	primarily	ADV
cjfa-34390	64	7	through	through	ADP
cjfa-34390	64	8	the	the	DET
cjfa-34390	64	9	use	use	NOUN
cjfa-34390	64	10	of	of	ADP
cjfa-34390	64	11	questionnaire	questionnaire	NOUN
cjfa-34390	64	12	.	.	PUNCT
cjfa-34390	65	1	the	the	DET
cjfa-34390	65	2	result	result	NOUN
cjfa-34390	65	3	of	of	ADP
cjfa-34390	65	4	the	the	DET
cjfa-34390	65	5	finding	finding	NOUN
cjfa-34390	65	6	reveal	reveal	VERB
cjfa-34390	65	7	among	among	ADP
cjfa-34390	65	8	many	many	ADJ
cjfa-34390	65	9	others	other	NOUN
cjfa-34390	65	10	that	that	SCONJ
cjfa-34390	65	11	there	there	PRON
cjfa-34390	65	12	is	be	VERB
cjfa-34390	65	13	a	a	DET
cjfa-34390	65	14	negative	negative	ADJ
cjfa-34390	65	15	significant	significant	ADJ
cjfa-34390	65	16	relationship	relationship	NOUN
cjfa-34390	65	17	between	between	ADP
cjfa-34390	65	18	loan	loan	NOUN
cjfa-34390	65	19	to	to	ADP
cjfa-34390	65	20	small	small	ADJ
cjfa-34390	65	21	enterprises	enterprise	NOUN
cjfa-34390	65	22	and	and	CCONJ
cjfa-34390	65	23	loan	loan	NOUN
cjfa-34390	65	24	to	to	ADP
cjfa-34390	65	25	rural	rural	ADJ
cjfa-34390	65	26	areas	area	NOUN
cjfa-34390	65	27	in	in	ADP
cjfa-34390	65	28	nigeria	nigeria	PROPN
cjfa-34390	65	29	in	in	ADP
cjfa-34390	65	30	the	the	DET
cjfa-34390	65	31	period	period	NOUN
cjfa-34390	65	32	ibrahim	ibrahim	PROPN
cjfa-34390	65	33	majeed	majeed	PROPN
cjfa-34390	65	34	ajibola	ajibola	PROPN
cjfa-34390	65	35	,	,	PUNCT
cjfa-34390	65	36	daud	daud	PROPN
cjfa-34390	65	37	omotosho	omotosho	PROPN
cjfa-34390	65	38	saheed	sahee	VERB
cjfa-34390	65	39	,	,	PUNCT
cjfa-34390	65	40	lukman	lukman	PROPN
cjfa-34390	65	41	adedoyin14	adedoyin14	PROPN
cjfa-34390	65	42	under	under	ADP
cjfa-34390	65	43	study	study	NOUN
cjfa-34390	65	44	.	.	PUNCT
cjfa-34390	66	1	it	it	PRON
cjfa-34390	66	2	was	be	AUX
cjfa-34390	66	3	therefore	therefore	ADV
cjfa-34390	66	4	recommended	recommend	VERB
cjfa-34390	66	5	that	that	SCONJ
cjfa-34390	66	6	more	more	ADJ
cjfa-34390	66	7	micro	micro	ADJ
cjfa-34390	66	8	finance	finance	NOUN
cjfa-34390	66	9	institutions	institution	NOUN
cjfa-34390	66	10	should	should	AUX
cjfa-34390	66	11	operate	operate	VERB
cjfa-34390	66	12	at	at	ADP
cjfa-34390	66	13	rural	rural	ADJ
cjfa-34390	66	14	communities	community	NOUN
cjfa-34390	66	15	as	as	ADP
cjfa-34390	66	16	a	a	DET
cjfa-34390	66	17	way	way	NOUN
cjfa-34390	66	18	of	of	ADP
cjfa-34390	66	19	addressing	address	VERB
cjfa-34390	66	20	the	the	DET
cjfa-34390	66	21	problem	problem	NOUN
cjfa-34390	66	22	of	of	ADP
cjfa-34390	66	23	financial	financial	ADJ
cjfa-34390	66	24	exclusion	exclusion	NOUN
cjfa-34390	66	25	the	the	DET
cjfa-34390	66	26	rural	rural	ADJ
cjfa-34390	66	27	dwellers	dweller	NOUN
cjfa-34390	66	28	are	be	AUX
cjfa-34390	66	29	confronted	confront	VERB
cjfa-34390	66	30	with	with	ADP
cjfa-34390	66	31	.	.	PUNCT
cjfa-34390	67	1	emeka	emeka	NOUN
cjfa-34390	67	2	and	and	CCONJ
cjfa-34390	67	3	udom	udom	ADJ
cjfa-34390	67	4	(	(	PUNCT
cjfa-34390	67	5	2019	2019	NUM
cjfa-34390	67	6	)	)	PUNCT
cjfa-34390	67	7	investigate	investigate	VERB
cjfa-34390	67	8	the	the	DET
cjfa-34390	67	9	impact	impact	NOUN
cjfa-34390	67	10	of	of	ADP
cjfa-34390	67	11	microfinance	microfinance	NOUN
cjfa-34390	67	12	in	in	ADP
cjfa-34390	67	13	promoting	promote	VERB
cjfa-34390	67	14	financial	financial	ADJ
cjfa-34390	67	15	inclusion	inclusion	NOUN
cjfa-34390	67	16	in	in	ADP
cjfa-34390	67	17	nigeria	nigeria	PROPN
cjfa-34390	67	18	from	from	ADP
cjfa-34390	67	19	1990	1990	NUM
cjfa-34390	67	20	and	and	CCONJ
cjfa-34390	67	21	2014	2014	NUM
cjfa-34390	67	22	.	.	PUNCT
cjfa-34390	68	1	a	a	DET
cjfa-34390	68	2	unit	unit	NOUN
cjfa-34390	68	3	root	root	NOUN
cjfa-34390	68	4	test	test	NOUN
cjfa-34390	68	5	was	be	AUX
cjfa-34390	68	6	conducted	conduct	VERB
cjfa-34390	68	7	to	to	PART
cjfa-34390	68	8	establish	establish	VERB
cjfa-34390	68	9	the	the	DET
cjfa-34390	68	10	stationary	stationary	NOUN
cjfa-34390	68	11	of	of	ADP
cjfa-34390	68	12	the	the	DET
cjfa-34390	68	13	adopted	adopt	VERB
cjfa-34390	68	14	series	series	NOUN
cjfa-34390	68	15	to	to	PART
cjfa-34390	68	16	avoid	avoid	VERB
cjfa-34390	68	17	spurious	spurious	ADJ
cjfa-34390	68	18	regression	regression	NOUN
cjfa-34390	68	19	results	result	NOUN
cjfa-34390	68	20	.	.	PUNCT
cjfa-34390	69	1	the	the	DET
cjfa-34390	69	2	findings	finding	NOUN
cjfa-34390	69	3	indicate	indicate	VERB
cjfa-34390	69	4	that	that	SCONJ
cjfa-34390	69	5	all	all	DET
cjfa-34390	69	6	the	the	DET
cjfa-34390	69	7	explanatory	explanatory	ADJ
cjfa-34390	69	8	variables	variable	NOUN
cjfa-34390	69	9	were	be	AUX
cjfa-34390	69	10	jointly	jointly	ADV
cjfa-34390	69	11	significant	significant	ADJ
cjfa-34390	69	12	in	in	ADP
cjfa-34390	69	13	explaining	explain	VERB
cjfa-34390	69	14	the	the	DET
cjfa-34390	69	15	dependent	dependent	ADJ
cjfa-34390	69	16	variable	variable	NOUN
cjfa-34390	69	17	.	.	PUNCT
cjfa-34390	70	1	it	it	PRON
cjfa-34390	70	2	was	be	AUX
cjfa-34390	70	3	recommended	recommend	VERB
cjfa-34390	70	4	that	that	SCONJ
cjfa-34390	70	5	microfinance	microfinance	NOUN
cjfa-34390	70	6	banks	bank	NOUN
cjfa-34390	70	7	should	should	AUX
cjfa-34390	70	8	operate	operate	VERB
cjfa-34390	70	9	majorly	majorly	ADV
cjfa-34390	70	10	in	in	ADP
cjfa-34390	70	11	local	local	ADJ
cjfa-34390	70	12	communities	community	NOUN
cjfa-34390	70	13	as	as	ADP
cjfa-34390	70	14	a	a	DET
cjfa-34390	70	15	way	way	NOUN
cjfa-34390	70	16	of	of	ADP
cjfa-34390	70	17	promoting	promote	VERB
cjfa-34390	70	18	financial	financial	ADJ
cjfa-34390	70	19	inclusion	inclusion	NOUN
cjfa-34390	70	20	among	among	ADP
cjfa-34390	70	21	the	the	DET
cjfa-34390	70	22	rural	rural	ADJ
cjfa-34390	70	23	dwellers	dweller	NOUN
cjfa-34390	70	24	.	.	PUNCT
cjfa-34390	71	1	from	from	ADP
cjfa-34390	71	2	the	the	DET
cjfa-34390	71	3	literature	literature	NOUN
cjfa-34390	71	4	review	review	NOUN
cjfa-34390	71	5	surveyed	survey	VERB
cjfa-34390	71	6	,	,	PUNCT
cjfa-34390	71	7	it	it	PRON
cjfa-34390	71	8	was	be	AUX
cjfa-34390	71	9	found	find	VERB
cjfa-34390	71	10	that	that	SCONJ
cjfa-34390	71	11	the	the	DET
cjfa-34390	71	12	researchers	researcher	NOUN
cjfa-34390	71	13	who	who	PRON
cjfa-34390	71	14	studied	study	VERB
cjfa-34390	71	15	financial	financial	ADJ
cjfa-34390	71	16	literacy	literacy	NOUN
cjfa-34390	71	17	were	be	AUX
cjfa-34390	71	18	conducted	conduct	VERB
cjfa-34390	71	19	outside	outside	ADP
cjfa-34390	71	20	the	the	DET
cjfa-34390	71	21	shore	shore	NOUN
cjfa-34390	71	22	of	of	ADP
cjfa-34390	71	23	nigeria	nigeria	PROPN
cjfa-34390	71	24	hence	hence	ADV
cjfa-34390	71	25	,	,	PUNCT
cjfa-34390	71	26	leaving	leave	VERB
cjfa-34390	71	27	a	a	DET
cjfa-34390	71	28	geographical	geographical	ADJ
cjfa-34390	71	29	gap	gap	NOUN
cjfa-34390	71	30	,	,	PUNCT
cjfa-34390	71	31	even	even	ADV
cjfa-34390	71	32	considering	consider	VERB
cjfa-34390	71	33	the	the	DET
cjfa-34390	71	34	fact	fact	NOUN
cjfa-34390	71	35	that	that	SCONJ
cjfa-34390	71	36	most	most	ADJ
cjfa-34390	71	37	of	of	ADP
cjfa-34390	71	38	the	the	DET
cjfa-34390	71	39	active	active	ADJ
cjfa-34390	71	40	players	player	NOUN
cjfa-34390	71	41	in	in	ADP
cjfa-34390	71	42	the	the	DET
cjfa-34390	71	43	informal	informal	ADJ
cjfa-34390	71	44	sectors	sector	NOUN
cjfa-34390	71	45	were	be	AUX
cjfa-34390	71	46	said	say	VERB
cjfa-34390	71	47	to	to	PART
cjfa-34390	71	48	be	be	AUX
cjfa-34390	71	49	rural	rural	ADJ
cjfa-34390	71	50	dwellers	dweller	NOUN
cjfa-34390	71	51	who	who	PRON
cjfa-34390	71	52	knew	know	VERB
cjfa-34390	71	53	little	little	ADJ
cjfa-34390	71	54	or	or	CCONJ
cjfa-34390	71	55	nothing	nothing	PRON
cjfa-34390	71	56	about	about	ADP
cjfa-34390	71	57	financial	financial	ADJ
cjfa-34390	71	58	decision	decision	NOUN
cjfa-34390	71	59	.	.	PUNCT
cjfa-34390	72	1	this	this	DET
cjfa-34390	72	2	study	study	NOUN
cjfa-34390	72	3	therefore	therefore	ADV
cjfa-34390	72	4	presents	present	VERB
cjfa-34390	72	5	an	an	DET
cjfa-34390	72	6	empirical	empirical	ADJ
cjfa-34390	72	7	analysis	analysis	NOUN
cjfa-34390	72	8	of	of	ADP
cjfa-34390	72	9	how	how	SCONJ
cjfa-34390	72	10	the	the	DET
cjfa-34390	72	11	activities	activity	NOUN
cjfa-34390	72	12	of	of	ADP
cjfa-34390	72	13	microfinance	microfinance	NOUN
cjfa-34390	72	14	banks	bank	NOUN
cjfa-34390	72	15	influence	influence	VERB
cjfa-34390	72	16	financial	financial	ADJ
cjfa-34390	72	17	literacy	literacy	NOUN
cjfa-34390	72	18	in	in	ADP
cjfa-34390	72	19	north	north	PROPN
cjfa-34390	72	20	central	central	ADJ
cjfa-34390	72	21	geo	geo	PROPN
cjfa-34390	72	22	-	-	ADJ
cjfa-34390	72	23	political	political	ADJ
cjfa-34390	72	24	zone	zone	NOUN
cjfa-34390	72	25	in	in	ADP
cjfa-34390	72	26	nigeria	nigeria	PROPN
cjfa-34390	72	27	.	.	PUNCT
cjfa-34390	73	1	the	the	DET
cjfa-34390	73	2	research	research	NOUN
cjfa-34390	73	3	methodology	methodology	NOUN
cjfa-34390	73	4	and	and	CCONJ
cjfa-34390	73	5	the	the	DET
cjfa-34390	73	6	course	course	NOUN
cjfa-34390	73	7	of	of	ADP
cjfa-34390	73	8	the	the	DET
cjfa-34390	73	9	research	research	NOUN
cjfa-34390	73	10	process	process	NOUN
cjfa-34390	73	11	methodology	methodology	NOUN
cjfa-34390	73	12	this	this	DET
cjfa-34390	73	13	research	research	NOUN
cjfa-34390	73	14	makes	make	VERB
cjfa-34390	73	15	use	use	NOUN
cjfa-34390	73	16	of	of	ADP
cjfa-34390	73	17	survey	survey	NOUN
cjfa-34390	73	18	research	research	NOUN
cjfa-34390	73	19	because	because	SCONJ
cjfa-34390	73	20	a	a	DET
cjfa-34390	73	21	population	population	NOUN
cjfa-34390	73	22	with	with	ADP
cjfa-34390	73	23	large	large	ADJ
cjfa-34390	73	24	number	number	NOUN
cjfa-34390	73	25	was	be	AUX
cjfa-34390	73	26	brought	bring	VERB
cjfa-34390	73	27	under	under	ADP
cjfa-34390	73	28	investigation	investigation	NOUN
cjfa-34390	73	29	.	.	PUNCT
cjfa-34390	74	1	the	the	DET
cjfa-34390	74	2	population	population	NOUN
cjfa-34390	74	3	for	for	ADP
cjfa-34390	74	4	this	this	DET
cjfa-34390	74	5	study	study	NOUN
cjfa-34390	74	6	comprises	comprise	NOUN
cjfa-34390	74	7	of	of	ADP
cjfa-34390	74	8	all	all	DET
cjfa-34390	74	9	the	the	DET
cjfa-34390	74	10	microfinance	microfinance	NOUN
cjfa-34390	74	11	institutions	institution	NOUN
cjfa-34390	74	12	in	in	ADP
cjfa-34390	74	13	north	north	PROPN
cjfa-34390	74	14	central	central	ADJ
cjfa-34390	74	15	geo	geo	PROPN
cjfa-34390	74	16	-	-	ADJ
cjfa-34390	74	17	political	political	ADJ
cjfa-34390	74	18	zone	zone	NOUN
cjfa-34390	74	19	in	in	ADP
cjfa-34390	74	20	nigeria	nigeria	PROPN
cjfa-34390	74	21	.	.	PUNCT
cjfa-34390	75	1	it	it	PRON
cjfa-34390	75	2	is	be	AUX
cjfa-34390	75	3	important	important	ADJ
cjfa-34390	75	4	to	to	PART
cjfa-34390	75	5	know	know	VERB
cjfa-34390	75	6	that	that	SCONJ
cjfa-34390	75	7	there	there	PRON
cjfa-34390	75	8	are	be	VERB
cjfa-34390	75	9	different	different	ADJ
cjfa-34390	75	10	types	type	NOUN
cjfa-34390	75	11	of	of	ADP
cjfa-34390	75	12	microfinance	microfinance	NOUN
cjfa-34390	75	13	institutions	institution	NOUN
cjfa-34390	75	14	performing	perform	VERB
cjfa-34390	75	15	designated	designate	VERB
cjfa-34390	75	16	functions	function	NOUN
cjfa-34390	75	17	;	;	PUNCT
cjfa-34390	75	18	however	however	ADV
cjfa-34390	75	19	,	,	PUNCT
cjfa-34390	75	20	this	this	DET
cjfa-34390	75	21	study	study	NOUN
cjfa-34390	75	22	purposely	purposely	ADV
cjfa-34390	75	23	focus	focus	VERB
cjfa-34390	75	24	on	on	ADP
cjfa-34390	75	25	the	the	DET
cjfa-34390	75	26	microfinance	microfinance	NOUN
cjfa-34390	75	27	banks	bank	NOUN
cjfa-34390	75	28	in	in	ADP
cjfa-34390	75	29	north	north	PROPN
cjfa-34390	75	30	central	central	ADJ
cjfa-34390	75	31	geo	geo	PROPN
cjfa-34390	75	32	-	-	ADJ
cjfa-34390	75	33	political	political	ADJ
cjfa-34390	75	34	zone	zone	NOUN
cjfa-34390	75	35	in	in	ADP
cjfa-34390	75	36	nigeria	nigeria	PROPN
cjfa-34390	75	37	.	.	PUNCT
cjfa-34390	76	1	due	due	ADJ
cjfa-34390	76	2	largely	largely	ADV
cjfa-34390	76	3	to	to	ADP
cjfa-34390	76	4	the	the	DET
cjfa-34390	76	5	proximity	proximity	NOUN
cjfa-34390	76	6	of	of	ADP
cjfa-34390	76	7	the	the	DET
cjfa-34390	76	8	north	north	NOUN
cjfa-34390	76	9	central	central	ADJ
cjfa-34390	76	10	geo	geo	PROPN
cjfa-34390	76	11	-	-	ADJ
cjfa-34390	76	12	political	political	ADJ
cjfa-34390	76	13	zone	zone	NOUN
cjfa-34390	76	14	to	to	ADP
cjfa-34390	76	15	the	the	DET
cjfa-34390	76	16	researchers	researcher	NOUN
cjfa-34390	76	17	which	which	PRON
cjfa-34390	76	18	enable	enable	VERB
cjfa-34390	76	19	the	the	DET
cjfa-34390	76	20	researchers	researcher	NOUN
cjfa-34390	76	21	to	to	PART
cjfa-34390	76	22	easily	easily	ADV
cjfa-34390	76	23	obtain	obtain	VERB
cjfa-34390	76	24	all	all	DET
cjfa-34390	76	25	the	the	DET
cjfa-34390	76	26	needed	need	VERB
cjfa-34390	76	27	data	datum	NOUN
cjfa-34390	76	28	for	for	ADP
cjfa-34390	76	29	the	the	DET
cjfa-34390	76	30	purpose	purpose	NOUN
cjfa-34390	76	31	of	of	ADP
cjfa-34390	76	32	this	this	DET
cjfa-34390	76	33	study	study	NOUN
cjfa-34390	76	34	from	from	ADP
cjfa-34390	76	35	each	each	PRON
cjfa-34390	76	36	of	of	ADP
cjfa-34390	76	37	the	the	DET
cjfa-34390	76	38	topmost	topmost	ADJ
cjfa-34390	76	39	six	six	NUM
cjfa-34390	76	40	microfinance	microfinance	NOUN
cjfa-34390	76	41	banks	bank	NOUN
cjfa-34390	76	42	that	that	PRON
cjfa-34390	76	43	were	be	AUX
cjfa-34390	76	44	purposively	purposively	ADV
cjfa-34390	76	45	selected	select	VERB
cjfa-34390	76	46	from	from	ADP
cjfa-34390	76	47	each	each	PRON
cjfa-34390	76	48	of	of	ADP
cjfa-34390	76	49	the	the	DET
cjfa-34390	76	50	six	six	NUM
cjfa-34390	76	51	states	state	NOUN
cjfa-34390	76	52	of	of	ADP
cjfa-34390	76	53	north	north	ADJ
cjfa-34390	76	54	central	central	ADJ
cjfa-34390	76	55	geopolitical	geopolitical	ADJ
cjfa-34390	76	56	zone	zone	NOUN
cjfa-34390	76	57	in	in	ADP
cjfa-34390	76	58	nigeria	nigeria	PROPN
cjfa-34390	76	59	.	.	PUNCT
cjfa-34390	77	1	it	it	PRON
cjfa-34390	77	2	is	be	AUX
cjfa-34390	77	3	important	important	ADJ
cjfa-34390	77	4	to	to	PART
cjfa-34390	77	5	know	know	VERB
cjfa-34390	77	6	that	that	SCONJ
cjfa-34390	77	7	each	each	PRON
cjfa-34390	77	8	of	of	ADP
cjfa-34390	77	9	the	the	DET
cjfa-34390	77	10	six	six	NUM
cjfa-34390	77	11	selected	select	VERB
cjfa-34390	77	12	states	state	NOUN
cjfa-34390	77	13	in	in	ADP
cjfa-34390	77	14	north	north	PROPN
cjfa-34390	77	15	central	central	ADJ
cjfa-34390	77	16	geo	geo	PROPN
cjfa-34390	77	17	-	-	ADJ
cjfa-34390	77	18	political	political	ADJ
cjfa-34390	77	19	zone	zone	NOUN
cjfa-34390	77	20	in	in	ADP
cjfa-34390	77	21	nigeria	nigeria	PROPN
cjfa-34390	77	22	has	have	VERB
cjfa-34390	77	23	three	three	NUM
cjfa-34390	77	24	senatorial	senatorial	ADJ
cjfa-34390	77	25	districts	district	NOUN
cjfa-34390	77	26	just	just	ADV
cjfa-34390	77	27	like	like	ADP
cjfa-34390	77	28	every	every	DET
cjfa-34390	77	29	other	other	ADJ
cjfa-34390	77	30	state	state	NOUN
cjfa-34390	77	31	in	in	ADP
cjfa-34390	77	32	nigeria	nigeria	PROPN
cjfa-34390	77	33	.	.	PUNCT
cjfa-34390	78	1	a	a	DET
cjfa-34390	78	2	total	total	NOUN
cjfa-34390	78	3	of	of	ADP
cjfa-34390	78	4	thirty	thirty	NUM
cjfa-34390	78	5	-	-	PUNCT
cjfa-34390	78	6	six	six	NUM
cjfa-34390	78	7	microfinance	microfinance	NOUN
cjfa-34390	78	8	institutions	institution	NOUN
cjfa-34390	78	9	operators	operator	NOUN
cjfa-34390	78	10	were	be	AUX
cjfa-34390	78	11	purposively	purposively	ADV
cjfa-34390	78	12	selected	select	VERB
cjfa-34390	78	13	to	to	PART
cjfa-34390	78	14	serve	serve	VERB
cjfa-34390	78	15	as	as	ADP
cjfa-34390	78	16	the	the	DET
cjfa-34390	78	17	fair	fair	ADJ
cjfa-34390	78	18	representa	representa	NOUN
cjfa-34390	78	19	impact	impact	NOUN
cjfa-34390	78	20	of	of	ADP
cjfa-34390	78	21	microfinance	microfinance	NOUN
cjfa-34390	78	22	institutions	institution	NOUN
cjfa-34390	78	23	on	on	ADP
cjfa-34390	78	24	financial	financial	ADJ
cjfa-34390	78	25	literacy	literacy	NOUN
cjfa-34390	78	26	…	…	PUNCT
cjfa-34390	78	27	15	15	NUM
cjfa-34390	78	28	tion	tion	NOUN
cjfa-34390	78	29	of	of	ADP
cjfa-34390	78	30	the	the	DET
cjfa-34390	78	31	whole	whole	ADJ
cjfa-34390	78	32	microfinance	microfinance	NOUN
cjfa-34390	78	33	institutions	institution	NOUN
cjfa-34390	78	34	in	in	ADP
cjfa-34390	78	35	north	north	PROPN
cjfa-34390	78	36	central	central	ADJ
cjfa-34390	78	37	geo	geo	PROPN
cjfa-34390	78	38	-	-	ADJ
cjfa-34390	78	39	political	political	ADJ
cjfa-34390	78	40	zone	zone	NOUN
cjfa-34390	78	41	in	in	ADP
cjfa-34390	78	42	nigeria	nigeria	PROPN
cjfa-34390	78	43	.	.	PUNCT
cjfa-34390	79	1	hence	hence	ADV
cjfa-34390	79	2	,	,	PUNCT
cjfa-34390	79	3	the	the	DET
cjfa-34390	79	4	researcher	researcher	NOUN
cjfa-34390	79	5	selects	select	VERB
cjfa-34390	79	6	a	a	DET
cjfa-34390	79	7	predetermined	predetermine	VERB
cjfa-34390	79	8	number	number	NOUN
cjfa-34390	79	9	of	of	ADP
cjfa-34390	79	10	fifty	fifty	NUM
cjfa-34390	79	11	(	(	PUNCT
cjfa-34390	79	12	50	50	NUM
cjfa-34390	79	13	)	)	PUNCT
cjfa-34390	79	14	customers	customer	NOUN
cjfa-34390	79	15	per	per	ADP
cjfa-34390	79	16	mfi	mfi	PROPN
cjfa-34390	79	17	,	,	PUNCT
cjfa-34390	79	18	the	the	DET
cjfa-34390	79	19	topmost	topmost	ADJ
cjfa-34390	79	20	two	two	NUM
cjfa-34390	79	21	microfinance	microfinance	NOUN
cjfa-34390	79	22	institutions	institution	NOUN
cjfa-34390	79	23	were	be	AUX
cjfa-34390	79	24	selected	select	VERB
cjfa-34390	79	25	from	from	ADP
cjfa-34390	79	26	each	each	PRON
cjfa-34390	79	27	of	of	ADP
cjfa-34390	79	28	the	the	DET
cjfa-34390	79	29	three	three	NUM
cjfa-34390	79	30	senatorial	senatorial	ADJ
cjfa-34390	79	31	districts	district	NOUN
cjfa-34390	79	32	of	of	ADP
cjfa-34390	79	33	the	the	DET
cjfa-34390	79	34	six	six	NUM
cjfa-34390	79	35	north	north	PROPN
cjfa-34390	79	36	central	central	ADJ
cjfa-34390	79	37	geo	geo	PROPN
cjfa-34390	79	38	-	-	ADJ
cjfa-34390	79	39	political	political	ADJ
cjfa-34390	79	40	zone	zone	NOUN
cjfa-34390	79	41	states	state	NOUN
cjfa-34390	79	42	in	in	ADP
cjfa-34390	79	43	nigeria	nigeria	PROPN
cjfa-34390	79	44	to	to	PART
cjfa-34390	79	45	make	make	VERB
cjfa-34390	79	46	a	a	DET
cjfa-34390	79	47	total	total	NOUN
cjfa-34390	79	48	of	of	ADP
cjfa-34390	79	49	three	three	NUM
cjfa-34390	79	50	hundred	hundred	NUM
cjfa-34390	79	51	(	(	PUNCT
cjfa-34390	79	52	300	300	NUM
cjfa-34390	79	53	)	)	PUNCT
cjfa-34390	79	54	customers	customer	NOUN
cjfa-34390	79	55	per	per	ADP
cjfa-34390	79	56	each	each	PRON
cjfa-34390	79	57	of	of	ADP
cjfa-34390	79	58	the	the	DET
cjfa-34390	79	59	six	six	NUM
cjfa-34390	79	60	states	state	NOUN
cjfa-34390	79	61	of	of	ADP
cjfa-34390	79	62	north	north	PROPN
cjfa-34390	79	63	central	central	ADJ
cjfa-34390	79	64	geo	geo	PROPN
cjfa-34390	79	65	-	-	ADJ
cjfa-34390	79	66	political	political	ADJ
cjfa-34390	79	67	zone	zone	NOUN
cjfa-34390	79	68	in	in	ADP
cjfa-34390	79	69	nigeria	nigeria	PROPN
cjfa-34390	79	70	which	which	PRON
cjfa-34390	79	71	include	include	VERB
cjfa-34390	79	72	;	;	PUNCT
cjfa-34390	79	73	benue	benue	VERB
cjfa-34390	79	74	,	,	PUNCT
cjfa-34390	79	75	kogi	kogi	PROPN
cjfa-34390	79	76	,	,	PUNCT
cjfa-34390	79	77	kwara	kwara	PROPN
cjfa-34390	79	78	,	,	PUNCT
cjfa-34390	79	79	niger	niger	NOUN
cjfa-34390	79	80	,	,	PUNCT
cjfa-34390	79	81	nasarawa	nasarawa	NOUN
cjfa-34390	79	82	and	and	CCONJ
cjfa-34390	79	83	plateau	plateau	NOUN
cjfa-34390	79	84	.	.	PUNCT
cjfa-34390	80	1	hence	hence	ADV
cjfa-34390	80	2	,	,	PUNCT
cjfa-34390	80	3	a	a	DET
cjfa-34390	80	4	total	total	NOUN
cjfa-34390	80	5	of	of	ADP
cjfa-34390	80	6	one	one	NUM
cjfa-34390	80	7	thousand	thousand	NUM
cjfa-34390	80	8	and	and	CCONJ
cjfa-34390	80	9	eight	eight	NUM
cjfa-34390	80	10	hundred	hundred	NUM
cjfa-34390	80	11	(	(	PUNCT
cjfa-34390	80	12	1800	1800	NUM
cjfa-34390	80	13	)	)	PUNCT
cjfa-34390	80	14	respondents	respondent	NOUN
cjfa-34390	80	15	were	be	AUX
cjfa-34390	80	16	targeted	target	VERB
cjfa-34390	80	17	to	to	PART
cjfa-34390	80	18	serves	serve	VERB
cjfa-34390	80	19	as	as	ADP
cjfa-34390	80	20	fair	fair	ADJ
cjfa-34390	80	21	representation	representation	NOUN
cjfa-34390	80	22	of	of	ADP
cjfa-34390	80	23	the	the	DET
cjfa-34390	80	24	population	population	NOUN
cjfa-34390	80	25	under	under	ADP
cjfa-34390	80	26	study	study	NOUN
cjfa-34390	80	27	.	.	PUNCT
cjfa-34390	81	1	model	model	NOUN
cjfa-34390	81	2	specification	specification	NOUN
cjfa-34390	81	3	this	this	DET
cjfa-34390	81	4	model	model	NOUN
cjfa-34390	81	5	was	be	AUX
cjfa-34390	81	6	adapted	adapt	VERB
cjfa-34390	81	7	from	from	ADP
cjfa-34390	81	8	the	the	DET
cjfa-34390	81	9	study	study	NOUN
cjfa-34390	81	10	of	of	ADP
cjfa-34390	81	11	emeka	emeka	PROPN
cjfa-34390	81	12	and	and	CCONJ
cjfa-34390	81	13	udom	udom	NOUN
cjfa-34390	81	14	(	(	PUNCT
cjfa-34390	81	15	2019	2019	NUM
cjfa-34390	81	16	)	)	PUNCT
cjfa-34390	81	17	.	.	PUNCT
cjfa-34390	82	1	the	the	DET
cjfa-34390	82	2	study	study	NOUN
cjfa-34390	82	3	used	use	VERB
cjfa-34390	82	4	,	,	PUNCT
cjfa-34390	82	5	saving	save	VERB
cjfa-34390	82	6	mobilization	mobilization	NOUN
cjfa-34390	82	7	(	(	PUNCT
cjfa-34390	82	8	sm	sm	NOUN
cjfa-34390	82	9	)	)	PUNCT
cjfa-34390	82	10	,	,	PUNCT
cjfa-34390	82	11	e	e	X
cjfa-34390	82	12	-	-	ADJ
cjfa-34390	82	13	banking	banking	ADJ
cjfa-34390	82	14	product	product	NOUN
cjfa-34390	82	15	(	(	PUNCT
cjfa-34390	82	16	ebp	ebp	PROPN
cjfa-34390	82	17	)	)	PUNCT
cjfa-34390	82	18	and	and	CCONJ
cjfa-34390	82	19	financial	financial	ADJ
cjfa-34390	82	20	decision	decision	NOUN
cjfa-34390	82	21	(	(	PUNCT
cjfa-34390	82	22	fd	fd	PROPN
cjfa-34390	82	23	)	)	PUNCT
cjfa-34390	82	24	as	as	ADP
cjfa-34390	82	25	a	a	DET
cjfa-34390	82	26	proxy	proxy	NOUN
cjfa-34390	82	27	for	for	ADP
cjfa-34390	82	28	the	the	DET
cjfa-34390	82	29	independent	independent	ADJ
cjfa-34390	82	30	variable	variable	ADJ
cjfa-34390	82	31	fil=	fil=	PROPN
cjfa-34390	82	32	f(mfio	f(mfio	NOUN
cjfa-34390	82	33	)	)	PUNCT
cjfa-34390	82	34	(	(	PUNCT
cjfa-34390	82	35	1	1	X
cjfa-34390	82	36	)	)	PUNCT
cjfa-34390	82	37	where	where	SCONJ
cjfa-34390	82	38	:	:	PUNCT
cjfa-34390	82	39	fil	fil	X
cjfa-34390	82	40	=	=	SYM
cjfa-34390	82	41	financial	financial	ADJ
cjfa-34390	82	42	literacy	literacy	NOUN
cjfa-34390	82	43	mfio	mfio	NOUN
cjfa-34390	82	44	=	=	SYM
cjfa-34390	82	45	microfinance	microfinance	NOUN
cjfa-34390	82	46	institution	institution	NOUN
cjfa-34390	82	47	operations	operation	NOUN
cjfa-34390	82	48	where	where	SCONJ
cjfa-34390	82	49	:	:	PUNCT
cjfa-34390	82	50	fil	fil	X
cjfa-34390	82	51	=	=	SYM
cjfa-34390	82	52	sm	sm	PROPN
cjfa-34390	82	53	,	,	PUNCT
cjfa-34390	82	54	ebp	ebp	PROPN
cjfa-34390	82	55	and	and	CCONJ
cjfa-34390	82	56	fd	fd	PROPN
cjfa-34390	82	57	:	:	PUNCT
cjfa-34390	82	58	it	it	PRON
cjfa-34390	82	59	then	then	ADV
cjfa-34390	82	60	follows	follow	VERB
cjfa-34390	82	61	that	that	SCONJ
cjfa-34390	82	62	fil=	fil=	PROPN
cjfa-34390	82	63	ᶂ(sm	ᶂ(sm	NOUN
cjfa-34390	82	64	;	;	PUNCT
cjfa-34390	82	65	ebp;fd	ebp;fd	ADV
cjfa-34390	82	66	)	)	PUNCT
cjfa-34390	82	67	(	(	PUNCT
cjfa-34390	82	68	2	2	X
cjfa-34390	82	69	)	)	PUNCT
cjfa-34390	82	70	substituting	substitute	VERB
cjfa-34390	82	71	equation	equation	NOUN
cjfa-34390	82	72	(	(	PUNCT
cjfa-34390	82	73	2	2	NUM
cjfa-34390	82	74	)	)	PUNCT
cjfa-34390	82	75	into	into	ADP
cjfa-34390	82	76	(	(	PUNCT
cjfa-34390	82	77	1	1	NUM
cjfa-34390	82	78	)	)	PUNCT
cjfa-34390	82	79	,	,	PUNCT
cjfa-34390	82	80	a	a	DET
cjfa-34390	82	81	multivariate	multivariate	NOUN
cjfa-34390	82	82	relationship	relationship	NOUN
cjfa-34390	82	83	is	be	AUX
cjfa-34390	82	84	arrived	arrive	VERB
cjfa-34390	82	85	at	at	ADP
cjfa-34390	82	86	as	as	SCONJ
cjfa-34390	82	87	follows	follow	VERB
cjfa-34390	82	88	;	;	PUNCT
cjfa-34390	82	89	mfi	mfi	PROPN
cjfa-34390	82	90	=	=	SYM
cjfa-34390	82	91	β0+β1sm+β2ebp+β3fd+εi	β0+β1sm+β2ebp+β3fd+εi	X
cjfa-34390	82	92	(	(	PUNCT
cjfa-34390	82	93	3	3	NUM
cjfa-34390	82	94	)	)	PUNCT
cjfa-34390	82	95	where	where	SCONJ
cjfa-34390	82	96	:	:	PUNCT
cjfa-34390	82	97	β0	β0	NOUN
cjfa-34390	82	98	=	=	SYM
cjfa-34390	82	99	intercept	intercept	NOUN
cjfa-34390	82	100	of	of	ADP
cjfa-34390	82	101	the	the	DET
cjfa-34390	82	102	model	model	NOUN
cjfa-34390	82	103	.	.	PUNCT
cjfa-34390	83	1	β1	β1	NOUN
cjfa-34390	83	2	=	=	PUNCT
cjfa-34390	83	3	coefficient	coefficient	NOUN
cjfa-34390	83	4	of	of	ADP
cjfa-34390	83	5	each	each	DET
cjfa-34390	83	6	independent	independent	ADJ
cjfa-34390	83	7	variable	variable	NOUN
cjfa-34390	83	8	in	in	ADP
cjfa-34390	83	9	the	the	DET
cjfa-34390	83	10	model	model	NOUN
cjfa-34390	83	11	.	.	PUNCT
cjfa-34390	84	1	εi=	εi=	NOUN
cjfa-34390	84	2	error	error	NOUN
cjfa-34390	84	3	term	term	NOUN
cjfa-34390	84	4	ibrahim	ibrahim	PROPN
cjfa-34390	84	5	majeed	majeed	PROPN
cjfa-34390	84	6	ajibola	ajibola	PROPN
cjfa-34390	84	7	,	,	PUNCT
cjfa-34390	84	8	daud	daud	PROPN
cjfa-34390	84	9	omotosho	omotosho	PROPN
cjfa-34390	84	10	saheed	sahee	VERB
cjfa-34390	84	11	,	,	PUNCT
cjfa-34390	84	12	lukman	lukman	PROPN
cjfa-34390	84	13	adedoyin16	adedoyin16	NOUN
cjfa-34390	84	14	the	the	DET
cjfa-34390	84	15	a	a	ADV
cjfa-34390	84	16	-	-	PUNCT
cjfa-34390	84	17	priori	priori	ADJ
cjfa-34390	84	18	expectation	expectation	NOUN
cjfa-34390	84	19	of	of	ADP
cjfa-34390	84	20	the	the	DET
cjfa-34390	84	21	above	above	ADJ
cjfa-34390	84	22	model	model	NOUN
cjfa-34390	84	23	posits	posit	NOUN
cjfa-34390	84	24	a	a	DET
cjfa-34390	84	25	positive	positive	ADJ
cjfa-34390	84	26	relationship	relationship	NOUN
cjfa-34390	84	27	between	between	ADP
cjfa-34390	84	28	fil	fil	NOUN
cjfa-34390	84	29	proxy	proxy	NOUN
cjfa-34390	84	30	and	and	CCONJ
cjfa-34390	84	31	the	the	DET
cjfa-34390	84	32	adopted	adopt	VERB
cjfa-34390	84	33	surrogates	surrogate	NOUN
cjfa-34390	84	34	for	for	ADP
cjfa-34390	84	35	mfio	mfio	NOUN
cjfa-34390	84	36	.	.	PUNCT
cjfa-34390	85	1	estimation	estimation	NOUN
cjfa-34390	85	2	and	and	CCONJ
cjfa-34390	85	3	analyses	analyse	VERB
cjfa-34390	85	4	validity	validity	NOUN
cjfa-34390	85	5	and	and	CCONJ
cjfa-34390	85	6	reliability	reliability	NOUN
cjfa-34390	85	7	test	test	NOUN
cjfa-34390	85	8	for	for	ADP
cjfa-34390	85	9	the	the	DET
cjfa-34390	85	10	research	research	NOUN
cjfa-34390	85	11	instrument	instrument	NOUN
cjfa-34390	85	12	the	the	DET
cjfa-34390	85	13	content	content	NOUN
cjfa-34390	85	14	validity	validity	NOUN
cjfa-34390	85	15	of	of	ADP
cjfa-34390	85	16	this	this	DET
cjfa-34390	85	17	work	work	NOUN
cjfa-34390	85	18	was	be	AUX
cjfa-34390	85	19	done	do	VERB
cjfa-34390	85	20	through	through	ADP
cjfa-34390	85	21	expert	expert	ADJ
cjfa-34390	85	22	opinion	opinion	NOUN
cjfa-34390	85	23	for	for	ADP
cjfa-34390	85	24	determining	determine	VERB
cjfa-34390	85	25	the	the	DET
cjfa-34390	85	26	appropriateness	appropriateness	NOUN
cjfa-34390	85	27	of	of	ADP
cjfa-34390	85	28	the	the	DET
cjfa-34390	85	29	research	research	NOUN
cjfa-34390	85	30	instrument	instrument	NOUN
cjfa-34390	85	31	.	.	PUNCT
cjfa-34390	86	1	in	in	ADP
cjfa-34390	86	2	other	other	ADJ
cjfa-34390	86	3	to	to	PART
cjfa-34390	86	4	ensure	ensure	VERB
cjfa-34390	86	5	the	the	DET
cjfa-34390	86	6	reliability	reliability	NOUN
cjfa-34390	86	7	of	of	ADP
cjfa-34390	86	8	this	this	DET
cjfa-34390	86	9	work	work	NOUN
cjfa-34390	86	10	research	research	NOUN
cjfa-34390	86	11	instrument	instrument	NOUN
cjfa-34390	86	12	cronbach	cronbach	PROPN
cjfa-34390	86	13	’s	’s	PART
cjfa-34390	86	14	alpha	alpha	NOUN
cjfa-34390	86	15	technique	technique	NOUN
cjfa-34390	86	16	was	be	AUX
cjfa-34390	86	17	adopted	adopt	VERB
cjfa-34390	86	18	.	.	PUNCT
cjfa-34390	87	1	data	datum	NOUN
cjfa-34390	87	2	presentation	presentation	NOUN
cjfa-34390	87	3	,	,	PUNCT
cjfa-34390	87	4	analysis	analysis	NOUN
cjfa-34390	87	5	and	and	CCONJ
cjfa-34390	87	6	interpretation	interpretation	NOUN
cjfa-34390	87	7	response	response	NOUN
cjfa-34390	87	8	rate	rate	NOUN
cjfa-34390	87	9	table	table	NOUN
cjfa-34390	87	10	1	1	NUM
cjfa-34390	87	11	.	.	PUNCT
cjfa-34390	88	1	analysis	analysis	NOUN
cjfa-34390	88	2	of	of	ADP
cjfa-34390	88	3	response	response	NOUN
cjfa-34390	88	4	rate	rate	NOUN
cjfa-34390	88	5	respondents	respondent	NOUN
cjfa-34390	88	6	total	total	VERB
cjfa-34390	88	7	distributed	distribute	VERB
cjfa-34390	88	8	total	total	NOUN
cjfa-34390	88	9	returned	return	VERB
cjfa-34390	88	10	unreturned	unreturned	ADJ
cjfa-34390	88	11	questionnaire	questionnaire	NOUN
cjfa-34390	88	12	correctly	correctly	ADV
cjfa-34390	88	13	filled	fill	VERB
cjfa-34390	88	14	selected	select	VERB
cjfa-34390	88	15	mfis	mfis	ADJ
cjfa-34390	88	16	customers	customer	NOUN
cjfa-34390	88	17	1800	1800	NUM
cjfa-34390	88	18	1594	1594	NUM
cjfa-34390	88	19	100	100	NUM
cjfa-34390	88	20	1494	1494	NUM
cjfa-34390	88	21	total	total	ADJ
cjfa-34390	88	22	1800	1800	NUM
cjfa-34390	88	23	1594	1594	NUM
cjfa-34390	88	24	100	100	NUM
cjfa-34390	88	25	1494	1494	NUM
cjfa-34390	88	26	s	s	NOUN
cjfa-34390	88	27	o	o	NOUN
cjfa-34390	88	28	u	u	NOUN
cjfa-34390	88	29	r	r	NOUN
cjfa-34390	88	30	c	c	NOUN
cjfa-34390	88	31	e	e	NOUN
cjfa-34390	88	32	:	:	PUNCT
cjfa-34390	88	33	field	field	NOUN
cjfa-34390	88	34	survey	survey	NOUN
cjfa-34390	88	35	.	.	PUNCT
cjfa-34390	89	1	a	a	DET
cjfa-34390	89	2	total	total	NOUN
cjfa-34390	89	3	of	of	ADP
cjfa-34390	89	4	one	one	NUM
cjfa-34390	89	5	thousand	thousand	NUM
cjfa-34390	89	6	and	and	CCONJ
cjfa-34390	89	7	eight	eight	NUM
cjfa-34390	89	8	hundred	hundred	NUM
cjfa-34390	89	9	(	(	PUNCT
cjfa-34390	89	10	1800	1800	NUM
cjfa-34390	89	11	)	)	PUNCT
cjfa-34390	89	12	questionnaires	questionnaire	NOUN
cjfa-34390	89	13	were	be	AUX
cjfa-34390	89	14	administered	administer	VERB
cjfa-34390	89	15	to	to	ADP
cjfa-34390	89	16	the	the	DET
cjfa-34390	89	17	selected	select	VERB
cjfa-34390	89	18	respondents	respondent	NOUN
cjfa-34390	89	19	which	which	PRON
cjfa-34390	89	20	are	be	AUX
cjfa-34390	89	21	drawn	draw	VERB
cjfa-34390	89	22	from	from	ADP
cjfa-34390	89	23	the	the	DET
cjfa-34390	89	24	36	36	NUM
cjfa-34390	89	25	microfinance	microfinance	NOUN
cjfa-34390	89	26	institutions	institution	NOUN
cjfa-34390	89	27	across	across	ADP
cjfa-34390	89	28	the	the	DET
cjfa-34390	89	29	three	three	NUM
cjfa-34390	89	30	senatorial	senatorial	ADJ
cjfa-34390	89	31	district	district	NOUN
cjfa-34390	89	32	of	of	ADP
cjfa-34390	89	33	north	north	PROPN
cjfa-34390	89	34	central	central	ADJ
cjfa-34390	89	35	geo	geo	PROPN
cjfa-34390	89	36	-	-	ADJ
cjfa-34390	89	37	political	political	ADJ
cjfa-34390	89	38	zone	zone	NOUN
cjfa-34390	89	39	in	in	ADP
cjfa-34390	89	40	nigeria	nigeria	PROPN
cjfa-34390	89	41	.	.	PUNCT
cjfa-34390	90	1	only	only	ADV
cjfa-34390	90	2	one	one	NUM
cjfa-34390	90	3	thousand	thousand	NUM
cjfa-34390	90	4	,	,	PUNCT
cjfa-34390	90	5	four	four	NUM
cjfa-34390	90	6	hundred	hundred	NUM
cjfa-34390	90	7	and	and	CCONJ
cjfa-34390	90	8	ninety	ninety	NUM
cjfa-34390	90	9	four	four	NUM
cjfa-34390	90	10	(	(	PUNCT
cjfa-34390	90	11	1494	1494	NUM
cjfa-34390	90	12	)	)	PUNCT
cjfa-34390	90	13	representing	represent	VERB
cjfa-34390	90	14	83	83	NUM
cjfa-34390	90	15	%	%	NOUN
cjfa-34390	90	16	of	of	ADP
cjfa-34390	90	17	the	the	DET
cjfa-34390	90	18	administered	administer	VERB
cjfa-34390	90	19	questionnaires	questionnaire	NOUN
cjfa-34390	90	20	were	be	AUX
cjfa-34390	90	21	returned	return	VERB
cjfa-34390	90	22	and	and	CCONJ
cjfa-34390	90	23	completed	complete	VERB
cjfa-34390	90	24	appropriately	appropriately	ADV
cjfa-34390	90	25	,	,	PUNCT
cjfa-34390	90	26	two	two	NUM
cjfa-34390	90	27	hundred	hundred	NUM
cjfa-34390	90	28	and	and	CCONJ
cjfa-34390	90	29	six	six	NUM
cjfa-34390	90	30	(	(	PUNCT
cjfa-34390	90	31	206	206	NUM
cjfa-34390	90	32	)	)	PUNCT
cjfa-34390	90	33	questionnaires	questionnaire	NOUN
cjfa-34390	90	34	,	,	PUNCT
cjfa-34390	90	35	representing	represent	VERB
cjfa-34390	90	36	11.4	11.4	NUM
cjfa-34390	90	37	%	%	NOUN
cjfa-34390	90	38	of	of	ADP
cjfa-34390	90	39	the	the	DET
cjfa-34390	90	40	questionnaires	questionnaire	NOUN
cjfa-34390	90	41	administered	administer	VERB
cjfa-34390	90	42	were	be	AUX
cjfa-34390	90	43	returned	return	VERB
cjfa-34390	90	44	but	but	CCONJ
cjfa-34390	90	45	not	not	PART
cjfa-34390	90	46	duly	duly	ADV
cjfa-34390	90	47	completed	complete	VERB
cjfa-34390	90	48	,	,	PUNCT
cjfa-34390	90	49	hence	hence	ADV
cjfa-34390	90	50	,	,	PUNCT
cjfa-34390	90	51	invalid	invalid	ADJ
cjfa-34390	90	52	,	,	PUNCT
cjfa-34390	90	53	while	while	SCONJ
cjfa-34390	90	54	one	one	NUM
cjfa-34390	90	55	hundred	hundred	NUM
cjfa-34390	90	56	(	(	PUNCT
cjfa-34390	90	57	100	100	NUM
cjfa-34390	90	58	)	)	PUNCT
cjfa-34390	90	59	questionnaires	questionnaire	NOUN
cjfa-34390	90	60	,	,	PUNCT
cjfa-34390	90	61	representing	represent	VERB
cjfa-34390	90	62	5.5	5.5	NUM
cjfa-34390	90	63	%	%	NOUN
cjfa-34390	90	64	of	of	ADP
cjfa-34390	90	65	the	the	DET
cjfa-34390	90	66	total	total	ADJ
cjfa-34390	90	67	questionnaires	questionnaire	NOUN
cjfa-34390	90	68	administered	administer	VERB
cjfa-34390	90	69	were	be	AUX
cjfa-34390	90	70	not	not	PART
cjfa-34390	90	71	returned	return	VERB
cjfa-34390	90	72	.	.	PUNCT
cjfa-34390	91	1	these	these	DET
cjfa-34390	91	2	analyses	analysis	NOUN
cjfa-34390	91	3	were	be	AUX
cjfa-34390	91	4	based	base	VERB
cjfa-34390	91	5	on	on	ADP
cjfa-34390	91	6	the	the	DET
cjfa-34390	91	7	responses	response	NOUN
cjfa-34390	91	8	from	from	ADP
cjfa-34390	91	9	the	the	DET
cjfa-34390	91	10	returned	return	VERB
cjfa-34390	91	11	questionnaires	questionnaire	NOUN
cjfa-34390	91	12	administered	administer	VERB
cjfa-34390	91	13	to	to	ADP
cjfa-34390	91	14	the	the	DET
cjfa-34390	91	15	purposively	purposively	ADV
cjfa-34390	91	16	selected	select	VERB
cjfa-34390	91	17	respondents	respondent	NOUN
cjfa-34390	91	18	that	that	PRON
cjfa-34390	91	19	serve	serve	VERB
cjfa-34390	91	20	as	as	ADP
cjfa-34390	91	21	fair	fair	ADJ
cjfa-34390	91	22	representation	representation	NOUN
cjfa-34390	91	23	of	of	ADP
cjfa-34390	91	24	the	the	DET
cjfa-34390	91	25	population	population	NOUN
cjfa-34390	91	26	under	under	ADP
cjfa-34390	91	27	study	study	NOUN
cjfa-34390	91	28	.	.	PUNCT
cjfa-34390	92	1	impact	impact	NOUN
cjfa-34390	92	2	of	of	ADP
cjfa-34390	92	3	microfinance	microfinance	NOUN
cjfa-34390	92	4	institutions	institution	NOUN
cjfa-34390	92	5	on	on	ADP
cjfa-34390	92	6	financial	financial	ADJ
cjfa-34390	92	7	literacy	literacy	NOUN
cjfa-34390	92	8	…	…	PUNCT
cjfa-34390	92	9	17	17	NUM
cjfa-34390	92	10	preliminary	preliminary	ADJ
cjfa-34390	92	11	analysis	analysis	NOUN
cjfa-34390	92	12	test	test	NOUN
cjfa-34390	92	13	of	of	ADP
cjfa-34390	92	14	normality	normality	NOUN
cjfa-34390	92	15	table	table	NOUN
cjfa-34390	92	16	2	2	NUM
cjfa-34390	92	17	.	.	PUNCT
cjfa-34390	92	18	tests	test	NOUN
cjfa-34390	92	19	of	of	ADP
cjfa-34390	92	20	normality	normality	NOUN
cjfa-34390	92	21	kolmogorov	kolmogorov	PROPN
cjfa-34390	92	22	-	-	PUNCT
cjfa-34390	92	23	smirnova	smirnova	PROPN
cjfa-34390	92	24	shapiro	shapiro	PROPN
cjfa-34390	92	25	-	-	PUNCT
cjfa-34390	92	26	wilk	wilk	PROPN
cjfa-34390	92	27	statistic	statistic	PROPN
cjfa-34390	92	28	df	df	PROPN
cjfa-34390	92	29	sig	sig	PROPN
cjfa-34390	92	30	.	.	PUNCT
cjfa-34390	93	1	statistic	statistic	PROPN
cjfa-34390	93	2	df	df	PROPN
cjfa-34390	93	3	sig	sig	PROPN
cjfa-34390	93	4	.	.	PUNCT
cjfa-34390	94	1	saving	save	VERB
cjfa-34390	94	2	mobilization	mobilization	NOUN
cjfa-34390	94	3	.368	.368	NUM
cjfa-34390	94	4	1494	1494	NUM
cjfa-34390	94	5	.214	.214	NUM
cjfa-34390	94	6	.613	.613	NUM
cjfa-34390	94	7	1494	1494	NUM
cjfa-34390	94	8	.325	.325	NUM
cjfa-34390	94	9	e	e	X
cjfa-34390	94	10	-	-	ADJ
cjfa-34390	94	11	banking	banking	ADJ
cjfa-34390	94	12	platform	platform	NOUN
cjfa-34390	94	13	usage	usage	NOUN
cjfa-34390	94	14	by	by	ADP
cjfa-34390	94	15	the	the	DET
cjfa-34390	94	16	rural	rural	ADJ
cjfa-34390	94	17	dwellers	dweller	NOUN
cjfa-34390	94	18	.165	.165	NUM
cjfa-34390	94	19	1494	1494	NUM
cjfa-34390	94	20	.147	.147	NUM
cjfa-34390	94	21	.721	.721	NUM
cjfa-34390	94	22	1494	1494	NUM
cjfa-34390	94	23	.261	.261	NUM
cjfa-34390	94	24	financial	financial	ADJ
cjfa-34390	94	25	decisions	decision	NOUN
cjfa-34390	94	26	of	of	ADP
cjfa-34390	94	27	the	the	DET
cjfa-34390	94	28	rural	rural	ADJ
cjfa-34390	94	29	dwellers	dweller	NOUN
cjfa-34390	94	30	.161	.161	NUM
cjfa-34390	94	31	1494	1494	NUM
cjfa-34390	94	32	.107	.107	NUM
cjfa-34390	94	33	.790	.790	NUM
cjfa-34390	94	34	1494	1494	NUM
cjfa-34390	94	35	.059	.059	NUM
cjfa-34390	94	36	a.	a.	NOUN
cjfa-34390	94	37	lilliefors	lilliefor	NOUN
cjfa-34390	94	38	significance	significance	NOUN
cjfa-34390	94	39	correction	correction	NOUN
cjfa-34390	94	40	s	s	PART
cjfa-34390	94	41	o	o	NOUN
cjfa-34390	94	42	u	u	NOUN
cjfa-34390	94	43	r	r	NOUN
cjfa-34390	94	44	c	c	NOUN
cjfa-34390	94	45	e	e	NOUN
cjfa-34390	94	46	:	:	PUNCT
cjfa-34390	94	47	author	author	PROPN
cjfa-34390	94	48	’s	’s	PART
cjfa-34390	94	49	survey	survey	NOUN
cjfa-34390	94	50	,	,	PUNCT
cjfa-34390	94	51	2020	2020	NUM
cjfa-34390	94	52	.	.	PUNCT
cjfa-34390	95	1	the	the	DET
cjfa-34390	95	2	table	table	NOUN
cjfa-34390	95	3	above	above	ADV
cjfa-34390	95	4	indicated	indicate	VERB
cjfa-34390	95	5	that	that	SCONJ
cjfa-34390	95	6	the	the	DET
cjfa-34390	95	7	data	datum	NOUN
cjfa-34390	95	8	relating	relate	VERB
cjfa-34390	95	9	to	to	ADP
cjfa-34390	95	10	each	each	PRON
cjfa-34390	95	11	of	of	ADP
cjfa-34390	95	12	the	the	DET
cjfa-34390	95	13	research	research	NOUN
cjfa-34390	95	14	variables	variable	NOUN
cjfa-34390	95	15	were	be	AUX
cjfa-34390	95	16	normally	normally	ADV
cjfa-34390	95	17	distributed	distribute	VERB
cjfa-34390	95	18	as	as	ADP
cjfa-34390	95	19	kolmogorov	kolmogorov	ADJ
cjfa-34390	95	20	-	-	PUNCT
cjfa-34390	95	21	smirnov	smirnov	PROPN
cjfa-34390	95	22	and	and	CCONJ
cjfa-34390	95	23	shapiro	shapiro	PROPN
cjfa-34390	95	24	wilk	wilk	PROPN
cjfa-34390	95	25	test	test	NOUN
cjfa-34390	95	26	were	be	AUX
cjfa-34390	95	27	not	not	PART
cjfa-34390	95	28	significant	significant	ADJ
cjfa-34390	95	29	at	at	ADP
cjfa-34390	95	30	0.05	0.05	NUM
cjfa-34390	95	31	(	(	PUNCT
cjfa-34390	95	32	p	p	X
cjfa-34390	95	33	=	=	PUNCT
cjfa-34390	95	34	0.214	0.214	NUM
cjfa-34390	95	35	,	,	PUNCT
cjfa-34390	95	36	0.147	0.147	NUM
cjfa-34390	95	37	,	,	PUNCT
cjfa-34390	95	38	0.107	0.107	NUM
cjfa-34390	95	39	and	and	CCONJ
cjfa-34390	95	40	0.325	0.325	NUM
cjfa-34390	95	41	,	,	PUNCT
cjfa-34390	95	42	0.261	0.261	NUM
cjfa-34390	95	43	and	and	CCONJ
cjfa-34390	95	44	0.059	0.059	NUM
cjfa-34390	95	45	respectively	respectively	ADV
cjfa-34390	95	46	)	)	PUNCT
cjfa-34390	95	47	.	.	PUNCT
cjfa-34390	96	1	base	base	NOUN
cjfa-34390	96	2	on	on	ADP
cjfa-34390	96	3	this	this	DET
cjfa-34390	96	4	result	result	NOUN
cjfa-34390	96	5	parametric	parametric	ADJ
cjfa-34390	96	6	statistical	statistical	ADJ
cjfa-34390	96	7	analysis	analysis	NOUN
cjfa-34390	96	8	was	be	AUX
cjfa-34390	96	9	considered	consider	VERB
cjfa-34390	96	10	appropriate	appropriate	ADJ
cjfa-34390	96	11	for	for	ADP
cjfa-34390	96	12	this	this	DET
cjfa-34390	96	13	study	study	NOUN
cjfa-34390	96	14	.	.	PUNCT
cjfa-34390	97	1	table	table	NOUN
cjfa-34390	97	2	3	3	NUM
cjfa-34390	97	3	.	.	PUNCT
cjfa-34390	97	4	reliability	reliability	NOUN
cjfa-34390	97	5	test	test	NOUN
cjfa-34390	97	6	using	use	VERB
cjfa-34390	97	7	cronbach	cronbach	NOUN
cjfa-34390	97	8	’s	’s	PART
cjfa-34390	97	9	alpha	alpha	PROPN
cjfa-34390	97	10	variable	variable	PROPN
cjfa-34390	97	11	cronbach	cronbach	VERB
cjfa-34390	97	12	’s	’s	PART
cjfa-34390	97	13	alpha	alpha	NOUN
cjfa-34390	97	14	n	n	PRON
cjfa-34390	97	15	saving	save	VERB
cjfa-34390	97	16	mobilization	mobilization	NOUN
cjfa-34390	97	17	0.78	0.78	NUM
cjfa-34390	97	18	4	4	NUM
cjfa-34390	97	19	e	e	NOUN
cjfa-34390	97	20	-	-	ADJ
cjfa-34390	97	21	banking	banking	ADJ
cjfa-34390	97	22	platform	platform	NOUN
cjfa-34390	97	23	usage	usage	NOUN
cjfa-34390	97	24	by	by	ADP
cjfa-34390	97	25	the	the	DET
cjfa-34390	97	26	rural	rural	ADJ
cjfa-34390	97	27	dwellers	dweller	NOUN
cjfa-34390	97	28	0.76	0.76	NUM
cjfa-34390	97	29	4	4	NUM
cjfa-34390	97	30	financial	financial	ADJ
cjfa-34390	97	31	decisions	decision	NOUN
cjfa-34390	97	32	of	of	ADP
cjfa-34390	97	33	the	the	DET
cjfa-34390	97	34	rural	rural	ADJ
cjfa-34390	97	35	dwellers	dweller	NOUN
cjfa-34390	97	36	0.74	0.74	NUM
cjfa-34390	97	37	4	4	NUM
cjfa-34390	97	38	overall	overall	ADJ
cjfa-34390	97	39	0.72	0.72	NUM
cjfa-34390	97	40	12	12	NUM
cjfa-34390	97	41	s	s	NOUN
cjfa-34390	97	42	o	o	NOUN
cjfa-34390	97	43	u	u	NOUN
cjfa-34390	97	44	r	r	NOUN
cjfa-34390	97	45	c	c	NOUN
cjfa-34390	97	46	e	e	NOUN
cjfa-34390	97	47	:	:	PUNCT
cjfa-34390	97	48	author	author	PROPN
cjfa-34390	97	49	’s	’s	PART
cjfa-34390	97	50	survey	survey	NOUN
cjfa-34390	97	51	,	,	PUNCT
cjfa-34390	97	52	2020	2020	NUM
cjfa-34390	97	53	.	.	PUNCT
cjfa-34390	98	1	the	the	DET
cjfa-34390	98	2	table	table	NOUN
cjfa-34390	98	3	above	above	ADV
cjfa-34390	98	4	shows	show	VERB
cjfa-34390	98	5	that	that	PRON
cjfa-34390	98	6	cronbach	cronbach	VERB
cjfa-34390	98	7	’s	’s	PART
cjfa-34390	98	8	alpha	alpha	ADJ
cjfa-34390	98	9	coefficient	coefficient	NOUN
cjfa-34390	98	10	for	for	ADP
cjfa-34390	98	11	each	each	PRON
cjfa-34390	98	12	of	of	ADP
cjfa-34390	98	13	the	the	DET
cjfa-34390	98	14	above	above	ADJ
cjfa-34390	98	15	variables	variable	NOUN
cjfa-34390	98	16	is	be	AUX
cjfa-34390	98	17	relatively	relatively	ADV
cjfa-34390	98	18	high	high	ADJ
cjfa-34390	98	19	at	at	ADP
cjfa-34390	98	20	0.78	0.78	NUM
cjfa-34390	98	21	%	%	NOUN
cjfa-34390	98	22	,	,	PUNCT
cjfa-34390	98	23	0.76	0.76	NUM
cjfa-34390	98	24	%	%	NOUN
cjfa-34390	98	25	and	and	CCONJ
cjfa-34390	98	26	0.74	0.74	NUM
cjfa-34390	98	27	%	%	NOUN
cjfa-34390	98	28	regressors	regressor	NOUN
cjfa-34390	98	29	respectively	respectively	ADV
cjfa-34390	98	30	.	.	PUNCT
cjfa-34390	99	1	the	the	DET
cjfa-34390	99	2	overall	overall	ADJ
cjfa-34390	99	3	cronabch	cronabch	PROPN
cjfa-34390	99	4	’s	’s	PART
cjfa-34390	99	5	alpha	alpha	ADJ
cjfa-34390	99	6	coefficient	coefficient	NOUN
cjfa-34390	99	7	is	be	AUX
cjfa-34390	99	8	0.72	0.72	NUM
cjfa-34390	99	9	.	.	PUNCT
cjfa-34390	100	1	this	this	DET
cjfa-34390	100	2	value	value	NOUN
cjfa-34390	100	3	is	be	AUX
cjfa-34390	100	4	above	above	ADP
cjfa-34390	100	5	the	the	DET
cjfa-34390	100	6	standibrahim	standibrahim	NOUN
cjfa-34390	100	7	majeed	majeed	PROPN
cjfa-34390	100	8	ajibola	ajibola	PROPN
cjfa-34390	100	9	,	,	PUNCT
cjfa-34390	100	10	daud	daud	PROPN
cjfa-34390	100	11	omotosho	omotosho	PROPN
cjfa-34390	100	12	saheed	sahee	VERB
cjfa-34390	100	13	,	,	PUNCT
cjfa-34390	100	14	lukman	lukman	PROPN
cjfa-34390	100	15	adedoyin18	adedoyin18	PROPN
cjfa-34390	100	16	ard	ard	PROPN
cjfa-34390	100	17	margin	margin	NOUN
cjfa-34390	100	18	of	of	ADP
cjfa-34390	100	19	0.70	0.70	NUM
cjfa-34390	100	20	.	.	PUNCT
cjfa-34390	101	1	hence	hence	ADV
cjfa-34390	101	2	,	,	PUNCT
cjfa-34390	101	3	the	the	DET
cjfa-34390	101	4	scale	scale	NOUN
cjfa-34390	101	5	is	be	AUX
cjfa-34390	101	6	considered	consider	VERB
cjfa-34390	101	7	reliable	reliable	ADJ
cjfa-34390	101	8	base	base	NOUN
cjfa-34390	101	9	on	on	ADP
cjfa-34390	101	10	the	the	DET
cjfa-34390	101	11	above	above	ADJ
cjfa-34390	101	12	cronbach	cronbach	NOUN
cjfa-34390	101	13	’s	’s	PART
cjfa-34390	101	14	alpha	alpha	ADJ
cjfa-34390	101	15	result	result	NOUN
cjfa-34390	101	16	.	.	PUNCT
cjfa-34390	102	1	correlation	correlation	NOUN
cjfa-34390	102	2	coefficient	coefficient	NOUN
cjfa-34390	102	3	matrix	matrix	NOUN
cjfa-34390	102	4	among	among	ADP
cjfa-34390	102	5	variables	variable	NOUN
cjfa-34390	102	6	table	table	NOUN
cjfa-34390	102	7	4	4	NUM
cjfa-34390	102	8	.	.	PUNCT
cjfa-34390	102	9	correlation	correlation	NOUN
cjfa-34390	102	10	table	table	NOUN
cjfa-34390	102	11	sm	sm	PROPN
cjfa-34390	102	12	ebp	ebp	PROPN
cjfa-34390	102	13	fd	fd	PROPN
cjfa-34390	102	14	sm	sm	PROPN
cjfa-34390	102	15	pearson	pearson	PROPN
cjfa-34390	102	16	correlation	correlation	NOUN
cjfa-34390	102	17	1	1	NUM
cjfa-34390	102	18	.556	.556	NUM
cjfa-34390	102	19	*	*	PROPN
cjfa-34390	102	20	*	*	NOUN
cjfa-34390	102	21	.517	.517	PUNCT
cjfa-34390	102	22	*	*	PUNCT
cjfa-34390	102	23	*	*	PUNCT
cjfa-34390	102	24	sig	sig	X
cjfa-34390	102	25	.	.	PUNCT
cjfa-34390	103	1	(	(	PUNCT
cjfa-34390	103	2	2	2	NUM
cjfa-34390	103	3	-	-	PUNCT
cjfa-34390	103	4	tailed	tailed	ADJ
cjfa-34390	103	5	)	)	PUNCT
cjfa-34390	103	6	.000	.000	NUM
cjfa-34390	103	7	.000	.000	NUM
cjfa-34390	103	8	n	n	CCONJ
cjfa-34390	103	9	1494	1494	NUM
cjfa-34390	103	10	1494	1494	NUM
cjfa-34390	103	11	1494	1494	NUM
cjfa-34390	103	12	ebp	ebp	PROPN
cjfa-34390	103	13	pearson	pearson	PROPN
cjfa-34390	103	14	correlation	correlation	NOUN
cjfa-34390	103	15	.526	.526	NUM
cjfa-34390	103	16	*	*	PUNCT
cjfa-34390	103	17	*	*	PUNCT
cjfa-34390	103	18	1	1	NUM
cjfa-34390	103	19	.600	.600	NUM
cjfa-34390	103	20	*	*	PUNCT
cjfa-34390	103	21	*	*	PUNCT
cjfa-34390	103	22	sig	sig	X
cjfa-34390	103	23	.	.	PUNCT
cjfa-34390	104	1	(	(	PUNCT
cjfa-34390	104	2	2	2	NUM
cjfa-34390	104	3	-	-	PUNCT
cjfa-34390	104	4	tailed	tailed	ADJ
cjfa-34390	104	5	)	)	PUNCT
cjfa-34390	104	6	.000	.000	NUM
cjfa-34390	104	7	.000	.000	NUM
cjfa-34390	104	8	n	n	CCONJ
cjfa-34390	104	9	1494	1494	NUM
cjfa-34390	104	10	1494	1494	NUM
cjfa-34390	104	11	1494	1494	NUM
cjfa-34390	104	12	fd	fd	PROPN
cjfa-34390	104	13	pearson	pearson	PROPN
cjfa-34390	104	14	correlation	correlation	NOUN
cjfa-34390	104	15	.503	.503	NOUN
cjfa-34390	104	16	*	*	PUNCT
cjfa-34390	104	17	*	*	PUNCT
cjfa-34390	104	18	.600	.600	NUM
cjfa-34390	104	19	*	*	PROPN
cjfa-34390	104	20	*	*	PROPN
cjfa-34390	104	21	1	1	NUM
cjfa-34390	104	22	sig	sig	NOUN
cjfa-34390	104	23	.	.	PUNCT
cjfa-34390	105	1	(	(	PUNCT
cjfa-34390	105	2	2	2	NUM
cjfa-34390	105	3	-	-	PUNCT
cjfa-34390	105	4	tailed	tailed	ADJ
cjfa-34390	105	5	)	)	PUNCT
cjfa-34390	105	6	.000	.000	NUM
cjfa-34390	105	7	.000	.000	NUM
cjfa-34390	106	1	n	n	CCONJ
cjfa-34390	106	2	1494	1494	NUM
cjfa-34390	106	3	1494	1494	NUM
cjfa-34390	106	4	1494	1494	NUM
cjfa-34390	106	5	*	*	PUNCT
cjfa-34390	106	6	*	*	NOUN
cjfa-34390	106	7	.	.	PUNCT
cjfa-34390	107	1	correlation	correlation	NOUN
cjfa-34390	107	2	is	be	AUX
cjfa-34390	107	3	significant	significant	ADJ
cjfa-34390	107	4	at	at	ADP
cjfa-34390	107	5	the	the	DET
cjfa-34390	107	6	0.01	0.01	NUM
cjfa-34390	107	7	level	level	NOUN
cjfa-34390	107	8	(	(	PUNCT
cjfa-34390	107	9	2	2	NUM
cjfa-34390	107	10	-	-	PUNCT
cjfa-34390	107	11	tailed	tailed	ADJ
cjfa-34390	107	12	)	)	PUNCT
cjfa-34390	107	13	.	.	PUNCT
cjfa-34390	108	1	s	s	PART
cjfa-34390	108	2	o	o	X
cjfa-34390	108	3	u	u	NOUN
cjfa-34390	108	4	r	r	NOUN
cjfa-34390	108	5	c	c	NOUN
cjfa-34390	108	6	e	e	NOUN
cjfa-34390	108	7	:	:	PUNCT
cjfa-34390	108	8	author	author	PROPN
cjfa-34390	108	9	’s	’s	PART
cjfa-34390	108	10	survey	survey	NOUN
cjfa-34390	108	11	,	,	PUNCT
cjfa-34390	108	12	2020	2020	NUM
cjfa-34390	108	13	.	.	PUNCT
cjfa-34390	109	1	the	the	DET
cjfa-34390	109	2	table	table	NOUN
cjfa-34390	109	3	above	above	ADV
cjfa-34390	109	4	addressed	address	VERB
cjfa-34390	109	5	the	the	DET
cjfa-34390	109	6	multi	multi	ADJ
cjfa-34390	109	7	-	-	ADJ
cjfa-34390	109	8	collinearity	collinearity	ADJ
cjfa-34390	109	9	problem	problem	NOUN
cjfa-34390	109	10	among	among	ADP
cjfa-34390	109	11	the	the	DET
cjfa-34390	109	12	explanatory	explanatory	ADJ
cjfa-34390	109	13	variables	variable	NOUN
cjfa-34390	109	14	.	.	PUNCT
cjfa-34390	110	1	in	in	ADP
cjfa-34390	110	2	the	the	DET
cjfa-34390	110	3	light	light	NOUN
cjfa-34390	110	4	of	of	ADP
cjfa-34390	110	5	the	the	DET
cjfa-34390	110	6	above	above	NOUN
cjfa-34390	110	7	it	it	PRON
cjfa-34390	110	8	was	be	AUX
cjfa-34390	110	9	revealed	reveal	VERB
cjfa-34390	110	10	that	that	SCONJ
cjfa-34390	110	11	the	the	DET
cjfa-34390	110	12	independent	independent	ADJ
cjfa-34390	110	13	variables	variable	NOUN
cjfa-34390	110	14	were	be	AUX
cjfa-34390	110	15	not	not	PART
cjfa-34390	110	16	significantly	significantly	ADV
cjfa-34390	110	17	correlated	correlate	VERB
cjfa-34390	110	18	with	with	ADP
cjfa-34390	110	19	each	each	DET
cjfa-34390	110	20	other	other	ADJ
cjfa-34390	110	21	given	give	VERB
cjfa-34390	110	22	considering	consider	VERB
cjfa-34390	110	23	their	their	PRON
cjfa-34390	110	24	individual	individual	ADJ
cjfa-34390	110	25	coefficients	coefficient	NOUN
cjfa-34390	110	26	which	which	PRON
cjfa-34390	110	27	was	be	AUX
cjfa-34390	110	28	below	below	ADP
cjfa-34390	110	29	0.70	0.70	NUM
cjfa-34390	110	30	%	%	NOUN
cjfa-34390	110	31	significance	significance	NOUN
cjfa-34390	110	32	margin	margin	NOUN
cjfa-34390	110	33	level	level	NOUN
cjfa-34390	110	34	.	.	PUNCT
cjfa-34390	111	1	hence	hence	ADV
cjfa-34390	111	2	,	,	PUNCT
cjfa-34390	111	3	the	the	DET
cjfa-34390	111	4	result	result	NOUN
cjfa-34390	111	5	suggests	suggest	VERB
cjfa-34390	111	6	that	that	SCONJ
cjfa-34390	111	7	there	there	PRON
cjfa-34390	111	8	is	be	VERB
cjfa-34390	111	9	no	no	DET
cjfa-34390	111	10	multi	multi	ADJ
cjfa-34390	111	11	-	-	ADJ
cjfa-34390	111	12	collinearity	collinearity	ADJ
cjfa-34390	111	13	problem	problem	NOUN
cjfa-34390	111	14	among	among	ADP
cjfa-34390	111	15	the	the	DET
cjfa-34390	111	16	variables	variable	NOUN
cjfa-34390	111	17	.	.	PUNCT
cjfa-34390	112	1	impact	impact	NOUN
cjfa-34390	112	2	of	of	ADP
cjfa-34390	112	3	microfinance	microfinance	NOUN
cjfa-34390	112	4	institutions	institution	NOUN
cjfa-34390	112	5	on	on	ADP
cjfa-34390	112	6	financial	financial	ADJ
cjfa-34390	112	7	literacy	literacy	NOUN
cjfa-34390	112	8	…	…	PUNCT
cjfa-34390	112	9	19	19	NUM
cjfa-34390	112	10	empirical	empirical	ADJ
cjfa-34390	112	11	analysis	analysis	NOUN
cjfa-34390	112	12	pearson	pearson	NOUN
cjfa-34390	112	13	correlation	correlation	NOUN
cjfa-34390	112	14	table	table	NOUN
cjfa-34390	112	15	5	5	NUM
cjfa-34390	112	16	.	.	PUNCT
cjfa-34390	113	1	correlations	correlation	NOUN
cjfa-34390	113	2	sm	sm	INTJ
cjfa-34390	113	3	fl	fl	INTJ
cjfa-34390	113	4	sm	sm	PROPN
cjfa-34390	113	5	pearson	pearson	PROPN
cjfa-34390	113	6	correlation	correlation	NOUN
cjfa-34390	113	7	1	1	NUM
cjfa-34390	113	8	.804	.804	NUM
cjfa-34390	113	9	*	*	PROPN
cjfa-34390	113	10	*	*	X
cjfa-34390	113	11	sig	sig	X
cjfa-34390	113	12	.	.	PUNCT
cjfa-34390	114	1	(	(	PUNCT
cjfa-34390	114	2	2	2	NUM
cjfa-34390	114	3	-	-	PUNCT
cjfa-34390	114	4	tailed	tailed	ADJ
cjfa-34390	114	5	)	)	PUNCT
cjfa-34390	114	6	.000	.000	NUM
cjfa-34390	115	1	n	n	CCONJ
cjfa-34390	115	2	1494	1494	NUM
cjfa-34390	115	3	1494	1494	NUM
cjfa-34390	115	4	fl	fl	PROPN
cjfa-34390	115	5	pearson	pearson	PROPN
cjfa-34390	115	6	correlation	correlation	NOUN
cjfa-34390	115	7	.804	.804	NUM
cjfa-34390	115	8	*	*	PROPN
cjfa-34390	115	9	*	*	PROPN
cjfa-34390	115	10	1	1	NUM
cjfa-34390	115	11	sig	sig	NOUN
cjfa-34390	115	12	.	.	PUNCT
cjfa-34390	116	1	(	(	PUNCT
cjfa-34390	116	2	2	2	NUM
cjfa-34390	116	3	-	-	PUNCT
cjfa-34390	116	4	tailed	tailed	ADJ
cjfa-34390	116	5	)	)	PUNCT
cjfa-34390	116	6	.000	.000	NUM
cjfa-34390	117	1	n	n	PROPN
cjfa-34390	117	2	1494	1494	NUM
cjfa-34390	117	3	1494	1494	NUM
cjfa-34390	117	4	*	*	PUNCT
cjfa-34390	117	5	*	*	NOUN
cjfa-34390	117	6	.	.	PUNCT
cjfa-34390	118	1	correlation	correlation	NOUN
cjfa-34390	118	2	is	be	AUX
cjfa-34390	118	3	significant	significant	ADJ
cjfa-34390	118	4	at	at	ADP
cjfa-34390	118	5	the	the	DET
cjfa-34390	118	6	0.01	0.01	NUM
cjfa-34390	118	7	level	level	NOUN
cjfa-34390	118	8	(	(	PUNCT
cjfa-34390	118	9	2	2	NUM
cjfa-34390	118	10	-	-	PUNCT
cjfa-34390	118	11	tailed	tailed	ADJ
cjfa-34390	118	12	)	)	PUNCT
cjfa-34390	118	13	.	.	PUNCT
cjfa-34390	119	1	s	s	PART
cjfa-34390	119	2	o	o	X
cjfa-34390	119	3	u	u	NOUN
cjfa-34390	119	4	r	r	NOUN
cjfa-34390	119	5	c	c	NOUN
cjfa-34390	119	6	e	e	NOUN
cjfa-34390	119	7	:	:	PUNCT
cjfa-34390	119	8	author	author	PROPN
cjfa-34390	119	9	’s	’s	PART
cjfa-34390	119	10	computation	computation	NOUN
cjfa-34390	119	11	,	,	PUNCT
cjfa-34390	119	12	2020	2020	NUM
cjfa-34390	119	13	.	.	PUNCT
cjfa-34390	120	1	the	the	DET
cjfa-34390	120	2	table	table	NOUN
cjfa-34390	120	3	above	above	ADV
cjfa-34390	120	4	addressed	address	VERB
cjfa-34390	120	5	the	the	DET
cjfa-34390	120	6	relationship	relationship	NOUN
cjfa-34390	120	7	between	between	ADP
cjfa-34390	120	8	(	(	PUNCT
cjfa-34390	120	9	fl	fl	NOUN
cjfa-34390	120	10	)	)	PUNCT
cjfa-34390	120	11	and	and	CCONJ
cjfa-34390	120	12	(	(	PUNCT
cjfa-34390	120	13	sm	sm	INTJ
cjfa-34390	120	14	)	)	PUNCT
cjfa-34390	120	15	.	.	PUNCT
cjfa-34390	121	1	pearson	pearson	PROPN
cjfa-34390	121	2	correlation	correlation	NOUN
cjfa-34390	121	3	was	be	AUX
cjfa-34390	121	4	used	use	VERB
cjfa-34390	121	5	because	because	SCONJ
cjfa-34390	121	6	of	of	ADP
cjfa-34390	121	7	parametric	parametric	ADJ
cjfa-34390	121	8	nature	nature	NOUN
cjfa-34390	121	9	the	the	DET
cjfa-34390	121	10	data	datum	NOUN
cjfa-34390	121	11	which	which	PRON
cjfa-34390	121	12	was	be	AUX
cjfa-34390	121	13	detailed	detail	VERB
cjfa-34390	121	14	in	in	ADP
cjfa-34390	121	15	the	the	DET
cjfa-34390	121	16	normality	normality	NOUN
cjfa-34390	121	17	test	test	NOUN
cjfa-34390	121	18	that	that	PRON
cjfa-34390	121	19	previous	previous	ADJ
cjfa-34390	121	20	conducted	conduct	VERB
cjfa-34390	121	21	.	.	PUNCT
cjfa-34390	122	1	the	the	DET
cjfa-34390	122	2	correlation	correlation	NOUN
cjfa-34390	122	3	coefficient	coefficient	NOUN
cjfa-34390	122	4	of	of	ADP
cjfa-34390	122	5	the	the	DET
cjfa-34390	122	6	result	result	NOUN
cjfa-34390	122	7	is	be	AUX
cjfa-34390	122	8	above	above	ADP
cjfa-34390	122	9	0.70	0.70	NUM
cjfa-34390	122	10	i.e	i.e	DET
cjfa-34390	122	11	financial	financial	ADJ
cjfa-34390	122	12	literacy	literacy	NOUN
cjfa-34390	122	13	having	have	VERB
cjfa-34390	122	14	correlation	correlation	NOUN
cjfa-34390	122	15	coefficient	coefficient	NOUN
cjfa-34390	122	16	of	of	ADP
cjfa-34390	122	17	0.804	0.804	NUM
cjfa-34390	122	18	which	which	PRON
cjfa-34390	122	19	implies	imply	VERB
cjfa-34390	122	20	a	a	DET
cjfa-34390	122	21	positive	positive	ADJ
cjfa-34390	122	22	strong	strong	ADJ
cjfa-34390	122	23	relationship	relationship	NOUN
cjfa-34390	122	24	between	between	ADP
cjfa-34390	122	25	financial	financial	ADJ
cjfa-34390	122	26	literacy	literacy	NOUN
cjfa-34390	122	27	and	and	CCONJ
cjfa-34390	122	28	saving	saving	NOUN
cjfa-34390	122	29	mobilization	mobilization	NOUN
cjfa-34390	122	30	.	.	PUNCT
cjfa-34390	123	1	ibrahim	ibrahim	PROPN
cjfa-34390	123	2	majeed	majeed	PROPN
cjfa-34390	123	3	ajibola	ajibola	PROPN
cjfa-34390	123	4	,	,	PUNCT
cjfa-34390	123	5	daud	daud	PROPN
cjfa-34390	123	6	omotosho	omotosho	PROPN
cjfa-34390	123	7	saheed	sahee	VERB
cjfa-34390	123	8	,	,	PUNCT
cjfa-34390	123	9	lukman	lukman	PROPN
cjfa-34390	123	10	adedoyin20	adedoyin20	PROPN
cjfa-34390	123	11	regression	regression	NOUN
cjfa-34390	123	12	coefficient	coefficient	NOUN
cjfa-34390	123	13	table	table	NOUN
cjfa-34390	123	14	6	6	NUM
cjfa-34390	123	15	.	.	PUNCT
cjfa-34390	124	1	coefficientsa	coefficientsa	NOUN
cjfa-34390	124	2	model	model	VERB
cjfa-34390	124	3	unstandardized	unstandardized	ADJ
cjfa-34390	124	4	coefficients	coefficient	NOUN
cjfa-34390	124	5	standardized	standardize	VERB
cjfa-34390	124	6	coefficients	coefficient	NOUN
cjfa-34390	124	7	t	t	PROPN
cjfa-34390	124	8	sig	sig	PROPN
cjfa-34390	124	9	.	.	PUNCT
cjfa-34390	125	1	b	b	X
cjfa-34390	125	2	std	std	PROPN
cjfa-34390	125	3	.	.	NOUN
cjfa-34390	125	4	error	error	NOUN
cjfa-34390	125	5	beta	beta	NOUN
cjfa-34390	125	6	1	1	NUM
cjfa-34390	125	7	(	(	PUNCT
cjfa-34390	125	8	constant	constant	ADJ
cjfa-34390	125	9	)	)	PUNCT
cjfa-34390	125	10	.301	.301	NUM
cjfa-34390	125	11	.074	.074	NUM
cjfa-34390	125	12	4.304	4.304	NUM
cjfa-34390	125	13	.044	.044	NUM
cjfa-34390	125	14	saving	save	VERB
cjfa-34390	125	15	mobilization	mobilization	NOUN
cjfa-34390	125	16	.175	.175	NUM
cjfa-34390	125	17	.051	.051	NUM
cjfa-34390	125	18	.185	.185	NUM
cjfa-34390	125	19	2.420	2.420	NUM
cjfa-34390	125	20	.000	.000	NUM
cjfa-34390	125	21	e	e	X
cjfa-34390	125	22	-	-	ADJ
cjfa-34390	125	23	banking	banking	ADJ
cjfa-34390	125	24	platform	platform	NOUN
cjfa-34390	125	25	usage	usage	NOUN
cjfa-34390	125	26	by	by	ADP
cjfa-34390	125	27	the	the	DET
cjfa-34390	125	28	rural	rural	ADJ
cjfa-34390	125	29	dwellers	dweller	NOUN
cjfa-34390	125	30	.421	.421	NUM
cjfa-34390	125	31	.064	.064	NUM
cjfa-34390	125	32	.752	.752	NUM
cjfa-34390	125	33	6.164	6.164	NUM
cjfa-34390	125	34	.000	.000	NUM
cjfa-34390	125	35	financial	financial	ADJ
cjfa-34390	125	36	decision	decision	NOUN
cjfa-34390	125	37	of	of	ADP
cjfa-34390	125	38	the	the	DET
cjfa-34390	125	39	rural	rural	ADJ
cjfa-34390	125	40	dwellers	dweller	NOUN
cjfa-34390	125	41	.051	.051	NUM
cjfa-34390	125	42	.075	.075	NUM
cjfa-34390	125	43	.080	.080	NUM
cjfa-34390	125	44	.760	.760	NUM
cjfa-34390	125	45	.000	.000	NUM
cjfa-34390	125	46	a.	a.	NOUN
cjfa-34390	125	47	dependent	dependent	ADJ
cjfa-34390	125	48	variable	variable	NOUN
cjfa-34390	125	49	:	:	PUNCT
cjfa-34390	125	50	financial	financial	ADJ
cjfa-34390	125	51	literacy	literacy	NOUN
cjfa-34390	125	52	s	s	PART
cjfa-34390	125	53	o	o	NOUN
cjfa-34390	125	54	u	u	NOUN
cjfa-34390	125	55	r	r	NOUN
cjfa-34390	125	56	c	c	NOUN
cjfa-34390	125	57	e	e	NOUN
cjfa-34390	125	58	:	:	PUNCT
cjfa-34390	125	59	author	author	PROPN
cjfa-34390	125	60	’s	’s	PART
cjfa-34390	125	61	computation	computation	NOUN
cjfa-34390	125	62	,	,	PUNCT
cjfa-34390	125	63	2020	2020	NUM
cjfa-34390	125	64	.	.	PUNCT
cjfa-34390	126	1	the	the	DET
cjfa-34390	126	2	above	above	ADJ
cjfa-34390	126	3	table	table	NOUN
cjfa-34390	126	4	detailed	detail	VERB
cjfa-34390	126	5	the	the	DET
cjfa-34390	126	6	regression	regression	NOUN
cjfa-34390	126	7	result	result	NOUN
cjfa-34390	126	8	of	of	ADP
cjfa-34390	126	9	the	the	DET
cjfa-34390	126	10	model	model	NOUN
cjfa-34390	126	11	.	.	PUNCT
cjfa-34390	127	1	according	accord	VERB
cjfa-34390	127	2	the	the	DET
cjfa-34390	127	3	table	table	NOUN
cjfa-34390	127	4	0.301	0.301	NUM
cjfa-34390	127	5	was	be	AUX
cjfa-34390	127	6	reported	report	VERB
cjfa-34390	127	7	for	for	ADP
cjfa-34390	127	8	constant	constant	ADJ
cjfa-34390	127	9	which	which	PRON
cjfa-34390	127	10	implies	imply	VERB
cjfa-34390	127	11	that	that	SCONJ
cjfa-34390	127	12	irrespective	irrespective	ADJ
cjfa-34390	127	13	of	of	ADP
cjfa-34390	127	14	other	other	ADJ
cjfa-34390	127	15	independent	independent	ADJ
cjfa-34390	127	16	variables	variable	NOUN
cjfa-34390	127	17	,	,	PUNCT
cjfa-34390	127	18	financial	financial	ADJ
cjfa-34390	127	19	literacy	literacy	NOUN
cjfa-34390	127	20	is	be	AUX
cjfa-34390	127	21	constantly	constantly	ADV
cjfa-34390	127	22	affected	affect	VERB
cjfa-34390	127	23	by	by	ADP
cjfa-34390	127	24	0.301	0.301	NUM
cjfa-34390	127	25	.	.	PUNCT
cjfa-34390	128	1	saving	save	VERB
cjfa-34390	128	2	mobilization	mobilization	NOUN
cjfa-34390	128	3	of	of	ADP
cjfa-34390	128	4	the	the	DET
cjfa-34390	128	5	selected	select	VERB
cjfa-34390	128	6	micro	micro	NOUN
cjfa-34390	128	7	finance	finance	NOUN
cjfa-34390	128	8	institutions	institution	NOUN
cjfa-34390	128	9	has	have	VERB
cjfa-34390	128	10	a	a	DET
cjfa-34390	128	11	standardised	standardised	ADJ
cjfa-34390	128	12	coefficient	coefficient	NOUN
cjfa-34390	128	13	of	of	ADP
cjfa-34390	128	14	0.185	0.185	NUM
cjfa-34390	128	15	.	.	PUNCT
cjfa-34390	129	1	this	this	PRON
cjfa-34390	129	2	means	mean	VERB
cjfa-34390	129	3	that	that	SCONJ
cjfa-34390	129	4	for	for	ADP
cjfa-34390	129	5	every	every	DET
cjfa-34390	129	6	1	1	NUM
cjfa-34390	129	7	%	%	NOUN
cjfa-34390	129	8	increase	increase	NOUN
cjfa-34390	129	9	in	in	ADP
cjfa-34390	129	10	saving	save	VERB
cjfa-34390	129	11	mobilization	mobilization	NOUN
cjfa-34390	129	12	of	of	ADP
cjfa-34390	129	13	micro	micro	PROPN
cjfa-34390	129	14	finance	finance	PROPN
cjfa-34390	129	15	institutions	institution	NOUN
cjfa-34390	129	16	operations	operation	NOUN
cjfa-34390	129	17	,	,	PUNCT
cjfa-34390	129	18	financial	financial	ADJ
cjfa-34390	129	19	literacy	literacy	NOUN
cjfa-34390	129	20	increase	increase	NOUN
cjfa-34390	129	21	by	by	ADP
cjfa-34390	129	22	0.185	0.185	NUM
cjfa-34390	129	23	.	.	PUNCT
cjfa-34390	130	1	furthermore	furthermore	ADV
cjfa-34390	130	2	,	,	PUNCT
cjfa-34390	130	3	e	e	NOUN
cjfa-34390	130	4	-	-	ADJ
cjfa-34390	130	5	banking	banking	ADJ
cjfa-34390	130	6	platform	platform	NOUN
cjfa-34390	130	7	usage	usage	NOUN
cjfa-34390	130	8	by	by	ADP
cjfa-34390	130	9	the	the	DET
cjfa-34390	130	10	rural	rural	ADJ
cjfa-34390	130	11	dwellers	dweller	NOUN
cjfa-34390	130	12	has	have	VERB
cjfa-34390	130	13	a	a	DET
cjfa-34390	130	14	standardised	standardised	ADJ
cjfa-34390	130	15	coefficient	coefficient	NOUN
cjfa-34390	130	16	of	of	ADP
cjfa-34390	130	17	0.752	0.752	NUM
cjfa-34390	130	18	which	which	PRON
cjfa-34390	130	19	implies	imply	VERB
cjfa-34390	130	20	that	that	SCONJ
cjfa-34390	130	21	for	for	ADP
cjfa-34390	130	22	every	every	DET
cjfa-34390	130	23	1	1	NUM
cjfa-34390	130	24	%	%	NOUN
cjfa-34390	130	25	increase	increase	NOUN
cjfa-34390	130	26	in	in	ADP
cjfa-34390	130	27	e	e	NOUN
cjfa-34390	130	28	-	-	ADJ
cjfa-34390	130	29	banking	banking	ADJ
cjfa-34390	130	30	platform	platform	NOUN
cjfa-34390	130	31	usage	usage	NOUN
cjfa-34390	130	32	by	by	ADP
cjfa-34390	130	33	the	the	DET
cjfa-34390	130	34	rural	rural	ADJ
cjfa-34390	130	35	dwellers	dweller	NOUN
cjfa-34390	130	36	,	,	PUNCT
cjfa-34390	130	37	financial	financial	ADJ
cjfa-34390	130	38	literacy	literacy	NOUN
cjfa-34390	130	39	increase	increase	NOUN
cjfa-34390	130	40	by	by	ADP
cjfa-34390	130	41	0.752	0.752	NUM
cjfa-34390	130	42	.	.	PUNCT
cjfa-34390	131	1	finally	finally	ADV
cjfa-34390	131	2	,	,	PUNCT
cjfa-34390	131	3	financial	financial	ADJ
cjfa-34390	131	4	decision	decision	NOUN
cjfa-34390	131	5	of	of	ADP
cjfa-34390	131	6	the	the	DET
cjfa-34390	131	7	rural	rural	ADJ
cjfa-34390	131	8	dwellers	dweller	NOUN
cjfa-34390	131	9	has	have	VERB
cjfa-34390	131	10	a	a	DET
cjfa-34390	131	11	standardized	standardized	ADJ
cjfa-34390	131	12	coefficient	coefficient	NOUN
cjfa-34390	131	13	of	of	ADP
cjfa-34390	131	14	0.80	0.80	NUM
cjfa-34390	131	15	.	.	PUNCT
cjfa-34390	132	1	by	by	ADP
cjfa-34390	132	2	implication	implication	NOUN
cjfa-34390	132	3	,	,	PUNCT
cjfa-34390	132	4	for	for	ADP
cjfa-34390	132	5	every	every	DET
cjfa-34390	132	6	1	1	NUM
cjfa-34390	132	7	%	%	NOUN
cjfa-34390	132	8	increase	increase	NOUN
cjfa-34390	132	9	in	in	ADP
cjfa-34390	132	10	financial	financial	ADJ
cjfa-34390	132	11	decision	decision	NOUN
cjfa-34390	132	12	of	of	ADP
cjfa-34390	132	13	the	the	DET
cjfa-34390	132	14	rural	rural	ADJ
cjfa-34390	132	15	dwellers	dweller	NOUN
cjfa-34390	132	16	,	,	PUNCT
cjfa-34390	132	17	will	will	AUX
cjfa-34390	132	18	lead	lead	VERB
cjfa-34390	132	19	to	to	ADP
cjfa-34390	132	20	financial	financial	ADJ
cjfa-34390	132	21	literacy	literacy	NOUN
cjfa-34390	132	22	increase	increase	NOUN
cjfa-34390	132	23	by	by	ADP
cjfa-34390	132	24	0.80	0.80	NUM
cjfa-34390	132	25	.	.	PUNCT
cjfa-34390	133	1	however	however	ADV
cjfa-34390	133	2	,	,	PUNCT
cjfa-34390	133	3	the	the	DET
cjfa-34390	133	4	standard	standard	ADJ
cjfa-34390	133	5	error	error	NOUN
cjfa-34390	133	6	of	of	ADP
cjfa-34390	133	7	all	all	DET
cjfa-34390	133	8	the	the	DET
cjfa-34390	133	9	variables	variable	NOUN
cjfa-34390	133	10	are	be	AUX
cjfa-34390	133	11	very	very	ADV
cjfa-34390	133	12	low	low	ADJ
cjfa-34390	133	13	given	give	VERB
cjfa-34390	133	14	cognizance	cognizance	NOUN
cjfa-34390	133	15	to	to	ADP
cjfa-34390	133	16	their	their	PRON
cjfa-34390	133	17	reported	reported	ADJ
cjfa-34390	133	18	coefficient	coefficient	NOUN
cjfa-34390	133	19	.	.	PUNCT
cjfa-34390	134	1	by	by	ADP
cjfa-34390	134	2	implication	implication	NOUN
cjfa-34390	134	3	the	the	PRON
cjfa-34390	134	4	lower	low	ADJ
cjfa-34390	134	5	the	the	DET
cjfa-34390	134	6	standard	standard	ADJ
cjfa-34390	134	7	error	error	NOUN
cjfa-34390	134	8	,	,	PUNCT
cjfa-34390	134	9	the	the	PRON
cjfa-34390	134	10	more	more	ADV
cjfa-34390	134	11	precise	precise	ADJ
cjfa-34390	134	12	the	the	DET
cjfa-34390	134	13	estimates	estimate	NOUN
cjfa-34390	134	14	.	.	PUNCT
cjfa-34390	135	1	in	in	ADP
cjfa-34390	135	2	view	view	NOUN
cjfa-34390	135	3	of	of	ADP
cjfa-34390	135	4	this	this	DET
cjfa-34390	135	5	one	one	NOUN
cjfa-34390	135	6	can	can	AUX
cjfa-34390	135	7	draw	draw	VERB
cjfa-34390	135	8	a	a	DET
cjfa-34390	135	9	conclusion	conclusion	NOUN
cjfa-34390	135	10	that	that	SCONJ
cjfa-34390	135	11	all	all	DET
cjfa-34390	135	12	the	the	DET
cjfa-34390	135	13	adopted	adopt	VERB
cjfa-34390	135	14	proxies	proxy	NOUN
cjfa-34390	135	15	for	for	ADP
cjfa-34390	135	16	the	the	DET
cjfa-34390	135	17	independent	independent	ADJ
cjfa-34390	135	18	variables	variable	NOUN
cjfa-34390	135	19	were	be	AUX
cjfa-34390	135	20	precise	precise	ADJ
cjfa-34390	135	21	in	in	ADP
cjfa-34390	135	22	estimating	estimate	VERB
cjfa-34390	135	23	the	the	DET
cjfa-34390	135	24	parameters	parameter	NOUN
cjfa-34390	135	25	.	.	PUNCT
cjfa-34390	136	1	impact	impact	NOUN
cjfa-34390	136	2	of	of	ADP
cjfa-34390	136	3	microfinance	microfinance	NOUN
cjfa-34390	136	4	institutions	institution	NOUN
cjfa-34390	136	5	on	on	ADP
cjfa-34390	136	6	financial	financial	ADJ
cjfa-34390	136	7	literacy	literacy	NOUN
cjfa-34390	136	8	…	…	PUNCT
cjfa-34390	136	9	21	21	NUM
cjfa-34390	136	10	model	model	NOUN
cjfa-34390	136	11	summary	summary	NOUN
cjfa-34390	136	12	table	table	NOUN
cjfa-34390	136	13	7	7	NUM
cjfa-34390	136	14	.	.	PUNCT
cjfa-34390	136	15	model	model	NOUN
cjfa-34390	136	16	summary	summary	NOUN
cjfa-34390	136	17	model	model	NOUN
cjfa-34390	136	18	r	r	PROPN
cjfa-34390	136	19	r	r	NOUN
cjfa-34390	136	20	square	square	ADJ
cjfa-34390	136	21	adjusted	adjust	VERB
cjfa-34390	136	22	r	r	NOUN
cjfa-34390	136	23	square	square	ADJ
cjfa-34390	136	24	std	std	NOUN
cjfa-34390	136	25	.	.	PUNCT
cjfa-34390	137	1	error	error	NOUN
cjfa-34390	137	2	of	of	ADP
cjfa-34390	137	3	the	the	DET
cjfa-34390	137	4	estimate	estimate	NOUN
cjfa-34390	137	5	1	1	NUM
cjfa-34390	137	6	.652a	.652a	SYM
cjfa-34390	137	7	.665	.665	NUM
cjfa-34390	137	8	.698	.698	NUM
cjfa-34390	137	9	.248	.248	NUM
cjfa-34390	137	10	a	a	PRON
cjfa-34390	137	11	.	.	PUNCT
cjfa-34390	138	1	p	p	X
cjfa-34390	138	2	r	r	NOUN
cjfa-34390	138	3	e	e	NOUN
cjfa-34390	139	1	d	d	NOUN
cjfa-34390	140	1	i	i	NOUN
cjfa-34390	141	1	c	c	NOUN
cjfa-34390	142	1	t	t	NOUN
cjfa-34390	143	1	o	o	NOUN
cjfa-34390	143	2	r	r	NOUN
cjfa-34390	143	3	s	s	X
cjfa-34390	143	4	:	:	PUNCT
cjfa-34390	143	5	(	(	PUNCT
cjfa-34390	143	6	constant	constant	ADJ
cjfa-34390	143	7	)	)	PUNCT
cjfa-34390	143	8	,	,	PUNCT
cjfa-34390	143	9	mfio	mfio	PROPN
cjfa-34390	143	10	s	s	PART
cjfa-34390	143	11	o	o	NOUN
cjfa-34390	143	12	u	u	NOUN
cjfa-34390	143	13	r	r	NOUN
cjfa-34390	143	14	c	c	NOUN
cjfa-34390	143	15	e	e	NOUN
cjfa-34390	143	16	:	:	PUNCT
cjfa-34390	143	17	author	author	PROPN
cjfa-34390	143	18	’s	’s	PART
cjfa-34390	143	19	computation	computation	NOUN
cjfa-34390	143	20	,	,	PUNCT
cjfa-34390	143	21	2020	2020	NUM
cjfa-34390	143	22	.	.	PUNCT
cjfa-34390	144	1	the	the	DET
cjfa-34390	144	2	table	table	NOUN
cjfa-34390	144	3	detailed	detail	VERB
cjfa-34390	144	4	the	the	DET
cjfa-34390	144	5	model	model	NOUN
cjfa-34390	144	6	summary	summary	NOUN
cjfa-34390	144	7	describing	describe	VERB
cjfa-34390	144	8	it	it	PRON
cjfa-34390	144	9	goodness	goodness	NOUN
cjfa-34390	144	10	of	of	ADP
cjfa-34390	144	11	fit	fit	PROPN
cjfa-34390	144	12	.	.	PUNCT
cjfa-34390	145	1	multiple	multiple	ADJ
cjfa-34390	145	2	correlation	correlation	NOUN
cjfa-34390	145	3	coefficients	coefficient	NOUN
cjfa-34390	145	4	(	(	PUNCT
cjfa-34390	145	5	r	r	NOUN
cjfa-34390	145	6	)	)	PUNCT
cjfa-34390	145	7	of	of	ADP
cjfa-34390	145	8	0.652	0.652	NUM
cjfa-34390	145	9	posits	posit	NOUN
cjfa-34390	145	10	a	a	DET
cjfa-34390	145	11	strong	strong	ADJ
cjfa-34390	145	12	relationship	relationship	NOUN
cjfa-34390	145	13	between	between	ADP
cjfa-34390	145	14	the	the	DET
cjfa-34390	145	15	financial	financial	ADJ
cjfa-34390	145	16	literacy	literacy	NOUN
cjfa-34390	145	17	and	and	CCONJ
cjfa-34390	145	18	the	the	DET
cjfa-34390	145	19	set	set	NOUN
cjfa-34390	145	20	of	of	ADP
cjfa-34390	145	21	predictors	predictor	NOUN
cjfa-34390	145	22	as	as	ADP
cjfa-34390	145	23	a	a	DET
cjfa-34390	145	24	whole	whole	NOUN
cjfa-34390	145	25	.	.	PUNCT
cjfa-34390	146	1	the	the	DET
cjfa-34390	146	2	coefficient	coefficient	NOUN
cjfa-34390	146	3	of	of	ADP
cjfa-34390	146	4	(	(	PUNCT
cjfa-34390	146	5	r2	r2	PROPN
cjfa-34390	146	6	)	)	PUNCT
cjfa-34390	146	7	stood	stand	VERB
cjfa-34390	146	8	@	@	ADP
cjfa-34390	146	9	0.665	0.665	NUM
cjfa-34390	146	10	which	which	PRON
cjfa-34390	146	11	implies	imply	VERB
cjfa-34390	146	12	that	that	SCONJ
cjfa-34390	146	13	66.5	66.5	NUM
cjfa-34390	146	14	%	%	NOUN
cjfa-34390	146	15	of	of	ADP
cjfa-34390	146	16	variation	variation	NOUN
cjfa-34390	146	17	in	in	ADP
cjfa-34390	146	18	the	the	DET
cjfa-34390	146	19	financial	financial	ADJ
cjfa-34390	146	20	literacy	literacy	NOUN
cjfa-34390	146	21	being	be	AUX
cjfa-34390	146	22	the	the	DET
cjfa-34390	146	23	dependent	dependent	ADJ
cjfa-34390	146	24	variable	variable	NOUN
cjfa-34390	146	25	can	can	AUX
cjfa-34390	146	26	be	be	AUX
cjfa-34390	146	27	explained	explain	VERB
cjfa-34390	146	28	by	by	ADP
cjfa-34390	146	29	the	the	DET
cjfa-34390	146	30	adopted	adopt	VERB
cjfa-34390	146	31	surrogate	surrogate	NOUN
cjfa-34390	146	32	for	for	ADP
cjfa-34390	146	33	the	the	DET
cjfa-34390	146	34	independent	independent	ADJ
cjfa-34390	146	35	variables	variable	NOUN
cjfa-34390	146	36	while	while	SCONJ
cjfa-34390	146	37	the	the	DET
cjfa-34390	146	38	33.5	33.5	NUM
cjfa-34390	146	39	%	%	NOUN
cjfa-34390	146	40	gap	gap	NOUN
cjfa-34390	146	41	has	have	AUX
cjfa-34390	146	42	been	be	AUX
cjfa-34390	146	43	dumped	dump	VERB
cjfa-34390	146	44	into	into	ADP
cjfa-34390	146	45	the	the	DET
cjfa-34390	146	46	error	error	NOUN
cjfa-34390	146	47	term	term	NOUN
cjfa-34390	146	48	which	which	PRON
cjfa-34390	146	49	represent	represent	VERB
cjfa-34390	146	50	the	the	DET
cjfa-34390	146	51	stochastic	stochastic	ADJ
cjfa-34390	146	52	element	element	NOUN
cjfa-34390	146	53	of	of	ADP
cjfa-34390	146	54	the	the	DET
cjfa-34390	146	55	model	model	NOUN
cjfa-34390	146	56	.	.	PUNCT
cjfa-34390	147	1	table	table	NOUN
cjfa-34390	147	2	8	8	NUM
cjfa-34390	147	3	.	.	PUNCT
cjfa-34390	148	1	anovab	anovab	PROPN
cjfa-34390	148	2	model	model	PROPN
cjfa-34390	148	3	sum	sum	NOUN
cjfa-34390	148	4	of	of	ADP
cjfa-34390	148	5	squares	square	NOUN
cjfa-34390	148	6	df	df	PROPN
cjfa-34390	148	7	mean	mean	PROPN
cjfa-34390	148	8	square	square	PROPN
cjfa-34390	148	9	f	f	PROPN
cjfa-34390	148	10	sig	sig	PROPN
cjfa-34390	148	11	.	.	PROPN
cjfa-34390	148	12	1	1	NUM
cjfa-34390	148	13	regression	regression	NOUN
cjfa-34390	148	14	75.981	75.981	NUM
cjfa-34390	148	15	3	3	NUM
cjfa-34390	148	16	36.097	36.097	NUM
cjfa-34390	148	17	397.449	397.449	NUM
cjfa-34390	148	18	.000a	.000a	PROPN
cjfa-34390	148	19	residual	residual	ADJ
cjfa-34390	148	20	32.312	32.312	NUM
cjfa-34390	148	21	1494	1494	NUM
cjfa-34390	148	22	.086	.086	NUM
cjfa-34390	148	23	total	total	ADJ
cjfa-34390	148	24	108.293	108.293	NUM
cjfa-34390	148	25	1494	1494	NUM
cjfa-34390	148	26	a.	a.	NOUN
cjfa-34390	148	27	predictors	predictor	NOUN
cjfa-34390	148	28	:	:	PUNCT
cjfa-34390	148	29	(	(	PUNCT
cjfa-34390	148	30	constant	constant	ADJ
cjfa-34390	148	31	)	)	PUNCT
cjfa-34390	148	32	,	,	PUNCT
cjfa-34390	148	33	saving	save	VERB
cjfa-34390	148	34	mobilization	mobilization	NOUN
cjfa-34390	148	35	,	,	PUNCT
cjfa-34390	148	36	e	e	NOUN
cjfa-34390	148	37	-	-	ADJ
cjfa-34390	148	38	banking	banking	ADJ
cjfa-34390	148	39	platform	platform	NOUN
cjfa-34390	148	40	usage	usage	NOUN
cjfa-34390	148	41	by	by	ADP
cjfa-34390	148	42	the	the	DET
cjfa-34390	148	43	rural	rural	ADJ
cjfa-34390	148	44	dweller	dweller	NOUN
cjfa-34390	148	45	,	,	PUNCT
cjfa-34390	148	46	financial	financial	ADJ
cjfa-34390	148	47	decision	decision	NOUN
cjfa-34390	148	48	of	of	ADP
cjfa-34390	148	49	the	the	DET
cjfa-34390	148	50	rural	rural	ADJ
cjfa-34390	148	51	dweller	dweller	NOUN
cjfa-34390	148	52	b.	b.	PROPN
cjfa-34390	148	53	dependent	dependent	ADJ
cjfa-34390	148	54	variable	variable	NOUN
cjfa-34390	148	55	:	:	PUNCT
cjfa-34390	148	56	financial	financial	ADJ
cjfa-34390	148	57	literacy	literacy	NOUN
cjfa-34390	148	58	.	.	PUNCT
cjfa-34390	149	1	s	s	PART
cjfa-34390	149	2	o	o	X
cjfa-34390	149	3	u	u	NOUN
cjfa-34390	149	4	r	r	NOUN
cjfa-34390	149	5	c	c	NOUN
cjfa-34390	149	6	e	e	NOUN
cjfa-34390	149	7	:	:	PUNCT
cjfa-34390	149	8	author	author	PROPN
cjfa-34390	149	9	’s	’s	PART
cjfa-34390	149	10	computation	computation	NOUN
cjfa-34390	149	11	,	,	PUNCT
cjfa-34390	149	12	2020	2020	NUM
cjfa-34390	149	13	.	.	PUNCT
cjfa-34390	150	1	the	the	DET
cjfa-34390	150	2	above	above	ADJ
cjfa-34390	150	3	result	result	NOUN
cjfa-34390	150	4	shows	show	VERB
cjfa-34390	150	5	a	a	DET
cjfa-34390	150	6	general	general	ADJ
cjfa-34390	150	7	p	p	NOUN
cjfa-34390	150	8	-	-	PUNCT
cjfa-34390	150	9	value	value	NOUN
cjfa-34390	150	10	of	of	ADP
cjfa-34390	150	11	0.000	0.000	NUM
cjfa-34390	150	12	is	be	AUX
cjfa-34390	150	13	<	<	X
cjfa-34390	150	14	0.05	0.05	NUM
cjfa-34390	150	15	significance	significance	NOUN
cjfa-34390	150	16	margin	margin	NOUN
cjfa-34390	150	17	.	.	PUNCT
cjfa-34390	151	1	this	this	DET
cjfa-34390	151	2	posits	posit	NOUN
cjfa-34390	151	3	that	that	SCONJ
cjfa-34390	151	4	the	the	DET
cjfa-34390	151	5	model	model	NOUN
cjfa-34390	151	6	is	be	AUX
cjfa-34390	151	7	statistically	statistically	ADV
cjfa-34390	151	8	significant	significant	ADJ
cjfa-34390	151	9	.	.	PUNCT
cjfa-34390	152	1	the	the	DET
cjfa-34390	152	2	f	f	PROPN
cjfa-34390	152	3	-	-	PUNCT
cjfa-34390	152	4	statistics	statistic	NOUN
cjfa-34390	152	5	of	of	ADP
cjfa-34390	152	6	397.449s	397.449s	PROPN
cjfa-34390	152	7	was	be	AUX
cjfa-34390	152	8	equally	equally	ADV
cjfa-34390	152	9	significant	significant	ADJ
cjfa-34390	152	10	at	at	ADP
cjfa-34390	152	11	5	5	NUM
cjfa-34390	152	12	%	%	NOUN
cjfa-34390	152	13	which	which	PRON
cjfa-34390	152	14	posits	posit	VERB
cjfa-34390	152	15	that	that	SCONJ
cjfa-34390	152	16	the	the	DET
cjfa-34390	152	17	overall	overall	ADJ
cjfa-34390	152	18	regression	regression	NOUN
cjfa-34390	152	19	model	model	NOUN
cjfa-34390	152	20	is	be	AUX
cjfa-34390	152	21	fit	fit	ADJ
cjfa-34390	152	22	.	.	PUNCT
cjfa-34390	153	1	ibrahim	ibrahim	PROPN
cjfa-34390	153	2	majeed	majeed	PROPN
cjfa-34390	153	3	ajibola	ajibola	PROPN
cjfa-34390	153	4	,	,	PUNCT
cjfa-34390	153	5	daud	daud	PROPN
cjfa-34390	153	6	omotosho	omotosho	PROPN
cjfa-34390	153	7	saheed	sahee	VERB
cjfa-34390	153	8	,	,	PUNCT
cjfa-34390	153	9	lukman	lukman	PROPN
cjfa-34390	153	10	adedoyin22	adedoyin22	PROPN
cjfa-34390	153	11	 	 	SPACE
cjfa-34390	153	12	conclusion	conclusion	NOUN
cjfa-34390	153	13	and	and	CCONJ
cjfa-34390	153	14	recommendations	recommendation	NOUN
cjfa-34390	153	15	based	base	VERB
cjfa-34390	153	16	on	on	ADP
cjfa-34390	153	17	the	the	DET
cjfa-34390	153	18	empirical	empirical	ADJ
cjfa-34390	153	19	analysis	analysis	NOUN
cjfa-34390	153	20	of	of	ADP
cjfa-34390	153	21	the	the	DET
cjfa-34390	153	22	research	research	NOUN
cjfa-34390	153	23	,	,	PUNCT
cjfa-34390	153	24	it	it	PRON
cjfa-34390	153	25	was	be	AUX
cjfa-34390	153	26	revealed	reveal	VERB
cjfa-34390	153	27	that	that	SCONJ
cjfa-34390	153	28	a	a	DET
cjfa-34390	153	29	positive	positive	ADJ
cjfa-34390	153	30	relationship	relationship	NOUN
cjfa-34390	153	31	exists	exist	VERB
cjfa-34390	153	32	between	between	ADP
cjfa-34390	153	33	saving	save	VERB
cjfa-34390	153	34	mobilization	mobilization	NOUN
cjfa-34390	153	35	and	and	CCONJ
cjfa-34390	153	36	financial	financial	ADJ
cjfa-34390	153	37	literacy	literacy	NOUN
cjfa-34390	153	38	.	.	PUNCT
cjfa-34390	154	1	a	a	DET
cjfa-34390	154	2	percentage	percentage	NOUN
cjfa-34390	154	3	increase	increase	NOUN
cjfa-34390	154	4	in	in	ADP
cjfa-34390	154	5	saving	save	VERB
cjfa-34390	154	6	mobilization	mobilization	NOUN
cjfa-34390	154	7	activities	activity	NOUN
cjfa-34390	154	8	will	will	AUX
cjfa-34390	154	9	no	no	ADV
cjfa-34390	154	10	doubt	doubt	ADV
cjfa-34390	154	11	promote	promote	VERB
cjfa-34390	154	12	the	the	DET
cjfa-34390	154	13	level	level	NOUN
cjfa-34390	154	14	of	of	ADP
cjfa-34390	154	15	financial	financial	ADJ
cjfa-34390	154	16	literacy	literacy	NOUN
cjfa-34390	154	17	within	within	ADP
cjfa-34390	154	18	the	the	DET
cjfa-34390	154	19	study	study	NOUN
cjfa-34390	154	20	area	area	NOUN
cjfa-34390	154	21	considering	consider	VERB
cjfa-34390	154	22	the	the	DET
cjfa-34390	154	23	fact	fact	NOUN
cjfa-34390	154	24	that	that	SCONJ
cjfa-34390	154	25	saving	save	VERB
cjfa-34390	154	26	mobilization	mobilization	NOUN
cjfa-34390	154	27	activities	activity	NOUN
cjfa-34390	154	28	of	of	ADP
cjfa-34390	154	29	mfis	mfis	NOUN
cjfa-34390	154	30	will	will	AUX
cjfa-34390	154	31	no	no	ADV
cjfa-34390	154	32	doubt	doubt	ADV
cjfa-34390	154	33	promote	promote	VERB
cjfa-34390	154	34	a	a	DET
cjfa-34390	154	35	better	well	ADJ
cjfa-34390	154	36	financial	financial	ADJ
cjfa-34390	154	37	planning	planning	NOUN
cjfa-34390	154	38	and	and	CCONJ
cjfa-34390	154	39	debt	debt	NOUN
cjfa-34390	154	40	management	management	NOUN
cjfa-34390	154	41	of	of	ADP
cjfa-34390	154	42	the	the	DET
cjfa-34390	154	43	mfis	mfis	ADJ
cjfa-34390	154	44	customers	customer	NOUN
cjfa-34390	154	45	especially	especially	ADV
cjfa-34390	154	46	the	the	DET
cjfa-34390	154	47	rural	rural	ADJ
cjfa-34390	154	48	dwellers	dweller	NOUN
cjfa-34390	154	49	that	that	PRON
cjfa-34390	154	50	have	have	VERB
cjfa-34390	154	51	no	no	DET
cjfa-34390	154	52	access	access	NOUN
cjfa-34390	154	53	to	to	ADP
cjfa-34390	154	54	formal	formal	ADJ
cjfa-34390	154	55	financial	financial	ADJ
cjfa-34390	154	56	service	service	NOUN
cjfa-34390	154	57	.	.	PUNCT
cjfa-34390	155	1	e	e	X
cjfa-34390	155	2	-	-	ADJ
cjfa-34390	155	3	banking	banking	ADJ
cjfa-34390	155	4	product	product	NOUN
cjfa-34390	155	5	(	(	PUNCT
cjfa-34390	155	6	ebp	ebp	PROPN
cjfa-34390	155	7	)	)	PUNCT
cjfa-34390	155	8	and	and	CCONJ
cjfa-34390	155	9	financial	financial	ADJ
cjfa-34390	155	10	decision	decision	NOUN
cjfa-34390	155	11	(	(	PUNCT
cjfa-34390	155	12	fd	fd	PROPN
cjfa-34390	155	13	)	)	PUNCT
cjfa-34390	155	14	as	as	ADP
cjfa-34390	155	15	a	a	DET
cjfa-34390	155	16	proxy	proxy	NOUN
cjfa-34390	155	17	for	for	ADP
cjfa-34390	155	18	the	the	DET
cjfa-34390	155	19	independent	independent	ADJ
cjfa-34390	155	20	variable	variable	NOUN
cjfa-34390	155	21	equally	equally	ADV
cjfa-34390	155	22	shows	show	VERB
cjfa-34390	155	23	to	to	PART
cjfa-34390	155	24	have	have	VERB
cjfa-34390	155	25	strong	strong	ADJ
cjfa-34390	155	26	positive	positive	ADJ
cjfa-34390	155	27	relationship	relationship	NOUN
cjfa-34390	155	28	with	with	ADP
cjfa-34390	155	29	financial	financial	ADJ
cjfa-34390	155	30	literacy	literacy	NOUN
cjfa-34390	155	31	.	.	PUNCT
cjfa-34390	156	1	access	access	NOUN
cjfa-34390	156	2	and	and	CCONJ
cjfa-34390	156	3	usage	usage	NOUN
cjfa-34390	156	4	of	of	ADP
cjfa-34390	156	5	e	e	NOUN
cjfa-34390	156	6	-	-	ADJ
cjfa-34390	156	7	banking	banking	ADJ
cjfa-34390	156	8	products	product	NOUN
cjfa-34390	156	9	by	by	ADP
cjfa-34390	156	10	the	the	DET
cjfa-34390	156	11	rural	rural	ADJ
cjfa-34390	156	12	dwellers	dweller	NOUN
cjfa-34390	156	13	will	will	AUX
cjfa-34390	156	14	no	no	ADV
cjfa-34390	156	15	doubt	doubt	ADV
cjfa-34390	156	16	improve	improve	VERB
cjfa-34390	156	17	their	their	PRON
cjfa-34390	156	18	level	level	NOUN
cjfa-34390	156	19	of	of	ADP
cjfa-34390	156	20	financial	financial	ADJ
cjfa-34390	156	21	numeracy	numeracy	NOUN
cjfa-34390	156	22	and	and	CCONJ
cjfa-34390	156	23	literacy	literacy	NOUN
cjfa-34390	156	24	thereby	thereby	ADV
cjfa-34390	156	25	promoting	promote	VERB
cjfa-34390	156	26	a	a	DET
cjfa-34390	156	27	better	well	ADJ
cjfa-34390	156	28	financial	financial	ADJ
cjfa-34390	156	29	decision	decision	NOUN
cjfa-34390	156	30	.	.	PUNCT
cjfa-34390	157	1	revelations	revelation	NOUN
cjfa-34390	157	2	from	from	ADP
cjfa-34390	157	3	the	the	DET
cjfa-34390	157	4	x	x	NOUN
cjfa-34390	157	5	-	-	NOUN
cjfa-34390	157	6	ray	ray	NOUN
cjfa-34390	157	7	of	of	ADP
cjfa-34390	157	8	this	this	DET
cjfa-34390	157	9	study	study	NOUN
cjfa-34390	157	10	shows	show	VERB
cjfa-34390	157	11	that	that	SCONJ
cjfa-34390	157	12	the	the	DET
cjfa-34390	157	13	activities	activity	NOUN
cjfa-34390	157	14	of	of	ADP
cjfa-34390	157	15	mfis	mfis	NOUN
cjfa-34390	157	16	usually	usually	ADV
cjfa-34390	157	17	influence	influence	VERB
cjfa-34390	157	18	an	an	DET
cjfa-34390	157	19	improved	improved	ADJ
cjfa-34390	157	20	financial	financial	ADJ
cjfa-34390	157	21	planning	planning	NOUN
cjfa-34390	157	22	,	,	PUNCT
cjfa-34390	157	23	saving	save	VERB
cjfa-34390	157	24	habit	habit	NOUN
cjfa-34390	157	25	and	and	CCONJ
cjfa-34390	157	26	debt	debt	NOUN
cjfa-34390	157	27	management	management	NOUN
cjfa-34390	157	28	of	of	ADP
cjfa-34390	157	29	the	the	DET
cjfa-34390	157	30	mfis	mfis	ADJ
cjfa-34390	157	31	customers	customer	NOUN
cjfa-34390	157	32	especially	especially	ADV
cjfa-34390	157	33	the	the	DET
cjfa-34390	157	34	rural	rural	ADJ
cjfa-34390	157	35	dwellers	dweller	NOUN
cjfa-34390	157	36	that	that	PRON
cjfa-34390	157	37	have	have	VERB
cjfa-34390	157	38	no	no	DET
cjfa-34390	157	39	access	access	NOUN
cjfa-34390	157	40	to	to	ADP
cjfa-34390	157	41	formal	formal	ADJ
cjfa-34390	157	42	financial	financial	ADJ
cjfa-34390	157	43	service	service	NOUN
cjfa-34390	157	44	considering	consider	VERB
cjfa-34390	157	45	the	the	DET
cjfa-34390	157	46	reported	report	VERB
cjfa-34390	157	47	coefficient	coefficient	NOUN
cjfa-34390	157	48	of	of	ADP
cjfa-34390	157	49	microfinance	microfinance	NOUN
cjfa-34390	157	50	institutions	institution	NOUN
cjfa-34390	157	51	operation	operation	NOUN
cjfa-34390	157	52	(	(	PUNCT
cjfa-34390	157	53	mfio	mfio	NOUN
cjfa-34390	157	54	)	)	PUNCT
cjfa-34390	157	55	,	,	PUNCT
cjfa-34390	157	56	e	e	X
cjfa-34390	157	57	-	-	ADJ
cjfa-34390	157	58	banking	banking	ADJ
cjfa-34390	157	59	product	product	NOUN
cjfa-34390	157	60	(	(	PUNCT
cjfa-34390	157	61	ebp	ebp	PROPN
cjfa-34390	157	62	)	)	PUNCT
cjfa-34390	157	63	and	and	CCONJ
cjfa-34390	157	64	financial	financial	ADJ
cjfa-34390	157	65	decision	decision	NOUN
cjfa-34390	157	66	(	(	PUNCT
cjfa-34390	157	67	fd	fd	PROPN
cjfa-34390	157	68	)	)	PUNCT
cjfa-34390	157	69	as	as	ADP
cjfa-34390	157	70	a	a	DET
cjfa-34390	157	71	proxies	proxy	NOUN
cjfa-34390	157	72	for	for	ADP
cjfa-34390	157	73	the	the	DET
cjfa-34390	157	74	independent	independent	ADJ
cjfa-34390	157	75	variable	variable	NOUN
cjfa-34390	157	76	.	.	PUNCT
cjfa-34390	158	1	a	a	DET
cjfa-34390	158	2	good	good	ADJ
cjfa-34390	158	3	financial	financial	ADJ
cjfa-34390	158	4	literacy	literacy	NOUN
cjfa-34390	158	5	in	in	ADP
cjfa-34390	158	6	the	the	DET
cjfa-34390	158	7	population	population	NOUN
cjfa-34390	158	8	will	will	AUX
cjfa-34390	158	9	no	no	ADV
cjfa-34390	158	10	doubt	doubt	ADV
cjfa-34390	158	11	induce	induce	VERB
cjfa-34390	158	12	the	the	DET
cjfa-34390	158	13	level	level	NOUN
cjfa-34390	158	14	of	of	ADP
cjfa-34390	158	15	financial	financial	ADJ
cjfa-34390	158	16	inclusion	inclusion	NOUN
cjfa-34390	158	17	,	,	PUNCT
cjfa-34390	158	18	which	which	PRON
cjfa-34390	158	19	is	be	AUX
cjfa-34390	158	20	off	off	ADV
cjfa-34390	158	21	course	course	ADV
cjfa-34390	158	22	a	a	DET
cjfa-34390	158	23	widely	widely	ADV
cjfa-34390	158	24	accepted	accept	VERB
cjfa-34390	158	25	poverty	poverty	NOUN
cjfa-34390	158	26	reduction	reduction	NOUN
cjfa-34390	158	27	strategy	strategy	NOUN
cjfa-34390	158	28	aimed	aim	VERB
cjfa-34390	158	29	at	at	ADP
cjfa-34390	158	30	improving	improve	VERB
cjfa-34390	158	31	access	access	NOUN
cjfa-34390	158	32	to	to	ADP
cjfa-34390	158	33	financial	financial	ADJ
cjfa-34390	158	34	products	product	NOUN
cjfa-34390	158	35	for	for	ADP
cjfa-34390	158	36	those	those	PRON
cjfa-34390	158	37	in	in	ADP
cjfa-34390	158	38	viscous	viscous	ADJ
cjfa-34390	158	39	circle	circle	NOUN
cjfa-34390	158	40	of	of	ADP
cjfa-34390	158	41	poverty	poverty	NOUN
cjfa-34390	158	42	partly	partly	ADV
cjfa-34390	158	43	because	because	SCONJ
cjfa-34390	158	44	of	of	ADP
cjfa-34390	158	45	their	their	PRON
cjfa-34390	158	46	financial	financial	ADJ
cjfa-34390	158	47	literacy	literacy	NOUN
cjfa-34390	158	48	.	.	PUNCT
cjfa-34390	159	1	in	in	ADP
cjfa-34390	159	2	the	the	DET
cjfa-34390	159	3	light	light	NOUN
cjfa-34390	159	4	of	of	ADP
cjfa-34390	159	5	the	the	DET
cjfa-34390	159	6	forgoing	forgo	VERB
cjfa-34390	159	7	the	the	DET
cjfa-34390	159	8	following	follow	VERB
cjfa-34390	159	9	recommendations	recommendation	NOUN
cjfa-34390	159	10	were	be	AUX
cjfa-34390	159	11	made	make	VERB
cjfa-34390	159	12	:	:	PUNCT
cjfa-34390	159	13	the	the	DET
cjfa-34390	159	14	government	government	NOUN
cjfa-34390	159	15	should	should	AUX
cjfa-34390	159	16	promote	promote	VERB
cjfa-34390	159	17	financial	financial	ADJ
cjfa-34390	159	18	sector	sector	NOUN
cjfa-34390	159	19	deepening	deepen	VERB
cjfa-34390	159	20	by	by	ADP
cjfa-34390	159	21	licensing	license	VERB
cjfa-34390	159	22	more	more	ADJ
cjfa-34390	159	23	microfinance	microfinance	NOUN
cjfa-34390	159	24	institutions	institution	NOUN
cjfa-34390	159	25	,	,	PUNCT
cjfa-34390	159	26	to	to	PART
cjfa-34390	159	27	promote	promote	VERB
cjfa-34390	159	28	accessibility	accessibility	NOUN
cjfa-34390	159	29	to	to	PART
cjfa-34390	159	30	finance	finance	VERB
cjfa-34390	159	31	among	among	ADP
cjfa-34390	159	32	its	its	PRON
cjfa-34390	159	33	populous	populous	ADJ
cjfa-34390	159	34	to	to	PART
cjfa-34390	159	35	improve	improve	VERB
cjfa-34390	159	36	the	the	DET
cjfa-34390	159	37	level	level	NOUN
cjfa-34390	159	38	of	of	ADP
cjfa-34390	159	39	financial	financial	ADJ
cjfa-34390	159	40	literacy	literacy	NOUN
cjfa-34390	159	41	in	in	ADP
cjfa-34390	159	42	north	north	PROPN
cjfa-34390	159	43	central	central	ADJ
cjfa-34390	159	44	geo	geo	PROPN
cjfa-34390	159	45	-	-	ADJ
cjfa-34390	159	46	political	political	ADJ
cjfa-34390	159	47	zone	zone	NOUN
cjfa-34390	159	48	in	in	ADP
cjfa-34390	159	49	nigeria	nigeria	PROPN
cjfa-34390	159	50	.	.	PUNCT
cjfa-34390	160	1	this	this	PRON
cjfa-34390	160	2	will	will	AUX
cjfa-34390	160	3	increase	increase	VERB
cjfa-34390	160	4	their	their	PRON
cjfa-34390	160	5	ability	ability	NOUN
cjfa-34390	160	6	to	to	PART
cjfa-34390	160	7	save	save	VERB
cjfa-34390	160	8	and	and	CCONJ
cjfa-34390	160	9	borrow	borrow	AUX
cjfa-34390	160	10	thereby	thereby	ADV
cjfa-34390	160	11	contribute	contribute	VERB
cjfa-34390	160	12	positively	positively	ADV
cjfa-34390	160	13	to	to	ADP
cjfa-34390	160	14	economic	economic	ADJ
cjfa-34390	160	15	development	development	NOUN
cjfa-34390	160	16	by	by	ADP
cjfa-34390	160	17	reducing	reduce	VERB
cjfa-34390	160	18	the	the	DET
cjfa-34390	160	19	level	level	NOUN
cjfa-34390	160	20	of	of	ADP
cjfa-34390	160	21	poverty	poverty	NOUN
cjfa-34390	160	22	among	among	ADP
cjfa-34390	160	23	the	the	DET
cjfa-34390	160	24	rural	rural	ADJ
cjfa-34390	160	25	dwellers	dweller	NOUN
cjfa-34390	160	26	.	.	PUNCT
cjfa-34390	160	27	 	 	SPACE
cjfa-34390	161	1	references	reference	NOUN
cjfa-34390	161	2	abifarin	abifarin	NOUN
cjfa-34390	161	3	,	,	PUNCT
cjfa-34390	161	4	o.	o.	PROPN
cjfa-34390	161	5	,	,	PUNCT
cjfa-34390	161	6	&	&	CCONJ
cjfa-34390	161	7	bello	bello	PROPN
cjfa-34390	161	8	,	,	PUNCT
cjfa-34390	161	9	a.	a.	NOUN
cjfa-34390	161	10	(	(	PUNCT
cjfa-34390	161	11	2018	2018	NUM
cjfa-34390	161	12	)	)	PUNCT
cjfa-34390	161	13	.	.	PUNCT
cjfa-34390	162	1	cooperative	cooperative	ADJ
cjfa-34390	162	2	bank	bank	PROPN
cjfa-34390	162	3	as	as	ADP
cjfa-34390	162	4	an	an	DET
cjfa-34390	162	5	effective	effective	ADJ
cjfa-34390	162	6	financial	financial	ADJ
cjfa-34390	162	7	inclusion	inclusion	NOUN
cjfa-34390	162	8	strategy	strategy	NOUN
cjfa-34390	162	9	in	in	ADP
cjfa-34390	162	10	nigeria	nigeria	PROPN
cjfa-34390	162	11	.	.	PUNCT
cjfa-34390	163	1	journal	journal	PROPN
cjfa-34390	163	2	of	of	ADP
cjfa-34390	163	3	law	law	NOUN
cjfa-34390	163	4	,	,	PUNCT
cjfa-34390	163	5	policy	policy	NOUN
cjfa-34390	163	6	and	and	CCONJ
cjfa-34390	163	7	globalization	globalization	NOUN
cjfa-34390	163	8	,	,	PUNCT
cjfa-34390	163	9	44	44	NUM
cjfa-34390	163	10	.	.	PUNCT
cjfa-34390	164	1	adeola	adeola	PROPN
cjfa-34390	164	2	,	,	PUNCT
cjfa-34390	164	3	o.	o.	PROPN
cjfa-34390	164	4	,	,	PUNCT
cjfa-34390	164	5	&	&	CCONJ
cjfa-34390	164	6	ikpesu	ikpesu	PROPN
cjfa-34390	164	7	,	,	PUNCT
cjfa-34390	164	8	f.	f.	PROPN
cjfa-34390	164	9	(	(	PUNCT
cjfa-34390	164	10	2019	2019	NUM
cjfa-34390	164	11	)	)	PUNCT
cjfa-34390	164	12	.	.	PUNCT
cjfa-34390	165	1	an	an	DET
cjfa-34390	165	2	empirical	empirical	ADJ
cjfa-34390	165	3	investigation	investigation	NOUN
cjfa-34390	165	4	of	of	ADP
cjfa-34390	165	5	the	the	DET
cjfa-34390	165	6	impact	impact	NOUN
cjfa-34390	165	7	of	of	ADP
cjfa-34390	165	8	bank	bank	NOUN
cjfa-34390	165	9	lending	lending	NOUN
cjfa-34390	165	10	on	on	ADP
cjfa-34390	165	11	agricultural	agricultural	ADJ
cjfa-34390	165	12	output	output	NOUN
cjfa-34390	165	13	in	in	ADP
cjfa-34390	165	14	nigeria	nigeria	PROPN
cjfa-34390	165	15	:	:	PUNCT
cjfa-34390	165	16	a	a	DET
cjfa-34390	165	17	vector	vector	NOUN
cjfa-34390	165	18	autoregressive	autoregressive	ADJ
cjfa-34390	165	19	(	(	PUNCT
cjfa-34390	165	20	var	var	NOUN
cjfa-34390	165	21	)	)	PUNCT
cjfa-34390	165	22	approach	approach	NOUN
cjfa-34390	165	23	.	.	PUNCT
cjfa-34390	166	1	journal	journal	NOUN
cjfa-34390	166	2	of	of	ADP
cjfa-34390	166	3	developing	develop	VERB
cjfa-34390	166	4	areas	area	NOUN
cjfa-34390	166	5	,	,	PUNCT
cjfa-34390	166	6	tennessee	tennessee	PROPN
cjfa-34390	166	7	state	state	PROPN
cjfa-34390	166	8	university	university	PROPN
cjfa-34390	166	9	,	,	PUNCT
cjfa-34390	166	10	college	college	NOUN
cjfa-34390	166	11	of	of	ADP
cjfa-34390	166	12	business	business	NOUN
cjfa-34390	166	13	,	,	PUNCT
cjfa-34390	166	14	50(6	50(6	NUM
cjfa-34390	166	15	)	)	PUNCT
cjfa-34390	166	16	,	,	PUNCT
cjfa-34390	166	17	89	89	NUM
cjfa-34390	166	18	-	-	SYM
cjfa-34390	166	19	103	103	NUM
cjfa-34390	166	20	.	.	PUNCT
cjfa-34390	167	1	impact	impact	NOUN
cjfa-34390	167	2	of	of	ADP
cjfa-34390	167	3	microfinance	microfinance	NOUN
cjfa-34390	167	4	institutions	institution	NOUN
cjfa-34390	167	5	on	on	ADP
cjfa-34390	167	6	financial	financial	ADJ
cjfa-34390	167	7	literacy	literacy	NOUN
cjfa-34390	167	8	…	…	PUNCT
cjfa-34390	167	9	23	23	NUM
cjfa-34390	167	10	ajinaja	ajinaja	NOUN
cjfa-34390	167	11	,	,	PUNCT
cjfa-34390	167	12	t.	t.	PROPN
cjfa-34390	167	13	,	,	PUNCT
cjfa-34390	167	14	&	&	CCONJ
cjfa-34390	167	15	odeyale	odeyale	NOUN
cjfa-34390	167	16	,	,	PUNCT
cjfa-34390	167	17	a.	a.	NOUN
cjfa-34390	167	18	(	(	PUNCT
cjfa-34390	167	19	2018	2018	NUM
cjfa-34390	167	20	)	)	PUNCT
cjfa-34390	167	21	.	.	PUNCT
cjfa-34390	168	1	microfinance	microfinance	NOUN
cjfa-34390	168	2	and	and	CCONJ
cjfa-34390	168	3	the	the	DET
cjfa-34390	168	4	challenge	challenge	NOUN
cjfa-34390	168	5	of	of	ADP
cjfa-34390	168	6	financial	financial	ADJ
cjfa-34390	168	7	inclusion	inclusion	NOUN
cjfa-34390	168	8	for	for	ADP
cjfa-34390	168	9	sme	sme	PROPN
cjfa-34390	168	10	’s	’s	PART
cjfa-34390	168	11	development	development	NOUN
cjfa-34390	168	12	in	in	ADP
cjfa-34390	168	13	nigeria	nigeria	PROPN
cjfa-34390	168	14	.	.	PUNCT
cjfa-34390	169	1	iosr	iosr	PROPN
cjfa-34390	169	2	journal	journal	PROPN
cjfa-34390	169	3	of	of	ADP
cjfa-34390	169	4	business	business	NOUN
cjfa-34390	169	5	and	and	CCONJ
cjfa-34390	169	6	management	management	NOUN
cjfa-34390	169	7	,	,	PUNCT
cjfa-34390	169	8	19(2	19(2	NUM
cjfa-34390	169	9	)	)	PUNCT
cjfa-34390	169	10	,	,	PUNCT
cjfa-34390	169	11	11	11	NUM
cjfa-34390	169	12	-	-	SYM
cjfa-34390	169	13	18	18	NUM
cjfa-34390	169	14	.	.	PUNCT
cjfa-34390	169	15	http://dx.doi.org/10.9790/487x-1902021118	http://dx.doi.org/10.9790/487x-1902021118	PROPN
cjfa-34390	169	16	.	.	PUNCT
cjfa-34390	170	1	bayer	bayer	PROPN
cjfa-34390	170	2	,	,	PUNCT
cjfa-34390	170	3	j.	j.	PROPN
cjfa-34390	170	4	,	,	PUNCT
cjfa-34390	170	5	&	&	CCONJ
cjfa-34390	170	6	douglas	douglas	PROPN
cjfa-34390	170	7	,	,	PUNCT
cjfa-34390	170	8	b.	b.	PROPN
cjfa-34390	170	9	(	(	PUNCT
cjfa-34390	170	10	2009).the	2009).the	PRON
cjfa-34390	170	11	effects	effect	NOUN
cjfa-34390	170	12	of	of	ADP
cjfa-34390	170	13	financial	financial	ADJ
cjfa-34390	170	14	education	education	NOUN
cjfa-34390	170	15	in	in	ADP
cjfa-34390	170	16	the	the	DET
cjfa-34390	170	17	workplace	workplace	NOUN
cjfa-34390	170	18	:	:	PUNCT
cjfa-34390	170	19	evidence	evidence	NOUN
cjfa-34390	170	20	from	from	ADP
cjfa-34390	170	21	a	a	DET
cjfa-34390	170	22	survey	survey	NOUN
cjfa-34390	170	23	of	of	ADP
cjfa-34390	170	24	employers	employer	NOUN
cjfa-34390	170	25	.	.	PUNCT
cjfa-34390	171	1	economic	economic	ADJ
cjfa-34390	171	2	inquiry	inquiry	NOUN
cjfa-34390	171	3	,	,	PUNCT
cjfa-34390	171	4	47(4	47(4	PROPN
cjfa-34390	171	5	)	)	PUNCT
cjfa-34390	171	6	,	,	PUNCT
cjfa-34390	171	7	605	605	NUM
cjfa-34390	171	8	-	-	SYM
cjfa-34390	171	9	624	624	NUM
cjfa-34390	171	10	.	.	PUNCT
cjfa-34390	172	1	http://dx.doi	http://dx.doi	NOUN
cjfa-34390	172	2	.	.	PUNCT
cjfa-34390	173	1	org/10.1111	org/10.1111	ADJ
cjfa-34390	173	2	/	/	SYM
cjfa-34390	173	3	j.1465	j.1465	ADV
cjfa-34390	173	4	-	-	PUNCT
cjfa-34390	173	5	7295.2008.00156.x	7295.2008.00156.x	NOUN
cjfa-34390	173	6	.	.	PUNCT
cjfa-34390	174	1	chibba	chibba	NOUN
cjfa-34390	174	2	,	,	PUNCT
cjfa-34390	174	3	m.	m.	NOUN
cjfa-34390	174	4	(	(	PUNCT
cjfa-34390	174	5	2009	2009	NUM
cjfa-34390	174	6	)	)	PUNCT
cjfa-34390	174	7	.	.	PUNCT
cjfa-34390	175	1	financial	financial	ADJ
cjfa-34390	175	2	inclusion	inclusion	NOUN
cjfa-34390	175	3	,	,	PUNCT
cjfa-34390	175	4	poverty	poverty	NOUN
cjfa-34390	175	5	reduction	reduction	NOUN
cjfa-34390	175	6	and	and	CCONJ
cjfa-34390	175	7	the	the	DET
cjfa-34390	175	8	millennium	millennium	NOUN
cjfa-34390	175	9	development	development	NOUN
cjfa-34390	175	10	goals	goal	NOUN
cjfa-34390	175	11	.	.	PUNCT
cjfa-34390	176	1	european	european	PROPN
cjfa-34390	176	2	journal	journal	PROPN
cjfa-34390	176	3	of	of	ADP
cjfa-34390	176	4	development	development	PROPN
cjfa-34390	176	5	research	research	PROPN
cjfa-34390	176	6	,	,	PUNCT
cjfa-34390	176	7	21(2	21(2	NUM
cjfa-34390	176	8	)	)	PUNCT
cjfa-34390	176	9	,	,	PUNCT
cjfa-34390	176	10	213	213	NUM
cjfa-34390	176	11	-	-	SYM
cjfa-34390	176	12	230	230	NUM
cjfa-34390	176	13	.	.	PUNCT
cjfa-34390	177	1	http://	http://	PROPN
cjfa-34390	177	2	dx.doi.org/10.1057/ejdr.2008.17	dx.doi.org/10.1057/ejdr.2008.17	PROPN
cjfa-34390	177	3	.	.	PROPN
cjfa-34390	178	1	emeka	emeka	PROPN
cjfa-34390	178	2	,	,	PUNCT
cjfa-34390	178	3	e.	e.	PROPN
cjfa-34390	178	4	,	,	PUNCT
cjfa-34390	178	5	&	&	CCONJ
cjfa-34390	178	6	udom	udom	PROPN
cjfa-34390	178	7	,	,	PUNCT
cjfa-34390	178	8	a.	a.	NOUN
cjfa-34390	178	9	(	(	PUNCT
cjfa-34390	178	10	2019	2019	NUM
cjfa-34390	178	11	)	)	PUNCT
cjfa-34390	178	12	.	.	PUNCT
cjfa-34390	179	1	impact	impact	NOUN
cjfa-34390	179	2	of	of	ADP
cjfa-34390	179	3	microfinance	microfinance	NOUN
cjfa-34390	179	4	in	in	ADP
cjfa-34390	179	5	promoting	promote	VERB
cjfa-34390	179	6	financial	financial	ADJ
cjfa-34390	179	7	inclusion	inclusion	NOUN
cjfa-34390	179	8	in	in	ADP
cjfa-34390	179	9	nigeria	nigeria	PROPN
cjfa-34390	179	10	.	.	PUNCT
cjfa-34390	180	1	journal	journal	PROPN
cjfa-34390	180	2	of	of	ADP
cjfa-34390	180	3	business	business	NOUN
cjfa-34390	180	4	theory	theory	NOUN
cjfa-34390	180	5	and	and	CCONJ
cjfa-34390	180	6	practice	practice	NOUN
cjfa-34390	180	7	,	,	PUNCT
cjfa-34390	180	8	3(2	3(2	NUM
cjfa-34390	180	9	)	)	PUNCT
cjfa-34390	180	10	,	,	PUNCT
cjfa-34390	180	11	139	139	NUM
cjfa-34390	180	12	-	-	SYM
cjfa-34390	180	13	158	158	NUM
cjfa-34390	180	14	.	.	PUNCT
cjfa-34390	181	1	http://dx.doi	http://dx.doi	NOUN
cjfa-34390	181	2	.	.	PUNCT
cjfa-34390	182	1	org/10.22158	org/10.22158	PROPN
cjfa-34390	182	2	/	/	SYM
cjfa-34390	182	3	jbtp.v3n2p139	jbtp.v3n2p139	PROPN
cjfa-34390	182	4	.	.	PUNCT
cjfa-34390	182	5	gine	gine	PROPN
cjfa-34390	182	6	,	,	PUNCT
cjfa-34390	182	7	p.	p.	NOUN
cjfa-34390	182	8	(	(	PUNCT
cjfa-34390	182	9	2013	2013	NUM
cjfa-34390	182	10	)	)	PUNCT
cjfa-34390	182	11	.	.	PUNCT
cjfa-34390	183	1	finance	finance	NOUN
cjfa-34390	183	2	and	and	CCONJ
cjfa-34390	183	3	growth	growth	NOUN
cjfa-34390	183	4	:	:	PUNCT
cjfa-34390	183	5	theory	theory	NOUN
cjfa-34390	183	6	and	and	CCONJ
cjfa-34390	183	7	new	new	ADJ
cjfa-34390	183	8	evidence	evidence	NOUN
cjfa-34390	183	9	.	.	PUNCT
cjfa-34390	184	1	federal	federal	PROPN
cjfa-34390	184	2	reserve	reserve	PROPN
cjfa-34390	184	3	board	board	PROPN
cjfa-34390	184	4	discussion	discussion	NOUN
cjfa-34390	184	5	,	,	PUNCT
cjfa-34390	184	6	35	35	NUM
cjfa-34390	184	7	.	.	PUNCT
cjfa-34390	185	1	greenspan	greenspan	PROPN
cjfa-34390	185	2	,	,	PUNCT
cjfa-34390	185	3	a.	a.	NOUN
cjfa-34390	185	4	(	(	PUNCT
cjfa-34390	185	5	2002	2002	NUM
cjfa-34390	185	6	)	)	PUNCT
cjfa-34390	185	7	.	.	PUNCT
cjfa-34390	186	1	financial	financial	ADJ
cjfa-34390	186	2	literacy	literacy	NOUN
cjfa-34390	186	3	:	:	PUNCT
cjfa-34390	186	4	a	a	DET
cjfa-34390	186	5	tool	tool	NOUN
cjfa-34390	186	6	for	for	ADP
cjfa-34390	186	7	economic	economic	ADJ
cjfa-34390	186	8	progress	progress	NOUN
cjfa-34390	186	9	.	.	PUNCT
cjfa-34390	187	1	futurist	futurist	NOUN
cjfa-34390	187	2	,	,	PUNCT
cjfa-34390	187	3	36(4	36(4	NUM
cjfa-34390	187	4	)	)	PUNCT
cjfa-34390	187	5	,	,	PUNCT
cjfa-34390	187	6	37	37	NUM
cjfa-34390	187	7	-	-	SYM
cjfa-34390	187	8	41	41	NUM
cjfa-34390	187	9	.	.	PUNCT
cjfa-34390	188	1	henri	henri	PROPN
cjfa-34390	188	2	,	,	PUNCT
cjfa-34390	188	3	j.t	j.t	PROPN
cjfa-34390	188	4	.	.	PROPN
cjfa-34390	188	5	,	,	PUNCT
cjfa-34390	188	6	fred	fred	PROPN
cjfa-34390	188	7	,	,	PUNCT
cjfa-34390	188	8	m.	m.	NOUN
cjfa-34390	188	9	,	,	PUNCT
cjfa-34390	188	10	&	&	CCONJ
cjfa-34390	188	11	kemirembe	kemirembe	PROPN
cjfa-34390	188	12	,	,	PUNCT
cjfa-34390	188	13	o.m	o.m	PROPN
cjfa-34390	188	14	.	.	PUNCT
cjfa-34390	188	15	(	(	PUNCT
cjfa-34390	188	16	2015	2015	NUM
cjfa-34390	188	17	)	)	PUNCT
cjfa-34390	188	18	.	.	PUNCT
cjfa-34390	189	1	the	the	DET
cjfa-34390	189	2	role	role	NOUN
cjfa-34390	189	3	of	of	ADP
cjfa-34390	189	4	financial	financial	ADJ
cjfa-34390	189	5	literacy	literacy	NOUN
cjfa-34390	189	6	on	on	ADP
cjfa-34390	189	7	loan	loan	NOUN
cjfa-34390	189	8	repayment	repayment	NOUN
cjfa-34390	189	9	among	among	ADP
cjfa-34390	189	10	small	small	ADJ
cjfa-34390	189	11	and	and	CCONJ
cjfa-34390	189	12	medium	medium	ADJ
cjfa-34390	189	13	entrepreneurs	entrepreneur	NOUN
cjfa-34390	189	14	in	in	ADP
cjfa-34390	189	15	rwanda	rwanda	PROPN
cjfa-34390	189	16	;	;	PUNCT
cjfa-34390	189	17	case	case	NOUN
cjfa-34390	189	18	study	study	NOUN
cjfa-34390	189	19	of	of	ADP
cjfa-34390	189	20	urwego	urwego	ADJ
cjfa-34390	189	21	opportunity	opportunity	NOUN
cjfa-34390	189	22	bank	bank	NOUN
cjfa-34390	189	23	.	.	PUNCT
cjfa-34390	190	1	journal	journal	PROPN
cjfa-34390	190	2	of	of	ADP
cjfa-34390	190	3	small	small	ADJ
cjfa-34390	190	4	business	business	NOUN
cjfa-34390	190	5	and	and	CCONJ
cjfa-34390	190	6	entrepreneurship	entrepreneurship	NOUN
cjfa-34390	190	7	research	research	NOUN
cjfa-34390	190	8	.	.	PUNCT
cjfa-34390	191	1	3(5	3(5	NUM
cjfa-34390	191	2	)	)	PUNCT
cjfa-34390	191	3	,	,	PUNCT
cjfa-34390	191	4	33	33	NUM
cjfa-34390	191	5	-	-	SYM
cjfa-34390	191	6	66	66	NUM
cjfa-34390	191	7	.	.	PUNCT
cjfa-34390	191	8	kakande	kakande	PROPN
cjfa-34390	191	9	,	,	PUNCT
cjfa-34390	191	10	t.	t.	PROPN
cjfa-34390	191	11	(	(	PUNCT
cjfa-34390	191	12	2013	2013	NUM
cjfa-34390	191	13	)	)	PUNCT
cjfa-34390	191	14	.	.	PUNCT
cjfa-34390	192	1	impact	impact	NOUN
cjfa-34390	192	2	microfinance	microfinance	NOUN
cjfa-34390	192	3	banks	bank	NOUN
cjfa-34390	192	4	on	on	ADP
cjfa-34390	192	5	financial	financial	ADJ
cjfa-34390	192	6	literacy	literacy	NOUN
cjfa-34390	192	7	in	in	ADP
cjfa-34390	192	8	uganda	uganda	PROPN
cjfa-34390	192	9	.	.	PUNCT
cjfa-34390	193	1	issues	issue	NOUN
cjfa-34390	193	2	in	in	ADP
cjfa-34390	193	3	business	business	NOUN
cjfa-34390	193	4	management	management	NOUN
cjfa-34390	193	5	and	and	CCONJ
cjfa-34390	193	6	economics	economic	NOUN
cjfa-34390	193	7	,	,	PUNCT
cjfa-34390	193	8	1(7	1(7	NUM
cjfa-34390	193	9	)	)	PUNCT
cjfa-34390	193	10	,	,	PUNCT
cjfa-34390	193	11	193	193	NUM
cjfa-34390	193	12	-	-	SYM
cjfa-34390	193	13	199	199	NUM
cjfa-34390	193	14	.	.	PUNCT
cjfa-34390	194	1	lusardi	lusardi	PROPN
cjfa-34390	194	2	,	,	PUNCT
cjfa-34390	194	3	a.	a.	NOUN
cjfa-34390	194	4	(	(	PUNCT
cjfa-34390	194	5	2008	2008	NUM
cjfa-34390	194	6	)	)	PUNCT
cjfa-34390	194	7	.	.	PUNCT
cjfa-34390	195	1	financial	financial	ADJ
cjfa-34390	195	2	literacy	literacy	NOUN
cjfa-34390	195	3	:	:	PUNCT
cjfa-34390	195	4	an	an	DET
cjfa-34390	195	5	essential	essential	ADJ
cjfa-34390	195	6	tool	tool	NOUN
cjfa-34390	195	7	for	for	ADP
cjfa-34390	195	8	informed	informed	ADJ
cjfa-34390	195	9	consumer	consumer	NOUN
cjfa-34390	195	10	choice	choice	NOUN
cjfa-34390	195	11	.	.	PUNCT
cjfa-34390	196	1	paolo	paolo	PROPN
cjfa-34390	196	2	baffi	baffi	PROPN
cjfa-34390	196	3	centre	centre	PROPN
cjfa-34390	196	4	research	research	NOUN
cjfa-34390	196	5	paper	paper	NOUN
cjfa-34390	196	6	,	,	PUNCT
cjfa-34390	196	7	2009	2009	NUM
cjfa-34390	196	8	-	-	SYM
cjfa-34390	196	9	35	35	NUM
cjfa-34390	196	10	,	,	PUNCT
cjfa-34390	196	11	1	1	NUM
cjfa-34390	196	12	-	-	SYM
cjfa-34390	196	13	29	29	NUM
cjfa-34390	196	14	.	.	PUNCT
cjfa-34390	197	1	http://dx.doi.org/10.2139/	http://dx.doi.org/10.2139/	PUNCT
cjfa-34390	197	2	ssrn.1336389	ssrn.1336389	PROPN
cjfa-34390	197	3	.	.	PROPN
cjfa-34390	197	4	lusardi	lusardi	PROPN
cjfa-34390	197	5	,	,	PUNCT
cjfa-34390	197	6	a.	a.	NOUN
cjfa-34390	197	7	(	(	PUNCT
cjfa-34390	197	8	2012	2012	NUM
cjfa-34390	197	9	)	)	PUNCT
cjfa-34390	197	10	.	.	PUNCT
cjfa-34390	198	1	numeracy	numeracy	NOUN
cjfa-34390	198	2	,	,	PUNCT
cjfa-34390	198	3	financial	financial	ADJ
cjfa-34390	198	4	literacy	literacy	NOUN
cjfa-34390	198	5	,	,	PUNCT
cjfa-34390	198	6	and	and	CCONJ
cjfa-34390	198	7	financial	financial	ADJ
cjfa-34390	198	8	decision	decision	NOUN
cjfa-34390	198	9	-	-	PUNCT
cjfa-34390	198	10	making	making	NOUN
cjfa-34390	198	11	.	.	PUNCT
cjfa-34390	199	1	numeracy	numeracy	NOUN
cjfa-34390	199	2	,	,	PUNCT
cjfa-34390	199	3	5(1	5(1	NUM
cjfa-34390	199	4	)	)	PUNCT
cjfa-34390	199	5	,	,	PUNCT
cjfa-34390	199	6	1	1	NUM
cjfa-34390	199	7	-	-	SYM
cjfa-34390	199	8	12	12	NUM
cjfa-34390	199	9	.	.	PUNCT
cjfa-34390	200	1	http://dx.doi.org/10.5038/1936-4660.5.1.2	http://dx.doi.org/10.5038/1936-4660.5.1.2	NUM
cjfa-34390	200	2	.	.	NOUN
cjfa-34390	200	3	masok	masok	NOUN
cjfa-34390	200	4	,	,	PUNCT
cjfa-34390	200	5	c.	c.	PROPN
cjfa-34390	200	6	(	(	PUNCT
cjfa-34390	200	7	2011	2011	NUM
cjfa-34390	200	8	)	)	PUNCT
cjfa-34390	200	9	.	.	PUNCT
cjfa-34390	201	1	towards	towards	ADP
cjfa-34390	201	2	an	an	DET
cjfa-34390	201	3	effective	effective	ADJ
cjfa-34390	201	4	framework	framework	NOUN
cjfa-34390	201	5	for	for	ADP
cjfa-34390	201	6	financial	financial	ADJ
cjfa-34390	201	7	literacy	literacy	NOUN
cjfa-34390	201	8	and	and	CCONJ
cjfa-34390	201	9	financial	financial	ADJ
cjfa-34390	201	10	consumer	consumer	NOUN
cjfa-34390	201	11	protection	protection	NOUN
cjfa-34390	201	12	in	in	ADP
cjfa-34390	201	13	uganda	uganda	PROPN
cjfa-34390	201	14	.	.	PUNCT
cjfa-34390	202	1	kampala	kampala	PROPN
cjfa-34390	202	2	:	:	PUNCT
cjfa-34390	202	3	bank	bank	PROPN
cjfa-34390	202	4	of	of	ADP
cjfa-34390	202	5	uganda	uganda	PROPN
cjfa-34390	202	6	.	.	PUNCT
cjfa-34390	203	1	mohamed	mohamed	PROPN
cjfa-34390	203	2	,	,	PUNCT
cjfa-34390	203	3	m.a	m.a	PROPN
cjfa-34390	203	4	.	.	PROPN
cjfa-34390	203	5	,	,	PUNCT
cjfa-34390	203	6	&	&	CCONJ
cjfa-34390	203	7	mukhongo	mukhongo	PROPN
cjfa-34390	203	8	,	,	PUNCT
cjfa-34390	203	9	a.l	a.l	PROPN
cjfa-34390	203	10	.	.	PROPN
cjfa-34390	203	11	(	(	PUNCT
cjfa-34390	203	12	2016	2016	NUM
cjfa-34390	203	13	)	)	PUNCT
cjfa-34390	203	14	.	.	PUNCT
cjfa-34390	204	1	effects	effect	NOUN
cjfa-34390	204	2	of	of	ADP
cjfa-34390	204	3	microfinance	microfinance	NOUN
cjfa-34390	204	4	services	service	NOUN
cjfa-34390	204	5	on	on	ADP
cjfa-34390	204	6	the	the	DET
cjfa-34390	204	7	financial	financial	ADJ
cjfa-34390	204	8	performance	performance	NOUN
cjfa-34390	204	9	of	of	ADP
cjfa-34390	204	10	small	small	ADJ
cjfa-34390	204	11	and	and	CCONJ
cjfa-34390	204	12	medium	medium	ADJ
cjfa-34390	204	13	enterprises	enterprise	NOUN
cjfa-34390	204	14	in	in	ADP
cjfa-34390	204	15	mogadishu	mogadishu	PROPN
cjfa-34390	204	16	,	,	PUNCT
cjfa-34390	204	17	somalia	somalia	PROPN
cjfa-34390	204	18	.	.	PROPN
cjfa-34390	204	19	journal	journal	PROPN
cjfa-34390	204	20	of	of	ADP
cjfa-34390	204	21	business	business	NOUN
cjfa-34390	204	22	management	management	NOUN
cjfa-34390	204	23	,	,	PUNCT
cjfa-34390	204	24	2(9	2(9	NUM
cjfa-34390	204	25	)	)	PUNCT
cjfa-34390	204	26	,	,	PUNCT
cjfa-34390	204	27	152	152	NUM
cjfa-34390	204	28	-	-	SYM
cjfa-34390	204	29	173	173	NUM
cjfa-34390	204	30	.	.	PUNCT
cjfa-34390	205	1	sanusi	sanusi	PROPN
cjfa-34390	205	2	,	,	PUNCT
cjfa-34390	205	3	l.s	l.s	PROPN
cjfa-34390	205	4	.	.	PROPN
cjfa-34390	205	5	(	(	PUNCT
cjfa-34390	205	6	2011	2011	NUM
cjfa-34390	205	7	)	)	PUNCT
cjfa-34390	205	8	.	.	PUNCT
cjfa-34390	206	1	financial	financial	ADJ
cjfa-34390	206	2	inclusion	inclusion	NOUN
cjfa-34390	206	3	for	for	ADP
cjfa-34390	206	4	accelerated	accelerated	ADJ
cjfa-34390	206	5	micro	micro	NOUN
cjfa-34390	206	6	,	,	PUNCT
cjfa-34390	206	7	small	small	ADJ
cjfa-34390	206	8	and	and	CCONJ
cjfa-34390	206	9	medium	medium	ADJ
cjfa-34390	206	10	enterprises	enterprise	NOUN
cjfa-34390	206	11	development	development	NOUN
cjfa-34390	206	12	:	:	PUNCT
cjfa-34390	206	13	the	the	DET
cjfa-34390	206	14	nigerian	nigerian	PROPN
cjfa-34390	206	15	perspective	perspective	NOUN
cjfa-34390	206	16	.	.	PUNCT
cjfa-34390	207	1	paper	paper	NOUN
cjfa-34390	207	2	presented	present	VERB
cjfa-34390	207	3	at	at	ADP
cjfa-34390	207	4	the	the	DET
cjfa-34390	207	5	2011	2011	NUM
cjfa-34390	207	6	annual	annual	ADJ
cjfa-34390	207	7	microfinance	microfinance	NOUN
cjfa-34390	207	8	and	and	CCONJ
cjfa-34390	207	9	entrepreneurship	entrepreneurship	NOUN
cjfa-34390	207	10	awards	award	NOUN
cjfa-34390	207	11	.	.	PUNCT
cjfa-34390	208	1	skinner	skinner	PROPN
cjfa-34390	208	2	,	,	PUNCT
cjfa-34390	208	3	f.b	f.b	PROPN
cjfa-34390	208	4	.	.	PROPN
cjfa-34390	208	5	(	(	PUNCT
cjfa-34390	208	6	1953	1953	NUM
cjfa-34390	208	7	)	)	PUNCT
cjfa-34390	208	8	.	.	PUNCT
cjfa-34390	209	1	development	development	NOUN
cjfa-34390	209	2	and	and	CCONJ
cjfa-34390	209	3	learning	learning	PROPN
cjfa-34390	209	4	.	.	PUNCT
cjfa-34390	210	1	journal	journal	PROPN
cjfa-34390	210	2	of	of	ADP
cjfa-34390	210	3	research	research	NOUN
cjfa-34390	210	4	in	in	ADP
cjfa-34390	210	5	science	science	NOUN
cjfa-34390	210	6	teaching	teaching	NOUN
cjfa-34390	210	7	,	,	PUNCT
cjfa-34390	210	8	2(1	2(1	NUM
cjfa-34390	210	9	)	)	PUNCT
cjfa-34390	210	10	,	,	PUNCT
cjfa-34390	210	11	176	176	NUM
cjfa-34390	210	12	-	-	SYM
cjfa-34390	210	13	186	186	NUM
cjfa-34390	210	14	.	.	PUNCT
cjfa-34390	211	1	socol	socol	X
cjfa-34390	211	2	,	,	PUNCT
cjfa-34390	211	3	a.	a.	NOUN
cjfa-34390	211	4	(	(	PUNCT
cjfa-34390	211	5	2014	2014	NUM
cjfa-34390	211	6	)	)	PUNCT
cjfa-34390	211	7	.	.	PUNCT
cjfa-34390	212	1	from	from	ADP
cjfa-34390	212	2	literacy	literacy	NOUN
cjfa-34390	212	3	to	to	ADP
cjfa-34390	212	4	financial	financial	ADJ
cjfa-34390	212	5	education	education	NOUN
cjfa-34390	212	6	:	:	PUNCT
cjfa-34390	212	7	a	a	DET
cjfa-34390	212	8	survey	survey	NOUN
cjfa-34390	212	9	of	of	ADP
cjfa-34390	212	10	methods	method	NOUN
cjfa-34390	212	11	to	to	PART
cjfa-34390	212	12	measure	measure	VERB
cjfa-34390	212	13	phenomena	phenomenon	NOUN
cjfa-34390	212	14	.	.	PUNCT
cjfa-34390	213	1	the	the	DET
cjfa-34390	213	2	particular	particular	ADJ
cjfa-34390	213	3	situation	situation	NOUN
cjfa-34390	213	4	of	of	ADP
cjfa-34390	213	5	romania	romania	PROPN
cjfa-34390	213	6	.	.	PUNCT
cjfa-34390	214	1	annales	annales	PROPN
cjfa-34390	214	2	universitatis	universitatis	PROPN
cjfa-34390	214	3	apulensis	apulensis	NOUN
cjfa-34390	214	4	series	series	NOUN
cjfa-34390	214	5	oeconomica	oeconomica	PROPN
cjfa-34390	214	6	,	,	PUNCT
cjfa-34390	214	7	16(1	16(1	NUM
cjfa-34390	214	8	)	)	PUNCT
cjfa-34390	214	9	,	,	PUNCT
cjfa-34390	214	10	213	213	NUM
cjfa-34390	214	11	-	-	SYM
cjfa-34390	214	12	220	220	NUM
cjfa-34390	214	13	.	.	PUNCT
cjfa-34390	214	14	http://dx.doi.org/10.29302/oeconomica.2014.16.1.19	http://dx.doi.org/10.29302/oeconomica.2014.16.1.19	NOUN
cjfa-34390	214	15	.	.	PUNCT
cjfa-34390	215	1	ibrahim	ibrahim	PROPN
cjfa-34390	215	2	majeed	majeed	PROPN
cjfa-34390	215	3	ajibola	ajibola	PROPN
cjfa-34390	215	4	,	,	PUNCT
cjfa-34390	215	5	daud	daud	PROPN
cjfa-34390	215	6	omotosho	omotosho	PROPN
cjfa-34390	215	7	saheed	sahee	VERB
cjfa-34390	215	8	,	,	PUNCT
cjfa-34390	215	9	lukman	lukman	PROPN
cjfa-34390	215	10	adedoyin24	adedoyin24	PROPN
cjfa-34390	215	11	index	index	NOUN
cjfa-34390	215	12	questionnaire	questionnaire	NOUN
cjfa-34390	215	13	instruction	instruction	NOUN
cjfa-34390	215	14	:	:	PUNCT
cjfa-34390	215	15	please	please	INTJ
cjfa-34390	215	16	tick	tick	VERB
cjfa-34390	215	17	(	(	PUNCT
cjfa-34390	215	18	√	√	NUM
cjfa-34390	215	19	)	)	PUNCT
cjfa-34390	215	20	against	against	ADP
cjfa-34390	215	21	your	your	PRON
cjfa-34390	215	22	responses	response	NOUN
cjfa-34390	215	23	in	in	ADP
cjfa-34390	215	24	the	the	DET
cjfa-34390	215	25	space	space	NOUN
cjfa-34390	215	26	provided	provide	VERB
cjfa-34390	215	27	.	.	PUNCT
cjfa-34390	216	1	section	section	NOUN
cjfa-34390	216	2	a	a	DET
cjfa-34390	216	3	:	:	PUNCT
cjfa-34390	216	4	demographic	demographic	ADJ
cjfa-34390	216	5	data	datum	NOUN
cjfa-34390	216	6	1	1	NUM
cjfa-34390	216	7	.	.	PUNCT
cjfa-34390	217	1	age	age	NOUN
cjfa-34390	217	2	(	(	PUNCT
cjfa-34390	217	3	tick	tick	VERB
cjfa-34390	217	4	appropriately	appropriately	ADV
cjfa-34390	217	5	)	)	PUNCT
cjfa-34390	217	6	18	18	NUM
cjfa-34390	217	7	-	-	SYM
cjfa-34390	217	8	29	29	NUM
cjfa-34390	217	9	(	(	PUNCT
cjfa-34390	217	10	)	)	PUNCT
cjfa-34390	217	11	30	30	NUM
cjfa-34390	217	12	49	49	NUM
cjfa-34390	217	13	(	(	PUNCT
cjfa-34390	217	14	)	)	PUNCT
cjfa-34390	217	15	50	50	NUM
cjfa-34390	217	16	and	and	CCONJ
cjfa-34390	217	17	above	above	ADV
cjfa-34390	217	18	(	(	PUNCT
cjfa-34390	217	19	)	)	PUNCT
cjfa-34390	217	20	2	2	X
cjfa-34390	217	21	.	.	X
cjfa-34390	217	22	gender	gender	NOUN
cjfa-34390	217	23	:	:	PUNCT
cjfa-34390	217	24	male	male	NOUN
cjfa-34390	217	25	(	(	PUNCT
cjfa-34390	217	26	)	)	PUNCT
cjfa-34390	217	27	female	female	NOUN
cjfa-34390	217	28	(	(	PUNCT
cjfa-34390	217	29	)	)	PUNCT
cjfa-34390	217	30	3	3	X
cjfa-34390	217	31	.	.	X
cjfa-34390	217	32	marital	marital	ADJ
cjfa-34390	217	33	status	status	NOUN
cjfa-34390	217	34	:	:	PUNCT
cjfa-34390	217	35	single	single	ADJ
cjfa-34390	217	36	(	(	PUNCT
cjfa-34390	217	37	)	)	PUNCT
cjfa-34390	217	38	married	married	ADJ
cjfa-34390	217	39	(	(	PUNCT
cjfa-34390	217	40	)	)	PUNCT
cjfa-34390	217	41	4	4	X
cjfa-34390	217	42	.	.	X
cjfa-34390	218	1	occupation	occupation	NOUN
cjfa-34390	218	2	:	:	PUNCT
cjfa-34390	218	3	civil	civil	ADJ
cjfa-34390	218	4	servants	servant	NOUN
cjfa-34390	218	5	(	(	PUNCT
cjfa-34390	218	6	)	)	PUNCT
cjfa-34390	218	7	corporate	corporate	ADJ
cjfa-34390	218	8	employee	employee	NOUN
cjfa-34390	218	9	(	(	PUNCT
cjfa-34390	218	10	)	)	PUNCT
cjfa-34390	218	11	entrepreneur	entrepreneur	NOUN
cjfa-34390	218	12	(	(	PUNCT
cjfa-34390	218	13	)	)	PUNCT
cjfa-34390	218	14	student	student	NOUN
cjfa-34390	218	15	(	(	PUNCT
cjfa-34390	218	16	)	)	PUNCT
cjfa-34390	218	17	nb	nb	PROPN
cjfa-34390	218	18	;	;	PUNCT
cjfa-34390	218	19	from	from	ADP
cjfa-34390	218	20	the	the	DET
cjfa-34390	218	21	next	next	ADJ
cjfa-34390	218	22	section	section	NOUN
cjfa-34390	218	23	,	,	PUNCT
cjfa-34390	218	24	kindly	kindly	ADV
cjfa-34390	218	25	tick	tick	VERB
cjfa-34390	218	26	appropriately	appropriately	ADV
cjfa-34390	218	27	,	,	PUNCT
cjfa-34390	218	28	sa	sa	NOUN
cjfa-34390	218	29	=	=	SYM
cjfa-34390	218	30	5	5	NUM
cjfa-34390	218	31	=	=	PRON
cjfa-34390	218	32	strongly	strongly	ADV
cjfa-34390	218	33	agreed	agree	VERB
cjfa-34390	218	34	a	a	DET
cjfa-34390	218	35	=	=	SYM
cjfa-34390	218	36	4	4	NUM
cjfa-34390	218	37	=	=	NOUN
cjfa-34390	218	38	agreed	agree	VERB
cjfa-34390	218	39	i	i	NOUN
cjfa-34390	218	40	=	=	SYM
cjfa-34390	218	41	3	3	NUM
cjfa-34390	218	42	=	=	NOUN
cjfa-34390	218	43	indifference	indifference	NOUN
cjfa-34390	218	44	d	d	NOUN
cjfa-34390	218	45	=	=	SYM
cjfa-34390	218	46	2	2	NUM
cjfa-34390	218	47	=	=	NOUN
cjfa-34390	218	48	disagree	disagree	VERB
cjfa-34390	218	49	sd	sd	ADP
cjfa-34390	218	50	=	=	SYM
cjfa-34390	218	51	1	1	NUM
cjfa-34390	218	52	=	=	NUM
cjfa-34390	218	53	strongly	strongly	ADV
cjfa-34390	218	54	disagreed	disagree	VERB
cjfa-34390	218	55	section	section	NOUN
cjfa-34390	218	56	b	b	PROPN
cjfa-34390	218	57	operational	operational	ADJ
cjfa-34390	218	58	information	information	NOUN
cjfa-34390	218	59	i.	i.	NOUN
cjfa-34390	218	60	establish	establish	VERB
cjfa-34390	218	61	the	the	DET
cjfa-34390	218	62	relationship	relationship	NOUN
cjfa-34390	218	63	between	between	ADP
cjfa-34390	218	64	saving	save	VERB
cjfa-34390	218	65	mobilization	mobilization	NOUN
cjfa-34390	218	66	and	and	CCONJ
cjfa-34390	218	67	financial	financial	ADJ
cjfa-34390	218	68	literacy	literacy	NOUN
cjfa-34390	218	69	s	s	PART
cjfa-34390	218	70	/	/	SYM
cjfa-34390	218	71	n	n	PRON
cjfa-34390	218	72	statement	statement	NOUN
cjfa-34390	218	73	sa	sa	NOUN
cjfa-34390	218	74	a	a	DET
cjfa-34390	218	75	i	i	NOUN
cjfa-34390	218	76	d	d	NOUN
cjfa-34390	218	77	sd	sd	ADP
cjfa-34390	218	78	1	1	NUM
cjfa-34390	218	79	.	.	PUNCT
cjfa-34390	219	1	sm	sm	PROPN
cjfa-34390	219	2	improves	improve	VERB
cjfa-34390	219	3	customers	customer	NOUN
cjfa-34390	219	4	financial	financial	ADJ
cjfa-34390	219	5	literacy	literacy	NOUN
cjfa-34390	219	6	2	2	X
cjfa-34390	219	7	.	.	PUNCT
cjfa-34390	220	1	sm	sm	PROPN
cjfa-34390	220	2	improves	improve	VERB
cjfa-34390	220	3	customers	customer	NOUN
cjfa-34390	220	4	understanding	understanding	NOUN
cjfa-34390	220	5	of	of	ADP
cjfa-34390	220	6	financial	financial	ADJ
cjfa-34390	220	7	services	service	NOUN
cjfa-34390	220	8	3	3	NUM
cjfa-34390	220	9	.	.	PUNCT
cjfa-34390	220	10	sm	sm	PROPN
cjfa-34390	220	11	influence	influence	NOUN
cjfa-34390	220	12	customers	customer	NOUN
cjfa-34390	220	13	disposition	disposition	VERB
cjfa-34390	220	14	to	to	ADP
cjfa-34390	220	15	banking	banking	NOUN
cjfa-34390	220	16	culture	culture	NOUN
cjfa-34390	220	17	.	.	PUNCT
cjfa-34390	221	1	4	4	X
cjfa-34390	221	2	.	.	X
cjfa-34390	221	3	sm	sm	AUX
cjfa-34390	221	4	induce	induce	VERB
cjfa-34390	221	5	customers	customer	NOUN
cjfa-34390	221	6	financial	financial	ADJ
cjfa-34390	221	7	knowledge	knowledge	NOUN
cjfa-34390	221	8	impact	impact	NOUN
cjfa-34390	221	9	of	of	ADP
cjfa-34390	221	10	microfinance	microfinance	NOUN
cjfa-34390	221	11	institutions	institution	NOUN
cjfa-34390	221	12	on	on	ADP
cjfa-34390	221	13	financial	financial	ADJ
cjfa-34390	221	14	literacy	literacy	NOUN
cjfa-34390	221	15	…	…	PUNCT
cjfa-34390	221	16	25	25	NUM
cjfa-34390	221	17	ii	ii	NOUN
cjfa-34390	221	18	.	.	PUNCT
cjfa-34390	222	1	analyze	analyze	VERB
cjfa-34390	222	2	the	the	DET
cjfa-34390	222	3	effect	effect	NOUN
cjfa-34390	222	4	of	of	ADP
cjfa-34390	222	5	microfinance	microfinance	NOUN
cjfa-34390	222	6	institutions	institution	NOUN
cjfa-34390	222	7	operations	operation	NOUN
cjfa-34390	222	8	on	on	ADP
cjfa-34390	222	9	e	e	NOUN
cjfa-34390	222	10	-	-	ADJ
cjfa-34390	222	11	banking	banking	ADJ
cjfa-34390	222	12	platform	platform	NOUN
cjfa-34390	222	13	usage	usage	NOUN
cjfa-34390	222	14	by	by	ADP
cjfa-34390	222	15	the	the	DET
cjfa-34390	222	16	rural	rural	ADJ
cjfa-34390	222	17	dwellers	dweller	NOUN
cjfa-34390	222	18	s	s	PART
cjfa-34390	222	19	/	/	SYM
cjfa-34390	222	20	n	n	PRON
cjfa-34390	222	21	statement	statement	NOUN
cjfa-34390	222	22	sa	sa	NOUN
cjfa-34390	223	1	a	a	PRON
cjfa-34390	224	1	i	i	NOUN
cjfa-34390	225	1	d	d	NOUN
cjfa-34390	225	2	sd	sd	ADP
cjfa-34390	225	3	5	5	NUM
cjfa-34390	225	4	.	.	PUNCT
cjfa-34390	226	1	mfio	mfio	NOUN
cjfa-34390	226	2	brings	bring	VERB
cjfa-34390	226	3	e	e	NOUN
cjfa-34390	226	4	-	-	ADJ
cjfa-34390	226	5	banking	banking	ADJ
cjfa-34390	226	6	products	product	NOUN
cjfa-34390	226	7	close	close	ADJ
cjfa-34390	226	8	to	to	ADP
cjfa-34390	226	9	the	the	DET
cjfa-34390	226	10	rural	rural	ADJ
cjfa-34390	226	11	dwellers	dweller	NOUN
cjfa-34390	226	12	6	6	NUM
cjfa-34390	226	13	.	.	PUNCT
cjfa-34390	227	1	mfio	mfio	ADJ
cjfa-34390	227	2	influence	influence	NOUN
cjfa-34390	227	3	rural	rural	ADJ
cjfa-34390	227	4	dwellers	dweller	NOUN
cjfa-34390	227	5	disposition	disposition	NOUN
cjfa-34390	227	6	to	to	ADP
cjfa-34390	227	7	e	e	NOUN
cjfa-34390	227	8	-	-	ADJ
cjfa-34390	227	9	banking	banking	ADJ
cjfa-34390	227	10	usage	usage	NOUN
cjfa-34390	227	11	.	.	PUNCT
cjfa-34390	228	1	7	7	X
cjfa-34390	228	2	.	.	X
cjfa-34390	228	3	mfio	mfio	NOUN
cjfa-34390	228	4	improves	improve	VERB
cjfa-34390	228	5	rural	rural	ADJ
cjfa-34390	228	6	dwellers	dweller	NOUN
cjfa-34390	228	7	knowledge	knowledge	NOUN
cjfa-34390	228	8	on	on	ADP
cjfa-34390	228	9	e	e	NOUN
cjfa-34390	228	10	-	-	ADJ
cjfa-34390	228	11	banking	banking	ADJ
cjfa-34390	228	12	products	product	NOUN
cjfa-34390	228	13	.	.	PUNCT
cjfa-34390	229	1	8	8	X
cjfa-34390	229	2	.	.	X
cjfa-34390	230	1	e	e	X
cjfa-34390	230	2	-	-	ADJ
cjfa-34390	230	3	banking	banking	ADJ
cjfa-34390	230	4	products	product	NOUN
cjfa-34390	230	5	has	have	AUX
cjfa-34390	230	6	improved	improve	VERB
cjfa-34390	230	7	the	the	DET
cjfa-34390	230	8	level	level	NOUN
cjfa-34390	230	9	of	of	ADP
cjfa-34390	230	10	financial	financial	ADJ
cjfa-34390	230	11	inclusion	inclusion	NOUN
cjfa-34390	230	12	among	among	ADP
cjfa-34390	230	13	the	the	DET
cjfa-34390	230	14	rural	rural	ADJ
cjfa-34390	230	15	dwellers	dweller	NOUN
cjfa-34390	230	16	.	.	PUNCT
cjfa-34390	231	1	iii	iii	X
cjfa-34390	231	2	.	.	PROPN
cjfa-34390	231	3	identify	identify	VERB
cjfa-34390	231	4	the	the	DET
cjfa-34390	231	5	effects	effect	NOUN
cjfa-34390	231	6	of	of	ADP
cjfa-34390	231	7	microfinance	microfinance	NOUN
cjfa-34390	231	8	institutions	institution	NOUN
cjfa-34390	231	9	operations	operation	NOUN
cjfa-34390	231	10	on	on	ADP
cjfa-34390	231	11	the	the	DET
cjfa-34390	231	12	financial	financial	ADJ
cjfa-34390	231	13	decisions	decision	NOUN
cjfa-34390	231	14	of	of	ADP
cjfa-34390	231	15	the	the	DET
cjfa-34390	231	16	rural	rural	ADJ
cjfa-34390	231	17	dwellers	dweller	NOUN
cjfa-34390	231	18	s	s	PART
cjfa-34390	231	19	/	/	SYM
cjfa-34390	231	20	n	n	PRON
cjfa-34390	231	21	statement	statement	NOUN
cjfa-34390	231	22	sa	sa	NOUN
cjfa-34390	231	23	a	a	DET
cjfa-34390	231	24	i	i	NOUN
cjfa-34390	231	25	d	d	NOUN
cjfa-34390	231	26	sd	sd	ADP
cjfa-34390	231	27	9	9	NUM
cjfa-34390	231	28	.	.	PUNCT
cjfa-34390	232	1	mfio	mfio	NOUN
cjfa-34390	232	2	induce	induce	VERB
cjfa-34390	232	3	rural	rural	ADJ
cjfa-34390	232	4	dwellers	dweller	NOUN
cjfa-34390	232	5	investment	investment	NOUN
cjfa-34390	232	6	decision	decision	NOUN
cjfa-34390	232	7	10	10	NUM
cjfa-34390	232	8	.	.	PUNCT
cjfa-34390	233	1	mfio	mfio	NOUN
cjfa-34390	233	2	improves	improve	VERB
cjfa-34390	233	3	the	the	DET
cjfa-34390	233	4	rural	rural	ADJ
cjfa-34390	233	5	dwellers	dweller	NOUN
cjfa-34390	233	6	saving	save	VERB
cjfa-34390	233	7	culture	culture	NOUN
cjfa-34390	233	8	11	11	NUM
cjfa-34390	233	9	.	.	PUNCT
cjfa-34390	234	1	mfio	mfio	NOUN
cjfa-34390	234	2	improves	improve	VERB
cjfa-34390	234	3	the	the	DET
cjfa-34390	234	4	rural	rural	ADJ
cjfa-34390	234	5	dwellers	dweller	NOUN
cjfa-34390	234	6	financial	financial	ADJ
cjfa-34390	234	7	decision	decision	NOUN
cjfa-34390	234	8	.	.	PUNCT
cjfa-34390	235	1	12	12	NUM
cjfa-34390	235	2	.	.	PUNCT
cjfa-34390	236	1	mfio	mfio	NOUN
cjfa-34390	236	2	has	have	AUX
cjfa-34390	236	3	reduce	reduce	VERB
cjfa-34390	236	4	the	the	DET
cjfa-34390	236	5	fear	fear	NOUN
cjfa-34390	236	6	of	of	ADP
cjfa-34390	236	7	loss	loss	NOUN
cjfa-34390	236	8	of	of	ADP
cjfa-34390	236	9	fund	fund	NOUN
cjfa-34390	236	10	on	on	ADP
cjfa-34390	236	11	financial	financial	ADJ
cjfa-34390	236	12	instrument	instrument	NOUN
cjfa-34390	236	13	among	among	ADP
cjfa-34390	236	14	the	the	DET
cjfa-34390	236	15	rural	rural	ADJ
cjfa-34390	236	16	dwellers	dweller	NOUN
cjfa-34390	236	17	.	.	PUNCT