id	sid	tid	token	lemma	pos
cjfa-56739	1	1	2929copernican	2929copernican	NUM
cjfa-56739	1	2	journal	journal	NOUN
cjfa-56739	1	3	of	of	ADP
cjfa-56739	1	4	finance	finance	PROPN
cjfa-56739	1	5	&	&	CCONJ
cjfa-56739	1	6	accounting	accounting	PROPN
cjfa-56739	1	7	e	e	PROPN
cjfa-56739	1	8	-	-	PROPN
cjfa-56739	1	9	issn	issn	PROPN
cjfa-56739	1	10	2300	2300	NUM
cjfa-56739	1	11	-	-	SYM
cjfa-56739	1	12	3065	3065	NUM
cjfa-56739	1	13	p	p	PROPN
cjfa-56739	1	14	-	-	PUNCT
cjfa-56739	1	15	issn	issn	PROPN
cjfa-56739	1	16	2300	2300	NUM
cjfa-56739	1	17	-	-	SYM
cjfa-56739	1	18	12402024	12402024	NUM
cjfa-56739	1	19	,	,	PUNCT
cjfa-56739	1	20	volume	volume	NOUN
cjfa-56739	1	21	13	13	NUM
cjfa-56739	1	22	,	,	PUNCT
cjfa-56739	1	23	issue	issue	NOUN
cjfa-56739	1	24	2	2	NUM
cjfa-56739	1	25	date	date	NOUN
cjfa-56739	1	26	of	of	ADP
cjfa-56739	1	27	submission	submission	NOUN
cjfa-56739	1	28	:	:	PUNCT
cjfa-56739	1	29	february	february	NOUN
cjfa-56739	1	30	12	12	NUM
cjfa-56739	1	31	,	,	PUNCT
cjfa-56739	1	32	2024	2024	NUM
cjfa-56739	1	33	;	;	PUNCT
cjfa-56739	1	34	date	date	NOUN
cjfa-56739	1	35	of	of	ADP
cjfa-56739	1	36	acceptance	acceptance	NOUN
cjfa-56739	1	37	:	:	PUNCT
cjfa-56739	1	38	june	june	PROPN
cjfa-56739	1	39	3	3	NUM
cjfa-56739	1	40	,	,	PUNCT
cjfa-56739	1	41	2024	2024	NUM
cjfa-56739	1	42	.	.	PUNCT
cjfa-56739	2	1	*	*	PUNCT
cjfa-56739	2	2	contact	contact	NOUN
cjfa-56739	2	3	information	information	NOUN
cjfa-56739	2	4	:	:	PUNCT
cjfa-56739	2	5	m.adio1409@gmail.com	m.adio1409@gmail.com	X
cjfa-56739	2	6	,	,	PUNCT
cjfa-56739	2	7	department	department	NOUN
cjfa-56739	2	8	of	of	ADP
cjfa-56739	2	9	accounting	accounting	NOUN
cjfa-56739	2	10	and	and	CCONJ
cjfa-56739	2	11	finance	finance	NOUN
cjfa-56739	2	12	,	,	PUNCT
cjfa-56739	2	13	faculty	faculty	NOUN
cjfa-56739	2	14	of	of	ADP
cjfa-56739	2	15	management	management	NOUN
cjfa-56739	2	16	and	and	CCONJ
cjfa-56739	2	17	social	social	ADJ
cjfa-56739	2	18	sciences	science	NOUN
cjfa-56739	2	19	,	,	PUNCT
cjfa-56739	2	20	kwara	kwara	PROPN
cjfa-56739	2	21	state	state	PROPN
cjfa-56739	2	22	university	university	PROPN
cjfa-56739	2	23	,	,	PUNCT
cjfa-56739	2	24	malete	malete	NOUN
cjfa-56739	2	25	,	,	PUNCT
cjfa-56739	2	26	nigeria	nigeria	PROPN
cjfa-56739	2	27	,	,	PUNCT
cjfa-56739	2	28	phone	phone	NOUN
cjfa-56739	2	29	:	:	PUNCT
cjfa-56739	2	30	+23	+23	PROPN
cjfa-56739	2	31	48	48	NUM
cjfa-56739	2	32	038	038	NUM
cjfa-56739	2	33	950	950	NUM
cjfa-56739	2	34	868	868	NUM
cjfa-56739	2	35	;	;	PUNCT
cjfa-56739	2	36	orcid	orcid	PROPN
cjfa-56739	3	1	i	i	NOUN
cjfa-56739	3	2	d	d	PROPN
cjfa-56739	3	3	:	:	PUNCT
cjfa-56739	3	4	https://orcid.org/0000-0001-9921-2131	https://orcid.org/0000-0001-9921-2131	PROPN
cjfa-56739	3	5	babatunde	babatunde	PROPN
cjfa-56739	3	6	,	,	PUNCT
cjfa-56739	3	7	a.a	a.a	PROPN
cjfa-56739	3	8	.	.	PROPN
cjfa-56739	3	9	(	(	PUNCT
cjfa-56739	3	10	2024	2024	NUM
cjfa-56739	3	11	)	)	PUNCT
cjfa-56739	3	12	.	.	PUNCT
cjfa-56739	4	1	demand	demand	NOUN
cjfa-56739	4	2	side	side	NOUN
cjfa-56739	4	3	factors	factor	NOUN
cjfa-56739	4	4	and	and	CCONJ
cjfa-56739	4	5	financial	financial	ADJ
cjfa-56739	4	6	inclusion	inclusion	NOUN
cjfa-56739	4	7	:	:	PUNCT
cjfa-56739	4	8	the	the	DET
cjfa-56739	4	9	mediating	mediate	VERB
cjfa-56739	4	10	role	role	NOUN
cjfa-56739	4	11	of	of	ADP
cjfa-56739	4	12	financial	financial	ADJ
cjfa-56739	4	13	self	self	NOUN
cjfa-56739	4	14	-	-	PUNCT
cjfa-56739	4	15	efficacy	efficacy	NOUN
cjfa-56739	4	16	.	.	PUNCT
cjfa-56739	5	1	copernican	copernican	PROPN
cjfa-56739	5	2	journal	journal	PROPN
cjfa-56739	5	3	of	of	ADP
cjfa-56739	5	4	finance	finance	PROPN
cjfa-56739	5	5	&	&	CCONJ
cjfa-56739	5	6	accounting	accounting	PROPN
cjfa-56739	5	7	,	,	PUNCT
cjfa-56739	5	8	13(2	13(2	PROPN
cjfa-56739	5	9	)	)	PUNCT
cjfa-56739	5	10	,	,	PUNCT
cjfa-56739	5	11	29–45	29–45	NUM
cjfa-56739	5	12	.	.	PUNCT
cjfa-56739	6	1	http://dx.doi	http://dx.doi	NOUN
cjfa-56739	6	2	.	.	PUNCT
cjfa-56739	7	1	org/10.12775	org/10.12775	PROPN
cjfa-56739	7	2	/	/	SYM
cjfa-56739	7	3	cjfa.2024.006	cjfa.2024.006	PROPN
cjfa-56739	7	4	abdullahi	abdullahi	PROPN
cjfa-56739	7	5	adio	adio	PROPN
cjfa-56739	7	6	babatunde	babatunde	PROPN
cjfa-56739	7	7	*	*	PROPN
cjfa-56739	7	8	kwara	kwara	PROPN
cjfa-56739	7	9	state	state	PROPN
cjfa-56739	7	10	university	university	PROPN
cjfa-56739	7	11	demand	demand	NOUN
cjfa-56739	7	12	side	side	NOUN
cjfa-56739	7	13	factors	factor	NOUN
cjfa-56739	7	14	and	and	CCONJ
cjfa-56739	7	15	financial	financial	ADJ
cjfa-56739	7	16	inclusion	inclusion	NOUN
cjfa-56739	7	17	:	:	PUNCT
cjfa-56739	7	18	the	the	DET
cjfa-56739	7	19	mediating	mediate	VERB
cjfa-56739	7	20	role	role	NOUN
cjfa-56739	7	21	of	of	ADP
cjfa-56739	7	22	financial	financial	ADJ
cjfa-56739	7	23	self	self	NOUN
cjfa-56739	7	24	-	-	PUNCT
cjfa-56739	7	25	efficacy	efficacy	NOUN
cjfa-56739	7	26	keywords	keyword	NOUN
cjfa-56739	7	27	:	:	PUNCT
cjfa-56739	7	28	financial	financial	ADJ
cjfa-56739	7	29	attitude	attitude	NOUN
cjfa-56739	7	30	,	,	PUNCT
cjfa-56739	7	31	subjective	subjective	ADJ
cjfa-56739	7	32	norms	norm	NOUN
cjfa-56739	7	33	,	,	PUNCT
cjfa-56739	7	34	personal	personal	ADJ
cjfa-56739	7	35	experience	experience	NOUN
cjfa-56739	7	36	,	,	PUNCT
cjfa-56739	7	37	financial	financial	ADJ
cjfa-56739	7	38	self	self	NOUN
cjfa-56739	7	39	-	-	PUNCT
cjfa-56739	7	40	efficacy	efficacy	NOUN
cjfa-56739	7	41	,	,	PUNCT
cjfa-56739	7	42	financial	financial	ADJ
cjfa-56739	7	43	inclusion	inclusion	NOUN
cjfa-56739	7	44	.	.	PUNCT
cjfa-56739	8	1	j	j	PROPN
cjfa-56739	8	2	e	e	PROPN
cjfa-56739	8	3	l	l	PROPN
cjfa-56739	8	4	classification	classification	NOUN
cjfa-56739	8	5	:	:	PUNCT
cjfa-56739	9	1	g4	g4	NOUN
cjfa-56739	9	2	,	,	PUNCT
cjfa-56739	9	3	g51	g51	ADJ
cjfa-56739	9	4	,	,	PUNCT
cjfa-56739	9	5	g53	g53	PROPN
cjfa-56739	9	6	.	.	PUNCT
cjfa-56739	10	1	abstract	abstract	PROPN
cjfa-56739	10	2	:	:	PUNCT
cjfa-56739	10	3	despite	despite	SCONJ
cjfa-56739	10	4	the	the	DET
cjfa-56739	10	5	recognized	recognize	VERB
cjfa-56739	10	6	significance	significance	NOUN
cjfa-56739	10	7	of	of	ADP
cjfa-56739	10	8	achieving	achieve	VERB
cjfa-56739	10	9	financial	financial	ADJ
cjfa-56739	10	10	inclusion	inclusion	NOUN
cjfa-56739	10	11	in	in	ADP
cjfa-56739	10	12	nigeria	nigeria	PROPN
cjfa-56739	10	13	,	,	PUNCT
cjfa-56739	10	14	there	there	PRON
cjfa-56739	10	15	is	be	VERB
cjfa-56739	10	16	limited	limited	ADJ
cjfa-56739	10	17	studies	study	NOUN
cjfa-56739	10	18	in	in	ADP
cjfa-56739	10	19	this	this	DET
cjfa-56739	10	20	area	area	NOUN
cjfa-56739	10	21	.	.	PUNCT
cjfa-56739	11	1	this	this	DET
cjfa-56739	11	2	gap	gap	NOUN
cjfa-56739	11	3	primarily	primarily	ADV
cjfa-56739	11	4	arises	arise	VERB
cjfa-56739	11	5	from	from	ADP
cjfa-56739	11	6	the	the	DET
cjfa-56739	11	7	prevailing	prevail	VERB
cjfa-56739	11	8	focus	focus	NOUN
cjfa-56739	11	9	in	in	ADP
cjfa-56739	11	10	existing	exist	VERB
cjfa-56739	11	11	literature	literature	NOUN
cjfa-56739	11	12	on	on	ADP
cjfa-56739	11	13	financial	financial	ADJ
cjfa-56739	11	14	inclusion	inclusion	NOUN
cjfa-56739	11	15	in	in	ADP
cjfa-56739	11	16	nigeria	nigeria	PROPN
cjfa-56739	11	17	,	,	PUNCT
cjfa-56739	11	18	which	which	PRON
cjfa-56739	11	19	predominantly	predominantly	ADV
cjfa-56739	11	20	emphasizes	emphasize	VERB
cjfa-56739	11	21	the	the	DET
cjfa-56739	11	22	supply	supply	NOUN
cjfa-56739	11	23	side	side	NOUN
cjfa-56739	11	24	.	.	PUNCT
cjfa-56739	12	1	therefore	therefore	ADV
cjfa-56739	12	2	,	,	PUNCT
cjfa-56739	12	3	this	this	DET
cjfa-56739	12	4	study	study	NOUN
cjfa-56739	12	5	delved	delve	VERB
cjfa-56739	12	6	into	into	ADP
cjfa-56739	12	7	the	the	DET
cjfa-56739	12	8	role	role	NOUN
cjfa-56739	12	9	of	of	ADP
cjfa-56739	12	10	financial	financial	ADJ
cjfa-56739	12	11	selfefficacy	selfefficacy	NOUN
cjfa-56739	12	12	as	as	ADP
cjfa-56739	12	13	a	a	DET
cjfa-56739	12	14	mediator	mediator	NOUN
cjfa-56739	12	15	in	in	ADP
cjfa-56739	12	16	the	the	DET
cjfa-56739	12	17	relationship	relationship	NOUN
cjfa-56739	12	18	between	between	ADP
cjfa-56739	12	19	demand	demand	NOUN
cjfa-56739	12	20	-	-	PUNCT
cjfa-56739	12	21	side	side	NOUN
cjfa-56739	12	22	factors	factor	NOUN
cjfa-56739	12	23	and	and	CCONJ
cjfa-56739	12	24	the	the	DET
cjfa-56739	12	25	financial	financial	ADJ
cjfa-56739	12	26	inclusion	inclusion	NOUN
cjfa-56739	12	27	of	of	ADP
cjfa-56739	12	28	micro	micro	PROPN
cjfa-56739	12	29	,	,	PUNCT
cjfa-56739	12	30	small	small	ADJ
cjfa-56739	12	31	,	,	PUNCT
cjfa-56739	12	32	and	and	CCONJ
cjfa-56739	12	33	medium	medium	ADJ
cjfa-56739	12	34	enterprises	enterprise	NOUN
cjfa-56739	12	35	(	(	PUNCT
cjfa-56739	12	36	msmes	msme	NOUN
cjfa-56739	12	37	)	)	PUNCT
cjfa-56739	12	38	in	in	ADP
cjfa-56739	12	39	selected	select	VERB
cjfa-56739	12	40	local	local	ADJ
cjfa-56739	12	41	governments	government	NOUN
cjfa-56739	12	42	in	in	ADP
cjfa-56739	12	43	oyo	oyo	NOUN
cjfa-56739	12	44	state	state	NOUN
cjfa-56739	12	45	.	.	PUNCT
cjfa-56739	13	1	the	the	DET
cjfa-56739	13	2	study	study	NOUN
cjfa-56739	13	3	employed	employ	VERB
cjfa-56739	13	4	a	a	DET
cjfa-56739	13	5	cross	cross	ADJ
cjfa-56739	13	6	-	-	ADJ
cjfa-56739	13	7	sectional	sectional	ADJ
cjfa-56739	13	8	survey	survey	NOUN
cjfa-56739	13	9	design	design	NOUN
cjfa-56739	13	10	,	,	PUNCT
cjfa-56739	13	11	the	the	DET
cjfa-56739	13	12	study	study	NOUN
cjfa-56739	13	13	gathered	gather	VERB
cjfa-56739	13	14	primary	primary	ADJ
cjfa-56739	13	15	data	datum	NOUN
cjfa-56739	13	16	through	through	ADP
cjfa-56739	13	17	structured	structured	ADJ
cjfa-56739	13	18	questionnaires	questionnaire	NOUN
cjfa-56739	13	19	and	and	CCONJ
cjfa-56739	13	20	utilized	utilize	VERB
cjfa-56739	13	21	a	a	DET
cjfa-56739	13	22	structural	structural	ADJ
cjfa-56739	13	23	equation	equation	NOUN
cjfa-56739	13	24	model	model	NOUN
cjfa-56739	13	25	for	for	ADP
cjfa-56739	13	26	analysis	analysis	NOUN
cjfa-56739	13	27	.	.	PUNCT
cjfa-56739	14	1	the	the	DET
cjfa-56739	14	2	findings	finding	NOUN
cjfa-56739	14	3	reported	report	VERB
cjfa-56739	14	4	a	a	DET
cjfa-56739	14	5	significant	significant	ADJ
cjfa-56739	14	6	positive	positive	ADJ
cjfa-56739	14	7	link	link	NOUN
cjfa-56739	14	8	between	between	ADP
cjfa-56739	14	9	financial	financial	ADJ
cjfa-56739	14	10	attitude	attitude	NOUN
cjfa-56739	14	11	and	and	CCONJ
cjfa-56739	14	12	financial	financial	ADJ
cjfa-56739	14	13	inclusion	inclusion	NOUN
cjfa-56739	14	14	(	(	PUNCT
cjfa-56739	14	15	p	p	NOUN
cjfa-56739	14	16	-	-	PUNCT
cjfa-56739	14	17	value	value	NOUN
cjfa-56739	14	18	:	:	PUNCT
cjfa-56739	14	19	0.000	0.000	NUM
cjfa-56739	14	20	)	)	PUNCT
cjfa-56739	14	21	.	.	PUNCT
cjfa-56739	15	1	likewise	likewise	ADV
cjfa-56739	15	2	,	,	PUNCT
cjfa-56739	15	3	there	there	PRON
cjfa-56739	15	4	was	be	VERB
cjfa-56739	15	5	a	a	DET
cjfa-56739	15	6	noteworthy	noteworthy	ADJ
cjfa-56739	15	7	positive	positive	ADJ
cjfa-56739	15	8	association	association	NOUN
cjfa-56739	15	9	between	between	ADP
cjfa-56739	15	10	subjective	subjective	ADJ
cjfa-56739	15	11	norms	norm	NOUN
cjfa-56739	15	12	and	and	CCONJ
cjfa-56739	15	13	financial	financial	ADJ
cjfa-56739	15	14	inclusion	inclusion	NOUN
cjfa-56739	15	15	(	(	PUNCT
cjfa-56739	15	16	p	p	NOUN
cjfa-56739	15	17	-	-	PUNCT
cjfa-56739	15	18	value	value	NOUN
cjfa-56739	15	19	:	:	PUNCT
cjfa-56739	15	20	0.001	0.001	NUM
cjfa-56739	15	21	)	)	PUNCT
cjfa-56739	15	22	,	,	PUNCT
cjfa-56739	15	23	as	as	ADV
cjfa-56739	15	24	well	well	ADV
cjfa-56739	15	25	as	as	ADP
cjfa-56739	15	26	between	between	ADP
cjfa-56739	15	27	personal	personal	ADJ
cjfa-56739	15	28	experience	experience	NOUN
cjfa-56739	15	29	and	and	CCONJ
cjfa-56739	15	30	financial	financial	ADJ
cjfa-56739	15	31	inclusion	inclusion	NOUN
cjfa-56739	15	32	(	(	PUNCT
cjfa-56739	15	33	p	p	NOUN
cjfa-56739	15	34	-	-	PUNCT
cjfa-56739	15	35	value	value	NOUN
cjfa-56739	15	36	:	:	PUNCT
cjfa-56739	15	37	0.003	0.003	NUM
cjfa-56739	15	38	)	)	PUNCT
cjfa-56739	15	39	.	.	PUNCT
cjfa-56739	16	1	intriguingly	intriguingly	ADV
cjfa-56739	16	2	,	,	PUNCT
cjfa-56739	16	3	financial	financial	ADJ
cjfa-56739	16	4	self	self	NOUN
cjfa-56739	16	5	-	-	PUNCT
cjfa-56739	16	6	efficacy	efficacy	NOUN
cjfa-56739	16	7	emerged	emerge	VERB
cjfa-56739	16	8	as	as	ADP
cjfa-56739	16	9	a	a	DET
cjfa-56739	16	10	substantial	substantial	ADJ
cjfa-56739	16	11	obstacle	obstacle	NOUN
cjfa-56739	16	12	to	to	ADP
cjfa-56739	16	13	financial	financial	ADJ
cjfa-56739	16	14	inclusion	inclusion	NOUN
cjfa-56739	16	15	,	,	PUNCT
cjfa-56739	16	16	acting	act	VERB
cjfa-56739	16	17	as	as	ADP
cjfa-56739	16	18	a	a	DET
cjfa-56739	16	19	mediating	mediate	VERB
cjfa-56739	16	20	factor	factor	NOUN
cjfa-56739	16	21	with	with	ADP
cjfa-56739	16	22	a	a	DET
cjfa-56739	16	23	p	p	NOUN
cjfa-56739	16	24	-	-	PUNCT
cjfa-56739	16	25	value	value	NOUN
cjfa-56739	16	26	of	of	ADP
cjfa-56739	16	27	(	(	PUNCT
cjfa-56739	16	28	0.002	0.002	NUM
cjfa-56739	16	29	)	)	PUNCT
cjfa-56739	16	30	.	.	PUNCT
cjfa-56739	17	1	by	by	ADP
cjfa-56739	17	2	evaluating	evaluate	VERB
cjfa-56739	17	3	the	the	DET
cjfa-56739	17	4	mediation	mediation	NOUN
cjfa-56739	17	5	effect	effect	NOUN
cjfa-56739	17	6	,	,	PUNCT
cjfa-56739	17	7	this	this	DET
cjfa-56739	17	8	study	study	NOUN
cjfa-56739	17	9	shows	show	VERB
cjfa-56739	17	10	how	how	SCONJ
cjfa-56739	17	11	financial	financial	ADJ
cjfa-56739	17	12	self	self	NOUN
cjfa-56739	17	13	-	-	PUNCT
cjfa-56739	17	14	efficacy	efficacy	NOUN
cjfa-56739	17	15	enhance	enhance	NOUN
cjfa-56739	17	16	individuals	individual	NOUN
cjfa-56739	17	17	msmes	msme	NOUN
cjfa-56739	17	18	owners	owner	NOUN
cjfa-56739	17	19	to	to	PART
cjfa-56739	17	20	confidently	confidently	ADV
cjfa-56739	17	21	undertake	undertake	VERB
cjfa-56739	17	22	financial	financial	ADJ
cjfa-56739	17	23	tasks	task	NOUN
cjfa-56739	17	24	and	and	CCONJ
cjfa-56739	17	25	decisions	decision	NOUN
cjfa-56739	17	26	and	and	CCONJ
cjfa-56739	17	27	consequently	consequently	ADV
cjfa-56739	17	28	,	,	PUNCT
cjfa-56739	17	29	financial	financial	ADJ
cjfa-56739	17	30	inhttp://dx.doi.org/10.12775/cjfa.2024.006	inhttp://dx.doi.org/10.12775/cjfa.2024.006	NOUN
cjfa-56739	17	31	http://dx.doi.org/10.12775/cjfa.2024.006	http://dx.doi.org/10.12775/cjfa.2024.006	X
cjfa-56739	17	32	abdullahi	abdullahi	PRON
cjfa-56739	17	33	adio	adio	PROPN
cjfa-56739	17	34	babatunde3030	babatunde3030	PROPN
cjfa-56739	17	35	clusion	clusion	NOUN
cjfa-56739	17	36	in	in	ADP
cjfa-56739	17	37	relation	relation	NOUN
cjfa-56739	17	38	to	to	ADP
cjfa-56739	17	39	their	their	PRON
cjfa-56739	17	40	attitude	attitude	NOUN
cjfa-56739	17	41	,	,	PUNCT
cjfa-56739	17	42	experience	experience	NOUN
cjfa-56739	17	43	and	and	CCONJ
cjfa-56739	17	44	subjective	subjective	ADJ
cjfa-56739	17	45	norms	norm	NOUN
cjfa-56739	17	46	respectively	respectively	ADV
cjfa-56739	17	47	.	.	PUNCT
cjfa-56739	18	1	consequently	consequently	ADV
cjfa-56739	18	2	,	,	PUNCT
cjfa-56739	18	3	the	the	DET
cjfa-56739	18	4	study	study	NOUN
cjfa-56739	18	5	recommends	recommend	VERB
cjfa-56739	18	6	the	the	DET
cjfa-56739	18	7	promotion	promotion	NOUN
cjfa-56739	18	8	of	of	ADP
cjfa-56739	18	9	positive	positive	ADJ
cjfa-56739	18	10	financial	financial	ADJ
cjfa-56739	18	11	attitudes	attitude	NOUN
cjfa-56739	18	12	among	among	ADP
cjfa-56739	18	13	individual	individual	ADJ
cjfa-56739	18	14	msmes	msme	NOUN
cjfa-56739	18	15	to	to	PART
cjfa-56739	18	16	facilitate	facilitate	VERB
cjfa-56739	18	17	continuous	continuous	ADJ
cjfa-56739	18	18	access	access	NOUN
cjfa-56739	18	19	to	to	ADP
cjfa-56739	18	20	diverse	diverse	VERB
cjfa-56739	18	21	financial	financial	ADJ
cjfa-56739	18	22	services	service	NOUN
cjfa-56739	18	23	.	.	PUNCT
cjfa-56739	19	1	financial	financial	ADJ
cjfa-56739	19	2	service	service	NOUN
cjfa-56739	19	3	providers	provider	NOUN
cjfa-56739	19	4	should	should	AUX
cjfa-56739	19	5	prioritize	prioritize	VERB
cjfa-56739	19	6	the	the	DET
cjfa-56739	19	7	establishment	establishment	NOUN
cjfa-56739	19	8	of	of	ADP
cjfa-56739	19	9	an	an	DET
cjfa-56739	19	10	effective	effective	ADJ
cjfa-56739	19	11	and	and	CCONJ
cjfa-56739	19	12	sustainable	sustainable	ADJ
cjfa-56739	19	13	financial	financial	ADJ
cjfa-56739	19	14	system	system	NOUN
cjfa-56739	19	15	that	that	PRON
cjfa-56739	19	16	offers	offer	VERB
cjfa-56739	19	17	affordable	affordable	ADJ
cjfa-56739	19	18	services	service	NOUN
cjfa-56739	19	19	to	to	ADP
cjfa-56739	19	20	msmes	msme	NOUN
cjfa-56739	19	21	.	.	PUNCT
cjfa-56739	20	1	furthermore	furthermore	ADV
cjfa-56739	20	2	,	,	PUNCT
cjfa-56739	20	3	community	community	NOUN
cjfa-56739	20	4	leaders	leader	NOUN
cjfa-56739	20	5	are	be	AUX
cjfa-56739	20	6	encouraged	encourage	VERB
cjfa-56739	20	7	to	to	PART
cjfa-56739	20	8	play	play	VERB
cjfa-56739	20	9	a	a	DET
cjfa-56739	20	10	role	role	NOUN
cjfa-56739	20	11	in	in	ADP
cjfa-56739	20	12	motivating	motivate	VERB
cjfa-56739	20	13	their	their	PRON
cjfa-56739	20	14	members	member	NOUN
cjfa-56739	20	15	to	to	PART
cjfa-56739	20	16	actively	actively	ADV
cjfa-56739	20	17	engage	engage	VERB
cjfa-56739	20	18	in	in	ADP
cjfa-56739	20	19	the	the	DET
cjfa-56739	20	20	formal	formal	ADJ
cjfa-56739	20	21	financial	financial	ADJ
cjfa-56739	20	22	sector	sector	NOUN
cjfa-56739	20	23	.	.	PUNCT
cjfa-56739	20	24	 	 	SPACE
cjfa-56739	21	1	introduction	introduction	NOUN
cjfa-56739	21	2	 	 	SPACE
cjfa-56739	21	3	introduction	introduction	NOUN
cjfa-56739	21	4	financial	financial	ADJ
cjfa-56739	21	5	exclusion	exclusion	NOUN
cjfa-56739	21	6	presents	present	VERB
cjfa-56739	21	7	challenges	challenge	NOUN
cjfa-56739	21	8	for	for	ADP
cjfa-56739	21	9	individuals	individual	NOUN
cjfa-56739	21	10	and	and	CCONJ
cjfa-56739	21	11	businesses	business	NOUN
cjfa-56739	21	12	,	,	PUNCT
cjfa-56739	21	13	particularly	particularly	ADV
cjfa-56739	21	14	impacting	impact	VERB
cjfa-56739	21	15	impoverished	impoverished	ADJ
cjfa-56739	21	16	adults	adult	NOUN
cjfa-56739	21	17	,	,	PUNCT
cjfa-56739	21	18	women	woman	NOUN
cjfa-56739	21	19	,	,	PUNCT
cjfa-56739	21	20	and	and	CCONJ
cjfa-56739	21	21	micro	micro	NOUN
cjfa-56739	21	22	,	,	PUNCT
cjfa-56739	21	23	small	small	ADJ
cjfa-56739	21	24	,	,	PUNCT
cjfa-56739	21	25	and	and	CCONJ
cjfa-56739	21	26	medium	medium	ADJ
cjfa-56739	21	27	-	-	PUNCT
cjfa-56739	21	28	sized	sized	ADJ
cjfa-56739	21	29	enterprises	enterprise	NOUN
cjfa-56739	21	30	(	(	PUNCT
cjfa-56739	21	31	msmes	msme	NOUN
cjfa-56739	21	32	)	)	PUNCT
cjfa-56739	21	33	across	across	ADP
cjfa-56739	21	34	various	various	ADJ
cjfa-56739	21	35	developing	develop	VERB
cjfa-56739	21	36	nations	nation	NOUN
cjfa-56739	21	37	,	,	PUNCT
cjfa-56739	21	38	including	include	VERB
cjfa-56739	21	39	nigeria	nigeria	PROPN
cjfa-56739	21	40	(	(	PUNCT
cjfa-56739	21	41	roger	roger	PROPN
cjfa-56739	21	42	,	,	PUNCT
cjfa-56739	21	43	2011	2011	NUM
cjfa-56739	21	44	)	)	PUNCT
cjfa-56739	21	45	.	.	PUNCT
cjfa-56739	22	1	in	in	ADP
cjfa-56739	22	2	today	today	NOUN
cjfa-56739	22	3	’s	’s	PART
cjfa-56739	22	4	globalized	globalized	ADJ
cjfa-56739	22	5	environment	environment	NOUN
cjfa-56739	22	6	,	,	PUNCT
cjfa-56739	22	7	policymakers	policymaker	NOUN
cjfa-56739	22	8	,	,	PUNCT
cjfa-56739	22	9	economists	economist	NOUN
cjfa-56739	22	10	,	,	PUNCT
cjfa-56739	22	11	and	and	CCONJ
cjfa-56739	22	12	financial	financial	ADJ
cjfa-56739	22	13	analysts	analyst	NOUN
cjfa-56739	22	14	worldwide	worldwide	ADV
cjfa-56739	22	15	view	view	VERB
cjfa-56739	22	16	financial	financial	ADJ
cjfa-56739	22	17	inclusion	inclusion	NOUN
cjfa-56739	22	18	as	as	ADP
cjfa-56739	22	19	crucial	crucial	ADJ
cjfa-56739	22	20	for	for	ADP
cjfa-56739	22	21	economic	economic	ADJ
cjfa-56739	22	22	empowerment	empowerment	NOUN
cjfa-56739	22	23	,	,	PUNCT
cjfa-56739	22	24	poverty	poverty	NOUN
cjfa-56739	22	25	alleviation	alleviation	NOUN
cjfa-56739	22	26	,	,	PUNCT
cjfa-56739	22	27	and	and	CCONJ
cjfa-56739	22	28	the	the	DET
cjfa-56739	22	29	attainment	attainment	NOUN
cjfa-56739	22	30	of	of	ADP
cjfa-56739	22	31	sustainable	sustainable	ADJ
cjfa-56739	22	32	goals	goal	NOUN
cjfa-56739	22	33	sarma	sarma	PROPN
cjfa-56739	22	34	and	and	CCONJ
cjfa-56739	22	35	pais	pais	PROPN
cjfa-56739	22	36	(	(	PUNCT
cjfa-56739	22	37	2011	2011	NUM
cjfa-56739	22	38	)	)	PUNCT
cjfa-56739	22	39	.	.	PUNCT
cjfa-56739	23	1	the	the	DET
cjfa-56739	23	2	adoption	adoption	NOUN
cjfa-56739	23	3	of	of	ADP
cjfa-56739	23	4	improved	improved	ADJ
cjfa-56739	23	5	financial	financial	ADJ
cjfa-56739	23	6	services	service	NOUN
cjfa-56739	23	7	delivery	delivery	NOUN
cjfa-56739	23	8	systems	system	NOUN
cjfa-56739	23	9	encourages	encourage	VERB
cjfa-56739	23	10	institutions	institution	NOUN
cjfa-56739	23	11	to	to	PART
cjfa-56739	23	12	develop	develop	VERB
cjfa-56739	23	13	tailored	tailor	VERB
cjfa-56739	23	14	financial	financial	ADJ
cjfa-56739	23	15	products	product	NOUN
cjfa-56739	23	16	for	for	ADP
cjfa-56739	23	17	those	those	DET
cjfa-56739	23	18	lacking	lacking	ADJ
cjfa-56739	23	19	access	access	NOUN
cjfa-56739	23	20	.	.	PUNCT
cjfa-56739	24	1	achieving	achieve	VERB
cjfa-56739	24	2	the	the	DET
cjfa-56739	24	3	desired	desire	VERB
cjfa-56739	24	4	level	level	NOUN
cjfa-56739	24	5	of	of	ADP
cjfa-56739	24	6	financial	financial	ADJ
cjfa-56739	24	7	inclusion	inclusion	NOUN
cjfa-56739	24	8	requires	require	VERB
cjfa-56739	24	9	policymakers	policymaker	NOUN
cjfa-56739	24	10	to	to	PART
cjfa-56739	24	11	implement	implement	VERB
cjfa-56739	24	12	flexible	flexible	ADJ
cjfa-56739	24	13	financial	financial	ADJ
cjfa-56739	24	14	policies	policy	NOUN
cjfa-56739	24	15	and	and	CCONJ
cjfa-56739	24	16	lenient	lenient	ADJ
cjfa-56739	24	17	regulations	regulation	NOUN
cjfa-56739	24	18	(	(	PUNCT
cjfa-56739	24	19	naumenkova	naumenkova	PROPN
cjfa-56739	24	20	,	,	PUNCT
cjfa-56739	24	21	mishchenko	mishchenko	PROPN
cjfa-56739	24	22	&	&	CCONJ
cjfa-56739	24	23	dorofeiev	dorofeiev	PROPN
cjfa-56739	24	24	,	,	PUNCT
cjfa-56739	24	25	2019	2019	NUM
cjfa-56739	24	26	)	)	PUNCT
cjfa-56739	24	27	.	.	PUNCT
cjfa-56739	25	1	the	the	DET
cjfa-56739	25	2	growth	growth	NOUN
cjfa-56739	25	3	of	of	ADP
cjfa-56739	25	4	msmes	msme	NOUN
cjfa-56739	25	5	significantly	significantly	ADV
cjfa-56739	25	6	depends	depend	VERB
cjfa-56739	25	7	on	on	ADP
cjfa-56739	25	8	access	access	NOUN
cjfa-56739	25	9	to	to	ADP
cjfa-56739	25	10	financing	financing	NOUN
cjfa-56739	25	11	,	,	PUNCT
cjfa-56739	25	12	playing	play	VERB
cjfa-56739	25	13	a	a	DET
cjfa-56739	25	14	pivotal	pivotal	ADJ
cjfa-56739	25	15	role	role	NOUN
cjfa-56739	25	16	in	in	ADP
cjfa-56739	25	17	fostering	foster	VERB
cjfa-56739	25	18	financial	financial	ADJ
cjfa-56739	25	19	inclusion	inclusion	NOUN
cjfa-56739	25	20	(	(	PUNCT
cjfa-56739	25	21	ibor	ibor	NOUN
cjfa-56739	25	22	,	,	PUNCT
cjfa-56739	25	23	offiong	offiong	PROPN
cjfa-56739	25	24	&	&	CCONJ
cjfa-56739	25	25	mendie	mendie	PROPN
cjfa-56739	25	26	,	,	PUNCT
cjfa-56739	25	27	2017	2017	NUM
cjfa-56739	25	28	)	)	PUNCT
cjfa-56739	25	29	.	.	PUNCT
cjfa-56739	26	1	facilitating	facilitate	VERB
cjfa-56739	26	2	access	access	NOUN
cjfa-56739	26	3	to	to	ADP
cjfa-56739	26	4	financing	financing	NOUN
cjfa-56739	26	5	for	for	ADP
cjfa-56739	26	6	msmes	msme	NOUN
cjfa-56739	26	7	is	be	AUX
cjfa-56739	26	8	essential	essential	ADJ
cjfa-56739	26	9	for	for	ADP
cjfa-56739	26	10	enhancing	enhance	VERB
cjfa-56739	26	11	a	a	DET
cjfa-56739	26	12	nation	nation	NOUN
cjfa-56739	26	13	’s	’s	PART
cjfa-56739	26	14	economic	economic	ADJ
cjfa-56739	26	15	performance	performance	NOUN
cjfa-56739	26	16	and	and	CCONJ
cjfa-56739	26	17	productivity	productivity	NOUN
cjfa-56739	26	18	,	,	PUNCT
cjfa-56739	26	19	as	as	SCONJ
cjfa-56739	26	20	highlighted	highlight	VERB
cjfa-56739	26	21	by	by	ADP
cjfa-56739	26	22	the	the	DET
cjfa-56739	26	23	world	world	PROPN
cjfa-56739	26	24	bank	bank	PROPN
cjfa-56739	26	25	in	in	ADP
cjfa-56739	26	26	2014	2014	NUM
cjfa-56739	26	27	.	.	PUNCT
cjfa-56739	27	1	both	both	PRON
cjfa-56739	27	2	developed	develop	VERB
cjfa-56739	27	3	and	and	CCONJ
cjfa-56739	27	4	developing	develop	VERB
cjfa-56739	27	5	nations	nation	NOUN
cjfa-56739	27	6	recognize	recognize	VERB
cjfa-56739	27	7	msmes	msme	NOUN
cjfa-56739	27	8	as	as	ADP
cjfa-56739	27	9	key	key	ADJ
cjfa-56739	27	10	drivers	driver	NOUN
cjfa-56739	27	11	of	of	ADP
cjfa-56739	27	12	economic	economic	ADJ
cjfa-56739	27	13	growth	growth	NOUN
cjfa-56739	27	14	,	,	PUNCT
cjfa-56739	27	15	with	with	ADP
cjfa-56739	27	16	their	their	PRON
cjfa-56739	27	17	development	development	NOUN
cjfa-56739	27	18	holding	hold	VERB
cjfa-56739	27	19	particular	particular	ADJ
cjfa-56739	27	20	importance	importance	NOUN
cjfa-56739	27	21	for	for	ADP
cjfa-56739	27	22	nigeria	nigeria	PROPN
cjfa-56739	27	23	(	(	PUNCT
cjfa-56739	27	24	uzzi	uzzi	PROPN
cjfa-56739	27	25	,	,	PUNCT
cjfa-56739	27	26	1999	1999	NUM
cjfa-56739	27	27	)	)	PUNCT
cjfa-56739	27	28	.	.	PUNCT
cjfa-56739	28	1	despite	despite	SCONJ
cjfa-56739	28	2	the	the	DET
cjfa-56739	28	3	recognized	recognize	VERB
cjfa-56739	28	4	significance	significance	NOUN
cjfa-56739	28	5	of	of	ADP
cjfa-56739	28	6	achieving	achieve	VERB
cjfa-56739	28	7	financial	financial	ADJ
cjfa-56739	28	8	inclusion	inclusion	NOUN
cjfa-56739	28	9	in	in	ADP
cjfa-56739	28	10	nigeria	nigeria	PROPN
cjfa-56739	28	11	,	,	PUNCT
cjfa-56739	28	12	there	there	PRON
cjfa-56739	28	13	is	be	VERB
cjfa-56739	28	14	little	little	ADJ
cjfa-56739	28	15	studies	study	NOUN
cjfa-56739	28	16	in	in	ADP
cjfa-56739	28	17	area	area	NOUN
cjfa-56739	28	18	,	,	PUNCT
cjfa-56739	28	19	as	as	SCONJ
cjfa-56739	28	20	majority	majority	NOUN
cjfa-56739	28	21	of	of	ADP
cjfa-56739	28	22	the	the	DET
cjfa-56739	28	23	previous	previous	ADJ
cjfa-56739	28	24	studies	study	NOUN
cjfa-56739	28	25	emphasizes	emphasize	VERB
cjfa-56739	28	26	on	on	ADP
cjfa-56739	28	27	the	the	DET
cjfa-56739	28	28	supply	supply	NOUN
cjfa-56739	28	29	side	side	NOUN
cjfa-56739	28	30	factors	factor	NOUN
cjfa-56739	28	31	.	.	PUNCT
cjfa-56739	29	1	these	these	DET
cjfa-56739	29	2	studies	study	NOUN
cjfa-56739	29	3	includes	include	VERB
cjfa-56739	29	4	hannig	hannig	NOUN
cjfa-56739	29	5	and	and	CCONJ
cjfa-56739	29	6	jansen	jansen	PROPN
cjfa-56739	29	7	(	(	PUNCT
cjfa-56739	29	8	2010	2010	NUM
cjfa-56739	29	9	)	)	PUNCT
cjfa-56739	29	10	,	,	PUNCT
cjfa-56739	29	11	johnson	johnson	PROPN
cjfa-56739	29	12	and	and	CCONJ
cjfa-56739	29	13	nino	nino	PROPN
cjfa-56739	29	14	-	-	PUNCT
cjfa-56739	29	15	zarazua	zarazua	NOUN
cjfa-56739	29	16	(	(	PUNCT
cjfa-56739	29	17	2011	2011	NUM
cjfa-56739	29	18	)	)	PUNCT
cjfa-56739	29	19	,	,	PUNCT
cjfa-56739	29	20	kendall	kendall	PROPN
cjfa-56739	29	21	,	,	PUNCT
cjfa-56739	29	22	mylenko	mylenko	NOUN
cjfa-56739	29	23	and	and	CCONJ
cjfa-56739	29	24	ponce	ponce	NOUN
cjfa-56739	29	25	(	(	PUNCT
cjfa-56739	29	26	2010	2010	NUM
cjfa-56739	29	27	)	)	PUNCT
cjfa-56739	29	28	,	,	PUNCT
cjfa-56739	29	29	mpuga	mpuga	X
cjfa-56739	29	30	(	(	PUNCT
cjfa-56739	29	31	2010	2010	NUM
cjfa-56739	29	32	)	)	PUNCT
cjfa-56739	29	33	,	,	PUNCT
cjfa-56739	29	34	sarma	sarma	PROPN
cjfa-56739	29	35	and	and	CCONJ
cjfa-56739	29	36	pais	pais	PROPN
cjfa-56739	29	37	(	(	PUNCT
cjfa-56739	29	38	2011	2011	NUM
cjfa-56739	29	39	)	)	PUNCT
cjfa-56739	29	40	,	,	PUNCT
cjfa-56739	29	41	abdulmumin	abdulmumin	NOUN
cjfa-56739	29	42	,	,	PUNCT
cjfa-56739	29	43	etudaiye	etudaiye	NOUN
cjfa-56739	29	44	-	-	PUNCT
cjfa-56739	29	45	muhtar	muhtar	NOUN
cjfa-56739	29	46	,	,	PUNCT
cjfa-56739	29	47	jimoh	jimoh	ADJ
cjfa-56739	29	48	and	and	CCONJ
cjfa-56739	29	49	sakariyahu	sakariyahu	NOUN
cjfa-56739	29	50	(	(	PUNCT
cjfa-56739	29	51	2019	2019	NUM
cjfa-56739	29	52	)	)	PUNCT
cjfa-56739	29	53	,	,	PUNCT
cjfa-56739	29	54	oyelami	oyelami	NOUN
cjfa-56739	29	55	,	,	PUNCT
cjfa-56739	29	56	saibu	saibu	VERB
cjfa-56739	29	57	and	and	CCONJ
cjfa-56739	29	58	adekunle	adekunle	PROPN
cjfa-56739	29	59	(	(	PUNCT
cjfa-56739	29	60	2017	2017	NUM
cjfa-56739	29	61	)	)	PUNCT
cjfa-56739	29	62	.	.	PUNCT
cjfa-56739	30	1	these	these	DET
cjfa-56739	30	2	studies	study	NOUN
cjfa-56739	30	3	tend	tend	VERB
cjfa-56739	30	4	to	to	PART
cjfa-56739	30	5	neglect	neglect	VERB
cjfa-56739	30	6	factors	factor	NOUN
cjfa-56739	30	7	associated	associate	VERB
cjfa-56739	30	8	with	with	ADP
cjfa-56739	30	9	the	the	DET
cjfa-56739	30	10	demand	demand	NOUN
cjfa-56739	30	11	side	side	NOUN
cjfa-56739	30	12	,	,	PUNCT
cjfa-56739	30	13	such	such	ADJ
cjfa-56739	30	14	as	as	ADP
cjfa-56739	30	15	financial	financial	ADJ
cjfa-56739	30	16	attitude	attitude	NOUN
cjfa-56739	30	17	,	,	PUNCT
cjfa-56739	30	18	subjective	subjective	ADJ
cjfa-56739	30	19	norms	norm	NOUN
cjfa-56739	30	20	,	,	PUNCT
cjfa-56739	30	21	personal	personal	ADJ
cjfa-56739	30	22	experience	experience	NOUN
cjfa-56739	30	23	,	,	PUNCT
cjfa-56739	30	24	societal	societal	ADJ
cjfa-56739	30	25	connections	connection	NOUN
cjfa-56739	30	26	,	,	PUNCT
cjfa-56739	30	27	risk	risk	NOUN
cjfa-56739	30	28	tolerance	tolerance	NOUN
cjfa-56739	30	29	,	,	PUNCT
cjfa-56739	30	30	and	and	CCONJ
cjfa-56739	30	31	geographical	geographical	ADJ
cjfa-56739	30	32	location	location	NOUN
cjfa-56739	30	33	.	.	PUNCT
cjfa-56739	31	1	all	all	PRON
cjfa-56739	31	2	of	of	ADP
cjfa-56739	31	3	these	these	DET
cjfa-56739	31	4	factors	factor	NOUN
cjfa-56739	31	5	can	can	AUX
cjfa-56739	31	6	significantly	significantly	ADV
cjfa-56739	31	7	shape	shape	VERB
cjfa-56739	31	8	financial	financial	ADJ
cjfa-56739	31	9	selfefficacy	selfefficacy	NOUN
cjfa-56739	31	10	and	and	CCONJ
cjfa-56739	31	11	,	,	PUNCT
cjfa-56739	31	12	consequently	consequently	ADV
cjfa-56739	31	13	,	,	PUNCT
cjfa-56739	31	14	impact	impact	VERB
cjfa-56739	31	15	financial	financial	ADJ
cjfa-56739	31	16	inclusion	inclusion	NOUN
cjfa-56739	31	17	as	as	SCONJ
cjfa-56739	31	18	reported	report	VERB
cjfa-56739	31	19	by	by	ADP
cjfa-56739	31	20	oke	oke	NOUN
cjfa-56739	31	21	and	and	CCONJ
cjfa-56739	31	22	adamson	adamson	PROPN
cjfa-56739	31	23	(	(	PUNCT
cjfa-56739	31	24	2023	2023	NUM
cjfa-56739	31	25	)	)	PUNCT
cjfa-56739	31	26	,	,	PUNCT
cjfa-56739	31	27	yangdol	yangdol	NOUN
cjfa-56739	31	28	and	and	CCONJ
cjfa-56739	31	29	sarma	sarma	PROPN
cjfa-56739	31	30	(	(	PUNCT
cjfa-56739	31	31	2019	2019	NUM
cjfa-56739	31	32	)	)	PUNCT
cjfa-56739	31	33	,	,	PUNCT
cjfa-56739	31	34	jappelli	jappelli	PROPN
cjfa-56739	31	35	and	and	CCONJ
cjfa-56739	31	36	padula	padula	NOUN
cjfa-56739	31	37	(	(	PUNCT
cjfa-56739	31	38	2013	2013	NUM
cjfa-56739	31	39	)	)	PUNCT
cjfa-56739	31	40	,	,	PUNCT
cjfa-56739	31	41	san	san	PROPN
cjfa-56739	31	42	demand	demand	NOUN
cjfa-56739	31	43	side	side	NOUN
cjfa-56739	31	44	factors	factor	NOUN
cjfa-56739	31	45	and	and	CCONJ
cjfa-56739	31	46	financial	financial	ADJ
cjfa-56739	31	47	inclusion	inclusion	NOUN
cjfa-56739	31	48	…	…	PUNCT
cjfa-56739	31	49	3131	3131	NUM
cjfa-56739	31	50	ni	ni	PROPN
cjfa-56739	31	51	,	,	PUNCT
cjfa-56739	31	52	oke	oke	VERB
cjfa-56739	31	53	and	and	CCONJ
cjfa-56739	31	54	alayande	alayande	ADJ
cjfa-56739	31	55	(	(	PUNCT
cjfa-56739	31	56	2020	2020	NUM
cjfa-56739	31	57	)	)	PUNCT
cjfa-56739	31	58	,	,	PUNCT
cjfa-56739	31	59	orazi	orazi	PROPN
cjfa-56739	31	60	,	,	PUNCT
cjfa-56739	31	61	martinez	martinez	PROPN
cjfa-56739	31	62	and	and	CCONJ
cjfa-56739	31	63	vigier	vigier	NOUN
cjfa-56739	31	64	(	(	PUNCT
cjfa-56739	31	65	2023	2023	NUM
cjfa-56739	31	66	)	)	PUNCT
cjfa-56739	31	67	and	and	CCONJ
cjfa-56739	31	68	mose	mose	VERB
cjfa-56739	31	69	and	and	CCONJ
cjfa-56739	31	70	thomi	thomi	NOUN
cjfa-56739	31	71	(	(	PUNCT
cjfa-56739	31	72	2021	2021	NUM
cjfa-56739	31	73	)	)	PUNCT
cjfa-56739	31	74	.	.	PUNCT
cjfa-56739	32	1	the	the	DET
cjfa-56739	32	2	individual	individual	NOUN
cjfa-56739	32	3	’s	’s	PART
cjfa-56739	32	4	personal	personal	ADJ
cjfa-56739	32	5	experience	experience	NOUN
cjfa-56739	32	6	plays	play	VERB
cjfa-56739	32	7	a	a	DET
cjfa-56739	32	8	crucial	crucial	ADJ
cjfa-56739	32	9	role	role	NOUN
cjfa-56739	32	10	in	in	ADP
cjfa-56739	32	11	influencing	influence	VERB
cjfa-56739	32	12	financial	financial	ADJ
cjfa-56739	32	13	self	self	NOUN
cjfa-56739	32	14	-	-	PUNCT
cjfa-56739	32	15	efficacy	efficacy	NOUN
cjfa-56739	32	16	and	and	CCONJ
cjfa-56739	32	17	,	,	PUNCT
cjfa-56739	32	18	by	by	ADP
cjfa-56739	32	19	extension	extension	NOUN
cjfa-56739	32	20	,	,	PUNCT
cjfa-56739	32	21	financial	financial	ADJ
cjfa-56739	32	22	inclusion	inclusion	NOUN
cjfa-56739	32	23	.	.	PUNCT
cjfa-56739	33	1	for	for	ADP
cjfa-56739	33	2	instance	instance	NOUN
cjfa-56739	33	3	,	,	PUNCT
cjfa-56739	33	4	if	if	SCONJ
cjfa-56739	33	5	customers	customer	NOUN
cjfa-56739	33	6	find	find	VERB
cjfa-56739	33	7	cash	cash	NOUN
cjfa-56739	33	8	withdrawal	withdrawal	NOUN
cjfa-56739	33	9	transactions	transaction	NOUN
cjfa-56739	33	10	in	in	ADP
cjfa-56739	33	11	the	the	DET
cjfa-56739	33	12	bank	bank	NOUN
cjfa-56739	33	13	stressful	stressful	ADJ
cjfa-56739	33	14	,	,	PUNCT
cjfa-56739	33	15	they	they	PRON
cjfa-56739	33	16	may	may	AUX
cjfa-56739	33	17	be	be	AUX
cjfa-56739	33	18	disinclined	disinclined	ADJ
cjfa-56739	33	19	to	to	PART
cjfa-56739	33	20	adopt	adopt	VERB
cjfa-56739	33	21	formal	formal	ADJ
cjfa-56739	33	22	financial	financial	ADJ
cjfa-56739	33	23	services	service	NOUN
cjfa-56739	33	24	due	due	ADP
cjfa-56739	33	25	to	to	ADP
cjfa-56739	33	26	this	this	DET
cjfa-56739	33	27	unpleasant	unpleasant	ADJ
cjfa-56739	33	28	experience	experience	NOUN
cjfa-56739	33	29	.	.	PUNCT
cjfa-56739	34	1	addressing	address	VERB
cjfa-56739	34	2	or	or	CCONJ
cjfa-56739	34	3	resolving	resolve	VERB
cjfa-56739	34	4	these	these	DET
cjfa-56739	34	5	areas	area	NOUN
cjfa-56739	34	6	of	of	ADP
cjfa-56739	34	7	dissatisfaction	dissatisfaction	NOUN
cjfa-56739	34	8	could	could	AUX
cjfa-56739	34	9	potentially	potentially	ADV
cjfa-56739	34	10	enhance	enhance	VERB
cjfa-56739	34	11	financial	financial	ADJ
cjfa-56739	34	12	inclusion	inclusion	NOUN
cjfa-56739	34	13	in	in	ADP
cjfa-56739	34	14	the	the	DET
cjfa-56739	34	15	studied	study	VERB
cjfa-56739	34	16	areas	area	NOUN
cjfa-56739	34	17	.	.	PUNCT
cjfa-56739	35	1	in	in	ADP
cjfa-56739	35	2	addressing	address	VERB
cjfa-56739	35	3	this	this	DET
cjfa-56739	35	4	concern	concern	NOUN
cjfa-56739	35	5	,	,	PUNCT
cjfa-56739	35	6	the	the	DET
cjfa-56739	35	7	influence	influence	NOUN
cjfa-56739	35	8	of	of	ADP
cjfa-56739	35	9	financial	financial	ADJ
cjfa-56739	35	10	attitude	attitude	NOUN
cjfa-56739	35	11	on	on	ADP
cjfa-56739	35	12	financial	financial	ADJ
cjfa-56739	35	13	self	self	NOUN
cjfa-56739	35	14	-	-	PUNCT
cjfa-56739	35	15	efficacy	efficacy	NOUN
cjfa-56739	35	16	can	can	AUX
cjfa-56739	35	17	not	not	PART
cjfa-56739	35	18	be	be	AUX
cjfa-56739	35	19	overlooked	overlook	VERB
cjfa-56739	35	20	,	,	PUNCT
cjfa-56739	35	21	as	as	SCONJ
cjfa-56739	35	22	these	these	DET
cjfa-56739	35	23	factors	factor	NOUN
cjfa-56739	35	24	are	be	AUX
cjfa-56739	35	25	closely	closely	ADV
cjfa-56739	35	26	linked	link	VERB
cjfa-56739	35	27	to	to	ADP
cjfa-56739	35	28	motivations	motivation	NOUN
cjfa-56739	35	29	for	for	ADP
cjfa-56739	35	30	utilizing	utilize	VERB
cjfa-56739	35	31	financial	financial	ADJ
cjfa-56739	35	32	services	service	NOUN
cjfa-56739	35	33	.	.	PUNCT
cjfa-56739	36	1	when	when	SCONJ
cjfa-56739	36	2	individuals	individual	NOUN
cjfa-56739	36	3	have	have	VERB
cjfa-56739	36	4	interconnected	interconnected	ADJ
cjfa-56739	36	5	relations	relation	NOUN
cjfa-56739	36	6	,	,	PUNCT
cjfa-56739	36	7	they	they	PRON
cjfa-56739	36	8	are	be	AUX
cjfa-56739	36	9	more	more	ADV
cjfa-56739	36	10	likely	likely	ADJ
cjfa-56739	36	11	to	to	PART
cjfa-56739	36	12	adopt	adopt	VERB
cjfa-56739	36	13	and	and	CCONJ
cjfa-56739	36	14	reflect	reflect	VERB
cjfa-56739	36	15	the	the	DET
cjfa-56739	36	16	attitudes	attitude	NOUN
cjfa-56739	36	17	of	of	ADP
cjfa-56739	36	18	those	those	PRON
cjfa-56739	36	19	around	around	ADP
cjfa-56739	36	20	them	they	PRON
cjfa-56739	36	21	,	,	PUNCT
cjfa-56739	36	22	impacting	impact	VERB
cjfa-56739	36	23	financial	financial	ADJ
cjfa-56739	36	24	self	self	NOUN
cjfa-56739	36	25	-	-	PUNCT
cjfa-56739	36	26	efficacy	efficacy	NOUN
cjfa-56739	36	27	and	and	CCONJ
cjfa-56739	36	28	,	,	PUNCT
cjfa-56739	36	29	consequently	consequently	ADV
cjfa-56739	36	30	,	,	PUNCT
cjfa-56739	36	31	influencing	influence	VERB
cjfa-56739	36	32	financial	financial	ADJ
cjfa-56739	36	33	inclusion	inclusion	NOUN
cjfa-56739	36	34	.	.	PUNCT
cjfa-56739	37	1	the	the	DET
cjfa-56739	37	2	evaluation	evaluation	NOUN
cjfa-56739	37	3	of	of	ADP
cjfa-56739	37	4	behavior	behavior	NOUN
cjfa-56739	37	5	as	as	ADP
cjfa-56739	37	6	favorable	favorable	ADJ
cjfa-56739	37	7	for	for	ADP
cjfa-56739	37	8	achieving	achieve	VERB
cjfa-56739	37	9	anticipated	anticipate	VERB
cjfa-56739	37	10	outcomes	outcome	NOUN
cjfa-56739	37	11	leads	lead	VERB
cjfa-56739	37	12	individuals	individual	NOUN
cjfa-56739	37	13	to	to	PART
cjfa-56739	37	14	engage	engage	VERB
cjfa-56739	37	15	in	in	ADP
cjfa-56739	37	16	behaviors	behavior	NOUN
cjfa-56739	37	17	affecting	affect	VERB
cjfa-56739	37	18	their	their	PRON
cjfa-56739	37	19	access	access	NOUN
cjfa-56739	37	20	and	and	CCONJ
cjfa-56739	37	21	utilization	utilization	NOUN
cjfa-56739	37	22	of	of	ADP
cjfa-56739	37	23	financial	financial	ADJ
cjfa-56739	37	24	services	service	NOUN
cjfa-56739	37	25	,	,	PUNCT
cjfa-56739	37	26	contributing	contribute	VERB
cjfa-56739	37	27	to	to	ADP
cjfa-56739	37	28	financial	financial	ADJ
cjfa-56739	37	29	inclusion	inclusion	NOUN
cjfa-56739	37	30	.	.	PUNCT
cjfa-56739	38	1	furthermore	furthermore	ADV
cjfa-56739	38	2	,	,	PUNCT
cjfa-56739	38	3	the	the	DET
cjfa-56739	38	4	role	role	NOUN
cjfa-56739	38	5	of	of	ADP
cjfa-56739	38	6	subjective	subjective	ADJ
cjfa-56739	38	7	norms	norm	NOUN
cjfa-56739	38	8	in	in	ADP
cjfa-56739	38	9	shaping	shape	VERB
cjfa-56739	38	10	an	an	DET
cjfa-56739	38	11	individual	individual	NOUN
cjfa-56739	38	12	’s	’s	PART
cjfa-56739	38	13	financial	financial	ADJ
cjfa-56739	38	14	self	self	NOUN
cjfa-56739	38	15	-	-	PUNCT
cjfa-56739	38	16	efficacy	efficacy	NOUN
cjfa-56739	38	17	,	,	PUNCT
cjfa-56739	38	18	influenced	influence	VERB
cjfa-56739	38	19	by	by	ADP
cjfa-56739	38	20	cultural	cultural	ADJ
cjfa-56739	38	21	or	or	CCONJ
cjfa-56739	38	22	religious	religious	ADJ
cjfa-56739	38	23	values	value	NOUN
cjfa-56739	38	24	regarding	regard	VERB
cjfa-56739	38	25	the	the	DET
cjfa-56739	38	26	use	use	NOUN
cjfa-56739	38	27	of	of	ADP
cjfa-56739	38	28	specific	specific	ADJ
cjfa-56739	38	29	financial	financial	ADJ
cjfa-56739	38	30	services	service	NOUN
cjfa-56739	38	31	or	or	CCONJ
cjfa-56739	38	32	products	product	NOUN
cjfa-56739	38	33	,	,	PUNCT
cjfa-56739	38	34	is	be	AUX
cjfa-56739	38	35	a	a	DET
cjfa-56739	38	36	significant	significant	ADJ
cjfa-56739	38	37	factor	factor	NOUN
cjfa-56739	38	38	.	.	PUNCT
cjfa-56739	39	1	stulz	stulz	ADJ
cjfa-56739	39	2	and	and	CCONJ
cjfa-56739	39	3	williamson	williamson	PROPN
cjfa-56739	39	4	(	(	PUNCT
cjfa-56739	39	5	2003	2003	NUM
cjfa-56739	39	6	)	)	PUNCT
cjfa-56739	39	7	argue	argue	VERB
cjfa-56739	39	8	that	that	SCONJ
cjfa-56739	39	9	the	the	DET
cjfa-56739	39	10	influence	influence	NOUN
cjfa-56739	39	11	of	of	ADP
cjfa-56739	39	12	culture	culture	NOUN
cjfa-56739	39	13	,	,	PUNCT
cjfa-56739	39	14	values	value	NOUN
cjfa-56739	39	15	,	,	PUNCT
cjfa-56739	39	16	and	and	CCONJ
cjfa-56739	39	17	individual	individual	ADJ
cjfa-56739	39	18	beliefs	belief	NOUN
cjfa-56739	39	19	on	on	ADP
cjfa-56739	39	20	making	make	VERB
cjfa-56739	39	21	financial	financial	ADJ
cjfa-56739	39	22	choices	choice	NOUN
cjfa-56739	39	23	can	can	AUX
cjfa-56739	39	24	not	not	PART
cjfa-56739	39	25	be	be	AUX
cjfa-56739	39	26	disregarded	disregard	VERB
cjfa-56739	39	27	,	,	PUNCT
cjfa-56739	39	28	as	as	SCONJ
cjfa-56739	39	29	they	they	PRON
cjfa-56739	39	30	are	be	AUX
cjfa-56739	39	31	closely	closely	ADV
cjfa-56739	39	32	tied	tie	VERB
cjfa-56739	39	33	to	to	ADP
cjfa-56739	39	34	motivations	motivation	NOUN
cjfa-56739	39	35	for	for	ADP
cjfa-56739	39	36	using	use	VERB
cjfa-56739	39	37	financial	financial	ADJ
cjfa-56739	39	38	services	service	NOUN
cjfa-56739	39	39	.	.	PUNCT
cjfa-56739	40	1	empirical	empirical	ADJ
cjfa-56739	40	2	evidence	evidence	NOUN
cjfa-56739	40	3	such	such	ADJ
cjfa-56739	40	4	as	as	ADP
cjfa-56739	40	5	(	(	PUNCT
cjfa-56739	40	6	amatucci	amatucci	PROPN
cjfa-56739	40	7	&	&	CCONJ
cjfa-56739	40	8	crawley	crawley	PROPN
cjfa-56739	40	9	,	,	PUNCT
cjfa-56739	40	10	2011	2011	NUM
cjfa-56739	40	11	;	;	PUNCT
cjfa-56739	40	12	nguyen	nguyen	NOUN
cjfa-56739	40	13	,	,	PUNCT
cjfa-56739	40	14	2019	2019	NUM
cjfa-56739	40	15	;	;	PUNCT
cjfa-56739	40	16	engelberg	engelberg	PROPN
cjfa-56739	40	17	&	&	CCONJ
cjfa-56739	40	18	sjöberg	sjöberg	PROPN
cjfa-56739	40	19	,	,	PUNCT
cjfa-56739	40	20	2004	2004	NUM
cjfa-56739	40	21	)	)	PUNCT
cjfa-56739	40	22	shows	show	VERB
cjfa-56739	40	23	that	that	SCONJ
cjfa-56739	40	24	one	one	NUM
cjfa-56739	40	25	of	of	ADP
cjfa-56739	40	26	the	the	DET
cjfa-56739	40	27	major	major	ADJ
cjfa-56739	40	28	factors	factor	NOUN
cjfa-56739	40	29	that	that	PRON
cjfa-56739	40	30	influences	influence	VERB
cjfa-56739	40	31	financial	financial	ADJ
cjfa-56739	40	32	inclusion	inclusion	NOUN
cjfa-56739	40	33	is	be	AUX
cjfa-56739	40	34	financial	financial	ADJ
cjfa-56739	40	35	self	self	NOUN
cjfa-56739	40	36	-	-	PUNCT
cjfa-56739	40	37	efficacy	efficacy	NOUN
cjfa-56739	40	38	which	which	PRON
cjfa-56739	40	39	is	be	AUX
cjfa-56739	40	40	described	describe	VERB
cjfa-56739	40	41	as	as	ADP
cjfa-56739	40	42	the	the	DET
cjfa-56739	40	43	level	level	NOUN
cjfa-56739	40	44	of	of	ADP
cjfa-56739	40	45	confidence	confidence	NOUN
cjfa-56739	40	46	in	in	ADP
cjfa-56739	40	47	one	one	NUM
cjfa-56739	40	48	’s	’s	PART
cjfa-56739	40	49	ability	ability	NOUN
cjfa-56739	40	50	to	to	PART
cjfa-56739	40	51	deal	deal	VERB
cjfa-56739	40	52	with	with	ADP
cjfa-56739	40	53	a	a	DET
cjfa-56739	40	54	financial	financial	ADJ
cjfa-56739	40	55	situation	situation	NOUN
cjfa-56739	40	56	without	without	ADP
cjfa-56739	40	57	being	be	AUX
cjfa-56739	40	58	overwhelmed	overwhelm	VERB
cjfa-56739	40	59	.	.	PUNCT
cjfa-56739	41	1	similarly	similarly	ADV
cjfa-56739	41	2	,	,	PUNCT
cjfa-56739	41	3	danes	dane	NOUN
cjfa-56739	41	4	and	and	CCONJ
cjfa-56739	41	5	haberman	haberman	NOUN
cjfa-56739	41	6	(	(	PUNCT
cjfa-56739	41	7	2007	2007	NUM
cjfa-56739	41	8	)	)	PUNCT
cjfa-56739	41	9	also	also	ADV
cjfa-56739	41	10	reported	report	VERB
cjfa-56739	41	11	that	that	SCONJ
cjfa-56739	41	12	financial	financial	ADJ
cjfa-56739	41	13	self	self	NOUN
cjfa-56739	41	14	-	-	PUNCT
cjfa-56739	41	15	efficacy	efficacy	NOUN
cjfa-56739	41	16	among	among	ADP
cjfa-56739	41	17	others	other	NOUN
cjfa-56739	41	18	significantly	significantly	ADV
cjfa-56739	41	19	influenced	influence	VERB
cjfa-56739	41	20	financial	financial	ADJ
cjfa-56739	41	21	inclusion	inclusion	NOUN
cjfa-56739	41	22	especially	especially	ADV
cjfa-56739	41	23	when	when	SCONJ
cjfa-56739	41	24	individual	individual	ADJ
cjfa-56739	41	25	msmes	msme	NOUN
cjfa-56739	41	26	owners	owner	NOUN
cjfa-56739	41	27	have	have	VERB
cjfa-56739	41	28	financial	financial	ADJ
cjfa-56739	41	29	knowledge	knowledge	NOUN
cjfa-56739	41	30	.	.	PUNCT
cjfa-56739	42	1	in	in	ADP
cjfa-56739	42	2	the	the	DET
cjfa-56739	42	3	same	same	ADJ
cjfa-56739	42	4	vein	vein	NOUN
cjfa-56739	42	5	,	,	PUNCT
cjfa-56739	42	6	barnir	barnir	PROPN
cjfa-56739	42	7	,	,	PUNCT
cjfa-56739	42	8	watson	watson	PROPN
cjfa-56739	42	9	and	and	CCONJ
cjfa-56739	42	10	hutchins	hutchins	PROPN
cjfa-56739	42	11	(	(	PUNCT
cjfa-56739	42	12	2011	2011	NUM
cjfa-56739	42	13	)	)	PUNCT
cjfa-56739	42	14	also	also	ADV
cjfa-56739	42	15	found	find	VERB
cjfa-56739	42	16	that	that	SCONJ
cjfa-56739	42	17	financial	financial	ADJ
cjfa-56739	42	18	self	self	NOUN
cjfa-56739	42	19	-	-	PUNCT
cjfa-56739	42	20	efficacy	efficacy	NOUN
cjfa-56739	42	21	significantly	significantly	ADV
cjfa-56739	42	22	improves	improve	VERB
cjfa-56739	42	23	the	the	DET
cjfa-56739	42	24	ability	ability	NOUN
cjfa-56739	42	25	of	of	ADP
cjfa-56739	42	26	an	an	DET
cjfa-56739	42	27	individual	individual	ADJ
cjfa-56739	42	28	msmes	msme	NOUN
cjfa-56739	42	29	owners	owner	NOUN
cjfa-56739	42	30	to	to	PART
cjfa-56739	42	31	use	use	VERB
cjfa-56739	42	32	formal	formal	ADJ
cjfa-56739	42	33	financial	financial	ADJ
cjfa-56739	42	34	services	service	NOUN
cjfa-56739	42	35	.	.	PUNCT
cjfa-56739	43	1	he	he	PRON
cjfa-56739	43	2	also	also	ADV
cjfa-56739	43	3	discovered	discover	VERB
cjfa-56739	43	4	that	that	SCONJ
cjfa-56739	43	5	,	,	PUNCT
cjfa-56739	43	6	among	among	ADP
cjfa-56739	43	7	various	various	ADJ
cjfa-56739	43	8	psychological	psychological	ADJ
cjfa-56739	43	9	factors	factor	NOUN
cjfa-56739	43	10	,	,	PUNCT
cjfa-56739	43	11	financial	financial	ADJ
cjfa-56739	43	12	self	self	NOUN
cjfa-56739	43	13	-	-	PUNCT
cjfa-56739	43	14	efficacy	efficacy	NOUN
cjfa-56739	43	15	was	be	AUX
cjfa-56739	43	16	a	a	DET
cjfa-56739	43	17	key	key	ADJ
cjfa-56739	43	18	predictor	predictor	NOUN
cjfa-56739	43	19	of	of	ADP
cjfa-56739	43	20	the	the	DET
cjfa-56739	43	21	likelihood	likelihood	NOUN
cjfa-56739	43	22	of	of	ADP
cjfa-56739	43	23	facing	face	VERB
cjfa-56739	43	24	financial	financial	ADJ
cjfa-56739	43	25	inclusion	inclusion	NOUN
cjfa-56739	43	26	issues	issue	NOUN
cjfa-56739	43	27	.	.	PUNCT
cjfa-56739	44	1	considering	consider	VERB
cjfa-56739	44	2	the	the	DET
cjfa-56739	44	3	factors	factor	NOUN
cjfa-56739	44	4	discussed	discuss	VERB
cjfa-56739	44	5	above	above	ADV
cjfa-56739	44	6	,	,	PUNCT
cjfa-56739	44	7	the	the	DET
cjfa-56739	44	8	study	study	NOUN
cjfa-56739	44	9	aims	aim	VERB
cjfa-56739	44	10	to	to	PART
cjfa-56739	44	11	explore	explore	VERB
cjfa-56739	44	12	the	the	DET
cjfa-56739	44	13	impact	impact	NOUN
cjfa-56739	44	14	of	of	ADP
cjfa-56739	44	15	demand	demand	NOUN
cjfa-56739	44	16	-	-	PUNCT
cjfa-56739	44	17	side	side	NOUN
cjfa-56739	44	18	factors	factor	NOUN
cjfa-56739	44	19	on	on	ADP
cjfa-56739	44	20	financial	financial	ADJ
cjfa-56739	44	21	inclusion	inclusion	NOUN
cjfa-56739	44	22	through	through	ADP
cjfa-56739	44	23	the	the	DET
cjfa-56739	44	24	mediating	mediate	VERB
cjfa-56739	44	25	effect	effect	NOUN
cjfa-56739	44	26	of	of	ADP
cjfa-56739	44	27	financial	financial	ADJ
cjfa-56739	44	28	self	self	NOUN
cjfa-56739	44	29	-	-	PUNCT
cjfa-56739	44	30	efficacy	efficacy	NOUN
cjfa-56739	44	31	among	among	ADP
cjfa-56739	44	32	msmes	msme	NOUN
cjfa-56739	44	33	in	in	ADP
cjfa-56739	44	34	oyo	oyo	NOUN
cjfa-56739	44	35	state	state	NOUN
cjfa-56739	44	36	,	,	PUNCT
cjfa-56739	44	37	nigeria	nigeria	PROPN
cjfa-56739	44	38	.	.	PUNCT
cjfa-56739	45	1	abdullahi	abdullahi	PROPN
cjfa-56739	45	2	adio	adio	PROPN
cjfa-56739	45	3	babatunde3232	babatunde3232	PROPN
cjfa-56739	45	4	existing	exist	VERB
cjfa-56739	45	5	literature	literature	NOUN
cjfa-56739	45	6	has	have	AUX
cjfa-56739	45	7	explored	explore	VERB
cjfa-56739	45	8	the	the	DET
cjfa-56739	45	9	application	application	NOUN
cjfa-56739	45	10	of	of	ADP
cjfa-56739	45	11	the	the	DET
cjfa-56739	45	12	financial	financial	ADJ
cjfa-56739	45	13	attitude	attitude	NOUN
cjfa-56739	45	14	construct	construct	VERB
cjfa-56739	45	15	in	in	ADP
cjfa-56739	45	16	the	the	DET
cjfa-56739	45	17	context	context	NOUN
cjfa-56739	45	18	of	of	ADP
cjfa-56739	45	19	financial	financial	ADJ
cjfa-56739	45	20	inclusion	inclusion	NOUN
cjfa-56739	45	21	razak	razak	NOUN
cjfa-56739	45	22	and	and	CCONJ
cjfa-56739	45	23	mohamed	mohamed	PROPN
cjfa-56739	45	24	(	(	PUNCT
cjfa-56739	45	25	2024	2024	NUM
cjfa-56739	45	26	)	)	PUNCT
cjfa-56739	45	27	used	use	VERB
cjfa-56739	45	28	a	a	DET
cjfa-56739	45	29	questionnaire	questionnaire	NOUN
cjfa-56739	45	30	collected	collect	VERB
cjfa-56739	45	31	from	from	ADP
cjfa-56739	45	32	200	200	NUM
cjfa-56739	45	33	participants	participant	NOUN
cjfa-56739	45	34	and	and	CCONJ
cjfa-56739	45	35	analyzed	analyze	VERB
cjfa-56739	45	36	using	use	VERB
cjfa-56739	45	37	smartpls	smartpls	NOUN
cjfa-56739	45	38	to	to	PART
cjfa-56739	45	39	investigate	investigate	VERB
cjfa-56739	45	40	how	how	SCONJ
cjfa-56739	45	41	financial	financial	ADJ
cjfa-56739	45	42	behavior	behavior	NOUN
cjfa-56739	45	43	,	,	PUNCT
cjfa-56739	45	44	financial	financial	ADJ
cjfa-56739	45	45	attitude	attitude	NOUN
cjfa-56739	45	46	,	,	PUNCT
cjfa-56739	45	47	and	and	CCONJ
cjfa-56739	45	48	financial	financial	ADJ
cjfa-56739	45	49	literacy	literacy	NOUN
cjfa-56739	45	50	affect	affect	VERB
cjfa-56739	45	51	financial	financial	ADJ
cjfa-56739	45	52	inclusion	inclusion	NOUN
cjfa-56739	45	53	in	in	ADP
cjfa-56739	45	54	somalia	somalia	PROPN
cjfa-56739	45	55	.	.	PUNCT
cjfa-56739	46	1	the	the	DET
cjfa-56739	46	2	study	study	NOUN
cjfa-56739	46	3	found	find	VERB
cjfa-56739	46	4	that	that	SCONJ
cjfa-56739	46	5	the	the	DET
cjfa-56739	46	6	extent	extent	NOUN
cjfa-56739	46	7	to	to	PART
cjfa-56739	46	8	which	which	PRON
cjfa-56739	46	9	individuals	individual	NOUN
cjfa-56739	46	10	use	use	VERB
cjfa-56739	46	11	financial	financial	ADJ
cjfa-56739	46	12	services	service	NOUN
cjfa-56739	46	13	provided	provide	VERB
cjfa-56739	46	14	by	by	ADP
cjfa-56739	46	15	somali	somali	ADJ
cjfa-56739	46	16	banks	bank	NOUN
cjfa-56739	46	17	is	be	AUX
cjfa-56739	46	18	influenced	influence	VERB
cjfa-56739	46	19	by	by	ADP
cjfa-56739	46	20	their	their	PRON
cjfa-56739	46	21	financial	financial	ADJ
cjfa-56739	46	22	literacy	literacy	NOUN
cjfa-56739	46	23	,	,	PUNCT
cjfa-56739	46	24	attitudes	attitude	NOUN
cjfa-56739	46	25	,	,	PUNCT
cjfa-56739	46	26	and	and	CCONJ
cjfa-56739	46	27	saving	saving	NOUN
cjfa-56739	46	28	habits	habit	NOUN
cjfa-56739	46	29	.	.	PUNCT
cjfa-56739	47	1	financial	financial	ADJ
cjfa-56739	47	2	inclusion	inclusion	NOUN
cjfa-56739	47	3	seeks	seek	VERB
cjfa-56739	47	4	to	to	PART
cjfa-56739	47	5	ensure	ensure	VERB
cjfa-56739	47	6	fair	fair	ADJ
cjfa-56739	47	7	and	and	CCONJ
cjfa-56739	47	8	unrestricted	unrestricted	ADJ
cjfa-56739	47	9	access	access	NOUN
cjfa-56739	47	10	to	to	ADP
cjfa-56739	47	11	banking	banking	NOUN
cjfa-56739	47	12	services	service	NOUN
cjfa-56739	47	13	,	,	PUNCT
cjfa-56739	47	14	with	with	ADP
cjfa-56739	47	15	a	a	DET
cjfa-56739	47	16	particular	particular	ADJ
cjfa-56739	47	17	focus	focus	NOUN
cjfa-56739	47	18	on	on	ADP
cjfa-56739	47	19	providing	provide	VERB
cjfa-56739	47	20	equal	equal	ADJ
cjfa-56739	47	21	opportunities	opportunity	NOUN
cjfa-56739	47	22	for	for	ADP
cjfa-56739	47	23	those	those	PRON
cjfa-56739	47	24	facing	face	VERB
cjfa-56739	47	25	economic	economic	ADJ
cjfa-56739	47	26	difficulties	difficulty	NOUN
cjfa-56739	47	27	,	,	PUNCT
cjfa-56739	47	28	women	woman	NOUN
cjfa-56739	47	29	,	,	PUNCT
cjfa-56739	47	30	and	and	CCONJ
cjfa-56739	47	31	people	people	NOUN
cjfa-56739	47	32	with	with	ADP
cjfa-56739	47	33	disabilities	disability	NOUN
cjfa-56739	47	34	.	.	PUNCT
cjfa-56739	48	1	fatoki	fatoki	NOUN
cjfa-56739	48	2	and	and	CCONJ
cjfa-56739	48	3	asah	asah	PROPN
cjfa-56739	48	4	(	(	PUNCT
cjfa-56739	48	5	2011	2011	NUM
cjfa-56739	48	6	)	)	PUNCT
cjfa-56739	48	7	utilized	utilize	VERB
cjfa-56739	48	8	pearson	pearson	NOUN
cjfa-56739	48	9	correlation	correlation	NOUN
cjfa-56739	48	10	and	and	CCONJ
cjfa-56739	48	11	logistic	logistic	ADJ
cjfa-56739	48	12	regression	regression	NOUN
cjfa-56739	48	13	to	to	PART
cjfa-56739	48	14	examine	examine	VERB
cjfa-56739	48	15	how	how	SCONJ
cjfa-56739	48	16	firm	firm	ADJ
cjfa-56739	48	17	and	and	CCONJ
cjfa-56739	48	18	entrepreneurial	entrepreneurial	ADJ
cjfa-56739	48	19	characteristics	characteristic	NOUN
cjfa-56739	48	20	affect	affect	VERB
cjfa-56739	48	21	access	access	NOUN
cjfa-56739	48	22	to	to	ADP
cjfa-56739	48	23	debt	debt	NOUN
cjfa-56739	48	24	financing	financing	NOUN
cjfa-56739	48	25	for	for	ADP
cjfa-56739	48	26	smes	sme	NOUN
cjfa-56739	48	27	in	in	ADP
cjfa-56739	48	28	south	south	PROPN
cjfa-56739	48	29	africa	africa	PROPN
cjfa-56739	48	30	.	.	PUNCT
cjfa-56739	49	1	their	their	PRON
cjfa-56739	49	2	findings	finding	NOUN
cjfa-56739	49	3	reveal	reveal	VERB
cjfa-56739	49	4	that	that	SCONJ
cjfa-56739	49	5	these	these	DET
cjfa-56739	49	6	characteristics	characteristic	NOUN
cjfa-56739	49	7	significantly	significantly	ADV
cjfa-56739	49	8	influence	influence	VERB
cjfa-56739	49	9	the	the	DET
cjfa-56739	49	10	ability	ability	NOUN
cjfa-56739	49	11	of	of	ADP
cjfa-56739	49	12	smes	sme	NOUN
cjfa-56739	49	13	to	to	PART
cjfa-56739	49	14	obtain	obtain	VERB
cjfa-56739	49	15	debt	debt	NOUN
cjfa-56739	49	16	financing	financing	NOUN
cjfa-56739	49	17	.	.	PUNCT
cjfa-56739	50	1	consistent	consistent	ADJ
cjfa-56739	50	2	with	with	ADP
cjfa-56739	50	3	these	these	DET
cjfa-56739	50	4	findings	finding	NOUN
cjfa-56739	50	5	,	,	PUNCT
cjfa-56739	50	6	joo	joo	PROPN
cjfa-56739	50	7	and	and	CCONJ
cjfa-56739	50	8	grable	grable	PROPN
cjfa-56739	50	9	(	(	PUNCT
cjfa-56739	50	10	2004	2004	NUM
cjfa-56739	50	11	)	)	PUNCT
cjfa-56739	50	12	found	find	VERB
cjfa-56739	50	13	that	that	SCONJ
cjfa-56739	50	14	financial	financial	ADJ
cjfa-56739	50	15	satisfaction	satisfaction	NOUN
cjfa-56739	50	16	is	be	AUX
cjfa-56739	50	17	both	both	PRON
cjfa-56739	50	18	directly	directly	ADV
cjfa-56739	50	19	and	and	CCONJ
cjfa-56739	50	20	indirectly	indirectly	ADV
cjfa-56739	50	21	linked	link	VERB
cjfa-56739	50	22	to	to	ADP
cjfa-56739	50	23	various	various	ADJ
cjfa-56739	50	24	factors	factor	NOUN
cjfa-56739	50	25	such	such	ADJ
cjfa-56739	50	26	as	as	ADP
cjfa-56739	50	27	financial	financial	ADJ
cjfa-56739	50	28	behaviors	behavior	NOUN
cjfa-56739	50	29	,	,	PUNCT
cjfa-56739	50	30	levels	level	NOUN
cjfa-56739	50	31	of	of	ADP
cjfa-56739	50	32	financial	financial	ADJ
cjfa-56739	50	33	stress	stress	NOUN
cjfa-56739	50	34	,	,	PUNCT
cjfa-56739	50	35	income	income	NOUN
cjfa-56739	50	36	,	,	PUNCT
cjfa-56739	50	37	financial	financial	ADJ
cjfa-56739	50	38	knowledge	knowledge	NOUN
cjfa-56739	50	39	,	,	PUNCT
cjfa-56739	50	40	financial	financial	ADJ
cjfa-56739	50	41	solvency	solvency	NOUN
cjfa-56739	50	42	,	,	PUNCT
cjfa-56739	50	43	risk	risk	NOUN
cjfa-56739	50	44	tolerance	tolerance	NOUN
cjfa-56739	50	45	,	,	PUNCT
cjfa-56739	50	46	and	and	CCONJ
cjfa-56739	50	47	education	education	NOUN
cjfa-56739	50	48	.	.	PUNCT
cjfa-56739	51	1	their	their	PRON
cjfa-56739	51	2	findings	finding	NOUN
cjfa-56739	51	3	advocate	advocate	VERB
cjfa-56739	51	4	for	for	ADP
cjfa-56739	51	5	the	the	DET
cjfa-56739	51	6	continued	continue	VERB
cjfa-56739	51	7	and	and	CCONJ
cjfa-56739	51	8	expanded	expand	VERB
cjfa-56739	51	9	use	use	NOUN
cjfa-56739	51	10	of	of	ADP
cjfa-56739	51	11	targeted	target	VERB
cjfa-56739	51	12	educational	educational	ADJ
cjfa-56739	51	13	initiatives	initiative	NOUN
cjfa-56739	51	14	aimed	aim	VERB
cjfa-56739	51	15	at	at	ADP
cjfa-56739	51	16	enhancing	enhance	VERB
cjfa-56739	51	17	the	the	DET
cjfa-56739	51	18	financial	financial	ADJ
cjfa-56739	51	19	literacy	literacy	NOUN
cjfa-56739	51	20	and	and	CCONJ
cjfa-56739	51	21	behaviors	behavior	NOUN
cjfa-56739	51	22	of	of	ADP
cjfa-56739	51	23	those	those	PRON
cjfa-56739	51	24	involved	involve	VERB
cjfa-56739	51	25	in	in	ADP
cjfa-56739	51	26	family	family	NOUN
cjfa-56739	51	27	and	and	CCONJ
cjfa-56739	51	28	consumer	consumer	NOUN
cjfa-56739	51	29	economics	economic	NOUN
cjfa-56739	51	30	.	.	PUNCT
cjfa-56739	52	1	sarma	sarma	PROPN
cjfa-56739	52	2	(	(	PUNCT
cjfa-56739	52	3	2008	2008	NUM
cjfa-56739	52	4	)	)	PUNCT
cjfa-56739	52	5	argued	argue	VERB
cjfa-56739	52	6	that	that	SCONJ
cjfa-56739	52	7	individuals	individual	NOUN
cjfa-56739	52	8	with	with	ADP
cjfa-56739	52	9	positive	positive	ADJ
cjfa-56739	52	10	financial	financial	ADJ
cjfa-56739	52	11	attitudes	attitude	NOUN
cjfa-56739	52	12	experience	experience	NOUN
cjfa-56739	52	13	higher	high	ADJ
cjfa-56739	52	14	levels	level	NOUN
cjfa-56739	52	15	of	of	ADP
cjfa-56739	52	16	financial	financial	ADJ
cjfa-56739	52	17	contentment	contentment	NOUN
cjfa-56739	52	18	in	in	ADP
cjfa-56739	52	19	nigeria	nigeria	PROPN
cjfa-56739	52	20	.	.	PUNCT
cjfa-56739	53	1	similarly	similarly	ADV
cjfa-56739	53	2	,	,	PUNCT
cjfa-56739	53	3	chen	chen	PROPN
cjfa-56739	53	4	,	,	PUNCT
cjfa-56739	53	5	dowling	dowle	VERB
cjfa-56739	53	6	and	and	CCONJ
cjfa-56739	53	7	yap	yap	NOUN
cjfa-56739	53	8	(	(	PUNCT
cjfa-56739	53	9	2012	2012	NUM
cjfa-56739	53	10	)	)	PUNCT
cjfa-56739	53	11	found	find	VERB
cjfa-56739	53	12	that	that	SCONJ
cjfa-56739	53	13	gambling	gambling	NOUN
cjfa-56739	53	14	frequency	frequency	NOUN
cjfa-56739	53	15	did	do	AUX
cjfa-56739	53	16	not	not	PART
cjfa-56739	53	17	show	show	VERB
cjfa-56739	53	18	a	a	DET
cjfa-56739	53	19	significant	significant	ADJ
cjfa-56739	53	20	relationship	relationship	NOUN
cjfa-56739	53	21	with	with	ADP
cjfa-56739	53	22	financial	financial	ADJ
cjfa-56739	53	23	management	management	NOUN
cjfa-56739	53	24	,	,	PUNCT
cjfa-56739	53	25	financial	financial	ADJ
cjfa-56739	53	26	attitude	attitude	NOUN
cjfa-56739	53	27	,	,	PUNCT
cjfa-56739	53	28	or	or	CCONJ
cjfa-56739	53	29	money	money	NOUN
cjfa-56739	53	30	attitude	attitude	NOUN
cjfa-56739	53	31	variables	variable	NOUN
cjfa-56739	53	32	.	.	PUNCT
cjfa-56739	54	1	however	however	ADV
cjfa-56739	54	2	,	,	PUNCT
cjfa-56739	54	3	the	the	DET
cjfa-56739	54	4	severity	severity	NOUN
cjfa-56739	54	5	of	of	ADP
cjfa-56739	54	6	problem	problem	NOUN
cjfa-56739	54	7	gambling	gambling	NOUN
cjfa-56739	54	8	was	be	AUX
cjfa-56739	54	9	positively	positively	ADV
cjfa-56739	54	10	associated	associate	VERB
cjfa-56739	54	11	with	with	ADP
cjfa-56739	54	12	financial	financial	ADJ
cjfa-56739	54	13	management	management	NOUN
cjfa-56739	54	14	attitudes	attitude	NOUN
cjfa-56739	54	15	and	and	CCONJ
cjfa-56739	54	16	obsession	obsession	NOUN
cjfa-56739	54	17	,	,	PUNCT
cjfa-56739	54	18	and	and	CCONJ
cjfa-56739	54	19	negatively	negatively	ADV
cjfa-56739	54	20	associated	associate	VERB
cjfa-56739	54	21	with	with	ADP
cjfa-56739	54	22	budgeting	budgeting	NOUN
cjfa-56739	54	23	.	.	PUNCT
cjfa-56739	55	1	after	after	ADP
cjfa-56739	55	2	accounting	account	VERB
cjfa-56739	55	3	for	for	ADP
cjfa-56739	55	4	demographic	demographic	ADJ
cjfa-56739	55	5	and	and	CCONJ
cjfa-56739	55	6	socio	socio	NOUN
cjfa-56739	55	7	-	-	PUNCT
cjfa-56739	55	8	economic	economic	ADJ
cjfa-56739	55	9	factors	factor	NOUN
cjfa-56739	55	10	,	,	PUNCT
cjfa-56739	55	11	the	the	DET
cjfa-56739	55	12	correlation	correlation	NOUN
cjfa-56739	55	13	between	between	ADP
cjfa-56739	55	14	problem	problem	NOUN
cjfa-56739	55	15	gambling	gambling	NOUN
cjfa-56739	55	16	severity	severity	NOUN
cjfa-56739	55	17	and	and	CCONJ
cjfa-56739	55	18	these	these	DET
cjfa-56739	55	19	factors	factor	NOUN
cjfa-56739	55	20	was	be	AUX
cjfa-56739	55	21	no	no	ADV
cjfa-56739	55	22	longer	long	ADV
cjfa-56739	55	23	significant	significant	ADJ
cjfa-56739	55	24	.	.	PUNCT
cjfa-56739	56	1	in	in	ADP
cjfa-56739	56	2	light	light	NOUN
cjfa-56739	56	3	of	of	ADP
cjfa-56739	56	4	these	these	DET
cjfa-56739	56	5	arguments	argument	NOUN
cjfa-56739	56	6	,	,	PUNCT
cjfa-56739	56	7	the	the	DET
cjfa-56739	56	8	first	first	ADJ
cjfa-56739	56	9	hypothesis	hypothesis	NOUN
cjfa-56739	56	10	is	be	AUX
cjfa-56739	56	11	formulated	formulate	VERB
cjfa-56739	56	12	as	as	SCONJ
cjfa-56739	56	13	follows	follow	VERB
cjfa-56739	56	14	:	:	PUNCT
cjfa-56739	56	15	h1	h1	NOUN
cjfa-56739	56	16	:	:	PUNCT
cjfa-56739	56	17	there	there	PRON
cjfa-56739	56	18	is	be	VERB
cjfa-56739	56	19	no	no	DET
cjfa-56739	56	20	noteworthy	noteworthy	ADJ
cjfa-56739	56	21	positive	positive	ADJ
cjfa-56739	56	22	correlation	correlation	NOUN
cjfa-56739	56	23	between	between	ADP
cjfa-56739	56	24	financial	financial	ADJ
cjfa-56739	56	25	attitude	attitude	NOUN
cjfa-56739	56	26	and	and	CCONJ
cjfa-56739	56	27	financial	financial	ADJ
cjfa-56739	56	28	inclusion	inclusion	NOUN
cjfa-56739	56	29	.	.	PUNCT
cjfa-56739	57	1	past	past	ADJ
cjfa-56739	57	2	research	research	NOUN
cjfa-56739	57	3	has	have	AUX
cjfa-56739	57	4	extensively	extensively	ADV
cjfa-56739	57	5	employed	employ	VERB
cjfa-56739	57	6	the	the	DET
cjfa-56739	57	7	concept	concept	NOUN
cjfa-56739	57	8	of	of	ADP
cjfa-56739	57	9	subjective	subjective	ADJ
cjfa-56739	57	10	norms	norm	NOUN
cjfa-56739	57	11	to	to	PART
cjfa-56739	57	12	elucidate	elucidate	VERB
cjfa-56739	57	13	connections	connection	NOUN
cjfa-56739	57	14	with	with	ADP
cjfa-56739	57	15	both	both	CCONJ
cjfa-56739	57	16	financial	financial	ADJ
cjfa-56739	57	17	self	self	NOUN
cjfa-56739	57	18	-	-	PUNCT
cjfa-56739	57	19	efficacy	efficacy	NOUN
cjfa-56739	57	20	and	and	CCONJ
cjfa-56739	57	21	financial	financial	ADJ
cjfa-56739	57	22	inclusion	inclusion	NOUN
cjfa-56739	57	23	(	(	PUNCT
cjfa-56739	57	24	burlando	burlando	NOUN
cjfa-56739	57	25	&	&	CCONJ
cjfa-56739	57	26	canidio	canidio	NOUN
cjfa-56739	57	27	,	,	PUNCT
cjfa-56739	57	28	2015	2015	NUM
cjfa-56739	57	29	;	;	PUNCT
cjfa-56739	57	30	braunstein	braunstein	NOUN
cjfa-56739	57	31	&	&	CCONJ
cjfa-56739	57	32	welch	welch	PROPN
cjfa-56739	57	33	,	,	PUNCT
cjfa-56739	57	34	2002	2002	NUM
cjfa-56739	57	35	;	;	PUNCT
cjfa-56739	57	36	ahluwalia	ahluwalia	PROPN
cjfa-56739	57	37	,	,	PUNCT
cjfa-56739	57	38	burnkrant	burnkrant	PROPN
cjfa-56739	57	39	&	&	CCONJ
cjfa-56739	57	40	unnava	unnava	PROPN
cjfa-56739	57	41	,	,	PUNCT
cjfa-56739	57	42	2000	2000	NUM
cjfa-56739	57	43	;	;	PUNCT
cjfa-56739	57	44	chithra	chithra	PROPN
cjfa-56739	57	45	&	&	CCONJ
cjfa-56739	57	46	selvam	selvam	PROPN
cjfa-56739	57	47	,	,	PUNCT
cjfa-56739	57	48	2013	2013	NUM
cjfa-56739	57	49	;	;	PUNCT
cjfa-56739	57	50	van	van	PROPN
cjfa-56739	57	51	der	der	PROPN
cjfa-56739	57	52	lee	lee	PROPN
cjfa-56739	57	53	,	,	PUNCT
cjfa-56739	57	54	gatt	gatt	PROPN
cjfa-56739	57	55	,	,	PUNCT
cjfa-56739	57	56	van	van	PROPN
cjfa-56739	57	57	miltenburg	miltenburg	PROPN
cjfa-56739	57	58	&	&	CCONJ
cjfa-56739	57	59	krahmer	krahmer	NOUN
cjfa-56739	57	60	,	,	PUNCT
cjfa-56739	57	61	2021	2021	NUM
cjfa-56739	57	62	)	)	PUNCT
cjfa-56739	57	63	these	these	DET
cjfa-56739	57	64	studies	study	NOUN
cjfa-56739	57	65	have	have	AUX
cjfa-56739	57	66	investigated	investigate	VERB
cjfa-56739	57	67	whether	whether	SCONJ
cjfa-56739	57	68	subjective	subjective	ADJ
cjfa-56739	57	69	norms	norm	NOUN
cjfa-56739	57	70	exert	exert	VERB
cjfa-56739	57	71	a	a	DET
cjfa-56739	57	72	direct	direct	ADJ
cjfa-56739	57	73	or	or	CCONJ
cjfa-56739	57	74	indirect	indirect	ADJ
cjfa-56739	57	75	impact	impact	NOUN
cjfa-56739	57	76	on	on	ADP
cjfa-56739	57	77	financial	financial	ADJ
cjfa-56739	57	78	inclusion	inclusion	NOUN
cjfa-56739	57	79	,	,	PUNCT
cjfa-56739	57	80	and	and	CCONJ
cjfa-56739	57	81	findings	finding	NOUN
cjfa-56739	57	82	have	have	VERB
cjfa-56739	57	83	varied	varied	ADJ
cjfa-56739	57	84	demand	demand	NOUN
cjfa-56739	57	85	side	side	NOUN
cjfa-56739	57	86	factors	factor	NOUN
cjfa-56739	57	87	and	and	CCONJ
cjfa-56739	57	88	financial	financial	ADJ
cjfa-56739	57	89	inclusion	inclusion	NOUN
cjfa-56739	57	90	…	…	PUNCT
cjfa-56739	57	91	3333	3333	NUM
cjfa-56739	57	92	across	across	ADP
cjfa-56739	57	93	different	different	ADJ
cjfa-56739	57	94	contexts	contexts	NOUN
cjfa-56739	57	95	.	.	PUNCT
cjfa-56739	58	1	while	while	SCONJ
cjfa-56739	58	2	a	a	DET
cjfa-56739	58	3	limited	limited	ADJ
cjfa-56739	58	4	number	number	NOUN
cjfa-56739	58	5	of	of	ADP
cjfa-56739	58	6	studies	study	NOUN
cjfa-56739	58	7	have	have	AUX
cjfa-56739	58	8	delved	delve	VERB
cjfa-56739	58	9	into	into	ADP
cjfa-56739	58	10	the	the	DET
cjfa-56739	58	11	influence	influence	NOUN
cjfa-56739	58	12	of	of	ADP
cjfa-56739	58	13	subjective	subjective	ADJ
cjfa-56739	58	14	norms	norm	NOUN
cjfa-56739	58	15	on	on	ADP
cjfa-56739	58	16	financial	financial	ADJ
cjfa-56739	58	17	self	self	NOUN
cjfa-56739	58	18	-	-	PUNCT
cjfa-56739	58	19	efficacy	efficacy	NOUN
cjfa-56739	58	20	(	(	PUNCT
cjfa-56739	58	21	chen	chen	PROPN
cjfa-56739	58	22	,	,	PUNCT
cjfa-56739	58	23	dowling	dowling	NOUN
cjfa-56739	58	24	&	&	CCONJ
cjfa-56739	58	25	yap	yap	NOUN
cjfa-56739	58	26	,	,	PUNCT
cjfa-56739	58	27	2012	2012	NUM
cjfa-56739	58	28	;	;	PUNCT
cjfa-56739	58	29	norvilitis	norvilitis	PROPN
cjfa-56739	58	30	&	&	CCONJ
cjfa-56739	58	31	mao	mao	PROPN
cjfa-56739	58	32	,	,	PUNCT
cjfa-56739	58	33	2013	2013	NUM
cjfa-56739	58	34	;	;	PUNCT
cjfa-56739	58	35	shih	shih	PROPN
cjfa-56739	58	36	&	&	CCONJ
cjfa-56739	58	37	ke	ke	PROPN
cjfa-56739	58	38	,	,	PUNCT
cjfa-56739	58	39	2014	2014	NUM
cjfa-56739	58	40	;	;	PUNCT
cjfa-56739	58	41	ishtiaq	ishtiaq	PROPN
cjfa-56739	58	42	,	,	PUNCT
cjfa-56739	58	43	imtiaz	imtiaz	PROPN
cjfa-56739	58	44	,	,	PUNCT
cjfa-56739	58	45	hussain	hussain	PROPN
cjfa-56739	58	46	&	&	CCONJ
cjfa-56739	58	47	anum	anum	PROPN
cjfa-56739	58	48	,	,	PUNCT
cjfa-56739	58	49	2019	2019	NUM
cjfa-56739	58	50	)	)	PUNCT
cjfa-56739	58	51	reported	report	VERB
cjfa-56739	58	52	that	that	SCONJ
cjfa-56739	58	53	self	self	NOUN
cjfa-56739	58	54	-	-	PUNCT
cjfa-56739	58	55	esteem	esteem	NOUN
cjfa-56739	58	56	,	,	PUNCT
cjfa-56739	58	57	self	self	NOUN
cjfa-56739	58	58	-	-	PUNCT
cjfa-56739	58	59	control	control	NOUN
cjfa-56739	58	60	,	,	PUNCT
cjfa-56739	58	61	and	and	CCONJ
cjfa-56739	58	62	risk	risk	NOUN
cjfa-56739	58	63	preferences	preference	NOUN
cjfa-56739	58	64	significantly	significantly	ADV
cjfa-56739	58	65	influence	influence	VERB
cjfa-56739	58	66	the	the	DET
cjfa-56739	58	67	financial	financial	ADJ
cjfa-56739	58	68	behavior	behavior	NOUN
cjfa-56739	58	69	of	of	ADP
cjfa-56739	58	70	women	woman	NOUN
cjfa-56739	58	71	.	.	PUNCT
cjfa-56739	59	1	however	however	ADV
cjfa-56739	59	2	,	,	PUNCT
cjfa-56739	59	3	self	self	NOUN
cjfa-56739	59	4	-	-	PUNCT
cjfa-56739	59	5	efficacy	efficacy	NOUN
cjfa-56739	59	6	and	and	CCONJ
cjfa-56739	59	7	financial	financial	ADJ
cjfa-56739	59	8	literacy	literacy	NOUN
cjfa-56739	59	9	showed	show	VERB
cjfa-56739	59	10	ambiguous	ambiguous	ADJ
cjfa-56739	59	11	results	result	NOUN
cjfa-56739	59	12	and	and	CCONJ
cjfa-56739	59	13	no	no	DET
cjfa-56739	59	14	clear	clear	ADJ
cjfa-56739	59	15	relationship	relationship	NOUN
cjfa-56739	59	16	with	with	ADP
cjfa-56739	59	17	financial	financial	ADJ
cjfa-56739	59	18	behavior	behavior	NOUN
cjfa-56739	59	19	.	.	PUNCT
cjfa-56739	60	1	additionally	additionally	ADV
cjfa-56739	60	2	,	,	PUNCT
cjfa-56739	60	3	financial	financial	ADJ
cjfa-56739	60	4	stress	stress	NOUN
cjfa-56739	60	5	and	and	CCONJ
cjfa-56739	60	6	financial	financial	ADJ
cjfa-56739	60	7	anxiety	anxiety	NOUN
cjfa-56739	60	8	were	be	AUX
cjfa-56739	60	9	found	find	VERB
cjfa-56739	60	10	to	to	PART
cjfa-56739	60	11	have	have	VERB
cjfa-56739	60	12	no	no	DET
cjfa-56739	60	13	significant	significant	ADJ
cjfa-56739	60	14	impact	impact	NOUN
cjfa-56739	60	15	on	on	ADP
cjfa-56739	60	16	the	the	DET
cjfa-56739	60	17	financial	financial	ADJ
cjfa-56739	60	18	behavior	behavior	NOUN
cjfa-56739	60	19	of	of	ADP
cjfa-56739	60	20	working	work	VERB
cjfa-56739	60	21	women	woman	NOUN
cjfa-56739	60	22	in	in	ADP
cjfa-56739	60	23	public	public	ADJ
cjfa-56739	60	24	sector	sector	NOUN
cjfa-56739	60	25	banks	bank	NOUN
cjfa-56739	60	26	.	.	PUNCT
cjfa-56739	61	1	similarly	similarly	ADV
cjfa-56739	61	2	,	,	PUNCT
cjfa-56739	61	3	pattarin	pattarin	NOUN
cjfa-56739	61	4	and	and	CCONJ
cjfa-56739	61	5	cosma	cosma	PROPN
cjfa-56739	61	6	(	(	PUNCT
cjfa-56739	61	7	2012	2012	NUM
cjfa-56739	61	8	)	)	PUNCT
cjfa-56739	61	9	contend	contend	VERB
cjfa-56739	61	10	that	that	SCONJ
cjfa-56739	61	11	the	the	DET
cjfa-56739	61	12	impact	impact	NOUN
cjfa-56739	61	13	of	of	ADP
cjfa-56739	61	14	attitude	attitude	NOUN
cjfa-56739	61	15	on	on	ADP
cjfa-56739	61	16	consumer	consumer	NOUN
cjfa-56739	61	17	credit	credit	NOUN
cjfa-56739	61	18	decisions	decision	NOUN
cjfa-56739	61	19	is	be	AUX
cjfa-56739	61	20	significant	significant	ADJ
cjfa-56739	61	21	and	and	CCONJ
cjfa-56739	61	22	can	can	AUX
cjfa-56739	61	23	not	not	PART
cjfa-56739	61	24	be	be	AUX
cjfa-56739	61	25	disregarded	disregard	VERB
cjfa-56739	61	26	.	.	PUNCT
cjfa-56739	62	1	they	they	PRON
cjfa-56739	62	2	suggest	suggest	VERB
cjfa-56739	62	3	that	that	SCONJ
cjfa-56739	62	4	attitudes	attitude	NOUN
cjfa-56739	62	5	toward	toward	ADP
cjfa-56739	62	6	credit	credit	NOUN
cjfa-56739	62	7	play	play	VERB
cjfa-56739	62	8	a	a	DET
cjfa-56739	62	9	crucial	crucial	ADJ
cjfa-56739	62	10	role	role	NOUN
cjfa-56739	62	11	and	and	CCONJ
cjfa-56739	62	12	are	be	AUX
cjfa-56739	62	13	closely	closely	ADV
cjfa-56739	62	14	linked	link	VERB
cjfa-56739	62	15	to	to	ADP
cjfa-56739	62	16	the	the	DET
cjfa-56739	62	17	motivations	motivation	NOUN
cjfa-56739	62	18	behind	behind	ADP
cjfa-56739	62	19	using	use	VERB
cjfa-56739	62	20	credit	credit	NOUN
cjfa-56739	62	21	and	and	CCONJ
cjfa-56739	62	22	the	the	DET
cjfa-56739	62	23	chosen	choose	VERB
cjfa-56739	62	24	methods	method	NOUN
cjfa-56739	62	25	for	for	ADP
cjfa-56739	62	26	financing	finance	VERB
cjfa-56739	62	27	consumption	consumption	NOUN
cjfa-56739	62	28	.	.	PUNCT
cjfa-56739	63	1	aligned	align	VERB
cjfa-56739	63	2	with	with	ADP
cjfa-56739	63	3	these	these	DET
cjfa-56739	63	4	arguments	argument	NOUN
cjfa-56739	63	5	,	,	PUNCT
cjfa-56739	63	6	the	the	DET
cjfa-56739	63	7	second	second	ADJ
cjfa-56739	63	8	hypothesis	hypothesis	NOUN
cjfa-56739	63	9	is	be	AUX
cjfa-56739	63	10	formulated	formulate	VERB
cjfa-56739	63	11	as	as	SCONJ
cjfa-56739	63	12	follows	follow	VERB
cjfa-56739	63	13	:	:	PUNCT
cjfa-56739	63	14	h2	h2	NOUN
cjfa-56739	63	15	:	:	PUNCT
cjfa-56739	63	16	there	there	PRON
cjfa-56739	63	17	is	be	VERB
cjfa-56739	63	18	no	no	DET
cjfa-56739	63	19	significant	significant	ADJ
cjfa-56739	63	20	relationship	relationship	NOUN
cjfa-56739	63	21	between	between	ADP
cjfa-56739	63	22	subjective	subjective	ADJ
cjfa-56739	63	23	norms	norm	NOUN
cjfa-56739	63	24	and	and	CCONJ
cjfa-56739	63	25	financial	financial	ADJ
cjfa-56739	63	26	inclusion	inclusion	NOUN
cjfa-56739	63	27	.	.	PUNCT
cjfa-56739	64	1	previous	previous	ADJ
cjfa-56739	64	2	research	research	NOUN
cjfa-56739	64	3	on	on	ADP
cjfa-56739	64	4	the	the	DET
cjfa-56739	64	5	determinants	determinant	NOUN
cjfa-56739	64	6	of	of	ADP
cjfa-56739	64	7	financial	financial	ADJ
cjfa-56739	64	8	inclusion	inclusion	NOUN
cjfa-56739	64	9	in	in	ADP
cjfa-56739	64	10	nigeria	nigeria	PROPN
cjfa-56739	64	11	and	and	CCONJ
cjfa-56739	64	12	other	other	ADJ
cjfa-56739	64	13	sub	sub	ADJ
cjfa-56739	64	14	-	-	ADJ
cjfa-56739	64	15	saharan	saharan	ADJ
cjfa-56739	64	16	african	african	ADJ
cjfa-56739	64	17	countries	country	NOUN
cjfa-56739	64	18	has	have	AUX
cjfa-56739	64	19	indicated	indicate	VERB
cjfa-56739	64	20	that	that	SCONJ
cjfa-56739	64	21	personal	personal	ADJ
cjfa-56739	64	22	experience	experience	NOUN
cjfa-56739	64	23	can	can	AUX
cjfa-56739	64	24	serve	serve	VERB
cjfa-56739	64	25	as	as	ADP
cjfa-56739	64	26	a	a	DET
cjfa-56739	64	27	proxy	proxy	NOUN
cjfa-56739	64	28	for	for	ADP
cjfa-56739	64	29	assessing	assess	VERB
cjfa-56739	64	30	financial	financial	ADJ
cjfa-56739	64	31	inclusion	inclusion	NOUN
cjfa-56739	64	32	.	.	PUNCT
cjfa-56739	65	1	akudugu	akudugu	ADV
cjfa-56739	65	2	(	(	PUNCT
cjfa-56739	65	3	2013	2013	NUM
cjfa-56739	65	4	)	)	PUNCT
cjfa-56739	65	5	utilized	utilize	VERB
cjfa-56739	65	6	data	datum	NOUN
cjfa-56739	65	7	from	from	ADP
cjfa-56739	65	8	the	the	DET
cjfa-56739	65	9	national	national	ADJ
cjfa-56739	65	10	household	household	NOUN
cjfa-56739	65	11	budget	budget	NOUN
cjfa-56739	65	12	survey	survey	NOUN
cjfa-56739	65	13	(	(	PUNCT
cjfa-56739	65	14	nhbs	nhbs	PROPN
cjfa-56739	65	15	)	)	PUNCT
cjfa-56739	65	16	with	with	ADP
cjfa-56739	65	17	16,456	16,456	NUM
cjfa-56739	65	18	households	household	NOUN
cjfa-56739	65	19	in	in	ADP
cjfa-56739	65	20	west	west	PROPN
cjfa-56739	65	21	africa	africa	PROPN
cjfa-56739	65	22	to	to	PART
cjfa-56739	65	23	explore	explore	VERB
cjfa-56739	65	24	the	the	DET
cjfa-56739	65	25	effect	effect	NOUN
cjfa-56739	65	26	of	of	ADP
cjfa-56739	65	27	age	age	NOUN
cjfa-56739	65	28	,	,	PUNCT
cjfa-56739	65	29	level	level	NOUN
cjfa-56739	65	30	of	of	ADP
cjfa-56739	65	31	education	education	NOUN
cjfa-56739	65	32	,	,	PUNCT
cjfa-56739	65	33	population	population	NOUN
cjfa-56739	65	34	density	density	NOUN
cjfa-56739	65	35	,	,	PUNCT
cjfa-56739	65	36	phones	phone	NOUN
cjfa-56739	65	37	and	and	CCONJ
cjfa-56739	65	38	economic	economic	ADJ
cjfa-56739	65	39	growth	growth	NOUN
cjfa-56739	65	40	on	on	ADP
cjfa-56739	65	41	financial	financial	ADJ
cjfa-56739	65	42	inclusion	inclusion	NOUN
cjfa-56739	65	43	.	.	PUNCT
cjfa-56739	66	1	probit	probit	NOUN
cjfa-56739	66	2	models	model	NOUN
cjfa-56739	66	3	estimated	estimate	VERB
cjfa-56739	66	4	in	in	ADP
cjfa-56739	66	5	the	the	DET
cjfa-56739	66	6	study	study	NOUN
cjfa-56739	66	7	suggested	suggest	VERB
cjfa-56739	66	8	that	that	SCONJ
cjfa-56739	66	9	the	the	DET
cjfa-56739	66	10	age	age	NOUN
cjfa-56739	66	11	,	,	PUNCT
cjfa-56739	66	12	level	level	NOUN
cjfa-56739	66	13	of	of	ADP
cjfa-56739	66	14	education	education	NOUN
cjfa-56739	66	15	,	,	PUNCT
cjfa-56739	66	16	population	population	NOUN
cjfa-56739	66	17	density	density	NOUN
cjfa-56739	66	18	,	,	PUNCT
cjfa-56739	66	19	phones	phone	NOUN
cjfa-56739	66	20	and	and	CCONJ
cjfa-56739	66	21	economic	economic	ADJ
cjfa-56739	66	22	growth	growth	NOUN
cjfa-56739	66	23	has	have	VERB
cjfa-56739	66	24	significant	significant	ADJ
cjfa-56739	66	25	effect	effect	NOUN
cjfa-56739	66	26	on	on	ADP
cjfa-56739	66	27	financial	financial	ADJ
cjfa-56739	66	28	inclusion	inclusion	NOUN
cjfa-56739	66	29	in	in	ADP
cjfa-56739	66	30	ghana	ghana	PROPN
cjfa-56739	66	31	.	.	PUNCT
cjfa-56739	67	1	in	in	ADP
cjfa-56739	67	2	mexico	mexico	PROPN
cjfa-56739	67	3	,	,	PUNCT
cjfa-56739	67	4	ajide	ajide	ADV
cjfa-56739	67	5	(	(	PUNCT
cjfa-56739	67	6	2017	2017	NUM
cjfa-56739	67	7	)	)	PUNCT
cjfa-56739	67	8	investigated	investigate	VERB
cjfa-56739	67	9	the	the	DET
cjfa-56739	67	10	determinants	determinant	NOUN
cjfa-56739	67	11	of	of	ADP
cjfa-56739	67	12	financial	financial	ADJ
cjfa-56739	67	13	inclusion	inclusion	NOUN
cjfa-56739	67	14	using	use	VERB
cjfa-56739	67	15	a	a	DET
cjfa-56739	67	16	sample	sample	NOUN
cjfa-56739	67	17	of	of	ADP
cjfa-56739	67	18	7,000	7,000	NUM
cjfa-56739	67	19	rural	rural	ADJ
cjfa-56739	67	20	and	and	CCONJ
cjfa-56739	67	21	urban	urban	ADJ
cjfa-56739	67	22	households	household	NOUN
cjfa-56739	67	23	from	from	ADP
cjfa-56739	67	24	the	the	DET
cjfa-56739	67	25	national	national	ADJ
cjfa-56739	67	26	financial	financial	ADJ
cjfa-56739	67	27	inclusion	inclusion	NOUN
cjfa-56739	67	28	survey	survey	NOUN
cjfa-56739	67	29	(	(	PUNCT
cjfa-56739	67	30	nfis	nfis	PROPN
cjfa-56739	67	31	)	)	PUNCT
cjfa-56739	67	32	.	.	PUNCT
cjfa-56739	68	1	results	result	NOUN
cjfa-56739	68	2	indicated	indicate	VERB
cjfa-56739	68	3	that	that	SCONJ
cjfa-56739	68	4	income	income	NOUN
cjfa-56739	68	5	,	,	PUNCT
cjfa-56739	68	6	education	education	NOUN
cjfa-56739	68	7	,	,	PUNCT
cjfa-56739	68	8	and	and	CCONJ
cjfa-56739	68	9	gender	gender	NOUN
cjfa-56739	68	10	played	play	VERB
cjfa-56739	68	11	crucial	crucial	ADJ
cjfa-56739	68	12	roles	role	NOUN
cjfa-56739	68	13	in	in	ADP
cjfa-56739	68	14	determining	determine	VERB
cjfa-56739	68	15	financial	financial	ADJ
cjfa-56739	68	16	inclusion	inclusion	NOUN
cjfa-56739	68	17	in	in	ADP
cjfa-56739	68	18	mexico	mexico	PROPN
cjfa-56739	68	19	.	.	PUNCT
cjfa-56739	69	1	another	another	DET
cjfa-56739	69	2	study	study	NOUN
cjfa-56739	69	3	by	by	ADP
cjfa-56739	69	4	abel	abel	PROPN
cjfa-56739	69	5	,	,	PUNCT
cjfa-56739	69	6	mutandwa	mutandwa	VERB
cjfa-56739	69	7	and	and	CCONJ
cjfa-56739	69	8	le	le	X
cjfa-56739	69	9	roux	roux	NOUN
cjfa-56739	69	10	(	(	PUNCT
cjfa-56739	69	11	2018	2018	NUM
cjfa-56739	69	12	)	)	PUNCT
cjfa-56739	69	13	utilized	utilize	VERB
cjfa-56739	69	14	world	world	PROPN
cjfa-56739	69	15	bank	bank	PROPN
cjfa-56739	69	16	data	datum	NOUN
cjfa-56739	69	17	to	to	PART
cjfa-56739	69	18	estimate	estimate	VERB
cjfa-56739	69	19	a	a	DET
cjfa-56739	69	20	probit	probit	NOUN
cjfa-56739	69	21	model	model	NOUN
cjfa-56739	69	22	,	,	PUNCT
cjfa-56739	69	23	finding	find	VERB
cjfa-56739	69	24	that	that	SCONJ
cjfa-56739	69	25	financial	financial	ADJ
cjfa-56739	69	26	inclusion	inclusion	NOUN
cjfa-56739	69	27	in	in	ADP
cjfa-56739	69	28	nigeria	nigeria	PROPN
cjfa-56739	69	29	was	be	AUX
cjfa-56739	69	30	influenced	influence	VERB
cjfa-56739	69	31	by	by	ADP
cjfa-56739	69	32	individual	individual	ADJ
cjfa-56739	69	33	personal	personal	ADJ
cjfa-56739	69	34	experiences	experience	NOUN
cjfa-56739	69	35	,	,	PUNCT
cjfa-56739	69	36	education	education	NOUN
cjfa-56739	69	37	level	level	NOUN
cjfa-56739	69	38	,	,	PUNCT
cjfa-56739	69	39	income	income	NOUN
cjfa-56739	69	40	,	,	PUNCT
cjfa-56739	69	41	and	and	CCONJ
cjfa-56739	69	42	age	age	NOUN
cjfa-56739	69	43	.	.	PUNCT
cjfa-56739	70	1	similarly	similarly	ADV
cjfa-56739	70	2	,	,	PUNCT
cjfa-56739	70	3	grohmann	grohmann	NOUN
cjfa-56739	70	4	(	(	PUNCT
cjfa-56739	70	5	2018	2018	NUM
cjfa-56739	70	6	)	)	PUNCT
cjfa-56739	70	7	investigated	investigate	VERB
cjfa-56739	70	8	the	the	DET
cjfa-56739	70	9	influence	influence	NOUN
cjfa-56739	70	10	of	of	ADP
cjfa-56739	70	11	financial	financial	ADJ
cjfa-56739	70	12	literacy	literacy	NOUN
cjfa-56739	70	13	and	and	CCONJ
cjfa-56739	70	14	behavior	behavior	NOUN
cjfa-56739	70	15	of	of	ADP
cjfa-56739	70	16	middle	middle	ADJ
cjfa-56739	70	17	-	-	PUNCT
cjfa-56739	70	18	class	class	NOUN
cjfa-56739	70	19	individuals	individual	NOUN
cjfa-56739	70	20	in	in	ADP
cjfa-56739	70	21	an	an	DET
cjfa-56739	70	22	urban	urban	ADJ
cjfa-56739	70	23	asian	asian	ADJ
cjfa-56739	70	24	economy	economy	NOUN
cjfa-56739	70	25	,	,	PUNCT
cjfa-56739	70	26	the	the	DET
cjfa-56739	70	27	finding	finding	NOUN
cjfa-56739	70	28	reported	report	VERB
cjfa-56739	70	29	that	that	SCONJ
cjfa-56739	70	30	financial	financial	ADJ
cjfa-56739	70	31	literacy	literacy	NOUN
cjfa-56739	70	32	levels	level	NOUN
cjfa-56739	70	33	are	be	AUX
cjfa-56739	70	34	largely	largely	ADV
cjfa-56739	70	35	comparable	comparable	ADJ
cjfa-56739	70	36	to	to	ADP
cjfa-56739	70	37	those	those	PRON
cjfa-56739	70	38	in	in	ADP
cjfa-56739	70	39	industrialized	industrialized	ADJ
cjfa-56739	70	40	countries	country	NOUN
cjfa-56739	70	41	,	,	PUNCT
cjfa-56739	70	42	though	though	SCONJ
cjfa-56739	70	43	their	their	PRON
cjfa-56739	70	44	understanding	understanding	NOUN
cjfa-56739	70	45	of	of	ADP
cjfa-56739	70	46	more	more	ADV
cjfa-56739	70	47	advanced	advanced	ADJ
cjfa-56739	70	48	financial	financial	ADJ
cjfa-56739	70	49	concepts	concept	NOUN
cjfa-56739	70	50	is	be	AUX
cjfa-56739	70	51	lower	low	ADJ
cjfa-56739	70	52	.	.	PUNCT
cjfa-56739	71	1	additionally	additionally	ADV
cjfa-56739	71	2	,	,	PUNCT
cjfa-56739	71	3	while	while	SCONJ
cjfa-56739	71	4	most	most	ADJ
cjfa-56739	71	5	people	people	NOUN
cjfa-56739	71	6	have	have	VERB
cjfa-56739	71	7	savings	saving	NOUN
cjfa-56739	71	8	accounts	account	NOUN
cjfa-56739	71	9	,	,	PUNCT
cjfa-56739	71	10	more	more	ADV
cjfa-56739	71	11	sophisticated	sophisticated	ADJ
cjfa-56739	71	12	financial	financial	ADJ
cjfa-56739	71	13	products	product	NOUN
cjfa-56739	71	14	are	be	AUX
cjfa-56739	71	15	much	much	ADV
cjfa-56739	71	16	less	less	ADV
cjfa-56739	71	17	common	common	ADJ
cjfa-56739	71	18	.	.	PUNCT
cjfa-56739	72	1	nguli	nguli	PROPN
cjfa-56739	72	2	and	and	CCONJ
cjfa-56739	72	3	tarus	tarus	PROPN
cjfa-56739	72	4	(	(	PUNCT
cjfa-56739	72	5	2020	2020	NUM
cjfa-56739	72	6	)	)	PUNCT
cjfa-56739	72	7	employed	employ	VERB
cjfa-56739	72	8	abdullahi	abdullahi	NUM
cjfa-56739	72	9	adio	adio	PROPN
cjfa-56739	72	10	babatunde3434	babatunde3434	PROPN
cjfa-56739	72	11	partial	partial	ADJ
cjfa-56739	73	1	least	least	ADJ
cjfa-56739	73	2	squares	square	VERB
cjfa-56739	73	3	structural	structural	ADJ
cjfa-56739	73	4	equation	equation	NOUN
cjfa-56739	73	5	modeling	modeling	NOUN
cjfa-56739	73	6	(	(	PUNCT
cjfa-56739	73	7	pls	pls	INTJ
cjfa-56739	73	8	-	-	PUNCT
cjfa-56739	73	9	sem	sem	NOUN
cjfa-56739	73	10	)	)	PUNCT
cjfa-56739	73	11	to	to	PART
cjfa-56739	73	12	assess	assess	VERB
cjfa-56739	73	13	the	the	DET
cjfa-56739	73	14	impact	impact	NOUN
cjfa-56739	73	15	of	of	ADP
cjfa-56739	73	16	strategic	strategic	ADJ
cjfa-56739	73	17	orientation	orientation	NOUN
cjfa-56739	73	18	on	on	ADP
cjfa-56739	73	19	the	the	DET
cjfa-56739	73	20	financial	financial	ADJ
cjfa-56739	73	21	inclusion	inclusion	NOUN
cjfa-56739	73	22	of	of	ADP
cjfa-56739	73	23	634	634	NUM
cjfa-56739	73	24	women	woman	NOUN
cjfa-56739	73	25	-	-	PUNCT
cjfa-56739	73	26	owned	own	VERB
cjfa-56739	73	27	smes	sme	NOUN
cjfa-56739	73	28	in	in	ADP
cjfa-56739	73	29	kenya	kenya	PROPN
cjfa-56739	73	30	.	.	PUNCT
cjfa-56739	74	1	their	their	PRON
cjfa-56739	74	2	findings	finding	NOUN
cjfa-56739	74	3	show	show	VERB
cjfa-56739	74	4	that	that	SCONJ
cjfa-56739	74	5	entrepreneurs	entrepreneur	NOUN
cjfa-56739	74	6	with	with	ADP
cjfa-56739	74	7	higher	high	ADJ
cjfa-56739	74	8	market	market	NOUN
cjfa-56739	74	9	and	and	CCONJ
cjfa-56739	74	10	technology	technology	NOUN
cjfa-56739	74	11	orientation	orientation	NOUN
cjfa-56739	74	12	are	be	AUX
cjfa-56739	74	13	more	more	ADV
cjfa-56739	74	14	likely	likely	ADJ
cjfa-56739	74	15	to	to	PART
cjfa-56739	74	16	achieve	achieve	VERB
cjfa-56739	74	17	financial	financial	ADJ
cjfa-56739	74	18	inclusion	inclusion	NOUN
cjfa-56739	74	19	,	,	PUNCT
cjfa-56739	74	20	whereas	whereas	SCONJ
cjfa-56739	74	21	those	those	PRON
cjfa-56739	74	22	with	with	ADP
cjfa-56739	74	23	higher	high	ADJ
cjfa-56739	74	24	learning	learning	NOUN
cjfa-56739	74	25	orientation	orientation	NOUN
cjfa-56739	74	26	tend	tend	VERB
cjfa-56739	74	27	to	to	PART
cjfa-56739	74	28	experience	experience	VERB
cjfa-56739	74	29	lower	low	ADJ
cjfa-56739	74	30	levels	level	NOUN
cjfa-56739	74	31	of	of	ADP
cjfa-56739	74	32	financial	financial	ADJ
cjfa-56739	74	33	inclusion	inclusion	NOUN
cjfa-56739	74	34	.	.	PUNCT
cjfa-56739	75	1	in	in	ADP
cjfa-56739	75	2	the	the	DET
cjfa-56739	75	3	nigerian	nigerian	ADJ
cjfa-56739	75	4	context	context	NOUN
cjfa-56739	75	5	,	,	PUNCT
cjfa-56739	75	6	eze	eze	ADJ
cjfa-56739	75	7	and	and	CCONJ
cjfa-56739	75	8	markjackson	markjackson	NOUN
cjfa-56739	75	9	(	(	PUNCT
cjfa-56739	75	10	2020	2020	NUM
cjfa-56739	75	11	)	)	PUNCT
cjfa-56739	75	12	noted	note	VERB
cjfa-56739	75	13	that	that	SCONJ
cjfa-56739	75	14	the	the	DET
cjfa-56739	75	15	personal	personal	ADJ
cjfa-56739	75	16	experiences	experience	NOUN
cjfa-56739	75	17	of	of	ADP
cjfa-56739	75	18	some	some	DET
cjfa-56739	75	19	bank	bank	NOUN
cjfa-56739	75	20	customers	customer	NOUN
cjfa-56739	75	21	might	might	AUX
cjfa-56739	75	22	discourage	discourage	VERB
cjfa-56739	75	23	them	they	PRON
cjfa-56739	75	24	from	from	ADP
cjfa-56739	75	25	being	be	AUX
cjfa-56739	75	26	financially	financially	ADV
cjfa-56739	75	27	included	include	VERB
cjfa-56739	75	28	due	due	ADP
cjfa-56739	75	29	to	to	ADP
cjfa-56739	75	30	reasons	reason	NOUN
cjfa-56739	75	31	such	such	ADJ
cjfa-56739	75	32	as	as	ADP
cjfa-56739	75	33	financial	financial	ADJ
cjfa-56739	75	34	fraud	fraud	NOUN
cjfa-56739	75	35	,	,	PUNCT
cjfa-56739	75	36	debit	debit	NOUN
cjfa-56739	75	37	or	or	CCONJ
cjfa-56739	75	38	credit	credit	NOUN
cjfa-56739	75	39	card	card	NOUN
cjfa-56739	75	40	fraud	fraud	NOUN
cjfa-56739	75	41	,	,	PUNCT
cjfa-56739	75	42	financial	financial	ADJ
cjfa-56739	75	43	theft	theft	NOUN
cjfa-56739	75	44	,	,	PUNCT
cjfa-56739	75	45	long	long	ADV
cjfa-56739	75	46	waiting	wait	VERB
cjfa-56739	75	47	hours	hour	NOUN
cjfa-56739	75	48	for	for	ADP
cjfa-56739	75	49	withdrawals	withdrawal	NOUN
cjfa-56739	75	50	,	,	PUNCT
cjfa-56739	75	51	delays	delay	NOUN
cjfa-56739	75	52	in	in	ADP
cjfa-56739	75	53	payment	payment	NOUN
cjfa-56739	75	54	clearance	clearance	NOUN
cjfa-56739	75	55	,	,	PUNCT
cjfa-56739	75	56	high	high	ADJ
cjfa-56739	75	57	transaction	transaction	NOUN
cjfa-56739	75	58	costs	cost	NOUN
cjfa-56739	75	59	,	,	PUNCT
cjfa-56739	75	60	and	and	CCONJ
cjfa-56739	75	61	excessive	excessive	ADJ
cjfa-56739	75	62	bank	bank	NOUN
cjfa-56739	75	63	charges	charge	NOUN
cjfa-56739	75	64	.	.	PUNCT
cjfa-56739	76	1	given	give	VERB
cjfa-56739	76	2	these	these	DET
cjfa-56739	76	3	insights	insight	NOUN
cjfa-56739	76	4	,	,	PUNCT
cjfa-56739	76	5	the	the	DET
cjfa-56739	76	6	third	third	ADJ
cjfa-56739	76	7	hypothesis	hypothesis	NOUN
cjfa-56739	76	8	is	be	AUX
cjfa-56739	76	9	formulated	formulate	VERB
cjfa-56739	76	10	as	as	SCONJ
cjfa-56739	76	11	follows	follow	VERB
cjfa-56739	76	12	:	:	PUNCT
cjfa-56739	76	13	h3	h3	NOUN
cjfa-56739	76	14	:	:	PUNCT
cjfa-56739	76	15	there	there	PRON
cjfa-56739	76	16	is	be	VERB
cjfa-56739	76	17	no	no	DET
cjfa-56739	76	18	significant	significant	ADJ
cjfa-56739	76	19	positive	positive	ADJ
cjfa-56739	76	20	association	association	NOUN
cjfa-56739	76	21	between	between	ADP
cjfa-56739	76	22	personal	personal	ADJ
cjfa-56739	76	23	experience	experience	NOUN
cjfa-56739	76	24	and	and	CCONJ
cjfa-56739	76	25	financial	financial	ADJ
cjfa-56739	76	26	inclusion	inclusion	NOUN
cjfa-56739	76	27	.	.	PUNCT
cjfa-56739	77	1	the	the	DET
cjfa-56739	77	2	research	research	NOUN
cjfa-56739	77	3	methodology	methodology	NOUN
cjfa-56739	77	4	and	and	CCONJ
cjfa-56739	77	5	the	the	DET
cjfa-56739	77	6	course	course	NOUN
cjfa-56739	77	7	of	of	ADP
cjfa-56739	77	8	the	the	DET
cjfa-56739	77	9	research	research	NOUN
cjfa-56739	77	10	processthe	processthe	PROPN
cjfa-56739	77	11	research	research	NOUN
cjfa-56739	77	12	methodology	methodology	NOUN
cjfa-56739	77	13	and	and	CCONJ
cjfa-56739	77	14	the	the	DET
cjfa-56739	77	15	course	course	NOUN
cjfa-56739	77	16	of	of	ADP
cjfa-56739	77	17	the	the	DET
cjfa-56739	77	18	research	research	NOUN
cjfa-56739	77	19	process	process	NOUN
cjfa-56739	77	20	the	the	DET
cjfa-56739	77	21	study	study	NOUN
cjfa-56739	77	22	employed	employ	VERB
cjfa-56739	77	23	cross	cross	ADJ
cjfa-56739	77	24	-	-	ADJ
cjfa-56739	77	25	sectional	sectional	ADJ
cjfa-56739	77	26	research	research	NOUN
cjfa-56739	77	27	design	design	NOUN
cjfa-56739	77	28	,	,	PUNCT
cjfa-56739	77	29	this	this	PRON
cjfa-56739	77	30	was	be	AUX
cjfa-56739	77	31	chosen	choose	VERB
cjfa-56739	77	32	for	for	ADP
cjfa-56739	77	33	its	its	PRON
cjfa-56739	77	34	perceived	perceive	VERB
cjfa-56739	77	35	advantages	advantage	NOUN
cjfa-56739	77	36	of	of	ADP
cjfa-56739	77	37	being	be	AUX
cjfa-56739	77	38	relatively	relatively	ADV
cjfa-56739	77	39	cost	cost	NOUN
cjfa-56739	77	40	-	-	PUNCT
cjfa-56739	77	41	effective	effective	ADJ
cjfa-56739	77	42	,	,	PUNCT
cjfa-56739	77	43	faster	fast	ADV
cjfa-56739	77	44	,	,	PUNCT
cjfa-56739	77	45	and	and	CCONJ
cjfa-56739	77	46	simpler	simple	ADJ
cjfa-56739	77	47	,	,	PUNCT
cjfa-56739	77	48	making	make	VERB
cjfa-56739	77	49	it	it	PRON
cjfa-56739	77	50	easy	easy	ADJ
cjfa-56739	77	51	to	to	PART
cjfa-56739	77	52	generate	generate	VERB
cjfa-56739	77	53	and	and	CCONJ
cjfa-56739	77	54	clarifying	clarify	VERB
cjfa-56739	77	55	hypotheses	hypothesis	NOUN
cjfa-56739	77	56	joreskog	joreskog	ADV
cjfa-56739	77	57	and	and	CCONJ
cjfa-56739	77	58	sorbom	sorbom	NOUN
cjfa-56739	77	59	(	(	PUNCT
cjfa-56739	77	60	1993	1993	NUM
cjfa-56739	77	61	)	)	PUNCT
cjfa-56739	77	62	.	.	PUNCT
cjfa-56739	78	1	the	the	DET
cjfa-56739	78	2	target	target	NOUN
cjfa-56739	78	3	population	population	NOUN
cjfa-56739	78	4	comprises	comprise	VERB
cjfa-56739	78	5	msmes	msme	NOUN
cjfa-56739	78	6	owners	owner	NOUN
cjfa-56739	78	7	operating	operate	VERB
cjfa-56739	78	8	in	in	ADP
cjfa-56739	78	9	iseyin	iseyin	NOUN
cjfa-56739	78	10	,	,	PUNCT
cjfa-56739	78	11	kajola	kajola	PROPN
cjfa-56739	78	12	,	,	PUNCT
cjfa-56739	78	13	irepo	irepo	NOUN
cjfa-56739	78	14	and	and	CCONJ
cjfa-56739	78	15	lagelu	lagelu	PROPN
cjfa-56739	78	16	oyo	oyo	NOUN
cjfa-56739	78	17	state	state	NOUN
cjfa-56739	78	18	.	.	PUNCT
cjfa-56739	79	1	these	these	DET
cjfa-56739	79	2	local	local	ADJ
cjfa-56739	79	3	governments	government	NOUN
cjfa-56739	79	4	were	be	AUX
cjfa-56739	79	5	selected	select	VERB
cjfa-56739	79	6	because	because	SCONJ
cjfa-56739	79	7	they	they	PRON
cjfa-56739	79	8	were	be	AUX
cjfa-56739	79	9	the	the	DET
cjfa-56739	79	10	oldest	old	ADJ
cjfa-56739	79	11	local	local	ADJ
cjfa-56739	79	12	governments	government	NOUN
cjfa-56739	79	13	with	with	ADP
cjfa-56739	79	14	high	high	ADJ
cjfa-56739	79	15	numbers	number	NOUN
cjfa-56739	79	16	of	of	ADP
cjfa-56739	79	17	exclusion	exclusion	NOUN
cjfa-56739	79	18	rate	rate	NOUN
cjfa-56739	79	19	in	in	ADP
cjfa-56739	79	20	oyo	oyo	NOUN
cjfa-56739	79	21	state	state	NOUN
cjfa-56739	79	22	,	,	PUNCT
cjfa-56739	79	23	as	as	SCONJ
cjfa-56739	79	24	reported	report	VERB
cjfa-56739	79	25	by	by	ADP
cjfa-56739	79	26	oyccima	oyccima	PROPN
cjfa-56739	79	27	(	(	PUNCT
cjfa-56739	79	28	2023	2023	NUM
cjfa-56739	79	29	)	)	PUNCT
cjfa-56739	79	30	.	.	PUNCT
cjfa-56739	80	1	the	the	DET
cjfa-56739	80	2	approach	approach	NOUN
cjfa-56739	80	3	also	also	ADV
cjfa-56739	80	4	intended	intend	VERB
cjfa-56739	80	5	to	to	PART
cjfa-56739	80	6	study	study	VERB
cjfa-56739	80	7	how	how	SCONJ
cjfa-56739	80	8	individual	individual	ADJ
cjfa-56739	80	9	-	-	PUNCT
cjfa-56739	80	10	specific	specific	ADJ
cjfa-56739	80	11	factors	factor	NOUN
cjfa-56739	80	12	determine	determine	VERB
cjfa-56739	80	13	financial	financial	ADJ
cjfa-56739	80	14	inclusion	inclusion	NOUN
cjfa-56739	80	15	in	in	ADP
cjfa-56739	80	16	the	the	DET
cjfa-56739	80	17	study	study	NOUN
cjfa-56739	80	18	area	area	NOUN
cjfa-56739	80	19	,	,	PUNCT
cjfa-56739	80	20	acknowledging	acknowledge	VERB
cjfa-56739	80	21	the	the	DET
cjfa-56739	80	22	disparities	disparity	NOUN
cjfa-56739	80	23	within	within	ADP
cjfa-56739	80	24	the	the	DET
cjfa-56739	80	25	formal	formal	ADJ
cjfa-56739	80	26	financial	financial	ADJ
cjfa-56739	80	27	system	system	NOUN
cjfa-56739	80	28	.	.	PUNCT
cjfa-56739	81	1	the	the	DET
cjfa-56739	81	2	target	target	NOUN
cjfa-56739	81	3	population	population	NOUN
cjfa-56739	81	4	consists	consist	VERB
cjfa-56739	81	5	of	of	ADP
cjfa-56739	81	6	3,477	3,477	NUM
cjfa-56739	81	7	registered	register	VERB
cjfa-56739	81	8	msmes	msme	NOUN
cjfa-56739	81	9	operating	operate	VERB
cjfa-56739	81	10	in	in	ADP
cjfa-56739	81	11	these	these	DET
cjfa-56739	81	12	local	local	ADJ
cjfa-56739	81	13	governments	government	NOUN
cjfa-56739	81	14	of	of	ADP
cjfa-56739	81	15	oyo	oyo	NOUN
cjfa-56739	81	16	state	state	NOUN
cjfa-56739	81	17	,	,	PUNCT
cjfa-56739	81	18	focusing	focus	VERB
cjfa-56739	81	19	on	on	ADP
cjfa-56739	81	20	individual	individual	ADJ
cjfa-56739	81	21	ability	ability	NOUN
cjfa-56739	81	22	to	to	PART
cjfa-56739	81	23	provide	provide	VERB
cjfa-56739	81	24	insights	insight	NOUN
cjfa-56739	81	25	into	into	ADP
cjfa-56739	81	26	capabilities	capability	NOUN
cjfa-56739	81	27	related	relate	VERB
cjfa-56739	81	28	to	to	ADP
cjfa-56739	81	29	financial	financial	ADJ
cjfa-56739	81	30	inclusion	inclusion	NOUN
cjfa-56739	81	31	.	.	PUNCT
cjfa-56739	82	1	to	to	PART
cjfa-56739	82	2	determine	determine	VERB
cjfa-56739	82	3	the	the	DET
cjfa-56739	82	4	sample	sample	NOUN
cjfa-56739	82	5	size	size	NOUN
cjfa-56739	82	6	,	,	PUNCT
cjfa-56739	82	7	the	the	DET
cjfa-56739	82	8	study	study	NOUN
cjfa-56739	82	9	used	use	VERB
cjfa-56739	82	10	the	the	DET
cjfa-56739	82	11	table	table	NOUN
cjfa-56739	82	12	provided	provide	VERB
cjfa-56739	82	13	by	by	ADP
cjfa-56739	82	14	krejcie	krejcie	NOUN
cjfa-56739	82	15	and	and	CCONJ
cjfa-56739	82	16	morgan	morgan	PROPN
cjfa-56739	82	17	(	(	PUNCT
cjfa-56739	82	18	1970	1970	NUM
cjfa-56739	82	19	)	)	PUNCT
cjfa-56739	82	20	,	,	PUNCT
cjfa-56739	82	21	resulting	result	VERB
cjfa-56739	82	22	in	in	ADP
cjfa-56739	82	23	a	a	DET
cjfa-56739	82	24	sample	sample	NOUN
cjfa-56739	82	25	size	size	NOUN
cjfa-56739	82	26	of	of	ADP
cjfa-56739	82	27	346	346	NUM
cjfa-56739	82	28	from	from	ADP
cjfa-56739	82	29	the	the	DET
cjfa-56739	82	30	population	population	NOUN
cjfa-56739	82	31	of	of	ADP
cjfa-56739	82	32	3,477	3,477	NUM
cjfa-56739	82	33	registered	register	VERB
cjfa-56739	82	34	msmes	msme	NOUN
cjfa-56739	82	35	within	within	ADP
cjfa-56739	82	36	the	the	DET
cjfa-56739	82	37	selected	select	VERB
cjfa-56739	82	38	local	local	ADJ
cjfa-56739	82	39	governments	government	NOUN
cjfa-56739	82	40	in	in	ADP
cjfa-56739	82	41	oyo	oyo	NOUN
cjfa-56739	82	42	state	state	NOUN
cjfa-56739	82	43	.	.	PUNCT
cjfa-56739	83	1	the	the	DET
cjfa-56739	83	2	study	study	NOUN
cjfa-56739	83	3	employed	employ	VERB
cjfa-56739	83	4	a	a	DET
cjfa-56739	83	5	multi	multi	ADJ
cjfa-56739	83	6	-	-	NOUN
cjfa-56739	83	7	stage	stage	NOUN
cjfa-56739	83	8	and	and	CCONJ
cjfa-56739	83	9	stratified	stratified	ADJ
cjfa-56739	83	10	sampling	sample	VERB
cjfa-56739	83	11	approach	approach	NOUN
cjfa-56739	83	12	to	to	PART
cjfa-56739	83	13	select	select	VERB
cjfa-56739	83	14	participants	participant	NOUN
cjfa-56739	83	15	,	,	PUNCT
cjfa-56739	83	16	chosen	choose	VERB
cjfa-56739	83	17	for	for	ADP
cjfa-56739	83	18	its	its	PRON
cjfa-56739	83	19	convenience	convenience	NOUN
cjfa-56739	83	20	and	and	CCONJ
cjfa-56739	83	21	effectiveness	effectiveness	NOUN
cjfa-56739	83	22	.	.	PUNCT
cjfa-56739	84	1	a	a	DET
cjfa-56739	84	2	purposive	purposive	ADJ
cjfa-56739	84	3	sampling	sampling	NOUN
cjfa-56739	84	4	method	method	NOUN
cjfa-56739	84	5	was	be	AUX
cjfa-56739	84	6	used	use	VERB
cjfa-56739	84	7	to	to	PART
cjfa-56739	84	8	select	select	VERB
cjfa-56739	84	9	these	these	DET
cjfa-56739	84	10	local	local	ADJ
cjfa-56739	84	11	governments	government	NOUN
cjfa-56739	84	12	based	base	VERB
cjfa-56739	84	13	on	on	ADP
cjfa-56739	84	14	their	their	PRON
cjfa-56739	84	15	theoretical	theoretical	ADJ
cjfa-56739	84	16	importance	importance	NOUN
cjfa-56739	84	17	,	,	PUNCT
cjfa-56739	84	18	particularly	particularly	ADV
cjfa-56739	84	19	focusing	focus	VERB
cjfa-56739	84	20	on	on	ADP
cjfa-56739	84	21	highly	highly	ADV
cjfa-56739	84	22	rural	rural	ADJ
cjfa-56739	84	23	regions	region	NOUN
cjfa-56739	84	24	of	of	ADP
cjfa-56739	84	25	interest	interest	NOUN
cjfa-56739	84	26	for	for	ADP
cjfa-56739	84	27	the	the	DET
cjfa-56739	84	28	study	study	NOUN
cjfa-56739	84	29	.	.	PUNCT
cjfa-56739	85	1	this	this	DET
cjfa-56739	85	2	choice	choice	NOUN
cjfa-56739	85	3	was	be	AUX
cjfa-56739	85	4	guided	guide	VERB
cjfa-56739	85	5	by	by	ADP
cjfa-56739	85	6	observed	observe	VERB
cjfa-56739	85	7	differences	difference	NOUN
cjfa-56739	85	8	in	in	ADP
cjfa-56739	85	9	financial	financial	ADJ
cjfa-56739	85	10	inclusion	inclusion	NOUN
cjfa-56739	85	11	and	and	CCONJ
cjfa-56739	85	12	exclusion	exclusion	NOUN
cjfa-56739	85	13	as	as	SCONJ
cjfa-56739	85	14	indicated	indicate	VERB
cjfa-56739	85	15	by	by	ADP
cjfa-56739	85	16	financial	financial	ADJ
cjfa-56739	85	17	access	access	NOUN
cjfa-56739	85	18	surveys	survey	NOUN
cjfa-56739	85	19	and	and	CCONJ
cjfa-56739	85	20	financial	financial	ADJ
cjfa-56739	85	21	inclusion	inclusion	NOUN
cjfa-56739	85	22	indices	indice	VERB
cjfa-56739	85	23	from	from	ADP
cjfa-56739	85	24	2021	2021	NUM
cjfa-56739	85	25	.	.	PUNCT
cjfa-56739	86	1	the	the	DET
cjfa-56739	86	2	final	final	ADJ
cjfa-56739	86	3	selec	selec	NOUN
cjfa-56739	86	4	demand	demand	NOUN
cjfa-56739	86	5	side	side	NOUN
cjfa-56739	86	6	factors	factor	NOUN
cjfa-56739	86	7	and	and	CCONJ
cjfa-56739	86	8	financial	financial	ADJ
cjfa-56739	86	9	inclusion	inclusion	NOUN
cjfa-56739	86	10	…	…	PUNCT
cjfa-56739	86	11	3535	3535	NUM
cjfa-56739	86	12	tion	tion	NOUN
cjfa-56739	86	13	of	of	ADP
cjfa-56739	86	14	the	the	DET
cjfa-56739	86	15	346	346	NUM
cjfa-56739	86	16	respondents	respondent	NOUN
cjfa-56739	86	17	in	in	ADP
cjfa-56739	86	18	the	the	DET
cjfa-56739	86	19	chosen	choose	VERB
cjfa-56739	86	20	local	local	ADJ
cjfa-56739	86	21	government	government	NOUN
cjfa-56739	86	22	areas	area	NOUN
cjfa-56739	86	23	was	be	AUX
cjfa-56739	86	24	done	do	VERB
cjfa-56739	86	25	using	use	VERB
cjfa-56739	86	26	a	a	DET
cjfa-56739	86	27	simple	simple	ADJ
cjfa-56739	86	28	random	random	ADJ
cjfa-56739	86	29	sampling	sampling	NOUN
cjfa-56739	86	30	strategy	strategy	NOUN
cjfa-56739	86	31	,	,	PUNCT
cjfa-56739	86	32	and	and	CCONJ
cjfa-56739	86	33	the	the	DET
cjfa-56739	86	34	information	information	NOUN
cjfa-56739	86	35	was	be	AUX
cjfa-56739	86	36	examined	examine	VERB
cjfa-56739	86	37	through	through	ADP
cjfa-56739	86	38	both	both	CCONJ
cjfa-56739	86	39	descriptive	descriptive	ADJ
cjfa-56739	86	40	statistical	statistical	ADJ
cjfa-56739	86	41	methods	method	NOUN
cjfa-56739	86	42	and	and	CCONJ
cjfa-56739	86	43	inferential	inferential	ADJ
cjfa-56739	86	44	analysis	analysis	NOUN
cjfa-56739	86	45	.	.	PUNCT
cjfa-56739	87	1	table	table	NOUN
cjfa-56739	87	2	1	1	NUM
cjfa-56739	87	3	.	.	PUNCT
cjfa-56739	88	1	population	population	NOUN
cjfa-56739	88	2	and	and	CCONJ
cjfa-56739	88	3	sample	sample	NOUN
cjfa-56739	88	4	size	size	NOUN
cjfa-56739	88	5	s	s	PROPN
cjfa-56739	88	6	/	/	SYM
cjfa-56739	88	7	n	n	CCONJ
cjfa-56739	88	8	local	local	ADJ
cjfa-56739	88	9	governments	government	NOUN
cjfa-56739	88	10	population	population	NOUN
cjfa-56739	88	11	of	of	ADP
cjfa-56739	88	12	the	the	DET
cjfa-56739	88	13	study	study	NOUN
cjfa-56739	88	14	proportion	proportion	NOUN
cjfa-56739	88	15	of	of	ADP
cjfa-56739	88	16	sample	sample	NOUN
cjfa-56739	88	17	size	size	NOUN
cjfa-56739	88	18	in	in	ADP
cjfa-56739	88	19	relation	relation	NOUN
cjfa-56739	88	20	to	to	ADP
cjfa-56739	88	21	sampling	sample	VERB
cjfa-56739	88	22	frame	frame	NOUN
cjfa-56739	88	23	sample	sample	NOUN
cjfa-56739	88	24	size	size	NOUN
cjfa-56739	88	25	1	1	NUM
cjfa-56739	88	26	iseyin	iseyin	NOUN
cjfa-56739	88	27	1,177	1,177	NUM
cjfa-56739	88	28	(	(	PUNCT
cjfa-56739	88	29	1,177×346	1,177×346	NUM
cjfa-56739	88	30	)	)	PUNCT
cjfa-56739	88	31	÷	÷	NUM
cjfa-56739	88	32	3,477	3,477	NUM
cjfa-56739	88	33	117.12	117.12	NUM
cjfa-56739	88	34	2	2	NUM
cjfa-56739	88	35	kajola	kajola	NOUN
cjfa-56739	88	36	1,108	1,108	NUM
cjfa-56739	88	37	(	(	PUNCT
cjfa-56739	88	38	1,108×346	1,108×346	NUM
cjfa-56739	88	39	)	)	PUNCT
cjfa-56739	88	40	÷	÷	NUM
cjfa-56739	88	41	3,477	3,477	NUM
cjfa-56739	88	42	110.26	110.26	NUM
cjfa-56739	88	43	3	3	NUM
cjfa-56739	88	44	irepo	irepo	NOUN
cjfa-56739	88	45	556	556	NUM
cjfa-56739	88	46	(	(	PUNCT
cjfa-56739	88	47	556×346	556×346	NUM
cjfa-56739	88	48	)	)	PUNCT
cjfa-56739	88	49	÷	÷	NUM
cjfa-56739	88	50	3,477	3,477	NUM
cjfa-56739	88	51	55.33	55.33	NUM
cjfa-56739	88	52	4	4	NUM
cjfa-56739	88	53	lagelu	lagelu	NOUN
cjfa-56739	88	54	636	636	NUM
cjfa-56739	88	55	(	(	PUNCT
cjfa-56739	88	56	636×346	636×346	NUM
cjfa-56739	88	57	)	)	PUNCT
cjfa-56739	88	58	÷	÷	NUM
cjfa-56739	88	59	3,477	3,477	NUM
cjfa-56739	88	60	63.29	63.29	NUM
cjfa-56739	88	61	total	total	NOUN
cjfa-56739	88	62	3,477	3,477	NUM
cjfa-56739	88	63	346	346	NUM
cjfa-56739	88	64	s	s	NOUN
cjfa-56739	88	65	o	o	NOUN
cjfa-56739	88	66	u	u	NOUN
cjfa-56739	88	67	r	r	NOUN
cjfa-56739	88	68	c	c	NOUN
cjfa-56739	88	69	e	e	X
cjfa-56739	88	70	:	:	PUNCT
cjfa-56739	88	71	author`s	author`s	PROPN
cjfa-56739	88	72	computations	computation	NOUN
cjfa-56739	88	73	.	.	PUNCT
cjfa-56739	89	1	the	the	DET
cjfa-56739	89	2	outcome	outcome	NOUN
cjfa-56739	89	3	of	of	ADP
cjfa-56739	89	4	the	the	DET
cjfa-56739	89	5	research	research	NOUN
cjfa-56739	89	6	process	process	NOUN
cjfa-56739	89	7	and	and	CCONJ
cjfa-56739	89	8	conclusionthe	conclusionthe	NOUN
cjfa-56739	89	9	outcome	outcome	NOUN
cjfa-56739	89	10	of	of	ADP
cjfa-56739	89	11	the	the	DET
cjfa-56739	89	12	research	research	NOUN
cjfa-56739	89	13	process	process	NOUN
cjfa-56739	89	14	and	and	CCONJ
cjfa-56739	89	15	conclusion	conclusion	VERB
cjfa-56739	89	16	the	the	DET
cjfa-56739	89	17	pearson	pearson	PROPN
cjfa-56739	89	18	correlation	correlation	NOUN
cjfa-56739	89	19	coefficients	coefficient	NOUN
cjfa-56739	89	20	reveal	reveal	VERB
cjfa-56739	89	21	strong	strong	ADJ
cjfa-56739	89	22	and	and	CCONJ
cjfa-56739	89	23	positive	positive	ADJ
cjfa-56739	89	24	associations	association	NOUN
cjfa-56739	89	25	between	between	ADP
cjfa-56739	89	26	financial	financial	ADJ
cjfa-56739	89	27	self	self	NOUN
cjfa-56739	89	28	-	-	PUNCT
cjfa-56739	89	29	efficacy	efficacy	NOUN
cjfa-56739	89	30	and	and	CCONJ
cjfa-56739	89	31	various	various	ADJ
cjfa-56739	89	32	demand	demand	NOUN
cjfa-56739	89	33	side	side	NOUN
cjfa-56739	89	34	factors	factor	NOUN
cjfa-56739	89	35	,	,	PUNCT
cjfa-56739	89	36	namely	namely	ADV
cjfa-56739	89	37	financial	financial	ADJ
cjfa-56739	89	38	attitude	attitude	NOUN
cjfa-56739	89	39	,	,	PUNCT
cjfa-56739	89	40	personal	personal	ADJ
cjfa-56739	89	41	experience	experience	NOUN
cjfa-56739	89	42	,	,	PUNCT
cjfa-56739	89	43	and	and	CCONJ
cjfa-56739	89	44	subjective	subjective	ADJ
cjfa-56739	89	45	norms	norm	NOUN
cjfa-56739	89	46	.	.	PUNCT
cjfa-56739	90	1	the	the	DET
cjfa-56739	90	2	identified	identify	VERB
cjfa-56739	90	3	relationship	relationship	NOUN
cjfa-56739	90	4	show	show	VERB
cjfa-56739	90	5	a	a	DET
cjfa-56739	90	6	strong	strong	ADJ
cjfa-56739	90	7	significance	significance	NOUN
cjfa-56739	90	8	at	at	ADP
cjfa-56739	90	9	the	the	DET
cjfa-56739	90	10	0.01	0.01	NUM
cjfa-56739	90	11	level	level	NOUN
cjfa-56739	90	12	,	,	PUNCT
cjfa-56739	90	13	indicating	indicate	VERB
cjfa-56739	90	14	a	a	DET
cjfa-56739	90	15	robust	robust	ADJ
cjfa-56739	90	16	relationship	relationship	NOUN
cjfa-56739	90	17	.	.	PUNCT
cjfa-56739	91	1	similarly	similarly	ADV
cjfa-56739	91	2	,	,	PUNCT
cjfa-56739	91	3	financial	financial	ADJ
cjfa-56739	91	4	attitude	attitude	NOUN
cjfa-56739	91	5	demonstrates	demonstrate	VERB
cjfa-56739	91	6	strong	strong	ADJ
cjfa-56739	91	7	positive	positive	ADJ
cjfa-56739	91	8	correlations	correlation	NOUN
cjfa-56739	91	9	with	with	ADP
cjfa-56739	91	10	both	both	CCONJ
cjfa-56739	91	11	personal	personal	ADJ
cjfa-56739	91	12	experience	experience	NOUN
cjfa-56739	91	13	and	and	CCONJ
cjfa-56739	91	14	subjective	subjective	ADJ
cjfa-56739	91	15	norms	norm	NOUN
cjfa-56739	91	16	,	,	PUNCT
cjfa-56739	91	17	also	also	ADV
cjfa-56739	91	18	being	be	AUX
cjfa-56739	91	19	statistically	statistically	ADV
cjfa-56739	91	20	significant	significant	ADJ
cjfa-56739	91	21	at	at	ADP
cjfa-56739	91	22	the	the	DET
cjfa-56739	91	23	0.01	0.01	NUM
cjfa-56739	91	24	level	level	NOUN
cjfa-56739	91	25	.	.	PUNCT
cjfa-56739	92	1	this	this	PRON
cjfa-56739	92	2	suggests	suggest	VERB
cjfa-56739	92	3	a	a	DET
cjfa-56739	92	4	substantial	substantial	ADJ
cjfa-56739	92	5	connection	connection	NOUN
cjfa-56739	92	6	between	between	ADP
cjfa-56739	92	7	financial	financial	ADJ
cjfa-56739	92	8	attitude	attitude	NOUN
cjfa-56739	92	9	,	,	PUNCT
cjfa-56739	92	10	personal	personal	ADJ
cjfa-56739	92	11	experience	experience	NOUN
cjfa-56739	92	12	,	,	PUNCT
cjfa-56739	92	13	and	and	CCONJ
cjfa-56739	92	14	subjective	subjective	ADJ
cjfa-56739	92	15	norms	norm	NOUN
cjfa-56739	92	16	.	.	PUNCT
cjfa-56739	93	1	additionally	additionally	ADV
cjfa-56739	93	2	,	,	PUNCT
cjfa-56739	93	3	a	a	DET
cjfa-56739	93	4	significant	significant	ADJ
cjfa-56739	93	5	positive	positive	ADJ
cjfa-56739	93	6	correlation	correlation	NOUN
cjfa-56739	93	7	is	be	AUX
cjfa-56739	93	8	observed	observe	VERB
cjfa-56739	93	9	between	between	ADP
cjfa-56739	93	10	personal	personal	ADJ
cjfa-56739	93	11	experience	experience	NOUN
cjfa-56739	93	12	and	and	CCONJ
cjfa-56739	93	13	financial	financial	ADJ
cjfa-56739	93	14	self	self	NOUN
cjfa-56739	93	15	-	-	PUNCT
cjfa-56739	93	16	efficacy	efficacy	NOUN
cjfa-56739	93	17	at	at	ADP
cjfa-56739	93	18	the	the	DET
cjfa-56739	93	19	0.01	0.01	NUM
cjfa-56739	93	20	level	level	NOUN
cjfa-56739	93	21	,	,	PUNCT
cjfa-56739	93	22	underscoring	underscore	VERB
cjfa-56739	93	23	the	the	DET
cjfa-56739	93	24	relevance	relevance	NOUN
cjfa-56739	93	25	of	of	ADP
cjfa-56739	93	26	personal	personal	ADJ
cjfa-56739	93	27	experience	experience	NOUN
cjfa-56739	93	28	to	to	ADP
cjfa-56739	93	29	mediating	mediate	VERB
cjfa-56739	93	30	variable	variable	NOUN
cjfa-56739	93	31	and	and	CCONJ
cjfa-56739	93	32	other	other	ADJ
cjfa-56739	93	33	demand	demand	NOUN
cjfa-56739	93	34	side	side	NOUN
cjfa-56739	93	35	factors	factor	NOUN
cjfa-56739	93	36	.	.	PUNCT
cjfa-56739	94	1	subjective	subjective	ADJ
cjfa-56739	94	2	norms	norm	NOUN
cjfa-56739	94	3	exhibit	exhibit	VERB
cjfa-56739	94	4	strong	strong	ADJ
cjfa-56739	94	5	positive	positive	ADJ
cjfa-56739	94	6	correlations	correlation	NOUN
cjfa-56739	94	7	with	with	ADP
cjfa-56739	94	8	financial	financial	ADJ
cjfa-56739	94	9	self	self	NOUN
cjfa-56739	94	10	-	-	PUNCT
cjfa-56739	94	11	efficacy	efficacy	NOUN
cjfa-56739	94	12	,	,	PUNCT
cjfa-56739	94	13	financial	financial	ADJ
cjfa-56739	94	14	attitude	attitude	NOUN
cjfa-56739	94	15	,	,	PUNCT
cjfa-56739	94	16	and	and	CCONJ
cjfa-56739	94	17	personal	personal	ADJ
cjfa-56739	94	18	experience	experience	NOUN
cjfa-56739	94	19	,	,	PUNCT
cjfa-56739	94	20	all	all	PRON
cjfa-56739	94	21	of	of	ADP
cjfa-56739	94	22	which	which	PRON
cjfa-56739	94	23	are	be	AUX
cjfa-56739	94	24	statistically	statistically	ADV
cjfa-56739	94	25	significant	significant	ADJ
cjfa-56739	94	26	at	at	ADP
cjfa-56739	94	27	the	the	DET
cjfa-56739	94	28	0.01	0.01	NUM
cjfa-56739	94	29	level	level	NOUN
cjfa-56739	94	30	.	.	PUNCT
cjfa-56739	95	1	in	in	ADP
cjfa-56739	95	2	essence	essence	NOUN
cjfa-56739	95	3	,	,	PUNCT
cjfa-56739	95	4	the	the	DET
cjfa-56739	95	5	correlation	correlation	NOUN
cjfa-56739	95	6	matrix	matrix	NOUN
cjfa-56739	95	7	underscores	underscore	VERB
cjfa-56739	95	8	significant	significant	ADJ
cjfa-56739	95	9	and	and	CCONJ
cjfa-56739	95	10	positive	positive	ADJ
cjfa-56739	95	11	relationships	relationship	NOUN
cjfa-56739	95	12	among	among	ADP
cjfa-56739	95	13	financial	financial	ADJ
cjfa-56739	95	14	self	self	NOUN
cjfa-56739	95	15	-	-	PUNCT
cjfa-56739	95	16	efficacy	efficacy	NOUN
cjfa-56739	95	17	,	,	PUNCT
cjfa-56739	95	18	financial	financial	ADJ
cjfa-56739	95	19	attitude	attitude	NOUN
cjfa-56739	95	20	,	,	PUNCT
cjfa-56739	95	21	personal	personal	ADJ
cjfa-56739	95	22	experience	experience	NOUN
cjfa-56739	95	23	,	,	PUNCT
cjfa-56739	95	24	and	and	CCONJ
cjfa-56739	95	25	subjective	subjective	ADJ
cjfa-56739	95	26	norms	norm	NOUN
cjfa-56739	95	27	.	.	PUNCT
cjfa-56739	96	1	these	these	DET
cjfa-56739	96	2	findings	finding	NOUN
cjfa-56739	96	3	imply	imply	VERB
cjfa-56739	96	4	interrelatedness	interrelatedness	NOUN
cjfa-56739	96	5	among	among	ADP
cjfa-56739	96	6	these	these	DET
cjfa-56739	96	7	factors	factor	NOUN
cjfa-56739	96	8	,	,	PUNCT
cjfa-56739	96	9	contributing	contribute	VERB
cjfa-56739	96	10	to	to	ADP
cjfa-56739	96	11	a	a	DET
cjfa-56739	96	12	substantial	substantial	ADJ
cjfa-56739	96	13	impact	impact	NOUN
cjfa-56739	96	14	on	on	ADP
cjfa-56739	96	15	mediating	mediate	VERB
cjfa-56739	96	16	variable	variable	NOUN
cjfa-56739	96	17	and	and	CCONJ
cjfa-56739	96	18	,	,	PUNCT
cjfa-56739	96	19	consequently	consequently	ADV
cjfa-56739	96	20	,	,	PUNCT
cjfa-56739	96	21	financial	financial	ADJ
cjfa-56739	96	22	inclusion	inclusion	NOUN
cjfa-56739	96	23	.	.	PUNCT
cjfa-56739	97	1	abdullahi	abdullahi	PROPN
cjfa-56739	97	2	adio	adio	PROPN
cjfa-56739	97	3	babatunde3636	babatunde3636	PROPN
cjfa-56739	97	4	table	table	NOUN
cjfa-56739	97	5	2	2	NUM
cjfa-56739	97	6	.	.	PUNCT
cjfa-56739	97	7	correlation	correlation	NOUN
cjfa-56739	97	8	matrix	matrix	NOUN
cjfa-56739	97	9	financial	financial	ADJ
cjfa-56739	97	10	self	self	NOUN
cjfa-56739	97	11	-	-	PUNCT
cjfa-56739	97	12	efficacy	efficacy	NOUN
cjfa-56739	97	13	financial	financial	ADJ
cjfa-56739	97	14	attitude	attitude	NOUN
cjfa-56739	97	15	personal	personal	ADJ
cjfa-56739	97	16	experience	experience	NOUN
cjfa-56739	97	17	subjective	subjective	ADJ
cjfa-56739	97	18	norms	norm	NOUN
cjfa-56739	97	19	financial	financial	ADJ
cjfa-56739	97	20	self	self	NOUN
cjfa-56739	97	21	-	-	PUNCT
cjfa-56739	97	22	efficacy	efficacy	NOUN
cjfa-56739	97	23	pearson	pearson	NOUN
cjfa-56739	97	24	correlation	correlation	NOUN
cjfa-56739	97	25	1	1	NUM
cjfa-56739	97	26	.967	.967	NOUN
cjfa-56739	97	27	*	*	NOUN
cjfa-56739	97	28	*	*	NOUN
cjfa-56739	97	29	.841	.841	NUM
cjfa-56739	97	30	*	*	PUNCT
cjfa-56739	97	31	*	*	NOUN
cjfa-56739	97	32	.885	.885	NUM
cjfa-56739	97	33	*	*	PUNCT
cjfa-56739	97	34	*	*	PUNCT
cjfa-56739	97	35	sig	sig	X
cjfa-56739	97	36	.	.	PUNCT
cjfa-56739	98	1	(	(	PUNCT
cjfa-56739	98	2	2	2	NUM
cjfa-56739	98	3	-	-	PUNCT
cjfa-56739	98	4	tailed	tailed	ADJ
cjfa-56739	98	5	)	)	PUNCT
cjfa-56739	98	6	.000	.000	NUM
cjfa-56739	99	1	.000	.000	NUM
cjfa-56739	99	2	.000	.000	NUM
cjfa-56739	99	3	n	n	CCONJ
cjfa-56739	99	4	346	346	NUM
cjfa-56739	99	5	346	346	NUM
cjfa-56739	99	6	346	346	NUM
cjfa-56739	99	7	346	346	NUM
cjfa-56739	99	8	financial	financial	ADJ
cjfa-56739	99	9	attitude	attitude	NOUN
cjfa-56739	99	10	pearson	pearson	NOUN
cjfa-56739	99	11	correlation	correlation	NOUN
cjfa-56739	99	12	.967	.967	NOUN
cjfa-56739	99	13	*	*	NOUN
cjfa-56739	99	14	*	*	NOUN
cjfa-56739	99	15	1	1	NUM
cjfa-56739	99	16	.878	.878	NUM
cjfa-56739	99	17	*	*	NOUN
cjfa-56739	99	18	*	*	NOUN
cjfa-56739	99	19	.910	.910	NUM
cjfa-56739	99	20	*	*	PUNCT
cjfa-56739	99	21	*	*	PUNCT
cjfa-56739	99	22	sig	sig	X
cjfa-56739	99	23	.	.	PUNCT
cjfa-56739	100	1	(	(	PUNCT
cjfa-56739	100	2	2	2	NUM
cjfa-56739	100	3	-	-	PUNCT
cjfa-56739	100	4	tailed	tailed	ADJ
cjfa-56739	100	5	)	)	PUNCT
cjfa-56739	100	6	.000	.000	NUM
cjfa-56739	101	1	.000	.000	NUM
cjfa-56739	101	2	.000	.000	NUM
cjfa-56739	101	3	n	n	CCONJ
cjfa-56739	101	4	346	346	NUM
cjfa-56739	101	5	346	346	NUM
cjfa-56739	101	6	346	346	NUM
cjfa-56739	101	7	346	346	NUM
cjfa-56739	101	8	personal	personal	ADJ
cjfa-56739	101	9	experience	experience	NOUN
cjfa-56739	101	10	pearson	pearson	NOUN
cjfa-56739	101	11	correlation	correlation	NOUN
cjfa-56739	101	12	.841	.841	NUM
cjfa-56739	101	13	*	*	PUNCT
cjfa-56739	101	14	*	*	PUNCT
cjfa-56739	101	15	.878	.878	NUM
cjfa-56739	101	16	*	*	PUNCT
cjfa-56739	101	17	*	*	NOUN
cjfa-56739	101	18	1	1	NUM
cjfa-56739	101	19	.832	.832	NUM
cjfa-56739	101	20	*	*	NOUN
cjfa-56739	101	21	*	*	X
cjfa-56739	101	22	sig	sig	X
cjfa-56739	101	23	.	.	PUNCT
cjfa-56739	102	1	(	(	PUNCT
cjfa-56739	102	2	2	2	NUM
cjfa-56739	102	3	-	-	PUNCT
cjfa-56739	102	4	tailed	tailed	ADJ
cjfa-56739	102	5	)	)	PUNCT
cjfa-56739	102	6	.000	.000	NUM
cjfa-56739	103	1	.000	.000	NUM
cjfa-56739	103	2	.000	.000	NUM
cjfa-56739	103	3	n	n	CCONJ
cjfa-56739	103	4	346	346	NUM
cjfa-56739	103	5	346	346	NUM
cjfa-56739	103	6	346	346	NUM
cjfa-56739	103	7	346	346	NUM
cjfa-56739	103	8	subjective	subjective	ADJ
cjfa-56739	103	9	norms	norm	NOUN
cjfa-56739	103	10	pearson	pearson	NOUN
cjfa-56739	103	11	correlation	correlation	NOUN
cjfa-56739	103	12	.885	.885	NUM
cjfa-56739	103	13	*	*	X
cjfa-56739	103	14	*	*	NOUN
cjfa-56739	103	15	.910	.910	NUM
cjfa-56739	103	16	*	*	PUNCT
cjfa-56739	103	17	*	*	NOUN
cjfa-56739	103	18	.832	.832	NUM
cjfa-56739	103	19	*	*	PUNCT
cjfa-56739	103	20	*	*	PROPN
cjfa-56739	103	21	1	1	NUM
cjfa-56739	103	22	sig	sig	NOUN
cjfa-56739	103	23	.	.	PUNCT
cjfa-56739	104	1	(	(	PUNCT
cjfa-56739	104	2	2	2	NUM
cjfa-56739	104	3	-	-	PUNCT
cjfa-56739	104	4	tailed	tailed	ADJ
cjfa-56739	104	5	)	)	PUNCT
cjfa-56739	104	6	.000	.000	NUM
cjfa-56739	105	1	.000	.000	NUM
cjfa-56739	105	2	.000	.000	NUM
cjfa-56739	105	3	n	n	CCONJ
cjfa-56739	105	4	346	346	NUM
cjfa-56739	105	5	346	346	NUM
cjfa-56739	105	6	346	346	NUM
cjfa-56739	105	7	346	346	NUM
cjfa-56739	105	8	n	n	NUM
cjfa-56739	105	9	o	o	NOUN
cjfa-56739	105	10	t	t	NOUN
cjfa-56739	105	11	e	e	NOUN
cjfa-56739	105	12	:	:	PUNCT
cjfa-56739	105	13	*	*	PUNCT
cjfa-56739	105	14	*	*	PUNCT
cjfa-56739	105	15	correlation	correlation	NOUN
cjfa-56739	105	16	is	be	AUX
cjfa-56739	105	17	significant	significant	ADJ
cjfa-56739	105	18	at	at	ADP
cjfa-56739	105	19	the	the	DET
cjfa-56739	105	20	0.01	0.01	NUM
cjfa-56739	105	21	level	level	NOUN
cjfa-56739	105	22	(	(	PUNCT
cjfa-56739	105	23	2	2	NUM
cjfa-56739	105	24	-	-	PUNCT
cjfa-56739	105	25	tailed	tailed	ADJ
cjfa-56739	105	26	)	)	PUNCT
cjfa-56739	105	27	.	.	PUNCT
cjfa-56739	106	1	s	s	PART
cjfa-56739	106	2	o	o	X
cjfa-56739	106	3	u	u	NOUN
cjfa-56739	106	4	r	r	NOUN
cjfa-56739	106	5	c	c	NOUN
cjfa-56739	106	6	e	e	X
cjfa-56739	106	7	:	:	PUNCT
cjfa-56739	106	8	author`s	author`s	PROPN
cjfa-56739	106	9	computations	computations	PROPN
cjfa-56739	106	10	.	.	PUNCT
cjfa-56739	107	1	descriptive	descriptive	ADJ
cjfa-56739	107	2	statisticsdescriptive	statisticsdescriptive	ADJ
cjfa-56739	107	3	statistics	statistic	NOUN
cjfa-56739	107	4	the	the	DET
cjfa-56739	107	5	study	study	NOUN
cjfa-56739	107	6	’s	’s	PART
cjfa-56739	107	7	results	result	NOUN
cjfa-56739	107	8	indicate	indicate	VERB
cjfa-56739	107	9	that	that	SCONJ
cjfa-56739	107	10	among	among	ADP
cjfa-56739	107	11	msmes	msme	NOUN
cjfa-56739	107	12	in	in	ADP
cjfa-56739	107	13	oyo	oyo	NOUN
cjfa-56739	107	14	state	state	NOUN
cjfa-56739	107	15	,	,	PUNCT
cjfa-56739	107	16	a	a	DET
cjfa-56739	107	17	higher	high	ADJ
cjfa-56739	107	18	percentage	percentage	NOUN
cjfa-56739	107	19	of	of	ADP
cjfa-56739	107	20	male	male	ADJ
cjfa-56739	107	21	respondents	respondent	NOUN
cjfa-56739	107	22	(	(	PUNCT
cjfa-56739	107	23	72.9	72.9	NUM
cjfa-56739	107	24	%	%	NOUN
cjfa-56739	107	25	)	)	PUNCT
cjfa-56739	107	26	was	be	AUX
cjfa-56739	107	27	observed	observe	VERB
cjfa-56739	107	28	compared	compare	VERB
cjfa-56739	107	29	to	to	ADP
cjfa-56739	107	30	female	female	ADJ
cjfa-56739	107	31	respondents	respondent	NOUN
cjfa-56739	107	32	(	(	PUNCT
cjfa-56739	107	33	27.1	27.1	NUM
cjfa-56739	107	34	%	%	NOUN
cjfa-56739	107	35	)	)	PUNCT
cjfa-56739	107	36	.	.	PUNCT
cjfa-56739	108	1	this	this	DET
cjfa-56739	108	2	gender	gender	NOUN
cjfa-56739	108	3	distribution	distribution	NOUN
cjfa-56739	108	4	underscores	underscore	VERB
cjfa-56739	108	5	a	a	DET
cjfa-56739	108	6	notable	notable	ADJ
cjfa-56739	108	7	predominance	predominance	NOUN
cjfa-56739	108	8	of	of	ADP
cjfa-56739	108	9	male	male	ADJ
cjfa-56739	108	10	entrepreneurs	entrepreneur	NOUN
cjfa-56739	108	11	in	in	ADP
cjfa-56739	108	12	the	the	DET
cjfa-56739	108	13	sample	sample	NOUN
cjfa-56739	108	14	,	,	PUNCT
cjfa-56739	108	15	potentially	potentially	ADV
cjfa-56739	108	16	reflecting	reflect	VERB
cjfa-56739	108	17	wider	wide	ADJ
cjfa-56739	108	18	gender	gender	NOUN
cjfa-56739	108	19	imbalances	imbalance	NOUN
cjfa-56739	108	20	in	in	ADP
cjfa-56739	108	21	entrepreneurship	entrepreneurship	NOUN
cjfa-56739	108	22	within	within	ADP
cjfa-56739	108	23	the	the	DET
cjfa-56739	108	24	region	region	NOUN
cjfa-56739	108	25	.	.	PUNCT
cjfa-56739	109	1	analysis	analysis	NOUN
cjfa-56739	109	2	of	of	ADP
cjfa-56739	109	3	marital	marital	ADJ
cjfa-56739	109	4	status	status	NOUN
cjfa-56739	109	5	reveals	reveal	VERB
cjfa-56739	109	6	that	that	SCONJ
cjfa-56739	109	7	the	the	DET
cjfa-56739	109	8	highest	high	ADJ
cjfa-56739	109	9	proportion	proportion	NOUN
cjfa-56739	109	10	of	of	ADP
cjfa-56739	109	11	respondents	respondent	NOUN
cjfa-56739	109	12	are	be	AUX
cjfa-56739	109	13	single	single	ADJ
cjfa-56739	109	14	(	(	PUNCT
cjfa-56739	109	15	42.7	42.7	NUM
cjfa-56739	109	16	%	%	NOUN
cjfa-56739	109	17	)	)	PUNCT
cjfa-56739	109	18	,	,	PUNCT
cjfa-56739	109	19	followed	follow	VERB
cjfa-56739	109	20	by	by	ADP
cjfa-56739	109	21	married	married	ADJ
cjfa-56739	109	22	individuals	individual	NOUN
cjfa-56739	109	23	(	(	PUNCT
cjfa-56739	109	24	38.8	38.8	NUM
cjfa-56739	109	25	%	%	NOUN
cjfa-56739	109	26	)	)	PUNCT
cjfa-56739	109	27	,	,	PUNCT
cjfa-56739	109	28	and	and	CCONJ
cjfa-56739	109	29	then	then	ADV
cjfa-56739	109	30	divorced	divorce	VERB
cjfa-56739	109	31	individuals	individual	NOUN
cjfa-56739	109	32	(	(	PUNCT
cjfa-56739	109	33	18.5	18.5	NUM
cjfa-56739	109	34	%	%	NOUN
cjfa-56739	109	35	)	)	PUNCT
cjfa-56739	109	36	.	.	PUNCT
cjfa-56739	110	1	this	this	DET
cjfa-56739	110	2	diversity	diversity	NOUN
cjfa-56739	110	3	in	in	ADP
cjfa-56739	110	4	marital	marital	ADJ
cjfa-56739	110	5	statuses	status	NOUN
cjfa-56739	110	6	highlights	highlight	VERB
cjfa-56739	110	7	the	the	DET
cjfa-56739	110	8	varied	varied	ADJ
cjfa-56739	110	9	backgrounds	background	NOUN
cjfa-56739	110	10	of	of	ADP
cjfa-56739	110	11	msme	msme	NOUN
cjfa-56739	110	12	owners	owner	NOUN
cjfa-56739	110	13	participating	participate	VERB
cjfa-56739	110	14	in	in	ADP
cjfa-56739	110	15	the	the	DET
cjfa-56739	110	16	study	study	NOUN
cjfa-56739	110	17	.	.	PUNCT
cjfa-56739	111	1	regarding	regard	VERB
cjfa-56739	111	2	educational	educational	ADJ
cjfa-56739	111	3	qualifications	qualification	NOUN
cjfa-56739	111	4	,	,	PUNCT
cjfa-56739	111	5	a	a	DET
cjfa-56739	111	6	considerable	considerable	ADJ
cjfa-56739	111	7	number	number	NOUN
cjfa-56739	111	8	of	of	ADP
cjfa-56739	111	9	msme	msme	NOUN
cjfa-56739	111	10	owners	owner	NOUN
cjfa-56739	111	11	possess	possess	VERB
cjfa-56739	111	12	primary	primary	ADJ
cjfa-56739	111	13	school	school	NOUN
cjfa-56739	111	14	certificates	certificate	NOUN
cjfa-56739	111	15	(	(	PUNCT
cjfa-56739	111	16	16.1	16.1	NUM
cjfa-56739	111	17	%	%	NOUN
cjfa-56739	111	18	)	)	PUNCT
cjfa-56739	111	19	,	,	PUNCT
cjfa-56739	111	20	secondary	secondary	ADJ
cjfa-56739	111	21	certificates	certificate	NOUN
cjfa-56739	111	22	(	(	PUNCT
cjfa-56739	111	23	26	26	NUM
cjfa-56739	111	24	%	%	NOUN
cjfa-56739	111	25	)	)	PUNCT
cjfa-56739	111	26	,	,	PUNCT
cjfa-56739	111	27	and	and	CCONJ
cjfa-56739	111	28	graduate	graduate	NOUN
cjfa-56739	111	29	degrees	degree	NOUN
cjfa-56739	111	30	(	(	PUNCT
cjfa-56739	111	31	22.4	22.4	NUM
cjfa-56739	111	32	%	%	NOUN
cjfa-56739	111	33	)	)	PUNCT
cjfa-56739	111	34	.	.	PUNCT
cjfa-56739	112	1	additionally	additionally	ADV
cjfa-56739	112	2	,	,	PUNCT
cjfa-56739	112	3	there	there	PRON
cjfa-56739	112	4	is	be	VERB
cjfa-56739	112	5	a	a	DET
cjfa-56739	112	6	significant	significant	ADJ
cjfa-56739	112	7	presence	presence	NOUN
cjfa-56739	112	8	of	of	ADP
cjfa-56739	112	9	individuals	individual	NOUN
cjfa-56739	112	10	with	with	ADP
cjfa-56739	112	11	advanced	advanced	ADJ
cjfa-56739	112	12	degrees	degree	NOUN
cjfa-56739	112	13	such	such	ADJ
cjfa-56739	112	14	as	as	ADP
cjfa-56739	112	15	demand	demand	NOUN
cjfa-56739	112	16	side	side	NOUN
cjfa-56739	112	17	factors	factor	NOUN
cjfa-56739	112	18	and	and	CCONJ
cjfa-56739	112	19	financial	financial	ADJ
cjfa-56739	112	20	inclusion	inclusion	NOUN
cjfa-56739	112	21	…	…	PUNCT
cjfa-56739	112	22	3737	3737	NUM
cjfa-56739	112	23	m.sc	m.sc	PROPN
cjfa-56739	112	24	.	.	PUNCT
cjfa-56739	113	1	(	(	PUNCT
cjfa-56739	113	2	17.7	17.7	NUM
cjfa-56739	113	3	%	%	NOUN
cjfa-56739	113	4	)	)	PUNCT
cjfa-56739	113	5	and	and	CCONJ
cjfa-56739	113	6	ph.d	ph.d	PROPN
cjfa-56739	113	7	.	.	PUNCT
cjfa-56739	114	1	(	(	PUNCT
cjfa-56739	114	2	17.7	17.7	NUM
cjfa-56739	114	3	%	%	NOUN
cjfa-56739	114	4	)	)	PUNCT
cjfa-56739	114	5	.	.	PUNCT
cjfa-56739	115	1	this	this	DET
cjfa-56739	115	2	diversity	diversity	NOUN
cjfa-56739	115	3	in	in	ADP
cjfa-56739	115	4	educational	educational	ADJ
cjfa-56739	115	5	backgrounds	background	NOUN
cjfa-56739	115	6	suggests	suggest	VERB
cjfa-56739	115	7	a	a	DET
cjfa-56739	115	8	mix	mix	NOUN
cjfa-56739	115	9	of	of	ADP
cjfa-56739	115	10	skills	skill	NOUN
cjfa-56739	115	11	and	and	CCONJ
cjfa-56739	115	12	expertise	expertise	NOUN
cjfa-56739	115	13	among	among	ADP
cjfa-56739	115	14	msme	msme	NOUN
cjfa-56739	115	15	owners	owner	NOUN
cjfa-56739	115	16	.	.	PUNCT
cjfa-56739	116	1	in	in	ADP
cjfa-56739	116	2	terms	term	NOUN
cjfa-56739	116	3	of	of	ADP
cjfa-56739	116	4	professional	professional	ADJ
cjfa-56739	116	5	qualifications	qualification	NOUN
cjfa-56739	116	6	,	,	PUNCT
cjfa-56739	116	7	respondents	respondent	NOUN
cjfa-56739	116	8	exhibit	exhibit	VERB
cjfa-56739	116	9	diversity	diversity	NOUN
cjfa-56739	116	10	,	,	PUNCT
cjfa-56739	116	11	with	with	ADP
cjfa-56739	116	12	ican	ican	PROPN
cjfa-56739	116	13	(	(	PUNCT
cjfa-56739	116	14	34.4	34.4	NUM
cjfa-56739	116	15	%	%	NOUN
cjfa-56739	116	16	)	)	PUNCT
cjfa-56739	116	17	and	and	CCONJ
cjfa-56739	116	18	anan	anan	PROPN
cjfa-56739	116	19	(	(	PUNCT
cjfa-56739	116	20	19.5	19.5	NUM
cjfa-56739	116	21	%	%	NOUN
cjfa-56739	116	22	)	)	PUNCT
cjfa-56739	116	23	being	be	AUX
cjfa-56739	116	24	the	the	DET
cjfa-56739	116	25	most	most	ADV
cjfa-56739	116	26	prevalent	prevalent	ADJ
cjfa-56739	116	27	.	.	PUNCT
cjfa-56739	117	1	the	the	DET
cjfa-56739	117	2	inclusion	inclusion	NOUN
cjfa-56739	117	3	of	of	ADP
cjfa-56739	117	4	cibn	cibn	NOUN
cjfa-56739	117	5	(	(	PUNCT
cjfa-56739	117	6	18.2	18.2	NUM
cjfa-56739	117	7	%	%	NOUN
cjfa-56739	117	8	)	)	PUNCT
cjfa-56739	117	9	and	and	CCONJ
cjfa-56739	117	10	other	other	ADJ
cjfa-56739	117	11	professional	professional	ADJ
cjfa-56739	117	12	qualifications	qualification	NOUN
cjfa-56739	117	13	(	(	PUNCT
cjfa-56739	117	14	9.6	9.6	NUM
cjfa-56739	117	15	%	%	NOUN
cjfa-56739	117	16	)	)	PUNCT
cjfa-56739	117	17	further	far	ADV
cjfa-56739	117	18	contributes	contribute	VERB
cjfa-56739	117	19	to	to	ADP
cjfa-56739	117	20	this	this	DET
cjfa-56739	117	21	diversity	diversity	NOUN
cjfa-56739	117	22	.	.	PUNCT
cjfa-56739	118	1	moreover	moreover	ADV
cjfa-56739	118	2	,	,	PUNCT
cjfa-56739	118	3	a	a	DET
cjfa-56739	118	4	notable	notable	ADJ
cjfa-56739	118	5	percentage	percentage	NOUN
cjfa-56739	118	6	(	(	PUNCT
cjfa-56739	118	7	18.2	18.2	NUM
cjfa-56739	118	8	%	%	NOUN
cjfa-56739	118	9	)	)	PUNCT
cjfa-56739	118	10	indicated	indicate	VERB
cjfa-56739	118	11	no	no	DET
cjfa-56739	118	12	professional	professional	ADJ
cjfa-56739	118	13	qualifications	qualification	NOUN
cjfa-56739	118	14	.	.	PUNCT
cjfa-56739	119	1	this	this	DET
cjfa-56739	119	2	distribution	distribution	NOUN
cjfa-56739	119	3	signifies	signify	VERB
cjfa-56739	119	4	a	a	DET
cjfa-56739	119	5	range	range	NOUN
cjfa-56739	119	6	of	of	ADP
cjfa-56739	119	7	specialized	specialized	ADJ
cjfa-56739	119	8	knowledge	knowledge	NOUN
cjfa-56739	119	9	and	and	CCONJ
cjfa-56739	119	10	training	training	NOUN
cjfa-56739	119	11	among	among	ADP
cjfa-56739	119	12	msme	msme	NOUN
cjfa-56739	119	13	entrepreneurs	entrepreneur	NOUN
cjfa-56739	119	14	.	.	PUNCT
cjfa-56739	120	1	categorizing	categorize	VERB
cjfa-56739	120	2	msmes	msme	NOUN
cjfa-56739	120	3	by	by	ADP
cjfa-56739	120	4	size	size	NOUN
cjfa-56739	120	5	,	,	PUNCT
cjfa-56739	120	6	the	the	DET
cjfa-56739	120	7	majority	majority	NOUN
cjfa-56739	120	8	are	be	AUX
cjfa-56739	120	9	small	small	ADJ
cjfa-56739	120	10	-	-	PUNCT
cjfa-56739	120	11	sized	sized	ADJ
cjfa-56739	120	12	(	(	PUNCT
cjfa-56739	120	13	50	50	NUM
cjfa-56739	120	14	%	%	NOUN
cjfa-56739	120	15	)	)	PUNCT
cjfa-56739	120	16	,	,	PUNCT
cjfa-56739	120	17	followed	follow	VERB
cjfa-56739	120	18	by	by	ADP
cjfa-56739	120	19	micro	micro	ADJ
cjfa-56739	120	20	-	-	ADJ
cjfa-56739	120	21	sized	sized	ADJ
cjfa-56739	120	22	msmes	msme	NOUN
cjfa-56739	120	23	(	(	PUNCT
cjfa-56739	120	24	32.8	32.8	NUM
cjfa-56739	120	25	%	%	NOUN
cjfa-56739	120	26	)	)	PUNCT
cjfa-56739	120	27	and	and	CCONJ
cjfa-56739	120	28	mediumsized	mediumsize	VERB
cjfa-56739	120	29	msmes	msme	NOUN
cjfa-56739	120	30	(	(	PUNCT
cjfa-56739	120	31	17.2	17.2	NUM
cjfa-56739	120	32	%	%	NOUN
cjfa-56739	120	33	)	)	PUNCT
cjfa-56739	120	34	.	.	PUNCT
cjfa-56739	121	1	this	this	DET
cjfa-56739	121	2	breakdown	breakdown	NOUN
cjfa-56739	121	3	sheds	shed	VERB
cjfa-56739	121	4	light	light	NOUN
cjfa-56739	121	5	on	on	ADP
cjfa-56739	121	6	the	the	DET
cjfa-56739	121	7	prevalence	prevalence	NOUN
cjfa-56739	121	8	of	of	ADP
cjfa-56739	121	9	smallscale	smallscale	ADJ
cjfa-56739	121	10	entrepreneurial	entrepreneurial	ADJ
cjfa-56739	121	11	ventures	venture	NOUN
cjfa-56739	121	12	in	in	ADP
cjfa-56739	121	13	the	the	DET
cjfa-56739	121	14	selected	select	VERB
cjfa-56739	121	15	local	local	ADJ
cjfa-56739	121	16	government	government	NOUN
cjfa-56739	121	17	in	in	ADP
cjfa-56739	121	18	oyo	oyo	NOUN
cjfa-56739	121	19	state	state	NOUN
cjfa-56739	121	20	.	.	PUNCT
cjfa-56739	122	1	these	these	DET
cjfa-56739	122	2	summaries	summary	NOUN
cjfa-56739	122	3	succinctly	succinctly	ADV
cjfa-56739	122	4	capture	capture	VERB
cjfa-56739	122	5	key	key	ADJ
cjfa-56739	122	6	insights	insight	NOUN
cjfa-56739	122	7	from	from	ADP
cjfa-56739	122	8	the	the	DET
cjfa-56739	122	9	data	datum	NOUN
cjfa-56739	122	10	presented	present	VERB
cjfa-56739	122	11	in	in	ADP
cjfa-56739	122	12	the	the	DET
cjfa-56739	122	13	table	table	NOUN
cjfa-56739	122	14	.	.	PUNCT
cjfa-56739	123	1	table	table	NOUN
cjfa-56739	123	2	3	3	NUM
cjfa-56739	123	3	.	.	X
cjfa-56739	124	1	demographic	demographic	ADJ
cjfa-56739	124	2	characteristics	characteristic	NOUN
cjfa-56739	124	3	of	of	ADP
cjfa-56739	124	4	msmes	msme	NOUN
cjfa-56739	124	5	in	in	ADP
cjfa-56739	124	6	the	the	DET
cjfa-56739	124	7	selected	select	VERB
cjfa-56739	124	8	areas	area	NOUN
cjfa-56739	124	9	in	in	ADP
cjfa-56739	124	10	oyo	oyo	NOUN
cjfa-56739	124	11	state	state	NOUN
cjfa-56739	124	12	characteristics	characteristic	NOUN
cjfa-56739	124	13	category	category	NOUN
cjfa-56739	124	14	frequency	frequency	NOUN
cjfa-56739	124	15	percent	percent	NOUN
cjfa-56739	124	16	gender	gender	NOUN
cjfa-56739	124	17	of	of	ADP
cjfa-56739	124	18	respondents	respondent	NOUN
cjfa-56739	124	19	male	male	NOUN
cjfa-56739	124	20	253	253	NUM
cjfa-56739	124	21	72.9	72.9	NUM
cjfa-56739	124	22	female	female	NOUN
cjfa-56739	124	23	93	93	NUM
cjfa-56739	124	24	27.1	27.1	NUM
cjfa-56739	124	25	total	total	NOUN
cjfa-56739	124	26	346	346	NUM
cjfa-56739	124	27	100.00	100.00	NUM
cjfa-56739	124	28	marital	marital	ADJ
cjfa-56739	124	29	status	status	NOUN
cjfa-56739	124	30	single	single	ADJ
cjfa-56739	124	31	147.7	147.7	NUM
cjfa-56739	124	32	42.7	42.7	NUM
cjfa-56739	124	33	married	marry	VERB
cjfa-56739	124	34	134.2	134.2	NUM
cjfa-56739	124	35	38.8	38.8	NUM
cjfa-56739	124	36	divorce	divorce	NOUN
cjfa-56739	124	37	64	64	NUM
cjfa-56739	124	38	18.5	18.5	NUM
cjfa-56739	124	39	total	total	NOUN
cjfa-56739	124	40	346	346	NUM
cjfa-56739	124	41	100.00	100.00	NUM
cjfa-56739	124	42	academic	academic	ADJ
cjfa-56739	124	43	qualification	qualification	NOUN
cjfa-56739	124	44	primary	primary	NOUN
cjfa-56739	124	45	55.7	55.7	NUM
cjfa-56739	124	46	16.1	16.1	NUM
cjfa-56739	124	47	secondary	secondary	ADJ
cjfa-56739	124	48	89.9	89.9	NUM
cjfa-56739	124	49	26	26	NUM
cjfa-56739	124	50	graduate	graduate	NOUN
cjfa-56739	124	51	77.5	77.5	NUM
cjfa-56739	124	52	22.4	22.4	NUM
cjfa-56739	124	53	m.sc	m.sc	NOUN
cjfa-56739	124	54	.	.	PUNCT
cjfa-56739	125	1	61.2	61.2	NUM
cjfa-56739	125	2	17.7	17.7	NUM
cjfa-56739	125	3	ph.d	ph.d	NOUN
cjfa-56739	125	4	.	.	PUNCT
cjfa-56739	126	1	61.2	61.2	NUM
cjfa-56739	126	2	17.7	17.7	NUM
cjfa-56739	126	3	total	total	NOUN
cjfa-56739	126	4	346	346	NUM
cjfa-56739	126	5	100.00	100.00	NUM
cjfa-56739	126	6	abdullahi	abdullahi	PRON
cjfa-56739	126	7	adio	adio	PROPN
cjfa-56739	126	8	babatunde3838	babatunde3838	PROPN
cjfa-56739	126	9	characteristics	characteristic	NOUN
cjfa-56739	126	10	category	category	NOUN
cjfa-56739	126	11	frequency	frequency	NOUN
cjfa-56739	126	12	percent	percent	NOUN
cjfa-56739	126	13	professional	professional	ADJ
cjfa-56739	126	14	qualification	qualification	NOUN
cjfa-56739	126	15	ican	ican	VERB
cjfa-56739	126	16	119	119	NUM
cjfa-56739	126	17	34.4	34.4	NUM
cjfa-56739	126	18	anan	anan	NOUN
cjfa-56739	126	19	67.4	67.4	NUM
cjfa-56739	126	20	19.5	19.5	NUM
cjfa-56739	126	21	cibn	cibn	NOUN
cjfa-56739	126	22	62.9	62.9	NUM
cjfa-56739	126	23	18.2	18.2	NUM
cjfa-56739	126	24	others	other	NOUN
cjfa-56739	126	25	33.2	33.2	NUM
cjfa-56739	126	26	9.6	9.6	NUM
cjfa-56739	126	27	none	none	NOUN
cjfa-56739	126	28	62.9	62.9	NUM
cjfa-56739	126	29	18.2	18.2	NUM
cjfa-56739	126	30	total	total	NOUN
cjfa-56739	126	31	346	346	NUM
cjfa-56739	126	32	100.00	100.00	NUM
cjfa-56739	126	33	category	category	NOUN
cjfa-56739	126	34	of	of	ADP
cjfa-56739	126	35	sme	sme	PROPN
cjfa-56739	126	36	micro	micro	PROPN
cjfa-56739	126	37	113.4	113.4	NUM
cjfa-56739	126	38	32.8	32.8	NUM
cjfa-56739	126	39	small	small	ADJ
cjfa-56739	126	40	173	173	NUM
cjfa-56739	126	41	50	50	NUM
cjfa-56739	126	42	medium	medium	NOUN
cjfa-56739	126	43	59.5	59.5	NUM
cjfa-56739	126	44	17.2	17.2	NUM
cjfa-56739	126	45	total	total	NOUN
cjfa-56739	126	46	346	346	NUM
cjfa-56739	126	47	100.00	100.00	NUM
cjfa-56739	126	48	s	s	NOUN
cjfa-56739	126	49	o	o	NOUN
cjfa-56739	126	50	u	u	NOUN
cjfa-56739	126	51	r	r	NOUN
cjfa-56739	126	52	c	c	NOUN
cjfa-56739	126	53	e	e	X
cjfa-56739	126	54	:	:	PUNCT
cjfa-56739	126	55	author`s	author`s	PROPN
cjfa-56739	126	56	computations	computation	NOUN
cjfa-56739	126	57	.	.	PUNCT
cjfa-56739	127	1	the	the	DET
cjfa-56739	127	2	table	table	NOUN
cjfa-56739	127	3	below	below	ADP
cjfa-56739	127	4	displays	display	NOUN
cjfa-56739	127	5	regression	regression	VERB
cjfa-56739	127	6	coefficients	coefficient	NOUN
cjfa-56739	127	7	from	from	ADP
cjfa-56739	127	8	a	a	DET
cjfa-56739	127	9	structural	structural	ADJ
cjfa-56739	127	10	equation	equation	NOUN
cjfa-56739	127	11	model	model	NOUN
cjfa-56739	127	12	elucidating	elucidate	VERB
cjfa-56739	127	13	the	the	DET
cjfa-56739	127	14	correlation	correlation	NOUN
cjfa-56739	127	15	between	between	ADP
cjfa-56739	127	16	financial	financial	ADJ
cjfa-56739	127	17	inclusion	inclusion	NOUN
cjfa-56739	127	18	(	(	PUNCT
cjfa-56739	127	19	dependent	dependent	ADJ
cjfa-56739	127	20	variable	variable	NOUN
cjfa-56739	127	21	)	)	PUNCT
cjfa-56739	127	22	and	and	CCONJ
cjfa-56739	127	23	demand	demand	VERB
cjfa-56739	127	24	side	side	NOUN
cjfa-56739	127	25	factors	factor	NOUN
cjfa-56739	127	26	(	(	PUNCT
cjfa-56739	127	27	financial	financial	ADJ
cjfa-56739	127	28	attitude	attitude	NOUN
cjfa-56739	127	29	,	,	PUNCT
cjfa-56739	127	30	personal	personal	ADJ
cjfa-56739	127	31	experience	experience	NOUN
cjfa-56739	127	32	,	,	PUNCT
cjfa-56739	127	33	and	and	CCONJ
cjfa-56739	127	34	subjective	subjective	ADJ
cjfa-56739	127	35	norms	norm	NOUN
cjfa-56739	127	36	)	)	PUNCT
cjfa-56739	127	37	,	,	PUNCT
cjfa-56739	127	38	mediated	mediate	VERB
cjfa-56739	127	39	by	by	ADP
cjfa-56739	127	40	financial	financial	ADJ
cjfa-56739	127	41	self	self	NOUN
cjfa-56739	127	42	-	-	PUNCT
cjfa-56739	127	43	efficacy	efficacy	NOUN
cjfa-56739	127	44	.	.	PUNCT
cjfa-56739	128	1	the	the	DET
cjfa-56739	128	2	coefficient	coefficient	NOUN
cjfa-56739	128	3	for	for	ADP
cjfa-56739	128	4	financial	financial	ADJ
cjfa-56739	128	5	attitude	attitude	NOUN
cjfa-56739	128	6	(	(	PUNCT
cjfa-56739	128	7	1.377	1.377	NUM
cjfa-56739	128	8	)	)	PUNCT
cjfa-56739	128	9	indicates	indicate	VERB
cjfa-56739	128	10	that	that	SCONJ
cjfa-56739	128	11	a	a	DET
cjfa-56739	128	12	rise	rise	NOUN
cjfa-56739	128	13	of	of	ADP
cjfa-56739	128	14	one	one	NUM
cjfa-56739	128	15	unit	unit	NOUN
cjfa-56739	128	16	in	in	ADP
cjfa-56739	128	17	financial	financial	ADJ
cjfa-56739	128	18	attitude	attitude	NOUN
cjfa-56739	128	19	corresponds	correspond	VERB
cjfa-56739	128	20	to	to	ADP
cjfa-56739	128	21	a	a	DET
cjfa-56739	128	22	1.377	1.377	NUM
cjfa-56739	128	23	unit	unit	NOUN
cjfa-56739	128	24	increase	increase	NOUN
cjfa-56739	128	25	in	in	ADP
cjfa-56739	128	26	financial	financial	ADJ
cjfa-56739	128	27	inclusion	inclusion	NOUN
cjfa-56739	128	28	.	.	PUNCT
cjfa-56739	129	1	the	the	DET
cjfa-56739	129	2	significant	significant	ADJ
cjfa-56739	129	3	t	t	NOUN
cjfa-56739	129	4	-	-	PUNCT
cjfa-56739	129	5	value	value	NOUN
cjfa-56739	129	6	(	(	PUNCT
cjfa-56739	129	7	4.59	4.59	NUM
cjfa-56739	129	8	,	,	PUNCT
cjfa-56739	129	9	p	p	X
cjfa-56739	129	10	<	<	X
cjfa-56739	129	11	0.000	0.000	NUM
cjfa-56739	129	12	)	)	PUNCT
cjfa-56739	129	13	underscores	underscore	VERB
cjfa-56739	129	14	the	the	DET
cjfa-56739	129	15	importance	importance	NOUN
cjfa-56739	129	16	of	of	ADP
cjfa-56739	129	17	financial	financial	ADJ
cjfa-56739	129	18	attitude	attitude	NOUN
cjfa-56739	129	19	in	in	ADP
cjfa-56739	129	20	influencing	influence	VERB
cjfa-56739	129	21	financial	financial	ADJ
cjfa-56739	129	22	inclusion	inclusion	NOUN
cjfa-56739	129	23	through	through	ADP
cjfa-56739	129	24	the	the	DET
cjfa-56739	129	25	mediation	mediation	NOUN
cjfa-56739	129	26	of	of	ADP
cjfa-56739	129	27	financial	financial	ADJ
cjfa-56739	129	28	self	self	NOUN
cjfa-56739	129	29	-	-	PUNCT
cjfa-56739	129	30	efficacy	efficacy	NOUN
cjfa-56739	129	31	.	.	PUNCT
cjfa-56739	130	1	similarly	similarly	ADV
cjfa-56739	130	2	,	,	PUNCT
cjfa-56739	130	3	the	the	DET
cjfa-56739	130	4	coefficient	coefficient	NOUN
cjfa-56739	130	5	associated	associate	VERB
cjfa-56739	130	6	with	with	ADP
cjfa-56739	130	7	personal	personal	ADJ
cjfa-56739	130	8	experience	experience	NOUN
cjfa-56739	130	9	(	(	PUNCT
cjfa-56739	130	10	2.648	2.648	NUM
cjfa-56739	130	11	)	)	PUNCT
cjfa-56739	130	12	signifies	signify	VERB
cjfa-56739	130	13	that	that	SCONJ
cjfa-56739	130	14	a	a	DET
cjfa-56739	130	15	one	one	NUM
cjfa-56739	130	16	-	-	PUNCT
cjfa-56739	130	17	unit	unit	NOUN
cjfa-56739	130	18	increase	increase	NOUN
cjfa-56739	130	19	in	in	ADP
cjfa-56739	130	20	personal	personal	ADJ
cjfa-56739	130	21	experience	experience	NOUN
cjfa-56739	130	22	is	be	AUX
cjfa-56739	130	23	linked	link	VERB
cjfa-56739	130	24	to	to	ADP
cjfa-56739	130	25	a	a	DET
cjfa-56739	130	26	2.648	2.648	NUM
cjfa-56739	130	27	-	-	PUNCT
cjfa-56739	130	28	unit	unit	NOUN
cjfa-56739	130	29	rise	rise	NOUN
cjfa-56739	130	30	in	in	ADP
cjfa-56739	130	31	financial	financial	ADJ
cjfa-56739	130	32	inclusion	inclusion	NOUN
cjfa-56739	130	33	.	.	PUNCT
cjfa-56739	131	1	the	the	DET
cjfa-56739	131	2	statistically	statistically	ADV
cjfa-56739	131	3	significant	significant	ADJ
cjfa-56739	131	4	t	t	NOUN
cjfa-56739	131	5	-	-	PUNCT
cjfa-56739	131	6	value	value	NOUN
cjfa-56739	131	7	(	(	PUNCT
cjfa-56739	131	8	7.78	7.78	NUM
cjfa-56739	131	9	,	,	PUNCT
cjfa-56739	131	10	p	p	X
cjfa-56739	131	11	=	=	NOUN
cjfa-56739	131	12	0.003	0.003	NUM
cjfa-56739	131	13	)	)	PUNCT
cjfa-56739	131	14	indicates	indicate	VERB
cjfa-56739	131	15	a	a	DET
cjfa-56739	131	16	substantial	substantial	ADJ
cjfa-56739	131	17	influence	influence	NOUN
cjfa-56739	131	18	of	of	ADP
cjfa-56739	131	19	personal	personal	ADJ
cjfa-56739	131	20	experience	experience	NOUN
cjfa-56739	131	21	on	on	ADP
cjfa-56739	131	22	financial	financial	ADJ
cjfa-56739	131	23	inclusion	inclusion	NOUN
cjfa-56739	131	24	,	,	PUNCT
cjfa-56739	131	25	mediated	mediate	VERB
cjfa-56739	131	26	by	by	ADP
cjfa-56739	131	27	financial	financial	ADJ
cjfa-56739	131	28	self	self	NOUN
cjfa-56739	131	29	-	-	PUNCT
cjfa-56739	131	30	efficacy	efficacy	NOUN
cjfa-56739	131	31	.	.	PUNCT
cjfa-56739	132	1	for	for	ADP
cjfa-56739	132	2	subjective	subjective	ADJ
cjfa-56739	132	3	norms	norm	NOUN
cjfa-56739	132	4	,	,	PUNCT
cjfa-56739	132	5	the	the	DET
cjfa-56739	132	6	coefficient	coefficient	NOUN
cjfa-56739	132	7	of	of	ADP
cjfa-56739	132	8	2.340	2.340	NUM
cjfa-56739	132	9	suggests	suggest	VERB
cjfa-56739	132	10	that	that	SCONJ
cjfa-56739	132	11	each	each	DET
cjfa-56739	132	12	unit	unit	NOUN
cjfa-56739	132	13	increase	increase	VERB
cjfa-56739	132	14	in	in	ADP
cjfa-56739	132	15	subjective	subjective	ADJ
cjfa-56739	132	16	norms	norm	NOUN
cjfa-56739	132	17	leads	lead	VERB
cjfa-56739	132	18	to	to	ADP
cjfa-56739	132	19	a	a	DET
cjfa-56739	132	20	2.340	2.340	NUM
cjfa-56739	132	21	-	-	PUNCT
cjfa-56739	132	22	unit	unit	NOUN
cjfa-56739	132	23	increase	increase	NOUN
cjfa-56739	132	24	in	in	ADP
cjfa-56739	132	25	financial	financial	ADJ
cjfa-56739	132	26	inclusion	inclusion	NOUN
cjfa-56739	132	27	,	,	PUNCT
cjfa-56739	132	28	with	with	ADP
cjfa-56739	132	29	a	a	DET
cjfa-56739	132	30	statistically	statistically	ADV
cjfa-56739	132	31	significant	significant	ADJ
cjfa-56739	132	32	t	t	NOUN
cjfa-56739	132	33	-	-	PUNCT
cjfa-56739	132	34	value	value	NOUN
cjfa-56739	132	35	(	(	PUNCT
cjfa-56739	132	36	7.09	7.09	NUM
cjfa-56739	132	37	,	,	PUNCT
cjfa-56739	132	38	p	p	NOUN
cjfa-56739	132	39	=	=	NOUN
cjfa-56739	132	40	0.001	0.001	NUM
cjfa-56739	132	41	)	)	PUNCT
cjfa-56739	132	42	,	,	PUNCT
cjfa-56739	132	43	highlighting	highlight	VERB
cjfa-56739	132	44	the	the	DET
cjfa-56739	132	45	noteworthy	noteworthy	ADJ
cjfa-56739	132	46	impact	impact	NOUN
cjfa-56739	132	47	of	of	ADP
cjfa-56739	132	48	subjective	subjective	ADJ
cjfa-56739	132	49	norms	norm	NOUN
cjfa-56739	132	50	on	on	ADP
cjfa-56739	132	51	financial	financial	ADJ
cjfa-56739	132	52	inclusion	inclusion	NOUN
cjfa-56739	132	53	in	in	ADP
cjfa-56739	132	54	this	this	DET
cjfa-56739	132	55	model	model	NOUN
cjfa-56739	132	56	.	.	PUNCT
cjfa-56739	133	1	the	the	DET
cjfa-56739	133	2	coefficient	coefficient	NOUN
cjfa-56739	133	3	of	of	ADP
cjfa-56739	133	4	1.412	1.412	NUM
cjfa-56739	133	5	for	for	ADP
cjfa-56739	133	6	financial	financial	ADJ
cjfa-56739	133	7	self	self	NOUN
cjfa-56739	133	8	-	-	PUNCT
cjfa-56739	133	9	efficacy	efficacy	NOUN
cjfa-56739	133	10	suggests	suggest	VERB
cjfa-56739	133	11	that	that	SCONJ
cjfa-56739	133	12	a	a	DET
cjfa-56739	133	13	one	one	NUM
cjfa-56739	133	14	-	-	PUNCT
cjfa-56739	133	15	unit	unit	NOUN
cjfa-56739	133	16	increase	increase	NOUN
cjfa-56739	133	17	in	in	ADP
cjfa-56739	133	18	financial	financial	ADJ
cjfa-56739	133	19	self	self	NOUN
cjfa-56739	133	20	-	-	PUNCT
cjfa-56739	133	21	efficacy	efficacy	NOUN
cjfa-56739	133	22	results	result	NOUN
cjfa-56739	133	23	in	in	ADP
cjfa-56739	133	24	a	a	DET
cjfa-56739	133	25	1.412	1.412	NUM
cjfa-56739	133	26	-	-	PUNCT
cjfa-56739	133	27	unit	unit	NOUN
cjfa-56739	133	28	increase	increase	NOUN
cjfa-56739	133	29	in	in	ADP
cjfa-56739	133	30	financial	financial	ADJ
cjfa-56739	133	31	inclusion	inclusion	NOUN
cjfa-56739	133	32	.	.	PUNCT
cjfa-56739	134	1	this	this	PRON
cjfa-56739	134	2	implies	imply	VERB
cjfa-56739	134	3	that	that	SCONJ
cjfa-56739	134	4	financial	financial	ADJ
cjfa-56739	134	5	self	self	NOUN
cjfa-56739	134	6	-	-	PUNCT
cjfa-56739	134	7	efficacy	efficacy	NOUN
cjfa-56739	134	8	plays	play	VERB
cjfa-56739	134	9	a	a	DET
cjfa-56739	134	10	pivotal	pivotal	ADJ
cjfa-56739	134	11	role	role	NOUN
cjfa-56739	134	12	table	table	NOUN
cjfa-56739	134	13	3	3	NUM
cjfa-56739	134	14	.	.	PUNCT
cjfa-56739	134	15	demographic	demographic	ADJ
cjfa-56739	134	16	…	…	PUNCT
cjfa-56739	134	17	demand	demand	NOUN
cjfa-56739	134	18	side	side	NOUN
cjfa-56739	134	19	factors	factor	NOUN
cjfa-56739	134	20	and	and	CCONJ
cjfa-56739	134	21	financial	financial	ADJ
cjfa-56739	134	22	inclusion	inclusion	NOUN
cjfa-56739	134	23	…	…	PUNCT
cjfa-56739	134	24	3939	3939	NUM
cjfa-56739	134	25	in	in	ADP
cjfa-56739	134	26	enhancing	enhance	VERB
cjfa-56739	134	27	the	the	DET
cjfa-56739	134	28	financial	financial	ADJ
cjfa-56739	134	29	inclusion	inclusion	NOUN
cjfa-56739	134	30	of	of	ADP
cjfa-56739	134	31	individual	individual	ADJ
cjfa-56739	134	32	msmes	msme	NOUN
cjfa-56739	134	33	in	in	ADP
cjfa-56739	134	34	comparison	comparison	NOUN
cjfa-56739	134	35	to	to	ADP
cjfa-56739	134	36	their	their	PRON
cjfa-56739	134	37	counterparts	counterpart	NOUN
cjfa-56739	134	38	,	,	PUNCT
cjfa-56739	134	39	ultimately	ultimately	ADV
cjfa-56739	134	40	contributing	contribute	VERB
cjfa-56739	134	41	to	to	ADP
cjfa-56739	134	42	heightened	heighten	VERB
cjfa-56739	134	43	financial	financial	ADJ
cjfa-56739	134	44	inclusion	inclusion	NOUN
cjfa-56739	134	45	.	.	PUNCT
cjfa-56739	135	1	in	in	ADP
cjfa-56739	135	2	summary	summary	NOUN
cjfa-56739	135	3	,	,	PUNCT
cjfa-56739	135	4	the	the	DET
cjfa-56739	135	5	regression	regression	NOUN
cjfa-56739	135	6	model	model	NOUN
cjfa-56739	135	7	underscores	underscore	VERB
cjfa-56739	135	8	the	the	DET
cjfa-56739	135	9	significant	significant	ADJ
cjfa-56739	135	10	impact	impact	NOUN
cjfa-56739	135	11	of	of	ADP
cjfa-56739	135	12	demand	demand	NOUN
cjfa-56739	135	13	-	-	PUNCT
cjfa-56739	135	14	side	side	NOUN
cjfa-56739	135	15	factors	factor	NOUN
cjfa-56739	135	16	on	on	ADP
cjfa-56739	135	17	financial	financial	ADJ
cjfa-56739	135	18	inclusion	inclusion	NOUN
cjfa-56739	135	19	,	,	PUNCT
cjfa-56739	135	20	with	with	ADP
cjfa-56739	135	21	financial	financial	ADJ
cjfa-56739	135	22	self	self	NOUN
cjfa-56739	135	23	-	-	PUNCT
cjfa-56739	135	24	efficacy	efficacy	NOUN
cjfa-56739	135	25	acting	act	VERB
cjfa-56739	135	26	as	as	ADP
cjfa-56739	135	27	a	a	DET
cjfa-56739	135	28	mediating	mediate	VERB
cjfa-56739	135	29	factor	factor	NOUN
cjfa-56739	135	30	in	in	ADP
cjfa-56739	135	31	the	the	DET
cjfa-56739	135	32	study	study	NOUN
cjfa-56739	135	33	region	region	NOUN
cjfa-56739	135	34	.	.	PUNCT
cjfa-56739	136	1	table	table	NOUN
cjfa-56739	136	2	4	4	NUM
cjfa-56739	136	3	.	.	PUNCT
cjfa-56739	137	1	regression	regression	NOUN
cjfa-56739	137	2	results	result	NOUN
cjfa-56739	137	3	of	of	ADP
cjfa-56739	137	4	the	the	DET
cjfa-56739	137	5	structural	structural	ADJ
cjfa-56739	137	6	equation	equation	NOUN
cjfa-56739	137	7	models	model	NOUN
cjfa-56739	137	8	direct	direct	ADJ
cjfa-56739	137	9	effect	effect	NOUN
cjfa-56739	137	10	standardized	standardize	VERB
cjfa-56739	137	11	β	β	PROPN
cjfa-56739	137	12	t	t	PROPN
cjfa-56739	137	13	-	-	PUNCT
cjfa-56739	137	14	value	value	NOUN
cjfa-56739	137	15	std	std	NOUN
cjfa-56739	137	16	.	.	PUNCT
cjfa-56739	138	1	error	error	NOUN
cjfa-56739	138	2	p	p	NOUN
cjfa-56739	138	3	-	-	PUNCT
cjfa-56739	138	4	value	value	NOUN
cjfa-56739	138	5	decision	decision	NOUN
cjfa-56739	138	6	fa	fa	NOUN
cjfa-56739	138	7	1.377	1.377	NUM
cjfa-56739	138	8	4.59	4.59	NUM
cjfa-56739	138	9	.30	.30	NUM
cjfa-56739	138	10	.000	.000	NUM
cjfa-56739	138	11	accept	accept	VERB
cjfa-56739	138	12	pe	pe	ADP
cjfa-56739	138	13	2.648	2.648	NUM
cjfa-56739	138	14	7.78	7.78	NUM
cjfa-56739	138	15	.34	.34	NUM
cjfa-56739	138	16	.003	.003	NUM
cjfa-56739	138	17	accept	accept	VERB
cjfa-56739	138	18	sn	sn	PROPN
cjfa-56739	138	19	2.340	2.340	NUM
cjfa-56739	138	20	7.09	7.09	NUM
cjfa-56739	138	21	.33	.33	NUM
cjfa-56739	138	22	.001	.001	NUM
cjfa-56739	138	23	accept	accept	PROPN
cjfa-56739	138	24	fe	fe	X
cjfa-56739	138	25	1.412	1.412	NUM
cjfa-56739	138	26	11.76	11.76	NUM
cjfa-56739	138	27	.12	.12	NUM
cjfa-56739	138	28	.002	.002	NUM
cjfa-56739	138	29	accept	accept	VERB
cjfa-56739	138	30	df	df	PROPN
cjfa-56739	138	31	-	-	PUNCT
cjfa-56739	138	32	fe	fe	NOUN
cjfa-56739	138	33	-	-	NOUN
cjfa-56739	138	34	fi	fi	NOUN
cjfa-56739	138	35	1.930	1.930	NUM
cjfa-56739	138	36	7.42	7.42	NUM
cjfa-56739	138	37	.26	.26	NUM
cjfa-56739	138	38	.004	.004	NUM
cjfa-56739	138	39	accept	accept	PROPN
cjfa-56739	138	40	s	s	NOUN
cjfa-56739	138	41	o	o	NOUN
cjfa-56739	138	42	u	u	NOUN
cjfa-56739	138	43	r	r	NOUN
cjfa-56739	138	44	c	c	NOUN
cjfa-56739	138	45	e	e	X
cjfa-56739	138	46	:	:	PUNCT
cjfa-56739	138	47	author`s	author`s	PROPN
cjfa-56739	138	48	computations	computations	PROPN
cjfa-56739	138	49	.	.	PUNCT
cjfa-56739	139	1	discussion	discussion	NOUN
cjfa-56739	139	2	of	of	ADP
cjfa-56739	139	3	findingsdiscussion	findingsdiscussion	NOUN
cjfa-56739	139	4	of	of	ADP
cjfa-56739	139	5	findings	finding	NOUN
cjfa-56739	139	6	this	this	DET
cjfa-56739	139	7	study	study	NOUN
cjfa-56739	139	8	adds	add	VERB
cjfa-56739	139	9	valuable	valuable	ADJ
cjfa-56739	139	10	insights	insight	NOUN
cjfa-56739	139	11	to	to	ADP
cjfa-56739	139	12	the	the	DET
cjfa-56739	139	13	existing	exist	VERB
cjfa-56739	139	14	knowledge	knowledge	NOUN
cjfa-56739	139	15	regarding	regard	VERB
cjfa-56739	139	16	the	the	DET
cjfa-56739	139	17	determinants	determinant	NOUN
cjfa-56739	139	18	of	of	ADP
cjfa-56739	139	19	financial	financial	ADJ
cjfa-56739	139	20	inclusion	inclusion	NOUN
cjfa-56739	139	21	,	,	PUNCT
cjfa-56739	139	22	with	with	ADP
cjfa-56739	139	23	a	a	DET
cjfa-56739	139	24	specific	specific	ADJ
cjfa-56739	139	25	emphasis	emphasis	NOUN
cjfa-56739	139	26	on	on	ADP
cjfa-56739	139	27	demand	demand	NOUN
cjfa-56739	139	28	-	-	PUNCT
cjfa-56739	139	29	side	side	NOUN
cjfa-56739	139	30	factors	factor	NOUN
cjfa-56739	139	31	.	.	PUNCT
cjfa-56739	140	1	anchored	anchor	VERB
cjfa-56739	140	2	in	in	ADP
cjfa-56739	140	3	a	a	DET
cjfa-56739	140	4	theoretical	theoretical	ADJ
cjfa-56739	140	5	framework	framework	NOUN
cjfa-56739	140	6	and	and	CCONJ
cjfa-56739	140	7	measurement	measurement	NOUN
cjfa-56739	140	8	models	model	NOUN
cjfa-56739	140	9	,	,	PUNCT
cjfa-56739	140	10	the	the	DET
cjfa-56739	140	11	study	study	NOUN
cjfa-56739	140	12	evaluates	evaluate	VERB
cjfa-56739	140	13	the	the	DET
cjfa-56739	140	14	validity	validity	NOUN
cjfa-56739	140	15	and	and	CCONJ
cjfa-56739	140	16	influence	influence	NOUN
cjfa-56739	140	17	of	of	ADP
cjfa-56739	140	18	demand	demand	NOUN
cjfa-56739	140	19	-	-	PUNCT
cjfa-56739	140	20	side	side	NOUN
cjfa-56739	140	21	factors	factor	NOUN
cjfa-56739	140	22	on	on	ADP
cjfa-56739	140	23	financial	financial	ADJ
cjfa-56739	140	24	inclusion	inclusion	NOUN
cjfa-56739	140	25	.	.	PUNCT
cjfa-56739	141	1	the	the	DET
cjfa-56739	141	2	measurement	measurement	NOUN
cjfa-56739	141	3	model	model	NOUN
cjfa-56739	141	4	affirms	affirm	VERB
cjfa-56739	141	5	the	the	DET
cjfa-56739	141	6	validity	validity	NOUN
cjfa-56739	141	7	of	of	ADP
cjfa-56739	141	8	all	all	DET
cjfa-56739	141	9	constructs	construct	NOUN
cjfa-56739	141	10	related	relate	VERB
cjfa-56739	141	11	to	to	ADP
cjfa-56739	141	12	demand	demand	NOUN
cjfa-56739	141	13	-	-	PUNCT
cjfa-56739	141	14	side	side	NOUN
cjfa-56739	141	15	factors	factor	NOUN
cjfa-56739	141	16	and	and	CCONJ
cjfa-56739	141	17	financial	financial	ADJ
cjfa-56739	141	18	inclusion	inclusion	NOUN
cjfa-56739	141	19	,	,	PUNCT
cjfa-56739	141	20	while	while	SCONJ
cjfa-56739	141	21	the	the	DET
cjfa-56739	141	22	structural	structural	ADJ
cjfa-56739	141	23	model	model	NOUN
cjfa-56739	141	24	indicates	indicate	VERB
cjfa-56739	141	25	a	a	DET
cjfa-56739	141	26	robust	robust	ADJ
cjfa-56739	141	27	correlation	correlation	NOUN
cjfa-56739	141	28	between	between	ADP
cjfa-56739	141	29	demand	demand	NOUN
cjfa-56739	141	30	-	-	PUNCT
cjfa-56739	141	31	side	side	NOUN
cjfa-56739	141	32	factors	factor	NOUN
cjfa-56739	141	33	and	and	CCONJ
cjfa-56739	141	34	financial	financial	ADJ
cjfa-56739	141	35	self	self	NOUN
cjfa-56739	141	36	-	-	PUNCT
cjfa-56739	141	37	efficacy	efficacy	NOUN
cjfa-56739	141	38	in	in	ADP
cjfa-56739	141	39	shaping	shape	VERB
cjfa-56739	141	40	financial	financial	ADJ
cjfa-56739	141	41	inclusion	inclusion	NOUN
cjfa-56739	141	42	.	.	PUNCT
cjfa-56739	142	1	the	the	DET
cjfa-56739	142	2	first	first	ADJ
cjfa-56739	142	3	research	research	NOUN
cjfa-56739	142	4	question	question	NOUN
cjfa-56739	142	5	is	be	AUX
cjfa-56739	142	6	used	use	VERB
cjfa-56739	142	7	to	to	PART
cjfa-56739	142	8	investigate	investigate	VERB
cjfa-56739	142	9	the	the	DET
cjfa-56739	142	10	first	first	ADJ
cjfa-56739	142	11	objective	objective	NOUN
cjfa-56739	142	12	,	,	PUNCT
cjfa-56739	142	13	which	which	PRON
cjfa-56739	142	14	examine	examine	VERB
cjfa-56739	142	15	the	the	DET
cjfa-56739	142	16	effect	effect	NOUN
cjfa-56739	142	17	of	of	ADP
cjfa-56739	142	18	financial	financial	ADJ
cjfa-56739	142	19	attitude	attitude	NOUN
cjfa-56739	142	20	on	on	ADP
cjfa-56739	142	21	financial	financial	ADJ
cjfa-56739	142	22	inclusion	inclusion	NOUN
cjfa-56739	142	23	.	.	PUNCT
cjfa-56739	143	1	the	the	DET
cjfa-56739	143	2	result	result	NOUN
cjfa-56739	143	3	shows	show	VERB
cjfa-56739	143	4	that	that	SCONJ
cjfa-56739	143	5	financial	financial	ADJ
cjfa-56739	143	6	attitude	attitude	NOUN
cjfa-56739	143	7	has	have	VERB
cjfa-56739	143	8	a	a	DET
cjfa-56739	143	9	significant	significant	ADJ
cjfa-56739	143	10	positive	positive	ADJ
cjfa-56739	143	11	effect	effect	NOUN
cjfa-56739	143	12	on	on	ADP
cjfa-56739	143	13	financial	financial	ADJ
cjfa-56739	143	14	inclusion	inclusion	NOUN
cjfa-56739	143	15	among	among	ADP
cjfa-56739	143	16	msmes	msme	NOUN
cjfa-56739	143	17	owners	owner	NOUN
cjfa-56739	143	18	(	(	PUNCT
cjfa-56739	143	19	β=1.377	β=1.377	NUM
cjfa-56739	143	20	,	,	PUNCT
cjfa-56739	143	21	t=4.59	t=4.59	NOUN
cjfa-56739	143	22	,	,	PUNCT
cjfa-56739	143	23	p=0.000	p=0.000	NUM
cjfa-56739	143	24	)	)	PUNCT
cjfa-56739	143	25	.	.	PUNCT
cjfa-56739	144	1	interestingly	interestingly	ADV
cjfa-56739	144	2	,	,	PUNCT
cjfa-56739	144	3	this	this	DET
cjfa-56739	144	4	study	study	NOUN
cjfa-56739	144	5	is	be	AUX
cjfa-56739	144	6	similar	similar	ADJ
cjfa-56739	144	7	to	to	ADP
cjfa-56739	144	8	the	the	DET
cjfa-56739	144	9	findings	finding	NOUN
cjfa-56739	144	10	of	of	ADP
cjfa-56739	144	11	(	(	PUNCT
cjfa-56739	144	12	co	co	X
cjfa-56739	144	13	&	&	CCONJ
cjfa-56739	144	14	centeno	centeno	PROPN
cjfa-56739	144	15	,	,	PUNCT
cjfa-56739	144	16	2023	2023	NUM
cjfa-56739	144	17	;	;	PUNCT
cjfa-56739	144	18	akudugu	akudugu	ADV
cjfa-56739	144	19	,	,	PUNCT
cjfa-56739	144	20	2013	2013	NUM
cjfa-56739	144	21	;	;	PUNCT
cjfa-56739	144	22	sarma	sarma	NOUN
cjfa-56739	144	23	,	,	PUNCT
cjfa-56739	144	24	2008	2008	NUM
cjfa-56739	144	25	)	)	PUNCT
cjfa-56739	144	26	.	.	PUNCT
cjfa-56739	145	1	the	the	DET
cjfa-56739	145	2	second	second	ADJ
cjfa-56739	145	3	research	research	NOUN
cjfa-56739	145	4	question	question	NOUN
cjfa-56739	145	5	which	which	PRON
cjfa-56739	145	6	is	be	AUX
cjfa-56739	145	7	used	use	VERB
cjfa-56739	145	8	to	to	PART
cjfa-56739	145	9	examine	examine	VERB
cjfa-56739	145	10	the	the	DET
cjfa-56739	145	11	second	second	ADJ
cjfa-56739	145	12	objective	objective	NOUN
cjfa-56739	145	13	,	,	PUNCT
cjfa-56739	145	14	sought	seek	VERB
cjfa-56739	145	15	to	to	PART
cjfa-56739	145	16	determine	determine	VERB
cjfa-56739	145	17	the	the	DET
cjfa-56739	145	18	effect	effect	NOUN
cjfa-56739	145	19	of	of	ADP
cjfa-56739	145	20	subjective	subjective	ADJ
cjfa-56739	145	21	norms	norm	NOUN
cjfa-56739	145	22	on	on	ADP
cjfa-56739	145	23	financial	financial	ADJ
cjfa-56739	145	24	inclusion	inclusion	NOUN
cjfa-56739	145	25	among	among	ADP
cjfa-56739	145	26	msmes	msme	NOUN
cjfa-56739	145	27	owners	owner	NOUN
cjfa-56739	145	28	.	.	PUNCT
cjfa-56739	146	1	it	it	PRON
cjfa-56739	146	2	is	be	AUX
cjfa-56739	146	3	adduced	adduce	VERB
cjfa-56739	146	4	from	from	ADP
cjfa-56739	146	5	the	the	DET
cjfa-56739	146	6	findings	finding	NOUN
cjfa-56739	146	7	that	that	PRON
cjfa-56739	146	8	subjective	subjective	ADJ
cjfa-56739	146	9	norms	norm	NOUN
cjfa-56739	146	10	has	have	VERB
cjfa-56739	146	11	a	a	DET
cjfa-56739	146	12	significant	significant	ADJ
cjfa-56739	146	13	positive	positive	ADJ
cjfa-56739	146	14	effect	effect	NOUN
cjfa-56739	146	15	on	on	ADP
cjfa-56739	146	16	financial	financial	ADJ
cjfa-56739	146	17	inclusion	inclusion	NOUN
cjfa-56739	146	18	(	(	PUNCT
cjfa-56739	146	19	β=2.340	β=2.340	NOUN
cjfa-56739	146	20	,	,	PUNCT
cjfa-56739	146	21	t=7.09	t=7.09	ADJ
cjfa-56739	146	22	,	,	PUNCT
cjfa-56739	146	23	p<0.001	p<0.001	PROPN
cjfa-56739	146	24	)	)	PUNCT
cjfa-56739	146	25	.	.	PUNCT
cjfa-56739	147	1	this	this	DET
cjfa-56739	147	2	abdullahi	abdullahi	PROPN
cjfa-56739	147	3	adio	adio	PROPN
cjfa-56739	147	4	babatunde4040	babatunde4040	PROPN
cjfa-56739	147	5	findings	finding	NOUN
cjfa-56739	147	6	provides	provide	VERB
cjfa-56739	147	7	evidence	evidence	NOUN
cjfa-56739	147	8	that	that	SCONJ
cjfa-56739	147	9	subjective	subjective	ADJ
cjfa-56739	147	10	norms	norm	NOUN
cjfa-56739	147	11	is	be	AUX
cjfa-56739	147	12	an	an	DET
cjfa-56739	147	13	important	important	ADJ
cjfa-56739	147	14	determinant	determinant	NOUN
cjfa-56739	147	15	of	of	ADP
cjfa-56739	147	16	financial	financial	ADJ
cjfa-56739	147	17	inclusion	inclusion	NOUN
cjfa-56739	147	18	.	.	PUNCT
cjfa-56739	148	1	the	the	DET
cjfa-56739	148	2	significant	significant	ADJ
cjfa-56739	148	3	effects	effect	NOUN
cjfa-56739	148	4	of	of	ADP
cjfa-56739	148	5	this	this	DET
cjfa-56739	148	6	variable	variable	ADJ
cjfa-56739	148	7	match	match	VERB
cjfa-56739	148	8	the	the	DET
cjfa-56739	148	9	findings	finding	NOUN
cjfa-56739	148	10	of	of	ADP
cjfa-56739	148	11	(	(	PUNCT
cjfa-56739	148	12	braunstein	braunstein	NOUN
cjfa-56739	148	13	&	&	CCONJ
cjfa-56739	148	14	welch	welch	PROPN
cjfa-56739	148	15	,	,	PUNCT
cjfa-56739	148	16	2002	2002	NUM
cjfa-56739	148	17	;	;	PUNCT
cjfa-56739	148	18	mose	mose	NOUN
cjfa-56739	148	19	&	&	CCONJ
cjfa-56739	148	20	thomi	thomi	NOUN
cjfa-56739	148	21	,	,	PUNCT
cjfa-56739	148	22	2021	2021	NUM
cjfa-56739	148	23	;	;	PUNCT
cjfa-56739	148	24	barnir	barnir	PROPN
cjfa-56739	148	25	,	,	PUNCT
cjfa-56739	148	26	watson	watson	PROPN
cjfa-56739	148	27	&	&	CCONJ
cjfa-56739	148	28	hutchins	hutchins	PROPN
cjfa-56739	148	29	,	,	PUNCT
cjfa-56739	148	30	2011	2011	NUM
cjfa-56739	148	31	;	;	PUNCT
cjfa-56739	148	32	chen	chen	PROPN
cjfa-56739	148	33	,	,	PUNCT
cjfa-56739	148	34	dowling	dowling	PROPN
cjfa-56739	148	35	&	&	CCONJ
cjfa-56739	148	36	yap	yap	NOUN
cjfa-56739	148	37	,	,	PUNCT
cjfa-56739	148	38	2012	2012	NUM
cjfa-56739	148	39	)	)	PUNCT
cjfa-56739	148	40	.	.	PUNCT
cjfa-56739	149	1	the	the	DET
cjfa-56739	149	2	third	third	ADJ
cjfa-56739	149	3	research	research	NOUN
cjfa-56739	149	4	question	question	NOUN
cjfa-56739	149	5	is	be	AUX
cjfa-56739	149	6	used	use	VERB
cjfa-56739	149	7	to	to	PART
cjfa-56739	149	8	investigate	investigate	VERB
cjfa-56739	149	9	the	the	DET
cjfa-56739	149	10	third	third	ADJ
cjfa-56739	149	11	objective	objective	NOUN
cjfa-56739	149	12	.	.	PUNCT
cjfa-56739	150	1	this	this	DET
cjfa-56739	150	2	objective	objective	ADJ
cjfa-56739	150	3	examines	examine	VERB
cjfa-56739	150	4	the	the	DET
cjfa-56739	150	5	impact	impact	NOUN
cjfa-56739	150	6	of	of	ADP
cjfa-56739	150	7	personal	personal	ADJ
cjfa-56739	150	8	experience	experience	NOUN
cjfa-56739	150	9	on	on	ADP
cjfa-56739	150	10	financial	financial	ADJ
cjfa-56739	150	11	inclusion	inclusion	NOUN
cjfa-56739	150	12	among	among	ADP
cjfa-56739	150	13	msmes	msme	NOUN
cjfa-56739	150	14	owners	owner	NOUN
cjfa-56739	150	15	.	.	PUNCT
cjfa-56739	151	1	the	the	DET
cjfa-56739	151	2	study	study	NOUN
cjfa-56739	151	3	reported	report	VERB
cjfa-56739	151	4	that	that	SCONJ
cjfa-56739	151	5	personal	personal	ADJ
cjfa-56739	151	6	experience	experience	NOUN
cjfa-56739	151	7	has	have	VERB
cjfa-56739	151	8	significant	significant	ADJ
cjfa-56739	151	9	positive	positive	ADJ
cjfa-56739	151	10	relationship	relationship	NOUN
cjfa-56739	151	11	with	with	ADP
cjfa-56739	151	12	financial	financial	ADJ
cjfa-56739	151	13	inclusion	inclusion	NOUN
cjfa-56739	151	14	(	(	PUNCT
cjfa-56739	151	15	β=2.648	β=2.648	PROPN
cjfa-56739	151	16	,	,	PUNCT
cjfa-56739	151	17	t=2.648	t=2.648	X
cjfa-56739	151	18	,	,	PUNCT
cjfa-56739	151	19	p<0.030	p<0.030	NOUN
cjfa-56739	151	20	)	)	PUNCT
cjfa-56739	151	21	.	.	PUNCT
cjfa-56739	152	1	the	the	DET
cjfa-56739	152	2	results	result	NOUN
cjfa-56739	152	3	suggest	suggest	VERB
cjfa-56739	152	4	that	that	SCONJ
cjfa-56739	152	5	rapid	rapid	ADJ
cjfa-56739	152	6	change	change	NOUN
cjfa-56739	152	7	in	in	ADP
cjfa-56739	152	8	personal	personal	ADJ
cjfa-56739	152	9	experience	experience	NOUN
cjfa-56739	152	10	of	of	ADP
cjfa-56739	152	11	msmes	msme	NOUN
cjfa-56739	152	12	have	have	VERB
cjfa-56739	152	13	important	important	ADJ
cjfa-56739	152	14	role	role	NOUN
cjfa-56739	152	15	in	in	ADP
cjfa-56739	152	16	enhancing	enhance	VERB
cjfa-56739	152	17	their	their	PRON
cjfa-56739	152	18	financial	financial	ADJ
cjfa-56739	152	19	inclusion	inclusion	NOUN
cjfa-56739	152	20	.	.	PUNCT
cjfa-56739	153	1	this	this	DET
cjfa-56739	153	2	finding	finding	NOUN
cjfa-56739	153	3	is	be	AUX
cjfa-56739	153	4	also	also	ADV
cjfa-56739	153	5	validated	validate	VERB
cjfa-56739	153	6	by	by	ADP
cjfa-56739	153	7	the	the	DET
cjfa-56739	153	8	evidence	evidence	NOUN
cjfa-56739	153	9	put	put	VERB
cjfa-56739	153	10	forth	forth	ADP
cjfa-56739	153	11	by	by	ADP
cjfa-56739	153	12	(	(	PUNCT
cjfa-56739	153	13	pattarin	pattarin	PROPN
cjfa-56739	153	14	&	&	CCONJ
cjfa-56739	153	15	cosma	cosma	PROPN
cjfa-56739	153	16	,	,	PUNCT
cjfa-56739	153	17	2012	2012	NUM
cjfa-56739	153	18	;	;	PUNCT
cjfa-56739	153	19	ajide	ajide	ADJ
cjfa-56739	153	20	,	,	PUNCT
cjfa-56739	153	21	2017	2017	NUM
cjfa-56739	153	22	;	;	PUNCT
cjfa-56739	153	23	eze	eze	PROPN
cjfa-56739	153	24	&	&	CCONJ
cjfa-56739	153	25	markjackson	markjackson	PROPN
cjfa-56739	153	26	,	,	PUNCT
cjfa-56739	153	27	2020	2020	NUM
cjfa-56739	153	28	;	;	PUNCT
cjfa-56739	153	29	grohmann	grohmann	NOUN
cjfa-56739	153	30	,	,	PUNCT
cjfa-56739	153	31	2018	2018	NUM
cjfa-56739	153	32	;	;	PUNCT
cjfa-56739	153	33	stulz	stulz	PROPN
cjfa-56739	153	34	&	&	CCONJ
cjfa-56739	153	35	williamson	williamson	PROPN
cjfa-56739	153	36	,	,	PUNCT
cjfa-56739	153	37	2003	2003	NUM
cjfa-56739	153	38	)	)	PUNCT
cjfa-56739	153	39	.	.	PUNCT
cjfa-56739	154	1	financial	financial	ADJ
cjfa-56739	154	2	self	self	NOUN
cjfa-56739	154	3	-	-	PUNCT
cjfa-56739	154	4	efficacy	efficacy	NOUN
cjfa-56739	154	5	also	also	ADV
cjfa-56739	154	6	has	have	VERB
cjfa-56739	154	7	a	a	DET
cjfa-56739	154	8	direct	direct	ADJ
cjfa-56739	154	9	effect	effect	NOUN
cjfa-56739	154	10	on	on	ADP
cjfa-56739	154	11	financial	financial	ADJ
cjfa-56739	154	12	inclusion	inclusion	NOUN
cjfa-56739	154	13	with	with	ADP
cjfa-56739	154	14	coefficient	coefficient	NOUN
cjfa-56739	154	15	and	and	CCONJ
cjfa-56739	154	16	p	p	NOUN
cjfa-56739	154	17	-	-	PUNCT
cjfa-56739	154	18	value	value	NOUN
cjfa-56739	154	19	of	of	ADP
cjfa-56739	154	20	(	(	PUNCT
cjfa-56739	154	21	1.412	1.412	NUM
cjfa-56739	154	22	,	,	PUNCT
cjfa-56739	154	23	p=0.002	p=0.002	NOUN
cjfa-56739	154	24	)	)	PUNCT
cjfa-56739	154	25	.	.	PUNCT
cjfa-56739	155	1	the	the	DET
cjfa-56739	155	2	results	result	NOUN
cjfa-56739	155	3	of	of	ADP
cjfa-56739	155	4	this	this	DET
cjfa-56739	155	5	findings	finding	NOUN
cjfa-56739	155	6	offer	offer	VERB
cjfa-56739	155	7	empirical	empirical	ADJ
cjfa-56739	155	8	evidence	evidence	NOUN
cjfa-56739	155	9	supporting	support	VERB
cjfa-56739	155	10	the	the	DET
cjfa-56739	155	11	positive	positive	ADJ
cjfa-56739	155	12	and	and	CCONJ
cjfa-56739	155	13	significant	significant	ADJ
cjfa-56739	155	14	impact	impact	NOUN
cjfa-56739	155	15	of	of	ADP
cjfa-56739	155	16	demandside	demandside	NOUN
cjfa-56739	155	17	factors	factor	NOUN
cjfa-56739	155	18	,	,	PUNCT
cjfa-56739	155	19	including	include	VERB
cjfa-56739	155	20	financial	financial	ADJ
cjfa-56739	155	21	attitude	attitude	NOUN
cjfa-56739	155	22	,	,	PUNCT
cjfa-56739	155	23	personal	personal	ADJ
cjfa-56739	155	24	experience	experience	NOUN
cjfa-56739	155	25	,	,	PUNCT
cjfa-56739	155	26	and	and	CCONJ
cjfa-56739	155	27	subjective	subjective	ADJ
cjfa-56739	155	28	norms	norm	NOUN
cjfa-56739	155	29	,	,	PUNCT
cjfa-56739	155	30	on	on	ADP
cjfa-56739	155	31	financial	financial	ADJ
cjfa-56739	155	32	inclusion	inclusion	NOUN
cjfa-56739	155	33	,	,	PUNCT
cjfa-56739	155	34	with	with	ADP
cjfa-56739	155	35	financial	financial	ADJ
cjfa-56739	155	36	self	self	NOUN
cjfa-56739	155	37	-	-	PUNCT
cjfa-56739	155	38	efficacy	efficacy	NOUN
cjfa-56739	155	39	acting	act	VERB
cjfa-56739	155	40	as	as	ADP
cjfa-56739	155	41	a	a	DET
cjfa-56739	155	42	mediating	mediate	VERB
cjfa-56739	155	43	factor	factor	NOUN
cjfa-56739	155	44	.	.	PUNCT
cjfa-56739	156	1	consistent	consistent	ADJ
cjfa-56739	156	2	with	with	ADP
cjfa-56739	156	3	prior	prior	ADJ
cjfa-56739	156	4	studies	study	NOUN
cjfa-56739	156	5	the	the	DET
cjfa-56739	156	6	study	study	NOUN
cjfa-56739	156	7	aligns	align	VERB
cjfa-56739	156	8	with	with	ADP
cjfa-56739	156	9	the	the	DET
cjfa-56739	156	10	understanding	understanding	NOUN
cjfa-56739	156	11	that	that	PRON
cjfa-56739	156	12	these	these	DET
cjfa-56739	156	13	factors	factor	NOUN
cjfa-56739	156	14	play	play	VERB
cjfa-56739	156	15	a	a	DET
cjfa-56739	156	16	significant	significant	ADJ
cjfa-56739	156	17	role	role	NOUN
cjfa-56739	156	18	in	in	ADP
cjfa-56739	156	19	shaping	shape	VERB
cjfa-56739	156	20	financial	financial	ADJ
cjfa-56739	156	21	self	self	NOUN
cjfa-56739	156	22	-	-	PUNCT
cjfa-56739	156	23	efficacy	efficacy	NOUN
cjfa-56739	156	24	and	and	CCONJ
cjfa-56739	156	25	,	,	PUNCT
cjfa-56739	156	26	consequently	consequently	ADV
cjfa-56739	156	27	,	,	PUNCT
cjfa-56739	156	28	financial	financial	ADJ
cjfa-56739	156	29	inclusion	inclusion	NOUN
cjfa-56739	156	30	.	.	PUNCT
cjfa-56739	157	1	however	however	ADV
cjfa-56739	157	2	,	,	PUNCT
cjfa-56739	157	3	this	this	DET
cjfa-56739	157	4	findings	finding	NOUN
cjfa-56739	157	5	is	be	AUX
cjfa-56739	157	6	contrasted	contrast	VERB
cjfa-56739	157	7	with	with	ADP
cjfa-56739	157	8	the	the	DET
cjfa-56739	157	9	findings	finding	NOUN
cjfa-56739	157	10	of	of	ADP
cjfa-56739	157	11	yangdol	yangdol	PROPN
cjfa-56739	157	12	and	and	CCONJ
cjfa-56739	157	13	sarma	sarma	PROPN
cjfa-56739	157	14	(	(	PUNCT
cjfa-56739	157	15	2019	2019	NUM
cjfa-56739	157	16	)	)	PUNCT
cjfa-56739	157	17	,	,	PUNCT
cjfa-56739	157	18	demirgüç	demirgüç	PROPN
cjfa-56739	157	19	-	-	PUNCT
cjfa-56739	157	20	kunt	kunt	PROPN
cjfa-56739	157	21	and	and	CCONJ
cjfa-56739	157	22	klapper	klapper	PROPN
cjfa-56739	157	23	(	(	PUNCT
cjfa-56739	157	24	2012	2012	NUM
cjfa-56739	157	25	)	)	PUNCT
cjfa-56739	157	26	,	,	PUNCT
cjfa-56739	157	27	van	van	PROPN
cjfa-56739	157	28	der	der	PROPN
cjfa-56739	157	29	lee	lee	PROPN
cjfa-56739	157	30	,	,	PUNCT
cjfa-56739	157	31	gatt	gatt	PROPN
cjfa-56739	157	32	,	,	PUNCT
cjfa-56739	157	33	van	van	PROPN
cjfa-56739	157	34	miltenburg	miltenburg	NOUN
cjfa-56739	157	35	and	and	CCONJ
cjfa-56739	157	36	krahmer	krahmer	NOUN
cjfa-56739	157	37	(	(	PUNCT
cjfa-56739	157	38	2021	2021	NUM
cjfa-56739	157	39	)	)	PUNCT
cjfa-56739	157	40	,	,	PUNCT
cjfa-56739	157	41	danes	dane	NOUN
cjfa-56739	157	42	and	and	CCONJ
cjfa-56739	157	43	haberman	haberman	NOUN
cjfa-56739	157	44	(	(	PUNCT
cjfa-56739	157	45	2007	2007	NUM
cjfa-56739	157	46	)	)	PUNCT
cjfa-56739	157	47	suggesting	suggest	VERB
cjfa-56739	157	48	divergent	divergent	ADJ
cjfa-56739	157	49	views	view	NOUN
cjfa-56739	157	50	within	within	ADP
cjfa-56739	157	51	the	the	DET
cjfa-56739	157	52	existing	exist	VERB
cjfa-56739	157	53	literature	literature	NOUN
cjfa-56739	157	54	on	on	ADP
cjfa-56739	157	55	the	the	DET
cjfa-56739	157	56	relationship	relationship	NOUN
cjfa-56739	157	57	between	between	ADP
cjfa-56739	157	58	demand	demand	NOUN
cjfa-56739	157	59	side	side	NOUN
cjfa-56739	157	60	factors	factor	NOUN
cjfa-56739	157	61	and	and	CCONJ
cjfa-56739	157	62	financial	financial	ADJ
cjfa-56739	157	63	inclusion	inclusion	NOUN
cjfa-56739	157	64	among	among	ADP
cjfa-56739	157	65	msmes	msme	NOUN
cjfa-56739	157	66	owners	owner	NOUN
cjfa-56739	157	67	in	in	ADP
cjfa-56739	157	68	nigeria	nigeria	PROPN
cjfa-56739	157	69	.	.	PUNCT
cjfa-56739	157	70	 	 	SPACE
cjfa-56739	158	1	conclusion	conclusion	NOUN
cjfa-56739	158	2	 	 	SPACE
cjfa-56739	158	3	conclusion	conclusion	NOUN
cjfa-56739	158	4	in	in	ADP
cjfa-56739	158	5	summary	summary	NOUN
cjfa-56739	158	6	,	,	PUNCT
cjfa-56739	158	7	the	the	DET
cjfa-56739	158	8	research	research	NOUN
cjfa-56739	158	9	establishes	establish	VERB
cjfa-56739	158	10	a	a	DET
cjfa-56739	158	11	significant	significant	ADJ
cjfa-56739	158	12	positive	positive	ADJ
cjfa-56739	158	13	effect	effect	NOUN
cjfa-56739	158	14	of	of	ADP
cjfa-56739	158	15	financial	financial	ADJ
cjfa-56739	158	16	attitude	attitude	NOUN
cjfa-56739	158	17	,	,	PUNCT
cjfa-56739	158	18	subjective	subjective	ADJ
cjfa-56739	158	19	norms	norm	NOUN
cjfa-56739	158	20	and	and	CCONJ
cjfa-56739	158	21	personal	personal	ADJ
cjfa-56739	158	22	experience	experience	NOUN
cjfa-56739	158	23	on	on	ADP
cjfa-56739	158	24	financial	financial	ADJ
cjfa-56739	158	25	inclusion	inclusion	NOUN
cjfa-56739	158	26	,	,	PUNCT
cjfa-56739	158	27	with	with	ADP
cjfa-56739	158	28	financial	financial	ADJ
cjfa-56739	158	29	self	self	NOUN
cjfa-56739	158	30	-	-	PUNCT
cjfa-56739	158	31	efficacy	efficacy	NOUN
cjfa-56739	158	32	playing	play	VERB
cjfa-56739	158	33	a	a	DET
cjfa-56739	158	34	mediating	mediate	VERB
cjfa-56739	158	35	role	role	NOUN
cjfa-56739	158	36	.	.	PUNCT
cjfa-56739	159	1	the	the	DET
cjfa-56739	159	2	study	study	NOUN
cjfa-56739	159	3	enhances	enhance	VERB
cjfa-56739	159	4	our	our	PRON
cjfa-56739	159	5	comprehension	comprehension	NOUN
cjfa-56739	159	6	of	of	ADP
cjfa-56739	159	7	how	how	SCONJ
cjfa-56739	159	8	individual	individual	ADJ
cjfa-56739	159	9	inherent	inherent	ADJ
cjfa-56739	159	10	characteristics	characteristic	NOUN
cjfa-56739	159	11	,	,	PUNCT
cjfa-56739	159	12	referred	refer	VERB
cjfa-56739	159	13	to	to	ADP
cjfa-56739	159	14	as	as	SCONJ
cjfa-56739	159	15	demand	demand	NOUN
cjfa-56739	159	16	side	side	NOUN
cjfa-56739	159	17	factors	factor	NOUN
cjfa-56739	159	18	,	,	PUNCT
cjfa-56739	159	19	play	play	VERB
cjfa-56739	159	20	a	a	DET
cjfa-56739	159	21	pivotal	pivotal	ADJ
cjfa-56739	159	22	role	role	NOUN
cjfa-56739	159	23	in	in	ADP
cjfa-56739	159	24	enhancing	enhance	VERB
cjfa-56739	159	25	both	both	CCONJ
cjfa-56739	159	26	financial	financial	ADJ
cjfa-56739	159	27	self	self	NOUN
cjfa-56739	159	28	-	-	PUNCT
cjfa-56739	159	29	efficacy	efficacy	NOUN
cjfa-56739	159	30	and	and	CCONJ
cjfa-56739	159	31	financial	financial	ADJ
cjfa-56739	159	32	inclusion	inclusion	NOUN
cjfa-56739	159	33	.	.	PUNCT
cjfa-56739	160	1	consequently	consequently	ADV
cjfa-56739	160	2	,	,	PUNCT
cjfa-56739	160	3	the	the	DET
cjfa-56739	160	4	following	follow	VERB
cjfa-56739	160	5	major	major	ADJ
cjfa-56739	160	6	conclusions	conclusion	NOUN
cjfa-56739	160	7	drawn	draw	VERB
cjfa-56739	160	8	from	from	ADP
cjfa-56739	160	9	the	the	DET
cjfa-56739	160	10	study	study	NOUN
cjfa-56739	160	11	is	be	AUX
cjfa-56739	160	12	in	in	ADP
cjfa-56739	160	13	consonant	consonant	NOUN
cjfa-56739	160	14	with	with	ADP
cjfa-56739	160	15	the	the	DET
cjfa-56739	160	16	hypotheses	hypothesis	NOUN
cjfa-56739	160	17	of	of	ADP
cjfa-56739	160	18	the	the	DET
cjfa-56739	160	19	study	study	NOUN
cjfa-56739	160	20	stated	state	VERB
cjfa-56739	160	21	earlier	early	ADV
cjfa-56739	160	22	:	:	PUNCT
cjfa-56739	160	23	demand	demand	VERB
cjfa-56739	160	24	side	side	NOUN
cjfa-56739	160	25	factors	factor	NOUN
cjfa-56739	160	26	and	and	CCONJ
cjfa-56739	160	27	financial	financial	ADJ
cjfa-56739	160	28	inclusion	inclusion	NOUN
cjfa-56739	160	29	…	…	PUNCT
cjfa-56739	160	30	4141	4141	NUM
cjfa-56739	160	31	■	■	PUNCT
cjfa-56739	160	32	the	the	DET
cjfa-56739	160	33	findings	finding	NOUN
cjfa-56739	160	34	revealed	reveal	VERB
cjfa-56739	160	35	that	that	SCONJ
cjfa-56739	160	36	financial	financial	ADJ
cjfa-56739	160	37	attitude	attitude	NOUN
cjfa-56739	160	38	has	have	VERB
cjfa-56739	160	39	positive	positive	ADJ
cjfa-56739	160	40	influence	influence	NOUN
cjfa-56739	160	41	on	on	ADP
cjfa-56739	160	42	financial	financial	ADJ
cjfa-56739	160	43	inclusion	inclusion	NOUN
cjfa-56739	160	44	among	among	ADP
cjfa-56739	160	45	msmes	msme	NOUN
cjfa-56739	160	46	owners	owner	NOUN
cjfa-56739	160	47	in	in	ADP
cjfa-56739	160	48	nigeria	nigeria	PROPN
cjfa-56739	160	49	.	.	PUNCT
cjfa-56739	161	1	■	■	PUNCT
cjfa-56739	161	2	the	the	DET
cjfa-56739	161	3	study	study	NOUN
cjfa-56739	161	4	also	also	ADV
cjfa-56739	161	5	discovers	discover	VERB
cjfa-56739	161	6	a	a	DET
cjfa-56739	161	7	positive	positive	ADJ
cjfa-56739	161	8	effect	effect	NOUN
cjfa-56739	161	9	of	of	ADP
cjfa-56739	161	10	subjective	subjective	ADJ
cjfa-56739	161	11	norms	norm	NOUN
cjfa-56739	161	12	on	on	ADP
cjfa-56739	161	13	financial	financial	ADJ
cjfa-56739	161	14	inclusion	inclusion	NOUN
cjfa-56739	161	15	among	among	ADP
cjfa-56739	161	16	msmes	msme	NOUN
cjfa-56739	161	17	owners	owner	NOUN
cjfa-56739	161	18	in	in	ADP
cjfa-56739	161	19	nigeria	nigeria	PROPN
cjfa-56739	161	20	.	.	PUNCT
cjfa-56739	162	1	■	■	PUNCT
cjfa-56739	162	2	the	the	DET
cjfa-56739	162	3	study	study	NOUN
cjfa-56739	162	4	also	also	ADV
cjfa-56739	162	5	reported	report	VERB
cjfa-56739	162	6	that	that	SCONJ
cjfa-56739	162	7	personal	personal	ADJ
cjfa-56739	162	8	experience	experience	NOUN
cjfa-56739	162	9	of	of	ADP
cjfa-56739	162	10	msmes	msme	NOUN
cjfa-56739	162	11	owners	owner	NOUN
cjfa-56739	162	12	has	have	VERB
cjfa-56739	162	13	significant	significant	ADJ
cjfa-56739	162	14	influence	influence	NOUN
cjfa-56739	162	15	on	on	ADP
cjfa-56739	162	16	financial	financial	ADJ
cjfa-56739	162	17	inclusion	inclusion	NOUN
cjfa-56739	162	18	.	.	PUNCT
cjfa-56739	163	1	finally	finally	ADV
cjfa-56739	163	2	,	,	PUNCT
cjfa-56739	163	3	financial	financial	ADJ
cjfa-56739	163	4	self	self	NOUN
cjfa-56739	163	5	-	-	PUNCT
cjfa-56739	163	6	efficacy	efficacy	NOUN
cjfa-56739	163	7	significantly	significantly	ADV
cjfa-56739	163	8	mediate	mediate	VERB
cjfa-56739	163	9	between	between	ADP
cjfa-56739	163	10	demand	demand	NOUN
cjfa-56739	163	11	side	side	NOUN
cjfa-56739	163	12	factors	factor	NOUN
cjfa-56739	163	13	and	and	CCONJ
cjfa-56739	163	14	financial	financial	ADJ
cjfa-56739	163	15	inclusion	inclusion	NOUN
cjfa-56739	163	16	of	of	ADP
cjfa-56739	163	17	msmes	msme	NOUN
cjfa-56739	163	18	in	in	ADP
cjfa-56739	163	19	nigeria	nigeria	PROPN
cjfa-56739	163	20	.	.	PUNCT
cjfa-56739	164	1	this	this	PRON
cjfa-56739	164	2	implies	imply	VERB
cjfa-56739	164	3	that	that	SCONJ
cjfa-56739	164	4	demand	demand	NOUN
cjfa-56739	164	5	side	side	NOUN
cjfa-56739	164	6	factors	factor	NOUN
cjfa-56739	164	7	is	be	AUX
cjfa-56739	164	8	a	a	DET
cjfa-56739	164	9	key	key	ADJ
cjfa-56739	164	10	determinants	determinant	NOUN
cjfa-56739	164	11	of	of	ADP
cjfa-56739	164	12	financial	financial	ADJ
cjfa-56739	164	13	inclusion	inclusion	NOUN
cjfa-56739	164	14	because	because	SCONJ
cjfa-56739	164	15	the	the	DET
cjfa-56739	164	16	survival	survival	NOUN
cjfa-56739	164	17	chance	chance	NOUN
cjfa-56739	164	18	of	of	ADP
cjfa-56739	164	19	msmes	msme	NOUN
cjfa-56739	164	20	is	be	AUX
cjfa-56739	164	21	very	very	ADV
cjfa-56739	164	22	slim	slim	ADJ
cjfa-56739	164	23	without	without	ADP
cjfa-56739	164	24	access	access	NOUN
cjfa-56739	164	25	to	to	ADP
cjfa-56739	164	26	a	a	DET
cjfa-56739	164	27	need	need	NOUN
cjfa-56739	164	28	finance	finance	NOUN
cjfa-56739	164	29	.	.	PUNCT
cjfa-56739	165	1	study	study	NOUN
cjfa-56739	165	2	limitations	limitation	NOUN
cjfa-56739	165	3	study	study	NOUN
cjfa-56739	165	4	limitations	limitation	NOUN
cjfa-56739	165	5	given	give	VERB
cjfa-56739	165	6	the	the	DET
cjfa-56739	165	7	scope	scope	NOUN
cjfa-56739	165	8	of	of	ADP
cjfa-56739	165	9	the	the	DET
cjfa-56739	165	10	study	study	NOUN
cjfa-56739	165	11	as	as	SCONJ
cjfa-56739	165	12	discussed	discuss	VERB
cjfa-56739	165	13	in	in	ADP
cjfa-56739	165	14	the	the	DET
cjfa-56739	165	15	methodology	methodology	NOUN
cjfa-56739	165	16	,	,	PUNCT
cjfa-56739	165	17	findings	finding	NOUN
cjfa-56739	165	18	in	in	ADP
cjfa-56739	165	19	terms	term	NOUN
cjfa-56739	165	20	of	of	ADP
cjfa-56739	165	21	space	space	NOUN
cjfa-56739	165	22	,	,	PUNCT
cjfa-56739	165	23	concept	concept	NOUN
cjfa-56739	165	24	and	and	CCONJ
cjfa-56739	165	25	time	time	NOUN
cjfa-56739	165	26	should	should	AUX
cjfa-56739	165	27	be	be	AUX
cjfa-56739	165	28	cautiously	cautiously	ADV
cjfa-56739	165	29	generalized	generalize	VERB
cjfa-56739	165	30	.	.	PUNCT
cjfa-56739	166	1	with	with	ADP
cjfa-56739	166	2	regards	regard	NOUN
cjfa-56739	166	3	to	to	ADP
cjfa-56739	166	4	space	space	NOUN
cjfa-56739	166	5	,	,	PUNCT
cjfa-56739	166	6	the	the	DET
cjfa-56739	166	7	study	study	NOUN
cjfa-56739	166	8	focus	focus	NOUN
cjfa-56739	166	9	is	be	AUX
cjfa-56739	166	10	narrow	narrow	ADJ
cjfa-56739	166	11	to	to	ADP
cjfa-56739	166	12	the	the	DET
cjfa-56739	166	13	oyo	oyo	NOUN
cjfa-56739	166	14	state	state	NOUN
cjfa-56739	166	15	in	in	ADP
cjfa-56739	166	16	nigeria	nigeria	PROPN
cjfa-56739	166	17	.	.	PUNCT
cjfa-56739	167	1	therefore	therefore	ADV
cjfa-56739	167	2	observe	observe	VERB
cjfa-56739	167	3	finding	finding	NOUN
cjfa-56739	167	4	may	may	AUX
cjfa-56739	167	5	not	not	PART
cjfa-56739	167	6	be	be	AUX
cjfa-56739	167	7	applicable	applicable	ADJ
cjfa-56739	167	8	to	to	ADP
cjfa-56739	167	9	the	the	DET
cjfa-56739	167	10	msmes	msme	NOUN
cjfa-56739	167	11	in	in	ADP
cjfa-56739	167	12	other	other	ADJ
cjfa-56739	167	13	countries	country	NOUN
cjfa-56739	167	14	given	give	VERB
cjfa-56739	167	15	the	the	DET
cjfa-56739	167	16	nature	nature	NOUN
cjfa-56739	167	17	of	of	ADP
cjfa-56739	167	18	the	the	DET
cjfa-56739	167	19	environment	environment	NOUN
cjfa-56739	167	20	and	and	CCONJ
cjfa-56739	167	21	other	other	ADJ
cjfa-56739	167	22	peculiarities	peculiarity	NOUN
cjfa-56739	167	23	.	.	PUNCT
cjfa-56739	168	1	however	however	ADV
cjfa-56739	168	2	,	,	PUNCT
cjfa-56739	168	3	the	the	DET
cjfa-56739	168	4	observe	observe	ADJ
cjfa-56739	168	5	limitation	limitation	NOUN
cjfa-56739	168	6	has	have	VERB
cjfa-56739	168	7	no	no	DET
cjfa-56739	168	8	effect	effect	NOUN
cjfa-56739	168	9	on	on	ADP
cjfa-56739	168	10	the	the	DET
cjfa-56739	168	11	validity	validity	NOUN
cjfa-56739	168	12	of	of	ADP
cjfa-56739	168	13	the	the	DET
cjfa-56739	168	14	current	current	ADJ
cjfa-56739	168	15	study	study	NOUN
cjfa-56739	168	16	.	.	PUNCT
cjfa-56739	169	1	given	give	VERB
cjfa-56739	169	2	that	that	SCONJ
cjfa-56739	169	3	the	the	DET
cjfa-56739	169	4	study	study	NOUN
cjfa-56739	169	5	was	be	AUX
cjfa-56739	169	6	conducted	conduct	VERB
cjfa-56739	169	7	using	use	VERB
cjfa-56739	169	8	cross	cross	NOUN
cjfa-56739	169	9	sectional	sectional	ADJ
cjfa-56739	169	10	research	research	NOUN
cjfa-56739	169	11	design	design	NOUN
cjfa-56739	169	12	in	in	ADP
cjfa-56739	169	13	oyo	oyo	NOUN
cjfa-56739	169	14	state	state	NOUN
cjfa-56739	169	15	,	,	PUNCT
cjfa-56739	169	16	nigeria	nigeria	PRON
cjfa-56739	169	17	,	,	PUNCT
cjfa-56739	169	18	limit	limit	VERB
cjfa-56739	169	19	the	the	DET
cjfa-56739	169	20	ability	ability	NOUN
cjfa-56739	169	21	of	of	ADP
cjfa-56739	169	22	the	the	DET
cjfa-56739	169	23	researcher	researcher	NOUN
cjfa-56739	169	24	to	to	PART
cjfa-56739	169	25	compare	compare	VERB
cjfa-56739	169	26	the	the	DET
cjfa-56739	169	27	findings	finding	NOUN
cjfa-56739	169	28	of	of	ADP
cjfa-56739	169	29	this	this	DET
cjfa-56739	169	30	study	study	NOUN
cjfa-56739	169	31	to	to	ADP
cjfa-56739	169	32	a	a	DET
cjfa-56739	169	33	certain	certain	ADJ
cjfa-56739	169	34	extent	extent	NOUN
cjfa-56739	169	35	.	.	PUNCT
cjfa-56739	170	1	suggestion	suggestion	NOUN
cjfa-56739	170	2	for	for	ADP
cjfa-56739	170	3	further	further	ADJ
cjfa-56739	170	4	studiessuggestion	studiessuggestion	NOUN
cjfa-56739	170	5	for	for	ADP
cjfa-56739	170	6	further	further	ADJ
cjfa-56739	170	7	studies	study	NOUN
cjfa-56739	170	8	the	the	DET
cjfa-56739	170	9	implications	implication	NOUN
cjfa-56739	170	10	and	and	CCONJ
cjfa-56739	170	11	limitations	limitation	NOUN
cjfa-56739	170	12	reported	report	VERB
cjfa-56739	170	13	in	in	ADP
cjfa-56739	170	14	the	the	DET
cjfa-56739	170	15	findings	finding	NOUN
cjfa-56739	170	16	related	relate	VERB
cjfa-56739	170	17	to	to	PART
cjfa-56739	170	18	demandside	demandside	VERB
cjfa-56739	170	19	factors	factor	NOUN
cjfa-56739	170	20	and	and	CCONJ
cjfa-56739	170	21	financial	financial	ADJ
cjfa-56739	170	22	inclusion	inclusion	NOUN
cjfa-56739	170	23	particularly	particularly	ADV
cjfa-56739	170	24	regarding	regard	VERB
cjfa-56739	170	25	the	the	DET
cjfa-56739	170	26	mediating	mediate	VERB
cjfa-56739	170	27	role	role	NOUN
cjfa-56739	170	28	of	of	ADP
cjfa-56739	170	29	financial	financial	ADJ
cjfa-56739	170	30	self	self	NOUN
cjfa-56739	170	31	-	-	PUNCT
cjfa-56739	170	32	efficacy	efficacy	NOUN
cjfa-56739	170	33	from	from	ADP
cjfa-56739	170	34	the	the	DET
cjfa-56739	170	35	msmes	msmes	PROPN
cjfa-56739	170	36	perspective	perspective	NOUN
cjfa-56739	170	37	suggest	suggest	VERB
cjfa-56739	170	38	several	several	ADJ
cjfa-56739	170	39	potential	potential	ADJ
cjfa-56739	170	40	directions	direction	NOUN
cjfa-56739	170	41	for	for	ADP
cjfa-56739	170	42	future	future	ADJ
cjfa-56739	170	43	research	research	NOUN
cjfa-56739	170	44	,	,	PUNCT
cjfa-56739	170	45	as	as	SCONJ
cjfa-56739	170	46	outlined	outline	VERB
cjfa-56739	170	47	below	below	ADV
cjfa-56739	170	48	.	.	PUNCT
cjfa-56739	171	1	firstly	firstly	ADV
cjfa-56739	171	2	,	,	PUNCT
cjfa-56739	171	3	given	give	VERB
cjfa-56739	171	4	that	that	SCONJ
cjfa-56739	171	5	the	the	DET
cjfa-56739	171	6	study	study	NOUN
cjfa-56739	171	7	was	be	AUX
cjfa-56739	171	8	conducted	conduct	VERB
cjfa-56739	171	9	in	in	ADP
cjfa-56739	171	10	oyo	oyo	NOUN
cjfa-56739	171	11	state	state	NOUN
cjfa-56739	171	12	,	,	PUNCT
cjfa-56739	171	13	nigeria	nigeria	PROPN
cjfa-56739	171	14	,	,	PUNCT
cjfa-56739	171	15	future	future	ADJ
cjfa-56739	171	16	study	study	NOUN
cjfa-56739	171	17	should	should	AUX
cjfa-56739	171	18	be	be	AUX
cjfa-56739	171	19	replicated	replicate	VERB
cjfa-56739	171	20	in	in	ADP
cjfa-56739	171	21	other	other	ADJ
cjfa-56739	171	22	country	country	NOUN
cjfa-56739	171	23	,	,	PUNCT
cjfa-56739	171	24	in	in	ADP
cjfa-56739	171	25	order	order	NOUN
cjfa-56739	171	26	to	to	PART
cjfa-56739	171	27	have	have	AUX
cjfa-56739	171	28	a	a	DET
cjfa-56739	171	29	robust	robust	ADJ
cjfa-56739	171	30	findings	finding	NOUN
cjfa-56739	171	31	and	and	CCONJ
cjfa-56739	171	32	conclusion	conclusion	NOUN
cjfa-56739	171	33	that	that	PRON
cjfa-56739	171	34	can	can	AUX
cjfa-56739	171	35	be	be	AUX
cjfa-56739	171	36	generalized	generalize	VERB
cjfa-56739	171	37	to	to	ADP
cjfa-56739	171	38	a	a	DET
cjfa-56739	171	39	large	large	ADJ
cjfa-56739	171	40	extent	extent	NOUN
cjfa-56739	171	41	.	.	PUNCT
cjfa-56739	172	1	secondly	secondly	ADV
cjfa-56739	172	2	,	,	PUNCT
cjfa-56739	172	3	future	future	ADJ
cjfa-56739	172	4	studies	study	NOUN
cjfa-56739	172	5	could	could	AUX
cjfa-56739	172	6	considered	consider	VERB
cjfa-56739	172	7	panel	panel	NOUN
cjfa-56739	172	8	research	research	NOUN
cjfa-56739	172	9	design	design	NOUN
cjfa-56739	172	10	as	as	ADP
cjfa-56739	172	11	against	against	ADP
cjfa-56739	172	12	cross	cross	PROPN
cjfa-56739	172	13	sectional	sectional	ADJ
cjfa-56739	172	14	research	research	NOUN
cjfa-56739	172	15	design	design	NOUN
cjfa-56739	172	16	because	because	SCONJ
cjfa-56739	172	17	in	in	ADP
cjfa-56739	172	18	reality	reality	NOUN
cjfa-56739	172	19	,	,	PUNCT
cjfa-56739	172	20	msmes	msme	NOUN
cjfa-56739	172	21	owners	owner	NOUN
cjfa-56739	172	22	are	be	AUX
cjfa-56739	172	23	subject	subject	ADJ
cjfa-56739	172	24	to	to	ADP
cjfa-56739	172	25	change	change	NOUN
cjfa-56739	172	26	over	over	ADP
cjfa-56739	172	27	time	time	NOUN
cjfa-56739	172	28	because	because	SCONJ
cjfa-56739	172	29	the	the	DET
cjfa-56739	172	30	environment	environment	NOUN
cjfa-56739	172	31	in	in	ADP
cjfa-56739	172	32	which	which	PRON
cjfa-56739	172	33	they	they	PRON
cjfa-56739	172	34	are	be	AUX
cjfa-56739	172	35	operating	operate	VERB
cjfa-56739	172	36	may	may	AUX
cjfa-56739	172	37	necessitate	necessitate	VERB
cjfa-56739	172	38	this	this	DET
cjfa-56739	172	39	examination	examination	NOUN
cjfa-56739	172	40	over	over	ADP
cjfa-56739	172	41	a	a	DET
cjfa-56739	172	42	long	long	ADJ
cjfa-56739	172	43	period	period	NOUN
cjfa-56739	172	44	of	of	ADP
cjfa-56739	172	45	time	time	NOUN
cjfa-56739	172	46	in	in	ADP
cjfa-56739	172	47	order	order	NOUN
cjfa-56739	172	48	to	to	PART
cjfa-56739	172	49	have	have	AUX
cjfa-56739	172	50	a	a	DET
cjfa-56739	172	51	robust	robust	ADJ
cjfa-56739	172	52	knowledge	knowledge	NOUN
cjfa-56739	172	53	and	and	CCONJ
cjfa-56739	172	54	a	a	DET
cjfa-56739	172	55	true	true	ADJ
cjfa-56739	172	56	picture	picture	NOUN
cjfa-56739	172	57	of	of	ADP
cjfa-56739	172	58	the	the	DET
cjfa-56739	172	59	subject	subject	ADJ
cjfa-56739	172	60	matters	matter	NOUN
cjfa-56739	172	61	.	.	PUNCT
cjfa-56739	173	1	abdullahi	abdullahi	PROPN
cjfa-56739	173	2	adio	adio	PROPN
cjfa-56739	173	3	babatunde4242	babatunde4242	PROPN
cjfa-56739	173	4	 	 	SPACE
cjfa-56739	173	5	references	reference	NOUN
cjfa-56739	173	6	 	 	SPACE
cjfa-56739	173	7	references	reference	NOUN
cjfa-56739	173	8	abdulmumin	abdulmumin	PROPN
cjfa-56739	173	9	,	,	PUNCT
cjfa-56739	173	10	b.a	b.a	PROPN
cjfa-56739	173	11	.	.	PROPN
cjfa-56739	173	12	,	,	PUNCT
cjfa-56739	173	13	etudaiye	etudaiye	NOUN
cjfa-56739	173	14	-	-	PUNCT
cjfa-56739	173	15	muhtar	muhtar	NOUN
cjfa-56739	173	16	,	,	PUNCT
cjfa-56739	173	17	o.f	o.f	PROPN
cjfa-56739	173	18	.	.	PROPN
cjfa-56739	173	19	,	,	PUNCT
cjfa-56739	173	20	jimoh	jimoh	PROPN
cjfa-56739	173	21	,	,	PUNCT
cjfa-56739	173	22	a.t	a.t	PROPN
cjfa-56739	173	23	.	.	PROPN
cjfa-56739	173	24	,	,	PUNCT
cjfa-56739	173	25	&	&	CCONJ
cjfa-56739	173	26	sakariyahu	sakariyahu	PROPN
cjfa-56739	173	27	,	,	PUNCT
cjfa-56739	173	28	o.r	o.r	PROPN
cjfa-56739	173	29	.	.	PROPN
cjfa-56739	173	30	(	(	PUNCT
cjfa-56739	173	31	2019	2019	NUM
cjfa-56739	173	32	)	)	PUNCT
cjfa-56739	173	33	.	.	PUNCT
cjfa-56739	174	1	an	an	DET
cjfa-56739	174	2	investigation	investigation	NOUN
cjfa-56739	174	3	into	into	ADP
cjfa-56739	174	4	the	the	DET
cjfa-56739	174	5	level	level	NOUN
cjfa-56739	174	6	of	of	ADP
cjfa-56739	174	7	financial	financial	ADJ
cjfa-56739	174	8	inclusion	inclusion	NOUN
cjfa-56739	174	9	in	in	ADP
cjfa-56739	174	10	sub	sub	ADJ
cjfa-56739	174	11	-	-	ADJ
cjfa-56739	174	12	saharan	saharan	ADJ
cjfa-56739	174	13	africa	africa	PROPN
cjfa-56739	174	14	.	.	PUNCT
cjfa-56739	175	1	scientific	scientific	ADJ
cjfa-56739	175	2	annals	annal	NOUN
cjfa-56739	175	3	of	of	ADP
cjfa-56739	175	4	economics	economic	NOUN
cjfa-56739	175	5	and	and	CCONJ
cjfa-56739	175	6	business	business	NOUN
cjfa-56739	175	7	,	,	PUNCT
cjfa-56739	175	8	66(1	66(1	NOUN
cjfa-56739	175	9	)	)	PUNCT
cjfa-56739	175	10	,	,	PUNCT
cjfa-56739	175	11	1–23	1–23	PROPN
cjfa-56739	175	12	.	.	PUNCT
cjfa-56739	176	1	https://doi.org/10.2478/saeb-20190004	https://doi.org/10.2478/saeb-20190004	PROPN
cjfa-56739	176	2	.	.	PUNCT
cjfa-56739	177	1	abel	abel	PROPN
cjfa-56739	177	2	,	,	PUNCT
cjfa-56739	177	3	s.	s.	PROPN
cjfa-56739	177	4	,	,	PUNCT
cjfa-56739	177	5	mutandwa	mutandwa	VERB
cjfa-56739	177	6	,	,	PUNCT
cjfa-56739	177	7	l.	l.	PROPN
cjfa-56739	177	8	,	,	PUNCT
cjfa-56739	177	9	&	&	CCONJ
cjfa-56739	177	10	le	le	X
cjfa-56739	177	11	roux	roux	NOUN
cjfa-56739	177	12	,	,	PUNCT
cjfa-56739	177	13	p.	p.	NOUN
cjfa-56739	177	14	(	(	PUNCT
cjfa-56739	177	15	2018	2018	NUM
cjfa-56739	177	16	)	)	PUNCT
cjfa-56739	177	17	.	.	PUNCT
cjfa-56739	178	1	a	a	DET
cjfa-56739	178	2	review	review	NOUN
cjfa-56739	178	3	of	of	ADP
cjfa-56739	178	4	determinants	determinant	NOUN
cjfa-56739	178	5	of	of	ADP
cjfa-56739	178	6	financial	financial	ADJ
cjfa-56739	178	7	inclusion	inclusion	NOUN
cjfa-56739	178	8	.	.	PUNCT
cjfa-56739	179	1	international	international	ADJ
cjfa-56739	179	2	journal	journal	PROPN
cjfa-56739	179	3	of	of	ADP
cjfa-56739	179	4	economics	economic	NOUN
cjfa-56739	179	5	and	and	CCONJ
cjfa-56739	179	6	financial	financial	ADJ
cjfa-56739	179	7	issues	issue	NOUN
cjfa-56739	179	8	,	,	PUNCT
cjfa-56739	179	9	8(3	8(3	NUM
cjfa-56739	179	10	)	)	PUNCT
cjfa-56739	179	11	,	,	PUNCT
cjfa-56739	179	12	1	1	NUM
cjfa-56739	179	13	-	-	SYM
cjfa-56739	179	14	8	8	NUM
cjfa-56739	179	15	.	.	PUNCT
cjfa-56739	180	1	ahluwalia	ahluwalia	PROPN
cjfa-56739	180	2	,	,	PUNCT
cjfa-56739	180	3	r.	r.	PROPN
cjfa-56739	180	4	,	,	PUNCT
cjfa-56739	180	5	burnkrant	burnkrant	PROPN
cjfa-56739	180	6	,	,	PUNCT
cjfa-56739	180	7	r.e	r.e	PROPN
cjfa-56739	180	8	.	.	PROPN
cjfa-56739	180	9	,	,	PUNCT
cjfa-56739	180	10	&	&	CCONJ
cjfa-56739	180	11	unnava	unnava	PROPN
cjfa-56739	180	12	,	,	PUNCT
cjfa-56739	180	13	h.r	h.r	PROPN
cjfa-56739	180	14	.	.	PROPN
cjfa-56739	180	15	(	(	PUNCT
cjfa-56739	180	16	2000	2000	NUM
cjfa-56739	180	17	)	)	PUNCT
cjfa-56739	180	18	.	.	PUNCT
cjfa-56739	181	1	consumer	consumer	NOUN
cjfa-56739	181	2	response	response	NOUN
cjfa-56739	181	3	to	to	ADP
cjfa-56739	181	4	negative	negative	ADJ
cjfa-56739	181	5	publicity	publicity	NOUN
cjfa-56739	181	6	:	:	PUNCT
cjfa-56739	181	7	the	the	DET
cjfa-56739	181	8	moderating	moderate	VERB
cjfa-56739	181	9	role	role	NOUN
cjfa-56739	181	10	of	of	ADP
cjfa-56739	181	11	commitment	commitment	NOUN
cjfa-56739	181	12	.	.	PUNCT
cjfa-56739	182	1	journal	journal	NOUN
cjfa-56739	182	2	of	of	ADP
cjfa-56739	182	3	marketing	marketing	NOUN
cjfa-56739	182	4	research	research	NOUN
cjfa-56739	182	5	,	,	PUNCT
cjfa-56739	182	6	37(2	37(2	PROPN
cjfa-56739	182	7	)	)	PUNCT
cjfa-56739	182	8	,	,	PUNCT
cjfa-56739	182	9	203	203	NUM
cjfa-56739	182	10	-	-	SYM
cjfa-56739	182	11	214	214	NUM
cjfa-56739	182	12	.	.	PUNCT
cjfa-56739	183	1	https://doi.org/10.1509/jmkr.37.2.203.18734	https://doi.org/10.1509/jmkr.37.2.203.18734	ADJ
cjfa-56739	183	2	.	.	PUNCT
cjfa-56739	184	1	ajide	ajide	PROPN
cjfa-56739	184	2	,	,	PUNCT
cjfa-56739	184	3	k.b	k.b	PROPN
cjfa-56739	184	4	.	.	PUNCT
cjfa-56739	185	1	(	(	PUNCT
cjfa-56739	185	2	2017	2017	NUM
cjfa-56739	185	3	)	)	PUNCT
cjfa-56739	185	4	.	.	PUNCT
cjfa-56739	186	1	determinants	determinant	NOUN
cjfa-56739	186	2	of	of	ADP
cjfa-56739	186	3	financial	financial	ADJ
cjfa-56739	186	4	inclusion	inclusion	NOUN
cjfa-56739	186	5	in	in	ADP
cjfa-56739	186	6	sub	sub	ADJ
cjfa-56739	186	7	-	-	ADJ
cjfa-56739	186	8	saharan	saharan	ADJ
cjfa-56739	186	9	africa	africa	PROPN
cjfa-56739	186	10	countries	country	NOUN
cjfa-56739	186	11	:	:	PUNCT
cjfa-56739	186	12	does	do	VERB
cjfa-56739	186	13	institutional	institutional	ADJ
cjfa-56739	186	14	infrastructure	infrastructure	NOUN
cjfa-56739	186	15	matter	matter	NOUN
cjfa-56739	186	16	?	?	PUNCT
cjfa-56739	187	1	cbn	cbn	PROPN
cjfa-56739	187	2	journal	journal	PROPN
cjfa-56739	187	3	of	of	ADP
cjfa-56739	187	4	applied	applied	ADJ
cjfa-56739	187	5	statistics	statistic	NOUN
cjfa-56739	187	6	,	,	PUNCT
cjfa-56739	187	7	8(2	8(2	NUM
cjfa-56739	187	8	)	)	PUNCT
cjfa-56739	187	9	,	,	PUNCT
cjfa-56739	187	10	69	69	NUM
cjfa-56739	187	11	-	-	SYM
cjfa-56739	187	12	89	89	NUM
cjfa-56739	187	13	.	.	PUNCT
cjfa-56739	188	1	akudugu	akudugu	ADV
cjfa-56739	188	2	,	,	PUNCT
cjfa-56739	188	3	m.a	m.a	PROPN
cjfa-56739	188	4	.	.	PROPN
cjfa-56739	188	5	(	(	PUNCT
cjfa-56739	188	6	2013	2013	NUM
cjfa-56739	188	7	)	)	PUNCT
cjfa-56739	188	8	.	.	PUNCT
cjfa-56739	189	1	the	the	DET
cjfa-56739	189	2	determinants	determinant	NOUN
cjfa-56739	189	3	of	of	ADP
cjfa-56739	189	4	financial	financial	ADJ
cjfa-56739	189	5	inclusion	inclusion	NOUN
cjfa-56739	189	6	in	in	ADP
cjfa-56739	189	7	west	west	PROPN
cjfa-56739	189	8	africa	africa	PROPN
cjfa-56739	189	9	:	:	PUNCT
cjfa-56739	189	10	insight	insight	NOUN
cjfa-56739	189	11	from	from	ADP
cjfa-56739	189	12	ghana	ghana	PROPN
cjfa-56739	189	13	.	.	PUNCT
cjfa-56739	190	1	research	research	NOUN
cjfa-56739	190	2	journal	journal	PROPN
cjfa-56739	190	3	of	of	ADP
cjfa-56739	190	4	accounting	accounting	NOUN
cjfa-56739	190	5	and	and	CCONJ
cjfa-56739	190	6	finance	finance	NOUN
cjfa-56739	190	7	,	,	PUNCT
cjfa-56739	190	8	4(8	4(8	NUM
cjfa-56739	190	9	)	)	PUNCT
cjfa-56739	190	10	,	,	PUNCT
cjfa-56739	190	11	1	1	NUM
cjfa-56739	190	12	-	-	SYM
cjfa-56739	190	13	10	10	NUM
cjfa-56739	190	14	.	.	PUNCT
cjfa-56739	191	1	amatucci	amatucci	PROPN
cjfa-56739	191	2	,	,	PUNCT
cjfa-56739	191	3	f.m	f.m	PROPN
cjfa-56739	191	4	.	.	PROPN
cjfa-56739	191	5	,	,	PUNCT
cjfa-56739	191	6	&	&	CCONJ
cjfa-56739	191	7	crawley	crawley	PROPN
cjfa-56739	191	8	,	,	PUNCT
cjfa-56739	191	9	d.c	d.c	PROPN
cjfa-56739	191	10	.	.	PUNCT
cjfa-56739	191	11	(	(	PUNCT
cjfa-56739	191	12	2011	2011	NUM
cjfa-56739	191	13	)	)	PUNCT
cjfa-56739	191	14	.	.	PUNCT
cjfa-56739	192	1	financial	financial	ADJ
cjfa-56739	192	2	self	self	NOUN
cjfa-56739	192	3	-	-	PUNCT
cjfa-56739	192	4	efficacy	efficacy	NOUN
cjfa-56739	192	5	among	among	ADP
cjfa-56739	192	6	women	woman	NOUN
cjfa-56739	192	7	entrepreneurs	entrepreneur	NOUN
cjfa-56739	192	8	.	.	PUNCT
cjfa-56739	193	1	international	international	ADJ
cjfa-56739	193	2	journal	journal	PROPN
cjfa-56739	193	3	of	of	ADP
cjfa-56739	193	4	gender	gender	NOUN
cjfa-56739	193	5	and	and	CCONJ
cjfa-56739	193	6	entrepreneurship	entrepreneurship	NOUN
cjfa-56739	193	7	,	,	PUNCT
cjfa-56739	193	8	3(1	3(1	NUM
cjfa-56739	193	9	)	)	PUNCT
cjfa-56739	193	10	,	,	PUNCT
cjfa-56739	193	11	23	23	NUM
cjfa-56739	193	12	-	-	SYM
cjfa-56739	193	13	37	37	NUM
cjfa-56739	193	14	.	.	PUNCT
cjfa-56739	194	1	https://doi	https://doi	PROPN
cjfa-56739	194	2	.	.	PUNCT
cjfa-56739	194	3	org/10.1108/17566261111114962	org/10.1108/17566261111114962	PROPN
cjfa-56739	194	4	.	.	PROPN
cjfa-56739	194	5	barnir	barnir	PROPN
cjfa-56739	194	6	,	,	PUNCT
cjfa-56739	194	7	a.	a.	PROPN
cjfa-56739	194	8	,	,	PUNCT
cjfa-56739	194	9	watson	watson	PROPN
cjfa-56739	194	10	,	,	PUNCT
cjfa-56739	194	11	w.e	w.e	PROPN
cjfa-56739	194	12	.	.	PROPN
cjfa-56739	194	13	,	,	PUNCT
cjfa-56739	194	14	&	&	CCONJ
cjfa-56739	194	15	hutchins	hutchins	PROPN
cjfa-56739	194	16	,	,	PUNCT
cjfa-56739	194	17	h.m	h.m	PROPN
cjfa-56739	194	18	.	.	PROPN
cjfa-56739	194	19	(	(	PUNCT
cjfa-56739	194	20	2011	2011	NUM
cjfa-56739	194	21	)	)	PUNCT
cjfa-56739	194	22	.	.	PUNCT
cjfa-56739	195	1	mediation	mediation	NOUN
cjfa-56739	195	2	and	and	CCONJ
cjfa-56739	195	3	moderated	moderated	ADJ
cjfa-56739	195	4	mediation	mediation	NOUN
cjfa-56739	195	5	in	in	ADP
cjfa-56739	195	6	the	the	DET
cjfa-56739	195	7	relationship	relationship	NOUN
cjfa-56739	195	8	among	among	ADP
cjfa-56739	195	9	role	role	NOUN
cjfa-56739	195	10	models	model	NOUN
cjfa-56739	195	11	,	,	PUNCT
cjfa-56739	195	12	self	self	NOUN
cjfa-56739	195	13	-	-	PUNCT
cjfa-56739	195	14	efficacy	efficacy	NOUN
cjfa-56739	195	15	,	,	PUNCT
cjfa-56739	195	16	entrepreneurial	entrepreneurial	ADJ
cjfa-56739	195	17	career	career	NOUN
cjfa-56739	195	18	intention	intention	NOUN
cjfa-56739	195	19	,	,	PUNCT
cjfa-56739	195	20	and	and	CCONJ
cjfa-56739	195	21	gender	gender	NOUN
cjfa-56739	195	22	.	.	PUNCT
cjfa-56739	195	23	journal	journal	PROPN
cjfa-56739	195	24	of	of	ADP
cjfa-56739	195	25	applied	apply	VERB
cjfa-56739	195	26	social	social	ADJ
cjfa-56739	195	27	psychology	psychology	NOUN
cjfa-56739	195	28	,	,	PUNCT
cjfa-56739	195	29	41(2	41(2	NUM
cjfa-56739	195	30	)	)	PUNCT
cjfa-56739	195	31	,	,	PUNCT
cjfa-56739	195	32	270–297	270–297	NUM
cjfa-56739	195	33	.	.	PUNCT
cjfa-56739	196	1	https://doi	https://doi	PROPN
cjfa-56739	196	2	.	.	PUNCT
cjfa-56739	196	3	org/10.1111	org/10.1111	PROPN
cjfa-56739	196	4	/	/	SYM
cjfa-56739	196	5	j.1559	j.1559	PROPN
cjfa-56739	196	6	-	-	PUNCT
cjfa-56739	196	7	1816.2010.00713.x	1816.2010.00713.x	NUM
cjfa-56739	196	8	.	.	PUNCT
cjfa-56739	197	1	braunstein	braunstein	PROPN
cjfa-56739	197	2	,	,	PUNCT
cjfa-56739	197	3	s.	s.	PROPN
cjfa-56739	197	4	,	,	PUNCT
cjfa-56739	197	5	&	&	CCONJ
cjfa-56739	197	6	welch	welch	PROPN
cjfa-56739	197	7	,	,	PUNCT
cjfa-56739	197	8	c.	c.	PROPN
cjfa-56739	197	9	(	(	PUNCT
cjfa-56739	197	10	2002	2002	NUM
cjfa-56739	197	11	)	)	PUNCT
cjfa-56739	197	12	.	.	PUNCT
cjfa-56739	198	1	financial	financial	ADJ
cjfa-56739	198	2	literacy	literacy	NOUN
cjfa-56739	198	3	:	:	PUNCT
cjfa-56739	198	4	an	an	DET
cjfa-56739	198	5	overview	overview	NOUN
cjfa-56739	198	6	of	of	ADP
cjfa-56739	198	7	practice	practice	NOUN
cjfa-56739	198	8	,	,	PUNCT
cjfa-56739	198	9	research	research	NOUN
cjfa-56739	198	10	,	,	PUNCT
cjfa-56739	198	11	and	and	CCONJ
cjfa-56739	198	12	policy	policy	NOUN
cjfa-56739	198	13	.	.	PUNCT
cjfa-56739	199	1	federal	federal	PROPN
cjfa-56739	199	2	reserve	reserve	PROPN
cjfa-56739	199	3	bulletin	bulletin	PROPN
cjfa-56739	199	4	,	,	PUNCT
cjfa-56739	199	5	88	88	NUM
cjfa-56739	199	6	,	,	PUNCT
cjfa-56739	199	7	445	445	NUM
cjfa-56739	199	8	-	-	SYM
cjfa-56739	199	9	457	457	NUM
cjfa-56739	199	10	.	.	PUNCT
cjfa-56739	200	1	https://10.17016	https://10.17016	PROPN
cjfa-56739	200	2	/	/	SYM
cjfa-56739	200	3	bulletin.2002.88	bulletin.2002.88	PROPN
cjfa-56739	200	4	-	-	PUNCT
cjfa-56739	200	5	11	11	NUM
cjfa-56739	200	6	.	.	PUNCT
cjfa-56739	201	1	burlando	burlando	NOUN
cjfa-56739	201	2	,	,	PUNCT
cjfa-56739	201	3	a.	a.	NOUN
cjfa-56739	201	4	,	,	PUNCT
cjfa-56739	201	5	&	&	CCONJ
cjfa-56739	201	6	canidio	canidio	NOUN
cjfa-56739	201	7	,	,	PUNCT
cjfa-56739	201	8	a.	a.	NOUN
cjfa-56739	201	9	(	(	PUNCT
cjfa-56739	201	10	2015	2015	NUM
cjfa-56739	201	11	)	)	PUNCT
cjfa-56739	201	12	.	.	PUNCT
cjfa-56739	202	1	financial	financial	ADJ
cjfa-56739	202	2	inclusion	inclusion	NOUN
cjfa-56739	202	3	of	of	ADP
cjfa-56739	202	4	vulnerable	vulnerable	ADJ
cjfa-56739	202	5	households	household	NOUN
cjfa-56739	202	6	through	through	ADP
cjfa-56739	202	7	savings	saving	NOUN
cjfa-56739	202	8	and	and	CCONJ
cjfa-56739	202	9	borrowing	borrowing	NOUN
cjfa-56739	202	10	groups	group	NOUN
cjfa-56739	202	11	:	:	PUNCT
cjfa-56739	202	12	theory	theory	NOUN
cjfa-56739	202	13	and	and	CCONJ
cjfa-56739	202	14	experimental	experimental	ADJ
cjfa-56739	202	15	evidence	evidence	NOUN
cjfa-56739	202	16	from	from	ADP
cjfa-56739	202	17	uganda	uganda	PROPN
cjfa-56739	202	18	,	,	PUNCT
cjfa-56739	202	19	universiy	universiy	NOUN
cjfa-56739	202	20	of	of	ADP
cjfa-56739	202	21	oregon	oregon	PROPN
cjfa-56739	202	22	research	research	PROPN
cjfa-56739	202	23	,	,	PUNCT
cjfa-56739	202	24	eugene	eugene	PROPN
cjfa-56739	202	25	.	.	PUNCT
cjfa-56739	203	1	chen	chen	PROPN
cjfa-56739	203	2	,	,	PUNCT
cjfa-56739	203	3	e.z	e.z	PROPN
cjfa-56739	203	4	.	.	PROPN
cjfa-56739	203	5	,	,	PUNCT
cjfa-56739	203	6	dowling	dowling	PROPN
cjfa-56739	203	7	,	,	PUNCT
cjfa-56739	203	8	n.a	n.a	PROPN
cjfa-56739	203	9	.	.	PROPN
cjfa-56739	203	10	,	,	PUNCT
cjfa-56739	203	11	&	&	CCONJ
cjfa-56739	203	12	yap	yap	PROPN
cjfa-56739	203	13	,	,	PUNCT
cjfa-56739	203	14	k.	k.	PROPN
cjfa-56739	203	15	(	(	PUNCT
cjfa-56739	203	16	2012	2012	NUM
cjfa-56739	203	17	)	)	PUNCT
cjfa-56739	203	18	.	.	PUNCT
cjfa-56739	204	1	an	an	DET
cjfa-56739	204	2	examination	examination	NOUN
cjfa-56739	204	3	of	of	ADP
cjfa-56739	204	4	gambling	gambling	NOUN
cjfa-56739	204	5	behaviour	behaviour	NOUN
cjfa-56739	204	6	in	in	ADP
cjfa-56739	204	7	relation	relation	NOUN
cjfa-56739	204	8	to	to	ADP
cjfa-56739	204	9	financial	financial	ADJ
cjfa-56739	204	10	management	management	NOUN
cjfa-56739	204	11	behaviour	behaviour	NOUN
cjfa-56739	204	12	,	,	PUNCT
cjfa-56739	204	13	financial	financial	ADJ
cjfa-56739	204	14	attitudes	attitude	NOUN
cjfa-56739	204	15	,	,	PUNCT
cjfa-56739	204	16	and	and	CCONJ
cjfa-56739	204	17	money	money	NOUN
cjfa-56739	204	18	attitudes	attitude	NOUN
cjfa-56739	204	19	.	.	PUNCT
cjfa-56739	205	1	international	international	ADJ
cjfa-56739	205	2	journal	journal	PROPN
cjfa-56739	205	3	of	of	ADP
cjfa-56739	205	4	mental	mental	ADJ
cjfa-56739	205	5	health	health	NOUN
cjfa-56739	205	6	and	and	CCONJ
cjfa-56739	205	7	addiction	addiction	NOUN
cjfa-56739	205	8	,	,	PUNCT
cjfa-56739	205	9	10(2	10(2	NUM
cjfa-56739	205	10	)	)	PUNCT
cjfa-56739	205	11	,	,	PUNCT
cjfa-56739	205	12	231	231	NUM
cjfa-56739	205	13	-	-	SYM
cjfa-56739	205	14	242	242	NUM
cjfa-56739	205	15	.	.	PUNCT
cjfa-56739	206	1	https://	https://	NOUN
cjfa-56739	206	2	doi.org/10.1007/s11469-011-9311-z	doi.org/10.1007/s11469-011-9311-z	NOUN
cjfa-56739	206	3	.	.	PUNCT
cjfa-56739	207	1	chithra	chithra	PROPN
cjfa-56739	207	2	,	,	PUNCT
cjfa-56739	207	3	n.	n.	NOUN
cjfa-56739	207	4	,	,	PUNCT
cjfa-56739	207	5	&	&	CCONJ
cjfa-56739	207	6	selvam	selvam	PROPN
cjfa-56739	207	7	,	,	PUNCT
cjfa-56739	207	8	m.	m.	NOUN
cjfa-56739	207	9	(	(	PUNCT
cjfa-56739	207	10	2013	2013	NUM
cjfa-56739	207	11	)	)	PUNCT
cjfa-56739	207	12	.	.	PUNCT
cjfa-56739	208	1	determinants	determinant	NOUN
cjfa-56739	208	2	of	of	ADP
cjfa-56739	208	3	financial	financial	ADJ
cjfa-56739	208	4	inclusion	inclusion	NOUN
cjfa-56739	208	5	:	:	PUNCT
cjfa-56739	208	6	an	an	DET
cjfa-56739	208	7	empirical	empirical	ADJ
cjfa-56739	208	8	study	study	NOUN
cjfa-56739	208	9	on	on	ADP
cjfa-56739	208	10	the	the	DET
cjfa-56739	208	11	inter	inter	ADJ
cjfa-56739	208	12	-	-	ADJ
cjfa-56739	208	13	state	state	ADJ
cjfa-56739	208	14	variations	variation	NOUN
cjfa-56739	208	15	in	in	ADP
cjfa-56739	208	16	idian	idian	PROPN
cjfa-56739	208	17	.	.	PUNCT
cjfa-56739	209	1	ssrn	ssrn	PROPN
cjfa-56739	209	2	electronic	electronic	ADJ
cjfa-56739	209	3	journal	journal	PROPN
cjfa-56739	209	4	.	.	PUNCT
cjfa-56739	210	1	https://dx.doi	https://dx.doi	PROPN
cjfa-56739	210	2	.	.	PUNCT
cjfa-56739	211	1	org/10.2139	org/10.2139	PROPN
cjfa-56739	211	2	/	/	SYM
cjfa-56739	211	3	ssrn.2296096	ssrn.2296096	PROPN
cjfa-56739	211	4	.	.	PROPN
cjfa-56739	211	5	co	co	PROPN
cjfa-56739	211	6	,	,	PUNCT
cjfa-56739	211	7	m.	m.	NOUN
cjfa-56739	211	8	,	,	PUNCT
cjfa-56739	211	9	&	&	CCONJ
cjfa-56739	211	10	centeno	centeno	PROPN
cjfa-56739	211	11	,	,	PUNCT
cjfa-56739	211	12	d.d.g	d.d.g	NOUN
cjfa-56739	211	13	.	.	PUNCT
cjfa-56739	212	1	(	(	PUNCT
cjfa-56739	212	2	2023	2023	NUM
cjfa-56739	212	3	)	)	PUNCT
cjfa-56739	212	4	.	.	PUNCT
cjfa-56739	213	1	effects	effect	NOUN
cjfa-56739	213	2	of	of	ADP
cjfa-56739	213	3	filipino	filipino	ADJ
cjfa-56739	213	4	consumers	consumer	NOUN
cjfa-56739	213	5	’	'	PUNCT
cjfa-56739	213	6	financial	financial	ADJ
cjfa-56739	213	7	attitudes	attitude	NOUN
cjfa-56739	213	8	,	,	PUNCT
cjfa-56739	213	9	subjective	subjective	ADJ
cjfa-56739	213	10	norms	norm	NOUN
cjfa-56739	213	11	,	,	PUNCT
cjfa-56739	213	12	and	and	CCONJ
cjfa-56739	213	13	perceived	perceive	VERB
cjfa-56739	213	14	behavioral	behavioral	ADJ
cjfa-56739	213	15	control	control	NOUN
cjfa-56739	213	16	on	on	ADP
cjfa-56739	213	17	intentions	intention	NOUN
cjfa-56739	213	18	to	to	PART
cjfa-56739	213	19	formal	formal	ADJ
cjfa-56739	213	20	banking	banking	NOUN
cjfa-56739	213	21	:	:	PUNCT
cjfa-56739	213	22	towards	towards	ADP
cjfa-56739	213	23	financial	financial	ADJ
cjfa-56739	213	24	inclusion	inclusion	NOUN
cjfa-56739	213	25	.	.	PUNCT
cjfa-56739	214	1	philippine	philippine	ADJ
cjfa-56739	214	2	management	management	PROPN
cjfa-56739	214	3	review	review	PROPN
cjfa-56739	214	4	,	,	PUNCT
cjfa-56739	214	5	30(1	30(1	NUM
cjfa-56739	214	6	)	)	PUNCT
cjfa-56739	214	7	,	,	PUNCT
cjfa-56739	214	8	15	15	NUM
cjfa-56739	214	9	-	-	SYM
cjfa-56739	214	10	38	38	NUM
cjfa-56739	214	11	.	.	PUNCT
cjfa-56739	215	1	danes	dane	NOUN
cjfa-56739	215	2	,	,	PUNCT
cjfa-56739	215	3	s.m	s.m	PROPN
cjfa-56739	215	4	.	.	PROPN
cjfa-56739	215	5	,	,	PUNCT
cjfa-56739	215	6	&	&	CCONJ
cjfa-56739	215	7	haberman	haberman	PROPN
cjfa-56739	215	8	,	,	PUNCT
cjfa-56739	215	9	h.r	h.r	PROPN
cjfa-56739	215	10	.	.	PROPN
cjfa-56739	215	11	(	(	PUNCT
cjfa-56739	215	12	2007	2007	NUM
cjfa-56739	215	13	)	)	PUNCT
cjfa-56739	215	14	.	.	PUNCT
cjfa-56739	216	1	teen	teen	ADJ
cjfa-56739	216	2	financial	financial	ADJ
cjfa-56739	216	3	knowledge	knowledge	NOUN
cjfa-56739	216	4	,	,	PUNCT
cjfa-56739	216	5	self	self	NOUN
cjfa-56739	216	6	-	-	PUNCT
cjfa-56739	216	7	efficacy	efficacy	NOUN
cjfa-56739	216	8	,	,	PUNCT
cjfa-56739	216	9	and	and	CCONJ
cjfa-56739	216	10	behavior	behavior	NOUN
cjfa-56739	216	11	:	:	PUNCT
cjfa-56739	216	12	a	a	DET
cjfa-56739	216	13	gendered	gendered	NOUN
cjfa-56739	216	14	view	view	NOUN
cjfa-56739	216	15	.	.	PUNCT
cjfa-56739	217	1	journal	journal	NOUN
cjfa-56739	217	2	of	of	ADP
cjfa-56739	217	3	financial	financial	ADJ
cjfa-56739	217	4	counseling	counseling	NOUN
cjfa-56739	217	5	&	&	CCONJ
cjfa-56739	217	6	planning	planning	NOUN
cjfa-56739	217	7	,	,	PUNCT
cjfa-56739	217	8	18(2	18(2	NUM
cjfa-56739	217	9	)	)	PUNCT
cjfa-56739	217	10	,	,	PUNCT
cjfa-56739	217	11	48	48	NUM
cjfa-56739	217	12	-	-	SYM
cjfa-56739	217	13	60	60	NUM
cjfa-56739	217	14	.	.	PUNCT
cjfa-56739	218	1	demirgüç	demirgüç	PROPN
cjfa-56739	218	2	-	-	PUNCT
cjfa-56739	218	3	kunt	kunt	PROPN
cjfa-56739	218	4	,	,	PUNCT
cjfa-56739	218	5	a.	a.	PROPN
cjfa-56739	218	6	,	,	PUNCT
cjfa-56739	218	7	&	&	CCONJ
cjfa-56739	218	8	klapper	klapper	PROPN
cjfa-56739	218	9	,	,	PUNCT
cjfa-56739	218	10	l.f	l.f	PROPN
cjfa-56739	218	11	.	.	PROPN
cjfa-56739	218	12	(	(	PUNCT
cjfa-56739	218	13	2012	2012	NUM
cjfa-56739	218	14	)	)	PUNCT
cjfa-56739	218	15	.	.	PUNCT
cjfa-56739	219	1	financial	financial	ADJ
cjfa-56739	219	2	inclusion	inclusion	NOUN
cjfa-56739	219	3	in	in	ADP
cjfa-56739	219	4	africa	africa	PROPN
cjfa-56739	219	5	:	:	PUNCT
cjfa-56739	219	6	an	an	DET
cjfa-56739	219	7	overview	overview	NOUN
cjfa-56739	219	8	.	.	PUNCT
cjfa-56739	220	1	world	world	NOUN
cjfa-56739	220	2	bank	bank	PROPN
cjfa-56739	220	3	policy	policy	NOUN
cjfa-56739	220	4	research	research	NOUN
cjfa-56739	220	5	working	working	NOUN
cjfa-56739	220	6	paper	paper	NOUN
cjfa-56739	220	7	(	(	PUNCT
cjfa-56739	220	8	6088	6088	NUM
cjfa-56739	220	9	)	)	PUNCT
cjfa-56739	220	10	.	.	PUNCT
cjfa-56739	221	1	washington	washington	PROPN
cjfa-56739	221	2	,	,	PUNCT
cjfa-56739	221	3	d.c	d.c	PROPN
cjfa-56739	221	4	.	.	PUNCT
cjfa-56739	221	5	:	:	PUNCT
cjfa-56739	221	6	world	world	PROPN
cjfa-56739	221	7	bank	bank	PROPN
cjfa-56739	221	8	group	group	NOUN
cjfa-56739	221	9	.	.	PUNCT
cjfa-56739	222	1	https://www.researchgate.net/journal/journal-of-marketing-research-1547-7193?_tp=eyjjb250zxh0ijp7imzpcnn0ugfnzsi6inb1ymxpy2f0aw9uiiwicgfnzsi6inb1ymxpy2f0aw9uiiwicg9zaxrpb24ioijwywdlsgvhzgvyin19	https://www.researchgate.net/journal/journal-of-marketing-research-1547-7193?_tp=eyjjb250zxh0ijp7imzpcnn0ugfnzsi6inb1ymxpy2f0aw9uiiwicgfnzsi6inb1ymxpy2f0aw9uiiwicg9zaxrpb24ioijwywdlsgvhzgvyin19	NOUN
cjfa-56739	222	2	http://dx.doi.org/10.1509/jmkr.37.2.203.18734	http://dx.doi.org/10.1509/jmkr.37.2.203.18734	PROPN
cjfa-56739	222	3	https://psycnet.apa.org/doi/10.1111/j.1559-1816.2010.00713.x	https://psycnet.apa.org/doi/10.1111/j.1559-1816.2010.00713.x	NOUN
cjfa-56739	222	4	https://psycnet.apa.org/doi/10.1111/j.1559-1816.2010.00713.x	https://psycnet.apa.org/doi/10.1111/j.1559-1816.2010.00713.x	NOUN
cjfa-56739	222	5	https://doi.org/10.1007/s11469-011-9311-z	https://doi.org/10.1007/s11469-011-9311-z	NOUN
cjfa-56739	222	6	https://doi.org/10.1007/s11469-011-9311-z	https://doi.org/10.1007/s11469-011-9311-z	NOUN
cjfa-56739	222	7	https://dx.doi.org/10.2139/ssrn.2296096	https://dx.doi.org/10.2139/ssrn.2296096	PUNCT
cjfa-56739	222	8	https://dx.doi.org/10.2139/ssrn.2296096	https://dx.doi.org/10.2139/ssrn.2296096	PUNCT
cjfa-56739	222	9	https://openurl.ebsco.com/results?sid=ebsco:ocu:record&bquery=is+1656-5363+and+vi+30+and+dt+2023	https://openurl.ebsco.com/results?sid=ebsco:ocu:record&bquery=is+1656-5363+and+vi+30+and+dt+2023	NOUN
cjfa-56739	222	10	demand	demand	NOUN
cjfa-56739	222	11	side	side	NOUN
cjfa-56739	222	12	factors	factor	NOUN
cjfa-56739	222	13	and	and	CCONJ
cjfa-56739	222	14	financial	financial	ADJ
cjfa-56739	222	15	inclusion	inclusion	NOUN
cjfa-56739	222	16	…	…	PUNCT
cjfa-56739	222	17	4343	4343	NUM
cjfa-56739	222	18	engelberg	engelberg	NOUN
cjfa-56739	222	19	,	,	PUNCT
cjfa-56739	222	20	e.	e.	PROPN
cjfa-56739	222	21	,	,	PUNCT
cjfa-56739	222	22	&	&	CCONJ
cjfa-56739	222	23	sjöberg	sjöberg	PROPN
cjfa-56739	222	24	,	,	PUNCT
cjfa-56739	222	25	l.	l.	PROPN
cjfa-56739	222	26	(	(	PUNCT
cjfa-56739	222	27	2004	2004	NUM
cjfa-56739	222	28	)	)	PUNCT
cjfa-56739	222	29	.	.	PUNCT
cjfa-56739	223	1	internet	internet	NOUN
cjfa-56739	223	2	use	use	NOUN
cjfa-56739	223	3	,	,	PUNCT
cjfa-56739	223	4	social	social	ADJ
cjfa-56739	223	5	skills	skill	NOUN
cjfa-56739	223	6	,	,	PUNCT
cjfa-56739	223	7	and	and	CCONJ
cjfa-56739	223	8	adjustment	adjustment	NOUN
cjfa-56739	223	9	.	.	PUNCT
cjfa-56739	224	1	cyber	cyber	PROPN
cjfa-56739	224	2	psychology	psychology	NOUN
cjfa-56739	224	3	&	&	CCONJ
cjfa-56739	224	4	behavior	behavior	PROPN
cjfa-56739	224	5	,	,	PUNCT
cjfa-56739	224	6	7(1	7(1	NUM
cjfa-56739	224	7	)	)	PUNCT
cjfa-56739	224	8	,	,	PUNCT
cjfa-56739	224	9	41	41	NUM
cjfa-56739	224	10	-	-	SYM
cjfa-56739	224	11	47	47	NUM
cjfa-56739	224	12	.	.	PUNCT
cjfa-56739	225	1	https://doi.org/10.1089/109493104322820101	https://doi.org/10.1089/109493104322820101	PROPN
cjfa-56739	225	2	.	.	PUNCT
cjfa-56739	226	1	eze	eze	PROPN
cjfa-56739	226	2	,	,	PUNCT
cjfa-56739	226	3	g.p	g.p	PROPN
cjfa-56739	226	4	.	.	PROPN
cjfa-56739	226	5	,	,	PUNCT
cjfa-56739	226	6	&	&	CCONJ
cjfa-56739	226	7	markjackson	markjackson	PROPN
cjfa-56739	226	8	,	,	PUNCT
cjfa-56739	226	9	d.	d.	PROPN
cjfa-56739	226	10	(	(	PUNCT
cjfa-56739	226	11	2020	2020	NUM
cjfa-56739	226	12	)	)	PUNCT
cjfa-56739	226	13	.	.	PUNCT
cjfa-56739	227	1	determinants	determinant	NOUN
cjfa-56739	227	2	of	of	ADP
cjfa-56739	227	3	financial	financial	ADJ
cjfa-56739	227	4	inclusion	inclusion	NOUN
cjfa-56739	227	5	in	in	ADP
cjfa-56739	227	6	nigeria	nigeria	PROPN
cjfa-56739	227	7	.	.	PUNCT
cjfa-56739	228	1	iosr	iosr	PROPN
cjfa-56739	228	2	journal	journal	PROPN
cjfa-56739	228	3	of	of	ADP
cjfa-56739	228	4	economics	economic	NOUN
cjfa-56739	228	5	and	and	CCONJ
cjfa-56739	228	6	finance	finance	NOUN
cjfa-56739	228	7	,	,	PUNCT
cjfa-56739	228	8	11(1	11(1	NUM
cjfa-56739	228	9	)	)	PUNCT
cjfa-56739	228	10	,	,	PUNCT
cjfa-56739	228	11	14	14	NUM
cjfa-56739	228	12	-	-	SYM
cjfa-56739	228	13	22	22	NUM
cjfa-56739	228	14	.	.	PUNCT
cjfa-56739	229	1	https://doi.org/10.9790/59331101041422	https://doi.org/10.9790/59331101041422	ADV
cjfa-56739	229	2	.	.	PUNCT
cjfa-56739	230	1	fatoki	fatoki	NOUN
cjfa-56739	230	2	,	,	PUNCT
cjfa-56739	230	3	o.	o.	PROPN
cjfa-56739	230	4	,	,	PUNCT
cjfa-56739	230	5	&	&	CCONJ
cjfa-56739	230	6	asah	asah	PROPN
cjfa-56739	230	7	,	,	PUNCT
cjfa-56739	230	8	f.	f.	PROPN
cjfa-56739	230	9	(	(	PUNCT
cjfa-56739	230	10	2011	2011	NUM
cjfa-56739	230	11	)	)	PUNCT
cjfa-56739	230	12	.	.	PUNCT
cjfa-56739	231	1	the	the	DET
cjfa-56739	231	2	impact	impact	NOUN
cjfa-56739	231	3	of	of	ADP
cjfa-56739	231	4	firm	firm	ADJ
cjfa-56739	231	5	and	and	CCONJ
cjfa-56739	231	6	entrepreneurial	entrepreneurial	ADJ
cjfa-56739	231	7	characteristics	characteristic	NOUN
cjfa-56739	231	8	on	on	ADP
cjfa-56739	231	9	access	access	NOUN
cjfa-56739	231	10	to	to	ADP
cjfa-56739	231	11	debt	debt	NOUN
cjfa-56739	231	12	finance	finance	NOUN
cjfa-56739	231	13	by	by	ADP
cjfa-56739	231	14	smes	sme	NOUN
cjfa-56739	231	15	in	in	ADP
cjfa-56739	231	16	king	king	PROPN
cjfa-56739	231	17	williams	williams	PROPN
cjfa-56739	231	18	’	'	PUNCT
cjfa-56739	231	19	town	town	NOUN
cjfa-56739	231	20	,	,	PUNCT
cjfa-56739	231	21	south	south	PROPN
cjfa-56739	231	22	africa	africa	PROPN
cjfa-56739	231	23	.	.	PUNCT
cjfa-56739	232	1	international	international	ADJ
cjfa-56739	232	2	journal	journal	PROPN
cjfa-56739	232	3	of	of	ADP
cjfa-56739	232	4	business	business	NOUN
cjfa-56739	232	5	management	management	NOUN
cjfa-56739	232	6	,	,	PUNCT
cjfa-56739	232	7	6(8	6(8	NUM
cjfa-56739	232	8	)	)	PUNCT
cjfa-56739	232	9	,	,	PUNCT
cjfa-56739	232	10	170	170	NUM
cjfa-56739	232	11	-	-	SYM
cjfa-56739	232	12	179	179	NUM
cjfa-56739	232	13	.	.	PUNCT
cjfa-56739	233	1	https://doi.org/10.5539/ijbm	https://doi.org/10.5539/ijbm	NOUN
cjfa-56739	233	2	.	.	PUNCT
cjfa-56739	234	1	v6n8p170	v6n8p170	NOUN
cjfa-56739	234	2	.	.	PUNCT
cjfa-56739	235	1	grohmann	grohmann	PROPN
cjfa-56739	235	2	,	,	PUNCT
cjfa-56739	235	3	a.	a.	NOUN
cjfa-56739	235	4	(	(	PUNCT
cjfa-56739	235	5	2018	2018	NUM
cjfa-56739	235	6	)	)	PUNCT
cjfa-56739	235	7	.	.	PUNCT
cjfa-56739	236	1	financial	financial	ADJ
cjfa-56739	236	2	literacy	literacy	NOUN
cjfa-56739	236	3	and	and	CCONJ
cjfa-56739	236	4	financial	financial	ADJ
cjfa-56739	236	5	behavior	behavior	NOUN
cjfa-56739	236	6	:	:	PUNCT
cjfa-56739	236	7	evidence	evidence	NOUN
cjfa-56739	236	8	from	from	ADP
cjfa-56739	236	9	the	the	DET
cjfa-56739	236	10	emerging	emerge	VERB
cjfa-56739	236	11	asian	asian	ADJ
cjfa-56739	236	12	middle	middle	ADJ
cjfa-56739	236	13	class	class	NOUN
cjfa-56739	236	14	.	.	PUNCT
cjfa-56739	237	1	pacific	pacific	ADJ
cjfa-56739	237	2	-	-	PUNCT
cjfa-56739	237	3	basin	basin	NOUN
cjfa-56739	237	4	finance	finance	NOUN
cjfa-56739	237	5	journal	journal	NOUN
cjfa-56739	237	6	,	,	PUNCT
cjfa-56739	237	7	48	48	NUM
cjfa-56739	237	8	,	,	PUNCT
cjfa-56739	237	9	129	129	NUM
cjfa-56739	237	10	-	-	SYM
cjfa-56739	237	11	143	143	NUM
cjfa-56739	237	12	.	.	PUNCT
cjfa-56739	238	1	https://doi	https://doi	PROPN
cjfa-56739	238	2	.	.	PUNCT
cjfa-56739	239	1	org/10.1016	org/10.1016	PROPN
cjfa-56739	239	2	/	/	SYM
cjfa-56739	239	3	j.pacfin.2018.01.007	j.pacfin.2018.01.007	NOUN
cjfa-56739	239	4	.	.	PUNCT
cjfa-56739	240	1	hannig	hannig	PROPN
cjfa-56739	240	2	,	,	PUNCT
cjfa-56739	240	3	a.	a.	PROPN
cjfa-56739	240	4	,	,	PUNCT
cjfa-56739	240	5	&	&	CCONJ
cjfa-56739	240	6	jansen	jansen	PROPN
cjfa-56739	240	7	,	,	PUNCT
cjfa-56739	240	8	s.	s.	PROPN
cjfa-56739	240	9	(	(	PUNCT
cjfa-56739	240	10	2010	2010	NUM
cjfa-56739	240	11	)	)	PUNCT
cjfa-56739	240	12	.	.	PUNCT
cjfa-56739	241	1	financial	financial	ADJ
cjfa-56739	241	2	inclusion	inclusion	NOUN
cjfa-56739	241	3	and	and	CCONJ
cjfa-56739	241	4	financial	financial	ADJ
cjfa-56739	241	5	stability	stability	NOUN
cjfa-56739	241	6	:	:	PUNCT
cjfa-56739	241	7	current	current	ADJ
cjfa-56739	241	8	policy	policy	NOUN
cjfa-56739	241	9	issues	issue	NOUN
cjfa-56739	241	10	.	.	PUNCT
cjfa-56739	242	1	adbi	adbi	ADJ
cjfa-56739	242	2	working	working	NOUN
cjfa-56739	242	3	paper	paper	NOUN
cjfa-56739	242	4	no	no	INTJ
cjfa-56739	242	5	.	.	PUNCT
cjfa-56739	243	1	259	259	NUM
cjfa-56739	243	2	.	.	PUNCT
cjfa-56739	243	3	https://doi.org/10.2139/ssrn.1729122	https://doi.org/10.2139/ssrn.1729122	PROPN
cjfa-56739	243	4	.	.	PUNCT
cjfa-56739	244	1	ibor	ibor	PROPN
cjfa-56739	244	2	,	,	PUNCT
cjfa-56739	244	3	b.i	b.i	PROPN
cjfa-56739	244	4	.	.	PROPN
cjfa-56739	244	5	,	,	PUNCT
cjfa-56739	244	6	offiong	offiong	PROPN
cjfa-56739	244	7	,	,	PUNCT
cjfa-56739	244	8	a.i	a.i	PROPN
cjfa-56739	244	9	.	.	PROPN
cjfa-56739	244	10	,	,	PUNCT
cjfa-56739	244	11	&	&	CCONJ
cjfa-56739	244	12	mendie	mendie	PROPN
cjfa-56739	244	13	,	,	PUNCT
cjfa-56739	244	14	e.s	e.s	PROPN
cjfa-56739	244	15	.	.	PROPN
cjfa-56739	244	16	(	(	PUNCT
cjfa-56739	244	17	2017	2017	NUM
cjfa-56739	244	18	)	)	PUNCT
cjfa-56739	244	19	.	.	PUNCT
cjfa-56739	245	1	financial	financial	ADJ
cjfa-56739	245	2	inclusion	inclusion	NOUN
cjfa-56739	245	3	and	and	CCONJ
cjfa-56739	245	4	performance	performance	NOUN
cjfa-56739	245	5	of	of	ADP
cjfa-56739	245	6	micro	micro	NOUN
cjfa-56739	245	7	,	,	PUNCT
cjfa-56739	245	8	small	small	ADJ
cjfa-56739	245	9	and	and	CCONJ
cjfa-56739	245	10	.	.	PUNCT
cjfa-56739	245	11	medium	medium	ADJ
cjfa-56739	245	12	scale	scale	NOUN
cjfa-56739	245	13	enterprises	enterprise	NOUN
cjfa-56739	245	14	in	in	ADP
cjfa-56739	245	15	nigeria	nigeria	PROPN
cjfa-56739	245	16	.	.	PUNCT
cjfa-56739	246	1	international	international	ADJ
cjfa-56739	246	2	journal	journal	PROPN
cjfa-56739	246	3	of	of	ADP
cjfa-56739	246	4	research	research	NOUN
cjfa-56739	246	5	-	-	PUNCT
cjfa-56739	246	6	granthaalayah	granthaalayah	NOUN
cjfa-56739	246	7	,	,	PUNCT
cjfa-56739	246	8	5(3	5(3	NUM
cjfa-56739	246	9	)	)	PUNCT
cjfa-56739	246	10	,	,	PUNCT
cjfa-56739	246	11	104	104	NUM
cjfa-56739	246	12	-	-	SYM
cjfa-56739	246	13	122	122	NUM
cjfa-56739	246	14	.	.	PUNCT
cjfa-56739	247	1	https://doi.org/10.29121/granthaalayah.v5.i3.2017.1758	https://doi.org/10.29121/granthaalayah.v5.i3.2017.1758	X
cjfa-56739	247	2	.	.	PUNCT
cjfa-56739	247	3	ishtiaq	ishtiaq	PROPN
cjfa-56739	247	4	,	,	PUNCT
cjfa-56739	247	5	m.	m.	NOUN
cjfa-56739	247	6	,	,	PUNCT
cjfa-56739	247	7	imtiaz	imtiaz	PROPN
cjfa-56739	247	8	,	,	PUNCT
cjfa-56739	247	9	a.	a.	PROPN
cjfa-56739	247	10	,	,	PUNCT
cjfa-56739	247	11	hussain	hussain	PROPN
cjfa-56739	247	12	,	,	PUNCT
cjfa-56739	247	13	s.	s.	PROPN
cjfa-56739	247	14	,	,	PUNCT
cjfa-56739	247	15	&	&	CCONJ
cjfa-56739	247	16	anum	anum	PROPN
cjfa-56739	247	17	,	,	PUNCT
cjfa-56739	247	18	r.	r.	PROPN
cjfa-56739	247	19	(	(	PUNCT
cjfa-56739	247	20	2019	2019	NUM
cjfa-56739	247	21	)	)	PUNCT
cjfa-56739	247	22	.	.	PUNCT
cjfa-56739	248	1	financial	financial	ADJ
cjfa-56739	248	2	self	self	NOUN
cjfa-56739	248	3	-	-	PUNCT
cjfa-56739	248	4	efficacy	efficacy	NOUN
cjfa-56739	248	5	and	and	CCONJ
cjfa-56739	248	6	women	woman	NOUN
cjfa-56739	248	7	's	's	PART
cjfa-56739	248	8	personal	personal	ADJ
cjfa-56739	248	9	finance	finance	NOUN
cjfa-56739	248	10	behaviour	behaviour	NOUN
cjfa-56739	248	11	:	:	PUNCT
cjfa-56739	248	12	a	a	DET
cjfa-56739	248	13	case	case	NOUN
cjfa-56739	248	14	study	study	NOUN
cjfa-56739	248	15	of	of	ADP
cjfa-56739	248	16	public	public	ADJ
cjfa-56739	248	17	sector	sector	NOUN
cjfa-56739	248	18	banks	bank	NOUN
cjfa-56739	248	19	in	in	ADP
cjfa-56739	248	20	pakistan	pakistan	PROPN
cjfa-56739	248	21	.	.	PUNCT
cjfa-56739	249	1	pacific	pacific	PROPN
cjfa-56739	249	2	business	business	PROPN
cjfa-56739	249	3	review	review	PROPN
cjfa-56739	249	4	international	international	PROPN
cjfa-56739	249	5	,	,	PUNCT
cjfa-56739	249	6	11(8	11(8	NUM
cjfa-56739	249	7	)	)	PUNCT
cjfa-56739	249	8	,	,	PUNCT
cjfa-56739	249	9	96	96	NUM
cjfa-56739	249	10	-	-	SYM
cjfa-56739	249	11	117	117	NUM
cjfa-56739	249	12	.	.	PUNCT
cjfa-56739	250	1	jappelli	jappelli	PROPN
cjfa-56739	250	2	,	,	PUNCT
cjfa-56739	250	3	t.	t.	PROPN
cjfa-56739	250	4	,	,	PUNCT
cjfa-56739	250	5	&	&	CCONJ
cjfa-56739	250	6	padula	padula	NOUN
cjfa-56739	250	7	,	,	PUNCT
cjfa-56739	250	8	m.	m.	NOUN
cjfa-56739	250	9	(	(	PUNCT
cjfa-56739	250	10	2013	2013	NUM
cjfa-56739	250	11	)	)	PUNCT
cjfa-56739	250	12	.	.	PUNCT
cjfa-56739	251	1	investment	investment	NOUN
cjfa-56739	251	2	in	in	ADP
cjfa-56739	251	3	financial	financial	ADJ
cjfa-56739	251	4	literacy	literacy	NOUN
cjfa-56739	251	5	and	and	CCONJ
cjfa-56739	251	6	saving	saving	NOUN
cjfa-56739	251	7	decisions	decision	NOUN
cjfa-56739	251	8	.	.	PUNCT
cjfa-56739	252	1	journal	journal	NOUN
cjfa-56739	252	2	of	of	ADP
cjfa-56739	252	3	banking	banking	NOUN
cjfa-56739	252	4	&	&	CCONJ
cjfa-56739	252	5	finance	finance	PROPN
cjfa-56739	252	6	,	,	PUNCT
cjfa-56739	252	7	37(8	37(8	NUM
cjfa-56739	252	8	)	)	PUNCT
cjfa-56739	252	9	,	,	PUNCT
cjfa-56739	252	10	2779	2779	NUM
cjfa-56739	252	11	-	-	SYM
cjfa-56739	252	12	2792	2792	NUM
cjfa-56739	252	13	.	.	PUNCT
cjfa-56739	253	1	https://doi.org/10.1016/j.jbankfin.2013.03.019	https://doi.org/10.1016/j.jbankfin.2013.03.019	PROPN
cjfa-56739	253	2	.	.	PUNCT
cjfa-56739	254	1	johnson	johnson	PROPN
cjfa-56739	254	2	,	,	PUNCT
cjfa-56739	254	3	s.	s.	PROPN
cjfa-56739	254	4	,	,	PUNCT
cjfa-56739	254	5	&	&	CCONJ
cjfa-56739	254	6	nino	nino	PROPN
cjfa-56739	254	7	-	-	PUNCT
cjfa-56739	254	8	zarazua	zarazua	PROPN
cjfa-56739	254	9	,	,	PUNCT
cjfa-56739	254	10	m.	m.	NOUN
cjfa-56739	254	11	(	(	PUNCT
cjfa-56739	254	12	2011	2011	NUM
cjfa-56739	254	13	)	)	PUNCT
cjfa-56739	254	14	.	.	PUNCT
cjfa-56739	255	1	financial	financial	ADJ
cjfa-56739	255	2	access	access	NOUN
cjfa-56739	255	3	and	and	CCONJ
cjfa-56739	255	4	exclusion	exclusion	NOUN
cjfa-56739	255	5	in	in	ADP
cjfa-56739	255	6	kenya	kenya	PROPN
cjfa-56739	255	7	and	and	CCONJ
cjfa-56739	255	8	uganda	uganda	PROPN
cjfa-56739	255	9	.	.	PUNCT
cjfa-56739	256	1	the	the	DET
cjfa-56739	256	2	journal	journal	PROPN
cjfa-56739	256	3	of	of	ADP
cjfa-56739	256	4	development	development	NOUN
cjfa-56739	256	5	studies	study	NOUN
cjfa-56739	256	6	,	,	PUNCT
cjfa-56739	256	7	47(3	47(3	NOUN
cjfa-56739	256	8	)	)	PUNCT
cjfa-56739	256	9	,	,	PUNCT
cjfa-56739	256	10	475	475	NUM
cjfa-56739	256	11	-	-	SYM
cjfa-56739	256	12	496	496	NUM
cjfa-56739	256	13	.	.	PUNCT
cjfa-56739	257	1	https://doi.org/10.108	https://doi.org/10.108	VERB
cjfa-56739	257	2	0/00220388.2010.492857	0/00220388.2010.492857	PROPN
cjfa-56739	257	3	.	.	PUNCT
cjfa-56739	258	1	joo	joo	PROPN
cjfa-56739	258	2	,	,	PUNCT
cjfa-56739	258	3	s	s	PROPN
cjfa-56739	258	4	-	-	PROPN
cjfa-56739	258	5	h.	h.	NOUN
cjfa-56739	258	6	,	,	PUNCT
cjfa-56739	258	7	&	&	CCONJ
cjfa-56739	258	8	grable	grable	PROPN
cjfa-56739	258	9	,	,	PUNCT
cjfa-56739	258	10	j.e	j.e	PROPN
cjfa-56739	258	11	.	.	PROPN
cjfa-56739	258	12	(	(	PUNCT
cjfa-56739	258	13	2004	2004	NUM
cjfa-56739	258	14	)	)	PUNCT
cjfa-56739	258	15	.	.	PUNCT
cjfa-56739	259	1	an	an	DET
cjfa-56739	259	2	exploratory	exploratory	ADJ
cjfa-56739	259	3	framework	framework	NOUN
cjfa-56739	259	4	of	of	ADP
cjfa-56739	259	5	the	the	DET
cjfa-56739	259	6	determinants	determinant	NOUN
cjfa-56739	259	7	of	of	ADP
cjfa-56739	259	8	financial	financial	ADJ
cjfa-56739	259	9	satisfaction	satisfaction	NOUN
cjfa-56739	259	10	.	.	PUNCT
cjfa-56739	260	1	journal	journal	NOUN
cjfa-56739	260	2	of	of	ADP
cjfa-56739	260	3	family	family	NOUN
cjfa-56739	260	4	and	and	CCONJ
cjfa-56739	260	5	economic	economic	ADJ
cjfa-56739	260	6	issues	issue	NOUN
cjfa-56739	260	7	,	,	PUNCT
cjfa-56739	260	8	25(1	25(1	NUM
cjfa-56739	260	9	)	)	PUNCT
cjfa-56739	260	10	,	,	PUNCT
cjfa-56739	260	11	25	25	NUM
cjfa-56739	260	12	-	-	SYM
cjfa-56739	260	13	50	50	NUM
cjfa-56739	260	14	.	.	PUNCT
cjfa-56739	261	1	https://	https://	PROPN
cjfa-56739	261	2	doi.org/10.1023/b:jeei.0000016722.37994.9f	doi.org/10.1023/b:jeei.0000016722.37994.9f	PROPN
cjfa-56739	261	3	.	.	PUNCT
cjfa-56739	261	4	joreskog	joreskog	PROPN
cjfa-56739	261	5	,	,	PUNCT
cjfa-56739	261	6	k.g	k.g	PROPN
cjfa-56739	261	7	.	.	PROPN
cjfa-56739	261	8	,	,	PUNCT
cjfa-56739	261	9	&	&	CCONJ
cjfa-56739	261	10	sorbom	sorbom	NOUN
cjfa-56739	261	11	,	,	PUNCT
cjfa-56739	261	12	d.	d.	PROPN
cjfa-56739	261	13	(	(	PUNCT
cjfa-56739	261	14	1993	1993	NUM
cjfa-56739	261	15	)	)	PUNCT
cjfa-56739	261	16	.	.	PUNCT
cjfa-56739	262	1	lisrel	lisrel	NOUN
cjfa-56739	262	2	8	8	NUM
cjfa-56739	262	3	:	:	PUNCT
cjfa-56739	262	4	structural	structural	ADJ
cjfa-56739	262	5	equation	equation	NOUN
cjfa-56739	262	6	modeling	modeling	NOUN
cjfa-56739	262	7	with	with	ADP
cjfa-56739	262	8	the	the	DET
cjfa-56739	262	9	simplis	simplis	PROPN
cjfa-56739	262	10	command	command	VERB
cjfa-56739	262	11	language	language	NOUN
cjfa-56739	262	12	.	.	PUNCT
cjfa-56739	263	1	scientific	scientific	ADJ
cjfa-56739	263	2	software	software	NOUN
cjfa-56739	263	3	international	international	ADJ
cjfa-56739	263	4	;	;	PUNCT
cjfa-56739	263	5	lawrence	lawrence	PROPN
cjfa-56739	263	6	erlbaum	erlbaum	PROPN
cjfa-56739	263	7	associates	associates	PROPN
cjfa-56739	263	8	,	,	PUNCT
cjfa-56739	263	9	inc	inc	PROPN
cjfa-56739	263	10	.	.	PROPN
cjfa-56739	263	11	kendall	kendall	PROPN
cjfa-56739	263	12	,	,	PUNCT
cjfa-56739	263	13	j.	j.	PROPN
cjfa-56739	263	14	,	,	PUNCT
cjfa-56739	263	15	mylenko	mylenko	PROPN
cjfa-56739	263	16	,	,	PUNCT
cjfa-56739	263	17	n.	n.	NOUN
cjfa-56739	263	18	,	,	PUNCT
cjfa-56739	263	19	&	&	CCONJ
cjfa-56739	263	20	ponce	ponce	PROPN
cjfa-56739	263	21	,	,	PUNCT
cjfa-56739	263	22	a.	a.	NOUN
cjfa-56739	263	23	(	(	PUNCT
cjfa-56739	263	24	2010	2010	NUM
cjfa-56739	263	25	)	)	PUNCT
cjfa-56739	263	26	.	.	PUNCT
cjfa-56739	264	1	measuring	measure	VERB
cjfa-56739	264	2	financial	financial	ADJ
cjfa-56739	264	3	access	access	NOUN
cjfa-56739	264	4	around	around	ADP
cjfa-56739	264	5	the	the	DET
cjfa-56739	264	6	world	world	NOUN
cjfa-56739	264	7	.	.	PUNCT
cjfa-56739	265	1	policy	policy	NOUN
cjfa-56739	265	2	research	research	NOUN
cjfa-56739	265	3	working	working	NOUN
cjfa-56739	265	4	paper	paper	NOUN
cjfa-56739	265	5	,	,	PUNCT
cjfa-56739	265	6	5253	5253	NUM
cjfa-56739	265	7	.	.	PUNCT
cjfa-56739	266	1	krejcie	krejcie	PROPN
cjfa-56739	266	2	,	,	PUNCT
cjfa-56739	266	3	r.v	r.v	PROPN
cjfa-56739	266	4	.	.	PROPN
cjfa-56739	266	5	,	,	PUNCT
cjfa-56739	266	6	&	&	CCONJ
cjfa-56739	266	7	morgan	morgan	PROPN
cjfa-56739	266	8	,	,	PUNCT
cjfa-56739	266	9	d.w	d.w	PROPN
cjfa-56739	266	10	.	.	PUNCT
cjfa-56739	266	11	(	(	PUNCT
cjfa-56739	266	12	1970	1970	NUM
cjfa-56739	266	13	)	)	PUNCT
cjfa-56739	266	14	.	.	PUNCT
cjfa-56739	267	1	determining	determine	VERB
cjfa-56739	267	2	sample	sample	NOUN
cjfa-56739	267	3	size	size	NOUN
cjfa-56739	267	4	for	for	ADP
cjfa-56739	267	5	research	research	NOUN
cjfa-56739	267	6	activities	activity	NOUN
cjfa-56739	267	7	.	.	PUNCT
cjfa-56739	268	1	educational	educational	ADJ
cjfa-56739	268	2	and	and	CCONJ
cjfa-56739	268	3	psychological	psychological	ADJ
cjfa-56739	268	4	measurement	measurement	NOUN
cjfa-56739	268	5	,	,	PUNCT
cjfa-56739	268	6	30(3	30(3	NUM
cjfa-56739	268	7	)	)	PUNCT
cjfa-56739	268	8	,	,	PUNCT
cjfa-56739	268	9	607	607	NUM
cjfa-56739	268	10	-	-	SYM
cjfa-56739	268	11	610	610	NUM
cjfa-56739	268	12	.	.	PUNCT
cjfa-56739	269	1	https://doi.org/10.1177/	https://doi.org/10.1177/	PROPN
cjfa-56739	269	2	001316447003000308	001316447003000308	NUM
cjfa-56739	269	3	.	.	PUNCT
cjfa-56739	270	1	mose	mose	VERB
cjfa-56739	270	2	,	,	PUNCT
cjfa-56739	270	3	n.	n.	NOUN
cjfa-56739	270	4	,	,	PUNCT
cjfa-56739	270	5	&	&	CCONJ
cjfa-56739	270	6	thomi	thomi	PROPN
cjfa-56739	270	7	,	,	PUNCT
cjfa-56739	270	8	j.	j.	PROPN
cjfa-56739	270	9	(	(	PUNCT
cjfa-56739	270	10	2021	2021	NUM
cjfa-56739	270	11	)	)	PUNCT
cjfa-56739	270	12	.	.	PUNCT
cjfa-56739	271	1	the	the	DET
cjfa-56739	271	2	determinants	determinant	NOUN
cjfa-56739	271	3	of	of	ADP
cjfa-56739	271	4	financial	financial	ADJ
cjfa-56739	271	5	inclusion	inclusion	NOUN
cjfa-56739	271	6	.	.	PUNCT
cjfa-56739	272	1	financial	financial	ADJ
cjfa-56739	272	2	internet	internet	PROPN
cjfa-56739	272	3	quarterly	quarterly	ADV
cjfa-56739	272	4	,	,	PUNCT
cjfa-56739	272	5	17(2	17(2	NUM
cjfa-56739	272	6	)	)	PUNCT
cjfa-56739	272	7	,	,	PUNCT
cjfa-56739	272	8	51	51	NUM
cjfa-56739	272	9	-	-	SYM
cjfa-56739	272	10	58	58	NUM
cjfa-56739	272	11	.	.	PUNCT
cjfa-56739	273	1	https://doi.org/10.2478/fiqf-2021-00013	https://doi.org/10.2478/fiqf-2021-00013	NOUN
cjfa-56739	273	2	.	.	PUNCT
cjfa-56739	273	3	mpuga	mpuga	PROPN
cjfa-56739	273	4	,	,	PUNCT
cjfa-56739	273	5	p.	p.	NOUN
cjfa-56739	273	6	(	(	PUNCT
cjfa-56739	273	7	2010	2010	NUM
cjfa-56739	273	8	)	)	PUNCT
cjfa-56739	273	9	.	.	PUNCT
cjfa-56739	274	1	constraints	constraint	NOUN
cjfa-56739	274	2	in	in	ADP
cjfa-56739	274	3	access	access	NOUN
cjfa-56739	274	4	to	to	ADP
cjfa-56739	274	5	and	and	CCONJ
cjfa-56739	274	6	demand	demand	VERB
cjfa-56739	274	7	for	for	ADP
cjfa-56739	274	8	rural	rural	ADJ
cjfa-56739	274	9	credit	credit	NOUN
cjfa-56739	274	10	:	:	PUNCT
cjfa-56739	274	11	evidence	evidence	NOUN
cjfa-56739	274	12	from	from	ADP
cjfa-56739	274	13	uganda	uganda	PROPN
cjfa-56739	274	14	.	.	PUNCT
cjfa-56739	275	1	african	african	PROPN
cjfa-56739	275	2	development	development	PROPN
cjfa-56739	275	3	review	review	PROPN
cjfa-56739	275	4	,	,	PUNCT
cjfa-56739	275	5	22(1	22(1	NUM
cjfa-56739	275	6	)	)	PUNCT
cjfa-56739	275	7	,	,	PUNCT
cjfa-56739	275	8	115	115	NUM
cjfa-56739	275	9	-	-	SYM
cjfa-56739	275	10	148	148	NUM
cjfa-56739	275	11	.	.	PUNCT
cjfa-56739	276	1	http://dx.doi.org/10.1111/	http://dx.doi.org/10.1111/	PROPN
cjfa-56739	276	2	j.1467	j.1467	PROPN
cjfa-56739	276	3	-	-	PUNCT
cjfa-56739	276	4	8268.2009.00230.x	8268.2009.00230.x	NOUN
cjfa-56739	276	5	.	.	PUNCT
cjfa-56739	277	1	https://doi.org/10.1089/109493104322820101	https://doi.org/10.1089/109493104322820101	PRON
cjfa-56739	278	1	https://doi.org/10.9790/5933-1101041422	https://doi.org/10.9790/5933-1101041422	ADV
cjfa-56739	278	2	https://doi.org/10.9790/5933-1101041422	https://doi.org/10.9790/5933-1101041422	ADV
cjfa-56739	278	3	https://ideas.repec.org/a/eee/pacfin/v48y2018icp129-143.html	https://ideas.repec.org/a/eee/pacfin/v48y2018icp129-143.html	ADV
cjfa-56739	278	4	https://ideas.repec.org/a/eee/pacfin/v48y2018icp129-143.html	https://ideas.repec.org/a/eee/pacfin/v48y2018icp129-143.html	ADJ
cjfa-56739	278	5	https://ideas.repec.org/s/eee/pacfin.html	https://ideas.repec.org/s/eee/pacfin.html	VERB
cjfa-56739	278	6	https://doi.org/10.1016/j.jbankfin.2013.03.019	https://doi.org/10.1016/j.jbankfin.2013.03.019	X
cjfa-56739	278	7	https://doi.org/10.1016/j.jbankfin.2013.03.019	https://doi.org/10.1016/j.jbankfin.2013.03.019	PRON
cjfa-56739	278	8	https://doi.org/10.1080/00220388.2010.492857	https://doi.org/10.1080/00220388.2010.492857	PROPN
cjfa-56739	278	9	https://doi.org/10.1080/00220388.2010.492857	https://doi.org/10.1080/00220388.2010.492857	PROPN
cjfa-56739	279	1	http://dx.doi.org/10.1023/b:jeei.0000016722.37994.9f	http://dx.doi.org/10.1023/b:jeei.0000016722.37994.9f	PROPN
cjfa-56739	279	2	https://doi.org/	https://doi.org/	VERB
cjfa-56739	279	3	10.1177/001316447003000308	10.1177/001316447003000308	NUM
cjfa-56739	279	4	https://doi.org/	https://doi.org/	NOUN
cjfa-56739	279	5	10.1177/001316447003000308	10.1177/001316447003000308	NUM
cjfa-56739	279	6	http://dx.doi.org/10.1111/j.1467-8268.2009.00230.x	http://dx.doi.org/10.1111/j.1467-8268.2009.00230.x	NOUN
cjfa-56739	279	7	http://dx.doi.org/10.1111/j.1467-8268.2009.00230.x	http://dx.doi.org/10.1111/j.1467-8268.2009.00230.x	PROPN
cjfa-56739	279	8	abdullahi	abdullahi	PROPN
cjfa-56739	279	9	adio	adio	PROPN
cjfa-56739	279	10	babatunde4444	babatunde4444	PROPN
cjfa-56739	279	11	naumenkova	naumenkova	PROPN
cjfa-56739	279	12	,	,	PUNCT
cjfa-56739	279	13	s.	s.	PROPN
cjfa-56739	279	14	,	,	PUNCT
cjfa-56739	279	15	mishchenko	mishchenko	PROPN
cjfa-56739	279	16	,	,	PUNCT
cjfa-56739	279	17	s.	s.	PROPN
cjfa-56739	279	18	,	,	PUNCT
cjfa-56739	279	19	&	&	CCONJ
cjfa-56739	279	20	dorofeiev	dorofeiev	PROPN
cjfa-56739	279	21	,	,	PUNCT
cjfa-56739	279	22	d.	d.	PROPN
cjfa-56739	279	23	(	(	PUNCT
cjfa-56739	279	24	2019	2019	NUM
cjfa-56739	279	25	)	)	PUNCT
cjfa-56739	279	26	.	.	PUNCT
cjfa-56739	280	1	digital	digital	ADJ
cjfa-56739	280	2	financial	financial	ADJ
cjfa-56739	280	3	inclusion	inclusion	NOUN
cjfa-56739	280	4	:	:	PUNCT
cjfa-56739	280	5	evidence	evidence	NOUN
cjfa-56739	280	6	from	from	ADP
cjfa-56739	280	7	ukraine	ukraine	PROPN
cjfa-56739	280	8	.	.	PUNCT
cjfa-56739	281	1	investment	investment	NOUN
cjfa-56739	281	2	management	management	NOUN
cjfa-56739	281	3	and	and	CCONJ
cjfa-56739	281	4	financial	financial	ADJ
cjfa-56739	281	5	innovations	innovation	NOUN
cjfa-56739	281	6	,	,	PUNCT
cjfa-56739	281	7	16(3	16(3	NOUN
cjfa-56739	281	8	)	)	PUNCT
cjfa-56739	281	9	,	,	PUNCT
cjfa-56739	281	10	194	194	NUM
cjfa-56739	281	11	-	-	SYM
cjfa-56739	281	12	205	205	NUM
cjfa-56739	281	13	.	.	PUNCT
cjfa-56739	282	1	http://dx.doi.org/10.21511/imfi.16(3).2019.18	http://dx.doi.org/10.21511/imfi.16(3).2019.18	PROPN
cjfa-56739	282	2	.	.	PUNCT
cjfa-56739	283	1	nguli	nguli	PROPN
cjfa-56739	283	2	,	,	PUNCT
cjfa-56739	283	3	j.n	j.n	PROPN
cjfa-56739	283	4	.	.	PROPN
cjfa-56739	283	5	,	,	PUNCT
cjfa-56739	283	6	&	&	CCONJ
cjfa-56739	283	7	tarus	tarus	PROPN
cjfa-56739	283	8	,	,	PUNCT
cjfa-56739	283	9	d.k	d.k	PROPN
cjfa-56739	283	10	.	.	PROPN
cjfa-56739	283	11	(	(	PUNCT
cjfa-56739	283	12	2020	2020	NUM
cjfa-56739	283	13	)	)	PUNCT
cjfa-56739	283	14	.	.	PUNCT
cjfa-56739	284	1	effect	effect	NOUN
cjfa-56739	284	2	of	of	ADP
cjfa-56739	284	3	strategic	strategic	ADJ
cjfa-56739	284	4	orientation	orientation	NOUN
cjfa-56739	284	5	on	on	ADP
cjfa-56739	284	6	financial	financial	ADJ
cjfa-56739	284	7	inclusion	inclusion	NOUN
cjfa-56739	284	8	among	among	ADP
cjfa-56739	284	9	women	woman	NOUN
cjfa-56739	284	10	owned	own	VERB
cjfa-56739	284	11	enterprises	enterprise	NOUN
cjfa-56739	284	12	in	in	ADP
cjfa-56739	284	13	kenya	kenya	PROPN
cjfa-56739	284	14	,	,	PUNCT
cjfa-56739	284	15	international	international	ADJ
cjfa-56739	284	16	journal	journal	NOUN
cjfa-56739	284	17	of	of	ADP
cjfa-56739	284	18	comparative	comparative	ADJ
cjfa-56739	284	19	management	management	NOUN
cjfa-56739	284	20	,	,	PUNCT
cjfa-56739	284	21	3(3	3(3	NUM
cjfa-56739	284	22	)	)	PUNCT
cjfa-56739	284	23	,	,	PUNCT
cjfa-56739	284	24	157	157	NUM
cjfa-56739	284	25	-	-	SYM
cjfa-56739	284	26	182	182	NUM
cjfa-56739	284	27	.	.	PUNCT
cjfa-56739	285	1	https://doi.org/10.1504/ijcm.2020.111540	https://doi.org/10.1504/ijcm.2020.111540	PROPN
cjfa-56739	285	2	.	.	PUNCT
cjfa-56739	285	3	nguyen	nguyen	PROPN
cjfa-56739	285	4	,	,	PUNCT
cjfa-56739	285	5	h.t	h.t	PROPN
cjfa-56739	285	6	.	.	PROPN
cjfa-56739	285	7	(	(	PUNCT
cjfa-56739	285	8	2019	2019	NUM
cjfa-56739	285	9	)	)	PUNCT
cjfa-56739	285	10	.	.	PUNCT
cjfa-56739	286	1	development	development	NOUN
cjfa-56739	286	2	and	and	CCONJ
cjfa-56739	286	3	validation	validation	NOUN
cjfa-56739	286	4	of	of	ADP
cjfa-56739	286	5	a	a	DET
cjfa-56739	286	6	women	woman	NOUN
cjfa-56739	286	7	’s	’s	PART
cjfa-56739	286	8	financial	financial	ADJ
cjfa-56739	286	9	self	self	NOUN
cjfa-56739	286	10	-	-	PUNCT
cjfa-56739	286	11	efficacy	efficacy	NOUN
cjfa-56739	286	12	scale	scale	NOUN
cjfa-56739	286	13	.	.	PUNCT
cjfa-56739	287	1	journal	journal	NOUN
cjfa-56739	287	2	of	of	ADP
cjfa-56739	287	3	financial	financial	ADJ
cjfa-56739	287	4	cancelling	cancelling	NOUN
cjfa-56739	287	5	and	and	CCONJ
cjfa-56739	287	6	planning	planning	NOUN
cjfa-56739	287	7	,	,	PUNCT
cjfa-56739	287	8	30(1	30(1	NUM
cjfa-56739	287	9	)	)	PUNCT
cjfa-56739	287	10	,	,	PUNCT
cjfa-56739	287	11	142	142	NUM
cjfa-56739	287	12	-	-	SYM
cjfa-56739	287	13	154	154	NUM
cjfa-56739	287	14	.	.	PUNCT
cjfa-56739	288	1	https://doi.org/	https://doi.org/	NOUN
cjfa-56739	288	2	10.1891/1052	10.1891/1052	NUM
cjfa-56739	288	3	-	-	SYM
cjfa-56739	288	4	3073.30.1.142	3073.30.1.142	NUM
cjfa-56739	288	5	.	.	PUNCT
cjfa-56739	289	1	norvilitis	norvilitis	PROPN
cjfa-56739	289	2	,	,	PUNCT
cjfa-56739	289	3	j.m	j.m	PROPN
cjfa-56739	289	4	.	.	PROPN
cjfa-56739	289	5	,	,	PUNCT
cjfa-56739	289	6	&	&	CCONJ
cjfa-56739	289	7	mao	mao	PROPN
cjfa-56739	289	8	,	,	PUNCT
cjfa-56739	289	9	a.	a.	PROPN
cjfa-56739	289	10	(	(	PUNCT
cjfa-56739	289	11	2013	2013	NUM
cjfa-56739	289	12	)	)	PUNCT
cjfa-56739	289	13	.	.	PUNCT
cjfa-56739	290	1	attitudes	attitude	NOUN
cjfa-56739	290	2	towards	towards	ADP
cjfa-56739	290	3	credit	credit	NOUN
cjfa-56739	290	4	and	and	CCONJ
cjfa-56739	290	5	finances	finance	NOUN
cjfa-56739	290	6	among	among	ADP
cjfa-56739	290	7	college	college	NOUN
cjfa-56739	290	8	students	student	NOUN
cjfa-56739	290	9	in	in	ADP
cjfa-56739	290	10	china	china	PROPN
cjfa-56739	290	11	and	and	CCONJ
cjfa-56739	290	12	the	the	DET
cjfa-56739	290	13	united	united	PROPN
cjfa-56739	290	14	states	states	PROPN
cjfa-56739	290	15	.	.	PUNCT
cjfa-56739	291	1	international	international	ADJ
cjfa-56739	291	2	journal	journal	PROPN
cjfa-56739	291	3	of	of	ADP
cjfa-56739	291	4	psychology	psychology	NOUN
cjfa-56739	291	5	,	,	PUNCT
cjfa-56739	291	6	48(3	48(3	PROPN
cjfa-56739	291	7	)	)	PUNCT
cjfa-56739	291	8	,	,	PUNCT
cjfa-56739	291	9	389	389	NUM
cjfa-56739	291	10	-	-	SYM
cjfa-56739	291	11	398	398	NUM
cjfa-56739	291	12	.	.	PUNCT
cjfa-56739	292	1	https://doi.org/10.1080/00207594.2011.645486	https://doi.org/10.1080/00207594.2011.645486	PROPN
cjfa-56739	292	2	.	.	PROPN
cjfa-56739	292	3	oke	oke	PROPN
cjfa-56739	292	4	,	,	PUNCT
cjfa-56739	292	5	d.f	d.f	PROPN
cjfa-56739	292	6	.	.	PROPN
cjfa-56739	292	7	,	,	PUNCT
cjfa-56739	292	8	&	&	CCONJ
cjfa-56739	292	9	adamson	adamson	PROPN
cjfa-56739	292	10	,	,	PUNCT
cjfa-56739	292	11	t.w	t.w	PROPN
cjfa-56739	292	12	.	.	PROPN
cjfa-56739	292	13	(	(	PUNCT
cjfa-56739	292	14	2023	2023	NUM
cjfa-56739	292	15	)	)	PUNCT
cjfa-56739	292	16	.	.	PUNCT
cjfa-56739	293	1	demand	demand	NOUN
cjfa-56739	293	2	and	and	CCONJ
cjfa-56739	293	3	supply	supply	NOUN
cjfa-56739	293	4	-	-	PUNCT
cjfa-56739	293	5	side	side	NOUN
cjfa-56739	293	6	determinants	determinant	NOUN
cjfa-56739	293	7	of	of	ADP
cjfa-56739	293	8	financial	financial	ADJ
cjfa-56739	293	9	inclusion	inclusion	NOUN
cjfa-56739	293	10	:	:	PUNCT
cjfa-56739	293	11	a	a	DET
cjfa-56739	293	12	case	case	NOUN
cjfa-56739	293	13	study	study	NOUN
cjfa-56739	293	14	of	of	ADP
cjfa-56739	293	15	micro	micro	PROPN
cjfa-56739	293	16	,	,	PUNCT
cjfa-56739	293	17	small	small	ADJ
cjfa-56739	293	18	and	and	CCONJ
cjfa-56739	293	19	medium	medium	ADJ
cjfa-56739	293	20	enterprises	enterprise	NOUN
cjfa-56739	293	21	in	in	ADP
cjfa-56739	293	22	southwest	southwest	PROPN
cjfa-56739	293	23	nigeria	nigeria	PROPN
cjfa-56739	293	24	.	.	PUNCT
cjfa-56739	294	1	review	review	NOUN
cjfa-56739	294	2	of	of	ADP
cjfa-56739	294	3	socio	socio	NOUN
cjfa-56739	294	4	-	-	PUNCT
cjfa-56739	294	5	economic	economic	ADJ
cjfa-56739	294	6	perspectives	perspective	NOUN
cjfa-56739	294	7	,	,	PUNCT
cjfa-56739	294	8	8(2	8(2	NUM
cjfa-56739	294	9	)	)	PUNCT
cjfa-56739	294	10	,	,	PUNCT
cjfa-56739	294	11	61	61	NUM
cjfa-56739	294	12	-	-	SYM
cjfa-56739	294	13	73	73	NUM
cjfa-56739	294	14	.	.	PUNCT
cjfa-56739	295	1	https://doi.org/10.19275/	https://doi.org/10.19275/	PROPN
cjfa-56739	295	2	rsep157	rsep157	PROPN
cjfa-56739	295	3	.	.	PUNCT
cjfa-56739	296	1	orazi	orazi	PROPN
cjfa-56739	296	2	,	,	PUNCT
cjfa-56739	296	3	s.	s.	PROPN
cjfa-56739	296	4	,	,	PUNCT
cjfa-56739	296	5	martinez	martinez	PROPN
cjfa-56739	296	6	,	,	PUNCT
cjfa-56739	296	7	l.b	l.b	PROPN
cjfa-56739	296	8	.	.	PROPN
cjfa-56739	296	9	,	,	PUNCT
cjfa-56739	296	10	&	&	CCONJ
cjfa-56739	296	11	vigier	vigier	PROPN
cjfa-56739	296	12	,	,	PUNCT
cjfa-56739	296	13	h.p	h.p	PROPN
cjfa-56739	296	14	.	.	PROPN
cjfa-56739	296	15	(	(	PUNCT
cjfa-56739	296	16	2023	2023	NUM
cjfa-56739	296	17	)	)	PUNCT
cjfa-56739	296	18	.	.	PUNCT
cjfa-56739	297	1	determinants	determinant	NOUN
cjfa-56739	297	2	and	and	CCONJ
cjfa-56739	297	3	evolution	evolution	NOUN
cjfa-56739	297	4	of	of	ADP
cjfa-56739	297	5	financial	financial	ADJ
cjfa-56739	297	6	inclusion	inclusion	NOUN
cjfa-56739	297	7	in	in	ADP
cjfa-56739	297	8	latin	latin	PROPN
cjfa-56739	297	9	america	america	PROPN
cjfa-56739	297	10	:	:	PUNCT
cjfa-56739	297	11	a	a	DET
cjfa-56739	297	12	demand	demand	NOUN
cjfa-56739	297	13	side	side	NOUN
cjfa-56739	297	14	analysis	analysis	NOUN
cjfa-56739	297	15	.	.	PUNCT
cjfa-56739	298	1	quantitative	quantitative	ADJ
cjfa-56739	298	2	finance	finance	NOUN
cjfa-56739	298	3	and	and	CCONJ
cjfa-56739	298	4	economics	economic	NOUN
cjfa-56739	298	5	,	,	PUNCT
cjfa-56739	298	6	7(2	7(2	NUM
cjfa-56739	298	7	)	)	PUNCT
cjfa-56739	298	8	,	,	PUNCT
cjfa-56739	298	9	187–206	187–206	NUM
cjfa-56739	298	10	.	.	PUNCT
cjfa-56739	299	1	https://doi.org/10.3934/qfe.2023010	https://doi.org/10.3934/qfe.2023010	PROPN
cjfa-56739	299	2	.	.	PUNCT
cjfa-56739	300	1	oyelami	oyelami	PROPN
cjfa-56739	300	2	,	,	PUNCT
cjfa-56739	300	3	l.o	l.o	PROPN
cjfa-56739	300	4	.	.	PROPN
cjfa-56739	300	5	,	,	PUNCT
cjfa-56739	300	6	saibu	saibu	PROPN
cjfa-56739	300	7	,	,	PUNCT
cjfa-56739	300	8	o.m	o.m	PROPN
cjfa-56739	300	9	.	.	PROPN
cjfa-56739	300	10	,	,	PUNCT
cjfa-56739	300	11	&	&	CCONJ
cjfa-56739	300	12	adekunle	adekunle	PROPN
cjfa-56739	300	13	,	,	PUNCT
cjfa-56739	300	14	b.s	b.s	PROPN
cjfa-56739	300	15	.	.	PROPN
cjfa-56739	300	16	(	(	PUNCT
cjfa-56739	300	17	2017	2017	NUM
cjfa-56739	300	18	)	)	PUNCT
cjfa-56739	300	19	.	.	PUNCT
cjfa-56739	301	1	determinants	determinant	NOUN
cjfa-56739	301	2	of	of	ADP
cjfa-56739	301	3	financial	financial	ADJ
cjfa-56739	301	4	inclusion	inclusion	NOUN
cjfa-56739	301	5	in	in	ADP
cjfa-56739	301	6	sub	sub	ADJ
cjfa-56739	301	7	-	-	ADJ
cjfa-56739	301	8	sahara	sahara	ADJ
cjfa-56739	301	9	african	african	ADJ
cjfa-56739	301	10	countries	country	NOUN
cjfa-56739	301	11	.	.	PUNCT
cjfa-56739	302	1	covenant	covenant	ADJ
cjfa-56739	302	2	journal	journal	PROPN
cjfa-56739	302	3	of	of	ADP
cjfa-56739	302	4	business	business	NOUN
cjfa-56739	302	5	and	and	CCONJ
cjfa-56739	302	6	social	social	ADJ
cjfa-56739	302	7	sciences	science	NOUN
cjfa-56739	302	8	,	,	PUNCT
cjfa-56739	302	9	8(2	8(2	NUM
cjfa-56739	302	10	)	)	PUNCT
cjfa-56739	302	11	,	,	PUNCT
cjfa-56739	302	12	104	104	NUM
cjfa-56739	302	13	-	-	SYM
cjfa-56739	302	14	116	116	NUM
cjfa-56739	302	15	.	.	PUNCT
cjfa-56739	303	1	https://doi.org/10.20370/cjbss.v8i2.700	https://doi.org/10.20370/cjbss.v8i2.700	NOUN
cjfa-56739	303	2	.	.	PUNCT
cjfa-56739	304	1	oyo	oyo	NOUN
cjfa-56739	304	2	state	state	NOUN
cjfa-56739	304	3	chambers	chamber	NOUN
cjfa-56739	304	4	of	of	ADP
cjfa-56739	304	5	commerce	commerce	PROPN
cjfa-56739	304	6	,	,	PUNCT
cjfa-56739	304	7	industry	industry	NOUN
cjfa-56739	304	8	and	and	CCONJ
cjfa-56739	304	9	mines	mine	NOUN
cjfa-56739	304	10	association	association	NOUN
cjfa-56739	304	11	(	(	PUNCT
cjfa-56739	304	12	2023	2023	NUM
cjfa-56739	304	13	)	)	PUNCT
cjfa-56739	304	14	.	.	PUNCT
cjfa-56739	305	1	pattarin	pattarin	PROPN
cjfa-56739	305	2	,	,	PUNCT
cjfa-56739	305	3	f.	f.	PROPN
cjfa-56739	305	4	,	,	PUNCT
cjfa-56739	305	5	&	&	CCONJ
cjfa-56739	305	6	cosma	cosma	PROPN
cjfa-56739	305	7	,	,	PUNCT
cjfa-56739	305	8	s.	s.	PROPN
cjfa-56739	305	9	(	(	PUNCT
cjfa-56739	305	10	2012	2012	NUM
cjfa-56739	305	11	)	)	PUNCT
cjfa-56739	305	12	.	.	PUNCT
cjfa-56739	306	1	psychological	psychological	ADJ
cjfa-56739	306	2	determinants	determinant	NOUN
cjfa-56739	306	3	of	of	ADP
cjfa-56739	306	4	consumer	consumer	NOUN
cjfa-56739	306	5	credit	credit	NOUN
cjfa-56739	306	6	:	:	PUNCT
cjfa-56739	306	7	the	the	DET
cjfa-56739	306	8	role	role	NOUN
cjfa-56739	306	9	of	of	ADP
cjfa-56739	306	10	attitudes	attitude	NOUN
cjfa-56739	306	11	.	.	PUNCT
cjfa-56739	307	1	review	review	NOUN
cjfa-56739	307	2	of	of	ADP
cjfa-56739	307	3	behavioral	behavioral	ADJ
cjfa-56739	307	4	finance	finance	NOUN
cjfa-56739	307	5	,	,	PUNCT
cjfa-56739	307	6	4(2	4(2	NUM
cjfa-56739	307	7	)	)	PUNCT
cjfa-56739	307	8	,	,	PUNCT
cjfa-56739	307	9	113	113	NUM
cjfa-56739	307	10	-	-	SYM
cjfa-56739	307	11	129	129	NUM
cjfa-56739	307	12	.	.	PUNCT
cjfa-56739	308	1	https://doi.org/	https://doi.org/	PROPN
cjfa-56739	308	2	10.1108/19405971211284899	10.1108/19405971211284899	NUM
cjfa-56739	308	3	.	.	PUNCT
cjfa-56739	308	4	razak	razak	PROPN
cjfa-56739	308	5	,	,	PUNCT
cjfa-56739	308	6	d.a	d.a	PROPN
cjfa-56739	308	7	.	.	PROPN
cjfa-56739	308	8	,	,	PUNCT
cjfa-56739	308	9	&	&	CCONJ
cjfa-56739	308	10	mohamed	mohamed	PROPN
cjfa-56739	308	11	,	,	PUNCT
cjfa-56739	308	12	z.h	z.h	PROPN
cjfa-56739	308	13	.	.	PROPN
cjfa-56739	308	14	(	(	PUNCT
cjfa-56739	308	15	2024	2024	NUM
cjfa-56739	308	16	)	)	PUNCT
cjfa-56739	308	17	.	.	PUNCT
cjfa-56739	309	1	the	the	DET
cjfa-56739	309	2	role	role	NOUN
cjfa-56739	309	3	of	of	ADP
cjfa-56739	309	4	financial	financial	ADJ
cjfa-56739	309	5	literacy	literacy	NOUN
cjfa-56739	309	6	,	,	PUNCT
cjfa-56739	309	7	financial	financial	ADJ
cjfa-56739	309	8	attitude	attitude	NOUN
cjfa-56739	309	9	,	,	PUNCT
cjfa-56739	309	10	financial	financial	ADJ
cjfa-56739	309	11	behavior	behavior	NOUN
cjfa-56739	309	12	and	and	CCONJ
cjfa-56739	309	13	financial	financial	ADJ
cjfa-56739	309	14	inclusion	inclusion	NOUN
cjfa-56739	309	15	in	in	ADP
cjfa-56739	309	16	somalia	somalia	PROPN
cjfa-56739	309	17	.	.	PUNCT
cjfa-56739	310	1	an	an	DET
cjfa-56739	310	2	empirical	empirical	ADJ
cjfa-56739	310	3	study	study	NOUN
cjfa-56739	310	4	.	.	PUNCT
cjfa-56739	311	1	international	international	ADJ
cjfa-56739	311	2	journal	journal	PROPN
cjfa-56739	311	3	of	of	ADP
cjfa-56739	311	4	business	business	NOUN
cjfa-56739	311	5	,	,	PUNCT
cjfa-56739	311	6	economic	economic	ADJ
cjfa-56739	311	7	and	and	CCONJ
cjfa-56739	311	8	law	law	NOUN
cjfa-56739	311	9	,	,	PUNCT
cjfa-56739	311	10	31(1	31(1	NUM
cjfa-56739	311	11	)	)	PUNCT
cjfa-56739	311	12	,	,	PUNCT
cjfa-56739	311	13	125	125	NUM
cjfa-56739	311	14	-	-	SYM
cjfa-56739	311	15	131	131	NUM
cjfa-56739	311	16	.	.	PUNCT
cjfa-56739	312	1	roger	roger	PROPN
cjfa-56739	312	2	,	,	PUNCT
cjfa-56739	312	3	p.	p.	PROPN
cjfa-56739	312	4	(	(	PUNCT
cjfa-56739	312	5	2011	2011	NUM
cjfa-56739	312	6	)	)	PUNCT
cjfa-56739	312	7	.	.	PUNCT
cjfa-56739	313	1	testing	test	VERB
cjfa-56739	313	2	alternative	alternative	ADJ
cjfa-56739	313	3	theories	theory	NOUN
cjfa-56739	313	4	of	of	ADP
cjfa-56739	313	5	financial	financial	ADJ
cjfa-56739	313	6	decision	decision	NOUN
cjfa-56739	313	7	making	make	VERB
cjfa-56739	313	8	:	:	PUNCT
cjfa-56739	313	9	a	a	DET
cjfa-56739	313	10	survey	survey	NOUN
cjfa-56739	313	11	study	study	NOUN
cjfa-56739	313	12	with	with	ADP
cjfa-56739	313	13	lottery	lottery	NOUN
cjfa-56739	313	14	bonds	bond	NOUN
cjfa-56739	313	15	.	.	PUNCT
cjfa-56739	314	1	journal	journal	NOUN
cjfa-56739	314	2	of	of	ADP
cjfa-56739	314	3	behavioral	behavioral	ADJ
cjfa-56739	314	4	finance	finance	NOUN
cjfa-56739	314	5	,	,	PUNCT
cjfa-56739	314	6	12(4	12(4	NUM
cjfa-56739	314	7	)	)	PUNCT
cjfa-56739	314	8	,	,	PUNCT
cjfa-56739	314	9	219	219	NUM
cjfa-56739	314	10	-	-	SYM
cjfa-56739	314	11	232	232	NUM
cjfa-56739	314	12	.	.	PUNCT
cjfa-56739	315	1	https://doi	https://doi	PROPN
cjfa-56739	315	2	.	.	PUNCT
cjfa-56739	315	3	org/10.1080/15427560.2011.620200	org/10.1080/15427560.2011.620200	PROPN
cjfa-56739	315	4	.	.	PUNCT
cjfa-56739	315	5	sanni	sanni	PROPN
cjfa-56739	315	6	,	,	PUNCT
cjfa-56739	315	7	m.	m.	NOUN
cjfa-56739	315	8	,	,	PUNCT
cjfa-56739	315	9	oke	oke	PROPN
cjfa-56739	315	10	,	,	PUNCT
cjfa-56739	315	11	l.a	l.a	PROPN
cjfa-56739	315	12	.	.	PROPN
cjfa-56739	315	13	,	,	PUNCT
cjfa-56739	315	14	&	&	CCONJ
cjfa-56739	315	15	alayande	alayande	PROPN
cjfa-56739	315	16	,	,	PUNCT
cjfa-56739	315	17	i.	i.	NOUN
cjfa-56739	315	18	t.	t.	PROPN
cjfa-56739	315	19	(	(	PUNCT
cjfa-56739	315	20	2020	2020	NUM
cjfa-56739	315	21	)	)	PUNCT
cjfa-56739	315	22	.	.	PUNCT
cjfa-56739	316	1	bank	bank	NOUN
cjfa-56739	316	2	credit	credit	NOUN
cjfa-56739	316	3	accessibility	accessibility	NOUN
cjfa-56739	316	4	and	and	CCONJ
cjfa-56739	316	5	performance	performance	NOUN
cjfa-56739	316	6	of	of	ADP
cjfa-56739	316	7	smes	sme	NOUN
cjfa-56739	316	8	in	in	ADP
cjfa-56739	316	9	kwara	kwara	PROPN
cjfa-56739	316	10	state	state	PROPN
cjfa-56739	316	11	,	,	PUNCT
cjfa-56739	316	12	nigeria	nigeria	PROPN
cjfa-56739	316	13	:	:	PUNCT
cjfa-56739	316	14	a	a	DET
cjfa-56739	316	15	pls	pls	ADJ
cjfa-56739	316	16	-	-	PUNCT
cjfa-56739	316	17	sem	sem	NOUN
cjfa-56739	316	18	analysis	analysis	NOUN
cjfa-56739	316	19	.	.	PUNCT
cjfa-56739	317	1	copernican	copernican	PROPN
cjfa-56739	317	2	journal	journal	PROPN
cjfa-56739	317	3	of	of	ADP
cjfa-56739	317	4	finance	finance	PROPN
cjfa-56739	317	5	&	&	CCONJ
cjfa-56739	317	6	accounting	accounting	PROPN
cjfa-56739	317	7	,	,	PUNCT
cjfa-56739	317	8	9(2	9(2	NUM
cjfa-56739	317	9	)	)	PUNCT
cjfa-56739	317	10	,	,	PUNCT
cjfa-56739	317	11	45–64	45–64	PROPN
cjfa-56739	317	12	.	.	PUNCT
cjfa-56739	318	1	https://doi.org/10.12775/cjfa.2020.007	https://doi.org/10.12775/cjfa.2020.007	PROPN
cjfa-56739	318	2	.	.	PUNCT
cjfa-56739	319	1	sarma	sarma	PROPN
cjfa-56739	319	2	,	,	PUNCT
cjfa-56739	319	3	m.	m.	NOUN
cjfa-56739	319	4	(	(	PUNCT
cjfa-56739	319	5	2008	2008	NUM
cjfa-56739	319	6	)	)	PUNCT
cjfa-56739	319	7	.	.	PUNCT
cjfa-56739	320	1	index	index	NOUN
cjfa-56739	320	2	of	of	ADP
cjfa-56739	320	3	financial	financial	ADJ
cjfa-56739	320	4	inclusion	inclusion	NOUN
cjfa-56739	320	5	.	.	PUNCT
cjfa-56739	321	1	working	work	VERB
cjfa-56739	321	2	paper	paper	PROPN
cjfa-56739	321	3	no.215	no.215	PROPN
cjfa-56739	321	4	.	.	PUNCT
cjfa-56739	322	1	new	new	PROPN
cjfa-56739	322	2	delhi	delhi	PROPN
cjfa-56739	322	3	:	:	PUNCT
cjfa-56739	322	4	indian	indian	ADJ
cjfa-56739	322	5	council	council	PROPN
cjfa-56739	322	6	for	for	ADP
cjfa-56739	322	7	research	research	NOUN
cjfa-56739	322	8	on	on	ADP
cjfa-56739	322	9	international	international	ADJ
cjfa-56739	322	10	economic	economic	ADJ
cjfa-56739	322	11	relation	relation	NOUN
cjfa-56739	322	12	.	.	PUNCT
cjfa-56739	323	1	sarma	sarma	NOUN
cjfa-56739	323	2	,	,	PUNCT
cjfa-56739	323	3	m.	m.	NOUN
cjfa-56739	323	4	,	,	PUNCT
cjfa-56739	323	5	&	&	CCONJ
cjfa-56739	323	6	pais	pais	PROPN
cjfa-56739	323	7	,	,	PUNCT
cjfa-56739	323	8	j.	j.	PROPN
cjfa-56739	323	9	(	(	PUNCT
cjfa-56739	323	10	2011	2011	NUM
cjfa-56739	323	11	)	)	PUNCT
cjfa-56739	323	12	financial	financial	ADJ
cjfa-56739	323	13	inclusion	inclusion	NOUN
cjfa-56739	323	14	and	and	CCONJ
cjfa-56739	323	15	development	development	NOUN
cjfa-56739	323	16	.	.	PUNCT
cjfa-56739	324	1	journal	journal	PROPN
cjfa-56739	324	2	of	of	ADP
cjfa-56739	324	3	international	international	PROPN
cjfa-56739	324	4	development	development	NOUN
cjfa-56739	324	5	,	,	PUNCT
cjfa-56739	324	6	23(5	23(5	NUM
cjfa-56739	324	7	)	)	PUNCT
cjfa-56739	324	8	,	,	PUNCT
cjfa-56739	324	9	613	613	NUM
cjfa-56739	324	10	-	-	SYM
cjfa-56739	324	11	628	628	NUM
cjfa-56739	324	12	.	.	PUNCT
cjfa-56739	325	1	https://doi.org/10.1002/jid.1698	https://doi.org/10.1002/jid.1698	NOUN
cjfa-56739	325	2	.	.	PUNCT
cjfa-56739	326	1	shih	shih	PROPN
cjfa-56739	326	2	,	,	PUNCT
cjfa-56739	326	3	t.-y	t.-y	NOUN
cjfa-56739	326	4	.	.	PROPN
cjfa-56739	326	5	,	,	PUNCT
cjfa-56739	326	6	&	&	CCONJ
cjfa-56739	326	7	ke	ke	PROPN
cjfa-56739	326	8	,	,	PUNCT
cjfa-56739	326	9	s.-c	s.-c	NOUN
cjfa-56739	326	10	.	.	PUNCT
cjfa-56739	327	1	(	(	PUNCT
cjfa-56739	327	2	2014	2014	NUM
cjfa-56739	327	3	)	)	PUNCT
cjfa-56739	327	4	.	.	PUNCT
cjfa-56739	328	1	determinates	determinate	NOUN
cjfa-56739	328	2	of	of	ADP
cjfa-56739	328	3	financial	financial	ADJ
cjfa-56739	328	4	behavior	behavior	NOUN
cjfa-56739	328	5	:	:	PUNCT
cjfa-56739	328	6	insights	insight	NOUN
cjfa-56739	328	7	into	into	ADP
cjfa-56739	328	8	consumer	consumer	NOUN
cjfa-56739	328	9	money	money	NOUN
cjfa-56739	328	10	attitudes	attitude	NOUN
cjfa-56739	328	11	and	and	CCONJ
cjfa-56739	328	12	financial	financial	ADJ
cjfa-56739	328	13	literacy	literacy	NOUN
cjfa-56739	328	14	.	.	PUNCT
cjfa-56739	329	1	service	service	NOUN
cjfa-56739	329	2	business	business	NOUN
cjfa-56739	329	3	,	,	PUNCT
cjfa-56739	329	4	8(2	8(2	NUM
cjfa-56739	329	5	)	)	PUNCT
cjfa-56739	329	6	,	,	PUNCT
cjfa-56739	329	7	217	217	NUM
cjfa-56739	329	8	-	-	SYM
cjfa-56739	329	9	238	238	NUM
cjfa-56739	329	10	.	.	PUNCT
cjfa-56739	330	1	https://doi	https://doi	NOUN
cjfa-56739	330	2	.	.	PUNCT
cjfa-56739	330	3	org/10.1007	org/10.1007	PROPN
cjfa-56739	330	4	/	/	SYM
cjfa-56739	330	5	s11628	s11628	PROPN
cjfa-56739	330	6	-	-	PUNCT
cjfa-56739	330	7	013	013	NUM
cjfa-56739	330	8	-	-	PUNCT
cjfa-56739	330	9	0194	0194	NUM
cjfa-56739	330	10	-	-	PUNCT
cjfa-56739	330	11	x.	x.	NOUN
cjfa-56739	330	12	https://doi.org/10.1891/1052-3073.30.1.142	https://doi.org/10.1891/1052-3073.30.1.142	PROPN
cjfa-56739	330	13	https://doi.org/10.1891/1052-3073.30.1.142	https://doi.org/10.1891/1052-3073.30.1.142	PROPN
cjfa-56739	330	14	https://doi.org/10.1080/00207594.2011.645486	https://doi.org/10.1080/00207594.2011.645486	PROPN
cjfa-56739	330	15	https://doi.org/10.19275/rsep157	https://doi.org/10.19275/rsep157	NOUN
cjfa-56739	330	16	https://doi.org/10.19275/rsep157	https://doi.org/10.19275/rsep157	NOUN
cjfa-56739	330	17	https://doi.org/10.3934/qfe.2023010	https://doi.org/10.3934/qfe.2023010	PROPN
cjfa-56739	330	18	https://doi.org/10.1108/19405971211284899	https://doi.org/10.1108/19405971211284899	NOUN
cjfa-56739	330	19	https://doi.org/10.1080/15427560.2011.620200	https://doi.org/10.1080/15427560.2011.620200	PUNCT
cjfa-56739	331	1	https://doi.org/10.1080/15427560.2011.620200	https://doi.org/10.1080/15427560.2011.620200	AUX
cjfa-56739	331	2	https://doi.org/10.12775/cjfa.2020.007	https://doi.org/10.12775/cjfa.2020.007	PROPN
cjfa-56739	331	3	https://doi.org/10.1002/jid.1698	https://doi.org/10.1002/jid.1698	PROPN
cjfa-56739	331	4	https://doi.org/10.1007/s11628-013-0194-x	https://doi.org/10.1007/s11628-013-0194-x	AUX
cjfa-56739	331	5	https://doi.org/10.1007/s11628-013-0194-x	https://doi.org/10.1007/s11628-013-0194-x	AUX
cjfa-56739	331	6	demand	demand	NOUN
cjfa-56739	331	7	side	side	NOUN
cjfa-56739	331	8	factors	factor	NOUN
cjfa-56739	331	9	and	and	CCONJ
cjfa-56739	331	10	financial	financial	ADJ
cjfa-56739	331	11	inclusion	inclusion	NOUN
cjfa-56739	331	12	…	…	PUNCT
cjfa-56739	331	13	4545	4545	NUM
cjfa-56739	331	14	stulz	stulz	ADJ
cjfa-56739	331	15	,	,	PUNCT
cjfa-56739	331	16	r.m	r.m	PROPN
cjfa-56739	331	17	.	.	PROPN
cjfa-56739	331	18	,	,	PUNCT
cjfa-56739	331	19	&	&	CCONJ
cjfa-56739	331	20	williamson	williamson	PROPN
cjfa-56739	331	21	,	,	PUNCT
cjfa-56739	331	22	r.	r.	PROPN
cjfa-56739	331	23	(	(	PUNCT
cjfa-56739	331	24	2003	2003	NUM
cjfa-56739	331	25	)	)	PUNCT
cjfa-56739	331	26	.	.	PUNCT
cjfa-56739	332	1	culture	culture	NOUN
cjfa-56739	332	2	,	,	PUNCT
cjfa-56739	332	3	openness	openness	NOUN
cjfa-56739	332	4	and	and	CCONJ
cjfa-56739	332	5	finance	finance	NOUN
cjfa-56739	332	6	.	.	PUNCT
cjfa-56739	333	1	journal	journal	PROPN
cjfa-56739	333	2	of	of	ADP
cjfa-56739	333	3	financial	financial	ADJ
cjfa-56739	333	4	economics	economic	NOUN
cjfa-56739	333	5	,	,	PUNCT
cjfa-56739	333	6	70(3	70(3	NOUN
cjfa-56739	333	7	)	)	PUNCT
cjfa-56739	333	8	,	,	PUNCT
cjfa-56739	333	9	313	313	NUM
cjfa-56739	333	10	-	-	SYM
cjfa-56739	333	11	349	349	NUM
cjfa-56739	333	12	.	.	PUNCT
cjfa-56739	334	1	https://doi.org/10.1016/s0304-405x(03)00173-9	https://doi.org/10.1016/s0304-405x(03)00173-9	NOUN
cjfa-56739	334	2	.	.	PUNCT
cjfa-56739	335	1	uzzi	uzzi	PROPN
cjfa-56739	335	2	,	,	PUNCT
cjfa-56739	335	3	b.	b.	PROPN
cjfa-56739	335	4	(	(	PUNCT
cjfa-56739	335	5	1999	1999	NUM
cjfa-56739	335	6	)	)	PUNCT
cjfa-56739	335	7	.	.	PUNCT
cjfa-56739	336	1	embeddedness	embeddedness	NOUN
cjfa-56739	336	2	in	in	ADP
cjfa-56739	336	3	the	the	DET
cjfa-56739	336	4	making	making	NOUN
cjfa-56739	336	5	of	of	ADP
cjfa-56739	336	6	financial	financial	ADJ
cjfa-56739	336	7	capital	capital	NOUN
cjfa-56739	336	8	:	:	PUNCT
cjfa-56739	336	9	how	how	SCONJ
cjfa-56739	336	10	social	social	ADJ
cjfa-56739	336	11	relations	relation	NOUN
cjfa-56739	336	12	and	and	CCONJ
cjfa-56739	336	13	networks	network	NOUN
cjfa-56739	336	14	benefit	benefit	NOUN
cjfa-56739	336	15	firms	firm	NOUN
cjfa-56739	336	16	seeking	seek	VERB
cjfa-56739	336	17	financing	financing	NOUN
cjfa-56739	336	18	.	.	PUNCT
cjfa-56739	337	1	american	american	ADJ
cjfa-56739	337	2	sociological	sociological	PROPN
cjfa-56739	337	3	review	review	PROPN
cjfa-56739	337	4	,	,	PUNCT
cjfa-56739	337	5	64(4	64(4	NUM
cjfa-56739	337	6	)	)	PUNCT
cjfa-56739	337	7	,	,	PUNCT
cjfa-56739	337	8	481	481	NUM
cjfa-56739	337	9	-	-	SYM
cjfa-56739	337	10	505	505	NUM
cjfa-56739	337	11	.	.	PUNCT
cjfa-56739	338	1	https://doi.org/10.1177/000312249906400402	https://doi.org/10.1177/000312249906400402	X
cjfa-56739	338	2	.	.	PUNCT
cjfa-56739	339	1	van	van	PROPN
cjfa-56739	339	2	der	der	PROPN
cjfa-56739	339	3	lee	lee	PROPN
cjfa-56739	339	4	,	,	PUNCT
cjfa-56739	339	5	c.	c.	PROPN
cjfa-56739	339	6	,	,	PUNCT
cjfa-56739	339	7	gatt	gatt	PROPN
cjfa-56739	339	8	,	,	PUNCT
cjfa-56739	339	9	a.	a.	PROPN
cjfa-56739	339	10	,	,	PUNCT
cjfa-56739	339	11	van	van	PROPN
cjfa-56739	339	12	miltenburg	miltenburg	PROPN
cjfa-56739	339	13	,	,	PUNCT
cjfa-56739	339	14	e.	e.	PROPN
cjfa-56739	339	15	,	,	PUNCT
cjfa-56739	339	16	&	&	CCONJ
cjfa-56739	339	17	krahmer	krahmer	PROPN
cjfa-56739	339	18	,	,	PUNCT
cjfa-56739	339	19	e.	e.	PROPN
cjfa-56739	339	20	(	(	PUNCT
cjfa-56739	339	21	2021	2021	NUM
cjfa-56739	339	22	)	)	PUNCT
cjfa-56739	339	23	.	.	PUNCT
cjfa-56739	340	1	human	human	ADJ
cjfa-56739	340	2	evaluation	evaluation	NOUN
cjfa-56739	340	3	of	of	ADP
cjfa-56739	340	4	automatically	automatically	ADV
cjfa-56739	340	5	generated	generate	VERB
cjfa-56739	340	6	text	text	NOUN
cjfa-56739	340	7	:	:	PUNCT
cjfa-56739	340	8	current	current	ADJ
cjfa-56739	340	9	trends	trend	NOUN
cjfa-56739	340	10	and	and	CCONJ
cjfa-56739	340	11	best	good	ADJ
cjfa-56739	340	12	practice	practice	NOUN
cjfa-56739	340	13	guidelines	guideline	NOUN
cjfa-56739	340	14	.	.	PUNCT
cjfa-56739	341	1	computer	computer	NOUN
cjfa-56739	341	2	speech	speech	NOUN
cjfa-56739	341	3	&	&	CCONJ
cjfa-56739	341	4	language	language	NOUN
cjfa-56739	341	5	,	,	PUNCT
cjfa-56739	341	6	67	67	NUM
cjfa-56739	341	7	,	,	PUNCT
cjfa-56739	341	8	1	1	NUM
cjfa-56739	341	9	-	-	SYM
cjfa-56739	341	10	24	24	NUM
cjfa-56739	341	11	.	.	PUNCT
cjfa-56739	342	1	https://doi.org/10.1016/j.csl.2020.101151	https://doi.org/10.1016/j.csl.2020.101151	PROPN
cjfa-56739	342	2	.	.	PUNCT
cjfa-56739	343	1	yangdol	yangdol	PROPN
cjfa-56739	343	2	,	,	PUNCT
cjfa-56739	343	3	r.	r.	PROPN
cjfa-56739	343	4	,	,	PUNCT
cjfa-56739	343	5	&	&	CCONJ
cjfa-56739	343	6	sarma	sarma	PROPN
cjfa-56739	343	7	,	,	PUNCT
cjfa-56739	343	8	m.	m.	NOUN
cjfa-56739	343	9	(	(	PUNCT
cjfa-56739	343	10	2019	2019	NUM
cjfa-56739	343	11	)	)	PUNCT
cjfa-56739	343	12	.	.	PUNCT
cjfa-56739	344	1	demand	demand	NOUN
cjfa-56739	344	2	-	-	PUNCT
cjfa-56739	344	3	side	side	NOUN
cjfa-56739	344	4	factors	factor	NOUN
cjfa-56739	344	5	for	for	ADP
cjfa-56739	344	6	financial	financial	ADJ
cjfa-56739	344	7	inclusion	inclusion	NOUN
cjfa-56739	344	8	:	:	PUNCT
cjfa-56739	344	9	a	a	DET
cjfa-56739	344	10	crosscountry	crosscountry	PROPN
cjfa-56739	344	11	empirical	empirical	ADJ
cjfa-56739	344	12	analysis	analysis	NOUN
cjfa-56739	344	13	.	.	PUNCT
cjfa-56739	345	1	international	international	ADJ
cjfa-56739	345	2	studies	study	NOUN
cjfa-56739	345	3	,	,	PUNCT
cjfa-56739	345	4	56(2	56(2	NOUN
cjfa-56739	345	5	-	-	SYM
cjfa-56739	345	6	3	3	NUM
cjfa-56739	345	7	)	)	PUNCT
cjfa-56739	345	8	,	,	PUNCT
cjfa-56739	345	9	163	163	NUM
cjfa-56739	345	10	-	-	SYM
cjfa-56739	345	11	185	185	NUM
cjfa-56739	345	12	.	.	PUNCT
cjfa-56739	346	1	https://doi.org/	https://doi.org/	NOUN
cjfa-56739	346	2	10.1177/0020881719849246	10.1177/0020881719849246	NUM
cjfa-56739	346	3	.	.	PUNCT
cjfa-56739	347	1	https://www.sciencedirect.com/journal/journal-of-financial-economics/vol/70/issue/3	https://www.sciencedirect.com/journal/journal-of-financial-economics/vol/70/issue/3	NOUN
cjfa-56739	347	2	https://doi.org/10.1016/s0304-405x(03)00173-9	https://doi.org/10.1016/s0304-405x(03)00173-9	NOUN
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cjfa-56739	347	4	https://doi.org/10.1177/0020881719849246	https://doi.org/10.1177/0020881719849246	NOUN
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