id	sid	tid	token	lemma	pos
cjfa-63101	1	1	e	e	X
cjfa-63101	1	2	-	-	PROPN
cjfa-63101	1	3	issn	issn	PROPN
cjfa-63101	1	4	2300	2300	NUM
cjfa-63101	1	5	-	-	SYM
cjfa-63101	1	6	3065	3065	NUM
cjfa-63101	1	7	p	p	PROPN
cjfa-63101	1	8	-	-	PUNCT
cjfa-63101	1	9	issn	issn	PROPN
cjfa-63101	1	10	2300	2300	NUM
cjfa-63101	1	11	-	-	SYM
cjfa-63101	1	12	12402025	12402025	NUM
cjfa-63101	1	13	,	,	PUNCT
cjfa-63101	1	14	volume	volume	NOUN
cjfa-63101	1	15	14	14	NUM
cjfa-63101	1	16	,	,	PUNCT
cjfa-63101	1	17	issue	issue	NOUN
cjfa-63101	1	18	1	1	NUM
cjfa-63101	1	19	copernican	copernican	PROPN
cjfa-63101	1	20	journal	journal	PROPN
cjfa-63101	1	21	of	of	ADP
cjfa-63101	1	22	finance	finance	PROPN
cjfa-63101	1	23	&	&	CCONJ
cjfa-63101	1	24	accounting	accounting	NOUN
cjfa-63101	1	25	date	date	NOUN
cjfa-63101	1	26	of	of	ADP
cjfa-63101	1	27	submission	submission	NOUN
cjfa-63101	1	28	:	:	PUNCT
cjfa-63101	1	29	january	january	NOUN
cjfa-63101	1	30	8	8	NUM
cjfa-63101	1	31	,	,	PUNCT
cjfa-63101	1	32	2025	2025	NUM
cjfa-63101	1	33	;	;	PUNCT
cjfa-63101	1	34	date	date	NOUN
cjfa-63101	1	35	of	of	ADP
cjfa-63101	1	36	acceptance	acceptance	NOUN
cjfa-63101	1	37	:	:	PUNCT
cjfa-63101	1	38	may	may	AUX
cjfa-63101	1	39	27	27	NUM
cjfa-63101	1	40	,	,	PUNCT
cjfa-63101	1	41	2025	2025	NUM
cjfa-63101	1	42	*	*	PUNCT
cjfa-63101	1	43	contact	contact	NOUN
cjfa-63101	1	44	information	information	NOUN
cjfa-63101	1	45	:	:	PUNCT
cjfa-63101	1	46	philominamnarh@gmail.com	philominamnarh@gmail.com	X
cjfa-63101	1	47	,	,	PUNCT
cjfa-63101	1	48	university	university	NOUN
cjfa-63101	1	49	of	of	ADP
cjfa-63101	1	50	cape	cape	PROPN
cjfa-63101	1	51	coast	coast	PROPN
cjfa-63101	1	52	,	,	PUNCT
cjfa-63101	1	53	cape	cape	NOUN
cjfa-63101	1	54	coast	coast	PROPN
cjfa-63101	1	55	,	,	PUNCT
cjfa-63101	1	56	ghana	ghana	PROPN
cjfa-63101	1	57	,	,	PUNCT
cjfa-63101	1	58	phone	phone	NOUN
cjfa-63101	1	59	:	:	PUNCT
cjfa-63101	1	60	+233	+233	NUM
cjfa-63101	1	61	543835107	543835107	NUM
cjfa-63101	1	62	;	;	PUNCT
cjfa-63101	1	63	orcid	orcid	PROPN
cjfa-63101	2	1	i	i	NOUN
cjfa-63101	2	2	d	d	NOUN
cjfa-63101	2	3	:	:	PUNCT
cjfa-63101	2	4	https://orcid.org/0009-00023275-1231	https://orcid.org/0009-00023275-1231	ADJ
cjfa-63101	2	5	.	.	PUNCT
cjfa-63101	3	1	*	*	PUNCT
cjfa-63101	3	2	*	*	PUNCT
cjfa-63101	3	3	contact	contact	NOUN
cjfa-63101	3	4	information	information	NOUN
cjfa-63101	3	5	:	:	PUNCT
cjfa-63101	3	6	collinsdodzi.cd@gmail.com	collinsdodzi.cd@gmail.com	PROPN
cjfa-63101	3	7	,	,	PUNCT
cjfa-63101	3	8	renmin	renmin	PROPN
cjfa-63101	3	9	university	university	PROPN
cjfa-63101	3	10	of	of	ADP
cjfa-63101	3	11	china	china	PROPN
cjfa-63101	3	12	,	,	PUNCT
cjfa-63101	3	13	beijing	beijing	PROPN
cjfa-63101	3	14	,	,	PUNCT
cjfa-63101	3	15	china	china	PROPN
cjfa-63101	3	16	,	,	PUNCT
cjfa-63101	3	17	phone	phone	NOUN
cjfa-63101	3	18	:	:	PUNCT
cjfa-63101	3	19	+86	+86	NOUN
cjfa-63101	3	20	15506159515	15506159515	NUM
cjfa-63101	3	21	;	;	PUNCT
cjfa-63101	3	22	orcid	orcid	NOUN
cjfa-63101	4	1	i	i	NOUN
cjfa-63101	4	2	d	d	NOUN
cjfa-63101	4	3	:	:	PUNCT
cjfa-63101	4	4	https://orcid.org/0000-00025710-9686	https://orcid.org/0000-00025710-9686	PROPN
cjfa-63101	4	5	.	.	PROPN
cjfa-63101	4	6	narh	narh	PROPN
cjfa-63101	4	7	,	,	PUNCT
cjfa-63101	4	8	p.m.	p.m.	NOUN
cjfa-63101	4	9	,	,	PUNCT
cjfa-63101	4	10	&	&	CCONJ
cjfa-63101	4	11	dzitse	dzitse	PROPN
cjfa-63101	4	12	,	,	PUNCT
cjfa-63101	4	13	c.d	c.d	PROPN
cjfa-63101	4	14	.	.	PROPN
cjfa-63101	5	1	(	(	PUNCT
cjfa-63101	5	2	2025	2025	NUM
cjfa-63101	5	3	)	)	PUNCT
cjfa-63101	5	4	.	.	PUNCT
cjfa-63101	6	1	financial	financial	ADJ
cjfa-63101	6	2	inclusion	inclusion	NOUN
cjfa-63101	6	3	towards	towards	ADP
cjfa-63101	6	4	financial	financial	ADJ
cjfa-63101	6	5	stability	stability	NOUN
cjfa-63101	6	6	in	in	ADP
cjfa-63101	6	7	ghana	ghana	PROPN
cjfa-63101	6	8	:	:	PUNCT
cjfa-63101	6	9	insights	insight	NOUN
cjfa-63101	6	10	from	from	ADP
cjfa-63101	6	11	quantile	quantile	ADJ
cjfa-63101	6	12	regression	regression	NOUN
cjfa-63101	6	13	analysis	analysis	NOUN
cjfa-63101	6	14	.	.	PUNCT
cjfa-63101	7	1	copernican	copernican	PROPN
cjfa-63101	7	2	journal	journal	PROPN
cjfa-63101	7	3	of	of	ADP
cjfa-63101	7	4	finance	finance	PROPN
cjfa-63101	7	5	&	&	CCONJ
cjfa-63101	7	6	accounting	accounting	NOUN
cjfa-63101	7	7	,	,	PUNCT
cjfa-63101	7	8	14(1	14(1	NUM
cjfa-63101	7	9	)	)	PUNCT
cjfa-63101	7	10	,	,	PUNCT
cjfa-63101	7	11	47	47	NUM
cjfa-63101	7	12	–	–	PUNCT
cjfa-63101	7	13	 	 	SPACE
cjfa-63101	7	14	69	69	NUM
cjfa-63101	7	15	.	.	PUNCT
cjfa-63101	8	1	http://dx.doi.org/10.12775/cjfa.2025.003	http://dx.doi.org/10.12775/cjfa.2025.003	PROPN
cjfa-63101	8	2	philomina	philomina	PROPN
cjfa-63101	8	3	maku	maku	PROPN
cjfa-63101	8	4	narh	narh	PROPN
cjfa-63101	8	5	*	*	PROPN
cjfa-63101	8	6	university	university	PROPN
cjfa-63101	8	7	of	of	ADP
cjfa-63101	8	8	cape	cape	PROPN
cjfa-63101	8	9	coast	coast	PROPN
cjfa-63101	8	10	collins	collins	PROPN
cjfa-63101	8	11	dodzi	dodzi	VERB
cjfa-63101	8	12	dzitse	dzitse	PROPN
cjfa-63101	8	13	*	*	PUNCT
cjfa-63101	8	14	*	*	PROPN
cjfa-63101	8	15	renmin	renmin	PROPN
cjfa-63101	8	16	university	university	PROPN
cjfa-63101	8	17	of	of	ADP
cjfa-63101	8	18	china	china	PROPN
cjfa-63101	8	19	financial	financial	ADJ
cjfa-63101	8	20	inclusion	inclusion	NOUN
cjfa-63101	8	21	towards	towards	ADP
cjfa-63101	8	22	financial	financial	ADJ
cjfa-63101	8	23	stability	stability	NOUN
cjfa-63101	8	24	in	in	ADP
cjfa-63101	8	25	ghana	ghana	PROPN
cjfa-63101	8	26	:	:	PUNCT
cjfa-63101	8	27	insights	insight	NOUN
cjfa-63101	8	28	from	from	ADP
cjfa-63101	8	29	quantile	quantile	ADJ
cjfa-63101	8	30	regression	regression	NOUN
cjfa-63101	8	31	analysis	analysis	NOUN
cjfa-63101	8	32	keywords	keyword	NOUN
cjfa-63101	8	33	:	:	PUNCT
cjfa-63101	8	34	financial	financial	ADJ
cjfa-63101	8	35	inclusion	inclusion	NOUN
cjfa-63101	8	36	,	,	PUNCT
cjfa-63101	8	37	financial	financial	ADJ
cjfa-63101	8	38	stability	stability	NOUN
cjfa-63101	8	39	,	,	PUNCT
cjfa-63101	8	40	cointegration	cointegration	NOUN
cjfa-63101	8	41	quantile	quantile	ADJ
cjfa-63101	8	42	regression	regression	NOUN
cjfa-63101	8	43	,	,	PUNCT
cjfa-63101	8	44	ghana	ghana	PROPN
cjfa-63101	8	45	.	.	PUNCT
cjfa-63101	9	1	jel	jel	PROPN
cjfa-63101	9	2	classifications	classification	NOUN
cjfa-63101	9	3	:	:	PUNCT
cjfa-63101	9	4	g28	g28	NOUN
cjfa-63101	9	5	,	,	PUNCT
cjfa-63101	9	6	o16	o16	X
cjfa-63101	9	7	,	,	PUNCT
cjfa-63101	9	8	o55	o55	PROPN
cjfa-63101	9	9	.	.	PUNCT
cjfa-63101	10	1	abstract	abstract	ADJ
cjfa-63101	10	2	:	:	PUNCT
cjfa-63101	10	3	in	in	ADP
cjfa-63101	10	4	ghana	ghana	PROPN
cjfa-63101	10	5	,	,	PUNCT
cjfa-63101	10	6	only	only	ADV
cjfa-63101	10	7	52.7	52.7	NUM
cjfa-63101	10	8	%	%	NOUN
cjfa-63101	10	9	of	of	ADP
cjfa-63101	10	10	the	the	DET
cjfa-63101	10	11	population	population	NOUN
cjfa-63101	10	12	is	be	AUX
cjfa-63101	10	13	fully	fully	ADV
cjfa-63101	10	14	financially	financially	ADV
cjfa-63101	10	15	included	include	VERB
cjfa-63101	10	16	in	in	ADP
cjfa-63101	10	17	the	the	DET
cjfa-63101	10	18	formal	formal	ADJ
cjfa-63101	10	19	financial	financial	ADJ
cjfa-63101	10	20	system	system	NOUN
cjfa-63101	10	21	.	.	PUNCT
cjfa-63101	11	1	however	however	ADV
cjfa-63101	11	2	,	,	PUNCT
cjfa-63101	11	3	while	while	SCONJ
cjfa-63101	11	4	financial	financial	ADJ
cjfa-63101	11	5	inclusion	inclusion	NOUN
cjfa-63101	11	6	is	be	AUX
cjfa-63101	11	7	often	often	ADV
cjfa-63101	11	8	linked	link	VERB
cjfa-63101	11	9	to	to	ADP
cjfa-63101	11	10	economic	economic	ADJ
cjfa-63101	11	11	resilience	resilience	NOUN
cjfa-63101	11	12	and	and	CCONJ
cjfa-63101	11	13	stability	stability	NOUN
cjfa-63101	11	14	,	,	PUNCT
cjfa-63101	11	15	as	as	SCONJ
cjfa-63101	11	16	it	it	PRON
cjfa-63101	11	17	can	can	AUX
cjfa-63101	11	18	broaden	broaden	VERB
cjfa-63101	11	19	access	access	NOUN
cjfa-63101	11	20	to	to	ADP
cjfa-63101	11	21	financial	financial	ADJ
cjfa-63101	11	22	services	service	NOUN
cjfa-63101	11	23	and	and	CCONJ
cjfa-63101	11	24	reduce	reduce	VERB
cjfa-63101	11	25	vulnerability	vulnerability	NOUN
cjfa-63101	11	26	,	,	PUNCT
cjfa-63101	11	27	its	its	PRON
cjfa-63101	11	28	direct	direct	ADJ
cjfa-63101	11	29	,	,	PUNCT
cjfa-63101	11	30	quantifiable	quantifiable	ADJ
cjfa-63101	11	31	impact	impact	NOUN
cjfa-63101	11	32	,	,	PUNCT
cjfa-63101	11	33	particularly	particularly	ADV
cjfa-63101	11	34	at	at	ADP
cjfa-63101	11	35	different	different	ADJ
cjfa-63101	11	36	quantile	quantile	ADJ
cjfa-63101	11	37	levels	level	NOUN
cjfa-63101	11	38	,	,	PUNCT
cjfa-63101	11	39	remains	remain	VERB
cjfa-63101	11	40	largely	largely	ADV
cjfa-63101	11	41	untested	untested	ADJ
cjfa-63101	11	42	in	in	ADP
cjfa-63101	11	43	the	the	DET
cjfa-63101	11	44	sub	sub	ADJ
cjfa-63101	11	45	-	-	ADJ
cjfa-63101	11	46	saharan	saharan	ADJ
cjfa-63101	11	47	african	african	ADJ
cjfa-63101	11	48	context	context	NOUN
cjfa-63101	11	49	.	.	PUNCT
cjfa-63101	12	1	this	this	DET
cjfa-63101	12	2	study	study	NOUN
cjfa-63101	12	3	addresses	address	VERB
cjfa-63101	12	4	this	this	DET
cjfa-63101	12	5	gap	gap	NOUN
cjfa-63101	12	6	by	by	ADP
cjfa-63101	12	7	employing	employ	VERB
cjfa-63101	12	8	quantile	quantile	ADJ
cjfa-63101	12	9	regression	regression	NOUN
cjfa-63101	12	10	analysis	analysis	NOUN
cjfa-63101	12	11	to	to	PART
cjfa-63101	12	12	examine	examine	VERB
cjfa-63101	12	13	the	the	DET
cjfa-63101	12	14	impact	impact	NOUN
cjfa-63101	12	15	of	of	ADP
cjfa-63101	12	16	financial	financial	ADJ
cjfa-63101	12	17	inclusion	inclusion	NOUN
cjfa-63101	12	18	on	on	ADP
cjfa-63101	12	19	ghana	ghana	PROPN
cjfa-63101	12	20	’s	’s	PART
cjfa-63101	12	21	financial	financial	ADJ
cjfa-63101	12	22	stability	stability	NOUN
cjfa-63101	12	23	,	,	PUNCT
cjfa-63101	12	24	using	use	VERB
cjfa-63101	12	25	time	time	NOUN
cjfa-63101	12	26	-	-	PUNCT
cjfa-63101	12	27	series	series	NOUN
cjfa-63101	12	28	data	datum	NOUN
cjfa-63101	12	29	from	from	ADP
cjfa-63101	12	30	2005	2005	NUM
cjfa-63101	12	31	to	to	ADP
cjfa-63101	12	32	2021	2021	NUM
cjfa-63101	12	33	.	.	PUNCT
cjfa-63101	13	1	the	the	DET
cjfa-63101	13	2	results	result	NOUN
cjfa-63101	13	3	show	show	VERB
cjfa-63101	13	4	significant	significant	ADJ
cjfa-63101	13	5	cointegration	cointegration	NOUN
cjfa-63101	13	6	between	between	ADP
cjfa-63101	13	7	the	the	DET
cjfa-63101	13	8	variables	variable	NOUN
cjfa-63101	13	9	,	,	PUNCT
cjfa-63101	13	10	indicating	indicate	VERB
cjfa-63101	13	11	that	that	SCONJ
cjfa-63101	13	12	the	the	DET
cjfa-63101	13	13	independent	independent	ADJ
cjfa-63101	13	14	vari	vari	PROPN
cjfa-63101	13	15	philomina	philomina	PROPN
cjfa-63101	13	16	maku	maku	PROPN
cjfa-63101	13	17	narh	narh	PROPN
cjfa-63101	13	18	,	,	PUNCT
cjfa-63101	13	19	collins	collins	PROPN
cjfa-63101	13	20	dodzi	dodzi	PROPN
cjfa-63101	13	21	dzitse4848	dzitse4848	PROPN
cjfa-63101	13	22	ables	able	NOUN
cjfa-63101	13	23	act	act	VERB
cjfa-63101	13	24	as	as	ADP
cjfa-63101	13	25	long	long	ADV
cjfa-63101	13	26	-	-	PUNCT
cjfa-63101	13	27	run	run	VERB
cjfa-63101	13	28	forcing	force	VERB
cjfa-63101	13	29	factors	factor	NOUN
cjfa-63101	13	30	for	for	ADP
cjfa-63101	13	31	financial	financial	ADJ
cjfa-63101	13	32	stability	stability	NOUN
cjfa-63101	13	33	.	.	PUNCT
cjfa-63101	14	1	the	the	DET
cjfa-63101	14	2	long	long	ADV
cjfa-63101	14	3	-	-	PUNCT
cjfa-63101	14	4	run	run	NOUN
cjfa-63101	14	5	analysis	analysis	NOUN
cjfa-63101	14	6	shows	show	VERB
cjfa-63101	14	7	that	that	SCONJ
cjfa-63101	14	8	financial	financial	ADJ
cjfa-63101	14	9	inclusion	inclusion	NOUN
cjfa-63101	14	10	positively	positively	ADV
cjfa-63101	14	11	affects	affect	VERB
cjfa-63101	14	12	financial	financial	ADJ
cjfa-63101	14	13	stability	stability	NOUN
cjfa-63101	14	14	,	,	PUNCT
cjfa-63101	14	15	especially	especially	ADV
cjfa-63101	14	16	at	at	ADP
cjfa-63101	14	17	higher	high	ADJ
cjfa-63101	14	18	quantiles	quantile	NOUN
cjfa-63101	14	19	.	.	PUNCT
cjfa-63101	15	1	these	these	DET
cjfa-63101	15	2	findings	finding	NOUN
cjfa-63101	15	3	highlight	highlight	VERB
cjfa-63101	15	4	the	the	DET
cjfa-63101	15	5	need	need	NOUN
cjfa-63101	15	6	to	to	PART
cjfa-63101	15	7	consider	consider	VERB
cjfa-63101	15	8	various	various	ADJ
cjfa-63101	15	9	quantile	quantile	ADJ
cjfa-63101	15	10	levels	level	NOUN
cjfa-63101	15	11	in	in	ADP
cjfa-63101	15	12	national	national	ADJ
cjfa-63101	15	13	financial	financial	ADJ
cjfa-63101	15	14	assessments	assessment	NOUN
cjfa-63101	15	15	.	.	PUNCT
cjfa-63101	16	1	the	the	DET
cjfa-63101	16	2	study	study	NOUN
cjfa-63101	16	3	suggests	suggest	VERB
cjfa-63101	16	4	prioritizing	prioritize	VERB
cjfa-63101	16	5	financial	financial	ADJ
cjfa-63101	16	6	inclusion	inclusion	NOUN
cjfa-63101	16	7	during	during	ADP
cjfa-63101	16	8	periods	period	NOUN
cjfa-63101	16	9	of	of	ADP
cjfa-63101	16	10	low	low	ADJ
cjfa-63101	16	11	financial	financial	ADJ
cjfa-63101	16	12	stability	stability	NOUN
cjfa-63101	16	13	because	because	SCONJ
cjfa-63101	16	14	of	of	ADP
cjfa-63101	16	15	its	its	PRON
cjfa-63101	16	16	positive	positive	ADJ
cjfa-63101	16	17	correlation	correlation	NOUN
cjfa-63101	16	18	with	with	ADP
cjfa-63101	16	19	strengthening	strengthen	VERB
cjfa-63101	16	20	a	a	DET
cjfa-63101	16	21	country	country	NOUN
cjfa-63101	16	22	’s	’s	PART
cjfa-63101	16	23	financial	financial	ADJ
cjfa-63101	16	24	landscape	landscape	NOUN
cjfa-63101	16	25	,	,	PUNCT
cjfa-63101	16	26	which	which	PRON
cjfa-63101	16	27	can	can	AUX
cjfa-63101	16	28	aid	aid	VERB
cjfa-63101	16	29	in	in	ADP
cjfa-63101	16	30	economic	economic	ADJ
cjfa-63101	16	31	resilience	resilience	NOUN
cjfa-63101	16	32	and	and	CCONJ
cjfa-63101	16	33	sustainability	sustainability	NOUN
cjfa-63101	16	34	in	in	ADP
cjfa-63101	16	35	ghana	ghana	PROPN
cjfa-63101	16	36	and	and	CCONJ
cjfa-63101	16	37	many	many	ADJ
cjfa-63101	16	38	sub	sub	ADJ
cjfa-63101	16	39	-	-	ADJ
cjfa-63101	16	40	saharan	saharan	ADJ
cjfa-63101	16	41	african	african	ADJ
cjfa-63101	16	42	countries	country	NOUN
cjfa-63101	16	43	.	.	PUNCT
cjfa-63101	16	44	 	 	SPACE
cjfa-63101	17	1	introduction	introduction	NOUN
cjfa-63101	17	2	 	 	SPACE
cjfa-63101	17	3	introduction	introduction	NOUN
cjfa-63101	17	4	financial	financial	ADJ
cjfa-63101	17	5	inclusion	inclusion	NOUN
cjfa-63101	17	6	is	be	AUX
cjfa-63101	17	7	essential	essential	ADJ
cjfa-63101	17	8	for	for	ADP
cjfa-63101	17	9	financial	financial	ADJ
cjfa-63101	17	10	stability	stability	NOUN
cjfa-63101	17	11	,	,	PUNCT
cjfa-63101	17	12	as	as	SCONJ
cjfa-63101	17	13	1.7	1.7	NUM
cjfa-63101	17	14	billion	billion	NUM
cjfa-63101	17	15	people	people	NOUN
cjfa-63101	17	16	remain	remain	VERB
cjfa-63101	17	17	unbanked	unbanked	ADJ
cjfa-63101	17	18	globally	globally	ADV
cjfa-63101	17	19	,	,	PUNCT
cjfa-63101	17	20	with	with	ADP
cjfa-63101	17	21	ghana	ghana	PROPN
cjfa-63101	17	22	among	among	ADP
cjfa-63101	17	23	seven	seven	NUM
cjfa-63101	17	24	countries	country	NOUN
cjfa-63101	17	25	representing	represent	VERB
cjfa-63101	17	26	nearly	nearly	ADV
cjfa-63101	17	27	50	50	NUM
cjfa-63101	17	28	%	%	NOUN
cjfa-63101	17	29	of	of	ADP
cjfa-63101	17	30	the	the	DET
cjfa-63101	17	31	unbanked	unbanked	ADJ
cjfa-63101	17	32	population	population	NOUN
cjfa-63101	17	33	(	(	PUNCT
cjfa-63101	17	34	global	global	ADJ
cjfa-63101	17	35	financial	financial	ADJ
cjfa-63101	17	36	index	index	NOUN
cjfa-63101	17	37	report	report	NOUN
cjfa-63101	17	38	,	,	PUNCT
cjfa-63101	17	39	2017	2017	NUM
cjfa-63101	17	40	)	)	PUNCT
cjfa-63101	17	41	.	.	PUNCT
cjfa-63101	18	1	financial	financial	ADJ
cjfa-63101	18	2	inclusion	inclusion	NOUN
cjfa-63101	18	3	can	can	AUX
cjfa-63101	18	4	reduce	reduce	VERB
cjfa-63101	18	5	financial	financial	ADJ
cjfa-63101	18	6	fragility	fragility	NOUN
cjfa-63101	18	7	and	and	CCONJ
cjfa-63101	18	8	enhance	enhance	VERB
cjfa-63101	18	9	stability	stability	NOUN
cjfa-63101	18	10	(	(	PUNCT
cjfa-63101	18	11	camara	camara	PROPN
cjfa-63101	18	12	&	&	CCONJ
cjfa-63101	18	13	diallo	diallo	PROPN
cjfa-63101	18	14	,	,	PUNCT
cjfa-63101	18	15	2020	2020	NUM
cjfa-63101	18	16	)	)	PUNCT
cjfa-63101	18	17	.	.	PUNCT
cjfa-63101	19	1	however	however	ADV
cjfa-63101	19	2	,	,	PUNCT
cjfa-63101	19	3	ghana	ghana	PROPN
cjfa-63101	19	4	’s	’s	PART
cjfa-63101	19	5	significant	significant	ADJ
cjfa-63101	19	6	financial	financial	ADJ
cjfa-63101	19	7	exclusion	exclusion	NOUN
cjfa-63101	19	8	,	,	PUNCT
cjfa-63101	19	9	with	with	ADP
cjfa-63101	19	10	substantial	substantial	ADJ
cjfa-63101	19	11	amounts	amount	NOUN
cjfa-63101	19	12	of	of	ADP
cjfa-63101	19	13	money	money	NOUN
cjfa-63101	19	14	outside	outside	ADP
cjfa-63101	19	15	the	the	DET
cjfa-63101	19	16	banking	banking	NOUN
cjfa-63101	19	17	system	system	NOUN
cjfa-63101	19	18	,	,	PUNCT
cjfa-63101	19	19	has	have	AUX
cjfa-63101	19	20	resulted	result	VERB
cjfa-63101	19	21	in	in	ADP
cjfa-63101	19	22	pronounced	pronounced	ADJ
cjfa-63101	19	23	financial	financial	ADJ
cjfa-63101	19	24	instability	instability	NOUN
cjfa-63101	19	25	.	.	PUNCT
cjfa-63101	20	1	financial	financial	ADJ
cjfa-63101	20	2	instability	instability	NOUN
cjfa-63101	20	3	has	have	AUX
cjfa-63101	20	4	been	be	AUX
cjfa-63101	20	5	a	a	DET
cjfa-63101	20	6	recurring	recur	VERB
cjfa-63101	20	7	issue	issue	NOUN
cjfa-63101	20	8	for	for	ADP
cjfa-63101	20	9	over	over	ADP
cjfa-63101	20	10	20	20	NUM
cjfa-63101	20	11	years	year	NOUN
cjfa-63101	20	12	.	.	PUNCT
cjfa-63101	21	1	in	in	ADP
cjfa-63101	21	2	ghana	ghana	PROPN
cjfa-63101	21	3	,	,	PUNCT
cjfa-63101	21	4	this	this	DET
cjfa-63101	21	5	instability	instability	NOUN
cjfa-63101	21	6	has	have	AUX
cjfa-63101	21	7	worsened	worsen	VERB
cjfa-63101	21	8	due	due	ADJ
cjfa-63101	21	9	to	to	ADP
cjfa-63101	21	10	the	the	DET
cjfa-63101	21	11	lingering	linger	VERB
cjfa-63101	21	12	effects	effect	NOUN
cjfa-63101	21	13	of	of	ADP
cjfa-63101	21	14	the	the	DET
cjfa-63101	21	15	covid-19	covid-19	PROPN
cjfa-63101	21	16	pandemic	pandemic	NOUN
cjfa-63101	21	17	,	,	PUNCT
cjfa-63101	21	18	influencing	influence	VERB
cjfa-63101	21	19	inflation	inflation	NOUN
cjfa-63101	21	20	and	and	CCONJ
cjfa-63101	21	21	debt	debt	NOUN
cjfa-63101	21	22	sustainability	sustainability	NOUN
cjfa-63101	21	23	.	.	PUNCT
cjfa-63101	22	1	additionally	additionally	ADV
cjfa-63101	22	2	,	,	PUNCT
cjfa-63101	22	3	the	the	DET
cjfa-63101	22	4	domestic	domestic	ADJ
cjfa-63101	22	5	debt	debt	NOUN
cjfa-63101	22	6	exchange	exchange	NOUN
cjfa-63101	22	7	program	program	NOUN
cjfa-63101	22	8	(	(	PUNCT
cjfa-63101	22	9	ddep	ddep	NOUN
cjfa-63101	22	10	)	)	PUNCT
cjfa-63101	22	11	of	of	ADP
cjfa-63101	22	12	the	the	DET
cjfa-63101	22	13	government	government	NOUN
cjfa-63101	22	14	of	of	ADP
cjfa-63101	22	15	ghana	ghana	PROPN
cjfa-63101	22	16	(	(	PUNCT
cjfa-63101	22	17	gog	gog	PROPN
cjfa-63101	22	18	)	)	PUNCT
cjfa-63101	22	19	has	have	AUX
cjfa-63101	22	20	failed	fail	VERB
cjfa-63101	22	21	to	to	PART
cjfa-63101	22	22	achieve	achieve	VERB
cjfa-63101	22	23	financial	financial	ADJ
cjfa-63101	22	24	stability	stability	NOUN
cjfa-63101	22	25	,	,	PUNCT
cjfa-63101	22	26	leading	lead	VERB
cjfa-63101	22	27	to	to	ADP
cjfa-63101	22	28	a	a	DET
cjfa-63101	22	29	bailout	bailout	NOUN
cjfa-63101	22	30	request	request	NOUN
cjfa-63101	22	31	from	from	ADP
cjfa-63101	22	32	the	the	DET
cjfa-63101	22	33	imf	imf	PROPN
cjfa-63101	22	34	in	in	ADP
cjfa-63101	22	35	2023	2023	NUM
cjfa-63101	22	36	.	.	PUNCT
cjfa-63101	23	1	financial	financial	ADJ
cjfa-63101	23	2	inclusion	inclusion	NOUN
cjfa-63101	23	3	is	be	AUX
cjfa-63101	23	4	crucial	crucial	ADJ
cjfa-63101	23	5	for	for	ADP
cjfa-63101	23	6	achieving	achieve	VERB
cjfa-63101	23	7	financial	financial	ADJ
cjfa-63101	23	8	stability	stability	NOUN
cjfa-63101	23	9	(	(	PUNCT
cjfa-63101	23	10	koudalo	koudalo	NOUN
cjfa-63101	23	11	&	&	CCONJ
cjfa-63101	23	12	toure	toure	PROPN
cjfa-63101	23	13	,	,	PUNCT
cjfa-63101	23	14	2023	2023	NUM
cjfa-63101	23	15	)	)	PUNCT
cjfa-63101	23	16	.	.	PUNCT
cjfa-63101	24	1	policymakers	policymaker	NOUN
cjfa-63101	24	2	consider	consider	VERB
cjfa-63101	24	3	various	various	ADJ
cjfa-63101	24	4	factors	factor	NOUN
cjfa-63101	24	5	,	,	PUNCT
cjfa-63101	24	6	such	such	ADJ
cjfa-63101	24	7	as	as	ADP
cjfa-63101	24	8	inflation	inflation	NOUN
cjfa-63101	24	9	,	,	PUNCT
cjfa-63101	24	10	recession	recession	NOUN
cjfa-63101	24	11	,	,	PUNCT
cjfa-63101	24	12	policy	policy	NOUN
cjfa-63101	24	13	changes	change	NOUN
cjfa-63101	24	14	,	,	PUNCT
cjfa-63101	24	15	political	political	ADJ
cjfa-63101	24	16	situations	situation	NOUN
cjfa-63101	24	17	,	,	PUNCT
cjfa-63101	24	18	global	global	ADJ
cjfa-63101	24	19	markets	market	NOUN
cjfa-63101	24	20	,	,	PUNCT
cjfa-63101	24	21	fiscal	fiscal	ADJ
cjfa-63101	24	22	deficits	deficit	NOUN
cjfa-63101	24	23	,	,	PUNCT
cjfa-63101	24	24	and	and	CCONJ
cjfa-63101	24	25	financial	financial	ADJ
cjfa-63101	24	26	inclusion	inclusion	NOUN
cjfa-63101	24	27	,	,	PUNCT
cjfa-63101	24	28	to	to	PART
cjfa-63101	24	29	address	address	VERB
cjfa-63101	24	30	financial	financial	ADJ
cjfa-63101	24	31	stability	stability	NOUN
cjfa-63101	24	32	.	.	PUNCT
cjfa-63101	25	1	financial	financial	ADJ
cjfa-63101	25	2	inclusion	inclusion	NOUN
cjfa-63101	25	3	enhances	enhance	VERB
cjfa-63101	25	4	the	the	DET
cjfa-63101	25	5	financial	financial	ADJ
cjfa-63101	25	6	sector	sector	NOUN
cjfa-63101	25	7	and	and	CCONJ
cjfa-63101	25	8	provides	provide	VERB
cjfa-63101	25	9	access	access	NOUN
cjfa-63101	25	10	to	to	ADP
cjfa-63101	25	11	services	service	NOUN
cjfa-63101	25	12	such	such	ADJ
cjfa-63101	25	13	as	as	ADP
cjfa-63101	25	14	credit	credit	NOUN
cjfa-63101	25	15	,	,	PUNCT
cjfa-63101	25	16	thus	thus	ADV
cjfa-63101	25	17	strengthening	strengthen	VERB
cjfa-63101	25	18	stability	stability	NOUN
cjfa-63101	25	19	(	(	PUNCT
cjfa-63101	25	20	moeti	moeti	PROPN
cjfa-63101	25	21	&	&	CCONJ
cjfa-63101	25	22	sin	sin	PROPN
cjfa-63101	25	23	yu	yu	PROPN
cjfa-63101	25	24	,	,	PUNCT
cjfa-63101	25	25	2024	2024	NUM
cjfa-63101	25	26	)	)	PUNCT
cjfa-63101	25	27	.	.	PUNCT
cjfa-63101	26	1	while	while	SCONJ
cjfa-63101	26	2	numerous	numerous	ADJ
cjfa-63101	26	3	studies	study	NOUN
cjfa-63101	26	4	have	have	AUX
cjfa-63101	26	5	investigated	investigate	VERB
cjfa-63101	26	6	the	the	DET
cjfa-63101	26	7	factors	factor	NOUN
cjfa-63101	26	8	influencing	influence	VERB
cjfa-63101	26	9	financial	financial	ADJ
cjfa-63101	26	10	stability	stability	NOUN
cjfa-63101	26	11	(	(	PUNCT
cjfa-63101	26	12	frimpong	frimpong	PROPN
cjfa-63101	26	13	,	,	PUNCT
cjfa-63101	26	14	yusuf	yusuf	PROPN
cjfa-63101	26	15	,	,	PUNCT
cjfa-63101	26	16	boateng	boateng	PROPN
cjfa-63101	26	17	,	,	PUNCT
cjfa-63101	26	18	ankomah	ankomah	PROPN
cjfa-63101	26	19	&	&	CCONJ
cjfa-63101	26	20	abeka	abeka	PROPN
cjfa-63101	26	21	,	,	PUNCT
cjfa-63101	26	22	2023	2023	NUM
cjfa-63101	26	23	)	)	PUNCT
cjfa-63101	26	24	,	,	PUNCT
cjfa-63101	26	25	including	include	VERB
cjfa-63101	26	26	financial	financial	ADJ
cjfa-63101	26	27	inclusion	inclusion	NOUN
cjfa-63101	26	28	(	(	PUNCT
cjfa-63101	26	29	babatunde	babatunde	NOUN
cjfa-63101	26	30	,	,	PUNCT
cjfa-63101	26	31	2024	2024	NUM
cjfa-63101	26	32	)	)	PUNCT
cjfa-63101	26	33	,	,	PUNCT
cjfa-63101	26	34	research	research	NOUN
cjfa-63101	26	35	on	on	ADP
cjfa-63101	26	36	the	the	DET
cjfa-63101	26	37	financial	financial	ADJ
cjfa-63101	26	38	inclusion	inclusion	NOUN
cjfa-63101	26	39	-	-	PUNCT
cjfa-63101	26	40	stability	stability	NOUN
cjfa-63101	26	41	relationship	relationship	NOUN
cjfa-63101	26	42	in	in	ADP
cjfa-63101	26	43	developing	develop	VERB
cjfa-63101	26	44	countries	country	NOUN
cjfa-63101	26	45	such	such	ADJ
cjfa-63101	26	46	as	as	ADP
cjfa-63101	26	47	ghana	ghana	PROPN
cjfa-63101	26	48	is	be	AUX
cjfa-63101	26	49	limited	limited	ADJ
cjfa-63101	26	50	.	.	PUNCT
cjfa-63101	27	1	as	as	ADP
cjfa-63101	27	2	of	of	ADP
cjfa-63101	27	3	june	june	PROPN
cjfa-63101	27	4	2022	2022	NUM
cjfa-63101	27	5	,	,	PUNCT
cjfa-63101	27	6	only	only	ADV
cjfa-63101	27	7	52.76	52.76	NUM
cjfa-63101	27	8	%	%	NOUN
cjfa-63101	27	9	of	of	ADP
cjfa-63101	27	10	ghana	ghana	PROPN
cjfa-63101	27	11	’s	’s	PART
cjfa-63101	27	12	population	population	NOUN
cjfa-63101	27	13	had	have	VERB
cjfa-63101	27	14	access	access	NOUN
cjfa-63101	27	15	to	to	ADP
cjfa-63101	27	16	formal	formal	ADJ
cjfa-63101	27	17	financial	financial	ADJ
cjfa-63101	27	18	services	service	NOUN
cjfa-63101	27	19	(	(	PUNCT
cjfa-63101	27	20	sackitey	sackitey	PROPN
cjfa-63101	27	21	,	,	PUNCT
cjfa-63101	27	22	2024	2024	NUM
cjfa-63101	27	23	)	)	PUNCT
cjfa-63101	27	24	.	.	PUNCT
cjfa-63101	28	1	moreover	moreover	ADV
cjfa-63101	28	2	,	,	PUNCT
cjfa-63101	28	3	existing	exist	VERB
cjfa-63101	28	4	studies	study	NOUN
cjfa-63101	28	5	in	in	ADP
cjfa-63101	28	6	this	this	DET
cjfa-63101	28	7	field	field	NOUN
cjfa-63101	28	8	have	have	AUX
cjfa-63101	28	9	rarely	rarely	ADV
cjfa-63101	28	10	used	use	VERB
cjfa-63101	28	11	the	the	DET
cjfa-63101	28	12	quantile	quantile	ADJ
cjfa-63101	28	13	regression	regression	NOUN
cjfa-63101	28	14	approach	approach	NOUN
cjfa-63101	28	15	to	to	PART
cjfa-63101	28	16	analyze	analyze	VERB
cjfa-63101	28	17	this	this	DET
cjfa-63101	28	18	relationship	relationship	NOUN
cjfa-63101	28	19	.	.	PUNCT
cjfa-63101	29	1	feghali	feghali	PROPN
cjfa-63101	29	2	,	,	PUNCT
cjfa-63101	29	3	mora	mora	PROPN
cjfa-63101	29	4	and	and	CCONJ
cjfa-63101	29	5	nassif	nassif	NOUN
cjfa-63101	29	6	(	(	PUNCT
cjfa-63101	29	7	2021	2021	NUM
cjfa-63101	29	8	)	)	PUNCT
cjfa-63101	29	9	further	far	ADV
cjfa-63101	29	10	suggest	suggest	VERB
cjfa-63101	29	11	that	that	SCONJ
cjfa-63101	29	12	a	a	DET
cjfa-63101	29	13	general	general	ADJ
cjfa-63101	29	14	measure	measure	NOUN
cjfa-63101	29	15	of	of	ADP
cjfa-63101	29	16	inclusion	inclusion	NOUN
cjfa-63101	29	17	is	be	AUX
cjfa-63101	29	18	insufficient	insufficient	ADJ
cjfa-63101	29	19	to	to	PART
cjfa-63101	29	20	assess	assess	VERB
cjfa-63101	29	21	financial	financial	ADJ
cjfa-63101	29	22	inclusion	inclusion	NOUN
cjfa-63101	29	23	-	-	PUNCT
cjfa-63101	29	24	stability	stability	NOUN
cjfa-63101	29	25	effects	effect	NOUN
cjfa-63101	29	26	.	.	PUNCT
cjfa-63101	30	1	quantile	quantile	ADJ
cjfa-63101	30	2	regression	regression	NOUN
cjfa-63101	30	3	is	be	AUX
cjfa-63101	30	4	a	a	DET
cjfa-63101	30	5	crucial	crucial	ADJ
cjfa-63101	30	6	tool	tool	NOUN
cjfa-63101	30	7	for	for	ADP
cjfa-63101	30	8	studying	study	VERB
cjfa-63101	30	9	financial	financial	ADJ
cjfa-63101	30	10	inclusion	inclusion	NOUN
cjfa-63101	30	11	and	and	CCONJ
cjfa-63101	30	12	stability	stability	NOUN
cjfa-63101	30	13	,	,	PUNCT
cjfa-63101	30	14	because	because	SCONJ
cjfa-63101	30	15	it	it	PRON
cjfa-63101	30	16	enables	enable	VERB
cjfa-63101	30	17	the	the	DET
cjfa-63101	30	18	measurement	measurement	NOUN
cjfa-63101	30	19	and	and	CCONJ
cjfa-63101	30	20	analysis	analysis	NOUN
cjfa-63101	30	21	of	of	ADP
cjfa-63101	30	22	these	these	DET
cjfa-63101	30	23	concepts	concept	NOUN
cjfa-63101	30	24	financial	financial	ADJ
cjfa-63101	30	25	inclusion	inclusion	NOUN
cjfa-63101	30	26	towards	towards	ADP
cjfa-63101	30	27	financial	financial	ADJ
cjfa-63101	30	28	stability	stability	NOUN
cjfa-63101	30	29	in	in	ADP
cjfa-63101	30	30	ghana	ghana	PROPN
cjfa-63101	30	31	…	…	PUNCT
cjfa-63101	30	32	4949	4949	NUM
cjfa-63101	30	33	at	at	ADP
cjfa-63101	30	34	various	various	ADJ
cjfa-63101	30	35	quantiles	quantile	NOUN
cjfa-63101	30	36	.	.	PUNCT
cjfa-63101	31	1	specifically	specifically	ADV
cjfa-63101	31	2	,	,	PUNCT
cjfa-63101	31	3	it	it	PRON
cjfa-63101	31	4	allows	allow	VERB
cjfa-63101	31	5	for	for	ADP
cjfa-63101	31	6	a	a	DET
cjfa-63101	31	7	comprehensive	comprehensive	ADJ
cjfa-63101	31	8	assessment	assessment	NOUN
cjfa-63101	31	9	of	of	ADP
cjfa-63101	31	10	financial	financial	ADJ
cjfa-63101	31	11	stability	stability	NOUN
cjfa-63101	31	12	across	across	ADP
cjfa-63101	31	13	different	different	ADJ
cjfa-63101	31	14	levels	level	NOUN
cjfa-63101	31	15	of	of	ADP
cjfa-63101	31	16	financial	financial	ADJ
cjfa-63101	31	17	inclusion	inclusion	NOUN
cjfa-63101	31	18	(	(	PUNCT
cjfa-63101	31	19	olusegun	olusegun	PROPN
cjfa-63101	31	20	,	,	PUNCT
cjfa-63101	31	21	evbuomwan	evbuomwan	PROPN
cjfa-63101	31	22	&	&	CCONJ
cjfa-63101	31	23	belonwu	belonwu	PROPN
cjfa-63101	31	24	,	,	PUNCT
cjfa-63101	31	25	2021	2021	NUM
cjfa-63101	31	26	)	)	PUNCT
cjfa-63101	31	27	.	.	PUNCT
cjfa-63101	32	1	furthermore	furthermore	ADV
cjfa-63101	32	2	,	,	PUNCT
cjfa-63101	32	3	quantile	quantile	ADJ
cjfa-63101	32	4	regression	regression	NOUN
cjfa-63101	32	5	can	can	AUX
cjfa-63101	32	6	facilitate	facilitate	VERB
cjfa-63101	32	7	the	the	DET
cjfa-63101	32	8	examination	examination	NOUN
cjfa-63101	32	9	of	of	ADP
cjfa-63101	32	10	financial	financial	ADJ
cjfa-63101	32	11	inclusion	inclusion	NOUN
cjfa-63101	32	12	in	in	ADP
cjfa-63101	32	13	ghana	ghana	PROPN
cjfa-63101	32	14	at	at	ADP
cjfa-63101	32	15	diverse	diverse	ADJ
cjfa-63101	32	16	income	income	NOUN
cjfa-63101	32	17	-	-	PUNCT
cjfa-63101	32	18	level	level	NOUN
cjfa-63101	32	19	quantiles	quantile	NOUN
cjfa-63101	32	20	.	.	PUNCT
cjfa-63101	33	1	by	by	ADP
cjfa-63101	33	2	employing	employ	VERB
cjfa-63101	33	3	quantile	quantile	ADJ
cjfa-63101	33	4	regression	regression	NOUN
cjfa-63101	33	5	,	,	PUNCT
cjfa-63101	33	6	policymakers	policymaker	NOUN
cjfa-63101	33	7	and	and	CCONJ
cjfa-63101	33	8	stakeholders	stakeholder	NOUN
cjfa-63101	33	9	can	can	AUX
cjfa-63101	33	10	gain	gain	VERB
cjfa-63101	33	11	insights	insight	NOUN
cjfa-63101	33	12	into	into	ADP
cjfa-63101	33	13	the	the	DET
cjfa-63101	33	14	relationships	relationship	NOUN
cjfa-63101	33	15	,	,	PUNCT
cjfa-63101	33	16	dynamics	dynamic	NOUN
cjfa-63101	33	17	,	,	PUNCT
cjfa-63101	33	18	and	and	CCONJ
cjfa-63101	33	19	potential	potential	ADJ
cjfa-63101	33	20	disparities	disparity	NOUN
cjfa-63101	33	21	in	in	ADP
cjfa-63101	33	22	financial	financial	ADJ
cjfa-63101	33	23	inclusion	inclusion	NOUN
cjfa-63101	33	24	and	and	CCONJ
cjfa-63101	33	25	stability	stability	NOUN
cjfa-63101	33	26	across	across	ADP
cjfa-63101	33	27	various	various	ADJ
cjfa-63101	33	28	income	income	NOUN
cjfa-63101	33	29	segments	segment	NOUN
cjfa-63101	33	30	in	in	ADP
cjfa-63101	33	31	ghana	ghana	PROPN
cjfa-63101	33	32	(	(	PUNCT
cjfa-63101	33	33	ibrahim	ibrahim	PROPN
cjfa-63101	33	34	,	,	PUNCT
cjfa-63101	33	35	mazlina	mazlina	PROPN
cjfa-63101	33	36	,	,	PUNCT
cjfa-63101	33	37	az	az	PROPN
cjfa-63101	33	38	-	-	PUNCT
cjfa-63101	33	39	saini	saini	PROPN
cjfa-63101	33	40	&	&	CCONJ
cjfa-63101	33	41	zakaria	zakaria	PROPN
cjfa-63101	33	42	,	,	PUNCT
cjfa-63101	33	43	2016	2016	NUM
cjfa-63101	33	44	)	)	PUNCT
cjfa-63101	33	45	.	.	PUNCT
cjfa-63101	34	1	this	this	DET
cjfa-63101	34	2	approach	approach	NOUN
cjfa-63101	34	3	provides	provide	VERB
cjfa-63101	34	4	a	a	DET
cjfa-63101	34	5	different	different	ADJ
cjfa-63101	34	6	understanding	understanding	NOUN
cjfa-63101	34	7	of	of	ADP
cjfa-63101	34	8	the	the	DET
cjfa-63101	34	9	effect	effect	NOUN
cjfa-63101	34	10	of	of	ADP
cjfa-63101	34	11	income	income	NOUN
cjfa-63101	34	12	levels	level	NOUN
cjfa-63101	34	13	on	on	ADP
cjfa-63101	34	14	financial	financial	ADJ
cjfa-63101	34	15	inclusion	inclusion	NOUN
cjfa-63101	34	16	,	,	PUNCT
cjfa-63101	34	17	and	and	CCONJ
cjfa-63101	34	18	allows	allow	VERB
cjfa-63101	34	19	for	for	ADP
cjfa-63101	34	20	targeted	target	VERB
cjfa-63101	34	21	interventions	intervention	NOUN
cjfa-63101	34	22	that	that	PRON
cjfa-63101	34	23	can	can	AUX
cjfa-63101	34	24	help	help	VERB
cjfa-63101	34	25	promote	promote	VERB
cjfa-63101	34	26	inclusive	inclusive	ADJ
cjfa-63101	34	27	and	and	CCONJ
cjfa-63101	34	28	stable	stable	ADJ
cjfa-63101	34	29	financial	financial	ADJ
cjfa-63101	34	30	systems	system	NOUN
cjfa-63101	34	31	in	in	ADP
cjfa-63101	34	32	ghana	ghana	PROPN
cjfa-63101	34	33	.	.	PUNCT
cjfa-63101	35	1	thus	thus	ADV
cjfa-63101	35	2	,	,	PUNCT
cjfa-63101	35	3	a	a	DET
cjfa-63101	35	4	missing	miss	VERB
cjfa-63101	35	5	explanation	explanation	NOUN
cjfa-63101	35	6	in	in	ADP
cjfa-63101	35	7	empirical	empirical	ADJ
cjfa-63101	35	8	literature	literature	NOUN
cjfa-63101	35	9	is	be	AUX
cjfa-63101	35	10	that	that	SCONJ
cjfa-63101	35	11	financial	financial	ADJ
cjfa-63101	35	12	inclusion	inclusion	NOUN
cjfa-63101	35	13	affects	affect	VERB
cjfa-63101	35	14	stability	stability	NOUN
cjfa-63101	35	15	at	at	ADP
cjfa-63101	35	16	various	various	ADJ
cjfa-63101	35	17	levels	level	NOUN
cjfa-63101	35	18	of	of	ADP
cjfa-63101	35	19	financial	financial	ADJ
cjfa-63101	35	20	inclusivity	inclusivity	NOUN
cjfa-63101	35	21	.	.	PUNCT
cjfa-63101	36	1	consequently	consequently	ADV
cjfa-63101	36	2	,	,	PUNCT
cjfa-63101	36	3	this	this	DET
cjfa-63101	36	4	study	study	NOUN
cjfa-63101	36	5	analyzed	analyze	VERB
cjfa-63101	36	6	the	the	DET
cjfa-63101	36	7	following	following	NOUN
cjfa-63101	36	8	:	:	PUNCT
cjfa-63101	36	9	(	(	PUNCT
cjfa-63101	36	10	1	1	X
cjfa-63101	36	11	)	)	PUNCT
cjfa-63101	36	12	short	short	ADJ
cjfa-63101	36	13	-	-	PUNCT
cjfa-63101	36	14	run	run	VERB
cjfa-63101	36	15	financial	financial	ADJ
cjfa-63101	36	16	inclusion	inclusion	NOUN
cjfa-63101	36	17	–	–	PUNCT
cjfa-63101	36	18	financial	financial	ADJ
cjfa-63101	36	19	stability	stability	NOUN
cjfa-63101	36	20	relationship	relationship	NOUN
cjfa-63101	36	21	;	;	PUNCT
cjfa-63101	36	22	(	(	PUNCT
cjfa-63101	36	23	2	2	X
cjfa-63101	36	24	)	)	PUNCT
cjfa-63101	36	25	long	long	ADJ
cjfa-63101	36	26	-	-	PUNCT
cjfa-63101	36	27	run	run	VERB
cjfa-63101	36	28	financial	financial	ADJ
cjfa-63101	36	29	inclusion	inclusion	NOUN
cjfa-63101	36	30	–	–	PUNCT
cjfa-63101	36	31	financial	financial	ADJ
cjfa-63101	36	32	stability	stability	NOUN
cjfa-63101	36	33	relationship	relationship	NOUN
cjfa-63101	36	34	;	;	PUNCT
cjfa-63101	36	35	and	and	CCONJ
cjfa-63101	36	36	(	(	PUNCT
cjfa-63101	36	37	3	3	X
cjfa-63101	36	38	)	)	PUNCT
cjfa-63101	36	39	effect	effect	NOUN
cjfa-63101	36	40	of	of	ADP
cjfa-63101	36	41	financial	financial	ADJ
cjfa-63101	36	42	inclusion	inclusion	NOUN
cjfa-63101	36	43	on	on	ADP
cjfa-63101	36	44	financial	financial	ADJ
cjfa-63101	36	45	stability	stability	NOUN
cjfa-63101	36	46	at	at	ADP
cjfa-63101	36	47	different	different	ADJ
cjfa-63101	36	48	quantiles	quantile	NOUN
cjfa-63101	36	49	.	.	PUNCT
cjfa-63101	37	1	literature	literature	NOUN
cjfa-63101	37	2	reviewliterature	reviewliterature	NOUN
cjfa-63101	37	3	review	review	VERB
cjfa-63101	37	4	financial	financial	ADJ
cjfa-63101	37	5	inclusion	inclusion	NOUN
cjfa-63101	37	6	(	(	PUNCT
cjfa-63101	37	7	fi)financial	fi)financial	ADJ
cjfa-63101	37	8	inclusion	inclusion	NOUN
cjfa-63101	37	9	(	(	PUNCT
cjfa-63101	37	10	fi	fi	NOUN
cjfa-63101	37	11	)	)	PUNCT
cjfa-63101	37	12	financial	financial	ADJ
cjfa-63101	37	13	inclusion	inclusion	NOUN
cjfa-63101	37	14	,	,	PUNCT
cjfa-63101	37	15	defined	define	VERB
cjfa-63101	37	16	as	as	ADP
cjfa-63101	37	17	the	the	DET
cjfa-63101	37	18	percentage	percentage	NOUN
cjfa-63101	37	19	of	of	ADP
cjfa-63101	37	20	individuals	individual	NOUN
cjfa-63101	37	21	and	and	CCONJ
cjfa-63101	37	22	firms	firm	NOUN
cjfa-63101	37	23	using	use	VERB
cjfa-63101	37	24	financial	financial	ADJ
cjfa-63101	37	25	services	service	NOUN
cjfa-63101	37	26	,	,	PUNCT
cjfa-63101	37	27	has	have	AUX
cjfa-63101	37	28	garnered	garner	VERB
cjfa-63101	37	29	the	the	DET
cjfa-63101	37	30	interests	interest	NOUN
cjfa-63101	37	31	of	of	ADP
cjfa-63101	37	32	stakeholders	stakeholder	NOUN
cjfa-63101	37	33	,	,	PUNCT
cjfa-63101	37	34	scholars	scholar	NOUN
cjfa-63101	37	35	,	,	PUNCT
cjfa-63101	37	36	and	and	CCONJ
cjfa-63101	37	37	policymakers	policymaker	NOUN
cjfa-63101	37	38	.	.	PUNCT
cjfa-63101	38	1	a	a	DET
cjfa-63101	38	2	world	world	NOUN
cjfa-63101	38	3	bank	bank	NOUN
cjfa-63101	38	4	global	global	ADJ
cjfa-63101	38	5	payment	payment	NOUN
cjfa-63101	38	6	system	system	NOUN
cjfa-63101	38	7	survey	survey	NOUN
cjfa-63101	38	8	in	in	ADP
cjfa-63101	38	9	2021	2021	NUM
cjfa-63101	38	10	indicated	indicate	VERB
cjfa-63101	38	11	that	that	SCONJ
cjfa-63101	38	12	international	international	ADJ
cjfa-63101	38	13	forums	forum	NOUN
cjfa-63101	38	14	,	,	PUNCT
cjfa-63101	38	15	such	such	ADJ
cjfa-63101	38	16	as	as	ADP
cjfa-63101	38	17	g-20	g-20	NOUN
cjfa-63101	38	18	,	,	PUNCT
cjfa-63101	38	19	emphasize	emphasize	VERB
cjfa-63101	38	20	its	its	PRON
cjfa-63101	38	21	importance	importance	NOUN
cjfa-63101	38	22	for	for	ADP
cjfa-63101	38	23	social	social	ADJ
cjfa-63101	38	24	and	and	CCONJ
cjfa-63101	38	25	economic	economic	ADJ
cjfa-63101	38	26	development	development	NOUN
cjfa-63101	38	27	(	(	PUNCT
cjfa-63101	38	28	world	world	PROPN
cjfa-63101	38	29	bank	bank	PROPN
cjfa-63101	38	30	,	,	PUNCT
cjfa-63101	38	31	2021	2021	NUM
cjfa-63101	38	32	)	)	PUNCT
cjfa-63101	38	33	.	.	PUNCT
cjfa-63101	39	1	fifty	fifty	NUM
cjfa-63101	39	2	nations	nation	NOUN
cjfa-63101	39	3	have	have	AUX
cjfa-63101	39	4	recently	recently	ADV
cjfa-63101	39	5	established	establish	VERB
cjfa-63101	39	6	financial	financial	ADJ
cjfa-63101	39	7	inclusion	inclusion	NOUN
cjfa-63101	39	8	goals	goal	NOUN
cjfa-63101	39	9	,	,	PUNCT
cjfa-63101	39	10	recognizing	recognize	VERB
cjfa-63101	39	11	their	their	PRON
cjfa-63101	39	12	role	role	NOUN
cjfa-63101	39	13	in	in	ADP
cjfa-63101	39	14	reducing	reduce	VERB
cjfa-63101	39	15	poverty	poverty	NOUN
cjfa-63101	39	16	,	,	PUNCT
cjfa-63101	39	17	fostering	foster	VERB
cjfa-63101	39	18	prosperity	prosperity	NOUN
cjfa-63101	39	19	,	,	PUNCT
cjfa-63101	39	20	and	and	CCONJ
cjfa-63101	39	21	promoting	promote	VERB
cjfa-63101	39	22	sustainable	sustainable	ADJ
cjfa-63101	39	23	development	development	NOUN
cjfa-63101	39	24	.	.	PUNCT
cjfa-63101	40	1	in	in	ADP
cjfa-63101	40	2	2016	2016	NUM
cjfa-63101	40	3	,	,	PUNCT
cjfa-63101	40	4	the	the	DET
cjfa-63101	40	5	world	world	PROPN
cjfa-63101	40	6	bank	bank	PROPN
cjfa-63101	40	7	noted	note	VERB
cjfa-63101	40	8	that	that	SCONJ
cjfa-63101	40	9	over	over	ADP
cjfa-63101	40	10	2.5	2.5	NUM
cjfa-63101	40	11	billion	billion	NUM
cjfa-63101	40	12	people	people	NOUN
cjfa-63101	40	13	lacked	lack	VERB
cjfa-63101	40	14	formal	formal	ADJ
cjfa-63101	40	15	financial	financial	ADJ
cjfa-63101	40	16	accounts	account	NOUN
cjfa-63101	40	17	,	,	PUNCT
cjfa-63101	40	18	with	with	ADP
cjfa-63101	40	19	half	half	DET
cjfa-63101	40	20	the	the	DET
cjfa-63101	40	21	adult	adult	NOUN
cjfa-63101	40	22	population	population	NOUN
cjfa-63101	40	23	without	without	ADP
cjfa-63101	40	24	financial	financial	ADJ
cjfa-63101	40	25	services	service	NOUN
cjfa-63101	40	26	,	,	PUNCT
cjfa-63101	40	27	revealing	reveal	VERB
cjfa-63101	40	28	significant	significant	ADJ
cjfa-63101	40	29	access	access	NOUN
cjfa-63101	40	30	gaps	gap	NOUN
cjfa-63101	40	31	(	(	PUNCT
cjfa-63101	40	32	world	world	NOUN
cjfa-63101	40	33	bank	bank	NOUN
cjfa-63101	40	34	,	,	PUNCT
cjfa-63101	40	35	2021	2021	NUM
cjfa-63101	40	36	)	)	PUNCT
cjfa-63101	40	37	.	.	PUNCT
cjfa-63101	41	1	consequently	consequently	ADV
cjfa-63101	41	2	,	,	PUNCT
cjfa-63101	41	3	poor	poor	ADJ
cjfa-63101	41	4	families	family	NOUN
cjfa-63101	41	5	often	often	ADV
cjfa-63101	41	6	rely	rely	VERB
cjfa-63101	41	7	on	on	ADP
cjfa-63101	41	8	informal	informal	ADJ
cjfa-63101	41	9	sources	source	NOUN
cjfa-63101	41	10	such	such	ADJ
cjfa-63101	41	11	as	as	ADP
cjfa-63101	41	12	friends	friend	NOUN
cjfa-63101	41	13	,	,	PUNCT
cjfa-63101	41	14	relatives	relative	NOUN
cjfa-63101	41	15	,	,	PUNCT
cjfa-63101	41	16	savings	saving	NOUN
cjfa-63101	41	17	plans	plan	NOUN
cjfa-63101	41	18	,	,	PUNCT
cjfa-63101	41	19	moneylenders	moneylender	NOUN
cjfa-63101	41	20	,	,	PUNCT
cjfa-63101	41	21	and	and	CCONJ
cjfa-63101	41	22	cash	cash	NOUN
cjfa-63101	41	23	.	.	PUNCT
cjfa-63101	42	1	financial	financial	ADJ
cjfa-63101	42	2	inclusion	inclusion	NOUN
cjfa-63101	42	3	,	,	PUNCT
cjfa-63101	42	4	often	often	ADV
cjfa-63101	42	5	associated	associate	VERB
cjfa-63101	42	6	with	with	ADP
cjfa-63101	42	7	access	access	NOUN
cjfa-63101	42	8	to	to	ADP
cjfa-63101	42	9	credit	credit	NOUN
cjfa-63101	42	10	from	from	ADP
cjfa-63101	42	11	official	official	ADJ
cjfa-63101	42	12	institutions	institution	NOUN
cjfa-63101	42	13	,	,	PUNCT
cjfa-63101	42	14	has	have	VERB
cjfa-63101	42	15	various	various	ADJ
cjfa-63101	42	16	dimensions	dimension	NOUN
cjfa-63101	42	17	that	that	PRON
cjfa-63101	42	18	influence	influence	VERB
cjfa-63101	42	19	financial	financial	ADJ
cjfa-63101	42	20	attitudes	attitude	NOUN
cjfa-63101	42	21	(	(	PUNCT
cjfa-63101	42	22	babatunde	babatunde	NOUN
cjfa-63101	42	23	,	,	PUNCT
cjfa-63101	42	24	2024	2024	NUM
cjfa-63101	42	25	;	;	PUNCT
cjfa-63101	42	26	kamal	kamal	PROPN
cjfa-63101	42	27	,	,	PUNCT
cjfa-63101	42	28	hussain	hussain	PROPN
cjfa-63101	42	29	&	&	CCONJ
cjfa-63101	42	30	khan	khan	PROPN
cjfa-63101	42	31	,	,	PUNCT
cjfa-63101	42	32	2021	2021	NUM
cjfa-63101	42	33	)	)	PUNCT
cjfa-63101	42	34	.	.	PUNCT
cjfa-63101	43	1	formal	formal	ADJ
cjfa-63101	43	2	accounts	account	NOUN
cjfa-63101	43	3	,	,	PUNCT
cjfa-63101	43	4	including	include	VERB
cjfa-63101	43	5	deposits	deposit	NOUN
cjfa-63101	43	6	and	and	CCONJ
cjfa-63101	43	7	philomina	philomina	VERB
cjfa-63101	43	8	maku	maku	PROPN
cjfa-63101	43	9	narh	narh	PROPN
cjfa-63101	43	10	,	,	PUNCT
cjfa-63101	43	11	collins	collins	PROPN
cjfa-63101	43	12	dodzi	dodzi	VERB
cjfa-63101	43	13	dzitse5050	dzitse5050	PROPN
cjfa-63101	43	14	loans	loan	NOUN
cjfa-63101	43	15	,	,	PUNCT
cjfa-63101	43	16	can	can	AUX
cjfa-63101	43	17	be	be	AUX
cjfa-63101	43	18	assessed	assess	VERB
cjfa-63101	43	19	on	on	ADP
cjfa-63101	43	20	the	the	DET
cjfa-63101	43	21	basis	basis	NOUN
cjfa-63101	43	22	of	of	ADP
cjfa-63101	43	23	purpose	purpose	NOUN
cjfa-63101	43	24	,	,	PUNCT
cjfa-63101	43	25	access	access	NOUN
cjfa-63101	43	26	type	type	NOUN
cjfa-63101	43	27	,	,	PUNCT
cjfa-63101	43	28	and	and	CCONJ
cjfa-63101	43	29	usage	usage	NOUN
cjfa-63101	43	30	frequency	frequency	NOUN
cjfa-63101	43	31	.	.	PUNCT
cjfa-63101	44	1	alternatives	alternative	NOUN
cjfa-63101	44	2	include	include	VERB
cjfa-63101	44	3	mobile	mobile	ADJ
cjfa-63101	44	4	money	money	NOUN
cjfa-63101	44	5	and	and	CCONJ
cjfa-63101	44	6	insurance	insurance	NOUN
cjfa-63101	44	7	services	service	NOUN
cjfa-63101	44	8	in	in	ADP
cjfa-63101	44	9	agriculture	agriculture	NOUN
cjfa-63101	44	10	and	and	CCONJ
cjfa-63101	44	11	health	health	NOUN
cjfa-63101	44	12	(	(	PUNCT
cjfa-63101	44	13	demirgüç	demirgüç	PROPN
cjfa-63101	44	14	-	-	PUNCT
cjfa-63101	44	15	kunt	kunt	PROPN
cjfa-63101	44	16	&	&	CCONJ
cjfa-63101	44	17	klapper	klapper	PROPN
cjfa-63101	44	18	,	,	PUNCT
cjfa-63101	44	19	2012	2012	NUM
cjfa-63101	44	20	)	)	PUNCT
cjfa-63101	44	21	.	.	PUNCT
cjfa-63101	45	1	financial	financial	ADJ
cjfa-63101	45	2	exclusion	exclusion	NOUN
cjfa-63101	45	3	imposes	impose	VERB
cjfa-63101	45	4	high	high	ADJ
cjfa-63101	45	5	costs	cost	NOUN
cjfa-63101	45	6	on	on	ADP
cjfa-63101	45	7	those	those	PRON
cjfa-63101	45	8	in	in	ADP
cjfa-63101	45	9	need	need	NOUN
cjfa-63101	45	10	(	(	PUNCT
cjfa-63101	45	11	cull	cull	NOUN
cjfa-63101	45	12	,	,	PUNCT
cjfa-63101	45	13	ehrbeck	ehrbeck	NOUN
cjfa-63101	45	14	&	&	CCONJ
cjfa-63101	45	15	holle	holle	NOUN
cjfa-63101	45	16	,	,	PUNCT
cjfa-63101	45	17	2014	2014	NUM
cjfa-63101	45	18	)	)	PUNCT
cjfa-63101	45	19	.	.	PUNCT
cjfa-63101	46	1	in	in	ADP
cjfa-63101	46	2	regions	region	NOUN
cjfa-63101	46	3	such	such	ADJ
cjfa-63101	46	4	as	as	ADP
cjfa-63101	46	5	ghana	ghana	PROPN
cjfa-63101	46	6	and	and	CCONJ
cjfa-63101	46	7	sub	sub	ADJ
cjfa-63101	46	8	-	-	ADJ
cjfa-63101	46	9	saharan	saharan	ADJ
cjfa-63101	46	10	africa	africa	PROPN
cjfa-63101	46	11	(	(	PUNCT
cjfa-63101	46	12	ssa	ssa	PROPN
cjfa-63101	46	13	)	)	PUNCT
cjfa-63101	46	14	,	,	PUNCT
cjfa-63101	46	15	financial	financial	ADJ
cjfa-63101	46	16	inclusion	inclusion	NOUN
cjfa-63101	46	17	is	be	AUX
cjfa-63101	46	18	crucial	crucial	ADJ
cjfa-63101	46	19	for	for	ADP
cjfa-63101	46	20	reducing	reduce	VERB
cjfa-63101	46	21	dependence	dependence	NOUN
cjfa-63101	46	22	on	on	ADP
cjfa-63101	46	23	informal	informal	ADJ
cjfa-63101	46	24	loans	loan	NOUN
cjfa-63101	46	25	and	and	CCONJ
cjfa-63101	46	26	enabling	enable	VERB
cjfa-63101	46	27	savings	saving	NOUN
cjfa-63101	46	28	(	(	PUNCT
cjfa-63101	46	29	kamara	kamara	NOUN
cjfa-63101	46	30	,	,	PUNCT
cjfa-63101	46	31	2024	2024	NUM
cjfa-63101	46	32	)	)	PUNCT
cjfa-63101	46	33	,	,	PUNCT
cjfa-63101	46	34	with	with	ADP
cjfa-63101	46	35	reliable	reliable	ADJ
cjfa-63101	46	36	rural	rural	ADJ
cjfa-63101	46	37	financial	financial	ADJ
cjfa-63101	46	38	services	service	NOUN
cjfa-63101	46	39	essential	essential	ADJ
cjfa-63101	46	40	for	for	ADP
cjfa-63101	46	41	economic	economic	ADJ
cjfa-63101	46	42	growth	growth	NOUN
cjfa-63101	46	43	and	and	CCONJ
cjfa-63101	46	44	supporting	support	VERB
cjfa-63101	46	45	rural	rural	ADJ
cjfa-63101	46	46	livelihoods	livelihood	NOUN
cjfa-63101	46	47	.	.	PUNCT
cjfa-63101	47	1	financial	financial	ADJ
cjfa-63101	47	2	stability	stability	NOUN
cjfa-63101	47	3	(	(	PUNCT
cjfa-63101	47	4	fs)financial	fs)financial	ADJ
cjfa-63101	47	5	stability	stability	NOUN
cjfa-63101	47	6	(	(	PUNCT
cjfa-63101	47	7	fs	fs	PROPN
cjfa-63101	47	8	)	)	PUNCT
cjfa-63101	47	9	the	the	DET
cjfa-63101	47	10	world	world	PROPN
cjfa-63101	47	11	bank	bank	PROPN
cjfa-63101	47	12	defines	define	VERB
cjfa-63101	47	13	financial	financial	ADJ
cjfa-63101	47	14	stability	stability	NOUN
cjfa-63101	47	15	as	as	ADP
cjfa-63101	47	16	the	the	DET
cjfa-63101	47	17	absence	absence	NOUN
cjfa-63101	47	18	of	of	ADP
cjfa-63101	47	19	a	a	DET
cjfa-63101	47	20	systemic	systemic	ADJ
cjfa-63101	47	21	failure	failure	NOUN
cjfa-63101	47	22	in	in	ADP
cjfa-63101	47	23	the	the	DET
cjfa-63101	47	24	financial	financial	ADJ
cjfa-63101	47	25	system	system	NOUN
cjfa-63101	47	26	,	,	PUNCT
cjfa-63101	47	27	signifying	signify	VERB
cjfa-63101	47	28	resilience	resilience	NOUN
cjfa-63101	47	29	to	to	ADP
cjfa-63101	47	30	stress	stress	NOUN
cjfa-63101	47	31	.	.	PUNCT
cjfa-63101	48	1	it	it	PRON
cjfa-63101	48	2	involves	involve	VERB
cjfa-63101	48	3	smooth	smooth	ADJ
cjfa-63101	48	4	operation	operation	NOUN
cjfa-63101	48	5	of	of	ADP
cjfa-63101	48	6	the	the	DET
cjfa-63101	48	7	system	system	NOUN
cjfa-63101	48	8	,	,	PUNCT
cjfa-63101	48	9	with	with	ADP
cjfa-63101	48	10	effective	effective	ADJ
cjfa-63101	48	11	monitoring	monitoring	NOUN
cjfa-63101	48	12	and	and	CCONJ
cjfa-63101	48	13	management	management	NOUN
cjfa-63101	48	14	of	of	ADP
cjfa-63101	48	15	financial	financial	ADJ
cjfa-63101	48	16	risks	risk	NOUN
cjfa-63101	48	17	to	to	PART
cjfa-63101	48	18	prevent	prevent	VERB
cjfa-63101	48	19	crises	crisis	NOUN
cjfa-63101	48	20	(	(	PUNCT
cjfa-63101	48	21	babar	babar	NOUN
cjfa-63101	48	22	,	,	PUNCT
cjfa-63101	48	23	latief	latief	NOUN
cjfa-63101	48	24	,	,	PUNCT
cjfa-63101	48	25	ashraf	ashraf	PROPN
cjfa-63101	48	26	&	&	CCONJ
cjfa-63101	48	27	nawaz	nawaz	NOUN
cjfa-63101	48	28	,	,	PUNCT
cjfa-63101	48	29	2019	2019	NUM
cjfa-63101	48	30	)	)	PUNCT
cjfa-63101	48	31	.	.	PUNCT
cjfa-63101	49	1	to	to	PART
cjfa-63101	49	2	grow	grow	VERB
cjfa-63101	49	3	their	their	PRON
cjfa-63101	49	4	financial	financial	ADJ
cjfa-63101	49	5	and	and	CCONJ
cjfa-63101	49	6	economic	economic	ADJ
cjfa-63101	49	7	sectors	sector	NOUN
cjfa-63101	49	8	,	,	PUNCT
cjfa-63101	49	9	countries	country	NOUN
cjfa-63101	49	10	enhance	enhance	VERB
cjfa-63101	49	11	their	their	PRON
cjfa-63101	49	12	financial	financial	ADJ
cjfa-63101	49	13	inclusion	inclusion	NOUN
cjfa-63101	49	14	and	and	CCONJ
cjfa-63101	49	15	provide	provide	VERB
cjfa-63101	49	16	access	access	NOUN
cjfa-63101	49	17	to	to	ADP
cjfa-63101	49	18	financial	financial	ADJ
cjfa-63101	49	19	services	service	NOUN
cjfa-63101	49	20	(	(	PUNCT
cjfa-63101	49	21	anthony	anthony	NOUN
cjfa-63101	49	22	-	-	PUNCT
cjfa-63101	49	23	orji	orji	PROPN
cjfa-63101	49	24	,	,	PUNCT
cjfa-63101	49	25	orji	orji	PROPN
cjfa-63101	49	26	,	,	PUNCT
cjfa-63101	49	27	ogbuabor	ogbuabor	NOUN
cjfa-63101	49	28	,	,	PUNCT
cjfa-63101	49	29	mba	mba	PROPN
cjfa-63101	49	30	&	&	CCONJ
cjfa-63101	49	31	onwe	onwe	PROPN
cjfa-63101	49	32	,	,	PUNCT
cjfa-63101	49	33	2021	2021	NUM
cjfa-63101	49	34	)	)	PUNCT
cjfa-63101	49	35	.	.	PUNCT
cjfa-63101	50	1	le	le	PROPN
cjfa-63101	50	2	,	,	PUNCT
cjfa-63101	50	3	chuc	chuc	NOUN
cjfa-63101	50	4	and	and	CCONJ
cjfa-63101	50	5	taghizadeh	taghizadeh	NOUN
cjfa-63101	50	6	-	-	PUNCT
cjfa-63101	50	7	hesary	hesary	ADJ
cjfa-63101	50	8	(	(	PUNCT
cjfa-63101	50	9	2019	2019	NUM
cjfa-63101	50	10	)	)	PUNCT
cjfa-63101	50	11	highlight	highlight	VERB
cjfa-63101	50	12	that	that	SCONJ
cjfa-63101	50	13	financial	financial	ADJ
cjfa-63101	50	14	inclusion	inclusion	NOUN
cjfa-63101	50	15	offers	offer	VERB
cjfa-63101	50	16	affordable	affordable	ADJ
cjfa-63101	50	17	,	,	PUNCT
cjfa-63101	50	18	need	need	NOUN
cjfa-63101	50	19	-	-	PUNCT
cjfa-63101	50	20	based	base	VERB
cjfa-63101	50	21	financial	financial	ADJ
cjfa-63101	50	22	services	service	NOUN
cjfa-63101	50	23	.	.	PUNCT
cjfa-63101	51	1	interest	interest	NOUN
cjfa-63101	51	2	in	in	ADP
cjfa-63101	51	3	financial	financial	ADJ
cjfa-63101	51	4	stability	stability	NOUN
cjfa-63101	51	5	intensified	intensify	VERB
cjfa-63101	51	6	among	among	ADP
cjfa-63101	51	7	academics	academic	NOUN
cjfa-63101	51	8	and	and	CCONJ
cjfa-63101	51	9	policymakers	policymaker	NOUN
cjfa-63101	51	10	during	during	ADP
cjfa-63101	51	11	the	the	DET
cjfa-63101	51	12	2007–2009	2007–2009	NUM
cjfa-63101	51	13	economic	economic	ADJ
cjfa-63101	51	14	crisis	crisis	NOUN
cjfa-63101	51	15	,	,	PUNCT
cjfa-63101	51	16	and	and	CCONJ
cjfa-63101	51	17	resurfaced	resurface	VERB
cjfa-63101	51	18	during	during	ADP
cjfa-63101	51	19	the	the	DET
cjfa-63101	51	20	covid-19	covid-19	PROPN
cjfa-63101	51	21	pandemic	pandemic	ADJ
cjfa-63101	51	22	(	(	PUNCT
cjfa-63101	51	23	2019–2021	2019–2021	NUM
cjfa-63101	51	24	)	)	PUNCT
cjfa-63101	51	25	,	,	PUNCT
cjfa-63101	51	26	causing	cause	VERB
cjfa-63101	51	27	another	another	DET
cjfa-63101	51	28	global	global	ADJ
cjfa-63101	51	29	financial	financial	ADJ
cjfa-63101	51	30	crisis	crisis	NOUN
cjfa-63101	51	31	.	.	PUNCT
cjfa-63101	52	1	research	research	NOUN
cjfa-63101	52	2	shows	show	VERB
cjfa-63101	52	3	that	that	SCONJ
cjfa-63101	52	4	financial	financial	ADJ
cjfa-63101	52	5	stability	stability	NOUN
cjfa-63101	52	6	is	be	AUX
cjfa-63101	52	7	vital	vital	ADJ
cjfa-63101	52	8	for	for	ADP
cjfa-63101	52	9	a	a	DET
cjfa-63101	52	10	country	country	NOUN
cjfa-63101	52	11	’s	’s	PART
cjfa-63101	52	12	development	development	NOUN
cjfa-63101	52	13	and	and	CCONJ
cjfa-63101	52	14	sustainability	sustainability	NOUN
cjfa-63101	52	15	(	(	PUNCT
cjfa-63101	52	16	kamal	kamal	PROPN
cjfa-63101	52	17	et	et	PROPN
cjfa-63101	52	18	al	al	PROPN
cjfa-63101	52	19	.	.	PROPN
cjfa-63101	52	20	,	,	PUNCT
cjfa-63101	52	21	2021	2021	NUM
cjfa-63101	52	22	)	)	PUNCT
cjfa-63101	52	23	.	.	PUNCT
cjfa-63101	53	1	financial	financial	ADJ
cjfa-63101	53	2	inclusion	inclusion	NOUN
cjfa-63101	53	3	and	and	CCONJ
cjfa-63101	53	4	financial	financial	ADJ
cjfa-63101	53	5	stabilityfinancial	stabilityfinancial	ADJ
cjfa-63101	53	6	inclusion	inclusion	NOUN
cjfa-63101	53	7	and	and	CCONJ
cjfa-63101	53	8	financial	financial	ADJ
cjfa-63101	53	9	stability	stability	NOUN
cjfa-63101	53	10	frequent	frequent	ADJ
cjfa-63101	53	11	inquiries	inquiry	NOUN
cjfa-63101	53	12	suggest	suggest	VERB
cjfa-63101	53	13	that	that	SCONJ
cjfa-63101	53	14	financial	financial	ADJ
cjfa-63101	53	15	inclusion	inclusion	NOUN
cjfa-63101	53	16	enhances	enhance	VERB
cjfa-63101	53	17	financial	financial	ADJ
cjfa-63101	53	18	stability	stability	NOUN
cjfa-63101	53	19	.	.	PUNCT
cjfa-63101	54	1	anthony	anthony	PROPN
cjfa-63101	54	2	-	-	PUNCT
cjfa-63101	54	3	orji	orji	PROPN
cjfa-63101	54	4	et	et	PROPN
cjfa-63101	54	5	al	al	PROPN
cjfa-63101	54	6	.	.	PROPN
cjfa-63101	54	7	(	(	PUNCT
cjfa-63101	54	8	2021	2021	NUM
cjfa-63101	54	9	)	)	PUNCT
cjfa-63101	54	10	assert	assert	VERB
cjfa-63101	54	11	that	that	SCONJ
cjfa-63101	54	12	diversifying	diversify	VERB
cjfa-63101	54	13	bank	bank	NOUN
cjfa-63101	54	14	assets	asset	NOUN
cjfa-63101	54	15	reduces	reduce	VERB
cjfa-63101	54	16	risk	risk	NOUN
cjfa-63101	54	17	and	and	CCONJ
cjfa-63101	54	18	bolsters	bolster	VERB
cjfa-63101	54	19	resilience	resilience	NOUN
cjfa-63101	54	20	.	.	PUNCT
cjfa-63101	55	1	atellu	atellu	NOUN
cjfa-63101	55	2	and	and	CCONJ
cjfa-63101	55	3	sule	sule	NOUN
cjfa-63101	55	4	(	(	PUNCT
cjfa-63101	55	5	2019	2019	NUM
cjfa-63101	55	6	)	)	PUNCT
cjfa-63101	55	7	find	find	VERB
cjfa-63101	55	8	that	that	SCONJ
cjfa-63101	55	9	greater	great	ADJ
cjfa-63101	55	10	access	access	NOUN
cjfa-63101	55	11	to	to	ADP
cjfa-63101	55	12	financial	financial	ADJ
cjfa-63101	55	13	services	service	NOUN
cjfa-63101	55	14	strengthens	strengthen	VERB
cjfa-63101	55	15	the	the	DET
cjfa-63101	55	16	deposit	deposit	NOUN
cjfa-63101	55	17	base	base	NOUN
cjfa-63101	55	18	and	and	CCONJ
cjfa-63101	55	19	stabilizes	stabilize	VERB
cjfa-63101	55	20	financial	financial	ADJ
cjfa-63101	55	21	institutions	institution	NOUN
cjfa-63101	55	22	.	.	PUNCT
cjfa-63101	56	1	financial	financial	ADJ
cjfa-63101	56	2	inclusion	inclusion	NOUN
cjfa-63101	56	3	improves	improve	VERB
cjfa-63101	56	4	monetary	monetary	ADJ
cjfa-63101	56	5	policy	policy	NOUN
cjfa-63101	56	6	transmission	transmission	NOUN
cjfa-63101	56	7	,	,	PUNCT
cjfa-63101	56	8	reduces	reduce	VERB
cjfa-63101	56	9	credit	credit	NOUN
cjfa-63101	56	10	risk	risk	NOUN
cjfa-63101	56	11	and	and	CCONJ
cjfa-63101	56	12	default	default	NOUN
cjfa-63101	56	13	likelihood	likelihood	NOUN
cjfa-63101	56	14	,	,	PUNCT
cjfa-63101	56	15	promotes	promote	VERB
cjfa-63101	56	16	economic	economic	ADJ
cjfa-63101	56	17	activities	activity	NOUN
cjfa-63101	56	18	,	,	PUNCT
cjfa-63101	56	19	enhances	enhance	VERB
cjfa-63101	56	20	risk	risk	NOUN
cjfa-63101	56	21	management	management	NOUN
cjfa-63101	56	22	,	,	PUNCT
cjfa-63101	56	23	and	and	CCONJ
cjfa-63101	56	24	positively	positively	ADV
cjfa-63101	56	25	impacts	impact	VERB
cjfa-63101	56	26	socioeconomic	socioeconomic	ADJ
cjfa-63101	56	27	well	well	ADV
cjfa-63101	56	28	-	-	PUNCT
cjfa-63101	56	29	being	being	NOUN
cjfa-63101	56	30	in	in	ADP
cjfa-63101	56	31	developing	develop	VERB
cjfa-63101	56	32	countries	country	NOUN
cjfa-63101	56	33	(	(	PUNCT
cjfa-63101	56	34	antwi	antwi	PROPN
cjfa-63101	56	35	,	,	PUNCT
cjfa-63101	56	36	kong	kong	PROPN
cjfa-63101	56	37	&	&	CCONJ
cjfa-63101	56	38	gyimah	gyimah	PROPN
cjfa-63101	56	39	,	,	PUNCT
cjfa-63101	56	40	2024	2024	NUM
cjfa-63101	56	41	;	;	PUNCT
cjfa-63101	56	42	yangdol	yangdol	PROPN
cjfa-63101	56	43	&	&	CCONJ
cjfa-63101	56	44	sarma	sarma	PROPN
cjfa-63101	56	45	,	,	PUNCT
cjfa-63101	56	46	2019	2019	NUM
cjfa-63101	56	47	)	)	PUNCT
cjfa-63101	56	48	.	.	PUNCT
cjfa-63101	57	1	financial	financial	ADJ
cjfa-63101	57	2	inclusion	inclusion	NOUN
cjfa-63101	57	3	plays	play	VERB
cjfa-63101	57	4	a	a	DET
cjfa-63101	57	5	vital	vital	ADJ
cjfa-63101	57	6	role	role	NOUN
cjfa-63101	57	7	in	in	ADP
cjfa-63101	57	8	economic	economic	ADJ
cjfa-63101	57	9	growth	growth	NOUN
cjfa-63101	57	10	(	(	PUNCT
cjfa-63101	57	11	ahamed	ahamed	PROPN
cjfa-63101	57	12	&	&	CCONJ
cjfa-63101	57	13	mallick	mallick	PROPN
cjfa-63101	57	14	,	,	PUNCT
cjfa-63101	57	15	2019	2019	NUM
cjfa-63101	57	16	)	)	PUNCT
cjfa-63101	57	17	.	.	PUNCT
cjfa-63101	58	1	however	however	ADV
cjfa-63101	58	2	,	,	PUNCT
cjfa-63101	58	3	financial	financial	ADJ
cjfa-63101	58	4	inclusion	inclusion	NOUN
cjfa-63101	58	5	towards	towards	ADP
cjfa-63101	58	6	financial	financial	ADJ
cjfa-63101	58	7	stability	stability	NOUN
cjfa-63101	58	8	in	in	ADP
cjfa-63101	58	9	ghana	ghana	PROPN
cjfa-63101	58	10	…	…	PUNCT
cjfa-63101	58	11	5151	5151	NUM
cjfa-63101	58	12	some	some	PRON
cjfa-63101	58	13	argue	argue	VERB
cjfa-63101	58	14	that	that	SCONJ
cjfa-63101	58	15	it	it	PRON
cjfa-63101	58	16	may	may	AUX
cjfa-63101	58	17	lower	lower	VERB
cjfa-63101	58	18	lending	lending	NOUN
cjfa-63101	58	19	criteria	criterion	NOUN
cjfa-63101	58	20	,	,	PUNCT
cjfa-63101	58	21	contributing	contribute	VERB
cjfa-63101	58	22	to	to	ADP
cjfa-63101	58	23	financial	financial	ADJ
cjfa-63101	58	24	crises	crisis	NOUN
cjfa-63101	58	25	(	(	PUNCT
cjfa-63101	58	26	camara	camara	PROPN
cjfa-63101	58	27	&	&	CCONJ
cjfa-63101	58	28	diallo	diallo	PROPN
cjfa-63101	58	29	,	,	PUNCT
cjfa-63101	58	30	2020	2020	NUM
cjfa-63101	58	31	)	)	PUNCT
cjfa-63101	58	32	.	.	PUNCT
cjfa-63101	59	1	neaime	neaime	NOUN
cjfa-63101	59	2	and	and	CCONJ
cjfa-63101	59	3	gaysset	gaysset	PROPN
cjfa-63101	59	4	(	(	PUNCT
cjfa-63101	59	5	2018	2018	NUM
cjfa-63101	59	6	)	)	PUNCT
cjfa-63101	59	7	found	find	VERB
cjfa-63101	59	8	a	a	DET
cjfa-63101	59	9	positive	positive	ADJ
cjfa-63101	59	10	correlation	correlation	NOUN
cjfa-63101	59	11	between	between	ADP
cjfa-63101	59	12	financial	financial	ADJ
cjfa-63101	59	13	stability	stability	NOUN
cjfa-63101	59	14	and	and	CCONJ
cjfa-63101	59	15	the	the	DET
cjfa-63101	59	16	number	number	NOUN
cjfa-63101	59	17	of	of	ADP
cjfa-63101	59	18	banks	bank	NOUN
cjfa-63101	59	19	,	,	PUNCT
cjfa-63101	59	20	challenging	challenge	VERB
cjfa-63101	59	21	the	the	DET
cjfa-63101	59	22	notion	notion	NOUN
cjfa-63101	59	23	that	that	SCONJ
cjfa-63101	59	24	increased	increase	VERB
cjfa-63101	59	25	financial	financial	ADJ
cjfa-63101	59	26	inclusion	inclusion	NOUN
cjfa-63101	59	27	is	be	AUX
cjfa-63101	59	28	risky	risky	ADJ
cjfa-63101	59	29	.	.	PUNCT
cjfa-63101	60	1	effective	effective	ADJ
cjfa-63101	60	2	regulatory	regulatory	ADJ
cjfa-63101	60	3	frameworks	framework	NOUN
cjfa-63101	60	4	are	be	AUX
cjfa-63101	60	5	crucial	crucial	ADJ
cjfa-63101	60	6	because	because	SCONJ
cjfa-63101	60	7	inadequate	inadequate	ADJ
cjfa-63101	60	8	regulation	regulation	NOUN
cjfa-63101	60	9	can	can	AUX
cjfa-63101	60	10	lead	lead	VERB
cjfa-63101	60	11	to	to	ADP
cjfa-63101	60	12	negative	negative	ADJ
cjfa-63101	60	13	outcomes	outcome	NOUN
cjfa-63101	60	14	(	(	PUNCT
cjfa-63101	60	15	kamal	kamal	PROPN
cjfa-63101	60	16	et	et	PROPN
cjfa-63101	60	17	al	al	PROPN
cjfa-63101	60	18	.	.	PROPN
cjfa-63101	60	19	,	,	PUNCT
cjfa-63101	60	20	2021	2021	NUM
cjfa-63101	60	21	)	)	PUNCT
cjfa-63101	60	22	.	.	PUNCT
cjfa-63101	61	1	balanced	balanced	ADJ
cjfa-63101	61	2	regulations	regulation	NOUN
cjfa-63101	61	3	are	be	AUX
cjfa-63101	61	4	essential	essential	ADJ
cjfa-63101	61	5	to	to	PART
cjfa-63101	61	6	maximize	maximize	VERB
cjfa-63101	61	7	the	the	DET
cjfa-63101	61	8	benefits	benefit	NOUN
cjfa-63101	61	9	of	of	ADP
cjfa-63101	61	10	financial	financial	ADJ
cjfa-63101	61	11	inclusion	inclusion	NOUN
cjfa-63101	61	12	while	while	SCONJ
cjfa-63101	61	13	mitigating	mitigate	VERB
cjfa-63101	61	14	risks	risk	NOUN
cjfa-63101	61	15	.	.	PUNCT
cjfa-63101	62	1	feghali	feghali	PROPN
cjfa-63101	62	2	et	et	PROPN
cjfa-63101	62	3	al	al	PROPN
cjfa-63101	62	4	.	.	PROPN
cjfa-63101	63	1	(	(	PUNCT
cjfa-63101	63	2	2021	2021	NUM
cjfa-63101	63	3	)	)	PUNCT
cjfa-63101	63	4	support	support	VERB
cjfa-63101	63	5	the	the	DET
cjfa-63101	63	6	findings	finding	NOUN
cjfa-63101	63	7	of	of	ADP
cjfa-63101	63	8	ahamed	ahamed	PROPN
cjfa-63101	63	9	and	and	CCONJ
cjfa-63101	63	10	mallick	mallick	PROPN
cjfa-63101	63	11	(	(	PUNCT
cjfa-63101	63	12	2019	2019	NUM
cjfa-63101	63	13	)	)	PUNCT
cjfa-63101	63	14	and	and	CCONJ
cjfa-63101	63	15	canlas	canla	NOUN
cjfa-63101	63	16	,	,	PUNCT
cjfa-63101	63	17	ravalo	ravalo	NOUN
cjfa-63101	63	18	and	and	CCONJ
cjfa-63101	63	19	remolona	remolona	NOUN
cjfa-63101	63	20	(	(	PUNCT
cjfa-63101	63	21	2025	2025	NUM
cjfa-63101	63	22	)	)	PUNCT
cjfa-63101	63	23	,	,	PUNCT
cjfa-63101	63	24	emphasizing	emphasize	VERB
cjfa-63101	63	25	the	the	DET
cjfa-63101	63	26	importance	importance	NOUN
cjfa-63101	63	27	of	of	ADP
cjfa-63101	63	28	nuanced	nuanced	ADJ
cjfa-63101	63	29	measures	measure	NOUN
cjfa-63101	63	30	in	in	ADP
cjfa-63101	63	31	assessing	assess	VERB
cjfa-63101	63	32	the	the	DET
cjfa-63101	63	33	impact	impact	NOUN
cjfa-63101	63	34	of	of	ADP
cjfa-63101	63	35	financial	financial	ADJ
cjfa-63101	63	36	inclusions	inclusion	NOUN
cjfa-63101	63	37	,	,	PUNCT
cjfa-63101	63	38	especially	especially	ADV
cjfa-63101	63	39	through	through	ADP
cjfa-63101	63	40	increased	increase	VERB
cjfa-63101	63	41	deposits	deposit	NOUN
cjfa-63101	63	42	.	.	PUNCT
cjfa-63101	64	1	regional	regional	ADJ
cjfa-63101	64	2	studies	study	NOUN
cjfa-63101	64	3	indicate	indicate	VERB
cjfa-63101	64	4	that	that	SCONJ
cjfa-63101	64	5	financial	financial	ADJ
cjfa-63101	64	6	inclusion	inclusion	NOUN
cjfa-63101	64	7	positively	positively	ADV
cjfa-63101	64	8	impacts	impact	VERB
cjfa-63101	64	9	financial	financial	ADJ
cjfa-63101	64	10	stability	stability	NOUN
cjfa-63101	64	11	in	in	ADP
cjfa-63101	64	12	sub	sub	ADJ
cjfa-63101	64	13	-	-	ADJ
cjfa-63101	64	14	saharan	saharan	ADJ
cjfa-63101	64	15	african	african	ADJ
cjfa-63101	64	16	countries	country	NOUN
cjfa-63101	64	17	(	(	PUNCT
cjfa-63101	64	18	djoufouet	djoufouet	NOUN
cjfa-63101	64	19	&	&	CCONJ
cjfa-63101	64	20	pondie	pondie	NOUN
cjfa-63101	64	21	,	,	PUNCT
cjfa-63101	64	22	2022	2022	NUM
cjfa-63101	64	23	;	;	PUNCT
cjfa-63101	64	24	moeti	moeti	PROPN
cjfa-63101	64	25	&	&	CCONJ
cjfa-63101	64	26	sin	sin	PROPN
cjfa-63101	64	27	yu	yu	PROPN
cjfa-63101	64	28	,	,	PUNCT
cjfa-63101	64	29	2024	2024	NUM
cjfa-63101	64	30	)	)	PUNCT
cjfa-63101	64	31	,	,	PUNCT
cjfa-63101	64	32	the	the	DET
cjfa-63101	64	33	asian	asian	ADJ
cjfa-63101	64	34	banking	banking	NOUN
cjfa-63101	64	35	sector	sector	NOUN
cjfa-63101	64	36	(	(	PUNCT
cjfa-63101	64	37	vo	vo	NOUN
cjfa-63101	64	38	,	,	PUNCT
cjfa-63101	64	39	van	van	PROPN
cjfa-63101	64	40	,	,	PUNCT
cjfa-63101	64	41	dinh	dinh	PROPN
cjfa-63101	64	42	&	&	CCONJ
cjfa-63101	64	43	ho	ho	PROPN
cjfa-63101	64	44	,	,	PUNCT
cjfa-63101	64	45	2021	2021	NUM
cjfa-63101	64	46	)	)	PUNCT
cjfa-63101	64	47	,	,	PUNCT
cjfa-63101	64	48	and	and	CCONJ
cjfa-63101	64	49	the	the	DET
cjfa-63101	64	50	european	european	PROPN
cjfa-63101	64	51	union	union	PROPN
cjfa-63101	64	52	(	(	PUNCT
cjfa-63101	64	53	danisman	danisman	PROPN
cjfa-63101	64	54	&	&	CCONJ
cjfa-63101	64	55	tarazi	tarazi	NOUN
cjfa-63101	64	56	,	,	PUNCT
cjfa-63101	64	57	2020	2020	NUM
cjfa-63101	64	58	)	)	PUNCT
cjfa-63101	64	59	.	.	PUNCT
cjfa-63101	65	1	existing	exist	VERB
cjfa-63101	65	2	literature	literature	NOUN
cjfa-63101	65	3	indicates	indicate	VERB
cjfa-63101	65	4	a	a	DET
cjfa-63101	65	5	complex	complex	ADJ
cjfa-63101	65	6	relationship	relationship	NOUN
cjfa-63101	65	7	between	between	ADP
cjfa-63101	65	8	financial	financial	ADJ
cjfa-63101	65	9	inclusion	inclusion	NOUN
cjfa-63101	65	10	and	and	CCONJ
cjfa-63101	65	11	stability	stability	NOUN
cjfa-63101	65	12	,	,	PUNCT
cjfa-63101	65	13	highlighting	highlight	VERB
cjfa-63101	65	14	both	both	CCONJ
cjfa-63101	65	15	positive	positive	ADJ
cjfa-63101	65	16	and	and	CCONJ
cjfa-63101	65	17	negative	negative	ADJ
cjfa-63101	65	18	effects	effect	NOUN
cjfa-63101	65	19	.	.	PUNCT
cjfa-63101	66	1	although	although	SCONJ
cjfa-63101	66	2	empirical	empirical	ADJ
cjfa-63101	66	3	evidence	evidence	NOUN
cjfa-63101	66	4	typically	typically	ADV
cjfa-63101	66	5	indicates	indicate	VERB
cjfa-63101	66	6	a	a	DET
cjfa-63101	66	7	positive	positive	ADJ
cjfa-63101	66	8	correlation	correlation	NOUN
cjfa-63101	66	9	,	,	PUNCT
cjfa-63101	66	10	these	these	DET
cjfa-63101	66	11	findings	finding	NOUN
cjfa-63101	66	12	emphasize	emphasize	VERB
cjfa-63101	66	13	the	the	DET
cjfa-63101	66	14	need	need	NOUN
cjfa-63101	66	15	for	for	ADP
cjfa-63101	66	16	well	well	ADV
cjfa-63101	66	17	-	-	PUNCT
cjfa-63101	66	18	designed	design	VERB
cjfa-63101	66	19	regulatory	regulatory	ADJ
cjfa-63101	66	20	frameworks	framework	NOUN
cjfa-63101	66	21	and	and	CCONJ
cjfa-63101	66	22	targeted	target	VERB
cjfa-63101	66	23	measures	measure	NOUN
cjfa-63101	66	24	.	.	PUNCT
cjfa-63101	67	1	understanding	understand	VERB
cjfa-63101	67	2	the	the	DET
cjfa-63101	67	3	dynamics	dynamic	NOUN
cjfa-63101	67	4	between	between	ADP
cjfa-63101	67	5	financial	financial	ADJ
cjfa-63101	67	6	inclusion	inclusion	NOUN
cjfa-63101	67	7	and	and	CCONJ
cjfa-63101	67	8	stability	stability	NOUN
cjfa-63101	67	9	is	be	AUX
cjfa-63101	67	10	essential	essential	ADJ
cjfa-63101	67	11	for	for	ADP
cjfa-63101	67	12	policymakers	policymaker	NOUN
cjfa-63101	67	13	,	,	PUNCT
cjfa-63101	67	14	regulators	regulator	NOUN
cjfa-63101	67	15	,	,	PUNCT
cjfa-63101	67	16	and	and	CCONJ
cjfa-63101	67	17	financial	financial	ADJ
cjfa-63101	67	18	institutions	institution	NOUN
cjfa-63101	67	19	in	in	ADP
cjfa-63101	67	20	fostering	foster	VERB
cjfa-63101	67	21	inclusive	inclusive	ADJ
cjfa-63101	67	22	and	and	CCONJ
cjfa-63101	67	23	resilient	resilient	ADJ
cjfa-63101	67	24	systems	system	NOUN
cjfa-63101	67	25	.	.	PUNCT
cjfa-63101	68	1	methodsmethods	methodsmethod	VERB
cjfa-63101	68	2	research	research	NOUN
cjfa-63101	68	3	designresearch	designresearch	NOUN
cjfa-63101	68	4	design	design	NOUN
cjfa-63101	68	5	this	this	DET
cjfa-63101	68	6	explanatory	explanatory	ADJ
cjfa-63101	68	7	study	study	NOUN
cjfa-63101	68	8	employed	employ	VERB
cjfa-63101	68	9	a	a	DET
cjfa-63101	68	10	quantitative	quantitative	ADJ
cjfa-63101	68	11	method	method	NOUN
cjfa-63101	68	12	to	to	PART
cjfa-63101	68	13	identify	identify	VERB
cjfa-63101	68	14	cause	cause	NOUN
cjfa-63101	68	15	-	-	PUNCT
cjfa-63101	68	16	andeffect	andeffect	NOUN
cjfa-63101	68	17	relationships	relationship	NOUN
cjfa-63101	68	18	between	between	ADP
cjfa-63101	68	19	variables	variable	NOUN
cjfa-63101	68	20	(	(	PUNCT
cjfa-63101	68	21	saunders	saunder	NOUN
cjfa-63101	68	22	,	,	PUNCT
cjfa-63101	68	23	lewis	lewis	PROPN
cjfa-63101	68	24	&	&	CCONJ
cjfa-63101	68	25	thomhill	thomhill	NOUN
cjfa-63101	68	26	,	,	PUNCT
cjfa-63101	68	27	2012	2012	NUM
cjfa-63101	68	28	)	)	PUNCT
cjfa-63101	68	29	.	.	PUNCT
cjfa-63101	69	1	it	it	PRON
cjfa-63101	69	2	investigates	investigate	VERB
cjfa-63101	69	3	the	the	DET
cjfa-63101	69	4	link	link	NOUN
cjfa-63101	69	5	between	between	ADP
cjfa-63101	69	6	financial	financial	ADJ
cjfa-63101	69	7	inclusion	inclusion	NOUN
cjfa-63101	69	8	and	and	CCONJ
cjfa-63101	69	9	stability	stability	NOUN
cjfa-63101	69	10	using	use	VERB
cjfa-63101	69	11	secondary	secondary	ADJ
cjfa-63101	69	12	data	datum	NOUN
cjfa-63101	69	13	(	(	PUNCT
cjfa-63101	69	14	koudalo	koudalo	NOUN
cjfa-63101	69	15	&	&	CCONJ
cjfa-63101	69	16	toure	toure	PROPN
cjfa-63101	69	17	,	,	PUNCT
cjfa-63101	69	18	2023	2023	NUM
cjfa-63101	69	19	)	)	PUNCT
cjfa-63101	69	20	.	.	PUNCT
cjfa-63101	70	1	the	the	DET
cjfa-63101	70	2	analysis	analysis	NOUN
cjfa-63101	70	3	uses	use	VERB
cjfa-63101	70	4	time	time	NOUN
cjfa-63101	70	5	series	series	PROPN
cjfa-63101	70	6	data	datum	NOUN
cjfa-63101	70	7	from	from	ADP
cjfa-63101	70	8	2005	2005	NUM
cjfa-63101	70	9	to	to	ADP
cjfa-63101	70	10	2021	2021	NUM
cjfa-63101	70	11	,	,	PUNCT
cjfa-63101	70	12	including	include	VERB
cjfa-63101	70	13	the	the	DET
cjfa-63101	70	14	bank	bank	NOUN
cjfa-63101	70	15	’s	’s	PART
cjfa-63101	70	16	z	z	NOUN
cjfa-63101	70	17	-	-	PUNCT
cjfa-63101	70	18	score	score	NOUN
cjfa-63101	70	19	,	,	PUNCT
cjfa-63101	70	20	the	the	DET
cjfa-63101	70	21	volume	volume	NOUN
cjfa-63101	70	22	of	of	ADP
cjfa-63101	70	23	outstanding	outstanding	ADJ
cjfa-63101	70	24	deposits	deposit	NOUN
cjfa-63101	70	25	with	with	ADP
cjfa-63101	70	26	commercial	commercial	ADJ
cjfa-63101	70	27	banks	bank	NOUN
cjfa-63101	70	28	(	(	PUNCT
cjfa-63101	70	29	%	%	NOUN
cjfa-63101	70	30	of	of	ADP
cjfa-63101	70	31	gdp	gdp	NOUN
cjfa-63101	70	32	)	)	PUNCT
cjfa-63101	70	33	,	,	PUNCT
cjfa-63101	70	34	outstanding	outstanding	ADJ
cjfa-63101	70	35	loans	loan	NOUN
cjfa-63101	70	36	from	from	ADP
cjfa-63101	70	37	commercial	commercial	ADJ
cjfa-63101	70	38	banks	bank	NOUN
cjfa-63101	70	39	(	(	PUNCT
cjfa-63101	70	40	%	%	NOUN
cjfa-63101	70	41	of	of	ADP
cjfa-63101	70	42	gdp	gdp	NOUN
cjfa-63101	70	43	)	)	PUNCT
cjfa-63101	70	44	,	,	PUNCT
cjfa-63101	70	45	the	the	DET
cjfa-63101	70	46	overall	overall	ADJ
cjfa-63101	70	47	consumer	consumer	NOUN
cjfa-63101	70	48	price	price	NOUN
cjfa-63101	70	49	index	index	NOUN
cjfa-63101	70	50	,	,	PUNCT
cjfa-63101	70	51	and	and	CCONJ
cjfa-63101	70	52	the	the	DET
cjfa-63101	70	53	central	central	ADJ
cjfa-63101	70	54	bank	bank	NOUN
cjfa-63101	70	55	policy	policy	NOUN
cjfa-63101	70	56	rate	rate	NOUN
cjfa-63101	70	57	in	in	ADP
cjfa-63101	70	58	ghana	ghana	PROPN
cjfa-63101	70	59	,	,	PUNCT
cjfa-63101	70	60	sourced	source	VERB
cjfa-63101	70	61	from	from	ADP
cjfa-63101	70	62	the	the	DET
cjfa-63101	70	63	world	world	PROPN
cjfa-63101	70	64	bank	bank	PROPN
cjfa-63101	70	65	,	,	PUNCT
cjfa-63101	70	66	the	the	DET
cjfa-63101	70	67	international	international	ADJ
cjfa-63101	70	68	monetary	monetary	ADJ
cjfa-63101	70	69	fund	fund	NOUN
cjfa-63101	70	70	,	,	PUNCT
cjfa-63101	70	71	and	and	CCONJ
cjfa-63101	70	72	the	the	DET
cjfa-63101	70	73	bank	bank	NOUN
cjfa-63101	70	74	of	of	ADP
cjfa-63101	70	75	ghana	ghana	PROPN
cjfa-63101	70	76	website	website	PROPN
cjfa-63101	70	77	.	.	PUNCT
cjfa-63101	71	1	philomina	philomina	PROPN
cjfa-63101	71	2	maku	maku	PROPN
cjfa-63101	71	3	narh	narh	PROPN
cjfa-63101	71	4	,	,	PUNCT
cjfa-63101	71	5	collins	collins	PROPN
cjfa-63101	71	6	dodzi	dodzi	PROPN
cjfa-63101	71	7	dzitse5252	dzitse5252	PROPN
cjfa-63101	71	8	measurement	measurement	NOUN
cjfa-63101	71	9	of	of	ADP
cjfa-63101	71	10	variablesmeasurement	variablesmeasurement	NOUN
cjfa-63101	71	11	of	of	ADP
cjfa-63101	71	12	variables	variable	NOUN
cjfa-63101	71	13	measurement	measurement	NOUN
cjfa-63101	71	14	selection	selection	NOUN
cjfa-63101	71	15	for	for	ADP
cjfa-63101	71	16	this	this	DET
cjfa-63101	71	17	study	study	NOUN
cjfa-63101	71	18	’s	’s	PART
cjfa-63101	71	19	variables	variable	NOUN
cjfa-63101	71	20	was	be	AUX
cjfa-63101	71	21	based	base	VERB
cjfa-63101	71	22	on	on	ADP
cjfa-63101	71	23	their	their	PRON
cjfa-63101	71	24	prevalent	prevalent	ADJ
cjfa-63101	71	25	use	use	NOUN
cjfa-63101	71	26	in	in	ADP
cjfa-63101	71	27	existing	exist	VERB
cjfa-63101	71	28	literature	literature	NOUN
cjfa-63101	71	29	.	.	PUNCT
cjfa-63101	72	1	financial	financial	ADJ
cjfa-63101	72	2	inclusion	inclusion	NOUN
cjfa-63101	72	3	,	,	PUNCT
cjfa-63101	72	4	the	the	DET
cjfa-63101	72	5	independent	independent	ADJ
cjfa-63101	72	6	variable	variable	NOUN
cjfa-63101	72	7	,	,	PUNCT
cjfa-63101	72	8	is	be	AUX
cjfa-63101	72	9	measured	measure	VERB
cjfa-63101	72	10	by	by	ADP
cjfa-63101	72	11	the	the	DET
cjfa-63101	72	12	volume	volume	NOUN
cjfa-63101	72	13	of	of	ADP
cjfa-63101	72	14	outstanding	outstanding	ADJ
cjfa-63101	72	15	deposits	deposit	NOUN
cjfa-63101	72	16	and	and	CCONJ
cjfa-63101	72	17	loans	loan	NOUN
cjfa-63101	72	18	as	as	ADP
cjfa-63101	72	19	a	a	DET
cjfa-63101	72	20	proportion	proportion	NOUN
cjfa-63101	72	21	of	of	ADP
cjfa-63101	72	22	gdp	gdp	NOUN
cjfa-63101	72	23	,	,	PUNCT
cjfa-63101	72	24	representing	represent	VERB
cjfa-63101	72	25	the	the	DET
cjfa-63101	72	26	ratio	ratio	NOUN
cjfa-63101	72	27	of	of	ADP
cjfa-63101	72	28	total	total	ADJ
cjfa-63101	72	29	funds	fund	NOUN
cjfa-63101	72	30	in	in	ADP
cjfa-63101	72	31	deposits	deposit	NOUN
cjfa-63101	72	32	and	and	CCONJ
cjfa-63101	72	33	loans	loan	NOUN
cjfa-63101	72	34	within	within	ADP
cjfa-63101	72	35	a	a	DET
cjfa-63101	72	36	country	country	NOUN
cjfa-63101	72	37	’s	’s	PART
cjfa-63101	72	38	banking	banking	NOUN
cjfa-63101	72	39	system	system	NOUN
cjfa-63101	72	40	relative	relative	ADJ
cjfa-63101	72	41	to	to	ADP
cjfa-63101	72	42	gdp	gdp	PROPN
cjfa-63101	72	43	.	.	PUNCT
cjfa-63101	73	1	financial	financial	ADJ
cjfa-63101	73	2	stability	stability	NOUN
cjfa-63101	73	3	,	,	PUNCT
cjfa-63101	73	4	the	the	DET
cjfa-63101	73	5	dependent	dependent	ADJ
cjfa-63101	73	6	variable	variable	NOUN
cjfa-63101	73	7	,	,	PUNCT
cjfa-63101	73	8	is	be	AUX
cjfa-63101	73	9	measured	measure	VERB
cjfa-63101	73	10	using	use	VERB
cjfa-63101	73	11	the	the	DET
cjfa-63101	73	12	z	z	NOUN
cjfa-63101	73	13	-	-	PUNCT
cjfa-63101	73	14	scores	score	NOUN
cjfa-63101	73	15	of	of	ADP
cjfa-63101	73	16	various	various	ADJ
cjfa-63101	73	17	financial	financial	ADJ
cjfa-63101	73	18	institutions	institution	NOUN
cjfa-63101	73	19	in	in	ADP
cjfa-63101	73	20	ghana	ghana	PROPN
cjfa-63101	73	21	.	.	PUNCT
cjfa-63101	74	1	the	the	DET
cjfa-63101	74	2	z	z	NOUN
cjfa-63101	74	3	-	-	PUNCT
cjfa-63101	74	4	score	score	NOUN
cjfa-63101	74	5	,	,	PUNCT
cjfa-63101	74	6	created	create	VERB
cjfa-63101	74	7	by	by	ADP
cjfa-63101	74	8	edward	edward	PROPN
cjfa-63101	74	9	altman	altman	PROPN
cjfa-63101	74	10	in	in	ADP
cjfa-63101	74	11	the	the	DET
cjfa-63101	74	12	late	late	ADJ
cjfa-63101	74	13	1960s	1960	NOUN
cjfa-63101	74	14	as	as	ADP
cjfa-63101	74	15	a	a	DET
cjfa-63101	74	16	bankruptcy	bankruptcy	NOUN
cjfa-63101	74	17	prediction	prediction	NOUN
cjfa-63101	74	18	model	model	NOUN
cjfa-63101	74	19	,	,	PUNCT
cjfa-63101	74	20	indicates	indicate	VERB
cjfa-63101	74	21	an	an	DET
cjfa-63101	74	22	institution	institution	NOUN
cjfa-63101	74	23	’s	’s	PART
cjfa-63101	74	24	financial	financial	ADJ
cjfa-63101	74	25	health	health	NOUN
cjfa-63101	74	26	and	and	CCONJ
cjfa-63101	74	27	risk	risk	NOUN
cjfa-63101	74	28	.	.	PUNCT
cjfa-63101	75	1	although	although	SCONJ
cjfa-63101	75	2	initially	initially	ADV
cjfa-63101	75	3	used	use	VERB
cjfa-63101	75	4	to	to	PART
cjfa-63101	75	5	predict	predict	VERB
cjfa-63101	75	6	corporate	corporate	ADJ
cjfa-63101	75	7	bankruptcy	bankruptcy	NOUN
cjfa-63101	75	8	,	,	PUNCT
cjfa-63101	75	9	it	it	PRON
cjfa-63101	75	10	is	be	AUX
cjfa-63101	75	11	now	now	ADV
cjfa-63101	75	12	used	use	VERB
cjfa-63101	75	13	to	to	PART
cjfa-63101	75	14	assess	assess	VERB
cjfa-63101	75	15	financial	financial	ADJ
cjfa-63101	75	16	institutions	institution	NOUN
cjfa-63101	75	17	’	'	PUNCT
cjfa-63101	75	18	creditworthiness	creditworthiness	NOUN
cjfa-63101	75	19	and	and	CCONJ
cjfa-63101	75	20	stability	stability	NOUN
cjfa-63101	75	21	.	.	PUNCT
cjfa-63101	76	1	additionally	additionally	ADV
cjfa-63101	76	2	,	,	PUNCT
cjfa-63101	76	3	four	four	NUM
cjfa-63101	76	4	macroeconomic	macroeconomic	ADJ
cjfa-63101	76	5	indicators	indicator	NOUN
cjfa-63101	76	6	–	–	PUNCT
cjfa-63101	76	7	inflation	inflation	NOUN
cjfa-63101	76	8	,	,	PUNCT
cjfa-63101	76	9	recessions	recession	NOUN
cjfa-63101	76	10	,	,	PUNCT
cjfa-63101	76	11	interest	interest	NOUN
cjfa-63101	76	12	rates	rate	NOUN
cjfa-63101	76	13	,	,	PUNCT
cjfa-63101	76	14	and	and	CCONJ
cjfa-63101	76	15	policy	policy	NOUN
cjfa-63101	76	16	changes	change	NOUN
cjfa-63101	76	17	–	–	PUNCT
cjfa-63101	76	18	are	be	AUX
cjfa-63101	76	19	included	include	VERB
cjfa-63101	76	20	to	to	PART
cjfa-63101	76	21	provide	provide	VERB
cjfa-63101	76	22	a	a	DET
cjfa-63101	76	23	broader	broad	ADJ
cjfa-63101	76	24	context	context	NOUN
cjfa-63101	76	25	and	and	CCONJ
cjfa-63101	76	26	to	to	PART
cjfa-63101	76	27	assess	assess	VERB
cjfa-63101	76	28	their	their	PRON
cjfa-63101	76	29	impact	impact	NOUN
cjfa-63101	76	30	on	on	ADP
cjfa-63101	76	31	the	the	DET
cjfa-63101	76	32	relationship	relationship	NOUN
cjfa-63101	76	33	between	between	ADP
cjfa-63101	76	34	financial	financial	ADJ
cjfa-63101	76	35	inclusion	inclusion	NOUN
cjfa-63101	76	36	and	and	CCONJ
cjfa-63101	76	37	stability	stability	NOUN
cjfa-63101	76	38	in	in	ADP
cjfa-63101	76	39	ghana	ghana	PROPN
cjfa-63101	76	40	’s	’s	PART
cjfa-63101	76	41	financial	financial	ADJ
cjfa-63101	76	42	sector	sector	NOUN
cjfa-63101	76	43	.	.	PUNCT
cjfa-63101	77	1	the	the	DET
cjfa-63101	77	2	variables	variable	NOUN
cjfa-63101	77	3	are	be	AUX
cjfa-63101	77	4	defined	define	VERB
cjfa-63101	77	5	as	as	SCONJ
cjfa-63101	77	6	follows	follow	VERB
cjfa-63101	77	7	:	:	PUNCT
cjfa-63101	77	8	fi	fi	NOUN
cjfa-63101	77	9	=	=	ADJ
cjfa-63101	77	10	financial	financial	ADJ
cjfa-63101	77	11	inclusion	inclusion	NOUN
cjfa-63101	77	12	;	;	PUNCT
cjfa-63101	77	13	fs	fs	ADP
cjfa-63101	77	14	=	=	PUNCT
cjfa-63101	77	15	financial	financial	ADJ
cjfa-63101	77	16	stability	stability	NOUN
cjfa-63101	77	17	;	;	PUNCT
cjfa-63101	77	18	inf	inf	NOUN
cjfa-63101	77	19	=	=	NOUN
cjfa-63101	77	20	inflation	inflation	NOUN
cjfa-63101	77	21	;	;	PUNCT
cjfa-63101	78	1	re	re	NOUN
cjfa-63101	78	2	=	=	NOUN
cjfa-63101	78	3	recession	recession	NOUN
cjfa-63101	78	4	;	;	PUNCT
cjfa-63101	78	5	r	r	NOUN
cjfa-63101	78	6	=	=	SYM
cjfa-63101	78	7	interest	interest	NOUN
cjfa-63101	78	8	rate	rate	NOUN
cjfa-63101	78	9	;	;	PUNCT
cjfa-63101	78	10	pc	pc	NOUN
cjfa-63101	78	11	=	=	SYM
cjfa-63101	78	12	policy	policy	NOUN
cjfa-63101	78	13	changes	change	NOUN
cjfa-63101	78	14	.	.	PUNCT
cjfa-63101	79	1	table	table	NOUN
cjfa-63101	79	2	1	1	NUM
cjfa-63101	79	3	.	.	PUNCT
cjfa-63101	80	1	variables	variable	NOUN
cjfa-63101	80	2	and	and	CCONJ
cjfa-63101	80	3	measurement	measurement	NOUN
cjfa-63101	80	4	variable	variable	ADJ
cjfa-63101	80	5	measurement	measurement	NOUN
cjfa-63101	80	6	source	source	NOUN
cjfa-63101	80	7	fi	fi	NOUN
cjfa-63101	80	8	usage	usage	NOUN
cjfa-63101	80	9	of	of	ADP
cjfa-63101	80	10	financial	financial	ADJ
cjfa-63101	80	11	service	service	NOUN
cjfa-63101	80	12	(	(	PUNCT
cjfa-63101	80	13	using	use	VERB
cjfa-63101	80	14	the	the	DET
cjfa-63101	80	15	volume	volume	NOUN
cjfa-63101	80	16	of	of	ADP
cjfa-63101	80	17	outstanding	outstanding	ADJ
cjfa-63101	80	18	deposits	deposit	NOUN
cjfa-63101	80	19	with	with	ADP
cjfa-63101	80	20	commercial	commercial	ADJ
cjfa-63101	80	21	banks	bank	NOUN
cjfa-63101	80	22	(	(	PUNCT
cjfa-63101	80	23	%	%	NOUN
cjfa-63101	80	24	of	of	ADP
cjfa-63101	80	25	gdp	gdp	NOUN
cjfa-63101	80	26	)	)	PUNCT
cjfa-63101	80	27	and	and	CCONJ
cjfa-63101	80	28	outstanding	outstanding	ADJ
cjfa-63101	80	29	loans	loan	NOUN
cjfa-63101	80	30	from	from	ADP
cjfa-63101	80	31	commercial	commercial	ADJ
cjfa-63101	80	32	banks	bank	NOUN
cjfa-63101	80	33	(	(	PUNCT
cjfa-63101	80	34	%	%	NOUN
cjfa-63101	80	35	of	of	ADP
cjfa-63101	80	36	gdp	gdp	NOUN
cjfa-63101	80	37	)	)	PUNCT
cjfa-63101	80	38	)	)	PUNCT
cjfa-63101	80	39	financial	financial	ADJ
cjfa-63101	80	40	access	access	NOUN
cjfa-63101	80	41	survey	survey	NOUN
cjfa-63101	80	42	(	(	PUNCT
cjfa-63101	80	43	fas	fas	NOUN
cjfa-63101	80	44	)	)	PUNCT
cjfa-63101	80	45	fs	fs	ADP
cjfa-63101	80	46	bank	bank	PROPN
cjfa-63101	80	47	’s	’s	PART
cjfa-63101	80	48	z	z	PROPN
cjfa-63101	80	49	score	score	NOUN
cjfa-63101	80	50	global	global	PROPN
cjfa-63101	80	51	financial	financial	PROPN
cjfa-63101	80	52	development	development	PROPN
cjfa-63101	80	53	inf	inf	PROPN
cjfa-63101	80	54	overall	overall	ADJ
cjfa-63101	80	55	consumer	consumer	NOUN
cjfa-63101	80	56	price	price	NOUN
cjfa-63101	80	57	index	index	NOUN
cjfa-63101	80	58	(	(	PUNCT
cjfa-63101	80	59	non	non	ADJ
cjfa-63101	80	60	-	-	ADJ
cjfa-63101	80	61	food	food	NOUN
cjfa-63101	80	62	and	and	CCONJ
cjfa-63101	80	63	food	food	NOUN
cjfa-63101	80	64	)	)	PUNCT
cjfa-63101	80	65	world	world	NOUN
cjfa-63101	80	66	development	development	NOUN
cjfa-63101	80	67	indicators	indicator	NOUN
cjfa-63101	80	68	r	r	PROPN
cjfa-63101	80	69	central	central	PROPN
cjfa-63101	80	70	bank	bank	NOUN
cjfa-63101	80	71	policy	policy	NOUN
cjfa-63101	80	72	rate	rate	NOUN
cjfa-63101	80	73	world	world	NOUN
cjfa-63101	80	74	development	development	NOUN
cjfa-63101	80	75	indicators	indicator	NOUN
cjfa-63101	80	76	s	s	AUX
cjfa-63101	80	77	o	o	NOUN
cjfa-63101	80	78	u	u	NOUN
cjfa-63101	80	79	r	r	NOUN
cjfa-63101	80	80	c	c	NOUN
cjfa-63101	80	81	e	e	NOUN
cjfa-63101	80	82	:	:	PUNCT
cjfa-63101	80	83	fieldwork	fieldwork	NOUN
cjfa-63101	80	84	2022	2022	NUM
cjfa-63101	80	85	.	.	PUNCT
cjfa-63101	81	1	estimation	estimation	NOUN
cjfa-63101	81	2	and	and	CCONJ
cjfa-63101	81	3	analysis	analysis	NOUN
cjfa-63101	81	4	techniqueestimation	techniqueestimation	NOUN
cjfa-63101	81	5	and	and	CCONJ
cjfa-63101	81	6	analysis	analysis	NOUN
cjfa-63101	81	7	technique	technique	NOUN
cjfa-63101	81	8	quantile	quantile	ADJ
cjfa-63101	81	9	regression	regression	NOUN
cjfa-63101	81	10	(	(	PUNCT
cjfa-63101	81	11	qrm	qrm	PROPN
cjfa-63101	81	12	)	)	PUNCT
cjfa-63101	81	13	is	be	AUX
cjfa-63101	81	14	employed	employ	VERB
cjfa-63101	81	15	to	to	PART
cjfa-63101	81	16	investigate	investigate	VERB
cjfa-63101	81	17	the	the	DET
cjfa-63101	81	18	association	association	NOUN
cjfa-63101	81	19	between	between	ADP
cjfa-63101	81	20	fi	fi	NOUN
cjfa-63101	81	21	and	and	CCONJ
cjfa-63101	81	22	financial	financial	ADJ
cjfa-63101	81	23	stability	stability	NOUN
cjfa-63101	81	24	fs	fs	PROPN
cjfa-63101	81	25	,	,	PUNCT
cjfa-63101	81	26	offering	offer	VERB
cjfa-63101	81	27	a	a	DET
cjfa-63101	81	28	unique	unique	ADJ
cjfa-63101	81	29	approach	approach	NOUN
cjfa-63101	81	30	compared	compare	VERB
cjfa-63101	81	31	to	to	ADP
cjfa-63101	81	32	traditional	traditional	ADJ
cjfa-63101	81	33	methods	method	NOUN
cjfa-63101	81	34	,	,	PUNCT
cjfa-63101	81	35	such	such	ADJ
cjfa-63101	81	36	as	as	ADP
cjfa-63101	81	37	linear	linear	PROPN
cjfa-63101	81	38	regression	regression	NOUN
cjfa-63101	81	39	(	(	PUNCT
cjfa-63101	81	40	lrm	lrm	PROPN
cjfa-63101	81	41	)	)	PUNCT
cjfa-63101	81	42	,	,	PUNCT
cjfa-63101	81	43	autoregressive	autoregressive	ADJ
cjfa-63101	81	44	distributed	distribute	VERB
cjfa-63101	81	45	lag	lag	NOUN
cjfa-63101	81	46	financial	financial	ADJ
cjfa-63101	81	47	inclusion	inclusion	NOUN
cjfa-63101	81	48	towards	towards	ADP
cjfa-63101	81	49	financial	financial	ADJ
cjfa-63101	81	50	stability	stability	NOUN
cjfa-63101	81	51	in	in	ADP
cjfa-63101	81	52	ghana	ghana	PROPN
cjfa-63101	81	53	…	…	PUNCT
cjfa-63101	81	54	5353	5353	NUM
cjfa-63101	81	55	(	(	PUNCT
cjfa-63101	81	56	ardl	ardl	NOUN
cjfa-63101	81	57	)	)	PUNCT
cjfa-63101	81	58	,	,	PUNCT
cjfa-63101	81	59	and	and	CCONJ
cjfa-63101	81	60	vector	vector	NOUN
cjfa-63101	81	61	error	error	NOUN
cjfa-63101	81	62	correction	correction	NOUN
cjfa-63101	81	63	models	model	NOUN
cjfa-63101	81	64	(	(	PUNCT
cjfa-63101	81	65	vecm	vecm	NOUN
cjfa-63101	81	66	)	)	PUNCT
cjfa-63101	81	67	.	.	PUNCT
cjfa-63101	82	1	the	the	DET
cjfa-63101	82	2	qrm	qrm	PROPN
cjfa-63101	82	3	overcomes	overcome	VERB
cjfa-63101	82	4	the	the	DET
cjfa-63101	82	5	limitations	limitation	NOUN
cjfa-63101	82	6	of	of	ADP
cjfa-63101	82	7	these	these	DET
cjfa-63101	82	8	models	model	NOUN
cjfa-63101	82	9	,	,	PUNCT
cjfa-63101	82	10	which	which	PRON
cjfa-63101	82	11	often	often	ADV
cjfa-63101	82	12	yield	yield	VERB
cjfa-63101	82	13	biased	biased	ADJ
cjfa-63101	82	14	results	result	NOUN
cjfa-63101	82	15	and	and	CCONJ
cjfa-63101	82	16	inaccurate	inaccurate	ADJ
cjfa-63101	82	17	hypothesis	hypothesis	NOUN
cjfa-63101	82	18	testing	testing	NOUN
cjfa-63101	82	19	when	when	SCONJ
cjfa-63101	82	20	data	datum	NOUN
cjfa-63101	82	21	are	be	AUX
cjfa-63101	82	22	not	not	PART
cjfa-63101	82	23	normally	normally	ADV
cjfa-63101	82	24	distributed	distribute	VERB
cjfa-63101	82	25	,	,	PUNCT
cjfa-63101	82	26	by	by	ADP
cjfa-63101	82	27	avoiding	avoid	VERB
cjfa-63101	82	28	normality	normality	NOUN
cjfa-63101	82	29	assumptions	assumption	NOUN
cjfa-63101	82	30	(	(	PUNCT
cjfa-63101	82	31	koenker	koenker	NOUN
cjfa-63101	82	32	&	&	CCONJ
cjfa-63101	82	33	hallock	hallock	PROPN
cjfa-63101	82	34	,	,	PUNCT
cjfa-63101	82	35	2001	2001	NUM
cjfa-63101	82	36	)	)	PUNCT
cjfa-63101	82	37	and	and	CCONJ
cjfa-63101	82	38	minimizing	minimize	VERB
cjfa-63101	82	39	asymmetrically	asymmetrically	ADV
cjfa-63101	82	40	weighted	weight	VERB
cjfa-63101	82	41	absolute	absolute	ADJ
cjfa-63101	82	42	residuals	residual	NOUN
cjfa-63101	82	43	(	(	PUNCT
cjfa-63101	82	44	koenker	koenker	NOUN
cjfa-63101	82	45	&	&	CCONJ
cjfa-63101	82	46	bassett	bassett	PROPN
cjfa-63101	82	47	,	,	PUNCT
cjfa-63101	82	48	1978	1978	NUM
cjfa-63101	82	49	)	)	PUNCT
cjfa-63101	82	50	,	,	PUNCT
cjfa-63101	82	51	thus	thus	ADV
cjfa-63101	82	52	providing	provide	VERB
cjfa-63101	82	53	more	more	ADV
cjfa-63101	82	54	reliable	reliable	ADJ
cjfa-63101	82	55	country	country	NOUN
cjfa-63101	82	56	-	-	PUNCT
cjfa-63101	82	57	specific	specific	ADJ
cjfa-63101	82	58	policy	policy	NOUN
cjfa-63101	82	59	recommendations	recommendation	NOUN
cjfa-63101	82	60	during	during	ADP
cjfa-63101	82	61	the	the	DET
cjfa-63101	82	62	different	different	ADJ
cjfa-63101	82	63	stages	stage	NOUN
cjfa-63101	82	64	of	of	ADP
cjfa-63101	82	65	fi	fi	NOUN
cjfa-63101	82	66	and	and	CCONJ
cjfa-63101	82	67	fs	fs	PROPN
cjfa-63101	82	68	.	.	PROPN
cjfa-63101	82	69	ardl	ardl	PROPN
cjfa-63101	82	70	and	and	CCONJ
cjfa-63101	82	71	vecm	vecm	NOUN
cjfa-63101	82	72	require	require	VERB
cjfa-63101	82	73	strict	strict	ADJ
cjfa-63101	82	74	integration	integration	NOUN
cjfa-63101	82	75	conditions	condition	NOUN
cjfa-63101	82	76	(	(	PUNCT
cjfa-63101	82	77	i(0	i(0	PROPN
cjfa-63101	82	78	)	)	PUNCT
cjfa-63101	82	79	or	or	CCONJ
cjfa-63101	82	80	i(1	i(1	PROPN
cjfa-63101	82	81	)	)	PUNCT
cjfa-63101	82	82	for	for	ADP
cjfa-63101	82	83	ardl	ardl	NOUN
cjfa-63101	82	84	and	and	CCONJ
cjfa-63101	82	85	i(1	i(1	PROPN
cjfa-63101	82	86	)	)	PUNCT
cjfa-63101	82	87	for	for	ADP
cjfa-63101	82	88	vecm	vecm	NOUN
cjfa-63101	82	89	,	,	PUNCT
cjfa-63101	82	90	respectively	respectively	ADV
cjfa-63101	82	91	)	)	PUNCT
cjfa-63101	82	92	,	,	PUNCT
cjfa-63101	82	93	limiting	limit	VERB
cjfa-63101	82	94	their	their	PRON
cjfa-63101	82	95	use	use	NOUN
cjfa-63101	82	96	if	if	SCONJ
cjfa-63101	82	97	the	the	DET
cjfa-63101	82	98	variables	variable	NOUN
cjfa-63101	82	99	exceed	exceed	VERB
cjfa-63101	82	100	these	these	DET
cjfa-63101	82	101	orders	order	NOUN
cjfa-63101	82	102	(	(	PUNCT
cjfa-63101	82	103	anokye	anokye	PROPN
cjfa-63101	82	104	&	&	CCONJ
cjfa-63101	82	105	peterson	peterson	PROPN
cjfa-63101	82	106	,	,	PUNCT
cjfa-63101	82	107	2017	2017	NUM
cjfa-63101	82	108	)	)	PUNCT
cjfa-63101	82	109	.	.	PUNCT
cjfa-63101	83	1	in	in	ADP
cjfa-63101	83	2	contrast	contrast	NOUN
cjfa-63101	83	3	,	,	PUNCT
cjfa-63101	83	4	qrm	qrm	PROPN
cjfa-63101	83	5	can	can	AUX
cjfa-63101	83	6	be	be	AUX
cjfa-63101	83	7	used	use	VERB
cjfa-63101	83	8	regardless	regardless	ADV
cjfa-63101	83	9	of	of	ADP
cjfa-63101	83	10	integration	integration	NOUN
cjfa-63101	83	11	order	order	NOUN
cjfa-63101	83	12	or	or	CCONJ
cjfa-63101	83	13	variable	variable	ADJ
cjfa-63101	83	14	differentiability	differentiability	NOUN
cjfa-63101	83	15	(	(	PUNCT
cjfa-63101	83	16	koenker	koenker	NOUN
cjfa-63101	83	17	&	&	CCONJ
cjfa-63101	83	18	hallock	hallock	PROPN
cjfa-63101	83	19	,	,	PUNCT
cjfa-63101	83	20	2001	2001	NUM
cjfa-63101	83	21	)	)	PUNCT
cjfa-63101	83	22	.	.	PUNCT
cjfa-63101	84	1	this	this	DET
cjfa-63101	84	2	study	study	NOUN
cjfa-63101	84	3	emphasizes	emphasize	VERB
cjfa-63101	84	4	the	the	DET
cjfa-63101	84	5	assessment	assessment	NOUN
cjfa-63101	84	6	of	of	ADP
cjfa-63101	84	7	variable	variable	ADJ
cjfa-63101	84	8	stationarity	stationarity	NOUN
cjfa-63101	84	9	before	before	ADP
cjfa-63101	84	10	choosing	choose	VERB
cjfa-63101	84	11	a	a	DET
cjfa-63101	84	12	time	time	NOUN
cjfa-63101	84	13	-	-	PUNCT
cjfa-63101	84	14	series	series	NOUN
cjfa-63101	84	15	estimation	estimation	NOUN
cjfa-63101	84	16	method	method	NOUN
cjfa-63101	84	17	.	.	PUNCT
cjfa-63101	85	1	stationarity	stationarity	NOUN
cjfa-63101	85	2	was	be	AUX
cjfa-63101	85	3	tested	test	VERB
cjfa-63101	85	4	using	use	VERB
cjfa-63101	85	5	the	the	DET
cjfa-63101	85	6	augmented	augment	VERB
cjfa-63101	85	7	dickey	dickey	NOUN
cjfa-63101	85	8	-	-	PUNCT
cjfa-63101	85	9	fuller	full	ADJ
cjfa-63101	85	10	(	(	PUNCT
cjfa-63101	85	11	adf	adf	NOUN
cjfa-63101	85	12	)	)	PUNCT
cjfa-63101	85	13	and	and	CCONJ
cjfa-63101	85	14	phillips	phillips	PROPN
cjfa-63101	85	15	–	–	PUNCT
cjfa-63101	85	16	perron	perron	X
cjfa-63101	85	17	(	(	PUNCT
cjfa-63101	85	18	pp	pp	ADJ
cjfa-63101	85	19	)	)	PUNCT
cjfa-63101	85	20	tests	test	NOUN
cjfa-63101	85	21	,	,	PUNCT
cjfa-63101	85	22	differing	differ	VERB
cjfa-63101	85	23	only	only	ADV
cjfa-63101	85	24	in	in	ADP
cjfa-63101	85	25	the	the	DET
cjfa-63101	85	26	autocorrelation	autocorrelation	NOUN
cjfa-63101	85	27	correction	correction	NOUN
cjfa-63101	85	28	method	method	NOUN
cjfa-63101	85	29	for	for	ADP
cjfa-63101	85	30	residuals	residual	NOUN
cjfa-63101	85	31	.	.	PUNCT
cjfa-63101	86	1	both	both	DET
cjfa-63101	86	2	tests	test	NOUN
cjfa-63101	86	3	compare	compare	VERB
cjfa-63101	86	4	the	the	DET
cjfa-63101	86	5	alternative	alternative	ADJ
cjfa-63101	86	6	hypothesis	hypothesis	NOUN
cjfa-63101	86	7	of	of	ADP
cjfa-63101	86	8	no	no	DET
cjfa-63101	86	9	unit	unit	NOUN
cjfa-63101	86	10	root	root	NOUN
cjfa-63101	86	11	with	with	ADP
cjfa-63101	86	12	the	the	DET
cjfa-63101	86	13	null	null	ADJ
cjfa-63101	86	14	hypothesis	hypothesis	NOUN
cjfa-63101	86	15	that	that	PRON
cjfa-63101	86	16	the	the	DET
cjfa-63101	86	17	variables	variable	NOUN
cjfa-63101	86	18	have	have	VERB
cjfa-63101	86	19	a	a	DET
cjfa-63101	86	20	unit	unit	NOUN
cjfa-63101	86	21	root	root	NOUN
cjfa-63101	86	22	.	.	PUNCT
cjfa-63101	87	1	the	the	DET
cjfa-63101	87	2	adf	adf	PROPN
cjfa-63101	87	3	and	and	CCONJ
cjfa-63101	87	4	pp	pp	ADP
cjfa-63101	87	5	formulations	formulation	NOUN
cjfa-63101	87	6	are	be	AUX
cjfa-63101	87	7	given	give	VERB
cjfa-63101	87	8	in	in	ADP
cjfa-63101	87	9	models	model	NOUN
cjfa-63101	87	10	4	4	NUM
cjfa-63101	87	11	and	and	CCONJ
cjfa-63101	87	12	5	5	NUM
cjfa-63101	87	13	as	as	SCONJ
cjfa-63101	87	14	follows	follow	VERB
cjfa-63101	87	15	:	:	PUNCT
cjfa-63101	87	16	=	=	SYM
cjfa-63101	87	17	financial	financial	ADJ
cjfa-63101	87	18	stability	stability	NOUN
cjfa-63101	87	19	;	;	PUNCT
cjfa-63101	87	20	inf	inf	NOUN
cjfa-63101	87	21	=	=	NOUN
cjfa-63101	87	22	inflation	inflation	NOUN
cjfa-63101	87	23	;	;	PUNCT
cjfa-63101	87	24	re	re	NOUN
cjfa-63101	87	25	=	=	NOUN
cjfa-63101	87	26	recession	recession	NOUN
cjfa-63101	87	27	;	;	PUNCT
cjfa-63101	87	28	r	r	NOUN
cjfa-63101	87	29	=	=	SYM
cjfa-63101	87	30	interest	interest	NOUN
cjfa-63101	87	31	rate	rate	NOUN
cjfa-63101	87	32	;	;	PUNCT
cjfa-63101	87	33	pc	pc	NOUN
cjfa-63101	87	34	=	=	SYM
cjfa-63101	87	35	policy	policy	NOUN
cjfa-63101	87	36	changes	change	NOUN
cjfa-63101	87	37	.	.	PUNCT
cjfa-63101	88	1	table	table	NOUN
cjfa-63101	88	2	1	1	NUM
cjfa-63101	88	3	.	.	PUNCT
cjfa-63101	89	1	variables	variable	NOUN
cjfa-63101	89	2	and	and	CCONJ
cjfa-63101	89	3	measurement	measurement	NOUN
cjfa-63101	89	4	variable	variable	ADJ
cjfa-63101	89	5	measurement	measurement	NOUN
cjfa-63101	89	6	source	source	NOUN
cjfa-63101	89	7	fi	fi	NOUN
cjfa-63101	89	8	usage	usage	NOUN
cjfa-63101	89	9	of	of	ADP
cjfa-63101	89	10	financial	financial	ADJ
cjfa-63101	89	11	service	service	NOUN
cjfa-63101	89	12	(	(	PUNCT
cjfa-63101	89	13	using	use	VERB
cjfa-63101	89	14	the	the	DET
cjfa-63101	89	15	volume	volume	NOUN
cjfa-63101	89	16	of	of	ADP
cjfa-63101	89	17	outstanding	outstanding	ADJ
cjfa-63101	89	18	deposits	deposit	NOUN
cjfa-63101	89	19	with	with	ADP
cjfa-63101	89	20	commercial	commercial	ADJ
cjfa-63101	89	21	banks	bank	NOUN
cjfa-63101	89	22	(	(	PUNCT
cjfa-63101	89	23	%	%	NOUN
cjfa-63101	89	24	of	of	ADP
cjfa-63101	89	25	gdp	gdp	NOUN
cjfa-63101	89	26	)	)	PUNCT
cjfa-63101	89	27	and	and	CCONJ
cjfa-63101	89	28	outstanding	outstanding	ADJ
cjfa-63101	89	29	loans	loan	NOUN
cjfa-63101	89	30	from	from	ADP
cjfa-63101	89	31	commercial	commercial	ADJ
cjfa-63101	89	32	banks	bank	NOUN
cjfa-63101	89	33	(	(	PUNCT
cjfa-63101	89	34	%	%	NOUN
cjfa-63101	89	35	of	of	ADP
cjfa-63101	89	36	gdp	gdp	NOUN
cjfa-63101	89	37	)	)	PUNCT
cjfa-63101	89	38	)	)	PUNCT
cjfa-63101	89	39	financial	financial	ADJ
cjfa-63101	89	40	access	access	NOUN
cjfa-63101	89	41	survey	survey	NOUN
cjfa-63101	89	42	(	(	PUNCT
cjfa-63101	89	43	fas	fas	NOUN
cjfa-63101	89	44	)	)	PUNCT
cjfa-63101	89	45	fs	fs	ADP
cjfa-63101	89	46	bank	bank	PROPN
cjfa-63101	89	47	’s	’s	PART
cjfa-63101	89	48	z	z	PROPN
cjfa-63101	89	49	score	score	NOUN
cjfa-63101	89	50	global	global	PROPN
cjfa-63101	89	51	financial	financial	PROPN
cjfa-63101	89	52	development	development	PROPN
cjfa-63101	89	53	inf	inf	PROPN
cjfa-63101	89	54	overall	overall	ADJ
cjfa-63101	89	55	consumer	consumer	NOUN
cjfa-63101	89	56	price	price	NOUN
cjfa-63101	89	57	index	index	NOUN
cjfa-63101	89	58	(	(	PUNCT
cjfa-63101	89	59	non	non	ADJ
cjfa-63101	89	60	-	-	ADJ
cjfa-63101	89	61	food	food	NOUN
cjfa-63101	89	62	and	and	CCONJ
cjfa-63101	89	63	food	food	NOUN
cjfa-63101	89	64	)	)	PUNCT
cjfa-63101	89	65	world	world	NOUN
cjfa-63101	89	66	development	development	NOUN
cjfa-63101	89	67	indicators	indicator	NOUN
cjfa-63101	89	68	r	r	PROPN
cjfa-63101	89	69	central	central	PROPN
cjfa-63101	89	70	bank	bank	NOUN
cjfa-63101	89	71	policy	policy	NOUN
cjfa-63101	89	72	rate	rate	NOUN
cjfa-63101	89	73	world	world	PROPN
cjfa-63101	89	74	development	development	PROPN
cjfa-63101	89	75	indicators	indicator	NOUN
cjfa-63101	89	76	source	source	NOUN
cjfa-63101	89	77	:	:	PUNCT
cjfa-63101	89	78	fieldwork	fieldwork	NOUN
cjfa-63101	89	79	2022	2022	NUM
cjfa-63101	89	80	.	.	PUNCT
cjfa-63101	90	1	estimation	estimation	NOUN
cjfa-63101	90	2	and	and	CCONJ
cjfa-63101	90	3	analysis	analysis	NOUN
cjfa-63101	90	4	technique	technique	NOUN
cjfa-63101	90	5	quantile	quantile	ADJ
cjfa-63101	90	6	regression	regression	NOUN
cjfa-63101	90	7	(	(	PUNCT
cjfa-63101	90	8	qrm	qrm	PROPN
cjfa-63101	90	9	)	)	PUNCT
cjfa-63101	90	10	is	be	AUX
cjfa-63101	90	11	employed	employ	VERB
cjfa-63101	90	12	to	to	PART
cjfa-63101	90	13	investigate	investigate	VERB
cjfa-63101	90	14	the	the	DET
cjfa-63101	90	15	association	association	NOUN
cjfa-63101	90	16	between	between	ADP
cjfa-63101	90	17	fi	fi	NOUN
cjfa-63101	90	18	and	and	CCONJ
cjfa-63101	90	19	financial	financial	ADJ
cjfa-63101	90	20	stability	stability	NOUN
cjfa-63101	90	21	fs	fs	PROPN
cjfa-63101	90	22	,	,	PUNCT
cjfa-63101	90	23	offering	offer	VERB
cjfa-63101	90	24	a	a	DET
cjfa-63101	90	25	unique	unique	ADJ
cjfa-63101	90	26	approach	approach	NOUN
cjfa-63101	90	27	compared	compare	VERB
cjfa-63101	90	28	to	to	ADP
cjfa-63101	90	29	traditional	traditional	ADJ
cjfa-63101	90	30	methods	method	NOUN
cjfa-63101	90	31	,	,	PUNCT
cjfa-63101	90	32	such	such	ADJ
cjfa-63101	90	33	as	as	ADP
cjfa-63101	90	34	linear	linear	PROPN
cjfa-63101	90	35	regression	regression	NOUN
cjfa-63101	90	36	(	(	PUNCT
cjfa-63101	90	37	lrm	lrm	PROPN
cjfa-63101	90	38	)	)	PUNCT
cjfa-63101	90	39	,	,	PUNCT
cjfa-63101	90	40	autoregressive	autoregressive	ADJ
cjfa-63101	90	41	distributed	distribute	VERB
cjfa-63101	90	42	lag	lag	NOUN
cjfa-63101	90	43	(	(	PUNCT
cjfa-63101	90	44	ardl	ardl	NOUN
cjfa-63101	90	45	)	)	PUNCT
cjfa-63101	90	46	,	,	PUNCT
cjfa-63101	90	47	and	and	CCONJ
cjfa-63101	90	48	vector	vector	NOUN
cjfa-63101	90	49	error	error	NOUN
cjfa-63101	90	50	correction	correction	NOUN
cjfa-63101	90	51	models	model	NOUN
cjfa-63101	90	52	(	(	PUNCT
cjfa-63101	90	53	vecm	vecm	NOUN
cjfa-63101	90	54	)	)	PUNCT
cjfa-63101	90	55	.	.	PUNCT
cjfa-63101	91	1	the	the	DET
cjfa-63101	91	2	qrm	qrm	PROPN
cjfa-63101	91	3	overcomes	overcome	VERB
cjfa-63101	91	4	the	the	DET
cjfa-63101	91	5	limitations	limitation	NOUN
cjfa-63101	91	6	of	of	ADP
cjfa-63101	91	7	these	these	DET
cjfa-63101	91	8	models	model	NOUN
cjfa-63101	91	9	,	,	PUNCT
cjfa-63101	91	10	which	which	PRON
cjfa-63101	91	11	often	often	ADV
cjfa-63101	91	12	yield	yield	VERB
cjfa-63101	91	13	biased	biased	ADJ
cjfa-63101	91	14	results	result	NOUN
cjfa-63101	91	15	and	and	CCONJ
cjfa-63101	91	16	inaccurate	inaccurate	ADJ
cjfa-63101	91	17	hypothesis	hypothesis	NOUN
cjfa-63101	91	18	testing	testing	NOUN
cjfa-63101	91	19	when	when	SCONJ
cjfa-63101	91	20	data	datum	NOUN
cjfa-63101	91	21	are	be	AUX
cjfa-63101	91	22	not	not	PART
cjfa-63101	91	23	normally	normally	ADV
cjfa-63101	91	24	distributed	distribute	VERB
cjfa-63101	91	25	,	,	PUNCT
cjfa-63101	91	26	by	by	ADP
cjfa-63101	91	27	avoiding	avoid	VERB
cjfa-63101	91	28	normality	normality	NOUN
cjfa-63101	91	29	assumptions	assumption	NOUN
cjfa-63101	91	30	(	(	PUNCT
cjfa-63101	91	31	koenker	koenker	NOUN
cjfa-63101	91	32	&	&	CCONJ
cjfa-63101	91	33	hallock	hallock	PROPN
cjfa-63101	91	34	,	,	PUNCT
cjfa-63101	91	35	2001	2001	NUM
cjfa-63101	91	36	)	)	PUNCT
cjfa-63101	91	37	and	and	CCONJ
cjfa-63101	91	38	minimizing	minimize	VERB
cjfa-63101	91	39	asymmetrically	asymmetrically	ADV
cjfa-63101	91	40	weighted	weight	VERB
cjfa-63101	91	41	absolute	absolute	ADJ
cjfa-63101	91	42	residuals	residual	NOUN
cjfa-63101	91	43	(	(	PUNCT
cjfa-63101	91	44	koenker	koenker	NOUN
cjfa-63101	91	45	&	&	CCONJ
cjfa-63101	91	46	bassett	bassett	PROPN
cjfa-63101	91	47	,	,	PUNCT
cjfa-63101	91	48	1978	1978	NUM
cjfa-63101	91	49	)	)	PUNCT
cjfa-63101	91	50	,	,	PUNCT
cjfa-63101	91	51	thus	thus	ADV
cjfa-63101	91	52	providing	provide	VERB
cjfa-63101	91	53	more	more	ADV
cjfa-63101	91	54	reliable	reliable	ADJ
cjfa-63101	91	55	country	country	NOUN
cjfa-63101	91	56	-	-	PUNCT
cjfa-63101	91	57	specific	specific	ADJ
cjfa-63101	91	58	policy	policy	NOUN
cjfa-63101	91	59	recommendations	recommendation	NOUN
cjfa-63101	91	60	during	during	ADP
cjfa-63101	91	61	the	the	DET
cjfa-63101	91	62	different	different	ADJ
cjfa-63101	91	63	stages	stage	NOUN
cjfa-63101	91	64	of	of	ADP
cjfa-63101	91	65	fi	fi	NOUN
cjfa-63101	91	66	and	and	CCONJ
cjfa-63101	91	67	fs	fs	PROPN
cjfa-63101	91	68	.	.	PROPN
cjfa-63101	91	69	ardl	ardl	PROPN
cjfa-63101	91	70	and	and	CCONJ
cjfa-63101	91	71	vecm	vecm	NOUN
cjfa-63101	91	72	require	require	VERB
cjfa-63101	91	73	strict	strict	ADJ
cjfa-63101	91	74	integration	integration	NOUN
cjfa-63101	91	75	conditions	condition	NOUN
cjfa-63101	91	76	(	(	PUNCT
cjfa-63101	91	77	i(0	i(0	PROPN
cjfa-63101	91	78	)	)	PUNCT
cjfa-63101	91	79	or	or	CCONJ
cjfa-63101	91	80	i(1	i(1	PROPN
cjfa-63101	91	81	)	)	PUNCT
cjfa-63101	91	82	for	for	ADP
cjfa-63101	91	83	ardl	ardl	NOUN
cjfa-63101	91	84	and	and	CCONJ
cjfa-63101	91	85	i(1	i(1	PROPN
cjfa-63101	91	86	)	)	PUNCT
cjfa-63101	91	87	for	for	ADP
cjfa-63101	91	88	vecm	vecm	NOUN
cjfa-63101	91	89	,	,	PUNCT
cjfa-63101	91	90	respectively	respectively	ADV
cjfa-63101	91	91	)	)	PUNCT
cjfa-63101	91	92	,	,	PUNCT
cjfa-63101	91	93	limiting	limit	VERB
cjfa-63101	91	94	their	their	PRON
cjfa-63101	91	95	use	use	NOUN
cjfa-63101	91	96	if	if	SCONJ
cjfa-63101	91	97	the	the	DET
cjfa-63101	91	98	variables	variable	NOUN
cjfa-63101	91	99	exceed	exceed	VERB
cjfa-63101	91	100	these	these	DET
cjfa-63101	91	101	orders	order	NOUN
cjfa-63101	91	102	(	(	PUNCT
cjfa-63101	91	103	anokye	anokye	PROPN
cjfa-63101	91	104	&	&	CCONJ
cjfa-63101	91	105	peterson	peterson	PROPN
cjfa-63101	91	106	,	,	PUNCT
cjfa-63101	91	107	2017	2017	NUM
cjfa-63101	91	108	)	)	PUNCT
cjfa-63101	91	109	.	.	PUNCT
cjfa-63101	92	1	in	in	ADP
cjfa-63101	92	2	contrast	contrast	NOUN
cjfa-63101	92	3	,	,	PUNCT
cjfa-63101	92	4	qrm	qrm	PROPN
cjfa-63101	92	5	can	can	AUX
cjfa-63101	92	6	be	be	AUX
cjfa-63101	92	7	used	use	VERB
cjfa-63101	92	8	regardless	regardless	ADV
cjfa-63101	92	9	of	of	ADP
cjfa-63101	92	10	integration	integration	NOUN
cjfa-63101	92	11	order	order	NOUN
cjfa-63101	92	12	or	or	CCONJ
cjfa-63101	92	13	variable	variable	ADJ
cjfa-63101	92	14	differentiability	differentiability	NOUN
cjfa-63101	92	15	(	(	PUNCT
cjfa-63101	92	16	koenker	koenker	NOUN
cjfa-63101	92	17	&	&	CCONJ
cjfa-63101	92	18	hallock	hallock	PROPN
cjfa-63101	92	19	,	,	PUNCT
cjfa-63101	92	20	2001	2001	NUM
cjfa-63101	92	21	)	)	PUNCT
cjfa-63101	92	22	.	.	PUNCT
cjfa-63101	93	1	this	this	DET
cjfa-63101	93	2	study	study	NOUN
cjfa-63101	93	3	emphasizes	emphasize	VERB
cjfa-63101	93	4	the	the	DET
cjfa-63101	93	5	assessment	assessment	NOUN
cjfa-63101	93	6	of	of	ADP
cjfa-63101	93	7	variable	variable	ADJ
cjfa-63101	93	8	stationarity	stationarity	NOUN
cjfa-63101	93	9	before	before	ADP
cjfa-63101	93	10	choosing	choose	VERB
cjfa-63101	93	11	a	a	DET
cjfa-63101	93	12	time	time	NOUN
cjfa-63101	93	13	-	-	PUNCT
cjfa-63101	93	14	series	series	NOUN
cjfa-63101	93	15	estimation	estimation	NOUN
cjfa-63101	93	16	method	method	NOUN
cjfa-63101	93	17	.	.	PUNCT
cjfa-63101	94	1	stationarity	stationarity	NOUN
cjfa-63101	94	2	was	be	AUX
cjfa-63101	94	3	tested	test	VERB
cjfa-63101	94	4	using	use	VERB
cjfa-63101	94	5	the	the	DET
cjfa-63101	94	6	augmented	augment	VERB
cjfa-63101	94	7	dickey	dickey	NOUN
cjfa-63101	94	8	-	-	PUNCT
cjfa-63101	94	9	fuller	full	ADJ
cjfa-63101	94	10	(	(	PUNCT
cjfa-63101	94	11	adf	adf	NOUN
cjfa-63101	94	12	)	)	PUNCT
cjfa-63101	94	13	and	and	CCONJ
cjfa-63101	94	14	phillips	phillips	PROPN
cjfa-63101	94	15	–	–	PUNCT
cjfa-63101	94	16	perron	perron	X
cjfa-63101	94	17	(	(	PUNCT
cjfa-63101	94	18	pp	pp	ADJ
cjfa-63101	94	19	)	)	PUNCT
cjfa-63101	94	20	tests	test	NOUN
cjfa-63101	94	21	,	,	PUNCT
cjfa-63101	94	22	differing	differ	VERB
cjfa-63101	94	23	only	only	ADV
cjfa-63101	94	24	in	in	ADP
cjfa-63101	94	25	the	the	DET
cjfa-63101	94	26	autocorrelation	autocorrelation	NOUN
cjfa-63101	94	27	correction	correction	NOUN
cjfa-63101	94	28	method	method	NOUN
cjfa-63101	94	29	for	for	ADP
cjfa-63101	94	30	residuals	residual	NOUN
cjfa-63101	94	31	.	.	PUNCT
cjfa-63101	95	1	both	both	DET
cjfa-63101	95	2	tests	test	NOUN
cjfa-63101	95	3	compare	compare	VERB
cjfa-63101	95	4	the	the	DET
cjfa-63101	95	5	alternative	alternative	ADJ
cjfa-63101	95	6	hypothesis	hypothesis	NOUN
cjfa-63101	95	7	of	of	ADP
cjfa-63101	95	8	no	no	DET
cjfa-63101	95	9	unit	unit	NOUN
cjfa-63101	95	10	root	root	NOUN
cjfa-63101	95	11	with	with	ADP
cjfa-63101	95	12	the	the	DET
cjfa-63101	95	13	null	null	ADJ
cjfa-63101	95	14	hypothesis	hypothesis	NOUN
cjfa-63101	95	15	that	that	PRON
cjfa-63101	95	16	the	the	DET
cjfa-63101	95	17	variables	variable	NOUN
cjfa-63101	95	18	have	have	VERB
cjfa-63101	95	19	a	a	DET
cjfa-63101	95	20	unit	unit	NOUN
cjfa-63101	95	21	root	root	NOUN
cjfa-63101	95	22	.	.	PUNCT
cjfa-63101	96	1	the	the	DET
cjfa-63101	96	2	adf	adf	PROPN
cjfa-63101	96	3	and	and	CCONJ
cjfa-63101	96	4	pp	pp	ADP
cjfa-63101	96	5	formulations	formulation	NOUN
cjfa-63101	96	6	are	be	AUX
cjfa-63101	96	7	given	give	VERB
cjfa-63101	96	8	in	in	ADP
cjfa-63101	96	9	models	model	NOUN
cjfa-63101	96	10	4	4	NUM
cjfa-63101	96	11	and	and	CCONJ
cjfa-63101	96	12	5	5	NUM
cjfa-63101	96	13	as	as	SCONJ
cjfa-63101	96	14	follows	follow	VERB
cjfa-63101	96	15	:	:	PUNCT
cjfa-63101	96	16	δyt	δyt	ADP
cjfa-63101	96	17	=	=	SYM
cjfa-63101	96	18	µ	µ	X
cjfa-63101	96	19	+	+	NUM
cjfa-63101	96	20	δt	δt	X
cjfa-63101	96	21	+	+	CCONJ
cjfa-63101	96	22	ρyt-1	ρyt-1	NUM
cjfa-63101	96	23	+	+	CCONJ
cjfa-63101	96	24	∑	∑	PUNCT
cjfa-63101	96	25	ψ	ψ	PROPN
cjfa-63101	96	26	�	�	PROPN
cjfa-63101	96	27	�	�	PROPN
cjfa-63101	96	28	�	�	PROPN
cjfa-63101	96	29	�	�	PROPN
cjfa-63101	96	30	�	�	PROPN
cjfa-63101	96	31	δy	δy	PROPN
cjfa-63101	96	32	�	�	PROPN
cjfa-63101	96	33	�	�	PROPN
cjfa-63101	96	34	�	�	PROPN
cjfa-63101	96	35	+	+	CCONJ
cjfa-63101	96	36	εt	εt	PROPN
cjfa-63101	96	37	δyt	δyt	ADP
cjfa-63101	96	38	=	=	PUNCT
cjfa-63101	96	39	µ	µ	X
cjfa-63101	96	40	+	+	NUM
cjfa-63101	96	41	δt	δt	X
cjfa-63101	96	42	+	+	CCONJ
cjfa-63101	96	43	ρyt-1	ρyt-1	NUM
cjfa-63101	96	44	+	+	CCONJ
cjfa-63101	96	45	ѱ	ѱ	PROPN
cjfa-63101	96	46	�	�	PROPN
cjfa-63101	96	47	y	y	PROPN
cjfa-63101	96	48	�	�	PROPN
cjfa-63101	96	49	�	�	PROPN
cjfa-63101	96	50	�	�	PROPN
cjfa-63101	96	51	+	+	CCONJ
cjfa-63101	96	52	εt	εt	PROPN
cjfa-63101	96	53	yt	yt	PROPN
cjfa-63101	96	54	represents	represent	VERB
cjfa-63101	96	55	the	the	DET
cjfa-63101	96	56	series	series	NOUN
cjfa-63101	96	57	at	at	ADP
cjfa-63101	96	58	time	time	NOUN
cjfa-63101	96	59	t	t	PROPN
cjfa-63101	96	60	;	;	PUNCT
cjfa-63101	96	61	δ	δ	PROPN
cjfa-63101	96	62	is	be	AUX
cjfa-63101	96	63	the	the	DET
cjfa-63101	96	64	difference	difference	NOUN
cjfa-63101	96	65	operator	operator	NOUN
cjfa-63101	96	66	;	;	PUNCT
cjfa-63101	96	67	µ	µ	NUM
cjfa-63101	96	68	,	,	PUNCT
cjfa-63101	96	69	δ	δ	PROPN
cjfa-63101	96	70	,	,	PUNCT
cjfa-63101	96	71	ρ	ρ	PROPN
cjfa-63101	96	72	,	,	PUNCT
cjfa-63101	96	73	and	and	CCONJ
cjfa-63101	96	74	ψ	ψ	NOUN
cjfa-63101	96	75	are	be	AUX
cjfa-63101	96	76	the	the	DET
cjfa-63101	96	77	parameters	parameter	NOUN
cjfa-63101	96	78	to	to	PART
cjfa-63101	96	79	be	be	AUX
cjfa-63101	96	80	estimated	estimate	VERB
cjfa-63101	96	81	;	;	PUNCT
cjfa-63101	96	82	and	and	CCONJ
cjfa-63101	96	83	ε	ε	PROPN
cjfa-63101	96	84	is	be	AUX
cjfa-63101	96	85	the	the	DET
cjfa-63101	96	86	error	error	NOUN
cjfa-63101	96	87	term	term	NOUN
cjfa-63101	96	88	.	.	PUNCT
cjfa-63101	97	1	the	the	DET
cjfa-63101	97	2	hypotheses	hypothesis	NOUN
cjfa-63101	97	3	test	test	NOUN
cjfa-63101	97	4	was	be	AUX
cjfa-63101	97	5	as	as	SCONJ
cjfa-63101	97	6	follows	follow	VERB
cjfa-63101	97	7	:	:	PUNCT
cjfa-63101	97	8	h0	h0	NOUN
cjfa-63101	97	9	:	:	PUNCT
cjfa-63101	97	10	ρ	ρ	PROPN
cjfa-63101	97	11	=	=	SYM
cjfa-63101	97	12	0	0	NUM
cjfa-63101	98	1	(	(	PUNCT
cjfa-63101	98	2	series	series	NOUN
cjfa-63101	98	3	contains	contain	VERB
cjfa-63101	98	4	unit	unit	NOUN
cjfa-63101	98	5	root	root	NOUN
cjfa-63101	98	6	,	,	PUNCT
cjfa-63101	98	7	non	non	ADJ
cjfa-63101	98	8	-	-	ADJ
cjfa-63101	98	9	stationary	stationary	ADJ
cjfa-63101	98	10	)	)	PUNCT
cjfa-63101	98	11	h1	h1	PROPN
cjfa-63101	98	12	:	:	PUNCT
cjfa-63101	98	13	ρ	ρ	PROPN
cjfa-63101	98	14	≠	≠	PROPN
cjfa-63101	98	15	0	0	NUM
cjfa-63101	99	1	(	(	PUNCT
cjfa-63101	99	2	series	series	NOUN
cjfa-63101	99	3	has	have	VERB
cjfa-63101	99	4	no	no	DET
cjfa-63101	99	5	unit	unit	NOUN
cjfa-63101	99	6	root	root	NOUN
cjfa-63101	99	7	,	,	PUNCT
cjfa-63101	99	8	indicating	indicate	VERB
cjfa-63101	99	9	stationarity	stationarity	NOUN
cjfa-63101	99	10	)	)	PUNCT
cjfa-63101	99	11	.	.	PUNCT
cjfa-63101	100	1	the	the	DET
cjfa-63101	100	2	null	null	ADJ
cjfa-63101	100	3	hypothesis	hypothesis	NOUN
cjfa-63101	100	4	(	(	PUNCT
cjfa-63101	100	5	ho	ho	PROPN
cjfa-63101	100	6	)	)	PUNCT
cjfa-63101	100	7	is	be	AUX
cjfa-63101	100	8	accepted	accept	VERB
cjfa-63101	100	9	if	if	SCONJ
cjfa-63101	100	10	the	the	DET
cjfa-63101	100	11	estimated	estimate	VERB
cjfa-63101	100	12	t	t	NOUN
cjfa-63101	100	13	-	-	PUNCT
cjfa-63101	100	14	values	value	NOUN
cjfa-63101	100	15	are	be	AUX
cjfa-63101	100	16	less	less	ADV
cjfa-63101	100	17	negative	negative	ADJ
cjfa-63101	100	18	in	in	ADP
cjfa-63101	100	19	absolute	absolute	ADJ
cjfa-63101	100	20	terms	term	NOUN
cjfa-63101	100	21	than	than	ADP
cjfa-63101	100	22	the	the	DET
cjfa-63101	100	23	critical	critical	ADJ
cjfa-63101	100	24	dickey	dickey	NOUN
cjfa-63101	100	25	-	-	PUNCT
cjfa-63101	100	26	fuller	full	ADJ
cjfa-63101	100	27	(	(	PUNCT
cjfa-63101	100	28	df	df	NOUN
cjfa-63101	100	29	)	)	PUNCT
cjfa-63101	100	30	values	value	NOUN
cjfa-63101	100	31	,	,	PUNCT
cjfa-63101	100	32	indicating	indicate	VERB
cjfa-63101	100	33	that	that	SCONJ
cjfa-63101	100	34	the	the	DET
cjfa-63101	100	35	series	series	NOUN
cjfa-63101	100	36	has	have	VERB
cjfa-63101	100	37	a	a	DET
cjfa-63101	100	38	unit	unit	NOUN
cjfa-63101	100	39	root	root	NOUN
cjfa-63101	100	40	or	or	CCONJ
cjfa-63101	100	41	is	be	AUX
cjfa-63101	100	42	integrated	integrate	VERB
cjfa-63101	100	43	beyond	beyond	ADP
cjfa-63101	100	44	order	order	NOUN
cjfa-63101	100	45	one	one	NUM
cjfa-63101	100	46	,	,	PUNCT
cjfa-63101	100	47	or	or	CCONJ
cjfa-63101	100	48	i(1	i(1	PROPN
cjfa-63101	100	49	)	)	PUNCT
cjfa-63101	100	50	.	.	PUNCT
cjfa-63101	101	1	if	if	SCONJ
cjfa-63101	101	2	the	the	DET
cjfa-63101	101	3	t	t	NOUN
cjfa-63101	101	4	-	-	PUNCT
cjfa-63101	101	5	values	value	NOUN
cjfa-63101	101	6	are	be	AUX
cjfa-63101	101	7	more	more	ADV
cjfa-63101	101	8	negative	negative	ADJ
cjfa-63101	101	9	than	than	ADP
cjfa-63101	101	10	the	the	DET
cjfa-63101	101	11	critical	critical	ADJ
cjfa-63101	101	12	df	df	NOUN
cjfa-63101	101	13	values	value	NOUN
cjfa-63101	101	14	,	,	PUNCT
cjfa-63101	101	15	the	the	DET
cjfa-63101	101	16	null	null	ADJ
cjfa-63101	101	17	hypothesis	hypothesis	NOUN
cjfa-63101	101	18	(	(	PUNCT
cjfa-63101	101	19	ho	ho	PROPN
cjfa-63101	101	20	)	)	PUNCT
cjfa-63101	101	21	is	be	AUX
cjfa-63101	101	22	rejected	reject	VERB
cjfa-63101	101	23	in	in	ADP
cjfa-63101	101	24	favor	favor	NOUN
cjfa-63101	101	25	of	of	ADP
cjfa-63101	101	26	the	the	DET
cjfa-63101	101	27	alternative	alternative	ADJ
cjfa-63101	101	28	hypothesis	hypothesis	NOUN
cjfa-63101	101	29	(	(	PUNCT
cjfa-63101	101	30	h1	h1	PROPN
cjfa-63101	101	31	)	)	PUNCT
cjfa-63101	101	32	,	,	PUNCT
cjfa-63101	101	33	suggesting	suggest	VERB
cjfa-63101	101	34	that	that	SCONJ
cjfa-63101	101	35	the	the	DET
cjfa-63101	101	36	series	series	NOUN
cjfa-63101	101	37	does	do	AUX
cjfa-63101	101	38	not	not	PART
cjfa-63101	101	39	have	have	VERB
cjfa-63101	101	40	a	a	DET
cjfa-63101	101	41	unit	unit	NOUN
cjfa-63101	101	42	root	root	NOUN
cjfa-63101	101	43	or	or	CCONJ
cjfa-63101	101	44	is	be	AUX
cjfa-63101	101	45	not	not	PART
cjfa-63101	101	46	integrated	integrate	VERB
cjfa-63101	101	47	beyond	beyond	ADP
cjfa-63101	101	48	order	order	NOUN
cjfa-63101	101	49	one	one	NUM
cjfa-63101	101	50	or	or	CCONJ
cjfa-63101	101	51	i(1	i(1	NOUN
cjfa-63101	101	52	)	)	PUNCT
cjfa-63101	101	53	.	.	PUNCT
cjfa-63101	102	1	philomina	philomina	PROPN
cjfa-63101	102	2	maku	maku	PROPN
cjfa-63101	102	3	narh	narh	PROPN
cjfa-63101	102	4	,	,	PUNCT
cjfa-63101	102	5	collins	collins	PROPN
cjfa-63101	102	6	dodzi	dodzi	PROPN
cjfa-63101	102	7	dzitse5454	dzitse5454	PROPN
cjfa-63101	102	8	quantile	quantile	ADJ
cjfa-63101	102	9	regression	regression	NOUN
cjfa-63101	102	10	analysisquantile	analysisquantile	ADJ
cjfa-63101	102	11	regression	regression	NOUN
cjfa-63101	102	12	analysis	analysis	NOUN
cjfa-63101	102	13	the	the	DET
cjfa-63101	102	14	primary	primary	ADJ
cjfa-63101	102	15	analysis	analysis	NOUN
cjfa-63101	102	16	of	of	ADP
cjfa-63101	102	17	the	the	DET
cjfa-63101	102	18	financial	financial	ADJ
cjfa-63101	102	19	stability	stability	NOUN
cjfa-63101	102	20	and	and	CCONJ
cjfa-63101	102	21	inclusion	inclusion	NOUN
cjfa-63101	102	22	relationship	relationship	NOUN
cjfa-63101	102	23	was	be	AUX
cjfa-63101	102	24	conducted	conduct	VERB
cjfa-63101	102	25	using	use	VERB
cjfa-63101	102	26	qrm	qrm	PROPN
cjfa-63101	102	27	.	.	PUNCT
cjfa-63101	103	1	qrm	qrm	PROPN
cjfa-63101	103	2	is	be	AUX
cjfa-63101	103	3	more	more	ADV
cjfa-63101	103	4	suitable	suitable	ADJ
cjfa-63101	103	5	than	than	ADP
cjfa-63101	103	6	classical	classical	ADJ
cjfa-63101	103	7	lrm	lrm	NOUN
cjfa-63101	103	8	in	in	ADP
cjfa-63101	103	9	assessing	assess	VERB
cjfa-63101	103	10	the	the	DET
cjfa-63101	103	11	impact	impact	NOUN
cjfa-63101	103	12	of	of	ADP
cjfa-63101	103	13	financial	financial	ADJ
cjfa-63101	103	14	inclusion	inclusion	NOUN
cjfa-63101	103	15	on	on	ADP
cjfa-63101	103	16	financial	financial	ADJ
cjfa-63101	103	17	stability	stability	NOUN
cjfa-63101	103	18	across	across	ADP
cjfa-63101	103	19	various	various	ADJ
cjfa-63101	103	20	stability	stability	NOUN
cjfa-63101	103	21	stages	stage	NOUN
cjfa-63101	103	22	.	.	PUNCT
cjfa-63101	104	1	this	this	PRON
cjfa-63101	104	2	is	be	AUX
cjfa-63101	104	3	significant	significant	ADJ
cjfa-63101	104	4	because	because	SCONJ
cjfa-63101	104	5	differing	differ	VERB
cjfa-63101	104	6	financial	financial	ADJ
cjfa-63101	104	7	development	development	NOUN
cjfa-63101	104	8	policies	policy	NOUN
cjfa-63101	104	9	may	may	AUX
cjfa-63101	104	10	be	be	AUX
cjfa-63101	104	11	necessary	necessary	ADJ
cjfa-63101	104	12	based	base	VERB
cjfa-63101	104	13	on	on	ADP
cjfa-63101	104	14	the	the	DET
cjfa-63101	104	15	severity	severity	NOUN
cjfa-63101	104	16	of	of	ADP
cjfa-63101	104	17	economic	economic	ADJ
cjfa-63101	104	18	growth	growth	NOUN
cjfa-63101	104	19	.	.	PUNCT
cjfa-63101	105	1	this	this	DET
cjfa-63101	105	2	study	study	NOUN
cjfa-63101	105	3	investigates	investigate	VERB
cjfa-63101	105	4	this	this	DET
cjfa-63101	105	5	relationship	relationship	NOUN
cjfa-63101	105	6	at	at	ADP
cjfa-63101	105	7	varying	vary	VERB
cjfa-63101	105	8	levels	level	NOUN
cjfa-63101	105	9	of	of	ADP
cjfa-63101	105	10	financial	financial	ADJ
cjfa-63101	105	11	stability	stability	NOUN
cjfa-63101	105	12	and	and	CCONJ
cjfa-63101	105	13	enhances	enhance	VERB
cjfa-63101	105	14	the	the	DET
cjfa-63101	105	15	quantile	quantile	ADJ
cjfa-63101	105	16	regression	regression	NOUN
cjfa-63101	105	17	model	model	NOUN
cjfa-63101	105	18	proposed	propose	VERB
cjfa-63101	105	19	by	by	ADP
cjfa-63101	105	20	koenker	koenker	NOUN
cjfa-63101	105	21	and	and	CCONJ
cjfa-63101	105	22	bassett	bassett	PROPN
cjfa-63101	105	23	(	(	PUNCT
cjfa-63101	105	24	1978	1978	NUM
cjfa-63101	105	25	)	)	PUNCT
cjfa-63101	105	26	.	.	PUNCT
cjfa-63101	106	1	the	the	DET
cjfa-63101	106	2	quantile	quantile	ADJ
cjfa-63101	106	3	regression	regression	NOUN
cjfa-63101	106	4	function	function	NOUN
cjfa-63101	106	5	is	be	AUX
cjfa-63101	106	6	as	as	SCONJ
cjfa-63101	106	7	follows	follow	VERB
cjfa-63101	106	8	:	:	PUNCT
cjfa-63101	106	9	𝑄𝜏(fs𝑖|x𝑖	𝑄𝜏(fs𝑖|x𝑖	X
cjfa-63101	106	10	)	)	PUNCT
cjfa-63101	107	1	=	=	NOUN
cjfa-63101	107	2	𝛽𝜏x𝑖	𝛽𝜏x𝑖	NOUN
cjfa-63101	107	3	fs	fs	ADP
cjfa-63101	107	4	denotes	denotes	PROPN
cjfa-63101	107	5	financial	financial	ADJ
cjfa-63101	107	6	stability	stability	NOUN
cjfa-63101	107	7	and	and	CCONJ
cjfa-63101	107	8	x	x	PRON
cjfa-63101	107	9	is	be	AUX
cjfa-63101	107	10	a	a	DET
cjfa-63101	107	11	vector	vector	NOUN
cjfa-63101	107	12	of	of	ADP
cjfa-63101	107	13	independent	independent	ADJ
cjfa-63101	107	14	variables	variable	NOUN
cjfa-63101	107	15	.	.	PUNCT
cjfa-63101	108	1	this	this	DET
cjfa-63101	108	2	equation	equation	NOUN
cjfa-63101	108	3	represents	represent	VERB
cjfa-63101	108	4	the	the	DET
cjfa-63101	108	5	conditional	conditional	ADJ
cjfa-63101	108	6	mean	mean	NOUN
cjfa-63101	108	7	equation	equation	NOUN
cjfa-63101	108	8	.	.	PUNCT
cjfa-63101	109	1	by	by	ADP
cjfa-63101	109	2	solving	solve	VERB
cjfa-63101	109	3	the	the	DET
cjfa-63101	109	4	following	follow	VERB
cjfa-63101	109	5	optimization	optimization	NOUN
cjfa-63101	109	6	problem	problem	NOUN
cjfa-63101	109	7	,	,	PUNCT
cjfa-63101	109	8	the	the	DET
cjfa-63101	109	9	qrm	qrm	PROPN
cjfa-63101	109	10	parameters	parameter	NOUN
cjfa-63101	109	11	at	at	ADP
cjfa-63101	109	12	the	the	DET
cjfa-63101	109	13	𝜏th	𝜏th	ADJ
cjfa-63101	109	14	quantiles	quantile	NOUN
cjfa-63101	109	15	are	be	AUX
cjfa-63101	109	16	estimated	estimate	VERB
cjfa-63101	109	17	:	:	PUNCT
cjfa-63101	109	18	yt	yt	NOUN
cjfa-63101	109	19	represents	represent	VERB
cjfa-63101	109	20	the	the	DET
cjfa-63101	109	21	series	series	NOUN
cjfa-63101	109	22	at	at	ADP
cjfa-63101	109	23	time	time	NOUN
cjfa-63101	109	24	t	t	PROPN
cjfa-63101	109	25	;	;	PUNCT
cjfa-63101	109	26	δ	δ	PROPN
cjfa-63101	109	27	is	be	AUX
cjfa-63101	109	28	the	the	DET
cjfa-63101	109	29	difference	difference	NOUN
cjfa-63101	109	30	operator	operator	NOUN
cjfa-63101	109	31	;	;	PUNCT
cjfa-63101	109	32	µ	µ	NUM
cjfa-63101	109	33	,	,	PUNCT
cjfa-63101	109	34	δ	δ	PROPN
cjfa-63101	109	35	,	,	PUNCT
cjfa-63101	109	36	ρ	ρ	PROPN
cjfa-63101	109	37	,	,	PUNCT
cjfa-63101	109	38	and	and	CCONJ
cjfa-63101	109	39	ψ	ψ	NOUN
cjfa-63101	109	40	are	be	AUX
cjfa-63101	109	41	the	the	DET
cjfa-63101	109	42	parameters	parameter	NOUN
cjfa-63101	109	43	to	to	PART
cjfa-63101	109	44	be	be	AUX
cjfa-63101	109	45	estimated	estimate	VERB
cjfa-63101	109	46	;	;	PUNCT
cjfa-63101	109	47	and	and	CCONJ
cjfa-63101	109	48	ε	ε	PROPN
cjfa-63101	109	49	is	be	AUX
cjfa-63101	109	50	the	the	DET
cjfa-63101	109	51	error	error	NOUN
cjfa-63101	109	52	term	term	NOUN
cjfa-63101	109	53	.	.	PUNCT
cjfa-63101	110	1	the	the	DET
cjfa-63101	110	2	hypotheses	hypothesis	NOUN
cjfa-63101	110	3	test	test	NOUN
cjfa-63101	110	4	was	be	AUX
cjfa-63101	110	5	as	as	SCONJ
cjfa-63101	110	6	follows	follow	VERB
cjfa-63101	110	7	:	:	PUNCT
cjfa-63101	110	8	h0	h0	NOUN
cjfa-63101	110	9	:	:	PUNCT
cjfa-63101	110	10	ρ	ρ	PROPN
cjfa-63101	110	11	=	=	SYM
cjfa-63101	110	12	0	0	NUM
cjfa-63101	111	1	(	(	PUNCT
cjfa-63101	111	2	series	series	NOUN
cjfa-63101	111	3	contains	contain	VERB
cjfa-63101	111	4	unit	unit	NOUN
cjfa-63101	111	5	root	root	NOUN
cjfa-63101	111	6	,	,	PUNCT
cjfa-63101	111	7	non	non	ADJ
cjfa-63101	111	8	-	-	ADJ
cjfa-63101	111	9	stationary	stationary	ADJ
cjfa-63101	111	10	)	)	PUNCT
cjfa-63101	111	11	h1	h1	PROPN
cjfa-63101	111	12	:	:	PUNCT
cjfa-63101	111	13	ρ	ρ	PROPN
cjfa-63101	111	14	≠	≠	PROPN
cjfa-63101	111	15	0	0	NUM
cjfa-63101	112	1	(	(	PUNCT
cjfa-63101	112	2	series	series	NOUN
cjfa-63101	112	3	has	have	VERB
cjfa-63101	112	4	no	no	DET
cjfa-63101	112	5	unit	unit	NOUN
cjfa-63101	112	6	root	root	NOUN
cjfa-63101	112	7	,	,	PUNCT
cjfa-63101	112	8	indicating	indicate	VERB
cjfa-63101	112	9	stationarity	stationarity	NOUN
cjfa-63101	112	10	)	)	PUNCT
cjfa-63101	112	11	.	.	PUNCT
cjfa-63101	113	1	the	the	DET
cjfa-63101	113	2	null	null	ADJ
cjfa-63101	113	3	hypothesis	hypothesis	NOUN
cjfa-63101	113	4	(	(	PUNCT
cjfa-63101	113	5	ho	ho	PROPN
cjfa-63101	113	6	)	)	PUNCT
cjfa-63101	113	7	is	be	AUX
cjfa-63101	113	8	accepted	accept	VERB
cjfa-63101	113	9	if	if	SCONJ
cjfa-63101	113	10	the	the	DET
cjfa-63101	113	11	estimated	estimate	VERB
cjfa-63101	113	12	t	t	NOUN
cjfa-63101	113	13	-	-	PUNCT
cjfa-63101	113	14	values	value	NOUN
cjfa-63101	113	15	are	be	AUX
cjfa-63101	113	16	less	less	ADV
cjfa-63101	113	17	negative	negative	ADJ
cjfa-63101	113	18	in	in	ADP
cjfa-63101	113	19	absolute	absolute	ADJ
cjfa-63101	113	20	terms	term	NOUN
cjfa-63101	113	21	than	than	ADP
cjfa-63101	113	22	the	the	DET
cjfa-63101	113	23	critical	critical	ADJ
cjfa-63101	113	24	dickey	dickey	NOUN
cjfa-63101	113	25	-	-	PUNCT
cjfa-63101	113	26	fuller	full	ADJ
cjfa-63101	113	27	(	(	PUNCT
cjfa-63101	113	28	df	df	NOUN
cjfa-63101	113	29	)	)	PUNCT
cjfa-63101	113	30	values	value	NOUN
cjfa-63101	113	31	,	,	PUNCT
cjfa-63101	113	32	indicating	indicate	VERB
cjfa-63101	113	33	that	that	SCONJ
cjfa-63101	113	34	the	the	DET
cjfa-63101	113	35	series	series	NOUN
cjfa-63101	113	36	has	have	VERB
cjfa-63101	113	37	a	a	DET
cjfa-63101	113	38	unit	unit	NOUN
cjfa-63101	113	39	root	root	NOUN
cjfa-63101	113	40	or	or	CCONJ
cjfa-63101	113	41	is	be	AUX
cjfa-63101	113	42	integrated	integrate	VERB
cjfa-63101	113	43	beyond	beyond	ADP
cjfa-63101	113	44	order	order	NOUN
cjfa-63101	113	45	one	one	NUM
cjfa-63101	113	46	,	,	PUNCT
cjfa-63101	113	47	or	or	CCONJ
cjfa-63101	113	48	i(1	i(1	PROPN
cjfa-63101	113	49	)	)	PUNCT
cjfa-63101	113	50	.	.	PUNCT
cjfa-63101	114	1	if	if	SCONJ
cjfa-63101	114	2	the	the	DET
cjfa-63101	114	3	t	t	NOUN
cjfa-63101	114	4	-	-	PUNCT
cjfa-63101	114	5	values	value	NOUN
cjfa-63101	114	6	are	be	AUX
cjfa-63101	114	7	more	more	ADV
cjfa-63101	114	8	negative	negative	ADJ
cjfa-63101	114	9	than	than	ADP
cjfa-63101	114	10	the	the	DET
cjfa-63101	114	11	critical	critical	ADJ
cjfa-63101	114	12	df	df	NOUN
cjfa-63101	114	13	values	value	NOUN
cjfa-63101	114	14	,	,	PUNCT
cjfa-63101	114	15	the	the	DET
cjfa-63101	114	16	null	null	ADJ
cjfa-63101	114	17	hypothesis	hypothesis	NOUN
cjfa-63101	114	18	(	(	PUNCT
cjfa-63101	114	19	ho	ho	PROPN
cjfa-63101	114	20	)	)	PUNCT
cjfa-63101	114	21	is	be	AUX
cjfa-63101	114	22	rejected	reject	VERB
cjfa-63101	114	23	in	in	ADP
cjfa-63101	114	24	favor	favor	NOUN
cjfa-63101	114	25	of	of	ADP
cjfa-63101	114	26	the	the	DET
cjfa-63101	114	27	alternative	alternative	ADJ
cjfa-63101	114	28	hypothesis	hypothesis	NOUN
cjfa-63101	114	29	(	(	PUNCT
cjfa-63101	114	30	h1	h1	PROPN
cjfa-63101	114	31	)	)	PUNCT
cjfa-63101	114	32	,	,	PUNCT
cjfa-63101	114	33	suggesting	suggest	VERB
cjfa-63101	114	34	that	that	SCONJ
cjfa-63101	114	35	the	the	DET
cjfa-63101	114	36	series	series	NOUN
cjfa-63101	114	37	does	do	AUX
cjfa-63101	114	38	not	not	PART
cjfa-63101	114	39	have	have	VERB
cjfa-63101	114	40	a	a	DET
cjfa-63101	114	41	unit	unit	NOUN
cjfa-63101	114	42	root	root	NOUN
cjfa-63101	114	43	or	or	CCONJ
cjfa-63101	114	44	is	be	AUX
cjfa-63101	114	45	not	not	PART
cjfa-63101	114	46	integrated	integrate	VERB
cjfa-63101	114	47	beyond	beyond	ADP
cjfa-63101	114	48	order	order	NOUN
cjfa-63101	114	49	one	one	NUM
cjfa-63101	114	50	or	or	CCONJ
cjfa-63101	114	51	i(1	i(1	NOUN
cjfa-63101	114	52	)	)	PUNCT
cjfa-63101	114	53	.	.	PUNCT
cjfa-63101	115	1	quantile	quantile	ADJ
cjfa-63101	115	2	regression	regression	NOUN
cjfa-63101	115	3	analysis	analysis	NOUN
cjfa-63101	115	4	the	the	DET
cjfa-63101	115	5	primary	primary	ADJ
cjfa-63101	115	6	analysis	analysis	NOUN
cjfa-63101	115	7	of	of	ADP
cjfa-63101	115	8	the	the	DET
cjfa-63101	115	9	financial	financial	ADJ
cjfa-63101	115	10	stability	stability	NOUN
cjfa-63101	115	11	and	and	CCONJ
cjfa-63101	115	12	inclusion	inclusion	NOUN
cjfa-63101	115	13	relationship	relationship	NOUN
cjfa-63101	115	14	was	be	AUX
cjfa-63101	115	15	conducted	conduct	VERB
cjfa-63101	115	16	using	use	VERB
cjfa-63101	115	17	qrm	qrm	PROPN
cjfa-63101	115	18	.	.	PUNCT
cjfa-63101	116	1	qrm	qrm	PROPN
cjfa-63101	116	2	is	be	AUX
cjfa-63101	116	3	more	more	ADV
cjfa-63101	116	4	suitable	suitable	ADJ
cjfa-63101	116	5	than	than	ADP
cjfa-63101	116	6	classical	classical	ADJ
cjfa-63101	116	7	lrm	lrm	NOUN
cjfa-63101	116	8	in	in	ADP
cjfa-63101	116	9	assessing	assess	VERB
cjfa-63101	116	10	the	the	DET
cjfa-63101	116	11	impact	impact	NOUN
cjfa-63101	116	12	of	of	ADP
cjfa-63101	116	13	financial	financial	ADJ
cjfa-63101	116	14	inclusion	inclusion	NOUN
cjfa-63101	116	15	on	on	ADP
cjfa-63101	116	16	financial	financial	ADJ
cjfa-63101	116	17	stability	stability	NOUN
cjfa-63101	116	18	across	across	ADP
cjfa-63101	116	19	various	various	ADJ
cjfa-63101	116	20	stability	stability	NOUN
cjfa-63101	116	21	stages	stage	NOUN
cjfa-63101	116	22	.	.	PUNCT
cjfa-63101	117	1	this	this	PRON
cjfa-63101	117	2	is	be	AUX
cjfa-63101	117	3	significant	significant	ADJ
cjfa-63101	117	4	because	because	SCONJ
cjfa-63101	117	5	differing	differ	VERB
cjfa-63101	117	6	financial	financial	ADJ
cjfa-63101	117	7	development	development	NOUN
cjfa-63101	117	8	policies	policy	NOUN
cjfa-63101	117	9	may	may	AUX
cjfa-63101	117	10	be	be	AUX
cjfa-63101	117	11	necessary	necessary	ADJ
cjfa-63101	117	12	based	base	VERB
cjfa-63101	117	13	on	on	ADP
cjfa-63101	117	14	the	the	DET
cjfa-63101	117	15	severity	severity	NOUN
cjfa-63101	117	16	of	of	ADP
cjfa-63101	117	17	economic	economic	ADJ
cjfa-63101	117	18	growth	growth	NOUN
cjfa-63101	117	19	.	.	PUNCT
cjfa-63101	118	1	this	this	DET
cjfa-63101	118	2	study	study	NOUN
cjfa-63101	118	3	investigates	investigate	VERB
cjfa-63101	118	4	this	this	DET
cjfa-63101	118	5	relationship	relationship	NOUN
cjfa-63101	118	6	at	at	ADP
cjfa-63101	118	7	varying	vary	VERB
cjfa-63101	118	8	levels	level	NOUN
cjfa-63101	118	9	of	of	ADP
cjfa-63101	118	10	financial	financial	ADJ
cjfa-63101	118	11	stability	stability	NOUN
cjfa-63101	118	12	and	and	CCONJ
cjfa-63101	118	13	enhances	enhance	VERB
cjfa-63101	118	14	the	the	DET
cjfa-63101	118	15	quantile	quantile	ADJ
cjfa-63101	118	16	regression	regression	NOUN
cjfa-63101	118	17	model	model	NOUN
cjfa-63101	118	18	proposed	propose	VERB
cjfa-63101	118	19	by	by	ADP
cjfa-63101	118	20	koenker	koenker	NOUN
cjfa-63101	118	21	and	and	CCONJ
cjfa-63101	118	22	bassett	bassett	PROPN
cjfa-63101	118	23	(	(	PUNCT
cjfa-63101	118	24	1978	1978	NUM
cjfa-63101	118	25	)	)	PUNCT
cjfa-63101	118	26	.	.	PUNCT
cjfa-63101	119	1	the	the	DET
cjfa-63101	119	2	quantile	quantile	ADJ
cjfa-63101	119	3	regression	regression	NOUN
cjfa-63101	119	4	function	function	NOUN
cjfa-63101	119	5	is	be	AUX
cjfa-63101	119	6	as	as	SCONJ
cjfa-63101	119	7	follows	follow	VERB
cjfa-63101	119	8	:	:	PUNCT
cjfa-63101	119	9	𝑄𝑄𝜏𝜏(fs𝑖𝑖|x𝑖𝑖	𝑄𝑄𝜏𝜏(fs𝑖𝑖|x𝑖𝑖	SYM
cjfa-63101	119	10	)	)	PUNCT
cjfa-63101	119	11	=	=	PRON
cjfa-63101	120	1	𝛽𝛽𝜏𝜏x𝑖𝑖	𝛽𝛽𝜏𝜏x𝑖𝑖	PROPN
cjfa-63101	120	2	fs	fs	ADP
cjfa-63101	120	3	denotes	denotes	PROPN
cjfa-63101	120	4	financial	financial	ADJ
cjfa-63101	120	5	stability	stability	NOUN
cjfa-63101	120	6	and	and	CCONJ
cjfa-63101	120	7	x	x	PRON
cjfa-63101	120	8	is	be	AUX
cjfa-63101	120	9	a	a	DET
cjfa-63101	120	10	vector	vector	NOUN
cjfa-63101	120	11	of	of	ADP
cjfa-63101	120	12	independent	independent	ADJ
cjfa-63101	120	13	variables	variable	NOUN
cjfa-63101	120	14	.	.	PUNCT
cjfa-63101	121	1	this	this	DET
cjfa-63101	121	2	equation	equation	NOUN
cjfa-63101	121	3	represents	represent	VERB
cjfa-63101	121	4	the	the	DET
cjfa-63101	121	5	conditional	conditional	ADJ
cjfa-63101	121	6	mean	mean	NOUN
cjfa-63101	121	7	equation	equation	NOUN
cjfa-63101	121	8	.	.	PUNCT
cjfa-63101	122	1	by	by	ADP
cjfa-63101	122	2	solving	solve	VERB
cjfa-63101	122	3	the	the	DET
cjfa-63101	122	4	following	follow	VERB
cjfa-63101	122	5	optimization	optimization	NOUN
cjfa-63101	122	6	problem	problem	NOUN
cjfa-63101	122	7	,	,	PUNCT
cjfa-63101	122	8	the	the	DET
cjfa-63101	122	9	qrm	qrm	PROPN
cjfa-63101	122	10	parameters	parameter	NOUN
cjfa-63101	122	11	at	at	ADP
cjfa-63101	122	12	the	the	DET
cjfa-63101	122	13	𝜏𝜏th	𝜏𝜏th	NOUN
cjfa-63101	122	14	quantiles	quantile	NOUN
cjfa-63101	122	15	are	be	AUX
cjfa-63101	122	16	estimated	estimate	VERB
cjfa-63101	122	17	:	:	PUNCT
cjfa-63101	122	18	min	min	PROPN
cjfa-63101	122	19	�	�	PROPN
cjfa-63101	122	20	τ	τ	PROPN
cjfa-63101	122	21	�	�	PROPN
cjfa-63101	122	22	�	�	PROPN
cjfa-63101	122	23	�	�	PROPN
cjfa-63101	122	24	�	�	PROPN
cjfa-63101	122	25	:	:	PUNCT
cjfa-63101	122	26	�	�	PROPN
cjfa-63101	122	27	�	�	PROPN
cjfa-63101	122	28	�	�	PROPN
cjfa-63101	122	29	�	�	PROPN
cjfa-63101	122	30	�	�	PROPN
cjfa-63101	122	31	�	�	PROPN
cjfa-63101	122	32	�	�	PROPN
cjfa-63101	122	33	�	�	PROPN
cjfa-63101	122	34	�	�	PROPN
cjfa-63101	122	35	|	|	ADV
cjfa-63101	122	36	𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹	PROPN
cjfa-63101	122	37	�	�	PROPN
cjfa-63101	122	38	�	�	PROPN
cjfa-63101	122	39	�	�	PROPN
cjfa-63101	122	40	τ𝑋𝑋i	τ𝑋𝑋i	PART
cjfa-63101	122	41	│	│	NUM
cjfa-63101	122	42	�	�	PROPN
cjfa-63101	122	43	�	�	PROPN
cjfa-63101	122	44	�	�	PROPN
cjfa-63101	122	45	1	1	NUM
cjfa-63101	122	46	�	�	PROPN
cjfa-63101	122	47	τ	τ	PROPN
cjfa-63101	122	48	�	�	PROPN
cjfa-63101	122	49	|	|	ADV
cjfa-63101	122	50	𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹	PROPN
cjfa-63101	122	51	�	�	PROPN
cjfa-63101	122	52	�	�	PROPN
cjfa-63101	122	53	�	�	PROPN
cjfa-63101	122	54	τ𝑋𝑋i	τ𝑋𝑋i	PROPN
cjfa-63101	122	55	│	│	X
cjfa-63101	122	56	�	�	PROPN
cjfa-63101	122	57	�	�	PROPN
cjfa-63101	122	58	�	�	PROPN
cjfa-63101	122	59	�	�	PROPN
cjfa-63101	122	60	:	:	PUNCT
cjfa-63101	122	61	�	�	PROPN
cjfa-63101	122	62	�	�	PROPN
cjfa-63101	122	63	�	�	PROPN
cjfa-63101	122	64	�	�	PROPN
cjfa-63101	122	65	�	�	PROPN
cjfa-63101	122	66	�	�	PROPN
cjfa-63101	122	67	�	�	PROPN
cjfa-63101	122	68	�	�	PROPN
cjfa-63101	122	69	�	�	PROPN
cjfa-63101	122	70	auto	auto	NOUN
cjfa-63101	122	71	regressive	regressive	ADJ
cjfa-63101	122	72	distributed	distribute	VERB
cjfa-63101	122	73	lag	lag	NOUN
cjfa-63101	122	74	analysis	analysis	NOUN
cjfa-63101	122	75	this	this	DET
cjfa-63101	122	76	study	study	NOUN
cjfa-63101	122	77	employs	employ	VERB
cjfa-63101	122	78	quantile	quantile	ADJ
cjfa-63101	122	79	regression	regression	NOUN
cjfa-63101	122	80	analysis	analysis	NOUN
cjfa-63101	122	81	and	and	CCONJ
cjfa-63101	122	82	the	the	DET
cjfa-63101	122	83	ardl	ardl	NOUN
cjfa-63101	122	84	technique	technique	NOUN
cjfa-63101	122	85	to	to	PART
cjfa-63101	122	86	analyze	analyze	VERB
cjfa-63101	122	87	the	the	DET
cjfa-63101	122	88	relationship	relationship	NOUN
cjfa-63101	122	89	between	between	ADP
cjfa-63101	122	90	financial	financial	ADJ
cjfa-63101	122	91	stability	stability	NOUN
cjfa-63101	122	92	and	and	CCONJ
cjfa-63101	122	93	financial	financial	ADJ
cjfa-63101	122	94	inclusion	inclusion	NOUN
cjfa-63101	122	95	in	in	ADP
cjfa-63101	122	96	ghana	ghana	PROPN
cjfa-63101	122	97	.	.	PUNCT
cjfa-63101	123	1	this	this	DET
cjfa-63101	123	2	method	method	NOUN
cjfa-63101	123	3	is	be	AUX
cjfa-63101	123	4	effective	effective	ADJ
cjfa-63101	123	5	regardless	regardless	ADV
cjfa-63101	123	6	of	of	ADP
cjfa-63101	123	7	whether	whether	SCONJ
cjfa-63101	123	8	the	the	DET
cjfa-63101	123	9	variables	variable	NOUN
cjfa-63101	123	10	are	be	AUX
cjfa-63101	123	11	i	i	PRON
cjfa-63101	123	12	(	(	PUNCT
cjfa-63101	123	13	0	0	NUM
cjfa-63101	123	14	)	)	PUNCT
cjfa-63101	123	15	,	,	PUNCT
cjfa-63101	123	16	i	i	PRON
cjfa-63101	123	17	(	(	PUNCT
cjfa-63101	123	18	1	1	NUM
cjfa-63101	123	19	)	)	PUNCT
cjfa-63101	123	20	,	,	PUNCT
cjfa-63101	123	21	or	or	CCONJ
cjfa-63101	123	22	their	their	PRON
cjfa-63101	123	23	integration	integration	NOUN
cjfa-63101	123	24	sequence	sequence	NOUN
cjfa-63101	123	25	.	.	PUNCT
cjfa-63101	124	1	the	the	DET
cjfa-63101	124	2	initial	initial	ADJ
cjfa-63101	124	3	step	step	NOUN
cjfa-63101	124	4	in	in	ADP
cjfa-63101	124	5	ardl	ardl	NOUN
cjfa-63101	124	6	modeling	modeling	NOUN
cjfa-63101	124	7	involves	involve	VERB
cjfa-63101	124	8	estimating	estimate	VERB
cjfa-63101	124	9	the	the	DET
cjfa-63101	124	10	following	follow	VERB
cjfa-63101	124	11	equation	equation	NOUN
cjfa-63101	124	12	:	:	PUNCT
cjfa-63101	124	13	ardl	ardl	NOUN
cjfa-63101	124	14	is	be	AUX
cjfa-63101	124	15	defined	define	VERB
cjfa-63101	124	16	using	use	VERB
cjfa-63101	124	17	a	a	DET
cjfa-63101	124	18	time	time	NOUN
cjfa-63101	124	19	-	-	PUNCT
cjfa-63101	124	20	series	series	NOUN
cjfa-63101	124	21	approach	approach	NOUN
cjfa-63101	124	22	.	.	PUNCT
cjfa-63101	125	1	auto	auto	NOUN
cjfa-63101	125	2	regressive	regressive	ADJ
cjfa-63101	125	3	distributed	distribute	VERB
cjfa-63101	125	4	lag	lag	NOUN
cjfa-63101	125	5	analysisauto	analysisauto	NOUN
cjfa-63101	125	6	regressive	regressive	ADJ
cjfa-63101	125	7	distributed	distribute	VERB
cjfa-63101	125	8	lag	lag	NOUN
cjfa-63101	125	9	analysis	analysis	NOUN
cjfa-63101	125	10	this	this	DET
cjfa-63101	125	11	study	study	NOUN
cjfa-63101	125	12	employs	employ	VERB
cjfa-63101	125	13	quantile	quantile	ADJ
cjfa-63101	125	14	regression	regression	NOUN
cjfa-63101	125	15	analysis	analysis	NOUN
cjfa-63101	125	16	and	and	CCONJ
cjfa-63101	125	17	the	the	DET
cjfa-63101	125	18	ardl	ardl	NOUN
cjfa-63101	125	19	technique	technique	NOUN
cjfa-63101	125	20	to	to	PART
cjfa-63101	125	21	analyze	analyze	VERB
cjfa-63101	125	22	the	the	DET
cjfa-63101	125	23	relationship	relationship	NOUN
cjfa-63101	125	24	between	between	ADP
cjfa-63101	125	25	financial	financial	ADJ
cjfa-63101	125	26	stability	stability	NOUN
cjfa-63101	125	27	and	and	CCONJ
cjfa-63101	125	28	financial	financial	ADJ
cjfa-63101	125	29	inclusion	inclusion	NOUN
cjfa-63101	125	30	in	in	ADP
cjfa-63101	125	31	ghana	ghana	PROPN
cjfa-63101	125	32	.	.	PUNCT
cjfa-63101	126	1	this	this	DET
cjfa-63101	126	2	method	method	NOUN
cjfa-63101	126	3	is	be	AUX
cjfa-63101	126	4	effective	effective	ADJ
cjfa-63101	126	5	regardless	regardless	ADV
cjfa-63101	126	6	of	of	ADP
cjfa-63101	126	7	whether	whether	SCONJ
cjfa-63101	126	8	the	the	DET
cjfa-63101	126	9	variables	variable	NOUN
cjfa-63101	126	10	are	be	AUX
cjfa-63101	126	11	i	i	PRON
cjfa-63101	126	12	(	(	PUNCT
cjfa-63101	126	13	0	0	NUM
cjfa-63101	126	14	)	)	PUNCT
cjfa-63101	126	15	,	,	PUNCT
cjfa-63101	126	16	i	i	PRON
cjfa-63101	126	17	(	(	PUNCT
cjfa-63101	126	18	1	1	NUM
cjfa-63101	126	19	)	)	PUNCT
cjfa-63101	126	20	,	,	PUNCT
cjfa-63101	126	21	or	or	CCONJ
cjfa-63101	126	22	their	their	PRON
cjfa-63101	126	23	integration	integration	NOUN
cjfa-63101	126	24	sequence	sequence	NOUN
cjfa-63101	126	25	.	.	PUNCT
cjfa-63101	127	1	the	the	DET
cjfa-63101	127	2	initial	initial	ADJ
cjfa-63101	127	3	step	step	NOUN
cjfa-63101	127	4	in	in	ADP
cjfa-63101	127	5	ardl	ardl	NOUN
cjfa-63101	127	6	modeling	modeling	NOUN
cjfa-63101	127	7	involves	involve	VERB
cjfa-63101	127	8	estimating	estimate	VERB
cjfa-63101	127	9	the	the	DET
cjfa-63101	127	10	following	follow	VERB
cjfa-63101	127	11	equation	equation	NOUN
cjfa-63101	127	12	:	:	PUNCT
cjfa-63101	127	13	ardl	ardl	NOUN
cjfa-63101	127	14	is	be	AUX
cjfa-63101	127	15	defined	define	VERB
cjfa-63101	127	16	using	use	VERB
cjfa-63101	127	17	a	a	DET
cjfa-63101	127	18	time	time	NOUN
cjfa-63101	127	19	-	-	PUNCT
cjfa-63101	127	20	series	series	NOUN
cjfa-63101	127	21	approach	approach	NOUN
cjfa-63101	127	22	.	.	PUNCT
cjfa-63101	128	1	∆𝐹𝐹𝐹𝐹	∆𝐹𝐹𝐹𝐹	X
cjfa-63101	128	2	�	�	PROPN
cjfa-63101	128	3	�	�	PROPN
cjfa-63101	128	4	𝛼𝛼	𝛼𝛼	ADP
cjfa-63101	128	5	�	�	PROPN
cjfa-63101	128	6	�	�	PROPN
cjfa-63101	128	7	�	�	PROPN
cjfa-63101	128	8	�	�	PROPN
cjfa-63101	128	9	�	�	PROPN
cjfa-63101	128	10	�	�	PROPN
cjfa-63101	128	11	�	�	PROPN
cjfa-63101	128	12	�	�	PROPN
cjfa-63101	128	13	�	�	PROPN
cjfa-63101	128	14	∆𝐹𝐹𝐹𝐹	∆𝐹𝐹𝐹𝐹	PROPN
cjfa-63101	128	15	�	�	PROPN
cjfa-63101	128	16	�	�	PROPN
cjfa-63101	128	17	�	�	PROPN
cjfa-63101	128	18	�	�	PROPN
cjfa-63101	128	19	�	�	PROPN
cjfa-63101	128	20	ø	ø	PROPN
cjfa-63101	128	21	�	�	PROPN
cjfa-63101	128	22	�	�	PROPN
cjfa-63101	128	23	�	�	PROPN
cjfa-63101	128	24	�	�	PROPN
cjfa-63101	128	25	�	�	PROPN
cjfa-63101	128	26	∆𝑂𝑂𝑂𝑂	∆𝑂𝑂𝑂𝑂	PROPN
cjfa-63101	128	27	�	�	PROPN
cjfa-63101	128	28	�	�	PROPN
cjfa-63101	128	29	�	�	PROPN
cjfa-63101	128	30	�	�	PROPN
cjfa-63101	128	31	�	�	PROPN
cjfa-63101	128	32	�	�	PROPN
cjfa-63101	128	33	�	�	PROPN
cjfa-63101	128	34	�	�	PROPN
cjfa-63101	128	35	�	�	PROPN
cjfa-63101	128	36	�	�	PROPN
cjfa-63101	128	37	�	�	PROPN
cjfa-63101	128	38	∆𝐹𝐹𝐹𝐹	∆𝐹𝐹𝐹𝐹	PROPN
cjfa-63101	128	39	�	�	PROPN
cjfa-63101	128	40	�	�	PROPN
cjfa-63101	128	41	�	�	PROPN
cjfa-63101	128	42	�	�	PROPN
cjfa-63101	128	43	�	�	PROPN
cjfa-63101	128	44	�	�	PROPN
cjfa-63101	128	45	�	�	PROPN
cjfa-63101	128	46	�	�	PROPN
cjfa-63101	128	47	�	�	PROPN
cjfa-63101	128	48	�	�	PROPN
cjfa-63101	128	49	�	�	PROPN
cjfa-63101	128	50	∆𝐹𝐹𝐼𝐼𝐹𝐹	∆𝐹𝐹𝐼𝐼𝐹𝐹	PROPN
cjfa-63101	128	51	�	�	PROPN
cjfa-63101	128	52	�	�	PROPN
cjfa-63101	128	53	�	�	PROPN
cjfa-63101	128	54	�	�	PROPN
cjfa-63101	128	55	�	�	PROPN
cjfa-63101	128	56	�	�	PROPN
cjfa-63101	128	57	�	�	PROPN
cjfa-63101	128	58	�	�	PROPN
cjfa-63101	128	59	�	�	PROPN
cjfa-63101	128	60	�	�	PROPN
cjfa-63101	128	61	�	�	PROPN
cjfa-63101	128	62	∆𝑂𝑂𝑂𝑂	∆𝑂𝑂𝑂𝑂	PROPN
cjfa-63101	128	63	�	�	PROPN
cjfa-63101	128	64	�	�	PROPN
cjfa-63101	128	65	�	�	PROPN
cjfa-63101	128	66	�	�	PROPN
cjfa-63101	128	67	𝜕𝜕	𝜕𝜕	PROPN
cjfa-63101	128	68	�	�	PROPN
cjfa-63101	128	69	𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹	PROPN
cjfa-63101	128	70	�	�	PROPN
cjfa-63101	128	71	�	�	PROPN
cjfa-63101	128	72	�	�	PROPN
cjfa-63101	128	73	�	�	PROPN
cjfa-63101	128	74	𝜕𝜕	𝜕𝜕	PROPN
cjfa-63101	128	75	�	�	PROPN
cjfa-63101	128	76	𝑂𝑂𝑂𝑂	𝑂𝑂𝑂𝑂	PROPN
cjfa-63101	128	77	�	�	PROPN
cjfa-63101	128	78	�	�	PROPN
cjfa-63101	128	79	�	�	PROPN
cjfa-63101	128	80	�	�	PROPN
cjfa-63101	128	81	𝜕𝜕	𝜕𝜕	PROPN
cjfa-63101	128	82	�	�	PROPN
cjfa-63101	128	83	𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹	PROPN
cjfa-63101	128	84	�	�	PROPN
cjfa-63101	128	85	�	�	PROPN
cjfa-63101	128	86	�	�	PROPN
cjfa-63101	128	87	�	�	PROPN
cjfa-63101	128	88	𝜕𝜕	𝜕𝜕	PROPN
cjfa-63101	128	89	�	�	PROPN
cjfa-63101	128	90	𝐹𝐹𝐼𝐼𝐹𝐹	𝐹𝐹𝐼𝐼𝐹𝐹	PROPN
cjfa-63101	128	91	�	�	PROPN
cjfa-63101	128	92	�	�	PROPN
cjfa-63101	128	93	�	�	PROPN
cjfa-63101	128	94	�	�	PROPN
cjfa-63101	128	95	𝜕𝜕	𝜕𝜕	PROPN
cjfa-63101	128	96	�	�	PROPN
cjfa-63101	128	97	𝑂𝑂𝑂𝑂	𝑂𝑂𝑂𝑂	PROPN
cjfa-63101	128	98	�	�	PROPN
cjfa-63101	128	99	�	�	PROPN
cjfa-63101	128	100	�	�	PROPN
cjfa-63101	128	101	�	�	PROPN
cjfa-63101	128	102	�	�	PROPN
cjfa-63101	128	103	�	�	PROPN
cjfa-63101	128	104	where	where	SCONJ
cjfa-63101	128	105	fi	fi	NOUN
cjfa-63101	128	106	represents	represent	VERB
cjfa-63101	128	107	financial	financial	ADJ
cjfa-63101	128	108	inclusion	inclusion	NOUN
cjfa-63101	128	109	,	,	PUNCT
cjfa-63101	128	110	fs	fs	PART
cjfa-63101	128	111	represents	represent	VERB
cjfa-63101	128	112	financial	financial	ADJ
cjfa-63101	128	113	stability	stability	NOUN
cjfa-63101	128	114	,	,	PUNCT
cjfa-63101	128	115	inf	inf	PROPN
cjfa-63101	128	116	represents	represent	VERB
cjfa-63101	128	117	inflation	inflation	NOUN
cjfa-63101	128	118	,	,	PUNCT
cjfa-63101	128	119	re	re	VERB
cjfa-63101	128	120	represents	represent	VERB
cjfa-63101	128	121	recession	recession	NOUN
cjfa-63101	128	122	,	,	PUNCT
cjfa-63101	128	123	and	and	CCONJ
cjfa-63101	128	124	r	r	NOUN
cjfa-63101	128	125	represents	represent	VERB
cjfa-63101	128	126	the	the	DET
cjfa-63101	128	127	interest	interest	NOUN
cjfa-63101	128	128	rate	rate	NOUN
cjfa-63101	128	129	.	.	PUNCT
cjfa-63101	129	1	the	the	DET
cjfa-63101	129	2	ardl	ardl	NOUN
cjfa-63101	129	3	bounds	bound	NOUN
cjfa-63101	129	4	test	test	NOUN
cjfa-63101	129	5	is	be	AUX
cjfa-63101	129	6	used	use	VERB
cjfa-63101	129	7	to	to	PART
cjfa-63101	129	8	evaluate	evaluate	VERB
cjfa-63101	129	9	the	the	DET
cjfa-63101	129	10	potential	potential	ADJ
cjfa-63101	129	11	existence	existence	NOUN
cjfa-63101	129	12	of	of	ADP
cjfa-63101	129	13	a	a	DET
cjfa-63101	129	14	long	long	ADJ
cjfa-63101	129	15	-	-	PUNCT
cjfa-63101	129	16	term	term	NOUN
cjfa-63101	129	17	relationship	relationship	NOUN
cjfa-63101	129	18	.	.	PUNCT
cjfa-63101	130	1	the	the	DET
cjfa-63101	130	2	alternative	alternative	ADJ
cjfa-63101	130	3	hypothesis	hypothesis	NOUN
cjfa-63101	130	4	indicates	indicate	VERB
cjfa-63101	130	5	a	a	DET
cjfa-63101	130	6	long	long	ADV
cjfa-63101	130	7	-	-	PUNCT
cjfa-63101	130	8	run	run	NOUN
cjfa-63101	130	9	relationship	relationship	NOUN
cjfa-63101	130	10	,	,	PUNCT
cjfa-63101	130	11	while	while	SCONJ
cjfa-63101	130	12	the	the	DET
cjfa-63101	130	13	null	null	ADJ
cjfa-63101	130	14	hypothesis	hypothesis	NOUN
cjfa-63101	130	15	suggests	suggest	VERB
cjfa-63101	130	16	no	no	DET
cjfa-63101	130	17	integration	integration	NOUN
cjfa-63101	130	18	.	.	PUNCT
cjfa-63101	131	1	the	the	DET
cjfa-63101	131	2	null	null	ADJ
cjfa-63101	131	3	hypothesis	hypothesis	NOUN
cjfa-63101	131	4	was	be	AUX
cjfa-63101	131	5	rejected	reject	VERB
cjfa-63101	131	6	if	if	SCONJ
cjfa-63101	131	7	the	the	DET
cjfa-63101	131	8	estimated	estimate	VERB
cjfa-63101	131	9	f	f	NOUN
cjfa-63101	131	10	-	-	PUNCT
cjfa-63101	131	11	statistic	statistic	NOUN
cjfa-63101	131	12	exceeded	exceed	VERB
cjfa-63101	131	13	the	the	DET
cjfa-63101	131	14	upper	upper	ADJ
cjfa-63101	131	15	critical	critical	ADJ
cjfa-63101	131	16	value	value	NOUN
cjfa-63101	131	17	.	.	PUNCT
cjfa-63101	132	1	the	the	DET
cjfa-63101	132	2	optimal	optimal	ADJ
cjfa-63101	132	3	lag	lag	NOUN
cjfa-63101	132	4	length	length	NOUN
cjfa-63101	132	5	for	for	ADP
cjfa-63101	132	6	the	the	DET
cjfa-63101	132	7	long	long	ADV
cjfa-63101	132	8	-	-	PUNCT
cjfa-63101	132	9	run	run	NOUN
cjfa-63101	132	10	model	model	NOUN
cjfa-63101	132	11	was	be	AUX
cjfa-63101	132	12	selected	select	VERB
cjfa-63101	132	13	using	use	VERB
cjfa-63101	132	14	the	the	DET
cjfa-63101	132	15	hannan	hannan	PROPN
cjfa-63101	132	16	-	-	PUNCT
cjfa-63101	132	17	quin	quin	PROPN
cjfa-63101	132	18	(	(	PUNCT
cjfa-63101	132	19	hq	hq	NOUN
cjfa-63101	132	20	)	)	PUNCT
cjfa-63101	132	21	and	and	CCONJ
cjfa-63101	132	22	akaike	akaike	ADJ
cjfa-63101	132	23	information	information	NOUN
cjfa-63101	132	24	criterion	criterion	NOUN
cjfa-63101	132	25	(	(	PUNCT
cjfa-63101	132	26	aic	aic	PROPN
cjfa-63101	132	27	)	)	PUNCT
cjfa-63101	132	28	.	.	PUNCT
cjfa-63101	133	1	empirical	empirical	ADJ
cjfa-63101	133	2	analysis	analysis	NOUN
cjfa-63101	133	3	and	and	CCONJ
cjfa-63101	133	4	results	result	NOUN
cjfa-63101	133	5	table	table	NOUN
cjfa-63101	133	6	2	2	NUM
cjfa-63101	133	7	.	.	PUNCT
cjfa-63101	133	8	descriptive	descriptive	ADJ
cjfa-63101	133	9	analysis	analysis	NOUN
cjfa-63101	133	10	d_r	d_r	ADP
cjfa-63101	133	11	_	_	PRON
cjfa-63101	133	12	z_score	z_score	NOUN
cjfa-63101	134	1	ol	ol	PROPN
cjfa-63101	134	2	od	od	PROPN
cjfa-63101	134	3	inf_d	inf_d	ADJ
cjfa-63101	134	4	mean	mean	NOUN
cjfa-63101	134	5	11.7889	11.7889	NUM
cjfa-63101	134	6	12.8085	12.8085	NUM
cjfa-63101	134	7	15.3294	15.3294	NUM
cjfa-63101	134	8	22.3571	22.3571	NUM
cjfa-63101	134	9	20.8105	20.8105	NUM
cjfa-63101	134	10	median	median	NOUN
cjfa-63101	134	11	11.5729	11.5729	NUM
cjfa-63101	134	12	13.1927	13.1927	NUM
cjfa-63101	134	13	15.3317	15.3317	NUM
cjfa-63101	134	14	22.3733	22.3733	NUM
cjfa-63101	134	15	15.115	15.115	NUM
cjfa-63101	134	16	maximum	maximum	NOUN
cjfa-63101	134	17	17.4752	17.4752	NUM
cjfa-63101	134	18	14.7706	14.7706	NUM
cjfa-63101	134	19	22.3622	22.3622	NUM
cjfa-63101	134	20	26.945	26.945	NUM
cjfa-63101	134	21	89.0766	89.0766	NUM
cjfa-63101	134	22	minimum	minimum	ADJ
cjfa-63101	134	23	8.52025	8.52025	NUM
cjfa-63101	134	24	9.52205	9.52205	NUM
cjfa-63101	134	25	11.53	11.53	NUM
cjfa-63101	134	26	16.4438	16.4438	NUM
cjfa-63101	134	27	-41.434	-41.434	NOUN
cjfa-63101	134	28	std	std	PROPN
cjfa-63101	134	29	.	.	PROPN
cjfa-63101	134	30	dev	dev	PROPN
cjfa-63101	134	31	.	.	PUNCT
cjfa-63101	135	1	2.1167	2.1167	NUM
cjfa-63101	135	2	1.42511	1.42511	NUM
cjfa-63101	135	3	2.59483	2.59483	NUM
cjfa-63101	135	4	2.7292	2.7292	NUM
cjfa-63101	135	5	21.5054	21.5054	NUM
cjfa-63101	135	6	skewness	skewness	NOUN
cjfa-63101	135	7	0.53887	0.53887	NUM
cjfa-63101	135	8	-0.8345	-0.8345	NOUN
cjfa-63101	135	9	0.40634	0.40634	NUM
cjfa-63101	135	10	-0.1868	-0.1868	VERB
cjfa-63101	135	11	1.51229	1.51229	NUM
cjfa-63101	135	12	kurtosis	kurtosis	NOUN
cjfa-63101	135	13	3.33449	3.33449	NUM
cjfa-63101	135	14	2.71352	2.71352	NUM
cjfa-63101	135	15	2.48025	2.48025	NUM
cjfa-63101	135	16	2.50573	2.50573	NUM
cjfa-63101	135	17	6.52602	6.52602	NUM
cjfa-63101	135	18	jarque	jarque	NOUN
cjfa-63101	135	19	-	-	PUNCT
cjfa-63101	135	20	bera	bera	NOUN
cjfa-63101	135	21	3.60801	3.60801	NUM
cjfa-63101	135	22	8.1249	8.1249	NUM
cjfa-63101	135	23	2.63664	2.63664	NUM
cjfa-63101	135	24	1.0875	1.0875	NUM
cjfa-63101	135	25	61.1458	61.1458	NUM
cjfa-63101	135	26	probability	probability	NOUN
cjfa-63101	135	27	0.16464	0.16464	NUM
cjfa-63101	135	28	0.01721	0.01721	NUM
cjfa-63101	135	29	0.26759	0.26759	NUM
cjfa-63101	135	30	0.58057	0.58057	NUM
cjfa-63101	135	31	0	0	NUM
cjfa-63101	135	32	sum	sum	PROPN
cjfa-63101	135	33	801.642	801.642	NUM
cjfa-63101	135	34	870.976	870.976	NUM
cjfa-63101	135	35	1042.4	1042.4	NUM
cjfa-63101	135	36	1520.28	1520.28	NUM
cjfa-63101	135	37	1415.11	1415.11	NUM
cjfa-63101	135	38	sum	sum	NOUN
cjfa-63101	135	39	sq	sq	PROPN
cjfa-63101	135	40	.	.	PROPN
cjfa-63101	135	41	dev	dev	PROPN
cjfa-63101	135	42	.	.	PUNCT
cjfa-63101	136	1	300.188	300.188	NUM
cjfa-63101	136	2	136.073	136.073	NUM
cjfa-63101	136	3	451.121	451.121	NUM
cjfa-63101	136	4	499.051	499.051	NUM
cjfa-63101	136	5	30986.4	30986.4	NUM
cjfa-63101	136	6	observations	observation	NOUN
cjfa-63101	136	7	68	68	NUM
cjfa-63101	136	8	68	68	NUM
cjfa-63101	136	9	68	68	NUM
cjfa-63101	136	10	68	68	NUM
cjfa-63101	136	11	68	68	NUM
cjfa-63101	136	12	source	source	NOUN
cjfa-63101	136	13	:	:	PUNCT
cjfa-63101	136	14	field	field	NOUN
cjfa-63101	136	15	survey	survey	NOUN
cjfa-63101	136	16	2022	2022	NUM
cjfa-63101	136	17	:	:	PUNCT
cjfa-63101	136	18	analyzed	analyze	VERB
cjfa-63101	136	19	with	with	ADP
cjfa-63101	136	20	eviews	eviews	PROPN
cjfa-63101	136	21	12	12	NUM
cjfa-63101	136	22	.	.	PUNCT
cjfa-63101	137	1	looking	look	VERB
cjfa-63101	137	2	at	at	ADP
cjfa-63101	137	3	the	the	DET
cjfa-63101	137	4	descriptive	descriptive	ADJ
cjfa-63101	137	5	analysis	analysis	NOUN
cjfa-63101	137	6	above	above	ADP
cjfa-63101	137	7	,	,	PUNCT
cjfa-63101	137	8	based	base	VERB
cjfa-63101	137	9	on	on	ADP
cjfa-63101	137	10	the	the	DET
cjfa-63101	137	11	jaque	jaque	NOUN
cjfa-63101	137	12	-	-	PUNCT
cjfa-63101	137	13	bera	bera	NOUN
cjfa-63101	137	14	test	test	NOUN
cjfa-63101	137	15	of	of	ADP
cjfa-63101	137	16	normality	normality	NOUN
cjfa-63101	137	17	,	,	PUNCT
cjfa-63101	137	18	financial	financial	ADJ
cjfa-63101	137	19	inclusion	inclusion	NOUN
cjfa-63101	137	20	,	,	PUNCT
cjfa-63101	137	21	financial	financial	ADJ
cjfa-63101	137	22	stability	stability	NOUN
cjfa-63101	137	23	,	,	PUNCT
cjfa-63101	137	24	interest	interest	NOUN
cjfa-63101	137	25	rate	rate	NOUN
cjfa-63101	137	26	,	,	PUNCT
cjfa-63101	137	27	and	and	CCONJ
cjfa-63101	137	28	inflation	inflation	NOUN
cjfa-63101	137	29	are	be	AUX
cjfa-63101	137	30	not	not	PART
cjfa-63101	137	31	normally	normally	ADV
cjfa-63101	137	32	financial	financial	ADJ
cjfa-63101	137	33	inclusion	inclusion	NOUN
cjfa-63101	137	34	towards	towards	ADP
cjfa-63101	137	35	financial	financial	ADJ
cjfa-63101	137	36	stability	stability	NOUN
cjfa-63101	137	37	in	in	ADP
cjfa-63101	137	38	ghana	ghana	PROPN
cjfa-63101	137	39	…	…	PUNCT
cjfa-63101	137	40	5555	5555	NUM
cjfa-63101	137	41	where	where	SCONJ
cjfa-63101	137	42	fi	fi	NOUN
cjfa-63101	137	43	represents	represent	VERB
cjfa-63101	137	44	financial	financial	ADJ
cjfa-63101	137	45	inclusion	inclusion	NOUN
cjfa-63101	137	46	,	,	PUNCT
cjfa-63101	137	47	fs	fs	PART
cjfa-63101	137	48	represents	represent	VERB
cjfa-63101	137	49	financial	financial	ADJ
cjfa-63101	137	50	stability	stability	NOUN
cjfa-63101	137	51	,	,	PUNCT
cjfa-63101	137	52	inf	inf	PROPN
cjfa-63101	137	53	represents	represent	VERB
cjfa-63101	137	54	inflation	inflation	NOUN
cjfa-63101	137	55	,	,	PUNCT
cjfa-63101	137	56	re	re	VERB
cjfa-63101	137	57	represents	represent	VERB
cjfa-63101	137	58	recession	recession	NOUN
cjfa-63101	137	59	,	,	PUNCT
cjfa-63101	137	60	and	and	CCONJ
cjfa-63101	137	61	r	r	NOUN
cjfa-63101	137	62	represents	represent	VERB
cjfa-63101	137	63	the	the	DET
cjfa-63101	137	64	interest	interest	NOUN
cjfa-63101	137	65	rate	rate	NOUN
cjfa-63101	137	66	.	.	PUNCT
cjfa-63101	138	1	the	the	DET
cjfa-63101	138	2	ardl	ardl	NOUN
cjfa-63101	138	3	bounds	bound	NOUN
cjfa-63101	138	4	test	test	NOUN
cjfa-63101	138	5	is	be	AUX
cjfa-63101	138	6	used	use	VERB
cjfa-63101	138	7	to	to	PART
cjfa-63101	138	8	evaluate	evaluate	VERB
cjfa-63101	138	9	the	the	DET
cjfa-63101	138	10	potential	potential	ADJ
cjfa-63101	138	11	existence	existence	NOUN
cjfa-63101	138	12	of	of	ADP
cjfa-63101	138	13	a	a	DET
cjfa-63101	138	14	long	long	ADJ
cjfa-63101	138	15	-	-	PUNCT
cjfa-63101	138	16	term	term	NOUN
cjfa-63101	138	17	relationship	relationship	NOUN
cjfa-63101	138	18	.	.	PUNCT
cjfa-63101	139	1	the	the	DET
cjfa-63101	139	2	alternative	alternative	ADJ
cjfa-63101	139	3	hypothesis	hypothesis	NOUN
cjfa-63101	139	4	indicates	indicate	VERB
cjfa-63101	139	5	a	a	DET
cjfa-63101	139	6	long	long	ADV
cjfa-63101	139	7	-	-	PUNCT
cjfa-63101	139	8	run	run	NOUN
cjfa-63101	139	9	relationship	relationship	NOUN
cjfa-63101	139	10	,	,	PUNCT
cjfa-63101	139	11	while	while	SCONJ
cjfa-63101	139	12	the	the	DET
cjfa-63101	139	13	null	null	ADJ
cjfa-63101	139	14	hypothesis	hypothesis	NOUN
cjfa-63101	139	15	suggests	suggest	VERB
cjfa-63101	139	16	no	no	DET
cjfa-63101	139	17	integration	integration	NOUN
cjfa-63101	139	18	.	.	PUNCT
cjfa-63101	140	1	the	the	DET
cjfa-63101	140	2	null	null	ADJ
cjfa-63101	140	3	hypothesis	hypothesis	NOUN
cjfa-63101	140	4	was	be	AUX
cjfa-63101	140	5	rejected	reject	VERB
cjfa-63101	140	6	if	if	SCONJ
cjfa-63101	140	7	the	the	DET
cjfa-63101	140	8	estimated	estimate	VERB
cjfa-63101	140	9	f	f	NOUN
cjfa-63101	140	10	-	-	PUNCT
cjfa-63101	140	11	statistic	statistic	NOUN
cjfa-63101	140	12	exceeded	exceed	VERB
cjfa-63101	140	13	the	the	DET
cjfa-63101	140	14	upper	upper	ADJ
cjfa-63101	140	15	critical	critical	ADJ
cjfa-63101	140	16	value	value	NOUN
cjfa-63101	140	17	.	.	PUNCT
cjfa-63101	141	1	the	the	DET
cjfa-63101	141	2	optimal	optimal	ADJ
cjfa-63101	141	3	lag	lag	NOUN
cjfa-63101	141	4	length	length	NOUN
cjfa-63101	141	5	for	for	ADP
cjfa-63101	141	6	the	the	DET
cjfa-63101	141	7	long	long	ADV
cjfa-63101	141	8	-	-	PUNCT
cjfa-63101	141	9	run	run	NOUN
cjfa-63101	141	10	model	model	NOUN
cjfa-63101	141	11	was	be	AUX
cjfa-63101	141	12	selected	select	VERB
cjfa-63101	141	13	using	use	VERB
cjfa-63101	141	14	the	the	DET
cjfa-63101	141	15	hannan	hannan	PROPN
cjfa-63101	141	16	-	-	PUNCT
cjfa-63101	141	17	quin	quin	PROPN
cjfa-63101	141	18	(	(	PUNCT
cjfa-63101	141	19	hq	hq	NOUN
cjfa-63101	141	20	)	)	PUNCT
cjfa-63101	141	21	and	and	CCONJ
cjfa-63101	141	22	akaike	akaike	ADJ
cjfa-63101	141	23	information	information	NOUN
cjfa-63101	141	24	criterion	criterion	NOUN
cjfa-63101	141	25	(	(	PUNCT
cjfa-63101	141	26	aic	aic	PROPN
cjfa-63101	141	27	)	)	PUNCT
cjfa-63101	141	28	.	.	PUNCT
cjfa-63101	142	1	empirical	empirical	ADJ
cjfa-63101	142	2	analysis	analysis	NOUN
cjfa-63101	142	3	and	and	CCONJ
cjfa-63101	142	4	resultsempirical	resultsempirical	ADJ
cjfa-63101	142	5	analysis	analysis	NOUN
cjfa-63101	142	6	and	and	CCONJ
cjfa-63101	142	7	results	result	NOUN
cjfa-63101	142	8	table	table	NOUN
cjfa-63101	142	9	2	2	NUM
cjfa-63101	142	10	.	.	PUNCT
cjfa-63101	142	11	descriptive	descriptive	ADJ
cjfa-63101	142	12	analysis	analysis	NOUN
cjfa-63101	142	13	d_r	d_r	ADP
cjfa-63101	142	14	_	_	PRON
cjfa-63101	142	15	z_score	z_score	NOUN
cjfa-63101	143	1	ol	ol	PROPN
cjfa-63101	143	2	od	od	PROPN
cjfa-63101	143	3	inf_d	inf_d	ADJ
cjfa-63101	143	4	mean	mean	NOUN
cjfa-63101	143	5	11.7889	11.7889	NUM
cjfa-63101	143	6	12.8085	12.8085	NUM
cjfa-63101	143	7	15.3294	15.3294	NUM
cjfa-63101	143	8	22.3571	22.3571	NUM
cjfa-63101	143	9	20.8105	20.8105	NUM
cjfa-63101	143	10	median	median	NOUN
cjfa-63101	143	11	11.5729	11.5729	NUM
cjfa-63101	143	12	13.1927	13.1927	NUM
cjfa-63101	143	13	15.3317	15.3317	NUM
cjfa-63101	143	14	22.3733	22.3733	NUM
cjfa-63101	143	15	15.115	15.115	NUM
cjfa-63101	143	16	maximum	maximum	NOUN
cjfa-63101	143	17	17.4752	17.4752	NUM
cjfa-63101	143	18	14.7706	14.7706	NUM
cjfa-63101	143	19	22.3622	22.3622	NUM
cjfa-63101	143	20	26.945	26.945	NUM
cjfa-63101	143	21	89.0766	89.0766	NUM
cjfa-63101	143	22	minimum	minimum	ADJ
cjfa-63101	143	23	8.52025	8.52025	NUM
cjfa-63101	143	24	9.52205	9.52205	NUM
cjfa-63101	143	25	11.53	11.53	NUM
cjfa-63101	143	26	16.4438	16.4438	NUM
cjfa-63101	143	27	-41.434	-41.434	NOUN
cjfa-63101	143	28	std	std	PROPN
cjfa-63101	143	29	.	.	PROPN
cjfa-63101	143	30	dev	dev	PROPN
cjfa-63101	143	31	.	.	PUNCT
cjfa-63101	144	1	2.1167	2.1167	NUM
cjfa-63101	144	2	1.42511	1.42511	NUM
cjfa-63101	144	3	2.59483	2.59483	NUM
cjfa-63101	144	4	2.7292	2.7292	NUM
cjfa-63101	144	5	21.5054	21.5054	NUM
cjfa-63101	144	6	skewness	skewness	NOUN
cjfa-63101	144	7	0.53887	0.53887	NUM
cjfa-63101	144	8	-0.8345	-0.8345	NOUN
cjfa-63101	144	9	0.40634	0.40634	NUM
cjfa-63101	144	10	-0.1868	-0.1868	VERB
cjfa-63101	144	11	1.51229	1.51229	NUM
cjfa-63101	144	12	kurtosis	kurtosis	NOUN
cjfa-63101	144	13	3.33449	3.33449	NUM
cjfa-63101	144	14	2.71352	2.71352	NUM
cjfa-63101	144	15	2.48025	2.48025	NUM
cjfa-63101	144	16	2.50573	2.50573	NUM
cjfa-63101	144	17	6.52602	6.52602	NUM
cjfa-63101	144	18	jarque	jarque	NOUN
cjfa-63101	144	19	-	-	PUNCT
cjfa-63101	144	20	bera	bera	NOUN
cjfa-63101	144	21	3.60801	3.60801	NUM
cjfa-63101	144	22	8.1249	8.1249	NUM
cjfa-63101	144	23	2.63664	2.63664	NUM
cjfa-63101	144	24	1.0875	1.0875	NUM
cjfa-63101	144	25	61.1458	61.1458	NUM
cjfa-63101	144	26	probability	probability	NOUN
cjfa-63101	144	27	0.16464	0.16464	NUM
cjfa-63101	144	28	0.01721	0.01721	NUM
cjfa-63101	144	29	0.26759	0.26759	NUM
cjfa-63101	144	30	0.58057	0.58057	NUM
cjfa-63101	144	31	0	0	NUM
cjfa-63101	144	32	sum	sum	PROPN
cjfa-63101	144	33	801.642	801.642	NUM
cjfa-63101	144	34	870.976	870.976	NUM
cjfa-63101	144	35	1042.4	1042.4	NUM
cjfa-63101	144	36	1520.28	1520.28	NUM
cjfa-63101	144	37	1415.11	1415.11	NUM
cjfa-63101	144	38	sum	sum	NOUN
cjfa-63101	144	39	sq	sq	PROPN
cjfa-63101	144	40	.	.	PROPN
cjfa-63101	144	41	dev	dev	PROPN
cjfa-63101	144	42	.	.	PUNCT
cjfa-63101	145	1	300.188	300.188	NUM
cjfa-63101	145	2	136.073	136.073	NUM
cjfa-63101	145	3	451.121	451.121	NUM
cjfa-63101	145	4	499.051	499.051	NUM
cjfa-63101	145	5	30986.4	30986.4	NUM
cjfa-63101	145	6	observations	observation	NOUN
cjfa-63101	145	7	68	68	NUM
cjfa-63101	145	8	68	68	NUM
cjfa-63101	145	9	68	68	NUM
cjfa-63101	145	10	68	68	NUM
cjfa-63101	145	11	68	68	NUM
cjfa-63101	145	12	s	s	NOUN
cjfa-63101	145	13	o	o	NOUN
cjfa-63101	145	14	u	u	NOUN
cjfa-63101	145	15	r	r	NOUN
cjfa-63101	145	16	c	c	NOUN
cjfa-63101	145	17	e	e	NOUN
cjfa-63101	145	18	:	:	PUNCT
cjfa-63101	145	19	field	field	NOUN
cjfa-63101	145	20	survey	survey	NOUN
cjfa-63101	145	21	2022	2022	NUM
cjfa-63101	145	22	:	:	PUNCT
cjfa-63101	145	23	analyzed	analyze	VERB
cjfa-63101	145	24	with	with	ADP
cjfa-63101	145	25	eviews	eviews	PROPN
cjfa-63101	145	26	12	12	NUM
cjfa-63101	145	27	.	.	PUNCT
cjfa-63101	146	1	philomina	philomina	PROPN
cjfa-63101	146	2	maku	maku	PROPN
cjfa-63101	146	3	narh	narh	PROPN
cjfa-63101	146	4	,	,	PUNCT
cjfa-63101	146	5	collins	collins	PROPN
cjfa-63101	146	6	dodzi	dodzi	PROPN
cjfa-63101	146	7	dzitse5656	dzitse5656	PROPN
cjfa-63101	146	8	looking	look	VERB
cjfa-63101	146	9	at	at	ADP
cjfa-63101	146	10	the	the	DET
cjfa-63101	146	11	descriptive	descriptive	ADJ
cjfa-63101	146	12	analysis	analysis	NOUN
cjfa-63101	146	13	above	above	ADP
cjfa-63101	146	14	,	,	PUNCT
cjfa-63101	146	15	based	base	VERB
cjfa-63101	146	16	on	on	ADP
cjfa-63101	146	17	the	the	DET
cjfa-63101	146	18	jaque	jaque	NOUN
cjfa-63101	146	19	-	-	PUNCT
cjfa-63101	146	20	bera	bera	NOUN
cjfa-63101	146	21	test	test	NOUN
cjfa-63101	146	22	of	of	ADP
cjfa-63101	146	23	normality	normality	NOUN
cjfa-63101	146	24	,	,	PUNCT
cjfa-63101	146	25	financial	financial	ADJ
cjfa-63101	146	26	inclusion	inclusion	NOUN
cjfa-63101	146	27	,	,	PUNCT
cjfa-63101	146	28	financial	financial	ADJ
cjfa-63101	146	29	stability	stability	NOUN
cjfa-63101	146	30	,	,	PUNCT
cjfa-63101	146	31	interest	interest	NOUN
cjfa-63101	146	32	rate	rate	NOUN
cjfa-63101	146	33	,	,	PUNCT
cjfa-63101	146	34	and	and	CCONJ
cjfa-63101	146	35	inflation	inflation	NOUN
cjfa-63101	146	36	are	be	AUX
cjfa-63101	146	37	not	not	PART
cjfa-63101	146	38	normally	normally	ADV
cjfa-63101	146	39	distributed	distribute	VERB
cjfa-63101	146	40	.	.	PUNCT
cjfa-63101	147	1	the	the	DET
cjfa-63101	147	2	average	average	ADJ
cjfa-63101	147	3	values	value	NOUN
cjfa-63101	147	4	are	be	AUX
cjfa-63101	147	5	listed	list	VERB
cjfa-63101	147	6	in	in	ADP
cjfa-63101	147	7	table	table	NOUN
cjfa-63101	147	8	2	2	NUM
cjfa-63101	147	9	.	.	PUNCT
cjfa-63101	148	1	this	this	PRON
cjfa-63101	148	2	means	mean	VERB
cjfa-63101	148	3	that	that	SCONJ
cjfa-63101	148	4	not	not	PART
cjfa-63101	148	5	all	all	DET
cjfa-63101	148	6	the	the	DET
cjfa-63101	148	7	variables	variable	NOUN
cjfa-63101	148	8	are	be	AUX
cjfa-63101	148	9	normally	normally	ADV
cjfa-63101	148	10	distributed	distribute	VERB
cjfa-63101	148	11	.	.	PUNCT
cjfa-63101	149	1	correlation	correlation	NOUN
cjfa-63101	149	2	analysiscorrelation	analysiscorrelation	NOUN
cjfa-63101	149	3	analysis	analysis	NOUN
cjfa-63101	149	4	table	table	NOUN
cjfa-63101	149	5	3	3	NUM
cjfa-63101	149	6	.	.	PUNCT
cjfa-63101	149	7	correlation	correlation	NOUN
cjfa-63101	149	8	matrix	matrix	NOUN
cjfa-63101	149	9	d_r	d_r	NOUN
cjfa-63101	149	10	_	_	PRON
cjfa-63101	149	11	z_score	z_score	NOUN
cjfa-63101	149	12	ol	ol	PROPN
cjfa-63101	149	13	od	od	PROPN
cjfa-63101	149	14	inf_d	inf_d	ADJ
cjfa-63101	149	15	mean	mean	NOUN
cjfa-63101	149	16	11.7889	11.7889	NUM
cjfa-63101	149	17	12.8085	12.8085	NUM
cjfa-63101	149	18	15.3294	15.3294	NUM
cjfa-63101	149	19	22.3571	22.3571	NUM
cjfa-63101	149	20	20.8105	20.8105	NUM
cjfa-63101	149	21	median	median	NOUN
cjfa-63101	149	22	11.5729	11.5729	NUM
cjfa-63101	149	23	13.1927	13.1927	NUM
cjfa-63101	149	24	15.3317	15.3317	NUM
cjfa-63101	149	25	22.3733	22.3733	NUM
cjfa-63101	149	26	15.115	15.115	NUM
cjfa-63101	149	27	maximum	maximum	NOUN
cjfa-63101	149	28	17.4752	17.4752	NUM
cjfa-63101	149	29	14.7706	14.7706	NUM
cjfa-63101	149	30	22.3622	22.3622	NUM
cjfa-63101	149	31	26.945	26.945	NUM
cjfa-63101	149	32	89.0766	89.0766	NUM
cjfa-63101	149	33	minimum	minimum	ADJ
cjfa-63101	149	34	8.52025	8.52025	NUM
cjfa-63101	149	35	9.52205	9.52205	NUM
cjfa-63101	149	36	11.53	11.53	NUM
cjfa-63101	149	37	16.4438	16.4438	NUM
cjfa-63101	149	38	-41.434	-41.434	NOUN
cjfa-63101	149	39	std	std	PROPN
cjfa-63101	149	40	.	.	PROPN
cjfa-63101	150	1	dev	dev	PROPN
cjfa-63101	150	2	.	.	PUNCT
cjfa-63101	151	1	2.1167	2.1167	NUM
cjfa-63101	151	2	1.42511	1.42511	NUM
cjfa-63101	151	3	2.59483	2.59483	NUM
cjfa-63101	151	4	2.7292	2.7292	NUM
cjfa-63101	151	5	21.5054	21.5054	NUM
cjfa-63101	151	6	skewness	skewness	NOUN
cjfa-63101	151	7	0.53887	0.53887	NUM
cjfa-63101	151	8	-0.8345	-0.8345	NOUN
cjfa-63101	151	9	0.40634	0.40634	NUM
cjfa-63101	151	10	-0.1868	-0.1868	VERB
cjfa-63101	151	11	1.51229	1.51229	NUM
cjfa-63101	151	12	kurtosis	kurtosis	NOUN
cjfa-63101	151	13	3.33449	3.33449	NUM
cjfa-63101	151	14	2.71352	2.71352	NUM
cjfa-63101	151	15	2.48025	2.48025	NUM
cjfa-63101	151	16	2.50573	2.50573	NUM
cjfa-63101	151	17	6.52602	6.52602	NUM
cjfa-63101	151	18	jarque	jarque	NOUN
cjfa-63101	151	19	-	-	PUNCT
cjfa-63101	151	20	bera	bera	NOUN
cjfa-63101	151	21	3.60801	3.60801	NUM
cjfa-63101	151	22	8.1249	8.1249	NUM
cjfa-63101	151	23	2.63664	2.63664	NUM
cjfa-63101	151	24	1.0875	1.0875	NUM
cjfa-63101	151	25	61.1458	61.1458	NUM
cjfa-63101	151	26	probability	probability	NOUN
cjfa-63101	151	27	0.16464	0.16464	NUM
cjfa-63101	151	28	0.01721	0.01721	NUM
cjfa-63101	151	29	0.26759	0.26759	NUM
cjfa-63101	151	30	0.58057	0.58057	NUM
cjfa-63101	151	31	0	0	NUM
cjfa-63101	151	32	sum	sum	PROPN
cjfa-63101	151	33	801.642	801.642	NUM
cjfa-63101	151	34	870.976	870.976	NUM
cjfa-63101	151	35	1042.4	1042.4	NUM
cjfa-63101	151	36	1520.28	1520.28	NUM
cjfa-63101	151	37	1415.11	1415.11	NUM
cjfa-63101	151	38	sum	sum	NOUN
cjfa-63101	151	39	sq	sq	PROPN
cjfa-63101	151	40	.	.	PROPN
cjfa-63101	151	41	dev	dev	PROPN
cjfa-63101	151	42	.	.	PUNCT
cjfa-63101	152	1	300.188	300.188	NUM
cjfa-63101	152	2	136.073	136.073	NUM
cjfa-63101	152	3	451.121	451.121	NUM
cjfa-63101	152	4	499.051	499.051	NUM
cjfa-63101	152	5	30986.4	30986.4	NUM
cjfa-63101	152	6	observations	observation	NOUN
cjfa-63101	152	7	68	68	NUM
cjfa-63101	152	8	68	68	NUM
cjfa-63101	152	9	68	68	NUM
cjfa-63101	152	10	68	68	NUM
cjfa-63101	152	11	68	68	NUM
cjfa-63101	152	12	s	s	NOUN
cjfa-63101	152	13	o	o	NOUN
cjfa-63101	152	14	u	u	NOUN
cjfa-63101	152	15	r	r	NOUN
cjfa-63101	152	16	c	c	NOUN
cjfa-63101	152	17	e	e	NOUN
cjfa-63101	152	18	:	:	PUNCT
cjfa-63101	152	19	field	field	NOUN
cjfa-63101	152	20	survey	survey	NOUN
cjfa-63101	152	21	2022	2022	NUM
cjfa-63101	152	22	;	;	PUNCT
cjfa-63101	152	23	analyzed	analyze	VERB
cjfa-63101	152	24	with	with	ADP
cjfa-63101	152	25	eviews	eviews	PROPN
cjfa-63101	152	26	12	12	NUM
cjfa-63101	152	27	.	.	PUNCT
cjfa-63101	153	1	a	a	DET
cjfa-63101	153	2	thorough	thorough	ADJ
cjfa-63101	153	3	examination	examination	NOUN
cjfa-63101	153	4	of	of	ADP
cjfa-63101	153	5	table	table	NOUN
cjfa-63101	153	6	3	3	NUM
cjfa-63101	153	7	reveals	reveal	VERB
cjfa-63101	153	8	that	that	SCONJ
cjfa-63101	153	9	none	none	NOUN
cjfa-63101	153	10	of	of	ADP
cjfa-63101	153	11	the	the	DET
cjfa-63101	153	12	pairwise	pairwise	NOUN
cjfa-63101	153	13	correlations	correlation	NOUN
cjfa-63101	153	14	between	between	ADP
cjfa-63101	153	15	the	the	DET
cjfa-63101	153	16	independent	independent	ADJ
cjfa-63101	153	17	variables	variable	NOUN
cjfa-63101	153	18	exceeds	exceed	VERB
cjfa-63101	153	19	0.9	0.9	NUM
cjfa-63101	153	20	,	,	PUNCT
cjfa-63101	153	21	indicating	indicate	VERB
cjfa-63101	153	22	no	no	DET
cjfa-63101	153	23	multicollinearity	multicollinearity	NOUN
cjfa-63101	153	24	among	among	ADP
cjfa-63101	153	25	the	the	DET
cjfa-63101	153	26	regressors	regressor	NOUN
cjfa-63101	153	27	(	(	PUNCT
cjfa-63101	153	28	daoud	daoud	PROPN
cjfa-63101	153	29	,	,	PUNCT
cjfa-63101	153	30	2017	2017	NUM
cjfa-63101	153	31	)	)	PUNCT
cjfa-63101	153	32	.	.	PUNCT
cjfa-63101	154	1	financial	financial	ADJ
cjfa-63101	154	2	inclusion	inclusion	NOUN
cjfa-63101	154	3	towards	towards	ADP
cjfa-63101	154	4	financial	financial	ADJ
cjfa-63101	154	5	stability	stability	NOUN
cjfa-63101	154	6	in	in	ADP
cjfa-63101	154	7	ghana	ghana	PROPN
cjfa-63101	154	8	…	…	PUNCT
cjfa-63101	154	9	5757	5757	NUM
cjfa-63101	154	10	unit	unit	NOUN
cjfa-63101	154	11	root	root	NOUN
cjfa-63101	154	12	testunit	testunit	VERB
cjfa-63101	154	13	root	root	PROPN
cjfa-63101	154	14	test	test	NOUN
cjfa-63101	154	15	the	the	DET
cjfa-63101	154	16	ardl	ardl	NOUN
cjfa-63101	154	17	cointegration	cointegration	NOUN
cjfa-63101	154	18	estimation	estimation	NOUN
cjfa-63101	154	19	requires	require	VERB
cjfa-63101	154	20	variables	variable	NOUN
cjfa-63101	154	21	to	to	PART
cjfa-63101	154	22	be	be	AUX
cjfa-63101	154	23	cointegrated	cointegrate	VERB
cjfa-63101	154	24	at	at	ADP
cjfa-63101	154	25	i(0	i(0	PROPN
cjfa-63101	154	26	)	)	PUNCT
cjfa-63101	154	27	or	or	CCONJ
cjfa-63101	154	28	i(1	i(1	NOUN
cjfa-63101	154	29	)	)	PUNCT
cjfa-63101	154	30	.	.	PUNCT
cjfa-63101	155	1	philip	philip	PROPN
cjfa-63101	155	2	–	–	PUNCT
cjfa-63101	155	3	perron	perron	PROPN
cjfa-63101	155	4	and	and	CCONJ
cjfa-63101	155	5	augmented	augment	VERB
cjfa-63101	155	6	dickey	dickey	PROPN
cjfa-63101	155	7	-	-	PUNCT
cjfa-63101	155	8	fuller	full	ADJ
cjfa-63101	155	9	tests	test	NOUN
cjfa-63101	155	10	were	be	AUX
cjfa-63101	155	11	used	use	VERB
cjfa-63101	155	12	for	for	ADP
cjfa-63101	155	13	all	all	DET
cjfa-63101	155	14	variables	variable	NOUN
cjfa-63101	155	15	at	at	ADP
cjfa-63101	155	16	levels	level	NOUN
cjfa-63101	155	17	and	and	CCONJ
cjfa-63101	155	18	first	first	ADJ
cjfa-63101	155	19	differences	difference	NOUN
cjfa-63101	155	20	.	.	PUNCT
cjfa-63101	156	1	the	the	DET
cjfa-63101	156	2	results	result	NOUN
cjfa-63101	156	3	are	be	AUX
cjfa-63101	156	4	presented	present	VERB
cjfa-63101	156	5	in	in	ADP
cjfa-63101	156	6	tables	table	NOUN
cjfa-63101	156	7	4	4	NUM
cjfa-63101	156	8	and	and	CCONJ
cjfa-63101	156	9	5	5	NUM
cjfa-63101	156	10	.	.	NOUN
cjfa-63101	156	11	table	table	NOUN
cjfa-63101	156	12	4	4	NUM
cjfa-63101	156	13	.	.	PUNCT
cjfa-63101	157	1	adf	adf	PROPN
cjfa-63101	157	2	unit	unit	NOUN
cjfa-63101	157	3	root	root	PROPN
cjfa-63101	157	4	estimation	estimation	NOUN
cjfa-63101	157	5	based	base	VERB
cjfa-63101	157	6	on	on	ADP
cjfa-63101	157	7	trend	trend	NOUN
cjfa-63101	157	8	and	and	CCONJ
cjfa-63101	157	9	intercept	intercept	NOUN
cjfa-63101	157	10	d_r	d_r	PROPN
cjfa-63101	157	11	_	_	NOUN
cjfa-63101	157	12	z_score	z_score	NOUN
cjfa-63101	157	13	ol	ol	PROPN
cjfa-63101	157	14	od	od	PROPN
cjfa-63101	157	15	inf_d	inf_d	ADJ
cjfa-63101	157	16	mean	mean	NOUN
cjfa-63101	157	17	11.7889	11.7889	NUM
cjfa-63101	157	18	12.8085	12.8085	NUM
cjfa-63101	157	19	15.3294	15.3294	NUM
cjfa-63101	157	20	22.3571	22.3571	NUM
cjfa-63101	157	21	20.8105	20.8105	NUM
cjfa-63101	157	22	median	median	NOUN
cjfa-63101	157	23	11.5729	11.5729	NUM
cjfa-63101	157	24	13.1927	13.1927	NUM
cjfa-63101	157	25	15.3317	15.3317	NUM
cjfa-63101	157	26	22.3733	22.3733	NUM
cjfa-63101	157	27	15.115	15.115	NUM
cjfa-63101	157	28	maximum	maximum	NOUN
cjfa-63101	157	29	17.4752	17.4752	NUM
cjfa-63101	157	30	14.7706	14.7706	NUM
cjfa-63101	157	31	22.3622	22.3622	NUM
cjfa-63101	157	32	26.945	26.945	NUM
cjfa-63101	157	33	89.0766	89.0766	NUM
cjfa-63101	157	34	minimum	minimum	ADJ
cjfa-63101	157	35	8.52025	8.52025	NUM
cjfa-63101	157	36	9.52205	9.52205	NUM
cjfa-63101	157	37	11.53	11.53	NUM
cjfa-63101	157	38	16.4438	16.4438	NUM
cjfa-63101	157	39	-41.434	-41.434	NOUN
cjfa-63101	158	1	std	std	PROPN
cjfa-63101	158	2	.	.	PROPN
cjfa-63101	158	3	dev	dev	PROPN
cjfa-63101	158	4	.	.	PUNCT
cjfa-63101	159	1	2.1167	2.1167	NUM
cjfa-63101	159	2	1.42511	1.42511	NUM
cjfa-63101	159	3	2.59483	2.59483	NUM
cjfa-63101	159	4	2.7292	2.7292	NUM
cjfa-63101	159	5	21.5054	21.5054	NUM
cjfa-63101	159	6	skewness	skewness	NOUN
cjfa-63101	159	7	0.53887	0.53887	NUM
cjfa-63101	159	8	-0.8345	-0.8345	NOUN
cjfa-63101	159	9	0.40634	0.40634	NUM
cjfa-63101	159	10	-0.1868	-0.1868	VERB
cjfa-63101	159	11	1.51229	1.51229	NUM
cjfa-63101	159	12	kurtosis	kurtosis	NOUN
cjfa-63101	159	13	3.33449	3.33449	NUM
cjfa-63101	159	14	2.71352	2.71352	NUM
cjfa-63101	159	15	2.48025	2.48025	NUM
cjfa-63101	159	16	2.50573	2.50573	NUM
cjfa-63101	159	17	6.52602	6.52602	NUM
cjfa-63101	159	18	jarque	jarque	NOUN
cjfa-63101	159	19	-	-	PUNCT
cjfa-63101	159	20	bera	bera	NOUN
cjfa-63101	159	21	3.60801	3.60801	NUM
cjfa-63101	159	22	8.1249	8.1249	NUM
cjfa-63101	159	23	2.63664	2.63664	NUM
cjfa-63101	159	24	1.0875	1.0875	NUM
cjfa-63101	159	25	61.1458	61.1458	NUM
cjfa-63101	159	26	probability	probability	NOUN
cjfa-63101	159	27	0.16464	0.16464	NUM
cjfa-63101	159	28	0.01721	0.01721	NUM
cjfa-63101	159	29	0.26759	0.26759	NUM
cjfa-63101	159	30	0.58057	0.58057	NUM
cjfa-63101	159	31	0	0	NUM
cjfa-63101	159	32	sum	sum	PROPN
cjfa-63101	159	33	801.642	801.642	NUM
cjfa-63101	159	34	870.976	870.976	NUM
cjfa-63101	159	35	1042.4	1042.4	NUM
cjfa-63101	159	36	1520.28	1520.28	NUM
cjfa-63101	159	37	1415.11	1415.11	NUM
cjfa-63101	159	38	sum	sum	NOUN
cjfa-63101	159	39	sq	sq	PROPN
cjfa-63101	159	40	.	.	PROPN
cjfa-63101	159	41	dev	dev	PROPN
cjfa-63101	159	42	.	.	PUNCT
cjfa-63101	160	1	300.188	300.188	NUM
cjfa-63101	160	2	136.073	136.073	NUM
cjfa-63101	160	3	451.121	451.121	NUM
cjfa-63101	160	4	499.051	499.051	NUM
cjfa-63101	160	5	30986.4	30986.4	NUM
cjfa-63101	160	6	observations	observation	NOUN
cjfa-63101	160	7	68	68	NUM
cjfa-63101	160	8	68	68	NUM
cjfa-63101	160	9	68	68	NUM
cjfa-63101	160	10	68	68	NUM
cjfa-63101	160	11	68	68	NUM
cjfa-63101	160	12	s	s	NOUN
cjfa-63101	160	13	o	o	NOUN
cjfa-63101	160	14	u	u	NOUN
cjfa-63101	160	15	r	r	NOUN
cjfa-63101	160	16	c	c	NOUN
cjfa-63101	160	17	e	e	NOUN
cjfa-63101	160	18	:	:	PUNCT
cjfa-63101	160	19	field	field	NOUN
cjfa-63101	160	20	survey	survey	NOUN
cjfa-63101	160	21	2022	2022	NUM
cjfa-63101	160	22	;	;	PUNCT
cjfa-63101	160	23	analyzed	analyze	VERB
cjfa-63101	160	24	with	with	ADP
cjfa-63101	160	25	eviews	eviews	PROPN
cjfa-63101	160	26	12	12	NUM
cjfa-63101	160	27	.	.	PUNCT
cjfa-63101	161	1	the	the	DET
cjfa-63101	161	2	results	result	NOUN
cjfa-63101	161	3	show	show	VERB
cjfa-63101	161	4	that	that	SCONJ
cjfa-63101	161	5	financial	financial	ADJ
cjfa-63101	161	6	stability	stability	NOUN
cjfa-63101	161	7	,	,	PUNCT
cjfa-63101	161	8	financial	financial	ADJ
cjfa-63101	161	9	inclusion	inclusion	NOUN
cjfa-63101	161	10	,	,	PUNCT
cjfa-63101	161	11	interest	interest	NOUN
cjfa-63101	161	12	rate	rate	NOUN
cjfa-63101	161	13	,	,	PUNCT
cjfa-63101	161	14	and	and	CCONJ
cjfa-63101	161	15	inflation	inflation	NOUN
cjfa-63101	161	16	are	be	AUX
cjfa-63101	161	17	stationary	stationary	ADJ
cjfa-63101	161	18	at	at	ADP
cjfa-63101	161	19	the	the	DET
cjfa-63101	161	20	first	first	ADJ
cjfa-63101	161	21	difference	difference	NOUN
cjfa-63101	161	22	but	but	CCONJ
cjfa-63101	161	23	not	not	PART
cjfa-63101	161	24	at	at	ADP
cjfa-63101	161	25	the	the	DET
cjfa-63101	161	26	level	level	NOUN
cjfa-63101	161	27	(	(	PUNCT
cjfa-63101	161	28	table	table	NOUN
cjfa-63101	161	29	4	4	NUM
cjfa-63101	161	30	)	)	PUNCT
cjfa-63101	161	31	,	,	PUNCT
cjfa-63101	161	32	indicating	indicate	VERB
cjfa-63101	161	33	that	that	SCONJ
cjfa-63101	161	34	all	all	DET
cjfa-63101	161	35	the	the	DET
cjfa-63101	161	36	variables	variable	NOUN
cjfa-63101	161	37	are	be	AUX
cjfa-63101	161	38	integrated	integrate	VERB
cjfa-63101	161	39	of	of	ADP
cjfa-63101	161	40	order	order	NOUN
cjfa-63101	161	41	1	1	X
cjfa-63101	161	42	.	.	PUNCT
cjfa-63101	161	43	philomina	philomina	PROPN
cjfa-63101	161	44	maku	maku	PROPN
cjfa-63101	161	45	narh	narh	PROPN
cjfa-63101	161	46	,	,	PUNCT
cjfa-63101	161	47	collins	collins	PROPN
cjfa-63101	161	48	dodzi	dodzi	VERB
cjfa-63101	161	49	dzitse5858	dzitse5858	NOUN
cjfa-63101	161	50	table	table	NOUN
cjfa-63101	161	51	5	5	NUM
cjfa-63101	161	52	.	.	PUNCT
cjfa-63101	162	1	pp	pp	PROPN
cjfa-63101	162	2	unit	unit	NOUN
cjfa-63101	162	3	root	root	NOUN
cjfa-63101	162	4	estimation	estimation	NOUN
cjfa-63101	162	5	based	base	VERB
cjfa-63101	162	6	on	on	ADP
cjfa-63101	162	7	trend	trend	NOUN
cjfa-63101	162	8	and	and	CCONJ
cjfa-63101	162	9	intercept	intercept	NOUN
cjfa-63101	162	10	variables	variable	NOUN
cjfa-63101	162	11	level	level	NOUN
cjfa-63101	162	12	first	first	ADJ
cjfa-63101	162	13	difference	difference	NOUN
cjfa-63101	162	14	t	t	PROPN
cjfa-63101	162	15	statistic	statistic	NOUN
cjfa-63101	162	16	p	p	PROPN
cjfa-63101	162	17	value	value	NOUN
cjfa-63101	162	18	t	t	PROPN
cjfa-63101	162	19	statistic	statistic	NOUN
cjfa-63101	162	20	p	p	NOUN
cjfa-63101	162	21	value	value	NOUN
cjfa-63101	162	22	lnzscore	lnzscore	ADJ
cjfa-63101	162	23	-3.4783	-3.4783	NOUN
cjfa-63101	162	24	0.4878	0.4878	NUM
cjfa-63101	162	25	-3.4794	-3.4794	NOUN
cjfa-63101	162	26	0.0094	0.0094	NUM
cjfa-63101	162	27	lnol	lnol	NOUN
cjfa-63101	162	28	-3.4783	-3.4783	NOUN
cjfa-63101	162	29	0.1038	0.1038	NUM
cjfa-63101	162	30	-3.4794	-3.4794	NOUN
cjfa-63101	163	1	0.0066	0.0066	NUM
cjfa-63101	163	2	lnod	lnod	PROPN
cjfa-63101	163	3	-3.4783	-3.4783	NOUN
cjfa-63101	163	4	0.0377	0.0377	NUM
cjfa-63101	163	5	-3.4794	-3.4794	NOUN
cjfa-63101	163	6	0.008	0.008	NUM
cjfa-63101	163	7	lndr	lndr	PROPN
cjfa-63101	163	8	-3.4783	-3.4783	NOUN
cjfa-63101	163	9	0.3504	0.3504	NUM
cjfa-63101	163	10	-3.4794	-3.4794	NOUN
cjfa-63101	163	11	0.0283	0.0283	NUM
cjfa-63101	163	12	lninfd	lninfd	ADV
cjfa-63101	163	13	-3.4794	-3.4794	NOUN
cjfa-63101	163	14	0	0	PUNCT
cjfa-63101	164	1	-3.4805	-3.4805	NOUN
cjfa-63101	164	2	0	0	NUM
cjfa-63101	164	3	s	s	PART
cjfa-63101	164	4	o	o	X
cjfa-63101	164	5	u	u	NOUN
cjfa-63101	164	6	r	r	NOUN
cjfa-63101	164	7	c	c	NOUN
cjfa-63101	164	8	e	e	NOUN
cjfa-63101	164	9	:	:	PUNCT
cjfa-63101	164	10	field	field	NOUN
cjfa-63101	164	11	survey	survey	NOUN
cjfa-63101	164	12	2022	2022	NUM
cjfa-63101	164	13	;	;	PUNCT
cjfa-63101	164	14	analyzed	analyze	VERB
cjfa-63101	164	15	with	with	ADP
cjfa-63101	164	16	eviews	eviews	PROPN
cjfa-63101	164	17	12	12	NUM
cjfa-63101	164	18	.	.	PUNCT
cjfa-63101	165	1	the	the	DET
cjfa-63101	165	2	results	result	NOUN
cjfa-63101	165	3	of	of	ADP
cjfa-63101	165	4	the	the	DET
cjfa-63101	165	5	philip	philip	PROPN
cjfa-63101	165	6	–	–	PUNCT
cjfa-63101	165	7	perron	perron	PROPN
cjfa-63101	165	8	tests	test	VERB
cjfa-63101	165	9	in	in	ADP
cjfa-63101	165	10	table	table	NOUN
cjfa-63101	165	11	5	5	NUM
cjfa-63101	165	12	show	show	VERB
cjfa-63101	165	13	that	that	SCONJ
cjfa-63101	165	14	inflation	inflation	NOUN
cjfa-63101	165	15	is	be	AUX
cjfa-63101	165	16	stationary	stationary	ADJ
cjfa-63101	165	17	at	at	ADP
cjfa-63101	165	18	order	order	NOUN
cjfa-63101	165	19	0	0	NUM
cjfa-63101	165	20	,	,	PUNCT
cjfa-63101	165	21	indicating	indicate	VERB
cjfa-63101	165	22	its	its	PRON
cjfa-63101	165	23	level	level	NOUN
cjfa-63101	165	24	of	of	ADP
cjfa-63101	165	25	stationarity	stationarity	NOUN
cjfa-63101	165	26	.	.	PUNCT
cjfa-63101	166	1	in	in	ADP
cjfa-63101	166	2	contrast	contrast	NOUN
cjfa-63101	166	3	,	,	PUNCT
cjfa-63101	166	4	financial	financial	ADJ
cjfa-63101	166	5	stability	stability	NOUN
cjfa-63101	166	6	,	,	PUNCT
cjfa-63101	166	7	financial	financial	ADJ
cjfa-63101	166	8	inclusion	inclusion	NOUN
cjfa-63101	166	9	,	,	PUNCT
cjfa-63101	166	10	and	and	CCONJ
cjfa-63101	166	11	interest	interest	NOUN
cjfa-63101	166	12	rates	rate	NOUN
cjfa-63101	166	13	are	be	AUX
cjfa-63101	166	14	stationary	stationary	ADJ
cjfa-63101	166	15	at	at	ADP
cjfa-63101	166	16	order	order	NOUN
cjfa-63101	166	17	1	1	NUM
cjfa-63101	166	18	,	,	PUNCT
cjfa-63101	166	19	indicating	indicate	VERB
cjfa-63101	166	20	their	their	PRON
cjfa-63101	166	21	firstdifference	firstdifference	NOUN
cjfa-63101	166	22	stationarity	stationarity	NOUN
cjfa-63101	166	23	.	.	PUNCT
cjfa-63101	167	1	these	these	DET
cjfa-63101	167	2	findings	finding	NOUN
cjfa-63101	167	3	support	support	VERB
cjfa-63101	167	4	the	the	DET
cjfa-63101	167	5	use	use	NOUN
cjfa-63101	167	6	of	of	ADP
cjfa-63101	167	7	the	the	DET
cjfa-63101	167	8	ardl	ardl	NOUN
cjfa-63101	167	9	estimation	estimation	NOUN
cjfa-63101	167	10	method	method	NOUN
cjfa-63101	167	11	,	,	PUNCT
cjfa-63101	167	12	as	as	SCONJ
cjfa-63101	167	13	confirmed	confirm	VERB
cjfa-63101	167	14	by	by	ADP
cjfa-63101	167	15	the	the	DET
cjfa-63101	167	16	philip	philip	PROPN
cjfa-63101	167	17	–	–	PUNCT
cjfa-63101	167	18	perron	perron	PROPN
cjfa-63101	167	19	(	(	PUNCT
cjfa-63101	167	20	pp	pp	PROPN
cjfa-63101	167	21	)	)	PUNCT
cjfa-63101	167	22	and	and	CCONJ
cjfa-63101	167	23	augmented	augment	VERB
cjfa-63101	167	24	dickey	dickey	PROPN
cjfa-63101	167	25	-	-	PUNCT
cjfa-63101	167	26	fuller	full	ADJ
cjfa-63101	167	27	(	(	PUNCT
cjfa-63101	167	28	adf	adf	NOUN
cjfa-63101	167	29	)	)	PUNCT
cjfa-63101	167	30	tests	test	NOUN
cjfa-63101	167	31	.	.	PUNCT
cjfa-63101	168	1	this	this	DET
cjfa-63101	168	2	study	study	NOUN
cjfa-63101	168	3	assessed	assess	VERB
cjfa-63101	168	4	the	the	DET
cjfa-63101	168	5	co	co	NOUN
cjfa-63101	168	6	-	-	NOUN
cjfa-63101	168	7	integration	integration	NOUN
cjfa-63101	168	8	of	of	ADP
cjfa-63101	168	9	variables	variable	NOUN
cjfa-63101	168	10	using	use	VERB
cjfa-63101	168	11	pesaran	pesaran	NOUN
cjfa-63101	168	12	,	,	PUNCT
cjfa-63101	168	13	shin	shin	PROPN
cjfa-63101	168	14	and	and	CCONJ
cjfa-63101	168	15	smith	smith	PROPN
cjfa-63101	168	16	’s	’s	PART
cjfa-63101	168	17	(	(	PUNCT
cjfa-63101	168	18	2001	2001	NUM
cjfa-63101	168	19	)	)	PUNCT
cjfa-63101	168	20	approach	approach	NOUN
cjfa-63101	168	21	following	follow	VERB
cjfa-63101	168	22	unit	unit	NOUN
cjfa-63101	168	23	root	root	NOUN
cjfa-63101	168	24	tests	test	NOUN
cjfa-63101	168	25	.	.	PUNCT
cjfa-63101	169	1	the	the	DET
cjfa-63101	169	2	appropriate	appropriate	ADJ
cjfa-63101	169	3	lag	lag	NOUN
cjfa-63101	169	4	length	length	NOUN
cjfa-63101	169	5	,	,	PUNCT
cjfa-63101	169	6	determined	determine	VERB
cjfa-63101	169	7	using	use	VERB
cjfa-63101	169	8	the	the	DET
cjfa-63101	169	9	hannan	hannan	PROPN
cjfa-63101	169	10	-	-	PUNCT
cjfa-63101	169	11	quinn	quinn	PROPN
cjfa-63101	169	12	criterion	criterion	NOUN
cjfa-63101	169	13	,	,	PUNCT
cjfa-63101	169	14	schwartz	schwartz	PROPN
cjfa-63101	169	15	bayesian	bayesian	NOUN
cjfa-63101	169	16	criterion	criterion	NOUN
cjfa-63101	169	17	(	(	PUNCT
cjfa-63101	169	18	sbc	sbc	NOUN
cjfa-63101	169	19	)	)	PUNCT
cjfa-63101	169	20	,	,	PUNCT
cjfa-63101	169	21	and	and	CCONJ
cjfa-63101	169	22	akaike	akaike	ADJ
cjfa-63101	169	23	information	information	NOUN
cjfa-63101	169	24	criterion	criterion	NOUN
cjfa-63101	169	25	(	(	PUNCT
cjfa-63101	169	26	aic	aic	PROPN
cjfa-63101	169	27	)	)	PUNCT
cjfa-63101	169	28	,	,	PUNCT
cjfa-63101	169	29	is	be	AUX
cjfa-63101	169	30	presented	present	VERB
cjfa-63101	169	31	in	in	ADP
cjfa-63101	169	32	table	table	NOUN
cjfa-63101	169	33	6	6	NUM
cjfa-63101	169	34	.	.	PUNCT
cjfa-63101	169	35	table	table	NOUN
cjfa-63101	169	36	6	6	NUM
cjfa-63101	169	37	.	.	PUNCT
cjfa-63101	169	38	var	var	PROPN
cjfa-63101	169	39	lag	lag	PROPN
cjfa-63101	169	40	order	order	NOUN
cjfa-63101	169	41	selection	selection	NOUN
cjfa-63101	169	42	criteria	criterion	NOUN
cjfa-63101	169	43	lag	lag	VERB
cjfa-63101	170	1	logl	logl	NOUN
cjfa-63101	170	2	lr	lr	PROPN
cjfa-63101	170	3	fpe	fpe	PROPN
cjfa-63101	170	4	aic	aic	PROPN
cjfa-63101	170	5	sc	sc	PROPN
cjfa-63101	170	6	hq	hq	NOUN
cjfa-63101	170	7	0	0	NUM
cjfa-63101	171	1	157.157	157.157	NUM
cjfa-63101	171	2	na	na	ADP
cjfa-63101	171	3	4.31e-09	4.31e-09	NUM
cjfa-63101	171	4	-5.0719	-5.0719	NOUN
cjfa-63101	171	5	-4.8974	-4.8974	NOUN
cjfa-63101	171	6	-5.0036	-5.0036	NOUN
cjfa-63101	171	7	1	1	NUM
cjfa-63101	171	8	550.488	550.488	NUM
cjfa-63101	171	9	707.996	707.996	NUM
cjfa-63101	171	10	2.01e-14	2.01e-14	NUM
cjfa-63101	171	11	-17.35	-17.35	PROPN
cjfa-63101	171	12	-16.302	-16.302	PUNCT
cjfa-63101	171	13	-16.94	-16.94	PUNCT
cjfa-63101	171	14	2	2	NUM
cjfa-63101	171	15	602.114	602.114	NUM
cjfa-63101	171	16	84.3225	84.3225	NUM
cjfa-63101	171	17	8.44e-15	8.44e-15	NUM
cjfa-63101	171	18	-18.237	-18.237	PROPN
cjfa-63101	171	19	-16.317	-16.317	PUNCT
cjfa-63101	171	20	-17.486	-17.486	PROPN
cjfa-63101	171	21	3	3	NUM
cjfa-63101	171	22	612.87	612.87	NUM
cjfa-63101	171	23	15.7749	15.7749	NUM
cjfa-63101	171	24	1.42e-14	1.42e-14	NUM
cjfa-63101	171	25	-17.762	-17.762	PUNCT
cjfa-63101	172	1	-14.97	-14.97	NOUN
cjfa-63101	172	2	-16.67	-16.67	ADP
cjfa-63101	172	3	4	4	NUM
cjfa-63101	172	4	621.252	621.252	NUM
cjfa-63101	172	5	10.8963	10.8963	NUM
cjfa-63101	172	6	2.70e-14	2.70e-14	NUM
cjfa-63101	172	7	-17.208	-17.208	ADJ
cjfa-63101	172	8	-13.543	-13.543	PUNCT
cjfa-63101	172	9	-15.775	-15.775	NOUN
cjfa-63101	172	10	5	5	NUM
cjfa-63101	172	11	753.635	753.635	NUM
cjfa-63101	172	12	150.034	150.034	NUM
cjfa-63101	172	13	8.76e-16	8.76e-16	NUM
cjfa-63101	172	14	-20.788	-20.788	PUNCT
cjfa-63101	172	15	-16.25	-16.25	PROPN
cjfa-63101	172	16	-19.013	-19.013	PROPN
cjfa-63101	172	17	6	6	NUM
cjfa-63101	172	18	815.268	815.268	NUM
cjfa-63101	172	19	59.5784	59.5784	NUM
cjfa-63101	172	20	3.30e-16	3.30e-16	NUM
cjfa-63101	172	21	-22.009	-22.009	NUM
cjfa-63101	172	22	-16.599	-16.599	ADP
cjfa-63101	172	23	-19.893	-19.893	ADJ
cjfa-63101	172	24	7	7	NUM
cjfa-63101	172	25	852.781	852.781	NUM
cjfa-63101	172	26	30.0109	30.0109	NUM
cjfa-63101	172	27	3.18e-16	3.18e-16	NUM
cjfa-63101	172	28	-22.426	-22.426	PROPN
cjfa-63101	172	29	-16.143	-16.143	PROPN
cjfa-63101	172	30	-19.968	-19.968	PROPN
cjfa-63101	172	31	8	8	NUM
cjfa-63101	172	32	918.012	918.012	NUM
cjfa-63101	172	33	41.31312	41.31312	NUM
cjfa-63101	172	34	*	*	SYM
cjfa-63101	173	1	1.50e-16	1.50e-16	NUM
cjfa-63101	173	2	*	*	PUNCT
cjfa-63101	173	3	-23.76708	-23.76708	PROPN
cjfa-63101	173	4	*	*	PUNCT
cjfa-63101	173	5	-16.61140	-16.61140	NUM
cjfa-63101	173	6	*	*	NOUN
cjfa-63101	173	7	-20.96810	-20.96810	PUNCT
cjfa-63101	173	8	*	*	NOUN
cjfa-63101	173	9	s	s	PART
cjfa-63101	173	10	o	o	X
cjfa-63101	173	11	u	u	NOUN
cjfa-63101	173	12	r	r	NOUN
cjfa-63101	173	13	c	c	NOUN
cjfa-63101	173	14	e	e	NOUN
cjfa-63101	173	15	:	:	PUNCT
cjfa-63101	173	16	field	field	NOUN
cjfa-63101	173	17	survey	survey	NOUN
cjfa-63101	173	18	2022	2022	NUM
cjfa-63101	173	19	;	;	PUNCT
cjfa-63101	173	20	analyzed	analyze	VERB
cjfa-63101	173	21	with	with	ADP
cjfa-63101	173	22	eviews	eviews	PROPN
cjfa-63101	173	23	12	12	NUM
cjfa-63101	173	24	.	.	PUNCT
cjfa-63101	174	1	financial	financial	ADJ
cjfa-63101	174	2	inclusion	inclusion	NOUN
cjfa-63101	174	3	towards	towards	ADP
cjfa-63101	174	4	financial	financial	ADJ
cjfa-63101	174	5	stability	stability	NOUN
cjfa-63101	174	6	in	in	ADP
cjfa-63101	174	7	ghana	ghana	PROPN
cjfa-63101	174	8	…	…	PUNCT
cjfa-63101	174	9	5959	5959	NUM
cjfa-63101	174	10	ardl	ardl	NOUN
cjfa-63101	174	11	resultsardl	resultsardl	NOUN
cjfa-63101	174	12	results	result	NOUN
cjfa-63101	174	13	bounds	bound	VERB
cjfa-63101	174	14	testbounds	testbound	NOUN
cjfa-63101	174	15	test	test	NOUN
cjfa-63101	174	16	table	table	NOUN
cjfa-63101	174	17	7	7	NUM
cjfa-63101	174	18	.	.	PUNCT
cjfa-63101	175	1	f	f	X
cjfa-63101	175	2	-	-	PUNCT
cjfa-63101	175	3	bounds	bound	NOUN
cjfa-63101	175	4	test	test	NOUN
cjfa-63101	175	5	f	f	X
cjfa-63101	175	6	-	-	PUNCT
cjfa-63101	175	7	bounds	bound	NOUN
cjfa-63101	175	8	test	test	NOUN
cjfa-63101	175	9	null	null	ADJ
cjfa-63101	175	10	hypothesis	hypothesis	NOUN
cjfa-63101	175	11	:	:	PUNCT
cjfa-63101	175	12	no	no	DET
cjfa-63101	175	13	levels	level	NOUN
cjfa-63101	175	14	relationship	relationship	NOUN
cjfa-63101	175	15	test	test	NOUN
cjfa-63101	175	16	statistic	statistic	PROPN
cjfa-63101	175	17	value	value	NOUN
cjfa-63101	175	18	signif	signif	NOUN
cjfa-63101	175	19	.	.	PUNCT
cjfa-63101	176	1	i(0	i(0	PROPN
cjfa-63101	176	2	)	)	PUNCT
cjfa-63101	176	3	i(1	i(1	PROPN
cjfa-63101	176	4	)	)	PUNCT
cjfa-63101	176	5	f	f	X
cjfa-63101	176	6	-	-	PUNCT
cjfa-63101	176	7	statistic	statistic	ADJ
cjfa-63101	176	8	127.169	127.169	NUM
cjfa-63101	176	9	10	10	NUM
cjfa-63101	176	10	%	%	NOUN
cjfa-63101	176	11	3.03	3.03	NUM
cjfa-63101	176	12	4.06	4.06	NUM
cjfa-63101	176	13	k	k	NOUN
cjfa-63101	176	14	4	4	NUM
cjfa-63101	176	15	5	5	NUM
cjfa-63101	176	16	%	%	NOUN
cjfa-63101	176	17	3.47	3.47	NUM
cjfa-63101	176	18	4.57	4.57	NUM
cjfa-63101	176	19	2.50	2.50	NUM
cjfa-63101	176	20	%	%	NOUN
cjfa-63101	176	21	3.89	3.89	NUM
cjfa-63101	176	22	5.07	5.07	NUM
cjfa-63101	176	23	1	1	NUM
cjfa-63101	176	24	%	%	NOUN
cjfa-63101	176	25	4.4	4.4	NUM
cjfa-63101	176	26	5.72	5.72	NUM
cjfa-63101	176	27	s	s	NOUN
cjfa-63101	176	28	o	o	NOUN
cjfa-63101	176	29	u	u	NOUN
cjfa-63101	176	30	r	r	NOUN
cjfa-63101	176	31	c	c	NOUN
cjfa-63101	176	32	e	e	NOUN
cjfa-63101	176	33	:	:	PUNCT
cjfa-63101	176	34	field	field	NOUN
cjfa-63101	176	35	survey	survey	NOUN
cjfa-63101	176	36	2022	2022	NUM
cjfa-63101	176	37	;	;	PUNCT
cjfa-63101	176	38	analyzed	analyze	VERB
cjfa-63101	176	39	with	with	ADP
cjfa-63101	176	40	eviews	eviews	PROPN
cjfa-63101	176	41	12	12	NUM
cjfa-63101	176	42	.	.	PUNCT
cjfa-63101	176	43	table	table	NOUN
cjfa-63101	176	44	7	7	NUM
cjfa-63101	176	45	shows	show	VERB
cjfa-63101	176	46	that	that	SCONJ
cjfa-63101	176	47	the	the	DET
cjfa-63101	176	48	f	f	ADJ
cjfa-63101	176	49	-	-	PUNCT
cjfa-63101	176	50	static	static	ADJ
cjfa-63101	176	51	value	value	NOUN
cjfa-63101	176	52	of	of	ADP
cjfa-63101	176	53	127.1689	127.1689	NUM
cjfa-63101	176	54	exceeds	exceed	NOUN
cjfa-63101	176	55	the	the	DET
cjfa-63101	176	56	lower	low	ADJ
cjfa-63101	176	57	and	and	CCONJ
cjfa-63101	176	58	upper	upper	ADJ
cjfa-63101	176	59	bounds	bound	NOUN
cjfa-63101	176	60	,	,	PUNCT
cjfa-63101	176	61	indicating	indicate	VERB
cjfa-63101	176	62	long	long	ADJ
cjfa-63101	176	63	-	-	PUNCT
cjfa-63101	176	64	run	run	NOUN
cjfa-63101	176	65	cointegration	cointegration	NOUN
cjfa-63101	176	66	between	between	ADP
cjfa-63101	176	67	financial	financial	ADJ
cjfa-63101	176	68	inclusion	inclusion	NOUN
cjfa-63101	176	69	and	and	CCONJ
cjfa-63101	176	70	stability	stability	NOUN
cjfa-63101	176	71	when	when	SCONJ
cjfa-63101	176	72	stability	stability	NOUN
cjfa-63101	176	73	is	be	AUX
cjfa-63101	176	74	the	the	DET
cjfa-63101	176	75	dependent	dependent	ADJ
cjfa-63101	176	76	variable	variable	NOUN
cjfa-63101	176	77	.	.	PUNCT
cjfa-63101	177	1	consequently	consequently	ADV
cjfa-63101	177	2	,	,	PUNCT
cjfa-63101	177	3	a	a	DET
cjfa-63101	177	4	quantile	quantile	ADJ
cjfa-63101	177	5	regression	regression	NOUN
cjfa-63101	177	6	model	model	NOUN
cjfa-63101	177	7	can	can	AUX
cjfa-63101	177	8	be	be	AUX
cjfa-63101	177	9	estimated	estimate	VERB
cjfa-63101	177	10	at	at	ADP
cjfa-63101	177	11	these	these	DET
cjfa-63101	177	12	levels	level	NOUN
cjfa-63101	177	13	.	.	PUNCT
cjfa-63101	178	1	table	table	NOUN
cjfa-63101	178	2	8	8	NUM
cjfa-63101	178	3	provides	provide	VERB
cjfa-63101	178	4	the	the	DET
cjfa-63101	178	5	error	error	NOUN
cjfa-63101	178	6	correction	correction	NOUN
cjfa-63101	178	7	model	model	NOUN
cjfa-63101	178	8	(	(	PUNCT
cjfa-63101	178	9	ecm	ecm	PROPN
cjfa-63101	178	10	)	)	PUNCT
cjfa-63101	178	11	,	,	PUNCT
cjfa-63101	178	12	or	or	CCONJ
cjfa-63101	178	13	short	short	ADJ
cjfa-63101	178	14	-	-	PUNCT
cjfa-63101	178	15	run	run	NOUN
cjfa-63101	178	16	model	model	NOUN
cjfa-63101	178	17	,	,	PUNCT
cjfa-63101	178	18	to	to	PART
cjfa-63101	178	19	further	far	ADV
cjfa-63101	178	20	confirm	confirm	VERB
cjfa-63101	178	21	the	the	DET
cjfa-63101	178	22	long	long	ADJ
cjfa-63101	178	23	-	-	PUNCT
cjfa-63101	178	24	term	term	NOUN
cjfa-63101	178	25	relationship	relationship	NOUN
cjfa-63101	178	26	.	.	PUNCT
cjfa-63101	179	1	table	table	NOUN
cjfa-63101	179	2	8	8	NUM
cjfa-63101	179	3	.	.	PUNCT
cjfa-63101	180	1	error	error	NOUN
cjfa-63101	180	2	correction	correction	NOUN
cjfa-63101	180	3	model	model	VERB
cjfa-63101	180	4	dependent	dependent	ADJ
cjfa-63101	180	5	variable	variable	NOUN
cjfa-63101	180	6	:	:	PUNCT
cjfa-63101	180	7	d(lnzscore	d(lnzscore	NOUN
cjfa-63101	180	8	)	)	PUNCT
cjfa-63101	180	9	selected	select	VERB
cjfa-63101	180	10	model	model	NOUN
cjfa-63101	180	11	:	:	PUNCT
cjfa-63101	180	12	ardl(8	ardl(8	NOUN
cjfa-63101	180	13	,	,	PUNCT
cjfa-63101	180	14	8	8	NUM
cjfa-63101	180	15	,	,	PUNCT
cjfa-63101	180	16	8	8	NUM
cjfa-63101	180	17	,	,	PUNCT
cjfa-63101	180	18	8	8	NUM
cjfa-63101	180	19	,	,	PUNCT
cjfa-63101	180	20	8)	8)	NUM
cjfa-63101	180	21	ecm	ecm	NOUN
cjfa-63101	180	22	regression	regression	VERB
cjfa-63101	180	23	variable	variable	ADJ
cjfa-63101	180	24	coefficient	coefficient	NOUN
cjfa-63101	180	25	std	std	NOUN
cjfa-63101	180	26	.	.	NOUN
cjfa-63101	180	27	error	error	NOUN
cjfa-63101	180	28	t	t	NOUN
cjfa-63101	180	29	-	-	PUNCT
cjfa-63101	180	30	statistic	statistic	NOUN
cjfa-63101	180	31	prob	prob	NOUN
cjfa-63101	180	32	.	.	PUNCT
cjfa-63101	181	1	c	c	PROPN
cjfa-63101	181	2	-15.2905	-15.2905	PROPN
cjfa-63101	181	3	0.5351	0.5351	NUM
cjfa-63101	181	4	-28.575	-28.575	INTJ
cjfa-63101	181	5	0	0	NUM
cjfa-63101	181	6	@trend	@trend	NOUN
cjfa-63101	181	7	-0.05985	-0.05985	VERB
cjfa-63101	181	8	0.00208	0.00208	NUM
cjfa-63101	181	9	-28.757	-28.757	NOUN
cjfa-63101	181	10	0	0	NUM
cjfa-63101	181	11	d(lnzscore(-1	d(lnzscore(-1	NUM
cjfa-63101	181	12	)	)	PUNCT
cjfa-63101	181	13	)	)	PUNCT
cjfa-63101	181	14	-3.79122	-3.79122	PUNCT
cjfa-63101	182	1	0.1528	0.1528	NUM
cjfa-63101	182	2	-24.811	-24.811	SYM
cjfa-63101	182	3	0	0	NUM
cjfa-63101	182	4	d(lnzscore(-2	d(lnzscore(-2	NOUN
cjfa-63101	182	5	)	)	PUNCT
cjfa-63101	182	6	)	)	PUNCT
cjfa-63101	182	7	-3.77278	-3.77278	VERB
cjfa-63101	183	1	0.14347	0.14347	NUM
cjfa-63101	183	2	-26.297	-26.297	NOUN
cjfa-63101	183	3	0	0	NUM
cjfa-63101	184	1	d(lnzscore(-3	d(lnzscore(-3	PROPN
cjfa-63101	184	2	)	)	PUNCT
cjfa-63101	184	3	)	)	PUNCT
cjfa-63101	185	1	-3.73469	-3.73469	VERB
cjfa-63101	186	1	0.13908	0.13908	NUM
cjfa-63101	186	2	-26.853	-26.853	NOUN
cjfa-63101	186	3	0	0	PUNCT
cjfa-63101	186	4	philomina	philomina	PROPN
cjfa-63101	186	5	maku	maku	PROPN
cjfa-63101	186	6	narh	narh	PROPN
cjfa-63101	186	7	,	,	PUNCT
cjfa-63101	186	8	collins	collins	PROPN
cjfa-63101	186	9	dodzi	dodzi	VERB
cjfa-63101	186	10	dzitse6060	dzitse6060	PROPN
cjfa-63101	186	11	dependent	dependent	ADJ
cjfa-63101	186	12	variable	variable	NOUN
cjfa-63101	186	13	:	:	PUNCT
cjfa-63101	186	14	d(lnzscore	d(lnzscore	NOUN
cjfa-63101	186	15	)	)	PUNCT
cjfa-63101	186	16	selected	select	VERB
cjfa-63101	186	17	model	model	NOUN
cjfa-63101	186	18	:	:	PUNCT
cjfa-63101	186	19	ardl(8	ardl(8	NOUN
cjfa-63101	186	20	,	,	PUNCT
cjfa-63101	186	21	8	8	NUM
cjfa-63101	186	22	,	,	PUNCT
cjfa-63101	186	23	8	8	NUM
cjfa-63101	186	24	,	,	PUNCT
cjfa-63101	186	25	8	8	NUM
cjfa-63101	186	26	,	,	PUNCT
cjfa-63101	186	27	8)	8)	NUM
cjfa-63101	186	28	ecm	ecm	NOUN
cjfa-63101	186	29	regression	regression	VERB
cjfa-63101	186	30	variable	variable	ADJ
cjfa-63101	186	31	coefficient	coefficient	NOUN
cjfa-63101	186	32	std	std	NOUN
cjfa-63101	186	33	.	.	NOUN
cjfa-63101	186	34	error	error	NOUN
cjfa-63101	186	35	t	t	NOUN
cjfa-63101	186	36	-	-	PUNCT
cjfa-63101	186	37	statistic	statistic	NOUN
cjfa-63101	186	38	prob	prob	NOUN
cjfa-63101	186	39	.	.	PUNCT
cjfa-63101	187	1	d(lnzscore(-4	d(lnzscore(-4	PROPN
cjfa-63101	187	2	)	)	PUNCT
cjfa-63101	187	3	)	)	PUNCT
cjfa-63101	188	1	-1.41717	-1.41717	X
cjfa-63101	189	1	0.04046	0.04046	NUM
cjfa-63101	189	2	-35.028	-35.028	NOUN
cjfa-63101	189	3	0	0	NUM
cjfa-63101	190	1	d(lnzscore(-5	d(lnzscore(-5	NOUN
cjfa-63101	190	2	)	)	PUNCT
cjfa-63101	190	3	)	)	PUNCT
cjfa-63101	191	1	-1.22872	-1.22872	NOUN
cjfa-63101	191	2	0.08151	0.08151	NUM
cjfa-63101	191	3	-15.074	-15.074	PROPN
cjfa-63101	191	4	0	0	NUM
cjfa-63101	191	5	d(lnzscore(-6	d(lnzscore(-6	PROPN
cjfa-63101	191	6	)	)	PUNCT
cjfa-63101	191	7	)	)	PUNCT
cjfa-63101	191	8	-1.14021	-1.14021	VERB
cjfa-63101	192	1	0.073	0.073	NUM
cjfa-63101	192	2	-15.62	-15.62	SYM
cjfa-63101	192	3	0	0	NUM
cjfa-63101	193	1	+	+	ADJ
cjfa-63101	193	2	-++d(lnzscore(-7	-++d(lnzscore(-7	ADJ
cjfa-63101	193	3	)	)	PUNCT
cjfa-63101	194	1	)	)	PUNCT
cjfa-63101	194	2	-1.06234	-1.06234	VERB
cjfa-63101	194	3	0.06752	0.06752	NUM
cjfa-63101	194	4	-15.733	-15.733	NOUN
cjfa-63101	194	5	0	0	NUM
cjfa-63101	194	6	d(lnol	d(lnol	NOUN
cjfa-63101	194	7	)	)	PUNCT
cjfa-63101	195	1	0.249419	0.249419	NUM
cjfa-63101	195	2	0.04017	0.04017	NUM
cjfa-63101	195	3	6.20971	6.20971	NUM
cjfa-63101	195	4	0	0	NUM
cjfa-63101	195	5	d(lnol(-1	d(lnol(-1	ADJ
cjfa-63101	195	6	)	)	PUNCT
cjfa-63101	195	7	)	)	PUNCT
cjfa-63101	196	1	2.77801	2.77801	NUM
cjfa-63101	196	2	0.09795	0.09795	NUM
cjfa-63101	196	3	28.3622	28.3622	NUM
cjfa-63101	196	4	0	0	NUM
cjfa-63101	196	5	d(lnol(-2	d(lnol(-2	NOUN
cjfa-63101	196	6	)	)	PUNCT
cjfa-63101	196	7	)	)	PUNCT
cjfa-63101	197	1	2.853596	2.853596	NUM
cjfa-63101	197	2	0.10489	0.10489	NUM
cjfa-63101	197	3	27.2054	27.2054	NUM
cjfa-63101	197	4	0	0	NUM
cjfa-63101	197	5	d(lnol(-3	d(lnol(-3	ADJ
cjfa-63101	197	6	)	)	PUNCT
cjfa-63101	197	7	)	)	PUNCT
cjfa-63101	198	1	2.91193	2.91193	NUM
cjfa-63101	198	2	0.10819	0.10819	NUM
cjfa-63101	198	3	26.9144	26.9144	NUM
cjfa-63101	198	4	0	0	NUM
cjfa-63101	198	5	d(lnol(-4	d(lnol(-4	PROPN
cjfa-63101	198	6	)	)	PUNCT
cjfa-63101	198	7	)	)	PUNCT
cjfa-63101	199	1	1.529315	1.529315	NUM
cjfa-63101	199	2	0.06246	0.06246	NUM
cjfa-63101	199	3	24.4838	24.4838	NUM
cjfa-63101	199	4	0	0	NUM
cjfa-63101	199	5	d(lnol(-5	d(lnol(-5	NOUN
cjfa-63101	199	6	)	)	PUNCT
cjfa-63101	199	7	)	)	PUNCT
cjfa-63101	200	1	1.59672	1.59672	NUM
cjfa-63101	200	2	0.06717	0.06717	NUM
cjfa-63101	200	3	23.7717	23.7717	NUM
cjfa-63101	200	4	0	0	NUM
cjfa-63101	200	5	d(lnol(-6	d(lnol(-6	PROPN
cjfa-63101	200	6	)	)	PUNCT
cjfa-63101	200	7	)	)	PUNCT
cjfa-63101	200	8	1.64266	1.64266	NUM
cjfa-63101	200	9	0.06839	0.06839	NUM
cjfa-63101	200	10	24.0205	24.0205	NUM
cjfa-63101	200	11	0	0	NUM
cjfa-63101	200	12	d(lnol(-7	d(lnol(-7	PROPN
cjfa-63101	200	13	)	)	PUNCT
cjfa-63101	200	14	)	)	PUNCT
cjfa-63101	201	1	1.684078	1.684078	NUM
cjfa-63101	201	2	0.06959	0.06959	NUM
cjfa-63101	201	3	24.2002	24.2002	NUM
cjfa-63101	201	4	0	0	NUM
cjfa-63101	201	5	d(lnod	d(lnod	NOUN
cjfa-63101	201	6	)	)	PUNCT
cjfa-63101	201	7	-0.70393	-0.70393	NOUN
cjfa-63101	201	8	0.03524	0.03524	NUM
cjfa-63101	201	9	-19.978	-19.978	PROPN
cjfa-63101	201	10	0	0	NUM
cjfa-63101	201	11	d(lnod(-1	d(lnod(-1	PROPN
cjfa-63101	201	12	)	)	PUNCT
cjfa-63101	201	13	)	)	PUNCT
cjfa-63101	202	1	-4.78586	-4.78586	PROPN
cjfa-63101	202	2	0.17022	0.17022	NUM
cjfa-63101	202	3	-28.115	-28.115	PROPN
cjfa-63101	202	4	0	0	NUM
cjfa-63101	203	1	d(lnod(-2	d(lnod(-2	PROPN
cjfa-63101	203	2	)	)	PUNCT
cjfa-63101	203	3	)	)	PUNCT
cjfa-63101	204	1	-4.84162	-4.84162	NOUN
cjfa-63101	205	1	0.17258	0.17258	NUM
cjfa-63101	205	2	-28.055	-28.055	X
cjfa-63101	205	3	0	0	NUM
cjfa-63101	206	1	d(lnod(-3	d(lnod(-3	NOUN
cjfa-63101	206	2	)	)	PUNCT
cjfa-63101	206	3	)	)	PUNCT
cjfa-63101	206	4	-4.89825	-4.89825	VERB
cjfa-63101	206	5	0.17574	0.17574	NUM
cjfa-63101	206	6	-27.872	-27.872	X
cjfa-63101	206	7	0	0	NUM
cjfa-63101	206	8	d(lnod(-4	d(lnod(-4	PROPN
cjfa-63101	206	9	)	)	PUNCT
cjfa-63101	206	10	)	)	PUNCT
cjfa-63101	207	1	-2.45459	-2.45459	NOUN
cjfa-63101	207	2	0.09623	0.09623	NUM
cjfa-63101	207	3	-25.507	-25.507	NOUN
cjfa-63101	207	4	0	0	NUM
cjfa-63101	207	5	d(lnod(-5	d(lnod(-5	NOUN
cjfa-63101	207	6	)	)	PUNCT
cjfa-63101	207	7	)	)	PUNCT
cjfa-63101	207	8	-2.47608	-2.47608	NOUN
cjfa-63101	207	9	0.0876	0.0876	NUM
cjfa-63101	207	10	-28.266	-28.266	NOUN
cjfa-63101	207	11	0	0	NUM
cjfa-63101	207	12	d(lnod(-6	d(lnod(-6	NOUN
cjfa-63101	207	13	)	)	PUNCT
cjfa-63101	207	14	)	)	PUNCT
cjfa-63101	207	15	-2.50395	-2.50395	VERB
cjfa-63101	208	1	0.09111	0.09111	NUM
cjfa-63101	208	2	-27.482	-27.482	PROPN
cjfa-63101	208	3	0	0	NUM
cjfa-63101	208	4	d(lnod(-7	d(lnod(-7	PROPN
cjfa-63101	208	5	)	)	PUNCT
cjfa-63101	208	6	)	)	PUNCT
cjfa-63101	208	7	-2.55957	-2.55957	VERB
cjfa-63101	208	8	0.09445	0.09445	NUM
cjfa-63101	208	9	-27.1	-27.1	NOUN
cjfa-63101	208	10	0	0	NUM
cjfa-63101	209	1	d(lninfd	d(lninfd	NOUN
cjfa-63101	209	2	)	)	PUNCT
cjfa-63101	209	3	-0.51316	-0.51316	NOUN
cjfa-63101	210	1	0.01838	0.01838	NUM
cjfa-63101	210	2	-27.922	-27.922	SYM
cjfa-63101	210	3	0	0	NUM
cjfa-63101	210	4	d(lninfd(-1	d(lninfd(-1	ADJ
cjfa-63101	210	5	)	)	PUNCT
cjfa-63101	210	6	)	)	PUNCT
cjfa-63101	211	1	0.429901	0.429901	NUM
cjfa-63101	211	2	0.01557	0.01557	NUM
cjfa-63101	211	3	27.6091	27.6091	NUM
cjfa-63101	211	4	0	0	NUM
cjfa-63101	211	5	d(lninfd(-2	d(lninfd(-2	NOUN
cjfa-63101	211	6	)	)	PUNCT
cjfa-63101	211	7	)	)	PUNCT
cjfa-63101	212	1	0.419701	0.419701	NUM
cjfa-63101	212	2	0.01538	0.01538	NUM
cjfa-63101	212	3	27.2961	27.2961	NUM
cjfa-63101	212	4	0	0	NUM
cjfa-63101	212	5	d(lninfd(-3	d(lninfd(-3	PROPN
cjfa-63101	212	6	)	)	PUNCT
cjfa-63101	212	7	)	)	PUNCT
cjfa-63101	212	8	0.413438	0.413438	NUM
cjfa-63101	212	9	0.01532	0.01532	NUM
cjfa-63101	212	10	26.9873	26.9873	NUM
cjfa-63101	212	11	0	0	NUM
cjfa-63101	212	12	d(lninfd(-4	d(lninfd(-4	PROPN
cjfa-63101	212	13	)	)	PUNCT
cjfa-63101	212	14	)	)	PUNCT
cjfa-63101	212	15	0.017625	0.017625	NUM
cjfa-63101	212	16	0.00743	0.00743	NUM
cjfa-63101	212	17	2.37379	2.37379	NUM
cjfa-63101	212	18	0.0325	0.0325	NUM
cjfa-63101	212	19	d(lninfd(-5	d(lninfd(-5	NOUN
cjfa-63101	212	20	)	)	PUNCT
cjfa-63101	212	21	)	)	PUNCT
cjfa-63101	213	1	0.003447	0.003447	NUM
cjfa-63101	213	2	0.00754	0.00754	NUM
cjfa-63101	213	3	0.45702	0.45702	NUM
cjfa-63101	213	4	0.6547	0.6547	NUM
cjfa-63101	213	5	table	table	NOUN
cjfa-63101	213	6	8	8	NUM
cjfa-63101	213	7	.	.	PUNCT
cjfa-63101	214	1	error	error	NOUN
cjfa-63101	214	2	…	…	SYM
cjfa-63101	214	3	financial	financial	ADJ
cjfa-63101	214	4	inclusion	inclusion	NOUN
cjfa-63101	214	5	towards	towards	ADP
cjfa-63101	214	6	financial	financial	ADJ
cjfa-63101	214	7	stability	stability	NOUN
cjfa-63101	214	8	in	in	ADP
cjfa-63101	214	9	ghana	ghana	PROPN
cjfa-63101	214	10	…	…	PUNCT
cjfa-63101	214	11	6161	6161	NUM
cjfa-63101	214	12	dependent	dependent	ADJ
cjfa-63101	214	13	variable	variable	NOUN
cjfa-63101	214	14	:	:	PUNCT
cjfa-63101	214	15	d(lnzscore	d(lnzscore	NOUN
cjfa-63101	214	16	)	)	PUNCT
cjfa-63101	214	17	selected	select	VERB
cjfa-63101	214	18	model	model	NOUN
cjfa-63101	214	19	:	:	PUNCT
cjfa-63101	214	20	ardl(8	ardl(8	NOUN
cjfa-63101	214	21	,	,	PUNCT
cjfa-63101	214	22	8	8	NUM
cjfa-63101	214	23	,	,	PUNCT
cjfa-63101	214	24	8	8	NUM
cjfa-63101	214	25	,	,	PUNCT
cjfa-63101	214	26	8	8	NUM
cjfa-63101	214	27	,	,	PUNCT
cjfa-63101	214	28	8)	8)	NUM
cjfa-63101	214	29	ecm	ecm	NOUN
cjfa-63101	214	30	regression	regression	VERB
cjfa-63101	214	31	variable	variable	ADJ
cjfa-63101	214	32	coefficient	coefficient	NOUN
cjfa-63101	214	33	std	std	NOUN
cjfa-63101	214	34	.	.	NOUN
cjfa-63101	214	35	error	error	NOUN
cjfa-63101	214	36	t	t	NOUN
cjfa-63101	214	37	-	-	PUNCT
cjfa-63101	214	38	statistic	statistic	NOUN
cjfa-63101	214	39	prob	prob	NOUN
cjfa-63101	214	40	.	.	PUNCT
cjfa-63101	215	1	d(lninfd(-6	d(lninfd(-6	PROPN
cjfa-63101	215	2	)	)	PUNCT
cjfa-63101	215	3	)	)	PUNCT
cjfa-63101	216	1	-0.00394	-0.00394	NOUN
cjfa-63101	216	2	0.00734	0.00734	NUM
cjfa-63101	216	3	-0.5364	-0.5364	NOUN
cjfa-63101	216	4	0.6001	0.6001	NUM
cjfa-63101	216	5	d(lninfd(-7	d(lninfd(-7	PROPN
cjfa-63101	216	6	)	)	PUNCT
cjfa-63101	216	7	)	)	PUNCT
cjfa-63101	216	8	-0.01116	-0.01116	PUNCT
cjfa-63101	217	1	0.0065	0.0065	NUM
cjfa-63101	217	2	-1.7181	-1.7181	NOUN
cjfa-63101	217	3	0.1078	0.1078	NUM
cjfa-63101	217	4	d(lndr	d(lndr	NOUN
cjfa-63101	217	5	)	)	PUNCT
cjfa-63101	217	6	1.611059	1.611059	NUM
cjfa-63101	217	7	0.06726	0.06726	NUM
cjfa-63101	217	8	23.9534	23.9534	NUM
cjfa-63101	217	9	0	0	NUM
cjfa-63101	217	10	d(lndr(-1	d(lndr(-1	PROPN
cjfa-63101	217	11	)	)	PUNCT
cjfa-63101	217	12	)	)	PUNCT
cjfa-63101	217	13	-1.27612	-1.27612	NOUN
cjfa-63101	218	1	0.05346	0.05346	NUM
cjfa-63101	218	2	-23.87	-23.87	PROPN
cjfa-63101	218	3	0	0	NUM
cjfa-63101	218	4	d(lndr(-2	d(lndr(-2	PROPN
cjfa-63101	218	5	)	)	PUNCT
cjfa-63101	218	6	)	)	PUNCT
cjfa-63101	218	7	-1.26206	-1.26206	VERB
cjfa-63101	218	8	0.05179	0.05179	NUM
cjfa-63101	218	9	-24.37	-24.37	SYM
cjfa-63101	218	10	0	0	NUM
cjfa-63101	218	11	d(lndr(-3	d(lndr(-3	NOUN
cjfa-63101	218	12	)	)	PUNCT
cjfa-63101	218	13	)	)	PUNCT
cjfa-63101	218	14	-1.25022	-1.25022	NOUN
cjfa-63101	219	1	0.05136	0.05136	NUM
cjfa-63101	219	2	-24.34	-24.34	PROPN
cjfa-63101	219	3	0	0	NUM
cjfa-63101	219	4	d(lndr(-4	d(lndr(-4	PROPN
cjfa-63101	219	5	)	)	PUNCT
cjfa-63101	219	6	)	)	PUNCT
cjfa-63101	220	1	-0.22192	-0.22192	PUNCT
cjfa-63101	221	1	0.0169	0.0169	NUM
cjfa-63101	221	2	-13.13	-13.13	SYM
cjfa-63101	221	3	0	0	NUM
cjfa-63101	221	4	d(lndr(-5	d(lndr(-5	PROPN
cjfa-63101	221	5	)	)	PUNCT
cjfa-63101	221	6	)	)	PUNCT
cjfa-63101	221	7	-0.19538	-0.19538	NOUN
cjfa-63101	222	1	0.01455	0.01455	NUM
cjfa-63101	222	2	-13.432	-13.432	PROPN
cjfa-63101	222	3	0	0	NUM
cjfa-63101	222	4	d(lndr(-6	d(lndr(-6	PROPN
cjfa-63101	222	5	)	)	PUNCT
cjfa-63101	222	6	)	)	PUNCT
cjfa-63101	222	7	-0.18437	-0.18437	VERB
cjfa-63101	222	8	0.01494	0.01494	NUM
cjfa-63101	222	9	-12.34	-12.34	NOUN
cjfa-63101	222	10	0	0	NUM
cjfa-63101	222	11	d(lndr(-7	d(lndr(-7	NOUN
cjfa-63101	222	12	)	)	PUNCT
cjfa-63101	222	13	)	)	PUNCT
cjfa-63101	222	14	-0.18986	-0.18986	PROPN
cjfa-63101	223	1	0.014	0.014	NUM
cjfa-63101	223	2	-13.562	-13.562	SYM
cjfa-63101	223	3	0	0	NUM
cjfa-63101	223	4	cointeq(-1	cointeq(-1	NOUN
cjfa-63101	223	5	)	)	PUNCT
cjfa-63101	223	6	*	*	PUNCT
cjfa-63101	224	1	2.843136	2.843136	NUM
cjfa-63101	224	2	0.09944	0.09944	NUM
cjfa-63101	224	3	28.5922	28.5922	NUM
cjfa-63101	224	4	0	0	SYM
cjfa-63101	224	5	r	r	X
cjfa-63101	224	6	-	-	PUNCT
cjfa-63101	224	7	squared	square	VERB
cjfa-63101	224	8	0.998072	0.998072	NUM
cjfa-63101	224	9	mean	mean	NOUN
cjfa-63101	224	10	dependent	dependent	ADJ
cjfa-63101	224	11	var	var	NOUN
cjfa-63101	224	12	.	.	PUNCT
cjfa-63101	225	1	0.00162	0.00162	NUM
cjfa-63101	225	2	adjusted	adjust	VERB
cjfa-63101	225	3	r	r	NOUN
cjfa-63101	225	4	-	-	PUNCT
cjfa-63101	225	5	squared	square	VERB
cjfa-63101	225	6	0.993681	0.993681	NUM
cjfa-63101	225	7	s.d	s.d	PROPN
cjfa-63101	225	8	.	.	PUNCT
cjfa-63101	225	9	dependent	dependent	ADJ
cjfa-63101	225	10	var	var	NOUN
cjfa-63101	225	11	.	.	PUNCT
cjfa-63101	226	1	0.02945	0.02945	NUM
cjfa-63101	226	2	s.e	s.e	PROPN
cjfa-63101	226	3	.	.	PROPN
cjfa-63101	226	4	of	of	ADP
cjfa-63101	226	5	regression	regression	NOUN
cjfa-63101	226	6	0.002341	0.002341	NUM
cjfa-63101	226	7	akaike	akaike	ADJ
cjfa-63101	226	8	info	info	NOUN
cjfa-63101	226	9	criterion	criterion	NOUN
cjfa-63101	226	10	.	.	PUNCT
cjfa-63101	227	1	-9.0805	-9.0805	PROPN
cjfa-63101	227	2	sum	sum	NOUN
cjfa-63101	227	3	squared	square	VERB
cjfa-63101	227	4	resid	resid	NOUN
cjfa-63101	227	5	9.86e-05	9.86e-05	NUM
cjfa-63101	227	6	schwarz	schwarz	NOUN
cjfa-63101	227	7	criterion	criterion	NOUN
cjfa-63101	227	8	.	.	PUNCT
cjfa-63101	228	1	-7.6145	-7.6145	PROPN
cjfa-63101	228	2	log	log	NOUN
cjfa-63101	228	3	likelihood	likelihood	NOUN
cjfa-63101	228	4	314.4147	314.4147	NUM
cjfa-63101	228	5	hannan	hannan	PROPN
cjfa-63101	228	6	-	-	PUNCT
cjfa-63101	228	7	quinn	quinn	PROPN
cjfa-63101	228	8	criter	criter	NOUN
cjfa-63101	228	9	.	.	PUNCT
cjfa-63101	229	1	-8.507	-8.507	VERB
cjfa-63101	230	1	f	f	NOUN
cjfa-63101	230	2	-	-	PUNCT
cjfa-63101	230	3	statistic	statistic	ADJ
cjfa-63101	230	4	227.2781	227.2781	NUM
cjfa-63101	230	5	durbin	durbin	ADJ
cjfa-63101	230	6	-	-	PUNCT
cjfa-63101	230	7	watson	watson	NOUN
cjfa-63101	230	8	stat	stat	NOUN
cjfa-63101	230	9	.	.	PUNCT
cjfa-63101	231	1	2.02629	2.02629	NUM
cjfa-63101	231	2	prob(f	prob(f	NOUN
cjfa-63101	231	3	-	-	PUNCT
cjfa-63101	231	4	statistic	statistic	NOUN
cjfa-63101	231	5	)	)	PUNCT
cjfa-63101	231	6	0	0	NUM
cjfa-63101	232	1	s	s	PART
cjfa-63101	232	2	o	o	NOUN
cjfa-63101	232	3	u	u	NOUN
cjfa-63101	232	4	r	r	NOUN
cjfa-63101	232	5	c	c	NOUN
cjfa-63101	232	6	e	e	NOUN
cjfa-63101	232	7	:	:	PUNCT
cjfa-63101	232	8	field	field	NOUN
cjfa-63101	232	9	survey	survey	NOUN
cjfa-63101	232	10	2022	2022	NUM
cjfa-63101	232	11	;	;	PUNCT
cjfa-63101	232	12	analyzed	analyze	VERB
cjfa-63101	232	13	with	with	ADP
cjfa-63101	232	14	eviews	eviews	PROPN
cjfa-63101	232	15	12	12	NUM
cjfa-63101	232	16	.	.	PUNCT
cjfa-63101	232	17	table	table	NOUN
cjfa-63101	232	18	8	8	NUM
cjfa-63101	232	19	illustrates	illustrate	VERB
cjfa-63101	232	20	the	the	DET
cjfa-63101	232	21	expected	expected	ADJ
cjfa-63101	232	22	negative	negative	ADJ
cjfa-63101	232	23	sign	sign	NOUN
cjfa-63101	232	24	of	of	ADP
cjfa-63101	232	25	the	the	DET
cjfa-63101	232	26	error	error	NOUN
cjfa-63101	232	27	-	-	PUNCT
cjfa-63101	232	28	correction	correction	NOUN
cjfa-63101	232	29	term	term	NOUN
cjfa-63101	232	30	lagged	lag	VERB
cjfa-63101	232	31	by	by	ADP
cjfa-63101	232	32	one	one	NUM
cjfa-63101	232	33	period	period	NOUN
cjfa-63101	232	34	(	(	PUNCT
cjfa-63101	232	35	ectt-1	ectt-1	PROPN
cjfa-63101	232	36	)	)	PUNCT
cjfa-63101	232	37	at	at	ADP
cjfa-63101	232	38	the	the	DET
cjfa-63101	232	39	1	1	NUM
cjfa-63101	232	40	%	%	NOUN
cjfa-63101	232	41	significance	significance	NOUN
cjfa-63101	232	42	level	level	NOUN
cjfa-63101	232	43	.	.	PUNCT
cjfa-63101	233	1	ect	ect	ADJ
cjfa-63101	233	2	,	,	PUNCT
cjfa-63101	233	3	with	with	ADP
cjfa-63101	233	4	a	a	DET
cjfa-63101	233	5	coefficient	coefficient	NOUN
cjfa-63101	233	6	of	of	ADP
cjfa-63101	233	7	2.843136	2.843136	NUM
cjfa-63101	233	8	,	,	PUNCT
cjfa-63101	233	9	indicates	indicate	VERB
cjfa-63101	233	10	the	the	DET
cjfa-63101	233	11	adjustment	adjustment	NOUN
cjfa-63101	233	12	rate	rate	NOUN
cjfa-63101	233	13	required	require	VERB
cjfa-63101	233	14	to	to	PART
cjfa-63101	233	15	restore	restore	VERB
cjfa-63101	233	16	stability	stability	NOUN
cjfa-63101	233	17	after	after	ADP
cjfa-63101	233	18	disruption	disruption	NOUN
cjfa-63101	233	19	.	.	PUNCT
cjfa-63101	234	1	this	this	DET
cjfa-63101	234	2	substantial	substantial	ADJ
cjfa-63101	234	3	ect	ect	NOUN
cjfa-63101	234	4	suggests	suggest	VERB
cjfa-63101	234	5	that	that	SCONJ
cjfa-63101	234	6	following	follow	VERB
cjfa-63101	234	7	a	a	DET
cjfa-63101	234	8	short	short	ADJ
cjfa-63101	234	9	-	-	PUNCT
cjfa-63101	234	10	run	run	NOUN
cjfa-63101	234	11	shock	shock	NOUN
cjfa-63101	234	12	,	,	PUNCT
cjfa-63101	234	13	approximately	approximately	ADV
cjfa-63101	234	14	2.84	2.84	NUM
cjfa-63101	234	15	%	%	NOUN
cjfa-63101	234	16	of	of	ADP
cjfa-63101	234	17	the	the	DET
cjfa-63101	234	18	deviation	deviation	NOUN
cjfa-63101	234	19	from	from	ADP
cjfa-63101	234	20	the	the	DET
cjfa-63101	234	21	long	long	ADV
cjfa-63101	234	22	-	-	PUNCT
cjfa-63101	234	23	run	run	NOUN
cjfa-63101	234	24	equilibrium	equilibrium	NOUN
cjfa-63101	234	25	is	be	AUX
cjfa-63101	234	26	corrected	correct	VERB
cjfa-63101	234	27	for	for	ADP
cjfa-63101	234	28	each	each	DET
cjfa-63101	234	29	quarter	quarter	NOUN
cjfa-63101	234	30	.	.	PUNCT
cjfa-63101	235	1	thus	thus	ADV
cjfa-63101	235	2	,	,	PUNCT
cjfa-63101	235	3	when	when	SCONJ
cjfa-63101	235	4	variables	variable	NOUN
cjfa-63101	235	5	are	be	AUX
cjfa-63101	235	6	shocked	shocked	ADJ
cjfa-63101	235	7	,	,	PUNCT
cjfa-63101	235	8	they	they	PRON
cjfa-63101	235	9	stabilize	stabilize	VERB
cjfa-63101	235	10	over	over	ADP
cjfa-63101	235	11	time	time	NOUN
cjfa-63101	235	12	,	,	PUNCT
cjfa-63101	235	13	with	with	ADP
cjfa-63101	235	14	higher	high	ADJ
cjfa-63101	235	15	absolute	absolute	ADJ
cjfa-63101	235	16	ect	ect	NOUN
cjfa-63101	235	17	,	,	PUNCT
cjfa-63101	235	18	reinforcing	reinforce	VERB
cjfa-63101	235	19	evidence	evidence	NOUN
cjfa-63101	235	20	for	for	ADP
cjfa-63101	235	21	long	long	ADJ
cjfa-63101	235	22	-	-	PUNCT
cjfa-63101	235	23	term	term	NOUN
cjfa-63101	235	24	relationships	relationship	NOUN
cjfa-63101	235	25	.	.	PUNCT
cjfa-63101	236	1	table	table	NOUN
cjfa-63101	236	2	8	8	NUM
cjfa-63101	236	3	.	.	PUNCT
cjfa-63101	236	4	error	error	NOUN
cjfa-63101	236	5	…	…	PUNCT
cjfa-63101	236	6	philomina	philomina	NOUN
cjfa-63101	236	7	maku	maku	PROPN
cjfa-63101	236	8	narh	narh	PROPN
cjfa-63101	236	9	,	,	PUNCT
cjfa-63101	236	10	collins	collins	PROPN
cjfa-63101	236	11	dodzi	dodzi	PROPN
cjfa-63101	236	12	dzitse6262	dzitse6262	PROPN
cjfa-63101	236	13	diagnostics	diagnostic	NOUN
cjfa-63101	236	14	of	of	ADP
cjfa-63101	236	15	ardldiagnostics	ardldiagnostic	NOUN
cjfa-63101	236	16	of	of	ADP
cjfa-63101	236	17	ardl	ardl	NOUN
cjfa-63101	236	18	the	the	DET
cjfa-63101	236	19	functional	functional	ADJ
cjfa-63101	236	20	form	form	NOUN
cjfa-63101	236	21	specification	specification	NOUN
cjfa-63101	236	22	(	(	PUNCT
cjfa-63101	236	23	ramsey	ramsey	NOUN
cjfa-63101	236	24	reset	reset	NOUN
cjfa-63101	236	25	test	test	NOUN
cjfa-63101	236	26	)	)	PUNCT
cjfa-63101	236	27	,	,	PUNCT
cjfa-63101	236	28	heteroskedasticity	heteroskedasticity	NOUN
cjfa-63101	236	29	,	,	PUNCT
cjfa-63101	236	30	model	model	NOUN
cjfa-63101	236	31	stability	stability	NOUN
cjfa-63101	236	32	,	,	PUNCT
cjfa-63101	236	33	and	and	CCONJ
cjfa-63101	236	34	serial	serial	ADJ
cjfa-63101	236	35	correlation	correlation	NOUN
cjfa-63101	236	36	lm	lm	NOUN
cjfa-63101	236	37	tests	test	NOUN
cjfa-63101	236	38	are	be	AUX
cjfa-63101	236	39	among	among	ADP
cjfa-63101	236	40	these	these	DET
cjfa-63101	236	41	diagnostic	diagnostic	ADJ
cjfa-63101	236	42	tests	test	NOUN
cjfa-63101	236	43	.	.	PUNCT
cjfa-63101	237	1	the	the	DET
cjfa-63101	237	2	p	p	NOUN
cjfa-63101	237	3	-	-	PUNCT
cjfa-63101	237	4	values	value	NOUN
cjfa-63101	237	5	(	(	PUNCT
cjfa-63101	237	6	0.112	0.112	NUM
cjfa-63101	237	7	)	)	PUNCT
cjfa-63101	237	8	and	and	CCONJ
cjfa-63101	237	9	f	f	X
cjfa-63101	237	10	-	-	PUNCT
cjfa-63101	237	11	statistic	statistic	ADJ
cjfa-63101	237	12	(	(	PUNCT
cjfa-63101	237	13	0.0718	0.0718	NUM
cjfa-63101	237	14	)	)	PUNCT
cjfa-63101	237	15	of	of	ADP
cjfa-63101	237	16	the	the	DET
cjfa-63101	237	17	bglm	bglm	ADJ
cjfa-63101	237	18	test	test	NOUN
cjfa-63101	237	19	were	be	AUX
cjfa-63101	237	20	greater	great	ADJ
cjfa-63101	237	21	than	than	ADP
cjfa-63101	237	22	0.05	0.05	NUM
cjfa-63101	237	23	,	,	PUNCT
cjfa-63101	237	24	respectively	respectively	ADV
cjfa-63101	237	25	(	(	PUNCT
cjfa-63101	237	26	appendix	appendix	VERB
cjfa-63101	237	27	a	a	PRON
cjfa-63101	237	28	)	)	PUNCT
cjfa-63101	237	29	.	.	PUNCT
cjfa-63101	238	1	consequently	consequently	ADV
cjfa-63101	238	2	,	,	PUNCT
cjfa-63101	238	3	the	the	DET
cjfa-63101	238	4	study	study	NOUN
cjfa-63101	238	5	concludes	conclude	VERB
cjfa-63101	238	6	that	that	SCONJ
cjfa-63101	238	7	the	the	DET
cjfa-63101	238	8	model	model	NOUN
cjfa-63101	238	9	has	have	VERB
cjfa-63101	238	10	no	no	DET
cjfa-63101	238	11	serial	serial	ADJ
cjfa-63101	238	12	correlation	correlation	NOUN
cjfa-63101	238	13	,	,	PUNCT
cjfa-63101	238	14	and	and	CCONJ
cjfa-63101	238	15	thereby	thereby	ADV
cjfa-63101	238	16	accepts	accept	VERB
cjfa-63101	238	17	the	the	DET
cjfa-63101	238	18	null	null	ADJ
cjfa-63101	238	19	hypothesis	hypothesis	NOUN
cjfa-63101	238	20	that	that	SCONJ
cjfa-63101	238	21	there	there	PRON
cjfa-63101	238	22	is	be	VERB
cjfa-63101	238	23	no	no	DET
cjfa-63101	238	24	serial	serial	ADJ
cjfa-63101	238	25	correlation	correlation	NOUN
cjfa-63101	238	26	.	.	PUNCT
cjfa-63101	239	1	this	this	PRON
cjfa-63101	239	2	ensured	ensure	VERB
cjfa-63101	239	3	the	the	DET
cjfa-63101	239	4	dependability	dependability	NOUN
cjfa-63101	239	5	of	of	ADP
cjfa-63101	239	6	the	the	DET
cjfa-63101	239	7	model	model	NOUN
cjfa-63101	239	8	.	.	PUNCT
cjfa-63101	240	1	furthermore	furthermore	ADV
cjfa-63101	240	2	,	,	PUNCT
cjfa-63101	240	3	the	the	DET
cjfa-63101	240	4	p	p	NOUN
cjfa-63101	240	5	-	-	PUNCT
cjfa-63101	240	6	value	value	NOUN
cjfa-63101	240	7	of	of	ADP
cjfa-63101	240	8	the	the	DET
cjfa-63101	240	9	heteroskedasticity	heteroskedasticity	NOUN
cjfa-63101	240	10	test	test	NOUN
cjfa-63101	240	11	in	in	ADP
cjfa-63101	240	12	appendix	appendix	NOUN
cjfa-63101	240	13	a	a	PRON
cjfa-63101	240	14	was	be	AUX
cjfa-63101	240	15	0.8624	0.8624	NUM
cjfa-63101	240	16	,	,	PUNCT
cjfa-63101	240	17	exceeding	exceed	VERB
cjfa-63101	240	18	0.05	0.05	NUM
cjfa-63101	240	19	,	,	PUNCT
cjfa-63101	240	20	thus	thus	ADV
cjfa-63101	240	21	accepting	accept	VERB
cjfa-63101	240	22	the	the	DET
cjfa-63101	240	23	null	null	ADJ
cjfa-63101	240	24	hypothesis	hypothesis	NOUN
cjfa-63101	240	25	of	of	ADP
cjfa-63101	240	26	no	no	DET
cjfa-63101	240	27	heteroskedasticity	heteroskedasticity	NOUN
cjfa-63101	240	28	and	and	CCONJ
cjfa-63101	240	29	indicating	indicate	VERB
cjfa-63101	240	30	the	the	DET
cjfa-63101	240	31	model	model	NOUN
cjfa-63101	240	32	’s	’s	PART
cjfa-63101	240	33	reliability	reliability	NOUN
cjfa-63101	240	34	.	.	PUNCT
cjfa-63101	241	1	the	the	DET
cjfa-63101	241	2	cusum	cusum	PROPN
cjfa-63101	241	3	plot	plot	NOUN
cjfa-63101	241	4	in	in	ADP
cjfa-63101	241	5	appendix	appendix	PROPN
cjfa-63101	241	6	b	b	PROPN
cjfa-63101	241	7	shows	show	VERB
cjfa-63101	241	8	the	the	DET
cjfa-63101	241	9	cusum	cusum	ADJ
cjfa-63101	241	10	line	line	NOUN
cjfa-63101	241	11	within	within	ADP
cjfa-63101	241	12	the	the	DET
cjfa-63101	241	13	5	5	NUM
cjfa-63101	241	14	%	%	NOUN
cjfa-63101	241	15	bound	bind	VERB
cjfa-63101	241	16	for	for	ADP
cjfa-63101	241	17	ardl	ardl	NOUN
cjfa-63101	241	18	,	,	PUNCT
cjfa-63101	241	19	thus	thus	ADV
cjfa-63101	241	20	confirming	confirm	VERB
cjfa-63101	241	21	the	the	DET
cjfa-63101	241	22	long	long	ADJ
cjfa-63101	241	23	-	-	PUNCT
cjfa-63101	241	24	term	term	NOUN
cjfa-63101	241	25	connection	connection	NOUN
cjfa-63101	241	26	between	between	ADP
cjfa-63101	241	27	financial	financial	ADJ
cjfa-63101	241	28	stability	stability	NOUN
cjfa-63101	241	29	and	and	CCONJ
cjfa-63101	241	30	inclusion	inclusion	NOUN
cjfa-63101	241	31	.	.	PUNCT
cjfa-63101	242	1	table	table	NOUN
cjfa-63101	242	2	9	9	NUM
cjfa-63101	242	3	.	.	PUNCT
cjfa-63101	242	4	quantile	quantile	ADJ
cjfa-63101	242	5	process	process	NOUN
cjfa-63101	242	6	estimates	estimate	VERB
cjfa-63101	242	7	quantile	quantile	ADJ
cjfa-63101	242	8	process	process	NOUN
cjfa-63101	242	9	estimates	estimate	VERB
cjfa-63101	242	10	specification	specification	NOUN
cjfa-63101	242	11	:	:	PUNCT
cjfa-63101	242	12	log(lnzscore	log(lnzscore	NOUN
cjfa-63101	243	1	)	)	PUNCT
cjfa-63101	243	2	lnol	lnol	NOUN
cjfa-63101	243	3	lnod	lnod	PROPN
cjfa-63101	243	4	lninfd	lninfd	PROPN
cjfa-63101	243	5	lndr	lndr	PROPN
cjfa-63101	243	6	c	c	PROPN
cjfa-63101	243	7	quantile	quantile	PROPN
cjfa-63101	243	8	coefficient	coefficient	NOUN
cjfa-63101	243	9	std	std	PROPN
cjfa-63101	243	10	.	.	NOUN
cjfa-63101	243	11	error	error	NOUN
cjfa-63101	243	12	t	t	NOUN
cjfa-63101	243	13	-	-	PUNCT
cjfa-63101	243	14	statistic	statistic	NOUN
cjfa-63101	243	15	prob	prob	NOUN
cjfa-63101	243	16	.	.	PUNCT
cjfa-63101	244	1	lnol	lnol	NOUN
cjfa-63101	244	2	0.1	0.1	NUM
cjfa-63101	244	3	-0.2939	-0.2939	NOUN
cjfa-63101	245	1	0.03284	0.03284	NUM
cjfa-63101	245	2	-8.9499	-8.9499	NOUN
cjfa-63101	245	3	0	0	NUM
cjfa-63101	246	1	0.2	0.2	NUM
cjfa-63101	246	2	-0.2556	-0.2556	NOUN
cjfa-63101	246	3	0.03203	0.03203	NUM
cjfa-63101	246	4	-7.9787	-7.9787	NOUN
cjfa-63101	246	5	0	0	NUM
cjfa-63101	246	6	0.3	0.3	NUM
cjfa-63101	246	7	-0.2411	-0.2411	NOUN
cjfa-63101	246	8	0.04106	0.04106	NUM
cjfa-63101	246	9	-5.8711	-5.8711	NOUN
cjfa-63101	246	10	0	0	NUM
cjfa-63101	246	11	0.4	0.4	NUM
cjfa-63101	246	12	-0.2438	-0.2438	NOUN
cjfa-63101	246	13	0.04644	0.04644	NUM
cjfa-63101	246	14	-5.2504	-5.2504	NOUN
cjfa-63101	246	15	0	0	NUM
cjfa-63101	246	16	0.5	0.5	NUM
cjfa-63101	246	17	-0.1769	-0.1769	NOUN
cjfa-63101	246	18	0.05439	0.05439	NUM
cjfa-63101	246	19	-3.2518	-3.2518	NOUN
cjfa-63101	246	20	0.0018	0.0018	NUM
cjfa-63101	246	21	0.6	0.6	NUM
cjfa-63101	246	22	-0.1185	-0.1185	VERB
cjfa-63101	246	23	0.03267	0.03267	NUM
cjfa-63101	246	24	-3.6286	-3.6286	ADJ
cjfa-63101	246	25	0.0006	0.0006	NUM
cjfa-63101	246	26	0.7	0.7	NUM
cjfa-63101	246	27	-0.1374	-0.1374	NOUN
cjfa-63101	246	28	0.0366	0.0366	NUM
cjfa-63101	246	29	-3.7549	-3.7549	NOUN
cjfa-63101	246	30	0.0004	0.0004	NUM
cjfa-63101	246	31	0.8	0.8	NUM
cjfa-63101	246	32	-0.1423	-0.1423	NOUN
cjfa-63101	246	33	0.0369	0.0369	NUM
cjfa-63101	246	34	-3.8559	-3.8559	NOUN
cjfa-63101	246	35	0.0003	0.0003	NUM
cjfa-63101	246	36	0.9	0.9	NUM
cjfa-63101	246	37	-0.1393	-0.1393	NOUN
cjfa-63101	246	38	0.03119	0.03119	NUM
cjfa-63101	246	39	-4.4667	-4.4667	NOUN
cjfa-63101	246	40	0	0	PUNCT
cjfa-63101	246	41	lnod	lnod	PROPN
cjfa-63101	246	42	0.1	0.1	NUM
cjfa-63101	246	43	-0.0112	-0.0112	NOUN
cjfa-63101	246	44	0.0884	0.0884	NUM
cjfa-63101	246	45	-0.1264	-0.1264	NOUN
cjfa-63101	246	46	0.8998	0.8998	NUM
cjfa-63101	246	47	0.2	0.2	NUM
cjfa-63101	246	48	0.03203	0.03203	NUM
cjfa-63101	246	49	0.06761	0.06761	NUM
cjfa-63101	246	50	0.47381	0.47381	NUM
cjfa-63101	246	51	0.6373	0.6373	NUM
cjfa-63101	246	52	0.3	0.3	NUM
cjfa-63101	246	53	0.05098	0.05098	NUM
cjfa-63101	246	54	0.07509	0.07509	NUM
cjfa-63101	246	55	0.67899	0.67899	NUM
cjfa-63101	246	56	0.4996	0.4996	NUM
cjfa-63101	246	57	0.4	0.4	NUM
cjfa-63101	246	58	0.03495	0.03495	NUM
cjfa-63101	246	59	0.0806	0.0806	NUM
cjfa-63101	246	60	0.43369	0.43369	NUM
cjfa-63101	246	61	0.666	0.666	NUM
cjfa-63101	246	62	0.5	0.5	NUM
cjfa-63101	246	63	0.08518	0.08518	NUM
cjfa-63101	246	64	0.06493	0.06493	NUM
cjfa-63101	246	65	1.312	1.312	NUM
cjfa-63101	246	66	0.1943	0.1943	NUM
cjfa-63101	246	67	financial	financial	ADJ
cjfa-63101	246	68	inclusion	inclusion	NOUN
cjfa-63101	246	69	towards	towards	ADP
cjfa-63101	246	70	financial	financial	ADJ
cjfa-63101	246	71	stability	stability	NOUN
cjfa-63101	246	72	in	in	ADP
cjfa-63101	246	73	ghana	ghana	PROPN
cjfa-63101	246	74	…	…	PUNCT
cjfa-63101	246	75	6363	6363	NUM
cjfa-63101	246	76	quantile	quantile	ADJ
cjfa-63101	246	77	process	process	NOUN
cjfa-63101	246	78	estimates	estimate	VERB
cjfa-63101	246	79	specification	specification	NOUN
cjfa-63101	246	80	:	:	PUNCT
cjfa-63101	246	81	log(lnzscore	log(lnzscore	NOUN
cjfa-63101	246	82	)	)	PUNCT
cjfa-63101	246	83	lnol	lnol	NOUN
cjfa-63101	246	84	lnod	lnod	PROPN
cjfa-63101	246	85	lninfd	lninfd	PROPN
cjfa-63101	246	86	lndr	lndr	PROPN
cjfa-63101	246	87	c	c	PROPN
cjfa-63101	246	88	quantile	quantile	PROPN
cjfa-63101	246	89	coefficient	coefficient	NOUN
cjfa-63101	246	90	std	std	PROPN
cjfa-63101	246	91	.	.	NOUN
cjfa-63101	246	92	error	error	NOUN
cjfa-63101	246	93	t	t	NOUN
cjfa-63101	246	94	-	-	PUNCT
cjfa-63101	246	95	statistic	statistic	NOUN
cjfa-63101	246	96	prob	prob	NOUN
cjfa-63101	246	97	.	.	PUNCT
cjfa-63101	247	1	0.6	0.6	NUM
cjfa-63101	247	2	0.12181	0.12181	NUM
cjfa-63101	247	3	0.04846	0.04846	NUM
cjfa-63101	247	4	2.51364	2.51364	NUM
cjfa-63101	247	5	0.0145	0.0145	NUM
cjfa-63101	247	6	0.7	0.7	NUM
cjfa-63101	247	7	0.13323	0.13323	NUM
cjfa-63101	247	8	0.05511	0.05511	NUM
cjfa-63101	247	9	2.41736	2.41736	NUM
cjfa-63101	247	10	0.0185	0.0185	NUM
cjfa-63101	247	11	0.8	0.8	NUM
cjfa-63101	247	12	0.16134	0.16134	NUM
cjfa-63101	247	13	0.05179	0.05179	NUM
cjfa-63101	247	14	3.11506	3.11506	NUM
cjfa-63101	247	15	0.0028	0.0028	NUM
cjfa-63101	247	16	0.9	0.9	NUM
cjfa-63101	247	17	0.18235	0.18235	NUM
cjfa-63101	247	18	0.04492	0.04492	NUM
cjfa-63101	247	19	4.05972	4.05972	NUM
cjfa-63101	247	20	0.0001	0.0001	NUM
cjfa-63101	247	21	lninfd	lninfd	NOUN
cjfa-63101	248	1	0.1	0.1	NUM
cjfa-63101	248	2	0.00886	0.00886	NUM
cjfa-63101	248	3	0.0187	0.0187	NUM
cjfa-63101	248	4	0.47396	0.47396	NUM
cjfa-63101	248	5	0.6372	0.6372	NUM
cjfa-63101	248	6	0.2	0.2	NUM
cjfa-63101	248	7	0.00581	0.00581	NUM
cjfa-63101	248	8	0.0121	0.0121	NUM
cjfa-63101	248	9	0.48046	0.48046	NUM
cjfa-63101	248	10	0.6326	0.6326	NUM
cjfa-63101	248	11	0.3	0.3	NUM
cjfa-63101	248	12	0.00964	0.00964	NUM
cjfa-63101	248	13	0.01276	0.01276	NUM
cjfa-63101	248	14	0.75556	0.75556	NUM
cjfa-63101	248	15	0.4527	0.4527	NUM
cjfa-63101	248	16	0.4	0.4	NUM
cjfa-63101	248	17	0.00488	0.00488	NUM
cjfa-63101	248	18	0.0134	0.0134	NUM
cjfa-63101	248	19	0.3639	0.3639	NUM
cjfa-63101	248	20	0.7172	0.7172	NUM
cjfa-63101	248	21	0.5	0.5	NUM
cjfa-63101	248	22	0.01873	0.01873	NUM
cjfa-63101	248	23	0.01153	0.01153	NUM
cjfa-63101	248	24	1.62439	1.62439	NUM
cjfa-63101	248	25	0.1093	0.1093	NUM
cjfa-63101	248	26	0.6	0.6	NUM
cjfa-63101	248	27	0.02271	0.02271	NUM
cjfa-63101	248	28	0.0099	0.0099	NUM
cjfa-63101	248	29	2.29321	2.29321	NUM
cjfa-63101	248	30	0.0252	0.0252	NUM
cjfa-63101	248	31	0.7	0.7	NUM
cjfa-63101	248	32	0.01966	0.01966	NUM
cjfa-63101	248	33	0.0094	0.0094	NUM
cjfa-63101	248	34	2.09139	2.09139	NUM
cjfa-63101	248	35	0.0405	0.0405	NUM
cjfa-63101	248	36	0.8	0.8	NUM
cjfa-63101	248	37	0.02828	0.02828	NUM
cjfa-63101	248	38	0.00778	0.00778	NUM
cjfa-63101	248	39	3.63354	3.63354	NUM
cjfa-63101	248	40	0.0006	0.0006	NUM
cjfa-63101	248	41	0.9	0.9	NUM
cjfa-63101	248	42	0.03157	0.03157	NUM
cjfa-63101	248	43	0.00661	0.00661	NUM
cjfa-63101	248	44	4.77709	4.77709	NUM
cjfa-63101	248	45	0	0	NUM
cjfa-63101	248	46	lndr	lndr	PROPN
cjfa-63101	248	47	0.1	0.1	NUM
cjfa-63101	248	48	0.05821	0.05821	NUM
cjfa-63101	248	49	0.0416	0.0416	NUM
cjfa-63101	248	50	1.39931	1.39931	NUM
cjfa-63101	248	51	0.1666	0.1666	NUM
cjfa-63101	248	52	0.2	0.2	NUM
cjfa-63101	248	53	0.014	0.014	NUM
cjfa-63101	248	54	0.02661	0.02661	NUM
cjfa-63101	248	55	0.5262	0.5262	NUM
cjfa-63101	248	56	0.6006	0.6006	NUM
cjfa-63101	248	57	0.3	0.3	NUM
cjfa-63101	248	58	0.01049	0.01049	NUM
cjfa-63101	248	59	0.03022	0.03022	NUM
cjfa-63101	248	60	0.34717	0.34717	NUM
cjfa-63101	248	61	0.7296	0.7296	NUM
cjfa-63101	248	62	0.4	0.4	NUM
cjfa-63101	248	63	0.0118	0.0118	NUM
cjfa-63101	248	64	0.03414	0.03414	NUM
cjfa-63101	248	65	0.34561	0.34561	NUM
cjfa-63101	248	66	0.7308	0.7308	NUM
cjfa-63101	248	67	0.5	0.5	NUM
cjfa-63101	248	68	0.05685	0.05685	NUM
cjfa-63101	248	69	0.04077	0.04077	NUM
cjfa-63101	248	70	1.39441	1.39441	NUM
cjfa-63101	248	71	0.1681	0.1681	NUM
cjfa-63101	248	72	0.6	0.6	NUM
cjfa-63101	248	73	0.08702	0.08702	NUM
cjfa-63101	248	74	0.03615	0.03615	NUM
cjfa-63101	248	75	2.40717	2.40717	NUM
cjfa-63101	248	76	0.019	0.019	NUM
cjfa-63101	248	77	0.7	0.7	NUM
cjfa-63101	248	78	0.08889	0.08889	NUM
cjfa-63101	248	79	0.03607	0.03607	NUM
cjfa-63101	248	80	2.46454	2.46454	NUM
cjfa-63101	248	81	0.0165	0.0165	NUM
cjfa-63101	248	82	0.8	0.8	NUM
cjfa-63101	248	83	0.0931	0.0931	NUM
cjfa-63101	248	84	0.03382	0.03382	NUM
cjfa-63101	248	85	2.75277	2.75277	NUM
cjfa-63101	248	86	0.0077	0.0077	NUM
cjfa-63101	248	87	0.9	0.9	NUM
cjfa-63101	248	88	0.0876	0.0876	NUM
cjfa-63101	248	89	0.03037	0.03037	NUM
cjfa-63101	248	90	2.88422	2.88422	NUM
cjfa-63101	248	91	0.0054	0.0054	NUM
cjfa-63101	248	92	c	c	NOUN
cjfa-63101	248	93	0.1	0.1	NUM
cjfa-63101	248	94	1.56165	1.56165	NUM
cjfa-63101	248	95	0.34808	0.34808	NUM
cjfa-63101	248	96	4.48649	4.48649	NUM
cjfa-63101	248	97	0	0	NUM
cjfa-63101	248	98	0.2	0.2	NUM
cjfa-63101	248	99	1.45126	1.45126	NUM
cjfa-63101	248	100	0.26742	0.26742	NUM
cjfa-63101	248	101	5.42692	5.42692	NUM
cjfa-63101	248	102	0	0	NUM
cjfa-63101	248	103	0.3	0.3	NUM
cjfa-63101	248	104	1.3569	1.3569	NUM
cjfa-63101	248	105	0.30472	0.30472	NUM
cjfa-63101	248	106	4.45289	4.45289	NUM
cjfa-63101	248	107	0	0	NUM
cjfa-63101	248	108	0.4	0.4	NUM
cjfa-63101	248	109	1.42826	1.42826	NUM
cjfa-63101	248	110	0.32547	0.32547	NUM
cjfa-63101	248	111	4.38831	4.38831	NUM
cjfa-63101	248	112	0	0	NUM
cjfa-63101	248	113	table	table	NOUN
cjfa-63101	248	114	9	9	NUM
cjfa-63101	248	115	.	.	X
cjfa-63101	248	116	quantile	quantile	PROPN
cjfa-63101	248	117	…	…	PUNCT
cjfa-63101	248	118	philomina	philomina	PROPN
cjfa-63101	248	119	maku	maku	PROPN
cjfa-63101	248	120	narh	narh	PROPN
cjfa-63101	248	121	,	,	PUNCT
cjfa-63101	248	122	collins	collins	PROPN
cjfa-63101	248	123	dodzi	dodzi	PROPN
cjfa-63101	248	124	dzitse6464	dzitse6464	PROPN
cjfa-63101	248	125	quantile	quantile	NOUN
cjfa-63101	248	126	process	process	NOUN
cjfa-63101	248	127	estimates	estimate	VERB
cjfa-63101	248	128	specification	specification	NOUN
cjfa-63101	248	129	:	:	PUNCT
cjfa-63101	248	130	log(lnzscore	log(lnzscore	NOUN
cjfa-63101	248	131	)	)	PUNCT
cjfa-63101	248	132	lnol	lnol	NOUN
cjfa-63101	248	133	lnod	lnod	PROPN
cjfa-63101	249	1	lninfd	lninfd	PROPN
cjfa-63101	249	2	lndr	lndr	PROPN
cjfa-63101	249	3	c	c	PROPN
cjfa-63101	249	4	quantile	quantile	PROPN
cjfa-63101	249	5	coefficient	coefficient	NOUN
cjfa-63101	249	6	std	std	PROPN
cjfa-63101	249	7	.	.	NOUN
cjfa-63101	249	8	error	error	NOUN
cjfa-63101	249	9	t	t	NOUN
cjfa-63101	249	10	-	-	PUNCT
cjfa-63101	249	11	statistic	statistic	NOUN
cjfa-63101	249	12	prob	prob	NOUN
cjfa-63101	249	13	.	.	PROPN
cjfa-63101	249	14	0.5	0.5	NUM
cjfa-63101	249	15	0.95829	0.95829	NUM
cjfa-63101	249	16	0.33509	0.33509	NUM
cjfa-63101	249	17	2.8598	2.8598	NUM
cjfa-63101	249	18	0.0057	0.0057	NUM
cjfa-63101	249	19	0.6	0.6	NUM
cjfa-63101	249	20	0.61539	0.61539	NUM
cjfa-63101	249	21	0.24752	0.24752	NUM
cjfa-63101	249	22	2.48622	2.48622	NUM
cjfa-63101	249	23	0.0156	0.0156	NUM
cjfa-63101	249	24	0.7	0.7	NUM
cjfa-63101	249	25	0.64106	0.64106	NUM
cjfa-63101	249	26	0.23802	0.23802	NUM
cjfa-63101	249	27	2.69327	2.69327	NUM
cjfa-63101	249	28	0.0091	0.0091	NUM
cjfa-63101	249	29	0.8	0.8	NUM
cjfa-63101	249	30	0.53784	0.53784	NUM
cjfa-63101	249	31	0.20521	0.20521	NUM
cjfa-63101	249	32	2.62089	2.62089	NUM
cjfa-63101	249	33	0.011	0.011	NUM
cjfa-63101	249	34	0.9	0.9	NUM
cjfa-63101	249	35	0.47233	0.47233	NUM
cjfa-63101	249	36	0.17618	0.17618	NUM
cjfa-63101	249	37	2.68098	2.68098	NUM
cjfa-63101	249	38	0.0094	0.0094	NUM
cjfa-63101	249	39	s	s	NOUN
cjfa-63101	249	40	o	o	X
cjfa-63101	249	41	u	u	NOUN
cjfa-63101	249	42	r	r	NOUN
cjfa-63101	249	43	c	c	NOUN
cjfa-63101	249	44	e	e	NOUN
cjfa-63101	249	45	:	:	PUNCT
cjfa-63101	249	46	field	field	NOUN
cjfa-63101	249	47	survey	survey	NOUN
cjfa-63101	249	48	2022	2022	NUM
cjfa-63101	249	49	;	;	PUNCT
cjfa-63101	249	50	analyzed	analyze	VERB
cjfa-63101	249	51	with	with	ADP
cjfa-63101	249	52	eviews	eviews	PROPN
cjfa-63101	249	53	12	12	NUM
cjfa-63101	249	54	.	.	PUNCT
cjfa-63101	250	1	the	the	DET
cjfa-63101	250	2	results	result	NOUN
cjfa-63101	250	3	of	of	ADP
cjfa-63101	250	4	the	the	DET
cjfa-63101	250	5	long	long	ADV
cjfa-63101	250	6	-	-	PUNCT
cjfa-63101	250	7	run	run	VERB
cjfa-63101	250	8	regression	regression	NOUN
cjfa-63101	250	9	analysis	analysis	NOUN
cjfa-63101	250	10	demonstrate	demonstrate	VERB
cjfa-63101	250	11	a	a	DET
cjfa-63101	250	12	significant	significant	ADJ
cjfa-63101	250	13	positive	positive	ADJ
cjfa-63101	250	14	impact	impact	NOUN
cjfa-63101	250	15	of	of	ADP
cjfa-63101	250	16	financial	financial	ADJ
cjfa-63101	250	17	inclusion	inclusion	NOUN
cjfa-63101	250	18	on	on	ADP
cjfa-63101	250	19	financial	financial	ADJ
cjfa-63101	250	20	stability	stability	NOUN
cjfa-63101	250	21	,	,	PUNCT
cjfa-63101	250	22	especially	especially	ADV
cjfa-63101	250	23	at	at	ADP
cjfa-63101	250	24	higher	high	ADJ
cjfa-63101	250	25	quantile	quantile	ADJ
cjfa-63101	250	26	levels	level	NOUN
cjfa-63101	250	27	.	.	PUNCT
cjfa-63101	251	1	for	for	ADP
cjfa-63101	251	2	instance	instance	NOUN
cjfa-63101	251	3	,	,	PUNCT
cjfa-63101	251	4	lnol	lnol	NOUN
cjfa-63101	251	5	showed	show	VERB
cjfa-63101	251	6	a	a	DET
cjfa-63101	251	7	significant	significant	ADJ
cjfa-63101	251	8	effect	effect	NOUN
cjfa-63101	251	9	from	from	ADP
cjfa-63101	251	10	quantile	quantile	NOUN
cjfa-63101	251	11	5	5	NUM
cjfa-63101	251	12	upward	upward	ADV
cjfa-63101	251	13	,	,	PUNCT
cjfa-63101	251	14	and	and	CCONJ
cjfa-63101	251	15	lnod	lnod	PROPN
cjfa-63101	251	16	,	,	PUNCT
cjfa-63101	251	17	lndr	lndr	PROPN
cjfa-63101	251	18	,	,	PUNCT
cjfa-63101	251	19	and	and	CCONJ
cjfa-63101	251	20	lninfd	lninfd	NOUN
cjfa-63101	251	21	all	all	PRON
cjfa-63101	251	22	showed	show	VERB
cjfa-63101	251	23	significant	significant	ADJ
cjfa-63101	251	24	effects	effect	NOUN
cjfa-63101	251	25	from	from	ADP
cjfa-63101	251	26	quantile	quantile	NOUN
cjfa-63101	251	27	6	6	NUM
cjfa-63101	251	28	upward	upward	ADV
cjfa-63101	251	29	.	.	PUNCT
cjfa-63101	252	1	this	this	PRON
cjfa-63101	252	2	indicates	indicate	VERB
cjfa-63101	252	3	that	that	SCONJ
cjfa-63101	252	4	financial	financial	ADJ
cjfa-63101	252	5	inclusion	inclusion	NOUN
cjfa-63101	252	6	has	have	VERB
cjfa-63101	252	7	a	a	DET
cjfa-63101	252	8	stronger	strong	ADJ
cjfa-63101	252	9	stabilizing	stabilizing	NOUN
cjfa-63101	252	10	effect	effect	NOUN
cjfa-63101	252	11	on	on	ADP
cjfa-63101	252	12	economic	economic	ADJ
cjfa-63101	252	13	actors	actor	NOUN
cjfa-63101	252	14	in	in	ADP
cjfa-63101	252	15	the	the	DET
cjfa-63101	252	16	upper	upper	ADJ
cjfa-63101	252	17	quantiles	quantile	NOUN
cjfa-63101	252	18	,	,	PUNCT
cjfa-63101	252	19	and	and	CCONJ
cjfa-63101	252	20	fosters	foster	VERB
cjfa-63101	252	21	stability	stability	NOUN
cjfa-63101	252	22	over	over	ADP
cjfa-63101	252	23	time	time	NOUN
cjfa-63101	252	24	.	.	PUNCT
cjfa-63101	253	1	this	this	PRON
cjfa-63101	253	2	suggests	suggest	VERB
cjfa-63101	253	3	that	that	SCONJ
cjfa-63101	253	4	the	the	DET
cjfa-63101	253	5	financial	financial	ADJ
cjfa-63101	253	6	inclusion	inclusion	NOUN
cjfa-63101	253	7	mechanism	mechanism	NOUN
cjfa-63101	253	8	becomes	become	VERB
cjfa-63101	253	9	influential	influential	ADJ
cjfa-63101	253	10	as	as	ADP
cjfa-63101	253	11	financial	financial	ADJ
cjfa-63101	253	12	engagement	engagement	NOUN
cjfa-63101	253	13	increases	increase	NOUN
cjfa-63101	253	14	among	among	ADP
cjfa-63101	253	15	the	the	DET
cjfa-63101	253	16	people	people	NOUN
cjfa-63101	253	17	.	.	PUNCT
cjfa-63101	254	1	thus	thus	ADV
cjfa-63101	254	2	,	,	PUNCT
cjfa-63101	254	3	the	the	DET
cjfa-63101	254	4	financial	financial	ADJ
cjfa-63101	254	5	sector	sector	NOUN
cjfa-63101	254	6	can	can	AUX
cjfa-63101	254	7	benefit	benefit	VERB
cjfa-63101	254	8	significantly	significantly	ADV
cjfa-63101	254	9	from	from	ADP
cjfa-63101	254	10	expanding	expand	VERB
cjfa-63101	254	11	accessibility	accessibility	NOUN
cjfa-63101	254	12	,	,	PUNCT
cjfa-63101	254	13	which	which	PRON
cjfa-63101	254	14	enhances	enhance	VERB
cjfa-63101	254	15	inclusion	inclusion	NOUN
cjfa-63101	254	16	at	at	ADP
cjfa-63101	254	17	all	all	DET
cjfa-63101	254	18	levels	level	NOUN
cjfa-63101	254	19	of	of	ADP
cjfa-63101	254	20	financial	financial	ADJ
cjfa-63101	254	21	engagement	engagement	NOUN
cjfa-63101	254	22	in	in	ADP
cjfa-63101	254	23	ghana	ghana	PROPN
cjfa-63101	254	24	.	.	PUNCT
cjfa-63101	255	1	these	these	DET
cjfa-63101	255	2	results	result	NOUN
cjfa-63101	255	3	correspond	correspond	VERB
cjfa-63101	255	4	with	with	ADP
cjfa-63101	255	5	findings	finding	NOUN
cjfa-63101	255	6	from	from	ADP
cjfa-63101	255	7	broader	broad	ADJ
cjfa-63101	255	8	sub	sub	ADJ
cjfa-63101	255	9	-	-	ADJ
cjfa-63101	255	10	saharan	saharan	ADJ
cjfa-63101	255	11	africa	africa	PROPN
cjfa-63101	255	12	,	,	PUNCT
cjfa-63101	255	13	where	where	SCONJ
cjfa-63101	255	14	financial	financial	ADJ
cjfa-63101	255	15	inclusion	inclusion	NOUN
cjfa-63101	255	16	tends	tend	VERB
cjfa-63101	255	17	to	to	PART
cjfa-63101	255	18	have	have	VERB
cjfa-63101	255	19	a	a	DET
cjfa-63101	255	20	more	more	ADV
cjfa-63101	255	21	pronounced	pronounce	VERB
cjfa-63101	255	22	impact	impact	NOUN
cjfa-63101	255	23	on	on	ADP
cjfa-63101	255	24	economic	economic	ADJ
cjfa-63101	255	25	stability	stability	NOUN
cjfa-63101	255	26	in	in	ADP
cjfa-63101	255	27	economies	economy	NOUN
cjfa-63101	255	28	with	with	ADP
cjfa-63101	255	29	higher	high	ADJ
cjfa-63101	255	30	financial	financial	ADJ
cjfa-63101	255	31	penetration	penetration	NOUN
cjfa-63101	255	32	(	(	PUNCT
cjfa-63101	255	33	djoufouet	djoufouet	NOUN
cjfa-63101	255	34	&	&	CCONJ
cjfa-63101	255	35	pondie	pondie	NOUN
cjfa-63101	255	36	,	,	PUNCT
cjfa-63101	255	37	2022	2022	NUM
cjfa-63101	255	38	)	)	PUNCT
cjfa-63101	255	39	.	.	PUNCT
cjfa-63101	256	1	for	for	ADP
cjfa-63101	256	2	instance	instance	NOUN
cjfa-63101	256	3	,	,	PUNCT
cjfa-63101	256	4	studies	study	NOUN
cjfa-63101	256	5	in	in	ADP
cjfa-63101	256	6	nigeria	nigeria	PROPN
cjfa-63101	256	7	show	show	VERB
cjfa-63101	256	8	that	that	SCONJ
cjfa-63101	256	9	financial	financial	ADJ
cjfa-63101	256	10	inclusion	inclusion	NOUN
cjfa-63101	256	11	significantly	significantly	ADV
cjfa-63101	256	12	enhances	enhance	VERB
cjfa-63101	256	13	financial	financial	ADJ
cjfa-63101	256	14	stability	stability	NOUN
cjfa-63101	256	15	,	,	PUNCT
cjfa-63101	256	16	particularly	particularly	ADV
cjfa-63101	256	17	through	through	ADP
cjfa-63101	256	18	mobile	mobile	ADJ
cjfa-63101	256	19	banking	banking	NOUN
cjfa-63101	256	20	and	and	CCONJ
cjfa-63101	256	21	fintech	fintech	NOUN
cjfa-63101	256	22	adoption	adoption	NOUN
cjfa-63101	256	23	,	,	PUNCT
cjfa-63101	256	24	which	which	PRON
cjfa-63101	256	25	offer	offer	VERB
cjfa-63101	256	26	more	more	ADJ
cjfa-63101	256	27	accessibility	accessibility	NOUN
cjfa-63101	256	28	and	and	CCONJ
cjfa-63101	256	29	inclusion	inclusion	NOUN
cjfa-63101	256	30	for	for	ADP
cjfa-63101	256	31	financial	financial	ADJ
cjfa-63101	256	32	engagement	engagement	NOUN
cjfa-63101	256	33	(	(	PUNCT
cjfa-63101	256	34	olusegun	olusegun	PROPN
cjfa-63101	256	35	et	et	PROPN
cjfa-63101	256	36	al	al	PROPN
cjfa-63101	256	37	.	.	PROPN
cjfa-63101	256	38	,	,	PUNCT
cjfa-63101	256	39	2021	2021	NUM
cjfa-63101	256	40	;	;	PUNCT
cjfa-63101	256	41	anthony	anthony	PROPN
cjfa-63101	256	42	-	-	PUNCT
cjfa-63101	256	43	orji	orji	PROPN
cjfa-63101	256	44	et	et	PROPN
cjfa-63101	256	45	al	al	PROPN
cjfa-63101	256	46	.	.	PROPN
cjfa-63101	256	47	,	,	PUNCT
cjfa-63101	256	48	2021	2021	NUM
cjfa-63101	256	49	)	)	PUNCT
cjfa-63101	256	50	.	.	PUNCT
cjfa-63101	257	1	this	this	PRON
cjfa-63101	257	2	strongly	strongly	ADV
cjfa-63101	257	3	mirrors	mirror	VERB
cjfa-63101	257	4	ghana	ghana	PROPN
cjfa-63101	257	5	’s	’s	PART
cjfa-63101	257	6	trend	trend	NOUN
cjfa-63101	257	7	toward	toward	ADP
cjfa-63101	257	8	stronger	strong	ADJ
cjfa-63101	257	9	effects	effect	NOUN
cjfa-63101	257	10	at	at	ADP
cjfa-63101	257	11	higher	high	ADJ
cjfa-63101	257	12	quantiles	quantile	NOUN
cjfa-63101	257	13	,	,	PUNCT
cjfa-63101	257	14	as	as	SCONJ
cjfa-63101	257	15	the	the	DET
cjfa-63101	257	16	results	result	NOUN
cjfa-63101	257	17	indicate	indicate	VERB
cjfa-63101	257	18	.	.	PUNCT
cjfa-63101	258	1	similarly	similarly	ADV
cjfa-63101	258	2	,	,	PUNCT
cjfa-63101	258	3	research	research	NOUN
cjfa-63101	258	4	across	across	ADP
cjfa-63101	258	5	west	west	PROPN
cjfa-63101	258	6	africa	africa	PROPN
cjfa-63101	258	7	suggests	suggest	VERB
cjfa-63101	258	8	that	that	SCONJ
cjfa-63101	258	9	financial	financial	ADJ
cjfa-63101	258	10	inclusion	inclusion	NOUN
cjfa-63101	258	11	fosters	foster	VERB
cjfa-63101	258	12	economic	economic	ADJ
cjfa-63101	258	13	resilience	resilience	NOUN
cjfa-63101	258	14	at	at	ADP
cjfa-63101	258	15	increasing	increase	VERB
cjfa-63101	258	16	quantile	quantile	ADJ
cjfa-63101	258	17	levels	level	NOUN
cjfa-63101	258	18	(	(	PUNCT
cjfa-63101	258	19	babatunde	babatunde	NOUN
cjfa-63101	258	20	,	,	PUNCT
cjfa-63101	258	21	2024	2024	NUM
cjfa-63101	258	22	;	;	PUNCT
cjfa-63101	258	23	camara	camara	PROPN
cjfa-63101	258	24	&	&	CCONJ
cjfa-63101	258	25	diallo	diallo	PROPN
cjfa-63101	258	26	,	,	PUNCT
cjfa-63101	258	27	2020	2020	NUM
cjfa-63101	258	28	)	)	PUNCT
cjfa-63101	258	29	,	,	PUNCT
cjfa-63101	258	30	however	however	ADV
cjfa-63101	258	31	,	,	PUNCT
cjfa-63101	258	32	country	country	NOUN
cjfa-63101	258	33	-	-	PUNCT
cjfa-63101	258	34	level	level	NOUN
cjfa-63101	258	35	disparities	disparity	NOUN
cjfa-63101	258	36	in	in	ADP
cjfa-63101	258	37	access	access	NOUN
cjfa-63101	258	38	,	,	PUNCT
cjfa-63101	258	39	especially	especially	ADV
cjfa-63101	258	40	in	in	ADP
cjfa-63101	258	41	rural	rural	ADJ
cjfa-63101	258	42	areas	area	NOUN
cjfa-63101	258	43	,	,	PUNCT
cjfa-63101	258	44	can	can	AUX
cjfa-63101	258	45	limit	limit	VERB
cjfa-63101	258	46	its	its	PRON
cjfa-63101	258	47	effectiveness	effectiveness	NOUN
cjfa-63101	258	48	.	.	PUNCT
cjfa-63101	259	1	notwithstanding	notwithstanding	ADP
cjfa-63101	259	2	,	,	PUNCT
cjfa-63101	259	3	since	since	SCONJ
cjfa-63101	259	4	most	most	ADJ
cjfa-63101	259	5	sub	sub	ADJ
cjfa-63101	259	6	-	-	ADJ
cjfa-63101	259	7	saharan	saharan	ADJ
cjfa-63101	259	8	african	african	ADJ
cjfa-63101	259	9	countries	country	NOUN
cjfa-63101	259	10	exhibit	exhibit	VERB
cjfa-63101	259	11	similar	similar	ADJ
cjfa-63101	259	12	economic	economic	ADJ
cjfa-63101	259	13	characteristics	characteristic	NOUN
cjfa-63101	259	14	(	(	PUNCT
cjfa-63101	259	15	world	world	PROPN
cjfa-63101	259	16	bank	bank	NOUN
cjfa-63101	259	17	,	,	PUNCT
cjfa-63101	259	18	2021	2021	NUM
cjfa-63101	259	19	)	)	PUNCT
cjfa-63101	259	20	,	,	PUNCT
cjfa-63101	259	21	the	the	DET
cjfa-63101	259	22	retable	retable	ADJ
cjfa-63101	259	23	9	9	NUM
cjfa-63101	259	24	.	.	X
cjfa-63101	259	25	quantile	quantile	PROPN
cjfa-63101	259	26	…	…	SYM
cjfa-63101	259	27	financial	financial	ADJ
cjfa-63101	259	28	inclusion	inclusion	NOUN
cjfa-63101	259	29	towards	towards	ADP
cjfa-63101	259	30	financial	financial	ADJ
cjfa-63101	259	31	stability	stability	NOUN
cjfa-63101	259	32	in	in	ADP
cjfa-63101	259	33	ghana	ghana	PROPN
cjfa-63101	259	34	…	…	NUM
cjfa-63101	259	35	6565	6565	NUM
cjfa-63101	259	36	sults	sult	NOUN
cjfa-63101	259	37	suggest	suggest	VERB
cjfa-63101	259	38	that	that	SCONJ
cjfa-63101	259	39	,	,	PUNCT
cjfa-63101	259	40	as	as	SCONJ
cjfa-63101	259	41	the	the	DET
cjfa-63101	259	42	financial	financial	ADJ
cjfa-63101	259	43	system	system	NOUN
cjfa-63101	259	44	in	in	ADP
cjfa-63101	259	45	ghana	ghana	PROPN
cjfa-63101	259	46	and	and	CCONJ
cjfa-63101	259	47	these	these	DET
cjfa-63101	259	48	countries	country	NOUN
cjfa-63101	259	49	becomes	become	VERB
cjfa-63101	259	50	more	more	ADV
cjfa-63101	259	51	inclusive	inclusive	ADJ
cjfa-63101	259	52	,	,	PUNCT
cjfa-63101	259	53	it	it	PRON
cjfa-63101	259	54	will	will	AUX
cjfa-63101	259	55	also	also	ADV
cjfa-63101	259	56	become	become	VERB
cjfa-63101	259	57	more	more	ADV
cjfa-63101	259	58	stable	stable	ADJ
cjfa-63101	259	59	,	,	PUNCT
cjfa-63101	259	60	particularly	particularly	ADV
cjfa-63101	259	61	at	at	ADP
cjfa-63101	259	62	higher	high	ADJ
cjfa-63101	259	63	quantiles	quantile	NOUN
cjfa-63101	259	64	.	.	PUNCT
cjfa-63101	260	1	comparatively	comparatively	ADV
cjfa-63101	260	2	,	,	PUNCT
cjfa-63101	260	3	international	international	ADJ
cjfa-63101	260	4	studies	study	NOUN
cjfa-63101	260	5	have	have	AUX
cjfa-63101	260	6	indicated	indicate	VERB
cjfa-63101	260	7	that	that	SCONJ
cjfa-63101	260	8	the	the	DET
cjfa-63101	260	9	impact	impact	NOUN
cjfa-63101	260	10	of	of	ADP
cjfa-63101	260	11	financial	financial	ADJ
cjfa-63101	260	12	inclusion	inclusion	NOUN
cjfa-63101	260	13	varies	vary	VERB
cjfa-63101	260	14	by	by	ADP
cjfa-63101	260	15	region	region	NOUN
cjfa-63101	260	16	.	.	PUNCT
cjfa-63101	261	1	in	in	ADP
cjfa-63101	261	2	developed	develop	VERB
cjfa-63101	261	3	economies	economy	NOUN
cjfa-63101	261	4	,	,	PUNCT
cjfa-63101	261	5	financial	financial	ADJ
cjfa-63101	261	6	inclusion	inclusion	NOUN
cjfa-63101	261	7	stabilizes	stabilize	VERB
cjfa-63101	261	8	markets	market	NOUN
cjfa-63101	261	9	through	through	ADP
cjfa-63101	261	10	diversified	diversified	ADJ
cjfa-63101	261	11	financial	financial	ADJ
cjfa-63101	261	12	instruments	instrument	NOUN
cjfa-63101	261	13	(	(	PUNCT
cjfa-63101	261	14	danisman	danisman	PROPN
cjfa-63101	261	15	&	&	CCONJ
cjfa-63101	261	16	tarazi	tarazi	NOUN
cjfa-63101	261	17	,	,	PUNCT
cjfa-63101	261	18	2020	2020	NUM
cjfa-63101	261	19	)	)	PUNCT
cjfa-63101	261	20	,	,	PUNCT
cjfa-63101	261	21	whereas	whereas	SCONJ
cjfa-63101	261	22	in	in	ADP
cjfa-63101	261	23	sub	sub	ADJ
cjfa-63101	261	24	-	-	ADJ
cjfa-63101	261	25	saharan	saharan	ADJ
cjfa-63101	261	26	africa	africa	PROPN
cjfa-63101	261	27	,	,	PUNCT
cjfa-63101	261	28	its	its	PRON
cjfa-63101	261	29	role	role	NOUN
cjfa-63101	261	30	is	be	AUX
cjfa-63101	261	31	more	more	ADV
cjfa-63101	261	32	fundamental	fundamental	ADJ
cjfa-63101	261	33	,	,	PUNCT
cjfa-63101	261	34	providing	provide	VERB
cjfa-63101	261	35	basic	basic	ADJ
cjfa-63101	261	36	financial	financial	ADJ
cjfa-63101	261	37	access	access	NOUN
cjfa-63101	261	38	and	and	CCONJ
cjfa-63101	261	39	reducing	reduce	VERB
cjfa-63101	261	40	economic	economic	ADJ
cjfa-63101	261	41	volatility	volatility	NOUN
cjfa-63101	261	42	(	(	PUNCT
cjfa-63101	261	43	moeti	moeti	PROPN
cjfa-63101	261	44	&	&	CCONJ
cjfa-63101	261	45	sin	sin	PROPN
cjfa-63101	261	46	yu	yu	PROPN
cjfa-63101	261	47	,	,	PUNCT
cjfa-63101	261	48	2024	2024	NUM
cjfa-63101	261	49	;	;	PUNCT
cjfa-63101	261	50	kamara	kamara	NOUN
cjfa-63101	261	51	,	,	PUNCT
cjfa-63101	261	52	2024	2024	NUM
cjfa-63101	261	53	)	)	PUNCT
cjfa-63101	261	54	.	.	PUNCT
cjfa-63101	262	1	the	the	DET
cjfa-63101	262	2	findings	finding	NOUN
cjfa-63101	262	3	of	of	ADP
cjfa-63101	262	4	this	this	DET
cjfa-63101	262	5	study	study	NOUN
cjfa-63101	262	6	therefore	therefore	ADV
cjfa-63101	262	7	reinforce	reinforce	VERB
cjfa-63101	262	8	the	the	DET
cjfa-63101	262	9	argument	argument	NOUN
cjfa-63101	262	10	that	that	SCONJ
cjfa-63101	262	11	higher	high	ADJ
cjfa-63101	262	12	levels	level	NOUN
cjfa-63101	262	13	of	of	ADP
cjfa-63101	262	14	financial	financial	ADJ
cjfa-63101	262	15	inclusion	inclusion	NOUN
cjfa-63101	262	16	amplify	amplify	VERB
cjfa-63101	262	17	stability	stability	NOUN
cjfa-63101	262	18	,	,	PUNCT
cjfa-63101	262	19	particularly	particularly	ADV
cjfa-63101	262	20	in	in	ADP
cjfa-63101	262	21	emerging	emerge	VERB
cjfa-63101	262	22	economies	economy	NOUN
cjfa-63101	262	23	(	(	PUNCT
cjfa-63101	262	24	antwi	antwi	PROPN
cjfa-63101	262	25	et	et	PROPN
cjfa-63101	262	26	al	al	PROPN
cjfa-63101	262	27	.	.	PROPN
cjfa-63101	262	28	,	,	PUNCT
cjfa-63101	262	29	2024	2024	NUM
cjfa-63101	262	30	)	)	PUNCT
cjfa-63101	262	31	.	.	PUNCT
cjfa-63101	263	1	however	however	ADV
cjfa-63101	263	2	,	,	PUNCT
cjfa-63101	263	3	regional	regional	ADJ
cjfa-63101	263	4	disparities	disparity	NOUN
cjfa-63101	263	5	in	in	ADP
cjfa-63101	263	6	infrastructure	infrastructure	NOUN
cjfa-63101	263	7	and	and	CCONJ
cjfa-63101	263	8	policy	policy	NOUN
cjfa-63101	263	9	frameworks	framework	NOUN
cjfa-63101	263	10	can	can	AUX
cjfa-63101	263	11	influence	influence	VERB
cjfa-63101	263	12	the	the	DET
cjfa-63101	263	13	extent	extent	NOUN
cjfa-63101	263	14	of	of	ADP
cjfa-63101	263	15	this	this	DET
cjfa-63101	263	16	relationship	relationship	NOUN
cjfa-63101	263	17	.	.	PUNCT
cjfa-63101	264	1	hence	hence	ADV
cjfa-63101	264	2	,	,	PUNCT
cjfa-63101	264	3	strengthening	strengthen	VERB
cjfa-63101	264	4	financial	financial	ADJ
cjfa-63101	264	5	literacy	literacy	NOUN
cjfa-63101	264	6	and	and	CCONJ
cjfa-63101	264	7	digital	digital	ADJ
cjfa-63101	264	8	banking	banking	NOUN
cjfa-63101	264	9	that	that	PRON
cjfa-63101	264	10	enhance	enhance	VERB
cjfa-63101	264	11	inclusion	inclusion	NOUN
cjfa-63101	264	12	could	could	AUX
cjfa-63101	264	13	further	far	ADV
cjfa-63101	264	14	enhance	enhance	VERB
cjfa-63101	264	15	stability	stability	NOUN
cjfa-63101	264	16	,	,	PUNCT
cjfa-63101	264	17	particularly	particularly	ADV
cjfa-63101	264	18	in	in	ADP
cjfa-63101	264	19	the	the	DET
cjfa-63101	264	20	sub	sub	ADJ
cjfa-63101	264	21	-	-	ADJ
cjfa-63101	264	22	saharan	saharan	ADJ
cjfa-63101	264	23	african	african	ADJ
cjfa-63101	264	24	region	region	NOUN
cjfa-63101	264	25	.	.	PUNCT
cjfa-63101	265	1	the	the	DET
cjfa-63101	265	2	study	study	NOUN
cjfa-63101	265	3	results	result	NOUN
cjfa-63101	265	4	generally	generally	ADV
cjfa-63101	265	5	suggest	suggest	VERB
cjfa-63101	265	6	that	that	SCONJ
cjfa-63101	265	7	at	at	ADP
cjfa-63101	265	8	the	the	DET
cjfa-63101	265	9	international	international	ADJ
cjfa-63101	265	10	,	,	PUNCT
cjfa-63101	265	11	regional	regional	ADJ
cjfa-63101	265	12	,	,	PUNCT
cjfa-63101	265	13	or	or	CCONJ
cjfa-63101	265	14	national	national	ADJ
cjfa-63101	265	15	level	level	NOUN
cjfa-63101	265	16	,	,	PUNCT
cjfa-63101	265	17	when	when	SCONJ
cjfa-63101	265	18	examining	examine	VERB
cjfa-63101	265	19	the	the	DET
cjfa-63101	265	20	relationship	relationship	NOUN
cjfa-63101	265	21	between	between	ADP
cjfa-63101	265	22	financial	financial	ADJ
cjfa-63101	265	23	inclusion	inclusion	NOUN
cjfa-63101	265	24	and	and	CCONJ
cjfa-63101	265	25	stability	stability	NOUN
cjfa-63101	265	26	,	,	PUNCT
cjfa-63101	265	27	especially	especially	ADV
cjfa-63101	265	28	policy	policy	NOUN
cjfa-63101	265	29	actions	action	NOUN
cjfa-63101	265	30	,	,	PUNCT
cjfa-63101	265	31	it	it	PRON
cjfa-63101	265	32	is	be	AUX
cjfa-63101	265	33	crucial	crucial	ADJ
cjfa-63101	265	34	to	to	PART
cjfa-63101	265	35	consider	consider	VERB
cjfa-63101	265	36	varying	vary	VERB
cjfa-63101	265	37	quantile	quantile	ADJ
cjfa-63101	265	38	levels	level	NOUN
cjfa-63101	265	39	rather	rather	ADV
cjfa-63101	265	40	than	than	ADP
cjfa-63101	265	41	relying	rely	VERB
cjfa-63101	265	42	solely	solely	ADV
cjfa-63101	265	43	on	on	ADP
cjfa-63101	265	44	the	the	DET
cjfa-63101	265	45	average	average	ADJ
cjfa-63101	265	46	effects	effect	NOUN
cjfa-63101	265	47	,	,	PUNCT
cjfa-63101	265	48	as	as	SCONJ
cjfa-63101	265	49	this	this	PRON
cjfa-63101	265	50	can	can	AUX
cjfa-63101	265	51	provide	provide	VERB
cjfa-63101	265	52	valuable	valuable	ADJ
cjfa-63101	265	53	insights	insight	NOUN
cjfa-63101	265	54	for	for	ADP
cjfa-63101	265	55	policymaking	policymaking	NOUN
cjfa-63101	265	56	and	and	CCONJ
cjfa-63101	265	57	financial	financial	ADJ
cjfa-63101	265	58	evaluation	evaluation	NOUN
cjfa-63101	265	59	.	.	PUNCT
cjfa-63101	265	60	 	 	SPACE
cjfa-63101	266	1	conclusion	conclusion	NOUN
cjfa-63101	266	2	and	and	CCONJ
cjfa-63101	266	3	policy	policy	NOUN
cjfa-63101	266	4	implications	implication	NOUN
cjfa-63101	266	5	 	 	SPACE
cjfa-63101	266	6	conclusion	conclusion	NOUN
cjfa-63101	266	7	and	and	CCONJ
cjfa-63101	266	8	policy	policy	NOUN
cjfa-63101	266	9	implications	implication	NOUN
cjfa-63101	266	10	this	this	DET
cjfa-63101	266	11	study	study	NOUN
cjfa-63101	266	12	uses	use	VERB
cjfa-63101	266	13	a	a	DET
cjfa-63101	266	14	quantile	quantile	ADJ
cjfa-63101	266	15	regression	regression	NOUN
cjfa-63101	266	16	approach	approach	NOUN
cjfa-63101	266	17	to	to	PART
cjfa-63101	266	18	assess	assess	VERB
cjfa-63101	266	19	the	the	DET
cjfa-63101	266	20	impact	impact	NOUN
cjfa-63101	266	21	of	of	ADP
cjfa-63101	266	22	financial	financial	ADJ
cjfa-63101	266	23	inclusion	inclusion	NOUN
cjfa-63101	266	24	on	on	ADP
cjfa-63101	266	25	ghanaian	ghanaian	ADJ
cjfa-63101	266	26	financial	financial	ADJ
cjfa-63101	266	27	stability	stability	NOUN
cjfa-63101	266	28	.	.	PUNCT
cjfa-63101	267	1	secondary	secondary	ADJ
cjfa-63101	267	2	data	datum	NOUN
cjfa-63101	267	3	from	from	ADP
cjfa-63101	267	4	the	the	DET
cjfa-63101	267	5	world	world	PROPN
cjfa-63101	267	6	bank	bank	PROPN
cjfa-63101	267	7	,	,	PUNCT
cjfa-63101	267	8	imf	imf	PROPN
cjfa-63101	267	9	,	,	PUNCT
cjfa-63101	267	10	and	and	CCONJ
cjfa-63101	267	11	bank	bank	PROPN
cjfa-63101	267	12	of	of	ADP
cjfa-63101	267	13	ghana	ghana	PROPN
cjfa-63101	267	14	(	(	PUNCT
cjfa-63101	267	15	2005–2021	2005–2021	NOUN
cjfa-63101	267	16	)	)	PUNCT
cjfa-63101	267	17	were	be	AUX
cjfa-63101	267	18	analyzed	analyze	VERB
cjfa-63101	267	19	.	.	PUNCT
cjfa-63101	268	1	the	the	DET
cjfa-63101	268	2	stationarity	stationarity	NOUN
cjfa-63101	268	3	of	of	ADP
cjfa-63101	268	4	the	the	DET
cjfa-63101	268	5	data	datum	NOUN
cjfa-63101	268	6	was	be	AUX
cjfa-63101	268	7	verified	verify	VERB
cjfa-63101	268	8	using	use	VERB
cjfa-63101	268	9	the	the	DET
cjfa-63101	268	10	adf	adf	NOUN
cjfa-63101	268	11	and	and	CCONJ
cjfa-63101	268	12	pp	pp	ADP
cjfa-63101	268	13	tests	test	NOUN
cjfa-63101	268	14	.	.	PUNCT
cjfa-63101	269	1	the	the	DET
cjfa-63101	269	2	adrl	adrl	PROPN
cjfa-63101	269	3	bound	bind	VERB
cjfa-63101	269	4	test	test	NOUN
cjfa-63101	269	5	for	for	ADP
cjfa-63101	269	6	cointegration	cointegration	NOUN
cjfa-63101	269	7	reveals	reveal	VERB
cjfa-63101	269	8	a	a	DET
cjfa-63101	269	9	significant	significant	ADJ
cjfa-63101	269	10	long	long	ADJ
cjfa-63101	269	11	-	-	PUNCT
cjfa-63101	269	12	term	term	NOUN
cjfa-63101	269	13	relationship	relationship	NOUN
cjfa-63101	269	14	between	between	ADP
cjfa-63101	269	15	the	the	DET
cjfa-63101	269	16	variables	variable	NOUN
cjfa-63101	269	17	,	,	PUNCT
cjfa-63101	269	18	indicating	indicate	VERB
cjfa-63101	269	19	that	that	SCONJ
cjfa-63101	269	20	the	the	DET
cjfa-63101	269	21	independent	independent	ADJ
cjfa-63101	269	22	variables	variable	NOUN
cjfa-63101	269	23	explain	explain	VERB
cjfa-63101	269	24	financial	financial	ADJ
cjfa-63101	269	25	stability	stability	NOUN
cjfa-63101	269	26	.	.	PUNCT
cjfa-63101	270	1	a	a	DET
cjfa-63101	270	2	long	long	ADV
cjfa-63101	270	3	-	-	PUNCT
cjfa-63101	270	4	run	run	VERB
cjfa-63101	270	5	regression	regression	NOUN
cjfa-63101	270	6	analysis	analysis	NOUN
cjfa-63101	270	7	demonstrates	demonstrate	VERB
cjfa-63101	270	8	the	the	DET
cjfa-63101	270	9	positive	positive	ADJ
cjfa-63101	270	10	impact	impact	NOUN
cjfa-63101	270	11	of	of	ADP
cjfa-63101	270	12	financial	financial	ADJ
cjfa-63101	270	13	inclusion	inclusion	NOUN
cjfa-63101	270	14	on	on	ADP
cjfa-63101	270	15	financial	financial	ADJ
cjfa-63101	270	16	stability	stability	NOUN
cjfa-63101	270	17	,	,	PUNCT
cjfa-63101	270	18	especially	especially	ADV
cjfa-63101	270	19	at	at	ADP
cjfa-63101	270	20	higher	high	ADJ
cjfa-63101	270	21	quantile	quantile	ADJ
cjfa-63101	270	22	levels	level	NOUN
cjfa-63101	270	23	.	.	PUNCT
cjfa-63101	271	1	the	the	DET
cjfa-63101	271	2	findings	finding	NOUN
cjfa-63101	271	3	of	of	ADP
cjfa-63101	271	4	this	this	DET
cjfa-63101	271	5	study	study	NOUN
cjfa-63101	271	6	have	have	VERB
cjfa-63101	271	7	significant	significant	ADJ
cjfa-63101	271	8	policy	policy	NOUN
cjfa-63101	271	9	implications	implication	NOUN
cjfa-63101	271	10	for	for	ADP
cjfa-63101	271	11	ghana	ghana	PROPN
cjfa-63101	271	12	,	,	PUNCT
cjfa-63101	271	13	west	west	PROPN
cjfa-63101	271	14	africa	africa	PROPN
cjfa-63101	271	15	,	,	PUNCT
cjfa-63101	271	16	and	and	CCONJ
cjfa-63101	271	17	the	the	DET
cjfa-63101	271	18	broader	broad	ADJ
cjfa-63101	271	19	sub	sub	ADJ
cjfa-63101	271	20	-	-	ADJ
cjfa-63101	271	21	saharan	saharan	ADJ
cjfa-63101	271	22	african	african	ADJ
cjfa-63101	271	23	region	region	NOUN
cjfa-63101	271	24	,	,	PUNCT
cjfa-63101	271	25	particularly	particularly	ADV
cjfa-63101	271	26	concerning	concern	VERB
cjfa-63101	271	27	financial	financial	ADJ
cjfa-63101	271	28	inclusion	inclusion	NOUN
cjfa-63101	271	29	and	and	CCONJ
cjfa-63101	271	30	economic	economic	ADJ
cjfa-63101	271	31	stability	stability	NOUN
cjfa-63101	271	32	.	.	PUNCT
cjfa-63101	272	1	in	in	ADP
cjfa-63101	272	2	ghana	ghana	PROPN
cjfa-63101	272	3	,	,	PUNCT
cjfa-63101	272	4	the	the	DET
cjfa-63101	272	5	noticeable	noticeable	ADJ
cjfa-63101	272	6	impact	impact	NOUN
cjfa-63101	272	7	of	of	ADP
cjfa-63101	272	8	financial	financial	ADJ
cjfa-63101	272	9	inclusion	inclusion	NOUN
cjfa-63101	272	10	at	at	ADP
cjfa-63101	272	11	higher	high	ADJ
cjfa-63101	272	12	quantile	quantile	ADJ
cjfa-63101	272	13	levels	level	NOUN
cjfa-63101	272	14	indicates	indicate	VERB
cjfa-63101	272	15	that	that	SCONJ
cjfa-63101	272	16	policies	policy	NOUN
cjfa-63101	272	17	should	should	AUX
cjfa-63101	272	18	aim	aim	VERB
cjfa-63101	272	19	to	to	PART
cjfa-63101	272	20	enhance	enhance	VERB
cjfa-63101	272	21	financial	financial	ADJ
cjfa-63101	272	22	access	access	NOUN
cjfa-63101	272	23	for	for	ADP
cjfa-63101	272	24	lower	low	ADJ
cjfa-63101	272	25	-	-	PUNCT
cjfa-63101	272	26	income	income	NOUN
cjfa-63101	272	27	and	and	CCONJ
cjfa-63101	272	28	underserved	underserved	ADJ
cjfa-63101	272	29	populations	population	NOUN
cjfa-63101	272	30	.	.	PUNCT
cjfa-63101	273	1	while	while	SCONJ
cjfa-63101	273	2	financial	financial	ADJ
cjfa-63101	273	3	inclusion	inclusion	NOUN
cjfa-63101	273	4	bolsters	bolster	VERB
cjfa-63101	273	5	stability	stability	NOUN
cjfa-63101	273	6	at	at	ADP
cjfa-63101	273	7	higher	high	ADJ
cjfa-63101	273	8	quantiles	quantile	NOUN
cjfa-63101	273	9	,	,	PUNCT
cjfa-63101	273	10	policymakers	policymaker	NOUN
cjfa-63101	273	11	must	must	AUX
cjfa-63101	273	12	address	address	VERB
cjfa-63101	273	13	disparities	disparity	NOUN
cjfa-63101	273	14	in	in	ADP
cjfa-63101	273	15	banking	banking	NOUN
cjfa-63101	273	16	accessibility	accessibility	NOUN
cjfa-63101	273	17	,	,	PUNCT
cjfa-63101	273	18	digital	digital	ADJ
cjfa-63101	273	19	financial	financial	ADJ
cjfa-63101	273	20	literacy	literacy	NOUN
cjfa-63101	273	21	,	,	PUNCT
cjfa-63101	273	22	and	and	CCONJ
cjfa-63101	273	23	regulatory	regulatory	ADJ
cjfa-63101	273	24	support	support	NOUN
cjfa-63101	273	25	for	for	ADP
cjfa-63101	273	26	fintech	fintech	NOUN
cjfa-63101	273	27	innovations	innovation	NOUN
cjfa-63101	273	28	at	at	ADP
cjfa-63101	273	29	individual	individual	ADJ
cjfa-63101	273	30	,	,	PUNCT
cjfa-63101	273	31	firm	firm	ADJ
cjfa-63101	273	32	,	,	PUNCT
cjfa-63101	273	33	and	and	CCONJ
cjfa-63101	273	34	household	household	NOUN
cjfa-63101	273	35	philomina	philomina	PROPN
cjfa-63101	273	36	maku	maku	PROPN
cjfa-63101	273	37	narh	narh	PROPN
cjfa-63101	273	38	,	,	PUNCT
cjfa-63101	273	39	collins	collins	PROPN
cjfa-63101	273	40	dodzi	dodzi	VERB
cjfa-63101	273	41	dzitse6666	dzitse6666	PROPN
cjfa-63101	273	42	levels	level	NOUN
cjfa-63101	273	43	.	.	PUNCT
cjfa-63101	274	1	strengthening	strengthen	VERB
cjfa-63101	274	2	mobile	mobile	ADJ
cjfa-63101	274	3	banking	banking	NOUN
cjfa-63101	274	4	frameworks	framework	NOUN
cjfa-63101	274	5	,	,	PUNCT
cjfa-63101	274	6	expanding	expand	VERB
cjfa-63101	274	7	microfinance	microfinance	NOUN
cjfa-63101	274	8	institutions	institution	NOUN
cjfa-63101	274	9	,	,	PUNCT
cjfa-63101	274	10	and	and	CCONJ
cjfa-63101	274	11	ensuring	ensure	VERB
cjfa-63101	274	12	robust	robust	ADJ
cjfa-63101	274	13	consumer	consumer	NOUN
cjfa-63101	274	14	protection	protection	NOUN
cjfa-63101	274	15	laws	law	NOUN
cjfa-63101	274	16	can	can	AUX
cjfa-63101	274	17	help	help	VERB
cjfa-63101	274	18	lower	low	ADJ
cjfa-63101	274	19	quantiles	quantile	NOUN
cjfa-63101	274	20	benefit	benefit	VERB
cjfa-63101	274	21	equally	equally	ADV
cjfa-63101	274	22	from	from	ADP
cjfa-63101	274	23	financial	financial	ADJ
cjfa-63101	274	24	inclusion	inclusion	NOUN
cjfa-63101	274	25	(	(	PUNCT
cjfa-63101	274	26	world	world	PROPN
cjfa-63101	274	27	bank	bank	NOUN
cjfa-63101	274	28	,	,	PUNCT
cjfa-63101	274	29	2021	2021	NUM
cjfa-63101	274	30	)	)	PUNCT
cjfa-63101	274	31	.	.	PUNCT
cjfa-63101	275	1	furthermore	furthermore	ADV
cjfa-63101	275	2	,	,	PUNCT
cjfa-63101	275	3	targeted	target	VERB
cjfa-63101	275	4	interventions	intervention	NOUN
cjfa-63101	275	5	for	for	ADP
cjfa-63101	275	6	women	woman	NOUN
cjfa-63101	275	7	,	,	PUNCT
cjfa-63101	275	8	rural	rural	ADJ
cjfa-63101	275	9	populations	population	NOUN
cjfa-63101	275	10	,	,	PUNCT
cjfa-63101	275	11	and	and	CCONJ
cjfa-63101	275	12	informal	informal	ADJ
cjfa-63101	275	13	sector	sector	NOUN
cjfa-63101	275	14	workers	worker	NOUN
cjfa-63101	275	15	are	be	AUX
cjfa-63101	275	16	crucial	crucial	ADJ
cjfa-63101	275	17	for	for	ADP
cjfa-63101	275	18	bridging	bridge	VERB
cjfa-63101	275	19	the	the	DET
cjfa-63101	275	20	financial	financial	ADJ
cjfa-63101	275	21	gaps	gap	NOUN
cjfa-63101	275	22	and	and	CCONJ
cjfa-63101	275	23	maximizing	maximize	VERB
cjfa-63101	275	24	inclusion	inclusion	NOUN
cjfa-63101	275	25	-	-	PUNCT
cjfa-63101	275	26	driven	drive	VERB
cjfa-63101	275	27	stability	stability	NOUN
cjfa-63101	275	28	.	.	PUNCT
cjfa-63101	276	1	these	these	DET
cjfa-63101	276	2	interventions	intervention	NOUN
cjfa-63101	276	3	should	should	AUX
cjfa-63101	276	4	address	address	VERB
cjfa-63101	276	5	different	different	ADJ
cjfa-63101	276	6	segments	segment	NOUN
cjfa-63101	276	7	of	of	ADP
cjfa-63101	276	8	the	the	DET
cjfa-63101	276	9	financial	financial	ADJ
cjfa-63101	276	10	system	system	NOUN
cjfa-63101	276	11	where	where	SCONJ
cjfa-63101	276	12	the	the	DET
cjfa-63101	276	13	impact	impact	NOUN
cjfa-63101	276	14	of	of	ADP
cjfa-63101	276	15	financial	financial	ADJ
cjfa-63101	276	16	inclusion	inclusion	NOUN
cjfa-63101	276	17	on	on	ADP
cjfa-63101	276	18	stability	stability	NOUN
cjfa-63101	276	19	is	be	AUX
cjfa-63101	276	20	most	most	ADV
cjfa-63101	276	21	significant	significant	ADJ
cjfa-63101	276	22	.	.	PUNCT
cjfa-63101	277	1	a	a	DET
cjfa-63101	277	2	similar	similar	ADJ
cjfa-63101	277	3	policy	policy	NOUN
cjfa-63101	277	4	focus	focus	NOUN
cjfa-63101	277	5	is	be	AUX
cjfa-63101	277	6	necessary	necessary	ADJ
cjfa-63101	277	7	across	across	ADP
cjfa-63101	277	8	west	west	NOUN
cjfa-63101	277	9	and	and	CCONJ
cjfa-63101	277	10	sub	sub	ADJ
cjfa-63101	277	11	-	-	ADJ
cjfa-63101	277	12	saharan	saharan	ADJ
cjfa-63101	277	13	africa	africa	PROPN
cjfa-63101	277	14	.	.	PUNCT
cjfa-63101	278	1	countries	country	NOUN
cjfa-63101	278	2	such	such	ADJ
cjfa-63101	278	3	as	as	ADP
cjfa-63101	278	4	nigeria	nigeria	PROPN
cjfa-63101	278	5	,	,	PUNCT
cjfa-63101	278	6	kenya	kenya	PROPN
cjfa-63101	278	7	,	,	PUNCT
cjfa-63101	278	8	and	and	CCONJ
cjfa-63101	278	9	south	south	PROPN
cjfa-63101	278	10	africa	africa	PROPN
cjfa-63101	278	11	have	have	AUX
cjfa-63101	278	12	witnessed	witness	VERB
cjfa-63101	278	13	how	how	SCONJ
cjfa-63101	278	14	financial	financial	ADJ
cjfa-63101	278	15	inclusion	inclusion	NOUN
cjfa-63101	278	16	can	can	AUX
cjfa-63101	278	17	bolster	bolster	VERB
cjfa-63101	278	18	macroeconomic	macroeconomic	ADJ
cjfa-63101	278	19	resilience	resilience	NOUN
cjfa-63101	278	20	;	;	PUNCT
cjfa-63101	278	21	however	however	ADV
cjfa-63101	278	22	,	,	PUNCT
cjfa-63101	278	23	disparities	disparity	NOUN
cjfa-63101	278	24	and	and	CCONJ
cjfa-63101	278	25	access	access	NOUN
cjfa-63101	278	26	to	to	ADP
cjfa-63101	278	27	formal	formal	ADJ
cjfa-63101	278	28	banking	banking	NOUN
cjfa-63101	278	29	persist	persist	NOUN
cjfa-63101	278	30	.	.	PUNCT
cjfa-63101	279	1	to	to	PART
cjfa-63101	279	2	reinforce	reinforce	VERB
cjfa-63101	279	3	economic	economic	ADJ
cjfa-63101	279	4	stability	stability	NOUN
cjfa-63101	279	5	,	,	PUNCT
cjfa-63101	279	6	regional	regional	ADJ
cjfa-63101	279	7	governments	government	NOUN
cjfa-63101	279	8	should	should	AUX
cjfa-63101	279	9	collaborate	collaborate	VERB
cjfa-63101	279	10	on	on	ADP
cjfa-63101	279	11	harmonized	harmonized	ADJ
cjfa-63101	279	12	digital	digital	ADJ
cjfa-63101	279	13	financial	financial	ADJ
cjfa-63101	279	14	policies	policy	NOUN
cjfa-63101	279	15	,	,	PUNCT
cjfa-63101	279	16	cross	cross	ADJ
cjfa-63101	279	17	-	-	ADJ
cjfa-63101	279	18	border	border	ADJ
cjfa-63101	279	19	fintech	fintech	NOUN
cjfa-63101	279	20	regulations	regulation	NOUN
cjfa-63101	279	21	,	,	PUNCT
cjfa-63101	279	22	and	and	CCONJ
cjfa-63101	279	23	mobile	mobile	ADJ
cjfa-63101	279	24	money	money	NOUN
cjfa-63101	279	25	interoperability	interoperability	NOUN
cjfa-63101	279	26	.	.	PUNCT
cjfa-63101	280	1	additionally	additionally	ADV
cjfa-63101	280	2	,	,	PUNCT
cjfa-63101	280	3	aligning	align	VERB
cjfa-63101	280	4	financial	financial	ADJ
cjfa-63101	280	5	inclusion	inclusion	NOUN
cjfa-63101	280	6	with	with	ADP
cjfa-63101	280	7	monetary	monetary	ADJ
cjfa-63101	280	8	policies	policy	NOUN
cjfa-63101	280	9	,	,	PUNCT
cjfa-63101	280	10	such	such	ADJ
cjfa-63101	280	11	as	as	ADP
cjfa-63101	280	12	interest	interest	NOUN
cjfa-63101	280	13	rate	rate	NOUN
cjfa-63101	280	14	stabilization	stabilization	NOUN
cjfa-63101	280	15	and	and	CCONJ
cjfa-63101	280	16	inflation	inflation	NOUN
cjfa-63101	280	17	control	control	NOUN
cjfa-63101	280	18	,	,	PUNCT
cjfa-63101	280	19	can	can	AUX
cjfa-63101	280	20	further	far	ADV
cjfa-63101	280	21	enhance	enhance	VERB
cjfa-63101	280	22	financial	financial	ADJ
cjfa-63101	280	23	security	security	NOUN
cjfa-63101	280	24	.	.	PUNCT
cjfa-63101	281	1	policymakers	policymaker	NOUN
cjfa-63101	281	2	should	should	AUX
cjfa-63101	281	3	start	start	VERB
cjfa-63101	281	4	to	to	ADP
cjfa-63101	281	5	leverage	leverage	NOUN
cjfa-63101	281	6	ai	ai	ADJ
cjfa-63101	281	7	-	-	PUNCT
cjfa-63101	281	8	driven	drive	VERB
cjfa-63101	281	9	financial	financial	ADJ
cjfa-63101	281	10	tools	tool	NOUN
cjfa-63101	281	11	to	to	PART
cjfa-63101	281	12	improve	improve	VERB
cjfa-63101	281	13	credit	credit	NOUN
cjfa-63101	281	14	accessibility	accessibility	NOUN
cjfa-63101	281	15	and	and	CCONJ
cjfa-63101	281	16	risk	risk	NOUN
cjfa-63101	281	17	management	management	NOUN
cjfa-63101	281	18	,	,	PUNCT
cjfa-63101	281	19	particularly	particularly	ADV
cjfa-63101	281	20	for	for	ADP
cjfa-63101	281	21	smes	sme	NOUN
cjfa-63101	281	22	(	(	PUNCT
cjfa-63101	281	23	djoufouet	djoufouet	NOUN
cjfa-63101	281	24	&	&	CCONJ
cjfa-63101	281	25	pondie	pondie	NOUN
cjfa-63101	281	26	,	,	PUNCT
cjfa-63101	281	27	2022	2022	NUM
cjfa-63101	281	28	;	;	PUNCT
cjfa-63101	281	29	olusegun	olusegun	PROPN
cjfa-63101	281	30	et	et	PROPN
cjfa-63101	281	31	al	al	PROPN
cjfa-63101	281	32	.	.	PROPN
cjfa-63101	281	33	,	,	PUNCT
cjfa-63101	281	34	2021	2021	NUM
cjfa-63101	281	35	)	)	PUNCT
cjfa-63101	281	36	.	.	PUNCT
cjfa-63101	282	1	finally	finally	ADV
cjfa-63101	282	2	,	,	PUNCT
cjfa-63101	282	3	a	a	DET
cjfa-63101	282	4	financial	financial	ADJ
cjfa-63101	282	5	inclusion	inclusion	NOUN
cjfa-63101	282	6	strategy	strategy	NOUN
cjfa-63101	282	7	that	that	PRON
cjfa-63101	282	8	incorporates	incorporate	VERB
cjfa-63101	282	9	best	good	ADJ
cjfa-63101	282	10	practices	practice	NOUN
cjfa-63101	282	11	among	among	ADP
cjfa-63101	282	12	the	the	DET
cjfa-63101	282	13	economies	economy	NOUN
cjfa-63101	282	14	in	in	ADP
cjfa-63101	282	15	each	each	DET
cjfa-63101	282	16	regional	regional	ADJ
cjfa-63101	282	17	block	block	NOUN
cjfa-63101	282	18	would	would	AUX
cjfa-63101	282	19	also	also	ADV
cjfa-63101	282	20	facilitate	facilitate	VERB
cjfa-63101	282	21	sustainable	sustainable	ADJ
cjfa-63101	282	22	and	and	CCONJ
cjfa-63101	282	23	inclusive	inclusive	ADJ
cjfa-63101	282	24	economic	economic	ADJ
cjfa-63101	282	25	growth	growth	NOUN
cjfa-63101	282	26	.	.	PUNCT
cjfa-63101	283	1	future	future	ADJ
cjfa-63101	283	2	research	research	NOUN
cjfa-63101	283	3	should	should	AUX
cjfa-63101	283	4	explore	explore	VERB
cjfa-63101	283	5	the	the	DET
cjfa-63101	283	6	mechanisms	mechanism	NOUN
cjfa-63101	283	7	underlying	underlie	VERB
cjfa-63101	283	8	the	the	DET
cjfa-63101	283	9	increased	increase	VERB
cjfa-63101	283	10	impact	impact	NOUN
cjfa-63101	283	11	of	of	ADP
cjfa-63101	283	12	financial	financial	ADJ
cjfa-63101	283	13	inclusion	inclusion	NOUN
cjfa-63101	283	14	in	in	ADP
cjfa-63101	283	15	higher	high	ADJ
cjfa-63101	283	16	quantiles	quantile	NOUN
cjfa-63101	283	17	and	and	CCONJ
cjfa-63101	283	18	its	its	PRON
cjfa-63101	283	19	applicability	applicability	NOUN
cjfa-63101	283	20	in	in	ADP
cjfa-63101	283	21	different	different	ADJ
cjfa-63101	283	22	economic	economic	ADJ
cjfa-63101	283	23	contexts	contexts	NOUN
cjfa-63101	283	24	.	.	PUNCT
cjfa-63101	284	1	understanding	understand	VERB
cjfa-63101	284	2	these	these	DET
cjfa-63101	284	3	quantile	quantile	ADJ
cjfa-63101	284	4	-	-	PUNCT
cjfa-63101	284	5	specific	specific	ADJ
cjfa-63101	284	6	relationships	relationship	NOUN
cjfa-63101	284	7	can	can	AUX
cjfa-63101	284	8	help	help	VERB
cjfa-63101	284	9	to	to	PART
cjfa-63101	284	10	develop	develop	VERB
cjfa-63101	284	11	nuanced	nuanced	ADJ
cjfa-63101	284	12	strategies	strategy	NOUN
cjfa-63101	284	13	to	to	PART
cjfa-63101	284	14	promote	promote	VERB
cjfa-63101	284	15	financial	financial	ADJ
cjfa-63101	284	16	inclusion	inclusion	NOUN
cjfa-63101	284	17	and	and	CCONJ
cjfa-63101	284	18	stability	stability	NOUN
cjfa-63101	284	19	in	in	ADP
cjfa-63101	284	20	ghana	ghana	PROPN
cjfa-63101	284	21	and	and	CCONJ
cjfa-63101	284	22	other	other	ADJ
cjfa-63101	284	23	developing	develop	VERB
cjfa-63101	284	24	economies	economy	NOUN
cjfa-63101	284	25	.	.	PUNCT
cjfa-63101	284	26	 	 	SPACE
cjfa-63101	285	1	references	reference	NOUN
cjfa-63101	285	2	 	 	SPACE
cjfa-63101	285	3	references	reference	NOUN
cjfa-63101	285	4	ahamed	ahamed	PROPN
cjfa-63101	285	5	,	,	PUNCT
cjfa-63101	285	6	m.m	m.m	PROPN
cjfa-63101	285	7	.	.	PROPN
cjfa-63101	285	8	,	,	PUNCT
cjfa-63101	285	9	&	&	CCONJ
cjfa-63101	285	10	mallick	mallick	PROPN
cjfa-63101	285	11	,	,	PUNCT
cjfa-63101	285	12	s.k	s.k	PROPN
cjfa-63101	285	13	.	.	PROPN
cjfa-63101	285	14	(	(	PUNCT
cjfa-63101	285	15	2019	2019	NUM
cjfa-63101	285	16	)	)	PUNCT
cjfa-63101	285	17	.	.	PUNCT
cjfa-63101	286	1	is	be	AUX
cjfa-63101	286	2	financial	financial	ADJ
cjfa-63101	286	3	inclusion	inclusion	NOUN
cjfa-63101	286	4	good	good	ADJ
cjfa-63101	286	5	for	for	ADP
cjfa-63101	286	6	bank	bank	NOUN
cjfa-63101	286	7	stability	stability	NOUN
cjfa-63101	286	8	?	?	PUNCT
cjfa-63101	287	1	international	international	ADJ
cjfa-63101	287	2	evidence	evidence	NOUN
cjfa-63101	287	3	.	.	PUNCT
cjfa-63101	288	1	journal	journal	NOUN
cjfa-63101	288	2	of	of	ADP
cjfa-63101	288	3	economic	economic	ADJ
cjfa-63101	288	4	behavior	behavior	NOUN
cjfa-63101	288	5	&	&	CCONJ
cjfa-63101	288	6	organization	organization	PROPN
cjfa-63101	288	7	,	,	PUNCT
cjfa-63101	288	8	157	157	NUM
cjfa-63101	288	9	,	,	PUNCT
cjfa-63101	288	10	403–427	403–427	NUM
cjfa-63101	288	11	.	.	PUNCT
cjfa-63101	288	12	https://doi.org/10.1016/j.jebo.2017.07.027	https://doi.org/10.1016/j.jebo.2017.07.027	PROPN
cjfa-63101	288	13	.	.	PUNCT
cjfa-63101	289	1	anokye	anokye	PROPN
cjfa-63101	289	2	,	,	PUNCT
cjfa-63101	289	3	m.a	m.a	PROPN
cjfa-63101	289	4	.	.	PROPN
cjfa-63101	289	5	,	,	PUNCT
cjfa-63101	289	6	&	&	CCONJ
cjfa-63101	289	7	peterson	peterson	PROPN
cjfa-63101	289	8	,	,	PUNCT
cjfa-63101	289	9	o.j	o.j	PROPN
cjfa-63101	289	10	.	.	PROPN
cjfa-63101	289	11	(	(	PUNCT
cjfa-63101	289	12	2017	2017	NUM
cjfa-63101	289	13	)	)	PUNCT
cjfa-63101	289	14	.	.	PUNCT
cjfa-63101	290	1	financial	financial	ADJ
cjfa-63101	290	2	econometrics	econometric	NOUN
cjfa-63101	290	3	,	,	PUNCT
cjfa-63101	290	4	an	an	DET
cjfa-63101	290	5	example	example	NOUN
cjfa-63101	290	6	-	-	PUNCT
cjfa-63101	290	7	based	base	VERB
cjfa-63101	290	8	handbook	handbook	NOUN
cjfa-63101	290	9	.	.	PUNCT
cjfa-63101	291	1	new	new	PROPN
cjfa-63101	291	2	york	york	PROPN
cjfa-63101	291	3	:	:	PUNCT
cjfa-63101	291	4	nova	nova	PROPN
cjfa-63101	291	5	science	science	PROPN
cjfa-63101	291	6	publishers	publishers	PROPN
cjfa-63101	291	7	inc	inc	PROPN
cjfa-63101	291	8	.	.	PROPN
cjfa-63101	291	9	anthony	anthony	PROPN
cjfa-63101	291	10	-	-	PUNCT
cjfa-63101	291	11	orji	orji	PROPN
cjfa-63101	291	12	,	,	PUNCT
cjfa-63101	291	13	o.	o.	PROPN
cjfa-63101	291	14	,	,	PUNCT
cjfa-63101	291	15	orji	orji	PROPN
cjfa-63101	291	16	,	,	PUNCT
cjfa-63101	291	17	a.	a.	NOUN
cjfa-63101	291	18	,	,	PUNCT
cjfa-63101	291	19	ogbuabor	ogbuabor	PROPN
cjfa-63101	291	20	,	,	PUNCT
cjfa-63101	291	21	j.e	j.e	PROPN
cjfa-63101	291	22	.	.	PROPN
cjfa-63101	291	23	,	,	PUNCT
cjfa-63101	291	24	mba	mba	PROPN
cjfa-63101	291	25	,	,	PUNCT
cjfa-63101	291	26	p.n	p.n	PROPN
cjfa-63101	291	27	.	.	PROPN
cjfa-63101	291	28	,	,	PUNCT
cjfa-63101	291	29	&	&	CCONJ
cjfa-63101	291	30	onwe	onwe	ADJ
cjfa-63101	291	31	,	,	PUNCT
cjfa-63101	291	32	i.e.	i.e.	X
cjfa-63101	291	33	(	(	PUNCT
cjfa-63101	291	34	2021	2021	NUM
cjfa-63101	291	35	)	)	PUNCT
cjfa-63101	291	36	.	.	PUNCT
cjfa-63101	292	1	financial	financial	ADJ
cjfa-63101	292	2	inclusion	inclusion	NOUN
cjfa-63101	292	3	and	and	CCONJ
cjfa-63101	292	4	financial	financial	ADJ
cjfa-63101	292	5	stability	stability	NOUN
cjfa-63101	292	6	in	in	ADP
cjfa-63101	292	7	nigeria	nigeria	PROPN
cjfa-63101	292	8	:	:	PUNCT
cjfa-63101	292	9	a	a	DET
cjfa-63101	292	10	new	new	ADJ
cjfa-63101	292	11	empirical	empirical	ADJ
cjfa-63101	292	12	evidence	evidence	NOUN
cjfa-63101	292	13	.	.	PUNCT
cjfa-63101	293	1	journal	journal	NOUN
cjfa-63101	293	2	of	of	ADP
cjfa-63101	293	3	xi’an	xi’an	PROPN
cjfa-63101	293	4	shiyou	shiyou	PROPN
cjfa-63101	293	5	university	university	PROPN
cjfa-63101	293	6	,	,	PUNCT
cjfa-63101	293	7	natural	natural	ADJ
cjfa-63101	293	8	science	science	NOUN
cjfa-63101	293	9	edition	edition	NOUN
cjfa-63101	293	10	,	,	PUNCT
cjfa-63101	293	11	17(12	17(12	NUM
cjfa-63101	293	12	)	)	PUNCT
cjfa-63101	293	13	,	,	PUNCT
cjfa-63101	293	14	138–160	138–160	NUM
cjfa-63101	293	15	.	.	PUNCT
cjfa-63101	294	1	financial	financial	ADJ
cjfa-63101	294	2	inclusion	inclusion	NOUN
cjfa-63101	294	3	towards	towards	ADP
cjfa-63101	294	4	financial	financial	ADJ
cjfa-63101	294	5	stability	stability	NOUN
cjfa-63101	294	6	in	in	ADP
cjfa-63101	294	7	ghana	ghana	PROPN
cjfa-63101	294	8	…	…	PUNCT
cjfa-63101	294	9	6767	6767	NUM
cjfa-63101	294	10	antwi	antwi	ADJ
cjfa-63101	294	11	,	,	PUNCT
cjfa-63101	294	12	f.	f.	PROPN
cjfa-63101	294	13	,	,	PUNCT
cjfa-63101	294	14	kong	kong	PROPN
cjfa-63101	294	15	,	,	PUNCT
cjfa-63101	294	16	y.	y.	PROPN
cjfa-63101	294	17	,	,	PUNCT
cjfa-63101	294	18	&	&	CCONJ
cjfa-63101	294	19	gyimah	gyimah	PROPN
cjfa-63101	294	20	,	,	PUNCT
cjfa-63101	294	21	k.n	k.n	PROPN
cjfa-63101	294	22	.	.	PROPN
cjfa-63101	294	23	(	(	PUNCT
cjfa-63101	294	24	2024	2024	NUM
cjfa-63101	294	25	)	)	PUNCT
cjfa-63101	294	26	.	.	PUNCT
cjfa-63101	295	1	financial	financial	ADJ
cjfa-63101	295	2	inclusion	inclusion	NOUN
cjfa-63101	295	3	,	,	PUNCT
cjfa-63101	295	4	competition	competition	NOUN
cjfa-63101	295	5	and	and	CCONJ
cjfa-63101	295	6	financial	financial	ADJ
cjfa-63101	295	7	stability	stability	NOUN
cjfa-63101	295	8	:	:	PUNCT
cjfa-63101	295	9	new	new	ADJ
cjfa-63101	295	10	evidence	evidence	NOUN
cjfa-63101	295	11	from	from	ADP
cjfa-63101	295	12	developing	develop	VERB
cjfa-63101	295	13	economies	economy	NOUN
cjfa-63101	295	14	.	.	PUNCT
cjfa-63101	296	1	heliyon	heliyon	NOUN
cjfa-63101	296	2	,	,	PUNCT
cjfa-63101	296	3	10(13	10(13	NUM
cjfa-63101	296	4	)	)	PUNCT
cjfa-63101	296	5	,	,	PUNCT
cjfa-63101	296	6	e33723	e33723	PROPN
cjfa-63101	296	7	.	.	PROPN
cjfa-63101	296	8	https://doi.org/10.1016/j.heliyon.2024.e33723	https://doi.org/10.1016/j.heliyon.2024.e33723	PROPN
cjfa-63101	296	9	.	.	PUNCT
cjfa-63101	297	1	atellu	atellu	PROPN
cjfa-63101	297	2	,	,	PUNCT
cjfa-63101	297	3	a.r	a.r	PROPN
cjfa-63101	297	4	.	.	PROPN
cjfa-63101	297	5	,	,	PUNCT
cjfa-63101	297	6	&	&	CCONJ
cjfa-63101	297	7	sule	sule	PROPN
cjfa-63101	297	8	,	,	PUNCT
cjfa-63101	297	9	p.w.m.o	p.w.m.o	PROPN
cjfa-63101	297	10	.	.	PUNCT
cjfa-63101	297	11	(	(	PUNCT
cjfa-63101	297	12	2019	2019	NUM
cjfa-63101	297	13	)	)	PUNCT
cjfa-63101	297	14	.	.	PUNCT
cjfa-63101	298	1	financial	financial	ADJ
cjfa-63101	298	2	stability	stability	NOUN
cjfa-63101	298	3	in	in	ADP
cjfa-63101	298	4	kenya	kenya	PROPN
cjfa-63101	298	5	.	.	PUNCT
cjfa-63101	299	1	does	do	VERB
cjfa-63101	299	2	inclusive	inclusive	ADJ
cjfa-63101	299	3	finance	finance	NOUN
cjfa-63101	299	4	matter	matter	NOUN
cjfa-63101	299	5	?	?	PUNCT
cjfa-63101	300	1	journal	journal	NOUN
cjfa-63101	300	2	of	of	ADP
cjfa-63101	300	3	economics	economic	NOUN
cjfa-63101	300	4	and	and	CCONJ
cjfa-63101	300	5	sustainable	sustainable	ADJ
cjfa-63101	300	6	development	development	NOUN
cjfa-63101	300	7	,	,	PUNCT
cjfa-63101	300	8	10(6	10(6	NOUN
cjfa-63101	300	9	)	)	PUNCT
cjfa-63101	300	10	,	,	PUNCT
cjfa-63101	300	11	55–79	55–79	ADV
cjfa-63101	300	12	.	.	PUNCT
cjfa-63101	301	1	https://doi	https://doi	X
cjfa-63101	301	2	.	.	PUNCT
cjfa-63101	301	3	org/10.7176	org/10.7176	NOUN
cjfa-63101	301	4	/	/	SYM
cjfa-63101	301	5	jesd/10	jesd/10	NUM
cjfa-63101	301	6	-	-	PUNCT
cjfa-63101	301	7	6	6	NUM
cjfa-63101	301	8	-	-	SYM
cjfa-63101	301	9	07	07	NUM
cjfa-63101	301	10	.	.	PUNCT
cjfa-63101	301	11	babar	babar	PROPN
cjfa-63101	301	12	,	,	PUNCT
cjfa-63101	301	13	s.	s.	PROPN
cjfa-63101	301	14	,	,	PUNCT
cjfa-63101	301	15	latief	latief	NOUN
cjfa-63101	301	16	,	,	PUNCT
cjfa-63101	301	17	r.	r.	PROPN
cjfa-63101	301	18	,	,	PUNCT
cjfa-63101	301	19	ashraf	ashraf	PROPN
cjfa-63101	301	20	s.	s.	PROPN
cjfa-63101	301	21	,	,	PUNCT
cjfa-63101	301	22	&	&	CCONJ
cjfa-63101	301	23	nawaz	nawaz	PROPN
cjfa-63101	301	24	,	,	PUNCT
cjfa-63101	301	25	s.	s.	PROPN
cjfa-63101	301	26	(	(	PUNCT
cjfa-63101	301	27	2019	2019	NUM
cjfa-63101	301	28	)	)	PUNCT
cjfa-63101	301	29	.	.	PUNCT
cjfa-63101	302	1	financial	financial	ADJ
cjfa-63101	302	2	stability	stability	NOUN
cjfa-63101	302	3	index	index	NOUN
cjfa-63101	302	4	for	for	ADP
cjfa-63101	302	5	the	the	DET
cjfa-63101	302	6	financial	financial	ADJ
cjfa-63101	302	7	sector	sector	NOUN
cjfa-63101	302	8	of	of	ADP
cjfa-63101	302	9	pakistan	pakistan	PROPN
cjfa-63101	302	10	.	.	PUNCT
cjfa-63101	303	1	economies	economy	NOUN
cjfa-63101	303	2	,	,	PUNCT
cjfa-63101	303	3	7(3	7(3	NUM
cjfa-63101	303	4	)	)	PUNCT
cjfa-63101	303	5	,	,	PUNCT
cjfa-63101	303	6	81	81	NUM
cjfa-63101	303	7	.	.	PUNCT
cjfa-63101	304	1	https://doi.org/10.3390/economies7030081	https://doi.org/10.3390/economies7030081	PROPN
cjfa-63101	304	2	.	.	PUNCT
cjfa-63101	305	1	babatunde	babatunde	PROPN
cjfa-63101	305	2	,	,	PUNCT
cjfa-63101	305	3	a.a	a.a	PROPN
cjfa-63101	305	4	.	.	PROPN
cjfa-63101	305	5	(	(	PUNCT
cjfa-63101	305	6	2024	2024	NUM
cjfa-63101	305	7	)	)	PUNCT
cjfa-63101	305	8	.	.	PUNCT
cjfa-63101	306	1	demand	demand	NOUN
cjfa-63101	306	2	side	side	NOUN
cjfa-63101	306	3	factors	factor	NOUN
cjfa-63101	306	4	and	and	CCONJ
cjfa-63101	306	5	financial	financial	ADJ
cjfa-63101	306	6	inclusion	inclusion	NOUN
cjfa-63101	306	7	:	:	PUNCT
cjfa-63101	306	8	the	the	DET
cjfa-63101	306	9	mediating	mediate	VERB
cjfa-63101	306	10	role	role	NOUN
cjfa-63101	306	11	of	of	ADP
cjfa-63101	306	12	financial	financial	ADJ
cjfa-63101	306	13	self	self	NOUN
cjfa-63101	306	14	-	-	PUNCT
cjfa-63101	306	15	efficacy	efficacy	NOUN
cjfa-63101	306	16	.	.	PUNCT
cjfa-63101	307	1	copernican	copernican	PROPN
cjfa-63101	307	2	journal	journal	PROPN
cjfa-63101	307	3	of	of	ADP
cjfa-63101	307	4	finance	finance	PROPN
cjfa-63101	307	5	&	&	CCONJ
cjfa-63101	307	6	accounting	accounting	PROPN
cjfa-63101	307	7	,	,	PUNCT
cjfa-63101	307	8	13(2	13(2	PROPN
cjfa-63101	307	9	)	)	PUNCT
cjfa-63101	307	10	,	,	PUNCT
cjfa-63101	307	11	29–45	29–45	NUM
cjfa-63101	307	12	.	.	PUNCT
cjfa-63101	307	13	http://dx.doi.org/10.12775/cjfa.2024.006	http://dx.doi.org/10.12775/cjfa.2024.006	NOUN
cjfa-63101	307	14	.	.	PUNCT
cjfa-63101	308	1	camara	camara	PROPN
cjfa-63101	308	2	,	,	PUNCT
cjfa-63101	308	3	i.	i.	PROPN
cjfa-63101	308	4	,	,	PUNCT
cjfa-63101	308	5	&	&	CCONJ
cjfa-63101	308	6	diallo	diallo	PROPN
cjfa-63101	308	7	,	,	PUNCT
cjfa-63101	308	8	i.	i.	PROPN
cjfa-63101	308	9	(	(	PUNCT
cjfa-63101	308	10	2020	2020	NUM
cjfa-63101	308	11	)	)	PUNCT
cjfa-63101	308	12	.	.	PUNCT
cjfa-63101	309	1	financial	financial	ADJ
cjfa-63101	309	2	sector	sector	NOUN
cjfa-63101	309	3	development	development	NOUN
cjfa-63101	309	4	and	and	CCONJ
cjfa-63101	309	5	economic	economic	ADJ
cjfa-63101	309	6	growth	growth	NOUN
cjfa-63101	309	7	:	:	PUNCT
cjfa-63101	309	8	the	the	DET
cjfa-63101	309	9	case	case	NOUN
cjfa-63101	309	10	of	of	ADP
cjfa-63101	309	11	ecowas	ecowas	PROPN
cjfa-63101	309	12	countries	country	NOUN
cjfa-63101	309	13	.	.	PUNCT
cjfa-63101	310	1	in	in	ADP
cjfa-63101	310	2	:	:	PUNCT
cjfa-63101	310	3	d.	d.	PROPN
cjfa-63101	310	4	seck	seck	PROPN
cjfa-63101	310	5	(	(	PUNCT
cjfa-63101	310	6	ed	ed	NOUN
cjfa-63101	310	7	.	.	PUNCT
cjfa-63101	310	8	)	)	PUNCT
cjfa-63101	310	9	.	.	PUNCT
cjfa-63101	311	1	financing	finance	VERB
cjfa-63101	311	2	africa	africa	PROPN
cjfa-63101	311	3	’s	’s	PART
cjfa-63101	311	4	development	development	NOUN
cjfa-63101	311	5	.	.	PUNCT
cjfa-63101	312	1	advances	advance	NOUN
cjfa-63101	312	2	in	in	ADP
cjfa-63101	312	3	african	african	ADJ
cjfa-63101	312	4	economic	economic	ADJ
cjfa-63101	312	5	,	,	PUNCT
cjfa-63101	312	6	social	social	ADJ
cjfa-63101	312	7	and	and	CCONJ
cjfa-63101	312	8	political	political	ADJ
cjfa-63101	312	9	development	development	NOUN
cjfa-63101	312	10	.	.	PUNCT
cjfa-63101	313	1	springer	springer	NOUN
cjfa-63101	313	2	:	:	PUNCT
cjfa-63101	313	3	cham	cham	PROPN
cjfa-63101	313	4	.	.	PUNCT
cjfa-63101	314	1	https://doi.org/10.1007/978-3-030-46482-0_8	https://doi.org/10.1007/978-3-030-46482-0_8	X
cjfa-63101	314	2	.	.	PUNCT
cjfa-63101	315	1	canlas	canlas	PROPN
cjfa-63101	315	2	,	,	PUNCT
cjfa-63101	315	3	d.	d.	PROPN
cjfa-63101	315	4	,	,	PUNCT
cjfa-63101	315	5	ravalo	ravalo	PROPN
cjfa-63101	315	6	,	,	PUNCT
cjfa-63101	315	7	j.n	j.n	PROPN
cjfa-63101	315	8	.	.	PROPN
cjfa-63101	315	9	,	,	PUNCT
cjfa-63101	315	10	&	&	CCONJ
cjfa-63101	315	11	remolona	remolona	PROPN
cjfa-63101	315	12	,	,	PUNCT
cjfa-63101	315	13	e.m	e.m	PROPN
cjfa-63101	315	14	.	.	PROPN
cjfa-63101	315	15	(	(	PUNCT
cjfa-63101	315	16	2025	2025	NUM
cjfa-63101	315	17	)	)	PUNCT
cjfa-63101	315	18	.	.	PUNCT
cjfa-63101	316	1	do	do	AUX
cjfa-63101	316	2	small	small	ADJ
cjfa-63101	316	3	bank	bank	NOUN
cjfa-63101	316	4	deposits	deposit	NOUN
cjfa-63101	316	5	run	run	VERB
cjfa-63101	316	6	more	more	ADJ
cjfa-63101	316	7	than	than	ADP
cjfa-63101	316	8	large	large	ADJ
cjfa-63101	316	9	ones	one	NOUN
cjfa-63101	316	10	?	?	PUNCT
cjfa-63101	317	1	three	three	NUM
cjfa-63101	317	2	event	event	NOUN
cjfa-63101	317	3	studies	study	NOUN
cjfa-63101	317	4	of	of	ADP
cjfa-63101	317	5	contagion	contagion	NOUN
cjfa-63101	317	6	and	and	CCONJ
cjfa-63101	317	7	financial	financial	ADJ
cjfa-63101	317	8	inclusion	inclusion	NOUN
cjfa-63101	317	9	.	.	PUNCT
cjfa-63101	318	1	journal	journal	PROPN
cjfa-63101	318	2	of	of	ADP
cjfa-63101	318	3	financial	financial	ADJ
cjfa-63101	318	4	stability	stability	NOUN
cjfa-63101	318	5	,	,	PUNCT
cjfa-63101	318	6	78	78	NUM
cjfa-63101	318	7	,	,	PUNCT
cjfa-63101	318	8	101417	101417	NUM
cjfa-63101	318	9	.	.	PUNCT
cjfa-63101	319	1	https://doi.org/10.1016/j.jfs.2025.101417	https://doi.org/10.1016/j.jfs.2025.101417	PROPN
cjfa-63101	319	2	.	.	PUNCT
cjfa-63101	319	3	cull	cull	PROPN
cjfa-63101	319	4	,	,	PUNCT
cjfa-63101	319	5	r.	r.	PROPN
cjfa-63101	319	6	,	,	PUNCT
cjfa-63101	319	7	ehrbeck	ehrbeck	PROPN
cjfa-63101	319	8	,	,	PUNCT
cjfa-63101	319	9	t.d	t.d	PROPN
cjfa-63101	319	10	.	.	PROPN
cjfa-63101	319	11	,	,	PUNCT
cjfa-63101	319	12	&	&	CCONJ
cjfa-63101	319	13	holle	holle	PROPN
cjfa-63101	319	14	,	,	PUNCT
cjfa-63101	319	15	n.	n.	PROPN
cjfa-63101	319	16	(	(	PUNCT
cjfa-63101	319	17	2014	2014	NUM
cjfa-63101	319	18	)	)	PUNCT
cjfa-63101	319	19	.	.	PUNCT
cjfa-63101	320	1	financial	financial	ADJ
cjfa-63101	320	2	inclusion	inclusion	NOUN
cjfa-63101	320	3	and	and	CCONJ
cjfa-63101	320	4	development	development	NOUN
cjfa-63101	320	5	:	:	PUNCT
cjfa-63101	320	6	recent	recent	ADJ
cjfa-63101	320	7	impact	impact	NOUN
cjfa-63101	320	8	evidence	evidence	NOUN
cjfa-63101	320	9	(	(	PUNCT
cjfa-63101	320	10	english	english	PROPN
cjfa-63101	320	11	)	)	PUNCT
cjfa-63101	320	12	.	.	PUNCT
cjfa-63101	321	1	washington	washington	PROPN
cjfa-63101	321	2	,	,	PUNCT
cjfa-63101	321	3	dc	dc	PROPN
cjfa-63101	321	4	:	:	PUNCT
cjfa-63101	321	5	world	world	PROPN
cjfa-63101	321	6	bank	bank	PROPN
cjfa-63101	321	7	group	group	NOUN
cjfa-63101	321	8	.	.	PUNCT
cjfa-63101	322	1	http://documents	http://document	NOUN
cjfa-63101	322	2	.	.	PUNCT
cjfa-63101	323	1	worldbank.org/curated/en/269601468153288448	worldbank.org/curated/en/269601468153288448	X
cjfa-63101	323	2	(	(	PUNCT
cjfa-63101	323	3	accessed	access	VERB
cjfa-63101	323	4	:	:	PUNCT
cjfa-63101	323	5	15.12.2024	15.12.2024	NUM
cjfa-63101	323	6	)	)	PUNCT
cjfa-63101	323	7	.	.	PUNCT
cjfa-63101	324	1	danisman	danisman	PROPN
cjfa-63101	324	2	,	,	PUNCT
cjfa-63101	324	3	g.o	g.o	PROPN
cjfa-63101	324	4	.	.	PROPN
cjfa-63101	324	5	,	,	PUNCT
cjfa-63101	324	6	&	&	CCONJ
cjfa-63101	324	7	tarazi	tarazi	NOUN
cjfa-63101	324	8	,	,	PUNCT
cjfa-63101	324	9	a.	a.	NOUN
cjfa-63101	324	10	(	(	PUNCT
cjfa-63101	324	11	2020	2020	NUM
cjfa-63101	324	12	)	)	PUNCT
cjfa-63101	324	13	.	.	PUNCT
cjfa-63101	325	1	financial	financial	ADJ
cjfa-63101	325	2	inclusion	inclusion	NOUN
cjfa-63101	325	3	and	and	CCONJ
cjfa-63101	325	4	bank	bank	NOUN
cjfa-63101	325	5	stability	stability	NOUN
cjfa-63101	325	6	:	:	PUNCT
cjfa-63101	325	7	evidence	evidence	NOUN
cjfa-63101	325	8	from	from	ADP
cjfa-63101	325	9	europe	europe	PROPN
cjfa-63101	325	10	.	.	PUNCT
cjfa-63101	326	1	european	european	PROPN
cjfa-63101	326	2	journal	journal	PROPN
cjfa-63101	326	3	of	of	ADP
cjfa-63101	326	4	finance	finance	NOUN
cjfa-63101	326	5	,	,	PUNCT
cjfa-63101	326	6	26(3	26(3	NUM
cjfa-63101	326	7	)	)	PUNCT
cjfa-63101	326	8	,	,	PUNCT
cjfa-63101	326	9	1–14	1–14	PROPN
cjfa-63101	326	10	.	.	PUNCT
cjfa-63101	326	11	https://doi.org/10.1080/135	https://doi.org/10.1080/135	PROPN
cjfa-63101	326	12	1847x.2020.1782958	1847x.2020.1782958	NUM
cjfa-63101	326	13	.	.	PUNCT
cjfa-63101	327	1	daoud	daoud	PROPN
cjfa-63101	327	2	,	,	PUNCT
cjfa-63101	327	3	j.i	j.i	PROPN
cjfa-63101	327	4	.	.	PROPN
cjfa-63101	327	5	(	(	PUNCT
cjfa-63101	327	6	2017	2017	NUM
cjfa-63101	327	7	)	)	PUNCT
cjfa-63101	327	8	.	.	PUNCT
cjfa-63101	328	1	multicollinearity	multicollinearity	NOUN
cjfa-63101	328	2	and	and	CCONJ
cjfa-63101	328	3	regression	regression	NOUN
cjfa-63101	328	4	analysis	analysis	NOUN
cjfa-63101	328	5	.	.	PUNCT
cjfa-63101	329	1	journal	journal	PROPN
cjfa-63101	329	2	of	of	ADP
cjfa-63101	329	3	physics	physics	PROPN
cjfa-63101	329	4	:	:	PUNCT
cjfa-63101	329	5	conference	conference	NOUN
cjfa-63101	329	6	series	series	NOUN
cjfa-63101	329	7	,	,	PUNCT
cjfa-63101	329	8	949	949	NUM
cjfa-63101	329	9	,	,	PUNCT
cjfa-63101	329	10	012009	012009	NUM
cjfa-63101	329	11	.	.	PUNCT
cjfa-63101	330	1	https://doi.org/10.1088/1742-6596/949/1/012009	https://doi.org/10.1088/1742-6596/949/1/012009	X
cjfa-63101	330	2	.	.	PUNCT
cjfa-63101	330	3	demirgüç	demirgüç	PROPN
cjfa-63101	330	4	-	-	PUNCT
cjfa-63101	330	5	kunt	kunt	PROPN
cjfa-63101	330	6	,	,	PUNCT
cjfa-63101	330	7	a.	a.	PROPN
cjfa-63101	330	8	,	,	PUNCT
cjfa-63101	330	9	&	&	CCONJ
cjfa-63101	330	10	klapper	klapper	PROPN
cjfa-63101	330	11	,	,	PUNCT
cjfa-63101	330	12	l.f	l.f	PROPN
cjfa-63101	330	13	.	.	PROPN
cjfa-63101	330	14	(	(	PUNCT
cjfa-63101	330	15	2012	2012	NUM
cjfa-63101	330	16	)	)	PUNCT
cjfa-63101	330	17	.	.	PUNCT
cjfa-63101	331	1	financial	financial	ADJ
cjfa-63101	331	2	inclusion	inclusion	NOUN
cjfa-63101	331	3	in	in	ADP
cjfa-63101	331	4	africa	africa	PROPN
cjfa-63101	331	5	:	:	PUNCT
cjfa-63101	331	6	an	an	DET
cjfa-63101	331	7	overview	overview	NOUN
cjfa-63101	331	8	.	.	PUNCT
cjfa-63101	332	1	world	world	NOUN
cjfa-63101	332	2	bank	bank	PROPN
cjfa-63101	332	3	policy	policy	NOUN
cjfa-63101	332	4	research	research	NOUN
cjfa-63101	332	5	working	working	NOUN
cjfa-63101	332	6	paper	paper	NOUN
cjfa-63101	332	7	,	,	PUNCT
cjfa-63101	332	8	no	no	INTJ
cjfa-63101	332	9	.	.	NOUN
cjfa-63101	332	10	6088	6088	NUM
cjfa-63101	332	11	,	,	PUNCT
cjfa-63101	332	12	available	available	ADJ
cjfa-63101	332	13	at	at	ADP
cjfa-63101	332	14	ssrn	ssrn	PROPN
cjfa-63101	332	15	:	:	PUNCT
cjfa-63101	332	16	https://	https://	PROPN
cjfa-63101	332	17	ssrn.com/abstract=2084599	ssrn.com/abstract=2084599	PROPN
cjfa-63101	332	18	.	.	PUNCT
cjfa-63101	333	1	djoufouet	djoufouet	PROPN
cjfa-63101	333	2	,	,	PUNCT
cjfa-63101	333	3	w.f	w.f	PROPN
cjfa-63101	333	4	.	.	PROPN
cjfa-63101	333	5	,	,	PUNCT
cjfa-63101	333	6	&	&	CCONJ
cjfa-63101	333	7	pondie	pondie	PROPN
cjfa-63101	333	8	,	,	PUNCT
cjfa-63101	333	9	t.m	t.m	PROPN
cjfa-63101	333	10	.	.	PROPN
cjfa-63101	333	11	(	(	PUNCT
cjfa-63101	333	12	2022	2022	NUM
cjfa-63101	333	13	)	)	PUNCT
cjfa-63101	333	14	.	.	PUNCT
cjfa-63101	334	1	impacts	impact	NOUN
cjfa-63101	334	2	of	of	ADP
cjfa-63101	334	3	fintech	fintech	NOUN
cjfa-63101	334	4	on	on	ADP
cjfa-63101	334	5	fnancial	fnancial	ADJ
cjfa-63101	334	6	inclusion	inclusion	NOUN
cjfa-63101	334	7	:	:	PUNCT
cjfa-63101	334	8	the	the	DET
cjfa-63101	334	9	case	case	NOUN
cjfa-63101	334	10	of	of	ADP
cjfa-63101	334	11	sub	sub	ADJ
cjfa-63101	334	12	-	-	ADJ
cjfa-63101	334	13	saharan	saharan	ADJ
cjfa-63101	334	14	africa	africa	PROPN
cjfa-63101	334	15	.	.	PUNCT
cjfa-63101	335	1	copernican	copernican	PROPN
cjfa-63101	335	2	journal	journal	PROPN
cjfa-63101	335	3	of	of	ADP
cjfa-63101	335	4	finance	finance	PROPN
cjfa-63101	335	5	&	&	CCONJ
cjfa-63101	335	6	accounting	accounting	PROPN
cjfa-63101	335	7	,	,	PUNCT
cjfa-63101	335	8	11(4	11(4	NUM
cjfa-63101	335	9	)	)	PUNCT
cjfa-63101	335	10	,	,	PUNCT
cjfa-63101	335	11	69–88	69–88	NUM
cjfa-63101	335	12	.	.	PUNCT
cjfa-63101	336	1	http://dx.doi.org/10.12775/cjfa.2022.019	http://dx.doi.org/10.12775/cjfa.2022.019	PROPN
cjfa-63101	336	2	.	.	PUNCT
cjfa-63101	337	1	feghali	feghali	PROPN
cjfa-63101	337	2	,	,	PUNCT
cjfa-63101	337	3	k.	k.	PROPN
cjfa-63101	337	4	,	,	PUNCT
cjfa-63101	337	5	mora	mora	PROPN
cjfa-63101	337	6	,	,	PUNCT
cjfa-63101	337	7	n.	n.	NOUN
cjfa-63101	337	8	,	,	PUNCT
cjfa-63101	337	9	&	&	CCONJ
cjfa-63101	337	10	nassif	nassif	NOUN
cjfa-63101	337	11	,	,	PUNCT
cjfa-63101	337	12	p.	p.	NOUN
cjfa-63101	337	13	(	(	PUNCT
cjfa-63101	337	14	2021	2021	NUM
cjfa-63101	337	15	)	)	PUNCT
cjfa-63101	337	16	.	.	PUNCT
cjfa-63101	338	1	financial	financial	ADJ
cjfa-63101	338	2	inclusion	inclusion	NOUN
cjfa-63101	338	3	,	,	PUNCT
cjfa-63101	338	4	bank	bank	NOUN
cjfa-63101	338	5	market	market	NOUN
cjfa-63101	338	6	structure	structure	NOUN
cjfa-63101	338	7	,	,	PUNCT
cjfa-63101	338	8	and	and	CCONJ
cjfa-63101	338	9	financial	financial	ADJ
cjfa-63101	338	10	stability	stability	NOUN
cjfa-63101	338	11	:	:	PUNCT
cjfa-63101	338	12	international	international	ADJ
cjfa-63101	338	13	evidence	evidence	NOUN
cjfa-63101	338	14	.	.	PUNCT
cjfa-63101	339	1	the	the	DET
cjfa-63101	339	2	quarterly	quarterly	ADJ
cjfa-63101	339	3	review	review	NOUN
cjfa-63101	339	4	of	of	ADP
cjfa-63101	339	5	economics	economic	NOUN
cjfa-63101	339	6	and	and	CCONJ
cjfa-63101	339	7	finance	finance	NOUN
cjfa-63101	339	8	,	,	PUNCT
cjfa-63101	339	9	80	80	NUM
cjfa-63101	339	10	,	,	PUNCT
cjfa-63101	339	11	236–257	236–257	NUM
cjfa-63101	339	12	.	.	PUNCT
cjfa-63101	340	1	https://doi.org/10.1016/j.qref.2021.01.007	https://doi.org/10.1016/j.qref.2021.01.007	PROPN
cjfa-63101	340	2	.	.	PROPN
cjfa-63101	340	3	frimpong	frimpong	PROPN
cjfa-63101	340	4	,	,	PUNCT
cjfa-63101	340	5	s.	s.	PROPN
cjfa-63101	340	6	,	,	PUNCT
cjfa-63101	340	7	yusuf	yusuf	PROPN
cjfa-63101	340	8	,	,	PUNCT
cjfa-63101	340	9	m.a	m.a	PROPN
cjfa-63101	340	10	.	.	PROPN
cjfa-63101	340	11	,	,	PUNCT
cjfa-63101	340	12	boateng	boateng	PROPN
cjfa-63101	340	13	,	,	PUNCT
cjfa-63101	340	14	e.	e.	PROPN
cjfa-63101	340	15	,	,	PUNCT
cjfa-63101	340	16	ankomah	ankomah	PROPN
cjfa-63101	340	17	,	,	PUNCT
cjfa-63101	340	18	k.	k.	PROPN
cjfa-63101	340	19	,	,	PUNCT
cjfa-63101	340	20	&	&	CCONJ
cjfa-63101	340	21	abeka	abeka	PROPN
cjfa-63101	340	22	,	,	PUNCT
cjfa-63101	340	23	m.j	m.j	PROPN
cjfa-63101	340	24	.	.	PROPN
cjfa-63101	340	25	(	(	PUNCT
cjfa-63101	340	26	2023	2023	NUM
cjfa-63101	340	27	)	)	PUNCT
cjfa-63101	340	28	.	.	PUNCT
cjfa-63101	341	1	financial	financial	ADJ
cjfa-63101	341	2	inclusion	inclusion	NOUN
cjfa-63101	341	3	,	,	PUNCT
cjfa-63101	341	4	economic	economic	ADJ
cjfa-63101	341	5	freedom	freedom	NOUN
cjfa-63101	341	6	and	and	CCONJ
cjfa-63101	341	7	financial	financial	ADJ
cjfa-63101	341	8	stability	stability	NOUN
cjfa-63101	341	9	in	in	ADP
cjfa-63101	341	10	sub	sub	ADJ
cjfa-63101	341	11	-	-	ADJ
cjfa-63101	341	12	saharan	saharan	ADJ
cjfa-63101	341	13	africa	africa	PROPN
cjfa-63101	341	14	.	.	PUNCT
cjfa-63101	342	1	thunderbird	thunderbird	PROPN
cjfa-63101	342	2	international	international	PROPN
cjfa-63101	342	3	business	business	PROPN
cjfa-63101	342	4	review	review	PROPN
cjfa-63101	342	5	,	,	PUNCT
cjfa-63101	342	6	65(4	65(4	PROPN
cjfa-63101	342	7	)	)	PUNCT
cjfa-63101	342	8	,	,	PUNCT
cjfa-63101	342	9	429–441	429–441	NUM
cjfa-63101	342	10	.	.	PUNCT
cjfa-63101	343	1	https://doi.org/10.1002/	https://doi.org/10.1002/	PROPN
cjfa-63101	343	2	tie.22341	tie.22341	PROPN
cjfa-63101	343	3	.	.	PUNCT
cjfa-63101	344	1	ibrahim	ibrahim	PROPN
cjfa-63101	344	2	,	,	PUNCT
cjfa-63101	344	3	s.	s.	PROPN
cjfa-63101	344	4	,	,	PUNCT
cjfa-63101	344	5	mazlina	mazlina	PROPN
cjfa-63101	344	6	,	,	PUNCT
cjfa-63101	344	7	a.r	a.r	PROPN
cjfa-63101	344	8	.	.	PROPN
cjfa-63101	344	9	,	,	PUNCT
cjfa-63101	344	10	azman	azman	PROPN
cjfa-63101	344	11	-	-	PUNCT
cjfa-63101	344	12	saini	saini	PROPN
cjfa-63101	344	13	,	,	PUNCT
cjfa-63101	344	14	w.n.w	w.n.w	NOUN
cjfa-63101	344	15	.	.	PROPN
cjfa-63101	344	16	,	,	PUNCT
cjfa-63101	344	17	&	&	CCONJ
cjfa-63101	344	18	zakaria	zakaria	PROPN
cjfa-63101	344	19	,	,	PUNCT
cjfa-63101	344	20	m.f.m	m.f.m	NOUN
cjfa-63101	344	21	.	.	PUNCT
cjfa-63101	344	22	(	(	PUNCT
cjfa-63101	344	23	2016	2016	NUM
cjfa-63101	344	24	)	)	PUNCT
cjfa-63101	344	25	.	.	PUNCT
cjfa-63101	345	1	financial	financial	ADJ
cjfa-63101	345	2	integration	integration	NOUN
cjfa-63101	345	3	–	–	PUNCT
cjfa-63101	345	4	growth	growth	NOUN
cjfa-63101	345	5	nexus	nexus	NOUN
cjfa-63101	345	6	:	:	PUNCT
cjfa-63101	345	7	a	a	DET
cjfa-63101	345	8	quantile	quantile	ADJ
cjfa-63101	345	9	regression	regression	NOUN
cjfa-63101	345	10	analysis	analysis	NOUN
cjfa-63101	345	11	.	.	PUNCT
cjfa-63101	346	1	the	the	DET
cjfa-63101	346	2	journal	journal	NOUN
cjfa-63101	346	3	of	of	ADP
cjfa-63101	346	4	economic	economic	ADJ
cjfa-63101	346	5	integration	integration	NOUN
cjfa-63101	346	6	,	,	PUNCT
cjfa-63101	346	7	31(3	31(3	NUM
cjfa-63101	346	8	)	)	PUNCT
cjfa-63101	346	9	,	,	PUNCT
cjfa-63101	346	10	531–546	531–546	NUM
cjfa-63101	346	11	.	.	PUNCT
cjfa-63101	347	1	https://doi.org/10.11130/jei.2016.31.3.531	https://doi.org/10.11130/jei.2016.31.3.531	PROPN
cjfa-63101	347	2	.	.	PROPN
cjfa-63101	347	3	https://doi.org/10.3390/economies7030081	https://doi.org/10.3390/economies7030081	PROPN
cjfa-63101	347	4	https://doi.org/10.3390/economies7030081	https://doi.org/10.3390/economies7030081	PROPN
cjfa-63101	347	5	http://dx.doi.org/10.12775/cjfa.2024.006	http://dx.doi.org/10.12775/cjfa.2024.006	NOUN
cjfa-63101	347	6	https://doi.org/10.1007/978-3-030-46482-0_8	https://doi.org/10.1007/978-3-030-46482-0_8	X
cjfa-63101	347	7	https://doi.org/10.1088/1742-6596/949/1/012009	https://doi.org/10.1088/1742-6596/949/1/012009	NOUN
cjfa-63101	347	8	http://dx.doi.org/10.12775/cjfa.2022.019	http://dx.doi.org/10.12775/cjfa.2022.019	X
cjfa-63101	347	9	philomina	philomina	VERB
cjfa-63101	347	10	maku	maku	PROPN
cjfa-63101	347	11	narh	narh	PROPN
cjfa-63101	347	12	,	,	PUNCT
cjfa-63101	347	13	collins	collins	PROPN
cjfa-63101	347	14	dodzi	dodzi	PROPN
cjfa-63101	347	15	dzitse6868	dzitse6868	PROPN
cjfa-63101	347	16	kamal	kamal	PROPN
cjfa-63101	347	17	,	,	PUNCT
cjfa-63101	347	18	a.	a.	PROPN
cjfa-63101	347	19	,	,	PUNCT
cjfa-63101	347	20	hussain	hussain	PROPN
cjfa-63101	347	21	,	,	PUNCT
cjfa-63101	347	22	t.	t.	PROPN
cjfa-63101	347	23	,	,	PUNCT
cjfa-63101	347	24	&	&	CCONJ
cjfa-63101	347	25	khan	khan	PROPN
cjfa-63101	347	26	,	,	PUNCT
cjfa-63101	347	27	m.m.s	m.m.s	PROPN
cjfa-63101	347	28	.	.	PUNCT
cjfa-63101	348	1	(	(	PUNCT
cjfa-63101	348	2	2021	2021	NUM
cjfa-63101	348	3	)	)	PUNCT
cjfa-63101	348	4	.	.	PUNCT
cjfa-63101	349	1	impact	impact	NOUN
cjfa-63101	349	2	of	of	ADP
cjfa-63101	349	3	financial	financial	ADJ
cjfa-63101	349	4	inclusion	inclusion	NOUN
cjfa-63101	349	5	and	and	CCONJ
cjfa-63101	349	6	financial	financial	ADJ
cjfa-63101	349	7	stability	stability	NOUN
cjfa-63101	349	8	:	:	PUNCT
cjfa-63101	349	9	empirical	empirical	ADJ
cjfa-63101	349	10	and	and	CCONJ
cjfa-63101	349	11	theoretical	theoretical	ADJ
cjfa-63101	349	12	review	review	NOUN
cjfa-63101	349	13	.	.	PUNCT
cjfa-63101	350	1	liberal	liberal	ADJ
cjfa-63101	350	2	arts	art	NOUN
cjfa-63101	350	3	and	and	CCONJ
cjfa-63101	350	4	social	social	ADJ
cjfa-63101	350	5	sciences	sciences	PROPN
cjfa-63101	350	6	international	international	ADJ
cjfa-63101	350	7	journal	journal	PROPN
cjfa-63101	350	8	(	(	PUNCT
cjfa-63101	350	9	lassij	lassij	PROPN
cjfa-63101	350	10	)	)	PUNCT
cjfa-63101	350	11	,	,	PUNCT
cjfa-63101	350	12	5(1	5(1	NUM
cjfa-63101	350	13	)	)	PUNCT
cjfa-63101	350	14	,	,	PUNCT
cjfa-63101	350	15	510–524	510–524	NUM
cjfa-63101	350	16	.	.	PUNCT
cjfa-63101	351	1	https://doi.org/10.47264/	https://doi.org/10.47264/	PROPN
cjfa-63101	351	2	idea.lassij/5.1.33	idea.lassij/5.1.33	PROPN
cjfa-63101	351	3	.	.	PROPN
cjfa-63101	351	4	kamara	kamara	PROPN
cjfa-63101	351	5	,	,	PUNCT
cjfa-63101	351	6	a.k	a.k	PROPN
cjfa-63101	351	7	.	.	PROPN
cjfa-63101	351	8	(	(	PUNCT
cjfa-63101	351	9	2024	2024	NUM
cjfa-63101	351	10	)	)	PUNCT
cjfa-63101	351	11	.	.	PUNCT
cjfa-63101	352	1	the	the	DET
cjfa-63101	352	2	impact	impact	NOUN
cjfa-63101	352	3	of	of	ADP
cjfa-63101	352	4	financial	financial	ADJ
cjfa-63101	352	5	inclusion	inclusion	NOUN
cjfa-63101	352	6	on	on	ADP
cjfa-63101	352	7	economic	economic	ADJ
cjfa-63101	352	8	growth	growth	NOUN
cjfa-63101	352	9	and	and	CCONJ
cjfa-63101	352	10	poverty	poverty	NOUN
cjfa-63101	352	11	reduction	reduction	NOUN
cjfa-63101	352	12	:	:	PUNCT
cjfa-63101	352	13	empirical	empirical	ADJ
cjfa-63101	352	14	evidence	evidence	NOUN
cjfa-63101	352	15	from	from	ADP
cjfa-63101	352	16	sub	sub	ADJ
cjfa-63101	352	17	-	-	ADJ
cjfa-63101	352	18	saharan	saharan	ADJ
cjfa-63101	352	19	africa	africa	PROPN
cjfa-63101	352	20	.	.	PUNCT
cjfa-63101	353	1	international	international	ADJ
cjfa-63101	353	2	journal	journal	PROPN
cjfa-63101	353	3	of	of	ADP
cjfa-63101	353	4	science	science	NOUN
cjfa-63101	353	5	and	and	CCONJ
cjfa-63101	353	6	business	business	NOUN
cjfa-63101	353	7	,	,	PUNCT
cjfa-63101	353	8	32(1	32(1	NUM
cjfa-63101	353	9	)	)	PUNCT
cjfa-63101	353	10	,	,	PUNCT
cjfa-63101	353	11	16–33	16–33	NUM
cjfa-63101	353	12	.	.	PUNCT
cjfa-63101	354	1	https://doi.org/10.58970/ijsb.2292	https://doi.org/10.58970/ijsb.2292	PROPN
cjfa-63101	354	2	.	.	PUNCT
cjfa-63101	354	3	koenker	koenker	PROPN
cjfa-63101	354	4	,	,	PUNCT
cjfa-63101	354	5	r.	r.	PROPN
cjfa-63101	354	6	&	&	CCONJ
cjfa-63101	354	7	hallock	hallock	PROPN
cjfa-63101	354	8	,	,	PUNCT
cjfa-63101	354	9	k.	k.	PROPN
cjfa-63101	354	10	(	(	PUNCT
cjfa-63101	354	11	2001	2001	NUM
cjfa-63101	354	12	)	)	PUNCT
cjfa-63101	354	13	.	.	PUNCT
cjfa-63101	355	1	quantile	quantile	ADJ
cjfa-63101	355	2	regression	regression	NOUN
cjfa-63101	355	3	.	.	PUNCT
cjfa-63101	356	1	journal	journal	NOUN
cjfa-63101	356	2	of	of	ADP
cjfa-63101	356	3	economic	economic	ADJ
cjfa-63101	356	4	perspectives	perspective	NOUN
cjfa-63101	356	5	,	,	PUNCT
cjfa-63101	356	6	15	15	NUM
cjfa-63101	356	7	,	,	PUNCT
cjfa-63101	356	8	143–156	143–156	NUM
cjfa-63101	356	9	.	.	PUNCT
cjfa-63101	357	1	http://dx.doi.org/10.1257/jep.15.4.143	http://dx.doi.org/10.1257/jep.15.4.143	NOUN
cjfa-63101	357	2	.	.	PUNCT
cjfa-63101	358	1	koenker	koenker	PROPN
cjfa-63101	358	2	,	,	PUNCT
cjfa-63101	358	3	r.	r.	PROPN
cjfa-63101	358	4	,	,	PUNCT
cjfa-63101	358	5	&	&	CCONJ
cjfa-63101	358	6	bassett	bassett	PROPN
cjfa-63101	358	7	,	,	PUNCT
cjfa-63101	358	8	g.j	g.j	PROPN
cjfa-63101	358	9	.	.	PROPN
cjfa-63101	358	10	(	(	PUNCT
cjfa-63101	358	11	1978	1978	NUM
cjfa-63101	358	12	)	)	PUNCT
cjfa-63101	358	13	.	.	PUNCT
cjfa-63101	359	1	regression	regression	NOUN
cjfa-63101	359	2	quantiles	quantile	NOUN
cjfa-63101	359	3	.	.	PUNCT
cjfa-63101	360	1	econometrica	econometrica	PROPN
cjfa-63101	360	2	,	,	PUNCT
cjfa-63101	360	3	46(1	46(1	PROPN
cjfa-63101	360	4	)	)	PUNCT
cjfa-63101	360	5	,	,	PUNCT
cjfa-63101	360	6	33–50	33–50	NUM
cjfa-63101	360	7	.	.	PUNCT
cjfa-63101	361	1	https://doi.org/10.2307/1913643	https://doi.org/10.2307/1913643	PROPN
cjfa-63101	361	2	.	.	PUNCT
cjfa-63101	362	1	koudalo	koudalo	NOUN
cjfa-63101	362	2	,	,	PUNCT
cjfa-63101	362	3	y.m.a	y.m.a	NOUN
cjfa-63101	362	4	.	.	PROPN
cjfa-63101	362	5	,	,	PUNCT
cjfa-63101	362	6	&	&	CCONJ
cjfa-63101	362	7	toure	toure	NOUN
cjfa-63101	362	8	,	,	PUNCT
cjfa-63101	362	9	m.	m.	NOUN
cjfa-63101	362	10	(	(	PUNCT
cjfa-63101	362	11	2023	2023	NUM
cjfa-63101	362	12	)	)	PUNCT
cjfa-63101	362	13	.	.	PUNCT
cjfa-63101	363	1	does	do	AUX
cjfa-63101	363	2	financial	financial	ADJ
cjfa-63101	363	3	inclusion	inclusion	NOUN
cjfa-63101	363	4	promote	promote	VERB
cjfa-63101	363	5	financial	financial	ADJ
cjfa-63101	363	6	stability	stability	NOUN
cjfa-63101	363	7	?	?	PUNCT
cjfa-63101	364	1	evidence	evidence	NOUN
cjfa-63101	364	2	from	from	ADP
cjfa-63101	364	3	africa	africa	PROPN
cjfa-63101	364	4	.	.	PUNCT
cjfa-63101	365	1	cogent	cogent	NOUN
cjfa-63101	365	2	economics	economics	PROPN
cjfa-63101	365	3	&	&	CCONJ
cjfa-63101	365	4	finance	finance	PROPN
cjfa-63101	365	5	,	,	PUNCT
cjfa-63101	365	6	11	11	NUM
cjfa-63101	365	7	(	(	PUNCT
cjfa-63101	365	8	2	2	NUM
cjfa-63101	365	9	)	)	PUNCT
cjfa-63101	365	10	,	,	PUNCT
cjfa-63101	365	11	2225327	2225327	NUM
cjfa-63101	365	12	.	.	PUNCT
cjfa-63101	366	1	https://doi.org/10.1080/23322039.2023.2225327	https://doi.org/10.1080/23322039.2023.2225327	PROPN
cjfa-63101	366	2	.	.	PUNCT
cjfa-63101	367	1	le	le	PROPN
cjfa-63101	367	2	,	,	PUNCT
cjfa-63101	367	3	t.h	t.h	PROPN
cjfa-63101	367	4	.	.	PROPN
cjfa-63101	367	5	,	,	PUNCT
cjfa-63101	367	6	chuc	chuc	PROPN
cjfa-63101	367	7	,	,	PUNCT
cjfa-63101	367	8	a.t	a.t	PROPN
cjfa-63101	367	9	.	.	PROPN
cjfa-63101	367	10	,	,	PUNCT
cjfa-63101	367	11	&	&	CCONJ
cjfa-63101	367	12	taghizadeh	taghizadeh	NOUN
cjfa-63101	367	13	-	-	PUNCT
cjfa-63101	367	14	hesary	hesary	PROPN
cjfa-63101	367	15	,	,	PUNCT
cjfa-63101	367	16	f.	f.	PROPN
cjfa-63101	367	17	(	(	PUNCT
cjfa-63101	367	18	2019	2019	NUM
cjfa-63101	367	19	)	)	PUNCT
cjfa-63101	367	20	.	.	PUNCT
cjfa-63101	368	1	financial	financial	ADJ
cjfa-63101	368	2	inclusion	inclusion	NOUN
cjfa-63101	368	3	and	and	CCONJ
cjfa-63101	368	4	its	its	PRON
cjfa-63101	368	5	impact	impact	NOUN
cjfa-63101	368	6	on	on	ADP
cjfa-63101	368	7	financial	financial	ADJ
cjfa-63101	368	8	efficiency	efficiency	NOUN
cjfa-63101	368	9	and	and	CCONJ
cjfa-63101	368	10	sustainability	sustainability	NOUN
cjfa-63101	368	11	:	:	PUNCT
cjfa-63101	368	12	empirical	empirical	ADJ
cjfa-63101	368	13	evidence	evidence	NOUN
cjfa-63101	368	14	from	from	ADP
cjfa-63101	368	15	asia	asia	PROPN
cjfa-63101	368	16	.	.	PUNCT
cjfa-63101	369	1	borsa	borsa	PROPN
cjfa-63101	369	2	istanbul	istanbul	PROPN
cjfa-63101	369	3	review	review	PROPN
cjfa-63101	369	4	,	,	PUNCT
cjfa-63101	369	5	19(4	19(4	PROPN
cjfa-63101	369	6	)	)	PUNCT
cjfa-63101	369	7	,	,	PUNCT
cjfa-63101	369	8	310–322	310–322	PROPN
cjfa-63101	369	9	.	.	PUNCT
cjfa-63101	370	1	https://doi.org/10.1016/j.bir.2019.07.002	https://doi.org/10.1016/j.bir.2019.07.002	PROPN
cjfa-63101	370	2	.	.	PUNCT
cjfa-63101	371	1	moeti	moeti	PROPN
cjfa-63101	371	2	,	,	PUNCT
cjfa-63101	371	3	d.	d.	PROPN
cjfa-63101	371	4	,	,	PUNCT
cjfa-63101	371	5	&	&	CCONJ
cjfa-63101	371	6	sin	sin	PROPN
cjfa-63101	371	7	-	-	PUNCT
cjfa-63101	371	8	yu	yu	PROPN
cjfa-63101	371	9	,	,	PUNCT
cjfa-63101	371	10	h.	h.	PROPN
cjfa-63101	371	11	(	(	PUNCT
cjfa-63101	371	12	2024	2024	NUM
cjfa-63101	371	13	)	)	PUNCT
cjfa-63101	371	14	.	.	PUNCT
cjfa-63101	372	1	effects	effect	NOUN
cjfa-63101	372	2	of	of	ADP
cjfa-63101	372	3	financial	financial	ADJ
cjfa-63101	372	4	inclusion	inclusion	NOUN
cjfa-63101	372	5	on	on	ADP
cjfa-63101	372	6	financial	financial	ADJ
cjfa-63101	372	7	stability	stability	NOUN
cjfa-63101	372	8	:	:	PUNCT
cjfa-63101	372	9	evidence	evidence	NOUN
cjfa-63101	372	10	from	from	ADP
cjfa-63101	372	11	ssa	ssa	PROPN
cjfa-63101	372	12	countries	country	NOUN
cjfa-63101	372	13	.	.	PUNCT
cjfa-63101	373	1	munich	munich	PROPN
cjfa-63101	373	2	personal	personal	PROPN
cjfa-63101	373	3	repec	repec	PROPN
cjfa-63101	373	4	archive	archive	PROPN
cjfa-63101	373	5	(	(	PUNCT
cjfa-63101	373	6	mpra	mpra	PROPN
cjfa-63101	373	7	)	)	PUNCT
cjfa-63101	373	8	,	,	PUNCT
cjfa-63101	373	9	paper	paper	NOUN
cjfa-63101	373	10	no	no	NOUN
cjfa-63101	373	11	.	.	PROPN
cjfa-63101	373	12	120238	120238	NUM
cjfa-63101	373	13	.	.	PUNCT
cjfa-63101	374	1	neaime	neaime	PROPN
cjfa-63101	374	2	,	,	PUNCT
cjfa-63101	374	3	s.	s.	PROPN
cjfa-63101	374	4	,	,	PUNCT
cjfa-63101	374	5	&	&	CCONJ
cjfa-63101	374	6	gaysset	gaysset	PROPN
cjfa-63101	374	7	,	,	PUNCT
cjfa-63101	374	8	i.	i.	PROPN
cjfa-63101	374	9	(	(	PUNCT
cjfa-63101	374	10	2018	2018	NUM
cjfa-63101	374	11	)	)	PUNCT
cjfa-63101	374	12	.	.	PUNCT
cjfa-63101	375	1	financial	financial	ADJ
cjfa-63101	375	2	inclusion	inclusion	NOUN
cjfa-63101	375	3	and	and	CCONJ
cjfa-63101	375	4	stability	stability	NOUN
cjfa-63101	375	5	in	in	ADP
cjfa-63101	375	6	mena	mena	PROPN
cjfa-63101	375	7	:	:	PUNCT
cjfa-63101	375	8	evidence	evidence	NOUN
cjfa-63101	375	9	from	from	ADP
cjfa-63101	375	10	poverty	poverty	NOUN
cjfa-63101	375	11	and	and	CCONJ
cjfa-63101	375	12	inequality	inequality	NOUN
cjfa-63101	375	13	.	.	PUNCT
cjfa-63101	376	1	finance	finance	NOUN
cjfa-63101	376	2	research	research	NOUN
cjfa-63101	376	3	letters	letter	NOUN
cjfa-63101	376	4	,	,	PUNCT
cjfa-63101	376	5	24	24	NUM
cjfa-63101	376	6	,	,	PUNCT
cjfa-63101	376	7	230–237	230–237	NUM
cjfa-63101	376	8	.	.	PUNCT
cjfa-63101	377	1	https://doi	https://doi	X
cjfa-63101	377	2	.	.	PUNCT
cjfa-63101	378	1	org/10.1016	org/10.1016	PROPN
cjfa-63101	378	2	/	/	SYM
cjfa-63101	378	3	j.frl.2017.09.007	j.frl.2017.09.007	PROPN
cjfa-63101	378	4	.	.	PUNCT
cjfa-63101	379	1	olusegun	olusegun	PROPN
cjfa-63101	379	2	,	,	PUNCT
cjfa-63101	379	3	t.s	t.s	PROPN
cjfa-63101	379	4	.	.	PROPN
cjfa-63101	379	5	,	,	PUNCT
cjfa-63101	379	6	evbuomwan	evbuomwan	PROPN
cjfa-63101	379	7	,	,	PUNCT
cjfa-63101	379	8	o.	o.	PROPN
cjfa-63101	379	9	,	,	PUNCT
cjfa-63101	379	10	&	&	CCONJ
cjfa-63101	379	11	belonwu	belonwu	PROPN
cjfa-63101	379	12	,	,	PUNCT
cjfa-63101	379	13	m.c	m.c	PROPN
cjfa-63101	379	14	.	.	PROPN
cjfa-63101	379	15	(	(	PUNCT
cjfa-63101	379	16	2021	2021	NUM
cjfa-63101	379	17	)	)	PUNCT
cjfa-63101	379	18	.	.	PUNCT
cjfa-63101	380	1	does	do	AUX
cjfa-63101	380	2	financial	financial	ADJ
cjfa-63101	380	3	inclusion	inclusion	NOUN
cjfa-63101	380	4	promote	promote	VERB
cjfa-63101	380	5	financial	financial	ADJ
cjfa-63101	380	6	stability	stability	NOUN
cjfa-63101	380	7	in	in	ADP
cjfa-63101	380	8	nigeria	nigeria	PROPN
cjfa-63101	380	9	?	?	PUNCT
cjfa-63101	381	1	economic	economic	ADJ
cjfa-63101	381	2	and	and	CCONJ
cjfa-63101	381	3	financial	financial	ADJ
cjfa-63101	381	4	review	review	NOUN
cjfa-63101	381	5	,	,	PUNCT
cjfa-63101	381	6	59(1	59(1	NUM
cjfa-63101	381	7	)	)	PUNCT
cjfa-63101	381	8	,	,	PUNCT
cjfa-63101	381	9	77–99	77–99	NUM
cjfa-63101	381	10	.	.	PUNCT
cjfa-63101	382	1	pesaran	pesaran	PROPN
cjfa-63101	382	2	,	,	PUNCT
cjfa-63101	382	3	m.h	m.h	PROPN
cjfa-63101	382	4	.	.	PROPN
cjfa-63101	382	5	,	,	PUNCT
cjfa-63101	382	6	shin	shin	PROPN
cjfa-63101	382	7	,	,	PUNCT
cjfa-63101	382	8	y.	y.	PROPN
cjfa-63101	382	9	,	,	PUNCT
cjfa-63101	382	10	&	&	CCONJ
cjfa-63101	382	11	smith	smith	PROPN
cjfa-63101	382	12	,	,	PUNCT
cjfa-63101	382	13	r.	r.	PROPN
cjfa-63101	382	14	(	(	PUNCT
cjfa-63101	382	15	2001	2001	NUM
cjfa-63101	382	16	)	)	PUNCT
cjfa-63101	382	17	.	.	PUNCT
cjfa-63101	383	1	bounds	bound	VERB
cjfa-63101	383	2	testing	test	VERB
cjfa-63101	383	3	approaches	approach	NOUN
cjfa-63101	383	4	to	to	ADP
cjfa-63101	383	5	the	the	DET
cjfa-63101	383	6	analysis	analysis	NOUN
cjfa-63101	383	7	of	of	ADP
cjfa-63101	383	8	level	level	NOUN
cjfa-63101	383	9	relationships	relationship	NOUN
cjfa-63101	383	10	.	.	PUNCT
cjfa-63101	384	1	journal	journal	NOUN
cjfa-63101	384	2	of	of	ADP
cjfa-63101	384	3	applied	applied	ADJ
cjfa-63101	384	4	econometrics	econometric	NOUN
cjfa-63101	384	5	,	,	PUNCT
cjfa-63101	384	6	16(3	16(3	NOUN
cjfa-63101	384	7	)	)	PUNCT
cjfa-63101	384	8	,	,	PUNCT
cjfa-63101	384	9	289–326	289–326	NUM
cjfa-63101	384	10	.	.	PUNCT
cjfa-63101	385	1	https://doi	https://doi	PROPN
cjfa-63101	385	2	.	.	PUNCT
cjfa-63101	385	3	org/10.1002	org/10.1002	PROPN
cjfa-63101	385	4	/	/	SYM
cjfa-63101	385	5	jae.616	jae.616	PROPN
cjfa-63101	385	6	.	.	PUNCT
cjfa-63101	386	1	sackitey	sackitey	PROPN
cjfa-63101	386	2	,	,	PUNCT
cjfa-63101	386	3	d.	d.	PROPN
cjfa-63101	386	4	(	(	PUNCT
cjfa-63101	386	5	2024	2024	NUM
cjfa-63101	386	6	)	)	PUNCT
cjfa-63101	386	7	.	.	PUNCT
cjfa-63101	387	1	52.76	52.76	NUM
cjfa-63101	387	2	%	%	NOUN
cjfa-63101	387	3	of	of	ADP
cjfa-63101	387	4	ghanaians	ghanaians	PROPN
cjfa-63101	387	5	multidimensionally	multidimensionally	ADV
cjfa-63101	387	6	financially	financially	ADV
cjfa-63101	387	7	included	include	VERB
cjfa-63101	387	8	–	–	PUNCT
cjfa-63101	387	9	report	report	NOUN
cjfa-63101	387	10	,	,	PUNCT
cjfa-63101	387	11	https://citinewsroom.com/2024/06/52-76-of-ghanaians-multidimensionally-financially-included-report/	https://citinewsroom.com/2024/06/52-76-of-ghanaians-multidimensionally-financially-included-report/	PROPN
cjfa-63101	387	12	?	?	PUNCT
cjfa-63101	388	1	(	(	PUNCT
cjfa-63101	388	2	accessed	access	VERB
cjfa-63101	388	3	:	:	PUNCT
cjfa-63101	388	4	14.11.2024	14.11.2024	NUM
cjfa-63101	388	5	)	)	PUNCT
cjfa-63101	388	6	.	.	PUNCT
cjfa-63101	389	1	saunders	saunder	NOUN
cjfa-63101	389	2	,	,	PUNCT
cjfa-63101	389	3	m.	m.	NOUN
cjfa-63101	389	4	,	,	PUNCT
cjfa-63101	389	5	lewis	lewis	PROPN
cjfa-63101	389	6	,	,	PUNCT
cjfa-63101	389	7	p.	p.	PROPN
cjfa-63101	389	8	,	,	PUNCT
cjfa-63101	389	9	&	&	CCONJ
cjfa-63101	389	10	thornhill	thornhill	PROPN
cjfa-63101	389	11	,	,	PUNCT
cjfa-63101	389	12	a.	a.	NOUN
cjfa-63101	389	13	(	(	PUNCT
cjfa-63101	389	14	2012	2012	NUM
cjfa-63101	389	15	)	)	PUNCT
cjfa-63101	389	16	.	.	PUNCT
cjfa-63101	390	1	research	research	NOUN
cjfa-63101	390	2	methods	method	NOUN
cjfa-63101	390	3	for	for	ADP
cjfa-63101	390	4	business	business	NOUN
cjfa-63101	390	5	students	student	NOUN
cjfa-63101	390	6	.	.	PUNCT
cjfa-63101	391	1	harlow	harlow	PROPN
cjfa-63101	391	2	:	:	PUNCT
cjfa-63101	391	3	pearson	pearson	PROPN
cjfa-63101	391	4	education	education	PROPN
cjfa-63101	391	5	ltd	ltd	PROPN
cjfa-63101	391	6	.	.	PROPN
cjfa-63101	391	7	vo	vo	PROPN
cjfa-63101	391	8	,	,	PUNCT
cjfa-63101	391	9	d.h	d.h	PROPN
cjfa-63101	391	10	.	.	PROPN
cjfa-63101	391	11	,	,	PUNCT
cjfa-63101	391	12	van	van	PROPN
cjfa-63101	391	13	,	,	PUNCT
cjfa-63101	391	14	l.t.h	l.t.h	PROPN
cjfa-63101	391	15	.	.	PROPN
cjfa-63101	391	16	,	,	PUNCT
cjfa-63101	391	17	dinh	dinh	PROPN
cjfa-63101	391	18	,	,	PUNCT
cjfa-63101	391	19	l.t.h	l.t.h	NOUN
cjfa-63101	391	20	.	.	PROPN
cjfa-63101	391	21	,	,	PUNCT
cjfa-63101	391	22	&	&	CCONJ
cjfa-63101	391	23	ho	ho	PROPN
cjfa-63101	391	24	,	,	PUNCT
cjfa-63101	391	25	c.m	c.m	PROPN
cjfa-63101	391	26	.	.	PROPN
cjfa-63101	391	27	(	(	PUNCT
cjfa-63101	391	28	2020	2020	NUM
cjfa-63101	391	29	)	)	PUNCT
cjfa-63101	391	30	.	.	PUNCT
cjfa-63101	392	1	financial	financial	ADJ
cjfa-63101	392	2	inclusion	inclusion	NOUN
cjfa-63101	392	3	,	,	PUNCT
cjfa-63101	392	4	corporate	corporate	ADJ
cjfa-63101	392	5	social	social	ADJ
cjfa-63101	392	6	responsibility	responsibility	NOUN
cjfa-63101	392	7	and	and	CCONJ
cjfa-63101	392	8	customer	customer	NOUN
cjfa-63101	392	9	loyalty	loyalty	NOUN
cjfa-63101	392	10	in	in	ADP
cjfa-63101	392	11	the	the	DET
cjfa-63101	392	12	banking	banking	NOUN
cjfa-63101	392	13	sector	sector	NOUN
cjfa-63101	392	14	in	in	ADP
cjfa-63101	392	15	vietnam	vietnam	PROPN
cjfa-63101	392	16	.	.	PUNCT
cjfa-63101	393	1	journal	journal	PROPN
cjfa-63101	393	2	of	of	ADP
cjfa-63101	393	3	international	international	ADJ
cjfa-63101	393	4	studies	study	NOUN
cjfa-63101	393	5	,	,	PUNCT
cjfa-63101	393	6	13(4	13(4	NUM
cjfa-63101	393	7	)	)	PUNCT
cjfa-63101	393	8	,	,	PUNCT
cjfa-63101	393	9	9–23	9–23	PROPN
cjfa-63101	393	10	.	.	PUNCT
cjfa-63101	394	1	https://doi.org/10.14254/2071-8330.2020/13-4/1	https://doi.org/10.14254/2071-8330.2020/13-4/1	ADJ
cjfa-63101	394	2	.	.	PUNCT
cjfa-63101	395	1	world	world	PROPN
cjfa-63101	395	2	bank	bank	PROPN
cjfa-63101	395	3	.	.	PUNCT
cjfa-63101	396	1	(	(	PUNCT
cjfa-63101	396	2	2021	2021	NUM
cjfa-63101	396	3	)	)	PUNCT
cjfa-63101	396	4	.	.	PUNCT
cjfa-63101	397	1	progress	progress	NOUN
cjfa-63101	397	2	and	and	CCONJ
cjfa-63101	397	3	obstacles	obstacle	NOUN
cjfa-63101	397	4	:	:	PUNCT
cjfa-63101	397	5	financial	financial	ADJ
cjfa-63101	397	6	inclusion	inclusion	NOUN
cjfa-63101	397	7	in	in	ADP
cjfa-63101	397	8	africa	africa	PROPN
cjfa-63101	397	9	.	.	PUNCT
cjfa-63101	398	1	world	world	PROPN
cjfa-63101	398	2	bank	bank	PROPN
cjfa-63101	398	3	group	group	NOUN
cjfa-63101	398	4	.	.	PUNCT
cjfa-63101	399	1	https://thedocs.worldbank.org/en/doc/d6a96c32453175806ed5633e924db6de-0050062025/original/ssa-progress-and-obstacles-note.pdf	https://thedocs.worldbank.org/en/doc/d6a96c32453175806ed5633e924db6de-0050062025/original/ssa-progress-and-obstacles-note.pdf	PROPN
cjfa-63101	399	2	.	.	PUNCT
cjfa-63101	400	1	(	(	PUNCT
cjfa-63101	400	2	accessed	access	VERB
cjfa-63101	400	3	06.01	06.01	NUM
cjfa-63101	400	4	.	.	PUNCT
cjfa-63101	400	5	2025	2025	NUM
cjfa-63101	400	6	)	)	PUNCT
cjfa-63101	400	7	.	.	PUNCT
cjfa-63101	401	1	yangdol	yangdol	PROPN
cjfa-63101	401	2	,	,	PUNCT
cjfa-63101	401	3	r.	r.	PROPN
cjfa-63101	401	4	,	,	PUNCT
cjfa-63101	401	5	&	&	CCONJ
cjfa-63101	401	6	sarma	sarma	PROPN
cjfa-63101	401	7	,	,	PUNCT
cjfa-63101	401	8	m.	m.	NOUN
cjfa-63101	401	9	(	(	PUNCT
cjfa-63101	401	10	2019	2019	NUM
cjfa-63101	401	11	)	)	PUNCT
cjfa-63101	401	12	.	.	PUNCT
cjfa-63101	402	1	demand	demand	NOUN
cjfa-63101	402	2	-	-	PUNCT
cjfa-63101	402	3	side	side	NOUN
cjfa-63101	402	4	factors	factor	NOUN
cjfa-63101	402	5	for	for	ADP
cjfa-63101	402	6	financial	financial	ADJ
cjfa-63101	402	7	inclusion	inclusion	NOUN
cjfa-63101	402	8	:	:	PUNCT
cjfa-63101	402	9	a	a	DET
cjfa-63101	402	10	crosscountry	crosscountry	PROPN
cjfa-63101	402	11	empirical	empirical	ADJ
cjfa-63101	402	12	analysis	analysis	NOUN
cjfa-63101	402	13	.	.	PUNCT
cjfa-63101	403	1	international	international	ADJ
cjfa-63101	403	2	studies	study	NOUN
cjfa-63101	403	3	,	,	PUNCT
cjfa-63101	403	4	56(2–3	56(2–3	PROPN
cjfa-63101	403	5	)	)	PUNCT
cjfa-63101	403	6	,	,	PUNCT
cjfa-63101	403	7	163–185	163–185	NUM
cjfa-63101	403	8	.	.	PUNCT
cjfa-63101	404	1	https://doi	https://doi	PROPN
cjfa-63101	404	2	.	.	PUNCT
cjfa-63101	404	3	org/10.1177/0020881719849246	org/10.1177/0020881719849246	PROPN
cjfa-63101	404	4	.	.	PUNCT
cjfa-63101	405	1	http://dx.doi.org/10.1257/jep.15.4.143	http://dx.doi.org/10.1257/jep.15.4.143	PROPN
cjfa-63101	405	2	https://doi.org/10.1016/j.bir.2019.07.002	https://doi.org/10.1016/j.bir.2019.07.002	PROPN
cjfa-63101	405	3	https://doi.org/10.1016/j.frl.2017.09.007	https://doi.org/10.1016/j.frl.2017.09.007	PROPN
cjfa-63101	405	4	https://doi.org/10.1016/j.frl.2017.09.007	https://doi.org/10.1016/j.frl.2017.09.007	VERB
cjfa-63101	405	5	https://doi.org/10.1002/jae.616	https://doi.org/10.1002/jae.616	PROPN
cjfa-63101	405	6	https://doi.org/10.1002/jae.616	https://doi.org/10.1002/jae.616	PROPN
cjfa-63101	405	7	financial	financial	ADJ
cjfa-63101	405	8	inclusion	inclusion	NOUN
cjfa-63101	405	9	towards	towards	ADP
cjfa-63101	405	10	financial	financial	ADJ
cjfa-63101	405	11	stability	stability	NOUN
cjfa-63101	405	12	in	in	ADP
cjfa-63101	405	13	ghana	ghana	PROPN
cjfa-63101	405	14	…	…	PUNCT
cjfa-63101	405	15	6969	6969	NUM
cjfa-63101	405	16	appendix	appendix	NOUN
cjfa-63101	405	17	(	(	PUNCT
cjfa-63101	405	18	a)appendix	a)appendix	PROPN
cjfa-63101	405	19	(	(	PUNCT
cjfa-63101	405	20	a	a	NOUN
cjfa-63101	405	21	)	)	PUNCT
cjfa-63101	405	22	heteroskedasticity	heteroskedasticity	NOUN
cjfa-63101	405	23	and	and	CCONJ
cjfa-63101	405	24	serial	serial	ADJ
cjfa-63101	405	25	correlation	correlation	NOUN
cjfa-63101	405	26	heteroskedasticity	heteroskedasticity	NOUN
cjfa-63101	405	27	test	test	NOUN
cjfa-63101	405	28	:	:	PUNCT
cjfa-63101	405	29	breusch	breusch	ADJ
cjfa-63101	405	30	-	-	PUNCT
cjfa-63101	405	31	pagan	pagan	ADJ
cjfa-63101	405	32	-	-	PUNCT
cjfa-63101	405	33	godfrey	godfrey	NOUN
cjfa-63101	405	34	null	null	ADJ
cjfa-63101	405	35	hypothesis	hypothesis	NOUN
cjfa-63101	405	36	:	:	PUNCT
cjfa-63101	405	37	homoskedasticity	homoskedasticity	NOUN
cjfa-63101	405	38	f	f	X
cjfa-63101	405	39	-	-	PUNCT
cjfa-63101	405	40	statistic	statistic	ADJ
cjfa-63101	405	41	0.61412	0.61412	NUM
cjfa-63101	405	42	prob	prob	NOUN
cjfa-63101	405	43	.	.	PUNCT
cjfa-63101	406	1	f(45,14	f(45,14	ADV
cjfa-63101	406	2	)	)	PUNCT
cjfa-63101	407	1	0.86249	0.86249	NUM
cjfa-63101	407	2	obs*r	obs*r	NOUN
cjfa-63101	407	3	-	-	PUNCT
cjfa-63101	407	4	squared	square	VERB
cjfa-63101	407	5	37.4116	37.4116	NUM
cjfa-63101	407	6	prob	prob	NOUN
cjfa-63101	407	7	.	.	PUNCT
cjfa-63101	408	1	chi	chi	ADJ
cjfa-63101	408	2	-	-	PUNCT
cjfa-63101	408	3	square(45	square(45	ADJ
cjfa-63101	408	4	)	)	PUNCT
cjfa-63101	408	5	0.7261	0.7261	NUM
cjfa-63101	408	6	scaled	scale	VERB
cjfa-63101	408	7	explained	explain	VERB
cjfa-63101	408	8	ss	ss	PROPN
cjfa-63101	408	9	1.64211	1.64211	NUM
cjfa-63101	408	10	prob	prob	NOUN
cjfa-63101	408	11	.	.	PUNCT
cjfa-63101	409	1	chi	chi	ADJ
cjfa-63101	409	2	-	-	PUNCT
cjfa-63101	409	3	square(45	square(45	ADJ
cjfa-63101	409	4	)	)	PUNCT
cjfa-63101	409	5	1	1	NUM
cjfa-63101	409	6	breusch	breusch	NOUN
cjfa-63101	409	7	-	-	PUNCT
cjfa-63101	409	8	godfrey	godfrey	NOUN
cjfa-63101	409	9	serial	serial	ADJ
cjfa-63101	409	10	correlation	correlation	NOUN
cjfa-63101	409	11	lm	lm	INTJ
cjfa-63101	409	12	test	test	NOUN
cjfa-63101	409	13	:	:	PUNCT
cjfa-63101	409	14	null	null	ADJ
cjfa-63101	409	15	hypothesis	hypothesis	NOUN
cjfa-63101	409	16	:	:	PUNCT
cjfa-63101	409	17	no	no	DET
cjfa-63101	409	18	serial	serial	ADJ
cjfa-63101	409	19	correlation	correlation	NOUN
cjfa-63101	409	20	at	at	ADP
cjfa-63101	409	21	up	up	ADP
cjfa-63101	409	22	to	to	PART
cjfa-63101	409	23	8	8	NUM
cjfa-63101	409	24	lags	lag	VERB
cjfa-63101	409	25	f	f	NOUN
cjfa-63101	409	26	-	-	PUNCT
cjfa-63101	409	27	statistic	statistic	ADJ
cjfa-63101	409	28	223.917	223.917	NUM
cjfa-63101	409	29	prob	prob	NOUN
cjfa-63101	409	30	.	.	PUNCT
cjfa-63101	410	1	f(8,6	f(8,6	NOUN
cjfa-63101	410	2	)	)	PUNCT
cjfa-63101	410	3	0.112	0.112	NUM
cjfa-63101	410	4	obs*r	obs*r	PROPN
cjfa-63101	410	5	-	-	PUNCT
cjfa-63101	410	6	squared	square	VERB
cjfa-63101	410	7	59.7997	59.7997	NUM
cjfa-63101	410	8	prob	prob	NOUN
cjfa-63101	410	9	.	.	PUNCT
cjfa-63101	411	1	chi	chi	NOUN
cjfa-63101	411	2	-	-	PUNCT
cjfa-63101	411	3	square(8	square(8	VERB
cjfa-63101	411	4	)	)	PUNCT
cjfa-63101	412	1	0.0718	0.0718	PROPN
cjfa-63101	412	2	s	s	PART
cjfa-63101	412	3	o	o	X
cjfa-63101	412	4	u	u	NOUN
cjfa-63101	412	5	r	r	NOUN
cjfa-63101	412	6	c	c	NOUN
cjfa-63101	412	7	e	e	NOUN
cjfa-63101	412	8	:	:	PUNCT
cjfa-63101	412	9	field	field	NOUN
cjfa-63101	412	10	survey	survey	NOUN
cjfa-63101	412	11	2022	2022	NUM
cjfa-63101	412	12	.	.	PUNCT
cjfa-63101	413	1	appendix	appendix	NOUN
cjfa-63101	413	2	(	(	PUNCT
cjfa-63101	413	3	b)appendix	b)appendix	X
cjfa-63101	413	4	(	(	PUNCT
cjfa-63101	413	5	b	b	X
cjfa-63101	413	6	)	)	PUNCT
cjfa-63101	413	7	the	the	DET
cjfa-63101	413	8	cusum	cusum	NOUN
cjfa-63101	413	9	plot	plot	NOUN
cjfa-63101	413	10	of	of	ADP
cjfa-63101	413	11	long	long	ADJ
cjfa-63101	413	12	-	-	PUNCT
cjfa-63101	413	13	term	term	NOUN
cjfa-63101	413	14	relationship	relationship	NOUN
cjfa-63101	413	15	f	f	NOUN
cjfa-63101	413	16	-	-	PUNCT
cjfa-63101	413	17	statistic	statistic	ADJ
cjfa-63101	413	18	223.917	223.917	NUM
cjfa-63101	413	19	prob	prob	NOUN
cjfa-63101	413	20	.	.	PUNCT
cjfa-63101	413	21	f(8,6	f(8,6	NOUN
cjfa-63101	413	22	)	)	PUNCT
cjfa-63101	413	23	0.112	0.112	NUM
cjfa-63101	413	24	obs*r	obs*r	PROPN
cjfa-63101	413	25	-	-	PUNCT
cjfa-63101	413	26	squared	square	VERB
cjfa-63101	413	27	59.7997	59.7997	NUM
cjfa-63101	413	28	prob	prob	NOUN
cjfa-63101	413	29	.	.	PUNCT
cjfa-63101	414	1	chi	chi	NOUN
cjfa-63101	414	2	-	-	PUNCT
cjfa-63101	414	3	square(8	square(8	VERB
cjfa-63101	414	4	)	)	PUNCT
cjfa-63101	414	5	0.0718	0.0718	NUM
cjfa-63101	414	6	source	source	NOUN
cjfa-63101	414	7	:	:	PUNCT
cjfa-63101	414	8	field	field	NOUN
cjfa-63101	414	9	survey	survey	NOUN
cjfa-63101	414	10	2022	2022	NUM
cjfa-63101	414	11	.	.	PUNCT
cjfa-63101	415	1	appendix	appendix	NOUN
cjfa-63101	415	2	(	(	PUNCT
cjfa-63101	415	3	b	b	X
cjfa-63101	415	4	)	)	PUNCT
cjfa-63101	415	5	the	the	DET
cjfa-63101	415	6	cusum	cusum	NOUN
cjfa-63101	415	7	plot	plot	NOUN
cjfa-63101	415	8	of	of	ADP
cjfa-63101	415	9	long	long	ADJ
cjfa-63101	415	10	-	-	PUNCT
cjfa-63101	415	11	term	term	NOUN
cjfa-63101	415	12	relationship	relationship	NOUN
cjfa-63101	415	13	-8	-8	NOUN
cjfa-63101	416	1	-6	-6	INTJ
cjfa-63101	416	2	-4	-4	INTJ
cjfa-63101	417	1	-2	-2	NOUN
cjfa-63101	417	2	0	0	NUM
cjfa-63101	417	3	2	2	NUM
cjfa-63101	417	4	4	4	NUM
cjfa-63101	417	5	6	6	NUM
cjfa-63101	417	6	8	8	NUM
cjfa-63101	417	7	ii	ii	NUM
cjfa-63101	417	8	iii	iii	NUM
cjfa-63101	417	9	iv	iv	INTJ
cjfa-63101	418	1	i	i	NOUN
cjfa-63101	418	2	ii	ii	PROPN
cjfa-63101	418	3	iii	iii	NUM
cjfa-63101	418	4	iv	iv	NUM
cjfa-63101	418	5	2020	2020	NUM
cjfa-63101	418	6	2021	2021	NUM
cjfa-63101	418	7	cusum	cusum	VERB
cjfa-63101	418	8	5	5	NUM
cjfa-63101	418	9	%	%	NOUN
cjfa-63101	418	10	significance	significance	NOUN
cjfa-63101	418	11	source	source	NOUN
cjfa-63101	418	12	:	:	PUNCT
cjfa-63101	418	13	field	field	NOUN
cjfa-63101	418	14	survey	survey	NOUN
cjfa-63101	418	15	2022	2022	NUM
cjfa-63101	418	16	.	.	PUNCT
cjfa-63101	419	1	s	s	PART
cjfa-63101	419	2	o	o	X
cjfa-63101	419	3	u	u	NOUN
cjfa-63101	419	4	r	r	NOUN
cjfa-63101	419	5	c	c	NOUN
cjfa-63101	419	6	e	e	NOUN
cjfa-63101	419	7	:	:	PUNCT
cjfa-63101	419	8	field	field	NOUN
cjfa-63101	419	9	survey	survey	NOUN
cjfa-63101	419	10	2022	2022	NUM
cjfa-63101	419	11	.	.	PUNCT