id	keyword
cjfa-20694	capital
cjfa-20694	performance
cjfa-20694	management
cjfa-20694	cognitive
cjfa-20694	dimensions
cjfa-20694	study
cjfa-20694	journal
cjfa-20694	development
cjfa-20694	banks
cjfa-20694	organization
cjfa-20694	erbil
cjfa-20694	table
cjfa-20694	effect