id	sid	tid	token	lemma	pos
easat-5950	1	1	edelweiss	edelweiss	PROPN
easat-5950	1	2	applied	apply	VERB
easat-5950	1	3	science	science	NOUN
easat-5950	1	4	and	and	CCONJ
easat-5950	1	5	technology	technology	NOUN
easat-5950	1	6	issn	issn	PROPN
easat-5950	1	7	:	:	PUNCT
easat-5950	1	8	2576	2576	NUM
easat-5950	1	9	-	-	SYM
easat-5950	1	10	8484	8484	NUM
easat-5950	1	11	vol	vol	NOUN
easat-5950	1	12	.	.	PROPN
easat-5950	2	1	9	9	NUM
easat-5950	2	2	,	,	PUNCT
easat-5950	2	3	no	no	INTJ
easat-5950	2	4	.	.	NOUN
easat-5950	2	5	4	4	NUM
easat-5950	2	6	,	,	PUNCT
easat-5950	2	7	146	146	NUM
easat-5950	2	8	-	-	SYM
easat-5950	2	9	156	156	NUM
easat-5950	2	10	2025	2025	NUM
easat-5950	2	11	publisher	publisher	NOUN
easat-5950	2	12	:	:	PUNCT
easat-5950	2	13	learning	learn	VERB
easat-5950	2	14	gate	gate	NOUN
easat-5950	2	15	doi	doi	PROPN
easat-5950	2	16	:	:	PUNCT
easat-5950	2	17	10.55214/25768484.v9i4.5950	10.55214/25768484.v9i4.5950	NUM
easat-5950	2	18	©	©	PROPN
easat-5950	2	19	2025	2025	NUM
easat-5950	2	20	by	by	ADP
easat-5950	2	21	the	the	DET
easat-5950	2	22	authors	author	NOUN
easat-5950	2	23	;	;	PUNCT
easat-5950	2	24	licensee	licensee	PROPN
easat-5950	2	25	learning	learning	NOUN
easat-5950	2	26	gate	gate	NOUN
easat-5950	3	1	©	©	PROPN
easat-5950	3	2	2025	2025	NUM
easat-5950	3	3	by	by	ADP
easat-5950	3	4	the	the	DET
easat-5950	3	5	authors	author	NOUN
easat-5950	3	6	;	;	PUNCT
easat-5950	3	7	licensee	licensee	PROPN
easat-5950	3	8	learning	learning	NOUN
easat-5950	3	9	gate	gate	NOUN
easat-5950	3	10	history	history	NOUN
easat-5950	3	11	:	:	PUNCT
easat-5950	3	12	received	receive	VERB
easat-5950	3	13	:	:	PUNCT
easat-5950	3	14	27	27	NUM
easat-5950	3	15	january	january	NOUN
easat-5950	3	16	2025	2025	NUM
easat-5950	3	17	;	;	PUNCT
easat-5950	3	18	revised	revise	VERB
easat-5950	3	19	:	:	PUNCT
easat-5950	3	20	6	6	NUM
easat-5950	3	21	march	march	NOUN
easat-5950	3	22	2025	2025	NUM
easat-5950	3	23	;	;	PUNCT
easat-5950	3	24	accepted	accept	VERB
easat-5950	3	25	:	:	PUNCT
easat-5950	3	26	10	10	NUM
easat-5950	3	27	march	march	NOUN
easat-5950	3	28	2025	2025	NUM
easat-5950	3	29	;	;	PUNCT
easat-5950	3	30	published	publish	VERB
easat-5950	3	31	:	:	PUNCT
easat-5950	4	1	3	3	NUM
easat-5950	4	2	april	april	PROPN
easat-5950	4	3	2025	2025	NUM
easat-5950	4	4	*	*	PUNCT
easat-5950	4	5	correspondence	correspondence	NOUN
easat-5950	4	6	:	:	PUNCT
easat-5950	4	7	bashkim.bellaqa@umib.net	bashkim.bellaqa@umib.net	NOUN
easat-5950	4	8	the	the	DET
easat-5950	4	9	role	role	NOUN
easat-5950	4	10	of	of	ADP
easat-5950	4	11	microfinance	microfinance	NOUN
easat-5950	4	12	institutions	institution	NOUN
easat-5950	4	13	in	in	ADP
easat-5950	4	14	job	job	NOUN
easat-5950	4	15	creation	creation	NOUN
easat-5950	4	16	qazim	qazim	PROPN
easat-5950	4	17	tmava1	tmava1	PROPN
easat-5950	4	18	,	,	PUNCT
easat-5950	4	19	bashkim	bashkim	PROPN
easat-5950	4	20	bellaqa2	bellaqa2	PROPN
easat-5950	4	21	*	*	SYM
easat-5950	4	22	1,2faculty	1,2faculty	NUM
easat-5950	4	23	of	of	ADP
easat-5950	4	24	economics	economic	NOUN
easat-5950	4	25	,	,	PUNCT
easat-5950	4	26	university	university	NOUN
easat-5950	4	27	of	of	ADP
easat-5950	4	28	mitrovica	mitrovica	NOUN
easat-5950	4	29	“	"	PUNCT
easat-5950	4	30	isa	isa	NOUN
easat-5950	4	31	boletini	boletini	NOUN
easat-5950	4	32	”	"	PUNCT
easat-5950	4	33	,	,	PUNCT
easat-5950	4	34	mitrovica	mitrovica	ADJ
easat-5950	4	35	,	,	PUNCT
easat-5950	4	36	republic	republic	NOUN
easat-5950	4	37	of	of	ADP
easat-5950	4	38	kosovo	kosovo	PROPN
easat-5950	4	39	;	;	PUNCT
easat-5950	4	40	qazim.tmava@umib.net	qazim.tmava@umib.net	NOUN
easat-5950	4	41	(	(	PUNCT
easat-5950	4	42	q.t	q.t	PROPN
easat-5950	4	43	.	.	PROPN
easat-5950	4	44	)	)	PUNCT
easat-5950	5	1	bashkim.bellaqa@umib.net	bashkim.bellaqa@umib.net	PROPN
easat-5950	5	2	(	(	PUNCT
easat-5950	5	3	b.b	b.b	PROPN
easat-5950	5	4	.	.	PUNCT
easat-5950	5	5	)	)	PUNCT
easat-5950	6	1	abstract	abstract	NOUN
easat-5950	6	2	:	:	PUNCT
easat-5950	6	3	the	the	DET
easat-5950	6	4	primary	primary	ADJ
easat-5950	6	5	objective	objective	NOUN
easat-5950	6	6	of	of	ADP
easat-5950	6	7	this	this	DET
easat-5950	6	8	research	research	NOUN
easat-5950	6	9	is	be	AUX
easat-5950	6	10	to	to	PART
easat-5950	6	11	assess	assess	VERB
easat-5950	6	12	the	the	DET
easat-5950	6	13	influence	influence	NOUN
easat-5950	6	14	of	of	ADP
easat-5950	6	15	micro	micro	ADJ
easat-5950	6	16	financial	financial	ADJ
easat-5950	6	17	institutions	institution	NOUN
easat-5950	6	18	(	(	PUNCT
easat-5950	6	19	mfis	mfis	PROPN
easat-5950	6	20	)	)	PUNCT
easat-5950	6	21	on	on	ADP
easat-5950	6	22	job	job	NOUN
easat-5950	6	23	creation	creation	NOUN
easat-5950	6	24	in	in	ADP
easat-5950	6	25	kosovo	kosovo	PROPN
easat-5950	6	26	by	by	ADP
easat-5950	6	27	examining	examine	VERB
easat-5950	6	28	the	the	DET
easat-5950	6	29	relationships	relationship	NOUN
easat-5950	6	30	between	between	ADP
easat-5950	6	31	mfi	mfi	PROPN
easat-5950	6	32	microcredits	microcredit	NOUN
easat-5950	6	33	,	,	PUNCT
easat-5950	6	34	consulting	consulting	NOUN
easat-5950	6	35	services	service	NOUN
easat-5950	6	36	,	,	PUNCT
easat-5950	6	37	government	government	NOUN
easat-5950	6	38	coordination	coordination	NOUN
easat-5950	6	39	,	,	PUNCT
easat-5950	6	40	interest	interest	NOUN
easat-5950	6	41	rates	rate	NOUN
easat-5950	6	42	,	,	PUNCT
easat-5950	6	43	and	and	CCONJ
easat-5950	6	44	so	so	ADV
easat-5950	6	45	on	on	ADV
easat-5950	6	46	.	.	PUNCT
easat-5950	7	1	according	accord	VERB
easat-5950	7	2	to	to	ADP
easat-5950	7	3	the	the	DET
easat-5950	7	4	september	september	PROPN
easat-5950	7	5	2024	2024	NUM
easat-5950	7	6	status	status	NOUN
easat-5950	7	7	,	,	PUNCT
easat-5950	7	8	kosovo	kosovo	PROPN
easat-5950	7	9	's	's	PART
easat-5950	7	10	microfinance	microfinance	NOUN
easat-5950	7	11	sector	sector	NOUN
easat-5950	7	12	consists	consist	VERB
easat-5950	7	13	of	of	ADP
easat-5950	7	14	9	9	NUM
easat-5950	7	15	mfis	mfis	NOUN
easat-5950	7	16	and	and	CCONJ
easat-5950	7	17	23	23	NUM
easat-5950	7	18	non	non	ADJ
easat-5950	7	19	-	-	ADJ
easat-5950	7	20	banking	banking	ADJ
easat-5950	7	21	financial	financial	ADJ
easat-5950	7	22	institutions	institution	NOUN
easat-5950	7	23	(	(	PUNCT
easat-5950	7	24	nbfis	nbfis	PROPN
easat-5950	7	25	)	)	PUNCT
easat-5950	7	26	.	.	PUNCT
easat-5950	8	1	the	the	DET
easat-5950	8	2	findings	finding	NOUN
easat-5950	8	3	of	of	ADP
easat-5950	8	4	the	the	DET
easat-5950	8	5	linear	linear	ADJ
easat-5950	8	6	regression	regression	NOUN
easat-5950	8	7	analysis	analysis	NOUN
easat-5950	8	8	suggest	suggest	VERB
easat-5950	8	9	that	that	SCONJ
easat-5950	8	10	there	there	PRON
easat-5950	8	11	is	be	VERB
easat-5950	8	12	a	a	DET
easat-5950	8	13	weak	weak	ADJ
easat-5950	8	14	relationship	relationship	NOUN
easat-5950	8	15	between	between	ADP
easat-5950	8	16	the	the	DET
easat-5950	8	17	volume	volume	NOUN
easat-5950	8	18	of	of	ADP
easat-5950	8	19	microcredits	microcredit	NOUN
easat-5950	8	20	granted	grant	VERB
easat-5950	8	21	by	by	ADP
easat-5950	8	22	mfis	mfis	NOUN
easat-5950	8	23	and	and	CCONJ
easat-5950	8	24	the	the	DET
easat-5950	8	25	creation	creation	NOUN
easat-5950	8	26	of	of	ADP
easat-5950	8	27	new	new	ADJ
easat-5950	8	28	jobs	job	NOUN
easat-5950	8	29	,	,	PUNCT
easat-5950	8	30	with	with	ADP
easat-5950	8	31	p	p	NOUN
easat-5950	8	32	=	=	PROPN
easat-5950	8	33	0.042	0.042	NUM
easat-5950	8	34	,	,	PUNCT
easat-5950	8	35	which	which	PRON
easat-5950	8	36	is	be	AUX
easat-5950	8	37	slightly	slightly	ADV
easat-5950	8	38	lower	low	ADJ
easat-5950	8	39	than	than	ADP
easat-5950	8	40	the	the	DET
easat-5950	8	41	significance	significance	NOUN
easat-5950	8	42	value	value	NOUN
easat-5950	8	43	of	of	ADP
easat-5950	8	44	0.05	0.05	NUM
easat-5950	8	45	.	.	PUNCT
easat-5950	9	1	the	the	DET
easat-5950	9	2	mfi	mfi	PROPN
easat-5950	9	3	consultancies	consultancy	NOUN
easat-5950	9	4	,	,	PUNCT
easat-5950	9	5	mfi	mfi	PROPN
easat-5950	9	6	programs	program	NOUN
easat-5950	9	7	,	,	PUNCT
easat-5950	9	8	and	and	CCONJ
easat-5950	9	9	high	high	ADJ
easat-5950	9	10	interest	interest	NOUN
easat-5950	9	11	rates	rate	NOUN
easat-5950	9	12	of	of	ADP
easat-5950	9	13	mfi	mfi	PROPN
easat-5950	9	14	microcredits	microcredit	NOUN
easat-5950	9	15	show	show	VERB
easat-5950	9	16	a	a	DET
easat-5950	9	17	substantial	substantial	ADJ
easat-5950	9	18	negative	negative	ADJ
easat-5950	9	19	link	link	NOUN
easat-5950	9	20	with	with	ADP
easat-5950	9	21	employment	employment	NOUN
easat-5950	9	22	creation	creation	NOUN
easat-5950	9	23	.	.	PUNCT
easat-5950	10	1	the	the	DET
easat-5950	10	2	parameter	parameter	NOUN
easat-5950	10	3	β	β	PROPN
easat-5950	10	4	values	value	NOUN
easat-5950	10	5	are	be	AUX
easat-5950	10	6	smaller	small	ADJ
easat-5950	10	7	than	than	ADP
easat-5950	10	8	the	the	DET
easat-5950	10	9	values	value	NOUN
easat-5950	10	10	of	of	ADP
easat-5950	10	11	p.	p.	NOUN
easat-5950	10	12	methodologically	methodologically	ADV
easat-5950	10	13	speaking	speak	VERB
easat-5950	10	14	,	,	PUNCT
easat-5950	10	15	apart	apart	ADV
easat-5950	10	16	from	from	ADP
easat-5950	10	17	secondary	secondary	ADJ
easat-5950	10	18	data	datum	NOUN
easat-5950	10	19	,	,	PUNCT
easat-5950	10	20	a	a	DET
easat-5950	10	21	survey	survey	NOUN
easat-5950	10	22	connected	connect	VERB
easat-5950	10	23	to	to	ADP
easat-5950	10	24	the	the	DET
easat-5950	10	25	purpose	purpose	NOUN
easat-5950	10	26	of	of	ADP
easat-5950	10	27	the	the	DET
easat-5950	10	28	research	research	NOUN
easat-5950	10	29	was	be	AUX
easat-5950	10	30	also	also	ADV
easat-5950	10	31	conducted	conduct	VERB
easat-5950	10	32	.	.	PUNCT
easat-5950	11	1	mfis	mfis	PROPN
easat-5950	11	2	have	have	VERB
easat-5950	11	3	a	a	DET
easat-5950	11	4	number	number	NOUN
easat-5950	11	5	of	of	ADP
easat-5950	11	6	challenges	challenge	NOUN
easat-5950	11	7	in	in	ADP
easat-5950	11	8	creating	create	VERB
easat-5950	11	9	jobs	job	NOUN
easat-5950	11	10	,	,	PUNCT
easat-5950	11	11	including	include	VERB
easat-5950	11	12	a	a	DET
easat-5950	11	13	lack	lack	NOUN
easat-5950	11	14	of	of	ADP
easat-5950	11	15	entrepreneurial	entrepreneurial	ADJ
easat-5950	11	16	training	training	NOUN
easat-5950	11	17	and	and	CCONJ
easat-5950	11	18	financial	financial	ADJ
easat-5950	11	19	skills	skill	NOUN
easat-5950	11	20	,	,	PUNCT
easat-5950	11	21	low	low	ADJ
easat-5950	11	22	institutional	institutional	ADJ
easat-5950	11	23	capacity	capacity	NOUN
easat-5950	11	24	,	,	PUNCT
easat-5950	11	25	high	high	ADJ
easat-5950	11	26	interest	interest	NOUN
easat-5950	11	27	rates	rate	NOUN
easat-5950	11	28	,	,	PUNCT
easat-5950	11	29	and	and	CCONJ
easat-5950	11	30	so	so	ADV
easat-5950	11	31	on	on	ADV
easat-5950	11	32	.	.	PUNCT
easat-5950	12	1	the	the	DET
easat-5950	12	2	study	study	NOUN
easat-5950	12	3	recommends	recommend	VERB
easat-5950	12	4	that	that	SCONJ
easat-5950	12	5	policy	policy	NOUN
easat-5950	12	6	and	and	CCONJ
easat-5950	12	7	strategy	strategy	NOUN
easat-5950	12	8	makers	maker	NOUN
easat-5950	12	9	in	in	ADP
easat-5950	12	10	kosovo	kosovo	PROPN
easat-5950	12	11	maximize	maximize	VERB
easat-5950	12	12	job	job	NOUN
easat-5950	12	13	creation	creation	NOUN
easat-5950	12	14	through	through	ADP
easat-5950	12	15	mfis	mfis	NOUN
easat-5950	12	16	by	by	ADP
easat-5950	12	17	implementing	implement	VERB
easat-5950	12	18	an	an	DET
easat-5950	12	19	integrated	integrated	ADJ
easat-5950	12	20	approach	approach	NOUN
easat-5950	12	21	.	.	PUNCT
easat-5950	13	1	keywords	keyword	NOUN
easat-5950	13	2	:	:	PUNCT
easat-5950	13	3	development	development	NOUN
easat-5950	13	4	finance	finance	NOUN
easat-5950	13	5	,	,	PUNCT
easat-5950	13	6	microfinance	microfinance	NOUN
easat-5950	13	7	,	,	PUNCT
easat-5950	13	8	job	job	NOUN
easat-5950	13	9	creation	creation	NOUN
easat-5950	13	10	,	,	PUNCT
easat-5950	13	11	public	public	ADJ
easat-5950	13	12	economics	economic	NOUN
easat-5950	13	13	and	and	CCONJ
easat-5950	13	14	correlation	correlation	NOUN
easat-5950	13	15	,	,	PUNCT
easat-5950	13	16	small	small	ADJ
easat-5950	13	17	firms	firm	NOUN
easat-5950	13	18	.	.	PUNCT
easat-5950	14	1	1	1	X
easat-5950	14	2	.	.	X
easat-5950	14	3	introduction	introduction	NOUN
easat-5950	14	4	microfinance	microfinance	NOUN
easat-5950	14	5	institutions	institution	NOUN
easat-5950	14	6	(	(	PUNCT
easat-5950	14	7	mfis	mfis	PROPN
easat-5950	14	8	)	)	PUNCT
easat-5950	14	9	in	in	ADP
easat-5950	14	10	kosovo	kosovo	PROPN
easat-5950	14	11	began	begin	VERB
easat-5950	14	12	operations	operation	NOUN
easat-5950	14	13	following	follow	VERB
easat-5950	14	14	the	the	DET
easat-5950	14	15	conclusion	conclusion	NOUN
easat-5950	14	16	of	of	ADP
easat-5950	14	17	the	the	DET
easat-5950	14	18	war	war	NOUN
easat-5950	14	19	to	to	PART
easat-5950	14	20	provide	provide	VERB
easat-5950	14	21	financial	financial	ADJ
easat-5950	14	22	aid	aid	NOUN
easat-5950	14	23	and	and	CCONJ
easat-5950	14	24	support	support	NOUN
easat-5950	14	25	for	for	ADP
easat-5950	14	26	small	small	ADJ
easat-5950	14	27	business	business	NOUN
easat-5950	14	28	ventures	venture	NOUN
easat-5950	14	29	.	.	PUNCT
easat-5950	15	1	job	job	NOUN
easat-5950	15	2	creation	creation	NOUN
easat-5950	15	3	is	be	AUX
easat-5950	15	4	still	still	ADV
easat-5950	15	5	a	a	DET
easat-5950	15	6	primary	primary	ADJ
easat-5950	15	7	objective	objective	NOUN
easat-5950	15	8	in	in	ADP
easat-5950	15	9	developing	develop	VERB
easat-5950	15	10	countries	country	NOUN
easat-5950	15	11	such	such	ADJ
easat-5950	15	12	as	as	ADP
easat-5950	15	13	kosovo	kosovo	PROPN
easat-5950	15	14	.	.	PUNCT
easat-5950	16	1	much	much	ADJ
easat-5950	16	2	research	research	NOUN
easat-5950	16	3	on	on	ADP
easat-5950	16	4	economic	economic	ADJ
easat-5950	16	5	growth	growth	NOUN
easat-5950	16	6	and	and	CCONJ
easat-5950	16	7	development	development	NOUN
easat-5950	16	8	concentrates	concentrate	VERB
easat-5950	16	9	on	on	ADP
easat-5950	16	10	the	the	DET
easat-5950	16	11	labor	labor	NOUN
easat-5950	16	12	market	market	NOUN
easat-5950	16	13	,	,	PUNCT
easat-5950	16	14	as	as	SCONJ
easat-5950	16	15	individual	individual	ADJ
easat-5950	16	16	incomes	income	NOUN
easat-5950	16	17	are	be	AUX
easat-5950	16	18	heavily	heavily	ADV
easat-5950	16	19	influenced	influence	VERB
easat-5950	16	20	by	by	ADP
easat-5950	16	21	job	job	NOUN
easat-5950	16	22	prospects	prospect	NOUN
easat-5950	16	23	[	[	X
easat-5950	16	24	1	1	NUM
easat-5950	16	25	]	]	PUNCT
easat-5950	16	26	.	.	PUNCT
easat-5950	17	1	their	their	PRON
easat-5950	17	2	assistance	assistance	NOUN
easat-5950	17	3	was	be	AUX
easat-5950	17	4	critical	critical	ADJ
easat-5950	17	5	in	in	ADP
easat-5950	17	6	launching	launch	VERB
easat-5950	17	7	the	the	DET
easat-5950	17	8	postwar	postwar	ADJ
easat-5950	17	9	economic	economic	ADJ
easat-5950	17	10	resurgence	resurgence	NOUN
easat-5950	17	11	at	at	ADP
easat-5950	17	12	a	a	DET
easat-5950	17	13	time	time	NOUN
easat-5950	17	14	when	when	SCONJ
easat-5950	17	15	the	the	DET
easat-5950	17	16	banking	banking	NOUN
easat-5950	17	17	sector	sector	NOUN
easat-5950	17	18	was	be	AUX
easat-5950	17	19	almost	almost	ADV
easat-5950	17	20	non	non	ADJ
easat-5950	17	21	-	-	ADJ
easat-5950	17	22	existent	existent	ADJ
easat-5950	17	23	.	.	PUNCT
easat-5950	18	1	mfis	mfis	PROPN
easat-5950	18	2	provide	provide	VERB
easat-5950	18	3	loans	loan	NOUN
easat-5950	18	4	to	to	ADP
easat-5950	18	5	low	low	ADJ
easat-5950	18	6	-	-	PUNCT
easat-5950	18	7	income	income	NOUN
easat-5950	18	8	clientele	clientele	NOUN
easat-5950	18	9	,	,	PUNCT
easat-5950	18	10	such	such	ADJ
easat-5950	18	11	as	as	ADP
easat-5950	18	12	micro	micro	ADJ
easat-5950	18	13	companies	company	NOUN
easat-5950	18	14	and	and	CCONJ
easat-5950	18	15	the	the	DET
easat-5950	18	16	self	self	NOUN
easat-5950	18	17	-	-	PUNCT
easat-5950	18	18	employed	employ	VERB
easat-5950	18	19	,	,	PUNCT
easat-5950	18	20	who	who	PRON
easat-5950	18	21	have	have	AUX
easat-5950	18	22	traditionally	traditionally	ADV
easat-5950	18	23	been	be	AUX
easat-5950	18	24	denied	deny	VERB
easat-5950	18	25	funding	funding	NOUN
easat-5950	18	26	from	from	ADP
easat-5950	18	27	banks	bank	NOUN
easat-5950	18	28	[	[	X
easat-5950	18	29	2	2	NUM
easat-5950	18	30	]	]	PUNCT
easat-5950	18	31	.	.	PUNCT
easat-5950	19	1	mfis	mfis	PROPN
easat-5950	19	2	and	and	CCONJ
easat-5950	19	3	nonbank	nonbank	PROPN
easat-5950	19	4	financial	financial	ADJ
easat-5950	19	5	institutions	institution	NOUN
easat-5950	19	6	(	(	PUNCT
easat-5950	19	7	nbfis	nbfis	PROPN
easat-5950	19	8	)	)	PUNCT
easat-5950	19	9	have	have	AUX
easat-5950	19	10	grown	grow	VERB
easat-5950	19	11	rapidly	rapidly	ADV
easat-5950	19	12	in	in	ADP
easat-5950	19	13	recent	recent	ADJ
easat-5950	19	14	years	year	NOUN
easat-5950	19	15	,	,	PUNCT
easat-5950	19	16	but	but	CCONJ
easat-5950	19	17	they	they	PRON
easat-5950	19	18	account	account	VERB
easat-5950	19	19	for	for	ADP
easat-5950	19	20	barely	barely	ADV
easat-5950	19	21	4	4	NUM
easat-5950	19	22	%	%	NOUN
easat-5950	19	23	of	of	ADP
easat-5950	19	24	the	the	DET
easat-5950	19	25	financial	financial	ADJ
easat-5950	19	26	system	system	NOUN
easat-5950	19	27	.	.	PUNCT
easat-5950	20	1	as	as	ADP
easat-5950	20	2	a	a	DET
easat-5950	20	3	result	result	NOUN
easat-5950	20	4	,	,	PUNCT
easat-5950	20	5	mfis	mfis	PROPN
easat-5950	20	6	have	have	AUX
easat-5950	20	7	helped	help	VERB
easat-5950	20	8	microcredit	microcredit	VERB
easat-5950	20	9	borrowers	borrower	NOUN
easat-5950	20	10	gain	gain	VERB
easat-5950	20	11	confidence	confidence	NOUN
easat-5950	20	12	in	in	ADP
easat-5950	20	13	their	their	PRON
easat-5950	20	14	entrepreneurial	entrepreneurial	ADJ
easat-5950	20	15	talents	talent	NOUN
easat-5950	21	1	[	[	X
easat-5950	21	2	3	3	NUM
easat-5950	21	3	]	]	PUNCT
easat-5950	21	4	.	.	PUNCT
easat-5950	22	1	this	this	DET
easat-5950	22	2	sector	sector	NOUN
easat-5950	22	3	of	of	ADP
easat-5950	22	4	finance	finance	NOUN
easat-5950	22	5	specializes	specialize	VERB
easat-5950	22	6	in	in	ADP
easat-5950	22	7	low	low	ADJ
easat-5950	22	8	-	-	PUNCT
easat-5950	22	9	cost	cost	NOUN
easat-5950	22	10	financial	financial	ADJ
easat-5950	22	11	products	product	NOUN
easat-5950	22	12	and	and	CCONJ
easat-5950	22	13	services	service	NOUN
easat-5950	22	14	with	with	ADP
easat-5950	22	15	quick	quick	ADJ
easat-5950	22	16	access	access	NOUN
easat-5950	22	17	,	,	PUNCT
easat-5950	22	18	short	short	ADJ
easat-5950	22	19	application	application	NOUN
easat-5950	22	20	processes	process	NOUN
easat-5950	22	21	,	,	PUNCT
easat-5950	22	22	and	and	CCONJ
easat-5950	22	23	straightforward	straightforward	ADJ
easat-5950	22	24	payment	payment	NOUN
easat-5950	22	25	mechanisms	mechanism	NOUN
easat-5950	22	26	.	.	PUNCT
easat-5950	23	1	low	low	ADJ
easat-5950	23	2	-	-	PUNCT
easat-5950	23	3	income	income	NOUN
easat-5950	23	4	clients	client	NOUN
easat-5950	23	5	want	want	VERB
easat-5950	23	6	microfinance	microfinance	NOUN
easat-5950	23	7	to	to	PART
easat-5950	23	8	cover	cover	VERB
easat-5950	23	9	basic	basic	ADJ
easat-5950	23	10	needs	need	NOUN
easat-5950	23	11	,	,	PUNCT
easat-5950	23	12	personal	personal	ADJ
easat-5950	23	13	emergencies	emergency	NOUN
easat-5950	23	14	,	,	PUNCT
easat-5950	23	15	or	or	CCONJ
easat-5950	23	16	to	to	PART
easat-5950	23	17	grow	grow	VERB
easat-5950	23	18	a	a	DET
easat-5950	23	19	small	small	ADJ
easat-5950	23	20	business	business	NOUN
easat-5950	23	21	[	[	X
easat-5950	23	22	4	4	NUM
easat-5950	23	23	]	]	PUNCT
easat-5950	23	24	.	.	PUNCT
easat-5950	24	1	the	the	DET
easat-5950	24	2	mfi	mfi	PROPN
easat-5950	24	3	study	study	NOUN
easat-5950	24	4	has	have	VERB
easat-5950	24	5	significant	significant	ADJ
easat-5950	24	6	implications	implication	NOUN
easat-5950	24	7	for	for	ADP
easat-5950	24	8	policymakers	policymaker	NOUN
easat-5950	24	9	,	,	PUNCT
easat-5950	24	10	development	development	NOUN
easat-5950	24	11	practitioners	practitioner	NOUN
easat-5950	24	12	,	,	PUNCT
easat-5950	24	13	and	and	CCONJ
easat-5950	24	14	academics	academic	NOUN
easat-5950	24	15	interested	interested	ADJ
easat-5950	24	16	in	in	ADP
easat-5950	24	17	fostering	foster	VERB
easat-5950	24	18	economic	economic	ADJ
easat-5950	24	19	growth	growth	NOUN
easat-5950	24	20	through	through	ADP
easat-5950	24	21	microfinance	microfinance	NOUN
easat-5950	24	22	in	in	ADP
easat-5950	24	23	low	low	ADJ
easat-5950	24	24	-	-	PUNCT
easat-5950	24	25	income	income	NOUN
easat-5950	24	26	countries	country	NOUN
easat-5950	24	27	[	[	X
easat-5950	24	28	5	5	NUM
easat-5950	24	29	]	]	PUNCT
easat-5950	24	30	.	.	PUNCT
easat-5950	25	1	the	the	DET
easat-5950	25	2	microfinance	microfinance	NOUN
easat-5950	25	3	market	market	NOUN
easat-5950	25	4	in	in	ADP
easat-5950	25	5	kosovo	kosovo	PROPN
easat-5950	25	6	has	have	AUX
easat-5950	25	7	changed	change	VERB
easat-5950	25	8	dramatically	dramatically	ADV
easat-5950	25	9	since	since	SCONJ
easat-5950	25	10	1990	1990	NUM
easat-5950	25	11	.	.	PUNCT
easat-5950	26	1	initially	initially	ADV
easat-5950	26	2	,	,	PUNCT
easat-5950	26	3	most	most	ADJ
easat-5950	26	4	mfis	mfis	PROPN
easat-5950	26	5	were	be	AUX
easat-5950	26	6	non	non	ADJ
easat-5950	26	7	-	-	ADJ
easat-5950	26	8	governmental	governmental	ADJ
easat-5950	26	9	and	and	CCONJ
easat-5950	26	10	non	non	ADJ
easat-5950	26	11	-	-	ADJ
easat-5950	26	12	profit	profit	ADJ
easat-5950	26	13	organizations	organization	NOUN
easat-5950	26	14	that	that	PRON
easat-5950	26	15	provided	provide	VERB
easat-5950	26	16	low	low	ADJ
easat-5950	26	17	-	-	PUNCT
easat-5950	26	18	interest	interest	NOUN
easat-5950	26	19	loans	loan	NOUN
easat-5950	26	20	to	to	ADP
easat-5950	26	21	individuals	individual	NOUN
easat-5950	26	22	and	and	CCONJ
easat-5950	26	23	businesses	business	NOUN
easat-5950	26	24	in	in	ADP
easat-5950	26	25	need	need	NOUN
easat-5950	26	26	.	.	PUNCT
easat-5950	27	1	over	over	ADP
easat-5950	27	2	time	time	NOUN
easat-5950	27	3	,	,	PUNCT
easat-5950	27	4	several	several	ADJ
easat-5950	27	5	of	of	ADP
easat-5950	27	6	them	they	PRON
easat-5950	27	7	have	have	AUX
easat-5950	27	8	evolved	evolve	VERB
easat-5950	27	9	into	into	ADP
easat-5950	27	10	solid	solid	ADJ
easat-5950	27	11	,	,	PUNCT
easat-5950	27	12	regulated	regulated	ADJ
easat-5950	27	13	financial	financial	ADJ
easat-5950	27	14	institutions	institution	NOUN
easat-5950	27	15	.	.	PUNCT
easat-5950	28	1	kosovo	kosovo	PROPN
easat-5950	28	2	's	's	PART
easat-5950	28	3	weak	weak	ADJ
easat-5950	28	4	investment	investment	NOUN
easat-5950	28	5	and	and	CCONJ
easat-5950	28	6	financial	financial	ADJ
easat-5950	28	7	system	system	NOUN
easat-5950	28	8	performance	performance	NOUN
easat-5950	28	9	is	be	AUX
easat-5950	28	10	attributed	attribute	VERB
easat-5950	28	11	to	to	ADP
easat-5950	28	12	problems	problem	NOUN
easat-5950	28	13	with	with	ADP
easat-5950	28	14	reforms	reform	NOUN
easat-5950	28	15	to	to	ADP
easat-5950	28	16	institutions	institution	NOUN
easat-5950	28	17	,	,	PUNCT
easat-5950	28	18	corruption	corruption	NOUN
easat-5950	28	19	,	,	PUNCT
easat-5950	28	20	informality	informality	NOUN
easat-5950	28	21	,	,	PUNCT
easat-5950	28	22	and	and	CCONJ
easat-5950	28	23	inadequate	inadequate	ADJ
easat-5950	28	24	macroeconomic	macroeconomic	ADJ
easat-5950	28	25	management	management	NOUN
easat-5950	28	26	[	[	X
easat-5950	28	27	6	6	NUM
easat-5950	28	28	]	]	PUNCT
easat-5950	28	29	.	.	PUNCT
easat-5950	29	1	today	today	NOUN
easat-5950	29	2	,	,	PUNCT
easat-5950	29	3	this	this	DET
easat-5950	29	4	https://orcid.org/0000-0002-3738-8649	https://orcid.org/0000-0002-3738-8649	NOUN
easat-5950	29	5	https://orcid.org/0000-0003-2565-5954	https://orcid.org/0000-0003-2565-5954	NOUN
easat-5950	29	6	147	147	NUM
easat-5950	29	7	edelweiss	edelweiss	PROPN
easat-5950	29	8	applied	apply	VERB
easat-5950	29	9	science	science	NOUN
easat-5950	29	10	and	and	CCONJ
easat-5950	29	11	technology	technology	NOUN
easat-5950	29	12	issn	issn	PROPN
easat-5950	29	13	:	:	PUNCT
easat-5950	29	14	2576	2576	NUM
easat-5950	29	15	-	-	SYM
easat-5950	29	16	8484	8484	NUM
easat-5950	29	17	vol	vol	NOUN
easat-5950	29	18	.	.	PROPN
easat-5950	30	1	9	9	NUM
easat-5950	30	2	,	,	PUNCT
easat-5950	30	3	no	no	INTJ
easat-5950	30	4	.	.	NOUN
easat-5950	31	1	4	4	NUM
easat-5950	31	2	:	:	SYM
easat-5950	31	3	146	146	NUM
easat-5950	31	4	-	-	SYM
easat-5950	31	5	156	156	NUM
easat-5950	31	6	,	,	PUNCT
easat-5950	31	7	2025	2025	NUM
easat-5950	31	8	doi	doi	NOUN
easat-5950	31	9	:	:	PUNCT
easat-5950	31	10	10.55214/25768484.v9i4.5950	10.55214/25768484.v9i4.5950	NUM
easat-5950	31	11	©	©	PROPN
easat-5950	31	12	2025	2025	NUM
easat-5950	31	13	by	by	ADP
easat-5950	31	14	the	the	DET
easat-5950	31	15	authors	author	NOUN
easat-5950	31	16	;	;	PUNCT
easat-5950	31	17	licensee	licensee	PROPN
easat-5950	31	18	learning	learn	VERB
easat-5950	31	19	gate	gate	NOUN
easat-5950	31	20	sector	sector	NOUN
easat-5950	31	21	is	be	AUX
easat-5950	31	22	a	a	DET
easat-5950	31	23	major	major	ADJ
easat-5950	31	24	aspect	aspect	NOUN
easat-5950	31	25	of	of	ADP
easat-5950	31	26	the	the	DET
easat-5950	31	27	republic	republic	NOUN
easat-5950	31	28	of	of	ADP
easat-5950	31	29	kosovo	kosovo	PROPN
easat-5950	31	30	's	's	PART
easat-5950	31	31	financial	financial	ADJ
easat-5950	31	32	system	system	NOUN
easat-5950	31	33	,	,	PUNCT
easat-5950	31	34	contributing	contribute	VERB
easat-5950	31	35	to	to	ADP
easat-5950	31	36	economic	economic	ADJ
easat-5950	31	37	growth	growth	NOUN
easat-5950	31	38	by	by	ADP
easat-5950	31	39	helping	help	VERB
easat-5950	31	40	small	small	ADJ
easat-5950	31	41	and	and	CCONJ
easat-5950	31	42	medium	medium	ADJ
easat-5950	31	43	-	-	PUNCT
easat-5950	31	44	sized	sized	ADJ
easat-5950	31	45	businesses	business	NOUN
easat-5950	31	46	,	,	PUNCT
easat-5950	31	47	creating	create	VERB
easat-5950	31	48	jobs	job	NOUN
easat-5950	31	49	,	,	PUNCT
easat-5950	31	50	and	and	CCONJ
easat-5950	31	51	reducing	reduce	VERB
easat-5950	31	52	poverty	poverty	NOUN
easat-5950	31	53	.	.	PUNCT
easat-5950	32	1	however	however	ADV
easat-5950	32	2	,	,	PUNCT
easat-5950	32	3	this	this	DET
easat-5950	32	4	sector	sector	NOUN
easat-5950	32	5	continues	continue	VERB
easat-5950	32	6	to	to	PART
easat-5950	32	7	encounter	encounter	VERB
easat-5950	32	8	obstacles	obstacle	NOUN
easat-5950	32	9	,	,	PUNCT
easat-5950	32	10	such	such	ADJ
easat-5950	32	11	as	as	ADP
easat-5950	32	12	strict	strict	ADJ
easat-5950	32	13	regulation	regulation	NOUN
easat-5950	32	14	and	and	CCONJ
easat-5950	32	15	limited	limited	ADJ
easat-5950	32	16	access	access	NOUN
easat-5950	32	17	to	to	ADP
easat-5950	32	18	capital	capital	NOUN
easat-5950	32	19	among	among	ADP
easat-5950	32	20	some	some	DET
easat-5950	32	21	groups	group	NOUN
easat-5950	32	22	.	.	PUNCT
easat-5950	33	1	the	the	DET
easat-5950	33	2	regulation	regulation	NOUN
easat-5950	33	3	on	on	ADP
easat-5950	33	4	credit	credit	NOUN
easat-5950	33	5	risk	risk	NOUN
easat-5950	33	6	management	management	NOUN
easat-5950	33	7	requires	require	VERB
easat-5950	33	8	mfis	mfis	VERB
easat-5950	33	9	to	to	PART
easat-5950	33	10	have	have	VERB
easat-5950	33	11	a	a	DET
easat-5950	33	12	credit	credit	NOUN
easat-5950	33	13	risk	risk	NOUN
easat-5950	33	14	management	management	NOUN
easat-5950	33	15	system	system	NOUN
easat-5950	33	16	that	that	PRON
easat-5950	33	17	is	be	AUX
easat-5950	33	18	appropriate	appropriate	ADJ
easat-5950	33	19	for	for	ADP
easat-5950	33	20	the	the	DET
easat-5950	33	21	size	size	NOUN
easat-5950	33	22	and	and	CCONJ
easat-5950	33	23	complexity	complexity	NOUN
easat-5950	33	24	of	of	ADP
easat-5950	33	25	their	their	PRON
easat-5950	33	26	operations	operation	NOUN
easat-5950	33	27	.	.	PUNCT
easat-5950	34	1	this	this	DET
easat-5950	34	2	system	system	NOUN
easat-5950	34	3	should	should	AUX
easat-5950	34	4	comprise	comprise	VERB
easat-5950	34	5	the	the	DET
easat-5950	34	6	risk	risk	NOUN
easat-5950	34	7	management	management	NOUN
easat-5950	34	8	strategy	strategy	NOUN
easat-5950	34	9	,	,	PUNCT
easat-5950	34	10	rules	rule	NOUN
easat-5950	34	11	,	,	PUNCT
easat-5950	34	12	processes	process	NOUN
easat-5950	34	13	,	,	PUNCT
easat-5950	34	14	and	and	CCONJ
easat-5950	34	15	structure	structure	NOUN
easat-5950	34	16	,	,	PUNCT
easat-5950	34	17	as	as	ADV
easat-5950	34	18	well	well	ADV
easat-5950	34	19	as	as	ADP
easat-5950	34	20	a	a	DET
easat-5950	34	21	plan	plan	NOUN
easat-5950	34	22	for	for	ADP
easat-5950	34	23	increasing	increase	VERB
easat-5950	34	24	profits	profit	NOUN
easat-5950	34	25	while	while	SCONJ
easat-5950	34	26	keeping	keep	VERB
easat-5950	34	27	risk	risk	NOUN
easat-5950	34	28	below	below	ADP
easat-5950	34	29	acceptable	acceptable	ADJ
easat-5950	34	30	bounds	bound	NOUN
easat-5950	34	31	[	[	X
easat-5950	34	32	7	7	NUM
easat-5950	34	33	]	]	PUNCT
easat-5950	34	34	.	.	PUNCT
easat-5950	35	1	the	the	DET
easat-5950	35	2	kosovo	kosovo	PROPN
easat-5950	35	3	microfinance	microfinance	NOUN
easat-5950	35	4	sector	sector	NOUN
easat-5950	35	5	maintained	maintain	VERB
easat-5950	35	6	its	its	PRON
easat-5950	35	7	upward	upward	ADJ
easat-5950	35	8	trend	trend	NOUN
easat-5950	35	9	throughout	throughout	ADP
easat-5950	35	10	october	october	PROPN
easat-5950	35	11	2023	2023	NUM
easat-5950	35	12	.	.	PUNCT
easat-5950	36	1	active	active	ADJ
easat-5950	36	2	loans	loan	NOUN
easat-5950	36	3	totaled	total	VERB
easat-5950	36	4	304	304	NUM
easat-5950	36	5	million	million	NUM
easat-5950	36	6	euros	euro	NOUN
easat-5950	36	7	,	,	PUNCT
easat-5950	36	8	allocated	allocate	VERB
easat-5950	36	9	to	to	ADP
easat-5950	36	10	108,680	108,680	NUM
easat-5950	36	11	borrowers	borrower	NOUN
easat-5950	36	12	[	[	X
easat-5950	36	13	8	8	NUM
easat-5950	36	14	]	]	PUNCT
easat-5950	36	15	.	.	PUNCT
easat-5950	37	1	according	accord	VERB
easat-5950	37	2	to	to	ADP
easat-5950	37	3	the	the	DET
easat-5950	37	4	microfinance	microfinance	NOUN
easat-5950	37	5	association	association	PROPN
easat-5950	37	6	of	of	ADP
easat-5950	37	7	kosovo	kosovo	PROPN
easat-5950	37	8	's	's	PART
easat-5950	37	9	(	(	PUNCT
easat-5950	37	10	mik	mik	PROPN
easat-5950	37	11	)	)	PUNCT
easat-5950	37	12	monthly	monthly	ADJ
easat-5950	37	13	report	report	NOUN
easat-5950	37	14	,	,	PUNCT
easat-5950	37	15	these	these	DET
easat-5950	37	16	figures	figure	NOUN
easat-5950	37	17	reflect	reflect	VERB
easat-5950	37	18	the	the	DET
easat-5950	37	19	sector	sector	NOUN
easat-5950	37	20	's	's	PART
easat-5950	37	21	performance	performance	NOUN
easat-5950	37	22	through	through	ADP
easat-5950	37	23	october	october	PROPN
easat-5950	37	24	31	31	NUM
easat-5950	37	25	,	,	PUNCT
easat-5950	37	26	2023	2023	NUM
easat-5950	37	27	.	.	PUNCT
easat-5950	38	1	the	the	DET
easat-5950	38	2	growth	growth	NOUN
easat-5950	38	3	of	of	ADP
easat-5950	38	4	the	the	DET
easat-5950	38	5	mfi	mfi	PROPN
easat-5950	38	6	sector	sector	NOUN
easat-5950	38	7	in	in	ADP
easat-5950	38	8	an	an	DET
easat-5950	38	9	economy	economy	NOUN
easat-5950	38	10	might	might	AUX
easat-5950	38	11	result	result	VERB
easat-5950	38	12	in	in	ADP
easat-5950	38	13	a	a	DET
easat-5950	38	14	large	large	ADJ
easat-5950	38	15	increase	increase	NOUN
easat-5950	38	16	in	in	ADP
easat-5950	38	17	employment	employment	NOUN
easat-5950	38	18	.	.	PUNCT
easat-5950	39	1	mfis	mfis	PROPN
easat-5950	39	2	offer	offer	VERB
easat-5950	39	3	financial	financial	ADJ
easat-5950	39	4	services	service	NOUN
easat-5950	39	5	to	to	ADP
easat-5950	39	6	low	low	ADJ
easat-5950	39	7	-	-	PUNCT
easat-5950	39	8	income	income	NOUN
easat-5950	39	9	and	and	CCONJ
easat-5950	39	10	underprivileged	underprivileged	ADJ
easat-5950	39	11	people	people	NOUN
easat-5950	39	12	,	,	PUNCT
easat-5950	39	13	allowing	allow	VERB
easat-5950	39	14	them	they	PRON
easat-5950	39	15	to	to	PART
easat-5950	39	16	get	get	VERB
easat-5950	39	17	small	small	ADJ
easat-5950	39	18	loans	loan	NOUN
easat-5950	39	19	for	for	ADP
easat-5950	39	20	productive	productive	ADJ
easat-5950	39	21	purposes	purpose	NOUN
easat-5950	39	22	or	or	CCONJ
easat-5950	39	23	to	to	PART
easat-5950	39	24	build	build	VERB
easat-5950	39	25	their	their	PRON
easat-5950	39	26	small	small	ADJ
easat-5950	39	27	businesses	business	NOUN
easat-5950	39	28	[	[	X
easat-5950	39	29	9	9	NUM
easat-5950	39	30	]	]	PUNCT
easat-5950	39	31	.	.	PUNCT
easat-5950	40	1	deposits	deposit	NOUN
easat-5950	40	2	in	in	ADP
easat-5950	40	3	the	the	DET
easat-5950	40	4	central	central	ADJ
easat-5950	40	5	bank	bank	PROPN
easat-5950	40	6	of	of	ADP
easat-5950	40	7	kosovo	kosovo	PROPN
easat-5950	40	8	(	(	PUNCT
easat-5950	40	9	cbk	cbk	PROPN
easat-5950	40	10	)	)	PUNCT
easat-5950	40	11	by	by	ADP
easat-5950	40	12	sector	sector	NOUN
easat-5950	40	13	:	:	PUNCT
easat-5950	40	14	commercial	commercial	ADJ
easat-5950	40	15	banks	bank	NOUN
easat-5950	40	16	are	be	AUX
easat-5950	40	17	the	the	DET
easat-5950	40	18	other	other	ADJ
easat-5950	40	19	depository	depository	NOUN
easat-5950	40	20	corporations	corporation	NOUN
easat-5950	40	21	in	in	ADP
easat-5950	40	22	kosovo	kosovo	PROPN
easat-5950	40	23	,	,	PUNCT
easat-5950	40	24	while	while	SCONJ
easat-5950	40	25	other	other	ADJ
easat-5950	40	26	financial	financial	ADJ
easat-5950	40	27	corporations	corporation	NOUN
easat-5950	40	28	include	include	VERB
easat-5950	40	29	insurance	insurance	NOUN
easat-5950	40	30	firms	firm	NOUN
easat-5950	40	31	,	,	PUNCT
easat-5950	40	32	pension	pension	NOUN
easat-5950	40	33	funds	fund	NOUN
easat-5950	40	34	,	,	PUNCT
easat-5950	40	35	microfinance	microfinance	NOUN
easat-5950	40	36	institutions	institution	NOUN
easat-5950	40	37	,	,	PUNCT
easat-5950	40	38	money	money	NOUN
easat-5950	40	39	transfer	transfer	NOUN
easat-5950	40	40	agencies	agency	NOUN
easat-5950	40	41	,	,	PUNCT
easat-5950	40	42	and	and	CCONJ
easat-5950	40	43	exchange	exchange	NOUN
easat-5950	40	44	offices	office	NOUN
easat-5950	40	45	.	.	PUNCT
easat-5950	41	1	the	the	DET
easat-5950	41	2	privatization	privatization	NOUN
easat-5950	41	3	agency	agency	NOUN
easat-5950	41	4	of	of	ADP
easat-5950	41	5	kosovo	kosovo	PROPN
easat-5950	41	6	's	's	PART
easat-5950	41	7	deposits	deposit	NOUN
easat-5950	41	8	are	be	AUX
easat-5950	41	9	presented	present	VERB
easat-5950	41	10	within	within	ADP
easat-5950	41	11	central	central	ADJ
easat-5950	41	12	government	government	NOUN
easat-5950	41	13	deposits	deposit	NOUN
easat-5950	41	14	by	by	ADP
easat-5950	41	15	maturities	maturity	NOUN
easat-5950	41	16	[	[	X
easat-5950	41	17	10	10	NUM
easat-5950	41	18	]	]	PUNCT
easat-5950	41	19	.	.	PUNCT
easat-5950	42	1	the	the	DET
easat-5950	42	2	international	international	ADJ
easat-5950	42	3	labour	labour	PROPN
easat-5950	42	4	organization	organization	NOUN
easat-5950	42	5	(	(	PUNCT
easat-5950	42	6	ilo	ilo	PROPN
easat-5950	42	7	)	)	PUNCT
easat-5950	42	8	considers	consider	VERB
easat-5950	42	9	microfinance	microfinance	NOUN
easat-5950	42	10	to	to	PART
easat-5950	42	11	be	be	AUX
easat-5950	42	12	an	an	DET
easat-5950	42	13	important	important	ADJ
easat-5950	42	14	tool	tool	NOUN
easat-5950	42	15	for	for	ADP
easat-5950	42	16	labor	labor	NOUN
easat-5950	42	17	market	market	NOUN
easat-5950	42	18	reforms	reform	NOUN
easat-5950	42	19	.	.	PUNCT
easat-5950	43	1	access	access	NOUN
easat-5950	43	2	to	to	ADP
easat-5950	43	3	credit	credit	NOUN
easat-5950	43	4	from	from	ADP
easat-5950	43	5	mfis	mfis	PROPN
easat-5950	43	6	improves	improve	VERB
easat-5950	43	7	employment	employment	NOUN
easat-5950	43	8	and	and	CCONJ
easat-5950	43	9	income	income	NOUN
easat-5950	43	10	,	,	PUNCT
easat-5950	43	11	particularly	particularly	ADV
easat-5950	43	12	for	for	ADP
easat-5950	43	13	unemployed	unemployed	ADJ
easat-5950	43	14	or	or	CCONJ
easat-5950	43	15	unbanked	unbanked	ADJ
easat-5950	43	16	individuals	individual	NOUN
easat-5950	43	17	.	.	PUNCT
easat-5950	44	1	mfis	mfis	PROPN
easat-5950	44	2	encourage	encourage	VERB
easat-5950	44	3	the	the	DET
easat-5950	44	4	formation	formation	NOUN
easat-5950	44	5	of	of	ADP
easat-5950	44	6	new	new	ADJ
easat-5950	44	7	firms	firm	NOUN
easat-5950	44	8	,	,	PUNCT
easat-5950	44	9	promote	promote	VERB
easat-5950	44	10	self	self	NOUN
easat-5950	44	11	-	-	PUNCT
easat-5950	44	12	employment	employment	NOUN
easat-5950	44	13	,	,	PUNCT
easat-5950	44	14	and	and	CCONJ
easat-5950	44	15	create	create	VERB
easat-5950	44	16	jobs	job	NOUN
easat-5950	44	17	at	at	ADP
easat-5950	44	18	a	a	DET
easat-5950	44	19	lesser	less	ADJ
easat-5950	44	20	cost	cost	NOUN
easat-5950	44	21	than	than	ADP
easat-5950	44	22	typical	typical	ADJ
easat-5950	44	23	labor	labor	NOUN
easat-5950	44	24	market	market	NOUN
easat-5950	44	25	strategies	strategy	NOUN
easat-5950	44	26	.	.	PUNCT
easat-5950	45	1	these	these	DET
easat-5950	45	2	occupations	occupation	NOUN
easat-5950	45	3	boost	boost	VERB
easat-5950	45	4	entrepreneurs	entrepreneur	NOUN
easat-5950	45	5	'	'	PART
easat-5950	45	6	self	self	NOUN
easat-5950	45	7	-	-	PUNCT
easat-5950	45	8	esteem	esteem	NOUN
easat-5950	45	9	as	as	ADV
easat-5950	45	10	well	well	ADV
easat-5950	45	11	as	as	ADP
easat-5950	45	12	their	their	PRON
easat-5950	45	13	revenue	revenue	NOUN
easat-5950	45	14	.	.	PUNCT
easat-5950	46	1	as	as	ADP
easat-5950	46	2	a	a	DET
easat-5950	46	3	result	result	NOUN
easat-5950	46	4	,	,	PUNCT
easat-5950	46	5	microfinance	microfinance	NOUN
easat-5950	46	6	has	have	AUX
easat-5950	46	7	become	become	VERB
easat-5950	46	8	an	an	DET
easat-5950	46	9	increasingly	increasingly	ADV
easat-5950	46	10	essential	essential	ADJ
easat-5950	46	11	tactic	tactic	NOUN
easat-5950	46	12	in	in	ADP
easat-5950	46	13	employment	employment	NOUN
easat-5950	46	14	policy	policy	NOUN
easat-5950	47	1	[	[	X
easat-5950	47	2	11	11	NUM
easat-5950	47	3	]	]	PUNCT
easat-5950	47	4	.	.	PUNCT
easat-5950	48	1	staff	staff	NOUN
easat-5950	48	2	training	training	NOUN
easat-5950	48	3	,	,	PUNCT
easat-5950	48	4	professional	professional	ADJ
easat-5950	48	5	growth	growth	NOUN
easat-5950	48	6	,	,	PUNCT
easat-5950	48	7	and	and	CCONJ
easat-5950	48	8	the	the	DET
easat-5950	48	9	use	use	NOUN
easat-5950	48	10	of	of	ADP
easat-5950	48	11	current	current	ADJ
easat-5950	48	12	management	management	NOUN
easat-5950	48	13	practices	practice	NOUN
easat-5950	48	14	improve	improve	VERB
easat-5950	48	15	the	the	DET
easat-5950	48	16	flexibility	flexibility	NOUN
easat-5950	48	17	and	and	CCONJ
easat-5950	48	18	adaptability	adaptability	NOUN
easat-5950	48	19	of	of	ADP
easat-5950	48	20	kosovar	kosovar	PROPN
easat-5950	48	21	mfis	mfis	PROPN
easat-5950	48	22	to	to	ADP
easat-5950	48	23	environmental	environmental	ADJ
easat-5950	48	24	changes	change	NOUN
easat-5950	48	25	,	,	PUNCT
easat-5950	48	26	resulting	result	VERB
easat-5950	48	27	in	in	ADP
easat-5950	48	28	greater	great	ADJ
easat-5950	48	29	success	success	NOUN
easat-5950	48	30	and	and	CCONJ
easat-5950	48	31	better	well	ADJ
easat-5950	48	32	financial	financial	ADJ
easat-5950	48	33	services	service	NOUN
easat-5950	48	34	for	for	ADP
easat-5950	48	35	clients	client	NOUN
easat-5950	48	36	.	.	PUNCT
easat-5950	49	1	access	access	NOUN
easat-5950	49	2	to	to	ADP
easat-5950	49	3	financial	financial	ADJ
easat-5950	49	4	services	service	NOUN
easat-5950	49	5	is	be	AUX
easat-5950	49	6	critical	critical	ADJ
easat-5950	49	7	for	for	ADP
easat-5950	49	8	those	those	PRON
easat-5950	49	9	in	in	ADP
easat-5950	49	10	poverty	poverty	NOUN
easat-5950	49	11	,	,	PUNCT
easat-5950	49	12	allowing	allow	VERB
easat-5950	49	13	them	they	PRON
easat-5950	49	14	to	to	PART
easat-5950	49	15	better	well	ADV
easat-5950	49	16	control	control	VERB
easat-5950	49	17	their	their	PRON
easat-5950	49	18	spending	spending	NOUN
easat-5950	49	19	,	,	PUNCT
easat-5950	49	20	develop	develop	VERB
easat-5950	49	21	business	business	NOUN
easat-5950	49	22	opportunities	opportunity	NOUN
easat-5950	49	23	,	,	PUNCT
easat-5950	49	24	and	and	CCONJ
easat-5950	49	25	increase	increase	VERB
easat-5950	49	26	their	their	PRON
easat-5950	49	27	participation	participation	NOUN
easat-5950	49	28	in	in	ADP
easat-5950	49	29	the	the	DET
easat-5950	49	30	formal	formal	ADJ
easat-5950	49	31	economy	economy	NOUN
easat-5950	49	32	[	[	X
easat-5950	49	33	12	12	NUM
easat-5950	49	34	]	]	PUNCT
easat-5950	49	35	.	.	PUNCT
easat-5950	50	1	during	during	ADP
easat-5950	50	2	our	our	PRON
easat-5950	50	3	research	research	NOUN
easat-5950	50	4	,	,	PUNCT
easat-5950	50	5	we	we	PRON
easat-5950	50	6	attempted	attempt	VERB
easat-5950	50	7	to	to	PART
easat-5950	50	8	address	address	VERB
easat-5950	50	9	the	the	DET
easat-5950	50	10	following	follow	VERB
easat-5950	50	11	research	research	NOUN
easat-5950	50	12	question	question	NOUN
easat-5950	50	13	:	:	PUNCT
easat-5950	50	14	how	how	SCONJ
easat-5950	50	15	does	do	AUX
easat-5950	50	16	mfi	mfi	PROPN
easat-5950	50	17	activity	activity	NOUN
easat-5950	50	18	influence	influence	VERB
easat-5950	50	19	the	the	DET
easat-5950	50	20	creation	creation	NOUN
easat-5950	50	21	of	of	ADP
easat-5950	50	22	new	new	ADJ
easat-5950	50	23	jobs	job	NOUN
easat-5950	50	24	?	?	PUNCT
easat-5950	51	1	this	this	DET
easat-5950	51	2	study	study	NOUN
easat-5950	51	3	question	question	NOUN
easat-5950	51	4	's	's	PART
easat-5950	51	5	framework	framework	NOUN
easat-5950	51	6	comprised	comprise	VERB
easat-5950	51	7	four	four	NUM
easat-5950	51	8	sub	sub	NOUN
easat-5950	51	9	-	-	NOUN
easat-5950	51	10	questions	question	NOUN
easat-5950	51	11	,	,	PUNCT
easat-5950	51	12	which	which	PRON
easat-5950	51	13	are	be	AUX
easat-5950	51	14	as	as	SCONJ
easat-5950	51	15	follows	follow	VERB
easat-5950	51	16	:	:	PUNCT
easat-5950	51	17	1	1	X
easat-5950	51	18	.	.	PUNCT
easat-5950	51	19	is	be	AUX
easat-5950	51	20	there	there	PRON
easat-5950	51	21	a	a	DET
easat-5950	51	22	link	link	NOUN
easat-5950	51	23	between	between	ADP
easat-5950	51	24	microloans	microloan	NOUN
easat-5950	51	25	offered	offer	VERB
easat-5950	51	26	by	by	ADP
easat-5950	51	27	mfis	mfis	NOUN
easat-5950	51	28	and	and	CCONJ
easat-5950	51	29	job	job	NOUN
easat-5950	51	30	creation	creation	NOUN
easat-5950	51	31	?	?	PUNCT
easat-5950	52	1	2	2	X
easat-5950	52	2	.	.	X
easat-5950	52	3	is	be	AUX
easat-5950	52	4	there	there	PRON
easat-5950	52	5	a	a	DET
easat-5950	52	6	relationship	relationship	NOUN
easat-5950	52	7	between	between	ADP
easat-5950	52	8	mfis	mfis	NOUN
easat-5950	52	9	providing	provide	VERB
easat-5950	52	10	advisory	advisory	ADJ
easat-5950	52	11	services	service	NOUN
easat-5950	52	12	and	and	CCONJ
easat-5950	52	13	increased	increase	VERB
easat-5950	52	14	employment	employment	NOUN
easat-5950	52	15	?	?	PUNCT
easat-5950	53	1	3	3	X
easat-5950	53	2	.	.	X
easat-5950	53	3	does	do	AUX
easat-5950	53	4	a	a	DET
easat-5950	53	5	lack	lack	NOUN
easat-5950	53	6	of	of	ADP
easat-5950	53	7	coordination	coordination	NOUN
easat-5950	53	8	among	among	ADP
easat-5950	53	9	government	government	NOUN
easat-5950	53	10	agencies	agency	NOUN
easat-5950	53	11	affect	affect	VERB
easat-5950	53	12	the	the	DET
easat-5950	53	13	success	success	NOUN
easat-5950	53	14	of	of	ADP
easat-5950	53	15	mfi	mfi	PROPN
easat-5950	53	16	programs	program	NOUN
easat-5950	53	17	in	in	ADP
easat-5950	53	18	job	job	NOUN
easat-5950	53	19	creation	creation	NOUN
easat-5950	53	20	?	?	PUNCT
easat-5950	54	1	4	4	X
easat-5950	54	2	.	.	X
easat-5950	54	3	how	how	SCONJ
easat-5950	54	4	do	do	VERB
easat-5950	54	5	high	high	ADJ
easat-5950	54	6	interest	interest	NOUN
easat-5950	54	7	rates	rate	NOUN
easat-5950	54	8	on	on	ADP
easat-5950	54	9	microloans	microloan	NOUN
easat-5950	54	10	supplied	supply	VERB
easat-5950	54	11	by	by	ADP
easat-5950	54	12	mfis	mfis	NOUN
easat-5950	54	13	impact	impact	NOUN
easat-5950	54	14	job	job	NOUN
easat-5950	54	15	creation	creation	NOUN
easat-5950	54	16	?	?	PUNCT
easat-5950	55	1	the	the	DET
easat-5950	55	2	paper	paper	NOUN
easat-5950	55	3	's	's	PART
easat-5950	55	4	structure	structure	NOUN
easat-5950	55	5	is	be	AUX
easat-5950	55	6	as	as	SCONJ
easat-5950	55	7	follows	follow	VERB
easat-5950	55	8	:	:	PUNCT
easat-5950	55	9	section	section	NOUN
easat-5950	55	10	1	1	NUM
easat-5950	55	11	:	:	PUNCT
easat-5950	55	12	introduction	introduction	NOUN
easat-5950	55	13	.	.	PUNCT
easat-5950	56	1	section	section	NOUN
easat-5950	56	2	2	2	NUM
easat-5950	56	3	:	:	PUNCT
easat-5950	56	4	literature	literature	PROPN
easat-5950	56	5	review	review	PROPN
easat-5950	56	6	.	.	PUNCT
easat-5950	57	1	section	section	NOUN
easat-5950	57	2	3	3	NUM
easat-5950	57	3	:	:	PUNCT
easat-5950	57	4	research	research	NOUN
easat-5950	57	5	methodology	methodology	NOUN
easat-5950	57	6	.	.	PUNCT
easat-5950	58	1	section	section	NOUN
easat-5950	58	2	4	4	NUM
easat-5950	58	3	:	:	PUNCT
easat-5950	58	4	data	datum	NOUN
easat-5950	58	5	analysis	analysis	NOUN
easat-5950	58	6	and	and	CCONJ
easat-5950	58	7	results	result	NOUN
easat-5950	58	8	.	.	PUNCT
easat-5950	59	1	section	section	NOUN
easat-5950	59	2	5	5	NUM
easat-5950	59	3	:	:	PUNCT
easat-5950	59	4	discussions	discussion	NOUN
easat-5950	59	5	and	and	CCONJ
easat-5950	59	6	section	section	NOUN
easat-5950	59	7	6	6	NUM
easat-5950	59	8	:	:	PUNCT
easat-5950	59	9	conclusions	conclusion	NOUN
easat-5950	59	10	and	and	CCONJ
easat-5950	59	11	recommendations	recommendation	NOUN
easat-5950	59	12	based	base	VERB
easat-5950	59	13	on	on	ADP
easat-5950	59	14	this	this	DET
easat-5950	59	15	study	study	NOUN
easat-5950	59	16	.	.	PUNCT
easat-5950	60	1	2	2	X
easat-5950	60	2	.	.	X
easat-5950	60	3	literature	literature	NOUN
easat-5950	60	4	review	review	VERB
easat-5950	60	5	various	various	ADJ
easat-5950	60	6	researchers	researcher	NOUN
easat-5950	60	7	have	have	AUX
easat-5950	60	8	used	use	VERB
easat-5950	60	9	research	research	NOUN
easat-5950	60	10	to	to	PART
easat-5950	60	11	determine	determine	VERB
easat-5950	60	12	the	the	DET
easat-5950	60	13	existence	existence	NOUN
easat-5950	60	14	of	of	ADP
easat-5950	60	15	links	link	NOUN
easat-5950	60	16	between	between	ADP
easat-5950	60	17	microloans	microloan	NOUN
easat-5950	60	18	provided	provide	VERB
easat-5950	60	19	by	by	ADP
easat-5950	60	20	imfs	imfs	NOUN
easat-5950	60	21	and	and	CCONJ
easat-5950	60	22	job	job	NOUN
easat-5950	60	23	creation	creation	NOUN
easat-5950	60	24	,	,	PUNCT
easat-5950	60	25	the	the	DET
easat-5950	60	26	provision	provision	NOUN
easat-5950	60	27	of	of	ADP
easat-5950	60	28	consultancy	consultancy	NOUN
easat-5950	60	29	services	service	NOUN
easat-5950	60	30	by	by	ADP
easat-5950	60	31	imfs	imfs	NOUN
easat-5950	60	32	and	and	CCONJ
easat-5950	60	33	employment	employment	NOUN
easat-5950	60	34	growth	growth	NOUN
easat-5950	60	35	,	,	PUNCT
easat-5950	60	36	the	the	DET
easat-5950	60	37	impact	impact	NOUN
easat-5950	60	38	of	of	ADP
easat-5950	60	39	coordination	coordination	NOUN
easat-5950	60	40	between	between	ADP
easat-5950	60	41	government	government	NOUN
easat-5950	60	42	agencies	agency	NOUN
easat-5950	60	43	on	on	ADP
easat-5950	60	44	the	the	DET
easat-5950	60	45	success	success	NOUN
easat-5950	60	46	of	of	ADP
easat-5950	60	47	imf	imf	PROPN
easat-5950	60	48	programs	program	NOUN
easat-5950	60	49	in	in	ADP
easat-5950	60	50	job	job	NOUN
easat-5950	60	51	creation	creation	NOUN
easat-5950	60	52	,	,	PUNCT
easat-5950	60	53	and	and	CCONJ
easat-5950	60	54	the	the	DET
easat-5950	60	55	impact	impact	NOUN
easat-5950	60	56	of	of	ADP
easat-5950	60	57	high	high	ADJ
easat-5950	60	58	interest	interest	NOUN
easat-5950	60	59	rates	rate	NOUN
easat-5950	60	60	on	on	ADP
easat-5950	60	61	microloans	microloan	NOUN
easat-5950	60	62	provided	provide	VERB
easat-5950	60	63	by	by	ADP
easat-5950	60	64	imfs	imfs	NOUN
easat-5950	60	65	on	on	ADP
easat-5950	60	66	job	job	NOUN
easat-5950	60	67	creation	creation	NOUN
easat-5950	60	68	[	[	X
easat-5950	60	69	1316	1316	NUM
easat-5950	60	70	]	]	PUNCT
easat-5950	60	71	.	.	PUNCT
easat-5950	61	1	similarly	similarly	ADV
easat-5950	61	2	,	,	PUNCT
easat-5950	61	3	data	datum	NOUN
easat-5950	61	4	from	from	ADP
easat-5950	61	5	many	many	ADJ
easat-5950	61	6	reputable	reputable	ADJ
easat-5950	61	7	entities	entity	NOUN
easat-5950	61	8	were	be	AUX
easat-5950	61	9	used	use	VERB
easat-5950	61	10	(	(	PUNCT
easat-5950	61	11	central	central	ADJ
easat-5950	61	12	bank	bank	NOUN
easat-5950	61	13	of	of	ADP
easat-5950	61	14	kosovo	kosovo	PROPN
easat-5950	61	15	,	,	PUNCT
easat-5950	61	16	world	world	PROPN
easat-5950	61	17	bank	bank	PROPN
easat-5950	61	18	,	,	PUNCT
easat-5950	61	19	association	association	NOUN
easat-5950	61	20	of	of	ADP
easat-5950	61	21	microfinance	microfinance	NOUN
easat-5950	61	22	entities	entity	NOUN
easat-5950	61	23	of	of	ADP
easat-5950	61	24	kosovo	kosovo	PROPN
easat-5950	61	25	,	,	PUNCT
easat-5950	61	26	american	american	PROPN
easat-5950	61	27	chamber	chamber	PROPN
easat-5950	61	28	of	of	ADP
easat-5950	61	29	commerce	commerce	PROPN
easat-5950	61	30	of	of	ADP
easat-5950	61	31	kosovo	kosovo	PROPN
easat-5950	61	32	,	,	PUNCT
easat-5950	61	33	international	international	ADJ
easat-5950	61	34	monetary	monetary	ADJ
easat-5950	61	35	fund	fund	PROPN
easat-5950	61	36	,	,	PUNCT
easat-5950	61	37	ministry	ministry	PROPN
easat-5950	61	38	of	of	ADP
easat-5950	61	39	finance	finance	PROPN
easat-5950	61	40	,	,	PUNCT
easat-5950	61	41	kosovo	kosovo	PROPN
easat-5950	61	42	agency	agency	PROPN
easat-5950	61	43	of	of	ADP
easat-5950	61	44	statistics	statistic	NOUN
easat-5950	61	45	,	,	PUNCT
easat-5950	61	46	and	and	CCONJ
easat-5950	61	47	so	so	ADV
easat-5950	61	48	on	on	ADV
easat-5950	61	49	)	)	PUNCT
easat-5950	61	50	.	.	PUNCT
easat-5950	62	1	microfinancing	microfinancing	NOUN
easat-5950	62	2	has	have	AUX
easat-5950	62	3	been	be	AUX
easat-5950	62	4	targeted	target	VERB
easat-5950	62	5	as	as	ADP
easat-5950	62	6	a	a	DET
easat-5950	62	7	tool	tool	NOUN
easat-5950	62	8	to	to	PART
easat-5950	62	9	address	address	VERB
easat-5950	62	10	poverty	poverty	NOUN
easat-5950	62	11	through	through	ADP
easat-5950	62	12	the	the	DET
easat-5950	62	13	provision	provision	NOUN
easat-5950	62	14	of	of	ADP
easat-5950	62	15	credit	credit	NOUN
easat-5950	62	16	to	to	ADP
easat-5950	62	17	the	the	DET
easat-5950	62	18	poor	poor	ADJ
easat-5950	62	19	and	and	CCONJ
easat-5950	62	20	marginalized	marginalize	VERB
easat-5950	62	21	economic	economic	ADJ
easat-5950	62	22	functions	function	NOUN
easat-5950	62	23	[	[	X
easat-5950	62	24	17	17	NUM
easat-5950	62	25	]	]	PUNCT
easat-5950	62	26	.	.	PUNCT
easat-5950	63	1	microfinance	microfinance	NOUN
easat-5950	63	2	strives	strive	VERB
easat-5950	63	3	to	to	PART
easat-5950	63	4	increase	increase	VERB
easat-5950	63	5	access	access	NOUN
easat-5950	63	6	to	to	ADP
easat-5950	63	7	deposits	deposit	NOUN
easat-5950	63	8	and	and	CCONJ
easat-5950	63	9	small	small	ADJ
easat-5950	63	10	loans	loan	NOUN
easat-5950	63	11	for	for	ADP
easat-5950	63	12	low	low	ADJ
easat-5950	63	13	-	-	PUNCT
easat-5950	63	14	income	income	NOUN
easat-5950	63	15	persons	person	NOUN
easat-5950	63	16	who	who	PRON
easat-5950	63	17	are	be	AUX
easat-5950	63	18	excluded	exclude	VERB
easat-5950	63	19	from	from	ADP
easat-5950	63	20	regular	regular	ADJ
easat-5950	63	21	banking	banking	NOUN
easat-5950	63	22	.	.	PUNCT
easat-5950	64	1	microsavings	microsaving	NOUN
easat-5950	64	2	is	be	AUX
easat-5950	64	3	a	a	DET
easat-5950	64	4	subcategory	subcategory	NOUN
easat-5950	64	5	of	of	ADP
easat-5950	64	6	microfinance	microfinance	NOUN
easat-5950	64	7	that	that	PRON
easat-5950	64	8	offers	offer	VERB
easat-5950	64	9	small	small	ADJ
easat-5950	64	10	deposit	deposit	NOUN
easat-5950	64	11	accounts	account	NOUN
easat-5950	64	12	to	to	ADP
easat-5950	64	13	low	low	ADJ
easat-5950	64	14	-	-	PUNCT
easat-5950	64	15	income	income	NOUN
easat-5950	64	16	families	family	NOUN
easat-5950	64	17	or	or	CCONJ
easat-5950	64	18	individuals	individual	NOUN
easat-5950	64	19	.	.	PUNCT
easat-5950	65	1	148	148	NUM
easat-5950	65	2	edelweiss	edelweiss	PROPN
easat-5950	65	3	applied	apply	VERB
easat-5950	65	4	science	science	NOUN
easat-5950	65	5	and	and	CCONJ
easat-5950	65	6	technology	technology	NOUN
easat-5950	65	7	issn	issn	PROPN
easat-5950	65	8	:	:	PUNCT
easat-5950	65	9	2576	2576	NUM
easat-5950	65	10	-	-	SYM
easat-5950	65	11	8484	8484	NUM
easat-5950	65	12	vol	vol	NOUN
easat-5950	65	13	.	.	PROPN
easat-5950	66	1	9	9	NUM
easat-5950	66	2	,	,	PUNCT
easat-5950	66	3	no	no	INTJ
easat-5950	66	4	.	.	NOUN
easat-5950	67	1	4	4	NUM
easat-5950	67	2	:	:	SYM
easat-5950	67	3	146	146	NUM
easat-5950	67	4	-	-	SYM
easat-5950	67	5	156	156	NUM
easat-5950	67	6	,	,	PUNCT
easat-5950	67	7	2025	2025	NUM
easat-5950	67	8	doi	doi	NOUN
easat-5950	67	9	:	:	PUNCT
easat-5950	67	10	10.55214/25768484.v9i4.5950	10.55214/25768484.v9i4.5950	NUM
easat-5950	67	11	©	©	PROPN
easat-5950	67	12	2025	2025	NUM
easat-5950	67	13	by	by	ADP
easat-5950	67	14	the	the	DET
easat-5950	67	15	authors	author	NOUN
easat-5950	67	16	;	;	PUNCT
easat-5950	67	17	licensee	licensee	PROPN
easat-5950	67	18	learning	learning	NOUN
easat-5950	67	19	gate	gate	VERB
easat-5950	67	20	these	these	DET
easat-5950	67	21	accounts	account	NOUN
easat-5950	67	22	encourage	encourage	VERB
easat-5950	67	23	long	long	ADJ
easat-5950	67	24	-	-	PUNCT
easat-5950	67	25	term	term	NOUN
easat-5950	67	26	savings	saving	NOUN
easat-5950	67	27	and	and	CCONJ
easat-5950	67	28	operate	operate	VERB
easat-5950	67	29	similarly	similarly	ADV
easat-5950	67	30	to	to	ADP
easat-5950	67	31	standard	standard	ADJ
easat-5950	67	32	savings	saving	NOUN
easat-5950	67	33	accounts	account	NOUN
easat-5950	67	34	,	,	PUNCT
easat-5950	67	35	but	but	CCONJ
easat-5950	67	36	with	with	ADP
easat-5950	67	37	lower	low	ADJ
easat-5950	67	38	minimum	minimum	ADJ
easat-5950	67	39	balances	balance	NOUN
easat-5950	67	40	.	.	PUNCT
easat-5950	68	1	as	as	ADP
easat-5950	68	2	a	a	DET
easat-5950	68	3	result	result	NOUN
easat-5950	68	4	,	,	PUNCT
easat-5950	68	5	the	the	DET
easat-5950	68	6	typical	typical	ADJ
easat-5950	68	7	balance	balance	NOUN
easat-5950	68	8	criteria	criterion	NOUN
easat-5950	68	9	for	for	ADP
easat-5950	68	10	opening	open	VERB
easat-5950	68	11	an	an	DET
easat-5950	68	12	account	account	NOUN
easat-5950	68	13	are	be	AUX
easat-5950	68	14	either	either	ADV
easat-5950	68	15	ignored	ignore	VERB
easat-5950	68	16	or	or	CCONJ
easat-5950	68	17	extremely	extremely	ADV
easat-5950	68	18	low	low	ADJ
easat-5950	68	19	,	,	PUNCT
easat-5950	68	20	allowing	allow	VERB
easat-5950	68	21	for	for	ADP
easat-5950	68	22	small	small	ADJ
easat-5950	68	23	-	-	PUNCT
easat-5950	68	24	scale	scale	NOUN
easat-5950	68	25	savings	saving	NOUN
easat-5950	68	26	without	without	ADP
easat-5950	68	27	incurring	incur	VERB
easat-5950	68	28	large	large	ADJ
easat-5950	68	29	service	service	NOUN
easat-5950	68	30	fees	fee	NOUN
easat-5950	68	31	.	.	PUNCT
easat-5950	69	1	this	this	PRON
easat-5950	69	2	includes	include	VERB
easat-5950	69	3	offering	offer	VERB
easat-5950	69	4	financial	financial	ADJ
easat-5950	69	5	services	service	NOUN
easat-5950	69	6	to	to	ADP
easat-5950	69	7	low	low	ADJ
easat-5950	69	8	-	-	PUNCT
easat-5950	69	9	income	income	NOUN
easat-5950	69	10	people	people	NOUN
easat-5950	69	11	in	in	ADP
easat-5950	69	12	both	both	CCONJ
easat-5950	69	13	urban	urban	ADJ
easat-5950	69	14	and	and	CCONJ
easat-5950	69	15	rural	rural	ADJ
easat-5950	69	16	locations	location	NOUN
easat-5950	69	17	[	[	X
easat-5950	69	18	18	18	NUM
easat-5950	69	19	]	]	PUNCT
easat-5950	69	20	.	.	PUNCT
easat-5950	70	1	microcredit	microcredit	PROPN
easat-5950	70	2	can	can	AUX
easat-5950	70	3	also	also	ADV
easat-5950	70	4	be	be	AUX
easat-5950	70	5	referred	refer	VERB
easat-5950	70	6	to	to	ADP
easat-5950	70	7	as	as	ADP
easat-5950	70	8	"	"	PUNCT
easat-5950	70	9	microlending	microlending	NOUN
easat-5950	70	10	"	"	PUNCT
easat-5950	70	11	or	or	CCONJ
easat-5950	70	12	"	"	PUNCT
easat-5950	70	13	microloans	microloan	NOUN
easat-5950	70	14	.	.	PUNCT
easat-5950	70	15	"	"	PUNCT
easat-5950	71	1	microcredit	microcredit	NOUN
easat-5950	71	2	is	be	AUX
easat-5950	71	3	a	a	DET
easat-5950	71	4	method	method	NOUN
easat-5950	71	5	of	of	ADP
easat-5950	71	6	giving	give	VERB
easat-5950	71	7	individuals	individual	NOUN
easat-5950	71	8	small	small	ADJ
easat-5950	71	9	sums	sum	NOUN
easat-5950	71	10	of	of	ADP
easat-5950	71	11	money	money	NOUN
easat-5950	71	12	to	to	PART
easat-5950	71	13	establish	establish	VERB
easat-5950	71	14	or	or	CCONJ
easat-5950	71	15	expand	expand	VERB
easat-5950	71	16	a	a	DET
easat-5950	71	17	small	small	ADJ
easat-5950	71	18	business	business	NOUN
easat-5950	71	19	.	.	PUNCT
easat-5950	72	1	microfinance	microfinance	NOUN
easat-5950	72	2	borrowers	borrower	NOUN
easat-5950	72	3	are	be	AUX
easat-5950	72	4	typically	typically	ADV
easat-5950	72	5	low	low	ADJ
easat-5950	72	6	-	-	PUNCT
easat-5950	72	7	income	income	NOUN
easat-5950	72	8	individuals	individual	NOUN
easat-5950	72	9	,	,	PUNCT
easat-5950	72	10	and	and	CCONJ
easat-5950	72	11	the	the	DET
easat-5950	72	12	concept	concept	NOUN
easat-5950	72	13	began	begin	VERB
easat-5950	72	14	in	in	ADP
easat-5950	72	15	bangladesh	bangladesh	PROPN
easat-5950	72	16	.	.	PUNCT
easat-5950	73	1	mfis	mfis	PROPN
easat-5950	73	2	play	play	VERB
easat-5950	73	3	an	an	DET
easat-5950	73	4	important	important	ADJ
easat-5950	73	5	role	role	NOUN
easat-5950	73	6	in	in	ADP
easat-5950	73	7	increasing	increase	VERB
easat-5950	73	8	financial	financial	ADJ
easat-5950	73	9	inclusion	inclusion	NOUN
easat-5950	73	10	,	,	PUNCT
easat-5950	73	11	particularly	particularly	ADV
easat-5950	73	12	in	in	ADP
easat-5950	73	13	rural	rural	ADJ
easat-5950	73	14	areas	area	NOUN
easat-5950	73	15	with	with	ADP
easat-5950	73	16	limited	limited	ADJ
easat-5950	73	17	conventional	conventional	ADJ
easat-5950	73	18	banking	banking	NOUN
easat-5950	73	19	facilities	facility	NOUN
easat-5950	73	20	[	[	X
easat-5950	73	21	19	19	NUM
easat-5950	73	22	]	]	PUNCT
easat-5950	73	23	.	.	PUNCT
easat-5950	74	1	most	most	ADJ
easat-5950	74	2	microfinance	microfinance	NOUN
easat-5950	74	3	initiatives	initiative	NOUN
easat-5950	74	4	are	be	AUX
easat-5950	74	5	based	base	VERB
easat-5950	74	6	on	on	ADP
easat-5950	74	7	the	the	DET
easat-5950	74	8	group	group	NOUN
easat-5950	74	9	lending	lending	NOUN
easat-5950	74	10	model	model	NOUN
easat-5950	74	11	pioneered	pioneer	VERB
easat-5950	74	12	by	by	ADP
easat-5950	74	13	nobel	nobel	PROPN
easat-5950	74	14	laureate	laureate	PROPN
easat-5950	74	15	muhammad	muhammad	PROPN
easat-5950	74	16	yunus	yunus	PROPN
easat-5950	74	17	and	and	CCONJ
easat-5950	74	18	his	his	PRON
easat-5950	74	19	grameen	grameen	PROPN
easat-5950	74	20	bank	bank	PROPN
easat-5950	75	1	[	[	X
easat-5950	75	2	20	20	NUM
easat-5950	75	3	]	]	PUNCT
easat-5950	75	4	.	.	PUNCT
easat-5950	76	1	although	although	SCONJ
easat-5950	76	2	there	there	PRON
easat-5950	76	3	is	be	VERB
easat-5950	76	4	an	an	DET
easat-5950	76	5	abundance	abundance	NOUN
easat-5950	76	6	of	of	ADP
easat-5950	76	7	research	research	NOUN
easat-5950	76	8	on	on	ADP
easat-5950	76	9	microfinance	microfinance	NOUN
easat-5950	76	10	in	in	ADP
easat-5950	76	11	job	job	NOUN
easat-5950	76	12	creation	creation	NOUN
easat-5950	76	13	,	,	PUNCT
easat-5950	76	14	there	there	PRON
easat-5950	76	15	is	be	VERB
easat-5950	76	16	a	a	DET
easat-5950	76	17	lack	lack	NOUN
easat-5950	76	18	of	of	ADP
easat-5950	76	19	research	research	NOUN
easat-5950	76	20	on	on	ADP
easat-5950	76	21	the	the	DET
easat-5950	76	22	links	link	NOUN
easat-5950	76	23	between	between	ADP
easat-5950	76	24	mfi	mfi	PROPN
easat-5950	76	25	microloans	microloan	NOUN
easat-5950	76	26	and	and	CCONJ
easat-5950	76	27	job	job	NOUN
easat-5950	76	28	creation	creation	NOUN
easat-5950	76	29	,	,	PUNCT
easat-5950	76	30	mfi	mfi	PROPN
easat-5950	76	31	advisory	advisory	PROPN
easat-5950	76	32	services	service	NOUN
easat-5950	76	33	and	and	CCONJ
easat-5950	76	34	employment	employment	NOUN
easat-5950	76	35	growth	growth	NOUN
easat-5950	76	36	,	,	PUNCT
easat-5950	76	37	the	the	DET
easat-5950	76	38	impact	impact	NOUN
easat-5950	76	39	of	of	ADP
easat-5950	76	40	government	government	NOUN
easat-5950	76	41	agency	agency	NOUN
easat-5950	76	42	coordination	coordination	NOUN
easat-5950	76	43	on	on	ADP
easat-5950	76	44	the	the	DET
easat-5950	76	45	success	success	NOUN
easat-5950	76	46	of	of	ADP
easat-5950	76	47	mfi	mfi	PROPN
easat-5950	76	48	programs	program	NOUN
easat-5950	76	49	in	in	ADP
easat-5950	76	50	job	job	NOUN
easat-5950	76	51	creation	creation	NOUN
easat-5950	76	52	,	,	PUNCT
easat-5950	76	53	and	and	CCONJ
easat-5950	76	54	the	the	DET
easat-5950	76	55	impact	impact	NOUN
easat-5950	76	56	of	of	ADP
easat-5950	76	57	high	high	ADJ
easat-5950	76	58	interest	interest	NOUN
easat-5950	76	59	rates	rate	NOUN
easat-5950	76	60	on	on	ADP
easat-5950	76	61	mfi	mfi	PROPN
easat-5950	76	62	microloans	microloan	NOUN
easat-5950	76	63	on	on	ADP
easat-5950	76	64	job	job	NOUN
easat-5950	76	65	creation	creation	NOUN
easat-5950	76	66	.	.	PUNCT
easat-5950	77	1	the	the	DET
easat-5950	77	2	literature	literature	PROPN
easat-5950	77	3	review	review	NOUN
easat-5950	77	4	was	be	AUX
easat-5950	77	5	conducted	conduct	VERB
easat-5950	77	6	in	in	ADP
easat-5950	77	7	both	both	CCONJ
easat-5950	77	8	theoretical	theoretical	ADJ
easat-5950	77	9	and	and	CCONJ
easat-5950	77	10	empirical	empirical	ADJ
easat-5950	77	11	terms	term	NOUN
easat-5950	77	12	on	on	ADP
easat-5950	77	13	the	the	DET
easat-5950	77	14	relationship	relationship	NOUN
easat-5950	77	15	between	between	ADP
easat-5950	77	16	microcredit	microcredit	NOUN
easat-5950	77	17	and	and	CCONJ
easat-5950	77	18	job	job	NOUN
easat-5950	77	19	creation	creation	NOUN
easat-5950	77	20	,	,	PUNCT
easat-5950	77	21	the	the	DET
easat-5950	77	22	role	role	NOUN
easat-5950	77	23	of	of	ADP
easat-5950	77	24	mfi	mfi	PROPN
easat-5950	77	25	advisory	advisory	PROPN
easat-5950	77	26	services	service	NOUN
easat-5950	77	27	to	to	ADP
easat-5950	77	28	clients	client	NOUN
easat-5950	77	29	in	in	ADP
easat-5950	77	30	terms	term	NOUN
easat-5950	77	31	of	of	ADP
easat-5950	77	32	job	job	NOUN
easat-5950	77	33	creation	creation	NOUN
easat-5950	77	34	,	,	PUNCT
easat-5950	77	35	the	the	DET
easat-5950	77	36	coordination	coordination	NOUN
easat-5950	77	37	of	of	ADP
easat-5950	77	38	mfi	mfi	PROPN
easat-5950	77	39	programs	program	NOUN
easat-5950	77	40	with	with	ADP
easat-5950	77	41	agencies	agency	NOUN
easat-5950	77	42	,	,	PUNCT
easat-5950	77	43	and	and	CCONJ
easat-5950	77	44	mfis	mfis	VERB
easat-5950	77	45	'	'	PART
easat-5950	77	46	contributions	contribution	NOUN
easat-5950	77	47	to	to	ADP
easat-5950	77	48	job	job	NOUN
easat-5950	77	49	creation	creation	NOUN
easat-5950	77	50	,	,	PUNCT
easat-5950	77	51	which	which	PRON
easat-5950	77	52	are	be	AUX
easat-5950	77	53	presented	present	VERB
easat-5950	77	54	below	below	ADP
easat-5950	77	55	.	.	PUNCT
easat-5950	78	1	governments	government	NOUN
easat-5950	78	2	,	,	PUNCT
easat-5950	78	3	banks	bank	NOUN
easat-5950	78	4	,	,	PUNCT
easat-5950	78	5	and	and	CCONJ
easat-5950	78	6	non	non	ADJ
easat-5950	78	7	-	-	ADJ
easat-5950	78	8	governmental	governmental	ADJ
easat-5950	78	9	organizations	organization	NOUN
easat-5950	78	10	(	(	PUNCT
easat-5950	78	11	ngos	ngo	NOUN
easat-5950	78	12	)	)	PUNCT
easat-5950	78	13	employ	employ	VERB
easat-5950	78	14	microfinance	microfinance	NOUN
easat-5950	78	15	to	to	PART
easat-5950	78	16	address	address	VERB
easat-5950	78	17	poverty	poverty	NOUN
easat-5950	78	18	,	,	PUNCT
easat-5950	78	19	which	which	PRON
easat-5950	78	20	affects	affect	VERB
easat-5950	78	21	nearly	nearly	ADV
easat-5950	78	22	two	two	NUM
easat-5950	78	23	billion	billion	NUM
easat-5950	78	24	people	people	NOUN
easat-5950	78	25	living	live	VERB
easat-5950	78	26	on	on	ADP
easat-5950	78	27	less	less	ADJ
easat-5950	78	28	than	than	ADP
easat-5950	78	29	us$2	us$2	ADJ
easat-5950	78	30	per	per	ADP
easat-5950	78	31	day	day	NOUN
easat-5950	78	32	[	[	X
easat-5950	78	33	21	21	NUM
easat-5950	78	34	]	]	PUNCT
easat-5950	78	35	.	.	PUNCT
easat-5950	79	1	according	accord	VERB
easat-5950	79	2	to	to	ADP
easat-5950	79	3	fidler	fidler	NOUN
easat-5950	79	4	and	and	CCONJ
easat-5950	79	5	robinson	robinson	PROPN
easat-5950	79	6	[	[	X
easat-5950	79	7	22	22	NUM
easat-5950	79	8	]	]	X
easat-5950	79	9	microfinance	microfinance	NOUN
easat-5950	79	10	refers	refer	VERB
easat-5950	79	11	to	to	ADP
easat-5950	79	12	fundamental	fundamental	ADJ
easat-5950	79	13	financial	financial	ADJ
easat-5950	79	14	services	service	NOUN
easat-5950	79	15	such	such	ADJ
easat-5950	79	16	as	as	ADP
easat-5950	79	17	lending	lending	NOUN
easat-5950	79	18	and	and	CCONJ
easat-5950	79	19	savings	saving	NOUN
easat-5950	79	20	provided	provide	VERB
easat-5950	79	21	to	to	ADP
easat-5950	79	22	persons	person	NOUN
easat-5950	79	23	engaged	engage	VERB
easat-5950	79	24	in	in	ADP
easat-5950	79	25	agriculture	agriculture	NOUN
easat-5950	79	26	,	,	PUNCT
easat-5950	79	27	small	small	ADJ
easat-5950	79	28	companies	company	NOUN
easat-5950	79	29	,	,	PUNCT
easat-5950	79	30	and	and	CCONJ
easat-5950	79	31	microenterprises	microenterprise	NOUN
easat-5950	79	32	,	,	PUNCT
easat-5950	79	33	mostly	mostly	ADV
easat-5950	79	34	in	in	ADP
easat-5950	79	35	developing	develop	VERB
easat-5950	79	36	countries	country	NOUN
easat-5950	79	37	'	'	PART
easat-5950	79	38	rural	rural	ADJ
easat-5950	79	39	and	and	CCONJ
easat-5950	79	40	urban	urban	ADJ
easat-5950	79	41	areas	area	NOUN
easat-5950	79	42	.	.	PUNCT
easat-5950	80	1	according	accord	VERB
easat-5950	80	2	to	to	ADP
easat-5950	80	3	mersland	mersland	PROPN
easat-5950	80	4	and	and	CCONJ
easat-5950	80	5	strøm	strøm	VERB
easat-5950	80	6	[	[	X
easat-5950	80	7	23	23	NUM
easat-5950	80	8	]	]	X
easat-5950	80	9	many	many	ADJ
easat-5950	80	10	of	of	ADP
easat-5950	80	11	these	these	DET
easat-5950	80	12	individuals	individual	NOUN
easat-5950	80	13	lack	lack	VERB
easat-5950	80	14	access	access	NOUN
easat-5950	80	15	to	to	ADP
easat-5950	80	16	conventional	conventional	ADJ
easat-5950	80	17	financial	financial	ADJ
easat-5950	80	18	institutions	institution	NOUN
easat-5950	80	19	.	.	PUNCT
easat-5950	81	1	microfinance	microfinance	NOUN
easat-5950	81	2	institutions	institution	NOUN
easat-5950	81	3	(	(	PUNCT
easat-5950	81	4	mfis	mfis	PROPN
easat-5950	81	5	)	)	PUNCT
easat-5950	81	6	expanded	expand	VERB
easat-5950	81	7	significantly	significantly	ADV
easat-5950	81	8	during	during	ADP
easat-5950	81	9	the	the	DET
easat-5950	81	10	1990s	1990s	NUM
easat-5950	81	11	,	,	PUNCT
easat-5950	81	12	with	with	ADP
easat-5950	81	13	a	a	DET
easat-5950	81	14	large	large	ADJ
easat-5950	81	15	increase	increase	NOUN
easat-5950	81	16	in	in	ADP
easat-5950	81	17	their	their	PRON
easat-5950	81	18	financial	financial	ADJ
easat-5950	81	19	capacity	capacity	NOUN
easat-5950	81	20	to	to	PART
easat-5950	81	21	provide	provide	VERB
easat-5950	81	22	modest	modest	ADJ
easat-5950	81	23	loans	loan	NOUN
easat-5950	81	24	fidler	fidler	NOUN
easat-5950	81	25	and	and	CCONJ
easat-5950	81	26	robinson	robinson	PROPN
easat-5950	82	1	[	[	X
easat-5950	82	2	22	22	NUM
easat-5950	82	3	]	]	PUNCT
easat-5950	82	4	.	.	PUNCT
easat-5950	83	1	dichter	dichter	NOUN
easat-5950	84	1	[	[	X
easat-5950	84	2	24	24	NUM
easat-5950	84	3	]	]	PUNCT
easat-5950	84	4	refers	refer	VERB
easat-5950	84	5	to	to	ADP
easat-5950	84	6	this	this	DET
easat-5950	84	7	decade	decade	NOUN
easat-5950	84	8	as	as	ADP
easat-5950	84	9	the	the	DET
easat-5950	84	10	"	"	PUNCT
easat-5950	84	11	decade	decade	NOUN
easat-5950	84	12	of	of	ADP
easat-5950	84	13	microfinance	microfinance	NOUN
easat-5950	84	14	,	,	PUNCT
easat-5950	84	15	"	"	PUNCT
easat-5950	84	16	citing	cite	VERB
easat-5950	84	17	its	its	PRON
easat-5950	84	18	evolution	evolution	NOUN
easat-5950	84	19	from	from	ADP
easat-5950	84	20	a	a	DET
easat-5950	84	21	small	small	ADJ
easat-5950	84	22	project	project	NOUN
easat-5950	84	23	to	to	PART
easat-5950	84	24	assist	assist	VERB
easat-5950	84	25	the	the	DET
easat-5950	84	26	poor	poor	ADJ
easat-5950	84	27	to	to	ADP
easat-5950	84	28	a	a	DET
easat-5950	84	29	full	full	ADV
easat-5950	84	30	-	-	PUNCT
easat-5950	84	31	fledged	fledge	VERB
easat-5950	84	32	industry	industry	NOUN
easat-5950	84	33	[	[	X
easat-5950	84	34	25	25	NUM
easat-5950	84	35	]	]	PUNCT
easat-5950	84	36	.	.	PUNCT
easat-5950	85	1	traditional	traditional	ADJ
easat-5950	85	2	banks	bank	NOUN
easat-5950	85	3	frequently	frequently	ADV
easat-5950	85	4	refuse	refuse	VERB
easat-5950	85	5	credit	credit	NOUN
easat-5950	85	6	requests	request	NOUN
easat-5950	85	7	from	from	ADP
easat-5950	85	8	the	the	DET
easat-5950	85	9	informal	informal	ADJ
easat-5950	85	10	sector	sector	NOUN
easat-5950	85	11	,	,	PUNCT
easat-5950	85	12	which	which	PRON
easat-5950	85	13	is	be	AUX
easat-5950	85	14	prevalent	prevalent	ADJ
easat-5950	85	15	in	in	ADP
easat-5950	85	16	developing	develop	VERB
easat-5950	85	17	nations	nation	NOUN
easat-5950	85	18	and	and	CCONJ
easat-5950	85	19	employs	employ	VERB
easat-5950	85	20	the	the	DET
easat-5950	85	21	vast	vast	ADJ
easat-5950	85	22	majority	majority	NOUN
easat-5950	85	23	of	of	ADP
easat-5950	85	24	the	the	DET
easat-5950	85	25	poor	poor	ADJ
easat-5950	85	26	.	.	PUNCT
easat-5950	86	1	microfinance	microfinance	NOUN
easat-5950	86	2	institutions	institution	NOUN
easat-5950	86	3	,	,	PUNCT
easat-5950	86	4	on	on	ADP
easat-5950	86	5	the	the	DET
easat-5950	86	6	other	other	ADJ
easat-5950	86	7	hand	hand	NOUN
easat-5950	86	8	,	,	PUNCT
easat-5950	86	9	lend	lend	VERB
easat-5950	86	10	to	to	ADP
easat-5950	86	11	a	a	DET
easat-5950	86	12	far	far	ADV
easat-5950	86	13	broader	broad	ADJ
easat-5950	86	14	spectrum	spectrum	NOUN
easat-5950	86	15	of	of	ADP
easat-5950	86	16	people	people	NOUN
easat-5950	86	17	,	,	PUNCT
easat-5950	86	18	regardless	regardless	ADV
easat-5950	86	19	of	of	ADP
easat-5950	86	20	their	their	PRON
easat-5950	86	21	industry	industry	NOUN
easat-5950	86	22	,	,	PUNCT
easat-5950	86	23	as	as	ADV
easat-5950	86	24	long	long	ADV
easat-5950	86	25	as	as	SCONJ
easat-5950	86	26	they	they	PRON
easat-5950	86	27	can	can	AUX
easat-5950	86	28	demonstrate	demonstrate	VERB
easat-5950	86	29	their	their	PRON
easat-5950	86	30	commitment	commitment	NOUN
easat-5950	86	31	[	[	X
easat-5950	86	32	26	26	NUM
easat-5950	86	33	]	]	PUNCT
easat-5950	86	34	.	.	PUNCT
easat-5950	87	1	mfis	mfis	PROPN
easat-5950	87	2	are	be	AUX
easat-5950	87	3	increasingly	increasingly	ADV
easat-5950	87	4	important	important	ADJ
easat-5950	87	5	in	in	ADP
easat-5950	87	6	many	many	ADJ
easat-5950	87	7	countries	country	NOUN
easat-5950	87	8	'	'	PART
easat-5950	87	9	post	post	ADJ
easat-5950	87	10	-	-	ADJ
easat-5950	87	11	conflict	conflict	ADJ
easat-5950	87	12	strategies	strategy	NOUN
easat-5950	87	13	,	,	PUNCT
easat-5950	87	14	with	with	ADP
easat-5950	87	15	the	the	DET
easat-5950	87	16	intention	intention	NOUN
easat-5950	87	17	being	be	AUX
easat-5950	87	18	the	the	DET
easat-5950	87	19	providing	providing	NOUN
easat-5950	87	20	of	of	ADP
easat-5950	87	21	the	the	DET
easat-5950	87	22	necessary	necessary	ADJ
easat-5950	87	23	financial	financial	ADJ
easat-5950	87	24	assistance	assistance	NOUN
easat-5950	87	25	to	to	PART
easat-5950	87	26	help	help	VERB
easat-5950	87	27	rebuild	rebuild	VERB
easat-5950	87	28	the	the	DET
easat-5950	87	29	economy	economy	NOUN
easat-5950	87	30	and	and	CCONJ
easat-5950	87	31	recover	recover	VERB
easat-5950	87	32	in	in	ADP
easat-5950	87	33	conflict	conflict	NOUN
easat-5950	87	34	-	-	PUNCT
easat-5950	87	35	affected	affect	VERB
easat-5950	87	36	areas	area	NOUN
easat-5950	87	37	[	[	X
easat-5950	87	38	27	27	NUM
easat-5950	87	39	]	]	PUNCT
easat-5950	87	40	.	.	PUNCT
easat-5950	88	1	microfinance	microfinance	NOUN
easat-5950	88	2	institutions	institution	NOUN
easat-5950	88	3	(	(	PUNCT
easat-5950	88	4	mfis	mfis	PROPN
easat-5950	88	5	)	)	PUNCT
easat-5950	88	6	began	begin	VERB
easat-5950	88	7	operating	operate	VERB
easat-5950	88	8	in	in	ADP
easat-5950	88	9	kosovo	kosovo	PROPN
easat-5950	88	10	immediately	immediately	ADV
easat-5950	88	11	after	after	ADP
easat-5950	88	12	the	the	DET
easat-5950	88	13	1999	1999	NUM
easat-5950	88	14	war	war	NOUN
easat-5950	88	15	,	,	PUNCT
easat-5950	88	16	mostly	mostly	ADV
easat-5950	88	17	with	with	ADP
easat-5950	88	18	the	the	DET
easat-5950	88	19	support	support	NOUN
easat-5950	88	20	of	of	ADP
easat-5950	88	21	international	international	ADJ
easat-5950	88	22	groups	group	NOUN
easat-5950	88	23	seeking	seek	VERB
easat-5950	88	24	to	to	PART
easat-5950	88	25	assist	assist	VERB
easat-5950	88	26	local	local	ADJ
easat-5950	88	27	residents	resident	NOUN
easat-5950	88	28	in	in	ADP
easat-5950	88	29	gaining	gain	VERB
easat-5950	88	30	access	access	NOUN
easat-5950	88	31	to	to	ADP
easat-5950	88	32	financial	financial	ADJ
easat-5950	88	33	resources	resource	NOUN
easat-5950	88	34	.	.	PUNCT
easat-5950	89	1	in	in	ADP
easat-5950	89	2	november	november	PROPN
easat-5950	89	3	2021	2021	NUM
easat-5950	89	4	,	,	PUNCT
easat-5950	89	5	the	the	DET
easat-5950	89	6	average	average	ADJ
easat-5950	89	7	interest	interest	NOUN
easat-5950	89	8	rate	rate	NOUN
easat-5950	89	9	on	on	ADP
easat-5950	89	10	new	new	ADJ
easat-5950	89	11	loans	loan	NOUN
easat-5950	89	12	given	give	VERB
easat-5950	89	13	by	by	ADP
easat-5950	89	14	microfinance	microfinance	NOUN
easat-5950	89	15	organizations	organization	NOUN
easat-5950	89	16	was	be	AUX
easat-5950	89	17	18.8	18.8	NUM
easat-5950	89	18	percent	percent	NOUN
easat-5950	89	19	,	,	PUNCT
easat-5950	89	20	compared	compare	VERB
easat-5950	89	21	to	to	ADP
easat-5950	89	22	19.7	19.7	NUM
easat-5950	89	23	percent	percent	NOUN
easat-5950	89	24	the	the	DET
easat-5950	89	25	previous	previous	ADJ
easat-5950	89	26	year	year	NOUN
easat-5950	89	27	.	.	PUNCT
easat-5950	90	1	this	this	DET
easat-5950	90	2	sector	sector	NOUN
easat-5950	90	3	's	's	PART
easat-5950	90	4	credit	credit	NOUN
easat-5950	90	5	portfolio	portfolio	NOUN
easat-5950	90	6	is	be	AUX
easat-5950	90	7	likewise	likewise	ADV
easat-5950	90	8	considered	consider	VERB
easat-5950	90	9	to	to	PART
easat-5950	90	10	be	be	AUX
easat-5950	90	11	of	of	ADP
easat-5950	90	12	high	high	ADJ
easat-5950	90	13	quality	quality	NOUN
easat-5950	90	14	,	,	PUNCT
easat-5950	90	15	with	with	ADP
easat-5950	90	16	a	a	DET
easat-5950	90	17	non	non	ADJ
easat-5950	90	18	-	-	ADJ
easat-5950	90	19	performing	perform	VERB
easat-5950	90	20	loan	loan	NOUN
easat-5950	90	21	rate	rate	NOUN
easat-5950	90	22	of	of	ADP
easat-5950	90	23	2.9	2.9	NUM
easat-5950	90	24	%	%	NOUN
easat-5950	90	25	[	[	X
easat-5950	90	26	28	28	NUM
easat-5950	90	27	]	]	PUNCT
easat-5950	90	28	.	.	PUNCT
easat-5950	91	1	based	base	VERB
easat-5950	91	2	on	on	ADP
easat-5950	91	3	the	the	DET
easat-5950	91	4	research	research	NOUN
easat-5950	91	5	topic	topic	NOUN
easat-5950	91	6	,	,	PUNCT
easat-5950	91	7	"	"	PUNCT
easat-5950	91	8	how	how	SCONJ
easat-5950	91	9	does	do	AUX
easat-5950	91	10	the	the	DET
easat-5950	91	11	mfi	mfi	PROPN
easat-5950	91	12	's	's	PART
easat-5950	91	13	activity	activity	NOUN
easat-5950	91	14	affect	affect	VERB
easat-5950	91	15	job	job	NOUN
easat-5950	91	16	creation	creation	NOUN
easat-5950	91	17	?	?	PUNCT
easat-5950	91	18	"	"	PUNCT
easat-5950	92	1	in	in	ADP
easat-5950	92	2	addition	addition	NOUN
easat-5950	92	3	to	to	ADP
easat-5950	92	4	four	four	NUM
easat-5950	92	5	sub	sub	NOUN
easat-5950	92	6	-	-	NOUN
easat-5950	92	7	questions	question	NOUN
easat-5950	92	8	within	within	ADP
easat-5950	92	9	the	the	DET
easat-5950	92	10	framework	framework	NOUN
easat-5950	92	11	of	of	ADP
easat-5950	92	12	this	this	DET
easat-5950	92	13	research	research	NOUN
easat-5950	92	14	issue	issue	NOUN
easat-5950	92	15	,	,	PUNCT
easat-5950	92	16	four	four	NUM
easat-5950	92	17	hypotheses	hypothesis	NOUN
easat-5950	92	18	have	have	AUX
easat-5950	92	19	been	be	AUX
easat-5950	92	20	developed	develop	VERB
easat-5950	92	21	on	on	ADP
easat-5950	92	22	which	which	PRON
easat-5950	92	23	this	this	DET
easat-5950	92	24	study	study	NOUN
easat-5950	92	25	is	be	AUX
easat-5950	92	26	based	base	VERB
easat-5950	92	27	:	:	PUNCT
easat-5950	92	28	h1	h1	PROPN
easat-5950	92	29	:	:	PUNCT
easat-5950	92	30	there	there	PRON
easat-5950	92	31	is	be	VERB
easat-5950	92	32	a	a	DET
easat-5950	92	33	link	link	NOUN
easat-5950	92	34	between	between	ADP
easat-5950	92	35	the	the	DET
easat-5950	92	36	number	number	NOUN
easat-5950	92	37	of	of	ADP
easat-5950	92	38	microloans	microloan	NOUN
easat-5950	92	39	given	give	VERB
easat-5950	92	40	by	by	ADP
easat-5950	92	41	the	the	DET
easat-5950	92	42	mfi	mfi	PROPN
easat-5950	92	43	and	and	CCONJ
easat-5950	92	44	employment	employment	NOUN
easat-5950	92	45	creation	creation	NOUN
easat-5950	92	46	.	.	PUNCT
easat-5950	93	1	h2	h2	NOUN
easat-5950	93	2	:	:	PUNCT
easat-5950	93	3	the	the	DET
easat-5950	93	4	counseling	counseling	NOUN
easat-5950	93	5	offered	offer	VERB
easat-5950	93	6	to	to	ADP
easat-5950	93	7	the	the	DET
easat-5950	93	8	customer	customer	NOUN
easat-5950	93	9	by	by	ADP
easat-5950	93	10	the	the	DET
easat-5950	93	11	mfi	mfi	PROPN
easat-5950	93	12	has	have	VERB
easat-5950	93	13	no	no	DET
easat-5950	93	14	effect	effect	NOUN
easat-5950	93	15	on	on	ADP
easat-5950	93	16	employment	employment	NOUN
easat-5950	93	17	creation	creation	NOUN
easat-5950	93	18	.	.	PUNCT
easat-5950	94	1	h3	h3	NOUN
easat-5950	94	2	:	:	PUNCT
easat-5950	94	3	the	the	DET
easat-5950	94	4	mfi	mfi	PROPN
easat-5950	94	5	programs	program	NOUN
easat-5950	94	6	have	have	VERB
easat-5950	94	7	no	no	DET
easat-5950	94	8	effect	effect	NOUN
easat-5950	94	9	on	on	ADP
easat-5950	94	10	employment	employment	NOUN
easat-5950	94	11	creation	creation	NOUN
easat-5950	94	12	since	since	SCONJ
easat-5950	94	13	they	they	PRON
easat-5950	94	14	are	be	AUX
easat-5950	94	15	not	not	PART
easat-5950	94	16	adequately	adequately	ADV
easat-5950	94	17	coordinated	coordinate	VERB
easat-5950	94	18	with	with	ADP
easat-5950	94	19	government	government	NOUN
easat-5950	94	20	institutions	institution	NOUN
easat-5950	94	21	.	.	PUNCT
easat-5950	95	1	h4	h4	NOUN
easat-5950	95	2	:	:	PUNCT
easat-5950	95	3	the	the	DET
easat-5950	95	4	high	high	ADJ
easat-5950	95	5	interest	interest	NOUN
easat-5950	95	6	rates	rate	NOUN
easat-5950	95	7	on	on	ADP
easat-5950	95	8	mfi	mfi	PROPN
easat-5950	95	9	microloans	microloan	NOUN
easat-5950	95	10	have	have	VERB
easat-5950	95	11	a	a	DET
easat-5950	95	12	negative	negative	ADJ
easat-5950	95	13	effect	effect	NOUN
easat-5950	95	14	on	on	ADP
easat-5950	95	15	job	job	NOUN
easat-5950	95	16	creation	creation	NOUN
easat-5950	95	17	.	.	PUNCT
easat-5950	96	1	3	3	X
easat-5950	96	2	.	.	X
easat-5950	96	3	research	research	NOUN
easat-5950	96	4	methodology	methodology	NOUN
easat-5950	96	5	the	the	DET
easat-5950	96	6	creation	creation	NOUN
easat-5950	96	7	of	of	ADP
easat-5950	96	8	jobs	job	NOUN
easat-5950	96	9	by	by	ADP
easat-5950	96	10	mfis	mfis	PROPN
easat-5950	96	11	is	be	AUX
easat-5950	96	12	at	at	ADP
easat-5950	96	13	the	the	DET
easat-5950	96	14	core	core	NOUN
easat-5950	96	15	of	of	ADP
easat-5950	96	16	this	this	DET
easat-5950	96	17	study	study	NOUN
easat-5950	96	18	,	,	PUNCT
easat-5950	96	19	as	as	SCONJ
easat-5950	96	20	are	be	AUX
easat-5950	96	21	the	the	DET
easat-5950	96	22	following	follow	VERB
easat-5950	96	23	components	component	NOUN
easat-5950	96	24	:	:	PUNCT
easat-5950	96	25	the	the	DET
easat-5950	96	26	existence	existence	NOUN
easat-5950	96	27	of	of	ADP
easat-5950	96	28	a	a	DET
easat-5950	96	29	link	link	NOUN
easat-5950	96	30	between	between	ADP
easat-5950	96	31	microcredits	microcredit	NOUN
easat-5950	96	32	provided	provide	VERB
easat-5950	96	33	by	by	ADP
easat-5950	96	34	mfis	mfis	PROPN
easat-5950	96	35	,	,	PUNCT
easat-5950	96	36	the	the	DET
easat-5950	96	37	link	link	NOUN
easat-5950	96	38	between	between	ADP
easat-5950	96	39	mfis	mfis	PROPN
easat-5950	96	40	'	'	PART
easat-5950	96	41	provision	provision	NOUN
easat-5950	96	42	of	of	ADP
easat-5950	96	43	consulting	consulting	NOUN
easat-5950	96	44	services	service	NOUN
easat-5950	96	45	,	,	PUNCT
easat-5950	96	46	the	the	DET
easat-5950	96	47	impact	impact	NOUN
easat-5950	96	48	of	of	ADP
easat-5950	96	49	coordination	coordination	NOUN
easat-5950	96	50	between	between	ADP
easat-5950	96	51	government	government	NOUN
easat-5950	96	52	agencies	agency	NOUN
easat-5950	96	53	with	with	ADP
easat-5950	96	54	mfi	mfi	PROPN
easat-5950	96	55	programs	program	NOUN
easat-5950	96	56	,	,	PUNCT
easat-5950	96	57	and	and	CCONJ
easat-5950	96	58	the	the	DET
easat-5950	96	59	effects	effect	NOUN
easat-5950	96	60	of	of	ADP
easat-5950	96	61	mfis	mfis	NOUN
easat-5950	96	62	'	'	PART
easat-5950	96	63	high	high	ADJ
easat-5950	96	64	interest	interest	NOUN
easat-5950	96	65	rates	rate	NOUN
easat-5950	96	66	on	on	ADP
easat-5950	96	67	microcredits	microcredit	NOUN
easat-5950	96	68	provided	provide	VERB
easat-5950	96	69	.	.	PUNCT
easat-5950	97	1	the	the	DET
easat-5950	97	2	aforementioned	aforementioned	ADJ
easat-5950	97	3	components	component	NOUN
easat-5950	97	4	were	be	AUX
easat-5950	97	5	149	149	NUM
easat-5950	97	6	edelweiss	edelweiss	PROPN
easat-5950	97	7	applied	apply	VERB
easat-5950	97	8	science	science	NOUN
easat-5950	97	9	and	and	CCONJ
easat-5950	97	10	technology	technology	NOUN
easat-5950	97	11	issn	issn	PROPN
easat-5950	97	12	:	:	PUNCT
easat-5950	97	13	2576	2576	NUM
easat-5950	97	14	-	-	SYM
easat-5950	97	15	8484	8484	NUM
easat-5950	97	16	vol	vol	NOUN
easat-5950	97	17	.	.	PROPN
easat-5950	98	1	9	9	NUM
easat-5950	98	2	,	,	PUNCT
easat-5950	98	3	no	no	INTJ
easat-5950	98	4	.	.	NOUN
easat-5950	99	1	4	4	NUM
easat-5950	99	2	:	:	SYM
easat-5950	99	3	146	146	NUM
easat-5950	99	4	-	-	SYM
easat-5950	99	5	156	156	NUM
easat-5950	99	6	,	,	PUNCT
easat-5950	99	7	2025	2025	NUM
easat-5950	99	8	doi	doi	NOUN
easat-5950	99	9	:	:	PUNCT
easat-5950	99	10	10.55214/25768484.v9i4.5950	10.55214/25768484.v9i4.5950	NUM
easat-5950	99	11	©	©	PROPN
easat-5950	99	12	2025	2025	NUM
easat-5950	99	13	by	by	ADP
easat-5950	99	14	the	the	DET
easat-5950	99	15	authors	author	NOUN
easat-5950	99	16	;	;	PUNCT
easat-5950	99	17	licensee	licensee	PROPN
easat-5950	99	18	learning	learning	NOUN
easat-5950	99	19	gate	gate	NOUN
easat-5950	99	20	examined	examine	VERB
easat-5950	99	21	in	in	ADP
easat-5950	99	22	terms	term	NOUN
easat-5950	99	23	of	of	ADP
easat-5950	99	24	job	job	NOUN
easat-5950	99	25	creation	creation	NOUN
easat-5950	99	26	in	in	ADP
easat-5950	99	27	kosovo	kosovo	PROPN
easat-5950	99	28	.	.	PUNCT
easat-5950	100	1	data	datum	NOUN
easat-5950	100	2	for	for	ADP
easat-5950	100	3	this	this	DET
easat-5950	100	4	study	study	NOUN
easat-5950	100	5	were	be	AUX
easat-5950	100	6	collected	collect	VERB
easat-5950	100	7	from	from	ADP
easat-5950	100	8	both	both	CCONJ
easat-5950	100	9	primary	primary	ADJ
easat-5950	100	10	and	and	CCONJ
easat-5950	100	11	secondary	secondary	ADJ
easat-5950	100	12	sources	source	NOUN
easat-5950	100	13	.	.	PUNCT
easat-5950	101	1	secondary	secondary	ADJ
easat-5950	101	2	sources	source	NOUN
easat-5950	101	3	included	include	VERB
easat-5950	101	4	data	datum	NOUN
easat-5950	101	5	from	from	ADP
easat-5950	101	6	reliable	reliable	ADJ
easat-5950	101	7	local	local	ADJ
easat-5950	101	8	and	and	CCONJ
easat-5950	101	9	international	international	ADJ
easat-5950	101	10	agencies	agency	NOUN
easat-5950	101	11	,	,	PUNCT
easat-5950	101	12	while	while	SCONJ
easat-5950	101	13	primary	primary	ADJ
easat-5950	101	14	data	datum	NOUN
easat-5950	101	15	was	be	AUX
easat-5950	101	16	gathered	gather	VERB
easat-5950	101	17	through	through	ADP
easat-5950	101	18	a	a	DET
easat-5950	101	19	survey	survey	NOUN
easat-5950	101	20	.	.	PUNCT
easat-5950	102	1	in	in	ADP
easat-5950	102	2	december	december	PROPN
easat-5950	102	3	2024	2024	NUM
easat-5950	102	4	,	,	PUNCT
easat-5950	102	5	150	150	NUM
easat-5950	102	6	microcredit	microcredit	NOUN
easat-5950	102	7	users	user	NOUN
easat-5950	102	8	were	be	AUX
easat-5950	102	9	questioned	question	VERB
easat-5950	102	10	using	use	VERB
easat-5950	102	11	a	a	DET
easat-5950	102	12	questionnaire	questionnaire	NOUN
easat-5950	102	13	designed	design	VERB
easat-5950	102	14	for	for	ADP
easat-5950	102	15	primary	primary	ADJ
easat-5950	102	16	data	datum	NOUN
easat-5950	102	17	gathering	gathering	NOUN
easat-5950	102	18	.	.	PUNCT
easat-5950	103	1	the	the	DET
easat-5950	103	2	sample	sample	NOUN
easat-5950	103	3	,	,	PUNCT
easat-5950	103	4	which	which	PRON
easat-5950	103	5	was	be	AUX
easat-5950	103	6	dispersed	disperse	VERB
easat-5950	103	7	among	among	ADP
easat-5950	103	8	15	15	NUM
easat-5950	103	9	localities	locality	NOUN
easat-5950	103	10	in	in	ADP
easat-5950	103	11	kosovo	kosovo	PROPN
easat-5950	103	12	,	,	PUNCT
easat-5950	103	13	was	be	AUX
easat-5950	103	14	chosen	choose	VERB
easat-5950	103	15	using	use	VERB
easat-5950	103	16	the	the	DET
easat-5950	103	17	random	random	ADJ
easat-5950	103	18	method	method	NOUN
easat-5950	103	19	.	.	PUNCT
easat-5950	104	1	the	the	DET
easat-5950	104	2	questionnaire	questionnaire	NOUN
easat-5950	104	3	is	be	AUX
easat-5950	104	4	divided	divide	VERB
easat-5950	104	5	into	into	ADP
easat-5950	104	6	four	four	NUM
easat-5950	104	7	sections	section	NOUN
easat-5950	104	8	:	:	PUNCT
easat-5950	104	9	introduction	introduction	NOUN
easat-5950	104	10	,	,	PUNCT
easat-5950	104	11	demographics	demographic	NOUN
easat-5950	104	12	,	,	PUNCT
easat-5950	104	13	mfis	mfis	NOUN
easat-5950	104	14	'	'	PART
easat-5950	104	15	role	role	NOUN
easat-5950	104	16	in	in	ADP
easat-5950	104	17	job	job	NOUN
easat-5950	104	18	development	development	NOUN
easat-5950	104	19	,	,	PUNCT
easat-5950	104	20	and	and	CCONJ
easat-5950	104	21	conclusion	conclusion	NOUN
easat-5950	104	22	.	.	PUNCT
easat-5950	105	1	the	the	DET
easat-5950	105	2	third	third	ADJ
easat-5950	105	3	section	section	NOUN
easat-5950	105	4	is	be	AUX
easat-5950	105	5	the	the	DET
easat-5950	105	6	key	key	ADJ
easat-5950	105	7	element	element	NOUN
easat-5950	105	8	of	of	ADP
easat-5950	105	9	the	the	DET
easat-5950	105	10	study	study	NOUN
easat-5950	105	11	and	and	CCONJ
easat-5950	105	12	consists	consist	VERB
easat-5950	105	13	of	of	ADP
easat-5950	105	14	four	four	NUM
easat-5950	105	15	questions	question	NOUN
easat-5950	105	16	:	:	PUNCT
easat-5950	105	17	is	be	AUX
easat-5950	105	18	there	there	PRON
easat-5950	105	19	a	a	DET
easat-5950	105	20	link	link	NOUN
easat-5950	105	21	between	between	ADP
easat-5950	105	22	microloans	microloan	NOUN
easat-5950	105	23	supplied	supply	VERB
easat-5950	105	24	by	by	ADP
easat-5950	105	25	mfis	mfis	NOUN
easat-5950	105	26	and	and	CCONJ
easat-5950	105	27	employment	employment	NOUN
easat-5950	105	28	creation	creation	NOUN
easat-5950	105	29	?	?	PUNCT
easat-5950	106	1	is	be	AUX
easat-5950	106	2	there	there	PRON
easat-5950	106	3	a	a	DET
easat-5950	106	4	relationship	relationship	NOUN
easat-5950	106	5	between	between	ADP
easat-5950	106	6	the	the	DET
easat-5950	106	7	offering	offering	NOUN
easat-5950	106	8	of	of	ADP
easat-5950	106	9	advisory	advisory	ADJ
easat-5950	106	10	services	service	NOUN
easat-5950	106	11	by	by	ADP
easat-5950	106	12	mfis	mfis	NOUN
easat-5950	106	13	and	and	CCONJ
easat-5950	106	14	employment	employment	NOUN
easat-5950	106	15	growth	growth	NOUN
easat-5950	106	16	?	?	PUNCT
easat-5950	107	1	does	do	AUX
easat-5950	107	2	a	a	DET
easat-5950	107	3	lack	lack	NOUN
easat-5950	107	4	of	of	ADP
easat-5950	107	5	coordination	coordination	NOUN
easat-5950	107	6	among	among	ADP
easat-5950	107	7	government	government	NOUN
easat-5950	107	8	agencies	agency	NOUN
easat-5950	107	9	hinder	hinder	VERB
easat-5950	107	10	the	the	DET
easat-5950	107	11	performance	performance	NOUN
easat-5950	107	12	of	of	ADP
easat-5950	107	13	mfi	mfi	PROPN
easat-5950	107	14	programs	program	NOUN
easat-5950	107	15	in	in	ADP
easat-5950	107	16	job	job	NOUN
easat-5950	107	17	development	development	NOUN
easat-5950	107	18	,	,	PUNCT
easat-5950	107	19	and	and	CCONJ
easat-5950	107	20	the	the	DET
easat-5950	107	21	fourth	fourth	ADJ
easat-5950	107	22	question	question	NOUN
easat-5950	107	23	,	,	PUNCT
easat-5950	107	24	how	how	SCONJ
easat-5950	107	25	do	do	VERB
easat-5950	107	26	the	the	DET
easat-5950	107	27	high	high	ADJ
easat-5950	107	28	interest	interest	NOUN
easat-5950	107	29	rates	rate	NOUN
easat-5950	107	30	on	on	ADP
easat-5950	107	31	microloans	microloan	NOUN
easat-5950	107	32	given	give	VERB
easat-5950	107	33	by	by	ADP
easat-5950	107	34	mfis	mfis	NOUN
easat-5950	107	35	impact	impact	NOUN
easat-5950	107	36	employment	employment	NOUN
easat-5950	107	37	creation	creation	NOUN
easat-5950	107	38	?	?	PUNCT
easat-5950	108	1	the	the	DET
easat-5950	108	2	answers	answer	NOUN
easat-5950	108	3	to	to	ADP
easat-5950	108	4	the	the	DET
easat-5950	108	5	questions	question	NOUN
easat-5950	108	6	are	be	AUX
easat-5950	108	7	presented	present	VERB
easat-5950	108	8	as	as	ADP
easat-5950	108	9	(	(	PUNCT
easat-5950	108	10	yes	yes	INTJ
easat-5950	108	11	/	/	SYM
easat-5950	108	12	no	no	NOUN
easat-5950	108	13	)	)	PUNCT
easat-5950	108	14	.	.	PUNCT
easat-5950	109	1	the	the	DET
easat-5950	109	2	completed	complete	VERB
easat-5950	109	3	questionnaires	questionnaire	NOUN
easat-5950	109	4	were	be	AUX
easat-5950	109	5	professionally	professionally	ADV
easat-5950	109	6	reviewed	review	VERB
easat-5950	109	7	,	,	PUNCT
easat-5950	109	8	and	and	CCONJ
easat-5950	109	9	the	the	DET
easat-5950	109	10	data	datum	NOUN
easat-5950	109	11	was	be	AUX
easat-5950	109	12	processed	process	VERB
easat-5950	109	13	and	and	CCONJ
easat-5950	109	14	analyzed	analyze	VERB
easat-5950	109	15	using	use	VERB
easat-5950	109	16	the	the	DET
easat-5950	109	17	statistical	statistical	ADJ
easat-5950	109	18	package	package	NOUN
easat-5950	109	19	for	for	ADP
easat-5950	109	20	the	the	DET
easat-5950	109	21	social	social	ADJ
easat-5950	109	22	sciences	sciences	PROPN
easat-5950	109	23	(	(	PUNCT
easat-5950	109	24	spss	spss	ADJ
easat-5950	109	25	)	)	PUNCT
easat-5950	109	26	application	application	NOUN
easat-5950	109	27	.	.	PUNCT
easat-5950	110	1	the	the	DET
easat-5950	110	2	study	study	NOUN
easat-5950	110	3	begins	begin	VERB
easat-5950	110	4	by	by	ADP
easat-5950	110	5	establishing	establish	VERB
easat-5950	110	6	the	the	DET
easat-5950	110	7	hypothesis	hypothesis	NOUN
easat-5950	110	8	that	that	PRON
easat-5950	110	9	job	job	NOUN
easat-5950	110	10	creation	creation	NOUN
easat-5950	110	11	is	be	AUX
easat-5950	110	12	dependent	dependent	ADJ
easat-5950	110	13	on	on	ADP
easat-5950	110	14	the	the	DET
easat-5950	110	15	presence	presence	NOUN
easat-5950	110	16	of	of	ADP
easat-5950	110	17	a	a	DET
easat-5950	110	18	significant	significant	ADJ
easat-5950	110	19	link	link	NOUN
easat-5950	110	20	between	between	ADP
easat-5950	110	21	microloans	microloan	NOUN
easat-5950	110	22	provided	provide	VERB
easat-5950	110	23	by	by	ADP
easat-5950	110	24	mfis	mfis	NOUN
easat-5950	110	25	and	and	CCONJ
easat-5950	110	26	job	job	NOUN
easat-5950	110	27	creation	creation	NOUN
easat-5950	110	28	,	,	PUNCT
easat-5950	110	29	the	the	DET
easat-5950	110	30	provision	provision	NOUN
easat-5950	110	31	of	of	ADP
easat-5950	110	32	consulting	consulting	NOUN
easat-5950	110	33	services	service	NOUN
easat-5950	110	34	by	by	ADP
easat-5950	110	35	mfis	mfis	PROPN
easat-5950	110	36	,	,	PUNCT
easat-5950	110	37	the	the	DET
easat-5950	110	38	lack	lack	NOUN
easat-5950	110	39	of	of	ADP
easat-5950	110	40	coordination	coordination	NOUN
easat-5950	110	41	between	between	ADP
easat-5950	110	42	government	government	NOUN
easat-5950	110	43	agencies	agency	NOUN
easat-5950	110	44	and	and	CCONJ
easat-5950	110	45	mfi	mfi	PROPN
easat-5950	110	46	programs	program	NOUN
easat-5950	110	47	,	,	PUNCT
easat-5950	110	48	the	the	DET
easat-5950	110	49	impact	impact	NOUN
easat-5950	110	50	of	of	ADP
easat-5950	110	51	high	high	ADJ
easat-5950	110	52	interest	interest	NOUN
easat-5950	110	53	rates	rate	NOUN
easat-5950	110	54	on	on	ADP
easat-5950	110	55	microloans	microloan	NOUN
easat-5950	110	56	,	,	PUNCT
easat-5950	110	57	and	and	CCONJ
easat-5950	110	58	so	so	ADV
easat-5950	110	59	on	on	ADV
easat-5950	110	60	.	.	PUNCT
easat-5950	111	1	the	the	DET
easat-5950	111	2	dependent	dependent	ADJ
easat-5950	111	3	variable	variable	NOUN
easat-5950	111	4	,	,	PUNCT
easat-5950	111	5	job	job	NOUN
easat-5950	111	6	creation	creation	NOUN
easat-5950	111	7	through	through	ADP
easat-5950	111	8	micro	micro	ADJ
easat-5950	111	9	finance	finance	NOUN
easat-5950	111	10	institutions	institution	NOUN
easat-5950	111	11	activities	activity	NOUN
easat-5950	111	12	(	(	PUNCT
easat-5950	111	13	abbreviated	abbreviate	VERB
easat-5950	111	14	jcamfi	jcamfi	NOUN
easat-5950	111	15	)	)	PUNCT
easat-5950	111	16	,	,	PUNCT
easat-5950	111	17	was	be	AUX
easat-5950	111	18	compared	compare	VERB
easat-5950	111	19	to	to	ADP
easat-5950	111	20	the	the	DET
easat-5950	111	21	independent	independent	ADJ
easat-5950	111	22	variables	variable	NOUN
easat-5950	111	23	:	:	PUNCT
easat-5950	111	24	whether	whether	SCONJ
easat-5950	111	25	there	there	PRON
easat-5950	111	26	was	be	VERB
easat-5950	111	27	a	a	DET
easat-5950	111	28	relationship	relationship	NOUN
easat-5950	111	29	between	between	ADP
easat-5950	111	30	microloans	microloan	NOUN
easat-5950	111	31	supplied	supply	VERB
easat-5950	111	32	by	by	ADP
easat-5950	111	33	microfinance	microfinance	NOUN
easat-5950	111	34	institutions	institution	NOUN
easat-5950	111	35	and	and	CCONJ
easat-5950	111	36	the	the	DET
easat-5950	111	37	creation	creation	NOUN
easat-5950	111	38	of	of	ADP
easat-5950	111	39	jobs	job	NOUN
easat-5950	111	40	(	(	PUNCT
easat-5950	111	41	abbreviated	abbreviate	VERB
easat-5950	111	42	emlmfijc	emlmfijc	ADJ
easat-5950	111	43	)	)	PUNCT
easat-5950	111	44	;	;	PUNCT
easat-5950	111	45	whether	whether	SCONJ
easat-5950	111	46	there	there	PRON
easat-5950	111	47	was	be	VERB
easat-5950	111	48	a	a	DET
easat-5950	111	49	relationship	relationship	NOUN
easat-5950	111	50	between	between	ADP
easat-5950	111	51	employment	employment	NOUN
easat-5950	111	52	growth	growth	NOUN
easat-5950	111	53	and	and	CCONJ
easat-5950	111	54	the	the	DET
easat-5950	111	55	consulting	consulting	NOUN
easat-5950	111	56	services	service	NOUN
easat-5950	111	57	provided	provide	VERB
easat-5950	111	58	by	by	ADP
easat-5950	111	59	microfinance	microfinance	NOUN
easat-5950	111	60	institutions	institution	NOUN
easat-5950	111	61	(	(	PUNCT
easat-5950	111	62	abbreviated	abbreviate	VERB
easat-5950	111	63	lcsmfie	lcsmfie	ADJ
easat-5950	111	64	)	)	PUNCT
easat-5950	111	65	;	;	PUNCT
easat-5950	111	66	the	the	DET
easat-5950	111	67	effect	effect	NOUN
easat-5950	111	68	of	of	ADP
easat-5950	111	69	a	a	DET
easat-5950	111	70	lack	lack	NOUN
easat-5950	111	71	of	of	ADP
easat-5950	111	72	coordination	coordination	NOUN
easat-5950	111	73	among	among	ADP
easat-5950	111	74	government	government	NOUN
easat-5950	111	75	agencies	agency	NOUN
easat-5950	111	76	on	on	ADP
easat-5950	111	77	the	the	DET
easat-5950	111	78	success	success	NOUN
easat-5950	111	79	of	of	ADP
easat-5950	111	80	microfinance	microfinance	NOUN
easat-5950	111	81	institutions	institution	NOUN
easat-5950	111	82	'	'	PART
easat-5950	111	83	job	job	NOUN
easat-5950	111	84	creation	creation	NOUN
easat-5950	111	85	programs	program	NOUN
easat-5950	111	86	(	(	PUNCT
easat-5950	111	87	icgamfipjc	icgamfipjc	ADJ
easat-5950	111	88	)	)	PUNCT
easat-5950	111	89	;	;	PUNCT
easat-5950	111	90	and	and	CCONJ
easat-5950	111	91	the	the	DET
easat-5950	111	92	effect	effect	NOUN
easat-5950	111	93	of	of	ADP
easat-5950	111	94	high	high	ADJ
easat-5950	111	95	interest	interest	NOUN
easat-5950	111	96	rates	rate	NOUN
easat-5950	111	97	on	on	ADP
easat-5950	111	98	microloans	microloan	NOUN
easat-5950	111	99	provided	provide	VERB
easat-5950	111	100	by	by	ADP
easat-5950	111	101	microfinance	microfinance	NOUN
easat-5950	111	102	ihrmmfijc	ihrmmfijc	PROPN
easat-5950	111	103	.	.	PUNCT
easat-5950	112	1	the	the	DET
easat-5950	112	2	direct	direct	ADJ
easat-5950	112	3	correlations	correlation	NOUN
easat-5950	112	4	between	between	ADP
easat-5950	112	5	our	our	PRON
easat-5950	112	6	variable	variable	NOUN
easat-5950	112	7	of	of	ADP
easat-5950	112	8	interest	interest	NOUN
easat-5950	112	9	y	y	PROPN
easat-5950	112	10	and	and	CCONJ
easat-5950	112	11	the	the	DET
easat-5950	112	12	other	other	ADJ
easat-5950	112	13	dependent	dependent	ADJ
easat-5950	112	14	variables	variable	NOUN
easat-5950	112	15	x1	x1	PROPN
easat-5950	112	16	,	,	PUNCT
easat-5950	112	17	x2	x2	PROPN
easat-5950	112	18	,	,	PUNCT
easat-5950	112	19	x3	x3	ADJ
easat-5950	112	20	,	,	PUNCT
easat-5950	112	21	and	and	CCONJ
easat-5950	112	22	x4	x4	PROPN
easat-5950	112	23	were	be	AUX
easat-5950	112	24	initially	initially	ADV
easat-5950	112	25	built	build	VERB
easat-5950	112	26	and	and	CCONJ
easat-5950	112	27	evaluated	evaluate	VERB
easat-5950	112	28	using	use	VERB
easat-5950	112	29	a	a	DET
easat-5950	112	30	scheme	scheme	NOUN
easat-5950	112	31	that	that	PRON
easat-5950	112	32	envisioned	envision	VERB
easat-5950	112	33	a	a	DET
easat-5950	112	34	causal	causal	ADJ
easat-5950	112	35	relationship	relationship	NOUN
easat-5950	112	36	.	.	PUNCT
easat-5950	113	1	the	the	DET
easat-5950	113	2	hypotheses	hypothesis	NOUN
easat-5950	113	3	presented	present	VERB
easat-5950	113	4	in	in	ADP
easat-5950	113	5	this	this	DET
easat-5950	113	6	research	research	NOUN
easat-5950	113	7	are	be	AUX
easat-5950	113	8	based	base	VERB
easat-5950	113	9	on	on	ADP
easat-5950	113	10	the	the	DET
easat-5950	113	11	reviewed	review	VERB
easat-5950	113	12	literature	literature	NOUN
easat-5950	113	13	.	.	PUNCT
easat-5950	114	1	the	the	DET
easat-5950	114	2	database	database	NOUN
easat-5950	114	3	was	be	AUX
easat-5950	114	4	used	use	VERB
easat-5950	114	5	to	to	PART
easat-5950	114	6	extract	extract	VERB
easat-5950	114	7	empirical	empirical	ADJ
easat-5950	114	8	studies	study	NOUN
easat-5950	114	9	of	of	ADP
easat-5950	114	10	correlations	correlation	NOUN
easat-5950	114	11	,	,	PUNCT
easat-5950	114	12	regressions	regression	NOUN
easat-5950	114	13	,	,	PUNCT
easat-5950	114	14	coefficients	coefficient	NOUN
easat-5950	114	15	,	,	PUNCT
easat-5950	114	16	and	and	CCONJ
easat-5950	114	17	other	other	ADJ
easat-5950	114	18	variables	variable	NOUN
easat-5950	114	19	.	.	PUNCT
easat-5950	115	1	the	the	DET
easat-5950	115	2	multiple	multiple	ADJ
easat-5950	115	3	linear	linear	PROPN
easat-5950	115	4	regression	regression	NOUN
easat-5950	115	5	model	model	NOUN
easat-5950	115	6	provided	provide	VERB
easat-5950	115	7	by	by	ADP
easat-5950	115	8	studenmund	studenmund	NOUN
easat-5950	115	9	[	[	X
easat-5950	115	10	29	29	NUM
easat-5950	115	11	]	]	PUNCT
easat-5950	115	12	is	be	AUX
easat-5950	115	13	employed	employ	VERB
easat-5950	115	14	in	in	ADP
easat-5950	115	15	this	this	DET
easat-5950	115	16	study	study	NOUN
easat-5950	115	17	based	base	VERB
easat-5950	115	18	on	on	ADP
easat-5950	115	19	a	a	DET
easat-5950	115	20	theoretical	theoretical	ADJ
easat-5950	115	21	analysis	analysis	NOUN
easat-5950	115	22	of	of	ADP
easat-5950	115	23	the	the	DET
easat-5950	115	24	aforementioned	aforementioned	ADJ
easat-5950	115	25	literature	literature	NOUN
easat-5950	115	26	as	as	ADV
easat-5950	115	27	well	well	ADV
easat-5950	115	28	as	as	ADP
easat-5950	115	29	empirical	empirical	ADJ
easat-5950	115	30	evidence	evidence	NOUN
easat-5950	115	31	.	.	PUNCT
easat-5950	116	1	this	this	DET
easat-5950	116	2	analysis	analysis	NOUN
easat-5950	116	3	was	be	AUX
easat-5950	116	4	performed	perform	VERB
easat-5950	116	5	using	use	VERB
easat-5950	116	6	the	the	DET
easat-5950	116	7	following	follow	VERB
easat-5950	116	8	constant	constant	ADJ
easat-5950	116	9	factor	factor	NOUN
easat-5950	116	10	regression	regression	NOUN
easat-5950	116	11	model	model	NOUN
easat-5950	116	12	:	:	PUNCT
easat-5950	116	13	yij	yij	NOUN
easat-5950	116	14	=	=	SYM
easat-5950	116	15	β0	β0	PROPN
easat-5950	116	16	+	+	CCONJ
easat-5950	116	17	βixi	βixi	NOUN
easat-5950	116	18	+	+	CCONJ
easat-5950	116	19	ε	ε	PROPN
easat-5950	116	20	(	(	PUNCT
easat-5950	116	21	1	1	NUM
easat-5950	116	22	)	)	PUNCT
easat-5950	116	23	where	where	SCONJ
easat-5950	116	24	:	:	PUNCT
easat-5950	116	25	y	y	PROPN
easat-5950	116	26	dependent	dependent	ADJ
easat-5950	116	27	variable	variable	NOUN
easat-5950	116	28	;	;	PUNCT
easat-5950	116	29	β0	β0	NOUN
easat-5950	116	30	=	=	SYM
easat-5950	116	31	constant	constant	ADJ
easat-5950	116	32	;	;	PUNCT
easat-5950	116	33	βi	βi	X
easat-5950	116	34	partial	partial	ADJ
easat-5950	116	35	regression	regression	NOUN
easat-5950	116	36	coefficients	coefficient	NOUN
easat-5950	116	37	;	;	PUNCT
easat-5950	116	38	xi	xi	X
easat-5950	116	39	independent	independent	ADJ
easat-5950	116	40	variable	variable	NOUN
easat-5950	116	41	;	;	PUNCT
easat-5950	116	42	ε	ε	PROPN
easat-5950	116	43	standard	standard	ADJ
easat-5950	116	44	error	error	NOUN
easat-5950	116	45	;	;	PUNCT
easat-5950	116	46	the	the	DET
easat-5950	116	47	influence	influence	NOUN
easat-5950	116	48	of	of	ADP
easat-5950	116	49	the	the	DET
easat-5950	116	50	independent	independent	ADJ
easat-5950	116	51	variables	variable	NOUN
easat-5950	116	52	emlmfijc	emlmfijc	ADJ
easat-5950	116	53	,	,	PUNCT
easat-5950	116	54	lcsmfie	lcsmfie	ADJ
easat-5950	116	55	,	,	PUNCT
easat-5950	116	56	icgamfipjc	icgamfipjc	ADJ
easat-5950	116	57	,	,	PUNCT
easat-5950	116	58	and	and	CCONJ
easat-5950	116	59	ihrmmfijc	ihrmmfijc	INTJ
easat-5950	116	60	(	(	PUNCT
easat-5950	116	61	as	as	SCONJ
easat-5950	116	62	defined	define	VERB
easat-5950	116	63	above	above	ADV
easat-5950	116	64	)	)	PUNCT
easat-5950	116	65	on	on	ADP
easat-5950	116	66	the	the	DET
easat-5950	116	67	dependent	dependent	ADJ
easat-5950	116	68	variable	variable	ADJ
easat-5950	116	69	jcamfi	jcamfi	NOUN
easat-5950	116	70	was	be	AUX
easat-5950	116	71	investigated	investigate	VERB
easat-5950	116	72	in	in	ADP
easat-5950	116	73	this	this	DET
easat-5950	116	74	study	study	NOUN
easat-5950	116	75	.	.	PUNCT
easat-5950	117	1	the	the	DET
easat-5950	117	2	linear	linear	PROPN
easat-5950	117	3	regression	regression	NOUN
easat-5950	117	4	model	model	NOUN
easat-5950	117	5	shown	show	VERB
easat-5950	117	6	below	below	ADP
easat-5950	117	7	was	be	AUX
easat-5950	117	8	used	use	VERB
easat-5950	117	9	:	:	PUNCT
easat-5950	117	10	𝑌	𝑌	PROPN
easat-5950	117	11	=	=	PUNCT
easat-5950	117	12	𝛽0	𝛽0	PROPN
easat-5950	117	13	+	+	CCONJ
easat-5950	117	14	𝛽1x1	𝛽1x1	PROPN
easat-5950	117	15	+	+	CCONJ
easat-5950	117	16	𝛽2x2	𝛽2x2	X
easat-5950	117	17	+	+	X
easat-5950	117	18	𝛽3x3	𝛽3x3	X
easat-5950	117	19	+	+	SYM
easat-5950	117	20	𝛽4x3	𝛽4x3	PROPN
easat-5950	117	21	+	+	CCONJ
easat-5950	117	22	ε	ε	PROPN
easat-5950	117	23	(	(	PUNCT
easat-5950	117	24	2	2	NUM
easat-5950	117	25	)	)	PUNCT
easat-5950	117	26	𝑌	𝑌	PROPN
easat-5950	117	27	jcamfi	jcamfi	NOUN
easat-5950	117	28	=	=	SYM
easat-5950	117	29	𝛽0	𝛽0	PROPN
easat-5950	117	30	+	+	CCONJ
easat-5950	117	31	𝛽1	𝛽1	NOUN
easat-5950	117	32	emlmfijc	emlmfijc	NOUN
easat-5950	117	33	+	+	CCONJ
easat-5950	117	34	𝛽2	𝛽2	PROPN
easat-5950	117	35	lcsmfie	lcsmfie	ADJ
easat-5950	117	36	+	+	CCONJ
easat-5950	117	37	𝛽3	𝛽3	NOUN
easat-5950	117	38	icgamfipjc	icgamfipjc	VERB
easat-5950	117	39	+	+	CCONJ
easat-5950	117	40	𝛽4	𝛽4	PROPN
easat-5950	117	41	ihrmmfijc	ihrmmfijc	NOUN
easat-5950	117	42	+	+	CCONJ
easat-5950	117	43	ε	ε	PROPN
easat-5950	117	44	(	(	PUNCT
easat-5950	117	45	3	3	X
easat-5950	117	46	)	)	PUNCT
easat-5950	117	47	these	these	DET
easat-5950	117	48	definitions	definition	NOUN
easat-5950	117	49	are	be	AUX
easat-5950	117	50	as	as	SCONJ
easat-5950	117	51	follows	follow	VERB
easat-5950	117	52	:	:	PUNCT
easat-5950	117	53	x1	x1	PRON
easat-5950	117	54	is	be	AUX
easat-5950	117	55	the	the	DET
easat-5950	117	56	existence	existence	NOUN
easat-5950	117	57	of	of	ADP
easat-5950	117	58	a	a	DET
easat-5950	117	59	significant	significant	ADJ
easat-5950	117	60	relationship	relationship	NOUN
easat-5950	117	61	between	between	ADP
easat-5950	117	62	job	job	NOUN
easat-5950	117	63	creation	creation	NOUN
easat-5950	117	64	and	and	CCONJ
easat-5950	117	65	microcredits	microcredit	NOUN
easat-5950	117	66	offered	offer	VERB
easat-5950	117	67	by	by	ADP
easat-5950	117	68	micro	micro	ADJ
easat-5950	117	69	finance	finance	NOUN
easat-5950	117	70	institutions	institution	NOUN
easat-5950	117	71	(	(	PUNCT
easat-5950	117	72	emlmfijc	emlmfijc	PROPN
easat-5950	117	73	)	)	PUNCT
easat-5950	117	74	;	;	PUNCT
easat-5950	117	75	x2	x2	PROPN
easat-5950	117	76	is	be	AUX
easat-5950	117	77	any	any	DET
easat-5950	117	78	relationship	relationship	NOUN
easat-5950	117	79	between	between	ADP
easat-5950	117	80	employment	employment	NOUN
easat-5950	117	81	growth	growth	NOUN
easat-5950	117	82	and	and	CCONJ
easat-5950	117	83	the	the	DET
easat-5950	117	84	consulting	consulting	NOUN
easat-5950	117	85	services	service	NOUN
easat-5950	117	86	offered	offer	VERB
easat-5950	117	87	by	by	ADP
easat-5950	117	88	micro	micro	ADJ
easat-5950	117	89	finance	finance	NOUN
easat-5950	117	90	institutions	institution	NOUN
easat-5950	117	91	(	(	PUNCT
easat-5950	117	92	lcsmfie	lcsmfie	ADJ
easat-5950	117	93	)	)	PUNCT
easat-5950	117	94	;	;	PUNCT
easat-5950	117	95	x3	x3	PROPN
easat-5950	117	96	is	be	AUX
easat-5950	117	97	the	the	DET
easat-5950	117	98	effect	effect	NOUN
easat-5950	117	99	of	of	ADP
easat-5950	117	100	government	government	NOUN
easat-5950	117	101	agency	agency	NOUN
easat-5950	117	102	lack	lack	NOUN
easat-5950	117	103	of	of	ADP
easat-5950	117	104	coordination	coordination	NOUN
easat-5950	117	105	on	on	ADP
easat-5950	117	106	the	the	DET
easat-5950	117	107	success	success	NOUN
easat-5950	117	108	of	of	ADP
easat-5950	117	109	micro	micro	PROPN
easat-5950	117	110	finance	finance	PROPN
easat-5950	117	111	institutions	institution	NOUN
easat-5950	117	112	'	'	PART
easat-5950	117	113	job	job	NOUN
easat-5950	117	114	creation	creation	NOUN
easat-5950	117	115	programs	program	NOUN
easat-5950	117	116	(	(	PUNCT
easat-5950	117	117	icgamfipjc	icgamfipjc	ADJ
easat-5950	117	118	)	)	PUNCT
easat-5950	117	119	;	;	PUNCT
easat-5950	117	120	and	and	CCONJ
easat-5950	117	121	x4	x4	PROPN
easat-5950	117	122	is	be	AUX
easat-5950	117	123	the	the	DET
easat-5950	117	124	effect	effect	NOUN
easat-5950	117	125	of	of	ADP
easat-5950	117	126	the	the	DET
easat-5950	117	127	high	high	ADJ
easat-5950	117	128	interest	interest	NOUN
easat-5950	117	129	rate	rate	NOUN
easat-5950	117	130	of	of	ADP
easat-5950	117	131	micro	micro	PROPN
easat-5950	117	132	finance	finance	PROPN
easat-5950	117	133	institutions	institution	NOUN
easat-5950	117	134	'	'	PART
easat-5950	117	135	microcredits	microcredit	NOUN
easat-5950	117	136	on	on	ADP
easat-5950	117	137	job	job	NOUN
easat-5950	117	138	creation	creation	NOUN
easat-5950	117	139	(	(	PUNCT
easat-5950	117	140	ihrmmfijc	ihrmmfijc	PROPN
easat-5950	117	141	)	)	PUNCT
easat-5950	117	142	.	.	PUNCT
easat-5950	118	1	the	the	DET
easat-5950	118	2	independent	independent	ADJ
easat-5950	118	3	variables	variable	NOUN
easat-5950	118	4	emlmfijc	emlmfijc	ADJ
easat-5950	118	5	,	,	PUNCT
easat-5950	118	6	150	150	NUM
easat-5950	118	7	edelweiss	edelweiss	PROPN
easat-5950	118	8	applied	apply	VERB
easat-5950	118	9	science	science	NOUN
easat-5950	118	10	and	and	CCONJ
easat-5950	118	11	technology	technology	NOUN
easat-5950	118	12	issn	issn	PROPN
easat-5950	118	13	:	:	PUNCT
easat-5950	118	14	2576	2576	NUM
easat-5950	118	15	-	-	SYM
easat-5950	118	16	8484	8484	NUM
easat-5950	118	17	vol	vol	NOUN
easat-5950	118	18	.	.	PROPN
easat-5950	119	1	9	9	NUM
easat-5950	119	2	,	,	PUNCT
easat-5950	119	3	no	no	INTJ
easat-5950	119	4	.	.	NOUN
easat-5950	120	1	4	4	NUM
easat-5950	120	2	:	:	SYM
easat-5950	120	3	146	146	NUM
easat-5950	120	4	-	-	SYM
easat-5950	120	5	156	156	NUM
easat-5950	120	6	,	,	PUNCT
easat-5950	120	7	2025	2025	NUM
easat-5950	120	8	doi	doi	NOUN
easat-5950	120	9	:	:	PUNCT
easat-5950	120	10	10.55214/25768484.v9i4.5950	10.55214/25768484.v9i4.5950	NUM
easat-5950	120	11	©	©	PROPN
easat-5950	120	12	2025	2025	NUM
easat-5950	120	13	by	by	ADP
easat-5950	120	14	the	the	DET
easat-5950	120	15	authors	author	NOUN
easat-5950	120	16	;	;	PUNCT
easat-5950	120	17	licensee	licensee	PROPN
easat-5950	120	18	learning	learning	NOUN
easat-5950	120	19	gate	gate	NOUN
easat-5950	120	20	lcsmfie	lcsmfie	ADJ
easat-5950	120	21	,	,	PUNCT
easat-5950	120	22	icgamfipjc	icgamfipjc	ADV
easat-5950	120	23	,	,	PUNCT
easat-5950	120	24	and	and	CCONJ
easat-5950	120	25	ihrmmfijc	ihrmmfijc	PROPN
easat-5950	120	26	were	be	AUX
easat-5950	120	27	compared	compare	VERB
easat-5950	120	28	to	to	ADP
easat-5950	120	29	the	the	DET
easat-5950	120	30	dependent	dependent	ADJ
easat-5950	120	31	variable	variable	ADJ
easat-5950	120	32	y	y	PROPN
easat-5950	120	33	,	,	PUNCT
easat-5950	120	34	which	which	PRON
easat-5950	120	35	is	be	AUX
easat-5950	120	36	job	job	NOUN
easat-5950	120	37	creation	creation	NOUN
easat-5950	120	38	through	through	ADP
easat-5950	120	39	micro	micro	ADJ
easat-5950	120	40	finance	finance	NOUN
easat-5950	120	41	institutions	institution	NOUN
easat-5950	120	42	activities	activity	NOUN
easat-5950	120	43	(	(	PUNCT
easat-5950	120	44	jcamfi	jcamfi	NOUN
easat-5950	120	45	)	)	PUNCT
easat-5950	120	46	.	.	PUNCT
easat-5950	121	1	4	4	X
easat-5950	121	2	.	.	X
easat-5950	121	3	data	datum	NOUN
easat-5950	121	4	analysis	analysis	NOUN
easat-5950	121	5	and	and	CCONJ
easat-5950	121	6	results	result	VERB
easat-5950	121	7	4.1	4.1	NUM
easat-5950	121	8	.	.	PUNCT
easat-5950	122	1	analysis	analysis	NOUN
easat-5950	122	2	of	of	ADP
easat-5950	122	3	the	the	DET
easat-5950	122	4	microfinance	microfinance	NOUN
easat-5950	122	5	sector	sector	NOUN
easat-5950	122	6	in	in	ADP
easat-5950	122	7	kosovo	kosovo	PROPN
easat-5950	122	8	economic	economic	PROPN
easat-5950	122	9	development	development	PROPN
easat-5950	122	10	and	and	CCONJ
easat-5950	122	11	job	job	NOUN
easat-5950	122	12	creation	creation	NOUN
easat-5950	122	13	in	in	ADP
easat-5950	122	14	kosovo	kosovo	PROPN
easat-5950	122	15	are	be	AUX
easat-5950	122	16	drivers	driver	NOUN
easat-5950	122	17	of	of	ADP
easat-5950	122	18	the	the	DET
easat-5950	122	19	country	country	NOUN
easat-5950	122	20	's	's	PART
easat-5950	122	21	socio	socio	NOUN
easat-5950	122	22	-	-	PUNCT
easat-5950	122	23	economic	economic	ADJ
easat-5950	122	24	development	development	NOUN
easat-5950	122	25	,	,	PUNCT
easat-5950	122	26	so	so	SCONJ
easat-5950	122	27	in	in	ADP
easat-5950	122	28	this	this	DET
easat-5950	122	29	regard	regard	NOUN
easat-5950	122	30	,	,	PUNCT
easat-5950	122	31	mfis	mfis	PROPN
easat-5950	122	32	have	have	AUX
easat-5950	122	33	played	play	VERB
easat-5950	122	34	an	an	DET
easat-5950	122	35	essential	essential	ADJ
easat-5950	122	36	role	role	NOUN
easat-5950	122	37	by	by	ADP
easat-5950	122	38	providing	provide	VERB
easat-5950	122	39	microloans	microloan	NOUN
easat-5950	122	40	to	to	ADP
easat-5950	122	41	individuals	individual	NOUN
easat-5950	122	42	and	and	CCONJ
easat-5950	122	43	small	small	ADJ
easat-5950	122	44	and	and	CCONJ
easat-5950	122	45	medium	medium	ADJ
easat-5950	122	46	-	-	PUNCT
easat-5950	122	47	sized	sized	ADJ
easat-5950	122	48	enterprises	enterprise	NOUN
easat-5950	122	49	,	,	PUNCT
easat-5950	122	50	helping	help	VERB
easat-5950	122	51	to	to	PART
easat-5950	122	52	create	create	VERB
easat-5950	122	53	and	and	CCONJ
easat-5950	122	54	expand	expand	VERB
easat-5950	122	55	businesses	business	NOUN
easat-5950	122	56	,	,	PUNCT
easat-5950	122	57	which	which	PRON
easat-5950	122	58	has	have	AUX
easat-5950	122	59	led	lead	VERB
easat-5950	122	60	to	to	ADP
easat-5950	122	61	the	the	DET
easat-5950	122	62	creation	creation	NOUN
easat-5950	122	63	of	of	ADP
easat-5950	122	64	new	new	ADJ
easat-5950	122	65	jobs	job	NOUN
easat-5950	122	66	.	.	PUNCT
easat-5950	123	1	based	base	VERB
easat-5950	123	2	on	on	ADP
easat-5950	123	3	the	the	DET
easat-5950	123	4	report	report	NOUN
easat-5950	123	5	published	publish	VERB
easat-5950	123	6	by	by	ADP
easat-5950	123	7	the	the	DET
easat-5950	123	8	statistical	statistical	ADJ
easat-5950	123	9	agency	agency	NOUN
easat-5950	123	10	of	of	ADP
easat-5950	123	11	kosovo	kosovo	PROPN
easat-5950	123	12	(	(	PUNCT
easat-5950	123	13	sak	sak	PROPN
easat-5950	123	14	)	)	PUNCT
easat-5950	123	15	,	,	PUNCT
easat-5950	123	16	it	it	PRON
easat-5950	123	17	appears	appear	VERB
easat-5950	123	18	that	that	SCONJ
easat-5950	123	19	financial	financial	ADJ
easat-5950	123	20	and	and	CCONJ
easat-5950	123	21	insurance	insurance	NOUN
easat-5950	123	22	activities	activity	NOUN
easat-5950	123	23	in	in	ADP
easat-5950	123	24	kosovo	kosovo	PROPN
easat-5950	123	25	contribute	contribute	VERB
easat-5950	123	26	416,894,000	416,894,000	NUM
easat-5950	123	27	euros	euro	NOUN
easat-5950	123	28	to	to	ADP
easat-5950	123	29	the	the	DET
easat-5950	123	30	gross	gross	ADJ
easat-5950	123	31	domestic	domestic	ADJ
easat-5950	123	32	product	product	NOUN
easat-5950	123	33	(	(	PUNCT
easat-5950	123	34	gdp	gdp	NOUN
easat-5950	123	35	)	)	PUNCT
easat-5950	123	36	by	by	ADP
easat-5950	123	37	economic	economic	ADJ
easat-5950	123	38	activities	activity	NOUN
easat-5950	123	39	at	at	ADP
easat-5950	123	40	current	current	ADJ
easat-5950	123	41	prices	price	NOUN
easat-5950	123	42	,	,	PUNCT
easat-5950	123	43	where	where	SCONJ
easat-5950	123	44	its	its	PRON
easat-5950	123	45	value	value	NOUN
easat-5950	123	46	was	be	AUX
easat-5950	123	47	around	around	ADV
easat-5950	123	48	9,680,068,000	9,680,068,000	NUM
easat-5950	123	49	euros	euro	NOUN
easat-5950	124	1	[	[	X
easat-5950	124	2	30	30	NUM
easat-5950	124	3	]	]	PUNCT
easat-5950	124	4	.	.	PUNCT
easat-5950	125	1	through	through	ADP
easat-5950	125	2	their	their	PRON
easat-5950	125	3	dedication	dedication	NOUN
easat-5950	125	4	and	and	CCONJ
easat-5950	125	5	commitment	commitment	NOUN
easat-5950	125	6	,	,	PUNCT
easat-5950	125	7	microfinance	microfinance	NOUN
easat-5950	125	8	institutions	institution	NOUN
easat-5950	125	9	in	in	ADP
easat-5950	125	10	kosovo	kosovo	PROPN
easat-5950	125	11	continue	continue	VERB
easat-5950	125	12	to	to	PART
easat-5950	125	13	be	be	AUX
easat-5950	125	14	an	an	DET
easat-5950	125	15	important	important	ADJ
easat-5950	125	16	engine	engine	NOUN
easat-5950	125	17	of	of	ADP
easat-5950	125	18	economic	economic	ADJ
easat-5950	125	19	development	development	NOUN
easat-5950	125	20	and	and	CCONJ
easat-5950	125	21	improvement	improvement	NOUN
easat-5950	125	22	of	of	ADP
easat-5950	125	23	the	the	DET
easat-5950	125	24	wellbeing	wellbeing	NOUN
easat-5950	125	25	of	of	ADP
easat-5950	125	26	kosovo	kosovo	PROPN
easat-5950	125	27	citizens	citizen	NOUN
easat-5950	125	28	.	.	PUNCT
easat-5950	126	1	the	the	DET
easat-5950	126	2	microfinance	microfinance	NOUN
easat-5950	126	3	sector	sector	NOUN
easat-5950	126	4	in	in	ADP
easat-5950	126	5	kosovo	kosovo	PROPN
easat-5950	126	6	has	have	AUX
easat-5950	126	7	continued	continue	VERB
easat-5950	126	8	to	to	PART
easat-5950	126	9	grow	grow	VERB
easat-5950	126	10	during	during	ADP
easat-5950	126	11	september	september	PROPN
easat-5950	126	12	2024	2024	NUM
easat-5950	126	13	;	;	PUNCT
easat-5950	126	14	the	the	DET
easat-5950	126	15	amount	amount	NOUN
easat-5950	126	16	of	of	ADP
easat-5950	126	17	active	active	ADJ
easat-5950	126	18	loans	loan	NOUN
easat-5950	126	19	reached	reach	VERB
easat-5950	126	20	381	381	NUM
easat-5950	126	21	million	million	NUM
easat-5950	126	22	euros	euro	NOUN
easat-5950	126	23	distributed	distribute	VERB
easat-5950	126	24	to	to	ADP
easat-5950	126	25	125	125	NUM
easat-5950	126	26	thousand	thousand	NUM
easat-5950	126	27	clients	client	NOUN
easat-5950	126	28	[	[	X
easat-5950	126	29	31	31	NUM
easat-5950	126	30	]	]	PUNCT
easat-5950	126	31	.	.	PUNCT
easat-5950	127	1	based	base	VERB
easat-5950	127	2	on	on	ADP
easat-5950	127	3	the	the	DET
easat-5950	127	4	annual	annual	ADJ
easat-5950	127	5	report	report	NOUN
easat-5950	127	6	of	of	ADP
easat-5950	127	7	amik	amik	ADJ
easat-5950	127	8	members	member	NOUN
easat-5950	127	9	,	,	PUNCT
easat-5950	127	10	below	below	ADP
easat-5950	127	11	we	we	PRON
easat-5950	127	12	present	present	VERB
easat-5950	127	13	the	the	DET
easat-5950	127	14	main	main	ADJ
easat-5950	127	15	data	datum	NOUN
easat-5950	127	16	of	of	ADP
easat-5950	127	17	the	the	DET
easat-5950	127	18	mfis	mfis	NOUN
easat-5950	127	19	operating	operate	VERB
easat-5950	127	20	in	in	ADP
easat-5950	127	21	kosovo	kosovo	PROPN
easat-5950	127	22	;	;	PUNCT
easat-5950	127	23	see	see	VERB
easat-5950	127	24	table	table	NOUN
easat-5950	127	25	1	1	NUM
easat-5950	127	26	.	.	PUNCT
easat-5950	127	27	table	table	NOUN
easat-5950	127	28	1	1	NUM
easat-5950	127	29	.	.	PUNCT
easat-5950	127	30	key	key	ADJ
easat-5950	127	31	imf	imf	PROPN
easat-5950	127	32	data	datum	NOUN
easat-5950	127	33	as	as	ADP
easat-5950	127	34	of	of	ADP
easat-5950	127	35	september	september	PROPN
easat-5950	127	36	2024	2024	NUM
easat-5950	127	37	.	.	PUNCT
easat-5950	128	1	total	total	ADJ
easat-5950	128	2	loan	loan	NOUN
easat-5950	128	3	portfolio	portfolio	NOUN
easat-5950	128	4	(	(	PUNCT
easat-5950	128	5	active	active	ADJ
easat-5950	128	6	):	):	PUNCT
easat-5950	128	7	381	381	NUM
easat-5950	128	8	million	million	NUM
easat-5950	128	9	euros	euro	NOUN
easat-5950	128	10	total	total	ADJ
easat-5950	128	11	number	number	NOUN
easat-5950	128	12	of	of	ADP
easat-5950	128	13	borrowers	borrower	NOUN
easat-5950	128	14	(	(	PUNCT
easat-5950	128	15	active	active	ADJ
easat-5950	128	16	):	):	PUNCT
easat-5950	128	17	125,730	125,730	NUM
easat-5950	128	18	average	average	ADJ
easat-5950	128	19	loan	loan	NOUN
easat-5950	128	20	size	size	NOUN
easat-5950	128	21	(	(	PUNCT
easat-5950	128	22	active	active	ADJ
easat-5950	128	23	):	):	PUNCT
easat-5950	128	24	3,631	3,631	NUM
easat-5950	128	25	value	value	NOUN
easat-5950	128	26	of	of	ADP
easat-5950	128	27	new	new	ADJ
easat-5950	128	28	loans	loan	NOUN
easat-5950	128	29	disbursed	disburse	VERB
easat-5950	128	30	:	:	PUNCT
easat-5950	128	31	31	31	NUM
easat-5950	128	32	million	million	NUM
easat-5950	128	33	euros	euro	NOUN
easat-5950	128	34	total	total	ADJ
easat-5950	128	35	number	number	NOUN
easat-5950	128	36	of	of	ADP
easat-5950	128	37	employees	employee	NOUN
easat-5950	128	38	:	:	PUNCT
easat-5950	128	39	1,219	1,219	NUM
easat-5950	128	40	total	total	ADJ
easat-5950	128	41	number	number	NOUN
easat-5950	128	42	of	of	ADP
easat-5950	128	43	branches	branch	NOUN
easat-5950	128	44	:	:	PUNCT
easat-5950	128	45	137	137	NUM
easat-5950	128	46	source	source	NOUN
easat-5950	128	47	:	:	PUNCT
easat-5950	128	48	the	the	DET
easat-5950	128	49	writers	writer	NOUN
easat-5950	128	50	processed	process	VERB
easat-5950	128	51	data	datum	NOUN
easat-5950	128	52	from	from	ADP
easat-5950	128	53	the	the	DET
easat-5950	128	54	association	association	NOUN
easat-5950	128	55	of	of	ADP
easat-5950	128	56	microfinance	microfinance	NOUN
easat-5950	128	57	institutions	institution	NOUN
easat-5950	128	58	of	of	ADP
easat-5950	128	59	kosovo	kosovo	PROPN
easat-5950	128	60	in	in	ADP
easat-5950	128	61	2024	2024	NUM
easat-5950	128	62	.	.	PUNCT
easat-5950	129	1	regarding	regard	VERB
easat-5950	129	2	the	the	DET
easat-5950	129	3	structure	structure	NOUN
easat-5950	129	4	and	and	CCONJ
easat-5950	129	5	activities	activity	NOUN
easat-5950	129	6	of	of	ADP
easat-5950	129	7	mfis	mfis	NOUN
easat-5950	129	8	and	and	CCONJ
easat-5950	129	9	nbfis	nbfi	VERB
easat-5950	129	10	in	in	ADP
easat-5950	129	11	kosovo	kosovo	PROPN
easat-5950	129	12	,	,	PUNCT
easat-5950	129	13	according	accord	VERB
easat-5950	129	14	to	to	ADP
easat-5950	129	15	the	the	DET
easat-5950	129	16	monthly	monthly	ADJ
easat-5950	129	17	statistical	statistical	ADJ
easat-5950	129	18	bulletin	bulletin	NOUN
easat-5950	129	19	published	publish	VERB
easat-5950	129	20	in	in	ADP
easat-5950	129	21	september	september	PROPN
easat-5950	129	22	2024	2024	NUM
easat-5950	129	23	by	by	ADP
easat-5950	129	24	the	the	DET
easat-5950	129	25	cbk	cbk	PROPN
easat-5950	129	26	,	,	PUNCT
easat-5950	129	27	9	9	NUM
easat-5950	129	28	mfis	mfis	NOUN
easat-5950	129	29	operate	operate	NOUN
easat-5950	129	30	in	in	ADP
easat-5950	129	31	kosovo	kosovo	PROPN
easat-5950	129	32	,	,	PUNCT
easat-5950	129	33	of	of	ADP
easat-5950	129	34	which	which	PRON
easat-5950	129	35	6	6	NUM
easat-5950	129	36	are	be	AUX
easat-5950	129	37	foreign	foreign	NOUN
easat-5950	129	38	-	-	PUNCT
easat-5950	129	39	owned	own	VERB
easat-5950	129	40	,	,	PUNCT
easat-5950	129	41	while	while	SCONJ
easat-5950	129	42	the	the	DET
easat-5950	129	43	number	number	NOUN
easat-5950	129	44	of	of	ADP
easat-5950	129	45	nbfis	nbfis	NOUN
easat-5950	129	46	operating	operate	VERB
easat-5950	129	47	in	in	ADP
easat-5950	129	48	kosovo	kosovo	PROPN
easat-5950	129	49	is	be	AUX
easat-5950	129	50	23	23	NUM
easat-5950	129	51	,	,	PUNCT
easat-5950	129	52	of	of	ADP
easat-5950	129	53	which	which	PRON
easat-5950	129	54	8	8	NUM
easat-5950	129	55	are	be	AUX
easat-5950	129	56	foreign	foreign	NOUN
easat-5950	129	57	-	-	PUNCT
easat-5950	129	58	owned	own	VERB
easat-5950	129	59	.	.	PUNCT
easat-5950	130	1	regarding	regard	VERB
easat-5950	130	2	the	the	DET
easat-5950	130	3	financial	financial	ADJ
easat-5950	130	4	activities	activity	NOUN
easat-5950	130	5	of	of	ADP
easat-5950	130	6	mfis	mfis	NOUN
easat-5950	130	7	and	and	CCONJ
easat-5950	130	8	nbfis	nbfis	VERB
easat-5950	130	9	,	,	PUNCT
easat-5950	130	10	according	accord	VERB
easat-5950	130	11	to	to	ADP
easat-5950	130	12	the	the	DET
easat-5950	130	13	situation	situation	NOUN
easat-5950	130	14	in	in	ADP
easat-5950	130	15	september	september	PROPN
easat-5950	130	16	2024	2024	NUM
easat-5950	130	17	,	,	PUNCT
easat-5950	130	18	the	the	DET
easat-5950	130	19	value	value	NOUN
easat-5950	130	20	of	of	ADP
easat-5950	130	21	assets	asset	NOUN
easat-5950	130	22	is	be	AUX
easat-5950	130	23	627.9	627.9	NUM
easat-5950	130	24	,	,	PUNCT
easat-5950	130	25	loans	loan	NOUN
easat-5950	130	26	and	and	CCONJ
easat-5950	130	27	leasing	lease	VERB
easat-5950	130	28	535.5	535.5	NUM
easat-5950	130	29	,	,	PUNCT
easat-5950	130	30	for	for	ADP
easat-5950	130	31	households	household	NOUN
easat-5950	130	32	284.5	284.5	NUM
easat-5950	130	33	,	,	PUNCT
easat-5950	130	34	and	and	CCONJ
easat-5950	130	35	for	for	ADP
easat-5950	130	36	non	non	ADJ
easat-5950	130	37	-	-	ADJ
easat-5950	130	38	financial	financial	ADJ
easat-5950	130	39	corporations	corporation	NOUN
easat-5950	130	40	251.0	251.0	NUM
easat-5950	130	41	.	.	PUNCT
easat-5950	131	1	the	the	DET
easat-5950	131	2	annual	annual	ADJ
easat-5950	131	3	change	change	NOUN
easat-5950	131	4	in	in	ADP
easat-5950	131	5	loans	loan	NOUN
easat-5950	131	6	and	and	CCONJ
easat-5950	131	7	leasing	leasing	NOUN
easat-5950	131	8	is	be	AUX
easat-5950	131	9	21.6	21.6	NUM
easat-5950	131	10	%	%	NOUN
easat-5950	131	11	,	,	PUNCT
easat-5950	131	12	for	for	ADP
easat-5950	131	13	households	household	NOUN
easat-5950	131	14	15.9	15.9	NUM
easat-5950	131	15	%	%	NOUN
easat-5950	131	16	,	,	PUNCT
easat-5950	131	17	and	and	CCONJ
easat-5950	131	18	for	for	ADP
easat-5950	131	19	non	non	ADJ
easat-5950	131	20	-	-	ADJ
easat-5950	131	21	financial	financial	ADJ
easat-5950	131	22	corporations	corporation	NOUN
easat-5950	131	23	28.9	28.9	NUM
easat-5950	131	24	%	%	NOUN
easat-5950	131	25	;	;	PUNCT
easat-5950	131	26	the	the	DET
easat-5950	131	27	interest	interest	NOUN
easat-5950	131	28	rate	rate	NOUN
easat-5950	131	29	on	on	ADP
easat-5950	131	30	loans	loan	NOUN
easat-5950	131	31	and	and	CCONJ
easat-5950	131	32	leasing	leasing	NOUN
easat-5950	131	33	is	be	AUX
easat-5950	131	34	around	around	ADV
easat-5950	131	35	18.8	18.8	NUM
easat-5950	131	36	%	%	NOUN
easat-5950	131	37	[	[	X
easat-5950	131	38	32	32	NUM
easat-5950	131	39	]	]	PUNCT
easat-5950	131	40	.	.	PUNCT
easat-5950	132	1	4.2	4.2	NUM
easat-5950	132	2	.	.	PUNCT
easat-5950	133	1	survey	survey	NOUN
easat-5950	133	2	results	result	VERB
easat-5950	133	3	the	the	DET
easat-5950	133	4	following	follow	VERB
easat-5950	133	5	is	be	AUX
easat-5950	133	6	a	a	DET
easat-5950	133	7	presentation	presentation	NOUN
easat-5950	133	8	of	of	ADP
easat-5950	133	9	the	the	DET
easat-5950	133	10	survey	survey	NOUN
easat-5950	133	11	's	's	PART
easat-5950	133	12	findings	finding	NOUN
easat-5950	133	13	about	about	ADP
easat-5950	133	14	the	the	DET
easat-5950	133	15	relationships	relationship	NOUN
easat-5950	133	16	between	between	ADP
easat-5950	133	17	mfis	mfis	PROPN
easat-5950	133	18	'	'	PART
easat-5950	133	19	microloans	microloan	NOUN
easat-5950	133	20	,	,	PUNCT
easat-5950	133	21	their	their	PRON
easat-5950	133	22	consultancy	consultancy	NOUN
easat-5950	133	23	services	service	NOUN
easat-5950	133	24	,	,	PUNCT
easat-5950	133	25	the	the	DET
easat-5950	133	26	lack	lack	NOUN
easat-5950	133	27	of	of	ADP
easat-5950	133	28	coordination	coordination	NOUN
easat-5950	133	29	between	between	ADP
easat-5950	133	30	government	government	NOUN
easat-5950	133	31	agencies	agency	NOUN
easat-5950	133	32	and	and	CCONJ
easat-5950	133	33	mfi	mfi	PROPN
easat-5950	133	34	programs	program	NOUN
easat-5950	133	35	,	,	PUNCT
easat-5950	133	36	and	and	CCONJ
easat-5950	133	37	the	the	DET
easat-5950	133	38	effect	effect	NOUN
easat-5950	133	39	of	of	ADP
easat-5950	133	40	the	the	DET
easat-5950	133	41	high	high	ADJ
easat-5950	133	42	interest	interest	NOUN
easat-5950	133	43	rates	rate	NOUN
easat-5950	133	44	of	of	ADP
easat-5950	133	45	mfi	mfi	PROPN
easat-5950	133	46	credit	credit	NOUN
easat-5950	133	47	on	on	ADP
easat-5950	133	48	job	job	NOUN
easat-5950	133	49	creation	creation	NOUN
easat-5950	133	50	:	:	PUNCT
easat-5950	133	51	in	in	ADP
easat-5950	133	52	summary	summary	NOUN
easat-5950	133	53	,	,	PUNCT
easat-5950	133	54	the	the	DET
easat-5950	133	55	descriptive	descriptive	ADJ
easat-5950	133	56	analyses	analysis	NOUN
easat-5950	133	57	derived	derive	VERB
easat-5950	133	58	from	from	ADP
easat-5950	133	59	150	150	NUM
easat-5950	133	60	observations	observation	NOUN
easat-5950	133	61	show	show	VERB
easat-5950	133	62	that	that	SCONJ
easat-5950	133	63	the	the	DET
easat-5950	133	64	kurtosis	kurtosis	NOUN
easat-5950	133	65	is	be	AUX
easat-5950	133	66	-1.675	-1.675	NOUN
easat-5950	133	67	,	,	PUNCT
easat-5950	133	68	the	the	DET
easat-5950	133	69	skewness	skewness	NOUN
easat-5950	133	70	of	of	ADP
easat-5950	133	71	0.589	0.589	NUM
easat-5950	133	72	indicates	indicate	VERB
easat-5950	133	73	a	a	DET
easat-5950	133	74	minor	minor	ADJ
easat-5950	133	75	negative	negative	ADJ
easat-5950	133	76	asymmetry	asymmetry	NOUN
easat-5950	133	77	,	,	PUNCT
easat-5950	133	78	the	the	DET
easat-5950	133	79	average	average	NOUN
easat-5950	133	80	is	be	AUX
easat-5950	133	81	1.64	1.64	NUM
easat-5950	133	82	,	,	PUNCT
easat-5950	133	83	and	and	CCONJ
easat-5950	133	84	the	the	DET
easat-5950	133	85	standard	standard	ADJ
easat-5950	133	86	deviation	deviation	NOUN
easat-5950	133	87	is	be	AUX
easat-5950	133	88	0.482	0.482	NUM
easat-5950	133	89	.	.	PUNCT
easat-5950	134	1	according	accord	VERB
easat-5950	134	2	to	to	ADP
easat-5950	134	3	the	the	DET
easat-5950	134	4	observation	observation	NOUN
easat-5950	134	5	by	by	ADP
easat-5950	134	6	variables	variable	NOUN
easat-5950	134	7	,	,	PUNCT
easat-5950	134	8	the	the	DET
easat-5950	134	9	standard	standard	ADJ
easat-5950	134	10	deviation	deviation	NOUN
easat-5950	134	11	is	be	AUX
easat-5950	134	12	0.348	0.348	NUM
easat-5950	134	13	,	,	PUNCT
easat-5950	134	14	and	and	CCONJ
easat-5950	134	15	the	the	DET
easat-5950	134	16	average	average	NOUN
easat-5950	134	17	of	of	ADP
easat-5950	134	18	the	the	DET
easat-5950	134	19	relationship	relationship	NOUN
easat-5950	134	20	between	between	ADP
easat-5950	134	21	microloans	microloan	NOUN
easat-5950	134	22	from	from	ADP
easat-5950	134	23	mfis	mfis	NOUN
easat-5950	134	24	and	and	CCONJ
easat-5950	134	25	the	the	DET
easat-5950	134	26	creation	creation	NOUN
easat-5950	134	27	of	of	ADP
easat-5950	134	28	new	new	ADJ
easat-5950	134	29	jobs	job	NOUN
easat-5950	134	30	is	be	AUX
easat-5950	134	31	0.14	0.14	NUM
easat-5950	134	32	.	.	PUNCT
easat-5950	135	1	employment	employment	NOUN
easat-5950	135	2	growth	growth	NOUN
easat-5950	135	3	and	and	CCONJ
easat-5950	135	4	mfis	mfis	NOUN
easat-5950	135	5	'	'	PUNCT
easat-5950	135	6	provision	provision	NOUN
easat-5950	135	7	of	of	ADP
easat-5950	135	8	consulting	consulting	NOUN
easat-5950	135	9	services	service	NOUN
easat-5950	135	10	have	have	VERB
easat-5950	135	11	a	a	DET
easat-5950	135	12	3.31	3.31	NUM
easat-5950	135	13	correlation	correlation	NOUN
easat-5950	135	14	,	,	PUNCT
easat-5950	135	15	with	with	ADP
easat-5950	135	16	a	a	DET
easat-5950	135	17	4.291	4.291	NUM
easat-5950	135	18	standard	standard	ADJ
easat-5950	135	19	deviation	deviation	NOUN
easat-5950	135	20	.	.	PUNCT
easat-5950	136	1	the	the	DET
easat-5950	136	2	impact	impact	NOUN
easat-5950	136	3	of	of	ADP
easat-5950	136	4	the	the	DET
easat-5950	136	5	government	government	NOUN
easat-5950	136	6	agency	agency	NOUN
easat-5950	136	7	's	's	PART
easat-5950	136	8	lack	lack	NOUN
easat-5950	136	9	of	of	ADP
easat-5950	136	10	cooperation	cooperation	NOUN
easat-5950	136	11	on	on	ADP
easat-5950	136	12	mfi	mfi	PROPN
easat-5950	136	13	programs	program	NOUN
easat-5950	136	14	'	'	PART
easat-5950	136	15	ability	ability	NOUN
easat-5950	136	16	to	to	PART
easat-5950	136	17	create	create	VERB
easat-5950	136	18	new	new	ADJ
easat-5950	136	19	jobs	job	NOUN
easat-5950	136	20	is	be	AUX
easat-5950	136	21	3.63	3.63	NUM
easat-5950	136	22	on	on	ADP
easat-5950	136	23	average	average	ADJ
easat-5950	136	24	,	,	PUNCT
easat-5950	136	25	with	with	ADP
easat-5950	136	26	a	a	DET
easat-5950	136	27	standard	standard	ADJ
easat-5950	136	28	deviation	deviation	NOUN
easat-5950	136	29	of	of	ADP
easat-5950	136	30	4.063	4.063	NUM
easat-5950	136	31	.	.	PUNCT
easat-5950	137	1	the	the	DET
easat-5950	137	2	standard	standard	ADJ
easat-5950	137	3	deviation	deviation	NOUN
easat-5950	137	4	is	be	AUX
easat-5950	137	5	approximately	approximately	ADV
easat-5950	137	6	4.326	4.326	NUM
easat-5950	137	7	,	,	PUNCT
easat-5950	137	8	while	while	SCONJ
easat-5950	137	9	the	the	DET
easat-5950	137	10	average	average	ADJ
easat-5950	137	11	effect	effect	NOUN
easat-5950	137	12	of	of	ADP
easat-5950	137	13	the	the	DET
easat-5950	137	14	high	high	ADJ
easat-5950	137	15	interest	interest	NOUN
easat-5950	137	16	rate	rate	NOUN
easat-5950	137	17	of	of	ADP
easat-5950	137	18	microcredits	microcredit	NOUN
easat-5950	137	19	offered	offer	VERB
easat-5950	137	20	by	by	ADP
easat-5950	137	21	mfis	mfis	NOUN
easat-5950	137	22	on	on	ADP
easat-5950	137	23	job	job	NOUN
easat-5950	137	24	creation	creation	NOUN
easat-5950	137	25	is	be	AUX
easat-5950	137	26	3.25	3.25	NUM
easat-5950	137	27	.	.	PUNCT
easat-5950	138	1	refer	refer	VERB
easat-5950	138	2	to	to	ADP
easat-5950	138	3	table	table	NOUN
easat-5950	138	4	2	2	NUM
easat-5950	138	5	for	for	ADP
easat-5950	138	6	specifics	specific	NOUN
easat-5950	138	7	.	.	PUNCT
easat-5950	139	1	151	151	NUM
easat-5950	139	2	edelweiss	edelweiss	PROPN
easat-5950	139	3	applied	apply	VERB
easat-5950	139	4	science	science	NOUN
easat-5950	139	5	and	and	CCONJ
easat-5950	139	6	technology	technology	NOUN
easat-5950	139	7	issn	issn	PROPN
easat-5950	139	8	:	:	PUNCT
easat-5950	139	9	2576	2576	NUM
easat-5950	139	10	-	-	SYM
easat-5950	139	11	8484	8484	NUM
easat-5950	139	12	vol	vol	NOUN
easat-5950	139	13	.	.	PROPN
easat-5950	140	1	9	9	NUM
easat-5950	140	2	,	,	PUNCT
easat-5950	140	3	no	no	INTJ
easat-5950	140	4	.	.	NOUN
easat-5950	141	1	4	4	NUM
easat-5950	141	2	:	:	SYM
easat-5950	141	3	146	146	NUM
easat-5950	141	4	-	-	SYM
easat-5950	141	5	156	156	NUM
easat-5950	141	6	,	,	PUNCT
easat-5950	141	7	2025	2025	NUM
easat-5950	141	8	doi	doi	NOUN
easat-5950	141	9	:	:	PUNCT
easat-5950	141	10	10.55214/25768484.v9i4.5950	10.55214/25768484.v9i4.5950	NUM
easat-5950	141	11	©	©	PROPN
easat-5950	141	12	2025	2025	NUM
easat-5950	141	13	by	by	ADP
easat-5950	141	14	the	the	DET
easat-5950	141	15	authors	author	NOUN
easat-5950	141	16	;	;	PUNCT
easat-5950	141	17	licensee	licensee	PROPN
easat-5950	141	18	learning	learn	VERB
easat-5950	141	19	gate	gate	NOUN
easat-5950	141	20	table	table	NOUN
easat-5950	141	21	2	2	NUM
easat-5950	141	22	.	.	PUNCT
easat-5950	141	23	descriptive	descriptive	ADJ
easat-5950	141	24	statistics	statistic	NOUN
easat-5950	141	25	of	of	ADP
easat-5950	141	26	variables	variable	NOUN
easat-5950	141	27	.	.	PUNCT
easat-5950	142	1	according	accord	VERB
easat-5950	142	2	to	to	ADP
easat-5950	142	3	the	the	DET
easat-5950	142	4	results	result	NOUN
easat-5950	142	5	of	of	ADP
easat-5950	142	6	the	the	DET
easat-5950	142	7	anova	anova	PROPN
easat-5950	142	8	analysis	analysis	NOUN
easat-5950	142	9	,	,	PUNCT
easat-5950	142	10	the	the	DET
easat-5950	142	11	regression	regression	NOUN
easat-5950	142	12	model	model	NOUN
easat-5950	142	13	predicts	predict	VERB
easat-5950	142	14	the	the	DET
easat-5950	142	15	dependent	dependent	ADJ
easat-5950	142	16	variable	variable	ADJ
easat-5950	142	17	job	job	NOUN
easat-5950	142	18	creation	creation	NOUN
easat-5950	142	19	with	with	ADP
easat-5950	142	20	statistical	statistical	ADJ
easat-5950	142	21	significance	significance	NOUN
easat-5950	142	22	.	.	PUNCT
easat-5950	143	1	this	this	DET
easat-5950	143	2	information	information	NOUN
easat-5950	143	3	can	can	AUX
easat-5950	143	4	be	be	AUX
easat-5950	143	5	displayed	display	VERB
easat-5950	143	6	as	as	SCONJ
easat-5950	143	7	follows	follow	VERB
easat-5950	143	8	:	:	PUNCT
easat-5950	143	9	model	model	NOUN
easat-5950	143	10	:	:	PUNCT
easat-5950	143	11	the	the	DET
easat-5950	143	12	regression	regression	NOUN
easat-5950	143	13	model	model	NOUN
easat-5950	143	14	's	's	PART
easat-5950	143	15	analysis	analysis	NOUN
easat-5950	143	16	of	of	ADP
easat-5950	143	17	variance	variance	NOUN
easat-5950	143	18	(	(	PUNCT
easat-5950	143	19	anova	anova	PROPN
easat-5950	143	20	)	)	PUNCT
easat-5950	143	21	findings	finding	NOUN
easat-5950	143	22	are	be	AUX
easat-5950	143	23	displayed	display	VERB
easat-5950	143	24	in	in	ADP
easat-5950	143	25	this	this	DET
easat-5950	143	26	table	table	NOUN
easat-5950	143	27	.	.	PUNCT
easat-5950	144	1	in	in	ADP
easat-5950	144	2	addition	addition	NOUN
easat-5950	144	3	to	to	ADP
easat-5950	144	4	the	the	DET
easat-5950	144	5	constant	constant	ADJ
easat-5950	144	6	term	term	NOUN
easat-5950	144	7	,	,	PUNCT
easat-5950	144	8	there	there	PRON
easat-5950	144	9	are	be	VERB
easat-5950	144	10	four	four	NUM
easat-5950	144	11	predictor	predictor	NOUN
easat-5950	144	12	variables	variable	NOUN
easat-5950	144	13	.	.	PUNCT
easat-5950	145	1	total	total	ADJ
easat-5950	145	2	squares	square	NOUN
easat-5950	145	3	:	:	PUNCT
easat-5950	145	4	regression	regression	NOUN
easat-5950	145	5	=	=	SYM
easat-5950	145	6	34.546	34.546	NUM
easat-5950	145	7	:	:	PUNCT
easat-5950	145	8	this	this	DET
easat-5950	145	9	figure	figure	NOUN
easat-5950	145	10	shows	show	VERB
easat-5950	145	11	how	how	SCONJ
easat-5950	145	12	much	much	ADJ
easat-5950	145	13	of	of	ADP
easat-5950	145	14	the	the	DET
easat-5950	145	15	variance	variance	NOUN
easat-5950	145	16	in	in	ADP
easat-5950	145	17	the	the	DET
easat-5950	145	18	dependent	dependent	ADJ
easat-5950	145	19	variable	variable	NOUN
easat-5950	145	20	the	the	DET
easat-5950	145	21	regression	regression	NOUN
easat-5950	145	22	model	model	NOUN
easat-5950	145	23	can	can	AUX
easat-5950	145	24	account	account	VERB
easat-5950	145	25	for	for	ADP
easat-5950	145	26	.	.	PUNCT
easat-5950	146	1	the	the	DET
easat-5950	146	2	model	model	NOUN
easat-5950	146	3	explains	explain	VERB
easat-5950	146	4	a	a	DET
easat-5950	146	5	significant	significant	ADJ
easat-5950	146	6	amount	amount	NOUN
easat-5950	146	7	of	of	ADP
easat-5950	146	8	the	the	DET
easat-5950	146	9	data	datum	NOUN
easat-5950	146	10	variation	variation	NOUN
easat-5950	146	11	,	,	PUNCT
easat-5950	146	12	as	as	SCONJ
easat-5950	146	13	shown	show	VERB
easat-5950	146	14	by	by	ADP
easat-5950	146	15	a	a	DET
easat-5950	146	16	high	high	ADJ
easat-5950	146	17	value	value	NOUN
easat-5950	146	18	.	.	PUNCT
easat-5950	147	1	residual	residual	ADJ
easat-5950	147	2	=	=	ADJ
easat-5950	147	3	0.014	0.014	NUM
easat-5950	147	4	:	:	PUNCT
easat-5950	147	5	this	this	DET
easat-5950	147	6	figure	figure	NOUN
easat-5950	147	7	shows	show	VERB
easat-5950	147	8	the	the	DET
easat-5950	147	9	amount	amount	NOUN
easat-5950	147	10	of	of	ADP
easat-5950	147	11	variance	variance	NOUN
easat-5950	147	12	in	in	ADP
easat-5950	147	13	the	the	DET
easat-5950	147	14	dependent	dependent	ADJ
easat-5950	147	15	variable	variable	NOUN
easat-5950	147	16	that	that	PRON
easat-5950	147	17	the	the	DET
easat-5950	147	18	model	model	NOUN
easat-5950	147	19	(	(	PUNCT
easat-5950	147	20	error	error	NOUN
easat-5950	147	21	)	)	PUNCT
easat-5950	147	22	can	can	AUX
easat-5950	147	23	not	not	PART
easat-5950	147	24	account	account	VERB
easat-5950	147	25	for	for	ADP
easat-5950	147	26	.	.	PUNCT
easat-5950	148	1	the	the	DET
easat-5950	148	2	model	model	NOUN
easat-5950	148	3	is	be	AUX
easat-5950	148	4	reported	report	VERB
easat-5950	148	5	to	to	PART
easat-5950	148	6	fit	fit	VERB
easat-5950	148	7	the	the	DET
easat-5950	148	8	data	datum	NOUN
easat-5950	148	9	well	well	INTJ
easat-5950	148	10	if	if	SCONJ
easat-5950	148	11	the	the	DET
easat-5950	148	12	value	value	NOUN
easat-5950	148	13	is	be	AUX
easat-5950	148	14	low	low	ADJ
easat-5950	148	15	.	.	PUNCT
easat-5950	149	1	total	total	NOUN
easat-5950	149	2	=	=	SYM
easat-5950	150	1	34.560	34.560	NUM
easat-5950	150	2	:	:	PUNCT
easat-5950	150	3	this	this	PRON
easat-5950	150	4	indicates	indicate	VERB
easat-5950	150	5	the	the	DET
easat-5950	150	6	overall	overall	ADJ
easat-5950	150	7	variance	variance	NOUN
easat-5950	150	8	in	in	ADP
easat-5950	150	9	the	the	DET
easat-5950	150	10	dependent	dependent	ADJ
easat-5950	150	11	variable	variable	NOUN
easat-5950	150	12	and	and	CCONJ
easat-5950	150	13	is	be	AUX
easat-5950	150	14	the	the	DET
easat-5950	150	15	sum	sum	NOUN
easat-5950	150	16	of	of	ADP
easat-5950	150	17	the	the	DET
easat-5950	150	18	regression	regression	NOUN
easat-5950	150	19	sums	sum	NOUN
easat-5950	150	20	of	of	ADP
easat-5950	150	21	squares	square	NOUN
easat-5950	150	22	and	and	CCONJ
easat-5950	150	23	residuals	residual	NOUN
easat-5950	150	24	.	.	PUNCT
easat-5950	151	1	degrees	degree	NOUN
easat-5950	151	2	of	of	ADP
easat-5950	151	3	freedom	freedom	NOUN
easat-5950	151	4	,	,	PUNCT
easat-5950	151	5	or	or	CCONJ
easat-5950	151	6	df	df	PROPN
easat-5950	151	7	:	:	PUNCT
easat-5950	151	8	regression	regression	NOUN
easat-5950	151	9	=	=	NOUN
easat-5950	151	10	4	4	NUM
easat-5950	151	11	:	:	PUNCT
easat-5950	151	12	this	this	PRON
easat-5950	151	13	is	be	AUX
easat-5950	151	14	the	the	DET
easat-5950	151	15	model	model	NOUN
easat-5950	151	16	's	's	PART
easat-5950	151	17	predictor	predictor	NOUN
easat-5950	151	18	variable	variable	ADJ
easat-5950	151	19	count	count	NOUN
easat-5950	151	20	(	(	PUNCT
easat-5950	151	21	4	4	NUM
easat-5950	151	22	variables	variable	NOUN
easat-5950	151	23	plus	plus	CCONJ
easat-5950	151	24	1	1	NUM
easat-5950	151	25	constant	constant	ADJ
easat-5950	151	26	)	)	PUNCT
easat-5950	151	27	.	.	PUNCT
easat-5950	152	1	residual	residual	ADJ
easat-5950	152	2	=	=	SYM
easat-5950	152	3	145	145	NUM
easat-5950	152	4	:	:	PUNCT
easat-5950	152	5	this	this	PRON
easat-5950	152	6	is	be	AUX
easat-5950	152	7	the	the	DET
easat-5950	152	8	number	number	NOUN
easat-5950	152	9	of	of	ADP
easat-5950	152	10	observations	observation	NOUN
easat-5950	152	11	minus	minus	ADP
easat-5950	152	12	the	the	DET
easat-5950	152	13	number	number	NOUN
easat-5950	152	14	of	of	ADP
easat-5950	152	15	model	model	NOUN
easat-5950	152	16	parameters	parameter	NOUN
easat-5950	152	17	(	(	PUNCT
easat-5950	152	18	n	n	X
easat-5950	152	19	k	k	NOUN
easat-5950	152	20	)	)	PUNCT
easat-5950	152	21	.	.	PUNCT
easat-5950	153	1	total	total	NOUN
easat-5950	153	2	=	=	NOUN
easat-5950	153	3	149	149	NUM
easat-5950	153	4	:	:	PUNCT
easat-5950	153	5	this	this	PRON
easat-5950	153	6	is	be	AUX
easat-5950	153	7	the	the	DET
easat-5950	153	8	sum	sum	NOUN
easat-5950	153	9	of	of	ADP
easat-5950	153	10	all	all	DET
easat-5950	153	11	observations	observation	NOUN
easat-5950	153	12	minus	minus	CCONJ
easat-5950	153	13	1	1	NUM
easat-5950	153	14	(	(	PUNCT
easat-5950	153	15	n	n	NOUN
easat-5950	153	16	1	1	NUM
easat-5950	153	17	)	)	PUNCT
easat-5950	153	18	.	.	PUNCT
easat-5950	154	1	mean	mean	PROPN
easat-5950	154	2	square	square	NOUN
easat-5950	154	3	:	:	PUNCT
easat-5950	154	4	the	the	DET
easat-5950	154	5	total	total	NOUN
easat-5950	154	6	of	of	ADP
easat-5950	154	7	squares	square	NOUN
easat-5950	154	8	divided	divide	VERB
easat-5950	154	9	by	by	ADP
easat-5950	154	10	the	the	DET
easat-5950	154	11	degrees	degree	NOUN
easat-5950	154	12	of	of	ADP
easat-5950	154	13	freedom	freedom	NOUN
easat-5950	154	14	.	.	PUNCT
easat-5950	155	1	the	the	DET
easat-5950	155	2	regression	regression	NOUN
easat-5950	155	3	's	's	PART
easat-5950	155	4	mean	mean	ADJ
easat-5950	155	5	square	square	ADJ
easat-5950	155	6	value	value	NOUN
easat-5950	155	7	is	be	AUX
easat-5950	155	8	8.637	8.637	NUM
easat-5950	155	9	.	.	PUNCT
easat-5950	156	1	residual	residual	ADJ
easat-5950	156	2	=	=	SYM
easat-5950	156	3	0.000	0.000	NUM
easat-5950	156	4	is	be	AUX
easat-5950	156	5	the	the	DET
easat-5950	156	6	mean	mean	ADJ
easat-5950	156	7	square	square	NOUN
easat-5950	156	8	of	of	ADP
easat-5950	156	9	the	the	DET
easat-5950	156	10	residuals	residual	NOUN
easat-5950	156	11	.	.	PUNCT
easat-5950	157	1	the	the	DET
easat-5950	157	2	f	f	PROPN
easat-5950	157	3	statistic	statistic	PROPN
easat-5950	157	4	,	,	PUNCT
easat-5950	157	5	f	f	PROPN
easat-5950	157	6	=	=	SYM
easat-5950	157	7	92521.080	92521.080	PROPN
easat-5950	157	8	(	(	PUNCT
easat-5950	157	9	p	p	X
easat-5950	157	10	<	<	X
easat-5950	157	11	.001	.001	NUM
easat-5950	157	12	)	)	PUNCT
easat-5950	157	13	,	,	PUNCT
easat-5950	157	14	is	be	AUX
easat-5950	157	15	used	use	VERB
easat-5950	157	16	to	to	PART
easat-5950	157	17	test	test	VERB
easat-5950	157	18	the	the	DET
easat-5950	157	19	model	model	NOUN
easat-5950	157	20	's	's	PART
easat-5950	157	21	significance	significance	NOUN
easat-5950	157	22	by	by	ADP
easat-5950	157	23	comparing	compare	VERB
easat-5950	157	24	it	it	PRON
easat-5950	157	25	to	to	ADP
easat-5950	157	26	the	the	DET
easat-5950	157	27	f	f	PROPN
easat-5950	157	28	distribution	distribution	NOUN
easat-5950	157	29	.	.	PUNCT
easat-5950	158	1	a	a	DET
easat-5950	158	2	very	very	ADV
easat-5950	158	3	high	high	ADJ
easat-5950	158	4	f	f	NOUN
easat-5950	158	5	value	value	NOUN
easat-5950	158	6	,	,	PUNCT
easat-5950	158	7	combined	combine	VERB
easat-5950	158	8	with	with	ADP
easat-5950	158	9	a	a	DET
easat-5950	158	10	very	very	ADV
easat-5950	158	11	small	small	ADJ
easat-5950	158	12	p	p	NOUN
easat-5950	158	13	value	value	NOUN
easat-5950	158	14	(	(	PUNCT
easat-5950	158	15	.000	.000	NUM
easat-5950	158	16	)	)	PUNCT
easat-5950	158	17	,	,	PUNCT
easat-5950	158	18	implies	imply	VERB
easat-5950	158	19	that	that	SCONJ
easat-5950	158	20	the	the	DET
easat-5950	158	21	regression	regression	NOUN
easat-5950	158	22	model	model	NOUN
easat-5950	158	23	is	be	AUX
easat-5950	158	24	statistically	statistically	ADV
easat-5950	158	25	significant	significant	ADJ
easat-5950	158	26	.	.	PUNCT
easat-5950	159	1	this	this	PRON
easat-5950	159	2	indicates	indicate	VERB
easat-5950	159	3	that	that	SCONJ
easat-5950	159	4	at	at	ADV
easat-5950	159	5	least	least	ADV
easat-5950	159	6	one	one	NUM
easat-5950	159	7	predictor	predictor	NOUN
easat-5950	159	8	variable	variable	NOUN
easat-5950	159	9	has	have	VERB
easat-5950	159	10	a	a	DET
easat-5950	159	11	statistically	statistically	ADV
easat-5950	159	12	significant	significant	ADJ
easat-5950	159	13	effect	effect	NOUN
easat-5950	159	14	on	on	ADP
easat-5950	159	15	the	the	DET
easat-5950	159	16	dependent	dependent	ADJ
easat-5950	159	17	variable	variable	NOUN
easat-5950	159	18	.	.	PUNCT
easat-5950	160	1	significance	significance	NOUN
easat-5950	160	2	(	(	PUNCT
easat-5950	160	3	p	p	NOUN
easat-5950	160	4	-	-	PUNCT
easat-5950	160	5	value	value	NOUN
easat-5950	160	6	)	)	PUNCT
easat-5950	160	7	=	=	NOUN
easat-5950	160	8	.000	.000	NUM
easat-5950	160	9	:	:	PUNCT
easat-5950	160	10	the	the	DET
easat-5950	160	11	p	p	NOUN
easat-5950	160	12	-	-	PUNCT
easat-5950	160	13	value	value	NOUN
easat-5950	160	14	is	be	AUX
easat-5950	160	15	very	very	ADV
easat-5950	160	16	low	low	ADJ
easat-5950	160	17	,	,	PUNCT
easat-5950	160	18	indicating	indicate	VERB
easat-5950	160	19	that	that	SCONJ
easat-5950	160	20	the	the	DET
easat-5950	160	21	results	result	NOUN
easat-5950	160	22	are	be	AUX
easat-5950	160	23	unlikely	unlikely	ADJ
easat-5950	160	24	to	to	PART
easat-5950	160	25	be	be	AUX
easat-5950	160	26	attributable	attributable	ADJ
easat-5950	160	27	to	to	ADP
easat-5950	160	28	chance	chance	NOUN
easat-5950	160	29	.	.	PUNCT
easat-5950	161	1	this	this	PRON
easat-5950	161	2	confirms	confirm	VERB
easat-5950	161	3	the	the	DET
easat-5950	161	4	model	model	NOUN
easat-5950	161	5	's	's	PART
easat-5950	161	6	importance	importance	NOUN
easat-5950	161	7	.	.	PUNCT
easat-5950	162	1	anova	anova	PROPN
easat-5950	162	2	reveals	reveal	VERB
easat-5950	162	3	that	that	SCONJ
easat-5950	162	4	the	the	DET
easat-5950	162	5	regression	regression	NOUN
easat-5950	162	6	model	model	NOUN
easat-5950	162	7	explains	explain	VERB
easat-5950	162	8	a	a	DET
easat-5950	162	9	considerable	considerable	ADJ
easat-5950	162	10	portion	portion	NOUN
easat-5950	162	11	of	of	ADP
easat-5950	162	12	the	the	DET
easat-5950	162	13	variation	variation	NOUN
easat-5950	162	14	in	in	ADP
easat-5950	162	15	the	the	DET
easat-5950	162	16	data	datum	NOUN
easat-5950	162	17	(	(	PUNCT
easat-5950	162	18	q3	q3	PROPN
easat-5950	162	19	)	)	PUNCT
easat-5950	162	20	,	,	PUNCT
easat-5950	162	21	and	and	CCONJ
easat-5950	162	22	it	it	PRON
easat-5950	162	23	is	be	AUX
easat-5950	162	24	statistically	statistically	ADV
easat-5950	162	25	highly	highly	ADV
easat-5950	162	26	significant	significant	ADJ
easat-5950	162	27	.	.	PUNCT
easat-5950	163	1	the	the	DET
easat-5950	163	2	high	high	ADJ
easat-5950	163	3	ratio	ratio	NOUN
easat-5950	163	4	of	of	ADP
easat-5950	163	5	the	the	DET
easat-5950	163	6	regression	regression	NOUN
easat-5950	163	7	sum	sum	NOUN
easat-5950	163	8	of	of	ADP
easat-5950	163	9	squares	square	NOUN
easat-5950	163	10	to	to	ADP
easat-5950	163	11	the	the	DET
easat-5950	163	12	residual	residual	ADJ
easat-5950	163	13	sum	sum	NOUN
easat-5950	163	14	of	of	ADP
easat-5950	163	15	squares	square	NOUN
easat-5950	163	16	indicates	indicate	VERB
easat-5950	163	17	the	the	DET
easat-5950	163	18	model	model	NOUN
easat-5950	163	19	is	be	AUX
easat-5950	163	20	well	well	ADV
easat-5950	163	21	fitted	fit	VERB
easat-5950	163	22	to	to	ADP
easat-5950	163	23	the	the	DET
easat-5950	163	24	data	datum	NOUN
easat-5950	163	25	.	.	PUNCT
easat-5950	164	1	see	see	VERB
easat-5950	164	2	table	table	NOUN
easat-5950	164	3	3	3	NUM
easat-5950	164	4	for	for	ADP
easat-5950	164	5	further	further	ADJ
easat-5950	164	6	details	detail	NOUN
easat-5950	164	7	.	.	PUNCT
easat-5950	165	1	table	table	NOUN
easat-5950	165	2	3	3	NUM
easat-5950	165	3	.	.	PUNCT
easat-5950	166	1	anova	anova	PROPN
easat-5950	166	2	.	.	PUNCT
easat-5950	167	1	anovaa	anovaa	PROPN
easat-5950	167	2	model	model	PROPN
easat-5950	167	3	sum	sum	PROPN
easat-5950	167	4	of	of	ADP
easat-5950	167	5	squares	square	NOUN
easat-5950	167	6	df	df	PROPN
easat-5950	167	7	mean	mean	PROPN
easat-5950	167	8	square	square	PROPN
easat-5950	167	9	f	f	PROPN
easat-5950	167	10	sig	sig	PROPN
easat-5950	167	11	.	.	PROPN
easat-5950	167	12	1	1	NUM
easat-5950	167	13	regression	regression	NOUN
easat-5950	167	14	34.546	34.546	NUM
easat-5950	167	15	4	4	NUM
easat-5950	167	16	8.637	8.637	NUM
easat-5950	167	17	92521.080	92521.080	NUM
easat-5950	167	18	0.000b	0.000b	NOUN
easat-5950	167	19	residual	residual	ADJ
easat-5950	167	20	0.014	0.014	NUM
easat-5950	167	21	145	145	NUM
easat-5950	167	22	0.000	0.000	NUM
easat-5950	167	23	total	total	NOUN
easat-5950	167	24	34.560	34.560	NUM
easat-5950	167	25	149	149	NUM
easat-5950	167	26	note	note	NOUN
easat-5950	167	27	:	:	PUNCT
easat-5950	167	28	a.	a.	NOUN
easat-5950	167	29	dependent	dependent	ADJ
easat-5950	167	30	variable	variable	NOUN
easat-5950	167	31	:	:	PUNCT
easat-5950	167	32	q3	q3	PROPN
easat-5950	167	33	.	.	PUNCT
easat-5950	168	1	job	job	NOUN
easat-5950	168	2	creation	creation	NOUN
easat-5950	168	3	b.	b.	PROPN
easat-5950	168	4	predictors	predictor	NOUN
easat-5950	168	5	:	:	PUNCT
easat-5950	168	6	(	(	PUNCT
easat-5950	168	7	constant	constant	ADJ
easat-5950	168	8	)	)	PUNCT
easat-5950	168	9	,	,	PUNCT
easat-5950	168	10	q3.4	q3.4	NOUN
easat-5950	168	11	:	:	PUNCT
easat-5950	168	12	how	how	SCONJ
easat-5950	168	13	do	do	VERB
easat-5950	168	14	high	high	ADJ
easat-5950	168	15	interest	interest	NOUN
easat-5950	168	16	rates	rate	NOUN
easat-5950	168	17	on	on	ADP
easat-5950	168	18	microloans	microloan	NOUN
easat-5950	168	19	offered	offer	VERB
easat-5950	168	20	by	by	ADP
easat-5950	168	21	mfis	mfis	NOUN
easat-5950	168	22	effect	effect	NOUN
easat-5950	168	23	employment	employment	NOUN
easat-5950	168	24	creation	creation	NOUN
easat-5950	168	25	?	?	PUNCT
easat-5950	169	1	q3.1	q3.1	PROPN
easat-5950	169	2	:	:	PUNCT
easat-5950	169	3	is	be	AUX
easat-5950	169	4	there	there	PRON
easat-5950	169	5	a	a	DET
easat-5950	169	6	link	link	NOUN
easat-5950	169	7	between	between	ADP
easat-5950	169	8	micro	micro	NOUN
easat-5950	169	9	-	-	NOUN
easat-5950	169	10	loans	loan	NOUN
easat-5950	169	11	provided	provide	VERB
easat-5950	169	12	by	by	ADP
easat-5950	169	13	mfis	mfis	NOUN
easat-5950	169	14	and	and	CCONJ
easat-5950	169	15	employment	employment	NOUN
easat-5950	169	16	creation	creation	NOUN
easat-5950	169	17	?	?	PUNCT
easat-5950	170	1	q	q	NOUN
easat-5950	170	2	3.3	3.3	NUM
easat-5950	170	3	:	:	PUNCT
easat-5950	170	4	does	do	AUX
easat-5950	170	5	the	the	DET
easat-5950	170	6	lack	lack	NOUN
easat-5950	170	7	of	of	ADP
easat-5950	170	8	coordination	coordination	NOUN
easat-5950	170	9	between	between	ADP
easat-5950	170	10	government	government	NOUN
easat-5950	170	11	agencies	agency	NOUN
easat-5950	170	12	hinder	hinder	VERB
easat-5950	170	13	the	the	DET
easat-5950	170	14	efficacy	efficacy	NOUN
easat-5950	170	15	of	of	ADP
easat-5950	170	16	mfi	mfi	PROPN
easat-5950	170	17	initiatives	initiative	NOUN
easat-5950	170	18	in	in	ADP
easat-5950	170	19	employment	employment	NOUN
easat-5950	170	20	creation	creation	NOUN
easat-5950	170	21	?	?	PUNCT
easat-5950	171	1	q	q	NOUN
easat-5950	172	1	3.2	3.2	NUM
easat-5950	172	2	:	:	PUNCT
easat-5950	172	3	is	be	AUX
easat-5950	172	4	there	there	PRON
easat-5950	172	5	a	a	DET
easat-5950	172	6	link	link	NOUN
easat-5950	172	7	between	between	ADP
easat-5950	172	8	mfis	mfis	NOUN
easat-5950	172	9	providing	provide	VERB
easat-5950	172	10	consultancy	consultancy	NOUN
easat-5950	172	11	services	service	NOUN
easat-5950	172	12	and	and	CCONJ
easat-5950	172	13	increased	increase	VERB
easat-5950	172	14	employment	employment	NOUN
easat-5950	172	15	?	?	PUNCT
easat-5950	173	1	for	for	ADP
easat-5950	173	2	the	the	DET
easat-5950	173	3	normal	normal	ADJ
easat-5950	173	4	distribution	distribution	NOUN
easat-5950	173	5	of	of	ADP
easat-5950	173	6	variables	variable	NOUN
easat-5950	173	7	,	,	PUNCT
easat-5950	173	8	the	the	DET
easat-5950	173	9	range	range	NOUN
easat-5950	173	10	of	of	ADP
easat-5950	173	11	variables	variable	NOUN
easat-5950	173	12	should	should	AUX
easat-5950	173	13	not	not	PART
easat-5950	173	14	deviate	deviate	VERB
easat-5950	173	15	significantly	significantly	ADV
easat-5950	173	16	from	from	ADP
easat-5950	173	17	zero	zero	NUM
easat-5950	173	18	[	[	X
easat-5950	173	19	33	33	NUM
easat-5950	173	20	]	]	PUNCT
easat-5950	173	21	.	.	PUNCT
easat-5950	174	1	according	accord	VERB
easat-5950	174	2	to	to	ADP
easat-5950	174	3	wright	wright	PROPN
easat-5950	174	4	and	and	CCONJ
easat-5950	174	5	herrington	herrington	PROPN
easat-5950	174	6	[	[	X
easat-5950	174	7	34	34	NUM
easat-5950	174	8	]	]	PUNCT
easat-5950	174	9	,	,	PUNCT
easat-5950	174	10	distortion	distortion	NOUN
easat-5950	174	11	values	value	NOUN
easat-5950	174	12	ranging	range	VERB
easat-5950	174	13	from	from	ADP
easat-5950	174	14	-1	-1	PUNCT
easat-5950	174	15	to	to	ADP
easat-5950	174	16	+1	+1	PROPN
easat-5950	174	17	should	should	AUX
easat-5950	174	18	be	be	AUX
easat-5950	174	19	statistically	statistically	ADV
easat-5950	174	20	acceptable	acceptable	ADJ
easat-5950	174	21	.	.	PUNCT
easat-5950	175	1	based	base	VERB
easat-5950	175	2	on	on	ADP
easat-5950	175	3	the	the	DET
easat-5950	175	4	descriptive	descriptive	ADJ
easat-5950	175	5	analysis	analysis	NOUN
easat-5950	175	6	results	result	NOUN
easat-5950	175	7	,	,	PUNCT
easat-5950	175	8	which	which	PRON
easat-5950	175	9	showed	show	VERB
easat-5950	175	10	that	that	SCONJ
easat-5950	175	11	the	the	DET
easat-5950	175	12	variables	variable	NOUN
easat-5950	175	13	'	'	PART
easat-5950	175	14	bias	bias	NOUN
easat-5950	175	15	values	value	NOUN
easat-5950	175	16	were	be	AUX
easat-5950	175	17	between	between	ADP
easat-5950	175	18	+1	+1	PROPN
easat-5950	175	19	and	and	CCONJ
easat-5950	175	20	-1	-1	ADV
easat-5950	175	21	,	,	PUNCT
easat-5950	175	22	we	we	PRON
easat-5950	175	23	can	can	AUX
easat-5950	175	24	conclude	conclude	VERB
easat-5950	175	25	that	that	SCONJ
easat-5950	175	26	the	the	DET
easat-5950	175	27	variables	variable	NOUN
easat-5950	175	28	are	be	AUX
easat-5950	175	29	within	within	ADP
easat-5950	175	30	statistically	statistically	ADV
easat-5950	175	31	accepted	accept	VERB
easat-5950	175	32	descriptive	descriptive	ADJ
easat-5950	175	33	statistics	statistic	NOUN
easat-5950	175	34	n	n	PRON
easat-5950	176	1	minimum	minimum	ADJ
easat-5950	176	2	maximum	maximum	ADJ
easat-5950	176	3	mean	mean	ADJ
easat-5950	176	4	std	std	NOUN
easat-5950	176	5	.	.	PUNCT
easat-5950	177	1	deviation	deviation	NOUN
easat-5950	177	2	skewness	skewness	NOUN
easat-5950	177	3	kurtosis	kurtosis	VERB
easat-5950	177	4	statistic	statistic	ADJ
easat-5950	177	5	statistic	statistic	PROPN
easat-5950	177	6	statistic	statistic	PROPN
easat-5950	177	7	statistic	statistic	PROPN
easat-5950	177	8	statistic	statistic	NOUN
easat-5950	177	9	statistic	statistic	NOUN
easat-5950	177	10	std	std	NOUN
easat-5950	177	11	.	.	NOUN
easat-5950	177	12	error	error	NOUN
easat-5950	177	13	statistic	statistic	NOUN
easat-5950	177	14	std	std	NOUN
easat-5950	177	15	.	.	NOUN
easat-5950	178	1	error	error	NOUN
easat-5950	178	2	jcamfi	jcamfi	NOUN
easat-5950	178	3	150	150	NUM
easat-5950	178	4	1	1	NUM
easat-5950	178	5	2	2	NUM
easat-5950	178	6	1.64	1.64	NUM
easat-5950	178	7	.482	.482	NUM
easat-5950	178	8	-.589	-.589	PROPN
easat-5950	178	9	.198	.198	NUM
easat-5950	178	10	-1.675	-1.675	NUM
easat-5950	178	11	0.392	0.392	NUM
easat-5950	178	12	emlmfijc	emlmfijc	ADJ
easat-5950	178	13	150	150	NUM
easat-5950	178	14	0	0	NUM
easat-5950	178	15	1	1	NUM
easat-5950	178	16	0.14	0.14	NUM
easat-5950	178	17	.348	.348	NUM
easat-5950	178	18	2.096	2.096	NUM
easat-5950	178	19	.198	.198	NUM
easat-5950	178	20	2.425	2.425	NUM
easat-5950	178	21	0.392	0.392	NUM
easat-5950	178	22	lcsmfie	lcsmfie	ADJ
easat-5950	178	23	150	150	NUM
easat-5950	178	24	0	0	NUM
easat-5950	178	25	9	9	NUM
easat-5950	178	26	3.31	3.31	NUM
easat-5950	178	27	4.291	4.291	NUM
easat-5950	178	28	.580	.580	NUM
easat-5950	178	29	.198	.198	NUM
easat-5950	178	30	-1.675	-1.675	NUM
easat-5950	178	31	0.392	0.392	NUM
easat-5950	178	32	icgamfipjc	icgamfipjc	ADJ
easat-5950	178	33	150	150	NUM
easat-5950	178	34	0	0	NUM
easat-5950	178	35	9	9	NUM
easat-5950	178	36	3.63	3.63	NUM
easat-5950	178	37	4.063	4.063	NUM
easat-5950	178	38	0.559	0.559	NUM
easat-5950	178	39	.198	.198	NUM
easat-5950	178	40	-1.667	-1.667	NOUN
easat-5950	178	41	0.392	0.392	NUM
easat-5950	178	42	ihrmmfijc	ihrmmfijc	NOUN
easat-5950	178	43	150	150	NUM
easat-5950	178	44	0	0	NUM
easat-5950	178	45	9	9	NUM
easat-5950	178	46	3.25	3.25	NUM
easat-5950	178	47	4.326	4.326	NUM
easat-5950	178	48	0.587	0.587	NUM
easat-5950	178	49	.198	.198	NUM
easat-5950	178	50	-1.675	-1.675	PUNCT
easat-5950	178	51	0.392	0.392	NUM
easat-5950	178	52	valid	valid	ADJ
easat-5950	178	53	n	n	CCONJ
easat-5950	178	54	(	(	PUNCT
easat-5950	178	55	listwise	listwise	PROPN
easat-5950	178	56	)	)	PUNCT
easat-5950	178	57	150	150	NUM
easat-5950	178	58	152	152	NUM
easat-5950	178	59	edelweiss	edelweiss	PROPN
easat-5950	178	60	applied	apply	VERB
easat-5950	178	61	science	science	NOUN
easat-5950	178	62	and	and	CCONJ
easat-5950	178	63	technology	technology	NOUN
easat-5950	178	64	issn	issn	PROPN
easat-5950	178	65	:	:	PUNCT
easat-5950	178	66	2576	2576	NUM
easat-5950	178	67	-	-	SYM
easat-5950	178	68	8484	8484	NUM
easat-5950	178	69	vol	vol	NOUN
easat-5950	178	70	.	.	PROPN
easat-5950	179	1	9	9	NUM
easat-5950	179	2	,	,	PUNCT
easat-5950	179	3	no	no	INTJ
easat-5950	179	4	.	.	NOUN
easat-5950	180	1	4	4	NUM
easat-5950	180	2	:	:	SYM
easat-5950	180	3	146	146	NUM
easat-5950	180	4	-	-	SYM
easat-5950	180	5	156	156	NUM
easat-5950	180	6	,	,	PUNCT
easat-5950	180	7	2025	2025	NUM
easat-5950	180	8	doi	doi	NOUN
easat-5950	180	9	:	:	PUNCT
easat-5950	180	10	10.55214/25768484.v9i4.5950	10.55214/25768484.v9i4.5950	NUM
easat-5950	180	11	©	©	PROPN
easat-5950	180	12	2025	2025	NUM
easat-5950	180	13	by	by	ADP
easat-5950	180	14	the	the	DET
easat-5950	180	15	authors	author	NOUN
easat-5950	180	16	;	;	PUNCT
easat-5950	180	17	licensee	licensee	PROPN
easat-5950	180	18	learning	learn	VERB
easat-5950	180	19	gate	gate	NOUN
easat-5950	180	20	parameters	parameter	NOUN
easat-5950	180	21	and	and	CCONJ
easat-5950	180	22	their	their	PRON
easat-5950	180	23	distribution	distribution	NOUN
easat-5950	180	24	is	be	AUX
easat-5950	180	25	within	within	ADP
easat-5950	180	26	normal	normal	ADJ
easat-5950	180	27	limits	limit	NOUN
easat-5950	180	28	.	.	PUNCT
easat-5950	181	1	the	the	DET
easat-5950	181	2	standardized	standardized	ADJ
easat-5950	181	3	coefficients	coefficient	NOUN
easat-5950	181	4	for	for	ADP
easat-5950	181	5	all	all	DET
easat-5950	181	6	variables	variable	NOUN
easat-5950	181	7	in	in	ADP
easat-5950	181	8	the	the	DET
easat-5950	181	9	preceding	precede	VERB
easat-5950	181	10	results	result	NOUN
easat-5950	181	11	indicate	indicate	VERB
easat-5950	181	12	that	that	SCONJ
easat-5950	181	13	the	the	DET
easat-5950	181	14	data	datum	NOUN
easat-5950	181	15	fit	fit	VERB
easat-5950	181	16	normal	normal	ADJ
easat-5950	181	17	parameters	parameter	NOUN
easat-5950	181	18	and	and	CCONJ
easat-5950	181	19	are	be	AUX
easat-5950	181	20	statistically	statistically	ADV
easat-5950	181	21	acceptable	acceptable	ADJ
easat-5950	181	22	.	.	PUNCT
easat-5950	182	1	the	the	DET
easat-5950	182	2	level	level	NOUN
easat-5950	182	3	of	of	ADP
easat-5950	182	4	significance	significance	NOUN
easat-5950	182	5	of	of	ADP
easat-5950	182	6	the	the	DET
easat-5950	182	7	correlation	correlation	NOUN
easat-5950	182	8	coefficient	coefficient	NOUN
easat-5950	182	9	(	(	PUNCT
easat-5950	182	10	rho	rho	ADJ
easat-5950	182	11	)	)	PUNCT
easat-5950	182	12	in	in	ADP
easat-5950	182	13	correlation	correlation	NOUN
easat-5950	182	14	analysis	analysis	NOUN
easat-5950	182	15	can	can	AUX
easat-5950	182	16	be	be	AUX
easat-5950	182	17	influenced	influence	VERB
easat-5950	182	18	by	by	ADP
easat-5950	182	19	sample	sample	NOUN
easat-5950	182	20	size	size	NOUN
easat-5950	182	21	.	.	PUNCT
easat-5950	183	1	after	after	ADP
easat-5950	183	2	developing	develop	VERB
easat-5950	183	3	hypotheses	hypothesis	NOUN
easat-5950	183	4	,	,	PUNCT
easat-5950	183	5	we	we	PRON
easat-5950	183	6	tested	test	VERB
easat-5950	183	7	them	they	PRON
easat-5950	183	8	to	to	PART
easat-5950	183	9	see	see	VERB
easat-5950	183	10	if	if	SCONJ
easat-5950	183	11	there	there	PRON
easat-5950	183	12	is	be	VERB
easat-5950	183	13	a	a	DET
easat-5950	183	14	relationship	relationship	NOUN
easat-5950	183	15	between	between	ADP
easat-5950	183	16	the	the	DET
easat-5950	183	17	dependent	dependent	ADJ
easat-5950	183	18	variable	variable	ADJ
easat-5950	183	19	y	y	PROPN
easat-5950	183	20	,	,	PUNCT
easat-5950	183	21	in	in	ADP
easat-5950	183	22	this	this	DET
easat-5950	183	23	case	case	NOUN
easat-5950	183	24	tourism	tourism	NOUN
easat-5950	183	25	development	development	NOUN
easat-5950	183	26	,	,	PUNCT
easat-5950	183	27	and	and	CCONJ
easat-5950	183	28	the	the	DET
easat-5950	183	29	independent	independent	ADJ
easat-5950	183	30	variables	variable	NOUN
easat-5950	183	31	x1	x1	PROPN
easat-5950	183	32	,	,	PUNCT
easat-5950	183	33	x2	x2	PROPN
easat-5950	183	34	,	,	PUNCT
easat-5950	183	35	x3	x3	ADJ
easat-5950	183	36	,	,	PUNCT
easat-5950	183	37	and	and	CCONJ
easat-5950	183	38	x4	x4	PROPN
easat-5950	183	39	,	,	PUNCT
easat-5950	183	40	and	and	CCONJ
easat-5950	183	41	the	the	DET
easat-5950	183	42	coefficients	coefficient	NOUN
easat-5950	183	43	of	of	ADP
easat-5950	183	44	correlation	correlation	NOUN
easat-5950	183	45	between	between	ADP
easat-5950	183	46	variables	variable	NOUN
easat-5950	183	47	were	be	AUX
easat-5950	183	48	provided	provide	VERB
easat-5950	183	49	in	in	ADP
easat-5950	183	50	table	table	NOUN
easat-5950	183	51	4	4	NUM
easat-5950	183	52	.	.	PUNCT
easat-5950	183	53	table	table	NOUN
easat-5950	183	54	4	4	NUM
easat-5950	183	55	.	.	PUNCT
easat-5950	184	1	regression	regression	NOUN
easat-5950	184	2	coefficients	coefficient	NOUN
easat-5950	184	3	of	of	ADP
easat-5950	184	4	independent	independent	ADJ
easat-5950	184	5	variables	variable	NOUN
easat-5950	184	6	.	.	PUNCT
easat-5950	185	1	coefficientsa	coefficientsa	NOUN
easat-5950	185	2	model	model	VERB
easat-5950	185	3	unstandardized	unstandardized	ADJ
easat-5950	185	4	coefficients	coefficient	NOUN
easat-5950	185	5	standardized	standardize	VERB
easat-5950	185	6	coefficients	coefficient	NOUN
easat-5950	185	7	t	t	PROPN
easat-5950	185	8	sig	sig	PROPN
easat-5950	185	9	.	.	PUNCT
easat-5950	186	1	b	b	X
easat-5950	186	2	std	std	PROPN
easat-5950	186	3	.	.	NOUN
easat-5950	186	4	error	error	NOUN
easat-5950	186	5	beta	beta	NOUN
easat-5950	186	6	1	1	NUM
easat-5950	186	7	(	(	PUNCT
easat-5950	186	8	constant	constant	ADJ
easat-5950	186	9	)	)	PUNCT
easat-5950	186	10	2.012	2.012	NUM
easat-5950	186	11	0.002	0.002	NUM
easat-5950	186	12	1289.110	1289.110	NUM
easat-5950	186	13	0.000	0.000	NUM
easat-5950	186	14	emlmfijc	emlmfijc	ADJ
easat-5950	186	15	0.004	0.004	NUM
easat-5950	186	16	0.002	0.002	NUM
easat-5950	186	17	0.003	0.003	NUM
easat-5950	186	18	1.882	1.882	NUM
easat-5950	186	19	0.042	0.042	NUM
easat-5950	186	20	lcsmfie	lcsmfie	ADJ
easat-5950	186	21	-0.023	-0.023	PUNCT
easat-5950	186	22	0.003	0.003	NUM
easat-5950	186	23	-0.204	-0.204	SYM
easat-5950	186	24	-7.883	-7.883	NOUN
easat-5950	186	25	0.000	0.000	NUM
easat-5950	186	26	icgamfipjc	icgamfipjc	ADJ
easat-5950	186	27	-0.015	-0.015	NUM
easat-5950	186	28	0.002	0.002	NUM
easat-5950	186	29	-0.123	-0.123	NOUN
easat-5950	186	30	-7.741	-7.741	NUM
easat-5950	187	1	0.000	0.000	NUM
easat-5950	187	2	ihrmmfijc	ihrmmfijc	INTJ
easat-5950	187	3	-0.075	-0.075	NUM
easat-5950	187	4	0.004	0.004	NUM
easat-5950	187	5	-0.673	-0.673	PUNCT
easat-5950	187	6	-21.317	-21.317	ADP
easat-5950	187	7	0.000	0.000	NUM
easat-5950	187	8	note	note	NOUN
easat-5950	187	9	:	:	PUNCT
easat-5950	187	10	a.	a.	NOUN
easat-5950	187	11	dependent	dependent	ADJ
easat-5950	187	12	variable	variable	NOUN
easat-5950	187	13	:	:	PUNCT
easat-5950	187	14	jcamfi	jcamfi	PROPN
easat-5950	187	15	.	.	PUNCT
easat-5950	188	1	the	the	DET
easat-5950	188	2	coefficient	coefficient	NOUN
easat-5950	188	3	table	table	NOUN
easat-5950	188	4	displays	display	VERB
easat-5950	188	5	the	the	DET
easat-5950	188	6	results	result	NOUN
easat-5950	188	7	of	of	ADP
easat-5950	188	8	a	a	DET
easat-5950	188	9	logistic	logistic	ADJ
easat-5950	188	10	regression	regression	NOUN
easat-5950	188	11	model	model	NOUN
easat-5950	188	12	in	in	ADP
easat-5950	188	13	which	which	PRON
easat-5950	188	14	the	the	DET
easat-5950	188	15	dependent	dependent	ADJ
easat-5950	188	16	variable	variable	NOUN
easat-5950	188	17	(	(	PUNCT
easat-5950	188	18	q3	q3	PROPN
easat-5950	188	19	)	)	PUNCT
easat-5950	188	20	is	be	AUX
easat-5950	188	21	binary	binary	NOUN
easat-5950	188	22	(	(	PUNCT
easat-5950	188	23	0	0	NUM
easat-5950	188	24	or	or	CCONJ
easat-5950	188	25	1	1	NUM
easat-5950	188	26	)	)	PUNCT
easat-5950	188	27	,	,	PUNCT
easat-5950	188	28	indicating	indicate	VERB
easat-5950	188	29	whether	whether	SCONJ
easat-5950	188	30	an	an	DET
easat-5950	188	31	individual	individual	NOUN
easat-5950	188	32	was	be	AUX
easat-5950	188	33	employed	employ	VERB
easat-5950	188	34	throughout	throughout	ADP
easat-5950	188	35	the	the	DET
easat-5950	188	36	year	year	NOUN
easat-5950	188	37	.	.	PUNCT
easat-5950	189	1	to	to	PART
easat-5950	189	2	determine	determine	VERB
easat-5950	189	3	which	which	DET
easat-5950	189	4	hypothesis	hypothesis	NOUN
easat-5950	189	5	is	be	AUX
easat-5950	189	6	accepted	accept	VERB
easat-5950	189	7	or	or	CCONJ
easat-5950	189	8	rejected	reject	VERB
easat-5950	189	9	,	,	PUNCT
easat-5950	189	10	we	we	PRON
easat-5950	189	11	apply	apply	VERB
easat-5950	189	12	a	a	DET
easat-5950	189	13	sig	sig	NOUN
easat-5950	189	14	value	value	NOUN
easat-5950	189	15	of	of	ADP
easat-5950	189	16	0.05	0.05	NUM
easat-5950	189	17	(	(	PUNCT
easat-5950	189	18	constant	constant	ADJ
easat-5950	189	19	)	)	PUNCT
easat-5950	189	20	=	=	SYM
easat-5950	189	21	2.012	2.012	NUM
easat-5950	189	22	(	(	PUNCT
easat-5950	189	23	p	p	X
easat-5950	189	24	<	<	X
easat-5950	189	25	.001	.001	NUM
easat-5950	189	26	)	)	PUNCT
easat-5950	189	27	.	.	PUNCT
easat-5950	190	1	this	this	PRON
easat-5950	190	2	is	be	AUX
easat-5950	190	3	the	the	DET
easat-5950	190	4	intercept	intercept	NOUN
easat-5950	190	5	term	term	NOUN
easat-5950	190	6	.	.	PUNCT
easat-5950	191	1	it	it	PRON
easat-5950	191	2	denotes	denote	VERB
easat-5950	191	3	the	the	DET
easat-5950	191	4	log	log	NOUN
easat-5950	191	5	-	-	PUNCT
easat-5950	191	6	odds	odd	NOUN
easat-5950	191	7	of	of	ADP
easat-5950	191	8	being	be	AUX
easat-5950	191	9	employed	employ	VERB
easat-5950	191	10	when	when	SCONJ
easat-5950	191	11	all	all	DET
easat-5950	191	12	predictor	predictor	NOUN
easat-5950	191	13	variables	variable	NOUN
easat-5950	191	14	are	be	AUX
easat-5950	191	15	zero	zero	NUM
easat-5950	191	16	.	.	PUNCT
easat-5950	192	1	the	the	DET
easat-5950	192	2	very	very	ADV
easat-5950	192	3	low	low	ADJ
easat-5950	192	4	p	p	NOUN
easat-5950	192	5	-	-	PUNCT
easat-5950	192	6	value	value	NOUN
easat-5950	192	7	implies	imply	VERB
easat-5950	192	8	that	that	SCONJ
easat-5950	192	9	the	the	DET
easat-5950	192	10	term	term	NOUN
easat-5950	192	11	is	be	AUX
easat-5950	192	12	statistically	statistically	ADV
easat-5950	192	13	significant	significant	ADJ
easat-5950	192	14	.	.	PUNCT
easat-5950	193	1	hypothesis	hypothesis	NOUN
easat-5950	193	2	test	test	NOUN
easat-5950	193	3	:	:	PUNCT
easat-5950	193	4	the	the	DET
easat-5950	193	5	linear	linear	ADJ
easat-5950	193	6	regression	regression	NOUN
easat-5950	193	7	result	result	NOUN
easat-5950	193	8	for	for	ADP
easat-5950	193	9	h1	h1	NOUN
easat-5950	193	10	demonstrates	demonstrate	VERB
easat-5950	193	11	that	that	SCONJ
easat-5950	193	12	there	there	PRON
easat-5950	193	13	is	be	VERB
easat-5950	193	14	a	a	DET
easat-5950	193	15	weak	weak	ADJ
easat-5950	193	16	link	link	NOUN
easat-5950	193	17	between	between	ADP
easat-5950	193	18	the	the	DET
easat-5950	193	19	volume	volume	NOUN
easat-5950	193	20	of	of	ADP
easat-5950	193	21	microloans	microloan	NOUN
easat-5950	193	22	granted	grant	VERB
easat-5950	193	23	by	by	ADP
easat-5950	193	24	mfis	mfis	NOUN
easat-5950	193	25	and	and	CCONJ
easat-5950	193	26	job	job	NOUN
easat-5950	193	27	creation	creation	NOUN
easat-5950	193	28	;	;	PUNCT
easat-5950	193	29	0.042	0.042	NUM
easat-5950	193	30	is	be	AUX
easat-5950	193	31	slightly	slightly	ADV
easat-5950	193	32	below	below	ADP
easat-5950	193	33	the	the	DET
easat-5950	193	34	usual	usual	ADJ
easat-5950	193	35	threshold	threshold	NOUN
easat-5950	193	36	of	of	ADP
easat-5950	193	37	significance	significance	NOUN
easat-5950	193	38	(	(	PUNCT
easat-5950	193	39	t	t	NOUN
easat-5950	193	40	=	=	NUM
easat-5950	193	41	1.882	1.882	NUM
easat-5950	193	42	,	,	PUNCT
easat-5950	193	43	β	β	X
easat-5950	193	44	=	=	NOUN
easat-5950	193	45	0.003	0.003	NUM
easat-5950	193	46	,	,	PUNCT
easat-5950	193	47	p	p	X
easat-5950	193	48	=	=	NOUN
easat-5950	193	49	0.042	0.042	NUM
easat-5950	193	50	)	)	PUNCT
easat-5950	193	51	.	.	PUNCT
easat-5950	194	1	this	this	PRON
easat-5950	194	2	indicates	indicate	VERB
easat-5950	194	3	a	a	DET
easat-5950	194	4	minor	minor	ADJ
easat-5950	194	5	increase	increase	NOUN
easat-5950	194	6	in	in	ADP
easat-5950	194	7	job	job	NOUN
easat-5950	194	8	creation	creation	NOUN
easat-5950	194	9	,	,	PUNCT
easat-5950	194	10	as	as	SCONJ
easat-5950	194	11	a	a	DET
easat-5950	194	12	one	one	NUM
easat-5950	194	13	-	-	PUNCT
easat-5950	194	14	unit	unit	NOUN
easat-5950	194	15	increase	increase	NOUN
easat-5950	194	16	in	in	ADP
easat-5950	194	17	this	this	DET
easat-5950	194	18	variable	variable	NOUN
easat-5950	194	19	corresponds	correspond	VERB
easat-5950	194	20	to	to	ADP
easat-5950	194	21	a	a	DET
easat-5950	194	22	0.003	0.003	NUM
easat-5950	194	23	-	-	PUNCT
easat-5950	194	24	unit	unit	NOUN
easat-5950	194	25	increase	increase	NOUN
easat-5950	194	26	in	in	ADP
easat-5950	194	27	employment	employment	NOUN
easat-5950	194	28	.	.	PUNCT
easat-5950	195	1	the	the	DET
easat-5950	195	2	p	p	NOUN
easat-5950	195	3	-	-	PUNCT
easat-5950	195	4	value	value	NOUN
easat-5950	195	5	of	of	ADP
easat-5950	195	6	0.042	0.042	NUM
easat-5950	195	7	is	be	AUX
easat-5950	195	8	slightly	slightly	ADV
easat-5950	195	9	lower	low	ADJ
easat-5950	195	10	than	than	ADP
easat-5950	195	11	the	the	DET
easat-5950	195	12	expected	expect	VERB
easat-5950	195	13	level	level	NOUN
easat-5950	195	14	but	but	CCONJ
easat-5950	195	15	considerably	considerably	ADV
easat-5950	195	16	less	less	ADJ
easat-5950	195	17	than	than	ADP
easat-5950	195	18	the	the	DET
easat-5950	195	19	0.05	0.05	NUM
easat-5950	195	20	level	level	NOUN
easat-5950	195	21	.	.	PUNCT
easat-5950	196	1	based	base	VERB
easat-5950	196	2	on	on	ADP
easat-5950	196	3	this	this	PRON
easat-5950	196	4	,	,	PUNCT
easat-5950	196	5	we	we	PRON
easat-5950	196	6	may	may	AUX
easat-5950	196	7	conclude	conclude	VERB
easat-5950	196	8	that	that	SCONJ
easat-5950	196	9	in	in	ADP
easat-5950	196	10	h1	h1	PROPN
easat-5950	196	11	,	,	PUNCT
easat-5950	196	12	there	there	PRON
easat-5950	196	13	is	be	VERB
easat-5950	196	14	a	a	DET
easat-5950	196	15	weak	weak	ADJ
easat-5950	196	16	association	association	NOUN
easat-5950	196	17	between	between	ADP
easat-5950	196	18	the	the	DET
easat-5950	196	19	amount	amount	NOUN
easat-5950	196	20	of	of	ADP
easat-5950	196	21	microloans	microloan	NOUN
easat-5950	196	22	granted	grant	VERB
easat-5950	196	23	by	by	ADP
easat-5950	196	24	the	the	DET
easat-5950	196	25	mfi	mfi	PROPN
easat-5950	196	26	and	and	CCONJ
easat-5950	196	27	the	the	DET
easat-5950	196	28	creation	creation	NOUN
easat-5950	196	29	of	of	ADP
easat-5950	196	30	new	new	ADJ
easat-5950	196	31	jobs	job	NOUN
easat-5950	196	32	,	,	PUNCT
easat-5950	196	33	and	and	CCONJ
easat-5950	196	34	thus	thus	ADV
easat-5950	196	35	this	this	DET
easat-5950	196	36	hypothesis	hypothesis	NOUN
easat-5950	196	37	is	be	AUX
easat-5950	196	38	validated	validate	VERB
easat-5950	196	39	or	or	CCONJ
easat-5950	196	40	accepted	accept	VERB
easat-5950	196	41	.	.	PUNCT
easat-5950	197	1	h2	h2	PROPN
easat-5950	197	2	indicates	indicate	VERB
easat-5950	197	3	that	that	SCONJ
easat-5950	197	4	mfi	mfi	PROPN
easat-5950	197	5	counseling	counseling	NOUN
easat-5950	197	6	had	have	VERB
easat-5950	197	7	no	no	DET
easat-5950	197	8	significant	significant	ADJ
easat-5950	197	9	impact	impact	NOUN
easat-5950	197	10	on	on	ADP
easat-5950	197	11	job	job	NOUN
easat-5950	197	12	creation	creation	NOUN
easat-5950	197	13	(	(	PUNCT
easat-5950	198	1	t	t	NOUN
easat-5950	198	2	=	=	SYM
easat-5950	198	3	-7.883	-7.883	PROPN
easat-5950	198	4	,	,	PUNCT
easat-5950	198	5	β	β	X
easat-5950	198	6	=	=	SYM
easat-5950	198	7	-.204	-.204	PROPN
easat-5950	198	8	,	,	PUNCT
easat-5950	198	9	p	p	X
easat-5950	198	10	=	=	NOUN
easat-5950	198	11	0.000	0.000	NUM
easat-5950	198	12	)	)	PUNCT
easat-5950	198	13	.	.	PUNCT
easat-5950	199	1	the	the	DET
easat-5950	199	2	relatively	relatively	ADV
easat-5950	199	3	low	low	ADJ
easat-5950	199	4	p	p	NOUN
easat-5950	199	5	-	-	PUNCT
easat-5950	199	6	value	value	NOUN
easat-5950	199	7	indicates	indicate	VERB
easat-5950	199	8	that	that	SCONJ
easat-5950	199	9	this	this	DET
easat-5950	199	10	effect	effect	NOUN
easat-5950	199	11	is	be	AUX
easat-5950	199	12	statistically	statistically	ADV
easat-5950	199	13	significant	significant	ADJ
easat-5950	199	14	.	.	PUNCT
easat-5950	200	1	this	this	PRON
easat-5950	200	2	demonstrates	demonstrate	VERB
easat-5950	200	3	that	that	SCONJ
easat-5950	200	4	one	one	NUM
easat-5950	200	5	unit	unit	NOUN
easat-5950	200	6	of	of	ADP
easat-5950	200	7	consultancy	consultancy	NOUN
easat-5950	200	8	offered	offer	VERB
easat-5950	200	9	per	per	ADP
easat-5950	200	10	client	client	NOUN
easat-5950	200	11	by	by	ADP
easat-5950	200	12	the	the	DET
easat-5950	200	13	mfi	mfi	PROPN
easat-5950	200	14	has	have	VERB
easat-5950	200	15	no	no	DET
easat-5950	200	16	effect	effect	NOUN
easat-5950	200	17	on	on	ADP
easat-5950	200	18	the	the	DET
easat-5950	200	19	creation	creation	NOUN
easat-5950	200	20	of	of	ADP
easat-5950	200	21	new	new	ADJ
easat-5950	200	22	jobs	job	NOUN
easat-5950	200	23	;	;	PUNCT
easat-5950	200	24	rather	rather	ADV
easat-5950	200	25	,	,	PUNCT
easat-5950	200	26	it	it	PRON
easat-5950	200	27	reduces	reduce	VERB
easat-5950	200	28	the	the	DET
easat-5950	200	29	creation	creation	NOUN
easat-5950	200	30	of	of	ADP
easat-5950	200	31	new	new	ADJ
easat-5950	200	32	jobs	job	NOUN
easat-5950	200	33	by	by	ADP
easat-5950	200	34	-0.204	-0.204	PROPN
easat-5950	200	35	,	,	PUNCT
easat-5950	200	36	as	as	ADV
easat-5950	200	37	well	well	ADV
easat-5950	200	38	as	as	ADP
easat-5950	200	39	the	the	DET
easat-5950	200	40	value	value	NOUN
easat-5950	200	41	of	of	ADP
easat-5950	200	42	p	p	NOUN
easat-5950	200	43	=	=	NOUN
easat-5950	200	44	0.000	0.000	NUM
easat-5950	200	45	,	,	PUNCT
easat-5950	200	46	which	which	PRON
easat-5950	200	47	from	from	ADP
easat-5950	200	48	the	the	DET
easat-5950	200	49	kjp	kjp	PROPN
easat-5950	200	50	resulted	result	VERB
easat-5950	200	51	in	in	ADP
easat-5950	200	52	a	a	DET
easat-5950	200	53	value	value	NOUN
easat-5950	200	54	less	less	ADJ
easat-5950	200	55	than	than	ADP
easat-5950	200	56	0.05	0.05	NUM
easat-5950	200	57	.	.	PUNCT
easat-5950	201	1	this	this	PRON
easat-5950	201	2	leads	lead	VERB
easat-5950	201	3	us	we	PRON
easat-5950	201	4	to	to	ADP
easat-5950	201	5	the	the	DET
easat-5950	201	6	conclusion	conclusion	NOUN
easat-5950	201	7	that	that	SCONJ
easat-5950	201	8	h2	h2	NOUN
easat-5950	201	9	,	,	PUNCT
easat-5950	201	10	which	which	PRON
easat-5950	201	11	is	be	AUX
easat-5950	201	12	related	relate	VERB
easat-5950	201	13	to	to	ADP
easat-5950	201	14	the	the	DET
easat-5950	201	15	consultancy	consultancy	NOUN
easat-5950	201	16	provided	provide	VERB
easat-5950	201	17	per	per	ADP
easat-5950	201	18	client	client	NOUN
easat-5950	201	19	by	by	ADP
easat-5950	201	20	the	the	DET
easat-5950	201	21	mfi	mfi	PROPN
easat-5950	201	22	,	,	PUNCT
easat-5950	201	23	has	have	AUX
easat-5950	201	24	no	no	DET
easat-5950	201	25	impact	impact	NOUN
easat-5950	201	26	on	on	ADP
easat-5950	201	27	the	the	DET
easat-5950	201	28	creation	creation	NOUN
easat-5950	201	29	of	of	ADP
easat-5950	201	30	new	new	ADJ
easat-5950	201	31	jobs	job	NOUN
easat-5950	201	32	;	;	PUNCT
easat-5950	201	33	hence	hence	ADV
easat-5950	201	34	,	,	PUNCT
easat-5950	201	35	this	this	DET
easat-5950	201	36	hypothesis	hypothesis	NOUN
easat-5950	201	37	is	be	AUX
easat-5950	201	38	confirmed	confirm	VERB
easat-5950	201	39	or	or	CCONJ
easat-5950	201	40	accepted	accept	VERB
easat-5950	201	41	.	.	PUNCT
easat-5950	202	1	the	the	DET
easat-5950	202	2	linear	linear	ADJ
easat-5950	202	3	regression	regression	NOUN
easat-5950	202	4	result	result	NOUN
easat-5950	202	5	for	for	ADP
easat-5950	202	6	h3	h3	NOUN
easat-5950	202	7	is	be	AUX
easat-5950	202	8	significant	significant	ADJ
easat-5950	202	9	and	and	CCONJ
easat-5950	202	10	negative	negative	ADJ
easat-5950	202	11	(	(	PUNCT
easat-5950	202	12	t	t	NOUN
easat-5950	202	13	=	=	SYM
easat-5950	202	14	-123	-123	PROPN
easat-5950	202	15	,	,	PUNCT
easat-5950	202	16	β	β	X
easat-5950	202	17	=	=	PUNCT
easat-5950	202	18	-7.741	-7.741	PROPN
easat-5950	202	19	,	,	PUNCT
easat-5950	202	20	p	p	X
easat-5950	202	21	=	=	NOUN
easat-5950	202	22	0.000	0.000	NUM
easat-5950	202	23	)	)	PUNCT
easat-5950	202	24	,	,	PUNCT
easat-5950	202	25	indicating	indicate	VERB
easat-5950	202	26	that	that	SCONJ
easat-5950	202	27	the	the	DET
easat-5950	202	28	mfi	mfi	PROPN
easat-5950	202	29	initiatives	initiative	NOUN
easat-5950	202	30	lack	lack	VERB
easat-5950	202	31	an	an	DET
easat-5950	202	32	adequate	adequate	ADJ
easat-5950	202	33	level	level	NOUN
easat-5950	202	34	of	of	ADP
easat-5950	202	35	cooperation	cooperation	NOUN
easat-5950	202	36	with	with	ADP
easat-5950	202	37	government	government	NOUN
easat-5950	202	38	institutions	institution	NOUN
easat-5950	202	39	and	and	CCONJ
easat-5950	202	40	,	,	PUNCT
easat-5950	202	41	as	as	ADP
easat-5950	202	42	a	a	DET
easat-5950	202	43	result	result	NOUN
easat-5950	202	44	,	,	PUNCT
easat-5950	202	45	have	have	VERB
easat-5950	202	46	no	no	DET
easat-5950	202	47	impact	impact	NOUN
easat-5950	202	48	on	on	ADP
easat-5950	202	49	the	the	DET
easat-5950	202	50	creation	creation	NOUN
easat-5950	202	51	of	of	ADP
easat-5950	202	52	new	new	ADJ
easat-5950	202	53	jobs	job	NOUN
easat-5950	202	54	.	.	PUNCT
easat-5950	203	1	this	this	PRON
easat-5950	203	2	demonstrates	demonstrate	VERB
easat-5950	203	3	that	that	SCONJ
easat-5950	203	4	a	a	DET
easat-5950	203	5	unit	unit	NOUN
easat-5950	203	6	of	of	ADP
easat-5950	203	7	mfi	mfi	PROPN
easat-5950	203	8	programs	program	NOUN
easat-5950	203	9	lacks	lack	VERB
easat-5950	203	10	appropriate	appropriate	ADJ
easat-5950	203	11	coordination	coordination	NOUN
easat-5950	203	12	with	with	ADP
easat-5950	203	13	government	government	NOUN
easat-5950	203	14	institutions	institution	NOUN
easat-5950	203	15	and	and	CCONJ
easat-5950	203	16	thus	thus	ADV
easat-5950	203	17	has	have	VERB
easat-5950	203	18	no	no	DET
easat-5950	203	19	effect	effect	NOUN
easat-5950	203	20	on	on	ADP
easat-5950	203	21	job	job	NOUN
easat-5950	203	22	creation	creation	NOUN
easat-5950	203	23	,	,	PUNCT
easat-5950	203	24	or	or	CCONJ
easat-5950	203	25	we	we	PRON
easat-5950	203	26	will	will	AUX
easat-5950	203	27	have	have	VERB
easat-5950	203	28	a	a	DET
easat-5950	203	29	decrease	decrease	NOUN
easat-5950	203	30	of	of	ADP
easat-5950	203	31	-7.741	-7.741	ADJ
easat-5950	203	32	,	,	PUNCT
easat-5950	203	33	as	as	ADV
easat-5950	203	34	well	well	ADV
easat-5950	203	35	as	as	ADP
easat-5950	203	36	a	a	DET
easat-5950	203	37	p	p	NOUN
easat-5950	203	38	-	-	PUNCT
easat-5950	203	39	value	value	NOUN
easat-5950	203	40	of	of	ADP
easat-5950	203	41	0.000	0.000	NUM
easat-5950	203	42	,	,	PUNCT
easat-5950	203	43	indicating	indicate	VERB
easat-5950	203	44	that	that	SCONJ
easat-5950	203	45	this	this	DET
easat-5950	203	46	value	value	NOUN
easat-5950	203	47	is	be	AUX
easat-5950	203	48	less	less	ADJ
easat-5950	203	49	than	than	ADP
easat-5950	203	50	the	the	DET
easat-5950	203	51	significant	significant	ADJ
easat-5950	203	52	value	value	NOUN
easat-5950	203	53	of	of	ADP
easat-5950	203	54	0.05	0.05	NUM
easat-5950	203	55	.	.	PUNCT
easat-5950	204	1	based	base	VERB
easat-5950	204	2	on	on	ADP
easat-5950	204	3	these	these	DET
easat-5950	204	4	values	value	NOUN
easat-5950	204	5	,	,	PUNCT
easat-5950	204	6	we	we	PRON
easat-5950	204	7	can	can	AUX
easat-5950	204	8	conclude	conclude	VERB
easat-5950	204	9	that	that	SCONJ
easat-5950	204	10	h3	h3	NOUN
easat-5950	204	11	mfi	mfi	PROPN
easat-5950	204	12	programs	program	NOUN
easat-5950	204	13	lack	lack	VERB
easat-5950	204	14	proper	proper	ADJ
easat-5950	204	15	coordination	coordination	NOUN
easat-5950	204	16	with	with	ADP
easat-5950	204	17	government	government	NOUN
easat-5950	204	18	institutions	institution	NOUN
easat-5950	204	19	and	and	CCONJ
easat-5950	204	20	have	have	VERB
easat-5950	204	21	no	no	DET
easat-5950	204	22	influence	influence	NOUN
easat-5950	204	23	on	on	ADP
easat-5950	204	24	employment	employment	NOUN
easat-5950	204	25	development	development	NOUN
easat-5950	204	26	;	;	PUNCT
easat-5950	204	27	hence	hence	ADV
easat-5950	204	28	,	,	PUNCT
easat-5950	204	29	this	this	DET
easat-5950	204	30	hypothesis	hypothesis	NOUN
easat-5950	204	31	is	be	AUX
easat-5950	204	32	confirmed	confirm	VERB
easat-5950	204	33	or	or	CCONJ
easat-5950	204	34	accepted	accept	VERB
easat-5950	204	35	.	.	PUNCT
easat-5950	205	1	h4	h4	PROPN
easat-5950	205	2	is	be	AUX
easat-5950	205	3	significant	significant	ADJ
easat-5950	205	4	and	and	CCONJ
easat-5950	205	5	negative	negative	ADJ
easat-5950	205	6	since	since	SCONJ
easat-5950	205	7	it	it	PRON
easat-5950	205	8	demonstrates	demonstrate	VERB
easat-5950	205	9	that	that	SCONJ
easat-5950	205	10	high	high	ADJ
easat-5950	205	11	interest	interest	NOUN
easat-5950	205	12	rates	rate	NOUN
easat-5950	205	13	on	on	ADP
easat-5950	205	14	microloans	microloan	NOUN
easat-5950	205	15	from	from	ADP
easat-5950	205	16	mfis	mfis	PROPN
easat-5950	205	17	have	have	VERB
easat-5950	205	18	a	a	DET
easat-5950	205	19	negative	negative	ADJ
easat-5950	205	20	effect	effect	NOUN
easat-5950	205	21	on	on	ADP
easat-5950	205	22	the	the	DET
easat-5950	205	23	creation	creation	NOUN
easat-5950	205	24	of	of	ADP
easat-5950	205	25	jobs	job	NOUN
easat-5950	205	26	(	(	PUNCT
easat-5950	205	27	t	t	NOUN
easat-5950	205	28	=	=	SYM
easat-5950	205	29	-.673	-.673	PROPN
easat-5950	205	30	,	,	PUNCT
easat-5950	205	31	β	β	X
easat-5950	205	32	=	=	SYM
easat-5950	205	33	-21.317	-21.317	PROPN
easat-5950	205	34	,	,	PUNCT
easat-5950	205	35	p	p	X
easat-5950	205	36	=	=	NOUN
easat-5950	205	37	0.000	0.000	NUM
easat-5950	205	38	)	)	PUNCT
easat-5950	205	39	.	.	PUNCT
easat-5950	206	1	this	this	DET
easat-5950	206	2	153	153	NUM
easat-5950	206	3	edelweiss	edelweiss	PROPN
easat-5950	206	4	applied	apply	VERB
easat-5950	206	5	science	science	NOUN
easat-5950	206	6	and	and	CCONJ
easat-5950	206	7	technology	technology	NOUN
easat-5950	206	8	issn	issn	PROPN
easat-5950	206	9	:	:	PUNCT
easat-5950	206	10	2576	2576	NUM
easat-5950	206	11	-	-	SYM
easat-5950	206	12	8484	8484	NUM
easat-5950	206	13	vol	vol	NOUN
easat-5950	206	14	.	.	PROPN
easat-5950	207	1	9	9	NUM
easat-5950	207	2	,	,	PUNCT
easat-5950	207	3	no	no	INTJ
easat-5950	207	4	.	.	NOUN
easat-5950	208	1	4	4	NUM
easat-5950	208	2	:	:	SYM
easat-5950	208	3	146	146	NUM
easat-5950	208	4	-	-	SYM
easat-5950	208	5	156	156	NUM
easat-5950	208	6	,	,	PUNCT
easat-5950	208	7	2025	2025	NUM
easat-5950	208	8	doi	doi	NOUN
easat-5950	208	9	:	:	PUNCT
easat-5950	208	10	10.55214/25768484.v9i4.5950	10.55214/25768484.v9i4.5950	NUM
easat-5950	208	11	©	©	PROPN
easat-5950	208	12	2025	2025	NUM
easat-5950	208	13	by	by	ADP
easat-5950	208	14	the	the	DET
easat-5950	208	15	authors	author	NOUN
easat-5950	208	16	;	;	PUNCT
easat-5950	208	17	licensee	licensee	PROPN
easat-5950	208	18	learning	learning	NOUN
easat-5950	208	19	gate	gate	NOUN
easat-5950	208	20	demonstrates	demonstrate	VERB
easat-5950	208	21	that	that	SCONJ
easat-5950	208	22	one	one	NUM
easat-5950	208	23	unit	unit	NOUN
easat-5950	208	24	of	of	ADP
easat-5950	208	25	high	high	ADJ
easat-5950	208	26	interest	interest	NOUN
easat-5950	208	27	rates	rate	NOUN
easat-5950	208	28	on	on	ADP
easat-5950	208	29	mfi	mfi	PROPN
easat-5950	208	30	microloans	microloans	PROPN
easat-5950	208	31	has	have	VERB
easat-5950	208	32	a	a	DET
easat-5950	208	33	negative	negative	ADJ
easat-5950	208	34	impact	impact	NOUN
easat-5950	208	35	on	on	ADP
easat-5950	208	36	job	job	NOUN
easat-5950	208	37	creation	creation	NOUN
easat-5950	208	38	of	of	ADP
easat-5950	208	39	-21.317	-21.317	PUNCT
easat-5950	208	40	,	,	PUNCT
easat-5950	208	41	with	with	ADP
easat-5950	208	42	p	p	PROPN
easat-5950	208	43	=	=	NOUN
easat-5950	208	44	0.000	0.000	NUM
easat-5950	208	45	,	,	PUNCT
easat-5950	208	46	resulting	result	VERB
easat-5950	208	47	in	in	ADP
easat-5950	208	48	a	a	DET
easat-5950	208	49	value	value	NOUN
easat-5950	208	50	less	less	ADJ
easat-5950	208	51	than	than	ADP
easat-5950	208	52	the	the	DET
easat-5950	208	53	significance	significance	NOUN
easat-5950	208	54	level	level	NOUN
easat-5950	208	55	of	of	ADP
easat-5950	208	56	0.05	0.05	NUM
easat-5950	208	57	.	.	PUNCT
easat-5950	209	1	based	base	VERB
easat-5950	209	2	on	on	ADP
easat-5950	209	3	this	this	PRON
easat-5950	209	4	,	,	PUNCT
easat-5950	209	5	we	we	PRON
easat-5950	209	6	may	may	AUX
easat-5950	209	7	conclude	conclude	VERB
easat-5950	209	8	that	that	SCONJ
easat-5950	209	9	h4	h4	NOUN
easat-5950	209	10	's	's	PART
easat-5950	209	11	high	high	ADJ
easat-5950	209	12	interest	interest	NOUN
easat-5950	209	13	rates	rate	NOUN
easat-5950	209	14	on	on	ADP
easat-5950	209	15	mfi	mfi	PROPN
easat-5950	209	16	microloans	microloan	NOUN
easat-5950	209	17	have	have	VERB
easat-5950	209	18	a	a	DET
easat-5950	209	19	negative	negative	ADJ
easat-5950	209	20	impact	impact	NOUN
easat-5950	209	21	on	on	ADP
easat-5950	209	22	employment	employment	NOUN
easat-5950	209	23	creation	creation	NOUN
easat-5950	209	24	;	;	PUNCT
easat-5950	209	25	therefore	therefore	ADV
easat-5950	209	26	,	,	PUNCT
easat-5950	209	27	h4	h4	PROPN
easat-5950	209	28	is	be	AUX
easat-5950	209	29	also	also	ADV
easat-5950	209	30	approved	approve	VERB
easat-5950	209	31	or	or	CCONJ
easat-5950	209	32	affirmed	affirm	VERB
easat-5950	209	33	.	.	PUNCT
easat-5950	210	1	table	table	NOUN
easat-5950	210	2	5	5	NUM
easat-5950	210	3	.	.	PUNCT
easat-5950	210	4	case	case	NOUN
easat-5950	210	5	processing	processing	NOUN
easat-5950	210	6	summary	summary	NOUN
easat-5950	210	7	.	.	PUNCT
easat-5950	211	1	case	case	NOUN
easat-5950	211	2	processing	processing	NOUN
easat-5950	211	3	summary	summary	NOUN
easat-5950	211	4	n	n	PRON
easat-5950	211	5	%	%	NOUN
easat-5950	211	6	cases	case	NOUN
easat-5950	211	7	valid	valid	ADJ
easat-5950	211	8	150	150	NUM
easat-5950	211	9	100.0	100.0	NUM
easat-5950	211	10	excludeda	excludeda	ADJ
easat-5950	211	11	0	0	NUM
easat-5950	211	12	0.0	0.0	NUM
easat-5950	211	13	total	total	NOUN
easat-5950	211	14	150	150	NUM
easat-5950	211	15	100.0	100.0	NUM
easat-5950	211	16	note	note	NOUN
easat-5950	211	17	:	:	PUNCT
easat-5950	211	18	a.	a.	NOUN
easat-5950	211	19	listwise	listwise	PROPN
easat-5950	211	20	deletion	deletion	NOUN
easat-5950	211	21	based	base	VERB
easat-5950	211	22	on	on	ADP
easat-5950	211	23	all	all	DET
easat-5950	211	24	variables	variable	NOUN
easat-5950	211	25	in	in	ADP
easat-5950	211	26	the	the	DET
easat-5950	211	27	procedure	procedure	NOUN
easat-5950	211	28	.	.	PUNCT
easat-5950	212	1	the	the	DET
easat-5950	212	2	"	"	PUNCT
easat-5950	212	3	case	case	NOUN
easat-5950	212	4	processing	processing	NOUN
easat-5950	212	5	summary	summary	NOUN
easat-5950	212	6	"	"	PUNCT
easat-5950	212	7	reveals	reveal	VERB
easat-5950	212	8	that	that	SCONJ
easat-5950	212	9	150	150	NUM
easat-5950	212	10	cases	case	NOUN
easat-5950	212	11	were	be	AUX
easat-5950	212	12	included	include	VERB
easat-5950	212	13	in	in	ADP
easat-5950	212	14	the	the	DET
easat-5950	212	15	analysis	analysis	NOUN
easat-5950	212	16	,	,	PUNCT
easat-5950	212	17	with	with	SCONJ
easat-5950	212	18	no	no	DET
easat-5950	212	19	cases	case	NOUN
easat-5950	212	20	excluded	exclude	VERB
easat-5950	212	21	.	.	PUNCT
easat-5950	213	1	this	this	PRON
easat-5950	213	2	is	be	AUX
easat-5950	213	3	positive	positive	ADJ
easat-5950	213	4	since	since	SCONJ
easat-5950	213	5	the	the	DET
easat-5950	213	6	lack	lack	NOUN
easat-5950	213	7	of	of	ADP
easat-5950	213	8	missing	miss	VERB
easat-5950	213	9	or	or	CCONJ
easat-5950	213	10	excluded	exclude	VERB
easat-5950	213	11	data	datum	NOUN
easat-5950	213	12	implies	imply	VERB
easat-5950	213	13	that	that	SCONJ
easat-5950	213	14	the	the	DET
easat-5950	213	15	data	data	NOUN
easat-5950	213	16	is	be	AUX
easat-5950	213	17	comprehensive	comprehensive	ADJ
easat-5950	213	18	and	and	CCONJ
easat-5950	213	19	ready	ready	ADJ
easat-5950	213	20	for	for	ADP
easat-5950	213	21	analysis	analysis	NOUN
easat-5950	213	22	.	.	PUNCT
easat-5950	214	1	"	"	PUNCT
easat-5950	214	2	listwise	listwise	ADJ
easat-5950	214	3	deletion	deletion	NOUN
easat-5950	214	4	"	"	PUNCT
easat-5950	214	5	indicates	indicate	VERB
easat-5950	214	6	that	that	SCONJ
easat-5950	214	7	any	any	DET
easat-5950	214	8	case	case	NOUN
easat-5950	214	9	with	with	ADP
easat-5950	214	10	missing	miss	VERB
easat-5950	214	11	data	datum	NOUN
easat-5950	214	12	on	on	ADP
easat-5950	214	13	any	any	DET
easat-5950	214	14	variable	variable	NOUN
easat-5950	214	15	has	have	AUX
easat-5950	214	16	been	be	AUX
easat-5950	214	17	excluded	exclude	VERB
easat-5950	214	18	from	from	ADP
easat-5950	214	19	the	the	DET
easat-5950	214	20	study	study	NOUN
easat-5950	214	21	.	.	PUNCT
easat-5950	215	1	in	in	ADP
easat-5950	215	2	the	the	DET
easat-5950	215	3	present	present	ADJ
easat-5950	215	4	instance	instance	NOUN
easat-5950	215	5	,	,	PUNCT
easat-5950	215	6	there	there	PRON
easat-5950	215	7	are	be	VERB
easat-5950	215	8	no	no	DET
easat-5950	215	9	such	such	ADJ
easat-5950	215	10	cases	case	NOUN
easat-5950	215	11	.	.	PUNCT
easat-5950	216	1	table	table	NOUN
easat-5950	216	2	6	6	NUM
easat-5950	216	3	.	.	PUNCT
easat-5950	217	1	reliability	reliability	NOUN
easat-5950	217	2	statistics	statistic	NOUN
easat-5950	217	3	.	.	PUNCT
easat-5950	218	1	reliability	reliability	NOUN
easat-5950	218	2	statistics	statistic	NOUN
easat-5950	218	3	cronbach	cronbach	VERB
easat-5950	218	4	's	's	PART
easat-5950	218	5	alpha	alpha	NOUN
easat-5950	218	6	n	n	NOUN
easat-5950	218	7	of	of	ADP
easat-5950	218	8	items	item	NOUN
easat-5950	218	9	0.881	0.881	NUM
easat-5950	218	10	4	4	NUM
easat-5950	218	11	the	the	DET
easat-5950	218	12	cronbach	cronbach	NOUN
easat-5950	218	13	's	's	PART
easat-5950	218	14	alpha	alpha	NOUN
easat-5950	218	15	test	test	NOUN
easat-5950	218	16	result	result	NOUN
easat-5950	218	17	in	in	ADP
easat-5950	218	18	table	table	NOUN
easat-5950	218	19	6	6	NUM
easat-5950	218	20	on	on	ADP
easat-5950	218	21	the	the	DET
easat-5950	218	22	measuring	measuring	NOUN
easat-5950	218	23	of	of	ADP
easat-5950	218	24	statistical	statistical	ADJ
easat-5950	218	25	reliability	reliability	NOUN
easat-5950	218	26	shows	show	VERB
easat-5950	218	27	that	that	PRON
easat-5950	218	28	cronbach	cronbach	VERB
easat-5950	218	29	's	's	PART
easat-5950	218	30	alpha	alpha	NOUN
easat-5950	218	31	=	=	NOUN
easat-5950	218	32	0.881	0.881	NUM
easat-5950	218	33	,	,	PUNCT
easat-5950	218	34	indicating	indicate	VERB
easat-5950	218	35	a	a	DET
easat-5950	218	36	high	high	ADJ
easat-5950	218	37	level	level	NOUN
easat-5950	218	38	of	of	ADP
easat-5950	218	39	reliability	reliability	NOUN
easat-5950	218	40	.	.	PUNCT
easat-5950	219	1	the	the	DET
easat-5950	219	2	four	four	NUM
easat-5950	219	3	questions	question	NOUN
easat-5950	219	4	on	on	ADP
easat-5950	219	5	this	this	DET
easat-5950	219	6	scale	scale	NOUN
easat-5950	219	7	are	be	AUX
easat-5950	219	8	measured	measure	VERB
easat-5950	219	9	,	,	PUNCT
easat-5950	219	10	and	and	CCONJ
easat-5950	219	11	the	the	DET
easat-5950	219	12	results	result	NOUN
easat-5950	219	13	are	be	AUX
easat-5950	219	14	acceptable	acceptable	ADJ
easat-5950	219	15	,	,	PUNCT
easat-5950	219	16	with	with	ADP
easat-5950	219	17	a	a	DET
easat-5950	219	18	stable	stable	ADJ
easat-5950	219	19	construct	construct	NOUN
easat-5950	219	20	.	.	PUNCT
easat-5950	220	1	5	5	X
easat-5950	220	2	.	.	X
easat-5950	220	3	discussion	discussion	NOUN
easat-5950	220	4	job	job	NOUN
easat-5950	220	5	creation	creation	NOUN
easat-5950	220	6	and	and	CCONJ
easat-5950	220	7	policy	policy	NOUN
easat-5950	220	8	management	management	NOUN
easat-5950	220	9	for	for	ADP
easat-5950	220	10	mfis	mfis	NOUN
easat-5950	220	11	in	in	ADP
easat-5950	220	12	kosovo	kosovo	PROPN
easat-5950	220	13	remain	remain	VERB
easat-5950	220	14	insufficient	insufficient	ADJ
easat-5950	220	15	to	to	PART
easat-5950	220	16	improve	improve	VERB
easat-5950	220	17	labor	labor	NOUN
easat-5950	220	18	market	market	NOUN
easat-5950	220	19	performance	performance	NOUN
easat-5950	220	20	.	.	PUNCT
easat-5950	221	1	economic	economic	ADJ
easat-5950	221	2	development	development	NOUN
easat-5950	221	3	demands	demand	VERB
easat-5950	221	4	a	a	DET
easat-5950	221	5	strong	strong	ADJ
easat-5950	221	6	private	private	ADJ
easat-5950	221	7	sector	sector	NOUN
easat-5950	221	8	,	,	PUNCT
easat-5950	221	9	which	which	PRON
easat-5950	221	10	requires	require	VERB
easat-5950	221	11	a	a	DET
easat-5950	221	12	strong	strong	ADJ
easat-5950	221	13	financial	financial	ADJ
easat-5950	221	14	system	system	NOUN
easat-5950	221	15	that	that	PRON
easat-5950	221	16	offers	offer	VERB
easat-5950	221	17	steady	steady	ADJ
easat-5950	221	18	funding	funding	NOUN
easat-5950	221	19	and	and	CCONJ
easat-5950	221	20	good	good	ADJ
easat-5950	221	21	business	business	NOUN
easat-5950	221	22	conditions	condition	NOUN
easat-5950	221	23	.	.	PUNCT
easat-5950	222	1	however	however	ADV
easat-5950	222	2	,	,	PUNCT
easat-5950	222	3	an	an	DET
easat-5950	222	4	advanced	advanced	ADJ
easat-5950	222	5	financial	financial	ADJ
easat-5950	222	6	system	system	NOUN
easat-5950	222	7	is	be	AUX
easat-5950	222	8	equally	equally	ADV
easat-5950	222	9	reliant	reliant	ADJ
easat-5950	222	10	on	on	ADP
easat-5950	222	11	profitable	profitable	ADJ
easat-5950	222	12	enterprises	enterprise	NOUN
easat-5950	222	13	that	that	PRON
easat-5950	222	14	contribute	contribute	VERB
easat-5950	222	15	to	to	ADP
easat-5950	222	16	its	its	PRON
easat-5950	222	17	development	development	NOUN
easat-5950	222	18	.	.	PUNCT
easat-5950	223	1	the	the	DET
easat-5950	223	2	development	development	NOUN
easat-5950	223	3	of	of	ADP
easat-5950	223	4	a	a	DET
easat-5950	223	5	sustainable	sustainable	ADJ
easat-5950	223	6	national	national	ADJ
easat-5950	223	7	plan	plan	NOUN
easat-5950	223	8	aimed	aim	VERB
easat-5950	223	9	at	at	ADP
easat-5950	223	10	deepening	deepen	VERB
easat-5950	223	11	financial	financial	ADJ
easat-5950	223	12	inclusion	inclusion	NOUN
easat-5950	223	13	at	at	ADP
easat-5950	223	14	the	the	DET
easat-5950	223	15	country	country	NOUN
easat-5950	223	16	level	level	NOUN
easat-5950	223	17	is	be	AUX
easat-5950	223	18	still	still	ADV
easat-5950	223	19	insufficient	insufficient	ADJ
easat-5950	223	20	;	;	PUNCT
easat-5950	223	21	therefore	therefore	ADV
easat-5950	223	22	,	,	PUNCT
easat-5950	223	23	the	the	DET
easat-5950	223	24	success	success	NOUN
easat-5950	223	25	of	of	ADP
easat-5950	223	26	financial	financial	ADJ
easat-5950	223	27	inclusion	inclusion	NOUN
easat-5950	223	28	is	be	AUX
easat-5950	223	29	inextricably	inextricably	ADV
easat-5950	223	30	tied	tie	VERB
easat-5950	223	31	to	to	ADP
easat-5950	223	32	the	the	DET
easat-5950	223	33	stability	stability	NOUN
easat-5950	223	34	of	of	ADP
easat-5950	223	35	the	the	DET
easat-5950	223	36	financial	financial	ADJ
easat-5950	223	37	system	system	NOUN
easat-5950	223	38	,	,	PUNCT
easat-5950	223	39	necessitating	necessitate	VERB
easat-5950	223	40	an	an	DET
easat-5950	223	41	integrated	integrated	ADJ
easat-5950	223	42	approach	approach	NOUN
easat-5950	223	43	.	.	PUNCT
easat-5950	224	1	kosovo	kosovo	PROPN
easat-5950	224	2	's	's	PART
easat-5950	224	3	microfinance	microfinance	NOUN
easat-5950	224	4	business	business	NOUN
easat-5950	224	5	has	have	AUX
easat-5950	224	6	evolved	evolve	VERB
easat-5950	224	7	greatly	greatly	ADV
easat-5950	224	8	since	since	SCONJ
easat-5950	224	9	its	its	PRON
easat-5950	224	10	beginnings	beginning	NOUN
easat-5950	224	11	in	in	ADP
easat-5950	224	12	the	the	DET
easat-5950	224	13	1990s	1990s	NUM
easat-5950	224	14	.	.	PUNCT
easat-5950	225	1	in	in	ADP
easat-5950	225	2	their	their	PRON
easat-5950	225	3	early	early	ADJ
easat-5950	225	4	phases	phase	NOUN
easat-5950	225	5	,	,	PUNCT
easat-5950	225	6	mfis	mfis	PROPN
easat-5950	225	7	were	be	AUX
easat-5950	225	8	mostly	mostly	ADV
easat-5950	225	9	non	non	ADJ
easat-5950	225	10	-	-	ADJ
easat-5950	225	11	governmental	governmental	ADJ
easat-5950	225	12	and	and	CCONJ
easat-5950	225	13	non	non	ADJ
easat-5950	225	14	-	-	ADJ
easat-5950	225	15	profit	profit	ADJ
easat-5950	225	16	organizations	organization	NOUN
easat-5950	225	17	that	that	PRON
easat-5950	225	18	focused	focus	VERB
easat-5950	225	19	on	on	ADP
easat-5950	225	20	social	social	ADJ
easat-5950	225	21	welfare	welfare	NOUN
easat-5950	225	22	and	and	CCONJ
easat-5950	225	23	community	community	NOUN
easat-5950	225	24	development	development	NOUN
easat-5950	225	25	.	.	PUNCT
easat-5950	226	1	however	however	ADV
easat-5950	226	2	,	,	PUNCT
easat-5950	226	3	as	as	SCONJ
easat-5950	226	4	time	time	NOUN
easat-5950	226	5	passed	pass	VERB
easat-5950	226	6	,	,	PUNCT
easat-5950	226	7	many	many	ADJ
easat-5950	226	8	of	of	ADP
easat-5950	226	9	them	they	PRON
easat-5950	226	10	evolved	evolve	VERB
easat-5950	226	11	into	into	ADP
easat-5950	226	12	official	official	ADJ
easat-5950	226	13	,	,	PUNCT
easat-5950	226	14	regulated	regulate	VERB
easat-5950	226	15	,	,	PUNCT
easat-5950	226	16	and	and	CCONJ
easat-5950	226	17	sustainable	sustainable	ADJ
easat-5950	226	18	financial	financial	ADJ
easat-5950	226	19	institutions	institution	NOUN
easat-5950	226	20	,	,	PUNCT
easat-5950	226	21	adjusting	adjust	VERB
easat-5950	226	22	to	to	ADP
easat-5950	226	23	the	the	DET
easat-5950	226	24	needs	need	NOUN
easat-5950	226	25	of	of	ADP
easat-5950	226	26	a	a	DET
easat-5950	226	27	rising	rise	VERB
easat-5950	226	28	market	market	NOUN
easat-5950	226	29	.	.	PUNCT
easat-5950	227	1	the	the	DET
easat-5950	227	2	microfinance	microfinance	NOUN
easat-5950	227	3	sector	sector	NOUN
easat-5950	227	4	currently	currently	ADV
easat-5950	227	5	plays	play	VERB
easat-5950	227	6	a	a	DET
easat-5950	227	7	substantial	substantial	ADJ
easat-5950	227	8	role	role	NOUN
easat-5950	227	9	in	in	ADP
easat-5950	227	10	the	the	DET
easat-5950	227	11	kosovo	kosovo	PROPN
easat-5950	227	12	economy	economy	NOUN
easat-5950	227	13	.	.	PUNCT
easat-5950	228	1	according	accord	VERB
easat-5950	228	2	to	to	ADP
easat-5950	228	3	data	datum	NOUN
easat-5950	228	4	from	from	ADP
easat-5950	228	5	september	september	PROPN
easat-5950	228	6	2024	2024	NUM
easat-5950	228	7	,	,	PUNCT
easat-5950	228	8	active	active	ADJ
easat-5950	228	9	loans	loan	NOUN
easat-5950	228	10	in	in	ADP
easat-5950	228	11	kosovo	kosovo	PROPN
easat-5950	228	12	totaled	total	VERB
easat-5950	228	13	381	381	NUM
easat-5950	228	14	million	million	NUM
easat-5950	228	15	euros	euro	NOUN
easat-5950	228	16	,	,	PUNCT
easat-5950	228	17	allocated	allocate	VERB
easat-5950	228	18	to	to	ADP
easat-5950	228	19	125	125	NUM
easat-5950	228	20	thousand	thousand	NUM
easat-5950	228	21	consumers	consumer	NOUN
easat-5950	228	22	.	.	PUNCT
easat-5950	229	1	this	this	PRON
easat-5950	229	2	demonstrates	demonstrate	VERB
easat-5950	229	3	a	a	DET
easat-5950	229	4	substantial	substantial	ADJ
easat-5950	229	5	prevalence	prevalence	NOUN
easat-5950	229	6	of	of	ADP
easat-5950	229	7	microfinance	microfinance	NOUN
easat-5950	229	8	services	service	NOUN
easat-5950	229	9	in	in	ADP
easat-5950	229	10	kosovo	kosovo	PROPN
easat-5950	229	11	.	.	PUNCT
easat-5950	230	1	given	give	VERB
easat-5950	230	2	that	that	PRON
easat-5950	230	3	9	9	NUM
easat-5950	230	4	mfis	mfis	NOUN
easat-5950	230	5	and	and	CCONJ
easat-5950	230	6	23	23	NUM
easat-5950	230	7	nbfis	nbfis	NOUN
easat-5950	230	8	operate	operate	NOUN
easat-5950	230	9	in	in	ADP
easat-5950	230	10	kosovo	kosovo	PROPN
easat-5950	230	11	,	,	PUNCT
easat-5950	230	12	with	with	ADP
easat-5950	230	13	a	a	DET
easat-5950	230	14	total	total	ADJ
easat-5950	230	15	asset	asset	NOUN
easat-5950	230	16	value	value	NOUN
easat-5950	230	17	of	of	ADP
easat-5950	230	18	627.9	627.9	NUM
easat-5950	230	19	million	million	NUM
easat-5950	230	20	euros	euro	NOUN
easat-5950	230	21	,	,	PUNCT
easat-5950	230	22	it	it	PRON
easat-5950	230	23	is	be	AUX
easat-5950	230	24	apparent	apparent	ADJ
easat-5950	230	25	that	that	SCONJ
easat-5950	230	26	this	this	DET
easat-5950	230	27	sector	sector	NOUN
easat-5950	230	28	is	be	AUX
easat-5950	230	29	a	a	DET
easat-5950	230	30	critical	critical	ADJ
easat-5950	230	31	component	component	NOUN
easat-5950	230	32	of	of	ADP
easat-5950	230	33	the	the	DET
easat-5950	230	34	national	national	ADJ
easat-5950	230	35	financial	financial	ADJ
easat-5950	230	36	system	system	NOUN
easat-5950	230	37	.	.	PUNCT
easat-5950	231	1	the	the	DET
easat-5950	231	2	microfinance	microfinance	NOUN
easat-5950	231	3	sector	sector	NOUN
easat-5950	231	4	in	in	ADP
easat-5950	231	5	kosovo	kosovo	PROPN
easat-5950	231	6	contributes	contribute	VERB
easat-5950	231	7	to	to	ADP
easat-5950	231	8	the	the	DET
easat-5950	231	9	generation	generation	NOUN
easat-5950	231	10	of	of	ADP
easat-5950	231	11	jobs	job	NOUN
easat-5950	231	12	,	,	PUNCT
easat-5950	231	13	which	which	PRON
easat-5950	231	14	is	be	AUX
easat-5950	231	15	especially	especially	ADV
easat-5950	231	16	significant	significant	ADJ
easat-5950	231	17	in	in	ADP
easat-5950	231	18	a	a	DET
easat-5950	231	19	nation	nation	NOUN
easat-5950	231	20	with	with	ADP
easat-5950	231	21	a	a	DET
easat-5950	231	22	high	high	ADJ
easat-5950	231	23	unemployment	unemployment	NOUN
easat-5950	231	24	rate	rate	NOUN
easat-5950	231	25	such	such	ADJ
easat-5950	231	26	as	as	ADP
easat-5950	231	27	kosovo	kosovo	PROPN
easat-5950	231	28	.	.	PUNCT
easat-5950	232	1	job	job	NOUN
easat-5950	232	2	creation	creation	NOUN
easat-5950	232	3	is	be	AUX
easat-5950	232	4	also	also	ADV
easat-5950	232	5	linked	link	VERB
easat-5950	232	6	to	to	ADP
easat-5950	232	7	a	a	DET
easat-5950	232	8	strong	strong	ADJ
easat-5950	232	9	association	association	NOUN
easat-5950	232	10	between	between	ADP
easat-5950	232	11	mfi	mfi	PROPN
easat-5950	232	12	development	development	PROPN
easat-5950	232	13	,	,	PUNCT
easat-5950	232	14	microcredits	microcredit	NOUN
easat-5950	232	15	provided	provide	VERB
easat-5950	232	16	,	,	PUNCT
easat-5950	232	17	consulting	consulting	NOUN
easat-5950	232	18	services	service	NOUN
easat-5950	232	19	,	,	PUNCT
easat-5950	232	20	government	government	NOUN
easat-5950	232	21	coordination	coordination	NOUN
easat-5950	232	22	,	,	PUNCT
easat-5950	232	23	and	and	CCONJ
easat-5950	232	24	loan	loan	NOUN
easat-5950	232	25	interest	interest	NOUN
easat-5950	232	26	rates	rate	NOUN
easat-5950	232	27	.	.	PUNCT
easat-5950	233	1	based	base	VERB
easat-5950	233	2	on	on	ADP
easat-5950	233	3	the	the	DET
easat-5950	233	4	survey	survey	NOUN
easat-5950	233	5	results	result	NOUN
easat-5950	233	6	,	,	PUNCT
easat-5950	233	7	the	the	DET
easat-5950	233	8	majority	majority	NOUN
easat-5950	233	9	of	of	ADP
easat-5950	233	10	respondents	respondent	NOUN
easat-5950	233	11	stated	state	VERB
easat-5950	233	12	yes	yes	INTJ
easat-5950	233	13	,	,	PUNCT
easat-5950	233	14	with	with	ADP
easat-5950	233	15	just	just	ADV
easat-5950	233	16	a	a	DET
easat-5950	233	17	small	small	ADJ
easat-5950	233	18	percentage	percentage	NOUN
easat-5950	233	19	saying	say	VERB
easat-5950	233	20	there	there	PRON
easat-5950	233	21	was	be	VERB
easat-5950	233	22	a	a	DET
easat-5950	233	23	strong	strong	ADJ
easat-5950	233	24	association	association	NOUN
easat-5950	233	25	between	between	ADP
easat-5950	233	26	mfi	mfi	PROPN
easat-5950	233	27	microcredits	microcredit	NOUN
easat-5950	233	28	and	and	CCONJ
easat-5950	233	29	employment	employment	NOUN
easat-5950	233	30	development	development	NOUN
easat-5950	233	31	.	.	PUNCT
easat-5950	234	1	linear	linear	ADJ
easat-5950	234	2	regression	regression	NOUN
easat-5950	234	3	analyses	analysis	NOUN
easat-5950	234	4	for	for	ADP
easat-5950	234	5	h1	h1	PROPN
easat-5950	234	6	,	,	PUNCT
easat-5950	234	7	h2	h2	PROPN
easat-5950	234	8	,	,	PUNCT
easat-5950	234	9	h3	h3	NOUN
easat-5950	234	10	,	,	PUNCT
easat-5950	234	11	and	and	CCONJ
easat-5950	234	12	h4	h4	PROPN
easat-5950	234	13	reveal	reveal	VERB
easat-5950	234	14	154	154	NUM
easat-5950	234	15	edelweiss	edelweiss	PROPN
easat-5950	234	16	applied	apply	VERB
easat-5950	234	17	science	science	NOUN
easat-5950	234	18	and	and	CCONJ
easat-5950	234	19	technology	technology	NOUN
easat-5950	234	20	issn	issn	PROPN
easat-5950	234	21	:	:	PUNCT
easat-5950	234	22	2576	2576	NUM
easat-5950	234	23	-	-	SYM
easat-5950	234	24	8484	8484	NUM
easat-5950	234	25	vol	vol	NOUN
easat-5950	234	26	.	.	PROPN
easat-5950	235	1	9	9	NUM
easat-5950	235	2	,	,	PUNCT
easat-5950	235	3	no	no	INTJ
easat-5950	235	4	.	.	NOUN
easat-5950	236	1	4	4	NUM
easat-5950	236	2	:	:	SYM
easat-5950	236	3	146	146	NUM
easat-5950	236	4	-	-	SYM
easat-5950	236	5	156	156	NUM
easat-5950	236	6	,	,	PUNCT
easat-5950	236	7	2025	2025	NUM
easat-5950	236	8	doi	doi	NOUN
easat-5950	236	9	:	:	PUNCT
easat-5950	236	10	10.55214/25768484.v9i4.5950	10.55214/25768484.v9i4.5950	NUM
easat-5950	236	11	©	©	PROPN
easat-5950	236	12	2025	2025	NUM
easat-5950	236	13	by	by	ADP
easat-5950	236	14	the	the	DET
easat-5950	236	15	authors	author	NOUN
easat-5950	236	16	;	;	PUNCT
easat-5950	236	17	licensee	licensee	PROPN
easat-5950	236	18	learning	learning	NOUN
easat-5950	236	19	gate	gate	VERB
easat-5950	236	20	substantial	substantial	ADJ
easat-5950	236	21	correlations	correlation	NOUN
easat-5950	236	22	between	between	ADP
easat-5950	236	23	job	job	NOUN
easat-5950	236	24	creation	creation	NOUN
easat-5950	236	25	and	and	CCONJ
easat-5950	236	26	the	the	DET
easat-5950	236	27	hypotheses	hypothesis	NOUN
easat-5950	236	28	raised	raise	VERB
easat-5950	236	29	in	in	ADP
easat-5950	236	30	this	this	DET
easat-5950	236	31	study	study	NOUN
easat-5950	236	32	in	in	ADP
easat-5950	236	33	kosovo	kosovo	PROPN
easat-5950	236	34	;	;	PUNCT
easat-5950	236	35	hence	hence	ADV
easat-5950	236	36	,	,	PUNCT
easat-5950	236	37	based	base	VERB
easat-5950	236	38	on	on	ADP
easat-5950	236	39	the	the	DET
easat-5950	236	40	values	value	NOUN
easat-5950	236	41	of	of	ADP
easat-5950	236	42	t	t	PROPN
easat-5950	236	43	,	,	PUNCT
easat-5950	236	44	b	b	NOUN
easat-5950	236	45	,	,	PUNCT
easat-5950	236	46	and	and	CCONJ
easat-5950	236	47	p	p	X
easat-5950	236	48	,	,	PUNCT
easat-5950	236	49	we	we	PRON
easat-5950	236	50	may	may	AUX
easat-5950	236	51	conclude	conclude	VERB
easat-5950	236	52	that	that	SCONJ
easat-5950	236	53	the	the	DET
easat-5950	236	54	hypotheses	hypothesis	NOUN
easat-5950	236	55	raised	raise	VERB
easat-5950	236	56	in	in	ADP
easat-5950	236	57	this	this	DET
easat-5950	236	58	work	work	NOUN
easat-5950	236	59	can	can	AUX
easat-5950	236	60	be	be	AUX
easat-5950	236	61	confirmed	confirm	VERB
easat-5950	236	62	or	or	CCONJ
easat-5950	236	63	accepted	accept	VERB
easat-5950	236	64	.	.	PUNCT
easat-5950	237	1	6	6	X
easat-5950	237	2	.	.	X
easat-5950	237	3	conclusions	conclusion	NOUN
easat-5950	237	4	and	and	CCONJ
easat-5950	237	5	recommendations	recommendation	NOUN
easat-5950	237	6	kosovo	kosovo	PROPN
easat-5950	237	7	's	's	PART
easat-5950	237	8	job	job	NOUN
easat-5950	237	9	creation	creation	NOUN
easat-5950	237	10	is	be	AUX
easat-5950	237	11	low	low	ADJ
easat-5950	237	12	due	due	ADJ
easat-5950	237	13	to	to	ADP
easat-5950	237	14	insufficient	insufficient	ADJ
easat-5950	237	15	economic	economic	ADJ
easat-5950	237	16	development	development	NOUN
easat-5950	237	17	,	,	PUNCT
easat-5950	237	18	ineffective	ineffective	ADJ
easat-5950	237	19	labor	labor	NOUN
easat-5950	237	20	market	market	NOUN
easat-5950	237	21	policies	policy	NOUN
easat-5950	237	22	,	,	PUNCT
easat-5950	237	23	and	and	CCONJ
easat-5950	237	24	ineffective	ineffective	ADJ
easat-5950	237	25	country	country	NOUN
easat-5950	237	26	-	-	PUNCT
easat-5950	237	27	level	level	NOUN
easat-5950	237	28	financial	financial	ADJ
easat-5950	237	29	management	management	NOUN
easat-5950	237	30	.	.	PUNCT
easat-5950	238	1	there	there	PRON
easat-5950	238	2	is	be	VERB
easat-5950	238	3	a	a	DET
easat-5950	238	4	limited	limited	ADJ
easat-5950	238	5	association	association	NOUN
easat-5950	238	6	between	between	ADP
easat-5950	238	7	the	the	DET
easat-5950	238	8	number	number	NOUN
easat-5950	238	9	of	of	ADP
easat-5950	238	10	microloans	microloan	NOUN
easat-5950	238	11	made	make	VERB
easat-5950	238	12	by	by	ADP
easat-5950	238	13	mfis	mfis	NOUN
easat-5950	238	14	and	and	CCONJ
easat-5950	238	15	the	the	DET
easat-5950	238	16	number	number	NOUN
easat-5950	238	17	of	of	ADP
easat-5950	238	18	employments	employment	NOUN
easat-5950	238	19	produced	produce	VERB
easat-5950	238	20	.	.	PUNCT
easat-5950	239	1	microloans	microloan	NOUN
easat-5950	239	2	resulted	result	VERB
easat-5950	239	3	in	in	ADP
easat-5950	239	4	a	a	DET
easat-5950	239	5	minimal	minimal	ADJ
easat-5950	239	6	rise	rise	NOUN
easat-5950	239	7	in	in	ADP
easat-5950	239	8	employment	employment	NOUN
easat-5950	239	9	.	.	PUNCT
easat-5950	240	1	it	it	PRON
easat-5950	240	2	is	be	AUX
easat-5950	240	3	widely	widely	ADV
easat-5950	240	4	acknowledged	acknowledge	VERB
easat-5950	240	5	that	that	SCONJ
easat-5950	240	6	job	job	NOUN
easat-5950	240	7	growth	growth	NOUN
easat-5950	240	8	is	be	AUX
easat-5950	240	9	inextricably	inextricably	ADV
easat-5950	240	10	tied	tie	VERB
easat-5950	240	11	to	to	ADP
easat-5950	240	12	the	the	DET
easat-5950	240	13	expansion	expansion	NOUN
easat-5950	240	14	of	of	ADP
easat-5950	240	15	mfis	mfis	PROPN
easat-5950	240	16	;	;	PUNCT
easat-5950	240	17	nevertheless	nevertheless	ADV
easat-5950	240	18	,	,	PUNCT
easat-5950	240	19	this	this	DET
easat-5950	240	20	relationship	relationship	NOUN
easat-5950	240	21	is	be	AUX
easat-5950	240	22	influenced	influence	VERB
easat-5950	240	23	by	by	ADP
easat-5950	240	24	a	a	DET
easat-5950	240	25	variety	variety	NOUN
easat-5950	240	26	of	of	ADP
easat-5950	240	27	factors	factor	NOUN
easat-5950	240	28	,	,	PUNCT
easat-5950	240	29	including	include	VERB
easat-5950	240	30	service	service	NOUN
easat-5950	240	31	quality	quality	NOUN
easat-5950	240	32	,	,	PUNCT
easat-5950	240	33	interinstitutional	interinstitutional	ADJ
easat-5950	240	34	cooperation	cooperation	NOUN
easat-5950	240	35	,	,	PUNCT
easat-5950	240	36	and	and	CCONJ
easat-5950	240	37	market	market	NOUN
easat-5950	240	38	conditions	condition	NOUN
easat-5950	240	39	.	.	PUNCT
easat-5950	241	1	the	the	DET
easat-5950	241	2	high	high	ADJ
easat-5950	241	3	interest	interest	NOUN
easat-5950	241	4	rates	rate	NOUN
easat-5950	241	5	on	on	ADP
easat-5950	241	6	microloans	microloan	NOUN
easat-5950	241	7	can	can	AUX
easat-5950	241	8	be	be	AUX
easat-5950	241	9	a	a	DET
easat-5950	241	10	barrier	barrier	NOUN
easat-5950	241	11	to	to	ADP
easat-5950	241	12	employment	employment	NOUN
easat-5950	241	13	growth	growth	NOUN
easat-5950	241	14	.	.	PUNCT
easat-5950	242	1	the	the	DET
easat-5950	242	2	high	high	ADJ
easat-5950	242	3	cost	cost	NOUN
easat-5950	242	4	of	of	ADP
easat-5950	242	5	borrowing	borrowing	NOUN
easat-5950	242	6	can	can	AUX
easat-5950	242	7	make	make	VERB
easat-5950	242	8	certain	certain	ADJ
easat-5950	242	9	borrowers	borrower	NOUN
easat-5950	242	10	unable	unable	ADJ
easat-5950	242	11	to	to	PART
easat-5950	242	12	sustain	sustain	VERB
easat-5950	242	13	,	,	PUNCT
easat-5950	242	14	limiting	limit	VERB
easat-5950	242	15	employment	employment	NOUN
easat-5950	242	16	growth	growth	NOUN
easat-5950	242	17	;	;	PUNCT
easat-5950	242	18	hence	hence	ADV
easat-5950	242	19	,	,	PUNCT
easat-5950	242	20	it	it	PRON
easat-5950	242	21	is	be	AUX
easat-5950	242	22	critical	critical	ADJ
easat-5950	242	23	to	to	PART
easat-5950	242	24	strike	strike	VERB
easat-5950	242	25	a	a	DET
easat-5950	242	26	balance	balance	NOUN
easat-5950	242	27	between	between	ADP
easat-5950	242	28	profitability	profitability	NOUN
easat-5950	242	29	and	and	CCONJ
easat-5950	242	30	loan	loan	NOUN
easat-5950	242	31	accessibility	accessibility	NOUN
easat-5950	242	32	.	.	PUNCT
easat-5950	243	1	mfis	mfis	VERB
easat-5950	243	2	not	not	PART
easat-5950	243	3	only	only	ADV
easat-5950	243	4	provide	provide	VERB
easat-5950	243	5	microcredit	microcredit	NOUN
easat-5950	243	6	but	but	CCONJ
easat-5950	243	7	also	also	ADV
easat-5950	243	8	consultancy	consultancy	NOUN
easat-5950	243	9	,	,	PUNCT
easat-5950	243	10	training	training	NOUN
easat-5950	243	11	,	,	PUNCT
easat-5950	243	12	and	and	CCONJ
easat-5950	243	13	support	support	NOUN
easat-5950	243	14	services	service	NOUN
easat-5950	243	15	to	to	ADP
easat-5950	243	16	borrowers	borrower	NOUN
easat-5950	243	17	,	,	PUNCT
easat-5950	243	18	which	which	PRON
easat-5950	243	19	,	,	PUNCT
easat-5950	243	20	according	accord	VERB
easat-5950	243	21	to	to	ADP
easat-5950	243	22	the	the	DET
easat-5950	243	23	study	study	NOUN
easat-5950	243	24	's	's	PART
easat-5950	243	25	findings	finding	NOUN
easat-5950	243	26	,	,	PUNCT
easat-5950	243	27	have	have	AUX
easat-5950	243	28	not	not	PART
easat-5950	243	29	had	have	VERB
easat-5950	243	30	the	the	DET
easat-5950	243	31	desired	desire	VERB
easat-5950	243	32	impact	impact	NOUN
easat-5950	243	33	,	,	PUNCT
easat-5950	243	34	despite	despite	SCONJ
easat-5950	243	35	the	the	DET
easat-5950	243	36	fact	fact	NOUN
easat-5950	243	37	that	that	SCONJ
easat-5950	243	38	these	these	DET
easat-5950	243	39	services	service	NOUN
easat-5950	243	40	are	be	AUX
easat-5950	243	41	essential	essential	ADJ
easat-5950	243	42	to	to	ADP
easat-5950	243	43	the	the	DET
easat-5950	243	44	success	success	NOUN
easat-5950	243	45	of	of	ADP
easat-5950	243	46	new	new	ADJ
easat-5950	243	47	businesses	business	NOUN
easat-5950	243	48	and	and	CCONJ
easat-5950	243	49	the	the	DET
easat-5950	243	50	improvement	improvement	NOUN
easat-5950	243	51	of	of	ADP
easat-5950	243	52	existing	exist	VERB
easat-5950	243	53	ones	one	NOUN
easat-5950	243	54	,	,	PUNCT
easat-5950	243	55	directly	directly	ADV
easat-5950	243	56	contributing	contribute	VERB
easat-5950	243	57	to	to	ADP
easat-5950	243	58	the	the	DET
easat-5950	243	59	increase	increase	NOUN
easat-5950	243	60	in	in	ADP
easat-5950	243	61	employment	employment	NOUN
easat-5950	243	62	.	.	PUNCT
easat-5950	244	1	based	base	VERB
easat-5950	244	2	on	on	ADP
easat-5950	244	3	the	the	DET
easat-5950	244	4	correlation	correlation	NOUN
easat-5950	244	5	regression	regression	NOUN
easat-5950	244	6	analyses	analysis	NOUN
easat-5950	244	7	and	and	CCONJ
easat-5950	244	8	the	the	DET
easat-5950	244	9	coefficient	coefficient	NOUN
easat-5950	244	10	values	value	NOUN
easat-5950	244	11	between	between	ADP
easat-5950	244	12	the	the	DET
easat-5950	244	13	constant	constant	ADJ
easat-5950	244	14	variable	variable	NOUN
easat-5950	244	15	and	and	CCONJ
easat-5950	244	16	the	the	DET
easat-5950	244	17	independent	independent	ADJ
easat-5950	244	18	variables	variable	NOUN
easat-5950	244	19	,	,	PUNCT
easat-5950	244	20	hypotheses	hypothesis	NOUN
easat-5950	244	21	1	1	NUM
easat-5950	244	22	,	,	PUNCT
easat-5950	244	23	2	2	NUM
easat-5950	244	24	,	,	PUNCT
easat-5950	244	25	3	3	NUM
easat-5950	244	26	,	,	PUNCT
easat-5950	244	27	and	and	CCONJ
easat-5950	244	28	4	4	NUM
easat-5950	244	29	result	result	NOUN
easat-5950	244	30	as	as	SCONJ
easat-5950	244	31	accepted	accept	VERB
easat-5950	244	32	.	.	PUNCT
easat-5950	245	1	one	one	NUM
easat-5950	245	2	of	of	ADP
easat-5950	245	3	the	the	DET
easat-5950	245	4	recommendations	recommendation	NOUN
easat-5950	245	5	emerging	emerge	VERB
easat-5950	245	6	from	from	ADP
easat-5950	245	7	this	this	DET
easat-5950	245	8	study	study	NOUN
easat-5950	245	9	,	,	PUNCT
easat-5950	245	10	based	base	VERB
easat-5950	245	11	on	on	ADP
easat-5950	245	12	the	the	DET
easat-5950	245	13	previously	previously	ADV
easat-5950	245	14	explained	explain	VERB
easat-5950	245	15	link	link	NOUN
easat-5950	245	16	between	between	ADP
easat-5950	245	17	mfis	mfis	NOUN
easat-5950	245	18	and	and	CCONJ
easat-5950	245	19	job	job	NOUN
easat-5950	245	20	creation	creation	NOUN
easat-5950	245	21	,	,	PUNCT
easat-5950	245	22	is	be	AUX
easat-5950	245	23	that	that	SCONJ
easat-5950	245	24	the	the	DET
easat-5950	245	25	government	government	NOUN
easat-5950	245	26	and	and	CCONJ
easat-5950	245	27	financial	financial	ADJ
easat-5950	245	28	institutions	institution	NOUN
easat-5950	245	29	collaborate	collaborate	VERB
easat-5950	245	30	to	to	PART
easat-5950	245	31	create	create	VERB
easat-5950	245	32	mechanisms	mechanism	NOUN
easat-5950	245	33	that	that	PRON
easat-5950	245	34	reduce	reduce	VERB
easat-5950	245	35	the	the	DET
easat-5950	245	36	costs	cost	NOUN
easat-5950	245	37	of	of	ADP
easat-5950	245	38	lending	lending	NOUN
easat-5950	245	39	to	to	PART
easat-5950	245	40	mfis	mfis	VERB
easat-5950	245	41	,	,	PUNCT
easat-5950	245	42	such	such	ADJ
easat-5950	245	43	as	as	ADP
easat-5950	245	44	guarantee	guarantee	NOUN
easat-5950	245	45	schemes	scheme	NOUN
easat-5950	245	46	,	,	PUNCT
easat-5950	245	47	favorable	favorable	ADJ
easat-5950	245	48	refinancing	refinancing	NOUN
easat-5950	245	49	,	,	PUNCT
easat-5950	245	50	and	and	CCONJ
easat-5950	245	51	tax	tax	NOUN
easat-5950	245	52	cuts	cut	NOUN
easat-5950	245	53	.	.	PUNCT
easat-5950	246	1	this	this	PRON
easat-5950	246	2	will	will	AUX
easat-5950	246	3	enable	enable	VERB
easat-5950	246	4	mfis	mfis	NOUN
easat-5950	246	5	to	to	PART
easat-5950	246	6	offer	offer	VERB
easat-5950	246	7	loans	loan	NOUN
easat-5950	246	8	at	at	ADP
easat-5950	246	9	reduced	reduced	ADJ
easat-5950	246	10	interest	interest	NOUN
easat-5950	246	11	rates	rate	NOUN
easat-5950	246	12	,	,	PUNCT
easat-5950	246	13	making	make	VERB
easat-5950	246	14	them	they	PRON
easat-5950	246	15	more	more	ADV
easat-5950	246	16	accessible	accessible	ADJ
easat-5950	246	17	to	to	ADP
easat-5950	246	18	small	small	ADJ
easat-5950	246	19	enterprises	enterprise	NOUN
easat-5950	246	20	and	and	CCONJ
easat-5950	246	21	boosting	boost	VERB
easat-5950	246	22	job	job	NOUN
easat-5950	246	23	development	development	NOUN
easat-5950	246	24	.	.	PUNCT
easat-5950	247	1	mfis	mfis	PROPN
easat-5950	247	2	should	should	AUX
easat-5950	247	3	broaden	broaden	VERB
easat-5950	247	4	their	their	PRON
easat-5950	247	5	financial	financial	ADJ
easat-5950	247	6	product	product	NOUN
easat-5950	247	7	and	and	CCONJ
easat-5950	247	8	service	service	NOUN
easat-5950	247	9	offerings	offering	NOUN
easat-5950	247	10	,	,	PUNCT
easat-5950	247	11	such	such	ADJ
easat-5950	247	12	as	as	ADP
easat-5950	247	13	insurance	insurance	NOUN
easat-5950	247	14	,	,	PUNCT
easat-5950	247	15	savings	saving	NOUN
easat-5950	247	16	,	,	PUNCT
easat-5950	247	17	and	and	CCONJ
easat-5950	247	18	money	money	NOUN
easat-5950	247	19	transfers	transfer	NOUN
easat-5950	247	20	.	.	PUNCT
easat-5950	248	1	to	to	PART
easat-5950	248	2	guarantee	guarantee	VERB
easat-5950	248	3	that	that	SCONJ
easat-5950	248	4	financing	financing	NOUN
easat-5950	248	5	reaches	reach	VERB
easat-5950	248	6	the	the	DET
easat-5950	248	7	small	small	ADJ
easat-5950	248	8	businesses	business	NOUN
easat-5950	248	9	who	who	PRON
easat-5950	248	10	need	need	VERB
easat-5950	248	11	it	it	PRON
easat-5950	248	12	the	the	DET
easat-5950	248	13	most	most	ADJ
easat-5950	248	14	,	,	PUNCT
easat-5950	248	15	the	the	DET
easat-5950	248	16	loan	loan	NOUN
easat-5950	248	17	application	application	NOUN
easat-5950	248	18	process	process	NOUN
easat-5950	248	19	should	should	AUX
easat-5950	248	20	be	be	AUX
easat-5950	248	21	improved	improve	VERB
easat-5950	248	22	,	,	PUNCT
easat-5950	248	23	with	with	ADP
easat-5950	248	24	procedures	procedure	NOUN
easat-5950	248	25	simplified	simplify	VERB
easat-5950	248	26	and	and	CCONJ
easat-5950	248	27	borrowers	borrower	NOUN
easat-5950	248	28	given	give	VERB
easat-5950	248	29	priority	priority	NOUN
easat-5950	248	30	,	,	PUNCT
easat-5950	248	31	particularly	particularly	ADV
easat-5950	248	32	those	those	PRON
easat-5950	248	33	with	with	ADP
easat-5950	248	34	the	the	DET
easat-5950	248	35	potential	potential	NOUN
easat-5950	248	36	for	for	ADP
easat-5950	248	37	job	job	NOUN
easat-5950	248	38	creation	creation	NOUN
easat-5950	248	39	.	.	PUNCT
easat-5950	249	1	mfis	mfis	PROPN
easat-5950	249	2	should	should	AUX
easat-5950	249	3	invest	invest	VERB
easat-5950	249	4	in	in	ADP
easat-5950	249	5	training	train	VERB
easat-5950	249	6	their	their	PRON
easat-5950	249	7	employees	employee	NOUN
easat-5950	249	8	to	to	PART
easat-5950	249	9	provide	provide	VERB
easat-5950	249	10	consulting	consulting	NOUN
easat-5950	249	11	and	and	CCONJ
easat-5950	249	12	support	support	NOUN
easat-5950	249	13	to	to	ADP
easat-5950	249	14	businesses	business	NOUN
easat-5950	249	15	.	.	PUNCT
easat-5950	250	1	this	this	PRON
easat-5950	250	2	will	will	AUX
easat-5950	250	3	improve	improve	VERB
easat-5950	250	4	service	service	NOUN
easat-5950	250	5	quality	quality	NOUN
easat-5950	250	6	and	and	CCONJ
easat-5950	250	7	boost	boost	VERB
easat-5950	250	8	the	the	DET
easat-5950	250	9	likelihood	likelihood	NOUN
easat-5950	250	10	of	of	ADP
easat-5950	250	11	business	business	NOUN
easat-5950	250	12	success	success	NOUN
easat-5950	250	13	.	.	PUNCT
easat-5950	251	1	mfis	mfis	PROPN
easat-5950	251	2	should	should	AUX
easat-5950	251	3	form	form	VERB
easat-5950	251	4	collaborations	collaboration	NOUN
easat-5950	251	5	with	with	ADP
easat-5950	251	6	other	other	ADJ
easat-5950	251	7	organizations	organization	NOUN
easat-5950	251	8	,	,	PUNCT
easat-5950	251	9	such	such	ADJ
easat-5950	251	10	as	as	ADP
easat-5950	251	11	nongovernmental	nongovernmental	ADJ
easat-5950	251	12	organizations	organization	NOUN
easat-5950	251	13	and	and	CCONJ
easat-5950	251	14	academic	academic	ADJ
easat-5950	251	15	institutions	institution	NOUN
easat-5950	251	16	,	,	PUNCT
easat-5950	251	17	in	in	ADP
easat-5950	251	18	order	order	NOUN
easat-5950	251	19	to	to	PART
easat-5950	251	20	provide	provide	VERB
easat-5950	251	21	a	a	DET
easat-5950	251	22	broader	broad	ADJ
easat-5950	251	23	range	range	NOUN
easat-5950	251	24	of	of	ADP
easat-5950	251	25	advisory	advisory	ADJ
easat-5950	251	26	and	and	CCONJ
easat-5950	251	27	training	training	NOUN
easat-5950	251	28	services	service	NOUN
easat-5950	251	29	.	.	PUNCT
easat-5950	252	1	the	the	DET
easat-5950	252	2	government	government	NOUN
easat-5950	252	3	should	should	AUX
easat-5950	252	4	establish	establish	VERB
easat-5950	252	5	a	a	DET
easat-5950	252	6	coordination	coordination	NOUN
easat-5950	252	7	platform	platform	NOUN
easat-5950	252	8	that	that	PRON
easat-5950	252	9	brings	bring	VERB
easat-5950	252	10	together	together	ADV
easat-5950	252	11	relevant	relevant	ADJ
easat-5950	252	12	government	government	NOUN
easat-5950	252	13	agencies	agency	NOUN
easat-5950	252	14	to	to	PART
easat-5950	252	15	discuss	discuss	VERB
easat-5950	252	16	and	and	CCONJ
easat-5950	252	17	coordinate	coordinate	VERB
easat-5950	252	18	policies	policy	NOUN
easat-5950	252	19	that	that	PRON
easat-5950	252	20	support	support	VERB
easat-5950	252	21	small	small	ADJ
easat-5950	252	22	businesses	business	NOUN
easat-5950	252	23	.	.	PUNCT
easat-5950	253	1	loan	loan	NOUN
easat-5950	253	2	and	and	CCONJ
easat-5950	253	3	subsidy	subsidy	NOUN
easat-5950	253	4	application	application	NOUN
easat-5950	253	5	procedures	procedure	NOUN
easat-5950	253	6	should	should	AUX
easat-5950	253	7	be	be	AUX
easat-5950	253	8	standardized	standardize	VERB
easat-5950	253	9	to	to	PART
easat-5950	253	10	make	make	VERB
easat-5950	253	11	it	it	PRON
easat-5950	253	12	easier	easy	ADJ
easat-5950	253	13	for	for	SCONJ
easat-5950	253	14	people	people	NOUN
easat-5950	253	15	and	and	CCONJ
easat-5950	253	16	small	small	ADJ
easat-5950	253	17	enterprises	enterprise	NOUN
easat-5950	253	18	to	to	PART
easat-5950	253	19	apply	apply	VERB
easat-5950	253	20	.	.	PUNCT
easat-5950	254	1	government	government	NOUN
easat-5950	254	2	entities	entity	NOUN
easat-5950	254	3	should	should	AUX
easat-5950	254	4	communicate	communicate	VERB
easat-5950	254	5	with	with	ADP
easat-5950	254	6	one	one	NUM
easat-5950	254	7	another	another	DET
easat-5950	254	8	on	on	ADP
easat-5950	254	9	a	a	DET
easat-5950	254	10	frequent	frequent	ADJ
easat-5950	254	11	basis	basis	NOUN
easat-5950	254	12	in	in	ADP
easat-5950	254	13	order	order	NOUN
easat-5950	254	14	to	to	PART
easat-5950	254	15	monitor	monitor	VERB
easat-5950	254	16	program	program	NOUN
easat-5950	254	17	implementation	implementation	NOUN
easat-5950	254	18	and	and	CCONJ
easat-5950	254	19	identify	identify	VERB
easat-5950	254	20	challenges	challenge	NOUN
easat-5950	254	21	.	.	PUNCT
easat-5950	255	1	to	to	PART
easat-5950	255	2	solve	solve	VERB
easat-5950	255	3	the	the	DET
easat-5950	255	4	issue	issue	NOUN
easat-5950	255	5	of	of	ADP
easat-5950	255	6	high	high	ADJ
easat-5950	255	7	interest	interest	NOUN
easat-5950	255	8	rates	rate	NOUN
easat-5950	255	9	,	,	PUNCT
easat-5950	255	10	the	the	DET
easat-5950	255	11	government	government	NOUN
easat-5950	255	12	might	might	AUX
easat-5950	255	13	subsidize	subsidize	VERB
easat-5950	255	14	interest	interest	NOUN
easat-5950	255	15	rates	rate	NOUN
easat-5950	255	16	on	on	ADP
easat-5950	255	17	specific	specific	ADJ
easat-5950	255	18	loans	loan	NOUN
easat-5950	255	19	,	,	PUNCT
easat-5950	255	20	making	make	VERB
easat-5950	255	21	them	they	PRON
easat-5950	255	22	more	more	ADV
easat-5950	255	23	accessible	accessible	ADJ
easat-5950	255	24	for	for	ADP
easat-5950	255	25	consumers	consumer	NOUN
easat-5950	255	26	and	and	CCONJ
easat-5950	255	27	small	small	ADJ
easat-5950	255	28	enterprises	enterprise	NOUN
easat-5950	255	29	.	.	PUNCT
easat-5950	256	1	in	in	ADP
easat-5950	256	2	kosovo	kosovo	PROPN
easat-5950	256	3	,	,	PUNCT
easat-5950	256	4	additional	additional	ADJ
easat-5950	256	5	effort	effort	NOUN
easat-5950	256	6	is	be	AUX
easat-5950	256	7	needed	need	VERB
easat-5950	256	8	to	to	PART
easat-5950	256	9	enhance	enhance	VERB
easat-5950	256	10	competition	competition	NOUN
easat-5950	256	11	;	;	PUNCT
easat-5950	256	12	consequently	consequently	ADV
easat-5950	256	13	,	,	PUNCT
easat-5950	256	14	competition	competition	NOUN
easat-5950	256	15	in	in	ADP
easat-5950	256	16	the	the	DET
easat-5950	256	17	microfinance	microfinance	NOUN
easat-5950	256	18	industry	industry	NOUN
easat-5950	256	19	should	should	AUX
easat-5950	256	20	be	be	AUX
easat-5950	256	21	encouraged	encourage	VERB
easat-5950	256	22	,	,	PUNCT
easat-5950	256	23	allowing	allow	VERB
easat-5950	256	24	new	new	ADJ
easat-5950	256	25	businesses	business	NOUN
easat-5950	256	26	to	to	PART
easat-5950	256	27	enter	enter	VERB
easat-5950	256	28	the	the	DET
easat-5950	256	29	market	market	NOUN
easat-5950	256	30	.	.	PUNCT
easat-5950	257	1	financial	financial	ADJ
easat-5950	257	2	technology	technology	NOUN
easat-5950	257	3	can	can	AUX
easat-5950	257	4	be	be	AUX
easat-5950	257	5	utilized	utilize	VERB
easat-5950	257	6	to	to	PART
easat-5950	257	7	minimize	minimize	VERB
easat-5950	257	8	transaction	transaction	NOUN
easat-5950	257	9	costs	cost	NOUN
easat-5950	257	10	and	and	CCONJ
easat-5950	257	11	increase	increase	VERB
easat-5950	257	12	the	the	DET
easat-5950	257	13	efficiency	efficiency	NOUN
easat-5950	257	14	of	of	ADP
easat-5950	257	15	mfis	mfis	NOUN
easat-5950	257	16	,	,	PUNCT
easat-5950	257	17	resulting	result	VERB
easat-5950	257	18	in	in	ADP
easat-5950	257	19	reduced	reduced	ADJ
easat-5950	257	20	interest	interest	NOUN
easat-5950	257	21	rates	rate	NOUN
easat-5950	257	22	.	.	PUNCT
easat-5950	258	1	implementing	implement	VERB
easat-5950	258	2	these	these	DET
easat-5950	258	3	recommendations	recommendation	NOUN
easat-5950	258	4	would	would	AUX
easat-5950	258	5	significantly	significantly	ADV
easat-5950	258	6	improve	improve	VERB
easat-5950	258	7	mfis	mfis	PROPN
easat-5950	258	8	'	'	PART
easat-5950	258	9	efficacy	efficacy	NOUN
easat-5950	258	10	of	of	ADP
easat-5950	258	11	creating	create	VERB
easat-5950	258	12	jobs	job	NOUN
easat-5950	258	13	in	in	ADP
easat-5950	258	14	kosovo	kosovo	PROPN
easat-5950	258	15	.	.	PUNCT
easat-5950	259	1	the	the	DET
easat-5950	259	2	success	success	NOUN
easat-5950	259	3	of	of	ADP
easat-5950	259	4	these	these	DET
easat-5950	259	5	ideas	idea	NOUN
easat-5950	259	6	is	be	AUX
easat-5950	259	7	dependent	dependent	ADJ
easat-5950	259	8	on	on	ADP
easat-5950	259	9	successful	successful	ADJ
easat-5950	259	10	cooperation	cooperation	NOUN
easat-5950	259	11	among	among	ADP
easat-5950	259	12	the	the	DET
easat-5950	259	13	government	government	NOUN
easat-5950	259	14	,	,	PUNCT
easat-5950	259	15	the	the	DET
easat-5950	259	16	private	private	ADJ
easat-5950	259	17	sector	sector	NOUN
easat-5950	259	18	,	,	PUNCT
easat-5950	259	19	and	and	CCONJ
easat-5950	259	20	international	international	ADJ
easat-5950	259	21	organizations	organization	NOUN
easat-5950	259	22	.	.	PUNCT
easat-5950	260	1	one	one	NUM
easat-5950	260	2	of	of	ADP
easat-5950	260	3	the	the	DET
easat-5950	260	4	constraints	constraint	NOUN
easat-5950	260	5	in	in	ADP
easat-5950	260	6	the	the	DET
easat-5950	260	7	establishment	establishment	NOUN
easat-5950	260	8	of	of	ADP
easat-5950	260	9	the	the	DET
easat-5950	260	10	present	present	ADJ
easat-5950	260	11	study	study	NOUN
easat-5950	260	12	is	be	AUX
easat-5950	260	13	a	a	DET
easat-5950	260	14	lack	lack	NOUN
easat-5950	260	15	of	of	ADP
easat-5950	260	16	funding	funding	NOUN
easat-5950	260	17	for	for	ADP
easat-5950	260	18	this	this	DET
easat-5950	260	19	research	research	NOUN
easat-5950	260	20	in	in	ADP
easat-5950	260	21	order	order	NOUN
easat-5950	260	22	to	to	PART
easat-5950	260	23	enlarge	enlarge	VERB
easat-5950	260	24	the	the	DET
easat-5950	260	25	sample	sample	NOUN
easat-5950	260	26	size	size	NOUN
easat-5950	260	27	,	,	PUNCT
easat-5950	260	28	considering	consider	VERB
easat-5950	260	29	the	the	DET
easat-5950	260	30	fact	fact	NOUN
easat-5950	260	31	that	that	SCONJ
easat-5950	260	32	the	the	DET
easat-5950	260	33	most	most	ADV
easat-5950	260	34	comprehensive	comprehensive	ADJ
easat-5950	260	35	sample	sample	NOUN
easat-5950	260	36	in	in	ADP
easat-5950	260	37	the	the	DET
easat-5950	260	38	research	research	NOUN
easat-5950	260	39	will	will	AUX
easat-5950	260	40	produce	produce	VERB
easat-5950	260	41	the	the	DET
easat-5950	260	42	most	most	ADV
easat-5950	260	43	representative	representative	ADJ
easat-5950	260	44	data	datum	NOUN
easat-5950	260	45	.	.	PUNCT
easat-5950	261	1	we	we	PRON
easat-5950	261	2	also	also	ADV
easat-5950	261	3	urge	urge	VERB
easat-5950	261	4	that	that	SCONJ
easat-5950	261	5	future	future	ADJ
easat-5950	261	6	studies	study	NOUN
easat-5950	261	7	consider	consider	VERB
easat-5950	261	8	the	the	DET
easat-5950	261	9	findings	finding	NOUN
easat-5950	261	10	of	of	ADP
easat-5950	261	11	this	this	DET
easat-5950	261	12	study	study	NOUN
easat-5950	261	13	on	on	ADP
easat-5950	261	14	job	job	NOUN
easat-5950	261	15	creation	creation	NOUN
easat-5950	261	16	by	by	ADP
easat-5950	261	17	doing	do	VERB
easat-5950	261	18	comparison	comparison	NOUN
easat-5950	261	19	analyses	analysis	NOUN
easat-5950	261	20	across	across	ADP
easat-5950	261	21	years	year	NOUN
easat-5950	261	22	to	to	PART
easat-5950	261	23	minimize	minimize	VERB
easat-5950	261	24	gaps	gap	NOUN
easat-5950	261	25	in	in	ADP
easat-5950	261	26	the	the	DET
easat-5950	261	27	study	study	NOUN
easat-5950	261	28	of	of	ADP
easat-5950	261	29	key	key	ADJ
easat-5950	261	30	indicators	indicator	NOUN
easat-5950	261	31	of	of	ADP
easat-5950	261	32	job	job	NOUN
easat-5950	261	33	creation	creation	NOUN
easat-5950	261	34	through	through	ADP
easat-5950	261	35	mfi	mfi	PROPN
easat-5950	261	36	efficacy	efficacy	NOUN
easat-5950	261	37	.	.	PUNCT
easat-5950	262	1	the	the	DET
easat-5950	262	2	study	study	NOUN
easat-5950	262	3	's	's	PART
easat-5950	262	4	findings	finding	NOUN
easat-5950	262	5	will	will	AUX
easat-5950	262	6	have	have	VERB
easat-5950	262	7	a	a	DET
easat-5950	262	8	favorable	favorable	ADJ
easat-5950	262	9	impact	impact	NOUN
easat-5950	262	10	on	on	ADP
easat-5950	262	11	improving	improve	VERB
easat-5950	262	12	the	the	DET
easat-5950	262	13	effectiveness	effectiveness	NOUN
easat-5950	262	14	of	of	ADP
easat-5950	262	15	mfis	mfis	NOUN
easat-5950	262	16	,	,	PUNCT
easat-5950	262	17	particularly	particularly	ADV
easat-5950	262	18	in	in	ADP
easat-5950	262	19	terms	term	NOUN
easat-5950	262	20	of	of	ADP
easat-5950	262	21	job	job	NOUN
easat-5950	262	22	creation	creation	NOUN
easat-5950	262	23	in	in	ADP
easat-5950	262	24	kosovo	kosovo	PROPN
easat-5950	262	25	.	.	PUNCT
easat-5950	263	1	155	155	NUM
easat-5950	263	2	edelweiss	edelweiss	PROPN
easat-5950	263	3	applied	apply	VERB
easat-5950	263	4	science	science	NOUN
easat-5950	263	5	and	and	CCONJ
easat-5950	263	6	technology	technology	NOUN
easat-5950	263	7	issn	issn	PROPN
easat-5950	263	8	:	:	PUNCT
easat-5950	263	9	2576	2576	NUM
easat-5950	263	10	-	-	SYM
easat-5950	263	11	8484	8484	NUM
easat-5950	263	12	vol	vol	NOUN
easat-5950	263	13	.	.	PROPN
easat-5950	264	1	9	9	NUM
easat-5950	264	2	,	,	PUNCT
easat-5950	264	3	no	no	INTJ
easat-5950	264	4	.	.	NOUN
easat-5950	265	1	4	4	NUM
easat-5950	265	2	:	:	SYM
easat-5950	265	3	146	146	NUM
easat-5950	265	4	-	-	SYM
easat-5950	265	5	156	156	NUM
easat-5950	265	6	,	,	PUNCT
easat-5950	265	7	2025	2025	NUM
easat-5950	265	8	doi	doi	NOUN
easat-5950	265	9	:	:	PUNCT
easat-5950	265	10	10.55214/25768484.v9i4.5950	10.55214/25768484.v9i4.5950	NUM
easat-5950	265	11	©	©	PROPN
easat-5950	265	12	2025	2025	NUM
easat-5950	265	13	by	by	ADP
easat-5950	265	14	the	the	DET
easat-5950	265	15	authors	author	NOUN
easat-5950	265	16	;	;	PUNCT
easat-5950	265	17	licensee	licensee	PROPN
easat-5950	265	18	learning	learn	VERB
easat-5950	265	19	gate	gate	NOUN
easat-5950	265	20	transparency	transparency	NOUN
easat-5950	265	21	:	:	PUNCT
easat-5950	265	22	the	the	DET
easat-5950	265	23	authors	author	NOUN
easat-5950	265	24	confirm	confirm	VERB
easat-5950	265	25	that	that	SCONJ
easat-5950	265	26	the	the	DET
easat-5950	265	27	manuscript	manuscript	NOUN
easat-5950	265	28	is	be	AUX
easat-5950	265	29	an	an	DET
easat-5950	265	30	honest	honest	ADJ
easat-5950	265	31	,	,	PUNCT
easat-5950	265	32	accurate	accurate	ADJ
easat-5950	265	33	,	,	PUNCT
easat-5950	265	34	and	and	CCONJ
easat-5950	265	35	transparent	transparent	ADJ
easat-5950	265	36	account	account	NOUN
easat-5950	265	37	of	of	ADP
easat-5950	265	38	the	the	DET
easat-5950	265	39	study	study	NOUN
easat-5950	265	40	;	;	PUNCT
easat-5950	265	41	that	that	SCONJ
easat-5950	265	42	no	no	DET
easat-5950	265	43	vital	vital	ADJ
easat-5950	265	44	features	feature	NOUN
easat-5950	265	45	of	of	ADP
easat-5950	265	46	the	the	DET
easat-5950	265	47	study	study	NOUN
easat-5950	265	48	have	have	AUX
easat-5950	265	49	been	be	AUX
easat-5950	265	50	omitted	omit	VERB
easat-5950	265	51	;	;	PUNCT
easat-5950	265	52	and	and	CCONJ
easat-5950	265	53	that	that	SCONJ
easat-5950	265	54	any	any	DET
easat-5950	265	55	discrepancies	discrepancy	NOUN
easat-5950	265	56	from	from	ADP
easat-5950	265	57	the	the	DET
easat-5950	265	58	study	study	NOUN
easat-5950	265	59	as	as	SCONJ
easat-5950	265	60	planned	plan	VERB
easat-5950	265	61	have	have	AUX
easat-5950	265	62	been	be	AUX
easat-5950	265	63	explained	explain	VERB
easat-5950	265	64	.	.	PUNCT
easat-5950	266	1	this	this	DET
easat-5950	266	2	study	study	NOUN
easat-5950	266	3	followed	follow	VERB
easat-5950	266	4	all	all	DET
easat-5950	266	5	ethical	ethical	ADJ
easat-5950	266	6	practices	practice	NOUN
easat-5950	266	7	during	during	ADP
easat-5950	266	8	writing	writing	NOUN
easat-5950	266	9	.	.	PUNCT
easat-5950	267	1	acknowledgments	acknowledgment	NOUN
easat-5950	267	2	:	:	PUNCT
easat-5950	267	3	we	we	PRON
easat-5950	267	4	would	would	AUX
easat-5950	267	5	like	like	VERB
easat-5950	267	6	to	to	PART
easat-5950	267	7	thank	thank	VERB
easat-5950	267	8	all	all	DET
easat-5950	267	9	the	the	DET
easat-5950	267	10	people	people	NOUN
easat-5950	267	11	who	who	PRON
easat-5950	267	12	contributed	contribute	VERB
easat-5950	267	13	to	to	ADP
easat-5950	267	14	the	the	DET
easat-5950	267	15	production	production	NOUN
easat-5950	267	16	of	of	ADP
easat-5950	267	17	this	this	DET
easat-5950	267	18	article	article	NOUN
easat-5950	267	19	,	,	PUNCT
easat-5950	267	20	especially	especially	ADV
easat-5950	267	21	the	the	DET
easat-5950	267	22	interviewees	interviewee	NOUN
easat-5950	267	23	who	who	PRON
easat-5950	267	24	provided	provide	VERB
easat-5950	267	25	information	information	NOUN
easat-5950	267	26	without	without	ADP
easat-5950	267	27	hesitation	hesitation	NOUN
easat-5950	267	28	during	during	ADP
easat-5950	267	29	the	the	DET
easat-5950	267	30	interview	interview	NOUN
easat-5950	267	31	.	.	PUNCT
easat-5950	268	1	copyright	copyright	NOUN
easat-5950	268	2	:	:	PUNCT
easat-5950	268	3	©	©	PROPN
easat-5950	268	4	2025	2025	NUM
easat-5950	268	5	by	by	ADP
easat-5950	268	6	the	the	DET
easat-5950	268	7	authors	author	NOUN
easat-5950	268	8	.	.	PUNCT
easat-5950	269	1	this	this	DET
easat-5950	269	2	open	open	ADJ
easat-5950	269	3	-	-	PUNCT
easat-5950	269	4	access	access	NOUN
easat-5950	269	5	article	article	NOUN
easat-5950	269	6	is	be	AUX
easat-5950	269	7	distributed	distribute	VERB
easat-5950	269	8	under	under	ADP
easat-5950	269	9	the	the	DET
easat-5950	269	10	terms	term	NOUN
easat-5950	269	11	and	and	CCONJ
easat-5950	269	12	conditions	condition	NOUN
easat-5950	269	13	of	of	ADP
easat-5950	269	14	the	the	DET
easat-5950	269	15	creative	creative	ADJ
easat-5950	269	16	commons	common	NOUN
easat-5950	269	17	attribution	attribution	NOUN
easat-5950	269	18	(	(	PUNCT
easat-5950	269	19	cc	cc	NOUN
easat-5950	269	20	by	by	ADP
easat-5950	269	21	)	)	PUNCT
easat-5950	269	22	license	license	NOUN
easat-5950	269	23	(	(	PUNCT
easat-5950	269	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-5950	269	25	)	)	PUNCT
easat-5950	269	26	.	.	PUNCT
easat-5950	270	1	references	reference	NOUN
easat-5950	270	2	[	[	X
easat-5950	270	3	1	1	NUM
easat-5950	270	4	]	]	X
easat-5950	270	5	b.	b.	PROPN
easat-5950	270	6	bellaqa	bellaqa	PROPN
easat-5950	270	7	,	,	PUNCT
easat-5950	270	8	q.	q.	NOUN
easat-5950	270	9	tmava	tmava	NOUN
easat-5950	270	10	,	,	PUNCT
easat-5950	270	11	and	and	CCONJ
easat-5950	270	12	a.	a.	NOUN
easat-5950	270	13	krasniqi	krasniqi	NOUN
easat-5950	270	14	,	,	PUNCT
easat-5950	270	15	"	"	PUNCT
easat-5950	270	16	comparison	comparison	NOUN
easat-5950	270	17	of	of	ADP
easat-5950	270	18	the	the	DET
easat-5950	270	19	labor	labor	NOUN
easat-5950	270	20	market	market	NOUN
easat-5950	270	21	between	between	ADP
easat-5950	270	22	the	the	DET
easat-5950	270	23	countries	country	NOUN
easat-5950	270	24	of	of	ADP
easat-5950	270	25	the	the	DET
easat-5950	270	26	western	western	ADJ
easat-5950	270	27	balkans	balkans	PROPN
easat-5950	270	28	"	"	PUNCT
easat-5950	270	29	corporate	corporate	ADJ
easat-5950	270	30	governance	governance	NOUN
easat-5950	270	31	and	and	CCONJ
easat-5950	270	32	organizational	organizational	ADJ
easat-5950	270	33	behavior	behavior	NOUN
easat-5950	270	34	review	review	NOUN
easat-5950	270	35	,	,	PUNCT
easat-5950	270	36	vol	vol	NOUN
easat-5950	270	37	.	.	PROPN
easat-5950	270	38	5	5	NUM
easat-5950	270	39	,	,	PUNCT
easat-5950	270	40	no	no	INTJ
easat-5950	270	41	.	.	NOUN
easat-5950	270	42	2	2	NUM
easat-5950	270	43	,	,	PUNCT
easat-5950	270	44	pp	pp	ADJ
easat-5950	270	45	.	.	PUNCT
easat-5950	271	1	135–144	135–144	NUM
easat-5950	271	2	,	,	PUNCT
easat-5950	271	3	2021	2021	NUM
easat-5950	271	4	.	.	PUNCT
easat-5950	272	1	https://doi.org/10.22495/cgobrv5i2sip2	https://doi.org/10.22495/cgobrv5i2sip2	PRON
easat-5950	273	1	[	[	X
easat-5950	273	2	2	2	NUM
easat-5950	273	3	]	]	PUNCT
easat-5950	273	4	american	american	PROPN
easat-5950	273	5	chamber	chamber	PROPN
easat-5950	273	6	of	of	ADP
easat-5950	273	7	commerce	commerce	PROPN
easat-5950	273	8	in	in	ADP
easat-5950	273	9	kosovo	kosovo	PROPN
easat-5950	273	10	,	,	PUNCT
easat-5950	273	11	thematic	thematic	ADJ
easat-5950	273	12	analysis	analysis	NOUN
easat-5950	273	13	,	,	PUNCT
easat-5950	273	14	microfinance	microfinance	NOUN
easat-5950	273	15	institutions	institution	NOUN
easat-5950	273	16	in	in	ADP
easat-5950	273	17	kosovo	kosovo	PROPN
easat-5950	273	18	.	.	PUNCT
easat-5950	274	1	kosovo	kosovo	PROPN
easat-5950	274	2	:	:	PUNCT
easat-5950	275	1	american	american	PROPN
easat-5950	275	2	chamber	chamber	PROPN
easat-5950	275	3	of	of	ADP
easat-5950	275	4	commerce	commerce	PROPN
easat-5950	275	5	in	in	ADP
easat-5950	275	6	kosovo	kosovo	PROPN
easat-5950	275	7	,	,	PUNCT
easat-5950	275	8	2022	2022	NUM
easat-5950	275	9	.	.	PUNCT
easat-5950	276	1	[	[	X
easat-5950	276	2	3	3	X
easat-5950	276	3	]	]	X
easat-5950	276	4	international	international	ADJ
easat-5950	276	5	monetary	monetary	ADJ
easat-5950	276	6	fund	fund	NOUN
easat-5950	276	7	,	,	PUNCT
easat-5950	276	8	financial	financial	ADJ
easat-5950	276	9	sector	sector	NOUN
easat-5950	276	10	stability	stability	NOUN
easat-5950	276	11	review	review	NOUN
easat-5950	276	12	(	(	PUNCT
easat-5950	276	13	main	main	ADJ
easat-5950	276	14	report	report	NOUN
easat-5950	276	15	)	)	PUNCT
easat-5950	276	16	.	.	PUNCT
easat-5950	277	1	pristina	pristina	PROPN
easat-5950	277	2	,	,	PUNCT
easat-5950	277	3	kosovo	kosovo	PROPN
easat-5950	277	4	:	:	PUNCT
easat-5950	277	5	international	international	ADJ
easat-5950	277	6	monetary	monetary	ADJ
easat-5950	277	7	fund	fund	NOUN
easat-5950	277	8	,	,	PUNCT
easat-5950	277	9	2019	2019	NUM
easat-5950	277	10	.	.	PUNCT
easat-5950	278	1	[	[	X
easat-5950	278	2	4	4	NUM
easat-5950	278	3	]	]	X
easat-5950	278	4	i.	i.	NOUN
easat-5950	278	5	garcía	garcía	NOUN
easat-5950	278	6	-	-	PUNCT
easat-5950	278	7	pérez	pérez	NOUN
easat-5950	278	8	,	,	PUNCT
easat-5950	278	9	m.	m.	NOUN
easat-5950	278	10	á	á	PROPN
easat-5950	278	11	.	.	PUNCT
easat-5950	278	12	fernández	fernández	PROPN
easat-5950	278	13	-	-	PUNCT
easat-5950	278	14	izquierdo	izquierdo	PROPN
easat-5950	278	15	,	,	PUNCT
easat-5950	278	16	and	and	CCONJ
easat-5950	278	17	m.	m.	PROPN
easat-5950	278	18	j.	j.	PROPN
easat-5950	278	19	muñoz	muñoz	PROPN
easat-5950	278	20	-	-	PUNCT
easat-5950	278	21	torres	torres	PROPN
easat-5950	278	22	,	,	PUNCT
easat-5950	278	23	"	"	PUNCT
easat-5950	278	24	microfinance	microfinance	NOUN
easat-5950	278	25	institutions	institution	NOUN
easat-5950	278	26	fostering	foster	VERB
easat-5950	278	27	sustainable	sustainable	ADJ
easat-5950	278	28	development	development	NOUN
easat-5950	278	29	by	by	ADP
easat-5950	278	30	region	region	NOUN
easat-5950	278	31	,	,	PUNCT
easat-5950	278	32	"	"	PUNCT
easat-5950	278	33	sustainability	sustainability	NOUN
easat-5950	278	34	,	,	PUNCT
easat-5950	278	35	vol	vol	NOUN
easat-5950	278	36	.	.	PROPN
easat-5950	278	37	12	12	NUM
easat-5950	278	38	,	,	PUNCT
easat-5950	278	39	no	no	INTJ
easat-5950	278	40	.	.	NOUN
easat-5950	278	41	7	7	NUM
easat-5950	278	42	,	,	PUNCT
easat-5950	278	43	p.	p.	NOUN
easat-5950	278	44	2682	2682	NUM
easat-5950	278	45	,	,	PUNCT
easat-5950	278	46	2020	2020	NUM
easat-5950	278	47	.	.	PUNCT
easat-5950	279	1	https://doi.org/10.3390/su12072682	https://doi.org/10.3390/su12072682	X
easat-5950	280	1	[	[	X
easat-5950	280	2	5	5	X
easat-5950	280	3	]	]	PUNCT
easat-5950	280	4	s.	s.	PROPN
easat-5950	280	5	ghimire	ghimire	PROPN
easat-5950	280	6	,	,	PUNCT
easat-5950	280	7	b.	b.	PROPN
easat-5950	280	8	singh	singh	PROPN
easat-5950	280	9	,	,	PUNCT
easat-5950	280	10	and	and	CCONJ
easat-5950	280	11	z.	z.	PROPN
easat-5950	280	12	rong	rong	PROPN
easat-5950	280	13	,	,	PUNCT
easat-5950	280	14	"	"	PUNCT
easat-5950	280	15	microfinance	microfinance	NOUN
easat-5950	280	16	for	for	ADP
easat-5950	280	17	change	change	NOUN
easat-5950	280	18	:	:	PUNCT
easat-5950	280	19	how	how	SCONJ
easat-5950	280	20	financial	financial	ADJ
easat-5950	280	21	innovation	innovation	NOUN
easat-5950	280	22	enables	enable	VERB
easat-5950	280	23	structural	structural	ADJ
easat-5950	280	24	transformation	transformation	NOUN
easat-5950	280	25	,	,	PUNCT
easat-5950	280	26	"	"	PUNCT
easat-5950	280	27	financial	financial	ADJ
easat-5950	280	28	innovation	innovation	NOUN
easat-5950	280	29	,	,	PUNCT
easat-5950	280	30	vol	vol	NOUN
easat-5950	280	31	.	.	PROPN
easat-5950	281	1	11	11	NUM
easat-5950	281	2	,	,	PUNCT
easat-5950	281	3	no	no	INTJ
easat-5950	281	4	.	.	NOUN
easat-5950	281	5	60	60	NUM
easat-5950	281	6	,	,	PUNCT
easat-5950	281	7	pp	pp	ADJ
easat-5950	281	8	.	.	PUNCT
easat-5950	282	1	1–20	1–20	NUM
easat-5950	282	2	,	,	PUNCT
easat-5950	282	3	2025	2025	NUM
easat-5950	282	4	.	.	PUNCT
easat-5950	283	1	https://doi.org/10.1186/s40854-024-00738-9	https://doi.org/10.1186/s40854-024-00738-9	NUM
easat-5950	284	1	[	[	X
easat-5950	284	2	6	6	NUM
easat-5950	284	3	]	]	PUNCT
easat-5950	284	4	b.	b.	PROPN
easat-5950	284	5	bellaqa	bellaqa	PROPN
easat-5950	284	6	,	,	PUNCT
easat-5950	284	7	x.	x.	NOUN
easat-5950	284	8	shala	shala	PROPN
easat-5950	284	9	,	,	PUNCT
easat-5950	284	10	and	and	CCONJ
easat-5950	284	11	j.	j.	PROPN
easat-5950	284	12	bellaqa	bellaqa	PROPN
easat-5950	284	13	,	,	PUNCT
easat-5950	284	14	"	"	PUNCT
easat-5950	284	15	macroeconomic	macroeconomic	ADJ
easat-5950	284	16	policies	policy	NOUN
easat-5950	284	17	and	and	CCONJ
easat-5950	284	18	the	the	DET
easat-5950	284	19	impact	impact	NOUN
easat-5950	284	20	of	of	ADP
easat-5950	284	21	foreign	foreign	ADJ
easat-5950	284	22	direct	direct	ADJ
easat-5950	284	23	investment	investment	NOUN
easat-5950	284	24	and	and	CCONJ
easat-5950	284	25	remittances	remittance	NOUN
easat-5950	284	26	on	on	ADP
easat-5950	284	27	exports	export	NOUN
easat-5950	284	28	—	—	PUNCT
easat-5950	284	29	republic	republic	NOUN
easat-5950	284	30	of	of	ADP
easat-5950	284	31	kosovo	kosovo	PROPN
easat-5950	284	32	case	case	PROPN
easat-5950	284	33	study	study	NOUN
easat-5950	284	34	,	,	PUNCT
easat-5950	284	35	"	"	PUNCT
easat-5950	284	36	journal	journal	NOUN
easat-5950	284	37	of	of	ADP
easat-5950	284	38	global	global	ADJ
easat-5950	284	39	business	business	NOUN
easat-5950	284	40	and	and	CCONJ
easat-5950	284	41	technology	technology	NOUN
easat-5950	284	42	,	,	PUNCT
easat-5950	284	43	vol	vol	NOUN
easat-5950	284	44	.	.	PROPN
easat-5950	284	45	19	19	NUM
easat-5950	284	46	,	,	PUNCT
easat-5950	284	47	no	no	INTJ
easat-5950	284	48	.	.	NOUN
easat-5950	284	49	1	1	NUM
easat-5950	284	50	,	,	PUNCT
easat-5950	284	51	pp	pp	ADJ
easat-5950	284	52	.	.	PUNCT
easat-5950	285	1	96–116	96–116	NUM
easat-5950	285	2	,	,	PUNCT
easat-5950	285	3	2023	2023	NUM
easat-5950	285	4	.	.	PUNCT
easat-5950	286	1	[	[	X
easat-5950	286	2	7	7	X
easat-5950	286	3	]	]	X
easat-5950	286	4	official	official	ADJ
easat-5950	286	5	gazette	gazette	NOUN
easat-5950	286	6	of	of	ADP
easat-5950	286	7	the	the	DET
easat-5950	286	8	republic	republic	NOUN
easat-5950	286	9	of	of	ADP
easat-5950	286	10	kosovo	kosovo	PROPN
easat-5950	286	11	,	,	PUNCT
easat-5950	286	12	law	law	NOUN
easat-5950	286	13	no	no	NOUN
easat-5950	286	14	.	.	NOUN
easat-5950	286	15	04	04	NUM
easat-5950	286	16	/	/	SYM
easat-5950	286	17	l-093	l-093	ADJ
easat-5950	286	18	on	on	ADP
easat-5950	286	19	banks	bank	NOUN
easat-5950	286	20	,	,	PUNCT
easat-5950	286	21	microfinance	microfinance	NOUN
easat-5950	286	22	institutions	institution	NOUN
easat-5950	286	23	and	and	CCONJ
easat-5950	286	24	non	non	ADJ
easat-5950	286	25	-	-	ADJ
easat-5950	286	26	banking	banking	ADJ
easat-5950	286	27	financial	financial	ADJ
easat-5950	286	28	institutions	institution	NOUN
easat-5950	286	29	.	.	PUNCT
easat-5950	287	1	kosovo	kosovo	PROPN
easat-5950	287	2	:	:	PUNCT
easat-5950	287	3	official	official	ADJ
easat-5950	287	4	gazette	gazette	NOUN
easat-5950	287	5	of	of	ADP
easat-5950	287	6	the	the	DET
easat-5950	287	7	republic	republic	NOUN
easat-5950	287	8	of	of	ADP
easat-5950	287	9	kosovo	kosovo	PROPN
easat-5950	287	10	,	,	PUNCT
easat-5950	287	11	2012	2012	NUM
easat-5950	287	12	.	.	PUNCT
easat-5950	288	1	[	[	X
easat-5950	288	2	8	8	NUM
easat-5950	288	3	]	]	PUNCT
easat-5950	288	4	amik	amik	NOUN
easat-5950	288	5	,	,	PUNCT
easat-5950	288	6	"	"	PUNCT
easat-5950	288	7	information	information	NOUN
easat-5950	288	8	for	for	ADP
easat-5950	288	9	the	the	DET
easat-5950	288	10	sector	sector	NOUN
easat-5950	288	11	,	,	PUNCT
easat-5950	288	12	"	"	PUNCT
easat-5950	288	13	retrieved	retrieve	VERB
easat-5950	288	14	:	:	PUNCT
easat-5950	288	15	https://amik.org/informata-per-sektorin--detaje?detailsid=289&item=informata-per-sektorin,-tetor-2023	https://amik.org/informata-per-sektorin--detaje?detailsid=289&item=informata-per-sektorin,-tetor-2023	NUM
easat-5950	288	16	,	,	PUNCT
easat-5950	288	17	2023	2023	NUM
easat-5950	288	18	.	.	PUNCT
easat-5950	289	1	[	[	X
easat-5950	289	2	9	9	NUM
easat-5950	289	3	]	]	PUNCT
easat-5950	289	4	m.	m.	NOUN
easat-5950	289	5	yunus	yunus	PROPN
easat-5950	289	6	,	,	PUNCT
easat-5950	289	7	banker	banker	NOUN
easat-5950	289	8	to	to	ADP
easat-5950	289	9	the	the	DET
easat-5950	289	10	poor	poor	ADJ
easat-5950	289	11	:	:	PUNCT
easat-5950	289	12	micro	micro	ADJ
easat-5950	289	13	-	-	NOUN
easat-5950	289	14	lending	lending	NOUN
easat-5950	289	15	and	and	CCONJ
easat-5950	289	16	the	the	DET
easat-5950	289	17	battle	battle	NOUN
easat-5950	289	18	against	against	ADP
easat-5950	289	19	world	world	NOUN
easat-5950	289	20	poverty	poverty	NOUN
easat-5950	289	21	.	.	PUNCT
easat-5950	290	1	usa	usa	PROPN
easat-5950	290	2	:	:	PUNCT
easat-5950	290	3	publicaffairs	publicaffair	NOUN
easat-5950	290	4	,	,	PUNCT
easat-5950	290	5	2008	2008	NUM
easat-5950	290	6	.	.	PUNCT
easat-5950	291	1	[	[	X
easat-5950	291	2	10	10	NUM
easat-5950	291	3	]	]	X
easat-5950	291	4	central	central	ADJ
easat-5950	291	5	bank	bank	PROPN
easat-5950	291	6	of	of	ADP
easat-5950	291	7	kosovo	kosovo	PROPN
easat-5950	291	8	(	(	PUNCT
easat-5950	291	9	cbk	cbk	PROPN
easat-5950	291	10	)	)	PUNCT
easat-5950	291	11	,	,	PUNCT
easat-5950	291	12	monthly	monthly	ADJ
easat-5950	291	13	statistical	statistical	ADJ
easat-5950	291	14	bulletin	bulletin	NOUN
easat-5950	291	15	.	.	PUNCT
easat-5950	292	1	pristina	pristina	PROPN
easat-5950	292	2	,	,	PUNCT
easat-5950	292	3	kosovo	kosovo	PROPN
easat-5950	292	4	:	:	PUNCT
easat-5950	292	5	central	central	ADJ
easat-5950	292	6	bank	bank	PROPN
easat-5950	292	7	of	of	ADP
easat-5950	292	8	kosovo	kosovo	PROPN
easat-5950	292	9	(	(	PUNCT
easat-5950	292	10	cbk	cbk	PROPN
easat-5950	292	11	)	)	PUNCT
easat-5950	292	12	,	,	PUNCT
easat-5950	292	13	2023	2023	NUM
easat-5950	292	14	.	.	PUNCT
easat-5950	293	1	[	[	X
easat-5950	293	2	11	11	NUM
easat-5950	293	3	]	]	X
easat-5950	293	4	international	international	ADJ
easat-5950	293	5	labour	labour	PROPN
easat-5950	293	6	office	office	NOUN
easat-5950	293	7	,	,	PUNCT
easat-5950	293	8	global	global	ADJ
easat-5950	293	9	employment	employment	NOUN
easat-5950	293	10	trends	trend	NOUN
easat-5950	293	11	2014	2014	NUM
easat-5950	293	12	:	:	PUNCT
easat-5950	293	13	risk	risk	NOUN
easat-5950	293	14	of	of	ADP
easat-5950	293	15	a	a	DET
easat-5950	293	16	jobless	jobless	ADJ
easat-5950	293	17	recovery	recovery	NOUN
easat-5950	293	18	?	?	PUNCT
easat-5950	294	1	(	(	PUNCT
easat-5950	294	2	isbn	isbn	ADJ
easat-5950	294	3	:	:	PUNCT
easat-5950	294	4	978	978	NUM
easat-5950	294	5	-	-	SYM
easat-5950	294	6	92	92	NUM
easat-5950	294	7	-	-	PUNCT
easat-5950	294	8	2	2	NUM
easat-5950	294	9	-	-	PUNCT
easat-5950	294	10	127485	127485	NUM
easat-5950	294	11	-	-	PUNCT
easat-5950	294	12	8)	8)	NUM
easat-5950	294	13	.	.	PUNCT
easat-5950	295	1	geneva	geneva	PROPN
easat-5950	295	2	:	:	PUNCT
easat-5950	295	3	international	international	ADJ
easat-5950	295	4	labour	labour	PROPN
easat-5950	295	5	office	office	NOUN
easat-5950	295	6	,	,	PUNCT
easat-5950	295	7	2014	2014	NUM
easat-5950	295	8	.	.	PUNCT
easat-5950	296	1	[	[	X
easat-5950	296	2	12	12	NUM
easat-5950	296	3	]	]	X
easat-5950	296	4	d.	d.	PROPN
easat-5950	296	5	collins	collins	PROPN
easat-5950	296	6	,	,	PUNCT
easat-5950	296	7	j.	j.	PROPN
easat-5950	296	8	morduch	morduch	PROPN
easat-5950	296	9	,	,	PUNCT
easat-5950	296	10	s.	s.	PROPN
easat-5950	296	11	rutherford	rutherford	PROPN
easat-5950	296	12	,	,	PUNCT
easat-5950	296	13	and	and	CCONJ
easat-5950	296	14	o.	o.	PROPN
easat-5950	296	15	ruthven	ruthven	PROPN
easat-5950	296	16	,	,	PUNCT
easat-5950	296	17	portfolios	portfolio	NOUN
easat-5950	296	18	of	of	ADP
easat-5950	296	19	the	the	DET
easat-5950	296	20	poor	poor	ADJ
easat-5950	296	21	:	:	PUNCT
easat-5950	296	22	how	how	SCONJ
easat-5950	296	23	the	the	DET
easat-5950	296	24	world	world	NOUN
easat-5950	296	25	’s	’s	PART
easat-5950	296	26	poor	poor	ADJ
easat-5950	296	27	live	live	ADV
easat-5950	296	28	on	on	ADP
easat-5950	296	29	$	$	SYM
easat-5950	296	30	2	2	NUM
easat-5950	296	31	a	a	DET
easat-5950	296	32	day	day	NOUN
easat-5950	296	33	.	.	PUNCT
easat-5950	297	1	united	united	PROPN
easat-5950	297	2	states	states	PROPN
easat-5950	297	3	:	:	PUNCT
easat-5950	297	4	researchgate	researchgate	NOUN
easat-5950	297	5	,	,	PUNCT
easat-5950	297	6	2009	2009	NUM
easat-5950	297	7	.	.	PUNCT
easat-5950	298	1	[	[	X
easat-5950	298	2	13	13	NUM
easat-5950	298	3	]	]	PUNCT
easat-5950	298	4	wanchoo	wanchoo	PROPN
easat-5950	298	5	,	,	PUNCT
easat-5950	298	6	"	"	PUNCT
easat-5950	298	7	the	the	DET
easat-5950	298	8	concept	concept	NOUN
easat-5950	298	9	of	of	ADP
easat-5950	298	10	microfinance	microfinance	NOUN
easat-5950	298	11	,	,	PUNCT
easat-5950	298	12	"	"	PUNCT
easat-5950	298	13	retrieved	retrieve	VERB
easat-5950	298	14	:	:	PUNCT
easat-5950	298	15	https://www.ukessays.ae/essays/economics/the-concept-ofmicrofinance-economics-ess	https://www.ukessays.ae/essays/economics/the-concept-ofmicrofinance-economics-ess	NUM
easat-5950	298	16	,	,	PUNCT
easat-5950	298	17	2007	2007	NUM
easat-5950	298	18	.	.	PUNCT
easat-5950	299	1	[	[	X
easat-5950	299	2	14	14	NUM
easat-5950	299	3	]	]	X
easat-5950	299	4	s.	s.	PROPN
easat-5950	299	5	bakhtiari	bakhtiari	PROPN
easat-5950	299	6	,	,	PUNCT
easat-5950	299	7	"	"	PUNCT
easat-5950	299	8	microfinance	microfinance	NOUN
easat-5950	299	9	and	and	CCONJ
easat-5950	299	10	poverty	poverty	NOUN
easat-5950	299	11	reduction	reduction	NOUN
easat-5950	299	12	:	:	PUNCT
easat-5950	299	13	some	some	DET
easat-5950	299	14	international	international	ADJ
easat-5950	299	15	evidence	evidence	NOUN
easat-5950	299	16	,	,	PUNCT
easat-5950	299	17	"	"	PUNCT
easat-5950	299	18	international	international	ADJ
easat-5950	299	19	business	business	PROPN
easat-5950	299	20	&	&	CCONJ
easat-5950	299	21	economics	economics	PROPN
easat-5950	299	22	research	research	PROPN
easat-5950	299	23	journal	journal	PROPN
easat-5950	299	24	,	,	PUNCT
easat-5950	299	25	vol	vol	NOUN
easat-5950	299	26	.	.	PROPN
easat-5950	299	27	5	5	NUM
easat-5950	299	28	,	,	PUNCT
easat-5950	299	29	no	no	INTJ
easat-5950	299	30	.	.	NOUN
easat-5950	299	31	12	12	NUM
easat-5950	299	32	,	,	PUNCT
easat-5950	299	33	pp	pp	ADJ
easat-5950	299	34	.	.	PUNCT
easat-5950	300	1	45–58	45–58	NUM
easat-5950	300	2	,	,	PUNCT
easat-5950	300	3	2011	2011	NUM
easat-5950	300	4	.	.	PUNCT
easat-5950	301	1	https://doi.org/10.19030/iber.v5i12.3550	https://doi.org/10.19030/iber.v5i12.3550	PROPN
easat-5950	302	1	[	[	X
easat-5950	302	2	15	15	NUM
easat-5950	302	3	]	]	X
easat-5950	302	4	b.	b.	PROPN
easat-5950	302	5	bellaqa	bellaqa	PROPN
easat-5950	302	6	,	,	PUNCT
easat-5950	302	7	research	research	NOUN
easat-5950	302	8	report	report	NOUN
easat-5950	302	9	“	"	PUNCT
easat-5950	302	10	assessment	assessment	NOUN
easat-5950	302	11	of	of	ADP
easat-5950	302	12	the	the	DET
easat-5950	302	13	contribution	contribution	NOUN
easat-5950	302	14	of	of	ADP
easat-5950	302	15	non	non	ADJ
easat-5950	302	16	-	-	ADJ
easat-5950	302	17	banking	banking	ADJ
easat-5950	302	18	and	and	CCONJ
easat-5950	302	19	banking	banking	NOUN
easat-5950	302	20	institutions	institution	NOUN
easat-5950	302	21	to	to	ADP
easat-5950	302	22	rural	rural	ADJ
easat-5950	302	23	development	development	NOUN
easat-5950	302	24	in	in	ADP
easat-5950	302	25	kosovo	kosovo	PROPN
easat-5950	302	26	.	.	PUNCT
easat-5950	303	1	pristina	pristina	PROPN
easat-5950	303	2	,	,	PUNCT
easat-5950	303	3	kosovo	kosovo	PROPN
easat-5950	303	4	:	:	PUNCT
easat-5950	303	5	ministry	ministry	PROPN
easat-5950	303	6	of	of	ADP
easat-5950	303	7	agriculture	agriculture	PROPN
easat-5950	303	8	,	,	PUNCT
easat-5950	303	9	forestry	forestry	NOUN
easat-5950	303	10	and	and	CCONJ
easat-5950	303	11	rural	rural	ADJ
easat-5950	303	12	development	development	NOUN
easat-5950	303	13	in	in	ADP
easat-5950	303	14	kosovo	kosovo	PROPN
easat-5950	303	15	,	,	PUNCT
easat-5950	303	16	2004	2004	NUM
easat-5950	303	17	.	.	PUNCT
easat-5950	304	1	[	[	X
easat-5950	304	2	16	16	NUM
easat-5950	304	3	]	]	PUNCT
easat-5950	304	4	a.	a.	NOUN
easat-5950	304	5	altay	altay	NOUN
easat-5950	304	6	,	,	PUNCT
easat-5950	304	7	"	"	PUNCT
easat-5950	304	8	microfinance	microfinance	NOUN
easat-5950	304	9	in	in	ADP
easat-5950	304	10	preventing	prevent	VERB
easat-5950	304	11	globalizing	globalize	VERB
easat-5950	304	12	poverty	poverty	NOUN
easat-5950	304	13	,	,	PUNCT
easat-5950	304	14	"	"	PUNCT
easat-5950	304	15	finance	finance	NOUN
easat-5950	304	16	,	,	PUNCT
easat-5950	304	17	political	political	ADJ
easat-5950	304	18	&	&	CCONJ
easat-5950	304	19	economic	economic	ADJ
easat-5950	304	20	comments	comment	NOUN
easat-5950	304	21	,	,	PUNCT
easat-5950	304	22	vol	vol	NOUN
easat-5950	304	23	.	.	PROPN
easat-5950	304	24	44	44	NUM
easat-5950	304	25	,	,	PUNCT
easat-5950	304	26	no	no	INTJ
easat-5950	304	27	.	.	NOUN
easat-5950	304	28	510	510	NUM
easat-5950	304	29	,	,	PUNCT
easat-5950	304	30	pp	pp	ADV
easat-5950	304	31	.	.	PUNCT
easat-5950	305	1	45–58	45–58	NUM
easat-5950	305	2	,	,	PUNCT
easat-5950	305	3	2007	2007	NUM
easat-5950	305	4	.	.	PUNCT
easat-5950	306	1	[	[	X
easat-5950	306	2	17	17	NUM
easat-5950	306	3	]	]	X
easat-5950	306	4	c.	c.	PROPN
easat-5950	306	5	chikwira	chikwira	PROPN
easat-5950	306	6	,	,	PUNCT
easat-5950	306	7	e.	e.	PROPN
easat-5950	306	8	vengesai	vengesai	PROPN
easat-5950	306	9	,	,	PUNCT
easat-5950	306	10	and	and	CCONJ
easat-5950	306	11	p.	p.	NOUN
easat-5950	306	12	mandude	mandude	NOUN
easat-5950	306	13	,	,	PUNCT
easat-5950	306	14	"	"	PUNCT
easat-5950	306	15	the	the	DET
easat-5950	306	16	impact	impact	NOUN
easat-5950	306	17	of	of	ADP
easat-5950	306	18	microfinance	microfinance	NOUN
easat-5950	306	19	institutions	institution	NOUN
easat-5950	306	20	on	on	ADP
easat-5950	306	21	poverty	poverty	NOUN
easat-5950	306	22	alleviation	alleviation	NOUN
easat-5950	306	23	,	,	PUNCT
easat-5950	306	24	"	"	PUNCT
easat-5950	306	25	journal	journal	NOUN
easat-5950	306	26	of	of	ADP
easat-5950	306	27	risk	risk	NOUN
easat-5950	306	28	and	and	CCONJ
easat-5950	306	29	financial	financial	ADJ
easat-5950	306	30	management	management	NOUN
easat-5950	306	31	,	,	PUNCT
easat-5950	306	32	vol	vol	NOUN
easat-5950	306	33	.	.	PROPN
easat-5950	306	34	15	15	NUM
easat-5950	306	35	,	,	PUNCT
easat-5950	306	36	no	no	INTJ
easat-5950	306	37	.	.	NOUN
easat-5950	306	38	9	9	NUM
easat-5950	306	39	,	,	PUNCT
easat-5950	306	40	pp	pp	ADJ
easat-5950	306	41	.	.	PUNCT
easat-5950	307	1	1–13	1–13	NOUN
easat-5950	307	2	,	,	PUNCT
easat-5950	307	3	2022	2022	NUM
easat-5950	307	4	.	.	PUNCT
easat-5950	308	1	[	[	X
easat-5950	308	2	18	18	NUM
easat-5950	308	3	]	]	PUNCT
easat-5950	308	4	m.	m.	NOUN
easat-5950	308	5	schreiner	schreiner	NOUN
easat-5950	308	6	and	and	CCONJ
easat-5950	308	7	h.	h.	PROPN
easat-5950	308	8	h.	h.	PROPN
easat-5950	308	9	colombet	colombet	PROPN
easat-5950	308	10	,	,	PUNCT
easat-5950	308	11	"	"	PUNCT
easat-5950	308	12	from	from	ADP
easat-5950	308	13	urban	urban	ADJ
easat-5950	308	14	to	to	ADP
easat-5950	308	15	rural	rural	ADJ
easat-5950	308	16	:	:	PUNCT
easat-5950	308	17	lessons	lesson	NOUN
easat-5950	308	18	for	for	ADP
easat-5950	308	19	microfinance	microfinance	NOUN
easat-5950	308	20	from	from	ADP
easat-5950	308	21	argentina	argentina	PROPN
easat-5950	308	22	,	,	PUNCT
easat-5950	308	23	"	"	PUNCT
easat-5950	308	24	development	development	NOUN
easat-5950	308	25	policy	policy	NOUN
easat-5950	308	26	review	review	NOUN
easat-5950	308	27	,	,	PUNCT
easat-5950	308	28	vol	vol	NOUN
easat-5950	308	29	.	.	PROPN
easat-5950	308	30	19	19	NUM
easat-5950	308	31	,	,	PUNCT
easat-5950	308	32	no	no	INTJ
easat-5950	308	33	.	.	NOUN
easat-5950	308	34	3	3	NUM
easat-5950	308	35	,	,	PUNCT
easat-5950	308	36	pp	pp	ADJ
easat-5950	308	37	.	.	PUNCT
easat-5950	309	1	339–354	339–354	NUM
easat-5950	309	2	,	,	PUNCT
easat-5950	309	3	2001	2001	NUM
easat-5950	309	4	.	.	PUNCT
easat-5950	310	1	https://doi.org/10.1111/1467-7679.00138	https://doi.org/10.1111/1467-7679.00138	PROPN
easat-5950	311	1	[	[	X
easat-5950	311	2	19	19	NUM
easat-5950	311	3	]	]	X
easat-5950	311	4	y.	y.	PROPN
easat-5950	311	5	i.	i.	PROPN
easat-5950	311	6	sari	sari	PROPN
easat-5950	311	7	and	and	CCONJ
easat-5950	311	8	i.	i.	PROPN
easat-5950	311	9	d.	d.	PROPN
easat-5950	311	10	chofifah	chofifah	PROPN
easat-5950	311	11	,	,	PUNCT
easat-5950	311	12	"	"	PUNCT
easat-5950	311	13	the	the	DET
easat-5950	311	14	impact	impact	NOUN
easat-5950	311	15	of	of	ADP
easat-5950	311	16	microfinance	microfinance	NOUN
easat-5950	311	17	institutions	institution	NOUN
easat-5950	311	18	on	on	ADP
easat-5950	311	19	economic	economic	ADJ
easat-5950	311	20	growth	growth	NOUN
easat-5950	311	21	:	:	PUNCT
easat-5950	311	22	a	a	DET
easat-5950	311	23	literature	literature	NOUN
easat-5950	311	24	study	study	NOUN
easat-5950	311	25	in	in	ADP
easat-5950	311	26	indonesia	indonesia	PROPN
easat-5950	311	27	,	,	PUNCT
easat-5950	311	28	"	"	PUNCT
easat-5950	311	29	journal	journal	NOUN
easat-5950	311	30	of	of	ADP
easat-5950	311	31	banks	bank	NOUN
easat-5950	311	32	and	and	CCONJ
easat-5950	311	33	financial	financial	ADJ
easat-5950	311	34	institutions	institution	NOUN
easat-5950	311	35	,	,	PUNCT
easat-5950	311	36	vol	vol	NOUN
easat-5950	311	37	.	.	PROPN
easat-5950	311	38	1	1	NUM
easat-5950	311	39	,	,	PUNCT
easat-5950	311	40	no	no	INTJ
easat-5950	311	41	.	.	NOUN
easat-5950	311	42	2	2	NUM
easat-5950	311	43	,	,	PUNCT
easat-5950	311	44	pp	pp	ADJ
easat-5950	311	45	.	.	PUNCT
easat-5950	312	1	49–58	49–58	NUM
easat-5950	312	2	,	,	PUNCT
easat-5950	312	3	2025	2025	NUM
easat-5950	312	4	.	.	PUNCT
easat-5950	313	1	[	[	X
easat-5950	313	2	20	20	NUM
easat-5950	313	3	]	]	PUNCT
easat-5950	313	4	a.	a.	NOUN
easat-5950	313	5	hayes	hayes	PROPN
easat-5950	313	6	,	,	PUNCT
easat-5950	313	7	administration	administration	NOUN
easat-5950	313	8	and	and	CCONJ
easat-5950	313	9	business	business	NOUN
easat-5950	313	10	.	.	PUNCT
easat-5950	314	1	romania	romania	PROPN
easat-5950	314	2	icea	icea	PROPN
easat-5950	314	3	:	:	PUNCT
easat-5950	314	4	university	university	NOUN
easat-5950	314	5	of	of	ADP
easat-5950	314	6	bucharest	buchar	ADJ
easat-5950	314	7	,	,	PUNCT
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easat-5950	314	9	.	.	PUNCT
easat-5950	315	1	[	[	X
easat-5950	315	2	21	21	NUM
easat-5950	315	3	]	]	PUNCT
easat-5950	315	4	a.	a.	NOUN
easat-5950	315	5	a.	a.	PROPN
easat-5950	315	6	rahim	rahim	PROPN
easat-5950	315	7	,	,	PUNCT
easat-5950	315	8	"	"	PUNCT
easat-5950	315	9	islamic	islamic	ADJ
easat-5950	315	10	microfinance	microfinance	NOUN
easat-5950	315	11	:	:	PUNCT
easat-5950	315	12	a	a	DET
easat-5950	315	13	missing	miss	VERB
easat-5950	315	14	component	component	NOUN
easat-5950	315	15	in	in	ADP
easat-5950	315	16	islamic	islamic	ADJ
easat-5950	315	17	banking	banking	NOUN
easat-5950	315	18	,	,	PUNCT
easat-5950	315	19	"	"	PUNCT
easat-5950	315	20	kyoto	kyoto	PROPN
easat-5950	315	21	bulletin	bulletin	NOUN
easat-5950	315	22	of	of	ADP
easat-5950	315	23	islamic	islamic	PROPN
easat-5950	315	24	area	area	PROPN
easat-5950	315	25	studies	study	NOUN
easat-5950	315	26	,	,	PUNCT
easat-5950	315	27	vol	vol	NOUN
easat-5950	315	28	.	.	PROPN
easat-5950	315	29	1	1	NUM
easat-5950	315	30	,	,	PUNCT
easat-5950	315	31	no	no	INTJ
easat-5950	315	32	.	.	NOUN
easat-5950	315	33	2	2	NUM
easat-5950	315	34	,	,	PUNCT
easat-5950	315	35	2007	2007	NUM
easat-5950	315	36	.	.	PUNCT
easat-5950	316	1	[	[	X
easat-5950	316	2	22	22	NUM
easat-5950	316	3	]	]	PUNCT
easat-5950	316	4	p.	p.	NOUN
easat-5950	316	5	j.	j.	PROPN
easat-5950	316	6	fidler	fidler	PROPN
easat-5950	316	7	and	and	CCONJ
easat-5950	316	8	m.	m.	PROPN
easat-5950	316	9	s.	s.	PROPN
easat-5950	316	10	robinson	robinson	PROPN
easat-5950	316	11	,	,	PUNCT
easat-5950	316	12	the	the	DET
easat-5950	316	13	microfinance	microfinance	NOUN
easat-5950	316	14	revolution	revolution	NOUN
easat-5950	316	15	:	:	PUNCT
easat-5950	316	16	sustainable	sustainable	ADJ
easat-5950	316	17	finance	finance	NOUN
easat-5950	316	18	for	for	ADP
easat-5950	316	19	the	the	DET
easat-5950	316	20	poor	poor	ADJ
easat-5950	316	21	.	.	PUNCT
easat-5950	317	1	usa	usa	PROPN
easat-5950	317	2	:	:	PUNCT
easat-5950	317	3	world	world	PROPN
easat-5950	317	4	bank	bank	PROPN
easat-5950	317	5	group	group	NOUN
easat-5950	317	6	,	,	PUNCT
easat-5950	317	7	2001	2001	NUM
easat-5950	317	8	.	.	PUNCT
easat-5950	318	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
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easat-5950	318	4	https://doi.org/10.1186/s40854-024-00738-9	https://doi.org/10.1186/s40854-024-00738-9	NUM
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easat-5950	318	6	https://amik.org/informata-per-sektorin---detaje?detailsid=289&item=informata-per-sektorin,-tetor-2023	https://amik.org/informata-per-sektorin---detaje?detailsid=289&item=informata-per-sektorin,-tetor-2023	X
easat-5950	319	1	https://www.ukessays.ae/essays/economics/the-concept-of-microfinance-economics-ess	https://www.ukessays.ae/essays/economics/the-concept-of-microfinance-economics-ess	PROPN
easat-5950	319	2	https://www.ukessays.ae/essays/economics/the-concept-of-microfinance-economics-ess	https://www.ukessays.ae/essays/economics/the-concept-of-microfinance-economics-ess	PROPN
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easat-5950	319	5	156	156	NUM
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easat-5950	319	8	science	science	NOUN
easat-5950	319	9	and	and	CCONJ
easat-5950	319	10	technology	technology	NOUN
easat-5950	319	11	issn	issn	PROPN
easat-5950	319	12	:	:	PUNCT
easat-5950	319	13	2576	2576	NUM
easat-5950	319	14	-	-	SYM
easat-5950	319	15	8484	8484	NUM
easat-5950	319	16	vol	vol	NOUN
easat-5950	319	17	.	.	PROPN
easat-5950	320	1	9	9	NUM
easat-5950	320	2	,	,	PUNCT
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easat-5950	321	1	4	4	NUM
easat-5950	321	2	:	:	SYM
easat-5950	321	3	146	146	NUM
easat-5950	321	4	-	-	SYM
easat-5950	321	5	156	156	NUM
easat-5950	321	6	,	,	PUNCT
easat-5950	321	7	2025	2025	NUM
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easat-5950	321	14	the	the	DET
easat-5950	321	15	authors	author	NOUN
easat-5950	321	16	;	;	PUNCT
easat-5950	321	17	licensee	licensee	PROPN
easat-5950	321	18	learning	learning	NOUN
easat-5950	321	19	gate	gate	NOUN
easat-5950	322	1	[	[	X
easat-5950	322	2	23	23	NUM
easat-5950	322	3	]	]	X
easat-5950	322	4	r.	r.	PROPN
easat-5950	322	5	mersland	mersland	PROPN
easat-5950	322	6	and	and	CCONJ
easat-5950	322	7	r.	r.	PROPN
easat-5950	322	8	ø	ø	PROPN
easat-5950	322	9	.	.	PUNCT
easat-5950	322	10	strøm	strøm	PROPN
easat-5950	322	11	,	,	PUNCT
easat-5950	322	12	microfinance	microfinance	NOUN
easat-5950	322	13	financial	financial	ADJ
easat-5950	322	14	and	and	CCONJ
easat-5950	322	15	social	social	ADJ
easat-5950	322	16	performance	performance	NOUN
easat-5950	322	17	:	:	PUNCT
easat-5950	322	18	an	an	DET
easat-5950	322	19	introduction	introduction	NOUN
easat-5950	322	20	.	.	PUNCT
easat-5950	323	1	in	in	ADP
easat-5950	323	2	r.	r.	PROPN
easat-5950	323	3	mersland	mersland	PROPN
easat-5950	323	4	&	&	CCONJ
easat-5950	323	5	r.	r.	PROPN
easat-5950	323	6	ø	ø	PROPN
easat-5950	323	7	.	.	PUNCT
easat-5950	323	8	strøm	strøm	PROPN
easat-5950	323	9	(	(	PUNCT
easat-5950	323	10	eds	eds	PROPN
easat-5950	323	11	.	.	PUNCT
easat-5950	323	12	)	)	PUNCT
easat-5950	323	13	,	,	PUNCT
easat-5950	323	14	microfinance	microfinance	NOUN
easat-5950	323	15	institutions	institution	NOUN
easat-5950	323	16	:	:	PUNCT
easat-5950	323	17	financial	financial	ADJ
easat-5950	323	18	and	and	CCONJ
easat-5950	323	19	social	social	ADJ
easat-5950	323	20	performance	performance	NOUN
easat-5950	323	21	.	.	PUNCT
easat-5950	324	1	palgrave	palgrave	PROPN
easat-5950	324	2	macmillan	macmillan	PROPN
easat-5950	324	3	.	.	PUNCT
easat-5950	325	1	https://doi.org/10.1057/9781137399663_1	https://doi.org/10.1057/9781137399663_1	PROPN
easat-5950	325	2	,	,	PUNCT
easat-5950	325	3	2014	2014	NUM
easat-5950	325	4	,	,	PUNCT
easat-5950	325	5	pp	pp	ADJ
easat-5950	325	6	.	.	PUNCT
easat-5950	326	1	1	1	NUM
easat-5950	326	2	-	-	SYM
easat-5950	326	3	11	11	NUM
easat-5950	326	4	.	.	PUNCT
easat-5950	327	1	[	[	X
easat-5950	327	2	24	24	NUM
easat-5950	327	3	]	]	PUNCT
easat-5950	327	4	t.	t.	PROPN
easat-5950	327	5	w.	w.	PROPN
easat-5950	327	6	dichter	dichter	PROPN
easat-5950	327	7	,	,	PUNCT
easat-5950	327	8	the	the	DET
easat-5950	327	9	history	history	NOUN
easat-5950	327	10	of	of	ADP
easat-5950	327	11	microfinance	microfinance	NOUN
easat-5950	327	12	:	:	PUNCT
easat-5950	327	13	from	from	ADP
easat-5950	327	14	small	small	ADJ
easat-5950	327	15	project	project	NOUN
easat-5950	327	16	to	to	ADP
easat-5950	327	17	global	global	ADJ
easat-5950	327	18	industry	industry	NOUN
easat-5950	327	19	.	.	PUNCT
easat-5950	328	1	usa	usa	PROPN
easat-5950	328	2	:	:	PUNCT
easat-5950	328	3	microfinance	microfinance	NOUN
easat-5950	328	4	press	press	NOUN
easat-5950	328	5	,	,	PUNCT
easat-5950	328	6	1997	1997	NUM
easat-5950	328	7	.	.	PUNCT
easat-5950	329	1	[	[	X
easat-5950	329	2	25	25	NUM
easat-5950	329	3	]	]	X
easat-5950	329	4	s.	s.	PROPN
easat-5950	329	5	sinha	sinha	PROPN
easat-5950	329	6	,	,	PUNCT
easat-5950	329	7	"	"	PUNCT
easat-5950	329	8	microcredit	microcredit	NOUN
easat-5950	329	9	:	:	PUNCT
easat-5950	329	10	introduction	introduction	NOUN
easat-5950	329	11	and	and	CCONJ
easat-5950	329	12	review	review	NOUN
easat-5950	329	13	.	.	PUNCT
easat-5950	330	1	in	in	ADP
easat-5950	330	2	s.	s.	PROPN
easat-5950	330	3	sinha	sinha	PROPN
easat-5950	330	4	(	(	PUNCT
easat-5950	330	5	ed	ed	NOUN
easat-5950	330	6	.	.	PUNCT
easat-5950	330	7	)	)	PUNCT
easat-5950	330	8	,	,	PUNCT
easat-5950	330	9	micro	micro	NOUN
easat-5950	330	10	-	-	NOUN
easat-5950	330	11	credit	credit	NOUN
easat-5950	330	12	:	:	PUNCT
easat-5950	330	13	impact	impact	NOUN
easat-5950	330	14	,	,	PUNCT
easat-5950	330	15	targeting	targeting	NOUN
easat-5950	330	16	,	,	PUNCT
easat-5950	330	17	and	and	CCONJ
easat-5950	330	18	sustainability	sustainability	NOUN
easat-5950	330	19	,	,	PUNCT
easat-5950	330	20	"	"	PUNCT
easat-5950	330	21	ids	id	NOUN
easat-5950	330	22	bulletin	bulletin	NOUN
easat-5950	330	23	,	,	PUNCT
easat-5950	330	24	vol	vol	NOUN
easat-5950	330	25	.	.	PROPN
easat-5950	330	26	29	29	NUM
easat-5950	330	27	,	,	PUNCT
easat-5950	330	28	no	no	INTJ
easat-5950	330	29	.	.	NOUN
easat-5950	330	30	4	4	NUM
easat-5950	330	31	,	,	PUNCT
easat-5950	330	32	pp	pp	ADJ
easat-5950	330	33	.	.	PUNCT
easat-5950	331	1	1–9	1–9	NUM
easat-5950	331	2	,	,	PUNCT
easat-5950	331	3	1998	1998	NUM
easat-5950	331	4	.	.	PUNCT
easat-5950	332	1	[	[	X
easat-5950	332	2	26	26	NUM
easat-5950	332	3	]	]	X
easat-5950	332	4	k.	k.	PROPN
easat-5950	332	5	boudreaux	boudreaux	PROPN
easat-5950	332	6	and	and	CCONJ
easat-5950	332	7	t.	t.	PROPN
easat-5950	332	8	cowen	cowen	PROPN
easat-5950	332	9	,	,	PUNCT
easat-5950	332	10	"	"	PUNCT
easat-5950	332	11	the	the	DET
easat-5950	332	12	micromagic	micromagic	NOUN
easat-5950	332	13	of	of	ADP
easat-5950	332	14	microcredit	microcredit	NOUN
easat-5950	332	15	,	,	PUNCT
easat-5950	332	16	"	"	PUNCT
easat-5950	332	17	wilson	wilson	PROPN
easat-5950	332	18	quarterly	quarterly	NOUN
easat-5950	332	19	,	,	PUNCT
easat-5950	332	20	vol	vol	NOUN
easat-5950	332	21	.	.	PROPN
easat-5950	332	22	32	32	NUM
easat-5950	332	23	,	,	PUNCT
easat-5950	332	24	no	no	INTJ
easat-5950	332	25	.	.	NOUN
easat-5950	332	26	1	1	NUM
easat-5950	332	27	,	,	PUNCT
easat-5950	332	28	pp	pp	ADJ
easat-5950	332	29	.	.	PUNCT
easat-5950	333	1	27–31	27–31	NUM
easat-5950	333	2	,	,	PUNCT
easat-5950	333	3	2008	2008	NUM
easat-5950	333	4	.	.	PUNCT
easat-5950	334	1	[	[	X
easat-5950	334	2	27	27	NUM
easat-5950	334	3	]	]	X
easat-5950	334	4	g.	g.	PROPN
easat-5950	334	5	nagarajan	nagarajan	PROPN
easat-5950	334	6	,	,	PUNCT
easat-5950	334	7	"	"	PUNCT
easat-5950	334	8	microfinance	microfinance	NOUN
easat-5950	334	9	in	in	ADP
easat-5950	334	10	post	post	ADJ
easat-5950	334	11	-	-	ADJ
easat-5950	334	12	conflict	conflict	ADJ
easat-5950	334	13	situations	situation	NOUN
easat-5950	334	14	:	:	PUNCT
easat-5950	334	15	towards	towards	ADP
easat-5950	334	16	guiding	guide	VERB
easat-5950	334	17	principles	principle	NOUN
easat-5950	334	18	for	for	ADP
easat-5950	334	19	action	action	NOUN
easat-5950	334	20	,	,	PUNCT
easat-5950	334	21	"	"	PUNCT
easat-5950	334	22	presented	present	VERB
easat-5950	334	23	at	at	ADP
easat-5950	334	24	the	the	DET
easat-5950	334	25	the	the	DET
easat-5950	334	26	joint	joint	ADJ
easat-5950	334	27	ilo	ilo	PROPN
easat-5950	334	28	/	/	SYM
easat-5950	334	29	unhcr	unhcr	PROPN
easat-5950	334	30	workshop	workshop	NOUN
easat-5950	334	31	on	on	ADP
easat-5950	334	32	microfinance	microfinance	NOUN
easat-5950	334	33	in	in	ADP
easat-5950	334	34	post	post	ADJ
easat-5950	334	35	-	-	ADJ
easat-5950	334	36	conflict	conflict	ADJ
easat-5950	334	37	countries	country	NOUN
easat-5950	334	38	,	,	PUNCT
easat-5950	334	39	geneva	geneva	PROPN
easat-5950	334	40	,	,	PUNCT
easat-5950	334	41	1999	1999	NUM
easat-5950	334	42	.	.	PUNCT
easat-5950	335	1	[	[	X
easat-5950	335	2	28	28	NUM
easat-5950	335	3	]	]	X
easat-5950	335	4	f.	f.	PROPN
easat-5950	335	5	mehmeti	mehmeti	PROPN
easat-5950	335	6	,	,	PUNCT
easat-5950	335	7	developments	development	NOUN
easat-5950	335	8	in	in	ADP
easat-5950	335	9	the	the	DET
easat-5950	335	10	financial	financial	ADJ
easat-5950	335	11	sector	sector	NOUN
easat-5950	335	12	.	.	PUNCT
easat-5950	336	1	kosovo	kosovo	PROPN
easat-5950	336	2	:	:	PUNCT
easat-5950	336	3	central	central	ADJ
easat-5950	336	4	bank	bank	PROPN
easat-5950	336	5	of	of	ADP
easat-5950	336	6	kosovo	kosovo	PROPN
easat-5950	336	7	,	,	PUNCT
easat-5950	336	8	2021	2021	NUM
easat-5950	336	9	.	.	PUNCT
easat-5950	337	1	[	[	X
easat-5950	337	2	29	29	NUM
easat-5950	337	3	]	]	PUNCT
easat-5950	337	4	a.	a.	NOUN
easat-5950	337	5	h.	h.	PROPN
easat-5950	337	6	studenmund	studenmund	PROPN
easat-5950	337	7	,	,	PUNCT
easat-5950	337	8	using	use	VERB
easat-5950	337	9	econometrics	econometric	NOUN
easat-5950	337	10	:	:	PUNCT
easat-5950	337	11	a	a	DET
easat-5950	337	12	practical	practical	ADJ
easat-5950	337	13	guide	guide	NOUN
easat-5950	337	14	,	,	PUNCT
easat-5950	337	15	7th	7th	ADJ
easat-5950	337	16	ed	ed	NOUN
easat-5950	337	17	.	.	PUNCT
easat-5950	338	1	uk	uk	PROPN
easat-5950	338	2	:	:	PUNCT
easat-5950	338	3	pearson	pearson	PROPN
easat-5950	338	4	,	,	PUNCT
easat-5950	338	5	2017	2017	NUM
easat-5950	338	6	.	.	PUNCT
easat-5950	339	1	[	[	X
easat-5950	339	2	30	30	NUM
easat-5950	339	3	]	]	X
easat-5950	339	4	sak	sak	PROPN
easat-5950	339	5	,	,	PUNCT
easat-5950	339	6	the	the	DET
easat-5950	339	7	future	future	NOUN
easat-5950	339	8	of	of	ADP
easat-5950	339	9	innovation	innovation	NOUN
easat-5950	339	10	.	.	PUNCT
easat-5950	340	1	usa	usa	PROPN
easat-5950	340	2	:	:	PUNCT
easat-5950	340	3	innovation	innovation	NOUN
easat-5950	340	4	press	press	NOUN
easat-5950	340	5	,	,	PUNCT
easat-5950	340	6	2023	2023	NUM
easat-5950	340	7	.	.	PUNCT
easat-5950	341	1	[	[	X
easat-5950	341	2	31	31	NUM
easat-5950	341	3	]	]	PUNCT
easat-5950	341	4	amik	amik	NOUN
easat-5950	341	5	,	,	PUNCT
easat-5950	341	6	"	"	PUNCT
easat-5950	341	7	information	information	NOUN
easat-5950	341	8	for	for	ADP
easat-5950	341	9	the	the	DET
easat-5950	341	10	sector	sector	NOUN
easat-5950	341	11	,	,	PUNCT
easat-5950	341	12	"	"	PUNCT
easat-5950	341	13	retrieved	retrieve	VERB
easat-5950	341	14	:	:	PUNCT
easat-5950	341	15	https://amik.org/informata-per-sektorin--detaje?detailsid=328&item=informata-per-sektorin,-shtator-2024	https://amik.org/informata-per-sektorin--detaje?detailsid=328&item=informata-per-sektorin,-shtator-2024	NUM
easat-5950	341	16	,	,	PUNCT
easat-5950	341	17	2024	2024	NUM
easat-5950	341	18	.	.	PUNCT
easat-5950	342	1	[	[	X
easat-5950	342	2	32	32	NUM
easat-5950	342	3	]	]	X
easat-5950	342	4	central	central	ADJ
easat-5950	342	5	bank	bank	PROPN
easat-5950	342	6	of	of	ADP
easat-5950	342	7	kosovo	kosovo	PROPN
easat-5950	342	8	(	(	PUNCT
easat-5950	342	9	cbk	cbk	PROPN
easat-5950	342	10	)	)	PUNCT
easat-5950	342	11	,	,	PUNCT
easat-5950	342	12	"	"	PUNCT
easat-5950	342	13	monthly	monthly	ADJ
easat-5950	342	14	statistical	statistical	ADJ
easat-5950	342	15	bulletin	bulletin	NOUN
easat-5950	342	16	,	,	PUNCT
easat-5950	342	17	"	"	PUNCT
easat-5950	342	18	financial	financial	ADJ
easat-5950	342	19	system	system	NOUN
easat-5950	342	20	(	(	PUNCT
easat-5950	342	21	report	report	VERB
easat-5950	342	22	no	no	INTJ
easat-5950	342	23	.	.	NOUN
easat-5950	342	24	277	277	NUM
easat-5950	342	25	)	)	PUNCT
easat-5950	342	26	,	,	PUNCT
easat-5950	342	27	pristina	pristina	PROPN
easat-5950	342	28	,	,	PUNCT
easat-5950	342	29	kosovo	kosovo	PROPN
easat-5950	342	30	,	,	PUNCT
easat-5950	342	31	2024	2024	NUM
easat-5950	342	32	.	.	PUNCT
easat-5950	343	1	[	[	X
easat-5950	343	2	33	33	NUM
easat-5950	343	3	]	]	PUNCT
easat-5950	343	4	j.	j.	PROPN
easat-5950	343	5	m.	m.	PROPN
easat-5950	343	6	wooldridge	wooldridge	PROPN
easat-5950	343	7	,	,	PUNCT
easat-5950	343	8	introductory	introductory	ADJ
easat-5950	343	9	econometrics	econometric	NOUN
easat-5950	343	10	:	:	PUNCT
easat-5950	343	11	a	a	DET
easat-5950	343	12	modern	modern	ADJ
easat-5950	343	13	approach	approach	NOUN
easat-5950	343	14	.	.	PUNCT
easat-5950	344	1	usa	usa	PROPN
easat-5950	344	2	:	:	PUNCT
easat-5950	344	3	nelson	nelson	PROPN
easat-5950	344	4	education	education	PROPN
easat-5950	344	5	,	,	PUNCT
easat-5950	344	6	2015	2015	NUM
easat-5950	344	7	.	.	PUNCT
easat-5950	345	1	[	[	X
easat-5950	345	2	34	34	NUM
easat-5950	345	3	]	]	PUNCT
easat-5950	345	4	m.	m.	PROPN
easat-5950	345	5	wright	wright	PROPN
easat-5950	345	6	and	and	CCONJ
easat-5950	345	7	s.	s.	PROPN
easat-5950	345	8	herrington	herrington	PROPN
easat-5950	345	9	,	,	PUNCT
easat-5950	345	10	entrepreneurship	entrepreneurship	NOUN
easat-5950	345	11	and	and	CCONJ
easat-5950	345	12	innovation	innovation	NOUN
easat-5950	345	13	:	:	PUNCT
easat-5950	345	14	the	the	DET
easat-5950	345	15	keys	key	NOUN
easat-5950	345	16	to	to	ADP
easat-5950	345	17	success	success	NOUN
easat-5950	345	18	.	.	PUNCT
easat-5950	346	1	usa	usa	NOUN
easat-5950	346	2	:	:	PUNCT
easat-5950	346	3	business	business	NOUN
easat-5950	346	4	press	press	NOUN
easat-5950	346	5	,	,	PUNCT
easat-5950	346	6	2011	2011	NUM
easat-5950	346	7	.	.	PUNCT
easat-5950	347	1	https://doi.org/10.1057/9781137399663_1	https://doi.org/10.1057/9781137399663_1	PROPN
easat-5950	347	2	https://amik.org/informata-per-sektorin---detaje?detailsid=328&item=informata-per-sektorin,-shtator-2024	https://amik.org/informata-per-sektorin---detaje?detailsid=328&item=informata-per-sektorin,-shtator-2024	X
easat-5950	347	3	https://amik.org/informata-per-sektorin---detaje?detailsid=328&item=informata-per-sektorin,-shtator-2024	https://amik.org/informata-per-sektorin---detaje?detailsid=328&item=informata-per-sektorin,-shtator-2024	NOUN