id	sid	tid	token	lemma	pos
easat-7592	1	1	edelweiss	edelweiss	PROPN
easat-7592	1	2	applied	apply	VERB
easat-7592	1	3	science	science	NOUN
easat-7592	1	4	and	and	CCONJ
easat-7592	1	5	technology	technology	NOUN
easat-7592	1	6	issn	issn	PROPN
easat-7592	1	7	:	:	PUNCT
easat-7592	1	8	2576	2576	NUM
easat-7592	1	9	-	-	SYM
easat-7592	1	10	8484	8484	NUM
easat-7592	1	11	vol	vol	NOUN
easat-7592	1	12	.	.	PROPN
easat-7592	2	1	9	9	NUM
easat-7592	2	2	,	,	PUNCT
easat-7592	2	3	no	no	INTJ
easat-7592	2	4	.	.	NOUN
easat-7592	2	5	5	5	NUM
easat-7592	2	6	,	,	PUNCT
easat-7592	2	7	2801	2801	NUM
easat-7592	2	8	-	-	SYM
easat-7592	2	9	2815	2815	NUM
easat-7592	2	10	2025	2025	NUM
easat-7592	2	11	publisher	publisher	NOUN
easat-7592	2	12	:	:	PUNCT
easat-7592	2	13	learning	learn	VERB
easat-7592	2	14	gate	gate	NOUN
easat-7592	2	15	doi	doi	PROPN
easat-7592	2	16	:	:	PUNCT
easat-7592	2	17	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	2	18	©	©	PROPN
easat-7592	2	19	2025	2025	NUM
easat-7592	2	20	by	by	ADP
easat-7592	2	21	the	the	DET
easat-7592	2	22	author	author	NOUN
easat-7592	2	23	;	;	PUNCT
easat-7592	2	24	licensee	licensee	PROPN
easat-7592	2	25	learning	learning	NOUN
easat-7592	2	26	gate	gate	NOUN
easat-7592	3	1	©	©	PROPN
easat-7592	3	2	2025	2025	NUM
easat-7592	3	3	by	by	ADP
easat-7592	3	4	the	the	DET
easat-7592	3	5	author	author	NOUN
easat-7592	3	6	;	;	PUNCT
easat-7592	3	7	licensee	licensee	PROPN
easat-7592	3	8	learning	learning	NOUN
easat-7592	3	9	gate	gate	NOUN
easat-7592	3	10	history	history	NOUN
easat-7592	3	11	:	:	PUNCT
easat-7592	3	12	received	receive	VERB
easat-7592	3	13	:	:	PUNCT
easat-7592	3	14	6	6	NUM
easat-7592	3	15	march	march	NOUN
easat-7592	3	16	2025	2025	NUM
easat-7592	3	17	;	;	PUNCT
easat-7592	3	18	revised	revise	VERB
easat-7592	3	19	:	:	PUNCT
easat-7592	3	20	7	7	NUM
easat-7592	3	21	may	may	PROPN
easat-7592	3	22	2025	2025	NUM
easat-7592	3	23	;	;	PUNCT
easat-7592	3	24	accepted	accept	VERB
easat-7592	3	25	:	:	PUNCT
easat-7592	3	26	12	12	NUM
easat-7592	3	27	may	may	PROPN
easat-7592	3	28	2025	2025	NUM
easat-7592	3	29	;	;	PUNCT
easat-7592	3	30	published	publish	VERB
easat-7592	3	31	:	:	PUNCT
easat-7592	3	32	27	27	NUM
easat-7592	3	33	may	may	PROPN
easat-7592	3	34	2025	2025	NUM
easat-7592	3	35	*	*	PUNCT
easat-7592	3	36	correspondence	correspondence	NOUN
easat-7592	3	37	:	:	PUNCT
easat-7592	3	38	huongtran@hvnh.edu.vn	huongtran@hvnh.edu.vn	ADJ
easat-7592	3	39	demand	demand	NOUN
easat-7592	3	40	side	side	NOUN
easat-7592	3	41	factors	factor	NOUN
easat-7592	3	42	affecting	affect	VERB
easat-7592	3	43	financial	financial	ADJ
easat-7592	3	44	inclusion	inclusion	NOUN
easat-7592	3	45	in	in	ADP
easat-7592	3	46	vietnam	vietnam	PROPN
easat-7592	3	47	huong	huong	PROPN
easat-7592	3	48	tran	tran	PROPN
easat-7592	3	49	thi	thi	VERB
easat-7592	3	50	thu1	thu1	PROPN
easat-7592	3	51	*	*	PROPN
easat-7592	4	1	1banking	1banking	NUM
easat-7592	4	2	academy	academy	NOUN
easat-7592	4	3	of	of	ADP
easat-7592	4	4	vietnam	vietnam	PROPN
easat-7592	4	5	,	,	PUNCT
easat-7592	4	6	hanoi	hanoi	PROPN
easat-7592	4	7	,	,	PUNCT
easat-7592	4	8	vietnam	vietnam	PROPN
easat-7592	4	9	;	;	PUNCT
easat-7592	4	10	huongtran@hvnh.edu.vn	huongtran@hvnh.edu.vn	ADJ
easat-7592	4	11	(	(	PUNCT
easat-7592	4	12	h.t.t.t	h.t.t.t	X
easat-7592	4	13	.	.	PUNCT
easat-7592	4	14	)	)	PUNCT
easat-7592	5	1	abstract	abstract	NOUN
easat-7592	5	2	:	:	PUNCT
easat-7592	5	3	this	this	DET
easat-7592	5	4	study	study	NOUN
easat-7592	5	5	aims	aim	VERB
easat-7592	5	6	to	to	PART
easat-7592	5	7	identify	identify	VERB
easat-7592	5	8	the	the	DET
easat-7592	5	9	determinants	determinant	NOUN
easat-7592	5	10	influencing	influence	VERB
easat-7592	5	11	financial	financial	ADJ
easat-7592	5	12	inclusion	inclusion	NOUN
easat-7592	5	13	in	in	ADP
easat-7592	5	14	vietnam	vietnam	PROPN
easat-7592	5	15	and	and	CCONJ
easat-7592	5	16	to	to	PART
easat-7592	5	17	propose	propose	VERB
easat-7592	5	18	relevant	relevant	ADJ
easat-7592	5	19	policy	policy	NOUN
easat-7592	5	20	recommendations	recommendation	NOUN
easat-7592	5	21	aligned	align	VERB
easat-7592	5	22	with	with	ADP
easat-7592	5	23	vietnam	vietnam	PROPN
easat-7592	5	24	’s	’s	PART
easat-7592	5	25	national	national	ADJ
easat-7592	5	26	financial	financial	ADJ
easat-7592	5	27	strategy	strategy	NOUN
easat-7592	5	28	on	on	ADP
easat-7592	5	29	financial	financial	ADJ
easat-7592	5	30	inclusion	inclusion	NOUN
easat-7592	5	31	.	.	PUNCT
easat-7592	6	1	using	use	VERB
easat-7592	6	2	quantitative	quantitative	ADJ
easat-7592	6	3	analysis	analysis	NOUN
easat-7592	6	4	methods	method	NOUN
easat-7592	6	5	,	,	PUNCT
easat-7592	6	6	the	the	DET
easat-7592	6	7	study	study	NOUN
easat-7592	6	8	employs	employ	VERB
easat-7592	6	9	data	datum	NOUN
easat-7592	6	10	from	from	ADP
easat-7592	6	11	the	the	DET
easat-7592	6	12	2022	2022	NUM
easat-7592	6	13	vietnam	vietnam	PROPN
easat-7592	6	14	household	household	NOUN
easat-7592	6	15	living	living	NOUN
easat-7592	6	16	standards	standard	NOUN
easat-7592	6	17	survey	survey	NOUN
easat-7592	6	18	(	(	PUNCT
easat-7592	6	19	vhlss	vhlss	ADJ
easat-7592	6	20	)	)	PUNCT
easat-7592	6	21	,	,	PUNCT
easat-7592	6	22	conducted	conduct	VERB
easat-7592	6	23	by	by	ADP
easat-7592	6	24	vietnam	vietnam	PROPN
easat-7592	6	25	’s	’s	PART
easat-7592	6	26	general	general	PROPN
easat-7592	6	27	statistics	statistics	PROPN
easat-7592	6	28	office	office	PROPN
easat-7592	6	29	(	(	PUNCT
easat-7592	6	30	gso	gso	PROPN
easat-7592	6	31	)	)	PUNCT
easat-7592	6	32	.	.	PUNCT
easat-7592	7	1	the	the	DET
easat-7592	7	2	results	result	NOUN
easat-7592	7	3	of	of	ADP
easat-7592	7	4	the	the	DET
easat-7592	7	5	model	model	NOUN
easat-7592	7	6	of	of	ADP
easat-7592	7	7	factors	factor	NOUN
easat-7592	7	8	affecting	affect	VERB
easat-7592	7	9	financial	financial	ADJ
easat-7592	7	10	inclusion	inclusion	NOUN
easat-7592	7	11	in	in	ADP
easat-7592	7	12	vietnam	vietnam	PROPN
easat-7592	7	13	indicate	indicate	VERB
easat-7592	7	14	that	that	SCONJ
easat-7592	7	15	gender	gender	NOUN
easat-7592	7	16	has	have	VERB
easat-7592	7	17	a	a	DET
easat-7592	7	18	negative	negative	ADJ
easat-7592	7	19	impact	impact	NOUN
easat-7592	7	20	on	on	ADP
easat-7592	7	21	account	account	NOUN
easat-7592	7	22	ownership	ownership	NOUN
easat-7592	7	23	,	,	PUNCT
easat-7592	7	24	access	access	NOUN
easat-7592	7	25	to	to	ADP
easat-7592	7	26	savings	saving	NOUN
easat-7592	7	27	services	service	NOUN
easat-7592	7	28	,	,	PUNCT
easat-7592	7	29	use	use	NOUN
easat-7592	7	30	of	of	ADP
easat-7592	7	31	atm	atm	ADJ
easat-7592	7	32	cards	card	NOUN
easat-7592	7	33	,	,	PUNCT
easat-7592	7	34	use	use	NOUN
easat-7592	7	35	of	of	ADP
easat-7592	7	36	credit	credit	NOUN
easat-7592	7	37	cards	card	NOUN
easat-7592	7	38	,	,	PUNCT
easat-7592	7	39	and	and	CCONJ
easat-7592	7	40	access	access	NOUN
easat-7592	7	41	to	to	ADP
easat-7592	7	42	investment	investment	NOUN
easat-7592	7	43	and	and	CCONJ
easat-7592	7	44	insurance	insurance	NOUN
easat-7592	7	45	services	service	NOUN
easat-7592	7	46	.	.	PUNCT
easat-7592	8	1	the	the	DET
easat-7592	8	2	variables	variable	NOUN
easat-7592	8	3	age	age	NOUN
easat-7592	8	4	and	and	CCONJ
easat-7592	8	5	age²	age²	PROPN
easat-7592	8	6	exhibit	exhibit	VERB
easat-7592	8	7	positive	positive	ADJ
easat-7592	8	8	and	and	CCONJ
easat-7592	8	9	negative	negative	ADJ
easat-7592	8	10	correlations	correlation	NOUN
easat-7592	8	11	,	,	PUNCT
easat-7592	8	12	respectively	respectively	ADV
easat-7592	8	13	,	,	PUNCT
easat-7592	8	14	confirming	confirm	VERB
easat-7592	8	15	a	a	DET
easat-7592	8	16	non	non	ADJ
easat-7592	8	17	-	-	ADJ
easat-7592	8	18	linear	linear	ADJ
easat-7592	8	19	relationship	relationship	NOUN
easat-7592	8	20	between	between	ADP
easat-7592	8	21	age	age	NOUN
easat-7592	8	22	and	and	CCONJ
easat-7592	8	23	financial	financial	ADJ
easat-7592	8	24	inclusion	inclusion	NOUN
easat-7592	8	25	measures	measure	NOUN
easat-7592	8	26	.	.	PUNCT
easat-7592	9	1	additionally	additionally	ADV
easat-7592	9	2	,	,	PUNCT
easat-7592	9	3	marital	marital	ADJ
easat-7592	9	4	status	status	NOUN
easat-7592	9	5	,	,	PUNCT
easat-7592	9	6	education	education	NOUN
easat-7592	9	7	,	,	PUNCT
easat-7592	9	8	income	income	NOUN
easat-7592	9	9	,	,	PUNCT
easat-7592	9	10	and	and	CCONJ
easat-7592	9	11	internet	internet	NOUN
easat-7592	9	12	access	access	NOUN
easat-7592	9	13	show	show	VERB
easat-7592	9	14	positive	positive	ADJ
easat-7592	9	15	and	and	CCONJ
easat-7592	9	16	statistically	statistically	ADV
easat-7592	9	17	significant	significant	ADJ
easat-7592	9	18	impacts	impact	NOUN
easat-7592	9	19	.	.	PUNCT
easat-7592	10	1	these	these	DET
easat-7592	10	2	findings	finding	NOUN
easat-7592	10	3	highlight	highlight	VERB
easat-7592	10	4	the	the	DET
easat-7592	10	5	necessity	necessity	NOUN
easat-7592	10	6	of	of	ADP
easat-7592	10	7	targeted	target	VERB
easat-7592	10	8	financial	financial	ADJ
easat-7592	10	9	literacy	literacy	NOUN
easat-7592	10	10	programs	program	NOUN
easat-7592	10	11	,	,	PUNCT
easat-7592	10	12	gender	gender	NOUN
easat-7592	10	13	-	-	PUNCT
easat-7592	10	14	sensitive	sensitive	ADJ
easat-7592	10	15	policy	policy	NOUN
easat-7592	10	16	interventions	intervention	NOUN
easat-7592	10	17	,	,	PUNCT
easat-7592	10	18	and	and	CCONJ
easat-7592	10	19	enhanced	enhance	VERB
easat-7592	10	20	digital	digital	ADJ
easat-7592	10	21	infrastructure	infrastructure	NOUN
easat-7592	10	22	.	.	PUNCT
easat-7592	11	1	practically	practically	ADV
easat-7592	11	2	,	,	PUNCT
easat-7592	11	3	these	these	DET
easat-7592	11	4	implications	implication	NOUN
easat-7592	11	5	assist	assist	VERB
easat-7592	11	6	policymakers	policymaker	NOUN
easat-7592	11	7	in	in	ADP
easat-7592	11	8	designing	design	VERB
easat-7592	11	9	effective	effective	ADJ
easat-7592	11	10	strategies	strategy	NOUN
easat-7592	11	11	to	to	PART
easat-7592	11	12	foster	foster	VERB
easat-7592	11	13	comprehensive	comprehensive	ADJ
easat-7592	11	14	financial	financial	ADJ
easat-7592	11	15	inclusion	inclusion	NOUN
easat-7592	11	16	,	,	PUNCT
easat-7592	11	17	thereby	thereby	ADV
easat-7592	11	18	contributing	contribute	VERB
easat-7592	11	19	to	to	ADP
easat-7592	11	20	vietnam	vietnam	PROPN
easat-7592	11	21	’s	’s	PART
easat-7592	11	22	sustainable	sustainable	ADJ
easat-7592	11	23	economic	economic	ADJ
easat-7592	11	24	growth	growth	NOUN
easat-7592	11	25	and	and	CCONJ
easat-7592	11	26	financial	financial	ADJ
easat-7592	11	27	stability	stability	NOUN
easat-7592	11	28	.	.	PUNCT
easat-7592	12	1	keywords	keyword	NOUN
easat-7592	12	2	:	:	PUNCT
easat-7592	12	3	financial	financial	ADJ
easat-7592	12	4	inclusion	inclusion	NOUN
easat-7592	12	5	,	,	PUNCT
easat-7592	12	6	factors	factor	NOUN
easat-7592	12	7	affecting	affect	VERB
easat-7592	12	8	financial	financial	ADJ
easat-7592	12	9	inclusion	inclusion	NOUN
easat-7592	12	10	.	.	PUNCT
easat-7592	13	1	1	1	X
easat-7592	13	2	.	.	X
easat-7592	13	3	background	background	NOUN
easat-7592	13	4	the	the	DET
easat-7592	13	5	influence	influence	NOUN
easat-7592	13	6	of	of	ADP
easat-7592	13	7	financial	financial	ADJ
easat-7592	13	8	inclusion	inclusion	NOUN
easat-7592	13	9	on	on	ADP
easat-7592	13	10	socio	socio	NOUN
easat-7592	13	11	-	-	PUNCT
easat-7592	13	12	economic	economic	ADJ
easat-7592	13	13	development	development	NOUN
easat-7592	13	14	,	,	PUNCT
easat-7592	13	15	contributing	contribute	VERB
easat-7592	13	16	to	to	ADP
easat-7592	13	17	hunger	hunger	NOUN
easat-7592	13	18	eradication	eradication	NOUN
easat-7592	13	19	and	and	CCONJ
easat-7592	13	20	poverty	poverty	NOUN
easat-7592	13	21	reduction	reduction	NOUN
easat-7592	13	22	,	,	PUNCT
easat-7592	13	23	and	and	CCONJ
easat-7592	13	24	reduction	reduction	NOUN
easat-7592	13	25	of	of	ADP
easat-7592	13	26	inequality	inequality	NOUN
easat-7592	13	27	has	have	AUX
easat-7592	13	28	been	be	AUX
easat-7592	13	29	recognized	recognize	VERB
easat-7592	13	30	by	by	ADP
easat-7592	13	31	the	the	DET
easat-7592	13	32	researchers	researcher	NOUN
easat-7592	13	33	,	,	PUNCT
easat-7592	13	34	international	international	ADJ
easat-7592	13	35	financial	financial	ADJ
easat-7592	13	36	organizations	organization	NOUN
easat-7592	13	37	as	as	ADV
easat-7592	13	38	well	well	ADV
easat-7592	13	39	as	as	ADP
easat-7592	13	40	national	national	ADJ
easat-7592	13	41	governments	government	NOUN
easat-7592	13	42	.	.	PUNCT
easat-7592	14	1	therefore	therefore	ADV
easat-7592	14	2	,	,	PUNCT
easat-7592	14	3	many	many	ADJ
easat-7592	14	4	programs	program	NOUN
easat-7592	14	5	have	have	AUX
easat-7592	14	6	been	be	AUX
easat-7592	14	7	implemented	implement	VERB
easat-7592	14	8	by	by	ADP
easat-7592	14	9	the	the	DET
easat-7592	14	10	international	international	ADJ
easat-7592	14	11	organizations	organization	NOUN
easat-7592	14	12	in	in	ADP
easat-7592	14	13	order	order	NOUN
easat-7592	14	14	to	to	PART
easat-7592	14	15	promote	promote	VERB
easat-7592	14	16	financial	financial	ADJ
easat-7592	14	17	inclusion	inclusion	NOUN
easat-7592	14	18	development	development	NOUN
easat-7592	14	19	,	,	PUNCT
easat-7592	14	20	specifically	specifically	ADV
easat-7592	14	21	:	:	PUNCT
easat-7592	14	22	the	the	DET
easat-7592	14	23	united	united	PROPN
easat-7592	14	24	nations	nations	PROPN
easat-7592	14	25	(	(	PUNCT
easat-7592	14	26	un	un	PROPN
easat-7592	14	27	)	)	PUNCT
easat-7592	14	28	has	have	AUX
easat-7592	14	29	implemented	implement	VERB
easat-7592	14	30	the	the	DET
easat-7592	14	31	programs	program	NOUN
easat-7592	14	32	through	through	ADP
easat-7592	14	33	the	the	DET
easat-7592	14	34	un	un	PROPN
easat-7592	14	35	development	development	PROPN
easat-7592	14	36	investment	investment	PROPN
easat-7592	14	37	fund	fund	PROPN
easat-7592	14	38	;	;	PUNCT
easat-7592	14	39	g20	g20	NOUN
easat-7592	14	40	countries	country	NOUN
easat-7592	14	41	have	have	AUX
easat-7592	14	42	agreed	agree	VERB
easat-7592	14	43	on	on	ADP
easat-7592	14	44	a	a	DET
easat-7592	14	45	set	set	NOUN
easat-7592	14	46	of	of	ADP
easat-7592	14	47	principles	principle	NOUN
easat-7592	14	48	for	for	ADP
easat-7592	14	49	financial	financial	ADJ
easat-7592	14	50	inclusion	inclusion	NOUN
easat-7592	14	51	and	and	CCONJ
easat-7592	14	52	these	these	PRON
easat-7592	14	53	are	be	AUX
easat-7592	14	54	also	also	ADV
easat-7592	14	55	the	the	DET
easat-7592	14	56	focus	focus	NOUN
easat-7592	14	57	of	of	ADP
easat-7592	14	58	the	the	DET
easat-7592	14	59	g20	g20	PROPN
easat-7592	14	60	group	group	NOUN
easat-7592	14	61	action	action	NOUN
easat-7592	14	62	plan	plan	NOUN
easat-7592	14	63	.	.	PUNCT
easat-7592	15	1	asean	asean	PROPN
easat-7592	15	2	considers	consider	VERB
easat-7592	15	3	financial	financial	ADJ
easat-7592	15	4	inclusion	inclusion	NOUN
easat-7592	15	5	as	as	ADP
easat-7592	15	6	one	one	NUM
easat-7592	15	7	of	of	ADP
easat-7592	15	8	the	the	DET
easat-7592	15	9	three	three	NUM
easat-7592	15	10	pillars	pillar	NOUN
easat-7592	15	11	of	of	ADP
easat-7592	15	12	the	the	DET
easat-7592	15	13	asean	asean	ADJ
easat-7592	15	14	economic	economic	ADJ
easat-7592	15	15	community	community	NOUN
easat-7592	15	16	(	(	PUNCT
easat-7592	15	17	aec	aec	PROPN
easat-7592	15	18	)	)	PUNCT
easat-7592	15	19	vision	vision	NOUN
easat-7592	15	20	in	in	ADP
easat-7592	15	21	2030	2030	NUM
easat-7592	15	22	on	on	ADP
easat-7592	15	23	financial	financial	ADJ
easat-7592	15	24	integration	integration	NOUN
easat-7592	15	25	and	and	CCONJ
easat-7592	15	26	has	have	AUX
easat-7592	15	27	established	establish	VERB
easat-7592	15	28	the	the	DET
easat-7592	15	29	working	work	VERB
easat-7592	15	30	group	group	NOUN
easat-7592	15	31	on	on	ADP
easat-7592	15	32	financial	financial	ADJ
easat-7592	15	33	inclusion	inclusion	NOUN
easat-7592	15	34	to	to	PART
easat-7592	15	35	promote	promote	VERB
easat-7592	15	36	this	this	DET
easat-7592	15	37	field	field	NOUN
easat-7592	15	38	in	in	ADP
easat-7592	15	39	the	the	DET
easat-7592	15	40	region	region	NOUN
easat-7592	15	41	;	;	PUNCT
easat-7592	15	42	the	the	DET
easat-7592	15	43	world	world	PROPN
easat-7592	15	44	bank	bank	PROPN
easat-7592	15	45	(	(	PUNCT
easat-7592	15	46	wb	wb	PROPN
easat-7592	15	47	)	)	PUNCT
easat-7592	15	48	and	and	CCONJ
easat-7592	15	49	asian	asian	PROPN
easat-7592	15	50	development	development	PROPN
easat-7592	15	51	bank	bank	PROPN
easat-7592	15	52	(	(	PUNCT
easat-7592	15	53	adb	adb	PROPN
easat-7592	15	54	)	)	PUNCT
easat-7592	15	55	have	have	AUX
easat-7592	15	56	developed	develop	VERB
easat-7592	15	57	the	the	DET
easat-7592	15	58	programs	program	NOUN
easat-7592	15	59	,	,	PUNCT
easat-7592	15	60	projects	project	NOUN
easat-7592	15	61	to	to	PART
easat-7592	15	62	promote	promote	VERB
easat-7592	15	63	the	the	DET
easat-7592	15	64	financial	financial	ADJ
easat-7592	15	65	inclusion	inclusion	NOUN
easat-7592	15	66	in	in	ADP
easat-7592	15	67	many	many	ADJ
easat-7592	15	68	countries	country	NOUN
easat-7592	15	69	.	.	PUNCT
easat-7592	16	1	there	there	PRON
easat-7592	16	2	are	be	VERB
easat-7592	16	3	many	many	ADJ
easat-7592	16	4	countries	country	NOUN
easat-7592	16	5	,	,	PUNCT
easat-7592	16	6	especially	especially	ADV
easat-7592	16	7	developing	develop	VERB
easat-7592	16	8	countries	country	NOUN
easat-7592	16	9	,	,	PUNCT
easat-7592	16	10	that	that	PRON
easat-7592	16	11	have	have	AUX
easat-7592	16	12	been	be	AUX
easat-7592	16	13	building	build	VERB
easat-7592	16	14	national	national	ADJ
easat-7592	16	15	frameworks	framework	NOUN
easat-7592	16	16	and	and	CCONJ
easat-7592	16	17	strategies	strategy	NOUN
easat-7592	16	18	for	for	ADP
easat-7592	16	19	financial	financial	ADJ
easat-7592	16	20	inclusion	inclusion	NOUN
easat-7592	16	21	such	such	ADJ
easat-7592	16	22	as	as	ADP
easat-7592	16	23	india	india	PROPN
easat-7592	16	24	,	,	PUNCT
easat-7592	16	25	thailand	thailand	PROPN
easat-7592	16	26	,	,	PUNCT
easat-7592	16	27	and	and	CCONJ
easat-7592	16	28	malaysia	malaysia	PROPN
easat-7592	16	29	and	and	CCONJ
easat-7592	16	30	have	have	AUX
easat-7592	16	31	initially	initially	ADV
easat-7592	16	32	achieved	achieve	VERB
easat-7592	16	33	positive	positive	ADJ
easat-7592	16	34	results	result	NOUN
easat-7592	16	35	.	.	PUNCT
easat-7592	17	1	vietnam	vietnam	PROPN
easat-7592	17	2	,	,	PUNCT
easat-7592	17	3	a	a	DET
easat-7592	17	4	country	country	NOUN
easat-7592	17	5	with	with	ADP
easat-7592	17	6	a	a	DET
easat-7592	17	7	developing	develop	VERB
easat-7592	17	8	economy	economy	NOUN
easat-7592	17	9	with	with	ADP
easat-7592	17	10	a	a	DET
easat-7592	17	11	population	population	NOUN
easat-7592	17	12	of	of	ADP
easat-7592	17	13	more	more	ADJ
easat-7592	17	14	than	than	ADP
easat-7592	17	15	100	100	NUM
easat-7592	17	16	million	million	NUM
easat-7592	17	17	people	people	NOUN
easat-7592	17	18	,	,	PUNCT
easat-7592	17	19	is	be	AUX
easat-7592	17	20	no	no	DET
easat-7592	17	21	exception	exception	NOUN
easat-7592	17	22	to	to	ADP
easat-7592	17	23	the	the	DET
easat-7592	17	24	above	above	ADJ
easat-7592	17	25	trend	trend	NOUN
easat-7592	17	26	.	.	PUNCT
easat-7592	18	1	in	in	ADP
easat-7592	18	2	that	that	DET
easat-7592	18	3	context	context	NOUN
easat-7592	18	4	,	,	PUNCT
easat-7592	18	5	it	it	PRON
easat-7592	18	6	is	be	AUX
easat-7592	18	7	essential	essential	ADJ
easat-7592	18	8	to	to	PART
easat-7592	18	9	determine	determine	VERB
easat-7592	18	10	what	what	PRON
easat-7592	18	11	factors	factor	NOUN
easat-7592	18	12	impact	impact	VERB
easat-7592	18	13	financial	financial	ADJ
easat-7592	18	14	inclusion	inclusion	NOUN
easat-7592	18	15	in	in	ADP
easat-7592	18	16	vietnam	vietnam	PROPN
easat-7592	18	17	and	and	CCONJ
easat-7592	18	18	then	then	ADV
easat-7592	18	19	make	make	VERB
easat-7592	18	20	appropriate	appropriate	ADJ
easat-7592	18	21	recommendations	recommendation	NOUN
easat-7592	18	22	.	.	PUNCT
easat-7592	19	1	the	the	DET
easat-7592	19	2	goal	goal	NOUN
easat-7592	19	3	of	of	ADP
easat-7592	19	4	the	the	DET
easat-7592	19	5	article	article	NOUN
easat-7592	19	6	is	be	AUX
easat-7592	19	7	to	to	PART
easat-7592	19	8	identify	identify	VERB
easat-7592	19	9	demand	demand	NOUN
easat-7592	19	10	-	-	PUNCT
easat-7592	19	11	side	side	NOUN
easat-7592	19	12	factors	factor	NOUN
easat-7592	19	13	consumer	consumer	NOUN
easat-7592	19	14	characteristics	characteristic	NOUN
easat-7592	19	15	that	that	PRON
easat-7592	19	16	impact	impact	VERB
easat-7592	19	17	the	the	DET
easat-7592	19	18	financial	financial	ADJ
easat-7592	19	19	inclusion	inclusion	NOUN
easat-7592	19	20	in	in	ADP
easat-7592	19	21	vietnam	vietnam	PROPN
easat-7592	19	22	.	.	PUNCT
easat-7592	20	1	the	the	DET
easat-7592	20	2	article	article	NOUN
easat-7592	20	3	will	will	AUX
easat-7592	20	4	include	include	VERB
easat-7592	20	5	the	the	DET
easat-7592	20	6	following	follow	VERB
easat-7592	20	7	4	4	NUM
easat-7592	20	8	parts	part	NOUN
easat-7592	20	9	:	:	PUNCT
easat-7592	20	10	part	part	NOUN
easat-7592	20	11	1	1	NUM
easat-7592	20	12	:	:	PUNCT
easat-7592	20	13	background	background	NOUN
easat-7592	20	14	,	,	PUNCT
easat-7592	20	15	then	then	ADV
easat-7592	20	16	the	the	DET
easat-7592	20	17	article	article	NOUN
easat-7592	20	18	provides	provide	VERB
easat-7592	20	19	an	an	DET
easat-7592	20	20	overall	overall	ADJ
easat-7592	20	21	analysis	analysis	NOUN
easat-7592	20	22	,	,	PUNCT
easat-7592	20	23	study	study	NOUN
easat-7592	20	24	methods	method	NOUN
easat-7592	20	25	as	as	ADV
easat-7592	20	26	well	well	ADV
easat-7592	20	27	as	as	ADP
easat-7592	20	28	study	study	NOUN
easat-7592	20	29	data	datum	NOUN
easat-7592	20	30	,	,	PUNCT
easat-7592	20	31	using	use	VERB
easat-7592	20	32	the	the	DET
easat-7592	20	33	vhlss	vhlss	ADJ
easat-7592	20	34	data	datum	NOUN
easat-7592	20	35	set	set	VERB
easat-7592	20	36	.	.	PUNCT
easat-7592	21	1	after	after	ADP
easat-7592	21	2	that	that	PRON
easat-7592	21	3	,	,	PUNCT
easat-7592	21	4	the	the	DET
easat-7592	21	5	author	author	NOUN
easat-7592	21	6	has	have	AUX
easat-7592	21	7	discussed	discuss	VERB
easat-7592	21	8	the	the	DET
easat-7592	21	9	study	study	NOUN
easat-7592	21	10	results	result	NOUN
easat-7592	21	11	,	,	PUNCT
easat-7592	21	12	based	base	VERB
easat-7592	21	13	on	on	ADP
easat-7592	21	14	this	this	PRON
easat-7592	21	15	,	,	PUNCT
easat-7592	21	16	and	and	CCONJ
easat-7592	21	17	made	make	VERB
easat-7592	21	18	appropriate	appropriate	ADJ
easat-7592	21	19	recommendations	recommendation	NOUN
easat-7592	21	20	for	for	ADP
easat-7592	21	21	vietnam	vietnam	PROPN
easat-7592	21	22	.	.	PUNCT
easat-7592	22	1	https://orcid.org/0009-0007-8316-6864	https://orcid.org/0009-0007-8316-6864	PROPN
easat-7592	22	2	2802	2802	NUM
easat-7592	22	3	edelweiss	edelweiss	PROPN
easat-7592	22	4	applied	apply	VERB
easat-7592	22	5	science	science	NOUN
easat-7592	22	6	and	and	CCONJ
easat-7592	22	7	technology	technology	NOUN
easat-7592	22	8	issn	issn	PROPN
easat-7592	22	9	:	:	PUNCT
easat-7592	22	10	2576	2576	NUM
easat-7592	22	11	-	-	SYM
easat-7592	22	12	8484	8484	NUM
easat-7592	22	13	vol	vol	NOUN
easat-7592	22	14	.	.	PROPN
easat-7592	23	1	9	9	NUM
easat-7592	23	2	,	,	PUNCT
easat-7592	23	3	no	no	INTJ
easat-7592	23	4	.	.	NOUN
easat-7592	23	5	5	5	NUM
easat-7592	23	6	:	:	SYM
easat-7592	23	7	2801	2801	NUM
easat-7592	23	8	-	-	SYM
easat-7592	23	9	2815	2815	NUM
easat-7592	23	10	,	,	PUNCT
easat-7592	23	11	2025	2025	NUM
easat-7592	23	12	doi	doi	NOUN
easat-7592	23	13	:	:	PUNCT
easat-7592	23	14	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	23	15	©	©	PROPN
easat-7592	23	16	2025	2025	NUM
easat-7592	23	17	by	by	ADP
easat-7592	23	18	the	the	DET
easat-7592	23	19	author	author	NOUN
easat-7592	23	20	;	;	PUNCT
easat-7592	23	21	licensee	licensee	PROPN
easat-7592	23	22	learning	learning	NOUN
easat-7592	23	23	gate	gate	NOUN
easat-7592	23	24	2	2	NUM
easat-7592	23	25	.	.	PUNCT
easat-7592	23	26	overview	overview	NOUN
easat-7592	23	27	of	of	ADP
easat-7592	23	28	study	study	NOUN
easat-7592	23	29	on	on	ADP
easat-7592	23	30	demand	demand	NOUN
easat-7592	23	31	-	-	PUNCT
easat-7592	23	32	side	side	NOUN
easat-7592	23	33	factors	factor	NOUN
easat-7592	23	34	affecting	affect	VERB
easat-7592	23	35	financial	financial	ADJ
easat-7592	23	36	inclusion	inclusion	NOUN
easat-7592	23	37	the	the	DET
easat-7592	23	38	consumers	consumer	NOUN
easat-7592	23	39	'	'	PART
easat-7592	23	40	own	own	ADJ
easat-7592	23	41	internal	internal	ADJ
easat-7592	23	42	factors	factor	NOUN
easat-7592	23	43	directly	directly	ADV
easat-7592	23	44	affect	affect	VERB
easat-7592	23	45	the	the	DET
easat-7592	23	46	development	development	NOUN
easat-7592	23	47	of	of	ADP
easat-7592	23	48	financial	financial	ADJ
easat-7592	23	49	inclusion	inclusion	NOUN
easat-7592	23	50	through	through	ADP
easat-7592	23	51	the	the	DET
easat-7592	23	52	personal	personal	ADJ
easat-7592	23	53	characteristics	characteristic	NOUN
easat-7592	23	54	of	of	ADP
easat-7592	23	55	people	people	NOUN
easat-7592	23	56	and	and	CCONJ
easat-7592	23	57	households	household	NOUN
easat-7592	23	58	.	.	PUNCT
easat-7592	24	1	the	the	DET
easat-7592	24	2	studies	study	NOUN
easat-7592	24	3	show	show	VERB
easat-7592	24	4	that	that	SCONJ
easat-7592	24	5	factors	factor	NOUN
easat-7592	24	6	affecting	affect	VERB
easat-7592	24	7	the	the	DET
easat-7592	24	8	financial	financial	ADJ
easat-7592	24	9	inclusion	inclusion	NOUN
easat-7592	24	10	include	include	VERB
easat-7592	24	11	:	:	PUNCT
easat-7592	24	12	gender	gender	NOUN
easat-7592	24	13	,	,	PUNCT
easat-7592	24	14	age	age	NOUN
easat-7592	24	15	,	,	PUNCT
easat-7592	24	16	marital	marital	ADJ
easat-7592	24	17	status	status	NOUN
easat-7592	24	18	,	,	PUNCT
easat-7592	24	19	education	education	NOUN
easat-7592	24	20	level	level	NOUN
easat-7592	24	21	,	,	PUNCT
easat-7592	24	22	income	income	NOUN
easat-7592	24	23	,	,	PUNCT
easat-7592	24	24	internet	internet	NOUN
easat-7592	24	25	use	use	NOUN
easat-7592	24	26	,	,	PUNCT
easat-7592	24	27	saving	save	VERB
easat-7592	24	28	ability	ability	NOUN
easat-7592	24	29	,	,	PUNCT
easat-7592	24	30	level	level	NOUN
easat-7592	24	31	of	of	ADP
easat-7592	24	32	vulnerability	vulnerability	NOUN
easat-7592	24	33	of	of	ADP
easat-7592	24	34	household	household	NOUN
easat-7592	24	35	or	or	CCONJ
easat-7592	24	36	living	living	NOUN
easat-7592	24	37	location	location	NOUN
easat-7592	24	38	(	(	PUNCT
easat-7592	24	39	rural	rural	ADJ
easat-7592	24	40	,	,	PUNCT
easat-7592	24	41	urban	urban	ADJ
easat-7592	24	42	)	)	PUNCT
easat-7592	24	43	.	.	PUNCT
easat-7592	25	1	some	some	DET
easat-7592	25	2	typical	typical	ADJ
easat-7592	25	3	studies	study	NOUN
easat-7592	25	4	can	can	AUX
easat-7592	25	5	be	be	AUX
easat-7592	25	6	mentioned	mention	VERB
easat-7592	25	7	as	as	SCONJ
easat-7592	25	8	follows	follow	VERB
easat-7592	25	9	:	:	PUNCT
easat-7592	25	10	2.1	2.1	NUM
easat-7592	25	11	.	.	PUNCT
easat-7592	26	1	for	for	ADP
easat-7592	26	2	gender	gender	NOUN
easat-7592	26	3	,	,	PUNCT
easat-7592	26	4	age	age	NOUN
easat-7592	26	5	,	,	PUNCT
easat-7592	26	6	marital	marital	ADJ
easat-7592	26	7	status	status	NOUN
easat-7592	26	8	,	,	PUNCT
easat-7592	26	9	education	education	NOUN
easat-7592	26	10	level	level	NOUN
easat-7592	26	11	,	,	PUNCT
easat-7592	26	12	income	income	NOUN
easat-7592	26	13	pena	pena	NOUN
easat-7592	26	14	,	,	PUNCT
easat-7592	26	15	et	et	PROPN
easat-7592	26	16	al	al	PROPN
easat-7592	26	17	.	.	PUNCT
easat-7592	27	1	[	[	X
easat-7592	27	2	1	1	NUM
easat-7592	27	3	]	]	PUNCT
easat-7592	27	4	study	study	NOUN
easat-7592	27	5	conducted	conduct	VERB
easat-7592	27	6	a	a	DET
easat-7592	27	7	case	case	NOUN
easat-7592	27	8	study	study	NOUN
easat-7592	27	9	in	in	ADP
easat-7592	27	10	mexico	mexico	PROPN
easat-7592	27	11	.	.	PUNCT
easat-7592	28	1	the	the	DET
easat-7592	28	2	author	author	NOUN
easat-7592	28	3	used	use	VERB
easat-7592	28	4	the	the	DET
easat-7592	28	5	national	national	ADJ
easat-7592	28	6	financial	financial	ADJ
easat-7592	28	7	inclusion	inclusion	NOUN
easat-7592	28	8	survey	survey	NOUN
easat-7592	28	9	data	datum	NOUN
easat-7592	28	10	set	set	VERB
easat-7592	28	11	conducted	conduct	VERB
easat-7592	28	12	in	in	ADP
easat-7592	28	13	2012	2012	NUM
easat-7592	28	14	for	for	ADP
easat-7592	28	15	7,000	7,000	NUM
easat-7592	28	16	households	household	NOUN
easat-7592	28	17	in	in	ADP
easat-7592	28	18	urban	urban	ADJ
easat-7592	28	19	and	and	CCONJ
easat-7592	28	20	rural	rural	ADJ
easat-7592	28	21	areas	area	NOUN
easat-7592	28	22	of	of	ADP
easat-7592	28	23	mexico	mexico	PROPN
easat-7592	28	24	.	.	PUNCT
easat-7592	29	1	collected	collect	VERB
easat-7592	29	2	data	datum	NOUN
easat-7592	29	3	were	be	AUX
easat-7592	29	4	analyzed	analyze	VERB
easat-7592	29	5	through	through	ADP
easat-7592	29	6	a	a	DET
easat-7592	29	7	linear	linear	ADJ
easat-7592	29	8	regression	regression	NOUN
easat-7592	29	9	model	model	NOUN
easat-7592	29	10	for	for	ADP
easat-7592	29	11	the	the	DET
easat-7592	29	12	independent	independent	ADJ
easat-7592	29	13	variables	variable	NOUN
easat-7592	29	14	:	:	PUNCT
easat-7592	29	15	gender	gender	NOUN
easat-7592	29	16	,	,	PUNCT
easat-7592	29	17	age	age	NOUN
easat-7592	29	18	,	,	PUNCT
easat-7592	29	19	household	household	NOUN
easat-7592	29	20	size	size	NOUN
easat-7592	29	21	,	,	PUNCT
easat-7592	29	22	marital	marital	ADJ
easat-7592	29	23	status	status	NOUN
easat-7592	29	24	,	,	PUNCT
easat-7592	29	25	position	position	NOUN
easat-7592	29	26	in	in	ADP
easat-7592	29	27	the	the	DET
easat-7592	29	28	family	family	NOUN
easat-7592	29	29	,	,	PUNCT
easat-7592	29	30	education	education	NOUN
easat-7592	29	31	level	level	NOUN
easat-7592	29	32	,	,	PUNCT
easat-7592	29	33	title	title	NOUN
easat-7592	29	34	,	,	PUNCT
easat-7592	29	35	salary	salary	NOUN
easat-7592	29	36	,	,	PUNCT
easat-7592	29	37	saving	saving	NOUN
easat-7592	29	38	ability	ability	NOUN
easat-7592	29	39	,	,	PUNCT
easat-7592	29	40	level	level	NOUN
easat-7592	29	41	of	of	ADP
easat-7592	29	42	vulnerability	vulnerability	NOUN
easat-7592	29	43	(	(	PUNCT
easat-7592	29	44	likelihood	likelihood	NOUN
easat-7592	29	45	of	of	ADP
easat-7592	29	46	problems	problem	NOUN
easat-7592	29	47	)	)	PUNCT
easat-7592	29	48	,	,	PUNCT
easat-7592	29	49	support	support	NOUN
easat-7592	29	50	from	from	ADP
easat-7592	29	51	remittances	remittance	NOUN
easat-7592	29	52	,	,	PUNCT
easat-7592	29	53	whether	whether	SCONJ
easat-7592	29	54	employed	employ	VERB
easat-7592	29	55	or	or	CCONJ
easat-7592	29	56	unemployed	unemployed	ADJ
easat-7592	29	57	.	.	PUNCT
easat-7592	30	1	the	the	DET
easat-7592	30	2	study	study	NOUN
easat-7592	30	3	results	result	NOUN
easat-7592	30	4	show	show	VERB
easat-7592	30	5	that	that	SCONJ
easat-7592	30	6	age	age	NOUN
easat-7592	30	7	,	,	PUNCT
easat-7592	30	8	position	position	NOUN
easat-7592	30	9	in	in	ADP
easat-7592	30	10	the	the	DET
easat-7592	30	11	family	family	NOUN
easat-7592	30	12	,	,	PUNCT
easat-7592	30	13	marital	marital	ADJ
easat-7592	30	14	status	status	NOUN
easat-7592	30	15	,	,	PUNCT
easat-7592	30	16	education	education	NOUN
easat-7592	30	17	,	,	PUNCT
easat-7592	30	18	saving	save	VERB
easat-7592	30	19	ability	ability	NOUN
easat-7592	30	20	,	,	PUNCT
easat-7592	30	21	level	level	NOUN
easat-7592	30	22	of	of	ADP
easat-7592	30	23	vulnerability	vulnerability	NOUN
easat-7592	30	24	and	and	CCONJ
easat-7592	30	25	job	job	NOUN
easat-7592	30	26	are	be	AUX
easat-7592	30	27	meaningful	meaningful	ADJ
easat-7592	30	28	factors	factor	NOUN
easat-7592	30	29	in	in	ADP
easat-7592	30	30	the	the	DET
easat-7592	30	31	model	model	NOUN
easat-7592	30	32	.	.	PUNCT
easat-7592	31	1	the	the	DET
easat-7592	31	2	study	study	NOUN
easat-7592	31	3	of	of	ADP
easat-7592	31	4	tuesta	tuesta	PROPN
easat-7592	31	5	,	,	PUNCT
easat-7592	31	6	et	et	PROPN
easat-7592	31	7	al	al	PROPN
easat-7592	31	8	.	.	PUNCT
easat-7592	32	1	[	[	X
easat-7592	32	2	2	2	NUM
easat-7592	32	3	]	]	PUNCT
easat-7592	32	4	was	be	AUX
easat-7592	32	5	conducted	conduct	VERB
easat-7592	32	6	based	base	VERB
easat-7592	32	7	on	on	ADP
easat-7592	32	8	a	a	DET
easat-7592	32	9	survey	survey	NOUN
easat-7592	32	10	data	datum	NOUN
easat-7592	32	11	set	set	VERB
easat-7592	32	12	by	by	ADP
easat-7592	32	13	the	the	DET
easat-7592	32	14	world	world	PROPN
easat-7592	32	15	bank	bank	PROPN
easat-7592	32	16	for	for	ADP
easat-7592	32	17	147	147	NUM
easat-7592	32	18	countries	country	NOUN
easat-7592	32	19	,	,	PUNCT
easat-7592	32	20	each	each	DET
easat-7592	32	21	country	country	NOUN
easat-7592	32	22	had	have	VERB
easat-7592	32	23	at	at	ADV
easat-7592	32	24	least	least	ADJ
easat-7592	32	25	1,000	1,000	NUM
easat-7592	32	26	people	people	NOUN
easat-7592	32	27	at	at	ADP
easat-7592	32	28	age	age	NOUN
easat-7592	32	29	of	of	ADP
easat-7592	32	30	15	15	NUM
easat-7592	32	31	and	and	CCONJ
easat-7592	32	32	older	old	ADJ
easat-7592	32	33	participating	participate	VERB
easat-7592	32	34	in	in	ADP
easat-7592	32	35	the	the	DET
easat-7592	32	36	survey	survey	NOUN
easat-7592	32	37	.	.	PUNCT
easat-7592	33	1	the	the	DET
easat-7592	33	2	author	author	NOUN
easat-7592	33	3	analyzed	analyze	VERB
easat-7592	33	4	the	the	DET
easat-7592	33	5	influence	influence	NOUN
easat-7592	33	6	of	of	ADP
easat-7592	33	7	the	the	DET
easat-7592	33	8	variables	variable	NOUN
easat-7592	33	9	such	such	ADJ
easat-7592	33	10	as	as	ADP
easat-7592	33	11	gender	gender	NOUN
easat-7592	33	12	,	,	PUNCT
easat-7592	33	13	age	age	NOUN
easat-7592	33	14	,	,	PUNCT
easat-7592	33	15	education	education	NOUN
easat-7592	33	16	level	level	NOUN
easat-7592	33	17	and	and	CCONJ
easat-7592	33	18	income	income	NOUN
easat-7592	33	19	on	on	ADP
easat-7592	33	20	the	the	DET
easat-7592	33	21	use	use	NOUN
easat-7592	33	22	of	of	ADP
easat-7592	33	23	financial	financial	ADJ
easat-7592	33	24	inclusion	inclusion	NOUN
easat-7592	33	25	based	base	VERB
easat-7592	33	26	on	on	ADP
easat-7592	33	27	the	the	DET
easat-7592	33	28	probit	probit	NOUN
easat-7592	33	29	regression	regression	NOUN
easat-7592	33	30	model	model	NOUN
easat-7592	33	31	.	.	PUNCT
easat-7592	34	1	the	the	DET
easat-7592	34	2	study	study	NOUN
easat-7592	34	3	results	result	NOUN
easat-7592	34	4	obtained	obtain	VERB
easat-7592	34	5	in	in	ADP
easat-7592	34	6	argentina	argentina	PROPN
easat-7592	34	7	completely	completely	ADV
easat-7592	34	8	coincide	coincide	VERB
easat-7592	34	9	with	with	ADP
easat-7592	34	10	the	the	DET
easat-7592	34	11	study	study	NOUN
easat-7592	34	12	of	of	ADP
easat-7592	34	13	pena	pena	PROPN
easat-7592	34	14	,	,	PUNCT
easat-7592	34	15	et	et	PROPN
easat-7592	34	16	al	al	PROPN
easat-7592	34	17	.	.	PUNCT
easat-7592	35	1	[	[	X
easat-7592	35	2	1	1	X
easat-7592	35	3	]	]	PUNCT
easat-7592	35	4	in	in	ADP
easat-7592	35	5	mexico	mexico	PROPN
easat-7592	35	6	.	.	PUNCT
easat-7592	36	1	specifically	specifically	ADV
easat-7592	36	2	,	,	PUNCT
easat-7592	36	3	age	age	NOUN
easat-7592	36	4	,	,	PUNCT
easat-7592	36	5	education	education	NOUN
easat-7592	36	6	level	level	NOUN
easat-7592	36	7	and	and	CCONJ
easat-7592	36	8	income	income	NOUN
easat-7592	36	9	are	be	AUX
easat-7592	36	10	important	important	ADJ
easat-7592	36	11	variables	variable	NOUN
easat-7592	36	12	that	that	PRON
easat-7592	36	13	affect	affect	VERB
easat-7592	36	14	the	the	DET
easat-7592	36	15	use	use	NOUN
easat-7592	36	16	of	of	ADP
easat-7592	36	17	financial	financial	ADJ
easat-7592	36	18	inclusion	inclusion	NOUN
easat-7592	36	19	products	product	NOUN
easat-7592	36	20	,	,	PUNCT
easat-7592	36	21	whereas	whereas	SCONJ
easat-7592	36	22	gender	gender	NOUN
easat-7592	36	23	is	be	AUX
easat-7592	36	24	an	an	DET
easat-7592	36	25	insignificant	insignificant	ADJ
easat-7592	36	26	variable	variable	NOUN
easat-7592	36	27	in	in	ADP
easat-7592	36	28	the	the	DET
easat-7592	36	29	model	model	NOUN
easat-7592	36	30	.	.	PUNCT
easat-7592	37	1	this	this	DET
easat-7592	37	2	result	result	NOUN
easat-7592	37	3	contributes	contribute	VERB
easat-7592	37	4	to	to	ADP
easat-7592	37	5	confirming	confirm	VERB
easat-7592	37	6	that	that	SCONJ
easat-7592	37	7	consumers	consumer	NOUN
easat-7592	37	8	'	'	PART
easat-7592	37	9	personal	personal	ADJ
easat-7592	37	10	characteristics	characteristic	NOUN
easat-7592	37	11	are	be	AUX
easat-7592	37	12	factors	factor	NOUN
easat-7592	37	13	that	that	PRON
easat-7592	37	14	have	have	VERB
easat-7592	37	15	an	an	DET
easat-7592	37	16	important	important	ADJ
easat-7592	37	17	influence	influence	NOUN
easat-7592	37	18	on	on	ADP
easat-7592	37	19	their	their	PRON
easat-7592	37	20	use	use	NOUN
easat-7592	37	21	of	of	ADP
easat-7592	37	22	financial	financial	ADJ
easat-7592	37	23	inclusion	inclusion	NOUN
easat-7592	37	24	products	product	NOUN
easat-7592	37	25	.	.	PUNCT
easat-7592	38	1	similar	similar	ADJ
easat-7592	38	2	to	to	ADP
easat-7592	38	3	the	the	DET
easat-7592	38	4	study	study	NOUN
easat-7592	38	5	of	of	ADP
easat-7592	38	6	tuesta	tuesta	PROPN
easat-7592	38	7	,	,	PUNCT
easat-7592	38	8	et	et	PROPN
easat-7592	38	9	al	al	PROPN
easat-7592	38	10	.	.	PUNCT
easat-7592	39	1	[	[	X
easat-7592	39	2	2	2	NUM
easat-7592	39	3	]	]	PUNCT
easat-7592	39	4	and	and	CCONJ
easat-7592	39	5	clamara	clamara	PROPN
easat-7592	39	6	,	,	PUNCT
easat-7592	39	7	et	et	PROPN
easat-7592	39	8	al	al	PROPN
easat-7592	39	9	.	.	PUNCT
easat-7592	40	1	[	[	X
easat-7592	40	2	3	3	X
easat-7592	40	3	]	]	PUNCT
easat-7592	40	4	also	also	ADV
easat-7592	40	5	applied	apply	VERB
easat-7592	40	6	the	the	DET
easat-7592	40	7	probit	probit	NOUN
easat-7592	40	8	model	model	NOUN
easat-7592	40	9	to	to	PART
easat-7592	40	10	find	find	VERB
easat-7592	40	11	variables	variable	NOUN
easat-7592	40	12	affecting	affect	VERB
easat-7592	40	13	the	the	DET
easat-7592	40	14	use	use	NOUN
easat-7592	40	15	of	of	ADP
easat-7592	40	16	financial	financial	ADJ
easat-7592	40	17	inclusion	inclusion	NOUN
easat-7592	40	18	.	.	PUNCT
easat-7592	41	1	although	although	SCONJ
easat-7592	41	2	in	in	ADP
easat-7592	41	3	two	two	NUM
easat-7592	41	4	different	different	ADJ
easat-7592	41	5	countries	country	NOUN
easat-7592	41	6	,	,	PUNCT
easat-7592	41	7	the	the	DET
easat-7592	41	8	study	study	NOUN
easat-7592	41	9	results	result	NOUN
easat-7592	41	10	are	be	AUX
easat-7592	41	11	relatively	relatively	ADV
easat-7592	41	12	consistent	consistent	ADJ
easat-7592	41	13	.	.	PUNCT
easat-7592	42	1	specifically	specifically	ADV
easat-7592	42	2	,	,	PUNCT
easat-7592	42	3	age	age	NOUN
easat-7592	42	4	,	,	PUNCT
easat-7592	42	5	income	income	NOUN
easat-7592	42	6	level	level	NOUN
easat-7592	42	7	,	,	PUNCT
easat-7592	42	8	job	job	NOUN
easat-7592	42	9	,	,	PUNCT
easat-7592	42	10	and	and	CCONJ
easat-7592	42	11	education	education	NOUN
easat-7592	42	12	are	be	AUX
easat-7592	42	13	variables	variable	NOUN
easat-7592	42	14	that	that	PRON
easat-7592	42	15	greatly	greatly	ADV
easat-7592	42	16	influence	influence	VERB
easat-7592	42	17	the	the	DET
easat-7592	42	18	use	use	NOUN
easat-7592	42	19	of	of	ADP
easat-7592	42	20	financial	financial	ADJ
easat-7592	42	21	inclusion	inclusion	NOUN
easat-7592	42	22	.	.	PUNCT
easat-7592	43	1	the	the	DET
easat-7592	43	2	results	result	NOUN
easat-7592	43	3	clearly	clearly	ADV
easat-7592	43	4	show	show	VERB
easat-7592	43	5	that	that	SCONJ
easat-7592	43	6	people	people	NOUN
easat-7592	43	7	with	with	ADP
easat-7592	43	8	lower	low	ADJ
easat-7592	43	9	qualifications	qualification	NOUN
easat-7592	43	10	lack	lack	VERB
easat-7592	43	11	the	the	DET
easat-7592	43	12	confidence	confidence	NOUN
easat-7592	43	13	and	and	CCONJ
easat-7592	43	14	skills	skill	NOUN
easat-7592	43	15	necessary	necessary	ADJ
easat-7592	43	16	to	to	PART
easat-7592	43	17	use	use	VERB
easat-7592	43	18	financial	financial	ADJ
easat-7592	43	19	services	service	NOUN
easat-7592	43	20	and	and	CCONJ
easat-7592	43	21	products	product	NOUN
easat-7592	43	22	.	.	PUNCT
easat-7592	44	1	like	like	INTJ
easat-7592	44	2	pena	pena	PROPN
easat-7592	44	3	et	et	PROPN
easat-7592	44	4	al	al	PROPN
easat-7592	44	5	’s	’s	PART
easat-7592	44	6	study	study	NOUN
easat-7592	44	7	in	in	ADP
easat-7592	44	8	mexico	mexico	PROPN
easat-7592	44	9	,	,	PUNCT
easat-7592	44	10	access	access	NOUN
easat-7592	44	11	to	to	ADP
easat-7592	44	12	financial	financial	ADJ
easat-7592	44	13	inclusion	inclusion	NOUN
easat-7592	44	14	will	will	AUX
easat-7592	44	15	be	be	AUX
easat-7592	44	16	higher	high	ADJ
easat-7592	44	17	for	for	ADP
easat-7592	44	18	older	old	ADJ
easat-7592	44	19	people	people	NOUN
easat-7592	44	20	,	,	PUNCT
easat-7592	44	21	but	but	CCONJ
easat-7592	44	22	it	it	PRON
easat-7592	44	23	only	only	ADV
easat-7592	44	24	stops	stop	VERB
easat-7592	44	25	at	at	ADP
easat-7592	44	26	age	age	NOUN
easat-7592	44	27	53	53	NUM
easat-7592	44	28	instead	instead	ADV
easat-7592	44	29	of	of	ADP
easat-7592	44	30	age	age	NOUN
easat-7592	44	31	57.46	57.46	NUM
easat-7592	44	32	like	like	ADP
easat-7592	44	33	in	in	ADP
easat-7592	44	34	mexico	mexico	PROPN
easat-7592	44	35	.	.	PUNCT
easat-7592	45	1	however	however	ADV
easat-7592	45	2	,	,	PUNCT
easat-7592	45	3	unlike	unlike	ADP
easat-7592	45	4	the	the	DET
easat-7592	45	5	above	above	ADJ
easat-7592	45	6	two	two	NUM
easat-7592	45	7	studies	study	NOUN
easat-7592	45	8	,	,	PUNCT
easat-7592	45	9	the	the	DET
easat-7592	45	10	study	study	NOUN
easat-7592	45	11	of	of	ADP
easat-7592	45	12	clamara	clamara	PROPN
easat-7592	45	13	,	,	PUNCT
easat-7592	45	14	et	et	PROPN
easat-7592	45	15	al	al	PROPN
easat-7592	45	16	.	.	PUNCT
easat-7592	46	1	[	[	X
easat-7592	46	2	3	3	X
easat-7592	46	3	]	]	PUNCT
easat-7592	46	4	in	in	ADP
easat-7592	46	5	peru	peru	PROPN
easat-7592	46	6	shows	show	VERB
easat-7592	46	7	that	that	SCONJ
easat-7592	46	8	gender	gender	NOUN
easat-7592	46	9	is	be	AUX
easat-7592	46	10	a	a	DET
easat-7592	46	11	meaningful	meaningful	ADJ
easat-7592	46	12	variable	variable	NOUN
easat-7592	46	13	in	in	ADP
easat-7592	46	14	the	the	DET
easat-7592	46	15	use	use	NOUN
easat-7592	46	16	of	of	ADP
easat-7592	46	17	financial	financial	ADJ
easat-7592	46	18	inclusion	inclusion	NOUN
easat-7592	46	19	products	product	NOUN
easat-7592	46	20	and	and	CCONJ
easat-7592	46	21	services	service	NOUN
easat-7592	46	22	.	.	PUNCT
easat-7592	47	1	for	for	ADP
easat-7592	47	2	women	woman	NOUN
easat-7592	47	3	,	,	PUNCT
easat-7592	47	4	living	live	VERB
easat-7592	47	5	in	in	ADP
easat-7592	47	6	rural	rural	ADJ
easat-7592	47	7	areas	area	NOUN
easat-7592	47	8	with	with	ADP
easat-7592	47	9	low	low	ADJ
easat-7592	47	10	income	income	NOUN
easat-7592	47	11	and	and	CCONJ
easat-7592	47	12	education	education	NOUN
easat-7592	47	13	levels	level	NOUN
easat-7592	47	14	tend	tend	VERB
easat-7592	47	15	not	not	PART
easat-7592	47	16	to	to	PART
easat-7592	47	17	want	want	VERB
easat-7592	47	18	to	to	PART
easat-7592	47	19	access	access	VERB
easat-7592	47	20	formal	formal	ADJ
easat-7592	47	21	financial	financial	ADJ
easat-7592	47	22	resources	resource	NOUN
easat-7592	47	23	.	.	PUNCT
easat-7592	48	1	the	the	DET
easat-7592	48	2	influence	influence	NOUN
easat-7592	48	3	of	of	ADP
easat-7592	48	4	personal	personal	ADJ
easat-7592	48	5	characteristics	characteristic	NOUN
easat-7592	48	6	is	be	AUX
easat-7592	48	7	again	again	ADV
easat-7592	48	8	shared	share	VERB
easat-7592	48	9	in	in	ADP
easat-7592	48	10	the	the	DET
easat-7592	48	11	study	study	NOUN
easat-7592	48	12	of	of	ADP
easat-7592	48	13	demirgüç	demirgüç	PROPN
easat-7592	48	14	-	-	PUNCT
easat-7592	48	15	kunt	kunt	PROPN
easat-7592	48	16	,	,	PUNCT
easat-7592	48	17	et	et	PROPN
easat-7592	48	18	al	al	PROPN
easat-7592	48	19	.	.	PUNCT
easat-7592	49	1	[	[	X
easat-7592	49	2	4	4	X
easat-7592	49	3	]	]	PUNCT
easat-7592	49	4	based	base	VERB
easat-7592	49	5	on	on	ADP
easat-7592	49	6	global	global	ADJ
easat-7592	49	7	financial	financial	ADJ
easat-7592	49	8	inclusion	inclusion	NOUN
easat-7592	49	9	data	datum	NOUN
easat-7592	49	10	of	of	ADP
easat-7592	49	11	140	140	NUM
easat-7592	49	12	developing	develop	VERB
easat-7592	49	13	countries	country	NOUN
easat-7592	49	14	.	.	PUNCT
easat-7592	50	1	the	the	DET
easat-7592	50	2	study	study	NOUN
easat-7592	50	3	results	result	NOUN
easat-7592	50	4	also	also	ADV
easat-7592	50	5	confirm	confirm	VERB
easat-7592	50	6	:	:	PUNCT
easat-7592	50	7	income	income	NOUN
easat-7592	50	8	,	,	PUNCT
easat-7592	50	9	education	education	NOUN
easat-7592	50	10	,	,	PUNCT
easat-7592	50	11	employment	employment	NOUN
easat-7592	50	12	,	,	PUNCT
easat-7592	50	13	age	age	NOUN
easat-7592	50	14	,	,	PUNCT
easat-7592	50	15	marital	marital	ADJ
easat-7592	50	16	status	status	NOUN
easat-7592	50	17	and	and	CCONJ
easat-7592	50	18	gender	gender	NOUN
easat-7592	50	19	are	be	AUX
easat-7592	50	20	factors	factor	NOUN
easat-7592	50	21	that	that	PRON
easat-7592	50	22	affect	affect	VERB
easat-7592	50	23	people	people	NOUN
easat-7592	50	24	's	's	PART
easat-7592	50	25	use	use	NOUN
easat-7592	50	26	of	of	ADP
easat-7592	50	27	financial	financial	ADJ
easat-7592	50	28	services	service	NOUN
easat-7592	50	29	and	and	CCONJ
easat-7592	50	30	products	product	NOUN
easat-7592	50	31	.	.	PUNCT
easat-7592	51	1	2.2	2.2	NUM
easat-7592	51	2	.	.	PUNCT
easat-7592	52	1	for	for	ADP
easat-7592	52	2	place	place	NOUN
easat-7592	52	3	of	of	ADP
easat-7592	52	4	residence	residence	NOUN
easat-7592	52	5	(	(	PUNCT
easat-7592	52	6	urban	urban	ADJ
easat-7592	52	7	/	/	SYM
easat-7592	52	8	rural	rural	NOUN
easat-7592	52	9	)	)	PUNCT
easat-7592	52	10	,	,	PUNCT
easat-7592	52	11	religion	religion	NOUN
easat-7592	52	12	,	,	PUNCT
easat-7592	52	13	level	level	NOUN
easat-7592	52	14	of	of	ADP
easat-7592	52	15	vulnerability	vulnerability	NOUN
easat-7592	52	16	of	of	ADP
easat-7592	52	17	the	the	DET
easat-7592	52	18	household	household	NOUN
easat-7592	52	19	vulnerable	vulnerable	ADJ
easat-7592	52	20	groups	group	NOUN
easat-7592	52	21	,	,	PUNCT
easat-7592	52	22	including	include	VERB
easat-7592	52	23	women	woman	NOUN
easat-7592	52	24	,	,	PUNCT
easat-7592	52	25	youth	youth	NOUN
easat-7592	52	26	and	and	CCONJ
easat-7592	52	27	those	those	PRON
easat-7592	52	28	living	live	VERB
easat-7592	52	29	in	in	ADP
easat-7592	52	30	rural	rural	ADJ
easat-7592	52	31	areas	area	NOUN
easat-7592	52	32	,	,	PUNCT
easat-7592	52	33	often	often	ADV
easat-7592	52	34	have	have	VERB
easat-7592	52	35	difficulty	difficulty	NOUN
easat-7592	52	36	accessing	access	VERB
easat-7592	52	37	financial	financial	ADJ
easat-7592	52	38	and	and	CCONJ
easat-7592	52	39	banking	banking	NOUN
easat-7592	52	40	services	service	NOUN
easat-7592	52	41	.	.	PUNCT
easat-7592	53	1	using	use	VERB
easat-7592	53	2	micro	micro	PROPN
easat-7592	53	3	data	datum	NOUN
easat-7592	53	4	to	to	PART
easat-7592	53	5	examine	examine	VERB
easat-7592	53	6	demand	demand	NOUN
easat-7592	53	7	-	-	PUNCT
easat-7592	53	8	side	side	NOUN
easat-7592	53	9	factors	factor	NOUN
easat-7592	53	10	,	,	PUNCT
easat-7592	53	11	kuri	kuri	PROPN
easat-7592	53	12	and	and	CCONJ
easat-7592	53	13	laha	laha	VERB
easat-7592	53	14	[	[	X
easat-7592	53	15	5	5	NUM
easat-7592	53	16	]	]	PUNCT
easat-7592	53	17	applied	apply	VERB
easat-7592	53	18	a	a	DET
easat-7592	53	19	binary	binary	ADJ
easat-7592	53	20	probit	probit	NOUN
easat-7592	53	21	regression	regression	NOUN
easat-7592	53	22	model	model	NOUN
easat-7592	53	23	to	to	PART
easat-7592	53	24	evaluate	evaluate	VERB
easat-7592	53	25	the	the	DET
easat-7592	53	26	financial	financial	ADJ
easat-7592	53	27	inclusion	inclusion	NOUN
easat-7592	53	28	in	in	ADP
easat-7592	53	29	rural	rural	ADJ
easat-7592	53	30	west	west	PROPN
easat-7592	53	31	bengal	bengal	PROPN
easat-7592	53	32	.	.	PUNCT
easat-7592	54	1	they	they	PRON
easat-7592	54	2	concluded	conclude	VERB
easat-7592	54	3	that	that	SCONJ
easat-7592	54	4	awareness	awareness	NOUN
easat-7592	54	5	levels	level	NOUN
easat-7592	54	6	about	about	ADP
easat-7592	54	7	basic	basic	ADJ
easat-7592	54	8	banking	banking	NOUN
easat-7592	54	9	services	service	NOUN
easat-7592	54	10	,	,	PUNCT
easat-7592	54	11	diversification	diversification	NOUN
easat-7592	54	12	into	into	ADP
easat-7592	54	13	nonagricultural	nonagricultural	ADJ
easat-7592	54	14	sectors	sector	NOUN
easat-7592	54	15	,	,	PUNCT
easat-7592	54	16	and	and	CCONJ
easat-7592	54	17	literacy	literacy	NOUN
easat-7592	54	18	were	be	AUX
easat-7592	54	19	some	some	PRON
easat-7592	54	20	of	of	ADP
easat-7592	54	21	the	the	DET
easat-7592	54	22	important	important	ADJ
easat-7592	54	23	factors	factor	NOUN
easat-7592	54	24	that	that	PRON
easat-7592	54	25	enabled	enable	VERB
easat-7592	54	26	the	the	DET
easat-7592	54	27	expansion	expansion	NOUN
easat-7592	54	28	of	of	ADP
easat-7592	54	29	financial	financial	ADJ
easat-7592	54	30	inclusion	inclusion	NOUN
easat-7592	54	31	.	.	PUNCT
easat-7592	55	1	similarly	similarly	ADV
easat-7592	55	2	,	,	PUNCT
easat-7592	55	3	clamara	clamara	PROPN
easat-7592	55	4	,	,	PUNCT
easat-7592	55	5	et	et	PROPN
easat-7592	55	6	al	al	PROPN
easat-7592	55	7	.	.	PUNCT
easat-7592	56	1	[	[	X
easat-7592	56	2	3	3	X
easat-7592	56	3	]	]	PUNCT
easat-7592	56	4	used	use	VERB
easat-7592	56	5	a	a	DET
easat-7592	56	6	probit	probit	NOUN
easat-7592	56	7	model	model	NOUN
easat-7592	56	8	to	to	PART
easat-7592	56	9	explore	explore	VERB
easat-7592	56	10	individual	individual	ADJ
easat-7592	56	11	characteristics	characteristic	NOUN
easat-7592	56	12	that	that	PRON
easat-7592	56	13	influence	influence	VERB
easat-7592	56	14	the	the	DET
easat-7592	56	15	choice	choice	NOUN
easat-7592	56	16	to	to	PART
easat-7592	56	17	use	use	VERB
easat-7592	56	18	formal	formal	ADJ
easat-7592	56	19	financial	financial	ADJ
easat-7592	56	20	services	service	NOUN
easat-7592	56	21	.	.	PUNCT
easat-7592	57	1	their	their	PRON
easat-7592	57	2	study	study	NOUN
easat-7592	57	3	shows	show	VERB
easat-7592	57	4	that	that	SCONJ
easat-7592	57	5	vulnerable	vulnerable	ADJ
easat-7592	57	6	groups	group	NOUN
easat-7592	57	7	,	,	PUNCT
easat-7592	57	8	including	include	VERB
easat-7592	57	9	women	woman	NOUN
easat-7592	57	10	,	,	PUNCT
easat-7592	57	11	youth	youth	NOUN
easat-7592	57	12	and	and	CCONJ
easat-7592	57	13	those	those	PRON
easat-7592	57	14	living	live	VERB
easat-7592	57	15	in	in	ADP
easat-7592	57	16	rural	rural	ADJ
easat-7592	57	17	areas	area	NOUN
easat-7592	57	18	,	,	PUNCT
easat-7592	57	19	often	often	ADV
easat-7592	57	20	have	have	VERB
easat-7592	57	21	difficulty	difficulty	NOUN
easat-7592	57	22	accessing	access	VERB
easat-7592	57	23	financial	financial	ADJ
easat-7592	57	24	and	and	CCONJ
easat-7592	57	25	banking	banking	NOUN
easat-7592	57	26	services	service	NOUN
easat-7592	57	27	.	.	PUNCT
easat-7592	58	1	for	for	ADP
easat-7592	58	2	small	small	ADJ
easat-7592	58	3	enterprises	enterprise	NOUN
easat-7592	58	4	,	,	PUNCT
easat-7592	58	5	the	the	DET
easat-7592	58	6	type	type	NOUN
easat-7592	58	7	of	of	ADP
easat-7592	58	8	business	business	NOUN
easat-7592	58	9	as	as	ADV
easat-7592	58	10	well	well	ADV
easat-7592	58	11	as	as	ADP
easat-7592	58	12	the	the	DET
easat-7592	58	13	education	education	NOUN
easat-7592	58	14	level	level	NOUN
easat-7592	58	15	of	of	ADP
easat-7592	58	16	the	the	DET
easat-7592	58	17	leader	leader	NOUN
easat-7592	58	18	are	be	AUX
easat-7592	58	19	factors	factor	NOUN
easat-7592	58	20	that	that	PRON
easat-7592	58	21	affect	affect	VERB
easat-7592	58	22	access	access	NOUN
easat-7592	58	23	to	to	ADP
easat-7592	58	24	financial	financial	ADJ
easat-7592	58	25	services	service	NOUN
easat-7592	58	26	.	.	PUNCT
easat-7592	59	1	in	in	ADP
easat-7592	59	2	addition	addition	NOUN
easat-7592	59	3	,	,	PUNCT
easat-7592	59	4	carpenter	carpenter	NOUN
easat-7592	59	5	and	and	CCONJ
easat-7592	59	6	2803	2803	NUM
easat-7592	59	7	edelweiss	edelweiss	PROPN
easat-7592	59	8	applied	apply	VERB
easat-7592	59	9	science	science	NOUN
easat-7592	59	10	and	and	CCONJ
easat-7592	59	11	technology	technology	NOUN
easat-7592	59	12	issn	issn	PROPN
easat-7592	59	13	:	:	PUNCT
easat-7592	59	14	2576	2576	NUM
easat-7592	59	15	-	-	SYM
easat-7592	59	16	8484	8484	NUM
easat-7592	59	17	vol	vol	NOUN
easat-7592	59	18	.	.	PROPN
easat-7592	60	1	9	9	NUM
easat-7592	60	2	,	,	PUNCT
easat-7592	60	3	no	no	INTJ
easat-7592	60	4	.	.	NOUN
easat-7592	60	5	5	5	NUM
easat-7592	60	6	:	:	SYM
easat-7592	60	7	2801	2801	NUM
easat-7592	60	8	-	-	SYM
easat-7592	60	9	2815	2815	NUM
easat-7592	60	10	,	,	PUNCT
easat-7592	60	11	2025	2025	NUM
easat-7592	60	12	doi	doi	NOUN
easat-7592	60	13	:	:	PUNCT
easat-7592	60	14	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	60	15	©	©	PROPN
easat-7592	60	16	2025	2025	NUM
easat-7592	60	17	by	by	ADP
easat-7592	60	18	the	the	DET
easat-7592	60	19	author	author	NOUN
easat-7592	60	20	;	;	PUNCT
easat-7592	60	21	licensee	licensee	PROPN
easat-7592	60	22	learning	learning	PROPN
easat-7592	60	23	gate	gate	PROPN
easat-7592	60	24	petersen	petersen	PROPN
easat-7592	60	25	[	[	X
easat-7592	60	26	6	6	NUM
easat-7592	60	27	]	]	PUNCT
easat-7592	60	28	link	link	VERB
easat-7592	60	29	the	the	DET
easat-7592	60	30	use	use	NOUN
easat-7592	60	31	of	of	ADP
easat-7592	60	32	financial	financial	ADJ
easat-7592	60	33	services	service	NOUN
easat-7592	60	34	with	with	ADP
easat-7592	60	35	the	the	DET
easat-7592	60	36	growth	growth	NOUN
easat-7592	60	37	of	of	ADP
easat-7592	60	38	enterprises	enterprise	NOUN
easat-7592	60	39	and	and	CCONJ
easat-7592	60	40	show	show	VERB
easat-7592	60	41	that	that	SCONJ
easat-7592	60	42	the	the	DET
easat-7592	60	43	enterprises	enterprise	NOUN
easat-7592	60	44	with	with	ADP
easat-7592	60	45	strong	strong	ADJ
easat-7592	60	46	growth	growth	NOUN
easat-7592	60	47	,	,	PUNCT
easat-7592	60	48	especially	especially	ADV
easat-7592	60	49	small	small	ADJ
easat-7592	60	50	enterprises	enterprise	NOUN
easat-7592	60	51	,	,	PUNCT
easat-7592	60	52	will	will	AUX
easat-7592	60	53	use	use	VERB
easat-7592	60	54	more	more	ADJ
easat-7592	60	55	loans	loan	NOUN
easat-7592	60	56	.	.	PUNCT
easat-7592	61	1	at	at	ADP
easat-7592	61	2	the	the	DET
easat-7592	61	3	household	household	NOUN
easat-7592	61	4	level	level	NOUN
easat-7592	61	5	,	,	PUNCT
easat-7592	61	6	several	several	ADJ
easat-7592	61	7	studies	study	NOUN
easat-7592	61	8	of	of	ADP
easat-7592	61	9	formal	formal	ADJ
easat-7592	61	10	banking	banking	NOUN
easat-7592	61	11	services	service	NOUN
easat-7592	61	12	in	in	ADP
easat-7592	61	13	mexico	mexico	PROPN
easat-7592	61	14	and	and	CCONJ
easat-7592	61	15	transition	transition	NOUN
easat-7592	61	16	countries	country	NOUN
easat-7592	61	17	have	have	AUX
easat-7592	61	18	shown	show	VERB
easat-7592	61	19	how	how	SCONJ
easat-7592	61	20	household	household	NOUN
easat-7592	61	21	characteristics	characteristic	NOUN
easat-7592	61	22	influence	influence	VERB
easat-7592	61	23	formal	formal	ADJ
easat-7592	61	24	financial	financial	ADJ
easat-7592	61	25	access	access	NOUN
easat-7592	61	26	.	.	PUNCT
easat-7592	62	1	beck	beck	PROPN
easat-7592	62	2	,	,	PUNCT
easat-7592	62	3	et	et	PROPN
easat-7592	62	4	al	al	PROPN
easat-7592	62	5	.	.	PUNCT
easat-7592	63	1	[	[	X
easat-7592	63	2	7	7	X
easat-7592	63	3	]	]	PUNCT
easat-7592	63	4	use	use	NOUN
easat-7592	63	5	data	datum	NOUN
easat-7592	63	6	from	from	ADP
easat-7592	63	7	the	the	DET
easat-7592	63	8	european	european	PROPN
easat-7592	63	9	bank	bank	PROPN
easat-7592	63	10	for	for	ADP
easat-7592	63	11	reconstruction	reconstruction	NOUN
easat-7592	63	12	and	and	CCONJ
easat-7592	63	13	development	development	NOUN
easat-7592	63	14	(	(	PUNCT
easat-7592	63	15	ebrd	ebrd	PROPN
easat-7592	63	16	)	)	PUNCT
easat-7592	63	17	to	to	PART
easat-7592	63	18	assess	assess	VERB
easat-7592	63	19	factors	factor	NOUN
easat-7592	63	20	affecting	affect	VERB
easat-7592	63	21	access	access	NOUN
easat-7592	63	22	to	to	ADP
easat-7592	63	23	formal	formal	ADJ
easat-7592	63	24	banking	banking	NOUN
easat-7592	63	25	services	service	NOUN
easat-7592	63	26	at	at	ADP
easat-7592	63	27	the	the	DET
easat-7592	63	28	household	household	NOUN
easat-7592	63	29	level	level	NOUN
easat-7592	63	30	.	.	PUNCT
easat-7592	64	1	the	the	DET
easat-7592	64	2	author	author	NOUN
easat-7592	64	3	also	also	ADV
easat-7592	64	4	shows	show	VERB
easat-7592	64	5	that	that	SCONJ
easat-7592	64	6	there	there	PRON
easat-7592	64	7	is	be	VERB
easat-7592	64	8	a	a	DET
easat-7592	64	9	significant	significant	ADJ
easat-7592	64	10	influence	influence	NOUN
easat-7592	64	11	of	of	ADP
easat-7592	64	12	factors	factor	NOUN
easat-7592	64	13	such	such	ADJ
easat-7592	64	14	as	as	ADP
easat-7592	64	15	religion	religion	NOUN
easat-7592	64	16	and	and	CCONJ
easat-7592	64	17	ethnicity	ethnicity	NOUN
easat-7592	64	18	as	as	ADV
easat-7592	64	19	well	well	ADV
easat-7592	64	20	as	as	ADP
easat-7592	64	21	whether	whether	SCONJ
easat-7592	64	22	living	living	NOUN
easat-7592	64	23	is	be	AUX
easat-7592	64	24	urban	urban	ADJ
easat-7592	64	25	or	or	CCONJ
easat-7592	64	26	rural	rural	ADJ
easat-7592	64	27	.	.	PUNCT
easat-7592	65	1	2.3	2.3	NUM
easat-7592	65	2	.	.	X
easat-7592	66	1	for	for	ADP
easat-7592	66	2	internet	internet	NOUN
easat-7592	66	3	access	access	NOUN
easat-7592	66	4	in	in	ADP
easat-7592	66	5	particular	particular	ADJ
easat-7592	66	6	,	,	PUNCT
easat-7592	66	7	internet	internet	NOUN
easat-7592	66	8	access	access	NOUN
easat-7592	66	9	is	be	AUX
easat-7592	66	10	a	a	DET
easat-7592	66	11	notable	notable	ADJ
easat-7592	66	12	factor	factor	NOUN
easat-7592	66	13	in	in	ADP
easat-7592	66	14	the	the	DET
easat-7592	66	15	demand	demand	NOUN
easat-7592	66	16	side	side	NOUN
easat-7592	66	17	factor	factor	NOUN
easat-7592	66	18	.	.	PUNCT
easat-7592	67	1	a	a	DET
easat-7592	67	2	growing	grow	VERB
easat-7592	67	3	internet	internet	NOUN
easat-7592	67	4	network	network	NOUN
easat-7592	67	5	can	can	AUX
easat-7592	67	6	significantly	significantly	ADV
easat-7592	67	7	reduce	reduce	VERB
easat-7592	67	8	transaction	transaction	NOUN
easat-7592	67	9	costs	cost	NOUN
easat-7592	67	10	,	,	PUNCT
easat-7592	67	11	through	through	ADP
easat-7592	67	12	mobile	mobile	ADJ
easat-7592	67	13	phones	phone	NOUN
easat-7592	67	14	and	and	CCONJ
easat-7592	67	15	atms	atms	NOUN
easat-7592	67	16	.	.	PUNCT
easat-7592	68	1	furthermore	furthermore	ADV
easat-7592	68	2	,	,	PUNCT
easat-7592	68	3	the	the	DET
easat-7592	68	4	internet	internet	NOUN
easat-7592	68	5	has	have	AUX
easat-7592	68	6	increased	increase	VERB
easat-7592	68	7	the	the	DET
easat-7592	68	8	potential	potential	NOUN
easat-7592	68	9	for	for	ADP
easat-7592	68	10	credit	credit	NOUN
easat-7592	68	11	activities	activity	NOUN
easat-7592	68	12	in	in	ADP
easat-7592	68	13	rural	rural	ADJ
easat-7592	68	14	and	and	CCONJ
easat-7592	68	15	remote	remote	ADJ
easat-7592	68	16	areas	area	NOUN
easat-7592	68	17	.	.	PUNCT
easat-7592	69	1	okoroafor	okoroafor	PROPN
easat-7592	69	2	,	,	PUNCT
easat-7592	69	3	et	et	PROPN
easat-7592	69	4	al	al	PROPN
easat-7592	69	5	.	.	PUNCT
easat-7592	70	1	[	[	X
easat-7592	70	2	8	8	NUM
easat-7592	70	3	]	]	PUNCT
easat-7592	70	4	study	study	NOUN
easat-7592	70	5	examined	examine	VERB
easat-7592	70	6	the	the	DET
easat-7592	70	7	determinants	determinant	NOUN
easat-7592	70	8	of	of	ADP
easat-7592	70	9	financial	financial	ADJ
easat-7592	70	10	inclusion	inclusion	NOUN
easat-7592	70	11	in	in	ADP
easat-7592	70	12	nigeria	nigeria	PROPN
easat-7592	70	13	using	use	VERB
easat-7592	70	14	time	time	NOUN
easat-7592	70	15	series	series	PROPN
easat-7592	70	16	data	datum	NOUN
easat-7592	70	17	from	from	ADP
easat-7592	70	18	1990	1990	NUM
easat-7592	70	19	to	to	ADP
easat-7592	70	20	2016	2016	NUM
easat-7592	70	21	.	.	PUNCT
easat-7592	71	1	the	the	DET
easat-7592	71	2	study	study	NOUN
easat-7592	71	3	used	use	VERB
easat-7592	71	4	error	error	NOUN
easat-7592	71	5	correction	correction	NOUN
easat-7592	71	6	model	model	NOUN
easat-7592	71	7	(	(	PUNCT
easat-7592	71	8	ecm	ecm	PROPN
easat-7592	71	9	)	)	PUNCT
easat-7592	71	10	after	after	ADP
easat-7592	71	11	performing	perform	VERB
easat-7592	71	12	unit	unit	NOUN
easat-7592	71	13	root	root	NOUN
easat-7592	71	14	testing	testing	NOUN
easat-7592	71	15	and	and	CCONJ
easat-7592	71	16	cointegration	cointegration	NOUN
easat-7592	71	17	testing	testing	NOUN
easat-7592	71	18	.	.	PUNCT
easat-7592	72	1	the	the	DET
easat-7592	72	2	estimated	estimate	VERB
easat-7592	72	3	results	result	NOUN
easat-7592	72	4	show	show	VERB
easat-7592	72	5	a	a	DET
easat-7592	72	6	positive	positive	ADJ
easat-7592	72	7	and	and	CCONJ
easat-7592	72	8	significant	significant	ADJ
easat-7592	72	9	relationship	relationship	NOUN
easat-7592	72	10	between	between	ADP
easat-7592	72	11	the	the	DET
easat-7592	72	12	financial	financial	ADJ
easat-7592	72	13	inclusion	inclusion	NOUN
easat-7592	72	14	and	and	CCONJ
easat-7592	72	15	the	the	DET
easat-7592	72	16	proposed	propose	VERB
easat-7592	72	17	variables	variable	NOUN
easat-7592	72	18	.	.	PUNCT
easat-7592	73	1	notably	notably	ADV
easat-7592	73	2	,	,	PUNCT
easat-7592	73	3	the	the	DET
easat-7592	73	4	variable	variable	NOUN
easat-7592	73	5	of	of	ADP
easat-7592	73	6	internet	internet	NOUN
easat-7592	73	7	users	user	NOUN
easat-7592	73	8	over	over	ADP
easat-7592	73	9	100	100	NUM
easat-7592	73	10	people	people	NOUN
easat-7592	73	11	has	have	VERB
easat-7592	73	12	a	a	DET
easat-7592	73	13	positive	positive	ADJ
easat-7592	73	14	and	and	CCONJ
easat-7592	73	15	significant	significant	ADJ
easat-7592	73	16	impact	impact	NOUN
easat-7592	73	17	on	on	ADP
easat-7592	73	18	financial	financial	ADJ
easat-7592	73	19	inclusion	inclusion	NOUN
easat-7592	73	20	.	.	PUNCT
easat-7592	74	1	this	this	DET
easat-7592	74	2	result	result	NOUN
easat-7592	74	3	is	be	AUX
easat-7592	74	4	similar	similar	ADJ
easat-7592	74	5	to	to	ADP
easat-7592	74	6	sarma	sarma	PROPN
easat-7592	74	7	and	and	CCONJ
easat-7592	74	8	pais	pais	NOUN
easat-7592	75	1	[	[	X
easat-7592	75	2	9	9	NUM
easat-7592	75	3	]	]	PUNCT
easat-7592	75	4	and	and	CCONJ
easat-7592	75	5	allen	allen	PROPN
easat-7592	75	6	,	,	PUNCT
easat-7592	75	7	et	et	PROPN
easat-7592	75	8	al	al	PROPN
easat-7592	75	9	.	.	PUNCT
easat-7592	76	1	[	[	X
easat-7592	76	2	10	10	NUM
easat-7592	76	3	]	]	PUNCT
easat-7592	76	4	who	who	PRON
easat-7592	76	5	pointed	point	VERB
easat-7592	76	6	out	out	ADP
easat-7592	76	7	that	that	SCONJ
easat-7592	76	8	internet	internet	NOUN
easat-7592	76	9	access	access	NOUN
easat-7592	76	10	is	be	AUX
easat-7592	76	11	an	an	DET
easat-7592	76	12	essential	essential	ADJ
easat-7592	76	13	factor	factor	NOUN
easat-7592	76	14	in	in	ADP
easat-7592	76	15	the	the	DET
easat-7592	76	16	digital	digital	ADJ
easat-7592	76	17	and	and	CCONJ
easat-7592	76	18	fastmoving	fastmove	VERB
easat-7592	76	19	economy	economy	NOUN
easat-7592	76	20	.	.	PUNCT
easat-7592	77	1	this	this	PRON
easat-7592	77	2	is	be	AUX
easat-7592	77	3	demonstrated	demonstrate	VERB
easat-7592	77	4	in	in	ADP
easat-7592	77	5	the	the	DET
easat-7592	77	6	case	case	NOUN
easat-7592	77	7	of	of	ADP
easat-7592	77	8	kenya	kenya	PROPN
easat-7592	77	9	,	,	PUNCT
easat-7592	77	10	where	where	SCONJ
easat-7592	77	11	m	m	PROPN
easat-7592	77	12	-	-	NOUN
easat-7592	77	13	pesa	pesa	NOUN
easat-7592	77	14	has	have	AUX
easat-7592	77	15	transformed	transform	VERB
easat-7592	77	16	many	many	ADJ
easat-7592	77	17	banking	banking	NOUN
easat-7592	77	18	and	and	CCONJ
easat-7592	77	19	financial	financial	ADJ
easat-7592	77	20	services	service	NOUN
easat-7592	77	21	sectors	sector	NOUN
easat-7592	77	22	.	.	PUNCT
easat-7592	78	1	2.4	2.4	NUM
easat-7592	78	2	.	.	PUNCT
easat-7592	79	1	for	for	ADP
easat-7592	79	2	level	level	NOUN
easat-7592	79	3	of	of	ADP
easat-7592	79	4	trust	trust	NOUN
easat-7592	79	5	in	in	ADP
easat-7592	79	6	formal	formal	ADJ
easat-7592	79	7	credit	credit	NOUN
easat-7592	79	8	turvey	turvey	NOUN
easat-7592	79	9	and	and	CCONJ
easat-7592	79	10	kong	kong	NOUN
easat-7592	79	11	[	[	X
easat-7592	79	12	11	11	NUM
easat-7592	79	13	]	]	PUNCT
easat-7592	79	14	used	use	VERB
easat-7592	79	15	a	a	DET
easat-7592	79	16	survey	survey	NOUN
easat-7592	79	17	data	datum	NOUN
easat-7592	79	18	set	set	VERB
easat-7592	79	19	from	from	ADP
easat-7592	79	20	more	more	ADJ
easat-7592	79	21	than	than	ADP
easat-7592	79	22	1,500	1,500	NUM
easat-7592	79	23	farming	farming	NOUN
easat-7592	79	24	households	household	NOUN
easat-7592	79	25	to	to	PART
easat-7592	79	26	compare	compare	VERB
easat-7592	79	27	the	the	DET
easat-7592	79	28	decision	decision	NOUN
easat-7592	79	29	to	to	PART
easat-7592	79	30	choose	choose	VERB
easat-7592	79	31	between	between	ADP
easat-7592	79	32	formal	formal	ADJ
easat-7592	79	33	and	and	CCONJ
easat-7592	79	34	informal	informal	ADJ
easat-7592	79	35	loans	loan	NOUN
easat-7592	79	36	.	.	PUNCT
easat-7592	80	1	the	the	DET
easat-7592	80	2	results	result	NOUN
easat-7592	80	3	show	show	VERB
easat-7592	80	4	that	that	SCONJ
easat-7592	80	5	there	there	PRON
easat-7592	80	6	is	be	VERB
easat-7592	80	7	a	a	DET
easat-7592	80	8	positive	positive	ADJ
easat-7592	80	9	relationship	relationship	NOUN
easat-7592	80	10	between	between	ADP
easat-7592	80	11	trust	trust	NOUN
easat-7592	80	12	and	and	CCONJ
easat-7592	80	13	informal	informal	ADJ
easat-7592	80	14	credit	credit	NOUN
easat-7592	80	15	,	,	PUNCT
easat-7592	80	16	and	and	CCONJ
easat-7592	80	17	distrust	distrust	NOUN
easat-7592	80	18	and	and	CCONJ
easat-7592	80	19	choosing	choose	VERB
easat-7592	80	20	to	to	PART
easat-7592	80	21	use	use	VERB
easat-7592	80	22	formal	formal	ADJ
easat-7592	80	23	credit	credit	NOUN
easat-7592	80	24	.	.	PUNCT
easat-7592	81	1	it	it	PRON
easat-7592	81	2	shows	show	VERB
easat-7592	81	3	that	that	SCONJ
easat-7592	81	4	more	more	ADJ
easat-7592	81	5	than	than	ADP
easat-7592	81	6	67	67	NUM
easat-7592	81	7	%	%	NOUN
easat-7592	81	8	of	of	ADP
easat-7592	81	9	farming	farming	NOUN
easat-7592	81	10	households	household	NOUN
easat-7592	81	11	borrow	borrow	VERB
easat-7592	81	12	from	from	ADP
easat-7592	81	13	their	their	PRON
easat-7592	81	14	friends	friend	NOUN
easat-7592	81	15	and	and	CCONJ
easat-7592	81	16	relatives	relative	NOUN
easat-7592	81	17	,	,	PUNCT
easat-7592	81	18	it	it	PRON
easat-7592	81	19	is	be	AUX
easat-7592	81	20	clear	clear	ADJ
easat-7592	81	21	that	that	SCONJ
easat-7592	81	22	the	the	DET
easat-7592	81	23	importance	importance	NOUN
easat-7592	81	24	of	of	ADP
easat-7592	81	25	informal	informal	ADJ
easat-7592	81	26	loan	loan	NOUN
easat-7592	81	27	in	in	ADP
easat-7592	81	28	credit	credit	NOUN
easat-7592	81	29	sources	source	NOUN
easat-7592	81	30	for	for	ADP
easat-7592	81	31	farming	farming	NOUN
easat-7592	81	32	households	household	NOUN
easat-7592	81	33	can	can	AUX
easat-7592	81	34	not	not	PART
easat-7592	81	35	be	be	AUX
easat-7592	81	36	ignored	ignore	VERB
easat-7592	81	37	.	.	PUNCT
easat-7592	82	1	similarly	similarly	ADV
easat-7592	82	2	,	,	PUNCT
easat-7592	82	3	karlan	karlan	NOUN
easat-7592	82	4	and	and	CCONJ
easat-7592	82	5	zinman	zinman	NOUN
easat-7592	83	1	[	[	X
easat-7592	83	2	12	12	NUM
easat-7592	83	3	]	]	PUNCT
easat-7592	83	4	find	find	VERB
easat-7592	83	5	that	that	SCONJ
easat-7592	83	6	trust	trust	NOUN
easat-7592	83	7	can	can	AUX
easat-7592	83	8	be	be	AUX
easat-7592	83	9	an	an	DET
easat-7592	83	10	important	important	ADJ
easat-7592	83	11	indicator	indicator	NOUN
easat-7592	83	12	for	for	ADP
easat-7592	83	13	informal	informal	ADJ
easat-7592	83	14	loan	loan	NOUN
easat-7592	83	15	between	between	ADP
easat-7592	83	16	friends	friend	NOUN
easat-7592	83	17	and	and	CCONJ
easat-7592	83	18	relatives	relative	NOUN
easat-7592	83	19	in	in	ADP
easat-7592	83	20	peru	peru	PROPN
easat-7592	83	21	.	.	PUNCT
easat-7592	84	1	hoff	hoff	PROPN
easat-7592	84	2	,	,	PUNCT
easat-7592	84	3	et	et	PROPN
easat-7592	84	4	al	al	PROPN
easat-7592	84	5	.	.	PUNCT
easat-7592	85	1	[	[	X
easat-7592	85	2	13	13	NUM
easat-7592	85	3	]	]	PUNCT
easat-7592	85	4	suggest	suggest	VERB
easat-7592	85	5	that	that	SCONJ
easat-7592	85	6	information	information	NOUN
easat-7592	85	7	asymmetry	asymmetry	NOUN
easat-7592	85	8	among	among	ADP
easat-7592	85	9	the	the	DET
easat-7592	85	10	members	member	NOUN
easat-7592	85	11	of	of	ADP
easat-7592	85	12	the	the	DET
easat-7592	85	13	community	community	NOUN
easat-7592	85	14	is	be	AUX
easat-7592	85	15	much	much	ADV
easat-7592	85	16	less	less	ADJ
easat-7592	85	17	than	than	ADP
easat-7592	85	18	information	information	NOUN
easat-7592	85	19	asymmetry	asymmetry	NOUN
easat-7592	85	20	between	between	ADP
easat-7592	85	21	the	the	DET
easat-7592	85	22	official	official	ADJ
easat-7592	85	23	lender	lender	NOUN
easat-7592	85	24	and	and	CCONJ
easat-7592	85	25	the	the	DET
easat-7592	85	26	community	community	NOUN
easat-7592	85	27	and	and	CCONJ
easat-7592	85	28	this	this	PRON
easat-7592	85	29	can	can	AUX
easat-7592	85	30	also	also	ADV
easat-7592	85	31	be	be	AUX
easat-7592	85	32	explained	explain	VERB
easat-7592	85	33	the	the	DET
easat-7592	85	34	power	power	NOUN
easat-7592	85	35	of	of	ADP
easat-7592	85	36	informal	informal	ADJ
easat-7592	85	37	loan	loan	NOUN
easat-7592	85	38	;	;	PUNCT
easat-7592	85	39	but	but	CCONJ
easat-7592	85	40	this	this	PRON
easat-7592	85	41	also	also	ADV
easat-7592	85	42	suggests	suggest	VERB
easat-7592	85	43	that	that	SCONJ
easat-7592	85	44	credit	credit	NOUN
easat-7592	85	45	allocation	allocation	NOUN
easat-7592	85	46	will	will	AUX
easat-7592	85	47	persist	persist	VERB
easat-7592	85	48	and	and	CCONJ
easat-7592	85	49	that	that	SCONJ
easat-7592	85	50	this	this	PRON
easat-7592	85	51	will	will	AUX
easat-7592	85	52	result	result	VERB
easat-7592	85	53	in	in	ADP
easat-7592	85	54	informal	informal	ADJ
easat-7592	85	55	loan	loan	NOUN
easat-7592	85	56	remaining	remain	VERB
easat-7592	85	57	highly	highly	ADV
easat-7592	85	58	influential	influential	ADJ
easat-7592	85	59	.	.	PUNCT
easat-7592	86	1	thus	thus	ADV
easat-7592	86	2	,	,	PUNCT
easat-7592	86	3	the	the	DET
easat-7592	86	4	studies	study	NOUN
easat-7592	86	5	were	be	AUX
easat-7592	86	6	conducted	conduct	VERB
easat-7592	86	7	in	in	ADP
easat-7592	86	8	different	different	ADJ
easat-7592	86	9	countries	country	NOUN
easat-7592	86	10	,	,	PUNCT
easat-7592	86	11	but	but	CCONJ
easat-7592	86	12	the	the	DET
easat-7592	86	13	study	study	NOUN
easat-7592	86	14	results	result	NOUN
easat-7592	86	15	show	show	VERB
easat-7592	86	16	that	that	SCONJ
easat-7592	86	17	although	although	SCONJ
easat-7592	86	18	in	in	ADP
easat-7592	86	19	different	different	ADJ
easat-7592	86	20	countries	country	NOUN
easat-7592	86	21	,	,	PUNCT
easat-7592	86	22	the	the	DET
easat-7592	86	23	development	development	NOUN
easat-7592	86	24	conditions	condition	NOUN
easat-7592	86	25	of	of	ADP
easat-7592	86	26	the	the	DET
easat-7592	86	27	financial	financial	ADJ
easat-7592	86	28	market	market	NOUN
easat-7592	86	29	are	be	AUX
easat-7592	86	30	different	different	ADJ
easat-7592	86	31	,	,	PUNCT
easat-7592	86	32	the	the	DET
easat-7592	86	33	personal	personal	ADJ
easat-7592	86	34	characteristics	characteristic	NOUN
easat-7592	86	35	of	of	ADP
easat-7592	86	36	consumers	consumer	NOUN
easat-7592	86	37	greatly	greatly	ADV
easat-7592	86	38	affect	affect	VERB
easat-7592	86	39	whether	whether	SCONJ
easat-7592	86	40	they	they	PRON
easat-7592	86	41	access	access	VERB
easat-7592	86	42	and	and	CCONJ
easat-7592	86	43	use	use	VERB
easat-7592	86	44	financial	financial	ADJ
easat-7592	86	45	products	product	NOUN
easat-7592	86	46	and	and	CCONJ
easat-7592	86	47	services	service	NOUN
easat-7592	86	48	or	or	CCONJ
easat-7592	86	49	not	not	PART
easat-7592	86	50	.	.	PUNCT
easat-7592	87	1	3	3	X
easat-7592	87	2	.	.	X
easat-7592	87	3	study	study	NOUN
easat-7592	87	4	selection	selection	NOUN
easat-7592	87	5	and	and	CCONJ
easat-7592	87	6	data	datum	NOUN
easat-7592	87	7	3.1	3.1	NUM
easat-7592	87	8	.	.	PUNCT
easat-7592	88	1	study	study	NOUN
easat-7592	88	2	models	model	NOUN
easat-7592	88	3	to	to	PART
easat-7592	88	4	evaluate	evaluate	VERB
easat-7592	88	5	the	the	DET
easat-7592	88	6	impact	impact	NOUN
easat-7592	88	7	of	of	ADP
easat-7592	88	8	demand	demand	NOUN
easat-7592	88	9	-	-	PUNCT
easat-7592	88	10	side	side	NOUN
easat-7592	88	11	factors	factor	NOUN
easat-7592	88	12	personal	personal	ADJ
easat-7592	88	13	characteristics	characteristic	NOUN
easat-7592	88	14	on	on	ADP
easat-7592	88	15	financial	financial	ADJ
easat-7592	88	16	inclusion	inclusion	NOUN
easat-7592	88	17	in	in	ADP
easat-7592	88	18	vietnam	vietnam	PROPN
easat-7592	88	19	,	,	PUNCT
easat-7592	88	20	based	base	VERB
easat-7592	88	21	on	on	ADP
easat-7592	88	22	the	the	DET
easat-7592	88	23	study	study	NOUN
easat-7592	88	24	overview	overview	NOUN
easat-7592	88	25	in	in	ADP
easat-7592	88	26	section	section	NOUN
easat-7592	88	27	2	2	NUM
easat-7592	88	28	,	,	PUNCT
easat-7592	88	29	the	the	DET
easat-7592	88	30	author	author	NOUN
easat-7592	88	31	makes	make	VERB
easat-7592	88	32	the	the	DET
easat-7592	88	33	hypotheses	hypothesis	NOUN
easat-7592	88	34	about	about	ADP
easat-7592	88	35	demand	demand	NOUN
easat-7592	88	36	-	-	PUNCT
easat-7592	88	37	side	side	NOUN
easat-7592	88	38	factors	factor	NOUN
easat-7592	88	39	–	–	PUNCT
easat-7592	88	40	personal	personal	ADJ
easat-7592	88	41	characteristics	characteristic	NOUN
easat-7592	88	42	impacting	impact	VERB
easat-7592	88	43	each	each	DET
easat-7592	88	44	component	component	NOUN
easat-7592	88	45	of	of	ADP
easat-7592	88	46	the	the	DET
easat-7592	88	47	financial	financial	ADJ
easat-7592	88	48	inclusion	inclusion	NOUN
easat-7592	88	49	and	and	CCONJ
easat-7592	88	50	the	the	DET
easat-7592	88	51	aggregate	aggregate	ADJ
easat-7592	88	52	financial	financial	ADJ
easat-7592	88	53	inclusion	inclusion	NOUN
easat-7592	88	54	is	be	AUX
easat-7592	88	55	as	as	SCONJ
easat-7592	88	56	follows	follow	VERB
easat-7592	88	57	:	:	PUNCT
easat-7592	88	58	2804	2804	NUM
easat-7592	88	59	edelweiss	edelweiss	PROPN
easat-7592	88	60	applied	apply	VERB
easat-7592	88	61	science	science	NOUN
easat-7592	88	62	and	and	CCONJ
easat-7592	88	63	technology	technology	NOUN
easat-7592	88	64	issn	issn	PROPN
easat-7592	88	65	:	:	PUNCT
easat-7592	88	66	2576	2576	NUM
easat-7592	88	67	-	-	SYM
easat-7592	88	68	8484	8484	NUM
easat-7592	88	69	vol	vol	NOUN
easat-7592	88	70	.	.	PROPN
easat-7592	89	1	9	9	NUM
easat-7592	89	2	,	,	PUNCT
easat-7592	89	3	no	no	INTJ
easat-7592	89	4	.	.	NOUN
easat-7592	89	5	5	5	NUM
easat-7592	89	6	:	:	SYM
easat-7592	89	7	2801	2801	NUM
easat-7592	89	8	-	-	SYM
easat-7592	89	9	2815	2815	NUM
easat-7592	89	10	,	,	PUNCT
easat-7592	89	11	2025	2025	NUM
easat-7592	89	12	doi	doi	NOUN
easat-7592	89	13	:	:	PUNCT
easat-7592	89	14	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	89	15	©	©	PROPN
easat-7592	89	16	2025	2025	NUM
easat-7592	89	17	by	by	ADP
easat-7592	89	18	the	the	DET
easat-7592	89	19	author	author	NOUN
easat-7592	89	20	;	;	PUNCT
easat-7592	89	21	licensee	licensee	PROPN
easat-7592	89	22	learning	learn	VERB
easat-7592	89	23	gate	gate	NOUN
easat-7592	89	24	table	table	NOUN
easat-7592	89	25	1	1	NUM
easat-7592	89	26	.	.	PUNCT
easat-7592	90	1	study	study	NOUN
easat-7592	90	2	hypotheses	hypothesis	NOUN
easat-7592	90	3	.	.	PUNCT
easat-7592	91	1	the	the	DET
easat-7592	91	2	study	study	NOUN
easat-7592	91	3	uses	use	VERB
easat-7592	91	4	the	the	DET
easat-7592	91	5	models	model	NOUN
easat-7592	91	6	fungáčová	fungáčová	ADJ
easat-7592	91	7	and	and	CCONJ
easat-7592	91	8	weill	weill	PROPN
easat-7592	92	1	[	[	X
easat-7592	92	2	24	24	NUM
easat-7592	92	3	]	]	X
easat-7592	92	4	;	;	PUNCT
easat-7592	92	5	zins	zin	NOUN
easat-7592	92	6	and	and	CCONJ
easat-7592	92	7	weill	weill	NOUN
easat-7592	93	1	[	[	X
easat-7592	93	2	25	25	NUM
easat-7592	93	3	]	]	PUNCT
easat-7592	93	4	and	and	CCONJ
easat-7592	93	5	asuming	asuming	NOUN
easat-7592	93	6	,	,	PUNCT
easat-7592	93	7	et	et	PROPN
easat-7592	93	8	al	al	PROPN
easat-7592	93	9	.	.	PUNCT
easat-7592	94	1	[	[	X
easat-7592	94	2	19	19	NUM
easat-7592	94	3	]	]	PUNCT
easat-7592	94	4	to	to	PART
easat-7592	94	5	examine	examine	VERB
easat-7592	94	6	the	the	DET
easat-7592	94	7	factors	factor	NOUN
easat-7592	94	8	affecting	affect	VERB
easat-7592	94	9	the	the	DET
easat-7592	94	10	financial	financial	ADJ
easat-7592	94	11	inclusion	inclusion	NOUN
easat-7592	94	12	in	in	ADP
easat-7592	94	13	vietnam	vietnam	PROPN
easat-7592	94	14	.	.	PUNCT
easat-7592	95	1	in	in	ADP
easat-7592	95	2	addition	addition	NOUN
easat-7592	95	3	,	,	PUNCT
easat-7592	95	4	the	the	DET
easat-7592	95	5	author	author	NOUN
easat-7592	95	6	added	add	VERB
easat-7592	95	7	dependent	dependent	ADJ
easat-7592	95	8	variables	variable	NOUN
easat-7592	95	9	of	of	ADP
easat-7592	95	10	marital	marital	ADJ
easat-7592	95	11	status	status	NOUN
easat-7592	95	12	pena	pena	NOUN
easat-7592	95	13	,	,	PUNCT
easat-7592	95	14	et	et	PROPN
easat-7592	95	15	al	al	PROPN
easat-7592	95	16	.	.	PUNCT
easat-7592	96	1	[	[	X
easat-7592	96	2	1	1	X
easat-7592	96	3	]	]	PUNCT
easat-7592	96	4	and	and	CCONJ
easat-7592	96	5	allen	allen	PROPN
easat-7592	96	6	,	,	PUNCT
easat-7592	96	7	et	et	PROPN
easat-7592	96	8	al	al	PROPN
easat-7592	96	9	.	.	PUNCT
easat-7592	97	1	[	[	X
easat-7592	97	2	10	10	NUM
easat-7592	97	3	]	]	PUNCT
easat-7592	97	4	and	and	CCONJ
easat-7592	97	5	internet	internet	NOUN
easat-7592	97	6	use	use	NOUN
easat-7592	97	7	olaniyi	olaniyi	NOUN
easat-7592	97	8	[	[	X
easat-7592	97	9	23	23	NUM
easat-7592	97	10	]	]	PUNCT
easat-7592	97	11	and	and	CCONJ
easat-7592	97	12	okoroafor	okoroafor	PROPN
easat-7592	97	13	,	,	PUNCT
easat-7592	97	14	et	et	PROPN
easat-7592	97	15	al	al	PROPN
easat-7592	97	16	.	.	PUNCT
easat-7592	98	1	[	[	X
easat-7592	98	2	8	8	NUM
easat-7592	98	3	]	]	PUNCT
easat-7592	98	4	is	be	AUX
easat-7592	98	5	an	an	DET
easat-7592	98	6	important	important	ADJ
easat-7592	98	7	factor	factor	NOUN
easat-7592	98	8	in	in	ADP
easat-7592	98	9	promoting	promote	VERB
easat-7592	98	10	the	the	DET
easat-7592	98	11	financial	financial	ADJ
easat-7592	98	12	inclusion	inclusion	NOUN
easat-7592	98	13	.	.	PUNCT
easat-7592	99	1	basically	basically	ADV
easat-7592	99	2	,	,	PUNCT
easat-7592	99	3	married	married	ADJ
easat-7592	99	4	people	people	NOUN
easat-7592	99	5	will	will	AUX
easat-7592	99	6	tend	tend	VERB
easat-7592	99	7	to	to	PART
easat-7592	99	8	use	use	VERB
easat-7592	99	9	financial	financial	ADJ
easat-7592	99	10	services	service	NOUN
easat-7592	99	11	more	more	ADV
easat-7592	99	12	due	due	ADJ
easat-7592	99	13	to	to	ADP
easat-7592	99	14	increased	increase	VERB
easat-7592	99	15	demand	demand	NOUN
easat-7592	99	16	for	for	ADP
easat-7592	99	17	spending	spending	NOUN
easat-7592	99	18	,	,	PUNCT
easat-7592	99	19	so	so	CCONJ
easat-7592	99	20	marital	marital	ADJ
easat-7592	99	21	status	status	NOUN
easat-7592	99	22	will	will	AUX
easat-7592	99	23	be	be	AUX
easat-7592	99	24	one	one	NUM
easat-7592	99	25	of	of	ADP
easat-7592	99	26	the	the	DET
easat-7592	99	27	factors	factor	NOUN
easat-7592	99	28	affecting	affect	VERB
easat-7592	99	29	the	the	DET
easat-7592	99	30	financial	financial	ADJ
easat-7592	99	31	inclusion	inclusion	NOUN
easat-7592	99	32	.	.	PUNCT
easat-7592	100	1	in	in	ADP
easat-7592	100	2	addition	addition	NOUN
easat-7592	100	3	,	,	PUNCT
easat-7592	100	4	the	the	DET
easat-7592	100	5	use	use	NOUN
easat-7592	100	6	of	of	ADP
easat-7592	100	7	the	the	DET
easat-7592	100	8	internet	internet	NOUN
easat-7592	100	9	has	have	AUX
easat-7592	100	10	cut	cut	VERB
easat-7592	100	11	transaction	transaction	NOUN
easat-7592	100	12	costs	cost	NOUN
easat-7592	100	13	through	through	ADP
easat-7592	100	14	the	the	DET
easat-7592	100	15	use	use	NOUN
easat-7592	100	16	of	of	ADP
easat-7592	100	17	mobile	mobile	ADJ
easat-7592	100	18	phones	phone	NOUN
easat-7592	100	19	and	and	CCONJ
easat-7592	100	20	atms	atms	NOUN
easat-7592	100	21	.	.	PUNCT
easat-7592	101	1	this	this	PRON
easat-7592	101	2	has	have	AUX
easat-7592	101	3	improved	improve	VERB
easat-7592	101	4	the	the	DET
easat-7592	101	5	capacity	capacity	NOUN
easat-7592	101	6	to	to	PART
easat-7592	101	7	provide	provide	VERB
easat-7592	101	8	the	the	DET
easat-7592	101	9	credit	credit	NOUN
easat-7592	101	10	in	in	ADP
easat-7592	101	11	remote	remote	ADJ
easat-7592	101	12	areas	area	NOUN
easat-7592	101	13	of	of	ADP
easat-7592	101	14	the	the	DET
easat-7592	101	15	country	country	NOUN
easat-7592	101	16	and	and	CCONJ
easat-7592	101	17	can	can	AUX
easat-7592	101	18	provide	provide	VERB
easat-7592	101	19	banking	banking	NOUN
easat-7592	101	20	services	service	NOUN
easat-7592	101	21	at	at	ADP
easat-7592	101	22	home	home	NOUN
easat-7592	101	23	where	where	SCONJ
easat-7592	101	24	illiterate	illiterate	ADJ
easat-7592	101	25	mobile	mobile	ADJ
easat-7592	101	26	phone	phone	NOUN
easat-7592	101	27	customers	customer	NOUN
easat-7592	101	28	have	have	VERB
easat-7592	101	29	bank	bank	NOUN
easat-7592	101	30	accounts	account	NOUN
easat-7592	101	31	.	.	PUNCT
easat-7592	102	1	internet	internet	NOUN
easat-7592	102	2	use	use	NOUN
easat-7592	102	3	will	will	AUX
easat-7592	102	4	be	be	AUX
easat-7592	102	5	an	an	DET
easat-7592	102	6	important	important	ADJ
easat-7592	102	7	factor	factor	NOUN
easat-7592	102	8	promote	promote	VERB
easat-7592	102	9	people	people	NOUN
easat-7592	102	10	's	's	PART
easat-7592	102	11	access	access	NOUN
easat-7592	102	12	to	to	ADP
easat-7592	102	13	the	the	DET
easat-7592	102	14	financial	financial	ADJ
easat-7592	102	15	inclusion	inclusion	NOUN
easat-7592	102	16	.	.	PUNCT
easat-7592	103	1	the	the	DET
easat-7592	103	2	model	model	NOUN
easat-7592	103	3	is	be	AUX
easat-7592	103	4	shown	show	VERB
easat-7592	103	5	as	as	SCONJ
easat-7592	103	6	follows	follow	VERB
easat-7592	103	7	:	:	PUNCT
easat-7592	103	8	the	the	DET
easat-7592	103	9	regression	regression	NOUN
easat-7592	103	10	model	model	NOUN
easat-7592	103	11	studying	study	VERB
easat-7592	103	12	demand	demand	NOUN
easat-7592	103	13	-	-	PUNCT
easat-7592	103	14	side	side	NOUN
easat-7592	103	15	factors	factor	NOUN
easat-7592	103	16	affecting	affect	VERB
easat-7592	103	17	the	the	DET
easat-7592	103	18	financial	financial	ADJ
easat-7592	103	19	inclusion	inclusion	NOUN
easat-7592	103	20	has	have	VERB
easat-7592	103	21	the	the	DET
easat-7592	103	22	following	follow	VERB
easat-7592	103	23	form	form	NOUN
easat-7592	103	24	:	:	PUNCT
easat-7592	103	25	𝐹𝐼𝐼𝑖	𝐹𝐼𝐼𝑖	X
easat-7592	103	26	=	=	SYM
easat-7592	103	27	𝛽0	𝛽0	PROPN
easat-7592	103	28	+	+	CCONJ
easat-7592	104	1	𝛽1𝐺𝐸𝑁𝑖	𝛽1𝐺𝐸𝑁𝑖	PROPN
easat-7592	105	1	+	+	CCONJ
easat-7592	105	2	𝛽2𝐴𝐺𝐸𝑖	𝛽2𝐴𝐺𝐸𝑖	VERB
easat-7592	105	3	+	+	CCONJ
easat-7592	105	4	+	+	ADJ
easat-7592	105	5	𝛽3𝑀𝐴𝑅𝑖	𝛽3𝑀𝐴𝑅𝑖	ADJ
easat-7592	105	6	+	+	NUM
easat-7592	105	7	𝛽4𝐸𝐷𝑈𝑖	𝛽4𝐸𝐷𝑈𝑖	PRON
easat-7592	105	8	+	+	CCONJ
easat-7592	105	9	𝛽5𝐼𝑁𝐶𝑖	𝛽5𝐼𝑁𝐶𝑖	PROPN
easat-7592	105	10	+	+	NUM
easat-7592	105	11	𝛽6𝑈𝑆𝐸𝑖	𝛽6𝑈𝑆𝐸𝑖	NOUN
easat-7592	105	12	+	+	CCONJ
easat-7592	105	13	𝜀𝑖	𝜀𝑖	NOUN
easat-7592	105	14	in	in	ADP
easat-7592	105	15	which	which	PRON
easat-7592	105	16	:	:	PUNCT
easat-7592	105	17	sign	sign	VERB
easat-7592	105	18	variables	variable	NOUN
easat-7592	105	19	expect	expect	VERB
easat-7592	105	20	direction	direction	NOUN
easat-7592	105	21	of	of	ADP
easat-7592	105	22	impact	impact	NOUN
easat-7592	105	23	references	reference	NOUN
easat-7592	105	24	dependent	dependent	ADJ
easat-7592	105	25	variables	variable	NOUN
easat-7592	105	26	1	1	NUM
easat-7592	105	27	acc	acc	NOUN
easat-7592	105	28	own	own	ADJ
easat-7592	105	29	account	account	NOUN
easat-7592	105	30	honohan	honohan	ADV
easat-7592	106	1	[	[	X
easat-7592	106	2	14	14	NUM
easat-7592	106	3	]	]	X
easat-7592	106	4	;	;	PUNCT
easat-7592	106	5	sarma	sarma	PROPN
easat-7592	106	6	and	and	CCONJ
easat-7592	106	7	pais	pais	NOUN
easat-7592	106	8	[	[	X
easat-7592	106	9	9	9	NUM
easat-7592	106	10	]	]	PUNCT
easat-7592	106	11	;	;	PUNCT
easat-7592	106	12	chakravarty	chakravarty	NOUN
easat-7592	106	13	and	and	CCONJ
easat-7592	106	14	pal	pal	ADJ
easat-7592	106	15	[	[	X
easat-7592	106	16	15	15	NUM
easat-7592	106	17	]	]	PUNCT
easat-7592	106	18	and	and	CCONJ
easat-7592	106	19	clamara	clamara	PROPN
easat-7592	106	20	,	,	PUNCT
easat-7592	106	21	et	et	PROPN
easat-7592	106	22	al	al	PROPN
easat-7592	106	23	.	.	PUNCT
easat-7592	107	1	[	[	X
easat-7592	107	2	3	3	NUM
easat-7592	107	3	]	]	SYM
easat-7592	107	4	2	2	NUM
easat-7592	107	5	cdc	cdc	NOUN
easat-7592	107	6	use	use	NOUN
easat-7592	107	7	credit	credit	NOUN
easat-7592	107	8	card	card	NOUN
easat-7592	107	9	honohan	honohan	ADV
easat-7592	108	1	[	[	X
easat-7592	108	2	14	14	NUM
easat-7592	108	3	]	]	X
easat-7592	108	4	;	;	PUNCT
easat-7592	108	5	sarma	sarma	PROPN
easat-7592	108	6	and	and	CCONJ
easat-7592	108	7	pais	pais	NOUN
easat-7592	108	8	[	[	X
easat-7592	108	9	9	9	NUM
easat-7592	108	10	]	]	PUNCT
easat-7592	108	11	;	;	PUNCT
easat-7592	108	12	chakravarty	chakravarty	NOUN
easat-7592	108	13	and	and	CCONJ
easat-7592	108	14	pal	pal	ADJ
easat-7592	108	15	[	[	X
easat-7592	108	16	15	15	NUM
easat-7592	108	17	]	]	PUNCT
easat-7592	108	18	and	and	CCONJ
easat-7592	108	19	clamara	clamara	PROPN
easat-7592	108	20	,	,	PUNCT
easat-7592	108	21	et	et	PROPN
easat-7592	108	22	al	al	PROPN
easat-7592	108	23	.	.	PUNCT
easat-7592	109	1	[	[	X
easat-7592	109	2	3	3	NUM
easat-7592	109	3	]	]	SYM
easat-7592	109	4	3	3	NUM
easat-7592	109	5	atm	atm	NOUN
easat-7592	109	6	use	use	NOUN
easat-7592	109	7	atm	atm	NOUN
easat-7592	109	8	card	card	NOUN
easat-7592	109	9	beck	beck	PROPN
easat-7592	109	10	,	,	PUNCT
easat-7592	109	11	et	et	PROPN
easat-7592	109	12	al	al	PROPN
easat-7592	109	13	.	.	PUNCT
easat-7592	110	1	[	[	X
easat-7592	110	2	7	7	NUM
easat-7592	110	3	]	]	X
easat-7592	110	4	;	;	PUNCT
easat-7592	110	5	honohan	honohan	ADV
easat-7592	110	6	[	[	X
easat-7592	110	7	14	14	NUM
easat-7592	110	8	]	]	X
easat-7592	110	9	;	;	PUNCT
easat-7592	110	10	sarma	sarma	PROPN
easat-7592	110	11	and	and	CCONJ
easat-7592	110	12	pais	pais	NOUN
easat-7592	111	1	[	[	X
easat-7592	111	2	9	9	NUM
easat-7592	111	3	]	]	PUNCT
easat-7592	111	4	;	;	PUNCT
easat-7592	111	5	chakravarty	chakravarty	NOUN
easat-7592	111	6	and	and	CCONJ
easat-7592	111	7	pal	pal	ADJ
easat-7592	111	8	[	[	X
easat-7592	111	9	15	15	NUM
easat-7592	111	10	]	]	PUNCT
easat-7592	111	11	and	and	CCONJ
easat-7592	111	12	clamara	clamara	PROPN
easat-7592	111	13	,	,	PUNCT
easat-7592	111	14	et	et	PROPN
easat-7592	111	15	al	al	PROPN
easat-7592	112	1	.	.	PUNCT
easat-7592	113	1	[	[	X
easat-7592	113	2	3	3	NUM
easat-7592	113	3	]	]	SYM
easat-7592	113	4	4	4	NUM
easat-7592	113	5	cre	cre	PROPN
easat-7592	113	6	use	use	NOUN
easat-7592	113	7	loan	loan	NOUN
easat-7592	113	8	service	service	NOUN
easat-7592	113	9	beck	beck	PROPN
easat-7592	113	10	,	,	PUNCT
easat-7592	113	11	et	et	PROPN
easat-7592	113	12	al	al	PROPN
easat-7592	113	13	.	.	PUNCT
easat-7592	114	1	[	[	X
easat-7592	114	2	7	7	NUM
easat-7592	114	3	]	]	PUNCT
easat-7592	114	4	;	;	PUNCT
easat-7592	114	5	nair	nair	NOUN
easat-7592	114	6	and	and	CCONJ
easat-7592	114	7	tankha	tankha	NOUN
easat-7592	115	1	[	[	X
easat-7592	115	2	16	16	NUM
easat-7592	115	3	]	]	PUNCT
easat-7592	115	4	and	and	CCONJ
easat-7592	115	5	clamara	clamara	PROPN
easat-7592	115	6	,	,	PUNCT
easat-7592	115	7	et	et	PROPN
easat-7592	115	8	al	al	PROPN
easat-7592	115	9	.	.	PUNCT
easat-7592	116	1	[	[	X
easat-7592	116	2	3	3	NUM
easat-7592	116	3	]	]	SYM
easat-7592	116	4	5	5	NUM
easat-7592	116	5	sav	sav	NOUN
easat-7592	116	6	use	use	VERB
easat-7592	116	7	savings	saving	NOUN
easat-7592	116	8	service	service	PROPN
easat-7592	116	9	beck	beck	PROPN
easat-7592	116	10	,	,	PUNCT
easat-7592	116	11	et	et	PROPN
easat-7592	116	12	al	al	PROPN
easat-7592	116	13	.	.	PUNCT
easat-7592	117	1	[	[	X
easat-7592	117	2	7	7	NUM
easat-7592	117	3	]	]	PUNCT
easat-7592	117	4	;	;	PUNCT
easat-7592	117	5	nair	nair	NOUN
easat-7592	117	6	and	and	CCONJ
easat-7592	117	7	tankha	tankha	NOUN
easat-7592	118	1	[	[	X
easat-7592	118	2	16	16	NUM
easat-7592	118	3	]	]	PUNCT
easat-7592	118	4	and	and	CCONJ
easat-7592	118	5	clamara	clamara	PROPN
easat-7592	118	6	,	,	PUNCT
easat-7592	118	7	et	et	PROPN
easat-7592	118	8	al	al	PROPN
easat-7592	118	9	.	.	PUNCT
easat-7592	119	1	[	[	X
easat-7592	119	2	3	3	NUM
easat-7592	119	3	]	]	SYM
easat-7592	119	4	6	6	NUM
easat-7592	119	5	inv	inv	ADJ
easat-7592	119	6	use	use	NOUN
easat-7592	119	7	insurance	insurance	NOUN
easat-7592	119	8	,	,	PUNCT
easat-7592	119	9	investment	investment	NOUN
easat-7592	119	10	services	service	NOUN
easat-7592	119	11	beck	beck	PROPN
easat-7592	119	12	,	,	PUNCT
easat-7592	119	13	et	et	PROPN
easat-7592	119	14	al	al	PROPN
easat-7592	119	15	.	.	PUNCT
easat-7592	120	1	[	[	X
easat-7592	120	2	7	7	NUM
easat-7592	120	3	]	]	PUNCT
easat-7592	120	4	;	;	PUNCT
easat-7592	120	5	nair	nair	NOUN
easat-7592	120	6	and	and	CCONJ
easat-7592	120	7	tankha	tankha	NOUN
easat-7592	121	1	[	[	X
easat-7592	121	2	16	16	NUM
easat-7592	121	3	]	]	PUNCT
easat-7592	121	4	and	and	CCONJ
easat-7592	121	5	clamara	clamara	PROPN
easat-7592	121	6	,	,	PUNCT
easat-7592	121	7	et	et	PROPN
easat-7592	121	8	al	al	PROPN
easat-7592	121	9	.	.	PUNCT
easat-7592	122	1	[	[	X
easat-7592	122	2	3	3	NUM
easat-7592	122	3	]	]	SYM
easat-7592	122	4	7	7	NUM
easat-7592	122	5	fii	fii	PROPN
easat-7592	122	6	aggregate	aggregate	ADJ
easat-7592	122	7	financial	financial	ADJ
easat-7592	122	8	inclusion	inclusion	NOUN
easat-7592	122	9	index	index	NOUN
easat-7592	122	10	akinci	akinci	NOUN
easat-7592	122	11	and	and	CCONJ
easat-7592	122	12	olmstead	olmstead	NOUN
easat-7592	122	13	-	-	PUNCT
easat-7592	122	14	rumsey	rumsey	NOUN
easat-7592	122	15	[	[	X
easat-7592	122	16	17	17	NUM
easat-7592	122	17	]	]	PUNCT
easat-7592	122	18	impact	impact	NOUN
easat-7592	122	19	variables	variable	NOUN
easat-7592	122	20	1	1	NUM
easat-7592	122	21	age	age	NOUN
easat-7592	122	22	age	age	NOUN
easat-7592	122	23	positive	positive	ADJ
easat-7592	122	24	impact	impact	NOUN
easat-7592	122	25	demirgüç	demirgüç	NOUN
easat-7592	122	26	-	-	PUNCT
easat-7592	122	27	kunt	kunt	PROPN
easat-7592	122	28	,	,	PUNCT
easat-7592	122	29	et	et	PROPN
easat-7592	122	30	al	al	PROPN
easat-7592	122	31	.	.	PUNCT
easat-7592	123	1	[	[	X
easat-7592	123	2	4	4	NUM
easat-7592	123	3	]	]	PUNCT
easat-7592	123	4	;	;	PUNCT
easat-7592	123	5	clamara	clamara	PROPN
easat-7592	123	6	,	,	PUNCT
easat-7592	123	7	et	et	PROPN
easat-7592	123	8	al	al	PROPN
easat-7592	123	9	.	.	PUNCT
easat-7592	124	1	[	[	X
easat-7592	124	2	3	3	NUM
easat-7592	124	3	]	]	PUNCT
easat-7592	124	4	;	;	PUNCT
easat-7592	124	5	pena	pena	PROPN
easat-7592	124	6	,	,	PUNCT
easat-7592	124	7	et	et	PROPN
easat-7592	124	8	al	al	PROPN
easat-7592	124	9	.	.	PUNCT
easat-7592	125	1	[	[	X
easat-7592	125	2	1	1	NUM
easat-7592	125	3	]	]	PUNCT
easat-7592	125	4	;	;	PUNCT
easat-7592	125	5	tuesta	tuesta	PROPN
easat-7592	125	6	,	,	PUNCT
easat-7592	125	7	et	et	PROPN
easat-7592	125	8	al	al	PROPN
easat-7592	125	9	.	.	PUNCT
easat-7592	126	1	[	[	X
easat-7592	126	2	2	2	NUM
easat-7592	126	3	]	]	PUNCT
easat-7592	126	4	;	;	PUNCT
easat-7592	126	5	chu	chu	PROPN
easat-7592	126	6	khanh	khanh	PROPN
easat-7592	126	7	and	and	CCONJ
easat-7592	126	8	chu	chu	PROPN
easat-7592	126	9	[	[	X
easat-7592	126	10	18	18	NUM
easat-7592	126	11	]	]	X
easat-7592	126	12	;	;	PUNCT
easat-7592	126	13	asuming	asuming	NOUN
easat-7592	126	14	,	,	PUNCT
easat-7592	126	15	et	et	PROPN
easat-7592	126	16	al	al	PROPN
easat-7592	126	17	.	.	PUNCT
easat-7592	127	1	[	[	X
easat-7592	127	2	19	19	NUM
easat-7592	127	3	]	]	X
easat-7592	127	4	negative	negative	ADJ
easat-7592	127	5	impact	impact	NOUN
easat-7592	127	6	beck	beck	PROPN
easat-7592	127	7	,	,	PUNCT
easat-7592	127	8	et	et	PROPN
easat-7592	127	9	al	al	PROPN
easat-7592	127	10	.	.	PUNCT
easat-7592	128	1	[	[	X
easat-7592	128	2	7	7	NUM
easat-7592	128	3	]	]	SYM
easat-7592	128	4	2	2	NUM
easat-7592	128	5	edu	edu	NOUN
easat-7592	128	6	education	education	NOUN
easat-7592	128	7	level	level	VERB
easat-7592	128	8	positive	positive	ADJ
easat-7592	128	9	impact	impact	NOUN
easat-7592	128	10	allen	allen	PROPN
easat-7592	128	11	,	,	PUNCT
easat-7592	128	12	et	et	PROPN
easat-7592	128	13	al	al	PROPN
easat-7592	128	14	.	.	PUNCT
easat-7592	129	1	[	[	X
easat-7592	129	2	10	10	NUM
easat-7592	129	3	]	]	X
easat-7592	129	4	;	;	PUNCT
easat-7592	129	5	demirgüç	demirgüç	PROPN
easat-7592	129	6	-	-	PUNCT
easat-7592	129	7	kunt	kunt	PROPN
easat-7592	129	8	,	,	PUNCT
easat-7592	129	9	et	et	PROPN
easat-7592	129	10	al	al	PROPN
easat-7592	129	11	.	.	PUNCT
easat-7592	130	1	[	[	X
easat-7592	130	2	4	4	NUM
easat-7592	130	3	]	]	PUNCT
easat-7592	130	4	;	;	PUNCT
easat-7592	130	5	pena	pena	PROPN
easat-7592	130	6	,	,	PUNCT
easat-7592	130	7	et	et	PROPN
easat-7592	130	8	al	al	PROPN
easat-7592	130	9	.	.	PUNCT
easat-7592	131	1	[	[	X
easat-7592	131	2	1	1	NUM
easat-7592	131	3	]	]	PUNCT
easat-7592	131	4	;	;	PUNCT
easat-7592	131	5	tambunlertchai	tambunlertchai	PROPN
easat-7592	131	6	[	[	X
easat-7592	131	7	20	20	NUM
easat-7592	131	8	]	]	PUNCT
easat-7592	131	9	;	;	PUNCT
easat-7592	131	10	chu	chu	PROPN
easat-7592	131	11	khanh	khanh	PROPN
easat-7592	131	12	and	and	CCONJ
easat-7592	131	13	chu	chu	PROPN
easat-7592	131	14	[	[	X
easat-7592	131	15	18	18	NUM
easat-7592	131	16	]	]	SYM
easat-7592	131	17	3	3	NUM
easat-7592	131	18	gen	gen	PROPN
easat-7592	131	19	female	female	ADJ
easat-7592	131	20	positive	positive	ADJ
easat-7592	131	21	impact	impact	NOUN
easat-7592	131	22	/negative	/negative	ADP
easat-7592	131	23	impact	impact	NOUN
easat-7592	131	24	demirgüç	demirgüç	NOUN
easat-7592	131	25	-	-	PUNCT
easat-7592	131	26	kunt	kunt	PROPN
easat-7592	131	27	,	,	PUNCT
easat-7592	131	28	et	et	PROPN
easat-7592	131	29	al	al	PROPN
easat-7592	131	30	.	.	PUNCT
easat-7592	132	1	[	[	X
easat-7592	132	2	4	4	X
easat-7592	132	3	]	]	PUNCT
easat-7592	132	4	and	and	CCONJ
easat-7592	132	5	clamara	clamara	PROPN
easat-7592	132	6	,	,	PUNCT
easat-7592	132	7	et	et	PROPN
easat-7592	132	8	al	al	PROPN
easat-7592	132	9	.	.	PUNCT
easat-7592	133	1	[	[	X
easat-7592	133	2	3	3	X
easat-7592	133	3	]	]	X
easat-7592	133	4	male	male	ADJ
easat-7592	133	5	positive	positive	ADJ
easat-7592	133	6	impact	impact	NOUN
easat-7592	133	7	clamara	clamara	NOUN
easat-7592	133	8	,	,	PUNCT
easat-7592	133	9	et	et	PROPN
easat-7592	133	10	al	al	PROPN
easat-7592	133	11	.	.	PUNCT
easat-7592	134	1	[	[	X
easat-7592	134	2	3	3	NUM
easat-7592	134	3	]	]	SYM
easat-7592	134	4	4	4	NUM
easat-7592	134	5	inc	inc	PROPN
easat-7592	134	6	income	income	PROPN
easat-7592	134	7	positive	positive	ADJ
easat-7592	134	8	impact	impact	NOUN
easat-7592	134	9	allen	allen	PROPN
easat-7592	134	10	,	,	PUNCT
easat-7592	134	11	et	et	PROPN
easat-7592	134	12	al	al	PROPN
easat-7592	134	13	.	.	PUNCT
easat-7592	135	1	[	[	X
easat-7592	135	2	10	10	NUM
easat-7592	135	3	]	]	X
easat-7592	135	4	;	;	PUNCT
easat-7592	135	5	demirgüç	demirgüç	PROPN
easat-7592	135	6	-	-	PUNCT
easat-7592	135	7	kunt	kunt	PROPN
easat-7592	135	8	,	,	PUNCT
easat-7592	135	9	et	et	PROPN
easat-7592	135	10	al	al	PROPN
easat-7592	135	11	.	.	PUNCT
easat-7592	136	1	[	[	X
easat-7592	136	2	4	4	NUM
easat-7592	136	3	]	]	PUNCT
easat-7592	136	4	;	;	PUNCT
easat-7592	136	5	pena	pena	PROPN
easat-7592	136	6	,	,	PUNCT
easat-7592	136	7	et	et	PROPN
easat-7592	136	8	al	al	PROPN
easat-7592	136	9	.	.	PUNCT
easat-7592	137	1	[	[	X
easat-7592	137	2	1	1	NUM
easat-7592	137	3	]	]	PUNCT
easat-7592	137	4	;	;	PUNCT
easat-7592	137	5	tambunlertchai	tambunlertchai	PROPN
easat-7592	137	6	[	[	X
easat-7592	137	7	20	20	NUM
easat-7592	137	8	]	]	PUNCT
easat-7592	137	9	;	;	PUNCT
easat-7592	137	10	chu	chu	PROPN
easat-7592	137	11	khanh	khanh	PROPN
easat-7592	137	12	and	and	CCONJ
easat-7592	137	13	chu	chu	PROPN
easat-7592	137	14	[	[	X
easat-7592	137	15	18	18	NUM
easat-7592	137	16	]	]	SYM
easat-7592	137	17	5	5	NUM
easat-7592	137	18	mar	mar	PROPN
easat-7592	137	19	marital	marital	ADJ
easat-7592	137	20	status	status	NOUN
easat-7592	137	21	positive	positive	ADJ
easat-7592	137	22	impact	impact	NOUN
easat-7592	137	23	allen	allen	PROPN
easat-7592	137	24	,	,	PUNCT
easat-7592	137	25	et	et	PROPN
easat-7592	137	26	al	al	PROPN
easat-7592	137	27	.	.	PUNCT
easat-7592	138	1	[	[	X
easat-7592	138	2	10	10	NUM
easat-7592	138	3	]	]	PUNCT
easat-7592	138	4	and	and	CCONJ
easat-7592	138	5	pena	pena	PROPN
easat-7592	138	6	,	,	PUNCT
easat-7592	138	7	et	et	PROPN
easat-7592	138	8	al	al	PROPN
easat-7592	138	9	.	.	PUNCT
easat-7592	139	1	[	[	X
easat-7592	139	2	1	1	NUM
easat-7592	139	3	]	]	SYM
easat-7592	139	4	6	6	NUM
easat-7592	139	5	se	se	X
easat-7592	139	6	internet	internet	NOUN
easat-7592	139	7	use	use	VERB
easat-7592	139	8	positive	positive	ADJ
easat-7592	139	9	impact	impact	NOUN
easat-7592	139	10	andrianaivo	andrianaivo	NOUN
easat-7592	139	11	and	and	CCONJ
easat-7592	139	12	kpodar	kpodar	PROPN
easat-7592	140	1	[	[	X
easat-7592	140	2	21	21	NUM
easat-7592	140	3	]	]	PUNCT
easat-7592	140	4	;	;	PUNCT
easat-7592	140	5	evans	evans	PROPN
easat-7592	141	1	[	[	X
easat-7592	141	2	22	22	NUM
easat-7592	141	3	]	]	X
easat-7592	141	4	;	;	PUNCT
easat-7592	141	5	olaniyi	olaniyi	NOUN
easat-7592	141	6	[	[	X
easat-7592	141	7	23	23	NUM
easat-7592	141	8	]	]	PUNCT
easat-7592	141	9	and	and	CCONJ
easat-7592	141	10	okoroafor	okoroafor	PROPN
easat-7592	141	11	,	,	PUNCT
easat-7592	141	12	et	et	PROPN
easat-7592	141	13	al	al	PROPN
easat-7592	141	14	.	.	PUNCT
easat-7592	142	1	[	[	X
easat-7592	142	2	8	8	NUM
easat-7592	142	3	]	]	SYM
easat-7592	142	4	2805	2805	NUM
easat-7592	142	5	edelweiss	edelweiss	PROPN
easat-7592	142	6	applied	apply	VERB
easat-7592	142	7	science	science	NOUN
easat-7592	142	8	and	and	CCONJ
easat-7592	142	9	technology	technology	NOUN
easat-7592	142	10	issn	issn	PROPN
easat-7592	142	11	:	:	PUNCT
easat-7592	142	12	2576	2576	NUM
easat-7592	142	13	-	-	SYM
easat-7592	142	14	8484	8484	NUM
easat-7592	142	15	vol	vol	NOUN
easat-7592	142	16	.	.	PROPN
easat-7592	143	1	9	9	NUM
easat-7592	143	2	,	,	PUNCT
easat-7592	143	3	no	no	INTJ
easat-7592	143	4	.	.	NOUN
easat-7592	143	5	5	5	NUM
easat-7592	143	6	:	:	SYM
easat-7592	143	7	2801	2801	NUM
easat-7592	143	8	-	-	SYM
easat-7592	143	9	2815	2815	NUM
easat-7592	143	10	,	,	PUNCT
easat-7592	143	11	2025	2025	NUM
easat-7592	143	12	doi	doi	NOUN
easat-7592	143	13	:	:	PUNCT
easat-7592	143	14	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	143	15	©	©	PROPN
easat-7592	143	16	2025	2025	NUM
easat-7592	143	17	by	by	ADP
easat-7592	143	18	the	the	DET
easat-7592	143	19	author	author	NOUN
easat-7592	143	20	;	;	PUNCT
easat-7592	143	21	licensee	licensee	PROPN
easat-7592	143	22	learning	learning	PROPN
easat-7592	143	23	gate	gate	PROPN
easat-7592	143	24	𝛽0	𝛽0	PROPN
easat-7592	143	25	:	:	PUNCT
easat-7592	143	26	blocking	block	VERB
easat-7592	143	27	coefficient	coefficient	NOUN
easat-7592	143	28	dependent	dependent	ADJ
easat-7592	143	29	variable	variable	NOUN
easat-7592	143	30	,	,	PUNCT
easat-7592	143	31	𝐹𝐼𝐼𝑖	𝐹𝐼𝐼𝑖	PROPN
easat-7592	143	32	,	,	PUNCT
easat-7592	143	33	is	be	AUX
easat-7592	143	34	the	the	DET
easat-7592	143	35	financial	financial	ADJ
easat-7592	143	36	inclusion	inclusion	NOUN
easat-7592	143	37	index	index	NOUN
easat-7592	143	38	of	of	ADP
easat-7592	143	39	vietnam	vietnam	PROPN
easat-7592	143	40	.	.	PUNCT
easat-7592	144	1	this	this	DET
easat-7592	144	2	index	index	NOUN
easat-7592	144	3	is	be	AUX
easat-7592	144	4	expressed	express	VERB
easat-7592	144	5	in	in	ADP
easat-7592	144	6	the	the	DET
easat-7592	144	7	use	use	NOUN
easat-7592	144	8	of	of	ADP
easat-7592	144	9	diverse	diverse	ADJ
easat-7592	144	10	banking	banking	NOUN
easat-7592	144	11	and	and	CCONJ
easat-7592	144	12	financial	financial	ADJ
easat-7592	144	13	services	service	NOUN
easat-7592	144	14	including	include	VERB
easat-7592	144	15	the	the	DET
easat-7592	144	16	following	following	ADJ
easat-7592	144	17	indicators	indicator	NOUN
easat-7592	144	18	:	:	PUNCT
easat-7592	144	19	𝐴𝐶𝐶𝑖	𝐴𝐶𝐶𝑖	NOUN
easat-7592	144	20	:	:	PUNCT
easat-7592	144	21	own	own	VERB
easat-7592	144	22	the	the	DET
easat-7592	144	23	account	account	NOUN
easat-7592	144	24	𝐶𝐷𝐶𝑖	𝐶𝐷𝐶𝑖	NOUN
easat-7592	144	25	:	:	PUNCT
easat-7592	144	26	use	use	VERB
easat-7592	144	27	a	a	DET
easat-7592	144	28	credit	credit	NOUN
easat-7592	144	29	card	card	NOUN
easat-7592	144	30	𝐴𝑇𝑀𝑖	𝐴𝑇𝑀𝑖	NOUN
easat-7592	144	31	:	:	PUNCT
easat-7592	144	32	use	use	VERB
easat-7592	144	33	an	an	DET
easat-7592	144	34	atm	atm	ADJ
easat-7592	144	35	card	card	NOUN
easat-7592	144	36	𝐶𝑅𝐸𝑖	𝐶𝑅𝐸𝑖	NOUN
easat-7592	144	37	:	:	PUNCT
easat-7592	144	38	use	use	VERB
easat-7592	144	39	loan	loan	NOUN
easat-7592	144	40	service	service	NOUN
easat-7592	144	41	𝑆𝐴𝑉𝑖	𝑆𝐴𝑉𝑖	NOUN
easat-7592	144	42	:	:	PUNCT
easat-7592	144	43	use	use	VERB
easat-7592	144	44	savings	saving	NOUN
easat-7592	144	45	service	service	NOUN
easat-7592	144	46	𝐼𝑁𝑉𝑖	𝐼𝑁𝑉𝑖	NOUN
easat-7592	144	47	:	:	PUNCT
easat-7592	144	48	use	use	VERB
easat-7592	144	49	insurance	insurance	NOUN
easat-7592	144	50	,	,	PUNCT
easat-7592	144	51	investment	investment	NOUN
easat-7592	144	52	services	service	NOUN
easat-7592	144	53	𝐹𝐼𝐼𝑖	𝐹𝐼𝐼𝑖	PROPN
easat-7592	144	54	:	:	PUNCT
easat-7592	144	55	aggregate	aggregate	VERB
easat-7592	144	56	financial	financial	ADJ
easat-7592	144	57	inclusion	inclusion	NOUN
easat-7592	144	58	index	index	NOUN
easat-7592	144	59	impact	impact	NOUN
easat-7592	144	60	variables	variable	NOUN
easat-7592	144	61	:	:	PUNCT
easat-7592	144	62	are	be	AUX
easat-7592	144	63	independent	independent	ADJ
easat-7592	144	64	variables	variable	NOUN
easat-7592	144	65	that	that	PRON
easat-7592	144	66	impact	impact	VERB
easat-7592	144	67	financial	financial	ADJ
easat-7592	144	68	inclusion	inclusion	NOUN
easat-7592	144	69	in	in	ADP
easat-7592	144	70	the	the	DET
easat-7592	144	71	countries	country	NOUN
easat-7592	144	72	,	,	PUNCT
easat-7592	144	73	including	include	VERB
easat-7592	144	74	:	:	PUNCT
easat-7592	144	75	𝐴𝐺𝐸𝑖	𝐴𝐺𝐸𝑖	NOUN
easat-7592	144	76	:	:	PUNCT
easat-7592	144	77	age	age	NOUN
easat-7592	144	78	𝐺𝐸𝑁𝑖	𝐺𝐸𝑁𝑖	PROPN
easat-7592	144	79	:	:	PUNCT
easat-7592	144	80	gender	gender	NOUN
easat-7592	144	81	𝑀𝐴𝑅𝑖	𝑀𝐴𝑅𝑖	PROPN
easat-7592	144	82	:	:	PUNCT
easat-7592	144	83	marital	marital	ADJ
easat-7592	144	84	status	status	NOUN
easat-7592	144	85	𝐸𝐷𝑈𝑖	𝐸𝐷𝑈𝑖	VERB
easat-7592	144	86	:	:	PUNCT
easat-7592	144	87	education	education	NOUN
easat-7592	144	88	level	level	NOUN
easat-7592	144	89	𝑈𝑆𝐸𝑖	𝑈𝑆𝐸𝑖	NOUN
easat-7592	144	90	:	:	PUNCT
easat-7592	144	91	internet	internet	NOUN
easat-7592	144	92	use	use	NOUN
easat-7592	144	93	𝐼𝑁𝐶𝑖	𝐼𝑁𝐶𝑖	PROPN
easat-7592	144	94	:	:	PUNCT
easat-7592	144	95	income	income	NOUN
easat-7592	144	96	𝜀𝑖	𝜀𝑖	NOUN
easat-7592	144	97	:	:	PUNCT
easat-7592	144	98	residual	residual	ADJ
easat-7592	144	99	of	of	ADP
easat-7592	144	100	the	the	DET
easat-7592	144	101	model	model	NOUN
easat-7592	144	102	3.2	3.2	NUM
easat-7592	144	103	.	.	PUNCT
easat-7592	145	1	study	study	NOUN
easat-7592	145	2	data	datum	NOUN
easat-7592	145	3	the	the	DET
easat-7592	145	4	study	study	NOUN
easat-7592	145	5	uses	use	VERB
easat-7592	145	6	the	the	DET
easat-7592	145	7	2022	2022	NUM
easat-7592	145	8	vietnam	vietnam	PROPN
easat-7592	145	9	household	household	NOUN
easat-7592	145	10	living	living	NOUN
easat-7592	145	11	standards	standard	NOUN
easat-7592	145	12	survey	survey	NOUN
easat-7592	145	13	(	(	PUNCT
easat-7592	145	14	vhlss	vhlss	ADJ
easat-7592	145	15	)	)	PUNCT
easat-7592	145	16	data	datum	NOUN
easat-7592	145	17	set	set	VERB
easat-7592	145	18	conducted	conduct	VERB
easat-7592	145	19	by	by	ADP
easat-7592	145	20	the	the	DET
easat-7592	145	21	general	general	ADJ
easat-7592	145	22	statistics	statistics	PROPN
easat-7592	145	23	office	office	PROPN
easat-7592	145	24	of	of	ADP
easat-7592	145	25	vietnam	vietnam	PROPN
easat-7592	145	26	(	(	PUNCT
easat-7592	145	27	gso	gso	PROPN
easat-7592	145	28	)	)	PUNCT
easat-7592	145	29	.	.	PUNCT
easat-7592	146	1	the	the	DET
easat-7592	146	2	scope	scope	NOUN
easat-7592	146	3	of	of	ADP
easat-7592	146	4	the	the	DET
easat-7592	146	5	survey	survey	NOUN
easat-7592	146	6	is	be	AUX
easat-7592	146	7	households	household	NOUN
easat-7592	146	8	across	across	ADP
easat-7592	146	9	the	the	DET
easat-7592	146	10	country	country	NOUN
easat-7592	146	11	with	with	ADP
easat-7592	146	12	a	a	DET
easat-7592	146	13	sample	sample	NOUN
easat-7592	146	14	size	size	NOUN
easat-7592	146	15	of	of	ADP
easat-7592	146	16	46,995	46,995	NUM
easat-7592	146	17	households	household	NOUN
easat-7592	146	18	in	in	ADP
easat-7592	146	19	3,133	3,133	NUM
easat-7592	146	20	communes	commune	NOUN
easat-7592	146	21	/	/	SYM
easat-7592	146	22	wards	ward	NOUN
easat-7592	146	23	,	,	PUNCT
easat-7592	146	24	representing	represent	VERB
easat-7592	146	25	the	the	DET
easat-7592	146	26	whole	whole	ADJ
easat-7592	146	27	country	country	NOUN
easat-7592	146	28	,	,	PUNCT
easat-7592	146	29	regions	region	NOUN
easat-7592	146	30	,	,	PUNCT
easat-7592	146	31	urban	urban	ADJ
easat-7592	146	32	areas	area	NOUN
easat-7592	146	33	,	,	PUNCT
easat-7592	146	34	rural	rural	ADJ
easat-7592	146	35	areas	area	NOUN
easat-7592	146	36	and	and	CCONJ
easat-7592	146	37	affiliated	affiliated	ADJ
easat-7592	146	38	cities	city	NOUN
easat-7592	146	39	.	.	PUNCT
easat-7592	147	1	from	from	ADP
easat-7592	147	2	46,995	46,995	NUM
easat-7592	147	3	households	household	NOUN
easat-7592	147	4	,	,	PUNCT
easat-7592	147	5	the	the	DET
easat-7592	147	6	author	author	NOUN
easat-7592	147	7	filters	filter	VERB
easat-7592	147	8	9,396	9,396	NUM
easat-7592	147	9	people	people	NOUN
easat-7592	147	10	to	to	PART
easat-7592	147	11	participate	participate	VERB
easat-7592	147	12	in	in	ADP
easat-7592	147	13	the	the	DET
easat-7592	147	14	survey	survey	NOUN
easat-7592	147	15	related	relate	VERB
easat-7592	147	16	to	to	ADP
easat-7592	147	17	owning	own	VERB
easat-7592	147	18	and	and	CCONJ
easat-7592	147	19	using	use	VERB
easat-7592	147	20	banking	banking	NOUN
easat-7592	147	21	and	and	CCONJ
easat-7592	147	22	financial	financial	ADJ
easat-7592	147	23	services	service	NOUN
easat-7592	147	24	.	.	PUNCT
easat-7592	148	1	the	the	DET
easat-7592	148	2	dependent	dependent	ADJ
easat-7592	148	3	variables	variable	NOUN
easat-7592	148	4	are	be	AUX
easat-7592	148	5	measured	measure	VERB
easat-7592	148	6	as	as	SCONJ
easat-7592	148	7	follows	follow	VERB
easat-7592	148	8	(	(	PUNCT
easat-7592	148	9	table	table	NOUN
easat-7592	148	10	2	2	NUM
easat-7592	148	11	):	):	PUNCT
easat-7592	148	12	•	•	NUM
easat-7592	148	13	own	own	ADJ
easat-7592	148	14	account	account	NOUN
easat-7592	148	15	(	(	PUNCT
easat-7592	148	16	acc	acc	PROPN
easat-7592	148	17	):	):	PUNCT
easat-7592	148	18	this	this	DET
easat-7592	148	19	variable	variable	NOUN
easat-7592	148	20	takes	take	VERB
easat-7592	148	21	the	the	DET
easat-7592	148	22	value	value	NOUN
easat-7592	148	23	of	of	ADP
easat-7592	148	24	1	1	NUM
easat-7592	148	25	if	if	SCONJ
easat-7592	148	26	the	the	DET
easat-7592	148	27	interviewee	interviewee	NOUN
easat-7592	148	28	answers	answer	VERB
easat-7592	148	29	that	that	SCONJ
easat-7592	148	30	he	he	PRON
easat-7592	148	31	/	/	SYM
easat-7592	148	32	she	she	PRON
easat-7592	148	33	owns	own	VERB
easat-7592	148	34	a	a	DET
easat-7592	148	35	bank	bank	NOUN
easat-7592	148	36	account	account	NOUN
easat-7592	148	37	and	and	CCONJ
easat-7592	148	38	0	0	NUM
easat-7592	148	39	if	if	SCONJ
easat-7592	148	40	the	the	DET
easat-7592	148	41	interviewee	interviewee	NOUN
easat-7592	148	42	answers	answer	VERB
easat-7592	148	43	that	that	SCONJ
easat-7592	148	44	he	he	PRON
easat-7592	148	45	/	/	PUNCT
easat-7592	148	46	she	she	PRON
easat-7592	148	47	does	do	AUX
easat-7592	148	48	not	not	PART
easat-7592	148	49	own	own	VERB
easat-7592	148	50	a	a	DET
easat-7592	148	51	bank	bank	NOUN
easat-7592	148	52	account	account	NOUN
easat-7592	148	53	.	.	PUNCT
easat-7592	149	1	•	•	NUM
easat-7592	149	2	use	use	NOUN
easat-7592	149	3	credit	credit	NOUN
easat-7592	149	4	card	card	NOUN
easat-7592	149	5	(	(	PUNCT
easat-7592	149	6	cdc	cdc	PROPN
easat-7592	149	7	):	):	PUNCT
easat-7592	149	8	this	this	DET
easat-7592	149	9	variable	variable	NOUN
easat-7592	149	10	takes	take	VERB
easat-7592	149	11	the	the	DET
easat-7592	149	12	value	value	NOUN
easat-7592	149	13	of	of	ADP
easat-7592	149	14	1	1	NUM
easat-7592	149	15	if	if	SCONJ
easat-7592	149	16	the	the	DET
easat-7592	149	17	interviewee	interviewee	NOUN
easat-7592	149	18	answers	answer	VERB
easat-7592	149	19	that	that	SCONJ
easat-7592	149	20	he	he	PRON
easat-7592	149	21	or	or	CCONJ
easat-7592	149	22	she	she	PRON
easat-7592	149	23	uses	use	VERB
easat-7592	149	24	a	a	DET
easat-7592	149	25	credit	credit	NOUN
easat-7592	149	26	card	card	NOUN
easat-7592	149	27	and	and	CCONJ
easat-7592	149	28	0	0	NUM
easat-7592	149	29	if	if	SCONJ
easat-7592	149	30	the	the	DET
easat-7592	149	31	interviewee	interviewee	NOUN
easat-7592	149	32	answers	answer	VERB
easat-7592	149	33	that	that	SCONJ
easat-7592	149	34	he	he	PRON
easat-7592	149	35	or	or	CCONJ
easat-7592	149	36	she	she	PRON
easat-7592	149	37	does	do	AUX
easat-7592	149	38	not	not	PART
easat-7592	149	39	use	use	VERB
easat-7592	149	40	a	a	DET
easat-7592	149	41	credit	credit	NOUN
easat-7592	149	42	card	card	NOUN
easat-7592	149	43	.	.	PUNCT
easat-7592	150	1	•	•	NUM
easat-7592	150	2	use	use	NOUN
easat-7592	150	3	atm	atm	NOUN
easat-7592	150	4	card	card	NOUN
easat-7592	150	5	(	(	PUNCT
easat-7592	150	6	atm	atm	ADJ
easat-7592	150	7	):	):	PUNCT
easat-7592	150	8	this	this	DET
easat-7592	150	9	variable	variable	NOUN
easat-7592	150	10	takes	take	VERB
easat-7592	150	11	the	the	DET
easat-7592	150	12	value	value	NOUN
easat-7592	150	13	of	of	ADP
easat-7592	150	14	1	1	NUM
easat-7592	150	15	if	if	SCONJ
easat-7592	150	16	the	the	DET
easat-7592	150	17	interviewee	interviewee	NOUN
easat-7592	150	18	answers	answer	VERB
easat-7592	150	19	that	that	SCONJ
easat-7592	150	20	he	he	PRON
easat-7592	150	21	or	or	CCONJ
easat-7592	150	22	she	she	PRON
easat-7592	150	23	uses	use	VERB
easat-7592	150	24	an	an	DET
easat-7592	150	25	atm	atm	ADJ
easat-7592	150	26	card	card	NOUN
easat-7592	150	27	and	and	CCONJ
easat-7592	150	28	0	0	NUM
easat-7592	150	29	if	if	SCONJ
easat-7592	150	30	the	the	DET
easat-7592	150	31	interviewee	interviewee	NOUN
easat-7592	150	32	answers	answer	VERB
easat-7592	150	33	that	that	SCONJ
easat-7592	150	34	he	he	PRON
easat-7592	150	35	or	or	CCONJ
easat-7592	150	36	she	she	PRON
easat-7592	150	37	does	do	AUX
easat-7592	150	38	not	not	PART
easat-7592	150	39	use	use	VERB
easat-7592	150	40	an	an	DET
easat-7592	150	41	atm	atm	ADJ
easat-7592	150	42	card	card	NOUN
easat-7592	150	43	.	.	PUNCT
easat-7592	151	1	•	•	NUM
easat-7592	151	2	use	use	VERB
easat-7592	151	3	savings	saving	NOUN
easat-7592	151	4	service	service	NOUN
easat-7592	151	5	(	(	PUNCT
easat-7592	151	6	sav	sav	PROPN
easat-7592	151	7	):	):	PUNCT
easat-7592	151	8	this	this	DET
easat-7592	151	9	variable	variable	NOUN
easat-7592	151	10	takes	take	VERB
easat-7592	151	11	the	the	DET
easat-7592	151	12	value	value	NOUN
easat-7592	151	13	of	of	ADP
easat-7592	151	14	1	1	NUM
easat-7592	151	15	if	if	SCONJ
easat-7592	151	16	the	the	DET
easat-7592	151	17	interviewee	interviewee	NOUN
easat-7592	151	18	answers	answer	VERB
easat-7592	151	19	that	that	SCONJ
easat-7592	151	20	she	she	PRON
easat-7592	151	21	or	or	CCONJ
easat-7592	151	22	he	he	PRON
easat-7592	151	23	opens	open	VERB
easat-7592	151	24	a	a	DET
easat-7592	151	25	savings	saving	NOUN
easat-7592	151	26	book	book	NOUN
easat-7592	151	27	and	and	CCONJ
easat-7592	151	28	0	0	NUM
easat-7592	151	29	if	if	SCONJ
easat-7592	151	30	the	the	DET
easat-7592	151	31	interviewee	interviewee	NOUN
easat-7592	151	32	answers	answer	VERB
easat-7592	151	33	that	that	SCONJ
easat-7592	151	34	she	she	PRON
easat-7592	151	35	or	or	CCONJ
easat-7592	151	36	he	he	PRON
easat-7592	151	37	does	do	AUX
easat-7592	151	38	not	not	PART
easat-7592	151	39	open	open	VERB
easat-7592	151	40	a	a	DET
easat-7592	151	41	savings	saving	NOUN
easat-7592	151	42	book	book	NOUN
easat-7592	151	43	.	.	PUNCT
easat-7592	152	1	•	•	NUM
easat-7592	152	2	use	use	NOUN
easat-7592	152	3	loan	loan	NOUN
easat-7592	152	4	service	service	NOUN
easat-7592	152	5	(	(	PUNCT
easat-7592	152	6	cre	cre	PROPN
easat-7592	152	7	):	):	PUNCT
easat-7592	152	8	this	this	DET
easat-7592	152	9	variable	variable	NOUN
easat-7592	152	10	takes	take	VERB
easat-7592	152	11	the	the	DET
easat-7592	152	12	value	value	NOUN
easat-7592	152	13	of	of	ADP
easat-7592	152	14	1	1	NUM
easat-7592	152	15	if	if	SCONJ
easat-7592	152	16	the	the	DET
easat-7592	152	17	interviewee	interviewee	NOUN
easat-7592	152	18	answers	answer	VERB
easat-7592	152	19	that	that	SCONJ
easat-7592	152	20	she	she	PRON
easat-7592	152	21	or	or	CCONJ
easat-7592	152	22	he	he	PRON
easat-7592	152	23	uses	use	VERB
easat-7592	152	24	loan	loan	NOUN
easat-7592	152	25	services	service	NOUN
easat-7592	152	26	and	and	CCONJ
easat-7592	152	27	0	0	NUM
easat-7592	152	28	if	if	SCONJ
easat-7592	152	29	the	the	DET
easat-7592	152	30	interviewee	interviewee	NOUN
easat-7592	152	31	answers	answer	VERB
easat-7592	152	32	that	that	SCONJ
easat-7592	152	33	she	she	PRON
easat-7592	152	34	or	or	CCONJ
easat-7592	152	35	he	he	PRON
easat-7592	152	36	does	do	AUX
easat-7592	152	37	not	not	PART
easat-7592	152	38	use	use	VERB
easat-7592	152	39	loan	loan	NOUN
easat-7592	152	40	services	service	NOUN
easat-7592	152	41	.	.	PUNCT
easat-7592	153	1	•	•	NUM
easat-7592	153	2	use	use	NOUN
easat-7592	153	3	insurance	insurance	NOUN
easat-7592	153	4	,	,	PUNCT
easat-7592	153	5	investment	investment	NOUN
easat-7592	153	6	services	service	NOUN
easat-7592	153	7	(	(	PUNCT
easat-7592	153	8	inv	inv	VERB
easat-7592	153	9	):	):	PUNCT
easat-7592	153	10	this	this	DET
easat-7592	153	11	variable	variable	NOUN
easat-7592	153	12	takes	take	VERB
easat-7592	153	13	the	the	DET
easat-7592	153	14	value	value	NOUN
easat-7592	153	15	of	of	ADP
easat-7592	153	16	1	1	NUM
easat-7592	153	17	if	if	SCONJ
easat-7592	153	18	the	the	DET
easat-7592	153	19	interviewee	interviewee	NOUN
easat-7592	153	20	answers	answer	VERB
easat-7592	153	21	that	that	SCONJ
easat-7592	153	22	he	he	PRON
easat-7592	153	23	or	or	CCONJ
easat-7592	153	24	she	she	PRON
easat-7592	153	25	uses	use	VERB
easat-7592	153	26	insurance	insurance	NOUN
easat-7592	153	27	services	service	NOUN
easat-7592	153	28	or	or	CCONJ
easat-7592	153	29	invests	invest	NOUN
easat-7592	153	30	in	in	ADP
easat-7592	153	31	stocks	stock	NOUN
easat-7592	153	32	or	or	CCONJ
easat-7592	153	33	bonds	bond	NOUN
easat-7592	153	34	,	,	PUNCT
easat-7592	153	35	and	and	CCONJ
easat-7592	153	36	0	0	NUM
easat-7592	153	37	if	if	SCONJ
easat-7592	153	38	the	the	DET
easat-7592	153	39	interviewee	interviewee	NOUN
easat-7592	153	40	answers	answer	VERB
easat-7592	153	41	that	that	SCONJ
easat-7592	153	42	he	he	PRON
easat-7592	153	43	or	or	CCONJ
easat-7592	153	44	she	she	PRON
easat-7592	153	45	does	do	AUX
easat-7592	153	46	not	not	PART
easat-7592	153	47	use	use	VERB
easat-7592	153	48	insurance	insurance	NOUN
easat-7592	153	49	and	and	CCONJ
easat-7592	153	50	investment	investment	NOUN
easat-7592	153	51	services	service	NOUN
easat-7592	153	52	.	.	PUNCT
easat-7592	154	1	•	•	NUM
easat-7592	154	2	aggregate	aggregate	ADJ
easat-7592	154	3	financial	financial	ADJ
easat-7592	154	4	inclusion	inclusion	NOUN
easat-7592	154	5	index	index	NOUN
easat-7592	154	6	(	(	PUNCT
easat-7592	154	7	fii	fii	PROPN
easat-7592	154	8	):	):	PUNCT
easat-7592	154	9	this	this	DET
easat-7592	154	10	variable	variable	NOUN
easat-7592	154	11	is	be	AUX
easat-7592	154	12	equal	equal	ADJ
easat-7592	154	13	to	to	ADP
easat-7592	154	14	the	the	DET
easat-7592	154	15	sum	sum	NOUN
easat-7592	154	16	of	of	ADP
easat-7592	154	17	the	the	DET
easat-7592	154	18	values	value	NOUN
easat-7592	154	19	obtained	obtain	VERB
easat-7592	154	20	from	from	ADP
easat-7592	154	21	the	the	DET
easat-7592	154	22	above	above	ADJ
easat-7592	154	23	variables	variable	NOUN
easat-7592	154	24	.	.	PUNCT
easat-7592	155	1	this	this	DET
easat-7592	155	2	measurement	measurement	NOUN
easat-7592	155	3	method	method	NOUN
easat-7592	155	4	is	be	AUX
easat-7592	155	5	learned	learn	VERB
easat-7592	155	6	from	from	ADP
easat-7592	155	7	the	the	DET
easat-7592	155	8	study	study	NOUN
easat-7592	155	9	of	of	ADP
easat-7592	155	10	akinci	akinci	PROPN
easat-7592	155	11	and	and	CCONJ
easat-7592	155	12	olmstead	olmstead	NOUN
easat-7592	155	13	-	-	PUNCT
easat-7592	155	14	rumsey	rumsey	NOUN
easat-7592	155	15	[	[	X
easat-7592	155	16	17	17	NUM
easat-7592	155	17	]	]	PUNCT
easat-7592	155	18	when	when	SCONJ
easat-7592	155	19	measuring	measure	VERB
easat-7592	155	20	the	the	DET
easat-7592	155	21	impact	impact	NOUN
easat-7592	155	22	of	of	ADP
easat-7592	155	23	policies	policy	NOUN
easat-7592	155	24	on	on	ADP
easat-7592	155	25	57	57	NUM
easat-7592	155	26	developed	developed	ADJ
easat-7592	155	27	and	and	CCONJ
easat-7592	155	28	developing	develop	VERB
easat-7592	155	29	countries	country	NOUN
easat-7592	155	30	.	.	PUNCT
easat-7592	156	1	as	as	SCONJ
easat-7592	156	2	follows	follow	VERB
easat-7592	156	3	:	:	PUNCT
easat-7592	156	4	𝐹𝐼𝐼𝑖	𝐹𝐼𝐼𝑖	X
easat-7592	156	5	=	=	SYM
easat-7592	156	6	𝐴𝐶𝐶𝑖	𝐴𝐶𝐶𝑖	NOUN
easat-7592	156	7	+	+	CCONJ
easat-7592	156	8	𝐶𝐷𝐶𝑖	𝐶𝐷𝐶𝑖	NOUN
easat-7592	156	9	+	+	CCONJ
easat-7592	156	10	𝐴𝑇𝑀𝑖	𝐴𝑇𝑀𝑖	NOUN
easat-7592	156	11	+	+	CCONJ
easat-7592	156	12	𝐶𝑅𝐸𝑖	𝐶𝑅𝐸𝑖	NOUN
easat-7592	156	13	+	+	CCONJ
easat-7592	156	14	𝑆𝐴𝑉𝑖	𝑆𝐴𝑉𝑖	PROPN
easat-7592	156	15	+	+	CCONJ
easat-7592	156	16	𝐼𝑁𝑉𝑖.	𝐼𝑁𝑉𝑖.	NOUN
easat-7592	156	17	2806	2806	NUM
easat-7592	156	18	edelweiss	edelweiss	PROPN
easat-7592	156	19	applied	apply	VERB
easat-7592	156	20	science	science	NOUN
easat-7592	156	21	and	and	CCONJ
easat-7592	156	22	technology	technology	NOUN
easat-7592	156	23	issn	issn	PROPN
easat-7592	156	24	:	:	PUNCT
easat-7592	156	25	2576	2576	NUM
easat-7592	156	26	-	-	SYM
easat-7592	156	27	8484	8484	NUM
easat-7592	156	28	vol	vol	NOUN
easat-7592	156	29	.	.	PROPN
easat-7592	157	1	9	9	NUM
easat-7592	157	2	,	,	PUNCT
easat-7592	157	3	no	no	INTJ
easat-7592	157	4	.	.	NOUN
easat-7592	157	5	5	5	NUM
easat-7592	157	6	:	:	SYM
easat-7592	157	7	2801	2801	NUM
easat-7592	157	8	-	-	SYM
easat-7592	157	9	2815	2815	NUM
easat-7592	157	10	,	,	PUNCT
easat-7592	157	11	2025	2025	NUM
easat-7592	157	12	doi	doi	NOUN
easat-7592	157	13	:	:	PUNCT
easat-7592	157	14	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	157	15	©	©	PROPN
easat-7592	157	16	2025	2025	NUM
easat-7592	157	17	by	by	ADP
easat-7592	157	18	the	the	DET
easat-7592	157	19	author	author	NOUN
easat-7592	157	20	;	;	PUNCT
easat-7592	157	21	licensee	licensee	PROPN
easat-7592	157	22	learning	learning	NOUN
easat-7592	157	23	gate	gate	VERB
easat-7592	157	24	the	the	DET
easat-7592	157	25	impact	impact	NOUN
easat-7592	157	26	variables	variable	NOUN
easat-7592	157	27	are	be	AUX
easat-7592	157	28	measured	measure	VERB
easat-7592	157	29	as	as	SCONJ
easat-7592	157	30	follows	follow	VERB
easat-7592	157	31	:	:	PUNCT
easat-7592	157	32	•	•	NUM
easat-7592	157	33	age	age	NOUN
easat-7592	157	34	(	(	PUNCT
easat-7592	157	35	age	age	NOUN
easat-7592	157	36	):	):	PUNCT
easat-7592	157	37	this	this	DET
easat-7592	157	38	variable	variable	NOUN
easat-7592	157	39	is	be	AUX
easat-7592	157	40	measured	measure	VERB
easat-7592	157	41	by	by	ADP
easat-7592	157	42	the	the	DET
easat-7592	157	43	age	age	NOUN
easat-7592	157	44	of	of	ADP
easat-7592	157	45	the	the	DET
easat-7592	157	46	interviewee	interviewee	NOUN
easat-7592	157	47	•	•	NUM
easat-7592	157	48	gender	gender	NOUN
easat-7592	157	49	(	(	PUNCT
easat-7592	157	50	gen	gen	PROPN
easat-7592	157	51	):	):	PUNCT
easat-7592	157	52	this	this	DET
easat-7592	157	53	variable	variable	NOUN
easat-7592	157	54	takes	take	VERB
easat-7592	157	55	the	the	DET
easat-7592	157	56	value	value	NOUN
easat-7592	157	57	1	1	NUM
easat-7592	157	58	if	if	SCONJ
easat-7592	157	59	the	the	DET
easat-7592	157	60	interviewee	interviewee	NOUN
easat-7592	157	61	is	be	AUX
easat-7592	157	62	male	male	ADJ
easat-7592	157	63	and	and	CCONJ
easat-7592	157	64	takes	take	VERB
easat-7592	157	65	the	the	DET
easat-7592	157	66	value	value	NOUN
easat-7592	157	67	0	0	PUNCT
easat-7592	158	1	if	if	SCONJ
easat-7592	158	2	the	the	DET
easat-7592	158	3	interviewee	interviewee	NOUN
easat-7592	158	4	is	be	AUX
easat-7592	158	5	female	female	ADJ
easat-7592	158	6	.	.	PUNCT
easat-7592	159	1	•	•	NUM
easat-7592	159	2	marital	marital	ADJ
easat-7592	159	3	status	status	NOUN
easat-7592	159	4	(	(	PUNCT
easat-7592	159	5	mar	mar	PROPN
easat-7592	159	6	):	):	PUNCT
easat-7592	159	7	this	this	DET
easat-7592	159	8	variable	variable	NOUN
easat-7592	159	9	takes	take	VERB
easat-7592	159	10	the	the	DET
easat-7592	159	11	value	value	NOUN
easat-7592	159	12	1	1	NUM
easat-7592	159	13	if	if	SCONJ
easat-7592	159	14	the	the	DET
easat-7592	159	15	interviewee	interviewee	NOUN
easat-7592	159	16	is	be	AUX
easat-7592	159	17	married	marry	VERB
easat-7592	159	18	and	and	CCONJ
easat-7592	159	19	takes	take	VERB
easat-7592	159	20	the	the	DET
easat-7592	159	21	value	value	NOUN
easat-7592	159	22	0	0	PUNCT
easat-7592	159	23	if	if	SCONJ
easat-7592	159	24	the	the	DET
easat-7592	159	25	interviewee	interviewee	NOUN
easat-7592	159	26	is	be	AUX
easat-7592	159	27	not	not	PART
easat-7592	159	28	married	married	ADJ
easat-7592	159	29	.	.	PUNCT
easat-7592	160	1	•	•	NUM
easat-7592	160	2	education	education	NOUN
easat-7592	160	3	level	level	NOUN
easat-7592	160	4	(	(	PUNCT
easat-7592	160	5	edu	edu	PROPN
easat-7592	160	6	):	):	PUNCT
easat-7592	160	7	this	this	DET
easat-7592	160	8	variable	variable	NOUN
easat-7592	160	9	takes	take	VERB
easat-7592	160	10	the	the	DET
easat-7592	160	11	value	value	NOUN
easat-7592	160	12	0	0	PUNCT
easat-7592	160	13	when	when	SCONJ
easat-7592	160	14	the	the	DET
easat-7592	160	15	interviewee	interviewee	NOUN
easat-7592	160	16	has	have	VERB
easat-7592	160	17	no	no	DET
easat-7592	160	18	degree	degree	NOUN
easat-7592	160	19	,	,	PUNCT
easat-7592	160	20	takes	take	VERB
easat-7592	160	21	the	the	DET
easat-7592	160	22	value	value	NOUN
easat-7592	160	23	1	1	NUM
easat-7592	160	24	when	when	SCONJ
easat-7592	160	25	the	the	DET
easat-7592	160	26	education	education	NOUN
easat-7592	160	27	level	level	NOUN
easat-7592	160	28	is	be	AUX
easat-7592	160	29	primary	primary	ADJ
easat-7592	160	30	school	school	NOUN
easat-7592	160	31	,	,	PUNCT
easat-7592	160	32	takes	take	VERB
easat-7592	160	33	the	the	DET
easat-7592	160	34	value	value	NOUN
easat-7592	160	35	2	2	NUM
easat-7592	160	36	when	when	SCONJ
easat-7592	160	37	the	the	DET
easat-7592	160	38	interviewee	interviewee	NOUN
easat-7592	160	39	has	have	VERB
easat-7592	160	40	a	a	DET
easat-7592	160	41	secondary	secondary	ADJ
easat-7592	160	42	school	school	NOUN
easat-7592	160	43	degree	degree	NOUN
easat-7592	160	44	,	,	PUNCT
easat-7592	160	45	takes	take	VERB
easat-7592	160	46	the	the	DET
easat-7592	160	47	value	value	NOUN
easat-7592	160	48	3	3	NUM
easat-7592	160	49	when	when	SCONJ
easat-7592	160	50	the	the	DET
easat-7592	160	51	interviewee	interviewee	NOUN
easat-7592	160	52	has	have	VERB
easat-7592	160	53	a	a	DET
easat-7592	160	54	high	high	ADJ
easat-7592	160	55	school	school	NOUN
easat-7592	160	56	degree	degree	NOUN
easat-7592	160	57	and	and	CCONJ
easat-7592	160	58	takes	take	VERB
easat-7592	160	59	the	the	DET
easat-7592	160	60	value	value	NOUN
easat-7592	160	61	4	4	NUM
easat-7592	160	62	when	when	SCONJ
easat-7592	160	63	the	the	DET
easat-7592	160	64	interviewee	interviewee	NOUN
easat-7592	160	65	has	have	VERB
easat-7592	160	66	a	a	DET
easat-7592	160	67	college	college	NOUN
easat-7592	160	68	/	/	SYM
easat-7592	160	69	university	university	NOUN
easat-7592	160	70	degree	degree	NOUN
easat-7592	160	71	or	or	CCONJ
easat-7592	160	72	higher	high	ADJ
easat-7592	160	73	.	.	PUNCT
easat-7592	161	1	•	•	NUM
easat-7592	161	2	income	income	NOUN
easat-7592	161	3	(	(	PUNCT
easat-7592	161	4	inc	inc	PROPN
easat-7592	161	5	):	):	PUNCT
easat-7592	161	6	the	the	DET
easat-7592	161	7	variable	variable	NOUN
easat-7592	161	8	measured	measure	VERB
easat-7592	161	9	is	be	AUX
easat-7592	161	10	the	the	DET
easat-7592	161	11	total	total	ADJ
easat-7592	161	12	income	income	NOUN
easat-7592	161	13	in	in	ADP
easat-7592	161	14	12	12	NUM
easat-7592	161	15	months	month	NOUN
easat-7592	161	16	of	of	ADP
easat-7592	161	17	the	the	DET
easat-7592	161	18	interviewee	interviewee	NOUN
easat-7592	161	19	.	.	PUNCT
easat-7592	162	1	•	•	NUM
easat-7592	162	2	internet	internet	NOUN
easat-7592	162	3	use	use	NOUN
easat-7592	162	4	(	(	PUNCT
easat-7592	162	5	use	use	NOUN
easat-7592	162	6	):	):	PUNCT
easat-7592	162	7	this	this	DET
easat-7592	162	8	variable	variable	NOUN
easat-7592	162	9	takes	take	VERB
easat-7592	162	10	the	the	DET
easat-7592	162	11	value	value	NOUN
easat-7592	162	12	1	1	NUM
easat-7592	162	13	if	if	SCONJ
easat-7592	162	14	the	the	DET
easat-7592	162	15	interviewee	interviewee	NOUN
easat-7592	162	16	has	have	AUX
easat-7592	162	17	had	have	VERB
easat-7592	162	18	internet	internet	NOUN
easat-7592	162	19	access	access	NOUN
easat-7592	162	20	within	within	ADP
easat-7592	162	21	the	the	DET
easat-7592	162	22	past	past	ADJ
easat-7592	162	23	3	3	NUM
easat-7592	162	24	months	month	NOUN
easat-7592	162	25	and	and	CCONJ
easat-7592	162	26	takes	take	VERB
easat-7592	162	27	the	the	DET
easat-7592	162	28	value	value	NOUN
easat-7592	162	29	0	0	PUNCT
easat-7592	162	30	if	if	SCONJ
easat-7592	162	31	the	the	DET
easat-7592	162	32	interviewee	interviewee	NOUN
easat-7592	162	33	has	have	AUX
easat-7592	162	34	not	not	PART
easat-7592	162	35	had	have	VERB
easat-7592	162	36	internet	internet	NOUN
easat-7592	162	37	access	access	NOUN
easat-7592	162	38	within	within	ADP
easat-7592	162	39	the	the	DET
easat-7592	162	40	past	past	ADJ
easat-7592	162	41	3	3	NUM
easat-7592	162	42	months	month	NOUN
easat-7592	162	43	.	.	PUNCT
easat-7592	163	1	table	table	NOUN
easat-7592	163	2	2	2	NUM
easat-7592	163	3	.	.	PUNCT
easat-7592	164	1	dependent	dependent	ADJ
easat-7592	164	2	variables	variable	NOUN
easat-7592	164	3	.	.	PUNCT
easat-7592	165	1	variables	variable	NOUN
easat-7592	165	2	sign	sign	VERB
easat-7592	165	3	model	model	PROPN
easat-7592	165	4	own	own	ADJ
easat-7592	165	5	account	account	NOUN
easat-7592	165	6	acc	acc	PROPN
easat-7592	165	7	model	model	NOUN
easat-7592	165	8	(	(	PUNCT
easat-7592	165	9	1	1	X
easat-7592	165	10	)	)	PUNCT
easat-7592	165	11	use	use	VERB
easat-7592	165	12	savings	saving	NOUN
easat-7592	165	13	service	service	NOUN
easat-7592	165	14	sav	sav	PROPN
easat-7592	165	15	model	model	NOUN
easat-7592	165	16	(	(	PUNCT
easat-7592	165	17	2	2	X
easat-7592	165	18	)	)	PUNCT
easat-7592	165	19	use	use	NOUN
easat-7592	165	20	atm	atm	NOUN
easat-7592	165	21	card	card	NOUN
easat-7592	165	22	atm	atm	NOUN
easat-7592	165	23	model	model	NOUN
easat-7592	165	24	(	(	PUNCT
easat-7592	165	25	3	3	X
easat-7592	165	26	)	)	PUNCT
easat-7592	165	27	use	use	NOUN
easat-7592	165	28	credit	credit	NOUN
easat-7592	165	29	card	card	NOUN
easat-7592	165	30	cdc	cdc	PROPN
easat-7592	165	31	model	model	NOUN
easat-7592	165	32	(	(	PUNCT
easat-7592	165	33	4	4	X
easat-7592	165	34	)	)	PUNCT
easat-7592	165	35	use	use	NOUN
easat-7592	165	36	loan	loan	NOUN
easat-7592	165	37	service	service	PROPN
easat-7592	165	38	cre	cre	PROPN
easat-7592	165	39	model	model	NOUN
easat-7592	165	40	(	(	PUNCT
easat-7592	165	41	5	5	X
easat-7592	165	42	)	)	PUNCT
easat-7592	165	43	use	use	NOUN
easat-7592	165	44	insurance	insurance	NOUN
easat-7592	165	45	,	,	PUNCT
easat-7592	165	46	investment	investment	NOUN
easat-7592	165	47	services	service	NOUN
easat-7592	165	48	inv	inv	NOUN
easat-7592	165	49	model	model	NOUN
easat-7592	165	50	(	(	PUNCT
easat-7592	165	51	6	6	NUM
easat-7592	165	52	)	)	PUNCT
easat-7592	165	53	aggregate	aggregate	ADJ
easat-7592	165	54	financial	financial	ADJ
easat-7592	165	55	inclusion	inclusion	NOUN
easat-7592	165	56	index	index	NOUN
easat-7592	165	57	fii	fii	PROPN
easat-7592	165	58	model	model	PROPN
easat-7592	165	59	(	(	PUNCT
easat-7592	165	60	7	7	NUM
easat-7592	165	61	)	)	PUNCT
easat-7592	165	62	4	4	NUM
easat-7592	165	63	.	.	PUNCT
easat-7592	166	1	the	the	DET
easat-7592	166	2	model	model	NOUN
easat-7592	166	3	of	of	ADP
easat-7592	166	4	demand	demand	NOUN
easat-7592	166	5	-	-	PUNCT
easat-7592	166	6	side	side	NOUN
easat-7592	166	7	factors	factor	NOUN
easat-7592	166	8	affecting	affect	VERB
easat-7592	166	9	financial	financial	ADJ
easat-7592	166	10	inclusion	inclusion	NOUN
easat-7592	166	11	4.1	4.1	NUM
easat-7592	166	12	.	.	PUNCT
easat-7592	167	1	descriptive	descriptive	ADJ
easat-7592	167	2	statistics	statistic	NOUN
easat-7592	167	3	and	and	CCONJ
easat-7592	167	4	preliminary	preliminary	ADJ
easat-7592	167	5	tests	test	NOUN
easat-7592	167	6	to	to	PART
easat-7592	167	7	gain	gain	VERB
easat-7592	167	8	an	an	DET
easat-7592	167	9	initial	initial	ADJ
easat-7592	167	10	understanding	understanding	NOUN
easat-7592	167	11	of	of	ADP
easat-7592	167	12	the	the	DET
easat-7592	167	13	data	datum	NOUN
easat-7592	167	14	and	and	CCONJ
easat-7592	167	15	variables	variable	NOUN
easat-7592	167	16	used	use	VERB
easat-7592	167	17	in	in	ADP
easat-7592	167	18	the	the	DET
easat-7592	167	19	model	model	NOUN
easat-7592	167	20	analyzing	analyze	VERB
easat-7592	167	21	demand	demand	NOUN
easat-7592	167	22	-	-	PUNCT
easat-7592	167	23	side	side	NOUN
easat-7592	167	24	factors	factor	NOUN
easat-7592	167	25	influencing	influence	VERB
easat-7592	167	26	financial	financial	ADJ
easat-7592	167	27	inclusion	inclusion	NOUN
easat-7592	167	28	,	,	PUNCT
easat-7592	167	29	descriptive	descriptive	ADJ
easat-7592	167	30	statistics	statistic	NOUN
easat-7592	167	31	were	be	AUX
easat-7592	167	32	calculated	calculate	VERB
easat-7592	167	33	.	.	PUNCT
easat-7592	168	1	table	table	NOUN
easat-7592	168	2	3	3	NUM
easat-7592	168	3	presents	present	NOUN
easat-7592	168	4	summary	summary	NOUN
easat-7592	168	5	statistics	statistic	NOUN
easat-7592	168	6	for	for	ADP
easat-7592	168	7	both	both	CCONJ
easat-7592	168	8	the	the	DET
easat-7592	168	9	dependent	dependent	ADJ
easat-7592	168	10	and	and	CCONJ
easat-7592	168	11	independent	independent	ADJ
easat-7592	168	12	variables	variable	NOUN
easat-7592	168	13	,	,	PUNCT
easat-7592	168	14	including	include	VERB
easat-7592	168	15	the	the	DET
easat-7592	168	16	number	number	NOUN
easat-7592	168	17	of	of	ADP
easat-7592	168	18	observations	observation	NOUN
easat-7592	168	19	,	,	PUNCT
easat-7592	168	20	mean	mean	VERB
easat-7592	168	21	,	,	PUNCT
easat-7592	168	22	standard	standard	ADJ
easat-7592	168	23	deviation	deviation	NOUN
easat-7592	168	24	,	,	PUNCT
easat-7592	168	25	minimum	minimum	NOUN
easat-7592	168	26	,	,	PUNCT
easat-7592	168	27	and	and	CCONJ
easat-7592	168	28	maximum	maximum	ADJ
easat-7592	168	29	values	value	NOUN
easat-7592	168	30	.	.	PUNCT
easat-7592	169	1	2807	2807	NUM
easat-7592	169	2	edelweiss	edelweiss	PROPN
easat-7592	169	3	applied	apply	VERB
easat-7592	169	4	science	science	NOUN
easat-7592	169	5	and	and	CCONJ
easat-7592	169	6	technology	technology	NOUN
easat-7592	169	7	issn	issn	PROPN
easat-7592	169	8	:	:	PUNCT
easat-7592	169	9	2576	2576	NUM
easat-7592	169	10	-	-	SYM
easat-7592	169	11	8484	8484	NUM
easat-7592	169	12	vol	vol	NOUN
easat-7592	169	13	.	.	PROPN
easat-7592	169	14	9	9	NUM
easat-7592	169	15	,	,	PUNCT
easat-7592	169	16	no	no	INTJ
easat-7592	169	17	.	.	NOUN
easat-7592	169	18	5	5	NUM
easat-7592	169	19	:	:	SYM
easat-7592	169	20	2801	2801	NUM
easat-7592	169	21	-	-	SYM
easat-7592	169	22	2815	2815	NUM
easat-7592	169	23	,	,	PUNCT
easat-7592	169	24	2025	2025	NUM
easat-7592	169	25	doi	doi	NOUN
easat-7592	169	26	:	:	PUNCT
easat-7592	169	27	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	169	28	©	©	PROPN
easat-7592	169	29	2025	2025	NUM
easat-7592	169	30	by	by	ADP
easat-7592	169	31	the	the	DET
easat-7592	169	32	author	author	NOUN
easat-7592	169	33	;	;	PUNCT
easat-7592	169	34	licensee	licensee	PROPN
easat-7592	169	35	learning	learn	VERB
easat-7592	169	36	gate	gate	NOUN
easat-7592	169	37	table	table	NOUN
easat-7592	169	38	3	3	NUM
easat-7592	169	39	.	.	PUNCT
easat-7592	169	40	descriptive	descriptive	ADJ
easat-7592	169	41	statistics	statistic	NOUN
easat-7592	169	42	of	of	ADP
easat-7592	169	43	variables	variable	NOUN
easat-7592	169	44	used	use	VERB
easat-7592	169	45	in	in	ADP
easat-7592	169	46	the	the	DET
easat-7592	169	47	model	model	NOUN
easat-7592	169	48	.	.	PUNCT
easat-7592	170	1	variable	variable	ADJ
easat-7592	170	2	name	name	NOUN
easat-7592	170	3	observations	observation	NOUN
easat-7592	170	4	mean	mean	VERB
easat-7592	170	5	standard	standard	ADJ
easat-7592	170	6	deviation	deviation	NOUN
easat-7592	170	7	min	min	PROPN
easat-7592	170	8	.	.	PROPN
easat-7592	170	9	max	max	PROPN
easat-7592	170	10	.	.	PUNCT
easat-7592	171	1	dependent	dependent	PROPN
easat-7592	171	2	variables	variable	NOUN
easat-7592	171	3	fii	fii	PROPN
easat-7592	171	4	9,396	9,396	NUM
easat-7592	171	5	1.03576	1.03576	NUM
easat-7592	171	6	1.176132	1.176132	NUM
easat-7592	171	7	0	0	NUM
easat-7592	171	8	6	6	NUM
easat-7592	171	9	acc	acc	PROPN
easat-7592	171	10	9,396	9,396	NUM
easat-7592	171	11	0.2762878	0.2762878	NUM
easat-7592	171	12	0.4471847	0.4471847	NUM
easat-7592	171	13	0	0	NUM
easat-7592	171	14	1	1	NUM
easat-7592	171	15	sav	sav	NOUN
easat-7592	171	16	9,396	9,396	NUM
easat-7592	171	17	0.1306939	0.1306939	NUM
easat-7592	171	18	0.3370832	0.3370832	NUM
easat-7592	171	19	0	0	NUM
easat-7592	171	20	1	1	NUM
easat-7592	171	21	atm	atm	NOUN
easat-7592	171	22	9,396	9,396	NUM
easat-7592	171	23	0.3670711	0.3670711	NUM
easat-7592	171	24	0.4820318	0.4820318	NUM
easat-7592	171	25	0	0	NUM
easat-7592	171	26	1	1	NUM
easat-7592	171	27	cdc	cdc	PROPN
easat-7592	171	28	9,396	9,396	NUM
easat-7592	171	29	0.0304385	0.0304385	NUM
easat-7592	171	30	0.1717997	0.1717997	NUM
easat-7592	171	31	0	0	NUM
easat-7592	171	32	1	1	NUM
easat-7592	171	33	inv	inv	VERB
easat-7592	171	34	9,396	9,396	NUM
easat-7592	171	35	0.0577905	0.0577905	VERB
easat-7592	171	36	0.2333594	0.2333594	NUM
easat-7592	171	37	0	0	NUM
easat-7592	171	38	1	1	NUM
easat-7592	171	39	cre	cre	PROPN
easat-7592	171	40	9,396	9,396	NUM
easat-7592	171	41	0.1734781	0.1734781	NUM
easat-7592	171	42	0.3786802	0.3786802	NUM
easat-7592	171	43	0	0	NUM
easat-7592	171	44	1	1	NUM
easat-7592	171	45	impact	impact	NOUN
easat-7592	171	46	variables	variable	NOUN
easat-7592	171	47	gen	gen	PROPN
easat-7592	171	48	9,396	9,396	NUM
easat-7592	171	49	0.7465943	0.7465943	NUM
easat-7592	171	50	0.4349844	0.4349844	NUM
easat-7592	171	51	0	0	NUM
easat-7592	171	52	1	1	NUM
easat-7592	171	53	age	age	NOUN
easat-7592	171	54	9,396	9,396	NUM
easat-7592	171	55	52.4023	52.4023	NUM
easat-7592	171	56	13.66847	13.66847	NUM
easat-7592	171	57	19	19	NUM
easat-7592	171	58	101	101	NUM
easat-7592	171	59	age2	age2	NOUN
easat-7592	171	60	9,396	9,396	NUM
easat-7592	172	1	2932.808	2932.808	NUM
easat-7592	173	1	1523.868	1523.868	NUM
easat-7592	173	2	361	361	NUM
easat-7592	173	3	10201	10201	NUM
easat-7592	173	4	mar	mar	PROPN
easat-7592	173	5	9,396	9,396	NUM
easat-7592	173	6	0.3813325	0.3813325	NUM
easat-7592	173	7	0.4857398	0.4857398	NUM
easat-7592	173	8	0	0	NUM
easat-7592	173	9	1	1	NUM
easat-7592	173	10	edu	edu	PROPN
easat-7592	173	11	9,396	9,396	NUM
easat-7592	173	12	1.635057	1.635057	NUM
easat-7592	173	13	1.209401	1.209401	NUM
easat-7592	173	14	0	0	NUM
easat-7592	173	15	4	4	NUM
easat-7592	173	16	inc	inc	PROPN
easat-7592	173	17	9,396	9,396	NUM
easat-7592	173	18	169250.1	169250.1	NUM
easat-7592	173	19	677432.1	677432.1	NUM
easat-7592	173	20	0	0	NUM
easat-7592	173	21	5.23e+	5.23e+	NUM
easat-7592	173	22	07	07	NUM
easat-7592	173	23	use	use	NOUN
easat-7592	173	24	9,396	9,396	NUM
easat-7592	173	25	0.3813325	0.3813325	NUM
easat-7592	173	26	0.4857398	0.4857398	NUM
easat-7592	173	27	0	0	NUM
easat-7592	173	28	1	1	NUM
easat-7592	173	29	based	base	VERB
easat-7592	173	30	on	on	ADP
easat-7592	173	31	the	the	DET
easat-7592	173	32	2022	2022	NUM
easat-7592	173	33	household	household	NOUN
easat-7592	173	34	survey	survey	NOUN
easat-7592	173	35	data	datum	NOUN
easat-7592	173	36	,	,	PUNCT
easat-7592	173	37	the	the	DET
easat-7592	173	38	study	study	NOUN
easat-7592	173	39	collected	collect	VERB
easat-7592	173	40	9,396	9,396	NUM
easat-7592	173	41	observations	observation	NOUN
easat-7592	173	42	.	.	PUNCT
easat-7592	174	1	a	a	DET
easat-7592	174	2	more	more	ADV
easat-7592	174	3	detailed	detailed	ADJ
easat-7592	174	4	analysis	analysis	NOUN
easat-7592	174	5	of	of	ADP
easat-7592	174	6	the	the	DET
easat-7592	174	7	descriptive	descriptive	ADJ
easat-7592	174	8	statistics	statistic	NOUN
easat-7592	174	9	(	(	PUNCT
easat-7592	174	10	as	as	SCONJ
easat-7592	174	11	shown	show	VERB
easat-7592	174	12	in	in	ADP
easat-7592	174	13	the	the	DET
easat-7592	174	14	table	table	NOUN
easat-7592	174	15	above	above	ADV
easat-7592	174	16	)	)	PUNCT
easat-7592	174	17	reveals	reveal	VERB
easat-7592	174	18	a	a	DET
easat-7592	174	19	notable	notable	ADJ
easat-7592	174	20	dispersion	dispersion	NOUN
easat-7592	174	21	among	among	ADP
easat-7592	174	22	the	the	DET
easat-7592	174	23	observations	observation	NOUN
easat-7592	174	24	within	within	ADP
easat-7592	174	25	the	the	DET
easat-7592	174	26	research	research	NOUN
easat-7592	174	27	sample	sample	NOUN
easat-7592	174	28	.	.	PUNCT
easat-7592	175	1	figure	figure	NOUN
easat-7592	175	2	1	1	NUM
easat-7592	175	3	.	.	NOUN
easat-7592	175	4	proportion	proportion	NOUN
easat-7592	175	5	of	of	ADP
easat-7592	175	6	financial	financial	ADJ
easat-7592	175	7	and	and	CCONJ
easat-7592	175	8	banking	banking	NOUN
easat-7592	175	9	services	service	NOUN
easat-7592	175	10	usage	usage	NOUN
easat-7592	175	11	within	within	ADP
easat-7592	175	12	the	the	DET
easat-7592	175	13	research	research	NOUN
easat-7592	175	14	sample	sample	NOUN
easat-7592	175	15	.	.	PUNCT
easat-7592	176	1	the	the	DET
easat-7592	176	2	research	research	NOUN
easat-7592	176	3	sample	sample	NOUN
easat-7592	176	4	comprises	comprise	VERB
easat-7592	176	5	9,396	9,396	NUM
easat-7592	176	6	individuals	individual	NOUN
easat-7592	176	7	who	who	PRON
easat-7592	176	8	participated	participate	VERB
easat-7592	176	9	in	in	ADP
easat-7592	176	10	a	a	DET
easat-7592	176	11	survey	survey	NOUN
easat-7592	176	12	regarding	regard	VERB
easat-7592	176	13	the	the	DET
easat-7592	176	14	ownership	ownership	NOUN
easat-7592	176	15	and	and	CCONJ
easat-7592	176	16	usage	usage	NOUN
easat-7592	176	17	of	of	ADP
easat-7592	176	18	banking	banking	NOUN
easat-7592	176	19	and	and	CCONJ
easat-7592	176	20	financial	financial	ADJ
easat-7592	176	21	services	service	NOUN
easat-7592	176	22	.	.	PUNCT
easat-7592	177	1	figure	figure	NOUN
easat-7592	177	2	1	1	NUM
easat-7592	177	3	illustrates	illustrate	VERB
easat-7592	177	4	the	the	DET
easat-7592	177	5	proportion	proportion	NOUN
easat-7592	177	6	of	of	ADP
easat-7592	177	7	financial	financial	ADJ
easat-7592	177	8	and	and	CCONJ
easat-7592	177	9	banking	banking	NOUN
easat-7592	177	10	service	service	NOUN
easat-7592	177	11	usage	usage	NOUN
easat-7592	177	12	within	within	ADP
easat-7592	177	13	the	the	DET
easat-7592	177	14	sample	sample	NOUN
easat-7592	177	15	.	.	PUNCT
easat-7592	178	1	among	among	ADP
easat-7592	178	2	the	the	DET
easat-7592	178	3	services	service	NOUN
easat-7592	178	4	,	,	PUNCT
easat-7592	178	5	the	the	DET
easat-7592	178	6	most	most	ADV
easat-7592	178	7	commonly	commonly	ADV
easat-7592	178	8	used	use	VERB
easat-7592	178	9	product	product	NOUN
easat-7592	178	10	is	be	AUX
easat-7592	178	11	the	the	DET
easat-7592	178	12	bank	bank	NOUN
easat-7592	178	13	account	account	NOUN
easat-7592	178	14	(	(	PUNCT
easat-7592	178	15	acc	acc	PROPN
easat-7592	178	16	)	)	PUNCT
easat-7592	178	17	,	,	PUNCT
easat-7592	178	18	with	with	ADP
easat-7592	178	19	27.63	27.63	NUM
easat-7592	178	20	%	%	NOUN
easat-7592	178	21	of	of	ADP
easat-7592	178	22	respondents	respondent	NOUN
easat-7592	178	23	reporting	report	VERB
easat-7592	178	24	ownership	ownership	NOUN
easat-7592	178	25	of	of	ADP
easat-7592	178	26	a	a	DET
easat-7592	178	27	bank	bank	NOUN
easat-7592	178	28	account	account	NOUN
easat-7592	178	29	.	.	PUNCT
easat-7592	179	1	two	two	NUM
easat-7592	179	2	services	service	NOUN
easat-7592	179	3	with	with	ADP
easat-7592	179	4	relatively	relatively	ADV
easat-7592	179	5	lower	low	ADJ
easat-7592	179	6	levels	level	NOUN
easat-7592	179	7	of	of	ADP
easat-7592	179	8	usage	usage	NOUN
easat-7592	179	9	are	be	AUX
easat-7592	179	10	credit	credit	NOUN
easat-7592	179	11	services	service	NOUN
easat-7592	179	12	(	(	PUNCT
easat-7592	179	13	cre	cre	PROPN
easat-7592	179	14	)	)	PUNCT
easat-7592	179	15	and	and	CCONJ
easat-7592	179	16	savings	saving	NOUN
easat-7592	179	17	products	product	NOUN
easat-7592	179	18	(	(	PUNCT
easat-7592	179	19	sav	sav	NOUN
easat-7592	179	20	)	)	PUNCT
easat-7592	179	21	,	,	PUNCT
easat-7592	179	22	with	with	ADP
easat-7592	179	23	17.35	17.35	NUM
easat-7592	179	24	%	%	NOUN
easat-7592	179	25	of	of	ADP
easat-7592	179	26	respondents	respondent	NOUN
easat-7592	179	27	using	use	VERB
easat-7592	179	28	credit	credit	NOUN
easat-7592	179	29	services	service	NOUN
easat-7592	179	30	and	and	CCONJ
easat-7592	179	31	13.07	13.07	NUM
easat-7592	179	32	%	%	NOUN
easat-7592	179	33	utilizing	utilize	VERB
easat-7592	179	34	savings	saving	NOUN
easat-7592	179	35	services	service	NOUN
easat-7592	179	36	.	.	PUNCT
easat-7592	180	1	the	the	DET
easat-7592	180	2	least	least	ADV
easat-7592	180	3	commonly	commonly	ADV
easat-7592	180	4	2808	2808	NUM
easat-7592	180	5	edelweiss	edelweiss	PROPN
easat-7592	180	6	applied	apply	VERB
easat-7592	180	7	science	science	NOUN
easat-7592	180	8	and	and	CCONJ
easat-7592	180	9	technology	technology	NOUN
easat-7592	180	10	issn	issn	PROPN
easat-7592	180	11	:	:	PUNCT
easat-7592	180	12	2576	2576	NUM
easat-7592	180	13	-	-	SYM
easat-7592	180	14	8484	8484	NUM
easat-7592	180	15	vol	vol	NOUN
easat-7592	180	16	.	.	PROPN
easat-7592	181	1	9	9	NUM
easat-7592	181	2	,	,	PUNCT
easat-7592	181	3	no	no	INTJ
easat-7592	181	4	.	.	NOUN
easat-7592	181	5	5	5	NUM
easat-7592	181	6	:	:	SYM
easat-7592	181	7	2801	2801	NUM
easat-7592	181	8	-	-	SYM
easat-7592	181	9	2815	2815	NUM
easat-7592	181	10	,	,	PUNCT
easat-7592	181	11	2025	2025	NUM
easat-7592	181	12	doi	doi	NOUN
easat-7592	181	13	:	:	PUNCT
easat-7592	181	14	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	181	15	©	©	PROPN
easat-7592	181	16	2025	2025	NUM
easat-7592	181	17	by	by	ADP
easat-7592	181	18	the	the	DET
easat-7592	181	19	author	author	NOUN
easat-7592	181	20	;	;	PUNCT
easat-7592	181	21	licensee	licensee	PROPN
easat-7592	181	22	learning	learning	NOUN
easat-7592	181	23	gate	gate	PROPN
easat-7592	181	24	used	use	VERB
easat-7592	181	25	services	service	NOUN
easat-7592	181	26	are	be	AUX
easat-7592	181	27	investment	investment	NOUN
easat-7592	181	28	and	and	CCONJ
easat-7592	181	29	insurance	insurance	NOUN
easat-7592	181	30	,	,	PUNCT
easat-7592	181	31	as	as	ADV
easat-7592	181	32	well	well	ADV
easat-7592	181	33	as	as	ADP
easat-7592	181	34	credit	credit	NOUN
easat-7592	181	35	card	card	NOUN
easat-7592	181	36	services	service	NOUN
easat-7592	181	37	.	.	PUNCT
easat-7592	182	1	specifically	specifically	ADV
easat-7592	182	2	,	,	PUNCT
easat-7592	182	3	5.78	5.78	NUM
easat-7592	182	4	%	%	NOUN
easat-7592	182	5	of	of	ADP
easat-7592	182	6	individuals	individual	NOUN
easat-7592	182	7	reported	report	VERB
easat-7592	182	8	using	use	VERB
easat-7592	182	9	investment	investment	NOUN
easat-7592	182	10	and	and	CCONJ
easat-7592	182	11	insurance	insurance	NOUN
easat-7592	182	12	services	service	NOUN
easat-7592	182	13	,	,	PUNCT
easat-7592	182	14	while	while	SCONJ
easat-7592	182	15	only	only	ADV
easat-7592	182	16	3.04	3.04	NUM
easat-7592	182	17	%	%	NOUN
easat-7592	182	18	of	of	ADP
easat-7592	182	19	the	the	DET
easat-7592	182	20	surveyed	survey	VERB
easat-7592	182	21	population	population	NOUN
easat-7592	182	22	reported	report	VERB
easat-7592	182	23	using	use	VERB
easat-7592	182	24	credit	credit	NOUN
easat-7592	182	25	card	card	NOUN
easat-7592	182	26	services	service	NOUN
easat-7592	182	27	.	.	PUNCT
easat-7592	183	1	2809	2809	NUM
easat-7592	183	2	edelweiss	edelweiss	PROPN
easat-7592	183	3	applied	apply	VERB
easat-7592	183	4	science	science	NOUN
easat-7592	183	5	and	and	CCONJ
easat-7592	183	6	technology	technology	NOUN
easat-7592	183	7	issn	issn	PROPN
easat-7592	183	8	:	:	PUNCT
easat-7592	183	9	2576	2576	NUM
easat-7592	183	10	-	-	SYM
easat-7592	183	11	8484	8484	NUM
easat-7592	183	12	vol	vol	NOUN
easat-7592	183	13	.	.	PROPN
easat-7592	184	1	9	9	NUM
easat-7592	184	2	,	,	PUNCT
easat-7592	184	3	no	no	INTJ
easat-7592	184	4	.	.	NOUN
easat-7592	184	5	5	5	NUM
easat-7592	184	6	:	:	SYM
easat-7592	184	7	2801	2801	NUM
easat-7592	184	8	-	-	SYM
easat-7592	184	9	2815	2815	NUM
easat-7592	184	10	,	,	PUNCT
easat-7592	184	11	2025	2025	NUM
easat-7592	184	12	doi	doi	NOUN
easat-7592	184	13	:	:	PUNCT
easat-7592	184	14	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	184	15	©	©	PROPN
easat-7592	184	16	2025	2025	NUM
easat-7592	184	17	by	by	ADP
easat-7592	184	18	the	the	DET
easat-7592	184	19	author	author	NOUN
easat-7592	184	20	;	;	PUNCT
easat-7592	184	21	licensee	licensee	PROPN
easat-7592	184	22	learning	learn	VERB
easat-7592	184	23	gate	gate	NOUN
easat-7592	184	24	table	table	NOUN
easat-7592	184	25	4	4	NUM
easat-7592	184	26	.	.	PUNCT
easat-7592	184	27	correlation	correlation	NOUN
easat-7592	184	28	matrix	matrix	NOUN
easat-7592	184	29	of	of	ADP
easat-7592	184	30	variables	variable	NOUN
easat-7592	184	31	in	in	ADP
easat-7592	184	32	the	the	DET
easat-7592	184	33	model	model	NOUN
easat-7592	184	34	.	.	PUNCT
easat-7592	185	1	fii	fii	PROPN
easat-7592	185	2	acc	acc	PROPN
easat-7592	185	3	sav	sav	PROPN
easat-7592	185	4	atm	atm	PROPN
easat-7592	185	5	cdc	cdc	PROPN
easat-7592	185	6	inv	inv	PROPN
easat-7592	185	7	cre	cre	PROPN
easat-7592	185	8	gen	gen	PROPN
easat-7592	185	9	age	age	PROPN
easat-7592	185	10	age2	age2	PROPN
easat-7592	185	11	edu	edu	PROPN
easat-7592	185	12	inc	inc	PROPN
easat-7592	185	13	use	use	PROPN
easat-7592	185	14	mar	mar	PROPN
easat-7592	185	15	fii	fii	PROPN
easat-7592	185	16	1,0000	1,0000	NUM
easat-7592	185	17	acc	acc	NOUN
easat-7592	185	18	0.8138	0.8138	NUM
easat-7592	185	19	1,0000	1,0000	NUM
easat-7592	185	20	sav	sav	NOUN
easat-7592	185	21	0.5327	0.5327	VERB
easat-7592	185	22	0.3317	0.3317	NUM
easat-7592	185	23	1,0000	1,0000	NUM
easat-7592	185	24	atm	atm	NOUN
easat-7592	185	25	0.7958	0.7958	NUM
easat-7592	185	26	0.7121	0.7121	NUM
easat-7592	185	27	0.2438	0.2438	NUM
easat-7592	185	28	1,0000	1,0000	NUM
easat-7592	185	29	cdc	cdc	PROPN
easat-7592	185	30	0.4145	0.4145	NUM
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easat-7592	185	32	0.2750	0.2750	NUM
easat-7592	185	33	0.2095	0.2095	NUM
easat-7592	185	34	1,0000	1,0000	NUM
easat-7592	185	35	inv	inv	VERB
easat-7592	185	36	0.3652	0.3652	NUM
easat-7592	185	37	0.1356	0.1356	NUM
easat-7592	185	38	0.1083	0.1083	NUM
easat-7592	185	39	0.1473	0.1473	NUM
easat-7592	185	40	0.1021	0.1021	NUM
easat-7592	185	41	1,0000	1,0000	NUM
easat-7592	185	42	cre	cre	PROPN
easat-7592	185	43	0.2447	0.2447	NUM
easat-7592	185	44	-0.0549	-0.0549	NOUN
easat-7592	185	45	-0.1293	-0.1293	NOUN
easat-7592	185	46	-0.0451	-0.0451	NOUN
easat-7592	185	47	-0.0435	-0.0435	PUNCT
easat-7592	186	1	0.0275	0.0275	NUM
easat-7592	186	2	1,0000	1,0000	NUM
easat-7592	186	3	gen	gen	NOUN
easat-7592	186	4	-0.0185	-0.0185	NOUN
easat-7592	186	5	-0.0269	-0.0269	X
easat-7592	187	1	-0.0362	-0.0362	PROPN
easat-7592	187	2	-0.0213	-0.0213	PROPN
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easat-7592	187	4	-0.0004	-0.0004	NOUN
easat-7592	188	1	0.0459	0.0459	NUM
easat-7592	188	2	1,0000	1,0000	NUM
easat-7592	188	3	age	age	NOUN
easat-7592	188	4	-0.1036	-0.1036	NOUN
easat-7592	188	5	-0.0749	-0.0749	VERB
easat-7592	188	6	0.0497	0.0497	NUM
easat-7592	188	7	-0.1021	-0.1021	NOUN
easat-7592	188	8	-0.0197	-0.0197	PROPN
easat-7592	189	1	-0.0372	-0.0372	VERB
easat-7592	189	2	-0.1157	-0.1157	PROPN
easat-7592	189	3	-0.2037	-0.2037	PUNCT
easat-7592	190	1	1,0000	1,0000	NUM
easat-7592	190	2	age2	age2	NOUN
easat-7592	190	3	-0.1175	-0.1175	NOUN
easat-7592	190	4	-0.0844	-0.0844	NOUN
easat-7592	191	1	0.0416	0.0416	NUM
easat-7592	191	2	-0.1156	-0.1156	PROPN
easat-7592	191	3	-0.0196	-0.0196	NOUN
easat-7592	191	4	-0.0422	-0.0422	PUNCT
easat-7592	191	5	-0.1204	-0.1204	PROPN
easat-7592	191	6	-0.2078	-0.2078	VERB
easat-7592	192	1	0.9867	0.9867	NUM
easat-7592	192	2	1,0000	1,0000	NUM
easat-7592	192	3	edu	edu	PROPN
easat-7592	192	4	0.3877	0.3877	NUM
easat-7592	192	5	0.3354	0.3354	NUM
easat-7592	192	6	0.2679	0.2679	NUM
easat-7592	192	7	0.3709	0.3709	NUM
easat-7592	192	8	0.1851	0.1851	NUM
easat-7592	192	9	0.1109	0.1109	NUM
easat-7592	192	10	-0.0549	-0.0549	NOUN
easat-7592	192	11	0.1117	0.1117	NUM
easat-7592	192	12	-0.1884	-0.1884	NOUN
easat-7592	192	13	-0.1971	-0.1971	X
easat-7592	193	1	1,0000	1,0000	NUM
easat-7592	193	2	inc	inc	PROPN
easat-7592	193	3	0.1295	0.1295	NUM
easat-7592	193	4	0.0921	0.0921	NUM
easat-7592	193	5	0.0505	0.0505	NUM
easat-7592	193	6	0.0731	0.0731	NUM
easat-7592	193	7	0.1204	0.1204	NUM
easat-7592	193	8	0.0894	0.0894	NUM
easat-7592	193	9	0.0457	0.0457	NUM
easat-7592	193	10	0.0343	0.0343	NUM
easat-7592	193	11	-0.0500	-0.0500	NOUN
easat-7592	193	12	-0.0541	-0.0541	VERB
easat-7592	194	1	0.0818	0.0818	NUM
easat-7592	194	2	1,0000	1,0000	NUM
easat-7592	194	3	use	use	VERB
easat-7592	194	4	0.3679	0.3679	NUM
easat-7592	194	5	0.3352	0.3352	NUM
easat-7592	194	6	0.2000	0.2000	NUM
easat-7592	194	7	0.3599	0.3599	NUM
easat-7592	194	8	0.1492	0.1492	NUM
easat-7592	194	9	0.1211	0.1211	NUM
easat-7592	194	10	-0.0316	-0.0316	VERB
easat-7592	195	1	0.0927	0.0927	NUM
easat-7592	195	2	-0.3619	-0.3619	NOUN
easat-7592	195	3	-0.3553	-0.3553	VERB
easat-7592	195	4	0.4417	0.4417	NUM
easat-7592	195	5	0.1251	0.1251	NUM
easat-7592	195	6	1,0000	1,0000	NUM
easat-7592	195	7	mar	mar	PROPN
easat-7592	195	8	0.0101	0.0101	PROPN
easat-7592	195	9	-0.0193	-0.0193	NOUN
easat-7592	195	10	-0.0084	-0.0084	PROPN
easat-7592	196	1	0.0031	0.0031	NUM
easat-7592	196	2	-0.0141	-0.0141	NOUN
easat-7592	196	3	0.0145	0.0145	NUM
easat-7592	196	4	0.0552	0.0552	NUM
easat-7592	197	1	0.1517	0.1517	NUM
easat-7592	197	2	0.0552	0.0552	NUM
easat-7592	197	3	0.0458	0.0458	NUM
easat-7592	197	4	-0.0203	-0.0203	NOUN
easat-7592	197	5	0.0173	0.0173	NUM
easat-7592	197	6	-0.0198	-0.0198	NOUN
easat-7592	197	7	1,000	1,000	NUM
easat-7592	197	8	note	note	NOUN
easat-7592	197	9	:	:	PUNCT
easat-7592	197	10	the	the	DET
easat-7592	197	11	correlation	correlation	NOUN
easat-7592	197	12	matrix	matrix	NOUN
easat-7592	197	13	between	between	ADP
easat-7592	197	14	the	the	DET
easat-7592	197	15	dependent	dependent	ADJ
easat-7592	197	16	and	and	CCONJ
easat-7592	197	17	independent	independent	ADJ
easat-7592	197	18	variables	variable	NOUN
easat-7592	197	19	shows	show	VERB
easat-7592	197	20	that	that	SCONJ
easat-7592	197	21	all	all	DET
easat-7592	197	22	correlation	correlation	NOUN
easat-7592	197	23	coefficients	coefficient	NOUN
easat-7592	197	24	are	be	AUX
easat-7592	197	25	below	below	ADP
easat-7592	197	26	0.8	0.8	NUM
easat-7592	197	27	.	.	PUNCT
easat-7592	198	1	this	this	PRON
easat-7592	198	2	indicates	indicate	VERB
easat-7592	198	3	that	that	SCONJ
easat-7592	198	4	there	there	PRON
easat-7592	198	5	is	be	VERB
easat-7592	198	6	no	no	DET
easat-7592	198	7	significant	significant	ADJ
easat-7592	198	8	multicollinearity	multicollinearity	NOUN
easat-7592	198	9	among	among	ADP
easat-7592	198	10	the	the	DET
easat-7592	198	11	variables	variable	NOUN
easat-7592	198	12	included	include	VERB
easat-7592	198	13	in	in	ADP
easat-7592	198	14	the	the	DET
easat-7592	198	15	model	model	NOUN
easat-7592	198	16	that	that	PRON
easat-7592	198	17	could	could	AUX
easat-7592	198	18	potentially	potentially	ADV
easat-7592	198	19	bias	bias	VERB
easat-7592	198	20	the	the	DET
easat-7592	198	21	estimation	estimation	NOUN
easat-7592	198	22	results	result	NOUN
easat-7592	198	23	.	.	PUNCT
easat-7592	199	1	2810	2810	NUM
easat-7592	199	2	edelweiss	edelweiss	PROPN
easat-7592	199	3	applied	apply	VERB
easat-7592	199	4	science	science	NOUN
easat-7592	199	5	and	and	CCONJ
easat-7592	199	6	technology	technology	NOUN
easat-7592	199	7	issn	issn	PROPN
easat-7592	199	8	:	:	PUNCT
easat-7592	199	9	2576	2576	NUM
easat-7592	199	10	-	-	SYM
easat-7592	199	11	8484	8484	NUM
easat-7592	199	12	vol	vol	NOUN
easat-7592	199	13	.	.	PROPN
easat-7592	200	1	9	9	NUM
easat-7592	200	2	,	,	PUNCT
easat-7592	200	3	no	no	INTJ
easat-7592	200	4	.	.	NOUN
easat-7592	200	5	5	5	NUM
easat-7592	200	6	:	:	SYM
easat-7592	200	7	2801	2801	NUM
easat-7592	200	8	-	-	SYM
easat-7592	200	9	2815	2815	NUM
easat-7592	200	10	,	,	PUNCT
easat-7592	200	11	2025	2025	NUM
easat-7592	200	12	doi	doi	NOUN
easat-7592	200	13	:	:	PUNCT
easat-7592	200	14	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	200	15	©	©	PROPN
easat-7592	200	16	2025	2025	NUM
easat-7592	200	17	by	by	ADP
easat-7592	200	18	the	the	DET
easat-7592	200	19	author	author	NOUN
easat-7592	200	20	;	;	PUNCT
easat-7592	200	21	licensee	licensee	PROPN
easat-7592	200	22	learning	learning	NOUN
easat-7592	200	23	gate	gate	VERB
easat-7592	200	24	4.2	4.2	NUM
easat-7592	200	25	.	.	PUNCT
easat-7592	201	1	correlation	correlation	NOUN
easat-7592	201	2	analysis	analysis	NOUN
easat-7592	201	3	table	table	NOUN
easat-7592	201	4	5	5	NUM
easat-7592	201	5	.	.	PUNCT
easat-7592	201	6	variance	variance	NOUN
easat-7592	201	7	inflation	inflation	NOUN
easat-7592	201	8	factor	factor	NOUN
easat-7592	201	9	(	(	PUNCT
easat-7592	201	10	vif	vif	PROPN
easat-7592	201	11	)	)	PUNCT
easat-7592	201	12	.	.	PUNCT
easat-7592	202	1	variable	variable	ADJ
easat-7592	202	2	vif	vif	NOUN
easat-7592	202	3	1	1	NUM
easat-7592	202	4	/	/	SYM
easat-7592	202	5	vif	vif	NOUN
easat-7592	202	6	use	use	VERB
easat-7592	202	7	1.39	1.39	NUM
easat-7592	202	8	0.717975	0.717975	NUM
easat-7592	202	9	edu	edu	PROPN
easat-7592	202	10	1.25	1.25	NUM
easat-7592	202	11	0.798454	0.798454	NUM
easat-7592	202	12	age	age	NOUN
easat-7592	202	13	1.20	1.20	NUM
easat-7592	202	14	0.833883	0.833883	NUM
easat-7592	202	15	gen	gen	PROPN
easat-7592	202	16	1.08	1.08	NUM
easat-7592	202	17	0.925629	0.925629	NUM
easat-7592	202	18	inc	inc	PROPN
easat-7592	202	19	1.02	1.02	NUM
easat-7592	202	20	0.982756	0.982756	NUM
easat-7592	202	21	mar	mar	PROPN
easat-7592	202	22	1.03	1.03	NUM
easat-7592	202	23	0.968377	0.968377	NUM
easat-7592	202	24	mean	mean	NOUN
easat-7592	202	25	1.16	1.16	NUM
easat-7592	202	26	4.3	4.3	NUM
easat-7592	202	27	.	.	PUNCT
easat-7592	203	1	multicollinearity	multicollinearity	NOUN
easat-7592	203	2	test	test	NOUN
easat-7592	203	3	multicollinearity	multicollinearity	NOUN
easat-7592	203	4	was	be	AUX
easat-7592	203	5	tested	test	VERB
easat-7592	203	6	using	use	VERB
easat-7592	203	7	the	the	DET
easat-7592	203	8	variance	variance	NOUN
easat-7592	203	9	inflation	inflation	NOUN
easat-7592	203	10	factor	factor	NOUN
easat-7592	203	11	(	(	PUNCT
easat-7592	203	12	vif	vif	PROPN
easat-7592	203	13	)	)	PUNCT
easat-7592	203	14	.	.	PUNCT
easat-7592	204	1	all	all	DET
easat-7592	204	2	vif	vif	PROPN
easat-7592	204	3	values	value	NOUN
easat-7592	204	4	are	be	AUX
easat-7592	204	5	below	below	ADP
easat-7592	204	6	10	10	NUM
easat-7592	204	7	,	,	PUNCT
easat-7592	204	8	with	with	ADP
easat-7592	204	9	an	an	DET
easat-7592	204	10	average	average	ADJ
easat-7592	204	11	value	value	NOUN
easat-7592	204	12	of	of	ADP
easat-7592	204	13	1.16	1.16	NUM
easat-7592	204	14	.	.	PUNCT
easat-7592	205	1	this	this	PRON
easat-7592	205	2	indicates	indicate	VERB
easat-7592	205	3	a	a	DET
easat-7592	205	4	low	low	ADJ
easat-7592	205	5	level	level	NOUN
easat-7592	205	6	of	of	ADP
easat-7592	205	7	multicollinearity	multicollinearity	NOUN
easat-7592	205	8	in	in	ADP
easat-7592	205	9	the	the	DET
easat-7592	205	10	model	model	NOUN
easat-7592	205	11	,	,	PUNCT
easat-7592	205	12	suggesting	suggest	VERB
easat-7592	205	13	that	that	SCONJ
easat-7592	205	14	multicollinearity	multicollinearity	NOUN
easat-7592	205	15	does	do	AUX
easat-7592	205	16	not	not	PART
easat-7592	205	17	significantly	significantly	ADV
easat-7592	205	18	affect	affect	VERB
easat-7592	205	19	the	the	DET
easat-7592	205	20	estimation	estimation	NOUN
easat-7592	205	21	results	result	NOUN
easat-7592	205	22	.	.	PUNCT
easat-7592	206	1	4.4	4.4	NUM
easat-7592	206	2	.	.	PUNCT
easat-7592	206	3	discussion	discussion	NOUN
easat-7592	206	4	of	of	ADP
easat-7592	206	5	study	study	NOUN
easat-7592	206	6	results	result	NOUN
easat-7592	206	7	study	study	VERB
easat-7592	206	8	on	on	ADP
easat-7592	206	9	appropriate	appropriate	ADJ
easat-7592	206	10	model	model	NOUN
easat-7592	206	11	selection	selection	NOUN
easat-7592	206	12	among	among	ADP
easat-7592	206	13	ordinary	ordinary	ADJ
easat-7592	206	14	least	least	ADV
easat-7592	206	15	squared	square	VERB
easat-7592	206	16	(	(	PUNCT
easat-7592	206	17	ols	ol	NOUN
easat-7592	206	18	)	)	PUNCT
easat-7592	206	19	models	model	NOUN
easat-7592	206	20	.	.	PUNCT
easat-7592	207	1	the	the	DET
easat-7592	207	2	study	study	NOUN
easat-7592	207	3	conducted	conduct	VERB
easat-7592	207	4	a	a	DET
easat-7592	207	5	regression	regression	NOUN
easat-7592	207	6	on	on	ADP
easat-7592	207	7	the	the	DET
easat-7592	207	8	impact	impact	NOUN
easat-7592	207	9	of	of	ADP
easat-7592	207	10	each	each	DET
easat-7592	207	11	factor	factor	NOUN
easat-7592	207	12	on	on	ADP
easat-7592	207	13	the	the	DET
easat-7592	207	14	component	component	NOUN
easat-7592	207	15	indexes	index	NOUN
easat-7592	207	16	of	of	ADP
easat-7592	207	17	credit	credit	NOUN
easat-7592	207	18	institutions	institution	NOUN
easat-7592	207	19	specifically	specifically	ADV
easat-7592	207	20	in	in	ADP
easat-7592	207	21	table	table	NOUN
easat-7592	207	22	6	6	NUM
easat-7592	207	23	as	as	SCONJ
easat-7592	207	24	follows	follow	VERB
easat-7592	207	25	:	:	PUNCT
easat-7592	207	26	2811	2811	NUM
easat-7592	207	27	edelweiss	edelweiss	PROPN
easat-7592	207	28	applied	apply	VERB
easat-7592	207	29	science	science	NOUN
easat-7592	207	30	and	and	CCONJ
easat-7592	207	31	technology	technology	NOUN
easat-7592	207	32	issn	issn	PROPN
easat-7592	207	33	:	:	PUNCT
easat-7592	207	34	2576	2576	NUM
easat-7592	207	35	-	-	SYM
easat-7592	207	36	8484	8484	NUM
easat-7592	207	37	vol	vol	NOUN
easat-7592	207	38	.	.	PROPN
easat-7592	208	1	9	9	NUM
easat-7592	208	2	,	,	PUNCT
easat-7592	208	3	no	no	INTJ
easat-7592	208	4	.	.	NOUN
easat-7592	208	5	5	5	NUM
easat-7592	208	6	:	:	SYM
easat-7592	208	7	2801	2801	NUM
easat-7592	208	8	-	-	SYM
easat-7592	208	9	2815	2815	NUM
easat-7592	208	10	,	,	PUNCT
easat-7592	208	11	2025	2025	NUM
easat-7592	208	12	doi	doi	NOUN
easat-7592	208	13	:	:	PUNCT
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easat-7592	235	2	*	*	PUNCT
easat-7592	235	3	(	(	PUNCT
easat-7592	235	4	0,03212	0,03212	NOUN
easat-7592	235	5	)	)	PUNCT
easat-7592	235	6	-0,85953	-0,85953	PROPN
easat-7592	235	7	*	*	PUNCT
easat-7592	235	8	*	*	PUNCT
easat-7592	235	9	*	*	PUNCT
easat-7592	235	10	(	(	PUNCT
easat-7592	235	11	0,1453	0,1453	ADJ
easat-7592	235	12	)	)	PUNCT
easat-7592	235	13	n	n	PRON
easat-7592	235	14	9396	9396	NUM
easat-7592	235	15	9396	9396	NUM
easat-7592	235	16	9396	9396	NUM
easat-7592	235	17	9396	9396	NUM
easat-7592	235	18	9396	9396	NUM
easat-7592	235	19	9396	9396	NUM
easat-7592	235	20	9396	9396	NUM
easat-7592	235	21	prob	prob	NOUN
easat-7592	235	22	>	>	X
easat-7592	235	23	f	f	PROPN
easat-7592	235	24	0,0000	0,0000	NUM
easat-7592	235	25	0,0000	0,0000	NUM
easat-7592	235	26	0,0000	0,0000	NOUN
easat-7592	235	27	0,0000	0,0000	NUM
easat-7592	235	28	0,0000	0,0000	NUM
easat-7592	235	29	0,0000	0,0000	NOUN
easat-7592	235	30	0,0000	0,0000	NUM
easat-7592	236	1	note	note	NOUN
easat-7592	236	2	:	:	PUNCT
easat-7592	236	3	the	the	DET
easat-7592	236	4	number	number	NOUN
easat-7592	236	5	in	in	ADP
easat-7592	236	6	parentheses	parenthesis	NOUN
easat-7592	236	7	represents	represent	VERB
easat-7592	236	8	the	the	DET
easat-7592	236	9	standard	standard	ADJ
easat-7592	236	10	error	error	NOUN
easat-7592	236	11	of	of	ADP
easat-7592	236	12	the	the	DET
easat-7592	236	13	regression	regression	NOUN
easat-7592	236	14	coefficient	coefficient	NOUN
easat-7592	236	15	.	.	PUNCT
easat-7592	237	1	the	the	DET
easat-7592	237	2	symbols	symbol	NOUN
easat-7592	237	3	*	*	PUNCT
easat-7592	237	4	*	*	PUNCT
easat-7592	237	5	*	*	PUNCT
easat-7592	237	6	,	,	PUNCT
easat-7592	237	7	*	*	PUNCT
easat-7592	237	8	*	*	PUNCT
easat-7592	237	9	,	,	PUNCT
easat-7592	237	10	*	*	PUNCT
easat-7592	237	11	represent	represent	VERB
easat-7592	237	12	the	the	DET
easat-7592	237	13	1	1	NUM
easat-7592	237	14	%	%	NOUN
easat-7592	237	15	,	,	PUNCT
easat-7592	237	16	5	5	NUM
easat-7592	237	17	%	%	NOUN
easat-7592	237	18	and	and	CCONJ
easat-7592	237	19	10	10	NUM
easat-7592	237	20	%	%	NOUN
easat-7592	237	21	significance	significance	NOUN
easat-7592	237	22	levels	level	NOUN
easat-7592	237	23	.	.	PUNCT
easat-7592	238	1	2812	2812	NUM
easat-7592	238	2	edelweiss	edelweiss	PROPN
easat-7592	238	3	applied	apply	VERB
easat-7592	238	4	science	science	NOUN
easat-7592	238	5	and	and	CCONJ
easat-7592	238	6	technology	technology	NOUN
easat-7592	238	7	issn	issn	PROPN
easat-7592	238	8	:	:	PUNCT
easat-7592	238	9	2576	2576	NUM
easat-7592	238	10	-	-	SYM
easat-7592	238	11	8484	8484	NUM
easat-7592	238	12	vol	vol	NOUN
easat-7592	238	13	.	.	PROPN
easat-7592	239	1	9	9	NUM
easat-7592	239	2	,	,	PUNCT
easat-7592	239	3	no	no	INTJ
easat-7592	239	4	.	.	NOUN
easat-7592	239	5	5	5	NUM
easat-7592	239	6	:	:	SYM
easat-7592	239	7	2801	2801	NUM
easat-7592	239	8	-	-	SYM
easat-7592	239	9	2815	2815	NUM
easat-7592	239	10	,	,	PUNCT
easat-7592	239	11	2025	2025	NUM
easat-7592	239	12	doi	doi	NOUN
easat-7592	239	13	:	:	PUNCT
easat-7592	239	14	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	239	15	©	©	PROPN
easat-7592	239	16	2025	2025	NUM
easat-7592	239	17	by	by	ADP
easat-7592	239	18	the	the	DET
easat-7592	239	19	author	author	NOUN
easat-7592	239	20	;	;	PUNCT
easat-7592	239	21	licensee	licensee	PROPN
easat-7592	239	22	learning	learning	NOUN
easat-7592	239	23	gate	gate	VERB
easat-7592	239	24	the	the	DET
easat-7592	239	25	study	study	NOUN
easat-7592	239	26	results	result	NOUN
easat-7592	239	27	show	show	VERB
easat-7592	239	28	that	that	SCONJ
easat-7592	239	29	:	:	PUNCT
easat-7592	239	30	gender	gender	NOUN
easat-7592	239	31	(	(	PUNCT
easat-7592	239	32	gen	gen	PROPN
easat-7592	239	33	)	)	PUNCT
easat-7592	239	34	has	have	VERB
easat-7592	239	35	a	a	DET
easat-7592	239	36	negative	negative	ADJ
easat-7592	239	37	impact	impact	NOUN
easat-7592	239	38	on	on	ADP
easat-7592	239	39	owning	own	VERB
easat-7592	239	40	accounts	account	NOUN
easat-7592	239	41	,	,	PUNCT
easat-7592	239	42	using	use	VERB
easat-7592	239	43	savings	saving	NOUN
easat-7592	239	44	services	service	NOUN
easat-7592	239	45	,	,	PUNCT
easat-7592	239	46	using	use	VERB
easat-7592	239	47	atm	atm	NOUN
easat-7592	239	48	cards	card	NOUN
easat-7592	239	49	,	,	PUNCT
easat-7592	239	50	using	use	VERB
easat-7592	239	51	credit	credit	NOUN
easat-7592	239	52	cards	card	NOUN
easat-7592	239	53	,	,	PUNCT
easat-7592	239	54	using	use	VERB
easat-7592	239	55	insurance	insurance	NOUN
easat-7592	239	56	and	and	CCONJ
easat-7592	239	57	investment	investment	NOUN
easat-7592	239	58	services	service	NOUN
easat-7592	239	59	.	.	PUNCT
easat-7592	240	1	interestingly	interestingly	ADV
easat-7592	240	2	,	,	PUNCT
easat-7592	240	3	gender	gender	NOUN
easat-7592	240	4	only	only	ADV
easat-7592	240	5	has	have	VERB
easat-7592	240	6	a	a	DET
easat-7592	240	7	positive	positive	ADJ
easat-7592	240	8	impact	impact	NOUN
easat-7592	240	9	on	on	ADP
easat-7592	240	10	the	the	DET
easat-7592	240	11	use	use	NOUN
easat-7592	240	12	of	of	ADP
easat-7592	240	13	loan	loan	NOUN
easat-7592	240	14	services	service	NOUN
easat-7592	240	15	.	.	PUNCT
easat-7592	241	1	thus	thus	ADV
easat-7592	241	2	,	,	PUNCT
easat-7592	241	3	women	woman	NOUN
easat-7592	241	4	tend	tend	VERB
easat-7592	241	5	to	to	PART
easat-7592	241	6	use	use	VERB
easat-7592	241	7	banking	banking	NOUN
easat-7592	241	8	and	and	CCONJ
easat-7592	241	9	financial	financial	ADJ
easat-7592	241	10	services	service	NOUN
easat-7592	241	11	more	more	ADJ
easat-7592	241	12	than	than	ADP
easat-7592	241	13	men	man	NOUN
easat-7592	241	14	.	.	PUNCT
easat-7592	242	1	however	however	ADV
easat-7592	242	2	,	,	PUNCT
easat-7592	242	3	for	for	ADP
easat-7592	242	4	loan	loan	NOUN
easat-7592	242	5	services	service	NOUN
easat-7592	242	6	,	,	PUNCT
easat-7592	242	7	the	the	DET
easat-7592	242	8	model	model	NOUN
easat-7592	242	9	shows	show	VERB
easat-7592	242	10	the	the	DET
easat-7592	242	11	opposite	opposite	ADJ
easat-7592	242	12	result	result	NOUN
easat-7592	242	13	,	,	PUNCT
easat-7592	242	14	men	man	NOUN
easat-7592	242	15	tend	tend	VERB
easat-7592	242	16	to	to	PART
easat-7592	242	17	use	use	VERB
easat-7592	242	18	loan	loan	NOUN
easat-7592	242	19	services	service	NOUN
easat-7592	242	20	more	more	ADJ
easat-7592	242	21	.	.	PUNCT
easat-7592	243	1	this	this	DET
easat-7592	243	2	result	result	NOUN
easat-7592	243	3	is	be	AUX
easat-7592	243	4	similar	similar	ADJ
easat-7592	243	5	to	to	ADP
easat-7592	243	6	the	the	DET
easat-7592	243	7	study	study	NOUN
easat-7592	243	8	of	of	ADP
easat-7592	243	9	fungáčová	fungáčová	PROPN
easat-7592	243	10	and	and	CCONJ
easat-7592	243	11	weill	weill	NOUN
easat-7592	244	1	[	[	X
easat-7592	244	2	24	24	NUM
easat-7592	244	3	]	]	PUNCT
easat-7592	244	4	but	but	CCONJ
easat-7592	244	5	is	be	AUX
easat-7592	244	6	contrary	contrary	ADJ
easat-7592	244	7	to	to	ADP
easat-7592	244	8	the	the	DET
easat-7592	244	9	study	study	NOUN
easat-7592	244	10	of	of	ADP
easat-7592	244	11	chu	chu	PROPN
easat-7592	244	12	khanh	khanh	PROPN
easat-7592	244	13	and	and	CCONJ
easat-7592	244	14	chu	chu	PROPN
easat-7592	245	1	[	[	X
easat-7592	245	2	18	18	NUM
easat-7592	245	3	]	]	PUNCT
easat-7592	245	4	when	when	SCONJ
easat-7592	245	5	they	they	PRON
easat-7592	245	6	said	say	VERB
easat-7592	245	7	that	that	SCONJ
easat-7592	245	8	men	man	NOUN
easat-7592	245	9	have	have	VERB
easat-7592	245	10	a	a	DET
easat-7592	245	11	higher	high	ADJ
easat-7592	245	12	probability	probability	NOUN
easat-7592	245	13	than	than	ADP
easat-7592	245	14	women	woman	NOUN
easat-7592	245	15	when	when	SCONJ
easat-7592	245	16	own	own	ADJ
easat-7592	245	17	and	and	CCONJ
easat-7592	245	18	use	use	VERB
easat-7592	245	19	banking	banking	NOUN
easat-7592	245	20	and	and	CCONJ
easat-7592	245	21	financial	financial	ADJ
easat-7592	245	22	services	service	NOUN
easat-7592	245	23	.	.	PUNCT
easat-7592	246	1	this	this	PRON
easat-7592	246	2	is	be	AUX
easat-7592	246	3	consistent	consistent	ADJ
easat-7592	246	4	with	with	ADP
easat-7592	246	5	the	the	DET
easat-7592	246	6	personality	personality	NOUN
easat-7592	246	7	characteristics	characteristic	NOUN
easat-7592	246	8	of	of	ADP
easat-7592	246	9	women	woman	NOUN
easat-7592	246	10	in	in	ADP
easat-7592	246	11	vietnam	vietnam	PROPN
easat-7592	246	12	.	.	PUNCT
easat-7592	247	1	in	in	ADP
easat-7592	247	2	fact	fact	NOUN
easat-7592	247	3	,	,	PUNCT
easat-7592	247	4	in	in	ADP
easat-7592	247	5	vietnam	vietnam	PROPN
easat-7592	247	6	,	,	PUNCT
easat-7592	247	7	women	woman	NOUN
easat-7592	247	8	often	often	ADV
easat-7592	247	9	play	play	VERB
easat-7592	247	10	the	the	DET
easat-7592	247	11	role	role	NOUN
easat-7592	247	12	of	of	ADP
easat-7592	247	13	"	"	PUNCT
easat-7592	247	14	financial	financial	ADJ
easat-7592	247	15	manager	manager	NOUN
easat-7592	247	16	"	"	PUNCT
easat-7592	247	17	in	in	ADP
easat-7592	247	18	the	the	DET
easat-7592	247	19	family	family	NOUN
easat-7592	247	20	,	,	PUNCT
easat-7592	247	21	so	so	SCONJ
easat-7592	247	22	women	woman	NOUN
easat-7592	247	23	will	will	AUX
easat-7592	247	24	own	own	VERB
easat-7592	247	25	savings	saving	NOUN
easat-7592	247	26	accounts	account	NOUN
easat-7592	247	27	,	,	PUNCT
easat-7592	247	28	own	own	ADJ
easat-7592	247	29	bank	bank	NOUN
easat-7592	247	30	accounts	account	NOUN
easat-7592	247	31	,	,	PUNCT
easat-7592	247	32	and	and	CCONJ
easat-7592	247	33	use	use	VERB
easat-7592	247	34	financial	financial	ADJ
easat-7592	247	35	services	service	NOUN
easat-7592	247	36	such	such	ADJ
easat-7592	247	37	as	as	ADP
easat-7592	247	38	opening	opening	NOUN
easat-7592	247	39	atm	atm	NOUN
easat-7592	247	40	accounts	account	NOUN
easat-7592	247	41	,	,	PUNCT
easat-7592	247	42	using	use	VERB
easat-7592	247	43	credit	credit	NOUN
easat-7592	247	44	card	card	NOUN
easat-7592	247	45	services	service	NOUN
easat-7592	247	46	or	or	CCONJ
easat-7592	247	47	non	non	ADJ
easat-7592	247	48	-	-	ADJ
easat-7592	247	49	financial	financial	ADJ
easat-7592	247	50	services	service	NOUN
easat-7592	247	51	such	such	ADJ
easat-7592	247	52	as	as	ADP
easat-7592	247	53	insurance	insurance	NOUN
easat-7592	247	54	and	and	CCONJ
easat-7592	247	55	stock	stock	NOUN
easat-7592	247	56	investment	investment	NOUN
easat-7592	247	57	.	.	PUNCT
easat-7592	248	1	on	on	ADP
easat-7592	248	2	the	the	DET
easat-7592	248	3	contrary	contrary	NOUN
easat-7592	248	4	,	,	PUNCT
easat-7592	248	5	with	with	ADP
easat-7592	248	6	loan	loan	NOUN
easat-7592	248	7	activities	activity	NOUN
easat-7592	248	8	,	,	PUNCT
easat-7592	248	9	the	the	DET
easat-7592	248	10	model	model	NOUN
easat-7592	248	11	also	also	ADV
easat-7592	248	12	shows	show	VERB
easat-7592	248	13	a	a	DET
easat-7592	248	14	very	very	ADV
easat-7592	248	15	interesting	interesting	ADJ
easat-7592	248	16	point	point	NOUN
easat-7592	248	17	when	when	SCONJ
easat-7592	248	18	we	we	PRON
easat-7592	248	19	see	see	VERB
easat-7592	248	20	that	that	SCONJ
easat-7592	248	21	men	man	NOUN
easat-7592	248	22	have	have	VERB
easat-7592	248	23	a	a	DET
easat-7592	248	24	positive	positive	ADJ
easat-7592	248	25	impact	impact	NOUN
easat-7592	248	26	on	on	ADP
easat-7592	248	27	loan	loan	NOUN
easat-7592	248	28	activities	activity	NOUN
easat-7592	248	29	.	.	PUNCT
easat-7592	249	1	this	this	PRON
easat-7592	249	2	is	be	AUX
easat-7592	249	3	also	also	ADV
easat-7592	249	4	completely	completely	ADV
easat-7592	249	5	consistent	consistent	ADJ
easat-7592	249	6	with	with	ADP
easat-7592	249	7	the	the	DET
easat-7592	249	8	regulations	regulation	NOUN
easat-7592	249	9	in	in	ADP
easat-7592	249	10	loan	loan	NOUN
easat-7592	249	11	activities	activity	NOUN
easat-7592	249	12	of	of	ADP
easat-7592	249	13	the	the	DET
easat-7592	249	14	state	state	NOUN
easat-7592	249	15	bank	bank	PROPN
easat-7592	249	16	of	of	ADP
easat-7592	249	17	vietnam	vietnam	PROPN
easat-7592	249	18	(	(	PUNCT
easat-7592	249	19	for	for	ADP
easat-7592	249	20	household	household	NOUN
easat-7592	249	21	loans	loan	NOUN
easat-7592	249	22	,	,	PUNCT
easat-7592	249	23	the	the	DET
easat-7592	249	24	head	head	NOUN
easat-7592	249	25	of	of	ADP
easat-7592	249	26	the	the	DET
easat-7592	249	27	family	family	NOUN
easat-7592	249	28	,	,	PUNCT
easat-7592	249	29	usually	usually	ADV
easat-7592	249	30	a	a	DET
easat-7592	249	31	male	male	NOUN
easat-7592	249	32	,	,	PUNCT
easat-7592	249	33	will	will	AUX
easat-7592	249	34	represent	represent	VERB
easat-7592	249	35	the	the	DET
easat-7592	249	36	legal	legal	ADJ
easat-7592	249	37	entity	entity	NOUN
easat-7592	249	38	to	to	PART
easat-7592	249	39	carry	carry	VERB
easat-7592	249	40	out	out	ADP
easat-7592	249	41	the	the	DET
easat-7592	249	42	loan	loan	NOUN
easat-7592	249	43	amount	amount	NOUN
easat-7592	249	44	)	)	PUNCT
easat-7592	249	45	.	.	PUNCT
easat-7592	250	1	the	the	DET
easat-7592	250	2	impact	impact	NOUN
easat-7592	250	3	of	of	ADP
easat-7592	250	4	the	the	DET
easat-7592	250	5	variables	variable	NOUN
easat-7592	250	6	age	age	NOUN
easat-7592	250	7	and	and	CCONJ
easat-7592	250	8	age	age	NOUN
easat-7592	250	9	squared	square	VERB
easat-7592	250	10	(	(	PUNCT
easat-7592	250	11	age	age	NOUN
easat-7592	250	12	and	and	CCONJ
easat-7592	250	13	age2	age2	PROPN
easat-7592	250	14	)	)	PUNCT
easat-7592	250	15	have	have	VERB
easat-7592	250	16	positive	positive	ADJ
easat-7592	250	17	and	and	CCONJ
easat-7592	250	18	negative	negative	ADJ
easat-7592	250	19	signs	sign	NOUN
easat-7592	250	20	,	,	PUNCT
easat-7592	250	21	respectively	respectively	ADV
easat-7592	250	22	(	(	PUNCT
easat-7592	250	23	with	with	ADP
easat-7592	250	24	a	a	DET
easat-7592	250	25	significance	significance	NOUN
easat-7592	250	26	level	level	NOUN
easat-7592	250	27	of	of	ADP
easat-7592	250	28	1	1	NUM
easat-7592	250	29	%	%	NOUN
easat-7592	250	30	)	)	PUNCT
easat-7592	250	31	,	,	PUNCT
easat-7592	250	32	meaning	mean	VERB
easat-7592	250	33	that	that	SCONJ
easat-7592	250	34	there	there	PRON
easat-7592	250	35	is	be	VERB
easat-7592	250	36	a	a	DET
easat-7592	250	37	nonlinear	nonlinear	ADJ
easat-7592	250	38	relationship	relationship	NOUN
easat-7592	250	39	between	between	ADP
easat-7592	250	40	age	age	NOUN
easat-7592	250	41	and	and	CCONJ
easat-7592	250	42	banking	banking	NOUN
easat-7592	250	43	account	account	NOUN
easat-7592	250	44	ownership	ownership	NOUN
easat-7592	250	45	as	as	ADV
easat-7592	250	46	well	well	ADV
easat-7592	250	47	as	as	ADP
easat-7592	250	48	using	use	VERB
easat-7592	250	49	banking	banking	NOUN
easat-7592	250	50	and	and	CCONJ
easat-7592	250	51	financial	financial	ADJ
easat-7592	250	52	services	service	NOUN
easat-7592	250	53	.	.	PUNCT
easat-7592	251	1	older	old	ADJ
easat-7592	251	2	age	age	NOUN
easat-7592	251	3	means	mean	VERB
easat-7592	251	4	higher	high	ADJ
easat-7592	251	5	ability	ability	NOUN
easat-7592	251	6	to	to	PART
easat-7592	251	7	access	access	VERB
easat-7592	251	8	and	and	CCONJ
easat-7592	251	9	use	use	VERB
easat-7592	251	10	financial	financial	ADJ
easat-7592	251	11	services	service	NOUN
easat-7592	251	12	,	,	PUNCT
easat-7592	251	13	but	but	CCONJ
easat-7592	251	14	at	at	ADP
easat-7592	251	15	a	a	DET
easat-7592	251	16	certain	certain	ADJ
easat-7592	251	17	age	age	NOUN
easat-7592	251	18	,	,	PUNCT
easat-7592	251	19	older	old	ADJ
easat-7592	251	20	age	age	NOUN
easat-7592	251	21	limits	limit	VERB
easat-7592	251	22	access	access	NOUN
easat-7592	251	23	and	and	CCONJ
easat-7592	251	24	use	use	NOUN
easat-7592	251	25	of	of	ADP
easat-7592	251	26	financial	financial	ADJ
easat-7592	251	27	services	service	NOUN
easat-7592	251	28	.	.	PUNCT
easat-7592	252	1	older	old	ADJ
easat-7592	252	2	people	people	NOUN
easat-7592	252	3	tend	tend	VERB
easat-7592	252	4	to	to	PART
easat-7592	252	5	use	use	VERB
easat-7592	252	6	financial	financial	ADJ
easat-7592	252	7	services	service	NOUN
easat-7592	252	8	less	less	ADJ
easat-7592	252	9	,	,	PUNCT
easat-7592	252	10	including	include	VERB
easat-7592	252	11	opening	opening	NOUN
easat-7592	252	12	accounts	account	NOUN
easat-7592	252	13	,	,	PUNCT
easat-7592	252	14	savings	saving	NOUN
easat-7592	252	15	,	,	PUNCT
easat-7592	252	16	using	use	VERB
easat-7592	252	17	atm	atm	NOUN
easat-7592	252	18	cards	card	NOUN
easat-7592	252	19	,	,	PUNCT
easat-7592	252	20	credit	credit	NOUN
easat-7592	252	21	cards	card	NOUN
easat-7592	252	22	and	and	CCONJ
easat-7592	252	23	loans	loan	NOUN
easat-7592	252	24	.	.	PUNCT
easat-7592	253	1	this	this	DET
easat-7592	253	2	result	result	NOUN
easat-7592	253	3	is	be	AUX
easat-7592	253	4	similar	similar	ADJ
easat-7592	253	5	to	to	ADP
easat-7592	253	6	the	the	DET
easat-7592	253	7	studies	study	NOUN
easat-7592	253	8	of	of	ADP
easat-7592	253	9	allen	allen	PROPN
easat-7592	253	10	,	,	PUNCT
easat-7592	253	11	et	et	PROPN
easat-7592	253	12	al	al	PROPN
easat-7592	253	13	.	.	PUNCT
easat-7592	254	1	[	[	X
easat-7592	254	2	10	10	NUM
easat-7592	254	3	]	]	PUNCT
easat-7592	254	4	and	and	CCONJ
easat-7592	254	5	fungáčová	fungáčová	ADJ
easat-7592	254	6	and	and	CCONJ
easat-7592	254	7	weill	weill	PROPN
easat-7592	254	8	[	[	X
easat-7592	254	9	24	24	NUM
easat-7592	254	10	]	]	PUNCT
easat-7592	254	11	.	.	PUNCT
easat-7592	255	1	marital	marital	ADJ
easat-7592	255	2	status	status	NOUN
easat-7592	255	3	(	(	PUNCT
easat-7592	255	4	mar	mar	PROPN
easat-7592	255	5	)	)	PUNCT
easat-7592	255	6	has	have	VERB
easat-7592	255	7	a	a	DET
easat-7592	255	8	positive	positive	ADJ
easat-7592	255	9	and	and	CCONJ
easat-7592	255	10	statistically	statistically	ADV
easat-7592	255	11	significant	significant	ADJ
easat-7592	255	12	impact	impact	NOUN
easat-7592	255	13	on	on	ADP
easat-7592	255	14	access	access	NOUN
easat-7592	255	15	to	to	ADP
easat-7592	255	16	financial	financial	ADJ
easat-7592	255	17	inclusion	inclusion	NOUN
easat-7592	255	18	,	,	PUNCT
easat-7592	255	19	which	which	PRON
easat-7592	255	20	means	mean	VERB
easat-7592	255	21	that	that	SCONJ
easat-7592	255	22	married	married	ADJ
easat-7592	255	23	people	people	NOUN
easat-7592	255	24	have	have	VERB
easat-7592	255	25	a	a	DET
easat-7592	255	26	higher	high	ADJ
easat-7592	255	27	need	need	NOUN
easat-7592	255	28	to	to	PART
easat-7592	255	29	access	access	VERB
easat-7592	255	30	the	the	DET
easat-7592	255	31	financial	financial	ADJ
easat-7592	255	32	inclusion	inclusion	NOUN
easat-7592	255	33	.	.	PUNCT
easat-7592	256	1	this	this	DET
easat-7592	256	2	result	result	NOUN
easat-7592	256	3	also	also	ADV
easat-7592	256	4	coincides	coincide	VERB
easat-7592	256	5	with	with	ADP
easat-7592	256	6	the	the	DET
easat-7592	256	7	study	study	NOUN
easat-7592	256	8	of	of	ADP
easat-7592	256	9	pena	pena	PROPN
easat-7592	256	10	,	,	PUNCT
easat-7592	256	11	et	et	PROPN
easat-7592	256	12	al	al	PROPN
easat-7592	256	13	.	.	PUNCT
easat-7592	257	1	[	[	X
easat-7592	257	2	1	1	NUM
easat-7592	257	3	]	]	PUNCT
easat-7592	257	4	.	.	PUNCT
easat-7592	258	1	education	education	NOUN
easat-7592	258	2	(	(	PUNCT
easat-7592	258	3	edu	edu	PROPN
easat-7592	258	4	)	)	PUNCT
easat-7592	258	5	has	have	VERB
easat-7592	258	6	a	a	DET
easat-7592	258	7	positive	positive	ADJ
easat-7592	258	8	and	and	CCONJ
easat-7592	258	9	statistically	statistically	ADV
easat-7592	258	10	significant	significant	ADJ
easat-7592	258	11	effect	effect	NOUN
easat-7592	258	12	.	.	PUNCT
easat-7592	259	1	this	this	PRON
easat-7592	259	2	means	mean	VERB
easat-7592	259	3	that	that	SCONJ
easat-7592	259	4	the	the	PRON
easat-7592	259	5	higher	high	ADJ
easat-7592	259	6	an	an	DET
easat-7592	259	7	individual	individual	NOUN
easat-7592	259	8	's	's	PART
easat-7592	259	9	education	education	NOUN
easat-7592	259	10	,	,	PUNCT
easat-7592	259	11	the	the	PRON
easat-7592	259	12	more	more	ADV
easat-7592	259	13	likely	likely	ADJ
easat-7592	259	14	they	they	PRON
easat-7592	259	15	are	be	AUX
easat-7592	259	16	to	to	PART
easat-7592	259	17	access	access	VERB
easat-7592	259	18	the	the	DET
easat-7592	259	19	financial	financial	ADJ
easat-7592	259	20	inclusion	inclusion	NOUN
easat-7592	259	21	.	.	PUNCT
easat-7592	260	1	the	the	PRON
easat-7592	260	2	higher	high	ADJ
easat-7592	260	3	the	the	DET
easat-7592	260	4	level	level	NOUN
easat-7592	260	5	of	of	ADP
easat-7592	260	6	education	education	NOUN
easat-7592	260	7	,	,	PUNCT
easat-7592	260	8	the	the	DET
easat-7592	260	9	more	more	ADJ
easat-7592	260	10	knowledge	knowledge	NOUN
easat-7592	260	11	and	and	CCONJ
easat-7592	260	12	ability	ability	NOUN
easat-7592	260	13	to	to	PART
easat-7592	260	14	save	save	VERB
easat-7592	260	15	than	than	ADP
easat-7592	260	16	people	people	NOUN
easat-7592	260	17	with	with	ADP
easat-7592	260	18	low	low	ADJ
easat-7592	260	19	levels	level	NOUN
easat-7592	260	20	of	of	ADP
easat-7592	260	21	education	education	NOUN
easat-7592	260	22	.	.	PUNCT
easat-7592	261	1	this	this	DET
easat-7592	261	2	result	result	NOUN
easat-7592	261	3	is	be	AUX
easat-7592	261	4	similar	similar	ADJ
easat-7592	261	5	to	to	ADP
easat-7592	261	6	the	the	DET
easat-7592	261	7	results	result	NOUN
easat-7592	261	8	of	of	ADP
easat-7592	261	9	the	the	DET
easat-7592	261	10	study	study	NOUN
easat-7592	261	11	of	of	ADP
easat-7592	261	12	clamara	clamara	PROPN
easat-7592	261	13	,	,	PUNCT
easat-7592	261	14	et	et	PROPN
easat-7592	261	15	al	al	PROPN
easat-7592	261	16	.	.	PUNCT
easat-7592	262	1	[	[	X
easat-7592	262	2	3	3	X
easat-7592	262	3	]	]	PUNCT
easat-7592	262	4	showed	show	VERB
easat-7592	262	5	that	that	SCONJ
easat-7592	262	6	people	people	NOUN
easat-7592	262	7	with	with	ADP
easat-7592	262	8	lower	low	ADJ
easat-7592	262	9	qualifications	qualification	NOUN
easat-7592	262	10	lack	lack	VERB
easat-7592	262	11	the	the	DET
easat-7592	262	12	confidence	confidence	NOUN
easat-7592	262	13	and	and	CCONJ
easat-7592	262	14	skills	skill	NOUN
easat-7592	262	15	necessary	necessary	ADJ
easat-7592	262	16	to	to	PART
easat-7592	262	17	use	use	VERB
easat-7592	262	18	financial	financial	ADJ
easat-7592	262	19	services	service	NOUN
easat-7592	262	20	and	and	CCONJ
easat-7592	262	21	products	product	NOUN
easat-7592	262	22	.	.	PUNCT
easat-7592	263	1	however	however	ADV
easat-7592	263	2	,	,	PUNCT
easat-7592	263	3	there	there	PRON
easat-7592	263	4	is	be	VERB
easat-7592	263	5	a	a	DET
easat-7592	263	6	surprising	surprising	ADJ
easat-7592	263	7	thing	thing	NOUN
easat-7592	263	8	specific	specific	ADJ
easat-7592	263	9	to	to	ADP
easat-7592	263	10	loan	loan	NOUN
easat-7592	263	11	services	service	NOUN
easat-7592	263	12	:	:	PUNCT
easat-7592	263	13	the	the	DET
easat-7592	263	14	relationship	relationship	NOUN
easat-7592	263	15	between	between	ADP
easat-7592	263	16	education	education	NOUN
easat-7592	263	17	and	and	CCONJ
easat-7592	263	18	the	the	DET
easat-7592	263	19	use	use	NOUN
easat-7592	263	20	of	of	ADP
easat-7592	263	21	loan	loan	NOUN
easat-7592	263	22	services	service	NOUN
easat-7592	263	23	is	be	AUX
easat-7592	263	24	inversely	inversely	ADV
easat-7592	263	25	proportional	proportional	ADJ
easat-7592	263	26	.	.	PUNCT
easat-7592	264	1	this	this	DET
easat-7592	264	2	result	result	NOUN
easat-7592	264	3	does	do	AUX
easat-7592	264	4	not	not	PART
easat-7592	264	5	support	support	VERB
easat-7592	264	6	the	the	DET
easat-7592	264	7	view	view	NOUN
easat-7592	264	8	that	that	SCONJ
easat-7592	264	9	the	the	PRON
easat-7592	264	10	higher	high	ADJ
easat-7592	264	11	the	the	DET
easat-7592	264	12	education	education	NOUN
easat-7592	264	13	level	level	NOUN
easat-7592	264	14	,	,	PUNCT
easat-7592	264	15	the	the	DET
easat-7592	264	16	more	more	ADJ
easat-7592	264	17	loan	loan	NOUN
easat-7592	264	18	activities	activity	NOUN
easat-7592	264	19	are	be	AUX
easat-7592	264	20	used	use	VERB
easat-7592	264	21	.	.	PUNCT
easat-7592	265	1	like	like	ADP
easat-7592	265	2	education	education	NOUN
easat-7592	265	3	,	,	PUNCT
easat-7592	265	4	income	income	NOUN
easat-7592	265	5	(	(	PUNCT
easat-7592	265	6	inc	inc	NOUN
easat-7592	265	7	)	)	PUNCT
easat-7592	265	8	has	have	VERB
easat-7592	265	9	a	a	DET
easat-7592	265	10	positive	positive	ADJ
easat-7592	265	11	and	and	CCONJ
easat-7592	265	12	statistically	statistically	ADV
easat-7592	265	13	significant	significant	ADJ
easat-7592	265	14	impact	impact	NOUN
easat-7592	265	15	on	on	ADP
easat-7592	265	16	the	the	DET
easat-7592	265	17	components	component	NOUN
easat-7592	265	18	of	of	ADP
easat-7592	265	19	financial	financial	ADJ
easat-7592	265	20	inclusion	inclusion	NOUN
easat-7592	265	21	and	and	CCONJ
easat-7592	265	22	aggregate	aggregate	VERB
easat-7592	265	23	financial	financial	ADJ
easat-7592	265	24	inclusion	inclusion	NOUN
easat-7592	265	25	.	.	PUNCT
easat-7592	266	1	this	this	PRON
easat-7592	266	2	means	mean	VERB
easat-7592	266	3	that	that	SCONJ
easat-7592	266	4	the	the	PRON
easat-7592	266	5	higher	high	ADJ
easat-7592	266	6	the	the	DET
easat-7592	266	7	income	income	NOUN
easat-7592	266	8	is	be	AUX
easat-7592	266	9	,	,	PUNCT
easat-7592	266	10	the	the	DET
easat-7592	266	11	more	more	ADV
easat-7592	266	12	likely	likely	ADJ
easat-7592	266	13	people	people	NOUN
easat-7592	266	14	are	be	AUX
easat-7592	266	15	to	to	PART
easat-7592	266	16	own	own	VERB
easat-7592	266	17	and	and	CCONJ
easat-7592	266	18	use	use	VERB
easat-7592	266	19	banking	banking	NOUN
easat-7592	266	20	and	and	CCONJ
easat-7592	266	21	financial	financial	ADJ
easat-7592	266	22	services	service	NOUN
easat-7592	266	23	.	.	PUNCT
easat-7592	267	1	this	this	DET
easat-7592	267	2	result	result	NOUN
easat-7592	267	3	is	be	AUX
easat-7592	267	4	also	also	ADV
easat-7592	267	5	similar	similar	ADJ
easat-7592	267	6	to	to	ADP
easat-7592	267	7	the	the	DET
easat-7592	267	8	results	result	NOUN
easat-7592	267	9	of	of	ADP
easat-7592	267	10	previous	previous	ADJ
easat-7592	267	11	studies	study	NOUN
easat-7592	267	12	such	such	ADJ
easat-7592	267	13	as	as	ADP
easat-7592	267	14	djankov	djankov	NOUN
easat-7592	267	15	,	,	PUNCT
easat-7592	267	16	et	et	PROPN
easat-7592	267	17	al	al	PROPN
easat-7592	267	18	.	.	PUNCT
easat-7592	268	1	[	[	X
easat-7592	268	2	26	26	NUM
easat-7592	268	3	]	]	X
easat-7592	268	4	;	;	PUNCT
easat-7592	268	5	beck	beck	PROPN
easat-7592	268	6	,	,	PUNCT
easat-7592	268	7	et	et	PROPN
easat-7592	268	8	al	al	PROPN
easat-7592	268	9	.	.	PUNCT
easat-7592	269	1	[	[	X
easat-7592	269	2	7	7	NUM
easat-7592	269	3	]	]	X
easat-7592	269	4	;	;	PUNCT
easat-7592	269	5	demirgüç	demirgüç	PROPN
easat-7592	269	6	-	-	PUNCT
easat-7592	269	7	kunt	kunt	PROPN
easat-7592	269	8	,	,	PUNCT
easat-7592	269	9	et	et	PROPN
easat-7592	269	10	al	al	PROPN
easat-7592	269	11	.	.	PUNCT
easat-7592	270	1	[	[	X
easat-7592	270	2	4	4	NUM
easat-7592	270	3	]	]	PUNCT
easat-7592	270	4	;	;	PUNCT
easat-7592	270	5	allen	allen	PROPN
easat-7592	270	6	,	,	PUNCT
easat-7592	270	7	et	et	PROPN
easat-7592	270	8	al	al	PROPN
easat-7592	270	9	.	.	PUNCT
easat-7592	271	1	[	[	X
easat-7592	271	2	10	10	NUM
easat-7592	271	3	]	]	PUNCT
easat-7592	271	4	and	and	CCONJ
easat-7592	271	5	fungáčová	fungáčová	ADJ
easat-7592	271	6	and	and	CCONJ
easat-7592	271	7	weill	weill	PROPN
easat-7592	271	8	[	[	X
easat-7592	271	9	24	24	NUM
easat-7592	271	10	]	]	PUNCT
easat-7592	271	11	said	say	VERB
easat-7592	271	12	that	that	SCONJ
easat-7592	271	13	the	the	PRON
easat-7592	271	14	higher	high	ADJ
easat-7592	271	15	the	the	DET
easat-7592	271	16	income	income	NOUN
easat-7592	271	17	is	be	AUX
easat-7592	271	18	,	,	PUNCT
easat-7592	271	19	the	the	PRON
easat-7592	271	20	more	more	ADJ
easat-7592	271	21	people	people	NOUN
easat-7592	271	22	focus	focus	VERB
easat-7592	271	23	on	on	ADP
easat-7592	271	24	finance	finance	NOUN
easat-7592	271	25	and	and	CCONJ
easat-7592	271	26	investment	investment	NOUN
easat-7592	271	27	instead	instead	ADV
easat-7592	271	28	of	of	ADP
easat-7592	271	29	focusing	focus	VERB
easat-7592	271	30	on	on	ADP
easat-7592	271	31	issues	issue	NOUN
easat-7592	271	32	such	such	ADJ
easat-7592	271	33	as	as	ADP
easat-7592	271	34	eating	eat	VERB
easat-7592	271	35	or	or	CCONJ
easat-7592	271	36	food	food	NOUN
easat-7592	271	37	.	.	PUNCT
easat-7592	272	1	according	accord	VERB
easat-7592	272	2	to	to	ADP
easat-7592	272	3	the	the	DET
easat-7592	272	4	results	result	NOUN
easat-7592	272	5	of	of	ADP
easat-7592	272	6	the	the	DET
easat-7592	272	7	internet	internet	NOUN
easat-7592	272	8	access	access	NOUN
easat-7592	272	9	model	model	NOUN
easat-7592	272	10	,	,	PUNCT
easat-7592	272	11	use	use	NOUN
easat-7592	272	12	,	,	PUNCT
easat-7592	272	13	has	have	VERB
easat-7592	272	14	a	a	DET
easat-7592	272	15	positive	positive	ADJ
easat-7592	272	16	relationship	relationship	NOUN
easat-7592	272	17	with	with	ADP
easat-7592	272	18	a	a	DET
easat-7592	272	19	positive	positive	ADJ
easat-7592	272	20	impact	impact	NOUN
easat-7592	272	21	on	on	ADP
easat-7592	272	22	each	each	DET
easat-7592	272	23	financial	financial	ADJ
easat-7592	272	24	inclusion	inclusion	NOUN
easat-7592	272	25	component	component	NOUN
easat-7592	272	26	as	as	ADV
easat-7592	272	27	well	well	ADV
easat-7592	272	28	as	as	ADP
easat-7592	272	29	the	the	DET
easat-7592	272	30	aggregate	aggregate	ADJ
easat-7592	272	31	financial	financial	ADJ
easat-7592	272	32	inclusion	inclusion	NOUN
easat-7592	272	33	index	index	NOUN
easat-7592	272	34	.	.	PUNCT
easat-7592	273	1	people	people	NOUN
easat-7592	273	2	use	use	VERB
easat-7592	273	3	the	the	DET
easat-7592	273	4	internet	internet	NOUN
easat-7592	273	5	regularly	regularly	ADV
easat-7592	273	6	,	,	PUNCT
easat-7592	273	7	their	their	PRON
easat-7592	273	8	demand	demand	NOUN
easat-7592	273	9	for	for	ADP
easat-7592	273	10	financial	financial	ADJ
easat-7592	273	11	services	service	NOUN
easat-7592	273	12	increases	increase	NOUN
easat-7592	273	13	,	,	PUNCT
easat-7592	273	14	their	their	PRON
easat-7592	273	15	access	access	NOUN
easat-7592	273	16	to	to	ADP
easat-7592	273	17	the	the	DET
easat-7592	273	18	financial	financial	ADJ
easat-7592	273	19	inclusion	inclusion	NOUN
easat-7592	273	20	increases	increase	VERB
easat-7592	273	21	significantly	significantly	ADV
easat-7592	273	22	and	and	CCONJ
easat-7592	273	23	will	will	AUX
easat-7592	273	24	bring	bring	VERB
easat-7592	273	25	positive	positive	ADJ
easat-7592	273	26	impacts	impact	NOUN
easat-7592	273	27	to	to	ADP
easat-7592	273	28	the	the	DET
easat-7592	273	29	financial	financial	ADJ
easat-7592	273	30	inclusion	inclusion	NOUN
easat-7592	273	31	.	.	PUNCT
easat-7592	274	1	this	this	PRON
easat-7592	274	2	proves	prove	VERB
easat-7592	274	3	that	that	SCONJ
easat-7592	274	4	internet	internet	NOUN
easat-7592	274	5	connection	connection	NOUN
easat-7592	274	6	has	have	VERB
easat-7592	274	7	a	a	DET
easat-7592	274	8	positive	positive	ADJ
easat-7592	274	9	impact	impact	NOUN
easat-7592	274	10	on	on	ADP
easat-7592	274	11	owning	own	VERB
easat-7592	274	12	and	and	CCONJ
easat-7592	274	13	using	use	VERB
easat-7592	274	14	banking	banking	NOUN
easat-7592	274	15	and	and	CCONJ
easat-7592	274	16	financial	financial	ADJ
easat-7592	274	17	services	service	NOUN
easat-7592	274	18	.	.	PUNCT
easat-7592	275	1	this	this	DET
easat-7592	275	2	result	result	NOUN
easat-7592	275	3	also	also	ADV
easat-7592	275	4	completely	completely	ADV
easat-7592	275	5	matches	match	VERB
easat-7592	275	6	the	the	DET
easat-7592	275	7	study	study	NOUN
easat-7592	275	8	results	result	NOUN
easat-7592	275	9	of	of	ADP
easat-7592	275	10	andrianaivo	andrianaivo	NOUN
easat-7592	275	11	and	and	CCONJ
easat-7592	275	12	kpodar	kpodar	PROPN
easat-7592	276	1	[	[	X
easat-7592	276	2	21	21	NUM
easat-7592	276	3	]	]	PUNCT
easat-7592	276	4	and	and	CCONJ
easat-7592	276	5	evans	evans	PROPN
easat-7592	277	1	[	[	X
easat-7592	277	2	22	22	NUM
easat-7592	277	3	]	]	PUNCT
easat-7592	277	4	.	.	PUNCT
easat-7592	278	1	2813	2813	NUM
easat-7592	278	2	edelweiss	edelweiss	PROPN
easat-7592	278	3	applied	apply	VERB
easat-7592	278	4	science	science	NOUN
easat-7592	278	5	and	and	CCONJ
easat-7592	278	6	technology	technology	NOUN
easat-7592	278	7	issn	issn	PROPN
easat-7592	278	8	:	:	PUNCT
easat-7592	278	9	2576	2576	NUM
easat-7592	278	10	-	-	SYM
easat-7592	278	11	8484	8484	NUM
easat-7592	278	12	vol	vol	NOUN
easat-7592	278	13	.	.	PROPN
easat-7592	279	1	9	9	NUM
easat-7592	279	2	,	,	PUNCT
easat-7592	279	3	no	no	INTJ
easat-7592	279	4	.	.	NOUN
easat-7592	279	5	5	5	NUM
easat-7592	279	6	:	:	SYM
easat-7592	279	7	2801	2801	NUM
easat-7592	279	8	-	-	SYM
easat-7592	279	9	2815	2815	NUM
easat-7592	279	10	,	,	PUNCT
easat-7592	279	11	2025	2025	NUM
easat-7592	279	12	doi	doi	NOUN
easat-7592	279	13	:	:	PUNCT
easat-7592	279	14	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	279	15	©	©	PROPN
easat-7592	279	16	2025	2025	NUM
easat-7592	279	17	by	by	ADP
easat-7592	279	18	the	the	DET
easat-7592	279	19	author	author	NOUN
easat-7592	279	20	;	;	PUNCT
easat-7592	279	21	licensee	licensee	PROPN
easat-7592	279	22	learning	learning	NOUN
easat-7592	279	23	gate	gate	NOUN
easat-7592	279	24	5	5	NUM
easat-7592	279	25	.	.	PUNCT
easat-7592	279	26	conclusions	conclusion	NOUN
easat-7592	279	27	and	and	CCONJ
easat-7592	279	28	recommendations	recommendation	NOUN
easat-7592	279	29	by	by	ADP
easat-7592	279	30	collecting	collect	VERB
easat-7592	279	31	demand	demand	NOUN
easat-7592	279	32	-	-	PUNCT
easat-7592	279	33	side	side	NOUN
easat-7592	279	34	data	datum	NOUN
easat-7592	279	35	(	(	PUNCT
easat-7592	279	36	characteristics	characteristic	NOUN
easat-7592	279	37	of	of	ADP
easat-7592	279	38	users	user	NOUN
easat-7592	279	39	of	of	ADP
easat-7592	279	40	products	product	NOUN
easat-7592	279	41	and	and	CCONJ
easat-7592	279	42	services	service	NOUN
easat-7592	279	43	)	)	PUNCT
easat-7592	279	44	,	,	PUNCT
easat-7592	279	45	the	the	DET
easat-7592	279	46	author	author	NOUN
easat-7592	279	47	evaluated	evaluate	VERB
easat-7592	279	48	the	the	DET
easat-7592	279	49	model	model	NOUN
easat-7592	279	50	of	of	ADP
easat-7592	279	51	factors	factor	NOUN
easat-7592	279	52	affecting	affect	VERB
easat-7592	279	53	the	the	DET
easat-7592	279	54	financial	financial	ADJ
easat-7592	279	55	inclusion	inclusion	NOUN
easat-7592	279	56	in	in	ADP
easat-7592	279	57	vietnam	vietnam	PROPN
easat-7592	279	58	.	.	PUNCT
easat-7592	280	1	the	the	DET
easat-7592	280	2	results	result	NOUN
easat-7592	280	3	show	show	VERB
easat-7592	280	4	that	that	SCONJ
easat-7592	280	5	:	:	PUNCT
easat-7592	280	6	gender	gender	NOUN
easat-7592	280	7	,	,	PUNCT
easat-7592	280	8	gen	gen	PROPN
easat-7592	280	9	,	,	PUNCT
easat-7592	280	10	have	have	VERB
easat-7592	280	11	a	a	DET
easat-7592	280	12	negative	negative	ADJ
easat-7592	280	13	impact	impact	NOUN
easat-7592	280	14	on	on	ADP
easat-7592	280	15	owning	own	VERB
easat-7592	280	16	accounts	account	NOUN
easat-7592	280	17	,	,	PUNCT
easat-7592	280	18	using	use	VERB
easat-7592	280	19	savings	saving	NOUN
easat-7592	280	20	services	service	NOUN
easat-7592	280	21	,	,	PUNCT
easat-7592	280	22	using	use	VERB
easat-7592	280	23	atm	atm	NOUN
easat-7592	280	24	cards	card	NOUN
easat-7592	280	25	,	,	PUNCT
easat-7592	280	26	using	use	VERB
easat-7592	280	27	credit	credit	NOUN
easat-7592	280	28	cards	card	NOUN
easat-7592	280	29	,	,	PUNCT
easat-7592	280	30	using	use	VERB
easat-7592	280	31	insurance	insurance	NOUN
easat-7592	280	32	,	,	PUNCT
easat-7592	280	33	investment	investment	NOUN
easat-7592	280	34	services	service	NOUN
easat-7592	280	35	.	.	PUNCT
easat-7592	281	1	the	the	DET
easat-7592	281	2	effects	effect	NOUN
easat-7592	281	3	of	of	ADP
easat-7592	281	4	the	the	DET
easat-7592	281	5	variables	variable	NOUN
easat-7592	281	6	age	age	NOUN
easat-7592	281	7	and	and	CCONJ
easat-7592	281	8	age2	age2	NOUN
easat-7592	281	9	have	have	VERB
easat-7592	281	10	positive	positive	ADJ
easat-7592	281	11	and	and	CCONJ
easat-7592	281	12	negative	negative	ADJ
easat-7592	281	13	signs	sign	NOUN
easat-7592	281	14	,	,	PUNCT
easat-7592	281	15	respectively	respectively	ADV
easat-7592	281	16	(	(	PUNCT
easat-7592	281	17	with	with	ADP
easat-7592	281	18	a	a	DET
easat-7592	281	19	significance	significance	NOUN
easat-7592	281	20	level	level	NOUN
easat-7592	281	21	of	of	ADP
easat-7592	281	22	1	1	NUM
easat-7592	281	23	%	%	NOUN
easat-7592	281	24	)	)	PUNCT
easat-7592	281	25	,	,	PUNCT
easat-7592	281	26	meaning	mean	VERB
easat-7592	281	27	that	that	SCONJ
easat-7592	281	28	there	there	PRON
easat-7592	281	29	is	be	VERB
easat-7592	281	30	a	a	DET
easat-7592	281	31	nonlinear	nonlinear	ADJ
easat-7592	281	32	relationship	relationship	NOUN
easat-7592	281	33	between	between	ADP
easat-7592	281	34	age	age	NOUN
easat-7592	281	35	and	and	CCONJ
easat-7592	281	36	owning	own	VERB
easat-7592	281	37	a	a	DET
easat-7592	281	38	bank	bank	NOUN
easat-7592	281	39	account	account	NOUN
easat-7592	281	40	as	as	ADV
easat-7592	281	41	well	well	ADV
easat-7592	281	42	as	as	ADP
easat-7592	281	43	using	use	VERB
easat-7592	281	44	banking	banking	NOUN
easat-7592	281	45	and	and	CCONJ
easat-7592	281	46	financial	financial	ADJ
easat-7592	281	47	services	service	NOUN
easat-7592	281	48	.	.	PUNCT
easat-7592	282	1	marital	marital	ADJ
easat-7592	282	2	status	status	NOUN
easat-7592	282	3	,	,	PUNCT
easat-7592	282	4	education	education	NOUN
easat-7592	282	5	,	,	PUNCT
easat-7592	282	6	income	income	NOUN
easat-7592	282	7	,	,	PUNCT
easat-7592	282	8	and	and	CCONJ
easat-7592	282	9	level	level	NOUN
easat-7592	282	10	of	of	ADP
easat-7592	282	11	internet	internet	NOUN
easat-7592	282	12	access	access	NOUN
easat-7592	282	13	have	have	VERB
easat-7592	282	14	a	a	DET
easat-7592	282	15	positive	positive	ADJ
easat-7592	282	16	and	and	CCONJ
easat-7592	282	17	statistically	statistically	ADV
easat-7592	282	18	significant	significant	ADJ
easat-7592	282	19	impact	impact	NOUN
easat-7592	282	20	on	on	ADP
easat-7592	282	21	financial	financial	ADJ
easat-7592	282	22	inclusion	inclusion	NOUN
easat-7592	282	23	.	.	PUNCT
easat-7592	283	1	based	base	VERB
easat-7592	283	2	on	on	ADP
easat-7592	283	3	the	the	DET
easat-7592	283	4	research	research	NOUN
easat-7592	283	5	findings	finding	NOUN
easat-7592	283	6	,	,	PUNCT
easat-7592	283	7	this	this	DET
easat-7592	283	8	study	study	NOUN
easat-7592	283	9	proposes	propose	VERB
easat-7592	283	10	several	several	ADJ
easat-7592	283	11	solutions	solution	NOUN
easat-7592	283	12	to	to	PART
easat-7592	283	13	promote	promote	VERB
easat-7592	283	14	financial	financial	ADJ
easat-7592	283	15	inclusion	inclusion	NOUN
easat-7592	283	16	in	in	ADP
easat-7592	283	17	vietnam	vietnam	PROPN
easat-7592	283	18	as	as	SCONJ
easat-7592	283	19	follows	follow	VERB
easat-7592	283	20	:	:	PUNCT
easat-7592	283	21	firstly	firstly	ADV
easat-7592	283	22	,	,	PUNCT
easat-7592	283	23	enhance	enhance	VERB
easat-7592	283	24	financial	financial	ADJ
easat-7592	283	25	access	access	NOUN
easat-7592	283	26	for	for	ADP
easat-7592	283	27	gender	gender	NOUN
easat-7592	283	28	groups	group	NOUN
easat-7592	283	29	with	with	ADP
easat-7592	283	30	lower	low	ADJ
easat-7592	283	31	utilization	utilization	NOUN
easat-7592	283	32	rates	rate	NOUN
easat-7592	283	33	:	:	PUNCT
easat-7592	283	34	given	give	VERB
easat-7592	283	35	that	that	SCONJ
easat-7592	283	36	gender	gender	NOUN
easat-7592	283	37	negatively	negatively	ADV
easat-7592	283	38	affects	affect	VERB
easat-7592	283	39	the	the	DET
easat-7592	283	40	usage	usage	NOUN
easat-7592	283	41	of	of	ADP
easat-7592	283	42	financial	financial	ADJ
easat-7592	283	43	services	service	NOUN
easat-7592	283	44	,	,	PUNCT
easat-7592	283	45	inclusive	inclusive	ADJ
easat-7592	283	46	financial	financial	ADJ
easat-7592	283	47	policies	policy	NOUN
easat-7592	283	48	should	should	AUX
easat-7592	283	49	specifically	specifically	ADV
easat-7592	283	50	target	target	VERB
easat-7592	283	51	women	woman	NOUN
easat-7592	283	52	through	through	ADP
easat-7592	283	53	tailored	tailor	VERB
easat-7592	283	54	financial	financial	ADJ
easat-7592	283	55	products	product	NOUN
easat-7592	283	56	,	,	PUNCT
easat-7592	283	57	targeted	target	VERB
easat-7592	283	58	communication	communication	NOUN
easat-7592	283	59	programs	program	NOUN
easat-7592	283	60	,	,	PUNCT
easat-7592	283	61	and	and	CCONJ
easat-7592	283	62	financial	financial	ADJ
easat-7592	283	63	education	education	NOUN
easat-7592	283	64	initiatives	initiative	NOUN
easat-7592	283	65	,	,	PUNCT
easat-7592	283	66	particularly	particularly	ADV
easat-7592	283	67	for	for	ADP
easat-7592	283	68	rural	rural	ADJ
easat-7592	283	69	and	and	CCONJ
easat-7592	283	70	low	low	ADJ
easat-7592	283	71	-	-	PUNCT
easat-7592	283	72	income	income	NOUN
easat-7592	283	73	groups	group	NOUN
easat-7592	283	74	.	.	PUNCT
easat-7592	284	1	conducting	conduct	VERB
easat-7592	284	2	specialized	specialized	ADJ
easat-7592	284	3	training	training	NOUN
easat-7592	284	4	sessions	session	NOUN
easat-7592	284	5	and	and	CCONJ
easat-7592	284	6	workshops	workshop	NOUN
easat-7592	284	7	on	on	ADP
easat-7592	284	8	personal	personal	ADJ
easat-7592	284	9	financial	financial	ADJ
easat-7592	284	10	management	management	NOUN
easat-7592	284	11	explicitly	explicitly	ADV
easat-7592	284	12	designed	design	VERB
easat-7592	284	13	for	for	ADP
easat-7592	284	14	women	woman	NOUN
easat-7592	284	15	can	can	AUX
easat-7592	284	16	effectively	effectively	ADV
easat-7592	284	17	reduce	reduce	VERB
easat-7592	284	18	the	the	DET
easat-7592	284	19	gender	gender	NOUN
easat-7592	284	20	disparity	disparity	NOUN
easat-7592	284	21	in	in	ADP
easat-7592	284	22	financial	financial	ADJ
easat-7592	284	23	accessibility	accessibility	NOUN
easat-7592	284	24	.	.	PUNCT
easat-7592	285	1	secondly	secondly	ADV
easat-7592	285	2	,	,	PUNCT
easat-7592	285	3	strengthen	strengthen	VERB
easat-7592	285	4	financial	financial	ADJ
easat-7592	285	5	literacy	literacy	NOUN
easat-7592	285	6	education	education	NOUN
easat-7592	285	7	tailored	tailor	VERB
easat-7592	285	8	to	to	ADP
easat-7592	285	9	specific	specific	ADJ
easat-7592	285	10	age	age	NOUN
easat-7592	285	11	groups	group	NOUN
easat-7592	285	12	,	,	PUNCT
easat-7592	285	13	particularly	particularly	ADV
easat-7592	285	14	youth	youth	NOUN
easat-7592	285	15	and	and	CCONJ
easat-7592	285	16	older	old	ADJ
easat-7592	285	17	adults	adult	NOUN
easat-7592	285	18	:	:	PUNCT
easat-7592	285	19	considering	consider	VERB
easat-7592	285	20	the	the	DET
easat-7592	285	21	nonlinear	nonlinear	ADJ
easat-7592	285	22	relationship	relationship	NOUN
easat-7592	285	23	between	between	ADP
easat-7592	285	24	age	age	NOUN
easat-7592	285	25	and	and	CCONJ
easat-7592	285	26	usage	usage	NOUN
easat-7592	285	27	of	of	ADP
easat-7592	285	28	financial	financial	ADJ
easat-7592	285	29	services	service	NOUN
easat-7592	285	30	,	,	PUNCT
easat-7592	285	31	financial	financial	ADJ
easat-7592	285	32	literacy	literacy	NOUN
easat-7592	285	33	policies	policy	NOUN
easat-7592	285	34	should	should	AUX
easat-7592	285	35	be	be	AUX
easat-7592	285	36	specifically	specifically	ADV
easat-7592	285	37	designed	design	VERB
easat-7592	285	38	for	for	ADP
easat-7592	285	39	distinct	distinct	ADJ
easat-7592	285	40	age	age	NOUN
easat-7592	285	41	segments	segment	NOUN
easat-7592	285	42	.	.	PUNCT
easat-7592	286	1	educational	educational	ADJ
easat-7592	286	2	programs	program	NOUN
easat-7592	286	3	that	that	PRON
easat-7592	286	4	incorporate	incorporate	VERB
easat-7592	286	5	financial	financial	ADJ
easat-7592	286	6	management	management	NOUN
easat-7592	286	7	skills	skill	NOUN
easat-7592	286	8	in	in	ADP
easat-7592	286	9	schools	school	NOUN
easat-7592	286	10	and	and	CCONJ
easat-7592	286	11	universities	university	NOUN
easat-7592	286	12	should	should	AUX
easat-7592	286	13	be	be	AUX
easat-7592	286	14	promoted	promote	VERB
easat-7592	286	15	,	,	PUNCT
easat-7592	286	16	alongside	alongside	ADP
easat-7592	286	17	specialized	specialized	ADJ
easat-7592	286	18	training	training	NOUN
easat-7592	286	19	sessions	session	NOUN
easat-7592	286	20	for	for	ADP
easat-7592	286	21	older	old	ADJ
easat-7592	286	22	individuals	individual	NOUN
easat-7592	286	23	to	to	PART
easat-7592	286	24	enhance	enhance	VERB
easat-7592	286	25	their	their	PRON
easat-7592	286	26	ability	ability	NOUN
easat-7592	286	27	to	to	PART
easat-7592	286	28	effectively	effectively	ADV
easat-7592	286	29	manage	manage	VERB
easat-7592	286	30	finances	finance	NOUN
easat-7592	286	31	and	and	CCONJ
easat-7592	286	32	encourage	encourage	VERB
easat-7592	286	33	their	their	PRON
easat-7592	286	34	use	use	NOUN
easat-7592	286	35	of	of	ADP
easat-7592	286	36	banking	banking	NOUN
easat-7592	286	37	services	service	NOUN
easat-7592	286	38	.	.	PUNCT
easat-7592	287	1	thirdly	thirdly	ADV
easat-7592	287	2	,	,	PUNCT
easat-7592	287	3	accelerate	accelerate	VERB
easat-7592	287	4	digital	digital	ADJ
easat-7592	287	5	infrastructure	infrastructure	NOUN
easat-7592	287	6	development	development	NOUN
easat-7592	287	7	and	and	CCONJ
easat-7592	287	8	improve	improve	VERB
easat-7592	287	9	technological	technological	ADJ
easat-7592	287	10	competencies	competency	NOUN
easat-7592	287	11	:	:	PUNCT
easat-7592	287	12	research	research	NOUN
easat-7592	287	13	results	result	NOUN
easat-7592	287	14	affirm	affirm	NOUN
easat-7592	287	15	that	that	SCONJ
easat-7592	287	16	internet	internet	NOUN
easat-7592	287	17	accessibility	accessibility	NOUN
easat-7592	287	18	positively	positively	ADV
easat-7592	287	19	influences	influence	VERB
easat-7592	287	20	the	the	DET
easat-7592	287	21	use	use	NOUN
easat-7592	287	22	of	of	ADP
easat-7592	287	23	financial	financial	ADJ
easat-7592	287	24	services	service	NOUN
easat-7592	287	25	.	.	PUNCT
easat-7592	288	1	therefore	therefore	ADV
easat-7592	288	2	,	,	PUNCT
easat-7592	288	3	the	the	DET
easat-7592	288	4	government	government	NOUN
easat-7592	288	5	and	and	CCONJ
easat-7592	288	6	financial	financial	ADJ
easat-7592	288	7	institutions	institution	NOUN
easat-7592	288	8	should	should	AUX
easat-7592	288	9	continue	continue	VERB
easat-7592	288	10	investing	invest	VERB
easat-7592	288	11	in	in	ADP
easat-7592	288	12	digital	digital	ADJ
easat-7592	288	13	infrastructure	infrastructure	NOUN
easat-7592	288	14	,	,	PUNCT
easat-7592	288	15	particularly	particularly	ADV
easat-7592	288	16	in	in	ADP
easat-7592	288	17	rural	rural	ADJ
easat-7592	288	18	and	and	CCONJ
easat-7592	288	19	remote	remote	ADJ
easat-7592	288	20	areas	area	NOUN
easat-7592	288	21	,	,	PUNCT
easat-7592	288	22	facilitating	facilitate	VERB
easat-7592	288	23	the	the	DET
easat-7592	288	24	use	use	NOUN
easat-7592	288	25	of	of	ADP
easat-7592	288	26	electronic	electronic	ADJ
easat-7592	288	27	banking	banking	NOUN
easat-7592	288	28	,	,	PUNCT
easat-7592	288	29	digital	digital	ADJ
easat-7592	288	30	wallets	wallet	NOUN
easat-7592	288	31	,	,	PUNCT
easat-7592	288	32	and	and	CCONJ
easat-7592	288	33	other	other	ADJ
easat-7592	288	34	digital	digital	ADJ
easat-7592	288	35	financial	financial	ADJ
easat-7592	288	36	services	service	NOUN
easat-7592	288	37	.	.	PUNCT
easat-7592	289	1	additionally	additionally	ADV
easat-7592	289	2	,	,	PUNCT
easat-7592	289	3	digital	digital	ADJ
easat-7592	289	4	skills	skill	NOUN
easat-7592	289	5	training	training	NOUN
easat-7592	289	6	programs	program	NOUN
easat-7592	289	7	for	for	ADP
easat-7592	289	8	the	the	DET
easat-7592	289	9	population	population	NOUN
easat-7592	289	10	should	should	AUX
easat-7592	289	11	be	be	AUX
easat-7592	289	12	enhanced	enhance	VERB
easat-7592	289	13	to	to	PART
easat-7592	289	14	increase	increase	VERB
easat-7592	289	15	their	their	PRON
easat-7592	289	16	capability	capability	NOUN
easat-7592	289	17	to	to	PART
easat-7592	289	18	access	access	VERB
easat-7592	289	19	internet	internet	NOUN
easat-7592	289	20	-	-	PUNCT
easat-7592	289	21	based	base	VERB
easat-7592	289	22	financial	financial	ADJ
easat-7592	289	23	services	service	NOUN
easat-7592	289	24	.	.	PUNCT
easat-7592	290	1	fourthly	fourthly	ADV
easat-7592	290	2	,	,	PUNCT
easat-7592	290	3	diversify	diversify	VERB
easat-7592	290	4	financial	financial	ADJ
easat-7592	290	5	products	product	NOUN
easat-7592	290	6	and	and	CCONJ
easat-7592	290	7	services	service	NOUN
easat-7592	290	8	to	to	PART
easat-7592	290	9	meet	meet	VERB
easat-7592	290	10	the	the	DET
easat-7592	290	11	needs	need	NOUN
easat-7592	290	12	of	of	ADP
easat-7592	290	13	different	different	ADJ
easat-7592	290	14	income	income	NOUN
easat-7592	290	15	segments	segment	NOUN
easat-7592	290	16	:	:	PUNCT
easat-7592	290	17	as	as	SCONJ
easat-7592	290	18	income	income	NOUN
easat-7592	290	19	positively	positively	ADV
easat-7592	290	20	impacts	impact	VERB
easat-7592	290	21	financial	financial	ADJ
easat-7592	290	22	inclusion	inclusion	NOUN
easat-7592	290	23	,	,	PUNCT
easat-7592	290	24	it	it	PRON
easat-7592	290	25	is	be	AUX
easat-7592	290	26	essential	essential	ADJ
easat-7592	290	27	to	to	PART
easat-7592	290	28	offer	offer	VERB
easat-7592	290	29	microfinance	microfinance	NOUN
easat-7592	290	30	products	product	NOUN
easat-7592	290	31	,	,	PUNCT
easat-7592	290	32	flexible	flexible	ADJ
easat-7592	290	33	savings	saving	NOUN
easat-7592	290	34	schemes	scheme	NOUN
easat-7592	290	35	,	,	PUNCT
easat-7592	290	36	micro	micro	NOUN
easat-7592	290	37	-	-	NOUN
easat-7592	290	38	insurance	insurance	NOUN
easat-7592	290	39	,	,	PUNCT
easat-7592	290	40	and	and	CCONJ
easat-7592	290	41	consumer	consumer	NOUN
easat-7592	290	42	credit	credit	NOUN
easat-7592	290	43	products	product	NOUN
easat-7592	290	44	with	with	ADP
easat-7592	290	45	adaptable	adaptable	ADJ
easat-7592	290	46	conditions	condition	NOUN
easat-7592	290	47	suitable	suitable	ADJ
easat-7592	290	48	for	for	ADP
easat-7592	290	49	low	low	ADJ
easat-7592	290	50	and	and	CCONJ
easat-7592	290	51	middle	middle	ADJ
easat-7592	290	52	-	-	PUNCT
easat-7592	290	53	income	income	NOUN
easat-7592	290	54	households	household	NOUN
easat-7592	290	55	.	.	PUNCT
easat-7592	291	1	furthermore	furthermore	ADV
easat-7592	291	2	,	,	PUNCT
easat-7592	291	3	preferential	preferential	ADJ
easat-7592	291	4	financial	financial	ADJ
easat-7592	291	5	service	service	NOUN
easat-7592	291	6	packages	package	NOUN
easat-7592	291	7	should	should	AUX
easat-7592	291	8	be	be	AUX
easat-7592	291	9	provided	provide	VERB
easat-7592	291	10	to	to	PART
easat-7592	291	11	encourage	encourage	VERB
easat-7592	291	12	these	these	DET
easat-7592	291	13	population	population	NOUN
easat-7592	291	14	groups	group	NOUN
easat-7592	291	15	to	to	PART
easat-7592	291	16	actively	actively	ADV
easat-7592	291	17	participate	participate	VERB
easat-7592	291	18	in	in	ADP
easat-7592	291	19	the	the	DET
easat-7592	291	20	formal	formal	ADJ
easat-7592	291	21	financial	financial	ADJ
easat-7592	291	22	system	system	NOUN
easat-7592	291	23	.	.	PUNCT
easat-7592	292	1	fithly	fithly	ADV
easat-7592	292	2	,	,	PUNCT
easat-7592	292	3	encourage	encourage	VERB
easat-7592	292	4	participation	participation	NOUN
easat-7592	292	5	of	of	ADP
easat-7592	292	6	non	non	ADJ
easat-7592	292	7	-	-	ADJ
easat-7592	292	8	bank	bank	ADJ
easat-7592	292	9	financial	financial	ADJ
easat-7592	292	10	institutions	institution	NOUN
easat-7592	292	11	and	and	CCONJ
easat-7592	292	12	fintech	fintech	NOUN
easat-7592	292	13	companies	company	NOUN
easat-7592	292	14	:	:	PUNCT
easat-7592	292	15	financial	financial	ADJ
easat-7592	292	16	inclusion	inclusion	NOUN
easat-7592	292	17	policies	policy	NOUN
easat-7592	292	18	in	in	ADP
easat-7592	292	19	vietnam	vietnam	PROPN
easat-7592	292	20	should	should	AUX
easat-7592	292	21	foster	foster	VERB
easat-7592	292	22	a	a	DET
easat-7592	292	23	regulatory	regulatory	ADJ
easat-7592	292	24	environment	environment	NOUN
easat-7592	292	25	that	that	PRON
easat-7592	292	26	supports	support	VERB
easat-7592	292	27	the	the	DET
easat-7592	292	28	development	development	NOUN
easat-7592	292	29	of	of	ADP
easat-7592	292	30	non	non	ADJ
easat-7592	292	31	-	-	ADJ
easat-7592	292	32	bank	bank	ADJ
easat-7592	292	33	financial	financial	ADJ
easat-7592	292	34	institutions	institution	NOUN
easat-7592	292	35	and	and	CCONJ
easat-7592	292	36	fintech	fintech	NOUN
easat-7592	292	37	companies	company	NOUN
easat-7592	292	38	.	.	PUNCT
easat-7592	293	1	these	these	DET
easat-7592	293	2	institutions	institution	NOUN
easat-7592	293	3	can	can	AUX
easat-7592	293	4	deliver	deliver	VERB
easat-7592	293	5	accessible	accessible	ADJ
easat-7592	293	6	,	,	PUNCT
easat-7592	293	7	simplified	simplified	ADJ
easat-7592	293	8	,	,	PUNCT
easat-7592	293	9	and	and	CCONJ
easat-7592	293	10	efficient	efficient	ADJ
easat-7592	293	11	financial	financial	ADJ
easat-7592	293	12	solutions	solution	NOUN
easat-7592	293	13	catering	cater	VERB
easat-7592	293	14	specifically	specifically	ADV
easat-7592	293	15	to	to	ADP
easat-7592	293	16	populations	population	NOUN
easat-7592	293	17	underserved	underserve	VERB
easat-7592	293	18	by	by	ADP
easat-7592	293	19	traditional	traditional	ADJ
easat-7592	293	20	banking	banking	NOUN
easat-7592	293	21	channels	channel	NOUN
easat-7592	293	22	,	,	PUNCT
easat-7592	293	23	thus	thus	ADV
easat-7592	293	24	significantly	significantly	ADV
easat-7592	293	25	broadening	broaden	VERB
easat-7592	293	26	the	the	DET
easat-7592	293	27	scope	scope	NOUN
easat-7592	293	28	of	of	ADP
easat-7592	293	29	financial	financial	ADJ
easat-7592	293	30	inclusion	inclusion	NOUN
easat-7592	293	31	.	.	PUNCT
easat-7592	294	1	finnaly	finnaly	PROPN
easat-7592	294	2	,	,	PUNCT
easat-7592	294	3	promoting	promote	VERB
easat-7592	294	4	public	public	ADJ
easat-7592	294	5	-	-	PUNCT
easat-7592	294	6	private	private	ADJ
easat-7592	294	7	partnerships	partnership	NOUN
easat-7592	294	8	(	(	PUNCT
easat-7592	294	9	ppps	ppps	PROPN
easat-7592	294	10	)	)	PUNCT
easat-7592	294	11	to	to	PART
easat-7592	294	12	effectively	effectively	ADV
easat-7592	294	13	implement	implement	VERB
easat-7592	294	14	financial	financial	ADJ
easat-7592	294	15	inclusion	inclusion	NOUN
easat-7592	294	16	initiatives	initiative	NOUN
easat-7592	294	17	:	:	PUNCT
easat-7592	294	18	enhanced	enhance	VERB
easat-7592	294	19	cooperation	cooperation	NOUN
easat-7592	294	20	among	among	ADP
easat-7592	294	21	government	government	NOUN
easat-7592	294	22	bodies	body	NOUN
easat-7592	294	23	,	,	PUNCT
easat-7592	294	24	financial	financial	ADJ
easat-7592	294	25	institutions	institution	NOUN
easat-7592	294	26	,	,	PUNCT
easat-7592	294	27	and	and	CCONJ
easat-7592	294	28	private	private	ADJ
easat-7592	294	29	-	-	PUNCT
easat-7592	294	30	sector	sector	NOUN
easat-7592	294	31	enterprises	enterprise	NOUN
easat-7592	294	32	should	should	AUX
easat-7592	294	33	be	be	AUX
easat-7592	294	34	prioritized	prioritize	VERB
easat-7592	294	35	to	to	PART
easat-7592	294	36	execute	execute	VERB
easat-7592	294	37	impactful	impactful	ADJ
easat-7592	294	38	communication	communication	NOUN
easat-7592	294	39	campaigns	campaign	NOUN
easat-7592	294	40	,	,	PUNCT
easat-7592	294	41	comprehensive	comprehensive	ADJ
easat-7592	294	42	financial	financial	ADJ
easat-7592	294	43	education	education	NOUN
easat-7592	294	44	initiatives	initiative	NOUN
easat-7592	294	45	,	,	PUNCT
easat-7592	294	46	and	and	CCONJ
easat-7592	294	47	strategic	strategic	ADJ
easat-7592	294	48	investments	investment	NOUN
easat-7592	294	49	in	in	ADP
easat-7592	294	50	infrastructure	infrastructure	NOUN
easat-7592	294	51	and	and	CCONJ
easat-7592	294	52	technological	technological	ADJ
easat-7592	294	53	advancements	advancement	NOUN
easat-7592	294	54	aimed	aim	VERB
easat-7592	294	55	at	at	ADP
easat-7592	294	56	widespread	widespread	ADJ
easat-7592	294	57	financial	financial	ADJ
easat-7592	294	58	inclusion	inclusion	NOUN
easat-7592	294	59	.	.	PUNCT
easat-7592	295	1	such	such	ADJ
easat-7592	295	2	collaborative	collaborative	ADJ
easat-7592	295	3	public	public	ADJ
easat-7592	295	4	-	-	PUNCT
easat-7592	295	5	private	private	ADJ
easat-7592	295	6	partnerships	partnership	NOUN
easat-7592	295	7	are	be	AUX
easat-7592	295	8	instrumental	instrumental	ADJ
easat-7592	295	9	in	in	ADP
easat-7592	295	10	reducing	reduce	VERB
easat-7592	295	11	implementation	implementation	NOUN
easat-7592	295	12	costs	cost	NOUN
easat-7592	295	13	and	and	CCONJ
easat-7592	295	14	substantially	substantially	ADV
easat-7592	295	15	improving	improve	VERB
easat-7592	295	16	the	the	DET
easat-7592	295	17	effectiveness	effectiveness	NOUN
easat-7592	295	18	and	and	CCONJ
easat-7592	295	19	reach	reach	NOUN
easat-7592	295	20	of	of	ADP
easat-7592	295	21	financial	financial	ADJ
easat-7592	295	22	inclusion	inclusion	NOUN
easat-7592	295	23	efforts	effort	NOUN
easat-7592	295	24	.	.	PUNCT
easat-7592	296	1	comprehensive	comprehensive	ADJ
easat-7592	296	2	and	and	CCONJ
easat-7592	296	3	coordinated	coordinated	ADJ
easat-7592	296	4	implementation	implementation	NOUN
easat-7592	296	5	of	of	ADP
easat-7592	296	6	these	these	DET
easat-7592	296	7	recommendations	recommendation	NOUN
easat-7592	296	8	can	can	AUX
easat-7592	296	9	substantially	substantially	ADV
easat-7592	296	10	advance	advance	VERB
easat-7592	296	11	financial	financial	ADJ
easat-7592	296	12	inclusion	inclusion	NOUN
easat-7592	296	13	in	in	ADP
easat-7592	296	14	vietnam	vietnam	PROPN
easat-7592	296	15	,	,	PUNCT
easat-7592	296	16	contributing	contribute	VERB
easat-7592	296	17	to	to	ADP
easat-7592	296	18	sustainable	sustainable	ADJ
easat-7592	296	19	economic	economic	ADJ
easat-7592	296	20	growth	growth	NOUN
easat-7592	296	21	and	and	CCONJ
easat-7592	296	22	enhanced	enhance	VERB
easat-7592	296	23	social	social	ADJ
easat-7592	296	24	stability	stability	NOUN
easat-7592	296	25	.	.	PUNCT
easat-7592	297	1	2814	2814	NUM
easat-7592	297	2	edelweiss	edelweiss	PROPN
easat-7592	297	3	applied	apply	VERB
easat-7592	297	4	science	science	NOUN
easat-7592	297	5	and	and	CCONJ
easat-7592	297	6	technology	technology	NOUN
easat-7592	297	7	issn	issn	PROPN
easat-7592	297	8	:	:	PUNCT
easat-7592	297	9	2576	2576	NUM
easat-7592	297	10	-	-	SYM
easat-7592	297	11	8484	8484	NUM
easat-7592	297	12	vol	vol	NOUN
easat-7592	297	13	.	.	PROPN
easat-7592	298	1	9	9	NUM
easat-7592	298	2	,	,	PUNCT
easat-7592	298	3	no	no	INTJ
easat-7592	298	4	.	.	NOUN
easat-7592	298	5	5	5	NUM
easat-7592	298	6	:	:	SYM
easat-7592	298	7	2801	2801	NUM
easat-7592	298	8	-	-	SYM
easat-7592	298	9	2815	2815	NUM
easat-7592	298	10	,	,	PUNCT
easat-7592	298	11	2025	2025	NUM
easat-7592	298	12	doi	doi	NOUN
easat-7592	298	13	:	:	PUNCT
easat-7592	298	14	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	298	15	©	©	PROPN
easat-7592	298	16	2025	2025	NUM
easat-7592	298	17	by	by	ADP
easat-7592	298	18	the	the	DET
easat-7592	298	19	author	author	NOUN
easat-7592	298	20	;	;	PUNCT
easat-7592	298	21	licensee	licensee	PROPN
easat-7592	298	22	learning	learn	VERB
easat-7592	298	23	gate	gate	NOUN
easat-7592	298	24	transparency	transparency	NOUN
easat-7592	298	25	:	:	PUNCT
easat-7592	298	26	the	the	DET
easat-7592	298	27	author	author	NOUN
easat-7592	298	28	confirms	confirm	VERB
easat-7592	298	29	that	that	SCONJ
easat-7592	298	30	the	the	DET
easat-7592	298	31	manuscript	manuscript	NOUN
easat-7592	298	32	is	be	AUX
easat-7592	298	33	an	an	DET
easat-7592	298	34	honest	honest	ADJ
easat-7592	298	35	,	,	PUNCT
easat-7592	298	36	accurate	accurate	ADJ
easat-7592	298	37	,	,	PUNCT
easat-7592	298	38	and	and	CCONJ
easat-7592	298	39	transparent	transparent	ADJ
easat-7592	298	40	account	account	NOUN
easat-7592	298	41	of	of	ADP
easat-7592	298	42	the	the	DET
easat-7592	298	43	study	study	NOUN
easat-7592	298	44	;	;	PUNCT
easat-7592	298	45	that	that	SCONJ
easat-7592	298	46	no	no	DET
easat-7592	298	47	vital	vital	ADJ
easat-7592	298	48	features	feature	NOUN
easat-7592	298	49	of	of	ADP
easat-7592	298	50	the	the	DET
easat-7592	298	51	study	study	NOUN
easat-7592	298	52	have	have	AUX
easat-7592	298	53	been	be	AUX
easat-7592	298	54	omitted	omit	VERB
easat-7592	298	55	;	;	PUNCT
easat-7592	298	56	and	and	CCONJ
easat-7592	298	57	that	that	SCONJ
easat-7592	298	58	any	any	DET
easat-7592	298	59	discrepancies	discrepancy	NOUN
easat-7592	298	60	from	from	ADP
easat-7592	298	61	the	the	DET
easat-7592	298	62	study	study	NOUN
easat-7592	298	63	as	as	SCONJ
easat-7592	298	64	planned	plan	VERB
easat-7592	298	65	have	have	AUX
easat-7592	298	66	been	be	AUX
easat-7592	298	67	explained	explain	VERB
easat-7592	298	68	.	.	PUNCT
easat-7592	299	1	this	this	DET
easat-7592	299	2	study	study	NOUN
easat-7592	299	3	followed	follow	VERB
easat-7592	299	4	all	all	DET
easat-7592	299	5	ethical	ethical	ADJ
easat-7592	299	6	practices	practice	NOUN
easat-7592	299	7	during	during	ADP
easat-7592	299	8	writing	writing	NOUN
easat-7592	299	9	.	.	PUNCT
easat-7592	300	1	acknowledgement	acknowledgement	NOUN
easat-7592	300	2	:	:	PUNCT
easat-7592	300	3	the	the	DET
easat-7592	300	4	author	author	NOUN
easat-7592	300	5	gratefully	gratefully	ADV
easat-7592	300	6	acknowledges	acknowledge	VERB
easat-7592	300	7	the	the	DET
easat-7592	300	8	financial	financial	ADJ
easat-7592	300	9	support	support	NOUN
easat-7592	300	10	from	from	ADP
easat-7592	300	11	the	the	DET
easat-7592	300	12	banking	banking	NOUN
easat-7592	300	13	academy	academy	PROPN
easat-7592	300	14	of	of	ADP
easat-7592	300	15	vietnam	vietnam	PROPN
easat-7592	300	16	.	.	PUNCT
easat-7592	301	1	copyright	copyright	NOUN
easat-7592	301	2	:	:	PUNCT
easat-7592	301	3	©	©	PROPN
easat-7592	301	4	2025	2025	NUM
easat-7592	301	5	by	by	ADP
easat-7592	301	6	the	the	DET
easat-7592	301	7	author	author	NOUN
easat-7592	301	8	.	.	PUNCT
easat-7592	302	1	this	this	DET
easat-7592	302	2	open	open	ADJ
easat-7592	302	3	-	-	PUNCT
easat-7592	302	4	access	access	NOUN
easat-7592	302	5	article	article	NOUN
easat-7592	302	6	is	be	AUX
easat-7592	302	7	distributed	distribute	VERB
easat-7592	302	8	under	under	ADP
easat-7592	302	9	the	the	DET
easat-7592	302	10	terms	term	NOUN
easat-7592	302	11	and	and	CCONJ
easat-7592	302	12	conditions	condition	NOUN
easat-7592	302	13	of	of	ADP
easat-7592	302	14	the	the	DET
easat-7592	302	15	creative	creative	ADJ
easat-7592	302	16	commons	common	NOUN
easat-7592	302	17	attribution	attribution	NOUN
easat-7592	302	18	(	(	PUNCT
easat-7592	302	19	cc	cc	NOUN
easat-7592	302	20	by	by	ADP
easat-7592	302	21	)	)	PUNCT
easat-7592	302	22	license	license	NOUN
easat-7592	302	23	(	(	PUNCT
easat-7592	302	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7592	302	25	)	)	PUNCT
easat-7592	302	26	.	.	PUNCT
easat-7592	303	1	references	reference	NOUN
easat-7592	303	2	[	[	X
easat-7592	303	3	1	1	NUM
easat-7592	303	4	]	]	PUNCT
easat-7592	303	5	x.	x.	NOUN
easat-7592	303	6	pena	pena	PROPN
easat-7592	303	7	,	,	PUNCT
easat-7592	303	8	c.	c.	PROPN
easat-7592	303	9	hoyo	hoyo	NOUN
easat-7592	303	10	,	,	PUNCT
easat-7592	303	11	and	and	CCONJ
easat-7592	303	12	d.	d.	PROPN
easat-7592	303	13	tuesta	tuesta	PROPN
easat-7592	303	14	,	,	PUNCT
easat-7592	303	15	"	"	PUNCT
easat-7592	303	16	determinants	determinant	NOUN
easat-7592	303	17	of	of	ADP
easat-7592	303	18	financial	financial	ADJ
easat-7592	303	19	inclusion	inclusion	NOUN
easat-7592	303	20	in	in	ADP
easat-7592	303	21	mexico	mexico	PROPN
easat-7592	303	22	based	base	VERB
easat-7592	303	23	on	on	ADP
easat-7592	303	24	the	the	DET
easat-7592	303	25	2012	2012	NUM
easat-7592	303	26	national	national	ADJ
easat-7592	303	27	financial	financial	ADJ
easat-7592	303	28	inclusion	inclusion	NOUN
easat-7592	303	29	survey	survey	NOUN
easat-7592	303	30	(	(	PUNCT
easat-7592	303	31	enif	enif	PROPN
easat-7592	303	32	)	)	PUNCT
easat-7592	303	33	,	,	PUNCT
easat-7592	303	34	"	"	PUNCT
easat-7592	303	35	bbva	bbva	PROPN
easat-7592	303	36	research	research	PROPN
easat-7592	303	37	,	,	PUNCT
easat-7592	303	38	vol	vol	NOUN
easat-7592	303	39	.	.	PROPN
easat-7592	303	40	14	14	NUM
easat-7592	303	41	,	,	PUNCT
easat-7592	303	42	p.	p.	NOUN
easat-7592	303	43	15	15	NUM
easat-7592	303	44	,	,	PUNCT
easat-7592	303	45	2014	2014	NUM
easat-7592	303	46	.	.	PUNCT
easat-7592	304	1	[	[	X
easat-7592	304	2	2	2	X
easat-7592	304	3	]	]	X
easat-7592	304	4	d.	d.	PROPN
easat-7592	304	5	tuesta	tuesta	PROPN
easat-7592	304	6	,	,	PUNCT
easat-7592	304	7	g.	g.	PROPN
easat-7592	304	8	sorensen	sorensen	PROPN
easat-7592	304	9	,	,	PUNCT
easat-7592	304	10	a.	a.	NOUN
easat-7592	304	11	haring	haring	NOUN
easat-7592	304	12	,	,	PUNCT
easat-7592	304	13	and	and	CCONJ
easat-7592	304	14	n.	n.	PROPN
easat-7592	304	15	camara	camara	PROPN
easat-7592	304	16	,	,	PUNCT
easat-7592	304	17	financial	financial	ADJ
easat-7592	304	18	inclusion	inclusion	NOUN
easat-7592	304	19	and	and	CCONJ
easat-7592	304	20	its	its	PRON
easat-7592	304	21	determinants	determinant	NOUN
easat-7592	304	22	:	:	PUNCT
easat-7592	304	23	the	the	DET
easat-7592	304	24	case	case	NOUN
easat-7592	304	25	of	of	ADP
easat-7592	304	26	argentina	argentina	PROPN
easat-7592	304	27	.	.	PUNCT
easat-7592	305	1	madrid	madrid	PROPN
easat-7592	305	2	:	:	PUNCT
easat-7592	305	3	bbva	bbva	PROPN
easat-7592	305	4	research	research	PROPN
easat-7592	305	5	,	,	PUNCT
easat-7592	305	6	2015	2015	NUM
easat-7592	305	7	.	.	PUNCT
easat-7592	306	1	[	[	X
easat-7592	306	2	3	3	NUM
easat-7592	306	3	]	]	X
easat-7592	306	4	n.	n.	PROPN
easat-7592	306	5	clamara	clamara	PROPN
easat-7592	306	6	,	,	PUNCT
easat-7592	306	7	x.	x.	NOUN
easat-7592	306	8	peña	peña	PROPN
easat-7592	306	9	,	,	PUNCT
easat-7592	306	10	and	and	CCONJ
easat-7592	306	11	d.	d.	PROPN
easat-7592	306	12	tuesta	tuesta	PROPN
easat-7592	306	13	,	,	PUNCT
easat-7592	306	14	"	"	PUNCT
easat-7592	306	15	factors	factor	NOUN
easat-7592	306	16	that	that	PRON
easat-7592	306	17	matter	matter	VERB
easat-7592	306	18	for	for	ADP
easat-7592	306	19	financial	financial	ADJ
easat-7592	306	20	inclusion	inclusion	NOUN
easat-7592	306	21	:	:	PUNCT
easat-7592	306	22	evidence	evidence	NOUN
easat-7592	306	23	from	from	ADP
easat-7592	306	24	peru	peru	PROPN
easat-7592	306	25	,	,	PUNCT
easat-7592	306	26	"	"	PUNCT
easat-7592	306	27	bbva	bbva	PROPN
easat-7592	306	28	research	research	PROPN
easat-7592	306	29	,	,	PUNCT
easat-7592	306	30	vol	vol	NOUN
easat-7592	306	31	.	.	PROPN
easat-7592	306	32	9	9	NUM
easat-7592	306	33	,	,	PUNCT
easat-7592	306	34	pp	pp	ADJ
easat-7592	306	35	.	.	PUNCT
easat-7592	307	1	2	2	NUM
easat-7592	307	2	-	-	SYM
easat-7592	307	3	26	26	NUM
easat-7592	307	4	,	,	PUNCT
easat-7592	307	5	2014	2014	NUM
easat-7592	307	6	.	.	PUNCT
easat-7592	308	1	[	[	X
easat-7592	308	2	4	4	NUM
easat-7592	308	3	]	]	PUNCT
easat-7592	308	4	a.	a.	NOUN
easat-7592	308	5	demirgüç	demirgüç	PROPN
easat-7592	308	6	-	-	PUNCT
easat-7592	308	7	kunt	kunt	PROPN
easat-7592	308	8	,	,	PUNCT
easat-7592	308	9	l.	l.	PROPN
easat-7592	308	10	f.	f.	PROPN
easat-7592	308	11	klapper	klapper	PROPN
easat-7592	308	12	,	,	PUNCT
easat-7592	308	13	and	and	CCONJ
easat-7592	308	14	d.	d.	PROPN
easat-7592	308	15	singer	singer	NOUN
easat-7592	308	16	,	,	PUNCT
easat-7592	308	17	"	"	PUNCT
easat-7592	308	18	financial	financial	ADJ
easat-7592	308	19	inclusion	inclusion	NOUN
easat-7592	308	20	and	and	CCONJ
easat-7592	308	21	legal	legal	ADJ
easat-7592	308	22	discrimination	discrimination	NOUN
easat-7592	308	23	against	against	ADP
easat-7592	308	24	women	woman	NOUN
easat-7592	308	25	:	:	PUNCT
easat-7592	308	26	evidence	evidence	NOUN
easat-7592	308	27	from	from	ADP
easat-7592	308	28	developing	develop	VERB
easat-7592	308	29	countries	country	NOUN
easat-7592	308	30	,	,	PUNCT
easat-7592	308	31	"	"	PUNCT
easat-7592	308	32	world	world	NOUN
easat-7592	308	33	bank	bank	NOUN
easat-7592	308	34	policy	policy	NOUN
easat-7592	308	35	research	research	NOUN
easat-7592	308	36	working	working	NOUN
easat-7592	308	37	paper	paper	NOUN
easat-7592	308	38	.	.	PUNCT
easat-7592	309	1	no	no	INTJ
easat-7592	309	2	.	.	NOUN
easat-7592	310	1	6416	6416	NUM
easat-7592	310	2	,	,	PUNCT
easat-7592	310	3	2013	2013	NUM
easat-7592	310	4	.	.	PUNCT
easat-7592	311	1	[	[	X
easat-7592	311	2	5	5	X
easat-7592	311	3	]	]	PUNCT
easat-7592	311	4	p.	p.	NOUN
easat-7592	311	5	k.	k.	PROPN
easat-7592	312	1	kuri	kuri	PROPN
easat-7592	312	2	and	and	CCONJ
easat-7592	312	3	a.	a.	PROPN
easat-7592	312	4	laha	laha	PROPN
easat-7592	312	5	,	,	PUNCT
easat-7592	312	6	"	"	PUNCT
easat-7592	312	7	financial	financial	ADJ
easat-7592	312	8	inclusion	inclusion	NOUN
easat-7592	312	9	and	and	CCONJ
easat-7592	312	10	human	human	ADJ
easat-7592	312	11	development	development	NOUN
easat-7592	312	12	in	in	ADP
easat-7592	312	13	india	india	PROPN
easat-7592	312	14	:	:	PUNCT
easat-7592	312	15	an	an	DET
easat-7592	312	16	inter	inter	ADJ
easat-7592	312	17	-	-	ADJ
easat-7592	312	18	state	state	ADJ
easat-7592	312	19	analysis	analysis	NOUN
easat-7592	312	20	,	,	PUNCT
easat-7592	312	21	"	"	PUNCT
easat-7592	312	22	indian	indian	ADJ
easat-7592	312	23	journal	journal	NOUN
easat-7592	312	24	of	of	ADP
easat-7592	312	25	human	human	PROPN
easat-7592	312	26	development	development	NOUN
easat-7592	312	27	,	,	PUNCT
easat-7592	312	28	vol	vol	NOUN
easat-7592	312	29	.	.	PROPN
easat-7592	312	30	5	5	NUM
easat-7592	312	31	,	,	PUNCT
easat-7592	312	32	no	no	INTJ
easat-7592	312	33	.	.	NOUN
easat-7592	312	34	1	1	NUM
easat-7592	312	35	,	,	PUNCT
easat-7592	312	36	pp	pp	ADJ
easat-7592	312	37	.	.	PUNCT
easat-7592	313	1	61	61	NUM
easat-7592	313	2	-	-	SYM
easat-7592	313	3	77	77	NUM
easat-7592	313	4	,	,	PUNCT
easat-7592	313	5	2011	2011	NUM
easat-7592	313	6	.	.	PUNCT
easat-7592	314	1	https://doi.org/10.1177/0973703020110103	https://doi.org/10.1177/0973703020110103	X
easat-7592	315	1	[	[	X
easat-7592	315	2	6	6	NUM
easat-7592	315	3	]	]	PUNCT
easat-7592	315	4	r.	r.	PROPN
easat-7592	315	5	e.	e.	PROPN
easat-7592	315	6	carpenter	carpenter	PROPN
easat-7592	315	7	and	and	CCONJ
easat-7592	315	8	b.	b.	PROPN
easat-7592	315	9	c.	c.	PROPN
easat-7592	315	10	petersen	petersen	PROPN
easat-7592	315	11	,	,	PUNCT
easat-7592	315	12	"	"	PUNCT
easat-7592	315	13	is	be	AUX
easat-7592	315	14	the	the	DET
easat-7592	315	15	growth	growth	NOUN
easat-7592	315	16	of	of	ADP
easat-7592	315	17	small	small	ADJ
easat-7592	315	18	firms	firm	NOUN
easat-7592	315	19	constrained	constrain	VERB
easat-7592	315	20	by	by	ADP
easat-7592	315	21	internal	internal	ADJ
easat-7592	315	22	finance	finance	NOUN
easat-7592	315	23	?	?	PUNCT
easat-7592	315	24	,	,	PUNCT
easat-7592	315	25	"	"	PUNCT
easat-7592	315	26	review	review	NOUN
easat-7592	315	27	of	of	ADP
easat-7592	315	28	economics	economic	NOUN
easat-7592	315	29	and	and	CCONJ
easat-7592	315	30	statistics	statistic	NOUN
easat-7592	315	31	,	,	PUNCT
easat-7592	315	32	vol	vol	NOUN
easat-7592	315	33	.	.	PROPN
easat-7592	315	34	84	84	NUM
easat-7592	315	35	,	,	PUNCT
easat-7592	315	36	no	no	INTJ
easat-7592	315	37	.	.	NOUN
easat-7592	315	38	2	2	NUM
easat-7592	315	39	,	,	PUNCT
easat-7592	315	40	pp	pp	ADJ
easat-7592	315	41	.	.	PUNCT
easat-7592	316	1	298	298	NUM
easat-7592	316	2	-	-	SYM
easat-7592	316	3	309	309	NUM
easat-7592	316	4	,	,	PUNCT
easat-7592	316	5	2002	2002	NUM
easat-7592	316	6	.	.	PUNCT
easat-7592	317	1	[	[	X
easat-7592	317	2	7	7	X
easat-7592	317	3	]	]	X
easat-7592	317	4	t.	t.	PROPN
easat-7592	317	5	beck	beck	PROPN
easat-7592	317	6	,	,	PUNCT
easat-7592	317	7	a.	a.	PROPN
easat-7592	317	8	demirgüç	demirgüç	PROPN
easat-7592	317	9	-	-	PUNCT
easat-7592	317	10	kunt	kunt	PROPN
easat-7592	317	11	,	,	PUNCT
easat-7592	317	12	and	and	CCONJ
easat-7592	317	13	p.	p.	NOUN
easat-7592	317	14	honohan	honohan	NOUN
easat-7592	317	15	,	,	PUNCT
easat-7592	317	16	"	"	PUNCT
easat-7592	317	17	access	access	NOUN
easat-7592	317	18	to	to	ADP
easat-7592	317	19	financial	financial	ADJ
easat-7592	317	20	services	service	NOUN
easat-7592	317	21	:	:	PUNCT
easat-7592	317	22	measurement	measurement	NOUN
easat-7592	317	23	,	,	PUNCT
easat-7592	317	24	impact	impact	NOUN
easat-7592	317	25	,	,	PUNCT
easat-7592	317	26	and	and	CCONJ
easat-7592	317	27	policies	policy	NOUN
easat-7592	317	28	,	,	PUNCT
easat-7592	317	29	"	"	PUNCT
easat-7592	317	30	the	the	DET
easat-7592	317	31	world	world	PROPN
easat-7592	317	32	bank	bank	PROPN
easat-7592	317	33	research	research	PROPN
easat-7592	317	34	observer	observer	PROPN
easat-7592	317	35	,	,	PUNCT
easat-7592	317	36	pp	pp	PROPN
easat-7592	317	37	.	.	PUNCT
easat-7592	318	1	119	119	NUM
easat-7592	318	2	-	-	SYM
easat-7592	318	3	145	145	NUM
easat-7592	318	4	,	,	PUNCT
easat-7592	318	5	2009	2009	NUM
easat-7592	318	6	.	.	PUNCT
easat-7592	319	1	https://doi.org/10.1093/wbro/lkn008	https://doi.org/10.1093/wbro/lkn008	NOUN
easat-7592	319	2	[	[	X
easat-7592	319	3	8	8	NUM
easat-7592	319	4	]	]	X
easat-7592	319	5	o.	o.	NOUN
easat-7592	319	6	okoroafor	okoroafor	PROPN
easat-7592	319	7	,	,	PUNCT
easat-7592	319	8	s.	s.	PROPN
easat-7592	319	9	magaji	magaji	PROPN
easat-7592	319	10	,	,	PUNCT
easat-7592	319	11	and	and	CCONJ
easat-7592	319	12	j.	j.	PROPN
easat-7592	319	13	eze	eze	PROPN
easat-7592	319	14	,	,	PUNCT
easat-7592	319	15	"	"	PUNCT
easat-7592	319	16	impact	impact	NOUN
easat-7592	319	17	of	of	ADP
easat-7592	319	18	deposit	deposit	NOUN
easat-7592	319	19	money	money	NOUN
easat-7592	319	20	banks	bank	NOUN
easat-7592	319	21	on	on	ADP
easat-7592	319	22	capital	capital	NOUN
easat-7592	319	23	formation	formation	NOUN
easat-7592	319	24	in	in	ADP
easat-7592	319	25	nigeria	nigeria	PRON
easat-7592	319	26	:	:	PUNCT
easat-7592	319	27	1980	1980	NUM
easat-7592	319	28	-	-	SYM
easat-7592	319	29	2015	2015	NUM
easat-7592	319	30	,	,	PUNCT
easat-7592	319	31	"	"	PUNCT
easat-7592	319	32	international	international	ADJ
easat-7592	319	33	journal	journal	NOUN
easat-7592	319	34	of	of	ADP
easat-7592	319	35	current	current	ADJ
easat-7592	319	36	research	research	NOUN
easat-7592	319	37	in	in	ADP
easat-7592	319	38	life	life	NOUN
easat-7592	319	39	sciences	science	NOUN
easat-7592	319	40	,	,	PUNCT
easat-7592	319	41	vol	vol	NOUN
easat-7592	319	42	.	.	PROPN
easat-7592	320	1	7	7	NUM
easat-7592	320	2	,	,	PUNCT
easat-7592	320	3	no	no	INTJ
easat-7592	320	4	.	.	NOUN
easat-7592	320	5	08	08	NUM
easat-7592	320	6	,	,	PUNCT
easat-7592	320	7	pp	pp	ADJ
easat-7592	320	8	.	.	PUNCT
easat-7592	321	1	2570	2570	NUM
easat-7592	321	2	-	-	SYM
easat-7592	321	3	2577	2577	NUM
easat-7592	321	4	,	,	PUNCT
easat-7592	321	5	2018	2018	NUM
easat-7592	321	6	.	.	PUNCT
easat-7592	322	1	https://doi.org/10.21511/bbs.13(2).2018.05	https://doi.org/10.21511/bbs.13(2).2018.05	PUNCT
easat-7592	323	1	[	[	X
easat-7592	323	2	9	9	NUM
easat-7592	323	3	]	]	X
easat-7592	323	4	m.	m.	NOUN
easat-7592	323	5	sarma	sarma	PROPN
easat-7592	323	6	and	and	CCONJ
easat-7592	323	7	j.	j.	PROPN
easat-7592	323	8	pais	pais	PROPN
easat-7592	323	9	,	,	PUNCT
easat-7592	323	10	"	"	PUNCT
easat-7592	323	11	financial	financial	ADJ
easat-7592	323	12	inclusion	inclusion	NOUN
easat-7592	323	13	and	and	CCONJ
easat-7592	323	14	development	development	NOUN
easat-7592	323	15	,	,	PUNCT
easat-7592	323	16	"	"	PUNCT
easat-7592	323	17	journal	journal	NOUN
easat-7592	323	18	of	of	ADP
easat-7592	323	19	international	international	ADJ
easat-7592	323	20	development	development	NOUN
easat-7592	323	21	,	,	PUNCT
easat-7592	323	22	vol	vol	NOUN
easat-7592	323	23	.	.	PROPN
easat-7592	323	24	23	23	NUM
easat-7592	323	25	,	,	PUNCT
easat-7592	323	26	no	no	INTJ
easat-7592	323	27	.	.	NOUN
easat-7592	323	28	5	5	NUM
easat-7592	323	29	,	,	PUNCT
easat-7592	323	30	pp	pp	ADJ
easat-7592	323	31	.	.	PUNCT
easat-7592	324	1	613	613	NUM
easat-7592	324	2	-	-	SYM
easat-7592	324	3	628	628	NUM
easat-7592	324	4	,	,	PUNCT
easat-7592	324	5	2011	2011	NUM
easat-7592	324	6	.	.	PUNCT
easat-7592	325	1	https://doi.org/10.1002/jid.1698	https://doi.org/10.1002/jid.1698	PROPN
easat-7592	325	2	[	[	X
easat-7592	325	3	10	10	NUM
easat-7592	325	4	]	]	X
easat-7592	325	5	f.	f.	PROPN
easat-7592	325	6	allen	allen	PROPN
easat-7592	325	7	,	,	PUNCT
easat-7592	325	8	e.	e.	PROPN
easat-7592	325	9	carletti	carletti	PROPN
easat-7592	325	10	,	,	PUNCT
easat-7592	325	11	r.	r.	PROPN
easat-7592	325	12	cull	cull	PROPN
easat-7592	325	13	,	,	PUNCT
easat-7592	325	14	j.	j.	PROPN
easat-7592	325	15	q.	q.	PROPN
easat-7592	325	16	qian	qian	PROPN
easat-7592	325	17	,	,	PUNCT
easat-7592	325	18	l.	l.	PROPN
easat-7592	325	19	senbet	senbet	PROPN
easat-7592	325	20	,	,	PUNCT
easat-7592	325	21	and	and	CCONJ
easat-7592	325	22	p.	p.	PROPN
easat-7592	325	23	valenzuela	valenzuela	PROPN
easat-7592	325	24	,	,	PUNCT
easat-7592	325	25	"	"	PUNCT
easat-7592	325	26	the	the	DET
easat-7592	325	27	african	african	ADJ
easat-7592	325	28	financial	financial	ADJ
easat-7592	325	29	development	development	NOUN
easat-7592	325	30	and	and	CCONJ
easat-7592	325	31	financial	financial	ADJ
easat-7592	325	32	inclusion	inclusion	NOUN
easat-7592	325	33	gaps	gap	NOUN
easat-7592	325	34	,	,	PUNCT
easat-7592	325	35	"	"	PUNCT
easat-7592	325	36	journal	journal	NOUN
easat-7592	325	37	of	of	ADP
easat-7592	325	38	african	african	ADJ
easat-7592	325	39	economies	economy	NOUN
easat-7592	325	40	,	,	PUNCT
easat-7592	325	41	vol	vol	NOUN
easat-7592	325	42	.	.	PROPN
easat-7592	325	43	23	23	NUM
easat-7592	325	44	,	,	PUNCT
easat-7592	325	45	no	no	INTJ
easat-7592	325	46	.	.	NOUN
easat-7592	325	47	5	5	NUM
easat-7592	325	48	,	,	PUNCT
easat-7592	325	49	pp	pp	ADJ
easat-7592	325	50	.	.	PUNCT
easat-7592	326	1	614	614	NUM
easat-7592	326	2	-	-	SYM
easat-7592	326	3	642	642	NUM
easat-7592	326	4	,	,	PUNCT
easat-7592	326	5	2014	2014	NUM
easat-7592	326	6	.	.	PUNCT
easat-7592	327	1	https://doi.org/10.1093/jae/eju015	https://doi.org/10.1093/jae/eju015	NOUN
easat-7592	327	2	[	[	X
easat-7592	327	3	11	11	NUM
easat-7592	327	4	]	]	X
easat-7592	327	5	c.	c.	PROPN
easat-7592	327	6	g.	g.	PROPN
easat-7592	327	7	turvey	turvey	PROPN
easat-7592	327	8	and	and	CCONJ
easat-7592	327	9	r.	r.	PROPN
easat-7592	327	10	kong	kong	PROPN
easat-7592	327	11	,	,	PUNCT
easat-7592	327	12	"	"	PUNCT
easat-7592	327	13	informal	informal	ADJ
easat-7592	327	14	lending	lending	NOUN
easat-7592	327	15	amongst	amongst	ADP
easat-7592	327	16	friends	friend	NOUN
easat-7592	327	17	and	and	CCONJ
easat-7592	327	18	relatives	relative	NOUN
easat-7592	327	19	:	:	PUNCT
easat-7592	327	20	can	can	AUX
easat-7592	327	21	microcredit	microcredit	VERB
easat-7592	327	22	compete	compete	VERB
easat-7592	327	23	in	in	ADP
easat-7592	327	24	rural	rural	ADJ
easat-7592	327	25	china	china	PROPN
easat-7592	327	26	?	?	PUNCT
easat-7592	327	27	,	,	PUNCT
easat-7592	327	28	"	"	PUNCT
easat-7592	327	29	china	china	PROPN
easat-7592	327	30	economic	economic	PROPN
easat-7592	327	31	review	review	PROPN
easat-7592	327	32	,	,	PUNCT
easat-7592	327	33	vol	vol	NOUN
easat-7592	327	34	.	.	PROPN
easat-7592	327	35	21	21	NUM
easat-7592	327	36	,	,	PUNCT
easat-7592	327	37	no	no	INTJ
easat-7592	327	38	.	.	NOUN
easat-7592	327	39	4	4	NUM
easat-7592	327	40	,	,	PUNCT
easat-7592	327	41	pp	pp	ADJ
easat-7592	327	42	.	.	PUNCT
easat-7592	328	1	544	544	NUM
easat-7592	328	2	-	-	SYM
easat-7592	328	3	556	556	NUM
easat-7592	328	4	,	,	PUNCT
easat-7592	328	5	2010	2010	NUM
easat-7592	328	6	.	.	PUNCT
easat-7592	329	1	https://doi.org/10.1016/j.chieco.2010.05.001	https://doi.org/10.1016/j.chieco.2010.05.001	NOUN
easat-7592	329	2	[	[	X
easat-7592	329	3	12	12	NUM
easat-7592	329	4	]	]	X
easat-7592	329	5	d.	d.	PROPN
easat-7592	329	6	karlan	karlan	PROPN
easat-7592	329	7	and	and	CCONJ
easat-7592	329	8	j.	j.	PROPN
easat-7592	329	9	zinman	zinman	PROPN
easat-7592	329	10	,	,	PUNCT
easat-7592	329	11	"	"	PUNCT
easat-7592	329	12	observing	observe	VERB
easat-7592	329	13	unobservables	unobservable	NOUN
easat-7592	329	14	:	:	PUNCT
easat-7592	329	15	identifying	identify	VERB
easat-7592	329	16	information	information	NOUN
easat-7592	329	17	asymmetries	asymmetry	NOUN
easat-7592	329	18	with	with	ADP
easat-7592	329	19	a	a	DET
easat-7592	329	20	consumer	consumer	NOUN
easat-7592	329	21	credit	credit	NOUN
easat-7592	329	22	field	field	NOUN
easat-7592	329	23	experiment	experiment	NOUN
easat-7592	329	24	,	,	PUNCT
easat-7592	329	25	"	"	PUNCT
easat-7592	329	26	econometrica	econometrica	PROPN
easat-7592	329	27	,	,	PUNCT
easat-7592	329	28	vol	vol	NOUN
easat-7592	329	29	.	.	PROPN
easat-7592	330	1	77	77	NUM
easat-7592	330	2	,	,	PUNCT
easat-7592	330	3	no	no	INTJ
easat-7592	330	4	.	.	NOUN
easat-7592	330	5	6	6	NUM
easat-7592	330	6	,	,	PUNCT
easat-7592	330	7	pp	pp	ADJ
easat-7592	330	8	.	.	PUNCT
easat-7592	331	1	1993–2008	1993–2008	NUM
easat-7592	331	2	,	,	PUNCT
easat-7592	331	3	2009	2009	NUM
easat-7592	331	4	.	.	PUNCT
easat-7592	332	1	https://doi.org/10.3982/ecta5781	https://doi.org/10.3982/ecta5781	NOUN
easat-7592	333	1	[	[	X
easat-7592	333	2	13	13	NUM
easat-7592	333	3	]	]	PUNCT
easat-7592	333	4	k.	k.	PROPN
easat-7592	333	5	hoff	hoff	PROPN
easat-7592	333	6	,	,	PUNCT
easat-7592	333	7	a.	a.	NOUN
easat-7592	333	8	braverman	braverman	NOUN
easat-7592	333	9	,	,	PUNCT
easat-7592	333	10	and	and	CCONJ
easat-7592	333	11	j.	j.	PROPN
easat-7592	333	12	e.	e.	PROPN
easat-7592	333	13	stiglitz	stiglitz	PROPN
easat-7592	333	14	,	,	PUNCT
easat-7592	333	15	the	the	DET
easat-7592	333	16	economics	economic	NOUN
easat-7592	333	17	of	of	ADP
easat-7592	333	18	rural	rural	ADJ
easat-7592	333	19	organization	organization	NOUN
easat-7592	333	20	.	.	PUNCT
easat-7592	334	1	oxford	oxford	NOUN
easat-7592	334	2	:	:	PUNCT
easat-7592	334	3	oxford	oxford	PROPN
easat-7592	334	4	university	university	PROPN
easat-7592	334	5	press	press	NOUN
easat-7592	334	6	,	,	PUNCT
easat-7592	334	7	1993	1993	NUM
easat-7592	334	8	.	.	PUNCT
easat-7592	335	1	[	[	X
easat-7592	335	2	14	14	NUM
easat-7592	335	3	]	]	PUNCT
easat-7592	335	4	p.	p.	NOUN
easat-7592	335	5	honohan	honohan	NOUN
easat-7592	335	6	,	,	PUNCT
easat-7592	335	7	"	"	PUNCT
easat-7592	335	8	cross	cross	ADJ
easat-7592	335	9	-	-	ADJ
easat-7592	335	10	country	country	ADJ
easat-7592	335	11	variation	variation	NOUN
easat-7592	335	12	in	in	ADP
easat-7592	335	13	household	household	NOUN
easat-7592	335	14	access	access	NOUN
easat-7592	335	15	to	to	ADP
easat-7592	335	16	financial	financial	ADJ
easat-7592	335	17	services	service	NOUN
easat-7592	335	18	,	,	PUNCT
easat-7592	335	19	"	"	PUNCT
easat-7592	335	20	journal	journal	NOUN
easat-7592	335	21	of	of	ADP
easat-7592	335	22	banking	banking	NOUN
easat-7592	335	23	&	&	CCONJ
easat-7592	335	24	finance	finance	PROPN
easat-7592	335	25	,	,	PUNCT
easat-7592	335	26	vol	vol	NOUN
easat-7592	335	27	.	.	PROPN
easat-7592	335	28	32	32	NUM
easat-7592	335	29	,	,	PUNCT
easat-7592	335	30	no	no	INTJ
easat-7592	335	31	.	.	NOUN
easat-7592	335	32	11	11	NUM
easat-7592	335	33	,	,	PUNCT
easat-7592	335	34	pp	pp	ADJ
easat-7592	335	35	.	.	PUNCT
easat-7592	336	1	2493	2493	NUM
easat-7592	336	2	-	-	SYM
easat-7592	336	3	2500	2500	NUM
easat-7592	336	4	,	,	PUNCT
easat-7592	336	5	2008	2008	NUM
easat-7592	336	6	.	.	PUNCT
easat-7592	337	1	https://doi.org/10.1016/j.jbankfin.2008.05.004	https://doi.org/10.1016/j.jbankfin.2008.05.004	PUNCT
easat-7592	337	2	[	[	X
easat-7592	337	3	15	15	NUM
easat-7592	337	4	]	]	X
easat-7592	337	5	s.	s.	PROPN
easat-7592	337	6	r.	r.	PROPN
easat-7592	337	7	chakravarty	chakravarty	PROPN
easat-7592	337	8	and	and	CCONJ
easat-7592	337	9	r.	r.	PROPN
easat-7592	337	10	pal	pal	PROPN
easat-7592	337	11	,	,	PUNCT
easat-7592	337	12	"	"	PUNCT
easat-7592	337	13	financial	financial	ADJ
easat-7592	337	14	inclusion	inclusion	NOUN
easat-7592	337	15	in	in	ADP
easat-7592	337	16	india	india	PROPN
easat-7592	337	17	:	:	PUNCT
easat-7592	337	18	an	an	DET
easat-7592	337	19	axiomatic	axiomatic	ADJ
easat-7592	337	20	approach	approach	NOUN
easat-7592	337	21	,	,	PUNCT
easat-7592	337	22	"	"	PUNCT
easat-7592	337	23	journal	journal	NOUN
easat-7592	337	24	of	of	ADP
easat-7592	337	25	policy	policy	NOUN
easat-7592	337	26	modeling	modeling	NOUN
easat-7592	337	27	,	,	PUNCT
easat-7592	337	28	vol	vol	NOUN
easat-7592	337	29	.	.	PROPN
easat-7592	337	30	35	35	NUM
easat-7592	337	31	,	,	PUNCT
easat-7592	337	32	no	no	INTJ
easat-7592	337	33	.	.	NOUN
easat-7592	337	34	5	5	NUM
easat-7592	337	35	,	,	PUNCT
easat-7592	337	36	pp	pp	ADJ
easat-7592	337	37	.	.	PUNCT
easat-7592	338	1	813	813	NUM
easat-7592	338	2	-	-	SYM
easat-7592	338	3	837	837	NUM
easat-7592	338	4	,	,	PUNCT
easat-7592	338	5	2013	2013	NUM
easat-7592	338	6	.	.	PUNCT
easat-7592	339	1	https://doi.org/10.1016/j.jpolmod.2012.12.007	https://doi.org/10.1016/j.jpolmod.2012.12.007	PROPN
easat-7592	339	2	[	[	X
easat-7592	339	3	16	16	NUM
easat-7592	339	4	]	]	PUNCT
easat-7592	339	5	t.	t.	PROPN
easat-7592	339	6	nair	nair	PROPN
easat-7592	339	7	and	and	CCONJ
easat-7592	339	8	a.	a.	NOUN
easat-7592	339	9	tankha	tankha	PROPN
easat-7592	339	10	,	,	PUNCT
easat-7592	339	11	"	"	PUNCT
easat-7592	339	12	inclusive	inclusive	ADJ
easat-7592	339	13	finance	finance	NOUN
easat-7592	339	14	,	,	PUNCT
easat-7592	339	15	"	"	PUNCT
easat-7592	339	16	india	india	PROPN
easat-7592	339	17	report	report	PROPN
easat-7592	339	18	,	,	PUNCT
easat-7592	339	19	2014	2014	NUM
easat-7592	339	20	.	.	PUNCT
easat-7592	340	1	[	[	X
easat-7592	340	2	17	17	NUM
easat-7592	340	3	]	]	X
easat-7592	340	4	o.	o.	PROPN
easat-7592	340	5	akinci	akinci	PROPN
easat-7592	340	6	and	and	CCONJ
easat-7592	340	7	j.	j.	PROPN
easat-7592	340	8	olmstead	olmstead	PROPN
easat-7592	340	9	-	-	PUNCT
easat-7592	340	10	rumsey	rumsey	NOUN
easat-7592	340	11	,	,	PUNCT
easat-7592	340	12	"	"	PUNCT
easat-7592	340	13	how	how	SCONJ
easat-7592	340	14	effective	effective	ADJ
easat-7592	340	15	are	be	AUX
easat-7592	340	16	macroprudential	macroprudential	ADJ
easat-7592	340	17	policies	policy	NOUN
easat-7592	340	18	?	?	PUNCT
easat-7592	341	1	an	an	DET
easat-7592	341	2	empirical	empirical	ADJ
easat-7592	341	3	investigation	investigation	NOUN
easat-7592	341	4	,	,	PUNCT
easat-7592	341	5	"	"	PUNCT
easat-7592	341	6	journal	journal	NOUN
easat-7592	341	7	of	of	ADP
easat-7592	341	8	financial	financial	ADJ
easat-7592	341	9	intermediation	intermediation	NOUN
easat-7592	341	10	,	,	PUNCT
easat-7592	341	11	vol	vol	NOUN
easat-7592	341	12	.	.	PROPN
easat-7592	341	13	33	33	NUM
easat-7592	341	14	,	,	PUNCT
easat-7592	341	15	pp	pp	ADJ
easat-7592	341	16	.	.	PUNCT
easat-7592	342	1	33	33	NUM
easat-7592	342	2	-	-	SYM
easat-7592	342	3	57	57	NUM
easat-7592	342	4	,	,	PUNCT
easat-7592	342	5	2018	2018	NUM
easat-7592	342	6	.	.	PUNCT
easat-7592	343	1	https://doi.org/10.1016/j.jfi.2017.04.001	https://doi.org/10.1016/j.jfi.2017.04.001	NOUN
easat-7592	344	1	[	[	X
easat-7592	344	2	18	18	NUM
easat-7592	344	3	]	]	X
easat-7592	344	4	l.	l.	PROPN
easat-7592	344	5	chu	chu	PROPN
easat-7592	344	6	khanh	khanh	PROPN
easat-7592	344	7	and	and	CCONJ
easat-7592	344	8	h.	h.	PROPN
easat-7592	344	9	chu	chu	PROPN
easat-7592	344	10	,	,	PUNCT
easat-7592	344	11	"	"	PUNCT
easat-7592	344	12	effect	effect	NOUN
easat-7592	344	13	of	of	ADP
easat-7592	344	14	financial	financial	ADJ
easat-7592	344	15	inclusion	inclusion	NOUN
easat-7592	344	16	on	on	ADP
easat-7592	344	17	income	income	NOUN
easat-7592	344	18	inequality	inequality	NOUN
easat-7592	344	19	:	:	PUNCT
easat-7592	344	20	evidence	evidence	NOUN
easat-7592	344	21	from	from	ADP
easat-7592	344	22	cross	cross	ADJ
easat-7592	344	23	-	-	ADJ
easat-7592	344	24	country	country	ADJ
easat-7592	344	25	analysis	analysis	NOUN
easat-7592	344	26	,	,	PUNCT
easat-7592	344	27	"	"	PUNCT
easat-7592	344	28	hung	hung	NOUN
easat-7592	344	29	,	,	PUNCT
easat-7592	344	30	effect	effect	NOUN
easat-7592	344	31	of	of	ADP
easat-7592	344	32	financial	financial	ADJ
easat-7592	344	33	inclusion	inclusion	NOUN
easat-7592	344	34	on	on	ADP
easat-7592	344	35	income	income	NOUN
easat-7592	344	36	inequality	inequality	NOUN
easat-7592	344	37	:	:	PUNCT
easat-7592	344	38	evidence	evidence	NOUN
easat-7592	344	39	from	from	ADP
easat-7592	344	40	cross	cross	ADJ
easat-7592	344	41	-	-	ADJ
easat-7592	344	42	country	country	ADJ
easat-7592	344	43	analysis	analysis	NOUN
easat-7592	344	44	(	(	PUNCT
easat-7592	344	45	december	december	PROPN
easat-7592	344	46	30	30	NUM
easat-7592	344	47	,	,	PUNCT
easat-7592	344	48	2018	2018	NUM
easat-7592	344	49	)	)	PUNCT
easat-7592	344	50	,	,	PUNCT
easat-7592	344	51	2018	2018	NUM
easat-7592	344	52	.	.	PUNCT
easat-7592	345	1	https://doi.org/10.2139/ssrn.3308044	https://doi.org/10.2139/ssrn.3308044	PROPN
easat-7592	346	1	[	[	X
easat-7592	346	2	19	19	NUM
easat-7592	346	3	]	]	PUNCT
easat-7592	346	4	p.	p.	NOUN
easat-7592	346	5	o.	o.	PROPN
easat-7592	346	6	asuming	asuming	PROPN
easat-7592	346	7	,	,	PUNCT
easat-7592	346	8	l.	l.	PROPN
easat-7592	346	9	g.	g.	PROPN
easat-7592	346	10	osei	osei	PROPN
easat-7592	346	11	-	-	PUNCT
easat-7592	346	12	agyei	agyei	PROPN
easat-7592	346	13	,	,	PUNCT
easat-7592	346	14	and	and	CCONJ
easat-7592	346	15	j.	j.	PROPN
easat-7592	346	16	i.	i.	PROPN
easat-7592	346	17	mohammed	mohammed	PROPN
easat-7592	346	18	,	,	PUNCT
easat-7592	346	19	"	"	PUNCT
easat-7592	346	20	financial	financial	ADJ
easat-7592	346	21	inclusion	inclusion	NOUN
easat-7592	346	22	in	in	ADP
easat-7592	346	23	sub	sub	ADJ
easat-7592	346	24	-	-	ADJ
easat-7592	346	25	saharan	saharan	ADJ
easat-7592	346	26	africa	africa	PROPN
easat-7592	346	27	:	:	PUNCT
easat-7592	346	28	recent	recent	ADJ
easat-7592	346	29	trends	trend	NOUN
easat-7592	346	30	and	and	CCONJ
easat-7592	346	31	determinants	determinant	NOUN
easat-7592	346	32	,	,	PUNCT
easat-7592	346	33	"	"	PUNCT
easat-7592	346	34	journal	journal	NOUN
easat-7592	346	35	of	of	ADP
easat-7592	346	36	african	african	ADJ
easat-7592	346	37	business	business	NOUN
easat-7592	346	38	,	,	PUNCT
easat-7592	346	39	vol	vol	NOUN
easat-7592	346	40	.	.	PROPN
easat-7592	346	41	20	20	NUM
easat-7592	346	42	,	,	PUNCT
easat-7592	346	43	no	no	INTJ
easat-7592	346	44	.	.	NOUN
easat-7592	346	45	1	1	NUM
easat-7592	346	46	,	,	PUNCT
easat-7592	346	47	pp	pp	ADJ
easat-7592	346	48	.	.	PUNCT
easat-7592	347	1	112	112	NUM
easat-7592	347	2	-	-	SYM
easat-7592	347	3	134	134	NUM
easat-7592	347	4	,	,	PUNCT
easat-7592	347	5	2019	2019	NUM
easat-7592	347	6	.	.	PUNCT
easat-7592	348	1	https://doi.org/10.1080/15228916.2018.1484209	https://doi.org/10.1080/15228916.2018.1484209	VERB
easat-7592	349	1	[	[	X
easat-7592	349	2	20	20	NUM
easat-7592	349	3	]	]	PUNCT
easat-7592	349	4	k.	k.	PROPN
easat-7592	349	5	tambunlertchai	tambunlertchai	PROPN
easat-7592	349	6	,	,	PUNCT
easat-7592	349	7	"	"	PUNCT
easat-7592	349	8	determinants	determinant	NOUN
easat-7592	349	9	and	and	CCONJ
easat-7592	349	10	barriers	barrier	NOUN
easat-7592	349	11	to	to	ADP
easat-7592	349	12	financial	financial	ADJ
easat-7592	349	13	inclusion	inclusion	NOUN
easat-7592	349	14	in	in	ADP
easat-7592	349	15	myanmar	myanmar	PROPN
easat-7592	349	16	:	:	PUNCT
easat-7592	349	17	what	what	PRON
easat-7592	349	18	determines	determine	VERB
easat-7592	349	19	access	access	NOUN
easat-7592	349	20	to	to	ADP
easat-7592	349	21	financial	financial	ADJ
easat-7592	349	22	services	service	NOUN
easat-7592	349	23	and	and	CCONJ
easat-7592	349	24	what	what	PRON
easat-7592	349	25	hinders	hinder	VERB
easat-7592	349	26	it	it	PRON
easat-7592	349	27	?	?	PUNCT
easat-7592	349	28	,	,	PUNCT
easat-7592	349	29	"	"	PUNCT
easat-7592	349	30	the	the	DET
easat-7592	349	31	singapore	singapore	PROPN
easat-7592	349	32	economic	economic	PROPN
easat-7592	349	33	review	review	PROPN
easat-7592	349	34	,	,	PUNCT
easat-7592	349	35	vol	vol	NOUN
easat-7592	349	36	.	.	PROPN
easat-7592	349	37	63	63	NUM
easat-7592	349	38	,	,	PUNCT
easat-7592	349	39	no	no	INTJ
easat-7592	349	40	.	.	NOUN
easat-7592	349	41	01	01	NUM
easat-7592	349	42	,	,	PUNCT
easat-7592	349	43	pp	pp	ADJ
easat-7592	349	44	.	.	PUNCT
easat-7592	350	1	9	9	NUM
easat-7592	350	2	-	-	SYM
easat-7592	350	3	26	26	NUM
easat-7592	350	4	,	,	PUNCT
easat-7592	350	5	2018	2018	NUM
easat-7592	350	6	.	.	PUNCT
easat-7592	351	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7592	351	2	https://doi.org/10.1177/0973703020110103	https://doi.org/10.1177/0973703020110103	X
easat-7592	351	3	https://doi.org/10.1093/wbro/lkn008	https://doi.org/10.1093/wbro/lkn008	NOUN
easat-7592	351	4	https://doi.org/10.21511/bbs.13(2).2018.05	https://doi.org/10.21511/bbs.13(2).2018.05	PROPN
easat-7592	351	5	https://doi.org/10.1002/jid.1698	https://doi.org/10.1002/jid.1698	PROPN
easat-7592	351	6	https://doi.org/10.1093/jae/eju015	https://doi.org/10.1093/jae/eju015	PROPN
easat-7592	351	7	https://doi.org/10.1016/j.chieco.2010.05.001	https://doi.org/10.1016/j.chieco.2010.05.001	NOUN
easat-7592	351	8	https://doi.org/10.3982/ecta5781	https://doi.org/10.3982/ecta5781	NOUN
easat-7592	351	9	https://doi.org/10.1016/j.jbankfin.2008.05.004	https://doi.org/10.1016/j.jbankfin.2008.05.004	PROPN
easat-7592	351	10	https://doi.org/10.1016/j.jpolmod.2012.12.007	https://doi.org/10.1016/j.jpolmod.2012.12.007	PROPN
easat-7592	351	11	https://doi.org/10.1016/j.jfi.2017.04.001	https://doi.org/10.1016/j.jfi.2017.04.001	PROPN
easat-7592	351	12	https://doi.org/10.2139/ssrn.3308044	https://doi.org/10.2139/ssrn.3308044	PROPN
easat-7592	351	13	https://doi.org/10.1080/15228916.2018.1484209	https://doi.org/10.1080/15228916.2018.1484209	PROPN
easat-7592	351	14	2815	2815	NUM
easat-7592	351	15	edelweiss	edelweiss	PROPN
easat-7592	351	16	applied	apply	VERB
easat-7592	351	17	science	science	NOUN
easat-7592	351	18	and	and	CCONJ
easat-7592	351	19	technology	technology	NOUN
easat-7592	351	20	issn	issn	PROPN
easat-7592	351	21	:	:	PUNCT
easat-7592	351	22	2576	2576	NUM
easat-7592	351	23	-	-	SYM
easat-7592	351	24	8484	8484	NUM
easat-7592	351	25	vol	vol	NOUN
easat-7592	351	26	.	.	PROPN
easat-7592	352	1	9	9	NUM
easat-7592	352	2	,	,	PUNCT
easat-7592	352	3	no	no	INTJ
easat-7592	352	4	.	.	NOUN
easat-7592	352	5	5	5	NUM
easat-7592	352	6	:	:	SYM
easat-7592	352	7	2801	2801	NUM
easat-7592	352	8	-	-	SYM
easat-7592	352	9	2815	2815	NUM
easat-7592	352	10	,	,	PUNCT
easat-7592	352	11	2025	2025	NUM
easat-7592	352	12	doi	doi	NOUN
easat-7592	352	13	:	:	PUNCT
easat-7592	352	14	10.55214/25768484.v9i5.7592	10.55214/25768484.v9i5.7592	NUM
easat-7592	352	15	©	©	PROPN
easat-7592	352	16	2025	2025	NUM
easat-7592	352	17	by	by	ADP
easat-7592	352	18	the	the	DET
easat-7592	352	19	author	author	NOUN
easat-7592	352	20	;	;	PUNCT
easat-7592	352	21	licensee	licensee	PROPN
easat-7592	352	22	learning	learning	NOUN
easat-7592	352	23	gate	gate	NOUN
easat-7592	352	24	[	[	X
easat-7592	352	25	21	21	NUM
easat-7592	352	26	]	]	PUNCT
easat-7592	352	27	m.	m.	NOUN
easat-7592	352	28	andrianaivo	andrianaivo	NOUN
easat-7592	352	29	and	and	CCONJ
easat-7592	352	30	k.	k.	PROPN
easat-7592	352	31	kpodar	kpodar	PROPN
easat-7592	352	32	,	,	PUNCT
easat-7592	352	33	ict	ict	PROPN
easat-7592	352	34	,	,	PUNCT
easat-7592	352	35	financial	financial	ADJ
easat-7592	352	36	inclusion	inclusion	NOUN
easat-7592	352	37	,	,	PUNCT
easat-7592	352	38	and	and	CCONJ
easat-7592	352	39	growth	growth	NOUN
easat-7592	352	40	:	:	PUNCT
easat-7592	352	41	evidence	evidence	NOUN
easat-7592	352	42	from	from	ADP
easat-7592	352	43	african	african	ADJ
easat-7592	352	44	countries	country	NOUN
easat-7592	352	45	.	.	PUNCT
easat-7592	353	1	washington	washington	PROPN
easat-7592	353	2	,	,	PUNCT
easat-7592	353	3	dc	dc	PROPN
easat-7592	353	4	:	:	PUNCT
easat-7592	353	5	international	international	ADJ
easat-7592	353	6	monetary	monetary	ADJ
easat-7592	353	7	fund	fund	NOUN
easat-7592	353	8	,	,	PUNCT
easat-7592	353	9	2011	2011	NUM
easat-7592	353	10	.	.	PUNCT
easat-7592	354	1	[	[	X
easat-7592	354	2	22	22	NUM
easat-7592	354	3	]	]	X
easat-7592	354	4	o.	o.	PROPN
easat-7592	354	5	evans	evans	PROPN
easat-7592	354	6	,	,	PUNCT
easat-7592	354	7	"	"	PUNCT
easat-7592	354	8	determinants	determinant	NOUN
easat-7592	354	9	of	of	ADP
easat-7592	354	10	financial	financial	ADJ
easat-7592	354	11	inclusion	inclusion	NOUN
easat-7592	354	12	in	in	ADP
easat-7592	354	13	africa	africa	PROPN
easat-7592	354	14	:	:	PUNCT
easat-7592	354	15	a	a	DET
easat-7592	354	16	dynamic	dynamic	ADJ
easat-7592	354	17	panel	panel	NOUN
easat-7592	354	18	data	datum	NOUN
easat-7592	354	19	approach	approach	NOUN
easat-7592	354	20	,	,	PUNCT
easat-7592	354	21	"	"	PUNCT
easat-7592	354	22	university	university	NOUN
easat-7592	354	23	of	of	ADP
easat-7592	354	24	mauritius	mauritius	PROPN
easat-7592	354	25	research	research	PROPN
easat-7592	354	26	journal	journal	NOUN
easat-7592	354	27	,	,	PUNCT
easat-7592	354	28	vol	vol	NOUN
easat-7592	354	29	.	.	PROPN
easat-7592	354	30	22	22	NUM
easat-7592	354	31	,	,	PUNCT
easat-7592	354	32	pp	pp	ADJ
easat-7592	354	33	.	.	PUNCT
easat-7592	354	34	310336	310336	NUM
easat-7592	354	35	,	,	PUNCT
easat-7592	354	36	2016	2016	NUM
easat-7592	354	37	.	.	PUNCT
easat-7592	355	1	[	[	X
easat-7592	355	2	23	23	NUM
easat-7592	355	3	]	]	X
easat-7592	355	4	e.	e.	PROPN
easat-7592	355	5	olaniyi	olaniyi	PROPN
easat-7592	355	6	,	,	PUNCT
easat-7592	355	7	"	"	PUNCT
easat-7592	355	8	back	back	ADV
easat-7592	355	9	to	to	ADP
easat-7592	355	10	the	the	DET
easat-7592	355	11	land	land	NOUN
easat-7592	355	12	:	:	PUNCT
easat-7592	355	13	the	the	DET
easat-7592	355	14	impact	impact	NOUN
easat-7592	355	15	of	of	ADP
easat-7592	355	16	financial	financial	ADJ
easat-7592	355	17	inclusion	inclusion	NOUN
easat-7592	355	18	on	on	ADP
easat-7592	355	19	agriculture	agriculture	NOUN
easat-7592	355	20	in	in	ADP
easat-7592	355	21	nigeria	nigeria	PROPN
easat-7592	355	22	,	,	PUNCT
easat-7592	355	23	"	"	PUNCT
easat-7592	355	24	iranian	iranian	ADJ
easat-7592	355	25	economic	economic	PROPN
easat-7592	355	26	review	review	PROPN
easat-7592	355	27	,	,	PUNCT
easat-7592	355	28	vol	vol	NOUN
easat-7592	355	29	.	.	PROPN
easat-7592	355	30	21	21	NUM
easat-7592	355	31	,	,	PUNCT
easat-7592	355	32	no	no	INTJ
easat-7592	355	33	.	.	NOUN
easat-7592	355	34	4	4	NUM
easat-7592	355	35	,	,	PUNCT
easat-7592	355	36	pp	pp	PROPN
easat-7592	355	37	.	.	PUNCT
easat-7592	355	38	885	885	NUM
easat-7592	355	39	-	-	SYM
easat-7592	355	40	903	903	NUM
easat-7592	355	41	,	,	PUNCT
easat-7592	355	42	2017	2017	NUM
easat-7592	355	43	.	.	PUNCT
easat-7592	356	1	https://doi.org/10.55493/5002.v12i10.4631	https://doi.org/10.55493/5002.v12i10.4631	PRON
easat-7592	357	1	[	[	X
easat-7592	357	2	24	24	NUM
easat-7592	357	3	]	]	PUNCT
easat-7592	357	4	z.	z.	PROPN
easat-7592	357	5	fungáčová	fungáčová	PROPN
easat-7592	357	6	and	and	CCONJ
easat-7592	357	7	l.	l.	PROPN
easat-7592	357	8	weill	weill	PROPN
easat-7592	357	9	,	,	PUNCT
easat-7592	357	10	"	"	PUNCT
easat-7592	357	11	understanding	understand	VERB
easat-7592	357	12	financial	financial	ADJ
easat-7592	357	13	inclusion	inclusion	NOUN
easat-7592	357	14	in	in	ADP
easat-7592	357	15	china	china	PROPN
easat-7592	357	16	,	,	PUNCT
easat-7592	357	17	"	"	PUNCT
easat-7592	357	18	china	china	PROPN
easat-7592	357	19	economic	economic	PROPN
easat-7592	357	20	review	review	PROPN
easat-7592	357	21	,	,	PUNCT
easat-7592	357	22	vol	vol	NOUN
easat-7592	357	23	.	.	PROPN
easat-7592	358	1	34	34	NUM
easat-7592	358	2	,	,	PUNCT
easat-7592	358	3	pp	pp	ADJ
easat-7592	358	4	.	.	PUNCT
easat-7592	359	1	196	196	NUM
easat-7592	359	2	–	–	PUNCT
easat-7592	359	3	206	206	NUM
easat-7592	359	4	,	,	PUNCT
easat-7592	359	5	2015	2015	NUM
easat-7592	359	6	.	.	PUNCT
easat-7592	360	1	https://doi.org/10.1016/j.chieco.2014.12.004	https://doi.org/10.1016/j.chieco.2014.12.004	NOUN
easat-7592	360	2	[	[	X
easat-7592	360	3	25	25	NUM
easat-7592	360	4	]	]	PUNCT
easat-7592	360	5	a.	a.	NOUN
easat-7592	360	6	zins	zin	NOUN
easat-7592	360	7	and	and	CCONJ
easat-7592	360	8	l.	l.	PROPN
easat-7592	360	9	weill	weill	PROPN
easat-7592	360	10	,	,	PUNCT
easat-7592	360	11	"	"	PUNCT
easat-7592	360	12	the	the	DET
easat-7592	360	13	determinants	determinant	NOUN
easat-7592	360	14	of	of	ADP
easat-7592	360	15	financial	financial	ADJ
easat-7592	360	16	inclusion	inclusion	NOUN
easat-7592	360	17	in	in	ADP
easat-7592	360	18	africa	africa	PROPN
easat-7592	360	19	,	,	PUNCT
easat-7592	360	20	"	"	PUNCT
easat-7592	360	21	review	review	NOUN
easat-7592	360	22	of	of	ADP
easat-7592	360	23	development	development	NOUN
easat-7592	360	24	finance	finance	NOUN
easat-7592	360	25	,	,	PUNCT
easat-7592	360	26	vol	vol	NOUN
easat-7592	360	27	.	.	PROPN
easat-7592	360	28	6	6	NUM
easat-7592	360	29	,	,	PUNCT
easat-7592	360	30	no	no	INTJ
easat-7592	360	31	.	.	NOUN
easat-7592	360	32	1	1	NUM
easat-7592	360	33	,	,	PUNCT
easat-7592	360	34	pp	pp	ADJ
easat-7592	360	35	.	.	PUNCT
easat-7592	361	1	46	46	NUM
easat-7592	361	2	-	-	SYM
easat-7592	361	3	57	57	NUM
easat-7592	361	4	,	,	PUNCT
easat-7592	361	5	2016	2016	NUM
easat-7592	361	6	.	.	PUNCT
easat-7592	362	1	https://doi.org/10.1016/j.rdf.2016.05.001	https://doi.org/10.1016/j.rdf.2016.05.001	NOUN
easat-7592	362	2	[	[	X
easat-7592	362	3	26	26	NUM
easat-7592	362	4	]	]	X
easat-7592	362	5	s.	s.	PROPN
easat-7592	362	6	djankov	djankov	PROPN
easat-7592	362	7	,	,	PUNCT
easat-7592	362	8	r.	r.	PROPN
easat-7592	362	9	la	la	PROPN
easat-7592	362	10	porta	porta	PROPN
easat-7592	362	11	,	,	PUNCT
easat-7592	362	12	f.	f.	PROPN
easat-7592	362	13	lopez	lopez	PROPN
easat-7592	362	14	-	-	PUNCT
easat-7592	362	15	de	de	NOUN
easat-7592	362	16	-	-	NOUN
easat-7592	362	17	silanes	silane	NOUN
easat-7592	362	18	,	,	PUNCT
easat-7592	362	19	and	and	CCONJ
easat-7592	362	20	a.	a.	NOUN
easat-7592	362	21	shleifer	shleifer	NOUN
easat-7592	362	22	,	,	PUNCT
easat-7592	362	23	"	"	PUNCT
easat-7592	362	24	the	the	DET
easat-7592	362	25	law	law	NOUN
easat-7592	362	26	and	and	CCONJ
easat-7592	362	27	economics	economic	NOUN
easat-7592	362	28	of	of	ADP
easat-7592	362	29	self	self	NOUN
easat-7592	362	30	-	-	PUNCT
easat-7592	362	31	dealing	dealing	NOUN
easat-7592	362	32	,	,	PUNCT
easat-7592	362	33	"	"	PUNCT
easat-7592	362	34	journal	journal	NOUN
easat-7592	362	35	of	of	ADP
easat-7592	362	36	financial	financial	ADJ
easat-7592	362	37	economics	economic	NOUN
easat-7592	362	38	,	,	PUNCT
easat-7592	362	39	vol	vol	NOUN
easat-7592	362	40	.	.	PROPN
easat-7592	362	41	88	88	NUM
easat-7592	362	42	,	,	PUNCT
easat-7592	362	43	no	no	INTJ
easat-7592	362	44	.	.	NOUN
easat-7592	362	45	3	3	NUM
easat-7592	362	46	,	,	PUNCT
easat-7592	362	47	pp	pp	ADJ
easat-7592	362	48	.	.	PUNCT
easat-7592	362	49	430	430	NUM
easat-7592	362	50	-	-	SYM
easat-7592	362	51	465	465	NUM
easat-7592	362	52	,	,	PUNCT
easat-7592	362	53	2008	2008	NUM
easat-7592	362	54	.	.	PUNCT
easat-7592	363	1	https://doi.org/10.1016/j.jfineco.2007.03.004	https://doi.org/10.1016/j.jfineco.2007.03.004	NOUN
easat-7592	363	2	https://doi.org/10.55493/5002.v12i10.4631	https://doi.org/10.55493/5002.v12i10.4631	NOUN
easat-7592	363	3	https://doi.org/10.1016/j.chieco.2014.12.004	https://doi.org/10.1016/j.chieco.2014.12.004	VERB
easat-7592	363	4	https://doi.org/10.1016/j.rdf.2016.05.001	https://doi.org/10.1016/j.rdf.2016.05.001	NOUN
easat-7592	363	5	https://doi.org/10.1016/j.jfineco.2007.03.004	https://doi.org/10.1016/j.jfineco.2007.03.004	NOUN