id	sid	tid	token	lemma	pos
easat-7649	1	1	edelweiss	edelweiss	PROPN
easat-7649	1	2	applied	apply	VERB
easat-7649	1	3	science	science	NOUN
easat-7649	1	4	and	and	CCONJ
easat-7649	1	5	technology	technology	NOUN
easat-7649	1	6	issn	issn	PROPN
easat-7649	1	7	:	:	PUNCT
easat-7649	1	8	2576	2576	NUM
easat-7649	1	9	-	-	SYM
easat-7649	1	10	8484	8484	NUM
easat-7649	1	11	vol	vol	NOUN
easat-7649	1	12	.	.	PROPN
easat-7649	2	1	9	9	NUM
easat-7649	2	2	,	,	PUNCT
easat-7649	2	3	no	no	INTJ
easat-7649	2	4	.	.	NOUN
easat-7649	2	5	5	5	NUM
easat-7649	2	6	,	,	PUNCT
easat-7649	2	7	3080	3080	NUM
easat-7649	2	8	-	-	SYM
easat-7649	2	9	3092	3092	NUM
easat-7649	2	10	2025	2025	NUM
easat-7649	2	11	publisher	publisher	NOUN
easat-7649	2	12	:	:	PUNCT
easat-7649	2	13	learning	learn	VERB
easat-7649	2	14	gate	gate	NOUN
easat-7649	2	15	doi	doi	PROPN
easat-7649	2	16	:	:	PUNCT
easat-7649	2	17	10.55214/25768484.v9i5.7649	10.55214/25768484.v9i5.7649	NUM
easat-7649	2	18	©	©	PROPN
easat-7649	2	19	2025	2025	NUM
easat-7649	2	20	by	by	ADP
easat-7649	2	21	the	the	DET
easat-7649	2	22	authors	author	NOUN
easat-7649	2	23	;	;	PUNCT
easat-7649	2	24	licensee	licensee	PROPN
easat-7649	2	25	learning	learning	NOUN
easat-7649	2	26	gate	gate	NOUN
easat-7649	3	1	©	©	PROPN
easat-7649	3	2	2025	2025	NUM
easat-7649	3	3	by	by	ADP
easat-7649	3	4	the	the	DET
easat-7649	3	5	authors	author	NOUN
easat-7649	3	6	;	;	PUNCT
easat-7649	3	7	licensee	licensee	PROPN
easat-7649	3	8	learning	learning	NOUN
easat-7649	3	9	gate	gate	NOUN
easat-7649	3	10	history	history	NOUN
easat-7649	3	11	:	:	PUNCT
easat-7649	3	12	received	receive	VERB
easat-7649	3	13	:	:	PUNCT
easat-7649	3	14	13	13	NUM
easat-7649	3	15	march	march	NOUN
easat-7649	3	16	2025	2025	NUM
easat-7649	3	17	;	;	PUNCT
easat-7649	3	18	revised	revise	VERB
easat-7649	3	19	:	:	PUNCT
easat-7649	3	20	16	16	NUM
easat-7649	3	21	may	may	PROPN
easat-7649	3	22	2025	2025	NUM
easat-7649	3	23	;	;	PUNCT
easat-7649	3	24	accepted	accept	VERB
easat-7649	3	25	:	:	PUNCT
easat-7649	3	26	19	19	NUM
easat-7649	3	27	may	may	PROPN
easat-7649	3	28	2025	2025	NUM
easat-7649	3	29	;	;	PUNCT
easat-7649	3	30	published	publish	VERB
easat-7649	3	31	:	:	PUNCT
easat-7649	3	32	29	29	NUM
easat-7649	3	33	may	may	AUX
easat-7649	3	34	2025	2025	NUM
easat-7649	3	35	*	*	PUNCT
easat-7649	3	36	correspondence	correspondence	NOUN
easat-7649	3	37	:	:	PUNCT
easat-7649	3	38	padamdongol2000@gmail.com	padamdongol2000@gmail.com	X
easat-7649	3	39	microfinance	microfinance	NOUN
easat-7649	3	40	as	as	ADP
easat-7649	3	41	a	a	DET
easat-7649	3	42	catalyst	catalyst	NOUN
easat-7649	3	43	for	for	ADP
easat-7649	3	44	women	woman	NOUN
easat-7649	3	45	's	's	PART
easat-7649	3	46	empowerment	empowerment	NOUN
easat-7649	3	47	:	:	PUNCT
easat-7649	3	48	a	a	DET
easat-7649	3	49	study	study	NOUN
easat-7649	3	50	of	of	ADP
easat-7649	3	51	sindhuli	sindhuli	PROPN
easat-7649	3	52	district	district	PROPN
easat-7649	3	53	,	,	PUNCT
easat-7649	3	54	nepal	nepal	ADJ
easat-7649	3	55	sajeeb	sajeeb	PROPN
easat-7649	3	56	kumar	kumar	PROPN
easat-7649	3	57	shrestha1	shrestha1	PROPN
easat-7649	3	58	,	,	PUNCT
easat-7649	3	59	dipak	dipak	PROPN
easat-7649	3	60	mahat2	mahat2	PROPN
easat-7649	3	61	,	,	PUNCT
easat-7649	3	62	dasarath	dasarath	NOUN
easat-7649	3	63	neupane3	neupane3	PROPN
easat-7649	3	64	,	,	PUNCT
easat-7649	3	65	tej	tej	PROPN
easat-7649	3	66	bahadur	bahadur	PROPN
easat-7649	3	67	karki4	karki4	PROPN
easat-7649	3	68	,	,	PUNCT
easat-7649	3	69	padam	padam	PROPN
easat-7649	3	70	dongol5	dongol5	PROPN
easat-7649	3	71	*	*	PROPN
easat-7649	3	72	,	,	PUNCT
easat-7649	3	73	anuja	anuja	PROPN
easat-7649	3	74	kattel6	kattel6	PROPN
easat-7649	3	75	1,5,6faculty	1,5,6faculty	NUM
easat-7649	3	76	of	of	ADP
easat-7649	3	77	management	management	NOUN
easat-7649	3	78	,	,	PUNCT
easat-7649	3	79	tribhuvan	tribhuvan	PROPN
easat-7649	3	80	university	university	PROPN
easat-7649	3	81	,	,	PUNCT
easat-7649	3	82	south	south	PROPN
easat-7649	3	83	asia	asia	PROPN
easat-7649	3	84	,	,	PUNCT
easat-7649	3	85	nepal	nepal	ADJ
easat-7649	3	86	;	;	PUNCT
easat-7649	4	1	drsjaeeb@gmail.com	drsjaeeb@gmail.com	PROPN
easat-7649	4	2	(	(	PUNCT
easat-7649	4	3	s.k.s	s.k.s	PROPN
easat-7649	4	4	.	.	PUNCT
easat-7649	4	5	)	)	PUNCT
easat-7649	5	1	padamdongol2000@gmail.com	padamdongol2000@gmail.com	X
easat-7649	6	1	(	(	PUNCT
easat-7649	6	2	p.d	p.d	PROPN
easat-7649	6	3	.	.	PROPN
easat-7649	6	4	)	)	PUNCT
easat-7649	7	1	anujakattel10@gmail.com	anujakattel10@gmail.com	X
easat-7649	7	2	(	(	PUNCT
easat-7649	7	3	a.k	a.k	PROPN
easat-7649	7	4	.	.	PROPN
easat-7649	7	5	)	)	PUNCT
easat-7649	7	6	.	.	PUNCT
easat-7649	8	1	2faculty	2faculty	NUM
easat-7649	8	2	of	of	ADP
easat-7649	8	3	management	management	NOUN
easat-7649	8	4	,	,	PUNCT
easat-7649	8	5	institute	institute	NOUN
easat-7649	8	6	of	of	ADP
easat-7649	8	7	research	research	NOUN
easat-7649	8	8	and	and	CCONJ
easat-7649	8	9	innovation	innovation	NOUN
easat-7649	8	10	,	,	PUNCT
easat-7649	8	11	apu	apu	PROPN
easat-7649	8	12	,	,	PUNCT
easat-7649	8	13	india	india	PROPN
easat-7649	8	14	;	;	PUNCT
easat-7649	8	15	dipakmahatdm2047@gmail.com	dipakmahatdm2047@gmail.com	X
easat-7649	8	16	(	(	PUNCT
easat-7649	8	17	d.m	d.m	PROPN
easat-7649	8	18	.	.	PUNCT
easat-7649	8	19	)	)	PUNCT
easat-7649	8	20	.	.	PUNCT
easat-7649	9	1	3faculty	3faculty	NUM
easat-7649	9	2	member	member	NOUN
easat-7649	9	3	,	,	PUNCT
easat-7649	9	4	department	department	NOUN
easat-7649	9	5	of	of	ADP
easat-7649	9	6	english	english	PROPN
easat-7649	9	7	,	,	PUNCT
easat-7649	9	8	baneshwor	baneshwor	PROPN
easat-7649	9	9	multiple	multiple	ADJ
easat-7649	9	10	campus	campus	PROPN
easat-7649	9	11	,	,	PUNCT
easat-7649	9	12	south	south	PROPN
easat-7649	9	13	asia	asia	PROPN
easat-7649	9	14	,	,	PUNCT
easat-7649	9	15	nepal	nepal	ADJ
easat-7649	9	16	;	;	PUNCT
easat-7649	9	17	neupane.dasarath@gmail.com	neupane.dasarath@gmail.com	X
easat-7649	9	18	(	(	PUNCT
easat-7649	9	19	d.n	d.n	PROPN
easat-7649	9	20	.	.	PROPN
easat-7649	9	21	)	)	PUNCT
easat-7649	9	22	.	.	PUNCT
easat-7649	10	1	4social	4social	NUM
easat-7649	10	2	development	development	NOUN
easat-7649	10	3	,	,	PUNCT
easat-7649	10	4	nepal	nepal	ADJ
easat-7649	10	5	philosophical	philosophical	ADJ
easat-7649	10	6	research	research	NOUN
easat-7649	10	7	center	center	NOUN
easat-7649	10	8	,	,	PUNCT
easat-7649	10	9	south	south	PROPN
easat-7649	10	10	asia	asia	PROPN
easat-7649	10	11	,	,	PUNCT
easat-7649	10	12	nepal	nepal	ADJ
easat-7649	10	13	;	;	PUNCT
easat-7649	10	14	drtej.karki@gmail.com	drtej.karki@gmail.com	X
easat-7649	10	15	(	(	PUNCT
easat-7649	10	16	t.b.k	t.b.k	NOUN
easat-7649	10	17	.	.	PUNCT
easat-7649	10	18	)	)	PUNCT
easat-7649	10	19	.	.	PUNCT
easat-7649	11	1	abstract	abstract	ADV
easat-7649	11	2	:	:	PUNCT
easat-7649	11	3	this	this	DET
easat-7649	11	4	study	study	NOUN
easat-7649	11	5	examines	examine	VERB
easat-7649	11	6	the	the	DET
easat-7649	11	7	impact	impact	NOUN
easat-7649	11	8	of	of	ADP
easat-7649	11	9	microfinance	microfinance	NOUN
easat-7649	11	10	programs	program	NOUN
easat-7649	11	11	on	on	ADP
easat-7649	11	12	women	woman	NOUN
easat-7649	11	13	’s	’s	PART
easat-7649	11	14	economic	economic	ADJ
easat-7649	11	15	empowerment	empowerment	NOUN
easat-7649	11	16	in	in	ADP
easat-7649	11	17	the	the	DET
easat-7649	11	18	sindhuli	sindhuli	PROPN
easat-7649	11	19	district	district	NOUN
easat-7649	11	20	.	.	PUNCT
easat-7649	12	1	it	it	PRON
easat-7649	12	2	focuses	focus	VERB
easat-7649	12	3	on	on	ADP
easat-7649	12	4	how	how	SCONJ
easat-7649	12	5	micro	micro	ADJ
easat-7649	12	6	-	-	ADJ
easat-7649	12	7	saving	saving	ADJ
easat-7649	12	8	,	,	PUNCT
easat-7649	12	9	micro	micro	NOUN
easat-7649	12	10	-	-	NOUN
easat-7649	12	11	credit	credit	ADJ
easat-7649	12	12	,	,	PUNCT
easat-7649	12	13	micro	micro	NOUN
easat-7649	12	14	-	-	NOUN
easat-7649	12	15	insurance	insurance	NOUN
easat-7649	12	16	,	,	PUNCT
easat-7649	12	17	and	and	CCONJ
easat-7649	12	18	training	training	NOUN
easat-7649	12	19	services	service	NOUN
easat-7649	12	20	contribute	contribute	VERB
easat-7649	12	21	to	to	ADP
easat-7649	12	22	improving	improve	VERB
easat-7649	12	23	women	woman	NOUN
easat-7649	12	24	's	's	PART
easat-7649	12	25	financial	financial	ADJ
easat-7649	12	26	independence	independence	NOUN
easat-7649	12	27	and	and	CCONJ
easat-7649	12	28	decision	decision	NOUN
easat-7649	12	29	-	-	PUNCT
easat-7649	12	30	making	make	VERB
easat-7649	12	31	abilities	ability	NOUN
easat-7649	12	32	.	.	PUNCT
easat-7649	13	1	a	a	DET
easat-7649	13	2	cross	cross	ADJ
easat-7649	13	3	-	-	ADJ
easat-7649	13	4	sectional	sectional	ADJ
easat-7649	13	5	research	research	NOUN
easat-7649	13	6	design	design	NOUN
easat-7649	13	7	with	with	ADP
easat-7649	13	8	a	a	DET
easat-7649	13	9	deductive	deductive	ADJ
easat-7649	13	10	approach	approach	NOUN
easat-7649	13	11	was	be	AUX
easat-7649	13	12	used	use	VERB
easat-7649	13	13	.	.	PUNCT
easat-7649	14	1	data	datum	NOUN
easat-7649	14	2	were	be	AUX
easat-7649	14	3	collected	collect	VERB
easat-7649	14	4	from	from	ADP
easat-7649	14	5	385	385	NUM
easat-7649	14	6	women	woman	NOUN
easat-7649	14	7	who	who	PRON
easat-7649	14	8	use	use	VERB
easat-7649	14	9	microfinance	microfinance	NOUN
easat-7649	14	10	services	service	NOUN
easat-7649	14	11	in	in	ADP
easat-7649	14	12	the	the	DET
easat-7649	14	13	sindhuli	sindhuli	PROPN
easat-7649	14	14	district	district	PROPN
easat-7649	14	15	.	.	PUNCT
easat-7649	15	1	participants	participant	NOUN
easat-7649	15	2	were	be	AUX
easat-7649	15	3	selected	select	VERB
easat-7649	15	4	through	through	ADP
easat-7649	15	5	purposive	purposive	ADJ
easat-7649	15	6	sampling	sampling	NOUN
easat-7649	15	7	.	.	PUNCT
easat-7649	16	1	the	the	DET
easat-7649	16	2	data	datum	NOUN
easat-7649	16	3	were	be	AUX
easat-7649	16	4	analyzed	analyze	VERB
easat-7649	16	5	using	use	VERB
easat-7649	16	6	smartpls	smartpls	NOUN
easat-7649	16	7	software	software	NOUN
easat-7649	16	8	to	to	PART
easat-7649	16	9	assess	assess	VERB
easat-7649	16	10	the	the	DET
easat-7649	16	11	relationship	relationship	NOUN
easat-7649	16	12	between	between	ADP
easat-7649	16	13	microfinance	microfinance	NOUN
easat-7649	16	14	services	service	NOUN
easat-7649	16	15	and	and	CCONJ
easat-7649	16	16	women	woman	NOUN
easat-7649	16	17	's	's	PART
easat-7649	16	18	economic	economic	ADJ
easat-7649	16	19	empowerment	empowerment	NOUN
easat-7649	16	20	.	.	PUNCT
easat-7649	17	1	the	the	DET
easat-7649	17	2	results	result	NOUN
easat-7649	17	3	show	show	VERB
easat-7649	17	4	that	that	SCONJ
easat-7649	17	5	micro	micro	NOUN
easat-7649	17	6	-	-	ADJ
easat-7649	17	7	saving	saving	ADJ
easat-7649	17	8	,	,	PUNCT
easat-7649	17	9	micro	micro	NOUN
easat-7649	17	10	-	-	NOUN
easat-7649	17	11	credit	credit	ADJ
easat-7649	17	12	,	,	PUNCT
easat-7649	17	13	micro	micro	NOUN
easat-7649	17	14	-	-	NOUN
easat-7649	17	15	insurance	insurance	NOUN
easat-7649	17	16	,	,	PUNCT
easat-7649	17	17	and	and	CCONJ
easat-7649	17	18	training	training	NOUN
easat-7649	17	19	services	service	NOUN
easat-7649	17	20	all	all	PRON
easat-7649	17	21	have	have	VERB
easat-7649	17	22	a	a	DET
easat-7649	17	23	significant	significant	ADJ
easat-7649	17	24	positive	positive	ADJ
easat-7649	17	25	effect	effect	NOUN
easat-7649	17	26	on	on	ADP
easat-7649	17	27	women	woman	NOUN
easat-7649	17	28	’s	’s	PART
easat-7649	17	29	economic	economic	ADJ
easat-7649	17	30	empowerment	empowerment	NOUN
easat-7649	17	31	.	.	PUNCT
easat-7649	18	1	microcredit	microcredit	NOUN
easat-7649	18	2	supports	support	VERB
easat-7649	18	3	women	woman	NOUN
easat-7649	18	4	in	in	ADP
easat-7649	18	5	starting	start	VERB
easat-7649	18	6	or	or	CCONJ
easat-7649	18	7	expanding	expand	VERB
easat-7649	18	8	businesses	business	NOUN
easat-7649	18	9	and	and	CCONJ
easat-7649	18	10	managing	manage	VERB
easat-7649	18	11	emergencies	emergency	NOUN
easat-7649	18	12	.	.	PUNCT
easat-7649	19	1	micro	micro	ADJ
easat-7649	19	2	-	-	ADJ
easat-7649	19	3	saving	saving	ADJ
easat-7649	19	4	and	and	CCONJ
easat-7649	19	5	insurance	insurance	NOUN
easat-7649	19	6	services	service	NOUN
easat-7649	19	7	provide	provide	VERB
easat-7649	19	8	financial	financial	ADJ
easat-7649	19	9	security	security	NOUN
easat-7649	19	10	,	,	PUNCT
easat-7649	19	11	while	while	SCONJ
easat-7649	19	12	training	training	NOUN
easat-7649	19	13	helps	help	VERB
easat-7649	19	14	build	build	VERB
easat-7649	19	15	knowledge	knowledge	NOUN
easat-7649	19	16	and	and	CCONJ
easat-7649	19	17	confidence	confidence	NOUN
easat-7649	19	18	.	.	PUNCT
easat-7649	20	1	microfinance	microfinance	NOUN
easat-7649	20	2	programs	program	NOUN
easat-7649	20	3	play	play	VERB
easat-7649	20	4	an	an	DET
easat-7649	20	5	important	important	ADJ
easat-7649	20	6	role	role	NOUN
easat-7649	20	7	in	in	ADP
easat-7649	20	8	increasing	increase	VERB
easat-7649	20	9	women	woman	NOUN
easat-7649	20	10	’s	’s	PART
easat-7649	20	11	economic	economic	ADJ
easat-7649	20	12	independence	independence	NOUN
easat-7649	20	13	and	and	CCONJ
easat-7649	20	14	strengthening	strengthen	VERB
easat-7649	20	15	their	their	PRON
easat-7649	20	16	decision	decision	NOUN
easat-7649	20	17	-	-	PUNCT
easat-7649	20	18	making	make	VERB
easat-7649	20	19	power	power	NOUN
easat-7649	20	20	,	,	PUNCT
easat-7649	20	21	especially	especially	ADV
easat-7649	20	22	in	in	ADP
easat-7649	20	23	rural	rural	ADJ
easat-7649	20	24	areas	area	NOUN
easat-7649	20	25	like	like	ADP
easat-7649	20	26	sindhuli	sindhuli	NOUN
easat-7649	20	27	.	.	PUNCT
easat-7649	21	1	microfinance	microfinance	NOUN
easat-7649	21	2	institutions	institution	NOUN
easat-7649	21	3	are	be	AUX
easat-7649	21	4	encouraged	encourage	VERB
easat-7649	21	5	to	to	PART
easat-7649	21	6	provide	provide	VERB
easat-7649	21	7	balanced	balanced	ADJ
easat-7649	21	8	services	service	NOUN
easat-7649	21	9	.	.	PUNCT
easat-7649	22	1	along	along	ADP
easat-7649	22	2	with	with	ADP
easat-7649	22	3	credit	credit	NOUN
easat-7649	22	4	and	and	CCONJ
easat-7649	22	5	savings	saving	NOUN
easat-7649	22	6	,	,	PUNCT
easat-7649	22	7	they	they	PRON
easat-7649	22	8	should	should	AUX
easat-7649	22	9	strengthen	strengthen	VERB
easat-7649	22	10	micro	micro	NOUN
easat-7649	22	11	-	-	NOUN
easat-7649	22	12	insurance	insurance	NOUN
easat-7649	22	13	and	and	CCONJ
easat-7649	22	14	training	training	NOUN
easat-7649	22	15	programs	program	NOUN
easat-7649	22	16	to	to	PART
easat-7649	22	17	better	well	ADV
easat-7649	22	18	support	support	VERB
easat-7649	22	19	women	woman	NOUN
easat-7649	22	20	in	in	ADP
easat-7649	22	21	low	low	ADJ
easat-7649	22	22	-	-	PUNCT
easat-7649	22	23	income	income	NOUN
easat-7649	22	24	communities	community	NOUN
easat-7649	22	25	and	and	CCONJ
easat-7649	22	26	promote	promote	VERB
easat-7649	22	27	sustainable	sustainable	ADJ
easat-7649	22	28	development	development	NOUN
easat-7649	22	29	.	.	PUNCT
easat-7649	23	1	keywords	keyword	NOUN
easat-7649	23	2	:	:	PUNCT
easat-7649	23	3	empowerment	empowerment	NOUN
easat-7649	23	4	,	,	PUNCT
easat-7649	23	5	microfinance	microfinance	NOUN
easat-7649	23	6	,	,	PUNCT
easat-7649	23	7	nepal	nepal	ADJ
easat-7649	23	8	,	,	PUNCT
easat-7649	23	9	sindhuli	sindhuli	NOUN
easat-7649	23	10	,	,	PUNCT
easat-7649	23	11	women	woman	NOUN
easat-7649	23	12	.	.	PUNCT
easat-7649	24	1	1	1	X
easat-7649	24	2	.	.	X
easat-7649	24	3	introduction	introduction	NOUN
easat-7649	24	4	women	woman	NOUN
easat-7649	24	5	’s	’s	PART
easat-7649	24	6	empowerment	empowerment	NOUN
easat-7649	24	7	has	have	AUX
easat-7649	24	8	long	long	ADV
easat-7649	24	9	been	be	AUX
easat-7649	24	10	recognized	recognize	VERB
easat-7649	24	11	as	as	ADP
easat-7649	24	12	a	a	DET
easat-7649	24	13	key	key	ADJ
easat-7649	24	14	driver	driver	NOUN
easat-7649	24	15	of	of	ADP
easat-7649	24	16	development	development	NOUN
easat-7649	24	17	,	,	PUNCT
easat-7649	24	18	but	but	CCONJ
easat-7649	24	19	its	its	PRON
easat-7649	24	20	meaning	meaning	NOUN
easat-7649	24	21	,	,	PUNCT
easat-7649	24	22	dimensions	dimension	NOUN
easat-7649	24	23	,	,	PUNCT
easat-7649	24	24	and	and	CCONJ
easat-7649	24	25	measurement	measurement	NOUN
easat-7649	24	26	remain	remain	VERB
easat-7649	24	27	diverse	diverse	ADJ
easat-7649	24	28	and	and	CCONJ
easat-7649	24	29	debated	debate	VERB
easat-7649	24	30	.	.	PUNCT
easat-7649	25	1	terms	term	NOUN
easat-7649	25	2	such	such	ADJ
easat-7649	25	3	as	as	ADP
easat-7649	25	4	power	power	NOUN
easat-7649	25	5	,	,	PUNCT
easat-7649	25	6	choice	choice	NOUN
easat-7649	25	7	,	,	PUNCT
easat-7649	25	8	control	control	NOUN
easat-7649	25	9	,	,	PUNCT
easat-7649	25	10	and	and	CCONJ
easat-7649	25	11	option	option	NOUN
easat-7649	25	12	are	be	AUX
easat-7649	25	13	frequently	frequently	ADV
easat-7649	25	14	used	use	VERB
easat-7649	25	15	in	in	ADP
easat-7649	25	16	defining	define	VERB
easat-7649	25	17	women	woman	NOUN
easat-7649	25	18	's	's	PART
easat-7649	25	19	empowerment	empowerment	NOUN
easat-7649	26	1	[	[	X
easat-7649	26	2	1	1	NUM
easat-7649	26	3	]	]	PUNCT
easat-7649	26	4	yet	yet	CCONJ
easat-7649	26	5	there	there	PRON
easat-7649	26	6	is	be	VERB
easat-7649	26	7	still	still	ADV
easat-7649	26	8	ambiguity	ambiguity	NOUN
easat-7649	26	9	over	over	ADP
easat-7649	26	10	whether	whether	SCONJ
easat-7649	26	11	“	"	PUNCT
easat-7649	26	12	empowerment	empowerment	NOUN
easat-7649	26	13	,	,	PUNCT
easat-7649	26	14	”	"	PUNCT
easat-7649	26	15	“	"	PUNCT
easat-7649	26	16	gender	gender	NOUN
easat-7649	26	17	equality	equality	NOUN
easat-7649	26	18	,	,	PUNCT
easat-7649	26	19	”	"	PUNCT
easat-7649	26	20	“	"	PUNCT
easat-7649	26	21	women	woman	NOUN
easat-7649	26	22	’s	’s	PART
easat-7649	26	23	autonomy	autonomy	NOUN
easat-7649	26	24	,	,	PUNCT
easat-7649	26	25	”	"	PUNCT
easat-7649	26	26	and	and	CCONJ
easat-7649	26	27	“	"	PUNCT
easat-7649	26	28	women	woman	NOUN
easat-7649	26	29	’s	’s	PART
easat-7649	26	30	status	status	NOUN
easat-7649	26	31	”	"	PUNCT
easat-7649	26	32	are	be	AUX
easat-7649	26	33	interchangeable	interchangeable	ADJ
easat-7649	26	34	concepts	concept	NOUN
easat-7649	26	35	.	.	PUNCT
easat-7649	27	1	scholars	scholar	NOUN
easat-7649	27	2	have	have	AUX
easat-7649	27	3	described	describe	VERB
easat-7649	27	4	women	woman	NOUN
easat-7649	27	5	's	's	PART
easat-7649	27	6	empowerment	empowerment	NOUN
easat-7649	27	7	both	both	PRON
easat-7649	27	8	as	as	ADP
easat-7649	27	9	an	an	DET
easat-7649	27	10	end	end	NOUN
easat-7649	27	11	-	-	PUNCT
easat-7649	27	12	state	state	NOUN
easat-7649	27	13	reflecting	reflect	VERB
easat-7649	27	14	the	the	DET
easat-7649	27	15	ability	ability	NOUN
easat-7649	27	16	to	to	PART
easat-7649	27	17	exercise	exercise	VERB
easat-7649	27	18	choice	choice	NOUN
easat-7649	27	19	and	and	CCONJ
easat-7649	27	20	as	as	ADP
easat-7649	27	21	a	a	DET
easat-7649	27	22	dynamic	dynamic	ADJ
easat-7649	27	23	process	process	NOUN
easat-7649	27	24	of	of	ADP
easat-7649	27	25	gaining	gain	VERB
easat-7649	27	26	power	power	NOUN
easat-7649	27	27	[	[	X
easat-7649	27	28	2	2	NUM
easat-7649	27	29	]	]	PUNCT
easat-7649	27	30	.	.	PUNCT
easat-7649	28	1	in	in	ADP
easat-7649	28	2	nepal	nepal	ADJ
easat-7649	28	3	,	,	PUNCT
easat-7649	28	4	the	the	DET
easat-7649	28	5	reality	reality	NOUN
easat-7649	28	6	for	for	ADP
easat-7649	28	7	many	many	ADJ
easat-7649	28	8	women	woman	NOUN
easat-7649	28	9	is	be	AUX
easat-7649	28	10	shaped	shape	VERB
easat-7649	28	11	by	by	ADP
easat-7649	28	12	deep	deep	ADJ
easat-7649	28	13	-	-	PUNCT
easat-7649	28	14	rooted	root	VERB
easat-7649	28	15	poverty	poverty	NOUN
easat-7649	28	16	and	and	CCONJ
easat-7649	28	17	societal	societal	ADJ
easat-7649	28	18	norms	norm	NOUN
easat-7649	28	19	that	that	PRON
easat-7649	28	20	hinder	hinder	VERB
easat-7649	28	21	their	their	PRON
easat-7649	28	22	development	development	NOUN
easat-7649	28	23	[	[	X
easat-7649	28	24	3	3	NUM
easat-7649	28	25	]	]	PUNCT
easat-7649	28	26	.	.	PUNCT
easat-7649	29	1	women	woman	NOUN
easat-7649	29	2	,	,	PUNCT
easat-7649	29	3	despite	despite	SCONJ
easat-7649	29	4	being	be	AUX
easat-7649	29	5	the	the	DET
easat-7649	29	6	backbone	backbone	NOUN
easat-7649	29	7	of	of	ADP
easat-7649	29	8	family	family	NOUN
easat-7649	29	9	and	and	CCONJ
easat-7649	29	10	community	community	NOUN
easat-7649	29	11	life	life	NOUN
easat-7649	29	12	,	,	PUNCT
easat-7649	29	13	remain	remain	VERB
easat-7649	29	14	economically	economically	ADV
easat-7649	29	15	marginalized	marginalize	VERB
easat-7649	29	16	,	,	PUNCT
easat-7649	29	17	undereducated	undereducated	ADJ
easat-7649	29	18	,	,	PUNCT
easat-7649	29	19	and	and	CCONJ
easat-7649	29	20	underrepresented	underrepresente	VERB
easat-7649	29	21	in	in	ADP
easat-7649	29	22	decision	decision	NOUN
easat-7649	29	23	-	-	PUNCT
easat-7649	29	24	making	make	VERB
easat-7649	29	25	spaces	space	NOUN
easat-7649	29	26	[	[	X
easat-7649	29	27	4	4	NUM
easat-7649	29	28	]	]	PUNCT
easat-7649	29	29	.	.	PUNCT
easat-7649	30	1	challenges	challenge	NOUN
easat-7649	30	2	such	such	ADJ
easat-7649	30	3	as	as	ADP
easat-7649	30	4	low	low	ADJ
easat-7649	30	5	economic	economic	ADJ
easat-7649	30	6	power	power	NOUN
easat-7649	30	7	,	,	PUNCT
easat-7649	30	8	limited	limited	ADJ
easat-7649	30	9	rights	right	NOUN
easat-7649	30	10	in	in	ADP
easat-7649	30	11	family	family	NOUN
easat-7649	30	12	decisions	decision	NOUN
easat-7649	30	13	,	,	PUNCT
easat-7649	30	14	asset	asset	NOUN
easat-7649	30	15	deprivation	deprivation	NOUN
easat-7649	30	16	,	,	PUNCT
easat-7649	30	17	job	job	NOUN
easat-7649	30	18	insecurity	insecurity	NOUN
easat-7649	30	19	,	,	PUNCT
easat-7649	30	20	and	and	CCONJ
easat-7649	30	21	denial	denial	NOUN
easat-7649	30	22	of	of	ADP
easat-7649	30	23	reproductive	reproductive	ADJ
easat-7649	30	24	rights	right	NOUN
easat-7649	30	25	continue	continue	VERB
easat-7649	30	26	to	to	PART
easat-7649	30	27	impede	impede	VERB
easat-7649	30	28	their	their	PRON
easat-7649	30	29	progress	progress	NOUN
easat-7649	30	30	.	.	PUNCT
easat-7649	31	1	while	while	SCONJ
easat-7649	31	2	nepal	nepal	ADJ
easat-7649	31	3	is	be	AUX
easat-7649	31	4	celebrated	celebrate	VERB
easat-7649	31	5	for	for	ADP
easat-7649	31	6	its	its	PRON
easat-7649	31	7	cultural	cultural	ADJ
easat-7649	31	8	diversity	diversity	NOUN
easat-7649	31	9	and	and	CCONJ
easat-7649	31	10	unity	unity	NOUN
easat-7649	31	11	,	,	PUNCT
easat-7649	31	12	true	true	ADJ
easat-7649	31	13	gender	gender	NOUN
easat-7649	31	14	equality	equality	NOUN
easat-7649	31	15	is	be	AUX
easat-7649	31	16	still	still	ADV
easat-7649	31	17	elusive	elusive	ADJ
easat-7649	31	18	.	.	PUNCT
easat-7649	32	1	biological	biological	ADJ
easat-7649	32	2	sex	sex	NOUN
easat-7649	32	3	https://orcid.org/0000-0002-5227-771x	https://orcid.org/0000-0002-5227-771x	PROPN
easat-7649	32	4	https://orcid.org/0000-0003-0540-1180	https://orcid.org/0000-0003-0540-1180	PROPN
easat-7649	32	5	https://orcid.org/0000-0001-9285-8984	https://orcid.org/0000-0001-9285-8984	PROPN
easat-7649	32	6	https://orcid.org/0000-0001-5059-3519	https://orcid.org/0000-0001-5059-3519	PROPN
easat-7649	32	7	https://orcid.org/0009-0001-5398-9372	https://orcid.org/0009-0001-5398-9372	PROPN
easat-7649	32	8	3081	3081	PROPN
easat-7649	32	9	edelweiss	edelweiss	PROPN
easat-7649	32	10	applied	apply	VERB
easat-7649	32	11	science	science	NOUN
easat-7649	32	12	and	and	CCONJ
easat-7649	32	13	technology	technology	NOUN
easat-7649	32	14	issn	issn	PROPN
easat-7649	32	15	:	:	PUNCT
easat-7649	32	16	2576	2576	NUM
easat-7649	32	17	-	-	SYM
easat-7649	32	18	8484	8484	NUM
easat-7649	32	19	vol	vol	NOUN
easat-7649	32	20	.	.	PROPN
easat-7649	33	1	9	9	NUM
easat-7649	33	2	,	,	PUNCT
easat-7649	33	3	no	no	INTJ
easat-7649	33	4	.	.	NOUN
easat-7649	33	5	5	5	NUM
easat-7649	33	6	:	:	SYM
easat-7649	33	7	3080	3080	NUM
easat-7649	33	8	-	-	SYM
easat-7649	33	9	3092	3092	NUM
easat-7649	33	10	,	,	PUNCT
easat-7649	33	11	2025	2025	NUM
easat-7649	33	12	doi	doi	NOUN
easat-7649	33	13	:	:	PUNCT
easat-7649	33	14	10.55214/25768484.v9i5.7649	10.55214/25768484.v9i5.7649	NUM
easat-7649	33	15	©	©	PROPN
easat-7649	33	16	2025	2025	NUM
easat-7649	33	17	by	by	ADP
easat-7649	33	18	the	the	DET
easat-7649	33	19	authors	author	NOUN
easat-7649	33	20	;	;	PUNCT
easat-7649	33	21	licensee	licensee	PROPN
easat-7649	33	22	learning	learn	VERB
easat-7649	33	23	gate	gate	NOUN
easat-7649	33	24	differences	difference	NOUN
easat-7649	33	25	often	often	ADV
easat-7649	33	26	hide	hide	VERB
easat-7649	33	27	behind	behind	ADP
easat-7649	33	28	the	the	DET
easat-7649	33	29	rhetoric	rhetoric	NOUN
easat-7649	33	30	of	of	ADP
easat-7649	33	31	equal	equal	ADJ
easat-7649	33	32	rights	right	NOUN
easat-7649	33	33	,	,	PUNCT
easat-7649	33	34	and	and	CCONJ
easat-7649	33	35	tensions	tension	NOUN
easat-7649	33	36	between	between	ADP
easat-7649	33	37	modern	modern	ADJ
easat-7649	33	38	egalitarian	egalitarian	ADJ
easat-7649	33	39	ideals	ideal	NOUN
easat-7649	33	40	and	and	CCONJ
easat-7649	33	41	traditional	traditional	ADJ
easat-7649	33	42	male	male	NOUN
easat-7649	33	43	-	-	PUNCT
easat-7649	33	44	dominated	dominate	VERB
easat-7649	33	45	norms	norm	NOUN
easat-7649	33	46	persist	persist	VERB
easat-7649	33	47	[	[	X
easat-7649	33	48	5	5	NUM
easat-7649	33	49	]	]	PUNCT
easat-7649	33	50	.	.	PUNCT
easat-7649	34	1	although	although	SCONJ
easat-7649	34	2	initiatives	initiative	NOUN
easat-7649	34	3	in	in	ADP
easat-7649	34	4	education	education	NOUN
easat-7649	34	5	and	and	CCONJ
easat-7649	34	6	awareness	awareness	NOUN
easat-7649	34	7	have	have	AUX
easat-7649	34	8	brought	bring	VERB
easat-7649	34	9	some	some	DET
easat-7649	34	10	progress	progress	NOUN
easat-7649	34	11	,	,	PUNCT
easat-7649	34	12	disparities	disparity	NOUN
easat-7649	34	13	remain	remain	VERB
easat-7649	34	14	stark	stark	ADJ
easat-7649	34	15	,	,	PUNCT
easat-7649	34	16	particularly	particularly	ADV
easat-7649	34	17	between	between	ADP
easat-7649	34	18	urban	urban	ADJ
easat-7649	34	19	and	and	CCONJ
easat-7649	34	20	rural	rural	ADJ
easat-7649	34	21	areas	area	NOUN
easat-7649	34	22	.	.	PUNCT
easat-7649	35	1	female	female	ADJ
easat-7649	35	2	literacy	literacy	NOUN
easat-7649	35	3	,	,	PUNCT
easat-7649	35	4	for	for	ADP
easat-7649	35	5	instance	instance	NOUN
easat-7649	35	6	,	,	PUNCT
easat-7649	35	7	lags	lag	VERB
easat-7649	35	8	significantly	significantly	ADV
easat-7649	35	9	behind	behind	ADP
easat-7649	35	10	that	that	PRON
easat-7649	35	11	of	of	ADP
easat-7649	35	12	males	male	NOUN
easat-7649	35	13	70.1	70.1	NUM
easat-7649	35	14	%	%	NOUN
easat-7649	35	15	compared	compare	VERB
easat-7649	35	16	to	to	ADP
easat-7649	35	17	85.8	85.8	NUM
easat-7649	35	18	%	%	NOUN
easat-7649	35	19	highlighting	highlight	VERB
easat-7649	35	20	persistent	persistent	ADJ
easat-7649	35	21	gender	gender	NOUN
easat-7649	35	22	gaps	gap	NOUN
easat-7649	35	23	[	[	X
easat-7649	35	24	6	6	NUM
easat-7649	35	25	]	]	PUNCT
easat-7649	35	26	.	.	PUNCT
easat-7649	36	1	in	in	ADP
easat-7649	36	2	rural	rural	ADJ
easat-7649	36	3	areas	area	NOUN
easat-7649	36	4	like	like	ADP
easat-7649	36	5	sindhuli	sindhuli	PROPN
easat-7649	36	6	district	district	PROPN
easat-7649	36	7	,	,	PUNCT
easat-7649	36	8	women	woman	NOUN
easat-7649	36	9	face	face	VERB
easat-7649	36	10	even	even	ADV
easat-7649	36	11	harsher	harsh	ADJ
easat-7649	36	12	realities	reality	NOUN
easat-7649	36	13	:	:	PUNCT
easat-7649	36	14	lower	low	ADJ
easat-7649	36	15	literacy	literacy	NOUN
easat-7649	36	16	rates	rate	NOUN
easat-7649	36	17	,	,	PUNCT
easat-7649	36	18	limited	limited	ADJ
easat-7649	36	19	access	access	NOUN
easat-7649	36	20	to	to	ADP
easat-7649	36	21	economic	economic	ADJ
easat-7649	36	22	opportunities	opportunity	NOUN
easat-7649	36	23	,	,	PUNCT
easat-7649	36	24	and	and	CCONJ
easat-7649	36	25	entrenched	entrenched	ADJ
easat-7649	36	26	gender	gender	NOUN
easat-7649	36	27	discrimination	discrimination	NOUN
easat-7649	36	28	[	[	X
easat-7649	36	29	7	7	NUM
easat-7649	36	30	]	]	PUNCT
easat-7649	36	31	.	.	PUNCT
easat-7649	37	1	against	against	ADP
easat-7649	37	2	this	this	DET
easat-7649	37	3	backdrop	backdrop	NOUN
easat-7649	37	4	,	,	PUNCT
easat-7649	37	5	microfinance	microfinance	NOUN
easat-7649	37	6	has	have	AUX
easat-7649	37	7	emerged	emerge	VERB
easat-7649	37	8	globally	globally	ADV
easat-7649	37	9	as	as	ADP
easat-7649	37	10	a	a	DET
easat-7649	37	11	strategy	strategy	NOUN
easat-7649	37	12	for	for	ADP
easat-7649	37	13	promoting	promote	VERB
easat-7649	37	14	economic	economic	ADJ
easat-7649	37	15	development	development	NOUN
easat-7649	37	16	and	and	CCONJ
easat-7649	37	17	reducing	reduce	VERB
easat-7649	37	18	poverty	poverty	NOUN
easat-7649	37	19	among	among	ADP
easat-7649	37	20	marginalized	marginalize	VERB
easat-7649	37	21	groups	group	NOUN
easat-7649	37	22	[	[	X
easat-7649	37	23	8	8	NUM
easat-7649	37	24	]	]	PUNCT
easat-7649	37	25	.	.	PUNCT
easat-7649	38	1	it	it	PRON
easat-7649	38	2	offers	offer	VERB
easat-7649	38	3	small	small	ADJ
easat-7649	38	4	-	-	PUNCT
easat-7649	38	5	scale	scale	NOUN
easat-7649	38	6	financial	financial	ADJ
easat-7649	38	7	services	service	NOUN
easat-7649	38	8	such	such	ADJ
easat-7649	38	9	as	as	ADP
easat-7649	38	10	savings	saving	NOUN
easat-7649	38	11	,	,	PUNCT
easat-7649	38	12	credit	credit	NOUN
easat-7649	38	13	,	,	PUNCT
easat-7649	38	14	insurance	insurance	NOUN
easat-7649	38	15	,	,	PUNCT
easat-7649	38	16	and	and	CCONJ
easat-7649	38	17	training	training	NOUN
easat-7649	38	18	to	to	ADP
easat-7649	38	19	low	low	ADJ
easat-7649	38	20	-	-	PUNCT
easat-7649	38	21	income	income	NOUN
easat-7649	38	22	individuals	individual	NOUN
easat-7649	38	23	who	who	PRON
easat-7649	38	24	are	be	AUX
easat-7649	38	25	typically	typically	ADV
easat-7649	38	26	excluded	exclude	VERB
easat-7649	38	27	from	from	ADP
easat-7649	38	28	formal	formal	ADJ
easat-7649	38	29	financial	financial	ADJ
easat-7649	38	30	institutions[9	institutions[9	PROPN
easat-7649	38	31	]	]	PUNCT
easat-7649	38	32	.	.	PUNCT
easat-7649	39	1	beyond	beyond	ADP
easat-7649	39	2	financial	financial	ADJ
easat-7649	39	3	access	access	NOUN
easat-7649	39	4	,	,	PUNCT
easat-7649	39	5	microfinance	microfinance	NOUN
easat-7649	39	6	initiatives	initiative	NOUN
easat-7649	39	7	also	also	ADV
easat-7649	39	8	aim	aim	VERB
easat-7649	39	9	to	to	PART
easat-7649	39	10	build	build	VERB
easat-7649	39	11	self	self	NOUN
easat-7649	39	12	-	-	PUNCT
easat-7649	39	13	confidence	confidence	NOUN
easat-7649	39	14	,	,	PUNCT
easat-7649	39	15	financial	financial	ADJ
easat-7649	39	16	literacy	literacy	NOUN
easat-7649	39	17	,	,	PUNCT
easat-7649	39	18	and	and	CCONJ
easat-7649	39	19	group	group	NOUN
easat-7649	39	20	solidarity	solidarity	NOUN
easat-7649	39	21	among	among	ADP
easat-7649	39	22	women	woman	NOUN
easat-7649	39	23	,	,	PUNCT
easat-7649	39	24	thus	thus	ADV
easat-7649	39	25	serving	serve	VERB
easat-7649	39	26	as	as	ADP
easat-7649	39	27	a	a	DET
easat-7649	39	28	potential	potential	ADJ
easat-7649	39	29	catalyst	catalyst	NOUN
easat-7649	39	30	for	for	ADP
easat-7649	39	31	broader	broad	ADJ
easat-7649	39	32	social	social	ADJ
easat-7649	39	33	and	and	CCONJ
easat-7649	39	34	economic	economic	ADJ
easat-7649	39	35	empowerment	empowerment	NOUN
easat-7649	40	1	[	[	X
easat-7649	40	2	10	10	NUM
easat-7649	40	3	]	]	PUNCT
easat-7649	40	4	.	.	PUNCT
easat-7649	41	1	in	in	ADP
easat-7649	41	2	nepal	nepal	ADJ
easat-7649	41	3	,	,	PUNCT
easat-7649	41	4	where	where	SCONJ
easat-7649	41	5	approximately	approximately	ADV
easat-7649	41	6	20.27	20.27	NUM
easat-7649	41	7	%	%	NOUN
easat-7649	41	8	of	of	ADP
easat-7649	41	9	the	the	DET
easat-7649	41	10	population	population	NOUN
easat-7649	41	11	still	still	ADV
easat-7649	41	12	lives	live	VERB
easat-7649	41	13	below	below	ADP
easat-7649	41	14	the	the	DET
easat-7649	41	15	poverty	poverty	NOUN
easat-7649	41	16	line	line	NOUN
easat-7649	41	17	national	national	PROPN
easat-7649	41	18	statistics	statistics	PROPN
easat-7649	41	19	office	office	NOUN
easat-7649	41	20	[	[	X
easat-7649	41	21	6	6	NUM
easat-7649	41	22	]	]	X
easat-7649	41	23	microfinance	microfinance	NOUN
easat-7649	41	24	could	could	AUX
easat-7649	41	25	play	play	VERB
easat-7649	41	26	a	a	DET
easat-7649	41	27	transformative	transformative	ADJ
easat-7649	41	28	role	role	NOUN
easat-7649	41	29	.	.	PUNCT
easat-7649	42	1	sindhuli	sindhuli	PROPN
easat-7649	42	2	district	district	PROPN
easat-7649	42	3	,	,	PUNCT
easat-7649	42	4	with	with	ADP
easat-7649	42	5	a	a	DET
easat-7649	42	6	population	population	NOUN
easat-7649	42	7	of	of	ADP
easat-7649	42	8	about	about	ADP
easat-7649	42	9	300,026	300,026	NUM
easat-7649	42	10	where	where	SCONJ
easat-7649	42	11	female	female	ADJ
easat-7649	42	12	literacy	literacy	NOUN
easat-7649	42	13	remains	remain	VERB
easat-7649	42	14	lower	low	ADJ
easat-7649	42	15	than	than	SCONJ
easat-7649	42	16	the	the	DET
easat-7649	42	17	national	national	ADJ
easat-7649	42	18	average	average	NOUN
easat-7649	42	19	(	(	PUNCT
easat-7649	42	20	64.3	64.3	NUM
easat-7649	42	21	%	%	NOUN
easat-7649	42	22	)	)	PUNCT
easat-7649	42	23	presents	present	VERB
easat-7649	42	24	an	an	DET
easat-7649	42	25	important	important	ADJ
easat-7649	42	26	case	case	NOUN
easat-7649	42	27	for	for	ADP
easat-7649	42	28	examining	examine	VERB
easat-7649	42	29	the	the	DET
easat-7649	42	30	role	role	NOUN
easat-7649	42	31	of	of	ADP
easat-7649	42	32	microfinance	microfinance	NOUN
easat-7649	42	33	.	.	PUNCT
easat-7649	43	1	the	the	DET
easat-7649	43	2	district	district	NOUN
easat-7649	43	3	has	have	VERB
easat-7649	43	4	a	a	DET
easat-7649	43	5	notable	notable	ADJ
easat-7649	43	6	presence	presence	NOUN
easat-7649	43	7	of	of	ADP
easat-7649	43	8	financial	financial	ADJ
easat-7649	43	9	institutions	institution	NOUN
easat-7649	43	10	,	,	PUNCT
easat-7649	43	11	yet	yet	CCONJ
easat-7649	43	12	disparities	disparity	NOUN
easat-7649	43	13	persist	persist	VERB
easat-7649	43	14	,	,	PUNCT
easat-7649	43	15	particularly	particularly	ADV
easat-7649	43	16	for	for	ADP
easat-7649	43	17	women	woman	NOUN
easat-7649	43	18	.	.	PUNCT
easat-7649	44	1	microfinance	microfinance	NOUN
easat-7649	44	2	,	,	PUNCT
easat-7649	44	3	by	by	ADP
easat-7649	44	4	putting	put	VERB
easat-7649	44	5	financial	financial	ADJ
easat-7649	44	6	resources	resource	NOUN
easat-7649	44	7	directly	directly	ADV
easat-7649	44	8	into	into	ADP
easat-7649	44	9	women	woman	NOUN
easat-7649	44	10	's	's	PART
easat-7649	44	11	hands	hand	NOUN
easat-7649	44	12	,	,	PUNCT
easat-7649	44	13	has	have	VERB
easat-7649	44	14	the	the	DET
easat-7649	44	15	potential	potential	NOUN
easat-7649	44	16	to	to	PART
easat-7649	44	17	enhance	enhance	VERB
easat-7649	44	18	their	their	PRON
easat-7649	44	19	decision	decision	NOUN
easat-7649	44	20	-	-	PUNCT
easat-7649	44	21	making	make	VERB
easat-7649	44	22	power	power	NOUN
easat-7649	44	23	,	,	PUNCT
easat-7649	44	24	economic	economic	ADJ
easat-7649	44	25	autonomy	autonomy	NOUN
easat-7649	44	26	,	,	PUNCT
easat-7649	44	27	and	and	CCONJ
easat-7649	44	28	societal	societal	ADJ
easat-7649	44	29	status	status	NOUN
easat-7649	44	30	.	.	PUNCT
easat-7649	45	1	however	however	ADV
easat-7649	45	2	,	,	PUNCT
easat-7649	45	3	the	the	DET
easat-7649	45	4	global	global	PROPN
easat-7649	45	5	literature	literature	PROPN
easat-7649	45	6	presents	present	VERB
easat-7649	45	7	mixed	mixed	ADJ
easat-7649	45	8	findings	finding	NOUN
easat-7649	45	9	on	on	ADP
easat-7649	45	10	its	its	PRON
easat-7649	45	11	impact	impact	NOUN
easat-7649	45	12	[	[	X
easat-7649	45	13	11	11	NUM
easat-7649	45	14	]	]	PUNCT
easat-7649	45	15	.	.	PUNCT
easat-7649	46	1	while	while	SCONJ
easat-7649	46	2	some	some	DET
easat-7649	46	3	studies	study	NOUN
easat-7649	46	4	report	report	VERB
easat-7649	46	5	positive	positive	ADJ
easat-7649	46	6	effects	effect	NOUN
easat-7649	46	7	on	on	ADP
easat-7649	46	8	women	woman	NOUN
easat-7649	46	9	's	's	PART
easat-7649	46	10	income	income	NOUN
easat-7649	46	11	,	,	PUNCT
easat-7649	46	12	self	self	NOUN
easat-7649	46	13	-	-	PUNCT
easat-7649	46	14	esteem	esteem	NOUN
easat-7649	46	15	,	,	PUNCT
easat-7649	46	16	and	and	CCONJ
easat-7649	46	17	household	household	NOUN
easat-7649	46	18	roles	role	NOUN
easat-7649	46	19	,	,	PUNCT
easat-7649	46	20	others	other	NOUN
easat-7649	46	21	highlight	highlight	VERB
easat-7649	46	22	negative	negative	ADJ
easat-7649	46	23	outcomes	outcome	NOUN
easat-7649	46	24	such	such	ADJ
easat-7649	46	25	as	as	ADP
easat-7649	46	26	increased	increase	VERB
easat-7649	46	27	social	social	ADJ
easat-7649	46	28	pressure	pressure	NOUN
easat-7649	46	29	,	,	PUNCT
easat-7649	46	30	male	male	ADJ
easat-7649	46	31	appropriation	appropriation	NOUN
easat-7649	46	32	of	of	ADP
easat-7649	46	33	loans	loan	NOUN
easat-7649	46	34	,	,	PUNCT
easat-7649	46	35	or	or	CCONJ
easat-7649	46	36	minimal	minimal	ADJ
easat-7649	46	37	changes	change	NOUN
easat-7649	46	38	in	in	ADP
easat-7649	46	39	empowerment	empowerment	NOUN
easat-7649	46	40	[	[	X
easat-7649	46	41	12	12	NUM
easat-7649	46	42	]	]	PUNCT
easat-7649	46	43	.	.	PUNCT
easat-7649	47	1	given	give	VERB
easat-7649	47	2	these	these	DET
easat-7649	47	3	diverse	diverse	ADJ
easat-7649	47	4	findings	finding	NOUN
easat-7649	47	5	,	,	PUNCT
easat-7649	47	6	there	there	PRON
easat-7649	47	7	is	be	VERB
easat-7649	47	8	a	a	DET
easat-7649	47	9	need	need	NOUN
easat-7649	47	10	for	for	SCONJ
easat-7649	47	11	localized	localized	ADJ
easat-7649	47	12	research	research	NOUN
easat-7649	47	13	to	to	PART
easat-7649	47	14	understand	understand	VERB
easat-7649	47	15	how	how	SCONJ
easat-7649	47	16	microfinance	microfinance	NOUN
easat-7649	47	17	influences	influence	VERB
easat-7649	47	18	women	woman	NOUN
easat-7649	47	19	’s	’s	PART
easat-7649	47	20	empowerment	empowerment	NOUN
easat-7649	47	21	in	in	ADP
easat-7649	47	22	specific	specific	ADJ
easat-7649	47	23	socio	socio	NOUN
easat-7649	47	24	-	-	PUNCT
easat-7649	47	25	cultural	cultural	ADJ
easat-7649	47	26	contexts	context	NOUN
easat-7649	47	27	like	like	ADP
easat-7649	47	28	sindhuli	sindhuli	NOUN
easat-7649	47	29	.	.	PUNCT
easat-7649	48	1	thus	thus	ADV
easat-7649	48	2	,	,	PUNCT
easat-7649	48	3	this	this	DET
easat-7649	48	4	study	study	NOUN
easat-7649	48	5	,	,	PUNCT
easat-7649	48	6	titled	title	VERB
easat-7649	48	7	microfinance	microfinance	NOUN
easat-7649	48	8	as	as	ADP
easat-7649	48	9	a	a	DET
easat-7649	48	10	catalyst	catalyst	NOUN
easat-7649	48	11	for	for	ADP
easat-7649	48	12	women	woman	NOUN
easat-7649	48	13	's	's	PART
easat-7649	48	14	empowerment	empowerment	NOUN
easat-7649	48	15	:	:	PUNCT
easat-7649	48	16	a	a	DET
easat-7649	48	17	study	study	NOUN
easat-7649	48	18	of	of	ADP
easat-7649	48	19	sindhuli	sindhuli	PROPN
easat-7649	48	20	district	district	PROPN
easat-7649	48	21	,	,	PUNCT
easat-7649	48	22	nepal	nepal	ADJ
easat-7649	48	23	,	,	PUNCT
easat-7649	48	24	specifically	specifically	ADV
easat-7649	48	25	seeks	seek	VERB
easat-7649	48	26	to	to	PART
easat-7649	48	27	explore	explore	VERB
easat-7649	48	28	whether	whether	SCONJ
easat-7649	48	29	microfinance	microfinance	NOUN
easat-7649	48	30	services	service	NOUN
easat-7649	48	31	such	such	ADJ
easat-7649	48	32	as	as	ADP
easat-7649	48	33	micro	micro	NOUN
easat-7649	48	34	-	-	NOUN
easat-7649	48	35	savings	saving	NOUN
easat-7649	48	36	,	,	PUNCT
easat-7649	48	37	micro	micro	NOUN
easat-7649	48	38	-	-	NOUN
easat-7649	48	39	credit	credit	NOUN
easat-7649	48	40	,	,	PUNCT
easat-7649	48	41	microinsurance	microinsurance	NOUN
easat-7649	48	42	,	,	PUNCT
easat-7649	48	43	and	and	CCONJ
easat-7649	48	44	training	training	NOUN
easat-7649	48	45	and	and	CCONJ
easat-7649	48	46	advisory	advisory	ADJ
easat-7649	48	47	services	service	NOUN
easat-7649	48	48	have	have	AUX
easat-7649	48	49	had	have	VERB
easat-7649	48	50	a	a	DET
easat-7649	48	51	significant	significant	ADJ
easat-7649	48	52	impact	impact	NOUN
easat-7649	48	53	on	on	ADP
easat-7649	48	54	the	the	DET
easat-7649	48	55	economic	economic	ADJ
easat-7649	48	56	empowerment	empowerment	NOUN
easat-7649	48	57	of	of	ADP
easat-7649	48	58	women	woman	NOUN
easat-7649	48	59	in	in	ADP
easat-7649	48	60	sindhuli	sindhuli	PROPN
easat-7649	48	61	district	district	PROPN
easat-7649	48	62	.	.	PUNCT
easat-7649	49	1	in	in	ADP
easat-7649	49	2	doing	do	VERB
easat-7649	49	3	so	so	ADV
easat-7649	49	4	,	,	PUNCT
easat-7649	49	5	the	the	DET
easat-7649	49	6	research	research	NOUN
easat-7649	49	7	aims	aim	VERB
easat-7649	49	8	to	to	PART
easat-7649	49	9	contribute	contribute	VERB
easat-7649	49	10	to	to	ADP
easat-7649	49	11	the	the	DET
easat-7649	49	12	ongoing	ongoing	ADJ
easat-7649	49	13	global	global	ADJ
easat-7649	49	14	and	and	CCONJ
easat-7649	49	15	national	national	ADJ
easat-7649	49	16	debates	debate	NOUN
easat-7649	49	17	,	,	PUNCT
easat-7649	49	18	while	while	SCONJ
easat-7649	49	19	offering	offer	VERB
easat-7649	49	20	insights	insight	NOUN
easat-7649	49	21	that	that	PRON
easat-7649	49	22	can	can	AUX
easat-7649	49	23	inform	inform	VERB
easat-7649	49	24	policies	policy	NOUN
easat-7649	49	25	and	and	CCONJ
easat-7649	49	26	programs	program	NOUN
easat-7649	49	27	designed	design	VERB
easat-7649	49	28	to	to	PART
easat-7649	49	29	promote	promote	VERB
easat-7649	49	30	gender	gender	NOUN
easat-7649	49	31	equality	equality	NOUN
easat-7649	49	32	and	and	CCONJ
easat-7649	49	33	women	woman	NOUN
easat-7649	49	34	's	's	PART
easat-7649	49	35	development	development	NOUN
easat-7649	49	36	.	.	PUNCT
easat-7649	50	1	2	2	X
easat-7649	50	2	.	.	X
easat-7649	50	3	literature	literature	NOUN
easat-7649	50	4	review	review	NOUN
easat-7649	50	5	this	this	DET
easat-7649	50	6	study	study	NOUN
easat-7649	50	7	formulates	formulate	VERB
easat-7649	50	8	hypotheses	hypothesis	NOUN
easat-7649	50	9	based	base	VERB
easat-7649	50	10	on	on	ADP
easat-7649	50	11	existing	exist	VERB
easat-7649	50	12	empirical	empirical	ADJ
easat-7649	50	13	evidence	evidence	NOUN
easat-7649	50	14	to	to	PART
easat-7649	50	15	evaluate	evaluate	VERB
easat-7649	50	16	the	the	DET
easat-7649	50	17	role	role	NOUN
easat-7649	50	18	of	of	ADP
easat-7649	50	19	microfinance	microfinance	NOUN
easat-7649	50	20	in	in	ADP
easat-7649	50	21	fostering	foster	VERB
easat-7649	50	22	the	the	DET
easat-7649	50	23	economic	economic	ADJ
easat-7649	50	24	empowerment	empowerment	NOUN
easat-7649	50	25	of	of	ADP
easat-7649	50	26	women	woman	NOUN
easat-7649	50	27	in	in	ADP
easat-7649	50	28	sindhuli	sindhuli	PROPN
easat-7649	50	29	district	district	PROPN
easat-7649	50	30	,	,	PUNCT
easat-7649	50	31	nepal	nepal	ADJ
easat-7649	50	32	.	.	PUNCT
easat-7649	51	1	2.1	2.1	NUM
easat-7649	51	2	.	.	PUNCT
easat-7649	51	3	micro	micro	NOUN
easat-7649	51	4	-	-	NOUN
easat-7649	51	5	savings	saving	NOUN
easat-7649	51	6	and	and	CCONJ
easat-7649	51	7	women	woman	NOUN
easat-7649	51	8	’s	’s	PART
easat-7649	51	9	economic	economic	ADJ
easat-7649	51	10	empowerment	empowerment	NOUN
easat-7649	51	11	a	a	DET
easat-7649	51	12	case	case	NOUN
easat-7649	51	13	study	study	NOUN
easat-7649	51	14	of	of	ADP
easat-7649	51	15	banke	banke	PROPN
easat-7649	51	16	by	by	ADP
easat-7649	51	17	gautam	gautam	PROPN
easat-7649	52	1	[	[	X
easat-7649	52	2	13	13	NUM
easat-7649	52	3	]	]	PUNCT
easat-7649	52	4	observed	observe	VERB
easat-7649	52	5	that	that	SCONJ
easat-7649	52	6	participation	participation	NOUN
easat-7649	52	7	in	in	ADP
easat-7649	52	8	micro	micro	ADJ
easat-7649	52	9	-	-	ADJ
easat-7649	52	10	savings	savings	ADJ
easat-7649	52	11	programs	program	NOUN
easat-7649	52	12	substantially	substantially	ADV
easat-7649	52	13	improved	improve	VERB
easat-7649	52	14	women	woman	NOUN
easat-7649	52	15	's	's	PART
easat-7649	52	16	economic	economic	ADJ
easat-7649	52	17	standing	standing	NOUN
easat-7649	52	18	,	,	PUNCT
easat-7649	52	19	with	with	ADP
easat-7649	52	20	76	76	NUM
easat-7649	52	21	%	%	NOUN
easat-7649	52	22	reporting	reporting	NOUN
easat-7649	52	23	enhanced	enhance	VERB
easat-7649	52	24	financial	financial	ADJ
easat-7649	52	25	status	status	NOUN
easat-7649	52	26	and	and	CCONJ
easat-7649	52	27	84	84	NUM
easat-7649	52	28	%	%	NOUN
easat-7649	52	29	gaining	gain	VERB
easat-7649	52	30	greater	great	ADJ
easat-7649	52	31	familial	familial	ADJ
easat-7649	52	32	respect	respect	NOUN
easat-7649	52	33	.	.	PUNCT
easat-7649	53	1	micro	micro	NOUN
easat-7649	53	2	-	-	NOUN
easat-7649	53	3	savings	saving	NOUN
easat-7649	53	4	encourage	encourage	VERB
easat-7649	53	5	a	a	DET
easat-7649	53	6	culture	culture	NOUN
easat-7649	53	7	of	of	ADP
easat-7649	53	8	financial	financial	ADJ
easat-7649	53	9	discipline	discipline	NOUN
easat-7649	53	10	,	,	PUNCT
easat-7649	53	11	resource	resource	NOUN
easat-7649	53	12	accumulation	accumulation	NOUN
easat-7649	53	13	,	,	PUNCT
easat-7649	53	14	and	and	CCONJ
easat-7649	53	15	self	self	NOUN
easat-7649	53	16	-	-	PUNCT
easat-7649	53	17	reliance	reliance	NOUN
easat-7649	53	18	among	among	ADP
easat-7649	53	19	women	woman	NOUN
easat-7649	53	20	,	,	PUNCT
easat-7649	53	21	thereby	thereby	ADV
easat-7649	53	22	strengthening	strengthen	VERB
easat-7649	53	23	their	their	PRON
easat-7649	53	24	bargaining	bargaining	NOUN
easat-7649	53	25	power	power	NOUN
easat-7649	53	26	within	within	ADP
easat-7649	53	27	the	the	DET
easat-7649	53	28	household	household	NOUN
easat-7649	53	29	and	and	CCONJ
easat-7649	53	30	community	community	NOUN
easat-7649	53	31	[	[	X
easat-7649	53	32	14	14	NUM
easat-7649	53	33	]	]	PUNCT
easat-7649	53	34	.	.	PUNCT
easat-7649	54	1	hypothesis	hypothesis	NOUN
easat-7649	54	2	1	1	NUM
easat-7649	54	3	(	(	PUNCT
easat-7649	54	4	h1	h1	PROPN
easat-7649	54	5	):	):	PUNCT
easat-7649	54	6	micro	micro	NOUN
easat-7649	54	7	-	-	NOUN
easat-7649	54	8	savings	saving	NOUN
easat-7649	54	9	have	have	VERB
easat-7649	54	10	a	a	DET
easat-7649	54	11	significant	significant	ADJ
easat-7649	54	12	positive	positive	ADJ
easat-7649	54	13	impact	impact	NOUN
easat-7649	54	14	on	on	ADP
easat-7649	54	15	women	woman	NOUN
easat-7649	54	16	's	's	PART
easat-7649	54	17	economic	economic	ADJ
easat-7649	54	18	empowerment	empowerment	NOUN
easat-7649	54	19	.	.	PUNCT
easat-7649	55	1	2.2	2.2	NUM
easat-7649	55	2	.	.	PUNCT
easat-7649	56	1	microcredit	microcredit	NOUN
easat-7649	56	2	and	and	CCONJ
easat-7649	56	3	women	woman	NOUN
easat-7649	56	4	’s	’s	PART
easat-7649	56	5	economic	economic	ADJ
easat-7649	56	6	empowerment	empowerment	NOUN
easat-7649	56	7	gubhaju	gubhaju	NOUN
easat-7649	56	8	[	[	X
easat-7649	56	9	15	15	NUM
easat-7649	56	10	]	]	PUNCT
easat-7649	56	11	highlighted	highlight	VERB
easat-7649	56	12	that	that	SCONJ
easat-7649	56	13	microcredit	microcredit	NOUN
easat-7649	56	14	services	service	NOUN
easat-7649	56	15	positively	positively	ADV
easat-7649	56	16	influenced	influence	VERB
easat-7649	56	17	women	woman	NOUN
easat-7649	56	18	’s	’s	PART
easat-7649	56	19	income	income	NOUN
easat-7649	56	20	levels	level	NOUN
easat-7649	56	21	,	,	PUNCT
easat-7649	56	22	empowered	empower	VERB
easat-7649	56	23	them	they	PRON
easat-7649	56	24	to	to	PART
easat-7649	56	25	participate	participate	VERB
easat-7649	56	26	in	in	ADP
easat-7649	56	27	household	household	NOUN
easat-7649	56	28	decision	decision	NOUN
easat-7649	56	29	-	-	PUNCT
easat-7649	56	30	making	making	NOUN
easat-7649	56	31	,	,	PUNCT
easat-7649	56	32	and	and	CCONJ
easat-7649	56	33	improved	improve	VERB
easat-7649	56	34	the	the	DET
easat-7649	56	35	productivity	productivity	NOUN
easat-7649	56	36	of	of	ADP
easat-7649	56	37	their	their	PRON
easat-7649	56	38	enterprises	enterprise	NOUN
easat-7649	56	39	.	.	PUNCT
easat-7649	57	1	moreover	moreover	ADV
easat-7649	57	2	,	,	PUNCT
easat-7649	57	3	access	access	NOUN
easat-7649	57	4	to	to	ADP
easat-7649	57	5	microcredit	microcredit	NOUN
easat-7649	57	6	often	often	ADV
easat-7649	57	7	leads	lead	VERB
easat-7649	57	8	to	to	ADP
easat-7649	57	9	better	well	ADJ
easat-7649	57	10	health	health	NOUN
easat-7649	57	11	,	,	PUNCT
easat-7649	57	12	education	education	NOUN
easat-7649	57	13	,	,	PUNCT
easat-7649	57	14	and	and	CCONJ
easat-7649	57	15	welfare	welfare	NOUN
easat-7649	57	16	outcomes	outcome	NOUN
easat-7649	57	17	,	,	PUNCT
easat-7649	57	18	suggesting	suggest	VERB
easat-7649	57	19	a	a	DET
easat-7649	57	20	holistic	holistic	ADJ
easat-7649	57	21	advancement	advancement	NOUN
easat-7649	57	22	of	of	ADP
easat-7649	57	23	women	woman	NOUN
easat-7649	57	24	's	's	PART
easat-7649	57	25	economic	economic	ADJ
easat-7649	57	26	and	and	CCONJ
easat-7649	57	27	social	social	ADJ
easat-7649	57	28	status	status	NOUN
easat-7649	57	29	.	.	PUNCT
easat-7649	58	1	3082	3082	NUM
easat-7649	58	2	edelweiss	edelweiss	PROPN
easat-7649	58	3	applied	apply	VERB
easat-7649	58	4	science	science	NOUN
easat-7649	58	5	and	and	CCONJ
easat-7649	58	6	technology	technology	NOUN
easat-7649	58	7	issn	issn	PROPN
easat-7649	58	8	:	:	PUNCT
easat-7649	58	9	2576	2576	NUM
easat-7649	58	10	-	-	SYM
easat-7649	58	11	8484	8484	NUM
easat-7649	58	12	vol	vol	NOUN
easat-7649	58	13	.	.	PROPN
easat-7649	59	1	9	9	NUM
easat-7649	59	2	,	,	PUNCT
easat-7649	59	3	no	no	INTJ
easat-7649	59	4	.	.	NOUN
easat-7649	59	5	5	5	NUM
easat-7649	59	6	:	:	SYM
easat-7649	59	7	3080	3080	NUM
easat-7649	59	8	-	-	SYM
easat-7649	59	9	3092	3092	NUM
easat-7649	59	10	,	,	PUNCT
easat-7649	59	11	2025	2025	NUM
easat-7649	59	12	doi	doi	NOUN
easat-7649	59	13	:	:	PUNCT
easat-7649	59	14	10.55214/25768484.v9i5.7649	10.55214/25768484.v9i5.7649	NUM
easat-7649	59	15	©	©	PROPN
easat-7649	59	16	2025	2025	NUM
easat-7649	59	17	by	by	ADP
easat-7649	59	18	the	the	DET
easat-7649	59	19	authors	author	NOUN
easat-7649	59	20	;	;	PUNCT
easat-7649	59	21	licensee	licensee	PROPN
easat-7649	59	22	learning	learn	VERB
easat-7649	59	23	gate	gate	PROPN
easat-7649	59	24	hypothesis	hypothesis	NOUN
easat-7649	59	25	2	2	NUM
easat-7649	59	26	(	(	PUNCT
easat-7649	59	27	h2	h2	NOUN
easat-7649	59	28	):	):	PUNCT
easat-7649	59	29	microcredit	microcredit	PROPN
easat-7649	59	30	has	have	VERB
easat-7649	59	31	a	a	DET
easat-7649	59	32	significant	significant	ADJ
easat-7649	59	33	positive	positive	ADJ
easat-7649	59	34	impact	impact	NOUN
easat-7649	59	35	on	on	ADP
easat-7649	59	36	women	woman	NOUN
easat-7649	59	37	's	's	PART
easat-7649	59	38	economic	economic	ADJ
easat-7649	59	39	empowerment	empowerment	NOUN
easat-7649	59	40	.	.	PUNCT
easat-7649	60	1	2.3	2.3	NUM
easat-7649	60	2	.	.	X
easat-7649	61	1	micro	micro	NOUN
easat-7649	61	2	-	-	NOUN
easat-7649	61	3	insurance	insurance	NOUN
easat-7649	61	4	and	and	CCONJ
easat-7649	61	5	women	woman	NOUN
easat-7649	61	6	's	's	PART
easat-7649	61	7	economic	economic	ADJ
easat-7649	61	8	empowerment	empowerment	NOUN
easat-7649	61	9	review	review	NOUN
easat-7649	61	10	article	article	NOUN
easat-7649	61	11	by	by	ADP
easat-7649	61	12	mhella	mhella	NOUN
easat-7649	62	1	[	[	X
easat-7649	62	2	16	16	NUM
easat-7649	62	3	]	]	PUNCT
easat-7649	62	4	emphasized	emphasize	VERB
easat-7649	62	5	that	that	SCONJ
easat-7649	62	6	micro	micro	NOUN
easat-7649	62	7	-	-	NOUN
easat-7649	62	8	insurance	insurance	NOUN
easat-7649	62	9	offers	offer	VERB
easat-7649	62	10	more	more	ADJ
easat-7649	62	11	than	than	ADP
easat-7649	62	12	just	just	ADV
easat-7649	62	13	financial	financial	ADJ
easat-7649	62	14	protection	protection	NOUN
easat-7649	62	15	it	it	PRON
easat-7649	62	16	fosters	foster	VERB
easat-7649	62	17	social	social	ADJ
easat-7649	62	18	organization	organization	NOUN
easat-7649	62	19	,	,	PUNCT
easat-7649	62	20	capacity	capacity	NOUN
easat-7649	62	21	building	building	NOUN
easat-7649	62	22	,	,	PUNCT
easat-7649	62	23	and	and	CCONJ
easat-7649	62	24	the	the	DET
easat-7649	62	25	development	development	NOUN
easat-7649	62	26	of	of	ADP
easat-7649	62	27	enterprise	enterprise	NOUN
easat-7649	62	28	management	management	NOUN
easat-7649	62	29	skills	skill	NOUN
easat-7649	62	30	among	among	ADP
easat-7649	62	31	women	woman	NOUN
easat-7649	62	32	.	.	PUNCT
easat-7649	63	1	by	by	ADP
easat-7649	63	2	mitigating	mitigate	VERB
easat-7649	63	3	risks	risk	NOUN
easat-7649	63	4	and	and	CCONJ
easat-7649	63	5	encouraging	encourage	VERB
easat-7649	63	6	group	group	NOUN
easat-7649	63	7	solidarity	solidarity	NOUN
easat-7649	63	8	,	,	PUNCT
easat-7649	63	9	microinsurance	microinsurance	ADJ
easat-7649	63	10	empowers	empower	NOUN
easat-7649	63	11	women	woman	NOUN
easat-7649	63	12	to	to	PART
easat-7649	63	13	take	take	VERB
easat-7649	63	14	calculated	calculate	VERB
easat-7649	63	15	entrepreneurial	entrepreneurial	ADJ
easat-7649	63	16	risks	risk	NOUN
easat-7649	63	17	,	,	PUNCT
easat-7649	63	18	protect	protect	VERB
easat-7649	63	19	their	their	PRON
easat-7649	63	20	investments	investment	NOUN
easat-7649	63	21	,	,	PUNCT
easat-7649	63	22	and	and	CCONJ
easat-7649	63	23	enhance	enhance	VERB
easat-7649	63	24	their	their	PRON
easat-7649	63	25	long	long	ADJ
easat-7649	63	26	-	-	PUNCT
easat-7649	63	27	term	term	NOUN
easat-7649	63	28	economic	economic	ADJ
easat-7649	63	29	security	security	NOUN
easat-7649	63	30	[	[	X
easat-7649	63	31	17	17	NUM
easat-7649	63	32	]	]	PUNCT
easat-7649	63	33	.	.	PUNCT
easat-7649	64	1	hypothesis	hypothesis	NOUN
easat-7649	64	2	3	3	NUM
easat-7649	64	3	(	(	PUNCT
easat-7649	64	4	h3	h3	NOUN
easat-7649	64	5	):	):	PUNCT
easat-7649	64	6	micro	micro	NOUN
easat-7649	64	7	-	-	NOUN
easat-7649	64	8	insurance	insurance	NOUN
easat-7649	64	9	has	have	VERB
easat-7649	64	10	a	a	DET
easat-7649	64	11	significant	significant	ADJ
easat-7649	64	12	positive	positive	ADJ
easat-7649	64	13	impact	impact	NOUN
easat-7649	64	14	on	on	ADP
easat-7649	64	15	women	woman	NOUN
easat-7649	64	16	's	's	PART
easat-7649	64	17	economic	economic	ADJ
easat-7649	64	18	empowerment	empowerment	NOUN
easat-7649	64	19	.	.	PUNCT
easat-7649	65	1	2.4	2.4	NUM
easat-7649	65	2	.	.	PUNCT
easat-7649	66	1	training	training	NOUN
easat-7649	66	2	and	and	CCONJ
easat-7649	66	3	advisory	advisory	ADJ
easat-7649	66	4	services	service	NOUN
easat-7649	66	5	and	and	CCONJ
easat-7649	66	6	women	woman	NOUN
easat-7649	66	7	's	's	PART
easat-7649	66	8	economic	economic	ADJ
easat-7649	66	9	empowerment	empowerment	NOUN
easat-7649	66	10	microfinance	microfinance	NOUN
easat-7649	66	11	institutions	institution	NOUN
easat-7649	66	12	also	also	ADV
easat-7649	66	13	play	play	VERB
easat-7649	66	14	a	a	DET
easat-7649	66	15	critical	critical	ADJ
easat-7649	66	16	role	role	NOUN
easat-7649	66	17	in	in	ADP
easat-7649	66	18	providing	provide	VERB
easat-7649	66	19	training	training	NOUN
easat-7649	66	20	and	and	CCONJ
easat-7649	66	21	advisory	advisory	ADJ
easat-7649	66	22	services	service	NOUN
easat-7649	66	23	that	that	PRON
easat-7649	66	24	equip	equip	VERB
easat-7649	66	25	women	woman	NOUN
easat-7649	66	26	with	with	ADP
easat-7649	66	27	the	the	DET
easat-7649	66	28	knowledge	knowledge	NOUN
easat-7649	66	29	and	and	CCONJ
easat-7649	66	30	skills	skill	NOUN
easat-7649	66	31	necessary	necessary	ADJ
easat-7649	66	32	for	for	ADP
easat-7649	66	33	successful	successful	ADJ
easat-7649	66	34	enterprise	enterprise	NOUN
easat-7649	66	35	development	development	NOUN
easat-7649	66	36	.	.	PUNCT
easat-7649	67	1	training	training	NOUN
easat-7649	67	2	programs	program	NOUN
easat-7649	67	3	significantly	significantly	ADV
easat-7649	67	4	contribute	contribute	VERB
easat-7649	67	5	to	to	ADP
easat-7649	67	6	the	the	DET
easat-7649	67	7	socio	socio	NOUN
easat-7649	67	8	-	-	PUNCT
easat-7649	67	9	economic	economic	ADJ
easat-7649	67	10	transformation	transformation	NOUN
easat-7649	67	11	of	of	ADP
easat-7649	67	12	women	woman	NOUN
easat-7649	67	13	by	by	ADP
easat-7649	67	14	enhancing	enhance	VERB
easat-7649	67	15	their	their	PRON
easat-7649	67	16	business	business	NOUN
easat-7649	67	17	acumen	acuman	NOUN
easat-7649	67	18	,	,	PUNCT
easat-7649	67	19	self	self	NOUN
easat-7649	67	20	-	-	PUNCT
easat-7649	67	21	confidence	confidence	NOUN
easat-7649	67	22	,	,	PUNCT
easat-7649	67	23	and	and	CCONJ
easat-7649	67	24	ability	ability	NOUN
easat-7649	67	25	to	to	PART
easat-7649	67	26	navigate	navigate	VERB
easat-7649	67	27	market	market	NOUN
easat-7649	67	28	opportunities	opportunity	NOUN
easat-7649	67	29	[	[	X
easat-7649	67	30	18	18	NUM
easat-7649	67	31	]	]	PUNCT
easat-7649	67	32	.	.	PUNCT
easat-7649	68	1	skill	skill	NOUN
easat-7649	68	2	-	-	PUNCT
easat-7649	68	3	building	building	NOUN
easat-7649	68	4	initiatives	initiative	NOUN
easat-7649	68	5	not	not	PART
easat-7649	68	6	only	only	ADV
easat-7649	68	7	improve	improve	VERB
easat-7649	68	8	women	woman	NOUN
easat-7649	68	9	's	's	PART
easat-7649	68	10	economic	economic	ADJ
easat-7649	68	11	performance	performance	NOUN
easat-7649	68	12	but	but	CCONJ
easat-7649	68	13	also	also	ADV
easat-7649	68	14	contribute	contribute	VERB
easat-7649	68	15	to	to	ADP
easat-7649	68	16	their	their	PRON
easat-7649	68	17	leadership	leadership	NOUN
easat-7649	68	18	development	development	NOUN
easat-7649	68	19	within	within	ADP
easat-7649	68	20	communities	community	NOUN
easat-7649	68	21	.	.	PUNCT
easat-7649	69	1	hypothesis	hypothesis	NOUN
easat-7649	69	2	4	4	NUM
easat-7649	69	3	(	(	PUNCT
easat-7649	69	4	h4	h4	NOUN
easat-7649	69	5	):	):	PUNCT
easat-7649	69	6	training	training	NOUN
easat-7649	69	7	and	and	CCONJ
easat-7649	69	8	advisory	advisory	ADJ
easat-7649	69	9	services	service	NOUN
easat-7649	69	10	have	have	VERB
easat-7649	69	11	a	a	DET
easat-7649	69	12	significant	significant	ADJ
easat-7649	69	13	positive	positive	ADJ
easat-7649	69	14	impact	impact	NOUN
easat-7649	69	15	on	on	ADP
easat-7649	69	16	women	woman	NOUN
easat-7649	69	17	's	's	PART
easat-7649	69	18	economic	economic	ADJ
easat-7649	69	19	empowerment	empowerment	NOUN
easat-7649	69	20	.	.	PUNCT
easat-7649	70	1	2.5	2.5	NUM
easat-7649	70	2	.	.	PUNCT
easat-7649	71	1	conceptual	conceptual	ADJ
easat-7649	71	2	framework	framework	NOUN
easat-7649	71	3	from	from	ADP
easat-7649	71	4	the	the	DET
easat-7649	71	5	literature	literature	NOUN
easat-7649	71	6	reviewed	review	VERB
easat-7649	71	7	,	,	PUNCT
easat-7649	71	8	microfinance	microfinance	NOUN
easat-7649	71	9	program	program	NOUN
easat-7649	71	10	such	such	ADJ
easat-7649	71	11	as	as	ADP
easat-7649	71	12	micro	micro	NOUN
easat-7649	71	13	saving	saving	PROPN
easat-7649	71	14	,	,	PUNCT
easat-7649	71	15	micro	micro	ADJ
easat-7649	71	16	credit	credit	NOUN
easat-7649	71	17	,	,	PUNCT
easat-7649	71	18	micro	micro	NOUN
easat-7649	71	19	insurance	insurance	NOUN
easat-7649	71	20	and	and	CCONJ
easat-7649	71	21	training	training	NOUN
easat-7649	71	22	and	and	CCONJ
easat-7649	71	23	advisory	advisory	ADJ
easat-7649	71	24	services	service	NOUN
easat-7649	71	25	are	be	AUX
easat-7649	71	26	used	use	VERB
easat-7649	71	27	to	to	PART
easat-7649	71	28	examine	examine	VERB
easat-7649	71	29	the	the	DET
easat-7649	71	30	effect	effect	NOUN
easat-7649	71	31	of	of	ADP
easat-7649	71	32	microfinance	microfinance	NOUN
easat-7649	71	33	services	service	NOUN
easat-7649	71	34	on	on	ADP
easat-7649	71	35	women	woman	NOUN
easat-7649	71	36	empowerment	empowerment	NOUN
easat-7649	71	37	.	.	PUNCT
easat-7649	72	1	therefore	therefore	ADV
easat-7649	72	2	,	,	PUNCT
easat-7649	72	3	conceptual	conceptual	ADJ
easat-7649	72	4	framework	framework	NOUN
easat-7649	72	5	for	for	ADP
easat-7649	72	6	the	the	DET
easat-7649	72	7	research	research	NOUN
easat-7649	72	8	has	have	AUX
easat-7649	72	9	been	be	AUX
easat-7649	72	10	developed	develop	VERB
easat-7649	72	11	based	base	VERB
easat-7649	72	12	on	on	ADP
easat-7649	72	13	which	which	PRON
easat-7649	72	14	has	have	AUX
easat-7649	72	15	been	be	AUX
easat-7649	72	16	supported	support	VERB
easat-7649	72	17	by	by	ADP
easat-7649	72	18	gubhaju	gubhaju	NOUN
easat-7649	73	1	[	[	X
easat-7649	73	2	15	15	NUM
easat-7649	73	3	]	]	PUNCT
easat-7649	73	4	.	.	PUNCT
easat-7649	74	1	figure	figure	NOUN
easat-7649	74	2	1	1	NUM
easat-7649	74	3	.	.	PUNCT
easat-7649	74	4	conceptual	conceptual	ADJ
easat-7649	74	5	framework	framework	NOUN
easat-7649	74	6	.	.	PUNCT
easat-7649	75	1	2	2	X
easat-7649	75	2	.	.	X
easat-7649	75	3	research	research	NOUN
easat-7649	75	4	methodology	methodology	NOUN
easat-7649	75	5	this	this	DET
easat-7649	75	6	study	study	NOUN
easat-7649	75	7	adopts	adopt	VERB
easat-7649	75	8	a	a	DET
easat-7649	75	9	descriptive	descriptive	ADJ
easat-7649	75	10	and	and	CCONJ
easat-7649	75	11	explanatory	explanatory	ADJ
easat-7649	75	12	research	research	NOUN
easat-7649	75	13	design	design	NOUN
easat-7649	75	14	to	to	PART
easat-7649	75	15	analyze	analyze	VERB
easat-7649	75	16	the	the	DET
easat-7649	75	17	impact	impact	NOUN
easat-7649	75	18	of	of	ADP
easat-7649	75	19	microfinance	microfinance	NOUN
easat-7649	75	20	programs	program	NOUN
easat-7649	75	21	on	on	ADP
easat-7649	75	22	women	woman	NOUN
easat-7649	75	23	's	's	PART
easat-7649	75	24	economic	economic	ADJ
easat-7649	75	25	empowerment	empowerment	NOUN
easat-7649	75	26	in	in	ADP
easat-7649	75	27	the	the	DET
easat-7649	75	28	sindhuli	sindhuli	PROPN
easat-7649	75	29	district	district	PROPN
easat-7649	75	30	.	.	PUNCT
easat-7649	76	1	the	the	DET
easat-7649	76	2	target	target	NOUN
easat-7649	76	3	population	population	NOUN
easat-7649	76	4	consists	consist	VERB
easat-7649	76	5	of	of	ADP
easat-7649	76	6	all	all	DET
easat-7649	76	7	female	female	ADJ
easat-7649	76	8	clients	client	NOUN
easat-7649	76	9	affiliated	affiliate	VERB
easat-7649	76	10	with	with	ADP
easat-7649	76	11	microfinance	microfinance	NOUN
easat-7649	76	12	institutions	institution	NOUN
easat-7649	76	13	operating	operate	VERB
easat-7649	76	14	in	in	ADP
easat-7649	76	15	the	the	DET
easat-7649	76	16	sindhuli	sindhuli	PROPN
easat-7649	76	17	district	district	PROPN
easat-7649	76	18	.	.	PUNCT
easat-7649	77	1	according	accord	VERB
easat-7649	77	2	to	to	ADP
easat-7649	77	3	nepal	nepal	PROPN
easat-7649	77	4	rastra	rastra	PROPN
easat-7649	77	5	bank	bank	PROPN
easat-7649	77	6	[	[	X
easat-7649	77	7	19	19	NUM
easat-7649	77	8	]	]	X
easat-7649	77	9	there	there	PRON
easat-7649	77	10	are	be	VERB
easat-7649	77	11	fifty	fifty	NUM
easat-7649	77	12	-	-	PUNCT
easat-7649	77	13	five	five	NUM
easat-7649	77	14	microfinance	microfinance	NOUN
easat-7649	77	15	institutions	institution	NOUN
easat-7649	77	16	in	in	ADP
easat-7649	77	17	nepal	nepal	ADJ
easat-7649	77	18	.	.	PUNCT
easat-7649	78	1	the	the	DET
easat-7649	78	2	total	total	ADJ
easat-7649	78	3	female	female	ADJ
easat-7649	78	4	population	population	NOUN
easat-7649	78	5	of	of	ADP
easat-7649	78	6	sindhuli	sindhuli	PROPN
easat-7649	78	7	district	district	PROPN
easat-7649	78	8	is	be	AUX
easat-7649	78	9	approximately	approximately	ADV
easat-7649	78	10	153,013	153,013	NUM
easat-7649	78	11	.	.	PUNCT
easat-7649	79	1	however	however	ADV
easat-7649	79	2	,	,	PUNCT
easat-7649	79	3	since	since	SCONJ
easat-7649	79	4	the	the	DET
easat-7649	79	5	exact	exact	ADJ
easat-7649	79	6	number	number	NOUN
easat-7649	79	7	of	of	ADP
easat-7649	79	8	women	woman	NOUN
easat-7649	79	9	engaged	engage	VERB
easat-7649	79	10	with	with	ADP
easat-7649	79	11	microfinance	microfinance	NOUN
easat-7649	79	12	services	service	NOUN
easat-7649	79	13	is	be	AUX
easat-7649	79	14	unknown	unknown	ADJ
easat-7649	79	15	,	,	PUNCT
easat-7649	79	16	a	a	DET
easat-7649	79	17	sample	sample	NOUN
easat-7649	79	18	size	size	NOUN
easat-7649	79	19	of	of	ADP
easat-7649	79	20	385	385	NUM
easat-7649	79	21	respondents	respondent	NOUN
easat-7649	79	22	was	be	AUX
easat-7649	79	23	determined	determine	VERB
easat-7649	79	24	using	use	VERB
easat-7649	79	25	cochran	cochran	NOUN
easat-7649	79	26	’s	’s	PART
easat-7649	79	27	formula	formula	NOUN
easat-7649	79	28	:	:	PUNCT
easat-7649	79	29	3083	3083	NUM
easat-7649	79	30	edelweiss	edelweiss	PROPN
easat-7649	79	31	applied	apply	VERB
easat-7649	79	32	science	science	NOUN
easat-7649	79	33	and	and	CCONJ
easat-7649	79	34	technology	technology	NOUN
easat-7649	79	35	issn	issn	PROPN
easat-7649	79	36	:	:	PUNCT
easat-7649	79	37	2576	2576	NUM
easat-7649	79	38	-	-	SYM
easat-7649	79	39	8484	8484	NUM
easat-7649	79	40	vol	vol	NOUN
easat-7649	79	41	.	.	PROPN
easat-7649	80	1	9	9	NUM
easat-7649	80	2	,	,	PUNCT
easat-7649	80	3	no	no	INTJ
easat-7649	80	4	.	.	NOUN
easat-7649	80	5	5	5	NUM
easat-7649	80	6	:	:	SYM
easat-7649	80	7	3080	3080	NUM
easat-7649	80	8	-	-	SYM
easat-7649	80	9	3092	3092	NUM
easat-7649	80	10	,	,	PUNCT
easat-7649	80	11	2025	2025	NUM
easat-7649	80	12	doi	doi	NOUN
easat-7649	80	13	:	:	PUNCT
easat-7649	80	14	10.55214/25768484.v9i5.7649	10.55214/25768484.v9i5.7649	NUM
easat-7649	80	15	©	©	PROPN
easat-7649	80	16	2025	2025	NUM
easat-7649	80	17	by	by	ADP
easat-7649	80	18	the	the	DET
easat-7649	80	19	authors	author	NOUN
easat-7649	80	20	;	;	PUNCT
easat-7649	80	21	licensee	licensee	PROPN
easat-7649	80	22	learning	learning	NOUN
easat-7649	80	23	gate	gate	VERB
easat-7649	80	24	the	the	DET
easat-7649	80	25	primary	primary	ADJ
easat-7649	80	26	instrument	instrument	NOUN
easat-7649	80	27	used	use	VERB
easat-7649	80	28	for	for	ADP
easat-7649	80	29	data	datum	NOUN
easat-7649	80	30	collection	collection	NOUN
easat-7649	80	31	was	be	AUX
easat-7649	80	32	a	a	DET
easat-7649	80	33	structured	structured	ADJ
easat-7649	80	34	questionnaire	questionnaire	NOUN
easat-7649	80	35	,	,	PUNCT
easat-7649	80	36	designed	design	VERB
easat-7649	80	37	to	to	PART
easat-7649	80	38	operationalize	operationalize	VERB
easat-7649	80	39	the	the	DET
easat-7649	80	40	research	research	NOUN
easat-7649	80	41	objectives	objective	NOUN
easat-7649	80	42	into	into	ADP
easat-7649	80	43	measurable	measurable	ADJ
easat-7649	80	44	questions	question	NOUN
easat-7649	80	45	.	.	PUNCT
easat-7649	81	1	the	the	DET
easat-7649	81	2	questionnaire	questionnaire	NOUN
easat-7649	81	3	was	be	AUX
easat-7649	81	4	developed	develop	VERB
easat-7649	81	5	by	by	ADP
easat-7649	81	6	reviewing	review	VERB
easat-7649	81	7	previous	previous	ADJ
easat-7649	81	8	studies	study	NOUN
easat-7649	81	9	,	,	PUNCT
easat-7649	81	10	particularly	particularly	ADV
easat-7649	81	11	those	those	PRON
easat-7649	81	12	by	by	ADP
easat-7649	81	13	gubhaju	gubhaju	NOUN
easat-7649	82	1	[	[	X
easat-7649	82	2	15	15	NUM
easat-7649	82	3	]	]	PUNCT
easat-7649	82	4	and	and	CCONJ
easat-7649	82	5	gnawali	gnawali	VERB
easat-7649	82	6	[	[	X
easat-7649	82	7	20	20	NUM
easat-7649	82	8	]	]	PUNCT
easat-7649	82	9	ensuring	ensure	VERB
easat-7649	82	10	relevance	relevance	NOUN
easat-7649	82	11	and	and	CCONJ
easat-7649	82	12	validity	validity	NOUN
easat-7649	82	13	.	.	PUNCT
easat-7649	83	1	the	the	DET
easat-7649	83	2	questionnaire	questionnaire	NOUN
easat-7649	83	3	was	be	AUX
easat-7649	83	4	divided	divide	VERB
easat-7649	83	5	into	into	ADP
easat-7649	83	6	six	six	NUM
easat-7649	83	7	sections	section	NOUN
easat-7649	83	8	.	.	PUNCT
easat-7649	84	1	the	the	DET
easat-7649	84	2	first	first	ADJ
easat-7649	84	3	section	section	NOUN
easat-7649	84	4	captured	capture	VERB
easat-7649	84	5	the	the	DET
easat-7649	84	6	demographic	demographic	ADJ
easat-7649	84	7	profile	profile	NOUN
easat-7649	84	8	of	of	ADP
easat-7649	84	9	the	the	DET
easat-7649	84	10	respondents	respondent	NOUN
easat-7649	84	11	through	through	ADP
easat-7649	84	12	closed	closed	ADJ
easat-7649	84	13	-	-	PUNCT
easat-7649	84	14	ended	end	VERB
easat-7649	84	15	questions	question	NOUN
easat-7649	84	16	.	.	PUNCT
easat-7649	85	1	the	the	DET
easat-7649	85	2	subsequent	subsequent	ADJ
easat-7649	85	3	sections	section	NOUN
easat-7649	85	4	covered	cover	VERB
easat-7649	85	5	key	key	ADJ
easat-7649	85	6	constructs	construct	NOUN
easat-7649	85	7	:	:	PUNCT
easat-7649	85	8	micro	micro	NOUN
easat-7649	85	9	-	-	NOUN
easat-7649	85	10	savings	saving	NOUN
easat-7649	85	11	,	,	PUNCT
easat-7649	85	12	micro	micro	NOUN
easat-7649	85	13	-	-	NOUN
easat-7649	85	14	credit	credit	ADJ
easat-7649	85	15	,	,	PUNCT
easat-7649	85	16	micro	micro	NOUN
easat-7649	85	17	-	-	NOUN
easat-7649	85	18	insurance	insurance	NOUN
easat-7649	85	19	,	,	PUNCT
easat-7649	85	20	training	training	NOUN
easat-7649	85	21	and	and	CCONJ
easat-7649	85	22	advisory	advisory	ADJ
easat-7649	85	23	services	service	NOUN
easat-7649	85	24	,	,	PUNCT
easat-7649	85	25	and	and	CCONJ
easat-7649	85	26	women	woman	NOUN
easat-7649	85	27	's	's	PART
easat-7649	85	28	economic	economic	ADJ
easat-7649	85	29	empowerment	empowerment	NOUN
easat-7649	85	30	,	,	PUNCT
easat-7649	85	31	respectively	respectively	ADV
easat-7649	85	32	.	.	PUNCT
easat-7649	86	1	each	each	DET
easat-7649	86	2	construct	construct	NOUN
easat-7649	86	3	was	be	AUX
easat-7649	86	4	measured	measure	VERB
easat-7649	86	5	with	with	ADP
easat-7649	86	6	multiple	multiple	ADJ
easat-7649	86	7	items	item	NOUN
easat-7649	86	8	to	to	PART
easat-7649	86	9	ensure	ensure	VERB
easat-7649	86	10	comprehensive	comprehensive	ADJ
easat-7649	86	11	coverage	coverage	NOUN
easat-7649	86	12	of	of	ADP
easat-7649	86	13	the	the	DET
easat-7649	86	14	research	research	NOUN
easat-7649	86	15	variables	variable	NOUN
easat-7649	86	16	.	.	PUNCT
easat-7649	87	1	this	this	DET
easat-7649	87	2	research	research	NOUN
easat-7649	87	3	is	be	AUX
easat-7649	87	4	based	base	VERB
easat-7649	87	5	on	on	ADP
easat-7649	87	6	primary	primary	ADJ
easat-7649	87	7	data	datum	NOUN
easat-7649	87	8	collection	collection	NOUN
easat-7649	87	9	employing	employ	VERB
easat-7649	87	10	a	a	DET
easat-7649	87	11	quantitative	quantitative	ADJ
easat-7649	87	12	research	research	NOUN
easat-7649	87	13	approach	approach	NOUN
easat-7649	87	14	.	.	PUNCT
easat-7649	88	1	data	datum	NOUN
easat-7649	88	2	were	be	AUX
easat-7649	88	3	collected	collect	VERB
easat-7649	88	4	using	use	VERB
easat-7649	88	5	a	a	DET
easat-7649	88	6	combination	combination	NOUN
easat-7649	88	7	of	of	ADP
easat-7649	88	8	online	online	ADJ
easat-7649	88	9	and	and	CCONJ
easat-7649	88	10	printed	printed	ADJ
easat-7649	88	11	questionnaires	questionnaire	NOUN
easat-7649	88	12	.	.	PUNCT
easat-7649	89	1	specifically	specifically	ADV
easat-7649	89	2	,	,	PUNCT
easat-7649	89	3	490	490	NUM
easat-7649	89	4	respondents	respondent	NOUN
easat-7649	89	5	were	be	AUX
easat-7649	89	6	approached	approach	VERB
easat-7649	89	7	,	,	PUNCT
easat-7649	89	8	and	and	CCONJ
easat-7649	89	9	389	389	NUM
easat-7649	89	10	valid	valid	ADJ
easat-7649	89	11	responses	response	NOUN
easat-7649	89	12	were	be	AUX
easat-7649	89	13	received	receive	VERB
easat-7649	89	14	,	,	PUNCT
easat-7649	89	15	resulting	result	VERB
easat-7649	89	16	in	in	ADP
easat-7649	89	17	a	a	DET
easat-7649	89	18	response	response	NOUN
easat-7649	89	19	rate	rate	NOUN
easat-7649	89	20	of	of	ADP
easat-7649	89	21	79	79	NUM
easat-7649	89	22	%	%	NOUN
easat-7649	89	23	.	.	PUNCT
easat-7649	90	1	of	of	ADP
easat-7649	90	2	the	the	DET
easat-7649	90	3	total	total	ADJ
easat-7649	90	4	responses	response	NOUN
easat-7649	90	5	,	,	PUNCT
easat-7649	90	6	208	208	NUM
easat-7649	90	7	were	be	AUX
easat-7649	90	8	collected	collect	VERB
easat-7649	90	9	through	through	ADP
easat-7649	90	10	online	online	ADJ
easat-7649	90	11	google	google	PROPN
easat-7649	90	12	forms	form	NOUN
easat-7649	90	13	and	and	CCONJ
easat-7649	90	14	181	181	NUM
easat-7649	90	15	through	through	ADP
easat-7649	90	16	printed	print	VERB
easat-7649	90	17	questionnaires	questionnaire	NOUN
easat-7649	90	18	.	.	PUNCT
easat-7649	91	1	although	although	SCONJ
easat-7649	91	2	4	4	NUM
easat-7649	91	3	additional	additional	ADJ
easat-7649	91	4	responses	response	NOUN
easat-7649	91	5	were	be	AUX
easat-7649	91	6	collected	collect	VERB
easat-7649	91	7	beyond	beyond	ADP
easat-7649	91	8	the	the	DET
easat-7649	91	9	required	require	VERB
easat-7649	91	10	sample	sample	NOUN
easat-7649	91	11	size	size	NOUN
easat-7649	91	12	,	,	PUNCT
easat-7649	91	13	they	they	PRON
easat-7649	91	14	were	be	AUX
easat-7649	91	15	included	include	VERB
easat-7649	91	16	to	to	PART
easat-7649	91	17	account	account	VERB
easat-7649	91	18	for	for	ADP
easat-7649	91	19	any	any	DET
easat-7649	91	20	incomplete	incomplete	ADJ
easat-7649	91	21	or	or	CCONJ
easat-7649	91	22	invalid	invalid	ADJ
easat-7649	91	23	entries	entry	NOUN
easat-7649	91	24	.	.	PUNCT
easat-7649	92	1	for	for	ADP
easat-7649	92	2	data	data	NOUN
easat-7649	92	3	analysis	analysis	NOUN
easat-7649	92	4	,	,	PUNCT
easat-7649	92	5	the	the	DET
easat-7649	92	6	following	follow	VERB
easat-7649	92	7	steps	step	NOUN
easat-7649	92	8	were	be	AUX
easat-7649	92	9	followed	follow	VERB
easat-7649	92	10	:	:	PUNCT
easat-7649	92	11	normality	normality	NOUN
easat-7649	92	12	testing	testing	NOUN
easat-7649	92	13	:	:	PUNCT
easat-7649	92	14	initially	initially	ADV
easat-7649	92	15	,	,	PUNCT
easat-7649	92	16	data	datum	NOUN
easat-7649	92	17	were	be	AUX
easat-7649	92	18	assessed	assess	VERB
easat-7649	92	19	for	for	ADP
easat-7649	92	20	normality	normality	NOUN
easat-7649	92	21	using	use	VERB
easat-7649	92	22	linearity	linearity	NOUN
easat-7649	92	23	tests	test	NOUN
easat-7649	92	24	and	and	CCONJ
easat-7649	92	25	histograms	histogram	NOUN
easat-7649	92	26	to	to	PART
easat-7649	92	27	ensure	ensure	VERB
easat-7649	92	28	that	that	SCONJ
easat-7649	92	29	assumptions	assumption	NOUN
easat-7649	92	30	for	for	ADP
easat-7649	92	31	subsequent	subsequent	ADJ
easat-7649	92	32	analyses	analysis	NOUN
easat-7649	92	33	were	be	AUX
easat-7649	92	34	met	meet	VERB
easat-7649	92	35	.	.	PUNCT
easat-7649	93	1	descriptive	descriptive	ADJ
easat-7649	93	2	analysis	analysis	NOUN
easat-7649	93	3	:	:	PUNCT
easat-7649	93	4	descriptive	descriptive	ADJ
easat-7649	93	5	statistics	statistic	NOUN
easat-7649	93	6	were	be	AUX
easat-7649	93	7	used	use	VERB
easat-7649	93	8	to	to	PART
easat-7649	93	9	summarize	summarize	VERB
easat-7649	93	10	demographic	demographic	ADJ
easat-7649	93	11	characteristics	characteristic	NOUN
easat-7649	93	12	and	and	CCONJ
easat-7649	93	13	the	the	DET
easat-7649	93	14	distribution	distribution	NOUN
easat-7649	93	15	of	of	ADP
easat-7649	93	16	responses	response	NOUN
easat-7649	93	17	across	across	ADP
easat-7649	93	18	study	study	NOUN
easat-7649	93	19	variables	variable	NOUN
easat-7649	93	20	.	.	PUNCT
easat-7649	94	1	measurement	measurement	NOUN
easat-7649	94	2	model	model	NOUN
easat-7649	94	3	analysis	analysis	NOUN
easat-7649	94	4	:	:	PUNCT
easat-7649	94	5	to	to	PART
easat-7649	94	6	assess	assess	VERB
easat-7649	94	7	construct	construct	NOUN
easat-7649	94	8	validity	validity	NOUN
easat-7649	94	9	,	,	PUNCT
easat-7649	94	10	the	the	DET
easat-7649	94	11	measurement	measurement	NOUN
easat-7649	94	12	model	model	NOUN
easat-7649	94	13	was	be	AUX
easat-7649	94	14	evaluated	evaluate	VERB
easat-7649	94	15	using	use	VERB
easat-7649	94	16	smart	smart	ADJ
easat-7649	94	17	pls	pls	NOUN
easat-7649	94	18	software	software	NOUN
easat-7649	94	19	.	.	PUNCT
easat-7649	95	1	convergent	convergent	ADJ
easat-7649	95	2	validity	validity	NOUN
easat-7649	95	3	was	be	AUX
easat-7649	95	4	checked	check	VERB
easat-7649	95	5	using	use	VERB
easat-7649	95	6	criteria	criterion	NOUN
easat-7649	95	7	such	such	ADJ
easat-7649	95	8	as	as	ADP
easat-7649	95	9	composite	composite	ADJ
easat-7649	95	10	reliability	reliability	NOUN
easat-7649	95	11	(	(	PUNCT
easat-7649	95	12	threshold	threshold	NOUN
easat-7649	95	13	≥	≥	NUM
easat-7649	95	14	0.70	0.70	NUM
easat-7649	95	15	)	)	PUNCT
easat-7649	95	16	and	and	CCONJ
easat-7649	95	17	average	average	ADJ
easat-7649	95	18	variance	variance	NOUN
easat-7649	95	19	extracted	extract	VERB
easat-7649	95	20	(	(	PUNCT
easat-7649	95	21	ave	ave	PROPN
easat-7649	95	22	,	,	PUNCT
easat-7649	95	23	threshold	threshold	VERB
easat-7649	95	24	≥	≥	NOUN
easat-7649	95	25	0.50	0.50	NUM
easat-7649	95	26	)	)	PUNCT
easat-7649	95	27	as	as	SCONJ
easat-7649	95	28	suggested	suggest	VERB
easat-7649	95	29	by	by	ADP
easat-7649	95	30	henseler	henseler	NOUN
easat-7649	95	31	,	,	PUNCT
easat-7649	95	32	et	et	PROPN
easat-7649	95	33	al	al	PROPN
easat-7649	95	34	.	.	PUNCT
easat-7649	96	1	[	[	X
easat-7649	96	2	21	21	NUM
easat-7649	96	3	]	]	PUNCT
easat-7649	96	4	.	.	PUNCT
easat-7649	97	1	discriminant	discriminant	ADJ
easat-7649	97	2	validity	validity	NOUN
easat-7649	97	3	was	be	AUX
easat-7649	97	4	examined	examine	VERB
easat-7649	97	5	using	use	VERB
easat-7649	97	6	the	the	DET
easat-7649	97	7	fornell	fornell	ADJ
easat-7649	97	8	-	-	PUNCT
easat-7649	97	9	larcker	larcker	NOUN
easat-7649	97	10	criterion	criterion	NOUN
easat-7649	97	11	,	,	PUNCT
easat-7649	97	12	where	where	SCONJ
easat-7649	97	13	the	the	DET
easat-7649	97	14	square	square	ADJ
easat-7649	97	15	root	root	NOUN
easat-7649	97	16	of	of	ADP
easat-7649	97	17	each	each	DET
easat-7649	97	18	construct	construct	NOUN
easat-7649	97	19	’s	’s	PART
easat-7649	97	20	ave	ave	NOUN
easat-7649	97	21	must	must	AUX
easat-7649	97	22	be	be	AUX
easat-7649	97	23	higher	high	ADJ
easat-7649	97	24	than	than	ADP
easat-7649	97	25	its	its	PRON
easat-7649	97	26	correlations	correlation	NOUN
easat-7649	97	27	with	with	ADP
easat-7649	97	28	other	other	ADJ
easat-7649	97	29	constructs	construct	NOUN
easat-7649	97	30	.	.	PUNCT
easat-7649	98	1	additionally	additionally	ADV
easat-7649	98	2	,	,	PUNCT
easat-7649	98	3	the	the	DET
easat-7649	98	4	heterotrait	heterotrait	NOUN
easat-7649	98	5	-	-	PUNCT
easat-7649	98	6	monotrait	monotrait	NOUN
easat-7649	98	7	(	(	PUNCT
easat-7649	98	8	htmt	htmt	PROPN
easat-7649	98	9	)	)	PUNCT
easat-7649	98	10	ratio	ratio	NOUN
easat-7649	98	11	was	be	AUX
easat-7649	98	12	applied	apply	VERB
easat-7649	98	13	,	,	PUNCT
easat-7649	98	14	ensuring	ensure	VERB
easat-7649	98	15	values	value	NOUN
easat-7649	98	16	remained	remain	VERB
easat-7649	98	17	below	below	ADP
easat-7649	98	18	0.90	0.90	NUM
easat-7649	98	19	,	,	PUNCT
easat-7649	98	20	and	and	CCONJ
easat-7649	98	21	cross	cros	NOUN
easat-7649	98	22	-	-	NOUN
easat-7649	98	23	loadings	loading	NOUN
easat-7649	98	24	were	be	AUX
easat-7649	98	25	verified	verify	VERB
easat-7649	98	26	to	to	PART
easat-7649	98	27	be	be	AUX
easat-7649	98	28	below	below	ADP
easat-7649	98	29	0.70	0.70	NUM
easat-7649	98	30	[	[	X
easat-7649	98	31	21	21	NUM
easat-7649	98	32	,	,	PUNCT
easat-7649	98	33	22	22	NUM
easat-7649	98	34	]	]	PUNCT
easat-7649	98	35	.	.	PUNCT
easat-7649	99	1	correlation	correlation	NOUN
easat-7649	99	2	analysis	analysis	NOUN
easat-7649	99	3	:	:	PUNCT
easat-7649	99	4	finally	finally	ADV
easat-7649	99	5	,	,	PUNCT
easat-7649	99	6	correlation	correlation	NOUN
easat-7649	99	7	analysis	analysis	NOUN
easat-7649	99	8	was	be	AUX
easat-7649	99	9	conducted	conduct	VERB
easat-7649	99	10	to	to	PART
easat-7649	99	11	examine	examine	VERB
easat-7649	99	12	the	the	DET
easat-7649	99	13	strength	strength	NOUN
easat-7649	99	14	and	and	CCONJ
easat-7649	99	15	direction	direction	NOUN
easat-7649	99	16	of	of	ADP
easat-7649	99	17	the	the	DET
easat-7649	99	18	relationships	relationship	NOUN
easat-7649	99	19	between	between	ADP
easat-7649	99	20	the	the	DET
easat-7649	99	21	independent	independent	ADJ
easat-7649	99	22	variables	variable	NOUN
easat-7649	99	23	(	(	PUNCT
easat-7649	99	24	micro	micro	NOUN
easat-7649	99	25	-	-	NOUN
easat-7649	99	26	savings	saving	NOUN
easat-7649	99	27	,	,	PUNCT
easat-7649	99	28	micro	micro	NOUN
easat-7649	99	29	-	-	NOUN
easat-7649	99	30	credit	credit	NOUN
easat-7649	99	31	,	,	PUNCT
easat-7649	99	32	microinsurance	microinsurance	NOUN
easat-7649	99	33	,	,	PUNCT
easat-7649	99	34	and	and	CCONJ
easat-7649	99	35	training	training	NOUN
easat-7649	99	36	and	and	CCONJ
easat-7649	99	37	advisory	advisory	ADJ
easat-7649	99	38	services	service	NOUN
easat-7649	99	39	)	)	PUNCT
easat-7649	99	40	and	and	CCONJ
easat-7649	99	41	the	the	DET
easat-7649	99	42	dependent	dependent	ADJ
easat-7649	99	43	variable	variable	NOUN
easat-7649	99	44	(	(	PUNCT
easat-7649	99	45	women	woman	NOUN
easat-7649	99	46	's	's	PART
easat-7649	99	47	economic	economic	ADJ
easat-7649	99	48	empowerment	empowerment	NOUN
easat-7649	99	49	)	)	PUNCT
easat-7649	99	50	.	.	PUNCT
easat-7649	100	1	table	table	NOUN
easat-7649	101	1	1	1	NUM
easat-7649	101	2	.	.	PUNCT
easat-7649	101	3	demographic	demographic	ADJ
easat-7649	101	4	profile	profile	NOUN
easat-7649	101	5	of	of	ADP
easat-7649	101	6	respondents	respondent	NOUN
easat-7649	101	7	.	.	PUNCT
easat-7649	102	1	demographic	demographic	ADJ
easat-7649	102	2	variables	variable	NOUN
easat-7649	102	3	frequency	frequency	NOUN
easat-7649	102	4	percentage	percentage	NOUN
easat-7649	102	5	16	16	NUM
easat-7649	102	6	to	to	PART
easat-7649	102	7	25	25	NUM
easat-7649	102	8	82	82	NUM
easat-7649	102	9	21.3	21.3	NUM
easat-7649	102	10	26	26	NUM
easat-7649	102	11	to	to	PART
easat-7649	102	12	35	35	NUM
easat-7649	102	13	109	109	NUM
easat-7649	102	14	28.3	28.3	NUM
easat-7649	102	15	age	age	NOUN
easat-7649	102	16	36	36	NUM
easat-7649	102	17	to	to	PART
easat-7649	102	18	45	45	NUM
easat-7649	102	19	158	158	NUM
easat-7649	102	20	41.0	41.0	NUM
easat-7649	102	21	literate	literate	ADJ
easat-7649	102	22	34	34	NUM
easat-7649	102	23	8.8	8.8	NUM
easat-7649	102	24	secondary	secondary	ADJ
easat-7649	102	25	122	122	NUM
easat-7649	102	26	31.7	31.7	NUM
easat-7649	102	27	educational	educational	ADJ
easat-7649	102	28	qualification	qualification	NOUN
easat-7649	102	29	intermediate	intermediate	ADJ
easat-7649	102	30	174	174	NUM
easat-7649	102	31	45.2	45.2	NUM
easat-7649	102	32	unmarried	unmarried	ADJ
easat-7649	102	33	132	132	NUM
easat-7649	102	34	34.3	34.3	NUM
easat-7649	102	35	married	marry	VERB
easat-7649	102	36	171	171	NUM
easat-7649	102	37	44.4	44.4	NUM
easat-7649	102	38	marital	marital	ADJ
easat-7649	102	39	status	status	NOUN
easat-7649	102	40	divorced	divorce	VERB
easat-7649	102	41	13	13	NUM
easat-7649	102	42	3.4	3.4	NUM
easat-7649	102	43	less	less	ADJ
easat-7649	102	44	than	than	ADP
easat-7649	102	45	15000	15000	NUM
easat-7649	102	46	106	106	NUM
easat-7649	102	47	27.5	27.5	NUM
easat-7649	102	48	15000	15000	NUM
easat-7649	102	49	to	to	ADP
easat-7649	102	50	30000	30000	NUM
easat-7649	102	51	150	150	NUM
easat-7649	102	52	39.0	39.0	NUM
easat-7649	102	53	monthly	monthly	ADJ
easat-7649	102	54	income	income	NOUN
easat-7649	102	55	30000	30000	NUM
easat-7649	102	56	to	to	ADP
easat-7649	102	57	45000	45000	NUM
easat-7649	102	58	116	116	NUM
easat-7649	102	59	30.1	30.1	NUM
easat-7649	102	60	45000	45000	NUM
easat-7649	102	61	and	and	CCONJ
easat-7649	102	62	above	above	ADP
easat-7649	102	63	13	13	NUM
easat-7649	102	64	3.4	3.4	NUM
easat-7649	102	65	3084	3084	NUM
easat-7649	102	66	edelweiss	edelweiss	PROPN
easat-7649	102	67	applied	apply	VERB
easat-7649	102	68	science	science	NOUN
easat-7649	102	69	and	and	CCONJ
easat-7649	102	70	technology	technology	NOUN
easat-7649	102	71	issn	issn	PROPN
easat-7649	102	72	:	:	PUNCT
easat-7649	102	73	2576	2576	NUM
easat-7649	102	74	-	-	SYM
easat-7649	102	75	8484	8484	NUM
easat-7649	102	76	vol	vol	NOUN
easat-7649	102	77	.	.	PROPN
easat-7649	103	1	9	9	NUM
easat-7649	103	2	,	,	PUNCT
easat-7649	103	3	no	no	INTJ
easat-7649	103	4	.	.	NOUN
easat-7649	103	5	5	5	NUM
easat-7649	103	6	:	:	SYM
easat-7649	103	7	3080	3080	NUM
easat-7649	103	8	-	-	SYM
easat-7649	103	9	3092	3092	NUM
easat-7649	103	10	,	,	PUNCT
easat-7649	103	11	2025	2025	NUM
easat-7649	103	12	doi	doi	NOUN
easat-7649	103	13	:	:	PUNCT
easat-7649	103	14	10.55214/25768484.v9i5.7649	10.55214/25768484.v9i5.7649	NUM
easat-7649	103	15	©	©	PROPN
easat-7649	103	16	2025	2025	NUM
easat-7649	103	17	by	by	ADP
easat-7649	103	18	the	the	DET
easat-7649	103	19	authors	author	NOUN
easat-7649	103	20	;	;	PUNCT
easat-7649	103	21	licensee	licensee	PROPN
easat-7649	103	22	learning	learning	NOUN
easat-7649	103	23	gate	gate	NOUN
easat-7649	103	24	3	3	PROPN
easat-7649	103	25	.	.	PUNCT
easat-7649	103	26	results	result	NOUN
easat-7649	103	27	this	this	DET
easat-7649	103	28	section	section	NOUN
easat-7649	103	29	presents	present	VERB
easat-7649	103	30	and	and	CCONJ
easat-7649	103	31	analyzes	analyze	VERB
easat-7649	103	32	the	the	DET
easat-7649	103	33	primary	primary	ADJ
easat-7649	103	34	data	datum	NOUN
easat-7649	103	35	collected	collect	VERB
easat-7649	103	36	through	through	ADP
easat-7649	103	37	a	a	DET
easat-7649	103	38	survey	survey	NOUN
easat-7649	103	39	,	,	PUNCT
easat-7649	103	40	testing	test	VERB
easat-7649	103	41	the	the	DET
easat-7649	103	42	data	datum	NOUN
easat-7649	103	43	in	in	ADP
easat-7649	103	44	detail	detail	NOUN
easat-7649	103	45	.	.	PUNCT
easat-7649	104	1	3.1	3.1	NUM
easat-7649	104	2	.	.	PUNCT
easat-7649	104	3	demographic	demographic	ADJ
easat-7649	104	4	profile	profile	NOUN
easat-7649	104	5	table	table	NOUN
easat-7649	104	6	1	1	NUM
easat-7649	104	7	presents	present	VERB
easat-7649	104	8	the	the	DET
easat-7649	104	9	demographic	demographic	ADJ
easat-7649	104	10	profile	profile	NOUN
easat-7649	104	11	of	of	ADP
easat-7649	104	12	the	the	DET
easat-7649	104	13	participants	participant	NOUN
easat-7649	104	14	in	in	ADP
easat-7649	104	15	this	this	DET
easat-7649	104	16	survey	survey	NOUN
easat-7649	104	17	,	,	PUNCT
easat-7649	104	18	categorized	categorize	VERB
easat-7649	104	19	into	into	ADP
easat-7649	104	20	four	four	NUM
easat-7649	104	21	main	main	ADJ
easat-7649	104	22	groups	group	NOUN
easat-7649	104	23	:	:	PUNCT
easat-7649	104	24	age	age	NOUN
easat-7649	104	25	,	,	PUNCT
easat-7649	104	26	marital	marital	ADJ
easat-7649	104	27	status	status	NOUN
easat-7649	104	28	,	,	PUNCT
easat-7649	104	29	educational	educational	ADJ
easat-7649	104	30	qualification	qualification	NOUN
easat-7649	104	31	,	,	PUNCT
easat-7649	104	32	and	and	CCONJ
easat-7649	104	33	monthly	monthly	ADJ
easat-7649	104	34	income	income	NOUN
easat-7649	104	35	.	.	PUNCT
easat-7649	105	1	among	among	ADP
easat-7649	105	2	the	the	DET
easat-7649	105	3	385	385	NUM
easat-7649	105	4	respondents	respondent	NOUN
easat-7649	105	5	,	,	PUNCT
easat-7649	105	6	21.3	21.3	NUM
easat-7649	105	7	%	%	NOUN
easat-7649	105	8	were	be	AUX
easat-7649	105	9	aged	age	VERB
easat-7649	105	10	between	between	ADP
easat-7649	105	11	16	16	NUM
easat-7649	105	12	and	and	CCONJ
easat-7649	105	13	25	25	NUM
easat-7649	105	14	,	,	PUNCT
easat-7649	105	15	28.3	28.3	NUM
easat-7649	105	16	%	%	NOUN
easat-7649	105	17	were	be	AUX
easat-7649	105	18	between	between	ADP
easat-7649	105	19	26	26	NUM
easat-7649	105	20	and	and	CCONJ
easat-7649	105	21	35	35	NUM
easat-7649	105	22	,	,	PUNCT
easat-7649	105	23	and	and	CCONJ
easat-7649	105	24	41	41	NUM
easat-7649	105	25	%	%	NOUN
easat-7649	105	26	were	be	AUX
easat-7649	105	27	in	in	ADP
easat-7649	105	28	the	the	DET
easat-7649	105	29	36	36	NUM
easat-7649	105	30	to	to	PART
easat-7649	105	31	45	45	NUM
easat-7649	105	32	age	age	NOUN
easat-7649	105	33	group	group	NOUN
easat-7649	105	34	,	,	PUNCT
easat-7649	105	35	which	which	PRON
easat-7649	105	36	is	be	AUX
easat-7649	105	37	the	the	DET
easat-7649	105	38	largest	large	ADJ
easat-7649	105	39	group	group	NOUN
easat-7649	105	40	compared	compare	VERB
easat-7649	105	41	to	to	ADP
easat-7649	105	42	others	other	NOUN
easat-7649	105	43	.	.	PUNCT
easat-7649	106	1	respondents	respondent	NOUN
easat-7649	106	2	aged	age	VERB
easat-7649	106	3	46	46	NUM
easat-7649	106	4	and	and	CCONJ
easat-7649	106	5	above	above	ADV
easat-7649	106	6	made	make	VERB
easat-7649	106	7	up	up	ADP
easat-7649	106	8	9.4	9.4	NUM
easat-7649	106	9	%	%	NOUN
easat-7649	106	10	.	.	PUNCT
easat-7649	107	1	clearly	clearly	ADV
easat-7649	107	2	,	,	PUNCT
easat-7649	107	3	the	the	DET
easat-7649	107	4	36	36	NUM
easat-7649	107	5	to	to	PART
easat-7649	107	6	45	45	NUM
easat-7649	107	7	age	age	NOUN
easat-7649	107	8	group	group	NOUN
easat-7649	107	9	has	have	VERB
easat-7649	107	10	the	the	DET
easat-7649	107	11	highest	high	ADJ
easat-7649	107	12	representation	representation	NOUN
easat-7649	107	13	.	.	PUNCT
easat-7649	108	1	in	in	ADP
easat-7649	108	2	terms	term	NOUN
easat-7649	108	3	of	of	ADP
easat-7649	108	4	educational	educational	ADJ
easat-7649	108	5	qualifications	qualification	NOUN
easat-7649	108	6	,	,	PUNCT
easat-7649	108	7	8.8	8.8	NUM
easat-7649	108	8	%	%	NOUN
easat-7649	108	9	of	of	ADP
easat-7649	108	10	respondents	respondent	NOUN
easat-7649	108	11	were	be	AUX
easat-7649	108	12	literate	literate	ADJ
easat-7649	108	13	,	,	PUNCT
easat-7649	108	14	31.7	31.7	NUM
easat-7649	108	15	%	%	NOUN
easat-7649	108	16	had	have	VERB
easat-7649	108	17	a	a	DET
easat-7649	108	18	secondary	secondary	ADJ
easat-7649	108	19	level	level	NOUN
easat-7649	108	20	education	education	NOUN
easat-7649	108	21	,	,	PUNCT
easat-7649	108	22	45.2	45.2	NUM
easat-7649	108	23	%	%	NOUN
easat-7649	108	24	held	hold	VERB
easat-7649	108	25	an	an	DET
easat-7649	108	26	intermediate	intermediate	ADJ
easat-7649	108	27	qualification	qualification	NOUN
easat-7649	108	28	,	,	PUNCT
easat-7649	108	29	and	and	CCONJ
easat-7649	108	30	14.3	14.3	NUM
easat-7649	108	31	%	%	NOUN
easat-7649	108	32	had	have	VERB
easat-7649	108	33	a	a	DET
easat-7649	108	34	bachelor	bachelor	NOUN
easat-7649	108	35	's	's	PART
easat-7649	108	36	degree	degree	NOUN
easat-7649	108	37	or	or	CCONJ
easat-7649	108	38	higher	high	ADJ
easat-7649	108	39	.	.	PUNCT
easat-7649	109	1	the	the	DET
easat-7649	109	2	majority	majority	NOUN
easat-7649	109	3	of	of	ADP
easat-7649	109	4	respondents	respondent	NOUN
easat-7649	109	5	(	(	PUNCT
easat-7649	109	6	45.2	45.2	NUM
easat-7649	109	7	%	%	NOUN
easat-7649	109	8	)	)	PUNCT
easat-7649	109	9	have	have	VERB
easat-7649	109	10	an	an	DET
easat-7649	109	11	intermediate	intermediate	ADJ
easat-7649	109	12	level	level	NOUN
easat-7649	109	13	of	of	ADP
easat-7649	109	14	education	education	NOUN
easat-7649	109	15	.	.	PUNCT
easat-7649	110	1	regarding	regard	VERB
easat-7649	110	2	marital	marital	ADJ
easat-7649	110	3	status	status	NOUN
easat-7649	110	4	,	,	PUNCT
easat-7649	110	5	34.3	34.3	NUM
easat-7649	110	6	%	%	NOUN
easat-7649	110	7	of	of	ADP
easat-7649	110	8	respondents	respondent	NOUN
easat-7649	110	9	were	be	AUX
easat-7649	110	10	unmarried	unmarried	ADJ
easat-7649	110	11	,	,	PUNCT
easat-7649	110	12	44.4	44.4	NUM
easat-7649	110	13	%	%	NOUN
easat-7649	110	14	were	be	AUX
easat-7649	110	15	married	marry	VERB
easat-7649	110	16	,	,	PUNCT
easat-7649	110	17	3.4	3.4	NUM
easat-7649	110	18	%	%	NOUN
easat-7649	110	19	were	be	AUX
easat-7649	110	20	divorced	divorce	VERB
easat-7649	110	21	,	,	PUNCT
easat-7649	110	22	and	and	CCONJ
easat-7649	110	23	17.9	17.9	NUM
easat-7649	110	24	%	%	NOUN
easat-7649	110	25	were	be	AUX
easat-7649	110	26	widowed	widow	VERB
easat-7649	110	27	,	,	PUNCT
easat-7649	110	28	indicating	indicate	VERB
easat-7649	110	29	that	that	SCONJ
easat-7649	110	30	most	most	ADJ
easat-7649	110	31	respondents	respondent	NOUN
easat-7649	110	32	were	be	AUX
easat-7649	110	33	married	marry	VERB
easat-7649	110	34	.	.	PUNCT
easat-7649	111	1	for	for	ADP
easat-7649	111	2	monthly	monthly	ADJ
easat-7649	111	3	income	income	NOUN
easat-7649	111	4	,	,	PUNCT
easat-7649	111	5	27.5	27.5	NUM
easat-7649	111	6	%	%	NOUN
easat-7649	111	7	of	of	ADP
easat-7649	111	8	respondents	respondent	NOUN
easat-7649	111	9	earned	earn	VERB
easat-7649	111	10	less	less	ADJ
easat-7649	111	11	than	than	ADP
easat-7649	111	12	15,000	15,000	NUM
easat-7649	111	13	,	,	PUNCT
easat-7649	111	14	39	39	NUM
easat-7649	111	15	%	%	NOUN
easat-7649	111	16	earned	earn	VERB
easat-7649	111	17	between	between	ADP
easat-7649	111	18	15,000	15,000	NUM
easat-7649	111	19	and	and	CCONJ
easat-7649	111	20	30,000	30,000	NUM
easat-7649	111	21	,	,	PUNCT
easat-7649	111	22	30.1	30.1	NUM
easat-7649	111	23	%	%	NOUN
easat-7649	111	24	earned	earn	VERB
easat-7649	111	25	between	between	ADP
easat-7649	111	26	30,000	30,000	NUM
easat-7649	111	27	and	and	CCONJ
easat-7649	111	28	45,000	45,000	NUM
easat-7649	111	29	,	,	PUNCT
easat-7649	111	30	and	and	CCONJ
easat-7649	111	31	3.4	3.4	NUM
easat-7649	111	32	%	%	NOUN
easat-7649	111	33	earned	earn	VERB
easat-7649	111	34	above	above	ADP
easat-7649	111	35	40,000	40,000	NUM
easat-7649	111	36	.	.	PUNCT
easat-7649	112	1	it	it	PRON
easat-7649	112	2	is	be	AUX
easat-7649	112	3	clear	clear	ADJ
easat-7649	112	4	that	that	SCONJ
easat-7649	112	5	the	the	DET
easat-7649	112	6	largest	large	ADJ
easat-7649	112	7	group	group	NOUN
easat-7649	112	8	of	of	ADP
easat-7649	112	9	respondents	respondent	NOUN
easat-7649	112	10	falls	fall	VERB
easat-7649	112	11	within	within	ADP
easat-7649	112	12	the	the	DET
easat-7649	112	13	15,000	15,000	NUM
easat-7649	112	14	to	to	PART
easat-7649	112	15	30,000	30,000	NUM
easat-7649	112	16	income	income	NOUN
easat-7649	112	17	range	range	NOUN
easat-7649	112	18	.	.	PUNCT
easat-7649	113	1	3.2	3.2	NUM
easat-7649	113	2	.	.	PUNCT
easat-7649	113	3	descriptive	descriptive	ADJ
easat-7649	113	4	statistic	statistic	NOUN
easat-7649	113	5	table	table	NOUN
easat-7649	113	6	2	2	NUM
easat-7649	113	7	.	.	PUNCT
easat-7649	113	8	descriptive	descriptive	ADJ
easat-7649	113	9	statistics	statistic	NOUN
easat-7649	113	10	.	.	PUNCT
easat-7649	114	1	variable	variable	ADJ
easat-7649	114	2	mean	mean	VERB
easat-7649	114	3	standard	standard	ADJ
easat-7649	114	4	deviation	deviation	NOUN
easat-7649	114	5	skewness	skewness	NOUN
easat-7649	114	6	kurtosis	kurtosis	VERB
easat-7649	114	7	standard	standard	ADJ
easat-7649	114	8	error	error	NOUN
easat-7649	114	9	maximum	maximum	ADJ
easat-7649	114	10	minimum	minimum	NOUN
easat-7649	114	11	micro	micro	NOUN
easat-7649	114	12	saving	save	VERB
easat-7649	114	13	3.9721	3.9721	NUM
easat-7649	114	14	0.9892	0.9892	NUM
easat-7649	114	15	-1.25	-1.25	NOUN
easat-7649	114	16	0.6	0.6	NUM
easat-7649	114	17	0.0504	0.0504	NUM
easat-7649	114	18	5	5	NUM
easat-7649	114	19	1	1	NUM
easat-7649	114	20	micro	micro	NOUN
easat-7649	114	21	credit	credit	NOUN
easat-7649	114	22	3.94	3.94	NUM
easat-7649	114	23	1.052	1.052	NUM
easat-7649	114	24	-1.227	-1.227	NUM
easat-7649	114	25	0.337	0.337	NUM
easat-7649	114	26	0.95576	0.95576	NUM
easat-7649	114	27	5	5	NUM
easat-7649	114	28	1	1	NUM
easat-7649	114	29	micro	micro	NOUN
easat-7649	114	30	insurance	insurance	NOUN
easat-7649	114	31	3.86	3.86	NUM
easat-7649	114	32	1.064	1.064	NUM
easat-7649	114	33	-1.16	-1.16	NUM
easat-7649	114	34	0.214	0.214	NUM
easat-7649	114	35	0.0543	0.0543	NUM
easat-7649	114	36	5	5	NUM
easat-7649	114	37	1	1	NUM
easat-7649	114	38	training	training	NOUN
easat-7649	114	39	and	and	CCONJ
easat-7649	114	40	advisory	advisory	ADJ
easat-7649	114	41	services	service	NOUN
easat-7649	114	42	3.8682	3.8682	NUM
easat-7649	114	43	1.043	1.043	NUM
easat-7649	114	44	-1.227	-1.227	SYM
easat-7649	114	45	0.337	0.337	NUM
easat-7649	114	46	0.053	0.053	NUM
easat-7649	114	47	5	5	NUM
easat-7649	114	48	1	1	NUM
easat-7649	114	49	women	woman	NOUN
easat-7649	114	50	economic	economic	ADJ
easat-7649	114	51	empowerment	empowerment	NOUN
easat-7649	114	52	4.045	4.045	NUM
easat-7649	114	53	1.0438	1.0438	NUM
easat-7649	114	54	-1.636	-1.636	NOUN
easat-7649	114	55	1.847	1.847	NUM
easat-7649	114	56	0.9557	0.9557	NUM
easat-7649	114	57	5	5	NUM
easat-7649	114	58	1	1	NUM
easat-7649	114	59	table	table	NOUN
easat-7649	114	60	2	2	NUM
easat-7649	114	61	presents	present	VERB
easat-7649	114	62	the	the	DET
easat-7649	114	63	descriptive	descriptive	ADJ
easat-7649	114	64	statistics	statistic	NOUN
easat-7649	114	65	for	for	ADP
easat-7649	114	66	various	various	ADJ
easat-7649	114	67	variables	variable	NOUN
easat-7649	114	68	,	,	PUNCT
easat-7649	114	69	including	include	VERB
easat-7649	114	70	micro	micro	PROPN
easat-7649	114	71	saving	saving	PROPN
easat-7649	114	72	,	,	PUNCT
easat-7649	114	73	micro	micro	ADJ
easat-7649	114	74	credit	credit	NOUN
easat-7649	114	75	,	,	PUNCT
easat-7649	114	76	micro	micro	ADJ
easat-7649	114	77	insurance	insurance	NOUN
easat-7649	114	78	,	,	PUNCT
easat-7649	114	79	training	training	NOUN
easat-7649	114	80	and	and	CCONJ
easat-7649	114	81	advisory	advisory	ADJ
easat-7649	114	82	services	service	NOUN
easat-7649	114	83	,	,	PUNCT
easat-7649	114	84	and	and	CCONJ
easat-7649	114	85	women	woman	NOUN
easat-7649	114	86	economic	economic	ADJ
easat-7649	114	87	empowerment	empowerment	NOUN
easat-7649	114	88	.	.	PUNCT
easat-7649	115	1	for	for	ADP
easat-7649	115	2	micro	micro	PROPN
easat-7649	115	3	saving	saving	PROPN
easat-7649	115	4	,	,	PUNCT
easat-7649	115	5	the	the	DET
easat-7649	115	6	mean	mean	NOUN
easat-7649	115	7	is	be	AUX
easat-7649	115	8	3.9721	3.9721	NUM
easat-7649	115	9	,	,	PUNCT
easat-7649	115	10	indicating	indicate	VERB
easat-7649	115	11	that	that	SCONJ
easat-7649	115	12	respondents	respondent	NOUN
easat-7649	115	13	generally	generally	ADV
easat-7649	115	14	agree	agree	VERB
easat-7649	115	15	with	with	ADP
easat-7649	115	16	the	the	DET
easat-7649	115	17	statements	statement	NOUN
easat-7649	115	18	on	on	ADP
easat-7649	115	19	this	this	DET
easat-7649	115	20	topic	topic	NOUN
easat-7649	115	21	.	.	PUNCT
easat-7649	116	1	the	the	DET
easat-7649	116	2	standard	standard	ADJ
easat-7649	116	3	deviation	deviation	NOUN
easat-7649	116	4	of	of	ADP
easat-7649	116	5	0.9892	0.9892	NUM
easat-7649	116	6	suggests	suggest	VERB
easat-7649	116	7	some	some	DET
easat-7649	116	8	variation	variation	NOUN
easat-7649	116	9	in	in	ADP
easat-7649	116	10	responses	response	NOUN
easat-7649	116	11	,	,	PUNCT
easat-7649	116	12	with	with	ADP
easat-7649	116	13	some	some	DET
easat-7649	116	14	respondents	respondent	NOUN
easat-7649	116	15	slightly	slightly	ADV
easat-7649	116	16	disagreeing	disagree	VERB
easat-7649	116	17	and	and	CCONJ
easat-7649	116	18	others	other	NOUN
easat-7649	116	19	agreeing	agree	VERB
easat-7649	116	20	.	.	PUNCT
easat-7649	117	1	the	the	DET
easat-7649	117	2	data	data	NOUN
easat-7649	117	3	is	be	AUX
easat-7649	117	4	right	right	ADV
easat-7649	117	5	-	-	PUNCT
easat-7649	117	6	skewed	skewed	ADJ
easat-7649	117	7	,	,	PUNCT
easat-7649	117	8	with	with	ADP
easat-7649	117	9	a	a	DET
easat-7649	117	10	skewness	skewness	NOUN
easat-7649	117	11	of	of	ADP
easat-7649	117	12	1.25	1.25	NUM
easat-7649	117	13	,	,	PUNCT
easat-7649	117	14	and	and	CCONJ
easat-7649	117	15	the	the	DET
easat-7649	117	16	kurtosis	kurtosis	NOUN
easat-7649	117	17	is	be	AUX
easat-7649	117	18	0.6	0.6	NUM
easat-7649	117	19	,	,	PUNCT
easat-7649	117	20	indicating	indicate	VERB
easat-7649	117	21	lighter	light	ADJ
easat-7649	117	22	tails	tail	NOUN
easat-7649	117	23	than	than	ADP
easat-7649	117	24	a	a	DET
easat-7649	117	25	normal	normal	ADJ
easat-7649	117	26	distribution	distribution	NOUN
easat-7649	117	27	.	.	PUNCT
easat-7649	118	1	in	in	ADP
easat-7649	118	2	the	the	DET
easat-7649	118	3	case	case	NOUN
easat-7649	118	4	of	of	ADP
easat-7649	118	5	micro	micro	ADJ
easat-7649	118	6	credit	credit	NOUN
easat-7649	118	7	,	,	PUNCT
easat-7649	118	8	the	the	DET
easat-7649	118	9	mean	mean	NOUN
easat-7649	118	10	is	be	AUX
easat-7649	118	11	3.94	3.94	NUM
easat-7649	118	12	,	,	PUNCT
easat-7649	118	13	showing	show	VERB
easat-7649	118	14	general	general	ADJ
easat-7649	118	15	agreement	agreement	NOUN
easat-7649	118	16	,	,	PUNCT
easat-7649	118	17	with	with	ADP
easat-7649	118	18	a	a	DET
easat-7649	118	19	standard	standard	ADJ
easat-7649	118	20	deviation	deviation	NOUN
easat-7649	118	21	of	of	ADP
easat-7649	118	22	1.052	1.052	NUM
easat-7649	118	23	,	,	PUNCT
easat-7649	118	24	reflecting	reflect	VERB
easat-7649	118	25	some	some	DET
easat-7649	118	26	variability	variability	NOUN
easat-7649	118	27	in	in	ADP
easat-7649	118	28	responses	response	NOUN
easat-7649	118	29	.	.	PUNCT
easat-7649	119	1	the	the	DET
easat-7649	119	2	skewness	skewness	NOUN
easat-7649	119	3	is	be	AUX
easat-7649	119	4	-1.227	-1.227	PUNCT
easat-7649	119	5	,	,	PUNCT
easat-7649	119	6	pointing	point	VERB
easat-7649	119	7	to	to	ADP
easat-7649	119	8	right	right	ADJ
easat-7649	119	9	skewness	skewness	NOUN
easat-7649	119	10	,	,	PUNCT
easat-7649	119	11	while	while	SCONJ
easat-7649	119	12	the	the	DET
easat-7649	119	13	kurtosis	kurtosis	NOUN
easat-7649	119	14	value	value	NOUN
easat-7649	119	15	of	of	ADP
easat-7649	119	16	0.337	0.337	NUM
easat-7649	119	17	suggests	suggest	VERB
easat-7649	119	18	a	a	DET
easat-7649	119	19	platykurtic	platykurtic	ADJ
easat-7649	119	20	distribution	distribution	NOUN
easat-7649	119	21	with	with	ADP
easat-7649	119	22	lighter	light	ADJ
easat-7649	119	23	tails	tail	NOUN
easat-7649	119	24	.	.	PUNCT
easat-7649	120	1	similarly	similarly	ADV
easat-7649	120	2	,	,	PUNCT
easat-7649	120	3	for	for	ADP
easat-7649	120	4	micro	micro	NOUN
easat-7649	120	5	insurance	insurance	NOUN
easat-7649	120	6	,	,	PUNCT
easat-7649	120	7	the	the	DET
easat-7649	120	8	mean	mean	NOUN
easat-7649	120	9	of	of	ADP
easat-7649	120	10	3.86	3.86	NUM
easat-7649	120	11	shows	show	VERB
easat-7649	120	12	agreement	agreement	NOUN
easat-7649	120	13	with	with	ADP
easat-7649	120	14	the	the	DET
easat-7649	120	15	statements	statement	NOUN
easat-7649	120	16	,	,	PUNCT
easat-7649	120	17	and	and	CCONJ
easat-7649	120	18	a	a	DET
easat-7649	120	19	standard	standard	ADJ
easat-7649	120	20	deviation	deviation	NOUN
easat-7649	120	21	of	of	ADP
easat-7649	120	22	1.064	1.064	NUM
easat-7649	120	23	indicates	indicate	VERB
easat-7649	120	24	some	some	DET
easat-7649	120	25	disagreement	disagreement	NOUN
easat-7649	120	26	or	or	CCONJ
easat-7649	120	27	neutral	neutral	ADJ
easat-7649	120	28	responses	response	NOUN
easat-7649	120	29	.	.	PUNCT
easat-7649	121	1	the	the	DET
easat-7649	121	2	data	datum	NOUN
easat-7649	121	3	also	also	ADV
easat-7649	121	4	exhibits	exhibit	VERB
easat-7649	121	5	right	right	ADJ
easat-7649	121	6	skewness	skewness	NOUN
easat-7649	121	7	(	(	PUNCT
easat-7649	121	8	skewness	skewness	NOUN
easat-7649	121	9	=	=	SYM
easat-7649	121	10	-1.16	-1.16	PROPN
easat-7649	121	11	)	)	PUNCT
easat-7649	121	12	and	and	CCONJ
easat-7649	121	13	a	a	DET
easat-7649	121	14	platykurtic	platykurtic	ADJ
easat-7649	121	15	distribution	distribution	NOUN
easat-7649	121	16	(	(	PUNCT
easat-7649	121	17	kurtosis	kurtosis	NOUN
easat-7649	121	18	=	=	PUNCT
easat-7649	121	19	0.214	0.214	NUM
easat-7649	121	20	)	)	PUNCT
easat-7649	121	21	.	.	PUNCT
easat-7649	122	1	for	for	ADP
easat-7649	122	2	training	training	NOUN
easat-7649	122	3	and	and	CCONJ
easat-7649	122	4	advisory	advisory	ADJ
easat-7649	122	5	services	service	NOUN
easat-7649	122	6	,	,	PUNCT
easat-7649	122	7	the	the	DET
easat-7649	122	8	mean	mean	NOUN
easat-7649	122	9	is	be	AUX
easat-7649	122	10	3.8682	3.8682	NUM
easat-7649	122	11	,	,	PUNCT
easat-7649	122	12	indicating	indicate	VERB
easat-7649	122	13	partial	partial	ADJ
easat-7649	122	14	agreement	agreement	NOUN
easat-7649	122	15	,	,	PUNCT
easat-7649	122	16	with	with	ADP
easat-7649	122	17	a	a	DET
easat-7649	122	18	standard	standard	ADJ
easat-7649	122	19	deviation	deviation	NOUN
easat-7649	122	20	of	of	ADP
easat-7649	122	21	1.043	1.043	NUM
easat-7649	122	22	,	,	PUNCT
easat-7649	122	23	suggesting	suggest	VERB
easat-7649	122	24	a	a	DET
easat-7649	122	25	mix	mix	NOUN
easat-7649	122	26	of	of	ADP
easat-7649	122	27	responses	response	NOUN
easat-7649	122	28	.	.	PUNCT
easat-7649	123	1	the	the	DET
easat-7649	123	2	skewness	skewness	NOUN
easat-7649	123	3	is	be	AUX
easat-7649	123	4	-1.227	-1.227	NUM
easat-7649	123	5	,	,	PUNCT
easat-7649	123	6	implying	imply	VERB
easat-7649	123	7	right	right	ADJ
easat-7649	123	8	skewness	skewness	NOUN
easat-7649	123	9	,	,	PUNCT
easat-7649	123	10	and	and	CCONJ
easat-7649	123	11	the	the	DET
easat-7649	123	12	kurtosis	kurtosis	NOUN
easat-7649	123	13	value	value	NOUN
easat-7649	123	14	of	of	ADP
easat-7649	123	15	0.337	0.337	NUM
easat-7649	123	16	again	again	ADV
easat-7649	123	17	indicates	indicate	VERB
easat-7649	123	18	a	a	DET
easat-7649	123	19	platykurtic	platykurtic	ADJ
easat-7649	123	20	distribution	distribution	NOUN
easat-7649	123	21	.	.	PUNCT
easat-7649	124	1	finally	finally	ADV
easat-7649	124	2	,	,	PUNCT
easat-7649	124	3	for	for	ADP
easat-7649	124	4	women	woman	NOUN
easat-7649	124	5	economic	economic	ADJ
easat-7649	124	6	empowerment	empowerment	NOUN
easat-7649	124	7	,	,	PUNCT
easat-7649	124	8	the	the	DET
easat-7649	124	9	mean	mean	NOUN
easat-7649	124	10	is	be	AUX
easat-7649	124	11	4.045	4.045	NUM
easat-7649	124	12	,	,	PUNCT
easat-7649	124	13	indicating	indicate	VERB
easat-7649	124	14	general	general	ADJ
easat-7649	124	15	agreement	agreement	NOUN
easat-7649	124	16	,	,	PUNCT
easat-7649	124	17	with	with	ADP
easat-7649	124	18	a	a	DET
easat-7649	124	19	standard	standard	ADJ
easat-7649	124	20	deviation	deviation	NOUN
easat-7649	124	21	of	of	ADP
easat-7649	124	22	1.0438	1.0438	NUM
easat-7649	124	23	,	,	PUNCT
easat-7649	124	24	showing	show	VERB
easat-7649	124	25	variability	variability	NOUN
easat-7649	124	26	in	in	ADP
easat-7649	124	27	responses	response	NOUN
easat-7649	124	28	.	.	PUNCT
easat-7649	125	1	the	the	DET
easat-7649	125	2	skewness	skewness	NOUN
easat-7649	125	3	is	be	AUX
easat-7649	125	4	more	more	ADV
easat-7649	125	5	pronounced	pronounce	VERB
easat-7649	125	6	at	at	ADP
easat-7649	125	7	-1.636	-1.636	NOUN
easat-7649	125	8	,	,	PUNCT
easat-7649	125	9	pointing	point	VERB
easat-7649	125	10	to	to	ADP
easat-7649	125	11	a	a	DET
easat-7649	125	12	stronger	strong	ADJ
easat-7649	125	13	right	right	NOUN
easat-7649	125	14	skew	skew	NOUN
easat-7649	125	15	,	,	PUNCT
easat-7649	125	16	while	while	SCONJ
easat-7649	125	17	the	the	DET
easat-7649	125	18	kurtosis	kurtosis	NOUN
easat-7649	125	19	is	be	AUX
easat-7649	125	20	1.847	1.847	NUM
easat-7649	125	21	,	,	PUNCT
easat-7649	125	22	indicating	indicate	VERB
easat-7649	125	23	a	a	DET
easat-7649	125	24	distribution	distribution	NOUN
easat-7649	125	25	closer	close	ADV
easat-7649	125	26	to	to	ADP
easat-7649	125	27	normal	normal	ADJ
easat-7649	125	28	but	but	CCONJ
easat-7649	125	29	with	with	ADP
easat-7649	125	30	lighter	light	ADJ
easat-7649	125	31	tails	tail	NOUN
easat-7649	125	32	.	.	PUNCT
easat-7649	126	1	3085	3085	NUM
easat-7649	126	2	edelweiss	edelweiss	PROPN
easat-7649	126	3	applied	apply	VERB
easat-7649	126	4	science	science	NOUN
easat-7649	126	5	and	and	CCONJ
easat-7649	126	6	technology	technology	NOUN
easat-7649	126	7	issn	issn	PROPN
easat-7649	126	8	:	:	PUNCT
easat-7649	126	9	2576	2576	NUM
easat-7649	126	10	-	-	SYM
easat-7649	126	11	8484	8484	NUM
easat-7649	126	12	vol	vol	NOUN
easat-7649	126	13	.	.	PROPN
easat-7649	127	1	9	9	NUM
easat-7649	127	2	,	,	PUNCT
easat-7649	127	3	no	no	INTJ
easat-7649	127	4	.	.	NOUN
easat-7649	127	5	5	5	NUM
easat-7649	127	6	:	:	SYM
easat-7649	127	7	3080	3080	NUM
easat-7649	127	8	-	-	SYM
easat-7649	127	9	3092	3092	NUM
easat-7649	127	10	,	,	PUNCT
easat-7649	127	11	2025	2025	NUM
easat-7649	127	12	doi	doi	NOUN
easat-7649	127	13	:	:	PUNCT
easat-7649	127	14	10.55214/25768484.v9i5.7649	10.55214/25768484.v9i5.7649	NUM
easat-7649	127	15	©	©	PROPN
easat-7649	127	16	2025	2025	NUM
easat-7649	127	17	by	by	ADP
easat-7649	127	18	the	the	DET
easat-7649	127	19	authors	author	NOUN
easat-7649	127	20	;	;	PUNCT
easat-7649	127	21	licensee	licensee	PROPN
easat-7649	127	22	learning	learning	NOUN
easat-7649	127	23	gate	gate	PROPN
easat-7649	127	24	overall	overall	ADV
easat-7649	127	25	,	,	PUNCT
easat-7649	127	26	the	the	DET
easat-7649	127	27	data	datum	NOUN
easat-7649	127	28	across	across	ADP
easat-7649	127	29	all	all	DET
easat-7649	127	30	variables	variable	NOUN
easat-7649	127	31	exhibits	exhibit	VERB
easat-7649	127	32	a	a	DET
easat-7649	127	33	tendency	tendency	NOUN
easat-7649	127	34	toward	toward	ADP
easat-7649	127	35	right	right	ADJ
easat-7649	127	36	skewness	skewness	NOUN
easat-7649	127	37	,	,	PUNCT
easat-7649	127	38	with	with	ADP
easat-7649	127	39	platykurtic	platykurtic	ADJ
easat-7649	127	40	distributions	distribution	NOUN
easat-7649	127	41	,	,	PUNCT
easat-7649	127	42	suggesting	suggest	VERB
easat-7649	127	43	that	that	SCONJ
easat-7649	127	44	the	the	DET
easat-7649	127	45	responses	response	NOUN
easat-7649	127	46	are	be	AUX
easat-7649	127	47	generally	generally	ADV
easat-7649	127	48	clustered	cluster	VERB
easat-7649	127	49	around	around	ADP
easat-7649	127	50	the	the	DET
easat-7649	127	51	higher	high	ADJ
easat-7649	127	52	agreement	agreement	NOUN
easat-7649	127	53	levels	level	NOUN
easat-7649	127	54	but	but	CCONJ
easat-7649	127	55	with	with	ADP
easat-7649	127	56	some	some	DET
easat-7649	127	57	variation	variation	NOUN
easat-7649	127	58	across	across	ADP
easat-7649	127	59	the	the	DET
easat-7649	127	60	respondents	respondent	NOUN
easat-7649	127	61	.	.	PUNCT
easat-7649	128	1	3.3	3.3	NUM
easat-7649	128	2	.	.	PUNCT
easat-7649	128	3	shapiro	shapiro	NOUN
easat-7649	128	4	-	-	PUNCT
easat-7649	128	5	wilk	wilk	NOUN
easat-7649	128	6	test	test	NOUN
easat-7649	128	7	for	for	ADP
easat-7649	128	8	normality	normality	NOUN
easat-7649	128	9	table	table	NOUN
easat-7649	128	10	3	3	NUM
easat-7649	128	11	.	.	PUNCT
easat-7649	128	12	shapiro	shapiro	PROPN
easat-7649	128	13	-	-	PUNCT
easat-7649	128	14	wilk	wilk	PROPN
easat-7649	128	15	test	test	NOUN
easat-7649	128	16	.	.	PUNCT
easat-7649	129	1	construct	construct	VERB
easat-7649	129	2	statistics	statistics	PROPN
easat-7649	129	3	df	df	PROPN
easat-7649	129	4	sig	sig	PROPN
easat-7649	129	5	.	.	PUNCT
easat-7649	130	1	micro	micro	PROPN
easat-7649	130	2	saving	save	VERB
easat-7649	130	3	0.826	0.826	NUM
easat-7649	130	4	385	385	NUM
easat-7649	130	5	0.05	0.05	NUM
easat-7649	130	6	micro	micro	ADJ
easat-7649	130	7	credit	credit	NOUN
easat-7649	130	8	0.807	0.807	NUM
easat-7649	130	9	385	385	NUM
easat-7649	130	10	0.05	0.05	NUM
easat-7649	130	11	micro	micro	NOUN
easat-7649	130	12	insurance	insurance	NOUN
easat-7649	130	13	0.822	0.822	NUM
easat-7649	130	14	385	385	NUM
easat-7649	130	15	0.05	0.05	NUM
easat-7649	130	16	training	training	NOUN
easat-7649	130	17	and	and	CCONJ
easat-7649	130	18	advisory	advisory	ADJ
easat-7649	130	19	services	service	NOUN
easat-7649	130	20	0.812	0.812	NUM
easat-7649	130	21	385	385	NUM
easat-7649	130	22	0.05	0.05	NUM
easat-7649	130	23	women	woman	NOUN
easat-7649	130	24	economic	economic	ADJ
easat-7649	130	25	empowerment	empowerment	NOUN
easat-7649	130	26	0.773	0.773	NUM
easat-7649	130	27	385	385	NUM
easat-7649	130	28	0.05	0.05	NUM
easat-7649	130	29	table	table	NOUN
easat-7649	130	30	3	3	NUM
easat-7649	130	31	presents	present	VERB
easat-7649	130	32	the	the	DET
easat-7649	130	33	results	result	NOUN
easat-7649	130	34	of	of	ADP
easat-7649	130	35	the	the	DET
easat-7649	130	36	shapiro	shapiro	PROPN
easat-7649	130	37	-	-	PUNCT
easat-7649	130	38	wilk	wilk	NOUN
easat-7649	130	39	normality	normality	NOUN
easat-7649	130	40	test	test	NOUN
easat-7649	130	41	for	for	ADP
easat-7649	130	42	the	the	DET
easat-7649	130	43	constructs	construct	NOUN
easat-7649	130	44	under	under	ADP
easat-7649	130	45	analysis	analysis	NOUN
easat-7649	130	46	.	.	PUNCT
easat-7649	131	1	the	the	DET
easat-7649	131	2	p	p	NOUN
easat-7649	131	3	-	-	PUNCT
easat-7649	131	4	values	value	NOUN
easat-7649	131	5	for	for	ADP
easat-7649	131	6	micro	micro	ADJ
easat-7649	131	7	saving	saving	PROPN
easat-7649	131	8	,	,	PUNCT
easat-7649	131	9	micro	micro	ADJ
easat-7649	131	10	credit	credit	NOUN
easat-7649	131	11	,	,	PUNCT
easat-7649	131	12	micro	micro	ADJ
easat-7649	131	13	insurance	insurance	NOUN
easat-7649	131	14	,	,	PUNCT
easat-7649	131	15	training	training	NOUN
easat-7649	131	16	and	and	CCONJ
easat-7649	131	17	advisory	advisory	ADJ
easat-7649	131	18	services	service	NOUN
easat-7649	131	19	,	,	PUNCT
easat-7649	131	20	and	and	CCONJ
easat-7649	131	21	women	woman	NOUN
easat-7649	131	22	economic	economic	ADJ
easat-7649	131	23	empowerment	empowerment	NOUN
easat-7649	131	24	are	be	AUX
easat-7649	131	25	all	all	ADV
easat-7649	131	26	greater	great	ADJ
easat-7649	131	27	than	than	ADP
easat-7649	131	28	0.05	0.05	NUM
easat-7649	131	29	,	,	PUNCT
easat-7649	131	30	indicating	indicate	VERB
easat-7649	131	31	that	that	SCONJ
easat-7649	131	32	these	these	DET
easat-7649	131	33	constructs	construct	NOUN
easat-7649	131	34	are	be	AUX
easat-7649	131	35	normally	normally	ADV
easat-7649	131	36	distributed	distribute	VERB
easat-7649	131	37	.	.	PUNCT
easat-7649	132	1	thus	thus	ADV
easat-7649	132	2	,	,	PUNCT
easat-7649	132	3	we	we	PRON
easat-7649	132	4	can	can	AUX
easat-7649	132	5	conclude	conclude	VERB
easat-7649	132	6	that	that	SCONJ
easat-7649	132	7	the	the	DET
easat-7649	132	8	data	datum	NOUN
easat-7649	132	9	for	for	ADP
easat-7649	132	10	these	these	DET
easat-7649	132	11	variables	variable	NOUN
easat-7649	132	12	follows	follow	VERB
easat-7649	132	13	a	a	DET
easat-7649	132	14	normal	normal	ADJ
easat-7649	132	15	distribution	distribution	NOUN
easat-7649	132	16	.	.	PUNCT
easat-7649	133	1	3.4	3.4	NUM
easat-7649	133	2	.	.	PUNCT
easat-7649	134	1	measurement	measurement	NOUN
easat-7649	134	2	model	model	NOUN
easat-7649	134	3	the	the	DET
easat-7649	134	4	measurement	measurement	NOUN
easat-7649	134	5	model	model	NOUN
easat-7649	134	6	is	be	AUX
easat-7649	134	7	the	the	DET
easat-7649	134	8	component	component	NOUN
easat-7649	134	9	of	of	ADP
easat-7649	134	10	the	the	DET
easat-7649	134	11	model	model	NOUN
easat-7649	134	12	that	that	PRON
easat-7649	134	13	examines	examine	VERB
easat-7649	134	14	the	the	DET
easat-7649	134	15	relationship	relationship	NOUN
easat-7649	134	16	between	between	ADP
easat-7649	134	17	variables	variable	NOUN
easat-7649	134	18	and	and	CCONJ
easat-7649	134	19	their	their	PRON
easat-7649	134	20	indicators	indicator	NOUN
easat-7649	134	21	.	.	PUNCT
easat-7649	135	1	in	in	ADP
easat-7649	135	2	essence	essence	NOUN
easat-7649	135	3	,	,	PUNCT
easat-7649	135	4	it	it	PRON
easat-7649	135	5	connects	connect	VERB
easat-7649	135	6	the	the	DET
easat-7649	135	7	latent	latent	NOUN
easat-7649	135	8	variables	variable	NOUN
easat-7649	135	9	to	to	ADP
easat-7649	135	10	their	their	PRON
easat-7649	135	11	respective	respective	ADJ
easat-7649	135	12	measures	measure	NOUN
easat-7649	135	13	,	,	PUNCT
easat-7649	135	14	either	either	CCONJ
easat-7649	135	15	explicitly	explicitly	ADV
easat-7649	135	16	stated	state	VERB
easat-7649	135	17	or	or	CCONJ
easat-7649	135	18	implied	imply	VERB
easat-7649	135	19	,	,	PUNCT
easat-7649	135	20	within	within	ADP
easat-7649	135	21	the	the	DET
easat-7649	135	22	framework	framework	NOUN
easat-7649	135	23	.	.	PUNCT
easat-7649	136	1	3.5	3.5	NUM
easat-7649	136	2	.	.	PUNCT
easat-7649	136	3	construct	construct	VERB
easat-7649	136	4	reliability	reliability	NOUN
easat-7649	136	5	and	and	CCONJ
easat-7649	136	6	validity	validity	NOUN
easat-7649	136	7	table	table	NOUN
easat-7649	136	8	4	4	NUM
easat-7649	136	9	.	.	PUNCT
easat-7649	136	10	construct	construct	VERB
easat-7649	136	11	reliability	reliability	NOUN
easat-7649	136	12	and	and	CCONJ
easat-7649	136	13	validity	validity	NOUN
easat-7649	136	14	.	.	PUNCT
easat-7649	137	1	construct	construct	VERB
easat-7649	137	2	cronbach	cronbach	PROPN
easat-7649	137	3	's	's	PART
easat-7649	137	4	alpha	alpha	NOUN
easat-7649	137	5	rho_a	rho_a	NOUN
easat-7649	137	6	composite	composite	ADJ
easat-7649	137	7	reliability	reliability	NOUN
easat-7649	137	8	average	average	ADJ
easat-7649	137	9	variance	variance	NOUN
easat-7649	137	10	extracted	extract	VERB
easat-7649	137	11	(	(	PUNCT
easat-7649	137	12	ave	ave	NOUN
easat-7649	137	13	)	)	PUNCT
easat-7649	137	14	micro	micro	NOUN
easat-7649	137	15	credit	credit	NOUN
easat-7649	137	16	(	(	PUNCT
easat-7649	137	17	mc	mc	PROPN
easat-7649	137	18	)	)	PUNCT
easat-7649	137	19	0.701	0.701	NUM
easat-7649	137	20	0.708	0.708	NUM
easat-7649	137	21	0.833	0.833	NUM
easat-7649	137	22	0.624	0.624	NUM
easat-7649	137	23	micro	micro	NOUN
easat-7649	137	24	insurance	insurance	NOUN
easat-7649	137	25	(	(	PUNCT
easat-7649	137	26	mi	mi	NOUN
easat-7649	137	27	)	)	PUNCT
easat-7649	137	28	0.761	0.761	NUM
easat-7649	137	29	0.762	0.762	NUM
easat-7649	137	30	0.848	0.848	NUM
easat-7649	137	31	0.583	0.583	NUM
easat-7649	137	32	micro	micro	NOUN
easat-7649	137	33	saving	save	VERB
easat-7649	137	34	(	(	PUNCT
easat-7649	137	35	ms	ms	PROPN
easat-7649	137	36	)	)	PUNCT
easat-7649	137	37	0.729	0.729	NUM
easat-7649	137	38	0.735	0.735	NUM
easat-7649	137	39	0.831	0.831	NUM
easat-7649	137	40	0.553	0.553	NUM
easat-7649	137	41	training	training	NOUN
easat-7649	137	42	advisory	advisory	NOUN
easat-7649	137	43	(	(	PUNCT
easat-7649	137	44	ta	ta	NOUN
easat-7649	137	45	)	)	PUNCT
easat-7649	137	46	0.759	0.759	NUM
easat-7649	137	47	0.762	0.762	NUM
easat-7649	137	48	0.846	0.846	NUM
easat-7649	137	49	0.58	0.58	NUM
easat-7649	137	50	women	woman	NOUN
easat-7649	137	51	economic	economic	ADJ
easat-7649	137	52	empowerment	empowerment	NOUN
easat-7649	137	53	(	(	PUNCT
easat-7649	137	54	wem	wem	PROPN
easat-7649	137	55	)	)	PUNCT
easat-7649	137	56	0.831	0.831	NUM
easat-7649	137	57	0.831	0.831	NUM
easat-7649	137	58	0.877	0.877	NUM
easat-7649	137	59	0.542	0.542	NUM
easat-7649	137	60	table	table	NOUN
easat-7649	137	61	4	4	NUM
easat-7649	137	62	presents	present	VERB
easat-7649	137	63	the	the	DET
easat-7649	137	64	reliability	reliability	NOUN
easat-7649	137	65	and	and	CCONJ
easat-7649	137	66	validity	validity	NOUN
easat-7649	137	67	measures	measure	NOUN
easat-7649	137	68	for	for	ADP
easat-7649	137	69	each	each	DET
easat-7649	137	70	construct	construct	NOUN
easat-7649	137	71	.	.	PUNCT
easat-7649	138	1	the	the	DET
easat-7649	138	2	rho_a	rho_a	NOUN
easat-7649	138	3	values	value	NOUN
easat-7649	138	4	for	for	ADP
easat-7649	138	5	all	all	DET
easat-7649	138	6	latent	latent	NOUN
easat-7649	138	7	variables	variable	NOUN
easat-7649	138	8	exceed	exceed	VERB
easat-7649	138	9	0.7	0.7	NUM
easat-7649	138	10	henseler	henseler	NOUN
easat-7649	138	11	,	,	PUNCT
easat-7649	138	12	et	et	PROPN
easat-7649	138	13	al	al	PROPN
easat-7649	138	14	.	.	PUNCT
easat-7649	139	1	[	[	X
easat-7649	139	2	21	21	NUM
easat-7649	139	3	]	]	PUNCT
easat-7649	139	4	confirming	confirm	VERB
easat-7649	139	5	acceptable	acceptable	ADJ
easat-7649	139	6	internal	internal	ADJ
easat-7649	139	7	consistency	consistency	NOUN
easat-7649	139	8	.	.	PUNCT
easat-7649	140	1	additionally	additionally	ADV
easat-7649	140	2	,	,	PUNCT
easat-7649	140	3	the	the	DET
easat-7649	140	4	composite	composite	ADJ
easat-7649	140	5	reliability	reliability	NOUN
easat-7649	140	6	(	(	PUNCT
easat-7649	140	7	cr	cr	NOUN
easat-7649	140	8	)	)	PUNCT
easat-7649	140	9	values	value	NOUN
easat-7649	140	10	for	for	ADP
easat-7649	140	11	all	all	DET
easat-7649	140	12	constructs	construct	NOUN
easat-7649	140	13	are	be	AUX
easat-7649	140	14	also	also	ADV
easat-7649	140	15	greater	great	ADJ
easat-7649	140	16	than	than	ADP
easat-7649	140	17	the	the	DET
easat-7649	140	18	0.7	0.7	NUM
easat-7649	140	19	threshold	threshold	NOUN
easat-7649	140	20	henseler	henseler	NOUN
easat-7649	140	21	,	,	PUNCT
easat-7649	140	22	et	et	PROPN
easat-7649	140	23	al	al	PROPN
easat-7649	140	24	.	.	PUNCT
easat-7649	141	1	[	[	X
easat-7649	141	2	21	21	NUM
easat-7649	141	3	]	]	AUX
easat-7649	141	4	further	far	ADV
easat-7649	141	5	supporting	support	VERB
easat-7649	141	6	the	the	DET
easat-7649	141	7	reliability	reliability	NOUN
easat-7649	141	8	of	of	ADP
easat-7649	141	9	the	the	DET
easat-7649	141	10	constructs	construct	NOUN
easat-7649	141	11	.	.	PUNCT
easat-7649	142	1	the	the	DET
easat-7649	142	2	average	average	ADJ
easat-7649	142	3	variance	variance	NOUN
easat-7649	142	4	extracted	extract	VERB
easat-7649	142	5	(	(	PUNCT
easat-7649	142	6	ave	ave	NOUN
easat-7649	142	7	)	)	PUNCT
easat-7649	142	8	values	value	NOUN
easat-7649	142	9	are	be	AUX
easat-7649	142	10	above	above	ADP
easat-7649	142	11	0.5	0.5	NUM
easat-7649	142	12	for	for	ADP
easat-7649	142	13	all	all	DET
easat-7649	142	14	constructs	construct	NOUN
easat-7649	142	15	,	,	PUNCT
easat-7649	142	16	indicating	indicate	VERB
easat-7649	142	17	that	that	SCONJ
easat-7649	142	18	,	,	PUNCT
easat-7649	142	19	on	on	ADP
easat-7649	142	20	average	average	ADJ
easat-7649	142	21	,	,	PUNCT
easat-7649	142	22	each	each	PRON
easat-7649	142	23	construct	construct	NOUN
easat-7649	142	24	explains	explain	VERB
easat-7649	142	25	more	more	ADJ
easat-7649	142	26	than	than	ADP
easat-7649	142	27	half	half	NOUN
easat-7649	142	28	of	of	ADP
easat-7649	142	29	the	the	DET
easat-7649	142	30	variance	variance	NOUN
easat-7649	142	31	in	in	ADP
easat-7649	142	32	its	its	PRON
easat-7649	142	33	indicators	indicator	NOUN
easat-7649	142	34	,	,	PUNCT
easat-7649	142	35	as	as	SCONJ
easat-7649	142	36	recommended	recommend	VERB
easat-7649	142	37	by	by	ADP
easat-7649	142	38	fornell	fornell	NOUN
easat-7649	142	39	and	and	CCONJ
easat-7649	142	40	larcker	larcker	NOUN
easat-7649	143	1	[	[	X
easat-7649	143	2	23	23	NUM
easat-7649	143	3	]	]	PUNCT
easat-7649	143	4	.	.	PUNCT
easat-7649	144	1	based	base	VERB
easat-7649	144	2	on	on	ADP
easat-7649	144	3	these	these	DET
easat-7649	144	4	results	result	NOUN
easat-7649	144	5	,	,	PUNCT
easat-7649	144	6	convergent	convergent	ADJ
easat-7649	144	7	validity	validity	NOUN
easat-7649	144	8	is	be	AUX
easat-7649	144	9	confirmed	confirm	VERB
easat-7649	144	10	for	for	ADP
easat-7649	144	11	all	all	DET
easat-7649	144	12	constructs	construct	NOUN
easat-7649	144	13	,	,	PUNCT
easat-7649	144	14	demonstrating	demonstrate	VERB
easat-7649	144	15	that	that	SCONJ
easat-7649	144	16	they	they	PRON
easat-7649	144	17	adequately	adequately	ADV
easat-7649	144	18	measure	measure	VERB
easat-7649	144	19	the	the	DET
easat-7649	144	20	intended	intend	VERB
easat-7649	144	21	latent	latent	NOUN
easat-7649	144	22	variables	variable	NOUN
easat-7649	144	23	.	.	PUNCT
easat-7649	145	1	3086	3086	NUM
easat-7649	145	2	edelweiss	edelweiss	PROPN
easat-7649	145	3	applied	apply	VERB
easat-7649	145	4	science	science	NOUN
easat-7649	145	5	and	and	CCONJ
easat-7649	145	6	technology	technology	NOUN
easat-7649	145	7	issn	issn	PROPN
easat-7649	145	8	:	:	PUNCT
easat-7649	145	9	2576	2576	NUM
easat-7649	145	10	-	-	SYM
easat-7649	145	11	8484	8484	NUM
easat-7649	145	12	vol	vol	NOUN
easat-7649	145	13	.	.	PROPN
easat-7649	146	1	9	9	NUM
easat-7649	146	2	,	,	PUNCT
easat-7649	146	3	no	no	INTJ
easat-7649	146	4	.	.	NOUN
easat-7649	146	5	5	5	NUM
easat-7649	146	6	:	:	SYM
easat-7649	146	7	3080	3080	NUM
easat-7649	146	8	-	-	SYM
easat-7649	146	9	3092	3092	NUM
easat-7649	146	10	,	,	PUNCT
easat-7649	146	11	2025	2025	NUM
easat-7649	146	12	doi	doi	NOUN
easat-7649	146	13	:	:	PUNCT
easat-7649	146	14	10.55214/25768484.v9i5.7649	10.55214/25768484.v9i5.7649	NUM
easat-7649	146	15	©	©	PROPN
easat-7649	146	16	2025	2025	NUM
easat-7649	146	17	by	by	ADP
easat-7649	146	18	the	the	DET
easat-7649	146	19	authors	author	NOUN
easat-7649	146	20	;	;	PUNCT
easat-7649	146	21	licensee	licensee	PROPN
easat-7649	146	22	learning	learning	NOUN
easat-7649	146	23	gate	gate	NOUN
easat-7649	146	24	3.5	3.5	NUM
easat-7649	146	25	.	.	PUNCT
easat-7649	147	1	discriminant	discriminant	ADJ
easat-7649	147	2	validity	validity	NOUN
easat-7649	147	3	table	table	NOUN
easat-7649	147	4	5	5	NUM
easat-7649	147	5	.	.	PUNCT
easat-7649	147	6	cross	cross	NOUN
easat-7649	147	7	loadings	loading	NOUN
easat-7649	147	8	and	and	CCONJ
easat-7649	147	9	vif	vif	PROPN
easat-7649	147	10	.	.	PROPN
easat-7649	147	11	item	item	PROPN
easat-7649	147	12	mc	mc	PROPN
easat-7649	147	13	mi	mi	PROPN
easat-7649	147	14	ms	ms	PROPN
easat-7649	147	15	ta	ta	PROPN
easat-7649	147	16	wem	wem	PROPN
easat-7649	147	17	vif	vif	PROPN
easat-7649	147	18	mc1	mc1	PROPN
easat-7649	147	19	0.774	0.774	NUM
easat-7649	147	20	0.533	0.533	NUM
easat-7649	147	21	0.432	0.432	NUM
easat-7649	147	22	0.377	0.377	NUM
easat-7649	147	23	0.453	0.453	NUM
easat-7649	147	24	1.368	1.368	NUM
easat-7649	147	25	mc2	mc2	NOUN
easat-7649	147	26	0.782	0.782	NUM
easat-7649	147	27	0.49	0.49	NUM
easat-7649	147	28	0.445	0.445	NUM
easat-7649	147	29	0.419	0.419	NUM
easat-7649	147	30	0.444	0.444	NUM
easat-7649	147	31	1.404	1.404	NUM
easat-7649	147	32	mc3	mc3	NOUN
easat-7649	147	33	0.813	0.813	NUM
easat-7649	147	34	0.584	0.584	NUM
easat-7649	147	35	0.529	0.529	NUM
easat-7649	147	36	0.509	0.509	NUM
easat-7649	147	37	0.545	0.545	NUM
easat-7649	147	38	1.332	1.332	NUM
easat-7649	147	39	mi1	mi1	PROPN
easat-7649	147	40	0.504	0.504	NUM
easat-7649	147	41	0.727	0.727	NUM
easat-7649	147	42	0.491	0.491	NUM
easat-7649	147	43	0.555	0.555	NUM
easat-7649	147	44	0.521	0.521	NUM
easat-7649	147	45	1.325	1.325	NUM
easat-7649	147	46	mi2	mi2	PROPN
easat-7649	147	47	0.484	0.484	NUM
easat-7649	147	48	0.754	0.754	NUM
easat-7649	147	49	0.491	0.491	NUM
easat-7649	147	50	0.44	0.44	NUM
easat-7649	147	51	0.462	0.462	NUM
easat-7649	147	52	1.504	1.504	NUM
easat-7649	147	53	mi3	mi3	PROPN
easat-7649	147	54	0.52	0.52	NUM
easat-7649	147	55	0.79	0.79	NUM
easat-7649	147	56	0.513	0.513	NUM
easat-7649	147	57	0.564	0.564	NUM
easat-7649	147	58	0.498	0.498	NUM
easat-7649	147	59	1.595	1.595	NUM
easat-7649	147	60	mi4	mi4	PROPN
easat-7649	147	61	0.567	0.567	NUM
easat-7649	147	62	0.781	0.781	NUM
easat-7649	147	63	0.421	0.421	NUM
easat-7649	147	64	0.524	0.524	NUM
easat-7649	147	65	0.535	0.535	NUM
easat-7649	147	66	1.49	1.49	NUM
easat-7649	147	67	ms1	ms1	NOUN
easat-7649	147	68	0.405	0.405	NUM
easat-7649	147	69	0.385	0.385	NUM
easat-7649	147	70	0.706	0.706	NUM
easat-7649	147	71	0.384	0.384	NUM
easat-7649	147	72	0.4	0.4	NUM
easat-7649	147	73	1.333	1.333	NUM
easat-7649	147	74	ms2	ms2	NOUN
easat-7649	147	75	0.417	0.417	NUM
easat-7649	147	76	0.431	0.431	NUM
easat-7649	147	77	0.746	0.746	NUM
easat-7649	147	78	0.396	0.396	NUM
easat-7649	147	79	0.411	0.411	NUM
easat-7649	147	80	1.417	1.417	NUM
easat-7649	147	81	ms3	ms3	NOUN
easat-7649	147	82	0.529	0.529	ADV
easat-7649	147	83	0.569	0.569	NUM
easat-7649	147	84	0.809	0.809	NUM
easat-7649	147	85	0.451	0.451	NUM
easat-7649	147	86	0.477	0.477	NUM
easat-7649	147	87	1.55	1.55	NUM
easat-7649	147	88	ms4	ms4	NOUN
easat-7649	147	89	0.415	0.415	NUM
easat-7649	147	90	0.462	0.462	NUM
easat-7649	147	91	0.709	0.709	NUM
easat-7649	147	92	0.373	0.373	NUM
easat-7649	147	93	0.413	0.413	NUM
easat-7649	147	94	1.333	1.333	NUM
easat-7649	147	95	ta1	ta1	NOUN
easat-7649	147	96	0.468	0.468	NUM
easat-7649	147	97	0.49	0.49	NUM
easat-7649	147	98	0.408	0.408	NUM
easat-7649	147	99	0.751	0.751	NUM
easat-7649	147	100	0.506	0.506	NUM
easat-7649	147	101	1.418	1.418	NUM
easat-7649	147	102	ta2	ta2	PROPN
easat-7649	147	103	0.366	0.366	NUM
easat-7649	147	104	0.504	0.504	NUM
easat-7649	147	105	0.432	0.432	NUM
easat-7649	147	106	0.754	0.754	NUM
easat-7649	147	107	0.419	0.419	NUM
easat-7649	147	108	1.531	1.531	NUM
easat-7649	147	109	ta3	ta3	NOUN
easat-7649	147	110	0.463	0.463	NUM
easat-7649	147	111	0.532	0.532	NUM
easat-7649	147	112	0.429	0.429	NUM
easat-7649	147	113	0.79	0.79	NUM
easat-7649	147	114	0.531	0.531	NUM
easat-7649	147	115	1.495	1.495	NUM
easat-7649	147	116	ta4	ta4	NOUN
easat-7649	147	117	0.384	0.384	NUM
easat-7649	147	118	0.558	0.558	NUM
easat-7649	147	119	0.381	0.381	NUM
easat-7649	147	120	0.75	0.75	NUM
easat-7649	147	121	0.487	0.487	NUM
easat-7649	147	122	1.458	1.458	NUM
easat-7649	147	123	wem1	wem1	PROPN
easat-7649	147	124	0.479	0.479	NUM
easat-7649	147	125	0.483	0.483	NUM
easat-7649	147	126	0.417	0.417	NUM
easat-7649	147	127	0.47	0.47	NUM
easat-7649	147	128	0.744	0.744	NUM
easat-7649	147	129	1.762	1.762	NUM
easat-7649	147	130	wem2	wem2	NOUN
easat-7649	147	131	0.452	0.452	NUM
easat-7649	147	132	0.472	0.472	NUM
easat-7649	147	133	0.458	0.458	NUM
easat-7649	147	134	0.453	0.453	NUM
easat-7649	147	135	0.693	0.693	NUM
easat-7649	147	136	1.534	1.534	NUM
easat-7649	147	137	wem3	wem3	PROPN
easat-7649	147	138	0.42	0.42	NUM
easat-7649	147	139	0.456	0.456	NUM
easat-7649	147	140	0.433	0.433	NUM
easat-7649	147	141	0.466	0.466	NUM
easat-7649	147	142	0.752	0.752	NUM
easat-7649	147	143	1.727	1.727	NUM
easat-7649	147	144	wem4	wem4	NOUN
easat-7649	147	145	0.444	0.444	NUM
easat-7649	147	146	0.502	0.502	NUM
easat-7649	147	147	0.407	0.407	NUM
easat-7649	147	148	0.501	0.501	NUM
easat-7649	147	149	0.714	0.714	NUM
easat-7649	147	150	1.583	1.583	NUM
easat-7649	147	151	wem5	wem5	NOUN
easat-7649	147	152	0.458	0.458	NUM
easat-7649	147	153	0.482	0.482	NUM
easat-7649	147	154	0.372	0.372	NUM
easat-7649	147	155	0.447	0.447	NUM
easat-7649	147	156	0.738	0.738	NUM
easat-7649	147	157	1.837	1.837	NUM
easat-7649	147	158	wem6	wem6	PROPN
easat-7649	147	159	0.451	0.451	NUM
easat-7649	147	160	0.528	0.528	NUM
easat-7649	147	161	0.444	0.444	NUM
easat-7649	147	162	0.496	0.496	NUM
easat-7649	147	163	0.775	0.775	NUM
easat-7649	147	164	1.77	1.77	NUM
easat-7649	147	165	table	table	NOUN
easat-7649	147	166	5	5	NUM
easat-7649	147	167	combines	combine	VERB
easat-7649	147	168	the	the	DET
easat-7649	147	169	cross	cross	NOUN
easat-7649	147	170	-	-	NOUN
easat-7649	147	171	loadings	loading	NOUN
easat-7649	147	172	for	for	ADP
easat-7649	147	173	each	each	DET
easat-7649	147	174	item	item	NOUN
easat-7649	147	175	under	under	ADP
easat-7649	147	176	their	their	PRON
easat-7649	147	177	respective	respective	ADJ
easat-7649	147	178	constructs	construct	NOUN
easat-7649	147	179	(	(	PUNCT
easat-7649	147	180	micro	micro	ADJ
easat-7649	147	181	credit	credit	NOUN
easat-7649	147	182	,	,	PUNCT
easat-7649	147	183	micro	micro	ADJ
easat-7649	147	184	insurance	insurance	NOUN
easat-7649	147	185	,	,	PUNCT
easat-7649	147	186	micro	micro	ADJ
easat-7649	147	187	saving	saving	NOUN
easat-7649	147	188	,	,	PUNCT
easat-7649	147	189	training	training	NOUN
easat-7649	147	190	&	&	CCONJ
easat-7649	147	191	advisory	advisory	ADJ
easat-7649	147	192	services	service	NOUN
easat-7649	147	193	,	,	PUNCT
easat-7649	147	194	and	and	CCONJ
easat-7649	147	195	women	woman	NOUN
easat-7649	147	196	economic	economic	ADJ
easat-7649	147	197	empowerment	empowerment	NOUN
easat-7649	147	198	)	)	PUNCT
easat-7649	147	199	alongside	alongside	ADP
easat-7649	147	200	the	the	DET
easat-7649	147	201	variance	variance	NOUN
easat-7649	147	202	inflation	inflation	NOUN
easat-7649	147	203	factor	factor	NOUN
easat-7649	147	204	(	(	PUNCT
easat-7649	147	205	vif	vif	NOUN
easat-7649	147	206	)	)	PUNCT
easat-7649	147	207	values	value	NOUN
easat-7649	147	208	.	.	PUNCT
easat-7649	148	1	the	the	DET
easat-7649	148	2	cross	cross	ADJ
easat-7649	148	3	-	-	ADJ
easat-7649	148	4	loadings	loading	NOUN
easat-7649	148	5	show	show	VERB
easat-7649	148	6	how	how	SCONJ
easat-7649	148	7	each	each	DET
easat-7649	148	8	item	item	NOUN
easat-7649	148	9	correlates	correlate	VERB
easat-7649	148	10	with	with	ADP
easat-7649	148	11	its	its	PRON
easat-7649	148	12	own	own	ADJ
easat-7649	148	13	construct	construct	NOUN
easat-7649	148	14	(	(	PUNCT
easat-7649	148	15	primary	primary	ADJ
easat-7649	148	16	loadings	loading	NOUN
easat-7649	148	17	)	)	PUNCT
easat-7649	148	18	compared	compare	VERB
easat-7649	148	19	to	to	ADP
easat-7649	148	20	other	other	ADJ
easat-7649	148	21	constructs	construct	NOUN
easat-7649	148	22	(	(	PUNCT
easat-7649	148	23	secondary	secondary	ADJ
easat-7649	148	24	loadings	loading	NOUN
easat-7649	148	25	)	)	PUNCT
easat-7649	148	26	.	.	PUNCT
easat-7649	149	1	from	from	ADP
easat-7649	149	2	the	the	DET
easat-7649	149	3	data	datum	NOUN
easat-7649	149	4	,	,	PUNCT
easat-7649	149	5	it	it	PRON
easat-7649	149	6	is	be	AUX
easat-7649	149	7	evident	evident	ADJ
easat-7649	149	8	that	that	SCONJ
easat-7649	149	9	the	the	DET
easat-7649	149	10	primary	primary	ADJ
easat-7649	149	11	loadings	loading	NOUN
easat-7649	149	12	for	for	ADP
easat-7649	149	13	each	each	DET
easat-7649	149	14	item	item	NOUN
easat-7649	149	15	are	be	AUX
easat-7649	149	16	significantly	significantly	ADV
easat-7649	149	17	higher	high	ADJ
easat-7649	149	18	than	than	ADP
easat-7649	149	19	the	the	DET
easat-7649	149	20	secondary	secondary	ADJ
easat-7649	149	21	loadings	loading	NOUN
easat-7649	149	22	,	,	PUNCT
easat-7649	149	23	indicating	indicate	VERB
easat-7649	149	24	good	good	ADJ
easat-7649	149	25	discriminant	discriminant	ADJ
easat-7649	149	26	validity	validity	NOUN
easat-7649	149	27	.	.	PUNCT
easat-7649	150	1	additionally	additionally	ADV
easat-7649	150	2	,	,	PUNCT
easat-7649	150	3	the	the	DET
easat-7649	150	4	vif	vif	NOUN
easat-7649	150	5	values	value	NOUN
easat-7649	150	6	,	,	PUNCT
easat-7649	150	7	which	which	PRON
easat-7649	150	8	measure	measure	VERB
easat-7649	150	9	multi	multi	NOUN
easat-7649	150	10	-	-	NOUN
easat-7649	150	11	collinearity	collinearity	NOUN
easat-7649	150	12	,	,	PUNCT
easat-7649	150	13	are	be	AUX
easat-7649	150	14	all	all	ADV
easat-7649	150	15	below	below	ADP
easat-7649	150	16	3	3	NUM
easat-7649	150	17	,	,	PUNCT
easat-7649	150	18	suggesting	suggest	VERB
easat-7649	150	19	that	that	SCONJ
easat-7649	150	20	there	there	PRON
easat-7649	150	21	is	be	VERB
easat-7649	150	22	no	no	DET
easat-7649	150	23	issue	issue	NOUN
easat-7649	150	24	with	with	ADP
easat-7649	150	25	multicollinearity	multicollinearity	NOUN
easat-7649	150	26	among	among	ADP
easat-7649	150	27	the	the	DET
easat-7649	150	28	items	item	NOUN
easat-7649	150	29	.	.	PUNCT
easat-7649	151	1	therefore	therefore	ADV
easat-7649	151	2	,	,	PUNCT
easat-7649	151	3	both	both	PRON
easat-7649	151	4	discriminant	discriminant	ADJ
easat-7649	151	5	validity	validity	NOUN
easat-7649	151	6	and	and	CCONJ
easat-7649	151	7	the	the	DET
easat-7649	151	8	absence	absence	NOUN
easat-7649	151	9	of	of	ADP
easat-7649	151	10	multicollinearity	multicollinearity	NOUN
easat-7649	151	11	are	be	AUX
easat-7649	151	12	confirmed	confirm	VERB
easat-7649	151	13	,	,	PUNCT
easat-7649	151	14	supporting	support	VERB
easat-7649	151	15	the	the	DET
easat-7649	151	16	robustness	robustness	NOUN
easat-7649	151	17	of	of	ADP
easat-7649	151	18	the	the	DET
easat-7649	151	19	measurement	measurement	NOUN
easat-7649	151	20	model	model	NOUN
easat-7649	151	21	in	in	ADP
easat-7649	151	22	this	this	DET
easat-7649	151	23	study	study	NOUN
easat-7649	151	24	.	.	PUNCT
easat-7649	152	1	table	table	NOUN
easat-7649	152	2	6	6	NUM
easat-7649	152	3	.	.	PUNCT
easat-7649	153	1	fornell	fornell	NOUN
easat-7649	153	2	-	-	PUNCT
easat-7649	153	3	larcker	larcker	NOUN
easat-7649	153	4	criterion	criterion	NOUN
easat-7649	153	5	.	.	PUNCT
easat-7649	154	1	construct	construct	VERB
easat-7649	154	2	micro	micro	PROPN
easat-7649	154	3	credit	credit	PROPN
easat-7649	154	4	micro	micro	PROPN
easat-7649	154	5	insurance	insurance	PROPN
easat-7649	154	6	micro	micro	PROPN
easat-7649	154	7	saving	save	VERB
easat-7649	154	8	training	training	NOUN
easat-7649	154	9	advisory	advisory	ADJ
easat-7649	154	10	wem	wem	PROPN
easat-7649	154	11	micro	micro	PROPN
easat-7649	154	12	credit	credit	PROPN
easat-7649	154	13	0.79	0.79	NUM
easat-7649	154	14	micro	micro	ADJ
easat-7649	154	15	insurance	insurance	NOUN
easat-7649	154	16	0.681	0.681	NUM
easat-7649	154	17	0.763	0.763	NUM
easat-7649	154	18	micro	micro	NOUN
easat-7649	154	19	saving	save	VERB
easat-7649	154	20	0.597	0.597	NUM
easat-7649	154	21	0.626	0.626	NUM
easat-7649	154	22	0.743	0.743	NUM
easat-7649	154	23	training	training	NOUN
easat-7649	154	24	advisory	advisory	NOUN
easat-7649	154	25	0.556	0.556	NUM
easat-7649	154	26	0.685	0.685	NUM
easat-7649	154	27	0.541	0.541	NUM
easat-7649	154	28	0.761	0.761	NUM
easat-7649	154	29	wem	wem	NOUN
easat-7649	154	30	0.613	0.613	NUM
easat-7649	154	31	0.663	0.663	NUM
easat-7649	154	32	0.574	0.574	NUM
easat-7649	154	33	0.642	0.642	NUM
easat-7649	154	34	0.737	0.737	NUM
easat-7649	154	35	table	table	NOUN
easat-7649	154	36	6	6	NUM
easat-7649	154	37	shows	show	VERB
easat-7649	154	38	the	the	DET
easat-7649	154	39	fornell	fornell	NOUN
easat-7649	154	40	-	-	PUNCT
easat-7649	154	41	larcker	larcker	NOUN
easat-7649	154	42	criterion	criterion	NOUN
easat-7649	154	43	,	,	PUNCT
easat-7649	154	44	which	which	PRON
easat-7649	154	45	provides	provide	VERB
easat-7649	154	46	the	the	DET
easat-7649	154	47	cross	cross	NOUN
easat-7649	154	48	-	-	NOUN
easat-7649	154	49	loadings	loading	NOUN
easat-7649	154	50	of	of	ADP
easat-7649	154	51	the	the	DET
easat-7649	154	52	constructs	construct	NOUN
easat-7649	154	53	.	.	PUNCT
easat-7649	155	1	the	the	DET
easat-7649	155	2	square	square	ADJ
easat-7649	155	3	root	root	NOUN
easat-7649	155	4	of	of	ADP
easat-7649	155	5	the	the	DET
easat-7649	155	6	average	average	ADJ
easat-7649	155	7	variance	variance	NOUN
easat-7649	155	8	extracted	extract	VERB
easat-7649	155	9	(	(	PUNCT
easat-7649	155	10	ave	ave	PROPN
easat-7649	155	11	)	)	PUNCT
easat-7649	155	12	is	be	AUX
easat-7649	155	13	presented	present	VERB
easat-7649	155	14	along	along	ADP
easat-7649	155	15	the	the	DET
easat-7649	155	16	diagonal	diagonal	NOUN
easat-7649	155	17	of	of	ADP
easat-7649	155	18	the	the	DET
easat-7649	155	19	table	table	NOUN
easat-7649	155	20	.	.	PUNCT
easat-7649	156	1	it	it	PRON
easat-7649	156	2	is	be	AUX
easat-7649	156	3	crucial	crucial	ADJ
easat-7649	156	4	that	that	SCONJ
easat-7649	156	5	a	a	DET
easat-7649	156	6	construct	construct	NOUN
easat-7649	156	7	has	have	VERB
easat-7649	156	8	a	a	DET
easat-7649	156	9	higher	high	ADJ
easat-7649	156	10	variance	variance	NOUN
easat-7649	156	11	with	with	ADP
easat-7649	156	12	its	its	PRON
easat-7649	156	13	indicators	indicator	NOUN
easat-7649	156	14	than	than	ADP
easat-7649	156	15	with	with	ADP
easat-7649	156	16	other	other	ADJ
easat-7649	156	17	constructs	construct	NOUN
easat-7649	156	18	in	in	ADP
easat-7649	156	19	the	the	DET
easat-7649	156	20	model	model	NOUN
easat-7649	156	21	.	.	PUNCT
easat-7649	157	1	therefore	therefore	ADV
easat-7649	157	2	,	,	PUNCT
easat-7649	157	3	the	the	DET
easat-7649	157	4	square	square	ADJ
easat-7649	157	5	root	root	NOUN
easat-7649	157	6	of	of	ADP
easat-7649	157	7	the	the	DET
easat-7649	157	8	ave	ave	NOUN
easat-7649	157	9	,	,	PUNCT
easat-7649	157	10	shown	show	VERB
easat-7649	157	11	in	in	ADP
easat-7649	157	12	bold	bold	ADJ
easat-7649	157	13	,	,	PUNCT
easat-7649	157	14	is	be	AUX
easat-7649	157	15	higher	high	ADJ
easat-7649	157	16	than	than	ADP
easat-7649	157	17	the	the	DET
easat-7649	157	18	coefficients	coefficient	NOUN
easat-7649	157	19	between	between	ADP
easat-7649	157	20	that	that	DET
easat-7649	157	21	construct	construct	NOUN
easat-7649	157	22	and	and	CCONJ
easat-7649	157	23	all	all	DET
easat-7649	157	24	other	other	ADJ
easat-7649	157	25	constructs	construct	NOUN
easat-7649	157	26	in	in	ADP
easat-7649	157	27	the	the	DET
easat-7649	157	28	model	model	NOUN
easat-7649	157	29	[	[	X
easat-7649	157	30	24	24	NUM
easat-7649	157	31	]	]	PUNCT
easat-7649	157	32	.	.	PUNCT
easat-7649	158	1	3087	3087	NUM
easat-7649	158	2	edelweiss	edelweiss	PROPN
easat-7649	158	3	applied	apply	VERB
easat-7649	158	4	science	science	NOUN
easat-7649	158	5	and	and	CCONJ
easat-7649	158	6	technology	technology	NOUN
easat-7649	158	7	issn	issn	PROPN
easat-7649	158	8	:	:	PUNCT
easat-7649	158	9	2576	2576	NUM
easat-7649	158	10	-	-	SYM
easat-7649	158	11	8484	8484	NUM
easat-7649	158	12	vol	vol	NOUN
easat-7649	158	13	.	.	PROPN
easat-7649	159	1	9	9	NUM
easat-7649	159	2	,	,	PUNCT
easat-7649	159	3	no	no	INTJ
easat-7649	159	4	.	.	NOUN
easat-7649	159	5	5	5	NUM
easat-7649	159	6	:	:	SYM
easat-7649	159	7	3080	3080	NUM
easat-7649	159	8	-	-	SYM
easat-7649	159	9	3092	3092	NUM
easat-7649	159	10	,	,	PUNCT
easat-7649	159	11	2025	2025	NUM
easat-7649	159	12	doi	doi	NOUN
easat-7649	159	13	:	:	PUNCT
easat-7649	159	14	10.55214/25768484.v9i5.7649	10.55214/25768484.v9i5.7649	NUM
easat-7649	159	15	©	©	PROPN
easat-7649	159	16	2025	2025	NUM
easat-7649	159	17	by	by	ADP
easat-7649	159	18	the	the	DET
easat-7649	159	19	authors	author	NOUN
easat-7649	159	20	;	;	PUNCT
easat-7649	159	21	licensee	licensee	PROPN
easat-7649	159	22	learning	learn	VERB
easat-7649	159	23	gate	gate	NOUN
easat-7649	159	24	table	table	NOUN
easat-7649	159	25	7	7	NUM
easat-7649	159	26	.	.	PUNCT
easat-7649	159	27	heterotrait	heterotrait	NOUN
easat-7649	159	28	-	-	PUNCT
easat-7649	159	29	monotrait	monotrait	NOUN
easat-7649	159	30	ratio	ratio	NOUN
easat-7649	159	31	(	(	PUNCT
easat-7649	159	32	htmt	htmt	PROPN
easat-7649	159	33	)	)	PUNCT
easat-7649	159	34	.	.	PUNCT
easat-7649	160	1	construct	construct	VERB
easat-7649	160	2	micro	micro	PROPN
easat-7649	160	3	credit	credit	PROPN
easat-7649	160	4	micro	micro	PROPN
easat-7649	160	5	insurance	insurance	PROPN
easat-7649	160	6	micro	micro	PROPN
easat-7649	160	7	saving	save	VERB
easat-7649	160	8	training	training	NOUN
easat-7649	160	9	advisory	advisory	ADJ
easat-7649	160	10	wem	wem	PROPN
easat-7649	160	11	micro	micro	PROPN
easat-7649	160	12	credit	credit	PROPN
easat-7649	160	13	micro	micro	PROPN
easat-7649	160	14	insurance	insurance	PROPN
easat-7649	160	15	0.845	0.845	NUM
easat-7649	160	16	micro	micro	NOUN
easat-7649	160	17	saving	save	VERB
easat-7649	160	18	0.825	0.825	NUM
easat-7649	160	19	0.836	0.836	NUM
easat-7649	160	20	training	training	NOUN
easat-7649	160	21	advisory	advisory	NOUN
easat-7649	160	22	0.749	0.749	NUM
easat-7649	160	23	0.896	0.896	NUM
easat-7649	160	24	0.727	0.727	NUM
easat-7649	160	25	wem	wem	NOUN
easat-7649	160	26	0.796	0.796	NUM
easat-7649	160	27	0.83	0.83	NUM
easat-7649	160	28	0.735	0.735	NUM
easat-7649	160	29	0.802	0.802	NUM
easat-7649	160	30	table	table	NOUN
easat-7649	160	31	7	7	NUM
easat-7649	160	32	displays	display	VERB
easat-7649	160	33	the	the	DET
easat-7649	160	34	heterotrait	heterotrait	ADJ
easat-7649	160	35	-	-	PUNCT
easat-7649	160	36	monotrait	monotrait	NOUN
easat-7649	160	37	ratio	ratio	NOUN
easat-7649	160	38	(	(	PUNCT
easat-7649	160	39	htmt	htmt	PROPN
easat-7649	160	40	)	)	PUNCT
easat-7649	160	41	.	.	PUNCT
easat-7649	161	1	henseler	henseler	PROPN
easat-7649	161	2	,	,	PUNCT
easat-7649	161	3	et	et	PROPN
easat-7649	161	4	al	al	PROPN
easat-7649	161	5	.	.	PUNCT
easat-7649	162	1	[	[	X
easat-7649	162	2	21	21	NUM
easat-7649	162	3	]	]	PUNCT
easat-7649	162	4	developed	develop	VERB
easat-7649	162	5	simulation	simulation	NOUN
easat-7649	162	6	studies	study	NOUN
easat-7649	162	7	to	to	PART
easat-7649	162	8	show	show	VERB
easat-7649	162	9	that	that	SCONJ
easat-7649	162	10	a	a	DET
easat-7649	162	11	lack	lack	NOUN
easat-7649	162	12	of	of	ADP
easat-7649	162	13	discriminant	discriminant	ADJ
easat-7649	162	14	validity	validity	NOUN
easat-7649	162	15	can	can	AUX
easat-7649	162	16	be	be	AUX
easat-7649	162	17	effectively	effectively	ADV
easat-7649	162	18	identified	identify	VERB
easat-7649	162	19	using	use	VERB
easat-7649	162	20	the	the	DET
easat-7649	162	21	htmt	htmt	PROPN
easat-7649	162	22	ratio	ratio	NOUN
easat-7649	162	23	.	.	PUNCT
easat-7649	163	1	the	the	DET
easat-7649	163	2	results	result	NOUN
easat-7649	163	3	indicate	indicate	VERB
easat-7649	163	4	that	that	SCONJ
easat-7649	163	5	all	all	DET
easat-7649	163	6	htmt	htmt	NOUN
easat-7649	163	7	ratios	ratio	NOUN
easat-7649	163	8	for	for	ADP
easat-7649	163	9	each	each	DET
easat-7649	163	10	pair	pair	NOUN
easat-7649	163	11	of	of	ADP
easat-7649	163	12	factors	factor	NOUN
easat-7649	163	13	are	be	AUX
easat-7649	163	14	below	below	ADP
easat-7649	163	15	the	the	DET
easat-7649	163	16	threshold	threshold	NOUN
easat-7649	163	17	of	of	ADP
easat-7649	163	18	0.90	0.90	NUM
easat-7649	163	19	.	.	PUNCT
easat-7649	164	1	therefore	therefore	ADV
easat-7649	164	2	,	,	PUNCT
easat-7649	164	3	discriminant	discriminant	ADJ
easat-7649	164	4	validity	validity	NOUN
easat-7649	164	5	has	have	AUX
easat-7649	164	6	been	be	AUX
easat-7649	164	7	confirmed	confirm	VERB
easat-7649	164	8	using	use	VERB
easat-7649	164	9	the	the	DET
easat-7649	164	10	fornell	fornell	ADJ
easat-7649	164	11	-	-	PUNCT
easat-7649	164	12	larcker	larcker	NOUN
easat-7649	164	13	criterion	criterion	NOUN
easat-7649	164	14	,	,	PUNCT
easat-7649	164	15	cross	cross	NOUN
easat-7649	164	16	loadings	loading	NOUN
easat-7649	164	17	,	,	PUNCT
easat-7649	164	18	and	and	CCONJ
easat-7649	164	19	htmt	htmt	NOUN
easat-7649	164	20	ratio	ratio	NOUN
easat-7649	164	21	.	.	PUNCT
easat-7649	165	1	3.6	3.6	NUM
easat-7649	165	2	.	.	PUNCT
easat-7649	166	1	model	model	PROPN
easat-7649	166	2	fit	fit	ADJ
easat-7649	166	3	indices	index	NOUN
easat-7649	166	4	as	as	ADP
easat-7649	166	5	a	a	DET
easat-7649	166	6	measure	measure	NOUN
easat-7649	166	7	of	of	ADP
easat-7649	166	8	the	the	DET
easat-7649	166	9	goodness	goodness	NOUN
easat-7649	166	10	of	of	ADP
easat-7649	166	11	fit	fit	NOUN
easat-7649	166	12	for	for	ADP
easat-7649	166	13	the	the	DET
easat-7649	166	14	current	current	ADJ
easat-7649	166	15	model	model	NOUN
easat-7649	166	16	,	,	PUNCT
easat-7649	166	17	the	the	DET
easat-7649	166	18	standardized	standardized	ADJ
easat-7649	166	19	root	root	NOUN
easat-7649	166	20	mean	mean	NOUN
easat-7649	166	21	square	square	ADJ
easat-7649	166	22	residual	residual	ADJ
easat-7649	166	23	(	(	PUNCT
easat-7649	166	24	srmr	srmr	PROPN
easat-7649	166	25	)	)	PUNCT
easat-7649	166	26	,	,	PUNCT
easat-7649	166	27	developed	develop	VERB
easat-7649	166	28	by	by	ADP
easat-7649	166	29	henseler	henseler	NOUN
easat-7649	166	30	,	,	PUNCT
easat-7649	166	31	et	et	PROPN
easat-7649	166	32	al	al	PROPN
easat-7649	166	33	.	.	PUNCT
easat-7649	167	1	[	[	X
easat-7649	167	2	21	21	NUM
easat-7649	167	3	]	]	PUNCT
easat-7649	167	4	was	be	AUX
easat-7649	167	5	adopted	adopt	VERB
easat-7649	167	6	.	.	PUNCT
easat-7649	168	1	srmr	srmr	PROPN
easat-7649	168	2	is	be	AUX
easat-7649	168	3	the	the	DET
easat-7649	168	4	difference	difference	NOUN
easat-7649	168	5	between	between	ADP
easat-7649	168	6	the	the	DET
easat-7649	168	7	observed	observe	VERB
easat-7649	168	8	correlation	correlation	NOUN
easat-7649	168	9	and	and	CCONJ
easat-7649	168	10	the	the	DET
easat-7649	168	11	correlation	correlation	NOUN
easat-7649	168	12	matrix	matrix	NOUN
easat-7649	168	13	implied	imply	VERB
easat-7649	168	14	by	by	ADP
easat-7649	168	15	the	the	DET
easat-7649	168	16	model	model	NOUN
easat-7649	168	17	,	,	PUNCT
easat-7649	168	18	which	which	PRON
easat-7649	168	19	allows	allow	VERB
easat-7649	168	20	for	for	ADP
easat-7649	168	21	comparing	compare	VERB
easat-7649	168	22	observed	observe	VERB
easat-7649	168	23	and	and	CCONJ
easat-7649	168	24	expected	expect	VERB
easat-7649	168	25	correlations	correlation	NOUN
easat-7649	168	26	.	.	PUNCT
easat-7649	169	1	according	accord	VERB
easat-7649	169	2	to	to	ADP
easat-7649	169	3	hu	hu	PROPN
easat-7649	169	4	and	and	CCONJ
easat-7649	169	5	bentler	bentler	NOUN
easat-7649	169	6	[	[	X
easat-7649	169	7	25	25	NUM
easat-7649	169	8	]	]	PUNCT
easat-7649	169	9	a	a	DET
easat-7649	169	10	value	value	NOUN
easat-7649	169	11	less	less	ADJ
easat-7649	169	12	than	than	ADP
easat-7649	169	13	0.10	0.10	NUM
easat-7649	169	14	indicates	indicate	VERB
easat-7649	169	15	a	a	DET
easat-7649	169	16	good	good	ADJ
easat-7649	169	17	model	model	NOUN
easat-7649	169	18	fit	fit	PROPN
easat-7649	169	19	.	.	PUNCT
easat-7649	170	1	from	from	ADP
easat-7649	170	2	8	8	NUM
easat-7649	170	3	,	,	PUNCT
easat-7649	170	4	it	it	PRON
easat-7649	170	5	can	can	AUX
easat-7649	170	6	be	be	AUX
easat-7649	170	7	seen	see	VERB
easat-7649	170	8	that	that	SCONJ
easat-7649	170	9	the	the	DET
easat-7649	170	10	srmr	srmr	PROPN
easat-7649	170	11	value	value	NOUN
easat-7649	170	12	is	be	AUX
easat-7649	170	13	0.068	0.068	NUM
easat-7649	170	14	,	,	PUNCT
easat-7649	170	15	indicating	indicate	VERB
easat-7649	170	16	that	that	SCONJ
easat-7649	170	17	the	the	DET
easat-7649	170	18	model	model	NOUN
easat-7649	170	19	is	be	AUX
easat-7649	170	20	suitable	suitable	ADJ
easat-7649	170	21	for	for	ADP
easat-7649	170	22	the	the	DET
easat-7649	170	23	study	study	NOUN
easat-7649	170	24	.	.	PUNCT
easat-7649	171	1	table	table	NOUN
easat-7649	171	2	8	8	NUM
easat-7649	171	3	.	.	PUNCT
easat-7649	171	4	srmr	srmr	PROPN
easat-7649	171	5	index	index	PROPN
easat-7649	171	6	.	.	PUNCT
easat-7649	172	1	model	model	NOUN
easat-7649	172	2	original	original	ADJ
easat-7649	172	3	sample	sample	NOUN
easat-7649	172	4	(	(	PUNCT
easat-7649	172	5	o	o	NOUN
easat-7649	172	6	)	)	PUNCT
easat-7649	172	7	sample	sample	NOUN
easat-7649	172	8	mean	mean	NOUN
easat-7649	172	9	(	(	PUNCT
easat-7649	172	10	m	m	NOUN
easat-7649	172	11	)	)	PUNCT
easat-7649	172	12	95	95	NUM
easat-7649	172	13	%	%	NOUN
easat-7649	172	14	confidence	confidence	NOUN
easat-7649	172	15	interval	interval	NOUN
easat-7649	172	16	saturated	saturate	VERB
easat-7649	172	17	model	model	NOUN
easat-7649	172	18	0.068	0.068	NUM
easat-7649	172	19	0.05	0.05	NUM
easat-7649	172	20	[	[	X
easat-7649	172	21	0.055	0.055	NUM
easat-7649	172	22	,	,	PUNCT
easat-7649	172	23	0.068	0.068	NUM
easat-7649	172	24	]	]	PUNCT
easat-7649	172	25	estimated	estimate	VERB
easat-7649	172	26	model	model	NOUN
easat-7649	172	27	0.068	0.068	NUM
easat-7649	172	28	0.051	0.051	NUM
easat-7649	173	1	[	[	X
easat-7649	173	2	0.056	0.056	NUM
easat-7649	173	3	,	,	PUNCT
easat-7649	173	4	0.070	0.070	NUM
easat-7649	173	5	]	]	PUNCT
easat-7649	173	6	the	the	DET
easat-7649	173	7	srmr	srmr	PROPN
easat-7649	173	8	value	value	NOUN
easat-7649	173	9	of	of	ADP
easat-7649	173	10	0.068	0.068	NUM
easat-7649	173	11	,	,	PUNCT
easat-7649	173	12	which	which	PRON
easat-7649	173	13	is	be	AUX
easat-7649	173	14	below	below	ADP
easat-7649	173	15	the	the	DET
easat-7649	173	16	threshold	threshold	NOUN
easat-7649	173	17	of	of	ADP
easat-7649	173	18	0.10	0.10	NUM
easat-7649	173	19	(	(	PUNCT
easat-7649	173	20	hu	hu	PROPN
easat-7649	173	21	&	&	CCONJ
easat-7649	173	22	bentler	bentler	PROPN
easat-7649	173	23	,	,	PUNCT
easat-7649	173	24	1999	1999	NUM
easat-7649	173	25	)	)	PUNCT
easat-7649	173	26	,	,	PUNCT
easat-7649	173	27	confirms	confirm	VERB
easat-7649	173	28	that	that	SCONJ
easat-7649	173	29	the	the	DET
easat-7649	173	30	model	model	NOUN
easat-7649	173	31	fits	fit	VERB
easat-7649	173	32	well	well	ADV
easat-7649	173	33	for	for	ADP
easat-7649	173	34	the	the	DET
easat-7649	173	35	study	study	NOUN
easat-7649	173	36	.	.	PUNCT
easat-7649	174	1	3.7	3.7	NUM
easat-7649	174	2	.	.	PUNCT
easat-7649	174	3	correlation	correlation	NOUN
easat-7649	174	4	matrix	matrix	NOUN
easat-7649	174	5	the	the	DET
easat-7649	174	6	correlation	correlation	NOUN
easat-7649	174	7	matrix	matrix	NOUN
easat-7649	174	8	in	in	ADP
easat-7649	174	9	9	9	NUM
easat-7649	174	10	presents	present	VERB
easat-7649	174	11	the	the	DET
easat-7649	174	12	associations	association	NOUN
easat-7649	174	13	and	and	CCONJ
easat-7649	174	14	the	the	DET
easat-7649	174	15	significance	significance	NOUN
easat-7649	174	16	levels	level	NOUN
easat-7649	174	17	between	between	ADP
easat-7649	174	18	micro	micro	PROPN
easat-7649	174	19	saving	saving	PROPN
easat-7649	174	20	,	,	PUNCT
easat-7649	174	21	micro	micro	ADJ
easat-7649	174	22	credit	credit	NOUN
easat-7649	174	23	,	,	PUNCT
easat-7649	174	24	micro	micro	ADJ
easat-7649	174	25	insurance	insurance	NOUN
easat-7649	174	26	,	,	PUNCT
easat-7649	174	27	training	training	NOUN
easat-7649	174	28	and	and	CCONJ
easat-7649	174	29	advisory	advisory	ADJ
easat-7649	174	30	services	service	NOUN
easat-7649	174	31	,	,	PUNCT
easat-7649	174	32	and	and	CCONJ
easat-7649	174	33	women	woman	NOUN
easat-7649	174	34	economic	economic	ADJ
easat-7649	174	35	empowerment	empowerment	NOUN
easat-7649	174	36	.	.	PUNCT
easat-7649	175	1	table	table	NOUN
easat-7649	175	2	9	9	NUM
easat-7649	175	3	.	.	PUNCT
easat-7649	175	4	correlation	correlation	NOUN
easat-7649	175	5	matrix	matrix	NOUN
easat-7649	175	6	.	.	PUNCT
easat-7649	176	1	construct	construct	VERB
easat-7649	176	2	micro	micro	PROPN
easat-7649	176	3	saving	saving	PROPN
easat-7649	176	4	micro	micro	PROPN
easat-7649	176	5	credit	credit	PROPN
easat-7649	176	6	micro	micro	PROPN
easat-7649	176	7	insurance	insurance	NOUN
easat-7649	176	8	training	training	NOUN
easat-7649	176	9	and	and	CCONJ
easat-7649	176	10	advisory	advisory	ADJ
easat-7649	176	11	services	service	NOUN
easat-7649	176	12	women	woman	NOUN
easat-7649	176	13	economic	economic	ADJ
easat-7649	176	14	empowerment	empowerment	NOUN
easat-7649	176	15	micro	micro	NOUN
easat-7649	176	16	saving	save	VERB
easat-7649	176	17	1	1	NUM
easat-7649	176	18	micro	micro	NOUN
easat-7649	176	19	credit	credit	NOUN
easat-7649	176	20	0.591	0.591	NOUN
easat-7649	176	21	*	*	NOUN
easat-7649	176	22	*	*	SYM
easat-7649	176	23	1	1	NUM
easat-7649	176	24	micro	micro	NOUN
easat-7649	176	25	insurance	insurance	NOUN
easat-7649	176	26	0.626	0.626	NUM
easat-7649	176	27	*	*	PUNCT
easat-7649	176	28	*	*	NOUN
easat-7649	176	29	0.677	0.677	NUM
easat-7649	176	30	*	*	PUNCT
easat-7649	176	31	*	*	SYM
easat-7649	176	32	1	1	NUM
easat-7649	176	33	training	training	NOUN
easat-7649	176	34	and	and	CCONJ
easat-7649	176	35	advisory	advisory	NOUN
easat-7649	176	36	0.541	0.541	NUM
easat-7649	176	37	*	*	PUNCT
easat-7649	176	38	*	*	PUNCT
easat-7649	176	39	0.546	0.546	NUM
easat-7649	176	40	*	*	PUNCT
easat-7649	176	41	*	*	PUNCT
easat-7649	176	42	0.684	0.684	NUM
easat-7649	176	43	*	*	PUNCT
easat-7649	176	44	*	*	SYM
easat-7649	176	45	1	1	NUM
easat-7649	176	46	women	woman	NOUN
easat-7649	176	47	economic	economic	ADJ
easat-7649	176	48	empowerment	empowerment	NOUN
easat-7649	176	49	0.572	0.572	NUM
easat-7649	176	50	*	*	NOUN
easat-7649	176	51	*	*	PUNCT
easat-7649	176	52	0.607	0.607	NUM
easat-7649	176	53	*	*	X
easat-7649	176	54	*	*	X
easat-7649	176	55	0.660	0.660	NUM
easat-7649	176	56	*	*	X
easat-7649	176	57	*	*	PUNCT
easat-7649	176	58	0.638	0.638	NUM
easat-7649	176	59	*	*	SYM
easat-7649	176	60	*	*	SYM
easat-7649	176	61	1	1	NUM
easat-7649	176	62	note	note	NOUN
easat-7649	176	63	:	:	PUNCT
easat-7649	176	64	correlation	correlation	NOUN
easat-7649	176	65	is	be	AUX
easat-7649	176	66	significant	significant	ADJ
easat-7649	176	67	at	at	ADP
easat-7649	176	68	the	the	DET
easat-7649	176	69	0.01	0.01	NUM
easat-7649	176	70	level	level	NOUN
easat-7649	176	71	(	(	PUNCT
easat-7649	176	72	2	2	NUM
easat-7649	176	73	-	-	PUNCT
easat-7649	176	74	tailed	tailed	ADJ
easat-7649	176	75	)	)	PUNCT
easat-7649	176	76	.	.	PUNCT
easat-7649	177	1	table	table	NOUN
easat-7649	177	2	9	9	NUM
easat-7649	177	3	demonstrates	demonstrate	VERB
easat-7649	177	4	the	the	DET
easat-7649	177	5	correlation	correlation	NOUN
easat-7649	177	6	coefficients	coefficient	NOUN
easat-7649	177	7	and	and	CCONJ
easat-7649	177	8	their	their	PRON
easat-7649	177	9	significance	significance	NOUN
easat-7649	177	10	levels	level	NOUN
easat-7649	177	11	.	.	PUNCT
easat-7649	178	1	the	the	DET
easat-7649	178	2	correlations	correlation	NOUN
easat-7649	178	3	between	between	ADP
easat-7649	178	4	constructs	construct	NOUN
easat-7649	178	5	are	be	AUX
easat-7649	178	6	significant	significant	ADJ
easat-7649	178	7	at	at	ADP
easat-7649	178	8	the	the	DET
easat-7649	178	9	0.01	0.01	NUM
easat-7649	178	10	level	level	NOUN
easat-7649	178	11	,	,	PUNCT
easat-7649	178	12	confirming	confirm	VERB
easat-7649	178	13	strong	strong	ADJ
easat-7649	178	14	relationships	relationship	NOUN
easat-7649	178	15	between	between	ADP
easat-7649	178	16	micro	micro	PROPN
easat-7649	178	17	saving	saving	PROPN
easat-7649	178	18	,	,	PUNCT
easat-7649	178	19	micro	micro	ADJ
easat-7649	178	20	credit	credit	NOUN
easat-7649	178	21	,	,	PUNCT
easat-7649	178	22	micro	micro	ADJ
easat-7649	178	23	insurance	insurance	NOUN
easat-7649	178	24	,	,	PUNCT
easat-7649	178	25	training	training	NOUN
easat-7649	178	26	and	and	CCONJ
easat-7649	178	27	advisory	advisory	ADJ
easat-7649	178	28	services	service	NOUN
easat-7649	178	29	,	,	PUNCT
easat-7649	178	30	and	and	CCONJ
easat-7649	178	31	women	woman	NOUN
easat-7649	178	32	economic	economic	ADJ
easat-7649	178	33	empowerment	empowerment	NOUN
easat-7649	178	34	.	.	PUNCT
easat-7649	179	1	3088	3088	NUM
easat-7649	179	2	edelweiss	edelweiss	PROPN
easat-7649	179	3	applied	apply	VERB
easat-7649	179	4	science	science	NOUN
easat-7649	179	5	and	and	CCONJ
easat-7649	179	6	technology	technology	NOUN
easat-7649	179	7	issn	issn	PROPN
easat-7649	179	8	:	:	PUNCT
easat-7649	179	9	2576	2576	NUM
easat-7649	179	10	-	-	SYM
easat-7649	179	11	8484	8484	NUM
easat-7649	179	12	vol	vol	NOUN
easat-7649	179	13	.	.	PROPN
easat-7649	180	1	9	9	NUM
easat-7649	180	2	,	,	PUNCT
easat-7649	180	3	no	no	INTJ
easat-7649	180	4	.	.	NOUN
easat-7649	180	5	5	5	NUM
easat-7649	180	6	:	:	SYM
easat-7649	180	7	3080	3080	NUM
easat-7649	180	8	-	-	SYM
easat-7649	180	9	3092	3092	NUM
easat-7649	180	10	,	,	PUNCT
easat-7649	180	11	2025	2025	NUM
easat-7649	180	12	doi	doi	NOUN
easat-7649	180	13	:	:	PUNCT
easat-7649	180	14	10.55214/25768484.v9i5.7649	10.55214/25768484.v9i5.7649	NUM
easat-7649	180	15	©	©	PROPN
easat-7649	180	16	2025	2025	NUM
easat-7649	180	17	by	by	ADP
easat-7649	180	18	the	the	DET
easat-7649	180	19	authors	author	NOUN
easat-7649	180	20	;	;	PUNCT
easat-7649	180	21	licensee	licensee	PROPN
easat-7649	180	22	learning	learning	NOUN
easat-7649	180	23	gate	gate	VERB
easat-7649	180	24	3.8	3.8	NUM
easat-7649	180	25	.	.	PUNCT
easat-7649	181	1	sem	sem	PROPN
easat-7649	181	2	path	path	NOUN
easat-7649	181	3	analysis	analysis	NOUN
easat-7649	181	4	figure	figure	NOUN
easat-7649	181	5	2	2	NUM
easat-7649	181	6	illustrates	illustrate	VERB
easat-7649	181	7	the	the	DET
easat-7649	181	8	results	result	NOUN
easat-7649	181	9	of	of	ADP
easat-7649	181	10	the	the	DET
easat-7649	181	11	structural	structural	ADJ
easat-7649	181	12	equation	equation	NOUN
easat-7649	181	13	modeling	modeling	NOUN
easat-7649	181	14	(	(	PUNCT
easat-7649	181	15	sem	sem	NOUN
easat-7649	181	16	)	)	PUNCT
easat-7649	181	17	path	path	NOUN
easat-7649	181	18	analysis	analysis	NOUN
easat-7649	181	19	,	,	PUNCT
easat-7649	181	20	highlighting	highlight	VERB
easat-7649	181	21	the	the	DET
easat-7649	181	22	relationships	relationship	NOUN
easat-7649	181	23	between	between	ADP
easat-7649	181	24	the	the	DET
easat-7649	181	25	independent	independent	ADJ
easat-7649	181	26	variables	variable	NOUN
easat-7649	181	27	micro	micro	PROPN
easat-7649	181	28	saving	saving	PROPN
easat-7649	181	29	,	,	PUNCT
easat-7649	181	30	micro	micro	ADJ
easat-7649	181	31	credit	credit	NOUN
easat-7649	181	32	,	,	PUNCT
easat-7649	181	33	micro	micro	ADJ
easat-7649	181	34	insurance	insurance	NOUN
easat-7649	181	35	,	,	PUNCT
easat-7649	181	36	and	and	CCONJ
easat-7649	181	37	training	train	VERB
easat-7649	181	38	advisory	advisory	ADJ
easat-7649	181	39	services	service	NOUN
easat-7649	181	40	and	and	CCONJ
easat-7649	181	41	the	the	DET
easat-7649	181	42	dependent	dependent	ADJ
easat-7649	181	43	variable	variable	NOUN
easat-7649	181	44	,	,	PUNCT
easat-7649	181	45	women	woman	NOUN
easat-7649	181	46	economic	economic	ADJ
easat-7649	181	47	empowerment	empowerment	NOUN
easat-7649	181	48	(	(	PUNCT
easat-7649	181	49	wem	wem	PROPN
easat-7649	181	50	)	)	PUNCT
easat-7649	181	51	.	.	PUNCT
easat-7649	182	1	the	the	DET
easat-7649	182	2	r²	r²	NOUN
easat-7649	182	3	value	value	NOUN
easat-7649	182	4	for	for	ADP
easat-7649	182	5	wem	wem	PROPN
easat-7649	182	6	is	be	AUX
easat-7649	182	7	0.550	0.550	NUM
easat-7649	182	8	,	,	PUNCT
easat-7649	182	9	indicating	indicate	VERB
easat-7649	182	10	that	that	SCONJ
easat-7649	182	11	these	these	DET
easat-7649	182	12	four	four	NUM
easat-7649	182	13	factors	factor	NOUN
easat-7649	182	14	collectively	collectively	ADV
easat-7649	182	15	explain	explain	VERB
easat-7649	182	16	55	55	NUM
easat-7649	182	17	%	%	NOUN
easat-7649	182	18	of	of	ADP
easat-7649	182	19	the	the	DET
easat-7649	182	20	variance	variance	NOUN
easat-7649	182	21	in	in	ADP
easat-7649	182	22	women	woman	NOUN
easat-7649	182	23	economic	economic	ADJ
easat-7649	182	24	empowerment	empowerment	NOUN
easat-7649	182	25	.	.	PUNCT
easat-7649	183	1	this	this	PRON
easat-7649	183	2	suggests	suggest	VERB
easat-7649	183	3	that	that	SCONJ
easat-7649	183	4	micro	micro	PROPN
easat-7649	183	5	saving	saving	PROPN
easat-7649	183	6	,	,	PUNCT
easat-7649	183	7	micro	micro	ADJ
easat-7649	183	8	credit	credit	NOUN
easat-7649	183	9	,	,	PUNCT
easat-7649	183	10	micro	micro	ADJ
easat-7649	183	11	insurance	insurance	NOUN
easat-7649	183	12	,	,	PUNCT
easat-7649	183	13	and	and	CCONJ
easat-7649	183	14	training	train	VERB
easat-7649	183	15	advisory	advisory	ADJ
easat-7649	183	16	services	service	NOUN
easat-7649	183	17	play	play	VERB
easat-7649	183	18	a	a	DET
easat-7649	183	19	significant	significant	ADJ
easat-7649	183	20	role	role	NOUN
easat-7649	183	21	in	in	ADP
easat-7649	183	22	influencing	influence	VERB
easat-7649	183	23	wem	wem	PROPN
easat-7649	183	24	,	,	PUNCT
easat-7649	183	25	while	while	SCONJ
easat-7649	183	26	the	the	DET
easat-7649	183	27	remaining	remain	VERB
easat-7649	183	28	45	45	NUM
easat-7649	183	29	%	%	NOUN
easat-7649	183	30	of	of	ADP
easat-7649	183	31	the	the	DET
easat-7649	183	32	variance	variance	NOUN
easat-7649	183	33	may	may	AUX
easat-7649	183	34	be	be	AUX
easat-7649	183	35	attributed	attribute	VERB
easat-7649	183	36	to	to	ADP
easat-7649	183	37	other	other	ADJ
easat-7649	183	38	variables	variable	NOUN
easat-7649	183	39	not	not	PART
easat-7649	183	40	examined	examine	VERB
easat-7649	183	41	in	in	ADP
easat-7649	183	42	this	this	DET
easat-7649	183	43	study	study	NOUN
easat-7649	183	44	.	.	PUNCT
easat-7649	184	1	the	the	DET
easat-7649	184	2	standardized	standardized	ADJ
easat-7649	184	3	path	path	NOUN
easat-7649	184	4	coefficients	coefficient	NOUN
easat-7649	184	5	show	show	VERB
easat-7649	184	6	that	that	SCONJ
easat-7649	184	7	micro	micro	NOUN
easat-7649	184	8	saving	saving	NOUN
easat-7649	184	9	has	have	VERB
easat-7649	184	10	a	a	DET
easat-7649	184	11	coefficient	coefficient	NOUN
easat-7649	184	12	of	of	ADP
easat-7649	184	13	0.150	0.150	NUM
easat-7649	184	14	,	,	PUNCT
easat-7649	184	15	micro	micro	ADJ
easat-7649	184	16	credit	credit	NOUN
easat-7649	184	17	has	have	VERB
easat-7649	184	18	0.204	0.204	NUM
easat-7649	184	19	,	,	PUNCT
easat-7649	184	20	micro	micro	ADJ
easat-7649	184	21	insurance	insurance	NOUN
easat-7649	184	22	has	have	VERB
easat-7649	184	23	0.232	0.232	NUM
easat-7649	184	24	,	,	PUNCT
easat-7649	184	25	and	and	CCONJ
easat-7649	184	26	training	train	VERB
easat-7649	184	27	advisory	advisory	ADJ
easat-7649	184	28	services	service	NOUN
easat-7649	184	29	has	have	VERB
easat-7649	184	30	the	the	DET
easat-7649	184	31	highest	high	ADJ
easat-7649	184	32	coefficient	coefficient	NOUN
easat-7649	184	33	at	at	ADP
easat-7649	184	34	0.288	0.288	NUM
easat-7649	184	35	.	.	PUNCT
easat-7649	185	1	these	these	DET
easat-7649	185	2	results	result	NOUN
easat-7649	185	3	indicate	indicate	VERB
easat-7649	185	4	that	that	SCONJ
easat-7649	185	5	among	among	ADP
easat-7649	185	6	the	the	DET
easat-7649	185	7	predictors	predictor	NOUN
easat-7649	185	8	,	,	PUNCT
easat-7649	185	9	training	train	VERB
easat-7649	185	10	advisory	advisory	ADJ
easat-7649	185	11	services	service	NOUN
easat-7649	185	12	exerts	exert	VERB
easat-7649	185	13	the	the	DET
easat-7649	185	14	strongest	strong	ADJ
easat-7649	185	15	positive	positive	ADJ
easat-7649	185	16	effect	effect	NOUN
easat-7649	185	17	on	on	ADP
easat-7649	185	18	women	woman	NOUN
easat-7649	185	19	economic	economic	ADJ
easat-7649	185	20	empowerment	empowerment	NOUN
easat-7649	185	21	,	,	PUNCT
easat-7649	185	22	followed	follow	VERB
easat-7649	185	23	by	by	ADP
easat-7649	185	24	micro	micro	ADJ
easat-7649	185	25	insurance	insurance	NOUN
easat-7649	185	26	,	,	PUNCT
easat-7649	185	27	micro	micro	ADJ
easat-7649	185	28	credit	credit	NOUN
easat-7649	185	29	,	,	PUNCT
easat-7649	185	30	and	and	CCONJ
easat-7649	185	31	micro	micro	PROPN
easat-7649	185	32	saving	saving	NOUN
easat-7649	185	33	,	,	PUNCT
easat-7649	185	34	respectively	respectively	ADV
easat-7649	185	35	.	.	PUNCT
easat-7649	186	1	the	the	DET
easat-7649	186	2	findings	finding	NOUN
easat-7649	186	3	emphasize	emphasize	VERB
easat-7649	186	4	the	the	DET
easat-7649	186	5	crucial	crucial	ADJ
easat-7649	186	6	role	role	NOUN
easat-7649	186	7	of	of	ADP
easat-7649	186	8	providing	provide	VERB
easat-7649	186	9	training	training	NOUN
easat-7649	186	10	and	and	CCONJ
easat-7649	186	11	advisory	advisory	ADJ
easat-7649	186	12	services	service	NOUN
easat-7649	186	13	to	to	PART
easat-7649	186	14	enhance	enhance	VERB
easat-7649	186	15	the	the	DET
easat-7649	186	16	economic	economic	ADJ
easat-7649	186	17	empowerment	empowerment	NOUN
easat-7649	186	18	of	of	ADP
easat-7649	186	19	women	woman	NOUN
easat-7649	186	20	.	.	PUNCT
easat-7649	187	1	figure	figure	NOUN
easat-7649	187	2	2	2	NUM
easat-7649	187	3	.	.	PUNCT
easat-7649	187	4	pls	pls	PROPN
easat-7649	187	5	model	model	NOUN
easat-7649	187	6	of	of	ADP
easat-7649	187	7	study	study	NOUN
easat-7649	187	8	.	.	PUNCT
easat-7649	188	1	table	table	NOUN
easat-7649	188	2	10	10	NUM
easat-7649	188	3	.	.	PUNCT
easat-7649	189	1	sem	sem	ADJ
easat-7649	189	2	-	-	PUNCT
easat-7649	189	3	path	path	NOUN
easat-7649	189	4	analysis	analysis	NOUN
easat-7649	189	5	.	.	PUNCT
easat-7649	190	1	beta	beta	ADJ
easat-7649	190	2	coefficient	coefficient	NOUN
easat-7649	190	3	sample	sample	NOUN
easat-7649	190	4	mean	mean	NOUN
easat-7649	190	5	(	(	PUNCT
easat-7649	190	6	m	m	NOUN
easat-7649	190	7	)	)	PUNCT
easat-7649	190	8	standard	standard	ADJ
easat-7649	190	9	deviation	deviation	NOUN
easat-7649	190	10	(	(	PUNCT
easat-7649	190	11	stdev	stdev	NOUN
easat-7649	190	12	)	)	PUNCT
easat-7649	190	13	t	t	PROPN
easat-7649	190	14	statistics	statistic	NOUN
easat-7649	190	15	(	(	PUNCT
easat-7649	190	16	|o	|o	NOUN
easat-7649	190	17	/	/	SYM
easat-7649	190	18	stdev|	stdev|	NOUN
easat-7649	190	19	)	)	PUNCT
easat-7649	190	20	p	p	NOUN
easat-7649	190	21	values	value	NOUN
easat-7649	190	22	micro	micro	X
easat-7649	190	23	credit	credit	NOUN
easat-7649	190	24	-	-	PUNCT
easat-7649	190	25	>	>	X
easat-7649	190	26	wem	wem	NOUN
easat-7649	190	27	0.204	0.204	NUM
easat-7649	190	28	0.204	0.204	NUM
easat-7649	190	29	0.057	0.057	NUM
easat-7649	190	30	3.583	3.583	NUM
easat-7649	190	31	0.000	0.000	NUM
easat-7649	190	32	micro	micro	NOUN
easat-7649	190	33	saving	save	VERB
easat-7649	190	34	-	-	PUNCT
easat-7649	190	35	>	>	X
easat-7649	190	36	wem	wem	PROPN
easat-7649	190	37	0.15	0.15	NUM
easat-7649	190	38	0.151	0.151	NUM
easat-7649	190	39	0.061	0.061	NUM
easat-7649	190	40	2.46	2.46	NUM
easat-7649	190	41	0.014	0.014	NUM
easat-7649	190	42	micro	micro	NOUN
easat-7649	190	43	insurance	insurance	NOUN
easat-7649	190	44	-	-	PUNCT
easat-7649	190	45	>	>	X
easat-7649	190	46	wem	wem	PROPN
easat-7649	190	47	0.232	0.232	NUM
easat-7649	190	48	0.235	0.235	NUM
easat-7649	190	49	0.073	0.073	NUM
easat-7649	190	50	3.19	3.19	NUM
easat-7649	190	51	0.002	0.002	NUM
easat-7649	190	52	training	training	NOUN
easat-7649	190	53	advisory	advisory	NOUN
easat-7649	190	54	-	-	PUNCT
easat-7649	190	55	>	>	X
easat-7649	190	56	wem	wem	NOUN
easat-7649	190	57	0.288	0.288	NUM
easat-7649	190	58	0.288	0.288	NUM
easat-7649	190	59	0.058	0.058	NUM
easat-7649	190	60	4.942	4.942	NUM
easat-7649	190	61	0.000	0.000	NUM
easat-7649	190	62	3089	3089	NUM
easat-7649	190	63	edelweiss	edelweiss	PROPN
easat-7649	190	64	applied	apply	VERB
easat-7649	190	65	science	science	NOUN
easat-7649	190	66	and	and	CCONJ
easat-7649	190	67	technology	technology	NOUN
easat-7649	190	68	issn	issn	PROPN
easat-7649	190	69	:	:	PUNCT
easat-7649	190	70	2576	2576	NUM
easat-7649	190	71	-	-	SYM
easat-7649	190	72	8484	8484	NUM
easat-7649	190	73	vol	vol	NOUN
easat-7649	190	74	.	.	PROPN
easat-7649	191	1	9	9	NUM
easat-7649	191	2	,	,	PUNCT
easat-7649	191	3	no	no	INTJ
easat-7649	191	4	.	.	NOUN
easat-7649	191	5	5	5	NUM
easat-7649	191	6	:	:	SYM
easat-7649	191	7	3080	3080	NUM
easat-7649	191	8	-	-	SYM
easat-7649	191	9	3092	3092	NUM
easat-7649	191	10	,	,	PUNCT
easat-7649	191	11	2025	2025	NUM
easat-7649	191	12	doi	doi	NOUN
easat-7649	191	13	:	:	PUNCT
easat-7649	191	14	10.55214/25768484.v9i5.7649	10.55214/25768484.v9i5.7649	NUM
easat-7649	191	15	©	©	PROPN
easat-7649	191	16	2025	2025	NUM
easat-7649	191	17	by	by	ADP
easat-7649	191	18	the	the	DET
easat-7649	191	19	authors	author	NOUN
easat-7649	191	20	;	;	PUNCT
easat-7649	191	21	licensee	licensee	PROPN
easat-7649	191	22	learning	learning	NOUN
easat-7649	191	23	gate	gate	VERB
easat-7649	191	24	the	the	DET
easat-7649	191	25	results	result	NOUN
easat-7649	191	26	of	of	ADP
easat-7649	191	27	the	the	DET
easat-7649	191	28	sem	sem	ADJ
easat-7649	191	29	-	-	PUNCT
easat-7649	191	30	path	path	NOUN
easat-7649	191	31	analysis	analysis	NOUN
easat-7649	191	32	presented	present	VERB
easat-7649	191	33	in	in	ADP
easat-7649	191	34	table	table	NOUN
easat-7649	191	35	10	10	NUM
easat-7649	191	36	show	show	VERB
easat-7649	191	37	that	that	SCONJ
easat-7649	191	38	all	all	DET
easat-7649	191	39	the	the	DET
easat-7649	191	40	paths	path	NOUN
easat-7649	191	41	from	from	ADP
easat-7649	191	42	the	the	DET
easat-7649	191	43	independent	independent	ADJ
easat-7649	191	44	variables	variable	NOUN
easat-7649	191	45	(	(	PUNCT
easat-7649	191	46	micro	micro	ADJ
easat-7649	191	47	credit	credit	NOUN
easat-7649	191	48	,	,	PUNCT
easat-7649	191	49	micro	micro	ADJ
easat-7649	191	50	saving	saving	PROPN
easat-7649	191	51	,	,	PUNCT
easat-7649	191	52	micro	micro	ADJ
easat-7649	191	53	insurance	insurance	NOUN
easat-7649	191	54	,	,	PUNCT
easat-7649	191	55	and	and	CCONJ
easat-7649	191	56	training	train	VERB
easat-7649	191	57	advisory	advisory	ADJ
easat-7649	191	58	services	service	NOUN
easat-7649	191	59	)	)	PUNCT
easat-7649	191	60	to	to	ADP
easat-7649	191	61	women	woman	NOUN
easat-7649	191	62	economic	economic	ADJ
easat-7649	191	63	empowerment	empowerment	NOUN
easat-7649	191	64	(	(	PUNCT
easat-7649	191	65	wem	wem	PROPN
easat-7649	191	66	)	)	PUNCT
easat-7649	191	67	are	be	AUX
easat-7649	191	68	statistically	statistically	ADV
easat-7649	191	69	significant	significant	ADJ
easat-7649	191	70	,	,	PUNCT
easat-7649	191	71	with	with	ADP
easat-7649	191	72	p	p	NOUN
easat-7649	191	73	-	-	PUNCT
easat-7649	191	74	values	value	NOUN
easat-7649	191	75	less	less	ADJ
easat-7649	191	76	than	than	ADP
easat-7649	191	77	0.05	0.05	NUM
easat-7649	191	78	.	.	PUNCT
easat-7649	192	1	the	the	DET
easat-7649	192	2	beta	beta	ADJ
easat-7649	192	3	coefficient	coefficient	NOUN
easat-7649	192	4	for	for	ADP
easat-7649	192	5	micro	micro	ADJ
easat-7649	192	6	credit	credit	NOUN
easat-7649	192	7	is	be	AUX
easat-7649	192	8	0.204	0.204	NUM
easat-7649	192	9	,	,	PUNCT
easat-7649	192	10	indicating	indicate	VERB
easat-7649	192	11	that	that	SCONJ
easat-7649	192	12	a	a	DET
easat-7649	192	13	1	1	NUM
easat-7649	192	14	standard	standard	ADJ
easat-7649	192	15	deviation	deviation	NOUN
easat-7649	192	16	increase	increase	NOUN
easat-7649	192	17	in	in	ADP
easat-7649	192	18	micro	micro	ADJ
easat-7649	192	19	credit	credit	NOUN
easat-7649	192	20	leads	lead	VERB
easat-7649	192	21	to	to	ADP
easat-7649	192	22	a	a	DET
easat-7649	192	23	0.204	0.204	NUM
easat-7649	192	24	standard	standard	ADJ
easat-7649	192	25	deviation	deviation	NOUN
easat-7649	192	26	increase	increase	NOUN
easat-7649	192	27	in	in	ADP
easat-7649	192	28	women	woman	NOUN
easat-7649	192	29	’s	’s	PART
easat-7649	192	30	economic	economic	ADJ
easat-7649	192	31	empowerment	empowerment	NOUN
easat-7649	192	32	,	,	PUNCT
easat-7649	192	33	assuming	assume	VERB
easat-7649	192	34	other	other	ADJ
easat-7649	192	35	factors	factor	NOUN
easat-7649	192	36	remain	remain	VERB
easat-7649	192	37	constant	constant	ADJ
easat-7649	192	38	.	.	PUNCT
easat-7649	193	1	the	the	DET
easat-7649	193	2	p	p	NOUN
easat-7649	193	3	-	-	PUNCT
easat-7649	193	4	value	value	NOUN
easat-7649	193	5	of	of	ADP
easat-7649	193	6	0.000	0.000	NUM
easat-7649	193	7	confirms	confirm	VERB
easat-7649	193	8	that	that	SCONJ
easat-7649	193	9	this	this	DET
easat-7649	193	10	relationship	relationship	NOUN
easat-7649	193	11	is	be	AUX
easat-7649	193	12	highly	highly	ADV
easat-7649	193	13	significant	significant	ADJ
easat-7649	193	14	.	.	PUNCT
easat-7649	194	1	for	for	ADP
easat-7649	194	2	micro	micro	PROPN
easat-7649	194	3	saving	saving	PROPN
easat-7649	194	4	,	,	PUNCT
easat-7649	194	5	the	the	DET
easat-7649	194	6	beta	beta	ADJ
easat-7649	194	7	coefficient	coefficient	NOUN
easat-7649	194	8	is	be	AUX
easat-7649	194	9	0.15	0.15	NUM
easat-7649	194	10	,	,	PUNCT
easat-7649	194	11	which	which	PRON
easat-7649	194	12	means	mean	VERB
easat-7649	194	13	that	that	SCONJ
easat-7649	194	14	a	a	DET
easat-7649	194	15	1	1	NUM
easat-7649	194	16	standard	standard	ADJ
easat-7649	194	17	deviation	deviation	NOUN
easat-7649	194	18	increase	increase	NOUN
easat-7649	194	19	in	in	ADP
easat-7649	194	20	micro	micro	ADJ
easat-7649	194	21	saving	saving	NOUN
easat-7649	194	22	results	result	NOUN
easat-7649	194	23	in	in	ADP
easat-7649	194	24	a	a	DET
easat-7649	194	25	0.15	0.15	NUM
easat-7649	194	26	standard	standard	ADJ
easat-7649	194	27	deviation	deviation	NOUN
easat-7649	194	28	increase	increase	NOUN
easat-7649	194	29	in	in	ADP
easat-7649	194	30	women	woman	NOUN
easat-7649	194	31	’s	’s	PART
easat-7649	194	32	economic	economic	ADJ
easat-7649	194	33	empowerment	empowerment	NOUN
easat-7649	194	34	.	.	PUNCT
easat-7649	195	1	the	the	DET
easat-7649	195	2	p	p	NOUN
easat-7649	195	3	-	-	PUNCT
easat-7649	195	4	value	value	NOUN
easat-7649	195	5	of	of	ADP
easat-7649	195	6	0.014	0.014	NUM
easat-7649	195	7	indicates	indicate	VERB
easat-7649	195	8	that	that	SCONJ
easat-7649	195	9	this	this	DET
easat-7649	195	10	relationship	relationship	NOUN
easat-7649	195	11	is	be	AUX
easat-7649	195	12	also	also	ADV
easat-7649	195	13	significant	significant	ADJ
easat-7649	195	14	.	.	PUNCT
easat-7649	196	1	in	in	ADP
easat-7649	196	2	the	the	DET
easat-7649	196	3	case	case	NOUN
easat-7649	196	4	of	of	ADP
easat-7649	196	5	micro	micro	PROPN
easat-7649	196	6	insurance	insurance	NOUN
easat-7649	196	7	,	,	PUNCT
easat-7649	196	8	the	the	DET
easat-7649	196	9	beta	beta	ADJ
easat-7649	196	10	coefficient	coefficient	NOUN
easat-7649	196	11	is	be	AUX
easat-7649	196	12	0.232	0.232	NUM
easat-7649	196	13	,	,	PUNCT
easat-7649	196	14	suggesting	suggest	VERB
easat-7649	196	15	that	that	SCONJ
easat-7649	196	16	a	a	DET
easat-7649	196	17	1	1	NUM
easat-7649	196	18	standard	standard	ADJ
easat-7649	196	19	deviation	deviation	NOUN
easat-7649	196	20	increase	increase	NOUN
easat-7649	196	21	in	in	ADP
easat-7649	196	22	micro	micro	ADJ
easat-7649	196	23	insurance	insurance	NOUN
easat-7649	196	24	leads	lead	VERB
easat-7649	196	25	to	to	ADP
easat-7649	196	26	a	a	DET
easat-7649	196	27	0.232	0.232	NUM
easat-7649	196	28	standard	standard	ADJ
easat-7649	196	29	deviation	deviation	NOUN
easat-7649	196	30	increase	increase	NOUN
easat-7649	196	31	in	in	ADP
easat-7649	196	32	women	woman	NOUN
easat-7649	196	33	’s	’s	PART
easat-7649	196	34	economic	economic	ADJ
easat-7649	196	35	empowerment	empowerment	NOUN
easat-7649	196	36	.	.	PUNCT
easat-7649	197	1	the	the	DET
easat-7649	197	2	p	p	NOUN
easat-7649	197	3	-	-	PUNCT
easat-7649	197	4	value	value	NOUN
easat-7649	197	5	of	of	ADP
easat-7649	197	6	0.002	0.002	NUM
easat-7649	197	7	confirms	confirm	VERB
easat-7649	197	8	that	that	SCONJ
easat-7649	197	9	this	this	DET
easat-7649	197	10	relationship	relationship	NOUN
easat-7649	197	11	is	be	AUX
easat-7649	197	12	statistically	statistically	ADV
easat-7649	197	13	significant	significant	ADJ
easat-7649	197	14	as	as	ADV
easat-7649	197	15	well	well	ADV
easat-7649	197	16	.	.	PUNCT
easat-7649	198	1	finally	finally	ADV
easat-7649	198	2	,	,	PUNCT
easat-7649	198	3	training	train	VERB
easat-7649	198	4	advisory	advisory	ADJ
easat-7649	198	5	services	service	NOUN
easat-7649	198	6	has	have	VERB
easat-7649	198	7	the	the	DET
easat-7649	198	8	highest	high	ADJ
easat-7649	198	9	beta	beta	ADJ
easat-7649	198	10	coefficient	coefficient	NOUN
easat-7649	198	11	at	at	ADP
easat-7649	198	12	0.288	0.288	NUM
easat-7649	198	13	,	,	PUNCT
easat-7649	198	14	meaning	mean	VERB
easat-7649	198	15	that	that	SCONJ
easat-7649	198	16	a	a	DET
easat-7649	198	17	1	1	NUM
easat-7649	198	18	standard	standard	ADJ
easat-7649	198	19	deviation	deviation	NOUN
easat-7649	198	20	increase	increase	NOUN
easat-7649	198	21	in	in	ADP
easat-7649	198	22	training	train	VERB
easat-7649	198	23	advisory	advisory	ADJ
easat-7649	198	24	services	service	NOUN
easat-7649	198	25	results	result	VERB
easat-7649	198	26	in	in	ADP
easat-7649	198	27	a	a	DET
easat-7649	198	28	0.288	0.288	NUM
easat-7649	198	29	standard	standard	ADJ
easat-7649	198	30	deviation	deviation	NOUN
easat-7649	198	31	increase	increase	NOUN
easat-7649	198	32	in	in	ADP
easat-7649	198	33	women	woman	NOUN
easat-7649	198	34	’s	’s	PART
easat-7649	198	35	economic	economic	ADJ
easat-7649	198	36	empowerment	empowerment	NOUN
easat-7649	198	37	.	.	PUNCT
easat-7649	199	1	the	the	DET
easat-7649	199	2	p	p	NOUN
easat-7649	199	3	-	-	PUNCT
easat-7649	199	4	value	value	NOUN
easat-7649	199	5	of	of	ADP
easat-7649	199	6	0.000	0.000	NUM
easat-7649	199	7	indicates	indicate	VERB
easat-7649	199	8	that	that	SCONJ
easat-7649	199	9	this	this	DET
easat-7649	199	10	effect	effect	NOUN
easat-7649	199	11	is	be	AUX
easat-7649	199	12	highly	highly	ADV
easat-7649	199	13	significant	significant	ADJ
easat-7649	199	14	.	.	PUNCT
easat-7649	200	1	overall	overall	ADV
easat-7649	200	2	,	,	PUNCT
easat-7649	200	3	all	all	DET
easat-7649	200	4	the	the	DET
easat-7649	200	5	variables	variable	NOUN
easat-7649	200	6	micro	micro	PROPN
easat-7649	200	7	credit	credit	NOUN
easat-7649	200	8	,	,	PUNCT
easat-7649	200	9	micro	micro	ADJ
easat-7649	200	10	saving	saving	PROPN
easat-7649	200	11	,	,	PUNCT
easat-7649	200	12	micro	micro	ADJ
easat-7649	200	13	insurance	insurance	NOUN
easat-7649	200	14	,	,	PUNCT
easat-7649	200	15	and	and	CCONJ
easat-7649	200	16	training	training	NOUN
easat-7649	200	17	advisory	advisory	NOUN
easat-7649	200	18	have	have	VERB
easat-7649	200	19	a	a	DET
easat-7649	200	20	significant	significant	ADJ
easat-7649	200	21	positive	positive	ADJ
easat-7649	200	22	impact	impact	NOUN
easat-7649	200	23	on	on	ADP
easat-7649	200	24	women	woman	NOUN
easat-7649	200	25	’s	’s	PART
easat-7649	200	26	economic	economic	ADJ
easat-7649	200	27	empowerment	empowerment	NOUN
easat-7649	200	28	,	,	PUNCT
easat-7649	200	29	with	with	ADP
easat-7649	200	30	training	train	VERB
easat-7649	200	31	advisory	advisory	ADJ
easat-7649	200	32	services	service	NOUN
easat-7649	200	33	having	have	VERB
easat-7649	200	34	the	the	DET
easat-7649	200	35	largest	large	ADJ
easat-7649	200	36	effect	effect	NOUN
easat-7649	200	37	.	.	PUNCT
easat-7649	201	1	3.9	3.9	NUM
easat-7649	201	2	.	.	PUNCT
easat-7649	201	3	hypothesis	hypothesis	NOUN
easat-7649	201	4	testing	testing	NOUN
easat-7649	201	5	summary	summary	NOUN
easat-7649	201	6	table	table	NOUN
easat-7649	201	7	11	11	NUM
easat-7649	201	8	.	.	PUNCT
easat-7649	202	1	hypothesis	hypothesis	NOUN
easat-7649	202	2	testing	testing	NOUN
easat-7649	202	3	results	result	NOUN
easat-7649	202	4	.	.	PUNCT
easat-7649	203	1	hypothesis	hypothesis	NOUN
easat-7649	203	2	p	p	NOUN
easat-7649	203	3	-	-	PUNCT
easat-7649	203	4	value	value	NOUN
easat-7649	203	5	result	result	NOUN
easat-7649	203	6	micro	micro	NOUN
easat-7649	203	7	saving	saving	NOUN
easat-7649	203	8	has	have	VERB
easat-7649	203	9	significant	significant	ADJ
easat-7649	203	10	impact	impact	NOUN
easat-7649	203	11	on	on	ADP
easat-7649	203	12	women	woman	NOUN
easat-7649	203	13	economic	economic	ADJ
easat-7649	203	14	empowerment	empowerment	NOUN
easat-7649	203	15	0.014	0.014	NUM
easat-7649	203	16	accepted	accept	VERB
easat-7649	203	17	micro	micro	ADJ
easat-7649	203	18	credit	credit	NOUN
easat-7649	203	19	has	have	VERB
easat-7649	203	20	significant	significant	ADJ
easat-7649	203	21	impact	impact	NOUN
easat-7649	203	22	on	on	ADP
easat-7649	203	23	women	woman	NOUN
easat-7649	203	24	economic	economic	ADJ
easat-7649	203	25	empowerment	empowerment	NOUN
easat-7649	203	26	0.000	0.000	NUM
easat-7649	203	27	accepted	accept	VERB
easat-7649	203	28	micro	micro	ADJ
easat-7649	203	29	insurance	insurance	NOUN
easat-7649	203	30	has	have	VERB
easat-7649	203	31	significant	significant	ADJ
easat-7649	203	32	impact	impact	NOUN
easat-7649	203	33	on	on	ADP
easat-7649	203	34	women	woman	NOUN
easat-7649	203	35	economic	economic	ADJ
easat-7649	203	36	empowerment	empowerment	NOUN
easat-7649	203	37	0.002	0.002	NUM
easat-7649	203	38	accepted	accept	VERB
easat-7649	203	39	training	training	NOUN
easat-7649	203	40	and	and	CCONJ
easat-7649	203	41	advisory	advisory	ADJ
easat-7649	203	42	services	service	NOUN
easat-7649	203	43	has	have	VERB
easat-7649	203	44	significant	significant	ADJ
easat-7649	203	45	impact	impact	NOUN
easat-7649	203	46	on	on	ADP
easat-7649	203	47	women	woman	NOUN
easat-7649	203	48	economic	economic	ADJ
easat-7649	203	49	empowerment	empowerment	NOUN
easat-7649	203	50	0.000	0.000	NUM
easat-7649	203	51	accepted	accept	VERB
easat-7649	203	52	as	as	SCONJ
easat-7649	203	53	shown	show	VERB
easat-7649	203	54	in	in	ADP
easat-7649	203	55	table	table	NOUN
easat-7649	203	56	11	11	NUM
easat-7649	203	57	the	the	DET
easat-7649	203	58	analysis	analysis	NOUN
easat-7649	203	59	results	result	NOUN
easat-7649	203	60	support	support	VERB
easat-7649	203	61	all	all	DET
easat-7649	203	62	the	the	DET
easat-7649	203	63	proposed	propose	VERB
easat-7649	203	64	hypotheses	hypothesis	NOUN
easat-7649	203	65	concerning	concern	VERB
easat-7649	203	66	the	the	DET
easat-7649	203	67	influence	influence	NOUN
easat-7649	203	68	of	of	ADP
easat-7649	203	69	various	various	ADJ
easat-7649	203	70	factors	factor	NOUN
easat-7649	203	71	on	on	ADP
easat-7649	203	72	women	woman	NOUN
easat-7649	203	73	’s	’s	PART
easat-7649	203	74	economic	economic	ADJ
easat-7649	203	75	empowerment	empowerment	NOUN
easat-7649	203	76	(	(	PUNCT
easat-7649	203	77	wem	wem	PROPN
easat-7649	203	78	)	)	PUNCT
easat-7649	203	79	.	.	PUNCT
easat-7649	204	1	specifically	specifically	ADV
easat-7649	204	2	,	,	PUNCT
easat-7649	204	3	micro	micro	ADJ
easat-7649	204	4	saving	saving	NOUN
easat-7649	204	5	has	have	VERB
easat-7649	204	6	a	a	DET
easat-7649	204	7	significant	significant	ADJ
easat-7649	204	8	effect	effect	NOUN
easat-7649	204	9	on	on	ADP
easat-7649	204	10	wem	wem	PROPN
easat-7649	204	11	,	,	PUNCT
easat-7649	204	12	with	with	ADP
easat-7649	204	13	a	a	DET
easat-7649	204	14	p	p	NOUN
easat-7649	204	15	-	-	PUNCT
easat-7649	204	16	value	value	NOUN
easat-7649	204	17	of	of	ADP
easat-7649	204	18	0.014	0.014	NUM
easat-7649	204	19	,	,	PUNCT
easat-7649	204	20	leading	lead	VERB
easat-7649	204	21	to	to	ADP
easat-7649	204	22	the	the	DET
easat-7649	204	23	acceptance	acceptance	NOUN
easat-7649	204	24	of	of	ADP
easat-7649	204	25	this	this	DET
easat-7649	204	26	hypothesis	hypothesis	NOUN
easat-7649	204	27	.	.	PUNCT
easat-7649	205	1	similarly	similarly	ADV
easat-7649	205	2	,	,	PUNCT
easat-7649	205	3	micro	micro	ADJ
easat-7649	205	4	credit	credit	NOUN
easat-7649	205	5	also	also	ADV
easat-7649	205	6	significantly	significantly	ADV
easat-7649	205	7	influences	influence	VERB
easat-7649	205	8	wem	wem	PROPN
easat-7649	205	9	,	,	PUNCT
easat-7649	205	10	as	as	SCONJ
easat-7649	205	11	indicated	indicate	VERB
easat-7649	205	12	by	by	ADP
easat-7649	205	13	a	a	DET
easat-7649	205	14	p	p	NOUN
easat-7649	205	15	-	-	PUNCT
easat-7649	205	16	value	value	NOUN
easat-7649	205	17	of	of	ADP
easat-7649	205	18	0.000	0.000	NUM
easat-7649	205	19	,	,	PUNCT
easat-7649	205	20	which	which	PRON
easat-7649	205	21	supports	support	VERB
easat-7649	205	22	the	the	DET
easat-7649	205	23	acceptance	acceptance	NOUN
easat-7649	205	24	of	of	ADP
easat-7649	205	25	this	this	DET
easat-7649	205	26	hypothesis	hypothesis	NOUN
easat-7649	205	27	.	.	PUNCT
easat-7649	206	1	micro	micro	PROPN
easat-7649	206	2	insurance	insurance	PROPN
easat-7649	206	3	is	be	AUX
easat-7649	206	4	shown	show	VERB
easat-7649	206	5	to	to	PART
easat-7649	206	6	have	have	VERB
easat-7649	206	7	a	a	DET
easat-7649	206	8	significant	significant	ADJ
easat-7649	206	9	impact	impact	NOUN
easat-7649	206	10	on	on	ADP
easat-7649	206	11	wem	wem	PROPN
easat-7649	206	12	,	,	PUNCT
easat-7649	206	13	with	with	ADP
easat-7649	206	14	a	a	DET
easat-7649	206	15	p	p	NOUN
easat-7649	206	16	-	-	PUNCT
easat-7649	206	17	value	value	NOUN
easat-7649	206	18	of	of	ADP
easat-7649	206	19	0.002	0.002	NUM
easat-7649	206	20	,	,	PUNCT
easat-7649	206	21	thus	thus	ADV
easat-7649	206	22	confirming	confirm	VERB
easat-7649	206	23	the	the	DET
easat-7649	206	24	hypothesis	hypothesis	NOUN
easat-7649	206	25	.	.	PUNCT
easat-7649	207	1	lastly	lastly	ADV
easat-7649	207	2	,	,	PUNCT
easat-7649	207	3	training	training	NOUN
easat-7649	207	4	and	and	CCONJ
easat-7649	207	5	advisory	advisory	ADJ
easat-7649	207	6	services	service	NOUN
easat-7649	207	7	significantly	significantly	ADV
easat-7649	207	8	affect	affect	VERB
easat-7649	207	9	wem	wem	PROPN
easat-7649	207	10	,	,	PUNCT
easat-7649	207	11	with	with	ADP
easat-7649	207	12	a	a	DET
easat-7649	207	13	p	p	NOUN
easat-7649	207	14	-	-	PUNCT
easat-7649	207	15	value	value	NOUN
easat-7649	207	16	of	of	ADP
easat-7649	207	17	0.000	0.000	NUM
easat-7649	207	18	,	,	PUNCT
easat-7649	207	19	leading	lead	VERB
easat-7649	207	20	to	to	ADP
easat-7649	207	21	the	the	DET
easat-7649	207	22	acceptance	acceptance	NOUN
easat-7649	207	23	of	of	ADP
easat-7649	207	24	this	this	DET
easat-7649	207	25	hypothesis	hypothesis	NOUN
easat-7649	207	26	as	as	ADV
easat-7649	207	27	well	well	ADV
easat-7649	207	28	.	.	PUNCT
easat-7649	208	1	all	all	DET
easat-7649	208	2	hypotheses	hypothesis	NOUN
easat-7649	208	3	are	be	AUX
easat-7649	208	4	therefore	therefore	ADV
easat-7649	208	5	accepted	accept	VERB
easat-7649	208	6	,	,	PUNCT
easat-7649	208	7	indicating	indicate	VERB
easat-7649	208	8	that	that	SCONJ
easat-7649	208	9	each	each	PRON
easat-7649	208	10	of	of	ADP
easat-7649	208	11	these	these	DET
easat-7649	208	12	factors	factor	NOUN
easat-7649	208	13	plays	play	VERB
easat-7649	208	14	a	a	DET
easat-7649	208	15	significant	significant	ADJ
easat-7649	208	16	role	role	NOUN
easat-7649	208	17	in	in	ADP
easat-7649	208	18	promoting	promote	VERB
easat-7649	208	19	women	woman	NOUN
easat-7649	208	20	’s	’s	PART
easat-7649	208	21	economic	economic	ADJ
easat-7649	208	22	empowerment	empowerment	NOUN
easat-7649	208	23	.	.	PUNCT
easat-7649	209	1	4	4	X
easat-7649	209	2	.	.	X
easat-7649	209	3	discussion	discussion	NOUN
easat-7649	209	4	this	this	DET
easat-7649	209	5	study	study	NOUN
easat-7649	209	6	aimed	aim	VERB
easat-7649	209	7	to	to	PART
easat-7649	209	8	assess	assess	VERB
easat-7649	209	9	the	the	DET
easat-7649	209	10	impact	impact	NOUN
easat-7649	209	11	of	of	ADP
easat-7649	209	12	microfinance	microfinance	NOUN
easat-7649	209	13	programs	program	NOUN
easat-7649	209	14	on	on	ADP
easat-7649	209	15	women	woman	NOUN
easat-7649	209	16	's	's	PART
easat-7649	209	17	economic	economic	ADJ
easat-7649	209	18	empowerment	empowerment	NOUN
easat-7649	209	19	in	in	ADP
easat-7649	209	20	sindhuli	sindhuli	PROPN
easat-7649	209	21	district	district	PROPN
easat-7649	209	22	.	.	PUNCT
easat-7649	210	1	the	the	DET
easat-7649	210	2	educational	educational	ADJ
easat-7649	210	3	background	background	NOUN
easat-7649	210	4	of	of	ADP
easat-7649	210	5	most	most	ADJ
easat-7649	210	6	women	woman	NOUN
easat-7649	210	7	respondents	respondent	NOUN
easat-7649	210	8	was	be	AUX
easat-7649	210	9	at	at	ADP
easat-7649	210	10	the	the	DET
easat-7649	210	11	intermediate	intermediate	ADJ
easat-7649	210	12	level	level	NOUN
easat-7649	210	13	.	.	PUNCT
easat-7649	211	1	previous	previous	ADJ
easat-7649	211	2	research	research	NOUN
easat-7649	211	3	by	by	ADP
easat-7649	211	4	dhungana	dhungana	NOUN
easat-7649	211	5	[	[	X
easat-7649	211	6	26	26	NUM
easat-7649	211	7	]	]	PUNCT
easat-7649	211	8	suggests	suggest	VERB
easat-7649	211	9	that	that	SCONJ
easat-7649	211	10	increased	increase	VERB
easat-7649	211	11	financial	financial	ADJ
easat-7649	211	12	income	income	NOUN
easat-7649	211	13	enhances	enhance	VERB
easat-7649	211	14	educational	educational	ADJ
easat-7649	211	15	opportunities	opportunity	NOUN
easat-7649	211	16	,	,	PUNCT
easat-7649	211	17	and	and	CCONJ
easat-7649	211	18	microfinance	microfinance	NOUN
easat-7649	211	19	can	can	AUX
easat-7649	211	20	contribute	contribute	VERB
easat-7649	211	21	to	to	ADP
easat-7649	211	22	improving	improve	VERB
easat-7649	211	23	education	education	NOUN
easat-7649	211	24	levels	level	NOUN
easat-7649	211	25	education	education	NOUN
easat-7649	211	26	has	have	AUX
easat-7649	211	27	been	be	AUX
easat-7649	211	28	identified	identify	VERB
easat-7649	211	29	as	as	ADP
easat-7649	211	30	a	a	DET
easat-7649	211	31	critical	critical	ADJ
easat-7649	211	32	factor	factor	NOUN
easat-7649	211	33	influencing	influence	VERB
easat-7649	211	34	income	income	NOUN
easat-7649	211	35	and	and	CCONJ
easat-7649	211	36	poverty	poverty	NOUN
easat-7649	211	37	at	at	ADP
easat-7649	211	38	the	the	DET
easat-7649	211	39	household	household	NOUN
easat-7649	211	40	level	level	NOUN
easat-7649	211	41	bici	bici	NOUN
easat-7649	211	42	and	and	CCONJ
easat-7649	211	43	çela	çela	VERB
easat-7649	212	1	[	[	X
easat-7649	212	2	27	27	NUM
easat-7649	212	3	]	]	PUNCT
easat-7649	212	4	.	.	PUNCT
easat-7649	213	1	hill	hill	NOUN
easat-7649	213	2	and	and	CCONJ
easat-7649	213	3	king	king	NOUN
easat-7649	213	4	[	[	X
easat-7649	213	5	28	28	NUM
easat-7649	213	6	]	]	PUNCT
easat-7649	213	7	further	far	ADV
easat-7649	213	8	emphasized	emphasize	VERB
easat-7649	213	9	that	that	SCONJ
easat-7649	213	10	improving	improve	VERB
easat-7649	213	11	education	education	NOUN
easat-7649	213	12	,	,	PUNCT
easat-7649	213	13	especially	especially	ADV
easat-7649	213	14	for	for	ADP
easat-7649	213	15	household	household	NOUN
easat-7649	213	16	heads	head	NOUN
easat-7649	213	17	,	,	PUNCT
easat-7649	213	18	can	can	AUX
easat-7649	213	19	significantly	significantly	ADV
easat-7649	213	20	contribute	contribute	VERB
easat-7649	213	21	to	to	ADP
easat-7649	213	22	economic	economic	ADJ
easat-7649	213	23	empowerment	empowerment	NOUN
easat-7649	213	24	by	by	ADP
easat-7649	213	25	enabling	enable	VERB
easat-7649	213	26	better	well	ADJ
easat-7649	213	27	incomegeneration	incomegeneration	NOUN
easat-7649	213	28	strategies	strategy	NOUN
easat-7649	213	29	.	.	PUNCT
easat-7649	214	1	the	the	DET
easat-7649	214	2	impact	impact	NOUN
easat-7649	214	3	of	of	ADP
easat-7649	214	4	micro	micro	ADJ
easat-7649	214	5	credit	credit	NOUN
easat-7649	214	6	on	on	ADP
easat-7649	214	7	women	woman	NOUN
easat-7649	214	8	has	have	AUX
easat-7649	214	9	been	be	AUX
easat-7649	214	10	a	a	DET
easat-7649	214	11	topic	topic	NOUN
easat-7649	214	12	of	of	ADP
easat-7649	214	13	debate	debate	NOUN
easat-7649	214	14	.	.	PUNCT
easat-7649	215	1	while	while	SCONJ
easat-7649	215	2	some	some	DET
easat-7649	215	3	scholars	scholar	NOUN
easat-7649	215	4	argue	argue	VERB
easat-7649	215	5	that	that	SCONJ
easat-7649	215	6	micro	micro	ADJ
easat-7649	215	7	credit	credit	NOUN
easat-7649	215	8	positively	positively	ADV
easat-7649	215	9	influences	influence	VERB
easat-7649	215	10	women	woman	NOUN
easat-7649	215	11	's	's	PART
easat-7649	215	12	employment	employment	NOUN
easat-7649	215	13	,	,	PUNCT
easat-7649	215	14	others	other	NOUN
easat-7649	215	15	point	point	VERB
easat-7649	215	16	to	to	ADP
easat-7649	215	17	potential	potential	ADJ
easat-7649	215	18	negative	negative	ADJ
easat-7649	215	19	effects	effect	NOUN
easat-7649	215	20	[	[	X
easat-7649	215	21	29	29	NUM
easat-7649	215	22	]	]	PUNCT
easat-7649	215	23	.	.	PUNCT
easat-7649	216	1	however	however	ADV
easat-7649	216	2	,	,	PUNCT
easat-7649	216	3	the	the	DET
easat-7649	216	4	results	result	NOUN
easat-7649	216	5	of	of	ADP
easat-7649	216	6	this	this	DET
easat-7649	216	7	study	study	NOUN
easat-7649	216	8	indicate	indicate	VERB
easat-7649	216	9	that	that	SCONJ
easat-7649	216	10	micro	micro	ADJ
easat-7649	216	11	credit	credit	NOUN
easat-7649	216	12	is	be	AUX
easat-7649	216	13	primarily	primarily	ADV
easat-7649	216	14	used	use	VERB
easat-7649	216	15	for	for	ADP
easat-7649	216	16	financial	financial	ADJ
easat-7649	216	17	purposes	purpose	NOUN
easat-7649	216	18	,	,	PUNCT
easat-7649	216	19	3090	3090	NUM
easat-7649	216	20	edelweiss	edelweiss	PROPN
easat-7649	216	21	applied	apply	VERB
easat-7649	216	22	science	science	NOUN
easat-7649	216	23	and	and	CCONJ
easat-7649	216	24	technology	technology	NOUN
easat-7649	216	25	issn	issn	PROPN
easat-7649	216	26	:	:	PUNCT
easat-7649	216	27	2576	2576	NUM
easat-7649	216	28	-	-	SYM
easat-7649	216	29	8484	8484	NUM
easat-7649	216	30	vol	vol	NOUN
easat-7649	216	31	.	.	PROPN
easat-7649	217	1	9	9	NUM
easat-7649	217	2	,	,	PUNCT
easat-7649	217	3	no	no	INTJ
easat-7649	217	4	.	.	NOUN
easat-7649	217	5	5	5	NUM
easat-7649	217	6	:	:	SYM
easat-7649	217	7	3080	3080	NUM
easat-7649	217	8	-	-	SYM
easat-7649	217	9	3092	3092	NUM
easat-7649	217	10	,	,	PUNCT
easat-7649	217	11	2025	2025	NUM
easat-7649	217	12	doi	doi	NOUN
easat-7649	217	13	:	:	PUNCT
easat-7649	217	14	10.55214/25768484.v9i5.7649	10.55214/25768484.v9i5.7649	NUM
easat-7649	217	15	©	©	PROPN
easat-7649	217	16	2025	2025	NUM
easat-7649	217	17	by	by	ADP
easat-7649	217	18	the	the	DET
easat-7649	217	19	authors	author	NOUN
easat-7649	217	20	;	;	PUNCT
easat-7649	217	21	licensee	licensee	PROPN
easat-7649	217	22	learning	learning	NOUN
easat-7649	217	23	gate	gate	NOUN
easat-7649	217	24	with	with	ADP
easat-7649	217	25	respondents	respondent	NOUN
easat-7649	217	26	largely	largely	ADV
easat-7649	217	27	using	use	VERB
easat-7649	217	28	the	the	DET
easat-7649	217	29	credit	credit	NOUN
easat-7649	217	30	for	for	ADP
easat-7649	217	31	investment	investment	NOUN
easat-7649	217	32	.	.	PUNCT
easat-7649	218	1	many	many	ADJ
easat-7649	218	2	women	woman	NOUN
easat-7649	218	3	reported	report	VERB
easat-7649	218	4	that	that	SCONJ
easat-7649	218	5	micro	micro	ADJ
easat-7649	218	6	credit	credit	NOUN
easat-7649	218	7	has	have	AUX
easat-7649	218	8	helped	help	VERB
easat-7649	218	9	them	they	PRON
easat-7649	218	10	achieve	achieve	VERB
easat-7649	218	11	financial	financial	ADJ
easat-7649	218	12	independence	independence	NOUN
easat-7649	218	13	,	,	PUNCT
easat-7649	218	14	and	and	CCONJ
easat-7649	218	15	the	the	DET
easat-7649	218	16	interest	interest	NOUN
easat-7649	218	17	rates	rate	NOUN
easat-7649	218	18	charged	charge	VERB
easat-7649	218	19	by	by	ADP
easat-7649	218	20	microfinance	microfinance	NOUN
easat-7649	218	21	institutions	institution	NOUN
easat-7649	218	22	(	(	PUNCT
easat-7649	218	23	mfis	mfis	PROPN
easat-7649	218	24	)	)	PUNCT
easat-7649	218	25	did	do	AUX
easat-7649	218	26	not	not	PART
easat-7649	218	27	discourage	discourage	VERB
easat-7649	218	28	them	they	PRON
easat-7649	218	29	from	from	ADP
easat-7649	218	30	borrowing	borrow	VERB
easat-7649	218	31	.	.	PUNCT
easat-7649	219	1	these	these	DET
easat-7649	219	2	findings	finding	NOUN
easat-7649	219	3	suggest	suggest	VERB
easat-7649	219	4	a	a	DET
easat-7649	219	5	positive	positive	ADJ
easat-7649	219	6	impact	impact	NOUN
easat-7649	219	7	on	on	ADP
easat-7649	219	8	empowerment	empowerment	NOUN
easat-7649	219	9	for	for	ADP
easat-7649	219	10	most	most	ADJ
easat-7649	219	11	women	woman	NOUN
easat-7649	219	12	who	who	PRON
easat-7649	219	13	participated	participate	VERB
easat-7649	219	14	in	in	ADP
easat-7649	219	15	the	the	DET
easat-7649	219	16	credit	credit	NOUN
easat-7649	219	17	programs	program	NOUN
easat-7649	219	18	.	.	PUNCT
easat-7649	220	1	participation	participation	NOUN
easat-7649	220	2	in	in	ADP
easat-7649	220	3	family	family	NOUN
easat-7649	220	4	decision	decision	NOUN
easat-7649	220	5	-	-	PUNCT
easat-7649	220	6	making	making	NOUN
easat-7649	220	7	also	also	ADV
easat-7649	220	8	appears	appear	VERB
easat-7649	220	9	to	to	PART
easat-7649	220	10	change	change	VERB
easat-7649	220	11	for	for	ADP
easat-7649	220	12	women	woman	NOUN
easat-7649	220	13	involved	involve	VERB
easat-7649	220	14	in	in	ADP
easat-7649	220	15	microfinance	microfinance	NOUN
easat-7649	220	16	programs	program	NOUN
easat-7649	220	17	.	.	PUNCT
easat-7649	221	1	forty	forty	NUM
easat-7649	221	2	-	-	PUNCT
easat-7649	221	3	five	five	NUM
easat-7649	221	4	percent	percent	NOUN
easat-7649	221	5	of	of	ADP
easat-7649	221	6	women	woman	NOUN
easat-7649	221	7	respondents	respondent	NOUN
easat-7649	221	8	believed	believe	VERB
easat-7649	221	9	that	that	SCONJ
easat-7649	221	10	micro	micro	ADJ
easat-7649	221	11	savings	saving	NOUN
easat-7649	221	12	helped	help	VERB
easat-7649	221	13	them	they	PRON
easat-7649	221	14	manage	manage	VERB
easat-7649	221	15	unexpected	unexpected	ADJ
easat-7649	221	16	financial	financial	ADJ
easat-7649	221	17	needs	need	NOUN
easat-7649	221	18	,	,	PUNCT
easat-7649	221	19	while	while	SCONJ
easat-7649	221	20	sixty	sixty	NUM
easat-7649	221	21	-	-	PUNCT
easat-7649	221	22	five	five	NUM
easat-7649	221	23	percent	percent	NOUN
easat-7649	221	24	felt	feel	VERB
easat-7649	221	25	that	that	SCONJ
easat-7649	221	26	the	the	DET
easat-7649	221	27	microfinance	microfinance	NOUN
easat-7649	221	28	program	program	NOUN
easat-7649	221	29	encouraged	encourage	VERB
easat-7649	221	30	them	they	PRON
easat-7649	221	31	to	to	PART
easat-7649	221	32	save	save	VERB
easat-7649	221	33	.	.	PUNCT
easat-7649	222	1	this	this	PRON
easat-7649	222	2	aligns	align	VERB
easat-7649	222	3	with	with	ADP
easat-7649	222	4	the	the	DET
easat-7649	222	5	findings	finding	NOUN
easat-7649	222	6	of	of	ADP
easat-7649	222	7	gracy	gracy	PROPN
easat-7649	222	8	and	and	CCONJ
easat-7649	222	9	devi	devi	PROPN
easat-7649	223	1	[	[	X
easat-7649	223	2	30	30	NUM
easat-7649	223	3	]	]	PUNCT
easat-7649	223	4	and	and	CCONJ
easat-7649	223	5	khursheed	khursheed	X
easat-7649	224	1	[	[	X
easat-7649	224	2	31	31	NUM
easat-7649	224	3	]	]	PUNCT
easat-7649	224	4	who	who	PRON
easat-7649	224	5	found	find	VERB
easat-7649	224	6	that	that	SCONJ
easat-7649	224	7	micro	micro	ADJ
easat-7649	224	8	savings	saving	NOUN
easat-7649	224	9	play	play	VERB
easat-7649	224	10	a	a	DET
easat-7649	224	11	key	key	ADJ
easat-7649	224	12	role	role	NOUN
easat-7649	224	13	in	in	ADP
easat-7649	224	14	helping	help	VERB
easat-7649	224	15	women	woman	NOUN
easat-7649	224	16	manage	manage	VERB
easat-7649	224	17	unforeseen	unforeseen	ADJ
easat-7649	224	18	expenses	expense	NOUN
easat-7649	224	19	.	.	PUNCT
easat-7649	225	1	similarly	similarly	ADV
easat-7649	225	2	,	,	PUNCT
easat-7649	225	3	swain	swain	PROPN
easat-7649	225	4	and	and	CCONJ
easat-7649	225	5	wallentin	wallentin	NOUN
easat-7649	225	6	[	[	X
easat-7649	225	7	32	32	NUM
easat-7649	225	8	]	]	PUNCT
easat-7649	225	9	concluded	conclude	VERB
easat-7649	225	10	that	that	SCONJ
easat-7649	225	11	micro	micro	ADJ
easat-7649	225	12	savings	saving	NOUN
easat-7649	225	13	empower	empower	NOUN
easat-7649	225	14	women	woman	NOUN
easat-7649	225	15	to	to	PART
easat-7649	225	16	handle	handle	VERB
easat-7649	225	17	contingencies	contingency	NOUN
easat-7649	225	18	more	more	ADV
easat-7649	225	19	effectively	effectively	ADV
easat-7649	225	20	.	.	PUNCT
easat-7649	226	1	the	the	DET
easat-7649	226	2	study	study	NOUN
easat-7649	226	3	also	also	ADV
easat-7649	226	4	found	find	VERB
easat-7649	226	5	that	that	SCONJ
easat-7649	226	6	micro	micro	ADJ
easat-7649	226	7	insurance	insurance	NOUN
easat-7649	226	8	has	have	VERB
easat-7649	226	9	a	a	DET
easat-7649	226	10	positive	positive	ADJ
easat-7649	226	11	effect	effect	NOUN
easat-7649	226	12	on	on	ADP
easat-7649	226	13	women	woman	NOUN
easat-7649	226	14	's	's	PART
easat-7649	226	15	economic	economic	ADJ
easat-7649	226	16	empowerment	empowerment	NOUN
easat-7649	226	17	.	.	PUNCT
easat-7649	227	1	micro	micro	PROPN
easat-7649	227	2	insurance	insurance	PROPN
easat-7649	227	3	helps	help	VERB
easat-7649	227	4	prevent	prevent	VERB
easat-7649	227	5	the	the	DET
easat-7649	227	6	need	need	NOUN
easat-7649	227	7	to	to	PART
easat-7649	227	8	sell	sell	VERB
easat-7649	227	9	essential	essential	ADJ
easat-7649	227	10	household	household	NOUN
easat-7649	227	11	assets	asset	NOUN
easat-7649	227	12	or	or	CCONJ
easat-7649	227	13	pawn	pawn	VERB
easat-7649	227	14	them	they	PRON
easat-7649	227	15	at	at	ADP
easat-7649	227	16	low	low	ADJ
easat-7649	227	17	prices	price	NOUN
easat-7649	227	18	.	.	PUNCT
easat-7649	228	1	it	it	PRON
easat-7649	228	2	offers	offer	VERB
easat-7649	228	3	customized	customized	ADJ
easat-7649	228	4	services	service	NOUN
easat-7649	228	5	tailored	tailor	VERB
easat-7649	228	6	to	to	ADP
easat-7649	228	7	respondents	respondent	NOUN
easat-7649	228	8	’	'	PUNCT
easat-7649	228	9	needs	need	NOUN
easat-7649	228	10	,	,	PUNCT
easat-7649	228	11	including	include	VERB
easat-7649	228	12	coverage	coverage	NOUN
easat-7649	228	13	for	for	ADP
easat-7649	228	14	health	health	NOUN
easat-7649	228	15	,	,	PUNCT
easat-7649	228	16	life	life	NOUN
easat-7649	228	17	,	,	PUNCT
easat-7649	228	18	death	death	NOUN
easat-7649	228	19	,	,	PUNCT
easat-7649	228	20	and	and	CCONJ
easat-7649	228	21	natural	natural	ADJ
easat-7649	228	22	disasters	disaster	NOUN
easat-7649	228	23	.	.	PUNCT
easat-7649	229	1	this	this	PRON
easat-7649	229	2	supports	support	VERB
easat-7649	229	3	the	the	DET
easat-7649	229	4	findings	finding	NOUN
easat-7649	229	5	of	of	ADP
easat-7649	229	6	akotey	akotey	PROPN
easat-7649	229	7	and	and	CCONJ
easat-7649	229	8	adjasi	adjasi	NOUN
easat-7649	229	9	[	[	X
easat-7649	229	10	33	33	NUM
easat-7649	229	11	]	]	PUNCT
easat-7649	229	12	who	who	PRON
easat-7649	229	13	argued	argue	VERB
easat-7649	229	14	that	that	SCONJ
easat-7649	229	15	micro	micro	PROPN
easat-7649	229	16	insurance	insurance	NOUN
easat-7649	229	17	helps	help	VERB
easat-7649	229	18	low	low	ADJ
easat-7649	229	19	-	-	PUNCT
easat-7649	229	20	income	income	NOUN
easat-7649	229	21	households	household	NOUN
easat-7649	229	22	manage	manage	VERB
easat-7649	229	23	risks	risk	NOUN
easat-7649	229	24	,	,	PUNCT
easat-7649	229	25	escape	escape	NOUN
easat-7649	229	26	poverty	poverty	NOUN
easat-7649	229	27	,	,	PUNCT
easat-7649	229	28	and	and	CCONJ
easat-7649	229	29	retain	retain	VERB
easat-7649	229	30	their	their	PRON
easat-7649	229	31	welfare	welfare	NOUN
easat-7649	229	32	gains	gain	NOUN
easat-7649	229	33	.	.	PUNCT
easat-7649	230	1	regarding	regard	VERB
easat-7649	230	2	training	training	NOUN
easat-7649	230	3	and	and	CCONJ
easat-7649	230	4	advisory	advisory	ADJ
easat-7649	230	5	services	service	NOUN
easat-7649	230	6	,	,	PUNCT
easat-7649	230	7	respondents	respondent	NOUN
easat-7649	230	8	noted	note	VERB
easat-7649	230	9	that	that	SCONJ
easat-7649	230	10	microfinance	microfinance	NOUN
easat-7649	230	11	institutions	institution	NOUN
easat-7649	230	12	offer	offer	VERB
easat-7649	230	13	specialized	specialized	ADJ
easat-7649	230	14	training	training	NOUN
easat-7649	230	15	and	and	CCONJ
easat-7649	230	16	business	business	NOUN
easat-7649	230	17	advice	advice	NOUN
easat-7649	230	18	to	to	PART
easat-7649	230	19	help	help	VERB
easat-7649	230	20	them	they	PRON
easat-7649	230	21	run	run	VERB
easat-7649	230	22	small	small	ADJ
easat-7649	230	23	businesses	business	NOUN
easat-7649	230	24	.	.	PUNCT
easat-7649	231	1	women	woman	NOUN
easat-7649	231	2	reported	report	VERB
easat-7649	231	3	gaining	gain	VERB
easat-7649	231	4	valuable	valuable	ADJ
easat-7649	231	5	business	business	NOUN
easat-7649	231	6	knowledge	knowledge	NOUN
easat-7649	231	7	and	and	CCONJ
easat-7649	231	8	skills	skill	NOUN
easat-7649	231	9	,	,	PUNCT
easat-7649	231	10	such	such	ADJ
easat-7649	231	11	as	as	ADP
easat-7649	231	12	preparing	prepare	VERB
easat-7649	231	13	income	income	NOUN
easat-7649	231	14	statements	statement	NOUN
easat-7649	231	15	and	and	CCONJ
easat-7649	231	16	annual	annual	ADJ
easat-7649	231	17	reports	report	NOUN
easat-7649	231	18	.	.	PUNCT
easat-7649	232	1	these	these	DET
easat-7649	232	2	services	service	NOUN
easat-7649	232	3	have	have	AUX
easat-7649	232	4	contributed	contribute	VERB
easat-7649	232	5	to	to	ADP
easat-7649	232	6	an	an	DET
easat-7649	232	7	increase	increase	NOUN
easat-7649	232	8	in	in	ADP
easat-7649	232	9	self	self	NOUN
easat-7649	232	10	-	-	PUNCT
easat-7649	232	11	esteem	esteem	NOUN
easat-7649	232	12	among	among	ADP
easat-7649	232	13	women	woman	NOUN
easat-7649	232	14	,	,	PUNCT
easat-7649	232	15	empowering	empower	VERB
easat-7649	232	16	them	they	PRON
easat-7649	232	17	to	to	PART
easat-7649	232	18	start	start	VERB
easat-7649	232	19	income	income	NOUN
easat-7649	232	20	-	-	PUNCT
easat-7649	232	21	generating	generate	VERB
easat-7649	232	22	businesses	business	NOUN
easat-7649	232	23	and	and	CCONJ
easat-7649	232	24	accumulate	accumulate	VERB
easat-7649	232	25	wealth	wealth	NOUN
easat-7649	232	26	.	.	PUNCT
easat-7649	233	1	nevertheless	nevertheless	ADV
easat-7649	233	2	,	,	PUNCT
easat-7649	233	3	training	training	NOUN
easat-7649	233	4	programs	program	NOUN
easat-7649	233	5	aimed	aim	VERB
easat-7649	233	6	at	at	ADP
easat-7649	233	7	improving	improve	VERB
easat-7649	233	8	women	woman	NOUN
easat-7649	233	9	’s	’s	PART
easat-7649	233	10	economic	economic	ADJ
easat-7649	233	11	conditions	condition	NOUN
easat-7649	233	12	,	,	PUNCT
easat-7649	233	13	as	as	SCONJ
easat-7649	233	14	noted	note	VERB
easat-7649	233	15	by	by	ADP
easat-7649	233	16	pandit	pandit	PROPN
easat-7649	233	17	[	[	X
easat-7649	233	18	18	18	NUM
easat-7649	233	19	]	]	PUNCT
easat-7649	233	20	are	be	AUX
easat-7649	233	21	crucial	crucial	ADJ
easat-7649	233	22	for	for	ADP
easat-7649	233	23	skill	skill	NOUN
easat-7649	233	24	development	development	NOUN
easat-7649	233	25	and	and	CCONJ
easat-7649	233	26	income	income	NOUN
easat-7649	233	27	-	-	PUNCT
easat-7649	233	28	generation	generation	NOUN
easat-7649	233	29	opportunities	opportunity	NOUN
easat-7649	233	30	.	.	PUNCT
easat-7649	234	1	5	5	X
easat-7649	234	2	.	.	X
easat-7649	234	3	conclusion	conclusion	NOUN
easat-7649	234	4	microfinance	microfinance	NOUN
easat-7649	234	5	has	have	AUX
easat-7649	234	6	proven	prove	VERB
easat-7649	234	7	to	to	PART
easat-7649	234	8	be	be	AUX
easat-7649	234	9	a	a	DET
easat-7649	234	10	crucial	crucial	ADJ
easat-7649	234	11	tool	tool	NOUN
easat-7649	234	12	for	for	ADP
easat-7649	234	13	empowering	empower	VERB
easat-7649	234	14	underprivileged	underprivileged	ADJ
easat-7649	234	15	populations	population	NOUN
easat-7649	234	16	,	,	PUNCT
easat-7649	234	17	particularly	particularly	ADV
easat-7649	234	18	women	woman	NOUN
easat-7649	234	19	,	,	PUNCT
easat-7649	234	20	by	by	ADP
easat-7649	234	21	addressing	address	VERB
easat-7649	234	22	income	income	NOUN
easat-7649	234	23	disparities	disparity	NOUN
easat-7649	234	24	and	and	CCONJ
easat-7649	234	25	economic	economic	ADJ
easat-7649	234	26	vulnerability	vulnerability	NOUN
easat-7649	234	27	.	.	PUNCT
easat-7649	235	1	through	through	ADP
easat-7649	235	2	services	service	NOUN
easat-7649	235	3	like	like	ADP
easat-7649	235	4	micro	micro	ADJ
easat-7649	235	5	credit	credit	NOUN
easat-7649	235	6	,	,	PUNCT
easat-7649	235	7	savings	saving	NOUN
easat-7649	235	8	,	,	PUNCT
easat-7649	235	9	insurance	insurance	NOUN
easat-7649	235	10	,	,	PUNCT
easat-7649	235	11	and	and	CCONJ
easat-7649	235	12	training	training	NOUN
easat-7649	235	13	,	,	PUNCT
easat-7649	235	14	microfinance	microfinance	NOUN
easat-7649	235	15	institutions	institution	NOUN
easat-7649	235	16	(	(	PUNCT
easat-7649	235	17	mfis	mfis	PROPN
easat-7649	235	18	)	)	PUNCT
easat-7649	235	19	provide	provide	VERB
easat-7649	235	20	essential	essential	ADJ
easat-7649	235	21	support	support	NOUN
easat-7649	235	22	to	to	ADP
easat-7649	235	23	women	woman	NOUN
easat-7649	235	24	,	,	PUNCT
easat-7649	235	25	especially	especially	ADV
easat-7649	235	26	in	in	ADP
easat-7649	235	27	low	low	ADJ
easat-7649	235	28	-	-	PUNCT
easat-7649	235	29	income	income	NOUN
easat-7649	235	30	communities	community	NOUN
easat-7649	235	31	.	.	PUNCT
easat-7649	236	1	the	the	DET
easat-7649	236	2	findings	finding	NOUN
easat-7649	236	3	from	from	ADP
easat-7649	236	4	this	this	DET
easat-7649	236	5	study	study	NOUN
easat-7649	236	6	highlight	highlight	VERB
easat-7649	236	7	that	that	SCONJ
easat-7649	236	8	micro	micro	PROPN
easat-7649	236	9	credit	credit	NOUN
easat-7649	236	10	significantly	significantly	ADV
easat-7649	236	11	contributes	contribute	VERB
easat-7649	236	12	to	to	ADP
easat-7649	236	13	women	woman	NOUN
easat-7649	236	14	's	's	PART
easat-7649	236	15	economic	economic	ADJ
easat-7649	236	16	empowerment	empowerment	NOUN
easat-7649	236	17	,	,	PUNCT
easat-7649	236	18	with	with	ADP
easat-7649	236	19	many	many	ADJ
easat-7649	236	20	respondents	respondent	NOUN
easat-7649	236	21	using	use	VERB
easat-7649	236	22	loans	loan	NOUN
easat-7649	236	23	for	for	ADP
easat-7649	236	24	investments	investment	NOUN
easat-7649	236	25	and	and	CCONJ
easat-7649	236	26	to	to	PART
easat-7649	236	27	address	address	VERB
easat-7649	236	28	emergency	emergency	NOUN
easat-7649	236	29	needs	need	NOUN
easat-7649	236	30	.	.	PUNCT
easat-7649	237	1	additionally	additionally	ADV
easat-7649	237	2	,	,	PUNCT
easat-7649	237	3	micro	micro	ADJ
easat-7649	237	4	savings	saving	NOUN
easat-7649	237	5	programs	program	NOUN
easat-7649	237	6	help	help	VERB
easat-7649	237	7	women	woman	NOUN
easat-7649	237	8	manage	manage	VERB
easat-7649	237	9	unexpected	unexpected	ADJ
easat-7649	237	10	expenses	expense	NOUN
easat-7649	237	11	,	,	PUNCT
easat-7649	237	12	while	while	SCONJ
easat-7649	237	13	micro	micro	ADJ
easat-7649	237	14	insurance	insurance	NOUN
easat-7649	237	15	offers	offer	VERB
easat-7649	237	16	financial	financial	ADJ
easat-7649	237	17	security	security	NOUN
easat-7649	237	18	.	.	PUNCT
easat-7649	238	1	the	the	DET
easat-7649	238	2	study	study	NOUN
easat-7649	238	3	also	also	ADV
easat-7649	238	4	found	find	VERB
easat-7649	238	5	that	that	SCONJ
easat-7649	238	6	training	training	NOUN
easat-7649	238	7	and	and	CCONJ
easat-7649	238	8	advisory	advisory	ADJ
easat-7649	238	9	services	service	NOUN
easat-7649	238	10	play	play	VERB
easat-7649	238	11	a	a	DET
easat-7649	238	12	vital	vital	ADJ
easat-7649	238	13	role	role	NOUN
easat-7649	238	14	in	in	ADP
easat-7649	238	15	enhancing	enhance	VERB
easat-7649	238	16	women	woman	NOUN
easat-7649	238	17	’s	’s	PART
easat-7649	238	18	business	business	NOUN
easat-7649	238	19	knowledge	knowledge	NOUN
easat-7649	238	20	and	and	CCONJ
easat-7649	238	21	skills	skill	NOUN
easat-7649	238	22	,	,	PUNCT
easat-7649	238	23	thus	thus	ADV
easat-7649	238	24	encouraging	encourage	VERB
easat-7649	238	25	their	their	PRON
easat-7649	238	26	participation	participation	NOUN
easat-7649	238	27	in	in	ADP
easat-7649	238	28	economic	economic	ADJ
easat-7649	238	29	activities	activity	NOUN
easat-7649	238	30	.	.	PUNCT
easat-7649	239	1	these	these	DET
easat-7649	239	2	results	result	NOUN
easat-7649	239	3	are	be	AUX
easat-7649	239	4	consistent	consistent	ADJ
easat-7649	239	5	with	with	ADP
easat-7649	239	6	previous	previous	ADJ
easat-7649	239	7	research	research	NOUN
easat-7649	239	8	indicating	indicate	VERB
easat-7649	239	9	that	that	SCONJ
easat-7649	239	10	microfinance	microfinance	NOUN
easat-7649	239	11	positively	positively	ADV
easat-7649	239	12	impacts	impact	VERB
easat-7649	239	13	women	woman	NOUN
easat-7649	239	14	's	's	PART
easat-7649	239	15	income	income	NOUN
easat-7649	239	16	,	,	PUNCT
easat-7649	239	17	decision	decision	NOUN
easat-7649	239	18	-	-	PUNCT
easat-7649	239	19	making	make	VERB
easat-7649	239	20	power	power	NOUN
easat-7649	239	21	,	,	PUNCT
easat-7649	239	22	and	and	CCONJ
easat-7649	239	23	overall	overall	ADJ
easat-7649	239	24	economic	economic	ADJ
easat-7649	239	25	independence	independence	NOUN
easat-7649	239	26	.	.	PUNCT
easat-7649	240	1	the	the	DET
easat-7649	240	2	study	study	NOUN
easat-7649	240	3	further	far	ADV
easat-7649	240	4	emphasizes	emphasize	VERB
easat-7649	240	5	the	the	DET
easat-7649	240	6	need	need	NOUN
easat-7649	240	7	for	for	SCONJ
easat-7649	240	8	mfis	mfis	NOUN
easat-7649	240	9	to	to	PART
easat-7649	240	10	allocate	allocate	VERB
easat-7649	240	11	equal	equal	ADJ
easat-7649	240	12	attention	attention	NOUN
easat-7649	240	13	to	to	ADP
easat-7649	240	14	all	all	PRON
easat-7649	240	15	of	of	ADP
easat-7649	240	16	their	their	PRON
easat-7649	240	17	services	service	NOUN
easat-7649	240	18	,	,	PUNCT
easat-7649	240	19	particularly	particularly	ADV
easat-7649	240	20	micro	micro	VERB
easat-7649	240	21	insurance	insurance	NOUN
easat-7649	240	22	and	and	CCONJ
easat-7649	240	23	training	training	NOUN
easat-7649	240	24	,	,	PUNCT
easat-7649	240	25	which	which	PRON
easat-7649	240	26	remain	remain	VERB
easat-7649	240	27	underutilized	underutilized	ADJ
easat-7649	240	28	compared	compare	VERB
easat-7649	240	29	to	to	ADP
easat-7649	240	30	micro	micro	ADJ
easat-7649	240	31	credit	credit	NOUN
easat-7649	240	32	and	and	CCONJ
easat-7649	240	33	savings	saving	NOUN
easat-7649	240	34	.	.	PUNCT
easat-7649	241	1	by	by	ADP
easat-7649	241	2	improving	improve	VERB
easat-7649	241	3	access	access	NOUN
easat-7649	241	4	to	to	ADP
easat-7649	241	5	these	these	DET
easat-7649	241	6	services	service	NOUN
easat-7649	241	7	,	,	PUNCT
easat-7649	241	8	mfis	mfis	PROPN
easat-7649	241	9	can	can	AUX
easat-7649	241	10	better	well	ADV
easat-7649	241	11	support	support	VERB
easat-7649	241	12	women	woman	NOUN
easat-7649	241	13	's	's	PART
easat-7649	241	14	economic	economic	ADJ
easat-7649	241	15	empowerment	empowerment	NOUN
easat-7649	241	16	and	and	CCONJ
easat-7649	241	17	increase	increase	VERB
easat-7649	241	18	their	their	PRON
easat-7649	241	19	own	own	ADJ
easat-7649	241	20	sustainability	sustainability	NOUN
easat-7649	241	21	.	.	PUNCT
easat-7649	242	1	although	although	SCONJ
easat-7649	242	2	this	this	DET
easat-7649	242	3	research	research	NOUN
easat-7649	242	4	is	be	AUX
easat-7649	242	5	limited	limit	VERB
easat-7649	242	6	to	to	ADP
easat-7649	242	7	sindhuli	sindhuli	PROPN
easat-7649	242	8	district	district	PROPN
easat-7649	242	9	,	,	PUNCT
easat-7649	242	10	future	future	ADJ
easat-7649	242	11	studies	study	NOUN
easat-7649	242	12	could	could	AUX
easat-7649	242	13	expand	expand	VERB
easat-7649	242	14	the	the	DET
easat-7649	242	15	sample	sample	NOUN
easat-7649	242	16	size	size	NOUN
easat-7649	242	17	to	to	PART
easat-7649	242	18	encompass	encompass	VERB
easat-7649	242	19	a	a	DET
easat-7649	242	20	wider	wide	ADJ
easat-7649	242	21	range	range	NOUN
easat-7649	242	22	of	of	ADP
easat-7649	242	23	regions	region	NOUN
easat-7649	242	24	and	and	CCONJ
easat-7649	242	25	consider	consider	VERB
easat-7649	242	26	additional	additional	ADJ
easat-7649	242	27	variables	variable	NOUN
easat-7649	242	28	such	such	ADJ
easat-7649	242	29	as	as	ADP
easat-7649	242	30	social	social	ADJ
easat-7649	242	31	and	and	CCONJ
easat-7649	242	32	political	political	ADJ
easat-7649	242	33	empowerment	empowerment	NOUN
easat-7649	242	34	.	.	PUNCT
easat-7649	243	1	this	this	DET
easat-7649	243	2	broader	broad	ADJ
easat-7649	243	3	approach	approach	NOUN
easat-7649	243	4	would	would	AUX
easat-7649	243	5	provide	provide	VERB
easat-7649	243	6	a	a	DET
easat-7649	243	7	more	more	ADV
easat-7649	243	8	comprehensive	comprehensive	ADJ
easat-7649	243	9	understanding	understanding	NOUN
easat-7649	243	10	of	of	ADP
easat-7649	243	11	microfinance	microfinance	NOUN
easat-7649	243	12	's	's	PART
easat-7649	243	13	impact	impact	NOUN
easat-7649	243	14	on	on	ADP
easat-7649	243	15	women	woman	NOUN
easat-7649	243	16	and	and	CCONJ
easat-7649	243	17	offer	offer	VERB
easat-7649	243	18	valuable	valuable	ADJ
easat-7649	243	19	insights	insight	NOUN
easat-7649	243	20	for	for	ADP
easat-7649	243	21	more	more	ADV
easat-7649	243	22	effective	effective	ADJ
easat-7649	243	23	policy	policy	NOUN
easat-7649	243	24	-	-	PUNCT
easat-7649	243	25	making	make	VERB
easat-7649	243	26	and	and	CCONJ
easat-7649	243	27	program	program	NOUN
easat-7649	243	28	development	development	NOUN
easat-7649	243	29	.	.	PUNCT
easat-7649	244	1	institutional	institutional	ADJ
easat-7649	244	2	review	review	PROPN
easat-7649	244	3	board	board	NOUN
easat-7649	244	4	statement	statement	NOUN
easat-7649	244	5	:	:	PUNCT
easat-7649	244	6	before	before	ADP
easat-7649	244	7	collecting	collect	VERB
easat-7649	244	8	data	datum	NOUN
easat-7649	244	9	,	,	PUNCT
easat-7649	244	10	the	the	DET
easat-7649	244	11	researcher	researcher	NOUN
easat-7649	244	12	obtained	obtain	VERB
easat-7649	244	13	ethical	ethical	ADJ
easat-7649	244	14	approval	approval	NOUN
easat-7649	244	15	(	(	PUNCT
easat-7649	244	16	ref	ref	NOUN
easat-7649	244	17	.	.	PUNCT
easat-7649	245	1	no	no	INTJ
easat-7649	245	2	.	.	NOUN
easat-7649	246	1	1/08	1/08	NUM
easat-7649	246	2	-	-	PUNCT
easat-7649	246	3	2082	2082	NUM
easat-7649	246	4	)	)	PUNCT
easat-7649	247	1	on	on	ADP
easat-7649	247	2	may	may	PROPN
easat-7649	247	3	5	5	NUM
easat-7649	247	4	,	,	PUNCT
easat-7649	247	5	2024	2024	NUM
easat-7649	247	6	from	from	ADP
easat-7649	247	7	research	research	NOUN
easat-7649	247	8	department	department	NOUN
easat-7649	247	9	of	of	ADP
easat-7649	247	10	shanker	shanker	PROPN
easat-7649	247	11	dev	dev	PROPN
easat-7649	247	12	campus	campus	NOUN
easat-7649	247	13	affiliated	affiliate	VERB
easat-7649	247	14	to	to	ADP
easat-7649	247	15	tribhuvan	tribhuvan	PROPN
easat-7649	247	16	university	university	NOUN
easat-7649	247	17	.	.	PUNCT
easat-7649	248	1	the	the	DET
easat-7649	248	2	clearance	clearance	NOUN
easat-7649	248	3	clearly	clearly	ADV
easat-7649	248	4	states	state	VERB
easat-7649	248	5	that	that	SCONJ
easat-7649	248	6	no	no	DET
easat-7649	248	7	human	human	ADJ
easat-7649	248	8	emotions	emotion	NOUN
easat-7649	248	9	were	be	AUX
easat-7649	248	10	harmed	harm	VERB
easat-7649	248	11	and	and	CCONJ
easat-7649	248	12	that	that	SCONJ
easat-7649	248	13	full	full	ADJ
easat-7649	248	14	ethical	ethical	ADJ
easat-7649	248	15	considerations	consideration	NOUN
easat-7649	248	16	were	be	AUX
easat-7649	248	17	maintained	maintain	VERB
easat-7649	248	18	.	.	PUNCT
easat-7649	249	1	3091	3091	NUM
easat-7649	249	2	edelweiss	edelweiss	PROPN
easat-7649	249	3	applied	apply	VERB
easat-7649	249	4	science	science	NOUN
easat-7649	249	5	and	and	CCONJ
easat-7649	249	6	technology	technology	NOUN
easat-7649	249	7	issn	issn	PROPN
easat-7649	249	8	:	:	PUNCT
easat-7649	249	9	2576	2576	NUM
easat-7649	249	10	-	-	SYM
easat-7649	249	11	8484	8484	NUM
easat-7649	249	12	vol	vol	NOUN
easat-7649	249	13	.	.	PROPN
easat-7649	250	1	9	9	NUM
easat-7649	250	2	,	,	PUNCT
easat-7649	250	3	no	no	INTJ
easat-7649	250	4	.	.	NOUN
easat-7649	250	5	5	5	NUM
easat-7649	250	6	:	:	SYM
easat-7649	250	7	3080	3080	NUM
easat-7649	250	8	-	-	SYM
easat-7649	250	9	3092	3092	NUM
easat-7649	250	10	,	,	PUNCT
easat-7649	250	11	2025	2025	NUM
easat-7649	250	12	doi	doi	NOUN
easat-7649	250	13	:	:	PUNCT
easat-7649	250	14	10.55214/25768484.v9i5.7649	10.55214/25768484.v9i5.7649	NUM
easat-7649	250	15	©	©	PROPN
easat-7649	250	16	2025	2025	NUM
easat-7649	250	17	by	by	ADP
easat-7649	250	18	the	the	DET
easat-7649	250	19	authors	author	NOUN
easat-7649	250	20	;	;	PUNCT
easat-7649	250	21	licensee	licensee	PROPN
easat-7649	250	22	learning	learn	VERB
easat-7649	250	23	gate	gate	NOUN
easat-7649	250	24	transparency	transparency	NOUN
easat-7649	250	25	:	:	PUNCT
easat-7649	250	26	the	the	DET
easat-7649	250	27	authors	author	NOUN
easat-7649	250	28	confirm	confirm	VERB
easat-7649	250	29	that	that	SCONJ
easat-7649	250	30	the	the	DET
easat-7649	250	31	manuscript	manuscript	NOUN
easat-7649	250	32	is	be	AUX
easat-7649	250	33	an	an	DET
easat-7649	250	34	honest	honest	ADJ
easat-7649	250	35	,	,	PUNCT
easat-7649	250	36	accurate	accurate	ADJ
easat-7649	250	37	,	,	PUNCT
easat-7649	250	38	and	and	CCONJ
easat-7649	250	39	transparent	transparent	ADJ
easat-7649	250	40	account	account	NOUN
easat-7649	250	41	of	of	ADP
easat-7649	250	42	the	the	DET
easat-7649	250	43	study	study	NOUN
easat-7649	250	44	;	;	PUNCT
easat-7649	250	45	that	that	SCONJ
easat-7649	250	46	no	no	DET
easat-7649	250	47	vital	vital	ADJ
easat-7649	250	48	features	feature	NOUN
easat-7649	250	49	of	of	ADP
easat-7649	250	50	the	the	DET
easat-7649	250	51	study	study	NOUN
easat-7649	250	52	have	have	AUX
easat-7649	250	53	been	be	AUX
easat-7649	250	54	omitted	omit	VERB
easat-7649	250	55	;	;	PUNCT
easat-7649	250	56	and	and	CCONJ
easat-7649	250	57	that	that	SCONJ
easat-7649	250	58	any	any	DET
easat-7649	250	59	discrepancies	discrepancy	NOUN
easat-7649	250	60	from	from	ADP
easat-7649	250	61	the	the	DET
easat-7649	250	62	study	study	NOUN
easat-7649	250	63	as	as	SCONJ
easat-7649	250	64	planned	plan	VERB
easat-7649	250	65	have	have	AUX
easat-7649	250	66	been	be	AUX
easat-7649	250	67	explained	explain	VERB
easat-7649	250	68	.	.	PUNCT
easat-7649	251	1	this	this	DET
easat-7649	251	2	study	study	NOUN
easat-7649	251	3	followed	follow	VERB
easat-7649	251	4	all	all	DET
easat-7649	251	5	ethical	ethical	ADJ
easat-7649	251	6	practices	practice	NOUN
easat-7649	251	7	during	during	ADP
easat-7649	251	8	writing	writing	NOUN
easat-7649	251	9	.	.	PUNCT
easat-7649	252	1	copyright	copyright	NOUN
easat-7649	252	2	:	:	PUNCT
easat-7649	252	3	©	©	PROPN
easat-7649	252	4	2025	2025	NUM
easat-7649	252	5	by	by	ADP
easat-7649	252	6	the	the	DET
easat-7649	252	7	authors	author	NOUN
easat-7649	252	8	.	.	PUNCT
easat-7649	253	1	this	this	DET
easat-7649	253	2	open	open	ADJ
easat-7649	253	3	-	-	PUNCT
easat-7649	253	4	access	access	NOUN
easat-7649	253	5	article	article	NOUN
easat-7649	253	6	is	be	AUX
easat-7649	253	7	distributed	distribute	VERB
easat-7649	253	8	under	under	ADP
easat-7649	253	9	the	the	DET
easat-7649	253	10	terms	term	NOUN
easat-7649	253	11	and	and	CCONJ
easat-7649	253	12	conditions	condition	NOUN
easat-7649	253	13	of	of	ADP
easat-7649	253	14	the	the	DET
easat-7649	253	15	creative	creative	ADJ
easat-7649	253	16	commons	common	NOUN
easat-7649	253	17	attribution	attribution	NOUN
easat-7649	253	18	(	(	PUNCT
easat-7649	253	19	cc	cc	NOUN
easat-7649	253	20	by	by	ADP
easat-7649	253	21	)	)	PUNCT
easat-7649	253	22	license	license	NOUN
easat-7649	253	23	(	(	PUNCT
easat-7649	253	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7649	253	25	)	)	PUNCT
easat-7649	253	26	.	.	PUNCT
easat-7649	254	1	references	reference	NOUN
easat-7649	254	2	[	[	X
easat-7649	254	3	1	1	NUM
easat-7649	254	4	]	]	X
easat-7649	254	5	g.	g.	PROPN
easat-7649	254	6	r.	r.	PROPN
easat-7649	254	7	gupta	gupta	PROPN
easat-7649	254	8	,	,	PUNCT
easat-7649	254	9	c.	c.	PROPN
easat-7649	254	10	grown	grown	PROPN
easat-7649	254	11	,	,	PUNCT
easat-7649	254	12	s.	s.	PROPN
easat-7649	254	13	fewer	fewer	PROPN
easat-7649	254	14	,	,	PUNCT
easat-7649	254	15	r.	r.	PROPN
easat-7649	254	16	gupta	gupta	PROPN
easat-7649	254	17	,	,	PUNCT
easat-7649	254	18	and	and	CCONJ
easat-7649	254	19	s.	s.	PROPN
easat-7649	254	20	nowrojee	nowrojee	PROPN
easat-7649	254	21	,	,	PUNCT
easat-7649	254	22	"	"	PUNCT
easat-7649	254	23	beyond	beyond	ADP
easat-7649	254	24	gender	gender	NOUN
easat-7649	254	25	mainstreaming	mainstreaming	NOUN
easat-7649	254	26	:	:	PUNCT
easat-7649	254	27	transforming	transform	VERB
easat-7649	254	28	humanitarian	humanitarian	ADJ
easat-7649	254	29	action	action	NOUN
easat-7649	254	30	,	,	PUNCT
easat-7649	254	31	organizations	organization	NOUN
easat-7649	254	32	and	and	CCONJ
easat-7649	254	33	culture	culture	NOUN
easat-7649	254	34	,	,	PUNCT
easat-7649	254	35	"	"	PUNCT
easat-7649	254	36	journal	journal	NOUN
easat-7649	254	37	of	of	ADP
easat-7649	254	38	international	international	ADJ
easat-7649	254	39	humanitarian	humanitarian	ADJ
easat-7649	254	40	action	action	NOUN
easat-7649	254	41	,	,	PUNCT
easat-7649	254	42	vol	vol	NOUN
easat-7649	254	43	.	.	PROPN
easat-7649	254	44	8	8	NUM
easat-7649	254	45	,	,	PUNCT
easat-7649	254	46	no	no	INTJ
easat-7649	254	47	.	.	NOUN
easat-7649	254	48	1	1	NUM
easat-7649	254	49	,	,	PUNCT
easat-7649	254	50	p.	p.	NOUN
easat-7649	254	51	5	5	NUM
easat-7649	254	52	,	,	PUNCT
easat-7649	254	53	2023	2023	NUM
easat-7649	254	54	.	.	PUNCT
easat-7649	255	1	https://doi.org/10.1186/s41018-023-00138-1	https://doi.org/10.1186/s41018-023-00138-1	PUNCT
easat-7649	256	1	[	[	X
easat-7649	256	2	2	2	NUM
easat-7649	256	3	]	]	X
easat-7649	256	4	d.-m	d.-m	NOUN
easat-7649	256	5	.	.	PUNCT
easat-7649	257	1	van	van	PROPN
easat-7649	257	2	dongen	dongen	PROPN
easat-7649	257	3	,	,	PUNCT
easat-7649	257	4	m.	m.	NOUN
easat-7649	257	5	obrizan	obrizan	NOUN
easat-7649	257	6	,	,	PUNCT
easat-7649	257	7	and	and	CCONJ
easat-7649	257	8	v.	v.	ADP
easat-7649	257	9	shymanskyi	shymanskyi	NOUN
easat-7649	257	10	,	,	PUNCT
easat-7649	257	11	"	"	PUNCT
easat-7649	257	12	determinants	determinant	NOUN
easat-7649	257	13	of	of	ADP
easat-7649	257	14	women	woman	NOUN
easat-7649	257	15	’s	’s	PART
easat-7649	257	16	empowerment	empowerment	NOUN
easat-7649	257	17	in	in	ADP
easat-7649	257	18	nepal	nepal	NOUN
easat-7649	257	19	,	,	PUNCT
easat-7649	257	20	"	"	PUNCT
easat-7649	257	21	plos	plos	PROPN
easat-7649	257	22	one	one	NUM
easat-7649	257	23	,	,	PUNCT
easat-7649	257	24	vol	vol	NOUN
easat-7649	257	25	.	.	PROPN
easat-7649	257	26	19	19	NUM
easat-7649	257	27	,	,	PUNCT
easat-7649	257	28	no	no	INTJ
easat-7649	257	29	.	.	NOUN
easat-7649	257	30	9	9	NUM
easat-7649	257	31	,	,	PUNCT
easat-7649	257	32	p.	p.	NOUN
easat-7649	257	33	e0310266	e0310266	PROPN
easat-7649	257	34	,	,	PUNCT
easat-7649	257	35	2024	2024	NUM
easat-7649	257	36	.	.	PUNCT
easat-7649	258	1	https://doi.org/10.1371/journal.pone.0310266	https://doi.org/10.1371/journal.pone.0310266	PRON
easat-7649	258	2	[	[	X
easat-7649	258	3	3	3	X
easat-7649	258	4	]	]	PUNCT
easat-7649	258	5	t.	t.	PROPN
easat-7649	258	6	dahal	dahal	PROPN
easat-7649	258	7	,	,	PUNCT
easat-7649	258	8	k.	k.	PROPN
easat-7649	258	9	topping	topping	NOUN
easat-7649	258	10	,	,	PUNCT
easat-7649	258	11	and	and	CCONJ
easat-7649	258	12	s.	s.	PROPN
easat-7649	258	13	levy	levy	PROPN
easat-7649	258	14	,	,	PUNCT
easat-7649	258	15	"	"	PUNCT
easat-7649	258	16	patriarchy	patriarchy	NOUN
easat-7649	258	17	,	,	PUNCT
easat-7649	258	18	gender	gender	NOUN
easat-7649	258	19	norms	norm	NOUN
easat-7649	258	20	and	and	CCONJ
easat-7649	258	21	female	female	ADJ
easat-7649	258	22	student	student	NOUN
easat-7649	258	23	dropout	dropout	NOUN
easat-7649	258	24	from	from	ADP
easat-7649	258	25	high	high	ADJ
easat-7649	258	26	schools	school	NOUN
easat-7649	258	27	in	in	ADP
easat-7649	258	28	nepal	nepal	ADJ
easat-7649	258	29	,	,	PUNCT
easat-7649	258	30	"	"	PUNCT
easat-7649	258	31	compare	compare	NOUN
easat-7649	258	32	:	:	PUNCT
easat-7649	258	33	a	a	DET
easat-7649	258	34	journal	journal	NOUN
easat-7649	258	35	of	of	ADP
easat-7649	258	36	comparative	comparative	ADJ
easat-7649	258	37	and	and	CCONJ
easat-7649	258	38	international	international	ADJ
easat-7649	258	39	education	education	NOUN
easat-7649	258	40	,	,	PUNCT
easat-7649	258	41	vol	vol	NOUN
easat-7649	258	42	.	.	PROPN
easat-7649	259	1	53	53	NUM
easat-7649	259	2	,	,	PUNCT
easat-7649	259	3	no	no	INTJ
easat-7649	259	4	.	.	NOUN
easat-7649	259	5	6	6	NUM
easat-7649	259	6	,	,	PUNCT
easat-7649	259	7	pp	pp	ADJ
easat-7649	259	8	.	.	PUNCT
easat-7649	260	1	1005	1005	NUM
easat-7649	260	2	-	-	SYM
easat-7649	260	3	1023	1023	NUM
easat-7649	260	4	,	,	PUNCT
easat-7649	260	5	2023	2023	NUM
easat-7649	260	6	.	.	PUNCT
easat-7649	261	1	https://doi.org/10.1080/03057925.2021.1987191	https://doi.org/10.1080/03057925.2021.1987191	X
easat-7649	262	1	[	[	X
easat-7649	262	2	4	4	NUM
easat-7649	262	3	]	]	X
easat-7649	262	4	r.	r.	PROPN
easat-7649	262	5	d.	d.	PROPN
easat-7649	262	6	karki	karki	PROPN
easat-7649	262	7	and	and	CCONJ
easat-7649	262	8	n.	n.	PROPN
easat-7649	262	9	r.	r.	PROPN
easat-7649	262	10	thapa	thapa	PROPN
easat-7649	262	11	,	,	PUNCT
easat-7649	262	12	"	"	PUNCT
easat-7649	262	13	women	woman	NOUN
easat-7649	262	14	’s	’s	PART
easat-7649	262	15	empowerment	empowerment	NOUN
easat-7649	262	16	in	in	ADP
easat-7649	262	17	household	household	NOUN
easat-7649	262	18	decision	decision	NOUN
easat-7649	262	19	-	-	PUNCT
easat-7649	262	20	making	making	NOUN
easat-7649	262	21	among	among	ADP
easat-7649	262	22	the	the	DET
easat-7649	262	23	poor	poor	ADJ
easat-7649	262	24	and	and	CCONJ
easat-7649	262	25	nonpoor	nonpoor	NOUN
easat-7649	262	26	in	in	ADP
easat-7649	262	27	nepal	nepal	ADJ
easat-7649	262	28	,	,	PUNCT
easat-7649	262	29	"	"	PUNCT
easat-7649	262	30	humanities	humanity	NOUN
easat-7649	262	31	and	and	CCONJ
easat-7649	262	32	social	social	ADJ
easat-7649	262	33	sciences	science	NOUN
easat-7649	262	34	journal	journal	NOUN
easat-7649	262	35	,	,	PUNCT
easat-7649	262	36	vol	vol	NOUN
easat-7649	262	37	.	.	PROPN
easat-7649	262	38	13	13	NUM
easat-7649	262	39	,	,	PUNCT
easat-7649	262	40	no	no	INTJ
easat-7649	262	41	.	.	NOUN
easat-7649	262	42	1	1	NUM
easat-7649	262	43	,	,	PUNCT
easat-7649	262	44	pp	pp	ADJ
easat-7649	262	45	.	.	PUNCT
easat-7649	263	1	187	187	NUM
easat-7649	263	2	-	-	SYM
easat-7649	263	3	200	200	NUM
easat-7649	263	4	,	,	PUNCT
easat-7649	263	5	2021	2021	NUM
easat-7649	263	6	.	.	PUNCT
easat-7649	264	1	https://doi.org/10.3126/hssj.v13i1.44563	https://doi.org/10.3126/hssj.v13i1.44563	NUM
easat-7649	265	1	[	[	X
easat-7649	265	2	5	5	NUM
easat-7649	265	3	]	]	SYM
easat-7649	265	4	i.	i.	NOUN
easat-7649	265	5	padavic	padavic	PROPN
easat-7649	265	6	,	,	PUNCT
easat-7649	265	7	r.	r.	PROPN
easat-7649	265	8	j.	j.	PROPN
easat-7649	265	9	ely	ely	PROPN
easat-7649	265	10	,	,	PUNCT
easat-7649	265	11	and	and	CCONJ
easat-7649	265	12	e.	e.	PROPN
easat-7649	265	13	m.	m.	PROPN
easat-7649	265	14	reid	reid	PROPN
easat-7649	265	15	,	,	PUNCT
easat-7649	265	16	"	"	PUNCT
easat-7649	265	17	explaining	explain	VERB
easat-7649	265	18	the	the	DET
easat-7649	265	19	persistence	persistence	NOUN
easat-7649	265	20	of	of	ADP
easat-7649	265	21	gender	gender	NOUN
easat-7649	265	22	inequality	inequality	NOUN
easat-7649	265	23	:	:	PUNCT
easat-7649	265	24	the	the	DET
easat-7649	265	25	work	work	NOUN
easat-7649	265	26	–	–	PUNCT
easat-7649	265	27	family	family	NOUN
easat-7649	265	28	narrative	narrative	NOUN
easat-7649	265	29	as	as	ADP
easat-7649	265	30	a	a	DET
easat-7649	265	31	social	social	ADJ
easat-7649	265	32	defense	defense	NOUN
easat-7649	265	33	against	against	ADP
easat-7649	265	34	the	the	DET
easat-7649	265	35	24/7	24/7	NUM
easat-7649	265	36	work	work	NOUN
easat-7649	265	37	culture	culture	NOUN
easat-7649	265	38	,	,	PUNCT
easat-7649	265	39	"	"	PUNCT
easat-7649	265	40	administrative	administrative	ADJ
easat-7649	265	41	science	science	NOUN
easat-7649	265	42	quarterly	quarterly	ADJ
easat-7649	265	43	,	,	PUNCT
easat-7649	265	44	vol	vol	NOUN
easat-7649	265	45	.	.	PROPN
easat-7649	265	46	65	65	NUM
easat-7649	265	47	,	,	PUNCT
easat-7649	265	48	no	no	INTJ
easat-7649	265	49	.	.	NOUN
easat-7649	265	50	1	1	NUM
easat-7649	265	51	,	,	PUNCT
easat-7649	265	52	pp	pp	ADJ
easat-7649	265	53	.	.	PUNCT
easat-7649	266	1	61	61	NUM
easat-7649	266	2	-	-	SYM
easat-7649	266	3	111	111	NUM
easat-7649	266	4	,	,	PUNCT
easat-7649	266	5	2020	2020	NUM
easat-7649	266	6	.	.	PUNCT
easat-7649	267	1	https://doi.org/10.1177/0001839219832310	https://doi.org/10.1177/0001839219832310	X
easat-7649	268	1	[	[	X
easat-7649	268	2	6	6	NUM
easat-7649	268	3	]	]	X
easat-7649	268	4	national	national	PROPN
easat-7649	268	5	statistics	statistics	PROPN
easat-7649	268	6	office	office	PROPN
easat-7649	268	7	,	,	PUNCT
easat-7649	268	8	annual	annual	ADJ
easat-7649	268	9	statistical	statistical	ADJ
easat-7649	268	10	report	report	NOUN
easat-7649	268	11	on	on	ADP
easat-7649	268	12	women	woman	NOUN
easat-7649	268	13	’s	’s	PART
easat-7649	268	14	empowerment	empowerment	NOUN
easat-7649	268	15	in	in	ADP
easat-7649	268	16	nepal	nepal	ADJ
easat-7649	268	17	.	.	PUNCT
easat-7649	269	1	kathmandu	kathmandu	NOUN
easat-7649	269	2	:	:	PUNCT
easat-7649	269	3	national	national	PROPN
easat-7649	269	4	statistics	statistics	PROPN
easat-7649	269	5	office	office	PROPN
easat-7649	269	6	,	,	PUNCT
easat-7649	269	7	2024	2024	NUM
easat-7649	269	8	.	.	PUNCT
easat-7649	270	1	[	[	X
easat-7649	270	2	7	7	X
easat-7649	270	3	]	]	X
easat-7649	270	4	s.	s.	PROPN
easat-7649	270	5	khadka	khadka	PROPN
easat-7649	270	6	,	,	PUNCT
easat-7649	270	7	"	"	PUNCT
easat-7649	270	8	a	a	DET
easat-7649	270	9	study	study	NOUN
easat-7649	270	10	on	on	ADP
easat-7649	270	11	the	the	DET
easat-7649	270	12	reflections	reflection	NOUN
easat-7649	270	13	of	of	ADP
easat-7649	270	14	women	woman	NOUN
easat-7649	270	15	and	and	CCONJ
easat-7649	270	16	men	man	NOUN
easat-7649	270	17	on	on	ADP
easat-7649	270	18	a	a	DET
easat-7649	270	19	women	woman	NOUN
easat-7649	270	20	’s	’s	PART
easat-7649	270	21	empowerment	empowerment	NOUN
easat-7649	270	22	project	project	NOUN
easat-7649	270	23	:	:	PUNCT
easat-7649	270	24	a	a	DET
easat-7649	270	25	case	case	NOUN
easat-7649	270	26	study	study	NOUN
easat-7649	270	27	of	of	ADP
easat-7649	270	28	sindhuli	sindhuli	PROPN
easat-7649	270	29	,	,	PUNCT
easat-7649	270	30	nepal	nepal	ADJ
easat-7649	270	31	,	,	PUNCT
easat-7649	270	32	"	"	PUNCT
easat-7649	270	33	retrieved	retrieve	VERB
easat-7649	270	34	:	:	PUNCT
easat-7649	270	35	https://commons.clarku.edu/idce_masters_papers/229	https://commons.clarku.edu/idce_masters_papers/229	X
easat-7649	270	36	.	.	PUNCT
easat-7649	271	1	[	[	X
easat-7649	271	2	accessed	access	VERB
easat-7649	271	3	2019	2019	NUM
easat-7649	271	4	.	.	PUNCT
easat-7649	272	1	[	[	X
easat-7649	272	2	8	8	NUM
easat-7649	272	3	]	]	PUNCT
easat-7649	272	4	m.	m.	NOUN
easat-7649	272	5	yadav	yadav	PROPN
easat-7649	272	6	,	,	PUNCT
easat-7649	272	7	"	"	PUNCT
easat-7649	272	8	microfinance	microfinance	NOUN
easat-7649	272	9	in	in	ADP
easat-7649	272	10	nepal	nepal	NOUN
easat-7649	272	11	:	:	PUNCT
easat-7649	272	12	an	an	DET
easat-7649	272	13	overview	overview	NOUN
easat-7649	272	14	,	,	PUNCT
easat-7649	272	15	"	"	PUNCT
easat-7649	272	16	journey	journey	NOUN
easat-7649	272	17	for	for	ADP
easat-7649	272	18	sustainable	sustainable	ADJ
easat-7649	272	19	development	development	NOUN
easat-7649	272	20	and	and	CCONJ
easat-7649	272	21	peace	peace	NOUN
easat-7649	272	22	journal	journal	NOUN
easat-7649	272	23	,	,	PUNCT
easat-7649	272	24	vol	vol	NOUN
easat-7649	272	25	.	.	PROPN
easat-7649	272	26	2	2	NUM
easat-7649	272	27	,	,	PUNCT
easat-7649	272	28	no	no	INTJ
easat-7649	272	29	.	.	NOUN
easat-7649	272	30	2	2	NUM
easat-7649	272	31	,	,	PUNCT
easat-7649	272	32	pp	pp	ADJ
easat-7649	272	33	.	.	PUNCT
easat-7649	273	1	114	114	NUM
easat-7649	273	2	-	-	SYM
easat-7649	273	3	131	131	NUM
easat-7649	273	4	,	,	PUNCT
easat-7649	273	5	2024	2024	NUM
easat-7649	273	6	.	.	PUNCT
easat-7649	274	1	https://doi.org/10.3126/jsdpj.v2i2.69573	https://doi.org/10.3126/jsdpj.v2i2.69573	NOUN
easat-7649	275	1	[	[	X
easat-7649	275	2	9	9	NUM
easat-7649	275	3	]	]	PUNCT
easat-7649	275	4	a.	a.	NOUN
easat-7649	275	5	i.	i.	PROPN
easat-7649	275	6	phil	phil	PROPN
easat-7649	275	7	-	-	PUNCT
easat-7649	275	8	ugochukwu	ugochukwu	NOUN
easat-7649	275	9	,	,	PUNCT
easat-7649	275	10	"	"	PUNCT
easat-7649	275	11	informal	informal	ADJ
easat-7649	275	12	financial	financial	ADJ
easat-7649	275	13	savings	saving	NOUN
easat-7649	275	14	practices	practice	NOUN
easat-7649	275	15	to	to	PART
easat-7649	275	16	facilitate	facilitate	VERB
easat-7649	275	17	formal	formal	ADJ
easat-7649	275	18	financial	financial	ADJ
easat-7649	275	19	inclusion	inclusion	NOUN
easat-7649	275	20	,	,	PUNCT
easat-7649	275	21	"	"	PUNCT
easat-7649	275	22	world	world	NOUN
easat-7649	275	23	journal	journal	NOUN
easat-7649	275	24	of	of	ADP
easat-7649	275	25	advanced	advanced	ADJ
easat-7649	275	26	research	research	NOUN
easat-7649	275	27	and	and	CCONJ
easat-7649	275	28	reviews	review	NOUN
easat-7649	275	29	,	,	PUNCT
easat-7649	275	30	vol	vol	NOUN
easat-7649	275	31	.	.	PROPN
easat-7649	276	1	24	24	NUM
easat-7649	276	2	,	,	PUNCT
easat-7649	276	3	no	no	INTJ
easat-7649	276	4	.	.	NOUN
easat-7649	276	5	3	3	NUM
easat-7649	276	6	,	,	PUNCT
easat-7649	276	7	pp	pp	ADJ
easat-7649	276	8	.	.	PUNCT
easat-7649	277	1	1970–1979	1970–1979	NUM
easat-7649	277	2	,	,	PUNCT
easat-7649	277	3	2024	2024	NUM
easat-7649	277	4	.	.	PUNCT
easat-7649	278	1	https://doi.org/10.30574/wjarr.2024.24.3.3779	https://doi.org/10.30574/wjarr.2024.24.3.3779	PRON
easat-7649	278	2	[	[	X
easat-7649	278	3	10	10	NUM
easat-7649	278	4	]	]	PUNCT
easat-7649	278	5	s.	s.	PROPN
easat-7649	278	6	subedi	subedi	PROPN
easat-7649	278	7	and	and	CCONJ
easat-7649	278	8	b.	b.	PROPN
easat-7649	278	9	r.	r.	PROPN
easat-7649	278	10	dhungana	dhungana	PROPN
easat-7649	278	11	,	,	PUNCT
easat-7649	278	12	"	"	PUNCT
easat-7649	278	13	financial	financial	ADJ
easat-7649	278	14	inclusion	inclusion	NOUN
easat-7649	278	15	among	among	ADP
easat-7649	278	16	the	the	DET
easat-7649	278	17	female	female	ADJ
easat-7649	278	18	customers	customer	NOUN
easat-7649	278	19	of	of	ADP
easat-7649	278	20	microfinance	microfinance	NOUN
easat-7649	278	21	:	:	PUNCT
easat-7649	278	22	an	an	DET
easat-7649	278	23	evidence	evidence	NOUN
easat-7649	278	24	from	from	ADP
easat-7649	278	25	pokhara	pokhara	PROPN
easat-7649	278	26	metropolis	metropolis	NOUN
easat-7649	278	27	,	,	PUNCT
easat-7649	278	28	"	"	PUNCT
easat-7649	278	29	journal	journal	NOUN
easat-7649	278	30	of	of	ADP
easat-7649	278	31	development	development	NOUN
easat-7649	278	32	and	and	CCONJ
easat-7649	278	33	administrative	administrative	ADJ
easat-7649	278	34	studies	study	NOUN
easat-7649	278	35	,	,	PUNCT
easat-7649	278	36	vol	vol	NOUN
easat-7649	278	37	.	.	PROPN
easat-7649	279	1	32	32	NUM
easat-7649	279	2	,	,	PUNCT
easat-7649	279	3	no	no	INTJ
easat-7649	279	4	.	.	NOUN
easat-7649	279	5	1	1	NUM
easat-7649	279	6	-	-	SYM
easat-7649	279	7	2	2	NUM
easat-7649	279	8	,	,	PUNCT
easat-7649	279	9	pp	pp	ADJ
easat-7649	279	10	.	.	PUNCT
easat-7649	280	1	43	43	NUM
easat-7649	280	2	-	-	SYM
easat-7649	280	3	48	48	NUM
easat-7649	280	4	,	,	PUNCT
easat-7649	280	5	2024	2024	NUM
easat-7649	280	6	.	.	PUNCT
easat-7649	281	1	https://doi.org/10.3126/jodas.v32i1-2.75849	https://doi.org/10.3126/jodas.v32i1-2.75849	X
easat-7649	281	2	[	[	X
easat-7649	281	3	11	11	NUM
easat-7649	281	4	]	]	X
easat-7649	281	5	b.	b.	PROPN
easat-7649	281	6	s.	s.	PROPN
easat-7649	281	7	thapa	thapa	PROPN
easat-7649	281	8	and	and	CCONJ
easat-7649	281	9	y.	y.	PROPN
easat-7649	281	10	amit	amit	PROPN
easat-7649	281	11	,	,	PUNCT
easat-7649	281	12	"	"	PUNCT
easat-7649	281	13	does	do	AUX
easat-7649	281	14	microfinance	microfinance	NOUN
easat-7649	281	15	affect	affect	VERB
easat-7649	281	16	women	woman	NOUN
easat-7649	281	17	empowerment	empowerment	NOUN
easat-7649	281	18	?	?	PUNCT
easat-7649	282	1	evidence	evidence	NOUN
easat-7649	282	2	from	from	ADP
easat-7649	282	3	rautahat	rautahat	PROPN
easat-7649	282	4	district	district	PROPN
easat-7649	282	5	of	of	ADP
easat-7649	282	6	nepal	nepal	NOUN
easat-7649	282	7	,	,	PUNCT
easat-7649	282	8	"	"	PUNCT
easat-7649	282	9	the	the	DET
easat-7649	282	10	batuk	batuk	NOUN
easat-7649	282	11	,	,	PUNCT
easat-7649	282	12	vol	vol	NOUN
easat-7649	282	13	.	.	PROPN
easat-7649	282	14	10	10	NUM
easat-7649	282	15	,	,	PUNCT
easat-7649	282	16	no	no	INTJ
easat-7649	282	17	.	.	NOUN
easat-7649	282	18	1	1	NUM
easat-7649	282	19	,	,	PUNCT
easat-7649	282	20	pp	pp	ADJ
easat-7649	282	21	.	.	PUNCT
easat-7649	283	1	1	1	NUM
easat-7649	283	2	-	-	SYM
easat-7649	283	3	15	15	NUM
easat-7649	283	4	,	,	PUNCT
easat-7649	283	5	2024	2024	NUM
easat-7649	283	6	.	.	PUNCT
easat-7649	283	7	https://doi.org/10.3126/batuk.v10i1.62294	https://doi.org/10.3126/batuk.v10i1.62294	PRON
easat-7649	284	1	[	[	X
easat-7649	284	2	12	12	NUM
easat-7649	284	3	]	]	X
easat-7649	284	4	p.	p.	NOUN
easat-7649	284	5	m.	m.	PROPN
easat-7649	284	6	r.	r.	PROPN
easat-7649	284	7	palani	palani	PROPN
easat-7649	284	8	et	et	PROPN
easat-7649	284	9	al	al	PROPN
easat-7649	284	10	.	.	PROPN
easat-7649	284	11	,	,	PUNCT
easat-7649	284	12	"	"	PUNCT
easat-7649	284	13	evaluate	evaluate	VERB
easat-7649	284	14	the	the	DET
easat-7649	284	15	achievement	achievement	NOUN
easat-7649	284	16	of	of	ADP
easat-7649	284	17	microfinance	microfinance	NOUN
easat-7649	284	18	initiatives	initiative	NOUN
easat-7649	284	19	in	in	ADP
easat-7649	284	20	empowering	empower	VERB
easat-7649	284	21	women	woman	NOUN
easat-7649	284	22	to	to	PART
easat-7649	284	23	overcome	overcome	VERB
easat-7649	284	24	climate	climate	NOUN
easat-7649	284	25	change	change	NOUN
easat-7649	284	26	-	-	PUNCT
easat-7649	284	27	related	relate	VERB
easat-7649	284	28	difficulties	difficulty	NOUN
easat-7649	284	29	,	,	PUNCT
easat-7649	284	30	"	"	PUNCT
easat-7649	284	31	international	international	ADJ
easat-7649	284	32	journal	journal	NOUN
easat-7649	284	33	of	of	ADP
easat-7649	284	34	social	social	ADJ
easat-7649	284	35	science	science	NOUN
easat-7649	284	36	research	research	NOUN
easat-7649	284	37	and	and	CCONJ
easat-7649	284	38	review	review	NOUN
easat-7649	284	39	,	,	PUNCT
easat-7649	284	40	vol	vol	NOUN
easat-7649	284	41	.	.	PROPN
easat-7649	284	42	8	8	NUM
easat-7649	284	43	,	,	PUNCT
easat-7649	284	44	no	no	INTJ
easat-7649	284	45	.	.	NOUN
easat-7649	284	46	4	4	NUM
easat-7649	284	47	,	,	PUNCT
easat-7649	284	48	pp	pp	ADJ
easat-7649	284	49	.	.	PUNCT
easat-7649	285	1	37–51	37–51	NUM
easat-7649	285	2	,	,	PUNCT
easat-7649	285	3	2025	2025	NUM
easat-7649	285	4	.	.	PUNCT
easat-7649	286	1	https://doi.org/10.47814/ijssrr.v8i4.2601	https://doi.org/10.47814/ijssrr.v8i4.2601	X
easat-7649	287	1	[	[	X
easat-7649	287	2	13	13	NUM
easat-7649	287	3	]	]	PUNCT
easat-7649	287	4	s.	s.	PROPN
easat-7649	287	5	gautam	gautam	PROPN
easat-7649	287	6	,	,	PUNCT
easat-7649	287	7	"	"	PUNCT
easat-7649	287	8	socio	socio	NOUN
easat-7649	287	9	-	-	PUNCT
easat-7649	287	10	economic	economic	ADJ
easat-7649	287	11	empowerment	empowerment	NOUN
easat-7649	287	12	of	of	ADP
easat-7649	287	13	women	woman	NOUN
easat-7649	287	14	through	through	ADP
easat-7649	287	15	microfinance	microfinance	NOUN
easat-7649	287	16	:	:	PUNCT
easat-7649	287	17	a	a	DET
easat-7649	287	18	case	case	NOUN
easat-7649	287	19	study	study	NOUN
easat-7649	287	20	of	of	ADP
easat-7649	287	21	baijnath	baijnath	PROPN
easat-7649	287	22	rural	rural	ADJ
easat-7649	287	23	municipality	municipality	NOUN
easat-7649	287	24	,	,	PUNCT
easat-7649	287	25	banke	banke	PROPN
easat-7649	287	26	,	,	PUNCT
easat-7649	287	27	"	"	PUNCT
easat-7649	287	28	voice	voice	NOUN
easat-7649	287	29	:	:	PUNCT
easat-7649	287	30	a	a	DET
easat-7649	287	31	biannual	biannual	ADJ
easat-7649	287	32	&	&	CCONJ
easat-7649	287	33	bilingual	bilingual	ADJ
easat-7649	287	34	journal	journal	PROPN
easat-7649	287	35	,	,	PUNCT
easat-7649	287	36	vol	vol	NOUN
easat-7649	287	37	.	.	PROPN
easat-7649	287	38	16	16	NUM
easat-7649	287	39	,	,	PUNCT
easat-7649	287	40	no	no	INTJ
easat-7649	287	41	.	.	NOUN
easat-7649	287	42	2	2	NUM
easat-7649	287	43	,	,	PUNCT
easat-7649	287	44	pp	pp	ADJ
easat-7649	287	45	.	.	PUNCT
easat-7649	288	1	48	48	NUM
easat-7649	288	2	-	-	SYM
easat-7649	288	3	60	60	NUM
easat-7649	288	4	,	,	PUNCT
easat-7649	288	5	2024	2024	NUM
easat-7649	288	6	.	.	PUNCT
easat-7649	288	7	https://doi.org/10.3126/voice.v16i2.72774	https://doi.org/10.3126/voice.v16i2.72774	PRON
easat-7649	289	1	[	[	X
easat-7649	289	2	14	14	NUM
easat-7649	289	3	]	]	PUNCT
easat-7649	289	4	b.	b.	PROPN
easat-7649	289	5	k.	k.	PROPN
easat-7649	289	6	jain	jain	PROPN
easat-7649	289	7	,	,	PUNCT
easat-7649	289	8	"	"	PUNCT
easat-7649	289	9	microfinance	microfinance	NOUN
easat-7649	289	10	services	service	NOUN
easat-7649	289	11	and	and	CCONJ
easat-7649	289	12	women	woman	NOUN
easat-7649	289	13	empowerment	empowerment	NOUN
easat-7649	289	14	in	in	ADP
easat-7649	289	15	biratnagar	biratnagar	ADJ
easat-7649	289	16	metropolitan	metropolitan	ADJ
easat-7649	289	17	,	,	PUNCT
easat-7649	289	18	nepal	nepal	ADJ
easat-7649	289	19	,	,	PUNCT
easat-7649	289	20	"	"	PUNCT
easat-7649	289	21	journal	journal	NOUN
easat-7649	289	22	of	of	ADP
easat-7649	289	23	underrepresented	underrepresented	ADJ
easat-7649	289	24	&	&	CCONJ
easat-7649	289	25	minority	minority	NOUN
easat-7649	289	26	progress	progress	NOUN
easat-7649	289	27	,	,	PUNCT
easat-7649	289	28	vol	vol	NOUN
easat-7649	289	29	.	.	PROPN
easat-7649	289	30	4	4	NUM
easat-7649	289	31	,	,	PUNCT
easat-7649	289	32	no	no	INTJ
easat-7649	289	33	.	.	NOUN
easat-7649	289	34	2	2	NUM
easat-7649	289	35	,	,	PUNCT
easat-7649	289	36	pp	pp	ADJ
easat-7649	289	37	.	.	PUNCT
easat-7649	290	1	251	251	NUM
easat-7649	290	2	-	-	SYM
easat-7649	290	3	270	270	NUM
easat-7649	290	4	,	,	PUNCT
easat-7649	290	5	2020	2020	NUM
easat-7649	290	6	.	.	PUNCT
easat-7649	291	1	https://doi.org/10.32674/jump.v4i2.2399	https://doi.org/10.32674/jump.v4i2.2399	NOUN
easat-7649	292	1	[	[	X
easat-7649	292	2	15	15	NUM
easat-7649	292	3	]	]	X
easat-7649	292	4	r.	r.	NOUN
easat-7649	292	5	gubhaju	gubhaju	NOUN
easat-7649	292	6	,	,	PUNCT
easat-7649	292	7	"	"	PUNCT
easat-7649	292	8	women	woman	NOUN
easat-7649	292	9	empowerment	empowerment	NOUN
easat-7649	292	10	in	in	ADP
easat-7649	292	11	self	self	NOUN
easat-7649	292	12	help	help	VERB
easat-7649	292	13	groups	group	NOUN
easat-7649	292	14	through	through	ADP
easat-7649	292	15	microfinance	microfinance	NOUN
easat-7649	292	16	:	:	PUNCT
easat-7649	292	17	a	a	DET
easat-7649	292	18	case	case	NOUN
easat-7649	292	19	study	study	NOUN
easat-7649	292	20	of	of	ADP
easat-7649	292	21	rautahat	rautahat	PROPN
easat-7649	292	22	district	district	NOUN
easat-7649	292	23	,	,	PUNCT
easat-7649	292	24	"	"	PUNCT
easat-7649	292	25	apex	apex	NOUN
easat-7649	292	26	journal	journal	PROPN
easat-7649	292	27	of	of	ADP
easat-7649	292	28	business	business	NOUN
easat-7649	292	29	and	and	CCONJ
easat-7649	292	30	management	management	NOUN
easat-7649	292	31	,	,	PUNCT
easat-7649	292	32	vol	vol	NOUN
easat-7649	292	33	.	.	PROPN
easat-7649	292	34	1	1	NUM
easat-7649	292	35	,	,	PUNCT
easat-7649	292	36	no	no	INTJ
easat-7649	292	37	.	.	NOUN
easat-7649	292	38	1	1	NUM
easat-7649	292	39	,	,	PUNCT
easat-7649	292	40	pp	pp	ADJ
easat-7649	292	41	.	.	PUNCT
easat-7649	293	1	33–54	33–54	NUM
easat-7649	293	2	,	,	PUNCT
easat-7649	293	3	2023	2023	NUM
easat-7649	293	4	.	.	PUNCT
easat-7649	294	1	https://doi.org/10.61274/apxc.2023.v01i01.004	https://doi.org/10.61274/apxc.2023.v01i01.004	PROPN
easat-7649	294	2	[	[	X
easat-7649	294	3	16	16	NUM
easat-7649	294	4	]	]	X
easat-7649	294	5	d.	d.	PROPN
easat-7649	294	6	j.	j.	PROPN
easat-7649	294	7	mhella	mhella	PROPN
easat-7649	294	8	,	,	PUNCT
easat-7649	294	9	"	"	PUNCT
easat-7649	294	10	exploring	explore	VERB
easat-7649	294	11	the	the	DET
easat-7649	294	12	role	role	NOUN
easat-7649	294	13	of	of	ADP
easat-7649	294	14	microinsurance	microinsurance	NOUN
easat-7649	294	15	in	in	ADP
easat-7649	294	16	financial	financial	ADJ
easat-7649	294	17	inclusion	inclusion	NOUN
easat-7649	294	18	:	:	PUNCT
easat-7649	294	19	a	a	DET
easat-7649	294	20	tanzanian	tanzanian	ADJ
easat-7649	294	21	case	case	NOUN
easat-7649	294	22	study	study	NOUN
easat-7649	294	23	,	,	PUNCT
easat-7649	294	24	"	"	PUNCT
easat-7649	294	25	perspectives	perspective	NOUN
easat-7649	294	26	on	on	ADP
easat-7649	294	27	global	global	ADJ
easat-7649	294	28	development	development	NOUN
easat-7649	294	29	and	and	CCONJ
easat-7649	294	30	technology	technology	NOUN
easat-7649	294	31	,	,	PUNCT
easat-7649	294	32	vol	vol	NOUN
easat-7649	294	33	.	.	PROPN
easat-7649	294	34	22	22	NUM
easat-7649	294	35	,	,	PUNCT
easat-7649	294	36	no	no	INTJ
easat-7649	294	37	.	.	NOUN
easat-7649	294	38	5	5	NUM
easat-7649	294	39	-	-	SYM
easat-7649	294	40	6	6	NUM
easat-7649	294	41	,	,	PUNCT
easat-7649	294	42	pp	pp	ADJ
easat-7649	294	43	.	.	PUNCT
easat-7649	294	44	321	321	NUM
easat-7649	294	45	-	-	SYM
easat-7649	294	46	368	368	NUM
easat-7649	294	47	,	,	PUNCT
easat-7649	294	48	2024	2024	NUM
easat-7649	294	49	.	.	PUNCT
easat-7649	295	1	[	[	X
easat-7649	295	2	17	17	NUM
easat-7649	295	3	]	]	X
easat-7649	295	4	e.	e.	PROPN
easat-7649	295	5	lwamba	lwamba	PROPN
easat-7649	295	6	et	et	PROPN
easat-7649	295	7	al	al	PROPN
easat-7649	295	8	.	.	PROPN
easat-7649	295	9	,	,	PUNCT
easat-7649	295	10	"	"	PUNCT
easat-7649	295	11	strengthening	strengthen	VERB
easat-7649	295	12	women	woman	NOUN
easat-7649	295	13	's	's	PART
easat-7649	295	14	empowerment	empowerment	NOUN
easat-7649	295	15	and	and	CCONJ
easat-7649	295	16	gender	gender	NOUN
easat-7649	295	17	equality	equality	NOUN
easat-7649	295	18	in	in	ADP
easat-7649	295	19	fragile	fragile	ADJ
easat-7649	295	20	contexts	context	NOUN
easat-7649	295	21	towards	towards	ADP
easat-7649	295	22	peaceful	peaceful	ADJ
easat-7649	295	23	and	and	CCONJ
easat-7649	295	24	inclusive	inclusive	ADJ
easat-7649	295	25	societies	society	NOUN
easat-7649	295	26	:	:	PUNCT
easat-7649	295	27	a	a	DET
easat-7649	295	28	systematic	systematic	ADJ
easat-7649	295	29	review	review	NOUN
easat-7649	295	30	and	and	CCONJ
easat-7649	295	31	meta‐analysis	meta‐analysis	NOUN
easat-7649	295	32	,	,	PUNCT
easat-7649	295	33	"	"	PUNCT
easat-7649	295	34	campbell	campbell	PROPN
easat-7649	295	35	systematic	systematic	ADJ
easat-7649	295	36	reviews	review	NOUN
easat-7649	295	37	,	,	PUNCT
easat-7649	295	38	vol	vol	NOUN
easat-7649	295	39	.	.	PROPN
easat-7649	295	40	18	18	NUM
easat-7649	295	41	,	,	PUNCT
easat-7649	295	42	no	no	INTJ
easat-7649	295	43	.	.	NOUN
easat-7649	295	44	1	1	NUM
easat-7649	295	45	,	,	PUNCT
easat-7649	295	46	p.	p.	NOUN
easat-7649	295	47	e1214	e1214	ADJ
easat-7649	295	48	,	,	PUNCT
easat-7649	295	49	2022	2022	NUM
easat-7649	295	50	.	.	PUNCT
easat-7649	296	1	https://doi.org/10.1002/cl2.1214	https://doi.org/10.1002/cl2.1214	NOUN
easat-7649	296	2	[	[	X
easat-7649	296	3	18	18	NUM
easat-7649	296	4	]	]	PUNCT
easat-7649	296	5	a.	a.	NOUN
easat-7649	296	6	pandit	pandit	NOUN
easat-7649	296	7	,	,	PUNCT
easat-7649	296	8	"	"	PUNCT
easat-7649	296	9	role	role	NOUN
easat-7649	296	10	of	of	ADP
easat-7649	296	11	training	training	NOUN
easat-7649	296	12	in	in	ADP
easat-7649	296	13	women	woman	NOUN
easat-7649	296	14	for	for	ADP
easat-7649	296	15	employment	employment	NOUN
easat-7649	296	16	:	:	PUNCT
easat-7649	296	17	a	a	DET
easat-7649	296	18	thematic	thematic	ADJ
easat-7649	296	19	study	study	NOUN
easat-7649	296	20	,	,	PUNCT
easat-7649	296	21	"	"	PUNCT
easat-7649	296	22	journal	journal	NOUN
easat-7649	296	23	of	of	ADP
easat-7649	296	24	technical	technical	ADJ
easat-7649	296	25	and	and	CCONJ
easat-7649	296	26	vocational	vocational	ADJ
easat-7649	296	27	education	education	NOUN
easat-7649	296	28	and	and	CCONJ
easat-7649	296	29	training	training	NOUN
easat-7649	296	30	,	,	PUNCT
easat-7649	296	31	vol	vol	NOUN
easat-7649	296	32	.	.	PROPN
easat-7649	296	33	19	19	NUM
easat-7649	296	34	,	,	PUNCT
easat-7649	296	35	no	no	INTJ
easat-7649	296	36	.	.	NOUN
easat-7649	296	37	1	1	NUM
easat-7649	296	38	,	,	PUNCT
easat-7649	296	39	pp	pp	ADJ
easat-7649	296	40	.	.	PUNCT
easat-7649	297	1	90	90	NUM
easat-7649	297	2	-	-	SYM
easat-7649	297	3	99	99	NUM
easat-7649	297	4	,	,	PUNCT
easat-7649	297	5	2025	2025	NUM
easat-7649	297	6	.	.	PUNCT
easat-7649	298	1	https://doi.org/10.3126/tvet.v19i1.75723	https://doi.org/10.3126/tvet.v19i1.75723	PUNCT
easat-7649	299	1	[	[	X
easat-7649	299	2	19	19	NUM
easat-7649	299	3	]	]	X
easat-7649	299	4	nepal	nepal	PROPN
easat-7649	299	5	rastra	rastra	PROPN
easat-7649	299	6	bank	bank	PROPN
easat-7649	299	7	,	,	PUNCT
easat-7649	299	8	"	"	PUNCT
easat-7649	299	9	financial	financial	ADJ
easat-7649	299	10	stability	stability	NOUN
easat-7649	299	11	report	report	VERB
easat-7649	299	12	nepal	nepal	PROPN
easat-7649	299	13	rastra	rastra	PROPN
easat-7649	299	14	bank	bank	PROPN
easat-7649	299	15	,	,	PUNCT
easat-7649	299	16	banks	bank	NOUN
easat-7649	299	17	and	and	CCONJ
easat-7649	299	18	financial	financial	ADJ
easat-7649	299	19	intuitions	intuition	NOUN
easat-7649	299	20	regulation	regulation	NOUN
easat-7649	299	21	department	department	NOUN
easat-7649	299	22	,	,	PUNCT
easat-7649	299	23	baluwatar	baluwatar	NOUN
easat-7649	299	24	,	,	PUNCT
easat-7649	299	25	"	"	PUNCT
easat-7649	299	26	retrieved	retrieve	VERB
easat-7649	299	27	:	:	PUNCT
easat-7649	299	28	https://www.nrb.org.np/contents/uploads/2025/04/financial-stabilityreport.pdf	https://www.nrb.org.np/contents/uploads/2025/04/financial-stabilityreport.pdf	NOUN
easat-7649	299	29	.	.	PUNCT
easat-7649	300	1	[	[	X
easat-7649	300	2	accessed	access	VERB
easat-7649	300	3	2024	2024	NUM
easat-7649	300	4	.	.	PUNCT
easat-7649	301	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7649	301	2	https://doi.org/10.1186/s41018-023-00138-1	https://doi.org/10.1186/s41018-023-00138-1	PROPN
easat-7649	302	1	https://doi.org/10.1371/journal.pone.0310266	https://doi.org/10.1371/journal.pone.0310266	X
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easat-7649	302	3	https://doi.org/10.3126/hssj.v13i1.44563	https://doi.org/10.3126/hssj.v13i1.44563	NUM
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easat-7649	303	1	https://commons.clarku.edu/idce_masters_papers/229	https://commons.clarku.edu/idce_masters_papers/229	NOUN
easat-7649	303	2	https://doi.org/10.3126/jsdpj.v2i2.69573	https://doi.org/10.3126/jsdpj.v2i2.69573	VERB
easat-7649	303	3	https://doi.org/10.30574/wjarr.2024.24.3.3779	https://doi.org/10.30574/wjarr.2024.24.3.3779	PROPN
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easat-7649	303	6	https://doi.org/10.47814/ijssrr.v8i4.2601	https://doi.org/10.47814/ijssrr.v8i4.2601	VERB
easat-7649	303	7	https://doi.org/10.3126/voice.v16i2.72774	https://doi.org/10.3126/voice.v16i2.72774	NOUN
easat-7649	303	8	https://doi.org/10.32674/jump.v4i2.2399	https://doi.org/10.32674/jump.v4i2.2399	NOUN
easat-7649	303	9	https://doi.org/10.61274/apxc.2023.v01i01.004	https://doi.org/10.61274/apxc.2023.v01i01.004	PROPN
easat-7649	303	10	https://doi.org/10.1002/cl2.1214	https://doi.org/10.1002/cl2.1214	NOUN
easat-7649	303	11	https://doi.org/10.3126/tvet.v19i1.75723	https://doi.org/10.3126/tvet.v19i1.75723	VERB
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easat-7649	303	13	https://www.nrb.org.np/contents/uploads/2025/04/financial-stability-report.pdf	https://www.nrb.org.np/contents/uploads/2025/04/financial-stability-report.pdf	PROPN
easat-7649	303	14	3092	3092	NUM
easat-7649	303	15	edelweiss	edelweiss	PROPN
easat-7649	303	16	applied	apply	VERB
easat-7649	303	17	science	science	NOUN
easat-7649	303	18	and	and	CCONJ
easat-7649	303	19	technology	technology	NOUN
easat-7649	303	20	issn	issn	PROPN
easat-7649	303	21	:	:	PUNCT
easat-7649	303	22	2576	2576	NUM
easat-7649	303	23	-	-	SYM
easat-7649	303	24	8484	8484	NUM
easat-7649	303	25	vol	vol	NOUN
easat-7649	303	26	.	.	PROPN
easat-7649	304	1	9	9	NUM
easat-7649	304	2	,	,	PUNCT
easat-7649	304	3	no	no	INTJ
easat-7649	304	4	.	.	NOUN
easat-7649	304	5	5	5	NUM
easat-7649	304	6	:	:	SYM
easat-7649	304	7	3080	3080	NUM
easat-7649	304	8	-	-	SYM
easat-7649	304	9	3092	3092	NUM
easat-7649	304	10	,	,	PUNCT
easat-7649	304	11	2025	2025	NUM
easat-7649	304	12	doi	doi	NOUN
easat-7649	304	13	:	:	PUNCT
easat-7649	304	14	10.55214/25768484.v9i5.7649	10.55214/25768484.v9i5.7649	NUM
easat-7649	304	15	©	©	PROPN
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easat-7649	304	17	by	by	ADP
easat-7649	304	18	the	the	DET
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easat-7649	304	21	licensee	licensee	PROPN
easat-7649	304	22	learning	learning	NOUN
easat-7649	304	23	gate	gate	NOUN
easat-7649	305	1	[	[	X
easat-7649	305	2	20	20	NUM
easat-7649	305	3	]	]	PUNCT
easat-7649	305	4	a.	a.	NOUN
easat-7649	305	5	gnawali	gnawali	PROPN
easat-7649	305	6	,	,	PUNCT
easat-7649	305	7	"	"	PUNCT
easat-7649	305	8	management	management	NOUN
easat-7649	305	9	accounting	accounting	NOUN
easat-7649	305	10	systems	system	NOUN
easat-7649	305	11	and	and	CCONJ
easat-7649	305	12	organizational	organizational	ADJ
easat-7649	305	13	performance	performance	NOUN
easat-7649	305	14	of	of	ADP
easat-7649	305	15	nepalese	nepalese	ADJ
easat-7649	305	16	commercial	commercial	ADJ
easat-7649	305	17	banks	bank	NOUN
easat-7649	305	18	,	,	PUNCT
easat-7649	305	19	"	"	PUNCT
easat-7649	305	20	journal	journal	NOUN
easat-7649	305	21	of	of	ADP
easat-7649	305	22	nepalese	nepalese	ADJ
easat-7649	305	23	business	business	NOUN
easat-7649	305	24	studies	study	NOUN
easat-7649	305	25	,	,	PUNCT
easat-7649	305	26	vol	vol	NOUN
easat-7649	305	27	.	.	PROPN
easat-7649	305	28	10	10	NUM
easat-7649	305	29	,	,	PUNCT
easat-7649	305	30	no	no	INTJ
easat-7649	305	31	.	.	NOUN
easat-7649	305	32	1	1	NUM
easat-7649	305	33	,	,	PUNCT
easat-7649	305	34	pp	pp	ADJ
easat-7649	305	35	.	.	PUNCT
easat-7649	306	1	8	8	NUM
easat-7649	306	2	-	-	SYM
easat-7649	306	3	19	19	NUM
easat-7649	306	4	,	,	PUNCT
easat-7649	306	5	2017	2017	NUM
easat-7649	306	6	.	.	PUNCT
easat-7649	307	1	https://doi.org/10.3126/jnbs.v10i1.19129	https://doi.org/10.3126/jnbs.v10i1.19129	NUM
easat-7649	308	1	[	[	X
easat-7649	308	2	21	21	NUM
easat-7649	308	3	]	]	X
easat-7649	308	4	j.	j.	PROPN
easat-7649	308	5	henseler	henseler	PROPN
easat-7649	308	6	,	,	PUNCT
easat-7649	308	7	c.	c.	PROPN
easat-7649	308	8	m.	m.	PROPN
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easat-7649	308	10	,	,	PUNCT
easat-7649	308	11	and	and	CCONJ
easat-7649	308	12	m.	m.	NOUN
easat-7649	308	13	sarstedt	sarstedt	NOUN
easat-7649	308	14	,	,	PUNCT
easat-7649	308	15	"	"	PUNCT
easat-7649	308	16	a	a	DET
easat-7649	308	17	new	new	ADJ
easat-7649	308	18	criterion	criterion	NOUN
easat-7649	308	19	for	for	ADP
easat-7649	308	20	assessing	assess	VERB
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easat-7649	308	22	validity	validity	NOUN
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easat-7649	308	25	-	-	PUNCT
easat-7649	308	26	based	base	VERB
easat-7649	308	27	structural	structural	ADJ
easat-7649	308	28	equation	equation	NOUN
easat-7649	308	29	modeling	modeling	NOUN
easat-7649	308	30	,	,	PUNCT
easat-7649	308	31	"	"	PUNCT
easat-7649	308	32	journal	journal	NOUN
easat-7649	308	33	of	of	ADP
easat-7649	308	34	the	the	DET
easat-7649	308	35	academy	academy	NOUN
easat-7649	308	36	of	of	ADP
easat-7649	308	37	marketing	marketing	NOUN
easat-7649	308	38	science	science	NOUN
easat-7649	308	39	,	,	PUNCT
easat-7649	308	40	vol	vol	NOUN
easat-7649	308	41	.	.	PROPN
easat-7649	308	42	43	43	NUM
easat-7649	308	43	,	,	PUNCT
easat-7649	308	44	pp	pp	ADJ
easat-7649	308	45	.	.	PUNCT
easat-7649	308	46	115	115	NUM
easat-7649	308	47	-	-	SYM
easat-7649	308	48	135	135	NUM
easat-7649	308	49	,	,	PUNCT
easat-7649	308	50	2015	2015	NUM
easat-7649	308	51	.	.	PUNCT
easat-7649	309	1	https://doi.org/10.1007/s11747-014-0403-8	https://doi.org/10.1007/s11747-014-0403-8	NOUN
easat-7649	310	1	[	[	X
easat-7649	310	2	22	22	NUM
easat-7649	310	3	]	]	PUNCT
easat-7649	310	4	j.	j.	PROPN
easat-7649	310	5	w.	w.	PROPN
easat-7649	310	6	lin	lin	PROPN
easat-7649	310	7	and	and	CCONJ
easat-7649	310	8	m.	m.	PROPN
easat-7649	310	9	i.	i.	PROPN
easat-7649	310	10	hwang	hwang	PROPN
easat-7649	310	11	,	,	PUNCT
easat-7649	310	12	"	"	PUNCT
easat-7649	310	13	audit	audit	NOUN
easat-7649	310	14	quality	quality	NOUN
easat-7649	310	15	,	,	PUNCT
easat-7649	310	16	corporate	corporate	ADJ
easat-7649	310	17	governance	governance	NOUN
easat-7649	310	18	,	,	PUNCT
easat-7649	310	19	and	and	CCONJ
easat-7649	310	20	earnings	earning	NOUN
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easat-7649	310	22	:	:	PUNCT
easat-7649	310	23	a	a	DET
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easat-7649	310	25	,	,	PUNCT
easat-7649	310	26	"	"	PUNCT
easat-7649	310	27	international	international	ADJ
easat-7649	310	28	journal	journal	NOUN
easat-7649	310	29	of	of	ADP
easat-7649	310	30	auditing	auditing	NOUN
easat-7649	310	31	,	,	PUNCT
easat-7649	310	32	vol	vol	NOUN
easat-7649	310	33	.	.	PROPN
easat-7649	310	34	14	14	NUM
easat-7649	310	35	,	,	PUNCT
easat-7649	310	36	no	no	INTJ
easat-7649	310	37	.	.	NOUN
easat-7649	310	38	1	1	NUM
easat-7649	310	39	,	,	PUNCT
easat-7649	310	40	pp	pp	ADJ
easat-7649	310	41	.	.	PUNCT
easat-7649	311	1	57	57	NUM
easat-7649	311	2	-	-	SYM
easat-7649	311	3	77	77	NUM
easat-7649	311	4	,	,	PUNCT
easat-7649	311	5	2010	2010	NUM
easat-7649	311	6	.	.	PUNCT
easat-7649	312	1	https://doi.org/10.1111/j.1099-1123.2009.00403.x	https://doi.org/10.1111/j.1099-1123.2009.00403.x	NOUN
easat-7649	313	1	[	[	X
easat-7649	313	2	23	23	NUM
easat-7649	313	3	]	]	X
easat-7649	313	4	c.	c.	PROPN
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easat-7649	313	10	,	,	PUNCT
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easat-7649	313	12	evaluating	evaluate	VERB
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easat-7649	313	14	equation	equation	NOUN
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easat-7649	313	19	and	and	CCONJ
easat-7649	313	20	measurement	measurement	NOUN
easat-7649	313	21	error	error	NOUN
easat-7649	313	22	,	,	PUNCT
easat-7649	313	23	"	"	PUNCT
easat-7649	313	24	journal	journal	NOUN
easat-7649	313	25	of	of	ADP
easat-7649	313	26	marketing	marketing	NOUN
easat-7649	313	27	research	research	NOUN
easat-7649	313	28	,	,	PUNCT
easat-7649	313	29	vol	vol	NOUN
easat-7649	313	30	.	.	PROPN
easat-7649	313	31	18	18	NUM
easat-7649	313	32	,	,	PUNCT
easat-7649	313	33	no	no	INTJ
easat-7649	313	34	.	.	NOUN
easat-7649	313	35	1	1	NUM
easat-7649	313	36	,	,	PUNCT
easat-7649	313	37	pp	pp	ADJ
easat-7649	313	38	.	.	PUNCT
easat-7649	314	1	39	39	NUM
easat-7649	314	2	-	-	SYM
easat-7649	314	3	50	50	NUM
easat-7649	314	4	,	,	PUNCT
easat-7649	314	5	1981	1981	NUM
easat-7649	314	6	.	.	PUNCT
easat-7649	315	1	https://doi.org/10.2307/3151312	https://doi.org/10.2307/3151312	PROPN
easat-7649	316	1	[	[	X
easat-7649	316	2	24	24	NUM
easat-7649	316	3	]	]	PUNCT
easat-7649	316	4	j.	j.	PROPN
easat-7649	316	5	f.	f.	PROPN
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easat-7649	316	8	g.	g.	PROPN
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easat-7649	316	10	m.	m.	PROPN
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easat-7649	316	12	,	,	PUNCT
easat-7649	316	13	c.	c.	PROPN
easat-7649	316	14	m.	m.	PROPN
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easat-7649	316	16	,	,	PUNCT
easat-7649	316	17	and	and	CCONJ
easat-7649	316	18	m.	m.	NOUN
easat-7649	316	19	sarstedt	sarstedt	PROPN
easat-7649	316	20	,	,	PUNCT
easat-7649	316	21	a	a	DET
easat-7649	316	22	primer	primer	NOUN
easat-7649	316	23	on	on	ADP
easat-7649	316	24	partial	partial	ADJ
easat-7649	316	25	least	least	ADJ
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easat-7649	316	27	structural	structural	ADJ
easat-7649	316	28	equation	equation	NOUN
easat-7649	316	29	modeling	modeling	NOUN
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easat-7649	316	31	pls	pls	INTJ
easat-7649	316	32	-	-	PUNCT
easat-7649	316	33	sem	sem	NOUN
easat-7649	316	34	)	)	PUNCT
easat-7649	316	35	.	.	PUNCT
easat-7649	317	1	los	los	PROPN
easat-7649	317	2	angeles	angeles	PROPN
easat-7649	317	3	,	,	PUNCT
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easat-7649	317	8	,	,	PUNCT
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easat-7649	318	1	[	[	X
easat-7649	318	2	25	25	NUM
easat-7649	318	3	]	]	X
easat-7649	318	4	l.	l.	PROPN
easat-7649	318	5	t.	t.	PROPN
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easat-7649	318	8	p.	p.	PROPN
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easat-7649	318	10	bentler	bentler	NOUN
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easat-7649	318	13	cutoff	cutoff	NOUN
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easat-7649	318	15	for	for	ADP
easat-7649	318	16	fit	fit	ADJ
easat-7649	318	17	indexes	index	NOUN
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easat-7649	318	28	,	,	PUNCT
easat-7649	318	29	"	"	PUNCT
easat-7649	318	30	structural	structural	ADJ
easat-7649	318	31	equation	equation	NOUN
easat-7649	318	32	modeling	modeling	NOUN
easat-7649	318	33	:	:	PUNCT
easat-7649	318	34	a	a	DET
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easat-7649	318	36	journal	journal	NOUN
easat-7649	318	37	,	,	PUNCT
easat-7649	318	38	vol	vol	NOUN
easat-7649	318	39	.	.	PROPN
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easat-7649	318	41	,	,	PUNCT
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easat-7649	318	43	.	.	NOUN
easat-7649	318	44	1	1	NUM
easat-7649	318	45	,	,	PUNCT
easat-7649	318	46	pp	pp	ADJ
easat-7649	318	47	.	.	PUNCT
easat-7649	319	1	1	1	NUM
easat-7649	319	2	-	-	SYM
easat-7649	319	3	55	55	NUM
easat-7649	319	4	,	,	PUNCT
easat-7649	319	5	1999	1999	NUM
easat-7649	319	6	.	.	PUNCT
easat-7649	320	1	https://doi.org/10.1080/10705519909540118	https://doi.org/10.1080/10705519909540118	X
easat-7649	321	1	[	[	X
easat-7649	321	2	26	26	NUM
easat-7649	321	3	]	]	X
easat-7649	321	4	b.	b.	PROPN
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easat-7649	321	8	"	"	PUNCT
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easat-7649	321	14	livelihood	livelihood	NOUN
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easat-7649	321	17	kaski	kaski	PROPN
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easat-7649	321	22	"	"	PUNCT
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easat-7649	321	34	,	,	PUNCT
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easat-7649	321	37	1	1	NUM
easat-7649	321	38	,	,	PUNCT
easat-7649	321	39	pp	pp	ADJ
easat-7649	321	40	.	.	PUNCT
easat-7649	322	1	81	81	NUM
easat-7649	322	2	-	-	SYM
easat-7649	322	3	95	95	NUM
easat-7649	322	4	,	,	PUNCT
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easat-7649	322	6	.	.	PUNCT
easat-7649	323	1	https://doi.org/10.3126/idjina.v2i1.55968	https://doi.org/10.3126/idjina.v2i1.55968	NUM
easat-7649	324	1	[	[	SYM
easat-7649	324	2	27	27	NUM
easat-7649	324	3	]	]	X
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easat-7649	324	11	education	education	NOUN
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easat-7649	324	14	important	important	ADJ
easat-7649	324	15	dimension	dimension	NOUN
easat-7649	324	16	of	of	ADP
easat-7649	324	17	the	the	DET
easat-7649	324	18	poverty	poverty	NOUN
easat-7649	324	19	,	,	PUNCT
easat-7649	324	20	"	"	PUNCT
easat-7649	324	21	european	european	ADJ
easat-7649	324	22	journal	journal	PROPN
easat-7649	324	23	of	of	ADP
easat-7649	324	24	multidisciplinary	multidisciplinary	ADJ
easat-7649	324	25	studies	study	NOUN
easat-7649	324	26	,	,	PUNCT
easat-7649	324	27	vol	vol	NOUN
easat-7649	324	28	.	.	PROPN
easat-7649	324	29	2	2	NUM
easat-7649	324	30	,	,	PUNCT
easat-7649	324	31	no	no	INTJ
easat-7649	324	32	.	.	NOUN
easat-7649	324	33	3	3	NUM
easat-7649	324	34	,	,	PUNCT
easat-7649	324	35	pp	pp	ADJ
easat-7649	324	36	.	.	PUNCT
easat-7649	325	1	88	88	NUM
easat-7649	325	2	-	-	SYM
easat-7649	325	3	95	95	NUM
easat-7649	325	4	,	,	PUNCT
easat-7649	325	5	2017	2017	NUM
easat-7649	325	6	.	.	PUNCT
easat-7649	326	1	https://doi.org/10.26417/ejms.v4i3.p88-95	https://doi.org/10.26417/ejms.v4i3.p88-95	ADP
easat-7649	326	2	[	[	X
easat-7649	326	3	28	28	NUM
easat-7649	326	4	]	]	X
easat-7649	326	5	m.	m.	NOUN
easat-7649	326	6	a.	a.	PROPN
easat-7649	326	7	hill	hill	PROPN
easat-7649	326	8	and	and	CCONJ
easat-7649	326	9	e.	e.	PROPN
easat-7649	326	10	king	king	PROPN
easat-7649	326	11	,	,	PUNCT
easat-7649	326	12	"	"	PUNCT
easat-7649	326	13	women	woman	NOUN
easat-7649	326	14	's	's	PART
easat-7649	326	15	education	education	NOUN
easat-7649	326	16	and	and	CCONJ
easat-7649	326	17	economic	economic	ADJ
easat-7649	326	18	well	well	ADV
easat-7649	326	19	-	-	PUNCT
easat-7649	326	20	being	being	NOUN
easat-7649	326	21	,	,	PUNCT
easat-7649	326	22	"	"	PUNCT
easat-7649	326	23	feminist	feminist	ADJ
easat-7649	326	24	economics	economic	NOUN
easat-7649	326	25	,	,	PUNCT
easat-7649	326	26	vol	vol	NOUN
easat-7649	326	27	.	.	PROPN
easat-7649	326	28	1	1	NUM
easat-7649	326	29	,	,	PUNCT
easat-7649	326	30	no	no	INTJ
easat-7649	326	31	.	.	NOUN
easat-7649	326	32	2	2	NUM
easat-7649	326	33	,	,	PUNCT
easat-7649	326	34	pp	pp	ADJ
easat-7649	326	35	.	.	PUNCT
easat-7649	327	1	21	21	NUM
easat-7649	327	2	-	-	SYM
easat-7649	327	3	46	46	NUM
easat-7649	327	4	,	,	PUNCT
easat-7649	327	5	1995	1995	NUM
easat-7649	327	6	.	.	PUNCT
easat-7649	328	1	https://doi.org/10.1080/714042230	https://doi.org/10.1080/714042230	X
easat-7649	329	1	[	[	X
easat-7649	329	2	29	29	NUM
easat-7649	329	3	]	]	PUNCT
easat-7649	329	4	a.	a.	PROPN
easat-7649	329	5	al	al	PROPN
easat-7649	329	6	-	-	PUNCT
easat-7649	329	7	mamun	mamun	PROPN
easat-7649	329	8	,	,	PUNCT
easat-7649	329	9	s.	s.	PROPN
easat-7649	329	10	a.	a.	PROPN
easat-7649	329	11	wahab	wahab	PROPN
easat-7649	329	12	,	,	PUNCT
easat-7649	329	13	m.	m.	PROPN
easat-7649	329	14	n.	n.	PROPN
easat-7649	329	15	h.	h.	PROPN
easat-7649	329	16	mazumder	mazumder	PROPN
easat-7649	329	17	,	,	PUNCT
easat-7649	329	18	and	and	CCONJ
easat-7649	329	19	z.	z.	PROPN
easat-7649	329	20	su	su	PROPN
easat-7649	329	21	,	,	PUNCT
easat-7649	329	22	"	"	PUNCT
easat-7649	329	23	empirical	empirical	ADJ
easat-7649	329	24	investigation	investigation	NOUN
easat-7649	329	25	on	on	ADP
easat-7649	329	26	the	the	DET
easat-7649	329	27	impact	impact	NOUN
easat-7649	329	28	of	of	ADP
easat-7649	329	29	microcredit	microcredit	NOUN
easat-7649	329	30	on	on	ADP
easat-7649	329	31	women	woman	NOUN
easat-7649	329	32	empowerment	empowerment	NOUN
easat-7649	329	33	in	in	ADP
easat-7649	329	34	urban	urban	ADJ
easat-7649	329	35	peninsular	peninsular	PROPN
easat-7649	329	36	malaysia	malaysia	PROPN
easat-7649	329	37	,	,	PUNCT
easat-7649	329	38	"	"	PUNCT
easat-7649	329	39	the	the	DET
easat-7649	329	40	journal	journal	NOUN
easat-7649	329	41	of	of	ADP
easat-7649	329	42	developing	develop	VERB
easat-7649	329	43	areas	area	NOUN
easat-7649	329	44	,	,	PUNCT
easat-7649	329	45	vol	vol	NOUN
easat-7649	329	46	.	.	PROPN
easat-7649	329	47	48	48	NUM
easat-7649	329	48	,	,	PUNCT
easat-7649	329	49	no	no	INTJ
easat-7649	329	50	.	.	NOUN
easat-7649	329	51	2	2	NUM
easat-7649	329	52	,	,	PUNCT
easat-7649	329	53	pp	pp	ADJ
easat-7649	329	54	.	.	PUNCT
easat-7649	330	1	287	287	NUM
easat-7649	330	2	-	-	SYM
easat-7649	330	3	306	306	NUM
easat-7649	330	4	,	,	PUNCT
easat-7649	330	5	2014	2014	NUM
easat-7649	330	6	.	.	PUNCT
easat-7649	331	1	https://doi.org/10.1353/jda.2014.0030	https://doi.org/10.1353/jda.2014.0030	NOUN
easat-7649	332	1	[	[	X
easat-7649	332	2	30	30	NUM
easat-7649	332	3	]	]	X
easat-7649	332	4	l.	l.	PROPN
easat-7649	332	5	i.	i.	PROPN
easat-7649	332	6	gracy	gracy	PROPN
easat-7649	332	7	and	and	CCONJ
easat-7649	332	8	r.	r.	PROPN
easat-7649	332	9	r.	r.	PROPN
easat-7649	332	10	devi	devi	PROPN
easat-7649	332	11	,	,	PUNCT
easat-7649	332	12	"	"	PUNCT
easat-7649	332	13	fintech	fintech	NOUN
easat-7649	332	14	:	:	PUNCT
easat-7649	332	15	transforming	transform	VERB
easat-7649	332	16	finance	finance	NOUN
easat-7649	332	17	in	in	ADP
easat-7649	332	18	the	the	DET
easat-7649	332	19	digital	digital	ADJ
easat-7649	332	20	age	age	NOUN
easat-7649	332	21	,	,	PUNCT
easat-7649	332	22	"	"	PUNCT
easat-7649	332	23	researchgate	researchgate	NOUN
easat-7649	332	24	,	,	PUNCT
easat-7649	332	25	2024	2024	NUM
easat-7649	332	26	.	.	PUNCT
easat-7649	333	1	https://doi.org/10.13140/rg.2.2.36599.23206	https://doi.org/10.13140/rg.2.2.36599.23206	NOUN
easat-7649	333	2	[	[	X
easat-7649	333	3	31	31	NUM
easat-7649	333	4	]	]	PUNCT
easat-7649	333	5	a.	a.	NOUN
easat-7649	333	6	khursheed	khursheed	PROPN
easat-7649	333	7	,	,	PUNCT
easat-7649	333	8	"	"	PUNCT
easat-7649	333	9	exploring	explore	VERB
easat-7649	333	10	the	the	DET
easat-7649	333	11	role	role	NOUN
easat-7649	333	12	of	of	ADP
easat-7649	333	13	microfinance	microfinance	NOUN
easat-7649	333	14	in	in	ADP
easat-7649	333	15	women	woman	NOUN
easat-7649	333	16	’s	’s	PART
easat-7649	333	17	empowerment	empowerment	NOUN
easat-7649	333	18	and	and	CCONJ
easat-7649	333	19	entrepreneurial	entrepreneurial	ADJ
easat-7649	333	20	development	development	NOUN
easat-7649	333	21	:	:	PUNCT
easat-7649	333	22	a	a	DET
easat-7649	333	23	qualitative	qualitative	ADJ
easat-7649	333	24	study	study	NOUN
easat-7649	333	25	,	,	PUNCT
easat-7649	333	26	"	"	PUNCT
easat-7649	333	27	future	future	ADJ
easat-7649	333	28	business	business	NOUN
easat-7649	333	29	journal	journal	NOUN
easat-7649	333	30	,	,	PUNCT
easat-7649	333	31	vol	vol	NOUN
easat-7649	333	32	.	.	PROPN
easat-7649	333	33	8	8	NUM
easat-7649	333	34	,	,	PUNCT
easat-7649	333	35	no	no	INTJ
easat-7649	333	36	.	.	NOUN
easat-7649	333	37	1	1	NUM
easat-7649	333	38	,	,	PUNCT
easat-7649	333	39	p.	p.	NOUN
easat-7649	333	40	57	57	NUM
easat-7649	333	41	,	,	PUNCT
easat-7649	333	42	2022	2022	NUM
easat-7649	333	43	.	.	PUNCT
easat-7649	334	1	https://doi.org/10.1186/s43093-022-00172-2	https://doi.org/10.1186/s43093-022-00172-2	PROPN
easat-7649	335	1	[	[	X
easat-7649	335	2	32	32	NUM
easat-7649	335	3	]	]	PUNCT
easat-7649	335	4	r.	r.	PROPN
easat-7649	335	5	b.	b.	PROPN
easat-7649	335	6	swain	swain	PROPN
easat-7649	335	7	and	and	CCONJ
easat-7649	335	8	f.	f.	PROPN
easat-7649	335	9	y.	y.	PROPN
easat-7649	335	10	wallentin	wallentin	PROPN
easat-7649	335	11	,	,	PUNCT
easat-7649	335	12	"	"	PUNCT
easat-7649	335	13	does	do	VERB
easat-7649	335	14	microfinance	microfinance	NOUN
easat-7649	335	15	empower	empower	NOUN
easat-7649	335	16	women	woman	NOUN
easat-7649	335	17	?	?	PUNCT
easat-7649	336	1	evidence	evidence	NOUN
easat-7649	336	2	from	from	ADP
easat-7649	336	3	self‐help	self‐help	NOUN
easat-7649	336	4	groups	group	NOUN
easat-7649	336	5	in	in	ADP
easat-7649	336	6	india	india	PROPN
easat-7649	336	7	,	,	PUNCT
easat-7649	336	8	"	"	PUNCT
easat-7649	336	9	international	international	ADJ
easat-7649	336	10	review	review	NOUN
easat-7649	336	11	of	of	ADP
easat-7649	336	12	applied	apply	VERB
easat-7649	336	13	economics	economic	NOUN
easat-7649	336	14	,	,	PUNCT
easat-7649	336	15	vol	vol	NOUN
easat-7649	336	16	.	.	PROPN
easat-7649	336	17	23	23	NUM
easat-7649	336	18	,	,	PUNCT
easat-7649	336	19	no	no	INTJ
easat-7649	336	20	.	.	NOUN
easat-7649	336	21	5	5	NUM
easat-7649	336	22	,	,	PUNCT
easat-7649	336	23	pp	pp	ADJ
easat-7649	336	24	.	.	PUNCT
easat-7649	337	1	541	541	NUM
easat-7649	337	2	-	-	SYM
easat-7649	337	3	556	556	NUM
easat-7649	337	4	,	,	PUNCT
easat-7649	337	5	2009	2009	NUM
easat-7649	337	6	.	.	PUNCT
easat-7649	338	1	https://doi.org/10.1080/02692170903007540	https://doi.org/10.1080/02692170903007540	X
easat-7649	339	1	[	[	X
easat-7649	339	2	33	33	NUM
easat-7649	339	3	]	]	X
easat-7649	339	4	o.	o.	PROPN
easat-7649	339	5	j.	j.	PROPN
easat-7649	339	6	akotey	akotey	PROPN
easat-7649	339	7	and	and	CCONJ
easat-7649	339	8	c.	c.	PROPN
easat-7649	339	9	adjasi	adjasi	PROPN
easat-7649	339	10	,	,	PUNCT
easat-7649	339	11	"	"	PUNCT
easat-7649	339	12	the	the	DET
easat-7649	339	13	impact	impact	NOUN
easat-7649	339	14	of	of	ADP
easat-7649	339	15	microinsurance	microinsurance	NOUN
easat-7649	339	16	on	on	ADP
easat-7649	339	17	household	household	NOUN
easat-7649	339	18	asset	asset	NOUN
easat-7649	339	19	accumulation	accumulation	NOUN
easat-7649	339	20	in	in	ADP
easat-7649	339	21	ghana	ghana	PROPN
easat-7649	339	22	:	:	PUNCT
easat-7649	339	23	an	an	DET
easat-7649	339	24	asset	asset	NOUN
easat-7649	339	25	index	index	NOUN
easat-7649	339	26	approach	approach	NOUN
easat-7649	339	27	,	,	PUNCT
easat-7649	339	28	"	"	PUNCT
easat-7649	339	29	the	the	DET
easat-7649	339	30	geneva	geneva	PROPN
easat-7649	339	31	papers	paper	NOUN
easat-7649	339	32	on	on	ADP
easat-7649	339	33	risk	risk	NOUN
easat-7649	339	34	and	and	CCONJ
easat-7649	339	35	insurance	insurance	NOUN
easat-7649	339	36	-	-	PUNCT
easat-7649	339	37	issues	issue	NOUN
easat-7649	339	38	and	and	CCONJ
easat-7649	339	39	practice	practice	NOUN
easat-7649	339	40	,	,	PUNCT
easat-7649	339	41	vol	vol	NOUN
easat-7649	339	42	.	.	PROPN
easat-7649	339	43	39	39	NUM
easat-7649	339	44	,	,	PUNCT
easat-7649	339	45	pp	pp	ADJ
easat-7649	339	46	.	.	PUNCT
easat-7649	340	1	304	304	NUM
easat-7649	340	2	-	-	SYM
easat-7649	340	3	321	321	NUM
easat-7649	340	4	,	,	PUNCT
easat-7649	340	5	2014	2014	NUM
easat-7649	340	6	.	.	PUNCT
easat-7649	341	1	https://doi.org/10.3126/jnbs.v10i1.19129	https://doi.org/10.3126/jnbs.v10i1.19129	NUM
easat-7649	341	2	https://doi.org/10.1007/s11747-014-0403-8	https://doi.org/10.1007/s11747-014-0403-8	NUM
easat-7649	341	3	https://doi.org/10.1111/j.1099-1123.2009.00403.x	https://doi.org/10.1111/j.1099-1123.2009.00403.x	NOUN
easat-7649	342	1	https://doi.org/10.2307/3151312	https://doi.org/10.2307/3151312	DET
easat-7649	342	2	https://doi.org/10.1080/10705519909540118	https://doi.org/10.1080/10705519909540118	ADJ
easat-7649	342	3	https://doi.org/10.3126/idjina.v2i1.55968	https://doi.org/10.3126/idjina.v2i1.55968	NOUN
easat-7649	342	4	https://doi.org/10.26417/ejms.v4i3.p88-95	https://doi.org/10.26417/ejms.v4i3.p88-95	NOUN
easat-7649	342	5	https://doi.org/10.1080/714042230	https://doi.org/10.1080/714042230	X
easat-7649	342	6	https://doi.org/10.1353/jda.2014.0030	https://doi.org/10.1353/jda.2014.0030	NOUN
easat-7649	342	7	https://doi.org/10.13140/rg.2.2.36599.23206	https://doi.org/10.13140/rg.2.2.36599.23206	PROPN
easat-7649	342	8	https://doi.org/10.1186/s43093-022-00172-2	https://doi.org/10.1186/s43093-022-00172-2	PROPN
easat-7649	342	9	https://doi.org/10.1080/02692170903007540	https://doi.org/10.1080/02692170903007540	PUNCT