id	sid	tid	token	lemma	pos
emaj-238	1	1	volume	volume	NOUN
emaj-238	1	2	7	7	NUM
emaj-238	1	3	no	no	DET
emaj-238	1	4	2	2	NUM
emaj-238	1	5	(	(	PUNCT
emaj-238	1	6	2018	2018	NUM
emaj-238	1	7	)	)	PUNCT
emaj-238	2	1	|	|	ADV
emaj-238	2	2	issn	issn	VERB
emaj-238	2	3	2158	2158	NUM
emaj-238	2	4	-	-	SYM
emaj-238	2	5	8708	8708	NUM
emaj-238	2	6	(	(	PUNCT
emaj-238	2	7	online	online	NOUN
emaj-238	2	8	)	)	PUNCT
emaj-238	2	9	|	|	ADV
emaj-238	2	10	doi	doi	X
emaj-238	2	11	10.5195	10.5195	NUM
emaj-238	2	12	/	/	SYM
emaj-238	2	13	emaj.2018.134	emaj.2018.134	PROPN
emaj-238	2	14	|	|	ADV
emaj-238	2	15	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-238	2	16	cultural	cultural	ADJ
emaj-238	2	17	and	and	CCONJ
emaj-238	2	18	attitudinal	attitudinal	ADJ
emaj-238	2	19	tenets	tenet	NOUN
emaj-238	2	20	of	of	ADP
emaj-238	2	21	ghanaians	ghanaians	PROPN
emaj-238	2	22	on	on	ADP
emaj-238	2	23	insurance	insurance	NOUN
emaj-238	2	24	service	service	NOUN
emaj-238	2	25	:	:	PUNCT
emaj-238	2	26	an	an	DET
emaj-238	2	27	empirical	empirical	ADJ
emaj-238	2	28	study	study	NOUN
emaj-238	2	29	francis	francis	PROPN
emaj-238	2	30	osei	osei	PROPN
emaj-238	2	31	kumasi	kumasi	PROPN
emaj-238	2	32	technical	technical	PROPN
emaj-238	2	33	university	university	PROPN
emaj-238	2	34	,	,	PUNCT
emaj-238	2	35	ghana	ghana	PROPN
emaj-238	2	36	|	|	ADV
emaj-238	2	37	e	e	NOUN
emaj-238	2	38	-	-	NOUN
emaj-238	2	39	mail	mail	NOUN
emaj-238	2	40	:	:	PUNCT
emaj-238	2	41	oseifrancis1234@gmail.com	oseifrancis1234@gmail.com	NUM
emaj-238	3	1	christian	christian	PROPN
emaj-238	3	2	narh	narh	PROPN
emaj-238	3	3	opata	opata	PROPN
emaj-238	3	4	kumasi	kumasi	PROPN
emaj-238	3	5	technical	technical	PROPN
emaj-238	3	6	university	university	PROPN
emaj-238	3	7	,	,	PUNCT
emaj-238	3	8	ghana	ghana	PROPN
emaj-238	3	9	|	|	ADV
emaj-238	3	10	e	e	NOUN
emaj-238	3	11	-	-	NOUN
emaj-238	3	12	mail	mail	NOUN
emaj-238	3	13	:	:	PUNCT
emaj-238	3	14	christian.nopata@kstu.edu.gh	christian.nopata@kstu.edu.gh	PROPN
emaj-238	3	15	collins	collins	PROPN
emaj-238	3	16	kankam	kankam	PROPN
emaj-238	3	17	-	-	PUNCT
emaj-238	3	18	kwarteng	kwarteng	PROPN
emaj-238	3	19	kumasi	kumasi	PROPN
emaj-238	3	20	technical	technical	PROPN
emaj-238	3	21	university	university	PROPN
emaj-238	3	22	,	,	PUNCT
emaj-238	3	23	ghana	ghana	PROPN
emaj-238	3	24	|	|	ADV
emaj-238	3	25	e	e	NOUN
emaj-238	3	26	-	-	NOUN
emaj-238	3	27	mail	mail	NOUN
emaj-238	3	28	:	:	PUNCT
emaj-238	3	29	colkann@gmail.com	colkann@gmail.com	X
emaj-238	3	30	daniel	daniel	PROPN
emaj-238	3	31	ofori	ofori	PROPN
emaj-238	3	32	kumasi	kumasi	PROPN
emaj-238	3	33	technical	technical	PROPN
emaj-238	3	34	university	university	PROPN
emaj-238	3	35	,	,	PUNCT
emaj-238	3	36	ghana	ghana	PROPN
emaj-238	3	37	|	|	ADV
emaj-238	3	38	e	e	NOUN
emaj-238	3	39	-	-	NOUN
emaj-238	3	40	mail	mail	NOUN
emaj-238	3	41	:	:	PUNCT
emaj-238	3	42	ofori006@yahoo.com	ofori006@yahoo.com	X
emaj-238	3	43	abstract	abstract	ADV
emaj-238	3	44	this	this	DET
emaj-238	3	45	study	study	NOUN
emaj-238	3	46	compared	compare	VERB
emaj-238	3	47	the	the	DET
emaj-238	3	48	cultural	cultural	ADJ
emaj-238	3	49	and	and	CCONJ
emaj-238	3	50	attitudinal	attitudinal	ADJ
emaj-238	3	51	tenets	tenet	NOUN
emaj-238	3	52	of	of	ADP
emaj-238	3	53	ghanaians	ghanaians	PROPN
emaj-238	3	54	towards	towards	ADP
emaj-238	3	55	insurance	insurance	NOUN
emaj-238	3	56	service	service	NOUN
emaj-238	3	57	in	in	ADP
emaj-238	3	58	the	the	DET
emaj-238	3	59	kumasi	kumasi	NOUN
emaj-238	3	60	metropolis	metropolis	NOUN
emaj-238	3	61	of	of	ADP
emaj-238	3	62	ghana	ghana	PROPN
emaj-238	3	63	.	.	PUNCT
emaj-238	4	1	the	the	DET
emaj-238	4	2	research	research	NOUN
emaj-238	4	3	utilized	utilize	VERB
emaj-238	4	4	the	the	DET
emaj-238	4	5	convenience	convenience	NOUN
emaj-238	4	6	sampling	sample	VERB
emaj-238	4	7	to	to	PART
emaj-238	4	8	gather	gather	VERB
emaj-238	4	9	data	datum	NOUN
emaj-238	4	10	from	from	ADP
emaj-238	4	11	291	291	NUM
emaj-238	4	12	respondents	respondent	NOUN
emaj-238	4	13	.	.	PUNCT
emaj-238	5	1	statistical	statistical	ADJ
emaj-238	5	2	package	package	NOUN
emaj-238	5	3	for	for	ADP
emaj-238	5	4	social	social	ADJ
emaj-238	5	5	sciences	science	NOUN
emaj-238	5	6	(	(	PUNCT
emaj-238	5	7	spss	spss	PROPN
emaj-238	5	8	)	)	PUNCT
emaj-238	5	9	was	be	AUX
emaj-238	5	10	used	use	VERB
emaj-238	5	11	and	and	CCONJ
emaj-238	5	12	the	the	DET
emaj-238	5	13	relationship	relationship	NOUN
emaj-238	5	14	between	between	ADP
emaj-238	5	15	the	the	DET
emaj-238	5	16	demographic	demographic	ADJ
emaj-238	5	17	variables	variable	NOUN
emaj-238	5	18	and	and	CCONJ
emaj-238	5	19	the	the	DET
emaj-238	5	20	actual	actual	ADJ
emaj-238	5	21	variables	variable	NOUN
emaj-238	5	22	was	be	AUX
emaj-238	5	23	examined	examine	VERB
emaj-238	5	24	.	.	PUNCT
emaj-238	6	1	structural	structural	ADJ
emaj-238	6	2	equation	equation	NOUN
emaj-238	6	3	modeling	modeling	NOUN
emaj-238	6	4	(	(	PUNCT
emaj-238	6	5	sem	sem	ADJ
emaj-238	6	6	)	)	PUNCT
emaj-238	6	7	statistical	statistical	ADJ
emaj-238	6	8	technique	technique	NOUN
emaj-238	6	9	using	use	VERB
emaj-238	6	10	smart	smart	ADJ
emaj-238	6	11	partial	partial	ADJ
emaj-238	6	12	least	least	ADJ
emaj-238	6	13	square	square	ADJ
emaj-238	6	14	(	(	PUNCT
emaj-238	6	15	pls	pls	INTJ
emaj-238	6	16	)	)	PUNCT
emaj-238	6	17	3.0	3.0	NUM
emaj-238	6	18	was	be	AUX
emaj-238	6	19	also	also	ADV
emaj-238	6	20	used	use	VERB
emaj-238	6	21	to	to	PART
emaj-238	6	22	assess	assess	VERB
emaj-238	6	23	the	the	DET
emaj-238	6	24	study	study	NOUN
emaj-238	6	25	's	's	PART
emaj-238	6	26	hypothesized	hypothesize	VERB
emaj-238	6	27	relationships	relationship	NOUN
emaj-238	6	28	.	.	PUNCT
emaj-238	7	1	it	it	PRON
emaj-238	7	2	was	be	AUX
emaj-238	7	3	observed	observe	VERB
emaj-238	7	4	that	that	SCONJ
emaj-238	7	5	a	a	DET
emaj-238	7	6	significant	significant	ADJ
emaj-238	7	7	relationship	relationship	NOUN
emaj-238	7	8	existed	exist	VERB
emaj-238	7	9	between	between	ADP
emaj-238	7	10	attitudinal	attitudinal	ADJ
emaj-238	7	11	trends	trend	NOUN
emaj-238	7	12	and	and	CCONJ
emaj-238	7	13	awareness	awareness	NOUN
emaj-238	7	14	,	,	PUNCT
emaj-238	7	15	attitudinal	attitudinal	ADJ
emaj-238	7	16	trends	trend	NOUN
emaj-238	7	17	and	and	CCONJ
emaj-238	7	18	perception	perception	NOUN
emaj-238	7	19	,	,	PUNCT
emaj-238	7	20	attitudinal	attitudinal	ADJ
emaj-238	7	21	trends	trend	NOUN
emaj-238	7	22	and	and	CCONJ
emaj-238	7	23	purchase	purchase	NOUN
emaj-238	7	24	intention	intention	NOUN
emaj-238	7	25	,	,	PUNCT
emaj-238	7	26	awareness	awareness	NOUN
emaj-238	7	27	and	and	CCONJ
emaj-238	7	28	purchase	purchase	NOUN
emaj-238	7	29	intention	intention	NOUN
emaj-238	7	30	,	,	PUNCT
emaj-238	7	31	cultural	cultural	ADJ
emaj-238	7	32	trends	trend	NOUN
emaj-238	7	33	and	and	CCONJ
emaj-238	7	34	awareness	awareness	NOUN
emaj-238	7	35	,	,	PUNCT
emaj-238	7	36	cultural	cultural	ADJ
emaj-238	7	37	trends	trend	NOUN
emaj-238	7	38	and	and	CCONJ
emaj-238	7	39	purchase	purchase	NOUN
emaj-238	7	40	intention	intention	NOUN
emaj-238	7	41	.	.	PUNCT
emaj-238	8	1	conversely	conversely	ADV
emaj-238	8	2	,	,	PUNCT
emaj-238	8	3	a	a	DET
emaj-238	8	4	significant	significant	ADJ
emaj-238	8	5	relationship	relationship	NOUN
emaj-238	8	6	did	do	AUX
emaj-238	8	7	not	not	PART
emaj-238	8	8	exist	exist	VERB
emaj-238	8	9	between	between	ADP
emaj-238	8	10	cultural	cultural	ADJ
emaj-238	8	11	trends	trend	NOUN
emaj-238	8	12	and	and	CCONJ
emaj-238	8	13	perception	perception	NOUN
emaj-238	8	14	,	,	PUNCT
emaj-238	8	15	as	as	ADV
emaj-238	8	16	well	well	ADV
emaj-238	8	17	as	as	ADP
emaj-238	8	18	perception	perception	NOUN
emaj-238	8	19	and	and	CCONJ
emaj-238	8	20	purchase	purchase	NOUN
emaj-238	8	21	intention	intention	NOUN
emaj-238	8	22	.	.	PUNCT
emaj-238	9	1	the	the	DET
emaj-238	9	2	study	study	NOUN
emaj-238	9	3	revealed	reveal	VERB
emaj-238	9	4	that	that	SCONJ
emaj-238	9	5	attitudinal	attitudinal	ADJ
emaj-238	9	6	trends	trend	NOUN
emaj-238	9	7	have	have	VERB
emaj-238	9	8	a	a	DET
emaj-238	9	9	greater	great	ADJ
emaj-238	9	10	effect	effect	NOUN
emaj-238	9	11	on	on	ADP
emaj-238	9	12	awareness	awareness	NOUN
emaj-238	9	13	,	,	PUNCT
emaj-238	9	14	perception	perception	NOUN
emaj-238	9	15	,	,	PUNCT
emaj-238	9	16	and	and	CCONJ
emaj-238	9	17	purchase	purchase	VERB
emaj-238	9	18	intention	intention	NOUN
emaj-238	9	19	than	than	ADP
emaj-238	9	20	cultural	cultural	ADJ
emaj-238	9	21	trends	trend	NOUN
emaj-238	9	22	,	,	PUNCT
emaj-238	9	23	while	while	SCONJ
emaj-238	9	24	awareness	awareness	NOUN
emaj-238	9	25	has	have	VERB
emaj-238	9	26	the	the	DET
emaj-238	9	27	strongest	strong	ADJ
emaj-238	9	28	relationship	relationship	NOUN
emaj-238	9	29	with	with	ADP
emaj-238	9	30	purchase	purchase	NOUN
emaj-238	9	31	intention	intention	NOUN
emaj-238	9	32	but	but	CCONJ
emaj-238	9	33	perception	perception	NOUN
emaj-238	9	34	has	have	VERB
emaj-238	9	35	the	the	DET
emaj-238	9	36	weakest	weak	ADJ
emaj-238	9	37	relationship	relationship	NOUN
emaj-238	9	38	with	with	ADP
emaj-238	9	39	purchase	purchase	NOUN
emaj-238	9	40	intention	intention	NOUN
emaj-238	9	41	.	.	PUNCT
emaj-238	10	1	these	these	DET
emaj-238	10	2	findings	finding	NOUN
emaj-238	10	3	may	may	AUX
emaj-238	10	4	help	help	VERB
emaj-238	10	5	to	to	PART
emaj-238	10	6	bring	bring	VERB
emaj-238	10	7	about	about	ADP
emaj-238	10	8	social	social	ADJ
emaj-238	10	9	change	change	NOUN
emaj-238	10	10	by	by	ADP
emaj-238	10	11	raising	raise	VERB
emaj-238	10	12	awareness	awareness	NOUN
emaj-238	10	13	of	of	ADP
emaj-238	10	14	the	the	DET
emaj-238	10	15	importance	importance	NOUN
emaj-238	10	16	of	of	ADP
emaj-238	10	17	life	life	NOUN
emaj-238	10	18	insurance	insurance	NOUN
emaj-238	10	19	in	in	ADP
emaj-238	10	20	the	the	DET
emaj-238	10	21	socioeconomic	socioeconomic	ADJ
emaj-238	10	22	development	development	NOUN
emaj-238	10	23	of	of	ADP
emaj-238	10	24	individuals	individual	NOUN
emaj-238	10	25	,	,	PUNCT
emaj-238	10	26	families	family	NOUN
emaj-238	10	27	,	,	PUNCT
emaj-238	10	28	organizations	organization	NOUN
emaj-238	10	29	,	,	PUNCT
emaj-238	10	30	and	and	CCONJ
emaj-238	10	31	communities	community	NOUN
emaj-238	10	32	,	,	PUNCT
emaj-238	10	33	resulting	result	VERB
emaj-238	10	34	in	in	ADP
emaj-238	10	35	insurance	insurance	NOUN
emaj-238	10	36	coverage	coverage	NOUN
emaj-238	10	37	and	and	CCONJ
emaj-238	10	38	the	the	DET
emaj-238	10	39	reduction	reduction	NOUN
emaj-238	10	40	of	of	ADP
emaj-238	10	41	poverty	poverty	NOUN
emaj-238	10	42	in	in	ADP
emaj-238	10	43	ghana	ghana	PROPN
emaj-238	10	44	.	.	PUNCT
emaj-238	11	1	insurance	insurance	NOUN
emaj-238	11	2	practitioners	practitioner	NOUN
emaj-238	11	3	who	who	PRON
emaj-238	11	4	want	want	VERB
emaj-238	11	5	to	to	PART
emaj-238	11	6	increase	increase	VERB
emaj-238	11	7	insurance	insurance	NOUN
emaj-238	11	8	penetration	penetration	NOUN
emaj-238	11	9	for	for	ADP
emaj-238	11	10	business	business	NOUN
emaj-238	11	11	and	and	CCONJ
emaj-238	11	12	sustainability	sustainability	NOUN
emaj-238	11	13	can	can	AUX
emaj-238	11	14	find	find	VERB
emaj-238	11	15	the	the	DET
emaj-238	11	16	study	study	NOUN
emaj-238	11	17	useful	useful	ADJ
emaj-238	11	18	.	.	PUNCT
emaj-238	12	1	keywords	keyword	NOUN
emaj-238	12	2	:	:	PUNCT
emaj-238	12	3	attitudinal	attitudinal	ADJ
emaj-238	12	4	trends	trend	NOUN
emaj-238	12	5	,	,	PUNCT
emaj-238	12	6	cultural	cultural	ADJ
emaj-238	12	7	trends	trend	NOUN
emaj-238	12	8	,	,	PUNCT
emaj-238	12	9	awareness	awareness	NOUN
emaj-238	12	10	,	,	PUNCT
emaj-238	12	11	perception	perception	NOUN
emaj-238	12	12	,	,	PUNCT
emaj-238	12	13	purchase	purchase	NOUN
emaj-238	12	14	intention	intention	NOUN
emaj-238	12	15	new	new	ADJ
emaj-238	12	16	articles	article	NOUN
emaj-238	12	17	in	in	ADP
emaj-238	12	18	this	this	DET
emaj-238	12	19	journal	journal	NOUN
emaj-238	12	20	are	be	AUX
emaj-238	12	21	licensed	license	VERB
emaj-238	12	22	under	under	ADP
emaj-238	12	23	a	a	DET
emaj-238	12	24	creative	creative	ADJ
emaj-238	12	25	commons	common	NOUN
emaj-238	12	26	attribution	attribution	NOUN
emaj-238	12	27	3.0	3.0	NUM
emaj-238	12	28	united	unite	VERB
emaj-238	12	29	states	states	PROPN
emaj-238	12	30	license	license	NOUN
emaj-238	12	31	.	.	PUNCT
emaj-238	13	1	this	this	DET
emaj-238	13	2	journal	journal	NOUN
emaj-238	13	3	is	be	AUX
emaj-238	13	4	published	publish	VERB
emaj-238	13	5	by	by	ADP
emaj-238	13	6	the	the	DET
emaj-238	13	7	university	university	NOUN
emaj-238	13	8	library	library	NOUN
emaj-238	13	9	system	system	NOUN
emaj-238	13	10	of	of	ADP
emaj-238	13	11	the	the	DET
emaj-238	13	12	university	university	PROPN
emaj-238	13	13	of	of	ADP
emaj-238	13	14	pittsburgh	pittsburgh	PROPN
emaj-238	13	15	as	as	ADP
emaj-238	13	16	part	part	NOUN
emaj-238	13	17	of	of	ADP
emaj-238	13	18	its	its	PRON
emaj-238	13	19	d	d	NOUN
emaj-238	13	20	-	-	PUNCT
emaj-238	13	21	scribe	scribe	VERB
emaj-238	13	22	digital	digital	ADJ
emaj-238	13	23	publishing	publishing	NOUN
emaj-238	13	24	program	program	NOUN
emaj-238	13	25	,	,	PUNCT
emaj-238	13	26	and	and	CCONJ
emaj-238	13	27	is	be	AUX
emaj-238	13	28	cosponsored	cosponsor	VERB
emaj-238	13	29	by	by	ADP
emaj-238	13	30	the	the	DET
emaj-238	13	31	university	university	PROPN
emaj-238	13	32	of	of	ADP
emaj-238	13	33	pittsburgh	pittsburgh	PROPN
emaj-238	13	34	press	press	NOUN
emaj-238	13	35	.	.	PUNCT
emaj-238	14	1	volume	volume	NOUN
emaj-238	14	2	12	12	NUM
emaj-238	14	3	no	no	DET
emaj-238	14	4	1	1	NUM
emaj-238	14	5	(	(	PUNCT
emaj-238	14	6	2022	2022	NUM
emaj-238	14	7	)	)	PUNCT
emaj-238	14	8	|	|	ADV
emaj-238	14	9	issn	issn	VERB
emaj-238	14	10	2158	2158	NUM
emaj-238	14	11	-	-	SYM
emaj-238	14	12	8708	8708	NUM
emaj-238	14	13	(	(	PUNCT
emaj-238	14	14	online	online	NOUN
emaj-238	14	15	)	)	PUNCT
emaj-238	14	16	|	|	ADV
emaj-238	14	17	doi	doi	X
emaj-238	14	18	10.5195	10.5195	NUM
emaj-238	14	19	/	/	SYM
emaj-238	14	20	emaj.2022.238	emaj.2022.238	NOUN
emaj-238	15	1	|	|	NOUN
emaj-238	15	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-238	15	3	|	|	ADV
emaj-238	16	1	mailto:oseifrancis1234@gmail.com	mailto:oseifrancis1234@gmail.com	PROPN
emaj-238	16	2	mailto:christian.nopata@kstu.edu.gh	mailto:christian.nopata@kstu.edu.gh	PROPN
emaj-238	16	3	mailto:colkann@gmail.com	mailto:colkann@gmail.com	NOUN
emaj-238	16	4	mailto:ofori006@yahoo.com	mailto:ofori006@yahoo.com	X
emaj-238	16	5	http://www.library.pitt.edu/	http://www.library.pitt.edu/	PROPN
emaj-238	16	6	http://www.pitt.edu/	http://www.pitt.edu/	NOUN
emaj-238	16	7	http://www.library.pitt.edu/articles/digpubtype/index.html	http://www.library.pitt.edu/articles/digpubtype/index.html	X
emaj-238	16	8	http://www.upress.pitt.edu/upressindex.aspx	http://www.upress.pitt.edu/upressindex.aspx	NUM
emaj-238	16	9	http://creativecommons.org/licenses/by/3.0/us/	http://creativecommons.org/licenses/by/3.0/us/	NOUN
emaj-238	16	10	volume	volume	NOUN
emaj-238	16	11	12	12	NUM
emaj-238	16	12	no	no	DET
emaj-238	16	13	1	1	NUM
emaj-238	16	14	(	(	PUNCT
emaj-238	16	15	2022	2022	NUM
emaj-238	16	16	)	)	PUNCT
emaj-238	16	17	|	|	ADV
emaj-238	16	18	issn	issn	VERB
emaj-238	16	19	2158	2158	NUM
emaj-238	16	20	-	-	SYM
emaj-238	16	21	8708	8708	NUM
emaj-238	16	22	(	(	PUNCT
emaj-238	16	23	online	online	NOUN
emaj-238	16	24	)	)	PUNCT
emaj-238	16	25	|	|	ADV
emaj-238	16	26	doi	doi	X
emaj-238	16	27	10.5195	10.5195	NUM
emaj-238	16	28	/	/	SYM
emaj-238	16	29	emaj.2022.238	emaj.2022.238	NOUN
emaj-238	17	1	|	|	NOUN
emaj-238	17	2	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-238	17	3	cultural	cultural	ADJ
emaj-238	17	4	and	and	CCONJ
emaj-238	17	5	attitudinal	attitudinal	ADJ
emaj-238	17	6	tenets	tenet	NOUN
emaj-238	17	7	of	of	ADP
emaj-238	17	8	ghanaians	ghanaians	PROPN
emaj-238	17	9	on	on	ADP
emaj-238	17	10	insurance	insurance	NOUN
emaj-238	17	11	service	service	NOUN
emaj-238	17	12	:	:	PUNCT
emaj-238	17	13	an	an	DET
emaj-238	17	14	empirical	empirical	ADJ
emaj-238	17	15	study	study	NOUN
emaj-238	17	16	page	page	NOUN
emaj-238	17	17	|14|	|14|	NOUN
emaj-238	17	18	emerging	emerge	VERB
emaj-238	17	19	markets	market	NOUN
emaj-238	17	20	journal	journal	NOUN
emaj-238	17	21	cultural	cultural	ADJ
emaj-238	17	22	and	and	CCONJ
emaj-238	17	23	attitudinal	attitudinal	ADJ
emaj-238	17	24	tenets	tenet	NOUN
emaj-238	17	25	of	of	ADP
emaj-238	17	26	ghanaians	ghanaians	PROPN
emaj-238	17	27	on	on	ADP
emaj-238	17	28	insurance	insurance	NOUN
emaj-238	17	29	service	service	NOUN
emaj-238	17	30	:	:	PUNCT
emaj-238	17	31	an	an	DET
emaj-238	17	32	empirical	empirical	ADJ
emaj-238	17	33	study	study	NOUN
emaj-238	17	34	francis	francis	PROPN
emaj-238	17	35	osei	osei	PROPN
emaj-238	17	36	christian	christian	PROPN
emaj-238	17	37	narh	narh	PROPN
emaj-238	17	38	opata	opata	PROPN
emaj-238	17	39	collins	collins	PROPN
emaj-238	17	40	kankam	kankam	PROPN
emaj-238	17	41	-	-	PUNCT
emaj-238	17	42	kwarteng	kwarteng	PROPN
emaj-238	17	43	daniel	daniel	PROPN
emaj-238	17	44	ofori	ofori	PROPN
emaj-238	17	45	i.	i.	PROPN
emaj-238	17	46	introduction	introduction	NOUN
emaj-238	17	47	a	a	DET
emaj-238	17	48	number	number	NOUN
emaj-238	17	49	of	of	ADP
emaj-238	17	50	recent	recent	ADJ
emaj-238	17	51	studies	study	NOUN
emaj-238	17	52	such	such	ADJ
emaj-238	17	53	as	as	ADP
emaj-238	17	54	akay	akay	PROPN
emaj-238	17	55	,	,	PUNCT
emaj-238	17	56	martinsson	martinsson	NOUN
emaj-238	17	57	,	,	PUNCT
emaj-238	17	58	hogarth	hogarth	NOUN
emaj-238	17	59	and	and	CCONJ
emaj-238	17	60	kunreuther	kunreuther	PROPN
emaj-238	17	61	(	(	PUNCT
emaj-238	17	62	1985	1985	NUM
emaj-238	17	63	)	)	PUNCT
emaj-238	17	64	,	,	PUNCT
emaj-238	17	65	medhin	medhin	PROPN
emaj-238	17	66	,	,	PUNCT
emaj-238	17	67	and	and	CCONJ
emaj-238	17	68	trauman	trauman	NOUN
emaj-238	17	69	(	(	PUNCT
emaj-238	17	70	2009	2009	NUM
emaj-238	17	71	)	)	PUNCT
emaj-238	17	72	,	,	PUNCT
emaj-238	17	73	ackah	ackah	PROPN
emaj-238	17	74	and	and	CCONJ
emaj-238	17	75	owusu	owusu	PROPN
emaj-238	17	76	(	(	PUNCT
emaj-238	17	77	2012	2012	NUM
emaj-238	17	78	)	)	PUNCT
emaj-238	17	79	,	,	PUNCT
emaj-238	17	80	abdullahi	abdullahi	PROPN
emaj-238	17	81	(	(	PUNCT
emaj-238	17	82	2012	2012	NUM
emaj-238	17	83	)	)	PUNCT
emaj-238	17	84	,	,	PUNCT
emaj-238	17	85	stevens	stevens	PROPN
emaj-238	17	86	-	-	PUNCT
emaj-238	17	87	benefo	benefo	PROPN
emaj-238	17	88	(	(	PUNCT
emaj-238	17	89	2015	2015	NUM
emaj-238	17	90	)	)	PUNCT
emaj-238	17	91	and	and	CCONJ
emaj-238	17	92	balmalssaka	balmalssaka	PROPN
emaj-238	17	93	,	,	PUNCT
emaj-238	17	94	wumbei	wumbei	NOUN
emaj-238	17	95	,	,	PUNCT
emaj-238	17	96	buckner	buckner	PROPN
emaj-238	17	97	and	and	CCONJ
emaj-238	17	98	nartey	nartey	ADJ
emaj-238	17	99	(	(	PUNCT
emaj-238	17	100	2016	2016	NUM
emaj-238	17	101	)	)	PUNCT
emaj-238	17	102	on	on	ADP
emaj-238	17	103	the	the	DET
emaj-238	17	104	cultural	cultural	ADJ
emaj-238	17	105	and	and	CCONJ
emaj-238	17	106	attitudinal	attitudinal	ADJ
emaj-238	17	107	tenets	tenet	NOUN
emaj-238	17	108	of	of	ADP
emaj-238	17	109	ghanaians	ghanaians	PROPN
emaj-238	17	110	towards	towards	ADP
emaj-238	17	111	insurance	insurance	NOUN
emaj-238	17	112	service	service	NOUN
emaj-238	17	113	have	have	AUX
emaj-238	17	114	been	be	AUX
emaj-238	17	115	run	run	VERB
emaj-238	17	116	.	.	PUNCT
emaj-238	18	1	however	however	ADV
emaj-238	18	2	,	,	PUNCT
emaj-238	18	3	a	a	DET
emaj-238	18	4	review	review	NOUN
emaj-238	18	5	of	of	ADP
emaj-238	18	6	the	the	DET
emaj-238	18	7	literature	literature	NOUN
emaj-238	18	8	shows	show	VERB
emaj-238	18	9	that	that	SCONJ
emaj-238	18	10	the	the	DET
emaj-238	18	11	insurance	insurance	NOUN
emaj-238	18	12	business	business	NOUN
emaj-238	18	13	growth	growth	NOUN
emaj-238	18	14	rate	rate	NOUN
emaj-238	18	15	in	in	ADP
emaj-238	18	16	ghana	ghana	PROPN
emaj-238	18	17	is	be	AUX
emaj-238	18	18	very	very	ADV
emaj-238	18	19	high	high	ADJ
emaj-238	18	20	(	(	PUNCT
emaj-238	18	21	nartey	nartey	NOUN
emaj-238	18	22	and	and	CCONJ
emaj-238	18	23	yudina	yudina	NOUN
emaj-238	18	24	,	,	PUNCT
emaj-238	18	25	2020	2020	NUM
emaj-238	18	26	)	)	PUNCT
emaj-238	18	27	.	.	PUNCT
emaj-238	19	1	on	on	ADP
emaj-238	19	2	the	the	DET
emaj-238	19	3	other	other	ADJ
emaj-238	19	4	hand	hand	NOUN
emaj-238	19	5	,	,	PUNCT
emaj-238	19	6	the	the	DET
emaj-238	19	7	relatively	relatively	ADV
emaj-238	19	8	low	low	ADJ
emaj-238	19	9	penetration	penetration	NOUN
emaj-238	19	10	rate	rate	NOUN
emaj-238	19	11	of	of	ADP
emaj-238	19	12	the	the	DET
emaj-238	19	13	industry	industry	NOUN
emaj-238	19	14	(	(	PUNCT
emaj-238	19	15	nic	nic	PROPN
emaj-238	19	16	,	,	PUNCT
emaj-238	19	17	2019	2019	NUM
emaj-238	19	18	)	)	PUNCT
emaj-238	19	19	indicates	indicate	VERB
emaj-238	19	20	that	that	SCONJ
emaj-238	19	21	there	there	PRON
emaj-238	19	22	is	be	VERB
emaj-238	19	23	still	still	ADV
emaj-238	19	24	considerable	considerable	ADJ
emaj-238	19	25	untapped	untapped	ADJ
emaj-238	19	26	potential	potential	NOUN
emaj-238	19	27	.	.	PUNCT
emaj-238	20	1	balmalssaka	balmalssaka	PROPN
emaj-238	20	2	,	,	PUNCT
emaj-238	20	3	wumbei	wumbei	PROPN
emaj-238	20	4	,	,	PUNCT
emaj-238	20	5	buckner	buckner	PROPN
emaj-238	20	6	,	,	PUNCT
emaj-238	20	7	and	and	CCONJ
emaj-238	20	8	nartey	nartey	ADJ
emaj-238	20	9	(	(	PUNCT
emaj-238	20	10	2016	2016	NUM
emaj-238	20	11	)	)	PUNCT
emaj-238	20	12	found	find	VERB
emaj-238	20	13	that	that	SCONJ
emaj-238	20	14	when	when	SCONJ
emaj-238	20	15	looking	look	VERB
emaj-238	20	16	for	for	ADP
emaj-238	20	17	the	the	DET
emaj-238	20	18	determinants	determinant	NOUN
emaj-238	20	19	of	of	ADP
emaj-238	20	20	insurance	insurance	NOUN
emaj-238	20	21	demand	demand	NOUN
emaj-238	20	22	,	,	PUNCT
emaj-238	20	23	past	past	ADJ
emaj-238	20	24	experience	experience	NOUN
emaj-238	20	25	with	with	ADP
emaj-238	20	26	other	other	ADJ
emaj-238	20	27	insurances	insurance	NOUN
emaj-238	20	28	and	and	CCONJ
emaj-238	20	29	the	the	DET
emaj-238	20	30	degree	degree	NOUN
emaj-238	20	31	of	of	ADP
emaj-238	20	32	harm	harm	NOUN
emaj-238	20	33	caused	cause	VERB
emaj-238	20	34	by	by	ADP
emaj-238	20	35	it	it	PRON
emaj-238	20	36	constituted	constitute	VERB
emaj-238	20	37	the	the	DET
emaj-238	20	38	prerequisite	prerequisite	NOUN
emaj-238	20	39	for	for	ADP
emaj-238	20	40	deciding	decide	VERB
emaj-238	20	41	to	to	PART
emaj-238	20	42	only	only	ADV
emaj-238	20	43	accept	accept	VERB
emaj-238	20	44	insurance	insurance	NOUN
emaj-238	20	45	services	service	NOUN
emaj-238	20	46	in	in	ADP
emaj-238	20	47	northern	northern	ADJ
emaj-238	20	48	ghana	ghana	PROPN
emaj-238	20	49	.	.	PUNCT
emaj-238	21	1	daniel	daniel	PROPN
emaj-238	21	2	(	(	PUNCT
emaj-238	21	3	2015	2015	NUM
emaj-238	21	4	)	)	PUNCT
emaj-238	21	5	found	find	VERB
emaj-238	21	6	that	that	SCONJ
emaj-238	21	7	age	age	NOUN
emaj-238	21	8	,	,	PUNCT
emaj-238	21	9	income	income	NOUN
emaj-238	21	10	,	,	PUNCT
emaj-238	21	11	employment	employment	NOUN
emaj-238	21	12	,	,	PUNCT
emaj-238	21	13	and	and	CCONJ
emaj-238	21	14	education	education	NOUN
emaj-238	21	15	level	level	NOUN
emaj-238	21	16	have	have	VERB
emaj-238	21	17	a	a	DET
emaj-238	21	18	significant	significant	ADJ
emaj-238	21	19	impact	impact	NOUN
emaj-238	21	20	on	on	ADP
emaj-238	21	21	the	the	DET
emaj-238	21	22	acceptance	acceptance	NOUN
emaj-238	21	23	of	of	ADP
emaj-238	21	24	insurance	insurance	NOUN
emaj-238	21	25	policies	policy	NOUN
emaj-238	21	26	.	.	PUNCT
emaj-238	22	1	ackah	ackah	PROPN
emaj-238	22	2	and	and	CCONJ
emaj-238	22	3	owusu	owusu	PROPN
emaj-238	22	4	(	(	PUNCT
emaj-238	22	5	2012	2012	NUM
emaj-238	22	6	)	)	PUNCT
emaj-238	22	7	in	in	ADP
emaj-238	22	8	ghana	ghana	PROPN
emaj-238	22	9	believe	believe	VERB
emaj-238	22	10	that	that	SCONJ
emaj-238	22	11	people	people	NOUN
emaj-238	22	12	’s	’s	PART
emaj-238	22	13	low	low	ADJ
emaj-238	22	14	income	income	NOUN
emaj-238	22	15	levels	level	NOUN
emaj-238	22	16	cause	cause	VERB
emaj-238	22	17	them	they	PRON
emaj-238	22	18	to	to	PART
emaj-238	22	19	give	give	VERB
emaj-238	22	20	up	up	ADP
emaj-238	22	21	their	their	PRON
emaj-238	22	22	knowledge	knowledge	NOUN
emaj-238	22	23	and	and	CCONJ
emaj-238	22	24	understanding	understanding	NOUN
emaj-238	22	25	of	of	ADP
emaj-238	22	26	insurance	insurance	NOUN
emaj-238	22	27	services	service	NOUN
emaj-238	22	28	.	.	PUNCT
emaj-238	23	1	this	this	PRON
emaj-238	23	2	eventually	eventually	ADV
emaj-238	23	3	forms	form	VERB
emaj-238	23	4	a	a	DET
emaj-238	23	5	negative	negative	ADJ
emaj-238	23	6	attitude	attitude	NOUN
emaj-238	23	7	,	,	PUNCT
emaj-238	23	8	believing	believe	VERB
emaj-238	23	9	that	that	SCONJ
emaj-238	23	10	the	the	DET
emaj-238	23	11	insurance	insurance	NOUN
emaj-238	23	12	company	company	NOUN
emaj-238	23	13	may	may	AUX
emaj-238	23	14	not	not	PART
emaj-238	23	15	fulfill	fulfill	VERB
emaj-238	23	16	its	its	PRON
emaj-238	23	17	promise	promise	NOUN
emaj-238	23	18	of	of	ADP
emaj-238	23	19	compensation	compensation	NOUN
emaj-238	23	20	.	.	PUNCT
emaj-238	24	1	on	on	ADP
emaj-238	24	2	the	the	DET
emaj-238	24	3	other	other	ADJ
emaj-238	24	4	hand	hand	NOUN
emaj-238	24	5	,	,	PUNCT
emaj-238	24	6	perception	perception	NOUN
emaj-238	24	7	,	,	PUNCT
emaj-238	24	8	awareness	awareness	NOUN
emaj-238	24	9	,	,	PUNCT
emaj-238	24	10	attitude	attitude	NOUN
emaj-238	24	11	,	,	PUNCT
emaj-238	24	12	and	and	CCONJ
emaj-238	24	13	knowledge	knowledge	NOUN
emaj-238	24	14	of	of	ADP
emaj-238	24	15	the	the	DET
emaj-238	24	16	services	service	NOUN
emaj-238	24	17	itself	itself	PRON
emaj-238	24	18	determine	determine	VERB
emaj-238	24	19	acceptance	acceptance	NOUN
emaj-238	24	20	of	of	ADP
emaj-238	24	21	islamic	islamic	ADJ
emaj-238	24	22	insurance	insurance	NOUN
emaj-238	24	23	(	(	PUNCT
emaj-238	24	24	takaful	takaful	ADJ
emaj-238	24	25	)	)	PUNCT
emaj-238	24	26	in	in	ADP
emaj-238	24	27	somalia	somalia	PROPN
emaj-238	24	28	(	(	PUNCT
emaj-238	24	29	jama	jama	NOUN
emaj-238	24	30	,	,	PUNCT
emaj-238	24	31	2016	2016	NUM
emaj-238	24	32	)	)	PUNCT
emaj-238	24	33	,	,	PUNCT
emaj-238	24	34	whereas	whereas	SCONJ
emaj-238	24	35	awareness	awareness	NOUN
emaj-238	24	36	,	,	PUNCT
emaj-238	24	37	perception	perception	NOUN
emaj-238	24	38	,	,	PUNCT
emaj-238	24	39	trust	trust	NOUN
emaj-238	24	40	,	,	PUNCT
emaj-238	24	41	and	and	CCONJ
emaj-238	24	42	confidence	confidence	NOUN
emaj-238	24	43	are	be	AUX
emaj-238	24	44	the	the	DET
emaj-238	24	45	primary	primary	ADJ
emaj-238	24	46	determinants	determinant	NOUN
emaj-238	24	47	in	in	ADP
emaj-238	24	48	kano	kano	PROPN
emaj-238	24	49	metropolitan	metropolitan	PROPN
emaj-238	24	50	(	(	PUNCT
emaj-238	24	51	maiyaki	maiyaki	PROPN
emaj-238	24	52	and	and	CCONJ
emaj-238	24	53	ayuba	ayuba	PROPN
emaj-238	24	54	,	,	PUNCT
emaj-238	24	55	2016	2016	NUM
emaj-238	24	56	)	)	PUNCT
emaj-238	24	57	.	.	PUNCT
emaj-238	25	1	in	in	ADP
emaj-238	25	2	another	another	DET
emaj-238	25	3	study	study	NOUN
emaj-238	25	4	,	,	PUNCT
emaj-238	25	5	mansor	mansor	PROPN
emaj-238	25	6	,	,	PUNCT
emaj-238	25	7	masduki	masduki	PROPN
emaj-238	25	8	,	,	PUNCT
emaj-238	25	9	mohammad	mohammad	PROPN
emaj-238	25	10	,	,	PUNCT
emaj-238	25	11	zulkarnain	zulkarnain	NUM
emaj-238	25	12	,	,	PUNCT
emaj-238	25	13	and	and	CCONJ
emaj-238	25	14	aziz	aziz	PROPN
emaj-238	25	15	(	(	PUNCT
emaj-238	25	16	2015	2015	NUM
emaj-238	25	17	)	)	PUNCT
emaj-238	25	18	discovered	discover	VERB
emaj-238	25	19	that	that	SCONJ
emaj-238	25	20	only	only	ADV
emaj-238	25	21	perception	perception	NOUN
emaj-238	25	22	and	and	CCONJ
emaj-238	25	23	religion	religion	NOUN
emaj-238	25	24	have	have	VERB
emaj-238	25	25	an	an	DET
emaj-238	25	26	impact	impact	NOUN
emaj-238	25	27	on	on	ADP
emaj-238	25	28	muslim	muslim	ADJ
emaj-238	25	29	consumers	consumer	NOUN
emaj-238	25	30	'	'	PART
emaj-238	25	31	preferences	preference	NOUN
emaj-238	25	32	for	for	ADP
emaj-238	25	33	takaful	takaful	ADJ
emaj-238	25	34	products	product	NOUN
emaj-238	25	35	in	in	ADP
emaj-238	25	36	malaysia	malaysia	PROPN
emaj-238	25	37	,	,	PUNCT
emaj-238	25	38	and	and	CCONJ
emaj-238	25	39	that	that	SCONJ
emaj-238	25	40	the	the	DET
emaj-238	25	41	lack	lack	NOUN
emaj-238	25	42	of	of	ADP
emaj-238	25	43	a	a	DET
emaj-238	25	44	social	social	ADJ
emaj-238	25	45	security	security	NOUN
emaj-238	25	46	system	system	NOUN
emaj-238	25	47	is	be	AUX
emaj-238	25	48	increasing	increase	VERB
emaj-238	25	49	nigerians	nigerian	NOUN
emaj-238	25	50	'	'	PART
emaj-238	25	51	awareness	awareness	NOUN
emaj-238	25	52	and	and	CCONJ
emaj-238	25	53	consciousness	consciousness	NOUN
emaj-238	25	54	about	about	ADP
emaj-238	25	55	insurance	insurance	NOUN
emaj-238	25	56	(	(	PUNCT
emaj-238	25	57	oluyemi	oluyemi	ADV
emaj-238	25	58	,	,	PUNCT
emaj-238	25	59	1995	1995	NUM
emaj-238	25	60	)	)	PUNCT
emaj-238	25	61	.	.	PUNCT
emaj-238	26	1	also	also	ADV
emaj-238	26	2	,	,	PUNCT
emaj-238	26	3	concerning	concern	VERB
emaj-238	26	4	the	the	DET
emaj-238	26	5	general	general	ADJ
emaj-238	26	6	insurance	insurance	NOUN
emaj-238	26	7	in	in	ADP
emaj-238	26	8	northern	northern	PROPN
emaj-238	26	9	nigeria	nigeria	PROPN
emaj-238	26	10	,	,	PUNCT
emaj-238	26	11	abdullahi	abdullahi	PROPN
emaj-238	26	12	found	find	VERB
emaj-238	26	13	that	that	SCONJ
emaj-238	26	14	the	the	DET
emaj-238	26	15	majority	majority	NOUN
emaj-238	26	16	of	of	ADP
emaj-238	26	17	individuals	individual	NOUN
emaj-238	26	18	in	in	ADP
emaj-238	26	19	northern	northern	PROPN
emaj-238	26	20	nigeria	nigeria	PROPN
emaj-238	26	21	do	do	AUX
emaj-238	26	22	n't	not	PART
emaj-238	26	23	consider	consider	VERB
emaj-238	26	24	insurance	insurance	NOUN
emaj-238	26	25	,	,	PUNCT
emaj-238	26	26	its	its	PRON
emaj-238	26	27	ability	ability	NOUN
emaj-238	26	28	to	to	PART
emaj-238	26	29	indemnify	indemnify	VERB
emaj-238	26	30	clients	client	NOUN
emaj-238	26	31	,	,	PUNCT
emaj-238	26	32	and	and	CCONJ
emaj-238	26	33	its	its	PRON
emaj-238	26	34	stand	stand	NOUN
emaj-238	26	35	from	from	ADP
emaj-238	26	36	sociocultural	sociocultural	ADJ
emaj-238	26	37	and	and	CCONJ
emaj-238	26	38	non	non	ADJ
emaj-238	26	39	-	-	ADJ
emaj-238	26	40	secular	secular	ADJ
emaj-238	26	41	perspective	perspective	NOUN
emaj-238	26	42	(	(	PUNCT
emaj-238	26	43	abdullahi	abdullahi	PROPN
emaj-238	26	44	,	,	PUNCT
emaj-238	26	45	2012	2012	NUM
emaj-238	26	46	)	)	PUNCT
emaj-238	26	47	.	.	PUNCT
emaj-238	27	1	while	while	SCONJ
emaj-238	27	2	it	it	PRON
emaj-238	27	3	is	be	AUX
emaj-238	27	4	suggested	suggest	VERB
emaj-238	27	5	that	that	SCONJ
emaj-238	27	6	perception	perception	NOUN
emaj-238	27	7	and	and	CCONJ
emaj-238	27	8	attitudes	attitude	NOUN
emaj-238	27	9	of	of	ADP
emaj-238	27	10	individuals	individual	NOUN
emaj-238	27	11	should	should	AUX
emaj-238	27	12	be	be	AUX
emaj-238	27	13	incorporated	incorporate	VERB
emaj-238	27	14	in	in	ADP
emaj-238	27	15	designing	design	VERB
emaj-238	27	16	effective	effective	ADJ
emaj-238	27	17	insurance	insurance	NOUN
emaj-238	27	18	go	go	VERB
emaj-238	27	19	for	for	ADP
emaj-238	27	20	tanzania	tanzania	PROPN
emaj-238	27	21	.	.	PUNCT
emaj-238	28	1	according	accord	VERB
emaj-238	28	2	to	to	ADP
emaj-238	28	3	akay	akay	PROPN
emaj-238	28	4	,	,	PUNCT
emaj-238	28	5	martinsson	martinsson	PROPN
emaj-238	28	6	,	,	PUNCT
emaj-238	28	7	medhin	medhin	NOUN
emaj-238	28	8	,	,	PUNCT
emaj-238	28	9	and	and	CCONJ
emaj-238	28	10	trauman	trauman	NOUN
emaj-238	28	11	,	,	PUNCT
emaj-238	28	12	(	(	PUNCT
emaj-238	28	13	2009	2009	NUM
emaj-238	28	14	)	)	PUNCT
emaj-238	28	15	and	and	CCONJ
emaj-238	28	16	cabantous	cabantous	ADJ
emaj-238	28	17	,	,	PUNCT
emaj-238	28	18	(	(	PUNCT
emaj-238	28	19	2007	2007	NUM
emaj-238	28	20	)	)	PUNCT
emaj-238	28	21	,	,	PUNCT
emaj-238	28	22	the	the	DET
emaj-238	28	23	main	main	ADJ
emaj-238	28	24	reason	reason	NOUN
emaj-238	28	25	ethiopians	ethiopians	PROPN
emaj-238	28	26	can	can	AUX
emaj-238	28	27	not	not	PART
emaj-238	28	28	fully	fully	ADV
emaj-238	28	29	accept	accept	VERB
emaj-238	28	30	to	to	PART
emaj-238	28	31	patronize	patronize	VERB
emaj-238	28	32	insurance	insurance	NOUN
emaj-238	28	33	services	service	NOUN
emaj-238	28	34	is	be	AUX
emaj-238	28	35	their	their	PRON
emaj-238	28	36	negative	negative	ADJ
emaj-238	28	37	attitude	attitude	NOUN
emaj-238	28	38	and	and	CCONJ
emaj-238	28	39	aversion	aversion	NOUN
emaj-238	28	40	to	to	PART
emaj-238	28	41	risk	risk	NOUN
emaj-238	28	42	and	and	CCONJ
emaj-238	28	43	ambiguity	ambiguity	NOUN
emaj-238	28	44	.	.	PUNCT
emaj-238	29	1	the	the	DET
emaj-238	29	2	same	same	ADJ
emaj-238	29	3	is	be	AUX
emaj-238	29	4	true	true	ADJ
emaj-238	29	5	in	in	ADP
emaj-238	29	6	belgium	belgium	NOUN
emaj-238	29	7	and	and	CCONJ
emaj-238	29	8	other	other	ADJ
emaj-238	29	9	parts	part	NOUN
emaj-238	29	10	of	of	ADP
emaj-238	29	11	europe	europe	PROPN
emaj-238	29	12	(	(	PUNCT
emaj-238	29	13	heselmans	heselman	NOUN
emaj-238	29	14	,	,	PUNCT
emaj-238	29	15	donceel	donceel	NOUN
emaj-238	29	16	,	,	PUNCT
emaj-238	29	17	aertgeerts	aertgeert	NOUN
emaj-238	29	18	,	,	PUNCT
emaj-238	29	19	van	van	PROPN
emaj-238	29	20	-	-	PUNCT
emaj-238	29	21	de	de	NOUN
emaj-238	29	22	-	-	NOUN
emaj-238	29	23	velde	velde	NOUN
emaj-238	29	24	,	,	PUNCT
emaj-238	29	25	and	and	CCONJ
emaj-238	29	26	ramaekers	ramaeker	NOUN
emaj-238	29	27	,	,	PUNCT
emaj-238	29	28	(	(	PUNCT
emaj-238	29	29	2009	2009	NUM
emaj-238	29	30	;	;	PUNCT
emaj-238	29	31	loh	loh	PROPN
emaj-238	29	32	,	,	PUNCT
emaj-238	29	33	nihalani	nihalani	NOUN
emaj-238	29	34	,	,	PUNCT
emaj-238	29	35	and	and	CCONJ
emaj-238	29	36	schnus	schnu	NOUN
emaj-238	29	37	,	,	PUNCT
emaj-238	29	38	2012	2012	NUM
emaj-238	29	39	)	)	PUNCT
emaj-238	29	40	.	.	PUNCT
emaj-238	30	1	hogarth	hogarth	NOUN
emaj-238	30	2	and	and	CCONJ
emaj-238	30	3	kunreuther	kunreuther	PROPN
emaj-238	30	4	(	(	PUNCT
emaj-238	30	5	1985	1985	NUM
emaj-238	30	6	)	)	PUNCT
emaj-238	30	7	and	and	CCONJ
emaj-238	30	8	goldmann	goldmann	NOUN
emaj-238	30	9	(	(	PUNCT
emaj-238	30	10	1985	1985	NUM
emaj-238	30	11	)	)	PUNCT
emaj-238	30	12	both	both	PRON
emaj-238	30	13	point	point	VERB
emaj-238	30	14	to	to	ADP
emaj-238	30	15	ambiguity	ambiguity	NOUN
emaj-238	30	16	as	as	ADP
emaj-238	30	17	a	a	DET
emaj-238	30	18	barrier	barrier	NOUN
emaj-238	30	19	to	to	ADP
emaj-238	30	20	insurance	insurance	NOUN
emaj-238	30	21	acceptance	acceptance	NOUN
emaj-238	30	22	(	(	PUNCT
emaj-238	30	23	1948	1948	NUM
emaj-238	30	24	)	)	PUNCT
emaj-238	30	25	.	.	PUNCT
emaj-238	31	1	similarly	similarly	ADV
emaj-238	31	2	,	,	PUNCT
emaj-238	31	3	amaefula	amaefula	NOUN
emaj-238	31	4	,	,	PUNCT
emaj-238	31	5	okezie	okezie	NOUN
emaj-238	31	6	,	,	PUNCT
emaj-238	31	7	and	and	CCONJ
emaj-238	31	8	mejeha	mejeha	NOUN
emaj-238	31	9	(	(	PUNCT
emaj-238	31	10	2012	2012	NUM
emaj-238	31	11	)	)	PUNCT
emaj-238	31	12	indicate	indicate	VERB
emaj-238	31	13	that	that	SCONJ
emaj-238	31	14	,	,	PUNCT
emaj-238	31	15	despite	despite	SCONJ
emaj-238	31	16	rural	rural	ADJ
emaj-238	31	17	farmers	farmer	NOUN
emaj-238	31	18	in	in	ADP
emaj-238	31	19	southern	southern	PROPN
emaj-238	31	20	nigeria	nigeria	PROPN
emaj-238	31	21	being	be	AUX
emaj-238	31	22	aware	aware	ADJ
emaj-238	31	23	of	of	ADP
emaj-238	31	24	agricultural	agricultural	ADJ
emaj-238	31	25	insurance	insurance	NOUN
emaj-238	31	26	services	service	NOUN
emaj-238	31	27	,	,	PUNCT
emaj-238	31	28	they	they	PRON
emaj-238	31	29	have	have	VERB
emaj-238	31	30	a	a	DET
emaj-238	31	31	negative	negative	ADJ
emaj-238	31	32	attitude	attitude	NOUN
emaj-238	31	33	toward	toward	ADP
emaj-238	31	34	due	due	ADP
emaj-238	31	35	to	to	ADP
emaj-238	31	36	concerns	concern	NOUN
emaj-238	31	37	about	about	ADP
emaj-238	31	38	gain	gain	NOUN
emaj-238	31	39	or	or	CCONJ
emaj-238	31	40	loss	loss	NOUN
emaj-238	31	41	associated	associate	VERB
emaj-238	31	42	with	with	ADP
emaj-238	31	43	or	or	CCONJ
emaj-238	31	44	without	without	ADP
emaj-238	31	45	insurance	insurance	NOUN
emaj-238	31	46	coverage	coverage	NOUN
emaj-238	31	47	.	.	PUNCT
emaj-238	32	1	while	while	SCONJ
emaj-238	32	2	olugbenga	olugbenga	NOUN
emaj-238	32	3	-	-	PUNCT
emaj-238	32	4	bello	bello	NOUN
emaj-238	32	5	and	and	CCONJ
emaj-238	32	6	adebimpe	adebimpe	NOUN
emaj-238	32	7	(	(	PUNCT
emaj-238	32	8	2010	2010	NUM
emaj-238	32	9	)	)	PUNCT
emaj-238	32	10	discovered	discover	VERB
emaj-238	32	11	that	that	SCONJ
emaj-238	32	12	there	there	PRON
emaj-238	32	13	is	be	VERB
emaj-238	32	14	a	a	DET
emaj-238	32	15	high	high	ADJ
emaj-238	32	16	level	level	NOUN
emaj-238	32	17	of	of	ADP
emaj-238	32	18	insurance	insurance	NOUN
emaj-238	32	19	awareness	awareness	NOUN
emaj-238	32	20	in	in	ADP
emaj-238	32	21	south	south	PROPN
emaj-238	32	22	-	-	PUNCT
emaj-238	32	23	west	west	PROPN
emaj-238	32	24	nigeria	nigeria	PROPN
emaj-238	32	25	,	,	PUNCT
emaj-238	32	26	there	there	PRON
emaj-238	32	27	is	be	VERB
emaj-238	32	28	still	still	ADV
emaj-238	32	29	less	less	ADJ
emaj-238	32	30	knowledge	knowledge	NOUN
emaj-238	32	31	of	of	ADP
emaj-238	32	32	how	how	SCONJ
emaj-238	32	33	to	to	PART
emaj-238	32	34	competently	competently	ADV
emaj-238	32	35	use	use	VERB
emaj-238	32	36	the	the	DET
emaj-238	32	37	insurance	insurance	NOUN
emaj-238	32	38	scheme	scheme	NOUN
emaj-238	32	39	.	.	PUNCT
emaj-238	33	1	ojatta	ojatta	NOUN
emaj-238	33	2	(	(	PUNCT
emaj-238	33	3	2016	2016	NUM
emaj-238	33	4	)	)	PUNCT
emaj-238	33	5	discovered	discover	VERB
emaj-238	33	6	a	a	DET
emaj-238	33	7	low	low	ADJ
emaj-238	33	8	level	level	NOUN
emaj-238	33	9	of	of	ADP
emaj-238	33	10	insurance	insurance	NOUN
emaj-238	33	11	awareness	awareness	NOUN
emaj-238	33	12	and	and	CCONJ
emaj-238	33	13	perception	perception	NOUN
emaj-238	33	14	in	in	ADP
emaj-238	33	15	kogi	kogi	PROPN
emaj-238	33	16	state	state	PROPN
emaj-238	33	17	nigeria	nigeria	PROPN
emaj-238	33	18	.	.	PUNCT
emaj-238	34	1	the	the	DET
emaj-238	34	2	purpose	purpose	NOUN
emaj-238	34	3	of	of	ADP
emaj-238	34	4	this	this	DET
emaj-238	34	5	study	study	NOUN
emaj-238	34	6	is	be	AUX
emaj-238	34	7	to	to	PART
emaj-238	34	8	figure	figure	VERB
emaj-238	34	9	out	out	ADP
emaj-238	34	10	how	how	SCONJ
emaj-238	34	11	cultural	cultural	ADJ
emaj-238	34	12	trends	trend	NOUN
emaj-238	34	13	influence	influence	VERB
emaj-238	34	14	consumer	consumer	NOUN
emaj-238	34	15	preferences	preference	NOUN
emaj-238	34	16	and	and	CCONJ
emaj-238	34	17	attitudes	attitude	NOUN
emaj-238	34	18	in	in	ADP
emaj-238	34	19	the	the	DET
emaj-238	34	20	insurance	insurance	NOUN
emaj-238	34	21	industry	industry	NOUN
emaj-238	34	22	in	in	ADP
emaj-238	34	23	kumasi	kumasi	PROPN
emaj-238	34	24	,	,	PUNCT
emaj-238	34	25	ghana	ghana	PROPN
emaj-238	34	26	.	.	PUNCT
emaj-238	35	1	understanding	understand	VERB
emaj-238	35	2	ghanaians	ghanaian	NOUN
emaj-238	35	3	'	'	PART
emaj-238	35	4	behavioral	behavioral	ADJ
emaj-238	35	5	intentions	intention	NOUN
emaj-238	35	6	may	may	AUX
emaj-238	35	7	give	give	VERB
emaj-238	35	8	a	a	DET
emaj-238	35	9	beneficial	beneficial	ADJ
emaj-238	35	10	framework	framework	NOUN
emaj-238	35	11	for	for	ADP
emaj-238	35	12	future	future	ADJ
emaj-238	35	13	marketing	marketing	NOUN
emaj-238	35	14	messages	message	NOUN
emaj-238	35	15	aimed	aim	VERB
emaj-238	35	16	at	at	ADP
emaj-238	35	17	reaching	reach	VERB
emaj-238	35	18	the	the	DET
emaj-238	35	19	target	target	NOUN
emaj-238	35	20	group	group	NOUN
emaj-238	35	21	and	and	CCONJ
emaj-238	35	22	determining	determine	VERB
emaj-238	35	23	ways	way	NOUN
emaj-238	35	24	to	to	PART
emaj-238	35	25	encourage	encourage	VERB
emaj-238	35	26	more	more	ADJ
emaj-238	35	27	ghanaians	ghanaians	PROPN
emaj-238	35	28	to	to	PART
emaj-238	35	29	consider	consider	VERB
emaj-238	35	30	purchasing	purchase	VERB
emaj-238	35	31	insurance	insurance	NOUN
emaj-238	35	32	.	.	PUNCT
emaj-238	36	1	the	the	DET
emaj-238	36	2	findings	finding	NOUN
emaj-238	36	3	are	be	AUX
emaj-238	36	4	anticipated	anticipate	VERB
emaj-238	36	5	to	to	PART
emaj-238	36	6	aid	aid	VERB
emaj-238	36	7	insurance	insurance	NOUN
emaj-238	36	8	marketers	marketer	NOUN
emaj-238	36	9	in	in	ADP
emaj-238	36	10	determining	determine	VERB
emaj-238	36	11	their	their	PRON
emaj-238	36	12	strategic	strategic	ADJ
emaj-238	36	13	focus	focus	NOUN
emaj-238	36	14	in	in	ADP
emaj-238	36	15	developing	develop	VERB
emaj-238	36	16	the	the	DET
emaj-238	36	17	ghanaian	ghanaian	ADJ
emaj-238	36	18	insurance	insurance	NOUN
emaj-238	36	19	market	market	NOUN
emaj-238	36	20	,	,	PUNCT
emaj-238	36	21	as	as	ADV
emaj-238	36	22	well	well	ADV
emaj-238	36	23	as	as	ADP
emaj-238	36	24	insurance	insurance	NOUN
emaj-238	36	25	corporations	corporation	NOUN
emaj-238	36	26	in	in	ADP
emaj-238	36	27	ensuring	ensure	VERB
emaj-238	36	28	their	their	PRON
emaj-238	36	29	long	long	ADJ
emaj-238	36	30	-	-	PUNCT
emaj-238	36	31	term	term	NOUN
emaj-238	36	32	viability	viability	NOUN
emaj-238	36	33	.	.	PUNCT
emaj-238	37	1	this	this	DET
emaj-238	37	2	study	study	NOUN
emaj-238	37	3	intends	intend	VERB
emaj-238	37	4	to	to	PART
emaj-238	37	5	investigate	investigate	VERB
emaj-238	37	6	the	the	DET
emaj-238	37	7	determinants	determinant	NOUN
emaj-238	37	8	of	of	ADP
emaj-238	37	9	ghanaian	ghanaian	ADJ
emaj-238	37	10	intention	intention	NOUN
emaj-238	37	11	behavior	behavior	NOUN
emaj-238	37	12	in	in	ADP
emaj-238	37	13	acquiring	acquire	VERB
emaj-238	37	14	insurance	insurance	NOUN
emaj-238	37	15	using	use	VERB
emaj-238	37	16	the	the	DET
emaj-238	37	17	theory	theory	NOUN
emaj-238	37	18	of	of	ADP
emaj-238	37	19	planned	plan	VERB
emaj-238	37	20	behavior	behavior	NOUN
emaj-238	37	21	(	(	PUNCT
emaj-238	37	22	fishbein	fishbein	ADJ
emaj-238	37	23	and	and	CCONJ
emaj-238	37	24	ajzen	ajzen	NOUN
emaj-238	37	25	,	,	PUNCT
emaj-238	37	26	1975	1975	NUM
emaj-238	37	27	)	)	PUNCT
emaj-238	37	28	as	as	ADP
emaj-238	37	29	a	a	DET
emaj-238	37	30	research	research	NOUN
emaj-238	37	31	framework	framework	NOUN
emaj-238	37	32	.	.	PUNCT
emaj-238	38	1	the	the	DET
emaj-238	38	2	antecedents	antecedent	NOUN
emaj-238	38	3	of	of	ADP
emaj-238	38	4	behavioral	behavioral	ADJ
emaj-238	38	5	intention	intention	NOUN
emaj-238	38	6	are	be	AUX
emaj-238	38	7	attitudinal	attitudinal	ADJ
emaj-238	38	8	and	and	CCONJ
emaj-238	38	9	cultural	cultural	ADJ
emaj-238	38	10	trends	trend	NOUN
emaj-238	38	11	,	,	PUNCT
emaj-238	38	12	according	accord	VERB
emaj-238	38	13	to	to	ADP
emaj-238	38	14	the	the	DET
emaj-238	38	15	idea	idea	NOUN
emaj-238	38	16	of	of	ADP
emaj-238	38	17	planned	plan	VERB
emaj-238	38	18	behavior	behavior	NOUN
emaj-238	38	19	(	(	PUNCT
emaj-238	38	20	bi	bi	NOUN
emaj-238	38	21	)	)	PUNCT
emaj-238	38	22	.	.	PUNCT
emaj-238	39	1	this	this	DET
emaj-238	39	2	study	study	NOUN
emaj-238	39	3	adds	add	VERB
emaj-238	39	4	to	to	ADP
emaj-238	39	5	the	the	DET
emaj-238	39	6	framework	framework	NOUN
emaj-238	39	7	's	's	PART
emaj-238	39	8	robustness	robustness	NOUN
emaj-238	39	9	by	by	ADP
emaj-238	39	10	including	include	VERB
emaj-238	39	11	awareness	awareness	NOUN
emaj-238	39	12	and	and	CCONJ
emaj-238	39	13	perception	perception	NOUN
emaj-238	39	14	as	as	ADP
emaj-238	39	15	a	a	DET
emaj-238	39	16	moderating	moderating	NOUN
emaj-238	39	17	impact	impact	NOUN
emaj-238	39	18	.	.	PUNCT
emaj-238	40	1	the	the	DET
emaj-238	40	2	contribution	contribution	NOUN
emaj-238	40	3	of	of	ADP
emaj-238	40	4	this	this	DET
emaj-238	40	5	research	research	NOUN
emaj-238	40	6	is	be	AUX
emaj-238	40	7	threefold	threefold	VERB
emaj-238	40	8	.	.	PUNCT
emaj-238	41	1	to	to	ADP
emaj-238	41	2	our	our	PRON
emaj-238	41	3	knowledge	knowledge	NOUN
emaj-238	41	4	,	,	PUNCT
emaj-238	41	5	this	this	PRON
emaj-238	41	6	is	be	AUX
emaj-238	41	7	the	the	DET
emaj-238	41	8	first	first	ADJ
emaj-238	41	9	study	study	NOUN
emaj-238	41	10	to	to	PART
emaj-238	41	11	look	look	VERB
emaj-238	41	12	at	at	ADP
emaj-238	41	13	the	the	DET
emaj-238	41	14	planned	plan	VERB
emaj-238	41	15	behavior	behavior	NOUN
emaj-238	41	16	of	of	ADP
emaj-238	41	17	insurance	insurance	NOUN
emaj-238	41	18	purchasing	purchasing	NOUN
emaj-238	41	19	in	in	ADP
emaj-238	41	20	a	a	DET
emaj-238	41	21	ghanaian	ghanaian	ADJ
emaj-238	41	22	scenario	scenario	NOUN
emaj-238	41	23	.	.	PUNCT
emaj-238	42	1	despite	despite	SCONJ
emaj-238	42	2	the	the	DET
emaj-238	42	3	fact	fact	NOUN
emaj-238	42	4	that	that	SCONJ
emaj-238	42	5	there	there	PRON
emaj-238	42	6	has	have	AUX
emaj-238	42	7	been	be	AUX
emaj-238	42	8	a	a	DET
emaj-238	42	9	lot	lot	NOUN
emaj-238	42	10	of	of	ADP
emaj-238	42	11	work	work	NOUN
emaj-238	42	12	done	do	VERB
emaj-238	42	13	on	on	ADP
emaj-238	42	14	insurance	insurance	NOUN
emaj-238	42	15	,	,	PUNCT
emaj-238	42	16	there	there	PRON
emaj-238	42	17	has	have	AUX
emaj-238	42	18	n't	not	PART
emaj-238	42	19	been	be	AUX
emaj-238	42	20	research	research	NOUN
emaj-238	42	21	done	do	VERB
emaj-238	42	22	in	in	ADP
emaj-238	42	23	ghana	ghana	PROPN
emaj-238	42	24	using	use	VERB
emaj-238	42	25	a	a	DET
emaj-238	42	26	planned	plan	VERB
emaj-238	42	27	behavior	behavior	NOUN
emaj-238	42	28	viewpoint	viewpoint	NOUN
emaj-238	42	29	.	.	PUNCT
emaj-238	43	1	second	second	ADV
emaj-238	43	2	,	,	PUNCT
emaj-238	43	3	the	the	DET
emaj-238	43	4	study	study	NOUN
emaj-238	43	5	will	will	AUX
emaj-238	43	6	contribute	contribute	VERB
emaj-238	43	7	to	to	ADP
emaj-238	43	8	the	the	DET
emaj-238	43	9	literature	literature	NOUN
emaj-238	43	10	by	by	ADP
emaj-238	43	11	expanding	expand	VERB
emaj-238	43	12	knowledge	knowledge	NOUN
emaj-238	43	13	of	of	ADP
emaj-238	43	14	this	this	DET
emaj-238	43	15	subject	subject	ADJ
emaj-238	43	16	field	field	NOUN
emaj-238	43	17	in	in	ADP
emaj-238	43	18	a	a	DET
emaj-238	43	19	large	large	ADJ
emaj-238	43	20	rising	rise	VERB
emaj-238	43	21	market	market	NOUN
emaj-238	43	22	like	like	ADP
emaj-238	43	23	ghana	ghana	PROPN
emaj-238	43	24	.	.	PUNCT
emaj-238	44	1	other	other	ADJ
emaj-238	44	2	replications	replication	NOUN
emaj-238	44	3	of	of	ADP
emaj-238	44	4	comparable	comparable	ADJ
emaj-238	44	5	studies	study	NOUN
emaj-238	44	6	in	in	ADP
emaj-238	44	7	emerging	emerge	VERB
emaj-238	44	8	nations	nation	NOUN
emaj-238	44	9	are	be	AUX
emaj-238	44	10	expected	expect	VERB
emaj-238	44	11	to	to	PART
emaj-238	44	12	utilize	utilize	VERB
emaj-238	44	13	this	this	DET
emaj-238	44	14	study	study	NOUN
emaj-238	44	15	as	as	ADP
emaj-238	44	16	a	a	DET
emaj-238	44	17	benchmark	benchmark	NOUN
emaj-238	44	18	,	,	PUNCT
emaj-238	44	19	according	accord	VERB
emaj-238	44	20	to	to	ADP
emaj-238	44	21	the	the	DET
emaj-238	44	22	researchers	researcher	NOUN
emaj-238	44	23	.	.	PUNCT
emaj-238	45	1	finally	finally	ADV
emaj-238	45	2	,	,	PUNCT
emaj-238	45	3	in	in	ADP
emaj-238	45	4	the	the	DET
emaj-238	45	5	context	context	NOUN
emaj-238	45	6	of	of	ADP
emaj-238	45	7	emerging	emerge	VERB
emaj-238	45	8	countries	country	NOUN
emaj-238	45	9	,	,	PUNCT
emaj-238	45	10	the	the	DET
emaj-238	45	11	empirical	empirical	ADJ
emaj-238	45	12	study	study	NOUN
emaj-238	45	13	looked	look	VERB
emaj-238	45	14	into	into	ADP
emaj-238	45	15	how	how	SCONJ
emaj-238	45	16	attitudes	attitude	NOUN
emaj-238	45	17	,	,	PUNCT
emaj-238	45	18	cultural	cultural	ADJ
emaj-238	45	19	trends	trend	NOUN
emaj-238	45	20	,	,	PUNCT
emaj-238	45	21	awareness	awareness	NOUN
emaj-238	45	22	,	,	PUNCT
emaj-238	45	23	and	and	CCONJ
emaj-238	45	24	perception	perception	NOUN
emaj-238	45	25	may	may	AUX
emaj-238	45	26	all	all	ADV
emaj-238	45	27	play	play	VERB
emaj-238	45	28	a	a	DET
emaj-238	45	29	part	part	NOUN
emaj-238	45	30	in	in	ADP
emaj-238	45	31	deciding	decide	VERB
emaj-238	45	32	insurance	insurance	NOUN
emaj-238	45	33	purchase	purchase	NOUN
emaj-238	45	34	intentions	intention	NOUN
emaj-238	45	35	.	.	PUNCT
emaj-238	46	1	ii	ii	PROPN
emaj-238	46	2	.	.	PUNCT
emaj-238	47	1	literature	literature	PROPN
emaj-238	47	2	review	review	VERB
emaj-238	47	3	the	the	DET
emaj-238	47	4	literature	literature	NOUN
emaj-238	47	5	comprised	comprise	VERB
emaj-238	47	6	both	both	CCONJ
emaj-238	47	7	the	the	DET
emaj-238	47	8	theoretical	theoretical	ADJ
emaj-238	47	9	literature	literature	NOUN
emaj-238	47	10	and	and	CCONJ
emaj-238	47	11	the	the	DET
emaj-238	47	12	empirical	empirical	ADJ
emaj-238	47	13	literature	literature	NOUN
emaj-238	47	14	.	.	PUNCT
emaj-238	48	1	volume	volume	NOUN
emaj-238	48	2	12	12	NUM
emaj-238	48	3	no	no	DET
emaj-238	48	4	1	1	NUM
emaj-238	48	5	(	(	PUNCT
emaj-238	48	6	2022	2022	NUM
emaj-238	48	7	)	)	PUNCT
emaj-238	48	8	|	|	ADV
emaj-238	48	9	issn	issn	VERB
emaj-238	48	10	2158	2158	NUM
emaj-238	48	11	-	-	SYM
emaj-238	48	12	8708	8708	NUM
emaj-238	48	13	(	(	PUNCT
emaj-238	48	14	online	online	NOUN
emaj-238	48	15	)	)	PUNCT
emaj-238	48	16	|	|	ADV
emaj-238	48	17	doi	doi	X
emaj-238	48	18	10.5195	10.5195	NUM
emaj-238	48	19	/	/	SYM
emaj-238	48	20	emaj.2022.238	emaj.2022.238	NOUN
emaj-238	48	21	|	|	NOUN
emaj-238	48	22	http://emaj.pitt.edu	http://emaj.pitt.edu	PROPN
emaj-238	48	23	francis	francis	PROPN
emaj-238	48	24	osei	osei	PROPN
emaj-238	48	25	,	,	PUNCT
emaj-238	48	26	christian	christian	PROPN
emaj-238	48	27	narh	narh	NOUN
emaj-238	48	28	opata	opata	NOUN
emaj-238	48	29	,	,	PUNCT
emaj-238	48	30	collins	collins	PROPN
emaj-238	48	31	kankam	kankam	PROPN
emaj-238	48	32	-	-	PUNCT
emaj-238	48	33	kwarteng	kwarteng	PROPN
emaj-238	48	34	,	,	PUNCT
emaj-238	48	35	daniel	daniel	PROPN
emaj-238	48	36	ofori	ofori	ADV
emaj-238	48	37	emerging	emerge	VERB
emaj-238	48	38	markets	market	NOUN
emaj-238	48	39	journal	journal	NOUN
emaj-238	49	1	|	|	ADV
emaj-238	49	2	p	p	NOUN
emaj-238	49	3	a	a	DET
emaj-238	49	4	g	g	NOUN
emaj-238	49	5	e	e	NOUN
emaj-238	49	6	1	1	NUM
emaj-238	49	7	5	5	NUM
emaj-238	49	8	theory	theory	NOUN
emaj-238	49	9	of	of	ADP
emaj-238	49	10	planned	plan	VERB
emaj-238	49	11	behaviour	behaviour	NOUN
emaj-238	49	12	according	accord	VERB
emaj-238	49	13	to	to	ADP
emaj-238	49	14	conner	conner	NOUN
emaj-238	49	15	and	and	CCONJ
emaj-238	49	16	sparks	spark	NOUN
emaj-238	49	17	(	(	PUNCT
emaj-238	49	18	2005	2005	NUM
emaj-238	49	19	)	)	PUNCT
emaj-238	49	20	,	,	PUNCT
emaj-238	49	21	the	the	DET
emaj-238	49	22	theory	theory	NOUN
emaj-238	49	23	of	of	ADP
emaj-238	49	24	planned	plan	VERB
emaj-238	49	25	behavior	behavior	NOUN
emaj-238	49	26	arose	arise	VERB
emaj-238	49	27	from	from	ADP
emaj-238	49	28	the	the	DET
emaj-238	49	29	extension	extension	NOUN
emaj-238	49	30	of	of	ADP
emaj-238	49	31	an	an	DET
emaj-238	49	32	earlier	early	ADJ
emaj-238	49	33	theory	theory	NOUN
emaj-238	49	34	of	of	ADP
emaj-238	49	35	reasoned	reason	VERB
emaj-238	49	36	action	action	NOUN
emaj-238	49	37	(	(	PUNCT
emaj-238	49	38	tra	tra	NOUN
emaj-238	49	39	)	)	PUNCT
emaj-238	49	40	by	by	ADP
emaj-238	49	41	fishbein	fishbein	NOUN
emaj-238	49	42	and	and	CCONJ
emaj-238	49	43	ajzen	ajzen	NOUN
emaj-238	49	44	in	in	ADP
emaj-238	49	45	1975	1975	NUM
emaj-238	49	46	.	.	PUNCT
emaj-238	50	1	the	the	DET
emaj-238	50	2	theory	theory	NOUN
emaj-238	50	3	of	of	ADP
emaj-238	50	4	planned	plan	VERB
emaj-238	50	5	behavior	behavior	NOUN
emaj-238	50	6	(	(	PUNCT
emaj-238	50	7	tpb	tpb	NOUN
emaj-238	50	8	)	)	PUNCT
emaj-238	50	9	event	event	NOUN
emaj-238	50	10	is	be	AUX
emaj-238	50	11	significant	significant	ADJ
emaj-238	50	12	,	,	PUNCT
emaj-238	50	13	because	because	SCONJ
emaj-238	50	14	it	it	PRON
emaj-238	50	15	overcomes	overcome	VERB
emaj-238	50	16	the	the	DET
emaj-238	50	17	tra	tra	NOUN
emaj-238	50	18	's	's	PART
emaj-238	50	19	shortcomings	shortcoming	NOUN
emaj-238	50	20	in	in	ADP
emaj-238	50	21	regulating	regulate	VERB
emaj-238	50	22	behavior	behavior	NOUN
emaj-238	50	23	by	by	ADP
emaj-238	50	24	requiring	require	VERB
emaj-238	50	25	individuals	individual	NOUN
emaj-238	50	26	to	to	PART
emaj-238	50	27	make	make	VERB
emaj-238	50	28	a	a	DET
emaj-238	50	29	conscious	conscious	ADJ
emaj-238	50	30	choice	choice	NOUN
emaj-238	50	31	of	of	ADP
emaj-238	50	32	action	action	NOUN
emaj-238	50	33	(	(	PUNCT
emaj-238	50	34	ajzen	ajzen	NOUN
emaj-238	50	35	,	,	PUNCT
emaj-238	50	36	1991	1991	NUM
emaj-238	50	37	)	)	PUNCT
emaj-238	50	38	.	.	PUNCT
emaj-238	51	1	previous	previous	ADJ
emaj-238	51	2	researchers	researcher	NOUN
emaj-238	51	3	have	have	AUX
emaj-238	51	4	used	use	VERB
emaj-238	51	5	the	the	DET
emaj-238	51	6	tpb	tpb	NOUN
emaj-238	51	7	model	model	NOUN
emaj-238	51	8	to	to	PART
emaj-238	51	9	investigate	investigate	VERB
emaj-238	51	10	consumer	consumer	NOUN
emaj-238	51	11	behavioral	behavioral	ADJ
emaj-238	51	12	intentions	intention	NOUN
emaj-238	51	13	(	(	PUNCT
emaj-238	51	14	chen	chen	PROPN
emaj-238	51	15	,	,	PUNCT
emaj-238	51	16	2016	2016	NUM
emaj-238	51	17	;	;	PUNCT
emaj-238	51	18	chin	chin	NOUN
emaj-238	51	19	,	,	PUNCT
emaj-238	51	20	2016	2016	NUM
emaj-238	51	21	)	)	PUNCT
emaj-238	51	22	,	,	PUNCT
emaj-238	51	23	ecological	ecological	ADJ
emaj-238	51	24	relationships	relationship	NOUN
emaj-238	51	25	(	(	PUNCT
emaj-238	51	26	moser	moser	PROPN
emaj-238	51	27	,	,	PUNCT
emaj-238	51	28	2016	2016	NUM
emaj-238	51	29	;	;	PUNCT
emaj-238	51	30	paul	paul	PROPN
emaj-238	51	31	et	et	PROPN
emaj-238	51	32	al	al	PROPN
emaj-238	51	33	.	.	PROPN
emaj-238	51	34	,	,	PUNCT
emaj-238	51	35	2016	2016	NUM
emaj-238	51	36	)	)	PUNCT
emaj-238	51	37	,	,	PUNCT
emaj-238	51	38	and	and	CCONJ
emaj-238	51	39	other	other	ADJ
emaj-238	51	40	social	social	ADJ
emaj-238	51	41	science	science	NOUN
emaj-238	51	42	disciplines	discipline	NOUN
emaj-238	51	43	that	that	PRON
emaj-238	51	44	investigate	investigate	VERB
emaj-238	51	45	human	human	ADJ
emaj-238	51	46	relationships	relationship	NOUN
emaj-238	51	47	and	and	CCONJ
emaj-238	51	48	factors	factor	NOUN
emaj-238	51	49	which	which	PRON
emaj-238	51	50	influence	influence	VERB
emaj-238	51	51	decision	decision	NOUN
emaj-238	51	52	-	-	PUNCT
emaj-238	51	53	making	make	VERB
emaj-238	51	54	processes	process	NOUN
emaj-238	51	55	.	.	PUNCT
emaj-238	52	1	rabin	rabin	PROPN
emaj-238	52	2	and	and	CCONJ
emaj-238	52	3	thaler	thaler	PROPN
emaj-238	52	4	(	(	PUNCT
emaj-238	52	5	2001	2001	NUM
emaj-238	52	6	)	)	PUNCT
emaj-238	52	7	,	,	PUNCT
emaj-238	52	8	for	for	ADP
emaj-238	52	9	example	example	NOUN
emaj-238	52	10	,	,	PUNCT
emaj-238	52	11	believe	believe	VERB
emaj-238	52	12	that	that	SCONJ
emaj-238	52	13	risk	risk	NOUN
emaj-238	52	14	aversion	aversion	NOUN
emaj-238	52	15	may	may	AUX
emaj-238	52	16	explain	explain	VERB
emaj-238	52	17	the	the	DET
emaj-238	52	18	anomalies	anomaly	NOUN
emaj-238	52	19	in	in	ADP
emaj-238	52	20	the	the	DET
emaj-238	52	21	insurance	insurance	NOUN
emaj-238	52	22	market	market	NOUN
emaj-238	52	23	,	,	PUNCT
emaj-238	52	24	such	such	ADJ
emaj-238	52	25	as	as	ADP
emaj-238	52	26	people	people	NOUN
emaj-238	52	27	buying	buy	VERB
emaj-238	52	28	insurance	insurance	NOUN
emaj-238	52	29	when	when	SCONJ
emaj-238	52	30	they	they	PRON
emaj-238	52	31	should	should	AUX
emaj-238	52	32	n't	not	PART
emaj-238	52	33	and	and	CCONJ
emaj-238	52	34	refusing	refuse	VERB
emaj-238	52	35	when	when	SCONJ
emaj-238	52	36	they	they	PRON
emaj-238	52	37	really	really	ADV
emaj-238	52	38	need	need	VERB
emaj-238	52	39	it	it	PRON
emaj-238	52	40	.	.	PUNCT
emaj-238	53	1	as	as	ADP
emaj-238	53	2	a	a	DET
emaj-238	53	3	result	result	NOUN
emaj-238	53	4	,	,	PUNCT
emaj-238	53	5	this	this	DET
emaj-238	53	6	study	study	NOUN
emaj-238	53	7	employs	employ	VERB
emaj-238	53	8	a	a	DET
emaj-238	53	9	behavioral	behavioral	ADJ
emaj-238	53	10	approach	approach	NOUN
emaj-238	53	11	to	to	PART
emaj-238	53	12	explain	explain	VERB
emaj-238	53	13	the	the	DET
emaj-238	53	14	anomalies	anomaly	NOUN
emaj-238	53	15	of	of	ADP
emaj-238	53	16	planned	plan	VERB
emaj-238	53	17	behavior	behavior	NOUN
emaj-238	53	18	in	in	ADP
emaj-238	53	19	the	the	DET
emaj-238	53	20	insurance	insurance	NOUN
emaj-238	53	21	industry	industry	NOUN
emaj-238	53	22	.	.	PUNCT
emaj-238	54	1	using	use	VERB
emaj-238	54	2	the	the	DET
emaj-238	54	3	planned	plan	VERB
emaj-238	54	4	behavior	behavior	NOUN
emaj-238	54	5	approach	approach	NOUN
emaj-238	54	6	,	,	PUNCT
emaj-238	54	7	another	another	DET
emaj-238	54	8	reason	reason	NOUN
emaj-238	54	9	for	for	ADP
emaj-238	54	10	the	the	DET
emaj-238	54	11	anomalies	anomaly	NOUN
emaj-238	54	12	in	in	ADP
emaj-238	54	13	health	health	NOUN
emaj-238	54	14	insurance	insurance	NOUN
emaj-238	54	15	demand	demand	NOUN
emaj-238	54	16	can	can	AUX
emaj-238	54	17	be	be	AUX
emaj-238	54	18	established	establish	VERB
emaj-238	54	19	.	.	PUNCT
emaj-238	55	1	planned	plan	VERB
emaj-238	55	2	behavior	behavior	NOUN
emaj-238	55	3	may	may	AUX
emaj-238	55	4	help	help	VERB
emaj-238	55	5	to	to	PART
emaj-238	55	6	explain	explain	VERB
emaj-238	55	7	what	what	PRON
emaj-238	55	8	elements	element	NOUN
emaj-238	55	9	influence	influence	VERB
emaj-238	55	10	people	people	NOUN
emaj-238	55	11	's	's	PART
emaj-238	55	12	decision	decision	NOUN
emaj-238	55	13	to	to	PART
emaj-238	55	14	buy	buy	VERB
emaj-238	55	15	insurance	insurance	NOUN
emaj-238	55	16	.	.	PUNCT
emaj-238	56	1	studies	study	NOUN
emaj-238	56	2	that	that	PRON
emaj-238	56	3	test	test	VERB
emaj-238	56	4	this	this	DET
emaj-238	56	5	theory	theory	NOUN
emaj-238	56	6	are	be	AUX
emaj-238	56	7	extremely	extremely	ADV
emaj-238	56	8	rare	rare	ADJ
emaj-238	56	9	in	in	ADP
emaj-238	56	10	the	the	DET
emaj-238	56	11	field	field	NOUN
emaj-238	56	12	of	of	ADP
emaj-238	56	13	insurance	insurance	NOUN
emaj-238	56	14	research	research	NOUN
emaj-238	56	15	.	.	PUNCT
emaj-238	57	1	only	only	ADV
emaj-238	57	2	one	one	NUM
emaj-238	57	3	study	study	NOUN
emaj-238	57	4	,	,	PUNCT
emaj-238	57	5	by	by	ADP
emaj-238	57	6	omar	omar	PROPN
emaj-238	57	7	and	and	CCONJ
emaj-238	57	8	owusu	owusu	PROPN
emaj-238	57	9	frimpong	frimpong	PROPN
emaj-238	57	10	(	(	PUNCT
emaj-238	57	11	2007	2007	NUM
emaj-238	57	12	)	)	PUNCT
emaj-238	57	13	,	,	PUNCT
emaj-238	57	14	has	have	AUX
emaj-238	57	15	attempted	attempt	VERB
emaj-238	57	16	to	to	PART
emaj-238	57	17	explain	explain	VERB
emaj-238	57	18	why	why	SCONJ
emaj-238	57	19	nigerians	nigerian	NOUN
emaj-238	57	20	require	require	VERB
emaj-238	57	21	health	health	NOUN
emaj-238	57	22	insurance	insurance	NOUN
emaj-238	57	23	.	.	PUNCT
emaj-238	58	1	they	they	PRON
emaj-238	58	2	accepted	accept	VERB
emaj-238	58	3	the	the	DET
emaj-238	58	4	theory	theory	NOUN
emaj-238	58	5	of	of	ADP
emaj-238	58	6	reasoned	reason	VERB
emaj-238	58	7	action	action	NOUN
emaj-238	58	8	instead	instead	ADV
emaj-238	58	9	of	of	ADP
emaj-238	58	10	the	the	DET
emaj-238	58	11	tpb	tpb	NOUN
emaj-238	58	12	(	(	PUNCT
emaj-238	58	13	tra	tra	NOUN
emaj-238	58	14	)	)	PUNCT
emaj-238	58	15	.	.	PUNCT
emaj-238	59	1	another	another	DET
emaj-238	59	2	study	study	NOUN
emaj-238	59	3	based	base	VERB
emaj-238	59	4	on	on	ADP
emaj-238	59	5	the	the	DET
emaj-238	59	6	tpb	tpb	NOUN
emaj-238	59	7	was	be	AUX
emaj-238	59	8	kurland	kurland	NOUN
emaj-238	59	9	(	(	PUNCT
emaj-238	59	10	1995	1995	NUM
emaj-238	59	11	)	)	PUNCT
emaj-238	59	12	,	,	PUNCT
emaj-238	59	13	who	who	PRON
emaj-238	59	14	expanded	expand	VERB
emaj-238	59	15	the	the	DET
emaj-238	59	16	theory	theory	NOUN
emaj-238	59	17	by	by	ADP
emaj-238	59	18	including	include	VERB
emaj-238	59	19	a	a	DET
emaj-238	59	20	measure	measure	NOUN
emaj-238	59	21	of	of	ADP
emaj-238	59	22	moral	moral	ADJ
emaj-238	59	23	duty	duty	NOUN
emaj-238	59	24	in	in	ADP
emaj-238	59	25	the	the	DET
emaj-238	59	26	prediction	prediction	NOUN
emaj-238	59	27	of	of	ADP
emaj-238	59	28	insurance	insurance	NOUN
emaj-238	59	29	agents	agent	NOUN
emaj-238	59	30	'	'	PART
emaj-238	59	31	ethical	ethical	ADJ
emaj-238	59	32	intentions	intention	NOUN
emaj-238	59	33	toward	toward	ADP
emaj-238	59	34	their	their	PRON
emaj-238	59	35	consumers	consumer	NOUN
emaj-238	59	36	.	.	PUNCT
emaj-238	60	1	current	current	ADJ
emaj-238	60	2	development	development	NOUN
emaj-238	60	3	within	within	ADP
emaj-238	60	4	the	the	DET
emaj-238	60	5	insurance	insurance	NOUN
emaj-238	60	6	industry	industry	NOUN
emaj-238	60	7	of	of	ADP
emaj-238	60	8	ghana	ghana	PROPN
emaj-238	60	9	in	in	ADP
emaj-238	60	10	2018	2018	NUM
emaj-238	60	11	,	,	PUNCT
emaj-238	60	12	total	total	ADJ
emaj-238	60	13	life	life	NOUN
emaj-238	60	14	insurance	insurance	NOUN
emaj-238	60	15	premiums	premium	NOUN
emaj-238	60	16	increased	increase	VERB
emaj-238	60	17	by	by	ADP
emaj-238	60	18	20.1	20.1	NUM
emaj-238	60	19	%	%	NOUN
emaj-238	60	20	from	from	ADP
emaj-238	60	21	1.08	1.08	NUM
emaj-238	60	22	billion	billion	NUM
emaj-238	60	23	ghana	ghana	PROPN
emaj-238	60	24	cedi	cedi	PROPN
emaj-238	60	25	(	(	PUNCT
emaj-238	60	26	ghs	ghs	PROPN
emaj-238	60	27	)	)	PUNCT
emaj-238	60	28	in	in	ADP
emaj-238	60	29	2017	2017	NUM
emaj-238	60	30	to	to	PART
emaj-238	60	31	1.3	1.3	NUM
emaj-238	60	32	billion	billion	NUM
emaj-238	60	33	ghs	gh	NOUN
emaj-238	60	34	.	.	PUNCT
emaj-238	61	1	in	in	ADP
emaj-238	61	2	addition	addition	NOUN
emaj-238	61	3	,	,	PUNCT
emaj-238	61	4	total	total	ADJ
emaj-238	61	5	non	non	ADJ
emaj-238	61	6	-	-	ADJ
emaj-238	61	7	life	life	ADJ
emaj-238	61	8	insurance	insurance	NOUN
emaj-238	61	9	premiums	premium	NOUN
emaj-238	61	10	in	in	ADP
emaj-238	61	11	2018	2018	NUM
emaj-238	61	12	increased	increase	VERB
emaj-238	61	13	by	by	ADP
emaj-238	61	14	1.3	1.3	NUM
emaj-238	61	15	billion	billion	NUM
emaj-238	61	16	ghs	gh	NOUN
emaj-238	61	17	.	.	PUNCT
emaj-238	62	1	in	in	ADP
emaj-238	62	2	2017	2017	NUM
emaj-238	62	3	,	,	PUNCT
emaj-238	62	4	it	it	PRON
emaj-238	62	5	was	be	AUX
emaj-238	62	6	19	19	NUM
emaj-238	62	7	billion	billion	NUM
emaj-238	62	8	.	.	PUNCT
emaj-238	63	1	this	this	PRON
emaj-238	63	2	corresponds	correspond	VERB
emaj-238	63	3	to	to	ADP
emaj-238	63	4	an	an	DET
emaj-238	63	5	average	average	ADJ
emaj-238	63	6	annual	annual	ADJ
emaj-238	63	7	growth	growth	NOUN
emaj-238	63	8	rate	rate	NOUN
emaj-238	63	9	of	of	ADP
emaj-238	63	10	9.3	9.3	NUM
emaj-238	63	11	%	%	NOUN
emaj-238	63	12	.	.	PUNCT
emaj-238	64	1	however	however	ADV
emaj-238	64	2	,	,	PUNCT
emaj-238	64	3	the	the	DET
emaj-238	64	4	industry	industry	NOUN
emaj-238	64	5	has	have	AUX
emaj-238	64	6	experienced	experience	VERB
emaj-238	64	7	a	a	DET
emaj-238	64	8	lot	lot	NOUN
emaj-238	64	9	of	of	ADP
emaj-238	64	10	activity	activity	NOUN
emaj-238	64	11	and	and	CCONJ
emaj-238	64	12	significant	significant	ADJ
emaj-238	64	13	expansion	expansion	NOUN
emaj-238	64	14	over	over	ADP
emaj-238	64	15	the	the	DET
emaj-238	64	16	years	year	NOUN
emaj-238	64	17	(	(	PUNCT
emaj-238	64	18	nic	nic	ADJ
emaj-238	64	19	,	,	PUNCT
emaj-238	64	20	2018	2018	NUM
emaj-238	64	21	)	)	PUNCT
emaj-238	64	22	.	.	PUNCT
emaj-238	65	1	for	for	ADP
emaj-238	65	2	instance	instance	NOUN
emaj-238	65	3	,	,	PUNCT
emaj-238	65	4	the	the	DET
emaj-238	65	5	total	total	ADJ
emaj-238	65	6	gross	gross	ADJ
emaj-238	65	7	premiums	premium	NOUN
emaj-238	65	8	increased	increase	VERB
emaj-238	65	9	from	from	ADP
emaj-238	65	10	ghs	ghs	PROPN
emaj-238	65	11	2,271,368,033	2,271,368,033	NUM
emaj-238	65	12	in	in	ADP
emaj-238	65	13	2017	2017	NUM
emaj-238	65	14	to	to	ADP
emaj-238	65	15	ghs	ghs	PROPN
emaj-238	65	16	2,937,534,716	2,937,534,716	NOUN
emaj-238	65	17	in	in	ADP
emaj-238	65	18	2018	2018	NUM
emaj-238	65	19	.	.	PUNCT
emaj-238	66	1	this	this	PRON
emaj-238	66	2	corresponds	correspond	VERB
emaj-238	66	3	to	to	ADP
emaj-238	66	4	an	an	DET
emaj-238	66	5	average	average	ADJ
emaj-238	66	6	annual	annual	ADJ
emaj-238	66	7	growth	growth	NOUN
emaj-238	66	8	rate	rate	NOUN
emaj-238	66	9	of	of	ADP
emaj-238	66	10	29	29	NUM
emaj-238	66	11	%	%	NOUN
emaj-238	66	12	.	.	PUNCT
emaj-238	67	1	although	although	SCONJ
emaj-238	67	2	these	these	DET
emaj-238	67	3	two	two	NUM
emaj-238	67	4	benchmarks	benchmark	NOUN
emaj-238	67	5	are	be	AUX
emaj-238	67	6	not	not	PART
emaj-238	67	7	met	meet	VERB
emaj-238	67	8	,	,	PUNCT
emaj-238	67	9	the	the	DET
emaj-238	67	10	industry	industry	NOUN
emaj-238	67	11	appears	appear	VERB
emaj-238	67	12	to	to	PART
emaj-238	67	13	perform	perform	VERB
emaj-238	67	14	well	well	ADV
emaj-238	67	15	in	in	ADP
emaj-238	67	16	terms	term	NOUN
emaj-238	67	17	of	of	ADP
emaj-238	67	18	gross	gross	ADJ
emaj-238	67	19	premiums	premium	NOUN
emaj-238	67	20	(	(	PUNCT
emaj-238	67	21	representing	represent	VERB
emaj-238	67	22	insurance	insurance	NOUN
emaj-238	67	23	depth	depth	NOUN
emaj-238	67	24	or	or	CCONJ
emaj-238	67	25	demand	demand	NOUN
emaj-238	67	26	)	)	PUNCT
emaj-238	67	27	as	as	ADP
emaj-238	67	28	a	a	DET
emaj-238	67	29	share	share	NOUN
emaj-238	67	30	of	of	ADP
emaj-238	67	31	gross	gross	ADJ
emaj-238	67	32	domestic	domestic	ADJ
emaj-238	67	33	product	product	NOUN
emaj-238	67	34	(	(	PUNCT
emaj-238	67	35	gdp	gdp	NOUN
emaj-238	67	36	)	)	PUNCT
emaj-238	67	37	.	.	PUNCT
emaj-238	68	1	the	the	DET
emaj-238	68	2	insurance	insurance	NOUN
emaj-238	68	3	penetration	penetration	NOUN
emaj-238	68	4	rate	rate	NOUN
emaj-238	68	5	in	in	ADP
emaj-238	68	6	2017	2017	NUM
emaj-238	68	7	was	be	AUX
emaj-238	68	8	1.12	1.12	NUM
emaj-238	68	9	%	%	NOUN
emaj-238	68	10	,	,	PUNCT
emaj-238	68	11	but	but	CCONJ
emaj-238	68	12	in	in	ADP
emaj-238	68	13	2018	2018	NUM
emaj-238	68	14	it	it	PRON
emaj-238	68	15	dropped	drop	VERB
emaj-238	68	16	to	to	ADP
emaj-238	68	17	15	15	NUM
emaj-238	68	18	%	%	NOUN
emaj-238	68	19	.	.	PUNCT
emaj-238	69	1	according	accord	VERB
emaj-238	69	2	to	to	ADP
emaj-238	69	3	the	the	DET
emaj-238	69	4	nic	nic	PROPN
emaj-238	69	5	,	,	PUNCT
emaj-238	69	6	the	the	DET
emaj-238	69	7	committee	committee	NOUN
emaj-238	69	8	only	only	ADV
emaj-238	69	9	considers	consider	VERB
emaj-238	69	10	the	the	DET
emaj-238	69	11	premiums	premium	NOUN
emaj-238	69	12	charged	charge	VERB
emaj-238	69	13	by	by	ADP
emaj-238	69	14	ghanaian	ghanaian	ADJ
emaj-238	69	15	insurance	insurance	NOUN
emaj-238	69	16	companies	company	NOUN
emaj-238	69	17	when	when	SCONJ
emaj-238	69	18	calculating	calculate	VERB
emaj-238	69	19	the	the	DET
emaj-238	69	20	insurance	insurance	NOUN
emaj-238	69	21	amount	amount	NOUN
emaj-238	69	22	.	.	PUNCT
emaj-238	70	1	in	in	ADP
emaj-238	70	2	addition	addition	NOUN
emaj-238	70	3	,	,	PUNCT
emaj-238	70	4	unlike	unlike	ADP
emaj-238	70	5	other	other	ADJ
emaj-238	70	6	countries	country	NOUN
emaj-238	70	7	with	with	ADP
emaj-238	70	8	higher	high	ADJ
emaj-238	70	9	insurance	insurance	NOUN
emaj-238	70	10	penetration	penetration	NOUN
emaj-238	70	11	,	,	PUNCT
emaj-238	70	12	insurance	insurance	NOUN
emaj-238	70	13	and	and	CCONJ
emaj-238	70	14	pension	pension	NOUN
emaj-238	70	15	contributions	contribution	NOUN
emaj-238	70	16	do	do	AUX
emaj-238	70	17	not	not	PART
emaj-238	70	18	appear	appear	VERB
emaj-238	70	19	to	to	PART
emaj-238	70	20	be	be	AUX
emaj-238	70	21	included	include	VERB
emaj-238	70	22	in	in	ADP
emaj-238	70	23	the	the	DET
emaj-238	70	24	calculation	calculation	NOUN
emaj-238	70	25	.	.	PUNCT
emaj-238	71	1	although	although	SCONJ
emaj-238	71	2	gross	gross	ADJ
emaj-238	71	3	premiums	premium	NOUN
emaj-238	71	4	have	have	AUX
emaj-238	71	5	been	be	AUX
emaj-238	71	6	increasing	increase	VERB
emaj-238	71	7	,	,	PUNCT
emaj-238	71	8	as	as	SCONJ
emaj-238	71	9	shown	show	VERB
emaj-238	71	10	in	in	ADP
emaj-238	71	11	table	table	NOUN
emaj-238	71	12	1	1	NUM
emaj-238	71	13	,	,	PUNCT
emaj-238	71	14	the	the	DET
emaj-238	71	15	growth	growth	NOUN
emaj-238	71	16	rate	rate	NOUN
emaj-238	71	17	is	be	AUX
emaj-238	71	18	slowing	slow	VERB
emaj-238	71	19	down	down	ADP
emaj-238	71	20	(	(	PUNCT
emaj-238	71	21	nic	nic	ADJ
emaj-238	71	22	,	,	PUNCT
emaj-238	71	23	2018	2018	NUM
emaj-238	71	24	)	)	PUNCT
emaj-238	71	25	.	.	PUNCT
emaj-238	72	1	table	table	NOUN
emaj-238	72	2	1	1	NUM
emaj-238	72	3	:	:	PUNCT
emaj-238	72	4	insurance	insurance	NOUN
emaj-238	72	5	growth	growth	NOUN
emaj-238	72	6	from	from	ADP
emaj-238	72	7	2013	2013	NUM
emaj-238	72	8	to	to	ADP
emaj-238	72	9	2018	2018	NUM
emaj-238	72	10	year	year	NOUN
emaj-238	72	11	premium	premium	NOUN
emaj-238	72	12	income	income	NOUN
emaj-238	72	13	growth	growth	NOUN
emaj-238	72	14	rate	rate	NOUN
emaj-238	72	15	(	(	PUNCT
emaj-238	72	16	ghs	ghs	PROPN
emaj-238	72	17	)	)	PUNCT
emaj-238	72	18	(	(	PUNCT
emaj-238	72	19	%	%	INTJ
emaj-238	72	20	)	)	PUNCT
emaj-238	72	21	2013	2013	NUM
emaj-238	72	22	1,052,090,981	1,052,090,981	NUM
emaj-238	72	23	24	24	NUM
emaj-238	72	24	2014	2014	NUM
emaj-238	72	25	1,239,853,442	1,239,853,442	NUM
emaj-238	72	26	18	18	NUM
emaj-238	72	27	2015	2015	NUM
emaj-238	72	28	1,560,679,185	1,560,679,185	NUM
emaj-238	72	29	26	26	NUM
emaj-238	72	30	2016	2016	NUM
emaj-238	72	31	1,928,838,573	1,928,838,573	NUM
emaj-238	72	32	24	24	NUM
emaj-238	72	33	2017	2017	NUM
emaj-238	72	34	2,400,000,000	2,400,000,000	NUM
emaj-238	72	35	18	18	NUM
emaj-238	72	36	2018	2018	NUM
emaj-238	72	37	2,937,534,716	2,937,534,716	NUM
emaj-238	72	38	29	29	NUM
emaj-238	72	39	source	source	NOUN
emaj-238	72	40	:	:	PUNCT
emaj-238	72	41	nic	nic	ADJ
emaj-238	72	42	,	,	PUNCT
emaj-238	72	43	2018	2018	NUM
emaj-238	72	44	low	low	ADJ
emaj-238	72	45	level	level	NOUN
emaj-238	72	46	of	of	ADP
emaj-238	72	47	insurance	insurance	NOUN
emaj-238	72	48	culture	culture	NOUN
emaj-238	72	49	in	in	ADP
emaj-238	72	50	a	a	DET
emaj-238	72	51	recent	recent	ADJ
emaj-238	72	52	study	study	NOUN
emaj-238	72	53	on	on	ADP
emaj-238	72	54	the	the	DET
emaj-238	72	55	quality	quality	NOUN
emaj-238	72	56	of	of	ADP
emaj-238	72	57	life	life	NOUN
emaj-238	72	58	in	in	ADP
emaj-238	72	59	developing	develop	VERB
emaj-238	72	60	countries	country	NOUN
emaj-238	72	61	in	in	ADP
emaj-238	72	62	south	south	PROPN
emaj-238	72	63	africa	africa	PROPN
emaj-238	72	64	(	(	PUNCT
emaj-238	72	65	moller	moller	PROPN
emaj-238	72	66	,	,	PUNCT
emaj-238	72	67	2013	2013	NUM
emaj-238	72	68	)	)	PUNCT
emaj-238	72	69	,	,	PUNCT
emaj-238	72	70	income	income	NOUN
emaj-238	72	71	and	and	CCONJ
emaj-238	72	72	social	social	ADJ
emaj-238	72	73	security	security	NOUN
emaj-238	72	74	(	(	PUNCT
emaj-238	72	75	own	own	ADJ
emaj-238	72	76	salary	salary	NOUN
emaj-238	72	77	,	,	PUNCT
emaj-238	72	78	family	family	NOUN
emaj-238	72	79	supply	supply	NOUN
emaj-238	72	80	capacity	capacity	NOUN
emaj-238	72	81	,	,	PUNCT
emaj-238	72	82	sickness	sickness	NOUN
emaj-238	72	83	/	/	SYM
emaj-238	72	84	death	death	NOUN
emaj-238	72	85	insurance	insurance	NOUN
emaj-238	72	86	,	,	PUNCT
emaj-238	72	87	and	and	CCONJ
emaj-238	72	88	old	old	ADJ
emaj-238	72	89	-	-	PUNCT
emaj-238	72	90	age	age	NOUN
emaj-238	72	91	income	income	NOUN
emaj-238	72	92	)	)	PUNCT
emaj-238	72	93	were	be	AUX
emaj-238	72	94	treated	treat	VERB
emaj-238	72	95	together	together	ADV
emaj-238	72	96	as	as	ADP
emaj-238	72	97	the	the	DET
emaj-238	72	98	top	top	ADJ
emaj-238	72	99	priority	priority	NOUN
emaj-238	72	100	for	for	ADP
emaj-238	72	101	quality	quality	NOUN
emaj-238	72	102	of	of	ADP
emaj-238	72	103	life	life	NOUN
emaj-238	72	104	.	.	PUNCT
emaj-238	73	1	this	this	DET
emaj-238	73	2	view	view	NOUN
emaj-238	73	3	emphasizes	emphasize	VERB
emaj-238	73	4	the	the	DET
emaj-238	73	5	value	value	NOUN
emaj-238	73	6	of	of	ADP
emaj-238	73	7	insurance	insurance	NOUN
emaj-238	73	8	in	in	ADP
emaj-238	73	9	human	human	ADJ
emaj-238	73	10	life	life	NOUN
emaj-238	73	11	.	.	PUNCT
emaj-238	74	1	however	however	ADV
emaj-238	74	2	,	,	PUNCT
emaj-238	74	3	insurance	insurance	NOUN
emaj-238	74	4	services	service	NOUN
emaj-238	74	5	do	do	AUX
emaj-238	74	6	not	not	PART
emaj-238	74	7	seem	seem	VERB
emaj-238	74	8	to	to	PART
emaj-238	74	9	be	be	AUX
emaj-238	74	10	popular	popular	ADJ
emaj-238	74	11	in	in	ADP
emaj-238	74	12	emerging	emerge	VERB
emaj-238	74	13	countries	country	NOUN
emaj-238	74	14	.	.	PUNCT
emaj-238	75	1	the	the	DET
emaj-238	75	2	poor	poor	ADJ
emaj-238	75	3	state	state	NOUN
emaj-238	75	4	of	of	ADP
emaj-238	75	5	insurance	insurance	NOUN
emaj-238	75	6	culture	culture	NOUN
emaj-238	75	7	in	in	ADP
emaj-238	75	8	developing	develop	VERB
emaj-238	75	9	countries	country	NOUN
emaj-238	75	10	has	have	AUX
emaj-238	75	11	aroused	arouse	VERB
emaj-238	75	12	the	the	DET
emaj-238	75	13	curiosity	curiosity	NOUN
emaj-238	75	14	of	of	ADP
emaj-238	75	15	scholars	scholar	NOUN
emaj-238	75	16	and	and	CCONJ
emaj-238	75	17	practitioners	practitioner	NOUN
emaj-238	75	18	.	.	PUNCT
emaj-238	76	1	risk	risk	NOUN
emaj-238	76	2	has	have	AUX
emaj-238	76	3	been	be	AUX
emaj-238	76	4	regarded	regard	VERB
emaj-238	76	5	as	as	ADP
emaj-238	76	6	a	a	DET
emaj-238	76	7	major	major	ADJ
emaj-238	76	8	feature	feature	NOUN
emaj-238	76	9	of	of	ADP
emaj-238	76	10	life	life	NOUN
emaj-238	76	11	in	in	ADP
emaj-238	76	12	rural	rural	ADJ
emaj-238	76	13	areas	area	NOUN
emaj-238	76	14	of	of	ADP
emaj-238	76	15	underdeveloped	underdeveloped	ADJ
emaj-238	76	16	countries	country	NOUN
emaj-238	76	17	(	(	PUNCT
emaj-238	76	18	udry	udry	ADJ
emaj-238	76	19	,	,	PUNCT
emaj-238	76	20	1994	1994	NUM
emaj-238	76	21	)	)	PUNCT
emaj-238	76	22	.	.	PUNCT
emaj-238	77	1	many	many	ADJ
emaj-238	77	2	of	of	ADP
emaj-238	77	3	the	the	DET
emaj-238	77	4	challenges	challenge	NOUN
emaj-238	77	5	involved	involve	VERB
emaj-238	77	6	are	be	AUX
emaj-238	77	7	related	relate	VERB
emaj-238	77	8	to	to	ADP
emaj-238	77	9	marketing	marketing	NOUN
emaj-238	77	10	.	.	PUNCT
emaj-238	78	1	for	for	ADP
emaj-238	78	2	example	example	NOUN
emaj-238	78	3	,	,	PUNCT
emaj-238	78	4	yusuf	yusuf	PROPN
emaj-238	78	5	,	,	PUNCT
emaj-238	78	6	gbadamosi	gbadamosi	NOUN
emaj-238	78	7	,	,	PUNCT
emaj-238	78	8	and	and	CCONJ
emaj-238	78	9	hamadu	hamadu	ADJ
emaj-238	78	10	(	(	PUNCT
emaj-238	78	11	2009	2009	NUM
emaj-238	78	12	)	)	PUNCT
emaj-238	78	13	evaluated	evaluate	VERB
emaj-238	78	14	the	the	DET
emaj-238	78	15	attitudes	attitude	NOUN
emaj-238	78	16	of	of	ADP
emaj-238	78	17	nigerian	nigerian	ADJ
emaj-238	78	18	consumers	consumer	NOUN
emaj-238	78	19	towards	towards	ADP
emaj-238	78	20	insurance	insurance	NOUN
emaj-238	78	21	sponsorship	sponsorship	NOUN
emaj-238	78	22	,	,	PUNCT
emaj-238	78	23	and	and	CCONJ
emaj-238	78	24	they	they	PRON
emaj-238	78	25	found	find	VERB
emaj-238	78	26	that	that	SCONJ
emaj-238	78	27	they	they	PRON
emaj-238	78	28	lacked	lack	VERB
emaj-238	78	29	trust	trust	NOUN
emaj-238	78	30	and	and	CCONJ
emaj-238	78	31	confidence	confidence	NOUN
emaj-238	78	32	in	in	ADP
emaj-238	78	33	insurance	insurance	NOUN
emaj-238	78	34	companies	company	NOUN
emaj-238	78	35	.	.	PUNCT
emaj-238	79	1	another	another	DET
emaj-238	79	2	key	key	ADJ
emaj-238	79	3	factor	factor	NOUN
emaj-238	79	4	leading	lead	VERB
emaj-238	79	5	to	to	ADP
emaj-238	79	6	this	this	DET
emaj-238	79	7	mentality	mentality	NOUN
emaj-238	79	8	is	be	AUX
emaj-238	79	9	the	the	DET
emaj-238	79	10	scarcity	scarcity	NOUN
emaj-238	79	11	of	of	ADP
emaj-238	79	12	insurance	insurance	NOUN
emaj-238	79	13	product	product	NOUN
emaj-238	79	14	information	information	NOUN
emaj-238	79	15	.	.	PUNCT
emaj-238	80	1	the	the	DET
emaj-238	80	2	deep	deep	ADJ
emaj-238	80	3	insight	insight	NOUN
emaj-238	80	4	of	of	ADP
emaj-238	80	5	the	the	DET
emaj-238	80	6	researchers	researcher	NOUN
emaj-238	80	7	is	be	AUX
emaj-238	80	8	that	that	SCONJ
emaj-238	80	9	this	this	PRON
emaj-238	80	10	involves	involve	VERB
emaj-238	80	11	a	a	DET
emaj-238	80	12	new	new	ADJ
emaj-238	80	13	marketing	marketing	NOUN
emaj-238	80	14	communication	communication	NOUN
emaj-238	80	15	method	method	NOUN
emaj-238	80	16	that	that	PRON
emaj-238	80	17	should	should	AUX
emaj-238	80	18	be	be	AUX
emaj-238	80	19	supported	support	VERB
emaj-238	80	20	by	by	ADP
emaj-238	80	21	raising	raise	VERB
emaj-238	80	22	awareness	awareness	NOUN
emaj-238	80	23	and	and	CCONJ
emaj-238	80	24	informing	inform	VERB
emaj-238	80	25	consumers	consumer	NOUN
emaj-238	80	26	about	about	ADP
emaj-238	80	27	the	the	DET
emaj-238	80	28	benefits	benefit	NOUN
emaj-238	80	29	related	relate	VERB
emaj-238	80	30	to	to	ADP
emaj-238	80	31	insurance	insurance	NOUN
emaj-238	80	32	to	to	PART
emaj-238	80	33	strengthen	strengthen	VERB
emaj-238	80	34	purchasing	purchasing	NOUN
emaj-238	80	35	decisions	decision	NOUN
emaj-238	80	36	.	.	PUNCT
emaj-238	81	1	the	the	DET
emaj-238	81	2	disadvantage	disadvantage	NOUN
emaj-238	81	3	of	of	ADP
emaj-238	81	4	the	the	DET
emaj-238	81	5	study	study	NOUN
emaj-238	81	6	is	be	AUX
emaj-238	81	7	that	that	SCONJ
emaj-238	81	8	it	it	PRON
emaj-238	81	9	fails	fail	VERB
emaj-238	81	10	to	to	PART
emaj-238	81	11	capture	capture	VERB
emaj-238	81	12	attitudes	attitude	NOUN
emaj-238	81	13	towards	towards	ADP
emaj-238	81	14	non	non	ADJ
emaj-238	81	15	-	-	ADJ
emaj-238	81	16	life	life	ADJ
emaj-238	81	17	insurance	insurance	NOUN
emaj-238	81	18	products	product	NOUN
emaj-238	81	19	,	,	PUNCT
emaj-238	81	20	as	as	ADV
emaj-238	81	21	well	well	ADV
emaj-238	81	22	as	as	ADP
emaj-238	81	23	its	its	PRON
emaj-238	81	24	limited	limited	ADJ
emaj-238	81	25	sampling	sampling	NOUN
emaj-238	81	26	,	,	PUNCT
emaj-238	81	27	including	include	VERB
emaj-238	81	28	automobiles	automobile	NOUN
emaj-238	81	29	,	,	PUNCT
emaj-238	81	30	housing	housing	NOUN
emaj-238	81	31	content	content	NOUN
emaj-238	81	32	,	,	PUNCT
emaj-238	81	33	commodities	commodity	NOUN
emaj-238	81	34	in	in	ADP
emaj-238	81	35	transit	transit	NOUN
emaj-238	81	36	,	,	PUNCT
emaj-238	81	37	maritime	maritime	NOUN
emaj-238	81	38	and	and	CCONJ
emaj-238	81	39	aviation	aviation	NOUN
emaj-238	81	40	,	,	PUNCT
emaj-238	81	41	fidelity	fidelity	NOUN
emaj-238	81	42	guarantees	guarantee	NOUN
emaj-238	81	43	,	,	PUNCT
emaj-238	81	44	etc	etc	X
emaj-238	81	45	.	.	X
emaj-238	82	1	however	however	ADV
emaj-238	82	2	,	,	PUNCT
emaj-238	82	3	omar	omar	PROPN
emaj-238	82	4	's	's	PART
emaj-238	82	5	research	research	NOUN
emaj-238	82	6	raises	raise	VERB
emaj-238	82	7	important	important	ADJ
emaj-238	82	8	marketing	marketing	NOUN
emaj-238	82	9	questions	question	NOUN
emaj-238	82	10	for	for	ADP
emaj-238	82	11	insurance	insurance	NOUN
emaj-238	82	12	professionals	professional	NOUN
emaj-238	82	13	(	(	PUNCT
emaj-238	82	14	carrin	carrin	PROPN
emaj-238	82	15	2002	2002	NUM
emaj-238	82	16	;	;	PUNCT
emaj-238	82	17	karolyi	karolyi	NOUN
emaj-238	82	18	,	,	PUNCT
emaj-238	82	19	2016	2016	NUM
emaj-238	82	20	;	;	PUNCT
emaj-238	82	21	chui	chui	PROPN
emaj-238	82	22	and	and	CCONJ
emaj-238	82	23	kwok	kwok	PROPN
emaj-238	82	24	2008	2008	NUM
emaj-238	82	25	)	)	PUNCT
emaj-238	82	26	.	.	PUNCT
emaj-238	83	1	it	it	PRON
emaj-238	83	2	is	be	AUX
emaj-238	83	3	reported	report	VERB
emaj-238	83	4	that	that	SCONJ
emaj-238	83	5	half	half	NOUN
emaj-238	83	6	of	of	ADP
emaj-238	83	7	industrialized	industrialize	VERB
emaj-238	83	8	countries	country	NOUN
emaj-238	83	9	choose	choose	VERB
emaj-238	83	10	social	social	ADJ
emaj-238	83	11	insurance	insurance	NOUN
emaj-238	83	12	as	as	ADP
emaj-238	83	13	their	their	PRON
emaj-238	83	14	medical	medical	ADJ
emaj-238	83	15	financial	financial	ADJ
emaj-238	83	16	system	system	NOUN
emaj-238	83	17	,	,	PUNCT
emaj-238	83	18	emphasizing	emphasize	VERB
emaj-238	83	19	the	the	DET
emaj-238	83	20	necessity	necessity	NOUN
emaj-238	83	21	of	of	ADP
emaj-238	83	22	social	social	ADJ
emaj-238	83	23	insurance	insurance	NOUN
emaj-238	83	24	as	as	ADP
emaj-238	83	25	a	a	DET
emaj-238	83	26	powerful	powerful	ADJ
emaj-238	83	27	means	mean	NOUN
emaj-238	83	28	to	to	PART
emaj-238	83	29	provide	provide	VERB
emaj-238	83	30	fairness	fairness	NOUN
emaj-238	83	31	to	to	ADP
emaj-238	83	32	the	the	DET
emaj-238	83	33	public	public	NOUN
emaj-238	83	34	in	in	ADP
emaj-238	83	35	order	order	NOUN
emaj-238	83	36	to	to	PART
emaj-238	83	37	provide	provide	VERB
emaj-238	83	38	healthy	healthy	ADJ
emaj-238	83	39	opportunities	opportunity	NOUN
emaj-238	83	40	for	for	ADP
emaj-238	83	41	services	service	NOUN
emaj-238	83	42	.	.	PUNCT
emaj-238	84	1	in	in	ADP
emaj-238	84	2	1998	1998	NUM
emaj-238	84	3	,	,	PUNCT
emaj-238	84	4	it	it	PRON
emaj-238	84	5	was	be	AUX
emaj-238	84	6	pointed	point	VERB
emaj-238	84	7	out	out	ADP
emaj-238	84	8	that	that	SCONJ
emaj-238	84	9	no	no	DET
emaj-238	84	10	developing	develop	VERB
emaj-238	84	11	country	country	NOUN
emaj-238	84	12	with	with	ADP
emaj-238	84	13	a	a	DET
emaj-238	84	14	per	per	ADP
emaj-238	84	15	capita	capita	X
emaj-238	84	16	gross	gross	ADJ
emaj-238	84	17	national	national	ADJ
emaj-238	84	18	product	product	NOUN
emaj-238	84	19	(	(	PUNCT
emaj-238	84	20	gnp	gnp	PROPN
emaj-238	84	21	)	)	PUNCT
emaj-238	84	22	of	of	ADP
emaj-238	84	23	less	less	ADJ
emaj-238	84	24	than	than	ADP
emaj-238	84	25	us$761	us$761	NOUN
emaj-238	84	26	had	have	VERB
emaj-238	84	27	a	a	DET
emaj-238	84	28	social	social	ADJ
emaj-238	84	29	insurance	insurance	NOUN
emaj-238	84	30	plan	plan	NOUN
emaj-238	84	31	.	.	PUNCT
emaj-238	85	1	arodiogbu	arodiogbu	PROPN
emaj-238	85	2	(	(	PUNCT
emaj-238	85	3	2005	2005	NUM
emaj-238	85	4	)	)	PUNCT
emaj-238	85	5	used	use	VERB
emaj-238	85	6	the	the	DET
emaj-238	85	7	social	social	ADJ
emaj-238	85	8	insurance	insurance	NOUN
emaj-238	85	9	(	(	PUNCT
emaj-238	85	10	shi	shi	PROPN
emaj-238	85	11	)	)	PUNCT
emaj-238	85	12	program	program	NOUN
emaj-238	85	13	to	to	PART
emaj-238	85	14	address	address	VERB
emaj-238	85	15	the	the	DET
emaj-238	85	16	challenge	challenge	NOUN
emaj-238	85	17	of	of	ADP
emaj-238	85	18	poor	poor	ADJ
emaj-238	85	19	financial	financial	ADJ
emaj-238	85	20	health	health	NOUN
emaj-238	85	21	in	in	ADP
emaj-238	85	22	the	the	DET
emaj-238	85	23	health	health	NOUN
emaj-238	85	24	sector	sector	NOUN
emaj-238	85	25	and	and	CCONJ
emaj-238	85	26	identified	identify	VERB
emaj-238	85	27	many	many	ADJ
emaj-238	85	28	variables	variable	NOUN
emaj-238	85	29	that	that	PRON
emaj-238	85	30	are	be	AUX
emaj-238	85	31	not	not	PART
emaj-238	85	32	conducive	conducive	ADJ
emaj-238	85	33	to	to	ADP
emaj-238	85	34	the	the	DET
emaj-238	85	35	system	system	NOUN
emaj-238	85	36	.	.	PUNCT
emaj-238	86	1	unfortunately	unfortunately	ADV
emaj-238	86	2	,	,	PUNCT
emaj-238	86	3	his	his	PRON
emaj-238	86	4	idea	idea	NOUN
emaj-238	86	5	did	do	AUX
emaj-238	86	6	not	not	PART
emaj-238	86	7	solve	solve	VERB
emaj-238	86	8	the	the	DET
emaj-238	86	9	need	need	NOUN
emaj-238	86	10	for	for	ADP
emaj-238	86	11	public	public	ADJ
emaj-238	86	12	-	-	PUNCT
emaj-238	86	13	private	private	ADJ
emaj-238	86	14	cooperation	cooperation	NOUN
emaj-238	86	15	in	in	ADP
emaj-238	86	16	industrialized	industrialized	ADJ
emaj-238	86	17	countries	country	NOUN
emaj-238	86	18	.	.	PUNCT
emaj-238	87	1	morduch	morduch	PROPN
emaj-238	87	2	(	(	PUNCT
emaj-238	87	3	1994	1994	NUM
emaj-238	87	4	)	)	PUNCT
emaj-238	87	5	took	take	VERB
emaj-238	87	6	banks	bank	NOUN
emaj-238	87	7	as	as	ADP
emaj-238	87	8	an	an	DET
emaj-238	87	9	volume	volume	NOUN
emaj-238	87	10	12	12	NUM
emaj-238	87	11	no	no	DET
emaj-238	87	12	1	1	NUM
emaj-238	87	13	(	(	PUNCT
emaj-238	87	14	2021	2021	NUM
emaj-238	87	15	)	)	PUNCT
emaj-238	87	16	|	|	ADV
emaj-238	87	17	issn	issn	VERB
emaj-238	87	18	2158	2158	NUM
emaj-238	87	19	-	-	SYM
emaj-238	87	20	8708	8708	NUM
emaj-238	87	21	(	(	PUNCT
emaj-238	87	22	online	online	NOUN
emaj-238	87	23	)	)	PUNCT
emaj-238	87	24	|	|	ADV
emaj-238	87	25	doi	doi	X
emaj-238	87	26	10.5195	10.5195	NUM
emaj-238	87	27	/	/	SYM
emaj-238	87	28	emaj.2022.238	emaj.2022.238	NOUN
emaj-238	87	29	|	|	NOUN
emaj-238	87	30	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-238	87	31	cultural	cultural	ADJ
emaj-238	87	32	and	and	CCONJ
emaj-238	87	33	attitudinal	attitudinal	ADJ
emaj-238	87	34	tenets	tenet	NOUN
emaj-238	87	35	of	of	ADP
emaj-238	87	36	ghanaians	ghanaians	PROPN
emaj-238	87	37	on	on	ADP
emaj-238	87	38	insurance	insurance	NOUN
emaj-238	87	39	service	service	NOUN
emaj-238	87	40	:	:	PUNCT
emaj-238	87	41	an	an	DET
emaj-238	87	42	empirical	empirical	ADJ
emaj-238	87	43	study	study	NOUN
emaj-238	87	44	page	page	NOUN
emaj-238	87	45	|16|	|16|	VERB
emaj-238	87	46	emerging	emerge	VERB
emaj-238	87	47	markets	market	NOUN
emaj-238	87	48	journal	journal	PROPN
emaj-238	87	49	example	example	NOUN
emaj-238	87	50	,	,	PUNCT
emaj-238	87	51	emphasizing	emphasize	VERB
emaj-238	87	52	that	that	SCONJ
emaj-238	87	53	the	the	DET
emaj-238	87	54	lack	lack	NOUN
emaj-238	87	55	of	of	ADP
emaj-238	87	56	financial	financial	ADJ
emaj-238	87	57	institutions	institution	NOUN
emaj-238	87	58	in	in	ADP
emaj-238	87	59	low	low	ADJ
emaj-238	87	60	-	-	PUNCT
emaj-238	87	61	income	income	NOUN
emaj-238	87	62	countries	country	NOUN
emaj-238	87	63	is	be	AUX
emaj-238	87	64	one	one	NUM
emaj-238	87	65	of	of	ADP
emaj-238	87	66	the	the	DET
emaj-238	87	67	reasons	reason	NOUN
emaj-238	87	68	for	for	ADP
emaj-238	87	69	the	the	DET
emaj-238	87	70	low	low	ADJ
emaj-238	87	71	insurance	insurance	NOUN
emaj-238	87	72	culture	culture	NOUN
emaj-238	87	73	(	(	PUNCT
emaj-238	87	74	kanagaretnam	kanagaretnam	PROPN
emaj-238	87	75	et	et	PROPN
emaj-238	87	76	al	al	PROPN
emaj-238	87	77	.	.	PROPN
emaj-238	87	78	,	,	PUNCT
emaj-238	87	79	2014	2014	NUM
emaj-238	87	80	;	;	PUNCT
emaj-238	87	81	ashraf	ashraf	VERB
emaj-238	87	82	et	et	PROPN
emaj-238	87	83	al	al	PROPN
emaj-238	87	84	.	.	PROPN
emaj-238	87	85	,	,	PUNCT
emaj-238	87	86	2016	2016	NUM
emaj-238	87	87	;	;	PUNCT
emaj-238	87	88	ashraf	ashraf	NOUN
emaj-238	87	89	and	and	CCONJ
emaj-238	87	90	arshad	arshad	ADJ
emaj-238	87	91	,	,	PUNCT
emaj-238	87	92	2017	2017	NUM
emaj-238	87	93	;	;	PUNCT
emaj-238	87	94	mourouzidou	mourouzidou	NOUN
emaj-238	87	95	-	-	PUNCT
emaj-238	87	96	damtsa	damtsa	NOUN
emaj-238	87	97	et	et	NOUN
emaj-238	87	98	al	al	PROPN
emaj-238	87	99	.	.	PUNCT
emaj-238	88	1	people	people	NOUN
emaj-238	88	2	,	,	PUNCT
emaj-238	88	3	2017	2017	NUM
emaj-238	88	4	)	)	PUNCT
emaj-238	88	5	.	.	PUNCT
emaj-238	89	1	cultural	cultural	ADJ
emaj-238	89	2	factors	factor	NOUN
emaj-238	89	3	and	and	CCONJ
emaj-238	89	4	consumer	consumer	NOUN
emaj-238	89	5	buying	buying	NOUN
emaj-238	89	6	behavior	behavior	NOUN
emaj-238	89	7	it	it	PRON
emaj-238	89	8	has	have	AUX
emaj-238	89	9	been	be	AUX
emaj-238	89	10	found	find	VERB
emaj-238	89	11	that	that	SCONJ
emaj-238	89	12	culture	culture	NOUN
emaj-238	89	13	plays	play	VERB
emaj-238	89	14	a	a	DET
emaj-238	89	15	crucial	crucial	ADJ
emaj-238	89	16	role	role	NOUN
emaj-238	89	17	in	in	ADP
emaj-238	89	18	influencing	influence	VERB
emaj-238	89	19	communication	communication	NOUN
emaj-238	89	20	,	,	PUNCT
emaj-238	89	21	management	management	NOUN
emaj-238	89	22	style	style	NOUN
emaj-238	89	23	,	,	PUNCT
emaj-238	89	24	and	and	CCONJ
emaj-238	89	25	problem	problem	NOUN
emaj-238	89	26	-	-	PUNCT
emaj-238	89	27	solving	solve	VERB
emaj-238	89	28	skills	skill	NOUN
emaj-238	89	29	(	(	PUNCT
emaj-238	89	30	hofstede	hofstede	NOUN
emaj-238	89	31	,	,	PUNCT
emaj-238	89	32	2011	2011	NUM
emaj-238	89	33	;	;	PUNCT
emaj-238	89	34	laroche	laroche	PROPN
emaj-238	89	35	,	,	PUNCT
emaj-238	89	36	2012	2012	NUM
emaj-238	89	37	)	)	PUNCT
emaj-238	89	38	.	.	PUNCT
emaj-238	90	1	each	each	DET
emaj-238	90	2	group	group	NOUN
emaj-238	90	3	or	or	CCONJ
emaj-238	90	4	community	community	NOUN
emaj-238	90	5	has	have	VERB
emaj-238	90	6	its	its	PRON
emaj-238	90	7	own	own	ADJ
emaj-238	90	8	culture	culture	NOUN
emaj-238	90	9	,	,	PUNCT
emaj-238	90	10	and	and	CCONJ
emaj-238	90	11	the	the	DET
emaj-238	90	12	influence	influence	NOUN
emaj-238	90	13	of	of	ADP
emaj-238	90	14	culture	culture	NOUN
emaj-238	90	15	on	on	ADP
emaj-238	90	16	purchasing	purchase	VERB
emaj-238	90	17	behavior	behavior	NOUN
emaj-238	90	18	may	may	AUX
emaj-238	90	19	vary	vary	VERB
emaj-238	90	20	from	from	ADP
emaj-238	90	21	place	place	NOUN
emaj-238	90	22	to	to	ADP
emaj-238	90	23	place	place	NOUN
emaj-238	90	24	.	.	PUNCT
emaj-238	91	1	failure	failure	NOUN
emaj-238	91	2	to	to	PART
emaj-238	91	3	adapt	adapt	VERB
emaj-238	91	4	to	to	ADP
emaj-238	91	5	these	these	DET
emaj-238	91	6	distinctions	distinction	NOUN
emaj-238	91	7	can	can	AUX
emaj-238	91	8	lead	lead	VERB
emaj-238	91	9	to	to	ADP
emaj-238	91	10	poor	poor	ADJ
emaj-238	91	11	marketing	marketing	NOUN
emaj-238	91	12	or	or	CCONJ
emaj-238	91	13	embarrassing	embarrassing	ADJ
emaj-238	91	14	gaffes	gaffe	NOUN
emaj-238	91	15	.	.	PUNCT
emaj-238	92	1	many	many	ADJ
emaj-238	92	2	studies	study	NOUN
emaj-238	92	3	have	have	AUX
emaj-238	92	4	shown	show	VERB
emaj-238	92	5	that	that	SCONJ
emaj-238	92	6	culture	culture	NOUN
emaj-238	92	7	affects	affect	VERB
emaj-238	92	8	marketing	marketing	NOUN
emaj-238	92	9	and	and	CCONJ
emaj-238	92	10	customer	customer	NOUN
emaj-238	92	11	buying	buying	NOUN
emaj-238	92	12	behavior	behavior	NOUN
emaj-238	92	13	(	(	PUNCT
emaj-238	92	14	nayeem	nayeem	PROPN
emaj-238	92	15	,	,	PUNCT
emaj-238	92	16	2012	2012	NUM
emaj-238	92	17	;	;	PUNCT
emaj-238	92	18	spiers	spier	NOUN
emaj-238	92	19	,	,	PUNCT
emaj-238	92	20	gundala	gundala	PROPN
emaj-238	92	21	,	,	PUNCT
emaj-238	92	22	and	and	CCONJ
emaj-238	92	23	singh	singh	PROPN
emaj-238	92	24	,	,	PUNCT
emaj-238	92	25	2014	2014	NUM
emaj-238	92	26	;	;	PUNCT
emaj-238	92	27	wursten	wursten	ADJ
emaj-238	92	28	and	and	CCONJ
emaj-238	92	29	fadrhonc	fadrhonc	ADJ
emaj-238	92	30	,	,	PUNCT
emaj-238	92	31	2012	2012	NUM
emaj-238	92	32	;	;	PUNCT
emaj-238	92	33	yakup	yakup	NOUN
emaj-238	92	34	,	,	PUNCT
emaj-238	92	35	mucahit	mucahit	ADJ
emaj-238	92	36	,	,	PUNCT
emaj-238	92	37	and	and	CCONJ
emaj-238	92	38	reyhan	reyhan	PROPN
emaj-238	92	39	,	,	PUNCT
emaj-238	92	40	2011	2011	NUM
emaj-238	92	41	)	)	PUNCT
emaj-238	92	42	.	.	PUNCT
emaj-238	93	1	marketers	marketer	NOUN
emaj-238	93	2	in	in	ADP
emaj-238	93	3	the	the	DET
emaj-238	93	4	international	international	ADJ
emaj-238	93	5	and	and	CCONJ
emaj-238	93	6	domestic	domestic	ADJ
emaj-238	93	7	markets	market	NOUN
emaj-238	93	8	must	must	AUX
emaj-238	93	9	master	master	VERB
emaj-238	93	10	the	the	DET
emaj-238	93	11	culture	culture	NOUN
emaj-238	93	12	of	of	ADP
emaj-238	93	13	their	their	PRON
emaj-238	93	14	respective	respective	ADJ
emaj-238	93	15	markets	market	NOUN
emaj-238	93	16	and	and	CCONJ
emaj-238	93	17	adjust	adjust	VERB
emaj-238	93	18	their	their	PRON
emaj-238	93	19	marketing	marketing	NOUN
emaj-238	93	20	skills	skill	NOUN
emaj-238	93	21	accordingly	accordingly	ADV
emaj-238	93	22	.	.	PUNCT
emaj-238	94	1	marketers	marketer	NOUN
emaj-238	94	2	are	be	AUX
emaj-238	94	3	always	always	ADV
emaj-238	94	4	looking	look	VERB
emaj-238	94	5	for	for	ADP
emaj-238	94	6	cultural	cultural	ADJ
emaj-238	94	7	changes	change	NOUN
emaj-238	94	8	in	in	ADP
emaj-238	94	9	order	order	NOUN
emaj-238	94	10	to	to	PART
emaj-238	94	11	launch	launch	VERB
emaj-238	94	12	new	new	ADJ
emaj-238	94	13	products	product	NOUN
emaj-238	94	14	that	that	PRON
emaj-238	94	15	are	be	AUX
emaj-238	94	16	in	in	ADP
emaj-238	94	17	demand	demand	NOUN
emaj-238	94	18	.	.	PUNCT
emaj-238	95	1	several	several	ADJ
emaj-238	95	2	previous	previous	ADJ
emaj-238	95	3	studies	study	NOUN
emaj-238	95	4	have	have	AUX
emaj-238	95	5	considered	consider	VERB
emaj-238	95	6	consumer	consumer	NOUN
emaj-238	95	7	culture	culture	NOUN
emaj-238	95	8	as	as	ADP
emaj-238	95	9	a	a	DET
emaj-238	95	10	factor	factor	NOUN
emaj-238	95	11	that	that	PRON
emaj-238	95	12	encourages	encourage	VERB
emaj-238	95	13	spontaneous	spontaneous	ADJ
emaj-238	95	14	purchases	purchase	NOUN
emaj-238	95	15	(	(	PUNCT
emaj-238	95	16	abratt	abratt	NOUN
emaj-238	95	17	and	and	CCONJ
emaj-238	95	18	goodey	goodey	VERB
emaj-238	95	19	,	,	PUNCT
emaj-238	95	20	1990	1990	NUM
emaj-238	95	21	;	;	PUNCT
emaj-238	95	22	kacen	kacen	PROPN
emaj-238	95	23	and	and	CCONJ
emaj-238	95	24	lee	lee	PROPN
emaj-238	95	25	,	,	PUNCT
emaj-238	95	26	2002	2002	NUM
emaj-238	95	27	)	)	PUNCT
emaj-238	95	28	.	.	PUNCT
emaj-238	96	1	according	accord	VERB
emaj-238	96	2	to	to	ADP
emaj-238	96	3	the	the	DET
emaj-238	96	4	cross	cross	ADJ
emaj-238	96	5	-	-	ADJ
emaj-238	96	6	cultural	cultural	ADJ
emaj-238	96	7	research	research	NOUN
emaj-238	96	8	of	of	ADP
emaj-238	96	9	abratt	abratt	PROPN
emaj-238	96	10	and	and	CCONJ
emaj-238	96	11	goodey	goodey	PROPN
emaj-238	96	12	(	(	PUNCT
emaj-238	96	13	1990	1990	NUM
emaj-238	96	14	)	)	PUNCT
emaj-238	96	15	,	,	PUNCT
emaj-238	96	16	instore	instore	NOUN
emaj-238	96	17	cues	cue	NOUN
emaj-238	96	18	are	be	AUX
emaj-238	96	19	essential	essential	ADJ
emaj-238	96	20	to	to	PART
emaj-238	96	21	promote	promote	VERB
emaj-238	96	22	cross	cross	ADJ
emaj-238	96	23	-	-	ADJ
emaj-238	96	24	cultural	cultural	ADJ
emaj-238	96	25	impulse	impulse	ADJ
emaj-238	96	26	buying	buying	NOUN
emaj-238	96	27	.	.	PUNCT
emaj-238	97	1	in	in	ADP
emaj-238	97	2	a	a	DET
emaj-238	97	3	multinational	multinational	ADJ
emaj-238	97	4	consumer	consumer	NOUN
emaj-238	97	5	survey	survey	NOUN
emaj-238	97	6	,	,	PUNCT
emaj-238	97	7	kacen	kacen	PROPN
emaj-238	97	8	and	and	CCONJ
emaj-238	97	9	lee	lee	PROPN
emaj-238	97	10	(	(	PUNCT
emaj-238	97	11	2002	2002	NUM
emaj-238	97	12	)	)	PUNCT
emaj-238	97	13	found	find	VERB
emaj-238	97	14	that	that	SCONJ
emaj-238	97	15	the	the	DET
emaj-238	97	16	characteristics	characteristic	NOUN
emaj-238	97	17	of	of	ADP
emaj-238	97	18	individualistic	individualistic	ADJ
emaj-238	97	19	groups	group	NOUN
emaj-238	97	20	’	'	PUNCT
emaj-238	97	21	impulse	impulse	ADJ
emaj-238	97	22	buying	buying	NOUN
emaj-238	97	23	behaviors	behavior	NOUN
emaj-238	97	24	are	be	AUX
emaj-238	97	25	more	more	ADV
emaj-238	97	26	strongly	strongly	ADV
emaj-238	97	27	correlated	correlate	VERB
emaj-238	97	28	with	with	ADP
emaj-238	97	29	impulse	impulse	ADJ
emaj-238	97	30	buying	buying	NOUN
emaj-238	97	31	behaviors	behavior	NOUN
emaj-238	97	32	than	than	ADP
emaj-238	97	33	those	those	PRON
emaj-238	97	34	of	of	ADP
emaj-238	97	35	collectivist	collectivist	ADJ
emaj-238	97	36	groups	group	NOUN
emaj-238	97	37	.	.	PUNCT
emaj-238	98	1	cultural	cultural	ADJ
emaj-238	98	2	factors	factor	NOUN
emaj-238	98	3	play	play	VERB
emaj-238	98	4	an	an	DET
emaj-238	98	5	important	important	ADJ
emaj-238	98	6	role	role	NOUN
emaj-238	98	7	in	in	ADP
emaj-238	98	8	many	many	ADJ
emaj-238	98	9	aspects	aspect	NOUN
emaj-238	98	10	of	of	ADP
emaj-238	98	11	consumer	consumer	NOUN
emaj-238	98	12	impulsive	impulsive	ADJ
emaj-238	98	13	buying	buying	NOUN
emaj-238	98	14	behaviors	behavior	NOUN
emaj-238	98	15	.	.	PUNCT
emaj-238	99	1	purchase	purchase	NOUN
emaj-238	99	2	intention	intention	NOUN
emaj-238	99	3	in	in	ADP
emaj-238	99	4	a	a	DET
emaj-238	99	5	buying	buying	NOUN
emaj-238	99	6	decision	decision	NOUN
emaj-238	99	7	,	,	PUNCT
emaj-238	99	8	the	the	DET
emaj-238	99	9	famously	famously	ADV
emaj-238	99	10	cited	cite	VERB
emaj-238	99	11	bashir	bashir	NOUN
emaj-238	99	12	,	,	PUNCT
emaj-238	99	13	(	(	PUNCT
emaj-238	99	14	2019	2019	NUM
emaj-238	99	15	)	)	PUNCT
emaj-238	99	16	describes	describe	VERB
emaj-238	99	17	purchasing	purchase	VERB
emaj-238	99	18	intention	intention	NOUN
emaj-238	99	19	as	as	ADP
emaj-238	99	20	the	the	DET
emaj-238	99	21	likeliness	likeliness	NOUN
emaj-238	99	22	of	of	ADP
emaj-238	99	23	the	the	DET
emaj-238	99	24	consumer	consumer	NOUN
emaj-238	99	25	to	to	PART
emaj-238	99	26	choose	choose	VERB
emaj-238	99	27	from	from	ADP
emaj-238	99	28	a	a	DET
emaj-238	99	29	pool	pool	NOUN
emaj-238	99	30	of	of	ADP
emaj-238	99	31	brand	brand	NOUN
emaj-238	99	32	choices	choice	NOUN
emaj-238	99	33	(	(	PUNCT
emaj-238	99	34	ghalandari	ghalandari	NOUN
emaj-238	99	35	and	and	CCONJ
emaj-238	99	36	norouzi	norouzi	PROPN
emaj-238	99	37	,	,	PUNCT
emaj-238	99	38	2012	2012	NUM
emaj-238	99	39	)	)	PUNCT
emaj-238	99	40	.	.	PUNCT
emaj-238	100	1	it	it	PRON
emaj-238	100	2	reflects	reflect	VERB
emaj-238	100	3	a	a	DET
emaj-238	100	4	customer	customer	NOUN
emaj-238	100	5	's	's	PART
emaj-238	100	6	quest	quest	NOUN
emaj-238	100	7	to	to	PART
emaj-238	100	8	make	make	VERB
emaj-238	100	9	a	a	DET
emaj-238	100	10	purchase	purchase	NOUN
emaj-238	100	11	(	(	PUNCT
emaj-238	100	12	diallo	diallo	PROPN
emaj-238	100	13	,	,	PUNCT
emaj-238	100	14	2012	2012	NUM
emaj-238	100	15	)	)	PUNCT
emaj-238	100	16	.	.	PUNCT
emaj-238	101	1	the	the	DET
emaj-238	101	2	purpose	purpose	NOUN
emaj-238	101	3	of	of	ADP
emaj-238	101	4	purchasing	purchasing	NOUN
emaj-238	101	5	triggers	trigger	VERB
emaj-238	101	6	the	the	DET
emaj-238	101	7	consumer	consumer	NOUN
emaj-238	101	8	's	's	PART
emaj-238	101	9	ability	ability	NOUN
emaj-238	101	10	to	to	PART
emaj-238	101	11	make	make	VERB
emaj-238	101	12	personal	personal	ADJ
emaj-238	101	13	decisions	decision	NOUN
emaj-238	101	14	about	about	ADP
emaj-238	101	15	what	what	PRON
emaj-238	101	16	to	to	PART
emaj-238	101	17	purchase	purchase	VERB
emaj-238	101	18	and	and	CCONJ
emaj-238	101	19	what	what	PRON
emaj-238	101	20	to	to	PART
emaj-238	101	21	choose	choose	VERB
emaj-238	101	22	after	after	ADP
emaj-238	101	23	assessment	assessment	NOUN
emaj-238	101	24	(	(	PUNCT
emaj-238	101	25	hanzaee	hanzaee	VERB
emaj-238	101	26	et	et	PROPN
emaj-238	101	27	al	al	PROPN
emaj-238	101	28	.	.	PROPN
emaj-238	101	29	,	,	PUNCT
emaj-238	101	30	2014	2014	NUM
emaj-238	101	31	;	;	PUNCT
emaj-238	101	32	revzani	revzani	PROPN
emaj-238	101	33	et	et	PROPN
emaj-238	101	34	al	al	PROPN
emaj-238	101	35	.	.	PROPN
emaj-238	101	36	,	,	PUNCT
emaj-238	101	37	2012	2012	NUM
emaj-238	101	38	)	)	PUNCT
emaj-238	101	39	.	.	PUNCT
emaj-238	102	1	a	a	DET
emaj-238	102	2	consumer	consumer	NOUN
emaj-238	102	3	's	's	PART
emaj-238	102	4	buying	buying	NOUN
emaj-238	102	5	intention	intention	NOUN
emaj-238	102	6	is	be	AUX
emaj-238	102	7	affected	affect	VERB
emaj-238	102	8	by	by	ADP
emaj-238	102	9	extrinsic	extrinsic	ADJ
emaj-238	102	10	and	and	CCONJ
emaj-238	102	11	intrinsic	intrinsic	ADJ
emaj-238	102	12	signals	signal	NOUN
emaj-238	102	13	such	such	ADJ
emaj-238	102	14	as	as	ADP
emaj-238	102	15	brand	brand	NOUN
emaj-238	102	16	,	,	PUNCT
emaj-238	102	17	price	price	NOUN
emaj-238	102	18	,	,	PUNCT
emaj-238	102	19	and	and	CCONJ
emaj-238	102	20	product	product	NOUN
emaj-238	102	21	characteristics	characteristic	NOUN
emaj-238	102	22	(	(	PUNCT
emaj-238	102	23	luo	luo	PROPN
emaj-238	102	24	et	et	PROPN
emaj-238	102	25	al	al	PROPN
emaj-238	102	26	.	.	PROPN
emaj-238	102	27	,	,	PUNCT
emaj-238	102	28	2020	2020	NUM
emaj-238	102	29	;	;	PUNCT
emaj-238	102	30	das	das	PROPN
emaj-238	102	31	,	,	PUNCT
emaj-238	102	32	2015	2015	NUM
emaj-238	102	33	)	)	PUNCT
emaj-238	102	34	.	.	PUNCT
emaj-238	103	1	although	although	SCONJ
emaj-238	103	2	consumers	consumer	NOUN
emaj-238	103	3	may	may	AUX
emaj-238	103	4	be	be	AUX
emaj-238	103	5	encouraged	encourage	VERB
emaj-238	103	6	to	to	PART
emaj-238	103	7	provide	provide	VERB
emaj-238	103	8	detailed	detailed	ADJ
emaj-238	103	9	and	and	CCONJ
emaj-238	103	10	accurate	accurate	ADJ
emaj-238	103	11	information	information	NOUN
emaj-238	103	12	about	about	ADP
emaj-238	103	13	an	an	DET
emaj-238	103	14	offering	offering	NOUN
emaj-238	103	15	with	with	ADP
emaj-238	103	16	intrinsic	intrinsic	ADJ
emaj-238	103	17	indications	indication	NOUN
emaj-238	103	18	,	,	PUNCT
emaj-238	103	19	these	these	DET
emaj-238	103	20	indications	indication	NOUN
emaj-238	103	21	may	may	AUX
emaj-238	103	22	be	be	AUX
emaj-238	103	23	absent	absent	ADJ
emaj-238	103	24	at	at	ADP
emaj-238	103	25	the	the	DET
emaj-238	103	26	point	point	NOUN
emaj-238	103	27	of	of	ADP
emaj-238	103	28	purchase	purchase	NOUN
emaj-238	103	29	and	and	CCONJ
emaj-238	103	30	consumers	consumer	NOUN
emaj-238	103	31	may	may	AUX
emaj-238	103	32	settle	settle	VERB
emaj-238	103	33	on	on	ADP
emaj-238	103	34	extrinsic	extrinsic	ADJ
emaj-238	103	35	characteristics	characteristic	NOUN
emaj-238	103	36	to	to	PART
emaj-238	103	37	assess	assess	VERB
emaj-238	103	38	their	their	PRON
emaj-238	103	39	purpose	purpose	NOUN
emaj-238	103	40	and	and	CCONJ
emaj-238	103	41	decision	decision	NOUN
emaj-238	103	42	to	to	PART
emaj-238	103	43	purchase	purchase	VERB
emaj-238	103	44	(	(	PUNCT
emaj-238	103	45	rezvani	rezvani	NOUN
emaj-238	103	46	,	,	PUNCT
emaj-238	103	47	dehkordi	dehkordi	NOUN
emaj-238	103	48	,	,	PUNCT
emaj-238	103	49	rahman	rahman	PROPN
emaj-238	103	50	,	,	PUNCT
emaj-238	103	51	and	and	CCONJ
emaj-238	103	52	eghtebasi	eghtebasi	NOUN
emaj-238	103	53	,	,	PUNCT
emaj-238	103	54	2012	2012	NUM
emaj-238	103	55	)	)	PUNCT
emaj-238	103	56	.	.	PUNCT
emaj-238	104	1	price	price	NOUN
emaj-238	104	2	is	be	AUX
emaj-238	104	3	automatically	automatically	ADV
emaj-238	104	4	the	the	DET
emaj-238	104	5	common	common	ADJ
emaj-238	104	6	factor	factor	NOUN
emaj-238	104	7	that	that	PRON
emaj-238	104	8	affects	affect	VERB
emaj-238	104	9	the	the	DET
emaj-238	104	10	consumer	consumer	NOUN
emaj-238	104	11	's	's	PART
emaj-238	104	12	evaluation	evaluation	NOUN
emaj-238	104	13	and	and	CCONJ
emaj-238	104	14	purchasing	purchase	VERB
emaj-238	104	15	decision	decision	NOUN
emaj-238	104	16	(	(	PUNCT
emaj-238	104	17	ryu	ryu	NOUN
emaj-238	104	18	and	and	CCONJ
emaj-238	104	19	han	han	PROPN
emaj-238	104	20	,	,	PUNCT
emaj-238	104	21	2010	2010	NUM
emaj-238	104	22	)	)	PUNCT
emaj-238	104	23	.	.	PUNCT
emaj-238	105	1	the	the	DET
emaj-238	105	2	bounteous	bounteous	ADJ
emaj-238	105	3	experiments	experiment	NOUN
emaj-238	105	4	involving	involve	VERB
emaj-238	105	5	the	the	DET
emaj-238	105	6	intention	intention	NOUN
emaj-238	105	7	to	to	PART
emaj-238	105	8	buy	buy	VERB
emaj-238	105	9	in	in	ADP
emaj-238	105	10	marketing	marketing	NOUN
emaj-238	105	11	were	be	AUX
emaj-238	105	12	borrowed	borrow	VERB
emaj-238	105	13	from	from	ADP
emaj-238	105	14	behavioral	behavioral	ADJ
emaj-238	105	15	science	science	NOUN
emaj-238	105	16	,	,	PUNCT
emaj-238	105	17	specifically	specifically	ADV
emaj-238	105	18	the	the	DET
emaj-238	105	19	theory	theory	NOUN
emaj-238	105	20	of	of	ADP
emaj-238	105	21	fishbein	fishbein	NOUN
emaj-238	105	22	and	and	CCONJ
emaj-238	105	23	ajzen	ajzen	NOUN
emaj-238	105	24	(	(	PUNCT
emaj-238	105	25	1975	1975	NUM
emaj-238	105	26	)	)	PUNCT
emaj-238	105	27	,	,	PUNCT
emaj-238	105	28	which	which	PRON
emaj-238	105	29	claims	claim	VERB
emaj-238	105	30	that	that	SCONJ
emaj-238	105	31	the	the	DET
emaj-238	105	32	intention	intention	NOUN
emaj-238	105	33	of	of	ADP
emaj-238	105	34	a	a	DET
emaj-238	105	35	person	person	NOUN
emaj-238	105	36	to	to	PART
emaj-238	105	37	conduct	conduct	VERB
emaj-238	105	38	an	an	DET
emaj-238	105	39	action	action	NOUN
emaj-238	105	40	is	be	AUX
emaj-238	105	41	the	the	DET
emaj-238	105	42	only	only	ADJ
emaj-238	105	43	indicator	indicator	NOUN
emaj-238	105	44	of	of	ADP
emaj-238	105	45	the	the	DET
emaj-238	105	46	measure	measure	NOUN
emaj-238	105	47	of	of	ADP
emaj-238	105	48	the	the	DET
emaj-238	105	49	behavior	behavior	NOUN
emaj-238	105	50	of	of	ADP
emaj-238	105	51	the	the	DET
emaj-238	105	52	individual	individual	NOUN
emaj-238	105	53	.	.	PUNCT
emaj-238	106	1	hence	hence	ADV
emaj-238	106	2	,	,	PUNCT
emaj-238	106	3	to	to	PART
emaj-238	106	4	explain	explain	VERB
emaj-238	106	5	this	this	DET
emaj-238	106	6	phenomenon	phenomenon	NOUN
emaj-238	106	7	,	,	PUNCT
emaj-238	106	8	wang	wang	PROPN
emaj-238	106	9	and	and	CCONJ
emaj-238	106	10	yang	yang	PROPN
emaj-238	106	11	(	(	PUNCT
emaj-238	106	12	2008	2008	NUM
emaj-238	106	13	)	)	PUNCT
emaj-238	106	14	have	have	AUX
emaj-238	106	15	widely	widely	ADV
emaj-238	106	16	adopted	adopt	VERB
emaj-238	106	17	the	the	DET
emaj-238	106	18	principle	principle	NOUN
emaj-238	106	19	of	of	ADP
emaj-238	106	20	reasoned	reasoned	ADJ
emaj-238	106	21	action	action	NOUN
emaj-238	106	22	.	.	PUNCT
emaj-238	107	1	for	for	ADP
emaj-238	107	2	his	his	PRON
emaj-238	107	3	behavioral	behavioral	ADJ
emaj-238	107	4	purpose	purpose	NOUN
emaj-238	107	5	model	model	NOUN
emaj-238	107	6	,	,	PUNCT
emaj-238	107	7	fishbein	fishbein	PROPN
emaj-238	107	8	(	(	PUNCT
emaj-238	107	9	1990	1990	NUM
emaj-238	107	10	)	)	PUNCT
emaj-238	107	11	earlier	early	ADV
emaj-238	107	12	adopted	adopt	VERB
emaj-238	107	13	dulany	dulany	PROPN
emaj-238	107	14	's	's	PART
emaj-238	107	15	theory	theory	NOUN
emaj-238	107	16	of	of	ADP
emaj-238	107	17	propositional	propositional	ADJ
emaj-238	107	18	control	control	NOUN
emaj-238	107	19	(	(	PUNCT
emaj-238	107	20	1967	1967	NUM
emaj-238	107	21	)	)	PUNCT
emaj-238	107	22	to	to	PART
emaj-238	107	23	posit	posit	VERB
emaj-238	107	24	that	that	SCONJ
emaj-238	107	25	the	the	DET
emaj-238	107	26	purpose	purpose	NOUN
emaj-238	107	27	of	of	ADP
emaj-238	107	28	individual	individual	NOUN
emaj-238	107	29	to	to	PART
emaj-238	107	30	perform	perform	VERB
emaj-238	107	31	a	a	DET
emaj-238	107	32	behavior	behavior	NOUN
emaj-238	107	33	arises	arise	VERB
emaj-238	107	34	as	as	ADP
emaj-238	107	35	a	a	DET
emaj-238	107	36	function	function	NOUN
emaj-238	107	37	of	of	ADP
emaj-238	107	38	his	his	PRON
emaj-238	107	39	attitude	attitude	NOUN
emaj-238	107	40	toward	toward	ADP
emaj-238	107	41	performing	perform	VERB
emaj-238	107	42	the	the	DET
emaj-238	107	43	behavior	behavior	NOUN
emaj-238	107	44	under	under	ADP
emaj-238	107	45	a	a	DET
emaj-238	107	46	given	give	VERB
emaj-238	107	47	circumstance	circumstance	NOUN
emaj-238	107	48	.	.	PUNCT
emaj-238	108	1	several	several	ADJ
emaj-238	108	2	researchers	researcher	NOUN
emaj-238	108	3	have	have	AUX
emaj-238	108	4	found	find	VERB
emaj-238	108	5	that	that	SCONJ
emaj-238	108	6	customer	customer	NOUN
emaj-238	108	7	purchasing	purchasing	NOUN
emaj-238	108	8	intent	intent	NOUN
emaj-238	108	9	is	be	AUX
emaj-238	108	10	not	not	PART
emaj-238	108	11	an	an	DET
emaj-238	108	12	involuntary	involuntary	ADJ
emaj-238	108	13	behavior	behavior	NOUN
emaj-238	108	14	,	,	PUNCT
emaj-238	108	15	but	but	CCONJ
emaj-238	108	16	is	be	AUX
emaj-238	108	17	an	an	DET
emaj-238	108	18	essential	essential	ADJ
emaj-238	108	19	factor	factor	NOUN
emaj-238	108	20	in	in	ADP
emaj-238	108	21	recognizing	recognize	VERB
emaj-238	108	22	,	,	PUNCT
emaj-238	108	23	assessing	assess	VERB
emaj-238	108	24	and	and	CCONJ
emaj-238	108	25	evaluating	evaluate	VERB
emaj-238	108	26	alternatives	alternative	NOUN
emaj-238	108	27	with	with	ADP
emaj-238	108	28	price	price	NOUN
emaj-238	108	29	remaining	remain	VERB
emaj-238	108	30	(	(	PUNCT
emaj-238	108	31	silva	silva	NOUN
emaj-238	108	32	et	et	PROPN
emaj-238	108	33	al	al	PROPN
emaj-238	108	34	.	.	PROPN
emaj-238	108	35	,	,	PUNCT
emaj-238	108	36	2019	2019	NUM
emaj-238	108	37	;	;	PUNCT
emaj-238	109	1	noh	noh	PROPN
emaj-238	109	2	et	et	PROPN
emaj-238	109	3	al	al	PROPN
emaj-238	109	4	.	.	PROPN
emaj-238	109	5	,	,	PUNCT
emaj-238	109	6	2017	2017	NUM
emaj-238	109	7	;	;	PUNCT
emaj-238	109	8	li	li	PROPN
emaj-238	109	9	et	et	PROPN
emaj-238	109	10	al	al	PROPN
emaj-238	109	11	.	.	PROPN
emaj-238	109	12	,	,	PUNCT
emaj-238	109	13	2020	2020	NUM
emaj-238	109	14	;	;	PUNCT
emaj-238	109	15	moser	moser	PROPN
emaj-238	109	16	,	,	PUNCT
emaj-238	109	17	2016	2016	NUM
emaj-238	109	18	)	)	PUNCT
emaj-238	109	19	.	.	PUNCT
emaj-238	110	1	the	the	DET
emaj-238	110	2	definition	definition	NOUN
emaj-238	110	3	of	of	ADP
emaj-238	110	4	revzani	revzani	PROPN
emaj-238	110	5	et	et	PROPN
emaj-238	110	6	al	al	PROPN
emaj-238	110	7	.	.	PROPN
emaj-238	110	8	(	(	PUNCT
emaj-238	110	9	2012	2012	NUM
emaj-238	110	10	)	)	PUNCT
emaj-238	110	11	for	for	ADP
emaj-238	110	12	purchasing	purchase	VERB
emaj-238	110	13	intention	intention	NOUN
emaj-238	110	14	will	will	AUX
emaj-238	110	15	be	be	AUX
emaj-238	110	16	adopted	adopt	VERB
emaj-238	110	17	for	for	ADP
emaj-238	110	18	the	the	DET
emaj-238	110	19	purpose	purpose	NOUN
emaj-238	110	20	of	of	ADP
emaj-238	110	21	this	this	DET
emaj-238	110	22	study	study	NOUN
emaj-238	110	23	as	as	ADP
emaj-238	110	24	the	the	DET
emaj-238	110	25	willingness	willingness	NOUN
emaj-238	110	26	of	of	ADP
emaj-238	110	27	consumers	consumer	NOUN
emaj-238	110	28	to	to	PART
emaj-238	110	29	take	take	VERB
emaj-238	110	30	personal	personal	ADJ
emaj-238	110	31	action	action	NOUN
emaj-238	110	32	against	against	ADP
emaj-238	110	33	a	a	DET
emaj-238	110	34	specific	specific	ADJ
emaj-238	110	35	brand	brand	NOUN
emaj-238	110	36	.	.	PUNCT
emaj-238	111	1	this	this	PRON
emaj-238	111	2	basically	basically	ADV
emaj-238	111	3	explains	explain	VERB
emaj-238	111	4	what	what	PRON
emaj-238	111	5	they	they	PRON
emaj-238	111	6	think	think	VERB
emaj-238	111	7	consumers	consumer	NOUN
emaj-238	111	8	are	be	AUX
emaj-238	111	9	going	go	VERB
emaj-238	111	10	to	to	PART
emaj-238	111	11	buy	buy	VERB
emaj-238	111	12	.	.	PUNCT
emaj-238	112	1	attitude	attitude	NOUN
emaj-238	112	2	,	,	PUNCT
emaj-238	112	3	perception	perception	NOUN
emaj-238	112	4	and	and	CCONJ
emaj-238	112	5	awareness	awareness	NOUN
emaj-238	112	6	attitude	attitude	NOUN
emaj-238	112	7	is	be	AUX
emaj-238	112	8	a	a	DET
emaj-238	112	9	psychological	psychological	ADJ
emaj-238	112	10	path	path	NOUN
emaj-238	112	11	that	that	PRON
emaj-238	112	12	determines	determine	VERB
emaj-238	112	13	a	a	DET
emaj-238	112	14	person	person	NOUN
emaj-238	112	15	's	's	PART
emaj-238	112	16	likes	like	NOUN
emaj-238	112	17	or	or	CCONJ
emaj-238	112	18	dislikes	dislike	NOUN
emaj-238	112	19	for	for	ADP
emaj-238	112	20	a	a	DET
emaj-238	112	21	given	give	VERB
emaj-238	112	22	object	object	NOUN
emaj-238	112	23	(	(	PUNCT
emaj-238	112	24	eagly	eagly	ADV
emaj-238	112	25	and	and	CCONJ
emaj-238	112	26	chaiken	chaiken	VERB
emaj-238	112	27	,	,	PUNCT
emaj-238	112	28	2007	2007	NUM
emaj-238	112	29	)	)	PUNCT
emaj-238	112	30	.	.	PUNCT
emaj-238	113	1	the	the	DET
emaj-238	113	2	theory	theory	NOUN
emaj-238	113	3	of	of	ADP
emaj-238	113	4	planned	plan	VERB
emaj-238	113	5	behavior	behavior	NOUN
emaj-238	113	6	is	be	AUX
emaj-238	113	7	essential	essential	ADJ
emaj-238	113	8	,	,	PUNCT
emaj-238	113	9	because	because	SCONJ
emaj-238	113	10	it	it	PRON
emaj-238	113	11	addresses	address	VERB
emaj-238	113	12	the	the	DET
emaj-238	113	13	shortcomings	shortcoming	NOUN
emaj-238	113	14	of	of	ADP
emaj-238	113	15	tra	tra	NOUN
emaj-238	113	16	in	in	ADP
emaj-238	113	17	management	management	NOUN
emaj-238	113	18	behavior	behavior	NOUN
emaj-238	113	19	by	by	ADP
emaj-238	113	20	requiring	require	VERB
emaj-238	113	21	individuals	individual	NOUN
emaj-238	113	22	to	to	PART
emaj-238	113	23	make	make	VERB
emaj-238	113	24	conscious	conscious	ADJ
emaj-238	113	25	decisions	decision	NOUN
emaj-238	113	26	(	(	PUNCT
emaj-238	113	27	ajzen	ajzen	NOUN
emaj-238	113	28	,	,	PUNCT
emaj-238	113	29	1991	1991	NUM
emaj-238	113	30	)	)	PUNCT
emaj-238	113	31	.	.	PUNCT
emaj-238	114	1	ghani	ghani	PROPN
emaj-238	114	2	,	,	PUNCT
emaj-238	114	3	rusli	rusli	PROPN
emaj-238	114	4	,	,	PUNCT
emaj-238	114	5	biak	biak	PROPN
emaj-238	114	6	,	,	PUNCT
emaj-238	114	7	and	and	CCONJ
emaj-238	114	8	idris	idris	PROPN
emaj-238	114	9	(	(	PUNCT
emaj-238	114	10	2013	2013	NUM
emaj-238	114	11	)	)	PUNCT
emaj-238	114	12	continue	continue	VERB
emaj-238	114	13	to	to	PART
emaj-238	114	14	say	say	VERB
emaj-238	114	15	that	that	SCONJ
emaj-238	114	16	before	before	ADP
emaj-238	114	17	acting	act	VERB
emaj-238	114	18	,	,	PUNCT
emaj-238	114	19	tpb	tpb	NOUN
emaj-238	114	20	individuals	individual	NOUN
emaj-238	114	21	consider	consider	VERB
emaj-238	114	22	three	three	NUM
emaj-238	114	23	important	important	ADJ
emaj-238	114	24	factors	factor	NOUN
emaj-238	114	25	.	.	PUNCT
emaj-238	115	1	according	accord	VERB
emaj-238	115	2	to	to	ADP
emaj-238	115	3	recent	recent	ADJ
emaj-238	115	4	research	research	NOUN
emaj-238	115	5	conducted	conduct	VERB
emaj-238	115	6	in	in	ADP
emaj-238	115	7	india	india	PROPN
emaj-238	115	8	,	,	PUNCT
emaj-238	115	9	among	among	ADP
emaj-238	115	10	all	all	DET
emaj-238	115	11	tpb	tpb	NOUN
emaj-238	115	12	predictors	predictor	NOUN
emaj-238	115	13	,	,	PUNCT
emaj-238	115	14	attitude	attitude	NOUN
emaj-238	115	15	has	have	VERB
emaj-238	115	16	the	the	DET
emaj-238	115	17	most	most	ADV
emaj-238	115	18	direct	direct	ADJ
emaj-238	115	19	effect	effect	NOUN
emaj-238	115	20	on	on	ADP
emaj-238	115	21	customer	customer	NOUN
emaj-238	115	22	purchase	purchase	NOUN
emaj-238	115	23	intention	intention	NOUN
emaj-238	115	24	(	(	PUNCT
emaj-238	115	25	paul	paul	PROPN
emaj-238	115	26	et	et	PROPN
emaj-238	115	27	al	al	PROPN
emaj-238	115	28	.	.	PROPN
emaj-238	115	29	,	,	PUNCT
emaj-238	115	30	2017	2017	NUM
emaj-238	115	31	;	;	PUNCT
emaj-238	115	32	sreen	sreen	VERB
emaj-238	115	33	et	et	PROPN
emaj-238	115	34	al	al	PROPN
emaj-238	115	35	.	.	PROPN
emaj-238	115	36	,	,	PUNCT
emaj-238	115	37	2018	2018	NUM
emaj-238	115	38	;	;	PUNCT
emaj-238	115	39	ahmed	ahmed	PROPN
emaj-238	115	40	et	et	PROPN
emaj-238	115	41	al	al	PROPN
emaj-238	115	42	.	.	PROPN
emaj-238	115	43	,	,	PUNCT
emaj-238	115	44	2020	2020	NUM
emaj-238	115	45	)	)	PUNCT
emaj-238	115	46	.	.	PUNCT
emaj-238	116	1	in	in	ADP
emaj-238	116	2	kogi	kogi	PROPN
emaj-238	116	3	state	state	PROPN
emaj-238	116	4	,	,	PUNCT
emaj-238	116	5	nigeria	nigeria	PROPN
emaj-238	116	6	,	,	PUNCT
emaj-238	116	7	oteino	oteino	PROPN
emaj-238	116	8	(	(	PUNCT
emaj-238	116	9	2018	2018	NUM
emaj-238	116	10	)	)	PUNCT
emaj-238	116	11	found	find	VERB
emaj-238	116	12	that	that	SCONJ
emaj-238	116	13	insurance	insurance	NOUN
emaj-238	116	14	awareness	awareness	NOUN
emaj-238	116	15	is	be	AUX
emaj-238	116	16	low	low	ADJ
emaj-238	116	17	.	.	PUNCT
emaj-238	117	1	therefore	therefore	ADV
emaj-238	117	2	,	,	PUNCT
emaj-238	117	3	customers	customer	NOUN
emaj-238	117	4	’	'	PUNCT
emaj-238	117	5	knowledge	knowledge	NOUN
emaj-238	117	6	of	of	ADP
emaj-238	117	7	a	a	DET
emaj-238	117	8	certain	certain	ADJ
emaj-238	117	9	product	product	NOUN
emaj-238	117	10	or	or	CCONJ
emaj-238	117	11	service	service	NOUN
emaj-238	117	12	is	be	AUX
emaj-238	117	13	considered	consider	VERB
emaj-238	117	14	to	to	PART
emaj-238	117	15	play	play	VERB
emaj-238	117	16	a	a	DET
emaj-238	117	17	key	key	ADJ
emaj-238	117	18	role	role	NOUN
emaj-238	117	19	in	in	ADP
emaj-238	117	20	determining	determine	VERB
emaj-238	117	21	whether	whether	SCONJ
emaj-238	117	22	they	they	PRON
emaj-238	117	23	like	like	VERB
emaj-238	117	24	or	or	CCONJ
emaj-238	117	25	dislike	dislike	VERB
emaj-238	117	26	a	a	DET
emaj-238	117	27	certain	certain	ADJ
emaj-238	117	28	service	service	NOUN
emaj-238	117	29	or	or	CCONJ
emaj-238	117	30	product	product	NOUN
emaj-238	117	31	.	.	PUNCT
emaj-238	118	1	the	the	DET
emaj-238	118	2	impression	impression	NOUN
emaj-238	118	3	of	of	ADP
emaj-238	118	4	local	local	ADJ
emaj-238	118	5	products	product	NOUN
emaj-238	118	6	is	be	AUX
emaj-238	118	7	affected	affect	VERB
emaj-238	118	8	by	by	ADP
emaj-238	118	9	many	many	ADJ
emaj-238	118	10	factors	factor	NOUN
emaj-238	118	11	.	.	PUNCT
emaj-238	119	1	in	in	ADP
emaj-238	119	2	fact	fact	NOUN
emaj-238	119	3	,	,	PUNCT
emaj-238	119	4	these	these	DET
emaj-238	119	5	items	item	NOUN
emaj-238	119	6	can	can	AUX
emaj-238	119	7	be	be	AUX
emaj-238	119	8	regarded	regard	VERB
emaj-238	119	9	as	as	ADP
emaj-238	119	10	a	a	DET
emaj-238	119	11	commercial	commercial	ADJ
emaj-238	119	12	expression	expression	NOUN
emaj-238	119	13	of	of	ADP
emaj-238	119	14	the	the	DET
emaj-238	119	15	heritage	heritage	NOUN
emaj-238	119	16	and	and	CCONJ
emaj-238	119	17	culture	culture	NOUN
emaj-238	119	18	,	,	PUNCT
emaj-238	119	19	history	history	NOUN
emaj-238	119	20	,	,	PUNCT
emaj-238	119	21	tradition	tradition	NOUN
emaj-238	119	22	,	,	PUNCT
emaj-238	119	23	and	and	CCONJ
emaj-238	119	24	authenticity	authenticity	NOUN
emaj-238	119	25	of	of	ADP
emaj-238	119	26	a	a	DET
emaj-238	119	27	region	region	NOUN
emaj-238	119	28	,	,	PUNCT
emaj-238	119	29	as	as	ADP
emaj-238	119	30	a	a	DET
emaj-238	119	31	result	result	NOUN
emaj-238	119	32	of	of	ADP
emaj-238	119	33	consumer	consumer	NOUN
emaj-238	119	34	interaction	interaction	NOUN
emaj-238	119	35	with	with	ADP
emaj-238	119	36	the	the	DET
emaj-238	119	37	region	region	NOUN
emaj-238	119	38	(	(	PUNCT
emaj-238	119	39	kolar	kolar	PROPN
emaj-238	119	40	and	and	CCONJ
emaj-238	119	41	zabkar	zabkar	PROPN
emaj-238	119	42	,	,	PUNCT
emaj-238	119	43	2010	2010	NUM
emaj-238	119	44	;	;	PUNCT
emaj-238	119	45	morris	morris	PROPN
emaj-238	119	46	and	and	CCONJ
emaj-238	119	47	kirwan	kirwan	PROPN
emaj-238	119	48	,	,	PUNCT
emaj-238	119	49	2010	2010	NUM
emaj-238	119	50	)	)	PUNCT
emaj-238	119	51	several	several	ADJ
emaj-238	119	52	researchers	researcher	NOUN
emaj-238	119	53	(	(	PUNCT
emaj-238	119	54	dimara	dimara	NOUN
emaj-238	119	55	and	and	CCONJ
emaj-238	119	56	skuras	skura	NOUN
emaj-238	119	57	,	,	PUNCT
emaj-238	119	58	2003	2003	NUM
emaj-238	119	59	;	;	PUNCT
emaj-238	119	60	van	van	PROPN
emaj-238	119	61	ittersum	ittersum	PROPN
emaj-238	119	62	et	et	PROPN
emaj-238	119	63	al	al	PROPN
emaj-238	119	64	.	.	PROPN
emaj-238	119	65	,	,	PUNCT
emaj-238	119	66	2006	2006	NUM
emaj-238	119	67	;	;	PUNCT
emaj-238	119	68	pantano	pantano	PROPN
emaj-238	119	69	,	,	PUNCT
emaj-238	119	70	(	(	PUNCT
emaj-238	119	71	2011	2011	NUM
emaj-238	119	72	)	)	PUNCT
emaj-238	119	73	;	;	PUNCT
emaj-238	119	74	skuras	skuras	PROPN
emaj-238	119	75	and	and	CCONJ
emaj-238	119	76	dimara	dimara	NOUN
emaj-238	119	77	,	,	PUNCT
emaj-238	119	78	2004	2004	NUM
emaj-238	119	79	;	;	PUNCT
emaj-238	119	80	kim	kim	PROPN
emaj-238	119	81	et	et	PROPN
emaj-238	119	82	al	al	PROPN
emaj-238	119	83	.	.	PROPN
emaj-238	119	84	,	,	PUNCT
emaj-238	119	85	2019	2019	NUM
emaj-238	119	86	;	;	PUNCT
emaj-238	119	87	polenzani	polenzani	PROPN
emaj-238	119	88	,	,	PUNCT
emaj-238	119	89	2020	2020	NUM
emaj-238	119	90	;	;	PUNCT
emaj-238	119	91	baca	baca	PROPN
emaj-238	119	92	et	et	PROPN
emaj-238	119	93	al	al	PROPN
emaj-238	119	94	.	.	PROPN
emaj-238	119	95	,	,	PUNCT
emaj-238	119	96	2018	2018	NUM
emaj-238	119	97	;	;	PUNCT
emaj-238	119	98	napolitano	napolitano	PROPN
emaj-238	119	99	.	.	PROPN
emaj-238	119	100	,	,	PUNCT
emaj-238	119	101	2017	2017	NUM
emaj-238	119	102	)	)	PUNCT
emaj-238	119	103	noted	note	VERB
emaj-238	119	104	that	that	SCONJ
emaj-238	119	105	consumers	consumer	NOUN
emaj-238	119	106	attach	attach	VERB
emaj-238	119	107	importance	importance	NOUN
emaj-238	119	108	to	to	ADP
emaj-238	119	109	products	product	NOUN
emaj-238	119	110	related	relate	VERB
emaj-238	119	111	to	to	ADP
emaj-238	119	112	a	a	DET
emaj-238	119	113	particular	particular	ADJ
emaj-238	119	114	region	region	NOUN
emaj-238	119	115	or	or	CCONJ
emaj-238	119	116	region	region	NOUN
emaj-238	119	117	.	.	PUNCT
emaj-238	120	1	in	in	ADP
emaj-238	120	2	addition	addition	NOUN
emaj-238	120	3	,	,	PUNCT
emaj-238	120	4	the	the	DET
emaj-238	120	5	uncertainty	uncertainty	NOUN
emaj-238	120	6	of	of	ADP
emaj-238	120	7	the	the	DET
emaj-238	120	8	economic	economic	ADJ
emaj-238	120	9	environment	environment	NOUN
emaj-238	120	10	in	in	ADP
emaj-238	120	11	emerging	emerge	VERB
emaj-238	120	12	countries	country	NOUN
emaj-238	120	13	makes	make	VERB
emaj-238	120	14	the	the	DET
emaj-238	120	15	confidence	confidence	NOUN
emaj-238	120	16	of	of	ADP
emaj-238	120	17	business	business	NOUN
emaj-238	120	18	partners	partner	NOUN
emaj-238	120	19	a	a	DET
emaj-238	120	20	key	key	ADJ
emaj-238	120	21	issue	issue	NOUN
emaj-238	120	22	.	.	PUNCT
emaj-238	121	1	as	as	SCONJ
emaj-238	121	2	has	have	AUX
emaj-238	121	3	been	be	AUX
emaj-238	121	4	observed	observe	VERB
emaj-238	121	5	,	,	PUNCT
emaj-238	121	6	this	this	PRON
emaj-238	121	7	makes	make	VERB
emaj-238	121	8	it	it	PRON
emaj-238	121	9	necessary	necessary	ADJ
emaj-238	121	10	for	for	SCONJ
emaj-238	121	11	service	service	NOUN
emaj-238	121	12	providers	provider	NOUN
emaj-238	121	13	to	to	PART
emaj-238	121	14	build	build	VERB
emaj-238	121	15	strong	strong	ADJ
emaj-238	121	16	customer	customer	NOUN
emaj-238	121	17	/	/	SYM
emaj-238	121	18	customer	customer	NOUN
emaj-238	121	19	trust	trust	NOUN
emaj-238	121	20	and	and	CCONJ
emaj-238	121	21	confidence	confidence	NOUN
emaj-238	121	22	in	in	ADP
emaj-238	121	23	order	order	NOUN
emaj-238	121	24	for	for	SCONJ
emaj-238	121	25	them	they	PRON
emaj-238	121	26	to	to	PART
emaj-238	121	27	win	win	VERB
emaj-238	121	28	and	and	CCONJ
emaj-238	121	29	succeed	succeed	VERB
emaj-238	121	30	.	.	PUNCT
emaj-238	122	1	the	the	DET
emaj-238	122	2	conceptual	conceptual	ADJ
emaj-238	122	3	model	model	NOUN
emaj-238	122	4	as	as	SCONJ
emaj-238	122	5	shown	show	VERB
emaj-238	122	6	in	in	ADP
emaj-238	122	7	the	the	DET
emaj-238	122	8	literature	literature	NOUN
emaj-238	122	9	,	,	PUNCT
emaj-238	122	10	a	a	DET
emaj-238	122	11	conceptual	conceptual	ADJ
emaj-238	122	12	model	model	NOUN
emaj-238	122	13	(	(	PUNCT
emaj-238	122	14	figure	figure	NOUN
emaj-238	122	15	1	1	NUM
emaj-238	122	16	)	)	PUNCT
emaj-238	122	17	was	be	AUX
emaj-238	122	18	used	use	VERB
emaj-238	122	19	to	to	PART
emaj-238	122	20	empirically	empirically	ADV
emaj-238	122	21	test	test	VERB
emaj-238	122	22	and	and	CCONJ
emaj-238	122	23	confirm	confirm	VERB
emaj-238	122	24	whether	whether	SCONJ
emaj-238	122	25	there	there	PRON
emaj-238	122	26	are	be	VERB
emaj-238	122	27	positive	positive	ADJ
emaj-238	122	28	and	and	CCONJ
emaj-238	122	29	significant	significant	ADJ
emaj-238	122	30	relationships	relationship	NOUN
emaj-238	122	31	among	among	ADP
emaj-238	122	32	cultural	cultural	ADJ
emaj-238	122	33	trends	trend	NOUN
emaj-238	122	34	,	,	PUNCT
emaj-238	122	35	attitudinal	attitudinal	ADJ
emaj-238	122	36	trends	trend	NOUN
emaj-238	122	37	,	,	PUNCT
emaj-238	122	38	perception	perception	NOUN
emaj-238	122	39	,	,	PUNCT
emaj-238	122	40	and	and	CCONJ
emaj-238	122	41	awareness	awareness	NOUN
emaj-238	122	42	,	,	PUNCT
emaj-238	122	43	and	and	CCONJ
emaj-238	122	44	consumer	consumer	NOUN
emaj-238	122	45	purchase	purchase	NOUN
emaj-238	122	46	intention	intention	NOUN
emaj-238	122	47	of	of	ADP
emaj-238	122	48	insurance	insurance	NOUN
emaj-238	122	49	services	service	NOUN
emaj-238	122	50	within	within	ADP
emaj-238	122	51	the	the	DET
emaj-238	122	52	kumasi	kumasi	NOUN
emaj-238	122	53	metropolis	metropolis	PROPN
emaj-238	122	54	.	.	PUNCT
emaj-238	123	1	volume	volume	NOUN
emaj-238	123	2	12	12	NUM
emaj-238	123	3	no	no	DET
emaj-238	123	4	1	1	NUM
emaj-238	123	5	(	(	PUNCT
emaj-238	123	6	2022	2022	NUM
emaj-238	123	7	)	)	PUNCT
emaj-238	123	8	|	|	ADV
emaj-238	123	9	issn	issn	VERB
emaj-238	123	10	2158	2158	NUM
emaj-238	123	11	-	-	SYM
emaj-238	123	12	8708	8708	NUM
emaj-238	123	13	(	(	PUNCT
emaj-238	123	14	online	online	NOUN
emaj-238	123	15	)	)	PUNCT
emaj-238	123	16	|	|	ADV
emaj-238	123	17	doi	doi	X
emaj-238	123	18	10.5195	10.5195	NUM
emaj-238	123	19	/	/	SYM
emaj-238	123	20	emaj.2022.238	emaj.2022.238	NOUN
emaj-238	123	21	|	|	NOUN
emaj-238	123	22	http://emaj.pitt.edu	http://emaj.pitt.edu	PROPN
emaj-238	123	23	francis	francis	PROPN
emaj-238	123	24	osei	osei	PROPN
emaj-238	123	25	,	,	PUNCT
emaj-238	123	26	christian	christian	PROPN
emaj-238	123	27	narh	narh	NOUN
emaj-238	123	28	opata	opata	NOUN
emaj-238	123	29	,	,	PUNCT
emaj-238	123	30	collins	collins	PROPN
emaj-238	123	31	kankam	kankam	PROPN
emaj-238	123	32	-	-	PUNCT
emaj-238	123	33	kwarteng	kwarteng	PROPN
emaj-238	123	34	,	,	PUNCT
emaj-238	123	35	daniel	daniel	PROPN
emaj-238	123	36	ofori	ofori	ADV
emaj-238	123	37	emerging	emerge	VERB
emaj-238	123	38	markets	market	NOUN
emaj-238	123	39	journal	journal	NOUN
emaj-238	124	1	|	|	ADV
emaj-238	124	2	p	p	NOUN
emaj-238	124	3	a	a	DET
emaj-238	124	4	g	g	NOUN
emaj-238	124	5	e	e	NOUN
emaj-238	124	6	1	1	NUM
emaj-238	124	7	7	7	NUM
emaj-238	124	8	figure	figure	NOUN
emaj-238	124	9	1	1	NUM
emaj-238	124	10	.	.	PUNCT
emaj-238	124	11	conceptual	conceptual	ADJ
emaj-238	124	12	model	model	NOUN
emaj-238	124	13	of	of	ADP
emaj-238	124	14	the	the	DET
emaj-238	124	15	study	study	NOUN
emaj-238	124	16	source	source	NOUN
emaj-238	124	17	:	:	PUNCT
emaj-238	124	18	authors	author	NOUN
emaj-238	124	19	’	'	PUNCT
emaj-238	124	20	own	own	ADJ
emaj-238	124	21	compilation	compilation	NOUN
emaj-238	124	22	hypotheses	hypothesis	NOUN
emaj-238	124	23	statements	statement	NOUN
emaj-238	124	24	customer	customer	NOUN
emaj-238	124	25	level	level	NOUN
emaj-238	124	26	of	of	ADP
emaj-238	124	27	awareness	awareness	NOUN
emaj-238	124	28	towards	towards	ADP
emaj-238	124	29	purchasing	purchase	VERB
emaj-238	124	30	life	life	NOUN
emaj-238	124	31	insurance	insurance	NOUN
emaj-238	124	32	has	have	VERB
emaj-238	124	33	a	a	DET
emaj-238	124	34	significant	significant	ADJ
emaj-238	124	35	positive	positive	ADJ
emaj-238	124	36	impact	impact	NOUN
emaj-238	124	37	on	on	ADP
emaj-238	124	38	purchase	purchase	NOUN
emaj-238	124	39	intention	intention	NOUN
emaj-238	124	40	.	.	PUNCT
emaj-238	125	1	h1	h1	PROPN
emaj-238	125	2	:	:	PUNCT
emaj-238	125	3	there	there	PRON
emaj-238	125	4	is	be	VERB
emaj-238	125	5	a	a	DET
emaj-238	125	6	positive	positive	ADJ
emaj-238	125	7	relationship	relationship	NOUN
emaj-238	125	8	between	between	ADP
emaj-238	125	9	attitudinal	attitudinal	ADJ
emaj-238	125	10	trends	trend	NOUN
emaj-238	125	11	and	and	CCONJ
emaj-238	125	12	awareness	awareness	NOUN
emaj-238	125	13	.	.	PUNCT
emaj-238	126	1	h2	h2	NOUN
emaj-238	126	2	:	:	PUNCT
emaj-238	126	3	there	there	PRON
emaj-238	126	4	exist	exist	VERB
emaj-238	126	5	a	a	DET
emaj-238	126	6	positive	positive	ADJ
emaj-238	126	7	relationship	relationship	NOUN
emaj-238	126	8	between	between	ADP
emaj-238	126	9	attitudinal	attitudinal	ADJ
emaj-238	126	10	trends	trend	NOUN
emaj-238	126	11	and	and	CCONJ
emaj-238	126	12	perception	perception	NOUN
emaj-238	126	13	.	.	PUNCT
emaj-238	127	1	h3	h3	NOUN
emaj-238	127	2	:	:	PUNCT
emaj-238	127	3	customer	customer	NOUN
emaj-238	127	4	level	level	NOUN
emaj-238	127	5	of	of	ADP
emaj-238	127	6	attitudinal	attitudinal	ADJ
emaj-238	127	7	trends	trend	NOUN
emaj-238	127	8	towards	towards	ADP
emaj-238	127	9	purchasing	purchase	VERB
emaj-238	127	10	insurance	insurance	NOUN
emaj-238	127	11	has	have	VERB
emaj-238	127	12	a	a	DET
emaj-238	127	13	significant	significant	ADJ
emaj-238	127	14	positive	positive	ADJ
emaj-238	127	15	impact	impact	NOUN
emaj-238	127	16	on	on	ADP
emaj-238	127	17	purchase	purchase	NOUN
emaj-238	127	18	intention	intention	NOUN
emaj-238	127	19	.	.	PUNCT
emaj-238	128	1	h4	h4	NOUN
emaj-238	128	2	:	:	PUNCT
emaj-238	128	3	customer	customer	NOUN
emaj-238	128	4	level	level	NOUN
emaj-238	128	5	of	of	ADP
emaj-238	128	6	awareness	awareness	NOUN
emaj-238	128	7	towards	towards	ADP
emaj-238	128	8	purchasing	purchase	VERB
emaj-238	128	9	insurance	insurance	NOUN
emaj-238	128	10	has	have	VERB
emaj-238	128	11	a	a	DET
emaj-238	128	12	significant	significant	ADJ
emaj-238	128	13	positive	positive	ADJ
emaj-238	128	14	impact	impact	NOUN
emaj-238	128	15	on	on	ADP
emaj-238	128	16	purchase	purchase	NOUN
emaj-238	128	17	intention	intention	NOUN
emaj-238	128	18	.	.	PUNCT
emaj-238	129	1	h5	h5	PROPN
emaj-238	129	2	:	:	PUNCT
emaj-238	129	3	there	there	PRON
emaj-238	129	4	is	be	VERB
emaj-238	129	5	a	a	DET
emaj-238	129	6	positive	positive	ADJ
emaj-238	129	7	relationship	relationship	NOUN
emaj-238	129	8	between	between	ADP
emaj-238	129	9	cultural	cultural	ADJ
emaj-238	129	10	trends	trend	NOUN
emaj-238	129	11	and	and	CCONJ
emaj-238	129	12	awareness	awareness	NOUN
emaj-238	129	13	.	.	PUNCT
emaj-238	130	1	h6	h6	NOUN
emaj-238	130	2	:	:	PUNCT
emaj-238	130	3	there	there	PRON
emaj-238	130	4	is	be	VERB
emaj-238	130	5	a	a	DET
emaj-238	130	6	positive	positive	ADJ
emaj-238	130	7	relationship	relationship	NOUN
emaj-238	130	8	between	between	ADP
emaj-238	130	9	cultural	cultural	ADJ
emaj-238	130	10	trends	trend	NOUN
emaj-238	130	11	and	and	CCONJ
emaj-238	130	12	perception	perception	NOUN
emaj-238	130	13	.	.	PUNCT
emaj-238	131	1	h7	h7	NOUN
emaj-238	131	2	:	:	PUNCT
emaj-238	131	3	customer	customer	NOUN
emaj-238	131	4	level	level	NOUN
emaj-238	131	5	of	of	ADP
emaj-238	131	6	cultural	cultural	ADJ
emaj-238	131	7	trends	trend	NOUN
emaj-238	131	8	towards	towards	ADP
emaj-238	131	9	purchasing	purchase	VERB
emaj-238	131	10	insurance	insurance	NOUN
emaj-238	131	11	has	have	VERB
emaj-238	131	12	a	a	DET
emaj-238	131	13	significant	significant	ADJ
emaj-238	131	14	positive	positive	ADJ
emaj-238	131	15	impact	impact	NOUN
emaj-238	131	16	on	on	ADP
emaj-238	131	17	purchase	purchase	NOUN
emaj-238	131	18	intention	intention	NOUN
emaj-238	131	19	.	.	PUNCT
emaj-238	132	1	h8	h8	NOUN
emaj-238	132	2	:	:	PUNCT
emaj-238	132	3	customer	customer	NOUN
emaj-238	132	4	level	level	NOUN
emaj-238	132	5	of	of	ADP
emaj-238	132	6	perception	perception	NOUN
emaj-238	132	7	towards	towards	ADP
emaj-238	132	8	purchasing	purchase	VERB
emaj-238	132	9	insurance	insurance	NOUN
emaj-238	132	10	has	have	VERB
emaj-238	132	11	a	a	DET
emaj-238	132	12	significant	significant	ADJ
emaj-238	132	13	positive	positive	ADJ
emaj-238	132	14	impact	impact	NOUN
emaj-238	132	15	on	on	ADP
emaj-238	132	16	purchase	purchase	NOUN
emaj-238	132	17	intention	intention	NOUN
emaj-238	132	18	.	.	PUNCT
emaj-238	133	1	iii	iii	X
emaj-238	133	2	.	.	PROPN
emaj-238	133	3	methodology	methodology	PROPN
emaj-238	133	4	research	research	NOUN
emaj-238	133	5	design	design	NOUN
emaj-238	133	6	this	this	DET
emaj-238	133	7	study	study	NOUN
emaj-238	133	8	used	use	VERB
emaj-238	133	9	a	a	DET
emaj-238	133	10	descriptive	descriptive	ADJ
emaj-238	133	11	research	research	NOUN
emaj-238	133	12	approach	approach	NOUN
emaj-238	133	13	,	,	PUNCT
emaj-238	133	14	and	and	CCONJ
emaj-238	133	15	because	because	SCONJ
emaj-238	133	16	data	datum	NOUN
emaj-238	133	17	was	be	AUX
emaj-238	133	18	collected	collect	VERB
emaj-238	133	19	only	only	ADV
emaj-238	133	20	once	once	ADV
emaj-238	133	21	from	from	ADP
emaj-238	133	22	a	a	DET
emaj-238	133	23	group	group	NOUN
emaj-238	133	24	of	of	ADP
emaj-238	133	25	individuals	individual	NOUN
emaj-238	133	26	,	,	PUNCT
emaj-238	133	27	it	it	PRON
emaj-238	133	28	is	be	AUX
emaj-238	133	29	classified	classify	VERB
emaj-238	133	30	as	as	ADP
emaj-238	133	31	a	a	DET
emaj-238	133	32	single	single	ADJ
emaj-238	133	33	cross	cross	ADJ
emaj-238	133	34	-	-	ADJ
emaj-238	133	35	sectional	sectional	ADJ
emaj-238	133	36	study	study	NOUN
emaj-238	133	37	.	.	PUNCT
emaj-238	134	1	data	datum	NOUN
emaj-238	134	2	collection	collection	NOUN
emaj-238	134	3	and	and	CCONJ
emaj-238	134	4	analysis	analysis	NOUN
emaj-238	134	5	both	both	CCONJ
emaj-238	134	6	primary	primary	ADJ
emaj-238	134	7	and	and	CCONJ
emaj-238	134	8	secondary	secondary	ADJ
emaj-238	134	9	data	datum	NOUN
emaj-238	134	10	sources	source	NOUN
emaj-238	134	11	have	have	AUX
emaj-238	134	12	been	be	AUX
emaj-238	134	13	used	use	VERB
emaj-238	134	14	for	for	ADP
emaj-238	134	15	research	research	NOUN
emaj-238	134	16	purposes	purpose	NOUN
emaj-238	134	17	.	.	PUNCT
emaj-238	135	1	second	second	ADJ
emaj-238	135	2	-	-	PUNCT
emaj-238	135	3	hand	hand	NOUN
emaj-238	135	4	data	datum	NOUN
emaj-238	135	5	are	be	AUX
emaj-238	135	6	collected	collect	VERB
emaj-238	135	7	from	from	ADP
emaj-238	135	8	past	past	ADJ
emaj-238	135	9	journals	journal	NOUN
emaj-238	135	10	,	,	PUNCT
emaj-238	135	11	published	publish	VERB
emaj-238	135	12	reports	report	NOUN
emaj-238	135	13	and	and	CCONJ
emaj-238	135	14	materials	material	NOUN
emaj-238	135	15	in	in	ADP
emaj-238	135	16	and	and	CCONJ
emaj-238	135	17	around	around	ADP
emaj-238	135	18	ghana	ghana	PROPN
emaj-238	135	19	.	.	PUNCT
emaj-238	136	1	survey	survey	NOUN
emaj-238	136	2	methods	method	NOUN
emaj-238	136	3	have	have	AUX
emaj-238	136	4	been	be	AUX
emaj-238	136	5	used	use	VERB
emaj-238	136	6	to	to	PART
emaj-238	136	7	collect	collect	VERB
emaj-238	136	8	raw	raw	ADJ
emaj-238	136	9	data	datum	NOUN
emaj-238	136	10	(	(	PUNCT
emaj-238	136	11	ranaweera	ranaweera	NOUN
emaj-238	136	12	and	and	CCONJ
emaj-238	136	13	neely	neely	NOUN
emaj-238	136	14	,	,	PUNCT
emaj-238	136	15	2003	2003	NUM
emaj-238	136	16	)	)	PUNCT
emaj-238	136	17	.	.	PUNCT
emaj-238	137	1	the	the	DET
emaj-238	137	2	5	5	NUM
emaj-238	137	3	-	-	PUNCT
emaj-238	137	4	point	point	NOUN
emaj-238	137	5	likert	likert	ADJ
emaj-238	137	6	type	type	NOUN
emaj-238	137	7	scale	scale	NOUN
emaj-238	137	8	(	(	PUNCT
emaj-238	137	9	1	1	NUM
emaj-238	137	10	=	=	NUM
emaj-238	137	11	strongly	strongly	ADV
emaj-238	137	12	disagree	disagree	VERB
emaj-238	137	13	,	,	PUNCT
emaj-238	137	14	2	2	NUM
emaj-238	137	15	=	=	NOUN
emaj-238	137	16	disagree	disagree	NOUN
emaj-238	137	17	,	,	PUNCT
emaj-238	137	18	3	3	NUM
emaj-238	137	19	=	=	PUNCT
emaj-238	137	20	neither	neither	CCONJ
emaj-238	137	21	agree	agree	VERB
emaj-238	137	22	nor	nor	CCONJ
emaj-238	137	23	agree	agree	VERB
emaj-238	137	24	,	,	PUNCT
emaj-238	137	25	4	4	NUM
emaj-238	137	26	=	=	PUNCT
emaj-238	137	27	agree	agree	NOUN
emaj-238	137	28	,	,	PUNCT
emaj-238	137	29	5	5	NUM
emaj-238	137	30	=	=	PRON
emaj-238	137	31	strongly	strongly	ADV
emaj-238	137	32	agree	agree	VERB
emaj-238	137	33	)	)	PUNCT
emaj-238	137	34	has	have	AUX
emaj-238	137	35	been	be	AUX
emaj-238	137	36	used	use	VERB
emaj-238	137	37	to	to	PART
emaj-238	137	38	measure	measure	VERB
emaj-238	137	39	the	the	DET
emaj-238	137	40	items	item	NOUN
emaj-238	137	41	of	of	ADP
emaj-238	137	42	the	the	DET
emaj-238	137	43	questionnaire	questionnaire	NOUN
emaj-238	137	44	(	(	PUNCT
emaj-238	137	45	jahan	jahan	PROPN
emaj-238	137	46	and	and	CCONJ
emaj-238	137	47	sabbir	sabbir	NOUN
emaj-238	137	48	,	,	PUNCT
emaj-238	137	49	2018	2018	NUM
emaj-238	137	50	;	;	PUNCT
emaj-238	137	51	mahdzan	mahdzan	ADJ
emaj-238	137	52	and	and	CCONJ
emaj-238	137	53	victorian	victorian	ADJ
emaj-238	137	54	,	,	PUNCT
emaj-238	137	55	2013	2013	NUM
emaj-238	137	56	)	)	PUNCT
emaj-238	137	57	.	.	PUNCT
emaj-238	138	1	the	the	DET
emaj-238	138	2	main	main	ADJ
emaj-238	138	3	research	research	NOUN
emaj-238	138	4	tool	tool	NOUN
emaj-238	138	5	is	be	AUX
emaj-238	138	6	a	a	DET
emaj-238	138	7	structured	structured	ADJ
emaj-238	138	8	questionnaire	questionnaire	NOUN
emaj-238	138	9	,	,	PUNCT
emaj-238	138	10	which	which	PRON
emaj-238	138	11	will	will	AUX
emaj-238	138	12	be	be	AUX
emaj-238	138	13	used	use	VERB
emaj-238	138	14	in	in	ADP
emaj-238	138	15	this	this	DET
emaj-238	138	16	research	research	NOUN
emaj-238	138	17	.	.	PUNCT
emaj-238	139	1	the	the	DET
emaj-238	139	2	study	study	NOUN
emaj-238	139	3	uses	use	VERB
emaj-238	139	4	a	a	DET
emaj-238	139	5	descriptive	descriptive	ADJ
emaj-238	139	6	design	design	NOUN
emaj-238	139	7	.	.	PUNCT
emaj-238	140	1	the	the	DET
emaj-238	140	2	social	social	ADJ
emaj-238	140	3	science	science	NOUN
emaj-238	140	4	statistics	statistic	NOUN
emaj-238	140	5	package	package	NOUN
emaj-238	140	6	(	(	PUNCT
emaj-238	140	7	spss	spss	ADJ
emaj-238	140	8	)	)	PUNCT
emaj-238	140	9	version	version	NOUN
emaj-238	140	10	20.0	20.0	NUM
emaj-238	140	11	is	be	AUX
emaj-238	140	12	used	use	VERB
emaj-238	140	13	to	to	PART
emaj-238	140	14	encode	encode	VERB
emaj-238	140	15	and	and	CCONJ
emaj-238	140	16	cross	cross	ADJ
emaj-238	140	17	-	-	ADJ
emaj-238	140	18	check	check	ADJ
emaj-238	140	19	demographic	demographic	ADJ
emaj-238	140	20	variables	variable	NOUN
emaj-238	140	21	,	,	PUNCT
emaj-238	140	22	and	and	CCONJ
emaj-238	140	23	the	the	DET
emaj-238	140	24	structural	structural	ADJ
emaj-238	140	25	equation	equation	NOUN
emaj-238	140	26	modeling	modeling	NOUN
emaj-238	140	27	(	(	PUNCT
emaj-238	140	28	sem	sem	NOUN
emaj-238	140	29	)	)	PUNCT
emaj-238	140	30	technology	technology	NOUN
emaj-238	140	31	is	be	AUX
emaj-238	140	32	used	use	VERB
emaj-238	140	33	to	to	PART
emaj-238	140	34	view	view	VERB
emaj-238	140	35	the	the	DET
emaj-238	140	36	hypothetical	hypothetical	ADJ
emaj-238	140	37	relationships	relationship	NOUN
emaj-238	140	38	of	of	ADP
emaj-238	140	39	the	the	DET
emaj-238	140	40	study	study	NOUN
emaj-238	140	41	,	,	PUNCT
emaj-238	140	42	using	use	VERB
emaj-238	140	43	partial	partial	ADJ
emaj-238	140	44	least	least	ADJ
emaj-238	140	45	squares	square	NOUN
emaj-238	140	46	multiply	multiply	ADV
emaj-238	140	47	(	(	PUNCT
emaj-238	140	48	pls	pls	INTJ
emaj-238	140	49	)	)	PUNCT
emaj-238	140	50	software	software	NOUN
emaj-238	140	51	version	version	NOUN
emaj-238	140	52	3.0	3.0	NUM
emaj-238	140	53	.	.	PUNCT
emaj-238	141	1	(	(	PUNCT
emaj-238	141	2	hair	hair	NOUN
emaj-238	141	3	et	et	PROPN
emaj-238	141	4	al	al	PROPN
emaj-238	141	5	.	.	PROPN
emaj-238	141	6	,	,	PUNCT
emaj-238	141	7	2009	2009	NUM
emaj-238	141	8	)	)	PUNCT
emaj-238	141	9	.	.	PUNCT
emaj-238	142	1	sampling	sample	VERB
emaj-238	142	2	method	method	NOUN
emaj-238	142	3	the	the	DET
emaj-238	142	4	target	target	NOUN
emaj-238	142	5	population	population	NOUN
emaj-238	142	6	was	be	AUX
emaj-238	142	7	all	all	PRON
emaj-238	142	8	potential	potential	ADJ
emaj-238	142	9	buyers	buyer	NOUN
emaj-238	142	10	of	of	ADP
emaj-238	142	11	life	life	NOUN
emaj-238	142	12	and	and	CCONJ
emaj-238	142	13	non	non	ADJ
emaj-238	142	14	-	-	ADJ
emaj-238	142	15	life	life	ADJ
emaj-238	142	16	insurance	insurance	NOUN
emaj-238	142	17	policy	policy	NOUN
emaj-238	142	18	in	in	ADP
emaj-238	142	19	ghana	ghana	PROPN
emaj-238	142	20	.	.	PUNCT
emaj-238	143	1	data	datum	NOUN
emaj-238	143	2	were	be	AUX
emaj-238	143	3	gathered	gather	VERB
emaj-238	143	4	from	from	ADP
emaj-238	143	5	individuals	individual	NOUN
emaj-238	143	6	working	work	VERB
emaj-238	143	7	in	in	ADP
emaj-238	143	8	various	various	ADJ
emaj-238	143	9	public	public	ADJ
emaj-238	143	10	and	and	CCONJ
emaj-238	143	11	commercial	commercial	ADJ
emaj-238	143	12	institutions	institution	NOUN
emaj-238	143	13	in	in	ADP
emaj-238	143	14	kumasi	kumasi	PROPN
emaj-238	143	15	,	,	PUNCT
emaj-238	143	16	ghana	ghana	PROPN
emaj-238	143	17	's	's	PART
emaj-238	143	18	capital	capital	NOUN
emaj-238	143	19	and	and	CCONJ
emaj-238	143	20	ashanti	ashanti	PROPN
emaj-238	143	21	regional	regional	ADJ
emaj-238	143	22	capital	capital	NOUN
emaj-238	143	23	.	.	PUNCT
emaj-238	144	1	employees	employee	NOUN
emaj-238	144	2	of	of	ADP
emaj-238	144	3	educational	educational	ADJ
emaj-238	144	4	institutions	institution	NOUN
emaj-238	144	5	,	,	PUNCT
emaj-238	144	6	notably	notably	ADV
emaj-238	144	7	kumasi	kumasi	PROPN
emaj-238	144	8	technical	technical	PROPN
emaj-238	144	9	university	university	PROPN
emaj-238	144	10	and	and	CCONJ
emaj-238	144	11	kwame	kwame	PROPN
emaj-238	144	12	nkrumah	nkrumah	PROPN
emaj-238	144	13	university	university	PROPN
emaj-238	144	14	of	of	ADP
emaj-238	144	15	science	science	NOUN
emaj-238	144	16	and	and	CCONJ
emaj-238	144	17	technologykumasi	technologykumasi	NOUN
emaj-238	144	18	,	,	PUNCT
emaj-238	144	19	as	as	ADV
emaj-238	144	20	well	well	ADV
emaj-238	144	21	as	as	ADP
emaj-238	144	22	three	three	NUM
emaj-238	144	23	randomly	randomly	ADV
emaj-238	144	24	selected	select	VERB
emaj-238	144	25	banks	bank	NOUN
emaj-238	144	26	in	in	ADP
emaj-238	144	27	kumasi	kumasi	PROPN
emaj-238	144	28	metropolitan	metropolitan	PROPN
emaj-238	144	29	,	,	PUNCT
emaj-238	144	30	formed	form	VERB
emaj-238	144	31	the	the	DET
emaj-238	144	32	sampling	sample	VERB
emaj-238	144	33	frame	frame	NOUN
emaj-238	144	34	.	.	PUNCT
emaj-238	145	1	kumasi	kumasi	NOUN
emaj-238	145	2	was	be	AUX
emaj-238	145	3	chosen	choose	VERB
emaj-238	145	4	as	as	ADP
emaj-238	145	5	the	the	DET
emaj-238	145	6	data	data	NOUN
emaj-238	145	7	collection	collection	NOUN
emaj-238	145	8	area	area	NOUN
emaj-238	145	9	since	since	SCONJ
emaj-238	145	10	it	it	PRON
emaj-238	145	11	is	be	AUX
emaj-238	145	12	the	the	DET
emaj-238	145	13	capital	capital	NOUN
emaj-238	145	14	of	of	ADP
emaj-238	145	15	the	the	DET
emaj-238	145	16	ashanti	ashanti	PROPN
emaj-238	145	17	region	region	NOUN
emaj-238	145	18	and	and	CCONJ
emaj-238	145	19	the	the	DET
emaj-238	145	20	location	location	NOUN
emaj-238	145	21	of	of	ADP
emaj-238	145	22	practically	practically	ADV
emaj-238	145	23	all	all	PRON
emaj-238	145	24	financial	financial	ADJ
emaj-238	145	25	and	and	CCONJ
emaj-238	145	26	commercial	commercial	ADJ
emaj-238	145	27	offices	office	NOUN
emaj-238	145	28	(	(	PUNCT
emaj-238	145	29	mamun	mamun	PROPN
emaj-238	145	30	,	,	PUNCT
emaj-238	145	31	2013	2013	NUM
emaj-238	145	32	;	;	PUNCT
emaj-238	145	33	khan	khan	PROPN
emaj-238	145	34	and	and	CCONJ
emaj-238	145	35	uddin	uddin	PROPN
emaj-238	145	36	,	,	PUNCT
emaj-238	145	37	2013	2013	NUM
emaj-238	145	38	)	)	PUNCT
emaj-238	145	39	.	.	PUNCT
emaj-238	146	1	a	a	DET
emaj-238	146	2	convenience	convenience	NOUN
emaj-238	146	3	sampling	sample	VERB
emaj-238	146	4	strategy	strategy	NOUN
emaj-238	146	5	has	have	AUX
emaj-238	146	6	been	be	AUX
emaj-238	146	7	adopted	adopt	VERB
emaj-238	146	8	as	as	ADP
emaj-238	146	9	a	a	DET
emaj-238	146	10	sampling	sampling	NOUN
emaj-238	146	11	technique	technique	NOUN
emaj-238	146	12	(	(	PUNCT
emaj-238	146	13	souiden	souiden	NOUN
emaj-238	146	14	and	and	CCONJ
emaj-238	146	15	jabeur	jabeur	PROPN
emaj-238	146	16	,	,	PUNCT
emaj-238	146	17	2015	2015	NUM
emaj-238	146	18	)	)	PUNCT
emaj-238	146	19	.	.	PUNCT
emaj-238	147	1	israel	israel	PROPN
emaj-238	147	2	(	(	PUNCT
emaj-238	147	3	1992	1992	NUM
emaj-238	147	4	)	)	PUNCT
emaj-238	147	5	proposed	propose	VERB
emaj-238	147	6	employing	employ	VERB
emaj-238	147	7	the	the	DET
emaj-238	147	8	complete	complete	ADJ
emaj-238	147	9	population	population	NOUN
emaj-238	147	10	as	as	ADP
emaj-238	147	11	a	a	DET
emaj-238	147	12	sample	sample	NOUN
emaj-238	147	13	,	,	PUNCT
emaj-238	147	14	using	use	VERB
emaj-238	147	15	specified	specify	VERB
emaj-238	147	16	methods	method	NOUN
emaj-238	147	17	,	,	PUNCT
emaj-238	147	18	or	or	CCONJ
emaj-238	147	19	copying	copy	VERB
emaj-238	147	20	the	the	DET
emaj-238	147	21	sample	sample	NOUN
emaj-238	147	22	size	size	NOUN
emaj-238	147	23	of	of	ADP
emaj-238	147	24	previous	previous	ADJ
emaj-238	147	25	research	research	NOUN
emaj-238	147	26	when	when	SCONJ
emaj-238	147	27	determining	determine	VERB
emaj-238	147	28	the	the	DET
emaj-238	147	29	same	same	ADJ
emaj-238	147	30	size	size	NOUN
emaj-238	147	31	.	.	PUNCT
emaj-238	148	1	only	only	ADV
emaj-238	148	2	315	315	NUM
emaj-238	148	3	replies	reply	NOUN
emaj-238	148	4	were	be	AUX
emaj-238	148	5	usable	usable	ADJ
emaj-238	148	6	among	among	ADP
emaj-238	148	7	the	the	DET
emaj-238	148	8	330	330	NUM
emaj-238	148	9	questionnaires	questionnaire	NOUN
emaj-238	148	10	distributed	distribute	VERB
emaj-238	148	11	to	to	ADP
emaj-238	148	12	the	the	DET
emaj-238	148	13	target	target	NOUN
emaj-238	148	14	group	group	NOUN
emaj-238	148	15	in	in	ADP
emaj-238	148	16	this	this	DET
emaj-238	148	17	study	study	NOUN
emaj-238	148	18	.	.	PUNCT
emaj-238	149	1	this	this	DET
emaj-238	149	2	sample	sample	NOUN
emaj-238	149	3	size	size	NOUN
emaj-238	149	4	is	be	AUX
emaj-238	149	5	similar	similar	ADJ
emaj-238	149	6	to	to	ADP
emaj-238	149	7	what	what	PRON
emaj-238	149	8	has	have	AUX
emaj-238	149	9	been	be	AUX
emaj-238	149	10	used	use	VERB
emaj-238	149	11	in	in	ADP
emaj-238	149	12	previous	previous	ADJ
emaj-238	149	13	research	research	NOUN
emaj-238	149	14	(	(	PUNCT
emaj-238	149	15	islam	islam	PROPN
emaj-238	149	16	and	and	CCONJ
emaj-238	149	17	mamun	mamun	PROPN
emaj-238	149	18	,	,	PUNCT
emaj-238	149	19	2017	2017	NUM
emaj-238	149	20	;	;	PUNCT
emaj-238	149	21	jahan	jahan	PROPN
emaj-238	149	22	and	and	CCONJ
emaj-238	149	23	sabbir	sabbir	NOUN
emaj-238	149	24	,	,	PUNCT
emaj-238	149	25	2018	2018	NUM
emaj-238	149	26	;	;	PUNCT
emaj-238	149	27	mahdzan	mahdzan	ADJ
emaj-238	149	28	and	and	CCONJ
emaj-238	149	29	victorian	victorian	ADJ
emaj-238	149	30	,	,	PUNCT
emaj-238	149	31	2013	2013	NUM
emaj-238	149	32	;	;	PUNCT
emaj-238	149	33	mamun	mamun	PROPN
emaj-238	149	34	et	et	PROPN
emaj-238	149	35	al	al	PROPN
emaj-238	149	36	.	.	PROPN
emaj-238	149	37	,	,	PUNCT
emaj-238	149	38	2013	2013	NUM
emaj-238	149	39	)	)	PUNCT
emaj-238	149	40	.	.	PUNCT
emaj-238	150	1	furthermore	furthermore	ADV
emaj-238	150	2	,	,	PUNCT
emaj-238	150	3	tabachnick	tabachnick	NOUN
emaj-238	150	4	and	and	CCONJ
emaj-238	150	5	fidell	fidell	PROPN
emaj-238	150	6	(	(	PUNCT
emaj-238	150	7	2014	2014	NUM
emaj-238	150	8	)	)	PUNCT
emaj-238	150	9	stated	state	VERB
emaj-238	150	10	that	that	SCONJ
emaj-238	150	11	for	for	ADP
emaj-238	150	12	exploratory	exploratory	ADJ
emaj-238	150	13	factor	factor	NOUN
emaj-238	150	14	analysis	analysis	NOUN
emaj-238	150	15	,	,	PUNCT
emaj-238	150	16	300	300	NUM
emaj-238	150	17	samples	sample	NOUN
emaj-238	150	18	is	be	AUX
emaj-238	150	19	sufficient	sufficient	ADJ
emaj-238	150	20	.	.	PUNCT
emaj-238	151	1	furthermore	furthermore	ADV
emaj-238	151	2	,	,	PUNCT
emaj-238	151	3	confirmatory	confirmatory	NOUN
emaj-238	151	4	factor	factor	NOUN
emaj-238	151	5	analysis	analysis	NOUN
emaj-238	151	6	(	(	PUNCT
emaj-238	151	7	cfa	cfa	NOUN
emaj-238	151	8	)	)	PUNCT
emaj-238	151	9	necessitates	necessitate	VERB
emaj-238	151	10	a	a	DET
emaj-238	151	11	sample	sample	NOUN
emaj-238	151	12	size	size	NOUN
emaj-238	151	13	of	of	ADP
emaj-238	151	14	100	100	NUM
emaj-238	151	15	samples	sample	NOUN
emaj-238	151	16	(	(	PUNCT
emaj-238	151	17	maccallum	maccallum	PROPN
emaj-238	151	18	et	et	PROPN
emaj-238	151	19	al	al	PROPN
emaj-238	151	20	.	.	PROPN
emaj-238	151	21	,	,	PUNCT
emaj-238	151	22	1999	1999	NUM
emaj-238	151	23	)	)	PUNCT
emaj-238	151	24	.	.	PUNCT
emaj-238	152	1	instrument	instrument	NOUN
emaj-238	152	2	and	and	CCONJ
emaj-238	152	3	measure	measure	VERB
emaj-238	152	4	self	self	NOUN
emaj-238	152	5	-	-	PUNCT
emaj-238	152	6	administered	administer	VERB
emaj-238	152	7	questionnaire	questionnaire	NOUN
emaj-238	152	8	was	be	AUX
emaj-238	152	9	the	the	DET
emaj-238	152	10	main	main	ADJ
emaj-238	152	11	instrument	instrument	NOUN
emaj-238	152	12	,	,	PUNCT
emaj-238	152	13	exercised	exercise	VERB
emaj-238	152	14	for	for	ADP
emaj-238	152	15	data	data	NOUN
emaj-238	152	16	collection	collection	NOUN
emaj-238	152	17	.	.	PUNCT
emaj-238	153	1	measures	measure	NOUN
emaj-238	153	2	for	for	ADP
emaj-238	153	3	perception	perception	NOUN
emaj-238	153	4	variables	variable	NOUN
emaj-238	153	5	were	be	AUX
emaj-238	153	6	adopted	adopt	VERB
emaj-238	153	7	from	from	ADP
emaj-238	153	8	the	the	DET
emaj-238	153	9	study	study	NOUN
emaj-238	153	10	of	of	ADP
emaj-238	153	11	ackah	ackah	PROPN
emaj-238	153	12	and	and	CCONJ
emaj-238	153	13	owusu	owusu	PROPN
emaj-238	153	14	,	,	PUNCT
emaj-238	153	15	(	(	PUNCT
emaj-238	153	16	2012	2012	NUM
emaj-238	153	17	)	)	PUNCT
emaj-238	153	18	with	with	ADP
emaj-238	153	19	five	five	NUM
emaj-238	153	20	items	item	NOUN
emaj-238	153	21	.	.	PUNCT
emaj-238	154	1	cultural	cultural	ADJ
emaj-238	154	2	trends	trend	NOUN
emaj-238	154	3	was	be	AUX
emaj-238	154	4	captured	capture	VERB
emaj-238	154	5	by	by	ADP
emaj-238	154	6	modifying	modify	VERB
emaj-238	154	7	twelve	twelve	NUM
emaj-238	154	8	items	item	NOUN
emaj-238	154	9	used	use	VERB
emaj-238	154	10	by	by	ADP
emaj-238	154	11	leavitt	leavitt	X
emaj-238	154	12	(	(	PUNCT
emaj-238	154	13	2003	2003	NUM
emaj-238	154	14	)	)	PUNCT
emaj-238	154	15	,	,	PUNCT
emaj-238	154	16	fershtman	fershtman	NOUN
emaj-238	154	17	,	,	PUNCT
emaj-238	154	18	gneezy	gneezy	NOUN
emaj-238	154	19	and	and	CCONJ
emaj-238	154	20	hoffman	hoffman	NOUN
emaj-238	154	21	,	,	PUNCT
emaj-238	154	22	(	(	PUNCT
emaj-238	154	23	2011	2011	NUM
emaj-238	154	24	)	)	PUNCT
emaj-238	154	25	,	,	PUNCT
emaj-238	154	26	s.	s.	PROPN
emaj-238	154	27	abdul	abdul	PROPN
emaj-238	154	28	shukor	shukor	PROPN
emaj-238	154	29	and	and	CCONJ
emaj-238	154	30	ahmad	ahmad	PROPN
emaj-238	154	31	jamal	jamal	PROPN
emaj-238	154	32	zaid	zaid	PROPN
emaj-238	154	33	ahmad	ahmad	PROPN
emaj-238	154	34	ansari	ansari	PROPN
emaj-238	154	35	(	(	PUNCT
emaj-238	154	36	2012	2012	NUM
emaj-238	154	37	)	)	PUNCT
emaj-238	154	38	,	,	PUNCT
emaj-238	154	39	nwankwo	nwankwo	PROPN
emaj-238	154	40	,	,	PUNCT
emaj-238	154	41	and	and	CCONJ
emaj-238	154	42	ajemunigbohun	ajemunigbohun	PROPN
emaj-238	154	43	,	,	PUNCT
emaj-238	154	44	(	(	PUNCT
emaj-238	154	45	2013	2013	NUM
emaj-238	154	46	)	)	PUNCT
emaj-238	154	47	,	,	PUNCT
emaj-238	154	48	and	and	CCONJ
emaj-238	154	49	ackah	ackah	PROPN
emaj-238	154	50	.	.	PUNCT
emaj-238	155	1	and	and	CCONJ
emaj-238	155	2	owusu	owusu	PROPN
emaj-238	155	3	(	(	PUNCT
emaj-238	155	4	2012	2012	NUM
emaj-238	155	5	)	)	PUNCT
emaj-238	155	6	for	for	ADP
emaj-238	155	7	the	the	DET
emaj-238	155	8	current	current	ADJ
emaj-238	155	9	study	study	NOUN
emaj-238	155	10	.	.	PUNCT
emaj-238	156	1	awareness	awareness	NOUN
emaj-238	156	2	toward	toward	ADP
emaj-238	156	3	purchase	purchase	NOUN
emaj-238	156	4	was	be	AUX
emaj-238	156	5	observed	observe	VERB
emaj-238	156	6	by	by	ADP
emaj-238	156	7	adapting	adapt	VERB
emaj-238	156	8	three	three	NUM
emaj-238	156	9	items	item	NOUN
emaj-238	156	10	from	from	ADP
emaj-238	156	11	owusu	owusu	PROPN
emaj-238	156	12	-	-	PUNCT
emaj-238	156	13	frimpong	frimpong	PROPN
emaj-238	156	14	(	(	PUNCT
emaj-238	156	15	2007	2007	NUM
emaj-238	156	16	)	)	PUNCT
emaj-238	156	17	for	for	ADP
emaj-238	156	18	the	the	DET
emaj-238	156	19	current	current	ADJ
emaj-238	156	20	study	study	NOUN
emaj-238	156	21	after	after	ADP
emaj-238	156	22	the	the	DET
emaj-238	156	23	review	review	NOUN
emaj-238	156	24	of	of	ADP
emaj-238	156	25	extant	extant	ADJ
emaj-238	156	26	literature	literature	NOUN
emaj-238	156	27	.	.	PUNCT
emaj-238	157	1	four	four	NUM
emaj-238	157	2	items	item	NOUN
emaj-238	157	3	were	be	AUX
emaj-238	157	4	adopted	adopt	VERB
emaj-238	157	5	from	from	ADP
emaj-238	157	6	omar	omar	PROPN
emaj-238	157	7	and	and	CCONJ
emaj-238	157	8	owusu	owusu	PROPN
emaj-238	157	9	-	-	PROPN
emaj-238	157	10	frimpong	frimpong	PROPN
emaj-238	157	11	(	(	PUNCT
emaj-238	157	12	2007	2007	NUM
emaj-238	157	13	)	)	PUNCT
emaj-238	157	14	,	,	PUNCT
emaj-238	157	15	ajzen	ajzen	NOUN
emaj-238	157	16	(	(	PUNCT
emaj-238	157	17	2008	2008	NUM
emaj-238	157	18	)	)	PUNCT
emaj-238	157	19	,	,	PUNCT
emaj-238	157	20	brahmana	brahmana	NOUN
emaj-238	157	21	and	and	CCONJ
emaj-238	157	22	brahmana	brahmana	NOUN
emaj-238	157	23	(	(	PUNCT
emaj-238	157	24	2013	2013	NUM
emaj-238	157	25	)	)	PUNCT
emaj-238	157	26	to	to	PART
emaj-238	157	27	measure	measure	VERB
emaj-238	157	28	attitudinal	attitudinal	ADJ
emaj-238	157	29	trends	trend	NOUN
emaj-238	157	30	.	.	PUNCT
emaj-238	158	1	finally	finally	ADV
emaj-238	158	2	,	,	PUNCT
emaj-238	158	3	the	the	DET
emaj-238	158	4	study	study	NOUN
emaj-238	158	5	observed	observe	VERB
emaj-238	158	6	this	this	DET
emaj-238	158	7	variable	variable	NOUN
emaj-238	158	8	by	by	ADP
emaj-238	158	9	adapting	adapt	VERB
emaj-238	158	10	the	the	DET
emaj-238	158	11	measurement	measurement	NOUN
emaj-238	158	12	of	of	ADP
emaj-238	158	13	jahan	jahan	PROPN
emaj-238	158	14	and	and	CCONJ
emaj-238	158	15	sabbir	sabbir	NOUN
emaj-238	158	16	(	(	PUNCT
emaj-238	158	17	2018	2018	NUM
emaj-238	158	18	)	)	PUNCT
emaj-238	158	19	,	,	PUNCT
emaj-238	158	20	and	and	CCONJ
emaj-238	158	21	han	han	PROPN
emaj-238	158	22	et	et	PROPN
emaj-238	158	23	al	al	PROPN
emaj-238	158	24	.	.	PROPN
emaj-238	159	1	(	(	PUNCT
emaj-238	159	2	2010	2010	NUM
emaj-238	159	3	)	)	PUNCT
emaj-238	159	4	.	.	PUNCT
emaj-238	160	1	demographic	demographic	ADJ
emaj-238	160	2	profile	profile	NOUN
emaj-238	160	3	of	of	ADP
emaj-238	160	4	respondents	respondent	NOUN
emaj-238	160	5	respondents	respondent	NOUN
emaj-238	160	6	have	have	AUX
emaj-238	160	7	been	be	AUX
emaj-238	160	8	profiled	profile	VERB
emaj-238	160	9	according	accord	VERB
emaj-238	160	10	to	to	ADP
emaj-238	160	11	gender	gender	NOUN
emaj-238	160	12	,	,	PUNCT
emaj-238	160	13	age	age	NOUN
emaj-238	160	14	,	,	PUNCT
emaj-238	160	15	marital	marital	ADJ
emaj-238	160	16	status	status	NOUN
emaj-238	160	17	,	,	PUNCT
emaj-238	160	18	household	household	NOUN
emaj-238	160	19	number	number	NOUN
emaj-238	160	20	,	,	PUNCT
emaj-238	160	21	employment	employment	NOUN
emaj-238	160	22	status	status	NOUN
emaj-238	160	23	,	,	PUNCT
emaj-238	160	24	educational	educational	ADJ
emaj-238	160	25	level	level	NOUN
emaj-238	160	26	,	,	PUNCT
emaj-238	160	27	and	and	CCONJ
emaj-238	160	28	religion	religion	NOUN
emaj-238	160	29	.	.	PUNCT
emaj-238	161	1	regarding	regard	VERB
emaj-238	161	2	the	the	DET
emaj-238	161	3	gender	gender	NOUN
emaj-238	161	4	distribution	distribution	NOUN
emaj-238	161	5	of	of	ADP
emaj-238	161	6	the	the	DET
emaj-238	161	7	respondents	respondent	NOUN
emaj-238	161	8	,	,	PUNCT
emaj-238	161	9	172	172	NUM
emaj-238	161	10	males	male	NOUN
emaj-238	161	11	representing	represent	VERB
emaj-238	161	12	59.1	59.1	NUM
emaj-238	161	13	%	%	NOUN
emaj-238	161	14	,	,	PUNCT
emaj-238	161	15	and	and	CCONJ
emaj-238	161	16	119	119	NUM
emaj-238	161	17	females	female	NOUN
emaj-238	161	18	representing	represent	VERB
emaj-238	161	19	volume	volume	NOUN
emaj-238	161	20	12	12	NUM
emaj-238	161	21	no	no	DET
emaj-238	161	22	1	1	NUM
emaj-238	161	23	(	(	PUNCT
emaj-238	161	24	2021	2021	NUM
emaj-238	161	25	)	)	PUNCT
emaj-238	161	26	|	|	ADV
emaj-238	161	27	issn	issn	VERB
emaj-238	161	28	2158	2158	NUM
emaj-238	161	29	-	-	SYM
emaj-238	161	30	8708	8708	NUM
emaj-238	161	31	(	(	PUNCT
emaj-238	161	32	online	online	NOUN
emaj-238	161	33	)	)	PUNCT
emaj-238	161	34	|	|	ADV
emaj-238	161	35	doi	doi	X
emaj-238	161	36	10.5195	10.5195	NUM
emaj-238	161	37	/	/	SYM
emaj-238	161	38	emaj.2022.238	emaj.2022.238	NOUN
emaj-238	162	1	|	|	NOUN
emaj-238	162	2	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-238	162	3	cultural	cultural	ADJ
emaj-238	162	4	and	and	CCONJ
emaj-238	162	5	attitudinal	attitudinal	ADJ
emaj-238	162	6	tenets	tenet	NOUN
emaj-238	162	7	of	of	ADP
emaj-238	162	8	ghanaians	ghanaians	PROPN
emaj-238	162	9	on	on	ADP
emaj-238	162	10	insurance	insurance	NOUN
emaj-238	162	11	service	service	NOUN
emaj-238	162	12	:	:	PUNCT
emaj-238	162	13	an	an	DET
emaj-238	162	14	empirical	empirical	ADJ
emaj-238	162	15	study	study	NOUN
emaj-238	162	16	page	page	NOUN
emaj-238	162	17	|18|	|18|	NOUN
emaj-238	162	18	emerging	emerge	VERB
emaj-238	162	19	markets	market	NOUN
emaj-238	162	20	journal	journal	NOUN
emaj-238	162	21	40.9	40.9	NUM
emaj-238	162	22	%	%	NOUN
emaj-238	162	23	were	be	AUX
emaj-238	162	24	engaged	engage	VERB
emaj-238	162	25	for	for	ADP
emaj-238	162	26	the	the	DET
emaj-238	162	27	study	study	NOUN
emaj-238	162	28	in	in	ADP
emaj-238	162	29	the	the	DET
emaj-238	162	30	kumasi	kumasi	NOUN
emaj-238	162	31	metropolis	metropolis	PROPN
emaj-238	162	32	.	.	PUNCT
emaj-238	163	1	the	the	DET
emaj-238	163	2	total	total	ADJ
emaj-238	163	3	respondents	respondent	NOUN
emaj-238	163	4	were	be	AUX
emaj-238	163	5	therefore	therefore	ADV
emaj-238	163	6	,	,	PUNCT
emaj-238	163	7	291	291	NUM
emaj-238	163	8	representing	represent	VERB
emaj-238	163	9	100	100	NUM
emaj-238	163	10	%	%	NOUN
emaj-238	163	11	.	.	PUNCT
emaj-238	164	1	in	in	ADP
emaj-238	164	2	terms	term	NOUN
emaj-238	164	3	of	of	ADP
emaj-238	164	4	age	age	NOUN
emaj-238	164	5	distribution	distribution	NOUN
emaj-238	164	6	,	,	PUNCT
emaj-238	164	7	194	194	NUM
emaj-238	164	8	respondents	respondent	NOUN
emaj-238	164	9	were	be	AUX
emaj-238	164	10	between	between	ADP
emaj-238	164	11	the	the	DET
emaj-238	164	12	range	range	NOUN
emaj-238	164	13	21	21	NUM
emaj-238	164	14	to	to	PART
emaj-238	164	15	30	30	NUM
emaj-238	164	16	years	year	NOUN
emaj-238	164	17	,	,	PUNCT
emaj-238	164	18	representing	represent	VERB
emaj-238	164	19	66.7	66.7	NUM
emaj-238	164	20	%	%	NOUN
emaj-238	164	21	,	,	PUNCT
emaj-238	164	22	whereas	whereas	SCONJ
emaj-238	164	23	between	between	ADP
emaj-238	164	24	the	the	DET
emaj-238	164	25	range	range	NOUN
emaj-238	164	26	of	of	ADP
emaj-238	164	27	21	21	NUM
emaj-238	164	28	to	to	PART
emaj-238	164	29	30	30	NUM
emaj-238	164	30	years	year	NOUN
emaj-238	164	31	there	there	PRON
emaj-238	164	32	were	be	VERB
emaj-238	164	33	194	194	NUM
emaj-238	164	34	respondents	respondent	NOUN
emaj-238	164	35	representing	represent	VERB
emaj-238	164	36	66.7	66.7	NUM
emaj-238	164	37	%	%	NOUN
emaj-238	164	38	while	while	SCONJ
emaj-238	164	39	the	the	DET
emaj-238	164	40	age	age	NOUN
emaj-238	164	41	category	category	NOUN
emaj-238	164	42	of	of	ADP
emaj-238	164	43	41	41	NUM
emaj-238	164	44	-	-	SYM
emaj-238	164	45	50	50	NUM
emaj-238	164	46	years	year	NOUN
emaj-238	164	47	with	with	ADP
emaj-238	164	48	10	10	NUM
emaj-238	164	49	respondents	respondent	NOUN
emaj-238	164	50	representing	represent	VERB
emaj-238	164	51	3.4	3.4	NUM
emaj-238	164	52	%	%	NOUN
emaj-238	164	53	was	be	AUX
emaj-238	164	54	the	the	DET
emaj-238	164	55	lowest	low	ADJ
emaj-238	164	56	.	.	PUNCT
emaj-238	165	1	the	the	DET
emaj-238	165	2	marital	marital	ADJ
emaj-238	165	3	status	status	NOUN
emaj-238	165	4	of	of	ADP
emaj-238	165	5	the	the	DET
emaj-238	165	6	respondents	respondent	NOUN
emaj-238	165	7	was	be	AUX
emaj-238	165	8	as	as	SCONJ
emaj-238	165	9	follows	follow	VERB
emaj-238	165	10	:	:	PUNCT
emaj-238	165	11	204	204	NUM
emaj-238	165	12	representing	represent	VERB
emaj-238	165	13	70.1	70.1	NUM
emaj-238	165	14	%	%	NOUN
emaj-238	165	15	were	be	AUX
emaj-238	165	16	single	single	ADJ
emaj-238	165	17	,	,	PUNCT
emaj-238	165	18	whereas	whereas	SCONJ
emaj-238	165	19	1	1	NUM
emaj-238	165	20	respondent	respondent	NOUN
emaj-238	165	21	representing	represent	VERB
emaj-238	165	22	0.3	0.3	NUM
emaj-238	165	23	%	%	NOUN
emaj-238	165	24	was	be	AUX
emaj-238	165	25	widowed	widow	VERB
emaj-238	165	26	.	.	PUNCT
emaj-238	166	1	as	as	SCONJ
emaj-238	166	2	regard	regard	VERB
emaj-238	166	3	the	the	DET
emaj-238	166	4	employment	employment	NOUN
emaj-238	166	5	status	status	NOUN
emaj-238	166	6	of	of	ADP
emaj-238	166	7	the	the	DET
emaj-238	166	8	respondents	respondent	NOUN
emaj-238	166	9	,	,	PUNCT
emaj-238	166	10	out	out	ADP
emaj-238	166	11	of	of	ADP
emaj-238	166	12	the	the	DET
emaj-238	166	13	total	total	NOUN
emaj-238	166	14	of	of	ADP
emaj-238	166	15	291,133	291,133	NUM
emaj-238	166	16	respondents	respondent	NOUN
emaj-238	166	17	representing	represent	VERB
emaj-238	166	18	45.7	45.7	NUM
emaj-238	166	19	%	%	NOUN
emaj-238	166	20	were	be	AUX
emaj-238	166	21	employed	employ	VERB
emaj-238	166	22	,	,	PUNCT
emaj-238	166	23	and	and	CCONJ
emaj-238	166	24	others	other	NOUN
emaj-238	166	25	were	be	AUX
emaj-238	166	26	12	12	NUM
emaj-238	166	27	representing	represent	VERB
emaj-238	166	28	4.1	4.1	NUM
emaj-238	166	29	%	%	NOUN
emaj-238	166	30	.	.	PUNCT
emaj-238	167	1	as	as	SCONJ
emaj-238	167	2	regard	regard	VERB
emaj-238	167	3	the	the	DET
emaj-238	167	4	educational	educational	ADJ
emaj-238	167	5	level	level	NOUN
emaj-238	167	6	of	of	ADP
emaj-238	167	7	the	the	DET
emaj-238	167	8	respondents	respondent	NOUN
emaj-238	167	9	,	,	PUNCT
emaj-238	167	10	those	those	PRON
emaj-238	167	11	with	with	ADP
emaj-238	167	12	diploma	diploma	NOUN
emaj-238	167	13	were	be	AUX
emaj-238	167	14	137	137	NUM
emaj-238	167	15	which	which	PRON
emaj-238	167	16	represented	represent	VERB
emaj-238	167	17	47.1	47.1	NUM
emaj-238	167	18	%	%	NOUN
emaj-238	167	19	,	,	PUNCT
emaj-238	167	20	whereas	whereas	SCONJ
emaj-238	167	21	3	3	NUM
emaj-238	167	22	respondents	respondent	NOUN
emaj-238	167	23	representing	represent	VERB
emaj-238	167	24	1.0	1.0	NUM
emaj-238	167	25	%	%	NOUN
emaj-238	167	26	had	have	VERB
emaj-238	167	27	no	no	DET
emaj-238	167	28	diploma	diploma	NOUN
emaj-238	167	29	.	.	PUNCT
emaj-238	168	1	last	last	ADJ
emaj-238	168	2	but	but	CCONJ
emaj-238	168	3	not	not	PART
emaj-238	168	4	the	the	DET
emaj-238	168	5	least	least	ADJ
emaj-238	168	6	of	of	ADP
emaj-238	168	7	the	the	DET
emaj-238	168	8	demographic	demographic	ADJ
emaj-238	168	9	variable	variable	NOUN
emaj-238	168	10	to	to	PART
emaj-238	168	11	be	be	AUX
emaj-238	168	12	captured	capture	VERB
emaj-238	168	13	was	be	AUX
emaj-238	168	14	the	the	DET
emaj-238	168	15	religion	religion	NOUN
emaj-238	168	16	status	status	NOUN
emaj-238	168	17	of	of	ADP
emaj-238	168	18	the	the	DET
emaj-238	168	19	respondents	respondent	NOUN
emaj-238	168	20	.	.	PUNCT
emaj-238	169	1	out	out	ADP
emaj-238	169	2	of	of	ADP
emaj-238	169	3	the	the	DET
emaj-238	169	4	total	total	NOUN
emaj-238	169	5	of	of	ADP
emaj-238	169	6	291	291	NUM
emaj-238	169	7	,	,	PUNCT
emaj-238	169	8	christianity	christianity	PROPN
emaj-238	169	9	were	be	AUX
emaj-238	169	10	246	246	NUM
emaj-238	169	11	,	,	PUNCT
emaj-238	169	12	representing	represent	VERB
emaj-238	169	13	84.5	84.5	NUM
emaj-238	169	14	%	%	NOUN
emaj-238	169	15	,	,	PUNCT
emaj-238	169	16	while	while	SCONJ
emaj-238	169	17	others	other	NOUN
emaj-238	169	18	were	be	AUX
emaj-238	169	19	2	2	NUM
emaj-238	169	20	representing	represent	VERB
emaj-238	169	21	0.7	0.7	NUM
emaj-238	169	22	%	%	NOUN
emaj-238	169	23	.	.	PUNCT
emaj-238	170	1	this	this	PRON
emaj-238	170	2	is	be	AUX
emaj-238	170	3	not	not	PART
emaj-238	170	4	surprising	surprising	ADJ
emaj-238	170	5	since	since	SCONJ
emaj-238	170	6	christianity	christianity	PROPN
emaj-238	170	7	is	be	AUX
emaj-238	170	8	far	far	ADV
emaj-238	170	9	the	the	DET
emaj-238	170	10	dominant	dominant	ADJ
emaj-238	170	11	religion	religion	NOUN
emaj-238	170	12	in	in	ADP
emaj-238	170	13	ghana	ghana	PROPN
emaj-238	170	14	.	.	PUNCT
emaj-238	171	1	validity	validity	NOUN
emaj-238	171	2	and	and	CCONJ
emaj-238	171	3	reliability	reliability	NOUN
emaj-238	171	4	results	result	VERB
emaj-238	171	5	the	the	DET
emaj-238	171	6	validity	validity	NOUN
emaj-238	171	7	and	and	CCONJ
emaj-238	171	8	reliability	reliability	NOUN
emaj-238	171	9	of	of	ADP
emaj-238	171	10	the	the	DET
emaj-238	171	11	consistency	consistency	NOUN
emaj-238	171	12	of	of	ADP
emaj-238	171	13	the	the	DET
emaj-238	171	14	calculation	calculation	NOUN
emaj-238	171	15	were	be	AUX
emaj-238	171	16	checked	check	VERB
emaj-238	171	17	prior	prior	ADV
emaj-238	171	18	to	to	ADP
emaj-238	171	19	the	the	DET
emaj-238	171	20	data	datum	NOUN
emaj-238	171	21	analysis	analysis	NOUN
emaj-238	171	22	.	.	PUNCT
emaj-238	172	1	reliability	reliability	NOUN
emaj-238	172	2	tests	test	NOUN
emaj-238	172	3	how	how	SCONJ
emaj-238	172	4	accurate	accurate	ADJ
emaj-238	172	5	an	an	DET
emaj-238	172	6	instrument	instrument	NOUN
emaj-238	172	7	measures	measure	NOUN
emaj-238	172	8	its	its	PRON
emaj-238	172	9	build	build	NOUN
emaj-238	172	10	,	,	PUNCT
emaj-238	172	11	while	while	SCONJ
emaj-238	172	12	validity	validity	NOUN
emaj-238	172	13	measures	measure	VERB
emaj-238	172	14	how	how	SCONJ
emaj-238	172	15	well	well	ADV
emaj-238	172	16	an	an	DET
emaj-238	172	17	instrument	instrument	NOUN
emaj-238	172	18	measures	measure	VERB
emaj-238	172	19	the	the	DET
emaj-238	172	20	basic	basic	ADJ
emaj-238	172	21	concept	concept	NOUN
emaj-238	172	22	to	to	PART
emaj-238	172	23	be	be	AUX
emaj-238	172	24	measured	measure	VERB
emaj-238	172	25	by	by	ADP
emaj-238	172	26	it	it	PRON
emaj-238	172	27	(	(	PUNCT
emaj-238	172	28	sekaran	sekaran	NOUN
emaj-238	172	29	and	and	CCONJ
emaj-238	172	30	bougie	bougie	NOUN
emaj-238	172	31	,	,	PUNCT
emaj-238	172	32	2010	2010	NUM
emaj-238	172	33	)	)	PUNCT
emaj-238	172	34	.	.	PUNCT
emaj-238	173	1	the	the	DET
emaj-238	173	2	cronbach	cronbach	ADJ
emaj-238	173	3	alpha	alpha	NOUN
emaj-238	173	4	is	be	AUX
emaj-238	173	5	the	the	DET
emaj-238	173	6	benchmark	benchmark	NOUN
emaj-238	173	7	for	for	ADP
emaj-238	173	8	testing	test	VERB
emaj-238	173	9	the	the	DET
emaj-238	173	10	reliability	reliability	NOUN
emaj-238	173	11	of	of	ADP
emaj-238	173	12	the	the	DET
emaj-238	173	13	tests	test	NOUN
emaj-238	173	14	.	.	PUNCT
emaj-238	174	1	as	as	SCONJ
emaj-238	174	2	seen	see	VERB
emaj-238	174	3	from	from	ADP
emaj-238	174	4	table	table	NOUN
emaj-238	174	5	2	2	NUM
emaj-238	174	6	,	,	PUNCT
emaj-238	174	7	and	and	CCONJ
emaj-238	174	8	indicated	indicate	VERB
emaj-238	174	9	by	by	ADP
emaj-238	174	10	nunnally	nunnally	PROPN
emaj-238	174	11	and	and	CCONJ
emaj-238	174	12	bernstein	bernstein	PROPN
emaj-238	174	13	(	(	PUNCT
emaj-238	174	14	1994	1994	NUM
emaj-238	174	15	)	)	PUNCT
emaj-238	174	16	,	,	PUNCT
emaj-238	174	17	all	all	DET
emaj-238	174	18	the	the	DET
emaj-238	174	19	alpha	alpha	ADJ
emaj-238	174	20	values	value	NOUN
emaj-238	174	21	are	be	AUX
emaj-238	174	22	higher	high	ADJ
emaj-238	174	23	than	than	ADP
emaj-238	174	24	0.6	0.6	NUM
emaj-238	174	25	.	.	PUNCT
emaj-238	175	1	it	it	PRON
emaj-238	175	2	can	can	AUX
emaj-238	175	3	be	be	AUX
emaj-238	175	4	inferred	infer	VERB
emaj-238	175	5	that	that	SCONJ
emaj-238	175	6	for	for	ADP
emaj-238	175	7	use	use	NOUN
emaj-238	175	8	in	in	ADP
emaj-238	175	9	the	the	DET
emaj-238	175	10	survey	survey	NOUN
emaj-238	175	11	,	,	PUNCT
emaj-238	175	12	the	the	DET
emaj-238	175	13	items	item	NOUN
emaj-238	175	14	in	in	ADP
emaj-238	175	15	the	the	DET
emaj-238	175	16	questionnaire	questionnaire	NOUN
emaj-238	175	17	are	be	AUX
emaj-238	175	18	accurate	accurate	ADJ
emaj-238	175	19	.	.	PUNCT
emaj-238	176	1	a	a	DET
emaj-238	176	2	composite	composite	ADJ
emaj-238	176	3	reliability	reliability	NOUN
emaj-238	176	4	of	of	ADP
emaj-238	176	5	0.70	0.70	NUM
emaj-238	176	6	or	or	CCONJ
emaj-238	176	7	greater	great	ADJ
emaj-238	176	8	is	be	AUX
emaj-238	176	9	considered	consider	VERB
emaj-238	176	10	appropriate	appropriate	ADJ
emaj-238	176	11	(	(	PUNCT
emaj-238	176	12	fornell	fornell	NOUN
emaj-238	176	13	and	and	CCONJ
emaj-238	176	14	larcker	larcker	NOUN
emaj-238	176	15	1981	1981	NUM
emaj-238	176	16	)	)	PUNCT
emaj-238	176	17	,	,	PUNCT
emaj-238	176	18	equivalent	equivalent	ADJ
emaj-238	176	19	to	to	PART
emaj-238	176	20	cronbach	cronbach	VERB
emaj-238	176	21	's	's	PART
emaj-238	176	22	alpha	alpha	NOUN
emaj-238	176	23	for	for	ADP
emaj-238	176	24	the	the	DET
emaj-238	176	25	reliability	reliability	NOUN
emaj-238	176	26	calculation	calculation	NOUN
emaj-238	176	27	of	of	ADP
emaj-238	176	28	internal	internal	ADJ
emaj-238	176	29	consistency	consistency	NOUN
emaj-238	176	30	.	.	PUNCT
emaj-238	177	1	as	as	ADP
emaj-238	177	2	such	such	ADJ
emaj-238	177	3	,	,	PUNCT
emaj-238	177	4	the	the	DET
emaj-238	177	5	measurements	measurement	NOUN
emaj-238	177	6	are	be	AUX
emaj-238	177	7	accurate	accurate	ADJ
emaj-238	177	8	.	.	PUNCT
emaj-238	178	1	table	table	NOUN
emaj-238	178	2	2	2	NUM
emaj-238	178	3	:	:	PUNCT
emaj-238	178	4	reliability	reliability	NOUN
emaj-238	178	5	and	and	CCONJ
emaj-238	178	6	validity	validity	NOUN
emaj-238	178	7	factor	factor	NOUN
emaj-238	178	8	loadings	loading	NOUN
emaj-238	178	9	source	source	NOUN
emaj-238	178	10	:	:	PUNCT
emaj-238	178	11	spss	spss	PROPN
emaj-238	178	12	software	software	PROPN
emaj-238	178	13	output	output	VERB
emaj-238	178	14	the	the	DET
emaj-238	178	15	composite	composite	ADJ
emaj-238	178	16	reliability	reliability	NOUN
emaj-238	178	17	(	(	PUNCT
emaj-238	178	18	cr	cr	NOUN
emaj-238	178	19	)	)	PUNCT
emaj-238	178	20	values	value	NOUN
emaj-238	178	21	were	be	AUX
emaj-238	178	22	also	also	ADV
emaj-238	178	23	greater	great	ADJ
emaj-238	178	24	than	than	ADP
emaj-238	178	25	0.80	0.80	NUM
emaj-238	178	26	and	and	CCONJ
emaj-238	178	27	the	the	DET
emaj-238	178	28	extracted	extract	VERB
emaj-238	178	29	average	average	ADJ
emaj-238	178	30	variance	variance	NOUN
emaj-238	178	31	>	>	X
emaj-238	178	32	.50	.50	NUM
emaj-238	178	33	,	,	PUNCT
emaj-238	178	34	indicating	indicate	VERB
emaj-238	178	35	convergent	convergent	ADJ
emaj-238	178	36	validity	validity	NOUN
emaj-238	178	37	when	when	SCONJ
emaj-238	178	38	there	there	PRON
emaj-238	178	39	is	be	VERB
emaj-238	178	40	consensus	consensus	NOUN
emaj-238	178	41	between	between	ADP
emaj-238	178	42	the	the	DET
emaj-238	178	43	multiple	multiple	ADJ
emaj-238	178	44	items	item	NOUN
emaj-238	178	45	measuring	measure	VERB
emaj-238	178	46	a	a	DET
emaj-238	178	47	single	single	ADJ
emaj-238	178	48	definition	definition	NOUN
emaj-238	178	49	and	and	CCONJ
emaj-238	178	50	showing	show	VERB
emaj-238	178	51	sufficient	sufficient	ADJ
emaj-238	178	52	internal	internal	ADJ
emaj-238	178	53	consistency	consistency	NOUN
emaj-238	178	54	of	of	ADP
emaj-238	178	55	the	the	DET
emaj-238	178	56	constructs	construct	NOUN
emaj-238	178	57	(	(	PUNCT
emaj-238	178	58	fornell	fornell	NOUN
emaj-238	178	59	and	and	CCONJ
emaj-238	178	60	larcker	larcker	NOUN
emaj-238	178	61	,	,	PUNCT
emaj-238	178	62	1981	1981	NUM
emaj-238	178	63	;	;	PUNCT
emaj-238	178	64	hair	hair	NOUN
emaj-238	178	65	et	et	PROPN
emaj-238	178	66	al	al	PROPN
emaj-238	178	67	,	,	PUNCT
emaj-238	178	68	2012	2012	NUM
emaj-238	178	69	;	;	PUNCT
emaj-238	178	70	babin	babin	PROPN
emaj-238	178	71	and	and	CCONJ
emaj-238	178	72	zikmund	zikmund	PROPN
emaj-238	178	73	,	,	PUNCT
emaj-238	178	74	2016	2016	NUM
emaj-238	178	75	)	)	PUNCT
emaj-238	178	76	.	.	PUNCT
emaj-238	179	1	the	the	DET
emaj-238	179	2	table	table	NOUN
emaj-238	179	3	above	above	ADV
emaj-238	179	4	shows	show	VERB
emaj-238	179	5	the	the	DET
emaj-238	179	6	details	detail	NOUN
emaj-238	179	7	of	of	ADP
emaj-238	179	8	the	the	DET
emaj-238	179	9	reliability	reliability	NOUN
emaj-238	179	10	,	,	PUNCT
emaj-238	179	11	factor	factor	NOUN
emaj-238	179	12	loadings	loading	NOUN
emaj-238	179	13	,	,	PUNCT
emaj-238	179	14	and	and	CCONJ
emaj-238	179	15	average	average	ADJ
emaj-238	179	16	variance	variance	NOUN
emaj-238	179	17	extracted	extract	VERB
emaj-238	179	18	of	of	ADP
emaj-238	179	19	the	the	DET
emaj-238	179	20	constructs	construct	NOUN
emaj-238	179	21	.	.	PUNCT
emaj-238	180	1	table	table	NOUN
emaj-238	180	2	3	3	NUM
emaj-238	180	3	:	:	PUNCT
emaj-238	180	4	discriminant	discriminant	ADJ
emaj-238	180	5	validity	validity	NOUN
emaj-238	180	6	source	source	NOUN
emaj-238	180	7	:	:	PUNCT
emaj-238	180	8	spss	spss	PROPN
emaj-238	180	9	software	software	NOUN
emaj-238	180	10	output	output	NOUN
emaj-238	180	11	in	in	ADP
emaj-238	180	12	order	order	NOUN
emaj-238	180	13	to	to	PART
emaj-238	180	14	quantify	quantify	VERB
emaj-238	180	15	the	the	DET
emaj-238	180	16	degree	degree	NOUN
emaj-238	180	17	to	to	PART
emaj-238	180	18	which	which	PRON
emaj-238	180	19	the	the	DET
emaj-238	180	20	constructs	construct	NOUN
emaj-238	180	21	differed	differ	VERB
emaj-238	180	22	and	and	CCONJ
emaj-238	180	23	to	to	PART
emaj-238	180	24	evaluate	evaluate	VERB
emaj-238	180	25	the	the	DET
emaj-238	180	26	freedom	freedom	NOUN
emaj-238	180	27	of	of	ADP
emaj-238	180	28	measurement	measurement	NOUN
emaj-238	180	29	model	model	NOUN
emaj-238	180	30	of	of	ADP
emaj-238	180	31	a	a	DET
emaj-238	180	32	construct	construct	NOUN
emaj-238	180	33	from	from	ADP
emaj-238	180	34	redundant	redundant	ADJ
emaj-238	180	35	objects	object	NOUN
emaj-238	180	36	,	,	PUNCT
emaj-238	180	37	discriminant	discriminant	ADJ
emaj-238	180	38	validity	validity	NOUN
emaj-238	180	39	was	be	AUX
emaj-238	180	40	also	also	ADV
emaj-238	180	41	used	use	VERB
emaj-238	180	42	.	.	PUNCT
emaj-238	181	1	in	in	ADP
emaj-238	181	2	particular	particular	ADJ
emaj-238	181	3	,	,	PUNCT
emaj-238	181	4	the	the	DET
emaj-238	181	5	measure	measure	NOUN
emaj-238	181	6	was	be	AUX
emaj-238	181	7	assumed	assume	VERB
emaj-238	181	8	to	to	PART
emaj-238	181	9	have	have	VERB
emaj-238	181	10	discriminant	discriminant	ADJ
emaj-238	181	11	validity	validity	NOUN
emaj-238	181	12	if	if	SCONJ
emaj-238	181	13	the	the	DET
emaj-238	181	14	items	item	NOUN
emaj-238	181	15	in	in	ADP
emaj-238	181	16	a	a	DET
emaj-238	181	17	construct	construct	NOUN
emaj-238	181	18	were	be	AUX
emaj-238	181	19	more	more	ADV
emaj-238	181	20	closely	closely	ADV
emaj-238	181	21	correlated	correlate	VERB
emaj-238	181	22	with	with	ADP
emaj-238	181	23	each	each	DET
emaj-238	181	24	other	other	ADJ
emaj-238	181	25	than	than	ADP
emaj-238	181	26	with	with	ADP
emaj-238	181	27	items	item	NOUN
emaj-238	181	28	measuring	measure	VERB
emaj-238	181	29	other	other	ADJ
emaj-238	181	30	constructs	construct	NOUN
emaj-238	181	31	.	.	PUNCT
emaj-238	182	1	in	in	ADP
emaj-238	182	2	this	this	DET
emaj-238	182	3	light	light	NOUN
emaj-238	182	4	,	,	PUNCT
emaj-238	182	5	the	the	DET
emaj-238	182	6	calculation	calculation	NOUN
emaj-238	182	7	of	of	ADP
emaj-238	182	8	a	a	DET
emaj-238	182	9	different	different	ADJ
emaj-238	182	10	construct	construct	NOUN
emaj-238	182	11	should	should	AUX
emaj-238	182	12	not	not	PART
emaj-238	182	13	be	be	AUX
emaj-238	182	14	strongly	strongly	ADV
emaj-238	182	15	associated	associate	VERB
emaj-238	182	16	with	with	ADP
emaj-238	182	17	a	a	DET
emaj-238	182	18	scale	scale	NOUN
emaj-238	182	19	(	(	PUNCT
emaj-238	182	20	babin	babin	PROPN
emaj-238	182	21	and	and	CCONJ
emaj-238	182	22	zikmund	zikmund	PROPN
emaj-238	182	23	,	,	PUNCT
emaj-238	182	24	2016	2016	NUM
emaj-238	182	25	)	)	PUNCT
emaj-238	182	26	.	.	PUNCT
emaj-238	183	1	scholars	scholar	NOUN
emaj-238	183	2	such	such	ADJ
emaj-238	183	3	as	as	ADP
emaj-238	183	4	fornell	fornell	NOUN
emaj-238	183	5	and	and	CCONJ
emaj-238	183	6	lacker	lacker	PROPN
emaj-238	183	7	(	(	PUNCT
emaj-238	183	8	1981	1981	NUM
emaj-238	183	9	)	)	PUNCT
emaj-238	183	10	postulate	postulate	VERB
emaj-238	183	11	that	that	SCONJ
emaj-238	183	12	the	the	DET
emaj-238	183	13	ave	ave	PROPN
emaj-238	183	14	's	's	PART
emaj-238	183	15	square	square	ADJ
emaj-238	183	16	root	root	NOUN
emaj-238	183	17	should	should	AUX
emaj-238	183	18	be	be	AUX
emaj-238	183	19	volume	volume	NOUN
emaj-238	183	20	12	12	NUM
emaj-238	183	21	no	no	DET
emaj-238	183	22	1	1	NUM
emaj-238	183	23	(	(	PUNCT
emaj-238	183	24	2022	2022	NUM
emaj-238	183	25	)	)	PUNCT
emaj-238	183	26	|	|	ADV
emaj-238	183	27	issn	issn	VERB
emaj-238	183	28	2158	2158	NUM
emaj-238	183	29	-	-	SYM
emaj-238	183	30	8708	8708	NUM
emaj-238	183	31	(	(	PUNCT
emaj-238	183	32	online	online	NOUN
emaj-238	183	33	)	)	PUNCT
emaj-238	183	34	|	|	ADV
emaj-238	183	35	doi	doi	X
emaj-238	183	36	10.5195	10.5195	NUM
emaj-238	183	37	/	/	SYM
emaj-238	183	38	emaj.2022.238	emaj.2022.238	NOUN
emaj-238	183	39	|	|	NOUN
emaj-238	183	40	http://emaj.pitt.edu	http://emaj.pitt.edu	PROPN
emaj-238	183	41	francis	francis	PROPN
emaj-238	183	42	osei	osei	PROPN
emaj-238	183	43	,	,	PUNCT
emaj-238	183	44	christian	christian	PROPN
emaj-238	183	45	narh	narh	NOUN
emaj-238	183	46	opata	opata	NOUN
emaj-238	183	47	,	,	PUNCT
emaj-238	183	48	collins	collins	PROPN
emaj-238	183	49	kankam	kankam	PROPN
emaj-238	183	50	-	-	PUNCT
emaj-238	183	51	kwarteng	kwarteng	PROPN
emaj-238	183	52	,	,	PUNCT
emaj-238	183	53	daniel	daniel	PROPN
emaj-238	183	54	ofori	ofori	ADV
emaj-238	183	55	emerging	emerge	VERB
emaj-238	183	56	markets	market	NOUN
emaj-238	183	57	journal	journal	NOUN
emaj-238	183	58	|	|	ADV
emaj-238	183	59	p	p	NOUN
emaj-238	183	60	a	a	DET
emaj-238	183	61	g	g	NOUN
emaj-238	183	62	e	e	NOUN
emaj-238	183	63	1	1	NUM
emaj-238	183	64	9	9	NUM
emaj-238	183	65	greater	great	ADJ
emaj-238	183	66	than	than	ADP
emaj-238	183	67	the	the	DET
emaj-238	183	68	correlation	correlation	NOUN
emaj-238	183	69	between	between	ADP
emaj-238	183	70	the	the	DET
emaj-238	183	71	construct	construct	NOUN
emaj-238	183	72	and	and	CCONJ
emaj-238	183	73	the	the	DET
emaj-238	183	74	other	other	ADJ
emaj-238	183	75	constructs	construct	NOUN
emaj-238	183	76	,	,	PUNCT
emaj-238	183	77	and	and	CCONJ
emaj-238	183	78	this	this	DET
emaj-238	183	79	research	research	NOUN
emaj-238	183	80	is	be	AUX
emaj-238	183	81	in	in	ADP
emaj-238	183	82	line	line	NOUN
emaj-238	183	83	with	with	ADP
emaj-238	183	84	this	this	DET
emaj-238	183	85	claim	claim	NOUN
emaj-238	183	86	because	because	SCONJ
emaj-238	183	87	,	,	PUNCT
emaj-238	183	88	for	for	ADP
emaj-238	183	89	each	each	DET
emaj-238	183	90	construct	construct	NOUN
emaj-238	183	91	,	,	PUNCT
emaj-238	183	92	all	all	DET
emaj-238	183	93	the	the	DET
emaj-238	183	94	constructs	construct	NOUN
emaj-238	183	95	met	meet	VERB
emaj-238	183	96	the	the	DET
emaj-238	183	97	discriminant	discriminant	ADJ
emaj-238	183	98	validity	validity	NOUN
emaj-238	183	99	with	with	ADP
emaj-238	183	100	the	the	DET
emaj-238	183	101	ave	ave	NOUN
emaj-238	183	102	greater	great	ADJ
emaj-238	183	103	than	than	ADP
emaj-238	183	104	the	the	DET
emaj-238	183	105	square	square	ADJ
emaj-238	183	106	correlation	correlation	NOUN
emaj-238	183	107	with	with	ADP
emaj-238	183	108	the	the	DET
emaj-238	183	109	other	other	ADJ
emaj-238	183	110	constructs	construct	NOUN
emaj-238	183	111	as	as	SCONJ
emaj-238	183	112	shown	show	VERB
emaj-238	183	113	in	in	ADP
emaj-238	183	114	the	the	DET
emaj-238	183	115	above	above	ADJ
emaj-238	183	116	table	table	NOUN
emaj-238	183	117	.	.	PUNCT
emaj-238	184	1	this	this	PRON
emaj-238	184	2	is	be	AUX
emaj-238	184	3	the	the	DET
emaj-238	184	4	inter	inter	ADJ
emaj-238	184	5	-	-	ADJ
emaj-238	184	6	construct	construct	ADJ
emaj-238	184	7	correlation	correlation	NOUN
emaj-238	184	8	matrix	matrix	NOUN
emaj-238	184	9	.	.	PUNCT
emaj-238	185	1	table	table	NOUN
emaj-238	185	2	4	4	NUM
emaj-238	185	3	:	:	PUNCT
emaj-238	185	4	total	total	ADJ
emaj-238	185	5	effects	effect	NOUN
emaj-238	185	6	source	source	NOUN
emaj-238	185	7	:	:	PUNCT
emaj-238	185	8	spss	spss	PROPN
emaj-238	185	9	software	software	PROPN
emaj-238	185	10	output	output	NOUN
emaj-238	185	11	mediation	mediation	NOUN
emaj-238	185	12	test	test	NOUN
emaj-238	185	13	the	the	DET
emaj-238	185	14	mediation	mediation	NOUN
emaj-238	185	15	test	test	NOUN
emaj-238	185	16	is	be	AUX
emaj-238	185	17	used	use	VERB
emaj-238	185	18	to	to	PART
emaj-238	185	19	determine	determine	VERB
emaj-238	185	20	whether	whether	SCONJ
emaj-238	185	21	the	the	DET
emaj-238	185	22	mediation	mediation	NOUN
emaj-238	185	23	structure	structure	NOUN
emaj-238	185	24	can	can	AUX
emaj-238	185	25	effectively	effectively	ADV
emaj-238	185	26	transfer	transfer	VERB
emaj-238	185	27	the	the	DET
emaj-238	185	28	ability	ability	NOUN
emaj-238	185	29	of	of	ADP
emaj-238	185	30	the	the	DET
emaj-238	185	31	independent	independent	ADJ
emaj-238	185	32	variable	variable	NOUN
emaj-238	185	33	to	to	ADP
emaj-238	185	34	the	the	DET
emaj-238	185	35	dependent	dependent	ADJ
emaj-238	185	36	variable	variable	NOUN
emaj-238	185	37	(	(	PUNCT
emaj-238	185	38	ramayah	ramayah	NOUN
emaj-238	185	39	et	et	PROPN
emaj-238	185	40	al	al	PROPN
emaj-238	185	41	.	.	PROPN
emaj-238	185	42	,	,	PUNCT
emaj-238	185	43	2011	2011	NUM
emaj-238	185	44	)	)	PUNCT
emaj-238	185	45	.	.	PUNCT
emaj-238	186	1	on	on	ADP
emaj-238	186	2	the	the	DET
emaj-238	186	3	other	other	ADJ
emaj-238	186	4	hand	hand	NOUN
emaj-238	186	5	,	,	PUNCT
emaj-238	186	6	the	the	DET
emaj-238	186	7	mediation	mediation	NOUN
emaj-238	186	8	test	test	NOUN
emaj-238	186	9	uses	use	VERB
emaj-238	186	10	mediation	mediation	NOUN
emaj-238	186	11	variables	variable	NOUN
emaj-238	186	12	to	to	PART
emaj-238	186	13	identify	identify	VERB
emaj-238	186	14	the	the	DET
emaj-238	186	15	indirect	indirect	ADJ
emaj-238	186	16	effects	effect	NOUN
emaj-238	186	17	of	of	ADP
emaj-238	186	18	independent	independent	ADJ
emaj-238	186	19	variables	variable	NOUN
emaj-238	186	20	on	on	ADP
emaj-238	186	21	dependent	dependent	ADJ
emaj-238	186	22	variables	variable	NOUN
emaj-238	186	23	.	.	PUNCT
emaj-238	187	1	in	in	ADP
emaj-238	187	2	addition	addition	NOUN
emaj-238	187	3	,	,	PUNCT
emaj-238	187	4	hayes	hayes	PROPN
emaj-238	187	5	and	and	CCONJ
emaj-238	187	6	preacher	preacher	PROPN
emaj-238	187	7	(	(	PUNCT
emaj-238	187	8	2010	2010	NUM
emaj-238	187	9	)	)	PUNCT
emaj-238	187	10	found	find	VERB
emaj-238	187	11	that	that	SCONJ
emaj-238	187	12	the	the	DET
emaj-238	187	13	mediation	mediation	NOUN
emaj-238	187	14	analysis	analysis	NOUN
emaj-238	187	15	in	in	ADP
emaj-238	187	16	multivariate	multivariate	NOUN
emaj-238	187	17	analysis	analysis	NOUN
emaj-238	187	18	can	can	AUX
emaj-238	187	19	be	be	AUX
emaj-238	187	20	determined	determine	VERB
emaj-238	187	21	using	use	VERB
emaj-238	187	22	a	a	DET
emaj-238	187	23	variety	variety	NOUN
emaj-238	187	24	of	of	ADP
emaj-238	187	25	techniques	technique	NOUN
emaj-238	187	26	,	,	PUNCT
emaj-238	187	27	including	include	VERB
emaj-238	187	28	(	(	PUNCT
emaj-238	187	29	1	1	X
emaj-238	187	30	)	)	PUNCT
emaj-238	187	31	simple	simple	ADJ
emaj-238	187	32	techniques	technique	NOUN
emaj-238	187	33	such	such	ADJ
emaj-238	187	34	as	as	ADP
emaj-238	187	35	causal	causal	ADJ
emaj-238	187	36	step	step	NOUN
emaj-238	187	37	method	method	NOUN
emaj-238	187	38	(	(	PUNCT
emaj-238	187	39	baron	baron	NOUN
emaj-238	187	40	&	&	CCONJ
emaj-238	187	41	kenny	kenny	PROPN
emaj-238	187	42	,	,	PUNCT
emaj-238	187	43	1986	1986	NUM
emaj-238	187	44	)	)	PUNCT
emaj-238	187	45	or	or	CCONJ
emaj-238	187	46	sobel	sobel	PROPN
emaj-238	187	47	test	test	NOUN
emaj-238	187	48	(	(	PUNCT
emaj-238	187	49	sobel	sobel	NOUN
emaj-238	187	50	,	,	PUNCT
emaj-238	187	51	1982	1982	NUM
emaj-238	187	52	)	)	PUNCT
emaj-238	187	53	.	.	PUNCT
emaj-238	188	1	the	the	DET
emaj-238	188	2	new	new	ADJ
emaj-238	188	3	method	method	NOUN
emaj-238	188	4	only	only	ADV
emaj-238	188	5	requires	require	VERB
emaj-238	188	6	some	some	DET
emaj-238	188	7	unrealistic	unrealistic	ADJ
emaj-238	188	8	statistical	statistical	ADJ
emaj-238	188	9	assumptions	assumption	NOUN
emaj-238	188	10	.	.	PUNCT
emaj-238	189	1	two	two	NUM
emaj-238	189	2	examples	example	NOUN
emaj-238	189	3	are	be	AUX
emaj-238	189	4	the	the	DET
emaj-238	189	5	distribution	distribution	NOUN
emaj-238	189	6	of	of	ADP
emaj-238	189	7	product	product	NOUN
emaj-238	189	8	methods	method	NOUN
emaj-238	189	9	(	(	PUNCT
emaj-238	189	10	mackinnon	mackinnon	PROPN
emaj-238	189	11	,	,	PUNCT
emaj-238	189	12	lockwood	lockwood	PROPN
emaj-238	189	13	and	and	CCONJ
emaj-238	189	14	williams	williams	PROPN
emaj-238	189	15	,	,	PUNCT
emaj-238	189	16	2004	2004	NUM
emaj-238	189	17	)	)	PUNCT
emaj-238	189	18	and	and	CCONJ
emaj-238	189	19	resampling	resample	VERB
emaj-238	189	20	techniques	technique	NOUN
emaj-238	189	21	such	such	ADJ
emaj-238	189	22	as	as	ADP
emaj-238	189	23	guided	guide	VERB
emaj-238	189	24	methods	method	NOUN
emaj-238	189	25	(	(	PUNCT
emaj-238	189	26	bollen	bollen	PROPN
emaj-238	189	27	and	and	CCONJ
emaj-238	189	28	stine	stine	PROPN
emaj-238	189	29	,	,	PUNCT
emaj-238	189	30	1990	1990	NUM
emaj-238	189	31	;	;	PUNCT
emaj-238	189	32	preacher	preacher	NOUN
emaj-238	189	33	and	and	CCONJ
emaj-238	189	34	hayes	hayes	PROPN
emaj-238	189	35	,	,	PUNCT
emaj-238	189	36	2004	2004	NUM
emaj-238	189	37	,	,	PUNCT
emaj-238	189	38	2008	2008	NUM
emaj-238	189	39	;	;	PUNCT
emaj-238	189	40	shrout	shrout	NOUN
emaj-238	189	41	and	and	CCONJ
emaj-238	189	42	bolger	bolger	NOUN
emaj-238	189	43	,	,	PUNCT
emaj-238	189	44	2002	2002	NUM
emaj-238	189	45	)	)	PUNCT
emaj-238	189	46	.	.	PUNCT
emaj-238	190	1	partial	partial	ADJ
emaj-238	190	2	least	least	ADJ
emaj-238	190	3	squares	square	NOUN
emaj-238	190	4	(	(	PUNCT
emaj-238	190	5	pls	pls	INTJ
emaj-238	190	6	)	)	PUNCT
emaj-238	190	7	structural	structural	ADJ
emaj-238	190	8	equation	equation	NOUN
emaj-238	190	9	modeling	modeling	NOUN
emaj-238	190	10	(	(	PUNCT
emaj-238	190	11	sem	sem	NOUN
emaj-238	190	12	)	)	PUNCT
emaj-238	190	13	techniques	technique	NOUN
emaj-238	190	14	were	be	AUX
emaj-238	190	15	used	use	VERB
emaj-238	190	16	to	to	PART
emaj-238	190	17	evaluate	evaluate	VERB
emaj-238	190	18	the	the	DET
emaj-238	190	19	hypotheses	hypothesis	NOUN
emaj-238	190	20	of	of	ADP
emaj-238	190	21	this	this	DET
emaj-238	190	22	survey	survey	NOUN
emaj-238	190	23	,	,	PUNCT
emaj-238	190	24	which	which	PRON
emaj-238	190	25	is	be	AUX
emaj-238	190	26	important	important	ADJ
emaj-238	190	27	because	because	SCONJ
emaj-238	190	28	the	the	DET
emaj-238	190	29	intermediary	intermediary	ADJ
emaj-238	190	30	test	test	NOUN
emaj-238	190	31	used	use	VERB
emaj-238	190	32	in	in	ADP
emaj-238	190	33	this	this	DET
emaj-238	190	34	article	article	NOUN
emaj-238	190	35	is	be	AUX
emaj-238	190	36	based	base	VERB
emaj-238	190	37	on	on	ADP
emaj-238	190	38	the	the	DET
emaj-238	190	39	pls	pls	PROPN
emaj-238	190	40	method	method	NOUN
emaj-238	190	41	(	(	PUNCT
emaj-238	190	42	wold	wold	ADJ
emaj-238	190	43	,	,	PUNCT
emaj-238	190	44	1985	1985	NUM
emaj-238	190	45	)	)	PUNCT
emaj-238	190	46	.	.	PUNCT
emaj-238	191	1	combined	combine	VERB
emaj-238	191	2	with	with	ADP
emaj-238	191	3	assumptions	assumption	NOUN
emaj-238	191	4	,	,	PUNCT
emaj-238	191	5	the	the	DET
emaj-238	191	6	intermediary	intermediary	ADJ
emaj-238	191	7	test	test	NOUN
emaj-238	191	8	uses	use	VERB
emaj-238	191	9	the	the	DET
emaj-238	191	10	bootstrap	bootstrap	NOUN
emaj-238	191	11	5000	5000	NUM
emaj-238	191	12	resampling	resampling	NOUN
emaj-238	191	13	technique	technique	NOUN
emaj-238	191	14	for	for	ADP
emaj-238	191	15	evaluation	evaluation	NOUN
emaj-238	191	16	(	(	PUNCT
emaj-238	191	17	hair	hair	NOUN
emaj-238	191	18	,	,	PUNCT
emaj-238	191	19	ringle	ringle	NOUN
emaj-238	191	20	,	,	PUNCT
emaj-238	191	21	and	and	CCONJ
emaj-238	191	22	sarstedt	sarstedt	NOUN
emaj-238	191	23	,	,	PUNCT
emaj-238	191	24	2011	2011	NUM
emaj-238	191	25	;	;	PUNCT
emaj-238	191	26	zhao	zhao	PROPN
emaj-238	191	27	,	,	PUNCT
emaj-238	191	28	lynch	lynch	PROPN
emaj-238	191	29	,	,	PUNCT
emaj-238	191	30	and	and	CCONJ
emaj-238	191	31	chen	chen	PROPN
emaj-238	191	32	,	,	PUNCT
emaj-238	191	33	2010	2010	NUM
emaj-238	191	34	)	)	PUNCT
emaj-238	191	35	.	.	PUNCT
emaj-238	192	1	in	in	ADP
emaj-238	192	2	addition	addition	NOUN
emaj-238	192	3	,	,	PUNCT
emaj-238	192	4	the	the	DET
emaj-238	192	5	intermediary	intermediary	NOUN
emaj-238	192	6	is	be	AUX
emaj-238	192	7	determined	determine	VERB
emaj-238	192	8	by	by	ADP
emaj-238	192	9	multiplying	multiply	VERB
emaj-238	192	10	the	the	DET
emaj-238	192	11	average	average	ADJ
emaj-238	192	12	values	value	NOUN
emaj-238	192	13	of	of	ADP
emaj-238	192	14	paths	path	NOUN
emaj-238	192	15	"	"	PUNCT
emaj-238	192	16	a	a	PRON
emaj-238	192	17	"	"	PUNCT
emaj-238	192	18	and	and	CCONJ
emaj-238	192	19	"	"	PUNCT
emaj-238	192	20	b	b	NOUN
emaj-238	192	21	"	"	PUNCT
emaj-238	192	22	,	,	PUNCT
emaj-238	192	23	and	and	CCONJ
emaj-238	192	24	then	then	ADV
emaj-238	192	25	dividing	divide	VERB
emaj-238	192	26	the	the	DET
emaj-238	192	27	result	result	NOUN
emaj-238	192	28	by	by	ADP
emaj-238	192	29	the	the	DET
emaj-238	192	30	standard	standard	ADJ
emaj-238	192	31	error	error	NOUN
emaj-238	192	32	of	of	ADP
emaj-238	192	33	the	the	DET
emaj-238	192	34	path	path	NOUN
emaj-238	192	35	(	(	PUNCT
emaj-238	192	36	kock	kock	PROPN
emaj-238	192	37	,	,	PUNCT
emaj-238	192	38	2013	2013	NUM
emaj-238	192	39	)	)	PUNCT
emaj-238	192	40	.	.	PUNCT
emaj-238	193	1	the	the	DET
emaj-238	193	2	positive	positive	ADJ
emaj-238	193	3	reading	reading	NOUN
emaj-238	193	4	of	of	ADP
emaj-238	193	5	all	all	DET
emaj-238	193	6	the	the	DET
emaj-238	193	7	variables	variable	NOUN
emaj-238	193	8	confirm	confirm	VERB
emaj-238	193	9	that	that	SCONJ
emaj-238	193	10	the	the	DET
emaj-238	193	11	model	model	NOUN
emaj-238	193	12	fits	fit	VERB
emaj-238	193	13	the	the	DET
emaj-238	193	14	data	datum	NOUN
emaj-238	193	15	perfectly	perfectly	ADV
emaj-238	193	16	.	.	PUNCT
emaj-238	194	1	figure	figure	VERB
emaj-238	194	2	2	2	NUM
emaj-238	194	3	.	.	PUNCT
emaj-238	194	4	structural	structural	ADJ
emaj-238	194	5	model	model	NOUN
emaj-238	194	6	of	of	ADP
emaj-238	194	7	the	the	DET
emaj-238	194	8	path	path	NOUN
emaj-238	194	9	coefficient	coefficient	NOUN
emaj-238	194	10	table	table	NOUN
emaj-238	194	11	5	5	NUM
emaj-238	194	12	:	:	PUNCT
emaj-238	194	13	structural	structural	ADJ
emaj-238	194	14	analysis	analysis	NOUN
emaj-238	194	15	source	source	NOUN
emaj-238	194	16	:	:	PUNCT
emaj-238	194	17	spss	spss	PROPN
emaj-238	194	18	software	software	PROPN
emaj-238	194	19	output	output	VERB
emaj-238	194	20	indirect	indirect	ADJ
emaj-238	194	21	effects	effect	NOUN
emaj-238	194	22	table	table	NOUN
emaj-238	194	23	6	6	NUM
emaj-238	194	24	:	:	PUNCT
emaj-238	194	25	indirect	indirect	ADJ
emaj-238	194	26	effects	effect	NOUN
emaj-238	194	27	note	note	VERB
emaj-238	194	28	:	:	PUNCT
emaj-238	195	1	at=	at=	NOUN
emaj-238	195	2	attitudinal	attitudinal	ADJ
emaj-238	195	3	trends	trend	NOUN
emaj-238	195	4	;	;	PUNCT
emaj-238	195	5	a=	a=	ADJ
emaj-238	195	6	awareness	awareness	NOUN
emaj-238	195	7	;	;	PUNCT
emaj-238	195	8	ct=	ct=	ADJ
emaj-238	195	9	cultural	cultural	ADJ
emaj-238	195	10	trends	trend	NOUN
emaj-238	195	11	;	;	PUNCT
emaj-238	195	12	p=	p=	ADJ
emaj-238	195	13	perception	perception	NOUN
emaj-238	195	14	;	;	PUNCT
emaj-238	195	15	ip=	ip=	ADJ
emaj-238	195	16	purchase	purchase	NOUN
emaj-238	195	17	intention	intention	NOUN
emaj-238	195	18	.	.	PUNCT
emaj-238	196	1	*	*	PUNCT
emaj-238	196	2	significance	significance	NOUN
emaj-238	196	3	at	at	ADP
emaj-238	196	4	p	p	X
emaj-238	196	5	<	<	X
emaj-238	196	6	0.05	0.05	NUM
emaj-238	196	7	;	;	PUNCT
emaj-238	196	8	*	*	PUNCT
emaj-238	196	9	*	*	NOUN
emaj-238	196	10	significance	significance	NOUN
emaj-238	196	11	at	at	ADP
emaj-238	196	12	p	p	X
emaj-238	196	13	<	<	X
emaj-238	196	14	0.01	0.01	NUM
emaj-238	196	15	;	;	PUNCT
emaj-238	196	16	*	*	PUNCT
emaj-238	196	17	*	*	PUNCT
emaj-238	196	18	*	*	NOUN
emaj-238	196	19	significance	significance	NOUN
emaj-238	196	20	at	at	ADP
emaj-238	196	21	p	p	X
emaj-238	196	22	<	<	X
emaj-238	196	23	0.001	0.001	NUM
emaj-238	196	24	.	.	PUNCT
emaj-238	197	1	summary	summary	NOUN
emaj-238	197	2	of	of	ADP
emaj-238	197	3	the	the	DET
emaj-238	197	4	hypothesized	hypothesized	ADJ
emaj-238	197	5	relationships	relationship	NOUN
emaj-238	197	6	for	for	ADP
emaj-238	197	7	hypothesis	hypothesis	NOUN
emaj-238	197	8	testing	testing	NOUN
emaj-238	197	9	,	,	PUNCT
emaj-238	197	10	structure	structure	NOUN
emaj-238	197	11	equation	equation	NOUN
emaj-238	197	12	modeling	modeling	NOUN
emaj-238	197	13	(	(	PUNCT
emaj-238	197	14	sem	sem	NOUN
emaj-238	197	15	)	)	PUNCT
emaj-238	197	16	was	be	AUX
emaj-238	197	17	used	use	VERB
emaj-238	197	18	with	with	ADP
emaj-238	197	19	the	the	DET
emaj-238	197	20	partial	partial	ADJ
emaj-238	197	21	least	least	ADV
emaj-238	197	22	square	square	ADJ
emaj-238	197	23	(	(	PUNCT
emaj-238	197	24	smart	smart	ADJ
emaj-238	197	25	pls	pls	NOUN
emaj-238	197	26	)	)	PUNCT
emaj-238	197	27	method	method	NOUN
emaj-238	197	28	.	.	PUNCT
emaj-238	198	1	that	that	PRON
emaj-238	198	2	was	be	AUX
emaj-238	198	3	to	to	PART
emaj-238	198	4	use	use	VERB
emaj-238	198	5	the	the	DET
emaj-238	198	6	route	route	NOUN
emaj-238	198	7	coefficients	coefficient	NOUN
emaj-238	198	8	supplied	supply	VERB
emaj-238	198	9	by	by	ADP
emaj-238	198	10	sem	sem	NOUN
emaj-238	198	11	for	for	ADP
emaj-238	198	12	testing	test	VERB
emaj-238	198	13	the	the	DET
emaj-238	198	14	hypotheses	hypothesis	NOUN
emaj-238	198	15	.	.	PUNCT
emaj-238	199	1	attitudinal	attitudinal	ADJ
emaj-238	199	2	trends	trend	NOUN
emaj-238	199	3	(	(	PUNCT
emaj-238	199	4	β	β	X
emaj-238	199	5	=	=	SYM
emaj-238	199	6	0.397	0.397	NUM
emaj-238	199	7	,	,	PUNCT
emaj-238	199	8	t	t	NOUN
emaj-238	199	9	=	=	PROPN
emaj-238	199	10	5.477	5.477	NUM
emaj-238	199	11	,	,	PUNCT
emaj-238	199	12	p	p	NOUN
emaj-238	199	13	=	=	NOUN
emaj-238	199	14	0.000	0.000	NUM
emaj-238	199	15	)	)	PUNCT
emaj-238	199	16	was	be	AUX
emaj-238	199	17	found	find	VERB
emaj-238	199	18	to	to	PART
emaj-238	199	19	have	have	VERB
emaj-238	199	20	a	a	DET
emaj-238	199	21	significant	significant	ADJ
emaj-238	199	22	effect	effect	NOUN
emaj-238	199	23	on	on	ADP
emaj-238	199	24	awareness	awareness	NOUN
emaj-238	199	25	,	,	PUNCT
emaj-238	199	26	thus	thus	ADV
emaj-238	199	27	supported	support	VERB
emaj-238	199	28	h1	h1	NOUN
emaj-238	199	29	.	.	PUNCT
emaj-238	200	1	attitudinal	attitudinal	ADJ
emaj-238	200	2	trends	trend	NOUN
emaj-238	200	3	(	(	PUNCT
emaj-238	200	4	β	β	X
emaj-238	200	5	=	=	SYM
emaj-238	200	6	0.168	0.168	NUM
emaj-238	200	7	,	,	PUNCT
emaj-238	200	8	t	t	NOUN
emaj-238	200	9	=	=	NUM
emaj-238	200	10	2.180	2.180	NUM
emaj-238	200	11	,	,	PUNCT
emaj-238	200	12	p	p	X
emaj-238	200	13	=	=	NOUN
emaj-238	200	14	0.030	0.030	NUM
emaj-238	200	15	)	)	PUNCT
emaj-238	200	16	was	be	AUX
emaj-238	200	17	found	find	VERB
emaj-238	200	18	to	to	PART
emaj-238	200	19	have	have	VERB
emaj-238	200	20	a	a	DET
emaj-238	200	21	significant	significant	ADJ
emaj-238	200	22	effect	effect	NOUN
emaj-238	200	23	on	on	ADP
emaj-238	200	24	perception	perception	NOUN
emaj-238	200	25	,	,	PUNCT
emaj-238	200	26	thus	thus	ADV
emaj-238	200	27	supported	support	VERB
emaj-238	200	28	h2	h2	NOUN
emaj-238	200	29	.	.	PUNCT
emaj-238	201	1	attitudinal	attitudinal	ADJ
emaj-238	201	2	trends	trend	NOUN
emaj-238	201	3	(	(	PUNCT
emaj-238	201	4	β	β	X
emaj-238	201	5	=	=	SYM
emaj-238	201	6	0.078	0.078	NUM
emaj-238	201	7	,	,	PUNCT
emaj-238	201	8	t	t	NOUN
emaj-238	201	9	=	=	PUNCT
emaj-238	201	10	5.819	5.819	NUM
emaj-238	201	11	,	,	PUNCT
emaj-238	201	12	p	p	PRON
emaj-238	201	13	volume	volume	NOUN
emaj-238	201	14	12	12	NUM
emaj-238	201	15	no	no	DET
emaj-238	201	16	1	1	NUM
emaj-238	201	17	(	(	PUNCT
emaj-238	201	18	2021	2021	NUM
emaj-238	201	19	)	)	PUNCT
emaj-238	201	20	|	|	ADV
emaj-238	201	21	issn	issn	VERB
emaj-238	201	22	2158	2158	NUM
emaj-238	201	23	-	-	SYM
emaj-238	201	24	8708	8708	NUM
emaj-238	201	25	(	(	PUNCT
emaj-238	201	26	online	online	NOUN
emaj-238	201	27	)	)	PUNCT
emaj-238	201	28	|	|	ADV
emaj-238	201	29	doi	doi	X
emaj-238	201	30	10.5195	10.5195	NUM
emaj-238	201	31	/	/	SYM
emaj-238	201	32	emaj.2022.238	emaj.2022.238	NOUN
emaj-238	201	33	|	|	NOUN
emaj-238	201	34	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-238	201	35	cultural	cultural	ADJ
emaj-238	201	36	and	and	CCONJ
emaj-238	201	37	attitudinal	attitudinal	ADJ
emaj-238	201	38	tenets	tenet	NOUN
emaj-238	201	39	of	of	ADP
emaj-238	201	40	ghanaians	ghanaians	PROPN
emaj-238	201	41	on	on	ADP
emaj-238	201	42	insurance	insurance	NOUN
emaj-238	201	43	service	service	NOUN
emaj-238	201	44	:	:	PUNCT
emaj-238	201	45	an	an	DET
emaj-238	201	46	empirical	empirical	ADJ
emaj-238	201	47	study	study	NOUN
emaj-238	201	48	page	page	NOUN
emaj-238	201	49	|20|	|20|	NOUN
emaj-238	201	50	emerging	emerge	VERB
emaj-238	201	51	markets	market	NOUN
emaj-238	201	52	journal	journal	NOUN
emaj-238	201	53	=	=	NOUN
emaj-238	201	54	0.000	0.000	NUM
emaj-238	201	55	)	)	PUNCT
emaj-238	201	56	was	be	AUX
emaj-238	201	57	found	find	VERB
emaj-238	201	58	to	to	PART
emaj-238	201	59	have	have	VERB
emaj-238	201	60	a	a	DET
emaj-238	201	61	significantly	significantly	ADV
emaj-238	201	62	positive	positive	ADJ
emaj-238	201	63	effect	effect	NOUN
emaj-238	201	64	on	on	ADP
emaj-238	201	65	purchase	purchase	NOUN
emaj-238	201	66	intention	intention	NOUN
emaj-238	201	67	,	,	PUNCT
emaj-238	201	68	thus	thus	ADV
emaj-238	201	69	supported	support	VERB
emaj-238	201	70	h3	h3	NOUN
emaj-238	201	71	.	.	PUNCT
emaj-238	202	1	awareness	awareness	NOUN
emaj-238	202	2	(	(	PUNCT
emaj-238	202	3	β=	β=	NOUN
emaj-238	202	4	0.835	0.835	NUM
emaj-238	202	5	,	,	PUNCT
emaj-238	202	6	t	t	PROPN
emaj-238	202	7	=	=	SYM
emaj-238	202	8	22.747	22.747	NUM
emaj-238	202	9	,	,	PUNCT
emaj-238	202	10	p	p	X
emaj-238	202	11	=	=	NOUN
emaj-238	202	12	0.000	0.000	NUM
emaj-238	202	13	)	)	PUNCT
emaj-238	202	14	was	be	AUX
emaj-238	202	15	found	find	VERB
emaj-238	202	16	to	to	PART
emaj-238	202	17	have	have	VERB
emaj-238	202	18	a	a	DET
emaj-238	202	19	significantly	significantly	ADV
emaj-238	202	20	positive	positive	ADJ
emaj-238	202	21	effect	effect	NOUN
emaj-238	202	22	on	on	ADP
emaj-238	202	23	purchase	purchase	NOUN
emaj-238	202	24	intention	intention	NOUN
emaj-238	202	25	,	,	PUNCT
emaj-238	202	26	thus	thus	ADV
emaj-238	202	27	supported	support	VERB
emaj-238	202	28	h4	h4	NOUN
emaj-238	202	29	.	.	PUNCT
emaj-238	203	1	cultural	cultural	ADJ
emaj-238	203	2	trends	trend	NOUN
emaj-238	203	3	(	(	PUNCT
emaj-238	203	4	β	β	X
emaj-238	203	5	=	=	SYM
emaj-238	203	6	0.175	0.175	NUM
emaj-238	203	7	,	,	PUNCT
emaj-238	203	8	t	t	NOUN
emaj-238	203	9	=	=	NUM
emaj-238	203	10	2.465	2.465	NUM
emaj-238	203	11	,	,	PUNCT
emaj-238	203	12	p	p	X
emaj-238	203	13	=	=	NOUN
emaj-238	203	14	0.014	0.014	NUM
emaj-238	203	15	)	)	PUNCT
emaj-238	203	16	was	be	AUX
emaj-238	203	17	found	find	VERB
emaj-238	203	18	to	to	PART
emaj-238	203	19	positively	positively	ADV
emaj-238	203	20	affect	affect	VERB
emaj-238	203	21	awareness	awareness	NOUN
emaj-238	203	22	,	,	PUNCT
emaj-238	203	23	thus	thus	ADV
emaj-238	203	24	supported	support	VERB
emaj-238	203	25	h5	h5	NOUN
emaj-238	203	26	.	.	PUNCT
emaj-238	204	1	cultural	cultural	ADJ
emaj-238	204	2	trends	trend	NOUN
emaj-238	204	3	(	(	PUNCT
emaj-238	204	4	β	β	X
emaj-238	204	5	=	=	NUM
emaj-238	204	6	0.058	0.058	NUM
emaj-238	204	7	,	,	PUNCT
emaj-238	204	8	t	t	NOUN
emaj-238	204	9	=	=	PUNCT
emaj-238	204	10	0.718	0.718	NUM
emaj-238	204	11	,	,	PUNCT
emaj-238	204	12	p	p	X
emaj-238	204	13	=	=	NOUN
emaj-238	204	14	0.473	0.473	NUM
emaj-238	204	15	)	)	PUNCT
emaj-238	204	16	was	be	AUX
emaj-238	204	17	found	find	VERB
emaj-238	204	18	not	not	PART
emaj-238	204	19	to	to	PART
emaj-238	204	20	have	have	VERB
emaj-238	204	21	a	a	DET
emaj-238	204	22	significantly	significantly	ADV
emaj-238	204	23	positive	positive	ADJ
emaj-238	204	24	effect	effect	NOUN
emaj-238	204	25	on	on	ADP
emaj-238	204	26	perception	perception	NOUN
emaj-238	204	27	,	,	PUNCT
emaj-238	204	28	thus	thus	ADV
emaj-238	204	29	rejected	reject	VERB
emaj-238	204	30	h6	h6	PROPN
emaj-238	204	31	.	.	PUNCT
emaj-238	205	1	cultural	cultural	ADJ
emaj-238	205	2	trends	trend	NOUN
emaj-238	205	3	(	(	PUNCT
emaj-238	205	4	β=	β=	NOUN
emaj-238	205	5	0.016	0.016	NUM
emaj-238	205	6	,	,	PUNCT
emaj-238	205	7	t	t	PROPN
emaj-238	205	8	=	=	PUNCT
emaj-238	205	9	2.226	2.226	NUM
emaj-238	205	10	,	,	PUNCT
emaj-238	205	11	p	p	X
emaj-238	205	12	=	=	NOUN
emaj-238	205	13	0.026	0.026	NUM
emaj-238	205	14	)	)	PUNCT
emaj-238	205	15	was	be	AUX
emaj-238	205	16	found	find	VERB
emaj-238	205	17	to	to	PART
emaj-238	205	18	have	have	VERB
emaj-238	205	19	a	a	DET
emaj-238	205	20	significantly	significantly	ADV
emaj-238	205	21	positive	positive	ADJ
emaj-238	205	22	effect	effect	NOUN
emaj-238	205	23	on	on	ADP
emaj-238	205	24	purchase	purchase	NOUN
emaj-238	205	25	intention	intention	NOUN
emaj-238	205	26	,	,	PUNCT
emaj-238	205	27	thus	thus	ADV
emaj-238	205	28	supported	support	VERB
emaj-238	205	29	h7	h7	PROPN
emaj-238	205	30	.	.	PUNCT
emaj-238	206	1	perception	perception	NOUN
emaj-238	206	2	(	(	PUNCT
emaj-238	206	3	β	β	X
emaj-238	206	4	=	=	SYM
emaj-238	206	5	0.009	0.009	NUM
emaj-238	206	6	,	,	PUNCT
emaj-238	206	7	t	t	PROPN
emaj-238	206	8	=	=	SYM
emaj-238	206	9	0.304	0.304	NUM
emaj-238	206	10	,	,	PUNCT
emaj-238	206	11	p	p	X
emaj-238	206	12	=	=	NOUN
emaj-238	206	13	0.761	0.761	NUM
emaj-238	206	14	)	)	PUNCT
emaj-238	206	15	was	be	AUX
emaj-238	206	16	found	find	VERB
emaj-238	206	17	not	not	PART
emaj-238	206	18	to	to	PART
emaj-238	206	19	positively	positively	ADV
emaj-238	206	20	affect	affect	VERB
emaj-238	206	21	purchase	purchase	NOUN
emaj-238	206	22	intention	intention	NOUN
emaj-238	206	23	,	,	PUNCT
emaj-238	206	24	thus	thus	ADV
emaj-238	206	25	rejected	reject	VERB
emaj-238	206	26	h8	h8	PROPN
emaj-238	206	27	.	.	PUNCT
emaj-238	207	1	in	in	ADP
emaj-238	207	2	regards	regard	NOUN
emaj-238	207	3	to	to	ADP
emaj-238	207	4	the	the	DET
emaj-238	207	5	mediation	mediation	NOUN
emaj-238	207	6	effect	effect	NOUN
emaj-238	207	7	,	,	PUNCT
emaj-238	207	8	awareness	awareness	NOUN
emaj-238	207	9	relationship	relationship	NOUN
emaj-238	207	10	between	between	ADP
emaj-238	207	11	attitudinal	attitudinal	ADJ
emaj-238	207	12	trends	trend	NOUN
emaj-238	207	13	and	and	CCONJ
emaj-238	207	14	purchase	purchase	NOUN
emaj-238	207	15	intention	intention	NOUN
emaj-238	207	16	is	be	AUX
emaj-238	207	17	significant	significant	ADJ
emaj-238	207	18	(	(	PUNCT
emaj-238	207	19	b=0.332	b=0.332	NOUN
emaj-238	207	20	;	;	PUNCT
emaj-238	207	21	t=	t=	NOUN
emaj-238	207	22	5.430	5.430	NUM
emaj-238	207	23	;	;	PUNCT
emaj-238	207	24	p	p	X
emaj-238	207	25	=	=	NOUN
emaj-238	207	26	0.000	0.000	NUM
emaj-238	207	27	)	)	PUNCT
emaj-238	207	28	.	.	PUNCT
emaj-238	208	1	this	this	PRON
emaj-238	208	2	indicates	indicate	VERB
emaj-238	208	3	that	that	SCONJ
emaj-238	208	4	awareness	awareness	NOUN
emaj-238	208	5	has	have	VERB
emaj-238	208	6	a	a	DET
emaj-238	208	7	very	very	ADV
emaj-238	208	8	important	important	ADJ
emaj-238	208	9	role	role	NOUN
emaj-238	208	10	as	as	ADP
emaj-238	208	11	a	a	DET
emaj-238	208	12	partial	partial	ADJ
emaj-238	208	13	mediator	mediator	NOUN
emaj-238	208	14	in	in	ADP
emaj-238	208	15	the	the	DET
emaj-238	208	16	relationship	relationship	NOUN
emaj-238	208	17	between	between	ADP
emaj-238	208	18	attitudinal	attitudinal	ADJ
emaj-238	208	19	trends	trend	NOUN
emaj-238	208	20	with	with	ADP
emaj-238	208	21	purchase	purchase	NOUN
emaj-238	208	22	intention	intention	NOUN
emaj-238	208	23	and	and	CCONJ
emaj-238	208	24	becomes	become	VERB
emaj-238	208	25	an	an	DET
emaj-238	208	26	important	important	ADJ
emaj-238	208	27	alternative	alternative	NOUN
emaj-238	208	28	in	in	ADP
emaj-238	208	29	increasing	increase	VERB
emaj-238	208	30	purchase	purchase	NOUN
emaj-238	208	31	intention	intention	NOUN
emaj-238	208	32	.	.	PUNCT
emaj-238	209	1	equally	equally	ADV
emaj-238	209	2	,	,	PUNCT
emaj-238	209	3	regarding	regard	VERB
emaj-238	209	4	the	the	DET
emaj-238	209	5	test	test	NOUN
emaj-238	209	6	of	of	ADP
emaj-238	209	7	awareness	awareness	NOUN
emaj-238	209	8	relationship	relationship	NOUN
emaj-238	209	9	between	between	ADP
emaj-238	209	10	cultural	cultural	ADJ
emaj-238	209	11	trends	trend	NOUN
emaj-238	209	12	and	and	CCONJ
emaj-238	209	13	purchase	purchase	NOUN
emaj-238	209	14	intention	intention	NOUN
emaj-238	209	15	,	,	PUNCT
emaj-238	209	16	it	it	PRON
emaj-238	209	17	is	be	AUX
emaj-238	209	18	also	also	ADV
emaj-238	209	19	significant	significant	ADJ
emaj-238	209	20	(	(	PUNCT
emaj-238	209	21	b=0.146	b=0.146	NOUN
emaj-238	209	22	;	;	PUNCT
emaj-238	209	23	t=	t=	NUM
emaj-238	209	24	2.445	2.445	NUM
emaj-238	209	25	;	;	PUNCT
emaj-238	209	26	p	p	X
emaj-238	209	27	=	=	NOUN
emaj-238	209	28	0.015	0.015	NUM
emaj-238	209	29	)	)	PUNCT
emaj-238	209	30	.	.	PUNCT
emaj-238	210	1	this	this	PRON
emaj-238	210	2	indicates	indicate	VERB
emaj-238	210	3	that	that	SCONJ
emaj-238	210	4	awareness	awareness	NOUN
emaj-238	210	5	has	have	VERB
emaj-238	210	6	a	a	DET
emaj-238	210	7	very	very	ADV
emaj-238	210	8	important	important	ADJ
emaj-238	210	9	role	role	NOUN
emaj-238	210	10	as	as	ADP
emaj-238	210	11	a	a	DET
emaj-238	210	12	partial	partial	ADJ
emaj-238	210	13	mediator	mediator	NOUN
emaj-238	210	14	in	in	ADP
emaj-238	210	15	the	the	DET
emaj-238	210	16	relationship	relationship	NOUN
emaj-238	210	17	between	between	ADP
emaj-238	210	18	cultural	cultural	ADJ
emaj-238	210	19	trends	trend	NOUN
emaj-238	210	20	with	with	ADP
emaj-238	210	21	purchase	purchase	NOUN
emaj-238	210	22	intention	intention	NOUN
emaj-238	210	23	and	and	CCONJ
emaj-238	210	24	becomes	become	VERB
emaj-238	210	25	an	an	DET
emaj-238	210	26	important	important	ADJ
emaj-238	210	27	alternative	alternative	NOUN
emaj-238	210	28	in	in	ADP
emaj-238	210	29	increasing	increase	VERB
emaj-238	210	30	purchase	purchase	NOUN
emaj-238	210	31	intention	intention	NOUN
emaj-238	210	32	.	.	PUNCT
emaj-238	211	1	in	in	ADP
emaj-238	211	2	contrast	contrast	NOUN
emaj-238	211	3	to	to	ADP
emaj-238	211	4	the	the	DET
emaj-238	211	5	above	above	ADJ
emaj-238	211	6	test	test	NOUN
emaj-238	211	7	,	,	PUNCT
emaj-238	211	8	perception	perception	NOUN
emaj-238	211	9	does	do	AUX
emaj-238	211	10	not	not	PART
emaj-238	211	11	mediate	mediate	VERB
emaj-238	211	12	the	the	DET
emaj-238	211	13	relationship	relationship	NOUN
emaj-238	211	14	between	between	ADP
emaj-238	211	15	attitudinal	attitudinal	ADJ
emaj-238	211	16	trend	trend	NOUN
emaj-238	211	17	and	and	CCONJ
emaj-238	211	18	purchase	purchase	NOUN
emaj-238	211	19	intention	intention	NOUN
emaj-238	211	20	(	(	PUNCT
emaj-238	211	21	b=	b=	NOUN
emaj-238	211	22	0.001	0.001	NUM
emaj-238	211	23	;	;	PUNCT
emaj-238	211	24	t=0.268	t=0.268	NUM
emaj-238	211	25	;	;	PUNCT
emaj-238	211	26	p	p	NOUN
emaj-238	211	27	=	=	NOUN
emaj-238	211	28	0.789	0.789	NUM
emaj-238	211	29	)	)	PUNCT
emaj-238	211	30	.	.	PUNCT
emaj-238	212	1	this	this	PRON
emaj-238	212	2	indicates	indicate	VERB
emaj-238	212	3	that	that	SCONJ
emaj-238	212	4	perception	perception	NOUN
emaj-238	212	5	is	be	AUX
emaj-238	212	6	not	not	PART
emaj-238	212	7	a	a	DET
emaj-238	212	8	partial	partial	ADJ
emaj-238	212	9	mediator	mediator	NOUN
emaj-238	212	10	in	in	ADP
emaj-238	212	11	the	the	DET
emaj-238	212	12	relationship	relationship	NOUN
emaj-238	212	13	between	between	ADP
emaj-238	212	14	attitudinal	attitudinal	ADJ
emaj-238	212	15	trend	trend	NOUN
emaj-238	212	16	with	with	ADP
emaj-238	212	17	purchase	purchase	NOUN
emaj-238	212	18	intention	intention	NOUN
emaj-238	212	19	and	and	CCONJ
emaj-238	212	20	it	it	PRON
emaj-238	212	21	becomes	become	VERB
emaj-238	212	22	an	an	DET
emaj-238	212	23	important	important	ADJ
emaj-238	212	24	alternative	alternative	NOUN
emaj-238	212	25	in	in	ADP
emaj-238	212	26	increasing	increase	VERB
emaj-238	212	27	firm	firm	ADJ
emaj-238	212	28	performance	performance	NOUN
emaj-238	212	29	.	.	PUNCT
emaj-238	213	1	related	relate	VERB
emaj-238	213	2	to	to	ADP
emaj-238	213	3	the	the	DET
emaj-238	213	4	test	test	NOUN
emaj-238	213	5	of	of	ADP
emaj-238	213	6	perception	perception	NOUN
emaj-238	213	7	,	,	PUNCT
emaj-238	213	8	it	it	PRON
emaj-238	213	9	does	do	AUX
emaj-238	213	10	not	not	PART
emaj-238	213	11	mediate	mediate	VERB
emaj-238	213	12	the	the	DET
emaj-238	213	13	relationship	relationship	NOUN
emaj-238	213	14	between	between	ADP
emaj-238	213	15	cultural	cultural	ADJ
emaj-238	213	16	trends	trend	NOUN
emaj-238	213	17	and	and	CCONJ
emaj-238	213	18	purchase	purchase	NOUN
emaj-238	213	19	intention	intention	NOUN
emaj-238	213	20	(	(	PUNCT
emaj-238	213	21	b=	b=	NOUN
emaj-238	213	22	0.001	0.001	NUM
emaj-238	213	23	;	;	PUNCT
emaj-238	213	24	t=0.158	t=0.158	PROPN
emaj-238	213	25	;	;	PUNCT
emaj-238	213	26	p	p	X
emaj-238	213	27	=	=	NOUN
emaj-238	213	28	0.875	0.875	NUM
emaj-238	213	29	)	)	PUNCT
emaj-238	213	30	.	.	PUNCT
emaj-238	214	1	this	this	PRON
emaj-238	214	2	indicates	indicate	VERB
emaj-238	214	3	that	that	SCONJ
emaj-238	214	4	perception	perception	NOUN
emaj-238	214	5	is	be	AUX
emaj-238	214	6	not	not	PART
emaj-238	214	7	a	a	DET
emaj-238	214	8	partial	partial	ADJ
emaj-238	214	9	mediator	mediator	NOUN
emaj-238	214	10	in	in	ADP
emaj-238	214	11	the	the	DET
emaj-238	214	12	relationship	relationship	NOUN
emaj-238	214	13	between	between	ADP
emaj-238	214	14	cultural	cultural	ADJ
emaj-238	214	15	trends	trend	NOUN
emaj-238	214	16	with	with	ADP
emaj-238	214	17	purchase	purchase	NOUN
emaj-238	214	18	intention	intention	NOUN
emaj-238	214	19	and	and	CCONJ
emaj-238	214	20	becomes	become	VERB
emaj-238	214	21	an	an	DET
emaj-238	214	22	important	important	ADJ
emaj-238	214	23	alternative	alternative	NOUN
emaj-238	214	24	in	in	ADP
emaj-238	214	25	increasing	increase	VERB
emaj-238	214	26	firm	firm	ADJ
emaj-238	214	27	performance	performance	NOUN
emaj-238	214	28	.	.	PUNCT
emaj-238	215	1	iv	iv	X
emaj-238	215	2	.	.	PUNCT
emaj-238	215	3	discussion	discussion	NOUN
emaj-238	215	4	the	the	DET
emaj-238	215	5	current	current	ADJ
emaj-238	215	6	study	study	NOUN
emaj-238	215	7	sought	seek	VERB
emaj-238	215	8	to	to	PART
emaj-238	215	9	examine	examine	VERB
emaj-238	215	10	cultural	cultural	ADJ
emaj-238	215	11	and	and	CCONJ
emaj-238	215	12	attitudinal	attitudinal	ADJ
emaj-238	215	13	tenets	tenet	NOUN
emaj-238	215	14	of	of	ADP
emaj-238	215	15	ghanaians	ghanaians	PROPN
emaj-238	215	16	towards	towards	ADP
emaj-238	215	17	insurance	insurance	NOUN
emaj-238	215	18	service	service	NOUN
emaj-238	215	19	in	in	ADP
emaj-238	215	20	the	the	DET
emaj-238	215	21	kumasi	kumasi	NOUN
emaj-238	215	22	metropolis	metropolis	PROPN
emaj-238	215	23	.	.	PUNCT
emaj-238	216	1	while	while	SCONJ
emaj-238	216	2	most	most	ADJ
emaj-238	216	3	previous	previous	ADJ
emaj-238	216	4	research	research	NOUN
emaj-238	216	5	viewed	view	VERB
emaj-238	216	6	these	these	DET
emaj-238	216	7	constructs	construct	NOUN
emaj-238	216	8	as	as	ADP
emaj-238	216	9	single	single	ADJ
emaj-238	216	10	measures	measure	NOUN
emaj-238	216	11	,	,	PUNCT
emaj-238	216	12	this	this	DET
emaj-238	216	13	study	study	NOUN
emaj-238	216	14	contrasted	contrast	VERB
emaj-238	216	15	the	the	DET
emaj-238	216	16	two	two	NUM
emaj-238	216	17	extrinsic	extrinsic	ADJ
emaj-238	216	18	measures	measure	NOUN
emaj-238	216	19	and	and	CCONJ
emaj-238	216	20	customer	customer	NOUN
emaj-238	216	21	attitude	attitude	NOUN
emaj-238	216	22	and	and	CCONJ
emaj-238	216	23	perception	perception	NOUN
emaj-238	216	24	of	of	ADP
emaj-238	216	25	purchasing	purchase	VERB
emaj-238	216	26	intention	intention	NOUN
emaj-238	216	27	.	.	PUNCT
emaj-238	217	1	eight	eight	NUM
emaj-238	217	2	assumptions	assumption	NOUN
emaj-238	217	3	were	be	AUX
emaj-238	217	4	made	make	VERB
emaj-238	217	5	by	by	ADP
emaj-238	217	6	way	way	NOUN
emaj-238	217	7	of	of	ADP
emaj-238	217	8	hypotheses	hypothesis	NOUN
emaj-238	217	9	.	.	PUNCT
emaj-238	218	1	the	the	DET
emaj-238	218	2	findings	finding	NOUN
emaj-238	218	3	of	of	ADP
emaj-238	218	4	the	the	DET
emaj-238	218	5	study	study	NOUN
emaj-238	218	6	revealed	reveal	VERB
emaj-238	218	7	that	that	SCONJ
emaj-238	218	8	in	in	ADP
emaj-238	218	9	the	the	DET
emaj-238	218	10	comparison	comparison	NOUN
emaj-238	218	11	of	of	ADP
emaj-238	218	12	cultural	cultural	ADJ
emaj-238	218	13	and	and	CCONJ
emaj-238	218	14	attitudinal	attitudinal	ADJ
emaj-238	218	15	tenets	tenet	NOUN
emaj-238	218	16	of	of	ADP
emaj-238	218	17	ghanaians	ghanaians	PROPN
emaj-238	218	18	towards	towards	ADP
emaj-238	218	19	insurance	insurance	NOUN
emaj-238	218	20	service	service	NOUN
emaj-238	218	21	,	,	PUNCT
emaj-238	218	22	attitudinal	attitudinal	ADJ
emaj-238	218	23	tenets	tenet	NOUN
emaj-238	218	24	have	have	VERB
emaj-238	218	25	higher	high	ADJ
emaj-238	218	26	impact	impact	NOUN
emaj-238	218	27	on	on	ADP
emaj-238	218	28	awareness	awareness	NOUN
emaj-238	218	29	and	and	CCONJ
emaj-238	218	30	perception	perception	NOUN
emaj-238	218	31	.	.	PUNCT
emaj-238	219	1	the	the	DET
emaj-238	219	2	path	path	NOUN
emaj-238	219	3	coefficient	coefficient	NOUN
emaj-238	219	4	of	of	ADP
emaj-238	219	5	at	at	ADP
emaj-238	219	6	(	(	PUNCT
emaj-238	219	7	a=0.397	a=0.397	NOUN
emaj-238	219	8	,	,	PUNCT
emaj-238	219	9	p=0.168	p=0.168	NOUN
emaj-238	219	10	)	)	PUNCT
emaj-238	219	11	and	and	CCONJ
emaj-238	219	12	ct	ct	NUM
emaj-238	219	13	(	(	PUNCT
emaj-238	219	14	a=0.058	a=0.058	NOUN
emaj-238	219	15	,	,	PUNCT
emaj-238	219	16	p=0.058	p=0.058	NOUN
emaj-238	219	17	)	)	PUNCT
emaj-238	219	18	respectively	respectively	ADV
emaj-238	219	19	confirms	confirm	VERB
emaj-238	219	20	a	a	DET
emaj-238	219	21	strong	strong	ADJ
emaj-238	219	22	positive	positive	ADJ
emaj-238	219	23	consumer	consumer	NOUN
emaj-238	219	24	awareness	awareness	NOUN
emaj-238	219	25	and	and	CCONJ
emaj-238	219	26	perception	perception	NOUN
emaj-238	219	27	toward	toward	ADP
emaj-238	219	28	cultural	cultural	ADJ
emaj-238	219	29	and	and	CCONJ
emaj-238	219	30	attitudinal	attitudinal	ADJ
emaj-238	219	31	tenets	tenet	NOUN
emaj-238	219	32	of	of	ADP
emaj-238	219	33	ghanaians	ghanaians	PROPN
emaj-238	219	34	towards	towards	ADP
emaj-238	219	35	insurance	insurance	NOUN
emaj-238	219	36	service	service	NOUN
emaj-238	219	37	.	.	PUNCT
emaj-238	220	1	this	this	PRON
emaj-238	220	2	is	be	AUX
emaj-238	220	3	consistent	consistent	ADJ
emaj-238	220	4	with	with	ADP
emaj-238	220	5	the	the	DET
emaj-238	220	6	empirical	empirical	ADJ
emaj-238	220	7	results	result	NOUN
emaj-238	220	8	of	of	ADP
emaj-238	220	9	other	other	ADJ
emaj-238	220	10	researchers	researcher	NOUN
emaj-238	220	11	such	such	ADJ
emaj-238	220	12	as	as	ADP
emaj-238	220	13	ayuba	ayuba	PROPN
emaj-238	220	14	et	et	PROPN
emaj-238	220	15	al	al	PROPN
emaj-238	220	16	.	.	PROPN
emaj-238	221	1	(	(	PUNCT
emaj-238	221	2	2014	2014	NUM
emaj-238	221	3	)	)	PUNCT
emaj-238	221	4	,	,	PUNCT
emaj-238	221	5	who	who	PRON
emaj-238	221	6	discovered	discover	VERB
emaj-238	221	7	the	the	DET
emaj-238	221	8	non	non	ADJ
emaj-238	221	9	-	-	ADJ
emaj-238	221	10	economic	economic	ADJ
emaj-238	221	11	factors	factor	NOUN
emaj-238	221	12	that	that	PRON
emaj-238	221	13	determine	determine	VERB
emaj-238	221	14	takaful	takaful	ADJ
emaj-238	221	15	consumption	consumption	NOUN
emaj-238	221	16	in	in	ADP
emaj-238	221	17	the	the	DET
emaj-238	221	18	kano	kano	PROPN
emaj-238	221	19	metropolitan	metropolitan	PROPN
emaj-238	221	20	area	area	NOUN
emaj-238	221	21	.	.	PUNCT
emaj-238	222	1	this	this	DET
emaj-238	222	2	study	study	NOUN
emaj-238	222	3	measured	measure	VERB
emaj-238	222	4	the	the	DET
emaj-238	222	5	impact	impact	NOUN
emaj-238	222	6	of	of	ADP
emaj-238	222	7	public	public	ADJ
emaj-238	222	8	awareness	awareness	NOUN
emaj-238	222	9	,	,	PUNCT
emaj-238	222	10	public	public	ADJ
emaj-238	222	11	perception	perception	NOUN
emaj-238	222	12	,	,	PUNCT
emaj-238	222	13	and	and	CCONJ
emaj-238	222	14	public	public	ADJ
emaj-238	222	15	trust	trust	NOUN
emaj-238	222	16	and	and	CCONJ
emaj-238	222	17	confidence	confidence	NOUN
emaj-238	222	18	in	in	ADP
emaj-238	222	19	takaful	takaful	ADJ
emaj-238	222	20	operators	operator	NOUN
emaj-238	222	21	on	on	ADP
emaj-238	222	22	public	public	ADJ
emaj-238	222	23	attitudes	attitude	NOUN
emaj-238	222	24	towards	towards	ADP
emaj-238	222	25	takaful	takaful	ADJ
emaj-238	222	26	patrons	patron	NOUN
emaj-238	222	27	in	in	ADP
emaj-238	222	28	kano	kano	PROPN
emaj-238	222	29	city	city	PROPN
emaj-238	222	30	.	.	PUNCT
emaj-238	223	1	according	accord	VERB
emaj-238	223	2	to	to	ADP
emaj-238	223	3	some	some	DET
emaj-238	223	4	research	research	NOUN
emaj-238	223	5	(	(	PUNCT
emaj-238	223	6	taylor	taylor	PROPN
emaj-238	223	7	,	,	PUNCT
emaj-238	223	8	2010	2010	NUM
emaj-238	223	9	;	;	PUNCT
emaj-238	223	10	rahman	rahman	PROPN
emaj-238	223	11	et	et	PROPN
emaj-238	223	12	al	al	PROPN
emaj-238	223	13	,	,	PUNCT
emaj-238	223	14	2009	2009	NUM
emaj-238	223	15	;	;	PUNCT
emaj-238	223	16	and	and	CCONJ
emaj-238	223	17	ayuba	ayuba	PROPN
emaj-238	223	18	,	,	PUNCT
emaj-238	223	19	2014	2014	NUM
emaj-238	223	20	)	)	PUNCT
emaj-238	223	21	,	,	PUNCT
emaj-238	223	22	muslims	muslims	PROPN
emaj-238	223	23	’	'	PUNCT
emaj-238	223	24	understanding	understanding	NOUN
emaj-238	223	25	of	of	ADP
emaj-238	223	26	takaful	takaful	ADJ
emaj-238	223	27	services	service	NOUN
emaj-238	223	28	is	be	AUX
emaj-238	223	29	very	very	ADV
emaj-238	223	30	important	important	ADJ
emaj-238	223	31	at	at	ADP
emaj-238	223	32	both	both	CCONJ
emaj-238	223	33	the	the	DET
emaj-238	223	34	individual	individual	ADJ
emaj-238	223	35	and	and	CCONJ
emaj-238	223	36	corporate	corporate	ADJ
emaj-238	223	37	levels	level	NOUN
emaj-238	223	38	.	.	PUNCT
emaj-238	224	1	amaefula	amaefula	PROPN
emaj-238	224	2	,	,	PUNCT
emaj-238	224	3	okezie	okezie	NOUN
emaj-238	224	4	,	,	PUNCT
emaj-238	224	5	and	and	CCONJ
emaj-238	224	6	mejeha	mejeha	NOUN
emaj-238	224	7	(	(	PUNCT
emaj-238	224	8	2012	2012	NUM
emaj-238	224	9	)	)	PUNCT
emaj-238	224	10	pointed	point	VERB
emaj-238	224	11	out	out	ADP
emaj-238	224	12	that	that	SCONJ
emaj-238	224	13	although	although	SCONJ
emaj-238	224	14	farmers	farmer	NOUN
emaj-238	224	15	in	in	ADP
emaj-238	224	16	southern	southern	ADJ
emaj-238	224	17	nigeria	nigeria	PROPN
emaj-238	224	18	are	be	AUX
emaj-238	224	19	aware	aware	ADJ
emaj-238	224	20	of	of	ADP
emaj-238	224	21	agricultural	agricultural	ADJ
emaj-238	224	22	insurance	insurance	NOUN
emaj-238	224	23	services	service	NOUN
emaj-238	224	24	,	,	PUNCT
emaj-238	224	25	they	they	PRON
emaj-238	224	26	have	have	VERB
emaj-238	224	27	a	a	DET
emaj-238	224	28	negative	negative	ADJ
emaj-238	224	29	attitude	attitude	NOUN
emaj-238	224	30	towards	towards	ADP
emaj-238	224	31	agricultural	agricultural	ADJ
emaj-238	224	32	insurance	insurance	NOUN
emaj-238	224	33	services	service	NOUN
emaj-238	224	34	because	because	SCONJ
emaj-238	224	35	they	they	PRON
emaj-238	224	36	consider	consider	VERB
emaj-238	224	37	insurancerelated	insurancerelated	ADJ
emaj-238	224	38	or	or	CCONJ
emaj-238	224	39	non	non	ADJ
emaj-238	224	40	-	-	ADJ
emaj-238	224	41	insurance	insurance	NOUN
emaj-238	224	42	-	-	PUNCT
emaj-238	224	43	related	relate	VERB
emaj-238	224	44	gains	gain	NOUN
emaj-238	224	45	or	or	CCONJ
emaj-238	224	46	losses	loss	NOUN
emaj-238	224	47	.	.	PUNCT
emaj-238	225	1	olugbenga	olugbenga	NOUN
emaj-238	225	2	-	-	PUNCT
emaj-238	225	3	bello	bello	NOUN
emaj-238	225	4	and	and	CCONJ
emaj-238	225	5	adebimpe	adebimpe	NOUN
emaj-238	225	6	(	(	PUNCT
emaj-238	225	7	2010	2010	NUM
emaj-238	225	8	)	)	PUNCT
emaj-238	225	9	found	find	VERB
emaj-238	225	10	that	that	SCONJ
emaj-238	225	11	insurance	insurance	NOUN
emaj-238	225	12	awareness	awareness	NOUN
emaj-238	225	13	is	be	AUX
emaj-238	225	14	high	high	ADJ
emaj-238	225	15	in	in	ADP
emaj-238	225	16	southwestern	southwestern	ADJ
emaj-238	225	17	nigeria	nigeria	PROPN
emaj-238	225	18	,	,	PUNCT
emaj-238	225	19	but	but	CCONJ
emaj-238	225	20	less	less	ADJ
emaj-238	225	21	knowledge	knowledge	NOUN
emaj-238	225	22	exists	exist	VERB
emaj-238	225	23	about	about	ADP
emaj-238	225	24	how	how	SCONJ
emaj-238	225	25	to	to	PART
emaj-238	225	26	use	use	VERB
emaj-238	225	27	insurance	insurance	NOUN
emaj-238	225	28	plans	plan	NOUN
emaj-238	225	29	correctly	correctly	ADV
emaj-238	225	30	.	.	PUNCT
emaj-238	226	1	ojatta	ojatta	NOUN
emaj-238	226	2	(	(	PUNCT
emaj-238	226	3	2016	2016	NUM
emaj-238	226	4	)	)	PUNCT
emaj-238	226	5	found	find	VERB
emaj-238	226	6	that	that	SCONJ
emaj-238	226	7	kogi	kogi	PROPN
emaj-238	226	8	has	have	VERB
emaj-238	226	9	a	a	DET
emaj-238	226	10	low	low	ADJ
emaj-238	226	11	level	level	NOUN
emaj-238	226	12	of	of	ADP
emaj-238	226	13	insurance	insurance	NOUN
emaj-238	226	14	awareness	awareness	NOUN
emaj-238	226	15	and	and	CCONJ
emaj-238	226	16	awareness	awareness	NOUN
emaj-238	226	17	in	in	ADP
emaj-238	226	18	nigeria	nigeria	PROPN
emaj-238	226	19	.	.	PUNCT
emaj-238	227	1	therefore	therefore	ADV
emaj-238	227	2	,	,	PUNCT
emaj-238	227	3	customers	customer	NOUN
emaj-238	227	4	’	'	PUNCT
emaj-238	227	5	knowledge	knowledge	NOUN
emaj-238	227	6	of	of	ADP
emaj-238	227	7	a	a	DET
emaj-238	227	8	certain	certain	ADJ
emaj-238	227	9	product	product	NOUN
emaj-238	227	10	or	or	CCONJ
emaj-238	227	11	service	service	NOUN
emaj-238	227	12	is	be	AUX
emaj-238	227	13	considered	consider	VERB
emaj-238	227	14	to	to	PART
emaj-238	227	15	play	play	VERB
emaj-238	227	16	a	a	DET
emaj-238	227	17	key	key	ADJ
emaj-238	227	18	role	role	NOUN
emaj-238	227	19	in	in	ADP
emaj-238	227	20	determining	determine	VERB
emaj-238	227	21	whether	whether	SCONJ
emaj-238	227	22	they	they	PRON
emaj-238	227	23	like	like	VERB
emaj-238	227	24	or	or	CCONJ
emaj-238	227	25	dislike	dislike	VERB
emaj-238	227	26	a	a	DET
emaj-238	227	27	certain	certain	ADJ
emaj-238	227	28	service	service	NOUN
emaj-238	227	29	or	or	CCONJ
emaj-238	227	30	product	product	NOUN
emaj-238	227	31	.	.	PUNCT
emaj-238	228	1	secondly	secondly	ADV
emaj-238	228	2	,	,	PUNCT
emaj-238	228	3	cultural	cultural	ADJ
emaj-238	228	4	and	and	CCONJ
emaj-238	228	5	attitudinal	attitudinal	ADJ
emaj-238	228	6	tenets	tenet	NOUN
emaj-238	228	7	were	be	AUX
emaj-238	228	8	both	both	PRON
emaj-238	228	9	examined	examine	VERB
emaj-238	228	10	on	on	ADP
emaj-238	228	11	purchase	purchase	NOUN
emaj-238	228	12	intention	intention	NOUN
emaj-238	228	13	to	to	PART
emaj-238	228	14	verify	verify	VERB
emaj-238	228	15	their	their	PRON
emaj-238	228	16	significant	significant	ADJ
emaj-238	228	17	positive	positive	ADJ
emaj-238	228	18	relationships	relationship	NOUN
emaj-238	228	19	.	.	PUNCT
emaj-238	229	1	their	their	PRON
emaj-238	229	2	path	path	NOUN
emaj-238	229	3	coefficients	coefficient	NOUN
emaj-238	229	4	were	be	AUX
emaj-238	229	5	0.016	0.016	NUM
emaj-238	229	6	and	and	CCONJ
emaj-238	229	7	0.078	0.078	NUM
emaj-238	229	8	respectively	respectively	ADV
emaj-238	229	9	.	.	PUNCT
emaj-238	230	1	the	the	DET
emaj-238	230	2	predictions	prediction	NOUN
emaj-238	230	3	for	for	ADP
emaj-238	230	4	cultural	cultural	ADJ
emaj-238	230	5	and	and	CCONJ
emaj-238	230	6	attitudinal	attitudinal	ADJ
emaj-238	230	7	tenets	tenet	NOUN
emaj-238	230	8	had	have	VERB
emaj-238	230	9	a	a	DET
emaj-238	230	10	greater	great	ADJ
emaj-238	230	11	effect	effect	NOUN
emaj-238	230	12	and	and	CCONJ
emaj-238	230	13	was	be	AUX
emaj-238	230	14	supported	support	VERB
emaj-238	230	15	.	.	PUNCT
emaj-238	231	1	this	this	PRON
emaj-238	231	2	clearly	clearly	ADV
emaj-238	231	3	shows	show	VERB
emaj-238	231	4	that	that	SCONJ
emaj-238	231	5	consumers	consumer	NOUN
emaj-238	231	6	’	'	PUNCT
emaj-238	231	7	purchase	purchase	NOUN
emaj-238	231	8	intentions	intention	NOUN
emaj-238	231	9	and	and	CCONJ
emaj-238	231	10	decisions	decision	NOUN
emaj-238	231	11	depend	depend	VERB
emaj-238	231	12	to	to	ADP
emaj-238	231	13	a	a	DET
emaj-238	231	14	large	large	ADJ
emaj-238	231	15	extent	extent	NOUN
emaj-238	231	16	on	on	ADP
emaj-238	231	17	the	the	DET
emaj-238	231	18	culture	culture	NOUN
emaj-238	231	19	and	and	CCONJ
emaj-238	231	20	attitude	attitude	NOUN
emaj-238	231	21	principles	principle	NOUN
emaj-238	231	22	of	of	ADP
emaj-238	231	23	their	their	PRON
emaj-238	231	24	insurance	insurance	NOUN
emaj-238	231	25	services	service	NOUN
emaj-238	231	26	,	,	PUNCT
emaj-238	231	27	and	and	CCONJ
emaj-238	231	28	the	the	DET
emaj-238	231	29	influence	influence	NOUN
emaj-238	231	30	of	of	ADP
emaj-238	231	31	attitude	attitude	NOUN
emaj-238	231	32	principles	principle	NOUN
emaj-238	231	33	is	be	AUX
emaj-238	231	34	greater	great	ADJ
emaj-238	231	35	.	.	PUNCT
emaj-238	232	1	this	this	PRON
emaj-238	232	2	is	be	AUX
emaj-238	232	3	consistent	consistent	ADJ
emaj-238	232	4	with	with	ADP
emaj-238	232	5	the	the	DET
emaj-238	232	6	results	result	NOUN
emaj-238	232	7	of	of	ADP
emaj-238	232	8	other	other	ADJ
emaj-238	232	9	studies	study	NOUN
emaj-238	232	10	by	by	ADP
emaj-238	232	11	omar	omar	PROPN
emaj-238	232	12	and	and	CCONJ
emaj-238	232	13	owusu	owusu	PROPN
emaj-238	232	14	-	-	PROPN
emaj-238	232	15	frimpong	frimpong	PROPN
emaj-238	232	16	(	(	PUNCT
emaj-238	232	17	2007	2007	NUM
emaj-238	232	18	)	)	PUNCT
emaj-238	232	19	,	,	PUNCT
emaj-238	232	20	olola	olola	PROPN
emaj-238	232	21	et	et	PROPN
emaj-238	232	22	.	.	PUNCT
emaj-238	233	1	al	al	PROPN
emaj-238	233	2	.	.	PROPN
emaj-238	234	1	(	(	PUNCT
emaj-238	234	2	2010	2010	NUM
emaj-238	234	3	)	)	PUNCT
emaj-238	235	1	and	and	CCONJ
emaj-238	235	2	abbring	abbre	VERB
emaj-238	235	3	et	et	PROPN
emaj-238	235	4	al	al	PROPN
emaj-238	235	5	.	.	PUNCT
emaj-238	236	1	(	(	PUNCT
emaj-238	236	2	2003	2003	NUM
emaj-238	236	3	)	)	PUNCT
emaj-238	236	4	,	,	PUNCT
emaj-238	236	5	who	who	PRON
emaj-238	236	6	found	find	VERB
emaj-238	236	7	that	that	SCONJ
emaj-238	236	8	perception	perception	NOUN
emaj-238	236	9	of	of	ADP
emaj-238	236	10	future	future	ADJ
emaj-238	236	11	risks	risk	NOUN
emaj-238	236	12	has	have	VERB
emaj-238	236	13	a	a	DET
emaj-238	236	14	significant	significant	ADJ
emaj-238	236	15	impact	impact	NOUN
emaj-238	236	16	on	on	ADP
emaj-238	236	17	the	the	DET
emaj-238	236	18	desire	desire	NOUN
emaj-238	236	19	to	to	PART
emaj-238	236	20	purchase	purchase	VERB
emaj-238	236	21	health	health	NOUN
emaj-238	236	22	insurance	insurance	NOUN
emaj-238	236	23	through	through	ADP
emaj-238	236	24	attitude	attitude	NOUN
emaj-238	236	25	behavior	behavior	NOUN
emaj-238	236	26	.	.	PUNCT
emaj-238	237	1	individuals	individual	NOUN
emaj-238	237	2	buy	buy	VERB
emaj-238	237	3	health	health	NOUN
emaj-238	237	4	insurance	insurance	NOUN
emaj-238	237	5	because	because	SCONJ
emaj-238	237	6	they	they	PRON
emaj-238	237	7	worry	worry	VERB
emaj-238	237	8	about	about	ADP
emaj-238	237	9	their	their	PRON
emaj-238	237	10	future	future	ADJ
emaj-238	237	11	health	health	NOUN
emaj-238	237	12	.	.	PUNCT
emaj-238	238	1	other	other	ADJ
emaj-238	238	2	factors	factor	NOUN
emaj-238	238	3	,	,	PUNCT
emaj-238	238	4	such	such	ADJ
emaj-238	238	5	as	as	ADP
emaj-238	238	6	concerns	concern	NOUN
emaj-238	238	7	about	about	ADP
emaj-238	238	8	future	future	ADJ
emaj-238	238	9	health	health	NOUN
emaj-238	238	10	care	care	NOUN
emaj-238	238	11	costs	cost	NOUN
emaj-238	238	12	and	and	CCONJ
emaj-238	238	13	their	their	PRON
emaj-238	238	14	own	own	ADJ
emaj-238	238	15	health	health	NOUN
emaj-238	238	16	,	,	PUNCT
emaj-238	238	17	prompt	prompt	ADJ
emaj-238	238	18	people	people	NOUN
emaj-238	238	19	to	to	PART
emaj-238	238	20	buy	buy	VERB
emaj-238	238	21	health	health	NOUN
emaj-238	238	22	insurance	insurance	NOUN
emaj-238	238	23	.	.	PUNCT
emaj-238	239	1	this	this	PRON
emaj-238	239	2	is	be	AUX
emaj-238	239	3	consistent	consistent	ADJ
emaj-238	239	4	with	with	ADP
emaj-238	239	5	the	the	DET
emaj-238	239	6	previous	previous	ADJ
emaj-238	239	7	studies	study	NOUN
emaj-238	239	8	of	of	ADP
emaj-238	239	9	laroche	laroche	PROPN
emaj-238	239	10	et	et	PROPN
emaj-238	239	11	al	al	PROPN
emaj-238	239	12	.	.	PROPN
emaj-238	240	1	(	(	PUNCT
emaj-238	240	2	2004	2004	NUM
emaj-238	240	3	)	)	PUNCT
emaj-238	240	4	and	and	CCONJ
emaj-238	240	5	outreville	outreville	NOUN
emaj-238	240	6	(	(	PUNCT
emaj-238	240	7	2018	2018	NUM
emaj-238	240	8	)	)	PUNCT
emaj-238	240	9	.	.	PUNCT
emaj-238	241	1	finally	finally	ADV
emaj-238	241	2	,	,	PUNCT
emaj-238	241	3	awareness	awareness	NOUN
emaj-238	241	4	and	and	CCONJ
emaj-238	241	5	perception	perception	NOUN
emaj-238	241	6	were	be	AUX
emaj-238	241	7	both	both	PRON
emaj-238	241	8	examined	examine	VERB
emaj-238	241	9	on	on	ADP
emaj-238	241	10	purchase	purchase	NOUN
emaj-238	241	11	intention	intention	NOUN
emaj-238	241	12	to	to	PART
emaj-238	241	13	verify	verify	VERB
emaj-238	241	14	their	their	PRON
emaj-238	241	15	significant	significant	ADJ
emaj-238	241	16	positive	positive	ADJ
emaj-238	241	17	relationship	relationship	NOUN
emaj-238	241	18	.	.	PUNCT
emaj-238	242	1	their	their	PRON
emaj-238	242	2	path	path	NOUN
emaj-238	242	3	coefficient	coefficient	NOUN
emaj-238	242	4	was	be	AUX
emaj-238	242	5	0.835	0.835	NUM
emaj-238	242	6	and	and	CCONJ
emaj-238	242	7	0.009	0.009	NUM
emaj-238	242	8	respectively	respectively	ADV
emaj-238	242	9	,	,	PUNCT
emaj-238	242	10	confirming	confirm	VERB
emaj-238	242	11	a	a	DET
emaj-238	242	12	strong	strong	ADJ
emaj-238	242	13	positive	positive	ADJ
emaj-238	242	14	consumer	consumer	NOUN
emaj-238	242	15	awareness	awareness	NOUN
emaj-238	242	16	and	and	CCONJ
emaj-238	242	17	perception	perception	NOUN
emaj-238	242	18	on	on	ADP
emaj-238	242	19	purchase	purchase	NOUN
emaj-238	242	20	intention	intention	NOUN
emaj-238	242	21	.	.	PUNCT
emaj-238	243	1	awareness	awareness	NOUN
emaj-238	243	2	has	have	VERB
emaj-238	243	3	a	a	DET
emaj-238	243	4	higher	high	ADJ
emaj-238	243	5	impact	impact	NOUN
emaj-238	243	6	on	on	ADP
emaj-238	243	7	purchase	purchase	NOUN
emaj-238	243	8	intention	intention	NOUN
emaj-238	243	9	.	.	PUNCT
emaj-238	244	1	this	this	PRON
emaj-238	244	2	is	be	AUX
emaj-238	244	3	consistent	consistent	ADJ
emaj-238	244	4	with	with	ADP
emaj-238	244	5	the	the	DET
emaj-238	244	6	results	result	NOUN
emaj-238	244	7	of	of	ADP
emaj-238	244	8	other	other	ADJ
emaj-238	244	9	empirical	empirical	ADJ
emaj-238	244	10	studies	study	NOUN
emaj-238	244	11	,	,	PUNCT
emaj-238	244	12	such	such	ADJ
emaj-238	244	13	as	as	ADP
emaj-238	244	14	bello	bello	PROPN
emaj-238	244	15	and	and	CCONJ
emaj-238	244	16	ayuba	ayuba	PROPN
emaj-238	244	17	(	(	PUNCT
emaj-238	244	18	2014	2014	NUM
emaj-238	244	19	)	)	PUNCT
emaj-238	244	20	,	,	PUNCT
emaj-238	244	21	who	who	PRON
emaj-238	244	22	found	find	VERB
emaj-238	244	23	that	that	SCONJ
emaj-238	244	24	consumer	consumer	NOUN
emaj-238	244	25	perception	perception	NOUN
emaj-238	244	26	is	be	AUX
emaj-238	244	27	a	a	DET
emaj-238	244	28	function	function	NOUN
emaj-238	244	29	and	and	CCONJ
emaj-238	244	30	reflection	reflection	NOUN
emaj-238	244	31	of	of	ADP
emaj-238	244	32	the	the	DET
emaj-238	244	33	product	product	NOUN
emaj-238	244	34	awareness	awareness	NOUN
emaj-238	244	35	,	,	PUNCT
emaj-238	244	36	and	and	CCONJ
emaj-238	244	37	therefore	therefore	ADV
emaj-238	244	38	the	the	DET
emaj-238	244	39	level	level	NOUN
emaj-238	244	40	of	of	ADP
emaj-238	244	41	trust	trust	NOUN
emaj-238	244	42	the	the	DET
emaj-238	244	43	purchaser	purchaser	NOUN
emaj-238	244	44	has	have	VERB
emaj-238	244	45	in	in	ADP
emaj-238	244	46	the	the	DET
emaj-238	244	47	service	service	NOUN
emaj-238	244	48	provider	provider	NOUN
emaj-238	244	49	is	be	AUX
emaj-238	244	50	important	important	ADJ
emaj-238	244	51	.	.	PUNCT
emaj-238	245	1	this	this	PRON
emaj-238	245	2	describes	describe	VERB
emaj-238	245	3	marketers	marketer	NOUN
emaj-238	245	4	’	’	PART
emaj-238	245	5	attitudes	attitude	NOUN
emaj-238	245	6	towards	towards	ADP
emaj-238	245	7	the	the	DET
emaj-238	245	8	importance	importance	NOUN
emaj-238	245	9	of	of	ADP
emaj-238	245	10	consumer	consumer	NOUN
emaj-238	245	11	product	product	NOUN
emaj-238	245	12	/	/	SYM
emaj-238	245	13	service	service	NOUN
emaj-238	245	14	decision	decision	NOUN
emaj-238	245	15	-	-	PUNCT
emaj-238	245	16	making	make	VERB
emaj-238	245	17	processes	process	NOUN
emaj-238	245	18	.	.	PUNCT
emaj-238	246	1	according	accord	VERB
emaj-238	246	2	to	to	ADP
emaj-238	246	3	marketers	marketer	NOUN
emaj-238	246	4	,	,	PUNCT
emaj-238	246	5	perception	perception	NOUN
emaj-238	246	6	allows	allow	VERB
emaj-238	246	7	consumers	consumer	NOUN
emaj-238	246	8	to	to	PART
emaj-238	246	9	select	select	VERB
emaj-238	246	10	,	,	PUNCT
emaj-238	246	11	organize	organize	VERB
emaj-238	246	12	,	,	PUNCT
emaj-238	246	13	and	and	CCONJ
emaj-238	246	14	evaluate	evaluate	VERB
emaj-238	246	15	knowledge	knowledge	NOUN
emaj-238	246	16	input	input	NOUN
emaj-238	246	17	to	to	PART
emaj-238	246	18	create	create	VERB
emaj-238	246	19	a	a	DET
emaj-238	246	20	meaningful	meaningful	ADJ
emaj-238	246	21	picture	picture	NOUN
emaj-238	246	22	of	of	ADP
emaj-238	246	23	the	the	DET
emaj-238	246	24	world	world	NOUN
emaj-238	246	25	.	.	PUNCT
emaj-238	247	1	what	what	PRON
emaj-238	247	2	people	people	NOUN
emaj-238	247	3	see	see	VERB
emaj-238	247	4	is	be	AUX
emaj-238	247	5	subjective	subjective	ADJ
emaj-238	247	6	and	and	CCONJ
emaj-238	247	7	may	may	AUX
emaj-238	247	8	be	be	AUX
emaj-238	247	9	very	very	ADV
emaj-238	247	10	different	different	ADJ
emaj-238	247	11	from	from	ADP
emaj-238	247	12	objective	objective	ADJ
emaj-238	247	13	reality	reality	NOUN
emaj-238	247	14	.	.	PUNCT
emaj-238	248	1	people	people	NOUN
emaj-238	248	2	's	's	PART
emaj-238	248	3	selective	selective	ADJ
emaj-238	248	4	attention	attention	NOUN
emaj-238	248	5	(	(	PUNCT
emaj-238	248	6	choosing	choose	VERB
emaj-238	248	7	what	what	PRON
emaj-238	248	8	is	be	AUX
emaj-238	248	9	needed	need	VERB
emaj-238	248	10	)	)	PUNCT
emaj-238	248	11	,	,	PUNCT
emaj-238	248	12	selective	selective	ADJ
emaj-238	248	13	distortion	distortion	NOUN
emaj-238	248	14	(	(	PUNCT
emaj-238	248	15	preventing	prevent	VERB
emaj-238	248	16	unwanted	unwanted	ADJ
emaj-238	248	17	stimuli	stimulus	NOUN
emaj-238	248	18	)	)	PUNCT
emaj-238	248	19	,	,	PUNCT
emaj-238	248	20	and	and	CCONJ
emaj-238	248	21	selective	selective	ADJ
emaj-238	248	22	recall	recall	NOUN
emaj-238	248	23	are	be	AUX
emaj-238	248	24	usually	usually	ADV
emaj-238	248	25	the	the	DET
emaj-238	248	26	culprits	culprit	NOUN
emaj-238	248	27	for	for	ADP
emaj-238	248	28	this	this	DET
emaj-238	248	29	situation	situation	NOUN
emaj-238	248	30	(	(	PUNCT
emaj-238	248	31	retaining	retain	VERB
emaj-238	248	32	the	the	DET
emaj-238	248	33	stimuli	stimulus	NOUN
emaj-238	248	34	needed	need	VERB
emaj-238	248	35	)	)	PUNCT
emaj-238	248	36	.	.	PUNCT
emaj-238	249	1	therefore	therefore	ADV
emaj-238	249	2	,	,	PUNCT
emaj-238	249	3	there	there	PRON
emaj-238	249	4	are	be	VERB
emaj-238	249	5	many	many	ADJ
emaj-238	249	6	factors	factor	NOUN
emaj-238	249	7	that	that	PRON
emaj-238	249	8	affect	affect	VERB
emaj-238	249	9	people	people	NOUN
emaj-238	249	10	’s	’s	PART
emaj-238	249	11	perception	perception	NOUN
emaj-238	249	12	,	,	PUNCT
emaj-238	249	13	including	include	VERB
emaj-238	249	14	the	the	DET
emaj-238	249	15	perceiver	perceiver	NOUN
emaj-238	249	16	’s	’s	PART
emaj-238	249	17	attitude	attitude	NOUN
emaj-238	249	18	,	,	PUNCT
emaj-238	249	19	motivation	motivation	NOUN
emaj-238	249	20	,	,	PUNCT
emaj-238	249	21	interest	interest	NOUN
emaj-238	249	22	,	,	PUNCT
emaj-238	249	23	experience	experience	NOUN
emaj-238	249	24	and	and	CCONJ
emaj-238	249	25	expectations	expectation	NOUN
emaj-238	249	26	,	,	PUNCT
emaj-238	249	27	the	the	DET
emaj-238	249	28	novelty	novelty	NOUN
emaj-238	249	29	,	,	PUNCT
emaj-238	249	30	movement	movement	NOUN
emaj-238	249	31	,	,	PUNCT
emaj-238	249	32	sound	sound	NOUN
emaj-238	249	33	,	,	PUNCT
emaj-238	249	34	size	size	NOUN
emaj-238	249	35	,	,	PUNCT
emaj-238	249	36	background	background	NOUN
emaj-238	249	37	,	,	PUNCT
emaj-238	249	38	proximity	proximity	NOUN
emaj-238	249	39	and	and	CCONJ
emaj-238	249	40	similarity	similarity	NOUN
emaj-238	249	41	of	of	ADP
emaj-238	249	42	the	the	DET
emaj-238	249	43	target	target	NOUN
emaj-238	249	44	object	object	NOUN
emaj-238	249	45	,	,	PUNCT
emaj-238	249	46	and	and	CCONJ
emaj-238	249	47	context	context	NOUN
emaj-238	249	48	(	(	PUNCT
emaj-238	249	49	time	time	NOUN
emaj-238	249	50	,	,	PUNCT
emaj-238	249	51	working	working	NOUN
emaj-238	249	52	environment	environment	NOUN
emaj-238	249	53	,	,	PUNCT
emaj-238	249	54	social	social	ADJ
emaj-238	249	55	environment	environment	NOUN
emaj-238	249	56	,	,	PUNCT
emaj-238	249	57	etc	etc	X
emaj-238	249	58	.	.	X
emaj-238	249	59	)	)	PUNCT
emaj-238	250	1	(	(	PUNCT
emaj-238	250	2	makanyeza	makanyeza	ADV
emaj-238	250	3	,	,	PUNCT
emaj-238	250	4	2014	2014	NUM
emaj-238	250	5	;	;	PUNCT
emaj-238	250	6	kotler	kotler	PROPN
emaj-238	250	7	and	and	CCONJ
emaj-238	250	8	keller	keller	PROPN
emaj-238	250	9	,	,	PUNCT
emaj-238	250	10	2005	2005	NUM
emaj-238	250	11	;	;	PUNCT
emaj-238	250	12	robbins	robbin	NOUN
emaj-238	250	13	and	and	CCONJ
emaj-238	250	14	judge	judge	NOUN
emaj-238	250	15	,	,	PUNCT
emaj-238	250	16	2007	2007	NUM
emaj-238	250	17	;	;	PUNCT
emaj-238	250	18	akpa	akpa	ADJ
emaj-238	250	19	,	,	PUNCT
emaj-238	250	20	2013	2013	NUM
emaj-238	250	21	;	;	PUNCT
emaj-238	250	22	teas	tea	NOUN
emaj-238	250	23	,	,	PUNCT
emaj-238	250	24	1993	1993	NUM
emaj-238	250	25	)	)	PUNCT
emaj-238	250	26	.	.	PUNCT
emaj-238	251	1	also	also	ADV
emaj-238	251	2	,	,	PUNCT
emaj-238	251	3	the	the	DET
emaj-238	251	4	principles	principle	NOUN
emaj-238	251	5	of	of	ADP
emaj-238	251	6	culture	culture	NOUN
emaj-238	251	7	and	and	CCONJ
emaj-238	251	8	attitude	attitude	NOUN
emaj-238	251	9	have	have	VERB
emaj-238	251	10	a	a	DET
emaj-238	251	11	greater	great	ADJ
emaj-238	251	12	impact	impact	NOUN
emaj-238	251	13	on	on	ADP
emaj-238	251	14	awareness	awareness	NOUN
emaj-238	251	15	,	,	PUNCT
emaj-238	251	16	perception	perception	NOUN
emaj-238	251	17	,	,	PUNCT
emaj-238	251	18	and	and	CCONJ
emaj-238	251	19	purchase	purchase	NOUN
emaj-238	251	20	intentions	intention	NOUN
emaj-238	251	21	.	.	PUNCT
emaj-238	252	1	volume	volume	NOUN
emaj-238	252	2	12	12	NUM
emaj-238	252	3	no	no	DET
emaj-238	252	4	1	1	NUM
emaj-238	252	5	(	(	PUNCT
emaj-238	252	6	2022	2022	NUM
emaj-238	252	7	)	)	PUNCT
emaj-238	252	8	|	|	ADV
emaj-238	252	9	issn	issn	VERB
emaj-238	252	10	2158	2158	NUM
emaj-238	252	11	-	-	SYM
emaj-238	252	12	8708	8708	NUM
emaj-238	252	13	(	(	PUNCT
emaj-238	252	14	online	online	NOUN
emaj-238	252	15	)	)	PUNCT
emaj-238	252	16	|	|	ADV
emaj-238	252	17	doi	doi	X
emaj-238	252	18	10.5195	10.5195	NUM
emaj-238	252	19	/	/	SYM
emaj-238	252	20	emaj.2022.238	emaj.2022.238	NOUN
emaj-238	252	21	|	|	NOUN
emaj-238	252	22	http://emaj.pitt.edu	http://emaj.pitt.edu	PROPN
emaj-238	252	23	francis	francis	PROPN
emaj-238	252	24	osei	osei	PROPN
emaj-238	252	25	,	,	PUNCT
emaj-238	252	26	christian	christian	PROPN
emaj-238	252	27	narh	narh	NOUN
emaj-238	252	28	opata	opata	NOUN
emaj-238	252	29	,	,	PUNCT
emaj-238	252	30	collins	collins	PROPN
emaj-238	252	31	kankam	kankam	PROPN
emaj-238	252	32	-	-	PUNCT
emaj-238	252	33	kwarteng	kwarteng	PROPN
emaj-238	252	34	,	,	PUNCT
emaj-238	252	35	daniel	daniel	PROPN
emaj-238	252	36	ofori	ofori	ADV
emaj-238	252	37	emerging	emerge	VERB
emaj-238	252	38	markets	market	NOUN
emaj-238	252	39	journal	journal	NOUN
emaj-238	253	1	|	|	ADV
emaj-238	253	2	p	p	NOUN
emaj-238	253	3	a	a	DET
emaj-238	253	4	g	g	NOUN
emaj-238	253	5	e	e	NOUN
emaj-238	253	6	2	2	NUM
emaj-238	253	7	1	1	NUM
emaj-238	253	8	v.	v.	ADP
emaj-238	253	9	conclusion	conclusion	NOUN
emaj-238	253	10	and	and	CCONJ
emaj-238	253	11	recommendations	recommendation	NOUN
emaj-238	253	12	the	the	DET
emaj-238	253	13	increased	increase	VERB
emaj-238	253	14	competition	competition	NOUN
emaj-238	253	15	for	for	ADP
emaj-238	253	16	insurance	insurance	NOUN
emaj-238	253	17	required	require	VERB
emaj-238	253	18	this	this	DET
emaj-238	253	19	analysis	analysis	NOUN
emaj-238	253	20	to	to	PART
emaj-238	253	21	compare	compare	VERB
emaj-238	253	22	attitudinal	attitudinal	ADJ
emaj-238	253	23	patterns	pattern	NOUN
emaj-238	253	24	and	and	CCONJ
emaj-238	253	25	cultural	cultural	ADJ
emaj-238	253	26	trends	trend	NOUN
emaj-238	253	27	,	,	PUNCT
emaj-238	253	28	based	base	VERB
emaj-238	253	29	on	on	ADP
emaj-238	253	30	the	the	DET
emaj-238	253	31	theory	theory	NOUN
emaj-238	253	32	of	of	ADP
emaj-238	253	33	planned	plan	VERB
emaj-238	253	34	behavior	behavior	NOUN
emaj-238	253	35	for	for	ADP
emaj-238	253	36	clarity	clarity	NOUN
emaj-238	253	37	in	in	ADP
emaj-238	253	38	the	the	DET
emaj-238	253	39	ghanaian	ghanaian	ADJ
emaj-238	253	40	context	context	NOUN
emaj-238	253	41	,	,	PUNCT
emaj-238	253	42	on	on	ADP
emaj-238	253	43	customer	customer	NOUN
emaj-238	253	44	knowledge	knowledge	NOUN
emaj-238	253	45	and	and	CCONJ
emaj-238	253	46	perception	perception	NOUN
emaj-238	253	47	and	and	CCONJ
emaj-238	253	48	purchase	purchase	NOUN
emaj-238	253	49	intent	intent	NOUN
emaj-238	253	50	.	.	PUNCT
emaj-238	254	1	management	management	NOUN
emaj-238	254	2	can	can	AUX
emaj-238	254	3	derive	derive	VERB
emaj-238	254	4	some	some	DET
emaj-238	254	5	realistic	realistic	ADJ
emaj-238	254	6	signs	sign	NOUN
emaj-238	254	7	from	from	ADP
emaj-238	254	8	the	the	DET
emaj-238	254	9	research	research	NOUN
emaj-238	254	10	.	.	PUNCT
emaj-238	255	1	in	in	ADP
emaj-238	255	2	an	an	DET
emaj-238	255	3	environment	environment	NOUN
emaj-238	255	4	of	of	ADP
emaj-238	255	5	intense	intense	ADJ
emaj-238	255	6	market	market	NOUN
emaj-238	255	7	rivalry	rivalry	NOUN
emaj-238	255	8	where	where	SCONJ
emaj-238	255	9	rivals	rival	NOUN
emaj-238	255	10	work	work	VERB
emaj-238	255	11	rigorously	rigorously	ADV
emaj-238	255	12	to	to	PART
emaj-238	255	13	outwit	outwit	VERB
emaj-238	255	14	their	their	PRON
emaj-238	255	15	competitors	competitor	NOUN
emaj-238	255	16	,	,	PUNCT
emaj-238	255	17	grappling	grapple	VERB
emaj-238	255	18	with	with	ADP
emaj-238	255	19	the	the	DET
emaj-238	255	20	issue	issue	NOUN
emaj-238	255	21	of	of	ADP
emaj-238	255	22	religious	religious	ADJ
emaj-238	255	23	sensitivity	sensitivity	NOUN
emaj-238	255	24	;	;	PUNCT
emaj-238	255	25	because	because	SCONJ
emaj-238	255	26	religion	religion	NOUN
emaj-238	255	27	has	have	VERB
emaj-238	255	28	little	little	ADJ
emaj-238	255	29	effect	effect	NOUN
emaj-238	255	30	on	on	ADP
emaj-238	255	31	consumer	consumer	NOUN
emaj-238	255	32	insurance	insurance	NOUN
emaj-238	255	33	patronage	patronage	NOUN
emaj-238	255	34	if	if	SCONJ
emaj-238	255	35	discovered	discover	VERB
emaj-238	255	36	and	and	CCONJ
emaj-238	255	37	people	people	NOUN
emaj-238	255	38	are	be	AUX
emaj-238	255	39	likely	likely	ADJ
emaj-238	255	40	to	to	PART
emaj-238	255	41	be	be	AUX
emaj-238	255	42	too	too	ADV
emaj-238	255	43	sensitive	sensitive	ADJ
emaj-238	255	44	to	to	ADP
emaj-238	255	45	religious	religious	ADJ
emaj-238	255	46	problems	problem	NOUN
emaj-238	255	47	,	,	PUNCT
emaj-238	255	48	in	in	ADP
emaj-238	255	49	order	order	NOUN
emaj-238	255	50	to	to	PART
emaj-238	255	51	gain	gain	VERB
emaj-238	255	52	more	more	ADJ
emaj-238	255	53	loyalty	loyalty	NOUN
emaj-238	255	54	,	,	PUNCT
emaj-238	255	55	insurance	insurance	NOUN
emaj-238	255	56	service	service	NOUN
emaj-238	255	57	providers	provider	NOUN
emaj-238	255	58	should	should	AUX
emaj-238	255	59	sponsor	sponsor	VERB
emaj-238	255	60	services	service	NOUN
emaj-238	255	61	that	that	PRON
emaj-238	255	62	will	will	AUX
emaj-238	255	63	educate	educate	VERB
emaj-238	255	64	consumers	consumer	NOUN
emaj-238	255	65	about	about	ADP
emaj-238	255	66	why	why	SCONJ
emaj-238	255	67	they	they	PRON
emaj-238	255	68	can	can	AUX
emaj-238	255	69	patronize	patronize	VERB
emaj-238	255	70	insurance	insurance	NOUN
emaj-238	255	71	products	product	NOUN
emaj-238	255	72	when	when	SCONJ
emaj-238	255	73	meeting	meet	VERB
emaj-238	255	74	their	their	PRON
emaj-238	255	75	business	business	NOUN
emaj-238	255	76	obligations	obligation	NOUN
emaj-238	255	77	.	.	PUNCT
emaj-238	256	1	but	but	CCONJ
emaj-238	256	2	,	,	PUNCT
emaj-238	256	3	instead	instead	ADV
emaj-238	256	4	of	of	ADP
emaj-238	256	5	being	be	AUX
emaj-238	256	6	a	a	DET
emaj-238	256	7	holistic	holistic	ADJ
emaj-238	256	8	business	business	NOUN
emaj-238	256	9	operation	operation	NOUN
emaj-238	256	10	,	,	PUNCT
emaj-238	256	11	be	be	AUX
emaj-238	256	12	careful	careful	ADJ
emaj-238	256	13	not	not	PART
emaj-238	256	14	to	to	PART
emaj-238	256	15	give	give	VERB
emaj-238	256	16	the	the	DET
emaj-238	256	17	program	program	NOUN
emaj-238	256	18	a	a	DET
emaj-238	256	19	religious	religious	ADJ
emaj-238	256	20	or	or	CCONJ
emaj-238	256	21	cultural	cultural	ADJ
emaj-238	256	22	color	color	NOUN
emaj-238	256	23	.	.	PUNCT
emaj-238	257	1	proactive	proactive	ADJ
emaj-238	257	2	and	and	CCONJ
emaj-238	257	3	intensive	intensive	ADJ
emaj-238	257	4	marketing	marketing	NOUN
emaj-238	257	5	by	by	ADP
emaj-238	257	6	management	management	NOUN
emaj-238	257	7	,	,	PUNCT
emaj-238	257	8	workers	worker	NOUN
emaj-238	257	9	and	and	CCONJ
emaj-238	257	10	advertising	advertising	NOUN
emaj-238	257	11	agencies	agency	NOUN
emaj-238	257	12	:	:	PUNCT
emaj-238	257	13	when	when	SCONJ
emaj-238	257	14	insurance	insurance	NOUN
emaj-238	257	15	officers	officer	NOUN
emaj-238	257	16	are	be	AUX
emaj-238	257	17	able	able	ADJ
emaj-238	257	18	to	to	PART
emaj-238	257	19	participate	participate	VERB
emaj-238	257	20	in	in	ADP
emaj-238	257	21	a	a	DET
emaj-238	257	22	proactive	proactive	ADJ
emaj-238	257	23	and	and	CCONJ
emaj-238	257	24	intensive	intensive	ADJ
emaj-238	257	25	marketing	marketing	NOUN
emaj-238	257	26	drive	drive	NOUN
emaj-238	257	27	,	,	PUNCT
emaj-238	257	28	the	the	DET
emaj-238	257	29	probable	probable	ADJ
emaj-238	257	30	cap	cap	NOUN
emaj-238	257	31	is	be	AUX
emaj-238	257	32	very	very	ADV
emaj-238	257	33	high	high	ADJ
emaj-238	257	34	for	for	ADP
emaj-238	257	35	rising	rise	VERB
emaj-238	257	36	patronage	patronage	NOUN
emaj-238	257	37	.	.	PUNCT
emaj-238	258	1	when	when	SCONJ
emaj-238	258	2	approached	approach	VERB
emaj-238	258	3	,	,	PUNCT
emaj-238	258	4	building	build	VERB
emaj-238	258	5	a	a	DET
emaj-238	258	6	positive	positive	ADJ
emaj-238	258	7	mindset	mindset	NOUN
emaj-238	258	8	and	and	CCONJ
emaj-238	258	9	a	a	DET
emaj-238	258	10	high	high	ADJ
emaj-238	258	11	level	level	NOUN
emaj-238	258	12	of	of	ADP
emaj-238	258	13	recognition	recognition	NOUN
emaj-238	258	14	motivates	motivate	VERB
emaj-238	258	15	customers	customer	NOUN
emaj-238	258	16	.	.	PUNCT
emaj-238	259	1	as	as	ADP
emaj-238	259	2	ashfaq	ashfaq	NOUN
emaj-238	259	3	(	(	PUNCT
emaj-238	259	4	2010	2010	NUM
emaj-238	259	5	)	)	PUNCT
emaj-238	259	6	put	put	VERB
emaj-238	259	7	it	it	PRON
emaj-238	259	8	,	,	PUNCT
emaj-238	259	9	insurance	insurance	NOUN
emaj-238	259	10	service	service	NOUN
emaj-238	259	11	providers	provider	NOUN
emaj-238	259	12	need	need	VERB
emaj-238	259	13	to	to	PART
emaj-238	259	14	ensure	ensure	VERB
emaj-238	259	15	holistic	holistic	ADJ
emaj-238	259	16	marketing	marketing	NOUN
emaj-238	259	17	by	by	ADP
emaj-238	259	18	branding	brand	VERB
emaj-238	259	19	their	their	PRON
emaj-238	259	20	offerings	offering	NOUN
emaj-238	259	21	as	as	ADP
emaj-238	259	22	an	an	DET
emaj-238	259	23	alternative	alternative	NOUN
emaj-238	259	24	by	by	ADP
emaj-238	259	25	making	make	VERB
emaj-238	259	26	of	of	ADP
emaj-238	259	27	race	race	NOUN
emaj-238	259	28	and	and	CCONJ
emaj-238	259	29	religious	religious	ADJ
emaj-238	259	30	affiliation	affiliation	NOUN
emaj-238	259	31	a	a	DET
emaj-238	259	32	model	model	NOUN
emaj-238	259	33	of	of	ADP
emaj-238	259	34	profit	profit	NOUN
emaj-238	259	35	and	and	CCONJ
emaj-238	259	36	risk	risk	NOUN
emaj-238	259	37	reduction	reduction	NOUN
emaj-238	259	38	.	.	PUNCT
emaj-238	260	1	building	build	VERB
emaj-238	260	2	strong	strong	ADJ
emaj-238	260	3	financial	financial	ADJ
emaj-238	260	4	institutions	institution	NOUN
emaj-238	260	5	:	:	PUNCT
emaj-238	260	6	strong	strong	ADJ
emaj-238	260	7	,	,	PUNCT
emaj-238	260	8	highlycapitalized	highlycapitalized	ADJ
emaj-238	260	9	financial	financial	ADJ
emaj-238	260	10	institutions	institution	NOUN
emaj-238	260	11	can	can	AUX
emaj-238	260	12	draw	draw	VERB
emaj-238	260	13	more	more	ADJ
emaj-238	260	14	people	people	NOUN
emaj-238	260	15	's	's	PART
emaj-238	260	16	trust	trust	NOUN
emaj-238	260	17	.	.	PUNCT
emaj-238	261	1	they	they	PRON
emaj-238	261	2	can	can	AUX
emaj-238	261	3	also	also	ADV
emaj-238	261	4	promote	promote	VERB
emaj-238	261	5	the	the	DET
emaj-238	261	6	process	process	NOUN
emaj-238	261	7	of	of	ADP
emaj-238	261	8	loss	loss	NOUN
emaj-238	261	9	claims	claim	NOUN
emaj-238	261	10	.	.	PUNCT
emaj-238	262	1	strong	strong	ADJ
emaj-238	262	2	institutions	institution	NOUN
emaj-238	262	3	also	also	ADV
emaj-238	262	4	employ	employ	VERB
emaj-238	262	5	professionals	professional	NOUN
emaj-238	262	6	who	who	PRON
emaj-238	262	7	can	can	AUX
emaj-238	262	8	build	build	VERB
emaj-238	262	9	trust	trust	NOUN
emaj-238	262	10	and	and	CCONJ
emaj-238	262	11	trust	trust	NOUN
emaj-238	262	12	between	between	ADP
emaj-238	262	13	providers	provider	NOUN
emaj-238	262	14	of	of	ADP
emaj-238	262	15	services	service	NOUN
emaj-238	262	16	and	and	CCONJ
emaj-238	262	17	customers	customer	NOUN
emaj-238	262	18	.	.	PUNCT
emaj-238	263	1	scholars	scholar	NOUN
emaj-238	263	2	have	have	AUX
emaj-238	263	3	shown	show	VERB
emaj-238	263	4	that	that	SCONJ
emaj-238	263	5	the	the	DET
emaj-238	263	6	identification	identification	NOUN
emaj-238	263	7	of	of	ADP
emaj-238	263	8	research	research	NOUN
emaj-238	263	9	weaknesses	weakness	NOUN
emaj-238	263	10	does	do	AUX
emaj-238	263	11	not	not	PART
emaj-238	263	12	flaw	flaw	VERB
emaj-238	263	13	its	its	PRON
emaj-238	263	14	importance	importance	NOUN
emaj-238	263	15	,	,	PUNCT
emaj-238	263	16	but	but	CCONJ
emaj-238	263	17	rather	rather	ADV
emaj-238	263	18	enhances	enhance	VERB
emaj-238	263	19	it	it	PRON
emaj-238	263	20	by	by	ADP
emaj-238	263	21	highlighting	highlight	VERB
emaj-238	263	22	key	key	ADJ
emaj-238	263	23	shortcomings	shortcoming	NOUN
emaj-238	263	24	that	that	PRON
emaj-238	263	25	may	may	AUX
emaj-238	263	26	be	be	AUX
emaj-238	263	27	of	of	ADP
emaj-238	263	28	interest	interest	NOUN
emaj-238	263	29	to	to	ADP
emaj-238	263	30	potential	potential	ADJ
emaj-238	263	31	researchers	researcher	NOUN
emaj-238	263	32	(	(	PUNCT
emaj-238	263	33	woloshin	woloshin	NOUN
emaj-238	263	34	and	and	CCONJ
emaj-238	263	35	schwartz	schwartz	NOUN
emaj-238	263	36	,	,	PUNCT
emaj-238	263	37	2002	2002	NUM
emaj-238	263	38	)	)	PUNCT
emaj-238	263	39	.	.	PUNCT
emaj-238	264	1	this	this	DET
emaj-238	264	2	study	study	NOUN
emaj-238	264	3	was	be	AUX
emaj-238	264	4	limited	limit	VERB
emaj-238	264	5	to	to	ADP
emaj-238	264	6	a	a	DET
emaj-238	264	7	survey	survey	NOUN
emaj-238	264	8	conducted	conduct	VERB
emaj-238	264	9	in	in	ADP
emaj-238	264	10	kumasi	kumasi	PROPN
emaj-238	264	11	metropolitan	metropolitan	PROPN
emaj-238	264	12	,	,	PUNCT
emaj-238	264	13	ghana	ghana	PROPN
emaj-238	264	14	as	as	SCONJ
emaj-238	264	15	this	this	PRON
emaj-238	264	16	was	be	AUX
emaj-238	264	17	the	the	DET
emaj-238	264	18	most	most	ADV
emaj-238	264	19	available	available	ADJ
emaj-238	264	20	and	and	CCONJ
emaj-238	264	21	within	within	ADP
emaj-238	264	22	the	the	DET
emaj-238	264	23	researcher	researcher	NOUN
emaj-238	264	24	’s	’s	PART
emaj-238	264	25	budget	budget	NOUN
emaj-238	264	26	.	.	PUNCT
emaj-238	265	1	future	future	ADJ
emaj-238	265	2	inquiries	inquiry	NOUN
emaj-238	265	3	are	be	AUX
emaj-238	265	4	recommended	recommend	VERB
emaj-238	265	5	to	to	PART
emaj-238	265	6	extend	extend	VERB
emaj-238	265	7	the	the	DET
emaj-238	265	8	sampling	sample	VERB
emaj-238	265	9	frame	frame	NOUN
emaj-238	265	10	to	to	PART
emaj-238	265	11	include	include	VERB
emaj-238	265	12	a	a	DET
emaj-238	265	13	more	more	ADV
emaj-238	265	14	representative	representative	ADJ
emaj-238	265	15	sample	sample	NOUN
emaj-238	265	16	of	of	ADP
emaj-238	265	17	rural	rural	ADJ
emaj-238	265	18	communities	community	NOUN
emaj-238	265	19	and	and	CCONJ
emaj-238	265	20	other	other	ADJ
emaj-238	265	21	provinces	province	NOUN
emaj-238	265	22	of	of	ADP
emaj-238	265	23	ghana	ghana	PROPN
emaj-238	265	24	.	.	PUNCT
emaj-238	266	1	in	in	ADP
emaj-238	266	2	addition	addition	NOUN
emaj-238	266	3	,	,	PUNCT
emaj-238	266	4	this	this	DET
emaj-238	266	5	investigation	investigation	NOUN
emaj-238	266	6	was	be	AUX
emaj-238	266	7	limited	limit	VERB
emaj-238	266	8	to	to	ADP
emaj-238	266	9	data	datum	NOUN
emaj-238	266	10	from	from	ADP
emaj-238	266	11	291	291	NUM
emaj-238	266	12	respondents	respondent	NOUN
emaj-238	266	13	,	,	PUNCT
emaj-238	266	14	implying	imply	VERB
emaj-238	266	15	that	that	SCONJ
emaj-238	266	16	the	the	DET
emaj-238	266	17	findings	finding	NOUN
emaj-238	266	18	should	should	AUX
emaj-238	266	19	be	be	AUX
emaj-238	266	20	generalized	generalize	VERB
emaj-238	266	21	to	to	ADP
emaj-238	266	22	all	all	DET
emaj-238	266	23	ghanaian	ghanaian	ADJ
emaj-238	266	24	consumers	consumer	NOUN
emaj-238	266	25	with	with	ADP
emaj-238	266	26	caution	caution	NOUN
emaj-238	266	27	.	.	PUNCT
emaj-238	267	1	for	for	ADP
emaj-238	267	2	replication	replication	NOUN
emaj-238	267	3	of	of	ADP
emaj-238	267	4	the	the	DET
emaj-238	267	5	study	study	NOUN
emaj-238	267	6	,	,	PUNCT
emaj-238	267	7	larger	large	ADJ
emaj-238	267	8	sample	sample	NOUN
emaj-238	267	9	sizes	size	NOUN
emaj-238	267	10	should	should	AUX
emaj-238	267	11	be	be	AUX
emaj-238	267	12	used	use	VERB
emaj-238	267	13	.	.	PUNCT
emaj-238	268	1	references	reference	NOUN
emaj-238	268	2	abdullahi	abdullahi	PROPN
emaj-238	268	3	,	,	PUNCT
emaj-238	268	4	m.	m.	NOUN
emaj-238	268	5	(	(	PUNCT
emaj-238	268	6	2012	2012	NUM
emaj-238	268	7	)	)	PUNCT
emaj-238	268	8	.	.	PUNCT
emaj-238	269	1	effect	effect	NOUN
emaj-238	269	2	of	of	ADP
emaj-238	269	3	aggregate	aggregate	ADJ
emaj-238	269	4	type	type	NOUN
emaj-238	269	5	on	on	ADP
emaj-238	269	6	compressive	compressive	ADJ
emaj-238	269	7	strength	strength	NOUN
emaj-238	269	8	of	of	ADP
emaj-238	269	9	concrete	concrete	NOUN
emaj-238	269	10	.	.	PUNCT
emaj-238	270	1	international	international	ADJ
emaj-238	270	2	journal	journal	NOUN
emaj-238	270	3	of	of	ADP
emaj-238	270	4	civil	civil	ADJ
emaj-238	270	5	and	and	CCONJ
emaj-238	270	6	structural	structural	ADJ
emaj-238	270	7	engineering	engineering	NOUN
emaj-238	270	8	,	,	PUNCT
emaj-238	270	9	2(3	2(3	NUM
emaj-238	270	10	)	)	PUNCT
emaj-238	270	11	,	,	PUNCT
emaj-238	270	12	782	782	NUM
emaj-238	270	13	.	.	PUNCT
emaj-238	271	1	abratt	abratt	PROPN
emaj-238	271	2	,	,	PUNCT
emaj-238	271	3	r.	r.	PROPN
emaj-238	271	4	,	,	PUNCT
emaj-238	271	5	&	&	CCONJ
emaj-238	271	6	goodey	goodey	PROPN
emaj-238	271	7	,	,	PUNCT
emaj-238	271	8	s.	s.	PROPN
emaj-238	271	9	d.	d.	PROPN
emaj-238	271	10	(	(	PUNCT
emaj-238	271	11	1990	1990	NUM
emaj-238	271	12	)	)	PUNCT
emaj-238	271	13	.	.	PUNCT
emaj-238	272	1	unplanned	unplanned	ADJ
emaj-238	272	2	buying	buying	NOUN
emaj-238	272	3	and	and	CCONJ
emaj-238	272	4	in‐store	in‐store	VERB
emaj-238	272	5	stimuli	stimulus	NOUN
emaj-238	272	6	in	in	ADP
emaj-238	272	7	supermarkets	supermarket	NOUN
emaj-238	272	8	.	.	PUNCT
emaj-238	273	1	managerial	managerial	ADJ
emaj-238	273	2	and	and	CCONJ
emaj-238	273	3	decision	decision	NOUN
emaj-238	273	4	economics	economic	NOUN
emaj-238	273	5	,	,	PUNCT
emaj-238	273	6	11(2	11(2	NOUN
emaj-238	273	7	)	)	PUNCT
emaj-238	273	8	,	,	PUNCT
emaj-238	273	9	111121	111121	NUM
emaj-238	273	10	.	.	PUNCT
emaj-238	274	1	abrokwah	abrokwah	PROPN
emaj-238	274	2	,	,	PUNCT
emaj-238	274	3	s.	s.	PROPN
emaj-238	274	4	o.	o.	PROPN
emaj-238	274	5	,	,	PUNCT
emaj-238	274	6	moser	moser	PROPN
emaj-238	274	7	,	,	PUNCT
emaj-238	274	8	c.	c.	PROPN
emaj-238	274	9	m.	m.	PROPN
emaj-238	274	10	,	,	PUNCT
emaj-238	274	11	&	&	CCONJ
emaj-238	274	12	norton	norton	PROPN
emaj-238	274	13	,	,	PUNCT
emaj-238	274	14	e.	e.	PROPN
emaj-238	274	15	(	(	PUNCT
emaj-238	274	16	2016	2016	NUM
emaj-238	274	17	)	)	PUNCT
emaj-238	274	18	.	.	PUNCT
emaj-238	275	1	the	the	DET
emaj-238	275	2	impact	impact	NOUN
emaj-238	275	3	of	of	ADP
emaj-238	275	4	social	social	ADJ
emaj-238	275	5	health	health	NOUN
emaj-238	275	6	insurance	insurance	NOUN
emaj-238	275	7	on	on	ADP
emaj-238	275	8	household	household	NOUN
emaj-238	275	9	fertility	fertility	NOUN
emaj-238	275	10	decisions	decision	NOUN
emaj-238	275	11	.	.	PUNCT
emaj-238	276	1	journal	journal	NOUN
emaj-238	276	2	of	of	ADP
emaj-238	276	3	african	african	ADJ
emaj-238	276	4	economies	economy	NOUN
emaj-238	276	5	,	,	PUNCT
emaj-238	276	6	25(5	25(5	NUM
emaj-238	276	7	)	)	PUNCT
emaj-238	276	8	,	,	PUNCT
emaj-238	276	9	699	699	NUM
emaj-238	276	10	-	-	SYM
emaj-238	276	11	717	717	NUM
emaj-238	276	12	.	.	PUNCT
emaj-238	277	1	ackah	ackah	PROPN
emaj-238	277	2	,	,	PUNCT
emaj-238	277	3	c.	c.	PROPN
emaj-238	277	4	,	,	PUNCT
emaj-238	277	5	&	&	CCONJ
emaj-238	277	6	owusu	owusu	PROPN
emaj-238	277	7	,	,	PUNCT
emaj-238	277	8	a.	a.	PROPN
emaj-238	277	9	(	(	PUNCT
emaj-238	277	10	2012	2012	NUM
emaj-238	277	11	,	,	PUNCT
emaj-238	277	12	march	march	PROPN
emaj-238	277	13	)	)	PUNCT
emaj-238	277	14	.	.	PUNCT
emaj-238	278	1	assessing	assess	VERB
emaj-238	278	2	the	the	DET
emaj-238	278	3	knowledge	knowledge	NOUN
emaj-238	278	4	of	of	ADP
emaj-238	278	5	and	and	CCONJ
emaj-238	278	6	attitude	attitude	NOUN
emaj-238	278	7	towards	towards	ADP
emaj-238	278	8	insurance	insurance	NOUN
emaj-238	278	9	in	in	ADP
emaj-238	278	10	ghana	ghana	PROPN
emaj-238	278	11	.	.	PUNCT
emaj-238	279	1	in	in	ADP
emaj-238	279	2	research	research	NOUN
emaj-238	279	3	conference	conference	NOUN
emaj-238	279	4	on	on	ADP
emaj-238	279	5	microinsurance	microinsurance	NOUN
emaj-238	279	6	.	.	PUNCT
emaj-238	280	1	adamu	adamu	PROPN
emaj-238	280	2	,	,	PUNCT
emaj-238	280	3	i.	i.	PROPN
emaj-238	280	4	y.	y.	PROPN
emaj-238	280	5	(	(	PUNCT
emaj-238	280	6	2016	2016	NUM
emaj-238	280	7	)	)	PUNCT
emaj-238	280	8	.	.	PUNCT
emaj-238	281	1	acceptance	acceptance	NOUN
emaj-238	281	2	and	and	CCONJ
emaj-238	281	3	patronage	patronage	NOUN
emaj-238	281	4	of	of	ADP
emaj-238	281	5	insurance	insurance	NOUN
emaj-238	281	6	services	service	NOUN
emaj-238	281	7	in	in	ADP
emaj-238	281	8	northern	northern	PROPN
emaj-238	281	9	nigeria	nigeria	PROPN
emaj-238	281	10	.	.	PUNCT
emaj-238	282	1	journal	journal	PROPN
emaj-238	282	2	department	department	PROPN
emaj-238	282	3	of	of	ADP
emaj-238	282	4	business	business	PROPN
emaj-238	282	5	administration	administration	PROPN
emaj-238	282	6	,	,	PUNCT
emaj-238	282	7	federal	federal	PROPN
emaj-238	282	8	university	university	NOUN
emaj-238	282	9	kashere	kashere	NOUN
emaj-238	282	10	,	,	PUNCT
emaj-238	282	11	gombe	gombe	ADJ
emaj-238	282	12	state	state	NOUN
emaj-238	282	13	,	,	PUNCT
emaj-238	282	14	nigeria	nigeria	PROPN
emaj-238	282	15	.	.	PUNCT
emaj-238	283	1	ahmed	ahmed	PROPN
emaj-238	283	2	,	,	PUNCT
emaj-238	283	3	n.	n.	PROPN
emaj-238	283	4	,	,	PUNCT
emaj-238	283	5	li	li	PROPN
emaj-238	283	6	,	,	PUNCT
emaj-238	283	7	c.	c.	PROPN
emaj-238	283	8	,	,	PUNCT
emaj-238	283	9	khan	khan	PROPN
emaj-238	283	10	,	,	PUNCT
emaj-238	283	11	a.	a.	PROPN
emaj-238	283	12	,	,	PUNCT
emaj-238	283	13	qalati	qalati	PROPN
emaj-238	283	14	,	,	PUNCT
emaj-238	283	15	s.	s.	PROPN
emaj-238	283	16	a.	a.	PROPN
emaj-238	283	17	,	,	PUNCT
emaj-238	283	18	naz	naz	PROPN
emaj-238	283	19	,	,	PUNCT
emaj-238	283	20	s.	s.	PROPN
emaj-238	283	21	,	,	PUNCT
emaj-238	283	22	&	&	CCONJ
emaj-238	283	23	rana	rana	PROPN
emaj-238	283	24	,	,	PUNCT
emaj-238	283	25	f.	f.	PROPN
emaj-238	283	26	(	(	PUNCT
emaj-238	283	27	2020	2020	NUM
emaj-238	283	28	)	)	PUNCT
emaj-238	283	29	.	.	PUNCT
emaj-238	284	1	purchase	purchase	NOUN
emaj-238	284	2	intention	intention	NOUN
emaj-238	284	3	toward	toward	ADP
emaj-238	284	4	organic	organic	ADJ
emaj-238	284	5	food	food	NOUN
emaj-238	284	6	among	among	ADP
emaj-238	284	7	young	young	ADJ
emaj-238	284	8	consumers	consumer	NOUN
emaj-238	284	9	using	use	VERB
emaj-238	284	10	theory	theory	NOUN
emaj-238	284	11	of	of	ADP
emaj-238	284	12	planned	planned	ADJ
emaj-238	284	13	behavior	behavior	NOUN
emaj-238	284	14	:	:	PUNCT
emaj-238	284	15	role	role	NOUN
emaj-238	284	16	of	of	ADP
emaj-238	284	17	environmental	environmental	ADJ
emaj-238	284	18	concerns	concern	NOUN
emaj-238	284	19	and	and	CCONJ
emaj-238	284	20	environmental	environmental	ADJ
emaj-238	284	21	awareness	awareness	NOUN
emaj-238	284	22	.	.	PUNCT
emaj-238	285	1	journal	journal	PROPN
emaj-238	285	2	of	of	ADP
emaj-238	285	3	environmental	environmental	ADJ
emaj-238	285	4	planning	planning	NOUN
emaj-238	285	5	and	and	CCONJ
emaj-238	285	6	management	management	NOUN
emaj-238	285	7	,	,	PUNCT
emaj-238	285	8	1	1	NUM
emaj-238	285	9	-	-	SYM
emaj-238	285	10	27	27	NUM
emaj-238	285	11	.	.	PUNCT
emaj-238	286	1	ajayi	ajayi	PROPN
emaj-238	286	2	,	,	PUNCT
emaj-238	286	3	i.	i.	PROPN
emaj-238	286	4	o.	o.	PROPN
emaj-238	286	5	,	,	PUNCT
emaj-238	286	6	soyannwo	soyannwo	PROPN
emaj-238	286	7	,	,	PUNCT
emaj-238	286	8	t.	t.	PROPN
emaj-238	286	9	,	,	PUNCT
emaj-238	286	10	&	&	CCONJ
emaj-238	286	11	akpa	akpa	PROPN
emaj-238	286	12	,	,	PUNCT
emaj-238	286	13	o.	o.	NOUN
emaj-238	286	14	m.	m.	NOUN
emaj-238	286	15	(	(	PUNCT
emaj-238	286	16	2013	2013	NUM
emaj-238	286	17	)	)	PUNCT
emaj-238	286	18	.	.	PUNCT
emaj-238	287	1	awareness	awareness	NOUN
emaj-238	287	2	and	and	CCONJ
emaj-238	287	3	utilization	utilization	NOUN
emaj-238	287	4	of	of	ADP
emaj-238	287	5	affordable	affordable	ADJ
emaj-238	287	6	medicine	medicine	NOUN
emaj-238	287	7	facility	facility	NOUN
emaj-238	287	8	-	-	PUNCT
emaj-238	287	9	malaria	malaria	NOUN
emaj-238	287	10	among	among	ADP
emaj-238	287	11	caregivers	caregiver	NOUN
emaj-238	287	12	of	of	ADP
emaj-238	287	13	under	under	ADP
emaj-238	287	14	-	-	PUNCT
emaj-238	287	15	five	five	NUM
emaj-238	287	16	children	child	NOUN
emaj-238	287	17	in	in	ADP
emaj-238	287	18	ibadan	ibadan	PROPN
emaj-238	287	19	north	north	PROPN
emaj-238	287	20	-	-	PUNCT
emaj-238	287	21	west	west	NOUN
emaj-238	287	22	local	local	ADJ
emaj-238	287	23	government	government	NOUN
emaj-238	287	24	area	area	NOUN
emaj-238	287	25	,	,	PUNCT
emaj-238	287	26	oyo	oyo	NOUN
emaj-238	287	27	state	state	NOUN
emaj-238	287	28	.	.	PUNCT
emaj-238	288	1	malaria	malaria	NOUN
emaj-238	288	2	research	research	NOUN
emaj-238	288	3	and	and	CCONJ
emaj-238	288	4	treatment	treatment	NOUN
emaj-238	288	5	,	,	PUNCT
emaj-238	288	6	2013	2013	NUM
emaj-238	288	7	.	.	PUNCT
emaj-238	289	1	ajeigbe	ajeigbe	PROPN
emaj-238	289	2	,	,	PUNCT
emaj-238	289	3	h.	h.	PROPN
emaj-238	289	4	a.	a.	PROPN
emaj-238	289	5	,	,	PUNCT
emaj-238	289	6	waliyar	waliyar	PROPN
emaj-238	289	7	,	,	PUNCT
emaj-238	289	8	f.	f.	PROPN
emaj-238	289	9	,	,	PUNCT
emaj-238	289	10	echekwu	echekwu	NOUN
emaj-238	289	11	,	,	PUNCT
emaj-238	289	12	c.	c.	PROPN
emaj-238	289	13	a.	a.	PROPN
emaj-238	289	14	,	,	PUNCT
emaj-238	289	15	ayuba	ayuba	PROPN
emaj-238	289	16	,	,	PUNCT
emaj-238	289	17	k.	k.	PROPN
emaj-238	289	18	,	,	PUNCT
emaj-238	289	19	motagi	motagi	PROPN
emaj-238	289	20	,	,	PUNCT
emaj-238	289	21	b.	b.	PROPN
emaj-238	289	22	n.	n.	PROPN
emaj-238	289	23	,	,	PUNCT
emaj-238	289	24	eniayeju	eniayeju	PROPN
emaj-238	289	25	,	,	PUNCT
emaj-238	289	26	d.	d.	PROPN
emaj-238	289	27	,	,	PUNCT
emaj-238	289	28	&	&	CCONJ
emaj-238	289	29	inuwa	inuwa	PROPN
emaj-238	289	30	,	,	PUNCT
emaj-238	289	31	a.	a.	NOUN
emaj-238	289	32	(	(	PUNCT
emaj-238	289	33	2014	2014	NUM
emaj-238	289	34	)	)	PUNCT
emaj-238	289	35	.	.	PUNCT
emaj-238	290	1	a	a	DET
emaj-238	290	2	farmer	farmer	NOUN
emaj-238	290	3	’s	’s	PART
emaj-238	290	4	guide	guide	NOUN
emaj-238	290	5	to	to	ADP
emaj-238	290	6	groundnut	groundnut	ADJ
emaj-238	290	7	production	production	NOUN
emaj-238	290	8	in	in	ADP
emaj-238	290	9	nigeria	nigeria	PROPN
emaj-238	290	10	.	.	PUNCT
emaj-238	291	1	patancheru	patancheru	PROPN
emaj-238	291	2	,	,	PUNCT
emaj-238	291	3	502(324	502(324	NUM
emaj-238	291	4	)	)	PUNCT
emaj-238	291	5	,	,	PUNCT
emaj-238	291	6	36	36	NUM
emaj-238	291	7	.	.	PUNCT
emaj-238	292	1	ajzen	ajzen	PROPN
emaj-238	292	2	,	,	PUNCT
emaj-238	292	3	i.	i.	NOUN
emaj-238	292	4	(	(	PUNCT
emaj-238	292	5	1991	1991	NUM
emaj-238	292	6	)	)	PUNCT
emaj-238	292	7	.	.	PUNCT
emaj-238	293	1	the	the	DET
emaj-238	293	2	theory	theory	NOUN
emaj-238	293	3	of	of	ADP
emaj-238	293	4	planned	plan	VERB
emaj-238	293	5	behavior	behavior	NOUN
emaj-238	293	6	.	.	PUNCT
emaj-238	294	1	organizational	organizational	ADJ
emaj-238	294	2	behavior	behavior	NOUN
emaj-238	294	3	and	and	CCONJ
emaj-238	294	4	human	human	ADJ
emaj-238	294	5	decision	decision	NOUN
emaj-238	294	6	processes	process	NOUN
emaj-238	294	7	,	,	PUNCT
emaj-238	294	8	50(2	50(2	NUM
emaj-238	294	9	)	)	PUNCT
emaj-238	294	10	,	,	PUNCT
emaj-238	294	11	179	179	NUM
emaj-238	294	12	-	-	SYM
emaj-238	294	13	211	211	NUM
emaj-238	294	14	.	.	PUNCT
emaj-238	295	1	ajzen	ajzen	NOUN
emaj-238	295	2	,	,	PUNCT
emaj-238	295	3	i.	i.	NOUN
emaj-238	295	4	,	,	PUNCT
emaj-238	295	5	&	&	CCONJ
emaj-238	295	6	fishbein	fishbein	PROPN
emaj-238	295	7	,	,	PUNCT
emaj-238	295	8	m.	m.	NOUN
emaj-238	295	9	(	(	PUNCT
emaj-238	295	10	1975	1975	NUM
emaj-238	295	11	)	)	PUNCT
emaj-238	295	12	.	.	PUNCT
emaj-238	296	1	a	a	DET
emaj-238	296	2	bayesian	bayesian	NOUN
emaj-238	296	3	analysis	analysis	NOUN
emaj-238	296	4	of	of	ADP
emaj-238	296	5	attribution	attribution	NOUN
emaj-238	296	6	processes	process	NOUN
emaj-238	296	7	.	.	PUNCT
emaj-238	297	1	psychological	psychological	ADJ
emaj-238	297	2	bulletin	bulletin	NOUN
emaj-238	297	3	,	,	PUNCT
emaj-238	297	4	82(2	82(2	NUM
emaj-238	297	5	)	)	PUNCT
emaj-238	297	6	,	,	PUNCT
emaj-238	297	7	261	261	NUM
emaj-238	297	8	.	.	PUNCT
emaj-238	298	1	akhtar	akhtar	PROPN
emaj-238	298	2	,	,	PUNCT
emaj-238	298	3	n.	n.	NOUN
emaj-238	298	4	,	,	PUNCT
emaj-238	298	5	siddiqi	siddiqi	PROPN
emaj-238	298	6	,	,	PUNCT
emaj-238	298	7	u.	u.	PROPN
emaj-238	298	8	i.	i.	PROPN
emaj-238	298	9	,	,	PUNCT
emaj-238	298	10	ashraf	ashraf	PROPN
emaj-238	298	11	,	,	PUNCT
emaj-238	298	12	a.	a.	PROPN
emaj-238	298	13	,	,	PUNCT
emaj-238	298	14	&	&	CCONJ
emaj-238	298	15	latif	latif	PROPN
emaj-238	298	16	,	,	PUNCT
emaj-238	298	17	m.	m.	NOUN
emaj-238	298	18	(	(	PUNCT
emaj-238	298	19	2016	2016	NUM
emaj-238	298	20	)	)	PUNCT
emaj-238	298	21	.	.	PUNCT
emaj-238	299	1	impact	impact	NOUN
emaj-238	299	2	of	of	ADP
emaj-238	299	3	a	a	DET
emaj-238	299	4	brand	brand	NOUN
emaj-238	299	5	equity	equity	NOUN
emaj-238	299	6	on	on	ADP
emaj-238	299	7	consumer	consumer	NOUN
emaj-238	299	8	purchase	purchase	NOUN
emaj-238	299	9	decision	decision	NOUN
emaj-238	299	10	in	in	ADP
emaj-238	299	11	l'oreal	l'oreal	NOUN
emaj-238	299	12	skincare	skincare	NOUN
emaj-238	299	13	products	product	NOUN
emaj-238	299	14	.	.	PUNCT
emaj-238	300	1	international	international	ADJ
emaj-238	300	2	review	review	NOUN
emaj-238	300	3	of	of	ADP
emaj-238	300	4	management	management	NOUN
emaj-238	300	5	and	and	CCONJ
emaj-238	300	6	business	business	NOUN
emaj-238	300	7	research	research	NOUN
emaj-238	300	8	,	,	PUNCT
emaj-238	300	9	5(3	5(3	NUM
emaj-238	300	10	)	)	PUNCT
emaj-238	300	11	,	,	PUNCT
emaj-238	300	12	808	808	X
emaj-238	300	13	.	.	PUNCT
emaj-238	300	14	alhassan	alhassan	PROPN
emaj-238	300	15	,	,	PUNCT
emaj-238	300	16	r.	r.	PROPN
emaj-238	300	17	k.	k.	PROPN
emaj-238	300	18	,	,	PUNCT
emaj-238	300	19	nketiah	nketiah	PROPN
emaj-238	300	20	-	-	PUNCT
emaj-238	300	21	amponsah	amponsah	PROPN
emaj-238	300	22	,	,	PUNCT
emaj-238	300	23	e.	e.	PROPN
emaj-238	300	24	,	,	PUNCT
emaj-238	300	25	&	&	CCONJ
emaj-238	300	26	arhinful	arhinful	PROPN
emaj-238	300	27	,	,	PUNCT
emaj-238	300	28	d.	d.	PROPN
emaj-238	300	29	k.	k.	PROPN
emaj-238	300	30	(	(	PUNCT
emaj-238	300	31	2016	2016	NUM
emaj-238	300	32	)	)	PUNCT
emaj-238	300	33	.	.	PUNCT
emaj-238	301	1	a	a	DET
emaj-238	301	2	review	review	NOUN
emaj-238	301	3	of	of	ADP
emaj-238	301	4	the	the	DET
emaj-238	301	5	national	national	PROPN
emaj-238	301	6	health	health	PROPN
emaj-238	301	7	insurance	insurance	NOUN
emaj-238	301	8	scheme	scheme	NOUN
emaj-238	301	9	in	in	ADP
emaj-238	301	10	ghana	ghana	PROPN
emaj-238	301	11	:	:	PUNCT
emaj-238	301	12	what	what	PRON
emaj-238	301	13	are	be	AUX
emaj-238	301	14	the	the	DET
emaj-238	301	15	sustainability	sustainability	NOUN
emaj-238	301	16	threats	threat	NOUN
emaj-238	301	17	and	and	CCONJ
emaj-238	301	18	prospects	prospect	NOUN
emaj-238	301	19	?	?	PUNCT
emaj-238	301	20	.	.	PUNCT
emaj-238	302	1	plos	plos	PROPN
emaj-238	302	2	one	one	NUM
emaj-238	302	3	,	,	PUNCT
emaj-238	302	4	11(11	11(11	NUM
emaj-238	302	5	)	)	PUNCT
emaj-238	302	6	,	,	PUNCT
emaj-238	302	7	e0165151	e0165151	NOUN
emaj-238	302	8	.	.	NOUN
emaj-238	302	9	amaefula	amaefula	PROPN
emaj-238	302	10	,	,	PUNCT
emaj-238	302	11	c.	c.	PROPN
emaj-238	302	12	,	,	PUNCT
emaj-238	302	13	okezie	okezie	PROPN
emaj-238	302	14	,	,	PUNCT
emaj-238	302	15	c.	c.	PROPN
emaj-238	302	16	a.	a.	PROPN
emaj-238	302	17	,	,	PUNCT
emaj-238	302	18	&	&	CCONJ
emaj-238	302	19	mejeha	mejeha	PROPN
emaj-238	302	20	,	,	PUNCT
emaj-238	302	21	r.	r.	PROPN
emaj-238	302	22	(	(	PUNCT
emaj-238	302	23	2012	2012	NUM
emaj-238	302	24	)	)	PUNCT
emaj-238	302	25	.	.	PUNCT
emaj-238	303	1	risk	risk	NOUN
emaj-238	303	2	attitude	attitude	NOUN
emaj-238	303	3	and	and	CCONJ
emaj-238	303	4	insurance	insurance	NOUN
emaj-238	303	5	:	:	PUNCT
emaj-238	303	6	a	a	DET
emaj-238	303	7	causal	causal	ADJ
emaj-238	303	8	analysis	analysis	NOUN
emaj-238	303	9	.	.	PUNCT
emaj-238	304	1	american	american	ADJ
emaj-238	304	2	journal	journal	PROPN
emaj-238	304	3	of	of	ADP
emaj-238	304	4	economics	economic	NOUN
emaj-238	304	5	,	,	PUNCT
emaj-238	304	6	2(3	2(3	NUM
emaj-238	304	7	)	)	PUNCT
emaj-238	304	8	,	,	PUNCT
emaj-238	304	9	26	26	NUM
emaj-238	304	10	-	-	SYM
emaj-238	304	11	32	32	NUM
emaj-238	304	12	.	.	PUNCT
emaj-238	305	1	volume	volume	NOUN
emaj-238	305	2	12	12	NUM
emaj-238	305	3	no	no	DET
emaj-238	305	4	1	1	NUM
emaj-238	305	5	(	(	PUNCT
emaj-238	305	6	2021	2021	NUM
emaj-238	305	7	)	)	PUNCT
emaj-238	305	8	|	|	ADV
emaj-238	305	9	issn	issn	VERB
emaj-238	305	10	2158	2158	NUM
emaj-238	305	11	-	-	SYM
emaj-238	305	12	8708	8708	NUM
emaj-238	305	13	(	(	PUNCT
emaj-238	305	14	online	online	NOUN
emaj-238	305	15	)	)	PUNCT
emaj-238	305	16	|	|	ADV
emaj-238	305	17	doi	doi	X
emaj-238	305	18	10.5195	10.5195	NUM
emaj-238	305	19	/	/	SYM
emaj-238	305	20	emaj.2022.238	emaj.2022.238	NOUN
emaj-238	306	1	|	|	NOUN
emaj-238	306	2	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-238	306	3	cultural	cultural	ADJ
emaj-238	306	4	and	and	CCONJ
emaj-238	306	5	attitudinal	attitudinal	ADJ
emaj-238	306	6	tenets	tenet	NOUN
emaj-238	306	7	of	of	ADP
emaj-238	306	8	ghanaians	ghanaians	PROPN
emaj-238	306	9	on	on	ADP
emaj-238	306	10	insurance	insurance	NOUN
emaj-238	306	11	service	service	NOUN
emaj-238	306	12	:	:	PUNCT
emaj-238	306	13	an	an	DET
emaj-238	306	14	empirical	empirical	ADJ
emaj-238	306	15	study	study	NOUN
emaj-238	306	16	page	page	NOUN
emaj-238	306	17	|22|	|22|	ADJ
emaj-238	306	18	emerging	emerge	VERB
emaj-238	306	19	markets	market	NOUN
emaj-238	306	20	journal	journal	NOUN
emaj-238	306	21	arodiogbu	arodiogbu	NOUN
emaj-238	306	22	,	,	PUNCT
emaj-238	306	23	i.	i.	PROPN
emaj-238	306	24	l.	l.	PROPN
emaj-238	306	25	(	(	PUNCT
emaj-238	306	26	2005	2005	NUM
emaj-238	306	27	)	)	PUNCT
emaj-238	306	28	.	.	PUNCT
emaj-238	307	1	introducing	introduce	VERB
emaj-238	307	2	social	social	ADJ
emaj-238	307	3	health	health	NOUN
emaj-238	307	4	insurance	insurance	NOUN
emaj-238	307	5	to	to	PART
emaj-238	307	6	solve	solve	VERB
emaj-238	307	7	problems	problem	NOUN
emaj-238	307	8	of	of	ADP
emaj-238	307	9	poor	poor	ADJ
emaj-238	307	10	health	health	NOUN
emaj-238	307	11	sector	sector	NOUN
emaj-238	307	12	financing	financing	NOUN
emaj-238	307	13	in	in	ADP
emaj-238	307	14	nigeria	nigeria	PROPN
emaj-238	307	15	.	.	PUNCT
emaj-238	308	1	unpublished	unpublished	ADJ
emaj-238	308	2	msc	msc	PROPN
emaj-238	308	3	thesis	thesis	NOUN
emaj-238	308	4	submitted	submit	VERB
emaj-238	308	5	to	to	ADP
emaj-238	308	6	the	the	DET
emaj-238	308	7	department	department	PROPN
emaj-238	308	8	of	of	ADP
emaj-238	308	9	health	health	PROPN
emaj-238	308	10	management	management	NOUN
emaj-238	308	11	,	,	PUNCT
emaj-238	308	12	planning	planning	NOUN
emaj-238	308	13	and	and	CCONJ
emaj-238	308	14	policy	policy	NOUN
emaj-238	308	15	,	,	PUNCT
emaj-238	308	16	university	university	NOUN
emaj-238	308	17	of	of	ADP
emaj-238	308	18	leeds	leed	NOUN
emaj-238	308	19	.	.	PUNCT
emaj-238	309	1	ashraf	ashraf	PROPN
emaj-238	309	2	,	,	PUNCT
emaj-238	309	3	b.	b.	PROPN
emaj-238	309	4	n.	n.	PROPN
emaj-238	309	5	,	,	PUNCT
emaj-238	309	6	arshad	arshad	PROPN
emaj-238	309	7	,	,	PUNCT
emaj-238	309	8	s.	s.	PROPN
emaj-238	309	9	,	,	PUNCT
emaj-238	309	10	&	&	CCONJ
emaj-238	309	11	yan	yan	PROPN
emaj-238	309	12	,	,	PUNCT
emaj-238	309	13	l.	l.	PROPN
emaj-238	309	14	(	(	PUNCT
emaj-238	309	15	2017	2017	NUM
emaj-238	309	16	)	)	PUNCT
emaj-238	309	17	.	.	PUNCT
emaj-238	310	1	trade	trade	NOUN
emaj-238	310	2	openness	openness	NOUN
emaj-238	310	3	and	and	CCONJ
emaj-238	310	4	bank	bank	NOUN
emaj-238	310	5	risk	risk	NOUN
emaj-238	310	6	-	-	PUNCT
emaj-238	310	7	taking	take	VERB
emaj-238	310	8	behavior	behavior	NOUN
emaj-238	310	9	:	:	PUNCT
emaj-238	310	10	evidence	evidence	NOUN
emaj-238	310	11	from	from	ADP
emaj-238	310	12	emerging	emerge	VERB
emaj-238	310	13	economies	economy	NOUN
emaj-238	310	14	.	.	PUNCT
emaj-238	311	1	journal	journal	NOUN
emaj-238	311	2	of	of	ADP
emaj-238	311	3	risk	risk	NOUN
emaj-238	311	4	and	and	CCONJ
emaj-238	311	5	financial	financial	ADJ
emaj-238	311	6	management	management	NOUN
emaj-238	311	7	,	,	PUNCT
emaj-238	311	8	10(3	10(3	NUM
emaj-238	311	9	)	)	PUNCT
emaj-238	311	10	,	,	PUNCT
emaj-238	311	11	15	15	NUM
emaj-238	311	12	.	.	X
emaj-238	312	1	baca	baca	PROPN
emaj-238	312	2	,	,	PUNCT
emaj-238	312	3	l.	l.	PROPN
emaj-238	312	4	f.	f.	PROPN
emaj-238	312	5	g.	g.	PROPN
emaj-238	312	6	,	,	PUNCT
emaj-238	312	7	&	&	CCONJ
emaj-238	312	8	lópez	lópez	PROPN
emaj-238	312	9	,	,	PUNCT
emaj-238	312	10	f.	f.	PROPN
emaj-238	312	11	j.	j.	PROPN
emaj-238	312	12	s.	s.	PROPN
emaj-238	312	13	(	(	PUNCT
emaj-238	312	14	2018	2018	NUM
emaj-238	312	15	)	)	PUNCT
emaj-238	312	16	.	.	PUNCT
emaj-238	313	1	traditional	traditional	ADJ
emaj-238	313	2	architecture	architecture	NOUN
emaj-238	313	3	and	and	CCONJ
emaj-238	313	4	sustainable	sustainable	ADJ
emaj-238	313	5	conservation	conservation	NOUN
emaj-238	313	6	.	.	PUNCT
emaj-238	314	1	journal	journal	PROPN
emaj-238	314	2	of	of	ADP
emaj-238	314	3	cultural	cultural	ADJ
emaj-238	314	4	heritage	heritage	NOUN
emaj-238	314	5	management	management	NOUN
emaj-238	314	6	and	and	CCONJ
emaj-238	314	7	sustainable	sustainable	ADJ
emaj-238	314	8	development	development	NOUN
emaj-238	314	9	.	.	PUNCT
emaj-238	315	1	bashir	bashir	PROPN
emaj-238	315	2	,	,	PUNCT
emaj-238	315	3	a.	a.	NOUN
emaj-238	315	4	m.	m.	NOUN
emaj-238	315	5	(	(	PUNCT
emaj-238	315	6	2019	2019	NUM
emaj-238	315	7	)	)	PUNCT
emaj-238	315	8	.	.	PUNCT
emaj-238	316	1	effect	effect	NOUN
emaj-238	316	2	of	of	ADP
emaj-238	316	3	halal	halal	NOUN
emaj-238	316	4	awareness	awareness	NOUN
emaj-238	316	5	,	,	PUNCT
emaj-238	316	6	halal	halal	NOUN
emaj-238	316	7	logo	logo	NOUN
emaj-238	316	8	and	and	CCONJ
emaj-238	316	9	attitude	attitude	NOUN
emaj-238	316	10	on	on	ADP
emaj-238	316	11	foreign	foreign	ADJ
emaj-238	316	12	consumers	consumer	NOUN
emaj-238	316	13	’	'	PUNCT
emaj-238	316	14	purchase	purchase	NOUN
emaj-238	316	15	intention	intention	NOUN
emaj-238	316	16	.	.	PUNCT
emaj-238	317	1	british	british	ADJ
emaj-238	317	2	food	food	PROPN
emaj-238	317	3	journal	journal	PROPN
emaj-238	317	4	.	.	PUNCT
emaj-238	318	1	beck	beck	PROPN
emaj-238	318	2	,	,	PUNCT
emaj-238	318	3	l.	l.	PROPN
emaj-238	318	4	,	,	PUNCT
emaj-238	318	5	&	&	CCONJ
emaj-238	318	6	ajzen	ajzen	PROPN
emaj-238	318	7	,	,	PUNCT
emaj-238	318	8	i.	i.	NOUN
emaj-238	318	9	(	(	PUNCT
emaj-238	318	10	1991	1991	NUM
emaj-238	318	11	)	)	PUNCT
emaj-238	318	12	.	.	PUNCT
emaj-238	319	1	predicting	predict	VERB
emaj-238	319	2	dishonest	dishonest	ADJ
emaj-238	319	3	actions	action	NOUN
emaj-238	319	4	using	use	VERB
emaj-238	319	5	the	the	DET
emaj-238	319	6	theory	theory	NOUN
emaj-238	319	7	of	of	ADP
emaj-238	319	8	planned	plan	VERB
emaj-238	319	9	behavior	behavior	NOUN
emaj-238	319	10	.	.	PUNCT
emaj-238	320	1	journal	journal	PROPN
emaj-238	320	2	of	of	ADP
emaj-238	320	3	research	research	NOUN
emaj-238	320	4	in	in	ADP
emaj-238	320	5	personality	personality	NOUN
emaj-238	320	6	,	,	PUNCT
emaj-238	320	7	25(3	25(3	NUM
emaj-238	320	8	)	)	PUNCT
emaj-238	320	9	,	,	PUNCT
emaj-238	320	10	285	285	NUM
emaj-238	320	11	-	-	SYM
emaj-238	320	12	301	301	NUM
emaj-238	320	13	.	.	PUNCT
emaj-238	321	1	cabantous	cabantous	ADJ
emaj-238	321	2	,	,	PUNCT
emaj-238	321	3	l.	l.	PROPN
emaj-238	321	4	(	(	PUNCT
emaj-238	321	5	2007	2007	NUM
emaj-238	321	6	)	)	PUNCT
emaj-238	321	7	.	.	PUNCT
emaj-238	322	1	ambiguity	ambiguity	NOUN
emaj-238	322	2	aversion	aversion	NOUN
emaj-238	322	3	in	in	ADP
emaj-238	322	4	the	the	DET
emaj-238	322	5	field	field	NOUN
emaj-238	322	6	of	of	ADP
emaj-238	322	7	insurance	insurance	NOUN
emaj-238	322	8	:	:	PUNCT
emaj-238	323	1	insurers	insurer	NOUN
emaj-238	323	2	’	’	PART
emaj-238	323	3	attitude	attitude	NOUN
emaj-238	323	4	to	to	PART
emaj-238	323	5	imprecise	imprecise	ADV
emaj-238	323	6	and	and	CCONJ
emaj-238	323	7	conflicting	conflict	VERB
emaj-238	323	8	probability	probability	NOUN
emaj-238	323	9	estimates	estimate	NOUN
emaj-238	323	10	.	.	PUNCT
emaj-238	324	1	theory	theory	NOUN
emaj-238	324	2	and	and	CCONJ
emaj-238	324	3	decision	decision	NOUN
emaj-238	324	4	,	,	PUNCT
emaj-238	324	5	62(3	62(3	NOUN
emaj-238	324	6	)	)	PUNCT
emaj-238	324	7	,	,	PUNCT
emaj-238	324	8	219	219	NUM
emaj-238	324	9	-	-	SYM
emaj-238	324	10	240	240	NUM
emaj-238	324	11	.	.	PUNCT
emaj-238	325	1	carrin	carrin	PROPN
emaj-238	325	2	,	,	PUNCT
emaj-238	325	3	g.	g.	PROPN
emaj-238	325	4	(	(	PUNCT
emaj-238	325	5	2002	2002	NUM
emaj-238	325	6	)	)	PUNCT
emaj-238	325	7	.	.	PUNCT
emaj-238	326	1	social	social	ADJ
emaj-238	326	2	health	health	NOUN
emaj-238	326	3	insurance	insurance	NOUN
emaj-238	326	4	in	in	ADP
emaj-238	326	5	developing	develop	VERB
emaj-238	326	6	countries	country	NOUN
emaj-238	326	7	:	:	PUNCT
emaj-238	326	8	a	a	DET
emaj-238	326	9	continuing	continue	VERB
emaj-238	326	10	challenge	challenge	NOUN
emaj-238	326	11	.	.	PUNCT
emaj-238	327	1	international	international	ADJ
emaj-238	327	2	social	social	ADJ
emaj-238	327	3	security	security	NOUN
emaj-238	327	4	review	review	NOUN
emaj-238	327	5	,	,	PUNCT
emaj-238	327	6	55(2	55(2	NUM
emaj-238	327	7	)	)	PUNCT
emaj-238	327	8	,	,	PUNCT
emaj-238	327	9	57	57	NUM
emaj-238	327	10	-	-	SYM
emaj-238	327	11	69	69	NUM
emaj-238	327	12	.	.	PUNCT
emaj-238	328	1	conner	conner	PROPN
emaj-238	328	2	,	,	PUNCT
emaj-238	328	3	m.	m.	NOUN
emaj-238	328	4	,	,	PUNCT
emaj-238	328	5	&	&	CCONJ
emaj-238	328	6	norman	norman	PROPN
emaj-238	328	7	,	,	PUNCT
emaj-238	328	8	p.	p.	NOUN
emaj-238	328	9	(	(	PUNCT
emaj-238	328	10	2005	2005	NUM
emaj-238	328	11	)	)	PUNCT
emaj-238	328	12	.	.	PUNCT
emaj-238	329	1	predicting	predict	VERB
emaj-238	329	2	health	health	NOUN
emaj-238	329	3	behaviour	behaviour	NOUN
emaj-238	329	4	.	.	PUNCT
emaj-238	330	1	mcgraw	mcgraw	PROPN
emaj-238	330	2	-	-	PUNCT
emaj-238	330	3	hill	hill	NOUN
emaj-238	330	4	education	education	NOUN
emaj-238	330	5	(	(	PUNCT
emaj-238	330	6	uk	uk	PROPN
emaj-238	330	7	)	)	PUNCT
emaj-238	330	8	.	.	PUNCT
emaj-238	331	1	das	das	PROPN
emaj-238	331	2	,	,	PUNCT
emaj-238	331	3	g.	g.	PROPN
emaj-238	331	4	(	(	PUNCT
emaj-238	331	5	2015	2015	NUM
emaj-238	331	6	)	)	PUNCT
emaj-238	331	7	.	.	PUNCT
emaj-238	332	1	linkages	linkage	NOUN
emaj-238	332	2	between	between	ADP
emaj-238	332	3	self	self	NOUN
emaj-238	332	4	-	-	PUNCT
emaj-238	332	5	congruity	congruity	NOUN
emaj-238	332	6	,	,	PUNCT
emaj-238	332	7	brand	brand	NOUN
emaj-238	332	8	familiarity	familiarity	NOUN
emaj-238	332	9	,	,	PUNCT
emaj-238	332	10	perceived	perceive	VERB
emaj-238	332	11	quality	quality	NOUN
emaj-238	332	12	and	and	CCONJ
emaj-238	332	13	purchase	purchase	NOUN
emaj-238	332	14	intention	intention	NOUN
emaj-238	332	15	:	:	PUNCT
emaj-238	332	16	a	a	DET
emaj-238	332	17	study	study	NOUN
emaj-238	332	18	of	of	ADP
emaj-238	332	19	fashion	fashion	NOUN
emaj-238	332	20	retail	retail	NOUN
emaj-238	332	21	brands	brand	NOUN
emaj-238	332	22	.	.	PUNCT
emaj-238	333	1	journal	journal	PROPN
emaj-238	333	2	of	of	ADP
emaj-238	333	3	global	global	ADJ
emaj-238	333	4	fashion	fashion	NOUN
emaj-238	333	5	marketing	marketing	NOUN
emaj-238	333	6	,	,	PUNCT
emaj-238	333	7	6(3	6(3	NUM
emaj-238	333	8	)	)	PUNCT
emaj-238	333	9	,	,	PUNCT
emaj-238	333	10	180193	180193	NUM
emaj-238	333	11	.	.	PUNCT
emaj-238	334	1	diallo	diallo	PROPN
emaj-238	334	2	,	,	PUNCT
emaj-238	334	3	m.	m.	PROPN
emaj-238	334	4	f.	f.	PROPN
emaj-238	334	5	(	(	PUNCT
emaj-238	334	6	2012	2012	NUM
emaj-238	334	7	)	)	PUNCT
emaj-238	334	8	.	.	PUNCT
emaj-238	335	1	effects	effect	NOUN
emaj-238	335	2	of	of	ADP
emaj-238	335	3	store	store	NOUN
emaj-238	335	4	image	image	NOUN
emaj-238	335	5	and	and	CCONJ
emaj-238	335	6	store	store	NOUN
emaj-238	335	7	brand	brand	NOUN
emaj-238	335	8	price	price	NOUN
emaj-238	335	9	-	-	PUNCT
emaj-238	335	10	image	image	NOUN
emaj-238	335	11	on	on	ADP
emaj-238	335	12	store	store	NOUN
emaj-238	335	13	brand	brand	NOUN
emaj-238	335	14	purchase	purchase	NOUN
emaj-238	335	15	intention	intention	NOUN
emaj-238	335	16	:	:	PUNCT
emaj-238	335	17	application	application	NOUN
emaj-238	335	18	to	to	ADP
emaj-238	335	19	an	an	DET
emaj-238	335	20	emerging	emerge	VERB
emaj-238	335	21	market	market	NOUN
emaj-238	335	22	.	.	PUNCT
emaj-238	336	1	journal	journal	NOUN
emaj-238	336	2	of	of	ADP
emaj-238	336	3	retailing	retailing	NOUN
emaj-238	336	4	and	and	CCONJ
emaj-238	336	5	consumer	consumer	NOUN
emaj-238	336	6	services	service	NOUN
emaj-238	336	7	,	,	PUNCT
emaj-238	336	8	19(3	19(3	NUM
emaj-238	336	9	)	)	PUNCT
emaj-238	336	10	,	,	PUNCT
emaj-238	336	11	360	360	NUM
emaj-238	336	12	-	-	SYM
emaj-238	336	13	367	367	NUM
emaj-238	336	14	.	.	PUNCT
emaj-238	337	1	dziwornu	dziwornu	PROPN
emaj-238	337	2	,	,	PUNCT
emaj-238	337	3	r.	r.	PROPN
emaj-238	337	4	k.	k.	PROPN
emaj-238	337	5	,	,	PUNCT
emaj-238	337	6	&	&	CCONJ
emaj-238	337	7	assefuah	assefuah	PROPN
emaj-238	337	8	,	,	PUNCT
emaj-238	337	9	k.	k.	PROPN
emaj-238	337	10	a.	a.	PROPN
emaj-238	337	11	(	(	PUNCT
emaj-238	337	12	2019	2019	NUM
emaj-238	337	13	)	)	PUNCT
emaj-238	337	14	.	.	PUNCT
emaj-238	338	1	are	be	AUX
emaj-238	338	2	poultry	poultry	NOUN
emaj-238	338	3	farmers	farmer	NOUN
emaj-238	338	4	willing	willing	ADJ
emaj-238	338	5	to	to	PART
emaj-238	338	6	insure	insure	VERB
emaj-238	338	7	their	their	PRON
emaj-238	338	8	farms	farm	NOUN
emaj-238	338	9	?	?	PUNCT
emaj-238	339	1	empirical	empirical	ADJ
emaj-238	339	2	evidence	evidence	NOUN
emaj-238	339	3	from	from	ADP
emaj-238	339	4	ghana	ghana	PROPN
emaj-238	339	5	.	.	PUNCT
emaj-238	340	1	managerial	managerial	ADJ
emaj-238	340	2	and	and	CCONJ
emaj-238	340	3	decision	decision	NOUN
emaj-238	340	4	economics	economic	NOUN
emaj-238	340	5	,	,	PUNCT
emaj-238	340	6	40(5	40(5	NOUN
emaj-238	340	7	)	)	PUNCT
emaj-238	340	8	,	,	PUNCT
emaj-238	340	9	530	530	NUM
emaj-238	340	10	-	-	SYM
emaj-238	340	11	538	538	NUM
emaj-238	340	12	.	.	PUNCT
emaj-238	341	1	eagly	eagly	ADV
emaj-238	341	2	,	,	PUNCT
emaj-238	341	3	a.	a.	PROPN
emaj-238	341	4	h.	h.	PROPN
emaj-238	341	5	,	,	PUNCT
emaj-238	341	6	&	&	CCONJ
emaj-238	341	7	chaiken	chaiken	PROPN
emaj-238	341	8	,	,	PUNCT
emaj-238	341	9	s.	s.	PROPN
emaj-238	341	10	(	(	PUNCT
emaj-238	341	11	2007	2007	NUM
emaj-238	341	12	)	)	PUNCT
emaj-238	341	13	.	.	PUNCT
emaj-238	342	1	the	the	DET
emaj-238	342	2	advantages	advantage	NOUN
emaj-238	342	3	of	of	ADP
emaj-238	342	4	an	an	DET
emaj-238	342	5	inclusive	inclusive	ADJ
emaj-238	342	6	definition	definition	NOUN
emaj-238	342	7	of	of	ADP
emaj-238	342	8	attitude	attitude	NOUN
emaj-238	342	9	.	.	PUNCT
emaj-238	343	1	social	social	ADJ
emaj-238	343	2	cognition	cognition	NOUN
emaj-238	343	3	,	,	PUNCT
emaj-238	343	4	25(5	25(5	NUM
emaj-238	343	5	)	)	PUNCT
emaj-238	343	6	,	,	PUNCT
emaj-238	343	7	582	582	NUM
emaj-238	343	8	-	-	SYM
emaj-238	343	9	602	602	NUM
emaj-238	343	10	.	.	PUNCT
emaj-238	344	1	ejye	ejye	PROPN
emaj-238	344	2	omar	omar	PROPN
emaj-238	344	3	,	,	PUNCT
emaj-238	344	4	o.	o.	PROPN
emaj-238	344	5	,	,	PUNCT
emaj-238	344	6	&	&	CCONJ
emaj-238	344	7	owusu	owusu	PROPN
emaj-238	344	8	-	-	PROPN
emaj-238	344	9	frimpong	frimpong	PROPN
emaj-238	344	10	,	,	PUNCT
emaj-238	344	11	n.	n.	NOUN
emaj-238	344	12	(	(	PUNCT
emaj-238	344	13	2007	2007	NUM
emaj-238	344	14	)	)	PUNCT
emaj-238	344	15	.	.	PUNCT
emaj-238	345	1	life	life	NOUN
emaj-238	345	2	insurance	insurance	NOUN
emaj-238	345	3	in	in	ADP
emaj-238	345	4	nigeria	nigeria	PROPN
emaj-238	345	5	:	:	PUNCT
emaj-238	345	6	an	an	DET
emaj-238	345	7	application	application	NOUN
emaj-238	345	8	of	of	ADP
emaj-238	345	9	the	the	DET
emaj-238	345	10	theory	theory	NOUN
emaj-238	345	11	of	of	ADP
emaj-238	345	12	reasoned	reason	VERB
emaj-238	345	13	action	action	NOUN
emaj-238	345	14	to	to	ADP
emaj-238	345	15	consumers	consumer	NOUN
emaj-238	345	16	'	'	PART
emaj-238	345	17	attitudes	attitude	NOUN
emaj-238	345	18	and	and	CCONJ
emaj-238	345	19	purchase	purchase	NOUN
emaj-238	345	20	intention	intention	NOUN
emaj-238	345	21	.	.	PUNCT
emaj-238	346	1	the	the	DET
emaj-238	346	2	service	service	NOUN
emaj-238	346	3	industries	industry	NOUN
emaj-238	346	4	journal	journal	NOUN
emaj-238	346	5	,	,	PUNCT
emaj-238	346	6	27(7	27(7	PROPN
emaj-238	346	7	)	)	PUNCT
emaj-238	346	8	,	,	PUNCT
emaj-238	346	9	963	963	NUM
emaj-238	346	10	-	-	SYM
emaj-238	346	11	976	976	NUM
emaj-238	346	12	.	.	PUNCT
emaj-238	347	1	falcon	falcon	PROPN
emaj-238	347	2	,	,	PUNCT
emaj-238	347	3	e.	e.	PROPN
emaj-238	347	4	,	,	PUNCT
emaj-238	347	5	laroche	laroche	PROPN
emaj-238	347	6	,	,	PUNCT
emaj-238	347	7	c.	c.	PROPN
emaj-238	347	8	,	,	PUNCT
emaj-238	347	9	fauve	fauve	PROPN
emaj-238	347	10	,	,	PUNCT
emaj-238	347	11	s.	s.	PROPN
emaj-238	347	12	,	,	PUNCT
emaj-238	347	13	&	&	CCONJ
emaj-238	347	14	coste	coste	PROPN
emaj-238	347	15	,	,	PUNCT
emaj-238	347	16	c.	c.	NOUN
emaj-238	347	17	(	(	PUNCT
emaj-238	347	18	1998	1998	NUM
emaj-238	347	19	)	)	PUNCT
emaj-238	347	20	.	.	PUNCT
emaj-238	348	1	behavior	behavior	NOUN
emaj-238	348	2	of	of	ADP
emaj-238	348	3	one	one	NUM
emaj-238	348	4	inelastic	inelastic	ADJ
emaj-238	348	5	ball	ball	NOUN
emaj-238	348	6	bouncing	bounce	VERB
emaj-238	348	7	repeatedly	repeatedly	ADV
emaj-238	348	8	off	off	ADP
emaj-238	348	9	the	the	DET
emaj-238	348	10	ground	ground	NOUN
emaj-238	348	11	.	.	PUNCT
emaj-238	349	1	the	the	DET
emaj-238	349	2	european	european	PROPN
emaj-238	349	3	physical	physical	PROPN
emaj-238	349	4	journal	journal	PROPN
emaj-238	349	5	b	b	X
emaj-238	349	6	-	-	PUNCT
emaj-238	349	7	condensed	condense	VERB
emaj-238	349	8	matter	matter	NOUN
emaj-238	349	9	and	and	CCONJ
emaj-238	349	10	complex	complex	ADJ
emaj-238	349	11	systems	system	NOUN
emaj-238	349	12	,	,	PUNCT
emaj-238	349	13	3(1	3(1	NUM
emaj-238	349	14	)	)	PUNCT
emaj-238	349	15	,	,	PUNCT
emaj-238	349	16	45	45	NUM
emaj-238	349	17	-	-	SYM
emaj-238	349	18	57	57	NUM
emaj-238	349	19	.	.	PUNCT
emaj-238	350	1	fishbein	fishbein	PROPN
emaj-238	350	2	,	,	PUNCT
emaj-238	350	3	m.	m.	NOUN
emaj-238	350	4	(	(	PUNCT
emaj-238	350	5	1990	1990	NUM
emaj-238	350	6	)	)	PUNCT
emaj-238	350	7	.	.	PUNCT
emaj-238	351	1	aids	aid	NOUN
emaj-238	351	2	and	and	CCONJ
emaj-238	351	3	behavior	behavior	NOUN
emaj-238	351	4	change	change	NOUN
emaj-238	351	5	:	:	PUNCT
emaj-238	351	6	an	an	DET
emaj-238	351	7	analysis	analysis	NOUN
emaj-238	351	8	based	base	VERB
emaj-238	351	9	on	on	ADP
emaj-238	351	10	the	the	DET
emaj-238	351	11	theory	theory	NOUN
emaj-238	351	12	of	of	ADP
emaj-238	351	13	reasoned	reason	VERB
emaj-238	351	14	action	action	NOUN
emaj-238	351	15	.	.	PUNCT
emaj-238	352	1	revista	revista	PROPN
emaj-238	352	2	interamericana	interamericana	PROPN
emaj-238	352	3	de	de	X
emaj-238	352	4	psicología	psicología	PROPN
emaj-238	352	5	.	.	PROPN
emaj-238	352	6	ghalandari	ghalandari	PROPN
emaj-238	352	7	,	,	PUNCT
emaj-238	352	8	k.	k.	PROPN
emaj-238	352	9	,	,	PUNCT
emaj-238	352	10	&	&	CCONJ
emaj-238	352	11	norouzi	norouzi	PROPN
emaj-238	352	12	,	,	PUNCT
emaj-238	352	13	a.	a.	NOUN
emaj-238	352	14	(	(	PUNCT
emaj-238	352	15	2012	2012	NUM
emaj-238	352	16	)	)	PUNCT
emaj-238	352	17	.	.	PUNCT
emaj-238	353	1	the	the	DET
emaj-238	353	2	effect	effect	NOUN
emaj-238	353	3	of	of	ADP
emaj-238	353	4	country	country	NOUN
emaj-238	353	5	of	of	ADP
emaj-238	353	6	origin	origin	NOUN
emaj-238	353	7	on	on	ADP
emaj-238	353	8	purchase	purchase	NOUN
emaj-238	353	9	intention	intention	NOUN
emaj-238	353	10	:	:	PUNCT
emaj-238	353	11	the	the	DET
emaj-238	353	12	role	role	NOUN
emaj-238	353	13	of	of	ADP
emaj-238	353	14	product	product	NOUN
emaj-238	353	15	knowledge	knowledge	NOUN
emaj-238	353	16	.	.	PUNCT
emaj-238	354	1	research	research	NOUN
emaj-238	354	2	journal	journal	PROPN
emaj-238	354	3	of	of	ADP
emaj-238	354	4	applied	apply	VERB
emaj-238	354	5	sciences	science	NOUN
emaj-238	354	6	,	,	PUNCT
emaj-238	354	7	engineering	engineering	NOUN
emaj-238	354	8	and	and	CCONJ
emaj-238	354	9	technology	technology	NOUN
emaj-238	354	10	,	,	PUNCT
emaj-238	354	11	4(9	4(9	NUM
emaj-238	354	12	)	)	PUNCT
emaj-238	354	13	,	,	PUNCT
emaj-238	354	14	1166	1166	NUM
emaj-238	354	15	-	-	SYM
emaj-238	354	16	1171	1171	NUM
emaj-238	354	17	.	.	PUNCT
emaj-238	355	1	ghani	ghani	PROPN
emaj-238	355	2	,	,	PUNCT
emaj-238	355	3	w.	w.	PROPN
emaj-238	355	4	a.	a.	PROPN
emaj-238	355	5	w.	w.	PROPN
emaj-238	355	6	a.	a.	PROPN
emaj-238	355	7	k.	k.	PROPN
emaj-238	355	8	,	,	PUNCT
emaj-238	355	9	rusli	rusli	PROPN
emaj-238	355	10	,	,	PUNCT
emaj-238	355	11	i.	i.	PROPN
emaj-238	355	12	f.	f.	PROPN
emaj-238	355	13	,	,	PUNCT
emaj-238	355	14	biak	biak	PROPN
emaj-238	355	15	,	,	PUNCT
emaj-238	355	16	d.	d.	PROPN
emaj-238	355	17	r.	r.	PROPN
emaj-238	355	18	a.	a.	PROPN
emaj-238	355	19	,	,	PUNCT
emaj-238	355	20	&	&	CCONJ
emaj-238	355	21	idris	idris	PROPN
emaj-238	355	22	,	,	PUNCT
emaj-238	355	23	a.	a.	PROPN
emaj-238	355	24	(	(	PUNCT
emaj-238	355	25	2013	2013	NUM
emaj-238	355	26	)	)	PUNCT
emaj-238	355	27	.	.	PUNCT
emaj-238	356	1	an	an	DET
emaj-238	356	2	application	application	NOUN
emaj-238	356	3	of	of	ADP
emaj-238	356	4	the	the	DET
emaj-238	356	5	theory	theory	NOUN
emaj-238	356	6	of	of	ADP
emaj-238	356	7	planned	plan	VERB
emaj-238	356	8	behaviour	behaviour	NOUN
emaj-238	356	9	to	to	PART
emaj-238	356	10	study	study	VERB
emaj-238	356	11	the	the	DET
emaj-238	356	12	influencing	influence	VERB
emaj-238	356	13	factors	factor	NOUN
emaj-238	356	14	of	of	ADP
emaj-238	356	15	participation	participation	NOUN
emaj-238	356	16	in	in	ADP
emaj-238	356	17	source	source	NOUN
emaj-238	356	18	separation	separation	NOUN
emaj-238	356	19	of	of	ADP
emaj-238	356	20	food	food	NOUN
emaj-238	356	21	waste	waste	NOUN
emaj-238	356	22	.	.	PUNCT
emaj-238	357	1	waste	waste	NOUN
emaj-238	357	2	management	management	NOUN
emaj-238	357	3	,	,	PUNCT
emaj-238	357	4	33(5	33(5	NUM
emaj-238	357	5	)	)	PUNCT
emaj-238	357	6	,	,	PUNCT
emaj-238	357	7	12761281	12761281	NUM
emaj-238	357	8	.	.	PUNCT
emaj-238	358	1	goldmann	goldmann	PROPN
emaj-238	358	2	,	,	PUNCT
emaj-238	358	3	f.	f.	PROPN
emaj-238	358	4	(	(	PUNCT
emaj-238	358	5	1948	1948	NUM
emaj-238	358	6	)	)	PUNCT
emaj-238	358	7	.	.	PUNCT
emaj-238	359	1	labor	labor	NOUN
emaj-238	359	2	's	's	PART
emaj-238	359	3	attitude	attitude	NOUN
emaj-238	359	4	toward	toward	ADP
emaj-238	359	5	health	health	NOUN
emaj-238	359	6	insurance	insurance	NOUN
emaj-238	359	7	.	.	PUNCT
emaj-238	360	1	ilr	ilr	PROPN
emaj-238	360	2	review	review	PROPN
emaj-238	360	3	,	,	PUNCT
emaj-238	360	4	2(1	2(1	NUM
emaj-238	360	5	)	)	PUNCT
emaj-238	360	6	,	,	PUNCT
emaj-238	360	7	90	90	NUM
emaj-238	360	8	-	-	SYM
emaj-238	360	9	98	98	NUM
emaj-238	360	10	.	.	PUNCT
emaj-238	361	1	heselmans	heselman	NOUN
emaj-238	361	2	,	,	PUNCT
emaj-238	361	3	a.	a.	NOUN
emaj-238	361	4	,	,	PUNCT
emaj-238	361	5	van	van	PROPN
emaj-238	361	6	de	de	PROPN
emaj-238	361	7	velde	velde	PROPN
emaj-238	361	8	,	,	PUNCT
emaj-238	361	9	s.	s.	PROPN
emaj-238	361	10	,	,	PUNCT
emaj-238	361	11	donceel	donceel	NOUN
emaj-238	361	12	,	,	PUNCT
emaj-238	361	13	p.	p.	PROPN
emaj-238	361	14	,	,	PUNCT
emaj-238	361	15	aertgeerts	aertgeert	NOUN
emaj-238	361	16	,	,	PUNCT
emaj-238	361	17	b.	b.	PROPN
emaj-238	361	18	,	,	PUNCT
emaj-238	361	19	&	&	CCONJ
emaj-238	361	20	ramaekers	ramaeker	NOUN
emaj-238	361	21	,	,	PUNCT
emaj-238	361	22	d.	d.	PROPN
emaj-238	361	23	(	(	PUNCT
emaj-238	361	24	2009	2009	NUM
emaj-238	361	25	)	)	PUNCT
emaj-238	361	26	.	.	PUNCT
emaj-238	362	1	effectiveness	effectiveness	NOUN
emaj-238	362	2	of	of	ADP
emaj-238	362	3	electronic	electronic	ADJ
emaj-238	362	4	guideline	guideline	NOUN
emaj-238	362	5	-	-	PUNCT
emaj-238	362	6	based	base	VERB
emaj-238	362	7	implementation	implementation	NOUN
emaj-238	362	8	systems	system	NOUN
emaj-238	362	9	in	in	ADP
emaj-238	362	10	ambulatory	ambulatory	ADJ
emaj-238	362	11	care	care	NOUN
emaj-238	362	12	settings	setting	NOUN
emaj-238	362	13	-	-	PUNCT
emaj-238	362	14	a	a	DET
emaj-238	362	15	systematic	systematic	ADJ
emaj-238	362	16	review	review	NOUN
emaj-238	362	17	.	.	PUNCT
emaj-238	363	1	implementation	implementation	NOUN
emaj-238	363	2	science	science	NOUN
emaj-238	363	3	,	,	PUNCT
emaj-238	363	4	4(1	4(1	NOUN
emaj-238	363	5	)	)	PUNCT
emaj-238	363	6	,	,	PUNCT
emaj-238	363	7	1	1	NUM
emaj-238	363	8	-	-	SYM
emaj-238	363	9	12	12	NUM
emaj-238	363	10	.	.	PUNCT
emaj-238	364	1	hofstede	hofstede	PROPN
emaj-238	364	2	,	,	PUNCT
emaj-238	364	3	g.	g.	PROPN
emaj-238	364	4	(	(	PUNCT
emaj-238	364	5	2011	2011	NUM
emaj-238	364	6	)	)	PUNCT
emaj-238	364	7	.	.	PUNCT
emaj-238	365	1	dimensionalizing	dimensionalize	VERB
emaj-238	365	2	cultures	culture	NOUN
emaj-238	365	3	:	:	PUNCT
emaj-238	365	4	the	the	DET
emaj-238	365	5	hofstede	hofstede	NOUN
emaj-238	365	6	model	model	NOUN
emaj-238	365	7	in	in	ADP
emaj-238	365	8	context	context	NOUN
emaj-238	365	9	.	.	PUNCT
emaj-238	366	1	online	online	ADJ
emaj-238	366	2	readings	reading	NOUN
emaj-238	366	3	in	in	ADP
emaj-238	366	4	psychology	psychology	NOUN
emaj-238	366	5	and	and	CCONJ
emaj-238	366	6	culture	culture	NOUN
emaj-238	366	7	,	,	PUNCT
emaj-238	366	8	2(1	2(1	NUM
emaj-238	366	9	)	)	PUNCT
emaj-238	366	10	,	,	PUNCT
emaj-238	366	11	2307	2307	NUM
emaj-238	366	12	-	-	SYM
emaj-238	366	13	0919	0919	NUM
emaj-238	366	14	.	.	PUNCT
emaj-238	367	1	hogarth	hogarth	PROPN
emaj-238	367	2	,	,	PUNCT
emaj-238	367	3	r.	r.	PROPN
emaj-238	367	4	m.	m.	PROPN
emaj-238	367	5	,	,	PUNCT
emaj-238	367	6	&	&	CCONJ
emaj-238	367	7	kunreuther	kunreuther	PROPN
emaj-238	367	8	,	,	PUNCT
emaj-238	367	9	h.	h.	PROPN
emaj-238	367	10	(	(	PUNCT
emaj-238	367	11	1985	1985	NUM
emaj-238	367	12	)	)	PUNCT
emaj-238	367	13	.	.	PUNCT
emaj-238	368	1	ambiguity	ambiguity	NOUN
emaj-238	368	2	and	and	CCONJ
emaj-238	368	3	insurance	insurance	NOUN
emaj-238	368	4	decisions	decision	NOUN
emaj-238	368	5	.	.	PUNCT
emaj-238	369	1	the	the	DET
emaj-238	369	2	american	american	PROPN
emaj-238	369	3	economic	economic	PROPN
emaj-238	369	4	review	review	PROPN
emaj-238	369	5	,	,	PUNCT
emaj-238	369	6	75(2	75(2	NUM
emaj-238	369	7	)	)	PUNCT
emaj-238	369	8	,	,	PUNCT
emaj-238	369	9	386	386	NUM
emaj-238	369	10	-	-	SYM
emaj-238	369	11	390	390	NUM
emaj-238	369	12	.	.	PUNCT
emaj-238	370	1	hong	hong	PROPN
emaj-238	370	2	,	,	PUNCT
emaj-238	370	3	l.	l.	PROPN
emaj-238	370	4	,	,	PUNCT
emaj-238	370	5	yao	yao	PROPN
emaj-238	370	6	,	,	PUNCT
emaj-238	370	7	l.	l.	PROPN
emaj-238	370	8	,	,	PUNCT
emaj-238	370	9	xie	xie	PROPN
emaj-238	370	10	,	,	PUNCT
emaj-238	370	11	p.	p.	PROPN
emaj-238	370	12	,	,	PUNCT
emaj-238	370	13	&	&	CCONJ
emaj-238	370	14	li	li	PROPN
emaj-238	370	15	,	,	PUNCT
emaj-238	370	16	w.	w.	PROPN
emaj-238	370	17	(	(	PUNCT
emaj-238	370	18	2020	2020	NUM
emaj-238	370	19	)	)	PUNCT
emaj-238	370	20	.	.	PUNCT
emaj-238	371	1	an	an	DET
emaj-238	371	2	empirical	empirical	ADJ
emaj-238	371	3	study	study	NOUN
emaj-238	371	4	on	on	ADP
emaj-238	371	5	consumer	consumer	NOUN
emaj-238	371	6	purchase	purchase	NOUN
emaj-238	371	7	intention	intention	NOUN
emaj-238	371	8	for	for	ADP
emaj-238	371	9	nuts	nut	NOUN
emaj-238	371	10	and	and	CCONJ
emaj-238	371	11	influencing	influence	VERB
emaj-238	371	12	factors	factor	NOUN
emaj-238	371	13	—	—	PUNCT
emaj-238	371	14	survey	survey	NOUN
emaj-238	371	15	based	base	VERB
emaj-238	371	16	on	on	ADP
emaj-238	371	17	consumers	consumer	NOUN
emaj-238	371	18	from	from	ADP
emaj-238	371	19	zhejiang	zhejiang	PROPN
emaj-238	371	20	.	.	PUNCT
emaj-238	371	21	food	food	PROPN
emaj-238	371	22	control	control	PROPN
emaj-238	371	23	,	,	PUNCT
emaj-238	371	24	117	117	NUM
emaj-238	371	25	,	,	PUNCT
emaj-238	371	26	107343	107343	NUM
emaj-238	371	27	.	.	PUNCT
emaj-238	372	1	kacen	kacen	PROPN
emaj-238	372	2	,	,	PUNCT
emaj-238	372	3	j.	j.	PROPN
emaj-238	372	4	j.	j.	PROPN
emaj-238	372	5	,	,	PUNCT
emaj-238	372	6	&	&	CCONJ
emaj-238	372	7	lee	lee	PROPN
emaj-238	372	8	,	,	PUNCT
emaj-238	372	9	j.	j.	PROPN
emaj-238	372	10	a.	a.	PROPN
emaj-238	372	11	(	(	PUNCT
emaj-238	372	12	2002	2002	NUM
emaj-238	372	13	)	)	PUNCT
emaj-238	372	14	.	.	PUNCT
emaj-238	373	1	the	the	DET
emaj-238	373	2	influence	influence	NOUN
emaj-238	373	3	of	of	ADP
emaj-238	373	4	culture	culture	NOUN
emaj-238	373	5	on	on	ADP
emaj-238	373	6	consumer	consumer	NOUN
emaj-238	373	7	impulsive	impulsive	ADJ
emaj-238	373	8	buying	buying	NOUN
emaj-238	373	9	behavior	behavior	NOUN
emaj-238	373	10	.	.	PUNCT
emaj-238	374	1	journal	journal	PROPN
emaj-238	374	2	of	of	ADP
emaj-238	374	3	consumer	consumer	NOUN
emaj-238	374	4	psychology	psychology	NOUN
emaj-238	374	5	,	,	PUNCT
emaj-238	374	6	12(2	12(2	NUM
emaj-238	374	7	)	)	PUNCT
emaj-238	374	8	,	,	PUNCT
emaj-238	374	9	163176	163176	NUM
emaj-238	374	10	.	.	PUNCT
emaj-238	375	1	kanagaretnam	kanagaretnam	PROPN
emaj-238	375	2	,	,	PUNCT
emaj-238	375	3	k.	k.	PROPN
emaj-238	375	4	,	,	PUNCT
emaj-238	375	5	lim	lim	PROPN
emaj-238	375	6	,	,	PUNCT
emaj-238	375	7	c.	c.	PROPN
emaj-238	375	8	y.	y.	PROPN
emaj-238	375	9	,	,	PUNCT
emaj-238	375	10	&	&	CCONJ
emaj-238	375	11	lobo	lobo	PROPN
emaj-238	375	12	,	,	PUNCT
emaj-238	375	13	g.	g.	PROPN
emaj-238	375	14	j.	j.	PROPN
emaj-238	375	15	(	(	PUNCT
emaj-238	375	16	2014	2014	NUM
emaj-238	375	17	)	)	PUNCT
emaj-238	375	18	.	.	PUNCT
emaj-238	376	1	influence	influence	NOUN
emaj-238	376	2	of	of	ADP
emaj-238	376	3	national	national	ADJ
emaj-238	376	4	culture	culture	NOUN
emaj-238	376	5	on	on	ADP
emaj-238	376	6	accounting	account	VERB
emaj-238	376	7	conservatism	conservatism	NOUN
emaj-238	376	8	and	and	CCONJ
emaj-238	376	9	risk	risk	NOUN
emaj-238	376	10	-	-	PUNCT
emaj-238	376	11	taking	taking	NOUN
emaj-238	376	12	in	in	ADP
emaj-238	376	13	the	the	DET
emaj-238	376	14	banking	banking	NOUN
emaj-238	376	15	industry	industry	NOUN
emaj-238	376	16	.	.	PUNCT
emaj-238	377	1	the	the	DET
emaj-238	377	2	accounting	accounting	NOUN
emaj-238	377	3	review	review	NOUN
emaj-238	377	4	,	,	PUNCT
emaj-238	377	5	89(3	89(3	NUM
emaj-238	377	6	)	)	PUNCT
emaj-238	377	7	,	,	PUNCT
emaj-238	377	8	11151149	11151149	NUM
emaj-238	377	9	.	.	PUNCT
emaj-238	378	1	karolyi	karolyi	PROPN
emaj-238	378	2	,	,	PUNCT
emaj-238	378	3	g.	g.	PROPN
emaj-238	378	4	a.	a.	PROPN
emaj-238	378	5	(	(	PUNCT
emaj-238	378	6	2016	2016	NUM
emaj-238	378	7	)	)	PUNCT
emaj-238	378	8	.	.	PUNCT
emaj-238	379	1	the	the	DET
emaj-238	379	2	gravity	gravity	NOUN
emaj-238	379	3	of	of	ADP
emaj-238	379	4	culture	culture	NOUN
emaj-238	379	5	for	for	ADP
emaj-238	379	6	finance	finance	NOUN
emaj-238	379	7	.	.	PUNCT
emaj-238	380	1	journal	journal	NOUN
emaj-238	380	2	of	of	ADP
emaj-238	380	3	corporate	corporate	ADJ
emaj-238	380	4	finance	finance	NOUN
emaj-238	380	5	,	,	PUNCT
emaj-238	380	6	41	41	NUM
emaj-238	380	7	,	,	PUNCT
emaj-238	380	8	610	610	NUM
emaj-238	380	9	-	-	SYM
emaj-238	380	10	625	625	NUM
emaj-238	380	11	.	.	PUNCT
emaj-238	381	1	volume	volume	NOUN
emaj-238	381	2	12	12	NUM
emaj-238	381	3	no	no	DET
emaj-238	381	4	1	1	NUM
emaj-238	381	5	(	(	PUNCT
emaj-238	381	6	2022	2022	NUM
emaj-238	381	7	)	)	PUNCT
emaj-238	381	8	|	|	ADV
emaj-238	381	9	issn	issn	VERB
emaj-238	381	10	2158	2158	NUM
emaj-238	381	11	-	-	SYM
emaj-238	381	12	8708	8708	NUM
emaj-238	381	13	(	(	PUNCT
emaj-238	381	14	online	online	NOUN
emaj-238	381	15	)	)	PUNCT
emaj-238	381	16	|	|	ADV
emaj-238	381	17	doi	doi	X
emaj-238	381	18	10.5195	10.5195	NUM
emaj-238	381	19	/	/	SYM
emaj-238	381	20	emaj.2022.238	emaj.2022.238	NOUN
emaj-238	381	21	|	|	NOUN
emaj-238	381	22	http://emaj.pitt.edu	http://emaj.pitt.edu	PROPN
emaj-238	381	23	francis	francis	PROPN
emaj-238	381	24	osei	osei	PROPN
emaj-238	381	25	,	,	PUNCT
emaj-238	381	26	christian	christian	PROPN
emaj-238	381	27	narh	narh	NOUN
emaj-238	381	28	opata	opata	NOUN
emaj-238	381	29	,	,	PUNCT
emaj-238	381	30	collins	collins	PROPN
emaj-238	381	31	kankam	kankam	PROPN
emaj-238	381	32	-	-	PUNCT
emaj-238	381	33	kwarteng	kwarteng	PROPN
emaj-238	381	34	,	,	PUNCT
emaj-238	381	35	daniel	daniel	PROPN
emaj-238	381	36	ofori	ofori	ADV
emaj-238	381	37	emerging	emerge	VERB
emaj-238	381	38	markets	market	NOUN
emaj-238	381	39	journal	journal	NOUN
emaj-238	382	1	|	|	ADV
emaj-238	382	2	p	p	NOUN
emaj-238	382	3	a	a	DET
emaj-238	382	4	g	g	NOUN
emaj-238	382	5	e	e	NOUN
emaj-238	382	6	2	2	NUM
emaj-238	382	7	3	3	NUM
emaj-238	382	8	kim	kim	PROPN
emaj-238	382	9	,	,	PUNCT
emaj-238	382	10	s.	s.	PROPN
emaj-238	382	11	,	,	PUNCT
emaj-238	382	12	whitford	whitford	PROPN
emaj-238	382	13	,	,	PUNCT
emaj-238	382	14	m.	m.	NOUN
emaj-238	382	15	,	,	PUNCT
emaj-238	382	16	&	&	CCONJ
emaj-238	382	17	arcodia	arcodia	PROPN
emaj-238	382	18	,	,	PUNCT
emaj-238	382	19	c.	c.	NOUN
emaj-238	382	20	(	(	PUNCT
emaj-238	382	21	2019	2019	NUM
emaj-238	382	22	)	)	PUNCT
emaj-238	382	23	.	.	PUNCT
emaj-238	383	1	development	development	NOUN
emaj-238	383	2	of	of	ADP
emaj-238	383	3	intangible	intangible	ADJ
emaj-238	383	4	cultural	cultural	ADJ
emaj-238	383	5	heritage	heritage	NOUN
emaj-238	383	6	as	as	ADP
emaj-238	383	7	a	a	DET
emaj-238	383	8	sustainable	sustainable	ADJ
emaj-238	383	9	tourism	tourism	NOUN
emaj-238	383	10	resource	resource	NOUN
emaj-238	383	11	:	:	PUNCT
emaj-238	383	12	the	the	DET
emaj-238	383	13	intangible	intangible	ADJ
emaj-238	383	14	cultural	cultural	ADJ
emaj-238	383	15	heritage	heritage	NOUN
emaj-238	383	16	practitioners	practitioner	NOUN
emaj-238	383	17	’	'	PUNCT
emaj-238	383	18	perspectives	perspective	NOUN
emaj-238	383	19	.	.	PUNCT
emaj-238	384	1	journal	journal	NOUN
emaj-238	384	2	of	of	ADP
emaj-238	384	3	heritage	heritage	NOUN
emaj-238	384	4	tourism	tourism	NOUN
emaj-238	384	5	,	,	PUNCT
emaj-238	384	6	14(5	14(5	NUM
emaj-238	384	7	-	-	PUNCT
emaj-238	384	8	6	6	NUM
emaj-238	384	9	)	)	PUNCT
emaj-238	384	10	,	,	PUNCT
emaj-238	384	11	422	422	NUM
emaj-238	384	12	-	-	SYM
emaj-238	384	13	435	435	NUM
emaj-238	384	14	.	.	PUNCT
emaj-238	385	1	kim	kim	PROPN
emaj-238	385	2	,	,	PUNCT
emaj-238	385	3	y.	y.	PROPN
emaj-238	385	4	,	,	PUNCT
emaj-238	385	5	&	&	CCONJ
emaj-238	385	6	han	han	PROPN
emaj-238	385	7	,	,	PUNCT
emaj-238	385	8	h.	h.	PROPN
emaj-238	385	9	(	(	PUNCT
emaj-238	385	10	2010	2010	NUM
emaj-238	385	11	)	)	PUNCT
emaj-238	385	12	.	.	PUNCT
emaj-238	386	1	intention	intention	NOUN
emaj-238	386	2	to	to	PART
emaj-238	386	3	pay	pay	VERB
emaj-238	386	4	conventionalhotel	conventionalhotel	NOUN
emaj-238	386	5	prices	price	NOUN
emaj-238	386	6	at	at	ADP
emaj-238	386	7	a	a	DET
emaj-238	386	8	green	green	ADJ
emaj-238	386	9	hotel	hotel	NOUN
emaj-238	386	10	–	–	PUNCT
emaj-238	386	11	a	a	DET
emaj-238	386	12	modification	modification	NOUN
emaj-238	386	13	of	of	ADP
emaj-238	386	14	the	the	DET
emaj-238	386	15	theory	theory	NOUN
emaj-238	386	16	of	of	ADP
emaj-238	386	17	planned	plan	VERB
emaj-238	386	18	behavior	behavior	NOUN
emaj-238	386	19	.	.	PUNCT
emaj-238	387	1	journal	journal	NOUN
emaj-238	387	2	of	of	ADP
emaj-238	387	3	sustainable	sustainable	ADJ
emaj-238	387	4	tourism	tourism	NOUN
emaj-238	387	5	,	,	PUNCT
emaj-238	387	6	18(8	18(8	NUM
emaj-238	387	7	)	)	PUNCT
emaj-238	387	8	,	,	PUNCT
emaj-238	387	9	997	997	NUM
emaj-238	387	10	-	-	SYM
emaj-238	387	11	1014	1014	NUM
emaj-238	387	12	.	.	PUNCT
emaj-238	388	1	kolar	kolar	PROPN
emaj-238	388	2	,	,	PUNCT
emaj-238	388	3	t.	t.	PROPN
emaj-238	388	4	,	,	PUNCT
emaj-238	388	5	&	&	CCONJ
emaj-238	388	6	zabkar	zabkar	PROPN
emaj-238	388	7	,	,	PUNCT
emaj-238	388	8	v.	v.	PROPN
emaj-238	388	9	(	(	PUNCT
emaj-238	388	10	2010	2010	NUM
emaj-238	388	11	)	)	PUNCT
emaj-238	388	12	.	.	PUNCT
emaj-238	389	1	a	a	DET
emaj-238	389	2	consumer	consumer	NOUN
emaj-238	389	3	-	-	PUNCT
emaj-238	389	4	based	base	VERB
emaj-238	389	5	model	model	NOUN
emaj-238	389	6	of	of	ADP
emaj-238	389	7	authenticity	authenticity	NOUN
emaj-238	389	8	:	:	PUNCT
emaj-238	389	9	an	an	DET
emaj-238	389	10	oxymoron	oxymoron	NOUN
emaj-238	389	11	or	or	CCONJ
emaj-238	389	12	the	the	DET
emaj-238	389	13	foundation	foundation	NOUN
emaj-238	389	14	of	of	ADP
emaj-238	389	15	cultural	cultural	ADJ
emaj-238	389	16	heritage	heritage	NOUN
emaj-238	389	17	marketing	marketing	NOUN
emaj-238	389	18	?	?	PUNCT
emaj-238	389	19	.	.	PUNCT
emaj-238	390	1	tourism	tourism	NOUN
emaj-238	390	2	management	management	NOUN
emaj-238	390	3	,	,	PUNCT
emaj-238	390	4	31(5	31(5	NUM
emaj-238	390	5	)	)	PUNCT
emaj-238	390	6	,	,	PUNCT
emaj-238	390	7	652	652	NUM
emaj-238	390	8	-	-	SYM
emaj-238	390	9	664	664	NUM
emaj-238	390	10	.	.	PUNCT
emaj-238	390	11	kotler	kotler	NOUN
emaj-238	390	12	,	,	PUNCT
emaj-238	390	13	p.	p.	PROPN
emaj-238	390	14	,	,	PUNCT
emaj-238	390	15	&	&	CCONJ
emaj-238	390	16	keller	keller	PROPN
emaj-238	390	17	,	,	PUNCT
emaj-238	390	18	k.	k.	PROPN
emaj-238	390	19	(	(	PUNCT
emaj-238	390	20	2005	2005	NUM
emaj-238	390	21	)	)	PUNCT
emaj-238	390	22	.	.	PUNCT
emaj-238	391	1	marketing	marketing	NOUN
emaj-238	391	2	[	[	X
emaj-238	391	3	marketing	marketing	NOUN
emaj-238	391	4	]	]	PUNCT
emaj-238	391	5	.	.	PUNCT
emaj-238	392	1	poznań	poznań	NOUN
emaj-238	392	2	:	:	PUNCT
emaj-238	392	3	rebis	rebis	NOUN
emaj-238	392	4	.	.	PUNCT
emaj-238	393	1	kurland	kurland	PROPN
emaj-238	393	2	,	,	PUNCT
emaj-238	393	3	n.	n.	PROPN
emaj-238	393	4	b.	b.	PROPN
emaj-238	393	5	(	(	PUNCT
emaj-238	393	6	1995	1995	NUM
emaj-238	393	7	)	)	PUNCT
emaj-238	393	8	.	.	PUNCT
emaj-238	394	1	ethical	ethical	ADJ
emaj-238	394	2	intentions	intention	NOUN
emaj-238	394	3	and	and	CCONJ
emaj-238	394	4	the	the	DET
emaj-238	394	5	theories	theory	NOUN
emaj-238	394	6	of	of	ADP
emaj-238	394	7	reasoned	reasoned	ADJ
emaj-238	394	8	action	action	NOUN
emaj-238	394	9	and	and	CCONJ
emaj-238	394	10	planned	plan	VERB
emaj-238	394	11	behavior	behavior	NOUN
emaj-238	394	12	1	1	NUM
emaj-238	394	13	.	.	PUNCT
emaj-238	394	14	journal	journal	NOUN
emaj-238	394	15	of	of	ADP
emaj-238	394	16	applied	apply	VERB
emaj-238	394	17	social	social	ADJ
emaj-238	394	18	psychology	psychology	NOUN
emaj-238	394	19	,	,	PUNCT
emaj-238	394	20	25(4	25(4	NOUN
emaj-238	394	21	)	)	PUNCT
emaj-238	394	22	,	,	PUNCT
emaj-238	394	23	297	297	NUM
emaj-238	394	24	-	-	SYM
emaj-238	394	25	313	313	NUM
emaj-238	394	26	.	.	PUNCT
emaj-238	395	1	laroche	laroche	PROPN
emaj-238	395	2	,	,	PUNCT
emaj-238	395	3	l.	l.	PROPN
emaj-238	395	4	(	(	PUNCT
emaj-238	395	5	2012	2012	NUM
emaj-238	395	6	)	)	PUNCT
emaj-238	395	7	.	.	PUNCT
emaj-238	396	1	managing	manage	VERB
emaj-238	396	2	cultural	cultural	ADJ
emaj-238	396	3	diversity	diversity	NOUN
emaj-238	396	4	in	in	ADP
emaj-238	396	5	technical	technical	ADJ
emaj-238	396	6	professions	profession	NOUN
emaj-238	396	7	.	.	PUNCT
emaj-238	397	1	routledge	routledge	PROPN
emaj-238	397	2	.	.	PUNCT
emaj-238	398	1	lee	lee	PROPN
emaj-238	398	2	,	,	PUNCT
emaj-238	398	3	e.	e.	PROPN
emaj-238	398	4	b.	b.	PROPN
emaj-238	398	5	,	,	PUNCT
emaj-238	398	6	lee	lee	PROPN
emaj-238	398	7	,	,	PUNCT
emaj-238	398	8	s.	s.	PROPN
emaj-238	398	9	g.	g.	PROPN
emaj-238	398	10	,	,	PUNCT
emaj-238	398	11	&	&	CCONJ
emaj-238	398	12	yang	yang	PROPN
emaj-238	398	13	,	,	PUNCT
emaj-238	398	14	c.	c.	PROPN
emaj-238	398	15	g.	g.	PROPN
emaj-238	398	16	(	(	PUNCT
emaj-238	398	17	2017	2017	NUM
emaj-238	398	18	)	)	PUNCT
emaj-238	398	19	.	.	PUNCT
emaj-238	399	1	the	the	DET
emaj-238	399	2	influences	influence	NOUN
emaj-238	399	3	of	of	ADP
emaj-238	399	4	advertisement	advertisement	NOUN
emaj-238	399	5	attitude	attitude	NOUN
emaj-238	399	6	and	and	CCONJ
emaj-238	399	7	brand	brand	NOUN
emaj-238	399	8	attitude	attitude	NOUN
emaj-238	399	9	on	on	ADP
emaj-238	399	10	purchase	purchase	NOUN
emaj-238	399	11	intention	intention	NOUN
emaj-238	399	12	of	of	ADP
emaj-238	399	13	smartphone	smartphone	NOUN
emaj-238	399	14	advertising	advertising	NOUN
emaj-238	399	15	.	.	PUNCT
emaj-238	400	1	industrial	industrial	ADJ
emaj-238	400	2	management	management	PROPN
emaj-238	400	3	&	&	CCONJ
emaj-238	400	4	data	datum	NOUN
emaj-238	400	5	systems	system	NOUN
emaj-238	400	6	.	.	PUNCT
emaj-238	401	1	loh	loh	PROPN
emaj-238	401	2	,	,	PUNCT
emaj-238	401	3	c.	c.	PROPN
emaj-238	401	4	p.	p.	PROPN
emaj-238	401	5	a.	a.	PROPN
emaj-238	401	6	,	,	PUNCT
emaj-238	401	7	nihalani	nihalani	NOUN
emaj-238	401	8	,	,	PUNCT
emaj-238	401	9	k.	k.	PROPN
emaj-238	401	10	,	,	PUNCT
emaj-238	401	11	&	&	CCONJ
emaj-238	401	12	schnusenberg	schnusenberg	PROPN
emaj-238	401	13	,	,	PUNCT
emaj-238	401	14	o.	o.	NOUN
emaj-238	401	15	(	(	PUNCT
emaj-238	401	16	2012	2012	NUM
emaj-238	401	17	)	)	PUNCT
emaj-238	401	18	.	.	PUNCT
emaj-238	402	1	measuring	measure	VERB
emaj-238	402	2	attitude	attitude	NOUN
emaj-238	402	3	toward	toward	ADP
emaj-238	402	4	social	social	ADJ
emaj-238	402	5	health	health	NOUN
emaj-238	402	6	insurance	insurance	NOUN
emaj-238	402	7	.	.	PUNCT
emaj-238	403	1	the	the	DET
emaj-238	403	2	european	european	PROPN
emaj-238	403	3	journal	journal	PROPN
emaj-238	403	4	of	of	ADP
emaj-238	403	5	health	health	NOUN
emaj-238	403	6	economics	economic	NOUN
emaj-238	403	7	,	,	PUNCT
emaj-238	403	8	13(6	13(6	PROPN
emaj-238	403	9	)	)	PUNCT
emaj-238	403	10	,	,	PUNCT
emaj-238	403	11	707	707	NUM
emaj-238	403	12	-	-	SYM
emaj-238	403	13	722	722	NUM
emaj-238	403	14	.	.	PUNCT
emaj-238	404	1	mahdzan	mahdzan	ADJ
emaj-238	404	2	,	,	PUNCT
emaj-238	404	3	n.	n.	PROPN
emaj-238	404	4	s.	s.	PROPN
emaj-238	404	5	,	,	PUNCT
emaj-238	404	6	&	&	CCONJ
emaj-238	404	7	victorian	victorian	PROPN
emaj-238	404	8	,	,	PUNCT
emaj-238	405	1	s.	s.	PROPN
emaj-238	405	2	m.	m.	PROPN
emaj-238	405	3	p.	p.	PROPN
emaj-238	405	4	(	(	PUNCT
emaj-238	405	5	2013	2013	NUM
emaj-238	405	6	)	)	PUNCT
emaj-238	405	7	.	.	PUNCT
emaj-238	406	1	the	the	DET
emaj-238	406	2	determinants	determinant	NOUN
emaj-238	406	3	of	of	ADP
emaj-238	406	4	life	life	NOUN
emaj-238	406	5	insurance	insurance	NOUN
emaj-238	406	6	demand	demand	NOUN
emaj-238	406	7	:	:	PUNCT
emaj-238	406	8	a	a	DET
emaj-238	406	9	focus	focus	NOUN
emaj-238	406	10	on	on	ADP
emaj-238	406	11	saving	save	VERB
emaj-238	406	12	motives	motive	NOUN
emaj-238	406	13	and	and	CCONJ
emaj-238	406	14	financial	financial	ADJ
emaj-238	406	15	literacy	literacy	NOUN
emaj-238	406	16	.	.	PUNCT
emaj-238	407	1	asian	asian	ADJ
emaj-238	407	2	social	social	ADJ
emaj-238	407	3	science	science	NOUN
emaj-238	407	4	,	,	PUNCT
emaj-238	407	5	9(5	9(5	NUM
emaj-238	407	6	)	)	PUNCT
emaj-238	407	7	,	,	PUNCT
emaj-238	407	8	274	274	NUM
emaj-238	407	9	.	.	X
emaj-238	407	10	maiyaki	maiyaki	PROPN
emaj-238	407	11	,	,	PUNCT
emaj-238	407	12	a.	a.	NOUN
emaj-238	407	13	a.	a.	PROPN
emaj-238	407	14	,	,	PUNCT
emaj-238	407	15	&	&	CCONJ
emaj-238	407	16	ayuba	ayuba	PROPN
emaj-238	407	17	,	,	PUNCT
emaj-238	407	18	h.	h.	PROPN
emaj-238	407	19	(	(	PUNCT
emaj-238	407	20	2015	2015	NUM
emaj-238	407	21	)	)	PUNCT
emaj-238	407	22	.	.	PUNCT
emaj-238	408	1	consumers	consumer	NOUN
emaj-238	408	2	'	'	PART
emaj-238	408	3	attitude	attitude	NOUN
emaj-238	408	4	toward	toward	ADP
emaj-238	408	5	islamic	islamic	ADJ
emaj-238	408	6	insurance	insurance	NOUN
emaj-238	408	7	services	service	NOUN
emaj-238	408	8	(	(	PUNCT
emaj-238	408	9	takaful	takaful	ADJ
emaj-238	408	10	)	)	PUNCT
emaj-238	408	11	patronage	patronage	NOUN
emaj-238	408	12	in	in	ADP
emaj-238	408	13	kano	kano	PROPN
emaj-238	408	14	metropolis	metropolis	PROPN
emaj-238	408	15	,	,	PUNCT
emaj-238	408	16	nigeria	nigeria	PROPN
emaj-238	408	17	.	.	PUNCT
emaj-238	409	1	international	international	ADJ
emaj-238	409	2	journal	journal	PROPN
emaj-238	409	3	of	of	ADP
emaj-238	409	4	marketing	marketing	NOUN
emaj-238	409	5	studies	study	NOUN
emaj-238	409	6	,	,	PUNCT
emaj-238	409	7	7(2	7(2	NUM
emaj-238	409	8	)	)	PUNCT
emaj-238	409	9	,	,	PUNCT
emaj-238	409	10	27	27	NUM
emaj-238	409	11	.	.	PUNCT
emaj-238	409	12	makanyeza	makanyeza	PROPN
emaj-238	409	13	,	,	PUNCT
emaj-238	409	14	c.	c.	PROPN
emaj-238	409	15	(	(	PUNCT
emaj-238	409	16	2014	2014	NUM
emaj-238	409	17	)	)	PUNCT
emaj-238	409	18	.	.	PUNCT
emaj-238	410	1	measuring	measure	VERB
emaj-238	410	2	consumer	consumer	NOUN
emaj-238	410	3	attitude	attitude	NOUN
emaj-238	410	4	towards	towards	ADP
emaj-238	410	5	imported	import	VERB
emaj-238	410	6	poultry	poultry	NOUN
emaj-238	410	7	meat	meat	NOUN
emaj-238	410	8	products	product	NOUN
emaj-238	410	9	in	in	ADP
emaj-238	410	10	a	a	DET
emaj-238	410	11	developing	develop	VERB
emaj-238	410	12	market	market	NOUN
emaj-238	410	13	:	:	PUNCT
emaj-238	410	14	an	an	DET
emaj-238	410	15	assessment	assessment	NOUN
emaj-238	410	16	of	of	ADP
emaj-238	410	17	reliability	reliability	NOUN
emaj-238	410	18	,	,	PUNCT
emaj-238	410	19	validity	validity	NOUN
emaj-238	410	20	and	and	CCONJ
emaj-238	410	21	dimensionality	dimensionality	NOUN
emaj-238	410	22	of	of	ADP
emaj-238	410	23	the	the	DET
emaj-238	410	24	tri	tri	ADJ
emaj-238	410	25	-	-	ADJ
emaj-238	410	26	component	component	ADJ
emaj-238	410	27	attitude	attitude	NOUN
emaj-238	410	28	model	model	NOUN
emaj-238	410	29	.	.	PUNCT
emaj-238	411	1	mediterranean	mediterranean	PROPN
emaj-238	411	2	journal	journal	PROPN
emaj-238	411	3	of	of	ADP
emaj-238	411	4	social	social	ADJ
emaj-238	411	5	sciences	science	NOUN
emaj-238	411	6	,	,	PUNCT
emaj-238	411	7	5(20	5(20	NUM
emaj-238	411	8	)	)	PUNCT
emaj-238	411	9	,	,	PUNCT
emaj-238	411	10	874	874	NUM
emaj-238	411	11	.	.	PUNCT
emaj-238	412	1	mandal	mandal	PROPN
emaj-238	412	2	,	,	PUNCT
emaj-238	412	3	s.	s.	PROPN
emaj-238	412	4	,	,	PUNCT
emaj-238	412	5	rakshit	rakshit	NOUN
emaj-238	412	6	,	,	PUNCT
emaj-238	412	7	a.	a.	PROPN
emaj-238	412	8	,	,	PUNCT
emaj-238	412	9	&	&	CCONJ
emaj-238	412	10	sarkar	sarkar	PROPN
emaj-238	412	11	,	,	PUNCT
emaj-238	412	12	n.	n.	PROPN
emaj-238	412	13	c.	c.	PROPN
emaj-238	412	14	(	(	PUNCT
emaj-238	412	15	2009	2009	NUM
emaj-238	412	16	)	)	PUNCT
emaj-238	412	17	.	.	PUNCT
emaj-238	413	1	agricultural	agricultural	ADJ
emaj-238	413	2	insurance	insurance	NOUN
emaj-238	413	3	in	in	ADP
emaj-238	413	4	developing	develop	VERB
emaj-238	413	5	countries	country	NOUN
emaj-238	413	6	:	:	PUNCT
emaj-238	413	7	experiences	experience	NOUN
emaj-238	413	8	and	and	CCONJ
emaj-238	413	9	way	way	NOUN
emaj-238	413	10	ahead	ahead	ADV
emaj-238	413	11	.	.	PUNCT
emaj-238	414	1	rural	rural	ADJ
emaj-238	414	2	insurance	insurance	NOUN
emaj-238	414	3	:	:	PUNCT
emaj-238	414	4	a	a	DET
emaj-238	414	5	new	new	ADJ
emaj-238	414	6	frontier	frontier	NOUN
emaj-238	414	7	.	.	PUNCT
emaj-238	415	1	mansor	mansor	PROPN
emaj-238	415	2	,	,	PUNCT
emaj-238	415	3	k.	k.	PROPN
emaj-238	415	4	a.	a.	PROPN
emaj-238	415	5	,	,	PUNCT
emaj-238	415	6	masduki	masduki	PROPN
emaj-238	415	7	,	,	PUNCT
emaj-238	415	8	r.	r.	PROPN
emaj-238	415	9	m.	m.	PROPN
emaj-238	415	10	n.	n.	PROPN
emaj-238	415	11	,	,	PUNCT
emaj-238	415	12	mohamad	mohamad	PROPN
emaj-238	415	13	,	,	PUNCT
emaj-238	415	14	m.	m.	NOUN
emaj-238	415	15	,	,	PUNCT
emaj-238	415	16	zulkarnain	zulkarnain	NUM
emaj-238	415	17	,	,	PUNCT
emaj-238	415	18	n.	n.	NOUN
emaj-238	415	19	,	,	PUNCT
emaj-238	415	20	&	&	CCONJ
emaj-238	415	21	aziz	aziz	PROPN
emaj-238	415	22	,	,	PUNCT
emaj-238	415	23	n.	n.	NOUN
emaj-238	415	24	a.	a.	PROPN
emaj-238	415	25	(	(	PUNCT
emaj-238	415	26	2015	2015	NUM
emaj-238	415	27	)	)	PUNCT
emaj-238	415	28	.	.	PUNCT
emaj-238	416	1	a	a	DET
emaj-238	416	2	study	study	NOUN
emaj-238	416	3	on	on	ADP
emaj-238	416	4	factors	factor	NOUN
emaj-238	416	5	influencing	influence	VERB
emaj-238	416	6	muslim	muslim	PROPN
emaj-238	416	7	’s	’s	PART
emaj-238	416	8	consumers	consumer	NOUN
emaj-238	416	9	preferences	preference	NOUN
emaj-238	416	10	towards	towards	ADP
emaj-238	416	11	takaful	takaful	ADJ
emaj-238	416	12	products	product	NOUN
emaj-238	416	13	in	in	ADP
emaj-238	416	14	malaysia	malaysia	PROPN
emaj-238	416	15	.	.	PUNCT
emaj-238	417	1	romanian	romanian	ADJ
emaj-238	417	2	statistical	statistical	ADJ
emaj-238	417	3	review	review	NOUN
emaj-238	417	4	,	,	PUNCT
emaj-238	417	5	63(2	63(2	NUM
emaj-238	417	6	)	)	PUNCT
emaj-238	417	7	,	,	PUNCT
emaj-238	417	8	78	78	NUM
emaj-238	417	9	-	-	SYM
emaj-238	417	10	89	89	NUM
emaj-238	417	11	.	.	PUNCT
emaj-238	418	1	mazaheri	mazaheri	PROPN
emaj-238	418	2	,	,	PUNCT
emaj-238	418	3	e.	e.	PROPN
emaj-238	418	4	,	,	PUNCT
emaj-238	418	5	richard	richard	PROPN
emaj-238	418	6	,	,	PUNCT
emaj-238	418	7	m.	m.	NOUN
emaj-238	418	8	o.	o.	PROPN
emaj-238	418	9	,	,	PUNCT
emaj-238	418	10	laroche	laroche	PROPN
emaj-238	418	11	,	,	PUNCT
emaj-238	418	12	m.	m.	NOUN
emaj-238	418	13	,	,	PUNCT
emaj-238	418	14	&	&	CCONJ
emaj-238	418	15	ueltschy	ueltschy	ADJ
emaj-238	418	16	,	,	PUNCT
emaj-238	418	17	l.	l.	PROPN
emaj-238	418	18	c.	c.	PROPN
emaj-238	418	19	(	(	PUNCT
emaj-238	418	20	2014	2014	NUM
emaj-238	418	21	)	)	PUNCT
emaj-238	418	22	.	.	PUNCT
emaj-238	419	1	the	the	DET
emaj-238	419	2	influence	influence	NOUN
emaj-238	419	3	of	of	ADP
emaj-238	419	4	culture	culture	NOUN
emaj-238	419	5	,	,	PUNCT
emaj-238	419	6	emotions	emotion	NOUN
emaj-238	419	7	,	,	PUNCT
emaj-238	419	8	intangibility	intangibility	NOUN
emaj-238	419	9	,	,	PUNCT
emaj-238	419	10	and	and	CCONJ
emaj-238	419	11	atmospheric	atmospheric	ADJ
emaj-238	419	12	cues	cue	NOUN
emaj-238	419	13	on	on	ADP
emaj-238	419	14	online	online	ADJ
emaj-238	419	15	behavior	behavior	NOUN
emaj-238	419	16	.	.	PUNCT
emaj-238	420	1	journal	journal	PROPN
emaj-238	420	2	of	of	ADP
emaj-238	420	3	business	business	NOUN
emaj-238	420	4	research	research	NOUN
emaj-238	420	5	,	,	PUNCT
emaj-238	420	6	67(3	67(3	NUM
emaj-238	420	7	)	)	PUNCT
emaj-238	420	8	,	,	PUNCT
emaj-238	420	9	253	253	NUM
emaj-238	420	10	-	-	SYM
emaj-238	420	11	259	259	NUM
emaj-238	420	12	.	.	PUNCT
emaj-238	421	1	mmbaga	mmbaga	PROPN
emaj-238	421	2	,	,	PUNCT
emaj-238	421	3	b.	b.	PROPN
emaj-238	421	4	t.	t.	PROPN
emaj-238	421	5	,	,	PUNCT
emaj-238	421	6	lie	lie	PROPN
emaj-238	421	7	,	,	PUNCT
emaj-238	421	8	r.	r.	PROPN
emaj-238	421	9	t.	t.	PROPN
emaj-238	421	10	,	,	PUNCT
emaj-238	421	11	olomi	olomi	PROPN
emaj-238	421	12	,	,	PUNCT
emaj-238	421	13	r.	r.	PROPN
emaj-238	421	14	,	,	PUNCT
emaj-238	421	15	mahande	mahande	PROPN
emaj-238	421	16	,	,	PUNCT
emaj-238	421	17	m.	m.	NOUN
emaj-238	421	18	j.	j.	PROPN
emaj-238	421	19	,	,	PUNCT
emaj-238	421	20	olola	olola	PROPN
emaj-238	421	21	,	,	PUNCT
emaj-238	421	22	o.	o.	PROPN
emaj-238	421	23	,	,	PUNCT
emaj-238	421	24	&	&	CCONJ
emaj-238	421	25	daltveit	daltveit	PROPN
emaj-238	421	26	,	,	PUNCT
emaj-238	421	27	a.	a.	PROPN
emaj-238	421	28	k.	k.	PROPN
emaj-238	421	29	(	(	PUNCT
emaj-238	421	30	2012	2012	NUM
emaj-238	421	31	)	)	PUNCT
emaj-238	421	32	.	.	PUNCT
emaj-238	422	1	causes	cause	NOUN
emaj-238	422	2	of	of	ADP
emaj-238	422	3	perinatal	perinatal	ADJ
emaj-238	422	4	death	death	NOUN
emaj-238	422	5	at	at	ADP
emaj-238	422	6	a	a	DET
emaj-238	422	7	tertiary	tertiary	ADJ
emaj-238	422	8	care	care	NOUN
emaj-238	422	9	hospital	hospital	NOUN
emaj-238	422	10	in	in	ADP
emaj-238	422	11	northern	northern	ADJ
emaj-238	422	12	tanzania	tanzania	PROPN
emaj-238	422	13	2000–2010	2000–2010	NUM
emaj-238	422	14	:	:	PUNCT
emaj-238	422	15	a	a	DET
emaj-238	422	16	registry	registry	NOUN
emaj-238	422	17	based	base	VERB
emaj-238	422	18	study	study	NOUN
emaj-238	422	19	.	.	PUNCT
emaj-238	423	1	bmc	bmc	ADJ
emaj-238	423	2	pregnancy	pregnancy	NOUN
emaj-238	423	3	and	and	CCONJ
emaj-238	423	4	childbirth	childbirth	NOUN
emaj-238	423	5	,	,	PUNCT
emaj-238	423	6	12(1	12(1	NUM
emaj-238	423	7	)	)	PUNCT
emaj-238	423	8	,	,	PUNCT
emaj-238	423	9	19	19	NUM
emaj-238	423	10	.	.	NOUN
emaj-238	423	11	møller	møller	NOUN
emaj-238	423	12	,	,	PUNCT
emaj-238	423	13	v.	v.	PROPN
emaj-238	423	14	(	(	PUNCT
emaj-238	423	15	2013	2013	NUM
emaj-238	423	16	)	)	PUNCT
emaj-238	423	17	.	.	PUNCT
emaj-238	424	1	south	south	ADJ
emaj-238	424	2	african	african	ADJ
emaj-238	424	3	quality	quality	NOUN
emaj-238	424	4	of	of	ADP
emaj-238	424	5	life	life	NOUN
emaj-238	424	6	trends	trend	NOUN
emaj-238	424	7	over	over	ADP
emaj-238	424	8	three	three	NUM
emaj-238	424	9	decades	decade	NOUN
emaj-238	424	10	,	,	PUNCT
emaj-238	424	11	1980–2010	1980–2010	NUM
emaj-238	424	12	.	.	PUNCT
emaj-238	425	1	social	social	ADJ
emaj-238	425	2	indicators	indicator	NOUN
emaj-238	425	3	research	research	VERB
emaj-238	425	4	,	,	PUNCT
emaj-238	425	5	113(3	113(3	NUM
emaj-238	425	6	)	)	PUNCT
emaj-238	425	7	,	,	PUNCT
emaj-238	425	8	915	915	NUM
emaj-238	425	9	-	-	SYM
emaj-238	425	10	940	940	NUM
emaj-238	425	11	.	.	PUNCT
emaj-238	426	1	morduch	morduch	PROPN
emaj-238	426	2	,	,	PUNCT
emaj-238	426	3	j.	j.	PROPN
emaj-238	426	4	(	(	PUNCT
emaj-238	426	5	1994	1994	NUM
emaj-238	426	6	)	)	PUNCT
emaj-238	426	7	.	.	PUNCT
emaj-238	427	1	poverty	poverty	NOUN
emaj-238	427	2	and	and	CCONJ
emaj-238	427	3	vulnerability	vulnerability	NOUN
emaj-238	427	4	.	.	PUNCT
emaj-238	428	1	the	the	DET
emaj-238	428	2	american	american	PROPN
emaj-238	428	3	economic	economic	PROPN
emaj-238	428	4	review	review	PROPN
emaj-238	428	5	,	,	PUNCT
emaj-238	428	6	84(2	84(2	NUM
emaj-238	428	7	)	)	PUNCT
emaj-238	428	8	,	,	PUNCT
emaj-238	428	9	221	221	NUM
emaj-238	428	10	-	-	SYM
emaj-238	428	11	225	225	NUM
emaj-238	428	12	.	.	PUNCT
emaj-238	429	1	morris	morris	PROPN
emaj-238	429	2	,	,	PUNCT
emaj-238	429	3	c.	c.	PROPN
emaj-238	429	4	,	,	PUNCT
emaj-238	429	5	&	&	CCONJ
emaj-238	429	6	kirwan	kirwan	PROPN
emaj-238	429	7	,	,	PUNCT
emaj-238	429	8	j.	j.	PROPN
emaj-238	429	9	(	(	PUNCT
emaj-238	429	10	2010	2010	NUM
emaj-238	429	11	)	)	PUNCT
emaj-238	429	12	.	.	PUNCT
emaj-238	430	1	food	food	NOUN
emaj-238	430	2	commodities	commodity	NOUN
emaj-238	430	3	,	,	PUNCT
emaj-238	430	4	geographical	geographical	ADJ
emaj-238	430	5	knowledges	knowledge	NOUN
emaj-238	430	6	and	and	CCONJ
emaj-238	430	7	the	the	DET
emaj-238	430	8	reconnection	reconnection	NOUN
emaj-238	430	9	of	of	ADP
emaj-238	430	10	production	production	NOUN
emaj-238	430	11	and	and	CCONJ
emaj-238	430	12	consumption	consumption	NOUN
emaj-238	430	13	:	:	PUNCT
emaj-238	430	14	the	the	DET
emaj-238	430	15	case	case	NOUN
emaj-238	430	16	of	of	ADP
emaj-238	430	17	naturally	naturally	ADV
emaj-238	430	18	embedded	embed	VERB
emaj-238	430	19	food	food	NOUN
emaj-238	430	20	products	product	NOUN
emaj-238	430	21	.	.	PUNCT
emaj-238	431	1	geoforum	geoforum	NOUN
emaj-238	431	2	,	,	PUNCT
emaj-238	431	3	41(1	41(1	NUM
emaj-238	431	4	)	)	PUNCT
emaj-238	431	5	,	,	PUNCT
emaj-238	431	6	131	131	NUM
emaj-238	431	7	-	-	SYM
emaj-238	431	8	143	143	NUM
emaj-238	431	9	.	.	PUNCT
emaj-238	432	1	moser	moser	PROPN
emaj-238	432	2	,	,	PUNCT
emaj-238	432	3	a.	a.	PROPN
emaj-238	432	4	k.	k.	PROPN
emaj-238	432	5	(	(	PUNCT
emaj-238	432	6	2016	2016	NUM
emaj-238	432	7	)	)	PUNCT
emaj-238	432	8	.	.	PUNCT
emaj-238	433	1	buying	buy	VERB
emaj-238	433	2	organic	organic	ADJ
emaj-238	433	3	–	–	PUNCT
emaj-238	433	4	decision	decision	NOUN
emaj-238	433	5	-	-	PUNCT
emaj-238	433	6	making	make	VERB
emaj-238	433	7	heuristics	heuristic	NOUN
emaj-238	433	8	and	and	CCONJ
emaj-238	433	9	empirical	empirical	ADJ
emaj-238	433	10	evidence	evidence	NOUN
emaj-238	433	11	from	from	ADP
emaj-238	433	12	germany	germany	PROPN
emaj-238	433	13	.	.	PUNCT
emaj-238	434	1	journal	journal	PROPN
emaj-238	434	2	of	of	ADP
emaj-238	434	3	consumer	consumer	NOUN
emaj-238	434	4	marketing	marketing	NOUN
emaj-238	434	5	.	.	PUNCT
emaj-238	435	1	mourouzidou	mourouzidou	NOUN
emaj-238	435	2	-	-	PUNCT
emaj-238	435	3	damtsa	damtsa	PROPN
emaj-238	435	4	,	,	PUNCT
emaj-238	435	5	s.	s.	PROPN
emaj-238	435	6	,	,	PUNCT
emaj-238	435	7	milidonis	milidonis	PROPN
emaj-238	435	8	,	,	PUNCT
emaj-238	435	9	a.	a.	NOUN
emaj-238	435	10	,	,	PUNCT
emaj-238	435	11	&	&	CCONJ
emaj-238	435	12	stathopoulos	stathopoulos	PROPN
emaj-238	435	13	,	,	PUNCT
emaj-238	435	14	k.	k.	PROPN
emaj-238	435	15	(	(	PUNCT
emaj-238	435	16	2019	2019	NUM
emaj-238	435	17	)	)	PUNCT
emaj-238	435	18	.	.	PUNCT
emaj-238	436	1	national	national	ADJ
emaj-238	436	2	culture	culture	PROPN
emaj-238	436	3	and	and	CCONJ
emaj-238	436	4	bank	bank	PROPN
emaj-238	436	5	risktaking	risktaking	PROPN
emaj-238	436	6	.	.	PUNCT
emaj-238	436	7	journal	journal	PROPN
emaj-238	436	8	of	of	ADP
emaj-238	436	9	financial	financial	ADJ
emaj-238	436	10	stability	stability	NOUN
emaj-238	436	11	,	,	PUNCT
emaj-238	436	12	40	40	NUM
emaj-238	436	13	,	,	PUNCT
emaj-238	436	14	132143	132143	NUM
emaj-238	436	15	.	.	PUNCT
emaj-238	437	1	napolitano	napolitano	PROPN
emaj-238	437	2	,	,	PUNCT
emaj-238	437	3	m.	m.	PROPN
emaj-238	437	4	r.	r.	PROPN
emaj-238	437	5	,	,	PUNCT
emaj-238	437	6	&	&	CCONJ
emaj-238	437	7	de	de	PROPN
emaj-238	437	8	nisco	nisco	PROPN
emaj-238	437	9	,	,	PUNCT
emaj-238	437	10	a.	a.	NOUN
emaj-238	437	11	(	(	PUNCT
emaj-238	437	12	2017	2017	NUM
emaj-238	437	13	)	)	PUNCT
emaj-238	437	14	.	.	PUNCT
emaj-238	438	1	cultural	cultural	ADJ
emaj-238	438	2	heritage	heritage	NOUN
emaj-238	438	3	:	:	PUNCT
emaj-238	438	4	the	the	DET
emaj-238	438	5	missing	missing	ADJ
emaj-238	438	6	“	"	PUNCT
emaj-238	438	7	link	link	NOUN
emaj-238	438	8	”	"	PUNCT
emaj-238	438	9	in	in	ADP
emaj-238	438	10	the	the	DET
emaj-238	438	11	place	place	NOUN
emaj-238	438	12	marketing	marketing	NOUN
emaj-238	438	13	literature	literature	NOUN
emaj-238	438	14	“	"	PUNCT
emaj-238	438	15	chain	chain	NOUN
emaj-238	438	16	”	"	PUNCT
emaj-238	438	17	.	.	PUNCT
emaj-238	439	1	place	place	NOUN
emaj-238	439	2	branding	branding	NOUN
emaj-238	439	3	and	and	CCONJ
emaj-238	439	4	public	public	ADJ
emaj-238	439	5	diplomacy	diplomacy	NOUN
emaj-238	439	6	,	,	PUNCT
emaj-238	439	7	13(2	13(2	PROPN
emaj-238	439	8	)	)	PUNCT
emaj-238	439	9	,	,	PUNCT
emaj-238	439	10	101	101	NUM
emaj-238	439	11	-	-	SYM
emaj-238	439	12	106	106	NUM
emaj-238	439	13	.	.	PUNCT
emaj-238	440	1	nayeem	nayeem	PROPN
emaj-238	440	2	,	,	PUNCT
emaj-238	440	3	t.	t.	PROPN
emaj-238	440	4	(	(	PUNCT
emaj-238	440	5	2012	2012	NUM
emaj-238	440	6	)	)	PUNCT
emaj-238	440	7	.	.	PUNCT
emaj-238	441	1	cultural	cultural	ADJ
emaj-238	441	2	influences	influence	NOUN
emaj-238	441	3	on	on	ADP
emaj-238	441	4	consumer	consumer	NOUN
emaj-238	441	5	behaviour	behaviour	NOUN
emaj-238	441	6	.	.	PUNCT
emaj-238	442	1	international	international	ADJ
emaj-238	442	2	journal	journal	PROPN
emaj-238	442	3	of	of	ADP
emaj-238	442	4	business	business	NOUN
emaj-238	442	5	and	and	CCONJ
emaj-238	442	6	management	management	NOUN
emaj-238	442	7	,	,	PUNCT
emaj-238	442	8	7(21	7(21	NUM
emaj-238	442	9	)	)	PUNCT
emaj-238	442	10	,	,	PUNCT
emaj-238	442	11	78	78	NUM
emaj-238	442	12	.	.	PUNCT
emaj-238	442	13	nic	nic	PROPN
emaj-238	442	14	.	.	PUNCT
emaj-238	443	1	(	(	PUNCT
emaj-238	443	2	2018	2018	NUM
emaj-238	443	3	)	)	PUNCT
emaj-238	443	4	.	.	PUNCT
emaj-238	444	1	nic	nic	PROPN
emaj-238	444	2	annual	annual	ADJ
emaj-238	444	3	reports	report	NOUN
emaj-238	444	4	.	.	PUNCT
emaj-238	445	1	nic	nic	PROPN
emaj-238	445	2	website	website	PROPN
emaj-238	445	3	.	.	PUNCT
emaj-238	446	1	https://nationalinsurance.nic.co.in/en/aboutus/annualreports	https://nationalinsurance.nic.co.in/en/aboutus/annualreport	NOUN
emaj-238	446	2	nic	nic	PROPN
emaj-238	446	3	.	.	PUNCT
emaj-238	447	1	(	(	PUNCT
emaj-238	447	2	2019	2019	NUM
emaj-238	447	3	)	)	PUNCT
emaj-238	447	4	.	.	PUNCT
emaj-238	448	1	nic	nic	PROPN
emaj-238	448	2	annual	annual	ADJ
emaj-238	448	3	reports	report	NOUN
emaj-238	448	4	.	.	PUNCT
emaj-238	449	1	nic	nic	PROPN
emaj-238	449	2	website	website	PROPN
emaj-238	449	3	.	.	PUNCT
emaj-238	450	1	https://nationalinsurance.nic.co.in/en/aboutus/annualreports	https://nationalinsurance.nic.co.in/en/aboutus/annualreport	NOUN
emaj-238	450	2	nwankwo	nwankwo	PROPN
emaj-238	450	3	,	,	PUNCT
emaj-238	450	4	s.	s.	PROPN
emaj-238	450	5	i.	i.	PROPN
emaj-238	450	6	,	,	PUNCT
emaj-238	450	7	&	&	CCONJ
emaj-238	450	8	ajemunigbohun	ajemunigbohun	PROPN
emaj-238	450	9	,	,	PUNCT
emaj-238	450	10	s.	s.	PROPN
emaj-238	450	11	s.	s.	PROPN
emaj-238	450	12	(	(	PUNCT
emaj-238	450	13	2013	2013	NUM
emaj-238	450	14	)	)	PUNCT
emaj-238	450	15	.	.	PUNCT
emaj-238	451	1	customer	customer	NOUN
emaj-238	451	2	relationship	relationship	NOUN
emaj-238	451	3	management	management	NOUN
emaj-238	451	4	and	and	CCONJ
emaj-238	451	5	customer	customer	NOUN
emaj-238	451	6	retention	retention	NOUN
emaj-238	451	7	:	:	PUNCT
emaj-238	451	8	empirical	empirical	ADJ
emaj-238	451	9	assessment	assessment	NOUN
emaj-238	451	10	from	from	ADP
emaj-238	451	11	nigeria	nigeria	PROPN
emaj-238	451	12	’s	’s	PART
emaj-238	451	13	insurance	insurance	NOUN
emaj-238	451	14	industry	industry	NOUN
emaj-238	451	15	.	.	PUNCT
emaj-238	452	1	business	business	NOUN
emaj-238	452	2	and	and	CCONJ
emaj-238	452	3	economics	economic	NOUN
emaj-238	452	4	journal	journal	NOUN
emaj-238	452	5	,	,	PUNCT
emaj-238	452	6	4(2	4(2	NUM
emaj-238	452	7	)	)	PUNCT
emaj-238	452	8	,	,	PUNCT
emaj-238	452	9	81	81	NUM
emaj-238	452	10	.	.	PUNCT
emaj-238	453	1	volume	volume	NOUN
emaj-238	453	2	12	12	NUM
emaj-238	453	3	no	no	DET
emaj-238	453	4	1	1	NUM
emaj-238	453	5	(	(	PUNCT
emaj-238	453	6	2021	2021	NUM
emaj-238	453	7	)	)	PUNCT
emaj-238	453	8	|	|	ADV
emaj-238	453	9	issn	issn	VERB
emaj-238	453	10	2158	2158	NUM
emaj-238	453	11	-	-	SYM
emaj-238	453	12	8708	8708	NUM
emaj-238	453	13	(	(	PUNCT
emaj-238	453	14	online	online	NOUN
emaj-238	453	15	)	)	PUNCT
emaj-238	453	16	|	|	ADV
emaj-238	453	17	doi	doi	X
emaj-238	453	18	10.5195	10.5195	NUM
emaj-238	453	19	/	/	SYM
emaj-238	453	20	emaj.2022.238	emaj.2022.238	NOUN
emaj-238	454	1	|	|	NOUN
emaj-238	454	2	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-238	454	3	cultural	cultural	ADJ
emaj-238	454	4	and	and	CCONJ
emaj-238	454	5	attitudinal	attitudinal	ADJ
emaj-238	454	6	tenets	tenet	NOUN
emaj-238	454	7	of	of	ADP
emaj-238	454	8	ghanaians	ghanaians	PROPN
emaj-238	454	9	on	on	ADP
emaj-238	454	10	insurance	insurance	NOUN
emaj-238	454	11	service	service	NOUN
emaj-238	454	12	:	:	PUNCT
emaj-238	454	13	an	an	DET
emaj-238	454	14	empirical	empirical	ADJ
emaj-238	454	15	study	study	NOUN
emaj-238	454	16	page	page	NOUN
emaj-238	454	17	|24|	|24|	ADJ
emaj-238	454	18	emerging	emerge	VERB
emaj-238	454	19	markets	market	NOUN
emaj-238	454	20	journal	journal	NOUN
emaj-238	454	21	ojatta	ojatta	PROPN
emaj-238	454	22	,	,	PUNCT
emaj-238	454	23	d.	d.	PROPN
emaj-238	454	24	o.	o.	PROPN
emaj-238	454	25	(	(	PUNCT
emaj-238	454	26	2016	2016	NUM
emaj-238	454	27	)	)	PUNCT
emaj-238	454	28	.	.	PUNCT
emaj-238	455	1	consumer	consumer	NOUN
emaj-238	455	2	awareness	awareness	NOUN
emaj-238	455	3	and	and	CCONJ
emaj-238	455	4	perception	perception	NOUN
emaj-238	455	5	of	of	ADP
emaj-238	455	6	national	national	ADJ
emaj-238	455	7	health	health	PROPN
emaj-238	455	8	insurance	insurance	NOUN
emaj-238	455	9	scheme	scheme	NOUN
emaj-238	455	10	(	(	PUNCT
emaj-238	455	11	nhis	nhis	NOUN
emaj-238	455	12	)	)	PUNCT
emaj-238	455	13	healthcare	healthcare	PROPN
emaj-238	455	14	services	service	NOUN
emaj-238	455	15	in	in	ADP
emaj-238	455	16	kogi	kogi	PROPN
emaj-238	455	17	east	east	PROPN
emaj-238	455	18	(	(	PUNCT
emaj-238	455	19	doctoral	doctoral	ADJ
emaj-238	455	20	dissertation	dissertation	NOUN
emaj-238	455	21	,	,	PUNCT
emaj-238	455	22	doctoral	doctoral	ADJ
emaj-238	455	23	dissertation	dissertation	NOUN
emaj-238	455	24	)	)	PUNCT
emaj-238	455	25	.	.	PUNCT
emaj-238	456	1	olugbenga	olugbenga	NOUN
emaj-238	456	2	-	-	PUNCT
emaj-238	456	3	bello	bello	PROPN
emaj-238	456	4	,	,	PUNCT
emaj-238	456	5	a.	a.	NOUN
emaj-238	456	6	i.	i.	PROPN
emaj-238	456	7	,	,	PUNCT
emaj-238	456	8	&	&	CCONJ
emaj-238	456	9	adebimpe	adebimpe	NOUN
emaj-238	456	10	,	,	PUNCT
emaj-238	456	11	w.	w.	PROPN
emaj-238	456	12	o.	o.	PROPN
emaj-238	456	13	(	(	PUNCT
emaj-238	456	14	2010	2010	NUM
emaj-238	456	15	)	)	PUNCT
emaj-238	456	16	.	.	PUNCT
emaj-238	457	1	knowledge	knowledge	NOUN
emaj-238	457	2	and	and	CCONJ
emaj-238	457	3	attitude	attitude	NOUN
emaj-238	457	4	of	of	ADP
emaj-238	457	5	civil	civil	ADJ
emaj-238	457	6	servants	servant	NOUN
emaj-238	457	7	in	in	ADP
emaj-238	457	8	osun	osun	PROPN
emaj-238	457	9	state	state	PROPN
emaj-238	457	10	,	,	PUNCT
emaj-238	457	11	southwestern	southwestern	ADJ
emaj-238	457	12	nigeria	nigeria	PROPN
emaj-238	457	13	towards	towards	ADP
emaj-238	457	14	the	the	DET
emaj-238	457	15	national	national	ADJ
emaj-238	457	16	health	health	PROPN
emaj-238	457	17	insurance	insurance	NOUN
emaj-238	457	18	.	.	PUNCT
emaj-238	458	1	nigerian	nigerian	ADJ
emaj-238	458	2	journal	journal	PROPN
emaj-238	458	3	of	of	ADP
emaj-238	458	4	clinical	clinical	ADJ
emaj-238	458	5	practice	practice	NOUN
emaj-238	458	6	,	,	PUNCT
emaj-238	458	7	13(4	13(4	NUM
emaj-238	458	8	)	)	PUNCT
emaj-238	458	9	.	.	PUNCT
emaj-238	459	1	oluyemi	oluyemi	PROPN
emaj-238	459	2	,	,	PUNCT
emaj-238	459	3	s.	s.	PROPN
emaj-238	459	4	a.	a.	PROPN
emaj-238	459	5	(	(	PUNCT
emaj-238	459	6	1995	1995	NUM
emaj-238	459	7	)	)	PUNCT
emaj-238	459	8	.	.	PUNCT
emaj-238	460	1	deregulation	deregulation	NOUN
emaj-238	460	2	and	and	CCONJ
emaj-238	460	3	performance	performance	NOUN
emaj-238	460	4	of	of	ADP
emaj-238	460	5	insured	insure	VERB
emaj-238	460	6	banks	bank	NOUN
emaj-238	460	7	in	in	ADP
emaj-238	460	8	nigeria	nigeria	PROPN
emaj-238	460	9	:	:	PUNCT
emaj-238	460	10	an	an	DET
emaj-238	460	11	overview	overview	NOUN
emaj-238	460	12	.	.	PUNCT
emaj-238	461	1	ndic	ndic	ADJ
emaj-238	461	2	quarterly	quarterly	NOUN
emaj-238	461	3	,	,	PUNCT
emaj-238	461	4	5(1	5(1	NUM
emaj-238	461	5	)	)	PUNCT
emaj-238	461	6	,	,	PUNCT
emaj-238	461	7	49	49	NUM
emaj-238	461	8	-	-	SYM
emaj-238	461	9	67	67	NUM
emaj-238	461	10	.	.	PUNCT
emaj-238	462	1	oteino	oteino	PROPN
emaj-238	462	2	,	,	PUNCT
emaj-238	462	3	o.	o.	PROPN
emaj-238	462	4	d.	d.	PROPN
emaj-238	462	5	(	(	PUNCT
emaj-238	462	6	2018	2018	NUM
emaj-238	462	7	)	)	PUNCT
emaj-238	462	8	.	.	PUNCT
emaj-238	463	1	effects	effect	NOUN
emaj-238	463	2	of	of	ADP
emaj-238	463	3	expectation	expectation	NOUN
emaj-238	463	4	,	,	PUNCT
emaj-238	463	5	perception	perception	NOUN
emaj-238	463	6	,	,	PUNCT
emaj-238	463	7	disconfirmation	disconfirmation	NOUN
emaj-238	463	8	,	,	PUNCT
emaj-238	463	9	satisfaction	satisfaction	NOUN
emaj-238	463	10	,	,	PUNCT
emaj-238	463	11	brand	brand	NOUN
emaj-238	463	12	trust	trust	NOUN
emaj-238	463	13	,	,	PUNCT
emaj-238	463	14	and	and	CCONJ
emaj-238	463	15	risk	risk	NOUN
emaj-238	463	16	perception	perception	NOUN
emaj-238	463	17	on	on	ADP
emaj-238	463	18	premium	premium	NOUN
emaj-238	463	19	bottled	bottle	VERB
emaj-238	463	20	water	water	NOUN
emaj-238	463	21	repurchase	repurchase	VERB
emaj-238	463	22	intention	intention	NOUN
emaj-238	463	23	among	among	ADP
emaj-238	463	24	consumers	consumer	NOUN
emaj-238	463	25	in	in	ADP
emaj-238	463	26	nigeria	nigeria	PROPN
emaj-238	463	27	(	(	PUNCT
emaj-238	463	28	doctoral	doctoral	ADJ
emaj-238	463	29	dissertation	dissertation	NOUN
emaj-238	463	30	,	,	PUNCT
emaj-238	463	31	universiti	universiti	PROPN
emaj-238	463	32	sains	sain	VERB
emaj-238	463	33	malaysia	malaysia	PROPN
emaj-238	463	34	)	)	PUNCT
emaj-238	463	35	.	.	PUNCT
emaj-238	464	1	outreville	outreville	NOUN
emaj-238	464	2	,	,	PUNCT
emaj-238	464	3	j.	j.	PROPN
emaj-238	464	4	f.	f.	PROPN
emaj-238	464	5	(	(	PUNCT
emaj-238	464	6	2018	2018	NUM
emaj-238	464	7	)	)	PUNCT
emaj-238	464	8	.	.	PUNCT
emaj-238	465	1	culture	culture	NOUN
emaj-238	465	2	and	and	CCONJ
emaj-238	465	3	life	life	NOUN
emaj-238	465	4	insurance	insurance	NOUN
emaj-238	465	5	ownership	ownership	NOUN
emaj-238	465	6	:	:	PUNCT
emaj-238	465	7	is	be	AUX
emaj-238	465	8	it	it	PRON
emaj-238	465	9	an	an	DET
emaj-238	465	10	issue	issue	NOUN
emaj-238	465	11	?	?	PUNCT
emaj-238	465	12	.	.	PUNCT
emaj-238	466	1	journal	journal	PROPN
emaj-238	466	2	of	of	ADP
emaj-238	466	3	insurance	insurance	NOUN
emaj-238	466	4	issues	issue	NOUN
emaj-238	466	5	,	,	PUNCT
emaj-238	466	6	41(2	41(2	NUM
emaj-238	466	7	)	)	PUNCT
emaj-238	466	8	,	,	PUNCT
emaj-238	466	9	168	168	NUM
emaj-238	466	10	-	-	SYM
emaj-238	466	11	192	192	NUM
emaj-238	466	12	.	.	PUNCT
emaj-238	467	1	owusu	owusu	PROPN
emaj-238	467	2	,	,	PUNCT
emaj-238	467	3	a.	a.	PROPN
emaj-238	467	4	y.	y.	PROPN
emaj-238	467	5	,	,	PUNCT
emaj-238	467	6	ackah	ackah	PROPN
emaj-238	467	7	,	,	PUNCT
emaj-238	467	8	c.	c.	PROPN
emaj-238	467	9	,	,	PUNCT
emaj-238	467	10	&	&	CCONJ
emaj-238	467	11	gruijters	gruijter	NOUN
emaj-238	467	12	,	,	PUNCT
emaj-238	467	13	r.	r.	PROPN
emaj-238	467	14	(	(	PUNCT
emaj-238	467	15	2012	2012	NUM
emaj-238	467	16	)	)	PUNCT
emaj-238	467	17	.	.	PUNCT
emaj-238	468	1	4.4	4.4	NUM
emaj-238	468	2	.	.	PUNCT
emaj-238	469	1	market	market	NOUN
emaj-238	469	2	survey	survey	NOUN
emaj-238	469	3	:	:	PUNCT
emaj-238	469	4	the	the	DET
emaj-238	469	5	demand	demand	NOUN
emaj-238	469	6	-	-	PUNCT
emaj-238	469	7	side	side	NOUN
emaj-238	469	8	-	-	PUNCT
emaj-238	469	9	results	result	NOUN
emaj-238	469	10	from	from	ADP
emaj-238	469	11	a	a	DET
emaj-238	469	12	survey	survey	NOUN
emaj-238	469	13	of	of	ADP
emaj-238	469	14	microinsurance	microinsurance	ADJ
emaj-238	469	15	clients	client	NOUN
emaj-238	469	16	.	.	PUNCT
emaj-238	470	1	promoting	promote	VERB
emaj-238	470	2	microinsurance	microinsurance	NOUN
emaj-238	470	3	in	in	ADP
emaj-238	470	4	ghana	ghana	PROPN
emaj-238	470	5	,	,	PUNCT
emaj-238	470	6	110	110	NUM
emaj-238	470	7	.	.	PUNCT
emaj-238	470	8	pantano	pantano	PROPN
emaj-238	470	9	,	,	PUNCT
emaj-238	470	10	e.	e.	PROPN
emaj-238	470	11	(	(	PUNCT
emaj-238	470	12	2011	2011	NUM
emaj-238	470	13	)	)	PUNCT
emaj-238	470	14	.	.	PUNCT
emaj-238	471	1	cultural	cultural	ADJ
emaj-238	471	2	factors	factor	NOUN
emaj-238	471	3	affecting	affect	VERB
emaj-238	471	4	consumer	consumer	NOUN
emaj-238	471	5	behaviour	behaviour	NOUN
emaj-238	471	6	:	:	PUNCT
emaj-238	471	7	a	a	DET
emaj-238	471	8	new	new	ADJ
emaj-238	471	9	perception	perception	NOUN
emaj-238	471	10	model	model	NOUN
emaj-238	471	11	.	.	PUNCT
emaj-238	471	12	euromed	euromed	PROPN
emaj-238	471	13	journal	journal	PROPN
emaj-238	471	14	of	of	ADP
emaj-238	471	15	business	business	NOUN
emaj-238	471	16	.	.	PUNCT
emaj-238	472	1	paul	paul	PROPN
emaj-238	472	2	,	,	PUNCT
emaj-238	472	3	j.	j.	PROPN
emaj-238	472	4	,	,	PUNCT
emaj-238	472	5	modi	modi	PROPN
emaj-238	472	6	,	,	PUNCT
emaj-238	472	7	a.	a.	PROPN
emaj-238	472	8	,	,	PUNCT
emaj-238	472	9	&	&	CCONJ
emaj-238	472	10	patel	patel	PROPN
emaj-238	472	11	,	,	PUNCT
emaj-238	472	12	j.	j.	PROPN
emaj-238	472	13	(	(	PUNCT
emaj-238	472	14	2016	2016	NUM
emaj-238	472	15	)	)	PUNCT
emaj-238	472	16	.	.	PUNCT
emaj-238	473	1	predicting	predict	VERB
emaj-238	473	2	green	green	ADJ
emaj-238	473	3	product	product	NOUN
emaj-238	473	4	consumption	consumption	NOUN
emaj-238	473	5	using	use	VERB
emaj-238	473	6	theory	theory	NOUN
emaj-238	473	7	of	of	ADP
emaj-238	473	8	planned	plan	VERB
emaj-238	473	9	behavior	behavior	NOUN
emaj-238	473	10	and	and	CCONJ
emaj-238	473	11	reasoned	reason	VERB
emaj-238	473	12	action	action	NOUN
emaj-238	473	13	.	.	PUNCT
emaj-238	474	1	journal	journal	NOUN
emaj-238	474	2	of	of	ADP
emaj-238	474	3	retailing	retailing	NOUN
emaj-238	474	4	and	and	CCONJ
emaj-238	474	5	consumer	consumer	NOUN
emaj-238	474	6	services	service	NOUN
emaj-238	474	7	,	,	PUNCT
emaj-238	474	8	29	29	NUM
emaj-238	474	9	,	,	PUNCT
emaj-238	474	10	123	123	NUM
emaj-238	474	11	-	-	SYM
emaj-238	474	12	134	134	NUM
emaj-238	474	13	.	.	PUNCT
emaj-238	475	1	polenzani	polenzani	PROPN
emaj-238	475	2	,	,	PUNCT
emaj-238	475	3	b.	b.	PROPN
emaj-238	475	4	,	,	PUNCT
emaj-238	475	5	riganelli	riganelli	PROPN
emaj-238	475	6	,	,	PUNCT
emaj-238	475	7	c.	c.	PROPN
emaj-238	475	8	,	,	PUNCT
emaj-238	475	9	&	&	CCONJ
emaj-238	475	10	marchini	marchini	PROPN
emaj-238	475	11	,	,	PUNCT
emaj-238	475	12	a.	a.	NOUN
emaj-238	475	13	(	(	PUNCT
emaj-238	475	14	2020	2020	NUM
emaj-238	475	15	)	)	PUNCT
emaj-238	475	16	.	.	PUNCT
emaj-238	476	1	sustainability	sustainability	NOUN
emaj-238	476	2	perception	perception	NOUN
emaj-238	476	3	of	of	ADP
emaj-238	476	4	local	local	ADJ
emaj-238	476	5	extra	extra	ADJ
emaj-238	476	6	virgin	virgin	ADJ
emaj-238	476	7	olive	olive	NOUN
emaj-238	476	8	oil	oil	NOUN
emaj-238	476	9	and	and	CCONJ
emaj-238	476	10	consumers	consumer	NOUN
emaj-238	476	11	’	'	PUNCT
emaj-238	476	12	attitude	attitude	NOUN
emaj-238	476	13	:	:	PUNCT
emaj-238	476	14	a	a	DET
emaj-238	476	15	new	new	ADJ
emaj-238	476	16	italian	italian	ADJ
emaj-238	476	17	perspective	perspective	NOUN
emaj-238	476	18	.	.	PUNCT
emaj-238	477	1	sustainability	sustainability	NOUN
emaj-238	477	2	,	,	PUNCT
emaj-238	477	3	12(3	12(3	NUM
emaj-238	477	4	)	)	PUNCT
emaj-238	477	5	,	,	PUNCT
emaj-238	477	6	920	920	NUM
emaj-238	477	7	.	.	PUNCT
emaj-238	478	1	preacher	preacher	PROPN
emaj-238	478	2	,	,	PUNCT
emaj-238	478	3	k.	k.	PROPN
emaj-238	478	4	j.	j.	PROPN
emaj-238	478	5	,	,	PUNCT
emaj-238	478	6	&	&	CCONJ
emaj-238	478	7	maccallum	maccallum	PROPN
emaj-238	478	8	,	,	PUNCT
emaj-238	478	9	r.	r.	PROPN
emaj-238	478	10	c.	c.	PROPN
emaj-238	478	11	(	(	PUNCT
emaj-238	478	12	2002	2002	NUM
emaj-238	478	13	)	)	PUNCT
emaj-238	478	14	.	.	PUNCT
emaj-238	479	1	exploratory	exploratory	ADJ
emaj-238	479	2	factor	factor	NOUN
emaj-238	479	3	analysis	analysis	NOUN
emaj-238	479	4	in	in	ADP
emaj-238	479	5	behavior	behavior	NOUN
emaj-238	479	6	genetics	genetic	NOUN
emaj-238	479	7	research	research	NOUN
emaj-238	479	8	:	:	PUNCT
emaj-238	479	9	factor	factor	NOUN
emaj-238	479	10	recovery	recovery	NOUN
emaj-238	479	11	with	with	ADP
emaj-238	479	12	small	small	ADJ
emaj-238	479	13	sample	sample	NOUN
emaj-238	479	14	sizes	size	NOUN
emaj-238	479	15	.	.	PUNCT
emaj-238	480	1	behavior	behavior	NOUN
emaj-238	480	2	genetics	genetic	NOUN
emaj-238	480	3	,	,	PUNCT
emaj-238	480	4	32(2	32(2	NUM
emaj-238	480	5	)	)	PUNCT
emaj-238	480	6	,	,	PUNCT
emaj-238	480	7	153	153	NUM
emaj-238	480	8	-	-	SYM
emaj-238	480	9	161	161	NUM
emaj-238	480	10	.	.	PUNCT
emaj-238	481	1	rabin	rabin	PROPN
emaj-238	481	2	,	,	PUNCT
emaj-238	481	3	m.	m.	NOUN
emaj-238	481	4	,	,	PUNCT
emaj-238	481	5	&	&	CCONJ
emaj-238	481	6	thaler	thaler	PROPN
emaj-238	481	7	,	,	PUNCT
emaj-238	481	8	r.	r.	PROPN
emaj-238	481	9	h.	h.	PROPN
emaj-238	481	10	(	(	PUNCT
emaj-238	481	11	2001	2001	NUM
emaj-238	481	12	)	)	PUNCT
emaj-238	481	13	.	.	PUNCT
emaj-238	482	1	anomalies	anomaly	NOUN
emaj-238	482	2	:	:	PUNCT
emaj-238	482	3	risk	risk	NOUN
emaj-238	482	4	aversion	aversion	NOUN
emaj-238	482	5	.	.	PUNCT
emaj-238	483	1	journal	journal	NOUN
emaj-238	483	2	of	of	ADP
emaj-238	483	3	economic	economic	ADJ
emaj-238	483	4	perspectives	perspective	NOUN
emaj-238	483	5	,	,	PUNCT
emaj-238	483	6	15(1	15(1	NUM
emaj-238	483	7	)	)	PUNCT
emaj-238	483	8	,	,	PUNCT
emaj-238	483	9	219	219	NUM
emaj-238	483	10	-	-	SYM
emaj-238	483	11	232	232	NUM
emaj-238	483	12	.	.	PUNCT
emaj-238	484	1	rahman	rahman	PROPN
emaj-238	484	2	,	,	PUNCT
emaj-238	484	3	a.	a.	NOUN
emaj-238	484	4	a.	a.	PROPN
emaj-238	484	5	,	,	PUNCT
emaj-238	484	6	sulaiman	sulaiman	PROPN
emaj-238	484	7	,	,	PUNCT
emaj-238	484	8	s.	s.	PROPN
emaj-238	484	9	a.	a.	PROPN
emaj-238	484	10	,	,	PUNCT
emaj-238	484	11	ahmad	ahmad	PROPN
emaj-238	484	12	,	,	PUNCT
emaj-238	484	13	z.	z.	PROPN
emaj-238	484	14	,	,	PUNCT
emaj-238	484	15	salleh	salleh	PROPN
emaj-238	484	16	,	,	PUNCT
emaj-238	484	17	h.	h.	PROPN
emaj-238	484	18	,	,	PUNCT
emaj-238	484	19	daud	daud	PROPN
emaj-238	484	20	,	,	PUNCT
emaj-238	484	21	w.	w.	PROPN
emaj-238	484	22	n.	n.	PROPN
emaj-238	484	23	w.	w.	PROPN
emaj-238	484	24	,	,	PUNCT
emaj-238	484	25	&	&	CCONJ
emaj-238	484	26	hamid	hamid	PROPN
emaj-238	484	27	,	,	PUNCT
emaj-238	484	28	a.	a.	NOUN
emaj-238	484	29	m.	m.	NOUN
emaj-238	484	30	(	(	PUNCT
emaj-238	484	31	2009	2009	NUM
emaj-238	484	32	)	)	PUNCT
emaj-238	484	33	.	.	PUNCT
emaj-238	485	1	women	woman	NOUN
emaj-238	485	2	's	's	PART
emaj-238	485	3	attitude	attitude	NOUN
emaj-238	485	4	and	and	CCONJ
emaj-238	485	5	sociodemographic	sociodemographic	ADJ
emaj-238	485	6	characteristics	characteristic	NOUN
emaj-238	485	7	influencing	influence	VERB
emaj-238	485	8	usage	usage	NOUN
emaj-238	485	9	of	of	ADP
emaj-238	485	10	herbal	herbal	ADJ
emaj-238	485	11	medicines	medicine	NOUN
emaj-238	485	12	during	during	ADP
emaj-238	485	13	pregnancy	pregnancy	NOUN
emaj-238	485	14	in	in	ADP
emaj-238	485	15	tumpat	tumpat	PROPN
emaj-238	485	16	distric	distric	PROPN
emaj-238	485	17	,	,	PUNCT
emaj-238	485	18	kelantan	kelantan	PROPN
emaj-238	485	19	.	.	PUNCT
emaj-238	486	1	southeast	southeast	ADJ
emaj-238	486	2	asian	asian	PROPN
emaj-238	486	3	journal	journal	PROPN
emaj-238	486	4	of	of	ADP
emaj-238	486	5	tropical	tropical	ADJ
emaj-238	486	6	medicine	medicine	NOUN
emaj-238	486	7	and	and	CCONJ
emaj-238	486	8	public	public	ADJ
emaj-238	486	9	health	health	NOUN
emaj-238	486	10	,	,	PUNCT
emaj-238	486	11	40(2	40(2	NUM
emaj-238	486	12	)	)	PUNCT
emaj-238	486	13	,	,	PUNCT
emaj-238	486	14	330	330	NUM
emaj-238	486	15	.	.	PUNCT
emaj-238	487	1	rahpeima	rahpeima	PROPN
emaj-238	487	2	,	,	PUNCT
emaj-238	487	3	a.	a.	NOUN
emaj-238	487	4	,	,	PUNCT
emaj-238	487	5	vazifedost	vazifedost	PROPN
emaj-238	487	6	,	,	PUNCT
emaj-238	487	7	h.	h.	PROPN
emaj-238	487	8	,	,	PUNCT
emaj-238	487	9	hanzaee	hanzaee	PROPN
emaj-238	487	10	,	,	PUNCT
emaj-238	487	11	k.	k.	PROPN
emaj-238	487	12	h.	h.	PROPN
emaj-238	487	13	,	,	PUNCT
emaj-238	487	14	&	&	CCONJ
emaj-238	487	15	saeednia	saeednia	PROPN
emaj-238	487	16	,	,	PUNCT
emaj-238	487	17	h.	h.	PROPN
emaj-238	487	18	(	(	PUNCT
emaj-238	487	19	2014	2014	NUM
emaj-238	487	20	)	)	PUNCT
emaj-238	487	21	.	.	PUNCT
emaj-238	488	1	attitudes	attitude	NOUN
emaj-238	488	2	toward	toward	ADP
emaj-238	488	3	counterfeit	counterfeit	ADJ
emaj-238	488	4	products	product	NOUN
emaj-238	488	5	and	and	CCONJ
emaj-238	488	6	counterfeit	counterfeit	ADJ
emaj-238	488	7	purchase	purchase	NOUN
emaj-238	488	8	intention	intention	NOUN
emaj-238	488	9	in	in	ADP
emaj-238	488	10	non	non	ADJ
emaj-238	488	11	-	-	ADJ
emaj-238	488	12	deceptive	deceptive	ADJ
emaj-238	488	13	counterfeiting	counterfeiting	NOUN
emaj-238	488	14	:	:	PUNCT
emaj-238	488	15	role	role	NOUN
emaj-238	488	16	of	of	ADP
emaj-238	488	17	conspicuous	conspicuous	ADJ
emaj-238	488	18	consumption	consumption	NOUN
emaj-238	488	19	,	,	PUNCT
emaj-238	488	20	integrity	integrity	NOUN
emaj-238	488	21	and	and	CCONJ
emaj-238	488	22	personal	personal	ADJ
emaj-238	488	23	gratification	gratification	NOUN
emaj-238	488	24	.	.	PUNCT
emaj-238	489	1	walia	walia	PROPN
emaj-238	489	2	journal	journal	PROPN
emaj-238	489	3	,	,	PUNCT
emaj-238	489	4	30(s3	30(s3	NUM
emaj-238	489	5	)	)	PUNCT
emaj-238	489	6	,	,	PUNCT
emaj-238	489	7	59	59	NUM
emaj-238	489	8	-	-	SYM
emaj-238	489	9	66	66	NUM
emaj-238	489	10	.	.	PUNCT
emaj-238	490	1	rana	rana	PROPN
emaj-238	490	2	,	,	PUNCT
emaj-238	490	3	j.	j.	PROPN
emaj-238	490	4	,	,	PUNCT
emaj-238	490	5	&	&	CCONJ
emaj-238	490	6	paul	paul	PROPN
emaj-238	490	7	,	,	PUNCT
emaj-238	490	8	j.	j.	PROPN
emaj-238	490	9	(	(	PUNCT
emaj-238	490	10	2017	2017	NUM
emaj-238	490	11	)	)	PUNCT
emaj-238	490	12	.	.	PUNCT
emaj-238	491	1	consumer	consumer	NOUN
emaj-238	491	2	behavior	behavior	NOUN
emaj-238	491	3	and	and	CCONJ
emaj-238	491	4	purchase	purchase	VERB
emaj-238	491	5	intention	intention	NOUN
emaj-238	491	6	for	for	ADP
emaj-238	491	7	organic	organic	ADJ
emaj-238	491	8	food	food	NOUN
emaj-238	491	9	:	:	PUNCT
emaj-238	491	10	a	a	DET
emaj-238	491	11	review	review	NOUN
emaj-238	491	12	and	and	CCONJ
emaj-238	491	13	research	research	NOUN
emaj-238	491	14	agenda	agenda	NOUN
emaj-238	491	15	.	.	PUNCT
emaj-238	492	1	journal	journal	NOUN
emaj-238	492	2	of	of	ADP
emaj-238	492	3	retailing	retailing	NOUN
emaj-238	492	4	and	and	CCONJ
emaj-238	492	5	consumer	consumer	NOUN
emaj-238	492	6	services	service	NOUN
emaj-238	492	7	,	,	PUNCT
emaj-238	492	8	38	38	NUM
emaj-238	492	9	,	,	PUNCT
emaj-238	492	10	157	157	NUM
emaj-238	492	11	-	-	SYM
emaj-238	492	12	165	165	NUM
emaj-238	492	13	.	.	PUNCT
emaj-238	493	1	ranaweera	ranaweera	NOUN
emaj-238	493	2	,	,	PUNCT
emaj-238	493	3	c.	c.	PROPN
emaj-238	493	4	,	,	PUNCT
emaj-238	493	5	&	&	CCONJ
emaj-238	493	6	neely	neely	PROPN
emaj-238	493	7	,	,	PUNCT
emaj-238	493	8	a.	a.	NOUN
emaj-238	493	9	(	(	PUNCT
emaj-238	493	10	2003	2003	NUM
emaj-238	493	11	)	)	PUNCT
emaj-238	493	12	.	.	PUNCT
emaj-238	494	1	some	some	DET
emaj-238	494	2	moderating	moderate	VERB
emaj-238	494	3	effects	effect	NOUN
emaj-238	494	4	on	on	ADP
emaj-238	494	5	the	the	DET
emaj-238	494	6	service	service	NOUN
emaj-238	494	7	quality‐customer	quality‐customer	NOUN
emaj-238	494	8	retention	retention	NOUN
emaj-238	494	9	link	link	NOUN
emaj-238	494	10	.	.	PUNCT
emaj-238	495	1	international	international	ADJ
emaj-238	495	2	journal	journal	PROPN
emaj-238	495	3	of	of	ADP
emaj-238	495	4	operations	operation	NOUN
emaj-238	495	5	&	&	CCONJ
emaj-238	495	6	production	production	NOUN
emaj-238	495	7	management	management	NOUN
emaj-238	495	8	.	.	PUNCT
emaj-238	496	1	rezvani	rezvani	PROPN
emaj-238	496	2	,	,	PUNCT
emaj-238	496	3	s.	s.	PROPN
emaj-238	496	4	,	,	PUNCT
emaj-238	496	5	dehkordi	dehkordi	PROPN
emaj-238	496	6	,	,	PUNCT
emaj-238	496	7	g.	g.	PROPN
emaj-238	496	8	j.	j.	PROPN
emaj-238	496	9	,	,	PUNCT
emaj-238	496	10	rahman	rahman	PROPN
emaj-238	496	11	,	,	PUNCT
emaj-238	496	12	m.	m.	NOUN
emaj-238	496	13	s.	s.	PROPN
emaj-238	496	14	,	,	PUNCT
emaj-238	496	15	fouladivanda	fouladivanda	PROPN
emaj-238	496	16	,	,	PUNCT
emaj-238	496	17	f.	f.	PROPN
emaj-238	496	18	,	,	PUNCT
emaj-238	496	19	habibi	habibi	PROPN
emaj-238	496	20	,	,	PUNCT
emaj-238	496	21	m.	m.	NOUN
emaj-238	496	22	,	,	PUNCT
emaj-238	496	23	&	&	CCONJ
emaj-238	496	24	eghtebasi	eghtebasi	PROPN
emaj-238	496	25	,	,	PUNCT
emaj-238	496	26	s.	s.	PROPN
emaj-238	496	27	(	(	PUNCT
emaj-238	496	28	2012	2012	NUM
emaj-238	496	29	)	)	PUNCT
emaj-238	496	30	.	.	PUNCT
emaj-238	497	1	a	a	DET
emaj-238	497	2	conceptual	conceptual	ADJ
emaj-238	497	3	study	study	NOUN
emaj-238	497	4	on	on	ADP
emaj-238	497	5	the	the	DET
emaj-238	497	6	country	country	NOUN
emaj-238	497	7	of	of	ADP
emaj-238	497	8	origin	origin	NOUN
emaj-238	497	9	effect	effect	NOUN
emaj-238	497	10	on	on	ADP
emaj-238	497	11	consumer	consumer	NOUN
emaj-238	497	12	purchase	purchase	NOUN
emaj-238	497	13	intention	intention	NOUN
emaj-238	497	14	.	.	PUNCT
emaj-238	498	1	asian	asian	ADJ
emaj-238	498	2	social	social	ADJ
emaj-238	498	3	science	science	NOUN
emaj-238	498	4	,	,	PUNCT
emaj-238	498	5	8(12	8(12	NUM
emaj-238	498	6	)	)	PUNCT
emaj-238	498	7	,	,	PUNCT
emaj-238	498	8	205	205	NUM
emaj-238	498	9	-	-	SYM
emaj-238	498	10	215	215	NUM
emaj-238	498	11	.	.	PUNCT
emaj-238	498	12	robbins	robbins	PROPN
emaj-238	498	13	,	,	PUNCT
emaj-238	498	14	s.	s.	PROPN
emaj-238	498	15	p.	p.	PROPN
emaj-238	498	16	,	,	PUNCT
emaj-238	498	17	judge	judge	NOUN
emaj-238	498	18	,	,	PUNCT
emaj-238	498	19	t.	t.	PROPN
emaj-238	498	20	a.	a.	PROPN
emaj-238	498	21	,	,	PUNCT
emaj-238	498	22	&	&	CCONJ
emaj-238	498	23	sanghi	sanghi	PROPN
emaj-238	498	24	,	,	PUNCT
emaj-238	498	25	s.	s.	PROPN
emaj-238	498	26	(	(	PUNCT
emaj-238	498	27	2007	2007	NUM
emaj-238	498	28	)	)	PUNCT
emaj-238	498	29	.	.	PUNCT
emaj-238	499	1	organizational	organizational	ADJ
emaj-238	499	2	behavior	behavior	NOUN
emaj-238	499	3	[	[	X
emaj-238	499	4	with	with	ADP
emaj-238	499	5	cd	cd	PROPN
emaj-238	499	6	]	]	PUNCT
emaj-238	499	7	.	.	PUNCT
emaj-238	500	1	prenticehall	prenticehall	NOUN
emaj-238	500	2	of	of	ADP
emaj-238	500	3	india	india	PROPN
emaj-238	500	4	.	.	PUNCT
emaj-238	501	1	sabbir	sabbir	PROPN
emaj-238	501	2	,	,	PUNCT
emaj-238	501	3	m.	m.	NOUN
emaj-238	501	4	m.	m.	NOUN
emaj-238	501	5	,	,	PUNCT
emaj-238	501	6	&	&	CCONJ
emaj-238	501	7	jahan	jahan	PROPN
emaj-238	501	8	,	,	PUNCT
emaj-238	501	9	t.	t.	PROPN
emaj-238	501	10	(	(	PUNCT
emaj-238	501	11	2018	2018	NUM
emaj-238	501	12	)	)	PUNCT
emaj-238	501	13	.	.	PUNCT
emaj-238	502	1	investigating	investigate	VERB
emaj-238	502	2	the	the	DET
emaj-238	502	3	antecedents	antecedent	NOUN
emaj-238	502	4	of	of	ADP
emaj-238	502	5	employee	employee	NOUN
emaj-238	502	6	attitude	attitude	NOUN
emaj-238	502	7	towards	towards	ADP
emaj-238	502	8	internet	internet	NOUN
emaj-238	502	9	banking	banking	NOUN
emaj-238	502	10	adoption	adoption	NOUN
emaj-238	502	11	based	base	VERB
emaj-238	502	12	on	on	ADP
emaj-238	502	13	structural	structural	ADJ
emaj-238	502	14	equation	equation	NOUN
emaj-238	502	15	modeling	modeling	NOUN
emaj-238	502	16	.	.	PUNCT
emaj-238	503	1	comilla	comilla	PROPN
emaj-238	503	2	university	university	PROPN
emaj-238	503	3	journal	journal	NOUN
emaj-238	503	4	of	of	ADP
emaj-238	503	5	business	business	NOUN
emaj-238	503	6	studies	study	NOUN
emaj-238	503	7	,	,	PUNCT
emaj-238	503	8	5(1	5(1	NUM
emaj-238	503	9	)	)	PUNCT
emaj-238	503	10	,	,	PUNCT
emaj-238	503	11	123	123	NUM
emaj-238	503	12	-	-	SYM
emaj-238	503	13	141	141	NUM
emaj-238	503	14	.	.	PUNCT
emaj-238	504	1	sheikh	sheikh	PROPN
emaj-238	504	2	ali	ali	PROPN
emaj-238	504	3	,	,	PUNCT
emaj-238	504	4	a.	a.	PROPN
emaj-238	504	5	y.	y.	PROPN
emaj-238	504	6	,	,	PUNCT
emaj-238	504	7	&	&	CCONJ
emaj-238	504	8	jama	jama	PROPN
emaj-238	504	9	,	,	PUNCT
emaj-238	504	10	a.	a.	PROPN
emaj-238	504	11	k.	k.	PROPN
emaj-238	504	12	a.	a.	PROPN
emaj-238	504	13	(	(	PUNCT
emaj-238	504	14	2016	2016	NUM
emaj-238	504	15	)	)	PUNCT
emaj-238	504	16	.	.	PUNCT
emaj-238	505	1	determinants	determinant	NOUN
emaj-238	505	2	of	of	ADP
emaj-238	505	3	islamic	islamic	ADJ
emaj-238	505	4	insurance	insurance	NOUN
emaj-238	505	5	acceptance	acceptance	NOUN
emaj-238	505	6	:	:	PUNCT
emaj-238	505	7	empirical	empirical	ADJ
emaj-238	505	8	evidence	evidence	NOUN
emaj-238	505	9	from	from	ADP
emaj-238	505	10	somalia	somalia	PROPN
emaj-238	505	11	.	.	PUNCT
emaj-238	506	1	european	european	PROPN
emaj-238	506	2	journal	journal	PROPN
emaj-238	506	3	of	of	ADP
emaj-238	506	4	business	business	NOUN
emaj-238	506	5	and	and	CCONJ
emaj-238	506	6	management	management	NOUN
emaj-238	506	7	,	,	PUNCT
emaj-238	506	8	8(15	8(15	NUM
emaj-238	506	9	)	)	PUNCT
emaj-238	506	10	,	,	PUNCT
emaj-238	506	11	102	102	NUM
emaj-238	506	12	-	-	SYM
emaj-238	506	13	108	108	NUM
emaj-238	506	14	.	.	PUNCT
emaj-238	507	1	silva	silva	PROPN
emaj-238	507	2	,	,	PUNCT
emaj-238	507	3	j.	j.	PROPN
emaj-238	507	4	,	,	PUNCT
emaj-238	507	5	pinho	pinho	NOUN
emaj-238	507	6	,	,	PUNCT
emaj-238	507	7	j.	j.	PROPN
emaj-238	507	8	c.	c.	PROPN
emaj-238	507	9	,	,	PUNCT
emaj-238	507	10	soares	soares	PROPN
emaj-238	507	11	,	,	PUNCT
emaj-238	507	12	a.	a.	PROPN
emaj-238	507	13	,	,	PUNCT
emaj-238	507	14	&	&	CCONJ
emaj-238	507	15	sá	sá	PROPN
emaj-238	507	16	,	,	PUNCT
emaj-238	507	17	e.	e.	PROPN
emaj-238	507	18	(	(	PUNCT
emaj-238	507	19	2019	2019	NUM
emaj-238	507	20	)	)	PUNCT
emaj-238	507	21	.	.	PUNCT
emaj-238	508	1	antecedents	antecedent	NOUN
emaj-238	508	2	of	of	ADP
emaj-238	508	3	online	online	ADJ
emaj-238	508	4	purchase	purchase	NOUN
emaj-238	508	5	intention	intention	NOUN
emaj-238	508	6	and	and	CCONJ
emaj-238	508	7	behaviour	behaviour	NOUN
emaj-238	508	8	:	:	PUNCT
emaj-238	508	9	uncovering	uncover	VERB
emaj-238	508	10	unobserved	unobserved	ADJ
emaj-238	508	11	heterogeneity	heterogeneity	NOUN
emaj-238	508	12	.	.	PUNCT
emaj-238	509	1	journal	journal	NOUN
emaj-238	509	2	of	of	ADP
emaj-238	509	3	business	business	NOUN
emaj-238	509	4	economics	economic	NOUN
emaj-238	509	5	and	and	CCONJ
emaj-238	509	6	management	management	NOUN
emaj-238	509	7	,	,	PUNCT
emaj-238	509	8	20(1	20(1	NUM
emaj-238	509	9	)	)	PUNCT
emaj-238	509	10	,	,	PUNCT
emaj-238	509	11	131	131	NUM
emaj-238	509	12	-	-	SYM
emaj-238	509	13	148	148	NUM
emaj-238	509	14	.	.	PUNCT
emaj-238	510	1	skuras	skuras	PROPN
emaj-238	510	2	,	,	PUNCT
emaj-238	510	3	d.	d.	PROPN
emaj-238	510	4	,	,	PUNCT
emaj-238	510	5	dimara	dimara	PROPN
emaj-238	510	6	,	,	PUNCT
emaj-238	510	7	e.	e.	PROPN
emaj-238	510	8	,	,	PUNCT
emaj-238	510	9	&	&	CCONJ
emaj-238	510	10	petrou	petrou	PROPN
emaj-238	510	11	,	,	PUNCT
emaj-238	510	12	a.	a.	NOUN
emaj-238	510	13	(	(	PUNCT
emaj-238	510	14	2006	2006	NUM
emaj-238	510	15	)	)	PUNCT
emaj-238	510	16	.	.	PUNCT
emaj-238	511	1	rural	rural	ADJ
emaj-238	511	2	tourism	tourism	NOUN
emaj-238	511	3	and	and	CCONJ
emaj-238	511	4	visitors	visitor	NOUN
emaj-238	511	5	'	'	PART
emaj-238	511	6	expenditures	expenditure	NOUN
emaj-238	511	7	for	for	ADP
emaj-238	511	8	local	local	ADJ
emaj-238	511	9	food	food	NOUN
emaj-238	511	10	products	product	NOUN
emaj-238	511	11	.	.	PUNCT
emaj-238	512	1	regional	regional	ADJ
emaj-238	512	2	studies	study	NOUN
emaj-238	512	3	,	,	PUNCT
emaj-238	512	4	40(7	40(7	NOUN
emaj-238	512	5	)	)	PUNCT
emaj-238	512	6	,	,	PUNCT
emaj-238	512	7	769	769	NUM
emaj-238	512	8	-	-	SYM
emaj-238	512	9	779	779	NUM
emaj-238	512	10	.	.	PUNCT
emaj-238	513	1	spiers	spiers	PROPN
emaj-238	513	2	,	,	PUNCT
emaj-238	513	3	s.	s.	PROPN
emaj-238	513	4	,	,	PUNCT
emaj-238	513	5	gundala	gundala	PROPN
emaj-238	513	6	,	,	PUNCT
emaj-238	513	7	r.	r.	PROPN
emaj-238	513	8	r.	r.	PROPN
emaj-238	513	9	,	,	PUNCT
emaj-238	513	10	&	&	CCONJ
emaj-238	513	11	singh	singh	PROPN
emaj-238	513	12	,	,	PUNCT
emaj-238	513	13	m.	m.	NOUN
emaj-238	513	14	(	(	PUNCT
emaj-238	513	15	2014	2014	NUM
emaj-238	513	16	)	)	PUNCT
emaj-238	513	17	.	.	PUNCT
emaj-238	514	1	culture	culture	NOUN
emaj-238	514	2	and	and	CCONJ
emaj-238	514	3	consumer	consumer	NOUN
emaj-238	514	4	behavior	behavior	NOUN
emaj-238	514	5	-	-	PUNCT
emaj-238	514	6	a	a	DET
emaj-238	514	7	study	study	NOUN
emaj-238	514	8	of	of	ADP
emaj-238	514	9	trinidad	trinidad	PROPN
emaj-238	514	10	&	&	CCONJ
emaj-238	514	11	tobago	tobago	PROPN
emaj-238	514	12	and	and	CCONJ
emaj-238	514	13	jamaica	jamaica	PROPN
emaj-238	514	14	.	.	PUNCT
emaj-238	515	1	international	international	ADJ
emaj-238	515	2	journal	journal	PROPN
emaj-238	515	3	of	of	ADP
emaj-238	515	4	marketing	marketing	NOUN
emaj-238	515	5	studies	study	NOUN
emaj-238	515	6	,	,	PUNCT
emaj-238	515	7	6(4	6(4	NOUN
emaj-238	515	8	)	)	PUNCT
emaj-238	515	9	,	,	PUNCT
emaj-238	515	10	92	92	NUM
emaj-238	515	11	.	.	PUNCT
emaj-238	515	12	sreen	sreen	PROPN
emaj-238	515	13	,	,	PUNCT
emaj-238	515	14	n.	n.	NOUN
emaj-238	515	15	,	,	PUNCT
emaj-238	515	16	purbey	purbey	PROPN
emaj-238	515	17	,	,	PUNCT
emaj-238	515	18	s.	s.	PROPN
emaj-238	515	19	,	,	PUNCT
emaj-238	515	20	&	&	CCONJ
emaj-238	515	21	sadarangani	sadarangani	PROPN
emaj-238	515	22	,	,	PUNCT
emaj-238	515	23	p.	p.	NOUN
emaj-238	515	24	(	(	PUNCT
emaj-238	515	25	2018	2018	NUM
emaj-238	515	26	)	)	PUNCT
emaj-238	515	27	.	.	PUNCT
emaj-238	516	1	impact	impact	NOUN
emaj-238	516	2	of	of	ADP
emaj-238	516	3	culture	culture	NOUN
emaj-238	516	4	,	,	PUNCT
emaj-238	516	5	behavior	behavior	NOUN
emaj-238	516	6	and	and	CCONJ
emaj-238	516	7	gender	gender	NOUN
emaj-238	516	8	on	on	ADP
emaj-238	516	9	green	green	ADJ
emaj-238	516	10	purchase	purchase	NOUN
emaj-238	516	11	intention	intention	NOUN
emaj-238	516	12	.	.	PUNCT
emaj-238	517	1	journal	journal	NOUN
emaj-238	517	2	of	of	ADP
emaj-238	517	3	retailing	retailing	NOUN
emaj-238	517	4	and	and	CCONJ
emaj-238	517	5	consumer	consumer	NOUN
emaj-238	517	6	services	service	NOUN
emaj-238	517	7	,	,	PUNCT
emaj-238	517	8	41	41	NUM
emaj-238	517	9	,	,	PUNCT
emaj-238	517	10	177	177	NUM
emaj-238	517	11	-	-	SYM
emaj-238	517	12	189	189	NUM
emaj-238	517	13	.	.	PUNCT
emaj-238	517	14	stevens	stevens	PROPN
emaj-238	517	15	-	-	PUNCT
emaj-238	517	16	benefo	benefo	PROPN
emaj-238	517	17	,	,	PUNCT
emaj-238	517	18	h.	h.	PROPN
emaj-238	517	19	(	(	PUNCT
emaj-238	517	20	2015	2015	NUM
emaj-238	517	21	)	)	PUNCT
emaj-238	517	22	.	.	PUNCT
emaj-238	518	1	perceptions	perception	NOUN
emaj-238	518	2	of	of	ADP
emaj-238	518	3	home	home	NOUN
emaj-238	518	4	and	and	CCONJ
emaj-238	518	5	small	small	ADJ
emaj-238	518	6	business	business	NOUN
emaj-238	518	7	owners	owner	NOUN
emaj-238	518	8	on	on	ADP
emaj-238	518	9	insurance	insurance	NOUN
emaj-238	518	10	in	in	ADP
emaj-238	518	11	accra	accra	NOUN
emaj-238	518	12	,	,	PUNCT
emaj-238	518	13	ghana	ghana	PROPN
emaj-238	518	14	.	.	PUNCT
emaj-238	519	1	volume	volume	NOUN
emaj-238	519	2	12	12	NUM
emaj-238	519	3	no	no	DET
emaj-238	519	4	1	1	NUM
emaj-238	519	5	(	(	PUNCT
emaj-238	519	6	2022	2022	NUM
emaj-238	519	7	)	)	PUNCT
emaj-238	519	8	|	|	ADV
emaj-238	519	9	issn	issn	VERB
emaj-238	519	10	2158	2158	NUM
emaj-238	519	11	-	-	SYM
emaj-238	519	12	8708	8708	NUM
emaj-238	519	13	(	(	PUNCT
emaj-238	519	14	online	online	NOUN
emaj-238	519	15	)	)	PUNCT
emaj-238	519	16	|	|	ADV
emaj-238	519	17	doi	doi	X
emaj-238	519	18	10.5195	10.5195	NUM
emaj-238	519	19	/	/	SYM
emaj-238	519	20	emaj.2022.238	emaj.2022.238	NOUN
emaj-238	519	21	|	|	NOUN
emaj-238	519	22	http://emaj.pitt.edu	http://emaj.pitt.edu	PROPN
emaj-238	519	23	francis	francis	PROPN
emaj-238	519	24	osei	osei	PROPN
emaj-238	519	25	,	,	PUNCT
emaj-238	519	26	christian	christian	PROPN
emaj-238	519	27	narh	narh	NOUN
emaj-238	519	28	opata	opata	NOUN
emaj-238	519	29	,	,	PUNCT
emaj-238	519	30	collins	collins	PROPN
emaj-238	519	31	kankam	kankam	PROPN
emaj-238	519	32	-	-	PUNCT
emaj-238	519	33	kwarteng	kwarteng	PROPN
emaj-238	519	34	,	,	PUNCT
emaj-238	519	35	daniel	daniel	PROPN
emaj-238	519	36	ofori	ofori	ADV
emaj-238	519	37	emerging	emerge	VERB
emaj-238	519	38	markets	market	NOUN
emaj-238	519	39	journal	journal	NOUN
emaj-238	519	40	|	|	ADV
emaj-238	519	41	p	p	NOUN
emaj-238	519	42	a	a	DET
emaj-238	519	43	g	g	NOUN
emaj-238	519	44	e	e	NOUN
emaj-238	519	45	2	2	NUM
emaj-238	519	46	5	5	NUM
emaj-238	519	47	tabachnick	tabachnick	NOUN
emaj-238	519	48	,	,	PUNCT
emaj-238	519	49	b.	b.	PROPN
emaj-238	519	50	g.	g.	PROPN
emaj-238	519	51	,	,	PUNCT
emaj-238	519	52	&	&	CCONJ
emaj-238	519	53	fidell	fidell	PROPN
emaj-238	519	54	,	,	PUNCT
emaj-238	519	55	l.	l.	PROPN
emaj-238	519	56	s.	s.	PROPN
emaj-238	519	57	(	(	PUNCT
emaj-238	519	58	2014	2014	NUM
emaj-238	519	59	)	)	PUNCT
emaj-238	519	60	.	.	PUNCT
emaj-238	520	1	using	use	VERB
emaj-238	520	2	multivariate	multivariate	NOUN
emaj-238	520	3	statistics	statistic	NOUN
emaj-238	520	4	:	:	PUNCT
emaj-238	520	5	pearson	pearson	PROPN
emaj-238	520	6	new	new	PROPN
emaj-238	520	7	international	international	PROPN
emaj-238	520	8	edition	edition	PROPN
emaj-238	520	9	.	.	PUNCT
emaj-238	521	1	pearson	pearson	PROPN
emaj-238	521	2	.	.	PROPN
emaj-238	522	1	taylor	taylor	PROPN
emaj-238	522	2	,	,	PUNCT
emaj-238	522	3	j.	j.	PROPN
emaj-238	522	4	(	(	PUNCT
emaj-238	522	5	2010	2010	NUM
emaj-238	522	6	)	)	PUNCT
emaj-238	522	7	.	.	PUNCT
emaj-238	523	1	public	public	ADJ
emaj-238	523	2	service	service	NOUN
emaj-238	523	3	motivation	motivation	NOUN
emaj-238	523	4	,	,	PUNCT
emaj-238	523	5	civic	civic	ADJ
emaj-238	523	6	attitudes	attitude	NOUN
emaj-238	523	7	and	and	CCONJ
emaj-238	523	8	actions	action	NOUN
emaj-238	523	9	of	of	ADP
emaj-238	523	10	public	public	ADJ
emaj-238	523	11	,	,	PUNCT
emaj-238	523	12	nonprofit	nonprofit	ADJ
emaj-238	523	13	and	and	CCONJ
emaj-238	523	14	private	private	ADJ
emaj-238	523	15	sector	sector	NOUN
emaj-238	523	16	employees	employee	NOUN
emaj-238	523	17	.	.	PUNCT
emaj-238	524	1	public	public	ADJ
emaj-238	524	2	administration	administration	NOUN
emaj-238	524	3	,	,	PUNCT
emaj-238	524	4	88(4	88(4	NUM
emaj-238	524	5	)	)	PUNCT
emaj-238	524	6	,	,	PUNCT
emaj-238	524	7	1083	1083	NUM
emaj-238	524	8	-	-	SYM
emaj-238	524	9	1098	1098	NUM
emaj-238	524	10	.	.	PUNCT
emaj-238	525	1	teas	tea	NOUN
emaj-238	525	2	,	,	PUNCT
emaj-238	525	3	r.	r.	PROPN
emaj-238	525	4	k.	k.	PROPN
emaj-238	525	5	(	(	PUNCT
emaj-238	525	6	1993	1993	NUM
emaj-238	525	7	)	)	PUNCT
emaj-238	525	8	.	.	PUNCT
emaj-238	526	1	expectations	expectation	NOUN
emaj-238	526	2	,	,	PUNCT
emaj-238	526	3	performance	performance	NOUN
emaj-238	526	4	evaluation	evaluation	NOUN
emaj-238	526	5	,	,	PUNCT
emaj-238	526	6	and	and	CCONJ
emaj-238	526	7	consumers	consumer	NOUN
emaj-238	526	8	’	’	PART
emaj-238	526	9	perceptions	perception	NOUN
emaj-238	526	10	of	of	ADP
emaj-238	526	11	quality	quality	NOUN
emaj-238	526	12	.	.	PUNCT
emaj-238	527	1	journal	journal	PROPN
emaj-238	527	2	of	of	ADP
emaj-238	527	3	marketing	marketing	NOUN
emaj-238	527	4	,	,	PUNCT
emaj-238	527	5	57(4	57(4	NUM
emaj-238	527	6	)	)	PUNCT
emaj-238	527	7	,	,	PUNCT
emaj-238	527	8	18	18	NUM
emaj-238	527	9	-	-	SYM
emaj-238	527	10	34	34	NUM
emaj-238	527	11	.	.	PUNCT
emaj-238	528	1	uddin	uddin	PROPN
emaj-238	528	2	,	,	PUNCT
emaj-238	528	3	m.	m.	PROPN
emaj-238	528	4	r.	r.	PROPN
emaj-238	528	5	,	,	PUNCT
emaj-238	528	6	mamun	mamun	PROPN
emaj-238	528	7	,	,	PUNCT
emaj-238	528	8	a.	a.	PROPN
emaj-238	528	9	m.	m.	PROPN
emaj-238	528	10	a.	a.	PROPN
emaj-238	528	11	,	,	PUNCT
emaj-238	528	12	hoque	hoque	NOUN
emaj-238	528	13	,	,	PUNCT
emaj-238	528	14	n.	n.	NOUN
emaj-238	528	15	,	,	PUNCT
emaj-238	528	16	&	&	CCONJ
emaj-238	528	17	uddin	uddin	PROPN
emaj-238	528	18	,	,	PUNCT
emaj-238	528	19	m.	m.	NOUN
emaj-238	528	20	s.	s.	PROPN
emaj-238	528	21	(	(	PUNCT
emaj-238	528	22	2013	2013	NUM
emaj-238	528	23	)	)	PUNCT
emaj-238	528	24	.	.	PUNCT
emaj-238	529	1	work	work	NOUN
emaj-238	529	2	-	-	PUNCT
emaj-238	529	3	life	life	NOUN
emaj-238	529	4	balance	balance	NOUN
emaj-238	529	5	:	:	PUNCT
emaj-238	529	6	a	a	DET
emaj-238	529	7	study	study	NOUN
emaj-238	529	8	on	on	ADP
emaj-238	529	9	female	female	ADJ
emaj-238	529	10	teachers	teacher	NOUN
emaj-238	529	11	of	of	ADP
emaj-238	529	12	private	private	ADJ
emaj-238	529	13	education	education	NOUN
emaj-238	529	14	institutions	institution	NOUN
emaj-238	529	15	of	of	ADP
emaj-238	529	16	bangladesh	bangladesh	PROPN
emaj-238	529	17	.	.	PUNCT
emaj-238	530	1	work	work	NOUN
emaj-238	530	2	,	,	PUNCT
emaj-238	530	3	5(13	5(13	NUM
emaj-238	530	4	)	)	PUNCT
emaj-238	530	5	.	.	PUNCT
emaj-238	531	1	udry	udry	ADJ
emaj-238	531	2	,	,	PUNCT
emaj-238	531	3	c.	c.	PROPN
emaj-238	531	4	(	(	PUNCT
emaj-238	531	5	1994	1994	NUM
emaj-238	531	6	)	)	PUNCT
emaj-238	531	7	.	.	PUNCT
emaj-238	532	1	risk	risk	NOUN
emaj-238	532	2	and	and	CCONJ
emaj-238	532	3	insurance	insurance	NOUN
emaj-238	532	4	in	in	ADP
emaj-238	532	5	a	a	DET
emaj-238	532	6	rural	rural	ADJ
emaj-238	532	7	credit	credit	NOUN
emaj-238	532	8	market	market	NOUN
emaj-238	532	9	:	:	PUNCT
emaj-238	532	10	an	an	DET
emaj-238	532	11	empirical	empirical	ADJ
emaj-238	532	12	investigation	investigation	NOUN
emaj-238	532	13	in	in	ADP
emaj-238	532	14	northern	northern	PROPN
emaj-238	532	15	nigeria	nigeria	PROPN
emaj-238	532	16	.	.	PUNCT
emaj-238	533	1	the	the	DET
emaj-238	533	2	review	review	NOUN
emaj-238	533	3	of	of	ADP
emaj-238	533	4	economic	economic	ADJ
emaj-238	533	5	studies	study	NOUN
emaj-238	533	6	,	,	PUNCT
emaj-238	533	7	61(3	61(3	NUM
emaj-238	533	8	)	)	PUNCT
emaj-238	533	9	,	,	PUNCT
emaj-238	533	10	495	495	NUM
emaj-238	533	11	-	-	SYM
emaj-238	533	12	526	526	NUM
emaj-238	533	13	.	.	PUNCT
emaj-238	534	1	wang	wang	PROPN
emaj-238	534	2	,	,	PUNCT
emaj-238	534	3	x.	x.	PROPN
emaj-238	534	4	,	,	PUNCT
emaj-238	534	5	&	&	CCONJ
emaj-238	534	6	yang	yang	PROPN
emaj-238	534	7	,	,	PUNCT
emaj-238	534	8	z.	z.	PROPN
emaj-238	534	9	(	(	PUNCT
emaj-238	534	10	2008	2008	NUM
emaj-238	534	11	)	)	PUNCT
emaj-238	534	12	.	.	PUNCT
emaj-238	535	1	does	do	AUX
emaj-238	535	2	country‐of‐origin	country‐of‐origin	VERB
emaj-238	535	3	matter	matter	NOUN
emaj-238	535	4	in	in	ADP
emaj-238	535	5	the	the	DET
emaj-238	535	6	relationship	relationship	NOUN
emaj-238	535	7	between	between	ADP
emaj-238	535	8	brand	brand	NOUN
emaj-238	535	9	personality	personality	NOUN
emaj-238	535	10	and	and	CCONJ
emaj-238	535	11	purchase	purchase	VERB
emaj-238	535	12	intention	intention	NOUN
emaj-238	535	13	in	in	ADP
emaj-238	535	14	emerging	emerge	VERB
emaj-238	535	15	economies	economy	NOUN
emaj-238	535	16	?	?	PUNCT
emaj-238	536	1	evidence	evidence	NOUN
emaj-238	536	2	from	from	ADP
emaj-238	536	3	china	china	PROPN
emaj-238	536	4	's	's	PART
emaj-238	536	5	auto	auto	NOUN
emaj-238	536	6	industry	industry	NOUN
emaj-238	536	7	.	.	PUNCT
emaj-238	537	1	international	international	ADJ
emaj-238	537	2	marketing	marketing	NOUN
emaj-238	537	3	review	review	NOUN
emaj-238	537	4	.	.	PUNCT
emaj-238	538	1	woloshin	woloshin	PROPN
emaj-238	538	2	,	,	PUNCT
emaj-238	538	3	s.	s.	PROPN
emaj-238	538	4	,	,	PUNCT
emaj-238	538	5	&	&	CCONJ
emaj-238	538	6	schwartz	schwartz	PROPN
emaj-238	538	7	,	,	PUNCT
emaj-238	538	8	l.	l.	PROPN
emaj-238	538	9	m.	m.	PROPN
emaj-238	538	10	(	(	PUNCT
emaj-238	538	11	2002	2002	NUM
emaj-238	538	12	)	)	PUNCT
emaj-238	538	13	.	.	PUNCT
emaj-238	539	1	press	press	NOUN
emaj-238	539	2	releases	release	NOUN
emaj-238	539	3	:	:	PUNCT
emaj-238	539	4	translating	translate	VERB
emaj-238	539	5	research	research	NOUN
emaj-238	539	6	into	into	ADP
emaj-238	539	7	news	news	NOUN
emaj-238	539	8	.	.	PUNCT
emaj-238	540	1	jama	jama	PROPN
emaj-238	540	2	,	,	PUNCT
emaj-238	540	3	287(21	287(21	NUM
emaj-238	540	4	)	)	PUNCT
emaj-238	540	5	,	,	PUNCT
emaj-238	540	6	2856	2856	NUM
emaj-238	540	7	-	-	SYM
emaj-238	540	8	2858	2858	NUM
emaj-238	540	9	.	.	PUNCT
emaj-238	541	1	wursten	wursten	PROPN
emaj-238	541	2	,	,	PUNCT
emaj-238	541	3	h.	h.	PROPN
emaj-238	541	4	,	,	PUNCT
emaj-238	541	5	&	&	CCONJ
emaj-238	541	6	fadrhonc	fadrhonc	PROPN
emaj-238	541	7	,	,	PUNCT
emaj-238	541	8	t.	t.	PROPN
emaj-238	541	9	(	(	PUNCT
emaj-238	541	10	2012	2012	NUM
emaj-238	541	11	)	)	PUNCT
emaj-238	541	12	.	.	PUNCT
emaj-238	542	1	international	international	ADJ
emaj-238	542	2	marketing	marketing	NOUN
emaj-238	542	3	and	and	CCONJ
emaj-238	542	4	culture	culture	NOUN
emaj-238	542	5	.	.	PUNCT
emaj-238	543	1	itim	itim	ADJ
emaj-238	543	2	international	international	ADJ
emaj-238	543	3	,	,	PUNCT
emaj-238	543	4	1(9	1(9	NUM
emaj-238	543	5	)	)	PUNCT
emaj-238	543	6	.	.	PUNCT
emaj-238	544	1	yakup	yakup	PROPN
emaj-238	544	2	,	,	PUNCT
emaj-238	544	3	d.	d.	PROPN
emaj-238	544	4	,	,	PUNCT
emaj-238	544	5	mücahit	mücahit	PROPN
emaj-238	544	6	,	,	PUNCT
emaj-238	544	7	d.	d.	PROPN
emaj-238	544	8	c.	c.	PROPN
emaj-238	544	9	,	,	PUNCT
emaj-238	544	10	&	&	CCONJ
emaj-238	544	11	reyhan	reyhan	PROPN
emaj-238	544	12	,	,	PUNCT
emaj-238	544	13	o.	o.	PROPN
emaj-238	544	14	(	(	PUNCT
emaj-238	544	15	2011	2011	NUM
emaj-238	544	16	)	)	PUNCT
emaj-238	544	17	.	.	PUNCT
emaj-238	545	1	the	the	DET
emaj-238	545	2	impact	impact	NOUN
emaj-238	545	3	of	of	ADP
emaj-238	545	4	cultural	cultural	ADJ
emaj-238	545	5	factors	factor	NOUN
emaj-238	545	6	on	on	ADP
emaj-238	545	7	the	the	DET
emaj-238	545	8	consumer	consumer	NOUN
emaj-238	545	9	buying	buying	NOUN
emaj-238	545	10	behaviors	behavior	NOUN
emaj-238	545	11	examined	examine	VERB
emaj-238	545	12	through	through	ADP
emaj-238	545	13	an	an	DET
emaj-238	545	14	impirical	impirical	ADJ
emaj-238	545	15	study	study	NOUN
emaj-238	545	16	.	.	PUNCT
emaj-238	546	1	international	international	ADJ
emaj-238	546	2	journal	journal	PROPN
emaj-238	546	3	of	of	ADP
emaj-238	546	4	business	business	NOUN
emaj-238	546	5	and	and	CCONJ
emaj-238	546	6	social	social	ADJ
emaj-238	546	7	science	science	NOUN
emaj-238	546	8	,	,	PUNCT
emaj-238	546	9	2(5	2(5	NUM
emaj-238	546	10	)	)	PUNCT
emaj-238	546	11	,	,	PUNCT
emaj-238	546	12	109	109	NUM
emaj-238	546	13	-	-	SYM
emaj-238	546	14	114	114	NUM
emaj-238	546	15	.	.	PUNCT
emaj-238	547	1	yusuf	yusuf	PROPN
emaj-238	547	2	,	,	PUNCT
emaj-238	547	3	t.	t.	PROPN
emaj-238	547	4	o.	o.	PROPN
emaj-238	547	5	,	,	PUNCT
emaj-238	547	6	gbadamosi	gbadamosi	PROPN
emaj-238	547	7	,	,	PUNCT
emaj-238	547	8	a.	a.	NOUN
emaj-238	547	9	,	,	PUNCT
emaj-238	547	10	&	&	CCONJ
emaj-238	547	11	hamadu	hamadu	PROPN
emaj-238	547	12	,	,	PUNCT
emaj-238	547	13	d.	d.	PROPN
emaj-238	547	14	(	(	PUNCT
emaj-238	547	15	2009	2009	NUM
emaj-238	547	16	)	)	PUNCT
emaj-238	547	17	.	.	PUNCT
emaj-238	548	1	attitudes	attitude	NOUN
emaj-238	548	2	of	of	ADP
emaj-238	548	3	nigerians	nigerians	PROPN
emaj-238	548	4	towards	towards	ADP
emaj-238	548	5	insurance	insurance	NOUN
emaj-238	548	6	services	service	NOUN
emaj-238	548	7	:	:	PUNCT
emaj-238	548	8	an	an	DET
emaj-238	548	9	empirical	empirical	ADJ
emaj-238	548	10	study	study	NOUN
emaj-238	548	11	.	.	PUNCT
emaj-238	549	1	african	african	ADJ
emaj-238	549	2	journal	journal	PROPN
emaj-238	549	3	of	of	ADP
emaj-238	549	4	accounting	accounting	NOUN
emaj-238	549	5	,	,	PUNCT
emaj-238	549	6	economics	economic	NOUN
emaj-238	549	7	,	,	PUNCT
emaj-238	549	8	finance	finance	NOUN
emaj-238	549	9	and	and	CCONJ
emaj-238	549	10	banking	banking	NOUN
emaj-238	549	11	research	research	NOUN
emaj-238	549	12	,	,	PUNCT
emaj-238	549	13	4(4	4(4	NUM
emaj-238	549	14	)	)	PUNCT
emaj-238	549	15	.	.	PUNCT
emaj-238	550	1	zhang	zhang	PROPN
emaj-238	550	2	,	,	PUNCT
emaj-238	550	3	m.	m.	NOUN
emaj-238	550	4	,	,	PUNCT
emaj-238	550	5	qin	qin	PROPN
emaj-238	550	6	,	,	PUNCT
emaj-238	550	7	f.	f.	PROPN
emaj-238	550	8	,	,	PUNCT
emaj-238	550	9	wang	wang	PROPN
emaj-238	550	10	,	,	PUNCT
emaj-238	550	11	g.	g.	PROPN
emaj-238	550	12	a.	a.	PROPN
emaj-238	550	13	,	,	PUNCT
emaj-238	550	14	&	&	CCONJ
emaj-238	550	15	luo	luo	PROPN
emaj-238	550	16	,	,	PUNCT
emaj-238	550	17	c.	c.	PROPN
emaj-238	550	18	(	(	PUNCT
emaj-238	550	19	2020	2020	NUM
emaj-238	550	20	)	)	PUNCT
emaj-238	550	21	.	.	PUNCT
emaj-238	551	1	the	the	DET
emaj-238	551	2	impact	impact	NOUN
emaj-238	551	3	of	of	ADP
emaj-238	551	4	live	live	ADJ
emaj-238	551	5	video	video	NOUN
emaj-238	551	6	streaming	streaming	NOUN
emaj-238	551	7	on	on	ADP
emaj-238	551	8	online	online	ADJ
emaj-238	551	9	purchase	purchase	NOUN
emaj-238	551	10	intention	intention	NOUN
emaj-238	551	11	.	.	PUNCT
emaj-238	552	1	the	the	DET
emaj-238	552	2	service	service	NOUN
emaj-238	552	3	industries	industry	NOUN
emaj-238	552	4	journal	journal	NOUN
emaj-238	552	5	,	,	PUNCT
emaj-238	552	6	40(9	40(9	NUM
emaj-238	552	7	-	-	SYM
emaj-238	552	8	10	10	NUM
emaj-238	552	9	)	)	PUNCT
emaj-238	552	10	,	,	PUNCT
emaj-238	552	11	656	656	NUM
emaj-238	552	12	-	-	SYM
emaj-238	552	13	681	681	NUM
emaj-238	552	14	.	.	PUNCT