id	sid	tid	token	lemma	pos
esutjss-259	1	1	volume	volume	NOUN
esutjss-259	1	2	10	10	NUM
esutjss-259	1	3	number	number	NOUN
esutjss-259	1	4	1	1	NUM
esutjss-259	1	5	,	,	PUNCT
esutjss-259	1	6	2025	2025	NUM
esutjss-259	1	7	faculty	faculty	NOUN
esutjss-259	1	8	of	of	ADP
esutjss-259	1	9	social	social	ADJ
esutjss-259	1	10	sciences	science	NOUN
esutjss-259	1	11	,	,	PUNCT
esutjss-259	1	12	enugu	enugu	PROPN
esutjss-259	1	13	state	state	PROPN
esutjss-259	1	14	university	university	PROPN
esutjss-259	1	15	of	of	ADP
esutjss-259	1	16	science	science	NOUN
esutjss-259	1	17	and	and	CCONJ
esutjss-259	1	18	technology	technology	NOUN
esutjss-259	1	19	editor	editor	NOUN
esutjss-259	1	20	-	-	PUNCT
esutjss-259	1	21	in	in	ADP
esutjss-259	1	22	-	-	PUNCT
esutjss-259	1	23	chief	chief	NOUN
esutjss-259	1	24	prof	prof	NOUN
esutjss-259	1	25	.	.	PUNCT
esutjss-259	2	1	nicholas	nicholas	PROPN
esutjss-259	2	2	attamah	attamah	VERB
esutjss-259	2	3	managing	manage	VERB
esutjss-259	2	4	editor	editor	NOUN
esutjss-259	2	5	prof	prof	PROPN
esutjss-259	2	6	.	.	PUNCT
esutjss-259	3	1	barnabas	barnabas	PROPN
esutjss-259	3	2	nwankwo	nwankwo	PROPN
esutjss-259	3	3	published	publish	VERB
esutjss-259	3	4	by	by	ADP
esutjss-259	3	5	enugu	enugu	PROPN
esutjss-259	3	6	state	state	PROPN
esutjss-259	3	7	university	university	PROPN
esutjss-259	3	8	of	of	ADP
esutjss-259	3	9	science	science	PROPN
esutjss-259	3	10	&	&	CCONJ
esutjss-259	3	11	technology	technology	PROPN
esutjss-259	3	12	journal	journal	NOUN
esutjss-259	3	13	of	of	ADP
esutjss-259	3	14	social	social	PROPN
esutjss-259	3	15	sciences	sciences	PROPN
esutjss-259	3	16	&	&	CCONJ
esutjss-259	3	17	humanities	humanity	NOUN
esutjss-259	3	18	65	65	NUM
esutjss-259	3	19	financial	financial	ADJ
esutjss-259	3	20	inclusion	inclusion	NOUN
esutjss-259	3	21	and	and	CCONJ
esutjss-259	3	22	income	income	NOUN
esutjss-259	3	23	inequality	inequality	NOUN
esutjss-259	3	24	in	in	ADP
esutjss-259	3	25	west	west	PROPN
esutjss-259	3	26	africa	africa	PROPN
esutjss-259	3	27	emeka	emeka	PROPN
esutjss-259	3	28	eze	eze	PROPN
esutjss-259	3	29	chukwuma	chukwuma	PROPN
esutjss-259	3	30	-	-	PUNCT
esutjss-259	3	31	ogbonna	ogbonna	NOUN
esutjss-259	3	32	joyce	joyce	PROPN
esutjss-259	3	33	ogbonna	ogbonna	PROPN
esutjss-259	3	34	chukwuma	chukwuma	PROPN
esutjss-259	3	35	department	department	PROPN
esutjss-259	3	36	of	of	ADP
esutjss-259	3	37	economics	economic	NOUN
esutjss-259	3	38	,	,	PUNCT
esutjss-259	3	39	michael	michael	PROPN
esutjss-259	3	40	okpara	okpara	PROPN
esutjss-259	3	41	university	university	PROPN
esutjss-259	3	42	of	of	ADP
esutjss-259	3	43	agriculture	agriculture	PROPN
esutjss-259	3	44	,	,	PUNCT
esutjss-259	3	45	umudike	umudike	NOUN
esutjss-259	3	46	.	.	PUNCT
esutjss-259	4	1	corresponding	correspond	VERB
esutjss-259	4	2	author	author	NOUN
esutjss-259	4	3	's	's	PART
esutjss-259	4	4	email	email	NOUN
esutjss-259	4	5	:	:	PUNCT
esutjss-259	4	6	chuksgabriel40@yahoo.com	chuksgabriel40@yahoo.com	X
esutjss-259	4	7	abstract	abstract	ADJ
esutjss-259	4	8	the	the	DET
esutjss-259	4	9	study	study	NOUN
esutjss-259	4	10	investigated	investigate	VERB
esutjss-259	4	11	the	the	DET
esutjss-259	4	12	effect	effect	NOUN
esutjss-259	4	13	of	of	ADP
esutjss-259	4	14	financial	financial	ADJ
esutjss-259	4	15	inclusion	inclusion	NOUN
esutjss-259	4	16	on	on	ADP
esutjss-259	4	17	inequality	inequality	NOUN
esutjss-259	4	18	in	in	ADP
esutjss-259	4	19	west	west	PROPN
esutjss-259	4	20	africa	africa	PROPN
esutjss-259	4	21	.	.	PUNCT
esutjss-259	5	1	the	the	DET
esutjss-259	5	2	study	study	NOUN
esutjss-259	5	3	used	use	VERB
esutjss-259	5	4	data	datum	NOUN
esutjss-259	5	5	from	from	ADP
esutjss-259	5	6	13	13	NUM
esutjss-259	5	7	west	west	ADJ
esutjss-259	5	8	african	african	ADJ
esutjss-259	5	9	countries	country	NOUN
esutjss-259	5	10	for	for	ADP
esutjss-259	5	11	which	which	PRON
esutjss-259	5	12	data	datum	NOUN
esutjss-259	5	13	were	be	AUX
esutjss-259	5	14	available	available	ADJ
esutjss-259	5	15	.	.	PUNCT
esutjss-259	6	1	data	datum	NOUN
esutjss-259	6	2	on	on	ADP
esutjss-259	6	3	gini	gini	PROPN
esutjss-259	6	4	coefficient	coefficient	PROPN
esutjss-259	6	5	,	,	PUNCT
esutjss-259	6	6	human	human	ADJ
esutjss-259	6	7	development	development	NOUN
esutjss-259	6	8	index	index	NOUN
esutjss-259	6	9	,	,	PUNCT
esutjss-259	6	10	financial	financial	ADJ
esutjss-259	6	11	inclusion	inclusion	NOUN
esutjss-259	6	12	index	index	NOUN
esutjss-259	6	13	,	,	PUNCT
esutjss-259	6	14	per	per	ADP
esutjss-259	6	15	capita	capita	NOUN
esutjss-259	6	16	income	income	NOUN
esutjss-259	6	17	,	,	PUNCT
esutjss-259	6	18	government	government	NOUN
esutjss-259	6	19	expenditure	expenditure	NOUN
esutjss-259	6	20	,	,	PUNCT
esutjss-259	6	21	inflation	inflation	NOUN
esutjss-259	6	22	,	,	PUNCT
esutjss-259	6	23	dependency	dependency	NOUN
esutjss-259	6	24	ratio	ratio	NOUN
esutjss-259	6	25	,	,	PUNCT
esutjss-259	6	26	mean	mean	VERB
esutjss-259	6	27	school	school	NOUN
esutjss-259	6	28	years	year	NOUN
esutjss-259	6	29	,	,	PUNCT
esutjss-259	6	30	voice	voice	NOUN
esutjss-259	6	31	and	and	CCONJ
esutjss-259	6	32	accountability	accountability	NOUN
esutjss-259	6	33	and	and	CCONJ
esutjss-259	6	34	trade	trade	NOUN
esutjss-259	6	35	openness	openness	NOUN
esutjss-259	6	36	was	be	AUX
esutjss-259	6	37	used	use	VERB
esutjss-259	6	38	in	in	ADP
esutjss-259	6	39	the	the	DET
esutjss-259	6	40	analysis	analysis	NOUN
esutjss-259	6	41	.	.	PUNCT
esutjss-259	7	1	also	also	ADV
esutjss-259	7	2	,	,	PUNCT
esutjss-259	7	3	the	the	DET
esutjss-259	7	4	study	study	NOUN
esutjss-259	7	5	constructed	construct	VERB
esutjss-259	7	6	a	a	DET
esutjss-259	7	7	financial	financial	ADJ
esutjss-259	7	8	inclusion	inclusion	NOUN
esutjss-259	7	9	index	index	NOUN
esutjss-259	7	10	using	use	VERB
esutjss-259	7	11	data	datum	NOUN
esutjss-259	7	12	on	on	ADP
esutjss-259	7	13	credit	credit	NOUN
esutjss-259	7	14	to	to	ADP
esutjss-259	7	15	the	the	DET
esutjss-259	7	16	private	private	ADJ
esutjss-259	7	17	sector	sector	NOUN
esutjss-259	7	18	,	,	PUNCT
esutjss-259	7	19	number	number	NOUN
esutjss-259	7	20	of	of	ADP
esutjss-259	7	21	bank	bank	NOUN
esutjss-259	7	22	brancher	brancher	PROPN
esutjss-259	7	23	per	per	ADP
esutjss-259	7	24	100000	100000	NUM
esutjss-259	7	25	of	of	ADP
esutjss-259	7	26	the	the	DET
esutjss-259	7	27	population	population	NOUN
esutjss-259	7	28	and	and	CCONJ
esutjss-259	7	29	bank	bank	NOUN
esutjss-259	7	30	account	account	NOUN
esutjss-259	7	31	ownership	ownership	NOUN
esutjss-259	7	32	per	per	ADP
esutjss-259	7	33	thousand	thousand	NUM
esutjss-259	7	34	of	of	ADP
esutjss-259	7	35	the	the	DET
esutjss-259	7	36	population	population	NOUN
esutjss-259	7	37	.	.	PUNCT
esutjss-259	8	1	empirically	empirically	ADV
esutjss-259	8	2	,	,	PUNCT
esutjss-259	8	3	the	the	DET
esutjss-259	8	4	study	study	NOUN
esutjss-259	8	5	applied	apply	VERB
esutjss-259	8	6	panel	panel	NOUN
esutjss-259	8	7	ols	ol	NOUN
esutjss-259	8	8	panel	panel	NOUN
esutjss-259	8	9	fixed	fix	VERB
esutjss-259	8	10	effect	effect	NOUN
esutjss-259	8	11	and	and	CCONJ
esutjss-259	8	12	panel	panel	NOUN
esutjss-259	8	13	random	random	ADJ
esutjss-259	8	14	effect	effect	NOUN
esutjss-259	8	15	estimators	estimator	NOUN
esutjss-259	8	16	to	to	PART
esutjss-259	8	17	evaluate	evaluate	VERB
esutjss-259	8	18	the	the	DET
esutjss-259	8	19	objectives	objective	NOUN
esutjss-259	8	20	of	of	ADP
esutjss-259	8	21	the	the	DET
esutjss-259	8	22	study	study	NOUN
esutjss-259	8	23	.	.	PUNCT
esutjss-259	9	1	evidence	evidence	NOUN
esutjss-259	9	2	from	from	ADP
esutjss-259	9	3	the	the	DET
esutjss-259	9	4	study	study	NOUN
esutjss-259	9	5	indicate	indicate	VERB
esutjss-259	9	6	that	that	SCONJ
esutjss-259	9	7	financial	financial	ADJ
esutjss-259	9	8	inclusion	inclusion	NOUN
esutjss-259	9	9	has	have	VERB
esutjss-259	9	10	a	a	DET
esutjss-259	9	11	negative	negative	ADJ
esutjss-259	9	12	relationship	relationship	NOUN
esutjss-259	9	13	with	with	ADP
esutjss-259	9	14	inequality	inequality	NOUN
esutjss-259	9	15	in	in	ADP
esutjss-259	9	16	west	west	PROPN
esutjss-259	9	17	africa	africa	PROPN
esutjss-259	9	18	,	,	PUNCT
esutjss-259	9	19	however	however	ADV
esutjss-259	9	20	the	the	DET
esutjss-259	9	21	effect	effect	NOUN
esutjss-259	9	22	of	of	ADP
esutjss-259	9	23	financial	financial	ADJ
esutjss-259	9	24	inclusion	inclusion	NOUN
esutjss-259	9	25	on	on	ADP
esutjss-259	9	26	inequality	inequality	NOUN
esutjss-259	9	27	reduction	reduction	NOUN
esutjss-259	9	28	was	be	AUX
esutjss-259	9	29	found	find	VERB
esutjss-259	9	30	to	to	PART
esutjss-259	9	31	be	be	AUX
esutjss-259	9	32	insignificant	insignificant	ADJ
esutjss-259	9	33	indicating	indicate	VERB
esutjss-259	9	34	that	that	SCONJ
esutjss-259	9	35	financial	financial	ADJ
esutjss-259	9	36	inclusion	inclusion	NOUN
esutjss-259	9	37	may	may	AUX
esutjss-259	9	38	have	have	VERB
esutjss-259	9	39	marginal	marginal	ADJ
esutjss-259	9	40	effect	effect	NOUN
esutjss-259	9	41	at	at	ADP
esutjss-259	9	42	best	good	ADJ
esutjss-259	9	43	on	on	ADP
esutjss-259	9	44	inequality	inequality	NOUN
esutjss-259	9	45	in	in	ADP
esutjss-259	9	46	the	the	DET
esutjss-259	9	47	west	west	PROPN
esutjss-259	9	48	africa	africa	PROPN
esutjss-259	9	49	sub	sub	PROPN
esutjss-259	9	50	region	region	PROPN
esutjss-259	9	51	.	.	PUNCT
esutjss-259	10	1	the	the	DET
esutjss-259	10	2	findings	finding	NOUN
esutjss-259	10	3	from	from	ADP
esutjss-259	10	4	the	the	DET
esutjss-259	10	5	study	study	NOUN
esutjss-259	10	6	has	have	VERB
esutjss-259	10	7	some	some	DET
esutjss-259	10	8	policy	policy	NOUN
esutjss-259	10	9	implications	implication	NOUN
esutjss-259	10	10	.	.	PUNCT
esutjss-259	11	1	firstly	firstly	ADV
esutjss-259	11	2	,	,	PUNCT
esutjss-259	11	3	the	the	DET
esutjss-259	11	4	negative	negative	ADJ
esutjss-259	11	5	but	but	CCONJ
esutjss-259	11	6	insignificant	insignificant	ADJ
esutjss-259	11	7	effect	effect	NOUN
esutjss-259	11	8	of	of	ADP
esutjss-259	11	9	financial	financial	ADJ
esutjss-259	11	10	inclusion	inclusion	NOUN
esutjss-259	11	11	on	on	ADP
esutjss-259	11	12	income	income	NOUN
esutjss-259	11	13	inequality	inequality	NOUN
esutjss-259	11	14	may	may	AUX
esutjss-259	11	15	have	have	AUX
esutjss-259	11	16	resulted	result	VERB
esutjss-259	11	17	from	from	ADP
esutjss-259	11	18	low	low	ADJ
esutjss-259	11	19	levels	level	NOUN
esutjss-259	11	20	of	of	ADP
esutjss-259	11	21	financial	financial	ADJ
esutjss-259	11	22	inclusion	inclusion	NOUN
esutjss-259	11	23	in	in	ADP
esutjss-259	11	24	west	west	PROPN
esutjss-259	11	25	africa	africa	PROPN
esutjss-259	11	26	.	.	PUNCT
esutjss-259	12	1	this	this	PRON
esutjss-259	12	2	implies	imply	VERB
esutjss-259	12	3	that	that	SCONJ
esutjss-259	12	4	at	at	ADP
esutjss-259	12	5	higher	high	ADJ
esutjss-259	12	6	levels	level	NOUN
esutjss-259	12	7	of	of	ADP
esutjss-259	12	8	financial	financial	ADJ
esutjss-259	12	9	inclusion	inclusion	NOUN
esutjss-259	12	10	,	,	PUNCT
esutjss-259	12	11	the	the	DET
esutjss-259	12	12	effect	effect	NOUN
esutjss-259	12	13	may	may	AUX
esutjss-259	12	14	become	become	VERB
esutjss-259	12	15	more	more	ADV
esutjss-259	12	16	pronounced	pronounced	ADJ
esutjss-259	12	17	.	.	PUNCT
esutjss-259	13	1	keywords	keyword	NOUN
esutjss-259	13	2	:	:	PUNCT
esutjss-259	13	3	financial	financial	ADJ
esutjss-259	13	4	inclusion	inclusion	NOUN
esutjss-259	13	5	,	,	PUNCT
esutjss-259	13	6	inequality	inequality	NOUN
esutjss-259	13	7	,	,	PUNCT
esutjss-259	13	8	panel	panel	NOUN
esutjss-259	13	9	ols	ol	NOUN
esutjss-259	13	10	.	.	PUNCT
esutjss-259	14	1	1	1	X
esutjss-259	14	2	.	.	X
esutjss-259	14	3	introduction	introduction	NOUN
esutjss-259	14	4	developing	develop	VERB
esutjss-259	14	5	countries	country	NOUN
esutjss-259	14	6	all	all	ADV
esutjss-259	14	7	over	over	ADP
esutjss-259	14	8	the	the	DET
esutjss-259	14	9	world	world	NOUN
esutjss-259	14	10	are	be	AUX
esutjss-259	14	11	often	often	ADV
esutjss-259	14	12	characterized	characterize	VERB
esutjss-259	14	13	by	by	ADP
esutjss-259	14	14	high	high	ADJ
esutjss-259	14	15	level	level	NOUN
esutjss-259	14	16	of	of	ADP
esutjss-259	14	17	inequality	inequality	NOUN
esutjss-259	14	18	and	and	CCONJ
esutjss-259	14	19	poverty	poverty	NOUN
esutjss-259	14	20	(	(	PUNCT
esutjss-259	14	21	todaro	todaro	NOUN
esutjss-259	14	22	and	and	CCONJ
esutjss-259	14	23	smith	smith	PROPN
esutjss-259	14	24	,	,	PUNCT
esutjss-259	14	25	2006	2006	NUM
esutjss-259	14	26	)	)	PUNCT
esutjss-259	14	27	.	.	PUNCT
esutjss-259	15	1	several	several	ADJ
esutjss-259	15	2	studies	study	NOUN
esutjss-259	15	3	have	have	AUX
esutjss-259	15	4	shown	show	VERB
esutjss-259	15	5	that	that	SCONJ
esutjss-259	15	6	despite	despite	SCONJ
esutjss-259	15	7	relative	relative	ADJ
esutjss-259	15	8	improvement	improvement	NOUN
esutjss-259	15	9	in	in	ADP
esutjss-259	15	10	economic	economic	ADJ
esutjss-259	15	11	growth	growth	NOUN
esutjss-259	15	12	in	in	ADP
esutjss-259	15	13	recent	recent	ADJ
esutjss-259	15	14	times	time	NOUN
esutjss-259	15	15	,	,	PUNCT
esutjss-259	15	16	inequality	inequality	NOUN
esutjss-259	15	17	and	and	CCONJ
esutjss-259	15	18	poverty	poverty	NOUN
esutjss-259	15	19	is	be	AUX
esutjss-259	15	20	still	still	ADV
esutjss-259	15	21	high	high	ADJ
esutjss-259	15	22	in	in	ADP
esutjss-259	15	23	the	the	DET
esutjss-259	15	24	west	west	PROPN
esutjss-259	15	25	africa	africa	PROPN
esutjss-259	15	26	sub	sub	PROPN
esutjss-259	15	27	region	region	PROPN
esutjss-259	15	28	(	(	PUNCT
esutjss-259	15	29	hallum	hallum	NOUN
esutjss-259	15	30	and	and	CCONJ
esutjss-259	15	31	obeng	obeng	NOUN
esutjss-259	15	32	,	,	PUNCT
esutjss-259	15	33	2019	2019	NUM
esutjss-259	15	34	;	;	PUNCT
esutjss-259	15	35	uneca	uneca	NOUN
esutjss-259	15	36	,	,	PUNCT
esutjss-259	15	37	2022	2022	NUM
esutjss-259	15	38	;	;	PUNCT
esutjss-259	15	39	khan	khan	PROPN
esutjss-259	15	40	,	,	PUNCT
esutjss-259	15	41	khan	khan	PROPN
esutjss-259	15	42	,	,	PUNCT
esutjss-259	15	43	sayal	sayal	PROPN
esutjss-259	15	44	,	,	PUNCT
esutjss-259	15	45	&	&	CCONJ
esutjss-259	15	46	khan	khan	PROPN
esutjss-259	15	47	,	,	PUNCT
esutjss-259	15	48	2021	2021	NUM
esutjss-259	15	49	;	;	PUNCT
esutjss-259	15	50	kouadio	kouadio	NOUN
esutjss-259	15	51	and	and	CCONJ
esutjss-259	15	52	gakpa	gakpa	NOUN
esutjss-259	15	53	2022	2022	NUM
esutjss-259	15	54	;	;	PUNCT
esutjss-259	15	55	okafor	okafor	PROPN
esutjss-259	15	56	et	et	PROPN
esutjss-259	15	57	al	al	PROPN
esutjss-259	15	58	,	,	PUNCT
esutjss-259	15	59	2023	2023	NUM
esutjss-259	15	60	)	)	PUNCT
esutjss-259	15	61	,	,	PUNCT
esutjss-259	15	62	with	with	ADP
esutjss-259	15	63	the	the	DET
esutjss-259	15	64	region	region	NOUN
esutjss-259	15	65	accounting	account	VERB
esutjss-259	15	66	for	for	ADP
esutjss-259	15	67	the	the	DET
esutjss-259	15	68	highest	high	ADJ
esutjss-259	15	69	number	number	NOUN
esutjss-259	15	70	of	of	ADP
esutjss-259	15	71	people	people	NOUN
esutjss-259	15	72	suffering	suffer	VERB
esutjss-259	15	73	from	from	ADP
esutjss-259	15	74	extreme	extreme	ADJ
esutjss-259	15	75	poverty	poverty	NOUN
esutjss-259	15	76	in	in	ADP
esutjss-259	15	77	sub	sub	ADJ
esutjss-259	15	78	-	-	ADJ
esutjss-259	15	79	saharan	saharan	ADJ
esutjss-259	15	80	africa	africa	PROPN
esutjss-259	15	81	(	(	PUNCT
esutjss-259	15	82	kouadio	kouadio	NOUN
esutjss-259	15	83	and	and	CCONJ
esutjss-259	15	84	gakpa	gakpa	NOUN
esutjss-259	15	85	,	,	PUNCT
esutjss-259	15	86	2022	2022	NUM
esutjss-259	15	87	)	)	PUNCT
esutjss-259	15	88	.	.	PUNCT
esutjss-259	16	1	the	the	DET
esutjss-259	16	2	goal	goal	NOUN
esutjss-259	16	3	of	of	ADP
esutjss-259	16	4	inequality	inequality	NOUN
esutjss-259	16	5	reduction	reduction	NOUN
esutjss-259	16	6	is	be	AUX
esutjss-259	16	7	crucial	crucial	ADJ
esutjss-259	16	8	for	for	ADP
esutjss-259	16	9	developing	develop	VERB
esutjss-259	16	10	countries	country	NOUN
esutjss-259	16	11	because	because	SCONJ
esutjss-259	16	12	it	it	PRON
esutjss-259	16	13	lays	lay	VERB
esutjss-259	16	14	the	the	DET
esutjss-259	16	15	foundation	foundation	NOUN
esutjss-259	16	16	for	for	ADP
esutjss-259	16	17	a	a	DET
esutjss-259	16	18	more	more	ADV
esutjss-259	16	19	inclusive	inclusive	ADJ
esutjss-259	16	20	,	,	PUNCT
esutjss-259	16	21	equal	equal	ADJ
esutjss-259	16	22	,	,	PUNCT
esutjss-259	16	23	resilient	resilient	ADJ
esutjss-259	16	24	and	and	CCONJ
esutjss-259	16	25	prosperous	prosperous	ADJ
esutjss-259	16	26	economy	economy	NOUN
esutjss-259	16	27	(	(	PUNCT
esutjss-259	16	28	uneca	uneca	NOUN
esutjss-259	16	29	,	,	PUNCT
esutjss-259	16	30	2023	2023	NUM
esutjss-259	16	31	)	)	PUNCT
esutjss-259	16	32	.	.	PUNCT
esutjss-259	17	1	also	also	ADV
esutjss-259	17	2	,	,	PUNCT
esutjss-259	17	3	rapid	rapid	ADJ
esutjss-259	17	4	increases	increase	NOUN
esutjss-259	17	5	in	in	ADP
esutjss-259	17	6	human	human	ADJ
esutjss-259	17	7	development	development	NOUN
esutjss-259	17	8	ensures	ensure	VERB
esutjss-259	17	9	a	a	DET
esutjss-259	17	10	steady	steady	ADJ
esutjss-259	17	11	pool	pool	NOUN
esutjss-259	17	12	of	of	ADP
esutjss-259	17	13	skilled	skilled	ADJ
esutjss-259	17	14	manpower	manpower	NOUN
esutjss-259	17	15	necessary	necessary	ADJ
esutjss-259	17	16	to	to	PART
esutjss-259	17	17	drive	drive	VERB
esutjss-259	17	18	to	to	PART
esutjss-259	17	19	drive	drive	VERB
esutjss-259	17	20	sustained	sustained	ADJ
esutjss-259	17	21	economic	economic	ADJ
esutjss-259	17	22	in	in	ADP
esutjss-259	17	23	an	an	DET
esutjss-259	17	24	increasingly	increasingly	ADV
esutjss-259	17	25	competitive	competitive	ADJ
esutjss-259	17	26	global	global	ADJ
esutjss-259	17	27	economy	economy	NOUN
esutjss-259	17	28	.	.	PUNCT
esutjss-259	18	1	furthermore	furthermore	ADV
esutjss-259	18	2	,	,	PUNCT
esutjss-259	18	3	the	the	DET
esutjss-259	18	4	objectives	objective	NOUN
esutjss-259	18	5	of	of	ADP
esutjss-259	18	6	poverty	poverty	NOUN
esutjss-259	18	7	and	and	CCONJ
esutjss-259	18	8	inequality	inequality	NOUN
esutjss-259	18	9	reduction	reduction	NOUN
esutjss-259	18	10	is	be	AUX
esutjss-259	18	11	highly	highly	ADV
esutjss-259	18	12	complementary	complementary	ADJ
esutjss-259	18	13	to	to	ADP
esutjss-259	18	14	other	other	ADJ
esutjss-259	18	15	sustainable	sustainable	ADJ
esutjss-259	18	16	development	development	NOUN
esutjss-259	18	17	goals	goal	NOUN
esutjss-259	18	18	,	,	PUNCT
esutjss-259	18	19	thereby	thereby	ADV
esutjss-259	18	20	acting	act	VERB
esutjss-259	18	21	as	as	ADP
esutjss-259	18	22	a	a	DET
esutjss-259	18	23	crucial	crucial	ADJ
esutjss-259	18	24	link	link	NOUN
esutjss-259	18	25	to	to	ADP
esutjss-259	18	26	achieving	achieve	VERB
esutjss-259	18	27	other	other	ADJ
esutjss-259	18	28	sustainable	sustainable	ADJ
esutjss-259	18	29	development	development	NOUN
esutjss-259	18	30	goals	goal	NOUN
esutjss-259	18	31	.	.	PUNCT
esutjss-259	19	1	over	over	ADP
esutjss-259	19	2	the	the	DET
esutjss-259	19	3	last	last	ADJ
esutjss-259	19	4	few	few	ADJ
esutjss-259	19	5	decades	decade	NOUN
esutjss-259	19	6	,	,	PUNCT
esutjss-259	19	7	global	global	ADJ
esutjss-259	19	8	and	and	CCONJ
esutjss-259	19	9	national	national	ADJ
esutjss-259	19	10	policymakers	policymaker	NOUN
esutjss-259	19	11	have	have	AUX
esutjss-259	19	12	embraced	embrace	VERB
esutjss-259	19	13	financial	financial	ADJ
esutjss-259	19	14	inclusion	inclusion	NOUN
esutjss-259	19	15	as	as	ADP
esutjss-259	19	16	an	an	DET
esutjss-259	19	17	important	important	ADJ
esutjss-259	19	18	tool	tool	NOUN
esutjss-259	19	19	and	and	CCONJ
esutjss-259	19	20	a	a	DET
esutjss-259	19	21	priority	priority	NOUN
esutjss-259	19	22	for	for	ADP
esutjss-259	19	23	inequality	inequality	NOUN
esutjss-259	19	24	and	and	CCONJ
esutjss-259	19	25	poverty	poverty	NOUN
esutjss-259	19	26	reduction	reduction	NOUN
esutjss-259	19	27	(	(	PUNCT
esutjss-259	19	28	adeleke	adeleke	ADJ
esutjss-259	19	29	and	and	CCONJ
esutjss-259	19	30	olamola	olamola	ADJ
esutjss-259	19	31	,	,	PUNCT
esutjss-259	19	32	2022	2022	NUM
esutjss-259	19	33	;	;	PUNCT
esutjss-259	19	34	omar	omar	PROPN
esutjss-259	19	35	and	and	CCONJ
esutjss-259	19	36	inaba	inaba	PROPN
esutjss-259	19	37	,	,	PUNCT
esutjss-259	19	38	2020	2020	NUM
esutjss-259	19	39	)	)	PUNCT
esutjss-259	19	40	.	.	PUNCT
esutjss-259	20	1	as	as	ADP
esutjss-259	20	2	a	a	DET
esutjss-259	20	3	result	result	NOUN
esutjss-259	20	4	,	,	PUNCT
esutjss-259	20	5	there	there	PRON
esutjss-259	20	6	has	have	AUX
esutjss-259	20	7	been	be	AUX
esutjss-259	20	8	a	a	DET
esutjss-259	20	9	lot	lot	NOUN
esutjss-259	20	10	of	of	ADP
esutjss-259	20	11	financial	financial	ADJ
esutjss-259	20	12	sector	sector	NOUN
esutjss-259	20	13	reforms	reform	NOUN
esutjss-259	20	14	driven	drive	VERB
esutjss-259	20	15	by	by	ADP
esutjss-259	20	16	policymakers	policymaker	NOUN
esutjss-259	20	17	and	and	CCONJ
esutjss-259	20	18	central	central	ADJ
esutjss-259	20	19	banks	bank	NOUN
esutjss-259	20	20	,	,	PUNCT
esutjss-259	20	21	aimed	aim	VERB
esutjss-259	20	22	at	at	ADP
esutjss-259	20	23	promoting	promote	VERB
esutjss-259	20	24	financial	financial	ADJ
esutjss-259	20	25	inclusion	inclusion	NOUN
esutjss-259	20	26	.	.	PUNCT
esutjss-259	21	1	this	this	DET
esutjss-259	21	2	movement	movement	NOUN
esutjss-259	21	3	has	have	AUX
esutjss-259	21	4	gained	gain	VERB
esutjss-259	21	5	momentum	momentum	NOUN
esutjss-259	21	6	since	since	SCONJ
esutjss-259	21	7	the	the	DET
esutjss-259	21	8	2007	2007	NUM
esutjss-259	21	9	global	global	ADJ
esutjss-259	21	10	financial	financial	ADJ
esutjss-259	21	11	crisis	crisis	NOUN
esutjss-259	21	12	and	and	CCONJ
esutjss-259	21	13	its	its	PRON
esutjss-259	21	14	attendant	attendant	ADJ
esutjss-259	21	15	effects	effect	NOUN
esutjss-259	21	16	on	on	ADP
esutjss-259	21	17	national	national	ADJ
esutjss-259	21	18	economies	economy	NOUN
esutjss-259	21	19	across	across	ADP
esutjss-259	21	20	the	the	DET
esutjss-259	21	21	world	world	NOUN
esutjss-259	21	22	(	(	PUNCT
esutjss-259	21	23	agyemang	agyemang	NOUN
esutjss-259	21	24	-	-	PUNCT
esutjss-259	21	25	badu	badu	NOUN
esutjss-259	21	26	,	,	PUNCT
esutjss-259	21	27	agwei	agwei	PROPN
esutjss-259	21	28	&	&	CCONJ
esutjss-259	21	29	dua	dua	PROPN
esutjss-259	21	30	,	,	PUNCT
esutjss-259	21	31	2018	2018	NUM
esutjss-259	21	32	;	;	PUNCT
esutjss-259	21	33	adeleke	adeleke	VERB
esutjss-259	21	34	and	and	CCONJ
esutjss-259	21	35	olamola	olamola	ADJ
esutjss-259	21	36	,	,	PUNCT
esutjss-259	21	37	2022	2022	NUM
esutjss-259	21	38	)	)	PUNCT
esutjss-259	21	39	.	.	PUNCT
esutjss-259	22	1	mailto:chuksgabriel40@yahoo.com	mailto:chuksgabriel40@yahoo.com	PROPN
esutjss-259	22	2	66	66	NUM
esutjss-259	22	3	financial	financial	ADJ
esutjss-259	22	4	inclusion	inclusion	NOUN
esutjss-259	22	5	is	be	AUX
esutjss-259	22	6	achieved	achieve	VERB
esutjss-259	22	7	when	when	SCONJ
esutjss-259	22	8	adults	adult	NOUN
esutjss-259	22	9	have	have	VERB
esutjss-259	22	10	easy	easy	ADJ
esutjss-259	22	11	access	access	NOUN
esutjss-259	22	12	to	to	ADP
esutjss-259	22	13	a	a	DET
esutjss-259	22	14	broad	broad	ADJ
esutjss-259	22	15	range	range	NOUN
esutjss-259	22	16	of	of	ADP
esutjss-259	22	17	financial	financial	ADJ
esutjss-259	22	18	products	product	NOUN
esutjss-259	22	19	designed	design	VERB
esutjss-259	22	20	according	accord	VERB
esutjss-259	22	21	to	to	ADP
esutjss-259	22	22	their	their	PRON
esutjss-259	22	23	needs	need	NOUN
esutjss-259	22	24	and	and	CCONJ
esutjss-259	22	25	provided	provide	VERB
esutjss-259	22	26	at	at	ADP
esutjss-259	22	27	affordable	affordable	ADJ
esutjss-259	22	28	costs	cost	NOUN
esutjss-259	22	29	.	.	PUNCT
esutjss-259	23	1	these	these	DET
esutjss-259	23	2	products	product	NOUN
esutjss-259	23	3	include	include	VERB
esutjss-259	23	4	payments	payment	NOUN
esutjss-259	23	5	,	,	PUNCT
esutjss-259	23	6	savings	saving	NOUN
esutjss-259	23	7	,	,	PUNCT
esutjss-259	23	8	credit	credit	NOUN
esutjss-259	23	9	,	,	PUNCT
esutjss-259	23	10	insurance	insurance	NOUN
esutjss-259	23	11	and	and	CCONJ
esutjss-259	23	12	pensions	pension	NOUN
esutjss-259	23	13	(	(	PUNCT
esutjss-259	23	14	cbn	cbn	PROPN
esutjss-259	23	15	,	,	PUNCT
esutjss-259	23	16	2012	2012	NUM
esutjss-259	23	17	)	)	PUNCT
esutjss-259	23	18	.	.	PUNCT
esutjss-259	24	1	policy	policy	NOUN
esutjss-259	24	2	makers	maker	NOUN
esutjss-259	24	3	are	be	AUX
esutjss-259	24	4	convinced	convince	VERB
esutjss-259	24	5	that	that	SCONJ
esutjss-259	24	6	financial	financial	ADJ
esutjss-259	24	7	inclusion	inclusion	NOUN
esutjss-259	24	8	would	would	AUX
esutjss-259	24	9	help	help	VERB
esutjss-259	24	10	lift	lift	VERB
esutjss-259	24	11	the	the	DET
esutjss-259	24	12	poor	poor	ADJ
esutjss-259	24	13	out	out	ADP
esutjss-259	24	14	of	of	ADP
esutjss-259	24	15	poverty	poverty	NOUN
esutjss-259	24	16	by	by	ADP
esutjss-259	24	17	gradually	gradually	ADV
esutjss-259	24	18	improving	improve	VERB
esutjss-259	24	19	their	their	PRON
esutjss-259	24	20	lives	life	NOUN
esutjss-259	24	21	and	and	CCONJ
esutjss-259	24	22	spurring	spur	VERB
esutjss-259	24	23	economic	economic	ADJ
esutjss-259	24	24	activities	activity	NOUN
esutjss-259	24	25	that	that	PRON
esutjss-259	24	26	create	create	VERB
esutjss-259	24	27	wealth	wealth	NOUN
esutjss-259	24	28	.	.	PUNCT
esutjss-259	25	1	sadly	sadly	ADV
esutjss-259	25	2	,	,	PUNCT
esutjss-259	25	3	the	the	DET
esutjss-259	25	4	west	west	ADJ
esutjss-259	25	5	african	african	ADJ
esutjss-259	25	6	sub	sub	NOUN
esutjss-259	25	7	region	region	NOUN
esutjss-259	25	8	,	,	PUNCT
esutjss-259	25	9	as	as	SCONJ
esutjss-259	25	10	a	a	DET
esutjss-259	25	11	region	region	NOUN
esutjss-259	25	12	has	have	AUX
esutjss-259	25	13	consistently	consistently	ADV
esutjss-259	25	14	underperformed	underperform	VERB
esutjss-259	25	15	over	over	ADP
esutjss-259	25	16	the	the	DET
esutjss-259	25	17	years	year	NOUN
esutjss-259	25	18	,	,	PUNCT
esutjss-259	25	19	when	when	SCONJ
esutjss-259	25	20	compared	compare	VERB
esutjss-259	25	21	to	to	ADP
esutjss-259	25	22	other	other	ADJ
esutjss-259	25	23	regions	region	NOUN
esutjss-259	25	24	of	of	ADP
esutjss-259	25	25	the	the	DET
esutjss-259	25	26	world	world	NOUN
esutjss-259	25	27	,	,	PUNCT
esutjss-259	25	28	on	on	ADP
esutjss-259	25	29	measures	measure	NOUN
esutjss-259	25	30	of	of	ADP
esutjss-259	25	31	financial	financial	ADJ
esutjss-259	25	32	inclusion	inclusion	NOUN
esutjss-259	25	33	.	.	PUNCT
esutjss-259	26	1	table	table	NOUN
esutjss-259	26	2	1.1	1.1	NUM
esutjss-259	26	3	selected	select	VERB
esutjss-259	26	4	indicators	indicator	NOUN
esutjss-259	26	5	of	of	ADP
esutjss-259	26	6	financial	financial	ADJ
esutjss-259	26	7	inclusion	inclusion	NOUN
esutjss-259	26	8	in	in	ADP
esutjss-259	26	9	west	west	PROPN
esutjss-259	26	10	africa	africa	PROPN
esutjss-259	26	11	countries	countries	PROPN
esutjss-259	26	12	account	account	VERB
esutjss-259	26	13	ownership	ownership	NOUN
esutjss-259	26	14	in	in	ADP
esutjss-259	26	15	a	a	DET
esutjss-259	26	16	financial	financial	ADJ
esutjss-259	26	17	institution	institution	NOUN
esutjss-259	26	18	(	(	PUNCT
esutjss-259	26	19	%	%	INTJ
esutjss-259	26	20	)	)	PUNCT
esutjss-259	26	21	saved	save	VERB
esutjss-259	26	22	at	at	ADP
esutjss-259	26	23	a	a	DET
esutjss-259	26	24	financial	financial	ADJ
esutjss-259	26	25	institution	institution	NOUN
esutjss-259	26	26	(	(	PUNCT
esutjss-259	26	27	%	%	INTJ
esutjss-259	26	28	)	)	PUNCT
esutjss-259	26	29	owns	own	VERB
esutjss-259	26	30	a	a	DET
esutjss-259	26	31	credit	credit	NOUN
esutjss-259	26	32	card	card	NOUN
esutjss-259	26	33	(	(	PUNCT
esutjss-259	26	34	%	%	INTJ
esutjss-259	26	35	)	)	PUNCT
esutjss-259	26	36	borrowed	borrow	VERB
esutjss-259	26	37	from	from	ADP
esutjss-259	26	38	financial	financial	ADJ
esutjss-259	26	39	institution	institution	NOUN
esutjss-259	26	40	(	(	PUNCT
esutjss-259	26	41	%	%	INTJ
esutjss-259	26	42	)	)	PUNCT
esutjss-259	26	43	nigeria	nigeria	PROPN
esutjss-259	26	44	45	45	NUM
esutjss-259	26	45	18	18	NUM
esutjss-259	26	46	2	2	NUM
esutjss-259	26	47	6	6	NUM
esutjss-259	26	48	ghana	ghana	PROPN
esutjss-259	26	49	39	39	NUM
esutjss-259	26	50	21	21	NUM
esutjss-259	26	51	1	1	NUM
esutjss-259	26	52	12	12	NUM
esutjss-259	26	53	benin	benin	NOUN
esutjss-259	26	54	24	24	NUM
esutjss-259	26	55	5	5	NUM
esutjss-259	26	56	1	1	NUM
esutjss-259	26	57	8	8	NUM
esutjss-259	26	58	burkina	burkina	PROPN
esutjss-259	26	59	faso	faso	PROPN
esutjss-259	26	60	21	21	NUM
esutjss-259	26	61	8	8	NUM
esutjss-259	26	62	3	3	NUM
esutjss-259	26	63	7	7	NUM
esutjss-259	26	64	côte	côte	NOUN
esutjss-259	26	65	d'ivoire	d'ivoire	NOUN
esutjss-259	26	66	21	21	NUM
esutjss-259	26	67	6	6	NUM
esutjss-259	26	68	2	2	NUM
esutjss-259	26	69	4	4	NUM
esutjss-259	26	70	guinea	guinea	NOUN
esutjss-259	26	71	14	14	NUM
esutjss-259	26	72	5	5	NUM
esutjss-259	26	73	1	1	NUM
esutjss-259	26	74	6	6	NUM
esutjss-259	26	75	liberia	liberia	NOUN
esutjss-259	26	76	29	29	NUM
esutjss-259	26	77	13	13	NUM
esutjss-259	26	78	3	3	NUM
esutjss-259	26	79	15	15	NUM
esutjss-259	26	80	mali	mali	ADJ
esutjss-259	26	81	28	28	NUM
esutjss-259	26	82	11	11	NUM
esutjss-259	26	83	6	6	NUM
esutjss-259	26	84	11	11	NUM
esutjss-259	26	85	mauritania	mauritania	NOUN
esutjss-259	26	86	20	20	NUM
esutjss-259	26	87	9	9	NUM
esutjss-259	26	88	3	3	NUM
esutjss-259	26	89	11	11	NUM
esutjss-259	26	90	niger	niger	NOUN
esutjss-259	26	91	9	9	NUM
esutjss-259	26	92	3	3	NUM
esutjss-259	26	93	1	1	NUM
esutjss-259	26	94	3	3	NUM
esutjss-259	26	95	sierra	sierra	NOUN
esutjss-259	26	96	leone	leone	NOUN
esutjss-259	26	97	14	14	NUM
esutjss-259	26	98	5	5	NUM
esutjss-259	26	99	1	1	NUM
esutjss-259	26	100	4	4	NUM
esutjss-259	26	101	senegal	senegal	NOUN
esutjss-259	26	102	28	28	NUM
esutjss-259	26	103	9	9	NUM
esutjss-259	26	104	5	5	NUM
esutjss-259	26	105	12	12	NUM
esutjss-259	26	106	togo	togo	PROPN
esutjss-259	26	107	25	25	NUM
esutjss-259	26	108	12	12	NUM
esutjss-259	26	109	2	2	NUM
esutjss-259	26	110	7	7	NUM
esutjss-259	26	111	average	average	NOUN
esutjss-259	26	112	24.3846	24.3846	NUM
esutjss-259	26	113	9.615385	9.615385	NUM
esutjss-259	26	114	2.384615	2.384615	NUM
esutjss-259	26	115	8.153846	8.153846	NUM
esutjss-259	26	116	sources	source	NOUN
esutjss-259	26	117	:	:	PUNCT
esutjss-259	26	118	global	global	ADJ
esutjss-259	26	119	findex	findex	NOUN
esutjss-259	26	120	,	,	PUNCT
esutjss-259	26	121	2023	2023	NUM
esutjss-259	26	122	.	.	PUNCT
esutjss-259	27	1	table	table	NOUN
esutjss-259	27	2	1.1	1.1	NUM
esutjss-259	27	3	shows	show	VERB
esutjss-259	27	4	that	that	SCONJ
esutjss-259	27	5	only	only	ADV
esutjss-259	27	6	about	about	ADV
esutjss-259	27	7	24.3	24.3	NUM
esutjss-259	27	8	%	%	NOUN
esutjss-259	27	9	of	of	ADP
esutjss-259	27	10	adults	adult	NOUN
esutjss-259	27	11	in	in	ADP
esutjss-259	27	12	west	west	PROPN
esutjss-259	27	13	africa	africa	PROPN
esutjss-259	27	14	own	own	VERB
esutjss-259	27	15	a	a	DET
esutjss-259	27	16	bank	bank	NOUN
esutjss-259	27	17	account	account	NOUN
esutjss-259	27	18	compared	compare	VERB
esutjss-259	27	19	to	to	ADP
esutjss-259	27	20	about	about	ADP
esutjss-259	27	21	83	83	NUM
esutjss-259	27	22	%	%	NOUN
esutjss-259	27	23	in	in	ADP
esutjss-259	27	24	east	east	PROPN
esutjss-259	27	25	asia	asia	PROPN
esutjss-259	27	26	and	and	CCONJ
esutjss-259	27	27	pacific	pacific	PROPN
esutjss-259	27	28	and	and	CCONJ
esutjss-259	27	29	74	74	NUM
esutjss-259	27	30	%	%	NOUN
esutjss-259	27	31	in	in	ADP
esutjss-259	27	32	latin	latin	PROPN
esutjss-259	27	33	america	america	PROPN
esutjss-259	27	34	(	(	PUNCT
esutjss-259	27	35	global	global	ADJ
esutjss-259	27	36	findex	findex	NOUN
esutjss-259	27	37	,	,	PUNCT
esutjss-259	27	38	2023	2023	NUM
esutjss-259	27	39	)	)	PUNCT
esutjss-259	27	40	.	.	PUNCT
esutjss-259	28	1	only	only	ADV
esutjss-259	28	2	about	about	ADV
esutjss-259	28	3	9.6	9.6	NUM
esutjss-259	28	4	%	%	NOUN
esutjss-259	28	5	saved	save	VERB
esutjss-259	28	6	in	in	ADP
esutjss-259	28	7	a	a	DET
esutjss-259	28	8	financial	financial	ADJ
esutjss-259	28	9	institution	institution	NOUN
esutjss-259	28	10	while	while	SCONJ
esutjss-259	28	11	only	only	ADV
esutjss-259	28	12	about	about	ADV
esutjss-259	28	13	2.4	2.4	NUM
esutjss-259	28	14	%	%	NOUN
esutjss-259	28	15	of	of	ADP
esutjss-259	28	16	the	the	DET
esutjss-259	28	17	population	population	NOUN
esutjss-259	28	18	owns	own	VERB
esutjss-259	28	19	a	a	DET
esutjss-259	28	20	credit	credit	NOUN
esutjss-259	28	21	card	card	NOUN
esutjss-259	28	22	.	.	PUNCT
esutjss-259	29	1	in	in	ADP
esutjss-259	29	2	terms	term	NOUN
esutjss-259	29	3	of	of	ADP
esutjss-259	29	4	access	access	NOUN
esutjss-259	29	5	to	to	ADP
esutjss-259	29	6	credit	credit	NOUN
esutjss-259	29	7	,	,	PUNCT
esutjss-259	29	8	only	only	ADV
esutjss-259	29	9	about	about	ADV
esutjss-259	29	10	8.2	8.2	NUM
esutjss-259	29	11	%	%	NOUN
esutjss-259	29	12	borrowed	borrow	VERB
esutjss-259	29	13	money	money	NOUN
esutjss-259	29	14	from	from	ADP
esutjss-259	29	15	a	a	DET
esutjss-259	29	16	financial	financial	ADJ
esutjss-259	29	17	institution	institution	NOUN
esutjss-259	29	18	indicating	indicate	VERB
esutjss-259	29	19	a	a	DET
esutjss-259	29	20	very	very	ADV
esutjss-259	29	21	low	low	ADJ
esutjss-259	29	22	access	access	NOUN
esutjss-259	29	23	to	to	ADP
esutjss-259	29	24	credit	credit	NOUN
esutjss-259	29	25	in	in	ADP
esutjss-259	29	26	the	the	DET
esutjss-259	29	27	sub	sub	NOUN
esutjss-259	29	28	region	region	NOUN
esutjss-259	29	29	.	.	PUNCT
esutjss-259	30	1	empirical	empirical	ADJ
esutjss-259	30	2	results	result	NOUN
esutjss-259	30	3	from	from	ADP
esutjss-259	30	4	previous	previous	ADJ
esutjss-259	30	5	studies	study	NOUN
esutjss-259	30	6	on	on	ADP
esutjss-259	30	7	the	the	DET
esutjss-259	30	8	impact	impact	NOUN
esutjss-259	30	9	of	of	ADP
esutjss-259	30	10	financial	financial	ADJ
esutjss-259	30	11	inclusion	inclusion	NOUN
esutjss-259	30	12	on	on	ADP
esutjss-259	30	13	inequality	inequality	NOUN
esutjss-259	30	14	in	in	ADP
esutjss-259	30	15	developing	develop	VERB
esutjss-259	30	16	countries	country	NOUN
esutjss-259	30	17	have	have	AUX
esutjss-259	30	18	remain	remain	VERB
esutjss-259	30	19	mixed	mixed	ADJ
esutjss-259	30	20	(	(	PUNCT
esutjss-259	30	21	neaime	neaime	NOUN
esutjss-259	30	22	&	&	CCONJ
esutjss-259	30	23	gaysset	gaysset	PROPN
esutjss-259	30	24	,	,	PUNCT
esutjss-259	30	25	(	(	PUNCT
esutjss-259	30	26	2018	2018	NUM
esutjss-259	30	27	)	)	PUNCT
esutjss-259	30	28	;	;	PUNCT
esutjss-259	30	29	zia	zia	PROPN
esutjss-259	30	30	&	&	CCONJ
esutjss-259	30	31	prasetyo	prasetyo	PROPN
esutjss-259	30	32	,	,	PUNCT
esutjss-259	30	33	(	(	PUNCT
esutjss-259	30	34	2018	2018	NUM
esutjss-259	30	35	)	)	PUNCT
esutjss-259	30	36	;	;	PUNCT
esutjss-259	30	37	park	park	NOUN
esutjss-259	30	38	and	and	CCONJ
esutjss-259	30	39	marcedo	marcedo	NOUN
esutjss-259	30	40	,	,	PUNCT
esutjss-259	30	41	(	(	PUNCT
esutjss-259	30	42	2018	2018	NUM
esutjss-259	30	43	)	)	PUNCT
esutjss-259	30	44	)	)	PUNCT
esutjss-259	30	45	and	and	CCONJ
esutjss-259	30	46	not	not	PART
esutjss-259	30	47	much	much	ADV
esutjss-259	30	48	is	be	AUX
esutjss-259	30	49	empirically	empirically	ADV
esutjss-259	30	50	known	know	VERB
esutjss-259	30	51	about	about	ADP
esutjss-259	30	52	the	the	DET
esutjss-259	30	53	effect	effect	NOUN
esutjss-259	30	54	of	of	ADP
esutjss-259	30	55	financial	financial	ADJ
esutjss-259	30	56	inclusion	inclusion	NOUN
esutjss-259	30	57	on	on	ADP
esutjss-259	30	58	inequality	inequality	NOUN
esutjss-259	30	59	in	in	ADP
esutjss-259	30	60	west	west	PROPN
esutjss-259	30	61	africa	africa	PROPN
esutjss-259	30	62	in	in	ADP
esutjss-259	30	63	particular	particular	ADJ
esutjss-259	30	64	.	.	PUNCT
esutjss-259	31	1	studies	study	NOUN
esutjss-259	31	2	like	like	ADP
esutjss-259	31	3	omokanmi	omokanmi	NOUN
esutjss-259	31	4	and	and	CCONJ
esutjss-259	31	5	ogunleye	ogunleye	PROPN
esutjss-259	31	6	(	(	PUNCT
esutjss-259	31	7	2020	2020	NUM
esutjss-259	31	8	)	)	PUNCT
esutjss-259	31	9	;	;	PUNCT
esutjss-259	31	10	and	and	CCONJ
esutjss-259	31	11	abdulghafar	abdulghafar	ADV
esutjss-259	31	12	,	,	PUNCT
esutjss-259	31	13	emam	emam	PROPN
esutjss-259	31	14	and	and	CCONJ
esutjss-259	31	15	samak	samak	PROPN
esutjss-259	31	16	(	(	PUNCT
esutjss-259	31	17	2023	2023	NUM
esutjss-259	31	18	)	)	PUNCT
esutjss-259	31	19	have	have	AUX
esutjss-259	31	20	also	also	ADV
esutjss-259	31	21	empirically	empirically	ADV
esutjss-259	31	22	examined	examine	VERB
esutjss-259	31	23	the	the	DET
esutjss-259	31	24	relationship	relationship	NOUN
esutjss-259	31	25	between	between	ADP
esutjss-259	31	26	financial	financial	ADJ
esutjss-259	31	27	inclusion	inclusion	NOUN
esutjss-259	31	28	and	and	CCONJ
esutjss-259	31	29	other	other	ADJ
esutjss-259	31	30	determinants	determinant	NOUN
esutjss-259	31	31	of	of	ADP
esutjss-259	31	32	development	development	NOUN
esutjss-259	31	33	around	around	ADP
esutjss-259	31	34	the	the	DET
esutjss-259	31	35	world	world	NOUN
esutjss-259	31	36	.	.	PUNCT
esutjss-259	32	1	however	however	ADV
esutjss-259	32	2	,	,	PUNCT
esutjss-259	32	3	in	in	ADP
esutjss-259	32	4	the	the	DET
esutjss-259	32	5	light	light	NOUN
esutjss-259	32	6	of	of	ADP
esutjss-259	32	7	recent	recent	ADJ
esutjss-259	32	8	data	datum	NOUN
esutjss-259	32	9	,	,	PUNCT
esutjss-259	32	10	there	there	PRON
esutjss-259	32	11	is	be	VERB
esutjss-259	32	12	need	need	NOUN
esutjss-259	32	13	for	for	ADP
esutjss-259	32	14	more	more	ADJ
esutjss-259	32	15	studies	study	NOUN
esutjss-259	32	16	on	on	ADP
esutjss-259	32	17	the	the	DET
esutjss-259	32	18	effect	effect	NOUN
esutjss-259	32	19	of	of	ADP
esutjss-259	32	20	financial	financial	ADJ
esutjss-259	32	21	inclusion	inclusion	NOUN
esutjss-259	32	22	on	on	ADP
esutjss-259	32	23	inequality	inequality	NOUN
esutjss-259	32	24	in	in	ADP
esutjss-259	32	25	the	the	DET
esutjss-259	32	26	west	west	PROPN
esutjss-259	32	27	africa	africa	PROPN
esutjss-259	32	28	sub	sub	PROPN
esutjss-259	32	29	region	region	PROPN
esutjss-259	32	30	creating	create	VERB
esutjss-259	32	31	a	a	DET
esutjss-259	32	32	gap	gap	NOUN
esutjss-259	32	33	in	in	ADP
esutjss-259	32	34	the	the	DET
esutjss-259	32	35	literature	literature	NOUN
esutjss-259	32	36	that	that	PRON
esutjss-259	32	37	we	we	PRON
esutjss-259	32	38	seek	seek	VERB
esutjss-259	32	39	to	to	PART
esutjss-259	32	40	fill	fill	VERB
esutjss-259	32	41	.	.	PUNCT
esutjss-259	33	1	in	in	ADP
esutjss-259	33	2	the	the	DET
esutjss-259	33	3	light	light	NOUN
esutjss-259	33	4	of	of	ADP
esutjss-259	33	5	the	the	DET
esutjss-259	33	6	above	above	ADJ
esutjss-259	33	7	discussion	discussion	NOUN
esutjss-259	33	8	,	,	PUNCT
esutjss-259	33	9	this	this	DET
esutjss-259	33	10	study	study	NOUN
esutjss-259	33	11	will	will	AUX
esutjss-259	33	12	investigate	investigate	VERB
esutjss-259	33	13	the	the	DET
esutjss-259	33	14	impact	impact	NOUN
esutjss-259	33	15	of	of	ADP
esutjss-259	33	16	financial	financial	ADJ
esutjss-259	33	17	inclusion	inclusion	NOUN
esutjss-259	33	18	on	on	ADP
esutjss-259	33	19	inequality	inequality	NOUN
esutjss-259	33	20	in	in	ADP
esutjss-259	33	21	west	west	PROPN
esutjss-259	33	22	africa	africa	PROPN
esutjss-259	33	23	.	.	PUNCT
esutjss-259	34	1	67	67	NUM
esutjss-259	34	2	2	2	NUM
esutjss-259	34	3	.	.	PUNCT
esutjss-259	34	4	empirical	empirical	ADJ
esutjss-259	34	5	literature	literature	PROPN
esutjss-259	34	6	review	review	NOUN
esutjss-259	34	7	in	in	ADP
esutjss-259	34	8	the	the	DET
esutjss-259	34	9	last	last	ADJ
esutjss-259	34	10	two	two	NUM
esutjss-259	34	11	decades	decade	NOUN
esutjss-259	34	12	,	,	PUNCT
esutjss-259	34	13	there	there	PRON
esutjss-259	34	14	have	have	AUX
esutjss-259	34	15	been	be	AUX
esutjss-259	34	16	an	an	DET
esutjss-259	34	17	increase	increase	NOUN
esutjss-259	34	18	in	in	ADP
esutjss-259	34	19	studies	study	NOUN
esutjss-259	34	20	examining	examine	VERB
esutjss-259	34	21	the	the	DET
esutjss-259	34	22	determinants	determinant	NOUN
esutjss-259	34	23	of	of	ADP
esutjss-259	34	24	financial	financial	ADJ
esutjss-259	34	25	inclusion	inclusion	NOUN
esutjss-259	34	26	as	as	ADV
esutjss-259	34	27	well	well	ADV
esutjss-259	34	28	as	as	ADP
esutjss-259	34	29	its	its	PRON
esutjss-259	34	30	effect	effect	NOUN
esutjss-259	34	31	on	on	ADP
esutjss-259	34	32	indicators	indicator	NOUN
esutjss-259	34	33	of	of	ADP
esutjss-259	34	34	economic	economic	ADJ
esutjss-259	34	35	development	development	NOUN
esutjss-259	34	36	.	.	PUNCT
esutjss-259	35	1	these	these	DET
esutjss-259	35	2	studies	study	NOUN
esutjss-259	35	3	which	which	PRON
esutjss-259	35	4	have	have	AUX
esutjss-259	35	5	spanned	span	VERB
esutjss-259	35	6	across	across	ADP
esutjss-259	35	7	almost	almost	ADV
esutjss-259	35	8	all	all	PRON
esutjss-259	35	9	countries	country	NOUN
esutjss-259	35	10	of	of	ADP
esutjss-259	35	11	the	the	DET
esutjss-259	35	12	world	world	NOUN
esutjss-259	35	13	,	,	PUNCT
esutjss-259	35	14	both	both	PRON
esutjss-259	35	15	developed	develop	VERB
esutjss-259	35	16	and	and	CCONJ
esutjss-259	35	17	developing	develop	VERB
esutjss-259	35	18	,	,	PUNCT
esutjss-259	35	19	have	have	AUX
esutjss-259	35	20	produced	produce	VERB
esutjss-259	35	21	a	a	DET
esutjss-259	35	22	number	number	NOUN
esutjss-259	35	23	of	of	ADP
esutjss-259	35	24	interesting	interesting	ADJ
esutjss-259	35	25	findings	finding	NOUN
esutjss-259	35	26	as	as	SCONJ
esutjss-259	35	27	seen	see	VERB
esutjss-259	35	28	below	below	ADV
esutjss-259	35	29	.	.	PUNCT
esutjss-259	36	1	neaime	neaime	PROPN
esutjss-259	36	2	&	&	CCONJ
esutjss-259	36	3	gaysset	gaysset	PROPN
esutjss-259	36	4	(	(	PUNCT
esutjss-259	36	5	2018	2018	NUM
esutjss-259	36	6	)	)	PUNCT
esutjss-259	36	7	applying	apply	VERB
esutjss-259	36	8	the	the	DET
esutjss-259	36	9	generalized	generalized	ADJ
esutjss-259	36	10	method	method	NOUN
esutjss-259	36	11	of	of	ADP
esutjss-259	36	12	moments	moment	NOUN
esutjss-259	36	13	(	(	PUNCT
esutjss-259	36	14	gmm	gmm	NOUN
esutjss-259	36	15	)	)	PUNCT
esutjss-259	36	16	and	and	CCONJ
esutjss-259	36	17	generalized	generalize	VERB
esutjss-259	36	18	least	least	ADJ
esutjss-259	36	19	squares	square	NOUN
esutjss-259	36	20	(	(	PUNCT
esutjss-259	36	21	gls	gls	PROPN
esutjss-259	36	22	)	)	PUNCT
esutjss-259	36	23	with	with	ADP
esutjss-259	36	24	a	a	DET
esutjss-259	36	25	sample	sample	NOUN
esutjss-259	36	26	of	of	ADP
esutjss-259	36	27	eight	eight	NUM
esutjss-259	36	28	mena	mena	PROPN
esutjss-259	36	29	countries	country	NOUN
esutjss-259	36	30	over	over	ADP
esutjss-259	36	31	the	the	DET
esutjss-259	36	32	period	period	NOUN
esutjss-259	36	33	2002–2015	2002–2015	NUM
esutjss-259	36	34	,	,	PUNCT
esutjss-259	36	35	assessed	assess	VERB
esutjss-259	36	36	the	the	DET
esutjss-259	36	37	impact	impact	NOUN
esutjss-259	36	38	of	of	ADP
esutjss-259	36	39	financial	financial	ADJ
esutjss-259	36	40	inclusion	inclusion	NOUN
esutjss-259	36	41	on	on	ADP
esutjss-259	36	42	income	income	NOUN
esutjss-259	36	43	inequality	inequality	NOUN
esutjss-259	36	44	,	,	PUNCT
esutjss-259	36	45	poverty	poverty	NOUN
esutjss-259	36	46	,	,	PUNCT
esutjss-259	36	47	and	and	CCONJ
esutjss-259	36	48	financial	financial	ADJ
esutjss-259	36	49	stability	stability	NOUN
esutjss-259	36	50	.	.	PUNCT
esutjss-259	37	1	they	they	PRON
esutjss-259	37	2	found	find	VERB
esutjss-259	37	3	that	that	SCONJ
esutjss-259	37	4	financial	financial	ADJ
esutjss-259	37	5	inclusion	inclusion	NOUN
esutjss-259	37	6	decreases	decrease	VERB
esutjss-259	37	7	income	income	NOUN
esutjss-259	37	8	inequality	inequality	NOUN
esutjss-259	37	9	,	,	PUNCT
esutjss-259	37	10	while	while	SCONJ
esutjss-259	37	11	population	population	NOUN
esutjss-259	37	12	size	size	NOUN
esutjss-259	37	13	and	and	CCONJ
esutjss-259	37	14	inflation	inflation	NOUN
esutjss-259	37	15	are	be	AUX
esutjss-259	37	16	found	find	VERB
esutjss-259	37	17	to	to	PART
esutjss-259	37	18	increase	increase	VERB
esutjss-259	37	19	income	income	NOUN
esutjss-259	37	20	inequality	inequality	NOUN
esutjss-259	37	21	.	.	PUNCT
esutjss-259	38	1	also	also	ADV
esutjss-259	38	2	,	,	PUNCT
esutjss-259	38	3	the	the	DET
esutjss-259	38	4	empirical	empirical	ADJ
esutjss-259	38	5	results	result	NOUN
esutjss-259	38	6	show	show	VERB
esutjss-259	38	7	that	that	SCONJ
esutjss-259	38	8	financial	financial	ADJ
esutjss-259	38	9	inclusion	inclusion	NOUN
esutjss-259	38	10	has	have	VERB
esutjss-259	38	11	no	no	DET
esutjss-259	38	12	effects	effect	NOUN
esutjss-259	38	13	on	on	ADP
esutjss-259	38	14	poverty	poverty	NOUN
esutjss-259	38	15	,	,	PUNCT
esutjss-259	38	16	whereas	whereas	SCONJ
esutjss-259	38	17	population	population	NOUN
esutjss-259	38	18	,	,	PUNCT
esutjss-259	38	19	inflation	inflation	NOUN
esutjss-259	38	20	,	,	PUNCT
esutjss-259	38	21	and	and	CCONJ
esutjss-259	38	22	trade	trade	NOUN
esutjss-259	38	23	openness	openness	NOUN
esutjss-259	38	24	were	be	AUX
esutjss-259	38	25	all	all	PRON
esutjss-259	38	26	found	find	VERB
esutjss-259	38	27	to	to	PART
esutjss-259	38	28	significantly	significantly	ADV
esutjss-259	38	29	increase	increase	VERB
esutjss-259	38	30	poverty	poverty	NOUN
esutjss-259	38	31	.	.	PUNCT
esutjss-259	39	1	agyemang	agyemang	NOUN
esutjss-259	39	2	-	-	PUNCT
esutjss-259	39	3	badu	badu	NOUN
esutjss-259	39	4	,	,	PUNCT
esutjss-259	39	5	agyei	agyei	NOUN
esutjss-259	39	6	and	and	CCONJ
esutjss-259	39	7	duah	duah	PROPN
esutjss-259	39	8	(	(	PUNCT
esutjss-259	39	9	2018	2018	NUM
esutjss-259	39	10	)	)	PUNCT
esutjss-259	39	11	sought	seek	VERB
esutjss-259	39	12	to	to	PART
esutjss-259	39	13	understand	understand	VERB
esutjss-259	39	14	the	the	DET
esutjss-259	39	15	nexus	nexus	NOUN
esutjss-259	39	16	among	among	ADP
esutjss-259	39	17	financial	financial	ADJ
esutjss-259	39	18	inclusion	inclusion	NOUN
esutjss-259	39	19	,	,	PUNCT
esutjss-259	39	20	poverty	poverty	NOUN
esutjss-259	39	21	and	and	CCONJ
esutjss-259	39	22	inequality	inequality	NOUN
esutjss-259	39	23	in	in	ADP
esutjss-259	39	24	48	48	NUM
esutjss-259	39	25	african	african	ADJ
esutjss-259	39	26	countries	country	NOUN
esutjss-259	39	27	.	.	PUNCT
esutjss-259	40	1	following	follow	VERB
esutjss-259	40	2	sarma	sarma	PROPN
esutjss-259	40	3	(	(	PUNCT
esutjss-259	40	4	2008	2008	NUM
esutjss-259	40	5	)	)	PUNCT
esutjss-259	40	6	and	and	CCONJ
esutjss-259	40	7	park	park	NOUN
esutjss-259	40	8	and	and	CCONJ
esutjss-259	40	9	mercado	mercado	NOUN
esutjss-259	40	10	(	(	PUNCT
esutjss-259	40	11	2015	2015	NUM
esutjss-259	40	12	)	)	PUNCT
esutjss-259	40	13	,	,	PUNCT
esutjss-259	40	14	the	the	DET
esutjss-259	40	15	study	study	NOUN
esutjss-259	40	16	constructed	construct	VERB
esutjss-259	40	17	a	a	DET
esutjss-259	40	18	financial	financial	ADJ
esutjss-259	40	19	inclusion	inclusion	NOUN
esutjss-259	40	20	index	index	NOUN
esutjss-259	40	21	taking	take	VERB
esutjss-259	40	22	into	into	ADP
esutjss-259	40	23	consideration	consideration	NOUN
esutjss-259	40	24	country	country	NOUN
esutjss-259	40	25	specific	specific	ADJ
esutjss-259	40	26	indicators	indicator	NOUN
esutjss-259	40	27	to	to	PART
esutjss-259	40	28	depict	depict	VERB
esutjss-259	40	29	the	the	DET
esutjss-259	40	30	state	state	NOUN
esutjss-259	40	31	of	of	ADP
esutjss-259	40	32	financial	financial	ADJ
esutjss-259	40	33	inclusion	inclusion	NOUN
esutjss-259	40	34	in	in	ADP
esutjss-259	40	35	48	48	NUM
esutjss-259	40	36	african	african	ADJ
esutjss-259	40	37	countries	country	NOUN
esutjss-259	40	38	.	.	PUNCT
esutjss-259	41	1	using	use	VERB
esutjss-259	41	2	panel	panel	NOUN
esutjss-259	41	3	fixed	fix	VERB
esutjss-259	41	4	effects	effect	NOUN
esutjss-259	41	5	panel	panel	NOUN
esutjss-259	41	6	estimation	estimation	NOUN
esutjss-259	41	7	techniques	technique	NOUN
esutjss-259	41	8	the	the	DET
esutjss-259	41	9	study	study	NOUN
esutjss-259	41	10	found	find	VERB
esutjss-259	41	11	that	that	SCONJ
esutjss-259	41	12	financial	financial	ADJ
esutjss-259	41	13	inclusion	inclusion	NOUN
esutjss-259	41	14	is	be	AUX
esutjss-259	41	15	inversely	inversely	ADV
esutjss-259	41	16	related	relate	VERB
esutjss-259	41	17	to	to	ADP
esutjss-259	41	18	both	both	DET
esutjss-259	41	19	poverty	poverty	NOUN
esutjss-259	41	20	and	and	CCONJ
esutjss-259	41	21	income	income	NOUN
esutjss-259	41	22	inequality	inequality	NOUN
esutjss-259	41	23	in	in	ADP
esutjss-259	41	24	africa	africa	PROPN
esutjss-259	41	25	.	.	PUNCT
esutjss-259	42	1	the	the	DET
esutjss-259	42	2	study	study	NOUN
esutjss-259	42	3	recommends	recommend	VERB
esutjss-259	42	4	,	,	PUNCT
esutjss-259	42	5	among	among	ADP
esutjss-259	42	6	other	other	ADJ
esutjss-259	42	7	things	thing	NOUN
esutjss-259	42	8	,	,	PUNCT
esutjss-259	42	9	that	that	SCONJ
esutjss-259	42	10	policies	policy	NOUN
esutjss-259	42	11	and	and	CCONJ
esutjss-259	42	12	programs	program	NOUN
esutjss-259	42	13	that	that	PRON
esutjss-259	42	14	will	will	AUX
esutjss-259	42	15	enhance	enhance	VERB
esutjss-259	42	16	the	the	DET
esutjss-259	42	17	inclusion	inclusion	NOUN
esutjss-259	42	18	of	of	ADP
esutjss-259	42	19	the	the	DET
esutjss-259	42	20	poor	poor	ADJ
esutjss-259	42	21	and	and	CCONJ
esutjss-259	42	22	marginalized	marginalize	VERB
esutjss-259	42	23	in	in	ADP
esutjss-259	42	24	the	the	DET
esutjss-259	42	25	financial	financial	ADJ
esutjss-259	42	26	sector	sector	NOUN
esutjss-259	42	27	should	should	AUX
esutjss-259	42	28	be	be	AUX
esutjss-259	42	29	pursued	pursue	VERB
esutjss-259	42	30	in	in	ADP
esutjss-259	42	31	the	the	DET
esutjss-259	42	32	selected	select	VERB
esutjss-259	42	33	african	african	ADJ
esutjss-259	42	34	countries	country	NOUN
esutjss-259	42	35	.	.	PUNCT
esutjss-259	43	1	park	park	NOUN
esutjss-259	43	2	and	and	CCONJ
esutjss-259	43	3	mercado	mercado	PROPN
esutjss-259	43	4	(	(	PUNCT
esutjss-259	43	5	2015	2015	NUM
esutjss-259	43	6	)	)	PUNCT
esutjss-259	43	7	sought	seek	VERB
esutjss-259	43	8	to	to	PART
esutjss-259	43	9	understand	understand	VERB
esutjss-259	43	10	the	the	DET
esutjss-259	43	11	link	link	NOUN
esutjss-259	43	12	between	between	ADP
esutjss-259	43	13	financial	financial	ADJ
esutjss-259	43	14	inclusion	inclusion	NOUN
esutjss-259	43	15	,	,	PUNCT
esutjss-259	43	16	poverty	poverty	NOUN
esutjss-259	43	17	,	,	PUNCT
esutjss-259	43	18	and	and	CCONJ
esutjss-259	43	19	income	income	NOUN
esutjss-259	43	20	inequality	inequality	NOUN
esutjss-259	43	21	in	in	ADP
esutjss-259	43	22	developing	develop	VERB
esutjss-259	43	23	asian	asian	ADJ
esutjss-259	43	24	economies	economy	NOUN
esutjss-259	43	25	.	.	PUNCT
esutjss-259	44	1	the	the	DET
esutjss-259	44	2	study	study	NOUN
esutjss-259	44	3	constructed	construct	VERB
esutjss-259	44	4	a	a	DET
esutjss-259	44	5	financial	financial	ADJ
esutjss-259	44	6	inclusion	inclusion	NOUN
esutjss-259	44	7	indicator	indicator	NOUN
esutjss-259	44	8	to	to	PART
esutjss-259	44	9	assess	assess	VERB
esutjss-259	44	10	various	various	ADJ
esutjss-259	44	11	macroeconomic	macroeconomic	ADJ
esutjss-259	44	12	and	and	CCONJ
esutjss-259	44	13	country	country	NOUN
esutjss-259	44	14	-	-	PUNCT
esutjss-259	44	15	specific	specific	ADJ
esutjss-259	44	16	factors	factor	NOUN
esutjss-259	44	17	affecting	affect	VERB
esutjss-259	44	18	the	the	DET
esutjss-259	44	19	degree	degree	NOUN
esutjss-259	44	20	of	of	ADP
esutjss-259	44	21	financial	financial	ADJ
esutjss-259	44	22	inclusion	inclusion	NOUN
esutjss-259	44	23	for	for	ADP
esutjss-259	44	24	37	37	NUM
esutjss-259	44	25	selected	select	VERB
esutjss-259	44	26	developing	develop	VERB
esutjss-259	44	27	asian	asian	ADJ
esutjss-259	44	28	economies	economy	NOUN
esutjss-259	44	29	.	.	PUNCT
esutjss-259	45	1	data	datum	NOUN
esutjss-259	45	2	on	on	ADP
esutjss-259	45	3	poverty	poverty	NOUN
esutjss-259	45	4	rates	rate	NOUN
esutjss-259	45	5	,	,	PUNCT
esutjss-259	45	6	income	income	NOUN
esutjss-259	45	7	inequality	inequality	NOUN
esutjss-259	45	8	measured	measure	VERB
esutjss-259	45	9	by	by	ADP
esutjss-259	45	10	gini	gini	PROPN
esutjss-259	45	11	index	index	PROPN
esutjss-259	45	12	,	,	PUNCT
esutjss-259	45	13	age	age	NOUN
esutjss-259	45	14	dependency	dependency	NOUN
esutjss-259	45	15	ratio	ratio	NOUN
esutjss-259	45	16	,	,	PUNCT
esutjss-259	45	17	inflation	inflation	NOUN
esutjss-259	45	18	,	,	PUNCT
esutjss-259	45	19	per	per	ADP
esutjss-259	45	20	capita	capita	NOUN
esutjss-259	45	21	income	income	NOUN
esutjss-259	45	22	,	,	PUNCT
esutjss-259	45	23	literacy	literacy	NOUN
esutjss-259	45	24	rate	rate	NOUN
esutjss-259	45	25	,	,	PUNCT
esutjss-259	45	26	rule	rule	NOUN
esutjss-259	45	27	of	of	ADP
esutjss-259	45	28	law	law	NOUN
esutjss-259	45	29	,	,	PUNCT
esutjss-259	45	30	primary	primary	ADJ
esutjss-259	45	31	education	education	NOUN
esutjss-259	45	32	completion	completion	NOUN
esutjss-259	45	33	rate	rate	NOUN
esutjss-259	45	34	and	and	CCONJ
esutjss-259	45	35	gdp	gdp	NOUN
esutjss-259	45	36	growth	growth	NOUN
esutjss-259	45	37	rate	rate	NOUN
esutjss-259	45	38	were	be	AUX
esutjss-259	45	39	employed	employ	VERB
esutjss-259	45	40	to	to	PART
esutjss-259	45	41	capture	capture	VERB
esutjss-259	45	42	the	the	DET
esutjss-259	45	43	objectives	objective	NOUN
esutjss-259	45	44	of	of	ADP
esutjss-259	45	45	the	the	DET
esutjss-259	45	46	study	study	NOUN
esutjss-259	45	47	.	.	PUNCT
esutjss-259	46	1	using	use	VERB
esutjss-259	46	2	a	a	DET
esutjss-259	46	3	panel	panel	NOUN
esutjss-259	46	4	ols	ol	NOUN
esutjss-259	46	5	estimation	estimation	NOUN
esutjss-259	46	6	technique	technique	NOUN
esutjss-259	46	7	,	,	PUNCT
esutjss-259	46	8	estimated	estimate	VERB
esutjss-259	46	9	models	model	NOUN
esutjss-259	46	10	show	show	VERB
esutjss-259	46	11	that	that	SCONJ
esutjss-259	46	12	per	per	ADP
esutjss-259	46	13	capita	capita	NOUN
esutjss-259	46	14	income	income	NOUN
esutjss-259	46	15	,	,	PUNCT
esutjss-259	46	16	rule	rule	NOUN
esutjss-259	46	17	of	of	ADP
esutjss-259	46	18	law	law	NOUN
esutjss-259	46	19	,	,	PUNCT
esutjss-259	46	20	and	and	CCONJ
esutjss-259	46	21	demographic	demographic	ADJ
esutjss-259	46	22	characteristics	characteristic	NOUN
esutjss-259	46	23	significantly	significantly	ADV
esutjss-259	46	24	affect	affect	VERB
esutjss-259	46	25	financial	financial	ADJ
esutjss-259	46	26	inclusion	inclusion	NOUN
esutjss-259	46	27	in	in	ADP
esutjss-259	46	28	developing	develop	VERB
esutjss-259	46	29	asia	asia	PROPN
esutjss-259	46	30	.	.	PUNCT
esutjss-259	47	1	furthermore	furthermore	ADV
esutjss-259	47	2	,	,	PUNCT
esutjss-259	47	3	we	we	PRON
esutjss-259	47	4	find	find	VERB
esutjss-259	47	5	that	that	SCONJ
esutjss-259	47	6	financial	financial	ADJ
esutjss-259	47	7	inclusion	inclusion	NOUN
esutjss-259	47	8	significantly	significantly	ADV
esutjss-259	47	9	reduces	reduce	VERB
esutjss-259	47	10	poverty	poverty	NOUN
esutjss-259	47	11	;	;	PUNCT
esutjss-259	47	12	and	and	CCONJ
esutjss-259	47	13	there	there	PRON
esutjss-259	47	14	is	be	VERB
esutjss-259	47	15	also	also	ADV
esutjss-259	47	16	evidence	evidence	NOUN
esutjss-259	47	17	that	that	SCONJ
esutjss-259	47	18	it	it	PRON
esutjss-259	47	19	lowers	lower	VERB
esutjss-259	47	20	income	income	NOUN
esutjss-259	47	21	inequality	inequality	NOUN
esutjss-259	47	22	.	.	PUNCT
esutjss-259	48	1	findings	finding	NOUN
esutjss-259	48	2	suggest	suggest	VERB
esutjss-259	48	3	that	that	SCONJ
esutjss-259	48	4	the	the	DET
esutjss-259	48	5	provisions	provision	NOUN
esutjss-259	48	6	for	for	ADP
esutjss-259	48	7	young	young	ADJ
esutjss-259	48	8	and	and	CCONJ
esutjss-259	48	9	old	old	ADJ
esutjss-259	48	10	-	-	PUNCT
esutjss-259	48	11	age	age	NOUN
esutjss-259	48	12	populations	population	NOUN
esutjss-259	48	13	,	,	PUNCT
esutjss-259	48	14	e.g.	e.g.	ADV
esutjss-259	48	15	,	,	PUNCT
esutjss-259	48	16	retirement	retirement	NOUN
esutjss-259	48	17	pensions	pension	NOUN
esutjss-259	48	18	;	;	PUNCT
esutjss-259	48	19	and	and	CCONJ
esutjss-259	48	20	stronger	strong	ADJ
esutjss-259	48	21	rule	rule	NOUN
esutjss-259	48	22	of	of	ADP
esutjss-259	48	23	law	law	NOUN
esutjss-259	48	24	,	,	PUNCT
esutjss-259	48	25	including	include	VERB
esutjss-259	48	26	enforcement	enforcement	NOUN
esutjss-259	48	27	of	of	ADP
esutjss-259	48	28	financial	financial	ADJ
esutjss-259	48	29	contracts	contract	NOUN
esutjss-259	48	30	and	and	CCONJ
esutjss-259	48	31	financial	financial	ADJ
esutjss-259	48	32	regulatory	regulatory	ADJ
esutjss-259	48	33	oversight	oversight	NOUN
esutjss-259	48	34	,	,	PUNCT
esutjss-259	48	35	will	will	AUX
esutjss-259	48	36	broaden	broaden	VERB
esutjss-259	48	37	financial	financial	ADJ
esutjss-259	48	38	inclusion	inclusion	NOUN
esutjss-259	48	39	,	,	PUNCT
esutjss-259	48	40	thereby	thereby	ADV
esutjss-259	48	41	contributing	contribute	VERB
esutjss-259	48	42	to	to	ADP
esutjss-259	48	43	poverty	poverty	NOUN
esutjss-259	48	44	reduction	reduction	NOUN
esutjss-259	48	45	and	and	CCONJ
esutjss-259	48	46	lower	low	ADJ
esutjss-259	48	47	income	income	NOUN
esutjss-259	48	48	inequality	inequality	NOUN
esutjss-259	48	49	.	.	PUNCT
esutjss-259	49	1	ajide	ajide	ADV
esutjss-259	49	2	(	(	PUNCT
esutjss-259	49	3	2017	2017	NUM
esutjss-259	49	4	)	)	PUNCT
esutjss-259	49	5	examined	examine	VERB
esutjss-259	49	6	the	the	DET
esutjss-259	49	7	determinants	determinant	NOUN
esutjss-259	49	8	of	of	ADP
esutjss-259	49	9	financial	financial	ADJ
esutjss-259	49	10	inclusion	inclusion	NOUN
esutjss-259	49	11	by	by	ADP
esutjss-259	49	12	specially	specially	ADV
esutjss-259	49	13	accounting	account	VERB
esutjss-259	49	14	for	for	ADP
esutjss-259	49	15	the	the	DET
esutjss-259	49	16	role	role	NOUN
esutjss-259	49	17	of	of	ADP
esutjss-259	49	18	institutions	institution	NOUN
esutjss-259	49	19	in	in	ADP
esutjss-259	49	20	a	a	DET
esutjss-259	49	21	panel	panel	NOUN
esutjss-259	49	22	of	of	ADP
esutjss-259	49	23	eighteen	eighteen	NUM
esutjss-259	49	24	(	(	PUNCT
esutjss-259	49	25	18	18	NUM
esutjss-259	49	26	)	)	PUNCT
esutjss-259	49	27	sub	sub	ADJ
esutjss-259	49	28	-	-	ADJ
esutjss-259	49	29	saharan	saharan	ADJ
esutjss-259	49	30	africa	africa	PROPN
esutjss-259	49	31	(	(	PUNCT
esutjss-259	49	32	ssa	ssa	NOUN
esutjss-259	49	33	)	)	PUNCT
esutjss-259	49	34	countries	country	NOUN
esutjss-259	49	35	using	use	VERB
esutjss-259	49	36	a	a	DET
esutjss-259	49	37	dynamic	dynamic	ADJ
esutjss-259	49	38	system	system	NOUN
esutjss-259	49	39	of	of	ADP
esutjss-259	49	40	generalized	generalized	ADJ
esutjss-259	49	41	method	method	NOUN
esutjss-259	49	42	of	of	ADP
esutjss-259	49	43	moments	moment	NOUN
esutjss-259	49	44	(	(	PUNCT
esutjss-259	49	45	sys	sys	PROPN
esutjss-259	49	46	-	-	PUNCT
esutjss-259	49	47	gmm	gmm	NOUN
esutjss-259	49	48	)	)	PUNCT
esutjss-259	49	49	.	.	PUNCT
esutjss-259	50	1	the	the	DET
esutjss-259	50	2	study	study	NOUN
esutjss-259	50	3	employed	employ	VERB
esutjss-259	50	4	a	a	DET
esutjss-259	50	5	balanced	balanced	ADJ
esutjss-259	50	6	data	datum	NOUN
esutjss-259	50	7	set	set	VERB
esutjss-259	50	8	covering	cover	VERB
esutjss-259	50	9	18	18	NUM
esutjss-259	50	10	countries3	countries3	NOUN
esutjss-259	50	11	in	in	ADP
esutjss-259	50	12	sub	sub	ADJ
esutjss-259	50	13	-	-	ADJ
esutjss-259	50	14	saharan	saharan	ADJ
esutjss-259	50	15	region	region	NOUN
esutjss-259	50	16	is	be	AUX
esutjss-259	50	17	used	use	VERB
esutjss-259	50	18	,	,	PUNCT
esutjss-259	50	19	covering	cover	VERB
esutjss-259	50	20	the	the	DET
esutjss-259	50	21	period	period	NOUN
esutjss-259	50	22	2004	2004	NUM
esutjss-259	50	23	-	-	SYM
esutjss-259	50	24	2010	2010	NUM
esutjss-259	50	25	.	.	PUNCT
esutjss-259	51	1	three	three	NUM
esutjss-259	51	2	measures	measure	NOUN
esutjss-259	51	3	for	for	ADP
esutjss-259	51	4	capturing	capture	VERB
esutjss-259	51	5	financial	financial	ADJ
esutjss-259	51	6	inclusion	inclusion	NOUN
esutjss-259	51	7	were	be	AUX
esutjss-259	51	8	employed	employ	VERB
esutjss-259	51	9	in	in	ADP
esutjss-259	51	10	the	the	DET
esutjss-259	51	11	study	study	NOUN
esutjss-259	51	12	,	,	PUNCT
esutjss-259	51	13	namely	namely	ADV
esutjss-259	51	14	:	:	PUNCT
esutjss-259	51	15	automatic	automatic	ADJ
esutjss-259	51	16	teller	teller	NOUN
esutjss-259	51	17	machines	machine	NOUN
esutjss-259	51	18	(	(	PUNCT
esutjss-259	51	19	atms	atms	NOUN
esutjss-259	51	20	)	)	PUNCT
esutjss-259	51	21	per	per	ADP
esutjss-259	51	22	100,000	100,000	NUM
esutjss-259	51	23	adults	adult	NOUN
esutjss-259	51	24	;	;	PUNCT
esutjss-259	51	25	bank	bank	NOUN
esutjss-259	51	26	branches	branch	NOUN
esutjss-259	51	27	per	per	ADP
esutjss-259	51	28	100,000	100,000	NUM
esutjss-259	51	29	adults	adult	NOUN
esutjss-259	51	30	and	and	CCONJ
esutjss-259	51	31	atms	atms	NOUN
esutjss-259	51	32	per	per	ADP
esutjss-259	51	33	1000km2	1000km2	NUM
esutjss-259	51	34	.	.	PUNCT
esutjss-259	52	1	the	the	DET
esutjss-259	52	2	emanated	emanated	ADJ
esutjss-259	52	3	findings	finding	NOUN
esutjss-259	52	4	consistently	consistently	ADV
esutjss-259	52	5	stress	stress	VERB
esutjss-259	52	6	the	the	DET
esutjss-259	52	7	importance	importance	NOUN
esutjss-259	52	8	of	of	ADP
esutjss-259	52	9	institutions	institution	NOUN
esutjss-259	52	10	together	together	ADV
esutjss-259	52	11	with	with	ADP
esutjss-259	52	12	other	other	ADJ
esutjss-259	52	13	control	control	NOUN
esutjss-259	52	14	variables	variable	NOUN
esutjss-259	52	15	like	like	ADP
esutjss-259	52	16	gdp	gdp	NOUN
esutjss-259	52	17	per	per	ADP
esutjss-259	52	18	capita	capita	NOUN
esutjss-259	52	19	,	,	PUNCT
esutjss-259	52	20	inflation	inflation	NOUN
esutjss-259	52	21	,	,	PUNCT
esutjss-259	52	22	bank	bank	NOUN
esutjss-259	52	23	concentration	concentration	NOUN
esutjss-259	52	24	and	and	CCONJ
esutjss-259	52	25	z	z	NOUN
esutjss-259	52	26	-	-	PUNCT
esutjss-259	52	27	score	score	NOUN
esutjss-259	52	28	as	as	ADP
esutjss-259	52	29	key	key	ADJ
esutjss-259	52	30	drivers	driver	NOUN
esutjss-259	52	31	of	of	ADP
esutjss-259	52	32	fi	fi	NOUN
esutjss-259	52	33	.	.	PUNCT
esutjss-259	53	1	in	in	ADP
esutjss-259	53	2	the	the	DET
esutjss-259	53	3	final	final	ADJ
esutjss-259	53	4	analysis	analysis	NOUN
esutjss-259	53	5	,	,	PUNCT
esutjss-259	53	6	the	the	DET
esutjss-259	53	7	paper	paper	NOUN
esutjss-259	53	8	emphasizes	emphasize	VERB
esutjss-259	53	9	the	the	DET
esutjss-259	53	10	importance	importance	NOUN
esutjss-259	53	11	of	of	ADP
esutjss-259	53	12	using	use	VERB
esutjss-259	53	13	dimension	dimension	NOUN
esutjss-259	53	14	by	by	ADP
esutjss-259	53	15	dimension	dimension	NOUN
esutjss-259	53	16	indicators	indicator	NOUN
esutjss-259	53	17	of	of	ADP
esutjss-259	53	18	governance	governance	NOUN
esutjss-259	53	19	as	as	ADV
esutjss-259	53	20	well	well	ADV
esutjss-259	53	21	as	as	ADP
esutjss-259	53	22	a	a	DET
esutjss-259	53	23	composite	composite	ADJ
esutjss-259	53	24	governance	governance	NOUN
esutjss-259	53	25	index	index	NOUN
esutjss-259	53	26	instead	instead	ADV
esutjss-259	53	27	of	of	ADP
esutjss-259	53	28	relying	rely	VERB
esutjss-259	53	29	solely	solely	ADV
esutjss-259	53	30	on	on	ADP
esutjss-259	53	31	the	the	DET
esutjss-259	53	32	latter	latter	NOUN
esutjss-259	53	33	as	as	ADP
esutjss-259	53	34	a	a	DET
esutjss-259	53	35	basis	basis	NOUN
esutjss-259	53	36	of	of	ADP
esutjss-259	53	37	informing	inform	VERB
esutjss-259	53	38	policy	policy	NOUN
esutjss-259	53	39	decisions	decision	NOUN
esutjss-259	53	40	as	as	SCONJ
esutjss-259	53	41	both	both	PRON
esutjss-259	53	42	yield	yield	VERB
esutjss-259	53	43	different	different	ADJ
esutjss-259	53	44	policy	policy	NOUN
esutjss-259	53	45	outcomes	outcome	NOUN
esutjss-259	53	46	.	.	PUNCT
esutjss-259	54	1	park	park	PROPN
esutjss-259	54	2	&	&	CCONJ
esutjss-259	54	3	mercado	mercado	PROPN
esutjss-259	54	4	(	(	PUNCT
esutjss-259	54	5	2018	2018	NUM
esutjss-259	54	6	)	)	PUNCT
esutjss-259	54	7	analysed	analyse	VERB
esutjss-259	54	8	the	the	DET
esutjss-259	54	9	relationship	relationship	NOUN
esutjss-259	54	10	between	between	ADP
esutjss-259	54	11	financial	financial	ADJ
esutjss-259	54	12	inclusion	inclusion	NOUN
esutjss-259	54	13	and	and	CCONJ
esutjss-259	54	14	inequality	inequality	NOUN
esutjss-259	54	15	using	use	VERB
esutjss-259	54	16	68	68	NUM
esutjss-259	54	17	data	datum	NOUN
esutjss-259	54	18	from	from	ADP
esutjss-259	54	19	176	176	NUM
esutjss-259	54	20	countries	country	NOUN
esutjss-259	54	21	including	include	VERB
esutjss-259	54	22	37	37	NUM
esutjss-259	54	23	from	from	ADP
esutjss-259	54	24	asia	asia	PROPN
esutjss-259	54	25	.	.	PUNCT
esutjss-259	55	1	the	the	DET
esutjss-259	55	2	study	study	NOUN
esutjss-259	55	3	constructed	construct	VERB
esutjss-259	55	4	a	a	DET
esutjss-259	55	5	new	new	ADJ
esutjss-259	55	6	financial	financial	ADJ
esutjss-259	55	7	inclusion	inclusion	NOUN
esutjss-259	55	8	indicators	indicator	NOUN
esutjss-259	55	9	to	to	PART
esutjss-259	55	10	evaluate	evaluate	VERB
esutjss-259	55	11	several	several	ADJ
esutjss-259	55	12	macroeconomic	macroeconomic	ADJ
esutjss-259	55	13	and	and	CCONJ
esutjss-259	55	14	country	country	NOUN
esutjss-259	55	15	-	-	PUNCT
esutjss-259	55	16	specific	specific	ADJ
esutjss-259	55	17	factors	factor	NOUN
esutjss-259	55	18	affecting	affect	VERB
esutjss-259	55	19	the	the	DET
esutjss-259	55	20	degree	degree	NOUN
esutjss-259	55	21	of	of	ADP
esutjss-259	55	22	financial	financial	ADJ
esutjss-259	55	23	inclusion	inclusion	NOUN
esutjss-259	55	24	for	for	ADP
esutjss-259	55	25	the	the	DET
esutjss-259	55	26	selected	select	VERB
esutjss-259	55	27	countries	country	NOUN
esutjss-259	55	28	.	.	PUNCT
esutjss-259	56	1	when	when	SCONJ
esutjss-259	56	2	the	the	DET
esutjss-259	56	3	study	study	NOUN
esutjss-259	56	4	tested	test	VERB
esutjss-259	56	5	the	the	DET
esutjss-259	56	6	effect	effect	NOUN
esutjss-259	56	7	of	of	ADP
esutjss-259	56	8	financial	financial	ADJ
esutjss-259	56	9	inclusion	inclusion	NOUN
esutjss-259	56	10	on	on	ADP
esutjss-259	56	11	poverty	poverty	NOUN
esutjss-259	56	12	and	and	CCONJ
esutjss-259	56	13	inequality	inequality	NOUN
esutjss-259	56	14	,	,	PUNCT
esutjss-259	56	15	the	the	DET
esutjss-259	56	16	study	study	NOUN
esutjss-259	56	17	found	find	VERB
esutjss-259	56	18	that	that	SCONJ
esutjss-259	56	19	financial	financial	ADJ
esutjss-259	56	20	inclusion	inclusion	NOUN
esutjss-259	56	21	is	be	AUX
esutjss-259	56	22	significantly	significantly	ADV
esutjss-259	56	23	inversely	inversely	ADV
esutjss-259	56	24	correlated	correlate	VERB
esutjss-259	56	25	with	with	ADP
esutjss-259	56	26	poverty	poverty	NOUN
esutjss-259	56	27	and	and	CCONJ
esutjss-259	56	28	income	income	NOUN
esutjss-259	56	29	inequality	inequality	NOUN
esutjss-259	56	30	.	.	PUNCT
esutjss-259	57	1	the	the	DET
esutjss-259	57	2	study	study	NOUN
esutjss-259	57	3	found	find	VERB
esutjss-259	57	4	that	that	SCONJ
esutjss-259	57	5	the	the	DET
esutjss-259	57	6	finding	finding	NOUN
esutjss-259	57	7	was	be	AUX
esutjss-259	57	8	true	true	ADJ
esutjss-259	57	9	for	for	ADP
esutjss-259	57	10	the	the	DET
esutjss-259	57	11	sample	sample	NOUN
esutjss-259	57	12	of	of	ADP
esutjss-259	57	13	all	all	DET
esutjss-259	57	14	176	176	NUM
esutjss-259	57	15	countries	country	NOUN
esutjss-259	57	16	,	,	PUNCT
esutjss-259	57	17	however	however	ADV
esutjss-259	57	18	,	,	PUNCT
esutjss-259	57	19	when	when	SCONJ
esutjss-259	57	20	the	the	DET
esutjss-259	57	21	37	37	NUM
esutjss-259	57	22	developing	develop	VERB
esutjss-259	57	23	asian	asian	ADJ
esutjss-259	57	24	countries	country	NOUN
esutjss-259	57	25	were	be	AUX
esutjss-259	57	26	estimated	estimate	VERB
esutjss-259	57	27	the	the	DET
esutjss-259	57	28	study	study	NOUN
esutjss-259	57	29	found	find	VERB
esutjss-259	57	30	no	no	DET
esutjss-259	57	31	link	link	NOUN
esutjss-259	57	32	between	between	ADP
esutjss-259	57	33	financial	financial	ADJ
esutjss-259	57	34	inclusion	inclusion	NOUN
esutjss-259	57	35	and	and	CCONJ
esutjss-259	57	36	income	income	NOUN
esutjss-259	57	37	inequality	inequality	NOUN
esutjss-259	57	38	.	.	PUNCT
esutjss-259	58	1	sukmana	sukmana	PROPN
esutjss-259	58	2	and	and	CCONJ
esutjss-259	58	3	ibrahim	ibrahim	PROPN
esutjss-259	58	4	,	,	PUNCT
esutjss-259	58	5	(	(	PUNCT
esutjss-259	58	6	2018	2018	NUM
esutjss-259	58	7	)	)	PUNCT
esutjss-259	58	8	examined	examine	VERB
esutjss-259	58	9	the	the	DET
esutjss-259	58	10	nexus	nexus	NOUN
esutjss-259	58	11	between	between	ADP
esutjss-259	58	12	financial	financial	ADJ
esutjss-259	58	13	inclusion	inclusion	NOUN
esutjss-259	58	14	and	and	CCONJ
esutjss-259	58	15	inequality	inequality	NOUN
esutjss-259	58	16	.	.	PUNCT
esutjss-259	59	1	specifically	specifically	ADV
esutjss-259	59	2	,	,	PUNCT
esutjss-259	59	3	the	the	DET
esutjss-259	59	4	study	study	NOUN
esutjss-259	59	5	sought	seek	VERB
esutjss-259	59	6	to	to	PART
esutjss-259	59	7	ascertain	ascertain	VERB
esutjss-259	59	8	whether	whether	SCONJ
esutjss-259	59	9	whether	whether	SCONJ
esutjss-259	59	10	financial	financial	ADJ
esutjss-259	59	11	access	access	NOUN
esutjss-259	59	12	reduces	reduce	VERB
esutjss-259	59	13	income	income	NOUN
esutjss-259	59	14	inequality	inequality	NOUN
esutjss-259	59	15	at	at	ADP
esutjss-259	59	16	different	different	ADJ
esutjss-259	59	17	levels	level	NOUN
esutjss-259	59	18	of	of	ADP
esutjss-259	59	19	inequality	inequality	NOUN
esutjss-259	59	20	.	.	PUNCT
esutjss-259	60	1	using	use	VERB
esutjss-259	60	2	a	a	DET
esutjss-259	60	3	data	data	NOUN
esutjss-259	60	4	set	set	VERB
esutjss-259	60	5	of	of	ADP
esutjss-259	60	6	73	73	NUM
esutjss-259	60	7	countries	country	NOUN
esutjss-259	60	8	and	and	CCONJ
esutjss-259	60	9	applying	apply	VERB
esutjss-259	60	10	quantile	quantile	ADJ
esutjss-259	60	11	regression	regression	NOUN
esutjss-259	60	12	econometric	econometric	ADJ
esutjss-259	60	13	technique	technique	NOUN
esutjss-259	60	14	,	,	PUNCT
esutjss-259	60	15	the	the	DET
esutjss-259	60	16	study	study	NOUN
esutjss-259	60	17	established	establish	VERB
esutjss-259	60	18	that	that	SCONJ
esutjss-259	60	19	financial	financial	ADJ
esutjss-259	60	20	access	access	NOUN
esutjss-259	60	21	reduces	reduce	VERB
esutjss-259	60	22	income	income	NOUN
esutjss-259	60	23	inequality	inequality	NOUN
esutjss-259	60	24	when	when	SCONJ
esutjss-259	60	25	inequality	inequality	NOUN
esutjss-259	60	26	of	of	ADP
esutjss-259	60	27	a	a	DET
esutjss-259	60	28	country	country	NOUN
esutjss-259	60	29	is	be	AUX
esutjss-259	60	30	low	low	ADJ
esutjss-259	60	31	.	.	PUNCT
esutjss-259	61	1	findings	finding	NOUN
esutjss-259	61	2	from	from	ADP
esutjss-259	61	3	the	the	DET
esutjss-259	61	4	study	study	NOUN
esutjss-259	61	5	shows	show	VERB
esutjss-259	61	6	that	that	SCONJ
esutjss-259	61	7	at	at	ADP
esutjss-259	61	8	high	high	ADJ
esutjss-259	61	9	levels	level	NOUN
esutjss-259	61	10	of	of	ADP
esutjss-259	61	11	inequality	inequality	NOUN
esutjss-259	61	12	,	,	PUNCT
esutjss-259	61	13	financial	financial	ADJ
esutjss-259	61	14	access	access	NOUN
esutjss-259	61	15	have	have	VERB
esutjss-259	61	16	little	little	ADJ
esutjss-259	61	17	or	or	CCONJ
esutjss-259	61	18	no	no	PRON
esutjss-259	61	19	impact	impact	NOUN
esutjss-259	61	20	whatsoever	whatsoever	ADV
esutjss-259	61	21	on	on	ADP
esutjss-259	61	22	income	income	NOUN
esutjss-259	61	23	.	.	PUNCT
esutjss-259	62	1	furthermore	furthermore	ADV
esutjss-259	62	2	,	,	PUNCT
esutjss-259	62	3	the	the	DET
esutjss-259	62	4	study	study	NOUN
esutjss-259	62	5	showed	show	VERB
esutjss-259	62	6	that	that	SCONJ
esutjss-259	62	7	trade	trade	NOUN
esutjss-259	62	8	openness	openness	NOUN
esutjss-259	62	9	and	and	CCONJ
esutjss-259	62	10	infrastructure	infrastructure	NOUN
esutjss-259	62	11	in	in	ADP
esutjss-259	62	12	significantly	significantly	ADV
esutjss-259	62	13	reduces	reduce	VERB
esutjss-259	62	14	income	income	NOUN
esutjss-259	62	15	inequality	inequality	NOUN
esutjss-259	62	16	at	at	ADP
esutjss-259	62	17	low	low	ADJ
esutjss-259	62	18	and	and	CCONJ
esutjss-259	62	19	high	high	ADJ
esutjss-259	62	20	inequality	inequality	NOUN
esutjss-259	62	21	levels	level	NOUN
esutjss-259	62	22	.	.	PUNCT
esutjss-259	63	1	zia	zia	PROPN
esutjss-259	63	2	&	&	CCONJ
esutjss-259	63	3	prasetyo	prasetyo	PROPN
esutjss-259	63	4	(	(	PUNCT
esutjss-259	63	5	2018	2018	NUM
esutjss-259	63	6	)	)	PUNCT
esutjss-259	63	7	examined	examine	VERB
esutjss-259	63	8	the	the	DET
esutjss-259	63	9	nexus	nexus	NOUN
esutjss-259	63	10	between	between	ADP
esutjss-259	63	11	financial	financial	ADJ
esutjss-259	63	12	inclusion	inclusion	NOUN
esutjss-259	63	13	and	and	CCONJ
esutjss-259	63	14	poverty	poverty	NOUN
esutjss-259	63	15	alleviation	alleviation	NOUN
esutjss-259	63	16	on	on	ADP
esutjss-259	63	17	one	one	NUM
esutjss-259	63	18	hand	hand	NOUN
esutjss-259	63	19	and	and	CCONJ
esutjss-259	63	20	financial	financial	ADJ
esutjss-259	63	21	inclusion	inclusion	NOUN
esutjss-259	63	22	and	and	CCONJ
esutjss-259	63	23	income	income	NOUN
esutjss-259	63	24	inequality	inequality	NOUN
esutjss-259	63	25	in	in	ADP
esutjss-259	63	26	indonesia	indonesia	PROPN
esutjss-259	63	27	.	.	PUNCT
esutjss-259	64	1	using	use	VERB
esutjss-259	64	2	time	time	NOUN
esutjss-259	64	3	series	series	PROPN
esutjss-259	64	4	data	datum	NOUN
esutjss-259	64	5	running	run	VERB
esutjss-259	64	6	from	from	ADP
esutjss-259	64	7	2014	2014	NUM
esutjss-259	64	8	to	to	ADP
esutjss-259	64	9	2016	2016	NUM
esutjss-259	64	10	across	across	ADP
esutjss-259	64	11	33	33	NUM
esutjss-259	64	12	province	province	NOUN
esutjss-259	64	13	in	in	ADP
esutjss-259	64	14	indonesia	indonesia	PROPN
esutjss-259	64	15	,	,	PUNCT
esutjss-259	64	16	the	the	DET
esutjss-259	64	17	study	study	NOUN
esutjss-259	64	18	employed	employ	VERB
esutjss-259	64	19	both	both	DET
esutjss-259	64	20	panel	panel	NOUN
esutjss-259	64	21	ols	ol	NOUN
esutjss-259	64	22	regression	regression	NOUN
esutjss-259	64	23	and	and	CCONJ
esutjss-259	64	24	correlation	correlation	NOUN
esutjss-259	64	25	analysis	analysis	NOUN
esutjss-259	64	26	to	to	PART
esutjss-259	64	27	evaluate	evaluate	VERB
esutjss-259	64	28	the	the	DET
esutjss-259	64	29	data	datum	NOUN
esutjss-259	64	30	.	.	PUNCT
esutjss-259	65	1	financial	financial	ADJ
esutjss-259	65	2	inclusion	inclusion	NOUN
esutjss-259	65	3	index	index	NOUN
esutjss-259	65	4	was	be	AUX
esutjss-259	65	5	constructed	construct	VERB
esutjss-259	65	6	using	use	VERB
esutjss-259	65	7	measures	measure	NOUN
esutjss-259	65	8	of	of	ADP
esutjss-259	65	9	banking	banking	NOUN
esutjss-259	65	10	penetration	penetration	NOUN
esutjss-259	65	11	,	,	PUNCT
esutjss-259	65	12	banking	banking	NOUN
esutjss-259	65	13	services	service	NOUN
esutjss-259	65	14	availability	availability	NOUN
esutjss-259	65	15	,	,	PUNCT
esutjss-259	65	16	and	and	CCONJ
esutjss-259	65	17	the	the	DET
esutjss-259	65	18	use	use	NOUN
esutjss-259	65	19	of	of	ADP
esutjss-259	65	20	banking	banking	NOUN
esutjss-259	65	21	services	service	NOUN
esutjss-259	65	22	.	.	PUNCT
esutjss-259	66	1	findings	finding	NOUN
esutjss-259	66	2	from	from	ADP
esutjss-259	66	3	the	the	DET
esutjss-259	66	4	study	study	NOUN
esutjss-259	66	5	showed	show	VERB
esutjss-259	66	6	that	that	SCONJ
esutjss-259	66	7	financial	financial	ADJ
esutjss-259	66	8	inclusion	inclusion	NOUN
esutjss-259	66	9	significantly	significantly	ADV
esutjss-259	66	10	reduces	reduce	VERB
esutjss-259	66	11	poverty	poverty	NOUN
esutjss-259	66	12	and	and	CCONJ
esutjss-259	66	13	that	that	SCONJ
esutjss-259	66	14	financial	financial	ADJ
esutjss-259	66	15	inclusion	inclusion	NOUN
esutjss-259	66	16	has	have	VERB
esutjss-259	66	17	a	a	DET
esutjss-259	66	18	positive	positive	ADJ
esutjss-259	66	19	but	but	CCONJ
esutjss-259	66	20	insignificant	insignificant	ADJ
esutjss-259	66	21	effect	effect	NOUN
esutjss-259	66	22	on	on	ADP
esutjss-259	66	23	income	income	NOUN
esutjss-259	66	24	inequality	inequality	NOUN
esutjss-259	66	25	in	in	ADP
esutjss-259	66	26	indonesia	indonesia	PROPN
esutjss-259	66	27	omar	omar	PROPN
esutjss-259	66	28	and	and	CCONJ
esutjss-259	66	29	inaba	inaba	PROPN
esutjss-259	66	30	(	(	PUNCT
esutjss-259	66	31	2020	2020	NUM
esutjss-259	66	32	)	)	PUNCT
esutjss-259	66	33	investigates	investigate	VERB
esutjss-259	66	34	the	the	DET
esutjss-259	66	35	impact	impact	NOUN
esutjss-259	66	36	of	of	ADP
esutjss-259	66	37	financial	financial	ADJ
esutjss-259	66	38	inclusion	inclusion	NOUN
esutjss-259	66	39	on	on	ADP
esutjss-259	66	40	reducing	reduce	VERB
esutjss-259	66	41	poverty	poverty	NOUN
esutjss-259	66	42	and	and	CCONJ
esutjss-259	66	43	income	income	NOUN
esutjss-259	66	44	inequality	inequality	NOUN
esutjss-259	66	45	,	,	PUNCT
esutjss-259	66	46	and	and	CCONJ
esutjss-259	66	47	the	the	DET
esutjss-259	66	48	determinants	determinant	NOUN
esutjss-259	66	49	and	and	CCONJ
esutjss-259	66	50	conditional	conditional	ADJ
esutjss-259	66	51	effects	effect	NOUN
esutjss-259	66	52	thereof	thereof	ADV
esutjss-259	66	53	in	in	ADP
esutjss-259	66	54	116	116	NUM
esutjss-259	66	55	developing	develop	VERB
esutjss-259	66	56	countries	country	NOUN
esutjss-259	66	57	.	.	PUNCT
esutjss-259	67	1	the	the	DET
esutjss-259	67	2	analysis	analysis	NOUN
esutjss-259	67	3	was	be	AUX
esutjss-259	67	4	carried	carry	VERB
esutjss-259	67	5	out	out	ADP
esutjss-259	67	6	using	use	VERB
esutjss-259	67	7	an	an	DET
esutjss-259	67	8	unbalanced	unbalanced	ADJ
esutjss-259	67	9	annual	annual	ADJ
esutjss-259	67	10	panel	panel	NOUN
esutjss-259	67	11	data	datum	NOUN
esutjss-259	67	12	for	for	ADP
esutjss-259	67	13	the	the	DET
esutjss-259	67	14	period	period	NOUN
esutjss-259	67	15	of	of	ADP
esutjss-259	67	16	2004–2016	2004–2016	NUM
esutjss-259	67	17	.	.	PUNCT
esutjss-259	68	1	a	a	DET
esutjss-259	68	2	novel	novel	ADJ
esutjss-259	68	3	index	index	NOUN
esutjss-259	68	4	of	of	ADP
esutjss-259	68	5	financial	financial	ADJ
esutjss-259	68	6	inclusion	inclusion	NOUN
esutjss-259	68	7	was	be	AUX
esutjss-259	68	8	constructed	construct	VERB
esutjss-259	68	9	using	use	VERB
esutjss-259	68	10	a	a	DET
esutjss-259	68	11	broad	broad	ADJ
esutjss-259	68	12	set	set	NOUN
esutjss-259	68	13	of	of	ADP
esutjss-259	68	14	financial	financial	ADJ
esutjss-259	68	15	sector	sector	NOUN
esutjss-259	68	16	outreach	outreach	NOUN
esutjss-259	68	17	indicators	indicator	NOUN
esutjss-259	68	18	.	.	PUNCT
esutjss-259	69	1	evidence	evidence	NOUN
esutjss-259	69	2	from	from	ADP
esutjss-259	69	3	the	the	DET
esutjss-259	69	4	estimated	estimate	VERB
esutjss-259	69	5	panel	panel	NOUN
esutjss-259	69	6	data	datum	NOUN
esutjss-259	69	7	showed	show	VERB
esutjss-259	69	8	that	that	SCONJ
esutjss-259	69	9	per	per	ADP
esutjss-259	69	10	capita	capita	NOUN
esutjss-259	69	11	income	income	NOUN
esutjss-259	69	12	,	,	PUNCT
esutjss-259	69	13	ratio	ratio	NOUN
esutjss-259	69	14	of	of	ADP
esutjss-259	69	15	internet	internet	NOUN
esutjss-259	69	16	users	user	NOUN
esutjss-259	69	17	,	,	PUNCT
esutjss-259	69	18	age	age	NOUN
esutjss-259	69	19	dependency	dependency	NOUN
esutjss-259	69	20	ratio	ratio	NOUN
esutjss-259	69	21	,	,	PUNCT
esutjss-259	69	22	inflation	inflation	NOUN
esutjss-259	69	23	,	,	PUNCT
esutjss-259	69	24	and	and	CCONJ
esutjss-259	69	25	income	income	NOUN
esutjss-259	69	26	inequality	inequality	NOUN
esutjss-259	69	27	significantly	significantly	ADV
esutjss-259	69	28	influence	influence	VERB
esutjss-259	69	29	the	the	DET
esutjss-259	69	30	level	level	NOUN
esutjss-259	69	31	of	of	ADP
esutjss-259	69	32	financial	financial	ADJ
esutjss-259	69	33	inclusion	inclusion	NOUN
esutjss-259	69	34	in	in	ADP
esutjss-259	69	35	developing	develop	VERB
esutjss-259	69	36	countries	country	NOUN
esutjss-259	69	37	.	.	PUNCT
esutjss-259	70	1	furthermore	furthermore	ADV
esutjss-259	70	2	,	,	PUNCT
esutjss-259	70	3	the	the	DET
esutjss-259	70	4	results	result	NOUN
esutjss-259	70	5	provide	provide	VERB
esutjss-259	70	6	robust	robust	ADJ
esutjss-259	70	7	evidence	evidence	NOUN
esutjss-259	70	8	that	that	SCONJ
esutjss-259	70	9	financial	financial	ADJ
esutjss-259	70	10	inclusion	inclusion	NOUN
esutjss-259	70	11	significantly	significantly	ADV
esutjss-259	70	12	reduces	reduce	VERB
esutjss-259	70	13	poverty	poverty	NOUN
esutjss-259	70	14	rates	rate	NOUN
esutjss-259	70	15	and	and	CCONJ
esutjss-259	70	16	income	income	NOUN
esutjss-259	70	17	inequality	inequality	NOUN
esutjss-259	70	18	in	in	ADP
esutjss-259	70	19	developing	develop	VERB
esutjss-259	70	20	countries	country	NOUN
esutjss-259	70	21	.	.	PUNCT
esutjss-259	71	1	the	the	DET
esutjss-259	71	2	findings	finding	NOUN
esutjss-259	71	3	are	be	AUX
esutjss-259	71	4	in	in	ADP
esutjss-259	71	5	favor	favor	NOUN
esutjss-259	71	6	of	of	ADP
esutjss-259	71	7	further	far	ADV
esutjss-259	71	8	promoting	promote	VERB
esutjss-259	71	9	access	access	NOUN
esutjss-259	71	10	to	to	ADP
esutjss-259	71	11	and	and	CCONJ
esutjss-259	71	12	usage	usage	NOUN
esutjss-259	71	13	of	of	ADP
esutjss-259	71	14	formal	formal	ADJ
esutjss-259	71	15	financial	financial	ADJ
esutjss-259	71	16	services	service	NOUN
esutjss-259	71	17	by	by	ADP
esutjss-259	71	18	marginalized	marginalize	VERB
esutjss-259	71	19	segments	segment	NOUN
esutjss-259	71	20	of	of	ADP
esutjss-259	71	21	the	the	DET
esutjss-259	71	22	population	population	NOUN
esutjss-259	71	23	in	in	ADP
esutjss-259	71	24	order	order	NOUN
esutjss-259	71	25	to	to	PART
esutjss-259	71	26	maximize	maximize	VERB
esutjss-259	71	27	society	society	NOUN
esutjss-259	71	28	’s	’s	PART
esutjss-259	71	29	overall	overall	ADJ
esutjss-259	71	30	welfare	welfare	NOUN
esutjss-259	71	31	.	.	PUNCT
esutjss-259	72	1	wong	wong	PROPN
esutjss-259	72	2	,	,	PUNCT
esutjss-259	72	3	badeeb	badeeb	PROPN
esutjss-259	72	4	&	&	CCONJ
esutjss-259	72	5	philip	philip	PROPN
esutjss-259	72	6	(	(	PUNCT
esutjss-259	72	7	2020	2020	NUM
esutjss-259	72	8	)	)	PUNCT
esutjss-259	72	9	evaluated	evaluate	VERB
esutjss-259	72	10	the	the	DET
esutjss-259	72	11	effect	effect	NOUN
esutjss-259	72	12	of	of	ADP
esutjss-259	72	13	financial	financial	ADJ
esutjss-259	72	14	inclusion	inclusion	NOUN
esutjss-259	72	15	on	on	ADP
esutjss-259	72	16	poverty	poverty	NOUN
esutjss-259	72	17	and	and	CCONJ
esutjss-259	72	18	income	income	NOUN
esutjss-259	72	19	inequality	inequality	NOUN
esutjss-259	72	20	in	in	ADP
esutjss-259	72	21	selected	select	VERB
esutjss-259	72	22	asean	asean	ADJ
esutjss-259	72	23	countries	country	NOUN
esutjss-259	72	24	(	(	PUNCT
esutjss-259	72	25	indonesia	indonesia	PROPN
esutjss-259	72	26	,	,	PUNCT
esutjss-259	72	27	malaysia	malaysia	PROPN
esutjss-259	72	28	,	,	PUNCT
esutjss-259	72	29	philippines	philippine	NOUN
esutjss-259	72	30	,	,	PUNCT
esutjss-259	72	31	thailand	thailand	PROPN
esutjss-259	72	32	,	,	PUNCT
esutjss-259	72	33	and	and	CCONJ
esutjss-259	72	34	vietnam	vietnam	PROPN
esutjss-259	72	35	)	)	PUNCT
esutjss-259	72	36	also	also	ADV
esutjss-259	72	37	,	,	PUNCT
esutjss-259	72	38	the	the	DET
esutjss-259	72	39	study	study	NOUN
esutjss-259	72	40	sought	seek	VERB
esutjss-259	72	41	to	to	PART
esutjss-259	72	42	establish	establish	VERB
esutjss-259	72	43	whether	whether	SCONJ
esutjss-259	72	44	financial	financial	ADJ
esutjss-259	72	45	innovation	innovation	NOUN
esutjss-259	72	46	enhances	enhance	VERB
esutjss-259	72	47	financial	financial	ADJ
esutjss-259	72	48	inclusion	inclusion	NOUN
esutjss-259	72	49	’s	’s	PART
esutjss-259	72	50	impact	impact	NOUN
esutjss-259	72	51	in	in	ADP
esutjss-259	72	52	these	these	DET
esutjss-259	72	53	relationships	relationship	NOUN
esutjss-259	72	54	.	.	PUNCT
esutjss-259	73	1	the	the	DET
esutjss-259	73	2	econometric	econometric	ADJ
esutjss-259	73	3	technique	technique	NOUN
esutjss-259	73	4	employed	employ	VERB
esutjss-259	73	5	was	be	AUX
esutjss-259	73	6	the	the	DET
esutjss-259	73	7	augmented	augment	VERB
esutjss-259	73	8	autoregressive	autoregressive	ADJ
esutjss-259	73	9	distributed	distribute	VERB
esutjss-259	73	10	lag	lag	NOUN
esutjss-259	73	11	technique	technique	NOUN
esutjss-259	73	12	.	.	PUNCT
esutjss-259	74	1	this	this	PRON
esutjss-259	74	2	was	be	AUX
esutjss-259	74	3	used	use	VERB
esutjss-259	74	4	to	to	PART
esutjss-259	74	5	estimate	estimate	VERB
esutjss-259	74	6	cross	cross	VERB
esutjss-259	74	7	sectional	sectional	ADJ
esutjss-259	74	8	data	datum	NOUN
esutjss-259	74	9	from	from	ADP
esutjss-259	74	10	selected	select	VERB
esutjss-259	74	11	countries	country	NOUN
esutjss-259	74	12	and	and	CCONJ
esutjss-259	74	13	comparisons	comparison	NOUN
esutjss-259	74	14	made	make	VERB
esutjss-259	74	15	afterwards	afterwards	ADV
esutjss-259	74	16	.	.	PUNCT
esutjss-259	75	1	evidence	evidence	NOUN
esutjss-259	75	2	from	from	ADP
esutjss-259	75	3	the	the	DET
esutjss-259	75	4	study	study	NOUN
esutjss-259	75	5	indicate	indicate	VERB
esutjss-259	75	6	that	that	SCONJ
esutjss-259	75	7	financial	financial	ADJ
esutjss-259	75	8	inclusion	inclusion	NOUN
esutjss-259	75	9	has	have	VERB
esutjss-259	75	10	a	a	DET
esutjss-259	75	11	significant	significant	ADJ
esutjss-259	75	12	negative	negative	ADJ
esutjss-259	75	13	effect	effect	NOUN
esutjss-259	75	14	on	on	ADP
esutjss-259	75	15	poverty	poverty	NOUN
esutjss-259	75	16	.	.	PUNCT
esutjss-259	76	1	also	also	ADV
esutjss-259	76	2	,	,	PUNCT
esutjss-259	76	3	the	the	DET
esutjss-259	76	4	study	study	NOUN
esutjss-259	76	5	established	establish	VERB
esutjss-259	76	6	that	that	SCONJ
esutjss-259	76	7	when	when	SCONJ
esutjss-259	76	8	financial	financial	ADJ
esutjss-259	76	9	inclusion	inclusion	NOUN
esutjss-259	76	10	interacts	interact	VERB
esutjss-259	76	11	with	with	ADP
esutjss-259	76	12	financial	financial	ADJ
esutjss-259	76	13	innovation	innovation	NOUN
esutjss-259	76	14	,	,	PUNCT
esutjss-259	76	15	financial	financial	ADJ
esutjss-259	76	16	innovation	innovation	NOUN
esutjss-259	76	17	increases	increase	VERB
esutjss-259	76	18	income	income	NOUN
esutjss-259	76	19	inequality	inequality	NOUN
esutjss-259	76	20	.	.	PUNCT
esutjss-259	77	1	huang	huang	PROPN
esutjss-259	77	2	,	,	PUNCT
esutjss-259	77	3	gu	gu	PROPN
esutjss-259	77	4	and	and	CCONJ
esutjss-259	77	5	lin	lin	PROPN
esutjss-259	77	6	(	(	PUNCT
esutjss-259	77	7	2023	2023	NUM
esutjss-259	77	8	)	)	PUNCT
esutjss-259	77	9	examined	examine	VERB
esutjss-259	77	10	the	the	DET
esutjss-259	77	11	impact	impact	NOUN
esutjss-259	77	12	of	of	ADP
esutjss-259	77	13	financial	financial	ADJ
esutjss-259	77	14	inclusion	inclusion	NOUN
esutjss-259	77	15	and	and	CCONJ
esutjss-259	77	16	income	income	NOUN
esutjss-259	77	17	inequality	inequality	NOUN
esutjss-259	77	18	on	on	ADP
esutjss-259	77	19	human	human	ADJ
esutjss-259	77	20	capital	capital	NOUN
esutjss-259	77	21	in	in	ADP
esutjss-259	77	22	sub	sub	ADJ
esutjss-259	77	23	-	-	ADJ
esutjss-259	77	24	saharan	saharan	ADJ
esutjss-259	77	25	african	african	ADJ
esutjss-259	77	26	countries	country	NOUN
esutjss-259	77	27	.	.	PUNCT
esutjss-259	78	1	the	the	DET
esutjss-259	78	2	study	study	NOUN
esutjss-259	78	3	employed	employ	VERB
esutjss-259	78	4	panel	panel	NOUN
esutjss-259	78	5	data	datum	NOUN
esutjss-259	78	6	from	from	ADP
esutjss-259	78	7	36	36	NUM
esutjss-259	78	8	sub	sub	NOUN
esutjss-259	78	9	-saharan	-saharan	NOUN
esutjss-259	78	10	african	african	ADJ
esutjss-259	78	11	countries	country	NOUN
esutjss-259	78	12	ranging	range	VERB
esutjss-259	78	13	from	from	ADP
esutjss-259	78	14	2004	2004	NUM
esutjss-259	78	15	to	to	ADP
esutjss-259	78	16	2019	2019	NUM
esutjss-259	78	17	to	to	PART
esutjss-259	78	18	empirically	empirically	ADV
esutjss-259	78	19	test	test	VERB
esutjss-259	78	20	the	the	DET
esutjss-259	78	21	impact	impact	NOUN
esutjss-259	78	22	of	of	ADP
esutjss-259	78	23	69	69	NUM
esutjss-259	78	24	financial	financial	ADJ
esutjss-259	78	25	inclusion	inclusion	NOUN
esutjss-259	78	26	on	on	ADP
esutjss-259	78	27	human	human	ADJ
esutjss-259	78	28	capital	capital	NOUN
esutjss-259	78	29	development	development	NOUN
esutjss-259	78	30	in	in	ADP
esutjss-259	78	31	the	the	DET
esutjss-259	78	32	selected	select	VERB
esutjss-259	78	33	sub	sub	ADJ
esutjss-259	78	34	-	-	ADJ
esutjss-259	78	35	saharan	saharan	ADJ
esutjss-259	78	36	african	african	ADJ
esutjss-259	78	37	countries	country	NOUN
esutjss-259	78	38	.	.	PUNCT
esutjss-259	79	1	the	the	DET
esutjss-259	79	2	estimation	estimation	NOUN
esutjss-259	79	3	technique	technique	NOUN
esutjss-259	79	4	adopted	adopt	VERB
esutjss-259	79	5	by	by	ADP
esutjss-259	79	6	the	the	DET
esutjss-259	79	7	study	study	NOUN
esutjss-259	79	8	includes	include	VERB
esutjss-259	79	9	both	both	DET
esutjss-259	79	10	panel	panel	NOUN
esutjss-259	79	11	ols	ol	NOUN
esutjss-259	79	12	and	and	CCONJ
esutjss-259	79	13	the	the	DET
esutjss-259	79	14	generalized	generalized	ADJ
esutjss-259	79	15	method	method	NOUN
esutjss-259	79	16	of	of	ADP
esutjss-259	79	17	moment	moment	NOUN
esutjss-259	79	18	(	(	PUNCT
esutjss-259	79	19	gmm	gmm	NOUN
esutjss-259	79	20	)	)	PUNCT
esutjss-259	79	21	technique	technique	NOUN
esutjss-259	79	22	to	to	PART
esutjss-259	79	23	control	control	VERB
esutjss-259	79	24	for	for	ADP
esutjss-259	79	25	endogeneity	endogeneity	NOUN
esutjss-259	79	26	in	in	ADP
esutjss-259	79	27	the	the	DET
esutjss-259	79	28	explanatory	explanatory	ADJ
esutjss-259	79	29	variables	variable	NOUN
esutjss-259	79	30	.	.	PUNCT
esutjss-259	80	1	after	after	ADP
esutjss-259	80	2	controlling	control	VERB
esutjss-259	80	3	for	for	ADP
esutjss-259	80	4	other	other	ADJ
esutjss-259	80	5	economic	economic	ADJ
esutjss-259	80	6	indicators	indicator	NOUN
esutjss-259	80	7	,	,	PUNCT
esutjss-259	80	8	the	the	DET
esutjss-259	80	9	study	study	NOUN
esutjss-259	80	10	found	find	VERB
esutjss-259	80	11	that	that	SCONJ
esutjss-259	80	12	a	a	DET
esutjss-259	80	13	high	high	ADJ
esutjss-259	80	14	level	level	NOUN
esutjss-259	80	15	of	of	ADP
esutjss-259	80	16	financial	financial	ADJ
esutjss-259	80	17	inclusion	inclusion	NOUN
esutjss-259	80	18	and	and	CCONJ
esutjss-259	80	19	a	a	DET
esutjss-259	80	20	reduction	reduction	NOUN
esutjss-259	80	21	in	in	ADP
esutjss-259	80	22	income	income	NOUN
esutjss-259	80	23	inequality	inequality	NOUN
esutjss-259	80	24	improve	improve	VERB
esutjss-259	80	25	human	human	ADJ
esutjss-259	80	26	capital	capital	NOUN
esutjss-259	80	27	development	development	NOUN
esutjss-259	80	28	in	in	ADP
esutjss-259	80	29	the	the	DET
esutjss-259	80	30	countries	country	NOUN
esutjss-259	80	31	under	under	ADP
esutjss-259	80	32	consideration	consideration	NOUN
esutjss-259	80	33	.	.	PUNCT
esutjss-259	81	1	segning	segning	NOUN
esutjss-259	81	2	,	,	PUNCT
esutjss-259	81	3	djiogap	djiogap	NOUN
esutjss-259	81	4	and	and	CCONJ
esutjss-259	81	5	piabuo	piabuo	NOUN
esutjss-259	81	6	,	,	PUNCT
esutjss-259	81	7	(	(	PUNCT
esutjss-259	81	8	2023	2023	NUM
esutjss-259	81	9	)	)	PUNCT
esutjss-259	81	10	examined	examine	VERB
esutjss-259	81	11	the	the	DET
esutjss-259	81	12	effect	effect	NOUN
esutjss-259	81	13	of	of	ADP
esutjss-259	81	14	financial	financial	ADJ
esutjss-259	81	15	inclusion	inclusion	NOUN
esutjss-259	81	16	on	on	ADP
esutjss-259	81	17	income	income	NOUN
esutjss-259	81	18	inequalities	inequality	NOUN
esutjss-259	81	19	in	in	ADP
esutjss-259	81	20	sub	sub	ADJ
esutjss-259	81	21	-	-	ADJ
esutjss-259	81	22	saharan	saharan	ADJ
esutjss-259	81	23	african	african	ADJ
esutjss-259	81	24	countries	country	NOUN
esutjss-259	81	25	,	,	PUNCT
esutjss-259	81	26	taking	take	VERB
esutjss-259	81	27	into	into	ADP
esutjss-259	81	28	account	account	NOUN
esutjss-259	81	29	cultural	cultural	ADJ
esutjss-259	81	30	particularities	particularity	NOUN
esutjss-259	81	31	.	.	PUNCT
esutjss-259	82	1	using	use	VERB
esutjss-259	82	2	data	datum	NOUN
esutjss-259	82	3	from	from	ADP
esutjss-259	82	4	27	27	NUM
esutjss-259	82	5	sub	sub	NOUN
esutjss-259	82	6	saharan	saharan	ADJ
esutjss-259	82	7	african	african	ADJ
esutjss-259	82	8	countries	country	NOUN
esutjss-259	82	9	,	,	PUNCT
esutjss-259	82	10	the	the	DET
esutjss-259	82	11	study	study	NOUN
esutjss-259	82	12	divided	divide	VERB
esutjss-259	82	13	the	the	DET
esutjss-259	82	14	selected	select	VERB
esutjss-259	82	15	countries	country	NOUN
esutjss-259	82	16	into	into	ADP
esutjss-259	82	17	4	4	NUM
esutjss-259	82	18	groups	group	NOUN
esutjss-259	82	19	based	base	VERB
esutjss-259	82	20	on	on	ADP
esutjss-259	82	21	religion	religion	NOUN
esutjss-259	82	22	(	(	PUNCT
esutjss-259	82	23	christianity	christianity	PROPN
esutjss-259	82	24	and	and	CCONJ
esutjss-259	82	25	islam	islam	PROPN
esutjss-259	82	26	)	)	PUNCT
esutjss-259	82	27	and	and	CCONJ
esutjss-259	82	28	official	official	ADJ
esutjss-259	82	29	language	language	NOUN
esutjss-259	82	30	spoken	speak	VERB
esutjss-259	82	31	(	(	PUNCT
esutjss-259	82	32	english	english	PROPN
esutjss-259	82	33	and	and	CCONJ
esutjss-259	82	34	french	french	ADJ
esutjss-259	82	35	)	)	PUNCT
esutjss-259	82	36	.	.	PUNCT
esutjss-259	83	1	employing	employ	VERB
esutjss-259	83	2	a	a	DET
esutjss-259	83	3	panel	panel	NOUN
esutjss-259	83	4	dataset	dataset	VERB
esutjss-259	83	5	that	that	PRON
esutjss-259	83	6	ranged	range	VERB
esutjss-259	83	7	from	from	ADP
esutjss-259	83	8	2002	2002	NUM
esutjss-259	83	9	to	to	ADP
esutjss-259	83	10	2015	2015	NUM
esutjss-259	83	11	,	,	PUNCT
esutjss-259	83	12	the	the	DET
esutjss-259	83	13	study	study	NOUN
esutjss-259	83	14	utilized	utilize	VERB
esutjss-259	83	15	the	the	DET
esutjss-259	83	16	the	the	DET
esutjss-259	83	17	dynamic	dynamic	ADJ
esutjss-259	83	18	panel	panel	NOUN
esutjss-259	83	19	method	method	VERB
esutjss-259	83	20	generalized	generalized	ADJ
esutjss-259	83	21	method	method	NOUN
esutjss-259	83	22	of	of	ADP
esutjss-259	83	23	moments	moment	NOUN
esutjss-259	83	24	(	(	PUNCT
esutjss-259	83	25	gmm	gmm	NOUN
esutjss-259	83	26	)	)	PUNCT
esutjss-259	83	27	to	to	PART
esutjss-259	83	28	analyze	analyze	VERB
esutjss-259	83	29	the	the	DET
esutjss-259	83	30	data	datum	NOUN
esutjss-259	83	31	.	.	PUNCT
esutjss-259	84	1	evidence	evidence	NOUN
esutjss-259	84	2	from	from	ADP
esutjss-259	84	3	the	the	DET
esutjss-259	84	4	study	study	NOUN
esutjss-259	84	5	indicate	indicate	VERB
esutjss-259	84	6	that	that	SCONJ
esutjss-259	84	7	financial	financial	ADJ
esutjss-259	84	8	inclusion	inclusion	NOUN
esutjss-259	84	9	is	be	AUX
esutjss-259	84	10	inversely	inversely	ADV
esutjss-259	84	11	related	relate	VERB
esutjss-259	84	12	to	to	ADP
esutjss-259	84	13	income	income	NOUN
esutjss-259	84	14	inequality	inequality	NOUN
esutjss-259	84	15	in	in	ADP
esutjss-259	84	16	the	the	DET
esutjss-259	84	17	christian	christian	PROPN
esutjss-259	84	18	-	-	PUNCT
esutjss-259	84	19	dominated	dominate	VERB
esutjss-259	84	20	and	and	CCONJ
esutjss-259	84	21	french	french	ADV
esutjss-259	84	22	-	-	PUNCT
esutjss-259	84	23	speaking	speak	VERB
esutjss-259	84	24	countries	country	NOUN
esutjss-259	84	25	.	.	PUNCT
esutjss-259	85	1	however	however	ADV
esutjss-259	85	2	,	,	PUNCT
esutjss-259	85	3	the	the	DET
esutjss-259	85	4	same	same	ADJ
esutjss-259	85	5	result	result	NOUN
esutjss-259	85	6	was	be	AUX
esutjss-259	85	7	not	not	PART
esutjss-259	85	8	found	find	VERB
esutjss-259	85	9	in	in	ADP
esutjss-259	85	10	islamic	islamic	ADJ
esutjss-259	85	11	-	-	PUNCT
esutjss-259	85	12	dominated	dominate	VERB
esutjss-259	85	13	and	and	CCONJ
esutjss-259	85	14	english	english	PROPN
esutjss-259	85	15	-	-	PUNCT
esutjss-259	85	16	speaking	speak	VERB
esutjss-259	85	17	countries	country	NOUN
esutjss-259	85	18	.	.	PUNCT
esutjss-259	86	1	furthermore	furthermore	ADV
esutjss-259	86	2	,	,	PUNCT
esutjss-259	86	3	the	the	DET
esutjss-259	86	4	study	study	NOUN
esutjss-259	86	5	established	establish	VERB
esutjss-259	86	6	the	the	DET
esutjss-259	86	7	presence	presence	NOUN
esutjss-259	86	8	of	of	ADP
esutjss-259	86	9	a	a	DET
esutjss-259	86	10	an	an	DET
esutjss-259	86	11	inverted	inverted	ADJ
esutjss-259	86	12	u	u	ADJ
esutjss-259	86	13	-	-	ADJ
esutjss-259	86	14	shaped	shape	VERB
esutjss-259	86	15	relationship	relationship	NOUN
esutjss-259	86	16	in	in	ADP
esutjss-259	86	17	all	all	DET
esutjss-259	86	18	the	the	DET
esutjss-259	86	19	sub	sub	ADJ
esutjss-259	86	20	-	-	ADJ
esutjss-259	86	21	saharan	saharan	ADJ
esutjss-259	86	22	african	african	ADJ
esutjss-259	86	23	countries	country	NOUN
esutjss-259	86	24	considered	consider	VERB
esutjss-259	86	25	and	and	CCONJ
esutjss-259	86	26	in	in	ADP
esutjss-259	86	27	christian	christian	PROPN
esutjss-259	86	28	-	-	PUNCT
esutjss-259	86	29	dominated	dominate	VERB
esutjss-259	86	30	countries	country	NOUN
esutjss-259	86	31	only	only	ADV
esutjss-259	86	32	.	.	PUNCT
esutjss-259	87	1	okafor	okafor	PROPN
esutjss-259	87	2	,	,	PUNCT
esutjss-259	87	3	olurinola	olurinola	PROPN
esutjss-259	87	4	,	,	PUNCT
esutjss-259	87	5	bowale	bowale	NOUN
esutjss-259	87	6	&	&	CCONJ
esutjss-259	87	7	osabohien	osabohien	PROPN
esutjss-259	87	8	(	(	PUNCT
esutjss-259	87	9	2023	2023	NUM
esutjss-259	87	10	)	)	PUNCT
esutjss-259	87	11	empirically	empirically	ADV
esutjss-259	87	12	examined	examine	VERB
esutjss-259	87	13	how	how	SCONJ
esutjss-259	87	14	financial	financial	ADJ
esutjss-259	87	15	development	development	NOUN
esutjss-259	87	16	affects	affect	VERB
esutjss-259	87	17	income	income	NOUN
esutjss-259	87	18	inequality	inequality	NOUN
esutjss-259	87	19	in	in	ADP
esutjss-259	87	20	africa	africa	PROPN
esutjss-259	87	21	.	.	PUNCT
esutjss-259	88	1	the	the	DET
esutjss-259	88	2	study	study	NOUN
esutjss-259	88	3	considered	consider	VERB
esutjss-259	88	4	key	key	ADJ
esutjss-259	88	5	dimensions	dimension	NOUN
esutjss-259	88	6	of	of	ADP
esutjss-259	88	7	financial	financial	ADJ
esutjss-259	88	8	development	development	NOUN
esutjss-259	88	9	namely	namely	ADV
esutjss-259	88	10	:	:	PUNCT
esutjss-259	88	11	access	access	NOUN
esutjss-259	88	12	,	,	PUNCT
esutjss-259	88	13	depth	depth	NOUN
esutjss-259	88	14	,	,	PUNCT
esutjss-259	88	15	efficiency	efficiency	NOUN
esutjss-259	88	16	,	,	PUNCT
esutjss-259	88	17	and	and	CCONJ
esutjss-259	88	18	stability	stability	NOUN
esutjss-259	88	19	to	to	PART
esutjss-259	88	20	achieve	achieve	VERB
esutjss-259	88	21	the	the	DET
esutjss-259	88	22	study	study	NOUN
esutjss-259	88	23	’s	’s	PART
esutjss-259	88	24	objective	objective	NOUN
esutjss-259	88	25	.	.	PUNCT
esutjss-259	89	1	the	the	DET
esutjss-259	89	2	study	study	NOUN
esutjss-259	89	3	applied	apply	VERB
esutjss-259	89	4	the	the	DET
esutjss-259	89	5	system	system	NOUN
esutjss-259	89	6	generalized	generalize	VERB
esutjss-259	89	7	method	method	NOUN
esutjss-259	89	8	of	of	ADP
esutjss-259	89	9	moments	moment	NOUN
esutjss-259	89	10	(	(	PUNCT
esutjss-259	89	11	sgmm	sgmm	NOUN
esutjss-259	89	12	)	)	PUNCT
esutjss-259	89	13	to	to	PART
esutjss-259	89	14	analyse	analyse	VERB
esutjss-259	89	15	data	datum	NOUN
esutjss-259	89	16	and	and	CCONJ
esutjss-259	89	17	the	the	DET
esutjss-259	89	18	findings	finding	NOUN
esutjss-259	89	19	showed	show	VERB
esutjss-259	89	20	that	that	SCONJ
esutjss-259	89	21	each	each	DET
esutjss-259	89	22	dimension	dimension	NOUN
esutjss-259	89	23	of	of	ADP
esutjss-259	89	24	financial	financial	ADJ
esutjss-259	89	25	development	development	NOUN
esutjss-259	89	26	had	have	VERB
esutjss-259	89	27	a	a	DET
esutjss-259	89	28	varying	vary	VERB
esutjss-259	89	29	impact	impact	NOUN
esutjss-259	89	30	on	on	ADP
esutjss-259	89	31	income	income	NOUN
esutjss-259	89	32	inequality	inequality	NOUN
esutjss-259	89	33	.	.	PUNCT
esutjss-259	90	1	access	access	NOUN
esutjss-259	90	2	,	,	PUNCT
esutjss-259	90	3	stability	stability	NOUN
esutjss-259	90	4	and	and	CCONJ
esutjss-259	90	5	efficiency	efficiency	NOUN
esutjss-259	90	6	components	component	NOUN
esutjss-259	90	7	of	of	ADP
esutjss-259	90	8	financial	financial	ADJ
esutjss-259	90	9	development	development	NOUN
esutjss-259	90	10	reduce	reduce	VERB
esutjss-259	90	11	income	income	NOUN
esutjss-259	90	12	inequality	inequality	NOUN
esutjss-259	90	13	,	,	PUNCT
esutjss-259	90	14	while	while	SCONJ
esutjss-259	90	15	the	the	DET
esutjss-259	90	16	depth	depth	NOUN
esutjss-259	90	17	dimension	dimension	NOUN
esutjss-259	90	18	of	of	ADP
esutjss-259	90	19	financial	financial	ADJ
esutjss-259	90	20	development	development	NOUN
esutjss-259	90	21	exacerbates	exacerbate	VERB
esutjss-259	90	22	income	income	NOUN
esutjss-259	90	23	inequality	inequality	NOUN
esutjss-259	90	24	in	in	ADP
esutjss-259	90	25	africa	africa	PROPN
esutjss-259	90	26	.	.	PUNCT
esutjss-259	91	1	therefore	therefore	ADV
esutjss-259	91	2	,	,	PUNCT
esutjss-259	91	3	the	the	DET
esutjss-259	91	4	study	study	NOUN
esutjss-259	91	5	recommends	recommend	VERB
esutjss-259	91	6	that	that	SCONJ
esutjss-259	91	7	policymakers	policymaker	NOUN
esutjss-259	91	8	should	should	AUX
esutjss-259	91	9	not	not	PART
esutjss-259	91	10	neglect	neglect	VERB
esutjss-259	91	11	other	other	ADJ
esutjss-259	91	12	dimensions	dimension	NOUN
esutjss-259	91	13	of	of	ADP
esutjss-259	91	14	finance	finance	NOUN
esutjss-259	91	15	in	in	ADP
esutjss-259	91	16	facilitating	facilitate	VERB
esutjss-259	91	17	economic	economic	ADJ
esutjss-259	91	18	development	development	NOUN
esutjss-259	91	19	3	3	NUM
esutjss-259	91	20	.	.	PUNCT
esutjss-259	91	21	methodology	methodology	NOUN
esutjss-259	91	22	financial	financial	ADJ
esutjss-259	91	23	inclusion	inclusion	NOUN
esutjss-259	91	24	index	index	NOUN
esutjss-259	91	25	to	to	PART
esutjss-259	91	26	measure	measure	VERB
esutjss-259	91	27	financial	financial	ADJ
esutjss-259	91	28	inclusion	inclusion	NOUN
esutjss-259	91	29	in	in	ADP
esutjss-259	91	30	the	the	DET
esutjss-259	91	31	selected	select	VERB
esutjss-259	91	32	countries	country	NOUN
esutjss-259	91	33	,	,	PUNCT
esutjss-259	91	34	the	the	DET
esutjss-259	91	35	study	study	NOUN
esutjss-259	91	36	will	will	AUX
esutjss-259	91	37	compute	compute	VERB
esutjss-259	91	38	a	a	DET
esutjss-259	91	39	financial	financial	ADJ
esutjss-259	91	40	inclusion	inclusion	NOUN
esutjss-259	91	41	index	index	NOUN
esutjss-259	91	42	(	(	PUNCT
esutjss-259	91	43	fii	fii	PROPN
esutjss-259	91	44	)	)	PUNCT
esutjss-259	91	45	in	in	ADP
esutjss-259	91	46	line	line	NOUN
esutjss-259	91	47	with	with	ADP
esutjss-259	91	48	the	the	DET
esutjss-259	91	49	works	work	NOUN
esutjss-259	91	50	of	of	ADP
esutjss-259	91	51	sarma	sarma	PROPN
esutjss-259	91	52	&	&	CCONJ
esutjss-259	91	53	pais	pais	PROPN
esutjss-259	91	54	,	,	PUNCT
esutjss-259	91	55	2011	2011	NUM
esutjss-259	91	56	;	;	PUNCT
esutjss-259	91	57	sethy	sethy	ADJ
esutjss-259	91	58	,	,	PUNCT
esutjss-259	91	59	2016	2016	NUM
esutjss-259	91	60	and	and	CCONJ
esutjss-259	91	61	segning	segning	NOUN
esutjss-259	91	62	,	,	PUNCT
esutjss-259	91	63	djiogap	djiogap	NOUN
esutjss-259	91	64	,	,	PUNCT
esutjss-259	91	65	piabuo	piabuo	NOUN
esutjss-259	91	66	,	,	PUNCT
esutjss-259	91	67	noupie	noupie	ADJ
esutjss-259	91	68	,	,	PUNCT
esutjss-259	91	69	2023	2023	NUM
esutjss-259	91	70	.	.	PUNCT
esutjss-259	92	1	consequently	consequently	ADV
esutjss-259	92	2	,	,	PUNCT
esutjss-259	92	3	we	we	PRON
esutjss-259	92	4	calculate	calculate	VERB
esutjss-259	92	5	the	the	DET
esutjss-259	92	6	fii	fii	PROPN
esutjss-259	92	7	based	base	VERB
esutjss-259	92	8	on	on	ADP
esutjss-259	92	9	selected	select	VERB
esutjss-259	92	10	dimensions	dimension	NOUN
esutjss-259	92	11	(	(	PUNCT
esutjss-259	92	12	di	di	NOUN
esutjss-259	92	13	)	)	PUNCT
esutjss-259	92	14	of	of	ADP
esutjss-259	92	15	financial	financial	ADJ
esutjss-259	92	16	inclusion	inclusion	NOUN
esutjss-259	92	17	.	.	PUNCT
esutjss-259	93	1	four	four	NUM
esutjss-259	93	2	aspects	aspect	NOUN
esutjss-259	93	3	of	of	ADP
esutjss-259	93	4	financial	financial	ADJ
esutjss-259	93	5	inclusion	inclusion	NOUN
esutjss-259	93	6	will	will	AUX
esutjss-259	93	7	be	be	AUX
esutjss-259	93	8	used	use	VERB
esutjss-259	93	9	:	:	PUNCT
esutjss-259	93	10	banking	banking	NOUN
esutjss-259	93	11	penetration	penetration	NOUN
esutjss-259	93	12	measured	measure	VERB
esutjss-259	93	13	by	by	ADP
esutjss-259	93	14	the	the	DET
esutjss-259	93	15	number	number	NOUN
esutjss-259	93	16	of	of	ADP
esutjss-259	93	17	bank	bank	NOUN
esutjss-259	93	18	accounts	account	NOUN
esutjss-259	93	19	per	per	ADP
esutjss-259	93	20	1000	1000	NUM
esutjss-259	93	21	inhabitants	inhabitant	NOUN
esutjss-259	93	22	,	,	PUNCT
esutjss-259	93	23	use	use	NOUN
esutjss-259	93	24	of	of	ADP
esutjss-259	93	25	financial	financial	ADJ
esutjss-259	93	26	services	service	NOUN
esutjss-259	93	27	measured	measure	VERB
esutjss-259	93	28	by	by	ADP
esutjss-259	93	29	bank	bank	NOUN
esutjss-259	93	30	deposits	deposit	NOUN
esutjss-259	93	31	or	or	CCONJ
esutjss-259	93	32	savings	saving	NOUN
esutjss-259	93	33	,	,	PUNCT
esutjss-259	93	34	availability	availability	NOUN
esutjss-259	93	35	of	of	ADP
esutjss-259	93	36	financial	financial	ADJ
esutjss-259	93	37	services	service	NOUN
esutjss-259	93	38	measured	measure	VERB
esutjss-259	93	39	by	by	ADP
esutjss-259	93	40	the	the	DET
esutjss-259	93	41	number	number	NOUN
esutjss-259	93	42	of	of	ADP
esutjss-259	93	43	branches	branch	NOUN
esutjss-259	93	44	per	per	ADP
esutjss-259	93	45	10,000	10,000	NUM
esutjss-259	93	46	inhabitants	inhabitant	NOUN
esutjss-259	93	47	,	,	PUNCT
esutjss-259	93	48	and	and	CCONJ
esutjss-259	93	49	finally	finally	ADV
esutjss-259	93	50	,	,	PUNCT
esutjss-259	93	51	the	the	DET
esutjss-259	93	52	indicator	indicator	NOUN
esutjss-259	93	53	of	of	ADP
esutjss-259	93	54	banking	banking	NOUN
esutjss-259	93	55	activity	activity	NOUN
esutjss-259	93	56	performance	performance	NOUN
esutjss-259	93	57	,	,	PUNCT
esutjss-259	93	58	credit	credit	NOUN
esutjss-259	93	59	to	to	ADP
esutjss-259	93	60	the	the	DET
esutjss-259	93	61	private	private	ADJ
esutjss-259	93	62	sector	sector	NOUN
esutjss-259	93	63	as	as	ADP
esutjss-259	93	64	a	a	DET
esutjss-259	93	65	percentage	percentage	NOUN
esutjss-259	93	66	of	of	ADP
esutjss-259	93	67	gdp	gdp	NOUN
esutjss-259	93	68	.	.	PUNCT
esutjss-259	94	1	the	the	DET
esutjss-259	94	2	dimension	dimension	NOUN
esutjss-259	94	3	di	di	NOUN
esutjss-259	94	4	is	be	AUX
esutjss-259	94	5	calculated	calculate	VERB
esutjss-259	94	6	as	as	SCONJ
esutjss-259	94	7	follows	follow	VERB
esutjss-259	94	8	𝒅𝒊	𝒅𝒊	NOUN
esutjss-259	94	9	=	=	SYM
esutjss-259	94	10	𝑨𝒊−𝒎𝒊	𝑨𝒊−𝒎𝒊	PROPN
esutjss-259	94	11	𝑴𝒊−𝒎𝒊	𝑴𝒊−𝒎𝒊	PROPN
esutjss-259	94	12	…	…	PUNCT
esutjss-259	94	13	…	…	PUNCT
esutjss-259	94	14	…	…	PUNCT
esutjss-259	94	15	…	…	PUNCT
esutjss-259	94	16	…	…	PUNCT
esutjss-259	94	17	…	…	PUNCT
esutjss-259	94	18	…	…	PUNCT
esutjss-259	94	19	…	…	PUNCT
esutjss-259	94	20	…	…	PUNCT
esutjss-259	94	21	…	…	PUNCT
esutjss-259	94	22	…	…	PUNCT
esutjss-259	94	23	…	…	PUNCT
esutjss-259	94	24	…	…	PUNCT
esutjss-259	94	25	…	…	PUNCT
esutjss-259	94	26	…	…	PUNCT
esutjss-259	94	27	…	…	PUNCT
esutjss-259	94	28	…	…	PUNCT
esutjss-259	94	29	…	…	PUNCT
esutjss-259	94	30	…	…	PUNCT
esutjss-259	94	31	…	…	PUNCT
esutjss-259	94	32	…	…	PUNCT
esutjss-259	94	33	…	…	PUNCT
esutjss-259	94	34	(	(	PUNCT
esutjss-259	94	35	1	1	NUM
esutjss-259	94	36	)	)	PUNCT
esutjss-259	94	37	𝑿𝟏	𝑿𝟏	NOUN
esutjss-259	95	1	=	=	SYM
esutjss-259	95	2	√𝒅𝟏	√𝒅𝟏	PROPN
esutjss-259	95	3	𝟐+𝒅𝟐	𝟐+𝒅𝟐	NOUN
esutjss-259	95	4	𝟐+𝒅𝟑	𝟐+𝒅𝟑	VERB
esutjss-259	95	5	𝟐+⋯+𝒅𝒏	𝟐+⋯+𝒅𝒏	PROPN
esutjss-259	95	6	𝟐	𝟐	PROPN
esutjss-259	95	7	√𝒘𝟏	√𝒘𝟏	PROPN
esutjss-259	95	8	𝟐+𝒘𝟐	𝟐+𝒘𝟐	VERB
esutjss-259	95	9	𝟐+𝒘𝟑	𝟐+𝒘𝟑	PROPN
esutjss-259	95	10	𝟐+⋯.+𝒘𝒏	𝟐+⋯.+𝒘𝒏	PROPN
esutjss-259	95	11	𝟐	𝟐	NUM
esutjss-259	95	12	…	…	SYM
esutjss-259	95	13	…	…	PUNCT
esutjss-259	95	14	…	…	PUNCT
esutjss-259	95	15	…	…	PUNCT
esutjss-259	95	16	…	…	PUNCT
esutjss-259	95	17	…	…	PUNCT
esutjss-259	95	18	…	…	PUNCT
esutjss-259	95	19	…	…	PUNCT
esutjss-259	95	20	…	…	PUNCT
esutjss-259	95	21	…	…	PUNCT
esutjss-259	95	22	…	…	PUNCT
esutjss-259	95	23	…	…	PUNCT
esutjss-259	95	24	…	…	PUNCT
esutjss-259	95	25	…	…	PUNCT
esutjss-259	95	26	…	…	PUNCT
esutjss-259	95	27	…	…	PUNCT
esutjss-259	95	28	…	…	PUNCT
esutjss-259	95	29	.(2	.(2	NUM
esutjss-259	95	30	)	)	PUNCT
esutjss-259	95	31	𝑿𝟐	𝑿𝟐	PUNCT
esutjss-259	96	1	=	=	SYM
esutjss-259	96	2	√(𝒘𝟏−𝒅𝟏)𝟐+(𝒘𝟐−𝒅𝟐)𝟐+⋯+(𝒘𝒏−𝒅𝒏)𝟐	√(𝒘𝟏−𝒅𝟏)𝟐+(𝒘𝟐−𝒅𝟐)𝟐+⋯+(𝒘𝒏−𝒅𝒏)𝟐	PROPN
esutjss-259	96	3	√𝒘𝟏	√𝒘𝟏	PROPN
esutjss-259	96	4	𝟐+𝒘𝟐	𝟐+𝒘𝟐	VERB
esutjss-259	96	5	𝟐+𝒘𝟑	𝟐+𝒘𝟑	ADP
esutjss-259	96	6	𝟐+⋯.+𝒘𝒏	𝟐+⋯.+𝒘𝒏	PROPN
esutjss-259	96	7	𝟐	𝟐	NUM
esutjss-259	96	8	…	…	SYM
esutjss-259	96	9	…	…	PUNCT
esutjss-259	96	10	…	…	PUNCT
esutjss-259	96	11	…	…	PUNCT
esutjss-259	96	12	…	…	PUNCT
esutjss-259	96	13	…	…	PUNCT
esutjss-259	96	14	…	…	PUNCT
esutjss-259	96	15	…	…	SYM
esutjss-259	96	16	.(3	.(3	SYM
esutjss-259	96	17	)	)	PUNCT
esutjss-259	96	18	𝑰	𝑰	PROPN
esutjss-259	96	19	=	=	SYM
esutjss-259	96	20	𝟏	𝟏	PROPN
esutjss-259	96	21	𝟐	𝟐	NUM
esutjss-259	96	22	(	(	PUNCT
esutjss-259	96	23	𝑿𝟏	𝑿𝟏	PROPN
esutjss-259	96	24	+	+	CCONJ
esutjss-259	96	25	𝑿𝟐)	𝑿𝟐)	PROPN
esutjss-259	96	26	…	…	X
esutjss-259	96	27	…	…	PUNCT
esutjss-259	96	28	…	…	PUNCT
esutjss-259	96	29	…	…	PUNCT
esutjss-259	96	30	…	…	PUNCT
esutjss-259	96	31	…	…	PUNCT
esutjss-259	96	32	…	…	PUNCT
esutjss-259	96	33	…	…	PUNCT
esutjss-259	96	34	…	…	PUNCT
esutjss-259	96	35	…	…	PUNCT
esutjss-259	96	36	…	…	PUNCT
esutjss-259	96	37	…	…	PUNCT
esutjss-259	96	38	…	…	PUNCT
esutjss-259	96	39	…	…	PUNCT
esutjss-259	96	40	…	…	PUNCT
esutjss-259	96	41	…	…	SYM
esutjss-259	96	42	(4	(4	NOUN
esutjss-259	96	43	)	)	PUNCT
esutjss-259	96	44	70	70	NUM
esutjss-259	96	45	where	where	SCONJ
esutjss-259	96	46	:	:	PUNCT
esutjss-259	96	47	𝑨𝒊=	𝑨𝒊=	PROPN
esutjss-259	96	48	is	be	AUX
esutjss-259	96	49	the	the	DET
esutjss-259	96	50	current	current	ADJ
esutjss-259	96	51	value	value	NOUN
esutjss-259	96	52	of	of	ADP
esutjss-259	96	53	dimension	dimension	NOUN
esutjss-259	96	54	i	i	PRON
esutjss-259	96	55	𝒘𝒊=	𝒘𝒊=	VERB
esutjss-259	96	56	the	the	DET
esutjss-259	96	57	weight	weight	NOUN
esutjss-259	96	58	given	give	VERB
esutjss-259	96	59	to	to	PART
esutjss-259	96	60	dimension	dimension	VERB
esutjss-259	96	61	i	i	PRON
esutjss-259	96	62	between	between	ADP
esutjss-259	96	63	0	0	NUM
esutjss-259	96	64	and	and	CCONJ
esutjss-259	96	65	1	1	NUM
esutjss-259	96	66	𝑴𝒊=the	𝑴𝒊=the	DET
esutjss-259	96	67	maximum	maximum	ADJ
esutjss-259	96	68	value	value	NOUN
esutjss-259	96	69	of	of	ADP
esutjss-259	96	70	dimension	dimension	NOUN
esutjss-259	96	71	i	i	PRON
esutjss-259	96	72	𝒎𝒊=	𝒎𝒊=	VERB
esutjss-259	96	73	minimum	minimum	NOUN
esutjss-259	96	74	value	value	NOUN
esutjss-259	96	75	of	of	ADP
esutjss-259	96	76	dimension	dimension	NOUN
esutjss-259	97	1	i	i	INTJ
esutjss-259	97	2	𝒅𝒊	𝒅𝒊	NOUN
esutjss-259	97	3	=	=	SYM
esutjss-259	97	4	dimension	dimension	NOUN
esutjss-259	97	5	of	of	ADP
esutjss-259	97	6	financial	financial	ADJ
esutjss-259	97	7	inclusion	inclusion	NOUN
esutjss-259	97	8	of	of	ADP
esutjss-259	97	9	i.	i.	NOUN
esutjss-259	97	10	depending	depend	VERB
esutjss-259	97	11	on	on	ADP
esutjss-259	97	12	the	the	DET
esutjss-259	97	13	value	value	NOUN
esutjss-259	97	14	of	of	ADP
esutjss-259	97	15	fii	fii	PROPN
esutjss-259	97	16	,	,	PUNCT
esutjss-259	97	17	the	the	DET
esutjss-259	97	18	study	study	NOUN
esutjss-259	97	19	period	period	NOUN
esutjss-259	97	20	will	will	AUX
esutjss-259	97	21	be	be	AUX
esutjss-259	97	22	considered	consider	VERB
esutjss-259	97	23	as	as	ADP
esutjss-259	97	24	:	:	PUNCT
esutjss-259	97	25	weakly	weakly	ADV
esutjss-259	97	26	included	include	VERB
esutjss-259	97	27	if	if	SCONJ
esutjss-259	97	28	0	0	NUM
esutjss-259	97	29	≤	≤	NUM
esutjss-259	98	1	fii	fii	PROPN
esutjss-259	98	2	≤	≤	NUM
esutjss-259	98	3	0.35	0.35	NUM
esutjss-259	98	4	,	,	PUNCT
esutjss-259	98	5	moderately	moderately	ADV
esutjss-259	98	6	included	include	VERB
esutjss-259	98	7	if	if	SCONJ
esutjss-259	98	8	0.35≤	0.35≤	PROPN
esutjss-259	98	9	fii	fii	PROPN
esutjss-259	98	10	≤	≤	NUM
esutjss-259	98	11	0.60	0.60	NUM
esutjss-259	98	12	and	and	CCONJ
esutjss-259	98	13	strongly	strongly	ADV
esutjss-259	98	14	included	include	VERB
esutjss-259	98	15	if	if	SCONJ
esutjss-259	98	16	0.6≤	0.6≤	PROPN
esutjss-259	98	17	fii	fii	PROPN
esutjss-259	98	18	≤	≤	ADJ
esutjss-259	98	19	1	1	NUM
esutjss-259	98	20	model	model	NOUN
esutjss-259	98	21	specification	specification	NOUN
esutjss-259	98	22	the	the	DET
esutjss-259	98	23	study	study	NOUN
esutjss-259	98	24	will	will	AUX
esutjss-259	98	25	employ	employ	VERB
esutjss-259	98	26	panel	panel	NOUN
esutjss-259	98	27	data	datum	NOUN
esutjss-259	98	28	estimating	estimate	VERB
esutjss-259	98	29	methods	method	NOUN
esutjss-259	98	30	to	to	PART
esutjss-259	98	31	capture	capture	VERB
esutjss-259	98	32	the	the	DET
esutjss-259	98	33	impact	impact	NOUN
esutjss-259	98	34	of	of	ADP
esutjss-259	98	35	financial	financial	ADJ
esutjss-259	98	36	inclusion	inclusion	NOUN
esutjss-259	98	37	on	on	ADP
esutjss-259	98	38	inequality	inequality	NOUN
esutjss-259	98	39	and	and	CCONJ
esutjss-259	98	40	poverty	poverty	NOUN
esutjss-259	98	41	in	in	ADP
esutjss-259	98	42	west	west	PROPN
esutjss-259	98	43	africa	africa	PROPN
esutjss-259	98	44	.	.	PUNCT
esutjss-259	99	1	in	in	ADP
esutjss-259	99	2	particular	particular	ADJ
esutjss-259	99	3	,	,	PUNCT
esutjss-259	99	4	the	the	DET
esutjss-259	99	5	study	study	NOUN
esutjss-259	99	6	will	will	AUX
esutjss-259	99	7	employ	employ	VERB
esutjss-259	99	8	panel	panel	NOUN
esutjss-259	99	9	ols	ol	NOUN
esutjss-259	99	10	,	,	PUNCT
esutjss-259	99	11	panel	panel	NOUN
esutjss-259	99	12	fixed	fix	VERB
esutjss-259	99	13	effect	effect	NOUN
esutjss-259	99	14	and	and	CCONJ
esutjss-259	99	15	panel	panel	NOUN
esutjss-259	99	16	random	random	ADJ
esutjss-259	99	17	effect	effect	NOUN
esutjss-259	99	18	as	as	ADV
esutjss-259	99	19	well	well	ADV
esutjss-259	99	20	the	the	DET
esutjss-259	99	21	generalized	generalized	ADJ
esutjss-259	99	22	method	method	NOUN
esutjss-259	99	23	of	of	ADP
esutjss-259	99	24	moment	moment	NOUN
esutjss-259	99	25	to	to	PART
esutjss-259	99	26	estimate	estimate	VERB
esutjss-259	99	27	the	the	DET
esutjss-259	99	28	collected	collect	VERB
esutjss-259	99	29	data	datum	NOUN
esutjss-259	99	30	.	.	PUNCT
esutjss-259	100	1	to	to	PART
esutjss-259	100	2	capture	capture	VERB
esutjss-259	100	3	objective	objective	ADJ
esutjss-259	100	4	one	one	NOUN
esutjss-259	100	5	which	which	PRON
esutjss-259	100	6	is	be	AUX
esutjss-259	100	7	to	to	PART
esutjss-259	100	8	determine	determine	VERB
esutjss-259	100	9	the	the	DET
esutjss-259	100	10	impact	impact	NOUN
esutjss-259	100	11	of	of	ADP
esutjss-259	100	12	financial	financial	ADJ
esutjss-259	100	13	inclusion	inclusion	NOUN
esutjss-259	100	14	on	on	ADP
esutjss-259	100	15	inequality	inequality	NOUN
esutjss-259	100	16	,	,	PUNCT
esutjss-259	100	17	the	the	DET
esutjss-259	100	18	following	follow	VERB
esutjss-259	100	19	modification	modification	NOUN
esutjss-259	100	20	of	of	ADP
esutjss-259	100	21	the	the	DET
esutjss-259	100	22	model	model	NOUN
esutjss-259	100	23	of	of	ADP
esutjss-259	100	24	segning	segning	NOUN
esutjss-259	100	25	,	,	PUNCT
esutjss-259	100	26	djiogap	djiogap	NOUN
esutjss-259	100	27	,	,	PUNCT
esutjss-259	100	28	piabuo	piabuo	NOUN
esutjss-259	100	29	and	and	CCONJ
esutjss-259	100	30	noupie	noupie	ADJ
esutjss-259	100	31	,	,	PUNCT
esutjss-259	100	32	(	(	PUNCT
esutjss-259	100	33	2023	2023	NUM
esutjss-259	100	34	)	)	PUNCT
esutjss-259	100	35	was	be	AUX
esutjss-259	100	36	specified	specify	VERB
esutjss-259	100	37	.	.	PUNCT
esutjss-259	101	1	𝑮𝒊𝒏𝒊𝒊𝒕=	𝑮𝒊𝒏𝒊𝒊𝒕=	NOUN
esutjss-259	101	2	𝜷𝒐	𝜷𝒐	X
esutjss-259	102	1	+	+	CCONJ
esutjss-259	102	2	𝜷𝟏𝑭𝑰𝑰𝒊𝒕+𝜷𝟐𝑮𝒅𝒑𝒑𝒄𝒊𝒕	𝜷𝟏𝑭𝑰𝑰𝒊𝒕+𝜷𝟐𝑮𝒅𝒑𝒑𝒄𝒊𝒕	X
esutjss-259	103	1	+	+	CCONJ
esutjss-259	103	2	𝜷𝟑𝑻𝑶𝑷𝒊𝒕+𝜷𝟒𝑰𝒏𝒇𝒊𝒕	𝜷𝟑𝑻𝑶𝑷𝒊𝒕+𝜷𝟒𝑰𝒏𝒇𝒊𝒕	NOUN
esutjss-259	104	1	+	+	CCONJ
esutjss-259	104	2	𝜷𝟓𝑮𝒆𝒙𝒑𝒈𝒅𝒑𝒊𝒕	𝜷𝟓𝑮𝒆𝒙𝒑𝒈𝒅𝒑𝒊𝒕	ADJ
esutjss-259	104	3	+	+	CCONJ
esutjss-259	104	4	𝜷𝟔𝒎𝒆𝒂𝒏𝒔𝒄𝒉𝒊𝒕	𝜷𝟔𝒎𝒆𝒂𝒏𝒔𝒄𝒉𝒊𝒕	NOUN
esutjss-259	104	5	+	+	CCONJ
esutjss-259	104	6	𝜷𝟕𝒈𝒇𝒄𝒇𝒈𝒅𝒑𝒊𝒕+𝜷𝟖𝒗𝒐𝒊_𝒂𝒄𝒄𝒕𝒊𝒕	𝜷𝟕𝒈𝒇𝒄𝒇𝒈𝒅𝒑𝒊𝒕+𝜷𝟖𝒗𝒐𝒊_𝒂𝒄𝒄𝒕𝒊𝒕	NUM
esutjss-259	104	7	+	+	NUM
esutjss-259	104	8	𝜷𝟗𝑫𝒆𝒑_𝒓𝒂𝒕𝒊𝒐𝒊𝒕	𝜷𝟗𝑫𝒆𝒑_𝒓𝒂𝒕𝒊𝒐𝒊𝒕	NOUN
esutjss-259	104	9	+	+	CCONJ
esutjss-259	104	10	µ𝒊𝒕	µ𝒊𝒕	ADJ
esutjss-259	104	11	…	…	PUNCT
esutjss-259	104	12	(5	(5	SYM
esutjss-259	104	13	)	)	PUNCT
esutjss-259	104	14	model	model	NOUN
esutjss-259	104	15	description	description	NOUN
esutjss-259	104	16	and	and	CCONJ
esutjss-259	104	17	source	source	VERB
esutjss-259	104	18	variable	variable	ADJ
esutjss-259	104	19	description	description	NOUN
esutjss-259	104	20	source	source	NOUN
esutjss-259	104	21	gini	gini	PROPN
esutjss-259	104	22	gini	gini	PROPN
esutjss-259	104	23	coefficient	coefficient	PROPN
esutjss-259	104	24	index	index	NOUN
esutjss-259	104	25	(	(	PUNCT
esutjss-259	104	26	measure	measure	NOUN
esutjss-259	104	27	of	of	ADP
esutjss-259	104	28	inequality	inequality	NOUN
esutjss-259	104	29	)	)	PUNCT
esutjss-259	104	30	undesa	undesa	PROPN
esutjss-259	104	31	fii	fii	PROPN
esutjss-259	104	32	financial	financial	PROPN
esutjss-259	104	33	inclusion	inclusion	PROPN
esutjss-259	104	34	index	index	NOUN
esutjss-259	104	35	(	(	PUNCT
esutjss-259	104	36	authors	author	NOUN
esutjss-259	104	37	computation	computation	VERB
esutjss-259	104	38	using	use	VERB
esutjss-259	104	39	data	datum	NOUN
esutjss-259	104	40	from	from	ADP
esutjss-259	104	41	global	global	ADJ
esutjss-259	104	42	financial	financial	ADJ
esutjss-259	104	43	development	development	PROPN
esutjss-259	104	44	database	database	PROPN
esutjss-259	104	45	)	)	PUNCT
esutjss-259	104	46	world	world	PROPN
esutjss-259	104	47	bank	bank	PROPN
esutjss-259	104	48	global	global	PROPN
esutjss-259	104	49	financial	financial	PROPN
esutjss-259	104	50	development	development	PROPN
esutjss-259	104	51	database	database	PROPN
esutjss-259	104	52	gdppc	gdppc	PROPN
esutjss-259	104	53	gross	gross	ADJ
esutjss-259	104	54	domestic	domestic	ADJ
esutjss-259	104	55	product	product	NOUN
esutjss-259	104	56	per	per	ADP
esutjss-259	104	57	capita	capita	X
esutjss-259	104	58	wdi	wdi	NOUN
esutjss-259	104	59	gexpgdp	gexpgdp	NOUN
esutjss-259	104	60	government	government	NOUN
esutjss-259	104	61	expenditure	expenditure	NOUN
esutjss-259	104	62	as	as	ADP
esutjss-259	104	63	a	a	DET
esutjss-259	104	64	percentage	percentage	NOUN
esutjss-259	104	65	of	of	ADP
esutjss-259	104	66	gdp	gdp	NOUN
esutjss-259	104	67	wdi	wdi	PROPN
esutjss-259	104	68	inflation	inflation	NOUN
esutjss-259	104	69	inflation	inflation	NOUN
esutjss-259	104	70	rate	rate	NOUN
esutjss-259	104	71	wdi	wdi	PROPN
esutjss-259	104	72	gfcfgdp	gfcfgdp	PROPN
esutjss-259	104	73	gross	gross	ADJ
esutjss-259	104	74	fixed	fix	VERB
esutjss-259	104	75	capital	capital	NOUN
esutjss-259	104	76	formation	formation	NOUN
esutjss-259	104	77	as	as	ADP
esutjss-259	104	78	percentage	percentage	NOUN
esutjss-259	104	79	of	of	ADP
esutjss-259	104	80	gdp	gdp	NOUN
esutjss-259	104	81	wdi	wdi	PROPN
esutjss-259	104	82	meansch	meansch	PROPN
esutjss-259	104	83	average	average	ADJ
esutjss-259	104	84	years	year	NOUN
esutjss-259	104	85	of	of	ADP
esutjss-259	104	86	schooling	schooling	NOUN
esutjss-259	104	87	undesa	undesa	PROPN
esutjss-259	104	88	voi_acct	voi_acct	NOUN
esutjss-259	104	89	voice	voice	NOUN
esutjss-259	104	90	and	and	CCONJ
esutjss-259	104	91	accountability	accountability	NOUN
esutjss-259	104	92	undesa	undesa	PROPN
esutjss-259	104	93	depratio	depratio	NOUN
esutjss-259	104	94	population	population	NOUN
esutjss-259	104	95	dependency	dependency	PROPN
esutjss-259	104	96	ratio	ratio	PROPN
esutjss-259	104	97	undesa	undesa	PROPN
esutjss-259	104	98	top	top	PROPN
esutjss-259	104	99	trade	trade	NOUN
esutjss-259	104	100	as	as	ADP
esutjss-259	104	101	a	a	DET
esutjss-259	104	102	percentage	percentage	NOUN
esutjss-259	104	103	of	of	ADP
esutjss-259	104	104	gdp	gdp	NOUN
esutjss-259	104	105	wdi	wdi	PROPN
esutjss-259	104	106	where	where	SCONJ
esutjss-259	104	107	gini	gini	PROPN
esutjss-259	104	108	=	=	PROPN
esutjss-259	104	109	gini	gini	PROPN
esutjss-259	104	110	coefficient	coefficient	NOUN
esutjss-259	104	111	,	,	PUNCT
esutjss-259	104	112	gdppc	gdppc	NOUN
esutjss-259	104	113	=	=	PUNCT
esutjss-259	104	114	gross	gross	ADJ
esutjss-259	104	115	domestic	domestic	ADJ
esutjss-259	104	116	product	product	NOUN
esutjss-259	104	117	per	per	ADP
esutjss-259	104	118	capita	capita	NOUN
esutjss-259	104	119	,	,	PUNCT
esutjss-259	104	120	fii	fii	PROPN
esutjss-259	104	121	=	=	SYM
esutjss-259	104	122	financial	financial	ADJ
esutjss-259	104	123	inclusion	inclusion	NOUN
esutjss-259	104	124	index	index	NOUN
esutjss-259	104	125	,	,	PUNCT
esutjss-259	104	126	gov_exp	gov_exp	NOUN
esutjss-259	104	127	=	=	NOUN
esutjss-259	104	128	government	government	NOUN
esutjss-259	104	129	expenditure	expenditure	NOUN
esutjss-259	104	130	,	,	PUNCT
esutjss-259	104	131	sse	sse	NOUN
esutjss-259	104	132	=	=	ADJ
esutjss-259	104	133	secondary	secondary	ADJ
esutjss-259	104	134	school	school	NOUN
esutjss-259	104	135	enrollment	enrollment	NOUN
esutjss-259	104	136	,	,	PUNCT
esutjss-259	104	137	inf	inf	NOUN
esutjss-259	104	138	=	=	NOUN
esutjss-259	104	139	inflation	inflation	NOUN
esutjss-259	104	140	,	,	PUNCT
esutjss-259	104	141	gfcf	gfcf	NOUN
esutjss-259	104	142	=	=	PUNCT
esutjss-259	104	143	gross	gross	ADJ
esutjss-259	104	144	fixed	fix	VERB
esutjss-259	104	145	capita	capita	NOUN
esutjss-259	104	146	formation	formation	NOUN
esutjss-259	104	147	,	,	PUNCT
esutjss-259	104	148	top	top	ADJ
esutjss-259	104	149	=	=	NUM
esutjss-259	104	150	trade	trade	NOUN
esutjss-259	104	151	openness	openness	NOUN
esutjss-259	104	152	and	and	CCONJ
esutjss-259	104	153	i.t	i.t	PROPN
esutjss-259	104	154	stands	stand	VERB
esutjss-259	104	155	for	for	ADP
esutjss-259	104	156	country	country	NOUN
esutjss-259	104	157	i	i	PRON
esutjss-259	104	158	at	at	ADP
esutjss-259	104	159	time	time	NOUN
esutjss-259	104	160	t.	t.	NOUN
esutjss-259	104	161	scope	scope	NOUN
esutjss-259	104	162	of	of	ADP
esutjss-259	104	163	the	the	DET
esutjss-259	104	164	study	study	NOUN
esutjss-259	104	165	this	this	DET
esutjss-259	104	166	study	study	NOUN
esutjss-259	104	167	will	will	AUX
esutjss-259	104	168	focus	focus	VERB
esutjss-259	104	169	on	on	ADP
esutjss-259	104	170	the	the	DET
esutjss-259	104	171	impact	impact	NOUN
esutjss-259	104	172	of	of	ADP
esutjss-259	104	173	financial	financial	ADJ
esutjss-259	104	174	inclusion	inclusion	NOUN
esutjss-259	104	175	on	on	ADP
esutjss-259	104	176	inequality	inequality	NOUN
esutjss-259	104	177	in	in	ADP
esutjss-259	104	178	west	west	PROPN
esutjss-259	104	179	africa	africa	PROPN
esutjss-259	104	180	.	.	PUNCT
esutjss-259	105	1	the	the	DET
esutjss-259	105	2	study	study	NOUN
esutjss-259	105	3	will	will	AUX
esutjss-259	105	4	cover	cover	VERB
esutjss-259	105	5	the	the	DET
esutjss-259	105	6	period	period	NOUN
esutjss-259	105	7	2004	2004	NUM
esutjss-259	105	8	to	to	ADP
esutjss-259	105	9	2019	2019	NUM
esutjss-259	105	10	.	.	PUNCT
esutjss-259	106	1	the	the	DET
esutjss-259	106	2	years	year	NOUN
esutjss-259	106	3	of	of	ADP
esutjss-259	106	4	study	study	NOUN
esutjss-259	106	5	were	be	AUX
esutjss-259	106	6	selected	select	VERB
esutjss-259	106	7	based	base	VERB
esutjss-259	106	8	on	on	ADP
esutjss-259	106	9	the	the	DET
esutjss-259	106	10	time	time	NOUN
esutjss-259	106	11	when	when	SCONJ
esutjss-259	106	12	the	the	DET
esutjss-259	106	13	majority	majority	NOUN
esutjss-259	106	14	of	of	ADP
esutjss-259	106	15	the	the	DET
esutjss-259	106	16	countries	country	NOUN
esutjss-259	106	17	have	have	VERB
esutjss-259	106	18	data	datum	NOUN
esutjss-259	106	19	available	available	ADJ
esutjss-259	106	20	for	for	ADP
esutjss-259	106	21	financial	financial	ADJ
esutjss-259	106	22	inclusion	inclusion	NOUN
esutjss-259	106	23	,	,	PUNCT
esutjss-259	106	24	inequality	inequality	NOUN
esutjss-259	106	25	and	and	CCONJ
esutjss-259	106	26	human	human	PROPN
esutjss-259	106	27	development	development	PROPN
esutjss-259	106	28	index	index	NOUN
esutjss-259	106	29	.	.	PUNCT
esutjss-259	107	1	the	the	DET
esutjss-259	107	2	countries	country	NOUN
esutjss-259	107	3	selected	select	VERB
esutjss-259	107	4	are	be	AUX
esutjss-259	107	5	,	,	PUNCT
esutjss-259	107	6	benin	benin	PROPN
esutjss-259	107	7	,	,	PUNCT
esutjss-259	107	8	burkina	burkina	PROPN
esutjss-259	107	9	faso	faso	PROPN
esutjss-259	107	10	,	,	PUNCT
esutjss-259	107	11	cape	cape	NOUN
esutjss-259	107	12	verde	verde	NOUN
esutjss-259	107	13	,	,	PUNCT
esutjss-259	107	14	côte	côte	PROPN
esutjss-259	107	15	d'ivoire	d'ivoire	PROPN
esutjss-259	107	16	,	,	PUNCT
esutjss-259	107	17	gambia	gambia	PROPN
esutjss-259	107	18	,	,	PUNCT
esutjss-259	107	19	ghana	ghana	PROPN
esutjss-259	107	20	,	,	PUNCT
esutjss-259	107	21	guinea	guinea	NOUN
esutjss-259	107	22	,	,	PUNCT
esutjss-259	107	23	guinea	guinea	NOUN
esutjss-259	107	24	-	-	PUNCT
esutjss-259	107	25	bissau	bissau	NOUN
esutjss-259	107	26	,	,	PUNCT
esutjss-259	107	27	liberia	liberia	PROPN
esutjss-259	107	28	,	,	PUNCT
esutjss-259	107	29	mali	mali	VERB
esutjss-259	107	30	,	,	PUNCT
esutjss-259	107	31	mauritania	mauritania	NOUN
esutjss-259	107	32	,	,	PUNCT
esutjss-259	107	33	niger	niger	NOUN
esutjss-259	107	34	,	,	PUNCT
esutjss-259	107	35	nigeria	nigeria	PROPN
esutjss-259	107	36	,	,	PUNCT
esutjss-259	107	37	senegal	senegal	PROPN
esutjss-259	107	38	,	,	PUNCT
esutjss-259	107	39	sierra	sierra	PROPN
esutjss-259	107	40	leone	leone	PROPN
esutjss-259	107	41	,	,	PUNCT
esutjss-259	107	42	togo	togo	PROPN
esutjss-259	107	43	.	.	PUNCT
esutjss-259	108	1	the	the	DET
esutjss-259	108	2	variables	variable	NOUN
esutjss-259	108	3	of	of	ADP
esutjss-259	108	4	interest	interest	NOUN
esutjss-259	108	5	in	in	ADP
esutjss-259	108	6	this	this	DET
esutjss-259	108	7	study	study	NOUN
esutjss-259	108	8	are	be	AUX
esutjss-259	108	9	an	an	DET
esutjss-259	108	10	financial	financial	ADJ
esutjss-259	108	11	inclusion	inclusion	NOUN
esutjss-259	108	12	index	index	NOUN
esutjss-259	108	13	(	(	PUNCT
esutjss-259	108	14	fii	fii	PROPN
esutjss-259	108	15	)	)	PUNCT
esutjss-259	108	16	,	,	PUNCT
esutjss-259	108	17	gini	gini	PROPN
esutjss-259	108	18	coefficient	coefficient	NOUN
esutjss-259	108	19	(	(	PUNCT
esutjss-259	108	20	measure	measure	NOUN
esutjss-259	108	21	of	of	ADP
esutjss-259	108	22	inequality	inequality	NOUN
esutjss-259	108	23	)	)	PUNCT
esutjss-259	108	24	and	and	CCONJ
esutjss-259	108	25	human	human	PROPN
esutjss-259	108	26	development	development	NOUN
esutjss-259	108	27	index	index	NOUN
esutjss-259	108	28	(	(	PUNCT
esutjss-259	108	29	hdi	hdi	PROPN
esutjss-259	108	30	)	)	PUNCT
esutjss-259	108	31	.	.	PUNCT
esutjss-259	109	1	the	the	DET
esutjss-259	109	2	data	datum	NOUN
esutjss-259	109	3	will	will	AUX
esutjss-259	109	4	be	be	AUX
esutjss-259	109	5	obtained	obtain	VERB
esutjss-259	109	6	from	from	ADP
esutjss-259	109	7	the	the	DET
esutjss-259	109	8	world	world	PROPN
esutjss-259	109	9	bank	bank	PROPN
esutjss-259	109	10	world	world	PROPN
esutjss-259	109	11	development	development	NOUN
esutjss-259	109	12	indicators	indicator	NOUN
esutjss-259	109	13	,	,	PUNCT
esutjss-259	109	14	international	international	ADJ
esutjss-259	109	15	monetary	monetary	ADJ
esutjss-259	109	16	fund	fund	PROPN
esutjss-259	109	17	financial	financial	ADJ
esutjss-259	109	18	development	development	NOUN
esutjss-259	109	19	indicators	indicator	NOUN
esutjss-259	109	20	,	,	PUNCT
esutjss-259	109	21	and	and	CCONJ
esutjss-259	109	22	the	the	DET
esutjss-259	109	23	united	united	PROPN
esutjss-259	109	24	nations	nations	PROPN
esutjss-259	109	25	development	development	PROPN
esutjss-259	109	26	programme	programme	PROPN
esutjss-259	109	27	database	database	NOUN
esutjss-259	109	28	for	for	ADP
esutjss-259	109	29	each	each	DET
esutjss-259	109	30	country	country	NOUN
esutjss-259	109	31	.	.	PUNCT
esutjss-259	110	1	71	71	NUM
esutjss-259	110	2	4	4	NUM
esutjss-259	110	3	.	.	PUNCT
esutjss-259	110	4	model	model	NOUN
esutjss-259	110	5	estimation	estimation	NOUN
esutjss-259	110	6	and	and	CCONJ
esutjss-259	110	7	analysis	analysis	NOUN
esutjss-259	110	8	table	table	NOUN
esutjss-259	110	9	4.1	4.1	NUM
esutjss-259	110	10	financial	financial	ADJ
esutjss-259	110	11	inclusion	inclusion	NOUN
esutjss-259	110	12	and	and	CCONJ
esutjss-259	110	13	inequality	inequality	NOUN
esutjss-259	110	14	in	in	ADP
esutjss-259	110	15	west	west	PROPN
esutjss-259	110	16	africa	africa	PROPN
esutjss-259	110	17	(	(	PUNCT
esutjss-259	110	18	1	1	NUM
esutjss-259	110	19	)	)	PUNCT
esutjss-259	110	20	(	(	PUNCT
esutjss-259	110	21	2	2	NUM
esutjss-259	110	22	)	)	PUNCT
esutjss-259	110	23	(	(	PUNCT
esutjss-259	110	24	3	3	X
esutjss-259	110	25	)	)	PUNCT
esutjss-259	110	26	variables	variable	NOUN
esutjss-259	110	27	fe	fe	X
esutjss-259	110	28	re	re	ADP
esutjss-259	110	29	ols	ols	PROPN
esutjss-259	110	30	fii	fii	PROPN
esutjss-259	110	31	-0.036	-0.036	PROPN
esutjss-259	110	32	-0.050	-0.050	NUM
esutjss-259	110	33	-0.050	-0.050	PROPN
esutjss-259	110	34	(	(	PUNCT
esutjss-259	110	35	0.207	0.207	NUM
esutjss-259	110	36	)	)	PUNCT
esutjss-259	110	37	(	(	PUNCT
esutjss-259	110	38	0.201	0.201	NUM
esutjss-259	110	39	)	)	PUNCT
esutjss-259	110	40	(	(	PUNCT
esutjss-259	110	41	0.320	0.320	NUM
esutjss-259	110	42	)	)	PUNCT
esutjss-259	110	43	gexpgdp	gexpgdp	NOUN
esutjss-259	110	44	-0.063	-0.063	NOUN
esutjss-259	110	45	-0.064	-0.064	NOUN
esutjss-259	110	46	-0.064	-0.064	NOUN
esutjss-259	110	47	(	(	PUNCT
esutjss-259	110	48	0.042	0.042	NUM
esutjss-259	110	49	)	)	PUNCT
esutjss-259	110	50	(	(	PUNCT
esutjss-259	110	51	0.041	0.041	NUM
esutjss-259	110	52	)	)	PUNCT
esutjss-259	110	53	(	(	PUNCT
esutjss-259	110	54	0.085	0.085	NUM
esutjss-259	110	55	)	)	PUNCT
esutjss-259	110	56	lgpdpercapita	lgpdpercapita	PROPN
esutjss-259	110	57	-0.767	-0.767	PROPN
esutjss-259	110	58	*	*	NOUN
esutjss-259	110	59	-0.712	-0.712	NOUN
esutjss-259	110	60	*	*	PUNCT
esutjss-259	110	61	-0.712	-0.712	NOUN
esutjss-259	110	62	(	(	PUNCT
esutjss-259	110	63	0.417	0.417	NUM
esutjss-259	110	64	)	)	PUNCT
esutjss-259	110	65	(	(	PUNCT
esutjss-259	110	66	0.407	0.407	NUM
esutjss-259	110	67	)	)	PUNCT
esutjss-259	110	68	(	(	PUNCT
esutjss-259	110	69	0.864	0.864	NUM
esutjss-259	110	70	)	)	PUNCT
esutjss-259	110	71	top	top	NOUN
esutjss-259	110	72	-0.010	-0.010	PUNCT
esutjss-259	110	73	-0.011	-0.011	PRON
esutjss-259	110	74	-0.011	-0.011	X
esutjss-259	110	75	(	(	PUNCT
esutjss-259	110	76	0.009	0.009	NUM
esutjss-259	110	77	)	)	PUNCT
esutjss-259	110	78	(	(	PUNCT
esutjss-259	110	79	0.009	0.009	NUM
esutjss-259	110	80	)	)	PUNCT
esutjss-259	110	81	(	(	PUNCT
esutjss-259	110	82	0.010	0.010	NUM
esutjss-259	110	83	)	)	PUNCT
esutjss-259	110	84	depratio	depratio	NOUN
esutjss-259	110	85	-0.377	-0.377	NOUN
esutjss-259	110	86	*	*	PUNCT
esutjss-259	110	87	*	*	PUNCT
esutjss-259	110	88	*	*	PUNCT
esutjss-259	110	89	-0.378	-0.378	PUNCT
esutjss-259	110	90	*	*	PUNCT
esutjss-259	110	91	*	*	PUNCT
esutjss-259	110	92	*	*	PUNCT
esutjss-259	110	93	-0.378	-0.378	PUNCT
esutjss-259	110	94	*	*	PUNCT
esutjss-259	110	95	*	*	PUNCT
esutjss-259	110	96	*	*	PUNCT
esutjss-259	110	97	(	(	PUNCT
esutjss-259	110	98	0.049	0.049	NUM
esutjss-259	110	99	)	)	PUNCT
esutjss-259	110	100	(	(	PUNCT
esutjss-259	110	101	0.047	0.047	NUM
esutjss-259	110	102	)	)	PUNCT
esutjss-259	110	103	(	(	PUNCT
esutjss-259	110	104	0.069	0.069	NUM
esutjss-259	110	105	)	)	PUNCT
esutjss-259	110	106	meansch	meansch	NOUN
esutjss-259	110	107	-0.851	-0.851	PUNCT
esutjss-259	110	108	*	*	PUNCT
esutjss-259	110	109	*	*	PUNCT
esutjss-259	110	110	*	*	PUNCT
esutjss-259	110	111	-0.822	-0.822	NOUN
esutjss-259	110	112	*	*	PUNCT
esutjss-259	110	113	*	*	PUNCT
esutjss-259	110	114	*	*	PUNCT
esutjss-259	110	115	-0.822	-0.822	NOUN
esutjss-259	110	116	*	*	PUNCT
esutjss-259	110	117	(	(	PUNCT
esutjss-259	110	118	0.251	0.251	NUM
esutjss-259	110	119	)	)	PUNCT
esutjss-259	110	120	(	(	PUNCT
esutjss-259	110	121	0.240	0.240	NUM
esutjss-259	110	122	)	)	PUNCT
esutjss-259	110	123	(	(	PUNCT
esutjss-259	110	124	0.465	0.465	NUM
esutjss-259	110	125	)	)	PUNCT
esutjss-259	110	126	inflation	inflation	NOUN
esutjss-259	110	127	0.028	0.028	NUM
esutjss-259	110	128	0.028	0.028	NUM
esutjss-259	110	129	0.028	0.028	NUM
esutjss-259	110	130	*	*	PUNCT
esutjss-259	110	131	*	*	PUNCT
esutjss-259	110	132	(	(	PUNCT
esutjss-259	110	133	0.017	0.017	NUM
esutjss-259	110	134	)	)	PUNCT
esutjss-259	110	135	(	(	PUNCT
esutjss-259	110	136	0.017	0.017	NUM
esutjss-259	110	137	)	)	PUNCT
esutjss-259	110	138	(	(	PUNCT
esutjss-259	110	139	0.012	0.012	NUM
esutjss-259	110	140	)	)	PUNCT
esutjss-259	110	141	voi_acct	voi_acct	NOUN
esutjss-259	110	142	-0.101	-0.101	PUNCT
esutjss-259	110	143	-0.094	-0.094	VERB
esutjss-259	110	144	-0.094	-0.094	X
esutjss-259	110	145	(	(	PUNCT
esutjss-259	110	146	0.403	0.403	NUM
esutjss-259	110	147	)	)	PUNCT
esutjss-259	110	148	(	(	PUNCT
esutjss-259	110	149	0.392	0.392	NUM
esutjss-259	110	150	)	)	PUNCT
esutjss-259	110	151	(	(	PUNCT
esutjss-259	110	152	0.589	0.589	NUM
esutjss-259	110	153	)	)	PUNCT
esutjss-259	110	154	gfcfgdp	gfcfgdp	NOUN
esutjss-259	110	155	-0.004	-0.004	PUNCT
esutjss-259	110	156	-0.003	-0.003	SYM
esutjss-259	110	157	-0.003	-0.003	PROPN
esutjss-259	110	158	(	(	PUNCT
esutjss-259	110	159	0.016	0.016	NUM
esutjss-259	110	160	)	)	PUNCT
esutjss-259	110	161	(	(	PUNCT
esutjss-259	110	162	0.016	0.016	NUM
esutjss-259	110	163	)	)	PUNCT
esutjss-259	110	164	(	(	PUNCT
esutjss-259	110	165	0.013	0.013	NUM
esutjss-259	110	166	)	)	PUNCT
esutjss-259	110	167	constant	constant	ADJ
esutjss-259	110	168	84.428	84.428	NUM
esutjss-259	110	169	*	*	PUNCT
esutjss-259	110	170	*	*	PUNCT
esutjss-259	110	171	*	*	PUNCT
esutjss-259	110	172	84.813	84.813	NUM
esutjss-259	110	173	*	*	PUNCT
esutjss-259	110	174	*	*	PUNCT
esutjss-259	110	175	*	*	PUNCT
esutjss-259	110	176	84.813	84.813	NUM
esutjss-259	110	177	*	*	PUNCT
esutjss-259	110	178	*	*	PUNCT
esutjss-259	110	179	*	*	PUNCT
esutjss-259	110	180	(	(	PUNCT
esutjss-259	110	181	5.313	5.313	NUM
esutjss-259	110	182	)	)	PUNCT
esutjss-259	110	183	(	(	PUNCT
esutjss-259	110	184	5.339	5.339	NUM
esutjss-259	110	185	)	)	PUNCT
esutjss-259	110	186	(	(	PUNCT
esutjss-259	110	187	7.196	7.196	NUM
esutjss-259	110	188	)	)	PUNCT
esutjss-259	110	189	observations	observation	NOUN
esutjss-259	110	190	118	118	NUM
esutjss-259	110	191	118	118	NUM
esutjss-259	110	192	118	118	NUM
esutjss-259	110	193	r	r	NOUN
esutjss-259	110	194	-	-	PUNCT
esutjss-259	110	195	squared	square	VERB
esutjss-259	110	196	0.554	0.554	NUM
esutjss-259	110	197	number	number	NOUN
esutjss-259	110	198	of	of	ADP
esutjss-259	110	199	i	i	PROPN
esutjss-259	110	200	d	d	PROPN
esutjss-259	110	201	13	13	NUM
esutjss-259	110	202	13	13	NUM
esutjss-259	110	203	13	13	NUM
esutjss-259	110	204	standard	standard	ADJ
esutjss-259	110	205	errors	error	NOUN
esutjss-259	110	206	in	in	ADP
esutjss-259	110	207	parentheses	parenthesis	NOUN
esutjss-259	110	208	*	*	PUNCT
esutjss-259	110	209	*	*	PUNCT
esutjss-259	110	210	*	*	PUNCT
esutjss-259	110	211	p<0.01	p<0.01	PROPN
esutjss-259	110	212	,	,	PUNCT
esutjss-259	110	213	*	*	PUNCT
esutjss-259	110	214	*	*	PUNCT
esutjss-259	110	215	p<0.05	p<0.05	NOUN
esutjss-259	110	216	,	,	PUNCT
esutjss-259	110	217	*	*	SYM
esutjss-259	110	218	p<0.1	p<0.1	NUM
esutjss-259	110	219	table	table	NOUN
esutjss-259	110	220	1	1	NUM
esutjss-259	110	221	shows	show	VERB
esutjss-259	110	222	the	the	DET
esutjss-259	110	223	regression	regression	NOUN
esutjss-259	110	224	of	of	ADP
esutjss-259	110	225	financial	financial	ADJ
esutjss-259	110	226	inclusion	inclusion	NOUN
esutjss-259	110	227	index	index	NOUN
esutjss-259	110	228	(	(	PUNCT
esutjss-259	110	229	fii	fii	PROPN
esutjss-259	110	230	)	)	PUNCT
esutjss-259	110	231	and	and	CCONJ
esutjss-259	110	232	other	other	ADJ
esutjss-259	110	233	control	control	NOUN
esutjss-259	110	234	variables	variable	NOUN
esutjss-259	110	235	on	on	ADP
esutjss-259	110	236	income	income	NOUN
esutjss-259	110	237	inequality	inequality	NOUN
esutjss-259	110	238	in	in	ADP
esutjss-259	110	239	using	use	VERB
esutjss-259	110	240	fixed	fix	VERB
esutjss-259	110	241	effect	effect	NOUN
esutjss-259	110	242	,	,	PUNCT
esutjss-259	110	243	random	random	ADJ
esutjss-259	110	244	effect	effect	NOUN
esutjss-259	110	245	and	and	CCONJ
esutjss-259	110	246	panel	panel	NOUN
esutjss-259	110	247	ols	ol	NOUN
esutjss-259	110	248	estimation	estimation	NOUN
esutjss-259	110	249	techniques	technique	NOUN
esutjss-259	110	250	.	.	PUNCT
esutjss-259	111	1	evidence	evidence	NOUN
esutjss-259	111	2	from	from	ADP
esutjss-259	111	3	the	the	DET
esutjss-259	111	4	estimated	estimate	VERB
esutjss-259	111	5	model	model	NOUN
esutjss-259	111	6	indicate	indicate	VERB
esutjss-259	111	7	that	that	SCONJ
esutjss-259	111	8	financial	financial	ADJ
esutjss-259	111	9	inclusion	inclusion	NOUN
esutjss-259	111	10	is	be	AUX
esutjss-259	111	11	negatively	negatively	ADV
esutjss-259	111	12	related	relate	VERB
esutjss-259	111	13	to	to	ADP
esutjss-259	111	14	inequality	inequality	NOUN
esutjss-259	111	15	in	in	ADP
esutjss-259	111	16	west	west	PROPN
esutjss-259	111	17	africa	africa	PROPN
esutjss-259	111	18	.	.	PUNCT
esutjss-259	112	1	this	this	PRON
esutjss-259	112	2	implies	imply	VERB
esutjss-259	112	3	that	that	SCONJ
esutjss-259	112	4	higher	high	ADJ
esutjss-259	112	5	levels	level	NOUN
esutjss-259	112	6	of	of	ADP
esutjss-259	112	7	financial	financial	ADJ
esutjss-259	112	8	inclusion	inclusion	NOUN
esutjss-259	112	9	reduces	reduce	VERB
esutjss-259	112	10	income	income	NOUN
esutjss-259	112	11	inequality	inequality	NOUN
esutjss-259	112	12	.	.	PUNCT
esutjss-259	113	1	however	however	ADV
esutjss-259	113	2	,	,	PUNCT
esutjss-259	113	3	the	the	DET
esutjss-259	113	4	effect	effect	NOUN
esutjss-259	113	5	of	of	ADP
esutjss-259	113	6	financial	financial	ADJ
esutjss-259	113	7	inclusion	inclusion	NOUN
esutjss-259	113	8	on	on	ADP
esutjss-259	113	9	inequality	inequality	NOUN
esutjss-259	113	10	is	be	AUX
esutjss-259	113	11	statistically	statistically	ADV
esutjss-259	113	12	insignificant	insignificant	ADJ
esutjss-259	113	13	indicating	indicate	VERB
esutjss-259	113	14	that	that	SCONJ
esutjss-259	113	15	financial	financial	ADJ
esutjss-259	113	16	inclusion	inclusion	NOUN
esutjss-259	113	17	is	be	AUX
esutjss-259	113	18	not	not	PART
esutjss-259	113	19	a	a	DET
esutjss-259	113	20	determinant	determinant	NOUN
esutjss-259	113	21	of	of	ADP
esutjss-259	113	22	inequality	inequality	NOUN
esutjss-259	113	23	reduction	reduction	NOUN
esutjss-259	113	24	in	in	ADP
esutjss-259	113	25	west	west	PROPN
esutjss-259	113	26	africa	africa	PROPN
esutjss-259	113	27	.	.	PUNCT
esutjss-259	114	1	one	one	NUM
esutjss-259	114	2	reason	reason	NOUN
esutjss-259	114	3	for	for	ADP
esutjss-259	114	4	the	the	DET
esutjss-259	114	5	negative	negative	ADJ
esutjss-259	114	6	insignificant	insignificant	ADJ
esutjss-259	114	7	effect	effect	NOUN
esutjss-259	114	8	could	could	AUX
esutjss-259	114	9	be	be	AUX
esutjss-259	114	10	the	the	DET
esutjss-259	114	11	low	low	ADJ
esutjss-259	114	12	levels	level	NOUN
esutjss-259	114	13	of	of	ADP
esutjss-259	114	14	financial	financial	ADJ
esutjss-259	114	15	inclusion	inclusion	NOUN
esutjss-259	114	16	in	in	ADP
esutjss-259	114	17	the	the	DET
esutjss-259	114	18	sub	sub	NOUN
esutjss-259	114	19	region	region	NOUN
esutjss-259	114	20	.	.	PUNCT
esutjss-259	115	1	for	for	ADP
esutjss-259	115	2	instance	instance	NOUN
esutjss-259	115	3	,	,	PUNCT
esutjss-259	115	4	data	datum	NOUN
esutjss-259	115	5	from	from	ADP
esutjss-259	115	6	global	global	ADJ
esutjss-259	115	7	findex	findex	NOUN
esutjss-259	115	8	2021	2021	NUM
esutjss-259	115	9	indicate	indicate	VERB
esutjss-259	115	10	that	that	SCONJ
esutjss-259	115	11	the	the	DET
esutjss-259	115	12	average	average	ADJ
esutjss-259	115	13	account	account	NOUN
esutjss-259	115	14	ownership	ownership	NOUN
esutjss-259	115	15	the	the	DET
esutjss-259	115	16	region	region	NOUN
esutjss-259	115	17	still	still	ADV
esutjss-259	115	18	stands	stand	VERB
esutjss-259	115	19	at	at	ADP
esutjss-259	115	20	16	16	NUM
esutjss-259	115	21	%	%	NOUN
esutjss-259	115	22	in	in	ADP
esutjss-259	115	23	the	the	DET
esutjss-259	115	24	subregion	subregion	NOUN
esutjss-259	115	25	while	while	SCONJ
esutjss-259	115	26	only	only	ADV
esutjss-259	115	27	about	about	ADV
esutjss-259	115	28	8	8	NUM
esutjss-259	115	29	%	%	NOUN
esutjss-259	115	30	of	of	ADP
esutjss-259	115	31	the	the	DET
esutjss-259	115	32	population	population	NOUN
esutjss-259	115	33	accessed	access	VERB
esutjss-259	115	34	credit	credit	NOUN
esutjss-259	115	35	through	through	ADP
esutjss-259	115	36	the	the	DET
esutjss-259	115	37	formal	formal	ADJ
esutjss-259	115	38	financial	financial	ADJ
esutjss-259	115	39	system	system	NOUN
esutjss-259	115	40	in	in	ADP
esutjss-259	115	41	the	the	DET
esutjss-259	115	42	sub	sub	NOUN
esutjss-259	115	43	region	region	NOUN
esutjss-259	115	44	as	as	ADP
esutjss-259	115	45	at	at	ADP
esutjss-259	115	46	2021(global	2021(global	NUM
esutjss-259	115	47	findex	findex	NOUN
esutjss-259	115	48	2021	2021	NUM
esutjss-259	115	49	)	)	PUNCT
esutjss-259	115	50	.	.	PUNCT
esutjss-259	116	1	the	the	DET
esutjss-259	116	2	finding	finding	NOUN
esutjss-259	116	3	is	be	AUX
esutjss-259	116	4	also	also	ADV
esutjss-259	116	5	in	in	ADP
esutjss-259	116	6	line	line	NOUN
esutjss-259	116	7	with	with	ADP
esutjss-259	116	8	the	the	DET
esutjss-259	116	9	result	result	NOUN
esutjss-259	116	10	obtained	obtain	VERB
esutjss-259	116	11	by	by	ADP
esutjss-259	116	12	agyemang	agyemang	NOUN
esutjss-259	116	13	-	-	PUNCT
esutjss-259	116	14	badu	badu	NOUN
esutjss-259	116	15	,	,	PUNCT
esutjss-259	116	16	agyei	agyei	PROPN
esutjss-259	116	17	.	.	PUNCT
esutjss-259	116	18	&	&	CCONJ
esutjss-259	116	19	duah	duah	PROPN
esutjss-259	116	20	(	(	PUNCT
esutjss-259	116	21	2018	2018	NUM
esutjss-259	116	22	)	)	PUNCT
esutjss-259	116	23	in	in	ADP
esutjss-259	116	24	a	a	DET
esutjss-259	116	25	study	study	NOUN
esutjss-259	116	26	of	of	ADP
esutjss-259	116	27	the	the	DET
esutjss-259	116	28	impact	impact	NOUN
esutjss-259	116	29	of	of	ADP
esutjss-259	116	30	financial	financial	ADJ
esutjss-259	116	31	inclusion	inclusion	NOUN
esutjss-259	116	32	on	on	ADP
esutjss-259	116	33	inequality	inequality	NOUN
esutjss-259	116	34	and	and	CCONJ
esutjss-259	116	35	poverty	poverty	NOUN
esutjss-259	116	36	in	in	ADP
esutjss-259	116	37	africa	africa	PROPN
esutjss-259	116	38	.	.	PUNCT
esutjss-259	117	1	on	on	ADP
esutjss-259	117	2	the	the	DET
esutjss-259	117	3	other	other	ADJ
esutjss-259	117	4	hand	hand	NOUN
esutjss-259	117	5	the	the	DET
esutjss-259	117	6	study	study	NOUN
esutjss-259	117	7	found	find	VERB
esutjss-259	117	8	that	that	SCONJ
esutjss-259	117	9	mean	mean	VERB
esutjss-259	117	10	school	school	NOUN
esutjss-259	117	11	years	year	NOUN
esutjss-259	117	12	is	be	AUX
esutjss-259	117	13	negatively	negatively	ADV
esutjss-259	117	14	related	relate	VERB
esutjss-259	117	15	to	to	ADP
esutjss-259	117	16	financial	financial	ADJ
esutjss-259	117	17	inclusion	inclusion	NOUN
esutjss-259	117	18	and	and	CCONJ
esutjss-259	117	19	the	the	DET
esutjss-259	117	20	impact	impact	NOUN
esutjss-259	117	21	is	be	AUX
esutjss-259	117	22	also	also	ADV
esutjss-259	117	23	statistically	statistically	ADV
esutjss-259	117	24	significant	significant	ADJ
esutjss-259	117	25	indicating	indicate	VERB
esutjss-259	117	26	that	that	SCONJ
esutjss-259	117	27	the	the	PRON
esutjss-259	117	28	higher	high	ADJ
esutjss-259	117	29	the	the	DET
esutjss-259	117	30	average	average	ADJ
esutjss-259	117	31	schooling	schooling	NOUN
esutjss-259	117	32	age	age	NOUN
esutjss-259	117	33	in	in	ADP
esutjss-259	117	34	the	the	DET
esutjss-259	117	35	region	region	NOUN
esutjss-259	117	36	the	the	PRON
esutjss-259	117	37	lower	low	ADJ
esutjss-259	117	38	the	the	DET
esutjss-259	117	39	level	level	NOUN
esutjss-259	117	40	of	of	ADP
esutjss-259	117	41	inequality	inequality	NOUN
esutjss-259	117	42	.	.	PUNCT
esutjss-259	118	1	the	the	DET
esutjss-259	118	2	variable	variable	NOUN
esutjss-259	118	3	is	be	AUX
esutjss-259	118	4	also	also	ADV
esutjss-259	118	5	statistically	statistically	ADV
esutjss-259	118	6	significant	significant	ADJ
esutjss-259	118	7	indicating	indicate	VERB
esutjss-259	118	8	that	that	SCONJ
esutjss-259	118	9	education	education	NOUN
esutjss-259	118	10	has	have	VERB
esutjss-259	118	11	an	an	DET
esutjss-259	118	12	significant	significant	ADJ
esutjss-259	118	13	effect	effect	NOUN
esutjss-259	118	14	on	on	ADP
esutjss-259	118	15	financial	financial	ADJ
esutjss-259	118	16	inclusion	inclusion	NOUN
esutjss-259	118	17	in	in	ADP
esutjss-259	118	18	the	the	DET
esutjss-259	118	19	study	study	NOUN
esutjss-259	118	20	.	.	PUNCT
esutjss-259	119	1	again	again	ADV
esutjss-259	119	2	,	,	PUNCT
esutjss-259	119	3	the	the	DET
esutjss-259	119	4	study	study	NOUN
esutjss-259	119	5	found	find	VERB
esutjss-259	119	6	that	that	SCONJ
esutjss-259	119	7	the	the	DET
esutjss-259	119	8	dependency	dependency	NOUN
esutjss-259	119	9	ratio	ratio	NOUN
esutjss-259	119	10	has	have	VERB
esutjss-259	119	11	a	a	DET
esutjss-259	119	12	negative	negative	ADJ
esutjss-259	119	13	and	and	CCONJ
esutjss-259	119	14	statistically	statistically	ADV
esutjss-259	119	15	significant	significant	ADJ
esutjss-259	119	16	effect	effect	NOUN
esutjss-259	119	17	on	on	ADP
esutjss-259	119	18	inequality	inequality	NOUN
esutjss-259	119	19	.	.	PUNCT
esutjss-259	120	1	the	the	DET
esutjss-259	120	2	finding	finding	NOUN
esutjss-259	120	3	which	which	PRON
esutjss-259	120	4	is	be	AUX
esutjss-259	120	5	contrary	contrary	ADJ
esutjss-259	120	6	to	to	ADP
esutjss-259	120	7	appriori	appriori	ADJ
esutjss-259	120	8	economic	economic	ADJ
esutjss-259	120	9	expectation	expectation	NOUN
esutjss-259	120	10	may	may	AUX
esutjss-259	120	11	be	be	AUX
esutjss-259	120	12	caused	cause	VERB
esutjss-259	120	13	by	by	ADP
esutjss-259	120	14	a	a	DET
esutjss-259	120	15	number	number	NOUN
esutjss-259	120	16	of	of	ADP
esutjss-259	120	17	factors	factor	NOUN
esutjss-259	120	18	.	.	PUNCT
esutjss-259	121	1	high	high	ADJ
esutjss-259	121	2	levels	level	NOUN
esutjss-259	121	3	of	of	ADP
esutjss-259	121	4	poverty	poverty	NOUN
esutjss-259	121	5	means	mean	VERB
esutjss-259	121	6	that	that	SCONJ
esutjss-259	121	7	children	child	NOUN
esutjss-259	121	8	as	as	ADV
esutjss-259	121	9	young	young	ADJ
esutjss-259	121	10	as	as	ADP
esutjss-259	121	11	10	10	NUM
esutjss-259	121	12	years	year	NOUN
esutjss-259	121	13	are	be	AUX
esutjss-259	121	14	already	already	ADV
esutjss-259	121	15	in	in	ADP
esutjss-259	121	16	the	the	DET
esutjss-259	121	17	labour	labour	NOUN
esutjss-259	121	18	,	,	PUNCT
esutjss-259	121	19	working	work	VERB
esutjss-259	121	20	,	,	PUNCT
esutjss-259	121	21	hawking	hawk	VERB
esutjss-259	121	22	and	and	CCONJ
esutjss-259	121	23	helping	help	VERB
esutjss-259	121	24	out	out	ADP
esutjss-259	121	25	in	in	ADP
esutjss-259	121	26	the	the	DET
esutjss-259	121	27	farms	farm	NOUN
esutjss-259	121	28	there	there	ADV
esutjss-259	121	29	by	by	ADP
esutjss-259	121	30	contributing	contribute	VERB
esutjss-259	121	31	to	to	ADP
esutjss-259	121	32	family	family	NOUN
esutjss-259	121	33	income	income	NOUN
esutjss-259	121	34	.	.	PUNCT
esutjss-259	122	1	also	also	ADV
esutjss-259	122	2	,	,	PUNCT
esutjss-259	122	3	the	the	DET
esutjss-259	122	4	study	study	NOUN
esutjss-259	122	5	found	find	VERB
esutjss-259	122	6	that	that	SCONJ
esutjss-259	122	7	gdp	gdp	NOUN
esutjss-259	122	8	per	per	ADP
esutjss-259	122	9	capita	capita	NOUN
esutjss-259	122	10	has	have	VERB
esutjss-259	122	11	a	a	DET
esutjss-259	122	12	negative	negative	ADJ
esutjss-259	122	13	effect	effect	NOUN
esutjss-259	122	14	on	on	ADP
esutjss-259	122	15	inequality	inequality	NOUN
esutjss-259	122	16	.	.	PUNCT
esutjss-259	123	1	the	the	DET
esutjss-259	123	2	effect	effect	NOUN
esutjss-259	123	3	is	be	AUX
esutjss-259	123	4	also	also	ADV
esutjss-259	123	5	statistically	statistically	ADV
esutjss-259	123	6	significant	significant	ADJ
esutjss-259	123	7	at	at	ADP
esutjss-259	123	8	the	the	DET
esutjss-259	123	9	10	10	NUM
esutjss-259	123	10	%	%	NOUN
esutjss-259	123	11	significance	significance	NOUN
esutjss-259	123	12	level	level	NOUN
esutjss-259	123	13	.	.	PUNCT
esutjss-259	124	1	72	72	NUM
esutjss-259	124	2	other	other	ADJ
esutjss-259	124	3	factors	factor	NOUN
esutjss-259	124	4	that	that	PRON
esutjss-259	124	5	reduces	reduce	VERB
esutjss-259	124	6	income	income	NOUN
esutjss-259	124	7	inequality	inequality	NOUN
esutjss-259	124	8	in	in	ADP
esutjss-259	124	9	the	the	DET
esutjss-259	124	10	estimated	estimate	VERB
esutjss-259	124	11	models	model	NOUN
esutjss-259	124	12	include	include	VERB
esutjss-259	124	13	government	government	NOUN
esutjss-259	124	14	expenditure	expenditure	NOUN
esutjss-259	124	15	as	as	ADP
esutjss-259	124	16	a	a	DET
esutjss-259	124	17	percentage	percentage	NOUN
esutjss-259	124	18	of	of	ADP
esutjss-259	124	19	gdp	gdp	NOUN
esutjss-259	124	20	(	(	PUNCT
esutjss-259	124	21	gexpgdp	gexpgdp	NOUN
esutjss-259	124	22	)	)	PUNCT
esutjss-259	124	23	,	,	PUNCT
esutjss-259	124	24	gross	gross	ADJ
esutjss-259	124	25	fixed	fix	VERB
esutjss-259	124	26	capital	capital	NOUN
esutjss-259	124	27	formation	formation	NOUN
esutjss-259	124	28	as	as	ADP
esutjss-259	124	29	a	a	DET
esutjss-259	124	30	percentage	percentage	NOUN
esutjss-259	124	31	of	of	ADP
esutjss-259	124	32	gdp	gdp	NOUN
esutjss-259	124	33	(	(	PUNCT
esutjss-259	124	34	gfcfgdp	gfcfgdp	NOUN
esutjss-259	124	35	)	)	PUNCT
esutjss-259	124	36	and	and	CCONJ
esutjss-259	124	37	voice	voice	NOUN
esutjss-259	124	38	and	and	CCONJ
esutjss-259	124	39	accountability(voi_acct	accountability(voi_acct	PROPN
esutjss-259	124	40	)	)	PUNCT
esutjss-259	124	41	which	which	PRON
esutjss-259	124	42	was	be	AUX
esutjss-259	124	43	used	use	VERB
esutjss-259	124	44	a	a	DET
esutjss-259	124	45	proxy	proxy	NOUN
esutjss-259	124	46	for	for	ADP
esutjss-259	124	47	the	the	DET
esutjss-259	124	48	level	level	NOUN
esutjss-259	124	49	of	of	ADP
esutjss-259	124	50	accountability	accountability	NOUN
esutjss-259	124	51	and	and	CCONJ
esutjss-259	124	52	transparency	transparency	NOUN
esutjss-259	124	53	in	in	ADP
esutjss-259	124	54	government	government	NOUN
esutjss-259	124	55	institution	institution	NOUN
esutjss-259	124	56	.	.	PUNCT
esutjss-259	125	1	the	the	DET
esutjss-259	125	2	variables	variable	NOUN
esutjss-259	125	3	were	be	AUX
esutjss-259	125	4	however	however	ADV
esutjss-259	125	5	,	,	PUNCT
esutjss-259	125	6	found	find	VERB
esutjss-259	125	7	to	to	PART
esutjss-259	125	8	be	be	AUX
esutjss-259	125	9	statistically	statistically	ADV
esutjss-259	125	10	insignificant	insignificant	ADJ
esutjss-259	125	11	.	.	PUNCT
esutjss-259	126	1	5	5	X
esutjss-259	126	2	.	.	X
esutjss-259	126	3	conclusion	conclusion	NOUN
esutjss-259	126	4	the	the	DET
esutjss-259	126	5	study	study	NOUN
esutjss-259	126	6	is	be	AUX
esutjss-259	126	7	an	an	DET
esutjss-259	126	8	attempt	attempt	NOUN
esutjss-259	126	9	to	to	PART
esutjss-259	126	10	investigate	investigate	VERB
esutjss-259	126	11	the	the	DET
esutjss-259	126	12	effect	effect	NOUN
esutjss-259	126	13	of	of	ADP
esutjss-259	126	14	financial	financial	ADJ
esutjss-259	126	15	inclusion	inclusion	NOUN
esutjss-259	126	16	on	on	ADP
esutjss-259	126	17	inequality	inequality	NOUN
esutjss-259	126	18	in	in	ADP
esutjss-259	126	19	west	west	PROPN
esutjss-259	126	20	africa	africa	PROPN
esutjss-259	126	21	.	.	PUNCT
esutjss-259	127	1	the	the	DET
esutjss-259	127	2	study	study	NOUN
esutjss-259	127	3	used	use	VERB
esutjss-259	127	4	data	datum	NOUN
esutjss-259	127	5	from	from	ADP
esutjss-259	127	6	13	13	NUM
esutjss-259	127	7	west	west	ADJ
esutjss-259	127	8	african	african	ADJ
esutjss-259	127	9	countries	country	NOUN
esutjss-259	127	10	for	for	ADP
esutjss-259	127	11	which	which	PRON
esutjss-259	127	12	data	datum	NOUN
esutjss-259	127	13	were	be	AUX
esutjss-259	127	14	available	available	ADJ
esutjss-259	127	15	.	.	PUNCT
esutjss-259	128	1	data	datum	NOUN
esutjss-259	128	2	on	on	ADP
esutjss-259	128	3	gini	gini	PROPN
esutjss-259	128	4	coefficient	coefficient	PROPN
esutjss-259	128	5	,	,	PUNCT
esutjss-259	128	6	human	human	ADJ
esutjss-259	128	7	development	development	NOUN
esutjss-259	128	8	index	index	NOUN
esutjss-259	128	9	,	,	PUNCT
esutjss-259	128	10	financial	financial	ADJ
esutjss-259	128	11	inclusion	inclusion	NOUN
esutjss-259	128	12	index	index	NOUN
esutjss-259	128	13	,	,	PUNCT
esutjss-259	128	14	per	per	ADP
esutjss-259	128	15	capita	capita	NOUN
esutjss-259	128	16	income	income	NOUN
esutjss-259	128	17	,	,	PUNCT
esutjss-259	128	18	government	government	NOUN
esutjss-259	128	19	expenditure	expenditure	NOUN
esutjss-259	128	20	,	,	PUNCT
esutjss-259	128	21	inflation	inflation	NOUN
esutjss-259	128	22	,	,	PUNCT
esutjss-259	128	23	dependency	dependency	NOUN
esutjss-259	128	24	ratio	ratio	NOUN
esutjss-259	128	25	,	,	PUNCT
esutjss-259	128	26	mean	mean	VERB
esutjss-259	128	27	school	school	NOUN
esutjss-259	128	28	years	year	NOUN
esutjss-259	128	29	,	,	PUNCT
esutjss-259	128	30	voice	voice	NOUN
esutjss-259	128	31	and	and	CCONJ
esutjss-259	128	32	accountability	accountability	NOUN
esutjss-259	128	33	and	and	CCONJ
esutjss-259	128	34	trade	trade	NOUN
esutjss-259	128	35	openness	openness	NOUN
esutjss-259	128	36	was	be	AUX
esutjss-259	128	37	used	use	VERB
esutjss-259	128	38	in	in	ADP
esutjss-259	128	39	the	the	DET
esutjss-259	128	40	analysis	analysis	NOUN
esutjss-259	128	41	.	.	PUNCT
esutjss-259	129	1	also	also	ADV
esutjss-259	129	2	,	,	PUNCT
esutjss-259	129	3	the	the	DET
esutjss-259	129	4	study	study	NOUN
esutjss-259	129	5	constructed	construct	VERB
esutjss-259	129	6	a	a	DET
esutjss-259	129	7	financial	financial	ADJ
esutjss-259	129	8	inclusion	inclusion	NOUN
esutjss-259	129	9	index	index	NOUN
esutjss-259	129	10	using	use	VERB
esutjss-259	129	11	data	datum	NOUN
esutjss-259	129	12	on	on	ADP
esutjss-259	129	13	credit	credit	NOUN
esutjss-259	129	14	to	to	ADP
esutjss-259	129	15	the	the	DET
esutjss-259	129	16	private	private	ADJ
esutjss-259	129	17	sector	sector	NOUN
esutjss-259	129	18	,	,	PUNCT
esutjss-259	129	19	number	number	NOUN
esutjss-259	129	20	of	of	ADP
esutjss-259	129	21	bank	bank	NOUN
esutjss-259	129	22	brancher	brancher	PROPN
esutjss-259	129	23	per	per	ADP
esutjss-259	129	24	100000	100000	NUM
esutjss-259	129	25	of	of	ADP
esutjss-259	129	26	the	the	DET
esutjss-259	129	27	population	population	NOUN
esutjss-259	129	28	and	and	CCONJ
esutjss-259	129	29	bank	bank	NOUN
esutjss-259	129	30	account	account	NOUN
esutjss-259	129	31	ownership	ownership	NOUN
esutjss-259	129	32	per	per	ADP
esutjss-259	129	33	thousand	thousand	NUM
esutjss-259	129	34	of	of	ADP
esutjss-259	129	35	the	the	DET
esutjss-259	129	36	population	population	NOUN
esutjss-259	129	37	.	.	PUNCT
esutjss-259	130	1	empirically	empirically	ADV
esutjss-259	130	2	,	,	PUNCT
esutjss-259	130	3	the	the	DET
esutjss-259	130	4	study	study	NOUN
esutjss-259	130	5	applied	apply	VERB
esutjss-259	130	6	panel	panel	NOUN
esutjss-259	130	7	ols	ol	NOUN
esutjss-259	130	8	panel	panel	NOUN
esutjss-259	130	9	fixed	fix	VERB
esutjss-259	130	10	effect	effect	NOUN
esutjss-259	130	11	and	and	CCONJ
esutjss-259	130	12	panel	panel	NOUN
esutjss-259	130	13	random	random	ADJ
esutjss-259	130	14	effect	effect	NOUN
esutjss-259	130	15	estimators	estimator	NOUN
esutjss-259	130	16	to	to	PART
esutjss-259	130	17	evaluate	evaluate	VERB
esutjss-259	130	18	the	the	DET
esutjss-259	130	19	objectives	objective	NOUN
esutjss-259	130	20	of	of	ADP
esutjss-259	130	21	the	the	DET
esutjss-259	130	22	study	study	NOUN
esutjss-259	130	23	.	.	PUNCT
esutjss-259	131	1	evidence	evidence	NOUN
esutjss-259	131	2	from	from	ADP
esutjss-259	131	3	the	the	DET
esutjss-259	131	4	study	study	NOUN
esutjss-259	131	5	indicate	indicate	VERB
esutjss-259	131	6	that	that	SCONJ
esutjss-259	131	7	financial	financial	ADJ
esutjss-259	131	8	inclusion	inclusion	NOUN
esutjss-259	131	9	has	have	VERB
esutjss-259	131	10	a	a	DET
esutjss-259	131	11	negative	negative	ADJ
esutjss-259	131	12	relationship	relationship	NOUN
esutjss-259	131	13	with	with	ADP
esutjss-259	131	14	inequality	inequality	NOUN
esutjss-259	131	15	in	in	ADP
esutjss-259	131	16	west	west	PROPN
esutjss-259	131	17	africa	africa	PROPN
esutjss-259	131	18	,	,	PUNCT
esutjss-259	131	19	however	however	ADV
esutjss-259	131	20	the	the	DET
esutjss-259	131	21	effect	effect	NOUN
esutjss-259	131	22	of	of	ADP
esutjss-259	131	23	financial	financial	ADJ
esutjss-259	131	24	inclusion	inclusion	NOUN
esutjss-259	131	25	on	on	ADP
esutjss-259	131	26	inequality	inequality	NOUN
esutjss-259	131	27	reduction	reduction	NOUN
esutjss-259	131	28	was	be	AUX
esutjss-259	131	29	found	find	VERB
esutjss-259	131	30	to	to	PART
esutjss-259	131	31	be	be	AUX
esutjss-259	131	32	insignificant	insignificant	ADJ
esutjss-259	131	33	indicating	indicate	VERB
esutjss-259	131	34	that	that	SCONJ
esutjss-259	131	35	financial	financial	ADJ
esutjss-259	131	36	inclusion	inclusion	NOUN
esutjss-259	131	37	may	may	AUX
esutjss-259	131	38	have	have	VERB
esutjss-259	131	39	marginal	marginal	ADJ
esutjss-259	131	40	effect	effect	NOUN
esutjss-259	131	41	at	at	ADP
esutjss-259	131	42	best	good	ADJ
esutjss-259	131	43	on	on	ADP
esutjss-259	131	44	inequality	inequality	NOUN
esutjss-259	131	45	in	in	ADP
esutjss-259	131	46	the	the	DET
esutjss-259	131	47	west	west	PROPN
esutjss-259	131	48	africa	africa	PROPN
esutjss-259	131	49	sub	sub	PROPN
esutjss-259	131	50	region	region	PROPN
esutjss-259	131	51	.	.	PUNCT
esutjss-259	132	1	the	the	DET
esutjss-259	132	2	findings	finding	NOUN
esutjss-259	132	3	from	from	ADP
esutjss-259	132	4	the	the	DET
esutjss-259	132	5	study	study	NOUN
esutjss-259	132	6	has	have	VERB
esutjss-259	132	7	some	some	DET
esutjss-259	132	8	policy	policy	NOUN
esutjss-259	132	9	implications	implication	NOUN
esutjss-259	132	10	.	.	PUNCT
esutjss-259	133	1	firstly	firstly	ADV
esutjss-259	133	2	,	,	PUNCT
esutjss-259	133	3	the	the	DET
esutjss-259	133	4	negative	negative	ADJ
esutjss-259	133	5	but	but	CCONJ
esutjss-259	133	6	insignificant	insignificant	ADJ
esutjss-259	133	7	effect	effect	NOUN
esutjss-259	133	8	of	of	ADP
esutjss-259	133	9	financial	financial	ADJ
esutjss-259	133	10	inclusion	inclusion	NOUN
esutjss-259	133	11	on	on	ADP
esutjss-259	133	12	income	income	NOUN
esutjss-259	133	13	inequality	inequality	NOUN
esutjss-259	133	14	may	may	AUX
esutjss-259	133	15	have	have	AUX
esutjss-259	133	16	resulted	result	VERB
esutjss-259	133	17	from	from	ADP
esutjss-259	133	18	low	low	ADJ
esutjss-259	133	19	levels	level	NOUN
esutjss-259	133	20	of	of	ADP
esutjss-259	133	21	financial	financial	ADJ
esutjss-259	133	22	inclusion	inclusion	NOUN
esutjss-259	133	23	in	in	ADP
esutjss-259	133	24	west	west	PROPN
esutjss-259	133	25	africa	africa	PROPN
esutjss-259	133	26	.	.	PUNCT
esutjss-259	134	1	this	this	PRON
esutjss-259	134	2	implies	imply	VERB
esutjss-259	134	3	that	that	SCONJ
esutjss-259	134	4	at	at	ADP
esutjss-259	134	5	higher	high	ADJ
esutjss-259	134	6	levels	level	NOUN
esutjss-259	134	7	of	of	ADP
esutjss-259	134	8	financial	financial	ADJ
esutjss-259	134	9	inclusion	inclusion	NOUN
esutjss-259	134	10	,	,	PUNCT
esutjss-259	134	11	the	the	DET
esutjss-259	134	12	effect	effect	NOUN
esutjss-259	134	13	may	may	AUX
esutjss-259	134	14	become	become	VERB
esutjss-259	134	15	more	more	ADV
esutjss-259	134	16	pronounced	pronounced	ADJ
esutjss-259	134	17	.	.	PUNCT
esutjss-259	135	1	this	this	PRON
esutjss-259	135	2	calls	call	VERB
esutjss-259	135	3	for	for	ADP
esutjss-259	135	4	targeted	target	VERB
esutjss-259	135	5	financial	financial	ADJ
esutjss-259	135	6	inclusion	inclusion	NOUN
esutjss-259	135	7	drive	drive	NOUN
esutjss-259	135	8	that	that	PRON
esutjss-259	135	9	aims	aim	VERB
esutjss-259	135	10	at	at	ADP
esutjss-259	135	11	ensuring	ensure	VERB
esutjss-259	135	12	more	more	ADV
esutjss-259	135	13	poor	poor	ADJ
esutjss-259	135	14	and	and	CCONJ
esutjss-259	135	15	underserved	underserved	ADJ
esutjss-259	135	16	people	people	NOUN
esutjss-259	135	17	are	be	AUX
esutjss-259	135	18	giving	give	VERB
esutjss-259	135	19	access	access	NOUN
esutjss-259	135	20	to	to	ADP
esutjss-259	135	21	financial	financial	ADJ
esutjss-259	135	22	services	service	NOUN
esutjss-259	135	23	so	so	SCONJ
esutjss-259	135	24	as	as	SCONJ
esutjss-259	135	25	to	to	PART
esutjss-259	135	26	bridge	bridge	VERB
esutjss-259	135	27	the	the	DET
esutjss-259	135	28	income	income	NOUN
esutjss-259	135	29	gap	gap	NOUN
esutjss-259	135	30	in	in	ADP
esutjss-259	135	31	west	west	PROPN
esutjss-259	135	32	africa	africa	PROPN
esutjss-259	135	33	.	.	PUNCT
esutjss-259	136	1	references	reference	NOUN
esutjss-259	136	2	abdelghaffar	abdelghaffar	ADV
esutjss-259	136	3	,	,	PUNCT
esutjss-259	136	4	r.a	r.a	PROPN
esutjss-259	136	5	.	.	PROPN
esutjss-259	136	6	,	,	PUNCT
esutjss-259	136	7	emam	emam	PROPN
esutjss-259	136	8	,	,	PUNCT
esutjss-259	136	9	h.a	h.a	PROPN
esutjss-259	136	10	.	.	PROPN
esutjss-259	136	11	and	and	CCONJ
esutjss-259	136	12	samak	samak	PROPN
esutjss-259	136	13	,	,	PUNCT
esutjss-259	136	14	n.a	n.a	PROPN
esutjss-259	136	15	.	.	PROPN
esutjss-259	136	16	(	(	PUNCT
esutjss-259	136	17	2023	2023	NUM
esutjss-259	136	18	)	)	PUNCT
esutjss-259	136	19	,	,	PUNCT
esutjss-259	136	20	"	"	PUNCT
esutjss-259	136	21	financial	financial	ADJ
esutjss-259	136	22	inclusion	inclusion	NOUN
esutjss-259	136	23	and	and	CCONJ
esutjss-259	136	24	human	human	ADJ
esutjss-259	136	25	development	development	NOUN
esutjss-259	136	26	:	:	PUNCT
esutjss-259	136	27	is	be	AUX
esutjss-259	136	28	there	there	PRON
esutjss-259	136	29	a	a	DET
esutjss-259	136	30	nexus	nexus	NOUN
esutjss-259	136	31	?	?	PUNCT
esutjss-259	136	32	"	"	PUNCT
esutjss-259	136	33	,	,	PUNCT
esutjss-259	136	34	journal	journal	NOUN
esutjss-259	136	35	of	of	ADP
esutjss-259	136	36	humanities	humanity	NOUN
esutjss-259	136	37	and	and	CCONJ
esutjss-259	136	38	applied	apply	VERB
esutjss-259	136	39	social	social	ADJ
esutjss-259	136	40	sciences	science	NOUN
esutjss-259	136	41	,	,	PUNCT
esutjss-259	136	42	vol	vol	NOUN
esutjss-259	136	43	.	.	PROPN
esutjss-259	136	44	5	5	NUM
esutjss-259	137	1	no	no	NOUN
esutjss-259	137	2	.	.	NOUN
esutjss-259	138	1	3	3	NUM
esutjss-259	138	2	,	,	PUNCT
esutjss-259	138	3	pp	pp	ADJ
esutjss-259	138	4	.	.	PUNCT
esutjss-259	139	1	163	163	NUM
esutjss-259	139	2	-	-	SYM
esutjss-259	139	3	177	177	NUM
esutjss-259	139	4	.	.	PUNCT
esutjss-259	140	1	https://doi.org/10.1108/jhass-11-2021-0178	https://doi.org/10.1108/jhass-11-2021-0178	ADV
esutjss-259	140	2	adeleke	adeleke	ADJ
esutjss-259	140	3	,	,	PUNCT
esutjss-259	140	4	o.	o.	PROPN
esutjss-259	140	5	k.	k.	PROPN
esutjss-259	140	6	&	&	CCONJ
esutjss-259	140	7	olomola	olomola	PROPN
esutjss-259	140	8	,	,	PUNCT
esutjss-259	140	9	p.	p.	NOUN
esutjss-259	140	10	a.	a.	NOUN
esutjss-259	141	1	(	(	PUNCT
esutjss-259	141	2	2022	2022	NUM
esutjss-259	141	3	)	)	PUNCT
esutjss-259	141	4	an	an	DET
esutjss-259	141	5	empirical	empirical	ADJ
esutjss-259	141	6	investigation	investigation	NOUN
esutjss-259	141	7	of	of	ADP
esutjss-259	141	8	financial	financial	ADJ
esutjss-259	141	9	inclusion	inclusion	NOUN
esutjss-259	141	10	,	,	PUNCT
esutjss-259	141	11	poverty	poverty	NOUN
esutjss-259	141	12	and	and	CCONJ
esutjss-259	141	13	inequality	inequality	NOUN
esutjss-259	141	14	in	in	ADP
esutjss-259	141	15	nigeria	nigeria	PROPN
esutjss-259	141	16	.	.	PUNCT
esutjss-259	142	1	redeemer	redeemer	PROPN
esutjss-259	142	2	’s	’s	PART
esutjss-259	142	3	university	university	PROPN
esutjss-259	142	4	journal	journal	NOUN
esutjss-259	142	5	of	of	ADP
esutjss-259	142	6	management	management	NOUN
esutjss-259	142	7	and	and	CCONJ
esutjss-259	142	8	social	social	ADJ
esutjss-259	142	9	sciences	science	NOUN
esutjss-259	142	10	,	,	PUNCT
esutjss-259	142	11	5	5	NUM
esutjss-259	142	12	(	(	PUNCT
esutjss-259	142	13	2	2	NUM
esutjss-259	142	14	)	)	PUNCT
esutjss-259	142	15	2022	2022	NUM
esutjss-259	142	16	agyemang	agyemang	NOUN
esutjss-259	142	17	-	-	PUNCT
esutjss-259	142	18	badu	badu	NOUN
esutjss-259	142	19	,	,	PUNCT
esutjss-259	142	20	a.	a.	NOUN
esutjss-259	142	21	a.	a.	PROPN
esutjss-259	142	22	,	,	PUNCT
esutjss-259	142	23	agyei	agyei	PROPN
esutjss-259	142	24	.	.	PUNCT
esutjss-259	143	1	k.	k.	PROPN
esutjss-259	143	2	&	&	CCONJ
esutjss-259	143	3	duah	duah	PROPN
esutjss-259	143	4	,	,	PUNCT
esutjss-259	143	5	e.	e.	PROPN
esutjss-259	143	6	k.	k.	PROPN
esutjss-259	143	7	(	(	PUNCT
esutjss-259	143	8	2018	2018	NUM
esutjss-259	143	9	)	)	PUNCT
esutjss-259	143	10	.	.	PUNCT
esutjss-259	144	1	financial	financial	ADJ
esutjss-259	144	2	inclusion	inclusion	NOUN
esutjss-259	144	3	,	,	PUNCT
esutjss-259	144	4	poverty	poverty	NOUN
esutjss-259	144	5	and	and	CCONJ
esutjss-259	144	6	income	income	NOUN
esutjss-259	144	7	inequality	inequality	NOUN
esutjss-259	144	8	.	.	PUNCT
esutjss-259	145	1	africa	africa	PROPN
esutjss-259	145	2	,	,	PUNCT
esutjss-259	145	3	spiritan	spiritan	PROPN
esutjss-259	145	4	international	international	ADJ
esutjss-259	145	5	journal	journal	NOUN
esutjss-259	145	6	of	of	ADP
esutjss-259	145	7	poverty	poverty	NOUN
esutjss-259	145	8	studies	study	NOUN
esutjss-259	145	9	,	,	PUNCT
esutjss-259	145	10	2	2	NUM
esutjss-259	145	11	(	(	PUNCT
esutjss-259	145	12	2	2	NUM
esutjss-259	145	13	)	)	PUNCT
esutjss-259	145	14	.	.	PUNCT
esutjss-259	146	1	ajide	ajide	ADJ
esutjss-259	146	2	,	,	PUNCT
esutjss-259	146	3	k	k	PROPN
esutjss-259	146	4	,	,	PUNCT
esutjss-259	146	5	b.	b.	PROPN
esutjss-259	146	6	,	,	PUNCT
esutjss-259	146	7	(	(	PUNCT
esutjss-259	146	8	2017	2017	NUM
esutjss-259	146	9	)	)	PUNCT
esutjss-259	146	10	.	.	PUNCT
esutjss-259	147	1	determinants	determinant	NOUN
esutjss-259	147	2	of	of	ADP
esutjss-259	147	3	financial	financial	ADJ
esutjss-259	147	4	inclusion	inclusion	NOUN
esutjss-259	147	5	in	in	ADP
esutjss-259	147	6	sub	sub	ADJ
esutjss-259	147	7	-	-	ADJ
esutjss-259	147	8	saharan	saharan	ADJ
esutjss-259	147	9	africa	africa	PROPN
esutjss-259	147	10	countries	country	NOUN
esutjss-259	147	11	:	:	PUNCT
esutjss-259	147	12	does	do	VERB
esutjss-259	147	13	institutional	institutional	ADJ
esutjss-259	147	14	infrastructure	infrastructure	NOUN
esutjss-259	147	15	matter	matter	NOUN
esutjss-259	147	16	?	?	PUNCT
esutjss-259	148	1	cbn	cbn	PROPN
esutjss-259	148	2	journal	journal	PROPN
esutjss-259	148	3	of	of	ADP
esutjss-259	148	4	applied	apply	VERB
esutjss-259	148	5	statistics	statistic	NOUN
esutjss-259	148	6	.	.	PUNCT
esutjss-259	149	1	8	8	NUM
esutjss-259	149	2	(	(	PUNCT
esutjss-259	149	3	2	2	NUM
esutjss-259	149	4	)	)	PUNCT
esutjss-259	149	5	69	69	NUM
esutjss-259	149	6	hallum	hallum	NOUN
esutjss-259	149	7	,	,	PUNCT
esutjss-259	149	8	c	c	PROPN
esutjss-259	149	9	&	&	CCONJ
esutjss-259	149	10	kwesi	kwesi	PROPN
esutjss-259	149	11	w.	w.	PROPN
esutjss-259	149	12	obeng	obeng	PROPN
esutjss-259	149	13	,	,	PUNCT
esutjss-259	149	14	k.	k.	PROPN
esutjss-259	149	15	w	w	PROPN
esutjss-259	149	16	(	(	PUNCT
esutjss-259	149	17	2019	2019	NUM
esutjss-259	149	18	)	)	PUNCT
esutjss-259	149	19	the	the	DET
esutjss-259	149	20	west	west	PROPN
esutjss-259	149	21	africa	africa	PROPN
esutjss-259	149	22	inequality	inequality	PROPN
esutjss-259	149	23	crisis	crisis	PROPN
esutjss-259	149	24	.	.	PUNCT
esutjss-259	150	1	oxfam	oxfam	PROPN
esutjss-259	150	2	briefing	briefing	PROPN
esutjss-259	150	3	paper	paper	NOUN
esutjss-259	150	4	,	,	PUNCT
esutjss-259	150	5	july	july	PROPN
esutjss-259	150	6	2019	2019	NUM
esutjss-259	150	7	.	.	PUNCT
esutjss-259	151	1	retrieved	retrieve	VERB
esutjss-259	151	2	at	at	ADP
esutjss-259	151	3	;	;	PUNCT
esutjss-259	151	4	https://oxfamilibrary.openrepository.com/bitstream/handle/10546/620837/bp-west-africainequality-crisis-090719-en.pdf	https://oxfamilibrary.openrepository.com/bitstream/handle/10546/620837/bp-west-africainequality-crisis-090719-en.pdf	PROPN
esutjss-259	151	5	huang	huang	PROPN
esutjss-259	151	6	,	,	PUNCT
esutjss-259	151	7	w.	w.	PROPN
esutjss-259	151	8	,	,	PUNCT
esutjss-259	151	9	gu	gu	PROPN
esutjss-259	151	10	,	,	PUNCT
esutjss-259	151	11	x	x	NOUN
esutjss-259	151	12	,	,	PUNCT
esutjss-259	151	13	&	&	CCONJ
esutjss-259	151	14	lin	lin	PROPN
esutjss-259	151	15	,	,	PUNCT
esutjss-259	151	16	l.(2023	l.(2023	PROPN
esutjss-259	151	17	)	)	PUNCT
esutjss-259	151	18	.	.	PUNCT
esutjss-259	152	1	do	do	VERB
esutjss-259	152	2	finanancial	finanancial	ADJ
esutjss-259	152	3	inclusion	inclusion	NOUN
esutjss-259	152	4	and	and	CCONJ
esutjss-259	152	5	income	income	NOUN
esutjss-259	152	6	inequality	inequality	NOUN
esutjss-259	152	7	matter	matter	NOUN
esutjss-259	152	8	for	for	ADP
esutjss-259	152	9	human	human	ADJ
esutjss-259	152	10	capital	capital	NOUN
esutjss-259	152	11	.	.	PUNCT
esutjss-259	153	1	evidence	evidence	NOUN
esutjss-259	153	2	freom	freom	PROPN
esutjss-259	153	3	sub	sub	NOUN
esutjss-259	153	4	sahara	sahara	ADJ
esutjss-259	153	5	african	african	ADJ
esutjss-259	153	6	countries	country	NOUN
esutjss-259	153	7	.	.	PUNCT
esutjss-259	154	1	borsa	borsa	PROPN
esutjss-259	154	2	instanbul	instanbul	PROPN
esutjss-259	154	3	review	review	VERB
esutjss-259	154	4	23	23	NUM
esutjss-259	154	5	-	-	SYM
esutjss-259	154	6	1	1	NUM
esutjss-259	154	7	.	.	PUNCT
esutjss-259	155	1	pp22	pp22	PROPN
esutjss-259	155	2	-	-	PUNCT
esutjss-259	155	3	33	33	NUM
esutjss-259	155	4	.	.	PUNCT
esutjss-259	156	1	khan	khan	PROPN
esutjss-259	156	2	,	,	PUNCT
esutjss-259	156	3	i.	i.	PROPN
esutjss-259	156	4	,	,	PUNCT
esutjss-259	156	5	khan	khan	PROPN
esutjss-259	156	6	,	,	PUNCT
esutjss-259	156	7	i.	i.	PROPN
esutjss-259	156	8	,	,	PUNCT
esutjss-259	156	9	&	&	CCONJ
esutjss-259	156	10	sayal	sayal	PROPN
esutjss-259	156	11	,	,	PUNCT
esutjss-259	156	12	a.	a.	PROPN
esutjss-259	156	13	&	&	CCONJ
esutjss-259	156	14	khan	khan	PROPN
esutjss-259	156	15	,	,	PUNCT
esutjss-259	156	16	m.z	m.z	PROPN
esutjss-259	156	17	(	(	PUNCT
esutjss-259	156	18	2021	2021	NUM
esutjss-259	156	19	)	)	PUNCT
esutjss-259	156	20	"	"	PUNCT
esutjss-259	156	21	does	do	AUX
esutjss-259	156	22	financial	financial	ADJ
esutjss-259	156	23	inclusion	inclusion	NOUN
esutjss-259	156	24	induce	induce	VERB
esutjss-259	156	25	poverty	poverty	NOUN
esutjss-259	156	26	,	,	PUNCT
esutjss-259	156	27	income	income	NOUN
esutjss-259	156	28	inequality	inequality	NOUN
esutjss-259	156	29	,	,	PUNCT
esutjss-259	156	30	and	and	CCONJ
esutjss-259	156	31	financial	financial	ADJ
esutjss-259	156	32	stability	stability	NOUN
esutjss-259	156	33	:	:	PUNCT
esutjss-259	156	34	empirical	empirical	ADJ
esutjss-259	156	35	evidence	evidence	NOUN
esutjss-259	156	36	from	from	ADP
esutjss-259	156	37	the	the	DET
esutjss-259	156	38	54	54	NUM
esutjss-259	156	39	african	african	ADJ
esutjss-259	156	40	countries	country	NOUN
esutjss-259	156	41	?	?	PUNCT
esutjss-259	156	42	,	,	PUNCT
esutjss-259	156	43	"	"	PUNCT
esutjss-259	156	44	journal	journal	NOUN
esutjss-259	156	45	of	of	ADP
esutjss-259	156	46	economic	economic	ADJ
esutjss-259	156	47	studies	study	NOUN
esutjss-259	156	48	,	,	PUNCT
esutjss-259	156	49	emerald	emerald	NOUN
esutjss-259	156	50	group	group	PROPN
esutjss-259	156	51	publishing	publishing	NOUN
esutjss-259	156	52	limited	limit	VERB
esutjss-259	156	53	,	,	PUNCT
esutjss-259	156	54	vol	vol	NOUN
esutjss-259	156	55	.	.	PUNCT
esutjss-259	157	1	49(2	49(2	NUM
esutjss-259	157	2	)	)	PUNCT
esutjss-259	157	3	,	,	PUNCT
esutjss-259	157	4	pages	page	NOUN
esutjss-259	157	5	303	303	NUM
esutjss-259	157	6	-	-	SYM
esutjss-259	157	7	314	314	NUM
esutjss-259	157	8	,	,	PUNCT
esutjss-259	157	9	march	march	PROPN
esutjss-259	157	10	.	.	PUNCT
esutjss-259	158	1	neaime	neaime	PROPN
esutjss-259	158	2	,	,	PUNCT
esutjss-259	158	3	s.	s.	PROPN
esutjss-259	158	4	,	,	PUNCT
esutjss-259	158	5	&	&	CCONJ
esutjss-259	158	6	gaysset	gaysset	PROPN
esutjss-259	158	7	,	,	PUNCT
esutjss-259	158	8	i.	i.	PROPN
esutjss-259	158	9	(	(	PUNCT
esutjss-259	158	10	2018	2018	NUM
esutjss-259	158	11	)	)	PUNCT
esutjss-259	158	12	.	.	PUNCT
esutjss-259	159	1	financial	financial	ADJ
esutjss-259	159	2	inclusion	inclusion	NOUN
esutjss-259	159	3	and	and	CCONJ
esutjss-259	159	4	stability	stability	NOUN
esutjss-259	159	5	in	in	ADP
esutjss-259	159	6	mena	mena	PROPN
esutjss-259	159	7	:	:	PUNCT
esutjss-259	159	8	evidence	evidence	NOUN
esutjss-259	159	9	from	from	ADP
esutjss-259	159	10	poverty	poverty	NOUN
esutjss-259	159	11	and	and	CCONJ
esutjss-259	159	12	inequality	inequality	NOUN
esutjss-259	159	13	.	.	PUNCT
esutjss-259	160	1	finance	finance	NOUN
esutjss-259	160	2	research	research	NOUN
esutjss-259	160	3	letters	letter	NOUN
esutjss-259	160	4	,	,	PUNCT
esutjss-259	160	5	24	24	NUM
esutjss-259	160	6	,	,	PUNCT
esutjss-259	160	7	199–220	199–220	NUM
esutjss-259	160	8	.	.	PUNCT
esutjss-259	160	9	https://www.emerald.com/insight/search?q=radwa%20ahmed%20abdelghaffar	https://www.emerald.com/insight/search?q=radwa%20ahmed%20abdelghaffar	PROPN
esutjss-259	160	10	https://www.emerald.com/insight/search?q=hebatalla%20atef%20emam	https://www.emerald.com/insight/search?q=hebatalla%20atef%20emam	PROPN
esutjss-259	160	11	https://www.emerald.com/insight/search?q=nagwa%20abdallah%20samak	https://www.emerald.com/insight/search?q=nagwa%20abdallah%20samak	NOUN
esutjss-259	160	12	https://www.emerald.com/insight/publication/issn/2632-279x	https://www.emerald.com/insight/publication/issn/2632-279x	PROPN
esutjss-259	160	13	https://doi.org/10.1108/jhass-11-2021-0178	https://doi.org/10.1108/jhass-11-2021-0178	ADV
esutjss-259	160	14	https://oxfamilibrary.openrepository.com/bitstream/handle/10546/620837/bp-west-africa-inequality-crisis-090719-en.pdf	https://oxfamilibrary.openrepository.com/bitstream/handle/10546/620837/bp-west-africa-inequality-crisis-090719-en.pdf	PROPN
esutjss-259	160	15	https://oxfamilibrary.openrepository.com/bitstream/handle/10546/620837/bp-west-africa-inequality-crisis-090719-en.pdf	https://oxfamilibrary.openrepository.com/bitstream/handle/10546/620837/bp-west-africa-inequality-crisis-090719-en.pdf	PROPN
esutjss-259	160	16	https://ideas.repec.org/a/eme/jespps/jes-07-2020-0317.html	https://ideas.repec.org/a/eme/jespps/jes-07-2020-0317.html	PROPN
esutjss-259	160	17	https://ideas.repec.org/a/eme/jespps/jes-07-2020-0317.html	https://ideas.repec.org/a/eme/jespps/jes-07-2020-0317.html	PROPN
esutjss-259	160	18	https://ideas.repec.org/s/eme/jespps.html	https://ideas.repec.org/s/eme/jespps.html	NOUN
esutjss-259	160	19	https://ideas.repec.org/s/eme/jespps.html	https://ideas.repec.org/s/eme/jespps.html	PROPN
esutjss-259	160	20	73	73	NUM
esutjss-259	160	21	okafor	okafor	PROPN
esutjss-259	160	22	,	,	PUNCT
esutjss-259	160	23	v.i	v.i	PROPN
esutjss-259	160	24	.	.	PROPN
esutjss-259	160	25	,	,	PUNCT
esutjss-259	160	26	olurinola	olurinola	PROPN
esutjss-259	160	27	,	,	PUNCT
esutjss-259	160	28	i.o	i.o	PROPN
esutjss-259	160	29	.	.	PROPN
esutjss-259	160	30	,	,	PUNCT
esutjss-259	160	31	bowale	bowale	PROPN
esutjss-259	160	32	,	,	PUNCT
esutjss-259	160	33	e.	e.	PROPN
esutjss-259	160	34	&	&	CCONJ
esutjss-259	160	35	osabohien	osabohien	PROPN
esutjss-259	160	36	(	(	PUNCT
esutjss-259	160	37	2023	2023	NUM
esutjss-259	160	38	)	)	PUNCT
esutjss-259	160	39	.	.	PUNCT
esutjss-259	161	1	financial	financial	ADJ
esutjss-259	161	2	development	development	NOUN
esutjss-259	161	3	and	and	CCONJ
esutjss-259	161	4	income	income	NOUN
esutjss-259	161	5	inequality	inequality	NOUN
esutjss-259	161	6	in	in	ADP
esutjss-259	161	7	africa	africa	PROPN
esutjss-259	161	8	.	.	PUNCT
esutjss-259	162	1	humanities	humanity	NOUN
esutjss-259	162	2	and	and	CCONJ
esutjss-259	162	3	social	social	ADJ
esutjss-259	162	4	sciences	science	NOUN
esutjss-259	162	5	communications	communication	NOUN
esutjss-259	162	6	(	(	PUNCT
esutjss-259	162	7	2023	2023	NUM
esutjss-259	162	8	)	)	PUNCT
esutjss-259	162	9	10:305	10:305	NUM
esutjss-259	163	1	|	|	ADV
esutjss-259	163	2	https://doi.org/10.1057/s41599-023-01810-y	https://doi.org/10.1057/s41599-023-01810-y	ADV
esutjss-259	163	3	omar	omar	PROPN
esutjss-259	163	4	,	,	PUNCT
esutjss-259	163	5	m.	m.	NOUN
esutjss-259	163	6	a	a	PROPN
esutjss-259	163	7	&	&	CCONJ
esutjss-259	163	8	inaba	inaba	PROPN
esutjss-259	163	9	,	,	PUNCT
esutjss-259	163	10	k.	k.	PROPN
esutjss-259	164	1	(	(	PUNCT
esutjss-259	164	2	2020)does	2020)does	NUM
esutjss-259	164	3	financial	financial	ADJ
esutjss-259	164	4	inclusion	inclusion	NOUN
esutjss-259	164	5	reduce	reduce	VERB
esutjss-259	164	6	poverty	poverty	NOUN
esutjss-259	164	7	and	and	CCONJ
esutjss-259	164	8	income	income	NOUN
esutjss-259	164	9	inequality	inequality	NOUN
esutjss-259	164	10	in	in	ADP
esutjss-259	164	11	developing	develop	VERB
esutjss-259	164	12	countries	country	NOUN
esutjss-259	164	13	?	?	PUNCT
esutjss-259	165	1	a	a	DET
esutjss-259	165	2	panel	panel	NOUN
esutjss-259	165	3	data	data	VERB
esutjss-259	165	4	analysis	analysis	NOUN
esutjss-259	165	5	.	.	PUNCT
esutjss-259	166	1	economic	economic	ADJ
esutjss-259	166	2	structures	structure	NOUN
esutjss-259	166	3	(	(	PUNCT
esutjss-259	166	4	2020	2020	NUM
esutjss-259	166	5	)	)	PUNCT
esutjss-259	167	1	9:37	9:37	NUM
esutjss-259	167	2	https://doi.org/10.1186/s40008-020-00214-4	https://doi.org/10.1186/s40008-020-00214-4	NUM
esutjss-259	167	3	omokanmi	omokanmi	PROPN
esutjss-259	167	4	,	,	PUNCT
esutjss-259	167	5	o.j	o.j	PROPN
esutjss-259	167	6	.	.	PROPN
esutjss-259	167	7	&	&	CCONJ
esutjss-259	167	8	ogunleye	ogunleye	PROPN
esutjss-259	167	9	,	,	PUNCT
esutjss-259	167	10	e.o	e.o	PROPN
esutjss-259	167	11	.	.	PROPN
esutjss-259	167	12	(	(	PUNCT
esutjss-259	167	13	2020	2020	NUM
esutjss-259	167	14	)	)	PUNCT
esutjss-259	167	15	financial	financial	ADJ
esutjss-259	167	16	inclusion	inclusion	NOUN
esutjss-259	167	17	and	and	CCONJ
esutjss-259	167	18	human	human	ADJ
esutjss-259	167	19	development	development	NOUN
esutjss-259	167	20	in	in	ADP
esutjss-259	167	21	subsaharan	subsaharan	PROPN
esutjss-259	167	22	africa	africa	PROPN
esutjss-259	167	23	journal	journal	PROPN
esutjss-259	167	24	of	of	ADP
esutjss-259	167	25	economics	economic	NOUN
esutjss-259	167	26	and	and	CCONJ
esutjss-259	167	27	finance	finance	NOUN
esutjss-259	167	28	.	.	PUNCT
esutjss-259	168	1	11	11	NUM
esutjss-259	168	2	(	(	PUNCT
esutjss-259	168	3	1	1	NUM
esutjss-259	168	4	)	)	PUNCT
esutjss-259	168	5	,	,	PUNCT
esutjss-259	168	6	pp	pp	ADP
esutjss-259	168	7	01	01	NUM
esutjss-259	168	8	-	-	SYM
esutjss-259	168	9	09	09	NUM
esutjss-259	168	10	www.iosrjournals.org	www.iosrjournals.org	PROPN
esutjss-259	168	11	doi	doi	NOUN
esutjss-259	168	12	:	:	PUNCT
esutjss-259	168	13	10.9790/5933	10.9790/5933	NUM
esutjss-259	168	14	-	-	SYM
esutjss-259	168	15	1101020109	1101020109	NUM
esutjss-259	168	16	www.iosrjournals.org	www.iosrjournals.org	ADJ
esutjss-259	168	17	1	1	NUM
esutjss-259	168	18	|	|	NOUN
esutjss-259	168	19	page	page	NOUN
esutjss-259	168	20	park	park	NOUN
esutjss-259	168	21	c.	c.	PROPN
esutjss-259	168	22	and	and	CCONJ
esutjss-259	168	23	mercedo	mercedo	PROPN
esutjss-259	168	24	,	,	PUNCT
esutjss-259	168	25	r.v	r.v	PROPN
esutjss-259	168	26	(	(	PUNCT
esutjss-259	168	27	2015).financial	2015).financial	NUM
esutjss-259	168	28	inclusion	inclusion	NOUN
esutjss-259	168	29	,	,	PUNCT
esutjss-259	168	30	poverty	poverty	NOUN
esutjss-259	168	31	,	,	PUNCT
esutjss-259	168	32	and	and	CCONJ
esutjss-259	168	33	income	income	NOUN
esutjss-259	168	34	inequality	inequality	NOUN
esutjss-259	168	35	in	in	ADP
esutjss-259	168	36	developing	develop	VERB
esutjss-259	168	37	asia	asia	PROPN
esutjss-259	168	38	.	.	PUNCT
esutjss-259	169	1	adb	adb	PROPN
esutjss-259	169	2	economics	economic	NOUN
esutjss-259	169	3	working	working	PROPN
esutjss-259	169	4	paper	paper	NOUN
esutjss-259	169	5	series	series	NOUN
esutjss-259	169	6	.	.	PUNCT
esutjss-259	170	1	no	no	INTJ
esutjss-259	170	2	.	.	NOUN
esutjss-259	171	1	426	426	NUM
esutjss-259	171	2	|	|	ADV
esutjss-259	171	3	2015	2015	NUM
esutjss-259	171	4	park	park	NOUN
esutjss-259	171	5	,	,	PUNCT
esutjss-259	171	6	c.	c.	PROPN
esutjss-259	171	7	y.	y.	PROPN
esutjss-259	171	8	,	,	PUNCT
esutjss-259	171	9	&	&	CCONJ
esutjss-259	171	10	mercado	mercado	PROPN
esutjss-259	171	11	,	,	PUNCT
esutjss-259	171	12	r.	r.	PROPN
esutjss-259	171	13	,	,	PUNCT
esutjss-259	171	14	jr	jr	PROPN
esutjss-259	171	15	.	.	PROPN
esutjss-259	171	16	(	(	PUNCT
esutjss-259	171	17	2018	2018	NUM
esutjss-259	171	18	)	)	PUNCT
esutjss-259	171	19	.	.	PUNCT
esutjss-259	172	1	financial	financial	ADJ
esutjss-259	172	2	inclusion	inclusion	NOUN
esutjss-259	172	3	,	,	PUNCT
esutjss-259	172	4	poverty	poverty	NOUN
esutjss-259	172	5	,	,	PUNCT
esutjss-259	172	6	and	and	CCONJ
esutjss-259	172	7	income	income	NOUN
esutjss-259	172	8	inequality	inequality	NOUN
esutjss-259	172	9	.	.	PUNCT
esutjss-259	173	1	the	the	DET
esutjss-259	173	2	singapore	singapore	PROPN
esutjss-259	173	3	economic	economic	PROPN
esutjss-259	173	4	review	review	PROPN
esutjss-259	173	5	,	,	PUNCT
esutjss-259	173	6	63(01	63(01	NUM
esutjss-259	173	7	)	)	PUNCT
esutjss-259	173	8	,	,	PUNCT
esutjss-259	173	9	185–206	185–206	NUM
esutjss-259	173	10	.	.	PUNCT
esutjss-259	174	1	segning	segning	PROPN
esutjss-259	174	2	,	,	PUNCT
esutjss-259	174	3	a.	a.	NOUN
esutjss-259	174	4	,	,	PUNCT
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esutjss-259	174	6	,	,	PUNCT
esutjss-259	174	7	f.	f.	PROPN
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esutjss-259	174	9	&	&	CCONJ
esutjss-259	174	10	noupie	noupie	PROPN
esutjss-259	174	11	(	(	PUNCT
esutjss-259	174	12	2023	2023	NUM
esutjss-259	174	13	)	)	PUNCT
esutjss-259	174	14	financial	financial	ADJ
esutjss-259	174	15	inclusion	inclusion	NOUN
esutjss-259	174	16	and	and	CCONJ
esutjss-259	174	17	income	income	NOUN
esutjss-259	174	18	inequality	inequality	NOUN
esutjss-259	174	19	in	in	ADP
esutjss-259	174	20	sub	sub	ADJ
esutjss-259	174	21	-	-	ADJ
esutjss-259	174	22	saharan	saharan	ADJ
esutjss-259	174	23	africa	africa	PROPN
esutjss-259	174	24	:	:	PUNCT
esutjss-259	174	25	taking	take	VERB
esutjss-259	174	26	socio	socio	NOUN
esutjss-259	174	27	-	-	PUNCT
esutjss-259	174	28	cultural	cultural	ADJ
esutjss-259	174	29	particularities	particularity	NOUN
esutjss-259	174	30	into	into	ADP
esutjss-259	174	31	account	account	NOUN
esutjss-259	174	32	.	.	PUNCT
esutjss-259	175	1	journal	journal	NOUN
esutjss-259	175	2	of	of	ADP
esutjss-259	175	3	the	the	DET
esutjss-259	175	4	knowledge	knowledge	NOUN
esutjss-259	175	5	economy	economy	NOUN
esutjss-259	175	6	.	.	PUNCT
esutjss-259	176	1	available	available	ADJ
esutjss-259	176	2	at	at	ADP
esutjss-259	176	3	:	:	PUNCT
esutjss-259	176	4	https://doi.org/10.1007/s13132-023-01207-x	https://doi.org/10.1007/s13132-023-01207-x	NOUN
esutjss-259	176	5	.	.	PUNCT
esutjss-259	177	1	sethy	sethy	ADJ
esutjss-259	177	2	,	,	PUNCT
esutjss-259	177	3	s.	s.	PROPN
esutjss-259	177	4	k.	k.	PROPN
esutjss-259	177	5	(	(	PUNCT
esutjss-259	177	6	2016	2016	NUM
esutjss-259	177	7	)	)	PUNCT
esutjss-259	177	8	.	.	PUNCT
esutjss-259	178	1	developing	develop	VERB
esutjss-259	178	2	a	a	DET
esutjss-259	178	3	fnancial	fnancial	ADJ
esutjss-259	178	4	inclusion	inclusion	NOUN
esutjss-259	178	5	index	index	NOUN
esutjss-259	178	6	and	and	CCONJ
esutjss-259	178	7	inclusive	inclusive	ADJ
esutjss-259	178	8	growth	growth	NOUN
esutjss-259	178	9	in	in	ADP
esutjss-259	178	10	india	india	PROPN
esutjss-259	178	11	.	.	PUNCT
esutjss-259	179	1	theoretical	theoretical	ADJ
esutjss-259	179	2	and	and	CCONJ
esutjss-259	179	3	applied	apply	VERB
esutjss-259	179	4	economics	economic	NOUN
esutjss-259	179	5	,	,	PUNCT
esutjss-259	179	6	23(2	23(2	NOUN
esutjss-259	179	7	)	)	PUNCT
esutjss-259	179	8	,	,	PUNCT
esutjss-259	179	9	607	607	NUM
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esutjss-259	179	11	,	,	PUNCT
esutjss-259	179	12	r.	r.	PROPN
esutjss-259	179	13	a.	a.	PROPN
esutjss-259	179	14	d.	d.	PROPN
esutjss-259	179	15	i.	i.	PROPN
esutjss-259	179	16	t.	t.	PROPN
esutjss-259	179	17	y.	y.	PROPN
esutjss-259	179	18	a.	a.	PROPN
esutjss-259	179	19	,	,	PUNCT
esutjss-259	179	20	&	&	CCONJ
esutjss-259	179	21	ibrahim	ibrahim	PROPN
esutjss-259	179	22	,	,	PUNCT
esutjss-259	179	23	m.	m.	PROPN
esutjss-259	179	24	h.	h.	PROPN
esutjss-259	179	25	(	(	PUNCT
esutjss-259	179	26	2018	2018	NUM
esutjss-259	179	27	)	)	PUNCT
esutjss-259	179	28	.	.	PUNCT
esutjss-259	180	1	financial	financial	ADJ
esutjss-259	180	2	access	access	NOUN
esutjss-259	180	3	and	and	CCONJ
esutjss-259	180	4	inequality	inequality	NOUN
esutjss-259	180	5	:	:	PUNCT
esutjss-259	180	6	a	a	DET
esutjss-259	180	7	quantile	quantile	ADJ
esutjss-259	180	8	assessment	assessment	NOUN
esutjss-259	180	9	.	.	PUNCT
esutjss-259	181	1	international	international	ADJ
esutjss-259	181	2	journal	journal	PROPN
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esutjss-259	181	4	economics	economic	NOUN
esutjss-259	181	5	and	and	CCONJ
esutjss-259	181	6	management	management	NOUN
esutjss-259	181	7	,	,	PUNCT
esutjss-259	181	8	12(2	12(2	NUM
esutjss-259	181	9	)	)	PUNCT
esutjss-259	181	10	,	,	PUNCT
esutjss-259	181	11	551–557	551–557	NUM
esutjss-259	181	12	.	.	PUNCT
esutjss-259	182	1	un	un	PROPN
esutjss-259	182	2	desa	desa	PROPN
esutjss-259	182	3	databases	database	NOUN
esutjss-259	182	4	|	|	ADV
esutjss-259	182	5	united	united	PROPN
esutjss-259	182	6	nations	nations	PROPN
esutjss-259	182	7	https://www.un.org/en/desa/products/un-desa-databases	https://www.un.org/en/desa/products/un-desa-database	VERB
esutjss-259	182	8	uneca	uneca	NOUN
esutjss-259	182	9	(	(	PUNCT
esutjss-259	182	10	2023).forging	2023).forge	VERB
esutjss-259	182	11	a	a	DET
esutjss-259	182	12	social	social	ADJ
esutjss-259	182	13	contract	contract	NOUN
esutjss-259	182	14	for	for	ADP
esutjss-259	182	15	reducing	reduce	VERB
esutjss-259	182	16	poverty	poverty	NOUN
esutjss-259	182	17	and	and	CCONJ
esutjss-259	182	18	inequality	inequality	NOUN
esutjss-259	182	19	in	in	ADP
esutjss-259	182	20	africa	africa	PROPN
esutjss-259	182	21	.	.	PUNCT
esutjss-259	183	1	available	available	ADJ
esutjss-259	183	2	at	at	ADP
esutjss-259	183	3	:	:	PUNCT
esutjss-259	183	4	https://www.uneca.org/stories/%28blog%29-forging-a-social-contract-for-reducing-povertyand-inequality-in-africa	https://www.uneca.org/stories/%28blog%29-forging-a-social-contract-for-reducing-povertyand-inequality-in-africa	PROPN
esutjss-259	183	5	wong	wong	PROPN
esutjss-259	183	6	,	,	PUNCT
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esutjss-259	183	8	.	.	PROPN
esutjss-259	183	9	,	,	PUNCT
esutjss-259	183	10	badeeb	badeeb	NOUN
esutjss-259	183	11	,	,	PUNCT
esutjss-259	183	12	r.a	r.a	PROPN
esutjss-259	183	13	.	.	PROPN
esutjss-259	183	14	&	&	CCONJ
esutjss-259	183	15	philip	philip	PROPN
esutjss-259	183	16	,	,	PUNCT
esutjss-259	183	17	a.p	a.p	PROPN
esutjss-259	183	18	.	.	PROPN
esutjss-259	183	19	(	(	PUNCT
esutjss-259	183	20	2023	2023	NUM
esutjss-259	183	21	)	)	PUNCT
esutjss-259	183	22	financial	financial	ADJ
esutjss-259	183	23	inclusion	inclusion	NOUN
esutjss-259	183	24	,	,	PUNCT
esutjss-259	183	25	poverty	poverty	NOUN
esutjss-259	183	26	,	,	PUNCT
esutjss-259	183	27	and	and	CCONJ
esutjss-259	183	28	income	income	NOUN
esutjss-259	183	29	inequality	inequality	NOUN
esutjss-259	183	30	in	in	ADP
esutjss-259	183	31	asean	asean	ADJ
esutjss-259	183	32	countries	country	NOUN
esutjss-259	183	33	:	:	PUNCT
esutjss-259	183	34	does	do	AUX
esutjss-259	183	35	financial	financial	ADJ
esutjss-259	183	36	innovation	innovation	NOUN
esutjss-259	183	37	matter	matter	NOUN
esutjss-259	183	38	?	?	PUNCT
esutjss-259	183	39	.	.	PUNCT
esutjss-259	184	1	soc	soc	PROPN
esutjss-259	184	2	indic	indic	ADJ
esutjss-259	184	3	res	re	NOUN
esutjss-259	184	4	(	(	PUNCT
esutjss-259	184	5	2023	2023	NUM
esutjss-259	184	6	)	)	PUNCT
esutjss-259	184	7	.	.	PUNCT
esutjss-259	185	1	https://doi.org/10.1007/s11205-023-03169-8	https://doi.org/10.1007/s11205-023-03169-8	PROPN
esutjss-259	185	2	world	world	PROPN
esutjss-259	185	3	bank	bank	PROPN
esutjss-259	185	4	global	global	PROPN
esutjss-259	185	5	financial	financial	PROPN
esutjss-259	185	6	development	development	PROPN
esutjss-259	185	7	database	database	NOUN
esutjss-259	185	8	(	(	PUNCT
esutjss-259	185	9	2022	2022	NUM
esutjss-259	185	10	)	)	PUNCT
esutjss-259	185	11	.	.	PUNCT
esutjss-259	186	1	retrieved	retrieve	VERB
esutjss-259	186	2	at	at	ADP
esutjss-259	186	3	:	:	PUNCT
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esutjss-259	186	5	world	world	PROPN
esutjss-259	186	6	bank	bank	PROPN
esutjss-259	186	7	,	,	PUNCT
esutjss-259	186	8	world	world	NOUN
esutjss-259	186	9	development	development	PROPN
esutjss-259	186	10	indicator	indicator	PROPN
esutjss-259	186	11	2022	2022	NUM
esutjss-259	186	12	.	.	PUNCT
esutjss-259	187	1	available	available	ADJ
esutjss-259	187	2	at	at	ADP
esutjss-259	187	3	:	:	PUNCT
esutjss-259	187	4	https://datahelpdesk.worldbank.org/knowledgebase/articles/889464wbopendata	https://datahelpdesk.worldbank.org/knowledgebase/articles/889464wbopendata	ADJ
esutjss-259	187	5	-statamodule	-statamodule	NOUN
esutjss-259	187	6	-	-	PUNCT
esutjss-259	187	7	to	to	ADP
esutjss-259	187	8	-	-	PUNCT
esutjss-259	187	9	access	access	NOUN
esutjss-259	187	10	-	-	PUNCT
esutjss-259	187	11	world	world	NOUN
esutjss-259	187	12	-	-	PUNCT
esutjss-259	187	13	bank	bank	NOUN
esutjss-259	187	14	-	-	PUNCT
esutjss-259	187	15	data	data	PROPN
esutjss-259	187	16	zia	zia	PROPN
esutjss-259	187	17	,	,	PUNCT
esutjss-259	187	18	i.	i.	PROPN
esutjss-259	187	19	z.	z.	PROPN
esutjss-259	187	20	,	,	PUNCT
esutjss-259	187	21	&	&	CCONJ
esutjss-259	187	22	prasetyo	prasetyo	NOUN
esutjss-259	187	23	,	,	PUNCT
esutjss-259	187	24	p.	p.	PROPN
esutjss-259	187	25	e.	e.	PROPN
esutjss-259	188	1	(	(	PUNCT
esutjss-259	188	2	2018	2018	NUM
esutjss-259	188	3	)	)	PUNCT
esutjss-259	188	4	.	.	PUNCT
esutjss-259	189	1	analysis	analysis	NOUN
esutjss-259	189	2	of	of	ADP
esutjss-259	189	3	financial	financial	ADJ
esutjss-259	189	4	inclusion	inclusion	NOUN
esutjss-259	189	5	toward	toward	ADP
esutjss-259	189	6	poverty	poverty	NOUN
esutjss-259	189	7	and	and	CCONJ
esutjss-259	189	8	income	income	NOUN
esutjss-259	189	9	inequality	inequality	NOUN
esutjss-259	189	10	.	.	PUNCT
esutjss-259	190	1	jurnal	jurnal	ADJ
esutjss-259	190	2	ekonomi	ekonomi	PROPN
esutjss-259	190	3	pembangunan	pembangunan	PROPN
esutjss-259	190	4	:	:	PUNCT
esutjss-259	190	5	kajian	kajian	PROPN
esutjss-259	190	6	masalah	masalah	PROPN
esutjss-259	190	7	ekonomi	ekonomi	PROPN
esutjss-259	190	8	dan	dan	PROPN
esutjss-259	190	9	pembangunan	pembangunan	PROPN
esutjss-259	190	10	,	,	PUNCT
esutjss-259	190	11	19(1	19(1	NUM
esutjss-259	190	12	)	)	PUNCT
esutjss-259	190	13	,	,	PUNCT
esutjss-259	190	14	114–125	114–125	NUM
esutjss-259	190	15	.	.	PUNCT
esutjss-259	191	1	https://doi.org/10.1186/s40008-020-00214-4	https://doi.org/10.1186/s40008-020-00214-4	NUM
esutjss-259	191	2	https://doi.org/10.1007/s13132-023-01207-x	https://doi.org/10.1007/s13132-023-01207-x	VERB
esutjss-259	191	3	file:///c:/users	file:///c:/users	PROPN
esutjss-259	191	4	/	/	SYM
esutjss-259	191	5	user	user	NOUN
esutjss-259	191	6	/	/	SYM
esutjss-259	191	7	desktop	desktop	NOUN
esutjss-259	191	8	/	/	SYM
esutjss-259	191	9	desktop	desktop	NOUN
esutjss-259	191	10	/	/	SYM
esutjss-259	191	11	nwosu	nwosu	PROPN
esutjss-259	191	12	/	/	SYM
esutjss-259	191	13	un%20desa%20databases%20|%20united%20nations	un%20desa%20databases%20|%20united%20nations	PROPN
esutjss-259	191	14	https://www.un.org/en/desa/products/un-desa-databases	https://www.un.org/en/desa/products/un-desa-database	VERB
esutjss-259	191	15	https://www.uneca.org/stories/%28blog%29-forging-a-social-contract-for-reducing-poverty-and-inequality-in-africa	https://www.uneca.org/stories/%28blog%29-forging-a-social-contract-for-reducing-poverty-and-inequality-in-africa	PROPN
esutjss-259	191	16	https://www.uneca.org/stories/%28blog%29-forging-a-social-contract-for-reducing-poverty-and-inequality-in-africa	https://www.uneca.org/stories/%28blog%29-forging-a-social-contract-for-reducing-poverty-and-inequality-in-africa	PROPN
esutjss-259	191	17	page	page	NOUN
esutjss-259	191	18	7	7	NUM