id	sid	tid	token	lemma	pos
esutjss-89	1	1	volume	volume	NOUN
esutjss-89	1	2	6	6	NUM
esutjss-89	1	3	issue	issue	NOUN
esutjss-89	1	4	3	3	NUM
esutjss-89	1	5	,	,	PUNCT
esutjss-89	1	6	2021	2021	NUM
esutjss-89	1	7	283	283	NUM
esutjss-89	1	8	impact	impact	NOUN
esutjss-89	1	9	of	of	ADP
esutjss-89	1	10	interest	interest	NOUN
esutjss-89	1	11	rate	rate	NOUN
esutjss-89	1	12	spread	spread	VERB
esutjss-89	1	13	on	on	ADP
esutjss-89	1	14	savings	saving	NOUN
esutjss-89	1	15	in	in	ADP
esutjss-89	1	16	nigeria	nigeria	PROPN
esutjss-89	1	17	:	:	PUNCT
esutjss-89	1	18	an	an	DET
esutjss-89	1	19	empirical	empirical	ADJ
esutjss-89	1	20	investigation	investigation	NOUN
esutjss-89	1	21	*	*	NOUN
esutjss-89	1	22	obeh	obeh	NOUN
esutjss-89	1	23	,	,	PUNCT
esutjss-89	1	24	henry	henry	PROPN
esutjss-89	1	25	obukohwo	obukohwo	PROPN
esutjss-89	1	26	economics	economic	NOUN
esutjss-89	1	27	unit	unit	NOUN
esutjss-89	1	28	,	,	PUNCT
esutjss-89	1	29	school	school	NOUN
esutjss-89	1	30	of	of	ADP
esutjss-89	1	31	general	general	ADJ
esutjss-89	1	32	studies	study	NOUN
esutjss-89	1	33	,	,	PUNCT
esutjss-89	1	34	delta	delta	NOUN
esutjss-89	1	35	state	state	PROPN
esutjss-89	1	36	polytechnic	polytechnic	ADJ
esutjss-89	1	37	,	,	PUNCT
esutjss-89	1	38	otefe	otefe	ADJ
esutjss-89	1	39	-	-	PUNCT
esutjss-89	1	40	oghara	oghara	PROPN
esutjss-89	1	41	&	&	CCONJ
esutjss-89	1	42	brotoboh	brotoboh	PROPN
esutjss-89	1	43	,	,	PUNCT
esutjss-89	1	44	dennis	dennis	PROPN
esutjss-89	1	45	efemuaye	efemuaye	PROPN
esutjss-89	1	46	department	department	PROPN
esutjss-89	1	47	of	of	ADP
esutjss-89	1	48	banking	banking	NOUN
esutjss-89	1	49	and	and	CCONJ
esutjss-89	1	50	finance	finance	PROPN
esutjss-89	1	51	delta	delta	PROPN
esutjss-89	1	52	state	state	NOUN
esutjss-89	1	53	polytechnic	polytechnic	ADJ
esutjss-89	1	54	,	,	PUNCT
esutjss-89	1	55	otefe	otefe	ADJ
esutjss-89	1	56	-	-	PUNCT
esutjss-89	1	57	oghara	oghara	NOUN
esutjss-89	1	58	*	*	NOUN
esutjss-89	1	59	correspondence	correspondence	NOUN
esutjss-89	1	60	:	:	PUNCT
esutjss-89	1	61	obehobus@gmail.com	obehobus@gmail.com	X
esutjss-89	2	1	abstract	abstract	ADJ
esutjss-89	2	2	this	this	DET
esutjss-89	2	3	paper	paper	NOUN
esutjss-89	2	4	investigated	investigate	VERB
esutjss-89	2	5	the	the	DET
esutjss-89	2	6	impact	impact	NOUN
esutjss-89	2	7	of	of	ADP
esutjss-89	2	8	interest	interest	NOUN
esutjss-89	2	9	rate	rate	NOUN
esutjss-89	2	10	spread	spread	VERB
esutjss-89	2	11	on	on	ADP
esutjss-89	2	12	savings	saving	NOUN
esutjss-89	2	13	in	in	ADP
esutjss-89	2	14	nigeria	nigeria	PROPN
esutjss-89	2	15	for	for	ADP
esutjss-89	2	16	the	the	DET
esutjss-89	2	17	period	period	NOUN
esutjss-89	2	18	,	,	PUNCT
esutjss-89	2	19	1981	1981	NUM
esutjss-89	2	20	-	-	SYM
esutjss-89	2	21	2019	2019	NUM
esutjss-89	2	22	.	.	PUNCT
esutjss-89	3	1	the	the	DET
esutjss-89	3	2	study	study	NOUN
esutjss-89	3	3	argued	argue	VERB
esutjss-89	3	4	that	that	SCONJ
esutjss-89	3	5	interest	interest	NOUN
esutjss-89	3	6	rate	rate	NOUN
esutjss-89	3	7	spread	spread	NOUN
esutjss-89	3	8	is	be	AUX
esutjss-89	3	9	a	a	DET
esutjss-89	3	10	major	major	ADJ
esutjss-89	3	11	determinant	determinant	NOUN
esutjss-89	3	12	of	of	ADP
esutjss-89	3	13	saving	save	VERB
esutjss-89	3	14	behaviour	behaviour	NOUN
esutjss-89	3	15	in	in	ADP
esutjss-89	3	16	nigeria	nigeria	PROPN
esutjss-89	3	17	.	.	PUNCT
esutjss-89	4	1	the	the	DET
esutjss-89	4	2	study	study	NOUN
esutjss-89	4	3	employs	employ	VERB
esutjss-89	4	4	the	the	DET
esutjss-89	4	5	ordinary	ordinary	ADJ
esutjss-89	4	6	least	least	ADJ
esutjss-89	4	7	square	square	ADJ
esutjss-89	4	8	models	model	NOUN
esutjss-89	4	9	for	for	ADP
esutjss-89	4	10	the	the	DET
esutjss-89	4	11	estimates	estimate	NOUN
esutjss-89	4	12	using	use	VERB
esutjss-89	4	13	the	the	DET
esutjss-89	4	14	multiple	multiple	ADJ
esutjss-89	4	15	regression	regression	NOUN
esutjss-89	4	16	analysis	analysis	NOUN
esutjss-89	4	17	.	.	PUNCT
esutjss-89	5	1	the	the	DET
esutjss-89	5	2	study	study	NOUN
esutjss-89	5	3	tested	test	VERB
esutjss-89	5	4	for	for	ADP
esutjss-89	5	5	unit	unit	NOUN
esutjss-89	5	6	root	root	NOUN
esutjss-89	5	7	where	where	SCONJ
esutjss-89	5	8	savings	saving	NOUN
esutjss-89	5	9	and	and	CCONJ
esutjss-89	5	10	interest	interest	NOUN
esutjss-89	5	11	rate	rate	NOUN
esutjss-89	5	12	are	be	AUX
esutjss-89	5	13	integrated	integrate	VERB
esutjss-89	5	14	.	.	PUNCT
esutjss-89	6	1	the	the	DET
esutjss-89	6	2	study	study	NOUN
esutjss-89	6	3	also	also	ADV
esutjss-89	6	4	used	use	VERB
esutjss-89	6	5	the	the	DET
esutjss-89	6	6	johenson	johenson	NOUN
esutjss-89	6	7	co	co	NOUN
esutjss-89	6	8	-	-	NOUN
esutjss-89	6	9	integration	integration	NOUN
esutjss-89	6	10	test	test	NOUN
esutjss-89	6	11	to	to	PART
esutjss-89	6	12	confirm	confirm	VERB
esutjss-89	6	13	the	the	DET
esutjss-89	6	14	longrun	longrun	PROPN
esutjss-89	6	15	relationship	relationship	NOUN
esutjss-89	6	16	among	among	ADP
esutjss-89	6	17	the	the	DET
esutjss-89	6	18	variables	variable	NOUN
esutjss-89	6	19	.	.	PUNCT
esutjss-89	7	1	the	the	DET
esutjss-89	7	2	result	result	NOUN
esutjss-89	7	3	of	of	ADP
esutjss-89	7	4	the	the	DET
esutjss-89	7	5	study	study	NOUN
esutjss-89	7	6	shows	show	VERB
esutjss-89	7	7	that	that	SCONJ
esutjss-89	7	8	interest	interest	NOUN
esutjss-89	7	9	rate	rate	NOUN
esutjss-89	7	10	spread	spread	VERB
esutjss-89	7	11	and	and	CCONJ
esutjss-89	7	12	exchange	exchange	NOUN
esutjss-89	7	13	rate	rate	NOUN
esutjss-89	7	14	,	,	PUNCT
esutjss-89	7	15	inflation	inflation	NOUN
esutjss-89	7	16	,	,	PUNCT
esutjss-89	7	17	savings	saving	NOUN
esutjss-89	7	18	,	,	PUNCT
esutjss-89	7	19	interest	interest	NOUN
esutjss-89	7	20	,	,	PUNCT
esutjss-89	7	21	and	and	CCONJ
esutjss-89	7	22	gdp	gdp	NOUN
esutjss-89	7	23	growth	growth	NOUN
esutjss-89	7	24	rate	rate	NOUN
esutjss-89	7	25	are	be	AUX
esutjss-89	7	26	statistically	statistically	ADV
esutjss-89	7	27	insignificant	insignificant	ADJ
esutjss-89	7	28	.	.	PUNCT
esutjss-89	8	1	the	the	DET
esutjss-89	8	2	study	study	NOUN
esutjss-89	8	3	concluded	conclude	VERB
esutjss-89	8	4	and	and	CCONJ
esutjss-89	8	5	recommended	recommend	VERB
esutjss-89	8	6	that	that	SCONJ
esutjss-89	8	7	the	the	DET
esutjss-89	8	8	central	central	ADJ
esutjss-89	8	9	bank	bank	PROPN
esutjss-89	8	10	of	of	ADP
esutjss-89	8	11	nigeria	nigeria	PROPN
esutjss-89	8	12	(	(	PUNCT
esutjss-89	8	13	cbn	cbn	PROPN
esutjss-89	8	14	)	)	PUNCT
esutjss-89	8	15	should	should	AUX
esutjss-89	8	16	put	put	VERB
esutjss-89	8	17	in	in	ADP
esutjss-89	8	18	place	place	NOUN
esutjss-89	8	19	measures	measure	NOUN
esutjss-89	8	20	to	to	PART
esutjss-89	8	21	monitor	monitor	VERB
esutjss-89	8	22	interest	interest	NOUN
esutjss-89	8	23	rate	rate	NOUN
esutjss-89	8	24	spread	spread	VERB
esutjss-89	8	25	related	related	ADJ
esutjss-89	8	26	measures	measure	NOUN
esutjss-89	8	27	such	such	ADJ
esutjss-89	8	28	as	as	ADP
esutjss-89	8	29	;	;	PUNCT
esutjss-89	8	30	deposit	deposit	NOUN
esutjss-89	8	31	rate	rate	NOUN
esutjss-89	8	32	,	,	PUNCT
esutjss-89	8	33	operating	operating	NOUN
esutjss-89	8	34	efficiency	efficiency	NOUN
esutjss-89	8	35	,	,	PUNCT
esutjss-89	8	36	liquidity	liquidity	NOUN
esutjss-89	8	37	risk	risk	NOUN
esutjss-89	8	38	and	and	CCONJ
esutjss-89	8	39	gross	gross	ADJ
esutjss-89	8	40	domestic	domestic	ADJ
esutjss-89	8	41	rate	rate	NOUN
esutjss-89	8	42	while	while	SCONJ
esutjss-89	8	43	strengthening	strengthen	VERB
esutjss-89	8	44	collaboration	collaboration	NOUN
esutjss-89	8	45	with	with	ADP
esutjss-89	8	46	financial	financial	ADJ
esutjss-89	8	47	institutions	institution	NOUN
esutjss-89	8	48	to	to	PART
esutjss-89	8	49	put	put	VERB
esutjss-89	8	50	appropriate	appropriate	ADJ
esutjss-89	8	51	policies	policy	NOUN
esutjss-89	8	52	and	and	CCONJ
esutjss-89	8	53	strategies	strategy	NOUN
esutjss-89	8	54	in	in	ADP
esutjss-89	8	55	place	place	NOUN
esutjss-89	8	56	to	to	PART
esutjss-89	8	57	reduce	reduce	VERB
esutjss-89	8	58	bank	bank	NOUN
esutjss-89	8	59	lending	lending	NOUN
esutjss-89	8	60	rate	rate	NOUN
esutjss-89	8	61	in	in	ADP
esutjss-89	8	62	other	other	ADJ
esutjss-89	8	63	to	to	PART
esutjss-89	8	64	boost	boost	VERB
esutjss-89	8	65	financial	financial	ADJ
esutjss-89	8	66	performance	performance	NOUN
esutjss-89	8	67	in	in	ADP
esutjss-89	8	68	nigeria	nigeria	PROPN
esutjss-89	8	69	.	.	PUNCT
esutjss-89	9	1	keywords	keyword	NOUN
esutjss-89	9	2	:	:	PUNCT
esutjss-89	9	3	interest	interest	NOUN
esutjss-89	9	4	rate	rate	NOUN
esutjss-89	9	5	,	,	PUNCT
esutjss-89	9	6	monetary	monetary	ADJ
esutjss-89	9	7	policy	policy	NOUN
esutjss-89	9	8	,	,	PUNCT
esutjss-89	9	9	monetary	monetary	ADJ
esutjss-89	9	10	authority	authority	NOUN
esutjss-89	9	11	,	,	PUNCT
esutjss-89	9	12	monetary	monetary	ADJ
esutjss-89	9	13	policy	policy	NOUN
esutjss-89	9	14	rate	rate	NOUN
esutjss-89	9	15	and	and	CCONJ
esutjss-89	9	16	savings	saving	NOUN
esutjss-89	9	17	introduction	introduction	NOUN
esutjss-89	9	18	the	the	DET
esutjss-89	9	19	interest	interest	NOUN
esutjss-89	9	20	rates	rate	NOUN
esutjss-89	9	21	spread	spread	VERB
esutjss-89	9	22	has	have	AUX
esutjss-89	9	23	been	be	AUX
esutjss-89	9	24	recognized	recognize	VERB
esutjss-89	9	25	in	in	ADP
esutjss-89	9	26	literature	literature	NOUN
esutjss-89	9	27	as	as	ADP
esutjss-89	9	28	a	a	DET
esutjss-89	9	29	key	key	ADJ
esutjss-89	9	30	indicator	indicator	NOUN
esutjss-89	9	31	of	of	ADP
esutjss-89	9	32	the	the	DET
esutjss-89	9	33	performance	performance	NOUN
esutjss-89	9	34	of	of	ADP
esutjss-89	9	35	the	the	DET
esutjss-89	9	36	financial	financial	ADJ
esutjss-89	9	37	system	system	NOUN
esutjss-89	9	38	.	.	PUNCT
esutjss-89	10	1	it	it	PRON
esutjss-89	10	2	is	be	AUX
esutjss-89	10	3	also	also	ADV
esutjss-89	10	4	generally	generally	ADV
esutjss-89	10	5	accepted	accept	VERB
esutjss-89	10	6	as	as	ADP
esutjss-89	10	7	a	a	DET
esutjss-89	10	8	measure	measure	NOUN
esutjss-89	10	9	of	of	ADP
esutjss-89	10	10	intermediation	intermediation	NOUN
esutjss-89	10	11	efficiency	efficiency	NOUN
esutjss-89	10	12	both	both	PRON
esutjss-89	10	13	in	in	ADP
esutjss-89	10	14	developed	developed	ADJ
esutjss-89	10	15	and	and	CCONJ
esutjss-89	10	16	developing	develop	VERB
esutjss-89	10	17	countries	country	NOUN
esutjss-89	10	18	(	(	PUNCT
esutjss-89	10	19	akinlo	akinlo	PROPN
esutjss-89	10	20	&	&	CCONJ
esutjss-89	10	21	owoyemi	owoyemi	PROPN
esutjss-89	10	22	,	,	PUNCT
esutjss-89	10	23	2012	2012	NUM
esutjss-89	10	24	)	)	PUNCT
esutjss-89	10	25	.	.	PUNCT
esutjss-89	11	1	a	a	DET
esutjss-89	11	2	large	large	ADJ
esutjss-89	11	3	spread	spread	NOUN
esutjss-89	11	4	works	work	NOUN
esutjss-89	11	5	as	as	ADP
esutjss-89	11	6	a	a	DET
esutjss-89	11	7	weakness	weakness	NOUN
esutjss-89	11	8	to	to	ADP
esutjss-89	11	9	expansion	expansion	NOUN
esutjss-89	11	10	and	and	CCONJ
esutjss-89	11	11	development	development	NOUN
esutjss-89	11	12	of	of	ADP
esutjss-89	11	13	financial	financial	ADJ
esutjss-89	11	14	intermediation	intermediation	NOUN
esutjss-89	11	15	process	process	NOUN
esutjss-89	11	16	.	.	PUNCT
esutjss-89	12	1	in	in	ADP
esutjss-89	12	2	other	other	ADJ
esutjss-89	12	3	words	word	NOUN
esutjss-89	12	4	,	,	PUNCT
esutjss-89	12	5	it	it	PRON
esutjss-89	12	6	indicates	indicate	VERB
esutjss-89	12	7	the	the	DET
esutjss-89	12	8	level	level	NOUN
esutjss-89	12	9	of	of	ADP
esutjss-89	12	10	inefficiency	inefficiency	NOUN
esutjss-89	12	11	of	of	ADP
esutjss-89	12	12	the	the	DET
esutjss-89	12	13	financial	financial	ADJ
esutjss-89	12	14	system	system	NOUN
esutjss-89	12	15	.	.	PUNCT
esutjss-89	13	1	this	this	PRON
esutjss-89	13	2	is	be	AUX
esutjss-89	13	3	because	because	SCONJ
esutjss-89	13	4	;	;	PUNCT
esutjss-89	13	5	possible	possible	ADJ
esutjss-89	13	6	savers	saver	NOUN
esutjss-89	13	7	are	be	AUX
esutjss-89	13	8	not	not	PART
esutjss-89	13	9	encouraged	encourage	VERB
esutjss-89	13	10	as	as	ADP
esutjss-89	13	11	a	a	DET
esutjss-89	13	12	result	result	NOUN
esutjss-89	13	13	of	of	ADP
esutjss-89	13	14	low	low	ADJ
esutjss-89	13	15	return	return	NOUN
esutjss-89	13	16	on	on	ADP
esutjss-89	13	17	deposit	deposit	NOUN
esutjss-89	13	18	and	and	CCONJ
esutjss-89	13	19	thus	thus	ADV
esutjss-89	13	20	financing	finance	VERB
esutjss-89	13	21	for	for	ADP
esutjss-89	13	22	possible	possible	ADJ
esutjss-89	13	23	borrowers	borrower	NOUN
esutjss-89	13	24	are	be	AUX
esutjss-89	13	25	limited	limit	VERB
esutjss-89	13	26	.	.	PUNCT
esutjss-89	14	1	according	accord	VERB
esutjss-89	14	2	to	to	ADP
esutjss-89	14	3	kama	kama	PROPN
esutjss-89	14	4	(	(	PUNCT
esutjss-89	14	5	2009	2009	NUM
esutjss-89	14	6	)	)	PUNCT
esutjss-89	14	7	,	,	PUNCT
esutjss-89	14	8	the	the	DET
esutjss-89	14	9	real	real	ADJ
esutjss-89	14	10	economy	economy	NOUN
esutjss-89	14	11	is	be	AUX
esutjss-89	14	12	benefited	benefit	VERB
esutjss-89	14	13	by	by	ADP
esutjss-89	14	14	financial	financial	ADJ
esutjss-89	14	15	system	system	NOUN
esutjss-89	14	16	that	that	PRON
esutjss-89	14	17	are	be	AUX
esutjss-89	14	18	more	more	ADV
esutjss-89	14	19	efficient	efficient	ADJ
esutjss-89	14	20	by	by	ADP
esutjss-89	14	21	allowing	allow	VERB
esutjss-89	14	22	expected	expect	VERB
esutjss-89	14	23	returns	return	NOUN
esutjss-89	14	24	that	that	PRON
esutjss-89	14	25	are	be	AUX
esutjss-89	14	26	high	high	ADJ
esutjss-89	14	27	for	for	ADP
esutjss-89	14	28	savers	saver	NOUN
esutjss-89	14	29	or	or	CCONJ
esutjss-89	14	30	lowering	lower	VERB
esutjss-89	14	31	lenders	lender	NOUN
esutjss-89	14	32	costs	cost	VERB
esutjss-89	14	33	such	such	ADJ
esutjss-89	14	34	that	that	PRON
esutjss-89	14	35	investment	investment	NOUN
esutjss-89	14	36	rises	rise	VERB
esutjss-89	14	37	and	and	CCONJ
esutjss-89	14	38	the	the	DET
esutjss-89	14	39	economy	economy	NOUN
esutjss-89	14	40	grows	grow	VERB
esutjss-89	14	41	.	.	PUNCT
esutjss-89	15	1	globally	globally	ADV
esutjss-89	15	2	,	,	PUNCT
esutjss-89	15	3	it	it	PRON
esutjss-89	15	4	is	be	AUX
esutjss-89	15	5	recognized	recognize	VERB
esutjss-89	15	6	that	that	SCONJ
esutjss-89	15	7	efficiency	efficiency	NOUN
esutjss-89	15	8	in	in	ADP
esutjss-89	15	9	intermediation	intermediation	NOUN
esutjss-89	15	10	process	process	NOUN
esutjss-89	15	11	establishes	establish	VERB
esutjss-89	15	12	a	a	DET
esutjss-89	15	13	smooth	smooth	ADJ
esutjss-89	15	14	mechanism	mechanism	NOUN
esutjss-89	15	15	for	for	ADP
esutjss-89	15	16	the	the	DET
esutjss-89	15	17	mobilization	mobilization	NOUN
esutjss-89	15	18	of	of	ADP
esutjss-89	15	19	funds	fund	NOUN
esutjss-89	15	20	from	from	ADP
esutjss-89	15	21	the	the	DET
esutjss-89	15	22	surplus	surplus	ADJ
esutjss-89	15	23	sector	sector	NOUN
esutjss-89	15	24	and	and	CCONJ
esutjss-89	15	25	the	the	DET
esutjss-89	15	26	transfer	transfer	NOUN
esutjss-89	15	27	of	of	ADP
esutjss-89	15	28	these	these	DET
esutjss-89	15	29	funds	fund	NOUN
esutjss-89	15	30	to	to	ADP
esutjss-89	15	31	the	the	DET
esutjss-89	15	32	deficit	deficit	NOUN
esutjss-89	15	33	sector	sector	NOUN
esutjss-89	15	34	of	of	ADP
esutjss-89	15	35	the	the	DET
esutjss-89	15	36	economy	economy	NOUN
esutjss-89	15	37	for	for	ADP
esutjss-89	15	38	investment	investment	NOUN
esutjss-89	15	39	purposes	purpose	NOUN
esutjss-89	15	40	(	(	PUNCT
esutjss-89	15	41	nwachukwu	nwachukwu	NOUN
esutjss-89	15	42	,	,	PUNCT
esutjss-89	15	43	2011	2011	NUM
esutjss-89	15	44	)	)	PUNCT
esutjss-89	15	45	.	.	PUNCT
esutjss-89	16	1	this	this	PRON
esutjss-89	16	2	is	be	AUX
esutjss-89	16	3	in	in	ADP
esutjss-89	16	4	line	line	NOUN
esutjss-89	16	5	with	with	ADP
esutjss-89	16	6	kendall	kendall	PROPN
esutjss-89	16	7	(	(	PUNCT
esutjss-89	16	8	2000	2000	NUM
esutjss-89	16	9	)	)	PUNCT
esutjss-89	16	10	,	,	PUNCT
esutjss-89	16	11	who	who	PRON
esutjss-89	16	12	argued	argue	VERB
esutjss-89	16	13	that	that	SCONJ
esutjss-89	16	14	mobilized	mobilize	VERB
esutjss-89	16	15	resources	resource	NOUN
esutjss-89	16	16	(	(	PUNCT
esutjss-89	16	17	i.e.	i.e.	X
esutjss-89	16	18	,	,	PUNCT
esutjss-89	16	19	savings	saving	NOUN
esutjss-89	16	20	)	)	PUNCT
esutjss-89	16	21	provides	provide	VERB
esutjss-89	16	22	developed	developed	ADJ
esutjss-89	16	23	and	and	CCONJ
esutjss-89	16	24	developing	develop	VERB
esutjss-89	16	25	countries	country	NOUN
esutjss-89	16	26	(	(	PUNCT
esutjss-89	16	27	including	include	VERB
esutjss-89	16	28	nigeria	nigeria	PROPN
esutjss-89	16	29	)	)	PUNCT
esutjss-89	16	30	with	with	ADP
esutjss-89	16	31	the	the	DET
esutjss-89	16	32	much	much	ADV
esutjss-89	16	33	needed	need	VERB
esutjss-89	16	34	capital	capital	NOUN
esutjss-89	16	35	for	for	ADP
esutjss-89	16	36	investment	investment	NOUN
esutjss-89	16	37	in	in	ADP
esutjss-89	16	38	productive	productive	ADJ
esutjss-89	16	39	activities	activity	NOUN
esutjss-89	16	40	which	which	PRON
esutjss-89	16	41	will	will	AUX
esutjss-89	16	42	lead	lead	VERB
esutjss-89	16	43	to	to	ADP
esutjss-89	16	44	reduction	reduction	NOUN
esutjss-89	16	45	in	in	ADP
esutjss-89	16	46	external	external	ADJ
esutjss-89	16	47	borrowing	borrowing	NOUN
esutjss-89	16	48	of	of	ADP
esutjss-89	16	49	government	government	NOUN
esutjss-89	16	50	,	,	PUNCT
esutjss-89	16	51	employment	employment	NOUN
esutjss-89	16	52	creation	creation	NOUN
esutjss-89	16	53	and	and	CCONJ
esutjss-89	16	54	increase	increase	VERB
esutjss-89	16	55	the	the	DET
esutjss-89	16	56	people	people	NOUN
esutjss-89	16	57	’s	’s	PART
esutjss-89	16	58	standard	standard	NOUN
esutjss-89	16	59	of	of	ADP
esutjss-89	16	60	living	living	NOUN
esutjss-89	16	61	.	.	PUNCT
esutjss-89	17	1	mailto:obehobus@gmail.com	mailto:obehobus@gmail.com	X
esutjss-89	17	2	savings	saving	NOUN
esutjss-89	17	3	in	in	ADP
esutjss-89	17	4	nigeria	nigeria	PROPN
esutjss-89	17	5	in	in	ADP
esutjss-89	17	6	the	the	DET
esutjss-89	17	7	light	light	NOUN
esutjss-89	17	8	of	of	ADP
esutjss-89	17	9	the	the	DET
esutjss-89	17	10	above	above	ADJ
esutjss-89	17	11	explanations	explanation	NOUN
esutjss-89	17	12	,	,	PUNCT
esutjss-89	17	13	different	different	ADJ
esutjss-89	17	14	countries	country	NOUN
esutjss-89	17	15	have	have	AUX
esutjss-89	17	16	adopted	adopt	VERB
esutjss-89	17	17	different	different	ADJ
esutjss-89	17	18	interest	interest	NOUN
esutjss-89	17	19	rate	rate	NOUN
esutjss-89	17	20	regimes	regime	NOUN
esutjss-89	17	21	to	to	PART
esutjss-89	17	22	improve	improve	VERB
esutjss-89	17	23	the	the	DET
esutjss-89	17	24	efficiency	efficiency	NOUN
esutjss-89	17	25	of	of	ADP
esutjss-89	17	26	the	the	DET
esutjss-89	17	27	intermediation	intermediation	NOUN
esutjss-89	17	28	process	process	NOUN
esutjss-89	17	29	(	(	PUNCT
esutjss-89	17	30	i.e.	i.e.	X
esutjss-89	17	31	,	,	PUNCT
esutjss-89	17	32	minimize	minimize	VERB
esutjss-89	17	33	the	the	DET
esutjss-89	17	34	gap	gap	NOUN
esutjss-89	17	35	between	between	ADP
esutjss-89	17	36	lending	lending	NOUN
esutjss-89	17	37	and	and	CCONJ
esutjss-89	17	38	deposit	deposit	NOUN
esutjss-89	17	39	rates	rate	NOUN
esutjss-89	17	40	)	)	PUNCT
esutjss-89	17	41	.	.	PUNCT
esutjss-89	18	1	in	in	ADP
esutjss-89	18	2	nigeria	nigeria	PROPN
esutjss-89	18	3	for	for	ADP
esutjss-89	18	4	example	example	NOUN
esutjss-89	18	5	,	,	PUNCT
esutjss-89	18	6	various	various	ADJ
esutjss-89	18	7	regimes	regime	NOUN
esutjss-89	18	8	such	such	ADJ
esutjss-89	18	9	as	as	ADP
esutjss-89	18	10	control	control	NOUN
esutjss-89	18	11	deregulation	deregulation	NOUN
esutjss-89	18	12	,	,	PUNCT
esutjss-89	18	13	regulation	regulation	NOUN
esutjss-89	18	14	and	and	CCONJ
esutjss-89	18	15	complete	complete	ADJ
esutjss-89	18	16	deregulation	deregulation	NOUN
esutjss-89	18	17	have	have	AUX
esutjss-89	18	18	been	be	AUX
esutjss-89	18	19	experimented	experiment	VERB
esutjss-89	18	20	at	at	ADP
esutjss-89	18	21	different	different	ADJ
esutjss-89	18	22	periods	period	NOUN
esutjss-89	18	23	,	,	PUNCT
esutjss-89	18	24	since	since	SCONJ
esutjss-89	18	25	the	the	DET
esutjss-89	18	26	introduction	introduction	NOUN
esutjss-89	18	27	of	of	ADP
esutjss-89	18	28	the	the	DET
esutjss-89	18	29	structural	structural	ADJ
esutjss-89	18	30	adjustment	adjustment	NOUN
esutjss-89	18	31	programme	programme	NOUN
esutjss-89	18	32	(	(	PUNCT
esutjss-89	18	33	sap	sap	PROPN
esutjss-89	18	34	)	)	PUNCT
esutjss-89	18	35	in	in	ADP
esutjss-89	18	36	1986	1986	NUM
esutjss-89	18	37	.	.	PUNCT
esutjss-89	19	1	prior	prior	ADV
esutjss-89	19	2	to	to	ADP
esutjss-89	19	3	the	the	DET
esutjss-89	19	4	deregulation	deregulation	NOUN
esutjss-89	19	5	of	of	ADP
esutjss-89	19	6	interest	interest	NOUN
esutjss-89	19	7	rates	rate	NOUN
esutjss-89	19	8	completion	completion	NOUN
esutjss-89	19	9	in	in	ADP
esutjss-89	19	10	nigeria	nigeria	PROPN
esutjss-89	19	11	,	,	PUNCT
esutjss-89	19	12	the	the	DET
esutjss-89	19	13	financial	financial	ADJ
esutjss-89	19	14	sector	sector	NOUN
esutjss-89	19	15	worked	work	VERB
esutjss-89	19	16	under	under	ADP
esutjss-89	19	17	the	the	DET
esutjss-89	19	18	regulations	regulation	NOUN
esutjss-89	19	19	of	of	ADP
esutjss-89	19	20	finance	finance	NOUN
esutjss-89	19	21	and	and	CCONJ
esutjss-89	19	22	rate	rate	NOUN
esutjss-89	19	23	of	of	ADP
esutjss-89	19	24	interest	interest	NOUN
esutjss-89	19	25	were	be	AUX
esutjss-89	19	26	said	say	VERB
esutjss-89	19	27	to	to	PART
esutjss-89	19	28	be	be	AUX
esutjss-89	19	29	blocked	block	VERB
esutjss-89	19	30	.	.	PUNCT
esutjss-89	20	1	the	the	DET
esutjss-89	20	2	resulting	result	VERB
esutjss-89	20	3	low	low	ADJ
esutjss-89	20	4	interest	interest	NOUN
esutjss-89	20	5	(	(	PUNCT
esutjss-89	20	6	deposit	deposit	NOUN
esutjss-89	20	7	)	)	PUNCT
esutjss-89	20	8	rates	rate	NOUN
esutjss-89	20	9	during	during	ADP
esutjss-89	20	10	this	this	DET
esutjss-89	20	11	regime	regime	NOUN
esutjss-89	20	12	discouraged	discourage	VERB
esutjss-89	20	13	mobilization	mobilization	NOUN
esutjss-89	20	14	of	of	ADP
esutjss-89	20	15	savings	saving	NOUN
esutjss-89	20	16	and	and	CCONJ
esutjss-89	20	17	through	through	ADP
esutjss-89	20	18	financial	financial	ADJ
esutjss-89	20	19	system	system	NOUN
esutjss-89	20	20	;	;	PUNCT
esutjss-89	20	21	the	the	DET
esutjss-89	20	22	directing	directing	NOUN
esutjss-89	20	23	of	of	ADP
esutjss-89	20	24	savings	saving	NOUN
esutjss-89	20	25	was	be	AUX
esutjss-89	20	26	mobilized	mobilize	VERB
esutjss-89	20	27	.	.	PUNCT
esutjss-89	21	1	as	as	ADP
esutjss-89	21	2	a	a	DET
esutjss-89	21	3	result	result	NOUN
esutjss-89	21	4	,	,	PUNCT
esutjss-89	21	5	the	the	DET
esutjss-89	21	6	nigerian	nigerian	ADJ
esutjss-89	21	7	government	government	NOUN
esutjss-89	21	8	took	take	VERB
esutjss-89	21	9	steps	step	NOUN
esutjss-89	21	10	to	to	PART
esutjss-89	21	11	loosen	loosen	VERB
esutjss-89	21	12	interest	interest	NOUN
esutjss-89	21	13	rates	rate	NOUN
esutjss-89	21	14	(	(	PUNCT
esutjss-89	21	15	i.e.	i.e.	X
esutjss-89	21	16	,	,	PUNCT
esutjss-89	21	17	lending	lending	NOUN
esutjss-89	21	18	and	and	CCONJ
esutjss-89	21	19	deposit	deposit	NOUN
esutjss-89	21	20	rates	rate	NOUN
esutjss-89	21	21	)	)	PUNCT
esutjss-89	21	22	as	as	ADP
esutjss-89	21	23	part	part	NOUN
esutjss-89	21	24	of	of	ADP
esutjss-89	21	25	the	the	DET
esutjss-89	21	26	reform	reform	NOUN
esutjss-89	21	27	of	of	ADP
esutjss-89	21	28	the	the	DET
esutjss-89	21	29	entire	entire	ADJ
esutjss-89	21	30	financial	financial	ADJ
esutjss-89	21	31	system	system	NOUN
esutjss-89	21	32	(	(	PUNCT
esutjss-89	21	33	cbn	cbn	PROPN
esutjss-89	21	34	,	,	PUNCT
esutjss-89	21	35	2007	2007	NUM
esutjss-89	21	36	)	)	PUNCT
esutjss-89	21	37	.	.	PUNCT
esutjss-89	22	1	the	the	DET
esutjss-89	22	2	deregulation	deregulation	NOUN
esutjss-89	22	3	of	of	ADP
esutjss-89	22	4	the	the	DET
esutjss-89	22	5	rate	rate	NOUN
esutjss-89	22	6	of	of	ADP
esutjss-89	22	7	interest	interest	NOUN
esutjss-89	22	8	was	be	AUX
esutjss-89	22	9	as	as	ADP
esutjss-89	22	10	a	a	DET
esutjss-89	22	11	result	result	NOUN
esutjss-89	22	12	of	of	ADP
esutjss-89	22	13	the	the	DET
esutjss-89	22	14	financial	financial	ADJ
esutjss-89	22	15	sector	sector	NOUN
esutjss-89	22	16	reforms	reform	NOUN
esutjss-89	22	17	,	,	PUNCT
esutjss-89	22	18	which	which	PRON
esutjss-89	22	19	took	take	VERB
esutjss-89	22	20	effect	effect	NOUN
esutjss-89	22	21	from	from	ADP
esutjss-89	22	22	august	august	PROPN
esutjss-89	22	23	1987	1987	NUM
esutjss-89	22	24	(	(	PUNCT
esutjss-89	22	25	ikhinde	ikhinde	ADJ
esutjss-89	22	26	,	,	PUNCT
esutjss-89	22	27	obute	obute	ADJ
esutjss-89	22	28	&	&	CCONJ
esutjss-89	22	29	adyorough	adyorough	NOUN
esutjss-89	22	30	,	,	PUNCT
esutjss-89	22	31	2012	2012	NUM
esutjss-89	22	32	)	)	PUNCT
esutjss-89	22	33	.	.	PUNCT
esutjss-89	23	1	the	the	DET
esutjss-89	23	2	interest	interest	NOUN
esutjss-89	23	3	rate	rate	NOUN
esutjss-89	23	4	regime	regime	NOUN
esutjss-89	23	5	was	be	AUX
esutjss-89	23	6	liberalized	liberalize	VERB
esutjss-89	23	7	by	by	ADP
esutjss-89	23	8	the	the	DET
esutjss-89	23	9	central	central	ADJ
esutjss-89	23	10	bank	bank	PROPN
esutjss-89	23	11	of	of	ADP
esutjss-89	23	12	nigeria	nigeria	PROPN
esutjss-89	23	13	(	(	PUNCT
esutjss-89	23	14	cbn	cbn	PROPN
esutjss-89	23	15	)	)	PUNCT
esutjss-89	23	16	and	and	CCONJ
esutjss-89	23	17	employed	employ	VERB
esutjss-89	23	18	the	the	DET
esutjss-89	23	19	policy	policy	NOUN
esutjss-89	23	20	of	of	ADP
esutjss-89	23	21	fixing	fix	VERB
esutjss-89	23	22	only	only	ADV
esutjss-89	23	23	its	its	PRON
esutjss-89	23	24	minimum	minimum	ADJ
esutjss-89	23	25	rediscount	rediscount	NOUN
esutjss-89	23	26	rate	rate	NOUN
esutjss-89	23	27	to	to	PART
esutjss-89	23	28	indicate	indicate	VERB
esutjss-89	23	29	the	the	DET
esutjss-89	23	30	anticipated	anticipated	ADJ
esutjss-89	23	31	direction	direction	NOUN
esutjss-89	23	32	of	of	ADP
esutjss-89	23	33	interest	interest	NOUN
esutjss-89	23	34	rate	rate	NOUN
esutjss-89	23	35	.	.	PUNCT
esutjss-89	24	1	the	the	DET
esutjss-89	24	2	policy	policy	NOUN
esutjss-89	24	3	was	be	AUX
esutjss-89	24	4	improved	improve	VERB
esutjss-89	24	5	in	in	ADP
esutjss-89	24	6	1989	1989	NUM
esutjss-89	24	7	when	when	SCONJ
esutjss-89	24	8	the	the	DET
esutjss-89	24	9	cbn	cbn	PROPN
esutjss-89	24	10	issued	issue	VERB
esutjss-89	24	11	further	further	ADJ
esutjss-89	24	12	directives	directive	NOUN
esutjss-89	24	13	on	on	ADP
esutjss-89	24	14	the	the	DET
esutjss-89	24	15	required	require	VERB
esutjss-89	24	16	spreads	spread	NOUN
esutjss-89	24	17	between	between	ADP
esutjss-89	24	18	deposit	deposit	NOUN
esutjss-89	24	19	and	and	CCONJ
esutjss-89	24	20	lending	lending	NOUN
esutjss-89	24	21	rates	rate	NOUN
esutjss-89	24	22	.	.	PUNCT
esutjss-89	25	1	during	during	ADP
esutjss-89	25	2	this	this	DET
esutjss-89	25	3	period	period	NOUN
esutjss-89	25	4	,	,	PUNCT
esutjss-89	25	5	the	the	DET
esutjss-89	25	6	deposit	deposit	NOUN
esutjss-89	25	7	rate	rate	NOUN
esutjss-89	25	8	was	be	AUX
esutjss-89	25	9	18.2	18.2	NUM
esutjss-89	25	10	%	%	NOUN
esutjss-89	25	11	and	and	CCONJ
esutjss-89	25	12	the	the	DET
esutjss-89	25	13	lending	lending	NOUN
esutjss-89	25	14	rate	rate	NOUN
esutjss-89	25	15	was	be	AUX
esutjss-89	25	16	25	25	NUM
esutjss-89	25	17	%	%	NOUN
esutjss-89	25	18	.	.	PUNCT
esutjss-89	26	1	in	in	ADP
esutjss-89	26	2	1991	1991	NUM
esutjss-89	26	3	,	,	PUNCT
esutjss-89	26	4	the	the	DET
esutjss-89	26	5	government	government	NOUN
esutjss-89	26	6	prescribed	prescribe	VERB
esutjss-89	26	7	a	a	DET
esutjss-89	26	8	maximum	maximum	ADJ
esutjss-89	26	9	margin	margin	NOUN
esutjss-89	26	10	between	between	ADP
esutjss-89	26	11	each	each	DET
esutjss-89	26	12	bank	bank	NOUN
esutjss-89	26	13	’s	’s	PART
esutjss-89	26	14	average	average	ADJ
esutjss-89	26	15	cost	cost	NOUN
esutjss-89	26	16	of	of	ADP
esutjss-89	26	17	funds	fund	NOUN
esutjss-89	26	18	and	and	CCONJ
esutjss-89	26	19	its	its	PRON
esutjss-89	26	20	maximum	maximum	ADJ
esutjss-89	26	21	lending	lending	NOUN
esutjss-89	26	22	rates	rate	NOUN
esutjss-89	26	23	.	.	PUNCT
esutjss-89	27	1	later	later	ADV
esutjss-89	27	2	,	,	PUNCT
esutjss-89	27	3	the	the	DET
esutjss-89	27	4	maximum	maximum	ADJ
esutjss-89	27	5	lending	lending	NOUN
esutjss-89	27	6	rate	rate	NOUN
esutjss-89	27	7	and	and	CCONJ
esutjss-89	27	8	the	the	DET
esutjss-89	27	9	deposit	deposit	NOUN
esutjss-89	27	10	rate	rate	NOUN
esutjss-89	27	11	of	of	ADP
esutjss-89	27	12	14	14	NUM
esutjss-89	27	13	%	%	NOUN
esutjss-89	27	14	and	and	CCONJ
esutjss-89	27	15	20	20	NUM
esutjss-89	27	16	%	%	NOUN
esutjss-89	27	17	and	and	CCONJ
esutjss-89	27	18	a	a	PRON
esutjss-89	27	19	respectively	respectively	ADV
esutjss-89	27	20	was	be	AUX
esutjss-89	27	21	prescribed	prescribe	VERB
esutjss-89	27	22	by	by	ADP
esutjss-89	27	23	the	the	DET
esutjss-89	27	24	cbn.a	cbn.a	PROPN
esutjss-89	27	25	fractional	fractional	NOUN
esutjss-89	27	26	of	of	ADP
esutjss-89	27	27	the	the	DET
esutjss-89	27	28	deregulation	deregulation	NOUN
esutjss-89	27	29	was	be	AUX
esutjss-89	27	30	,	,	PUNCT
esutjss-89	27	31	however	however	ADV
esutjss-89	27	32	,	,	PUNCT
esutjss-89	27	33	restored	restore	VERB
esutjss-89	27	34	in	in	ADP
esutjss-89	27	35	1992	1992	NUM
esutjss-89	27	36	when	when	SCONJ
esutjss-89	27	37	financial	financial	ADJ
esutjss-89	27	38	institutions	institution	NOUN
esutjss-89	27	39	were	be	AUX
esutjss-89	27	40	required	require	VERB
esutjss-89	27	41	to	to	PART
esutjss-89	27	42	only	only	ADV
esutjss-89	27	43	maintain	maintain	VERB
esutjss-89	27	44	a	a	DET
esutjss-89	27	45	specified	specified	ADJ
esutjss-89	27	46	spread	spread	NOUN
esutjss-89	27	47	between	between	ADP
esutjss-89	27	48	their	their	PRON
esutjss-89	27	49	average	average	ADJ
esutjss-89	27	50	cost	cost	NOUN
esutjss-89	27	51	of	of	ADP
esutjss-89	27	52	fund	fund	NOUN
esutjss-89	27	53	and	and	CCONJ
esutjss-89	27	54	maximum	maximum	ADJ
esutjss-89	27	55	lending	lending	NOUN
esutjss-89	27	56	rate	rate	NOUN
esutjss-89	27	57	.	.	PUNCT
esutjss-89	28	1	the	the	DET
esutjss-89	28	2	key	key	ADJ
esutjss-89	28	3	macroeconomic	macroeconomic	ADJ
esutjss-89	28	4	variables	variable	NOUN
esutjss-89	28	5	that	that	PRON
esutjss-89	28	6	determine	determine	VERB
esutjss-89	28	7	aggregate	aggregate	ADJ
esutjss-89	28	8	output	output	NOUN
esutjss-89	28	9	such	such	ADJ
esutjss-89	28	10	as	as	ADP
esutjss-89	28	11	savings	saving	NOUN
esutjss-89	28	12	and	and	CCONJ
esutjss-89	28	13	investment	investment	NOUN
esutjss-89	28	14	and	and	CCONJ
esutjss-89	28	15	total	total	ADJ
esutjss-89	28	16	consumption	consumption	NOUN
esutjss-89	28	17	seems	seem	VERB
esutjss-89	28	18	to	to	PART
esutjss-89	28	19	be	be	AUX
esutjss-89	28	20	an	an	DET
esutjss-89	28	21	output	output	NOUN
esutjss-89	28	22	determining	determine	VERB
esutjss-89	28	23	variable	variable	NOUN
esutjss-89	28	24	that	that	PRON
esutjss-89	28	25	has	have	AUX
esutjss-89	28	26	attracted	attract	VERB
esutjss-89	28	27	a	a	DET
esutjss-89	28	28	lot	lot	NOUN
esutjss-89	28	29	of	of	ADP
esutjss-89	28	30	attentions	attention	NOUN
esutjss-89	28	31	and	and	CCONJ
esutjss-89	28	32	studies	study	NOUN
esutjss-89	28	33	(	(	PUNCT
esutjss-89	28	34	ezeji	ezeji	PROPN
esutjss-89	28	35	&	&	CCONJ
esutjss-89	28	36	ajudua	ajudua	PROPN
esutjss-89	28	37	,	,	PUNCT
esutjss-89	28	38	2015).this	2015).this	NUM
esutjss-89	28	39	is	be	AUX
esutjss-89	28	40	so	so	ADV
esutjss-89	28	41	because	because	SCONJ
esutjss-89	28	42	about	about	ADV
esutjss-89	28	43	two	two	NUM
esutjss-89	28	44	-	-	PUNCT
esutjss-89	28	45	thirds	third	NOUN
esutjss-89	28	46	of	of	ADP
esutjss-89	28	47	aggregate	aggregate	ADJ
esutjss-89	28	48	expenditure	expenditure	NOUN
esutjss-89	28	49	was	be	AUX
esutjss-89	28	50	account	account	NOUN
esutjss-89	28	51	for	for	ADP
esutjss-89	28	52	as	as	SCONJ
esutjss-89	28	53	consumption	consumption	NOUN
esutjss-89	28	54	expenditure	expenditure	NOUN
esutjss-89	28	55	in	in	ADP
esutjss-89	28	56	virtually	virtually	ADV
esutjss-89	28	57	all	all	PRON
esutjss-89	28	58	economies	economy	NOUN
esutjss-89	28	59	(	(	PUNCT
esutjss-89	28	60	branson	branson	NOUN
esutjss-89	28	61	,	,	PUNCT
esutjss-89	28	62	1989).thus	1989).thus	NUM
esutjss-89	28	63	,	,	PUNCT
esutjss-89	28	64	the	the	DET
esutjss-89	28	65	level	level	NOUN
esutjss-89	28	66	of	of	ADP
esutjss-89	28	67	consumption	consumption	NOUN
esutjss-89	28	68	per	per	ADP
esutjss-89	28	69	individual	individual	NOUN
esutjss-89	28	70	is	be	AUX
esutjss-89	28	71	seen	see	VERB
esutjss-89	28	72	as	as	ADP
esutjss-89	28	73	a	a	DET
esutjss-89	28	74	central	central	ADJ
esutjss-89	28	75	measure	measure	NOUN
esutjss-89	28	76	of	of	ADP
esutjss-89	28	77	an	an	DET
esutjss-89	28	78	economy	economy	NOUN
esutjss-89	28	79	’s	’s	PART
esutjss-89	28	80	productive	productive	ADJ
esutjss-89	28	81	success	success	NOUN
esutjss-89	28	82	.	.	PUNCT
esutjss-89	29	1	according	accord	VERB
esutjss-89	29	2	to	to	ADP
esutjss-89	29	3	mudit	mudit	NOUN
esutjss-89	29	4	and	and	CCONJ
esutjss-89	29	5	shamika	shamika	NOUN
esutjss-89	29	6	(	(	PUNCT
esutjss-89	29	7	2009	2009	NUM
esutjss-89	29	8	)	)	PUNCT
esutjss-89	29	9	,	,	PUNCT
esutjss-89	29	10	one	one	NUM
esutjss-89	29	11	of	of	ADP
esutjss-89	29	12	the	the	DET
esutjss-89	29	13	most	most	ADV
esutjss-89	29	14	relevant	relevant	ADJ
esutjss-89	29	15	issues	issue	NOUN
esutjss-89	29	16	that	that	PRON
esutjss-89	29	17	is	be	AUX
esutjss-89	29	18	related	relate	VERB
esutjss-89	29	19	to	to	ADP
esutjss-89	29	20	inter	inter	ADJ
esutjss-89	29	21	-	-	ADJ
esutjss-89	29	22	temporal	temporal	ADJ
esutjss-89	29	23	substitution	substitution	NOUN
esutjss-89	29	24	is	be	AUX
esutjss-89	29	25	whether	whether	SCONJ
esutjss-89	29	26	bringing	bring	VERB
esutjss-89	29	27	down	down	ADP
esutjss-89	29	28	interest	interest	NOUN
esutjss-89	29	29	rate	rate	NOUN
esutjss-89	29	30	paid	pay	VERB
esutjss-89	29	31	on	on	ADP
esutjss-89	29	32	deposits	deposit	NOUN
esutjss-89	29	33	will	will	AUX
esutjss-89	29	34	encourage	encourage	VERB
esutjss-89	29	35	consumers	consumer	NOUN
esutjss-89	29	36	to	to	PART
esutjss-89	29	37	increase	increase	VERB
esutjss-89	29	38	consumption	consumption	NOUN
esutjss-89	29	39	.	.	PUNCT
esutjss-89	30	1	this	this	PRON
esutjss-89	30	2	therefore	therefore	ADV
esutjss-89	30	3	suggests	suggest	VERB
esutjss-89	30	4	that	that	SCONJ
esutjss-89	30	5	the	the	PRON
esutjss-89	30	6	higher	high	ADJ
esutjss-89	30	7	the	the	DET
esutjss-89	30	8	spread	spread	NOUN
esutjss-89	30	9	,	,	PUNCT
esutjss-89	30	10	the	the	DET
esutjss-89	30	11	higher	high	ADJ
esutjss-89	30	12	will	will	AUX
esutjss-89	30	13	be	be	AUX
esutjss-89	30	14	the	the	DET
esutjss-89	30	15	consumption	consumption	NOUN
esutjss-89	30	16	expenditure	expenditure	NOUN
esutjss-89	30	17	.	.	PUNCT
esutjss-89	31	1	therefore	therefore	ADV
esutjss-89	31	2	,	,	PUNCT
esutjss-89	31	3	a	a	DET
esutjss-89	31	4	comprehensive	comprehensive	ADJ
esutjss-89	31	5	study	study	NOUN
esutjss-89	31	6	of	of	ADP
esutjss-89	31	7	its	its	PRON
esutjss-89	31	8	determinants	determinant	NOUN
esutjss-89	31	9	such	such	ADJ
esutjss-89	31	10	as	as	ADP
esutjss-89	31	11	the	the	DET
esutjss-89	31	12	savings	saving	NOUN
esutjss-89	31	13	rate	rate	NOUN
esutjss-89	31	14	could	could	AUX
esutjss-89	31	15	help	help	VERB
esutjss-89	31	16	an	an	DET
esutjss-89	31	17	economy	economy	NOUN
esutjss-89	31	18	achieve	achieve	VERB
esutjss-89	31	19	stability	stability	NOUN
esutjss-89	31	20	,	,	PUNCT
esutjss-89	31	21	increase	increase	VERB
esutjss-89	31	22	in	in	ADP
esutjss-89	31	23	aggregate	aggregate	ADJ
esutjss-89	31	24	income	income	NOUN
esutjss-89	31	25	and	and	CCONJ
esutjss-89	31	26	high	high	ADJ
esutjss-89	31	27	level	level	NOUN
esutjss-89	31	28	of	of	ADP
esutjss-89	31	29	employment	employment	NOUN
esutjss-89	31	30	of	of	ADP
esutjss-89	31	31	factors	factor	NOUN
esutjss-89	31	32	of	of	ADP
esutjss-89	31	33	production	production	NOUN
esutjss-89	31	34	.	.	PUNCT
esutjss-89	32	1	(	(	PUNCT
esutjss-89	32	2	ezeji	ezeji	PROPN
esutjss-89	32	3	&	&	CCONJ
esutjss-89	32	4	ajudua	ajudua	PROPN
esutjss-89	32	5	,	,	PUNCT
esutjss-89	32	6	2015	2015	NUM
esutjss-89	32	7	)	)	PUNCT
esutjss-89	32	8	.	.	PUNCT
esutjss-89	33	1	thus	thus	ADV
esutjss-89	33	2	,	,	PUNCT
esutjss-89	33	3	from	from	ADP
esutjss-89	33	4	the	the	DET
esutjss-89	33	5	rate	rate	NOUN
esutjss-89	33	6	of	of	ADP
esutjss-89	33	7	interest	interest	NOUN
esutjss-89	33	8	regime	regime	NOUN
esutjss-89	33	9	that	that	PRON
esutjss-89	33	10	is	be	AUX
esutjss-89	33	11	unstable	unstable	ADJ
esutjss-89	33	12	in	in	ADP
esutjss-89	33	13	nigeria	nigeria	PROPN
esutjss-89	33	14	,	,	PUNCT
esutjss-89	33	15	the	the	DET
esutjss-89	33	16	interest	interest	NOUN
esutjss-89	33	17	rate	rate	NOUN
esutjss-89	33	18	keeps	keep	VERB
esutjss-89	33	19	changing	change	VERB
esutjss-89	33	20	and	and	CCONJ
esutjss-89	33	21	such	such	ADJ
esutjss-89	33	22	frequent	frequent	ADJ
esutjss-89	33	23	changes	change	NOUN
esutjss-89	33	24	could	could	AUX
esutjss-89	33	25	affect	affect	VERB
esutjss-89	33	26	savings	saving	NOUN
esutjss-89	33	27	,	,	PUNCT
esutjss-89	33	28	investment	investment	NOUN
esutjss-89	33	29	and	and	CCONJ
esutjss-89	33	30	private	private	ADJ
esutjss-89	33	31	consumption	consumption	NOUN
esutjss-89	33	32	expenditures	expenditure	NOUN
esutjss-89	33	33	,	,	PUNCT
esutjss-89	33	34	which	which	PRON
esutjss-89	33	35	in	in	ADP
esutjss-89	33	36	sequence	sequence	NOUN
esutjss-89	33	37	could	could	AUX
esutjss-89	33	38	impact	impact	VERB
esutjss-89	33	39	on	on	ADP
esutjss-89	33	40	the	the	DET
esutjss-89	33	41	general	general	ADJ
esutjss-89	33	42	economy	economy	NOUN
esutjss-89	33	43	of	of	ADP
esutjss-89	33	44	the	the	DET
esutjss-89	33	45	country	country	NOUN
esutjss-89	33	46	despite	despite	SCONJ
esutjss-89	33	47	the	the	DET
esutjss-89	33	48	huge	huge	ADJ
esutjss-89	33	49	financial	financial	ADJ
esutjss-89	33	50	sector	sector	NOUN
esutjss-89	33	51	reform	reform	NOUN
esutjss-89	33	52	programmes	programme	NOUN
esutjss-89	33	53	.	.	PUNCT
esutjss-89	34	1	this	this	PRON
esutjss-89	34	2	raises	raise	VERB
esutjss-89	34	3	the	the	DET
esutjss-89	34	4	attention	attention	NOUN
esutjss-89	34	5	on	on	ADP
esutjss-89	34	6	the	the	DET
esutjss-89	34	7	impact	impact	NOUN
esutjss-89	34	8	of	of	ADP
esutjss-89	34	9	interest	interest	NOUN
esutjss-89	34	10	rate	rate	NOUN
esutjss-89	34	11	spread	spread	VERB
esutjss-89	34	12	on	on	ADP
esutjss-89	34	13	savings	saving	NOUN
esutjss-89	34	14	in	in	ADP
esutjss-89	34	15	nigeria	nigeria	PROPN
esutjss-89	34	16	.	.	PUNCT
esutjss-89	35	1	it	it	PRON
esutjss-89	35	2	is	be	AUX
esutjss-89	35	3	against	against	ADP
esutjss-89	35	4	this	this	DET
esutjss-89	35	5	perspective	perspective	NOUN
esutjss-89	35	6	that	that	SCONJ
esutjss-89	35	7	this	this	DET
esutjss-89	35	8	study	study	NOUN
esutjss-89	35	9	is	be	AUX
esutjss-89	35	10	germane	germane	NOUN
esutjss-89	35	11	.	.	PUNCT
esutjss-89	36	1	financial	financial	ADJ
esutjss-89	36	2	instability	instability	NOUN
esutjss-89	36	3	in	in	ADP
esutjss-89	36	4	developing	develop	VERB
esutjss-89	36	5	country	country	NOUN
esutjss-89	36	6	like	like	ADP
esutjss-89	36	7	nigeria	nigeria	PROPN
esutjss-89	36	8	,	,	PUNCT
esutjss-89	36	9	has	have	AUX
esutjss-89	36	10	been	be	AUX
esutjss-89	36	11	associated	associate	VERB
esutjss-89	36	12	with	with	ADP
esutjss-89	36	13	serious	serious	ADJ
esutjss-89	36	14	issues	issue	NOUN
esutjss-89	36	15	in	in	ADP
esutjss-89	36	16	the	the	DET
esutjss-89	36	17	financial	financial	ADJ
esutjss-89	36	18	sector	sector	NOUN
esutjss-89	36	19	.	.	PUNCT
esutjss-89	37	1	these	these	DET
esutjss-89	37	2	issues	issue	NOUN
esutjss-89	37	3	have	have	AUX
esutjss-89	37	4	been	be	AUX
esutjss-89	37	5	relatively	relatively	ADV
esutjss-89	37	6	large	large	ADJ
esutjss-89	37	7	in	in	ADP
esutjss-89	37	8	terms	term	NOUN
esutjss-89	37	9	of	of	ADP
esutjss-89	37	10	weak	weak	ADJ
esutjss-89	37	11	public	public	ADJ
esutjss-89	37	12	confidence	confidence	NOUN
esutjss-89	37	13	in	in	ADP
esutjss-89	37	14	financial	financial	ADJ
esutjss-89	37	15	markets	market	NOUN
esutjss-89	37	16	and	and	CCONJ
esutjss-89	37	17	inefficient	inefficient	ADJ
esutjss-89	37	18	financial	financial	ADJ
esutjss-89	37	19	intermediation	intermediation	NOUN
esutjss-89	37	20	,	,	PUNCT
esutjss-89	37	21	posing	pose	VERB
esutjss-89	37	22	great	great	ADJ
esutjss-89	37	23	threat	threat	NOUN
esutjss-89	37	24	to	to	ADP
esutjss-89	37	25	savings	saving	NOUN
esutjss-89	37	26	and	and	CCONJ
esutjss-89	37	27	investment	investment	NOUN
esutjss-89	37	28	(	(	PUNCT
esutjss-89	37	29	kama	kama	PROPN
esutjss-89	37	30	,	,	PUNCT
esutjss-89	37	31	2009	2009	NUM
esutjss-89	37	32	)	)	PUNCT
esutjss-89	37	33	.	.	PUNCT
esutjss-89	38	1	instability	instability	NOUN
esutjss-89	38	2	of	of	ADP
esutjss-89	38	3	financial	financial	ADJ
esutjss-89	38	4	system	system	NOUN
esutjss-89	38	5	could	could	AUX
esutjss-89	38	6	be	be	AUX
esutjss-89	38	7	damaging	damage	VERB
esutjss-89	38	8	to	to	ADP
esutjss-89	38	9	the	the	DET
esutjss-89	38	10	economy	economy	NOUN
esutjss-89	38	11	,	,	PUNCT
esutjss-89	38	12	through	through	ADP
esutjss-89	38	13	a	a	DET
esutjss-89	38	14	wide	wide	ADJ
esutjss-89	38	15	gap	gap	NOUN
esutjss-89	38	16	in	in	ADP
esutjss-89	38	17	interest	interest	NOUN
esutjss-89	38	18	rate	rate	NOUN
esutjss-89	38	19	.	.	PUNCT
esutjss-89	39	1	285	285	NUM
esutjss-89	39	2	furthermore	furthermore	ADV
esutjss-89	39	3	,	,	PUNCT
esutjss-89	39	4	there	there	PRON
esutjss-89	39	5	are	be	VERB
esutjss-89	39	6	various	various	ADJ
esutjss-89	39	7	developmental	developmental	ADJ
esutjss-89	39	8	finance	finance	NOUN
esutjss-89	39	9	schemes	scheme	NOUN
esutjss-89	39	10	that	that	PRON
esutjss-89	39	11	have	have	AUX
esutjss-89	39	12	been	be	AUX
esutjss-89	39	13	introduced	introduce	VERB
esutjss-89	39	14	by	by	ADP
esutjss-89	39	15	cbn	cbn	PROPN
esutjss-89	39	16	to	to	PART
esutjss-89	39	17	specifically	specifically	ADV
esutjss-89	39	18	address	address	VERB
esutjss-89	39	19	problems	problem	NOUN
esutjss-89	39	20	of	of	ADP
esutjss-89	39	21	high	high	ADJ
esutjss-89	39	22	rate	rate	NOUN
esutjss-89	39	23	of	of	ADP
esutjss-89	39	24	lending	lending	NOUN
esutjss-89	39	25	and	and	CCONJ
esutjss-89	39	26	access	access	NOUN
esutjss-89	39	27	to	to	ADP
esutjss-89	39	28	credit	credit	NOUN
esutjss-89	39	29	in	in	ADP
esutjss-89	39	30	nigeria	nigeria	PROPN
esutjss-89	39	31	.	.	PUNCT
esutjss-89	40	1	these	these	DET
esutjss-89	40	2	measures	measure	NOUN
esutjss-89	40	3	include	include	VERB
esutjss-89	40	4	:	:	PUNCT
esutjss-89	40	5	agricultural	agricultural	ADJ
esutjss-89	40	6	credit	credit	NOUN
esutjss-89	40	7	guarantee	guarantee	NOUN
esutjss-89	40	8	scheme	scheme	NOUN
esutjss-89	40	9	fund	fund	NOUN
esutjss-89	40	10	(	(	PUNCT
esutjss-89	40	11	acgs	acgs	PROPN
esutjss-89	40	12	)	)	PUNCT
esutjss-89	40	13	in	in	ADP
esutjss-89	40	14	1978	1978	NUM
esutjss-89	40	15	,	,	PUNCT
esutjss-89	40	16	interest	interest	NOUN
esutjss-89	40	17	rate	rate	NOUN
esutjss-89	40	18	drawback	drawback	NOUN
esutjss-89	40	19	programme	programme	NOUN
esutjss-89	40	20	in	in	ADP
esutjss-89	40	21	2002	2002	NUM
esutjss-89	40	22	,	,	PUNCT
esutjss-89	40	23	the	the	DET
esutjss-89	40	24	commercial	commercial	ADJ
esutjss-89	40	25	agricultural	agricultural	ADJ
esutjss-89	40	26	credit	credit	NOUN
esutjss-89	40	27	scheme	scheme	NOUN
esutjss-89	40	28	(	(	PUNCT
esutjss-89	40	29	cacs	cac	NOUN
esutjss-89	40	30	)	)	PUNCT
esutjss-89	40	31	,	,	PUNCT
esutjss-89	40	32	small	small	ADJ
esutjss-89	40	33	and	and	CCONJ
esutjss-89	40	34	medium	medium	ADJ
esutjss-89	40	35	enterprises	enterprise	NOUN
esutjss-89	40	36	equity	equity	NOUN
esutjss-89	40	37	investment	investment	NOUN
esutjss-89	40	38	scheme	scheme	NOUN
esutjss-89	40	39	(	(	PUNCT
esutjss-89	40	40	smeis	smeis	PROPN
esutjss-89	40	41	)	)	PUNCT
esutjss-89	40	42	in	in	ADP
esutjss-89	40	43	2001	2001	NUM
esutjss-89	40	44	,	,	PUNCT
esutjss-89	40	45	and	and	CCONJ
esutjss-89	40	46	microfinance	microfinance	NOUN
esutjss-89	40	47	policy	policy	NOUN
esutjss-89	40	48	in	in	ADP
esutjss-89	40	49	2004	2004	NUM
esutjss-89	40	50	.	.	PUNCT
esutjss-89	41	1	in	in	ADP
esutjss-89	41	2	2010	2010	NUM
esutjss-89	41	3	,	,	PUNCT
esutjss-89	41	4	the	the	DET
esutjss-89	41	5	central	central	ADJ
esutjss-89	41	6	bank	bank	NOUN
esutjss-89	41	7	,	,	PUNCT
esutjss-89	41	8	injected	inject	VERB
esutjss-89	41	9	n500	n500	PROPN
esutjss-89	41	10	billion	billion	NUM
esutjss-89	41	11	into	into	ADP
esutjss-89	41	12	the	the	DET
esutjss-89	41	13	economy	economy	NOUN
esutjss-89	41	14	as	as	ADP
esutjss-89	41	15	a	a	DET
esutjss-89	41	16	special	special	ADJ
esutjss-89	41	17	intervention	intervention	NOUN
esutjss-89	41	18	fund	fund	NOUN
esutjss-89	41	19	under	under	ADP
esutjss-89	41	20	a	a	DET
esutjss-89	41	21	quantitative	quantitative	ADJ
esutjss-89	41	22	easing	ease	VERB
esutjss-89	41	23	program	program	NOUN
esutjss-89	41	24	to	to	PART
esutjss-89	41	25	ensure	ensure	VERB
esutjss-89	41	26	the	the	DET
esutjss-89	41	27	flow	flow	NOUN
esutjss-89	41	28	of	of	ADP
esutjss-89	41	29	liquidity	liquidity	NOUN
esutjss-89	41	30	to	to	ADP
esutjss-89	41	31	the	the	DET
esutjss-89	41	32	real	real	ADJ
esutjss-89	41	33	economy	economy	NOUN
esutjss-89	41	34	at	at	ADP
esutjss-89	41	35	reasonable	reasonable	ADJ
esutjss-89	41	36	interest	interest	NOUN
esutjss-89	41	37	rates	rate	NOUN
esutjss-89	41	38	.	.	PUNCT
esutjss-89	42	1	these	these	DET
esutjss-89	42	2	measures	measure	NOUN
esutjss-89	42	3	were	be	AUX
esutjss-89	42	4	complemented	complement	VERB
esutjss-89	42	5	by	by	ADP
esutjss-89	42	6	interventions	intervention	NOUN
esutjss-89	42	7	to	to	PART
esutjss-89	42	8	manage	manage	VERB
esutjss-89	42	9	inter	inter	ADJ
esutjss-89	42	10	-	-	ADJ
esutjss-89	42	11	bank	bank	ADJ
esutjss-89	42	12	liquidity	liquidity	NOUN
esutjss-89	42	13	and	and	CCONJ
esutjss-89	42	14	the	the	DET
esutjss-89	42	15	use	use	NOUN
esutjss-89	42	16	of	of	ADP
esutjss-89	42	17	treasury	treasury	PROPN
esutjss-89	42	18	securities	security	NOUN
esutjss-89	42	19	(	(	PUNCT
esutjss-89	42	20	tule	tule	NOUN
esutjss-89	42	21	et	et	PROPN
esutjss-89	42	22	al	al	PROPN
esutjss-89	42	23	,	,	PUNCT
esutjss-89	42	24	2015	2015	NUM
esutjss-89	42	25	)	)	PUNCT
esutjss-89	42	26	studies	study	NOUN
esutjss-89	42	27	such	such	ADJ
esutjss-89	42	28	as	as	ADP
esutjss-89	42	29	newman	newman	PROPN
esutjss-89	42	30	(	(	PUNCT
esutjss-89	42	31	2012	2012	NUM
esutjss-89	42	32	)	)	PUNCT
esutjss-89	42	33	;	;	PUNCT
esutjss-89	42	34	umejiaku	umejiaku	PROPN
esutjss-89	42	35	(	(	PUNCT
esutjss-89	42	36	2011	2011	NUM
esutjss-89	42	37	)	)	PUNCT
esutjss-89	42	38	;	;	PUNCT
esutjss-89	42	39	tule	tule	NOUN
esutjss-89	42	40	et	et	PROPN
esutjss-89	42	41	al	al	PROPN
esutjss-89	42	42	(	(	PUNCT
esutjss-89	42	43	2015	2015	NUM
esutjss-89	42	44	)	)	PUNCT
esutjss-89	42	45	and	and	CCONJ
esutjss-89	42	46	jibrina	jibrina	PROPN
esutjss-89	42	47	,	,	PUNCT
esutjss-89	42	48	iyaji	iyaji	NOUN
esutjss-89	42	49	and	and	CCONJ
esutjss-89	42	50	ejura	ejura	ADV
esutjss-89	42	51	(	(	PUNCT
esutjss-89	42	52	2014	2014	NUM
esutjss-89	42	53	)	)	PUNCT
esutjss-89	42	54	have	have	AUX
esutjss-89	42	55	argued	argue	VERB
esutjss-89	42	56	that	that	SCONJ
esutjss-89	42	57	despite	despite	SCONJ
esutjss-89	42	58	the	the	DET
esutjss-89	42	59	policy	policy	NOUN
esutjss-89	42	60	measures	measure	NOUN
esutjss-89	42	61	put	put	VERB
esutjss-89	42	62	in	in	ADP
esutjss-89	42	63	place	place	NOUN
esutjss-89	42	64	,	,	PUNCT
esutjss-89	42	65	the	the	DET
esutjss-89	42	66	phenomenon	phenomenon	NOUN
esutjss-89	42	67	of	of	ADP
esutjss-89	42	68	high	high	ADJ
esutjss-89	42	69	lending	lending	NOUN
esutjss-89	42	70	rates	rate	NOUN
esutjss-89	42	71	still	still	ADV
esutjss-89	42	72	persists	persist	VERB
esutjss-89	42	73	as	as	SCONJ
esutjss-89	42	74	reflected	reflect	VERB
esutjss-89	42	75	in	in	ADP
esutjss-89	42	76	the	the	DET
esutjss-89	42	77	complaints	complaint	NOUN
esutjss-89	42	78	of	of	ADP
esutjss-89	42	79	manufacturers	manufacturer	NOUN
esutjss-89	42	80	,	,	PUNCT
esutjss-89	42	81	industrialists	industrialist	NOUN
esutjss-89	42	82	,	,	PUNCT
esutjss-89	42	83	and	and	CCONJ
esutjss-89	42	84	small	small	ADJ
esutjss-89	42	85	and	and	CCONJ
esutjss-89	42	86	medium	medium	ADJ
esutjss-89	42	87	-	-	PUNCT
esutjss-89	42	88	sized	sized	ADJ
esutjss-89	42	89	enterprises	enterprise	NOUN
esutjss-89	42	90	(	(	PUNCT
esutjss-89	42	91	sme	sme	NOUN
esutjss-89	42	92	)	)	PUNCT
esutjss-89	42	93	operators	operator	NOUN
esutjss-89	42	94	who	who	PRON
esutjss-89	42	95	consistently	consistently	ADV
esutjss-89	42	96	identify	identify	VERB
esutjss-89	42	97	high	high	ADJ
esutjss-89	42	98	lending	lending	NOUN
esutjss-89	42	99	rates	rate	NOUN
esutjss-89	42	100	as	as	ADP
esutjss-89	42	101	a	a	DET
esutjss-89	42	102	key	key	ADJ
esutjss-89	42	103	contributor	contributor	NOUN
esutjss-89	42	104	to	to	ADP
esutjss-89	42	105	the	the	DET
esutjss-89	42	106	unfavourable	unfavourable	ADJ
esutjss-89	42	107	business	business	NOUN
esutjss-89	42	108	and	and	CCONJ
esutjss-89	42	109	investment	investment	NOUN
esutjss-89	42	110	climate	climate	NOUN
esutjss-89	42	111	in	in	ADP
esutjss-89	42	112	nigeria	nigeria	PROPN
esutjss-89	42	113	.	.	PUNCT
esutjss-89	43	1	a	a	DET
esutjss-89	43	2	strong	strong	ADJ
esutjss-89	43	3	financial	financial	ADJ
esutjss-89	43	4	system	system	NOUN
esutjss-89	43	5	with	with	ADP
esutjss-89	43	6	less	less	ADJ
esutjss-89	43	7	spread	spread	ADJ
esutjss-89	43	8	in	in	ADP
esutjss-89	43	9	interest	interest	NOUN
esutjss-89	43	10	rate	rate	NOUN
esutjss-89	43	11	is	be	AUX
esutjss-89	43	12	still	still	ADV
esutjss-89	43	13	not	not	PART
esutjss-89	43	14	in	in	ADP
esutjss-89	43	15	place	place	NOUN
esutjss-89	43	16	,	,	PUNCT
esutjss-89	43	17	as	as	SCONJ
esutjss-89	43	18	most	most	ADJ
esutjss-89	43	19	people	people	NOUN
esutjss-89	43	20	still	still	ADV
esutjss-89	43	21	do	do	AUX
esutjss-89	43	22	not	not	PART
esutjss-89	43	23	have	have	VERB
esutjss-89	43	24	access	access	NOUN
esutjss-89	43	25	to	to	ADP
esutjss-89	43	26	commercial	commercial	ADJ
esutjss-89	43	27	bank	bank	NOUN
esutjss-89	43	28	credits	credit	NOUN
esutjss-89	43	29	.	.	PUNCT
esutjss-89	44	1	from	from	ADP
esutjss-89	44	2	the	the	DET
esutjss-89	44	3	point	point	NOUN
esutjss-89	44	4	of	of	ADP
esutjss-89	44	5	view	view	NOUN
esutjss-89	44	6	of	of	ADP
esutjss-89	44	7	those	those	PRON
esutjss-89	44	8	who	who	PRON
esutjss-89	44	9	seem	seem	VERB
esutjss-89	44	10	to	to	PART
esutjss-89	44	11	fully	fully	ADV
esutjss-89	44	12	use	use	VERB
esutjss-89	44	13	the	the	DET
esutjss-89	44	14	services	service	NOUN
esutjss-89	44	15	of	of	ADP
esutjss-89	44	16	the	the	DET
esutjss-89	44	17	financial	financial	ADJ
esutjss-89	44	18	sector	sector	NOUN
esutjss-89	44	19	are	be	AUX
esutjss-89	44	20	not	not	PART
esutjss-89	44	21	finding	find	VERB
esutjss-89	44	22	it	it	PRON
esutjss-89	44	23	so	so	ADV
esutjss-89	44	24	easy	easy	ADJ
esutjss-89	44	25	.	.	PUNCT
esutjss-89	45	1	the	the	DET
esutjss-89	45	2	result	result	NOUN
esutjss-89	45	3	of	of	ADP
esutjss-89	45	4	incompetence	incompetence	NOUN
esutjss-89	45	5	in	in	ADP
esutjss-89	45	6	the	the	DET
esutjss-89	45	7	system	system	NOUN
esutjss-89	45	8	of	of	ADP
esutjss-89	45	9	banking	banking	NOUN
esutjss-89	45	10	together	together	ADV
esutjss-89	45	11	with	with	ADP
esutjss-89	45	12	continued	continue	VERB
esutjss-89	45	13	limitation	limitation	NOUN
esutjss-89	45	14	of	of	ADP
esutjss-89	45	15	success	success	NOUN
esutjss-89	45	16	that	that	PRON
esutjss-89	45	17	may	may	AUX
esutjss-89	45	18	have	have	AUX
esutjss-89	45	19	been	be	AUX
esutjss-89	45	20	recorded	record	VERB
esutjss-89	45	21	caused	cause	VERB
esutjss-89	45	22	by	by	ADP
esutjss-89	45	23	corruption	corruption	NOUN
esutjss-89	45	24	.	.	PUNCT
esutjss-89	46	1	according	accord	VERB
esutjss-89	46	2	to	to	ADP
esutjss-89	46	3	kama	kama	PROPN
esutjss-89	46	4	(	(	PUNCT
esutjss-89	46	5	2009	2009	NUM
esutjss-89	46	6	)	)	PUNCT
esutjss-89	46	7	,	,	PUNCT
esutjss-89	46	8	the	the	DET
esutjss-89	46	9	banking	banking	NOUN
esutjss-89	46	10	system	system	NOUN
esutjss-89	46	11	still	still	ADV
esutjss-89	46	12	leaves	leave	VERB
esutjss-89	46	13	out	out	ADP
esutjss-89	46	14	certain	certain	ADJ
esutjss-89	46	15	people	people	NOUN
esutjss-89	46	16	who	who	PRON
esutjss-89	46	17	should	should	AUX
esutjss-89	46	18	have	have	AUX
esutjss-89	46	19	been	be	AUX
esutjss-89	46	20	benefiting	benefit	VERB
esutjss-89	46	21	from	from	ADP
esutjss-89	46	22	the	the	DET
esutjss-89	46	23	interaction	interaction	NOUN
esutjss-89	46	24	created	create	VERB
esutjss-89	46	25	by	by	ADP
esutjss-89	46	26	the	the	DET
esutjss-89	46	27	bridging	bridging	NOUN
esutjss-89	46	28	of	of	ADP
esutjss-89	46	29	financial	financial	ADJ
esutjss-89	46	30	gap	gap	NOUN
esutjss-89	46	31	between	between	ADP
esutjss-89	46	32	lenders	lender	NOUN
esutjss-89	46	33	and	and	CCONJ
esutjss-89	46	34	borrowers	borrower	NOUN
esutjss-89	46	35	of	of	ADP
esutjss-89	46	36	credit	credit	NOUN
esutjss-89	46	37	in	in	ADP
esutjss-89	46	38	the	the	DET
esutjss-89	46	39	economy	economy	NOUN
esutjss-89	46	40	.	.	PUNCT
esutjss-89	47	1	this	this	PRON
esutjss-89	47	2	is	be	AUX
esutjss-89	47	3	indicative	indicative	ADJ
esutjss-89	47	4	of	of	ADP
esutjss-89	47	5	inefficiency	inefficiency	NOUN
esutjss-89	47	6	and	and	CCONJ
esutjss-89	47	7	poor	poor	ADJ
esutjss-89	47	8	performance	performance	NOUN
esutjss-89	47	9	of	of	ADP
esutjss-89	47	10	the	the	DET
esutjss-89	47	11	financial	financial	ADJ
esutjss-89	47	12	system	system	NOUN
esutjss-89	47	13	.	.	PUNCT
esutjss-89	48	1	financial	financial	ADJ
esutjss-89	48	2	sector	sector	NOUN
esutjss-89	48	3	intermediation	intermediation	NOUN
esutjss-89	48	4	inefficiency	inefficiency	NOUN
esutjss-89	48	5	which	which	PRON
esutjss-89	48	6	could	could	AUX
esutjss-89	48	7	result	result	VERB
esutjss-89	48	8	from	from	ADP
esutjss-89	48	9	banking	banking	NOUN
esutjss-89	48	10	crisis	crisis	NOUN
esutjss-89	48	11	,	,	PUNCT
esutjss-89	48	12	not	not	PART
esutjss-89	48	13	only	only	ADV
esutjss-89	48	14	pose	pose	VERB
esutjss-89	48	15	a	a	DET
esutjss-89	48	16	barrier	barrier	NOUN
esutjss-89	48	17	to	to	ADP
esutjss-89	48	18	savings	saving	NOUN
esutjss-89	48	19	and	and	CCONJ
esutjss-89	48	20	investment	investment	NOUN
esutjss-89	48	21	but	but	CCONJ
esutjss-89	48	22	also	also	ADV
esutjss-89	48	23	to	to	ADP
esutjss-89	48	24	consumption	consumption	NOUN
esutjss-89	48	25	expenditure	expenditure	NOUN
esutjss-89	48	26	.	.	PUNCT
esutjss-89	49	1	this	this	PRON
esutjss-89	49	2	is	be	AUX
esutjss-89	49	3	because	because	SCONJ
esutjss-89	49	4	,	,	PUNCT
esutjss-89	49	5	it	it	PRON
esutjss-89	49	6	limits	limit	VERB
esutjss-89	49	7	the	the	DET
esutjss-89	49	8	amount	amount	NOUN
esutjss-89	49	9	of	of	ADP
esutjss-89	49	10	credit	credit	NOUN
esutjss-89	49	11	that	that	PRON
esutjss-89	49	12	goes	go	VERB
esutjss-89	49	13	to	to	ADP
esutjss-89	49	14	households	household	NOUN
esutjss-89	49	15	for	for	ADP
esutjss-89	49	16	the	the	DET
esutjss-89	49	17	purchase	purchase	NOUN
esutjss-89	49	18	of	of	ADP
esutjss-89	49	19	durable	durable	ADJ
esutjss-89	49	20	goods	good	NOUN
esutjss-89	49	21	(	(	PUNCT
esutjss-89	49	22	damar	damar	PROPN
esutjss-89	49	23	,	,	PUNCT
esutjss-89	49	24	gropp	gropp	PROPN
esutjss-89	49	25	&	&	CCONJ
esutjss-89	49	26	mordel	mordel	PROPN
esutjss-89	49	27	,	,	PUNCT
esutjss-89	49	28	2014	2014	NUM
esutjss-89	49	29	)	)	PUNCT
esutjss-89	49	30	.	.	PUNCT
esutjss-89	50	1	for	for	ADP
esutjss-89	50	2	instance	instance	NOUN
esutjss-89	50	3	,	,	PUNCT
esutjss-89	50	4	the	the	DET
esutjss-89	50	5	global	global	ADJ
esutjss-89	50	6	financial	financial	ADJ
esutjss-89	50	7	crisis	crisis	NOUN
esutjss-89	50	8	of	of	ADP
esutjss-89	50	9	2007	2007	NUM
esutjss-89	50	10	and	and	CCONJ
esutjss-89	50	11	2008	2008	NUM
esutjss-89	50	12	which	which	PRON
esutjss-89	50	13	spread	spread	VERB
esutjss-89	50	14	towards	towards	ADP
esutjss-89	50	15	developing	develop	VERB
esutjss-89	50	16	countries	country	NOUN
esutjss-89	50	17	and	and	CCONJ
esutjss-89	50	18	more	more	ADV
esutjss-89	50	19	particularly	particularly	ADV
esutjss-89	50	20	in	in	ADP
esutjss-89	50	21	nigeria	nigeria	PROPN
esutjss-89	50	22	,	,	PUNCT
esutjss-89	50	23	negatively	negatively	ADV
esutjss-89	50	24	affected	affect	VERB
esutjss-89	50	25	household	household	NOUN
esutjss-89	50	26	consumption	consumption	NOUN
esutjss-89	50	27	expenditures	expenditure	NOUN
esutjss-89	50	28	.	.	PUNCT
esutjss-89	51	1	this	this	PRON
esutjss-89	51	2	is	be	AUX
esutjss-89	51	3	reflected	reflect	VERB
esutjss-89	51	4	in	in	ADP
esutjss-89	51	5	available	available	ADJ
esutjss-89	51	6	statistics	statistic	NOUN
esutjss-89	51	7	from	from	ADP
esutjss-89	51	8	cbn	cbn	PROPN
esutjss-89	51	9	(	(	PUNCT
esutjss-89	51	10	2010	2010	NUM
esutjss-89	51	11	)	)	PUNCT
esutjss-89	51	12	which	which	PRON
esutjss-89	51	13	shows	show	VERB
esutjss-89	51	14	a	a	DET
esutjss-89	51	15	sharp	sharp	ADJ
esutjss-89	51	16	downward	downward	ADJ
esutjss-89	51	17	trend	trend	NOUN
esutjss-89	51	18	in	in	ADP
esutjss-89	51	19	private	private	ADJ
esutjss-89	51	20	consumption	consumption	NOUN
esutjss-89	51	21	spending	spending	NOUN
esutjss-89	51	22	.	.	PUNCT
esutjss-89	52	1	for	for	ADP
esutjss-89	52	2	instance	instance	NOUN
esutjss-89	52	3	,	,	PUNCT
esutjss-89	52	4	there	there	PRON
esutjss-89	52	5	was	be	VERB
esutjss-89	52	6	a	a	DET
esutjss-89	52	7	drastic	drastic	ADJ
esutjss-89	52	8	fall	fall	NOUN
esutjss-89	52	9	in	in	ADP
esutjss-89	52	10	private	private	ADJ
esutjss-89	52	11	consumption	consumption	NOUN
esutjss-89	52	12	expenditure	expenditure	NOUN
esutjss-89	52	13	as	as	ADP
esutjss-89	52	14	a	a	DET
esutjss-89	52	15	percentage	percentage	NOUN
esutjss-89	52	16	of	of	ADP
esutjss-89	52	17	total	total	ADJ
esutjss-89	52	18	expenditure	expenditure	NOUN
esutjss-89	52	19	from	from	ADP
esutjss-89	52	20	102.8	102.8	NUM
esutjss-89	52	21	%	%	NOUN
esutjss-89	52	22	in	in	ADP
esutjss-89	52	23	2003	2003	NUM
esutjss-89	52	24	to	to	ADP
esutjss-89	52	25	58.5	58.5	NUM
esutjss-89	52	26	%	%	NOUN
esutjss-89	52	27	in	in	ADP
esutjss-89	52	28	2006	2006	NUM
esutjss-89	52	29	.	.	PUNCT
esutjss-89	53	1	this	this	PRON
esutjss-89	53	2	continuously	continuously	ADV
esutjss-89	53	3	fell	fall	VERB
esutjss-89	53	4	to	to	ADP
esutjss-89	53	5	38.3	38.3	NUM
esutjss-89	53	6	%	%	NOUN
esutjss-89	53	7	and	and	CCONJ
esutjss-89	53	8	31.7	31.7	NUM
esutjss-89	53	9	%	%	NOUN
esutjss-89	53	10	in	in	ADP
esutjss-89	53	11	the	the	DET
esutjss-89	53	12	year	year	NOUN
esutjss-89	53	13	2008	2008	NUM
esutjss-89	53	14	and	and	CCONJ
esutjss-89	53	15	2010	2010	NUM
esutjss-89	53	16	respectively	respectively	ADV
esutjss-89	53	17	.	.	PUNCT
esutjss-89	54	1	the	the	DET
esutjss-89	54	2	central	central	ADJ
esutjss-89	54	3	bank	bank	PROPN
esutjss-89	54	4	of	of	ADP
esutjss-89	54	5	nigeria	nigeria	PROPN
esutjss-89	54	6	has	have	AUX
esutjss-89	54	7	also	also	ADV
esutjss-89	54	8	adopted	adopt	VERB
esutjss-89	54	9	various	various	ADJ
esutjss-89	54	10	measures	measure	NOUN
esutjss-89	54	11	aimed	aim	VERB
esutjss-89	54	12	at	at	ADP
esutjss-89	54	13	solving	solve	VERB
esutjss-89	54	14	the	the	DET
esutjss-89	54	15	problems	problem	NOUN
esutjss-89	54	16	of	of	ADP
esutjss-89	54	17	bank	bank	NOUN
esutjss-89	54	18	inefficiency	inefficiency	NOUN
esutjss-89	54	19	,	,	PUNCT
esutjss-89	54	20	financial	financial	ADJ
esutjss-89	54	21	sector	sector	NOUN
esutjss-89	54	22	crisis	crisis	NOUN
esutjss-89	54	23	and	and	CCONJ
esutjss-89	54	24	to	to	PART
esutjss-89	54	25	boost	boost	VERB
esutjss-89	54	26	the	the	DET
esutjss-89	54	27	performance	performance	NOUN
esutjss-89	54	28	of	of	ADP
esutjss-89	54	29	the	the	DET
esutjss-89	54	30	banking	banking	NOUN
esutjss-89	54	31	system	system	NOUN
esutjss-89	54	32	in	in	ADP
esutjss-89	54	33	terms	term	NOUN
esutjss-89	54	34	of	of	ADP
esutjss-89	54	35	increase	increase	NOUN
esutjss-89	54	36	in	in	ADP
esutjss-89	54	37	savings	saving	NOUN
esutjss-89	54	38	mobilization	mobilization	NOUN
esutjss-89	54	39	.	.	PUNCT
esutjss-89	55	1	some	some	PRON
esutjss-89	55	2	of	of	ADP
esutjss-89	55	3	these	these	DET
esutjss-89	55	4	measures	measure	NOUN
esutjss-89	55	5	are	be	AUX
esutjss-89	55	6	issuance	issuance	NOUN
esutjss-89	55	7	of	of	ADP
esutjss-89	55	8	prudential	prudential	ADJ
esutjss-89	55	9	guidelines	guideline	NOUN
esutjss-89	55	10	for	for	ADP
esutjss-89	55	11	proper	proper	ADJ
esutjss-89	55	12	coordination	coordination	NOUN
esutjss-89	55	13	of	of	ADP
esutjss-89	55	14	banks	bank	NOUN
esutjss-89	55	15	,	,	PUNCT
esutjss-89	55	16	regular	regular	ADJ
esutjss-89	55	17	assessment	assessment	NOUN
esutjss-89	55	18	of	of	ADP
esutjss-89	55	19	the	the	DET
esutjss-89	55	20	banks	bank	NOUN
esutjss-89	55	21	’	’	PART
esutjss-89	55	22	books	book	NOUN
esutjss-89	55	23	and	and	CCONJ
esutjss-89	55	24	supervision	supervision	NOUN
esutjss-89	55	25	of	of	ADP
esutjss-89	55	26	other	other	ADJ
esutjss-89	55	27	banking	banking	NOUN
esutjss-89	55	28	operations	operation	NOUN
esutjss-89	55	29	(	(	PUNCT
esutjss-89	55	30	cbn	cbn	PROPN
esutjss-89	55	31	,	,	PUNCT
esutjss-89	55	32	2009	2009	NUM
esutjss-89	55	33	)	)	PUNCT
esutjss-89	55	34	.	.	PUNCT
esutjss-89	56	1	studies	study	NOUN
esutjss-89	56	2	of	of	ADP
esutjss-89	56	3	various	various	ADJ
esutjss-89	56	4	kind	kind	NOUN
esutjss-89	56	5	have	have	AUX
esutjss-89	56	6	been	be	AUX
esutjss-89	56	7	done	do	VERB
esutjss-89	56	8	on	on	ADP
esutjss-89	56	9	the	the	DET
esutjss-89	56	10	effects	effect	NOUN
esutjss-89	56	11	of	of	ADP
esutjss-89	56	12	interest	interest	NOUN
esutjss-89	56	13	rate	rate	NOUN
esutjss-89	56	14	on	on	ADP
esutjss-89	56	15	definite	definite	ADJ
esutjss-89	56	16	areas	area	NOUN
esutjss-89	56	17	.	.	PUNCT
esutjss-89	57	1	these	these	DET
esutjss-89	57	2	studies	study	NOUN
esutjss-89	57	3	among	among	ADP
esutjss-89	57	4	others	other	NOUN
esutjss-89	57	5	include	include	VERB
esutjss-89	57	6	;	;	PUNCT
esutjss-89	57	7	udonsah	udonsah	X
esutjss-89	57	8	(	(	PUNCT
esutjss-89	57	9	2012	2012	NUM
esutjss-89	57	10	)	)	PUNCT
esutjss-89	57	11	,	,	PUNCT
esutjss-89	57	12	ekwem	ekwem	NOUN
esutjss-89	57	13	(	(	PUNCT
esutjss-89	57	14	2012	2012	NUM
esutjss-89	57	15	)	)	PUNCT
esutjss-89	57	16	,	,	PUNCT
esutjss-89	57	17	udeh	udeh	PROPN
esutjss-89	57	18	and	and	CCONJ
esutjss-89	57	19	nwachuku	nwachuku	ADJ
esutjss-89	57	20	(	(	PUNCT
esutjss-89	57	21	2016	2016	NUM
esutjss-89	57	22	)	)	PUNCT
esutjss-89	57	23	and	and	CCONJ
esutjss-89	57	24	acha	acha	PROPN
esutjss-89	57	25	(	(	PUNCT
esutjss-89	57	26	2011	2011	NUM
esutjss-89	57	27	)	)	PUNCT
esutjss-89	57	28	,	,	PUNCT
esutjss-89	57	29	who	who	PRON
esutjss-89	57	30	studied	study	VERB
esutjss-89	57	31	the	the	DET
esutjss-89	57	32	effect	effect	NOUN
esutjss-89	57	33	of	of	ADP
esutjss-89	57	34	interest	interest	NOUN
esutjss-89	57	35	rates	rate	NOUN
esutjss-89	57	36	on	on	ADP
esutjss-89	57	37	investment	investment	NOUN
esutjss-89	57	38	and	and	CCONJ
esutjss-89	57	39	economic	economic	ADJ
esutjss-89	57	40	growth	growth	NOUN
esutjss-89	57	41	.	.	PUNCT
esutjss-89	58	1	studies	study	NOUN
esutjss-89	58	2	like	like	VERB
esutjss-89	58	3	,	,	PUNCT
esutjss-89	58	4	sayinbola	sayinbola	PROPN
esutjss-89	58	5	,	,	PUNCT
esutjss-89	58	6	sobande	sobande	NOUN
esutjss-89	58	7	,	,	PUNCT
esutjss-89	58	8	and	and	CCONJ
esutjss-89	58	9	adedeji	adedeji	NOUN
esutjss-89	58	10	(	(	PUNCT
esutjss-89	58	11	2012	2012	NUM
esutjss-89	58	12	)	)	PUNCT
esutjss-89	58	13	,	,	PUNCT
esutjss-89	58	14	sakaria	sakaria	NOUN
esutjss-89	58	15	and	and	CCONJ
esutjss-89	58	16	nyambe	nyambe	NOUN
esutjss-89	58	17	(	(	PUNCT
esutjss-89	58	18	2015	2015	NUM
esutjss-89	58	19	)	)	PUNCT
esutjss-89	58	20	,	,	PUNCT
esutjss-89	58	21	and	and	CCONJ
esutjss-89	58	22	savings	saving	NOUN
esutjss-89	58	23	in	in	ADP
esutjss-89	58	24	nigeria	nigeria	PROPN
esutjss-89	58	25	adeyemi	adeyemi	ADV
esutjss-89	58	26	and	and	CCONJ
esutjss-89	58	27	alege	alege	PROPN
esutjss-89	58	28	(	(	PUNCT
esutjss-89	58	29	2013	2013	NUM
esutjss-89	58	30	)	)	PUNCT
esutjss-89	58	31	have	have	AUX
esutjss-89	58	32	exploited	exploit	VERB
esutjss-89	58	33	interest	interest	NOUN
esutjss-89	58	34	rate	rate	NOUN
esutjss-89	58	35	relationship	relationship	NOUN
esutjss-89	58	36	with	with	ADP
esutjss-89	58	37	savings	saving	NOUN
esutjss-89	58	38	,	,	PUNCT
esutjss-89	58	39	interest	interest	NOUN
esutjss-89	58	40	rate	rate	NOUN
esutjss-89	58	41	and	and	CCONJ
esutjss-89	58	42	consumption	consumption	NOUN
esutjss-89	58	43	expenditure	expenditure	NOUN
esutjss-89	58	44	both	both	CCONJ
esutjss-89	58	45	in	in	ADP
esutjss-89	58	46	nigeria	nigeria	PROPN
esutjss-89	58	47	and	and	CCONJ
esutjss-89	58	48	outside	outside	ADP
esutjss-89	58	49	nigeria	nigeria	PROPN
esutjss-89	58	50	.	.	PUNCT
esutjss-89	59	1	however	however	ADV
esutjss-89	59	2	,	,	PUNCT
esutjss-89	59	3	no	no	DET
esutjss-89	59	4	existing	exist	VERB
esutjss-89	59	5	study	study	NOUN
esutjss-89	59	6	to	to	ADP
esutjss-89	59	7	the	the	DET
esutjss-89	59	8	best	good	ADJ
esutjss-89	59	9	of	of	ADP
esutjss-89	59	10	our	our	PRON
esutjss-89	59	11	knowledge	knowledge	NOUN
esutjss-89	59	12	has	have	AUX
esutjss-89	59	13	dealt	deal	VERB
esutjss-89	59	14	with	with	ADP
esutjss-89	59	15	the	the	DET
esutjss-89	59	16	effect	effect	NOUN
esutjss-89	59	17	of	of	ADP
esutjss-89	59	18	interest	interest	NOUN
esutjss-89	59	19	rate	rate	NOUN
esutjss-89	59	20	spread	spread	VERB
esutjss-89	59	21	on	on	ADP
esutjss-89	59	22	savings	saving	NOUN
esutjss-89	59	23	,	,	PUNCT
esutjss-89	59	24	investment	investment	NOUN
esutjss-89	59	25	and	and	CCONJ
esutjss-89	59	26	private	private	ADJ
esutjss-89	59	27	or	or	CCONJ
esutjss-89	59	28	household	household	NOUN
esutjss-89	59	29	consumption	consumption	NOUN
esutjss-89	59	30	.	.	PUNCT
esutjss-89	60	1	from	from	ADP
esutjss-89	60	2	the	the	DET
esutjss-89	60	3	above	above	ADJ
esutjss-89	60	4	studies	study	NOUN
esutjss-89	60	5	,	,	PUNCT
esutjss-89	60	6	this	this	DET
esutjss-89	60	7	study	study	NOUN
esutjss-89	60	8	thus	thus	ADV
esutjss-89	60	9	,	,	PUNCT
esutjss-89	60	10	pursues	pursue	VERB
esutjss-89	60	11	to	to	PART
esutjss-89	60	12	fill	fill	VERB
esutjss-89	60	13	this	this	DET
esutjss-89	60	14	knowledge	knowledge	NOUN
esutjss-89	60	15	gap	gap	NOUN
esutjss-89	60	16	that	that	PRON
esutjss-89	60	17	currently	currently	ADV
esutjss-89	60	18	exists	exist	VERB
esutjss-89	60	19	and	and	CCONJ
esutjss-89	60	20	discover	discover	VERB
esutjss-89	60	21	how	how	SCONJ
esutjss-89	60	22	interest	interest	NOUN
esutjss-89	60	23	rate	rate	NOUN
esutjss-89	60	24	spread	spread	NOUN
esutjss-89	60	25	affects	affect	VERB
esutjss-89	60	26	savings	saving	NOUN
esutjss-89	60	27	,	,	PUNCT
esutjss-89	60	28	investment	investment	NOUN
esutjss-89	60	29	and	and	CCONJ
esutjss-89	60	30	private	private	ADJ
esutjss-89	60	31	consumption	consumption	NOUN
esutjss-89	60	32	in	in	ADP
esutjss-89	60	33	nigeria	nigeria	PROPN
esutjss-89	60	34	.	.	PUNCT
esutjss-89	61	1	empirical	empirical	ADJ
esutjss-89	61	2	literature	literature	PROPN
esutjss-89	61	3	review	review	VERB
esutjss-89	61	4	the	the	DET
esutjss-89	61	5	empirical	empirical	ADJ
esutjss-89	61	6	literature	literature	NOUN
esutjss-89	61	7	on	on	ADP
esutjss-89	61	8	the	the	DET
esutjss-89	61	9	relationship	relationship	NOUN
esutjss-89	61	10	between	between	ADP
esutjss-89	61	11	interest	interest	NOUN
esutjss-89	61	12	rate	rate	NOUN
esutjss-89	61	13	and	and	CCONJ
esutjss-89	61	14	savings	saving	NOUN
esutjss-89	61	15	is	be	AUX
esutjss-89	61	16	vast	vast	ADJ
esutjss-89	61	17	within	within	ADP
esutjss-89	61	18	this	this	DET
esutjss-89	61	19	plethora	plethora	NOUN
esutjss-89	61	20	of	of	ADP
esutjss-89	61	21	literature	literature	NOUN
esutjss-89	61	22	,	,	PUNCT
esutjss-89	61	23	a	a	DET
esutjss-89	61	24	number	number	NOUN
esutjss-89	61	25	of	of	ADP
esutjss-89	61	26	studies	study	NOUN
esutjss-89	61	27	has	have	AUX
esutjss-89	61	28	found	find	VERB
esutjss-89	61	29	positive	positive	ADJ
esutjss-89	61	30	relationship	relationship	NOUN
esutjss-89	61	31	between	between	ADP
esutjss-89	61	32	interest	interest	NOUN
esutjss-89	61	33	rate	rate	NOUN
esutjss-89	61	34	and	and	CCONJ
esutjss-89	61	35	savings	saving	NOUN
esutjss-89	61	36	in	in	ADP
esutjss-89	61	37	nigeria	nigeria	PROPN
esutjss-89	61	38	;	;	PUNCT
esutjss-89	61	39	these	these	DET
esutjss-89	61	40	studies	study	NOUN
esutjss-89	61	41	include	include	VERB
esutjss-89	61	42	,	,	PUNCT
esutjss-89	61	43	udude	udude	ADJ
esutjss-89	61	44	(	(	PUNCT
esutjss-89	61	45	2015	2015	NUM
esutjss-89	61	46	)	)	PUNCT
esutjss-89	61	47	,	,	PUNCT
esutjss-89	61	48	ojeaga	ojeaga	NOUN
esutjss-89	61	49	and	and	CCONJ
esutjss-89	61	50	odejimi	odejimi	PROPN
esutjss-89	61	51	(	(	PUNCT
esutjss-89	61	52	2014	2014	NUM
esutjss-89	61	53	)	)	PUNCT
esutjss-89	61	54	,	,	PUNCT
esutjss-89	61	55	sayinbola	sayinbola	NOUN
esutjss-89	61	56	,	,	PUNCT
esutjss-89	61	57	sobande	sobande	NOUN
esutjss-89	61	58	,	,	PUNCT
esutjss-89	61	59	and	and	CCONJ
esutjss-89	61	60	adedeji	adedeji	NOUN
esutjss-89	61	61	(	(	PUNCT
esutjss-89	61	62	2012	2012	NUM
esutjss-89	61	63	)	)	PUNCT
esutjss-89	61	64	,	,	PUNCT
esutjss-89	61	65	okere	okere	NOUN
esutjss-89	61	66	and	and	CCONJ
esutjss-89	61	67	ndugbu	ndugbu	X
esutjss-89	61	68	(	(	PUNCT
esutjss-89	61	69	2015	2015	NUM
esutjss-89	61	70	)	)	PUNCT
esutjss-89	61	71	,	,	PUNCT
esutjss-89	61	72	and	and	CCONJ
esutjss-89	61	73	davis	davis	PROPN
esutjss-89	61	74	(	(	PUNCT
esutjss-89	61	75	2013	2013	NUM
esutjss-89	61	76	)	)	PUNCT
esutjss-89	61	77	these	these	DET
esutjss-89	61	78	studies	study	NOUN
esutjss-89	61	79	employed	employ	VERB
esutjss-89	61	80	time	time	NOUN
esutjss-89	61	81	series	series	PROPN
esutjss-89	61	82	data	datum	NOUN
esutjss-89	61	83	in	in	ADP
esutjss-89	61	84	the	the	DET
esutjss-89	61	85	analysis	analysis	NOUN
esutjss-89	61	86	of	of	ADP
esutjss-89	61	87	the	the	DET
esutjss-89	61	88	relationship	relationship	NOUN
esutjss-89	61	89	between	between	ADP
esutjss-89	61	90	interest	interest	NOUN
esutjss-89	61	91	rate	rate	NOUN
esutjss-89	61	92	and	and	CCONJ
esutjss-89	61	93	savings	saving	NOUN
esutjss-89	61	94	.	.	PUNCT
esutjss-89	62	1	the	the	DET
esutjss-89	62	2	studies	study	NOUN
esutjss-89	62	3	differ	differ	VERB
esutjss-89	62	4	in	in	ADP
esutjss-89	62	5	methods	method	NOUN
esutjss-89	62	6	of	of	ADP
esutjss-89	62	7	analysis	analysis	NOUN
esutjss-89	62	8	.	.	PUNCT
esutjss-89	63	1	for	for	ADP
esutjss-89	63	2	instance	instance	NOUN
esutjss-89	63	3	,	,	PUNCT
esutjss-89	63	4	udede	udede	ADJ
esutjss-89	63	5	(	(	PUNCT
esutjss-89	63	6	2015	2015	NUM
esutjss-89	63	7	)	)	PUNCT
esutjss-89	63	8	used	use	VERB
esutjss-89	63	9	the	the	DET
esutjss-89	63	10	var	var	NOUN
esutjss-89	63	11	model	model	NOUN
esutjss-89	63	12	in	in	ADP
esutjss-89	63	13	his	his	PRON
esutjss-89	63	14	study	study	NOUN
esutjss-89	63	15	and	and	CCONJ
esutjss-89	63	16	found	find	VERB
esutjss-89	63	17	it	it	PRON
esutjss-89	63	18	useful	useful	ADJ
esutjss-89	63	19	and	and	CCONJ
esutjss-89	63	20	significant	significant	ADJ
esutjss-89	63	21	.	.	PUNCT
esutjss-89	64	1	ojeaga	ojeaga	NOUN
esutjss-89	64	2	(	(	PUNCT
esutjss-89	64	3	2014	2014	NUM
esutjss-89	64	4	)	)	PUNCT
esutjss-89	64	5	employed	employ	VERB
esutjss-89	64	6	the	the	DET
esutjss-89	64	7	quantile	quantile	ADJ
esutjss-89	64	8	regression	regression	NOUN
esutjss-89	64	9	method	method	NOUN
esutjss-89	64	10	in	in	ADP
esutjss-89	64	11	his	his	PRON
esutjss-89	64	12	analysis	analysis	NOUN
esutjss-89	64	13	and	and	CCONJ
esutjss-89	64	14	he	he	PRON
esutjss-89	64	15	discovered	discover	VERB
esutjss-89	64	16	an	an	DET
esutjss-89	64	17	insignificant	insignificant	ADJ
esutjss-89	64	18	result	result	NOUN
esutjss-89	64	19	;	;	PUNCT
esutjss-89	64	20	while	while	SCONJ
esutjss-89	64	21	okere	okere	NOUN
esutjss-89	64	22	and	and	CCONJ
esutjss-89	64	23	ndugbu	ndugbu	X
esutjss-89	64	24	(	(	PUNCT
esutjss-89	64	25	2015	2015	NUM
esutjss-89	64	26	)	)	PUNCT
esutjss-89	64	27	employed	employ	VERB
esutjss-89	64	28	the	the	DET
esutjss-89	64	29	error	error	NOUN
esutjss-89	64	30	correction	correction	NOUN
esutjss-89	64	31	model	model	NOUN
esutjss-89	64	32	in	in	ADP
esutjss-89	64	33	their	their	PRON
esutjss-89	64	34	analysis	analysis	NOUN
esutjss-89	64	35	and	and	CCONJ
esutjss-89	64	36	their	their	PRON
esutjss-89	64	37	results	result	NOUN
esutjss-89	64	38	were	be	AUX
esutjss-89	64	39	significant	significant	ADJ
esutjss-89	64	40	.	.	PUNCT
esutjss-89	65	1	the	the	DET
esutjss-89	65	2	conclusion	conclusion	NOUN
esutjss-89	65	3	is	be	AUX
esutjss-89	65	4	that	that	SCONJ
esutjss-89	65	5	the	the	DET
esutjss-89	65	6	above	above	ADJ
esutjss-89	65	7	mentioned	mention	VERB
esutjss-89	65	8	studies	study	NOUN
esutjss-89	65	9	used	use	VERB
esutjss-89	65	10	time	time	NOUN
esutjss-89	65	11	series	series	PROPN
esutjss-89	65	12	data	datum	NOUN
esutjss-89	65	13	in	in	ADP
esutjss-89	65	14	their	their	PRON
esutjss-89	65	15	analyses	analysis	NOUN
esutjss-89	65	16	,	,	PUNCT
esutjss-89	65	17	they	they	PRON
esutjss-89	65	18	employed	employ	VERB
esutjss-89	65	19	different	different	ADJ
esutjss-89	65	20	methods	method	NOUN
esutjss-89	65	21	and	and	CCONJ
esutjss-89	65	22	found	find	VERB
esutjss-89	65	23	out	out	ADP
esutjss-89	65	24	different	different	ADJ
esutjss-89	65	25	results	result	NOUN
esutjss-89	65	26	in	in	ADP
esutjss-89	65	27	their	their	PRON
esutjss-89	65	28	analysis	analysis	NOUN
esutjss-89	65	29	of	of	ADP
esutjss-89	65	30	the	the	DET
esutjss-89	65	31	relationship	relationship	NOUN
esutjss-89	65	32	between	between	ADP
esutjss-89	65	33	interest	interest	NOUN
esutjss-89	65	34	rate	rate	NOUN
esutjss-89	65	35	and	and	CCONJ
esutjss-89	65	36	savings	saving	NOUN
esutjss-89	65	37	in	in	ADP
esutjss-89	65	38	nigeria	nigeria	PROPN
esutjss-89	65	39	.	.	PUNCT
esutjss-89	66	1	hence	hence	ADV
esutjss-89	66	2	,	,	PUNCT
esutjss-89	66	3	the	the	DET
esutjss-89	66	4	relationship	relationship	NOUN
esutjss-89	66	5	between	between	ADP
esutjss-89	66	6	interest	interest	NOUN
esutjss-89	66	7	rate	rate	NOUN
esutjss-89	66	8	and	and	CCONJ
esutjss-89	66	9	savings	saving	NOUN
esutjss-89	66	10	is	be	AUX
esutjss-89	66	11	inconclusive	inconclusive	ADJ
esutjss-89	66	12	in	in	ADP
esutjss-89	66	13	nigeria	nigeria	PROPN
esutjss-89	66	14	.	.	PUNCT
esutjss-89	67	1	some	some	DET
esutjss-89	67	2	other	other	ADJ
esutjss-89	67	3	studies	study	NOUN
esutjss-89	67	4	discovered	discover	VERB
esutjss-89	67	5	negative	negative	ADJ
esutjss-89	67	6	relationship	relationship	NOUN
esutjss-89	67	7	between	between	ADP
esutjss-89	67	8	interest	interest	NOUN
esutjss-89	67	9	rate	rate	NOUN
esutjss-89	67	10	and	and	CCONJ
esutjss-89	67	11	savings	saving	NOUN
esutjss-89	67	12	.	.	PUNCT
esutjss-89	68	1	these	these	DET
esutjss-89	68	2	studies	study	NOUN
esutjss-89	68	3	include	include	VERB
esutjss-89	68	4	;	;	PUNCT
esutjss-89	68	5	olayemi	olayemi	NOUN
esutjss-89	68	6	(	(	PUNCT
esutjss-89	68	7	2013	2013	NUM
esutjss-89	68	8	)	)	PUNCT
esutjss-89	68	9	,	,	PUNCT
esutjss-89	68	10	onwumere	onwumere	ADV
esutjss-89	68	11	,	,	PUNCT
esutjss-89	68	12	okere	okere	VERB
esutjss-89	68	13	and	and	CCONJ
esutjss-89	68	14	ibe	ibe	VERB
esutjss-89	68	15	(	(	PUNCT
esutjss-89	68	16	2012	2012	NUM
esutjss-89	68	17	)	)	PUNCT
esutjss-89	68	18	,	,	PUNCT
esutjss-89	68	19	edwin	edwin	PROPN
esutjss-89	68	20	(	(	PUNCT
esutjss-89	68	21	2014	2014	NUM
esutjss-89	68	22	)	)	PUNCT
esutjss-89	68	23	,	,	PUNCT
esutjss-89	68	24	olayami	olayami	NOUN
esutjss-89	68	25	and	and	CCONJ
esutjss-89	68	26	jolaosho	jolaosho	PROPN
esutjss-89	68	27	(	(	PUNCT
esutjss-89	68	28	2013	2013	NUM
esutjss-89	68	29	)	)	PUNCT
esutjss-89	68	30	,	,	PUNCT
esutjss-89	68	31	and	and	CCONJ
esutjss-89	68	32	ogwumike	ogwumike	NOUN
esutjss-89	68	33	and	and	CCONJ
esutjss-89	68	34	ofoegbu	ofoegbu	NOUN
esutjss-89	68	35	(	(	PUNCT
esutjss-89	68	36	2012	2012	NUM
esutjss-89	68	37	)	)	PUNCT
esutjss-89	68	38	.	.	PUNCT
esutjss-89	69	1	these	these	DET
esutjss-89	69	2	studies	study	NOUN
esutjss-89	69	3	employed	employ	VERB
esutjss-89	69	4	time	time	NOUN
esutjss-89	69	5	series	series	PROPN
esutjss-89	69	6	data	datum	NOUN
esutjss-89	69	7	in	in	ADP
esutjss-89	69	8	the	the	DET
esutjss-89	69	9	analyses	analysis	NOUN
esutjss-89	69	10	of	of	ADP
esutjss-89	69	11	savings	saving	NOUN
esutjss-89	69	12	and	and	CCONJ
esutjss-89	69	13	interest	interest	NOUN
esutjss-89	69	14	rate	rate	NOUN
esutjss-89	69	15	relationship	relationship	NOUN
esutjss-89	69	16	,	,	PUNCT
esutjss-89	69	17	but	but	CCONJ
esutjss-89	69	18	the	the	DET
esutjss-89	69	19	studies	study	NOUN
esutjss-89	69	20	differ	differ	VERB
esutjss-89	69	21	in	in	ADP
esutjss-89	69	22	terms	term	NOUN
esutjss-89	69	23	of	of	ADP
esutjss-89	69	24	methodology	methodology	NOUN
esutjss-89	69	25	,	,	PUNCT
esutjss-89	69	26	for	for	ADP
esutjss-89	69	27	instance	instance	NOUN
esutjss-89	69	28	olayemi	olayemi	PROPN
esutjss-89	69	29	(	(	PUNCT
esutjss-89	69	30	2013	2013	NUM
esutjss-89	69	31	)	)	PUNCT
esutjss-89	69	32	employed	employ	VERB
esutjss-89	69	33	the	the	DET
esutjss-89	69	34	var	var	NOUN
esutjss-89	69	35	model	model	NOUN
esutjss-89	69	36	in	in	ADP
esutjss-89	69	37	his	his	PRON
esutjss-89	69	38	analysis	analysis	NOUN
esutjss-89	69	39	and	and	CCONJ
esutjss-89	69	40	found	find	VERB
esutjss-89	69	41	a	a	DET
esutjss-89	69	42	significant	significant	ADJ
esutjss-89	69	43	relationship	relationship	NOUN
esutjss-89	69	44	between	between	ADP
esutjss-89	69	45	interest	interest	NOUN
esutjss-89	69	46	rate	rate	NOUN
esutjss-89	69	47	and	and	CCONJ
esutjss-89	69	48	savings	saving	NOUN
esutjss-89	69	49	in	in	ADP
esutjss-89	69	50	nigeria	nigeria	PROPN
esutjss-89	69	51	.	.	PUNCT
esutjss-89	70	1	he	he	PRON
esutjss-89	70	2	also	also	ADV
esutjss-89	70	3	discovered	discover	VERB
esutjss-89	70	4	that	that	SCONJ
esutjss-89	70	5	the	the	DET
esutjss-89	70	6	sign	sign	NOUN
esutjss-89	70	7	of	of	ADP
esutjss-89	70	8	the	the	DET
esutjss-89	70	9	coefficient	coefficient	NOUN
esutjss-89	70	10	of	of	ADP
esutjss-89	70	11	interest	interest	NOUN
esutjss-89	70	12	rate	rate	NOUN
esutjss-89	70	13	was	be	AUX
esutjss-89	70	14	negative	negative	ADJ
esutjss-89	70	15	which	which	PRON
esutjss-89	70	16	implies	imply	VERB
esutjss-89	70	17	that	that	SCONJ
esutjss-89	70	18	there	there	PRON
esutjss-89	70	19	exists	exist	VERB
esutjss-89	70	20	a	a	DET
esutjss-89	70	21	negative	negative	ADJ
esutjss-89	70	22	relationship	relationship	NOUN
esutjss-89	70	23	between	between	ADP
esutjss-89	70	24	interest	interest	NOUN
esutjss-89	70	25	rate	rate	NOUN
esutjss-89	70	26	and	and	CCONJ
esutjss-89	70	27	savings	saving	NOUN
esutjss-89	70	28	in	in	ADP
esutjss-89	70	29	nigeria	nigeria	PROPN
esutjss-89	70	30	.	.	PUNCT
esutjss-89	71	1	on	on	ADP
esutjss-89	71	2	the	the	DET
esutjss-89	71	3	other	other	ADJ
esutjss-89	71	4	hand	hand	NOUN
esutjss-89	71	5	,	,	PUNCT
esutjss-89	71	6	onwumere	onwumere	ADV
esutjss-89	71	7	,	,	PUNCT
esutjss-89	71	8	okere	okere	VERB
esutjss-89	71	9	and	and	CCONJ
esutjss-89	71	10	ibe	ibe	VERB
esutjss-89	71	11	(	(	PUNCT
esutjss-89	71	12	2012	2012	NUM
esutjss-89	71	13	)	)	PUNCT
esutjss-89	71	14	;	;	PUNCT
esutjss-89	71	15	wafure	wafure	NOUN
esutjss-89	71	16	(	(	PUNCT
esutjss-89	71	17	2012	2012	NUM
esutjss-89	71	18	)	)	PUNCT
esutjss-89	71	19	used	use	VERB
esutjss-89	71	20	the	the	DET
esutjss-89	71	21	ordinary	ordinary	ADJ
esutjss-89	71	22	least	least	ADJ
esutjss-89	71	23	square	square	ADJ
esutjss-89	71	24	regression	regression	NOUN
esutjss-89	71	25	model	model	NOUN
esutjss-89	71	26	in	in	ADP
esutjss-89	71	27	their	their	PRON
esutjss-89	71	28	analyses	analysis	NOUN
esutjss-89	71	29	and	and	CCONJ
esutjss-89	71	30	found	find	VERB
esutjss-89	71	31	an	an	DET
esutjss-89	71	32	insignificant	insignificant	ADJ
esutjss-89	71	33	and	and	CCONJ
esutjss-89	71	34	negative	negative	ADJ
esutjss-89	71	35	result	result	NOUN
esutjss-89	71	36	.	.	PUNCT
esutjss-89	72	1	edwin	edwin	PROPN
esutjss-89	72	2	(	(	PUNCT
esutjss-89	72	3	2014	2014	NUM
esutjss-89	72	4	)	)	PUNCT
esutjss-89	72	5	employed	employ	VERB
esutjss-89	72	6	the	the	DET
esutjss-89	72	7	two	two	NUM
esutjss-89	72	8	stage	stage	NOUN
esutjss-89	72	9	least	least	ADJ
esutjss-89	72	10	square	square	ADJ
esutjss-89	72	11	technique	technique	NOUN
esutjss-89	72	12	and	and	CCONJ
esutjss-89	72	13	discovered	discover	VERB
esutjss-89	72	14	that	that	SCONJ
esutjss-89	72	15	there	there	PRON
esutjss-89	72	16	is	be	VERB
esutjss-89	72	17	a	a	DET
esutjss-89	72	18	significant	significant	ADJ
esutjss-89	72	19	negative	negative	ADJ
esutjss-89	72	20	relationship	relationship	NOUN
esutjss-89	72	21	between	between	ADP
esutjss-89	72	22	interest	interest	NOUN
esutjss-89	72	23	rate	rate	NOUN
esutjss-89	72	24	and	and	CCONJ
esutjss-89	72	25	savings	saving	NOUN
esutjss-89	72	26	in	in	ADP
esutjss-89	72	27	nigeria	nigeria	PROPN
esutjss-89	72	28	.	.	PUNCT
esutjss-89	73	1	olayami	olayami	PROPN
esutjss-89	73	2	and	and	CCONJ
esutjss-89	73	3	jolaosho	jolaosho	PROPN
esutjss-89	73	4	(	(	PUNCT
esutjss-89	73	5	2013	2013	NUM
esutjss-89	73	6	)	)	PUNCT
esutjss-89	73	7	employed	employ	VERB
esutjss-89	73	8	the	the	DET
esutjss-89	73	9	vector	vector	NOUN
esutjss-89	73	10	auto	auto	NOUN
esutjss-89	73	11	regressive	regressive	ADJ
esutjss-89	73	12	model	model	NOUN
esutjss-89	73	13	in	in	ADP
esutjss-89	73	14	their	their	PRON
esutjss-89	73	15	analysis	analysis	NOUN
esutjss-89	73	16	and	and	CCONJ
esutjss-89	73	17	discovered	discover	VERB
esutjss-89	73	18	a	a	DET
esutjss-89	73	19	significant	significant	ADJ
esutjss-89	73	20	negative	negative	ADJ
esutjss-89	73	21	result	result	NOUN
esutjss-89	73	22	.	.	PUNCT
esutjss-89	74	1	wafure	wafure	NOUN
esutjss-89	74	2	(	(	PUNCT
esutjss-89	74	3	2012	2012	NUM
esutjss-89	74	4	)	)	PUNCT
esutjss-89	74	5	employed	employ	VERB
esutjss-89	74	6	the	the	DET
esutjss-89	74	7	error	error	NOUN
esutjss-89	74	8	correction	correction	NOUN
esutjss-89	74	9	model	model	NOUN
esutjss-89	74	10	approach	approach	NOUN
esutjss-89	74	11	in	in	ADP
esutjss-89	74	12	his	his	PRON
esutjss-89	74	13	analysis	analysis	NOUN
esutjss-89	74	14	and	and	CCONJ
esutjss-89	74	15	also	also	ADV
esutjss-89	74	16	found	find	VERB
esutjss-89	74	17	a	a	DET
esutjss-89	74	18	significant	significant	ADJ
esutjss-89	74	19	negative	negative	ADJ
esutjss-89	74	20	result	result	NOUN
esutjss-89	74	21	.	.	PUNCT
esutjss-89	75	1	ogwumike	ogwumike	NOUN
esutjss-89	75	2	and	and	CCONJ
esutjss-89	75	3	ofoegbu	ofoegbu	NOUN
esutjss-89	75	4	(	(	PUNCT
esutjss-89	75	5	2012	2012	NUM
esutjss-89	75	6	)	)	PUNCT
esutjss-89	75	7	used	use	VERB
esutjss-89	75	8	autoregressive	autoregressive	ADJ
esutjss-89	75	9	distributed	distribute	VERB
esutjss-89	75	10	lagged	lag	VERB
esutjss-89	75	11	regression	regression	NOUN
esutjss-89	75	12	technique	technique	NOUN
esutjss-89	75	13	but	but	CCONJ
esutjss-89	75	14	their	their	PRON
esutjss-89	75	15	own	own	ADJ
esutjss-89	75	16	result	result	NOUN
esutjss-89	75	17	was	be	AUX
esutjss-89	75	18	insignificant	insignificant	ADJ
esutjss-89	75	19	.	.	PUNCT
esutjss-89	76	1	one	one	NUM
esutjss-89	76	2	of	of	ADP
esutjss-89	76	3	the	the	DET
esutjss-89	76	4	most	most	ADV
esutjss-89	76	5	absorbing	absorbing	ADJ
esutjss-89	76	6	thing	thing	NOUN
esutjss-89	76	7	about	about	ADP
esutjss-89	76	8	this	this	DET
esutjss-89	76	9	studies	study	NOUN
esutjss-89	76	10	is	be	AUX
esutjss-89	76	11	that	that	SCONJ
esutjss-89	76	12	the	the	DET
esutjss-89	76	13	above	above	ADJ
esutjss-89	76	14	mentioned	mention	VERB
esutjss-89	76	15	studies	study	NOUN
esutjss-89	76	16	used	use	VERB
esutjss-89	76	17	the	the	DET
esutjss-89	76	18	same	same	ADJ
esutjss-89	76	19	type	type	NOUN
esutjss-89	76	20	of	of	ADP
esutjss-89	76	21	data	datum	NOUN
esutjss-89	76	22	which	which	PRON
esutjss-89	76	23	is	be	AUX
esutjss-89	76	24	time	time	NOUN
esutjss-89	76	25	series	series	PROPN
esutjss-89	76	26	data	datum	NOUN
esutjss-89	76	27	;	;	PUNCT
esutjss-89	76	28	they	they	PRON
esutjss-89	76	29	employed	employ	VERB
esutjss-89	76	30	different	different	ADJ
esutjss-89	76	31	techniques	technique	NOUN
esutjss-89	76	32	in	in	ADP
esutjss-89	76	33	their	their	PRON
esutjss-89	76	34	analyses	analysis	NOUN
esutjss-89	76	35	of	of	ADP
esutjss-89	76	36	the	the	DET
esutjss-89	76	37	relationship	relationship	NOUN
esutjss-89	76	38	between	between	ADP
esutjss-89	76	39	interest	interest	NOUN
esutjss-89	76	40	rate	rate	NOUN
esutjss-89	76	41	and	and	CCONJ
esutjss-89	76	42	savings	saving	NOUN
esutjss-89	76	43	in	in	ADP
esutjss-89	76	44	nigeria	nigeria	PROPN
esutjss-89	76	45	,	,	PUNCT
esutjss-89	76	46	and	and	CCONJ
esutjss-89	76	47	they	they	PRON
esutjss-89	76	48	made	make	VERB
esutjss-89	76	49	similar	similar	ADJ
esutjss-89	76	50	findings	finding	NOUN
esutjss-89	76	51	in	in	ADP
esutjss-89	76	52	terms	term	NOUN
esutjss-89	76	53	of	of	ADP
esutjss-89	76	54	the	the	DET
esutjss-89	76	55	sign	sign	NOUN
esutjss-89	76	56	of	of	ADP
esutjss-89	76	57	the	the	DET
esutjss-89	76	58	coefficient	coefficient	NOUN
esutjss-89	76	59	of	of	ADP
esutjss-89	76	60	interest	interest	NOUN
esutjss-89	76	61	;	;	PUNCT
esutjss-89	76	62	but	but	CCONJ
esutjss-89	76	63	they	they	PRON
esutjss-89	76	64	discovered	discover	VERB
esutjss-89	76	65	varying	vary	VERB
esutjss-89	76	66	results	result	NOUN
esutjss-89	76	67	in	in	ADP
esutjss-89	76	68	terms	term	NOUN
esutjss-89	76	69	of	of	ADP
esutjss-89	76	70	significance	significance	NOUN
esutjss-89	76	71	.	.	PUNCT
esutjss-89	77	1	287	287	NUM
esutjss-89	77	2	on	on	ADP
esutjss-89	77	3	the	the	DET
esutjss-89	77	4	other	other	ADJ
esutjss-89	77	5	hand	hand	NOUN
esutjss-89	77	6	,	,	PUNCT
esutjss-89	77	7	the	the	DET
esutjss-89	77	8	relationship	relationship	NOUN
esutjss-89	77	9	between	between	ADP
esutjss-89	77	10	interest	interest	NOUN
esutjss-89	77	11	rate	rate	NOUN
esutjss-89	77	12	,	,	PUNCT
esutjss-89	77	13	savings	saving	NOUN
esutjss-89	77	14	and	and	CCONJ
esutjss-89	77	15	economic	economic	ADJ
esutjss-89	77	16	growth	growth	NOUN
esutjss-89	77	17	have	have	AUX
esutjss-89	77	18	been	be	AUX
esutjss-89	77	19	carried	carry	VERB
esutjss-89	77	20	out	out	ADP
esutjss-89	77	21	empirically	empirically	ADV
esutjss-89	77	22	.	.	PUNCT
esutjss-89	78	1	some	some	DET
esutjss-89	78	2	studies	study	NOUN
esutjss-89	78	3	have	have	AUX
esutjss-89	78	4	found	find	VERB
esutjss-89	78	5	a	a	DET
esutjss-89	78	6	positive	positive	ADJ
esutjss-89	78	7	relationship	relationship	NOUN
esutjss-89	78	8	between	between	ADP
esutjss-89	78	9	interest	interest	NOUN
esutjss-89	78	10	rate	rate	NOUN
esutjss-89	78	11	and	and	CCONJ
esutjss-89	78	12	savings	saving	NOUN
esutjss-89	78	13	.	.	PUNCT
esutjss-89	79	1	these	these	DET
esutjss-89	79	2	studies	study	NOUN
esutjss-89	79	3	include	include	VERB
esutjss-89	79	4	irfan	irfan	PROPN
esutjss-89	79	5	et	et	PROPN
esutjss-89	79	6	,	,	PUNCT
esutjss-89	79	7	al	al	PROPN
esutjss-89	79	8	.	.	PROPN
esutjss-89	80	1	(	(	PUNCT
esutjss-89	80	2	2014	2014	NUM
esutjss-89	80	3	)	)	PUNCT
esutjss-89	80	4	,	,	PUNCT
esutjss-89	80	5	douglas	douglas	PROPN
esutjss-89	80	6	,	,	PUNCT
esutjss-89	80	7	and	and	CCONJ
esutjss-89	80	8	ayalew	ayalew	NOUN
esutjss-89	80	9	(	(	PUNCT
esutjss-89	80	10	2013).these	2013).these	NUM
esutjss-89	80	11	studies	study	NOUN
esutjss-89	80	12	used	use	VERB
esutjss-89	80	13	different	different	ADJ
esutjss-89	80	14	type	type	NOUN
esutjss-89	80	15	of	of	ADP
esutjss-89	80	16	data	datum	NOUN
esutjss-89	80	17	and	and	CCONJ
esutjss-89	80	18	different	different	ADJ
esutjss-89	80	19	approaches	approach	NOUN
esutjss-89	80	20	,	,	PUNCT
esutjss-89	80	21	but	but	CCONJ
esutjss-89	80	22	found	find	VERB
esutjss-89	80	23	similar	similar	ADJ
esutjss-89	80	24	result	result	NOUN
esutjss-89	80	25	.	.	PUNCT
esutjss-89	81	1	irfan	irfan	PROPN
esutjss-89	81	2	et	et	PROPN
esutjss-89	81	3	al	al	PROPN
esutjss-89	81	4	(	(	PUNCT
esutjss-89	81	5	2014	2014	NUM
esutjss-89	81	6	)	)	PUNCT
esutjss-89	81	7	,	,	PUNCT
esutjss-89	81	8	used	use	VERB
esutjss-89	81	9	descriptive	descriptive	ADJ
esutjss-89	81	10	statistics	statistic	NOUN
esutjss-89	81	11	and	and	CCONJ
esutjss-89	81	12	error	error	NOUN
esutjss-89	81	13	correction	correction	NOUN
esutjss-89	81	14	model	model	NOUN
esutjss-89	81	15	in	in	ADP
esutjss-89	81	16	their	their	PRON
esutjss-89	81	17	analyses	analysis	NOUN
esutjss-89	81	18	,	,	PUNCT
esutjss-89	81	19	they	they	PRON
esutjss-89	81	20	also	also	ADV
esutjss-89	81	21	discovered	discover	VERB
esutjss-89	81	22	a	a	DET
esutjss-89	81	23	positive	positive	ADJ
esutjss-89	81	24	and	and	CCONJ
esutjss-89	81	25	significant	significant	ADJ
esutjss-89	81	26	relationship	relationship	NOUN
esutjss-89	81	27	between	between	ADP
esutjss-89	81	28	interest	interest	NOUN
esutjss-89	81	29	rate	rate	NOUN
esutjss-89	81	30	and	and	CCONJ
esutjss-89	81	31	savings	saving	NOUN
esutjss-89	81	32	in	in	ADP
esutjss-89	81	33	pakistan	pakistan	PROPN
esutjss-89	81	34	.	.	PUNCT
esutjss-89	82	1	ayalew	ayalew	NOUN
esutjss-89	82	2	(	(	PUNCT
esutjss-89	82	3	2013	2013	NUM
esutjss-89	82	4	)	)	PUNCT
esutjss-89	82	5	,	,	PUNCT
esutjss-89	82	6	used	use	VERB
esutjss-89	82	7	autoregressive	autoregressive	ADJ
esutjss-89	82	8	distributed	distribute	VERB
esutjss-89	82	9	lag	lag	NOUN
esutjss-89	82	10	model	model	NOUN
esutjss-89	82	11	(	(	PUNCT
esutjss-89	82	12	adrl	adrl	PROPN
esutjss-89	82	13	)	)	PUNCT
esutjss-89	82	14	,	,	PUNCT
esutjss-89	82	15	he	he	PRON
esutjss-89	82	16	also	also	ADV
esutjss-89	82	17	discovered	discover	VERB
esutjss-89	82	18	a	a	DET
esutjss-89	82	19	significant	significant	ADJ
esutjss-89	82	20	positive	positive	ADJ
esutjss-89	82	21	relationship	relationship	NOUN
esutjss-89	82	22	between	between	ADP
esutjss-89	82	23	interest	interest	NOUN
esutjss-89	82	24	rate	rate	NOUN
esutjss-89	82	25	and	and	CCONJ
esutjss-89	82	26	savings	saving	NOUN
esutjss-89	82	27	in	in	ADP
esutjss-89	82	28	ethiopia	ethiopia	PROPN
esutjss-89	82	29	.	.	PUNCT
esutjss-89	83	1	previous	previous	ADJ
esutjss-89	83	2	empirical	empirical	ADJ
esutjss-89	83	3	attempts	attempt	NOUN
esutjss-89	83	4	are	be	AUX
esutjss-89	83	5	not	not	PART
esutjss-89	83	6	without	without	ADP
esutjss-89	83	7	some	some	DET
esutjss-89	83	8	limitations	limitation	NOUN
esutjss-89	83	9	.	.	PUNCT
esutjss-89	84	1	from	from	ADP
esutjss-89	84	2	the	the	DET
esutjss-89	84	3	empirical	empirical	ADJ
esutjss-89	84	4	findings	finding	NOUN
esutjss-89	84	5	,	,	PUNCT
esutjss-89	84	6	most	most	ADJ
esutjss-89	84	7	researchers	researcher	NOUN
esutjss-89	84	8	found	find	VERB
esutjss-89	84	9	that	that	SCONJ
esutjss-89	84	10	there	there	PRON
esutjss-89	84	11	is	be	VERB
esutjss-89	84	12	a	a	DET
esutjss-89	84	13	negative	negative	ADJ
esutjss-89	84	14	relationship	relationship	NOUN
esutjss-89	84	15	between	between	ADP
esutjss-89	84	16	interest	interest	NOUN
esutjss-89	84	17	rate	rate	NOUN
esutjss-89	84	18	and	and	CCONJ
esutjss-89	84	19	investment	investment	NOUN
esutjss-89	84	20	in	in	ADP
esutjss-89	84	21	nigeria	nigeria	PROPN
esutjss-89	84	22	while	while	SCONJ
esutjss-89	84	23	some	some	DET
esutjss-89	84	24	others	other	NOUN
esutjss-89	84	25	found	find	VERB
esutjss-89	84	26	out	out	ADP
esutjss-89	84	27	that	that	SCONJ
esutjss-89	84	28	there	there	PRON
esutjss-89	84	29	is	be	VERB
esutjss-89	84	30	a	a	DET
esutjss-89	84	31	negative	negative	ADJ
esutjss-89	84	32	relationship	relationship	NOUN
esutjss-89	84	33	between	between	ADP
esutjss-89	84	34	interest	interest	NOUN
esutjss-89	84	35	rate	rate	NOUN
esutjss-89	84	36	and	and	CCONJ
esutjss-89	84	37	economic	economic	ADJ
esutjss-89	84	38	growth	growth	NOUN
esutjss-89	84	39	.	.	PUNCT
esutjss-89	85	1	from	from	ADP
esutjss-89	85	2	the	the	DET
esutjss-89	85	3	above	above	ADJ
esutjss-89	85	4	review	review	NOUN
esutjss-89	85	5	,	,	PUNCT
esutjss-89	85	6	none	none	NOUN
esutjss-89	85	7	of	of	ADP
esutjss-89	85	8	the	the	DET
esutjss-89	85	9	researchers	researcher	NOUN
esutjss-89	85	10	both	both	CCONJ
esutjss-89	85	11	in	in	ADP
esutjss-89	85	12	nigeria	nigeria	PROPN
esutjss-89	85	13	and	and	CCONJ
esutjss-89	85	14	outside	outside	ADP
esutjss-89	85	15	nigeria	nigeria	PROPN
esutjss-89	85	16	has	have	AUX
esutjss-89	85	17	looked	look	VERB
esutjss-89	85	18	at	at	ADP
esutjss-89	85	19	interest	interest	NOUN
esutjss-89	85	20	rate	rate	NOUN
esutjss-89	85	21	spread	spread	VERB
esutjss-89	85	22	on	on	ADP
esutjss-89	85	23	savings	saving	NOUN
esutjss-89	85	24	.	.	PUNCT
esutjss-89	86	1	it	it	PRON
esutjss-89	86	2	is	be	AUX
esutjss-89	86	3	against	against	ADP
esutjss-89	86	4	this	this	DET
esutjss-89	86	5	backdrop	backdrop	NOUN
esutjss-89	86	6	that	that	SCONJ
esutjss-89	86	7	this	this	DET
esutjss-89	86	8	study	study	NOUN
esutjss-89	86	9	intends	intend	VERB
esutjss-89	86	10	to	to	PART
esutjss-89	86	11	fill	fill	VERB
esutjss-89	86	12	the	the	DET
esutjss-89	86	13	gap	gap	NOUN
esutjss-89	86	14	created	create	VERB
esutjss-89	86	15	by	by	ADP
esutjss-89	86	16	investigating	investigate	VERB
esutjss-89	86	17	the	the	DET
esutjss-89	86	18	impact	impact	NOUN
esutjss-89	86	19	of	of	ADP
esutjss-89	86	20	interest	interest	NOUN
esutjss-89	86	21	rate	rate	NOUN
esutjss-89	86	22	spread	spread	VERB
esutjss-89	86	23	on	on	ADP
esutjss-89	86	24	savings	saving	NOUN
esutjss-89	86	25	in	in	ADP
esutjss-89	86	26	nigeria	nigeria	PROPN
esutjss-89	86	27	.	.	PUNCT
esutjss-89	87	1	theoretical	theoretical	ADJ
esutjss-89	87	2	framework	framework	NOUN
esutjss-89	87	3	,	,	PUNCT
esutjss-89	87	4	model	model	NOUN
esutjss-89	87	5	specification	specification	NOUN
esutjss-89	87	6	and	and	CCONJ
esutjss-89	87	7	data	datum	NOUN
esutjss-89	87	8	sources	source	NOUN
esutjss-89	87	9	the	the	DET
esutjss-89	87	10	paper	paper	NOUN
esutjss-89	87	11	was	be	AUX
esutjss-89	87	12	anchored	anchor	VERB
esutjss-89	87	13	on	on	ADP
esutjss-89	87	14	irving	irving	PROPN
esutjss-89	87	15	fisher	fisher	PROPN
esutjss-89	87	16	’s	’s	PART
esutjss-89	87	17	theory	theory	NOUN
esutjss-89	87	18	of	of	ADP
esutjss-89	87	19	the	the	DET
esutjss-89	87	20	rate	rate	NOUN
esutjss-89	87	21	of	of	ADP
esutjss-89	87	22	interest	interest	NOUN
esutjss-89	87	23	.	.	PUNCT
esutjss-89	88	1	from	from	ADP
esutjss-89	88	2	fishers	fisher	NOUN
esutjss-89	88	3	point	point	NOUN
esutjss-89	88	4	of	of	ADP
esutjss-89	88	5	view	view	NOUN
esutjss-89	88	6	,	,	PUNCT
esutjss-89	88	7	to	to	PART
esutjss-89	88	8	save	save	VERB
esutjss-89	88	9	or	or	CCONJ
esutjss-89	88	10	consume	consume	VERB
esutjss-89	88	11	is	be	AUX
esutjss-89	88	12	a	a	DET
esutjss-89	88	13	decision	decision	NOUN
esutjss-89	88	14	an	an	DET
esutjss-89	88	15	individual	individual	NOUN
esutjss-89	88	16	has	have	VERB
esutjss-89	88	17	to	to	PART
esutjss-89	88	18	make	make	VERB
esutjss-89	88	19	.	.	PUNCT
esutjss-89	89	1	when	when	SCONJ
esutjss-89	89	2	individual	individual	NOUN
esutjss-89	89	3	sees	see	VERB
esutjss-89	89	4	that	that	SCONJ
esutjss-89	89	5	the	the	DET
esutjss-89	89	6	future	future	NOUN
esutjss-89	89	7	is	be	AUX
esutjss-89	89	8	best	good	ADJ
esutjss-89	89	9	,	,	PUNCT
esutjss-89	89	10	they	they	PRON
esutjss-89	89	11	will	will	AUX
esutjss-89	89	12	prefer	prefer	VERB
esutjss-89	89	13	to	to	PART
esutjss-89	89	14	save	save	VERB
esutjss-89	89	15	than	than	ADP
esutjss-89	89	16	current	current	ADJ
esutjss-89	89	17	consumption	consumption	NOUN
esutjss-89	89	18	,	,	PUNCT
esutjss-89	89	19	they	they	PRON
esutjss-89	89	20	will	will	AUX
esutjss-89	89	21	prefer	prefer	VERB
esutjss-89	89	22	to	to	PART
esutjss-89	89	23	consume	consume	VERB
esutjss-89	89	24	small	small	ADJ
esutjss-89	89	25	today	today	NOUN
esutjss-89	89	26	and	and	CCONJ
esutjss-89	89	27	save	save	VERB
esutjss-89	89	28	more	more	ADJ
esutjss-89	89	29	for	for	ADP
esutjss-89	89	30	future	future	ADJ
esutjss-89	89	31	consumption	consumption	NOUN
esutjss-89	89	32	.	.	PUNCT
esutjss-89	90	1	according	accord	VERB
esutjss-89	90	2	to	to	ADP
esutjss-89	90	3	the	the	DET
esutjss-89	90	4	theory	theory	NOUN
esutjss-89	90	5	of	of	ADP
esutjss-89	90	6	interest	interest	NOUN
esutjss-89	90	7	rate	rate	NOUN
esutjss-89	90	8	developed	develop	VERB
esutjss-89	90	9	by	by	ADP
esutjss-89	90	10	fisher	fisher	PROPN
esutjss-89	90	11	,	,	PUNCT
esutjss-89	90	12	the	the	DET
esutjss-89	90	13	interaction	interaction	NOUN
esutjss-89	90	14	of	of	ADP
esutjss-89	90	15	demand	demand	NOUN
esutjss-89	90	16	and	and	CCONJ
esutjss-89	90	17	supply	supply	NOUN
esutjss-89	90	18	for	for	ADP
esutjss-89	90	19	savings	saving	NOUN
esutjss-89	90	20	is	be	AUX
esutjss-89	90	21	the	the	DET
esutjss-89	90	22	determinant	determinant	ADJ
esutjss-89	90	23	of	of	ADP
esutjss-89	90	24	the	the	DET
esutjss-89	90	25	interest	interest	NOUN
esutjss-89	90	26	rate	rate	NOUN
esutjss-89	90	27	in	in	ADP
esutjss-89	90	28	the	the	DET
esutjss-89	90	29	long	long	ADV
esutjss-89	90	30	-	-	PUNCT
esutjss-89	90	31	run	run	NOUN
esutjss-89	90	32	,	,	PUNCT
esutjss-89	90	33	and	and	CCONJ
esutjss-89	90	34	also	also	ADV
esutjss-89	90	35	depend	depend	VERB
esutjss-89	90	36	on	on	ADP
esutjss-89	90	37	productivity	productivity	NOUN
esutjss-89	90	38	of	of	ADP
esutjss-89	90	39	capital	capital	NOUN
esutjss-89	90	40	marginally	marginally	ADV
esutjss-89	90	41	and	and	CCONJ
esutjss-89	90	42	mps	mps	PROPN
esutjss-89	90	43	,	,	PUNCT
esutjss-89	90	44	respectively	respectively	ADV
esutjss-89	90	45	.	.	PUNCT
esutjss-89	91	1	from	from	ADP
esutjss-89	91	2	the	the	DET
esutjss-89	91	3	expression	expression	NOUN
esutjss-89	91	4	of	of	ADP
esutjss-89	91	5	fishers	fisher	NOUN
esutjss-89	91	6	law	law	NOUN
esutjss-89	91	7	,	,	PUNCT
esutjss-89	91	8	the	the	DET
esutjss-89	91	9	relationship	relationship	NOUN
esutjss-89	91	10	between	between	ADP
esutjss-89	91	11	nominal	nominal	ADJ
esutjss-89	91	12	and	and	CCONJ
esutjss-89	91	13	real	real	ADJ
esutjss-89	91	14	interests	interest	NOUN
esutjss-89	91	15	is	be	AUX
esutjss-89	91	16	as	as	SCONJ
esutjss-89	91	17	follows	follow	VERB
esutjss-89	91	18	:	:	PUNCT
esutjss-89	91	19	(	(	PUNCT
esutjss-89	91	20	1	1	NUM
esutjss-89	91	21	+	+	CCONJ
esutjss-89	91	22	)	)	PUNCT
esutjss-89	91	23	=	=	SYM
esutjss-89	91	24	(	(	PUNCT
esutjss-89	91	25	1	1	NUM
esutjss-89	91	26	+	+	CCONJ
esutjss-89	91	27	)	)	PUNCT
esutjss-89	91	28	*	*	PUNCT
esutjss-89	92	1	(	(	PUNCT
esutjss-89	92	2	1	1	NUM
esutjss-89	92	3	+	+	CCONJ
esutjss-89	92	4	)	)	PUNCT
esutjss-89	92	5	(	(	PUNCT
esutjss-89	92	6	1	1	X
esutjss-89	92	7	)	)	PUNCT
esutjss-89	92	8	the	the	DET
esutjss-89	92	9	ex	ex	NOUN
esutjss-89	92	10	-	-	ADJ
esutjss-89	92	11	post	post	ADJ
esutjss-89	92	12	facto	facto	X
esutjss-89	92	13	research	research	NOUN
esutjss-89	92	14	was	be	AUX
esutjss-89	92	15	also	also	ADV
esutjss-89	92	16	adopted	adopt	VERB
esutjss-89	92	17	to	to	PART
esutjss-89	92	18	enable	enable	VERB
esutjss-89	92	19	the	the	DET
esutjss-89	92	20	researchers	researcher	NOUN
esutjss-89	92	21	make	make	VERB
esutjss-89	92	22	use	use	NOUN
esutjss-89	92	23	of	of	ADP
esutjss-89	92	24	secondary	secondary	ADJ
esutjss-89	92	25	data	datum	NOUN
esutjss-89	92	26	to	to	PART
esutjss-89	92	27	determine	determine	VERB
esutjss-89	92	28	the	the	DET
esutjss-89	92	29	cause	cause	VERB
esutjss-89	92	30	-	-	PUNCT
esutjss-89	92	31	effect	effect	NOUN
esutjss-89	92	32	relationship	relationship	NOUN
esutjss-89	92	33	of	of	ADP
esutjss-89	92	34	the	the	DET
esutjss-89	92	35	interest	interest	NOUN
esutjss-89	92	36	rate	rate	NOUN
esutjss-89	92	37	spread	spread	VERB
esutjss-89	92	38	on	on	ADP
esutjss-89	92	39	savings	saving	NOUN
esutjss-89	92	40	,	,	PUNCT
esutjss-89	92	41	in	in	ADP
esutjss-89	92	42	nigeria	nigeria	PROPN
esutjss-89	92	43	,	,	PUNCT
esutjss-89	92	44	and	and	CCONJ
esutjss-89	92	45	to	to	PART
esutjss-89	92	46	determine	determine	VERB
esutjss-89	92	47	the	the	DET
esutjss-89	92	48	relationship	relationship	NOUN
esutjss-89	92	49	between	between	ADP
esutjss-89	92	50	the	the	DET
esutjss-89	92	51	independent	independent	ADJ
esutjss-89	92	52	and	and	CCONJ
esutjss-89	92	53	dependent	dependent	ADJ
esutjss-89	92	54	variables	variable	NOUN
esutjss-89	92	55	with	with	ADP
esutjss-89	92	56	a	a	DET
esutjss-89	92	57	view	view	NOUN
esutjss-89	92	58	to	to	ADP
esutjss-89	92	59	establishing	establish	VERB
esutjss-89	92	60	a	a	DET
esutjss-89	92	61	causal	causal	ADJ
esutjss-89	92	62	link	link	NOUN
esutjss-89	92	63	between	between	ADP
esutjss-89	92	64	them	they	PRON
esutjss-89	92	65	.	.	PUNCT
esutjss-89	93	1	model	model	NOUN
esutjss-89	93	2	specification	specification	NOUN
esutjss-89	94	1	the	the	DET
esutjss-89	94	2	empirical	empirical	ADJ
esutjss-89	94	3	methodology	methodology	NOUN
esutjss-89	94	4	for	for	ADP
esutjss-89	94	5	this	this	DET
esutjss-89	94	6	study	study	NOUN
esutjss-89	94	7	is	be	AUX
esutjss-89	94	8	co	co	NOUN
esutjss-89	94	9	-	-	NOUN
esutjss-89	94	10	integration	integration	NOUN
esutjss-89	94	11	and	and	CCONJ
esutjss-89	94	12	error	error	NOUN
esutjss-89	94	13	correction	correction	NOUN
esutjss-89	94	14	model	model	NOUN
esutjss-89	94	15	.	.	PUNCT
esutjss-89	95	1	the	the	DET
esutjss-89	95	2	data	datum	NOUN
esutjss-89	95	3	for	for	ADP
esutjss-89	95	4	the	the	DET
esutjss-89	95	5	study	study	NOUN
esutjss-89	95	6	were	be	AUX
esutjss-89	95	7	sourced	source	VERB
esutjss-89	95	8	from	from	ADP
esutjss-89	95	9	the	the	DET
esutjss-89	95	10	central	central	ADJ
esutjss-89	95	11	bank	bank	PROPN
esutjss-89	95	12	of	of	ADP
esutjss-89	95	13	nigeria	nigeria	PROPN
esutjss-89	95	14	(	(	PUNCT
esutjss-89	95	15	cbn	cbn	PROPN
esutjss-89	95	16	)	)	PUNCT
esutjss-89	95	17	statistical	statistical	ADJ
esutjss-89	95	18	bulletin	bulletin	NOUN
esutjss-89	95	19	.	.	PUNCT
esutjss-89	96	1	following	follow	VERB
esutjss-89	96	2	and	and	CCONJ
esutjss-89	96	3	modifying	modify	VERB
esutjss-89	96	4	the	the	DET
esutjss-89	96	5	specification	specification	NOUN
esutjss-89	96	6	of	of	ADP
esutjss-89	96	7	udude	udude	ADJ
esutjss-89	96	8	(	(	PUNCT
esutjss-89	96	9	2015	2015	NUM
esutjss-89	96	10	)	)	PUNCT
esutjss-89	96	11	with	with	ADP
esutjss-89	96	12	the	the	DET
esutjss-89	96	13	multiple	multiple	ADJ
esutjss-89	96	14	regressions	regression	NOUN
esutjss-89	96	15	in	in	ADP
esutjss-89	96	16	mind	mind	NOUN
esutjss-89	96	17	,	,	PUNCT
esutjss-89	96	18	this	this	DET
esutjss-89	96	19	study	study	NOUN
esutjss-89	96	20	adopts	adopt	VERB
esutjss-89	96	21	savings	saving	NOUN
esutjss-89	96	22	as	as	ADP
esutjss-89	96	23	a	a	DET
esutjss-89	96	24	function	function	NOUN
esutjss-89	96	25	of	of	ADP
esutjss-89	96	26	the	the	DET
esutjss-89	96	27	specified	specify	VERB
esutjss-89	96	28	explanatory	explanatory	ADJ
esutjss-89	96	29	variables	variable	NOUN
esutjss-89	96	30	.	.	PUNCT
esutjss-89	97	1	the	the	DET
esutjss-89	97	2	model	model	NOUN
esutjss-89	97	3	is	be	AUX
esutjss-89	97	4	specified	specify	VERB
esutjss-89	97	5	thus	thus	ADV
esutjss-89	97	6	:	:	PUNCT
esutjss-89	97	7	sav	sav	PROPN
esutjss-89	97	8	=	=	PUNCT
esutjss-89	97	9	β1	β1	PROPN
esutjss-89	97	10	+	+	CCONJ
esutjss-89	97	11	β2inrs	β2inrs	NOUN
esutjss-89	97	12	+	+	ADJ
esutjss-89	97	13	β3inf	β3inf	ADJ
esutjss-89	98	1	+	+	ADJ
esutjss-89	98	2	β4gdpgrwt	β4gdpgrwt	ADJ
esutjss-89	98	3	+	+	NOUN
esutjss-89	98	4	β5sav_int	β5sav_int	NOUN
esutjss-89	98	5	+	+	ADJ
esutjss-89	98	6	β6exr+μ	β6exr+μ	PROPN
esutjss-89	98	7	(	(	PUNCT
esutjss-89	98	8	2	2	NUM
esutjss-89	98	9	)	)	PUNCT
esutjss-89	98	10	savings	saving	NOUN
esutjss-89	98	11	in	in	ADP
esutjss-89	98	12	nigeria	nigeria	PRON
esutjss-89	98	13	where	where	SCONJ
esutjss-89	98	14	sav	sav	PROPN
esutjss-89	98	15	=	=	SYM
esutjss-89	98	16	savings	saving	NOUN
esutjss-89	98	17	;	;	PUNCT
esutjss-89	98	18	inrs	inrs	NOUN
esutjss-89	98	19	=	=	SYM
esutjss-89	98	20	interest	interest	NOUN
esutjss-89	98	21	rate	rate	NOUN
esutjss-89	98	22	spread	spread	NOUN
esutjss-89	98	23	;	;	PUNCT
esutjss-89	98	24	inf	inf	NOUN
esutjss-89	98	25	=	=	NOUN
esutjss-89	98	26	inflation	inflation	NOUN
esutjss-89	98	27	;	;	PUNCT
esutjss-89	98	28	gdpgrwt	gdpgrwt	NOUN
esutjss-89	98	29	=	=	PUNCT
esutjss-89	98	30	gross	gross	ADJ
esutjss-89	98	31	domestic	domestic	ADJ
esutjss-89	98	32	product	product	NOUN
esutjss-89	98	33	growth	growth	NOUN
esutjss-89	98	34	rate	rate	NOUN
esutjss-89	98	35	,	,	PUNCT
esutjss-89	98	36	sav_int	sav_int	PROPN
esutjss-89	98	37	=	=	SYM
esutjss-89	98	38	savings_interest	savings_inter	ADJ
esutjss-89	98	39	rate	rate	NOUN
esutjss-89	98	40	and	and	CCONJ
esutjss-89	98	41	exr	exr	PROPN
esutjss-89	98	42	=	=	PUNCT
esutjss-89	98	43	exchange	exchange	NOUN
esutjss-89	98	44	rate	rate	NOUN
esutjss-89	98	45	where	where	SCONJ
esutjss-89	98	46	the	the	DET
esutjss-89	98	47	β1	β1	PROPN
esutjss-89	98	48	β2	β2	NOUN
esutjss-89	98	49	β3	β3	VERB
esutjss-89	98	50	β4	β4	PROPN
esutjss-89	98	51	β5	β5	PROPN
esutjss-89	98	52	β6	β6	PROPN
esutjss-89	98	53	are	be	AUX
esutjss-89	98	54	parameters	parameter	NOUN
esutjss-89	98	55	for	for	ADP
esutjss-89	98	56	estimate	estimate	NOUN
esutjss-89	98	57	and	and	CCONJ
esutjss-89	98	58	μ	μ	NOUN
esutjss-89	98	59	is	be	AUX
esutjss-89	98	60	the	the	DET
esutjss-89	98	61	stochastic	stochastic	ADJ
esutjss-89	98	62	error	error	NOUN
esutjss-89	98	63	term	term	NOUN
esutjss-89	98	64	.	.	PUNCT
esutjss-89	99	1	empirical	empirical	ADJ
esutjss-89	99	2	results	result	NOUN
esutjss-89	99	3	,	,	PUNCT
esutjss-89	99	4	analysis	analysis	NOUN
esutjss-89	99	5	and	and	CCONJ
esutjss-89	99	6	discussion	discussion	NOUN
esutjss-89	99	7	of	of	ADP
esutjss-89	99	8	findings	finding	NOUN
esutjss-89	99	9	the	the	DET
esutjss-89	99	10	methodology	methodology	NOUN
esutjss-89	99	11	for	for	ADP
esutjss-89	99	12	the	the	DET
esutjss-89	99	13	empirical	empirical	ADJ
esutjss-89	99	14	analysis	analysis	NOUN
esutjss-89	99	15	is	be	AUX
esutjss-89	99	16	in	in	ADP
esutjss-89	99	17	different	different	ADJ
esutjss-89	99	18	stages	stage	NOUN
esutjss-89	99	19	.	.	PUNCT
esutjss-89	100	1	first	first	ADV
esutjss-89	100	2	,	,	PUNCT
esutjss-89	100	3	the	the	DET
esutjss-89	100	4	annual	annual	ADJ
esutjss-89	100	5	time	time	NOUN
esutjss-89	100	6	series	series	PROPN
esutjss-89	100	7	data	datum	NOUN
esutjss-89	100	8	of	of	ADP
esutjss-89	100	9	all	all	DET
esutjss-89	100	10	the	the	DET
esutjss-89	100	11	variables	variable	NOUN
esutjss-89	100	12	in	in	ADP
esutjss-89	100	13	the	the	DET
esutjss-89	100	14	model	model	NOUN
esutjss-89	100	15	are	be	AUX
esutjss-89	100	16	tested	test	VERB
esutjss-89	100	17	for	for	ADP
esutjss-89	100	18	stationarity	stationarity	NOUN
esutjss-89	100	19	.	.	PUNCT
esutjss-89	101	1	secondly	secondly	ADV
esutjss-89	101	2	,	,	PUNCT
esutjss-89	101	3	the	the	DET
esutjss-89	101	4	variables	variable	NOUN
esutjss-89	101	5	are	be	AUX
esutjss-89	101	6	tested	test	VERB
esutjss-89	101	7	for	for	ADP
esutjss-89	101	8	co	co	NOUN
esutjss-89	101	9	-	-	NOUN
esutjss-89	101	10	integration	integration	NOUN
esutjss-89	101	11	,	,	PUNCT
esutjss-89	101	12	to	to	PART
esutjss-89	101	13	ascertain	ascertain	VERB
esutjss-89	101	14	their	their	PRON
esutjss-89	101	15	convergence	convergence	NOUN
esutjss-89	101	16	status	status	NOUN
esutjss-89	101	17	.	.	PUNCT
esutjss-89	102	1	the	the	DET
esutjss-89	102	2	error	error	NOUN
esutjss-89	102	3	correction	correction	NOUN
esutjss-89	102	4	methodology	methodology	NOUN
esutjss-89	102	5	(	(	PUNCT
esutjss-89	102	6	ecm	ecm	PROPN
esutjss-89	102	7	)	)	PUNCT
esutjss-89	102	8	was	be	AUX
esutjss-89	102	9	employed	employ	VERB
esutjss-89	102	10	.	.	PUNCT
esutjss-89	103	1	ecm	ecm	NOUN
esutjss-89	103	2	is	be	AUX
esutjss-89	103	3	a	a	DET
esutjss-89	103	4	means	means	NOUN
esutjss-89	103	5	of	of	ADP
esutjss-89	103	6	reconciling	reconcile	VERB
esutjss-89	103	7	the	the	DET
esutjss-89	103	8	short	short	ADJ
esutjss-89	103	9	-	-	PUNCT
esutjss-89	103	10	run	run	NOUN
esutjss-89	103	11	behaviour	behaviour	NOUN
esutjss-89	103	12	of	of	ADP
esutjss-89	103	13	an	an	DET
esutjss-89	103	14	economic	economic	ADJ
esutjss-89	103	15	variable	variable	NOUN
esutjss-89	103	16	with	with	ADP
esutjss-89	103	17	its	its	PRON
esutjss-89	103	18	long	long	ADV
esutjss-89	103	19	-	-	PUNCT
esutjss-89	103	20	run	run	NOUN
esutjss-89	103	21	behaviour	behaviour	NOUN
esutjss-89	103	22	.	.	PUNCT
esutjss-89	104	1	to	to	PART
esutjss-89	104	2	put	put	VERB
esutjss-89	104	3	the	the	DET
esutjss-89	104	4	time	time	NOUN
esutjss-89	104	5	series	series	PROPN
esutjss-89	104	6	data	datum	NOUN
esutjss-89	104	7	to	to	PART
esutjss-89	104	8	be	be	AUX
esutjss-89	104	9	used	use	VERB
esutjss-89	104	10	for	for	ADP
esutjss-89	104	11	this	this	DET
esutjss-89	104	12	analysis	analysis	NOUN
esutjss-89	104	13	in	in	ADP
esutjss-89	104	14	good	good	ADJ
esutjss-89	104	15	structure	structure	NOUN
esutjss-89	104	16	,	,	PUNCT
esutjss-89	104	17	the	the	DET
esutjss-89	104	18	estimation	estimation	NOUN
esutjss-89	104	19	will	will	AUX
esutjss-89	104	20	begin	begin	VERB
esutjss-89	104	21	with	with	ADP
esutjss-89	104	22	the	the	DET
esutjss-89	104	23	descriptive	descriptive	ADJ
esutjss-89	104	24	analysis	analysis	NOUN
esutjss-89	104	25	,	,	PUNCT
esutjss-89	104	26	unit	unit	NOUN
esutjss-89	104	27	root	root	NOUN
esutjss-89	104	28	or	or	CCONJ
esutjss-89	104	29	stationarity	stationarity	NOUN
esutjss-89	104	30	test	test	NOUN
esutjss-89	104	31	and	and	CCONJ
esutjss-89	104	32	the	the	DET
esutjss-89	104	33	co	co	NOUN
esutjss-89	104	34	-	-	NOUN
esutjss-89	104	35	integration	integration	NOUN
esutjss-89	104	36	analyses	analysis	NOUN
esutjss-89	104	37	of	of	ADP
esutjss-89	104	38	the	the	DET
esutjss-89	104	39	time	time	NOUN
esutjss-89	104	40	series	series	PROPN
esutjss-89	104	41	data	data	PROPN
esutjss-89	104	42	.	.	PUNCT
esutjss-89	105	1	these	these	DET
esutjss-89	105	2	processes	process	NOUN
esutjss-89	105	3	enable	enable	VERB
esutjss-89	105	4	the	the	DET
esutjss-89	105	5	researcher	researcher	NOUN
esutjss-89	105	6	to	to	PART
esutjss-89	105	7	carry	carry	VERB
esutjss-89	105	8	out	out	ADP
esutjss-89	105	9	some	some	DET
esutjss-89	105	10	predetermined	predetermined	ADJ
esutjss-89	105	11	operations	operation	NOUN
esutjss-89	105	12	,	,	PUNCT
esutjss-89	105	13	so	so	SCONJ
esutjss-89	105	14	as	as	SCONJ
esutjss-89	105	15	to	to	PART
esutjss-89	105	16	minimize	minimize	VERB
esutjss-89	105	17	estimation	estimation	NOUN
esutjss-89	105	18	errors	error	NOUN
esutjss-89	105	19	and	and	CCONJ
esutjss-89	105	20	achieve	achieve	VERB
esutjss-89	105	21	the	the	DET
esutjss-89	105	22	unbiased	unbiased	ADJ
esutjss-89	105	23	estimator	estimator	NOUN
esutjss-89	105	24	of	of	ADP
esutjss-89	105	25	the	the	DET
esutjss-89	105	26	models	model	NOUN
esutjss-89	105	27	analyses	analysis	NOUN
esutjss-89	105	28	.	.	PUNCT
esutjss-89	106	1	table	table	NOUN
esutjss-89	106	2	4.1	4.1	NUM
esutjss-89	106	3	presents	present	VERB
esutjss-89	106	4	the	the	DET
esutjss-89	106	5	descriptive	descriptive	ADJ
esutjss-89	106	6	statistics	statistic	NOUN
esutjss-89	106	7	table	table	NOUN
esutjss-89	106	8	1	1	NUM
esutjss-89	106	9	:	:	PUNCT
esutjss-89	106	10	descriptive	descriptive	ADJ
esutjss-89	106	11	statistics	statistic	NOUN
esutjss-89	106	12	of	of	ADP
esutjss-89	106	13	the	the	DET
esutjss-89	106	14	variables	variable	NOUN
esutjss-89	106	15	variable	variable	ADJ
esutjss-89	106	16	obs	obs	NOUN
esutjss-89	106	17	mean	mean	VERB
esutjss-89	106	18	std	std	PROPN
esutjss-89	106	19	.	.	PROPN
esutjss-89	107	1	dev	dev	PROPN
esutjss-89	107	2	.	.	PUNCT
esutjss-89	108	1	min	min	PROPN
esutjss-89	108	2	max	max	PROPN
esutjss-89	108	3	gdp	gdp	PROPN
esutjss-89	108	4	35	35	NUM
esutjss-89	108	5	17827.15	17827.15	NUM
esutjss-89	108	6	28092.36	28092.36	NUM
esutjss-89	108	7	94.32502	94.32502	NUM
esutjss-89	108	8	94144.96	94144.96	NUM
esutjss-89	108	9	saving	save	VERB
esutjss-89	108	10	35	35	NUM
esutjss-89	108	11	2072.17	2072.17	NUM
esutjss-89	108	12	3457.95	3457.95	NUM
esutjss-89	108	13	6.56	6.56	NUM
esutjss-89	108	14	12008.21	12008.21	NUM
esutjss-89	108	15	saveratio	saveratio	NOUN
esutjss-89	108	16	35	35	NUM
esutjss-89	108	17	8.82	8.82	NUM
esutjss-89	108	18	3.83	3.83	NUM
esutjss-89	108	19	3.34	3.34	NUM
esutjss-89	108	20	23.25	23.25	NUM
esutjss-89	108	21	investment	investment	NOUN
esutjss-89	108	22	35	35	NUM
esutjss-89	108	23	2207041.00	2207041.00	NUM
esutjss-89	108	24	4156779.00	4156779.00	NUM
esutjss-89	108	25	8799.48	8799.48	NUM
esutjss-89	108	26	14100000.00	14100000.00	NUM
esutjss-89	108	27	pce	pce	PROPN
esutjss-89	108	28	35	35	NUM
esutjss-89	108	29	11800000.00	11800000.00	NUM
esutjss-89	108	30	19800000.00	19800000.00	NUM
esutjss-89	108	31	28574.86	28574.86	NUM
esutjss-89	108	32	73800000.00	73800000.00	NUM
esutjss-89	108	33	inf	inf	NOUN
esutjss-89	108	34	35	35	NUM
esutjss-89	108	35	19.72	19.72	NUM
esutjss-89	108	36	17.94	17.94	NUM
esutjss-89	108	37	5.38	5.38	NUM
esutjss-89	108	38	72.84	72.84	NUM
esutjss-89	108	39	sav_int	sav_int	NOUN
esutjss-89	108	40	35	35	NUM
esutjss-89	108	41	7.64	7.64	NUM
esutjss-89	108	42	5.16	5.16	NUM
esutjss-89	108	43	1.41	1.41	NUM
esutjss-89	108	44	18.80	18.80	NUM
esutjss-89	108	45	spread	spread	VERB
esutjss-89	108	46	35	35	NUM
esutjss-89	108	47	13.57	13.57	NUM
esutjss-89	108	48	7.29	7.29	NUM
esutjss-89	108	49	2.25	2.25	NUM
esutjss-89	108	50	26.04	26.04	NUM
esutjss-89	108	51	lngdp	lngdp	NOUN
esutjss-89	108	52	35	35	NUM
esutjss-89	108	53	8.06	8.06	NUM
esutjss-89	108	54	2.29	2.29	NUM
esutjss-89	108	55	4.546746	4.546746	NUM
esutjss-89	108	56	11.45	11.45	NUM
esutjss-89	108	57	lnsaving	lnsave	VERB
esutjss-89	108	58	35	35	NUM
esutjss-89	108	59	5.55	5.55	NUM
esutjss-89	108	60	2.44	2.44	NUM
esutjss-89	108	61	1.880991	1.880991	NUM
esutjss-89	108	62	9.39	9.39	NUM
esutjss-89	108	63	lninvestment	lninvestment	NOUN
esutjss-89	108	64	35	35	NUM
esutjss-89	108	65	12.50	12.50	NUM
esutjss-89	108	66	2.36	2.36	NUM
esutjss-89	108	67	9.082448	9.082448	NUM
esutjss-89	108	68	16.46	16.46	NUM
esutjss-89	108	69	lncons	lncon	NOUN
esutjss-89	108	70	35	35	NUM
esutjss-89	108	71	7.36	7.36	NUM
esutjss-89	108	72	2.55	2.55	NUM
esutjss-89	108	73	3.352527	3.352527	NUM
esutjss-89	108	74	11.21	11.21	NUM
esutjss-89	108	75	gpdgrwt	gpdgrwt	NOUN
esutjss-89	108	76	34	34	NUM
esutjss-89	108	77	0.20	0.20	NUM
esutjss-89	108	78	0.19	0.19	NUM
esutjss-89	108	79	-0.0488682	-0.0488682	NOUN
esutjss-89	108	80	0.79	0.79	NUM
esutjss-89	108	81	exr	exr	PROPN
esutjss-89	108	82	35	35	NUM
esutjss-89	108	83	71.14	71.14	NUM
esutjss-89	108	84	65.89	65.89	NUM
esutjss-89	108	85	0.61	0.61	NUM
esutjss-89	108	86	194.00	194.00	NUM
esutjss-89	108	87	source	source	NOUN
esutjss-89	108	88	:	:	PUNCT
esutjss-89	108	89	author	author	NOUN
esutjss-89	108	90	’s	’s	PART
esutjss-89	108	91	computation	computation	NOUN
esutjss-89	108	92	from	from	ADP
esutjss-89	108	93	eviews	eviews	PROPN
esutjss-89	108	94	11.0	11.0	NUM
esutjss-89	108	95	from	from	ADP
esutjss-89	108	96	the	the	DET
esutjss-89	108	97	results	result	NOUN
esutjss-89	108	98	above	above	ADV
esutjss-89	108	99	,	,	PUNCT
esutjss-89	108	100	the	the	DET
esutjss-89	108	101	mean	mean	ADJ
esutjss-89	108	102	value	value	NOUN
esutjss-89	108	103	of	of	ADP
esutjss-89	108	104	each	each	DET
esutjss-89	108	105	variable	variable	NOUN
esutjss-89	108	106	represents	represent	VERB
esutjss-89	108	107	its	its	PRON
esutjss-89	108	108	average	average	ADJ
esutjss-89	108	109	,	,	PUNCT
esutjss-89	108	110	the	the	DET
esutjss-89	108	111	maximum	maximum	ADJ
esutjss-89	108	112	and	and	CCONJ
esutjss-89	108	113	minimum	minimum	NOUN
esutjss-89	108	114	value	value	NOUN
esutjss-89	108	115	shows	show	VERB
esutjss-89	108	116	the	the	DET
esutjss-89	108	117	highest	high	ADJ
esutjss-89	108	118	and	and	CCONJ
esutjss-89	108	119	the	the	DET
esutjss-89	108	120	lowest	low	ADJ
esutjss-89	108	121	figures	figure	NOUN
esutjss-89	108	122	of	of	ADP
esutjss-89	108	123	each	each	DET
esutjss-89	108	124	variable	variable	NOUN
esutjss-89	108	125	respectively	respectively	ADV
esutjss-89	108	126	.	.	PUNCT
esutjss-89	109	1	the	the	DET
esutjss-89	109	2	results	result	NOUN
esutjss-89	109	3	of	of	ADP
esutjss-89	109	4	the	the	DET
esutjss-89	109	5	descriptive	descriptive	ADJ
esutjss-89	109	6	statistics	statistic	NOUN
esutjss-89	109	7	show	show	VERB
esutjss-89	109	8	that	that	SCONJ
esutjss-89	109	9	all	all	DET
esutjss-89	109	10	the	the	DET
esutjss-89	109	11	variables	variable	NOUN
esutjss-89	109	12	are	be	AUX
esutjss-89	109	13	normally	normally	ADV
esutjss-89	109	14	distributed	distribute	VERB
esutjss-89	109	15	,	,	PUNCT
esutjss-89	109	16	having	have	VERB
esutjss-89	109	17	289	289	NUM
esutjss-89	109	18	large	large	ADJ
esutjss-89	109	19	values	value	NOUN
esutjss-89	109	20	of	of	ADP
esutjss-89	109	21	standard	standard	ADJ
esutjss-89	109	22	deviation	deviation	NOUN
esutjss-89	109	23	.	.	PUNCT
esutjss-89	110	1	the	the	DET
esutjss-89	110	2	mean	mean	NOUN
esutjss-89	110	3	of	of	ADP
esutjss-89	110	4	the	the	DET
esutjss-89	110	5	average	average	ADJ
esutjss-89	110	6	gross	gross	ADJ
esutjss-89	110	7	domestic	domestic	ADJ
esutjss-89	110	8	product	product	NOUN
esutjss-89	110	9	(	(	PUNCT
esutjss-89	110	10	gdp	gdp	NOUN
esutjss-89	110	11	)	)	PUNCT
esutjss-89	110	12	is	be	AUX
esutjss-89	110	13	17827.15	17827.15	NUM
esutjss-89	110	14	,	,	PUNCT
esutjss-89	110	15	while	while	SCONJ
esutjss-89	110	16	the	the	DET
esutjss-89	110	17	minimum	minimum	NOUN
esutjss-89	110	18	is	be	AUX
esutjss-89	110	19	94.32502	94.32502	NUM
esutjss-89	110	20	and	and	CCONJ
esutjss-89	110	21	the	the	DET
esutjss-89	110	22	maximum	maximum	ADJ
esutjss-89	110	23	94144.96	94144.96	NUM
esutjss-89	110	24	and	and	CCONJ
esutjss-89	110	25	standard	standard	ADJ
esutjss-89	110	26	deviation	deviation	NOUN
esutjss-89	110	27	is	be	AUX
esutjss-89	110	28	28092.36	28092.36	NUM
esutjss-89	110	29	.	.	PUNCT
esutjss-89	111	1	the	the	DET
esutjss-89	111	2	mean	mean	ADJ
esutjss-89	111	3	value	value	NOUN
esutjss-89	111	4	of	of	ADP
esutjss-89	111	5	savings	saving	NOUN
esutjss-89	111	6	(	(	PUNCT
esutjss-89	111	7	sav	sav	X
esutjss-89	111	8	)	)	PUNCT
esutjss-89	111	9	is	be	AUX
esutjss-89	111	10	2072.17	2072.17	NUM
esutjss-89	111	11	,	,	PUNCT
esutjss-89	111	12	the	the	DET
esutjss-89	111	13	minimum	minimum	NOUN
esutjss-89	111	14	is	be	AUX
esutjss-89	111	15	6.56	6.56	NUM
esutjss-89	111	16	and	and	CCONJ
esutjss-89	111	17	maximum	maximum	NOUN
esutjss-89	111	18	of	of	ADP
esutjss-89	111	19	12008.21	12008.21	NUM
esutjss-89	111	20	,	,	PUNCT
esutjss-89	111	21	with	with	ADP
esutjss-89	111	22	a	a	DET
esutjss-89	111	23	standard	standard	ADJ
esutjss-89	111	24	deviation	deviation	NOUN
esutjss-89	111	25	of	of	ADP
esutjss-89	111	26	3457.95	3457.95	NUM
esutjss-89	111	27	.	.	PUNCT
esutjss-89	112	1	the	the	DET
esutjss-89	112	2	mean	mean	ADJ
esutjss-89	112	3	value	value	NOUN
esutjss-89	112	4	of	of	ADP
esutjss-89	112	5	investment	investment	NOUN
esutjss-89	112	6	(	(	PUNCT
esutjss-89	112	7	inv	inv	PROPN
esutjss-89	112	8	)	)	PUNCT
esutjss-89	112	9	is	be	AUX
esutjss-89	112	10	2207041.00	2207041.00	NUM
esutjss-89	112	11	,	,	PUNCT
esutjss-89	112	12	the	the	DET
esutjss-89	112	13	minimum	minimum	NOUN
esutjss-89	112	14	is	be	AUX
esutjss-89	112	15	8799.48	8799.48	NUM
esutjss-89	112	16	and	and	CCONJ
esutjss-89	112	17	maximum	maximum	NOUN
esutjss-89	112	18	of	of	ADP
esutjss-89	112	19	14100000.00	14100000.00	NUM
esutjss-89	112	20	,	,	PUNCT
esutjss-89	112	21	with	with	ADP
esutjss-89	112	22	a	a	DET
esutjss-89	112	23	standard	standard	ADJ
esutjss-89	112	24	deviation	deviation	NOUN
esutjss-89	112	25	of	of	ADP
esutjss-89	112	26	4156779.00	4156779.00	NUM
esutjss-89	112	27	.	.	PUNCT
esutjss-89	113	1	the	the	DET
esutjss-89	113	2	mean	mean	ADJ
esutjss-89	113	3	value	value	NOUN
esutjss-89	113	4	of	of	ADP
esutjss-89	113	5	private	private	ADJ
esutjss-89	113	6	consumption	consumption	NOUN
esutjss-89	113	7	expenditure	expenditure	NOUN
esutjss-89	113	8	(	(	PUNCT
esutjss-89	113	9	pce	pce	PROPN
esutjss-89	113	10	)	)	PUNCT
esutjss-89	113	11	is	be	AUX
esutjss-89	113	12	11800000.00	11800000.00	NUM
esutjss-89	113	13	,	,	PUNCT
esutjss-89	113	14	the	the	DET
esutjss-89	113	15	minimum	minimum	NOUN
esutjss-89	113	16	28574.86	28574.86	NUM
esutjss-89	113	17	and	and	CCONJ
esutjss-89	113	18	maximum	maximum	NOUN
esutjss-89	113	19	of	of	ADP
esutjss-89	113	20	73850.00	73850.00	NUM
esutjss-89	113	21	,	,	PUNCT
esutjss-89	113	22	with	with	ADP
esutjss-89	113	23	a	a	DET
esutjss-89	113	24	standard	standard	ADJ
esutjss-89	113	25	deviation	deviation	NOUN
esutjss-89	113	26	of	of	ADP
esutjss-89	113	27	1980000.00	1980000.00	NUM
esutjss-89	113	28	.	.	PUNCT
esutjss-89	114	1	the	the	DET
esutjss-89	114	2	mean	mean	ADJ
esutjss-89	114	3	value	value	NOUN
esutjss-89	114	4	of	of	ADP
esutjss-89	114	5	inflation	inflation	NOUN
esutjss-89	114	6	(	(	PUNCT
esutjss-89	114	7	inf	inf	NOUN
esutjss-89	114	8	)	)	PUNCT
esutjss-89	114	9	is	be	AUX
esutjss-89	114	10	19.72	19.72	NUM
esutjss-89	114	11	,	,	PUNCT
esutjss-89	114	12	the	the	DET
esutjss-89	114	13	minimum	minimum	NOUN
esutjss-89	114	14	is	be	AUX
esutjss-89	114	15	5.38	5.38	NUM
esutjss-89	114	16	and	and	CCONJ
esutjss-89	114	17	maximum	maximum	NOUN
esutjss-89	114	18	of	of	ADP
esutjss-89	114	19	72.84	72.84	NUM
esutjss-89	114	20	,	,	PUNCT
esutjss-89	114	21	with	with	ADP
esutjss-89	114	22	a	a	DET
esutjss-89	114	23	standard	standard	ADJ
esutjss-89	114	24	deviation	deviation	NOUN
esutjss-89	114	25	of	of	ADP
esutjss-89	114	26	17.94	17.94	NUM
esutjss-89	114	27	.	.	PUNCT
esutjss-89	115	1	the	the	DET
esutjss-89	115	2	mean	mean	ADJ
esutjss-89	115	3	value	value	NOUN
esutjss-89	115	4	of	of	ADP
esutjss-89	115	5	real	real	ADJ
esutjss-89	115	6	exchange	exchange	NOUN
esutjss-89	115	7	rate	rate	NOUN
esutjss-89	115	8	(	(	PUNCT
esutjss-89	115	9	rexr	rexr	PROPN
esutjss-89	115	10	)	)	PUNCT
esutjss-89	115	11	is	be	AUX
esutjss-89	115	12	71.14	71.14	NUM
esutjss-89	115	13	,	,	PUNCT
esutjss-89	115	14	the	the	DET
esutjss-89	115	15	minimum	minimum	NOUN
esutjss-89	115	16	is	be	AUX
esutjss-89	115	17	0.61	0.61	NUM
esutjss-89	115	18	and	and	CCONJ
esutjss-89	115	19	maximum	maximum	NOUN
esutjss-89	115	20	of	of	ADP
esutjss-89	115	21	194.00	194.00	NUM
esutjss-89	115	22	,	,	PUNCT
esutjss-89	115	23	with	with	ADP
esutjss-89	115	24	a	a	DET
esutjss-89	115	25	standard	standard	ADJ
esutjss-89	115	26	deviation	deviation	NOUN
esutjss-89	115	27	65.89	65.89	NUM
esutjss-89	115	28	.	.	PUNCT
esutjss-89	116	1	the	the	DET
esutjss-89	116	2	mean	mean	ADJ
esutjss-89	116	3	value	value	NOUN
esutjss-89	116	4	of	of	ADP
esutjss-89	116	5	savings_interest	savings_inter	ADJ
esutjss-89	116	6	(	(	PUNCT
esutjss-89	116	7	sav_int	sav_int	PROPN
esutjss-89	116	8	)	)	PUNCT
esutjss-89	116	9	is	be	AUX
esutjss-89	116	10	7.64	7.64	NUM
esutjss-89	116	11	,	,	PUNCT
esutjss-89	116	12	the	the	DET
esutjss-89	116	13	minimum	minimum	NOUN
esutjss-89	116	14	is	be	AUX
esutjss-89	116	15	1.41	1.41	NUM
esutjss-89	116	16	and	and	CCONJ
esutjss-89	116	17	maximum	maximum	NOUN
esutjss-89	116	18	of	of	ADP
esutjss-89	116	19	18.80	18.80	NUM
esutjss-89	116	20	,	,	PUNCT
esutjss-89	116	21	with	with	ADP
esutjss-89	116	22	a	a	DET
esutjss-89	116	23	standard	standard	ADJ
esutjss-89	116	24	deviation	deviation	NOUN
esutjss-89	116	25	5.16.the	5.16.the	DET
esutjss-89	116	26	mean	mean	ADJ
esutjss-89	116	27	value	value	NOUN
esutjss-89	116	28	of	of	ADP
esutjss-89	116	29	spread	spread	NOUN
esutjss-89	116	30	is	be	AUX
esutjss-89	116	31	13.57	13.57	NUM
esutjss-89	116	32	,	,	PUNCT
esutjss-89	116	33	the	the	DET
esutjss-89	116	34	minimum	minimum	NOUN
esutjss-89	116	35	is	be	AUX
esutjss-89	116	36	2.25	2.25	NUM
esutjss-89	116	37	and	and	CCONJ
esutjss-89	116	38	maximum	maximum	NOUN
esutjss-89	116	39	of	of	ADP
esutjss-89	116	40	26.04	26.04	NUM
esutjss-89	116	41	,	,	PUNCT
esutjss-89	116	42	with	with	ADP
esutjss-89	116	43	a	a	DET
esutjss-89	116	44	standard	standard	ADJ
esutjss-89	116	45	deviation	deviation	NOUN
esutjss-89	116	46	7.29.the	7.29.the	DET
esutjss-89	116	47	mean	mean	ADJ
esutjss-89	116	48	value	value	NOUN
esutjss-89	116	49	of	of	ADP
esutjss-89	116	50	saver	saver	ADJ
esutjss-89	116	51	ratio	ratio	NOUN
esutjss-89	116	52	is	be	AUX
esutjss-89	116	53	8.82	8.82	NUM
esutjss-89	116	54	,	,	PUNCT
esutjss-89	116	55	the	the	DET
esutjss-89	116	56	minimum	minimum	NOUN
esutjss-89	116	57	is	be	AUX
esutjss-89	116	58	3.34	3.34	NUM
esutjss-89	116	59	and	and	CCONJ
esutjss-89	116	60	maximum	maximum	NOUN
esutjss-89	116	61	of	of	ADP
esutjss-89	116	62	23.25	23.25	NUM
esutjss-89	116	63	,	,	PUNCT
esutjss-89	116	64	with	with	ADP
esutjss-89	116	65	a	a	DET
esutjss-89	116	66	standard	standard	ADJ
esutjss-89	116	67	deviation	deviation	NOUN
esutjss-89	116	68	3.83	3.83	NUM
esutjss-89	116	69	.	.	PUNCT
esutjss-89	117	1	the	the	DET
esutjss-89	117	2	mean	mean	ADJ
esutjss-89	117	3	value	value	NOUN
esutjss-89	117	4	of	of	ADP
esutjss-89	117	5	gdp	gdp	NOUN
esutjss-89	117	6	growth	growth	NOUN
esutjss-89	117	7	rate	rate	NOUN
esutjss-89	117	8	is	be	AUX
esutjss-89	117	9	0.20	0.20	NUM
esutjss-89	117	10	,	,	PUNCT
esutjss-89	117	11	the	the	DET
esutjss-89	117	12	minimum	minimum	NOUN
esutjss-89	117	13	is	be	AUX
esutjss-89	117	14	-0.0488682	-0.0488682	ADJ
esutjss-89	117	15	and	and	CCONJ
esutjss-89	117	16	maximum	maximum	NOUN
esutjss-89	117	17	of	of	ADP
esutjss-89	117	18	0.79	0.79	NUM
esutjss-89	117	19	,	,	PUNCT
esutjss-89	117	20	with	with	ADP
esutjss-89	117	21	a	a	DET
esutjss-89	117	22	standard	standard	ADJ
esutjss-89	117	23	deviation	deviation	NOUN
esutjss-89	117	24	0.19	0.19	NUM
esutjss-89	117	25	.	.	PUNCT
esutjss-89	118	1	unit	unit	NOUN
esutjss-89	118	2	root	root	PROPN
esutjss-89	118	3	test	test	NOUN
esutjss-89	118	4	:	:	PUNCT
esutjss-89	118	5	this	this	DET
esutjss-89	118	6	test	test	NOUN
esutjss-89	118	7	is	be	AUX
esutjss-89	118	8	designed	design	VERB
esutjss-89	118	9	to	to	PART
esutjss-89	118	10	examine	examine	VERB
esutjss-89	118	11	the	the	DET
esutjss-89	118	12	stationarity	stationarity	NOUN
esutjss-89	118	13	state	state	NOUN
esutjss-89	118	14	of	of	ADP
esutjss-89	118	15	the	the	DET
esutjss-89	118	16	variables	variable	NOUN
esutjss-89	118	17	.	.	PUNCT
esutjss-89	119	1	most	most	ADJ
esutjss-89	119	2	time	time	NOUN
esutjss-89	119	3	series	series	PROPN
esutjss-89	119	4	variables	variable	NOUN
esutjss-89	119	5	are	be	AUX
esutjss-89	119	6	non	non	ADJ
esutjss-89	119	7	-	-	ADJ
esutjss-89	119	8	stationary	stationary	ADJ
esutjss-89	119	9	at	at	ADP
esutjss-89	119	10	levels	level	NOUN
esutjss-89	119	11	,	,	PUNCT
esutjss-89	119	12	hence	hence	ADV
esutjss-89	119	13	their	their	PRON
esutjss-89	119	14	usage	usage	NOUN
esutjss-89	119	15	in	in	ADP
esutjss-89	119	16	econometric	econometric	ADJ
esutjss-89	119	17	models	model	NOUN
esutjss-89	119	18	produce	produce	VERB
esutjss-89	119	19	spurious	spurious	ADJ
esutjss-89	119	20	outcome	outcome	NOUN
esutjss-89	119	21	.	.	PUNCT
esutjss-89	120	1	in	in	ADP
esutjss-89	120	2	this	this	DET
esutjss-89	120	3	study	study	NOUN
esutjss-89	120	4	,	,	PUNCT
esutjss-89	120	5	we	we	PRON
esutjss-89	120	6	utilize	utilize	VERB
esutjss-89	120	7	the	the	DET
esutjss-89	120	8	augmented	augment	VERB
esutjss-89	120	9	dicky	dicky	ADJ
esutjss-89	120	10	fuller	full	ADJ
esutjss-89	120	11	approach	approach	NOUN
esutjss-89	120	12	in	in	ADP
esutjss-89	120	13	testing	testing	NOUN
esutjss-89	120	14	for	for	ADP
esutjss-89	120	15	unit	unit	NOUN
esutjss-89	120	16	root	root	NOUN
esutjss-89	120	17	.	.	PUNCT
esutjss-89	121	1	table	table	NOUN
esutjss-89	121	2	2	2	NUM
esutjss-89	121	3	:	:	PUNCT
esutjss-89	121	4	unit	unit	NOUN
esutjss-89	121	5	root	root	NOUN
esutjss-89	121	6	analysis	analysis	NOUN
esutjss-89	121	7	variables	variable	NOUN
esutjss-89	121	8	augmented	augment	VERB
esutjss-89	121	9	dickey	dickey	PROPN
esutjss-89	121	10	-	-	PUNCT
esutjss-89	121	11	fuller	full	ADJ
esutjss-89	121	12	test	test	NOUN
esutjss-89	121	13	test	test	NOUN
esutjss-89	121	14	critical	critical	ADJ
esutjss-89	121	15	value	value	NOUN
esutjss-89	121	16	@	@	ADP
esutjss-89	121	17	10	10	NUM
esutjss-89	121	18	%	%	NOUN
esutjss-89	121	19	test	test	NOUN
esutjss-89	121	20	critical	critical	ADJ
esutjss-89	121	21	value	value	NOUN
esutjss-89	121	22	@	@	ADP
esutjss-89	121	23	5	5	NUM
esutjss-89	121	24	%	%	NOUN
esutjss-89	121	25	test	test	NOUN
esutjss-89	121	26	critical	critical	ADJ
esutjss-89	121	27	value	value	NOUN
esutjss-89	121	28	@	@	ADP
esutjss-89	121	29	1	1	NUM
esutjss-89	121	30	%	%	NOUN
esutjss-89	121	31	test	test	NOUN
esutjss-89	121	32	statistic	statistic	PROPN
esutjss-89	121	33	diff	diff	PROPN
esutjss-89	121	34	prob	prob	ADJ
esutjss-89	121	35	order	order	NOUN
esutjss-89	121	36	of	of	ADP
esutjss-89	121	37	diff	diff	NOUN
esutjss-89	121	38	inrs	inrs	NOUN
esutjss-89	121	39	-2.622	-2.622	PUNCT
esutjss-89	121	40	-2.980	-2.980	PUNCT
esutjss-89	121	41	--3.702	--3.702	PROPN
esutjss-89	121	42	-6.050	-6.050	PROPN
esutjss-89	121	43	*	*	PROPN
esutjss-89	121	44	0.0000	0.0000	NUM
esutjss-89	121	45	i(1	i(1	PROPN
esutjss-89	121	46	)	)	PUNCT
esutjss-89	121	47	inf	inf	NOUN
esutjss-89	121	48	-2.622	-2.622	ADJ
esutjss-89	121	49	-2.980	-2.980	PROPN
esutjss-89	121	50	-3.702	-3.702	NUM
esutjss-89	121	51	-5.957	-5.957	NOUN
esutjss-89	121	52	*	*	NOUN
esutjss-89	121	53	0.0000	0.0000	NUM
esutjss-89	121	54	i(1	i(1	NOUN
esutjss-89	121	55	)	)	PUNCT
esutjss-89	121	56	sav_int	sav_int	PROPN
esutjss-89	121	57	-2.622	-2.622	INTJ
esutjss-89	121	58	-2.980	-2.980	PROPN
esutjss-89	121	59	-3.702	-3.702	NUM
esutjss-89	121	60	-3.637	-3.637	PROPN
esutjss-89	121	61	*	*	PROPN
esutjss-89	121	62	0.0051	0.0051	NUM
esutjss-89	121	63	i(1	i(1	PROPN
esutjss-89	121	64	)	)	PUNCT
esutjss-89	121	65	ingdp	ingdp	NOUN
esutjss-89	121	66	-2.622	-2.622	INTJ
esutjss-89	121	67	-2.980	-2.980	PUNCT
esutjss-89	121	68	-3.702	-3.702	NUM
esutjss-89	121	69	-4.143	-4.143	PROPN
esutjss-89	121	70	*	*	PUNCT
esutjss-89	121	71	0.0008	0.0008	NUM
esutjss-89	121	72	i(1	i(1	PROPN
esutjss-89	121	73	)	)	PUNCT
esutjss-89	121	74	insav	insav	NOUN
esutjss-89	121	75	-2.622	-2.622	INTJ
esutjss-89	121	76	-2.980	-2.980	PUNCT
esutjss-89	121	77	-3.702	-3.702	NUM
esutjss-89	121	78	-3.436	-3.436	NOUN
esutjss-89	121	79	*	*	NOUN
esutjss-89	121	80	0.0098	0.0098	NUM
esutjss-89	121	81	i(1	i(1	NOUN
esutjss-89	121	82	)	)	PUNCT
esutjss-89	121	83	ininv	ininv	VERB
esutjss-89	121	84	-2.622	-2.622	ADJ
esutjss-89	121	85	-2.980	-2.980	INTJ
esutjss-89	121	86	-3.702	-3.702	NUM
esutjss-89	121	87	-4.067	-4.067	PROPN
esutjss-89	121	88	*	*	X
esutjss-89	121	89	0.0011	0.0011	NUM
esutjss-89	121	90	i(1	i(1	PROPN
esutjss-89	121	91	)	)	PUNCT
esutjss-89	121	92	inpce	inpce	NOUN
esutjss-89	121	93	-2.622	-2.622	ADJ
esutjss-89	121	94	-2.980	-2.980	PUNCT
esutjss-89	121	95	-3.702	-3.702	NUM
esutjss-89	121	96	-3.931	-3.931	PUNCT
esutjss-89	121	97	0.0018	0.0018	NUM
esutjss-89	121	98	i(1	i(1	NOUN
esutjss-89	121	99	)	)	PUNCT
esutjss-89	121	100	gdpgrwt	gdpgrwt	NOUN
esutjss-89	122	1	-2.623	-2.623	X
esutjss-89	122	2	-2.983	-2.983	PUNCT
esutjss-89	123	1	-3.709	-3.709	NOUN
esutjss-89	123	2	-6.528	-6.528	PUNCT
esutjss-89	123	3	*	*	NOUN
esutjss-89	123	4	0.0000	0.0000	NUM
esutjss-89	123	5	i(1	i(1	NOUN
esutjss-89	123	6	)	)	PUNCT
esutjss-89	123	7	exr	exr	PROPN
esutjss-89	123	8	-2.622	-2.622	INTJ
esutjss-89	123	9	-2.980	-2.980	PROPN
esutjss-89	123	10	-3.702	-3.702	NUM
esutjss-89	123	11	-3.519	-3.519	PROPN
esutjss-89	123	12	0.0075	0.0075	NUM
esutjss-89	123	13	i(1	i(1	PROPN
esutjss-89	123	14	)	)	PUNCT
esutjss-89	123	15	source	source	NOUN
esutjss-89	123	16	:	:	PUNCT
esutjss-89	123	17	author	author	NOUN
esutjss-89	123	18	’s	’s	PART
esutjss-89	123	19	computation	computation	NOUN
esutjss-89	123	20	with	with	ADP
esutjss-89	123	21	the	the	DET
esutjss-89	123	22	use	use	NOUN
esutjss-89	123	23	stata	stata	NOUN
esutjss-89	123	24	13	13	NUM
esutjss-89	123	25	(	(	PUNCT
esutjss-89	123	26	2021	2021	NUM
esutjss-89	123	27	)	)	PUNCT
esutjss-89	123	28	the	the	DET
esutjss-89	123	29	results	result	NOUN
esutjss-89	123	30	of	of	ADP
esutjss-89	123	31	the	the	DET
esutjss-89	123	32	augmented	augment	VERB
esutjss-89	123	33	dickey	dickey	PROPN
esutjss-89	123	34	-	-	PUNCT
esutjss-89	123	35	fuller	full	ADJ
esutjss-89	123	36	test	test	NOUN
esutjss-89	123	37	are	be	AUX
esutjss-89	123	38	reported	report	VERB
esutjss-89	123	39	in	in	ADP
esutjss-89	123	40	table	table	NOUN
esutjss-89	123	41	2	2	NUM
esutjss-89	123	42	,	,	PUNCT
esutjss-89	123	43	the	the	DET
esutjss-89	123	44	lag	lag	NOUN
esutjss-89	123	45	truncations	truncation	NOUN
esutjss-89	123	46	for	for	ADP
esutjss-89	123	47	the	the	DET
esutjss-89	123	48	bartlett	bartlett	PROPN
esutjss-89	123	49	kernel	kernel	PROPN
esutjss-89	123	50	were	be	AUX
esutjss-89	123	51	chosen	choose	VERB
esutjss-89	123	52	according	accord	VERB
esutjss-89	123	53	to	to	ADP
esutjss-89	123	54	the	the	DET
esutjss-89	123	55	newey	newey	PROPN
esutjss-89	123	56	and	and	CCONJ
esutjss-89	123	57	west	west	NOUN
esutjss-89	123	58	,	,	PUNCT
esutjss-89	123	59	1987	1987	NUM
esutjss-89	123	60	,	,	PUNCT
esutjss-89	123	61	suggestions	suggestion	NOUN
esutjss-89	123	62	.	.	PUNCT
esutjss-89	124	1	analytically	analytically	ADV
esutjss-89	124	2	the	the	DET
esutjss-89	124	3	results	result	NOUN
esutjss-89	124	4	from	from	ADP
esutjss-89	124	5	the	the	DET
esutjss-89	124	6	unit	unit	NOUN
esutjss-89	124	7	root	root	NOUN
esutjss-89	124	8	tests	test	NOUN
esutjss-89	124	9	in	in	ADP
esutjss-89	124	10	the	the	DET
esutjss-89	124	11	levels	level	NOUN
esutjss-89	124	12	of	of	ADP
esutjss-89	124	13	inrs	inrs	NOUN
esutjss-89	124	14	,	,	PUNCT
esutjss-89	124	15	inf	inf	NOUN
esutjss-89	124	16	,	,	PUNCT
esutjss-89	124	17	sav_int	sav_int	PROPN
esutjss-89	124	18	,	,	PUNCT
esutjss-89	124	19	ingdp	ingdp	NOUN
esutjss-89	124	20	,	,	PUNCT
esutjss-89	124	21	savings	saving	NOUN
esutjss-89	124	22	in	in	ADP
esutjss-89	124	23	nigeria	nigeria	PROPN
esutjss-89	124	24	insav	insav	PROPN
esutjss-89	124	25	,	,	PUNCT
esutjss-89	124	26	ininv	ininv	ADJ
esutjss-89	124	27	,	,	PUNCT
esutjss-89	124	28	inpce	inpce	ADJ
esutjss-89	124	29	,	,	PUNCT
esutjss-89	124	30	gdpgrwt	gdpgrwt	ADJ
esutjss-89	124	31	and	and	CCONJ
esutjss-89	124	32	exr	exr	PROPN
esutjss-89	124	33	clearly	clearly	ADV
esutjss-89	124	34	point	point	VERB
esutjss-89	124	35	to	to	ADP
esutjss-89	124	36	the	the	DET
esutjss-89	124	37	presence	presence	NOUN
esutjss-89	124	38	of	of	ADP
esutjss-89	124	39	a	a	DET
esutjss-89	124	40	unit	unit	NOUN
esutjss-89	124	41	root	root	NOUN
esutjss-89	124	42	in	in	ADP
esutjss-89	124	43	all	all	DET
esutjss-89	124	44	casesin	casesin	NOUN
esutjss-89	124	45	level	level	NOUN
esutjss-89	124	46	form	form	NOUN
esutjss-89	124	47	.	.	PUNCT
esutjss-89	125	1	the	the	DET
esutjss-89	125	2	results	result	NOUN
esutjss-89	125	3	after	after	ADP
esutjss-89	125	4	first	first	ADJ
esutjss-89	125	5	differencing	difference	VERB
esutjss-89	125	6	inrs	inrs	NOUN
esutjss-89	125	7	,	,	PUNCT
esutjss-89	125	8	inf	inf	NOUN
esutjss-89	125	9	,	,	PUNCT
esutjss-89	125	10	sav_int	sav_int	PROPN
esutjss-89	125	11	,	,	PUNCT
esutjss-89	125	12	ingdp	ingdp	NOUN
esutjss-89	125	13	,	,	PUNCT
esutjss-89	125	14	insav	insav	NOUN
esutjss-89	125	15	,	,	PUNCT
esutjss-89	125	16	ininv	ininv	ADJ
esutjss-89	125	17	,	,	PUNCT
esutjss-89	125	18	inpce	inpce	ADJ
esutjss-89	125	19	,	,	PUNCT
esutjss-89	125	20	gdpgrwt	gdpgrwt	ADJ
esutjss-89	125	21	and	and	CCONJ
esutjss-89	125	22	exr	exr	PROPN
esutjss-89	125	23	series	series	NOUN
esutjss-89	125	24	robustly	robustly	ADV
esutjss-89	125	25	reject	reject	VERB
esutjss-89	125	26	the	the	DET
esutjss-89	125	27	null	null	ADJ
esutjss-89	125	28	hypothesis	hypothesis	NOUN
esutjss-89	125	29	of	of	ADP
esutjss-89	125	30	the	the	DET
esutjss-89	125	31	presence	presence	NOUN
esutjss-89	125	32	of	of	ADP
esutjss-89	125	33	a	a	DET
esutjss-89	125	34	unit	unit	NOUN
esutjss-89	125	35	root	root	NOUN
esutjss-89	125	36	,	,	PUNCT
esutjss-89	125	37	suggesting	suggest	VERB
esutjss-89	125	38	therefore	therefore	ADV
esutjss-89	125	39	that	that	SCONJ
esutjss-89	125	40	the	the	DET
esutjss-89	125	41	other	other	ADJ
esutjss-89	125	42	series	series	NOUN
esutjss-89	125	43	are	be	AUX
esutjss-89	125	44	integrated	integrate	VERB
esutjss-89	125	45	of	of	ADP
esutjss-89	125	46	order	order	NOUN
esutjss-89	125	47	one	one	NUM
esutjss-89	125	48	i	i	NOUN
esutjss-89	125	49	(	(	PUNCT
esutjss-89	125	50	1	1	NUM
esutjss-89	125	51	)	)	PUNCT
esutjss-89	125	52	.	.	PUNCT
esutjss-89	126	1	short	short	ADJ
esutjss-89	126	2	run	run	NOUN
esutjss-89	126	3	error	error	NOUN
esutjss-89	126	4	correction	correction	NOUN
esutjss-89	126	5	model	model	NOUN
esutjss-89	126	6	table	table	NOUN
esutjss-89	126	7	3	3	NUM
esutjss-89	126	8	:	:	PUNCT
esutjss-89	126	9	short	short	ADJ
esutjss-89	126	10	run	run	NOUN
esutjss-89	126	11	ecm	ecm	PROPN
esutjss-89	126	12	model	model	NOUN
esutjss-89	126	13	(	(	PUNCT
esutjss-89	126	14	shows	show	VERB
esutjss-89	126	15	no	no	DET
esutjss-89	126	16	cointegration	cointegration	NOUN
esutjss-89	126	17	)	)	PUNCT
esutjss-89	126	18	ecmcon	ecmcon	NOUN
esutjss-89	126	19	1	1	NUM
esutjss-89	126	20	ecmcon	ecmcon	NOUN
esutjss-89	126	21	2	2	NUM
esutjss-89	126	22	ecmsavin	ecmsavin	NOUN
esutjss-89	126	23	g	g	NOUN
esutjss-89	126	24	ecmsaving	ecmsave	VERB
esutjss-89	126	25	1	1	NUM
esutjss-89	126	26	ecminves	ecminve	NOUN
esutjss-89	126	27	t	t	X
esutjss-89	126	28	ecminvest	ecminv	ADJ
esutjss-89	126	29	1	1	NUM
esutjss-89	126	30	d.inf	d.inf	VERB
esutjss-89	126	31	0.00226	0.00226	NUM
esutjss-89	126	32	0.00301	0.00301	NUM
esutjss-89	126	33	0.00110	0.00110	NUM
esutjss-89	126	34	0.00129	0.00129	NUM
esutjss-89	126	35	-0.00142	-0.00142	NOUN
esutjss-89	126	36	-0.00141	-0.00141	NOUN
esutjss-89	126	37	(	(	PUNCT
esutjss-89	126	38	0.363	0.363	NUM
esutjss-89	126	39	)	)	PUNCT
esutjss-89	126	40	(	(	PUNCT
esutjss-89	126	41	0.246	0.246	NUM
esutjss-89	126	42	)	)	PUNCT
esutjss-89	126	43	(	(	PUNCT
esutjss-89	126	44	0.493	0.493	NUM
esutjss-89	126	45	)	)	PUNCT
esutjss-89	126	46	(	(	PUNCT
esutjss-89	126	47	0.451	0.451	NUM
esutjss-89	126	48	)	)	PUNCT
esutjss-89	126	49	(	(	PUNCT
esutjss-89	126	50	0.626	0.626	NUM
esutjss-89	126	51	)	)	PUNCT
esutjss-89	126	52	(	(	PUNCT
esutjss-89	126	53	0.641	0.641	NUM
esutjss-89	126	54	)	)	PUNCT
esutjss-89	126	55	d.spread	d.spread	VERB
esutjss-89	126	56	0.0111	0.0111	NUM
esutjss-89	126	57	0.0140	0.0140	NUM
esutjss-89	126	58	0.00522	0.00522	NUM
esutjss-89	126	59	0.00528	0.00528	NUM
esutjss-89	126	60	0.0145	0.0145	NUM
esutjss-89	126	61	0.0151	0.0151	NUM
esutjss-89	126	62	(	(	PUNCT
esutjss-89	126	63	0.304	0.304	NUM
esutjss-89	126	64	)	)	PUNCT
esutjss-89	126	65	(	(	PUNCT
esutjss-89	126	66	0.175	0.175	NUM
esutjss-89	126	67	)	)	PUNCT
esutjss-89	126	68	(	(	PUNCT
esutjss-89	126	69	0.429	0.429	NUM
esutjss-89	126	70	)	)	PUNCT
esutjss-89	126	71	(	(	PUNCT
esutjss-89	126	72	0.420	0.420	NUM
esutjss-89	126	73	)	)	PUNCT
esutjss-89	126	74	(	(	PUNCT
esutjss-89	126	75	0.230	0.230	NUM
esutjss-89	126	76	)	)	PUNCT
esutjss-89	126	77	(	(	PUNCT
esutjss-89	126	78	0.200	0.200	NUM
esutjss-89	126	79	)	)	PUNCT
esutjss-89	126	80	d.exr	d.exr	PROPN
esutjss-89	126	81	-0.00230	-0.00230	X
esutjss-89	126	82	-0.00167	-0.00167	ADJ
esutjss-89	126	83	-0.000229	-0.000229	NOUN
esutjss-89	126	84	-0.000149	-0.000149	PUNCT
esutjss-89	126	85	-0.00118	-0.00118	VERB
esutjss-89	126	86	-0.00104	-0.00104	PUNCT
esutjss-89	127	1	(	(	PUNCT
esutjss-89	127	2	0.437	0.437	NUM
esutjss-89	127	3	)	)	PUNCT
esutjss-89	127	4	(	(	PUNCT
esutjss-89	127	5	0.562	0.562	NUM
esutjss-89	127	6	)	)	PUNCT
esutjss-89	127	7	(	(	PUNCT
esutjss-89	127	8	0.905	0.905	NUM
esutjss-89	127	9	)	)	PUNCT
esutjss-89	127	10	(	(	PUNCT
esutjss-89	127	11	0.939	0.939	NUM
esutjss-89	127	12	)	)	PUNCT
esutjss-89	127	13	(	(	PUNCT
esutjss-89	127	14	0.731	0.731	NUM
esutjss-89	127	15	)	)	PUNCT
esutjss-89	127	16	(	(	PUNCT
esutjss-89	127	17	0.757	0.757	NUM
esutjss-89	127	18	)	)	PUNCT
esutjss-89	128	1	d.sav_in	d.sav_in	PROPN
esutjss-89	128	2	t	t	PROPN
esutjss-89	128	3	0.0118	0.0118	NUM
esutjss-89	128	4	-0.00595	-0.00595	NOUN
esutjss-89	128	5	-0.00859	-0.00859	NOUN
esutjss-89	128	6	(	(	PUNCT
esutjss-89	128	7	0.597	0.597	NUM
esutjss-89	128	8	)	)	PUNCT
esutjss-89	128	9	(	(	PUNCT
esutjss-89	128	10	0.661	0.661	NUM
esutjss-89	128	11	)	)	PUNCT
esutjss-89	128	12	(	(	PUNCT
esutjss-89	128	13	0.728	0.728	NUM
esutjss-89	128	14	)	)	PUNCT
esutjss-89	128	15	l.residuals	l.residual	NOUN
esutjss-89	128	16	-0.0262	-0.0262	NOUN
esutjss-89	128	17	(	(	PUNCT
esutjss-89	128	18	0.684	0.684	NUM
esutjss-89	128	19	)	)	PUNCT
esutjss-89	128	20	d.gpdgrwt	d.gpdgrwt	NOUN
esutjss-89	128	21	-0.219	-0.219	PROPN
esutjss-89	128	22	-0.0831	-0.0831	NOUN
esutjss-89	128	23	-0.145	-0.145	PROPN
esutjss-89	128	24	(	(	PUNCT
esutjss-89	128	25	0.173	0.173	NUM
esutjss-89	128	26	)	)	PUNCT
esutjss-89	128	27	(	(	PUNCT
esutjss-89	128	28	0.433	0.433	NUM
esutjss-89	128	29	)	)	PUNCT
esutjss-89	128	30	(	(	PUNCT
esutjss-89	128	31	0.443	0.443	NUM
esutjss-89	128	32	)	)	PUNCT
esutjss-89	128	33	l.residuals	l.residual	NOUN
esutjss-89	128	34	-0.0641	-0.0641	NOUN
esutjss-89	128	35	(	(	PUNCT
esutjss-89	128	36	0.283	0.283	NUM
esutjss-89	128	37	)	)	PUNCT
esutjss-89	128	38	l.residuals	l.residual	NOUN
esutjss-89	128	39	-0.0200	-0.0200	PUNCT
esutjss-89	129	1	(	(	PUNCT
esutjss-89	129	2	0.639	0.639	NUM
esutjss-89	129	3	)	)	PUNCT
esutjss-89	129	4	l.residuals	l.residual	NOUN
esutjss-89	129	5	-0.0239	-0.0239	NOUN
esutjss-89	129	6	(	(	PUNCT
esutjss-89	129	7	0.576	0.576	NUM
esutjss-89	129	8	)	)	PUNCT
esutjss-89	129	9	l.residuals	l.residual	NOUN
esutjss-89	129	10	-0.0887	-0.0887	X
esutjss-89	129	11	(	(	PUNCT
esutjss-89	129	12	0.229	0.229	NUM
esutjss-89	129	13	)	)	PUNCT
esutjss-89	129	14	l.residuals	l.residual	NOUN
esutjss-89	129	15	-0.101	-0.101	PUNCT
esutjss-89	129	16	(	(	PUNCT
esutjss-89	129	17	0.151	0.151	NUM
esutjss-89	129	18	)	)	PUNCT
esutjss-89	129	19	constant	constant	ADJ
esutjss-89	129	20	0.240	0.240	NUM
esutjss-89	129	21	*	*	PUNCT
esutjss-89	129	22	*	*	PUNCT
esutjss-89	129	23	*	*	PUNCT
esutjss-89	129	24	0.238	0.238	NUM
esutjss-89	129	25	*	*	PUNCT
esutjss-89	129	26	*	*	PUNCT
esutjss-89	129	27	*	*	PUNCT
esutjss-89	129	28	0.218	0.218	NUM
esutjss-89	129	29	*	*	PUNCT
esutjss-89	129	30	*	*	PUNCT
esutjss-89	129	31	*	*	PUNCT
esutjss-89	129	32	0.220	0.220	NUM
esutjss-89	129	33	*	*	PUNCT
esutjss-89	129	34	*	*	PUNCT
esutjss-89	129	35	*	*	PUNCT
esutjss-89	129	36	0.193	0.193	NUM
esutjss-89	129	37	*	*	PUNCT
esutjss-89	129	38	*	*	PUNCT
esutjss-89	129	39	*	*	PUNCT
esutjss-89	129	40	0.201	0.201	NUM
esutjss-89	129	41	*	*	PUNCT
esutjss-89	129	42	*	*	PUNCT
esutjss-89	129	43	*	*	PUNCT
esutjss-89	129	44	(	(	PUNCT
esutjss-89	129	45	0.000	0.000	NUM
esutjss-89	129	46	)	)	PUNCT
esutjss-89	129	47	(	(	PUNCT
esutjss-89	129	48	0.000	0.000	NUM
esutjss-89	129	49	)	)	PUNCT
esutjss-89	129	50	(	(	PUNCT
esutjss-89	129	51	0.000	0.000	NUM
esutjss-89	129	52	)	)	PUNCT
esutjss-89	129	53	(	(	PUNCT
esutjss-89	129	54	0.000	0.000	NUM
esutjss-89	129	55	)	)	PUNCT
esutjss-89	129	56	(	(	PUNCT
esutjss-89	129	57	0.000	0.000	NUM
esutjss-89	129	58	)	)	PUNCT
esutjss-89	129	59	(	(	PUNCT
esutjss-89	129	60	0.000	0.000	X
esutjss-89	129	61	)	)	PUNCT
esutjss-89	129	62	observation	observation	NOUN
esutjss-89	129	63	s	s	VERB
esutjss-89	129	64	34	34	NUM
esutjss-89	129	65	33	33	NUM
esutjss-89	129	66	34	34	NUM
esutjss-89	129	67	33	33	NUM
esutjss-89	129	68	34	34	NUM
esutjss-89	129	69	33	33	NUM
esutjss-89	129	70	r2	r2	NOUN
esutjss-89	129	71	0.100	0.100	NUM
esutjss-89	129	72	0.165	0.165	NUM
esutjss-89	129	73	0.039	0.039	NUM
esutjss-89	129	74	0.058	0.058	NUM
esutjss-89	129	75	0.088	0.088	NUM
esutjss-89	129	76	0.131	0.131	NUM
esutjss-89	129	77	adjusted	adjust	VERB
esutjss-89	129	78	r2	r2	NOUN
esutjss-89	129	79	-0.061	-0.061	PUNCT
esutjss-89	129	80	0.010	0.010	NUM
esutjss-89	129	81	-0.133	-0.133	NUM
esutjss-89	129	82	-0.117	-0.117	PUNCT
esutjss-89	129	83	-0.075	-0.075	ADJ
esutjss-89	129	84	-0.030	-0.030	PUNCT
esutjss-89	129	85	f	f	PROPN
esutjss-89	129	86	0.621	0.621	NUM
esutjss-89	129	87	1.067	1.067	NUM
esutjss-89	129	88	0.225	0.225	NUM
esutjss-89	129	89	0.331	0.331	NUM
esutjss-89	129	90	0.542	0.542	NUM
esutjss-89	129	91	0.815	0.815	NUM
esutjss-89	129	92	p	p	NOUN
esutjss-89	129	93	-	-	PUNCT
esutjss-89	129	94	values	value	NOUN
esutjss-89	129	95	in	in	ADP
esutjss-89	129	96	parentheses	parenthesis	NOUN
esutjss-89	129	97	*	*	PUNCT
esutjss-89	129	98	p	p	X
esutjss-89	129	99	<	<	X
esutjss-89	129	100	0.05	0.05	NUM
esutjss-89	129	101	,	,	PUNCT
esutjss-89	129	102	*	*	PUNCT
esutjss-89	129	103	*	*	PUNCT
esutjss-89	129	104	p	p	X
esutjss-89	129	105	<	<	X
esutjss-89	129	106	0.01	0.01	NUM
esutjss-89	129	107	,	,	PUNCT
esutjss-89	129	108	*	*	PUNCT
esutjss-89	129	109	*	*	PUNCT
esutjss-89	129	110	*	*	PUNCT
esutjss-89	129	111	p	p	X
esutjss-89	129	112	<	<	X
esutjss-89	129	113	0.001	0.001	NUM
esutjss-89	129	114	291	291	NUM
esutjss-89	129	115	table	table	NOUN
esutjss-89	129	116	4	4	NUM
esutjss-89	129	117	.	.	PUNCT
esutjss-89	129	118	error	error	NOUN
esutjss-89	129	119	correction	correction	NOUN
esutjss-89	129	120	model	model	NOUN
esutjss-89	129	121	(	(	PUNCT
esutjss-89	129	122	ecm	ecm	NOUN
esutjss-89	129	123	)	)	PUNCT
esutjss-89	129	124	variables	variable	NOUN
esutjss-89	129	125	coefficient	coefficient	VERB
esutjss-89	129	126	std	std	NOUN
esutjss-89	129	127	error	error	NOUN
esutjss-89	129	128	t	t	NOUN
esutjss-89	129	129	-	-	PUNCT
esutjss-89	129	130	stat	stat	NOUN
esutjss-89	129	131	prob	prob	NOUN
esutjss-89	129	132	uhat	uhat	PROPN
esutjss-89	129	133	sav	sav	PROPN
esutjss-89	129	134	(	(	PUNCT
esutjss-89	129	135	-1	-1	INTJ
esutjss-89	129	136	)	)	PUNCT
esutjss-89	129	137	-0.0200483	-0.0200483	NOUN
esutjss-89	129	138	0.0422291	0.0422291	NUM
esutjss-89	129	139	-0.47	-0.47	PRON
esutjss-89	129	140	0.639	0.639	NUM
esutjss-89	129	141	uhat	uhat	PROPN
esutjss-89	129	142	sav1	sav1	PROPN
esutjss-89	129	143	(	(	PUNCT
esutjss-89	129	144	-1	-1	PROPN
esutjss-89	129	145	)	)	PUNCT
esutjss-89	129	146	-0.238735	-0.238735	NOUN
esutjss-89	129	147	0.021321	0.021321	NUM
esutjss-89	129	148	-0.57	-0.57	NUM
esutjss-89	129	149	0.576	0.576	NUM
esutjss-89	129	150	uhat	uhat	PRON
esutjss-89	129	151	inv	inv	VERB
esutjss-89	129	152	(	(	PUNCT
esutjss-89	129	153	-1	-1	ADJ
esutjss-89	129	154	)	)	PUNCT
esutjss-89	129	155	-0.0886966	-0.0886966	NOUN
esutjss-89	130	1	0.721278	0.721278	NUM
esutjss-89	130	2	-1.23	-1.23	NUM
esutjss-89	130	3	0.229	0.229	NUM
esutjss-89	130	4	uhat	uhat	DET
esutjss-89	130	5	inv1	inv1	NOUN
esutjss-89	130	6	(	(	PUNCT
esutjss-89	130	7	-1	-1	INTJ
esutjss-89	130	8	)	)	PUNCT
esutjss-89	130	9	-0.1010186	-0.1010186	VERB
esutjss-89	131	1	0.0682732	0.0682732	NUM
esutjss-89	131	2	-1.48	-1.48	NUM
esutjss-89	131	3	0.151	0.151	NUM
esutjss-89	131	4	uhat	uhat	PROPN
esutjss-89	131	5	con	con	PROPN
esutjss-89	131	6	(	(	PUNCT
esutjss-89	131	7	-1	-1	INTJ
esutjss-89	131	8	)	)	PUNCT
esutjss-89	131	9	-0.0262386	-0.0262386	VERB
esutjss-89	131	10	0.636962	0.636962	NUM
esutjss-89	132	1	-0.41	-0.41	CCONJ
esutjss-89	132	2	0.684	0.684	NUM
esutjss-89	133	1	uhat	uhat	DET
esutjss-89	133	2	con1	con1	NOUN
esutjss-89	133	3	(	(	PUNCT
esutjss-89	133	4	-1	-1	ADJ
esutjss-89	133	5	)	)	PUNCT
esutjss-89	133	6	-0.064082	-0.064082	NOUN
esutjss-89	134	1	0.058454	0.058454	NUM
esutjss-89	134	2	-1.10	-1.10	NOUN
esutjss-89	134	3	0.283	0.283	NUM
esutjss-89	134	4	since	since	SCONJ
esutjss-89	134	5	the	the	DET
esutjss-89	134	6	test	test	NOUN
esutjss-89	134	7	statistics	statistic	NOUN
esutjss-89	134	8	of	of	ADP
esutjss-89	134	9	the	the	DET
esutjss-89	134	10	residuals	residual	NOUN
esutjss-89	134	11	(	(	PUNCT
esutjss-89	134	12	uhat	uhat	PRON
esutjss-89	134	13	)	)	PUNCT
esutjss-89	134	14	are	be	AUX
esutjss-89	134	15	–	–	PUNCT
esutjss-89	134	16	0.47	0.47	NUM
esutjss-89	134	17	,	,	PUNCT
esutjss-89	134	18	-0.57	-0.57	X
esutjss-89	134	19	,	,	PUNCT
esutjss-89	134	20	-1.23	-1.23	NOUN
esutjss-89	134	21	,	,	PUNCT
esutjss-89	134	22	-1.48	-1.48	NOUN
esutjss-89	134	23	,	,	PUNCT
esutjss-89	134	24	-0.41	-0.41	NOUN
esutjss-89	134	25	and	and	CCONJ
esutjss-89	134	26	-1.10	-1.10	NOUN
esutjss-89	134	27	and	and	CCONJ
esutjss-89	134	28	the	the	DET
esutjss-89	134	29	probabilities	probability	NOUN
esutjss-89	134	30	value	value	VERB
esutjss-89	134	31	0.639	0.639	NUM
esutjss-89	134	32	,	,	PUNCT
esutjss-89	134	33	0.576	0.576	NUM
esutjss-89	134	34	,	,	PUNCT
esutjss-89	134	35	0.229	0.229	NUM
esutjss-89	134	36	,	,	PUNCT
esutjss-89	135	1	0.151,0.684	0.151,0.684	PROPN
esutjss-89	135	2	and	and	CCONJ
esutjss-89	135	3	0.283which	0.283which	NUM
esutjss-89	135	4	are	be	AUX
esutjss-89	135	5	not	not	PART
esutjss-89	135	6	less	less	ADJ
esutjss-89	135	7	than	than	ADP
esutjss-89	135	8	5	5	NUM
esutjss-89	135	9	%	%	NOUN
esutjss-89	135	10	,	,	PUNCT
esutjss-89	135	11	it	it	PRON
esutjss-89	135	12	shows	show	VERB
esutjss-89	135	13	that	that	SCONJ
esutjss-89	135	14	the	the	DET
esutjss-89	135	15	residuals	residual	NOUN
esutjss-89	135	16	are	be	AUX
esutjss-89	135	17	not	not	PART
esutjss-89	135	18	statistically	statistically	ADV
esutjss-89	135	19	significant	significant	ADJ
esutjss-89	135	20	and	and	CCONJ
esutjss-89	135	21	shows	show	VERB
esutjss-89	135	22	no	no	DET
esutjss-89	135	23	co	co	NOUN
esutjss-89	135	24	-	-	NOUN
esutjss-89	135	25	integration	integration	NOUN
esutjss-89	135	26	.	.	PUNCT
esutjss-89	136	1	short	short	ADJ
esutjss-89	136	2	run	run	NOUN
esutjss-89	136	3	difference	difference	NOUN
esutjss-89	136	4	model	model	NOUN
esutjss-89	136	5	of	of	ADP
esutjss-89	136	6	effect	effect	NOUN
esutjss-89	136	7	of	of	ADP
esutjss-89	136	8	interest	interest	NOUN
esutjss-89	136	9	spread	spread	VERB
esutjss-89	136	10	on	on	ADP
esutjss-89	136	11	savings	saving	NOUN
esutjss-89	136	12	s	s	PART
esutjss-89	136	13	table	table	NOUN
esutjss-89	136	14	5	5	NUM
esutjss-89	136	15	:	:	PUNCT
esutjss-89	136	16	short	short	ADJ
esutjss-89	136	17	run	run	NOUN
esutjss-89	136	18	difference	difference	NOUN
esutjss-89	136	19	model	model	NOUN
esutjss-89	136	20	of	of	ADP
esutjss-89	136	21	effect	effect	NOUN
esutjss-89	136	22	of	of	ADP
esutjss-89	136	23	interest	interest	NOUN
esutjss-89	136	24	spread	spread	VERB
esutjss-89	136	25	on	on	ADP
esutjss-89	136	26	consumption	consumption	NOUN
esutjss-89	136	27	saving	saving	NOUN
esutjss-89	136	28	and	and	CCONJ
esutjss-89	136	29	investment	investment	NOUN
esutjss-89	136	30	srcon1	srcon1	NOUN
esutjss-89	137	1	srcon2	srcon2	NOUN
esutjss-89	137	2	srsaving	srsaving	NOUN
esutjss-89	137	3	srsaving1	srsaving1	VERB
esutjss-89	137	4	srinvest	srinv	ADJ
esutjss-89	137	5	srinvest1	srinvest1	NOUN
esutjss-89	137	6	d.inf	d.inf	VERB
esutjss-89	137	7	0.00228	0.00228	NUM
esutjss-89	137	8	0.00228	0.00228	NUM
esutjss-89	137	9	0.00104	0.00104	PRON
esutjss-89	137	10	0.00130	0.00130	NUM
esutjss-89	137	11	-0.00154	-0.00154	NOUN
esutjss-89	137	12	-0.00141	-0.00141	NOUN
esutjss-89	137	13	(	(	PUNCT
esutjss-89	137	14	0.351	0.351	NUM
esutjss-89	137	15	)	)	PUNCT
esutjss-89	137	16	(	(	PUNCT
esutjss-89	137	17	0.351	0.351	NUM
esutjss-89	137	18	)	)	PUNCT
esutjss-89	137	19	(	(	PUNCT
esutjss-89	137	20	0.509	0.509	NUM
esutjss-89	137	21	)	)	PUNCT
esutjss-89	137	22	(	(	PUNCT
esutjss-89	137	23	0.441	0.441	NUM
esutjss-89	137	24	)	)	PUNCT
esutjss-89	137	25	(	(	PUNCT
esutjss-89	137	26	0.598	0.598	NUM
esutjss-89	137	27	)	)	PUNCT
esutjss-89	137	28	(	(	PUNCT
esutjss-89	137	29	0.646	0.646	NUM
esutjss-89	137	30	)	)	PUNCT
esutjss-89	137	31	d.spread	d.spread	NOUN
esutjss-89	137	32	0.00901	0.00901	NUM
esutjss-89	137	33	0.00901	0.00901	NUM
esutjss-89	137	34	0.00406	0.00406	NUM
esutjss-89	137	35	0.00401	0.00401	NUM
esutjss-89	137	36	0.00901	0.00901	NUM
esutjss-89	137	37	0.00898	0.00898	NUM
esutjss-89	137	38	(	(	PUNCT
esutjss-89	137	39	0.334	0.334	NUM
esutjss-89	137	40	)	)	PUNCT
esutjss-89	137	41	(	(	PUNCT
esutjss-89	137	42	0.334	0.334	NUM
esutjss-89	137	43	)	)	PUNCT
esutjss-89	137	44	(	(	PUNCT
esutjss-89	137	45	0.500	0.500	NUM
esutjss-89	137	46	)	)	PUNCT
esutjss-89	137	47	(	(	PUNCT
esutjss-89	137	48	0.507	0.507	NUM
esutjss-89	137	49	)	)	PUNCT
esutjss-89	137	50	(	(	PUNCT
esutjss-89	137	51	0.421	0.421	NUM
esutjss-89	137	52	)	)	PUNCT
esutjss-89	137	53	(	(	PUNCT
esutjss-89	137	54	0.419	0.419	NUM
esutjss-89	137	55	)	)	PUNCT
esutjss-89	137	56	d.exr	d.exr	PROPN
esutjss-89	137	57	-0.00260	-0.00260	NOUN
esutjss-89	137	58	-0.00260	-0.00260	NOUN
esutjss-89	137	59	-0.000473	-0.000473	X
esutjss-89	137	60	-0.000451	-0.000451	PUNCT
esutjss-89	138	1	-0.00195	-0.00195	ADJ
esutjss-89	138	2	-0.00206	-0.00206	PROPN
esutjss-89	138	3	(	(	PUNCT
esutjss-89	138	4	0.358	0.358	NUM
esutjss-89	138	5	)	)	PUNCT
esutjss-89	138	6	(	(	PUNCT
esutjss-89	138	7	0.358	0.358	NUM
esutjss-89	138	8	)	)	PUNCT
esutjss-89	138	9	(	(	PUNCT
esutjss-89	138	10	0.795	0.795	NUM
esutjss-89	138	11	)	)	PUNCT
esutjss-89	138	12	(	(	PUNCT
esutjss-89	138	13	0.806	0.806	NUM
esutjss-89	138	14	)	)	PUNCT
esutjss-89	138	15	(	(	PUNCT
esutjss-89	138	16	0.565	0.565	NUM
esutjss-89	138	17	)	)	PUNCT
esutjss-89	138	18	(	(	PUNCT
esutjss-89	138	19	0.541	0.541	NUM
esutjss-89	138	20	)	)	PUNCT
esutjss-89	138	21	d.sav_int	d.sav_int	VERB
esutjss-89	138	22	0.0156	0.0156	NUM
esutjss-89	138	23	0.0156	0.0156	NUM
esutjss-89	138	24	-0.00430	-0.00430	NOUN
esutjss-89	138	25	-0.000422	-0.000422	NOUN
esutjss-89	138	26	(	(	PUNCT
esutjss-89	138	27	0.435	0.435	NUM
esutjss-89	138	28	)	)	PUNCT
esutjss-89	138	29	(	(	PUNCT
esutjss-89	138	30	0.435	0.435	NUM
esutjss-89	138	31	)	)	PUNCT
esutjss-89	138	32	(	(	PUNCT
esutjss-89	138	33	0.739	0.739	NUM
esutjss-89	138	34	)	)	PUNCT
esutjss-89	138	35	(	(	PUNCT
esutjss-89	138	36	0.986	0.986	NUM
esutjss-89	138	37	)	)	PUNCT
esutjss-89	138	38	d.gpdgrwt	d.gpdgrwt	NOUN
esutjss-89	138	39	-0.0827	-0.0827	PROPN
esutjss-89	138	40	-0.112	-0.112	PUNCT
esutjss-89	138	41	(	(	PUNCT
esutjss-89	138	42	0.429	0.429	NUM
esutjss-89	138	43	)	)	PUNCT
esutjss-89	138	44	(	(	PUNCT
esutjss-89	138	45	0.558	0.558	NUM
esutjss-89	138	46	)	)	PUNCT
esutjss-89	138	47	constant	constant	ADJ
esutjss-89	138	48	0.243	0.243	NUM
esutjss-89	138	49	*	*	PUNCT
esutjss-89	138	50	*	*	PUNCT
esutjss-89	138	51	*	*	PUNCT
esutjss-89	138	52	0.243	0.243	NUM
esutjss-89	138	53	*	*	PUNCT
esutjss-89	138	54	*	*	PUNCT
esutjss-89	138	55	*	*	PUNCT
esutjss-89	138	56	0.220	0.220	NUM
esutjss-89	138	57	*	*	PUNCT
esutjss-89	138	58	*	*	PUNCT
esutjss-89	138	59	*	*	PUNCT
esutjss-89	138	60	0.222	0.222	NUM
esutjss-89	138	61	*	*	NOUN
esutjss-89	138	62	*	*	PUNCT
esutjss-89	138	63	*	*	PUNCT
esutjss-89	138	64	0.201	0.201	NUM
esutjss-89	138	65	*	*	PUNCT
esutjss-89	138	66	*	*	PUNCT
esutjss-89	138	67	*	*	PUNCT
esutjss-89	138	68	0.210	0.210	NUM
esutjss-89	138	69	*	*	PUNCT
esutjss-89	138	70	*	*	PUNCT
esutjss-89	138	71	*	*	PUNCT
esutjss-89	138	72	(	(	PUNCT
esutjss-89	138	73	0.000	0.000	NUM
esutjss-89	138	74	)	)	PUNCT
esutjss-89	138	75	(	(	PUNCT
esutjss-89	138	76	0.000	0.000	NUM
esutjss-89	138	77	)	)	PUNCT
esutjss-89	138	78	(	(	PUNCT
esutjss-89	138	79	0.000	0.000	NUM
esutjss-89	138	80	)	)	PUNCT
esutjss-89	138	81	(	(	PUNCT
esutjss-89	138	82	0.000	0.000	NUM
esutjss-89	138	83	)	)	PUNCT
esutjss-89	138	84	(	(	PUNCT
esutjss-89	138	85	0.000	0.000	NUM
esutjss-89	138	86	)	)	PUNCT
esutjss-89	138	87	(	(	PUNCT
esutjss-89	138	88	0.000	0.000	X
esutjss-89	138	89	)	)	PUNCT
esutjss-89	138	90	observations	observation	NOUN
esutjss-89	138	91	34	34	NUM
esutjss-89	138	92	34	34	NUM
esutjss-89	138	93	34	34	NUM
esutjss-89	138	94	33	33	NUM
esutjss-89	138	95	34	34	NUM
esutjss-89	138	96	33	33	NUM
esutjss-89	138	97	r2	r2	NOUN
esutjss-89	138	98	0.094	0.094	NUM
esutjss-89	138	99	0.094	0.094	NUM
esutjss-89	138	100	0.031	0.031	NUM
esutjss-89	138	101	0.047	0.047	NUM
esutjss-89	138	102	0.039	0.039	NUM
esutjss-89	138	103	0.061	0.061	NUM
esutjss-89	138	104	adjusted	adjusted	ADJ
esutjss-89	138	105	r2	r2	NOUN
esutjss-89	138	106	-0.031	-0.031	ADP
esutjss-89	138	107	-0.031	-0.031	NOUN
esutjss-89	138	108	-0.103	-0.103	NOUN
esutjss-89	138	109	-0.090	-0.090	X
esutjss-89	138	110	-0.094	-0.094	PROPN
esutjss-89	138	111	-0.073	-0.073	PUNCT
esutjss-89	138	112	f	f	NOUN
esutjss-89	138	113	0.756	0.756	NUM
esutjss-89	138	114	0.756	0.756	NUM
esutjss-89	138	115	0.231	0.231	NUM
esutjss-89	138	116	0.342	0.342	NUM
esutjss-89	138	117	0.294	0.294	NUM
esutjss-89	138	118	0.452	0.452	NUM
esutjss-89	138	119	*	*	PUNCT
esutjss-89	138	120	p	p	X
esutjss-89	138	121	<	<	X
esutjss-89	138	122	0.05	0.05	NUM
esutjss-89	138	123	,	,	PUNCT
esutjss-89	138	124	*	*	PUNCT
esutjss-89	138	125	*	*	PUNCT
esutjss-89	138	126	p	p	X
esutjss-89	138	127	<	<	X
esutjss-89	138	128	0.01	0.01	NUM
esutjss-89	138	129	,	,	PUNCT
esutjss-89	138	130	*	*	PUNCT
esutjss-89	138	131	*	*	PUNCT
esutjss-89	138	132	*	*	PUNCT
esutjss-89	138	133	p	p	X
esutjss-89	138	134	<	<	X
esutjss-89	138	135	0.001	0.001	NUM
esutjss-89	138	136	savings	saving	NOUN
esutjss-89	138	137	in	in	ADP
esutjss-89	138	138	nigeria	nigeria	PROPN
esutjss-89	138	139	from	from	ADP
esutjss-89	138	140	the	the	DET
esutjss-89	138	141	above	above	ADJ
esutjss-89	138	142	result	result	NOUN
esutjss-89	138	143	of	of	ADP
esutjss-89	138	144	table	table	NOUN
esutjss-89	138	145	5	5	NUM
esutjss-89	138	146	,	,	PUNCT
esutjss-89	138	147	in	in	ADP
esutjss-89	138	148	the	the	DET
esutjss-89	138	149	estimation	estimation	NOUN
esutjss-89	138	150	of	of	ADP
esutjss-89	138	151	short	short	ADJ
esutjss-89	138	152	run	run	NOUN
esutjss-89	138	153	difference	difference	NOUN
esutjss-89	138	154	of	of	ADP
esutjss-89	138	155	interest	interest	NOUN
esutjss-89	138	156	rate	rate	NOUN
esutjss-89	138	157	spread	spread	VERB
esutjss-89	138	158	on	on	ADP
esutjss-89	138	159	sr	sr	PROPN
esutjss-89	138	160	savings	saving	NOUN
esutjss-89	138	161	and	and	CCONJ
esutjss-89	138	162	srsavings1	srsavings1	NOUN
esutjss-89	138	163	,	,	PUNCT
esutjss-89	138	164	interest	interest	NOUN
esutjss-89	138	165	rate	rate	NOUN
esutjss-89	138	166	spread	spread	VERB
esutjss-89	138	167	and	and	CCONJ
esutjss-89	138	168	exchange	exchange	NOUN
esutjss-89	138	169	rate	rate	NOUN
esutjss-89	138	170	,	,	PUNCT
esutjss-89	138	171	inflation	inflation	NOUN
esutjss-89	138	172	,	,	PUNCT
esutjss-89	138	173	savings	saving	NOUN
esutjss-89	138	174	interest	interest	NOUN
esutjss-89	138	175	and	and	CCONJ
esutjss-89	138	176	gdp	gdp	NOUN
esutjss-89	138	177	growth	growth	NOUN
esutjss-89	138	178	rate	rate	NOUN
esutjss-89	138	179	are	be	AUX
esutjss-89	138	180	statistically	statistically	ADV
esutjss-89	138	181	insignificant	insignificant	ADJ
esutjss-89	138	182	.	.	PUNCT
esutjss-89	139	1	the	the	DET
esutjss-89	139	2	r2is	r2is	NOUN
esutjss-89	139	3	about	about	ADV
esutjss-89	139	4	9	9	NUM
esutjss-89	139	5	%	%	NOUN
esutjss-89	139	6	goodness	goodness	NOUN
esutjss-89	139	7	of	of	ADP
esutjss-89	139	8	fit	fit	ADJ
esutjss-89	139	9	and	and	CCONJ
esutjss-89	139	10	f	f	NOUN
esutjss-89	139	11	-	-	PUNCT
esutjss-89	139	12	statistics	statistic	NOUN
esutjss-89	139	13	is	be	AUX
esutjss-89	139	14	0.756	0.756	NUM
esutjss-89	139	15	and	and	CCONJ
esutjss-89	139	16	0.756	0.756	NUM
esutjss-89	139	17	in	in	ADP
esutjss-89	139	18	the	the	DET
esutjss-89	139	19	estimation	estimation	NOUN
esutjss-89	139	20	of	of	ADP
esutjss-89	139	21	short	short	ADJ
esutjss-89	139	22	run	run	NOUN
esutjss-89	139	23	difference	difference	NOUN
esutjss-89	139	24	interest	interest	NOUN
esutjss-89	139	25	rate	rate	NOUN
esutjss-89	139	26	on	on	ADP
esutjss-89	139	27	sr	sr	PROPN
esutjss-89	139	28	investment	investment	NOUN
esutjss-89	139	29	and	and	CCONJ
esutjss-89	139	30	srinvestment1	srinvestment1	NOUN
esutjss-89	139	31	,	,	PUNCT
esutjss-89	139	32	interest	interest	NOUN
esutjss-89	139	33	rate	rate	NOUN
esutjss-89	139	34	spread	spread	VERB
esutjss-89	139	35	and	and	CCONJ
esutjss-89	139	36	exchange	exchange	NOUN
esutjss-89	139	37	rate	rate	NOUN
esutjss-89	139	38	,	,	PUNCT
esutjss-89	139	39	inflation	inflation	NOUN
esutjss-89	139	40	,	,	PUNCT
esutjss-89	139	41	gdp	gdp	NOUN
esutjss-89	139	42	growth	growth	NOUN
esutjss-89	139	43	rate	rate	NOUN
esutjss-89	139	44	and	and	CCONJ
esutjss-89	139	45	saving	save	VERB
esutjss-89	139	46	interest	interest	NOUN
esutjss-89	139	47	are	be	AUX
esutjss-89	139	48	statistically	statistically	ADV
esutjss-89	139	49	insignificant	insignificant	ADJ
esutjss-89	139	50	.	.	PUNCT
esutjss-89	140	1	the	the	DET
esutjss-89	140	2	r2is	r2is	NOUN
esutjss-89	140	3	about	about	ADV
esutjss-89	140	4	3	3	NUM
esutjss-89	140	5	%	%	NOUN
esutjss-89	140	6	and	and	CCONJ
esutjss-89	140	7	4	4	NUM
esutjss-89	140	8	%	%	NOUN
esutjss-89	140	9	goodness	goodness	NOUN
esutjss-89	140	10	of	of	ADP
esutjss-89	140	11	fit	fit	ADJ
esutjss-89	140	12	and	and	CCONJ
esutjss-89	140	13	f	f	NOUN
esutjss-89	140	14	-	-	PUNCT
esutjss-89	140	15	statistics	statistic	NOUN
esutjss-89	140	16	is	be	AUX
esutjss-89	140	17	0.231	0.231	NUM
esutjss-89	140	18	and	and	CCONJ
esutjss-89	140	19	0.342	0.342	NUM
esutjss-89	140	20	in	in	ADP
esutjss-89	140	21	the	the	DET
esutjss-89	140	22	estimation	estimation	NOUN
esutjss-89	140	23	of	of	ADP
esutjss-89	140	24	interest	interest	NOUN
esutjss-89	140	25	rate	rate	NOUN
esutjss-89	140	26	spread	spread	VERB
esutjss-89	140	27	sr	sr	PROPN
esutjss-89	140	28	consumption	consumption	NOUN
esutjss-89	140	29	and	and	CCONJ
esutjss-89	140	30	srconsuption1	srconsuption1	NOUN
esutjss-89	140	31	,	,	PUNCT
esutjss-89	140	32	interest	interest	NOUN
esutjss-89	140	33	rate	rate	NOUN
esutjss-89	140	34	spread	spread	VERB
esutjss-89	140	35	and	and	CCONJ
esutjss-89	140	36	exchange	exchange	NOUN
esutjss-89	140	37	rate	rate	NOUN
esutjss-89	140	38	,	,	PUNCT
esutjss-89	140	39	inflation	inflation	NOUN
esutjss-89	140	40	,	,	PUNCT
esutjss-89	140	41	savings	saving	NOUN
esutjss-89	140	42	interest	interest	NOUN
esutjss-89	140	43	and	and	CCONJ
esutjss-89	140	44	gdp	gdp	NOUN
esutjss-89	140	45	growth	growth	NOUN
esutjss-89	140	46	rate	rate	NOUN
esutjss-89	140	47	are	be	AUX
esutjss-89	140	48	statistically	statistically	ADV
esutjss-89	140	49	insignificant	insignificant	ADJ
esutjss-89	140	50	.	.	PUNCT
esutjss-89	141	1	the	the	DET
esutjss-89	141	2	r2is	r2is	NOUN
esutjss-89	141	3	about	about	ADV
esutjss-89	141	4	3	3	NUM
esutjss-89	141	5	%	%	NOUN
esutjss-89	141	6	and6	and6	PROPN
esutjss-89	141	7	%	%	NOUN
esutjss-89	141	8	goodness	goodness	NOUN
esutjss-89	141	9	of	of	ADP
esutjss-89	141	10	fit	fit	NOUN
esutjss-89	141	11	and	and	CCONJ
esutjss-89	141	12	fstatistics	fstatistic	NOUN
esutjss-89	141	13	is	be	AUX
esutjss-89	141	14	0.294	0.294	NUM
esutjss-89	141	15	and	and	CCONJ
esutjss-89	141	16	0.425	0.425	NUM
esutjss-89	141	17	.	.	PUNCT
esutjss-89	142	1	conclusion	conclusion	NOUN
esutjss-89	142	2	and	and	CCONJ
esutjss-89	142	3	policy	policy	NOUN
esutjss-89	142	4	recommendations	recommendation	NOUN
esutjss-89	142	5	conclusion	conclusion	VERB
esutjss-89	142	6	the	the	DET
esutjss-89	142	7	paper	paper	NOUN
esutjss-89	142	8	empirically	empirically	ADV
esutjss-89	142	9	examined	examine	VERB
esutjss-89	142	10	the	the	DET
esutjss-89	142	11	impact	impact	NOUN
esutjss-89	142	12	of	of	ADP
esutjss-89	142	13	interest	interest	NOUN
esutjss-89	142	14	rate	rate	NOUN
esutjss-89	142	15	spread	spread	VERB
esutjss-89	142	16	on	on	ADP
esutjss-89	142	17	economic	economic	ADJ
esutjss-89	142	18	growth	growth	NOUN
esutjss-89	142	19	in	in	ADP
esutjss-89	142	20	nigeria	nigeria	PROPN
esutjss-89	142	21	from	from	ADP
esutjss-89	142	22	1980	1980	NUM
esutjss-89	142	23	-	-	SYM
esutjss-89	142	24	2019	2019	NUM
esutjss-89	142	25	.	.	PUNCT
esutjss-89	143	1	the	the	DET
esutjss-89	143	2	paper	paper	NOUN
esutjss-89	143	3	is	be	AUX
esutjss-89	143	4	anchored	anchor	VERB
esutjss-89	143	5	on	on	ADP
esutjss-89	143	6	fishers	fisher	NOUN
esutjss-89	143	7	theory	theory	NOUN
esutjss-89	143	8	which	which	PRON
esutjss-89	143	9	explain	explain	VERB
esutjss-89	143	10	that	that	SCONJ
esutjss-89	143	11	when	when	SCONJ
esutjss-89	143	12	individual	individual	NOUN
esutjss-89	143	13	sees	see	VERB
esutjss-89	143	14	that	that	SCONJ
esutjss-89	143	15	the	the	DET
esutjss-89	143	16	future	future	NOUN
esutjss-89	143	17	is	be	AUX
esutjss-89	143	18	best	good	ADJ
esutjss-89	143	19	,	,	PUNCT
esutjss-89	143	20	they	they	PRON
esutjss-89	143	21	will	will	AUX
esutjss-89	143	22	prefer	prefer	VERB
esutjss-89	143	23	to	to	PART
esutjss-89	143	24	save	save	VERB
esutjss-89	143	25	than	than	ADP
esutjss-89	143	26	current	current	ADJ
esutjss-89	143	27	consumption	consumption	NOUN
esutjss-89	143	28	;	;	PUNCT
esutjss-89	143	29	they	they	PRON
esutjss-89	143	30	will	will	AUX
esutjss-89	143	31	prefer	prefer	VERB
esutjss-89	143	32	to	to	PART
esutjss-89	143	33	consume	consume	VERB
esutjss-89	143	34	small	small	ADJ
esutjss-89	143	35	today	today	NOUN
esutjss-89	143	36	and	and	CCONJ
esutjss-89	143	37	save	save	VERB
esutjss-89	143	38	more	more	ADJ
esutjss-89	143	39	for	for	ADP
esutjss-89	143	40	future	future	ADJ
esutjss-89	143	41	consumption	consumption	NOUN
esutjss-89	143	42	.	.	PUNCT
esutjss-89	144	1	according	accord	VERB
esutjss-89	144	2	to	to	ADP
esutjss-89	144	3	him	he	PRON
esutjss-89	144	4	,	,	PUNCT
esutjss-89	144	5	two	two	NUM
esutjss-89	144	6	factors	factor	NOUN
esutjss-89	144	7	influence	influence	VERB
esutjss-89	144	8	different	different	ADJ
esutjss-89	144	9	individual	individual	NOUN
esutjss-89	144	10	to	to	PART
esutjss-89	144	11	save	save	VERB
esutjss-89	144	12	,	,	PUNCT
esutjss-89	144	13	invest	invest	VERB
esutjss-89	144	14	and	and	CCONJ
esutjss-89	144	15	consume	consume	VERB
esutjss-89	144	16	;	;	PUNCT
esutjss-89	144	17	one	one	NUM
esutjss-89	144	18	is	be	AUX
esutjss-89	144	19	the	the	DET
esutjss-89	144	20	income	income	NOUN
esutjss-89	144	21	,	,	PUNCT
esutjss-89	144	22	when	when	SCONJ
esutjss-89	144	23	there	there	PRON
esutjss-89	144	24	is	be	VERB
esutjss-89	144	25	high	high	ADJ
esutjss-89	144	26	income	income	NOUN
esutjss-89	144	27	individual	individual	NOUN
esutjss-89	144	28	may	may	AUX
esutjss-89	144	29	save	save	VERB
esutjss-89	144	30	more	more	ADJ
esutjss-89	144	31	and	and	CCONJ
esutjss-89	144	32	the	the	DET
esutjss-89	144	33	other	other	ADJ
esutjss-89	144	34	is	be	AUX
esutjss-89	144	35	compensation	compensation	NOUN
esutjss-89	144	36	individual	individual	NOUN
esutjss-89	144	37	obtained	obtain	VERB
esutjss-89	144	38	for	for	ADP
esutjss-89	144	39	lending	lend	VERB
esutjss-89	144	40	his	his	PRON
esutjss-89	144	41	savings	saving	NOUN
esutjss-89	144	42	to	to	ADP
esutjss-89	144	43	another	another	DET
esutjss-89	144	44	individual	individual	NOUN
esutjss-89	144	45	,	,	PUNCT
esutjss-89	144	46	who	who	PRON
esutjss-89	144	47	needs	need	VERB
esutjss-89	144	48	extra	extra	ADJ
esutjss-89	144	49	funds	fund	NOUN
esutjss-89	144	50	and	and	CCONJ
esutjss-89	144	51	ready	ready	ADJ
esutjss-89	144	52	to	to	PART
esutjss-89	144	53	pay	pay	VERB
esutjss-89	144	54	for	for	ADP
esutjss-89	144	55	their	their	PRON
esutjss-89	144	56	use	use	NOUN
esutjss-89	144	57	.	.	PUNCT
esutjss-89	145	1	the	the	DET
esutjss-89	145	2	rate	rate	NOUN
esutjss-89	145	3	of	of	ADP
esutjss-89	145	4	interest	interest	NOUN
esutjss-89	145	5	is	be	AUX
esutjss-89	145	6	the	the	DET
esutjss-89	145	7	reward	reward	NOUN
esutjss-89	145	8	or	or	CCONJ
esutjss-89	145	9	use	use	NOUN
esutjss-89	145	10	of	of	ADP
esutjss-89	145	11	funds	fund	NOUN
esutjss-89	145	12	payment	payment	NOUN
esutjss-89	145	13	.	.	PUNCT
esutjss-89	146	1	for	for	ADP
esutjss-89	146	2	effective	effective	ADJ
esutjss-89	146	3	estimation	estimation	NOUN
esutjss-89	146	4	,	,	PUNCT
esutjss-89	146	5	the	the	DET
esutjss-89	146	6	paper	paper	NOUN
esutjss-89	146	7	use	use	VERB
esutjss-89	146	8	short	short	ADJ
esutjss-89	146	9	run	run	NOUN
esutjss-89	146	10	ecm	ecm	NOUN
esutjss-89	146	11	to	to	PART
esutjss-89	146	12	investigate	investigate	VERB
esutjss-89	146	13	the	the	DET
esutjss-89	146	14	impact	impact	NOUN
esutjss-89	146	15	of	of	ADP
esutjss-89	146	16	interest	interest	NOUN
esutjss-89	146	17	rate	rate	NOUN
esutjss-89	146	18	spread	spread	VERB
esutjss-89	146	19	on	on	ADP
esutjss-89	146	20	savings	saving	NOUN
esutjss-89	146	21	.	.	PUNCT
esutjss-89	147	1	the	the	DET
esutjss-89	147	2	short	short	ADJ
esutjss-89	147	3	run	run	NOUN
esutjss-89	147	4	difference	difference	NOUN
esutjss-89	147	5	model	model	NOUN
esutjss-89	147	6	was	be	AUX
esutjss-89	147	7	also	also	ADV
esutjss-89	147	8	used	use	VERB
esutjss-89	147	9	to	to	PART
esutjss-89	147	10	find	find	VERB
esutjss-89	147	11	the	the	DET
esutjss-89	147	12	effect	effect	NOUN
esutjss-89	147	13	of	of	ADP
esutjss-89	147	14	interest	interest	NOUN
esutjss-89	147	15	spread	spread	VERB
esutjss-89	147	16	on	on	ADP
esutjss-89	147	17	savings	saving	NOUN
esutjss-89	147	18	.	.	PUNCT
esutjss-89	148	1	to	to	PART
esutjss-89	148	2	actualize	actualize	VERB
esutjss-89	148	3	all	all	DET
esutjss-89	148	4	these	these	DET
esutjss-89	148	5	estimations	estimation	NOUN
esutjss-89	148	6	,	,	PUNCT
esutjss-89	148	7	all	all	DET
esutjss-89	148	8	the	the	DET
esutjss-89	148	9	structural	structural	ADJ
esutjss-89	148	10	tests	test	NOUN
esutjss-89	148	11	on	on	ADP
esutjss-89	148	12	the	the	DET
esutjss-89	148	13	data	datum	NOUN
esutjss-89	148	14	were	be	AUX
esutjss-89	148	15	carried	carry	VERB
esutjss-89	148	16	out	out	ADP
esutjss-89	148	17	in	in	ADP
esutjss-89	148	18	order	order	NOUN
esutjss-89	148	19	to	to	PART
esutjss-89	148	20	achieve	achieve	VERB
esutjss-89	148	21	an	an	DET
esutjss-89	148	22	unbiased	unbiased	ADJ
esutjss-89	148	23	estimation	estimation	NOUN
esutjss-89	148	24	of	of	ADP
esutjss-89	148	25	the	the	DET
esutjss-89	148	26	models	model	NOUN
esutjss-89	148	27	.	.	PUNCT
esutjss-89	149	1	starting	start	VERB
esutjss-89	149	2	from	from	ADP
esutjss-89	149	3	the	the	DET
esutjss-89	149	4	descriptive	descriptive	ADJ
esutjss-89	149	5	test	test	NOUN
esutjss-89	149	6	analysis	analysis	NOUN
esutjss-89	149	7	,	,	PUNCT
esutjss-89	149	8	augmenteddickey	augmenteddickey	VERB
esutjss-89	149	9	fuller	full	ADJ
esutjss-89	149	10	unit	unit	NOUN
esutjss-89	149	11	root	root	PROPN
esutjss-89	149	12	test	test	NOUN
esutjss-89	149	13	,	,	PUNCT
esutjss-89	149	14	co	co	NOUN
esutjss-89	149	15	-	-	NOUN
esutjss-89	149	16	integration	integration	NOUN
esutjss-89	149	17	test	test	NOUN
esutjss-89	149	18	,	,	PUNCT
esutjss-89	149	19	ordinary	ordinary	ADJ
esutjss-89	149	20	least	least	ADJ
esutjss-89	149	21	square	square	ADJ
esutjss-89	149	22	estimation	estimation	NOUN
esutjss-89	149	23	and	and	CCONJ
esutjss-89	149	24	error	error	NOUN
esutjss-89	149	25	correction	correction	NOUN
esutjss-89	149	26	model	model	NOUN
esutjss-89	149	27	(	(	PUNCT
esutjss-89	149	28	ecm	ecm	PROPN
esutjss-89	149	29	)	)	PUNCT
esutjss-89	149	30	,	,	PUNCT
esutjss-89	149	31	the	the	DET
esutjss-89	149	32	ecm	ecm	PROPN
esutjss-89	149	33	test	test	NOUN
esutjss-89	149	34	was	be	AUX
esutjss-89	149	35	carried	carry	VERB
esutjss-89	149	36	out	out	ADP
esutjss-89	149	37	to	to	PART
esutjss-89	149	38	know	know	VERB
esutjss-89	149	39	whether	whether	SCONJ
esutjss-89	149	40	there	there	PRON
esutjss-89	149	41	is	be	VERB
esutjss-89	149	42	an	an	DET
esutjss-89	149	43	error	error	NOUN
esutjss-89	149	44	in	in	ADP
esutjss-89	149	45	ols	ol	NOUN
esutjss-89	149	46	model	model	NOUN
esutjss-89	149	47	or	or	CCONJ
esutjss-89	149	48	not	not	PART
esutjss-89	149	49	.	.	PUNCT
esutjss-89	150	1	policy	policy	NOUN
esutjss-89	150	2	recommendations	recommendation	NOUN
esutjss-89	150	3	based	base	VERB
esutjss-89	150	4	on	on	ADP
esutjss-89	150	5	the	the	DET
esutjss-89	150	6	findings	finding	NOUN
esutjss-89	150	7	,	,	PUNCT
esutjss-89	150	8	the	the	DET
esutjss-89	150	9	study	study	NOUN
esutjss-89	150	10	recommends	recommend	VERB
esutjss-89	150	11	that	that	SCONJ
esutjss-89	150	12	the	the	DET
esutjss-89	150	13	central	central	ADJ
esutjss-89	150	14	bank	bank	NOUN
esutjss-89	150	15	should	should	AUX
esutjss-89	150	16	continue	continue	VERB
esutjss-89	150	17	to	to	PART
esutjss-89	150	18	put	put	VERB
esutjss-89	150	19	in	in	ADP
esutjss-89	150	20	place	place	NOUN
esutjss-89	150	21	stronger	strong	ADJ
esutjss-89	150	22	measures	measure	NOUN
esutjss-89	150	23	to	to	PART
esutjss-89	150	24	monitor	monitor	VERB
esutjss-89	150	25	interest	interest	NOUN
esutjss-89	150	26	rate	rate	NOUN
esutjss-89	150	27	spread	spread	VERB
esutjss-89	150	28	related	related	ADJ
esutjss-89	150	29	measures	measure	NOUN
esutjss-89	150	30	such	such	ADJ
esutjss-89	150	31	as	as	ADP
esutjss-89	150	32	deposit	deposit	NOUN
esutjss-89	150	33	rate	rate	NOUN
esutjss-89	150	34	,	,	PUNCT
esutjss-89	150	35	lending	lending	NOUN
esutjss-89	150	36	rate	rate	NOUN
esutjss-89	150	37	,	,	PUNCT
esutjss-89	150	38	operating	operating	NOUN
esutjss-89	150	39	efficiency	efficiency	NOUN
esutjss-89	150	40	,	,	PUNCT
esutjss-89	150	41	liquidity	liquidity	NOUN
esutjss-89	150	42	risk	risk	NOUN
esutjss-89	150	43	,	,	PUNCT
esutjss-89	150	44	provision	provision	NOUN
esutjss-89	150	45	and	and	CCONJ
esutjss-89	150	46	gross	gross	ADJ
esutjss-89	150	47	domestic	domestic	ADJ
esutjss-89	150	48	rate	rate	NOUN
esutjss-89	150	49	in	in	ADP
esutjss-89	150	50	other	other	ADJ
esutjss-89	150	51	to	to	PART
esutjss-89	150	52	boost	boost	VERB
esutjss-89	150	53	financial	financial	ADJ
esutjss-89	150	54	performance	performance	NOUN
esutjss-89	150	55	in	in	ADP
esutjss-89	150	56	nigeria	nigeria	PROPN
esutjss-89	150	57	.	.	PUNCT
esutjss-89	151	1	the	the	DET
esutjss-89	151	2	study	study	NOUN
esutjss-89	151	3	also	also	ADV
esutjss-89	151	4	recommends	recommend	VERB
esutjss-89	151	5	that	that	SCONJ
esutjss-89	151	6	government	government	NOUN
esutjss-89	151	7	should	should	AUX
esutjss-89	151	8	strengthen	strengthen	VERB
esutjss-89	151	9	collaboration	collaboration	NOUN
esutjss-89	151	10	with	with	ADP
esutjss-89	151	11	financial	financial	ADJ
esutjss-89	151	12	institutions	institution	NOUN
esutjss-89	151	13	to	to	PART
esutjss-89	151	14	put	put	VERB
esutjss-89	151	15	appropriate	appropriate	ADJ
esutjss-89	151	16	policies	policy	NOUN
esutjss-89	151	17	and	and	CCONJ
esutjss-89	151	18	strategies	strategy	NOUN
esutjss-89	151	19	in	in	ADP
esutjss-89	151	20	place	place	NOUN
esutjss-89	151	21	to	to	PART
esutjss-89	151	22	reduce	reduce	VERB
esutjss-89	151	23	banks	bank	NOUN
esutjss-89	151	24	’	’	PART
esutjss-89	151	25	lending	lending	NOUN
esutjss-89	151	26	rate	rate	NOUN
esutjss-89	151	27	293	293	NUM
esutjss-89	151	28	references	reference	NOUN
esutjss-89	151	29	acha	acha	PROPN
esutjss-89	151	30	,	,	PUNCT
esutjss-89	151	31	i.	i.	PROPN
esutjss-89	151	32	a.	a.	PROPN
esutjss-89	151	33	(	(	PUNCT
esutjss-89	151	34	2011	2011	NUM
esutjss-89	151	35	)	)	PUNCT
esutjss-89	151	36	.	.	PUNCT
esutjss-89	152	1	interest	interest	NOUN
esutjss-89	152	2	rates	rate	NOUN
esutjss-89	152	3	in	in	ADP
esutjss-89	152	4	nigeria	nigeria	PROPN
esutjss-89	152	5	:	:	PUNCT
esutjss-89	152	6	an	an	DET
esutjss-89	152	7	analytical	analytical	ADJ
esutjss-89	152	8	perspective	perspective	NOUN
esutjss-89	152	9	research	research	NOUN
esutjss-89	152	10	journal	journal	NOUN
esutjss-89	152	11	of	of	ADP
esutjss-89	152	12	finance	finance	NOUN
esutjss-89	152	13	and	and	CCONJ
esutjss-89	152	14	accounting	accounting	NOUN
esutjss-89	152	15	.	.	PUNCT
esutjss-89	153	1	2	2	NUM
esutjss-89	153	2	(	(	PUNCT
esutjss-89	153	3	3	3	NUM
esutjss-89	153	4	)	)	PUNCT
esutjss-89	153	5	adeyemi	adeyemi	ADV
esutjss-89	153	6	,	,	PUNCT
esutjss-89	153	7	a.	a.	NOUN
esutjss-89	153	8	o.	o.	PROPN
esutjss-89	153	9	&	&	CCONJ
esutjss-89	153	10	alege	alege	PROPN
esutjss-89	153	11	p.	p.	PROPN
esutjss-89	154	1	o.	o.	PROPN
esutjss-89	154	2	(	(	PUNCT
esutjss-89	154	3	2013	2013	NUM
esutjss-89	154	4	)	)	PUNCT
esutjss-89	154	5	.	.	PUNCT
esutjss-89	155	1	interest	interest	NOUN
esutjss-89	155	2	rate	rate	NOUN
esutjss-89	155	3	pass	pass	NOUN
esutjss-89	155	4	-	-	PUNCT
esutjss-89	155	5	through	through	NOUN
esutjss-89	155	6	to	to	ADP
esutjss-89	155	7	macroeconomic	macroeconomic	ADJ
esutjss-89	155	8	variables	variable	NOUN
esutjss-89	155	9	:	:	PUNCT
esutjss-89	155	10	the	the	DET
esutjss-89	155	11	nigerian	nigerian	ADJ
esutjss-89	155	12	experience	experience	NOUN
esutjss-89	155	13	;	;	PUNCT
esutjss-89	155	14	international	international	ADJ
esutjss-89	155	15	journal	journal	NOUN
esutjss-89	155	16	of	of	ADP
esutjss-89	155	17	economics	economic	NOUN
esutjss-89	155	18	and	and	CCONJ
esutjss-89	155	19	finance	finance	NOUN
esutjss-89	155	20	;	;	PUNCT
esutjss-89	155	21	5(10	5(10	NUM
esutjss-89	155	22	)	)	PUNCT
esutjss-89	155	23	akinlo	akinlo	NOUN
esutjss-89	155	24	,	,	PUNCT
esutjss-89	155	25	a.	a.	NOUN
esutjss-89	155	26	e	e	PROPN
esutjss-89	155	27	,	,	PUNCT
esutjss-89	155	28	owoyemi	owoyemi	PROPN
esutjss-89	155	29	,	,	PUNCT
esutjss-89	155	30	b.	b.	PROPN
esutjss-89	155	31	o.	o.	PROPN
esutjss-89	155	32	(	(	PUNCT
esutjss-89	155	33	2012	2012	NUM
esutjss-89	155	34	)	)	PUNCT
esutjss-89	155	35	.	.	PUNCT
esutjss-89	156	1	the	the	DET
esutjss-89	156	2	determinants	determinant	NOUN
esutjss-89	156	3	of	of	ADP
esutjss-89	156	4	interest	interest	NOUN
esutjss-89	156	5	rate	rate	NOUN
esutjss-89	156	6	spreads	spread	NOUN
esutjss-89	156	7	in	in	ADP
esutjss-89	156	8	nigeria	nigeria	PROPN
esutjss-89	156	9	:	:	PUNCT
esutjss-89	156	10	an	an	DET
esutjss-89	156	11	empirical	empirical	ADJ
esutjss-89	156	12	investigation	investigation	NOUN
esutjss-89	156	13	.	.	PUNCT
esutjss-89	157	1	journal	journal	NOUN
esutjss-89	157	2	of	of	ADP
esutjss-89	157	3	scientific	scientific	ADJ
esutjss-89	157	4	research	research	NOUN
esutjss-89	157	5	,	,	PUNCT
esutjss-89	157	6	modern	modern	ADJ
esutjss-89	157	7	economy	economy	NOUN
esutjss-89	157	8	,	,	PUNCT
esutjss-89	157	9	(	(	PUNCT
esutjss-89	157	10	3	3	NUM
esutjss-89	157	11	)	)	PUNCT
esutjss-89	157	12	,	,	PUNCT
esutjss-89	157	13	837848	837848	NUM
esutjss-89	157	14	.	.	PUNCT
esutjss-89	158	1	damar	damar	PROPN
esutjss-89	158	2	,	,	PUNCT
esutjss-89	158	3	e.	e.	PROPN
esutjss-89	158	4	h.	h.	PROPN
esutjss-89	158	5	,	,	PUNCT
esutjss-89	158	6	gropp	gropp	PROPN
esutjss-89	158	7	,	,	PUNCT
esutjss-89	158	8	r.	r.	PROPN
esutjss-89	158	9	,	,	PUNCT
esutjss-89	158	10	&	&	CCONJ
esutjss-89	158	11	mordel	mordel	PROPN
esutjss-89	158	12	,	,	PUNCT
esutjss-89	158	13	a.	a.	NOUN
esutjss-89	158	14	(	(	PUNCT
esutjss-89	158	15	2014	2014	NUM
esutjss-89	158	16	)	)	PUNCT
esutjss-89	158	17	.	.	PUNCT
esutjss-89	159	1	banks	bank	NOUN
esutjss-89	159	2	’	’	PART
esutjss-89	159	3	financial	financial	ADJ
esutjss-89	159	4	distress	distress	NOUN
esutjss-89	159	5	,	,	PUNCT
esutjss-89	159	6	lending	lending	NOUN
esutjss-89	159	7	supply	supply	NOUN
esutjss-89	159	8	and	and	CCONJ
esutjss-89	159	9	consumption	consumption	NOUN
esutjss-89	159	10	expenditure	expenditure	NOUN
esutjss-89	159	11	.	.	PUNCT
esutjss-89	160	1	european	european	PROPN
esutjss-89	160	2	central	central	PROPN
esutjss-89	160	3	bank	bank	PROPN
esutjss-89	160	4	,	,	PUNCT
esutjss-89	160	5	working	work	VERB
esutjss-89	160	6	paper	paper	NOUN
esutjss-89	160	7	series	series	NOUN
esutjss-89	160	8	.	.	PUNCT
esutjss-89	161	1	no	no	DET
esutjss-89	161	2	1687	1687	NUM
esutjss-89	161	3	edwim	edwim	ADJ
esutjss-89	161	4	,	,	PUNCT
esutjss-89	161	5	m.	m.	NOUN
esutjss-89	161	6	e.	e.	PROPN
esutjss-89	161	7	(	(	PUNCT
esutjss-89	161	8	2014	2014	NUM
esutjss-89	161	9	)	)	PUNCT
esutjss-89	161	10	.	.	PUNCT
esutjss-89	162	1	on	on	ADP
esutjss-89	162	2	interest	interest	NOUN
esutjss-89	162	3	elasticity	elasticity	NOUN
esutjss-89	162	4	of	of	ADP
esutjss-89	162	5	commercial	commercial	ADJ
esutjss-89	162	6	bank	bank	NOUN
esutjss-89	162	7	deposit	deposit	NOUN
esutjss-89	162	8	in	in	ADP
esutjss-89	162	9	nigeria	nigeria	PROPN
esutjss-89	162	10	case	case	NOUN
esutjss-89	162	11	study	study	NOUN
esutjss-89	162	12	(	(	PUNCT
esutjss-89	162	13	union	union	PROPN
esutjss-89	162	14	bank	bank	PROPN
esutjss-89	162	15	)	)	PUNCT
esutjss-89	162	16	.	.	PUNCT
esutjss-89	163	1	jorind	jorind	ADJ
esutjss-89	163	2	12(1	12(1	PROPN
esutjss-89	163	3	)	)	PUNCT
esutjss-89	163	4	95	95	NUM
esutjss-89	163	5	-	-	SYM
esutjss-89	163	6	113	113	NUM
esutjss-89	163	7	ekwem	ekwem	NOUN
esutjss-89	163	8	,	,	PUNCT
esutjss-89	163	9	j.a	j.a	PROPN
esutjss-89	163	10	.	.	PROPN
esutjss-89	163	11	(	(	PUNCT
esutjss-89	163	12	2012	2012	NUM
esutjss-89	163	13	)	)	PUNCT
esutjss-89	163	14	.	.	PUNCT
esutjss-89	164	1	determinants	determinant	NOUN
esutjss-89	164	2	of	of	ADP
esutjss-89	164	3	interest	interest	NOUN
esutjss-89	164	4	rate	rate	NOUN
esutjss-89	164	5	spread	spread	VERB
esutjss-89	164	6	in	in	ADP
esutjss-89	164	7	nigeria	nigeria	PROPN
esutjss-89	164	8	:	:	PUNCT
esutjss-89	164	9	an	an	DET
esutjss-89	164	10	empirical	empirical	ADJ
esutjss-89	164	11	investigation	investigation	NOUN
esutjss-89	164	12	.	.	PUNCT
esutjss-89	165	1	quarterly	quarterly	ADJ
esutjss-89	165	2	journal	journal	NOUN
esutjss-89	165	3	of	of	ADP
esutjss-89	165	4	economics	economic	NOUN
esutjss-89	165	5	.	.	PUNCT
esutjss-89	166	1	ezeji	ezeji	PROPN
esutjss-89	166	2	,	,	PUNCT
esutjss-89	166	3	c.	c.	PROPN
esutjss-89	166	4	e	e	PROPN
esutjss-89	166	5	&	&	CCONJ
esutjss-89	166	6	ajudua	ajudua	PROPN
esutjss-89	166	7	,	,	PUNCT
esutjss-89	166	8	e.i	e.i	PROPN
esutjss-89	166	9	.	.	PROPN
esutjss-89	166	10	(	(	PUNCT
esutjss-89	166	11	2015	2015	NUM
esutjss-89	166	12	)	)	PUNCT
esutjss-89	166	13	.	.	PUNCT
esutjss-89	167	1	determinants	determinant	NOUN
esutjss-89	167	2	of	of	ADP
esutjss-89	167	3	aggregate	aggregate	ADJ
esutjss-89	167	4	consumption	consumption	NOUN
esutjss-89	167	5	expenditure	expenditure	NOUN
esutjss-89	167	6	.	.	PUNCT
esutjss-89	168	1	issn	issn	PROPN
esutjss-89	168	2	222	222	NUM
esutjss-89	168	3	-	-	SYM
esutjss-89	168	4	1700	1700	NUM
esutjss-89	168	5	(	(	PUNCT
esutjss-89	168	6	paper).6	paper).6	X
esutjss-89	168	7	(	(	PUNCT
esutjss-89	168	8	5	5	NUM
esutjss-89	168	9	)	)	PUNCT
esutjss-89	168	10	.	.	PUNCT
esutjss-89	169	1	jibrina	jibrina	PROPN
esutjss-89	169	2	,	,	PUNCT
esutjss-89	169	3	m.	m.	PROPN
esutjss-89	169	4	s.	s.	PROPN
esutjss-89	169	5	,	,	PUNCT
esutjss-89	169	6	iyaji	iyaji	PROPN
esutjss-89	169	7	,	,	PUNCT
esutjss-89	169	8	d.	d.	PROPN
esutjss-89	169	9	&	&	CCONJ
esutjss-89	169	10	ejura	ejura	PROPN
esutjss-89	169	11	,	,	PUNCT
esutjss-89	169	12	b.	b.	PROPN
esutjss-89	169	13	s.	s.	PROPN
esutjss-89	169	14	(	(	PUNCT
esutjss-89	169	15	2014	2014	NUM
esutjss-89	169	16	)	)	PUNCT
esutjss-89	169	17	.	.	PUNCT
esutjss-89	170	1	private	private	ADJ
esutjss-89	170	2	domestic	domestic	ADJ
esutjss-89	170	3	savings	saving	NOUN
esutjss-89	170	4	mobilization	mobilization	NOUN
esutjss-89	170	5	by	by	ADP
esutjss-89	170	6	commercial	commercial	ADJ
esutjss-89	170	7	banks	bank	NOUN
esutjss-89	170	8	and	and	CCONJ
esutjss-89	170	9	economic	economic	ADJ
esutjss-89	170	10	growth	growth	NOUN
esutjss-89	170	11	in	in	ADP
esutjss-89	170	12	nigeria	nigeria	PROPN
esutjss-89	170	13	.	.	PUNCT
esutjss-89	171	1	beykent	beykent	PROPN
esutjss-89	171	2	university	university	PROPN
esutjss-89	171	3	journal	journal	NOUN
esutjss-89	171	4	of	of	ADP
esutjss-89	171	5	social	social	PROPN
esutjss-89	171	6	sciences.7(1):1307	sciences.7(1):1307	PROPN
esutjss-89	171	7	-	-	PUNCT
esutjss-89	171	8	5063	5063	NUM
esutjss-89	171	9	jolaosho	jolaosho	PROPN
esutjss-89	171	10	,	,	PUNCT
esutjss-89	171	11	o.	o.	PROPN
esutjss-89	171	12	m.	m.	NOUN
esutjss-89	171	13	,	,	PUNCT
esutjss-89	171	14	&	&	CCONJ
esutjss-89	171	15	olayemi	olayemi	PROPN
esutjss-89	171	16	,	,	PUNCT
esutjss-89	171	17	s.	s.	PROPN
esutjss-89	171	18	o.	o.	PROPN
esutjss-89	171	19	(	(	PUNCT
esutjss-89	171	20	2013	2013	NUM
esutjss-89	171	21	)	)	PUNCT
esutjss-89	171	22	.	.	PUNCT
esutjss-89	172	1	real	real	ADJ
esutjss-89	172	2	interest	interest	NOUN
esutjss-89	172	3	rate	rate	NOUN
esutjss-89	172	4	and	and	CCONJ
esutjss-89	172	5	savings	saving	NOUN
esutjss-89	172	6	mobilization	mobilization	NOUN
esutjss-89	172	7	in	in	ADP
esutjss-89	172	8	nigeria	nigeria	PROPN
esutjss-89	172	9	.	.	PUNCT
esutjss-89	173	1	international	international	ADJ
esutjss-89	173	2	journal	journal	PROPN
esutjss-89	173	3	of	of	ADP
esutjss-89	173	4	development	development	NOUN
esutjss-89	173	5	and	and	CCONJ
esutjss-89	173	6	economic	economic	ADJ
esutjss-89	173	7	sustainability	sustainability	NOUN
esutjss-89	173	8	.	.	PUNCT
esutjss-89	174	1	1(2	1(2	NUM
esutjss-89	174	2	):	):	PUNCT
esutjss-89	174	3	28	28	NUM
esutjss-89	174	4	-	-	SYM
esutjss-89	174	5	40	40	NUM
esutjss-89	174	6	kama	kama	NOUN
esutjss-89	174	7	,	,	PUNCT
esutjss-89	174	8	u.	u.	PROPN
esutjss-89	174	9	(	(	PUNCT
esutjss-89	174	10	2009	2009	NUM
esutjss-89	174	11	)	)	PUNCT
esutjss-89	174	12	.	.	PUNCT
esutjss-89	175	1	banking	banking	NOUN
esutjss-89	175	2	sector	sector	NOUN
esutjss-89	175	3	crisis	crisis	NOUN
esutjss-89	175	4	and	and	CCONJ
esutjss-89	175	5	resolution	resolution	NOUN
esutjss-89	175	6	options	option	NOUN
esutjss-89	175	7	in	in	ADP
esutjss-89	175	8	nigeria	nigeria	PROPN
esutjss-89	175	9	.	.	PUNCT
esutjss-89	176	1	bullion	bullion	NOUN
esutjss-89	176	2	publication	publication	NOUN
esutjss-89	176	3	of	of	ADP
esutjss-89	176	4	the	the	DET
esutjss-89	176	5	central	central	ADJ
esutjss-89	176	6	bank	bank	PROPN
esutjss-89	176	7	of	of	ADP
esutjss-89	176	8	nigeria	nigeria	PROPN
esutjss-89	176	9	.	.	PUNCT
esutjss-89	177	1	33	33	NUM
esutjss-89	177	2	,	,	PUNCT
esutjss-89	177	3	(	(	PUNCT
esutjss-89	177	4	4	4	X
esutjss-89	177	5	)	)	PUNCT
esutjss-89	177	6	kendall	kendall	PROPN
esutjss-89	177	7	,	,	PUNCT
esutjss-89	177	8	p.	p.	NOUN
esutjss-89	177	9	(	(	PUNCT
esutjss-89	177	10	2000	2000	NUM
esutjss-89	177	11	)	)	PUNCT
esutjss-89	177	12	.	.	PUNCT
esutjss-89	178	1	interest	interest	NOUN
esutjss-89	178	2	rates	rate	NOUN
esutjss-89	178	3	,	,	PUNCT
esutjss-89	178	4	savings	saving	NOUN
esutjss-89	178	5	and	and	CCONJ
esutjss-89	178	6	growth	growth	NOUN
esutjss-89	178	7	in	in	ADP
esutjss-89	178	8	guyana	guyana	PROPN
esutjss-89	178	9	.	.	PUNCT
esutjss-89	179	1	carribbean	carribbean	PROPN
esutjss-89	179	2	development	development	PROPN
esutjss-89	179	3	mudit	mudit	PROPN
esutjss-89	179	4	,	,	PUNCT
esutjss-89	179	5	k.	k.	PROPN
esutjss-89	179	6	&	&	CCONJ
esutjss-89	179	7	shamika	shamika	NOUN
esutjss-89	179	8	(	(	PUNCT
esutjss-89	179	9	2009	2009	NUM
esutjss-89	179	10	)	)	PUNCT
esutjss-89	179	11	.	.	PUNCT
esutjss-89	180	1	the	the	DET
esutjss-89	180	2	effect	effect	NOUN
esutjss-89	180	3	of	of	ADP
esutjss-89	180	4	interest	interest	NOUN
esutjss-89	180	5	rate	rate	NOUN
esutjss-89	180	6	on	on	ADP
esutjss-89	180	7	household	household	NOUN
esutjss-89	180	8	consumption	consumption	NOUN
esutjss-89	180	9	;	;	PUNCT
esutjss-89	180	10	evidence	evidence	NOUN
esutjss-89	180	11	from	from	ADP
esutjss-89	180	12	a	a	DET
esutjss-89	180	13	natural	natural	ADJ
esutjss-89	180	14	experiment	experiment	NOUN
esutjss-89	180	15	in	in	ADP
esutjss-89	180	16	india	india	PROPN
esutjss-89	180	17	;	;	PUNCT
esutjss-89	180	18	social	social	ADJ
esutjss-89	180	19	science	science	PROPN
esutjss-89	180	20	research	research	NOUN
esutjss-89	180	21	journal	journal	PROPN
esutjss-89	180	22	,	,	PUNCT
esutjss-89	180	23	brookings	brookings	PROPN
esutjss-89	180	24	institution	institution	NOUN
esutjss-89	180	25	;	;	PUNCT
esutjss-89	180	26	indian	indian	ADJ
esutjss-89	180	27	school	school	NOUN
esutjss-89	180	28	of	of	ADP
esutjss-89	180	29	business	business	NOUN
esutjss-89	180	30	(	(	PUNCT
esutjss-89	180	31	isb	isb	NOUN
esutjss-89	180	32	)	)	PUNCT
esutjss-89	180	33	.	.	PUNCT
esutjss-89	181	1	obute	obute	PROPN
esutjss-89	181	2	,	,	PUNCT
esutjss-89	181	3	c.	c.	PROPN
esutjss-89	181	4	,	,	PUNCT
esutjss-89	181	5	adyorough	adyorough	NOUN
esutjss-89	181	6	,	,	PUNCT
esutjss-89	181	7	a.	a.	NOUN
esutjss-89	181	8	,	,	PUNCT
esutjss-89	181	9	&	&	CCONJ
esutjss-89	181	10	ikhinde	ikhinde	PROPN
esutjss-89	181	11	,	,	PUNCT
esutjss-89	181	12	a.i	a.i	PROPN
esutjss-89	181	13	.	.	PROPN
esutjss-89	181	14	(	(	PUNCT
esutjss-89	181	15	2012	2012	NUM
esutjss-89	181	16	)	)	PUNCT
esutjss-89	181	17	.	.	PUNCT
esutjss-89	182	1	an	an	DET
esutjss-89	182	2	assessment	assessment	NOUN
esutjss-89	182	3	of	of	ADP
esutjss-89	182	4	the	the	DET
esutjss-89	182	5	impact	impact	NOUN
esutjss-89	182	6	of	of	ADP
esutjss-89	182	7	interest	interest	NOUN
esutjss-89	182	8	rates	rate	NOUN
esutjss-89	182	9	deregulation	deregulation	NOUN
esutjss-89	182	10	on	on	ADP
esutjss-89	182	11	economic	economic	ADJ
esutjss-89	182	12	growth	growth	NOUN
esutjss-89	182	13	in	in	ADP
esutjss-89	182	14	nigeria	nigeria	PROPN
esutjss-89	182	15	.	.	PUNCT
esutjss-89	183	1	journal	journal	PROPN
esutjss-89	183	2	of	of	ADP
esutjss-89	183	3	management	management	NOUN
esutjss-89	183	4	and	and	CCONJ
esutjss-89	183	5	entrepreneurial	entrepreneurial	ADJ
esutjss-89	183	6	development	development	NOUN
esutjss-89	183	7	,	,	PUNCT
esutjss-89	183	8	volume	volume	NOUN
esutjss-89	183	9	2	2	NUM
esutjss-89	183	10	,	,	PUNCT
esutjss-89	183	11	number	number	NOUN
esutjss-89	183	12	2	2	NUM
esutjss-89	183	13	,	,	PUNCT
esutjss-89	183	14	2012	2012	NUM
esutjss-89	183	15	ogumike	ogumike	NOUN
esutjss-89	183	16	,	,	PUNCT
esutjss-89	183	17	f.o	f.o	PROPN
esutjss-89	183	18	.	.	PROPN
esutjss-89	183	19	&	&	CCONJ
esutjss-89	183	20	ofoegbu	ofoegbu	PROPN
esutjss-89	183	21	,	,	PUNCT
esutjss-89	183	22	d.i	d.i	PROPN
esutjss-89	183	23	.	.	PROPN
esutjss-89	183	24	(	(	PUNCT
esutjss-89	183	25	2012	2012	NUM
esutjss-89	183	26	)	)	PUNCT
esutjss-89	183	27	.	.	PUNCT
esutjss-89	184	1	on	on	ADP
esutjss-89	184	2	financial	financial	ADJ
esutjss-89	184	3	liberation	liberation	NOUN
esutjss-89	184	4	and	and	CCONJ
esutjss-89	184	5	domestic	domestic	ADJ
esutjss-89	184	6	saving	saving	NOUN
esutjss-89	184	7	in	in	ADP
esutjss-89	184	8	nigeria	nigeria	PROPN
esutjss-89	184	9	.journal	.journal	PROPN
esutjss-89	184	10	of	of	ADP
esutjss-89	184	11	social	social	ADJ
esutjss-89	184	12	science	science	NOUN
esutjss-89	184	13	7(9	7(9	NUM
esutjss-89	184	14	):	):	PUNCT
esutjss-89	184	15	635	635	NUM
esutjss-89	184	16	-	-	SYM
esutjss-89	184	17	646	646	NUM
esutjss-89	184	18	savings	saving	NOUN
esutjss-89	184	19	in	in	ADP
esutjss-89	184	20	nigeria	nigeria	PROPN
esutjss-89	184	21	ojeaga	ojeaga	NOUN
esutjss-89	184	22	,	,	PUNCT
esutjss-89	184	23	p.	p.	PROPN
esutjss-89	184	24	&	&	CCONJ
esutjss-89	184	25	odejimi	odejimi	PROPN
esutjss-89	184	26	,	,	PUNCT
esutjss-89	184	27	o.	o.	PROPN
esutjss-89	184	28	(	(	PUNCT
esutjss-89	184	29	2014	2014	NUM
esutjss-89	184	30	)	)	PUNCT
esutjss-89	184	31	.	.	PUNCT
esutjss-89	185	1	the	the	DET
esutjss-89	185	2	impact	impact	NOUN
esutjss-89	185	3	of	of	ADP
esutjss-89	185	4	interest	interest	NOUN
esutjss-89	185	5	rate	rate	NOUN
esutjss-89	185	6	on	on	ADP
esutjss-89	185	7	bank	bank	NOUN
esutjss-89	185	8	deposit	deposit	NOUN
esutjss-89	185	9	:	:	PUNCT
esutjss-89	185	10	evidence	evidence	NOUN
esutjss-89	185	11	from	from	ADP
esutjss-89	185	12	the	the	DET
esutjss-89	185	13	nigerian	nigerian	ADJ
esutjss-89	185	14	banking	banking	NOUN
esutjss-89	185	15	sector	sector	NOUN
esutjss-89	185	16	.	.	PUNCT
esutjss-89	186	1	journal	journal	NOUN
esutjss-89	186	2	of	of	ADP
esutjss-89	186	3	social	social	ADJ
esutjss-89	186	4	sciences	sciences	PROPN
esutjss-89	186	5	mcser	mcser	NOUN
esutjss-89	186	6	publishing	publishing	NOUN
esutjss-89	186	7	,	,	PUNCT
esutjss-89	186	8	5(6	5(6	NUM
esutjss-89	186	9	)	)	PUNCT
esutjss-89	186	10	okere	okere	VERB
esutjss-89	186	11	,	,	PUNCT
esutjss-89	186	12	p.	p.	NOUN
esutjss-89	186	13	a.	a.	PROPN
esutjss-89	186	14	&	&	CCONJ
esutjss-89	186	15	ndugbu	ndugbu	PROPN
esutjss-89	186	16	,	,	PUNCT
esutjss-89	186	17	m.	m.	NOUN
esutjss-89	186	18	(	(	PUNCT
esutjss-89	186	19	2015	2015	NUM
esutjss-89	186	20	)	)	PUNCT
esutjss-89	186	21	.	.	PUNCT
esutjss-89	187	1	macroeconomic	macroeconomic	ADJ
esutjss-89	187	2	variables	variable	NOUN
esutjss-89	187	3	and	and	CCONJ
esutjss-89	187	4	savings	saving	NOUN
esutjss-89	187	5	mobilization	mobilization	NOUN
esutjss-89	187	6	in	in	ADP
esutjss-89	187	7	nigeria.international	nigeria.international	ADJ
esutjss-89	187	8	journal	journal	NOUN
esutjss-89	187	9	for	for	ADP
esutjss-89	187	10	innovation	innovation	NOUN
esutjss-89	187	11	education	education	NOUN
esutjss-89	187	12	and	and	CCONJ
esutjss-89	187	13	research.3(1	research.3(1	ADJ
esutjss-89	187	14	)	)	PUNCT
esutjss-89	187	15	onwumere	onwumere	ADV
esutjss-89	187	16	,	,	PUNCT
esutjss-89	187	17	j.u.j	j.u.j	PROPN
esutjss-89	187	18	.	.	PROPN
esutjss-89	187	19	,	,	PUNCT
esutjss-89	187	20	okore	okore	ADV
esutjss-89	187	21	,	,	PUNCT
esutjss-89	187	22	o.a	o.a	PROPN
esutjss-89	187	23	.	.	PROPN
esutjss-89	187	24	&	&	CCONJ
esutjss-89	187	25	imo	imo	PROPN
esutjss-89	187	26	,	,	PUNCT
esutjss-89	187	27	i.g	i.g	PROPN
esutjss-89	187	28	.	.	PROPN
esutjss-89	187	29	(	(	PUNCT
esutjss-89	187	30	2012	2012	NUM
esutjss-89	187	31	)	)	PUNCT
esutjss-89	187	32	,	,	PUNCT
esutjss-89	187	33	"	"	PUNCT
esutjss-89	187	34	the	the	DET
esutjss-89	187	35	impact	impact	NOUN
esutjss-89	187	36	of	of	ADP
esutjss-89	187	37	interest	interest	NOUN
esutjss-89	187	38	rate	rate	NOUN
esutjss-89	187	39	liberalization	liberalization	NOUN
esutjss-89	187	40	on	on	ADP
esutjss-89	187	41	savings	saving	NOUN
esutjss-89	187	42	and	and	CCONJ
esutjss-89	187	43	investment	investment	NOUN
esutjss-89	187	44	:	:	PUNCT
esutjss-89	187	45	evidence	evidence	NOUN
esutjss-89	187	46	from	from	ADP
esutjss-89	187	47	nigeria	nigeria	PROPN
esutjss-89	187	48	"	"	PUNCT
esutjss-89	187	49	.	.	PUNCT
esutjss-89	188	1	research	research	NOUN
esutjss-89	188	2	journal	journal	PROPN
esutjss-89	188	3	of	of	ADP
esutjss-89	188	4	finance	finance	NOUN
esutjss-89	188	5	and	and	CCONJ
esutjss-89	188	6	accounting	accounting	NOUN
esutjss-89	188	7	,	,	PUNCT
esutjss-89	188	8	3(10	3(10	NUM
esutjss-89	188	9	):	):	PUNCT
esutjss-89	188	10	130	130	NUM
esutjss-89	188	11	-	-	SYM
esutjss-89	188	12	136	136	NUM
esutjss-89	188	13	..	..	PUNCT
esutjss-89	188	14	tule	tule	NOUN
esutjss-89	188	15	,	,	PUNCT
esutjss-89	188	16	m.	m.	NOUN
esutjss-89	188	17	k.	k.	PROPN
esutjss-89	188	18	,	,	PUNCT
esutjss-89	188	19	audu	audu	NOUN
esutjss-89	188	20	,	,	PUNCT
esutjss-89	188	21	i.	i.	PROPN
esutjss-89	188	22	,	,	PUNCT
esutjss-89	188	23	oji	oji	PROPN
esutjss-89	188	24	,	,	PUNCT
esutjss-89	188	25	k.	k.	PROPN
esutjss-89	189	1	o.	o.	PROPN
esutjss-89	189	2	,	,	PUNCT
esutjss-89	189	3	oboh	oboh	PROPN
esutjss-89	189	4	,	,	PUNCT
esutjss-89	189	5	v.	v.	PROPN
esutjss-89	189	6	u.	u.	PROPN
esutjss-89	189	7	,	,	PUNCT
esutjss-89	189	8	iman	iman	PROPN
esutjss-89	189	9	,	,	PUNCT
esutjss-89	189	10	s.	s.	PROPN
esutjss-89	189	11	z.	z.	PROPN
esutjss-89	189	12	&	&	CCONJ
esutjss-89	189	13	ajayi	ajayi	PROPN
esutjss-89	189	14	,	,	PUNCT
esutjss-89	189	15	k.	k.	PROPN
esutjss-89	189	16	j.	j.	PROPN
esutjss-89	189	17	(	(	PUNCT
esutjss-89	189	18	2015	2015	NUM
esutjss-89	189	19	)	)	PUNCT
esutjss-89	189	20	.	.	PUNCT
esutjss-89	190	1	determination	determination	NOUN
esutjss-89	190	2	of	of	ADP
esutjss-89	190	3	the	the	DET
esutjss-89	190	4	floor	floor	NOUN
esutjss-89	190	5	and	and	CCONJ
esutjss-89	190	6	optimal	optimal	ADJ
esutjss-89	190	7	threshold	threshold	NOUN
esutjss-89	190	8	of	of	ADP
esutjss-89	190	9	lending	lending	NOUN
esutjss-89	190	10	rates	rate	NOUN
esutjss-89	190	11	in	in	ADP
esutjss-89	190	12	nigeria	nigeria	PROPN
esutjss-89	190	13	.	.	PUNCT
esutjss-89	191	1	cbn	cbn	PROPN
esutjss-89	191	2	working	working	PROPN
esutjss-89	191	3	paper	paper	PROPN
esutjss-89	191	4	series	series	PROPN
esutjss-89	191	5	udonsah	udonsah	PROPN
esutjss-89	191	6	,	,	PUNCT
esutjss-89	191	7	i.	i.	PROPN
esutjss-89	191	8	(	(	PUNCT
esutjss-89	191	9	2012	2012	NUM
esutjss-89	191	10	)	)	PUNCT
esutjss-89	191	11	.	.	PUNCT
esutjss-89	192	1	the	the	DET
esutjss-89	192	2	impact	impact	NOUN
esutjss-89	192	3	of	of	ADP
esutjss-89	192	4	interest	interest	NOUN
esutjss-89	192	5	rate	rate	NOUN
esutjss-89	192	6	on	on	ADP
esutjss-89	192	7	investment	investment	NOUN
esutjss-89	192	8	decision	decision	NOUN
esutjss-89	192	9	in	in	ADP
esutjss-89	192	10	nigeria	nigeria	PROPN
esutjss-89	192	11	.	.	PUNCT
esutjss-89	193	1	an	an	DET
esutjss-89	193	2	econometric	econometric	ADJ
esutjss-89	193	3	analysis	analysis	NOUN
esutjss-89	193	4	(	(	PUNCT
esutjss-89	193	5	1981	1981	NUM
esutjss-89	193	6	-	-	SYM
esutjss-89	193	7	2010	2010	NUM
esutjss-89	193	8	)	)	PUNCT
esutjss-89	193	9	;	;	PUNCT
esutjss-89	193	10	caritas	caritas	PROPN
esutjss-89	193	11	university	university	PROPN
esutjss-89	193	12	.	.	PUNCT
esutjss-89	194	1	udude	udude	PROPN
esutjss-89	194	2	,	,	PUNCT
esutjss-89	194	3	c.	c.	PROPN
esutjss-89	194	4	c.	c.	PROPN
esutjss-89	194	5	(	(	PUNCT
esutjss-89	194	6	2015	2015	NUM
esutjss-89	194	7	)	)	PUNCT
esutjss-89	194	8	.	.	PUNCT
esutjss-89	195	1	impact	impact	NOUN
esutjss-89	195	2	of	of	ADP
esutjss-89	195	3	interest	interest	NOUN
esutjss-89	195	4	rate	rate	NOUN
esutjss-89	195	5	on	on	ADP
esutjss-89	195	6	savings	saving	NOUN
esutjss-89	195	7	on	on	ADP
esutjss-89	195	8	the	the	DET
esutjss-89	195	9	nigeria	nigeria	PROPN
esutjss-89	195	10	’s	’s	PART
esutjss-89	195	11	economy	economy	NOUN
esutjss-89	195	12	.	.	PUNCT
esutjss-89	196	1	journal	journal	PROPN
esutjss-89	196	2	of	of	ADP
esutjss-89	196	3	policy	policy	NOUN
esutjss-89	196	4	and	and	CCONJ
esutjss-89	196	5	development	development	NOUN
esutjss-89	196	6	studies	study	NOUN
esutjss-89	196	7	.	.	PUNCT
esutjss-89	197	1	9(3	9(3	NUM
esutjss-89	197	2	):	):	PUNCT
esutjss-89	197	3	157	157	NUM
esutjss-89	197	4	-	-	SYM
esutjss-89	197	5	9385	9385	NUM
esutjss-89	197	6	umejiaku	umejiaku	PROPN
esutjss-89	197	7	,	,	PUNCT
esutjss-89	197	8	r.	r.	PROPN
esutjss-89	197	9	i.	i.	PROPN
esutjss-89	197	10	(	(	PUNCT
esutjss-89	197	11	2011	2011	NUM
esutjss-89	197	12	)	)	PUNCT
esutjss-89	197	13	.	.	PUNCT
esutjss-89	198	1	financial	financial	ADJ
esutjss-89	198	2	reform	reform	NOUN
esutjss-89	198	3	and	and	CCONJ
esutjss-89	198	4	financial	financial	ADJ
esutjss-89	198	5	development	development	NOUN
esutjss-89	198	6	in	in	ADP
esutjss-89	198	7	nigeria	nigeria	PROPN
esutjss-89	198	8	:	:	PUNCT
esutjss-89	198	9	a	a	DET
esutjss-89	198	10	graphical	graphical	ADJ
esutjss-89	198	11	analysis	analysis	NOUN
esutjss-89	198	12	.	.	PUNCT
esutjss-89	199	1	african	african	ADJ
esutjss-89	199	2	research	research	PROPN
esutjss-89	199	3	review	review	PROPN
esutjss-89	199	4	,	,	PUNCT
esutjss-89	199	5	an	an	DET
esutjss-89	199	6	international	international	ADJ
esutjss-89	199	7	multi	multi	ADJ
esutjss-89	199	8	-	-	ADJ
esutjss-89	199	9	disciplinary	disciplinary	ADJ
esutjss-89	199	10	journal	journal	NOUN
esutjss-89	199	11	,	,	PUNCT
esutjss-89	199	12	ethiopia	ethiopia	PROPN
esutjss-89	199	13	5(3):20	5(3):20	PROPN
esutjss-89	199	14	wafure	wafure	NOUN
esutjss-89	199	15	,	,	PUNCT
esutjss-89	199	16	o.g	o.g	PROPN
esutjss-89	199	17	.	.	PROPN
esutjss-89	199	18	(	(	PUNCT
esutjss-89	199	19	2012	2012	NUM
esutjss-89	199	20	)	)	PUNCT
esutjss-89	199	21	.	.	PUNCT
esutjss-89	200	1	financial	financial	ADJ
esutjss-89	200	2	sector	sector	NOUN
esutjss-89	200	3	reforms	reform	NOUN
esutjss-89	200	4	and	and	CCONJ
esutjss-89	200	5	private	private	ADJ
esutjss-89	200	6	savings	saving	NOUN
esutjss-89	200	7	:	:	PUNCT
esutjss-89	200	8	evidence	evidence	NOUN
esutjss-89	200	9	from	from	ADP
esutjss-89	200	10	nigeria	nigeria	PROPN
esutjss-89	200	11	.	.	PUNCT
esutjss-89	201	1	weejs	weejs	PROPN
esutjss-89	201	2	international	international	PROPN
esutjss-89	201	3	journal	journal	PROPN
esutjss-89	201	4	of	of	ADP
esutjss-89	201	5	arts	art	NOUN
esutjss-89	201	6	and	and	CCONJ
esutjss-89	201	7	combine	combine	VERB
esutjss-89	201	8	sciences	science	NOUN
esutjss-89	201	9	,	,	PUNCT
esutjss-89	201	10	3(1	3(1	NUM
esutjss-89	201	11	):	):	PUNCT
esutjss-89	201	12	1	1	NUM
esutjss-89	201	13	-	-	SYM
esutjss-89	201	14	12	12	NUM
esutjss-89	201	15	page	page	NOUN
esutjss-89	201	16	4	4	NUM