id	sid	tid	token	lemma	pos
ejge-8198	1	1	european	european	PROPN
ejge-8198	1	2	journal	journal	PROPN
ejge-8198	1	3	of	of	ADP
ejge-8198	1	4	government	government	NOUN
ejge-8198	1	5	and	and	CCONJ
ejge-8198	1	6	economics	economic	NOUN
ejge-8198	1	7	11(1	11(1	NUM
ejge-8198	1	8	)	)	PUNCT
ejge-8198	1	9	,	,	PUNCT
ejge-8198	1	10	june	june	PROPN
ejge-8198	1	11	2022	2022	NUM
ejge-8198	1	12	,	,	PUNCT
ejge-8198	1	13	97	97	NUM
ejge-8198	1	14	-	-	SYM
ejge-8198	1	15	112	112	NUM
ejge-8198	1	16	european	european	ADJ
ejge-8198	1	17	journal	journal	NOUN
ejge-8198	1	18	of	of	ADP
ejge-8198	1	19	government	government	NOUN
ejge-8198	1	20	and	and	CCONJ
ejge-8198	1	21	economics	economic	NOUN
ejge-8198	1	22	issn:2254	issn:2254	NOUN
ejge-8198	1	23	-	-	PUNCT
ejge-8198	1	24	7088	7088	NUM
ejge-8198	1	25	gender	gender	NOUN
ejge-8198	1	26	accessibility	accessibility	NOUN
ejge-8198	1	27	to	to	AUX
ejge-8198	1	28	credit	credit	VERB
ejge-8198	1	29	among	among	ADP
ejge-8198	1	30	entrepreneurs	entrepreneur	NOUN
ejge-8198	1	31	:	:	PUNCT
ejge-8198	1	32	empirical	empirical	ADJ
ejge-8198	1	33	evidence	evidence	NOUN
ejge-8198	1	34	from	from	ADP
ejge-8198	1	35	women	woman	NOUN
ejge-8198	1	36	entrepreneurs	entrepreneur	NOUN
ejge-8198	1	37	in	in	ADP
ejge-8198	1	38	kano	kano	PROPN
ejge-8198	1	39	metropolis	metropolis	PROPN
ejge-8198	1	40	rabi	rabi	PROPN
ejge-8198	1	41	bashir	bashir	PROPN
ejge-8198	1	42	a	a	PROPN
ejge-8198	1	43	,	,	PUNCT
ejge-8198	1	44	abubakar	abubakar	PROPN
ejge-8198	1	45	hamid	hamid	PROPN
ejge-8198	1	46	danlami	danlami	PROPN
ejge-8198	1	47	a	a	PRON
ejge-8198	1	48	,	,	PUNCT
ejge-8198	1	49	*	*	PUNCT
ejge-8198	1	50	a	a	DET
ejge-8198	1	51	department	department	NOUN
ejge-8198	1	52	of	of	ADP
ejge-8198	1	53	economics	economic	NOUN
ejge-8198	1	54	,	,	PUNCT
ejge-8198	1	55	faculty	faculty	NOUN
ejge-8198	1	56	of	of	ADP
ejge-8198	1	57	social	social	ADJ
ejge-8198	1	58	sciences	science	NOUN
ejge-8198	1	59	,	,	PUNCT
ejge-8198	1	60	bayero	bayero	PROPN
ejge-8198	1	61	university	university	PROPN
ejge-8198	1	62	kano	kano	PROPN
ejge-8198	1	63	,	,	PUNCT
ejge-8198	1	64	nigeria	nigeria	PROPN
ejge-8198	1	65	*	*	PUNCT
ejge-8198	1	66	corresponding	correspond	VERB
ejge-8198	1	67	author	author	NOUN
ejge-8198	1	68	at	at	ADP
ejge-8198	1	69	:	:	PUNCT
ejge-8198	1	70	sadiqdanlami@yahoo.com	sadiqdanlami@yahoo.com	X
ejge-8198	1	71	abstract	abstract	ADJ
ejge-8198	1	72	.	.	PUNCT
ejge-8198	2	1	this	this	DET
ejge-8198	2	2	study	study	NOUN
ejge-8198	2	3	was	be	AUX
ejge-8198	2	4	carried	carry	VERB
ejge-8198	2	5	out	out	ADP
ejge-8198	2	6	to	to	PART
ejge-8198	2	7	empirically	empirically	ADV
ejge-8198	2	8	assess	assess	VERB
ejge-8198	2	9	women	woman	NOUN
ejge-8198	2	10	entrepreneurs	entrepreneur	NOUN
ejge-8198	2	11	’	'	PUNCT
ejge-8198	2	12	access	access	NOUN
ejge-8198	2	13	to	to	ADP
ejge-8198	2	14	credit	credit	NOUN
ejge-8198	2	15	in	in	ADP
ejge-8198	2	16	kano	kano	PROPN
ejge-8198	2	17	metropolis	metropolis	PROPN
ejge-8198	2	18	.	.	PUNCT
ejge-8198	3	1	the	the	DET
ejge-8198	3	2	study	study	NOUN
ejge-8198	3	3	was	be	AUX
ejge-8198	3	4	aimed	aim	VERB
ejge-8198	3	5	at	at	ADP
ejge-8198	3	6	analyzing	analyze	VERB
ejge-8198	3	7	the	the	DET
ejge-8198	3	8	maximum	maximum	ADJ
ejge-8198	3	9	willingness	willingness	NOUN
ejge-8198	3	10	to	to	PART
ejge-8198	3	11	accept	accept	VERB
ejge-8198	3	12	loans	loan	NOUN
ejge-8198	3	13	by	by	ADP
ejge-8198	3	14	women	woman	NOUN
ejge-8198	3	15	entrepreneurs	entrepreneur	NOUN
ejge-8198	3	16	and	and	CCONJ
ejge-8198	3	17	exploring	explore	VERB
ejge-8198	3	18	the	the	DET
ejge-8198	3	19	major	major	ADJ
ejge-8198	3	20	problems	problem	NOUN
ejge-8198	3	21	hindering	hinder	VERB
ejge-8198	3	22	women	woman	NOUN
ejge-8198	3	23	entrepreneurs	entrepreneur	NOUN
ejge-8198	3	24	from	from	ADP
ejge-8198	3	25	fundraising	fundraise	VERB
ejge-8198	3	26	for	for	ADP
ejge-8198	3	27	businesses	business	NOUN
ejge-8198	3	28	in	in	ADP
ejge-8198	3	29	kano	kano	PROPN
ejge-8198	3	30	metropolis	metropolis	PROPN
ejge-8198	3	31	.	.	PUNCT
ejge-8198	4	1	the	the	DET
ejge-8198	4	2	study	study	NOUN
ejge-8198	4	3	employed	employ	VERB
ejge-8198	4	4	a	a	DET
ejge-8198	4	5	multi	multi	ADJ
ejge-8198	4	6	-	-	ADJ
ejge-8198	4	7	stage	stage	ADJ
ejge-8198	4	8	random	random	ADJ
ejge-8198	4	9	sampling	sampling	NOUN
ejge-8198	4	10	to	to	PART
ejge-8198	4	11	select	select	VERB
ejge-8198	4	12	a	a	DET
ejge-8198	4	13	total	total	NOUN
ejge-8198	4	14	of	of	ADP
ejge-8198	4	15	three	three	NUM
ejge-8198	4	16	hundred	hundred	NUM
ejge-8198	4	17	and	and	CCONJ
ejge-8198	4	18	seventy	seventy	NUM
ejge-8198	4	19	-	-	PUNCT
ejge-8198	4	20	six	six	NUM
ejge-8198	4	21	(	(	PUNCT
ejge-8198	4	22	376	376	NUM
ejge-8198	4	23	)	)	PUNCT
ejge-8198	4	24	women	woman	NOUN
ejge-8198	4	25	entrepreneurs	entrepreneur	NOUN
ejge-8198	4	26	as	as	ADP
ejge-8198	4	27	the	the	DET
ejge-8198	4	28	sample	sample	NOUN
ejge-8198	4	29	of	of	ADP
ejge-8198	4	30	the	the	DET
ejge-8198	4	31	study	study	NOUN
ejge-8198	4	32	.	.	PUNCT
ejge-8198	5	1	the	the	DET
ejge-8198	5	2	analysis	analysis	NOUN
ejge-8198	5	3	of	of	ADP
ejge-8198	5	4	the	the	DET
ejge-8198	5	5	data	datum	NOUN
ejge-8198	5	6	was	be	AUX
ejge-8198	5	7	carried	carry	VERB
ejge-8198	5	8	out	out	ADP
ejge-8198	5	9	using	use	VERB
ejge-8198	5	10	frequency	frequency	NOUN
ejge-8198	5	11	count	count	NOUN
ejge-8198	5	12	and	and	CCONJ
ejge-8198	5	13	simple	simple	ADJ
ejge-8198	5	14	percentages	percentage	NOUN
ejge-8198	5	15	to	to	PART
ejge-8198	5	16	analyze	analyze	VERB
ejge-8198	5	17	the	the	DET
ejge-8198	5	18	demographic	demographic	ADJ
ejge-8198	5	19	characteristics	characteristic	NOUN
ejge-8198	5	20	of	of	ADP
ejge-8198	5	21	the	the	DET
ejge-8198	5	22	respondents	respondent	NOUN
ejge-8198	5	23	.	.	PUNCT
ejge-8198	6	1	furthermore	furthermore	ADV
ejge-8198	6	2	,	,	PUNCT
ejge-8198	6	3	the	the	DET
ejge-8198	6	4	inferential	inferential	ADJ
ejge-8198	6	5	statistics	statistic	NOUN
ejge-8198	6	6	were	be	AUX
ejge-8198	6	7	done	do	VERB
ejge-8198	6	8	using	use	VERB
ejge-8198	6	9	logit	logit	NOUN
ejge-8198	6	10	models	model	NOUN
ejge-8198	6	11	to	to	PART
ejge-8198	6	12	capture	capture	VERB
ejge-8198	6	13	the	the	DET
ejge-8198	6	14	specific	specific	ADJ
ejge-8198	6	15	objectives	objective	NOUN
ejge-8198	6	16	of	of	ADP
ejge-8198	6	17	the	the	DET
ejge-8198	6	18	study	study	NOUN
ejge-8198	6	19	.	.	PUNCT
ejge-8198	7	1	the	the	DET
ejge-8198	7	2	findings	finding	NOUN
ejge-8198	7	3	of	of	ADP
ejge-8198	7	4	the	the	DET
ejge-8198	7	5	study	study	NOUN
ejge-8198	7	6	revealed	reveal	VERB
ejge-8198	7	7	that	that	SCONJ
ejge-8198	7	8	high	high	ADJ
ejge-8198	7	9	interest	interest	NOUN
ejge-8198	7	10	and	and	CCONJ
ejge-8198	7	11	collateral	collateral	ADJ
ejge-8198	7	12	requirement	requirement	NOUN
ejge-8198	7	13	prevent	prevent	NOUN
ejge-8198	7	14	women	woman	NOUN
ejge-8198	7	15	entrepreneurs	entrepreneur	NOUN
ejge-8198	7	16	from	from	ADP
ejge-8198	7	17	accessing	access	VERB
ejge-8198	7	18	a	a	DET
ejge-8198	7	19	loan	loan	NOUN
ejge-8198	7	20	from	from	ADP
ejge-8198	7	21	financial	financial	ADJ
ejge-8198	7	22	institutions	institution	NOUN
ejge-8198	7	23	,	,	PUNCT
ejge-8198	7	24	while	while	SCONJ
ejge-8198	7	25	religious	religious	ADJ
ejge-8198	7	26	affiliation	affiliation	NOUN
ejge-8198	7	27	is	be	AUX
ejge-8198	7	28	a	a	DET
ejge-8198	7	29	major	major	ADJ
ejge-8198	7	30	factor	factor	NOUN
ejge-8198	7	31	affecting	affect	VERB
ejge-8198	7	32	women	woman	NOUN
ejge-8198	7	33	entrepreneurs	entrepreneur	NOUN
ejge-8198	7	34	'	'	PART
ejge-8198	7	35	access	access	NOUN
ejge-8198	7	36	to	to	ADP
ejge-8198	7	37	credit	credit	NOUN
ejge-8198	7	38	facilities	facility	NOUN
ejge-8198	7	39	.	.	PUNCT
ejge-8198	8	1	based	base	VERB
ejge-8198	8	2	on	on	ADP
ejge-8198	8	3	the	the	DET
ejge-8198	8	4	findings	finding	NOUN
ejge-8198	8	5	of	of	ADP
ejge-8198	8	6	the	the	DET
ejge-8198	8	7	study	study	NOUN
ejge-8198	8	8	,	,	PUNCT
ejge-8198	8	9	the	the	DET
ejge-8198	8	10	study	study	NOUN
ejge-8198	8	11	recommends	recommend	VERB
ejge-8198	8	12	that	that	SCONJ
ejge-8198	8	13	financial	financial	ADJ
ejge-8198	8	14	institutions	institution	NOUN
ejge-8198	8	15	should	should	AUX
ejge-8198	8	16	introduce	introduce	VERB
ejge-8198	8	17	and	and	CCONJ
ejge-8198	8	18	operate	operate	VERB
ejge-8198	8	19	an	an	DET
ejge-8198	8	20	islamic	islamic	ADJ
ejge-8198	8	21	finance	finance	NOUN
ejge-8198	8	22	system	system	NOUN
ejge-8198	8	23	to	to	PART
ejge-8198	8	24	encourage	encourage	VERB
ejge-8198	8	25	women	woman	NOUN
ejge-8198	8	26	entrepreneurs	entrepreneur	NOUN
ejge-8198	8	27	to	to	PART
ejge-8198	8	28	go	go	VERB
ejge-8198	8	29	for	for	ADP
ejge-8198	8	30	a	a	DET
ejge-8198	8	31	loan	loan	NOUN
ejge-8198	8	32	as	as	SCONJ
ejge-8198	8	33	the	the	DET
ejge-8198	8	34	interest	interest	NOUN
ejge-8198	8	35	rate	rate	NOUN
ejge-8198	8	36	is	be	AUX
ejge-8198	8	37	one	one	NUM
ejge-8198	8	38	of	of	ADP
ejge-8198	8	39	the	the	DET
ejge-8198	8	40	most	most	ADV
ejge-8198	8	41	important	important	ADJ
ejge-8198	8	42	constraints	constraint	NOUN
ejge-8198	8	43	to	to	ADP
ejge-8198	8	44	women	woman	NOUN
ejge-8198	8	45	entrepreneurs	entrepreneur	NOUN
ejge-8198	8	46	seeking	seek	VERB
ejge-8198	8	47	financial	financial	ADJ
ejge-8198	8	48	credits	credit	NOUN
ejge-8198	8	49	.	.	PUNCT
ejge-8198	9	1	additionally	additionally	ADV
ejge-8198	9	2	,	,	PUNCT
ejge-8198	9	3	collateral	collateral	ADJ
ejge-8198	9	4	demand	demand	NOUN
ejge-8198	9	5	attached	attach	VERB
ejge-8198	9	6	to	to	ADP
ejge-8198	9	7	a	a	DET
ejge-8198	9	8	loan	loan	NOUN
ejge-8198	9	9	for	for	ADP
ejge-8198	9	10	women	woman	NOUN
ejge-8198	9	11	should	should	AUX
ejge-8198	9	12	be	be	AUX
ejge-8198	9	13	removed	remove	VERB
ejge-8198	9	14	to	to	PART
ejge-8198	9	15	encourage	encourage	VERB
ejge-8198	9	16	women	woman	NOUN
ejge-8198	9	17	entrepreneurs	entrepreneur	NOUN
ejge-8198	9	18	to	to	PART
ejge-8198	9	19	raise	raise	VERB
ejge-8198	9	20	capital	capital	NOUN
ejge-8198	9	21	.	.	PUNCT
ejge-8198	10	1	keywords.women	keywords.woman	NOUN
ejge-8198	10	2	,	,	PUNCT
ejge-8198	10	3	gender	gender	NOUN
ejge-8198	10	4	,	,	PUNCT
ejge-8198	10	5	entrepreneurs	entrepreneur	NOUN
ejge-8198	10	6	,	,	PUNCT
ejge-8198	10	7	finance	finance	NOUN
ejge-8198	10	8	,	,	PUNCT
ejge-8198	10	9	credit	credit	NOUN
ejge-8198	10	10	accessibility	accessibility	NOUN
ejge-8198	10	11	.	.	PUNCT
ejge-8198	11	1	doi	doi	NOUN
ejge-8198	11	2	.	.	PUNCT
ejge-8198	12	1	https://doi.org/10.17979/ejge.2022.11.1.8198	https://doi.org/10.17979/ejge.2022.11.1.8198	PROPN
ejge-8198	12	2	1	1	NUM
ejge-8198	12	3	.	.	PUNCT
ejge-8198	13	1	introduction	introduction	NOUN
ejge-8198	13	2	entrepreneurial	entrepreneurial	ADJ
ejge-8198	13	3	activity	activity	NOUN
ejge-8198	13	4	is	be	AUX
ejge-8198	13	5	crucial	crucial	ADJ
ejge-8198	13	6	for	for	ADP
ejge-8198	13	7	private	private	ADJ
ejge-8198	13	8	sector	sector	NOUN
ejge-8198	13	9	development	development	NOUN
ejge-8198	13	10	and	and	CCONJ
ejge-8198	13	11	imperative	imperative	NOUN
ejge-8198	13	12	for	for	ADP
ejge-8198	13	13	a	a	DET
ejge-8198	13	14	country	country	NOUN
ejge-8198	13	15	’s	’s	PART
ejge-8198	13	16	economic	economic	ADJ
ejge-8198	13	17	prosperity	prosperity	NOUN
ejge-8198	13	18	.	.	PUNCT
ejge-8198	14	1	micro	micro	PROPN
ejge-8198	14	2	,	,	PUNCT
ejge-8198	14	3	small	small	ADJ
ejge-8198	14	4	and	and	CCONJ
ejge-8198	14	5	medium	medium	ADJ
ejge-8198	14	6	enterprises	enterprise	NOUN
ejge-8198	14	7	(	(	PUNCT
ejge-8198	14	8	msmes	msme	NOUN
ejge-8198	14	9	)	)	PUNCT
ejge-8198	14	10	create	create	VERB
ejge-8198	14	11	jobs	job	NOUN
ejge-8198	14	12	and	and	CCONJ
ejge-8198	14	13	provide	provide	VERB
ejge-8198	14	14	nurturing	nurture	VERB
ejge-8198	14	15	ground	ground	NOUN
ejge-8198	14	16	for	for	ADP
ejge-8198	14	17	private	private	ADJ
ejge-8198	14	18	sector	sector	NOUN
ejge-8198	14	19	development	development	NOUN
ejge-8198	14	20	.	.	PUNCT
ejge-8198	15	1	msmes	msme	NOUN
ejge-8198	15	2	play	play	VERB
ejge-8198	15	3	a	a	DET
ejge-8198	15	4	prominent	prominent	ADJ
ejge-8198	15	5	role	role	NOUN
ejge-8198	15	6	in	in	ADP
ejge-8198	15	7	developing	develop	VERB
ejge-8198	15	8	countries	country	NOUN
ejge-8198	15	9	that	that	PRON
ejge-8198	15	10	are	be	AUX
ejge-8198	15	11	characterized	characterize	VERB
ejge-8198	15	12	by	by	ADP
ejge-8198	15	13	high	high	ADJ
ejge-8198	15	14	levels	level	NOUN
ejge-8198	15	15	of	of	ADP
ejge-8198	15	16	unemployment	unemployment	NOUN
ejge-8198	15	17	and	and	CCONJ
ejge-8198	15	18	poverty	poverty	NOUN
ejge-8198	15	19	(	(	PUNCT
ejge-8198	15	20	abubakar	abubakar	PROPN
ejge-8198	15	21	et	et	PROPN
ejge-8198	15	22	al	al	PROPN
ejge-8198	15	23	.	.	PROPN
ejge-8198	15	24	,	,	PUNCT
ejge-8198	15	25	2013	2013	NUM
ejge-8198	15	26	)	)	PUNCT
ejge-8198	15	27	.	.	PUNCT
ejge-8198	16	1	entrepreneurship	entrepreneurship	NOUN
ejge-8198	16	2	has	have	AUX
ejge-8198	16	3	been	be	AUX
ejge-8198	16	4	regarded	regard	VERB
ejge-8198	16	5	as	as	ADP
ejge-8198	16	6	a	a	DET
ejge-8198	16	7	major	major	ADJ
ejge-8198	16	8	contributing	contribute	VERB
ejge-8198	16	9	factor	factor	NOUN
ejge-8198	16	10	to	to	ADP
ejge-8198	16	11	economic	economic	ADJ
ejge-8198	16	12	growth	growth	NOUN
ejge-8198	16	13	and	and	CCONJ
ejge-8198	16	14	poverty	poverty	NOUN
ejge-8198	16	15	alleviation	alleviation	NOUN
ejge-8198	16	16	both	both	CCONJ
ejge-8198	16	17	in	in	ADP
ejge-8198	16	18	urban	urban	ADJ
ejge-8198	16	19	and	and	CCONJ
ejge-8198	16	20	rural	rural	ADJ
ejge-8198	16	21	areas	area	NOUN
ejge-8198	16	22	.	.	PUNCT
ejge-8198	17	1	the	the	DET
ejge-8198	17	2	role	role	NOUN
ejge-8198	17	3	of	of	ADP
ejge-8198	17	4	entrepreneurship	entrepreneurship	NOUN
ejge-8198	17	5	and	and	CCONJ
ejge-8198	17	6	entrepreneurial	entrepreneurial	ADJ
ejge-8198	17	7	culture	culture	NOUN
ejge-8198	17	8	in	in	ADP
ejge-8198	17	9	economic	economic	ADJ
ejge-8198	17	10	and	and	CCONJ
ejge-8198	17	11	social	social	ADJ
ejge-8198	17	12	development	development	NOUN
ejge-8198	17	13	has	have	AUX
ejge-8198	17	14	often	often	ADV
ejge-8198	17	15	been	be	AUX
ejge-8198	17	16	underestimated	underestimate	VERB
ejge-8198	17	17	.	.	PUNCT
ejge-8198	18	1	over	over	ADP
ejge-8198	18	2	the	the	DET
ejge-8198	18	3	years	year	NOUN
ejge-8198	18	4	,	,	PUNCT
ejge-8198	18	5	however	however	ADV
ejge-8198	18	6	,	,	PUNCT
ejge-8198	18	7	it	it	PRON
ejge-8198	18	8	has	have	AUX
ejge-8198	18	9	become	become	VERB
ejge-8198	18	10	increasingly	increasingly	ADV
ejge-8198	18	11	apparent	apparent	ADJ
ejge-8198	18	12	that	that	SCONJ
ejge-8198	18	13	entrepreneurship	entrepreneurship	NOUN
ejge-8198	18	14	indeed	indeed	ADV
ejge-8198	18	15	contributes	contribute	VERB
ejge-8198	18	16	to	to	ADP
ejge-8198	18	17	economic	economic	ADJ
ejge-8198	18	18	development	development	NOUN
ejge-8198	18	19	.	.	PUNCT
ejge-8198	19	1	nevertheless	nevertheless	ADV
ejge-8198	19	2	,	,	PUNCT
ejge-8198	19	3	significant	significant	ADJ
ejge-8198	19	4	numbers	number	NOUN
ejge-8198	19	5	of	of	ADP
ejge-8198	19	6	enterprises	enterprise	NOUN
ejge-8198	19	7	are	be	AUX
ejge-8198	19	8	owned	own	VERB
ejge-8198	19	9	by	by	ADP
ejge-8198	19	10	men	man	NOUN
ejge-8198	19	11	(	(	PUNCT
ejge-8198	19	12	international	international	ADJ
ejge-8198	19	13	labour	labour	NOUN
ejge-8198	19	14	organization	organization	NOUN
ejge-8198	19	15	(	(	PUNCT
ejge-8198	19	16	ilo	ilo	PROPN
ejge-8198	19	17	)	)	PUNCT
ejge-8198	19	18	,	,	PUNCT
ejge-8198	19	19	2006	2006	NUM
ejge-8198	19	20	)	)	PUNCT
ejge-8198	19	21	.	.	PUNCT
ejge-8198	20	1	in	in	ADP
ejge-8198	20	2	the	the	DET
ejge-8198	20	3	past	past	NOUN
ejge-8198	20	4	,	,	PUNCT
ejge-8198	20	5	it	it	PRON
ejge-8198	20	6	was	be	AUX
ejge-8198	20	7	not	not	PART
ejge-8198	20	8	common	common	ADJ
ejge-8198	20	9	to	to	PART
ejge-8198	20	10	see	see	VERB
ejge-8198	20	11	women	woman	NOUN
ejge-8198	20	12	entrepreneurs	entrepreneur	NOUN
ejge-8198	20	13	worldwide	worldwide	ADV
ejge-8198	20	14	,	,	PUNCT
ejge-8198	20	15	especially	especially	ADV
ejge-8198	20	16	in	in	ADP
ejge-8198	20	17	developing	develop	VERB
ejge-8198	20	18	countries	country	NOUN
ejge-8198	20	19	.	.	PUNCT
ejge-8198	21	1	the	the	DET
ejge-8198	21	2	idea	idea	NOUN
ejge-8198	21	3	and	and	CCONJ
ejge-8198	21	4	practice	practice	NOUN
ejge-8198	21	5	of	of	ADP
ejge-8198	21	6	women	woman	NOUN
ejge-8198	21	7	's	's	PART
ejge-8198	21	8	entrepreneurship	entrepreneurship	NOUN
ejge-8198	21	9	is	be	AUX
ejge-8198	21	10	a	a	DET
ejge-8198	21	11	recent	recent	ADJ
ejge-8198	21	12	©	©	PROPN
ejge-8198	21	13	2022	2022	NUM
ejge-8198	21	14	.	.	PUNCT
ejge-8198	22	1	this	this	DET
ejge-8198	22	2	work	work	NOUN
ejge-8198	22	3	is	be	AUX
ejge-8198	22	4	licensed	license	VERB
ejge-8198	22	5	under	under	ADP
ejge-8198	22	6	a	a	DET
ejge-8198	22	7	cc	cc	NOUN
ejge-8198	22	8	by	by	ADP
ejge-8198	22	9	-	-	PUNCT
ejge-8198	22	10	nc	nc	PROPN
ejge-8198	22	11	4.0	4.0	NUM
ejge-8198	22	12	license	license	NOUN
ejge-8198	22	13	.	.	PUNCT
ejge-8198	23	1	mailto:sadiqdanlami@yahoo.com	mailto:sadiqdanlami@yahoo.com	X
ejge-8198	24	1	https://doi.org/10.17979/ejge.2022.11.1.8198	https://doi.org/10.17979/ejge.2022.11.1.8198	PROPN
ejge-8198	24	2	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
ejge-8198	24	3	a.	a.	NOUN
ejge-8198	24	4	h.	h.	PROPN
ejge-8198	24	5	danlami	danlami	PROPN
ejge-8198	24	6	and	and	CCONJ
ejge-8198	24	7	r.	r.	PROPN
ejge-8198	24	8	bashir	bashir	PROPN
ejge-8198	24	9	/	/	SYM
ejge-8198	24	10	european	european	PROPN
ejge-8198	24	11	journal	journal	PROPN
ejge-8198	24	12	of	of	ADP
ejge-8198	24	13	government	government	NOUN
ejge-8198	24	14	and	and	CCONJ
ejge-8198	24	15	economics	economic	NOUN
ejge-8198	24	16	11(1	11(1	NUM
ejge-8198	24	17	)	)	PUNCT
ejge-8198	24	18	,	,	PUNCT
ejge-8198	24	19	june	june	PROPN
ejge-8198	24	20	2022	2022	NUM
ejge-8198	24	21	,	,	PUNCT
ejge-8198	24	22	97	97	NUM
ejge-8198	24	23	-	-	SYM
ejge-8198	24	24	112	112	NUM
ejge-8198	24	25	98	98	NUM
ejge-8198	24	26	phenomenon	phenomenon	NOUN
ejge-8198	24	27	.	.	PUNCT
ejge-8198	25	1	until	until	ADP
ejge-8198	25	2	the	the	DET
ejge-8198	25	3	1980	1980	NUM
ejge-8198	25	4	’s	’s	NOUN
ejge-8198	25	5	,	,	PUNCT
ejge-8198	25	6	little	little	ADJ
ejge-8198	25	7	was	be	AUX
ejge-8198	25	8	known	know	VERB
ejge-8198	25	9	about	about	ADP
ejge-8198	25	10	women	woman	NOUN
ejge-8198	25	11	's	's	PART
ejge-8198	25	12	entrepreneurship	entrepreneurship	NOUN
ejge-8198	25	13	both	both	CCONJ
ejge-8198	25	14	in	in	ADP
ejge-8198	25	15	practice	practice	NOUN
ejge-8198	25	16	and	and	CCONJ
ejge-8198	25	17	research	research	NOUN
ejge-8198	25	18	,	,	PUNCT
ejge-8198	25	19	which	which	PRON
ejge-8198	25	20	made	make	VERB
ejge-8198	25	21	its	its	PRON
ejge-8198	25	22	focus	focus	NOUN
ejge-8198	25	23	entirely	entirely	ADV
ejge-8198	25	24	on	on	ADP
ejge-8198	25	25	men	man	NOUN
ejge-8198	25	26	.	.	PUNCT
ejge-8198	26	1	scientific	scientific	ADJ
ejge-8198	26	2	discourse	discourse	NOUN
ejge-8198	26	3	about	about	ADP
ejge-8198	26	4	women	woman	NOUN
ejge-8198	26	5	’s	’s	PART
ejge-8198	26	6	entrepreneurship	entrepreneurship	NOUN
ejge-8198	26	7	and	and	CCONJ
ejge-8198	26	8	women	woman	NOUN
ejge-8198	26	9	-	-	PUNCT
ejge-8198	26	10	owned	own	VERB
ejge-8198	26	11	and	and	CCONJ
ejge-8198	26	12	run	run	NOUN
ejge-8198	26	13	organizations	organization	NOUN
ejge-8198	26	14	is	be	AUX
ejge-8198	26	15	just	just	ADV
ejge-8198	26	16	the	the	DET
ejge-8198	26	17	development	development	NOUN
ejge-8198	26	18	of	of	ADP
ejge-8198	26	19	1980s	1980	NOUN
ejge-8198	26	20	(	(	PUNCT
ejge-8198	26	21	ilo	ilo	NOUN
ejge-8198	26	22	,	,	PUNCT
ejge-8198	26	23	2006	2006	NUM
ejge-8198	26	24	)	)	PUNCT
ejge-8198	26	25	.	.	PUNCT
ejge-8198	27	1	women	woman	NOUN
ejge-8198	27	2	entrepreneurship	entrepreneurship	NOUN
ejge-8198	27	3	plays	play	VERB
ejge-8198	27	4	an	an	DET
ejge-8198	27	5	important	important	ADJ
ejge-8198	27	6	role	role	NOUN
ejge-8198	27	7	in	in	ADP
ejge-8198	27	8	the	the	DET
ejge-8198	27	9	economic	economic	ADJ
ejge-8198	27	10	development	development	NOUN
ejge-8198	27	11	of	of	ADP
ejge-8198	27	12	a	a	DET
ejge-8198	27	13	country	country	NOUN
ejge-8198	27	14	.	.	PUNCT
ejge-8198	28	1	ochola	ochola	PROPN
ejge-8198	28	2	and	and	CCONJ
ejge-8198	28	3	okelo	okelo	NOUN
ejge-8198	28	4	(	(	PUNCT
ejge-8198	28	5	2013	2013	NUM
ejge-8198	28	6	)	)	PUNCT
ejge-8198	28	7	found	find	VERB
ejge-8198	28	8	that	that	SCONJ
ejge-8198	28	9	women	woman	NOUN
ejge-8198	28	10	entrepreneurs	entrepreneur	NOUN
ejge-8198	28	11	enhance	enhance	VERB
ejge-8198	28	12	livelihoods	livelihood	NOUN
ejge-8198	28	13	within	within	ADP
ejge-8198	28	14	the	the	DET
ejge-8198	28	15	family	family	NOUN
ejge-8198	28	16	and	and	CCONJ
ejge-8198	28	17	lead	lead	VERB
ejge-8198	28	18	to	to	ADP
ejge-8198	28	19	wealth	wealth	NOUN
ejge-8198	28	20	creation	creation	NOUN
ejge-8198	28	21	at	at	ADP
ejge-8198	28	22	the	the	DET
ejge-8198	28	23	national	national	ADJ
ejge-8198	28	24	level	level	NOUN
ejge-8198	28	25	.	.	PUNCT
ejge-8198	29	1	women	woman	NOUN
ejge-8198	29	2	’s	’s	PART
ejge-8198	29	3	involvement	involvement	NOUN
ejge-8198	29	4	in	in	ADP
ejge-8198	29	5	entrepreneurship	entrepreneurship	NOUN
ejge-8198	29	6	is	be	AUX
ejge-8198	29	7	applauded	applaud	VERB
ejge-8198	29	8	as	as	ADP
ejge-8198	29	9	a	a	DET
ejge-8198	29	10	necessary	necessary	ADJ
ejge-8198	29	11	precursor	precursor	NOUN
ejge-8198	29	12	to	to	ADP
ejge-8198	29	13	the	the	DET
ejge-8198	29	14	economic	economic	ADJ
ejge-8198	29	15	growth	growth	NOUN
ejge-8198	29	16	of	of	ADP
ejge-8198	29	17	nations	nation	NOUN
ejge-8198	29	18	(	(	PUNCT
ejge-8198	29	19	richardson	richardson	PROPN
ejge-8198	29	20	et	et	PROPN
ejge-8198	29	21	al	al	PROPN
ejge-8198	29	22	.	.	PROPN
ejge-8198	29	23	,	,	PUNCT
ejge-8198	29	24	2004	2004	NUM
ejge-8198	29	25	)	)	PUNCT
ejge-8198	29	26	.	.	PUNCT
ejge-8198	30	1	women	woman	NOUN
ejge-8198	30	2	in	in	ADP
ejge-8198	30	3	nigeria	nigeria	PROPN
ejge-8198	30	4	have	have	AUX
ejge-8198	30	5	been	be	AUX
ejge-8198	30	6	known	know	VERB
ejge-8198	30	7	to	to	PART
ejge-8198	30	8	operate	operate	VERB
ejge-8198	30	9	smes	sme	NOUN
ejge-8198	30	10	businesses	business	NOUN
ejge-8198	30	11	effectively	effectively	ADV
ejge-8198	30	12	in	in	ADP
ejge-8198	30	13	areas	area	NOUN
ejge-8198	30	14	such	such	ADJ
ejge-8198	30	15	as	as	ADP
ejge-8198	30	16	food	food	NOUN
ejge-8198	30	17	production	production	NOUN
ejge-8198	30	18	and	and	CCONJ
ejge-8198	30	19	preservation	preservation	NOUN
ejge-8198	30	20	,	,	PUNCT
ejge-8198	30	21	craft	craft	NOUN
ejge-8198	30	22	and	and	CCONJ
ejge-8198	30	23	cottage	cottage	NOUN
ejge-8198	30	24	industries	industry	NOUN
ejge-8198	30	25	,	,	PUNCT
ejge-8198	30	26	trading	trading	NOUN
ejge-8198	30	27	,	,	PUNCT
ejge-8198	30	28	farming	farming	NOUN
ejge-8198	30	29	,	,	PUNCT
ejge-8198	30	30	and	and	CCONJ
ejge-8198	30	31	services	service	NOUN
ejge-8198	30	32	provision	provision	NOUN
ejge-8198	30	33	.	.	PUNCT
ejge-8198	31	1	the	the	DET
ejge-8198	31	2	deterioration	deterioration	NOUN
ejge-8198	31	3	of	of	ADP
ejge-8198	31	4	the	the	DET
ejge-8198	31	5	economic	economic	ADJ
ejge-8198	31	6	situation	situation	NOUN
ejge-8198	31	7	since	since	SCONJ
ejge-8198	31	8	the	the	DET
ejge-8198	31	9	1980s	1980	NOUN
ejge-8198	31	10	adversely	adversely	ADV
ejge-8198	31	11	affected	affect	VERB
ejge-8198	31	12	the	the	DET
ejge-8198	31	13	women	woman	NOUN
ejge-8198	31	14	economic	economic	ADJ
ejge-8198	31	15	condition	condition	NOUN
ejge-8198	31	16	globally	globally	ADV
ejge-8198	31	17	.	.	PUNCT
ejge-8198	32	1	hence	hence	ADV
ejge-8198	32	2	,	,	PUNCT
ejge-8198	32	3	it	it	PRON
ejge-8198	32	4	exposed	expose	VERB
ejge-8198	32	5	them	they	PRON
ejge-8198	32	6	to	to	ADP
ejge-8198	32	7	a	a	DET
ejge-8198	32	8	high	high	ADJ
ejge-8198	32	9	poverty	poverty	NOUN
ejge-8198	32	10	level	level	NOUN
ejge-8198	32	11	situation	situation	NOUN
ejge-8198	32	12	that	that	PRON
ejge-8198	32	13	has	have	AUX
ejge-8198	32	14	resulted	result	VERB
ejge-8198	32	15	in	in	ADP
ejge-8198	32	16	regarding	regard	VERB
ejge-8198	32	17	them	they	PRON
ejge-8198	32	18	as	as	ADP
ejge-8198	32	19	the	the	DET
ejge-8198	32	20	poorest	poor	ADJ
ejge-8198	32	21	of	of	ADP
ejge-8198	32	22	the	the	DET
ejge-8198	32	23	poor	poor	ADJ
ejge-8198	32	24	(	(	PUNCT
ejge-8198	32	25	cheton	cheton	NOUN
ejge-8198	32	26	,	,	PUNCT
ejge-8198	32	27	2002	2002	NUM
ejge-8198	32	28	&	&	CCONJ
ejge-8198	32	29	burkett	burkett	PROPN
ejge-8198	32	30	,	,	PUNCT
ejge-8198	32	31	2003	2003	NUM
ejge-8198	32	32	)	)	PUNCT
ejge-8198	32	33	.	.	PUNCT
ejge-8198	33	1	women	woman	NOUN
ejge-8198	33	2	have	have	AUX
ejge-8198	33	3	been	be	AUX
ejge-8198	33	4	recognized	recognize	VERB
ejge-8198	33	5	as	as	ADP
ejge-8198	33	6	the	the	DET
ejge-8198	33	7	most	most	ADV
ejge-8198	33	8	neglected	neglect	VERB
ejge-8198	33	9	and	and	CCONJ
ejge-8198	33	10	marginalized	marginalize	VERB
ejge-8198	33	11	sector	sector	NOUN
ejge-8198	33	12	as	as	ADP
ejge-8198	33	13	per	per	ADP
ejge-8198	33	14	as	as	ADP
ejge-8198	33	15	access	access	NOUN
ejge-8198	33	16	to	to	ADP
ejge-8198	33	17	credit	credit	NOUN
ejge-8198	33	18	is	be	AUX
ejge-8198	33	19	concerned	concern	VERB
ejge-8198	33	20	due	due	ADP
ejge-8198	33	21	to	to	ADP
ejge-8198	33	22	their	their	PRON
ejge-8198	33	23	inability	inability	NOUN
ejge-8198	33	24	to	to	PART
ejge-8198	33	25	provide	provide	VERB
ejge-8198	33	26	collateral	collateral	ADJ
ejge-8198	33	27	security	security	NOUN
ejge-8198	33	28	and	and	CCONJ
ejge-8198	33	29	other	other	ADJ
ejge-8198	33	30	conditions	condition	NOUN
ejge-8198	33	31	required	require	VERB
ejge-8198	33	32	by	by	ADP
ejge-8198	33	33	financial	financial	ADJ
ejge-8198	33	34	institutions	institution	NOUN
ejge-8198	33	35	.	.	PUNCT
ejge-8198	34	1	this	this	PRON
ejge-8198	34	2	is	be	AUX
ejge-8198	34	3	a	a	DET
ejge-8198	34	4	typical	typical	ADJ
ejge-8198	34	5	case	case	NOUN
ejge-8198	34	6	of	of	ADP
ejge-8198	34	7	gender	gender	NOUN
ejge-8198	34	8	inequality	inequality	NOUN
ejge-8198	34	9	,	,	PUNCT
ejge-8198	34	10	which	which	PRON
ejge-8198	34	11	might	might	AUX
ejge-8198	34	12	hinder	hinder	VERB
ejge-8198	34	13	economic	economic	ADJ
ejge-8198	34	14	growth	growth	NOUN
ejge-8198	34	15	(	(	PUNCT
ejge-8198	34	16	world	world	PROPN
ejge-8198	34	17	bank	bank	PROPN
ejge-8198	34	18	,	,	PUNCT
ejge-8198	34	19	2001	2001	NUM
ejge-8198	34	20	)	)	PUNCT
ejge-8198	34	21	.	.	PUNCT
ejge-8198	35	1	furthermore	furthermore	ADV
ejge-8198	35	2	,	,	PUNCT
ejge-8198	35	3	programmes	programme	NOUN
ejge-8198	35	4	by	by	ADP
ejge-8198	35	5	governments	government	NOUN
ejge-8198	35	6	and	and	CCONJ
ejge-8198	35	7	public	public	ADJ
ejge-8198	35	8	agencies	agency	NOUN
ejge-8198	35	9	provide	provide	VERB
ejge-8198	35	10	skills	skill	NOUN
ejge-8198	35	11	,	,	PUNCT
ejge-8198	35	12	start	start	VERB
ejge-8198	35	13	-	-	PUNCT
ejge-8198	35	14	up	up	ADP
ejge-8198	35	15	capital	capital	NOUN
ejge-8198	35	16	and	and	CCONJ
ejge-8198	35	17	other	other	ADJ
ejge-8198	35	18	inputs	input	NOUN
ejge-8198	35	19	,	,	PUNCT
ejge-8198	35	20	which	which	PRON
ejge-8198	35	21	are	be	AUX
ejge-8198	35	22	meant	mean	VERB
ejge-8198	35	23	to	to	PART
ejge-8198	35	24	support	support	VERB
ejge-8198	35	25	women	woman	NOUN
ejge-8198	35	26	interactions	interaction	NOUN
ejge-8198	35	27	within	within	ADP
ejge-8198	35	28	the	the	DET
ejge-8198	35	29	formal	formal	ADJ
ejge-8198	35	30	sector	sector	NOUN
ejge-8198	35	31	.	.	PUNCT
ejge-8198	36	1	despite	despite	SCONJ
ejge-8198	36	2	the	the	DET
ejge-8198	36	3	empowerment	empowerment	NOUN
ejge-8198	36	4	supports	support	NOUN
ejge-8198	36	5	,	,	PUNCT
ejge-8198	36	6	many	many	ADJ
ejge-8198	36	7	of	of	ADP
ejge-8198	36	8	these	these	DET
ejge-8198	36	9	programmes	programme	NOUN
ejge-8198	36	10	have	have	AUX
ejge-8198	36	11	been	be	AUX
ejge-8198	36	12	mostly	mostly	ADV
ejge-8198	36	13	adhoc	adhoc	X
ejge-8198	36	14	and	and	CCONJ
ejge-8198	36	15	poorly	poorly	ADV
ejge-8198	36	16	sustained	sustain	VERB
ejge-8198	36	17	.	.	PUNCT
ejge-8198	37	1	with	with	ADP
ejge-8198	37	2	the	the	DET
ejge-8198	37	3	expansion	expansion	NOUN
ejge-8198	37	4	of	of	ADP
ejge-8198	37	5	global	global	ADJ
ejge-8198	37	6	capital	capital	NOUN
ejge-8198	37	7	and	and	CCONJ
ejge-8198	37	8	growing	grow	VERB
ejge-8198	37	9	transnational	transnational	ADJ
ejge-8198	37	10	trade	trade	NOUN
ejge-8198	37	11	,	,	PUNCT
ejge-8198	37	12	the	the	DET
ejge-8198	37	13	informal	informal	ADJ
ejge-8198	37	14	sector	sector	NOUN
ejge-8198	37	15	in	in	ADP
ejge-8198	37	16	nigeria	nigeria	PROPN
ejge-8198	37	17	,	,	PUNCT
ejge-8198	37	18	when	when	SCONJ
ejge-8198	37	19	women	woman	NOUN
ejge-8198	37	20	’s	’s	PART
ejge-8198	37	21	creativity	creativity	NOUN
ejge-8198	37	22	is	be	AUX
ejge-8198	37	23	largely	largely	ADV
ejge-8198	37	24	ignored	ignore	VERB
ejge-8198	37	25	and	and	CCONJ
ejge-8198	37	26	left	leave	VERB
ejge-8198	37	27	to	to	PART
ejge-8198	37	28	rot	rot	VERB
ejge-8198	37	29	through	through	ADP
ejge-8198	37	30	non	non	ADJ
ejge-8198	37	31	-	-	ADJ
ejge-8198	37	32	gender	gender	ADJ
ejge-8198	37	33	sensitive	sensitive	ADJ
ejge-8198	37	34	economic	economic	ADJ
ejge-8198	37	35	programmes	programme	NOUN
ejge-8198	37	36	.	.	PUNCT
ejge-8198	38	1	women	woman	NOUN
ejge-8198	38	2	in	in	ADP
ejge-8198	38	3	this	this	DET
ejge-8198	38	4	sector	sector	NOUN
ejge-8198	38	5	are	be	AUX
ejge-8198	38	6	left	leave	VERB
ejge-8198	38	7	unaided	unaided	ADJ
ejge-8198	38	8	,	,	PUNCT
ejge-8198	38	9	and	and	CCONJ
ejge-8198	38	10	if	if	SCONJ
ejge-8198	38	11	so	so	ADV
ejge-8198	38	12	,	,	PUNCT
ejge-8198	38	13	what	what	PRON
ejge-8198	38	14	alternative	alternative	ADJ
ejge-8198	38	15	businesses	business	NOUN
ejge-8198	38	16	and	and	CCONJ
ejge-8198	38	17	economic	economic	ADJ
ejge-8198	38	18	arenas	arena	NOUN
ejge-8198	38	19	are	be	AUX
ejge-8198	38	20	available	available	ADJ
ejge-8198	38	21	to	to	ADP
ejge-8198	38	22	them	they	PRON
ejge-8198	38	23	if	if	SCONJ
ejge-8198	38	24	they	they	PRON
ejge-8198	38	25	are	be	AUX
ejge-8198	38	26	to	to	PART
ejge-8198	38	27	take	take	VERB
ejge-8198	38	28	advantage	advantage	NOUN
ejge-8198	38	29	of	of	ADP
ejge-8198	38	30	the	the	DET
ejge-8198	38	31	new	new	ADJ
ejge-8198	38	32	investment	investment	NOUN
ejge-8198	38	33	environment	environment	NOUN
ejge-8198	38	34	driven	drive	VERB
ejge-8198	38	35	by	by	ADP
ejge-8198	38	36	globalization	globalization	NOUN
ejge-8198	38	37	.	.	PUNCT
ejge-8198	39	1	these	these	PRON
ejge-8198	39	2	and	and	CCONJ
ejge-8198	39	3	many	many	ADJ
ejge-8198	39	4	other	other	ADJ
ejge-8198	39	5	concerns	concern	NOUN
ejge-8198	39	6	have	have	AUX
ejge-8198	39	7	raised	raise	VERB
ejge-8198	39	8	new	new	ADJ
ejge-8198	39	9	questions	question	NOUN
ejge-8198	39	10	on	on	ADP
ejge-8198	39	11	how	how	SCONJ
ejge-8198	39	12	women	woman	NOUN
ejge-8198	39	13	are	be	AUX
ejge-8198	39	14	benefiting	benefit	VERB
ejge-8198	39	15	from	from	ADP
ejge-8198	39	16	global	global	ADJ
ejge-8198	39	17	trade	trade	NOUN
ejge-8198	39	18	and	and	CCONJ
ejge-8198	39	19	which	which	DET
ejge-8198	39	20	environment	environment	NOUN
ejge-8198	39	21	is	be	AUX
ejge-8198	39	22	needed	need	VERB
ejge-8198	39	23	to	to	PART
ejge-8198	39	24	support	support	VERB
ejge-8198	39	25	women	woman	NOUN
ejge-8198	39	26	’s	’s	PART
ejge-8198	39	27	involvement	involvement	NOUN
ejge-8198	39	28	.	.	PUNCT
ejge-8198	40	1	in	in	ADP
ejge-8198	40	2	the	the	DET
ejge-8198	40	3	case	case	NOUN
ejge-8198	40	4	of	of	ADP
ejge-8198	40	5	many	many	ADJ
ejge-8198	40	6	countries	country	NOUN
ejge-8198	40	7	undergoing	undergo	VERB
ejge-8198	40	8	various	various	ADJ
ejge-8198	40	9	economic	economic	ADJ
ejge-8198	40	10	reforms	reform	NOUN
ejge-8198	40	11	,	,	PUNCT
ejge-8198	40	12	other	other	ADJ
ejge-8198	40	13	questions	question	NOUN
ejge-8198	40	14	have	have	AUX
ejge-8198	40	15	been	be	AUX
ejge-8198	40	16	raised	raise	VERB
ejge-8198	40	17	about	about	ADP
ejge-8198	40	18	how	how	SCONJ
ejge-8198	40	19	endangered	endanger	VERB
ejge-8198	40	20	these	these	DET
ejge-8198	40	21	reforms	reform	NOUN
ejge-8198	40	22	were	be	AUX
ejge-8198	40	23	when	when	SCONJ
ejge-8198	40	24	the	the	DET
ejge-8198	40	25	contributions	contribution	NOUN
ejge-8198	40	26	of	of	ADP
ejge-8198	40	27	the	the	DET
ejge-8198	40	28	main	main	ADJ
ejge-8198	40	29	sector	sector	NOUN
ejge-8198	40	30	in	in	ADP
ejge-8198	40	31	which	which	PRON
ejge-8198	40	32	women	woman	NOUN
ejge-8198	40	33	in	in	ADP
ejge-8198	40	34	developing	develop	VERB
ejge-8198	40	35	countries	country	NOUN
ejge-8198	40	36	operate	operate	VERB
ejge-8198	40	37	(	(	PUNCT
ejge-8198	40	38	informal	informal	ADJ
ejge-8198	40	39	sector	sector	NOUN
ejge-8198	40	40	)	)	PUNCT
ejge-8198	40	41	is	be	AUX
ejge-8198	40	42	yet	yet	ADV
ejge-8198	40	43	to	to	PART
ejge-8198	40	44	be	be	AUX
ejge-8198	40	45	fully	fully	ADV
ejge-8198	40	46	integrated	integrate	VERB
ejge-8198	40	47	into	into	ADP
ejge-8198	40	48	strategies	strategy	NOUN
ejge-8198	40	49	of	of	ADP
ejge-8198	40	50	economic	economic	ADJ
ejge-8198	40	51	reform	reform	NOUN
ejge-8198	40	52	.	.	PUNCT
ejge-8198	41	1	this	this	PRON
ejge-8198	41	2	has	have	AUX
ejge-8198	41	3	resulted	result	VERB
ejge-8198	41	4	in	in	ADP
ejge-8198	41	5	the	the	DET
ejge-8198	41	6	invisibility	invisibility	NOUN
ejge-8198	41	7	of	of	ADP
ejge-8198	41	8	women	woman	NOUN
ejge-8198	41	9	’s	’s	PART
ejge-8198	41	10	economic	economic	ADJ
ejge-8198	41	11	contribution	contribution	NOUN
ejge-8198	41	12	and	and	CCONJ
ejge-8198	41	13	their	their	PRON
ejge-8198	41	14	inability	inability	NOUN
ejge-8198	41	15	to	to	PART
ejge-8198	41	16	access	access	VERB
ejge-8198	41	17	many	many	ADJ
ejge-8198	41	18	of	of	ADP
ejge-8198	41	19	the	the	DET
ejge-8198	41	20	benefits	benefit	NOUN
ejge-8198	41	21	available	available	ADJ
ejge-8198	41	22	within	within	ADP
ejge-8198	41	23	these	these	DET
ejge-8198	41	24	economic	economic	ADJ
ejge-8198	41	25	packages	package	NOUN
ejge-8198	41	26	and	and	CCONJ
ejge-8198	41	27	programmes	programme	NOUN
ejge-8198	41	28	.	.	PUNCT
ejge-8198	42	1	access	access	NOUN
ejge-8198	42	2	to	to	ADP
ejge-8198	42	3	credit	credit	NOUN
ejge-8198	42	4	by	by	ADP
ejge-8198	42	5	women	woman	NOUN
ejge-8198	42	6	entrepreneurs	entrepreneur	NOUN
ejge-8198	42	7	is	be	AUX
ejge-8198	42	8	hampered	hamper	VERB
ejge-8198	42	9	by	by	ADP
ejge-8198	42	10	numerous	numerous	ADJ
ejge-8198	42	11	factors	factor	NOUN
ejge-8198	42	12	,	,	PUNCT
ejge-8198	42	13	including	include	VERB
ejge-8198	42	14	a	a	DET
ejge-8198	42	15	low	low	ADJ
ejge-8198	42	16	level	level	NOUN
ejge-8198	42	17	of	of	ADP
ejge-8198	42	18	education	education	NOUN
ejge-8198	42	19	,	,	PUNCT
ejge-8198	42	20	higher	high	ADJ
ejge-8198	42	21	interest	interest	NOUN
ejge-8198	42	22	rate	rate	NOUN
ejge-8198	42	23	by	by	ADP
ejge-8198	42	24	the	the	DET
ejge-8198	42	25	lending	lending	NOUN
ejge-8198	42	26	institutions	institution	NOUN
ejge-8198	42	27	,	,	PUNCT
ejge-8198	42	28	socio	socio	NOUN
ejge-8198	42	29	-	-	PUNCT
ejge-8198	42	30	cultural	cultural	ADJ
ejge-8198	42	31	factors	factor	NOUN
ejge-8198	42	32	that	that	PRON
ejge-8198	42	33	place	place	VERB
ejge-8198	42	34	women	woman	NOUN
ejge-8198	42	35	in	in	ADP
ejge-8198	42	36	a	a	DET
ejge-8198	42	37	lower	low	ADJ
ejge-8198	42	38	status	status	NOUN
ejge-8198	42	39	in	in	ADP
ejge-8198	42	40	the	the	DET
ejge-8198	42	41	society	society	NOUN
ejge-8198	42	42	as	as	SCONJ
ejge-8198	42	43	compared	compare	VERB
ejge-8198	42	44	to	to	ADP
ejge-8198	42	45	men	man	NOUN
ejge-8198	42	46	in	in	ADP
ejge-8198	42	47	as	as	ADV
ejge-8198	42	48	far	far	ADV
ejge-8198	42	49	as	as	SCONJ
ejge-8198	42	50	running	run	VERB
ejge-8198	42	51	businesses	business	NOUN
ejge-8198	42	52	is	be	AUX
ejge-8198	42	53	concerned	concern	VERB
ejge-8198	42	54	.	.	PUNCT
ejge-8198	43	1	in	in	ADP
ejge-8198	43	2	kano	kano	PROPN
ejge-8198	43	3	state	state	PROPN
ejge-8198	43	4	,	,	PUNCT
ejge-8198	43	5	it	it	PRON
ejge-8198	43	6	was	be	AUX
ejge-8198	43	7	well	well	ADV
ejge-8198	43	8	observed	observe	VERB
ejge-8198	43	9	that	that	SCONJ
ejge-8198	43	10	women	woman	NOUN
ejge-8198	43	11	have	have	VERB
ejge-8198	43	12	less	less	ADJ
ejge-8198	43	13	involvement	involvement	NOUN
ejge-8198	43	14	in	in	ADP
ejge-8198	43	15	entrepreneurial	entrepreneurial	ADJ
ejge-8198	43	16	activities	activity	NOUN
ejge-8198	43	17	.	.	PUNCT
ejge-8198	44	1	most	most	ADJ
ejge-8198	44	2	of	of	ADP
ejge-8198	44	3	the	the	DET
ejge-8198	44	4	women	woman	NOUN
ejge-8198	44	5	in	in	ADP
ejge-8198	44	6	kano	kano	PROPN
ejge-8198	44	7	engaged	engage	VERB
ejge-8198	44	8	in	in	ADP
ejge-8198	44	9	-	-	PUNCT
ejge-8198	44	10	home	home	NOUN
ejge-8198	44	11	businesses	business	NOUN
ejge-8198	44	12	.	.	PUNCT
ejge-8198	45	1	kano	kano	PROPN
ejge-8198	45	2	is	be	AUX
ejge-8198	45	3	a	a	DET
ejge-8198	45	4	majority	majority	NOUN
ejge-8198	45	5	muslim	muslim	ADJ
ejge-8198	45	6	populated	populated	ADJ
ejge-8198	45	7	state	state	NOUN
ejge-8198	45	8	,	,	PUNCT
ejge-8198	45	9	and	and	CCONJ
ejge-8198	45	10	the	the	DET
ejge-8198	45	11	majority	majority	NOUN
ejge-8198	45	12	is	be	AUX
ejge-8198	45	13	hausa	hausa	VERB
ejge-8198	45	14	or	or	CCONJ
ejge-8198	45	15	hausa	hausa	NOUN
ejge-8198	45	16	/	/	SYM
ejge-8198	45	17	fulani	fulani	X
ejge-8198	45	18	.	.	PUNCT
ejge-8198	46	1	there	there	PRON
ejge-8198	46	2	is	be	VERB
ejge-8198	46	3	the	the	DET
ejge-8198	46	4	notion	notion	NOUN
ejge-8198	46	5	among	among	ADP
ejge-8198	46	6	the	the	DET
ejge-8198	46	7	a.	a.	NOUN
ejge-8198	46	8	h.	h.	PROPN
ejge-8198	46	9	danlami	danlami	PROPN
ejge-8198	46	10	and	and	CCONJ
ejge-8198	46	11	r.	r.	PROPN
ejge-8198	46	12	bashir	bashir	PROPN
ejge-8198	46	13	/	/	SYM
ejge-8198	46	14	european	european	PROPN
ejge-8198	46	15	journal	journal	PROPN
ejge-8198	46	16	of	of	ADP
ejge-8198	46	17	government	government	NOUN
ejge-8198	46	18	and	and	CCONJ
ejge-8198	46	19	economics	economic	NOUN
ejge-8198	46	20	11(1	11(1	NUM
ejge-8198	46	21	)	)	PUNCT
ejge-8198	46	22	,	,	PUNCT
ejge-8198	46	23	june	june	PROPN
ejge-8198	46	24	2022	2022	NUM
ejge-8198	46	25	,	,	PUNCT
ejge-8198	46	26	97	97	NUM
ejge-8198	46	27	-	-	SYM
ejge-8198	46	28	112	112	NUM
ejge-8198	46	29	99	99	NUM
ejge-8198	46	30	women	woman	NOUN
ejge-8198	46	31	in	in	ADP
ejge-8198	46	32	kano	kano	PROPN
ejge-8198	46	33	,	,	PUNCT
ejge-8198	46	34	especially	especially	ADV
ejge-8198	46	35	the	the	DET
ejge-8198	46	36	muslims	muslim	NOUN
ejge-8198	46	37	,	,	PUNCT
ejge-8198	46	38	that	that	SCONJ
ejge-8198	46	39	obtaining	obtain	VERB
ejge-8198	46	40	a	a	DET
ejge-8198	46	41	bank	bank	NOUN
ejge-8198	46	42	loan	loan	NOUN
ejge-8198	46	43	is	be	AUX
ejge-8198	46	44	against	against	ADP
ejge-8198	46	45	the	the	DET
ejge-8198	46	46	teaching	teaching	NOUN
ejge-8198	46	47	of	of	ADP
ejge-8198	46	48	their	their	PRON
ejge-8198	46	49	religion	religion	NOUN
ejge-8198	46	50	.	.	PUNCT
ejge-8198	47	1	others	other	NOUN
ejge-8198	47	2	have	have	VERB
ejge-8198	47	3	the	the	DET
ejge-8198	47	4	notion	notion	NOUN
ejge-8198	47	5	that	that	SCONJ
ejge-8198	47	6	when	when	SCONJ
ejge-8198	47	7	loans	loan	NOUN
ejge-8198	47	8	are	be	AUX
ejge-8198	47	9	collected	collect	VERB
ejge-8198	47	10	from	from	ADP
ejge-8198	47	11	banks	bank	NOUN
ejge-8198	47	12	,	,	PUNCT
ejge-8198	47	13	the	the	DET
ejge-8198	47	14	interest	interest	NOUN
ejge-8198	47	15	on	on	ADP
ejge-8198	47	16	them	they	PRON
ejge-8198	47	17	is	be	AUX
ejge-8198	47	18	forbidden	forbid	VERB
ejge-8198	47	19	.	.	PUNCT
ejge-8198	48	1	thus	thus	ADV
ejge-8198	48	2	,	,	PUNCT
ejge-8198	48	3	even	even	ADV
ejge-8198	48	4	if	if	SCONJ
ejge-8198	48	5	the	the	DET
ejge-8198	48	6	women	woman	NOUN
ejge-8198	48	7	have	have	AUX
ejge-8198	48	8	met	meet	VERB
ejge-8198	48	9	all	all	DET
ejge-8198	48	10	the	the	DET
ejge-8198	48	11	necessary	necessary	ADJ
ejge-8198	48	12	requirements	requirement	NOUN
ejge-8198	48	13	to	to	PART
ejge-8198	48	14	collect	collect	VERB
ejge-8198	48	15	loans	loan	NOUN
ejge-8198	48	16	from	from	ADP
ejge-8198	48	17	any	any	DET
ejge-8198	48	18	financial	financial	ADJ
ejge-8198	48	19	institutions	institution	NOUN
ejge-8198	48	20	,	,	PUNCT
ejge-8198	48	21	some	some	PRON
ejge-8198	48	22	of	of	ADP
ejge-8198	48	23	the	the	DET
ejge-8198	48	24	women	woman	NOUN
ejge-8198	48	25	are	be	AUX
ejge-8198	48	26	not	not	PART
ejge-8198	48	27	willing	willing	ADJ
ejge-8198	48	28	to	to	PART
ejge-8198	48	29	collect	collect	VERB
ejge-8198	48	30	loans	loan	NOUN
ejge-8198	48	31	from	from	ADP
ejge-8198	48	32	banks	bank	NOUN
ejge-8198	48	33	.	.	PUNCT
ejge-8198	49	1	this	this	PRON
ejge-8198	49	2	may	may	AUX
ejge-8198	49	3	be	be	AUX
ejge-8198	49	4	a	a	DET
ejge-8198	49	5	result	result	NOUN
ejge-8198	49	6	of	of	ADP
ejge-8198	49	7	religious	religious	ADJ
ejge-8198	49	8	beliefs	belief	NOUN
ejge-8198	49	9	and	and	CCONJ
ejge-8198	49	10	,	,	PUNCT
ejge-8198	49	11	more	more	ADV
ejge-8198	49	12	importantly	importantly	ADV
ejge-8198	49	13	,	,	PUNCT
ejge-8198	49	14	lack	lack	NOUN
ejge-8198	49	15	of	of	ADP
ejge-8198	49	16	trust	trust	NOUN
ejge-8198	49	17	.	.	PUNCT
ejge-8198	50	1	in	in	ADP
ejge-8198	50	2	the	the	DET
ejge-8198	50	3	northern	northern	ADJ
ejge-8198	50	4	part	part	NOUN
ejge-8198	50	5	of	of	ADP
ejge-8198	50	6	nigeria	nigeria	PRON
ejge-8198	50	7	especially	especially	ADV
ejge-8198	50	8	kano	kano	PROPN
ejge-8198	50	9	,	,	PUNCT
ejge-8198	50	10	women	woman	NOUN
ejge-8198	50	11	do	do	AUX
ejge-8198	50	12	not	not	PART
ejge-8198	50	13	trust	trust	VERB
ejge-8198	50	14	financial	financial	ADJ
ejge-8198	50	15	institutions	institution	NOUN
ejge-8198	50	16	.	.	PUNCT
ejge-8198	51	1	they	they	PRON
ejge-8198	51	2	believe	believe	VERB
ejge-8198	51	3	that	that	SCONJ
ejge-8198	51	4	these	these	DET
ejge-8198	51	5	financial	financial	ADJ
ejge-8198	51	6	institutions	institution	NOUN
ejge-8198	51	7	have	have	VERB
ejge-8198	51	8	exploitative	exploitative	ADJ
ejge-8198	51	9	agenda	agenda	NOUN
ejge-8198	51	10	and	and	CCONJ
ejge-8198	51	11	have	have	VERB
ejge-8198	51	12	tendencies	tendency	NOUN
ejge-8198	51	13	to	to	PART
ejge-8198	51	14	lead	lead	VERB
ejge-8198	51	15	them	they	PRON
ejge-8198	51	16	to	to	ADP
ejge-8198	51	17	financial	financial	ADJ
ejge-8198	51	18	hardship	hardship	NOUN
ejge-8198	51	19	if	if	SCONJ
ejge-8198	51	20	they	they	PRON
ejge-8198	51	21	ca	can	AUX
ejge-8198	51	22	n’t	not	PART
ejge-8198	51	23	pay	pay	VERB
ejge-8198	51	24	back	back	ADP
ejge-8198	51	25	the	the	DET
ejge-8198	51	26	loan	loan	NOUN
ejge-8198	51	27	in	in	ADP
ejge-8198	51	28	due	due	ADJ
ejge-8198	51	29	time	time	NOUN
ejge-8198	51	30	.	.	PUNCT
ejge-8198	52	1	cultural	cultural	ADJ
ejge-8198	52	2	belief	belief	NOUN
ejge-8198	52	3	is	be	AUX
ejge-8198	52	4	one	one	NUM
ejge-8198	52	5	major	major	ADJ
ejge-8198	52	6	barrier	barrier	NOUN
ejge-8198	52	7	to	to	ADP
ejge-8198	52	8	women	woman	NOUN
ejge-8198	52	9	's	's	PART
ejge-8198	52	10	entrepreneurship	entrepreneurship	NOUN
ejge-8198	52	11	in	in	ADP
ejge-8198	52	12	africa	africa	PROPN
ejge-8198	52	13	.	.	PUNCT
ejge-8198	53	1	the	the	DET
ejge-8198	53	2	majority	majority	NOUN
ejge-8198	53	3	of	of	ADP
ejge-8198	53	4	cultural	cultural	ADJ
ejge-8198	53	5	practices	practice	NOUN
ejge-8198	53	6	in	in	ADP
ejge-8198	53	7	africa	africa	PROPN
ejge-8198	53	8	is	be	AUX
ejge-8198	53	9	that	that	SCONJ
ejge-8198	53	10	women	woman	NOUN
ejge-8198	53	11	's	's	PART
ejge-8198	53	12	main	main	ADJ
ejge-8198	53	13	purpose	purpose	NOUN
ejge-8198	53	14	is	be	AUX
ejge-8198	53	15	to	to	PART
ejge-8198	53	16	either	either	CCONJ
ejge-8198	53	17	work	work	VERB
ejge-8198	53	18	in	in	ADP
ejge-8198	53	19	the	the	DET
ejge-8198	53	20	farmlands	farmland	NOUN
ejge-8198	53	21	or	or	CCONJ
ejge-8198	53	22	just	just	ADV
ejge-8198	53	23	stay	stay	VERB
ejge-8198	53	24	at	at	ADP
ejge-8198	53	25	home	home	NOUN
ejge-8198	53	26	.	.	PUNCT
ejge-8198	54	1	this	this	DET
ejge-8198	54	2	trend	trend	NOUN
ejge-8198	54	3	serves	serve	VERB
ejge-8198	54	4	as	as	ADP
ejge-8198	54	5	a	a	DET
ejge-8198	54	6	major	major	ADJ
ejge-8198	54	7	barrier	barrier	NOUN
ejge-8198	54	8	for	for	ADP
ejge-8198	54	9	women	woman	NOUN
ejge-8198	54	10	to	to	PART
ejge-8198	54	11	get	get	AUX
ejge-8198	54	12	involved	involve	VERB
ejge-8198	54	13	in	in	ADP
ejge-8198	54	14	entrepreneurial	entrepreneurial	ADJ
ejge-8198	54	15	activities	activity	NOUN
ejge-8198	54	16	,	,	PUNCT
ejge-8198	54	17	thereby	thereby	ADV
ejge-8198	54	18	reducing	reduce	VERB
ejge-8198	54	19	their	their	PRON
ejge-8198	54	20	access	access	NOUN
ejge-8198	54	21	to	to	ADP
ejge-8198	54	22	loans	loan	NOUN
ejge-8198	54	23	from	from	ADP
ejge-8198	54	24	financial	financial	ADJ
ejge-8198	54	25	institutions	institution	NOUN
ejge-8198	54	26	.	.	PUNCT
ejge-8198	55	1	hence	hence	ADV
ejge-8198	55	2	this	this	DET
ejge-8198	55	3	study	study	NOUN
ejge-8198	55	4	assesses	assess	VERB
ejge-8198	55	5	the	the	DET
ejge-8198	55	6	determinants	determinant	NOUN
ejge-8198	55	7	of	of	ADP
ejge-8198	55	8	women	woman	NOUN
ejge-8198	55	9	entrepreneurs	entrepreneur	NOUN
ejge-8198	55	10	’	'	PUNCT
ejge-8198	55	11	access	access	NOUN
ejge-8198	55	12	to	to	ADP
ejge-8198	55	13	credit	credit	NOUN
ejge-8198	55	14	in	in	ADP
ejge-8198	55	15	kano	kano	PROPN
ejge-8198	55	16	metropolis	metropolis	PROPN
ejge-8198	55	17	,	,	PUNCT
ejge-8198	55	18	kano	kano	PROPN
ejge-8198	55	19	state	state	PROPN
ejge-8198	55	20	.	.	PUNCT
ejge-8198	56	1	the	the	DET
ejge-8198	56	2	study	study	NOUN
ejge-8198	56	3	specifically	specifically	ADV
ejge-8198	56	4	addressed	address	VERB
ejge-8198	56	5	how	how	SCONJ
ejge-8198	56	6	collateral	collateral	ADJ
ejge-8198	56	7	requirements	requirement	NOUN
ejge-8198	56	8	,	,	PUNCT
ejge-8198	56	9	socio	socio	NOUN
ejge-8198	56	10	-	-	PUNCT
ejge-8198	56	11	cultural	cultural	ADJ
ejge-8198	56	12	values	value	NOUN
ejge-8198	56	13	,	,	PUNCT
ejge-8198	56	14	and	and	CCONJ
ejge-8198	56	15	interest	interest	NOUN
ejge-8198	56	16	rates	rate	NOUN
ejge-8198	56	17	affect	affect	VERB
ejge-8198	56	18	women	woman	NOUN
ejge-8198	56	19	entrepreneurs	entrepreneur	NOUN
ejge-8198	56	20	'	'	PART
ejge-8198	56	21	access	access	NOUN
ejge-8198	56	22	to	to	ADP
ejge-8198	56	23	credit	credit	NOUN
ejge-8198	56	24	facilities	facility	NOUN
ejge-8198	56	25	in	in	ADP
ejge-8198	56	26	kano	kano	PROPN
ejge-8198	56	27	metropolis	metropolis	PROPN
ejge-8198	56	28	,	,	PUNCT
ejge-8198	56	29	nigeria	nigeria	PROPN
ejge-8198	56	30	.	.	PUNCT
ejge-8198	57	1	2	2	X
ejge-8198	57	2	.	.	X
ejge-8198	57	3	literature	literature	NOUN
ejge-8198	57	4	review	review	PROPN
ejge-8198	57	5	and	and	CCONJ
ejge-8198	57	6	theoretical	theoretical	ADJ
ejge-8198	57	7	framework	framework	NOUN
ejge-8198	57	8	2.1	2.1	NUM
ejge-8198	57	9	empirical	empirical	ADJ
ejge-8198	57	10	literature	literature	NOUN
ejge-8198	57	11	review	review	NOUN
ejge-8198	57	12	several	several	ADJ
ejge-8198	57	13	studies	study	NOUN
ejge-8198	57	14	were	be	AUX
ejge-8198	57	15	conducted	conduct	VERB
ejge-8198	57	16	to	to	PART
ejge-8198	57	17	assess	assess	VERB
ejge-8198	57	18	the	the	DET
ejge-8198	57	19	relationship	relationship	NOUN
ejge-8198	57	20	between	between	ADP
ejge-8198	57	21	gender	gender	NOUN
ejge-8198	57	22	and	and	CCONJ
ejge-8198	57	23	credit	credit	NOUN
ejge-8198	57	24	accessibility	accessibility	NOUN
ejge-8198	57	25	in	in	ADP
ejge-8198	57	26	different	different	ADJ
ejge-8198	57	27	areas	area	NOUN
ejge-8198	57	28	.	.	PUNCT
ejge-8198	58	1	for	for	ADP
ejge-8198	58	2	instance	instance	NOUN
ejge-8198	58	3	,	,	PUNCT
ejge-8198	58	4	olateji	olateji	VERB
ejge-8198	58	5	et	et	PROPN
ejge-8198	58	6	al	al	PROPN
ejge-8198	58	7	.	.	PROPN
ejge-8198	59	1	(	(	PUNCT
ejge-8198	59	2	2017	2017	NUM
ejge-8198	59	3	)	)	PUNCT
ejge-8198	59	4	,	,	PUNCT
ejge-8198	59	5	examined	examine	VERB
ejge-8198	59	6	the	the	DET
ejge-8198	59	7	factors	factor	NOUN
ejge-8198	59	8	that	that	PRON
ejge-8198	59	9	determine	determine	VERB
ejge-8198	59	10	women`s	women`s	NOUN
ejge-8198	59	11	access	access	NOUN
ejge-8198	59	12	to	to	ADP
ejge-8198	59	13	microcredit	microcredit	NOUN
ejge-8198	59	14	programs	program	NOUN
ejge-8198	59	15	in	in	ADP
ejge-8198	59	16	lagos	lago	NOUN
ejge-8198	59	17	,	,	PUNCT
ejge-8198	59	18	the	the	DET
ejge-8198	59	19	study	study	NOUN
ejge-8198	59	20	revealed	reveal	VERB
ejge-8198	59	21	that	that	SCONJ
ejge-8198	59	22	all	all	DET
ejge-8198	59	23	the	the	DET
ejge-8198	59	24	variables	variable	NOUN
ejge-8198	59	25	that	that	PRON
ejge-8198	59	26	were	be	AUX
ejge-8198	59	27	used	use	VERB
ejge-8198	59	28	in	in	ADP
ejge-8198	59	29	measuring	measure	VERB
ejge-8198	59	30	the	the	DET
ejge-8198	59	31	determinants	determinant	NOUN
ejge-8198	59	32	of	of	ADP
ejge-8198	59	33	women`s	women`s	NOUN
ejge-8198	59	34	access	access	NOUN
ejge-8198	59	35	to	to	ADP
ejge-8198	59	36	microcredit	microcredit	NOUN
ejge-8198	59	37	are	be	AUX
ejge-8198	59	38	significant	significant	ADJ
ejge-8198	59	39	except	except	SCONJ
ejge-8198	59	40	the	the	DET
ejge-8198	59	41	variable	variable	ADJ
ejge-8198	59	42	age	age	NOUN
ejge-8198	59	43	which	which	PRON
ejge-8198	59	44	is	be	AUX
ejge-8198	59	45	not	not	PART
ejge-8198	59	46	significant	significant	ADJ
ejge-8198	59	47	.	.	PUNCT
ejge-8198	60	1	in	in	ADP
ejge-8198	60	2	the	the	DET
ejge-8198	60	3	same	same	ADJ
ejge-8198	60	4	vein	vein	NOUN
ejge-8198	60	5	,	,	PUNCT
ejge-8198	60	6	kweyu	kweyu	NOUN
ejge-8198	60	7	(	(	PUNCT
ejge-8198	60	8	2017	2017	NUM
ejge-8198	60	9	)	)	PUNCT
ejge-8198	60	10	,	,	PUNCT
ejge-8198	60	11	concluded	conclude	VERB
ejge-8198	60	12	that	that	SCONJ
ejge-8198	60	13	providing	provide	VERB
ejge-8198	60	14	financial	financial	ADJ
ejge-8198	60	15	support	support	NOUN
ejge-8198	60	16	for	for	ADP
ejge-8198	60	17	women	woman	NOUN
ejge-8198	60	18	can	can	AUX
ejge-8198	60	19	increase	increase	VERB
ejge-8198	60	20	the	the	DET
ejge-8198	60	21	number	number	NOUN
ejge-8198	60	22	of	of	ADP
ejge-8198	60	23	new	new	ADJ
ejge-8198	60	24	businesses	business	NOUN
ejge-8198	60	25	,	,	PUNCT
ejge-8198	60	26	which	which	PRON
ejge-8198	60	27	in	in	ADP
ejge-8198	60	28	turn	turn	NOUN
ejge-8198	60	29	,	,	PUNCT
ejge-8198	60	30	would	would	AUX
ejge-8198	60	31	boost	boost	VERB
ejge-8198	60	32	economic	economic	ADJ
ejge-8198	60	33	activity	activity	NOUN
ejge-8198	60	34	,	,	PUNCT
ejge-8198	60	35	and	and	CCONJ
ejge-8198	60	36	enable	enable	VERB
ejge-8198	60	37	the	the	DET
ejge-8198	60	38	expansion	expansion	NOUN
ejge-8198	60	39	of	of	ADP
ejge-8198	60	40	old	old	ADJ
ejge-8198	60	41	businesses	business	NOUN
ejge-8198	60	42	,	,	PUNCT
ejge-8198	60	43	leading	lead	VERB
ejge-8198	60	44	to	to	ADP
ejge-8198	60	45	increased	increase	VERB
ejge-8198	60	46	productivity	productivity	NOUN
ejge-8198	60	47	and	and	CCONJ
ejge-8198	60	48	growth	growth	NOUN
ejge-8198	60	49	.	.	PUNCT
ejge-8198	61	1	furthermore	furthermore	ADV
ejge-8198	61	2	,	,	PUNCT
ejge-8198	61	3	eze	eze	PROPN
ejge-8198	61	4	etal	etal	NOUN
ejge-8198	61	5	.	.	PUNCT
ejge-8198	62	1	(	(	PUNCT
ejge-8198	62	2	2016	2016	NUM
ejge-8198	62	3	)	)	PUNCT
ejge-8198	62	4	,	,	PUNCT
ejge-8198	62	5	found	find	VERB
ejge-8198	62	6	that	that	SCONJ
ejge-8198	62	7	household	household	NOUN
ejge-8198	62	8	size	size	NOUN
ejge-8198	62	9	and	and	CCONJ
ejge-8198	62	10	marital	marital	ADJ
ejge-8198	62	11	status	status	NOUN
ejge-8198	62	12	were	be	AUX
ejge-8198	62	13	more	more	ADV
ejge-8198	62	14	likely	likely	ADJ
ejge-8198	62	15	to	to	PART
ejge-8198	62	16	increase	increase	VERB
ejge-8198	62	17	access	access	NOUN
ejge-8198	62	18	to	to	ADP
ejge-8198	62	19	credit	credit	NOUN
ejge-8198	62	20	.	.	PUNCT
ejge-8198	63	1	education	education	NOUN
ejge-8198	63	2	attainment	attainment	NOUN
ejge-8198	63	3	has	have	VERB
ejge-8198	63	4	a	a	DET
ejge-8198	63	5	positive	positive	ADJ
ejge-8198	63	6	relationship	relationship	NOUN
ejge-8198	63	7	with	with	ADP
ejge-8198	63	8	access	access	NOUN
ejge-8198	63	9	to	to	ADP
ejge-8198	63	10	credit	credit	NOUN
ejge-8198	63	11	.	.	PUNCT
ejge-8198	64	1	distance	distance	NOUN
ejge-8198	64	2	is	be	AUX
ejge-8198	64	3	less	less	ADV
ejge-8198	64	4	likely	likely	ADJ
ejge-8198	64	5	to	to	PART
ejge-8198	64	6	decrease	decrease	VERB
ejge-8198	64	7	access	access	NOUN
ejge-8198	64	8	to	to	ADP
ejge-8198	64	9	credit	credit	NOUN
ejge-8198	64	10	.	.	PUNCT
ejge-8198	65	1	this	this	DET
ejge-8198	65	2	study	study	NOUN
ejge-8198	65	3	was	be	AUX
ejge-8198	65	4	supported	support	VERB
ejge-8198	65	5	by	by	ADP
ejge-8198	65	6	the	the	DET
ejge-8198	65	7	findings	finding	NOUN
ejge-8198	65	8	of	of	ADP
ejge-8198	65	9	balogun	balogun	VERB
ejge-8198	65	10	et	et	PROPN
ejge-8198	65	11	al	al	PROPN
ejge-8198	65	12	.	.	PUNCT
ejge-8198	66	1	(	(	PUNCT
ejge-8198	66	2	2016	2016	NUM
ejge-8198	66	3	)	)	PUNCT
ejge-8198	66	4	,	,	PUNCT
ejge-8198	66	5	as	as	SCONJ
ejge-8198	66	6	was	be	AUX
ejge-8198	66	7	pointed	point	VERB
ejge-8198	66	8	out	out	ADP
ejge-8198	66	9	by	by	ADP
ejge-8198	66	10	esther	esther	NOUN
ejge-8198	66	11	(	(	PUNCT
ejge-8198	66	12	2016	2016	NUM
ejge-8198	66	13	)	)	PUNCT
ejge-8198	66	14	,	,	PUNCT
ejge-8198	66	15	who	who	PRON
ejge-8198	66	16	examined	examine	VERB
ejge-8198	66	17	the	the	DET
ejge-8198	66	18	factors	factor	NOUN
ejge-8198	66	19	affecting	affect	VERB
ejge-8198	66	20	access	access	NOUN
ejge-8198	66	21	of	of	ADP
ejge-8198	66	22	women	woman	NOUN
ejge-8198	66	23	enterprise	enterprise	NOUN
ejge-8198	66	24	funds	fund	NOUN
ejge-8198	66	25	by	by	ADP
ejge-8198	66	26	women	woman	NOUN
ejge-8198	66	27	groups	group	NOUN
ejge-8198	66	28	in	in	ADP
ejge-8198	66	29	kenya	kenya	PROPN
ejge-8198	66	30	.	.	PUNCT
ejge-8198	67	1	akhabonje	akhabonje	PROPN
ejge-8198	67	2	and	and	CCONJ
ejge-8198	67	3	namusonge	namusonge	ADJ
ejge-8198	67	4	(	(	PUNCT
ejge-8198	67	5	2016	2016	NUM
ejge-8198	67	6	)	)	PUNCT
ejge-8198	67	7	established	establish	VERB
ejge-8198	67	8	that	that	SCONJ
ejge-8198	67	9	lending	lending	NOUN
ejge-8198	67	10	procedures	procedure	NOUN
ejge-8198	67	11	,	,	PUNCT
ejge-8198	67	12	collateral	collateral	ADJ
ejge-8198	67	13	requirements	requirement	NOUN
ejge-8198	67	14	,	,	PUNCT
ejge-8198	67	15	credit	credit	NOUN
ejge-8198	67	16	bureau	bureau	NOUN
ejge-8198	67	17	referencing	reference	VERB
ejge-8198	67	18	policies	policy	NOUN
ejge-8198	67	19	and	and	CCONJ
ejge-8198	67	20	training	training	NOUN
ejge-8198	67	21	offered	offer	VERB
ejge-8198	67	22	by	by	ADP
ejge-8198	67	23	finance	finance	NOUN
ejge-8198	67	24	institutions	institution	NOUN
ejge-8198	67	25	significantly	significantly	ADV
ejge-8198	67	26	influence	influence	VERB
ejge-8198	67	27	access	access	NOUN
ejge-8198	67	28	to	to	ADP
ejge-8198	67	29	credit	credit	NOUN
ejge-8198	67	30	facilities	facility	NOUN
ejge-8198	67	31	by	by	ADP
ejge-8198	67	32	sme	sme	NOUN
ejge-8198	67	33	from	from	ADP
ejge-8198	67	34	financial	financial	ADJ
ejge-8198	67	35	institutions	institution	NOUN
ejge-8198	67	36	.	.	PUNCT
ejge-8198	68	1	moreover	moreover	ADV
ejge-8198	68	2	,	,	PUNCT
ejge-8198	68	3	studies	study	NOUN
ejge-8198	68	4	by	by	ADP
ejge-8198	68	5	mutai	mutai	PROPN
ejge-8198	68	6	(	(	PUNCT
ejge-8198	68	7	2015	2015	NUM
ejge-8198	68	8	)	)	PUNCT
ejge-8198	68	9	,	,	PUNCT
ejge-8198	68	10	waari	waari	PROPN
ejge-8198	68	11	and	and	CCONJ
ejge-8198	68	12	mwangi	mwangi	PROPN
ejge-8198	68	13	(	(	PUNCT
ejge-8198	68	14	2015	2015	NUM
ejge-8198	68	15	)	)	PUNCT
ejge-8198	68	16	and	and	CCONJ
ejge-8198	68	17	chinonye	chinonye	NOUN
ejge-8198	68	18	et	et	PROPN
ejge-8198	68	19	al	al	PROPN
ejge-8198	68	20	.	.	PROPN
ejge-8198	68	21	(	(	PUNCT
ejge-8198	68	22	2015	2015	NUM
ejge-8198	68	23	)	)	PUNCT
ejge-8198	68	24	,	,	PUNCT
ejge-8198	68	25	showed	show	VERB
ejge-8198	68	26	that	that	SCONJ
ejge-8198	68	27	women	woman	NOUN
ejge-8198	68	28	entrepreneurs	entrepreneur	NOUN
ejge-8198	68	29	are	be	AUX
ejge-8198	68	30	gaining	gain	VERB
ejge-8198	68	31	recognition	recognition	NOUN
ejge-8198	68	32	in	in	ADP
ejge-8198	68	33	entrepreneurial	entrepreneurial	ADJ
ejge-8198	68	34	activities	activity	NOUN
ejge-8198	68	35	,	,	PUNCT
ejge-8198	68	36	they	they	PRON
ejge-8198	68	37	are	be	AUX
ejge-8198	68	38	however	however	ADV
ejge-8198	68	39	,	,	PUNCT
ejge-8198	68	40	confronted	confront	VERB
ejge-8198	68	41	with	with	ADP
ejge-8198	68	42	several	several	ADJ
ejge-8198	68	43	challenges	challenge	NOUN
ejge-8198	68	44	which	which	PRON
ejge-8198	68	45	include	include	VERB
ejge-8198	68	46	inadequacy	inadequacy	NOUN
ejge-8198	68	47	of	of	ADP
ejge-8198	68	48	funds	fund	NOUN
ejge-8198	68	49	for	for	ADP
ejge-8198	68	50	start	start	NOUN
ejge-8198	68	51	-	-	PUNCT
ejge-8198	68	52	up	up	NOUN
ejge-8198	68	53	and	and	CCONJ
ejge-8198	68	54	a.	a.	PROPN
ejge-8198	68	55	h.	h.	PROPN
ejge-8198	68	56	danlami	danlami	PROPN
ejge-8198	68	57	and	and	CCONJ
ejge-8198	68	58	r.	r.	PROPN
ejge-8198	68	59	bashir	bashir	PROPN
ejge-8198	68	60	/	/	SYM
ejge-8198	68	61	european	european	PROPN
ejge-8198	68	62	journal	journal	PROPN
ejge-8198	68	63	of	of	ADP
ejge-8198	68	64	government	government	NOUN
ejge-8198	68	65	and	and	CCONJ
ejge-8198	68	66	economics	economic	NOUN
ejge-8198	68	67	11(1	11(1	NUM
ejge-8198	68	68	)	)	PUNCT
ejge-8198	68	69	,	,	PUNCT
ejge-8198	68	70	june	june	PROPN
ejge-8198	68	71	2022	2022	NUM
ejge-8198	68	72	,	,	PUNCT
ejge-8198	68	73	97	97	NUM
ejge-8198	68	74	-	-	SYM
ejge-8198	68	75	112	112	NUM
ejge-8198	68	76	100	100	NUM
ejge-8198	68	77	expansion	expansion	NOUN
ejge-8198	68	78	,	,	PUNCT
ejge-8198	68	79	lack	lack	NOUN
ejge-8198	68	80	of	of	ADP
ejge-8198	68	81	electricity	electricity	NOUN
ejge-8198	68	82	/	/	SYM
ejge-8198	68	83	infrastructural	infrastructural	ADJ
ejge-8198	68	84	facilities	facility	NOUN
ejge-8198	68	85	,	,	PUNCT
ejge-8198	68	86	un	un	ADJ
ejge-8198	68	87	-	-	ADJ
ejge-8198	68	88	conducive	conducive	ADJ
ejge-8198	68	89	business	business	NOUN
ejge-8198	68	90	environment	environment	NOUN
ejge-8198	68	91	,	,	PUNCT
ejge-8198	68	92	customers	customer	NOUN
ejge-8198	68	93	dissatisfaction	dissatisfaction	NOUN
ejge-8198	68	94	and	and	CCONJ
ejge-8198	68	95	complaints	complaint	NOUN
ejge-8198	68	96	,	,	PUNCT
ejge-8198	68	97	high	high	ADJ
ejge-8198	68	98	level	level	NOUN
ejge-8198	68	99	of	of	ADP
ejge-8198	68	100	competition	competition	NOUN
ejge-8198	68	101	and	and	CCONJ
ejge-8198	68	102	lack	lack	NOUN
ejge-8198	68	103	of	of	ADP
ejge-8198	68	104	trustworthy	trustworthy	ADJ
ejge-8198	68	105	personnel	personnel	NOUN
ejge-8198	68	106	.	.	PUNCT
ejge-8198	69	1	in	in	ADP
ejge-8198	69	2	addition	addition	NOUN
ejge-8198	69	3	,	,	PUNCT
ejge-8198	69	4	they	they	PRON
ejge-8198	69	5	pointed	point	VERB
ejge-8198	69	6	out	out	ADP
ejge-8198	69	7	that	that	SCONJ
ejge-8198	69	8	information	information	NOUN
ejge-8198	69	9	asymmetry	asymmetry	NOUN
ejge-8198	69	10	,	,	PUNCT
ejge-8198	69	11	business	business	NOUN
ejge-8198	69	12	risks	risk	NOUN
ejge-8198	69	13	and	and	CCONJ
ejge-8198	69	14	transactional	transactional	ADJ
ejge-8198	69	15	cost	cost	NOUN
ejge-8198	69	16	influence	influence	NOUN
ejge-8198	69	17	access	access	NOUN
ejge-8198	69	18	to	to	ADP
ejge-8198	69	19	finance	finance	NOUN
ejge-8198	69	20	.	.	PUNCT
ejge-8198	70	1	karanja	karanja	PROPN
ejge-8198	70	2	et	et	PROPN
ejge-8198	70	3	al	al	PROPN
ejge-8198	70	4	.	.	PROPN
ejge-8198	71	1	(	(	PUNCT
ejge-8198	71	2	2014	2014	NUM
ejge-8198	71	3	)	)	PUNCT
ejge-8198	71	4	examined	examine	VERB
ejge-8198	71	5	how	how	SCONJ
ejge-8198	71	6	lending	lending	NOUN
ejge-8198	71	7	procedures	procedure	NOUN
ejge-8198	71	8	hinder	hinder	VERB
ejge-8198	71	9	access	access	NOUN
ejge-8198	71	10	to	to	ADP
ejge-8198	71	11	credit	credit	NOUN
ejge-8198	71	12	services	service	NOUN
ejge-8198	71	13	by	by	ADP
ejge-8198	71	14	women	woman	NOUN
ejge-8198	71	15	entrepreneurs	entrepreneur	NOUN
ejge-8198	71	16	,	,	PUNCT
ejge-8198	71	17	using	use	VERB
ejge-8198	71	18	both	both	CCONJ
ejge-8198	71	19	qualitative	qualitative	ADJ
ejge-8198	71	20	and	and	CCONJ
ejge-8198	71	21	quantitative	quantitative	ADJ
ejge-8198	71	22	methods	method	NOUN
ejge-8198	71	23	,	,	PUNCT
ejge-8198	71	24	and	and	CCONJ
ejge-8198	71	25	they	they	PRON
ejge-8198	71	26	found	find	VERB
ejge-8198	71	27	out	out	ADP
ejge-8198	71	28	that	that	SCONJ
ejge-8198	71	29	all	all	DET
ejge-8198	71	30	the	the	DET
ejge-8198	71	31	variables	variable	NOUN
ejge-8198	71	32	have	have	VERB
ejge-8198	71	33	a	a	DET
ejge-8198	71	34	causal	causal	ADJ
ejge-8198	71	35	relationship	relationship	NOUN
ejge-8198	71	36	with	with	ADP
ejge-8198	71	37	access	access	NOUN
ejge-8198	71	38	to	to	ADP
ejge-8198	71	39	credit	credit	NOUN
ejge-8198	71	40	by	by	ADP
ejge-8198	71	41	women	woman	NOUN
ejge-8198	71	42	entrepreneurs	entrepreneur	NOUN
ejge-8198	71	43	.	.	PUNCT
ejge-8198	72	1	likewise	likewise	ADV
ejge-8198	72	2	,	,	PUNCT
ejge-8198	72	3	machiraetal	machiraetal	ADJ
ejge-8198	72	4	.	.	PUNCT
ejge-8198	73	1	(	(	PUNCT
ejge-8198	73	2	2014	2014	NUM
ejge-8198	73	3	)	)	PUNCT
ejge-8198	73	4	,	,	PUNCT
ejge-8198	73	5	attempted	attempt	VERB
ejge-8198	73	6	to	to	PART
ejge-8198	73	7	determine	determine	VERB
ejge-8198	73	8	the	the	DET
ejge-8198	73	9	accessibility	accessibility	NOUN
ejge-8198	73	10	of	of	ADP
ejge-8198	73	11	women	woman	NOUN
ejge-8198	73	12	's	's	PART
ejge-8198	73	13	enterprise	enterprise	NOUN
ejge-8198	73	14	funds	fund	NOUN
ejge-8198	73	15	by	by	ADP
ejge-8198	73	16	women	woman	NOUN
ejge-8198	73	17	enterprise	enterprise	NOUN
ejge-8198	73	18	owners	owner	NOUN
ejge-8198	73	19	in	in	ADP
ejge-8198	73	20	tharaka	tharaka	PROPN
ejge-8198	73	21	south	south	PROPN
ejge-8198	73	22	district	district	PROPN
ejge-8198	73	23	,	,	PUNCT
ejge-8198	73	24	the	the	DET
ejge-8198	73	25	study	study	NOUN
ejge-8198	73	26	revealed	reveal	VERB
ejge-8198	73	27	that	that	SCONJ
ejge-8198	73	28	access	access	NOUN
ejge-8198	73	29	to	to	ADP
ejge-8198	73	30	women	woman	NOUN
ejge-8198	73	31	enterprise	enterprise	NOUN
ejge-8198	73	32	fund	fund	NOUN
ejge-8198	73	33	and	and	CCONJ
ejge-8198	73	34	studied	study	VERB
ejge-8198	73	35	variables	variable	NOUN
ejge-8198	73	36	were	be	AUX
ejge-8198	73	37	closely	closely	ADV
ejge-8198	73	38	related	relate	VERB
ejge-8198	73	39	.	.	PUNCT
ejge-8198	74	1	this	this	DET
ejge-8198	74	2	study	study	NOUN
ejge-8198	74	3	was	be	AUX
ejge-8198	74	4	similar	similar	ADJ
ejge-8198	74	5	to	to	ADP
ejge-8198	74	6	that	that	PRON
ejge-8198	74	7	of	of	ADP
ejge-8198	74	8	gichuki	gichuki	PROPN
ejge-8198	74	9	et	et	PROPN
ejge-8198	74	10	al	al	PROPN
ejge-8198	74	11	.	.	PUNCT
ejge-8198	75	1	(	(	PUNCT
ejge-8198	75	2	2014	2014	NUM
ejge-8198	75	3	)	)	PUNCT
ejge-8198	75	4	,	,	PUNCT
ejge-8198	75	5	who	who	PRON
ejge-8198	75	6	investigated	investigate	VERB
ejge-8198	75	7	selected	select	VERB
ejge-8198	75	8	factors	factor	NOUN
ejge-8198	75	9	perceived	perceive	VERB
ejge-8198	75	10	to	to	PART
ejge-8198	75	11	influence	influence	VERB
ejge-8198	75	12	the	the	DET
ejge-8198	75	13	performance	performance	NOUN
ejge-8198	75	14	of	of	ADP
ejge-8198	75	15	women	woman	NOUN
ejge-8198	75	16	-	-	PUNCT
ejge-8198	75	17	owned	own	VERB
ejge-8198	75	18	small	small	ADJ
ejge-8198	75	19	micro	micro	NOUN
ejge-8198	75	20	-	-	NOUN
ejge-8198	75	21	enterprises	enterprise	NOUN
ejge-8198	75	22	.	.	PUNCT
ejge-8198	76	1	the	the	DET
ejge-8198	76	2	study	study	NOUN
ejge-8198	76	3	showed	show	VERB
ejge-8198	76	4	that	that	SCONJ
ejge-8198	76	5	the	the	DET
ejge-8198	76	6	selected	select	VERB
ejge-8198	76	7	factors	factor	NOUN
ejge-8198	76	8	income	income	NOUN
ejge-8198	76	9	,	,	PUNCT
ejge-8198	76	10	credit	credit	NOUN
ejge-8198	76	11	and	and	CCONJ
ejge-8198	76	12	education	education	NOUN
ejge-8198	76	13	level	level	NOUN
ejge-8198	76	14	of	of	ADP
ejge-8198	76	15	the	the	DET
ejge-8198	76	16	respondents	respondent	NOUN
ejge-8198	76	17	influenced	influence	VERB
ejge-8198	76	18	positive	positive	ADJ
ejge-8198	76	19	changes	change	NOUN
ejge-8198	76	20	in	in	ADP
ejge-8198	76	21	the	the	DET
ejge-8198	76	22	net	net	ADJ
ejge-8198	76	23	profits	profit	NOUN
ejge-8198	76	24	and	and	CCONJ
ejge-8198	76	25	capital	capital	NOUN
ejge-8198	76	26	of	of	ADP
ejge-8198	76	27	small	small	PROPN
ejge-8198	76	28	micro	micro	PROPN
ejge-8198	76	29	enterprises	enterprise	NOUN
ejge-8198	76	30	(	(	PUNCT
ejge-8198	76	31	smes	sme	NOUN
ejge-8198	76	32	)	)	PUNCT
ejge-8198	76	33	,	,	PUNCT
ejge-8198	76	34	while	while	SCONJ
ejge-8198	76	35	age	age	NOUN
ejge-8198	76	36	did	do	AUX
ejge-8198	76	37	not	not	PART
ejge-8198	76	38	influence	influence	VERB
ejge-8198	76	39	the	the	DET
ejge-8198	76	40	change	change	NOUN
ejge-8198	76	41	in	in	ADP
ejge-8198	76	42	the	the	DET
ejge-8198	76	43	enterprise	enterprise	NOUN
ejge-8198	76	44	.	.	PUNCT
ejge-8198	77	1	from	from	ADP
ejge-8198	77	2	the	the	DET
ejge-8198	77	3	literature	literature	NOUN
ejge-8198	77	4	reviewed	review	VERB
ejge-8198	77	5	,	,	PUNCT
ejge-8198	77	6	it	it	PRON
ejge-8198	77	7	was	be	AUX
ejge-8198	77	8	shown	show	VERB
ejge-8198	77	9	that	that	SCONJ
ejge-8198	77	10	not	not	PART
ejge-8198	77	11	all	all	DET
ejge-8198	77	12	factors	factor	NOUN
ejge-8198	77	13	have	have	VERB
ejge-8198	77	14	equal	equal	ADJ
ejge-8198	77	15	importance	importance	NOUN
ejge-8198	77	16	in	in	ADP
ejge-8198	77	17	determining	determine	VERB
ejge-8198	77	18	the	the	DET
ejge-8198	77	19	gender	gender	NOUN
ejge-8198	77	20	accessibility	accessibility	NOUN
ejge-8198	77	21	of	of	ADP
ejge-8198	77	22	credit	credit	NOUN
ejge-8198	77	23	for	for	ADP
ejge-8198	77	24	different	different	ADJ
ejge-8198	77	25	areas	area	NOUN
ejge-8198	77	26	due	due	ADJ
ejge-8198	77	27	to	to	ADP
ejge-8198	77	28	differences	difference	NOUN
ejge-8198	77	29	in	in	ADP
ejge-8198	77	30	socioeconomic	socioeconomic	ADJ
ejge-8198	77	31	settings	setting	NOUN
ejge-8198	77	32	,	,	PUNCT
ejge-8198	77	33	environmental	environmental	ADJ
ejge-8198	77	34	factors	factor	NOUN
ejge-8198	77	35	,	,	PUNCT
ejge-8198	77	36	and	and	CCONJ
ejge-8198	77	37	cultural	cultural	ADJ
ejge-8198	77	38	factors	factor	NOUN
ejge-8198	77	39	as	as	ADV
ejge-8198	77	40	well	well	ADV
ejge-8198	77	41	as	as	ADP
ejge-8198	77	42	the	the	DET
ejge-8198	77	43	average	average	ADJ
ejge-8198	77	44	level	level	NOUN
ejge-8198	77	45	of	of	ADP
ejge-8198	77	46	development	development	NOUN
ejge-8198	77	47	in	in	ADP
ejge-8198	77	48	the	the	DET
ejge-8198	77	49	area	area	NOUN
ejge-8198	77	50	.	.	PUNCT
ejge-8198	78	1	this	this	PRON
ejge-8198	78	2	(	(	PUNCT
ejge-8198	78	3	i.e.	i.e.	X
ejge-8198	78	4	,	,	PUNCT
ejge-8198	78	5	differences	difference	NOUN
ejge-8198	78	6	in	in	ADP
ejge-8198	78	7	the	the	DET
ejge-8198	78	8	study	study	NOUN
ejge-8198	78	9	area	area	NOUN
ejge-8198	78	10	)	)	PUNCT
ejge-8198	78	11	has	have	AUX
ejge-8198	78	12	led	lead	VERB
ejge-8198	78	13	to	to	ADP
ejge-8198	78	14	the	the	DET
ejge-8198	78	15	arrival	arrival	NOUN
ejge-8198	78	16	of	of	ADP
ejge-8198	78	17	different	different	ADJ
ejge-8198	78	18	and	and	CCONJ
ejge-8198	78	19	inconsistent	inconsistent	ADJ
ejge-8198	78	20	conclusions	conclusion	NOUN
ejge-8198	78	21	in	in	ADP
ejge-8198	78	22	the	the	DET
ejge-8198	78	23	literature	literature	NOUN
ejge-8198	78	24	on	on	ADP
ejge-8198	78	25	gender	gender	NOUN
ejge-8198	78	26	and	and	CCONJ
ejge-8198	78	27	credit	credit	NOUN
ejge-8198	78	28	accessibility	accessibility	NOUN
ejge-8198	78	29	among	among	ADP
ejge-8198	78	30	women	woman	NOUN
ejge-8198	78	31	entrepreneurs	entrepreneur	NOUN
ejge-8198	78	32	.	.	PUNCT
ejge-8198	79	1	2.2	2.2	NUM
ejge-8198	79	2	theoretical	theoretical	ADJ
ejge-8198	79	3	framework	framework	NOUN
ejge-8198	79	4	this	this	DET
ejge-8198	79	5	study	study	NOUN
ejge-8198	79	6	will	will	AUX
ejge-8198	79	7	adopt	adopt	VERB
ejge-8198	79	8	the	the	DET
ejge-8198	79	9	theoretical	theoretical	ADJ
ejge-8198	79	10	framework	framework	NOUN
ejge-8198	79	11	used	use	VERB
ejge-8198	79	12	by	by	ADP
ejge-8198	79	13	muntai	muntai	NOUN
ejge-8198	79	14	(	(	PUNCT
ejge-8198	79	15	2015	2015	NUM
ejge-8198	79	16	)	)	PUNCT
ejge-8198	79	17	.	.	PUNCT
ejge-8198	80	1	muntai	muntai	PROPN
ejge-8198	80	2	(	(	PUNCT
ejge-8198	80	3	2015	2015	NUM
ejge-8198	80	4	)	)	PUNCT
ejge-8198	80	5	used	use	VERB
ejge-8198	80	6	schumpeter	schumpeter	NOUN
ejge-8198	80	7	’s	’s	PART
ejge-8198	80	8	(	(	PUNCT
ejge-8198	80	9	1939	1939	NUM
ejge-8198	80	10	)	)	PUNCT
ejge-8198	80	11	theory	theory	NOUN
ejge-8198	80	12	of	of	ADP
ejge-8198	80	13	innovation	innovation	NOUN
ejge-8198	80	14	which	which	PRON
ejge-8198	80	15	is	be	AUX
ejge-8198	80	16	in	in	ADP
ejge-8198	80	17	line	line	NOUN
ejge-8198	80	18	with	with	ADP
ejge-8198	80	19	some	some	PRON
ejge-8198	80	20	of	of	ADP
ejge-8198	80	21	the	the	DET
ejge-8198	80	22	specific	specific	ADJ
ejge-8198	80	23	objectives	objective	NOUN
ejge-8198	80	24	of	of	ADP
ejge-8198	80	25	this	this	DET
ejge-8198	80	26	study	study	NOUN
ejge-8198	80	27	.	.	PUNCT
ejge-8198	81	1	according	accord	VERB
ejge-8198	81	2	to	to	ADP
ejge-8198	81	3	schumpeter	schumpeter	NOUN
ejge-8198	81	4	’s	’s	PART
ejge-8198	81	5	theory	theory	NOUN
ejge-8198	81	6	of	of	ADP
ejge-8198	81	7	innovation	innovation	NOUN
ejge-8198	81	8	,	,	PUNCT
ejge-8198	81	9	development	development	NOUN
ejge-8198	81	10	implies	imply	VERB
ejge-8198	81	11	carrying	carry	VERB
ejge-8198	81	12	one	one	NUM
ejge-8198	81	13	new	new	ADJ
ejge-8198	81	14	combination	combination	NOUN
ejge-8198	81	15	of	of	ADP
ejge-8198	81	16	entrepreneurship	entrepreneurship	NOUN
ejge-8198	81	17	.	.	PUNCT
ejge-8198	82	1	‘	'	PUNCT
ejge-8198	82	2	entrepreneur	entrepreneur	NOUN
ejge-8198	82	3	’	'	PUNCT
ejge-8198	82	4	is	be	AUX
ejge-8198	82	5	an	an	DET
ejge-8198	82	6	innovator	innovator	NOUN
ejge-8198	82	7	who	who	PRON
ejge-8198	82	8	carries	carry	VERB
ejge-8198	82	9	a	a	DET
ejge-8198	82	10	new	new	ADJ
ejge-8198	82	11	combination	combination	NOUN
ejge-8198	82	12	of	of	ADP
ejge-8198	82	13	new	new	ADJ
ejge-8198	82	14	goods	good	NOUN
ejge-8198	82	15	/	/	SYM
ejge-8198	82	16	services	service	NOUN
ejge-8198	82	17	,	,	PUNCT
ejge-8198	82	18	new	new	ADJ
ejge-8198	82	19	method	method	NOUN
ejge-8198	82	20	of	of	ADP
ejge-8198	82	21	production	production	NOUN
ejge-8198	82	22	,	,	PUNCT
ejge-8198	82	23	new	new	ADJ
ejge-8198	82	24	market	market	NOUN
ejge-8198	82	25	,	,	PUNCT
ejge-8198	82	26	new	new	ADJ
ejge-8198	82	27	source	source	NOUN
ejge-8198	82	28	of	of	ADP
ejge-8198	82	29	supply	supply	NOUN
ejge-8198	82	30	of	of	ADP
ejge-8198	82	31	raw	raw	ADJ
ejge-8198	82	32	materials	material	NOUN
ejge-8198	82	33	,	,	PUNCT
ejge-8198	82	34	new	new	ADJ
ejge-8198	82	35	organization	organization	NOUN
ejge-8198	82	36	.	.	PUNCT
ejge-8198	83	1	in	in	ADP
ejge-8198	83	2	political	political	ADJ
ejge-8198	83	3	economics	economic	NOUN
ejge-8198	83	4	,	,	PUNCT
ejge-8198	83	5	entrepreneurship	entrepreneurship	NOUN
ejge-8198	83	6	is	be	AUX
ejge-8198	83	7	the	the	DET
ejge-8198	83	8	process	process	NOUN
ejge-8198	83	9	of	of	ADP
ejge-8198	83	10	identifying	identify	VERB
ejge-8198	83	11	and	and	CCONJ
ejge-8198	83	12	starting	start	VERB
ejge-8198	83	13	a	a	DET
ejge-8198	83	14	new	new	ADJ
ejge-8198	83	15	business	business	NOUN
ejge-8198	83	16	venture	venture	NOUN
ejge-8198	83	17	,	,	PUNCT
ejge-8198	83	18	sourcing	source	VERB
ejge-8198	83	19	and	and	CCONJ
ejge-8198	83	20	organizing	organize	VERB
ejge-8198	83	21	the	the	DET
ejge-8198	83	22	required	require	VERB
ejge-8198	83	23	resources	resource	NOUN
ejge-8198	83	24	,	,	PUNCT
ejge-8198	83	25	while	while	SCONJ
ejge-8198	83	26	taking	take	VERB
ejge-8198	83	27	both	both	DET
ejge-8198	83	28	the	the	DET
ejge-8198	83	29	risks	risk	NOUN
ejge-8198	83	30	and	and	CCONJ
ejge-8198	83	31	rewards	reward	NOUN
ejge-8198	83	32	associated	associate	VERB
ejge-8198	83	33	with	with	ADP
ejge-8198	83	34	the	the	DET
ejge-8198	83	35	venture	venture	NOUN
ejge-8198	83	36	.	.	PUNCT
ejge-8198	84	1	according	accord	VERB
ejge-8198	84	2	to	to	ADP
ejge-8198	84	3	schumpeter	schumpeter	NOUN
ejge-8198	84	4	,	,	PUNCT
ejge-8198	84	5	a	a	DET
ejge-8198	84	6	woman	woman	NOUN
ejge-8198	84	7	entrepreneur	entrepreneur	NOUN
ejge-8198	84	8	is	be	AUX
ejge-8198	84	9	willing	willing	ADJ
ejge-8198	84	10	and	and	CCONJ
ejge-8198	84	11	able	able	ADJ
ejge-8198	84	12	to	to	PART
ejge-8198	84	13	convert	convert	VERB
ejge-8198	84	14	a	a	DET
ejge-8198	84	15	new	new	ADJ
ejge-8198	84	16	idea	idea	NOUN
ejge-8198	84	17	or	or	CCONJ
ejge-8198	84	18	invention	invention	NOUN
ejge-8198	84	19	into	into	ADP
ejge-8198	84	20	a	a	DET
ejge-8198	84	21	successful	successful	ADJ
ejge-8198	84	22	innovation	innovation	NOUN
ejge-8198	84	23	despite	despite	SCONJ
ejge-8198	84	24	limitations	limitation	NOUN
ejge-8198	84	25	accessibility	accessibility	NOUN
ejge-8198	84	26	to	to	ADP
ejge-8198	84	27	business	business	NOUN
ejge-8198	84	28	finances	finance	NOUN
ejge-8198	84	29	.	.	PUNCT
ejge-8198	85	1	entrepreneurship	entrepreneurship	NOUN
ejge-8198	85	2	employs	employ	VERB
ejge-8198	85	3	what	what	PRON
ejge-8198	85	4	schumpeter	schumpeter	NOUN
ejge-8198	85	5	called	call	VERB
ejge-8198	85	6	"	"	PUNCT
ejge-8198	85	7	the	the	DET
ejge-8198	85	8	gale	gale	NOUN
ejge-8198	85	9	of	of	ADP
ejge-8198	85	10	creative	creative	ADJ
ejge-8198	85	11	destruction	destruction	NOUN
ejge-8198	85	12	"	"	PUNCT
ejge-8198	85	13	to	to	PART
ejge-8198	85	14	replace	replace	VERB
ejge-8198	85	15	in	in	ADP
ejge-8198	85	16	whole	whole	ADJ
ejge-8198	85	17	or	or	CCONJ
ejge-8198	85	18	in	in	ADP
ejge-8198	85	19	part	part	NOUN
ejge-8198	85	20	inferior	inferior	ADJ
ejge-8198	85	21	offerings	offering	NOUN
ejge-8198	85	22	across	across	ADP
ejge-8198	85	23	markets	market	NOUN
ejge-8198	85	24	and	and	CCONJ
ejge-8198	85	25	industries	industry	NOUN
ejge-8198	85	26	,	,	PUNCT
ejge-8198	85	27	simultaneously	simultaneously	ADV
ejge-8198	85	28	creating	create	VERB
ejge-8198	85	29	new	new	ADJ
ejge-8198	85	30	products	product	NOUN
ejge-8198	85	31	and	and	CCONJ
ejge-8198	85	32	new	new	ADJ
ejge-8198	85	33	business	business	NOUN
ejge-8198	85	34	models	model	NOUN
ejge-8198	85	35	.	.	PUNCT
ejge-8198	86	1	thus	thus	ADV
ejge-8198	86	2	,	,	PUNCT
ejge-8198	86	3	creative	creative	ADJ
ejge-8198	86	4	destruction	destruction	NOUN
ejge-8198	86	5	is	be	AUX
ejge-8198	86	6	largely	largely	ADV
ejge-8198	86	7	responsible	responsible	ADJ
ejge-8198	86	8	for	for	ADP
ejge-8198	86	9	the	the	DET
ejge-8198	86	10	dynamism	dynamism	NOUN
ejge-8198	86	11	of	of	ADP
ejge-8198	86	12	industry	industry	NOUN
ejge-8198	86	13	and	and	CCONJ
ejge-8198	86	14	long	long	ADJ
ejge-8198	86	15	-	-	PUNCT
ejge-8198	86	16	term	term	NOUN
ejge-8198	86	17	economic	economic	ADJ
ejge-8198	86	18	growth	growth	NOUN
ejge-8198	86	19	.	.	PUNCT
ejge-8198	87	1	in	in	ADP
ejge-8198	87	2	spite	spite	NOUN
ejge-8198	87	3	of	of	ADP
ejge-8198	87	4	the	the	DET
ejge-8198	87	5	consensus	consensus	NOUN
ejge-8198	87	6	that	that	DET
ejge-8198	87	7	size	size	NOUN
ejge-8198	87	8	has	have	VERB
ejge-8198	87	9	a.	a.	PROPN
ejge-8198	87	10	h.	h.	PROPN
ejge-8198	87	11	danlami	danlami	PROPN
ejge-8198	87	12	and	and	CCONJ
ejge-8198	87	13	r.	r.	PROPN
ejge-8198	87	14	bashir	bashir	PROPN
ejge-8198	87	15	/	/	SYM
ejge-8198	87	16	european	european	PROPN
ejge-8198	87	17	journal	journal	PROPN
ejge-8198	87	18	of	of	ADP
ejge-8198	87	19	government	government	NOUN
ejge-8198	87	20	and	and	CCONJ
ejge-8198	87	21	economics	economic	NOUN
ejge-8198	87	22	11(1	11(1	NUM
ejge-8198	87	23	)	)	PUNCT
ejge-8198	87	24	,	,	PUNCT
ejge-8198	87	25	june	june	PROPN
ejge-8198	87	26	2022	2022	NUM
ejge-8198	87	27	,	,	PUNCT
ejge-8198	87	28	97	97	NUM
ejge-8198	87	29	-	-	SYM
ejge-8198	87	30	112	112	NUM
ejge-8198	87	31	101	101	NUM
ejge-8198	87	32	little	little	ADJ
ejge-8198	87	33	effect	effect	NOUN
ejge-8198	87	34	on	on	ADP
ejge-8198	87	35	innovation	innovation	NOUN
ejge-8198	87	36	;	;	PUNCT
ejge-8198	87	37	size	size	NOUN
ejge-8198	87	38	does	do	AUX
ejge-8198	87	39	have	have	VERB
ejge-8198	87	40	important	important	ADJ
ejge-8198	87	41	consequences	consequence	NOUN
ejge-8198	87	42	on	on	ADP
ejge-8198	87	43	innovation	innovation	NOUN
ejge-8198	87	44	.	.	PUNCT
ejge-8198	88	1	some	some	DET
ejge-8198	88	2	advantages	advantage	NOUN
ejge-8198	88	3	of	of	ADP
ejge-8198	88	4	large	large	ADJ
ejge-8198	88	5	firms	firm	NOUN
ejge-8198	88	6	are	be	AUX
ejge-8198	88	7	:	:	PUNCT
ejge-8198	88	8	a	a	X
ejge-8198	88	9	)	)	PUNCT
ejge-8198	88	10	the	the	DET
ejge-8198	88	11	spread	spread	NOUN
ejge-8198	88	12	of	of	ADP
ejge-8198	88	13	fixed	fix	VERB
ejge-8198	88	14	costs	cost	NOUN
ejge-8198	88	15	of	of	ADP
ejge-8198	88	16	innovation	innovation	NOUN
ejge-8198	88	17	b	b	NOUN
ejge-8198	88	18	)	)	PUNCT
ejge-8198	88	19	economies	economy	NOUN
ejge-8198	88	20	of	of	ADP
ejge-8198	88	21	scale	scale	NOUN
ejge-8198	88	22	,	,	PUNCT
ejge-8198	88	23	scope	scope	NOUN
ejge-8198	88	24	in	in	ADP
ejge-8198	88	25	research	research	NOUN
ejge-8198	88	26	and	and	CCONJ
ejge-8198	88	27	development	development	NOUN
ejge-8198	88	28	c	c	NOUN
ejge-8198	88	29	)	)	PUNCT
ejge-8198	88	30	capital	capital	NOUN
ejge-8198	88	31	market	market	NOUN
ejge-8198	88	32	imperfection	imperfection	NOUN
ejge-8198	88	33	confers	confer	VERB
ejge-8198	88	34	advantages	advantage	NOUN
ejge-8198	88	35	to	to	ADP
ejge-8198	88	36	large	large	ADJ
ejge-8198	88	37	firms	firm	NOUN
ejge-8198	88	38	in	in	ADP
ejge-8198	88	39	securing	secure	VERB
ejge-8198	88	40	finance	finance	NOUN
ejge-8198	88	41	for	for	ADP
ejge-8198	88	42	risky	risky	ADJ
ejge-8198	88	43	research	research	NOUN
ejge-8198	88	44	and	and	CCONJ
ejge-8198	88	45	development	development	NOUN
ejge-8198	88	46	projects	project	NOUN
ejge-8198	88	47	as	as	SCONJ
ejge-8198	88	48	firms	firm	NOUN
ejge-8198	88	49	grow	grow	VERB
ejge-8198	88	50	larger	large	ADJ
ejge-8198	88	51	,	,	PUNCT
ejge-8198	88	52	efficiency	efficiency	NOUN
ejge-8198	88	53	in	in	ADP
ejge-8198	88	54	r	r	NOUN
ejge-8198	88	55	&	&	CCONJ
ejge-8198	88	56	d	d	PROPN
ejge-8198	88	57	is	be	AUX
ejge-8198	88	58	undermined	undermine	VERB
ejge-8198	88	59	either	either	CCONJ
ejge-8198	88	60	through	through	ADP
ejge-8198	88	61	the	the	DET
ejge-8198	88	62	loss	loss	NOUN
ejge-8198	88	63	of	of	ADP
ejge-8198	88	64	managerial	managerial	ADJ
ejge-8198	88	65	control	control	NOUN
ejge-8198	88	66	or	or	CCONJ
ejge-8198	88	67	,	,	PUNCT
ejge-8198	88	68	alternatively	alternatively	ADV
ejge-8198	88	69	,	,	PUNCT
ejge-8198	88	70	excessive	excessive	ADJ
ejge-8198	88	71	bureaucratic	bureaucratic	ADJ
ejge-8198	88	72	control	control	NOUN
ejge-8198	88	73	,	,	PUNCT
ejge-8198	88	74	which	which	PRON
ejge-8198	88	75	diverts	divert	VERB
ejge-8198	88	76	the	the	DET
ejge-8198	88	77	attention	attention	NOUN
ejge-8198	88	78	of	of	ADP
ejge-8198	88	79	the	the	DET
ejge-8198	88	80	firm	firm	NOUN
ejge-8198	88	81	’s	’s	PART
ejge-8198	88	82	bench	bench	NOUN
ejge-8198	88	83	scientists	scientist	NOUN
ejge-8198	88	84	and	and	CCONJ
ejge-8198	88	85	technologists	technologist	NOUN
ejge-8198	88	86	.	.	PUNCT
ejge-8198	89	1	moreover	moreover	ADV
ejge-8198	89	2	,	,	PUNCT
ejge-8198	89	3	as	as	SCONJ
ejge-8198	89	4	a	a	DET
ejge-8198	89	5	firm	firm	NOUN
ejge-8198	89	6	grows	grow	VERB
ejge-8198	89	7	large	large	ADJ
ejge-8198	89	8	,	,	PUNCT
ejge-8198	89	9	the	the	DET
ejge-8198	89	10	incentives	incentive	NOUN
ejge-8198	89	11	of	of	ADP
ejge-8198	89	12	individual	individual	ADJ
ejge-8198	89	13	scientists	scientist	NOUN
ejge-8198	89	14	and	and	CCONJ
ejge-8198	89	15	entrepreneurs	entrepreneur	NOUN
ejge-8198	89	16	may	may	AUX
ejge-8198	89	17	be	be	AUX
ejge-8198	89	18	blunted	blunt	VERB
ejge-8198	89	19	as	as	SCONJ
ejge-8198	89	20	either	either	CCONJ
ejge-8198	89	21	their	their	PRON
ejge-8198	89	22	ability	ability	NOUN
ejge-8198	89	23	to	to	PART
ejge-8198	89	24	capture	capture	VERB
ejge-8198	89	25	benefits	benefit	NOUN
ejge-8198	89	26	from	from	ADP
ejge-8198	89	27	their	their	PRON
ejge-8198	89	28	individual	individual	ADJ
ejge-8198	89	29	efforts	effort	NOUN
ejge-8198	89	30	dismisses	dismisse	NOUN
ejge-8198	89	31	or	or	CCONJ
ejge-8198	89	32	their	their	PRON
ejge-8198	89	33	creative	creative	ADJ
ejge-8198	89	34	impulses	impulse	NOUN
ejge-8198	89	35	are	be	AUX
ejge-8198	89	36	frustrated	frustrate	VERB
ejge-8198	89	37	by	by	ADP
ejge-8198	89	38	the	the	DET
ejge-8198	89	39	conservatism	conservatism	NOUN
ejge-8198	89	40	characteristics	characteristic	NOUN
ejge-8198	89	41	of	of	ADP
ejge-8198	89	42	hierarchy	hierarchy	NOUN
ejge-8198	89	43	of	of	ADP
ejge-8198	89	44	large	large	ADJ
ejge-8198	89	45	corporations	corporation	NOUN
ejge-8198	89	46	.	.	PUNCT
ejge-8198	90	1	the	the	DET
ejge-8198	90	2	model	model	NOUN
ejge-8198	90	3	presented	present	VERB
ejge-8198	90	4	by	by	ADP
ejge-8198	90	5	muntai	muntai	PROPN
ejge-8198	90	6	(	(	PUNCT
ejge-8198	90	7	2015	2015	NUM
ejge-8198	90	8	)	)	PUNCT
ejge-8198	90	9	was	be	AUX
ejge-8198	90	10	adapted	adapt	VERB
ejge-8198	90	11	in	in	ADP
ejge-8198	90	12	this	this	DET
ejge-8198	90	13	study	study	NOUN
ejge-8198	90	14	;	;	PUNCT
ejge-8198	90	15	the	the	DET
ejge-8198	90	16	model	model	NOUN
ejge-8198	90	17	is	be	AUX
ejge-8198	90	18	presented	present	VERB
ejge-8198	90	19	as	as	ADP
ejge-8198	90	20	in	in	ADP
ejge-8198	90	21	the	the	DET
ejge-8198	90	22	diagram	diagram	NOUN
ejge-8198	90	23	below	below	ADV
ejge-8198	90	24	.	.	PUNCT
ejge-8198	91	1	figure	figure	NOUN
ejge-8198	91	2	1	1	NUM
ejge-8198	91	3	.	.	PUNCT
ejge-8198	91	4	conceptual	conceptual	ADJ
ejge-8198	91	5	framework	framework	NOUN
ejge-8198	91	6	.	.	PUNCT
ejge-8198	92	1	source	source	NOUN
ejge-8198	92	2	:	:	PUNCT
ejge-8198	92	3	adapted	adapt	VERB
ejge-8198	92	4	from	from	ADP
ejge-8198	92	5	muntai	muntai	PROPN
ejge-8198	92	6	(	(	PUNCT
ejge-8198	92	7	2015	2015	NUM
ejge-8198	92	8	)	)	PUNCT
ejge-8198	92	9	socio	socio	NOUN
ejge-8198	92	10	-	-	PUNCT
ejge-8198	92	11	cultural	cultural	ADJ
ejge-8198	92	12	factor	factor	NOUN
ejge-8198	92	13	age	age	NOUN
ejge-8198	92	14	religious	religious	ADJ
ejge-8198	92	15	background	background	NOUN
ejge-8198	92	16	tribal	tribal	PROPN
ejge-8198	92	17	background	background	PROPN
ejge-8198	92	18	educational	educational	ADJ
ejge-8198	92	19	background	background	NOUN
ejge-8198	92	20	marital	marital	ADJ
ejge-8198	92	21	status	status	NOUN
ejge-8198	92	22	geopolitcal	geopolitcal	ADJ
ejge-8198	92	23	zone	zone	NOUN
ejge-8198	92	24	willingness	willingness	NOUN
ejge-8198	92	25	to	to	PART
ejge-8198	92	26	accept	accept	VERB
ejge-8198	92	27	/	/	SYM
ejge-8198	92	28	collect	collect	NOUN
ejge-8198	92	29	amount	amount	NOUN
ejge-8198	92	30	willing	willing	ADJ
ejge-8198	92	31	to	to	PART
ejge-8198	92	32	collect	collect	VERB
ejge-8198	92	33	interest	interest	NOUN
ejge-8198	92	34	rates	rate	NOUN
ejge-8198	92	35	cumbersome	cumbersome	ADJ
ejge-8198	92	36	procedures	procedure	NOUN
ejge-8198	92	37	small	small	ADJ
ejge-8198	92	38	loan	loan	NOUN
ejge-8198	92	39	size	size	NOUN
ejge-8198	92	40	collateral	collateral	NOUN
ejge-8198	92	41	issues	issue	NOUN
ejge-8198	92	42	business	business	NOUN
ejge-8198	92	43	plan	plan	NOUN
ejge-8198	92	44	availability	availability	NOUN
ejge-8198	92	45	of	of	ADP
ejge-8198	92	46	the	the	DET
ejge-8198	92	47	financial	financial	ADJ
ejge-8198	92	48	institution	institution	NOUN
ejge-8198	92	49	religeous	religeous	ADJ
ejge-8198	92	50	affiliation	affiliation	NOUN
ejge-8198	92	51	accessibility	accessibility	NOUN
ejge-8198	92	52	of	of	ADP
ejge-8198	92	53	credit	credit	NOUN
ejge-8198	92	54	/	/	SYM
ejge-8198	92	55	finance	finance	NOUN
ejge-8198	92	56	facilities	facility	NOUN
ejge-8198	92	57	by	by	ADP
ejge-8198	92	58	women	woman	NOUN
ejge-8198	92	59	collateral	collateral	ADJ
ejge-8198	92	60	requirements	requirement	NOUN
ejge-8198	92	61	and	and	CCONJ
ejge-8198	92	62	interest	interest	NOUN
ejge-8198	92	63	amount	amount	NOUN
ejge-8198	92	64	collected	collect	VERB
ejge-8198	92	65	level	level	NOUN
ejge-8198	92	66	of	of	ADP
ejge-8198	92	67	interest	interest	NOUN
ejge-8198	92	68	rates	rate	NOUN
ejge-8198	92	69	adequate	adequate	ADJ
ejge-8198	92	70	collateral	collateral	ADJ
ejge-8198	92	71	length	length	NOUN
ejge-8198	92	72	of	of	ADP
ejge-8198	92	73	repayment	repayment	NOUN
ejge-8198	92	74	business	business	NOUN
ejge-8198	92	75	plan	plan	NOUN
ejge-8198	92	76	religeous	religeous	ADJ
ejge-8198	92	77	affiliation	affiliation	NOUN
ejge-8198	92	78	a.	a.	PROPN
ejge-8198	92	79	h.	h.	PROPN
ejge-8198	92	80	danlami	danlami	PROPN
ejge-8198	92	81	and	and	CCONJ
ejge-8198	92	82	r.	r.	PROPN
ejge-8198	92	83	bashir	bashir	PROPN
ejge-8198	92	84	/	/	SYM
ejge-8198	92	85	european	european	PROPN
ejge-8198	92	86	journal	journal	PROPN
ejge-8198	92	87	of	of	ADP
ejge-8198	92	88	government	government	NOUN
ejge-8198	92	89	and	and	CCONJ
ejge-8198	92	90	economics	economic	NOUN
ejge-8198	92	91	11(1	11(1	NUM
ejge-8198	92	92	)	)	PUNCT
ejge-8198	92	93	,	,	PUNCT
ejge-8198	92	94	june	june	PROPN
ejge-8198	92	95	2022	2022	NUM
ejge-8198	92	96	,	,	PUNCT
ejge-8198	92	97	97	97	NUM
ejge-8198	92	98	-	-	SYM
ejge-8198	92	99	112	112	NUM
ejge-8198	92	100	102	102	NUM
ejge-8198	92	101	in	in	ADP
ejge-8198	92	102	order	order	NOUN
ejge-8198	92	103	to	to	PART
ejge-8198	92	104	estimate	estimate	VERB
ejge-8198	92	105	the	the	DET
ejge-8198	92	106	willingness	willingness	NOUN
ejge-8198	92	107	to	to	PART
ejge-8198	92	108	accept	accept	VERB
ejge-8198	92	109	/	/	SYM
ejge-8198	92	110	collect	collect	VERB
ejge-8198	92	111	loans	loan	NOUN
ejge-8198	92	112	by	by	ADP
ejge-8198	92	113	women	woman	NOUN
ejge-8198	92	114	entrepreneurs	entrepreneur	NOUN
ejge-8198	92	115	,	,	PUNCT
ejge-8198	92	116	this	this	DET
ejge-8198	92	117	study	study	NOUN
ejge-8198	92	118	will	will	AUX
ejge-8198	92	119	adopt	adopt	VERB
ejge-8198	92	120	the	the	DET
ejge-8198	92	121	logit	logit	PROPN
ejge-8198	92	122	regression	regression	NOUN
ejge-8198	92	123	framework	framework	NOUN
ejge-8198	92	124	,	,	PUNCT
ejge-8198	92	125	which	which	PRON
ejge-8198	92	126	was	be	AUX
ejge-8198	92	127	specified	specify	VERB
ejge-8198	92	128	by	by	ADP
ejge-8198	92	129	epo	epo	PROPN
ejge-8198	92	130	(	(	PUNCT
ejge-8198	92	131	2012	2012	NUM
ejge-8198	92	132	)	)	PUNCT
ejge-8198	92	133	.	.	PUNCT
ejge-8198	93	1	according	accord	VERB
ejge-8198	93	2	to	to	ADP
ejge-8198	93	3	epo	epo	PROPN
ejge-8198	93	4	(	(	PUNCT
ejge-8198	93	5	2012	2012	NUM
ejge-8198	93	6	)	)	PUNCT
ejge-8198	93	7	,	,	PUNCT
ejge-8198	93	8	assume	assume	VERB
ejge-8198	93	9	that	that	SCONJ
ejge-8198	93	10	the	the	DET
ejge-8198	93	11	probability	probability	NOUN
ejge-8198	93	12	of	of	ADP
ejge-8198	93	13	being	be	AUX
ejge-8198	93	14	a	a	DET
ejge-8198	93	15	local	local	ADJ
ejge-8198	93	16	female	female	ADJ
ejge-8198	93	17	entrepreneur	entrepreneur	NOUN
ejge-8198	93	18	is	be	AUX
ejge-8198	93	19	determined	determine	VERB
ejge-8198	93	20	by	by	ADP
ejge-8198	93	21	an	an	DET
ejge-8198	93	22	underlying	underlie	VERB
ejge-8198	93	23	response	response	NOUN
ejge-8198	93	24	variable	variable	NOUN
ejge-8198	93	25	that	that	PRON
ejge-8198	93	26	captures	capture	VERB
ejge-8198	93	27	the	the	DET
ejge-8198	93	28	economic	economic	ADJ
ejge-8198	93	29	activity	activity	NOUN
ejge-8198	93	30	undertaken	undertake	VERB
ejge-8198	93	31	by	by	ADP
ejge-8198	93	32	an	an	DET
ejge-8198	93	33	individual	individual	NOUN
ejge-8198	93	34	.	.	PUNCT
ejge-8198	94	1	3	3	X
ejge-8198	94	2	.	.	X
ejge-8198	94	3	methodology	methodology	NOUN
ejge-8198	94	4	3.1	3.1	NUM
ejge-8198	94	5	population	population	NOUN
ejge-8198	94	6	of	of	ADP
ejge-8198	94	7	the	the	DET
ejge-8198	94	8	study	study	NOUN
ejge-8198	94	9	there	there	PRON
ejge-8198	94	10	is	be	VERB
ejge-8198	94	11	no	no	DET
ejge-8198	94	12	specific	specific	ADJ
ejge-8198	94	13	data	datum	NOUN
ejge-8198	94	14	to	to	PART
ejge-8198	94	15	determine	determine	VERB
ejge-8198	94	16	the	the	DET
ejge-8198	94	17	number	number	NOUN
ejge-8198	94	18	of	of	ADP
ejge-8198	94	19	female	female	ADJ
ejge-8198	94	20	entrepreneurs	entrepreneur	NOUN
ejge-8198	94	21	in	in	ADP
ejge-8198	94	22	kano	kano	PROPN
ejge-8198	94	23	state	state	PROPN
ejge-8198	94	24	at	at	ADP
ejge-8198	94	25	large	large	ADJ
ejge-8198	94	26	and	and	CCONJ
ejge-8198	94	27	how	how	SCONJ
ejge-8198	94	28	many	many	ADJ
ejge-8198	94	29	are	be	AUX
ejge-8198	94	30	within	within	ADP
ejge-8198	94	31	the	the	DET
ejge-8198	94	32	kano	kano	PROPN
ejge-8198	94	33	municipal	municipal	NOUN
ejge-8198	94	34	.	.	PUNCT
ejge-8198	95	1	this	this	DET
ejge-8198	95	2	study	study	NOUN
ejge-8198	95	3	focuses	focus	VERB
ejge-8198	95	4	on	on	ADP
ejge-8198	95	5	women	woman	NOUN
ejge-8198	95	6	entrepreneurs	entrepreneur	NOUN
ejge-8198	95	7	in	in	ADP
ejge-8198	95	8	kano	kano	PROPN
ejge-8198	95	9	metropolitan	metropolitan	PROPN
ejge-8198	95	10	areas	area	NOUN
ejge-8198	95	11	,	,	PUNCT
ejge-8198	95	12	namely	namely	ADV
ejge-8198	95	13	fagge	fagge	NOUN
ejge-8198	95	14	,	,	PUNCT
ejge-8198	95	15	dala	dala	PROPN
ejge-8198	95	16	,	,	PUNCT
ejge-8198	95	17	gwale	gwale	PROPN
ejge-8198	95	18	,	,	PUNCT
ejge-8198	95	19	tarauni	tarauni	PROPN
ejge-8198	95	20	,	,	PUNCT
ejge-8198	95	21	nassarawa	nassarawa	PROPN
ejge-8198	95	22	,	,	PUNCT
ejge-8198	95	23	kumbotso	kumbotso	PROPN
ejge-8198	95	24	,	,	PUNCT
ejge-8198	95	25	ungogo	ungogo	NOUN
ejge-8198	95	26	and	and	CCONJ
ejge-8198	95	27	kano	kano	PROPN
ejge-8198	95	28	municipal	municipal	PROPN
ejge-8198	95	29	.	.	PUNCT
ejge-8198	96	1	3.2	3.2	NUM
ejge-8198	96	2	sample	sample	NOUN
ejge-8198	96	3	size	size	NOUN
ejge-8198	96	4	since	since	SCONJ
ejge-8198	96	5	the	the	DET
ejge-8198	96	6	exact	exact	ADJ
ejge-8198	96	7	number	number	NOUN
ejge-8198	96	8	of	of	ADP
ejge-8198	96	9	women	woman	NOUN
ejge-8198	96	10	entrepreneurs	entrepreneur	NOUN
ejge-8198	96	11	is	be	AUX
ejge-8198	96	12	not	not	PART
ejge-8198	96	13	known	know	VERB
ejge-8198	96	14	,	,	PUNCT
ejge-8198	96	15	the	the	DET
ejge-8198	96	16	study	study	NOUN
ejge-8198	96	17	does	do	AUX
ejge-8198	96	18	not	not	PART
ejge-8198	96	19	have	have	VERB
ejge-8198	96	20	a	a	DET
ejge-8198	96	21	sample	sample	NOUN
ejge-8198	96	22	frame	frame	NOUN
ejge-8198	96	23	.	.	PUNCT
ejge-8198	97	1	since	since	SCONJ
ejge-8198	97	2	there	there	PRON
ejge-8198	97	3	is	be	VERB
ejge-8198	97	4	an	an	DET
ejge-8198	97	5	absence	absence	NOUN
ejge-8198	97	6	of	of	ADP
ejge-8198	97	7	a	a	DET
ejge-8198	97	8	sample	sample	NOUN
ejge-8198	97	9	frame	frame	NOUN
ejge-8198	97	10	,	,	PUNCT
ejge-8198	97	11	the	the	DET
ejge-8198	97	12	study	study	NOUN
ejge-8198	97	13	used	use	VERB
ejge-8198	97	14	the	the	DET
ejge-8198	97	15	standard	standard	ADJ
ejge-8198	97	16	deviation	deviation	NOUN
ejge-8198	97	17	technique	technique	NOUN
ejge-8198	97	18	to	to	PART
ejge-8198	97	19	estimate	estimate	VERB
ejge-8198	97	20	the	the	DET
ejge-8198	97	21	sample	sample	NOUN
ejge-8198	97	22	size	size	NOUN
ejge-8198	97	23	of	of	ADP
ejge-8198	97	24	the	the	DET
ejge-8198	97	25	study	study	NOUN
ejge-8198	97	26	.	.	PUNCT
ejge-8198	98	1	the	the	DET
ejge-8198	98	2	sample	sample	NOUN
ejge-8198	98	3	size	size	NOUN
ejge-8198	98	4	determination	determination	NOUN
ejge-8198	98	5	formula	formula	NOUN
ejge-8198	98	6	is	be	AUX
ejge-8198	98	7	given	give	VERB
ejge-8198	98	8	as	as	ADP
ejge-8198	98	9	:	:	PUNCT
ejge-8198	98	10	𝑆𝑆	𝑆𝑆	PROPN
ejge-8198	98	11	=	=	SYM
ejge-8198	98	12	(	(	PUNCT
ejge-8198	98	13	𝑍𝑍𝑠𝑠𝑠𝑠𝑠𝑠𝑠𝑠𝑠𝑠)2	𝑍𝑍𝑠𝑠𝑠𝑠𝑠𝑠𝑠𝑠𝑠𝑠)2	PROPN
ejge-8198	99	1	+	+	CCONJ
ejge-8198	99	2	𝛿𝛿(1	𝛿𝛿(1	PROPN
ejge-8198	99	3	−	−	PROPN
ejge-8198	99	4	𝛿𝛿)/(𝑀𝑀𝑀𝑀𝑀𝑀𝑀𝑀𝑀𝑀𝑀𝑀	𝛿𝛿)/(𝑀𝑀𝑀𝑀𝑀𝑀𝑀𝑀𝑀𝑀𝑀𝑀	NUM
ejge-8198	99	5	𝑜𝑜𝑜𝑜	𝑜𝑜𝑜𝑜	NOUN
ejge-8198	99	6	𝑒𝑒𝑀𝑀𝑀𝑀𝑜𝑜𝑀𝑀)2	𝑒𝑒𝑀𝑀𝑀𝑀𝑜𝑜𝑀𝑀)2	NOUN
ejge-8198	99	7	given	give	VERB
ejge-8198	99	8	;	;	PUNCT
ejge-8198	99	9	90	90	NUM
ejge-8198	99	10	%	%	NOUN
ejge-8198	99	11	confidence	confidence	NOUN
ejge-8198	99	12	interval	interval	NOUN
ejge-8198	99	13	,	,	PUNCT
ejge-8198	99	14	0.5	0.5	NUM
ejge-8198	99	15	standard	standard	ADJ
ejge-8198	99	16	deviation	deviation	NOUN
ejge-8198	99	17	and	and	CCONJ
ejge-8198	99	18	margin	margin	NOUN
ejge-8198	99	19	error	error	NOUN
ejge-8198	99	20	of	of	ADP
ejge-8198	99	21	0.05	0.05	NUM
ejge-8198	99	22	.	.	PUNCT
ejge-8198	100	1	𝑆𝑆	𝑆𝑆	PROPN
ejge-8198	100	2	=	=	PRON
ejge-8198	100	3	(	(	PUNCT
ejge-8198	100	4	1.645)2𝑋𝑋0.5(1.05)/(0.05)2	1.645)2𝑋𝑋0.5(1.05)/(0.05)2	NUM
ejge-8198	100	5	2.706	2.706	NUM
ejge-8198	100	6	x	x	SYM
ejge-8198	100	7	0.25	0.25	NUM
ejge-8198	100	8	0.0025	0.0025	NUM
ejge-8198	100	9	0.6765	0.6765	NUM
ejge-8198	100	10	0.0025	0.0025	NUM
ejge-8198	100	11	=	=	NUM
ejge-8198	100	12	270.6	270.6	NUM
ejge-8198	100	13	however	however	ADV
ejge-8198	100	14	,	,	PUNCT
ejge-8198	100	15	because	because	SCONJ
ejge-8198	100	16	of	of	ADP
ejge-8198	100	17	the	the	DET
ejge-8198	100	18	problem	problem	NOUN
ejge-8198	100	19	of	of	ADP
ejge-8198	100	20	non	non	ADJ
ejge-8198	100	21	-	-	ADJ
ejge-8198	100	22	response	response	ADJ
ejge-8198	100	23	bias	bias	NOUN
ejge-8198	100	24	(	(	PUNCT
ejge-8198	100	25	danlami	danlami	NOUN
ejge-8198	100	26	,	,	PUNCT
ejge-8198	100	27	2017	2017	NUM
ejge-8198	101	1	;	;	PUNCT
ejge-8198	101	2	danlami	danlami	PROPN
ejge-8198	101	3	et	et	PROPN
ejge-8198	101	4	al	al	PROPN
ejge-8198	101	5	.	.	PROPN
ejge-8198	101	6	,	,	PUNCT
ejge-8198	101	7	2018	2018	NUM
ejge-8198	101	8	)	)	PUNCT
ejge-8198	101	9	a	a	DET
ejge-8198	101	10	total	total	NOUN
ejge-8198	101	11	of	of	ADP
ejge-8198	101	12	400	400	NUM
ejge-8198	101	13	questionnaires	questionnaire	NOUN
ejge-8198	101	14	were	be	AUX
ejge-8198	101	15	distributed	distribute	VERB
ejge-8198	101	16	3.3	3.3	NUM
ejge-8198	101	17	sampling	sampling	NOUN
ejge-8198	101	18	technique	technique	NOUN
ejge-8198	101	19	the	the	DET
ejge-8198	101	20	study	study	NOUN
ejge-8198	101	21	used	use	VERB
ejge-8198	101	22	multi	multi	ADJ
ejge-8198	101	23	-	-	ADJ
ejge-8198	101	24	stage	stage	ADJ
ejge-8198	101	25	sampling	sampling	NOUN
ejge-8198	101	26	technique	technique	NOUN
ejge-8198	101	27	as	as	SCONJ
ejge-8198	101	28	used	use	VERB
ejge-8198	101	29	by	by	ADP
ejge-8198	101	30	some	some	DET
ejge-8198	101	31	previous	previous	ADJ
ejge-8198	101	32	studies	study	NOUN
ejge-8198	101	33	(	(	PUNCT
ejge-8198	101	34	danlami	danlami	NOUN
ejge-8198	101	35	,	,	PUNCT
ejge-8198	101	36	2019	2019	NUM
ejge-8198	101	37	;	;	PUNCT
ejge-8198	101	38	kofarmata	kofarmata	PROPN
ejge-8198	101	39	&	&	CCONJ
ejge-8198	101	40	danlami	danlami	PROPN
ejge-8198	101	41	,	,	PUNCT
ejge-8198	101	42	2019	2019	NUM
ejge-8198	101	43	;	;	PUNCT
ejge-8198	101	44	danlami	danlami	PROPN
ejge-8198	101	45	&	&	CCONJ
ejge-8198	101	46	islam	islam	PROPN
ejge-8198	101	47	,	,	PUNCT
ejge-8198	101	48	2020	2020	NUM
ejge-8198	101	49	;	;	PUNCT
ejge-8198	101	50	tsauni	tsauni	NOUN
ejge-8198	101	51	&	&	CCONJ
ejge-8198	101	52	danlami	danlami	PROPN
ejge-8198	101	53	,	,	PUNCT
ejge-8198	101	54	2016	2016	NUM
ejge-8198	101	55	)	)	PUNCT
ejge-8198	101	56	.	.	PUNCT
ejge-8198	102	1	the	the	DET
ejge-8198	102	2	a.	a.	PROPN
ejge-8198	102	3	h.	h.	PROPN
ejge-8198	102	4	danlami	danlami	PROPN
ejge-8198	102	5	and	and	CCONJ
ejge-8198	102	6	r.	r.	PROPN
ejge-8198	102	7	bashir	bashir	PROPN
ejge-8198	102	8	/	/	SYM
ejge-8198	102	9	european	european	PROPN
ejge-8198	102	10	journal	journal	PROPN
ejge-8198	102	11	of	of	ADP
ejge-8198	102	12	government	government	NOUN
ejge-8198	102	13	and	and	CCONJ
ejge-8198	102	14	economics	economic	NOUN
ejge-8198	102	15	11(1	11(1	NUM
ejge-8198	102	16	)	)	PUNCT
ejge-8198	102	17	,	,	PUNCT
ejge-8198	102	18	june	june	PROPN
ejge-8198	102	19	2022	2022	NUM
ejge-8198	102	20	,	,	PUNCT
ejge-8198	102	21	97	97	NUM
ejge-8198	102	22	-	-	SYM
ejge-8198	102	23	112	112	NUM
ejge-8198	102	24	103	103	NUM
ejge-8198	102	25	proportion	proportion	NOUN
ejge-8198	102	26	of	of	ADP
ejge-8198	102	27	each	each	DET
ejge-8198	102	28	segment	segment	NOUN
ejge-8198	102	29	is	be	AUX
ejge-8198	102	30	calculated	calculate	VERB
ejge-8198	102	31	,	,	PUNCT
ejge-8198	102	32	and	and	CCONJ
ejge-8198	102	33	the	the	DET
ejge-8198	102	34	questionnaires	questionnaire	NOUN
ejge-8198	102	35	will	will	AUX
ejge-8198	102	36	be	be	AUX
ejge-8198	102	37	divided	divide	VERB
ejge-8198	102	38	on	on	ADP
ejge-8198	102	39	the	the	DET
ejge-8198	102	40	bases	basis	NOUN
ejge-8198	102	41	of	of	ADP
ejge-8198	102	42	such	such	ADJ
ejge-8198	102	43	proportion	proportion	NOUN
ejge-8198	102	44	estimated	estimate	VERB
ejge-8198	102	45	in	in	ADP
ejge-8198	102	46	each	each	DET
ejge-8198	102	47	segment	segment	NOUN
ejge-8198	102	48	,	,	PUNCT
ejge-8198	102	49	and	and	CCONJ
ejge-8198	102	50	a	a	DET
ejge-8198	102	51	cluster	cluster	NOUN
ejge-8198	102	52	sample	sample	NOUN
ejge-8198	102	53	using	use	VERB
ejge-8198	102	54	multi	multi	ADJ
ejge-8198	102	55	-	-	ADJ
ejge-8198	102	56	stage	stage	ADJ
ejge-8198	102	57	random	random	ADJ
ejge-8198	102	58	sampling	sampling	NOUN
ejge-8198	102	59	will	will	AUX
ejge-8198	102	60	be	be	AUX
ejge-8198	102	61	used	use	VERB
ejge-8198	102	62	to	to	PART
ejge-8198	102	63	select	select	VERB
ejge-8198	102	64	the	the	DET
ejge-8198	102	65	respondents	respondent	NOUN
ejge-8198	102	66	from	from	ADP
ejge-8198	102	67	each	each	DET
ejge-8198	102	68	segment	segment	NOUN
ejge-8198	102	69	comprising	comprise	VERB
ejge-8198	102	70	the	the	DET
ejge-8198	102	71	number	number	NOUN
ejge-8198	102	72	of	of	ADP
ejge-8198	102	73	women	woman	NOUN
ejge-8198	102	74	entrepreneurs	entrepreneur	NOUN
ejge-8198	102	75	in	in	ADP
ejge-8198	102	76	kano	kano	PROPN
ejge-8198	102	77	metropolitan	metropolitan	PROPN
ejge-8198	102	78	,	,	PUNCT
ejge-8198	102	79	kano	kano	PROPN
ejge-8198	102	80	state	state	PROPN
ejge-8198	102	81	.	.	PUNCT
ejge-8198	103	1	this	this	DET
ejge-8198	103	2	sampling	sampling	NOUN
ejge-8198	103	3	technique	technique	NOUN
ejge-8198	103	4	is	be	AUX
ejge-8198	103	5	employed	employ	VERB
ejge-8198	103	6	because	because	SCONJ
ejge-8198	103	7	it	it	PRON
ejge-8198	103	8	has	have	VERB
ejge-8198	103	9	two	two	NUM
ejge-8198	103	10	advantages	advantage	NOUN
ejge-8198	103	11	viz	viz	VERB
ejge-8198	103	12	:	:	PUNCT
ejge-8198	103	13	(	(	PUNCT
ejge-8198	103	14	a	a	X
ejge-8198	103	15	)	)	PUNCT
ejge-8198	103	16	it	it	PRON
ejge-8198	103	17	is	be	AUX
ejge-8198	103	18	easier	easy	ADJ
ejge-8198	103	19	to	to	PART
ejge-8198	103	20	administer	administer	VERB
ejge-8198	103	21	than	than	ADP
ejge-8198	103	22	most	most	ADJ
ejge-8198	103	23	single	single	ADJ
ejge-8198	103	24	-	-	PUNCT
ejge-8198	103	25	stage	stage	NOUN
ejge-8198	103	26	designs	design	NOUN
ejge-8198	103	27	mainly	mainly	ADV
ejge-8198	103	28	because	because	SCONJ
ejge-8198	103	29	of	of	ADP
ejge-8198	103	30	the	the	DET
ejge-8198	103	31	fact	fact	NOUN
ejge-8198	103	32	that	that	SCONJ
ejge-8198	103	33	sampling	sample	VERB
ejge-8198	103	34	frame	frame	NOUN
ejge-8198	103	35	under	under	ADP
ejge-8198	103	36	multi	multi	ADJ
ejge-8198	103	37	-	-	ADJ
ejge-8198	103	38	stage	stage	ADJ
ejge-8198	103	39	sampling	sampling	NOUN
ejge-8198	103	40	is	be	AUX
ejge-8198	103	41	developed	develop	VERB
ejge-8198	103	42	in	in	ADP
ejge-8198	103	43	partial	partial	ADJ
ejge-8198	103	44	units	unit	NOUN
ejge-8198	103	45	.	.	PUNCT
ejge-8198	104	1	(	(	PUNCT
ejge-8198	104	2	b	b	X
ejge-8198	104	3	)	)	PUNCT
ejge-8198	104	4	a	a	DET
ejge-8198	104	5	large	large	ADJ
ejge-8198	104	6	number	number	NOUN
ejge-8198	104	7	of	of	ADP
ejge-8198	104	8	units	unit	NOUN
ejge-8198	104	9	can	can	AUX
ejge-8198	104	10	be	be	AUX
ejge-8198	104	11	sampled	sample	VERB
ejge-8198	104	12	for	for	ADP
ejge-8198	104	13	a	a	DET
ejge-8198	104	14	given	give	VERB
ejge-8198	104	15	cost	cost	NOUN
ejge-8198	104	16	under	under	ADP
ejge-8198	104	17	multistage	multistage	NOUN
ejge-8198	104	18	sampling	sampling	NOUN
ejge-8198	104	19	because	because	SCONJ
ejge-8198	104	20	of	of	ADP
ejge-8198	104	21	sequential	sequential	ADJ
ejge-8198	104	22	clustering	clustering	NOUN
ejge-8198	104	23	,	,	PUNCT
ejge-8198	104	24	whereas	whereas	SCONJ
ejge-8198	104	25	this	this	PRON
ejge-8198	104	26	is	be	AUX
ejge-8198	104	27	not	not	PART
ejge-8198	104	28	possible	possible	ADJ
ejge-8198	104	29	in	in	ADP
ejge-8198	104	30	most	most	ADJ
ejge-8198	104	31	of	of	ADP
ejge-8198	104	32	the	the	DET
ejge-8198	104	33	simple	simple	ADJ
ejge-8198	104	34	designs	design	NOUN
ejge-8198	104	35	(	(	PUNCT
ejge-8198	104	36	kothari	kothari	PROPN
ejge-8198	104	37	2004	2004	NUM
ejge-8198	104	38	)	)	PUNCT
ejge-8198	104	39	.	.	PUNCT
ejge-8198	105	1	3.4	3.4	NUM
ejge-8198	105	2	method	method	NOUN
ejge-8198	105	3	of	of	ADP
ejge-8198	105	4	data	datum	NOUN
ejge-8198	105	5	analysis	analysis	NOUN
ejge-8198	105	6	to	to	PART
ejge-8198	105	7	examine	examine	VERB
ejge-8198	105	8	how	how	SCONJ
ejge-8198	105	9	collateral	collateral	ADJ
ejge-8198	105	10	requirements	requirement	NOUN
ejge-8198	105	11	and	and	CCONJ
ejge-8198	105	12	interest	interest	NOUN
ejge-8198	105	13	rate	rate	NOUN
ejge-8198	105	14	affects	affect	VERB
ejge-8198	105	15	women	woman	NOUN
ejge-8198	105	16	entrepreneurs	entrepreneur	NOUN
ejge-8198	105	17	'	'	PART
ejge-8198	105	18	access	access	NOUN
ejge-8198	105	19	to	to	ADP
ejge-8198	105	20	credit	credit	NOUN
ejge-8198	105	21	facilities	facility	NOUN
ejge-8198	105	22	in	in	ADP
ejge-8198	105	23	kano	kano	PROPN
ejge-8198	105	24	metropolis	metropolis	PROPN
ejge-8198	105	25	.	.	PUNCT
ejge-8198	106	1	the	the	DET
ejge-8198	106	2	study	study	NOUN
ejge-8198	106	3	will	will	AUX
ejge-8198	106	4	also	also	ADV
ejge-8198	106	5	employ	employ	VERB
ejge-8198	106	6	the	the	DET
ejge-8198	106	7	binary	binary	PROPN
ejge-8198	106	8	logit	logit	PROPN
ejge-8198	106	9	model	model	NOUN
ejge-8198	106	10	for	for	ADP
ejge-8198	106	11	this	this	PRON
ejge-8198	106	12	.	.	PUNCT
ejge-8198	107	1	following	follow	VERB
ejge-8198	107	2	danlami	danlami	PROPN
ejge-8198	107	3	et	et	PROPN
ejge-8198	107	4	al	al	PROPN
ejge-8198	107	5	.	.	PROPN
ejge-8198	108	1	(	(	PUNCT
ejge-8198	108	2	2017	2017	NUM
ejge-8198	108	3	)	)	PUNCT
ejge-8198	108	4	the	the	DET
ejge-8198	108	5	empirical	empirical	ADJ
ejge-8198	108	6	model	model	NOUN
ejge-8198	108	7	can	can	AUX
ejge-8198	108	8	be	be	AUX
ejge-8198	108	9	derived	derive	VERB
ejge-8198	108	10	as	as	ADP
ejge-8198	108	11	;	;	PUNCT
ejge-8198	108	12	𝑃𝑃	𝑃𝑃	PROPN
ejge-8198	108	13	=	=	SYM
ejge-8198	108	14	𝐸𝐸	𝐸𝐸	PROPN
ejge-8198	108	15	�	�	PROPN
ejge-8198	108	16	𝑌𝑌	𝑌𝑌	PROPN
ejge-8198	108	17	=	=	SYM
ejge-8198	108	18	1	1	NUM
ejge-8198	108	19	𝑋𝑋𝑖𝑖	𝑋𝑋𝑖𝑖	PROPN
ejge-8198	108	20	�	�	PROPN
ejge-8198	108	21	=	=	NOUN
ejge-8198	108	22	1	1	NUM
ejge-8198	108	23	1+𝑠𝑠−	1+𝑠𝑠−	NUM
ejge-8198	108	24	�	�	PROPN
ejge-8198	108	25	𝐵𝐵𝑖𝑖+𝐵𝐵2𝑋𝑋𝑖𝑖	𝐵𝐵𝑖𝑖+𝐵𝐵2𝑋𝑋𝑖𝑖	NOUN
ejge-8198	108	26	�	�	PROPN
ejge-8198	109	1	[	[	X
ejge-8198	109	2	1	1	NUM
ejge-8198	109	3	]	]	PUNCT
ejge-8198	109	4	𝑀𝑀𝑜𝑜	𝑀𝑀𝑜𝑜	PROPN
ejge-8198	109	5	𝑧𝑧	𝑧𝑧	X
ejge-8198	109	6	=	=	PROPN
ejge-8198	109	7	𝛽𝛽1	𝛽𝛽1	PROPN
ejge-8198	109	8	+	+	X
ejge-8198	109	9	𝛽𝛽2𝑋𝑋𝑖𝑖then	𝛽𝛽2𝑋𝑋𝑖𝑖then	PROPN
ejge-8198	109	10	;	;	PUNCT
ejge-8198	109	11	𝑃𝑃𝑀𝑀	𝑃𝑃𝑀𝑀	PROPN
ejge-8198	109	12	=	=	NOUN
ejge-8198	109	13	1	1	NUM
ejge-8198	109	14	1	1	NUM
ejge-8198	109	15	+	+	NUM
ejge-8198	109	16	𝑠𝑠−𝑍𝑍𝑖𝑖	𝑠𝑠−𝑍𝑍𝑖𝑖	NOUN
ejge-8198	109	17	=	=	X
ejge-8198	109	18	𝑠𝑠𝑧𝑧	𝑠𝑠𝑧𝑧	VERB
ejge-8198	109	19	1+𝑠𝑠𝑧𝑧	1+𝑠𝑠𝑧𝑧	NOUN
ejge-8198	110	1	[	[	X
ejge-8198	110	2	2	2	X
ejge-8198	110	3	]	]	X
ejge-8198	110	4	if	if	SCONJ
ejge-8198	110	5	p	p	NOUN
ejge-8198	110	6	represents	represent	VERB
ejge-8198	110	7	the	the	DET
ejge-8198	110	8	probability	probability	NOUN
ejge-8198	110	9	of	of	ADP
ejge-8198	110	10	occurrence	occurrence	NOUN
ejge-8198	110	11	(	(	PUNCT
ejge-8198	110	12	say	say	VERB
ejge-8198	110	13	if	if	SCONJ
ejge-8198	110	14	the	the	DET
ejge-8198	110	15	respondent	respondent	NOUN
ejge-8198	110	16	had	have	AUX
ejge-8198	110	17	collected	collect	VERB
ejge-8198	110	18	a	a	DET
ejge-8198	110	19	loan	loan	NOUN
ejge-8198	110	20	or	or	CCONJ
ejge-8198	110	21	not	not	PART
ejge-8198	110	22	)	)	PUNCT
ejge-8198	110	23	,	,	PUNCT
ejge-8198	110	24	the	the	DET
ejge-8198	110	25	probability	probability	NOUN
ejge-8198	110	26	of	of	ADP
ejge-8198	110	27	not	not	PART
ejge-8198	110	28	occurrence	occurrence	NOUN
ejge-8198	110	29	can	can	AUX
ejge-8198	110	30	be	be	AUX
ejge-8198	110	31	expressed	express	VERB
ejge-8198	110	32	as	as	ADP
ejge-8198	110	33	:	:	PUNCT
ejge-8198	110	34	1	1	NUM
ejge-8198	110	35	−	−	PROPN
ejge-8198	110	36	𝑃𝑃𝑀𝑀	𝑃𝑃𝑀𝑀	NOUN
ejge-8198	110	37	=	=	NOUN
ejge-8198	110	38	1	1	NUM
ejge-8198	110	39	1+𝑠𝑠𝑧𝑧𝑖𝑖	1+𝑠𝑠𝑧𝑧𝑖𝑖	NOUN
ejge-8198	111	1	[	[	X
ejge-8198	111	2	3	3	NUM
ejge-8198	111	3	]	]	PUNCT
ejge-8198	111	4	hence	hence	ADV
ejge-8198	111	5	the	the	DET
ejge-8198	111	6	odds	odd	NOUN
ejge-8198	111	7	ratio	ratio	NOUN
ejge-8198	111	8	between	between	ADP
ejge-8198	111	9	the	the	DET
ejge-8198	111	10	probabilities	probability	NOUN
ejge-8198	111	11	of	of	ADP
ejge-8198	111	12	occurrence	occurrence	NOUN
ejge-8198	111	13	and	and	CCONJ
ejge-8198	111	14	non	non	ADJ
ejge-8198	111	15	-	-	NOUN
ejge-8198	111	16	occurrence	occurrence	NOUN
ejge-8198	111	17	can	can	AUX
ejge-8198	111	18	be	be	AUX
ejge-8198	111	19	expressed	express	VERB
ejge-8198	111	20	as	as	ADP
ejge-8198	111	21	:	:	PUNCT
ejge-8198	111	22	pi	pi	PROPN
ejge-8198	111	23	1−pi	1−pi	NUM
ejge-8198	112	1	=	=	SYM
ejge-8198	112	2	1	1	NUM
ejge-8198	112	3	+	+	NUM
ejge-8198	112	4	ezi	ezi	NOUN
ejge-8198	112	5	1+e−zi	1+e−zi	NUM
ejge-8198	112	6	=	=	SYM
ejge-8198	112	7	ezi	ezi	NOUN
ejge-8198	113	1	[	[	X
ejge-8198	113	2	4	4	NUM
ejge-8198	113	3	]	]	PUNCT
ejge-8198	113	4	where	where	SCONJ
ejge-8198	113	5	:	:	PUNCT
ejge-8198	113	6	pi	pi	PROPN
ejge-8198	113	7	1−pi	1−pi	NUM
ejge-8198	113	8	represents	represent	VERB
ejge-8198	113	9	the	the	DET
ejge-8198	113	10	odds	odd	NOUN
ejge-8198	113	11	ratio	ratio	NOUN
ejge-8198	113	12	of	of	ADP
ejge-8198	113	13	if	if	SCONJ
ejge-8198	113	14	the	the	DET
ejge-8198	113	15	respondent	respondent	NOUN
ejge-8198	113	16	had	have	AUX
ejge-8198	113	17	collected	collect	VERB
ejge-8198	113	18	loan	loan	NOUN
ejge-8198	113	19	.	.	PUNCT
ejge-8198	114	1	that	that	PRON
ejge-8198	114	2	is	be	AUX
ejge-8198	114	3	the	the	DET
ejge-8198	114	4	ratio	ratio	NOUN
ejge-8198	114	5	of	of	ADP
ejge-8198	114	6	the	the	DET
ejge-8198	114	7	probability	probability	NOUN
ejge-8198	114	8	that	that	SCONJ
ejge-8198	114	9	a	a	DET
ejge-8198	114	10	female	female	ADJ
ejge-8198	114	11	entrepreneur	entrepreneur	NOUN
ejge-8198	114	12	had	have	AUX
ejge-8198	114	13	once	once	ADV
ejge-8198	114	14	collected	collect	VERB
ejge-8198	114	15	a	a	DET
ejge-8198	114	16	loan	loan	NOUN
ejge-8198	114	17	to	to	ADP
ejge-8198	114	18	the	the	DET
ejge-8198	114	19	probability	probability	NOUN
ejge-8198	114	20	of	of	ADP
ejge-8198	114	21	otherwise	otherwise	ADV
ejge-8198	114	22	.	.	PUNCT
ejge-8198	115	1	taking	take	VERB
ejge-8198	115	2	the	the	DET
ejge-8198	115	3	natural	natural	ADJ
ejge-8198	115	4	log	log	NOUN
ejge-8198	115	5	of	of	ADP
ejge-8198	115	6	equation	equation	NOUN
ejge-8198	115	7	(	(	PUNCT
ejge-8198	115	8	4	4	X
ejge-8198	115	9	)	)	PUNCT
ejge-8198	115	10	we	we	PRON
ejge-8198	115	11	obtained	obtain	VERB
ejge-8198	115	12	the	the	DET
ejge-8198	115	13	following	following	ADJ
ejge-8198	115	14	expression	expression	NOUN
ejge-8198	115	15	as	as	ADP
ejge-8198	115	16	:	:	PUNCT
ejge-8198	115	17	𝐿𝐿𝑖𝑖	𝐿𝐿𝑖𝑖	PROPN
ejge-8198	115	18	=	=	PUNCT
ejge-8198	115	19	𝑙𝑙𝑀𝑀	𝑙𝑙𝑀𝑀	PROPN
ejge-8198	115	20	�	�	PROPN
ejge-8198	115	21	𝑃𝑃𝑖𝑖	𝑃𝑃𝑖𝑖	PROPN
ejge-8198	115	22	1−𝑃𝑃𝑖𝑖	1−𝑃𝑃𝑖𝑖	NUM
ejge-8198	115	23	�	�	NOUN
ejge-8198	115	24	=	=	SYM
ejge-8198	115	25	𝑍𝑍	𝑍𝑍	PROPN
ejge-8198	115	26	=	=	SYM
ejge-8198	115	27	𝛽𝛽1	𝛽𝛽1	PROPN
ejge-8198	115	28	+	+	CCONJ
ejge-8198	115	29	𝛽𝛽2𝑋𝑋𝑖𝑖	𝛽𝛽2𝑋𝑋𝑖𝑖	NOUN
ejge-8198	115	30	[	[	X
ejge-8198	115	31	5	5	NUM
ejge-8198	115	32	]	]	PUNCT
ejge-8198	115	33	where	where	SCONJ
ejge-8198	115	34	l	l	NOUN
ejge-8198	115	35	means	mean	VERB
ejge-8198	115	36	the	the	DET
ejge-8198	115	37	log	log	NOUN
ejge-8198	115	38	of	of	ADP
ejge-8198	115	39	odds	odd	NOUN
ejge-8198	115	40	ratios	ratio	NOUN
ejge-8198	115	41	,	,	PUNCT
ejge-8198	115	42	equation	equation	NOUN
ejge-8198	115	43	(	(	PUNCT
ejge-8198	115	44	5	5	NUM
ejge-8198	115	45	)	)	PUNCT
ejge-8198	115	46	represents	represent	VERB
ejge-8198	115	47	what	what	PRON
ejge-8198	115	48	is	be	AUX
ejge-8198	115	49	known	know	VERB
ejge-8198	115	50	as	as	ADP
ejge-8198	115	51	the	the	DET
ejge-8198	115	52	logit	logit	PROPN
ejge-8198	115	53	model	model	NOUN
ejge-8198	115	54	,	,	PUNCT
ejge-8198	115	55	which	which	PRON
ejge-8198	115	56	is	be	AUX
ejge-8198	115	57	used	use	VERB
ejge-8198	115	58	when	when	SCONJ
ejge-8198	115	59	the	the	DET
ejge-8198	115	60	defendant	defendant	NOUN
ejge-8198	115	61	variable	variable	NOUN
ejge-8198	115	62	takes	take	VERB
ejge-8198	115	63	a	a	DET
ejge-8198	115	64	binary	binary	ADJ
ejge-8198	115	65	value	value	NOUN
ejge-8198	115	66	;	;	PUNCT
ejge-8198	115	67	0	0	NUM
ejge-8198	115	68	or	or	CCONJ
ejge-8198	115	69	1	1	NUM
ejge-8198	115	70	.	.	PUNCT
ejge-8198	116	1	the	the	DET
ejge-8198	116	2	empirical	empirical	ADJ
ejge-8198	116	3	logit	logit	PROPN
ejge-8198	116	4	model	model	NOUN
ejge-8198	116	5	estimated	estimate	VERB
ejge-8198	116	6	in	in	ADP
ejge-8198	116	7	this	this	DET
ejge-8198	116	8	study	study	NOUN
ejge-8198	116	9	can	can	AUX
ejge-8198	116	10	be	be	AUX
ejge-8198	116	11	expressed	express	VERB
ejge-8198	116	12	as	as	ADP
ejge-8198	116	13	:	:	PUNCT
ejge-8198	116	14	a.	a.	PROPN
ejge-8198	116	15	h.	h.	PROPN
ejge-8198	116	16	danlami	danlami	PROPN
ejge-8198	116	17	and	and	CCONJ
ejge-8198	116	18	r.	r.	PROPN
ejge-8198	116	19	bashir	bashir	PROPN
ejge-8198	116	20	/	/	SYM
ejge-8198	116	21	european	european	PROPN
ejge-8198	116	22	journal	journal	PROPN
ejge-8198	116	23	of	of	ADP
ejge-8198	116	24	government	government	NOUN
ejge-8198	116	25	and	and	CCONJ
ejge-8198	116	26	economics	economic	NOUN
ejge-8198	116	27	11(1	11(1	NUM
ejge-8198	116	28	)	)	PUNCT
ejge-8198	116	29	,	,	PUNCT
ejge-8198	116	30	june	june	PROPN
ejge-8198	116	31	2022	2022	NUM
ejge-8198	116	32	,	,	PUNCT
ejge-8198	116	33	97	97	NUM
ejge-8198	116	34	-	-	SYM
ejge-8198	116	35	112	112	NUM
ejge-8198	116	36	104	104	NUM
ejge-8198	116	37	ln	ln	PROPN
ejge-8198	116	38	�	�	PROPN
ejge-8198	116	39	pi	pi	PROPN
ejge-8198	116	40	1−pi	1−pi	PROPN
ejge-8198	116	41	�	�	PROPN
ejge-8198	116	42	=	=	SYM
ejge-8198	116	43	βo=	βo=	PROPN
ejge-8198	116	44	β0	β0	PROPN
ejge-8198	116	45	+	+	CCONJ
ejge-8198	117	1	β1	β1	PROPN
ejge-8198	117	2	x1	x1	PROPN
ejge-8198	117	3	+	+	PROPN
ejge-8198	117	4	β2	β2	ADJ
ejge-8198	117	5	x2	x2	PROPN
ejge-8198	118	1	+	+	CCONJ
ejge-8198	119	1	β3	β3	ADP
ejge-8198	119	2	x3	x3	VERB
ejge-8198	120	1	+	+	CCONJ
ejge-8198	120	2	β4	β4	PROPN
ejge-8198	120	3	x4	x4	PROPN
ejge-8198	120	4	+	+	PROPN
ejge-8198	120	5	β5	β5	PROPN
ejge-8198	120	6	x5	x5	PROPN
ejge-8198	120	7	+	+	CCONJ
ejge-8198	120	8	β6	β6	PROPN
ejge-8198	120	9	x6	x6	PROPN
ejge-8198	120	10	+	+	CCONJ
ejge-8198	120	11	β7	β7	ADJ
ejge-8198	120	12	x7	x7	NOUN
ejge-8198	121	1	+	+	ADP
ejge-8198	121	2	δi	δi	PRON
ejge-8198	121	3	[	[	X
ejge-8198	121	4	6	6	NUM
ejge-8198	121	5	]	]	X
ejge-8198	121	6	�	�	PROPN
ejge-8198	121	7	pi	pi	PROPN
ejge-8198	121	8	1−pi	1−pi	PROPN
ejge-8198	121	9	�	�	NOUN
ejge-8198	121	10	=	=	SYM
ejge-8198	121	11	collected	collect	VERB
ejge-8198	121	12	loan	loan	NOUN
ejge-8198	121	13	before	before	ADV
ejge-8198	121	14	(	(	PUNCT
ejge-8198	121	15	0	0	NUM
ejge-8198	121	16	have	have	AUX
ejge-8198	121	17	not	not	PART
ejge-8198	121	18	and	and	CCONJ
ejge-8198	121	19	1	1	NUM
ejge-8198	121	20	otherwise	otherwise	ADV
ejge-8198	121	21	)	)	PUNCT
ejge-8198	121	22	βi	βi	PROPN
ejge-8198	122	1	=	=	NOUN
ejge-8198	122	2	coefficients	coefficient	NOUN
ejge-8198	122	3	x1=	x1=	PROPN
ejge-8198	122	4	huge	huge	ADJ
ejge-8198	122	5	collateral	collateral	NOUN
ejge-8198	122	6	x2=	x2=	PUNCT
ejge-8198	122	7	high	high	ADJ
ejge-8198	122	8	interest	interest	NOUN
ejge-8198	122	9	rates	rate	NOUN
ejge-8198	122	10	x3=	x3=	PUNCT
ejge-8198	123	1	accessibility	accessibility	NOUN
ejge-8198	123	2	to	to	ADP
ejge-8198	123	3	financial	financial	ADJ
ejge-8198	123	4	institutions	institution	NOUN
ejge-8198	123	5	x4=	x4=	NOUN
ejge-8198	123	6	age	age	NOUN
ejge-8198	123	7	x5=	x5=	PROPN
ejge-8198	123	8	education	education	NOUN
ejge-8198	123	9	x6=	x6=	PROPN
ejge-8198	123	10	marital	marital	ADJ
ejge-8198	123	11	status	status	NOUN
ejge-8198	123	12	x7	x7	NOUN
ejge-8198	123	13	=	=	SYM
ejge-8198	123	14	local	local	ADJ
ejge-8198	123	15	government	government	NOUN
ejge-8198	123	16	area	area	NOUN
ejge-8198	123	17	δi	δi	NOUN
ejge-8198	123	18	=	=	NOUN
ejge-8198	123	19	error	error	NOUN
ejge-8198	123	20	term	term	NOUN
ejge-8198	123	21	4	4	NUM
ejge-8198	123	22	.	.	PUNCT
ejge-8198	123	23	results	result	VERB
ejge-8198	123	24	the	the	DET
ejge-8198	123	25	demographic	demographic	ADJ
ejge-8198	123	26	and	and	CCONJ
ejge-8198	123	27	socio	socio	NOUN
ejge-8198	123	28	-	-	PUNCT
ejge-8198	123	29	economic	economic	ADJ
ejge-8198	123	30	characteristics	characteristic	NOUN
ejge-8198	123	31	of	of	ADP
ejge-8198	123	32	the	the	DET
ejge-8198	123	33	respondents	respondent	NOUN
ejge-8198	123	34	captured	capture	VERB
ejge-8198	123	35	from	from	ADP
ejge-8198	123	36	the	the	DET
ejge-8198	123	37	study	study	NOUN
ejge-8198	123	38	area	area	NOUN
ejge-8198	123	39	including	include	VERB
ejge-8198	123	40	gender	gender	NOUN
ejge-8198	123	41	distribution	distribution	NOUN
ejge-8198	123	42	,	,	PUNCT
ejge-8198	123	43	age	age	NOUN
ejge-8198	123	44	,	,	PUNCT
ejge-8198	123	45	level	level	NOUN
ejge-8198	123	46	of	of	ADP
ejge-8198	123	47	income	income	NOUN
ejge-8198	123	48	,	,	PUNCT
ejge-8198	123	49	educational	educational	ADJ
ejge-8198	123	50	qualification	qualification	NOUN
ejge-8198	123	51	,	,	PUNCT
ejge-8198	123	52	marital	marital	ADJ
ejge-8198	123	53	status	status	NOUN
ejge-8198	123	54	,	,	PUNCT
ejge-8198	123	55	type	type	NOUN
ejge-8198	123	56	of	of	ADP
ejge-8198	123	57	residence	residence	NOUN
ejge-8198	123	58	,	,	PUNCT
ejge-8198	123	59	household	household	NOUN
ejge-8198	123	60	size	size	NOUN
ejge-8198	123	61	,	,	PUNCT
ejge-8198	123	62	occupational	occupational	ADJ
ejge-8198	123	63	distribution	distribution	NOUN
ejge-8198	123	64	and	and	CCONJ
ejge-8198	123	65	level	level	NOUN
ejge-8198	123	66	of	of	ADP
ejge-8198	123	67	income	income	NOUN
ejge-8198	123	68	of	of	ADP
ejge-8198	123	69	the	the	DET
ejge-8198	123	70	respondents	respondent	NOUN
ejge-8198	123	71	,	,	PUNCT
ejge-8198	123	72	were	be	AUX
ejge-8198	123	73	analyzed	analyze	VERB
ejge-8198	123	74	in	in	ADP
ejge-8198	123	75	this	this	DET
ejge-8198	123	76	section	section	NOUN
ejge-8198	123	77	using	use	VERB
ejge-8198	123	78	the	the	DET
ejge-8198	123	79	simple	simple	ADJ
ejge-8198	123	80	descriptive	descriptive	ADJ
ejge-8198	123	81	statistics	statistic	NOUN
ejge-8198	123	82	analysis	analysis	NOUN
ejge-8198	123	83	.	.	PUNCT
ejge-8198	124	1	table	table	NOUN
ejge-8198	124	2	1	1	NUM
ejge-8198	124	3	.	.	PUNCT
ejge-8198	124	4	demographic	demographic	ADJ
ejge-8198	124	5	and	and	CCONJ
ejge-8198	124	6	socio	socio	NOUN
ejge-8198	124	7	-	-	PUNCT
ejge-8198	124	8	economic	economic	ADJ
ejge-8198	124	9	analysis	analysis	NOUN
ejge-8198	124	10	responses	response	NOUN
ejge-8198	124	11	frequency	frequency	NOUN
ejge-8198	124	12	percentage	percentage	NOUN
ejge-8198	124	13	marital	marital	NOUN
ejge-8198	124	14	-	-	PUNCT
ejge-8198	124	15	status	status	NOUN
ejge-8198	124	16	not	not	PART
ejge-8198	124	17	married	marry	VERB
ejge-8198	124	18	192	192	NUM
ejge-8198	124	19	51.06	51.06	NUM
ejge-8198	124	20	married	marry	VERB
ejge-8198	124	21	184	184	NUM
ejge-8198	124	22	48.94	48.94	NUM
ejge-8198	124	23	education	education	NOUN
ejge-8198	124	24	no	no	DET
ejge-8198	124	25	formal	formal	ADJ
ejge-8198	124	26	education	education	NOUN
ejge-8198	124	27	125	125	NUM
ejge-8198	124	28	33.24	33.24	NUM
ejge-8198	124	29	primary	primary	ADJ
ejge-8198	124	30	level	level	NOUN
ejge-8198	124	31	40	40	NUM
ejge-8198	124	32	10.64	10.64	NUM
ejge-8198	124	33	secondary	secondary	ADJ
ejge-8198	124	34	level	level	NOUN
ejge-8198	124	35	158	158	NUM
ejge-8198	124	36	42.02	42.02	NUM
ejge-8198	124	37	tertiary	tertiary	ADJ
ejge-8198	124	38	level	level	NOUN
ejge-8198	124	39	53	53	NUM
ejge-8198	124	40	14.10	14.10	NUM
ejge-8198	124	41	religion	religion	NOUN
ejge-8198	124	42	muslim	muslim	ADJ
ejge-8198	124	43	281	281	NUM
ejge-8198	124	44	74.73	74.73	NUM
ejge-8198	124	45	christian	christian	NOUN
ejge-8198	124	46	95	95	NUM
ejge-8198	124	47	25.27	25.27	NUM
ejge-8198	124	48	tribe	tribe	NOUN
ejge-8198	124	49	hausa	hausa	NOUN
ejge-8198	124	50	/	/	SYM
ejge-8198	124	51	fulani	fulani	PROPN
ejge-8198	124	52	237	237	NUM
ejge-8198	124	53	63.03	63.03	NUM
ejge-8198	124	54	yoruba	yoruba	PROPN
ejge-8198	124	55	70	70	NUM
ejge-8198	124	56	18.62	18.62	NUM
ejge-8198	124	57	igbo	igbo	PROPN
ejge-8198	124	58	46	46	NUM
ejge-8198	124	59	12.23	12.23	NUM
ejge-8198	124	60	igala	igala	NOUN
ejge-8198	124	61	23	23	NUM
ejge-8198	124	62	6.12	6.12	NUM
ejge-8198	124	63	a.	a.	NOUN
ejge-8198	124	64	h.	h.	PROPN
ejge-8198	124	65	danlami	danlami	PROPN
ejge-8198	124	66	and	and	CCONJ
ejge-8198	124	67	r.	r.	PROPN
ejge-8198	124	68	bashir	bashir	PROPN
ejge-8198	124	69	/	/	SYM
ejge-8198	124	70	european	european	PROPN
ejge-8198	124	71	journal	journal	PROPN
ejge-8198	124	72	of	of	ADP
ejge-8198	124	73	government	government	NOUN
ejge-8198	124	74	and	and	CCONJ
ejge-8198	124	75	economics	economic	NOUN
ejge-8198	124	76	11(1	11(1	NUM
ejge-8198	124	77	)	)	PUNCT
ejge-8198	124	78	,	,	PUNCT
ejge-8198	124	79	june	june	PROPN
ejge-8198	124	80	2022	2022	NUM
ejge-8198	124	81	,	,	PUNCT
ejge-8198	124	82	97	97	NUM
ejge-8198	124	83	-	-	SYM
ejge-8198	124	84	112	112	NUM
ejge-8198	124	85	105	105	NUM
ejge-8198	124	86	table	table	NOUN
ejge-8198	124	87	1	1	NUM
ejge-8198	124	88	shows	show	VERB
ejge-8198	124	89	the	the	DET
ejge-8198	124	90	demographic	demographic	ADJ
ejge-8198	124	91	distribution	distribution	NOUN
ejge-8198	124	92	of	of	ADP
ejge-8198	124	93	the	the	DET
ejge-8198	124	94	respondents	respondent	NOUN
ejge-8198	124	95	.	.	PUNCT
ejge-8198	125	1	from	from	ADP
ejge-8198	125	2	the	the	DET
ejge-8198	125	3	table	table	NOUN
ejge-8198	125	4	,	,	PUNCT
ejge-8198	125	5	the	the	DET
ejge-8198	125	6	result	result	NOUN
ejge-8198	125	7	shows	show	VERB
ejge-8198	125	8	that	that	SCONJ
ejge-8198	125	9	majority	majority	NOUN
ejge-8198	125	10	of	of	ADP
ejge-8198	125	11	the	the	DET
ejge-8198	125	12	respondents	respondent	NOUN
ejge-8198	125	13	consisting	consist	VERB
ejge-8198	125	14	of	of	ADP
ejge-8198	125	15	192	192	NUM
ejge-8198	125	16	(	(	PUNCT
ejge-8198	125	17	51.06	51.06	NUM
ejge-8198	125	18	%	%	NOUN
ejge-8198	125	19	)	)	PUNCT
ejge-8198	125	20	are	be	AUX
ejge-8198	125	21	not	not	PART
ejge-8198	125	22	married	married	ADJ
ejge-8198	125	23	,	,	PUNCT
ejge-8198	125	24	while	while	SCONJ
ejge-8198	125	25	184(48.94	184(48.94	NUM
ejge-8198	125	26	%	%	NOUN
ejge-8198	125	27	)	)	PUNCT
ejge-8198	125	28	of	of	ADP
ejge-8198	125	29	the	the	DET
ejge-8198	125	30	respondents	respondent	NOUN
ejge-8198	125	31	are	be	AUX
ejge-8198	125	32	married	married	ADJ
ejge-8198	125	33	.	.	PUNCT
ejge-8198	126	1	also	also	ADV
ejge-8198	126	2	,	,	PUNCT
ejge-8198	126	3	the	the	DET
ejge-8198	126	4	educational	educational	ADJ
ejge-8198	126	5	qualification	qualification	NOUN
ejge-8198	126	6	of	of	ADP
ejge-8198	126	7	the	the	DET
ejge-8198	126	8	respondents	respondent	NOUN
ejge-8198	126	9	shows	show	VERB
ejge-8198	126	10	that	that	SCONJ
ejge-8198	126	11	125(33.24	125(33.24	NUM
ejge-8198	126	12	%	%	NOUN
ejge-8198	126	13	)	)	PUNCT
ejge-8198	126	14	,	,	PUNCT
ejge-8198	126	15	while	while	SCONJ
ejge-8198	126	16	40(10.64	40(10.64	NUM
ejge-8198	126	17	%	%	NOUN
ejge-8198	126	18	)	)	PUNCT
ejge-8198	126	19	of	of	ADP
ejge-8198	126	20	the	the	DET
ejge-8198	126	21	respondents	respondent	NOUN
ejge-8198	126	22	have	have	VERB
ejge-8198	126	23	primary	primary	ADJ
ejge-8198	126	24	level	level	NOUN
ejge-8198	126	25	education	education	NOUN
ejge-8198	126	26	and	and	CCONJ
ejge-8198	126	27	158(42.02	158(42.02	NUM
ejge-8198	126	28	%	%	NOUN
ejge-8198	126	29	)	)	PUNCT
ejge-8198	126	30	of	of	ADP
ejge-8198	126	31	the	the	DET
ejge-8198	126	32	respondents	respondent	NOUN
ejge-8198	126	33	have	have	VERB
ejge-8198	126	34	secondary	secondary	ADJ
ejge-8198	126	35	level	level	NOUN
ejge-8198	126	36	education	education	NOUN
ejge-8198	126	37	as	as	ADP
ejge-8198	126	38	53(14.10	53(14.10	NUM
ejge-8198	126	39	%	%	NOUN
ejge-8198	126	40	)	)	PUNCT
ejge-8198	126	41	of	of	ADP
ejge-8198	126	42	the	the	DET
ejge-8198	126	43	respondents	respondent	NOUN
ejge-8198	126	44	have	have	VERB
ejge-8198	126	45	only	only	ADV
ejge-8198	126	46	tertiary	tertiary	ADJ
ejge-8198	126	47	level	level	NOUN
ejge-8198	126	48	education	education	NOUN
ejge-8198	126	49	.	.	PUNCT
ejge-8198	127	1	likewise	likewise	ADV
ejge-8198	127	2	,	,	PUNCT
ejge-8198	127	3	281(74.73	281(74.73	NUM
ejge-8198	127	4	%	%	NOUN
ejge-8198	127	5	)	)	PUNCT
ejge-8198	127	6	of	of	ADP
ejge-8198	127	7	the	the	DET
ejge-8198	127	8	respondents	respondent	NOUN
ejge-8198	127	9	are	be	AUX
ejge-8198	127	10	muslims	muslims	PROPN
ejge-8198	127	11	as	as	ADP
ejge-8198	127	12	95(25.27	95(25.27	NUM
ejge-8198	127	13	%	%	NOUN
ejge-8198	127	14	)	)	PUNCT
ejge-8198	127	15	of	of	ADP
ejge-8198	127	16	the	the	DET
ejge-8198	127	17	respondents	respondent	NOUN
ejge-8198	127	18	are	be	AUX
ejge-8198	127	19	christians	christians	PROPN
ejge-8198	127	20	.	.	PUNCT
ejge-8198	128	1	based	base	VERB
ejge-8198	128	2	on	on	ADP
ejge-8198	128	3	the	the	DET
ejge-8198	128	4	tribal	tribal	ADJ
ejge-8198	128	5	distribution	distribution	NOUN
ejge-8198	128	6	,	,	PUNCT
ejge-8198	128	7	237(63.03	237(63.03	NUM
ejge-8198	128	8	%	%	NOUN
ejge-8198	128	9	)	)	PUNCT
ejge-8198	128	10	of	of	ADP
ejge-8198	128	11	the	the	DET
ejge-8198	128	12	respondents	respondent	NOUN
ejge-8198	128	13	are	be	AUX
ejge-8198	128	14	hausa	hausa	VERB
ejge-8198	128	15	/	/	SYM
ejge-8198	128	16	fulani	fulani	PROPN
ejge-8198	128	17	while	while	SCONJ
ejge-8198	128	18	,	,	PUNCT
ejge-8198	128	19	70(18.62	70(18.62	NUM
ejge-8198	128	20	%	%	NOUN
ejge-8198	128	21	)	)	PUNCT
ejge-8198	128	22	of	of	ADP
ejge-8198	128	23	the	the	DET
ejge-8198	128	24	respondents	respondent	NOUN
ejge-8198	128	25	are	be	AUX
ejge-8198	128	26	yorubas	yorubas	ADJ
ejge-8198	128	27	,	,	PUNCT
ejge-8198	128	28	and	and	CCONJ
ejge-8198	128	29	46(12.23	46(12.23	NUM
ejge-8198	128	30	%	%	NOUN
ejge-8198	128	31	)	)	PUNCT
ejge-8198	128	32	of	of	ADP
ejge-8198	128	33	the	the	DET
ejge-8198	128	34	respondents	respondent	NOUN
ejge-8198	128	35	are	be	AUX
ejge-8198	128	36	igbo	igbo	PROPN
ejge-8198	128	37	’s	’s	PART
ejge-8198	128	38	as	as	ADP
ejge-8198	128	39	23(6.12	23(6.12	NUM
ejge-8198	128	40	%	%	NOUN
ejge-8198	128	41	)	)	PUNCT
ejge-8198	128	42	are	be	AUX
ejge-8198	128	43	igala	igala	NOUN
ejge-8198	128	44	’s	’s	PART
ejge-8198	128	45	.	.	PUNCT
ejge-8198	129	1	going	go	VERB
ejge-8198	129	2	by	by	ADP
ejge-8198	129	3	the	the	DET
ejge-8198	129	4	results	result	NOUN
ejge-8198	129	5	,	,	PUNCT
ejge-8198	129	6	it	it	PRON
ejge-8198	129	7	is	be	AUX
ejge-8198	129	8	evident	evident	ADJ
ejge-8198	129	9	that	that	SCONJ
ejge-8198	129	10	the	the	DET
ejge-8198	129	11	hausa	hausa	NOUN
ejge-8198	129	12	/	/	SYM
ejge-8198	129	13	fulani	fulani	ADJ
ejge-8198	129	14	women	woman	NOUN
ejge-8198	129	15	are	be	AUX
ejge-8198	129	16	less	less	ADV
ejge-8198	129	17	involved	involved	ADJ
ejge-8198	129	18	in	in	ADP
ejge-8198	129	19	entrepreneurial	entrepreneurial	ADJ
ejge-8198	129	20	activities	activity	NOUN
ejge-8198	129	21	compared	compare	VERB
ejge-8198	129	22	to	to	ADP
ejge-8198	129	23	women	woman	NOUN
ejge-8198	129	24	from	from	ADP
ejge-8198	129	25	other	other	ADJ
ejge-8198	129	26	tribes	tribe	NOUN
ejge-8198	129	27	.	.	PUNCT
ejge-8198	130	1	likewise	likewise	ADV
ejge-8198	130	2	,	,	PUNCT
ejge-8198	130	3	the	the	DET
ejge-8198	130	4	christian	christian	ADJ
ejge-8198	130	5	ladies	lady	NOUN
ejge-8198	130	6	are	be	AUX
ejge-8198	130	7	more	more	ADV
ejge-8198	130	8	involved	involved	ADJ
ejge-8198	130	9	in	in	ADP
ejge-8198	130	10	entrepreneurial	entrepreneurial	ADJ
ejge-8198	130	11	activities	activity	NOUN
ejge-8198	130	12	compared	compare	VERB
ejge-8198	130	13	to	to	ADP
ejge-8198	130	14	the	the	DET
ejge-8198	130	15	muslim	muslim	ADJ
ejge-8198	130	16	ladies	lady	NOUN
ejge-8198	130	17	.	.	PUNCT
ejge-8198	131	1	this	this	PRON
ejge-8198	131	2	by	by	ADP
ejge-8198	131	3	implication	implication	NOUN
ejge-8198	131	4	shows	show	VERB
ejge-8198	131	5	the	the	DET
ejge-8198	131	6	cultural	cultural	ADJ
ejge-8198	131	7	dimension	dimension	NOUN
ejge-8198	131	8	of	of	ADP
ejge-8198	131	9	the	the	DET
ejge-8198	131	10	involvement	involvement	NOUN
ejge-8198	131	11	of	of	ADP
ejge-8198	131	12	women	woman	NOUN
ejge-8198	131	13	entrepreneurs	entrepreneur	NOUN
ejge-8198	131	14	in	in	ADP
ejge-8198	131	15	kano	kano	PROPN
ejge-8198	131	16	metropolis	metropolis	PROPN
ejge-8198	131	17	.	.	PUNCT
ejge-8198	132	1	this	this	DET
ejge-8198	132	2	further	far	ADV
ejge-8198	132	3	implies	imply	VERB
ejge-8198	132	4	most	most	ADJ
ejge-8198	132	5	indigenes	indigene	NOUN
ejge-8198	132	6	from	from	ADP
ejge-8198	132	7	the	the	DET
ejge-8198	132	8	north	north	NOUN
ejge-8198	132	9	-	-	PUNCT
ejge-8198	132	10	western	western	ADJ
ejge-8198	132	11	part	part	NOUN
ejge-8198	132	12	of	of	ADP
ejge-8198	132	13	nigeria	nigeria	PRON
ejge-8198	132	14	hardly	hardly	ADV
ejge-8198	132	15	encourage	encourage	VERB
ejge-8198	132	16	their	their	PRON
ejge-8198	132	17	women	woman	NOUN
ejge-8198	132	18	in	in	ADP
ejge-8198	132	19	entrepreneurial	entrepreneurial	ADJ
ejge-8198	132	20	activities	activity	NOUN
ejge-8198	132	21	.	.	PUNCT
ejge-8198	133	1	4.1	4.1	NUM
ejge-8198	133	2	.	.	PUNCT
ejge-8198	133	3	collateral	collateral	ADJ
ejge-8198	133	4	requirements	requirement	NOUN
ejge-8198	133	5	,	,	PUNCT
ejge-8198	133	6	interest	interest	NOUN
ejge-8198	133	7	rate	rate	NOUN
ejge-8198	133	8	and	and	CCONJ
ejge-8198	133	9	women	woman	NOUN
ejge-8198	133	10	entrepreneurs	entrepreneur	NOUN
ejge-8198	133	11	'	'	PART
ejge-8198	133	12	access	access	NOUN
ejge-8198	133	13	to	to	ADP
ejge-8198	133	14	credit	credit	NOUN
ejge-8198	133	15	the	the	DET
ejge-8198	133	16	model	model	NOUN
ejge-8198	133	17	made	make	VERB
ejge-8198	133	18	used	use	VERB
ejge-8198	133	19	the	the	DET
ejge-8198	133	20	binary	binary	ADJ
ejge-8198	133	21	dependent	dependent	ADJ
ejge-8198	133	22	variable	variable	ADJ
ejge-8198	133	23	model	model	NOUN
ejge-8198	133	24	of	of	ADP
ejge-8198	133	25	logit	logit	PROPN
ejge-8198	133	26	model	model	NOUN
ejge-8198	133	27	to	to	PART
ejge-8198	133	28	determine	determine	VERB
ejge-8198	133	29	how	how	SCONJ
ejge-8198	133	30	collateral	collateral	ADJ
ejge-8198	133	31	requirements	requirement	NOUN
ejge-8198	133	32	and	and	CCONJ
ejge-8198	133	33	interest	interest	NOUN
ejge-8198	133	34	rate	rate	NOUN
ejge-8198	133	35	affects	affect	VERB
ejge-8198	133	36	women	woman	NOUN
ejge-8198	133	37	entrepreneurs	entrepreneur	NOUN
ejge-8198	133	38	'	'	PART
ejge-8198	133	39	access	access	NOUN
ejge-8198	133	40	to	to	ADP
ejge-8198	133	41	credit	credit	NOUN
ejge-8198	133	42	facilities	facility	NOUN
ejge-8198	133	43	in	in	ADP
ejge-8198	133	44	kano	kano	PROPN
ejge-8198	133	45	metropolis	metropolis	PROPN
ejge-8198	133	46	.	.	PUNCT
ejge-8198	134	1	table	table	NOUN
ejge-8198	134	2	2	2	NUM
ejge-8198	134	3	presents	present	VERB
ejge-8198	134	4	the	the	DET
ejge-8198	134	5	logit	logit	NOUN
ejge-8198	134	6	estimate	estimate	NOUN
ejge-8198	134	7	of	of	ADP
ejge-8198	134	8	the	the	DET
ejge-8198	134	9	first	first	ADJ
ejge-8198	134	10	model	model	NOUN
ejge-8198	134	11	.	.	PUNCT
ejge-8198	135	1	table	table	NOUN
ejge-8198	135	2	2	2	NUM
ejge-8198	135	3	shows	show	VERB
ejge-8198	135	4	the	the	DET
ejge-8198	135	5	logit	logit	PROPN
ejge-8198	135	6	estimation	estimation	NOUN
ejge-8198	135	7	examining	examine	VERB
ejge-8198	135	8	how	how	SCONJ
ejge-8198	135	9	collateral	collateral	ADJ
ejge-8198	135	10	requirements	requirement	NOUN
ejge-8198	135	11	and	and	CCONJ
ejge-8198	135	12	interest	interest	NOUN
ejge-8198	135	13	rate	rate	NOUN
ejge-8198	135	14	affects	affect	VERB
ejge-8198	135	15	women	woman	NOUN
ejge-8198	135	16	entrepreneurs	entrepreneur	NOUN
ejge-8198	135	17	'	'	PART
ejge-8198	135	18	access	access	NOUN
ejge-8198	135	19	to	to	ADP
ejge-8198	135	20	credit	credit	NOUN
ejge-8198	135	21	facilities	facility	NOUN
ejge-8198	135	22	in	in	ADP
ejge-8198	135	23	kano	kano	PROPN
ejge-8198	135	24	metropolis	metropolis	PROPN
ejge-8198	135	25	.	.	PUNCT
ejge-8198	136	1	the	the	DET
ejge-8198	136	2	result	result	NOUN
ejge-8198	136	3	shows	show	VERB
ejge-8198	136	4	that	that	SCONJ
ejge-8198	136	5	the	the	DET
ejge-8198	136	6	collateral	collateral	ADJ
ejge-8198	136	7	requirement	requirement	NOUN
ejge-8198	136	8	by	by	ADP
ejge-8198	136	9	financial	financial	ADJ
ejge-8198	136	10	institutions	institution	NOUN
ejge-8198	136	11	has	have	VERB
ejge-8198	136	12	a	a	DET
ejge-8198	136	13	significant	significant	ADJ
ejge-8198	136	14	effect	effect	NOUN
ejge-8198	136	15	on	on	ADP
ejge-8198	136	16	women	woman	NOUN
ejge-8198	136	17	entrepreneurs	entrepreneur	NOUN
ejge-8198	136	18	’	'	PUNCT
ejge-8198	136	19	access	access	NOUN
ejge-8198	136	20	to	to	ADP
ejge-8198	136	21	credit	credit	NOUN
ejge-8198	136	22	facilities	facility	NOUN
ejge-8198	136	23	.	.	PUNCT
ejge-8198	137	1	the	the	DET
ejge-8198	137	2	results	result	NOUN
ejge-8198	137	3	of	of	ADP
ejge-8198	137	4	higher	high	ADJ
ejge-8198	137	5	demand	demand	NOUN
ejge-8198	137	6	for	for	ADP
ejge-8198	137	7	collateral	collateral	NOUN
ejge-8198	137	8	,	,	PUNCT
ejge-8198	137	9	women	woman	NOUN
ejge-8198	137	10	entrepreneurs	entrepreneur	NOUN
ejge-8198	137	11	are	be	AUX
ejge-8198	137	12	less	less	ADV
ejge-8198	137	13	likely	likely	ADJ
ejge-8198	137	14	to	to	PART
ejge-8198	137	15	collect	collect	VERB
ejge-8198	137	16	loans	loan	NOUN
ejge-8198	137	17	from	from	ADP
ejge-8198	137	18	financial	financial	ADJ
ejge-8198	137	19	institutions	institution	NOUN
ejge-8198	137	20	.	.	PUNCT
ejge-8198	138	1	the	the	DET
ejge-8198	138	2	result	result	NOUN
ejge-8198	138	3	further	far	ADV
ejge-8198	138	4	shows	show	VERB
ejge-8198	138	5	that	that	SCONJ
ejge-8198	138	6	the	the	DET
ejge-8198	138	7	coefficient	coefficient	NOUN
ejge-8198	138	8	of	of	ADP
ejge-8198	138	9	interest	interest	NOUN
ejge-8198	138	10	is	be	AUX
ejge-8198	138	11	negative	negative	ADJ
ejge-8198	138	12	and	and	CCONJ
ejge-8198	138	13	statistically	statistically	ADV
ejge-8198	138	14	significant	significant	ADJ
ejge-8198	138	15	.	.	PUNCT
ejge-8198	139	1	the	the	DET
ejge-8198	139	2	result	result	NOUN
ejge-8198	139	3	implies	imply	VERB
ejge-8198	139	4	that	that	SCONJ
ejge-8198	139	5	with	with	ADP
ejge-8198	139	6	a	a	DET
ejge-8198	139	7	higher	high	ADJ
ejge-8198	139	8	interest	interest	NOUN
ejge-8198	139	9	rate	rate	NOUN
ejge-8198	139	10	,	,	PUNCT
ejge-8198	139	11	women	woman	NOUN
ejge-8198	139	12	entrepreneurs	entrepreneur	NOUN
ejge-8198	139	13	are	be	AUX
ejge-8198	139	14	less	less	ADV
ejge-8198	139	15	likely	likely	ADJ
ejge-8198	139	16	to	to	PART
ejge-8198	139	17	collect	collect	VERB
ejge-8198	139	18	loans	loan	NOUN
ejge-8198	139	19	from	from	ADP
ejge-8198	139	20	financial	financial	ADJ
ejge-8198	139	21	institutions	institution	NOUN
ejge-8198	139	22	.	.	PUNCT
ejge-8198	140	1	the	the	DET
ejge-8198	140	2	result	result	NOUN
ejge-8198	140	3	also	also	ADV
ejge-8198	140	4	shows	show	VERB
ejge-8198	140	5	that	that	SCONJ
ejge-8198	140	6	the	the	DET
ejge-8198	140	7	availability	availability	NOUN
ejge-8198	140	8	of	of	ADP
ejge-8198	140	9	financial	financial	ADJ
ejge-8198	140	10	intuitions	intuition	NOUN
ejge-8198	140	11	’	'	PUNCT
ejge-8198	140	12	is	be	AUX
ejge-8198	140	13	a	a	DET
ejge-8198	140	14	significant	significant	ADJ
ejge-8198	140	15	factor	factor	NOUN
ejge-8198	140	16	affecting	affect	VERB
ejge-8198	140	17	women	woman	NOUN
ejge-8198	140	18	entrepreneurs	entrepreneur	NOUN
ejge-8198	140	19	access	access	NOUN
ejge-8198	140	20	to	to	ADP
ejge-8198	140	21	credit	credit	NOUN
ejge-8198	140	22	facilities	facility	NOUN
ejge-8198	140	23	.	.	PUNCT
ejge-8198	141	1	the	the	DET
ejge-8198	141	2	sign	sign	NOUN
ejge-8198	141	3	of	of	ADP
ejge-8198	141	4	the	the	DET
ejge-8198	141	5	coefficient	coefficient	NOUN
ejge-8198	141	6	is	be	AUX
ejge-8198	141	7	negative	negative	ADJ
ejge-8198	141	8	,	,	PUNCT
ejge-8198	141	9	which	which	PRON
ejge-8198	141	10	implies	imply	VERB
ejge-8198	141	11	that	that	SCONJ
ejge-8198	141	12	lack	lack	NOUN
ejge-8198	141	13	of	of	ADP
ejge-8198	141	14	availability	availability	NOUN
ejge-8198	141	15	of	of	ADP
ejge-8198	141	16	financial	financial	ADJ
ejge-8198	141	17	institutions	institution	NOUN
ejge-8198	141	18	,	,	PUNCT
ejge-8198	141	19	women	woman	NOUN
ejge-8198	141	20	entrepreneurs	entrepreneur	NOUN
ejge-8198	141	21	are	be	AUX
ejge-8198	141	22	less	less	ADV
ejge-8198	141	23	likely	likely	ADJ
ejge-8198	141	24	to	to	PART
ejge-8198	141	25	collect	collect	VERB
ejge-8198	141	26	loans	loan	NOUN
ejge-8198	141	27	from	from	ADP
ejge-8198	141	28	financial	financial	ADJ
ejge-8198	141	29	institutions	institution	NOUN
ejge-8198	141	30	.	.	PUNCT
ejge-8198	142	1	in	in	ADP
ejge-8198	142	2	addition	addition	NOUN
ejge-8198	142	3	,	,	PUNCT
ejge-8198	142	4	the	the	DET
ejge-8198	142	5	coefficient	coefficient	NOUN
ejge-8198	142	6	of	of	ADP
ejge-8198	142	7	age	age	NOUN
ejge-8198	142	8	is	be	AUX
ejge-8198	142	9	positive	positive	ADJ
ejge-8198	142	10	and	and	CCONJ
ejge-8198	142	11	statistically	statistically	ADV
ejge-8198	142	12	significant	significant	ADJ
ejge-8198	142	13	.	.	PUNCT
ejge-8198	143	1	this	this	PRON
ejge-8198	143	2	implies	imply	VERB
ejge-8198	143	3	as	as	SCONJ
ejge-8198	143	4	age	age	NOUN
ejge-8198	143	5	of	of	ADP
ejge-8198	143	6	women	woman	NOUN
ejge-8198	143	7	entrepreneurs	entrepreneur	NOUN
ejge-8198	143	8	increase	increase	VERB
ejge-8198	143	9	,	,	PUNCT
ejge-8198	143	10	they	they	PRON
ejge-8198	143	11	are	be	AUX
ejge-8198	143	12	more	more	ADV
ejge-8198	143	13	likely	likely	ADJ
ejge-8198	143	14	to	to	PART
ejge-8198	143	15	collect	collect	VERB
ejge-8198	143	16	loan	loan	NOUN
ejge-8198	143	17	from	from	ADP
ejge-8198	143	18	financial	financial	ADJ
ejge-8198	143	19	institutions	institution	NOUN
ejge-8198	143	20	.	.	PUNCT
ejge-8198	144	1	a.	a.	PROPN
ejge-8198	144	2	h.	h.	PROPN
ejge-8198	144	3	danlami	danlami	PROPN
ejge-8198	144	4	and	and	CCONJ
ejge-8198	144	5	r.	r.	PROPN
ejge-8198	144	6	bashir	bashir	PROPN
ejge-8198	144	7	/	/	SYM
ejge-8198	144	8	european	european	PROPN
ejge-8198	144	9	journal	journal	PROPN
ejge-8198	144	10	of	of	ADP
ejge-8198	144	11	government	government	NOUN
ejge-8198	144	12	and	and	CCONJ
ejge-8198	144	13	economics	economic	NOUN
ejge-8198	144	14	11(1	11(1	NUM
ejge-8198	144	15	)	)	PUNCT
ejge-8198	144	16	,	,	PUNCT
ejge-8198	144	17	june	june	PROPN
ejge-8198	144	18	2022	2022	NUM
ejge-8198	144	19	,	,	PUNCT
ejge-8198	144	20	97	97	NUM
ejge-8198	144	21	-	-	SYM
ejge-8198	144	22	112	112	NUM
ejge-8198	144	23	106	106	NUM
ejge-8198	144	24	table	table	NOUN
ejge-8198	144	25	2	2	NUM
ejge-8198	144	26	.	.	PUNCT
ejge-8198	144	27	collateral	collateral	NOUN
ejge-8198	144	28	and	and	CCONJ
ejge-8198	144	29	interest	interest	NOUN
ejge-8198	144	30	constraints	constraint	NOUN
ejge-8198	144	31	to	to	ADP
ejge-8198	144	32	women	woman	NOUN
ejge-8198	144	33	entrepreneurs	entrepreneur	NOUN
ejge-8198	144	34	’	'	PUNCT
ejge-8198	144	35	access	access	NOUN
ejge-8198	144	36	to	to	ADP
ejge-8198	144	37	credit	credit	NOUN
ejge-8198	144	38	facilities	facility	NOUN
ejge-8198	144	39	.	.	PUNCT
ejge-8198	145	1	variables	variable	NOUN
ejge-8198	145	2	coefficient	coefficient	VERB
ejge-8198	145	3	odd	odd	ADJ
ejge-8198	145	4	ratios	ratio	NOUN
ejge-8198	145	5	huge	huge	ADJ
ejge-8198	145	6	collateral	collateral	NOUN
ejge-8198	145	7	-1.176	-1.176	NOUN
ejge-8198	145	8	*	*	NOUN
ejge-8198	145	9	0.309	0.309	NUM
ejge-8198	145	10	*	*	PUNCT
ejge-8198	145	11	(	(	PUNCT
ejge-8198	145	12	0.632	0.632	NUM
ejge-8198	145	13	)	)	PUNCT
ejge-8198	145	14	(	(	PUNCT
ejge-8198	145	15	0.195	0.195	NUM
ejge-8198	145	16	)	)	PUNCT
ejge-8198	145	17	huge	huge	ADJ
ejge-8198	145	18	collateral	collateral	NOUN
ejge-8198	145	19	5.078	5.078	NUM
ejge-8198	145	20	*	*	PUNCT
ejge-8198	145	21	*	*	PUNCT
ejge-8198	145	22	*	*	PUNCT
ejge-8198	145	23	160.4	160.4	NUM
ejge-8198	145	24	*	*	PUNCT
ejge-8198	145	25	*	*	PUNCT
ejge-8198	145	26	*	*	PUNCT
ejge-8198	145	27	(	(	PUNCT
ejge-8198	145	28	1.248	1.248	NUM
ejge-8198	145	29	)	)	PUNCT
ejge-8198	145	30	(	(	PUNCT
ejge-8198	145	31	200.3	200.3	NUM
ejge-8198	145	32	)	)	PUNCT
ejge-8198	145	33	high	high	ADJ
ejge-8198	145	34	interest	interest	NOUN
ejge-8198	145	35	rate	rate	NOUN
ejge-8198	145	36	-2.774	-2.774	PUNCT
ejge-8198	145	37	*	*	PUNCT
ejge-8198	145	38	*	*	PUNCT
ejge-8198	145	39	*	*	PUNCT
ejge-8198	145	40	0.0624	0.0624	NUM
ejge-8198	145	41	*	*	PUNCT
ejge-8198	145	42	*	*	PUNCT
ejge-8198	145	43	*	*	PUNCT
ejge-8198	145	44	(	(	PUNCT
ejge-8198	145	45	0.599	0.599	NUM
ejge-8198	145	46	)	)	PUNCT
ejge-8198	145	47	(	(	PUNCT
ejge-8198	145	48	0.0374	0.0374	NUM
ejge-8198	145	49	)	)	PUNCT
ejge-8198	145	50	availability	availability	NOUN
ejge-8198	145	51	financial	financial	PROPN
ejge-8198	145	52	institute	institute	PROPN
ejge-8198	145	53	-0.399	-0.399	PROPN
ejge-8198	145	54	*	*	PROPN
ejge-8198	145	55	0.671	0.671	NUM
ejge-8198	145	56	*	*	PUNCT
ejge-8198	145	57	(	(	PUNCT
ejge-8198	145	58	0.241	0.241	NUM
ejge-8198	145	59	)	)	PUNCT
ejge-8198	145	60	(	(	PUNCT
ejge-8198	145	61	0.162	0.162	NUM
ejge-8198	145	62	)	)	PUNCT
ejge-8198	145	63	age	age	NOUN
ejge-8198	145	64	0.140	0.140	NUM
ejge-8198	145	65	*	*	PUNCT
ejge-8198	145	66	*	*	PUNCT
ejge-8198	145	67	*	*	PUNCT
ejge-8198	145	68	1.150	1.150	NUM
ejge-8198	145	69	*	*	PUNCT
ejge-8198	145	70	*	*	PUNCT
ejge-8198	145	71	*	*	PUNCT
ejge-8198	145	72	(	(	PUNCT
ejge-8198	145	73	0.0196	0.0196	NUM
ejge-8198	145	74	)	)	PUNCT
ejge-8198	145	75	(	(	PUNCT
ejge-8198	145	76	0.0225	0.0225	NUM
ejge-8198	145	77	)	)	PUNCT
ejge-8198	145	78	primary	primary	ADJ
ejge-8198	145	79	education	education	NOUN
ejge-8198	145	80	3.212	3.212	NUM
ejge-8198	145	81	*	*	PUNCT
ejge-8198	145	82	*	*	PUNCT
ejge-8198	145	83	*	*	PUNCT
ejge-8198	146	1	24.83	24.83	NUM
ejge-8198	146	2	*	*	PUNCT
ejge-8198	146	3	*	*	PUNCT
ejge-8198	146	4	*	*	PUNCT
ejge-8198	146	5	(	(	PUNCT
ejge-8198	146	6	0.843	0.843	NUM
ejge-8198	146	7	)	)	PUNCT
ejge-8198	146	8	(	(	PUNCT
ejge-8198	146	9	20.93	20.93	NUM
ejge-8198	146	10	)	)	PUNCT
ejge-8198	146	11	secondary	secondary	ADJ
ejge-8198	146	12	education	education	NOUN
ejge-8198	146	13	-1.166	-1.166	PUNCT
ejge-8198	146	14	*	*	PUNCT
ejge-8198	146	15	*	*	PUNCT
ejge-8198	146	16	0.312	0.312	NUM
ejge-8198	146	17	*	*	PUNCT
ejge-8198	146	18	*	*	PUNCT
ejge-8198	146	19	(	(	PUNCT
ejge-8198	146	20	0.554	0.554	NUM
ejge-8198	146	21	)	)	PUNCT
ejge-8198	146	22	(	(	PUNCT
ejge-8198	146	23	0.173	0.173	NUM
ejge-8198	146	24	)	)	PUNCT
ejge-8198	146	25	tertiary	tertiary	ADJ
ejge-8198	146	26	education	education	NOUN
ejge-8198	146	27	0.843	0.843	NUM
ejge-8198	146	28	2.323	2.323	NUM
ejge-8198	146	29	(	(	PUNCT
ejge-8198	146	30	0.835	0.835	NUM
ejge-8198	146	31	)	)	PUNCT
ejge-8198	146	32	(	(	PUNCT
ejge-8198	146	33	1.941	1.941	NUM
ejge-8198	146	34	)	)	PUNCT
ejge-8198	146	35	married	married	ADJ
ejge-8198	146	36	-1.440	-1.440	NOUN
ejge-8198	146	37	*	*	PUNCT
ejge-8198	146	38	*	*	PUNCT
ejge-8198	146	39	*	*	PUNCT
ejge-8198	146	40	0.237	0.237	NUM
ejge-8198	146	41	*	*	PUNCT
ejge-8198	146	42	*	*	PUNCT
ejge-8198	146	43	*	*	PUNCT
ejge-8198	146	44	(	(	PUNCT
ejge-8198	146	45	0.510	0.510	NUM
ejge-8198	146	46	)	)	PUNCT
ejge-8198	146	47	(	(	PUNCT
ejge-8198	146	48	0.121	0.121	NUM
ejge-8198	146	49	)	)	PUNCT
ejge-8198	146	50	fagge	fagge	NOUN
ejge-8198	146	51	-2.915	-2.915	NOUN
ejge-8198	146	52	*	*	PUNCT
ejge-8198	146	53	*	*	PUNCT
ejge-8198	146	54	*	*	PUNCT
ejge-8198	146	55	0.0542	0.0542	NUM
ejge-8198	146	56	*	*	PUNCT
ejge-8198	146	57	*	*	PUNCT
ejge-8198	146	58	*	*	PUNCT
ejge-8198	146	59	(	(	PUNCT
ejge-8198	146	60	0.799	0.799	NUM
ejge-8198	146	61	)	)	PUNCT
ejge-8198	146	62	(	(	PUNCT
ejge-8198	146	63	0.0433	0.0433	NUM
ejge-8198	146	64	)	)	PUNCT
ejge-8198	146	65	ungogo	ungogo	VERB
ejge-8198	146	66	1.255	1.255	NUM
ejge-8198	146	67	*	*	SYM
ejge-8198	146	68	3.506	3.506	NUM
ejge-8198	146	69	*	*	SYM
ejge-8198	146	70	(	(	PUNCT
ejge-8198	146	71	0.730	0.730	NUM
ejge-8198	146	72	)	)	PUNCT
ejge-8198	146	73	(	(	PUNCT
ejge-8198	146	74	2.561	2.561	NUM
ejge-8198	146	75	)	)	PUNCT
ejge-8198	146	76	constant	constant	ADJ
ejge-8198	146	77	-3.814	-3.814	NOUN
ejge-8198	146	78	*	*	PUNCT
ejge-8198	146	79	*	*	PUNCT
ejge-8198	146	80	*	*	PUNCT
ejge-8198	146	81	0.0221	0.0221	NUM
ejge-8198	146	82	*	*	PUNCT
ejge-8198	146	83	*	*	PUNCT
ejge-8198	146	84	*	*	PUNCT
ejge-8198	146	85	(	(	PUNCT
ejge-8198	146	86	1.002	1.002	NUM
ejge-8198	146	87	)	)	PUNCT
ejge-8198	146	88	(	(	PUNCT
ejge-8198	146	89	0.0221	0.0221	NUM
ejge-8198	146	90	)	)	PUNCT
ejge-8198	146	91	observations	observation	NOUN
ejge-8198	146	92	368	368	NUM
ejge-8198	146	93	368	368	NUM
ejge-8198	146	94	note	note	NOUN
ejge-8198	146	95	:	:	PUNCT
ejge-8198	146	96	the	the	DET
ejge-8198	146	97	asterisks	asterisk	NOUN
ejge-8198	146	98	*	*	PUNCT
ejge-8198	146	99	*	*	PUNCT
ejge-8198	146	100	*	*	PUNCT
ejge-8198	146	101	,	,	PUNCT
ejge-8198	146	102	*	*	PUNCT
ejge-8198	146	103	*	*	PUNCT
ejge-8198	146	104	and	and	CCONJ
ejge-8198	146	105	*	*	PUNCT
ejge-8198	146	106	indicate	indicate	VERB
ejge-8198	146	107	significance	significance	NOUN
ejge-8198	146	108	at	at	ADP
ejge-8198	146	109	1	1	NUM
ejge-8198	146	110	%	%	NOUN
ejge-8198	146	111	,	,	PUNCT
ejge-8198	146	112	5	5	NUM
ejge-8198	146	113	%	%	NOUN
ejge-8198	146	114	and	and	CCONJ
ejge-8198	146	115	10	10	NUM
ejge-8198	146	116	%	%	NOUN
ejge-8198	146	117	respectively	respectively	ADV
ejge-8198	146	118	.	.	PUNCT
ejge-8198	147	1	the	the	DET
ejge-8198	147	2	figures	figure	NOUN
ejge-8198	147	3	in	in	ADP
ejge-8198	147	4	parenthesis	parenthesis	NOUN
ejge-8198	147	5	(	(	PUNCT
ejge-8198	147	6	)	)	PUNCT
ejge-8198	147	7	are	be	AUX
ejge-8198	147	8	standard	standard	ADJ
ejge-8198	147	9	errors	error	NOUN
ejge-8198	147	10	on	on	ADP
ejge-8198	147	11	the	the	DET
ejge-8198	147	12	education	education	NOUN
ejge-8198	147	13	level	level	NOUN
ejge-8198	147	14	of	of	ADP
ejge-8198	147	15	the	the	DET
ejge-8198	147	16	respondents	respondent	NOUN
ejge-8198	147	17	,	,	PUNCT
ejge-8198	147	18	the	the	DET
ejge-8198	147	19	sign	sign	NOUN
ejge-8198	147	20	of	of	ADP
ejge-8198	147	21	the	the	DET
ejge-8198	147	22	coefficient	coefficient	NOUN
ejge-8198	147	23	of	of	ADP
ejge-8198	147	24	those	those	PRON
ejge-8198	147	25	with	with	ADP
ejge-8198	147	26	primary	primary	ADJ
ejge-8198	147	27	education	education	NOUN
ejge-8198	147	28	are	be	AUX
ejge-8198	147	29	more	more	ADV
ejge-8198	147	30	likely	likely	ADJ
ejge-8198	147	31	to	to	PART
ejge-8198	147	32	collect	collect	VERB
ejge-8198	147	33	loans	loan	NOUN
ejge-8198	147	34	from	from	ADP
ejge-8198	147	35	financial	financial	ADJ
ejge-8198	147	36	institutions	institution	NOUN
ejge-8198	147	37	,	,	PUNCT
ejge-8198	147	38	and	and	CCONJ
ejge-8198	147	39	it	it	PRON
ejge-8198	147	40	is	be	AUX
ejge-8198	147	41	statistically	statistically	ADV
ejge-8198	147	42	significant	significant	ADJ
ejge-8198	147	43	.	.	PUNCT
ejge-8198	148	1	while	while	SCONJ
ejge-8198	148	2	the	the	DET
ejge-8198	148	3	sign	sign	NOUN
ejge-8198	148	4	for	for	ADP
ejge-8198	148	5	secondary	secondary	ADJ
ejge-8198	148	6	education	education	NOUN
ejge-8198	148	7	level	level	NOUN
ejge-8198	148	8	is	be	AUX
ejge-8198	148	9	negative	negative	ADJ
ejge-8198	148	10	and	and	CCONJ
ejge-8198	148	11	statistically	statistically	ADV
ejge-8198	148	12	significant	significant	ADJ
ejge-8198	148	13	,	,	PUNCT
ejge-8198	148	14	which	which	PRON
ejge-8198	148	15	implies	imply	VERB
ejge-8198	148	16	that	that	SCONJ
ejge-8198	148	17	women	woman	NOUN
ejge-8198	148	18	entrepreneurs	entrepreneur	NOUN
ejge-8198	148	19	with	with	ADP
ejge-8198	148	20	secondary	secondary	ADJ
ejge-8198	148	21	educational	educational	ADJ
ejge-8198	148	22	level	level	NOUN
ejge-8198	148	23	are	be	AUX
ejge-8198	148	24	less	less	ADV
ejge-8198	148	25	likely	likely	ADJ
ejge-8198	148	26	to	to	PART
ejge-8198	148	27	collect	collect	VERB
ejge-8198	148	28	loans	loan	NOUN
ejge-8198	148	29	from	from	ADP
ejge-8198	148	30	financial	financial	ADJ
ejge-8198	148	31	institutions	institution	NOUN
ejge-8198	148	32	,	,	PUNCT
ejge-8198	148	33	also	also	ADV
ejge-8198	148	34	,	,	PUNCT
ejge-8198	148	35	women	woman	NOUN
ejge-8198	148	36	entrepreneurs	entrepreneur	NOUN
ejge-8198	148	37	with	with	ADP
ejge-8198	148	38	tertiary	tertiary	ADJ
ejge-8198	148	39	education	education	NOUN
ejge-8198	148	40	are	be	AUX
ejge-8198	148	41	more	more	ADV
ejge-8198	148	42	likely	likely	ADJ
ejge-8198	148	43	to	to	PART
ejge-8198	148	44	collect	collect	VERB
ejge-8198	148	45	loans	loan	NOUN
ejge-8198	148	46	from	from	ADP
ejge-8198	148	47	financial	financial	ADJ
ejge-8198	148	48	institutions	institution	NOUN
ejge-8198	148	49	.	.	PUNCT
ejge-8198	149	1	the	the	DET
ejge-8198	149	2	sign	sign	NOUN
ejge-8198	149	3	of	of	ADP
ejge-8198	149	4	the	the	DET
ejge-8198	149	5	coefficient	coefficient	NOUN
ejge-8198	149	6	of	of	ADP
ejge-8198	149	7	marriage	marriage	NOUN
ejge-8198	149	8	is	be	AUX
ejge-8198	149	9	negative	negative	ADJ
ejge-8198	149	10	and	and	CCONJ
ejge-8198	149	11	statistically	statistically	ADV
ejge-8198	149	12	significant	significant	ADJ
ejge-8198	149	13	,	,	PUNCT
ejge-8198	149	14	which	which	PRON
ejge-8198	149	15	implies	imply	VERB
ejge-8198	149	16	that	that	SCONJ
ejge-8198	149	17	married	married	ADJ
ejge-8198	149	18	women	woman	NOUN
ejge-8198	149	19	entrepreneurs	entrepreneur	NOUN
ejge-8198	149	20	are	be	AUX
ejge-8198	149	21	less	less	ADV
ejge-8198	149	22	likely	likely	ADJ
ejge-8198	149	23	to	to	PART
ejge-8198	149	24	collect	collect	VERB
ejge-8198	149	25	loans	loan	NOUN
ejge-8198	149	26	from	from	ADP
ejge-8198	149	27	financial	financial	ADJ
ejge-8198	149	28	institutions	institution	NOUN
ejge-8198	149	29	.	.	PUNCT
ejge-8198	150	1	likewise	likewise	ADV
ejge-8198	150	2	,	,	PUNCT
ejge-8198	150	3	in	in	ADP
ejge-8198	150	4	the	the	DET
ejge-8198	150	5	local	local	ADJ
ejge-8198	150	6	government	government	NOUN
ejge-8198	150	7	where	where	SCONJ
ejge-8198	150	8	the	the	DET
ejge-8198	150	9	women	woman	NOUN
ejge-8198	150	10	entrepreneurs	entrepreneur	NOUN
ejge-8198	150	11	reside	reside	VERB
ejge-8198	150	12	,	,	PUNCT
ejge-8198	150	13	the	the	DET
ejge-8198	150	14	sign	sign	NOUN
ejge-8198	150	15	of	of	ADP
ejge-8198	150	16	the	the	DET
ejge-8198	150	17	coefficient	coefficient	NOUN
ejge-8198	150	18	of	of	ADP
ejge-8198	150	19	fagge	fagge	ADJ
ejge-8198	150	20	lga	lga	NOUN
ejge-8198	150	21	is	be	AUX
ejge-8198	150	22	negative	negative	ADJ
ejge-8198	150	23	and	and	CCONJ
ejge-8198	150	24	statistically	statistically	ADV
ejge-8198	150	25	significant	significant	ADJ
ejge-8198	150	26	.	.	PUNCT
ejge-8198	151	1	this	this	PRON
ejge-8198	151	2	implies	imply	VERB
ejge-8198	151	3	that	that	SCONJ
ejge-8198	151	4	women	woman	NOUN
ejge-8198	151	5	entrepreneurs	entrepreneur	NOUN
ejge-8198	151	6	in	in	ADP
ejge-8198	151	7	fagge	fagge	PROPN
ejge-8198	151	8	lga	lga	PROPN
ejge-8198	151	9	are	be	AUX
ejge-8198	151	10	less	less	ADV
ejge-8198	151	11	likely	likely	ADJ
ejge-8198	151	12	to	to	PART
ejge-8198	151	13	collect	collect	VERB
ejge-8198	151	14	loans	loan	NOUN
ejge-8198	151	15	from	from	ADP
ejge-8198	151	16	financial	financial	ADJ
ejge-8198	151	17	institutions	institution	NOUN
ejge-8198	151	18	.	.	PUNCT
ejge-8198	152	1	also	also	ADV
ejge-8198	152	2	,	,	PUNCT
ejge-8198	152	3	the	the	DET
ejge-8198	152	4	sign	sign	NOUN
ejge-8198	152	5	of	of	ADP
ejge-8198	152	6	the	the	DET
ejge-8198	152	7	coefficient	coefficient	NOUN
ejge-8198	152	8	of	of	ADP
ejge-8198	152	9	ungogo	ungogo	PROPN
ejge-8198	152	10	lga	lga	PROPN
ejge-8198	152	11	is	be	AUX
ejge-8198	152	12	positive	positive	ADJ
ejge-8198	152	13	and	and	CCONJ
ejge-8198	152	14	significant	significant	ADJ
ejge-8198	152	15	.	.	PUNCT
ejge-8198	153	1	this	this	PRON
ejge-8198	153	2	implies	imply	VERB
ejge-8198	153	3	that	that	SCONJ
ejge-8198	153	4	women	woman	NOUN
ejge-8198	153	5	entrepreneurs	entrepreneur	NOUN
ejge-8198	153	6	in	in	ADP
ejge-8198	153	7	ungogo	ungogo	PROPN
ejge-8198	153	8	lga	lga	PROPN
ejge-8198	153	9	are	be	AUX
ejge-8198	153	10	more	more	ADV
ejge-8198	153	11	likely	likely	ADJ
ejge-8198	153	12	to	to	PART
ejge-8198	153	13	collect	collect	VERB
ejge-8198	153	14	loans	loan	NOUN
ejge-8198	153	15	from	from	ADP
ejge-8198	153	16	financial	financial	ADJ
ejge-8198	153	17	institutions	institution	NOUN
ejge-8198	153	18	.	.	PUNCT
ejge-8198	154	1	the	the	DET
ejge-8198	154	2	result	result	NOUN
ejge-8198	154	3	above	above	ADV
ejge-8198	154	4	shows	show	VERB
ejge-8198	154	5	that	that	SCONJ
ejge-8198	154	6	collateral	collateral	ADJ
ejge-8198	154	7	requirement	requirement	NOUN
ejge-8198	154	8	has	have	AUX
ejge-8198	154	9	hindered	hinder	VERB
ejge-8198	154	10	women	woman	NOUN
ejge-8198	154	11	from	from	ADP
ejge-8198	154	12	accessing	access	VERB
ejge-8198	154	13	credit	credit	NOUN
ejge-8198	154	14	facilities	facility	NOUN
ejge-8198	154	15	irrespective	irrespective	ADV
ejge-8198	154	16	of	of	ADP
ejge-8198	154	17	their	their	PRON
ejge-8198	154	18	demographic	demographic	ADJ
ejge-8198	154	19	characteristics	characteristic	NOUN
ejge-8198	154	20	.	.	PUNCT
ejge-8198	155	1	the	the	DET
ejge-8198	155	2	issue	issue	NOUN
ejge-8198	155	3	of	of	ADP
ejge-8198	155	4	collateral	collateral	NOUN
ejge-8198	155	5	has	have	AUX
ejge-8198	155	6	been	be	AUX
ejge-8198	155	7	a.	a.	NOUN
ejge-8198	155	8	h.	h.	PROPN
ejge-8198	155	9	danlami	danlami	PROPN
ejge-8198	155	10	and	and	CCONJ
ejge-8198	155	11	r.	r.	PROPN
ejge-8198	155	12	bashir	bashir	PROPN
ejge-8198	155	13	/	/	SYM
ejge-8198	155	14	european	european	PROPN
ejge-8198	155	15	journal	journal	PROPN
ejge-8198	155	16	of	of	ADP
ejge-8198	155	17	government	government	NOUN
ejge-8198	155	18	and	and	CCONJ
ejge-8198	155	19	economics	economic	NOUN
ejge-8198	155	20	11(1	11(1	NUM
ejge-8198	155	21	)	)	PUNCT
ejge-8198	155	22	,	,	PUNCT
ejge-8198	155	23	june	june	PROPN
ejge-8198	155	24	2022	2022	NUM
ejge-8198	155	25	,	,	PUNCT
ejge-8198	155	26	97	97	NUM
ejge-8198	155	27	-	-	SYM
ejge-8198	155	28	112	112	NUM
ejge-8198	155	29	107	107	NUM
ejge-8198	155	30	a	a	DET
ejge-8198	155	31	serious	serious	ADJ
ejge-8198	155	32	impediment	impediment	NOUN
ejge-8198	155	33	to	to	ADP
ejge-8198	155	34	accessing	access	VERB
ejge-8198	155	35	a	a	DET
ejge-8198	155	36	loan	loan	NOUN
ejge-8198	155	37	from	from	ADP
ejge-8198	155	38	financial	financial	ADJ
ejge-8198	155	39	institutions	institution	NOUN
ejge-8198	155	40	and	and	CCONJ
ejge-8198	155	41	given	give	VERB
ejge-8198	155	42	the	the	DET
ejge-8198	155	43	fact	fact	NOUN
ejge-8198	155	44	that	that	SCONJ
ejge-8198	155	45	most	most	ADJ
ejge-8198	155	46	the	the	DET
ejge-8198	155	47	women	woman	NOUN
ejge-8198	155	48	entrepreneurs	entrepreneur	NOUN
ejge-8198	155	49	are	be	AUX
ejge-8198	155	50	not	not	PART
ejge-8198	155	51	buoyant	buoyant	ADJ
ejge-8198	155	52	enough	enough	ADV
ejge-8198	155	53	to	to	PART
ejge-8198	155	54	offer	offer	VERB
ejge-8198	155	55	collateral	collateral	NOUN
ejge-8198	155	56	to	to	PART
ejge-8198	155	57	collect	collect	VERB
ejge-8198	155	58	loans	loan	NOUN
ejge-8198	155	59	from	from	ADP
ejge-8198	155	60	financial	financial	ADJ
ejge-8198	155	61	institutions	institution	NOUN
ejge-8198	155	62	.	.	PUNCT
ejge-8198	156	1	in	in	ADP
ejge-8198	156	2	addition	addition	NOUN
ejge-8198	156	3	,	,	PUNCT
ejge-8198	156	4	more	more	ADJ
ejge-8198	156	5	of	of	ADP
ejge-8198	156	6	the	the	DET
ejge-8198	156	7	educated	educate	VERB
ejge-8198	156	8	women	woman	NOUN
ejge-8198	156	9	,	,	PUNCT
ejge-8198	156	10	as	as	SCONJ
ejge-8198	156	11	the	the	DET
ejge-8198	156	12	results	result	NOUN
ejge-8198	156	13	shows	show	VERB
ejge-8198	156	14	,	,	PUNCT
ejge-8198	156	15	will	will	AUX
ejge-8198	156	16	be	be	AUX
ejge-8198	156	17	less	less	ADV
ejge-8198	156	18	likely	likely	ADJ
ejge-8198	156	19	to	to	PART
ejge-8198	156	20	collect	collect	VERB
ejge-8198	156	21	loans	loan	NOUN
ejge-8198	156	22	from	from	ADP
ejge-8198	156	23	financial	financial	ADJ
ejge-8198	156	24	institutions	institution	NOUN
ejge-8198	156	25	,	,	PUNCT
ejge-8198	156	26	this	this	PRON
ejge-8198	156	27	may	may	AUX
ejge-8198	156	28	be	be	AUX
ejge-8198	156	29	because	because	SCONJ
ejge-8198	156	30	,	,	PUNCT
ejge-8198	156	31	they	they	PRON
ejge-8198	156	32	fear	fear	VERB
ejge-8198	156	33	that	that	SCONJ
ejge-8198	156	34	banks	bank	NOUN
ejge-8198	156	35	will	will	AUX
ejge-8198	156	36	come	come	VERB
ejge-8198	156	37	after	after	ADP
ejge-8198	156	38	their	their	PRON
ejge-8198	156	39	assets	asset	NOUN
ejge-8198	156	40	if	if	SCONJ
ejge-8198	156	41	they	they	PRON
ejge-8198	156	42	fail	fail	VERB
ejge-8198	156	43	to	to	PART
ejge-8198	156	44	pay	pay	VERB
ejge-8198	156	45	the	the	DET
ejge-8198	156	46	loans	loan	NOUN
ejge-8198	156	47	on	on	ADP
ejge-8198	156	48	time	time	NOUN
ejge-8198	156	49	.	.	PUNCT
ejge-8198	157	1	table	table	NOUN
ejge-8198	157	2	3	3	NUM
ejge-8198	157	3	.	.	NOUN
ejge-8198	157	4	willingness	willingness	NOUN
ejge-8198	157	5	to	to	PART
ejge-8198	157	6	accept	accept	VERB
ejge-8198	157	7	loan	loan	NOUN
ejge-8198	157	8	from	from	ADP
ejge-8198	157	9	financial	financial	ADJ
ejge-8198	157	10	institutions	institution	NOUN
ejge-8198	157	11	by	by	ADP
ejge-8198	157	12	women	woman	NOUN
ejge-8198	157	13	entrepreneurs	entrepreneur	NOUN
ejge-8198	157	14	.	.	PUNCT
ejge-8198	158	1	variables	variable	NOUN
ejge-8198	158	2	coefficients	coefficient	VERB
ejge-8198	158	3	odd	odd	ADJ
ejge-8198	158	4	ratios	ratio	NOUN
ejge-8198	158	5	legal_status	legal_status	ADJ
ejge-8198	158	6	-1.718	-1.718	PUNCT
ejge-8198	158	7	*	*	SYM
ejge-8198	158	8	0.179	0.179	NUM
ejge-8198	158	9	*	*	PUNCT
ejge-8198	158	10	(	(	PUNCT
ejge-8198	158	11	0.941	0.941	NUM
ejge-8198	158	12	)	)	PUNCT
ejge-8198	158	13	(	(	PUNCT
ejge-8198	158	14	0.169	0.169	NUM
ejge-8198	158	15	)	)	PUNCT
ejge-8198	158	16	operation	operation	NOUN
ejge-8198	158	17	0.707	0.707	NUM
ejge-8198	158	18	*	*	NOUN
ejge-8198	158	19	*	*	PUNCT
ejge-8198	158	20	2.027	2.027	NUM
ejge-8198	158	21	*	*	NOUN
ejge-8198	158	22	*	*	PUNCT
ejge-8198	158	23	(	(	PUNCT
ejge-8198	158	24	0.301	0.301	NUM
ejge-8198	158	25	)	)	PUNCT
ejge-8198	158	26	(	(	PUNCT
ejge-8198	158	27	0.610	0.610	NUM
ejge-8198	158	28	)	)	PUNCT
ejge-8198	158	29	collateral_required	collateral_require	VERB
ejge-8198	159	1	5.390	5.390	NUM
ejge-8198	159	2	*	*	PUNCT
ejge-8198	159	3	*	*	PUNCT
ejge-8198	159	4	*	*	PUNCT
ejge-8198	160	1	219.2	219.2	NUM
ejge-8198	160	2	*	*	PUNCT
ejge-8198	160	3	*	*	PUNCT
ejge-8198	160	4	*	*	PUNCT
ejge-8198	160	5	(	(	PUNCT
ejge-8198	160	6	1.593	1.593	NUM
ejge-8198	160	7	)	)	PUNCT
ejge-8198	160	8	(	(	PUNCT
ejge-8198	160	9	349.2	349.2	NUM
ejge-8198	160	10	)	)	PUNCT
ejge-8198	160	11	high_interest_rates	high_interest_rate	NOUN
ejge-8198	161	1	-3.137	-3.137	NUM
ejge-8198	161	2	*	*	PUNCT
ejge-8198	161	3	*	*	PUNCT
ejge-8198	162	1	*	*	PUNCT
ejge-8198	162	2	0.0434	0.0434	NUM
ejge-8198	162	3	*	*	PUNCT
ejge-8198	162	4	*	*	PUNCT
ejge-8198	162	5	*	*	PUNCT
ejge-8198	162	6	(	(	PUNCT
ejge-8198	162	7	1.114	1.114	NUM
ejge-8198	162	8	)	)	PUNCT
ejge-8198	162	9	(	(	PUNCT
ejge-8198	162	10	0.0484	0.0484	X
ejge-8198	162	11	)	)	PUNCT
ejge-8198	162	12	religion_affiliation	religion_affiliation	NOUN
ejge-8198	162	13	-0.370	-0.370	NUM
ejge-8198	162	14	0.691	0.691	NUM
ejge-8198	162	15	(	(	PUNCT
ejge-8198	162	16	0.767	0.767	NUM
ejge-8198	162	17	)	)	PUNCT
ejge-8198	162	18	(	(	PUNCT
ejge-8198	162	19	0.530	0.530	NUM
ejge-8198	162	20	)	)	PUNCT
ejge-8198	163	1	religion_affiliation	religion_affiliation	NOUN
ejge-8198	163	2	0.0612	0.0612	NUM
ejge-8198	163	3	1.063	1.063	NUM
ejge-8198	163	4	(	(	PUNCT
ejge-8198	163	5	0.871	0.871	NUM
ejge-8198	163	6	)	)	PUNCT
ejge-8198	163	7	(	(	PUNCT
ejge-8198	163	8	0.926	0.926	NUM
ejge-8198	163	9	)	)	PUNCT
ejge-8198	164	1	maximum_loan_willing	maximum_loan_wille	VERB
ejge-8198	164	2	5.06e-06	5.06e-06	NUM
ejge-8198	164	3	1.000	1.000	NUM
ejge-8198	164	4	(	(	PUNCT
ejge-8198	164	5	4.75e-06	4.75e-06	NUM
ejge-8198	164	6	)	)	PUNCT
ejge-8198	164	7	(	(	PUNCT
ejge-8198	164	8	4.75e-06	4.75e-06	NUM
ejge-8198	164	9	)	)	PUNCT
ejge-8198	164	10	repayment	repayment	NOUN
ejge-8198	164	11	0.850	0.850	NUM
ejge-8198	164	12	*	*	PUNCT
ejge-8198	164	13	*	*	PUNCT
ejge-8198	164	14	*	*	PUNCT
ejge-8198	164	15	2.339	2.339	NUM
ejge-8198	164	16	*	*	PUNCT
ejge-8198	164	17	*	*	PUNCT
ejge-8198	164	18	*	*	PUNCT
ejge-8198	164	19	(	(	PUNCT
ejge-8198	164	20	0.268	0.268	NUM
ejge-8198	164	21	)	)	PUNCT
ejge-8198	164	22	(	(	PUNCT
ejge-8198	164	23	0.628	0.628	NUM
ejge-8198	164	24	)	)	PUNCT
ejge-8198	164	25	accessibility_financial_institut	accessibility_financial_institut	PUNCT
ejge-8198	165	1	-10.59	-10.59	PUNCT
ejge-8198	165	2	*	*	PUNCT
ejge-8198	165	3	*	*	PUNCT
ejge-8198	165	4	*	*	PUNCT
ejge-8198	165	5	2.52e-05	2.52e-05	NUM
ejge-8198	165	6	*	*	PUNCT
ejge-8198	165	7	*	*	PUNCT
ejge-8198	165	8	*	*	PUNCT
ejge-8198	165	9	(	(	PUNCT
ejge-8198	165	10	2.637	2.637	NUM
ejge-8198	165	11	)	)	PUNCT
ejge-8198	165	12	(	(	PUNCT
ejge-8198	165	13	6.64e-05	6.64e-05	NUM
ejge-8198	165	14	)	)	PUNCT
ejge-8198	165	15	age	age	NOUN
ejge-8198	165	16	0.0312	0.0312	NUM
ejge-8198	165	17	1.032	1.032	NUM
ejge-8198	165	18	(	(	PUNCT
ejge-8198	165	19	0.0522	0.0522	NUM
ejge-8198	165	20	)	)	PUNCT
ejge-8198	165	21	(	(	PUNCT
ejge-8198	165	22	0.0539	0.0539	NUM
ejge-8198	165	23	)	)	PUNCT
ejge-8198	165	24	marital_status	marital_status	NOUN
ejge-8198	165	25	1.457	1.457	NUM
ejge-8198	165	26	*	*	SYM
ejge-8198	165	27	4.293	4.293	NUM
ejge-8198	165	28	*	*	SYM
ejge-8198	165	29	(	(	PUNCT
ejge-8198	165	30	0.759	0.759	NUM
ejge-8198	165	31	)	)	PUNCT
ejge-8198	165	32	(	(	PUNCT
ejge-8198	165	33	3.259	3.259	NUM
ejge-8198	165	34	)	)	PUNCT
ejge-8198	165	35	education	education	NOUN
ejge-8198	165	36	-0.541	-0.541	PUNCT
ejge-8198	165	37	*	*	PUNCT
ejge-8198	165	38	*	*	PUNCT
ejge-8198	165	39	*	*	PUNCT
ejge-8198	165	40	0.582	0.582	NUM
ejge-8198	165	41	*	*	PUNCT
ejge-8198	165	42	*	*	PUNCT
ejge-8198	165	43	*	*	PUNCT
ejge-8198	165	44	(	(	PUNCT
ejge-8198	165	45	0.147	0.147	NUM
ejge-8198	165	46	)	)	PUNCT
ejge-8198	165	47	(	(	PUNCT
ejge-8198	165	48	0.0858	0.0858	NUM
ejge-8198	165	49	)	)	PUNCT
ejge-8198	165	50	religion	religion	NOUN
ejge-8198	165	51	-4.293	-4.293	NOUN
ejge-8198	165	52	*	*	PUNCT
ejge-8198	165	53	*	*	PUNCT
ejge-8198	165	54	*	*	PUNCT
ejge-8198	165	55	0.0137	0.0137	NUM
ejge-8198	165	56	*	*	PUNCT
ejge-8198	165	57	*	*	PUNCT
ejge-8198	165	58	*	*	PUNCT
ejge-8198	165	59	(	(	PUNCT
ejge-8198	165	60	1.609	1.609	NUM
ejge-8198	165	61	)	)	PUNCT
ejge-8198	165	62	(	(	PUNCT
ejge-8198	165	63	0.0220	0.0220	NUM
ejge-8198	165	64	)	)	PUNCT
ejge-8198	165	65	hausa	hausa	NOUN
ejge-8198	165	66	1.568	1.568	NUM
ejge-8198	165	67	4.798	4.798	NUM
ejge-8198	165	68	(	(	PUNCT
ejge-8198	165	69	1.047	1.047	NUM
ejge-8198	165	70	)	)	PUNCT
ejge-8198	165	71	(	(	PUNCT
ejge-8198	165	72	5.023	5.023	NUM
ejge-8198	165	73	)	)	PUNCT
ejge-8198	165	74	yoruba	yoruba	NOUN
ejge-8198	165	75	3.990	3.990	NUM
ejge-8198	165	76	*	*	PUNCT
ejge-8198	165	77	*	*	PUNCT
ejge-8198	166	1	54.03	54.03	NUM
ejge-8198	166	2	*	*	PUNCT
ejge-8198	166	3	*	*	PUNCT
ejge-8198	166	4	(	(	PUNCT
ejge-8198	166	5	1.625	1.625	NUM
ejge-8198	166	6	)	)	PUNCT
ejge-8198	166	7	(	(	PUNCT
ejge-8198	166	8	87.80	87.80	NUM
ejge-8198	166	9	)	)	PUNCT
ejge-8198	166	10	igbo	igbo	VERB
ejge-8198	166	11	0.574	0.574	NUM
ejge-8198	166	12	1.776	1.776	NUM
ejge-8198	166	13	(	(	PUNCT
ejge-8198	166	14	1.858	1.858	NUM
ejge-8198	166	15	)	)	PUNCT
ejge-8198	166	16	(	(	PUNCT
ejge-8198	166	17	3.299	3.299	NUM
ejge-8198	166	18	)	)	PUNCT
ejge-8198	166	19	household_size	household_size	NOUN
ejge-8198	166	20	1.705	1.705	NUM
ejge-8198	166	21	*	*	PUNCT
ejge-8198	166	22	*	*	PUNCT
ejge-8198	166	23	*	*	PUNCT
ejge-8198	166	24	5.500	5.500	NUM
ejge-8198	166	25	*	*	PUNCT
ejge-8198	166	26	*	*	PUNCT
ejge-8198	166	27	*	*	PUNCT
ejge-8198	166	28	(	(	PUNCT
ejge-8198	166	29	0.488	0.488	NUM
ejge-8198	166	30	)	)	PUNCT
ejge-8198	166	31	(	(	PUNCT
ejge-8198	166	32	2.684	2.684	NUM
ejge-8198	166	33	)	)	PUNCT
ejge-8198	166	34	constant	constant	ADJ
ejge-8198	166	35	-7.762	-7.762	NOUN
ejge-8198	166	36	*	*	PUNCT
ejge-8198	166	37	*	*	PUNCT
ejge-8198	166	38	*	*	PUNCT
ejge-8198	167	1	0.000425	0.000425	NUM
ejge-8198	167	2	*	*	PUNCT
ejge-8198	167	3	*	*	PUNCT
ejge-8198	167	4	*	*	PUNCT
ejge-8198	167	5	(	(	PUNCT
ejge-8198	167	6	2.900	2.900	NUM
ejge-8198	167	7	)	)	PUNCT
ejge-8198	167	8	(	(	PUNCT
ejge-8198	167	9	0.00123	0.00123	NUM
ejge-8198	167	10	)	)	PUNCT
ejge-8198	167	11	observations	observation	NOUN
ejge-8198	167	12	189	189	NUM
ejge-8198	167	13	189	189	NUM
ejge-8198	167	14	note	note	NOUN
ejge-8198	167	15	:	:	PUNCT
ejge-8198	167	16	the	the	DET
ejge-8198	167	17	asterisks	asterisk	NOUN
ejge-8198	167	18	*	*	PUNCT
ejge-8198	167	19	*	*	PUNCT
ejge-8198	167	20	*	*	PUNCT
ejge-8198	167	21	,	,	PUNCT
ejge-8198	167	22	*	*	PUNCT
ejge-8198	167	23	*	*	PUNCT
ejge-8198	167	24	and	and	CCONJ
ejge-8198	167	25	*	*	PUNCT
ejge-8198	167	26	indicate	indicate	VERB
ejge-8198	167	27	significance	significance	NOUN
ejge-8198	167	28	at	at	ADP
ejge-8198	167	29	1	1	NUM
ejge-8198	167	30	%	%	NOUN
ejge-8198	167	31	,	,	PUNCT
ejge-8198	167	32	5	5	NUM
ejge-8198	167	33	%	%	NOUN
ejge-8198	167	34	and	and	CCONJ
ejge-8198	167	35	10	10	NUM
ejge-8198	167	36	%	%	NOUN
ejge-8198	167	37	respectively	respectively	ADV
ejge-8198	167	38	.	.	PUNCT
ejge-8198	168	1	the	the	DET
ejge-8198	168	2	figures	figure	NOUN
ejge-8198	168	3	in	in	ADP
ejge-8198	168	4	parenthesis	parenthesis	NOUN
ejge-8198	168	5	(	(	PUNCT
ejge-8198	168	6	)	)	PUNCT
ejge-8198	168	7	are	be	AUX
ejge-8198	168	8	standard	standard	ADJ
ejge-8198	168	9	errors	error	NOUN
ejge-8198	168	10	.	.	PUNCT
ejge-8198	169	1	a.	a.	PROPN
ejge-8198	169	2	h.	h.	PROPN
ejge-8198	169	3	danlami	danlami	PROPN
ejge-8198	169	4	and	and	CCONJ
ejge-8198	169	5	r.	r.	PROPN
ejge-8198	169	6	bashir	bashir	PROPN
ejge-8198	169	7	/	/	SYM
ejge-8198	169	8	european	european	PROPN
ejge-8198	169	9	journal	journal	PROPN
ejge-8198	169	10	of	of	ADP
ejge-8198	169	11	government	government	NOUN
ejge-8198	169	12	and	and	CCONJ
ejge-8198	169	13	economics	economic	NOUN
ejge-8198	169	14	11(1	11(1	NUM
ejge-8198	169	15	)	)	PUNCT
ejge-8198	169	16	,	,	PUNCT
ejge-8198	169	17	june	june	PROPN
ejge-8198	169	18	2022	2022	NUM
ejge-8198	169	19	,	,	PUNCT
ejge-8198	169	20	97	97	NUM
ejge-8198	169	21	-	-	SYM
ejge-8198	169	22	112	112	NUM
ejge-8198	169	23	108	108	NUM
ejge-8198	169	24	4.2the	4.2the	DET
ejge-8198	169	25	willingness	willingness	NOUN
ejge-8198	169	26	to	to	PART
ejge-8198	169	27	accept	accept	VERB
ejge-8198	169	28	loan	loan	NOUN
ejge-8198	169	29	by	by	ADP
ejge-8198	169	30	women	woman	NOUN
ejge-8198	169	31	entrepreneurs	entrepreneur	NOUN
ejge-8198	169	32	from	from	ADP
ejge-8198	169	33	financial	financial	ADJ
ejge-8198	169	34	institutions	institution	NOUN
ejge-8198	169	35	this	this	DET
ejge-8198	169	36	model	model	NOUN
ejge-8198	169	37	used	use	VERB
ejge-8198	169	38	logit	logit	PROPN
ejge-8198	169	39	model	model	NOUN
ejge-8198	169	40	to	to	PART
ejge-8198	169	41	determine	determine	VERB
ejge-8198	169	42	willingness	willingness	NOUN
ejge-8198	169	43	to	to	PART
ejge-8198	169	44	accept	accept	VERB
ejge-8198	169	45	loans	loan	NOUN
ejge-8198	169	46	by	by	ADP
ejge-8198	169	47	women	woman	NOUN
ejge-8198	169	48	entrepreneurs	entrepreneur	NOUN
ejge-8198	169	49	from	from	ADP
ejge-8198	169	50	financial	financial	ADJ
ejge-8198	169	51	institutions	institution	NOUN
ejge-8198	169	52	in	in	ADP
ejge-8198	169	53	kano	kano	PROPN
ejge-8198	169	54	metropolis	metropolis	PROPN
ejge-8198	169	55	.	.	PUNCT
ejge-8198	170	1	the	the	DET
ejge-8198	170	2	table	table	NOUN
ejge-8198	170	3	below	below	ADP
ejge-8198	170	4	presents	present	VERB
ejge-8198	170	5	the	the	DET
ejge-8198	170	6	logit	logit	NOUN
ejge-8198	170	7	estimate	estimate	NOUN
ejge-8198	170	8	of	of	ADP
ejge-8198	170	9	the	the	DET
ejge-8198	170	10	first	first	ADJ
ejge-8198	170	11	model	model	NOUN
ejge-8198	170	12	.	.	PUNCT
ejge-8198	171	1	table	table	NOUN
ejge-8198	171	2	3	3	NUM
ejge-8198	171	3	shows	show	VERB
ejge-8198	171	4	the	the	DET
ejge-8198	171	5	estimated	estimate	VERB
ejge-8198	171	6	logit	logit	NOUN
ejge-8198	171	7	model	model	NOUN
ejge-8198	171	8	of	of	ADP
ejge-8198	171	9	the	the	DET
ejge-8198	171	10	first	first	ADJ
ejge-8198	171	11	model	model	NOUN
ejge-8198	171	12	of	of	ADP
ejge-8198	171	13	the	the	DET
ejge-8198	171	14	study	study	NOUN
ejge-8198	171	15	.	.	PUNCT
ejge-8198	172	1	the	the	DET
ejge-8198	172	2	estimated	estimate	VERB
ejge-8198	172	3	model	model	NOUN
ejge-8198	172	4	shows	show	VERB
ejge-8198	172	5	the	the	DET
ejge-8198	172	6	coefficients	coefficient	NOUN
ejge-8198	172	7	and	and	CCONJ
ejge-8198	172	8	the	the	DET
ejge-8198	172	9	odds	odd	NOUN
ejge-8198	172	10	ratios	ratio	NOUN
ejge-8198	172	11	of	of	ADP
ejge-8198	172	12	the	the	DET
ejge-8198	172	13	estimated	estimate	VERB
ejge-8198	172	14	variables	variable	NOUN
ejge-8198	172	15	,	,	PUNCT
ejge-8198	172	16	which	which	PRON
ejge-8198	172	17	estimate	estimate	VERB
ejge-8198	172	18	the	the	DET
ejge-8198	172	19	factors	factor	NOUN
ejge-8198	172	20	that	that	PRON
ejge-8198	172	21	determine	determine	VERB
ejge-8198	172	22	the	the	DET
ejge-8198	172	23	willingness	willingness	NOUN
ejge-8198	172	24	to	to	PART
ejge-8198	172	25	accept	accept	VERB
ejge-8198	172	26	loans	loan	NOUN
ejge-8198	172	27	from	from	ADP
ejge-8198	172	28	financial	financial	ADJ
ejge-8198	172	29	institutions	institution	NOUN
ejge-8198	172	30	by	by	ADP
ejge-8198	172	31	women	woman	NOUN
ejge-8198	172	32	entrepreneurs	entrepreneur	NOUN
ejge-8198	172	33	in	in	ADP
ejge-8198	172	34	kano	kano	PROPN
ejge-8198	172	35	metropolis	metropolis	PROPN
ejge-8198	172	36	.	.	PUNCT
ejge-8198	173	1	from	from	ADP
ejge-8198	173	2	the	the	DET
ejge-8198	173	3	results	result	NOUN
ejge-8198	173	4	,	,	PUNCT
ejge-8198	173	5	the	the	DET
ejge-8198	173	6	variable	variable	ADJ
ejge-8198	173	7	operation	operation	NOUN
ejge-8198	173	8	,	,	PUNCT
ejge-8198	173	9	which	which	PRON
ejge-8198	173	10	measures	measure	VERB
ejge-8198	173	11	the	the	DET
ejge-8198	173	12	length	length	NOUN
ejge-8198	173	13	of	of	ADP
ejge-8198	173	14	operating	operate	VERB
ejge-8198	173	15	the	the	DET
ejge-8198	173	16	business	business	NOUN
ejge-8198	173	17	by	by	ADP
ejge-8198	173	18	women	woman	NOUN
ejge-8198	173	19	entrepreneurs	entrepreneur	NOUN
ejge-8198	173	20	was	be	AUX
ejge-8198	173	21	found	find	VERB
ejge-8198	173	22	to	to	PART
ejge-8198	173	23	be	be	AUX
ejge-8198	173	24	positive	positive	ADJ
ejge-8198	173	25	and	and	CCONJ
ejge-8198	173	26	statistically	statistically	ADV
ejge-8198	173	27	significant	significant	ADJ
ejge-8198	173	28	,	,	PUNCT
ejge-8198	173	29	with	with	ADP
ejge-8198	173	30	the	the	DET
ejge-8198	173	31	coefficient	coefficient	NOUN
ejge-8198	173	32	value	value	NOUN
ejge-8198	173	33	of	of	ADP
ejge-8198	173	34	0.707	0.707	NUM
ejge-8198	173	35	at	at	ADP
ejge-8198	173	36	5	5	NUM
ejge-8198	173	37	%	%	NOUN
ejge-8198	173	38	level	level	NOUN
ejge-8198	173	39	of	of	ADP
ejge-8198	173	40	significance	significance	NOUN
ejge-8198	173	41	.	.	PUNCT
ejge-8198	174	1	the	the	PRON
ejge-8198	174	2	longer	long	ADV
ejge-8198	174	3	they	they	PRON
ejge-8198	174	4	operate	operate	VERB
ejge-8198	174	5	,	,	PUNCT
ejge-8198	174	6	the	the	DET
ejge-8198	174	7	more	more	ADV
ejge-8198	174	8	willing	willing	ADJ
ejge-8198	174	9	to	to	PART
ejge-8198	174	10	accept	accept	VERB
ejge-8198	174	11	a	a	DET
ejge-8198	174	12	loan	loan	NOUN
ejge-8198	174	13	from	from	ADP
ejge-8198	174	14	financial	financial	ADJ
ejge-8198	174	15	institutions	institution	NOUN
ejge-8198	174	16	.	.	PUNCT
ejge-8198	175	1	this	this	PRON
ejge-8198	175	2	is	be	AUX
ejge-8198	175	3	in	in	ADP
ejge-8198	175	4	line	line	NOUN
ejge-8198	175	5	with	with	ADP
ejge-8198	175	6	a	a	DET
ejge-8198	175	7	priori	priori	ADJ
ejge-8198	175	8	expectations	expectation	NOUN
ejge-8198	175	9	as	as	SCONJ
ejge-8198	175	10	those	those	DET
ejge-8198	175	11	women	woman	NOUN
ejge-8198	175	12	entrepreneurs	entrepreneur	NOUN
ejge-8198	175	13	who	who	PRON
ejge-8198	175	14	work	work	VERB
ejge-8198	175	15	more	more	ADJ
ejge-8198	175	16	may	may	AUX
ejge-8198	175	17	need	need	VERB
ejge-8198	175	18	a	a	DET
ejge-8198	175	19	loan	loan	NOUN
ejge-8198	175	20	to	to	PART
ejge-8198	175	21	maintain	maintain	VERB
ejge-8198	175	22	the	the	DET
ejge-8198	175	23	length	length	NOUN
ejge-8198	175	24	of	of	ADP
ejge-8198	175	25	operations	operation	NOUN
ejge-8198	175	26	.	.	PUNCT
ejge-8198	176	1	the	the	DET
ejge-8198	176	2	odd	odd	ADJ
ejge-8198	176	3	ratio	ratio	NOUN
ejge-8198	176	4	shows	show	VERB
ejge-8198	176	5	that	that	SCONJ
ejge-8198	176	6	the	the	DET
ejge-8198	176	7	odds	odd	NOUN
ejge-8198	176	8	of	of	ADP
ejge-8198	176	9	accepting	accept	VERB
ejge-8198	176	10	loans	loan	NOUN
ejge-8198	176	11	is	be	AUX
ejge-8198	176	12	higher	high	ADJ
ejge-8198	176	13	when	when	SCONJ
ejge-8198	176	14	they	they	PRON
ejge-8198	176	15	operate	operate	VERB
ejge-8198	176	16	longer	long	ADV
ejge-8198	176	17	than	than	ADP
ejge-8198	176	18	when	when	SCONJ
ejge-8198	176	19	they	they	PRON
ejge-8198	176	20	operate	operate	VERB
ejge-8198	176	21	less	less	ADJ
ejge-8198	176	22	.	.	PUNCT
ejge-8198	177	1	this	this	DET
ejge-8198	177	2	finding	finding	NOUN
ejge-8198	177	3	is	be	AUX
ejge-8198	177	4	in	in	ADP
ejge-8198	177	5	line	line	NOUN
ejge-8198	177	6	with	with	ADP
ejge-8198	177	7	the	the	DET
ejge-8198	177	8	work	work	NOUN
ejge-8198	177	9	of	of	ADP
ejge-8198	177	10	kweyu	kweyu	NOUN
ejge-8198	177	11	(	(	PUNCT
ejge-8198	177	12	2017	2017	NUM
ejge-8198	177	13	)	)	PUNCT
ejge-8198	177	14	,	,	PUNCT
ejge-8198	177	15	who	who	PRON
ejge-8198	177	16	found	find	VERB
ejge-8198	177	17	that	that	SCONJ
ejge-8198	177	18	years	year	NOUN
ejge-8198	177	19	of	of	ADP
ejge-8198	177	20	operation	operation	NOUN
ejge-8198	177	21	have	have	VERB
ejge-8198	177	22	a	a	DET
ejge-8198	177	23	significant	significant	ADJ
ejge-8198	177	24	influence	influence	NOUN
ejge-8198	177	25	on	on	ADP
ejge-8198	177	26	women	woman	NOUN
ejge-8198	177	27	's	's	PART
ejge-8198	177	28	access	access	NOUN
ejge-8198	177	29	to	to	ADP
ejge-8198	177	30	credit	credit	NOUN
ejge-8198	177	31	facilities	facility	NOUN
ejge-8198	177	32	.	.	PUNCT
ejge-8198	178	1	in	in	ADP
ejge-8198	178	2	addition	addition	NOUN
ejge-8198	178	3	,	,	PUNCT
ejge-8198	178	4	the	the	DET
ejge-8198	178	5	results	result	NOUN
ejge-8198	178	6	show	show	VERB
ejge-8198	178	7	the	the	DET
ejge-8198	178	8	coefficient	coefficient	NOUN
ejge-8198	178	9	of	of	ADP
ejge-8198	178	10	collateral	collateral	ADJ
ejge-8198	178	11	requirement	requirement	NOUN
ejge-8198	178	12	by	by	ADP
ejge-8198	178	13	financial	financial	ADJ
ejge-8198	178	14	institutions	institution	NOUN
ejge-8198	178	15	was	be	AUX
ejge-8198	178	16	found	find	VERB
ejge-8198	178	17	to	to	PART
ejge-8198	178	18	be	be	AUX
ejge-8198	178	19	positive	positive	ADJ
ejge-8198	178	20	with	with	ADP
ejge-8198	178	21	a	a	DET
ejge-8198	178	22	coefficient	coefficient	NOUN
ejge-8198	178	23	value	value	NOUN
ejge-8198	178	24	of	of	ADP
ejge-8198	178	25	5.390	5.390	NUM
ejge-8198	178	26	and	and	CCONJ
ejge-8198	178	27	statistically	statistically	ADV
ejge-8198	178	28	significant	significant	ADJ
ejge-8198	178	29	at	at	ADP
ejge-8198	178	30	1	1	NUM
ejge-8198	178	31	%	%	NOUN
ejge-8198	178	32	.	.	PUNCT
ejge-8198	179	1	collateral	collateral	ADJ
ejge-8198	179	2	requirement	requirement	NOUN
ejge-8198	179	3	is	be	AUX
ejge-8198	179	4	one	one	NUM
ejge-8198	179	5	factor	factor	NOUN
ejge-8198	179	6	that	that	PRON
ejge-8198	179	7	determines	determine	VERB
ejge-8198	179	8	the	the	DET
ejge-8198	179	9	willingness	willingness	NOUN
ejge-8198	179	10	to	to	PART
ejge-8198	179	11	accept	accept	VERB
ejge-8198	179	12	a	a	DET
ejge-8198	179	13	loan	loan	NOUN
ejge-8198	179	14	from	from	ADP
ejge-8198	179	15	financial	financial	ADJ
ejge-8198	179	16	institutions	institution	NOUN
ejge-8198	179	17	by	by	ADP
ejge-8198	179	18	women	woman	NOUN
ejge-8198	179	19	entrepreneurs	entrepreneur	NOUN
ejge-8198	179	20	.	.	PUNCT
ejge-8198	180	1	this	this	PRON
ejge-8198	180	2	does	do	AUX
ejge-8198	180	3	n’t	not	PART
ejge-8198	180	4	conform	conform	VERB
ejge-8198	180	5	to	to	ADP
ejge-8198	180	6	a	a	DET
ejge-8198	180	7	priori	priori	ADJ
ejge-8198	180	8	expectation	expectation	NOUN
ejge-8198	180	9	as	as	SCONJ
ejge-8198	180	10	collateral	collateral	ADJ
ejge-8198	180	11	requirements	requirement	NOUN
ejge-8198	180	12	should	should	AUX
ejge-8198	180	13	discourage	discourage	VERB
ejge-8198	180	14	women	woman	NOUN
ejge-8198	180	15	from	from	ADP
ejge-8198	180	16	seeking	seek	VERB
ejge-8198	180	17	financial	financial	ADJ
ejge-8198	180	18	assistance	assistance	NOUN
ejge-8198	180	19	.	.	PUNCT
ejge-8198	181	1	this	this	PRON
ejge-8198	181	2	is	be	AUX
ejge-8198	181	3	in	in	ADP
ejge-8198	181	4	line	line	NOUN
ejge-8198	181	5	with	with	ADP
ejge-8198	181	6	finding	finding	NOUN
ejge-8198	181	7	of	of	ADP
ejge-8198	181	8	akhabonje	akhabonje	NOUN
ejge-8198	181	9	and	and	CCONJ
ejge-8198	181	10	namusonge	namusonge	ADJ
ejge-8198	181	11	(	(	PUNCT
ejge-8198	181	12	2016	2016	NUM
ejge-8198	181	13	)	)	PUNCT
ejge-8198	181	14	,	,	PUNCT
ejge-8198	181	15	who	who	PRON
ejge-8198	181	16	tried	try	VERB
ejge-8198	181	17	to	to	PART
ejge-8198	181	18	establish	establish	VERB
ejge-8198	181	19	the	the	DET
ejge-8198	181	20	factors	factor	NOUN
ejge-8198	181	21	influencing	influence	VERB
ejge-8198	181	22	access	access	NOUN
ejge-8198	181	23	to	to	ADP
ejge-8198	181	24	credit	credit	NOUN
ejge-8198	181	25	among	among	ADP
ejge-8198	181	26	small	small	ADJ
ejge-8198	181	27	and	and	CCONJ
ejge-8198	181	28	medium	medium	ADJ
ejge-8198	181	29	scale	scale	NOUN
ejge-8198	181	30	enterprises	enterprise	NOUN
ejge-8198	181	31	in	in	ADP
ejge-8198	181	32	kitale	kitale	ADJ
ejge-8198	181	33	municipality	municipality	NOUN
ejge-8198	181	34	,	,	PUNCT
ejge-8198	181	35	and	and	CCONJ
ejge-8198	181	36	found	find	VERB
ejge-8198	181	37	out	out	ADP
ejge-8198	181	38	that	that	SCONJ
ejge-8198	181	39	collateral	collateral	ADJ
ejge-8198	181	40	requirements	requirement	NOUN
ejge-8198	181	41	by	by	ADP
ejge-8198	181	42	finance	finance	NOUN
ejge-8198	181	43	institutions	institution	NOUN
ejge-8198	181	44	significantly	significantly	ADV
ejge-8198	181	45	influence	influence	VERB
ejge-8198	181	46	access	access	NOUN
ejge-8198	181	47	to	to	ADP
ejge-8198	181	48	credit	credit	NOUN
ejge-8198	181	49	facilitiesby	facilitiesby	ADJ
ejge-8198	181	50	sme	sme	NOUN
ejge-8198	181	51	from	from	ADP
ejge-8198	181	52	financial	financial	ADJ
ejge-8198	181	53	institutions	institution	NOUN
ejge-8198	181	54	.	.	PUNCT
ejge-8198	182	1	also	also	ADV
ejge-8198	182	2	,	,	PUNCT
ejge-8198	182	3	the	the	DET
ejge-8198	182	4	coefficient	coefficient	NOUN
ejge-8198	182	5	of	of	ADP
ejge-8198	182	6	high	high	ADJ
ejge-8198	182	7	interest	interest	NOUN
ejge-8198	182	8	rate	rate	NOUN
ejge-8198	182	9	was	be	AUX
ejge-8198	182	10	found	find	VERB
ejge-8198	182	11	to	to	PART
ejge-8198	182	12	be	be	AUX
ejge-8198	182	13	negative	negative	ADJ
ejge-8198	182	14	and	and	CCONJ
ejge-8198	182	15	statistically	statistically	ADV
ejge-8198	182	16	significant	significant	ADJ
ejge-8198	182	17	at	at	ADP
ejge-8198	182	18	1	1	NUM
ejge-8198	182	19	%	%	NOUN
ejge-8198	182	20	with	with	ADP
ejge-8198	182	21	a	a	DET
ejge-8198	182	22	value	value	NOUN
ejge-8198	182	23	of	of	ADP
ejge-8198	182	24	-3.137	-3.137	PROPN
ejge-8198	182	25	.	.	PUNCT
ejge-8198	183	1	this	this	DET
ejge-8198	183	2	result	result	NOUN
ejge-8198	183	3	conforms	conform	VERB
ejge-8198	183	4	to	to	ADP
ejge-8198	183	5	a	a	DET
ejge-8198	183	6	priori	priori	ADJ
ejge-8198	183	7	expectations	expectation	NOUN
ejge-8198	183	8	as	as	ADP
ejge-8198	183	9	higher	high	ADJ
ejge-8198	183	10	interest	interest	NOUN
ejge-8198	183	11	will	will	AUX
ejge-8198	183	12	make	make	VERB
ejge-8198	183	13	women	woman	NOUN
ejge-8198	183	14	entrepreneurs	entrepreneur	NOUN
ejge-8198	183	15	to	to	PART
ejge-8198	183	16	be	be	AUX
ejge-8198	183	17	less	less	ADV
ejge-8198	183	18	willing	willing	ADJ
ejge-8198	183	19	to	to	PART
ejge-8198	183	20	accept	accept	VERB
ejge-8198	183	21	/	/	SYM
ejge-8198	183	22	collect	collect	VERB
ejge-8198	183	23	loans	loan	NOUN
ejge-8198	183	24	from	from	ADP
ejge-8198	183	25	financial	financial	ADJ
ejge-8198	183	26	institutions	institution	NOUN
ejge-8198	183	27	.	.	PUNCT
ejge-8198	184	1	this	this	PRON
ejge-8198	184	2	implies	imply	VERB
ejge-8198	184	3	that	that	SCONJ
ejge-8198	184	4	with	with	ADP
ejge-8198	184	5	high	high	ADJ
ejge-8198	184	6	interest	interest	NOUN
ejge-8198	184	7	rates	rate	NOUN
ejge-8198	184	8	,	,	PUNCT
ejge-8198	184	9	women	woman	NOUN
ejge-8198	184	10	entrepreneurs	entrepreneur	NOUN
ejge-8198	184	11	are	be	AUX
ejge-8198	184	12	less	less	ADV
ejge-8198	184	13	willing	willing	ADJ
ejge-8198	184	14	to	to	PART
ejge-8198	184	15	collect	collect	VERB
ejge-8198	184	16	loans	loan	NOUN
ejge-8198	184	17	from	from	ADP
ejge-8198	184	18	financial	financial	ADJ
ejge-8198	184	19	institutions	institution	NOUN
ejge-8198	184	20	.	.	PUNCT
ejge-8198	185	1	interests	interest	NOUN
ejge-8198	185	2	prove	prove	VERB
ejge-8198	185	3	to	to	PART
ejge-8198	185	4	be	be	AUX
ejge-8198	185	5	a	a	DET
ejge-8198	185	6	significant	significant	ADJ
ejge-8198	185	7	factor	factor	NOUN
ejge-8198	185	8	in	in	ADP
ejge-8198	185	9	women	woman	NOUN
ejge-8198	185	10	's	's	PART
ejge-8198	185	11	decision	decision	NOUN
ejge-8198	185	12	to	to	PART
ejge-8198	185	13	accept	accept	VERB
ejge-8198	185	14	loans	loan	NOUN
ejge-8198	185	15	from	from	ADP
ejge-8198	185	16	financial	financial	ADJ
ejge-8198	185	17	institutions	institution	NOUN
ejge-8198	185	18	or	or	CCONJ
ejge-8198	185	19	not	not	PART
ejge-8198	185	20	.	.	PUNCT
ejge-8198	186	1	in	in	ADP
ejge-8198	186	2	addition	addition	NOUN
ejge-8198	186	3	,	,	PUNCT
ejge-8198	186	4	the	the	DET
ejge-8198	186	5	coefficient	coefficient	NOUN
ejge-8198	186	6	of	of	ADP
ejge-8198	186	7	the	the	DET
ejge-8198	186	8	variable	variable	ADJ
ejge-8198	186	9	length	length	NOUN
ejge-8198	186	10	of	of	ADP
ejge-8198	186	11	repayment	repayment	NOUN
ejge-8198	186	12	is	be	AUX
ejge-8198	186	13	positive	positive	ADJ
ejge-8198	186	14	and	and	CCONJ
ejge-8198	186	15	statistically	statistically	ADV
ejge-8198	186	16	significant	significant	ADJ
ejge-8198	186	17	at	at	ADP
ejge-8198	186	18	1	1	NUM
ejge-8198	186	19	%	%	NOUN
ejge-8198	186	20	with	with	ADP
ejge-8198	186	21	a	a	DET
ejge-8198	186	22	value	value	NOUN
ejge-8198	186	23	of	of	ADP
ejge-8198	186	24	0.850	0.850	NUM
ejge-8198	186	25	.	.	PUNCT
ejge-8198	187	1	this	this	PRON
ejge-8198	187	2	implies	imply	VERB
ejge-8198	187	3	that	that	SCONJ
ejge-8198	187	4	the	the	DET
ejge-8198	187	5	length	length	NOUN
ejge-8198	187	6	of	of	ADP
ejge-8198	187	7	repayment	repayment	NOUN
ejge-8198	187	8	of	of	ADP
ejge-8198	187	9	loans	loan	NOUN
ejge-8198	187	10	is	be	AUX
ejge-8198	187	11	a	a	DET
ejge-8198	187	12	significant	significant	ADJ
ejge-8198	187	13	factor	factor	NOUN
ejge-8198	187	14	in	in	ADP
ejge-8198	187	15	determining	determine	VERB
ejge-8198	187	16	women	woman	NOUN
ejge-8198	187	17	's	's	PART
ejge-8198	187	18	willingness	willingness	NOUN
ejge-8198	187	19	to	to	PART
ejge-8198	187	20	accept	accept	VERB
ejge-8198	187	21	a	a	DET
ejge-8198	187	22	loan	loan	NOUN
ejge-8198	187	23	from	from	ADP
ejge-8198	187	24	financial	financial	ADJ
ejge-8198	187	25	institutions	institution	NOUN
ejge-8198	187	26	.	.	PUNCT
ejge-8198	188	1	the	the	DET
ejge-8198	188	2	result	result	NOUN
ejge-8198	188	3	shows	show	VERB
ejge-8198	188	4	that	that	SCONJ
ejge-8198	188	5	women	woman	NOUN
ejge-8198	188	6	are	be	AUX
ejge-8198	188	7	more	more	ADV
ejge-8198	188	8	willing	willing	ADJ
ejge-8198	188	9	to	to	PART
ejge-8198	188	10	accept	accept	VERB
ejge-8198	188	11	loans	loan	NOUN
ejge-8198	188	12	from	from	ADP
ejge-8198	188	13	a	a	DET
ejge-8198	188	14	financial	financial	ADJ
ejge-8198	188	15	institution	institution	NOUN
ejge-8198	188	16	when	when	SCONJ
ejge-8198	188	17	the	the	DET
ejge-8198	188	18	length	length	NOUN
ejge-8198	188	19	of	of	ADP
ejge-8198	188	20	repayment	repayment	NOUN
ejge-8198	188	21	is	be	AUX
ejge-8198	188	22	higher	high	ADJ
ejge-8198	188	23	.	.	PUNCT
ejge-8198	189	1	this	this	PRON
ejge-8198	189	2	should	should	AUX
ejge-8198	189	3	be	be	AUX
ejge-8198	189	4	a	a	DET
ejge-8198	189	5	stochastic	stochastic	ADJ
ejge-8198	189	6	variable	variable	NOUN
ejge-8198	189	7	as	as	ADP
ejge-8198	189	8	which	which	PRON
ejge-8198	189	9	it	it	PRON
ejge-8198	189	10	can	can	AUX
ejge-8198	189	11	take	take	VERB
ejge-8198	189	12	any	any	DET
ejge-8198	189	13	sign	sign	NOUN
ejge-8198	189	14	.	.	PUNCT
ejge-8198	190	1	by	by	ADP
ejge-8198	190	2	implication	implication	NOUN
ejge-8198	190	3	,	,	PUNCT
ejge-8198	190	4	if	if	SCONJ
ejge-8198	190	5	the	the	DET
ejge-8198	190	6	time	time	NOUN
ejge-8198	190	7	of	of	ADP
ejge-8198	190	8	repayment	repayment	NOUN
ejge-8198	190	9	is	be	AUX
ejge-8198	190	10	long	long	ADV
ejge-8198	190	11	enough	enough	ADV
ejge-8198	190	12	,	,	PUNCT
ejge-8198	190	13	women	woman	NOUN
ejge-8198	190	14	entrepreneurs	entrepreneur	NOUN
ejge-8198	190	15	could	could	AUX
ejge-8198	190	16	go	go	VERB
ejge-8198	190	17	for	for	ADP
ejge-8198	190	18	a	a	DET
ejge-8198	190	19	loan	loan	NOUN
ejge-8198	190	20	,	,	PUNCT
ejge-8198	190	21	and	and	CCONJ
ejge-8198	190	22	if	if	SCONJ
ejge-8198	190	23	the	the	DET
ejge-8198	190	24	length	length	NOUN
ejge-8198	190	25	of	of	ADP
ejge-8198	190	26	repayment	repayment	NOUN
ejge-8198	190	27	is	be	AUX
ejge-8198	190	28	short	short	ADJ
ejge-8198	190	29	,	,	PUNCT
ejge-8198	190	30	women	woman	NOUN
ejge-8198	190	31	entrepreneurs	entrepreneur	NOUN
ejge-8198	190	32	will	will	AUX
ejge-8198	190	33	not	not	PART
ejge-8198	190	34	go	go	VERB
ejge-8198	190	35	for	for	ADP
ejge-8198	190	36	a	a	DET
ejge-8198	190	37	loan	loan	NOUN
ejge-8198	190	38	.	.	PUNCT
ejge-8198	191	1	also	also	ADV
ejge-8198	191	2	,	,	PUNCT
ejge-8198	191	3	accessibility	accessibility	NOUN
ejge-8198	191	4	of	of	ADP
ejge-8198	191	5	financial	financial	ADJ
ejge-8198	191	6	institutions	institution	NOUN
ejge-8198	191	7	has	have	VERB
ejge-8198	191	8	a	a	DET
ejge-8198	191	9	negative	negative	ADJ
ejge-8198	191	10	coefficient	coefficient	NOUN
ejge-8198	191	11	value	value	NOUN
ejge-8198	191	12	of	of	ADP
ejge-8198	191	13	-10.59	-10.59	PUNCT
ejge-8198	191	14	and	and	CCONJ
ejge-8198	191	15	found	find	VERB
ejge-8198	191	16	a.	a.	PROPN
ejge-8198	191	17	h.	h.	PROPN
ejge-8198	191	18	danlami	danlami	PROPN
ejge-8198	191	19	and	and	CCONJ
ejge-8198	191	20	r.	r.	PROPN
ejge-8198	191	21	bashir	bashir	PROPN
ejge-8198	191	22	/	/	SYM
ejge-8198	191	23	european	european	PROPN
ejge-8198	191	24	journal	journal	PROPN
ejge-8198	191	25	of	of	ADP
ejge-8198	191	26	government	government	NOUN
ejge-8198	191	27	and	and	CCONJ
ejge-8198	191	28	economics	economic	NOUN
ejge-8198	191	29	11(1	11(1	NUM
ejge-8198	191	30	)	)	PUNCT
ejge-8198	191	31	,	,	PUNCT
ejge-8198	191	32	june	june	PROPN
ejge-8198	191	33	2022	2022	NUM
ejge-8198	191	34	,	,	PUNCT
ejge-8198	191	35	97	97	NUM
ejge-8198	191	36	-	-	SYM
ejge-8198	191	37	112	112	NUM
ejge-8198	191	38	109	109	NUM
ejge-8198	191	39	to	to	PART
ejge-8198	191	40	be	be	AUX
ejge-8198	191	41	statistically	statistically	ADV
ejge-8198	191	42	significant	significant	ADJ
ejge-8198	191	43	at	at	ADP
ejge-8198	191	44	1	1	NUM
ejge-8198	191	45	%	%	NOUN
ejge-8198	191	46	.	.	PUNCT
ejge-8198	192	1	the	the	DET
ejge-8198	192	2	variable	variable	ADJ
ejge-8198	192	3	accessibility	accessibility	NOUN
ejge-8198	192	4	of	of	ADP
ejge-8198	192	5	financial	financial	ADJ
ejge-8198	192	6	institutions	institution	NOUN
ejge-8198	192	7	as	as	SCONJ
ejge-8198	192	8	proved	prove	VERB
ejge-8198	192	9	to	to	PART
ejge-8198	192	10	be	be	AUX
ejge-8198	192	11	a	a	DET
ejge-8198	192	12	significant	significant	ADJ
ejge-8198	192	13	factor	factor	NOUN
ejge-8198	192	14	that	that	PRON
ejge-8198	192	15	determines	determine	VERB
ejge-8198	192	16	women	woman	NOUN
ejge-8198	192	17	entrepreneurs	entrepreneur	NOUN
ejge-8198	192	18	’	'	PUNCT
ejge-8198	192	19	willingness	willingness	NOUN
ejge-8198	192	20	to	to	PART
ejge-8198	192	21	accept	accept	VERB
ejge-8198	192	22	loans	loan	NOUN
ejge-8198	192	23	from	from	ADP
ejge-8198	192	24	financial	financial	ADJ
ejge-8198	192	25	institutions	institution	NOUN
ejge-8198	192	26	.	.	PUNCT
ejge-8198	193	1	the	the	DET
ejge-8198	193	2	results	result	NOUN
ejge-8198	193	3	show	show	VERB
ejge-8198	193	4	that	that	SCONJ
ejge-8198	193	5	the	the	DET
ejge-8198	193	6	less	less	ADV
ejge-8198	193	7	accessible	accessible	ADJ
ejge-8198	193	8	the	the	DET
ejge-8198	193	9	financial	financial	ADJ
ejge-8198	193	10	institutions	institution	NOUN
ejge-8198	193	11	the	the	DET
ejge-8198	193	12	less	less	ADV
ejge-8198	193	13	willing	willing	ADJ
ejge-8198	193	14	women	woman	NOUN
ejge-8198	193	15	are	be	AUX
ejge-8198	193	16	to	to	PART
ejge-8198	193	17	accept	accept	VERB
ejge-8198	193	18	a	a	DET
ejge-8198	193	19	loan	loan	NOUN
ejge-8198	193	20	from	from	ADP
ejge-8198	193	21	the	the	DET
ejge-8198	193	22	financial	financial	ADJ
ejge-8198	193	23	institutions	institution	NOUN
ejge-8198	193	24	.	.	PUNCT
ejge-8198	194	1	the	the	DET
ejge-8198	194	2	sign	sign	NOUN
ejge-8198	194	3	of	of	ADP
ejge-8198	194	4	the	the	DET
ejge-8198	194	5	coefficient	coefficient	NOUN
ejge-8198	194	6	is	be	AUX
ejge-8198	194	7	negative	negative	ADJ
ejge-8198	194	8	,	,	PUNCT
ejge-8198	194	9	which	which	PRON
ejge-8198	194	10	does	do	AUX
ejge-8198	194	11	n’t	not	PART
ejge-8198	194	12	conform	conform	VERB
ejge-8198	194	13	with	with	ADP
ejge-8198	194	14	the	the	DET
ejge-8198	194	15	prior	prior	ADJ
ejge-8198	194	16	expectation	expectation	NOUN
ejge-8198	194	17	because	because	SCONJ
ejge-8198	194	18	accessibility	accessibility	NOUN
ejge-8198	194	19	to	to	ADP
ejge-8198	194	20	financial	financial	ADJ
ejge-8198	194	21	institutions	institution	NOUN
ejge-8198	194	22	should	should	AUX
ejge-8198	194	23	encourage	encourage	VERB
ejge-8198	194	24	women	woman	NOUN
ejge-8198	194	25	entrepreneurs	entrepreneur	NOUN
ejge-8198	194	26	to	to	PART
ejge-8198	194	27	accept	accept	VERB
ejge-8198	194	28	a	a	DET
ejge-8198	194	29	loan	loan	NOUN
ejge-8198	194	30	,	,	PUNCT
ejge-8198	194	31	the	the	DET
ejge-8198	194	32	negative	negative	ADJ
ejge-8198	194	33	sign	sign	NOUN
ejge-8198	194	34	may	may	AUX
ejge-8198	194	35	be	be	AUX
ejge-8198	194	36	due	due	ADJ
ejge-8198	194	37	to	to	ADP
ejge-8198	194	38	the	the	DET
ejge-8198	194	39	fact	fact	NOUN
ejge-8198	194	40	that	that	SCONJ
ejge-8198	194	41	women	woman	NOUN
ejge-8198	194	42	entrepreneurs	entrepreneur	NOUN
ejge-8198	194	43	are	be	AUX
ejge-8198	194	44	less	less	ADV
ejge-8198	194	45	willing	willing	ADJ
ejge-8198	194	46	to	to	PART
ejge-8198	194	47	accept	accept	VERB
ejge-8198	194	48	loans	loan	NOUN
ejge-8198	194	49	because	because	SCONJ
ejge-8198	194	50	the	the	DET
ejge-8198	194	51	financial	financial	ADJ
ejge-8198	194	52	institutions	institution	NOUN
ejge-8198	194	53	are	be	AUX
ejge-8198	194	54	close	close	ADJ
ejge-8198	194	55	to	to	ADP
ejge-8198	194	56	them	they	PRON
ejge-8198	194	57	.	.	PUNCT
ejge-8198	195	1	also	also	ADV
ejge-8198	195	2	,	,	PUNCT
ejge-8198	195	3	education	education	NOUN
ejge-8198	195	4	has	have	VERB
ejge-8198	195	5	a	a	DET
ejge-8198	195	6	negative	negative	ADJ
ejge-8198	195	7	coefficient	coefficient	NOUN
ejge-8198	195	8	of	of	ADP
ejge-8198	195	9	-0.541	-0.541	PUNCT
ejge-8198	195	10	and	and	CCONJ
ejge-8198	195	11	is	be	AUX
ejge-8198	195	12	statistically	statistically	ADV
ejge-8198	195	13	significant	significant	ADJ
ejge-8198	195	14	at	at	ADP
ejge-8198	195	15	1	1	NUM
ejge-8198	195	16	%	%	NOUN
ejge-8198	195	17	,	,	PUNCT
ejge-8198	195	18	which	which	PRON
ejge-8198	195	19	implies	imply	VERB
ejge-8198	195	20	that	that	SCONJ
ejge-8198	195	21	education	education	NOUN
ejge-8198	195	22	is	be	AUX
ejge-8198	195	23	a	a	DET
ejge-8198	195	24	significant	significant	ADJ
ejge-8198	195	25	factor	factor	NOUN
ejge-8198	195	26	that	that	PRON
ejge-8198	195	27	determines	determine	VERB
ejge-8198	195	28	women	woman	NOUN
ejge-8198	195	29	entrepreneurs	entrepreneur	NOUN
ejge-8198	195	30	’	'	PUNCT
ejge-8198	195	31	willingness	willingness	NOUN
ejge-8198	195	32	to	to	PART
ejge-8198	195	33	accept	accept	VERB
ejge-8198	195	34	loans	loan	NOUN
ejge-8198	195	35	from	from	ADP
ejge-8198	195	36	financial	financial	ADJ
ejge-8198	195	37	institutions	institution	NOUN
ejge-8198	195	38	.	.	PUNCT
ejge-8198	196	1	the	the	DET
ejge-8198	196	2	sign	sign	NOUN
ejge-8198	196	3	is	be	AUX
ejge-8198	196	4	a	a	DET
ejge-8198	196	5	stochastic	stochastic	ADJ
ejge-8198	196	6	variable	variable	NOUN
ejge-8198	196	7	which	which	PRON
ejge-8198	196	8	may	may	AUX
ejge-8198	196	9	take	take	VERB
ejge-8198	196	10	any	any	DET
ejge-8198	196	11	sign	sign	NOUN
ejge-8198	196	12	as	as	SCONJ
ejge-8198	196	13	an	an	DET
ejge-8198	196	14	educated	educate	VERB
ejge-8198	196	15	person	person	NOUN
ejge-8198	196	16	may	may	AUX
ejge-8198	196	17	be	be	AUX
ejge-8198	196	18	willing	willing	ADJ
ejge-8198	196	19	to	to	PART
ejge-8198	196	20	accept	accept	VERB
ejge-8198	196	21	or	or	CCONJ
ejge-8198	196	22	decline	decline	VERB
ejge-8198	196	23	a	a	DET
ejge-8198	196	24	loan	loan	NOUN
ejge-8198	196	25	offer	offer	NOUN
ejge-8198	196	26	depending	depend	VERB
ejge-8198	196	27	on	on	ADP
ejge-8198	196	28	other	other	ADJ
ejge-8198	196	29	factors	factor	NOUN
ejge-8198	196	30	she	she	PRON
ejge-8198	196	31	may	may	AUX
ejge-8198	196	32	be	be	AUX
ejge-8198	196	33	looking	look	VERB
ejge-8198	196	34	at	at	ADP
ejge-8198	196	35	.	.	PUNCT
ejge-8198	197	1	the	the	DET
ejge-8198	197	2	result	result	NOUN
ejge-8198	197	3	shows	show	VERB
ejge-8198	197	4	that	that	SCONJ
ejge-8198	197	5	the	the	PRON
ejge-8198	197	6	higher	high	ADJ
ejge-8198	197	7	the	the	DET
ejge-8198	197	8	level	level	NOUN
ejge-8198	197	9	of	of	ADP
ejge-8198	197	10	education	education	NOUN
ejge-8198	197	11	the	the	DET
ejge-8198	197	12	less	less	ADV
ejge-8198	197	13	willing	willing	ADJ
ejge-8198	197	14	the	the	DET
ejge-8198	197	15	women	woman	NOUN
ejge-8198	197	16	entrepreneurs	entrepreneur	NOUN
ejge-8198	197	17	to	to	PART
ejge-8198	197	18	accept	accept	VERB
ejge-8198	197	19	loans	loan	NOUN
ejge-8198	197	20	from	from	ADP
ejge-8198	197	21	financial	financial	ADJ
ejge-8198	197	22	institutions	institution	NOUN
ejge-8198	197	23	.	.	PUNCT
ejge-8198	198	1	this	this	DET
ejge-8198	198	2	finding	finding	NOUN
ejge-8198	198	3	is	be	AUX
ejge-8198	198	4	in	in	ADP
ejge-8198	198	5	line	line	NOUN
ejge-8198	198	6	with	with	ADP
ejge-8198	198	7	the	the	DET
ejge-8198	198	8	work	work	NOUN
ejge-8198	198	9	of	of	ADP
ejge-8198	198	10	kweyu	kweyu	NOUN
ejge-8198	198	11	(	(	PUNCT
ejge-8198	198	12	2017	2017	NUM
ejge-8198	198	13	)	)	PUNCT
ejge-8198	198	14	,	,	PUNCT
ejge-8198	198	15	who	who	PRON
ejge-8198	198	16	posited	posit	VERB
ejge-8198	198	17	that	that	SCONJ
ejge-8198	198	18	education	education	NOUN
ejge-8198	198	19	level	level	NOUN
ejge-8198	198	20	has	have	VERB
ejge-8198	198	21	a	a	DET
ejge-8198	198	22	significant	significant	ADJ
ejge-8198	198	23	influence	influence	NOUN
ejge-8198	198	24	on	on	ADP
ejge-8198	198	25	women	woman	NOUN
ejge-8198	198	26	's	's	PART
ejge-8198	198	27	access	access	NOUN
ejge-8198	198	28	to	to	ADP
ejge-8198	198	29	credit	credit	NOUN
ejge-8198	198	30	facilities	facility	NOUN
ejge-8198	198	31	.	.	PUNCT
ejge-8198	199	1	likewise	likewise	ADV
ejge-8198	199	2	,	,	PUNCT
ejge-8198	199	3	the	the	DET
ejge-8198	199	4	coefficient	coefficient	NOUN
ejge-8198	199	5	of	of	ADP
ejge-8198	199	6	religion	religion	NOUN
ejge-8198	199	7	is	be	AUX
ejge-8198	199	8	-4.292	-4.292	PUNCT
ejge-8198	199	9	and	and	CCONJ
ejge-8198	199	10	was	be	AUX
ejge-8198	199	11	found	find	VERB
ejge-8198	199	12	to	to	PART
ejge-8198	199	13	be	be	AUX
ejge-8198	199	14	negative	negative	ADJ
ejge-8198	199	15	and	and	CCONJ
ejge-8198	199	16	statistically	statistically	ADV
ejge-8198	199	17	significant	significant	ADJ
ejge-8198	199	18	at	at	ADP
ejge-8198	199	19	5	5	NUM
ejge-8198	199	20	%	%	NOUN
ejge-8198	199	21	.	.	PUNCT
ejge-8198	200	1	the	the	DET
ejge-8198	200	2	variable	variable	NOUN
ejge-8198	200	3	conforms	conform	VERB
ejge-8198	200	4	to	to	ADP
ejge-8198	200	5	the	the	DET
ejge-8198	200	6	a	a	DET
ejge-8198	200	7	priori	priori	ADJ
ejge-8198	200	8	expectation	expectation	NOUN
ejge-8198	200	9	since	since	SCONJ
ejge-8198	200	10	religion	religion	NOUN
ejge-8198	200	11	has	have	AUX
ejge-8198	200	12	distanced	distance	VERB
ejge-8198	200	13	itself	itself	PRON
ejge-8198	200	14	from	from	ADP
ejge-8198	200	15	loans	loan	NOUN
ejge-8198	200	16	with	with	ADP
ejge-8198	200	17	interest	interest	NOUN
ejge-8198	200	18	.	.	PUNCT
ejge-8198	201	1	the	the	DET
ejge-8198	201	2	variable	variable	NOUN
ejge-8198	201	3	has	have	AUX
ejge-8198	201	4	proved	prove	VERB
ejge-8198	201	5	to	to	PART
ejge-8198	201	6	be	be	AUX
ejge-8198	201	7	a	a	DET
ejge-8198	201	8	significant	significant	ADJ
ejge-8198	201	9	factor	factor	NOUN
ejge-8198	201	10	that	that	PRON
ejge-8198	201	11	determines	determine	VERB
ejge-8198	201	12	the	the	DET
ejge-8198	201	13	women	woman	NOUN
ejge-8198	201	14	entrepreneur	entrepreneur	NOUN
ejge-8198	201	15	's	's	PART
ejge-8198	201	16	willingness	willingness	NOUN
ejge-8198	201	17	to	to	PART
ejge-8198	201	18	accept	accept	VERB
ejge-8198	201	19	a	a	DET
ejge-8198	201	20	loan	loan	NOUN
ejge-8198	201	21	from	from	ADP
ejge-8198	201	22	financial	financial	ADJ
ejge-8198	201	23	institutions	institution	NOUN
ejge-8198	201	24	.	.	PUNCT
ejge-8198	202	1	due	due	ADP
ejge-8198	202	2	to	to	ADP
ejge-8198	202	3	religious	religious	ADJ
ejge-8198	202	4	regulations	regulation	NOUN
ejge-8198	202	5	,	,	PUNCT
ejge-8198	202	6	women	woman	NOUN
ejge-8198	202	7	entrepreneurs	entrepreneur	NOUN
ejge-8198	202	8	are	be	AUX
ejge-8198	202	9	less	less	ADV
ejge-8198	202	10	willing	willing	ADJ
ejge-8198	202	11	to	to	PART
ejge-8198	202	12	accept	accept	VERB
ejge-8198	202	13	a	a	DET
ejge-8198	202	14	loan	loan	NOUN
ejge-8198	202	15	from	from	ADP
ejge-8198	202	16	financial	financial	ADJ
ejge-8198	202	17	institutions	institution	NOUN
ejge-8198	202	18	.	.	PUNCT
ejge-8198	203	1	the	the	DET
ejge-8198	203	2	result	result	NOUN
ejge-8198	203	3	shows	show	VERB
ejge-8198	203	4	that	that	SCONJ
ejge-8198	203	5	igbo	igbo	ADJ
ejge-8198	203	6	women	woman	NOUN
ejge-8198	203	7	entrepreneurs	entrepreneur	NOUN
ejge-8198	203	8	are	be	AUX
ejge-8198	203	9	more	more	ADV
ejge-8198	203	10	likely	likely	ADJ
ejge-8198	203	11	to	to	PART
ejge-8198	203	12	accept	accept	VERB
ejge-8198	203	13	a	a	DET
ejge-8198	203	14	loan	loan	NOUN
ejge-8198	203	15	that	that	PRON
ejge-8198	203	16	other	other	ADJ
ejge-8198	203	17	tribes	tribe	NOUN
ejge-8198	203	18	among	among	ADP
ejge-8198	203	19	the	the	DET
ejge-8198	203	20	respondents	respondent	NOUN
ejge-8198	203	21	.	.	PUNCT
ejge-8198	204	1	also	also	ADV
ejge-8198	204	2	,	,	PUNCT
ejge-8198	204	3	the	the	DET
ejge-8198	204	4	sign	sign	NOUN
ejge-8198	204	5	of	of	ADP
ejge-8198	204	6	the	the	DET
ejge-8198	204	7	coefficient	coefficient	NOUN
ejge-8198	204	8	of	of	ADP
ejge-8198	204	9	household	household	NOUN
ejge-8198	204	10	size	size	NOUN
ejge-8198	204	11	is	be	AUX
ejge-8198	204	12	positive	positive	ADJ
ejge-8198	204	13	and	and	CCONJ
ejge-8198	204	14	statistically	statistically	ADV
ejge-8198	204	15	significant	significant	ADJ
ejge-8198	204	16	at	at	ADP
ejge-8198	204	17	1	1	NUM
ejge-8198	204	18	%	%	NOUN
ejge-8198	204	19	.	.	PUNCT
ejge-8198	205	1	this	this	PRON
ejge-8198	205	2	conforms	conform	VERB
ejge-8198	205	3	to	to	ADP
ejge-8198	205	4	the	the	DET
ejge-8198	205	5	a	a	DET
ejge-8198	205	6	priori	priori	ADJ
ejge-8198	205	7	expectation	expectation	NOUN
ejge-8198	205	8	as	as	ADP
ejge-8198	205	9	persons	person	NOUN
ejge-8198	205	10	with	with	ADP
ejge-8198	205	11	larger	large	ADJ
ejge-8198	205	12	household	household	NOUN
ejge-8198	205	13	size	size	NOUN
ejge-8198	205	14	may	may	AUX
ejge-8198	205	15	seek	seek	VERB
ejge-8198	205	16	for	for	ADP
ejge-8198	205	17	loan	loan	NOUN
ejge-8198	205	18	to	to	PART
ejge-8198	205	19	maintain	maintain	VERB
ejge-8198	205	20	the	the	DET
ejge-8198	205	21	house	house	NOUN
ejge-8198	205	22	.	.	PUNCT
ejge-8198	206	1	the	the	DET
ejge-8198	206	2	results	result	NOUN
ejge-8198	206	3	show	show	VERB
ejge-8198	206	4	that	that	SCONJ
ejge-8198	206	5	the	the	DET
ejge-8198	206	6	larger	large	ADJ
ejge-8198	206	7	the	the	DET
ejge-8198	206	8	household	household	NOUN
ejge-8198	206	9	size	size	NOUN
ejge-8198	206	10	of	of	ADP
ejge-8198	206	11	the	the	DET
ejge-8198	206	12	women	woman	NOUN
ejge-8198	206	13	entrepreneur	entrepreneur	NOUN
ejge-8198	206	14	,	,	PUNCT
ejge-8198	206	15	the	the	PRON
ejge-8198	206	16	more	more	ADV
ejge-8198	206	17	willing	willing	ADJ
ejge-8198	206	18	they	they	PRON
ejge-8198	206	19	are	be	AUX
ejge-8198	206	20	to	to	PART
ejge-8198	206	21	collect	collect	VERB
ejge-8198	206	22	loans	loan	NOUN
ejge-8198	206	23	from	from	ADP
ejge-8198	206	24	financial	financial	ADJ
ejge-8198	206	25	institutions	institution	NOUN
ejge-8198	206	26	.	.	PUNCT
ejge-8198	207	1	this	this	DET
ejge-8198	207	2	finding	finding	NOUN
ejge-8198	207	3	is	be	AUX
ejge-8198	207	4	in	in	ADP
ejge-8198	207	5	line	line	NOUN
ejge-8198	207	6	with	with	ADP
ejge-8198	207	7	the	the	DET
ejge-8198	207	8	findings	finding	NOUN
ejge-8198	207	9	of	of	ADP
ejge-8198	207	10	boniface	boniface	NOUN
ejge-8198	207	11	(	(	PUNCT
ejge-8198	207	12	2012	2012	NUM
ejge-8198	207	13	)	)	PUNCT
ejge-8198	207	14	,	,	PUNCT
ejge-8198	207	15	who	who	PRON
ejge-8198	207	16	investigated	investigate	VERB
ejge-8198	207	17	the	the	DET
ejge-8198	207	18	effects	effect	NOUN
ejge-8198	207	19	of	of	ADP
ejge-8198	207	20	microcredit	microcredit	NOUN
ejge-8198	207	21	and	and	CCONJ
ejge-8198	207	22	social	social	ADJ
ejge-8198	207	23	capital	capital	NOUN
ejge-8198	207	24	on	on	ADP
ejge-8198	207	25	female	female	ADJ
ejge-8198	207	26	entrepreneurship	entrepreneurship	NOUN
ejge-8198	207	27	.	.	PUNCT
ejge-8198	208	1	he	he	PRON
ejge-8198	208	2	found	find	VERB
ejge-8198	208	3	out	out	ADP
ejge-8198	208	4	that	that	SCONJ
ejge-8198	208	5	household	household	NOUN
ejge-8198	208	6	size	size	NOUN
ejge-8198	208	7	has	have	VERB
ejge-8198	208	8	an	an	DET
ejge-8198	208	9	influence	influence	NOUN
ejge-8198	208	10	on	on	ADP
ejge-8198	208	11	access	access	NOUN
ejge-8198	208	12	to	to	ADP
ejge-8198	208	13	credit	credit	NOUN
ejge-8198	208	14	facilities	facility	NOUN
ejge-8198	208	15	by	by	ADP
ejge-8198	208	16	women	woman	NOUN
ejge-8198	208	17	entrepreneur	entrepreneur	NOUN
ejge-8198	208	18	the	the	DET
ejge-8198	208	19	findings	finding	NOUN
ejge-8198	208	20	from	from	ADP
ejge-8198	208	21	the	the	DET
ejge-8198	208	22	results	result	NOUN
ejge-8198	208	23	above	above	ADP
ejge-8198	208	24	show	show	VERB
ejge-8198	208	25	that	that	SCONJ
ejge-8198	208	26	women	woman	NOUN
ejge-8198	208	27	are	be	AUX
ejge-8198	208	28	not	not	PART
ejge-8198	208	29	likely	likely	ADJ
ejge-8198	208	30	to	to	PART
ejge-8198	208	31	collect	collect	VERB
ejge-8198	208	32	loans	loan	NOUN
ejge-8198	208	33	because	because	SCONJ
ejge-8198	208	34	of	of	ADP
ejge-8198	208	35	high	high	ADJ
ejge-8198	208	36	interest	interest	NOUN
ejge-8198	208	37	rates	rate	NOUN
ejge-8198	208	38	,	,	PUNCT
ejge-8198	208	39	irrespective	irrespective	ADV
ejge-8198	208	40	of	of	ADP
ejge-8198	208	41	demographic	demographic	ADJ
ejge-8198	208	42	characteristics	characteristic	NOUN
ejge-8198	208	43	.	.	PUNCT
ejge-8198	209	1	this	this	DET
ejge-8198	209	2	situation	situation	NOUN
ejge-8198	209	3	shows	show	VERB
ejge-8198	209	4	why	why	SCONJ
ejge-8198	209	5	all	all	DET
ejge-8198	209	6	the	the	DET
ejge-8198	209	7	religions	religion	NOUN
ejge-8198	209	8	and	and	CCONJ
ejge-8198	209	9	tribal	tribal	ADJ
ejge-8198	209	10	backgrounds	background	NOUN
ejge-8198	209	11	are	be	AUX
ejge-8198	209	12	against	against	ADP
ejge-8198	209	13	asking	ask	VERB
ejge-8198	209	14	and	and	CCONJ
ejge-8198	209	15	collecting	collect	VERB
ejge-8198	209	16	interest	interest	NOUN
ejge-8198	209	17	in	in	ADP
ejge-8198	209	18	business	business	NOUN
ejge-8198	209	19	activities	activity	NOUN
ejge-8198	209	20	.	.	PUNCT
ejge-8198	210	1	also	also	ADV
ejge-8198	210	2	,	,	PUNCT
ejge-8198	210	3	interest	interest	NOUN
ejge-8198	210	4	increase	increase	NOUN
ejge-8198	210	5	with	with	ADP
ejge-8198	210	6	time	time	NOUN
ejge-8198	210	7	,	,	PUNCT
ejge-8198	210	8	and	and	CCONJ
ejge-8198	210	9	most	most	ADJ
ejge-8198	210	10	women	woman	NOUN
ejge-8198	210	11	will	will	AUX
ejge-8198	210	12	find	find	VERB
ejge-8198	210	13	it	it	PRON
ejge-8198	210	14	difficult	difficult	ADJ
ejge-8198	210	15	to	to	PART
ejge-8198	210	16	pay	pay	VERB
ejge-8198	210	17	the	the	DET
ejge-8198	210	18	loans	loan	NOUN
ejge-8198	210	19	given	give	VERB
ejge-8198	210	20	the	the	DET
ejge-8198	210	21	increasing	increase	VERB
ejge-8198	210	22	interest	interest	NOUN
ejge-8198	210	23	rate	rate	NOUN
ejge-8198	210	24	.	.	PUNCT
ejge-8198	211	1	this	this	DET
ejge-8198	211	2	problem	problem	NOUN
ejge-8198	211	3	has	have	AUX
ejge-8198	211	4	affected	affect	VERB
ejge-8198	211	5	women	woman	NOUN
ejge-8198	211	6	entrepreneurs	entrepreneur	NOUN
ejge-8198	211	7	accessing	access	VERB
ejge-8198	211	8	loans	loan	NOUN
ejge-8198	211	9	from	from	ADP
ejge-8198	211	10	financial	financial	ADJ
ejge-8198	211	11	institutions	institution	NOUN
ejge-8198	211	12	.	.	PUNCT
ejge-8198	212	1	a.	a.	PROPN
ejge-8198	212	2	h.	h.	PROPN
ejge-8198	212	3	danlami	danlami	PROPN
ejge-8198	212	4	and	and	CCONJ
ejge-8198	212	5	r.	r.	PROPN
ejge-8198	212	6	bashir	bashir	PROPN
ejge-8198	212	7	/	/	SYM
ejge-8198	212	8	european	european	PROPN
ejge-8198	212	9	journal	journal	PROPN
ejge-8198	212	10	of	of	ADP
ejge-8198	212	11	government	government	NOUN
ejge-8198	212	12	and	and	CCONJ
ejge-8198	212	13	economics	economic	NOUN
ejge-8198	212	14	11(1	11(1	NUM
ejge-8198	212	15	)	)	PUNCT
ejge-8198	212	16	,	,	PUNCT
ejge-8198	212	17	june	june	PROPN
ejge-8198	212	18	2022	2022	NUM
ejge-8198	212	19	,	,	PUNCT
ejge-8198	212	20	97	97	NUM
ejge-8198	212	21	-	-	SYM
ejge-8198	212	22	112	112	NUM
ejge-8198	212	23	110	110	NUM
ejge-8198	212	24	4.3	4.3	NUM
ejge-8198	212	25	constraints	constraint	NOUN
ejge-8198	212	26	facing	face	VERB
ejge-8198	212	27	women	woman	NOUN
ejge-8198	212	28	entrepreneurs	entrepreneur	NOUN
ejge-8198	212	29	table	table	VERB
ejge-8198	212	30	4	4	NUM
ejge-8198	212	31	analyzes	analyze	VERB
ejge-8198	212	32	the	the	DET
ejge-8198	212	33	constraints	constraint	NOUN
ejge-8198	212	34	facing	face	VERB
ejge-8198	212	35	women	woman	NOUN
ejge-8198	212	36	entrepreneurs	entrepreneur	NOUN
ejge-8198	212	37	in	in	ADP
ejge-8198	212	38	kano	kano	PROPN
ejge-8198	212	39	metropolis	metropolis	PROPN
ejge-8198	212	40	,	,	PUNCT
ejge-8198	212	41	kano	kano	PROPN
ejge-8198	212	42	state	state	PROPN
ejge-8198	212	43	nigeria	nigeria	PROPN
ejge-8198	212	44	.	.	PUNCT
ejge-8198	213	1	table	table	NOUN
ejge-8198	213	2	4	4	NUM
ejge-8198	213	3	.	.	PUNCT
ejge-8198	214	1	constraints	constraint	NOUN
ejge-8198	214	2	to	to	ADP
ejge-8198	214	3	financial	financial	ADJ
ejge-8198	214	4	access	access	NOUN
ejge-8198	214	5	by	by	ADP
ejge-8198	214	6	women	woman	NOUN
ejge-8198	214	7	entrepreneurs	entrepreneur	NOUN
ejge-8198	214	8	in	in	ADP
ejge-8198	214	9	kano	kano	PROPN
ejge-8198	214	10	metropolis	metropolis	PROPN
ejge-8198	214	11	.	.	PUNCT
ejge-8198	215	1	constraints	constraint	NOUN
ejge-8198	215	2	frequency	frequency	NOUN
ejge-8198	215	3	percentages	percentage	NOUN
ejge-8198	215	4	cumbersome_procedure	cumbersome_procedure	NOUN
ejge-8198	215	5	254	254	NUM
ejge-8198	215	6	99.20	99.20	NUM
ejge-8198	215	7	%	%	NOUN
ejge-8198	215	8	high_interest_rates	high_interest_rates	PROPN
ejge-8198	215	9	262	262	NUM
ejge-8198	215	10	99.60	99.60	NUM
ejge-8198	215	11	%	%	NOUN
ejge-8198	215	12	small_loan_size	small_loan_size	VERB
ejge-8198	215	13	172	172	NUM
ejge-8198	215	14	57.53	57.53	NUM
ejge-8198	215	15	%	%	NOUN
ejge-8198	215	16	lack_of_collateral	lack_of_collateral	ADJ
ejge-8198	215	17	242	242	NUM
ejge-8198	215	18	76.10	76.10	NUM
ejge-8198	215	19	%	%	NOUN
ejge-8198	215	20	`	`	PUNCT
ejge-8198	215	21	business_plan	business_plan	PROPN
ejge-8198	215	22	236	236	NUM
ejge-8198	215	23	77.89	77.89	NUM
ejge-8198	215	24	%	%	NOUN
ejge-8198	215	25	religion_affiliation	religion_affiliation	NOUN
ejge-8198	215	26	243	243	NUM
ejge-8198	215	27	77.88	77.88	NUM
ejge-8198	215	28	%	%	NOUN
ejge-8198	215	29	inadequate	inadequate	ADJ
ejge-8198	215	30	capital	capital	NOUN
ejge-8198	215	31	242	242	NUM
ejge-8198	215	32	66.85	66.85	NUM
ejge-8198	215	33	%	%	NOUN
ejge-8198	215	34	poor	poor	ADJ
ejge-8198	215	35	patronage	patronage	NOUN
ejge-8198	215	36	120	120	NUM
ejge-8198	215	37	33.15	33.15	NUM
ejge-8198	215	38	%	%	NOUN
ejge-8198	215	39	total	total	NOUN
ejge-8198	215	40	1771	1771	NUM
ejge-8198	215	41	*	*	PUNCT
ejge-8198	215	42	note	note	NOUN
ejge-8198	215	43	:	:	PUNCT
ejge-8198	215	44	*	*	PUNCT
ejge-8198	215	45	indicates	indicate	VERB
ejge-8198	215	46	multiple	multiple	ADJ
ejge-8198	215	47	responses	response	NOUN
ejge-8198	215	48	table	table	NOUN
ejge-8198	215	49	4	4	NUM
ejge-8198	215	50	shows	show	VERB
ejge-8198	215	51	the	the	DET
ejge-8198	215	52	responses	response	NOUN
ejge-8198	215	53	on	on	ADP
ejge-8198	215	54	the	the	DET
ejge-8198	215	55	various	various	ADJ
ejge-8198	215	56	constraints	constraint	NOUN
ejge-8198	215	57	affecting	affect	VERB
ejge-8198	215	58	women	woman	NOUN
ejge-8198	215	59	entrepreneurs	entrepreneur	NOUN
ejge-8198	215	60	in	in	ADP
ejge-8198	215	61	kano	kano	PROPN
ejge-8198	215	62	metropolis	metropolis	PROPN
ejge-8198	215	63	,	,	PUNCT
ejge-8198	215	64	kano	kano	PROPN
ejge-8198	215	65	state	state	PROPN
ejge-8198	215	66	nigeria	nigeria	PROPN
ejge-8198	215	67	regarding	regard	VERB
ejge-8198	215	68	financial	financial	ADJ
ejge-8198	215	69	access	access	NOUN
ejge-8198	215	70	.	.	PUNCT
ejge-8198	216	1	the	the	DET
ejge-8198	216	2	results	result	NOUN
ejge-8198	216	3	show	show	VERB
ejge-8198	216	4	that	that	SCONJ
ejge-8198	216	5	254(99.2	254(99.2	NOUN
ejge-8198	216	6	%	%	NOUN
ejge-8198	216	7	)	)	PUNCT
ejge-8198	216	8	of	of	ADP
ejge-8198	216	9	the	the	DET
ejge-8198	216	10	respondents	respondent	NOUN
ejge-8198	216	11	identify	identify	VERB
ejge-8198	216	12	the	the	DET
ejge-8198	216	13	cumbersome	cumbersome	ADJ
ejge-8198	216	14	procedure	procedure	NOUN
ejge-8198	216	15	of	of	ADP
ejge-8198	216	16	collecting	collect	VERB
ejge-8198	216	17	loans	loan	NOUN
ejge-8198	216	18	from	from	ADP
ejge-8198	216	19	financial	financial	ADJ
ejge-8198	216	20	institutions	institution	NOUN
ejge-8198	216	21	as	as	ADP
ejge-8198	216	22	a	a	DET
ejge-8198	216	23	major	major	ADJ
ejge-8198	216	24	constraint	constraint	NOUN
ejge-8198	216	25	affecting	affect	VERB
ejge-8198	216	26	women	woman	NOUN
ejge-8198	216	27	entrepreneurs	entrepreneur	NOUN
ejge-8198	216	28	.	.	PUNCT
ejge-8198	217	1	this	this	PRON
ejge-8198	217	2	is	be	AUX
ejge-8198	217	3	because	because	SCONJ
ejge-8198	217	4	when	when	SCONJ
ejge-8198	217	5	the	the	DET
ejge-8198	217	6	women	woman	NOUN
ejge-8198	217	7	go	go	VERB
ejge-8198	217	8	for	for	ADP
ejge-8198	217	9	a	a	DET
ejge-8198	217	10	loan	loan	NOUN
ejge-8198	217	11	,	,	PUNCT
ejge-8198	217	12	they	they	PRON
ejge-8198	217	13	find	find	VERB
ejge-8198	217	14	the	the	DET
ejge-8198	217	15	procedures	procedure	NOUN
ejge-8198	217	16	too	too	ADV
ejge-8198	217	17	much	much	ADV
ejge-8198	217	18	to	to	PART
ejge-8198	217	19	stressful	stressful	ADJ
ejge-8198	217	20	.	.	PUNCT
ejge-8198	218	1	also	also	ADV
ejge-8198	218	2	,	,	PUNCT
ejge-8198	218	3	262(99.6	262(99.6	PROPN
ejge-8198	218	4	%	%	NOUN
ejge-8198	218	5	)	)	PUNCT
ejge-8198	218	6	identify	identify	VERB
ejge-8198	218	7	high	high	ADJ
ejge-8198	218	8	interest	interest	NOUN
ejge-8198	218	9	rates	rate	NOUN
ejge-8198	218	10	as	as	ADP
ejge-8198	218	11	a	a	DET
ejge-8198	218	12	major	major	ADJ
ejge-8198	218	13	constraint	constraint	NOUN
ejge-8198	218	14	affecting	affect	VERB
ejge-8198	218	15	women	woman	NOUN
ejge-8198	218	16	entrepreneurs	entrepreneur	NOUN
ejge-8198	218	17	'	'	PART
ejge-8198	218	18	access	access	NOUN
ejge-8198	218	19	to	to	ADP
ejge-8198	218	20	credit	credit	NOUN
ejge-8198	218	21	facilities	facility	NOUN
ejge-8198	218	22	in	in	ADP
ejge-8198	218	23	kano	kano	PROPN
ejge-8198	218	24	metropolis	metropolis	PROPN
ejge-8198	218	25	.	.	PUNCT
ejge-8198	219	1	the	the	DET
ejge-8198	219	2	level	level	NOUN
ejge-8198	219	3	of	of	ADP
ejge-8198	219	4	interest	interest	NOUN
ejge-8198	219	5	has	have	AUX
ejge-8198	219	6	not	not	PART
ejge-8198	219	7	allowed	allow	VERB
ejge-8198	219	8	most	most	ADJ
ejge-8198	219	9	women	woman	NOUN
ejge-8198	219	10	entrepreneurs	entrepreneur	NOUN
ejge-8198	219	11	to	to	PART
ejge-8198	219	12	seek	seek	VERB
ejge-8198	219	13	loan	loan	NOUN
ejge-8198	219	14	from	from	ADP
ejge-8198	219	15	financial	financial	ADJ
ejge-8198	219	16	institutions	institution	NOUN
ejge-8198	219	17	.	.	PUNCT
ejge-8198	220	1	this	this	PRON
ejge-8198	220	2	is	be	AUX
ejge-8198	220	3	due	due	ADJ
ejge-8198	220	4	to	to	ADP
ejge-8198	220	5	their	their	PRON
ejge-8198	220	6	low	low	ADJ
ejge-8198	220	7	returns	return	NOUN
ejge-8198	220	8	on	on	ADP
ejge-8198	220	9	profit	profit	NOUN
ejge-8198	220	10	to	to	PART
ejge-8198	220	11	even	even	ADV
ejge-8198	220	12	pay	pay	VERB
ejge-8198	220	13	back	back	ADP
ejge-8198	220	14	the	the	DET
ejge-8198	220	15	loan	loan	NOUN
ejge-8198	220	16	.	.	PUNCT
ejge-8198	221	1	in	in	ADP
ejge-8198	221	2	addition	addition	NOUN
ejge-8198	221	3	,	,	PUNCT
ejge-8198	221	4	172(57.53	172(57.53	NUM
ejge-8198	221	5	%	%	NOUN
ejge-8198	221	6	)	)	PUNCT
ejge-8198	221	7	of	of	ADP
ejge-8198	221	8	the	the	DET
ejge-8198	221	9	respondents	respondent	NOUN
ejge-8198	221	10	identify	identify	VERB
ejge-8198	221	11	that	that	DET
ejge-8198	221	12	small	small	ADJ
ejge-8198	221	13	loan	loan	NOUN
ejge-8198	221	14	size	size	NOUN
ejge-8198	221	15	is	be	AUX
ejge-8198	221	16	a	a	DET
ejge-8198	221	17	constrain	constrain	NOUN
ejge-8198	221	18	affecting	affect	VERB
ejge-8198	221	19	women	woman	NOUN
ejge-8198	221	20	entrepreneurs	entrepreneur	NOUN
ejge-8198	221	21	'	'	PART
ejge-8198	221	22	access	access	NOUN
ejge-8198	221	23	to	to	ADP
ejge-8198	221	24	credit	credit	NOUN
ejge-8198	221	25	facilities	facility	NOUN
ejge-8198	221	26	in	in	ADP
ejge-8198	221	27	kano	kano	PROPN
ejge-8198	221	28	metropolis	metropolis	PROPN
ejge-8198	221	29	.	.	PUNCT
ejge-8198	222	1	this	this	PRON
ejge-8198	222	2	is	be	AUX
ejge-8198	222	3	because	because	SCONJ
ejge-8198	222	4	women	woman	NOUN
ejge-8198	222	5	entrepreneurs	entrepreneur	NOUN
ejge-8198	222	6	want	want	VERB
ejge-8198	222	7	a	a	DET
ejge-8198	222	8	larger	large	ADJ
ejge-8198	222	9	loan	loan	NOUN
ejge-8198	222	10	to	to	PART
ejge-8198	222	11	expand	expand	VERB
ejge-8198	222	12	their	their	PRON
ejge-8198	222	13	businesses	business	NOUN
ejge-8198	222	14	but	but	CCONJ
ejge-8198	222	15	can	can	AUX
ejge-8198	222	16	not	not	PART
ejge-8198	222	17	get	get	VERB
ejge-8198	222	18	that	that	DET
ejge-8198	222	19	amount	amount	NOUN
ejge-8198	222	20	from	from	ADP
ejge-8198	222	21	financial	financial	ADJ
ejge-8198	222	22	institutions	institution	NOUN
ejge-8198	222	23	.	.	PUNCT
ejge-8198	223	1	also	also	ADV
ejge-8198	223	2	,	,	PUNCT
ejge-8198	223	3	242(76.10	242(76.10	NUM
ejge-8198	223	4	%	%	NOUN
ejge-8198	223	5	`	`	PUNCT
ejge-8198	223	6	)	)	PUNCT
ejge-8198	223	7	of	of	ADP
ejge-8198	223	8	the	the	DET
ejge-8198	223	9	respondents	respondent	NOUN
ejge-8198	223	10	identify	identify	VERB
ejge-8198	223	11	the	the	DET
ejge-8198	223	12	inability	inability	NOUN
ejge-8198	223	13	to	to	PART
ejge-8198	223	14	get	get	VERB
ejge-8198	223	15	collateral	collateral	NOUN
ejge-8198	223	16	as	as	ADP
ejge-8198	223	17	a	a	DET
ejge-8198	223	18	constraint	constraint	NOUN
ejge-8198	223	19	on	on	ADP
ejge-8198	223	20	women	woman	NOUN
ejge-8198	223	21	entrepreneurs	entrepreneur	NOUN
ejge-8198	223	22	'	'	PART
ejge-8198	223	23	access	access	NOUN
ejge-8198	223	24	to	to	ADP
ejge-8198	223	25	credit	credit	NOUN
ejge-8198	223	26	facilities	facility	NOUN
ejge-8198	223	27	.	.	PUNCT
ejge-8198	224	1	this	this	PRON
ejge-8198	224	2	is	be	AUX
ejge-8198	224	3	because	because	SCONJ
ejge-8198	224	4	demand	demand	NOUN
ejge-8198	224	5	for	for	ADP
ejge-8198	224	6	collateral	collateral	NOUN
ejge-8198	224	7	when	when	SCONJ
ejge-8198	224	8	the	the	DET
ejge-8198	224	9	majority	majority	NOUN
ejge-8198	224	10	of	of	ADP
ejge-8198	224	11	women	woman	NOUN
ejge-8198	224	12	entrepreneurs	entrepreneur	NOUN
ejge-8198	224	13	in	in	ADP
ejge-8198	224	14	kano	kano	PROPN
ejge-8198	224	15	metropolis	metropolis	PROPN
ejge-8198	224	16	is	be	AUX
ejge-8198	224	17	small	small	ADJ
ejge-8198	224	18	scale	scale	NOUN
ejge-8198	224	19	businesswomen	businesswoman	NOUN
ejge-8198	224	20	with	with	ADP
ejge-8198	224	21	little	little	ADJ
ejge-8198	224	22	or	or	CCONJ
ejge-8198	224	23	no	no	PRON
ejge-8198	224	24	collateral	collateral	NOUN
ejge-8198	224	25	.	.	PUNCT
ejge-8198	225	1	while	while	SCONJ
ejge-8198	225	2	236(77.89	236(77.89	NUM
ejge-8198	225	3	%	%	NOUN
ejge-8198	225	4	)	)	PUNCT
ejge-8198	225	5	of	of	ADP
ejge-8198	225	6	the	the	DET
ejge-8198	225	7	respondents	respondent	NOUN
ejge-8198	225	8	identify	identify	VERB
ejge-8198	225	9	the	the	DET
ejge-8198	225	10	inability	inability	NOUN
ejge-8198	225	11	to	to	PART
ejge-8198	225	12	draw	draw	VERB
ejge-8198	225	13	a	a	DET
ejge-8198	225	14	business	business	NOUN
ejge-8198	225	15	plan	plan	NOUN
ejge-8198	225	16	as	as	ADP
ejge-8198	225	17	another	another	DET
ejge-8198	225	18	constraint	constraint	NOUN
ejge-8198	225	19	on	on	ADP
ejge-8198	225	20	women	woman	NOUN
ejge-8198	225	21	entrepreneurs	entrepreneur	NOUN
ejge-8198	225	22	'	'	PART
ejge-8198	225	23	access	access	NOUN
ejge-8198	225	24	to	to	ADP
ejge-8198	225	25	credit	credit	NOUN
ejge-8198	225	26	facilities	facility	NOUN
ejge-8198	225	27	.	.	PUNCT
ejge-8198	226	1	this	this	PRON
ejge-8198	226	2	is	be	AUX
ejge-8198	226	3	because	because	SCONJ
ejge-8198	226	4	majority	majority	NOUN
ejge-8198	226	5	of	of	ADP
ejge-8198	226	6	the	the	DET
ejge-8198	226	7	women	woman	NOUN
ejge-8198	226	8	do	do	AUX
ejge-8198	226	9	n’t	not	PART
ejge-8198	226	10	have	have	VERB
ejge-8198	226	11	the	the	DET
ejge-8198	226	12	requisite	requisite	ADJ
ejge-8198	226	13	knowledge	knowledge	NOUN
ejge-8198	226	14	to	to	PART
ejge-8198	226	15	draw	draw	VERB
ejge-8198	226	16	business	business	NOUN
ejge-8198	226	17	plan	plan	NOUN
ejge-8198	226	18	.	.	PUNCT
ejge-8198	227	1	furthermore	furthermore	ADV
ejge-8198	227	2	,	,	PUNCT
ejge-8198	227	3	243(77.88	243(77.88	NUM
ejge-8198	227	4	%	%	NOUN
ejge-8198	227	5	)	)	PUNCT
ejge-8198	227	6	the	the	DET
ejge-8198	227	7	religious	religious	ADJ
ejge-8198	227	8	affiliation	affiliation	NOUN
ejge-8198	227	9	of	of	ADP
ejge-8198	227	10	women	woman	NOUN
ejge-8198	227	11	entrepreneurs	entrepreneur	NOUN
ejge-8198	227	12	is	be	AUX
ejge-8198	227	13	a	a	DET
ejge-8198	227	14	major	major	ADJ
ejge-8198	227	15	constrain	constrain	NOUN
ejge-8198	227	16	to	to	ADP
ejge-8198	227	17	the	the	DET
ejge-8198	227	18	ability	ability	NOUN
ejge-8198	227	19	of	of	ADP
ejge-8198	227	20	women	woman	NOUN
ejge-8198	227	21	entrepreneurs	entrepreneur	NOUN
ejge-8198	227	22	’	'	PUNCT
ejge-8198	227	23	access	access	NOUN
ejge-8198	227	24	to	to	ADP
ejge-8198	227	25	credit	credit	NOUN
ejge-8198	227	26	facilitates	facilitate	NOUN
ejge-8198	227	27	.	.	PUNCT
ejge-8198	228	1	the	the	DET
ejge-8198	228	2	religious	religious	ADJ
ejge-8198	228	3	factors	factor	NOUN
ejge-8198	228	4	of	of	ADP
ejge-8198	228	5	islamic	islamic	ADJ
ejge-8198	228	6	doctrine	doctrine	NOUN
ejge-8198	228	7	have	have	AUX
ejge-8198	228	8	prohibited	prohibit	VERB
ejge-8198	228	9	interest	interest	NOUN
ejge-8198	228	10	likewise	likewise	ADV
ejge-8198	228	11	,	,	PUNCT
ejge-8198	228	12	the	the	DET
ejge-8198	228	13	christian	christian	ADJ
ejge-8198	228	14	faith	faith	NOUN
ejge-8198	228	15	,	,	PUNCT
ejge-8198	228	16	as	as	SCONJ
ejge-8198	228	17	such	such	ADJ
ejge-8198	228	18	most	most	ADJ
ejge-8198	228	19	of	of	ADP
ejge-8198	228	20	the	the	DET
ejge-8198	228	21	credit	credit	NOUN
ejge-8198	228	22	facilities	facility	NOUN
ejge-8198	228	23	provided	provide	VERB
ejge-8198	228	24	by	by	ADP
ejge-8198	228	25	the	the	DET
ejge-8198	228	26	financial	financial	ADJ
ejge-8198	228	27	institutions	institution	NOUN
ejge-8198	228	28	go	go	VERB
ejge-8198	228	29	along	along	ADV
ejge-8198	228	30	with	with	ADP
ejge-8198	228	31	interest	interest	NOUN
ejge-8198	228	32	rate	rate	NOUN
ejge-8198	228	33	requirements	requirement	NOUN
ejge-8198	228	34	which	which	PRON
ejge-8198	228	35	makes	make	VERB
ejge-8198	228	36	it	it	PRON
ejge-8198	228	37	a	a	DET
ejge-8198	228	38	problem	problem	NOUN
ejge-8198	228	39	for	for	SCONJ
ejge-8198	228	40	women	woman	NOUN
ejge-8198	228	41	entrepreneurs	entrepreneur	NOUN
ejge-8198	228	42	to	to	PART
ejge-8198	228	43	gain	gain	VERB
ejge-8198	228	44	access	access	NOUN
ejge-8198	228	45	to	to	ADP
ejge-8198	228	46	credit	credit	NOUN
ejge-8198	228	47	facilities	facility	NOUN
ejge-8198	228	48	.	.	PUNCT
ejge-8198	229	1	likewise	likewise	ADV
ejge-8198	229	2	,	,	PUNCT
ejge-8198	229	3	a.	a.	PROPN
ejge-8198	229	4	h.	h.	PROPN
ejge-8198	229	5	danlami	danlami	PROPN
ejge-8198	229	6	and	and	CCONJ
ejge-8198	229	7	r.	r.	PROPN
ejge-8198	229	8	bashir	bashir	PROPN
ejge-8198	229	9	/	/	SYM
ejge-8198	229	10	european	european	PROPN
ejge-8198	229	11	journal	journal	PROPN
ejge-8198	229	12	of	of	ADP
ejge-8198	229	13	government	government	NOUN
ejge-8198	229	14	and	and	CCONJ
ejge-8198	229	15	economics	economic	NOUN
ejge-8198	229	16	11(1	11(1	NUM
ejge-8198	229	17	)	)	PUNCT
ejge-8198	229	18	,	,	PUNCT
ejge-8198	229	19	june	june	PROPN
ejge-8198	229	20	2022	2022	NUM
ejge-8198	229	21	,	,	PUNCT
ejge-8198	229	22	97	97	NUM
ejge-8198	229	23	-	-	SYM
ejge-8198	229	24	112	112	NUM
ejge-8198	229	25	111	111	NUM
ejge-8198	229	26	242(66.85	242(66.85	NUM
ejge-8198	229	27	%	%	NOUN
ejge-8198	229	28	)	)	PUNCT
ejge-8198	229	29	of	of	ADP
ejge-8198	229	30	the	the	DET
ejge-8198	229	31	respondents	respondent	NOUN
ejge-8198	229	32	identify	identify	VERB
ejge-8198	229	33	inadequate	inadequate	ADJ
ejge-8198	229	34	capital	capital	NOUN
ejge-8198	229	35	as	as	ADP
ejge-8198	229	36	a	a	DET
ejge-8198	229	37	constraint	constraint	NOUN
ejge-8198	229	38	affecting	affect	VERB
ejge-8198	229	39	women	woman	NOUN
ejge-8198	229	40	entrepreneurs	entrepreneur	NOUN
ejge-8198	229	41	to	to	PART
ejge-8198	229	42	expand	expand	VERB
ejge-8198	229	43	their	their	PRON
ejge-8198	229	44	businesses	business	NOUN
ejge-8198	229	45	.	.	PUNCT
ejge-8198	230	1	this	this	PRON
ejge-8198	230	2	is	be	AUX
ejge-8198	230	3	because	because	SCONJ
ejge-8198	230	4	women	woman	NOUN
ejge-8198	230	5	entrepreneurs	entrepreneur	NOUN
ejge-8198	230	6	in	in	ADP
ejge-8198	230	7	kano	kano	PROPN
ejge-8198	230	8	metropolis	metropolis	PROPN
ejge-8198	230	9	have	have	VERB
ejge-8198	230	10	less	less	ADJ
ejge-8198	230	11	capital	capital	NOUN
ejge-8198	230	12	to	to	PART
ejge-8198	230	13	operate	operate	VERB
ejge-8198	230	14	and	and	CCONJ
ejge-8198	230	15	expand	expand	VERB
ejge-8198	230	16	their	their	PRON
ejge-8198	230	17	businesses	business	NOUN
ejge-8198	230	18	.	.	PUNCT
ejge-8198	231	1	as	as	SCONJ
ejge-8198	231	2	120	120	NUM
ejge-8198	231	3	(	(	PUNCT
ejge-8198	231	4	33.15	33.15	NUM
ejge-8198	231	5	%	%	NOUN
ejge-8198	231	6	)	)	PUNCT
ejge-8198	231	7	of	of	ADP
ejge-8198	231	8	the	the	DET
ejge-8198	231	9	respondents	respondent	NOUN
ejge-8198	231	10	identify	identify	VERB
ejge-8198	231	11	poor	poor	ADJ
ejge-8198	231	12	patronage	patronage	NOUN
ejge-8198	231	13	of	of	ADP
ejge-8198	231	14	their	their	PRON
ejge-8198	231	15	commodities	commodity	NOUN
ejge-8198	231	16	is	be	AUX
ejge-8198	231	17	a	a	DET
ejge-8198	231	18	major	major	ADJ
ejge-8198	231	19	constraint	constraint	NOUN
ejge-8198	231	20	affecting	affect	VERB
ejge-8198	231	21	women	woman	NOUN
ejge-8198	231	22	entrepreneurs	entrepreneur	NOUN
ejge-8198	231	23	in	in	ADP
ejge-8198	231	24	kano	kano	PROPN
ejge-8198	231	25	metropolis	metropolis	PROPN
ejge-8198	231	26	.	.	PUNCT
ejge-8198	232	1	another	another	DET
ejge-8198	232	2	major	major	ADJ
ejge-8198	232	3	factor	factor	NOUN
ejge-8198	232	4	affecting	affect	VERB
ejge-8198	232	5	women	woman	NOUN
ejge-8198	232	6	entrepreneurs	entrepreneur	NOUN
ejge-8198	232	7	in	in	ADP
ejge-8198	232	8	kano	kano	PROPN
ejge-8198	232	9	metropolis	metropolis	PROPN
ejge-8198	232	10	is	be	AUX
ejge-8198	232	11	the	the	DET
ejge-8198	232	12	low	low	ADJ
ejge-8198	232	13	patronage	patronage	NOUN
ejge-8198	232	14	of	of	ADP
ejge-8198	232	15	their	their	PRON
ejge-8198	232	16	products	product	NOUN
ejge-8198	232	17	this	this	PRON
ejge-8198	232	18	is	be	AUX
ejge-8198	232	19	because	because	SCONJ
ejge-8198	232	20	the	the	DET
ejge-8198	232	21	products	product	NOUN
ejge-8198	232	22	they	they	PRON
ejge-8198	232	23	sell	sell	VERB
ejge-8198	232	24	have	have	VERB
ejge-8198	232	25	low	low	ADJ
ejge-8198	232	26	value	value	NOUN
ejge-8198	232	27	.	.	PUNCT
ejge-8198	233	1	5	5	X
ejge-8198	233	2	.	.	X
ejge-8198	233	3	conclusions	conclusion	NOUN
ejge-8198	233	4	and	and	CCONJ
ejge-8198	233	5	recommendations	recommendation	NOUN
ejge-8198	233	6	the	the	DET
ejge-8198	233	7	study	study	NOUN
ejge-8198	233	8	further	far	ADV
ejge-8198	233	9	shows	show	VERB
ejge-8198	233	10	that	that	SCONJ
ejge-8198	233	11	high	high	ADJ
ejge-8198	233	12	interest	interest	NOUN
ejge-8198	233	13	and	and	CCONJ
ejge-8198	233	14	collateral	collateral	ADJ
ejge-8198	233	15	requirement	requirement	NOUN
ejge-8198	233	16	prevent	prevent	NOUN
ejge-8198	233	17	women	woman	NOUN
ejge-8198	233	18	entrepreneurs	entrepreneur	NOUN
ejge-8198	233	19	from	from	ADP
ejge-8198	233	20	accessing	access	VERB
ejge-8198	233	21	loan	loan	NOUN
ejge-8198	233	22	from	from	ADP
ejge-8198	233	23	financial	financial	ADJ
ejge-8198	233	24	institutions	institution	NOUN
ejge-8198	233	25	,	,	PUNCT
ejge-8198	233	26	while	while	SCONJ
ejge-8198	233	27	religious	religious	ADJ
ejge-8198	233	28	affiliations	affiliation	NOUN
ejge-8198	233	29	is	be	AUX
ejge-8198	233	30	a	a	DET
ejge-8198	233	31	major	major	ADJ
ejge-8198	233	32	factor	factor	NOUN
ejge-8198	233	33	affecting	affect	VERB
ejge-8198	233	34	women	woman	NOUN
ejge-8198	233	35	entrepreneurs	entrepreneur	NOUN
ejge-8198	233	36	'	'	PART
ejge-8198	233	37	access	access	NOUN
ejge-8198	233	38	to	to	ADP
ejge-8198	233	39	credit	credit	NOUN
ejge-8198	233	40	facilities	facility	NOUN
ejge-8198	233	41	.	.	PUNCT
ejge-8198	234	1	the	the	DET
ejge-8198	234	2	study	study	NOUN
ejge-8198	234	3	recommends	recommend	VERB
ejge-8198	234	4	that	that	SCONJ
ejge-8198	234	5	financial	financial	ADJ
ejge-8198	234	6	institutions	institution	NOUN
ejge-8198	234	7	should	should	AUX
ejge-8198	234	8	prepare	prepare	VERB
ejge-8198	234	9	financial	financial	ADJ
ejge-8198	234	10	provisions	provision	NOUN
ejge-8198	234	11	or	or	CCONJ
ejge-8198	234	12	packages	package	NOUN
ejge-8198	234	13	for	for	ADP
ejge-8198	234	14	women	woman	NOUN
ejge-8198	234	15	entrepreneurs	entrepreneur	NOUN
ejge-8198	234	16	who	who	PRON
ejge-8198	234	17	are	be	AUX
ejge-8198	234	18	willing	willing	ADJ
ejge-8198	234	19	to	to	PART
ejge-8198	234	20	accept	accept	VERB
ejge-8198	234	21	loans	loan	NOUN
ejge-8198	234	22	based	base	VERB
ejge-8198	234	23	on	on	ADP
ejge-8198	234	24	non	non	ADJ
ejge-8198	234	25	-	-	ADJ
ejge-8198	234	26	interest	interest	ADJ
ejge-8198	234	27	loan	loan	NOUN
ejge-8198	234	28	financing	financing	NOUN
ejge-8198	234	29	.	.	PUNCT
ejge-8198	235	1	the	the	DET
ejge-8198	235	2	study	study	NOUN
ejge-8198	235	3	recommends	recommend	VERB
ejge-8198	235	4	that	that	SCONJ
ejge-8198	235	5	financial	financial	ADJ
ejge-8198	235	6	institutions	institution	NOUN
ejge-8198	235	7	should	should	AUX
ejge-8198	235	8	make	make	VERB
ejge-8198	235	9	provisions	provision	NOUN
ejge-8198	235	10	for	for	ADP
ejge-8198	235	11	training	train	VERB
ejge-8198	235	12	women	woman	NOUN
ejge-8198	235	13	entrepreneurs	entrepreneur	NOUN
ejge-8198	235	14	on	on	ADP
ejge-8198	235	15	how	how	SCONJ
ejge-8198	235	16	to	to	PART
ejge-8198	235	17	raise	raise	VERB
ejge-8198	235	18	capital	capital	NOUN
ejge-8198	235	19	to	to	PART
ejge-8198	235	20	expand	expand	VERB
ejge-8198	235	21	their	their	PRON
ejge-8198	235	22	businesses	business	NOUN
ejge-8198	235	23	and	and	CCONJ
ejge-8198	235	24	also	also	ADV
ejge-8198	235	25	give	give	VERB
ejge-8198	235	26	them	they	PRON
ejge-8198	235	27	incentives	incentive	NOUN
ejge-8198	235	28	with	with	ADP
ejge-8198	235	29	fewer	few	ADJ
ejge-8198	235	30	conditions	condition	NOUN
ejge-8198	235	31	attached	attach	VERB
ejge-8198	235	32	to	to	ADP
ejge-8198	235	33	them	they	PRON
ejge-8198	235	34	.	.	PUNCT
ejge-8198	236	1	references	reference	NOUN
ejge-8198	236	2	abubakar	abubakar	PROPN
ejge-8198	236	3	.	.	PUNCT
ejge-8198	237	1	s.	s.	PROPN
ejge-8198	237	2	g	g	PROPN
ejge-8198	237	3	,	,	PUNCT
ejge-8198	237	4	shazali	shazali	PROPN
ejge-8198	237	5	a.	a.	NOUN
ejge-8198	237	6	m.	m.	NOUN
ejge-8198	237	7	,	,	PUNCT
ejge-8198	237	8	&	&	CCONJ
ejge-8198	237	9	fariastuti	fariastuti	PROPN
ejge-8198	237	10	d.	d.	PROPN
ejge-8198	237	11	(	(	PUNCT
ejge-8198	237	12	2013	2013	NUM
ejge-8198	237	13	)	)	PUNCT
ejge-8198	237	14	.	.	PUNCT
ejge-8198	238	1	entrepreneurship	entrepreneurship	NOUN
ejge-8198	238	2	and	and	CCONJ
ejge-8198	238	3	its	its	PRON
ejge-8198	238	4	determinants	determinant	NOUN
ejge-8198	238	5	in	in	ADP
ejge-8198	238	6	nigeria	nigeria	PROPN
ejge-8198	238	7	:	:	PUNCT
ejge-8198	238	8	empirical	empirical	ADJ
ejge-8198	238	9	evidence	evidence	NOUN
ejge-8198	238	10	from	from	ADP
ejge-8198	238	11	micro	micro	ADJ
ejge-8198	238	12	and	and	CCONJ
ejge-8198	238	13	small	small	ADJ
ejge-8198	238	14	enterprises	enterprise	NOUN
ejge-8198	238	15	in	in	ADP
ejge-8198	238	16	kano	kano	PROPN
ejge-8198	238	17	state.journal	state.journal	PROPN
ejge-8198	238	18	of	of	ADP
ejge-8198	238	19	entrepreneurship	entrepreneurship	NOUN
ejge-8198	238	20	and	and	CCONJ
ejge-8198	238	21	management2(2	management2(2	NUM
ejge-8198	238	22	)	)	PUNCT
ejge-8198	238	23	,	,	PUNCT
ejge-8198	238	24	2	2	NUM
ejge-8198	238	25	-12	-12	X
ejge-8198	238	26	.	.	PUNCT
ejge-8198	239	1	balogun	balogun	PROPN
ejge-8198	239	2	,	,	PUNCT
ejge-8198	239	3	u.o	u.o	PROPN
ejge-8198	239	4	.	.	PROPN
ejge-8198	239	5	,	,	PUNCT
ejge-8198	239	6	bustaman	bustaman	PROPN
ejge-8198	239	7	,	,	PUNCT
ejge-8198	239	8	u	u	NOUN
ejge-8198	239	9	,	,	PUNCT
ejge-8198	239	10	s.a	s.a	PROPN
ejge-8198	239	11	.	.	PROPN
ejge-8198	239	12	,	,	PUNCT
ejge-8198	239	13	&	&	CCONJ
ejge-8198	239	14	johari	johari	PROPN
ejge-8198	239	15	,	,	PUNCT
ejge-8198	239	16	f.b	f.b	PROPN
ejge-8198	239	17	.	.	PROPN
ejge-8198	239	18	(	(	PUNCT
ejge-8198	239	19	2016	2016	NUM
ejge-8198	239	20	)	)	PUNCT
ejge-8198	239	21	.	.	PUNCT
ejge-8198	240	1	determinant	determinant	ADJ
ejge-8198	240	2	factors	factor	NOUN
ejge-8198	240	3	affecting	affect	VERB
ejge-8198	240	4	women	woman	NOUN
ejge-8198	240	5	social	social	ADJ
ejge-8198	240	6	enterprise	enterprise	NOUN
ejge-8198	240	7	performances	performance	NOUN
ejge-8198	240	8	in	in	ADP
ejge-8198	240	9	sokoto	sokoto	PROPN
ejge-8198	240	10	state	state	PROPN
ejge-8198	240	11	,	,	PUNCT
ejge-8198	240	12	nigeria	nigeria	PROPN
ejge-8198	240	13	.	.	PUNCT
ejge-8198	241	1	asian	asian	ADJ
ejge-8198	241	2	journal	journal	PROPN
ejge-8198	241	3	of	of	ADP
ejge-8198	241	4	social	social	ADJ
ejge-8198	241	5	sciences	science	NOUN
ejge-8198	241	6	and	and	CCONJ
ejge-8198	241	7	humanities	humanity	NOUN
ejge-8198	241	8	,	,	PUNCT
ejge-8198	241	9	5(2	5(2	NUM
ejge-8198	241	10	)	)	PUNCT
ejge-8198	241	11	,	,	PUNCT
ejge-8198	241	12	47	47	NUM
ejge-8198	241	13	-53	-53	NOUN
ejge-8198	241	14	.	.	PUNCT
ejge-8198	242	1	baumol	baumol	PROPN
ejge-8198	242	2	,	,	PUNCT
ejge-8198	242	3	w.j	w.j	PROPN
ejge-8198	242	4	.	.	PROPN
ejge-8198	242	5	(	(	PUNCT
ejge-8198	242	6	1990	1990	NUM
ejge-8198	242	7	)	)	PUNCT
ejge-8198	242	8	.	.	PUNCT
ejge-8198	243	1	entrepreneurship	entrepreneurship	NOUN
ejge-8198	243	2	:	:	PUNCT
ejge-8198	243	3	productive	productive	ADJ
ejge-8198	243	4	,	,	PUNCT
ejge-8198	243	5	unproductive	unproductive	ADJ
ejge-8198	243	6	,	,	PUNCT
ejge-8198	243	7	and	and	CCONJ
ejge-8198	243	8	destructive.journal	destructive.journal	ADJ
ejge-8198	243	9	of	of	ADP
ejge-8198	243	10	political	political	ADJ
ejge-8198	243	11	economy	economy	NOUN
ejge-8198	243	12	97	97	NUM
ejge-8198	243	13	:	:	SYM
ejge-8198	243	14	721	721	NUM
ejge-8198	243	15	-	-	SYM
ejge-8198	243	16	739	739	NUM
ejge-8198	243	17	.	.	PUNCT
ejge-8198	244	1	https://doi.org/10.1086/261712	https://doi.org/10.1086/261712	NOUN
ejge-8198	244	2	baumol	baumol	PROPN
ejge-8198	244	3	,	,	PUNCT
ejge-8198	244	4	w.j	w.j	PROPN
ejge-8198	244	5	.	.	PROPN
ejge-8198	244	6	(	(	PUNCT
ejge-8198	244	7	2002	2002	NUM
ejge-8198	244	8	)	)	PUNCT
ejge-8198	244	9	.	.	PUNCT
ejge-8198	245	1	the	the	DET
ejge-8198	245	2	free	free	ADJ
ejge-8198	245	3	-	-	PUNCT
ejge-8198	245	4	market	market	NOUN
ejge-8198	245	5	innovation	innovation	NOUN
ejge-8198	245	6	machine	machine	NOUN
ejge-8198	245	7	:	:	PUNCT
ejge-8198	245	8	analyzing	analyze	VERB
ejge-8198	245	9	the	the	DET
ejge-8198	245	10	growth	growth	NOUN
ejge-8198	245	11	miracle	miracle	NOUN
ejge-8198	245	12	of	of	ADP
ejge-8198	245	13	capitalism.princeton	capitalism.princeton	PROPN
ejge-8198	245	14	university	university	NOUN
ejge-8198	245	15	press	press	NOUN
ejge-8198	245	16	:	:	PUNCT
ejge-8198	245	17	usa	usa	PROPN
ejge-8198	245	18	.	.	PROPN
ejge-8198	245	19	https://doi.org/10.1515/9781400851638	https://doi.org/10.1515/9781400851638	PROPN
ejge-8198	245	20	casson	casson	PROPN
ejge-8198	245	21	,	,	PUNCT
ejge-8198	245	22	m.	m.	NOUN
ejge-8198	245	23	,	,	PUNCT
ejge-8198	245	24	yeung	yeung	PROPN
ejge-8198	245	25	,	,	PUNCT
ejge-8198	245	26	b.	b.	PROPN
ejge-8198	245	27	,	,	PUNCT
ejge-8198	245	28	basu	basu	PROPN
ejge-8198	245	29	,	,	PUNCT
ejge-8198	245	30	a.	a.	PROPN
ejge-8198	245	31	,	,	PUNCT
ejge-8198	245	32	&	&	CCONJ
ejge-8198	245	33	wadeson	wadeson	PROPN
ejge-8198	245	34	,	,	PUNCT
ejge-8198	245	35	w.	w.	PROPN
ejge-8198	245	36	(	(	PUNCT
ejge-8198	245	37	eds	eds	PROPN
ejge-8198	245	38	.	.	PUNCT
ejge-8198	245	39	)	)	PUNCT
ejge-8198	245	40	,	,	PUNCT
ejge-8198	245	41	(	(	PUNCT
ejge-8198	245	42	2006	2006	NUM
ejge-8198	245	43	)	)	PUNCT
ejge-8198	245	44	.	.	PUNCT
ejge-8198	246	1	the	the	DET
ejge-8198	246	2	oxford	oxford	PROPN
ejge-8198	246	3	handbook	handbook	NOUN
ejge-8198	246	4	of	of	ADP
ejge-8198	246	5	entrepreneurship	entrepreneurship	NOUN
ejge-8198	246	6	.	.	PUNCT
ejge-8198	247	1	oxford	oxford	PROPN
ejge-8198	247	2	,	,	PUNCT
ejge-8198	247	3	oxford	oxford	PROPN
ejge-8198	247	4	university	university	PROPN
ejge-8198	247	5	press	press	NOUN
ejge-8198	247	6	:	:	PUNCT
ejge-8198	247	7	london	london	PROPN
ejge-8198	247	8	.	.	PUNCT
ejge-8198	248	1	https://doi.org/10.1093/oxfordhb/9780199546992.001.0001	https://doi.org/10.1093/oxfordhb/9780199546992.001.0001	PROPN
ejge-8198	249	1	chen	chen	PROPN
ejge-8198	249	2	,	,	PUNCT
ejge-8198	249	3	c.c	c.c	PROPN
ejge-8198	249	4	.	.	PROPN
ejge-8198	249	5	,	,	PUNCT
ejge-8198	249	6	greene	greene	PROPN
ejge-8198	249	7	,	,	PUNCT
ejge-8198	249	8	p.g	p.g	PROPN
ejge-8198	249	9	.	.	PROPN
ejge-8198	249	10	,	,	PUNCT
ejge-8198	249	11	&	&	CCONJ
ejge-8198	249	12	crick	crick	PROPN
ejge-8198	249	13	,	,	PUNCT
ejge-8198	249	14	a.	a.	PROPN
ejge-8198	249	15	(	(	PUNCT
ejge-8198	249	16	1998	1998	NUM
ejge-8198	249	17	)	)	PUNCT
ejge-8198	249	18	.	.	PUNCT
ejge-8198	250	1	does	do	AUX
ejge-8198	250	2	entrepreneurial	entrepreneurial	ADJ
ejge-8198	250	3	self	self	NOUN
ejge-8198	250	4	-	-	PUNCT
ejge-8198	250	5	efficacy	efficacy	NOUN
ejge-8198	250	6	distinguish	distinguish	VERB
ejge-8198	250	7	entrepreneurs	entrepreneur	NOUN
ejge-8198	250	8	from	from	ADP
ejge-8198	250	9	managers	manager	NOUN
ejge-8198	250	10	?	?	PUNCT
ejge-8198	251	1	journal	journal	NOUN
ejge-8198	251	2	of	of	ADP
ejge-8198	251	3	business	business	NOUN
ejge-8198	251	4	venturing	venturing	NOUN
ejge-8198	251	5	,	,	PUNCT
ejge-8198	251	6	13(4	13(4	NUM
ejge-8198	251	7	)	)	PUNCT
ejge-8198	251	8	,	,	PUNCT
ejge-8198	251	9	295–316	295–316	NUM
ejge-8198	251	10	.	.	PUNCT
ejge-8198	252	1	https://doi.org/10.1016/s0883-9026(97)00029-3	https://doi.org/10.1016/s0883-9026(97)00029-3	PROPN
ejge-8198	252	2	chinonye	chinonye	PROPN
ejge-8198	252	3	,	,	PUNCT
ejge-8198	252	4	o.	o.	PROPN
ejge-8198	252	5	,	,	PUNCT
ejge-8198	252	6	&	&	CCONJ
ejge-8198	252	7	chima	chima	PROPN
ejge-8198	252	8	,	,	PUNCT
ejge-8198	252	9	m.	m.	NOUN
ejge-8198	252	10	(	(	PUNCT
ejge-8198	252	11	2010	2010	NUM
ejge-8198	252	12	)	)	PUNCT
ejge-8198	252	13	.	.	PUNCT
ejge-8198	253	1	women	woman	NOUN
ejge-8198	253	2	entrepreneurship	entrepreneurship	VERB
ejge-8198	253	3	development	development	NOUN
ejge-8198	253	4	in	in	ADP
ejge-8198	253	5	nigeria	nigeria	PROPN
ejge-8198	253	6	:	:	PUNCT
ejge-8198	253	7	the	the	DET
ejge-8198	253	8	effect	effect	NOUN
ejge-8198	253	9	of	of	ADP
ejge-8198	253	10	environmental	environmental	ADJ
ejge-8198	253	11	factors	factor	NOUN
ejge-8198	253	12	.	.	PUNCT
ejge-8198	254	1	petroleum	petroleum	NOUN
ejge-8198	254	2	-	-	PUNCT
ejge-8198	254	3	gas	gas	NOUN
ejge-8198	254	4	university	university	NOUN
ejge-8198	254	5	of	of	ADP
ejge-8198	254	6	ploiesti	ploiesti	PROPN
ejge-8198	254	7	bulletin	bulletin	NOUN
ejge-8198	254	8	,	,	PUNCT
ejge-8198	254	9	lxii	lxii	X
ejge-8198	254	10	(	(	PUNCT
ejge-8198	254	11	4	4	NUM
ejge-8198	254	12	)	)	PUNCT
ejge-8198	254	13	;	;	PUNCT
ejge-8198	254	14	43	43	NUM
ejge-8198	254	15	52	52	NUM
ejge-8198	254	16	.	.	PUNCT
ejge-8198	255	1	danlami	danlami	PROPN
ejge-8198	255	2	,	,	PUNCT
ejge-8198	255	3	a.	a.	PROPN
ejge-8198	255	4	h.	h.	PROPN
ejge-8198	255	5	(	(	PUNCT
ejge-8198	255	6	2019	2019	NUM
ejge-8198	255	7	)	)	PUNCT
ejge-8198	255	8	.	.	PUNCT
ejge-8198	256	1	assessment	assessment	NOUN
ejge-8198	256	2	of	of	ADP
ejge-8198	256	3	factors	factor	NOUN
ejge-8198	256	4	influencing	influence	VERB
ejge-8198	256	5	firewood	firewood	ADJ
ejge-8198	256	6	consumption	consumption	NOUN
ejge-8198	256	7	in	in	ADP
ejge-8198	256	8	bauchi	bauchi	ADJ
ejge-8198	256	9	state	state	PROPN
ejge-8198	256	10	,	,	PUNCT
ejge-8198	256	11	nigeria	nigeria	PROPN
ejge-8198	256	12	.	.	PUNCT
ejge-8198	257	1	journal	journal	PROPN
ejge-8198	257	2	of	of	ADP
ejge-8198	257	3	sustainability	sustainability	NOUN
ejge-8198	257	4	science	science	NOUN
ejge-8198	257	5	and	and	CCONJ
ejge-8198	257	6	management	management	NOUN
ejge-8198	257	7	,	,	PUNCT
ejge-8198	257	8	14(1	14(1	NUM
ejge-8198	257	9	)	)	PUNCT
ejge-8198	257	10	,	,	PUNCT
ejge-8198	257	11	99	99	NUM
ejge-8198	257	12	–	–	SYM
ejge-8198	257	13	109	109	NUM
ejge-8198	257	14	.	.	PUNCT
ejge-8198	258	1	danlami	danlami	PROPN
ejge-8198	258	2	,	,	PUNCT
ejge-8198	258	3	a.h	a.h	PROPN
ejge-8198	258	4	.	.	PROPN
ejge-8198	258	5	(	(	PUNCT
ejge-8198	258	6	2017	2017	NUM
ejge-8198	258	7	)	)	PUNCT
ejge-8198	258	8	.	.	PUNCT
ejge-8198	259	1	an	an	DET
ejge-8198	259	2	intensity	intensity	NOUN
ejge-8198	259	3	of	of	ADP
ejge-8198	259	4	household	household	NOUN
ejge-8198	259	5	kerosene	kerosene	NOUN
ejge-8198	259	6	use	use	NOUN
ejge-8198	259	7	in	in	ADP
ejge-8198	259	8	bauchi	bauchi	ADJ
ejge-8198	259	9	state	state	NOUN
ejge-8198	259	10	,	,	PUNCT
ejge-8198	259	11	nigeria	nigeria	PROPN
ejge-8198	259	12	:	:	PUNCT
ejge-8198	259	13	a	a	DET
ejge-8198	259	14	tobit	tobit	NOUN
ejge-8198	259	15	analysis	analysis	NOUN
ejge-8198	259	16	.	.	PUNCT
ejge-8198	260	1	nigerian	nigerian	ADJ
ejge-8198	260	2	journal	journal	PROPN
ejge-8198	260	3	of	of	ADP
ejge-8198	260	4	management	management	NOUN
ejge-8198	260	5	technology	technology	PROPN
ejge-8198	260	6	&	&	CCONJ
ejge-8198	260	7	analysis	analysis	NOUN
ejge-8198	260	8	,	,	PUNCT
ejge-8198	260	9	8(2	8(2	NUM
ejge-8198	260	10	)	)	PUNCT
ejge-8198	260	11	,	,	PUNCT
ejge-8198	260	12	1	1	NUM
ejge-8198	260	13	–	–	SYM
ejge-8198	260	14	13	13	NUM
ejge-8198	260	15	.	.	PUNCT
ejge-8198	261	1	https://doi.org/10.1086/261712	https://doi.org/10.1086/261712	NOUN
ejge-8198	261	2	https://doi.org/10.1515/9781400851638	https://doi.org/10.1515/9781400851638	ADV
ejge-8198	261	3	https://doi.org/10.1093/oxfordhb/9780199546992.001.0001	https://doi.org/10.1093/oxfordhb/9780199546992.001.0001	ADJ
ejge-8198	261	4	https://doi.org/10.1016/s0883-9026(97)00029-3	https://doi.org/10.1016/s0883-9026(97)00029-3	PROPN
ejge-8198	261	5	a.	a.	PROPN
ejge-8198	261	6	h.	h.	PROPN
ejge-8198	261	7	danlami	danlami	PROPN
ejge-8198	261	8	and	and	CCONJ
ejge-8198	261	9	r.	r.	PROPN
ejge-8198	261	10	bashir	bashir	PROPN
ejge-8198	261	11	/	/	SYM
ejge-8198	261	12	european	european	PROPN
ejge-8198	261	13	journal	journal	PROPN
ejge-8198	261	14	of	of	ADP
ejge-8198	261	15	government	government	NOUN
ejge-8198	261	16	and	and	CCONJ
ejge-8198	261	17	economics	economic	NOUN
ejge-8198	261	18	11(1	11(1	NUM
ejge-8198	261	19	)	)	PUNCT
ejge-8198	261	20	,	,	PUNCT
ejge-8198	261	21	june	june	PROPN
ejge-8198	261	22	2022	2022	NUM
ejge-8198	261	23	,	,	PUNCT
ejge-8198	261	24	97	97	NUM
ejge-8198	261	25	-	-	SYM
ejge-8198	261	26	112	112	NUM
ejge-8198	261	27	112	112	NUM
ejge-8198	261	28	danlami	danlami	NOUN
ejge-8198	261	29	,	,	PUNCT
ejge-8198	261	30	a.h	a.h	PROPN
ejge-8198	261	31	.	.	PROPN
ejge-8198	261	32	,	,	PUNCT
ejge-8198	261	33	applanaidu	applanaidu	PROPN
ejge-8198	261	34	,	,	PUNCT
ejge-8198	261	35	s.d	s.d	PROPN
ejge-8198	261	36	.	.	PROPN
ejge-8198	261	37	,	,	PUNCT
ejge-8198	261	38	&	&	CCONJ
ejge-8198	261	39	islam	islam	PROPN
ejge-8198	261	40	,	,	PUNCT
ejge-8198	261	41	r.	r.	PROPN
ejge-8198	261	42	(	(	PUNCT
ejge-8198	261	43	2017	2017	NUM
ejge-8198	261	44	)	)	PUNCT
ejge-8198	261	45	.	.	PUNCT
ejge-8198	262	1	from	from	ADP
ejge-8198	262	2	biomass	biomass	NOUN
ejge-8198	262	3	cooking	cooking	NOUN
ejge-8198	262	4	fuel	fuel	NOUN
ejge-8198	262	5	to	to	ADP
ejge-8198	262	6	modern	modern	ADJ
ejge-8198	262	7	alternative	alternative	NOUN
ejge-8198	262	8	for	for	ADP
ejge-8198	262	9	bauchi	bauchi	ADJ
ejge-8198	262	10	state	state	NOUN
ejge-8198	262	11	households	household	NOUN
ejge-8198	262	12	:	:	PUNCT
ejge-8198	262	13	a	a	DET
ejge-8198	262	14	preliminary	preliminary	ADJ
ejge-8198	262	15	analysis	analysis	NOUN
ejge-8198	262	16	.	.	PUNCT
ejge-8198	263	1	biofuels	biofuel	NOUN
ejge-8198	263	2	,	,	PUNCT
ejge-8198	263	3	8(3	8(3	NUM
ejge-8198	263	4	):	):	PUNCT
ejge-8198	263	5	323	323	NUM
ejge-8198	263	6	-	-	SYM
ejge-8198	263	7	331	331	NUM
ejge-8198	263	8	.	.	PUNCT
ejge-8198	264	1	https://doi.org/10.1080/17597269.2016.1226724	https://doi.org/10.1080/17597269.2016.1226724	NOUN
ejge-8198	264	2	danlami	danlami	PROPN
ejge-8198	264	3	,	,	PUNCT
ejge-8198	264	4	a.h	a.h	PROPN
ejge-8198	264	5	.	.	PROPN
ejge-8198	264	6	,	,	PUNCT
ejge-8198	264	7	applanaidu	applanaidu	PROPN
ejge-8198	264	8	,	,	PUNCT
ejge-8198	264	9	s.d	s.d	PROPN
ejge-8198	264	10	.	.	PROPN
ejge-8198	264	11	,	,	PUNCT
ejge-8198	264	12	&	&	CCONJ
ejge-8198	264	13	islam	islam	PROPN
ejge-8198	264	14	,	,	PUNCT
ejge-8198	264	15	r.	r.	PROPN
ejge-8198	264	16	(	(	PUNCT
ejge-8198	264	17	2018	2018	NUM
ejge-8198	264	18	)	)	PUNCT
ejge-8198	264	19	.	.	PUNCT
ejge-8198	265	1	axiom	axiom	NOUN
ejge-8198	265	2	of	of	ADP
ejge-8198	265	3	the	the	DET
ejge-8198	265	4	relative	relative	ADJ
ejge-8198	265	5	income	income	NOUN
ejge-8198	265	6	hypothesis	hypothesis	NOUN
ejge-8198	265	7	and	and	CCONJ
ejge-8198	265	8	household	household	NOUN
ejge-8198	265	9	energy	energy	NOUN
ejge-8198	265	10	choice	choice	NOUN
ejge-8198	265	11	and	and	CCONJ
ejge-8198	265	12	consumption	consumption	NOUN
ejge-8198	265	13	in	in	ADP
ejge-8198	265	14	developing	develop	VERB
ejge-8198	265	15	areas	area	NOUN
ejge-8198	265	16	:	:	PUNCT
ejge-8198	265	17	empirical	empirical	ADJ
ejge-8198	265	18	evidence	evidence	NOUN
ejge-8198	265	19	using	use	VERB
ejge-8198	265	20	verme	verme	NOUN
ejge-8198	265	21	model	model	NOUN
ejge-8198	265	22	.	.	PUNCT
ejge-8198	266	1	kasetsart	kasetsart	PROPN
ejge-8198	266	2	journal	journal	PROPN
ejge-8198	266	3	of	of	ADP
ejge-8198	266	4	social	social	ADJ
ejge-8198	266	5	sciences	science	NOUN
ejge-8198	266	6	,	,	PUNCT
ejge-8198	266	7	39	39	NUM
ejge-8198	266	8	,	,	PUNCT
ejge-8198	266	9	422	422	NUM
ejge-8198	266	10	–	–	PUNCT
ejge-8198	266	11	431	431	NUM
ejge-8198	266	12	.	.	PUNCT
ejge-8198	267	1	https://doi.org/10.1016/j.kjss.2018.06.010	https://doi.org/10.1016/j.kjss.2018.06.010	NOUN
ejge-8198	267	2	danlami	danlami	PROPN
ejge-8198	267	3	,	,	PUNCT
ejge-8198	267	4	a.	a.	PROPN
ejge-8198	267	5	h.	h.	PROPN
ejge-8198	267	6	,	,	PUNCT
ejge-8198	267	7	&	&	CCONJ
ejge-8198	267	8	islam	islam	PROPN
ejge-8198	267	9	,	,	PUNCT
ejge-8198	267	10	r.	r.	PROPN
ejge-8198	267	11	(	(	PUNCT
ejge-8198	267	12	2020	2020	NUM
ejge-8198	267	13	)	)	PUNCT
ejge-8198	267	14	.	.	PUNCT
ejge-8198	268	1	explorative	explorative	ADJ
ejge-8198	268	2	analysis	analysis	NOUN
ejge-8198	268	3	of	of	ADP
ejge-8198	268	4	household	household	NOUN
ejge-8198	268	5	energy	energy	NOUN
ejge-8198	268	6	consumption	consumption	NOUN
ejge-8198	268	7	in	in	ADP
ejge-8198	268	8	bauchi	bauchi	ADJ
ejge-8198	268	9	state	state	PROPN
ejge-8198	268	10	,	,	PUNCT
ejge-8198	268	11	nigeria	nigeria	PROPN
ejge-8198	268	12	.	.	PUNCT
ejge-8198	269	1	in	in	ADP
ejge-8198	269	2	a.	a.	NOUN
ejge-8198	269	3	editor	editor	NOUN
ejge-8198	269	4	(	(	PUNCT
ejge-8198	269	5	eds	ed	NOUN
ejge-8198	269	6	.	.	PUNCT
ejge-8198	269	7	)	)	PUNCT
ejge-8198	269	8	,	,	PUNCT
ejge-8198	269	9	energy	energy	NOUN
ejge-8198	269	10	efficiency	efficiency	NOUN
ejge-8198	269	11	and	and	CCONJ
ejge-8198	269	12	sustainable	sustainable	ADJ
ejge-8198	269	13	lighting	lighting	NOUN
ejge-8198	269	14	–	–	PUNCT
ejge-8198	269	15	a	a	DET
ejge-8198	269	16	bet	bet	NOUN
ejge-8198	269	17	for	for	ADP
ejge-8198	269	18	the	the	DET
ejge-8198	269	19	future	future	NOUN
ejge-8198	269	20	(	(	PUNCT
ejge-8198	269	21	page	page	NOUN
ejge-8198	269	22	number	number	NOUN
ejge-8198	269	23	)	)	PUNCT
ejge-8198	269	24	.	.	PUNCT
ejge-8198	270	1	london	london	PROPN
ejge-8198	270	2	:	:	PUNCT
ejge-8198	270	3	intechopen	intechopen	ADJ
ejge-8198	270	4	.	.	PUNCT
ejge-8198	271	1	https://doi.org/10.5772/intechopen.89597	https://doi.org/10.5772/intechopen.89597	ADJ
ejge-8198	271	2	esther	esther	PROPN
ejge-8198	271	3	,	,	PUNCT
ejge-8198	271	4	m.	m.	NOUN
ejge-8198	271	5	m.	m.	NOUN
ejge-8198	271	6	(	(	PUNCT
ejge-8198	271	7	2016	2016	NUM
ejge-8198	271	8	)	)	PUNCT
ejge-8198	271	9	.	.	PUNCT
ejge-8198	272	1	factors	factor	NOUN
ejge-8198	272	2	affecting	affect	VERB
ejge-8198	272	3	access	access	NOUN
ejge-8198	272	4	of	of	ADP
ejge-8198	272	5	women	woman	NOUN
ejge-8198	272	6	enterprise	enterprise	NOUN
ejge-8198	272	7	fund	fund	NOUN
ejge-8198	272	8	by	by	ADP
ejge-8198	272	9	women	woman	NOUN
ejge-8198	272	10	group	group	NOUN
ejge-8198	272	11	in	in	ADP
ejge-8198	272	12	nakuru	nakuru	PROPN
ejge-8198	272	13	west	west	PROPN
ejge-8198	272	14	sub	sub	PROPN
ejge-8198	272	15	-	-	NOUN
ejge-8198	272	16	country	country	NOUN
ejge-8198	272	17	,	,	PUNCT
ejge-8198	272	18	kenya	kenya	PROPN
ejge-8198	272	19	.	.	PUNCT
ejge-8198	273	1	gichuki	gichuki	PROPN
ejge-8198	273	2	,	,	PUNCT
ejge-8198	273	3	c.n	c.n	PROPN
ejge-8198	273	4	.	.	PROPN
ejge-8198	273	5	,	,	PUNCT
ejge-8198	273	6	milcah	milcah	PROPN
ejge-8198	273	7	,	,	PUNCT
ejge-8198	273	8	m.m	m.m	PROPN
ejge-8198	273	9	.	.	PROPN
ejge-8198	273	10	,	,	PUNCT
ejge-8198	273	11	&	&	CCONJ
ejge-8198	273	12	kinuthia	kinuthia	PROPN
ejge-8198	273	13	,	,	PUNCT
ejge-8198	273	14	l.n	l.n	PROPN
ejge-8198	273	15	.	.	PROPN
ejge-8198	273	16	(	(	PUNCT
ejge-8198	273	17	2014	2014	NUM
ejge-8198	273	18	)	)	PUNCT
ejge-8198	273	19	.	.	PUNCT
ejge-8198	274	1	performance	performance	NOUN
ejge-8198	274	2	of	of	ADP
ejge-8198	274	3	women	woman	NOUN
ejge-8198	274	4	owned	own	VERB
ejge-8198	274	5	enterprises	enterprise	NOUN
ejge-8198	274	6	accessing	access	VERB
ejge-8198	274	7	credit	credit	NOUN
ejge-8198	274	8	from	from	ADP
ejge-8198	274	9	village	village	NOUN
ejge-8198	274	10	credit	credit	NOUN
ejge-8198	274	11	and	and	CCONJ
ejge-8198	274	12	savings	saving	NOUN
ejge-8198	274	13	associations	association	NOUN
ejge-8198	274	14	in	in	ADP
ejge-8198	274	15	kenya	kenya	PROPN
ejge-8198	274	16	.	.	PUNCT
ejge-8198	275	1	journal	journal	PROPN
ejge-8198	275	2	of	of	ADP
ejge-8198	275	3	global	global	ADJ
ejge-8198	275	4	entrepreneurship	entrepreneurship	NOUN
ejge-8198	275	5	research	research	NOUN
ejge-8198	275	6	,	,	PUNCT
ejge-8198	275	7	4(16	4(16	NUM
ejge-8198	275	8	)	)	PUNCT
ejge-8198	275	9	,	,	PUNCT
ejge-8198	275	10	2	2	NUM
ejge-8198	275	11	–	–	SYM
ejge-8198	275	12	13	13	NUM
ejge-8198	275	13	.	.	PUNCT
ejge-8198	275	14	https://doi.org/10.1186/s40497-014-0016-1	https://doi.org/10.1186/s40497-014-0016-1	NUM
ejge-8198	275	15	holmes	holmes	PROPN
ejge-8198	275	16	,	,	PUNCT
ejge-8198	275	17	t.j	t.j	PROPN
ejge-8198	275	18	.	.	PROPN
ejge-8198	275	19	,	,	PUNCT
ejge-8198	275	20	&	&	CCONJ
ejge-8198	275	21	schmitz	schmitz	PROPN
ejge-8198	275	22	j.a	j.a	PROPN
ejge-8198	275	23	.	.	PROPN
ejge-8198	275	24	(	(	PUNCT
ejge-8198	275	25	1990	1990	NUM
ejge-8198	275	26	)	)	PUNCT
ejge-8198	275	27	.	.	PUNCT
ejge-8198	276	1	a	a	DET
ejge-8198	276	2	theory	theory	NOUN
ejge-8198	276	3	of	of	ADP
ejge-8198	276	4	entrepreneurship	entrepreneurship	NOUN
ejge-8198	276	5	and	and	CCONJ
ejge-8198	276	6	its	its	PRON
ejge-8198	276	7	application	application	NOUN
ejge-8198	276	8	to	to	ADP
ejge-8198	276	9	the	the	DET
ejge-8198	276	10	study	study	NOUN
ejge-8198	276	11	of	of	ADP
ejge-8198	276	12	business	business	NOUN
ejge-8198	276	13	transfers.journal	transfers.journal	PROPN
ejge-8198	276	14	of	of	ADP
ejge-8198	276	15	political	political	ADJ
ejge-8198	276	16	economy	economy	NOUN
ejge-8198	276	17	98	98	NUM
ejge-8198	276	18	:	:	PUNCT
ejge-8198	276	19	265	265	NUM
ejge-8198	276	20	-	-	SYM
ejge-8198	276	21	294	294	NUM
ejge-8198	276	22	.	.	PUNCT
ejge-8198	277	1	https://doi.org/10.1086/261678	https://doi.org/10.1086/261678	PROPN
ejge-8198	277	2	ilo	ilo	PROPN
ejge-8198	277	3	.	.	PUNCT
ejge-8198	277	4	(	(	PUNCT
ejge-8198	277	5	2006	2006	NUM
ejge-8198	277	6	)	)	PUNCT
ejge-8198	277	7	.	.	PUNCT
ejge-8198	278	1	vulnerability	vulnerability	NOUN
ejge-8198	278	2	and	and	CCONJ
ejge-8198	278	3	young	young	ADJ
ejge-8198	278	4	women	woman	NOUN
ejge-8198	278	5	entrepreneurs	entrepreneur	NOUN
ejge-8198	278	6	:	:	PUNCT
ejge-8198	278	7	a	a	DET
ejge-8198	278	8	case	case	NOUN
ejge-8198	278	9	study	study	NOUN
ejge-8198	278	10	of	of	ADP
ejge-8198	278	11	ethiopian	ethiopian	ADJ
ejge-8198	278	12	informal	informal	ADJ
ejge-8198	278	13	economy	economy	NOUN
ejge-8198	278	14	.	.	PUNCT
ejge-8198	279	1	geneva	geneva	PROPN
ejge-8198	279	2	:	:	PUNCT
ejge-8198	279	3	international	international	ADJ
ejge-8198	279	4	labor	labor	NOUN
ejge-8198	279	5	organization	organization	NOUN
ejge-8198	279	6	.	.	PUNCT
ejge-8198	280	1	karanja	karanja	PROPN
ejge-8198	280	2	,	,	PUNCT
ejge-8198	280	3	j.g	j.g	PROPN
ejge-8198	280	4	.	.	PROPN
ejge-8198	280	5	,	,	PUNCT
ejge-8198	280	6	mwangi	mwangi	PROPN
ejge-8198	280	7	,	,	PUNCT
ejge-8198	280	8	a.k	a.k	PROPN
ejge-8198	280	9	&	&	CCONJ
ejge-8198	280	10	nyakarimi	nyakarimi	PROPN
ejge-8198	280	11	,	,	PUNCT
ejge-8198	280	12	s.n	s.n	PROPN
ejge-8198	280	13	.	.	PROPN
ejge-8198	280	14	(	(	PUNCT
ejge-8198	280	15	2014).analysis	2014).analysis	NUM
ejge-8198	280	16	of	of	ADP
ejge-8198	280	17	factors	factor	NOUN
ejge-8198	280	18	influencing	influence	VERB
ejge-8198	280	19	access	access	NOUN
ejge-8198	280	20	to	to	ADP
ejge-8198	280	21	credit	credit	NOUN
ejge-8198	280	22	services	service	NOUN
ejge-8198	280	23	by	by	ADP
ejge-8198	280	24	women	woman	NOUN
ejge-8198	280	25	entrepreneurs	entrepreneur	NOUN
ejge-8198	280	26	in	in	ADP
ejge-8198	280	27	kenya	kenya	PROPN
ejge-8198	280	28	.	.	PUNCT
ejge-8198	281	1	kofarmata	kofarmata	PROPN
ejge-8198	281	2	,	,	PUNCT
ejge-8198	281	3	y.	y.	PROPN
ejge-8198	281	4	i.	i.	PROPN
ejge-8198	281	5	&	&	CCONJ
ejge-8198	281	6	danlami	danlami	PROPN
ejge-8198	281	7	,	,	PUNCT
ejge-8198	281	8	a.h	a.h	PROPN
ejge-8198	281	9	.	.	PROPN
ejge-8198	281	10	(	(	PUNCT
ejge-8198	281	11	2021	2021	NUM
ejge-8198	281	12	)	)	PUNCT
ejge-8198	281	13	.	.	PUNCT
ejge-8198	282	1	a	a	DET
ejge-8198	282	2	micro	micro	ADJ
ejge-8198	282	3	level	level	NOUN
ejge-8198	282	4	analysis	analysis	NOUN
ejge-8198	282	5	of	of	ADP
ejge-8198	282	6	the	the	DET
ejge-8198	282	7	intensity	intensity	NOUN
ejge-8198	282	8	of	of	ADP
ejge-8198	282	9	agricultural	agricultural	ADJ
ejge-8198	282	10	finance	finance	NOUN
ejge-8198	282	11	supply	supply	NOUN
ejge-8198	282	12	in	in	ADP
ejge-8198	282	13	nigeria	nigeria	PROPN
ejge-8198	282	14	:	:	PUNCT
ejge-8198	282	15	empirical	empirical	ADJ
ejge-8198	282	16	evidence	evidence	NOUN
ejge-8198	282	17	.	.	PUNCT
ejge-8198	283	1	sn	sn	PROPN
ejge-8198	283	2	business	business	PROPN
ejge-8198	283	3	&	&	CCONJ
ejge-8198	283	4	economics	economic	NOUN
ejge-8198	283	5	,	,	PUNCT
ejge-8198	283	6	1(12	1(12	NUM
ejge-8198	283	7	)	)	PUNCT
ejge-8198	283	8	,	,	PUNCT
ejge-8198	283	9	1	1	NUM
ejge-8198	283	10	–	–	SYM
ejge-8198	283	11	17	17	NUM
ejge-8198	283	12	.	.	PUNCT
ejge-8198	283	13	springer	springer	NOUN
ejge-8198	283	14	journal	journal	PROPN
ejge-8198	283	15	.	.	PUNCT
ejge-8198	284	1	https://doi.org/10.1007/s43546-020-00011-y	https://doi.org/10.1007/s43546-020-00011-y	PROPN
ejge-8198	284	2	kofarmata	kofarmata	PROPN
ejge-8198	284	3	,	,	PUNCT
ejge-8198	284	4	y.	y.	PROPN
ejge-8198	284	5	i.	i.	PROPN
ejge-8198	284	6	&	&	CCONJ
ejge-8198	284	7	danlami	danlami	PROPN
ejge-8198	284	8	,	,	PUNCT
ejge-8198	284	9	a.h	a.h	PROPN
ejge-8198	284	10	.	.	PROPN
ejge-8198	284	11	(	(	PUNCT
ejge-8198	284	12	2019	2019	NUM
ejge-8198	284	13	)	)	PUNCT
ejge-8198	284	14	.	.	PUNCT
ejge-8198	285	1	determinants	determinant	NOUN
ejge-8198	285	2	of	of	ADP
ejge-8198	285	3	credit	credit	NOUN
ejge-8198	285	4	rationing	ration	VERB
ejge-8198	285	5	among	among	ADP
ejge-8198	285	6	rural	rural	ADJ
ejge-8198	285	7	farmers	farmer	NOUN
ejge-8198	285	8	in	in	ADP
ejge-8198	285	9	developing	develop	VERB
ejge-8198	285	10	areas	area	NOUN
ejge-8198	285	11	:	:	PUNCT
ejge-8198	285	12	empirical	empirical	ADJ
ejge-8198	285	13	evidence	evidence	NOUN
ejge-8198	285	14	based	base	VERB
ejge-8198	285	15	on	on	ADP
ejge-8198	285	16	micro	micro	ADJ
ejge-8198	285	17	level	level	NOUN
ejge-8198	285	18	data	datum	NOUN
ejge-8198	285	19	.	.	PUNCT
ejge-8198	286	1	agricultural	agricultural	ADJ
ejge-8198	286	2	finance	finance	PROPN
ejge-8198	286	3	review	review	NOUN
ejge-8198	286	4	,	,	PUNCT
ejge-8198	286	5	79(2	79(2	NUM
ejge-8198	286	6	)	)	PUNCT
ejge-8198	286	7	,	,	PUNCT
ejge-8198	286	8	158	158	NUM
ejge-8198	286	9	–	–	SYM
ejge-8198	286	10	173	173	NUM
ejge-8198	286	11	.	.	PUNCT
ejge-8198	287	1	https://doi.org/10.1108/afr-03-2018-0023	https://doi.org/10.1108/afr-03-2018-0023	PROPN
ejge-8198	287	2	lazear	lazear	VERB
ejge-8198	287	3	,	,	PUNCT
ejge-8198	287	4	e.p	e.p	PROPN
ejge-8198	287	5	.	.	PROPN
ejge-8198	287	6	(	(	PUNCT
ejge-8198	287	7	2004	2004	NUM
ejge-8198	287	8	)	)	PUNCT
ejge-8198	287	9	.	.	PUNCT
ejge-8198	288	1	balanced	balanced	ADJ
ejge-8198	288	2	skills	skill	NOUN
ejge-8198	288	3	and	and	CCONJ
ejge-8198	288	4	entrepreneurship	entrepreneurship	NOUN
ejge-8198	288	5	.	.	PUNCT
ejge-8198	289	1	american	american	PROPN
ejge-8198	289	2	economic	economic	PROPN
ejge-8198	289	3	review	review	NOUN
ejge-8198	289	4	94	94	NUM
ejge-8198	289	5	:	:	PUNCT
ejge-8198	289	6	208	208	NUM
ejge-8198	289	7	-	-	SYM
ejge-8198	289	8	211	211	NUM
ejge-8198	289	9	.	.	PUNCT
ejge-8198	290	1	https://doi.org/10.1257/0002828041301425	https://doi.org/10.1257/0002828041301425	NOUN
ejge-8198	290	2	machira	machira	NOUN
ejge-8198	290	3	,	,	PUNCT
ejge-8198	290	4	h.k	h.k	PROPN
ejge-8198	290	5	.	.	PROPN
ejge-8198	290	6	,	,	PUNCT
ejge-8198	290	7	njati	njati	PROPN
ejge-8198	290	8	,	,	PUNCT
ejge-8198	290	9	i.c	i.c	PROPN
ejge-8198	290	10	.	.	PROPN
ejge-8198	290	11	,	,	PUNCT
ejge-8198	290	12	thaine	thaine	ADJ
ejge-8198	290	13	,	,	PUNCT
ejge-8198	290	14	k.s	k.s	PROPN
ejge-8198	290	15	.	.	PROPN
ejge-8198	290	16	&	&	CCONJ
ejge-8198	290	17	s	s	PROPN
ejge-8198	290	18	,	,	PUNCT
ejge-8198	290	19	g.h	g.h	PROPN
ejge-8198	290	20	.	.	PROPN
ejge-8198	290	21	(	(	PUNCT
ejge-8198	290	22	2014	2014	NUM
ejge-8198	290	23	)	)	PUNCT
ejge-8198	290	24	.	.	PUNCT
ejge-8198	291	1	accessibility	accessibility	NOUN
ejge-8198	291	2	of	of	ADP
ejge-8198	291	3	women	woman	NOUN
ejge-8198	291	4	enterprise	enterprise	NOUN
ejge-8198	291	5	fund	fund	NOUN
ejge-8198	291	6	and	and	CCONJ
ejge-8198	291	7	small	small	ADJ
ejge-8198	291	8	and	and	CCONJ
ejge-8198	291	9	micro	micro	ADJ
ejge-8198	291	10	-	-	ADJ
ejge-8198	291	11	women	woman	NOUN
ejge-8198	291	12	enterprise	enterprise	NOUN
ejge-8198	291	13	owners	owner	NOUN
ejge-8198	291	14	in	in	ADP
ejge-8198	291	15	thoraka	thoraka	PROPN
ejge-8198	291	16	south	south	PROPN
ejge-8198	291	17	district	district	PROPN
ejge-8198	291	18	,	,	PUNCT
ejge-8198	291	19	kenya	kenya	PROPN
ejge-8198	291	20	.	.	PUNCT
ejge-8198	292	1	https://doi.org/10.9790/487x-161379103	https://doi.org/10.9790/487x-161379103	PROPN
ejge-8198	292	2	muntai	muntai	NOUN
ejge-8198	292	3	,	,	PUNCT
ejge-8198	292	4	m.	m.	NOUN
ejge-8198	292	5	,	,	PUNCT
ejge-8198	292	6	(	(	PUNCT
ejge-8198	292	7	2015	2015	NUM
ejge-8198	292	8	)	)	PUNCT
ejge-8198	292	9	.	.	PUNCT
ejge-8198	293	1	what	what	PRON
ejge-8198	293	2	do	do	AUX
ejge-8198	293	3	we	we	PRON
ejge-8198	293	4	know	know	VERB
ejge-8198	293	5	about	about	ADP
ejge-8198	293	6	the	the	DET
ejge-8198	293	7	patterns	pattern	NOUN
ejge-8198	293	8	and	and	CCONJ
ejge-8198	293	9	determinants	determinant	NOUN
ejge-8198	293	10	of	of	ADP
ejge-8198	293	11	female	female	ADJ
ejge-8198	293	12	entrepreneurship	entrepreneurship	NOUN
ejge-8198	293	13	across	across	ADP
ejge-8198	293	14	countries	country	NOUN
ejge-8198	293	15	?	?	PUNCT
ejge-8198	294	1	european	european	ADJ
ejge-8198	294	2	journal	journal	PROPN
ejge-8198	294	3	of	of	ADP
ejge-8198	294	4	development	development	PROPN
ejge-8198	294	5	research	research	NOUN
ejge-8198	294	6	,	,	PUNCT
ejge-8198	294	7	22	22	NUM
ejge-8198	294	8	(	(	PUNCT
ejge-8198	294	9	3	3	NUM
ejge-8198	294	10	)	)	PUNCT
ejge-8198	294	11	,	,	PUNCT
ejge-8198	294	12	277	277	NUM
ejge-8198	294	13	-	-	SYM
ejge-8198	294	14	293	293	NUM
ejge-8198	294	15	.	.	PUNCT
ejge-8198	295	1	https://doi.org/10.1057/ejdr.2010.17	https://doi.org/10.1057/ejdr.2010.17	ADJ
ejge-8198	295	2	ocholah	ocholah	PROPN
ejge-8198	295	3	,	,	PUNCT
ejge-8198	295	4	r.	r.	PROPN
ejge-8198	295	5	m.	m.	PROPN
ejge-8198	295	6	,	,	PUNCT
ejge-8198	295	7	okelo	okelo	PROPN
ejge-8198	295	8	,	,	PUNCT
ejge-8198	295	9	s.	s.	PROPN
ejge-8198	295	10	,	,	PUNCT
ejge-8198	295	11	ojwang	ojwang	PROPN
ejge-8198	295	12	,	,	PUNCT
ejge-8198	295	13	c.	c.	PROPN
ejge-8198	295	14	,	,	PUNCT
ejge-8198	295	15	aila	aila	PROPN
ejge-8198	295	16	,	,	PUNCT
ejge-8198	295	17	f.	f.	PROPN
ejge-8198	295	18	,	,	PUNCT
ejge-8198	295	19	&	&	CCONJ
ejge-8198	295	20	ojera	ojera	PROPN
ejge-8198	295	21	,	,	PUNCT
ejge-8198	295	22	p.	p.	PROPN
ejge-8198	295	23	b.	b.	PROPN
ejge-8198	295	24	(	(	PUNCT
ejge-8198	295	25	2013	2013	NUM
ejge-8198	295	26	)	)	PUNCT
ejge-8198	295	27	.	.	PUNCT
ejge-8198	296	1	literature	literature	PROPN
ejge-8198	296	2	review	review	NOUN
ejge-8198	296	3	on	on	ADP
ejge-8198	296	4	the	the	DET
ejge-8198	296	5	relationship	relationship	NOUN
ejge-8198	296	6	between	between	ADP
ejge-8198	296	7	microfinance	microfinance	NOUN
ejge-8198	296	8	provision	provision	NOUN
ejge-8198	296	9	and	and	CCONJ
ejge-8198	296	10	women	woman	NOUN
ejge-8198	296	11	enterprise	enterprise	NOUN
ejge-8198	296	12	performance	performance	NOUN
ejge-8198	296	13	.	.	PUNCT
ejge-8198	297	1	greener	green	ADJ
ejge-8198	297	2	journal	journal	NOUN
ejge-8198	297	3	of	of	ADP
ejge-8198	297	4	social	social	ADJ
ejge-8198	297	5	sciences	science	NOUN
ejge-8198	297	6	,	,	PUNCT
ejge-8198	297	7	3(5	3(5	NUM
ejge-8198	297	8	)	)	PUNCT
ejge-8198	297	9	,	,	PUNCT
ejge-8198	297	10	278	278	NUM
ejge-8198	297	11	-	-	SYM
ejge-8198	297	12	285	285	NUM
ejge-8198	297	13	.	.	PUNCT
ejge-8198	298	1	https://doi.org/10.15580/gjss.2013.5.022613502	https://doi.org/10.15580/gjss.2013.5.022613502	PROPN
ejge-8198	298	2	olateji	olateji	NOUN
ejge-8198	298	3	,	,	PUNCT
ejge-8198	298	4	a.d	a.d	PROPN
ejge-8198	298	5	.	.	PROPN
ejge-8198	298	6	,	,	PUNCT
ejge-8198	298	7	aminu	aminu	PROPN
ejge-8198	298	8	,	,	PUNCT
ejge-8198	298	9	a.w	a.w	PROPN
ejge-8198	298	10	.	.	PROPN
ejge-8198	298	11	,	,	PUNCT
ejge-8198	298	12	&	&	CCONJ
ejge-8198	298	13	danmola	danmola	PROPN
ejge-8198	298	14	,	,	PUNCT
ejge-8198	298	15	r.a	r.a	PROPN
ejge-8198	298	16	.	.	PROPN
ejge-8198	298	17	(	(	PUNCT
ejge-8198	298	18	2017	2017	NUM
ejge-8198	298	19	)	)	PUNCT
ejge-8198	298	20	.	.	PUNCT
ejge-8198	299	1	the	the	DET
ejge-8198	299	2	determinants	determinant	NOUN
ejge-8198	299	3	of	of	ADP
ejge-8198	299	4	women	woman	NOUN
ejge-8198	299	5	entrepreneurs	entrepreneur	NOUN
ejge-8198	299	6	`	`	PART
ejge-8198	299	7	access	access	NOUN
ejge-8198	299	8	to	to	ADP
ejge-8198	299	9	microcredit	microcredit	NOUN
ejge-8198	299	10	progromme	progromme	PROPN
ejge-8198	299	11	:	:	PUNCT
ejge-8198	299	12	a	a	DET
ejge-8198	299	13	case	case	NOUN
ejge-8198	299	14	study	study	NOUN
ejge-8198	299	15	of	of	ADP
ejge-8198	299	16	cowrie	cowrie	NOUN
ejge-8198	299	17	’s	’s	PART
ejge-8198	299	18	microfinance	microfinance	PROPN
ejge-8198	299	19	bank	bank	PROPN
ejge-8198	299	20	lagos	lagos	PROPN
ejge-8198	299	21	,	,	PUNCT
ejge-8198	299	22	nigeria	nigeria	PROPN
ejge-8198	299	23	.	.	PUNCT
ejge-8198	300	1	international	international	ADJ
ejge-8198	300	2	journal	journal	PROPN
ejge-8198	300	3	of	of	ADP
ejge-8198	300	4	development	development	NOUN
ejge-8198	300	5	and	and	CCONJ
ejge-8198	300	6	sustainability	sustainability	NOUN
ejge-8198	300	7	6(8	6(8	NUM
ejge-8198	300	8	)	)	PUNCT
ejge-8198	300	9	,	,	PUNCT
ejge-8198	300	10	783	783	NUM
ejge-8198	300	11	-	-	SYM
ejge-8198	300	12	791	791	NUM
ejge-8198	300	13	.	.	PUNCT
ejge-8198	301	1	richardson	richardson	PROPN
ejge-8198	301	2	,	,	PUNCT
ejge-8198	301	3	p.	p.	PROPN
ejge-8198	301	4	,	,	PUNCT
ejge-8198	301	5	howarth	howarth	PROPN
ejge-8198	301	6	,	,	PUNCT
ejge-8198	301	7	r.	r.	PROPN
ejge-8198	301	8	,	,	PUNCT
ejge-8198	301	9	&	&	CCONJ
ejge-8198	301	10	finnegan	finnegan	PROPN
ejge-8198	301	11	,	,	PUNCT
ejge-8198	301	12	g.	g.	PROPN
ejge-8198	301	13	(	(	PUNCT
ejge-8198	301	14	2004	2004	NUM
ejge-8198	301	15	)	)	PUNCT
ejge-8198	301	16	.	.	PUNCT
ejge-8198	302	1	the	the	DET
ejge-8198	302	2	challenges	challenge	NOUN
ejge-8198	302	3	of	of	ADP
ejge-8198	302	4	growing	grow	VERB
ejge-8198	302	5	small	small	ADJ
ejge-8198	302	6	businesses	business	NOUN
ejge-8198	302	7	:	:	PUNCT
ejge-8198	302	8	insights	insight	NOUN
ejge-8198	302	9	from	from	ADP
ejge-8198	302	10	women	woman	NOUN
ejge-8198	302	11	entrepreneurs	entrepreneur	NOUN
ejge-8198	302	12	in	in	ADP
ejge-8198	302	13	africa	africa	PROPN
ejge-8198	302	14	.	.	PUNCT
ejge-8198	303	1	seed	seed	NOUN
ejge-8198	303	2	working	working	PROPN
ejge-8198	303	3	paper	paper	NOUN
ejge-8198	303	4	no.47.geneva	no.47.geneva	PROPN
ejge-8198	303	5	:	:	PUNCT
ejge-8198	303	6	international	international	ADJ
ejge-8198	303	7	labour	labour	PROPN
ejge-8198	303	8	office	office	NOUN
ejge-8198	303	9	.	.	PUNCT
ejge-8198	304	1	schmitz	schmitz	PROPN
ejge-8198	304	2	,	,	PUNCT
ejge-8198	304	3	j.a	j.a	PROPN
ejge-8198	304	4	.	.	PROPN
ejge-8198	304	5	(	(	PUNCT
ejge-8198	304	6	1989	1989	NUM
ejge-8198	304	7	)	)	PUNCT
ejge-8198	304	8	.	.	PUNCT
ejge-8198	305	1	imitation	imitation	NOUN
ejge-8198	305	2	,	,	PUNCT
ejge-8198	305	3	entrepreneurship	entrepreneurship	NOUN
ejge-8198	305	4	,	,	PUNCT
ejge-8198	305	5	and	and	CCONJ
ejge-8198	305	6	long	long	ADV
ejge-8198	305	7	-	-	PUNCT
ejge-8198	305	8	run	run	NOUN
ejge-8198	305	9	growth	growth	NOUN
ejge-8198	305	10	.	.	PUNCT
ejge-8198	306	1	journal	journal	NOUN
ejge-8198	306	2	of	of	ADP
ejge-8198	306	3	political	political	ADJ
ejge-8198	306	4	economy	economy	NOUN
ejge-8198	306	5	,	,	PUNCT
ejge-8198	306	6	97(3	97(3	NUM
ejge-8198	306	7	)	)	PUNCT
ejge-8198	306	8	,	,	PUNCT
ejge-8198	306	9	721	721	NUM
ejge-8198	306	10	–	–	PUNCT
ejge-8198	306	11	739	739	NUM
ejge-8198	306	12	.	.	PUNCT
ejge-8198	307	1	https://doi.org/10.1086/261624	https://doi.org/10.1086/261624	PROPN
ejge-8198	307	2	schultz	schultz	PROPN
ejge-8198	307	3	,	,	PUNCT
ejge-8198	307	4	t.w	t.w	PROPN
ejge-8198	307	5	.	.	PROPN
ejge-8198	307	6	(	(	PUNCT
ejge-8198	307	7	1975	1975	NUM
ejge-8198	307	8	)	)	PUNCT
ejge-8198	307	9	.	.	PUNCT
ejge-8198	308	1	the	the	DET
ejge-8198	308	2	value	value	NOUN
ejge-8198	308	3	of	of	ADP
ejge-8198	308	4	the	the	DET
ejge-8198	308	5	ability	ability	NOUN
ejge-8198	308	6	to	to	PART
ejge-8198	308	7	deal	deal	VERB
ejge-8198	308	8	with	with	ADP
ejge-8198	308	9	disequilibria	disequilibria	PROPN
ejge-8198	308	10	,	,	PUNCT
ejge-8198	308	11	journal	journal	NOUN
ejge-8198	308	12	of	of	ADP
ejge-8198	308	13	economic	economic	ADJ
ejge-8198	308	14	literature	literature	NOUN
ejge-8198	308	15	,	,	PUNCT
ejge-8198	308	16	13	13	NUM
ejge-8198	308	17	,	,	PUNCT
ejge-8198	308	18	827	827	NUM
ejge-8198	308	19	-	-	SYM
ejge-8198	308	20	846	846	NUM
ejge-8198	308	21	.	.	PUNCT
ejge-8198	308	22	tsauni	tsauni	NOUN
ejge-8198	308	23	,	,	PUNCT
ejge-8198	308	24	a.m.	a.m.	ADV
ejge-8198	308	25	,	,	PUNCT
ejge-8198	308	26	&	&	CCONJ
ejge-8198	308	27	danlami	danlami	PROPN
ejge-8198	308	28	,	,	PUNCT
ejge-8198	308	29	a.h	a.h	PROPN
ejge-8198	308	30	.	.	PROPN
ejge-8198	308	31	(	(	PUNCT
ejge-8198	308	32	2016	2016	NUM
ejge-8198	308	33	)	)	PUNCT
ejge-8198	308	34	.	.	PUNCT
ejge-8198	309	1	social	social	ADJ
ejge-8198	309	2	capital	capital	NOUN
ejge-8198	309	3	formation	formation	NOUN
ejge-8198	309	4	and	and	CCONJ
ejge-8198	309	5	implication	implication	NOUN
ejge-8198	309	6	for	for	ADP
ejge-8198	309	7	the	the	DET
ejge-8198	309	8	achievement	achievement	NOUN
ejge-8198	309	9	of	of	ADP
ejge-8198	309	10	fadama	fadama	PROPN
ejge-8198	309	11	iii	iii	PROPN
ejge-8198	309	12	project	project	PROPN
ejge-8198	309	13	development	development	NOUN
ejge-8198	309	14	in	in	ADP
ejge-8198	309	15	kano	kano	PROPN
ejge-8198	309	16	state	state	PROPN
ejge-8198	309	17	,	,	PUNCT
ejge-8198	309	18	nigeria	nigeria	PROPN
ejge-8198	309	19	.	.	PUNCT
ejge-8198	310	1	hyperion	hyperion	PROPN
ejge-8198	310	2	economic	economic	ADJ
ejge-8198	310	3	journal	journal	NOUN
ejge-8198	310	4	1(4	1(4	NUM
ejge-8198	310	5	)	)	PUNCT
ejge-8198	310	6	,	,	PUNCT
ejge-8198	310	7	37	37	NUM
ejge-8198	310	8	–	–	SYM
ejge-8198	310	9	48	48	NUM
ejge-8198	310	10	.	.	PUNCT
ejge-8198	311	1	waari	waari	PROPN
ejge-8198	311	2	,	,	PUNCT
ejge-8198	311	3	d.n	d.n	PROPN
ejge-8198	311	4	.	.	PROPN
ejge-8198	311	5	&	&	CCONJ
ejge-8198	311	6	mwangi	mwangi	PROPN
ejge-8198	311	7	,	,	PUNCT
ejge-8198	311	8	w.m	w.m	PROPN
ejge-8198	311	9	.	.	PROPN
ejge-8198	311	10	(	(	PUNCT
ejge-8198	311	11	2015	2015	NUM
ejge-8198	311	12	)	)	PUNCT
ejge-8198	311	13	.	.	PUNCT
ejge-8198	312	1	factors	factor	NOUN
ejge-8198	312	2	influencing	influence	VERB
ejge-8198	312	3	access	access	NOUN
ejge-8198	312	4	to	to	ADP
ejge-8198	312	5	finance	finance	NOUN
ejge-8198	312	6	by	by	ADP
ejge-8198	312	7	micro	micro	PROPN
ejge-8198	312	8	,	,	PUNCT
ejge-8198	312	9	small	small	ADJ
ejge-8198	312	10	and	and	CCONJ
ejge-8198	312	11	medium	medium	ADJ
ejge-8198	312	12	enterprises	enterprise	NOUN
ejge-8198	312	13	in	in	ADP
ejge-8198	312	14	merucounty	merucounty	NOUN
ejge-8198	312	15	,	,	PUNCT
ejge-8198	312	16	kenya	kenya	PROPN
ejge-8198	312	17	.	.	PUNCT
ejge-8198	313	1	international	international	ADJ
ejge-8198	313	2	journal	journal	PROPN
ejge-8198	313	3	of	of	ADP
ejge-8198	313	4	economics	economic	NOUN
ejge-8198	313	5	,	,	PUNCT
ejge-8198	313	6	commerce	commerce	NOUN
ejge-8198	313	7	and	and	CCONJ
ejge-8198	313	8	management	management	NOUN
ejge-8198	313	9	,	,	PUNCT
ejge-8198	313	10	iii(4	iii(4	NOUN
ejge-8198	313	11	)	)	PUNCT
ejge-8198	313	12	,	,	PUNCT
ejge-8198	313	13	1	1	NUM
ejge-8198	313	14	-	-	SYM
ejge-8198	313	15	15	15	NUM
ejge-8198	313	16	.	.	PUNCT
ejge-8198	314	1	world	world	PROPN
ejge-8198	314	2	bank	bank	PROPN
ejge-8198	314	3	.	.	PUNCT
ejge-8198	315	1	(	(	PUNCT
ejge-8198	315	2	2012	2012	NUM
ejge-8198	315	3	)	)	PUNCT
ejge-8198	315	4	.	.	PUNCT
ejge-8198	316	1	the	the	DET
ejge-8198	316	2	world	world	PROPN
ejge-8198	316	3	bank	bank	PROPN
ejge-8198	316	4	annual	annual	ADJ
ejge-8198	316	5	report	report	NOUN
ejge-8198	316	6	2012	2012	NUM
ejge-8198	316	7	:	:	PUNCT
ejge-8198	316	8	volume	volume	NOUN
ejge-8198	316	9	1	1	NUM
ejge-8198	316	10	.	.	PUNCT
ejge-8198	316	11	main	main	ADJ
ejge-8198	316	12	report	report	NOUN
ejge-8198	316	13	.	.	PUNCT
ejge-8198	317	1	world	world	PROPN
ejge-8198	317	2	bank	bank	PROPN
ejge-8198	317	3	annual	annual	ADJ
ejge-8198	317	4	report	report	NOUN
ejge-8198	317	5	.	.	PUNCT
ejge-8198	318	1	https://doi.org/10.1596/978-0-8213-9568-4	https://doi.org/10.1596/978-0-8213-9568-4	NOUN
ejge-8198	318	2	wosowei	wosowei	PROPN
ejge-8198	318	3	,	,	PUNCT
ejge-8198	318	4	e.c	e.c	PROPN
ejge-8198	318	5	.	.	PROPN
ejge-8198	318	6	,	,	PUNCT
ejge-8198	318	7	&	&	CCONJ
ejge-8198	318	8	ifelunini	ifelunini	PROPN
ejge-8198	318	9	,	,	PUNCT
ejge-8198	318	10	i.a	i.a	PROPN
ejge-8198	318	11	.	.	PROPN
ejge-8198	318	12	(	(	PUNCT
ejge-8198	318	13	2013	2013	NUM
ejge-8198	318	14	)	)	PUNCT
ejge-8198	318	15	.	.	PUNCT
ejge-8198	319	1	constraints	constraint	NOUN
ejge-8198	319	2	to	to	ADP
ejge-8198	319	3	women	woman	NOUN
ejge-8198	319	4	entrepreneurs	entrepreneur	NOUN
ejge-8198	319	5	`	`	PART
ejge-8198	319	6	access	access	NOUN
ejge-8198	319	7	to	to	ADP
ejge-8198	319	8	microfinance	microfinance	NOUN
ejge-8198	319	9	in	in	ADP
ejge-8198	319	10	south	south	ADJ
ejge-8198	319	11	–	–	PUNCT
ejge-8198	319	12	south	south	PROPN
ejge-8198	319	13	nigeria	nigeria	PROPN
ejge-8198	319	14	.	.	PUNCT
ejge-8198	320	1	research	research	NOUN
ejge-8198	320	2	journal	journal	PROPN
ejge-8198	320	3	of	of	ADP
ejge-8198	320	4	finance	finance	NOUN
ejge-8198	320	5	and	and	CCONJ
ejge-8198	320	6	accounting	accounting	NOUN
ejge-8198	320	7	,	,	PUNCT
ejge-8198	320	8	4(6	4(6	NUM
ejge-8198	320	9	)	)	PUNCT
ejge-8198	320	10	,	,	PUNCT
ejge-8198	320	11	613	613	NUM
ejge-8198	320	12	.	.	PUNCT
ejge-8198	321	1	https://doi.org/10.1080/17597269.2016.1226724	https://doi.org/10.1080/17597269.2016.1226724	NOUN
ejge-8198	322	1	https://doi.org/10.1016/j.kjss.2018.06.010	https://doi.org/10.1016/j.kjss.2018.06.010	NOUN
ejge-8198	322	2	https://doi.org/10.5772/intechopen.89597	https://doi.org/10.5772/intechopen.89597	NOUN
ejge-8198	322	3	https://doi.org/10.1186/s40497-014-0016-1	https://doi.org/10.1186/s40497-014-0016-1	NUM
ejge-8198	322	4	https://doi.org/10.1086/261678	https://doi.org/10.1086/261678	NUM
ejge-8198	322	5	https://doi.org/10.1007/s43546-020-00011-y	https://doi.org/10.1007/s43546-020-00011-y	PROPN
ejge-8198	322	6	https://doi.org/10.1108/afr-03-2018-0023	https://doi.org/10.1108/afr-03-2018-0023	PROPN
ejge-8198	322	7	https://doi.org/10.1257/0002828041301425	https://doi.org/10.1257/0002828041301425	NOUN
ejge-8198	322	8	https://doi.org/10.9790/487x-161379103	https://doi.org/10.9790/487x-161379103	NOUN
ejge-8198	322	9	https://doi.org/10.1057/ejdr.2010.17	https://doi.org/10.1057/ejdr.2010.17	PROPN
ejge-8198	322	10	https://doi.org/10.15580/gjss.2013.5.022613502	https://doi.org/10.15580/gjss.2013.5.022613502	NOUN
ejge-8198	322	11	https://doi.org/10.1086/261624	https://doi.org/10.1086/261624	NOUN
ejge-8198	322	12	https://doi.org/10.1596/978-0-8213-9568-4	https://doi.org/10.1596/978-0-8213-9568-4	VERB
ejge-8198	322	13	1	1	NUM
ejge-8198	322	14	.	.	PUNCT
ejge-8198	323	1	introduction	introduction	NOUN
ejge-8198	323	2	2	2	NUM
ejge-8198	323	3	.	.	PUNCT
ejge-8198	323	4	literature	literature	NOUN
ejge-8198	323	5	review	review	PROPN
ejge-8198	323	6	and	and	CCONJ
ejge-8198	323	7	theoretical	theoretical	ADJ
ejge-8198	323	8	framework	framework	NOUN
ejge-8198	323	9	3	3	NUM
ejge-8198	323	10	.	.	X
ejge-8198	323	11	methodology	methodology	NOUN
ejge-8198	323	12	4	4	NUM
ejge-8198	323	13	.	.	PUNCT
ejge-8198	323	14	results	result	VERB
ejge-8198	323	15	5	5	NUM
ejge-8198	323	16	.	.	PUNCT
ejge-8198	323	17	conclusions	conclusion	NOUN
ejge-8198	323	18	and	and	CCONJ
ejge-8198	323	19	recommendations	recommendation	NOUN
ejge-8198	323	20	references	reference	NOUN