id	sid	eid	entity	type
faba-237	1	1	1	CARDINAL
faba-237	1	2	7	CARDINAL
faba-237	1	3	1	CARDINAL
faba-237	1	4	2025	DATE
faba-237	1	5	issn 2603-5324	PERSON
faba-237	1	6	malawi	GPE
faba-237	1	7	chipeta1	PERSON
faba-237	1	8	andrew munthopa lipunga2	PERSON
faba-237	1	9	sciences1 malawi university of business	ORG
faba-237	1	10	sciences2	PERSON
faba-237	1	11	14	CARDINAL
faba-237	1	12	october 2024	DATE
faba-237	1	13	12 january 2025	DATE
faba-237	1	14	11	CARDINAL
faba-237	1	15	february 2025	DATE
faba-237	2	1	malawi	GPE
faba-237	8	1	first	ORDINAL
faba-237	8	2	malawi	GPE
faba-237	8	3	fintech	ORG
faba-237	8	4	malawi	GPE
faba-237	8	5	andrew m. lipunga	PERSON
faba-237	8	6	7	CARDINAL
faba-237	8	7	1	CARDINAL
faba-237	8	8	2	CARDINAL
faba-237	8	9	2021	CARDINAL
faba-237	9	1	2021	CARDINAL
faba-237	10	1	fintech	ORG
faba-237	10	2	malawi	GPE
faba-237	11	1	allen et al	PERSON
faba-237	11	2	2021	CARDINAL
faba-237	13	1	fintech	ORG
faba-237	13	2	up to 64% and 96%	PERCENT
faba-237	13	3	hassan et al	PERSON
faba-237	13	4	2022	CARDINAL
faba-237	14	1	70%	PERCENT
faba-237	14	2	the next ten years	DATE
faba-237	14	3	2020	DATE
faba-237	15	1	africa	LOC
faba-237	16	1	2023	CARDINAL
faba-237	16	2	68%	PERCENT
faba-237	16	3	africa	LOC
faba-237	16	4	2023	CARDINAL
faba-237	17	1	malawi	GPE
faba-237	17	2	africa	LOC
faba-237	18	1	34%	PERCENT
faba-237	18	2	2015	DATE
faba-237	18	3	45%	PERCENT
faba-237	18	4	2018	DATE
faba-237	18	5	2020	DATE
faba-237	21	1	fintech	ORG
faba-237	25	1	undp	ORG
faba-237	25	2	malawi 2023	PERSON
faba-237	26	1	cooperatives	ORG
faba-237	26	2	2023	CARDINAL
faba-237	27	1	september 2023	DATE
faba-237	27	2	malawi	GPE
faba-237	27	3	forty-four	CARDINAL
faba-237	27	4	the malawi union of savings	ORG
faba-237	28	1	two hundred twenty-two thousand nine hundred	CARDINAL
faba-237	28	2	eleven	CARDINAL
faba-237	28	3	2023	CARDINAL
faba-237	29	1	2019	DATE
faba-237	30	1	2019	DATE
faba-237	30	2	muscco	PERSON
faba-237	30	3	thirty-eight	CARDINAL
faba-237	30	4	one hundred fifteen thousand one hundred	MONEY
faba-237	30	5	2020	DATE
faba-237	31	1	malawi	GPE
faba-237	31	2	2021	CARDINAL
faba-237	32	1	2020	DATE
faba-237	32	2	2020	DATE
faba-237	35	1	malawi	GPE
faba-237	35	2	2022	CARDINAL
faba-237	36	1	2023	CARDINAL
faba-237	36	2	najib et al	PERSON
faba-237	36	3	2021	CARDINAL
faba-237	36	4	2019	DATE
faba-237	36	5	hassan et al	PERSON
faba-237	36	6	2022	CARDINAL
faba-237	36	7	rahim	NORP
faba-237	36	8	2023	CARDINAL
faba-237	36	9	2023	CARDINAL
faba-237	36	10	2022	CARDINAL
faba-237	38	1	fintech	ORG
faba-237	38	2	saccos	PERSON
faba-237	38	3	malawi	GPE
faba-237	39	1	one	CARDINAL
faba-237	40	1	2	CARDINAL
faba-237	40	2	3	CARDINAL
faba-237	40	3	2014	DATE
faba-237	42	1	2022	CARDINAL
faba-237	43	1	reuben b.	PERSON
faba-237	43	2	andrew m. lipunga	PERSON
faba-237	43	3	7	CARDINAL
faba-237	43	4	1	CARDINAL
faba-237	44	1	2003	DATE
faba-237	46	1	eight	CARDINAL
faba-237	46	2	sct	ORG
faba-237	46	3	williams	PERSON
faba-237	46	4	2015	DATE
faba-237	46	5	2003	DATE
faba-237	48	1	tra	ORG
faba-237	48	2	mm	PERSON
faba-237	51	1	thirty-two	CARDINAL
faba-237	51	2	four	CARDINAL
faba-237	51	3	aziz et al.	PERSON
faba-237	51	4	2020	DATE
faba-237	52	1	williams et al	PERSON
faba-237	53	1	2015	DATE
faba-237	53	2	four	CARDINAL
faba-237	54	1	2022	CARDINAL
faba-237	55	1	four	CARDINAL
faba-237	55	2	saccos	GPE
faba-237	57	1	2012	DATE
faba-237	58	1	2014	DATE
faba-237	60	1	fintech	ORG
faba-237	61	1	2023	CARDINAL
faba-237	61	2	najib et al	PERSON
faba-237	61	3	2021	CARDINAL
faba-237	61	4	2019	DATE
faba-237	61	5	makongoro	ORG
faba-237	61	6	2014	DATE
faba-237	61	7	yan et al.	PERSON
faba-237	61	8	2021	CARDINAL
faba-237	61	9	fintech	ORG
faba-237	62	1	fintech	ORG
faba-237	62	2	2023	CARDINAL
faba-237	62	3	2019	DATE
faba-237	62	4	2019	DATE
faba-237	63	1	hassan et al	PERSON
faba-237	63	2	2022	CARDINAL
faba-237	63	3	2022	CARDINAL
faba-237	63	4	rahim et al	PERSON
faba-237	63	5	2023	CARDINAL
faba-237	63	6	fintech	ORG
faba-237	65	1	saccos	GPE
faba-237	66	1	2012	DATE
faba-237	67	1	the day	DATE
faba-237	67	2	2016	DATE
faba-237	68	1	zakariyah et al	GPE
faba-237	69	1	2023	CARDINAL
faba-237	69	2	2023	CARDINAL
faba-237	69	3	hassan et al	PERSON
faba-237	69	4	2022	CARDINAL
faba-237	69	5	chan et al	PERSON
faba-237	69	6	2022	CARDINAL
faba-237	69	7	rahim et al	PERSON
faba-237	69	8	2023	CARDINAL
faba-237	69	9	najib et al	PERSON
faba-237	69	10	2021	CARDINAL
faba-237	69	11	nawayseh	GPE
faba-237	69	12	2020	DATE
faba-237	70	1	2019	DATE
faba-237	71	1	2019	DATE
faba-237	72	1	fintech	ORG
faba-237	74	1	2022	CARDINAL
faba-237	75	1	indonesia	GPE
faba-237	75	2	malaysia	GPE
faba-237	76	1	saccos	GPE
faba-237	77	1	2012	DATE
faba-237	80	1	2019	DATE
faba-237	81	1	oliveira et al	PERSON
faba-237	81	2	2014	DATE
faba-237	81	3	al	ORG
faba-237	81	4	2016	DATE
faba-237	81	5	2012	DATE
faba-237	84	1	2023	CARDINAL
faba-237	84	2	rahim et al	PERSON
faba-237	85	1	2023	CARDINAL
faba-237	86	1	yan et al	PERSON
faba-237	86	2	2021	CARDINAL
faba-237	86	3	2019	DATE
faba-237	86	4	najib et al	PERSON
faba-237	87	1	2021	CARDINAL
faba-237	88	1	2023	CARDINAL
faba-237	88	2	hasyim	ORG
faba-237	88	3	2022	CARDINAL
faba-237	88	4	rabbani	PERSON
faba-237	88	5	2022	CARDINAL
faba-237	88	6	sunardi	PERSON
faba-237	88	7	2021	CARDINAL
faba-237	88	8	maharani	PERSON
faba-237	88	9	2021	CARDINAL
faba-237	88	10	chakraborty	ORG
faba-237	88	11	2021	CARDINAL
faba-237	88	12	angelina et al	PERSON
faba-237	88	13	2021	CARDINAL
faba-237	88	14	fintech	ORG
faba-237	89	1	andrew m. lipunga	PERSON
faba-237	89	2	7	CARDINAL
faba-237	89	3	1	CARDINAL
faba-237	89	4	saccos	GPE
faba-237	90	1	2011	DATE
faba-237	92	1	2012	DATE
faba-237	94	1	fintech	ORG
faba-237	95	1	hassan et al	PERSON
faba-237	96	1	2022),rahim	CARDINAL
faba-237	96	2	2023	CARDINAL
faba-237	96	3	sunardi	PERSON
faba-237	96	4	2021	CARDINAL
faba-237	96	5	angelina et al	PERSON
faba-237	97	1	2021	CARDINAL
faba-237	98	1	2023	CARDINAL
faba-237	99	1	2019	DATE
faba-237	99	2	hu et al	PERSON
faba-237	99	3	2019	DATE
faba-237	99	4	najib et al	PERSON
faba-237	100	1	2021	CARDINAL
faba-237	101	1	hasyim	ORG
faba-237	101	2	2022	CARDINAL
faba-237	101	3	2022	CARDINAL
faba-237	102	1	2023	CARDINAL
faba-237	102	2	fintech	ORG
faba-237	103	1	saccos	GPE
faba-237	104	1	1	CARDINAL
faba-237	105	1	four	CARDINAL
faba-237	106	1	2024	CARDINAL
faba-237	107	1	1	CARDINAL
faba-237	110	1	saccos	GPE
faba-237	110	2	malawi	GPE
faba-237	111	1	forty-four	CARDINAL
faba-237	111	2	the malawi union of savings	ORG
faba-237	111	3	september 2023	DATE
faba-237	111	4	2023	CARDINAL
faba-237	115	1	one	CARDINAL
faba-237	116	1	forty-four	CARDINAL
faba-237	116	2	thirty-three	CARDINAL
faba-237	117	1	72%	PERCENT
faba-237	118	1	saccos	PERSON
faba-237	120	1	1-5	CARDINAL
faba-237	123	1	andrew m. lipunga	PERSON
faba-237	123	2	7	CARDINAL
faba-237	123	3	1	CARDINAL
faba-237	124	1	0	CARDINAL
faba-237	124	2	fintech	ORG
faba-237	124	3	1	CARDINAL
faba-237	124	4	fintech	ORG
faba-237	126	1	1	CARDINAL
faba-237	126	2	φ	ORG
faba-237	126	3	1	CARDINAL
faba-237	126	4	fintech	ORG
faba-237	126	5	0	CARDINAL
faba-237	126	6	1	CARDINAL
faba-237	126	7	2	CARDINAL
faba-237	126	8	3	CARDINAL
faba-237	126	9	4	CARDINAL
faba-237	126	10	first	ORDINAL
faba-237	126	11	second	ORDINAL
faba-237	126	12	third	ORDINAL
faba-237	126	13	fourth	ORDINAL
faba-237	128	1	33	CARDINAL
faba-237	128	2	32	CARDINAL
faba-237	128	3	72%	PERCENT
faba-237	129	1	years	DATE
faba-237	129	2	34%	PERCENT
faba-237	129	3	less than 10 years old	DATE
faba-237	130	1	years of existence	DATE
faba-237	131	1	the remaining 31%	PERCENT
faba-237	131	2	more than 20 years	DATE
faba-237	132	1	97%	PERCENT
faba-237	132	2	less than 20,000	CARDINAL
faba-237	133	1	3%	PERCENT
faba-237	133	2	more than 20,000	CARDINAL
faba-237	134	1	1	CARDINAL
faba-237	134	2	5	CARDINAL
faba-237	134	3	1	CARDINAL
faba-237	134	4	2	CARDINAL
faba-237	134	5	3	CARDINAL
faba-237	134	6	4	CARDINAL
faba-237	134	7	5	CARDINAL
faba-237	134	8	1	CARDINAL
faba-237	135	1	four	CARDINAL
faba-237	136	1	1	CARDINAL
faba-237	137	1	1	CARDINAL
faba-237	138	1	32	CARDINAL
faba-237	138	2	32	CARDINAL
faba-237	138	3	2.500 5.000	CARDINAL
faba-237	138	4	32	CARDINAL
faba-237	138	5	2.333 5.000	CARDINAL
faba-237	138	6	32	CARDINAL
faba-237	138	7	4.667	CARDINAL
faba-237	138	8	2024	CARDINAL
faba-237	138	9	87.5%	PERCENT
faba-237	140	1	3.5	CARDINAL
faba-237	140	2	4.1	CARDINAL
faba-237	141	1	3	CARDINAL
faba-237	142	1	3.820	CARDINAL
faba-237	142	2	3	CARDINAL
faba-237	142	3	4	CARDINAL
faba-237	143	1	4.089	CARDINAL
faba-237	143	2	4	CARDINAL
faba-237	144	1	4.203	CARDINAL
faba-237	144	2	4	CARDINAL
faba-237	145	1	4.667	CARDINAL
faba-237	145	2	5	CARDINAL
faba-237	145	3	4	CARDINAL
faba-237	146	1	reuben b.	PERSON
faba-237	146	2	andrew m. lipunga	PERSON
faba-237	146	3	7	CARDINAL
faba-237	146	4	1	CARDINAL
faba-237	146	5	6	CARDINAL
faba-237	148	1	2	CARDINAL
faba-237	148	2	2	CARDINAL
faba-237	149	1	fintech	ORG
faba-237	149	2	32	CARDINAL
faba-237	149	3	0.600 0.375	MONEY
faba-237	149	4	0.706	MONEY
faba-237	149	5	32	CARDINAL
faba-237	149	6	0.772	CARDINAL
faba-237	149	7	32	CARDINAL
faba-237	149	8	32	CARDINAL
faba-237	149	9	0.683	CARDINAL
faba-237	149	10	32	CARDINAL
faba-237	149	11	0.488	CARDINAL
faba-237	149	12	0.792	TIME
faba-237	149	13	0.3999	CARDINAL
faba-237	149	14	2024	CARDINAL
faba-237	149	15	0.77	CARDINAL
faba-237	150	1	0.792	CARDINAL
faba-237	153	1	first	ORDINAL
faba-237	153	2	zakariyah et al	FAC
faba-237	153	3	2023	CARDINAL
faba-237	154	1	0.80	CARDINAL
faba-237	154	2	shrestha	GPE
faba-237	154	3	2020	DATE
faba-237	154	4	0.70	CARDINAL
faba-237	154	5	2010	DATE
faba-237	154	6	al	ORG
faba-237	154	7	2016	DATE
faba-237	156	1	less than 3	CARDINAL
faba-237	157	1	3	CARDINAL
faba-237	157	2	4	CARDINAL
faba-237	158	1	1	CARDINAL
faba-237	159	1	fintech	ORG
faba-237	159	2	fintech	ORG
faba-237	159	3	1	CARDINAL
faba-237	159	4	0.291 1	CARDINAL
faba-237	159	5	0.560 0.476 1	QUANTITY
faba-237	159	6	0.521 0.392	MONEY
faba-237	159	7	0.087	MONEY
faba-237	159	8	2024	CARDINAL
faba-237	159	9	2	CARDINAL
faba-237	159	10	1	CARDINAL
faba-237	159	11	2.18	CARDINAL
faba-237	159	12	1.96 0.510071	CARDINAL
faba-237	159	13	1.32	CARDINAL
faba-237	159	14	0.760272	MONEY
faba-237	159	15	1.13	CARDINAL
faba-237	159	16	0.884962	MONEY
faba-237	159	17	2024	CARDINAL
faba-237	160	1	3	CARDINAL
faba-237	160	2	less than 0.70	CARDINAL
faba-237	161	1	4	CARDINAL
faba-237	161	2	less than 3	CARDINAL
faba-237	161	3	andrew m. lipunga	PERSON
faba-237	161	4	7	CARDINAL
faba-237	161	5	1	CARDINAL
faba-237	161	6	7	CARDINAL
faba-237	161	7	2004	DATE
faba-237	162	1	23.55	CARDINAL
faba-237	162	2	0.0000	CARDINAL
faba-237	164	1	2021	CARDINAL
faba-237	168	1	5	CARDINAL
faba-237	169	1	3	CARDINAL
faba-237	173	1	95%	PERCENT
faba-237	175	1	1.015295	CARDINAL
faba-237	176	1	2.311203	CARDINAL
faba-237	176	2	0.066392	CARDINAL
faba-237	176	3	0.413	CARDINAL
faba-237	178	1	1.129081	CARDINAL
faba-237	178	2	2024	CARDINAL
faba-237	180	1	less than 0.01	CARDINAL
faba-237	180	2	6	CARDINAL
faba-237	181	1	6	CARDINAL
faba-237	182	1	0.008	CARDINAL
faba-237	184	1	4	CARDINAL
faba-237	186	1	95%	PERCENT
faba-237	186	2	1.486	CARDINAL
faba-237	186	3	2.603631	MONEY
faba-237	186	4	3.341	CARDINAL
faba-237	186	5	6.401008	MONEY
faba-237	186	6	1.119	CARDINAL
faba-237	186	7	0.069	CARDINAL
faba-237	186	8	2.676093	CARDINAL
faba-237	186	9	4.386 0.005 1.6 0.271	QUANTITY
faba-237	186	10	0.001 10.261 n	QUANTITY
faba-237	186	11	0.008	CARDINAL
faba-237	186	12	32	CARDINAL
faba-237	186	13	2024	CARDINAL
faba-237	186	14	saccos	GPE
faba-237	186	15	malawi	GPE
faba-237	187	1	0.009	CARDINAL
faba-237	187	2	9.18%	PERCENT
faba-237	189	1	2023	CARDINAL
faba-237	189	2	2014	DATE
faba-237	189	3	najib et al	PERSON
faba-237	189	4	2021	CARDINAL
faba-237	190	1	2019	DATE
faba-237	191	1	2019	DATE
faba-237	193	1	0.032	CARDINAL
faba-237	193	2	21%	PERCENT
faba-237	194	1	johnson et al	PERSON
faba-237	195	1	2017	CARDINAL
faba-237	196	1	2016	DATE
faba-237	197	1	fintech	ORG
faba-237	198	1	reuben b.	PERSON
faba-237	198	2	andrew m. lipunga	PERSON
faba-237	198	3	7	CARDINAL
faba-237	198	4	1	CARDINAL
faba-237	198	5	0.159	CARDINAL
faba-237	198	6	0.05	CARDINAL
faba-237	200	1	one	CARDINAL
faba-237	201	1	mckillop et al	PERSON
faba-237	201	2	2020	DATE
faba-237	201	3	fintech	ORG
faba-237	202	1	fintech	ORG
faba-237	203	1	malawi	GPE
faba-237	205	1	saccos	GPE
faba-237	206	1	0.005	CARDINAL
faba-237	206	2	27%	PERCENT
faba-237	207	1	angelina et al	PERSON
faba-237	208	1	2021	CARDINAL
faba-237	208	2	hassan et al	PERSON
faba-237	208	3	2022	CARDINAL
faba-237	208	4	hu et al	PERSON
faba-237	209	1	2019	DATE
faba-237	209	2	najib et al	PERSON
faba-237	209	3	2021	CARDINAL
faba-237	210	1	2019	DATE
faba-237	211	1	2019	DATE
faba-237	213	1	the world bank	ORG
faba-237	213	2	2021	CARDINAL
faba-237	213	3	hornuf et al	PERSON
faba-237	214	1	2025	DATE
faba-237	215	1	saccos	GPE
faba-237	215	2	malawi	GPE
faba-237	221	1	al nawayseh	PERSON
faba-237	221	2	m. k. 2020	PERSON
faba-237	222	1	fintech	ORG
faba-237	222	2	covid-19	GPE
faba-237	223	1	6(4	CARDINAL
faba-237	223	2	153	CARDINAL
faba-237	224	1	allen, f.	PERSON
faba-237	224	2	x. gu	PERSON
faba-237	224	3	j. jagtiani	PERSON
faba-237	225	1	2021	CARDINAL
faba-237	226	1	fintech	ORG
faba-237	227	1	1(3–4	DATE
faba-237	227	2	259–339	CARDINAL
faba-237	228	1	angelina	GPE
faba-237	228	2	kurniadi	GPE
faba-237	228	3	g. g. hendityasari	PERSON
faba-237	228	4	m. mariani 2021	PERSON
faba-237	229	1	utaut2	ORG
faba-237	230	1	turkish	NORP
faba-237	231	1	chan	GPE
faba-237	231	2	r.	NORP
faba-237	231	3	i. troshani	PERSON
faba-237	231	4	s. rao hill	PERSON
faba-237	231	5	a. hoffmann	PERSON
faba-237	231	6	2022	CARDINAL
faba-237	233	1	international journal of bank	ORG
faba-237	233	2	886	CARDINAL
faba-237	233	3	917	CARDINAL
faba-237	233	4	2022	CARDINAL
faba-237	234	1	malawi	GPE
faba-237	235	1	phd thesis	PERSON
faba-237	236	1	university of sheffield	ORG
faba-237	237	1	r. l. 2016	PERSON
faba-237	239	1	boston	GPE
faba-237	240	1	sebasti´an	ORG
faba-237	240	2	m. g. de b.	PERSON
faba-237	240	3	a. antonovica	PERSON
faba-237	240	4	j. r. s. guede	PERSON
faba-237	241	1	2023	CARDINAL
faba-237	242	1	spanish	NORP
faba-237	243	1	utaut2	ORG
faba-237	245	1	https://doi.org/10.1016/j.techfore.2022.122235 evans	PERSON
faba-237	245	2	2018	DATE
faba-237	246	1	africa	LOC
faba-237	247	1	20(6	DATE
faba-237	247	2	568-581	CARDINAL
faba-237	248	1	e., h. natarajan	ORG
faba-237	248	2	m. saal	PERSON
faba-237	248	3	2023	CARDINAL
faba-237	249	1	fintech	ORG
faba-237	250	1	the world bank	ORG
faba-237	251	1	finmark trust	ORG
faba-237	252	1	2020	DATE
faba-237	253	1	malawi financial inclusion	ORG
faba-237	255	1	6th	ORDINAL
faba-237	256	1	hassan	GPE
faba-237	256	2	s., a. islam	PERSON
faba-237	256	3	f. a. sobhani	PERSON
faba-237	256	4	h. nasir	PERSON
faba-237	256	5	i. mahmud	PERSON
faba-237	257	1	2022	CARDINAL
faba-237	259	1	13(7	CARDINAL
faba-237	259	2	andrew m. lipunga	PERSON
faba-237	259	3	7	CARDINAL
faba-237	259	4	1	CARDINAL
faba-237	259	5	2025	CARDINAL
faba-237	261	1	hasyim	ORG
faba-237	261	2	f. 2022	PERSON
faba-237	262	1	utaut2	ORG
faba-237	263	1	islamic economics	ORG
faba-237	263	2	1(2	DATE
faba-237	263	3	114–134	CARDINAL
faba-237	263	4	l.	PERSON
faba-237	263	5	k. safari	PERSON
faba-237	263	6	j. voshaar	PERSON
faba-237	264	1	2025	CARDINAL
faba-237	265	1	africa	LOC
faba-237	266	1	73(part	CARDINAL
faba-237	267	1	johnson	PERSON
faba-237	267	2	r. whittington	PERSON
faba-237	267	3	k. scholes	PERSON
faba-237	267	4	d. angwin	GPE
faba-237	268	1	2017	CARDINAL
faba-237	270	1	london	GPE
faba-237	270	2	pearson	PERSON
faba-237	271	1	kim	PERSON
faba-237	271	2	j.	PERSON
faba-237	271	3	j. park	PERSON
faba-237	271	4	j. yeon	PERSON
faba-237	272	1	2016	DATE
faba-237	274	1	1(2	DATE
faba-237	274	2	1058-1061	CARDINAL
faba-237	275	1	kurniasari	PERSON
faba-237	275	2	f.	PERSON
faba-237	275	3	s. y. jimmy	PERSON
faba-237	276	1	2023	CARDINAL
faba-237	278	1	4(2	CARDINAL
faba-237	278	2	092–103	CARDINAL
faba-237	279	1	https://doi.org/10.47153/jbmr42.6032023 makongoro	ORG
faba-237	279	2	2014	DATE
faba-237	280	1	tanzania	GPE
faba-237	282	1	university of tanzania	ORG
faba-237	283	1	mansournia	GPE
faba-237	283	2	m. a.	PERSON
faba-237	283	3	m. nazemipour	PERSON
faba-237	283	4	a. i. naimi	PERSON
faba-237	283	5	g. s. collins	PERSON
faba-237	283	6	m. j. campbell	PERSON
faba-237	284	1	2021	CARDINAL
faba-237	286	1	50(1	CARDINAL
faba-237	286	2	346–351	CARDINAL
faba-237	287	1	d.	NORP
faba-237	287	2	d. french	NORP
faba-237	287	3	b. quinn	PERSON
faba-237	287	4	a. l. sobiech	PERSON
faba-237	287	5	j. o. s. wilson	PERSON
faba-237	288	1	2020	DATE
faba-237	290	1	71(december 2019	DATE
faba-237	291	1	https://doi.org/10.1016/j.irfa.2020.101520 williams	PERSON
faba-237	291	2	d. m. 2015	PERSON
faba-237	293	1	28(3	DATE
faba-237	293	2	443–488	CARDINAL
faba-237	294	1	malawi union of savings	ORG
faba-237	295	1	2023	CARDINAL
faba-237	296	1	quarterly	DATE
faba-237	296	2	30th	ORDINAL
faba-237	296	3	2023	DATE
faba-237	297	1	malawi sacco	PERSON
faba-237	298	1	najib	PERSON
faba-237	298	2	m.	PERSON
faba-237	298	3	w. j. ermawati	PERSON
faba-237	298	4	f. fahma	PERSON
faba-237	298	5	e. endri	PERSON
faba-237	298	6	d. suhartanto	GPE
faba-237	298	7	2021	CARDINAL
faba-237	299	1	fintech	ORG
faba-237	302	1	https://doi.org/10.3390/joitmc7010088 nanduri	GPE
faba-237	302	2	s. 2021	ORG
faba-237	303	1	fintech	ORG
faba-237	304	1	turkish	NORP
faba-237	304	2	12(6	CARDINAL
faba-237	305	1	j. 2010	PERSON
faba-237	306	1	spss	ORG
faba-237	307	1	london	GPE
faba-237	307	2	mcgrawhill.	ORG
faba-237	308	1	papagiannidis	GPE
faba-237	308	2	s. 2022	PERSON
faba-237	311	1	6th	ORDINAL
faba-237	311	2	i., a. muna	PERSON
faba-237	311	3	a. m. musyaffi	PERSON
faba-237	311	4	n. f. siregar	PERSON
faba-237	312	1	2019	DATE
faba-237	315	1	shrestha	GPE
faba-237	315	2	2020	DATE
faba-237	317	1	american journal of applied mathematics	ORG
faba-237	317	2	8(2	DATE
faba-237	317	3	39–42	CARDINAL
faba-237	318	1	https://doi.org/10.12691/ajams-8-2-1 taber	PERSON
faba-237	318	2	k. s. 2018	PERSON
faba-237	320	1	48(6	CARDINAL
faba-237	320	2	1273–1296	DATE
faba-237	320	3	a.	PERSON
faba-237	320	4	m. el-masri	PERSON
faba-237	320	5	m. ali	PERSON
faba-237	320	6	a. serrano	PERSON
faba-237	321	1	2016	DATE
faba-237	322	1	lebanon	GPE
faba-237	323	1	830–849	CARDINAL
faba-237	324	1	c.	PERSON
faba-237	324	2	w. c. keng-soon	PERSON
faba-237	324	3	c. pui-yee	PERSON
faba-237	324	4	j. t. hong-leong	PERSON
faba-237	325	1	2019	DATE
faba-237	326	1	malaysia	GPE
faba-237	327	1	south east asia journal	LOC
faba-237	327	2	contemporary business, economics	ORG
faba-237	327	3	73–92	CARDINAL
faba-237	328	1	united nations development programme	ORG
faba-237	328	2	malawi	GPE
faba-237	329	1	2023	CARDINAL
faba-237	330	1	malawi	GPE
faba-237	332	1	6th	ORDINAL
faba-237	332	2	m. g. morris	PERSON
faba-237	332	3	g. b. davis	PERSON
faba-237	332	4	f. d. davis	PERSON
faba-237	333	1	2003	DATE
faba-237	335	1	quarterly	DATE
faba-237	336	1	quarterly	DATE
faba-237	336	2	425–478	DATE
faba-237	337	1	j. y. l. thong	PERSON
faba-237	337	2	x. xu	PERSON
faba-237	337	3	2012	DATE
faba-237	339	1	quarterly	DATE
faba-237	339	2	36(1	CARDINAL
faba-237	339	3	157	CARDINAL
faba-237	339	4	178	CARDINAL
faba-237	340	1	2021	CARDINAL
faba-237	342	1	malawi	GPE
faba-237	344	1	6th	ORDINAL
faba-237	344	2	andrew m. lipunga	PERSON
faba-237	344	3	7	CARDINAL
faba-237	344	4	1	CARDINAL
faba-237	344	5	10	CARDINAL
faba-237	345	1	2020	DATE
faba-237	348	1	6th	ORDINAL
faba-237	348	2	a. o. salaudeen	PERSON
faba-237	348	3	a. h. a. othman	PERSON
faba-237	348	4	r. rosman	PERSON
faba-237	349	1	2023	CARDINAL
faba-237	350	1	malaysian	NORP
faba-237	351	1	international journal of social economics	ORG
faba-237	351	2	50(9	CARDINAL
faba-237	351	3	1302-1322	DATE
faba-237	352	1	andrew m. lipunga	PERSON
faba-237	352	2	7	CARDINAL
faba-237	352	3	1	CARDINAL
faba-237	352	4	11	CARDINAL
faba-237	352	5	2021	CARDINAL
faba-237	352	6	i. mpamba □ ii	PERSON
faba-237	353	1	digital loan application	ORG
faba-237	353	2	………………………………………… vi	PRODUCT
faba-237	354	1	1	CARDINAL
faba-237	355	1	hassan et al	PERSON
faba-237	355	2	2022	CARDINAL
faba-237	355	3	i.	PERSON
faba-237	355	4	□ ii	PERSON
faba-237	356	1	□ iii	PERSON
faba-237	356	2	2	CARDINAL
faba-237	357	1	fintech	ORG
faba-237	357	2	hassan et al	PERSON
faba-237	357	3	2022	CARDINAL
faba-237	358	1	i.	PERSON
faba-237	358	2	□ ii	PERSON
faba-237	358	3	□ iii	PERSON
faba-237	358	4	3	CARDINAL
faba-237	358	5	hassan et al	PERSON
faba-237	358	6	2022	CARDINAL
faba-237	359	1	i.	PERSON
faba-237	359	2	□ ii	PERSON
faba-237	359	3	□ iii	PERSON
faba-237	359	4	4	CARDINAL
faba-237	360	1	oliveira et al	PERSON
faba-237	360	2	2014	DATE
faba-237	360	3	i.	PERSON
faba-237	360	4	□ ii	PERSON
faba-237	360	5	□ iii	PERSON
faba-237	360	6	andrew m. lipunga	PERSON
faba-237	360	7	7	CARDINAL
faba-237	360	8	1	CARDINAL
faba-237	360	9	2025 12	DATE
faba-237	360	10	5	CARDINAL
faba-237	361	1	hassan et al	PERSON
faba-237	361	2	2022	CARDINAL
faba-237	362	1	i.	PERSON
faba-237	362	2	□ ii	PERSON
faba-237	362	3	□ iii	PERSON
faba-237	362	4	6	CARDINAL
faba-237	363	1	hassan et al	PERSON
faba-237	363	2	2022	CARDINAL
faba-237	364	1	i.	PERSON
faba-237	364	2	□ ii	PERSON
faba-237	364	3	□ iii	PERSON
faba-237	364	4	7	CARDINAL
faba-237	365	1	hassan et al	PERSON
faba-237	365	2	2022	CARDINAL
faba-237	366	1	i.	PERSON
faba-237	366	2	□ ii	PERSON
faba-237	366	3	□ iii	PERSON
faba-237	366	4	8	CARDINAL
faba-237	367	1	oliveira et al	PERSON
faba-237	367	2	2014	DATE
faba-237	368	1	i.	PERSON
faba-237	368	2	□ ii	PERSON
faba-237	368	3	□ iii	PERSON
faba-237	368	4	9	CARDINAL
faba-237	369	1	oliveira et al	PERSON
faba-237	369	2	2014	DATE
faba-237	370	1	i.	PERSON
faba-237	370	2	□ ii	PERSON
faba-237	370	3	□ iii	PERSON
faba-237	370	4	andrew m. lipunga	PERSON
faba-237	370	5	7	CARDINAL
faba-237	370	6	1	CARDINAL
faba-237	370	7	10	CARDINAL
faba-237	371	1	hu et al	PERSON
faba-237	371	2	2019	DATE
faba-237	371	3	i.	PERSON
faba-237	372	1	□ ii	PERSON
faba-237	372	2	□ iii	PERSON
faba-237	372	3	11	CARDINAL
faba-237	373	1	fintech	ORG
faba-237	373	2	hu et al.	PERSON
faba-237	373	3	2019	DATE
faba-237	374	1	i.	PERSON
faba-237	374	2	□ ii	PERSON
faba-237	374	3	□ iii	PERSON
faba-237	374	4	12	CARDINAL
faba-237	375	1	fintech	ORG
faba-237	375	2	hu et al	PERSON
faba-237	375	3	2019	DATE
faba-237	375	4	i.	PERSON
faba-237	375	5	□ ii	PERSON
faba-237	375	6	□ iii	PERSON
faba-237	376	1	13	CARDINAL
faba-237	376	2	fintech	ORG
faba-237	377	1	i.	PERSON
faba-237	377	2	□ ii	PERSON
faba-237	377	3	□ iii	PERSON
faba-237	377	4	14	CARDINAL
faba-237	378	1	fintech	ORG
faba-237	378	2	oliveira et al	PERSON
faba-237	378	3	2014	DATE
faba-237	378	4	i.	PERSON
faba-237	378	5	□ ii	PERSON
faba-237	378	6	□ iii	PERSON
faba-237	378	7	andrew m. lipunga	PERSON
faba-237	378	8	7	CARDINAL
faba-237	378	9	1	CARDINAL
faba-237	378	10	2025	CARDINAL
faba-237	378	11	14 15	DATE
faba-237	379	1	oliveira et al	PERSON
faba-237	379	2	2014	DATE
faba-237	379	3	i.	PERSON
faba-237	379	4	□ ii	PERSON
faba-237	379	5	□ iii	PERSON
faba-237	379	6	16	CARDINAL
faba-237	380	1	money(yan et al	PERSON
faba-237	380	2	2021	CARDINAL
faba-237	380	3	i.	PERSON
faba-237	380	4	□ ii	PERSON
faba-237	380	5	□ iii	PERSON
faba-237	380	6	17	CARDINAL
faba-237	381	1	hu et al.	PERSON
faba-237	381	2	2019	DATE
faba-237	382	1	i.	PERSON
faba-237	382	2	□ ii	PERSON
faba-237	382	3	□ iii	PERSON
faba-237	382	4	18	CARDINAL
faba-237	382	5	fintech	ORG
faba-237	382	6	malawi	GPE
faba-237	382	7	hu et al	PERSON
faba-237	382	8	2019	DATE
faba-237	382	9	i.	PERSON
faba-237	382	10	□ ii	PERSON
faba-237	382	11	□ iii	PERSON
faba-237	382	12	andrew m. lipunga	PERSON
faba-237	382	13	7	CARDINAL
faba-237	382	14	1	CARDINAL
faba-237	382	15	2025	CARDINAL
faba-237	382	16	15 19	DATE
faba-237	382	17	hassan et al	PERSON
faba-237	382	18	2022	CARDINAL
faba-237	382	19	i.	PERSON
faba-237	382	20	□ ii	PERSON
faba-237	382	21	□ iii	PERSON
faba-237	382	22	20	CARDINAL
faba-237	382	23	fintech	ORG
faba-237	382	24	hassan et al	PERSON
faba-237	382	25	2022	CARDINAL
faba-237	382	26	i.	PERSON
faba-237	382	27	□ ii	PERSON
faba-237	382	28	□ iii	PERSON
faba-237	382	29	21	CARDINAL
faba-237	383	1	2012	DATE
faba-237	384	1	i.	PERSON
faba-237	384	2	□ ii	PERSON
faba-237	384	3	□ iii	PERSON
faba-237	384	4	22	CARDINAL
faba-237	385	1	oliveira et al	PERSON
faba-237	385	2	2014	DATE
faba-237	385	3	i.	PERSON
faba-237	385	4	□ ii	PERSON
faba-237	385	5	□ iii	PERSON