id	sid	tid	token	lemma	pos
faba-184	1	1	86	86	NUM
faba-184	1	2	finance	finance	NOUN
faba-184	1	3	,	,	PUNCT
faba-184	1	4	accounting	accounting	NOUN
faba-184	1	5	and	and	CCONJ
faba-184	1	6	business	business	NOUN
faba-184	1	7	analysis	analysis	NOUN
faba-184	1	8	volume	volume	NOUN
faba-184	1	9	6	6	NUM
faba-184	1	10	issue	issue	NOUN
faba-184	1	11	1	1	NUM
faba-184	1	12	,	,	PUNCT
faba-184	1	13	2024	2024	NUM
faba-184	1	14	http://faba.bg/	http://faba.bg/	NOUN
faba-184	1	15	issn	issn	VERB
faba-184	1	16	2603	2603	NUM
faba-184	1	17	-	-	SYM
faba-184	1	18	5324	5324	NUM
faba-184	1	19	the	the	DET
faba-184	1	20	asymmetric	asymmetric	ADJ
faba-184	1	21	effect	effect	NOUN
faba-184	1	22	of	of	ADP
faba-184	1	23	stokvel	stokvel	NOUN
faba-184	1	24	on	on	ADP
faba-184	1	25	banking	banking	NOUN
faba-184	1	26	sector	sector	NOUN
faba-184	1	27	liquidity	liquidity	NOUN
faba-184	1	28	:	:	PUNCT
faba-184	1	29	evidence	evidence	NOUN
faba-184	1	30	from	from	ADP
faba-184	1	31	a	a	DET
faba-184	1	32	nonlinear	nonlinear	ADJ
faba-184	1	33	ardl	ardl	NOUN
faba-184	1	34	approaches	approach	NOUN
faba-184	1	35	lindiwe	lindiwe	PROPN
faba-184	1	36	ngcobo1	ngcobo1	PROPN
faba-184	1	37	*	*	PROPN
faba-184	1	38	,	,	PUNCT
faba-184	1	39	joseph	joseph	PROPN
faba-184	1	40	chisasa2	chisasa2	PROPN
faba-184	1	41	,	,	PUNCT
faba-184	1	42	mantepu	mantepu	NOUN
faba-184	1	43	tshepo	tshepo	PROPN
faba-184	1	44	masetshaba3	masetshaba3	PROPN
faba-184	1	45	department	department	PROPN
faba-184	1	46	of	of	ADP
faba-184	1	47	finance	finance	NOUN
faba-184	1	48	,	,	PUNCT
faba-184	1	49	risk	risk	NOUN
faba-184	1	50	management	management	NOUN
faba-184	1	51	and	and	CCONJ
faba-184	1	52	banking	banking	NOUN
faba-184	1	53	,	,	PUNCT
faba-184	1	54	university	university	NOUN
faba-184	1	55	of	of	ADP
faba-184	1	56	south	south	PROPN
faba-184	1	57	africa	africa	PROPN
faba-184	1	58	,	,	PUNCT
faba-184	1	59	pretoria	pretoria	PROPN
faba-184	1	60	,	,	PUNCT
faba-184	1	61	south	south	PROPN
faba-184	1	62	africa1	africa1	PROPN
faba-184	2	1	university	university	PROPN
faba-184	2	2	of	of	ADP
faba-184	2	3	south	south	PROPN
faba-184	2	4	africa	africa	PROPN
faba-184	2	5	,	,	PUNCT
faba-184	2	6	college	college	NOUN
faba-184	2	7	of	of	ADP
faba-184	2	8	economic	economic	ADJ
faba-184	2	9	and	and	CCONJ
faba-184	2	10	management	management	NOUN
faba-184	2	11	science	science	NOUN
faba-184	2	12	,	,	PUNCT
faba-184	2	13	pretoria	pretoria	NOUN
faba-184	2	14	,	,	PUNCT
faba-184	2	15	south	south	ADJ
faba-184	2	16	africa2	africa2	PROPN
faba-184	2	17	university	university	PROPN
faba-184	2	18	of	of	ADP
faba-184	2	19	south	south	PROPN
faba-184	2	20	africa	africa	PROPN
faba-184	2	21	,	,	PUNCT
faba-184	2	22	college	college	NOUN
faba-184	2	23	of	of	ADP
faba-184	2	24	economic	economic	ADJ
faba-184	2	25	and	and	CCONJ
faba-184	2	26	management	management	NOUN
faba-184	2	27	science	science	NOUN
faba-184	2	28	,	,	PUNCT
faba-184	2	29	pretoria	pretoria	NOUN
faba-184	2	30	,	,	PUNCT
faba-184	2	31	south	south	PROPN
faba-184	2	32	africa3	africa3	PROPN
faba-184	3	1	*	*	PUNCT
faba-184	3	2	corresponding	correspond	VERB
faba-184	3	3	author	author	NOUN
faba-184	3	4	info	info	NOUN
faba-184	3	5	articles	article	NOUN
faba-184	3	6	abstract	abstract	ADJ
faba-184	3	7	history	history	NOUN
faba-184	3	8	article	article	NOUN
faba-184	3	9	:	:	PUNCT
faba-184	3	10	submitted	submit	VERB
faba-184	3	11	19	19	NUM
faba-184	3	12	february	february	NOUN
faba-184	3	13	2024	2024	NUM
faba-184	3	14	revised	revise	VERB
faba-184	3	15	18	18	NUM
faba-184	3	16	may	may	PROPN
faba-184	3	17	2024	2024	NUM
faba-184	3	18	accepted	accept	VERB
faba-184	3	19	19	19	NUM
faba-184	3	20	мау	мау	NOUN
faba-184	3	21	2024	2024	NUM
faba-184	3	22	the	the	DET
faba-184	3	23	objective	objective	NOUN
faba-184	3	24	of	of	ADP
faba-184	3	25	this	this	DET
faba-184	3	26	study	study	NOUN
faba-184	3	27	was	be	AUX
faba-184	3	28	to	to	PART
faba-184	3	29	empirically	empirically	ADV
faba-184	3	30	investigate	investigate	VERB
faba-184	3	31	the	the	DET
faba-184	3	32	possible	possible	ADJ
faba-184	3	33	nonlinear	nonlinear	ADJ
faba-184	3	34	relationship	relationship	NOUN
faba-184	3	35	between	between	ADP
faba-184	3	36	stokvel	stokvel	NOUN
faba-184	3	37	saving	saving	NOUN
faba-184	3	38	and	and	CCONJ
faba-184	3	39	banking	banking	NOUN
faba-184	3	40	sector	sector	NOUN
faba-184	3	41	liquidity	liquidity	NOUN
faba-184	3	42	,	,	PUNCT
faba-184	3	43	that	that	PRON
faba-184	3	44	is	be	AUX
faba-184	3	45	to	to	PART
faba-184	3	46	determine	determine	VERB
faba-184	3	47	whether	whether	SCONJ
faba-184	3	48	there	there	PRON
faba-184	3	49	exists	exist	VERB
faba-184	3	50	a	a	DET
faba-184	3	51	turning	turning	NOUN
faba-184	3	52	point	point	NOUN
faba-184	3	53	or	or	CCONJ
faba-184	3	54	a	a	DET
faba-184	3	55	threshold	threshold	NOUN
faba-184	3	56	level	level	NOUN
faba-184	3	57	above	above	ADP
faba-184	3	58	which	which	PRON
faba-184	3	59	the	the	DET
faba-184	3	60	effect	effect	NOUN
faba-184	3	61	of	of	ADP
faba-184	3	62	stokvel	stokvel	NOUN
faba-184	3	63	saving	save	VERB
faba-184	3	64	on	on	ADP
faba-184	3	65	banking	banking	NOUN
faba-184	3	66	sector	sector	NOUN
faba-184	3	67	liquidity	liquidity	NOUN
faba-184	3	68	switches	switch	NOUN
faba-184	3	69	from	from	ADP
faba-184	3	70	positive	positive	ADJ
faba-184	3	71	to	to	PART
faba-184	3	72	negative	negative	ADJ
faba-184	3	73	in	in	ADP
faba-184	3	74	south	south	PROPN
faba-184	3	75	africa	africa	PROPN
faba-184	3	76	;	;	PUNCT
faba-184	3	77	to	to	PART
faba-184	3	78	assess	assess	VERB
faba-184	3	79	the	the	DET
faba-184	3	80	long	long	ADV
faba-184	3	81	-	-	PUNCT
faba-184	3	82	run	run	NOUN
faba-184	3	83	as	as	ADV
faba-184	3	84	well	well	ADV
faba-184	3	85	as	as	ADP
faba-184	3	86	the	the	DET
faba-184	3	87	short	short	ADJ
faba-184	3	88	-	-	PUNCT
faba-184	3	89	run	run	NOUN
faba-184	3	90	relationship	relationship	NOUN
faba-184	3	91	between	between	ADP
faba-184	3	92	the	the	DET
faba-184	3	93	two	two	NUM
faba-184	3	94	variables	variable	NOUN
faba-184	3	95	,	,	PUNCT
faba-184	3	96	controlling	control	VERB
faba-184	3	97	for	for	ADP
faba-184	3	98	other	other	ADJ
faba-184	3	99	stokvel	stokvel	NOUN
faba-184	3	100	saving	saving	NOUN
faba-184	3	101	determinants	determinant	NOUN
faba-184	3	102	.	.	PUNCT
faba-184	4	1	the	the	DET
faba-184	4	2	estimation	estimation	NOUN
faba-184	4	3	of	of	ADP
faba-184	4	4	this	this	DET
faba-184	4	5	relationship	relationship	NOUN
faba-184	4	6	has	have	AUX
faba-184	4	7	been	be	AUX
faba-184	4	8	carried	carry	VERB
faba-184	4	9	out	out	ADP
faba-184	4	10	using	use	VERB
faba-184	4	11	a	a	DET
faba-184	4	12	novel	novel	ADJ
faba-184	4	13	methodology	methodology	NOUN
faba-184	4	14	combining	combine	VERB
faba-184	4	15	the	the	DET
faba-184	4	16	autoregressive	autoregressive	ADJ
faba-184	4	17	distributed	distribute	VERB
faba-184	4	18	lag	lag	NOUN
faba-184	4	19	(	(	PUNCT
faba-184	4	20	ardl	ardl	NOUN
faba-184	4	21	)	)	PUNCT
faba-184	4	22	bounds	bound	VERB
faba-184	4	23	testing	test	VERB
faba-184	4	24	approach	approach	NOUN
faba-184	4	25	to	to	ADP
faba-184	4	26	cointegration	cointegration	NOUN
faba-184	4	27	developed	develop	VERB
faba-184	4	28	by	by	ADP
faba-184	4	29	pesaran	pesaran	VERB
faba-184	4	30	,	,	PUNCT
faba-184	4	31	shin	shin	PROPN
faba-184	4	32	and	and	CCONJ
faba-184	4	33	smith	smith	PROPN
faba-184	4	34	(	(	PUNCT
faba-184	4	35	2001	2001	NUM
faba-184	4	36	)	)	PUNCT
faba-184	4	37	and	and	CCONJ
faba-184	4	38	nonlinear	nonlinear	ADJ
faba-184	4	39	autoregressive	autoregressive	ADJ
faba-184	4	40	distributed	distribute	VERB
faba-184	4	41	lag	lag	NOUN
faba-184	4	42	(	(	PUNCT
faba-184	4	43	nardl	nardl	NOUN
faba-184	4	44	)	)	PUNCT
faba-184	4	45	applied	apply	VERB
faba-184	4	46	to	to	ADP
faba-184	4	47	quarterly	quarterly	ADJ
faba-184	4	48	time	time	NOUN
faba-184	4	49	series	series	PROPN
faba-184	4	50	secondary	secondary	ADJ
faba-184	4	51	data	datum	NOUN
faba-184	4	52	for	for	ADP
faba-184	4	53	the	the	DET
faba-184	4	54	period	period	NOUN
faba-184	4	55	from	from	ADP
faba-184	4	56	2009q4	2009q4	PROPN
faba-184	4	57	-	-	NOUN
faba-184	4	58	2020q2	2020q2	NOUN
faba-184	4	59	.	.	PUNCT
faba-184	5	1	the	the	DET
faba-184	5	2	study	study	NOUN
faba-184	5	3	results	result	NOUN
faba-184	5	4	found	find	VERB
faba-184	5	5	that	that	SCONJ
faba-184	5	6	all	all	DET
faba-184	5	7	the	the	DET
faba-184	5	8	explanatory	explanatory	ADJ
faba-184	5	9	variables	variable	NOUN
faba-184	5	10	were	be	AUX
faba-184	5	11	statistically	statistically	ADV
faba-184	5	12	insignificant	insignificant	ADJ
faba-184	5	13	in	in	ADP
faba-184	5	14	explaining	explain	VERB
faba-184	5	15	banking	banking	NOUN
faba-184	5	16	sector	sector	NOUN
faba-184	5	17	development	development	NOUN
faba-184	5	18	implying	imply	VERB
faba-184	5	19	that	that	SCONJ
faba-184	5	20	the	the	DET
faba-184	5	21	nardl	nardl	NOUN
faba-184	5	22	is	be	AUX
faba-184	5	23	not	not	PART
faba-184	5	24	an	an	DET
faba-184	5	25	appropriate	appropriate	ADJ
faba-184	5	26	model	model	NOUN
faba-184	5	27	for	for	ADP
faba-184	5	28	predicting	predict	VERB
faba-184	5	29	banking	banking	NOUN
faba-184	5	30	sector	sector	NOUN
faba-184	5	31	development	development	NOUN
faba-184	5	32	proxied	proxie	VERB
faba-184	5	33	by	by	ADP
faba-184	5	34	banking	banking	NOUN
faba-184	5	35	sector	sector	NOUN
faba-184	5	36	liquidity	liquidity	NOUN
faba-184	5	37	.	.	PUNCT
faba-184	6	1	similar	similar	ADJ
faba-184	6	2	results	result	NOUN
faba-184	6	3	obtained	obtain	VERB
faba-184	6	4	when	when	SCONJ
faba-184	6	5	using	use	VERB
faba-184	6	6	stokvel	stokvel	ADJ
faba-184	6	7	savings	saving	NOUN
faba-184	6	8	and	and	CCONJ
faba-184	6	9	money	money	NOUN
faba-184	6	10	supply	supply	NOUN
faba-184	6	11	as	as	ADP
faba-184	6	12	the	the	DET
faba-184	6	13	dependent	dependent	ADJ
faba-184	6	14	variables	variable	NOUN
faba-184	6	15	suggesting	suggest	VERB
faba-184	6	16	an	an	DET
faba-184	6	17	insignificant	insignificant	ADJ
faba-184	6	18	influence	influence	NOUN
faba-184	6	19	of	of	ADP
faba-184	6	20	baking	bake	VERB
faba-184	6	21	sector	sector	NOUN
faba-184	6	22	liquidity	liquidity	NOUN
faba-184	6	23	on	on	ADP
faba-184	6	24	stokvel	stokvel	ADJ
faba-184	6	25	savings	saving	NOUN
faba-184	6	26	and	and	CCONJ
faba-184	6	27	money	money	NOUN
faba-184	6	28	supply	supply	NOUN
faba-184	6	29	.	.	PUNCT
faba-184	7	1	with	with	ADP
faba-184	7	2	gross	gross	ADJ
faba-184	7	3	domestic	domestic	ADJ
faba-184	7	4	product	product	NOUN
faba-184	7	5	growth	growth	NOUN
faba-184	7	6	(	(	PUNCT
faba-184	7	7	gdpg	gdpg	PROPN
faba-184	7	8	)	)	PUNCT
faba-184	7	9	as	as	ADP
faba-184	7	10	the	the	DET
faba-184	7	11	dependent	dependent	ADJ
faba-184	7	12	variable	variable	NOUN
faba-184	7	13	,	,	PUNCT
faba-184	7	14	only	only	ADV
faba-184	7	15	a	a	DET
faba-184	7	16	negative	negative	ADJ
faba-184	7	17	shock	shock	NOUN
faba-184	7	18	on	on	ADP
faba-184	7	19	money	money	NOUN
faba-184	7	20	supply	supply	NOUN
faba-184	7	21	(	(	PUNCT
faba-184	7	22	m3	m3	PROPN
faba-184	7	23	)	)	PUNCT
faba-184	7	24	resulted	result	VERB
faba-184	7	25	in	in	ADP
faba-184	7	26	a	a	DET
faba-184	7	27	significant	significant	ADJ
faba-184	7	28	increase	increase	NOUN
faba-184	7	29	in	in	ADP
faba-184	7	30	gdpg	gdpg	NOUN
faba-184	7	31	at	at	ADP
faba-184	7	32	5	5	NUM
faba-184	7	33	%	%	NOUN
faba-184	7	34	.	.	PUNCT
faba-184	8	1	stokvsav	stokvsav	PROPN
faba-184	8	2	can	can	AUX
faba-184	8	3	provide	provide	VERB
faba-184	8	4	the	the	DET
faba-184	8	5	opportunity	opportunity	NOUN
faba-184	8	6	for	for	SCONJ
faba-184	8	7	the	the	DET
faba-184	8	8	south	south	ADJ
faba-184	8	9	african	african	ADJ
faba-184	8	10	government	government	NOUN
faba-184	8	11	and	and	CCONJ
faba-184	8	12	formal	formal	ADJ
faba-184	8	13	financial	financial	ADJ
faba-184	8	14	/	/	SYM
faba-184	8	15	banking	banking	NOUN
faba-184	8	16	sector	sector	NOUN
faba-184	8	17	to	to	PART
faba-184	8	18	develop	develop	VERB
faba-184	8	19	mutually	mutually	ADV
faba-184	8	20	beneficial	beneficial	ADJ
faba-184	8	21	relationships	relationship	NOUN
faba-184	8	22	or	or	CCONJ
faba-184	8	23	linkages	linkage	NOUN
faba-184	8	24	to	to	PART
faba-184	8	25	make	make	VERB
faba-184	8	26	such	such	ADJ
faba-184	8	27	stokvsav	stokvsav	NOUN
faba-184	8	28	more	more	ADV
faba-184	8	29	effective	effective	ADJ
faba-184	8	30	and	and	CCONJ
faba-184	8	31	efficient	efficient	ADJ
faba-184	8	32	in	in	ADP
faba-184	8	33	mobilising	mobilise	VERB
faba-184	8	34	savings	saving	NOUN
faba-184	8	35	and	and	CCONJ
faba-184	8	36	advancing	advance	VERB
faba-184	8	37	credit	credit	NOUN
faba-184	8	38	to	to	ADP
faba-184	8	39	the	the	DET
faba-184	8	40	lowand	lowand	ADJ
faba-184	8	41	middle	middle	ADJ
faba-184	8	42	-	-	PUNCT
faba-184	8	43	income	income	NOUN
faba-184	8	44	households	household	NOUN
faba-184	8	45	.	.	PUNCT
faba-184	9	1	keywords	keyword	NOUN
faba-184	9	2	:	:	PUNCT
faba-184	9	3	stokvel	stokvel	ADJ
faba-184	9	4	savings	saving	NOUN
faba-184	9	5	,	,	PUNCT
faba-184	9	6	banking	banking	NOUN
faba-184	9	7	sector	sector	NOUN
faba-184	9	8	liquidity	liquidity	NOUN
faba-184	9	9	,	,	PUNCT
faba-184	9	10	ardl	ardl	NOUN
faba-184	9	11	,	,	PUNCT
faba-184	9	12	asymmetric	asymmetric	ADJ
faba-184	9	13	effect	effect	NOUN
faba-184	9	14	,	,	PUNCT
faba-184	9	15	south	south	PROPN
faba-184	9	16	africa	africa	PROPN
faba-184	9	17	.	.	PUNCT
faba-184	10	1	jel	jel	PROPN
faba-184	10	2	:	:	PUNCT
faba-184	11	1	c01	c01	PROPN
faba-184	11	2	,	,	PUNCT
faba-184	11	3	d14	d14	PROPN
faba-184	11	4	,	,	PUNCT
faba-184	11	5	g23	g23	NOUN
faba-184	11	6	address	address	NOUN
faba-184	11	7	correspondence	correspondence	NOUN
faba-184	11	8	:	:	PUNCT
faba-184	11	9	email	email	NOUN
faba-184	11	10	:	:	PUNCT
faba-184	11	11	lngcobo@unisa.ac.za1	lngcobo@unisa.ac.za1	PROPN
faba-184	11	12	chisaj@unisa.ac.za2	chisaj@unisa.ac.za2	PROPN
faba-184	11	13	emasetmt@unisa.ac.za3	emasetmt@unisa.ac.za3	X
faba-184	11	14	https://orcid.org/0000-0002-3232-5956	https://orcid.org/0000-0002-3232-5956	PROPN
faba-184	11	15	https://orcid.org/0000-0002-8923-1424	https://orcid.org/0000-0002-8923-1424	PROPN
faba-184	11	16	https://orcid.org/0000-0001-7683-2661	https://orcid.org/0000-0001-7683-2661	PROPN
faba-184	11	17	l.	l.	PROPN
faba-184	11	18	ngcobo	ngcobo	PROPN
faba-184	11	19	,	,	PUNCT
faba-184	11	20	j.	j.	PROPN
faba-184	11	21	chisasa	chisasa	PROPN
faba-184	11	22	,	,	PUNCT
faba-184	11	23	m.	m.	NOUN
faba-184	11	24	t.	t.	PROPN
faba-184	11	25	masetshaba	masetshaba	PROPN
faba-184	11	26	/	/	SYM
faba-184	11	27	finance	finance	NOUN
faba-184	11	28	,	,	PUNCT
faba-184	11	29	accounting	accounting	NOUN
faba-184	11	30	and	and	CCONJ
faba-184	11	31	business	business	NOUN
faba-184	11	32	analysis	analysis	NOUN
faba-184	11	33	,	,	PUNCT
faba-184	11	34	volume	volume	NOUN
faba-184	11	35	6	6	NUM
faba-184	11	36	,	,	PUNCT
faba-184	11	37	issue	issue	NOUN
faba-184	11	38	1	1	NUM
faba-184	11	39	,	,	PUNCT
faba-184	11	40	2024	2024	NUM
faba-184	11	41	87	87	NUM
faba-184	11	42	introduction	introduction	NOUN
faba-184	11	43	a	a	DET
faba-184	11	44	stokvel	stokvel	NOUN
faba-184	11	45	saving	save	VERB
faba-184	11	46	(	(	PUNCT
faba-184	11	47	stokvsav	stokvsav	PROPN
faba-184	11	48	)	)	PUNCT
faba-184	11	49	is	be	AUX
faba-184	11	50	a	a	DET
faba-184	11	51	south	south	ADJ
faba-184	11	52	african	african	ADJ
faba-184	11	53	term	term	NOUN
faba-184	11	54	for	for	ADP
faba-184	11	55	an	an	DET
faba-184	11	56	investment	investment	NOUN
faba-184	11	57	group	group	NOUN
faba-184	11	58	where	where	SCONJ
faba-184	11	59	members	member	NOUN
faba-184	11	60	contribute	contribute	VERB
faba-184	11	61	a	a	DET
faba-184	11	62	certain	certain	ADJ
faba-184	11	63	amount	amount	NOUN
faba-184	11	64	to	to	ADP
faba-184	11	65	a	a	DET
faba-184	11	66	central	central	ADJ
faba-184	11	67	fund	fund	NOUN
faba-184	11	68	weekly	weekly	NOUN
faba-184	11	69	,	,	PUNCT
faba-184	11	70	fortnightly	fortnightly	ADV
faba-184	11	71	or	or	CCONJ
faba-184	11	72	monthly	monthly	ADV
faba-184	11	73	;	;	PUNCT
faba-184	11	74	they	they	PRON
faba-184	11	75	typically	typically	ADV
faba-184	11	76	constitute	constitute	VERB
faba-184	11	77	themselves	themselves	PRON
faba-184	11	78	as	as	ADP
faba-184	11	79	clubs	club	NOUN
faba-184	11	80	or	or	CCONJ
faba-184	11	81	societies	society	NOUN
faba-184	11	82	and	and	CCONJ
faba-184	11	83	are	be	AUX
faba-184	11	84	also	also	ADV
faba-184	11	85	known	know	VERB
faba-184	11	86	to	to	PART
faba-184	11	87	be	be	AUX
faba-184	11	88	financially	financially	ADV
faba-184	11	89	mutual	mutual	ADJ
faba-184	11	90	(	(	PUNCT
faba-184	11	91	bozzoli	bozzoli	PROPN
faba-184	11	92	1991	1991	NUM
faba-184	11	93	;	;	PUNCT
faba-184	11	94	lukhele	lukhele	PROPN
faba-184	11	95	1990	1990	NUM
faba-184	11	96	;	;	PUNCT
faba-184	11	97	verhoef	verhoef	NOUN
faba-184	11	98	2001a	2001a	NOUN
faba-184	11	99	;	;	PUNCT
faba-184	11	100	mashigo	mashigo	VERB
faba-184	11	101	and	and	CCONJ
faba-184	11	102	schoeman	schoeman	NOUN
faba-184	11	103	2010	2010	NUM
faba-184	11	104	;	;	PUNCT
faba-184	11	105	kaseke	kaseke	PROPN
faba-184	11	106	and	and	CCONJ
faba-184	11	107	matuku	matuku	PROPN
faba-184	11	108	2014	2014	NUM
faba-184	11	109	;	;	PUNCT
faba-184	11	110	karlan	karlan	NOUN
faba-184	11	111	,	,	PUNCT
faba-184	11	112	ratan	ratan	PROPN
faba-184	11	113	and	and	CCONJ
faba-184	11	114	zinman	zinman	PROPN
faba-184	11	115	2014	2014	NUM
faba-184	11	116	;	;	PUNCT
faba-184	11	117	james	james	PROPN
faba-184	11	118	2015	2015	NUM
faba-184	11	119	)	)	PUNCT
faba-184	11	120	.	.	PUNCT
faba-184	12	1	worldwide	worldwide	ADV
faba-184	12	2	,	,	PUNCT
faba-184	12	3	stokvsav	stokvsav	PROPN
faba-184	12	4	are	be	AUX
faba-184	12	5	commonly	commonly	ADV
faba-184	12	6	known	know	VERB
faba-184	12	7	as	as	ADP
faba-184	12	8	‘	'	PUNCT
faba-184	12	9	rotating	rotate	VERB
faba-184	12	10	savings	saving	NOUN
faba-184	12	11	and	and	CCONJ
faba-184	12	12	credit	credit	NOUN
faba-184	12	13	associations	association	NOUN
faba-184	12	14	’	'	PUNCT
faba-184	12	15	(	(	PUNCT
faba-184	12	16	roscas	roscas	PROPN
faba-184	12	17	)	)	PUNCT
faba-184	12	18	(	(	PUNCT
faba-184	12	19	kaseke	kaseke	PROPN
faba-184	12	20	and	and	CCONJ
faba-184	12	21	matuku	matuku	PROPN
faba-184	12	22	2014	2014	NUM
faba-184	12	23	;	;	PUNCT
faba-184	12	24	karlan	karlan	NOUN
faba-184	12	25	,	,	PUNCT
faba-184	12	26	ratan	ratan	PROPN
faba-184	12	27	and	and	CCONJ
faba-184	12	28	zinman	zinman	PROPN
faba-184	12	29	2014	2014	NUM
faba-184	12	30	;	;	PUNCT
faba-184	12	31	mphahlele	mphahlele	PROPN
faba-184	12	32	2011	2011	NUM
faba-184	12	33	;	;	PUNCT
faba-184	12	34	yusuf	yusuf	PROPN
faba-184	12	35	,	,	PUNCT
faba-184	12	36	gafar	gafar	ADV
faba-184	12	37	,	,	PUNCT
faba-184	12	38	and	and	CCONJ
faba-184	12	39	ijaiya	ijaiya	ADP
faba-184	12	40	2009	2009	NUM
faba-184	12	41	)	)	PUNCT
faba-184	12	42	.	.	PUNCT
faba-184	13	1	stokvsav	stokvsav	PROPN
faba-184	13	2	play	play	VERB
faba-184	13	3	a	a	DET
faba-184	13	4	pivotal	pivotal	ADJ
faba-184	13	5	role	role	NOUN
faba-184	13	6	in	in	ADP
faba-184	13	7	increasing	increase	VERB
faba-184	13	8	access	access	NOUN
faba-184	13	9	to	to	ADP
faba-184	13	10	finance	finance	NOUN
faba-184	13	11	for	for	ADP
faba-184	13	12	the	the	DET
faba-184	13	13	so‐called	so‐calle	VERB
faba-184	13	14	‘	'	PUNCT
faba-184	13	15	unbanked	unbanked	ADJ
faba-184	13	16	’	'	PUNCT
faba-184	13	17	in	in	ADP
faba-184	13	18	south	south	PROPN
faba-184	13	19	africa	africa	PROPN
faba-184	13	20	(	(	PUNCT
faba-184	13	21	dupas	dupas	PROPN
faba-184	13	22	,	,	PUNCT
faba-184	13	23	karlan	karlan	PROPN
faba-184	13	24	,	,	PUNCT
faba-184	13	25	robinson	robinson	PROPN
faba-184	13	26	and	and	CCONJ
faba-184	13	27	ubfal	ubfal	VERB
faba-184	13	28	2018	2018	NUM
faba-184	13	29	)	)	PUNCT
faba-184	13	30	.	.	PUNCT
faba-184	14	1	instead	instead	ADV
faba-184	14	2	of	of	ADP
faba-184	14	3	using	use	VERB
faba-184	14	4	banks	bank	NOUN
faba-184	14	5	,	,	PUNCT
faba-184	14	6	lowand	lowand	ADJ
faba-184	14	7	middle	middle	ADJ
faba-184	14	8	-	-	PUNCT
faba-184	14	9	income	income	NOUN
faba-184	14	10	households	household	NOUN
faba-184	14	11	tend	tend	VERB
faba-184	14	12	to	to	PART
faba-184	14	13	save	save	VERB
faba-184	14	14	in	in	ADP
faba-184	14	15	more	more	ADV
faba-184	14	16	informal	informal	ADJ
faba-184	14	17	ways	way	NOUN
faba-184	14	18	,	,	PUNCT
faba-184	14	19	such	such	ADJ
faba-184	14	20	as	as	ADP
faba-184	14	21	keeping	keep	VERB
faba-184	14	22	cash	cash	NOUN
faba-184	14	23	at	at	ADP
faba-184	14	24	home	home	NOUN
faba-184	14	25	or	or	CCONJ
faba-184	14	26	buying	buy	VERB
faba-184	14	27	illiquid	illiquid	ADJ
faba-184	14	28	assets	asset	NOUN
faba-184	14	29	,	,	PUNCT
faba-184	14	30	which	which	PRON
faba-184	14	31	may	may	AUX
faba-184	14	32	be	be	AUX
faba-184	14	33	costly	costly	ADJ
faba-184	14	34	,	,	PUNCT
faba-184	14	35	risky	risky	ADJ
faba-184	14	36	or	or	CCONJ
faba-184	14	37	inconvenient	inconvenient	ADJ
faba-184	14	38	(	(	PUNCT
faba-184	14	39	dupas	dupas	NOUN
faba-184	14	40	,	,	PUNCT
faba-184	14	41	karlan	karlan	PROPN
faba-184	14	42	,	,	PUNCT
faba-184	14	43	robinson	robinson	PROPN
faba-184	14	44	and	and	CCONJ
faba-184	14	45	ubfal	ubfal	VERB
faba-184	14	46	2018	2018	NUM
faba-184	14	47	)	)	PUNCT
faba-184	14	48	.	.	PUNCT
faba-184	15	1	the	the	DET
faba-184	15	2	rate	rate	NOUN
faba-184	15	3	of	of	ADP
faba-184	15	4	access	access	NOUN
faba-184	15	5	to	to	ADP
faba-184	15	6	savings	saving	NOUN
faba-184	15	7	and	and	CCONJ
faba-184	15	8	credit	credit	NOUN
faba-184	15	9	by	by	ADP
faba-184	15	10	lowand	lowand	ADJ
faba-184	15	11	middle	middle	ADJ
faba-184	15	12	-	-	PUNCT
faba-184	15	13	income	income	NOUN
faba-184	15	14	south	south	ADJ
faba-184	15	15	african	african	ADJ
faba-184	15	16	households	household	NOUN
faba-184	15	17	in	in	ADP
faba-184	15	18	the	the	DET
faba-184	15	19	banking	banking	NOUN
faba-184	15	20	sector	sector	NOUN
faba-184	15	21	remains	remain	VERB
faba-184	15	22	a	a	DET
faba-184	15	23	challenge	challenge	NOUN
faba-184	15	24	(	(	PUNCT
faba-184	15	25	mishra	mishra	PROPN
faba-184	15	26	and	and	CCONJ
faba-184	15	27	bhardwaj	bhardwaj	PROPN
faba-184	15	28	2022	2022	NUM
faba-184	15	29	,	,	PUNCT
faba-184	15	30	omar	omar	PROPN
faba-184	15	31	and	and	CCONJ
faba-184	15	32	inaba	inaba	PROPN
faba-184	15	33	2020	2020	NUM
faba-184	15	34	;	;	PUNCT
faba-184	15	35	biyase	biyase	NOUN
faba-184	15	36	and	and	CCONJ
faba-184	15	37	fisher	fisher	PROPN
faba-184	15	38	2017	2017	NUM
faba-184	15	39	;	;	PUNCT
faba-184	15	40	goncharuk	goncharuk	PROPN
faba-184	15	41	2016	2016	NUM
faba-184	15	42	)	)	PUNCT
faba-184	15	43	.	.	PUNCT
faba-184	16	1	for	for	ADP
faba-184	16	2	instance	instance	NOUN
faba-184	16	3	,	,	PUNCT
faba-184	16	4	the	the	DET
faba-184	16	5	banking	banking	NOUN
faba-184	16	6	sector	sector	NOUN
faba-184	16	7	in	in	ADP
faba-184	16	8	south	south	PROPN
faba-184	16	9	africa	africa	PROPN
faba-184	16	10	does	do	AUX
faba-184	16	11	not	not	PART
faba-184	16	12	cater	cater	VERB
faba-184	16	13	for	for	ADP
faba-184	16	14	the	the	DET
faba-184	16	15	credit	credit	NOUN
faba-184	16	16	needs	need	NOUN
faba-184	16	17	of	of	ADP
faba-184	16	18	lowand	lowand	ADJ
faba-184	16	19	middle	middle	ADJ
faba-184	16	20	-	-	PUNCT
faba-184	16	21	income	income	NOUN
faba-184	16	22	households	household	NOUN
faba-184	16	23	due	due	ADP
faba-184	16	24	to	to	ADP
faba-184	16	25	information	information	NOUN
faba-184	16	26	asymmetry	asymmetry	NOUN
faba-184	16	27	and	and	CCONJ
faba-184	16	28	lack	lack	NOUN
faba-184	16	29	of	of	ADP
faba-184	16	30	collateral	collateral	NOUN
faba-184	16	31	,	,	PUNCT
faba-184	16	32	among	among	ADP
faba-184	16	33	other	other	ADJ
faba-184	16	34	borrower	borrower	NOUN
faba-184	16	35	shortcomings	shortcoming	NOUN
faba-184	16	36	(	(	PUNCT
faba-184	16	37	atamja	atamja	VERB
faba-184	16	38	and	and	CCONJ
faba-184	16	39	yoo	yoo	PROPN
faba-184	16	40	2021	2021	NUM
faba-184	16	41	;	;	PUNCT
faba-184	16	42	biyase	biyase	NOUN
faba-184	16	43	and	and	CCONJ
faba-184	16	44	fisher	fisher	PROPN
faba-184	16	45	2017	2017	NUM
faba-184	16	46	;	;	PUNCT
faba-184	16	47	james	james	PROPN
faba-184	16	48	2014	2014	NUM
faba-184	16	49	;	;	PUNCT
faba-184	16	50	mashigo	mashigo	VERB
faba-184	16	51	2009	2009	NUM
faba-184	16	52	;	;	PUNCT
faba-184	16	53	mashigo	mashigo	VERB
faba-184	16	54	and	and	CCONJ
faba-184	16	55	schoeman	schoeman	NOUN
faba-184	16	56	2012	2012	NUM
faba-184	16	57	)	)	PUNCT
faba-184	16	58	.	.	PUNCT
faba-184	17	1	this	this	PRON
faba-184	17	2	suggests	suggest	VERB
faba-184	17	3	that	that	SCONJ
faba-184	17	4	the	the	DET
faba-184	17	5	banking	banking	NOUN
faba-184	17	6	sector	sector	NOUN
faba-184	17	7	is	be	AUX
faba-184	17	8	still	still	ADV
faba-184	17	9	not	not	PART
faba-184	17	10	sufficiently	sufficiently	ADV
faba-184	17	11	developed	develop	VERB
faba-184	17	12	to	to	PART
faba-184	17	13	fully	fully	ADV
faba-184	17	14	serve	serve	VERB
faba-184	17	15	its	its	PRON
faba-184	17	16	diverse	diverse	ADJ
faba-184	17	17	clientele	clientele	NOUN
faba-184	17	18	(	(	PUNCT
faba-184	17	19	duvendack	duvendack	NOUN
faba-184	17	20	and	and	CCONJ
faba-184	17	21	mader	mader	NOUN
faba-184	17	22	2019	2019	NUM
faba-184	17	23	;	;	PUNCT
faba-184	17	24	mashigo	mashigo	VERB
faba-184	17	25	and	and	CCONJ
faba-184	17	26	kabir	kabir	PROPN
faba-184	17	27	2016	2016	NUM
faba-184	17	28	)	)	PUNCT
faba-184	17	29	.	.	PUNCT
faba-184	18	1	figure	figure	NOUN
faba-184	18	2	1	1	NUM
faba-184	18	3	below	below	ADV
faba-184	18	4	illustrates	illustrate	VERB
faba-184	18	5	trends	trend	NOUN
faba-184	18	6	in	in	ADP
faba-184	18	7	growth	growth	NOUN
faba-184	18	8	of	of	ADP
faba-184	18	9	stokvel	stokvel	ADJ
faba-184	18	10	savings	saving	NOUN
faba-184	18	11	compared	compare	VERB
faba-184	18	12	to	to	ADP
faba-184	18	13	formal	formal	ADJ
faba-184	18	14	bank	bank	NOUN
faba-184	18	15	deposits	deposit	NOUN
faba-184	18	16	proxied	proxie	VERB
faba-184	18	17	by	by	ADP
faba-184	18	18	liquid	liquid	ADJ
faba-184	18	19	liabilities	liability	NOUN
faba-184	18	20	.	.	PUNCT
faba-184	19	1	what	what	PRON
faba-184	19	2	is	be	AUX
faba-184	19	3	evident	evident	ADJ
faba-184	19	4	is	be	AUX
faba-184	19	5	that	that	SCONJ
faba-184	19	6	the	the	DET
faba-184	19	7	share	share	NOUN
faba-184	19	8	of	of	ADP
faba-184	19	9	stokvel	stokvel	ADJ
faba-184	19	10	savings	saving	NOUN
faba-184	19	11	is	be	AUX
faba-184	19	12	growing	grow	VERB
faba-184	19	13	in	in	ADP
faba-184	19	14	sympathy	sympathy	NOUN
faba-184	19	15	with	with	ADP
faba-184	19	16	formal	formal	ADJ
faba-184	19	17	bank	bank	NOUN
faba-184	19	18	deposits	deposit	NOUN
faba-184	19	19	.	.	PUNCT
faba-184	20	1	this	this	DET
faba-184	20	2	trend	trend	NOUN
faba-184	20	3	is	be	AUX
faba-184	20	4	cause	cause	NOUN
faba-184	20	5	for	for	ADP
faba-184	20	6	concern	concern	NOUN
faba-184	20	7	as	as	SCONJ
faba-184	20	8	it	it	PRON
faba-184	20	9	is	be	AUX
faba-184	20	10	a	a	DET
faba-184	20	11	recipe	recipe	NOUN
faba-184	20	12	for	for	ADP
faba-184	20	13	allocational	allocational	ADJ
faba-184	20	14	inefficiency	inefficiency	NOUN
faba-184	20	15	of	of	ADP
faba-184	20	16	funds	fund	NOUN
faba-184	20	17	in	in	ADP
faba-184	20	18	informal	informal	ADJ
faba-184	20	19	financial	financial	ADJ
faba-184	20	20	markets	market	NOUN
faba-184	20	21	due	due	ADJ
faba-184	20	22	to	to	ADP
faba-184	20	23	financial	financial	ADJ
faba-184	20	24	disintermediation	disintermediation	NOUN
faba-184	20	25	.	.	PUNCT
faba-184	21	1	in	in	ADP
faba-184	21	2	addition	addition	NOUN
faba-184	21	3	,	,	PUNCT
faba-184	21	4	the	the	DET
faba-184	21	5	problem	problem	NOUN
faba-184	21	6	of	of	ADP
faba-184	21	7	information	information	NOUN
faba-184	21	8	asymmetry	asymmetry	NOUN
faba-184	21	9	derives	derive	VERB
faba-184	21	10	from	from	ADP
faba-184	21	11	a	a	DET
faba-184	21	12	lack	lack	NOUN
faba-184	21	13	of	of	ADP
faba-184	21	14	trust	trust	NOUN
faba-184	21	15	between	between	ADP
faba-184	21	16	the	the	DET
faba-184	21	17	lender	lender	NOUN
faba-184	21	18	and	and	CCONJ
faba-184	21	19	the	the	DET
faba-184	21	20	borrower	borrower	NOUN
faba-184	21	21	,	,	PUNCT
faba-184	21	22	which	which	PRON
faba-184	21	23	results	result	VERB
faba-184	21	24	in	in	ADP
faba-184	21	25	a	a	DET
faba-184	21	26	perceived	perceive	VERB
faba-184	21	27	challenge	challenge	NOUN
faba-184	21	28	of	of	ADP
faba-184	21	29	the	the	DET
faba-184	21	30	probability	probability	NOUN
faba-184	21	31	of	of	ADP
faba-184	21	32	low	low	ADJ
faba-184	21	33	returns	return	NOUN
faba-184	21	34	(	(	PUNCT
faba-184	21	35	bime	bime	NOUN
faba-184	21	36	and	and	CCONJ
faba-184	21	37	mbanasor	mbanasor	NOUN
faba-184	21	38	2019	2019	NUM
faba-184	21	39	;	;	PUNCT
faba-184	21	40	sackey	sackey	NOUN
faba-184	21	41	2018	2018	NUM
faba-184	21	42	;	;	PUNCT
faba-184	21	43	sukmaningsih	sukmaningsih	ADJ
faba-184	21	44	2018	2018	NUM
faba-184	21	45	)	)	PUNCT
faba-184	21	46	.	.	PUNCT
faba-184	22	1	source	source	NOUN
faba-184	22	2	:	:	PUNCT
faba-184	22	3	author	author	NOUN
faba-184	22	4	construction	construction	NOUN
faba-184	22	5	.	.	PUNCT
faba-184	23	1	figure	figure	NOUN
faba-184	23	2	1	1	NUM
faba-184	23	3	.	.	PUNCT
faba-184	23	4	trends	trend	NOUN
faba-184	23	5	in	in	ADP
faba-184	23	6	stokvel	stokvel	ADJ
faba-184	23	7	savings	saving	NOUN
faba-184	23	8	and	and	CCONJ
faba-184	23	9	bank	bank	NOUN
faba-184	23	10	liquid	liquid	ADJ
faba-184	23	11	liabilities	liability	NOUN
faba-184	23	12	the	the	DET
faba-184	23	13	ever	ever	ADV
faba-184	23	14	-	-	PUNCT
faba-184	23	15	deteriorating	deteriorate	VERB
faba-184	23	16	economic	economic	ADJ
faba-184	23	17	situation	situation	NOUN
faba-184	23	18	,	,	PUNCT
faba-184	23	19	poverty	poverty	NOUN
faba-184	23	20	and	and	CCONJ
faba-184	23	21	unemployment	unemployment	NOUN
faba-184	23	22	in	in	ADP
faba-184	23	23	south	south	PROPN
faba-184	23	24	africa	africa	PROPN
faba-184	23	25	are	be	AUX
faba-184	23	26	significant	significant	ADJ
faba-184	23	27	reasons	reason	NOUN
faba-184	23	28	for	for	SCONJ
faba-184	23	29	households	household	NOUN
faba-184	23	30	to	to	PART
faba-184	23	31	participate	participate	VERB
faba-184	23	32	in	in	ADP
faba-184	23	33	stokvel	stokvel	ADJ
faba-184	23	34	savings	saving	NOUN
faba-184	23	35	(	(	PUNCT
faba-184	23	36	chineka	chineka	NOUN
faba-184	23	37	and	and	CCONJ
faba-184	23	38	mtetwa	mtetwa	NOUN
faba-184	23	39	2021	2021	NUM
faba-184	23	40	)	)	PUNCT
faba-184	23	41	.	.	PUNCT
faba-184	24	1	according	accord	VERB
faba-184	24	2	to	to	ADP
faba-184	24	3	sambo	sambo	PROPN
faba-184	24	4	(	(	PUNCT
faba-184	24	5	2019:1	2019:1	NUM
faba-184	24	6	)	)	PUNCT
faba-184	24	7	,	,	PUNCT
faba-184	24	8	unemployment	unemployment	NOUN
faba-184	24	9	is	be	AUX
faba-184	24	10	the	the	DET
faba-184	24	11	number	number	NOUN
faba-184	24	12	one	one	NUM
faba-184	24	13	cause	cause	NOUN
faba-184	24	14	of	of	ADP
faba-184	24	15	poverty	poverty	NOUN
faba-184	24	16	and	and	CCONJ
faba-184	24	17	inequality	inequality	NOUN
faba-184	24	18	in	in	ADP
faba-184	24	19	the	the	DET
faba-184	24	20	country	country	NOUN
faba-184	24	21	.	.	PUNCT
faba-184	25	1	in	in	ADP
faba-184	25	2	2006	2006	NUM
faba-184	25	3	,	,	PUNCT
faba-184	25	4	more	more	ADJ
faba-184	25	5	than	than	ADP
faba-184	25	6	two	two	NUM
faba-184	25	7	out	out	ADP
faba-184	25	8	of	of	ADP
faba-184	25	9	every	every	DET
faba-184	25	10	five	five	NUM
faba-184	25	11	(	(	PUNCT
faba-184	25	12	42.2	42.2	NUM
faba-184	25	13	%	%	NOUN
faba-184	25	14	)	)	PUNCT
faba-184	25	15	households	household	NOUN
faba-184	25	16	in	in	ADP
faba-184	25	17	south	south	PROPN
faba-184	25	18	africa	africa	PROPN
faba-184	25	19	lived	live	VERB
faba-184	25	20	below	below	ADP
faba-184	25	21	the	the	DET
faba-184	25	22	upper	upper	ADV
faba-184	25	23	-	-	PUNCT
faba-184	25	24	bound	bind	VERB
faba-184	25	25	poverty	poverty	NOUN
faba-184	25	26	line	line	NOUN
faba-184	25	27	.	.	PUNCT
faba-184	26	1	while	while	SCONJ
faba-184	26	2	the	the	DET
faba-184	26	3	poverty	poverty	NOUN
faba-184	26	4	level	level	NOUN
faba-184	26	5	was	be	AUX
faba-184	26	6	similar	similar	ADJ
faba-184	26	7	in	in	ADP
faba-184	26	8	2009	2009	NUM
faba-184	26	9	at	at	ADP
faba-184	26	10	42.7	42.7	NUM
faba-184	26	11	%	%	NOUN
faba-184	26	12	,	,	PUNCT
faba-184	26	13	there	there	PRON
faba-184	26	14	was	be	VERB
faba-184	26	15	a	a	DET
faba-184	26	16	decline	decline	NOUN
faba-184	26	17	in	in	ADP
faba-184	26	18	households	household	NOUN
faba-184	26	19	living	live	VERB
faba-184	26	20	in	in	ADP
faba-184	26	21	poverty	poverty	NOUN
faba-184	26	22	in	in	ADP
faba-184	26	23	2011	2011	NUM
faba-184	26	24	,	,	PUNCT
faba-184	26	25	with	with	ADP
faba-184	26	26	approximately	approximately	ADV
faba-184	26	27	a	a	DET
faba-184	26	28	third	third	ADJ
faba-184	26	29	(	(	PUNCT
faba-184	26	30	32.9	32.9	NUM
faba-184	26	31	%	%	NOUN
faba-184	26	32	)	)	PUNCT
faba-184	26	33	of	of	ADP
faba-184	26	34	all	all	DET
faba-184	26	35	households	household	NOUN
faba-184	26	36	below	below	ADP
faba-184	26	37	this	this	DET
faba-184	26	38	level	level	NOUN
faba-184	26	39	.	.	PUNCT
faba-184	27	1	this	this	PRON
faba-184	27	2	shows	show	VERB
faba-184	27	3	a	a	DET
faba-184	27	4	significant	significant	ADJ
faba-184	27	5	reduction	reduction	NOUN
faba-184	27	6	in	in	ADP
faba-184	27	7	the	the	DET
faba-184	27	8	proportion	proportion	NOUN
faba-184	27	9	of	of	ADP
faba-184	27	10	poor	poor	ADJ
faba-184	27	11	households	household	NOUN
faba-184	27	12	in	in	ADP
faba-184	27	13	the	the	DET
faba-184	27	14	country	country	NOUN
faba-184	27	15	from	from	ADP
faba-184	27	16	2006	2006	NUM
faba-184	27	17	to	to	ADP
faba-184	27	18	2011	2011	NUM
faba-184	27	19	.	.	PUNCT
faba-184	28	1	however	however	ADV
faba-184	28	2	,	,	PUNCT
faba-184	28	3	given	give	VERB
faba-184	28	4	the	the	DET
faba-184	28	5	results	result	NOUN
faba-184	28	6	of	of	ADP
faba-184	28	7	the	the	DET
faba-184	28	8	2011	2011	NUM
faba-184	28	9	census	census	NOUN
faba-184	28	10	,	,	PUNCT
faba-184	28	11	this	this	PRON
faba-184	28	12	still	still	ADV
faba-184	28	13	translates	translate	VERB
faba-184	28	14	into	into	ADP
faba-184	28	15	approximately	approximately	ADV
faba-184	28	16	4.75	4.75	NUM
faba-184	28	17	million	million	NUM
faba-184	28	18	households	household	NOUN
faba-184	28	19	in	in	ADP
faba-184	28	20	south	south	PROPN
faba-184	28	21	africa	africa	PROPN
faba-184	28	22	living	live	VERB
faba-184	28	23	below	below	ADP
faba-184	28	24	the	the	DET
faba-184	28	25	poverty	poverty	NOUN
faba-184	28	26	line	line	NOUN
faba-184	28	27	(	(	PUNCT
faba-184	28	28	stats	stat	NOUN
faba-184	28	29	sa	sa	NOUN
faba-184	28	30	2014	2014	NUM
faba-184	28	31	)	)	PUNCT
faba-184	28	32	.	.	PUNCT
faba-184	29	1	access	access	NOUN
faba-184	29	2	to	to	ADP
faba-184	29	3	and	and	CCONJ
faba-184	29	4	the	the	DET
faba-184	29	5	use	use	NOUN
faba-184	29	6	of	of	ADP
faba-184	29	7	financial	financial	ADJ
faba-184	29	8	institutions	institution	NOUN
faba-184	29	9	by	by	ADP
faba-184	29	10	lowand	lowand	ADJ
faba-184	29	11	middle	middle	ADJ
faba-184	29	12	-	-	PUNCT
faba-184	29	13	income	income	NOUN
faba-184	29	14	households	household	NOUN
faba-184	29	15	is	be	AUX
faba-184	29	16	complicated	complicate	VERB
faba-184	29	17	4252	4252	NUM
faba-184	29	18	19724	19724	NUM
faba-184	29	19	27251	27251	NUM
faba-184	29	20	54238	54238	NUM
faba-184	29	21	78458	78458	NUM
faba-184	29	22	400	400	NUM
faba-184	30	1	641	641	NUM
faba-184	30	2	2460	2460	NUM
faba-184	30	3	14050	14050	NUM
faba-184	30	4	26774	26774	NUM
faba-184	30	5	0	0	SYM
faba-184	30	6	10000	10000	NUM
faba-184	30	7	20000	20000	NUM
faba-184	30	8	30000	30000	NUM
faba-184	30	9	40000	40000	NUM
faba-184	30	10	50000	50000	NUM
faba-184	30	11	60000	60000	NUM
faba-184	30	12	70000	70000	NUM
faba-184	30	13	80000	80000	NUM
faba-184	30	14	90000	90000	NUM
faba-184	30	15	1980	1980	NUM
faba-184	30	16	1990	1990	NUM
faba-184	30	17	2000	2000	NUM
faba-184	30	18	2010	2010	NUM
faba-184	30	19	2020	2020	NUM
faba-184	30	20	liquid	liquid	ADJ
faba-184	30	21	liabilities	liability	NOUN
faba-184	30	22	(	(	PUNCT
faba-184	30	23	zar000	zar000	NOUN
faba-184	30	24	)	)	PUNCT
faba-184	30	25	stokvel	stokvel	NOUN
faba-184	30	26	savings	saving	NOUN
faba-184	30	27	(	(	PUNCT
faba-184	30	28	zar000	zar000	PROPN
faba-184	30	29	)	)	PUNCT
faba-184	30	30	l.	l.	PROPN
faba-184	30	31	ngcobo	ngcobo	PROPN
faba-184	30	32	,	,	PUNCT
faba-184	30	33	j.	j.	PROPN
faba-184	30	34	chisasa	chisasa	PROPN
faba-184	30	35	,	,	PUNCT
faba-184	30	36	m.	m.	NOUN
faba-184	30	37	t.	t.	PROPN
faba-184	30	38	masetshaba	masetshaba	PROPN
faba-184	30	39	/	/	SYM
faba-184	30	40	finance	finance	NOUN
faba-184	30	41	,	,	PUNCT
faba-184	30	42	accounting	accounting	NOUN
faba-184	30	43	and	and	CCONJ
faba-184	30	44	business	business	NOUN
faba-184	30	45	analysis	analysis	NOUN
faba-184	30	46	,	,	PUNCT
faba-184	30	47	volume	volume	NOUN
faba-184	30	48	6	6	NUM
faba-184	30	49	,	,	PUNCT
faba-184	30	50	issue	issue	NOUN
faba-184	30	51	1	1	NUM
faba-184	30	52	,	,	PUNCT
faba-184	30	53	2024	2024	NUM
faba-184	30	54	88	88	NUM
faba-184	30	55	because	because	SCONJ
faba-184	30	56	the	the	DET
faba-184	30	57	majority	majority	NOUN
faba-184	30	58	of	of	ADP
faba-184	30	59	stokvel	stokvel	ADJ
faba-184	30	60	savings	saving	NOUN
faba-184	30	61	members	member	NOUN
faba-184	30	62	can	can	AUX
faba-184	30	63	not	not	PART
faba-184	30	64	provide	provide	VERB
faba-184	30	65	valid	valid	ADJ
faba-184	30	66	identity	identity	NOUN
faba-184	30	67	documents	document	NOUN
faba-184	30	68	(	(	PUNCT
faba-184	30	69	landman	landman	NOUN
faba-184	30	70	and	and	CCONJ
faba-184	30	71	mthombeni	mthombeni	NOUN
faba-184	30	72	2021	2021	NUM
faba-184	30	73	)	)	PUNCT
faba-184	30	74	.	.	PUNCT
faba-184	31	1	additionally	additionally	ADV
faba-184	31	2	,	,	PUNCT
faba-184	31	3	a	a	DET
faba-184	31	4	lack	lack	NOUN
faba-184	31	5	of	of	ADP
faba-184	31	6	education	education	NOUN
faba-184	31	7	influences	influence	VERB
faba-184	31	8	member	member	NOUN
faba-184	31	9	preference	preference	NOUN
faba-184	31	10	to	to	PART
faba-184	31	11	communicate	communicate	VERB
faba-184	31	12	in	in	ADP
faba-184	31	13	their	their	PRON
faba-184	31	14	mother	mother	NOUN
faba-184	31	15	language	language	NOUN
faba-184	31	16	when	when	SCONJ
faba-184	31	17	being	be	AUX
faba-184	31	18	served	serve	VERB
faba-184	31	19	in	in	ADP
faba-184	31	20	financial	financial	ADJ
faba-184	31	21	institutions	institution	NOUN
faba-184	31	22	(	(	PUNCT
faba-184	31	23	verhoef	verhoef	NOUN
faba-184	31	24	2001b	2001b	NUM
faba-184	31	25	;	;	PUNCT
faba-184	31	26	beck	beck	PROPN
faba-184	31	27	kibuuka	kibuuka	PROPN
faba-184	31	28	and	and	CCONJ
faba-184	31	29	tiongson	tiongson	PROPN
faba-184	31	30	2010	2010	NUM
faba-184	31	31	;	;	PUNCT
faba-184	31	32	moliea	moliea	NOUN
faba-184	31	33	2007	2007	NUM
faba-184	31	34	;	;	PUNCT
faba-184	31	35	mashigo	mashigo	VERB
faba-184	31	36	2012	2012	NUM
faba-184	31	37	;	;	PUNCT
faba-184	31	38	damodaram	damodaram	NOUN
faba-184	31	39	2013	2013	NUM
faba-184	31	40	)	)	PUNCT
faba-184	31	41	.	.	PUNCT
faba-184	32	1	these	these	PRON
faba-184	32	2	are	be	AUX
faba-184	32	3	also	also	ADV
faba-184	32	4	the	the	DET
faba-184	32	5	main	main	ADJ
faba-184	32	6	reasons	reason	NOUN
faba-184	32	7	lowand	lowand	VERB
faba-184	32	8	middleincome	middleincome	PROPN
faba-184	32	9	households	household	NOUN
faba-184	32	10	do	do	AUX
faba-184	32	11	not	not	PART
faba-184	32	12	use	use	VERB
faba-184	32	13	formal	formal	ADJ
faba-184	32	14	financial	financial	ADJ
faba-184	32	15	institutions	institution	NOUN
faba-184	32	16	(	(	PUNCT
faba-184	32	17	burkett	burkett	PROPN
faba-184	32	18	and	and	CCONJ
faba-184	32	19	sheehan	sheehan	PROPN
faba-184	32	20	,	,	PUNCT
faba-184	32	21	2009	2009	NUM
faba-184	32	22	;	;	PUNCT
faba-184	32	23	de	de	X
faba-184	32	24	cock	cock	NOUN
faba-184	32	25	,	,	PUNCT
faba-184	32	26	fitchett	fitchett	NOUN
faba-184	32	27	and	and	CCONJ
faba-184	32	28	volkmann	volkmann	PROPN
faba-184	32	29	,	,	PUNCT
faba-184	32	30	2005	2005	NUM
faba-184	32	31	)	)	PUNCT
faba-184	32	32	.	.	PUNCT
faba-184	33	1	many	many	ADJ
faba-184	33	2	south	south	PROPN
faba-184	33	3	africans	africans	PROPN
faba-184	33	4	are	be	AUX
faba-184	33	5	not	not	PART
faba-184	33	6	part	part	NOUN
faba-184	33	7	of	of	ADP
faba-184	33	8	the	the	DET
faba-184	33	9	formal	formal	ADJ
faba-184	33	10	financial	financial	ADJ
faba-184	33	11	system	system	NOUN
faba-184	33	12	;	;	PUNCT
faba-184	33	13	hence	hence	ADV
faba-184	33	14	,	,	PUNCT
faba-184	33	15	they	they	PRON
faba-184	33	16	save	save	VERB
faba-184	33	17	,	,	PUNCT
faba-184	33	18	invest	invest	VERB
faba-184	33	19	and	and	CCONJ
faba-184	33	20	use	use	VERB
faba-184	33	21	cr	cr	NOUN
faba-184	33	22	from	from	ADP
faba-184	33	23	stokvel	stokvel	ADJ
faba-184	33	24	savings	saving	NOUN
faba-184	33	25	(	(	PUNCT
faba-184	33	26	kumarasinghe	kumarasinghe	ADJ
faba-184	33	27	and	and	CCONJ
faba-184	33	28	munasinghe	munasinghe	ADJ
faba-184	33	29	2016	2016	NUM
faba-184	33	30	;	;	PUNCT
faba-184	33	31	kaseke	kaseke	ADJ
faba-184	33	32	and	and	CCONJ
faba-184	33	33	olivier	olivier	PROPN
faba-184	33	34	2008	2008	NUM
faba-184	33	35	)	)	PUNCT
faba-184	33	36	.	.	PUNCT
faba-184	34	1	this	this	DET
faba-184	34	2	situation	situation	NOUN
faba-184	34	3	is	be	AUX
faba-184	34	4	not	not	PART
faba-184	34	5	likely	likely	ADJ
faba-184	34	6	to	to	PART
faba-184	34	7	improve	improve	VERB
faba-184	34	8	in	in	ADP
faba-184	34	9	the	the	DET
faba-184	34	10	short	short	ADJ
faba-184	34	11	-	-	PUNCT
faba-184	34	12	term	term	NOUN
faba-184	34	13	considering	consider	VERB
faba-184	34	14	that	that	SCONJ
faba-184	34	15	unemployment	unemployment	NOUN
faba-184	34	16	has	have	AUX
faba-184	34	17	escalated	escalate	VERB
faba-184	34	18	by	by	ADP
faba-184	34	19	to	to	ADP
faba-184	34	20	32.9	32.9	NUM
faba-184	34	21	%	%	NOUN
faba-184	34	22	in	in	ADP
faba-184	34	23	the	the	DET
faba-184	34	24	first	first	ADJ
faba-184	34	25	quarter	quarter	NOUN
faba-184	34	26	of	of	ADP
faba-184	34	27	2024	2024	NUM
faba-184	34	28	,	,	PUNCT
faba-184	34	29	up	up	ADV
faba-184	34	30	0.8	0.8	NUM
faba-184	34	31	percent	percent	NOUN
faba-184	34	32	of	of	ADP
faba-184	34	33	a	a	DET
faba-184	34	34	percentage	percentage	NOUN
faba-184	34	35	point	point	NOUN
faba-184	34	36	from	from	ADP
faba-184	34	37	32.1	32.1	NUM
faba-184	34	38	%	%	NOUN
faba-184	34	39	in	in	ADP
faba-184	34	40	the	the	DET
faba-184	34	41	fourth	fourth	ADJ
faba-184	34	42	quarter	quarter	NOUN
faba-184	34	43	of	of	ADP
faba-184	34	44	2023	2023	NUM
faba-184	34	45	(	(	PUNCT
faba-184	34	46	statssa	statssa	NOUN
faba-184	34	47	2024	2024	NUM
faba-184	34	48	:	:	PUNCT
faba-184	34	49	q1	q1	NOUN
faba-184	34	50	)	)	PUNCT
faba-184	34	51	.	.	PUNCT
faba-184	35	1	additionally	additionally	ADV
faba-184	35	2	,	,	PUNCT
faba-184	35	3	in	in	ADP
faba-184	35	4	its	its	PRON
faba-184	35	5	expanded	expand	VERB
faba-184	35	6	form	form	NOUN
faba-184	35	7	,	,	PUNCT
faba-184	35	8	unemployment	unemployment	NOUN
faba-184	35	9	rose	rise	VERB
faba-184	35	10	by	by	ADP
faba-184	35	11	0.8	0.8	NUM
faba-184	35	12	of	of	ADP
faba-184	35	13	a	a	DET
faba-184	35	14	percentage	percentage	NOUN
faba-184	35	15	point	point	NOUN
faba-184	35	16	to	to	ADP
faba-184	35	17	41.9	41.9	NUM
faba-184	35	18	%	%	NOUN
faba-184	35	19	in	in	ADP
faba-184	35	20	2024	2024	NUM
faba-184	35	21	:	:	PUNCT
faba-184	35	22	q1	q1	NOUN
faba-184	35	23	relative	relative	ADJ
faba-184	35	24	to	to	ADP
faba-184	35	25	2023	2023	NUM
faba-184	35	26	:	:	PUNCT
faba-184	35	27	q4	q4	PROPN
faba-184	35	28	.	.	PUNCT
faba-184	36	1	implicitly	implicitly	ADV
faba-184	36	2	,	,	PUNCT
faba-184	36	3	this	this	PRON
faba-184	36	4	is	be	AUX
faba-184	36	5	likely	likely	ADJ
faba-184	36	6	to	to	PART
faba-184	36	7	cause	cause	VERB
faba-184	36	8	a	a	DET
faba-184	36	9	decrease	decrease	NOUN
faba-184	36	10	in	in	ADP
faba-184	36	11	household	household	NOUN
faba-184	36	12	capacity	capacity	NOUN
faba-184	36	13	to	to	PART
faba-184	36	14	save	save	VERB
faba-184	36	15	with	with	ADP
faba-184	36	16	formal	formal	ADJ
faba-184	36	17	banks	bank	NOUN
faba-184	36	18	and	and	CCONJ
faba-184	36	19	raise	raise	VERB
faba-184	36	20	an	an	DET
faba-184	36	21	appetite	appetite	ADJ
faba-184	36	22	stokvel	stokvel	NOUN
faba-184	36	23	savings	saving	NOUN
faba-184	36	24	.	.	PUNCT
faba-184	37	1	despite	despite	SCONJ
faba-184	37	2	playing	play	VERB
faba-184	37	3	second	second	ADJ
faba-184	37	4	fiddle	fiddle	NOUN
faba-184	37	5	to	to	ADP
faba-184	37	6	formal	formal	ADJ
faba-184	37	7	banking	banking	NOUN
faba-184	37	8	institutions	institution	NOUN
faba-184	37	9	,	,	PUNCT
faba-184	37	10	stokvels	stokvel	NOUN
faba-184	37	11	are	be	AUX
faba-184	37	12	community	community	NOUN
faba-184	37	13	-	-	PUNCT
faba-184	37	14	based	base	VERB
faba-184	37	15	savings	saving	NOUN
faba-184	37	16	schemes	scheme	NOUN
faba-184	37	17	aimed	aim	VERB
faba-184	37	18	at	at	ADP
faba-184	37	19	improving	improve	VERB
faba-184	37	20	the	the	DET
faba-184	37	21	lives	life	NOUN
faba-184	37	22	of	of	ADP
faba-184	37	23	lowand	lowand	ADJ
faba-184	37	24	middle	middle	ADJ
faba-184	37	25	-	-	PUNCT
faba-184	37	26	income	income	NOUN
faba-184	37	27	earners	earner	NOUN
faba-184	37	28	(	(	PUNCT
faba-184	37	29	van	van	PROPN
faba-184	37	30	wyk	wyk	PROPN
faba-184	37	31	2017	2017	NUM
faba-184	37	32	;	;	PUNCT
faba-184	37	33	floro	floro	PROPN
faba-184	37	34	and	and	CCONJ
faba-184	37	35	seguino	seguino	NOUN
faba-184	37	36	2002	2002	NUM
faba-184	37	37	)	)	PUNCT
faba-184	37	38	.	.	PUNCT
faba-184	38	1	members	member	NOUN
faba-184	38	2	prefer	prefer	VERB
faba-184	38	3	saving	save	VERB
faba-184	38	4	with	with	ADP
faba-184	38	5	stokvels	stokvel	NOUN
faba-184	38	6	because	because	SCONJ
faba-184	38	7	of	of	ADP
faba-184	38	8	the	the	DET
faba-184	38	9	transparency	transparency	NOUN
faba-184	38	10	of	of	ADP
faba-184	38	11	transactions	transaction	NOUN
faba-184	38	12	and	and	CCONJ
faba-184	38	13	the	the	DET
faba-184	38	14	control	control	NOUN
faba-184	38	15	it	it	PRON
faba-184	38	16	brings	bring	VERB
faba-184	38	17	to	to	ADP
faba-184	38	18	their	their	PRON
faba-184	38	19	money	money	NOUN
faba-184	38	20	(	(	PUNCT
faba-184	38	21	bophela	bophela	NOUN
faba-184	38	22	and	and	CCONJ
faba-184	38	23	khumalo	khumalo	PROPN
faba-184	38	24	2019	2019	NUM
faba-184	38	25	;	;	PUNCT
faba-184	38	26	storchi	storchi	PROPN
faba-184	38	27	2018	2018	NUM
faba-184	38	28	)	)	PUNCT
faba-184	38	29	.	.	PUNCT
faba-184	39	1	money	money	NOUN
faba-184	39	2	in	in	ADP
faba-184	39	3	this	this	DET
faba-184	39	4	pool	pool	NOUN
faba-184	39	5	is	be	AUX
faba-184	39	6	then	then	ADV
faba-184	39	7	paid	pay	VERB
faba-184	39	8	in	in	ADP
faba-184	39	9	full	full	ADJ
faba-184	39	10	or	or	CCONJ
faba-184	39	11	partially	partially	ADV
faba-184	39	12	to	to	ADP
faba-184	39	13	every	every	DET
faba-184	39	14	member	member	NOUN
faba-184	39	15	participating	participate	VERB
faba-184	39	16	in	in	ADP
faba-184	39	17	the	the	DET
faba-184	39	18	stokvel	stokvel	ADJ
faba-184	39	19	savings	saving	NOUN
faba-184	39	20	,	,	PUNCT
faba-184	39	21	either	either	CCONJ
faba-184	39	22	on	on	ADP
faba-184	39	23	a	a	DET
faba-184	39	24	rotational	rotational	ADJ
faba-184	39	25	basis	basis	NOUN
faba-184	39	26	or	or	CCONJ
faba-184	39	27	in	in	ADP
faba-184	39	28	times	time	NOUN
faba-184	39	29	of	of	ADP
faba-184	39	30	financial	financial	ADJ
faba-184	39	31	need	need	NOUN
faba-184	39	32	(	(	PUNCT
faba-184	39	33	verhoef	verhoef	NOUN
faba-184	39	34	2008	2008	NUM
faba-184	39	35	;	;	PUNCT
faba-184	39	36	matuku	matuku	NOUN
faba-184	39	37	and	and	CCONJ
faba-184	39	38	kaseke	kaseke	PROPN
faba-184	39	39	2014	2014	NUM
faba-184	39	40	;	;	PUNCT
faba-184	39	41	nyandoro	nyandoro	NOUN
faba-184	39	42	2018	2018	NUM
faba-184	39	43	)	)	PUNCT
faba-184	39	44	.	.	PUNCT
faba-184	40	1	lowand	lowand	ADJ
faba-184	40	2	middle	middle	ADJ
faba-184	40	3	-	-	PUNCT
faba-184	40	4	income	income	NOUN
faba-184	40	5	households	household	NOUN
faba-184	40	6	often	often	ADV
faba-184	40	7	use	use	VERB
faba-184	40	8	precautionary	precautionary	ADJ
faba-184	40	9	savings	saving	NOUN
faba-184	40	10	for	for	ADP
faba-184	40	11	stokvel	stokvel	ADJ
faba-184	40	12	savings	saving	NOUN
faba-184	40	13	,	,	PUNCT
faba-184	40	14	which	which	PRON
faba-184	40	15	are	be	AUX
faba-184	40	16	meant	mean	VERB
faba-184	40	17	to	to	PART
faba-184	40	18	safeguard	safeguard	VERB
faba-184	40	19	against	against	ADP
faba-184	40	20	any	any	DET
faba-184	40	21	possible	possible	ADJ
faba-184	40	22	future	future	ADJ
faba-184	40	23	unexpected	unexpected	ADJ
faba-184	40	24	income	income	NOUN
faba-184	40	25	shocks	shock	NOUN
faba-184	40	26	,	,	PUNCT
faba-184	40	27	often	often	ADV
faba-184	40	28	referred	refer	VERB
faba-184	40	29	to	to	ADP
faba-184	40	30	as	as	ADP
faba-184	40	31	“	"	PUNCT
faba-184	40	32	rainy	rainy	ADJ
faba-184	40	33	days	day	NOUN
faba-184	40	34	”	"	PUNCT
faba-184	40	35	or	or	CCONJ
faba-184	40	36	“	"	PUNCT
faba-184	40	37	emergency	emergency	NOUN
faba-184	40	38	savings	saving	NOUN
faba-184	40	39	”	"	PUNCT
faba-184	40	40	(	(	PUNCT
faba-184	40	41	simleit	simleit	NOUN
faba-184	40	42	,	,	PUNCT
faba-184	40	43	keeton	keeton	PROPN
faba-184	40	44	and	and	CCONJ
faba-184	40	45	botha	botha	PROPN
faba-184	40	46	2011	2011	NUM
faba-184	40	47	;	;	PUNCT
faba-184	40	48	floro	floro	PROPN
faba-184	40	49	and	and	CCONJ
faba-184	40	50	seguino	seguino	PROPN
faba-184	40	51	2002:1	2002:1	NUM
faba-184	40	52	)	)	PUNCT
faba-184	40	53	.	.	PUNCT
faba-184	41	1	stokvel	stokvel	ADJ
faba-184	41	2	savings	saving	NOUN
faba-184	41	3	provide	provide	VERB
faba-184	41	4	an	an	DET
faba-184	41	5	alternative	alternative	NOUN
faba-184	41	6	for	for	ADP
faba-184	41	7	lowand	lowand	ADJ
faba-184	41	8	middle	middle	ADJ
faba-184	41	9	-	-	PUNCT
faba-184	41	10	income	income	NOUN
faba-184	41	11	households	household	NOUN
faba-184	41	12	which	which	PRON
faba-184	41	13	can	can	AUX
faba-184	41	14	not	not	PART
faba-184	41	15	meet	meet	VERB
faba-184	41	16	the	the	DET
faba-184	41	17	requirements	requirement	NOUN
faba-184	41	18	of	of	ADP
faba-184	41	19	the	the	DET
faba-184	41	20	banking	banking	NOUN
faba-184	41	21	sector	sector	NOUN
faba-184	41	22	(	(	PUNCT
faba-184	41	23	nyandoro	nyandoro	NOUN
faba-184	41	24	2018	2018	NUM
faba-184	41	25	;	;	PUNCT
faba-184	41	26	mboweni	mboweni	NOUN
faba-184	41	27	1990	1990	NUM
faba-184	41	28	)	)	PUNCT
faba-184	41	29	.	.	PUNCT
faba-184	42	1	this	this	DET
faba-184	42	2	view	view	NOUN
faba-184	42	3	is	be	AUX
faba-184	42	4	supported	support	VERB
faba-184	42	5	by	by	ADP
faba-184	42	6	oji	oji	PROPN
faba-184	42	7	(	(	PUNCT
faba-184	42	8	2015	2015	NUM
faba-184	42	9	)	)	PUNCT
faba-184	42	10	,	,	PUNCT
faba-184	42	11	who	who	PRON
faba-184	42	12	observed	observe	VERB
faba-184	42	13	that	that	SCONJ
faba-184	42	14	african	african	ADJ
faba-184	42	15	countries	country	NOUN
faba-184	42	16	have	have	VERB
faba-184	42	17	a	a	DET
faba-184	42	18	proportion	proportion	NOUN
faba-184	42	19	of	of	ADP
faba-184	42	20	financially	financially	ADV
faba-184	42	21	excluded	exclude	VERB
faba-184	42	22	people	people	NOUN
faba-184	42	23	,	,	PUNCT
faba-184	42	24	which	which	PRON
faba-184	42	25	reflects	reflect	VERB
faba-184	42	26	a	a	DET
faba-184	42	27	lack	lack	NOUN
faba-184	42	28	of	of	ADP
faba-184	42	29	access	access	NOUN
faba-184	42	30	to	to	ADP
faba-184	42	31	financial	financial	ADJ
faba-184	42	32	resources	resource	NOUN
faba-184	42	33	.	.	PUNCT
faba-184	43	1	this	this	DET
faba-184	43	2	research	research	NOUN
faba-184	43	3	is	be	AUX
faba-184	43	4	different	different	ADJ
faba-184	43	5	from	from	ADP
faba-184	43	6	prior	prior	ADJ
faba-184	43	7	similar	similar	ADJ
faba-184	43	8	empirical	empirical	ADJ
faba-184	43	9	studies	study	NOUN
faba-184	43	10	because	because	SCONJ
faba-184	43	11	using	use	VERB
faba-184	43	12	the	the	DET
faba-184	43	13	multiple	multiple	ADJ
faba-184	43	14	regression	regression	NOUN
faba-184	43	15	model	model	NOUN
faba-184	43	16	,	,	PUNCT
faba-184	43	17	it	it	PRON
faba-184	43	18	attempts	attempt	VERB
faba-184	43	19	to	to	PART
faba-184	43	20	show	show	VERB
faba-184	43	21	the	the	DET
faba-184	43	22	nonlinear	nonlinear	ADJ
faba-184	43	23	relationship	relationship	NOUN
faba-184	43	24	of	of	ADP
faba-184	43	25	banking	banking	NOUN
faba-184	43	26	sector	sector	NOUN
faba-184	43	27	liquidity	liquidity	NOUN
faba-184	43	28	affected	affect	VERB
faba-184	43	29	by	by	ADP
faba-184	43	30	stokvel	stokvel	ADJ
faba-184	43	31	savings	saving	NOUN
faba-184	43	32	in	in	ADP
faba-184	43	33	south	south	PROPN
faba-184	43	34	africa	africa	PROPN
faba-184	43	35	.	.	PUNCT
faba-184	44	1	another	another	DET
faba-184	44	2	advantage	advantage	NOUN
faba-184	44	3	of	of	ADP
faba-184	44	4	the	the	DET
faba-184	44	5	multiple	multiple	ADJ
faba-184	44	6	regression	regression	NOUN
faba-184	44	7	model	model	NOUN
faba-184	44	8	is	be	AUX
faba-184	44	9	that	that	SCONJ
faba-184	44	10	its	its	PRON
faba-184	44	11	results	result	NOUN
faba-184	44	12	are	be	AUX
faba-184	44	13	more	more	ADV
faba-184	44	14	likely	likely	ADJ
faba-184	44	15	to	to	PART
faba-184	44	16	be	be	AUX
faba-184	44	17	accurate	accurate	ADJ
faba-184	44	18	because	because	SCONJ
faba-184	44	19	of	of	ADP
faba-184	44	20	its	its	PRON
faba-184	44	21	completeness	completeness	NOUN
faba-184	44	22	.	.	PUNCT
faba-184	45	1	this	this	PRON
faba-184	45	2	is	be	AUX
faba-184	45	3	because	because	SCONJ
faba-184	45	4	it	it	PRON
faba-184	45	5	includes	include	VERB
faba-184	45	6	all	all	DET
faba-184	45	7	the	the	DET
faba-184	45	8	important	important	ADJ
faba-184	45	9	variables	variable	NOUN
faba-184	45	10	in	in	ADP
faba-184	45	11	a	a	DET
faba-184	45	12	single	single	ADJ
faba-184	45	13	study	study	NOUN
faba-184	45	14	,	,	PUNCT
faba-184	45	15	for	for	ADP
faba-184	45	16	example	example	NOUN
faba-184	45	17	,	,	PUNCT
faba-184	45	18	the	the	DET
faba-184	45	19	dependent	dependent	ADJ
faba-184	45	20	variable	variable	ADJ
faba-184	45	21	banking	banking	NOUN
faba-184	45	22	sector	sector	NOUN
faba-184	45	23	liquidity	liquidity	NOUN
faba-184	45	24	(	(	PUNCT
faba-184	45	25	bsl	bsl	NOUN
faba-184	45	26	)	)	PUNCT
faba-184	45	27	,	,	PUNCT
faba-184	45	28	independent	independent	ADJ
faba-184	45	29	variable	variable	ADJ
faba-184	45	30	stokvel	stokvel	NOUN
faba-184	45	31	savings	saving	NOUN
faba-184	45	32	(	(	PUNCT
faba-184	45	33	stokvsav	stokvsav	PROPN
faba-184	45	34	)	)	PUNCT
faba-184	45	35	and	and	CCONJ
faba-184	45	36	the	the	DET
faba-184	45	37	control	control	NOUN
faba-184	45	38	variables	variable	VERB
faba-184	45	39	gross	gross	ADJ
faba-184	45	40	domestic	domestic	ADJ
faba-184	45	41	product	product	NOUN
faba-184	45	42	growth	growth	NOUN
faba-184	45	43	(	(	PUNCT
faba-184	45	44	gdpg	gdpg	ADJ
faba-184	45	45	)	)	PUNCT
faba-184	45	46	and	and	CCONJ
faba-184	45	47	money	money	NOUN
faba-184	45	48	supply	supply	NOUN
faba-184	45	49	(	(	PUNCT
faba-184	45	50	m3	m3	PROPN
faba-184	45	51	)	)	PUNCT
faba-184	45	52	.	.	PUNCT
faba-184	46	1	the	the	DET
faba-184	46	2	objective	objective	NOUN
faba-184	46	3	of	of	ADP
faba-184	46	4	this	this	DET
faba-184	46	5	study	study	NOUN
faba-184	46	6	was	be	AUX
faba-184	46	7	to	to	PART
faba-184	46	8	empirically	empirically	ADV
faba-184	46	9	investigate	investigate	VERB
faba-184	46	10	the	the	DET
faba-184	46	11	possible	possible	ADJ
faba-184	46	12	nonlinear	nonlinear	ADJ
faba-184	46	13	relationship	relationship	NOUN
faba-184	46	14	between	between	ADP
faba-184	46	15	stokvel	stokvel	ADJ
faba-184	46	16	savings	saving	NOUN
faba-184	46	17	(	(	PUNCT
faba-184	46	18	stokvsav	stokvsav	PROPN
faba-184	46	19	)	)	PUNCT
faba-184	46	20	and	and	CCONJ
faba-184	46	21	banking	banking	NOUN
faba-184	46	22	sector	sector	NOUN
faba-184	46	23	liquidity	liquidity	NOUN
faba-184	46	24	(	(	PUNCT
faba-184	46	25	bsl	bsl	NOUN
faba-184	46	26	)	)	PUNCT
faba-184	46	27	.	.	PUNCT
faba-184	47	1	thus	thus	ADV
faba-184	47	2	,	,	PUNCT
faba-184	47	3	the	the	DET
faba-184	47	4	paper	paper	NOUN
faba-184	47	5	sought	seek	VERB
faba-184	47	6	to	to	PART
faba-184	47	7	determine	determine	VERB
faba-184	47	8	whether	whether	SCONJ
faba-184	47	9	there	there	PRON
faba-184	47	10	exists	exist	VERB
faba-184	47	11	a	a	DET
faba-184	47	12	turning	turning	NOUN
faba-184	47	13	point	point	NOUN
faba-184	47	14	or	or	CCONJ
faba-184	47	15	a	a	DET
faba-184	47	16	threshold	threshold	NOUN
faba-184	47	17	level	level	NOUN
faba-184	47	18	above	above	ADP
faba-184	47	19	which	which	PRON
faba-184	47	20	the	the	DET
faba-184	47	21	effect	effect	NOUN
faba-184	47	22	of	of	ADP
faba-184	47	23	stokvsav	stokvsav	NOUN
faba-184	47	24	on	on	ADP
faba-184	47	25	banking	banking	NOUN
faba-184	47	26	sector	sector	NOUN
faba-184	47	27	liquidity	liquidity	NOUN
faba-184	47	28	switches	switch	NOUN
faba-184	47	29	from	from	ADP
faba-184	47	30	positive	positive	ADJ
faba-184	47	31	to	to	PART
faba-184	47	32	negative	negative	ADJ
faba-184	47	33	in	in	ADP
faba-184	47	34	south	south	PROPN
faba-184	47	35	africa	africa	PROPN
faba-184	47	36	;	;	PUNCT
faba-184	47	37	to	to	PART
faba-184	47	38	assess	assess	VERB
faba-184	47	39	the	the	DET
faba-184	47	40	long	long	ADV
faba-184	47	41	-	-	PUNCT
faba-184	47	42	run	run	NOUN
faba-184	47	43	as	as	ADV
faba-184	47	44	well	well	ADV
faba-184	47	45	as	as	ADP
faba-184	47	46	the	the	DET
faba-184	47	47	shortrun	shortrun	NOUN
faba-184	47	48	relationship	relationship	NOUN
faba-184	47	49	between	between	ADP
faba-184	47	50	the	the	DET
faba-184	47	51	two	two	NUM
faba-184	47	52	variables	variable	NOUN
faba-184	47	53	,	,	PUNCT
faba-184	47	54	controlling	control	VERB
faba-184	47	55	for	for	ADP
faba-184	47	56	other	other	ADJ
faba-184	47	57	stokvsav	stokvsav	ADJ
faba-184	47	58	determinants	determinant	NOUN
faba-184	47	59	.	.	PUNCT
faba-184	48	1	to	to	ADP
faba-184	48	2	this	this	DET
faba-184	48	3	end	end	NOUN
faba-184	48	4	,	,	PUNCT
faba-184	48	5	the	the	DET
faba-184	48	6	paper	paper	NOUN
faba-184	48	7	hypothesises	hypothesise	VERB
faba-184	48	8	that	that	SCONJ
faba-184	48	9	there	there	PRON
faba-184	48	10	is	be	VERB
faba-184	48	11	a	a	DET
faba-184	48	12	nonlinear	nonlinear	ADJ
faba-184	48	13	relationship	relationship	NOUN
faba-184	48	14	between	between	ADP
faba-184	48	15	stokvel	stokvel	NOUN
faba-184	48	16	saving	saving	NOUN
faba-184	48	17	and	and	CCONJ
faba-184	48	18	banking	banking	NOUN
faba-184	48	19	sector	sector	NOUN
faba-184	48	20	liquidity	liquidity	NOUN
faba-184	48	21	in	in	ADP
faba-184	48	22	south	south	PROPN
faba-184	48	23	africa	africa	PROPN
faba-184	48	24	.	.	PUNCT
faba-184	49	1	the	the	DET
faba-184	49	2	estimation	estimation	NOUN
faba-184	49	3	of	of	ADP
faba-184	49	4	this	this	DET
faba-184	49	5	relationship	relationship	NOUN
faba-184	49	6	was	be	AUX
faba-184	49	7	carried	carry	VERB
faba-184	49	8	out	out	ADP
faba-184	49	9	using	use	VERB
faba-184	49	10	a	a	DET
faba-184	49	11	novel	novel	ADJ
faba-184	49	12	methodology	methodology	NOUN
faba-184	49	13	combining	combine	VERB
faba-184	49	14	the	the	DET
faba-184	49	15	autoregressive	autoregressive	ADJ
faba-184	49	16	distributed	distribute	VERB
faba-184	49	17	lag	lag	NOUN
faba-184	49	18	(	(	PUNCT
faba-184	49	19	ardl	ardl	NOUN
faba-184	49	20	)	)	PUNCT
faba-184	49	21	bounds	bound	VERB
faba-184	49	22	testing	test	VERB
faba-184	49	23	approach	approach	NOUN
faba-184	49	24	to	to	ADP
faba-184	49	25	cointegration	cointegration	NOUN
faba-184	49	26	developed	develop	VERB
faba-184	49	27	by	by	ADP
faba-184	49	28	pesaran	pesaran	VERB
faba-184	49	29	,	,	PUNCT
faba-184	49	30	shin	shin	PROPN
faba-184	49	31	and	and	CCONJ
faba-184	49	32	smith	smith	PROPN
faba-184	49	33	(	(	PUNCT
faba-184	49	34	2001	2001	NUM
faba-184	49	35	)	)	PUNCT
faba-184	49	36	and	and	CCONJ
faba-184	49	37	nonlinear	nonlinear	ADJ
faba-184	49	38	autoregressive	autoregressive	ADJ
faba-184	49	39	distributed	distribute	VERB
faba-184	49	40	lag	lag	NOUN
faba-184	49	41	(	(	PUNCT
faba-184	49	42	nardl	nardl	NOUN
faba-184	49	43	)	)	PUNCT
faba-184	49	44	.	.	PUNCT
faba-184	50	1	the	the	DET
faba-184	50	2	remainder	remainder	NOUN
faba-184	50	3	of	of	ADP
faba-184	50	4	the	the	DET
faba-184	50	5	paper	paper	NOUN
faba-184	50	6	is	be	AUX
faba-184	50	7	organized	organize	VERB
faba-184	50	8	as	as	SCONJ
faba-184	50	9	follows	follow	VERB
faba-184	50	10	.	.	PUNCT
faba-184	51	1	a	a	DET
faba-184	51	2	selected	select	VERB
faba-184	51	3	review	review	NOUN
faba-184	51	4	of	of	ADP
faba-184	51	5	the	the	DET
faba-184	51	6	theoretical	theoretical	ADJ
faba-184	51	7	and	and	CCONJ
faba-184	51	8	empirical	empirical	ADJ
faba-184	51	9	literature	literature	NOUN
faba-184	51	10	,	,	PUNCT
faba-184	51	11	the	the	DET
faba-184	51	12	methodology	methodology	NOUN
faba-184	51	13	used	use	VERB
faba-184	51	14	,	,	PUNCT
faba-184	51	15	the	the	DET
faba-184	51	16	empirical	empirical	ADJ
faba-184	51	17	results	result	NOUN
faba-184	51	18	,	,	PUNCT
faba-184	51	19	the	the	DET
faba-184	51	20	summary	summary	NOUN
faba-184	51	21	,	,	PUNCT
faba-184	51	22	conclusions	conclusion	NOUN
faba-184	51	23	and	and	CCONJ
faba-184	51	24	the	the	DET
faba-184	51	25	policy	policy	NOUN
faba-184	51	26	implications	implication	NOUN
faba-184	51	27	of	of	ADP
faba-184	51	28	the	the	DET
faba-184	51	29	study	study	NOUN
faba-184	51	30	are	be	AUX
faba-184	51	31	presented	present	VERB
faba-184	51	32	sequentially	sequentially	ADV
faba-184	51	33	.	.	PUNCT
faba-184	52	1	empirical	empirical	ADJ
faba-184	52	2	literature	literature	PROPN
faba-184	52	3	the	the	DET
faba-184	52	4	financial	financial	ADJ
faba-184	52	5	system	system	NOUN
faba-184	52	6	pools	pool	NOUN
faba-184	52	7	together	together	ADV
faba-184	52	8	the	the	DET
faba-184	52	9	savings	saving	NOUN
faba-184	52	10	generated	generate	VERB
faba-184	52	11	in	in	ADP
faba-184	52	12	the	the	DET
faba-184	52	13	household	household	NOUN
faba-184	52	14	sector	sector	NOUN
faba-184	52	15	.	.	PUNCT
faba-184	53	1	(	(	PUNCT
faba-184	53	2	levine	levine	PROPN
faba-184	53	3	,	,	PUNCT
faba-184	53	4	1997	1997	NUM
faba-184	53	5	)	)	PUNCT
faba-184	53	6	.	.	PUNCT
faba-184	54	1	in	in	ADP
faba-184	54	2	the	the	DET
faba-184	54	3	banking	banking	NOUN
faba-184	54	4	sector	sector	NOUN
faba-184	54	5	,	,	PUNCT
faba-184	54	6	this	this	DET
faba-184	54	7	task	task	NOUN
faba-184	54	8	is	be	AUX
faba-184	54	9	primarily	primarily	ADV
faba-184	54	10	performed	perform	VERB
faba-184	54	11	by	by	ADP
faba-184	54	12	banks	bank	NOUN
faba-184	54	13	’	’	PART
faba-184	54	14	local	local	ADJ
faba-184	54	15	branches	branch	NOUN
faba-184	54	16	,	,	PUNCT
faba-184	54	17	which	which	PRON
faba-184	54	18	,	,	PUNCT
faba-184	54	19	being	be	AUX
faba-184	54	20	close	close	ADJ
faba-184	54	21	to	to	ADP
faba-184	54	22	savers	saver	NOUN
faba-184	54	23	,	,	PUNCT
faba-184	54	24	can	can	AUX
faba-184	54	25	create	create	VERB
faba-184	54	26	stable	stable	ADJ
faba-184	54	27	relationships	relationship	NOUN
faba-184	54	28	with	with	ADP
faba-184	54	29	savers	saver	NOUN
faba-184	54	30	based	base	VERB
faba-184	54	31	on	on	ADP
faba-184	54	32	trust	trust	NOUN
faba-184	54	33	and	and	CCONJ
faba-184	54	34	on	on	ADP
faba-184	54	35	the	the	DET
faba-184	54	36	repeated	repeat	VERB
faba-184	54	37	provision	provision	NOUN
faba-184	54	38	of	of	ADP
faba-184	54	39	financial	financial	ADJ
faba-184	54	40	services	service	NOUN
faba-184	54	41	(	(	PUNCT
faba-184	54	42	giovannini	giovannini	PROPN
faba-184	54	43	,	,	PUNCT
faba-184	54	44	lacopettaand	lacopettaand	NOUN
faba-184	54	45	minetti	minetti	NOUN
faba-184	54	46	2013	2013	NUM
faba-184	54	47	)	)	PUNCT
faba-184	54	48	.	.	PUNCT
faba-184	55	1	banks	bank	NOUN
faba-184	55	2	create	create	VERB
faba-184	55	3	a	a	DET
faba-184	55	4	relationship	relationship	NOUN
faba-184	55	5	with	with	ADP
faba-184	55	6	household	household	NOUN
faba-184	55	7	savers	saver	NOUN
faba-184	55	8	,	,	PUNCT
faba-184	55	9	and	and	CCONJ
faba-184	55	10	the	the	DET
faba-184	55	11	financial	financial	ADJ
faba-184	55	12	systems	system	NOUN
faba-184	55	13	pool	pool	VERB
faba-184	55	14	together	together	ADV
faba-184	55	15	savings	saving	NOUN
faba-184	55	16	by	by	ADP
faba-184	55	17	households	household	NOUN
faba-184	55	18	which	which	PRON
faba-184	55	19	are	be	AUX
faba-184	55	20	referred	refer	VERB
faba-184	55	21	to	to	ADP
faba-184	55	22	as	as	ADP
faba-184	55	23	liquid	liquid	ADJ
faba-184	55	24	liabilities	liability	NOUN
faba-184	55	25	due	due	ADP
faba-184	55	26	to	to	ADP
faba-184	55	27	their	their	PRON
faba-184	55	28	short	short	ADJ
faba-184	55	29	-	-	PUNCT
faba-184	55	30	term	term	NOUN
faba-184	55	31	nature	nature	NOUN
faba-184	55	32	.	.	PUNCT
faba-184	56	1	an	an	DET
faba-184	56	2	increase	increase	NOUN
faba-184	56	3	in	in	ADP
faba-184	56	4	savings	saving	NOUN
faba-184	56	5	leads	lead	VERB
faba-184	56	6	to	to	ADP
faba-184	56	7	output	output	NOUN
faba-184	56	8	growth	growth	NOUN
faba-184	56	9	by	by	ADP
faba-184	56	10	allowing	allow	VERB
faba-184	56	11	an	an	DET
faba-184	56	12	increase	increase	NOUN
faba-184	56	13	in	in	ADP
faba-184	56	14	investments	investment	NOUN
faba-184	56	15	.	.	PUNCT
faba-184	57	1	the	the	DET
faba-184	57	2	banking	banking	NOUN
faba-184	57	3	sector	sector	NOUN
faba-184	57	4	induces	induce	VERB
faba-184	57	5	the	the	DET
faba-184	57	6	mobilisation	mobilisation	NOUN
faba-184	57	7	of	of	ADP
faba-184	57	8	lowand	lowand	ADJ
faba-184	57	9	middle	middle	ADJ
faba-184	57	10	-	-	PUNCT
faba-184	57	11	income	income	NOUN
faba-184	57	12	households	household	NOUN
faba-184	57	13	’	'	PUNCT
faba-184	57	14	savings	saving	NOUN
faba-184	57	15	,	,	PUNCT
faba-184	57	16	resulting	result	VERB
faba-184	57	17	in	in	ADP
faba-184	57	18	an	an	DET
faba-184	57	19	increase	increase	NOUN
faba-184	57	20	in	in	ADP
faba-184	57	21	output	output	NOUN
faba-184	57	22	growth	growth	NOUN
faba-184	57	23	(	(	PUNCT
faba-184	57	24	gurley	gurley	NOUN
faba-184	57	25	and	and	CCONJ
faba-184	57	26	shaw	shaw	PROPN
faba-184	57	27	1960	1960	NUM
faba-184	57	28	)	)	PUNCT
faba-184	57	29	.	.	PUNCT
faba-184	58	1	in	in	ADP
faba-184	58	2	this	this	DET
faba-184	58	3	study	study	NOUN
faba-184	58	4	,	,	PUNCT
faba-184	58	5	banking	banking	NOUN
faba-184	58	6	sector	sector	NOUN
faba-184	58	7	liquidity	liquidity	NOUN
faba-184	58	8	(	(	PUNCT
faba-184	58	9	bsl	bsl	NOUN
faba-184	58	10	)	)	PUNCT
faba-184	58	11	is	be	AUX
faba-184	58	12	denoted	denote	VERB
faba-184	58	13	by	by	ADP
faba-184	58	14	banking	banking	NOUN
faba-184	58	15	sector	sector	NOUN
faba-184	58	16	liquid	liquid	ADJ
faba-184	58	17	liabilities	liability	NOUN
faba-184	58	18	as	as	ADP
faba-184	58	19	a	a	DET
faba-184	58	20	percentage	percentage	NOUN
faba-184	58	21	of	of	ADP
faba-184	58	22	gdp	gdp	NOUN
faba-184	58	23	(	(	PUNCT
faba-184	58	24	singh	singh	PROPN
faba-184	58	25	and	and	CCONJ
faba-184	58	26	sharma	sharma	PROPN
faba-184	58	27	2016	2016	NUM
faba-184	58	28	;	;	PUNCT
faba-184	58	29	laštůvková	laštůvková	PROPN
faba-184	58	30	2016	2016	NUM
faba-184	58	31	;	;	PUNCT
faba-184	58	32	marozva	marozva	PROPN
faba-184	58	33	2013	2013	NUM
faba-184	58	34	;	;	PUNCT
faba-184	58	35	marozva	marozva	NOUN
faba-184	58	36	2015	2015	NUM
faba-184	58	37	)	)	PUNCT
faba-184	58	38	.	.	PUNCT
faba-184	59	1	banking	banking	NOUN
faba-184	59	2	sector	sector	NOUN
faba-184	59	3	liquidity	liquidity	NOUN
faba-184	59	4	is	be	AUX
faba-184	59	5	expected	expect	VERB
faba-184	59	6	to	to	PART
faba-184	59	7	have	have	VERB
faba-184	59	8	a	a	DET
faba-184	59	9	direct	direct	ADJ
faba-184	59	10	relationship	relationship	NOUN
faba-184	59	11	with	with	ADP
faba-184	59	12	stokvel	stokvel	ADJ
faba-184	59	13	savings	saving	NOUN
faba-184	59	14	.	.	PUNCT
faba-184	60	1	the	the	PRON
faba-184	60	2	higher	high	ADJ
faba-184	60	3	the	the	DET
faba-184	60	4	liquidity	liquidity	NOUN
faba-184	60	5	the	the	PRON
faba-184	60	6	higher	high	ADJ
faba-184	60	7	the	the	DET
faba-184	60	8	households	household	NOUN
faba-184	60	9	’	'	PUNCT
faba-184	60	10	incomes	income	NOUN
faba-184	60	11	which	which	PRON
faba-184	60	12	then	then	ADV
faba-184	60	13	promotes	promote	VERB
faba-184	60	14	stokvel	stokvel	ADJ
faba-184	60	15	savings	saving	NOUN
faba-184	60	16	.	.	PUNCT
faba-184	61	1	on	on	ADP
faba-184	61	2	the	the	DET
faba-184	61	3	other	other	ADJ
faba-184	61	4	hand	hand	NOUN
faba-184	61	5	,	,	PUNCT
faba-184	61	6	stokvel	stokvel	ADJ
faba-184	61	7	savings	saving	NOUN
faba-184	61	8	are	be	AUX
faba-184	61	9	expected	expect	VERB
faba-184	61	10	to	to	PART
faba-184	61	11	positively	positively	ADV
faba-184	61	12	influence	influence	VERB
faba-184	61	13	banking	banking	NOUN
faba-184	61	14	sector	sector	NOUN
faba-184	61	15	liquidity	liquidity	NOUN
faba-184	61	16	.	.	PUNCT
faba-184	62	1	the	the	PRON
faba-184	62	2	higher	high	ADJ
faba-184	62	3	the	the	DET
faba-184	62	4	stokvel	stokvel	NOUN
faba-184	62	5	savings	saving	VERB
faba-184	62	6	the	the	PRON
faba-184	62	7	higher	high	ADJ
faba-184	62	8	the	the	DET
faba-184	62	9	liquid	liquid	ADJ
faba-184	62	10	liabilities	liability	NOUN
faba-184	62	11	of	of	ADP
faba-184	62	12	the	the	DET
faba-184	62	13	bank	bank	NOUN
faba-184	62	14	.	.	PUNCT
faba-184	63	1	l.	l.	PROPN
faba-184	63	2	ngcobo	ngcobo	PROPN
faba-184	63	3	,	,	PUNCT
faba-184	63	4	j.	j.	PROPN
faba-184	63	5	chisasa	chisasa	PROPN
faba-184	63	6	,	,	PUNCT
faba-184	63	7	m.	m.	NOUN
faba-184	63	8	t.	t.	PROPN
faba-184	63	9	masetshaba	masetshaba	PROPN
faba-184	63	10	/	/	SYM
faba-184	63	11	finance	finance	NOUN
faba-184	63	12	,	,	PUNCT
faba-184	63	13	accounting	accounting	NOUN
faba-184	63	14	and	and	CCONJ
faba-184	63	15	business	business	NOUN
faba-184	63	16	analysis	analysis	NOUN
faba-184	63	17	,	,	PUNCT
faba-184	63	18	volume	volume	NOUN
faba-184	63	19	6	6	NUM
faba-184	63	20	,	,	PUNCT
faba-184	63	21	issue	issue	NOUN
faba-184	63	22	1	1	NUM
faba-184	63	23	,	,	PUNCT
faba-184	63	24	2024	2024	NUM
faba-184	63	25	89	89	NUM
faba-184	63	26	in	in	ADP
faba-184	63	27	south	south	PROPN
faba-184	63	28	africa	africa	PROPN
faba-184	63	29	,	,	PUNCT
faba-184	63	30	there	there	PRON
faba-184	63	31	are	be	VERB
faba-184	63	32	11	11	NUM
faba-184	63	33	official	official	ADJ
faba-184	63	34	languages	language	NOUN
faba-184	63	35	with	with	ADP
faba-184	63	36	different	different	ADJ
faba-184	63	37	names	name	NOUN
faba-184	63	38	for	for	ADP
faba-184	63	39	a	a	DET
faba-184	63	40	‘	'	PUNCT
faba-184	63	41	stokvel	stokvel	NOUN
faba-184	63	42	’	'	PUNCT
faba-184	63	43	.	.	PUNCT
faba-184	64	1	for	for	ADP
faba-184	64	2	example	example	NOUN
faba-184	64	3	,	,	PUNCT
faba-184	64	4	it	it	PRON
faba-184	64	5	is	be	AUX
faba-184	64	6	known	know	VERB
faba-184	64	7	as	as	ADP
faba-184	64	8	‘	'	PUNCT
faba-184	64	9	mohodisano	mohodisano	NOUN
faba-184	64	10	’	'	PUNCT
faba-184	64	11	in	in	ADP
faba-184	64	12	sotho	sotho	NOUN
faba-184	64	13	-	-	PUNCT
faba-184	64	14	speaking	speak	VERB
faba-184	64	15	regions	region	NOUN
faba-184	64	16	,	,	PUNCT
faba-184	64	17	‘	'	PUNCT
faba-184	64	18	kuholisana	kuholisana	NOUN
faba-184	64	19	’	'	PUNCT
faba-184	64	20	in	in	ADP
faba-184	64	21	isizulu	isizulu	NOUN
faba-184	64	22	-	-	PUNCT
faba-184	64	23	speaking	speak	VERB
faba-184	64	24	regions	region	NOUN
faba-184	64	25	,	,	PUNCT
faba-184	64	26	‘	'	PUNCT
faba-184	64	27	umgalelo	umgalelo	NOUN
faba-184	64	28	’	'	PUNCT
faba-184	64	29	in	in	ADP
faba-184	64	30	xhosa	xhosa	PROPN
faba-184	64	31	-	-	PUNCT
faba-184	64	32	speaking	speak	VERB
faba-184	64	33	regions	region	NOUN
faba-184	64	34	and	and	CCONJ
faba-184	64	35	‘	'	PUNCT
faba-184	64	36	gooi	gooi	X
faba-184	64	37	-	-	PUNCT
faba-184	64	38	goois	goois	NOUN
faba-184	64	39	’	'	PUNCT
faba-184	64	40	in	in	ADP
faba-184	64	41	afrikaans	afrikaans	PROPN
faba-184	64	42	-	-	PUNCT
faba-184	64	43	speaking	speak	VERB
faba-184	64	44	regions	region	NOUN
faba-184	64	45	(	(	PUNCT
faba-184	64	46	van	van	PROPN
faba-184	64	47	wyk	wyk	PROPN
faba-184	64	48	2017	2017	NUM
faba-184	64	49	)	)	PUNCT
faba-184	64	50	.	.	PUNCT
faba-184	65	1	stokvels	stokvel	NOUN
faba-184	65	2	offer	offer	VERB
faba-184	65	3	financial	financial	ADJ
faba-184	65	4	services	service	NOUN
faba-184	65	5	outside	outside	ADP
faba-184	65	6	of	of	ADP
faba-184	65	7	the	the	DET
faba-184	65	8	domain	domain	NOUN
faba-184	65	9	of	of	ADP
faba-184	65	10	the	the	DET
faba-184	65	11	banking	banking	NOUN
faba-184	65	12	sector	sector	NOUN
faba-184	65	13	of	of	ADP
faba-184	65	14	south	south	PROPN
faba-184	65	15	africa	africa	PROPN
faba-184	65	16	and	and	CCONJ
faba-184	65	17	are	be	AUX
faba-184	65	18	not	not	PART
faba-184	65	19	governed	govern	VERB
faba-184	65	20	by	by	ADP
faba-184	65	21	banking	banking	NOUN
faba-184	65	22	regulations	regulation	NOUN
faba-184	65	23	(	(	PUNCT
faba-184	65	24	tengeh	tengeh	NOUN
faba-184	65	25	and	and	CCONJ
faba-184	65	26	nkem	nkem	VERB
faba-184	65	27	2017	2017	NUM
faba-184	65	28	)	)	PUNCT
faba-184	65	29	.	.	PUNCT
faba-184	66	1	terminology	terminology	NOUN
faba-184	66	2	varies	vary	VERB
faba-184	66	3	among	among	ADP
faba-184	66	4	countries	country	NOUN
faba-184	66	5	;	;	PUNCT
faba-184	66	6	however	however	ADV
faba-184	66	7	,	,	PUNCT
faba-184	66	8	the	the	DET
faba-184	66	9	names	name	NOUN
faba-184	66	10	invariably	invariably	ADV
faba-184	66	11	signify	signify	VERB
faba-184	66	12	some	some	DET
faba-184	66	13	sort	sort	NOUN
faba-184	66	14	of	of	ADP
faba-184	66	15	community	community	NOUN
faba-184	66	16	activity	activity	NOUN
faba-184	66	17	or	or	CCONJ
faba-184	66	18	derive	derive	ADJ
faba-184	66	19	from	from	ADP
faba-184	66	20	the	the	DET
faba-184	66	21	name	name	NOUN
faba-184	66	22	of	of	ADP
faba-184	66	23	the	the	DET
faba-184	66	24	money	money	NOUN
faba-184	66	25	fund	fund	NOUN
faba-184	66	26	,	,	PUNCT
faba-184	66	27	e.g.	e.g.	ADV
faba-184	66	28	,	,	PUNCT
faba-184	66	29	boxmoney	boxmoney	NOUN
faba-184	66	30	,	,	PUNCT
faba-184	66	31	boxi	boxi	PROPN
faba-184	66	32	.	.	PUNCT
faba-184	67	1	the	the	DET
faba-184	67	2	participants	participant	NOUN
faba-184	67	3	are	be	AUX
faba-184	67	4	often	often	ADV
faba-184	67	5	referred	refer	VERB
faba-184	67	6	to	to	ADP
faba-184	67	7	as	as	ADP
faba-184	67	8	‘	'	PUNCT
faba-184	67	9	players	player	NOUN
faba-184	67	10	’	'	PUNCT
faba-184	67	11	,	,	PUNCT
faba-184	67	12	sometimes	sometimes	ADV
faba-184	67	13	as	as	ADP
faba-184	67	14	‘	'	PUNCT
faba-184	67	15	throwers	thrower	NOUN
faba-184	67	16	’	'	PUNCT
faba-184	67	17	(	(	PUNCT
faba-184	67	18	besson	besson	PROPN
faba-184	67	19	1996	1996	NUM
faba-184	67	20	)	)	PUNCT
faba-184	67	21	,	,	PUNCT
faba-184	67	22	and	and	CCONJ
faba-184	67	23	the	the	DET
faba-184	67	24	contributions	contribution	NOUN
faba-184	67	25	may	may	AUX
faba-184	67	26	be	be	AUX
faba-184	67	27	termed	term	VERB
faba-184	67	28	the	the	DET
faba-184	67	29	‘	'	PUNCT
faba-184	67	30	hand	hand	NOUN
faba-184	67	31	’	'	PUNCT
faba-184	67	32	or	or	CCONJ
faba-184	67	33	‘	'	PUNCT
faba-184	67	34	shares	share	NOUN
faba-184	67	35	’	'	PUNCT
faba-184	67	36	(	(	PUNCT
faba-184	67	37	handa	handa	PROPN
faba-184	67	38	and	and	CCONJ
faba-184	67	39	kirton	kirton	PROPN
faba-184	67	40	1999	1999	NUM
faba-184	67	41	)	)	PUNCT
faba-184	67	42	.	.	PUNCT
faba-184	68	1	sometimes	sometimes	ADV
faba-184	68	2	the	the	DET
faba-184	68	3	association	association	NOUN
faba-184	68	4	may	may	AUX
faba-184	68	5	be	be	AUX
faba-184	68	6	known	know	VERB
faba-184	68	7	by	by	ADP
faba-184	68	8	the	the	DET
faba-184	68	9	purpose	purpose	NOUN
faba-184	68	10	for	for	ADP
faba-184	68	11	which	which	PRON
faba-184	68	12	the	the	DET
faba-184	68	13	share	share	NOUN
faba-184	68	14	-	-	PUNCT
faba-184	68	15	outs	out	NOUN
faba-184	68	16	are	be	AUX
faba-184	68	17	to	to	PART
faba-184	68	18	be	be	AUX
faba-184	68	19	used	use	VERB
faba-184	68	20	,	,	PUNCT
faba-184	68	21	e.g.	e.g.	ADV
faba-184	68	22	,	,	PUNCT
faba-184	68	23	kitchen	kitchen	NOUN
faba-184	68	24	roscas	roscas	NOUN
faba-184	68	25	(	(	PUNCT
faba-184	68	26	niger	niger	NOUN
faba-184	68	27	-	-	PUNCT
faba-184	68	28	thomas	thomas	PROPN
faba-184	68	29	1995	1995	NUM
faba-184	68	30	)	)	PUNCT
faba-184	68	31	or	or	CCONJ
faba-184	68	32	named	name	VERB
faba-184	68	33	after	after	ADP
faba-184	68	34	the	the	DET
faba-184	68	35	day	day	NOUN
faba-184	68	36	on	on	ADP
faba-184	68	37	which	which	PRON
faba-184	68	38	members	member	NOUN
faba-184	68	39	meet	meet	VERB
faba-184	68	40	(	(	PUNCT
faba-184	68	41	geert	geert	PROPN
faba-184	68	42	1962	1962	NUM
faba-184	68	43	;	;	PUNCT
faba-184	68	44	ardener	ardener	NOUN
faba-184	68	45	1964	1964	NUM
faba-184	68	46	;	;	PUNCT
faba-184	68	47	low	low	ADJ
faba-184	68	48	1995	1995	NUM
faba-184	68	49	)	)	PUNCT
faba-184	68	50	.	.	PUNCT
faba-184	69	1	figure	figure	NOUN
faba-184	69	2	2	2	NUM
faba-184	69	3	below	below	ADP
faba-184	69	4	presents	present	VERB
faba-184	69	5	the	the	DET
faba-184	69	6	schematic	schematic	ADJ
faba-184	69	7	conceptual	conceptual	ADJ
faba-184	69	8	framework	framework	NOUN
faba-184	69	9	of	of	ADP
faba-184	69	10	stokvels	stokvel	NOUN
faba-184	69	11	.	.	PUNCT
faba-184	70	1	informal	informal	ADJ
faba-184	70	2	savings	saving	NOUN
faba-184	70	3	organisations	organisation	NOUN
faba-184	70	4	are	be	AUX
faba-184	70	5	known	know	VERB
faba-184	70	6	as	as	ADP
faba-184	70	7	stokvels	stokvel	NOUN
faba-184	70	8	and	and	CCONJ
faba-184	70	9	are	be	AUX
faba-184	70	10	substitutes	substitute	NOUN
faba-184	70	11	for	for	ADP
faba-184	70	12	formal	formal	ADJ
faba-184	70	13	banks	bank	NOUN
faba-184	70	14	.	.	PUNCT
faba-184	71	1	stokvels	stokvel	NOUN
faba-184	71	2	are	be	AUX
faba-184	71	3	formed	form	VERB
faba-184	71	4	by	by	ADP
faba-184	71	5	groups	group	NOUN
faba-184	71	6	of	of	ADP
faba-184	71	7	friends	friend	NOUN
faba-184	71	8	to	to	PART
faba-184	71	9	encourage	encourage	VERB
faba-184	71	10	social	social	ADJ
faba-184	71	11	inclusion	inclusion	NOUN
faba-184	71	12	and	and	CCONJ
faba-184	71	13	poverty	poverty	NOUN
faba-184	71	14	alleviation	alleviation	NOUN
faba-184	71	15	(	(	PUNCT
faba-184	71	16	mashigo	mashigo	ADJ
faba-184	71	17	and	and	CCONJ
faba-184	71	18	kabir	kabir	PROPN
faba-184	71	19	2016	2016	NUM
faba-184	71	20	)	)	PUNCT
faba-184	71	21	.	.	PUNCT
faba-184	72	1	they	they	PRON
faba-184	72	2	provide	provide	VERB
faba-184	72	3	savings	saving	NOUN
faba-184	72	4	,	,	PUNCT
faba-184	72	5	credit	credit	NOUN
faba-184	72	6	and	and	CCONJ
faba-184	72	7	insurance	insurance	NOUN
faba-184	72	8	services	service	NOUN
faba-184	72	9	to	to	ADP
faba-184	72	10	households	household	NOUN
faba-184	72	11	.	.	PUNCT
faba-184	73	1	they	they	PRON
faba-184	73	2	are	be	AUX
faba-184	73	3	easy	easy	ADJ
faba-184	73	4	to	to	PART
faba-184	73	5	start	start	VERB
faba-184	73	6	up	up	ADP
faba-184	73	7	and	and	CCONJ
faba-184	73	8	banks	bank	NOUN
faba-184	73	9	have	have	VERB
faba-184	73	10	special	special	ADJ
faba-184	73	11	accounts	account	NOUN
faba-184	73	12	for	for	ADP
faba-184	73	13	group	group	NOUN
faba-184	73	14	schemes	scheme	NOUN
faba-184	73	15	(	(	PUNCT
faba-184	73	16	mashigo	mashigo	ADJ
faba-184	73	17	2012	2012	NUM
faba-184	73	18	)	)	PUNCT
faba-184	73	19	.	.	PUNCT
faba-184	74	1	a	a	DET
faba-184	74	2	schematic	schematic	ADJ
faba-184	74	3	framework	framework	NOUN
faba-184	74	4	of	of	ADP
faba-184	74	5	stokvels	stokvel	NOUN
faba-184	74	6	is	be	AUX
faba-184	74	7	presented	present	VERB
faba-184	74	8	in	in	ADP
faba-184	74	9	figure	figure	NOUN
faba-184	74	10	2	2	NUM
faba-184	74	11	below	below	ADV
faba-184	74	12	.	.	PUNCT
faba-184	75	1	source	source	NOUN
faba-184	75	2	:	:	PUNCT
faba-184	75	3	author	author	NOUN
faba-184	75	4	construction	construction	NOUN
faba-184	75	5	figure	figure	NOUN
faba-184	75	6	2	2	NUM
faba-184	75	7	.	.	PUNCT
faba-184	75	8	stokvel	stokvel	NOUN
faba-184	75	9	-	-	PUNCT
faba-184	75	10	conceptual	conceptual	ADJ
faba-184	75	11	framework	framework	NOUN
faba-184	75	12	snow	snow	NOUN
faba-184	75	13	and	and	CCONJ
faba-184	75	14	buss	buss	PROPN
faba-184	75	15	(	(	PUNCT
faba-184	75	16	2001	2001	NUM
faba-184	75	17	)	)	PUNCT
faba-184	75	18	view	view	NOUN
faba-184	75	19	microcredit	microcredit	NOUN
faba-184	75	20	as	as	ADP
faba-184	75	21	a	a	DET
faba-184	75	22	method	method	NOUN
faba-184	75	23	for	for	ADP
faba-184	75	24	linking	link	VERB
faba-184	75	25	the	the	DET
faba-184	75	26	formal	formal	ADJ
faba-184	75	27	and	and	CCONJ
faba-184	75	28	informal	informal	ADJ
faba-184	75	29	sectors	sector	NOUN
faba-184	75	30	of	of	ADP
faba-184	75	31	african	african	ADJ
faba-184	75	32	economies	economy	NOUN
faba-184	75	33	to	to	PART
faba-184	75	34	increase	increase	VERB
faba-184	75	35	the	the	DET
faba-184	75	36	reach	reach	NOUN
faba-184	75	37	of	of	ADP
faba-184	75	38	the	the	DET
faba-184	75	39	formal	formal	ADJ
faba-184	75	40	sector	sector	NOUN
faba-184	75	41	.	.	PUNCT
faba-184	76	1	however	however	ADV
faba-184	76	2	,	,	PUNCT
faba-184	76	3	according	accord	VERB
faba-184	76	4	to	to	ADP
faba-184	76	5	nawai	nawai	NOUN
faba-184	76	6	and	and	CCONJ
faba-184	76	7	shariff	shariff	PROPN
faba-184	76	8	(	(	PUNCT
faba-184	76	9	2010	2010	NUM
faba-184	76	10	)	)	PUNCT
faba-184	76	11	,	,	PUNCT
faba-184	76	12	loans	loan	NOUN
faba-184	76	13	given	give	VERB
faba-184	76	14	to	to	ADP
faba-184	76	15	the	the	DET
faba-184	76	16	poor	poor	ADJ
faba-184	76	17	are	be	AUX
faba-184	76	18	minimal	minimal	ADJ
faba-184	76	19	and	and	CCONJ
faba-184	76	20	are	be	AUX
faba-184	76	21	for	for	ADP
faba-184	76	22	a	a	DET
faba-184	76	23	short	short	ADJ
faba-184	76	24	-	-	PUNCT
faba-184	76	25	term	term	NOUN
faba-184	76	26	period	period	NOUN
faba-184	76	27	.	.	PUNCT
faba-184	77	1	collateral	collateral	NOUN
faba-184	77	2	is	be	AUX
faba-184	77	3	not	not	PART
faba-184	77	4	needed	need	VERB
faba-184	77	5	,	,	PUNCT
faba-184	77	6	and	and	CCONJ
faba-184	77	7	borrowers	borrower	NOUN
faba-184	77	8	are	be	AUX
faba-184	77	9	required	require	VERB
faba-184	77	10	to	to	PART
faba-184	77	11	make	make	VERB
faba-184	77	12	weekly	weekly	ADJ
faba-184	77	13	repayments	repayment	NOUN
faba-184	77	14	.	.	PUNCT
faba-184	78	1	similarly	similarly	ADV
faba-184	78	2	,	,	PUNCT
faba-184	78	3	ngcobo	ngcobo	ADJ
faba-184	78	4	and	and	CCONJ
faba-184	78	5	chisasa	chisasa	PROPN
faba-184	78	6	(	(	PUNCT
faba-184	78	7	2018	2018	NUM
faba-184	78	8	)	)	PUNCT
faba-184	78	9	study	study	VERB
faba-184	78	10	the	the	DET
faba-184	78	11	characteristics	characteristic	NOUN
faba-184	78	12	of	of	ADP
faba-184	78	13	credit	credit	NOUN
faba-184	78	14	instruments	instrument	NOUN
faba-184	78	15	issued	issue	VERB
faba-184	78	16	by	by	ADP
faba-184	78	17	stokvels	stokvel	NOUN
faba-184	78	18	savings	saving	NOUN
faba-184	78	19	to	to	ADP
faba-184	78	20	households	household	NOUN
faba-184	78	21	in	in	ADP
faba-184	78	22	south	south	PROPN
faba-184	78	23	africa	africa	PROPN
faba-184	78	24	.	.	PUNCT
faba-184	79	1	the	the	DET
faba-184	79	2	study	study	NOUN
faba-184	79	3	showed	show	VERB
faba-184	79	4	that	that	SCONJ
faba-184	79	5	stokvels	stokvel	NOUN
faba-184	79	6	savings	saving	NOUN
faba-184	79	7	issue	issue	NOUN
faba-184	79	8	short	short	ADJ
faba-184	79	9	-	-	PUNCT
faba-184	79	10	term	term	NOUN
faba-184	79	11	loans	loan	NOUN
faba-184	79	12	from	from	ADP
faba-184	79	13	less	less	ADJ
faba-184	79	14	than	than	ADP
faba-184	79	15	three	three	NUM
faba-184	79	16	to	to	PART
faba-184	79	17	six	six	NUM
faba-184	79	18	months	month	NOUN
faba-184	79	19	.	.	PUNCT
faba-184	80	1	thus	thus	ADV
faba-184	80	2	,	,	PUNCT
faba-184	80	3	participating	participate	VERB
faba-184	80	4	in	in	ADP
faba-184	80	5	a	a	DET
faba-184	80	6	stokvel	stokvel	NOUN
faba-184	80	7	enhances	enhance	VERB
faba-184	80	8	the	the	DET
faba-184	80	9	probability	probability	NOUN
faba-184	80	10	of	of	ADP
faba-184	80	11	accessing	access	VERB
faba-184	80	12	credit	credit	NOUN
faba-184	80	13	compared	compare	VERB
faba-184	80	14	to	to	ADP
faba-184	80	15	the	the	DET
faba-184	80	16	alternative	alternative	NOUN
faba-184	80	17	of	of	ADP
faba-184	80	18	accessing	access	VERB
faba-184	80	19	credit	credit	NOUN
faba-184	80	20	from	from	ADP
faba-184	80	21	banks	bank	NOUN
faba-184	80	22	and	and	CCONJ
faba-184	80	23	similar	similar	ADJ
faba-184	80	24	formal	formal	ADJ
faba-184	80	25	lenders	lender	NOUN
faba-184	80	26	.	.	PUNCT
faba-184	81	1	james	james	PROPN
faba-184	81	2	(	(	PUNCT
faba-184	81	3	2017	2017	NUM
faba-184	81	4	)	)	PUNCT
faba-184	81	5	examined	examine	VERB
faba-184	81	6	how	how	SCONJ
faba-184	81	7	group	group	NOUN
faba-184	81	8	lending	lending	NOUN
faba-184	81	9	can	can	AUX
faba-184	81	10	be	be	AUX
faba-184	81	11	used	use	VERB
faba-184	81	12	to	to	PART
faba-184	81	13	improve	improve	VERB
faba-184	81	14	access	access	NOUN
faba-184	81	15	to	to	ADP
faba-184	81	16	credit	credit	NOUN
faba-184	81	17	by	by	ADP
faba-184	81	18	households	household	NOUN
faba-184	81	19	.	.	PUNCT
faba-184	82	1	the	the	DET
faba-184	82	2	study	study	NOUN
faba-184	82	3	revealed	reveal	VERB
faba-184	82	4	that	that	SCONJ
faba-184	82	5	group	group	NOUN
faba-184	82	6	lending	lending	NOUN
faba-184	82	7	mechanisms	mechanism	NOUN
faba-184	82	8	improve	improve	VERB
faba-184	82	9	social	social	ADJ
faba-184	82	10	capital	capital	NOUN
faba-184	82	11	and	and	CCONJ
faba-184	82	12	reduce	reduce	VERB
faba-184	82	13	the	the	DET
faba-184	82	14	barriers	barrier	NOUN
faba-184	82	15	that	that	PRON
faba-184	82	16	deter	deter	VERB
faba-184	82	17	access	access	NOUN
faba-184	82	18	to	to	ADP
faba-184	82	19	credit	credit	NOUN
faba-184	82	20	.	.	PUNCT
faba-184	83	1	similarly	similarly	ADV
faba-184	83	2	,	,	PUNCT
faba-184	83	3	karlan	karlan	NOUN
faba-184	83	4	,	,	PUNCT
faba-184	83	5	savonitto	savonitto	NOUN
faba-184	83	6	,	,	PUNCT
faba-184	83	7	thuysbaert	thuysbaert	NOUN
faba-184	83	8	and	and	CCONJ
faba-184	83	9	udry	udry	ADJ
faba-184	83	10	(	(	PUNCT
faba-184	83	11	2017	2017	NUM
faba-184	83	12	)	)	PUNCT
faba-184	83	13	examined	examine	VERB
faba-184	83	14	savings	saving	NOUN
faba-184	83	15	-	-	PUNCT
faba-184	83	16	led	lead	VERB
faba-184	83	17	microfinance	microfinance	NOUN
faba-184	83	18	programmes	programme	NOUN
faba-184	83	19	in	in	ADP
faba-184	83	20	poor	poor	ADJ
faba-184	83	21	rural	rural	ADJ
faba-184	83	22	communities	community	NOUN
faba-184	83	23	in	in	ADP
faba-184	83	24	developing	develop	VERB
faba-184	83	25	countries	country	NOUN
faba-184	83	26	to	to	PART
faba-184	83	27	establish	establish	VERB
faba-184	83	28	groups	group	NOUN
faba-184	83	29	that	that	PRON
faba-184	83	30	save	save	VERB
faba-184	83	31	and	and	CCONJ
faba-184	83	32	then	then	ADV
faba-184	83	33	lend	lend	VERB
faba-184	83	34	out	out	ADP
faba-184	83	35	the	the	DET
faba-184	83	36	accumulated	accumulate	VERB
faba-184	83	37	savings	saving	NOUN
faba-184	83	38	to	to	ADP
faba-184	83	39	each	each	DET
faba-184	83	40	other	other	ADJ
faba-184	83	41	.	.	PUNCT
faba-184	84	1	their	their	PRON
faba-184	84	2	study	study	NOUN
faba-184	84	3	’s	’s	PART
faba-184	84	4	results	result	NOUN
faba-184	84	5	found	find	VERB
faba-184	84	6	that	that	SCONJ
faba-184	84	7	promoting	promote	VERB
faba-184	84	8	community	community	NOUN
faba-184	84	9	-	-	PUNCT
faba-184	84	10	based	base	VERB
faba-184	84	11	microfinance	microfinance	NOUN
faba-184	84	12	groups	group	NOUN
faba-184	84	13	leads	lead	VERB
faba-184	84	14	to	to	ADP
faba-184	84	15	an	an	DET
faba-184	84	16	improvement	improvement	NOUN
faba-184	84	17	in	in	ADP
faba-184	84	18	household	household	NOUN
faba-184	84	19	business	business	NOUN
faba-184	84	20	outcomes	outcome	NOUN
faba-184	84	21	and	and	CCONJ
faba-184	84	22	women	woman	NOUN
faba-184	84	23	’s	’s	PART
faba-184	84	24	empowerment	empowerment	NOUN
faba-184	84	25	.	.	PUNCT
faba-184	85	1	the	the	DET
faba-184	85	2	majority	majority	NOUN
faba-184	85	3	of	of	ADP
faba-184	85	4	the	the	DET
faba-184	85	5	world	world	NOUN
faba-184	85	6	’s	’s	PART
faba-184	85	7	poor	poor	ADJ
faba-184	85	8	live	live	ADV
faba-184	85	9	in	in	ADP
faba-184	85	10	rural	rural	ADJ
faba-184	85	11	areas	area	NOUN
faba-184	85	12	of	of	ADP
faba-184	85	13	developing	develop	VERB
faba-184	85	14	countries	country	NOUN
faba-184	85	15	with	with	ADP
faba-184	85	16	little	little	ADJ
faba-184	85	17	access	access	NOUN
faba-184	85	18	to	to	ADP
faba-184	85	19	financial	financial	ADJ
faba-184	85	20	services	service	NOUN
faba-184	85	21	.	.	PUNCT
faba-184	86	1	setting	set	VERB
faba-184	86	2	up	up	ADP
faba-184	86	3	village	village	NOUN
faba-184	86	4	savings	saving	NOUN
faba-184	86	5	and	and	CCONJ
faba-184	86	6	loan	loan	NOUN
faba-184	86	7	associations	association	NOUN
faba-184	86	8	(	(	PUNCT
faba-184	86	9	vslas	vsla	NOUN
faba-184	86	10	)	)	PUNCT
faba-184	86	11	has	have	AUX
faba-184	86	12	become	become	VERB
faba-184	86	13	an	an	DET
faba-184	86	14	increasingly	increasingly	ADV
faba-184	86	15	widespread	widespread	ADJ
faba-184	86	16	intervention	intervention	NOUN
faba-184	86	17	aimed	aim	VERB
faba-184	86	18	at	at	ADP
faba-184	86	19	improving	improve	VERB
faba-184	86	20	local	local	ADJ
faba-184	86	21	financial	financial	ADJ
faba-184	86	22	intermediation	intermediation	NOUN
faba-184	86	23	(	(	PUNCT
faba-184	86	24	ksoll	ksoll	PROPN
faba-184	86	25	,	,	PUNCT
faba-184	86	26	lilleor	lilleor	PROPN
faba-184	86	27	,	,	PUNCT
faba-184	86	28	lonborg	lonborg	PROPN
faba-184	86	29	and	and	CCONJ
faba-184	86	30	rasmussen	rasmussen	PROPN
faba-184	86	31	2016	2016	NUM
faba-184	86	32	)	)	PUNCT
faba-184	86	33	.	.	PUNCT
faba-184	87	1	habumuremyi	habumuremyi	PROPN
faba-184	87	2	,	,	PUNCT
faba-184	87	3	habamenshi	habamenshi	NOUN
faba-184	87	4	and	and	CCONJ
faba-184	87	5	mvunabo	mvunabo	PROPN
faba-184	87	6	(	(	PUNCT
faba-184	87	7	2019	2019	NUM
faba-184	87	8	)	)	PUNCT
faba-184	87	9	assessed	assess	VERB
faba-184	87	10	the	the	DET
faba-184	87	11	role	role	NOUN
faba-184	87	12	of	of	ADP
faba-184	87	13	vslas	vsla	NOUN
faba-184	87	14	in	in	ADP
faba-184	87	15	improving	improve	VERB
faba-184	87	16	the	the	DET
faba-184	87	17	social	social	ADJ
faba-184	87	18	economic	economic	ADJ
faba-184	87	19	development	development	NOUN
faba-184	87	20	of	of	ADP
faba-184	87	21	poor	poor	ADJ
faba-184	87	22	households	household	NOUN
faba-184	87	23	in	in	ADP
faba-184	87	24	murundi	murundi	ADJ
faba-184	87	25	sector	sector	NOUN
faba-184	87	26	in	in	ADP
faba-184	87	27	karongi	karongi	PROPN
faba-184	87	28	district	district	PROPN
faba-184	87	29	of	of	ADP
faba-184	87	30	rwanda	rwanda	PROPN
faba-184	87	31	.	.	PUNCT
faba-184	88	1	the	the	DET
faba-184	88	2	findings	finding	NOUN
faba-184	88	3	revealed	reveal	VERB
faba-184	88	4	that	that	SCONJ
faba-184	88	5	vsla	vsla	PROPN
faba-184	88	6	promotes	promote	VERB
faba-184	88	7	financial	financial	ADJ
faba-184	88	8	inclusion	inclusion	NOUN
faba-184	88	9	where	where	SCONJ
faba-184	88	10	the	the	DET
faba-184	88	11	loan	loan	NOUN
faba-184	88	12	is	be	AUX
faba-184	88	13	proportional	proportional	ADJ
faba-184	88	14	to	to	ADP
faba-184	88	15	savings	saving	NOUN
faba-184	88	16	.	.	PUNCT
faba-184	89	1	ksoll	ksoll	PROPN
faba-184	89	2	,	,	PUNCT
faba-184	89	3	lilleor	lilleor	PROPN
faba-184	89	4	,	,	PUNCT
faba-184	89	5	lonborg	lonborg	PROPN
faba-184	89	6	and	and	CCONJ
faba-184	89	7	rasmussen	rasmussen	PROPN
faba-184	89	8	(	(	PUNCT
faba-184	89	9	2016	2016	NUM
faba-184	89	10	)	)	PUNCT
faba-184	89	11	used	use	VERB
faba-184	89	12	a	a	DET
faba-184	89	13	cluster	cluster	NOUN
faba-184	89	14	randomised	randomise	VERB
faba-184	89	15	trial	trial	NOUN
faba-184	89	16	to	to	PART
faba-184	89	17	investigate	investigate	VERB
faba-184	89	18	the	the	DET
faba-184	89	19	impact	impact	NOUN
faba-184	89	20	of	of	ADP
faba-184	89	21	vslas	vsla	NOUN
faba-184	89	22	in	in	ADP
faba-184	89	23	northern	northern	PROPN
faba-184	89	24	malawi	malawi	PROPN
faba-184	89	25	over	over	ADP
faba-184	89	26	a	a	DET
faba-184	89	27	two	two	NUM
faba-184	89	28	-	-	PUNCT
faba-184	89	29	year	year	NOUN
faba-184	89	30	period	period	NOUN
faba-184	89	31	.	.	PUNCT
faba-184	90	1	their	their	PRON
faba-184	90	2	study	study	NOUN
faba-184	90	3	found	find	VERB
faba-184	90	4	evidence	evidence	NOUN
faba-184	90	5	of	of	ADP
faba-184	90	6	positive	positive	ADJ
faba-184	90	7	and	and	CCONJ
faba-184	90	8	significant	significant	ADJ
faba-184	90	9	intention	intention	NOUN
faba-184	90	10	to	to	PART
faba-184	90	11	increase	increase	VERB
faba-184	90	12	savings	saving	NOUN
faba-184	90	13	and	and	CCONJ
faba-184	90	14	credit	credit	NOUN
faba-184	90	15	obtained	obtain	VERB
faba-184	90	16	through	through	ADP
faba-184	90	17	the	the	DET
faba-184	90	18	vslas	vsla	NOUN
faba-184	90	19	,	,	PUNCT
faba-184	90	20	which	which	PRON
faba-184	90	21	has	have	AUX
faba-184	90	22	increased	increase	VERB
faba-184	90	23	agricultural	agricultural	ADJ
faba-184	90	24	investments	investment	NOUN
faba-184	90	25	and	and	CCONJ
faba-184	90	26	income	income	NOUN
faba-184	90	27	from	from	ADP
faba-184	90	28	small	small	ADJ
faba-184	90	29	businesses	business	NOUN
faba-184	90	30	.	.	PUNCT
faba-184	91	1	ngcobo	ngcobo	PROPN
faba-184	91	2	,	,	PUNCT
faba-184	91	3	chisasa	chisasa	NOUN
faba-184	91	4	and	and	CCONJ
faba-184	91	5	masetshaba	masetshaba	PROPN
faba-184	91	6	(	(	PUNCT
faba-184	91	7	2023	2023	NUM
faba-184	91	8	)	)	PUNCT
faba-184	91	9	established	establish	VERB
faba-184	91	10	the	the	DET
faba-184	91	11	presence	presence	NOUN
faba-184	91	12	of	of	ADP
faba-184	91	13	a	a	DET
faba-184	91	14	long	long	ADV
faba-184	91	15	-	-	PUNCT
faba-184	91	16	run	run	NOUN
faba-184	91	17	relationship	relationship	NOUN
faba-184	91	18	and	and	CCONJ
faba-184	91	19	causality	causality	NOUN
faba-184	91	20	between	between	ADP
faba-184	91	21	stokvel	stokvel	ADJ
faba-184	91	22	savings	saving	NOUN
faba-184	91	23	,	,	PUNCT
faba-184	91	24	money	money	NOUN
faba-184	91	25	supply	supply	NOUN
faba-184	91	26	,	,	PUNCT
faba-184	91	27	gross	gross	ADJ
faba-184	91	28	domestic	domestic	ADJ
faba-184	91	29	product	product	NOUN
faba-184	91	30	growth	growth	NOUN
faba-184	91	31	rate	rate	NOUN
faba-184	91	32	and	and	CCONJ
faba-184	91	33	banking	banking	NOUN
faba-184	91	34	sector	sector	NOUN
faba-184	91	35	liquidity	liquidity	NOUN
faba-184	91	36	in	in	ADP
faba-184	91	37	south	south	PROPN
faba-184	91	38	africa	africa	PROPN
faba-184	91	39	.	.	PUNCT
faba-184	92	1	applying	apply	VERB
faba-184	92	2	the	the	DET
faba-184	92	3	autoregressive	autoregressive	ADJ
faba-184	92	4	distributed	distribute	VERB
faba-184	92	5	lag	lag	NOUN
faba-184	92	6	(	(	PUNCT
faba-184	92	7	ardl	ardl	NOUN
faba-184	92	8	)	)	PUNCT
faba-184	92	9	and	and	CCONJ
faba-184	92	10	error	error	NOUN
faba-184	92	11	correction	correction	NOUN
faba-184	92	12	model	model	NOUN
faba-184	92	13	(	(	PUNCT
faba-184	92	14	ecm	ecm	NOUN
faba-184	92	15	)	)	PUNCT
faba-184	92	16	techniques	technique	NOUN
faba-184	92	17	on	on	ADP
faba-184	92	18	quarterly	quarterly	ADJ
faba-184	92	19	time	time	NOUN
faba-184	92	20	series	series	PROPN
faba-184	92	21	data	datum	NOUN
faba-184	92	22	for	for	ADP
faba-184	92	23	the	the	DET
faba-184	92	24	period	period	NOUN
faba-184	92	25	from	from	ADP
faba-184	92	26	1987q3	1987q3	NUM
faba-184	92	27	to	to	ADP
faba-184	92	28	2020q1	2020q1	NUM
faba-184	92	29	,	,	PUNCT
faba-184	92	30	the	the	DET
faba-184	92	31	study	study	NOUN
faba-184	92	32	reveals	reveal	VERB
faba-184	92	33	that	that	SCONJ
faba-184	92	34	in	in	ADP
faba-184	92	35	the	the	DET
faba-184	92	36	long	long	ADJ
faba-184	92	37	run	run	NOUN
faba-184	92	38	,	,	PUNCT
faba-184	92	39	stokvel	stokvel	ADJ
faba-184	92	40	savings	saving	NOUN
faba-184	92	41	and	and	CCONJ
faba-184	92	42	money	money	NOUN
faba-184	92	43	supply	supply	NOUN
faba-184	92	44	were	be	AUX
faba-184	92	45	found	find	VERB
faba-184	92	46	to	to	PART
faba-184	92	47	have	have	VERB
faba-184	92	48	a	a	DET
faba-184	92	49	negative	negative	ADJ
faba-184	92	50	relationship	relationship	NOUN
faba-184	92	51	with	with	ADP
faba-184	92	52	stokvel	stokvel	ADJ
faba-184	92	53	members	member	NOUN
faba-184	92	54	savings	saving	NOUN
faba-184	92	55	insurance	insurance	NOUN
faba-184	92	56	credit	credit	PROPN
faba-184	92	57	l.	l.	PROPN
faba-184	92	58	ngcobo	ngcobo	PROPN
faba-184	92	59	,	,	PUNCT
faba-184	92	60	j.	j.	PROPN
faba-184	92	61	chisasa	chisasa	PROPN
faba-184	92	62	,	,	PUNCT
faba-184	92	63	m.	m.	NOUN
faba-184	92	64	t.	t.	PROPN
faba-184	92	65	masetshaba	masetshaba	PROPN
faba-184	92	66	/	/	SYM
faba-184	92	67	finance	finance	NOUN
faba-184	92	68	,	,	PUNCT
faba-184	92	69	accounting	accounting	NOUN
faba-184	92	70	and	and	CCONJ
faba-184	92	71	business	business	NOUN
faba-184	92	72	analysis	analysis	NOUN
faba-184	92	73	,	,	PUNCT
faba-184	92	74	volume	volume	NOUN
faba-184	92	75	6	6	NUM
faba-184	92	76	,	,	PUNCT
faba-184	92	77	issue	issue	NOUN
faba-184	92	78	1	1	NUM
faba-184	92	79	,	,	PUNCT
faba-184	92	80	2024	2024	NUM
faba-184	92	81	90	90	NUM
faba-184	92	82	banking	banking	NOUN
faba-184	92	83	sector	sector	NOUN
faba-184	92	84	liquidity	liquidity	NOUN
faba-184	92	85	albeit	albeit	SCONJ
faba-184	92	86	insignificant	insignificant	ADJ
faba-184	92	87	,	,	PUNCT
faba-184	92	88	however	however	ADV
faba-184	92	89	,	,	PUNCT
faba-184	92	90	gross	gross	ADJ
faba-184	92	91	domestic	domestic	ADJ
faba-184	92	92	product	product	NOUN
faba-184	92	93	growth	growth	NOUN
faba-184	92	94	rate	rate	NOUN
faba-184	92	95	exhibited	exhibit	VERB
faba-184	92	96	a	a	DET
faba-184	92	97	negative	negative	ADJ
faba-184	92	98	and	and	CCONJ
faba-184	92	99	statistically	statistically	ADV
faba-184	92	100	significant	significant	ADJ
faba-184	92	101	relationship	relationship	NOUN
faba-184	92	102	at	at	ADP
faba-184	92	103	1	1	NUM
faba-184	92	104	%	%	NOUN
faba-184	92	105	.	.	PUNCT
faba-184	93	1	the	the	DET
faba-184	93	2	coefficient	coefficient	NOUN
faba-184	93	3	of	of	ADP
faba-184	93	4	the	the	DET
faba-184	93	5	error	error	NOUN
faba-184	93	6	correction	correction	NOUN
faba-184	93	7	model	model	NOUN
faba-184	93	8	(	(	PUNCT
faba-184	93	9	ecm(1	ecm(1	PROPN
faba-184	93	10	)	)	PUNCT
faba-184	93	11	)	)	PUNCT
faba-184	93	12	was	be	AUX
faba-184	93	13	,	,	PUNCT
faba-184	93	14	as	as	SCONJ
faba-184	93	15	expected	expect	VERB
faba-184	93	16	,	,	PUNCT
faba-184	93	17	negative	negative	ADJ
faba-184	93	18	and	and	CCONJ
faba-184	93	19	statistically	statistically	ADV
faba-184	93	20	significant	significant	ADJ
faba-184	93	21	thus	thus	ADV
faba-184	93	22	providing	provide	VERB
faba-184	93	23	evidence	evidence	NOUN
faba-184	93	24	of	of	ADP
faba-184	93	25	a	a	DET
faba-184	93	26	short	short	ADJ
faba-184	93	27	-	-	PUNCT
faba-184	93	28	run	run	NOUN
faba-184	93	29	relationship	relationship	NOUN
faba-184	93	30	.	.	PUNCT
faba-184	94	1	methods	method	NOUN
faba-184	94	2	this	this	DET
faba-184	94	3	study	study	NOUN
faba-184	94	4	used	use	VERB
faba-184	94	5	quarterly	quarterly	ADJ
faba-184	94	6	time	time	NOUN
faba-184	94	7	series	series	PROPN
faba-184	94	8	secondary	secondary	ADJ
faba-184	94	9	data	datum	NOUN
faba-184	94	10	ranging	range	VERB
faba-184	94	11	from	from	ADP
faba-184	94	12	2009q4	2009q4	NUM
faba-184	94	13	to	to	ADP
faba-184	94	14	2020q2	2020q2	NUM
faba-184	94	15	collected	collect	VERB
faba-184	94	16	from	from	ADP
faba-184	94	17	the	the	DET
faba-184	94	18	south	south	ADJ
faba-184	94	19	african	african	PROPN
faba-184	94	20	reserve	reserve	PROPN
faba-184	94	21	bank	bank	PROPN
faba-184	94	22	and	and	CCONJ
faba-184	94	23	old	old	ADJ
faba-184	94	24	mutual	mutual	ADJ
faba-184	94	25	south	south	PROPN
faba-184	94	26	africa	africa	PROPN
faba-184	94	27	.	.	PUNCT
faba-184	95	1	the	the	DET
faba-184	95	2	literature	literature	NOUN
faba-184	95	3	extensively	extensively	ADV
faba-184	95	4	demonstrated	demonstrate	VERB
faba-184	95	5	,	,	PUNCT
faba-184	95	6	from	from	ADP
faba-184	95	7	both	both	CCONJ
faba-184	95	8	empirical	empirical	ADJ
faba-184	95	9	and	and	CCONJ
faba-184	95	10	theoretical	theoretical	ADJ
faba-184	95	11	angles	angle	NOUN
faba-184	95	12	,	,	PUNCT
faba-184	95	13	that	that	PRON
faba-184	95	14	stokvels	stokvel	NOUN
faba-184	95	15	play	play	VERB
faba-184	95	16	a	a	DET
faba-184	95	17	significant	significant	ADJ
faba-184	95	18	role	role	NOUN
faba-184	95	19	in	in	ADP
faba-184	95	20	the	the	DET
faba-184	95	21	development	development	NOUN
faba-184	95	22	of	of	ADP
faba-184	95	23	the	the	DET
faba-184	95	24	bsl	bsl	PROPN
faba-184	95	25	.	.	PROPN
faba-184	95	26	equation	equation	NOUN
faba-184	95	27	1	1	NUM
faba-184	95	28	below	below	ADV
faba-184	95	29	is	be	AUX
faba-184	95	30	illustrative	illustrative	ADJ
faba-184	95	31	.	.	PUNCT
faba-184	96	1	bsl	bsl	X
faba-184	96	2	=	=	PRON
faba-184	96	3	𝑓(𝑆𝑇𝑂𝐾𝑆𝐴𝑉	𝑓(𝑆𝑇𝑂𝐾𝑆𝐴𝑉	PROPN
faba-184	96	4	,	,	PUNCT
faba-184	96	5	𝐺𝐷𝑃𝐺	𝐺𝐷𝑃𝐺	PROPN
faba-184	96	6	,	,	PUNCT
faba-184	96	7	𝑀3	𝑀3	NOUN
faba-184	96	8	)	)	PUNCT
faba-184	96	9	(	(	PUNCT
faba-184	96	10	1	1	X
faba-184	96	11	)	)	PUNCT
faba-184	96	12	the	the	DET
faba-184	96	13	following	follow	VERB
faba-184	96	14	general	general	ADJ
faba-184	96	15	econometric	econometric	ADJ
faba-184	96	16	model	model	NOUN
faba-184	96	17	represents	represent	VERB
faba-184	96	18	the	the	DET
faba-184	96	19	impact	impact	NOUN
faba-184	96	20	of	of	ADP
faba-184	96	21	stokvsav	stokvsav	NOUN
faba-184	96	22	on	on	ADP
faba-184	96	23	bsl	bsl	PROPN
faba-184	96	24	in	in	ADP
faba-184	96	25	south	south	PROPN
faba-184	96	26	africa	africa	PROPN
faba-184	96	27	(	(	PUNCT
faba-184	96	28	see	see	VERB
faba-184	96	29	equation	equation	NOUN
faba-184	96	30	2	2	NUM
faba-184	96	31	)	)	PUNCT
faba-184	96	32	.	.	PUNCT
faba-184	97	1	δbslt	δbslt	NOUN
faba-184	97	2	=	=	SYM
faba-184	97	3	β0	β0	PROPN
faba-184	97	4	+	+	CCONJ
faba-184	97	5	β1	β1	NOUN
faba-184	97	6	δlnstokvsavt	δlnstokvsavt	NOUN
faba-184	97	7	+	+	CCONJ
faba-184	97	8	∑	∑	PROPN
faba-184	97	9	xjt	xjt	PROPN
faba-184	97	10	n	n	PART
faba-184	97	11	j=1	j=1	NOUN
faba-184	98	1	+	+	CCONJ
faba-184	98	2	𝗎t	𝗎t	INTJ
faba-184	98	3	(	(	PUNCT
faba-184	98	4	2	2	NUM
faba-184	98	5	)	)	PUNCT
faba-184	98	6	where	where	SCONJ
faba-184	98	7	:	:	PUNCT
faba-184	98	8	stokvsav	stokvsav	PROPN
faba-184	98	9	stokvel	stokvel	ADJ
faba-184	98	10	savings	saving	NOUN
faba-184	98	11	xjt	xjt	PROPN
faba-184	98	12	vector	vector	NOUN
faba-184	98	13	of	of	ADP
faba-184	98	14	control	control	NOUN
faba-184	98	15	variables	variable	NOUN
faba-184	98	16	if	if	SCONJ
faba-184	98	17	𝛽1	𝛽1	NOUN
faba-184	98	18	≠0	≠0	VERB
faba-184	98	19	and	and	CCONJ
faba-184	98	20	have	have	VERB
faba-184	98	21	significance	significance	NOUN
faba-184	98	22	,	,	PUNCT
faba-184	98	23	meaning	mean	VERB
faba-184	98	24	there	there	PRON
faba-184	98	25	exists	exist	VERB
faba-184	98	26	a	a	DET
faba-184	98	27	break	break	NOUN
faba-184	98	28	-	-	PUNCT
faba-184	98	29	point	point	NOUN
faba-184	98	30	and	and	CCONJ
faba-184	98	31	the	the	DET
faba-184	98	32	impact	impact	NOUN
faba-184	98	33	of	of	ADP
faba-184	98	34	stokvsav	stokvsav	NOUN
faba-184	98	35	on	on	ADP
faba-184	98	36	bsl	bsl	PROPN
faba-184	98	37	is	be	AUX
faba-184	98	38	the	the	DET
faba-184	98	39	difference	difference	NOUN
faba-184	98	40	between	between	ADP
faba-184	98	41	the	the	DET
faba-184	98	42	two	two	NUM
faba-184	98	43	periods	period	NOUN
faba-184	98	44	.	.	PUNCT
faba-184	99	1	the	the	DET
faba-184	99	2	minimum	minimum	ADJ
faba-184	99	3	stokvel	stokvel	NOUN
faba-184	99	4	savings	saving	NOUN
faba-184	99	5	is	be	AUX
faba-184	99	6	𝛽0	𝛽0	ADJ
faba-184	99	7	in	in	ADP
faba-184	99	8	the	the	DET
faba-184	99	9	period	period	NOUN
faba-184	99	10	before	before	SCONJ
faba-184	99	11	the	the	DET
faba-184	99	12	break	break	NOUN
faba-184	99	13	-	-	PUNCT
faba-184	99	14	point	point	NOUN
faba-184	99	15	is	be	AUX
faba-184	99	16	(	(	PUNCT
faba-184	99	17	𝛽0	𝛽0	ADJ
faba-184	99	18	+	+	CCONJ
faba-184	99	19	𝛽1	𝛽1	NOUN
faba-184	99	20	)	)	PUNCT
faba-184	99	21	in	in	ADP
faba-184	99	22	the	the	DET
faba-184	99	23	period	period	NOUN
faba-184	99	24	after	after	ADP
faba-184	99	25	the	the	DET
faba-184	99	26	break	break	NOUN
faba-184	99	27	-	-	PUNCT
faba-184	99	28	point	point	NOUN
faba-184	99	29	.	.	PUNCT
faba-184	100	1	if	if	SCONJ
faba-184	100	2	𝛽3>0	𝛽3>0	NOUN
faba-184	100	3	and	and	CCONJ
faba-184	100	4	have	have	VERB
faba-184	100	5	significance	significance	NOUN
faba-184	100	6	,	,	PUNCT
faba-184	100	7	this	this	PRON
faba-184	100	8	implies	imply	VERB
faba-184	100	9	the	the	DET
faba-184	100	10	impact	impact	NOUN
faba-184	100	11	of	of	ADP
faba-184	100	12	stokvel	stokvel	ADJ
faba-184	100	13	savings	saving	NOUN
faba-184	100	14	on	on	ADP
faba-184	100	15	bsd	bsd	NOUN
faba-184	100	16	in	in	ADP
faba-184	100	17	the	the	DET
faba-184	100	18	period	period	NOUN
faba-184	100	19	after	after	SCONJ
faba-184	100	20	the	the	DET
faba-184	100	21	break	break	NOUN
faba-184	100	22	-	-	PUNCT
faba-184	100	23	point	point	NOUN
faba-184	100	24	is	be	AUX
faba-184	100	25	bigger	big	ADJ
faba-184	100	26	than	than	ADP
faba-184	100	27	the	the	DET
faba-184	100	28	effect	effect	NOUN
faba-184	100	29	in	in	ADP
faba-184	100	30	the	the	DET
faba-184	100	31	period	period	NOUN
faba-184	100	32	before	before	ADP
faba-184	100	33	the	the	DET
faba-184	100	34	break	break	NOUN
faba-184	100	35	-	-	PUNCT
faba-184	100	36	point	point	NOUN
faba-184	100	37	.	.	PUNCT
faba-184	101	1	autoregressive	autoregressive	ADJ
faba-184	101	2	distributed	distribute	VERB
faba-184	101	3	lag	lag	NOUN
faba-184	101	4	(	(	PUNCT
faba-184	101	5	ardl	ardl	NOUN
faba-184	101	6	)	)	PUNCT
faba-184	101	7	approach	approach	VERB
faba-184	101	8	the	the	DET
faba-184	101	9	study	study	NOUN
faba-184	101	10	employed	employ	VERB
faba-184	101	11	the	the	DET
faba-184	101	12	ardl	ardl	NOUN
faba-184	101	13	approach	approach	NOUN
faba-184	101	14	proposed	propose	VERB
faba-184	101	15	by	by	ADP
faba-184	101	16	pesaran	pesaran	NOUN
faba-184	101	17	,	,	PUNCT
faba-184	101	18	shin	shin	PROPN
faba-184	101	19	and	and	CCONJ
faba-184	101	20	smith	smith	PROPN
faba-184	101	21	(	(	PUNCT
faba-184	101	22	2001	2001	NUM
faba-184	101	23	)	)	PUNCT
faba-184	101	24	and	and	CCONJ
faba-184	101	25	longand	longand	PROPN
faba-184	101	26	short	short	ADJ
faba-184	101	27	-	-	PUNCT
faba-184	101	28	run	run	VERB
faba-184	101	29	estimations	estimation	NOUN
faba-184	101	30	econometric	econometric	ADJ
faba-184	101	31	approaches	approach	NOUN
faba-184	101	32	postulated	postulate	VERB
faba-184	101	33	by	by	ADP
faba-184	101	34	engle	engle	PROPN
faba-184	101	35	and	and	CCONJ
faba-184	101	36	granger	granger	PROPN
faba-184	101	37	(	(	PUNCT
faba-184	101	38	1987	1987	NUM
faba-184	101	39	)	)	PUNCT
faba-184	101	40	,	,	PUNCT
faba-184	101	41	johansen	johansen	PROPN
faba-184	101	42	and	and	CCONJ
faba-184	101	43	juselius	juselius	PROPN
faba-184	101	44	(	(	PUNCT
faba-184	101	45	1990	1990	NUM
faba-184	101	46	)	)	PUNCT
faba-184	101	47	,	,	PUNCT
faba-184	101	48	and	and	CCONJ
faba-184	101	49	johansen	johansen	PROPN
faba-184	101	50	(	(	PUNCT
faba-184	101	51	1996	1996	NUM
faba-184	101	52	)	)	PUNCT
faba-184	101	53	.	.	PUNCT
faba-184	102	1	the	the	DET
faba-184	102	2	ardl	ardl	NOUN
faba-184	102	3	models	model	NOUN
faba-184	102	4	are	be	AUX
faba-184	102	5	presented	present	VERB
faba-184	102	6	in	in	ADP
faba-184	102	7	equation	equation	NOUN
faba-184	102	8	[	[	X
faba-184	102	9	3	3	X
faba-184	102	10	]	]	PUNCT
faba-184	102	11	as	as	SCONJ
faba-184	102	12	follows	follow	VERB
faba-184	102	13	:	:	PUNCT
faba-184	102	14	𝛥𝐿𝑛𝐵𝑆𝐿𝑡	𝛥𝐿𝑛𝐵𝑆𝐿𝑡	PROPN
faba-184	102	15	=	=	PROPN
faba-184	102	16	𝛼0	𝛼0	PROPN
faba-184	102	17	+	+	CCONJ
faba-184	102	18	𝛽1	𝛽1	NOUN
faba-184	102	19	𝐼𝑛𝐵𝑆𝐿𝑡−1	𝐼𝑛𝐵𝑆𝐿𝑡−1	NOUN
faba-184	102	20	+	+	CCONJ
faba-184	102	21	𝛽2	𝛽2	PROPN
faba-184	102	22	𝑆𝑇𝑂𝐾𝑉𝑆𝐴𝑉𝑡−1	𝑆𝑇𝑂𝐾𝑉𝑆𝐴𝑉𝑡−1	PROPN
faba-184	102	23	+	+	SYM
faba-184	102	24	𝛽3	𝛽3	NOUN
faba-184	102	25	𝐺𝐷𝑃𝐺𝑡−1	𝐺𝐷𝑃𝐺𝑡−1	VERB
faba-184	102	26	+	+	CCONJ
faba-184	102	27	𝛽4	𝛽4	PROPN
faba-184	102	28	𝑀3𝑡−1	𝑀3𝑡−1	VERB
faba-184	102	29	+	+	CCONJ
faba-184	102	30	∑	∑	PROPN
faba-184	102	31	𝛼1𝑘	𝛼1𝑘	PROPN
faba-184	102	32	𝛥𝐼𝑛𝐵𝑆𝐿𝑡−𝑘	𝛥𝐼𝑛𝐵𝑆𝐿𝑡−𝑘	PROPN
faba-184	102	33	𝑚1	𝑚1	NOUN
faba-184	102	34	𝑘=0	𝑘=0	PROPN
faba-184	103	1	+	+	CCONJ
faba-184	103	2	∑	∑	SYM
faba-184	103	3	𝛼2𝑘	𝛼2𝑘	ADJ
faba-184	103	4	𝛥𝑆𝑇𝑂𝐾𝑉𝑆𝐴𝑉𝑡−𝑘	𝛥𝑆𝑇𝑂𝐾𝑉𝑆𝐴𝑉𝑡−𝑘	NOUN
faba-184	103	5	𝑚2	𝑚2	NOUN
faba-184	103	6	𝑘=0	𝑘=0	PUNCT
faba-184	103	7	+	+	CCONJ
faba-184	103	8	∑	∑	PART
faba-184	103	9	𝛼3𝑘	𝛼3𝑘	PROPN
faba-184	103	10	𝛥𝐺𝐷𝑃𝐺𝑡−𝑘	𝛥𝐺𝐷𝑃𝐺𝑡−𝑘	PROPN
faba-184	103	11	𝑚3	𝑚3	NOUN
faba-184	103	12	𝑘=0	𝑘=0	PROPN
faba-184	104	1	+	+	CCONJ
faba-184	104	2	∑	∑	SYM
faba-184	104	3	𝛼4𝑘	𝛼4𝑘	PROPN
faba-184	104	4	𝛥𝑀3𝑡−𝑘	𝛥𝑀3𝑡−𝑘	PROPN
faba-184	104	5	𝑚4	𝑚4	NOUN
faba-184	104	6	𝑘=0	𝑘=0	PROPN
faba-184	104	7	+	+	CCONJ
faba-184	104	8	𝜔𝑡	𝜔𝑡	PRON
faba-184	104	9	(	(	PUNCT
faba-184	104	10	3	3	NUM
faba-184	104	11	)	)	PUNCT
faba-184	104	12	where	where	SCONJ
faba-184	104	13	:	:	PUNCT
faba-184	104	14	δ	δ	PROPN
faba-184	104	15	first	first	ADJ
faba-184	104	16	difference	difference	NOUN
faba-184	104	17	β1	β1	PROPN
faba-184	104	18	,	,	PUNCT
faba-184	104	19	β2	β2	NOUN
faba-184	104	20	,	,	PUNCT
faba-184	104	21	β3	β3	VERB
faba-184	104	22	and	and	CCONJ
faba-184	104	23	β4	β4	PROPN
faba-184	104	24	-coefficients	-coefficient	NOUN
faba-184	104	25	of	of	ADP
faba-184	104	26	the	the	DET
faba-184	104	27	long	long	ADJ
faba-184	104	28	-	-	PUNCT
faba-184	104	29	run	run	NOUN
faba-184	104	30	impacts	impact	NOUN
faba-184	104	31	𝝰1	𝝰1	NOUN
faba-184	104	32	,	,	PUNCT
faba-184	104	33	𝝰2	𝝰2	PROPN
faba-184	104	34	,	,	PUNCT
faba-184	104	35	𝝰3	𝝰3	ADJ
faba-184	104	36	and	and	CCONJ
faba-184	104	37	𝝰4	𝝰4	NOUN
faba-184	104	38	coefficients	coefficient	NOUN
faba-184	104	39	of	of	ADP
faba-184	104	40	the	the	DET
faba-184	104	41	short	short	ADJ
faba-184	104	42	-	-	PUNCT
faba-184	104	43	run	run	NOUN
faba-184	104	44	impacts	impact	NOUN
faba-184	104	45	𝝎	𝝎	DET
faba-184	104	46	error	error	NOUN
faba-184	104	47	the	the	DET
faba-184	104	48	cointegration	cointegration	NOUN
faba-184	104	49	relationship	relationship	NOUN
faba-184	104	50	is	be	AUX
faba-184	104	51	estimated	estimate	VERB
faba-184	104	52	as	as	SCONJ
faba-184	104	53	follows	follow	VERB
faba-184	104	54	:	:	PUNCT
faba-184	104	55	the	the	DET
faba-184	104	56	long	long	ADV
faba-184	104	57	-	-	PUNCT
faba-184	104	58	run	run	VERB
faba-184	104	59	and	and	CCONJ
faba-184	104	60	short	short	ADJ
faba-184	104	61	-	-	PUNCT
faba-184	104	62	run	run	NOUN
faba-184	104	63	parameters	parameter	NOUN
faba-184	104	64	of	of	ADP
faba-184	104	65	the	the	DET
faba-184	104	66	equations	equation	NOUN
faba-184	104	67	are	be	AUX
faba-184	104	68	estimated	estimate	VERB
faba-184	104	69	once	once	SCONJ
faba-184	104	70	the	the	DET
faba-184	104	71	cointegrating	cointegrate	VERB
faba-184	104	72	relationship	relationship	NOUN
faba-184	104	73	has	have	AUX
faba-184	104	74	been	be	AUX
faba-184	104	75	detected	detect	VERB
faba-184	104	76	.	.	PUNCT
faba-184	105	1	the	the	DET
faba-184	105	2	cointegration	cointegration	NOUN
faba-184	105	3	relationship	relationship	NOUN
faba-184	105	4	is	be	AUX
faba-184	105	5	estimated	estimate	VERB
faba-184	105	6	as	as	SCONJ
faba-184	105	7	follows	follow	VERB
faba-184	105	8	:	:	PUNCT
faba-184	105	9	δbslt	δbslt	NOUN
faba-184	105	10	=	=	SYM
faba-184	105	11	β0	β0	PROPN
faba-184	105	12	+	+	X
faba-184	105	13	β1	β1	PROPN
faba-184	105	14	bslt−1	bslt−1	PROPN
faba-184	105	15	+	+	NOUN
faba-184	105	16	β2	β2	ADJ
faba-184	105	17	stokvsavt−1	stokvsavt−1	NOUN
faba-184	105	18	+	+	ADJ
faba-184	105	19	β3	β3	ADJ
faba-184	105	20	gdpgt−1	gdpgt−1	ADJ
faba-184	105	21	+	+	CCONJ
faba-184	105	22	β4	β4	PROPN
faba-184	105	23	m3t−1	m3t−1	PROPN
faba-184	105	24	+	+	CCONJ
faba-184	105	25	μt	μt	PROPN
faba-184	105	26	(	(	PUNCT
faba-184	105	27	4	4	NUM
faba-184	105	28	)	)	PUNCT
faba-184	105	29	stokvsavt	stokvsavt	NOUN
faba-184	106	1	=	=	NOUN
faba-184	106	2	stokvsav	stokvsav	NOUN
faba-184	106	3	+	+	X
faba-184	106	4	stokvsavt	stokvsavt	NOUN
faba-184	107	1	+	+	X
faba-184	107	2	+	+	X
faba-184	107	3	stokvsavt	stokvsavt	ADJ
faba-184	107	4	−	−	PROPN
faba-184	107	5	(	(	PUNCT
faba-184	107	6	5	5	NUM
faba-184	107	7	)	)	PUNCT
faba-184	107	8	gdpgt	gdpgt	NOUN
faba-184	107	9	=	=	SYM
faba-184	108	1	gdpg	gdpg	PROPN
faba-184	108	2	+	+	NUM
faba-184	108	3	gdpgt	gdpgt	NOUN
faba-184	108	4	+	+	X
faba-184	108	5	+	+	NUM
faba-184	108	6	gdpgt	gdpgt	NOUN
faba-184	108	7	−	−	X
faba-184	108	8	(	(	PUNCT
faba-184	108	9	6	6	NUM
faba-184	108	10	)	)	PUNCT
faba-184	108	11	m3	m3	PROPN
faba-184	108	12	t	t	NOUN
faba-184	108	13	=	=	SYM
faba-184	108	14	m3	m3	PROPN
faba-184	108	15	+	+	CCONJ
faba-184	108	16	m3	m3	PROPN
faba-184	108	17	t	t	NOUN
faba-184	108	18	+	+	CCONJ
faba-184	109	1	+	+	CCONJ
faba-184	109	2	m3	m3	PROPN
faba-184	109	3	t	t	NOUN
faba-184	109	4	−	−	PROPN
faba-184	109	5	(	(	PUNCT
faba-184	109	6	7	7	NUM
faba-184	109	7	)	)	PUNCT
faba-184	109	8	where	where	SCONJ
faba-184	109	9	stokvel	stokvel	ADJ
faba-184	109	10	savings	saving	NOUN
faba-184	109	11	control	control	NOUN
faba-184	109	12	variances	variance	NOUN
faba-184	109	13	are	be	AUX
faba-184	109	14	partial	partial	ADJ
faba-184	109	15	sum	sum	NOUN
faba-184	109	16	processes	process	NOUN
faba-184	109	17	of	of	ADP
faba-184	109	18	positive	positive	ADJ
faba-184	109	19	and	and	CCONJ
faba-184	109	20	negative	negative	ADJ
faba-184	109	21	changes	change	NOUN
faba-184	109	22	in	in	ADP
faba-184	109	23	independent	independent	ADJ
faba-184	109	24	variables	variable	NOUN
faba-184	109	25	obtained	obtain	VERB
faba-184	109	26	as	as	ADP
faba-184	109	27	follows	follow	VERB
faba-184	109	28	:	:	PUNCT
faba-184	109	29	neg(stokvsavt	neg(stokvsavt	X
faba-184	109	30	)	)	PUNCT
faba-184	109	31	=	=	SYM
faba-184	109	32	∑	∑	PUNCT
faba-184	109	33	stokvsav	stokvsav	VERB
faba-184	109	34	−	−	PROPN
faba-184	109	35	s	s	PART
faba-184	109	36	=	=	PUNCT
faba-184	109	37	∑	∑	PROPN
faba-184	109	38	min(δstokvsavs	min(δstokvsavs	PROPN
faba-184	109	39	t	t	PROPN
faba-184	109	40	s=0	s=0	PROPN
faba-184	109	41	,	,	PUNCT
faba-184	109	42	0	0	NUM
faba-184	109	43	)	)	PUNCT
faba-184	109	44	t	t	NOUN
faba-184	109	45	s=0	s=0	PROPN
faba-184	109	46	(	(	PUNCT
faba-184	109	47	8)	8)	NUM
faba-184	109	48	l.	l.	PROPN
faba-184	109	49	ngcobo	ngcobo	PROPN
faba-184	109	50	,	,	PUNCT
faba-184	109	51	j.	j.	PROPN
faba-184	109	52	chisasa	chisasa	PROPN
faba-184	109	53	,	,	PUNCT
faba-184	109	54	m.	m.	NOUN
faba-184	109	55	t.	t.	PROPN
faba-184	109	56	masetshaba	masetshaba	PROPN
faba-184	109	57	/	/	SYM
faba-184	109	58	finance	finance	NOUN
faba-184	109	59	,	,	PUNCT
faba-184	109	60	accounting	accounting	NOUN
faba-184	109	61	and	and	CCONJ
faba-184	109	62	business	business	NOUN
faba-184	109	63	analysis	analysis	NOUN
faba-184	109	64	,	,	PUNCT
faba-184	109	65	volume	volume	NOUN
faba-184	109	66	6	6	NUM
faba-184	109	67	,	,	PUNCT
faba-184	109	68	issue	issue	NOUN
faba-184	109	69	1	1	NUM
faba-184	109	70	,	,	PUNCT
faba-184	109	71	2024	2024	NUM
faba-184	109	72	91	91	NUM
faba-184	109	73	pos(stokvsavt	pos(stokvsavt	NOUN
faba-184	109	74	)	)	PUNCT
faba-184	109	75	=	=	PUNCT
faba-184	110	1	∑	∑	PUNCT
faba-184	110	2	stokvsav	stokvsav	VERB
faba-184	110	3	+	+	CCONJ
faba-184	110	4	s	s	PART
faba-184	110	5	=	=	PUNCT
faba-184	110	6	∑	∑	PROPN
faba-184	110	7	max(δstokvsavs	max(δstokvsavs	PROPN
faba-184	110	8	t	t	PROPN
faba-184	110	9	s=0	s=0	PROPN
faba-184	110	10	,	,	PUNCT
faba-184	110	11	0	0	NUM
faba-184	110	12	)	)	PUNCT
faba-184	110	13	t	t	NOUN
faba-184	110	14	s=0	s=0	PROPN
faba-184	110	15	(	(	PUNCT
faba-184	110	16	9	9	X
faba-184	110	17	)	)	PUNCT
faba-184	110	18	neg(gdpgt	neg(gdpgt	NOUN
faba-184	110	19	)	)	PUNCT
faba-184	110	20	=	=	SYM
faba-184	110	21	∑	∑	PUNCT
faba-184	110	22	gdpg	gdpg	VERB
faba-184	110	23	−	−	PROPN
faba-184	110	24	s	s	PART
faba-184	110	25	=	=	PUNCT
faba-184	110	26	∑	∑	PROPN
faba-184	110	27	min(δgdpgs	min(δgdpgs	PROPN
faba-184	110	28	t	t	PROPN
faba-184	110	29	s=0	s=0	PROPN
faba-184	110	30	,	,	PUNCT
faba-184	110	31	0	0	NUM
faba-184	110	32	)	)	PUNCT
faba-184	110	33	t	t	NOUN
faba-184	110	34	s=0	s=0	PROPN
faba-184	110	35	(	(	PUNCT
faba-184	110	36	10	10	NUM
faba-184	110	37	)	)	PUNCT
faba-184	110	38	pos(gdpgt	pos(gdpgt	NOUN
faba-184	110	39	)	)	PUNCT
faba-184	110	40	=	=	SYM
faba-184	110	41	∑	∑	PUNCT
faba-184	110	42	gdpg	gdpg	PROPN
faba-184	110	43	t	t	NOUN
faba-184	110	44	s	s	PART
faba-184	110	45	=	=	PUNCT
faba-184	110	46	∑	∑	PROPN
faba-184	110	47	max(δgdpgs	max(δgdpgs	PROPN
faba-184	110	48	t	t	PROPN
faba-184	110	49	s=0	s=0	PROPN
faba-184	110	50	,	,	PUNCT
faba-184	110	51	0	0	NUM
faba-184	110	52	)	)	PUNCT
faba-184	110	53	t	t	NOUN
faba-184	110	54	s=0	s=0	PROPN
faba-184	110	55	(	(	PUNCT
faba-184	110	56	11	11	NUM
faba-184	110	57	)	)	PUNCT
faba-184	110	58	neg(m3	neg(m3	PROPN
faba-184	110	59	t	t	NOUN
faba-184	110	60	)	)	PUNCT
faba-184	110	61	=	=	SYM
faba-184	110	62	∑	∑	PUNCT
faba-184	110	63	m3	m3	PROPN
faba-184	110	64	−	−	PROPN
faba-184	110	65	s	s	PART
faba-184	110	66	=	=	PUNCT
faba-184	110	67	∑	∑	PROPN
faba-184	110	68	min(δm3s	min(δm3s	PROPN
faba-184	110	69	t	t	PROPN
faba-184	110	70	s=0	s=0	PROPN
faba-184	110	71	,	,	PUNCT
faba-184	110	72	0	0	NUM
faba-184	110	73	)	)	PUNCT
faba-184	110	74	t	t	NOUN
faba-184	110	75	s=0	s=0	PROPN
faba-184	110	76	(	(	PUNCT
faba-184	110	77	12	12	NUM
faba-184	110	78	)	)	PUNCT
faba-184	110	79	pos(m3	pos(m3	PROPN
faba-184	110	80	t	t	NOUN
faba-184	110	81	)	)	PUNCT
faba-184	110	82	=	=	PUNCT
faba-184	111	1	∑	∑	PUNCT
faba-184	111	2	m3	m3	PROPN
faba-184	111	3	+	+	CCONJ
faba-184	111	4	s	s	PART
faba-184	111	5	=	=	SYM
faba-184	111	6	∑	∑	PROPN
faba-184	111	7	man(δm3s	man(δm3s	PROPN
faba-184	111	8	t	t	PROPN
faba-184	111	9	s=0	s=0	PROPN
faba-184	111	10	,	,	PUNCT
faba-184	111	11	0	0	NUM
faba-184	111	12	)	)	PUNCT
faba-184	111	13	t	t	NOUN
faba-184	111	14	s=0	s=0	PROPN
faba-184	111	15	(	(	PUNCT
faba-184	111	16	13	13	NUM
faba-184	111	17	)	)	PUNCT
faba-184	111	18	therefore	therefore	ADV
faba-184	111	19	,	,	PUNCT
faba-184	111	20	the	the	DET
faba-184	111	21	non	non	ADJ
faba-184	111	22	-	-	ADJ
faba-184	111	23	linear	linear	ADJ
faba-184	111	24	asymmetric	asymmetric	ADJ
faba-184	111	25	long	long	ADJ
faba-184	111	26	-	-	PUNCT
faba-184	111	27	run	run	VERB
faba-184	111	28	equilibrium	equilibrium	NOUN
faba-184	111	29	relationship	relationship	NOUN
faba-184	111	30	can	can	AUX
faba-184	111	31	be	be	AUX
faba-184	111	32	expressed	express	VERB
faba-184	111	33	as	as	ADP
faba-184	111	34	:	:	PUNCT
faba-184	111	35	bslt	bslt	X
faba-184	111	36	=	=	SYM
faba-184	111	37	pos	pos	PROPN
faba-184	111	38	+	+	CCONJ
faba-184	111	39	stokvsav	stokvsav	NOUN
faba-184	111	40	+	+	CCONJ
faba-184	111	41	s	s	PART
faba-184	111	42	+	+	X
faba-184	111	43	neg	neg	ADJ
faba-184	111	44	−	−	PROPN
faba-184	111	45	stokvsav	stokvsav	NOUN
faba-184	112	1	−	−	PROPN
faba-184	112	2	s	s	PART
faba-184	113	1	+	+	NUM
faba-184	113	2	𝚞t	𝚞t	INTJ
faba-184	113	3	(	(	PUNCT
faba-184	113	4	14	14	NUM
faba-184	113	5	)	)	PUNCT
faba-184	113	6	bslt	bslt	NOUN
faba-184	113	7	=	=	NOUN
faba-184	113	8	pos	pos	NOUN
faba-184	113	9	+	+	CCONJ
faba-184	113	10	gdpg	gdpg	ADJ
faba-184	113	11	+	+	CCONJ
faba-184	113	12	s	s	PART
faba-184	113	13	+	+	X
faba-184	113	14	neg	neg	NOUN
faba-184	113	15	−	−	NOUN
faba-184	113	16	gdpg	gdpg	NOUN
faba-184	113	17	−	−	PROPN
faba-184	113	18	s	s	PART
faba-184	113	19	+	+	NUM
faba-184	113	20	𝚞t	𝚞t	X
faba-184	113	21	(	(	PUNCT
faba-184	113	22	15	15	NUM
faba-184	113	23	)	)	PUNCT
faba-184	113	24	bslt	bslt	NOUN
faba-184	113	25	=	=	NOUN
faba-184	113	26	pos	pos	PROPN
faba-184	113	27	+	+	CCONJ
faba-184	113	28	m3	m3	PROPN
faba-184	114	1	+	+	CCONJ
faba-184	114	2	s	s	PART
faba-184	114	3	+	+	X
faba-184	114	4	neg	neg	NOUN
faba-184	114	5	−	−	PROPN
faba-184	114	6	m3	m3	PROPN
faba-184	114	7	−	−	PROPN
faba-184	114	8	s	s	PART
faba-184	114	9	+	+	X
faba-184	114	10	𝚞t	𝚞t	INTJ
faba-184	114	11	(	(	PUNCT
faba-184	114	12	16	16	NUM
faba-184	114	13	)	)	PUNCT
faba-184	114	14	nardl	nardl	NOUN
faba-184	114	15	model	model	NOUN
faba-184	114	16	,	,	PUNCT
faba-184	114	17	and	and	CCONJ
faba-184	114	18	non	non	ADJ
faba-184	114	19	-	-	ADJ
faba-184	114	20	linearity	linearity	NOUN
faba-184	114	21	is	be	AUX
faba-184	114	22	introduced	introduce	VERB
faba-184	114	23	through	through	ADP
faba-184	114	24	partial	partial	ADJ
faba-184	114	25	sum	sum	NOUN
faba-184	114	26	or	or	CCONJ
faba-184	114	27	cumulative	cumulative	ADJ
faba-184	114	28	sum	sum	NOUN
faba-184	114	29	concept	concept	NOUN
faba-184	114	30	included	include	VERB
faba-184	114	31	in	in	ADP
faba-184	114	32	generating	generate	VERB
faba-184	114	33	the	the	DET
faba-184	114	34	new	new	ADJ
faba-184	114	35	variables	variable	NOUN
faba-184	114	36	pos	pos	NOUN
faba-184	114	37	(	(	PUNCT
faba-184	114	38	+	+	NOUN
faba-184	114	39	)	)	PUNCT
faba-184	114	40	and	and	CCONJ
faba-184	114	41	neg	neg	VERB
faba-184	114	42	(	(	PUNCT
faba-184	114	43	-	-	PUNCT
faba-184	114	44	)	)	PUNCT
faba-184	114	45	,	,	PUNCT
faba-184	114	46	where	where	SCONJ
faba-184	114	47	all	all	DET
faba-184	114	48	variables	variable	NOUN
faba-184	114	49	(	(	PUNCT
faba-184	114	50	stokvsav	stokvsav	PROPN
faba-184	114	51	,	,	PUNCT
faba-184	114	52	gdpg	gdpg	ADJ
faba-184	114	53	and	and	CCONJ
faba-184	114	54	m3	m3	PROPN
faba-184	114	55	)	)	PUNCT
faba-184	114	56	are	be	AUX
faba-184	114	57	lag	lag	NOUN
faba-184	114	58	orders	order	NOUN
faba-184	114	59	.	.	PUNCT
faba-184	115	1	δbslt	δbslt	NOUN
faba-184	115	2	=	=	SYM
faba-184	116	1	α0	α0	PROPN
faba-184	117	1	+	+	CCONJ
faba-184	117	2	+	+	CCONJ
faba-184	117	3	∑	∑	PROPN
faba-184	117	4	α	α	PROPN
faba-184	117	5	1i	1i	NOUN
faba-184	117	6	δbslt−i	δbslt−i	NOUN
faba-184	117	7	p	p	X
faba-184	117	8	i=0	i=0	PROPN
faba-184	117	9	+	+	PROPN
faba-184	117	10	∑	∑	PROPN
faba-184	117	11	α	α	PRON
faba-184	117	12	2i	2i	NUM
faba-184	117	13	δneg(stokvsav)t−i	δneg(stokvsav)t−i	NOUN
faba-184	117	14	p	p	X
faba-184	117	15	i=0	i=0	PROPN
faba-184	117	16	+	+	PROPN
faba-184	117	17	∑	∑	PUNCT
faba-184	117	18	α	α	PRON
faba-184	117	19	3i	3i	NOUN
faba-184	117	20	δpos(stokvsav)t−i	δpos(stokvsav)t−i	ADP
faba-184	117	21	p	p	NOUN
faba-184	117	22	i=0	i=0	PROPN
faba-184	117	23	+	+	PROPN
faba-184	117	24	∑	∑	PROPN
faba-184	117	25	α	α	PROPN
faba-184	117	26	4i	4i	NOUN
faba-184	117	27	δneg(gdpg)t−i	δneg(gdpg)t−i	NOUN
faba-184	117	28	p	p	PROPN
faba-184	117	29	i=0	i=0	PROPN
faba-184	117	30	+	+	PROPN
faba-184	117	31	∑	∑	PROPN
faba-184	117	32	α	α	PROPN
faba-184	117	33	5i	5i	NUM
faba-184	117	34	δpos(gdpg)t−i	δpos(gdpg)t−i	NOUN
faba-184	117	35	p	p	X
faba-184	117	36	i=0	i=0	PROPN
faba-184	117	37	+	+	PROPN
faba-184	117	38	∑	∑	PROPN
faba-184	117	39	α	α	PROPN
faba-184	117	40	6i	6i	NOUN
faba-184	117	41	δneg(m3)t−i	δneg(m3)t−i	NOUN
faba-184	117	42	p	p	X
faba-184	117	43	i=0	i=0	PROPN
faba-184	117	44	+	+	PROPN
faba-184	117	45	∑	∑	PROPN
faba-184	117	46	α	α	PROPN
faba-184	117	47	7i	7i	PROPN
faba-184	117	48	δpos(m3)t−i	δpos(m3)t−i	NOUN
faba-184	117	49	p	p	X
faba-184	117	50	i=0	i=0	PROPN
faba-184	117	51	+	+	PROPN
faba-184	117	52	α	α	NOUN
faba-184	117	53	8i	8i	ADJ
faba-184	117	54	bslt−i	bslt−i	NOUN
faba-184	118	1	+	+	CCONJ
faba-184	118	2	α	α	PROPN
faba-184	118	3	9i	9i	NOUN
faba-184	118	4	neg(stokvsav)t−1	neg(stokvsav)t−1	NOUN
faba-184	119	1	+	+	X
faba-184	119	2	α	α	PROPN
faba-184	119	3	10i	10i	NOUN
faba-184	119	4	pos(stokvsav)t−1	pos(stokvsav)t−1	NOUN
faba-184	119	5	+	+	CCONJ
faba-184	119	6	α	α	PROPN
faba-184	119	7	11i	11i	NOUN
faba-184	120	1	neg(gdpg)t−1	neg(gdpg)t−1	PROPN
faba-184	120	2	+	+	CCONJ
faba-184	120	3	α	α	PROPN
faba-184	120	4	12i	12i	NOUN
faba-184	120	5	pos(gdpg)t−1	pos(gdpg)t−1	NOUN
faba-184	120	6	+	+	CCONJ
faba-184	120	7	α	α	NOUN
faba-184	120	8	13i	13i	X
faba-184	121	1	neg(m3)t−1	neg(m3)t−1	PROPN
faba-184	121	2	+	+	NUM
faba-184	121	3	α	α	PROPN
faba-184	121	4	14i	14i	X
faba-184	121	5	pos(m3)t−1	pos(m3)t−1	PROPN
faba-184	121	6	+	+	CCONJ
faba-184	121	7	ωt	ωt	PROPN
faba-184	121	8	(	(	PUNCT
faba-184	121	9	17	17	NUM
faba-184	121	10	)	)	PUNCT
faba-184	121	11	results	result	NOUN
faba-184	121	12	and	and	CCONJ
faba-184	121	13	discussion	discussion	NOUN
faba-184	121	14	unit	unit	NOUN
faba-184	121	15	root	root	NOUN
faba-184	121	16	test	test	NOUN
faba-184	121	17	with	with	ADP
faba-184	121	18	breakpoints	breakpoint	NOUN
faba-184	121	19	the	the	DET
faba-184	121	20	study	study	NOUN
faba-184	121	21	applies	apply	VERB
faba-184	121	22	the	the	DET
faba-184	121	23	structural	structural	ADJ
faba-184	121	24	break	break	NOUN
faba-184	121	25	method	method	NOUN
faba-184	121	26	for	for	ADP
faba-184	121	27	determining	determine	VERB
faba-184	121	28	the	the	DET
faba-184	121	29	time	time	NOUN
faba-184	121	30	series	series	NOUN
faba-184	121	31	properties	property	NOUN
faba-184	121	32	of	of	ADP
faba-184	121	33	the	the	DET
faba-184	121	34	variables	variable	NOUN
faba-184	121	35	investigated	investigate	VERB
faba-184	121	36	by	by	ADP
faba-184	121	37	the	the	DET
faba-184	121	38	adf	adf	PROPN
faba-184	121	39	test	test	NOUN
faba-184	121	40	.	.	PUNCT
faba-184	122	1	the	the	DET
faba-184	122	2	results	result	NOUN
faba-184	122	3	of	of	ADP
faba-184	122	4	unit	unit	NOUN
faba-184	122	5	root	root	NOUN
faba-184	122	6	tests	test	NOUN
faba-184	122	7	in	in	ADP
faba-184	122	8	levels	level	NOUN
faba-184	122	9	and	and	CCONJ
faba-184	122	10	at	at	ADP
faba-184	122	11	intercept	intercept	NOUN
faba-184	122	12	are	be	AUX
faba-184	122	13	presented	present	VERB
faba-184	122	14	in	in	ADP
faba-184	122	15	table	table	NOUN
faba-184	122	16	1	1	NUM
faba-184	122	17	.	.	PUNCT
faba-184	123	1	the	the	DET
faba-184	123	2	variable	variable	ADJ
faba-184	123	3	tests	test	NOUN
faba-184	123	4	were	be	AUX
faba-184	123	5	employed	employ	VERB
faba-184	123	6	for	for	ADP
faba-184	123	7	this	this	DET
faba-184	123	8	study	study	NOUN
faba-184	123	9	to	to	PART
faba-184	123	10	see	see	VERB
faba-184	123	11	whether	whether	SCONJ
faba-184	123	12	the	the	DET
faba-184	123	13	data	datum	NOUN
faba-184	123	14	was	be	AUX
faba-184	123	15	stationary	stationary	ADJ
faba-184	123	16	.	.	PUNCT
faba-184	124	1	the	the	DET
faba-184	124	2	test	test	NOUN
faba-184	124	3	is	be	AUX
faba-184	124	4	more	more	ADV
faba-184	124	5	robust	robust	ADJ
faba-184	124	6	to	to	ADP
faba-184	124	7	heterogeneity	heterogeneity	NOUN
faba-184	124	8	and	and	CCONJ
faba-184	124	9	unit	unit	NOUN
faba-184	124	10	roots	root	NOUN
faba-184	124	11	when	when	SCONJ
faba-184	124	12	under	under	ADP
faba-184	124	13	a	a	DET
faba-184	124	14	non	non	ADJ
faba-184	124	15	-	-	ADJ
faba-184	124	16	standard	standard	ADJ
faba-184	124	17	distribution	distribution	NOUN
faba-184	124	18	.	.	PUNCT
faba-184	125	1	the	the	DET
faba-184	125	2	variables	variable	NOUN
faba-184	125	3	were	be	AUX
faba-184	125	4	found	find	VERB
faba-184	125	5	to	to	PART
faba-184	125	6	be	be	AUX
faba-184	125	7	i(0	i(0	PROPN
faba-184	125	8	)	)	PUNCT
faba-184	125	9	and	and	CCONJ
faba-184	125	10	i(1	i(1	NOUN
faba-184	125	11	)	)	PUNCT
faba-184	125	12	,	,	PUNCT
faba-184	125	13	thus	thus	ADV
faba-184	125	14	confirming	confirm	VERB
faba-184	125	15	that	that	SCONJ
faba-184	125	16	variables	variable	NOUN
faba-184	125	17	that	that	PRON
faba-184	125	18	are	be	AUX
faba-184	125	19	i(2	i(2	PROPN
faba-184	125	20	)	)	PUNCT
faba-184	125	21	were	be	AUX
faba-184	125	22	not	not	PART
faba-184	125	23	present	present	ADJ
faba-184	125	24	.	.	PUNCT
faba-184	126	1	the	the	DET
faba-184	126	2	presence	presence	NOUN
faba-184	126	3	of	of	ADP
faba-184	126	4	i(2	i(2	PROPN
faba-184	126	5	)	)	PUNCT
faba-184	126	6	variables	variable	NOUN
faba-184	126	7	in	in	ADP
faba-184	126	8	the	the	DET
faba-184	126	9	model	model	NOUN
faba-184	126	10	would	would	AUX
faba-184	126	11	result	result	VERB
faba-184	126	12	in	in	ADP
faba-184	126	13	spurious	spurious	ADJ
faba-184	126	14	f	f	NOUN
faba-184	126	15	-	-	PUNCT
faba-184	126	16	statistics	statistic	NOUN
faba-184	126	17	since	since	SCONJ
faba-184	126	18	the	the	DET
faba-184	126	19	f	f	PROPN
faba-184	126	20	-	-	PUNCT
faba-184	126	21	statistics	statistic	NOUN
faba-184	126	22	computed	compute	VERB
faba-184	126	23	by	by	ADP
faba-184	126	24	pesaran	pesaran	NOUN
faba-184	126	25	,	,	PUNCT
faba-184	126	26	shin	shin	PROPN
faba-184	126	27	and	and	CCONJ
faba-184	126	28	smith	smith	PROPN
faba-184	126	29	(	(	PUNCT
faba-184	126	30	2001	2001	NUM
faba-184	126	31	)	)	PUNCT
faba-184	126	32	and	and	CCONJ
faba-184	126	33	nayaran	nayaran	NOUN
faba-184	126	34	(	(	PUNCT
faba-184	126	35	2005	2005	NUM
faba-184	126	36	)	)	PUNCT
faba-184	126	37	have	have	VERB
faba-184	126	38	their	their	PRON
faba-184	126	39	root	root	NOUN
faba-184	126	40	in	in	ADP
faba-184	126	41	the	the	DET
faba-184	126	42	presumption	presumption	NOUN
faba-184	126	43	that	that	SCONJ
faba-184	126	44	the	the	DET
faba-184	126	45	variables	variable	NOUN
faba-184	126	46	are	be	AUX
faba-184	126	47	i(0	i(0	PROPN
faba-184	126	48	)	)	PUNCT
faba-184	126	49	or	or	CCONJ
faba-184	126	50	i(1	i(1	NOUN
faba-184	126	51	)	)	PUNCT
faba-184	126	52	.	.	PUNCT
faba-184	127	1	the	the	DET
faba-184	127	2	results	result	NOUN
faba-184	127	3	of	of	ADP
faba-184	127	4	the	the	DET
faba-184	127	5	study	study	NOUN
faba-184	127	6	suggest	suggest	VERB
faba-184	127	7	that	that	SCONJ
faba-184	127	8	the	the	DET
faba-184	127	9	variables	variable	NOUN
faba-184	127	10	are	be	AUX
faba-184	127	11	mutually	mutually	ADV
faba-184	127	12	integrated	integrate	VERB
faba-184	127	13	in	in	ADP
faba-184	127	14	the	the	DET
faba-184	127	15	order	order	NOUN
faba-184	127	16	of	of	ADP
faba-184	127	17	either	either	DET
faba-184	127	18	zero	zero	NUM
faba-184	127	19	or	or	CCONJ
faba-184	127	20	one	one	NUM
faba-184	127	21	,	,	PUNCT
faba-184	127	22	or	or	CCONJ
faba-184	127	23	both	both	PRON
faba-184	127	24	,	,	PUNCT
faba-184	127	25	which	which	PRON
faba-184	127	26	supports	support	VERB
faba-184	127	27	the	the	DET
faba-184	127	28	conditions	condition	NOUN
faba-184	127	29	for	for	ADP
faba-184	127	30	the	the	DET
faba-184	127	31	use	use	NOUN
faba-184	127	32	of	of	ADP
faba-184	127	33	the	the	DET
faba-184	127	34	adf	adf	PROPN
faba-184	127	35	unit	unit	NOUN
faba-184	127	36	root	root	PROPN
faba-184	127	37	test	test	NOUN
faba-184	127	38	.	.	PUNCT
faba-184	128	1	table	table	NOUN
faba-184	128	2	1	1	NUM
faba-184	128	3	.	.	PUNCT
faba-184	129	1	stationarity	stationarity	NOUN
faba-184	129	2	tests	test	NOUN
faba-184	129	3	of	of	ADP
faba-184	129	4	variables	variable	NOUN
faba-184	129	5	using	use	VERB
faba-184	129	6	augmented	augment	VERB
faba-184	129	7	dickey	dickey	NOUN
faba-184	129	8	-	-	PUNCT
faba-184	129	9	fuller	full	ADJ
faba-184	129	10	(	(	PUNCT
faba-184	129	11	adf	adf	NOUN
faba-184	129	12	)	)	PUNCT
faba-184	129	13	unit	unit	NOUN
faba-184	129	14	root	root	NOUN
faba-184	129	15	variable	variable	ADJ
faba-184	129	16	trend	trend	NOUN
faba-184	129	17	intercept	intercept	NOUN
faba-184	129	18	trend	trend	NOUN
faba-184	129	19	and	and	CCONJ
faba-184	129	20	intercept	intercept	NOUN
faba-184	129	21	diagnosis	diagnosis	NOUN
faba-184	129	22	stationary	stationary	ADJ
faba-184	129	23	tests	test	NOUN
faba-184	129	24	of	of	ADP
faba-184	129	25	variables	variable	NOUN
faba-184	129	26	using	use	VERB
faba-184	129	27	augmented	augment	VERB
faba-184	129	28	dickey	dickey	NOUN
faba-184	129	29	-	-	PUNCT
faba-184	129	30	fuller	full	ADJ
faba-184	129	31	(	(	PUNCT
faba-184	129	32	adf	adf	NOUN
faba-184	129	33	)	)	PUNCT
faba-184	129	34	test	test	NOUN
faba-184	129	35	:	:	PUNCT
faba-184	129	36	trend	trend	NOUN
faba-184	129	37	specification	specification	NOUN
faba-184	129	38	:	:	PUNCT
faba-184	129	39	intercept	intercept	VERB
faba-184	129	40	only	only	ADV
faba-184	129	41	bsl	bsl	NOUN
faba-184	129	42	-5.282460	-5.282460	NOUN
faba-184	129	43	*	*	PUNCT
faba-184	129	44	*	*	PUNCT
faba-184	129	45	*	*	PUNCT
faba-184	129	46	i(0	i(0	NOUN
faba-184	129	47	)	)	PUNCT
faba-184	129	48	stokvsav	stokvsav	NOUN
faba-184	129	49	-4.600730	-4.600730	NOUN
faba-184	129	50	*	*	PUNCT
faba-184	130	1	*	*	PUNCT
faba-184	130	2	*	*	PUNCT
faba-184	130	3	i(0	i(0	PROPN
faba-184	130	4	)	)	PUNCT
faba-184	130	5	gdpg	gdpg	ADJ
faba-184	130	6	-6.394021	-6.394021	NOUN
faba-184	131	1	*	*	PUNCT
faba-184	131	2	*	*	PUNCT
faba-184	131	3	*	*	PUNCT
faba-184	131	4	i(0	i(0	PROPN
faba-184	131	5	)	)	PUNCT
faba-184	131	6	m3	m3	PROPN
faba-184	131	7	-7.126778	-7.126778	NOUN
faba-184	132	1	*	*	PUNCT
faba-184	132	2	*	*	PUNCT
faba-184	132	3	*	*	PUNCT
faba-184	132	4	i(1	i(1	NOUN
faba-184	132	5	)	)	PUNCT
faba-184	132	6	stationary	stationary	ADJ
faba-184	132	7	tests	test	NOUN
faba-184	132	8	of	of	ADP
faba-184	132	9	variables	variable	NOUN
faba-184	132	10	using	use	VERB
faba-184	132	11	augmented	augment	VERB
faba-184	132	12	dickey	dickey	NOUN
faba-184	132	13	-	-	PUNCT
faba-184	132	14	fuller	full	ADJ
faba-184	132	15	(	(	PUNCT
faba-184	132	16	adf	adf	NOUN
faba-184	132	17	)	)	PUNCT
faba-184	132	18	test	test	NOUN
faba-184	132	19	:	:	PUNCT
faba-184	132	20	trend	trend	NOUN
faba-184	132	21	specification	specification	NOUN
faba-184	132	22	:	:	PUNCT
faba-184	132	23	trend	trend	NOUN
faba-184	132	24	and	and	CCONJ
faba-184	132	25	intercept	intercept	NOUN
faba-184	132	26	bsl	bsl	NOUN
faba-184	132	27	-6.810936	-6.810936	NOUN
faba-184	132	28	*	*	PUNCT
faba-184	132	29	*	*	PUNCT
faba-184	132	30	*	*	PUNCT
faba-184	132	31	-6.753963	-6.753963	PROPN
faba-184	132	32	*	*	PUNCT
faba-184	132	33	*	*	PUNCT
faba-184	132	34	*	*	PUNCT
faba-184	132	35	-6.680936	-6.680936	ADJ
faba-184	133	1	*	*	PUNCT
faba-184	133	2	*	*	PUNCT
faba-184	133	3	*	*	PUNCT
faba-184	133	4	i(0	i(0	NOUN
faba-184	133	5	)	)	PUNCT
faba-184	133	6	stokvsav	stokvsav	NOUN
faba-184	134	1	-7.763481	-7.763481	NOUN
faba-184	135	1	*	*	PUNCT
faba-184	135	2	*	*	PUNCT
faba-184	135	3	*	*	NOUN
faba-184	135	4	-6.578931	-6.578931	NOUN
faba-184	135	5	*	*	ADJ
faba-184	135	6	*	*	PUNCT
faba-184	135	7	*	*	X
faba-184	135	8	-5.978431	-5.978431	PUNCT
faba-184	135	9	*	*	PUNCT
faba-184	135	10	*	*	PUNCT
faba-184	135	11	*	*	PUNCT
faba-184	135	12	i(0	i(0	PROPN
faba-184	135	13	)	)	PUNCT
faba-184	135	14	gdpg	gdpg	NOUN
faba-184	135	15	-17.42696	-17.42696	NOUN
faba-184	135	16	*	*	PUNCT
faba-184	135	17	*	*	PUNCT
faba-184	135	18	*	*	PUNCT
faba-184	135	19	-6.441841	-6.441841	NOUN
faba-184	135	20	*	*	PUNCT
faba-184	135	21	*	*	PUNCT
faba-184	135	22	*	*	PUNCT
faba-184	135	23	-8.182452	-8.182452	NOUN
faba-184	135	24	*	*	PUNCT
faba-184	135	25	*	*	PUNCT
faba-184	135	26	*	*	PUNCT
faba-184	135	27	i(0	i(0	PROPN
faba-184	135	28	)	)	PUNCT
faba-184	135	29	m3	m3	PROPN
faba-184	135	30	-4.210961	-4.210961	PROPN
faba-184	135	31	*	*	PUNCT
faba-184	135	32	*	*	PUNCT
faba-184	135	33	-5.328696	-5.328696	NOUN
faba-184	136	1	*	*	PUNCT
faba-184	136	2	*	*	PUNCT
faba-184	136	3	*	*	PUNCT
faba-184	136	4	-4.307545	-4.307545	ADJ
faba-184	136	5	*	*	PUNCT
faba-184	136	6	*	*	PUNCT
faba-184	136	7	i(0	i(0	NOUN
faba-184	136	8	)	)	PUNCT
faba-184	136	9	source	source	NOUN
faba-184	136	10	:	:	PUNCT
faba-184	136	11	author	author	NOUN
faba-184	136	12	’s	’s	PART
faba-184	136	13	own	own	ADJ
faba-184	136	14	compilation	compilation	NOUN
faba-184	136	15	from	from	ADP
faba-184	136	16	e	e	NOUN
faba-184	136	17	-	-	NOUN
faba-184	136	18	views	view	NOUN
faba-184	136	19	*	*	PUNCT
faba-184	136	20	*	*	PUNCT
faba-184	136	21	*	*	PUNCT
faba-184	136	22	;	;	PUNCT
faba-184	136	23	*	*	PUNCT
faba-184	136	24	*	*	PUNCT
faba-184	136	25	;	;	PUNCT
faba-184	136	26	*	*	VERB
faba-184	136	27	indicates	indicate	VERB
faba-184	136	28	that	that	SCONJ
faba-184	136	29	we	we	PRON
faba-184	136	30	reject	reject	VERB
faba-184	136	31	the	the	DET
faba-184	136	32	null	null	ADJ
faba-184	136	33	hypothesis	hypothesis	NOUN
faba-184	136	34	of	of	ADP
faba-184	136	35	unit	unit	NOUN
faba-184	136	36	root	root	NOUN
faba-184	136	37	tests	test	NOUN
faba-184	136	38	at	at	ADP
faba-184	136	39	1	1	NUM
faba-184	136	40	%	%	NOUN
faba-184	136	41	,	,	PUNCT
faba-184	136	42	5	5	NUM
faba-184	136	43	%	%	NOUN
faba-184	136	44	and	and	CCONJ
faba-184	136	45	10	10	NUM
faba-184	136	46	%	%	NOUN
faba-184	136	47	,	,	PUNCT
faba-184	136	48	respectively	respectively	ADV
faba-184	136	49	l.	l.	PROPN
faba-184	136	50	ngcobo	ngcobo	PROPN
faba-184	136	51	,	,	PUNCT
faba-184	136	52	j.	j.	PROPN
faba-184	136	53	chisasa	chisasa	PROPN
faba-184	136	54	,	,	PUNCT
faba-184	136	55	m.	m.	NOUN
faba-184	136	56	t.	t.	PROPN
faba-184	136	57	masetshaba	masetshaba	PROPN
faba-184	136	58	/	/	SYM
faba-184	136	59	finance	finance	NOUN
faba-184	136	60	,	,	PUNCT
faba-184	136	61	accounting	accounting	NOUN
faba-184	136	62	and	and	CCONJ
faba-184	136	63	business	business	NOUN
faba-184	136	64	analysis	analysis	NOUN
faba-184	136	65	,	,	PUNCT
faba-184	136	66	volume	volume	NOUN
faba-184	136	67	6	6	NUM
faba-184	136	68	,	,	PUNCT
faba-184	136	69	issue	issue	NOUN
faba-184	136	70	1	1	NUM
faba-184	136	71	,	,	PUNCT
faba-184	136	72	2024	2024	NUM
faba-184	136	73	92	92	NUM
faba-184	136	74	ardl	ardl	NOUN
faba-184	136	75	and	and	CCONJ
faba-184	136	76	non	non	ADJ
faba-184	136	77	-	-	ADJ
faba-184	136	78	linear	linear	ADJ
faba-184	136	79	ardl	ardl	NOUN
faba-184	136	80	long	long	ADV
faba-184	136	81	-	-	PUNCT
faba-184	136	82	run	run	NOUN
faba-184	136	83	results	result	NOUN
faba-184	136	84	:	:	PUNCT
faba-184	136	85	bounds	bound	VERB
faba-184	136	86	f	f	X
faba-184	136	87	-	-	PUNCT
faba-184	136	88	test	test	NOUN
faba-184	136	89	for	for	ADP
faba-184	136	90	cointegration	cointegration	NOUN
faba-184	136	91	ardl	ardl	NOUN
faba-184	136	92	long	long	ADV
faba-184	136	93	-	-	PUNCT
faba-184	136	94	run	run	NOUN
faba-184	136	95	results	result	NOUN
faba-184	136	96	:	:	PUNCT
faba-184	136	97	bounds	bound	VERB
faba-184	136	98	f	f	X
faba-184	136	99	-	-	PUNCT
faba-184	136	100	test	test	NOUN
faba-184	136	101	for	for	ADP
faba-184	136	102	cointegration	cointegration	NOUN
faba-184	136	103	table	table	NOUN
faba-184	136	104	2	2	NUM
faba-184	136	105	show	show	VERB
faba-184	136	106	that	that	SCONJ
faba-184	136	107	the	the	DET
faba-184	136	108	value	value	NOUN
faba-184	136	109	of	of	ADP
faba-184	136	110	the	the	DET
faba-184	136	111	f	f	NOUN
faba-184	136	112	-	-	PUNCT
faba-184	136	113	statistic	statistic	NOUN
faba-184	136	114	for	for	ADP
faba-184	136	115	all	all	DET
faba-184	136	116	three	three	NUM
faba-184	136	117	models	model	NOUN
faba-184	136	118	is	be	AUX
faba-184	136	119	greater	great	ADJ
faba-184	136	120	than	than	ADP
faba-184	136	121	the	the	DET
faba-184	136	122	upper	upper	ADV
faba-184	136	123	-	-	PUNCT
faba-184	136	124	bound	bind	VERB
faba-184	136	125	critical	critical	ADJ
faba-184	136	126	values	value	NOUN
faba-184	136	127	suggesting	suggest	VERB
faba-184	136	128	that	that	SCONJ
faba-184	136	129	the	the	DET
faba-184	136	130	null	null	ADJ
faba-184	136	131	hypothesis	hypothesis	NOUN
faba-184	136	132	can	can	AUX
faba-184	136	133	be	be	AUX
faba-184	136	134	rejected	reject	VERB
faba-184	136	135	.	.	PUNCT
faba-184	137	1	the	the	DET
faba-184	137	2	f	f	PROPN
faba-184	137	3	-	-	PUNCT
faba-184	137	4	statistics	statistic	NOUN
faba-184	137	5	were	be	AUX
faba-184	137	6	all	all	ADV
faba-184	137	7	significant	significant	ADJ
faba-184	137	8	at	at	ADP
faba-184	137	9	the	the	DET
faba-184	137	10	1	1	NUM
faba-184	137	11	%	%	NOUN
faba-184	137	12	level	level	NOUN
faba-184	137	13	.	.	PUNCT
faba-184	138	1	thus	thus	ADV
faba-184	138	2	,	,	PUNCT
faba-184	138	3	it	it	PRON
faba-184	138	4	can	can	AUX
faba-184	138	5	be	be	AUX
faba-184	138	6	concluded	conclude	VERB
faba-184	138	7	that	that	SCONJ
faba-184	138	8	there	there	PRON
faba-184	138	9	is	be	VERB
faba-184	138	10	a	a	DET
faba-184	138	11	long	long	ADV
faba-184	138	12	-	-	PUNCT
faba-184	138	13	run	run	NOUN
faba-184	138	14	relationship	relationship	NOUN
faba-184	138	15	between	between	ADP
faba-184	138	16	stokvsav	stokvsav	PROPN
faba-184	138	17	and	and	CCONJ
faba-184	138	18	bsl	bsl	NOUN
faba-184	138	19	.	.	PUNCT
faba-184	139	1	these	these	DET
faba-184	139	2	results	result	NOUN
faba-184	139	3	align	align	VERB
faba-184	139	4	with	with	ADP
faba-184	139	5	the	the	DET
faba-184	139	6	findings	finding	NOUN
faba-184	139	7	of	of	ADP
faba-184	139	8	khan	khan	PROPN
faba-184	139	9	and	and	CCONJ
faba-184	139	10	qayyum	qayyum	PROPN
faba-184	139	11	(	(	PUNCT
faba-184	139	12	2006	2006	NUM
faba-184	139	13	)	)	PUNCT
faba-184	139	14	.	.	PUNCT
faba-184	140	1	additionally	additionally	ADV
faba-184	140	2	,	,	PUNCT
faba-184	140	3	a	a	DET
faba-184	140	4	long	long	ADV
faba-184	140	5	-	-	PUNCT
faba-184	140	6	run	run	NOUN
faba-184	140	7	relationship	relationship	NOUN
faba-184	140	8	exists	exist	VERB
faba-184	140	9	between	between	ADP
faba-184	140	10	gdpg	gdpg	NOUN
faba-184	140	11	,	,	PUNCT
faba-184	140	12	m3	m3	PROPN
faba-184	140	13	and	and	CCONJ
faba-184	140	14	bsl	bsl	PROPN
faba-184	140	15	.	.	PROPN
faba-184	140	16	table	table	NOUN
faba-184	140	17	2	2	NUM
faba-184	140	18	.	.	NUM
faba-184	140	19	bounds	bound	VERB
faba-184	140	20	f	f	X
faba-184	140	21	-	-	PUNCT
faba-184	140	22	test	test	NOUN
faba-184	140	23	for	for	ADP
faba-184	140	24	ardl	ardl	NOUN
faba-184	140	25	cointegration	cointegration	NOUN
faba-184	140	26	dependent	dependent	ADJ
faba-184	140	27	variable	variable	ADJ
faba-184	140	28	independent	independent	ADJ
faba-184	140	29	variable	variable	ADJ
faba-184	140	30	f	f	NOUN
faba-184	140	31	-	-	PUNCT
faba-184	140	32	test	test	NOUN
faba-184	140	33	statistic	statistic	NOUN
faba-184	140	34	lower	low	ADJ
faba-184	140	35	and	and	CCONJ
faba-184	140	36	upperbounds	upperbound	VERB
faba-184	140	37	bsl	bsl	PROPN
faba-184	140	38	stkovsav	stkovsav	PROPN
faba-184	140	39	gdpg	gdpg	VERB
faba-184	140	40	m3	m3	PROPN
faba-184	140	41	16.03214	16.03214	NUM
faba-184	140	42	*	*	PUNCT
faba-184	140	43	*	*	PUNCT
faba-184	140	44	*	*	PUNCT
faba-184	140	45	4.45	4.45	NUM
faba-184	140	46	–	–	PUNCT
faba-184	140	47	6.36	6.36	NUM
faba-184	140	48	stokvsav	stokvsav	NOUN
faba-184	140	49	gdpg	gdpg	ADJ
faba-184	140	50	m3	m3	PROPN
faba-184	140	51	bsl	bsl	PROPN
faba-184	140	52	6.070329	6.070329	NUM
faba-184	140	53	*	*	PUNCT
faba-184	140	54	*	*	PUNCT
faba-184	140	55	*	*	PUNCT
faba-184	140	56	4.45	4.45	NUM
faba-184	140	57	-	-	SYM
faba-184	140	58	6.36	6.36	NUM
faba-184	140	59	gdpg	gdpg	ADJ
faba-184	140	60	stkvsa	stkvsa	NOUN
faba-184	140	61	m3	m3	PROPN
faba-184	140	62	bsl	bsl	PROPN
faba-184	140	63	9.043872	9.043872	NUM
faba-184	140	64	*	*	PUNCT
faba-184	140	65	*	*	PUNCT
faba-184	140	66	*	*	PUNCT
faba-184	140	67	4.45	4.45	NUM
faba-184	140	68	-	-	SYM
faba-184	140	69	6.36	6.36	NUM
faba-184	140	70	m3	m3	PROPN
faba-184	140	71	stkvsa	stkvsa	NOUN
faba-184	140	72	gdpg	gdpg	PROPN
faba-184	140	73	bsl	bsl	X
faba-184	140	74	4.281633	4.281633	NUM
faba-184	140	75	*	*	PUNCT
faba-184	140	76	*	*	PUNCT
faba-184	140	77	*	*	PUNCT
faba-184	140	78	4.66	4.66	NUM
faba-184	140	79	-	-	SYM
faba-184	140	80	3.2	3.2	NUM
faba-184	140	81	source	source	NOUN
faba-184	140	82	:	:	PUNCT
faba-184	140	83	author	author	NOUN
faba-184	140	84	’s	’s	PART
faba-184	140	85	own	own	ADJ
faba-184	140	86	compilations	compilation	NOUN
faba-184	140	87	,	,	PUNCT
faba-184	140	88	ardl	ardl	NOUN
faba-184	140	89	f	f	PROPN
faba-184	140	90	-	-	PUNCT
faba-184	140	91	statistic	statistic	ADJ
faba-184	140	92	values	value	NOUN
faba-184	140	93	are	be	AUX
faba-184	140	94	calculated	calculate	VERB
faba-184	140	95	by	by	ADP
faba-184	140	96	bounds	bound	NOUN
faba-184	140	97	testing	test	VERB
faba-184	140	98	approach	approach	NOUN
faba-184	140	99	source	source	NOUN
faba-184	140	100	:	:	PUNCT
faba-184	140	101	author	author	NOUN
faba-184	140	102	’s	’s	PART
faba-184	140	103	own	own	ADJ
faba-184	140	104	compilations	compilation	NOUN
faba-184	140	105	,	,	PUNCT
faba-184	140	106	data	datum	NOUN
faba-184	140	107	from	from	ADP
faba-184	140	108	sarb	sarb	PROPN
faba-184	140	109	&	&	CCONJ
faba-184	140	110	old	old	ADJ
faba-184	140	111	mutual	mutual	PROPN
faba-184	140	112	south	south	PROPN
faba-184	140	113	africa	africa	PROPN
faba-184	140	114	(	(	PUNCT
faba-184	140	115	2022	2022	NUM
faba-184	140	116	)	)	PUNCT
faba-184	140	117	non	non	ADJ
faba-184	140	118	-	-	ADJ
faba-184	140	119	linear	linear	ADJ
faba-184	140	120	ardl	ardl	NOUN
faba-184	140	121	long	long	ADV
faba-184	140	122	-	-	PUNCT
faba-184	140	123	run	run	NOUN
faba-184	140	124	results	result	NOUN
faba-184	140	125	:	:	PUNCT
faba-184	140	126	bounds	bound	VERB
faba-184	140	127	f	f	X
faba-184	140	128	-	-	PUNCT
faba-184	140	129	test	test	NOUN
faba-184	140	130	for	for	ADP
faba-184	140	131	cointegration	cointegration	NOUN
faba-184	140	132	results	result	NOUN
faba-184	140	133	revealed	reveal	VERB
faba-184	140	134	an	an	DET
faba-184	140	135	f	f	NOUN
faba-184	140	136	-	-	PUNCT
faba-184	140	137	statistic	statistic	NOUN
faba-184	140	138	lower	low	ADJ
faba-184	140	139	than	than	ADP
faba-184	140	140	the	the	DET
faba-184	140	141	lower	lower	ADV
faba-184	140	142	bound	bind	VERB
faba-184	140	143	and	and	CCONJ
faba-184	140	144	were	be	AUX
faba-184	140	145	statistically	statistically	ADV
faba-184	140	146	significant	significant	ADJ
faba-184	140	147	.	.	PUNCT
faba-184	141	1	this	this	PRON
faba-184	141	2	implies	imply	VERB
faba-184	141	3	that	that	SCONJ
faba-184	141	4	the	the	DET
faba-184	141	5	null	null	ADJ
faba-184	141	6	hypothesis	hypothesis	NOUN
faba-184	141	7	of	of	ADP
faba-184	141	8	no	no	DET
faba-184	141	9	cointegration	cointegration	NOUN
faba-184	141	10	was	be	AUX
faba-184	141	11	accepted	accept	VERB
faba-184	141	12	as	as	SCONJ
faba-184	141	13	the	the	DET
faba-184	141	14	f	f	NOUN
faba-184	141	15	-	-	PUNCT
faba-184	141	16	statistic	statistic	NOUN
faba-184	141	17	lay	lie	VERB
faba-184	141	18	below	below	ADP
faba-184	141	19	the	the	DET
faba-184	141	20	lower	low	ADJ
faba-184	141	21	bound	bind	VERB
faba-184	141	22	of	of	ADP
faba-184	141	23	the	the	DET
faba-184	141	24	f	f	NOUN
faba-184	141	25	-	-	PUNCT
faba-184	141	26	statistic	statistic	NOUN
faba-184	141	27	.	.	PUNCT
faba-184	142	1	thus	thus	ADV
faba-184	142	2	,	,	PUNCT
faba-184	142	3	it	it	PRON
faba-184	142	4	was	be	AUX
faba-184	142	5	concluded	conclude	VERB
faba-184	142	6	that	that	SCONJ
faba-184	142	7	there	there	PRON
faba-184	142	8	is	be	VERB
faba-184	142	9	no	no	DET
faba-184	142	10	long	long	ADV
faba-184	142	11	-	-	PUNCT
faba-184	142	12	run	run	NOUN
faba-184	142	13	relationship	relationship	NOUN
faba-184	142	14	between	between	ADP
faba-184	142	15	bsl	bsl	PROPN
faba-184	142	16	and	and	CCONJ
faba-184	142	17	its	its	PRON
faba-184	142	18	explanatory	explanatory	ADJ
faba-184	142	19	variables	variable	NOUN
faba-184	142	20	.	.	PUNCT
faba-184	143	1	when	when	SCONJ
faba-184	143	2	stokvsav	stokvsav	PROPN
faba-184	143	3	and	and	CCONJ
faba-184	143	4	gdpg	gdpg	PROPN
faba-184	143	5	were	be	AUX
faba-184	143	6	used	use	VERB
faba-184	143	7	as	as	ADP
faba-184	143	8	dependent	dependent	ADJ
faba-184	143	9	variables	variable	NOUN
faba-184	143	10	,	,	PUNCT
faba-184	143	11	the	the	DET
faba-184	143	12	f	f	NOUN
faba-184	143	13	-	-	PUNCT
faba-184	143	14	statistics	statistic	NOUN
faba-184	143	15	of	of	ADP
faba-184	143	16	67.82906	67.82906	NUM
faba-184	143	17	and	and	CCONJ
faba-184	143	18	7.074817	7.074817	NUM
faba-184	143	19	,	,	PUNCT
faba-184	143	20	respectively	respectively	ADV
faba-184	143	21	,	,	PUNCT
faba-184	143	22	were	be	AUX
faba-184	143	23	found	find	VERB
faba-184	143	24	to	to	PART
faba-184	143	25	be	be	AUX
faba-184	143	26	greater	great	ADJ
faba-184	143	27	than	than	ADP
faba-184	143	28	the	the	DET
faba-184	143	29	upper	upper	ADJ
faba-184	143	30	bounds	bound	NOUN
faba-184	143	31	,	,	PUNCT
faba-184	143	32	suggesting	suggest	VERB
faba-184	143	33	the	the	DET
faba-184	143	34	presence	presence	NOUN
faba-184	143	35	of	of	ADP
faba-184	143	36	a	a	DET
faba-184	143	37	long	long	ADV
faba-184	143	38	-	-	PUNCT
faba-184	143	39	run	run	NOUN
faba-184	143	40	relationship	relationship	NOUN
faba-184	143	41	between	between	ADP
faba-184	143	42	the	the	DET
faba-184	143	43	dependent	dependent	ADJ
faba-184	143	44	variables	variable	NOUN
faba-184	143	45	and	and	CCONJ
faba-184	143	46	their	their	PRON
faba-184	143	47	predictors	predictor	NOUN
faba-184	143	48	.	.	PUNCT
faba-184	144	1	thus	thus	ADV
faba-184	144	2	,	,	PUNCT
faba-184	144	3	the	the	DET
faba-184	144	4	null	null	ADJ
faba-184	144	5	hypothesis	hypothesis	NOUN
faba-184	144	6	of	of	ADP
faba-184	144	7	no	no	DET
faba-184	144	8	cointegration	cointegration	NOUN
faba-184	144	9	was	be	AUX
faba-184	144	10	rejected	reject	VERB
faba-184	144	11	.	.	PUNCT
faba-184	145	1	however	however	ADV
faba-184	145	2	,	,	PUNCT
faba-184	145	3	the	the	DET
faba-184	145	4	same	same	ADJ
faba-184	145	5	could	could	AUX
faba-184	145	6	not	not	PART
faba-184	145	7	be	be	AUX
faba-184	145	8	said	say	VERB
faba-184	145	9	about	about	ADP
faba-184	145	10	the	the	DET
faba-184	145	11	relationship	relationship	NOUN
faba-184	145	12	between	between	ADP
faba-184	145	13	stovsav	stovsav	PROPN
faba-184	145	14	,	,	PUNCT
faba-184	145	15	gdpg	gdpg	NOUN
faba-184	145	16	and	and	CCONJ
faba-184	145	17	m3	m3	PROPN
faba-184	145	18	.	.	PUNCT
faba-184	146	1	the	the	DET
faba-184	146	2	f	f	NOUN
faba-184	146	3	-	-	PUNCT
faba-184	146	4	statistic	statistic	NOUN
faba-184	146	5	of	of	ADP
faba-184	146	6	3.613920	3.613920	NUM
faba-184	146	7	was	be	AUX
faba-184	146	8	found	find	VERB
faba-184	146	9	to	to	PART
faba-184	146	10	be	be	AUX
faba-184	146	11	between	between	ADP
faba-184	146	12	the	the	DET
faba-184	146	13	upper	upper	ADJ
faba-184	146	14	and	and	CCONJ
faba-184	146	15	lower	low	ADJ
faba-184	146	16	bounds	bound	NOUN
faba-184	146	17	,	,	PUNCT
faba-184	146	18	implying	imply	VERB
faba-184	146	19	that	that	SCONJ
faba-184	146	20	the	the	DET
faba-184	146	21	relationship	relationship	NOUN
faba-184	146	22	is	be	AUX
faba-184	146	23	inconclusive	inconclusive	ADJ
faba-184	146	24	.	.	PUNCT
faba-184	147	1	the	the	DET
faba-184	147	2	f	f	PROPN
faba-184	147	3	-	-	PUNCT
faba-184	147	4	statistics	statistic	NOUN
faba-184	147	5	were	be	AUX
faba-184	147	6	statistically	statistically	ADV
faba-184	147	7	significant	significant	ADJ
faba-184	147	8	at	at	ADP
faba-184	147	9	1	1	NUM
faba-184	147	10	%	%	NOUN
faba-184	147	11	in	in	ADP
faba-184	147	12	all	all	DET
faba-184	147	13	four	four	NUM
faba-184	147	14	cases	case	NOUN
faba-184	147	15	.	.	PUNCT
faba-184	148	1	table	table	NOUN
faba-184	148	2	3	3	NUM
faba-184	148	3	.	.	PUNCT
faba-184	149	1	banking	banking	NOUN
faba-184	149	2	sector	sector	NOUN
faba-184	149	3	liquidity	liquidity	PROPN
faba-184	149	4	bsl	bsl	PROPN
faba-184	149	5	bsl	bsl	PROPN
faba-184	149	6	stokvsav	stokvsav	PROPN
faba-184	149	7	gdpg	gdpg	PROPN
faba-184	149	8	m3	m3	PROPN
faba-184	149	9	1.398563	1.398563	NUM
faba-184	149	10	*	*	PUNCT
faba-184	149	11	*	*	PUNCT
faba-184	149	12	*	*	PUNCT
faba-184	149	13	2.53	2.53	NUM
faba-184	149	14	-	-	SYM
faba-184	149	15	3.59	3.59	NUM
faba-184	149	16	stokvsav	stokvsav	NOUN
faba-184	149	17	bsl	bsl	PROPN
faba-184	149	18	gdpg3	gdpg3	PROPN
faba-184	149	19	m3	m3	PROPN
faba-184	149	20	67.89206	67.89206	NUM
faba-184	149	21	*	*	PUNCT
faba-184	149	22	*	*	PUNCT
faba-184	149	23	*	*	PUNCT
faba-184	149	24	3.59	3.59	NUM
faba-184	149	25	-	-	SYM
faba-184	149	26	4.9	4.9	NUM
faba-184	149	27	gdpg	gdpg	ADJ
faba-184	149	28	bsl	bsl	NOUN
faba-184	149	29	stkvsa	stkvsa	NOUN
faba-184	149	30	m3	m3	PROPN
faba-184	149	31	7.074817	7.074817	NUM
faba-184	149	32	*	*	PUNCT
faba-184	149	33	*	*	PUNCT
faba-184	149	34	*	*	PUNCT
faba-184	149	35	3.59	3.59	NUM
faba-184	149	36	-	-	SYM
faba-184	149	37	4.38	4.38	NUM
faba-184	149	38	m3	m3	PROPN
faba-184	149	39	bsl	bsl	PROPN
faba-184	149	40	stkvsa	stkvsa	PROPN
faba-184	149	41	gdpg	gdpg	VERB
faba-184	149	42	3.613920	3.613920	NUM
faba-184	149	43	*	*	PUNCT
faba-184	149	44	*	*	PUNCT
faba-184	149	45	*	*	PUNCT
faba-184	149	46	3.2	3.2	NUM
faba-184	149	47	-	-	SYM
faba-184	149	48	4.66	4.66	NUM
faba-184	149	49	note	note	NOUN
faba-184	149	50	:	:	PUNCT
faba-184	149	51	f	f	X
faba-184	149	52	-	-	PUNCT
faba-184	149	53	statistic	statistic	ADJ
faba-184	149	54	values	value	NOUN
faba-184	149	55	are	be	AUX
faba-184	149	56	calculated	calculate	VERB
faba-184	149	57	by	by	ADP
faba-184	149	58	bounds	bound	NOUN
faba-184	149	59	testing	test	VERB
faba-184	149	60	approach	approach	NOUN
faba-184	149	61	by	by	ADP
faba-184	149	62	pesaran	pesaran	NOUN
faba-184	149	63	,	,	PUNCT
faba-184	149	64	shin	shin	PROPN
faba-184	149	65	and	and	CCONJ
faba-184	149	66	smith	smith	PROPN
faba-184	149	67	(	(	PUNCT
faba-184	149	68	2001	2001	NUM
faba-184	149	69	)	)	PUNCT
faba-184	149	70	and	and	CCONJ
faba-184	149	71	shin	shin	PROPN
faba-184	149	72	,	,	PUNCT
faba-184	149	73	yu	yu	PROPN
faba-184	149	74	and	and	CCONJ
faba-184	149	75	greenwood	greenwood	PROPN
faba-184	149	76	-	-	PUNCT
faba-184	149	77	nimmo	nimmo	PROPN
faba-184	149	78	(	(	PUNCT
faba-184	149	79	2014	2014	NUM
faba-184	149	80	)	)	PUNCT
faba-184	149	81	.	.	PUNCT
faba-184	150	1	the	the	DET
faba-184	150	2	null	null	ADJ
faba-184	150	3	hypothesis	hypothesis	NOUN
faba-184	150	4	of	of	ADP
faba-184	150	5	asymmetric	asymmetric	ADJ
faba-184	150	6	cointegration	cointegration	NOUN
faba-184	150	7	is	be	AUX
faba-184	150	8	p	p	NOUN
faba-184	150	9	=	=	X
faba-184	150	10	ɵ+	ɵ+	PUNCT
faba-184	150	11	=	=	SYM
faba-184	150	12	ɵ−	ɵ−	VERB
faba-184	150	13	=	=	SYM
faba-184	150	14	0	0	NUM
faba-184	150	15	asymmetric	asymmetric	ADJ
faba-184	150	16	non	non	ADJ
faba-184	150	17	-	-	ADJ
faba-184	150	18	linear	linear	ADJ
faba-184	150	19	ardl	ardl	NOUN
faba-184	150	20	long	long	ADV
faba-184	150	21	-	-	PUNCT
faba-184	150	22	run	run	NOUN
faba-184	150	23	results	result	VERB
faba-184	150	24	the	the	DET
faba-184	150	25	presence	presence	NOUN
faba-184	150	26	of	of	ADP
faba-184	150	27	asymmetry	asymmetry	NOUN
faba-184	150	28	in	in	ADP
faba-184	150	29	the	the	DET
faba-184	150	30	long	long	ADV
faba-184	150	31	-	-	PUNCT
faba-184	150	32	run	run	VERB
faba-184	150	33	equilibrium	equilibrium	NOUN
faba-184	150	34	due	due	ADP
faba-184	150	35	to	to	ADP
faba-184	150	36	negative	negative	ADJ
faba-184	150	37	and	and	CCONJ
faba-184	150	38	positive	positive	ADJ
faba-184	150	39	shocks	shock	NOUN
faba-184	150	40	in	in	ADP
faba-184	150	41	stokvel	stokvel	ADJ
faba-184	150	42	savings	saving	NOUN
faba-184	150	43	was	be	AUX
faba-184	150	44	examined	examine	VERB
faba-184	150	45	.	.	PUNCT
faba-184	151	1	using	use	VERB
faba-184	151	2	banking	banking	NOUN
faba-184	151	3	sector	sector	NOUN
faba-184	151	4	liquidity	liquidity	NOUN
faba-184	151	5	as	as	ADP
faba-184	151	6	the	the	DET
faba-184	151	7	dependent	dependent	ADJ
faba-184	151	8	variable	variable	NOUN
faba-184	151	9	,	,	PUNCT
faba-184	151	10	all	all	DET
faba-184	151	11	the	the	DET
faba-184	151	12	explanatory	explanatory	ADJ
faba-184	151	13	variables	variable	NOUN
faba-184	151	14	were	be	AUX
faba-184	151	15	found	find	VERB
faba-184	151	16	to	to	PART
faba-184	151	17	be	be	AUX
faba-184	151	18	statistically	statistically	ADV
faba-184	151	19	insignificant	insignificant	ADJ
faba-184	151	20	in	in	ADP
faba-184	151	21	explaining	explain	VERB
faba-184	151	22	banking	banking	NOUN
faba-184	151	23	sector	sector	NOUN
faba-184	151	24	development	development	NOUN
faba-184	151	25	implying	imply	VERB
faba-184	151	26	that	that	SCONJ
faba-184	151	27	the	the	DET
faba-184	151	28	n	n	CCONJ
faba-184	151	29	-	-	PUNCT
faba-184	151	30	ardl	ardl	NOUN
faba-184	151	31	is	be	AUX
faba-184	151	32	not	not	PART
faba-184	151	33	an	an	DET
faba-184	151	34	appropriate	appropriate	ADJ
faba-184	151	35	model	model	NOUN
faba-184	151	36	for	for	ADP
faba-184	151	37	predicting	predict	VERB
faba-184	151	38	banking	banking	NOUN
faba-184	151	39	sector	sector	NOUN
faba-184	151	40	development	development	NOUN
faba-184	151	41	proxied	proxie	VERB
faba-184	151	42	by	by	ADP
faba-184	151	43	banking	banking	NOUN
faba-184	151	44	sector	sector	NOUN
faba-184	151	45	liquidity	liquidity	NOUN
faba-184	151	46	.	.	PUNCT
faba-184	152	1	similar	similar	ADJ
faba-184	152	2	results	result	NOUN
faba-184	152	3	obtained	obtain	VERB
faba-184	152	4	when	when	SCONJ
faba-184	152	5	using	use	VERB
faba-184	152	6	stokvel	stokvel	ADJ
faba-184	152	7	savings	saving	NOUN
faba-184	152	8	and	and	CCONJ
faba-184	152	9	money	money	NOUN
faba-184	152	10	supply	supply	NOUN
faba-184	152	11	as	as	ADP
faba-184	152	12	the	the	DET
faba-184	152	13	dependent	dependent	ADJ
faba-184	152	14	variables	variable	NOUN
faba-184	152	15	suggesting	suggest	VERB
faba-184	152	16	an	an	DET
faba-184	152	17	insignificant	insignificant	ADJ
faba-184	152	18	influence	influence	NOUN
faba-184	152	19	of	of	ADP
faba-184	152	20	baking	bake	VERB
faba-184	152	21	sector	sector	NOUN
faba-184	152	22	liquidity	liquidity	NOUN
faba-184	152	23	on	on	ADP
faba-184	152	24	stokvel	stokvel	ADJ
faba-184	152	25	savings	saving	NOUN
faba-184	152	26	and	and	CCONJ
faba-184	152	27	money	money	NOUN
faba-184	152	28	supply	supply	NOUN
faba-184	152	29	.	.	PUNCT
faba-184	153	1	with	with	ADP
faba-184	153	2	gdpg	gdpg	PROPN
faba-184	153	3	as	as	ADP
faba-184	153	4	the	the	DET
faba-184	153	5	dependent	dependent	ADJ
faba-184	153	6	variable	variable	NOUN
faba-184	153	7	,	,	PUNCT
faba-184	153	8	only	only	ADV
faba-184	153	9	a	a	DET
faba-184	153	10	negative	negative	ADJ
faba-184	153	11	shock	shock	NOUN
faba-184	153	12	on	on	ADP
faba-184	153	13	money	money	NOUN
faba-184	153	14	supply	supply	NOUN
faba-184	153	15	resulted	result	VERB
faba-184	153	16	in	in	ADP
faba-184	153	17	a	a	DET
faba-184	153	18	significant	significant	ADJ
faba-184	153	19	increase	increase	NOUN
faba-184	153	20	in	in	ADP
faba-184	153	21	gdpg	gdpg	NOUN
faba-184	153	22	at	at	ADP
faba-184	153	23	5	5	NUM
faba-184	153	24	%	%	NOUN
faba-184	153	25	.	.	PUNCT
faba-184	154	1	l.	l.	PROPN
faba-184	154	2	ngcobo	ngcobo	PROPN
faba-184	154	3	,	,	PUNCT
faba-184	154	4	j.	j.	PROPN
faba-184	154	5	chisasa	chisasa	PROPN
faba-184	154	6	,	,	PUNCT
faba-184	154	7	m.	m.	NOUN
faba-184	154	8	t.	t.	PROPN
faba-184	154	9	masetshaba	masetshaba	PROPN
faba-184	154	10	/	/	SYM
faba-184	154	11	finance	finance	NOUN
faba-184	154	12	,	,	PUNCT
faba-184	154	13	accounting	accounting	NOUN
faba-184	154	14	and	and	CCONJ
faba-184	154	15	business	business	NOUN
faba-184	154	16	analysis	analysis	NOUN
faba-184	154	17	,	,	PUNCT
faba-184	154	18	volume	volume	NOUN
faba-184	154	19	6	6	NUM
faba-184	154	20	,	,	PUNCT
faba-184	154	21	issue	issue	NOUN
faba-184	154	22	1	1	NUM
faba-184	154	23	,	,	PUNCT
faba-184	154	24	2024	2024	NUM
faba-184	154	25	93	93	NUM
faba-184	154	26	table	table	NOUN
faba-184	154	27	4	4	NUM
faba-184	154	28	.	.	NUM
faba-184	154	29	n	n	CCONJ
faba-184	154	30	-	-	PUNCT
faba-184	154	31	ardl	ardl	NOUN
faba-184	154	32	long	long	ADJ
faba-184	154	33	run	run	NOUN
faba-184	154	34	form	form	NOUN
faba-184	154	35	and	and	CCONJ
faba-184	154	36	bounds	bound	VERB
faba-184	154	37	test	test	NOUN
faba-184	154	38	(	(	PUNCT
faba-184	154	39	3.4.4.4.4.4.4	3.4.4.4.4.4.4	NUM
faba-184	154	40	)	)	PUNCT
faba-184	154	41	on	on	ADP
faba-184	154	42	bsl	bsl	PROPN
faba-184	154	43	n	n	CCONJ
faba-184	154	44	-	-	PUNCT
faba-184	154	45	ardl	ardl	NOUN
faba-184	154	46	long	long	ADJ
faba-184	154	47	-	-	PUNCT
faba-184	154	48	run	run	VERB
faba-184	154	49	coefficients	coefficient	NOUN
faba-184	154	50	result	result	VERB
faba-184	154	51	bsl	bsl	PROPN
faba-184	154	52	variable	variable	ADJ
faba-184	154	53	coefficient	coefficient	NOUN
faba-184	154	54	st.error	st.error	NOUN
faba-184	154	55	t.statistic	t.statistic	ADJ
faba-184	154	56	prob	prob	ADJ
faba-184	154	57	stokvsav_pos	stokvsav_pos	NUM
faba-184	154	58	-0.148380	-0.148380	NOUN
faba-184	154	59	0.053603	0.053603	NUM
faba-184	154	60	-2.768109	-2.768109	VERB
faba-184	154	61	0.0697	0.0697	NUM
faba-184	154	62	stokvsav_neg	stokvsav_neg	PROPN
faba-184	154	63	-0.168193	-0.168193	VERB
faba-184	154	64	0.068647	0.068647	NUM
faba-184	154	65	-2.450116	-2.450116	NOUN
faba-184	155	1	0.0917	0.0917	NUM
faba-184	155	2	gdpg_pos	gdpg_pos	NOUN
faba-184	155	3	-1.432016	-1.432016	NOUN
faba-184	155	4	0.836693	0.836693	NUM
faba-184	155	5	-1.711519	-1.711519	NOUN
faba-184	155	6	0.1855	0.1855	NUM
faba-184	155	7	gdpg_neg	gdpg_neg	NUM
faba-184	155	8	-1.335738	-1.335738	NOUN
faba-184	155	9	0.771733	0.771733	NUM
faba-184	155	10	-1.730830	-1.730830	NOUN
faba-184	155	11	0.1819	0.1819	NUM
faba-184	155	12	m3_pos	m3_pos	PROPN
faba-184	155	13	-0.000454	-0.000454	VERB
faba-184	155	14	0.001863	0.001863	NUM
faba-184	155	15	-0.243590	-0.243590	NOUN
faba-184	156	1	0.8233	0.8233	NUM
faba-184	156	2	m3_neg	m3_neg	NOUN
faba-184	156	3	-0.000323	-0.000323	NOUN
faba-184	156	4	0.000875	0.000875	NUM
faba-184	156	5	-0.368924	-0.368924	NOUN
faba-184	156	6	0.7367	0.7367	NUM
faba-184	156	7	stokvsav	stokvsav	PROPN
faba-184	156	8	bsl_pos	bsl_pos	PROPN
faba-184	156	9	99.12984	99.12984	NUM
faba-184	156	10	38.07290	38.07290	NUM
faba-184	156	11	2.603685	2.603685	NUM
faba-184	156	12	0.0801	0.0801	NUM
faba-184	156	13	bsl_neg	bsl_neg	NOUN
faba-184	156	14	150.7024	150.7024	NUM
faba-184	156	15	54.76167	54.76167	NUM
faba-184	156	16	2.751968	2.751968	NUM
faba-184	156	17	0.0706	0.0706	NUM
faba-184	156	18	gdpg_pos	gdpg_pos	NOUN
faba-184	156	19	-44.22538	-44.22538	NUM
faba-184	156	20	20.48404	20.48404	NUM
faba-184	156	21	-2.159017	-2.159017	NOUN
faba-184	156	22	0.1197	0.1197	NUM
faba-184	156	23	gdpg_neg	gdpg_neg	NUM
faba-184	156	24	-49.40970	-49.40970	SYM
faba-184	156	25	22.31685	22.31685	NUM
faba-184	156	26	-2.214008	-2.214008	NOUN
faba-184	156	27	0.1137	0.1137	NUM
faba-184	156	28	m3_pos	m3_pos	NOUN
faba-184	156	29	-0.411536	-0.411536	NOUN
faba-184	156	30	0.160589	0.160589	NUM
faba-184	156	31	-2.562666	-2.562666	NOUN
faba-184	157	1	0.0830	0.0830	NUM
faba-184	157	2	m3_neg	m3_neg	NOUN
faba-184	157	3	0.283400	0.283400	NUM
faba-184	157	4	0.113765	0.113765	NUM
faba-184	157	5	2.491108	2.491108	NUM
faba-184	157	6	0.0884	0.0884	NUM
faba-184	157	7	gdpg	gdpg	ADJ
faba-184	157	8	bsl_pos	bsl_pos	NOUN
faba-184	157	9	-1.407221	-1.407221	NOUN
faba-184	157	10	0.809725	0.809725	NUM
faba-184	157	11	-1.737900	-1.737900	X
faba-184	157	12	0.1258	0.1258	NUM
faba-184	157	13	bsl_neg	bsl_neg	NOUN
faba-184	157	14	-0.911961	-0.911961	NOUN
faba-184	157	15	0.551559	0.551559	NUM
faba-184	157	16	-1.653425	-1.653425	NOUN
faba-184	157	17	0.1422	0.1422	NUM
faba-184	157	18	stokvsav_pos	stokvsav_pos	NUM
faba-184	157	19	-0.074372	-0.074372	VERB
faba-184	157	20	0.036830	0.036830	NUM
faba-184	157	21	-2.019350	-2.019350	NOUN
faba-184	157	22	0.0832	0.0832	NUM
faba-184	157	23	stokvsav_neg	stokvsav_neg	PROPN
faba-184	157	24	-0.072385	-0.072385	PROPN
faba-184	157	25	0.039913	0.039913	NUM
faba-184	157	26	-1.813560	-1.813560	NOUN
faba-184	158	1	0.1126	0.1126	NUM
faba-184	158	2	m3_pos	m3_pos	PROPN
faba-184	158	3	-0.001263	-0.001263	VERB
faba-184	158	4	0.001185	0.001185	NUM
faba-184	158	5	-1.066353	-1.066353	NOUN
faba-184	159	1	0.3217	0.3217	NUM
faba-184	159	2	m3_neg	m3_neg	NOUN
faba-184	159	3	-0.002837	-0.002837	X
faba-184	159	4	0.001051	0.001051	NUM
faba-184	159	5	-2.698173	-2.698173	NOUN
faba-184	159	6	0.0307	0.0307	NUM
faba-184	159	7	m3	m3	PROPN
faba-184	159	8	stokvsav_pos	stokvsav_pos	NUM
faba-184	159	9	-43.55979	-43.55979	SYM
faba-184	159	10	23.53003	23.53003	NUM
faba-184	159	11	-1.851242	-1.851242	NOUN
faba-184	159	12	0.1013	0.1013	NUM
faba-184	159	13	stokvsav_neg	stokvsav_neg	PROPN
faba-184	159	14	-43.19048	-43.19048	PUNCT
faba-184	159	15	26.22274	26.22274	NUM
faba-184	159	16	-1.647062	-1.647062	NOUN
faba-184	159	17	0.1382	0.1382	NUM
faba-184	159	18	bsl_pos	bsl_pos	NOUN
faba-184	159	19	-468.8431	-468.8431	SYM
faba-184	159	20	271.1939	271.1939	NUM
faba-184	159	21	-1.728811	-1.728811	NOUN
faba-184	159	22	0.1221	0.1221	NUM
faba-184	159	23	bsl_neg	bsl_neg	NOUN
faba-184	159	24	-303.9212	-303.9212	NOUN
faba-184	159	25	206.5404	206.5404	NUM
faba-184	159	26	1.471486	1.471486	NUM
faba-184	159	27	0.1794	0.1794	NUM
faba-184	160	1	gdpg_pos	gdpg_pos	NOUN
faba-184	160	2	-231.4554	-231.4554	NUM
faba-184	160	3	109.5958	109.5958	NUM
faba-184	160	4	-2.111901	-2.111901	NOUN
faba-184	160	5	0.0677	0.0677	NUM
faba-184	161	1	gdpg_pos	gdpg_pos	NOUN
faba-184	161	2	-291.8407	-291.8407	PUNCT
faba-184	161	3	127.8901	127.8901	NUM
faba-184	161	4	-2.2811965	-2.2811965	PROPN
faba-184	161	5	0.0519	0.0519	NUM
faba-184	161	6	shortand	shortand	NOUN
faba-184	161	7	long	long	ADV
faba-184	161	8	-	-	PUNCT
faba-184	161	9	run	run	NOUN
faba-184	161	10	multipliers	multiplier	NOUN
faba-184	161	11	the	the	DET
faba-184	161	12	adjustment	adjustment	NOUN
faba-184	161	13	of	of	ADP
faba-184	161	14	asymmetry	asymmetry	NOUN
faba-184	161	15	in	in	ADP
faba-184	161	16	the	the	DET
faba-184	161	17	long	long	ADV
faba-184	161	18	-	-	PUNCT
faba-184	161	19	run	run	VERB
faba-184	161	20	equilibrium	equilibrium	NOUN
faba-184	161	21	due	due	ADP
faba-184	161	22	to	to	ADP
faba-184	161	23	negative	negative	ADJ
faba-184	161	24	and	and	CCONJ
faba-184	161	25	positive	positive	ADJ
faba-184	161	26	shocks	shock	NOUN
faba-184	161	27	in	in	ADP
faba-184	161	28	stokvel	stokvel	ADJ
faba-184	161	29	savings	saving	NOUN
faba-184	161	30	have	have	AUX
faba-184	161	31	been	be	AUX
faba-184	161	32	explored	explore	VERB
faba-184	161	33	with	with	ADP
faba-184	161	34	the	the	DET
faba-184	161	35	use	use	NOUN
faba-184	161	36	of	of	ADP
faba-184	161	37	a	a	DET
faba-184	161	38	dynamic	dynamic	ADJ
faba-184	161	39	multiplier	multipli	ADJ
faba-184	161	40	graph	graph	NOUN
faba-184	161	41	.	.	PUNCT
faba-184	162	1	the	the	DET
faba-184	162	2	multipliers	multiplier	NOUN
faba-184	162	3	for	for	ADP
faba-184	162	4	the	the	DET
faba-184	162	5	variables	variable	NOUN
faba-184	162	6	are	be	AUX
faba-184	162	7	plotted	plot	VERB
faba-184	162	8	in	in	ADP
faba-184	162	9	figure	figure	NOUN
faba-184	162	10	3	3	NUM
faba-184	162	11	,	,	PUNCT
faba-184	162	12	which	which	PRON
faba-184	162	13	portrays	portray	VERB
faba-184	162	14	adjustments	adjustment	NOUN
faba-184	162	15	to	to	ADP
faba-184	162	16	a	a	DET
faba-184	162	17	new	new	ADJ
faba-184	162	18	equilibrium	equilibrium	NOUN
faba-184	162	19	after	after	ADP
faba-184	162	20	positive	positive	ADJ
faba-184	162	21	and	and	CCONJ
faba-184	162	22	negative	negative	ADJ
faba-184	162	23	shocks	shock	NOUN
faba-184	162	24	.	.	PUNCT
faba-184	163	1	the	the	DET
faba-184	163	2	black	black	ADJ
faba-184	163	3	dotted	dotted	ADJ
faba-184	163	4	line	line	NOUN
faba-184	163	5	indicates	indicate	VERB
faba-184	163	6	the	the	DET
faba-184	163	7	non	non	ADJ
faba-184	163	8	-	-	ADJ
faba-184	163	9	linear	linear	ADJ
faba-184	163	10	adjustment	adjustment	NOUN
faba-184	163	11	of	of	ADP
faba-184	163	12	bsl	bsl	PROPN
faba-184	163	13	to	to	ADP
faba-184	163	14	adverse	adverse	ADJ
faba-184	163	15	shocks	shock	NOUN
faba-184	163	16	,	,	PUNCT
faba-184	163	17	whereas	whereas	SCONJ
faba-184	163	18	the	the	DET
faba-184	163	19	solid	solid	ADJ
faba-184	163	20	black	black	ADJ
faba-184	163	21	line	line	NOUN
faba-184	163	22	portrays	portray	VERB
faba-184	163	23	the	the	DET
faba-184	163	24	adjustment	adjustment	NOUN
faba-184	163	25	of	of	ADP
faba-184	163	26	bsl	bsl	PROPN
faba-184	163	27	to	to	ADP
faba-184	163	28	a	a	DET
faba-184	163	29	positive	positive	ADJ
faba-184	163	30	shock	shock	NOUN
faba-184	163	31	.	.	PUNCT
faba-184	164	1	the	the	DET
faba-184	164	2	asymmetric	asymmetric	ADJ
faba-184	164	3	pattern	pattern	NOUN
faba-184	164	4	indicated	indicate	VERB
faba-184	164	5	by	by	ADP
faba-184	164	6	the	the	DET
faba-184	164	7	red	red	ADJ
faba-184	164	8	dotted	dot	VERB
faba-184	164	9	line	line	NOUN
faba-184	164	10	is	be	AUX
faba-184	164	11	the	the	DET
faba-184	164	12	difference	difference	NOUN
faba-184	164	13	between	between	ADP
faba-184	164	14	both	both	CCONJ
faba-184	164	15	negative	negative	ADJ
faba-184	164	16	and	and	CCONJ
faba-184	164	17	positive	positive	ADJ
faba-184	164	18	shocks	shock	NOUN
faba-184	164	19	(	(	PUNCT
faba-184	164	20	andriamahery	andriamahery	NOUN
faba-184	164	21	and	and	CCONJ
faba-184	164	22	qamruzzaman	qamruzzaman	ADJ
faba-184	164	23	2022	2022	NUM
faba-184	164	24	)	)	PUNCT
faba-184	164	25	.	.	PUNCT
faba-184	165	1	in	in	ADP
faba-184	165	2	the	the	DET
faba-184	165	3	long	long	ADV
faba-184	165	4	-	-	PUNCT
faba-184	165	5	run	run	NOUN
faba-184	165	6	,	,	PUNCT
faba-184	165	7	when	when	SCONJ
faba-184	165	8	bsl	bsl	PROPN
faba-184	165	9	is	be	AUX
faba-184	165	10	the	the	DET
faba-184	165	11	dependent	dependent	ADJ
faba-184	165	12	variable	variable	NOUN
faba-184	165	13	,	,	PUNCT
faba-184	165	14	any	any	DET
faba-184	165	15	positive	positive	ADJ
faba-184	165	16	or	or	CCONJ
faba-184	165	17	negative	negative	ADJ
faba-184	165	18	changes	change	NOUN
faba-184	165	19	in	in	ADP
faba-184	165	20	stokvel	stokvel	ADJ
faba-184	165	21	savings	saving	NOUN
faba-184	165	22	(	(	PUNCT
faba-184	165	23	stokvsav+	stokvsav+	NOUN
faba-184	165	24	or	or	CCONJ
faba-184	165	25	stokvsav-	stokvsav-	NOUN
faba-184	165	26	)	)	PUNCT
faba-184	165	27	do	do	AUX
faba-184	165	28	not	not	PART
faba-184	165	29	significantly	significantly	ADV
faba-184	165	30	impact	impact	VERB
faba-184	165	31	bsl	bsl	PROPN
faba-184	165	32	.	.	PUNCT
faba-184	166	1	the	the	DET
faba-184	166	2	same	same	ADJ
faba-184	166	3	is	be	AUX
faba-184	166	4	observed	observe	VERB
faba-184	166	5	for	for	ADP
faba-184	166	6	gross	gross	ADJ
faba-184	166	7	domestic	domestic	ADJ
faba-184	166	8	product	product	NOUN
faba-184	166	9	growth	growth	NOUN
faba-184	166	10	and	and	CCONJ
faba-184	166	11	money	money	NOUN
faba-184	166	12	supply	supply	NOUN
faba-184	166	13	(	(	PUNCT
faba-184	166	14	gdpg+	gdpg+	X
faba-184	166	15	or	or	CCONJ
faba-184	166	16	gdpg-	gdpg-	X
faba-184	166	17	;	;	PUNCT
faba-184	166	18	m3	m3	PROPN
faba-184	166	19	+	+	NUM
faba-184	166	20	or	or	CCONJ
faba-184	166	21	m3	m3	PROPN
faba-184	166	22	)	)	PUNCT
faba-184	166	23	.	.	PUNCT
faba-184	167	1	therefore	therefore	ADV
faba-184	167	2	,	,	PUNCT
faba-184	167	3	n	n	CCONJ
faba-184	167	4	-	-	PUNCT
faba-184	167	5	ardl	ardl	NOUN
faba-184	167	6	is	be	AUX
faba-184	167	7	not	not	PART
faba-184	167	8	the	the	DET
faba-184	167	9	best	good	ADJ
faba-184	167	10	model	model	NOUN
faba-184	167	11	to	to	PART
faba-184	167	12	detect	detect	VERB
faba-184	167	13	the	the	DET
faba-184	167	14	presence	presence	NOUN
faba-184	167	15	of	of	ADP
faba-184	167	16	a	a	DET
faba-184	167	17	long	long	ADV
faba-184	167	18	-	-	PUNCT
faba-184	167	19	run	run	NOUN
faba-184	167	20	relationship	relationship	NOUN
faba-184	167	21	between	between	ADP
faba-184	167	22	bsl	bsl	NOUN
faba-184	167	23	and	and	CCONJ
faba-184	167	24	stokvel	stokvel	ADJ
faba-184	167	25	savings	saving	NOUN
faba-184	167	26	,	,	PUNCT
faba-184	167	27	gdpg	gdpg	NOUN
faba-184	167	28	and	and	CCONJ
faba-184	167	29	m3	m3	PROPN
faba-184	167	30	,	,	PUNCT
faba-184	167	31	which	which	PRON
faba-184	167	32	are	be	AUX
faba-184	167	33	used	use	VERB
faba-184	167	34	as	as	ADP
faba-184	167	35	the	the	DET
faba-184	167	36	independent	independent	ADJ
faba-184	167	37	variables	variable	NOUN
faba-184	167	38	.	.	PUNCT
faba-184	168	1	l.	l.	PROPN
faba-184	168	2	ngcobo	ngcobo	PROPN
faba-184	168	3	,	,	PUNCT
faba-184	168	4	j.	j.	PROPN
faba-184	168	5	chisasa	chisasa	PROPN
faba-184	168	6	,	,	PUNCT
faba-184	168	7	m.	m.	NOUN
faba-184	168	8	t.	t.	PROPN
faba-184	168	9	masetshaba	masetshaba	PROPN
faba-184	168	10	/	/	SYM
faba-184	168	11	finance	finance	NOUN
faba-184	168	12	,	,	PUNCT
faba-184	168	13	accounting	accounting	NOUN
faba-184	168	14	and	and	CCONJ
faba-184	168	15	business	business	NOUN
faba-184	168	16	analysis	analysis	NOUN
faba-184	168	17	,	,	PUNCT
faba-184	168	18	volume	volume	NOUN
faba-184	168	19	6	6	NUM
faba-184	168	20	,	,	PUNCT
faba-184	168	21	issue	issue	NOUN
faba-184	168	22	1	1	NUM
faba-184	168	23	,	,	PUNCT
faba-184	168	24	2024	2024	NUM
faba-184	168	25	94	94	NUM
faba-184	168	26	bsl	bsl	X
faba-184	168	27	(	(	PUNCT
faba-184	168	28	stokvsav	stokvsav	PROPN
faba-184	168	29	gdpg	gdpg	ADJ
faba-184	168	30	m3	m3	PROPN
faba-184	168	31	)	)	PUNCT
faba-184	168	32	stokvsav	stokvsav	NOUN
faba-184	168	33	-60,000,000	-60,000,000	INTJ
faba-184	169	1	-40,000,000	-40,000,000	PROPN
faba-184	169	2	-20,000,000	-20,000,000	NOUN
faba-184	169	3	0	0	NUM
faba-184	169	4	20,000,000	20,000,000	NUM
faba-184	169	5	40,000,000	40,000,000	NUM
faba-184	169	6	60,000,000	60,000,000	NUM
faba-184	169	7	1	1	NUM
faba-184	169	8	3	3	NUM
faba-184	169	9	5	5	NUM
faba-184	169	10	7	7	NUM
faba-184	169	11	9	9	NUM
faba-184	169	12	11	11	NUM
faba-184	169	13	13	13	NUM
faba-184	169	14	15	15	NUM
faba-184	169	15	multiplier	multipli	ADJ
faba-184	169	16	for	for	ADP
faba-184	169	17	stkvsa(+	stkvsa(+	ADJ
faba-184	169	18	)	)	PUNCT
faba-184	169	19	multiplier	multipli	ADJ
faba-184	169	20	for	for	ADP
faba-184	169	21	stkvsa(-	stkvsa(-	NOUN
faba-184	169	22	)	)	PUNCT
faba-184	169	23	asymmetry	asymmetry	NOUN
faba-184	169	24	plot	plot	NOUN
faba-184	169	25	(	(	PUNCT
faba-184	169	26	with	with	ADP
faba-184	169	27	c.i	c.i	PROPN
faba-184	169	28	.	.	PUNCT
faba-184	169	29	)	)	PUNCT
faba-184	170	1	gdpg	gdpg	NOUN
faba-184	170	2	-30,000,000	-30,000,000	PUNCT
faba-184	170	3	-20,000,000	-20,000,000	NOUN
faba-184	170	4	-10,000,000	-10,000,000	NOUN
faba-184	170	5	0	0	NUM
faba-184	170	6	10,000,000	10,000,000	NUM
faba-184	170	7	20,000,000	20,000,000	NUM
faba-184	170	8	1	1	NUM
faba-184	170	9	3	3	NUM
faba-184	170	10	5	5	NUM
faba-184	170	11	7	7	NUM
faba-184	170	12	9	9	NUM
faba-184	170	13	11	11	NUM
faba-184	170	14	13	13	NUM
faba-184	170	15	15	15	NUM
faba-184	170	16	multiplier	multipli	ADJ
faba-184	170	17	for	for	ADP
faba-184	170	18	gdpg(+	gdpg(+	ADJ
faba-184	170	19	)	)	PUNCT
faba-184	170	20	multiplier	multipli	ADJ
faba-184	170	21	for	for	ADP
faba-184	170	22	gdpg(-	gdpg(-	NOUN
faba-184	170	23	)	)	PUNCT
faba-184	170	24	asymmetry	asymmetry	NOUN
faba-184	170	25	plot	plot	NOUN
faba-184	170	26	(	(	PUNCT
faba-184	170	27	with	with	ADP
faba-184	170	28	c.i	c.i	PROPN
faba-184	170	29	.	.	PUNCT
faba-184	170	30	)	)	PUNCT
faba-184	171	1	m3	m3	PROPN
faba-184	172	1	-300,000	-300,000	PROPN
faba-184	173	1	-200,000	-200,000	INTJ
faba-184	173	2	-100,000	-100,000	NOUN
faba-184	173	3	0	0	NUM
faba-184	173	4	100,000	100,000	NUM
faba-184	173	5	200,000	200,000	NUM
faba-184	173	6	300,000	300,000	NUM
faba-184	173	7	1	1	NUM
faba-184	173	8	3	3	NUM
faba-184	173	9	5	5	NUM
faba-184	173	10	7	7	NUM
faba-184	173	11	9	9	NUM
faba-184	173	12	11	11	NUM
faba-184	173	13	13	13	NUM
faba-184	173	14	15	15	NUM
faba-184	173	15	multiplier	multipli	ADJ
faba-184	173	16	for	for	ADP
faba-184	173	17	m3(+	m3(+	NOUN
faba-184	173	18	)	)	PUNCT
faba-184	173	19	multiplier	multiplier	NOUN
faba-184	173	20	for	for	ADP
faba-184	173	21	m3(-	m3(-	NOUN
faba-184	173	22	)	)	PUNCT
faba-184	173	23	asymmetry	asymmetry	NOUN
faba-184	173	24	plot	plot	NOUN
faba-184	173	25	(	(	PUNCT
faba-184	173	26	with	with	ADP
faba-184	173	27	c.i	c.i	PROPN
faba-184	173	28	.	.	PUNCT
faba-184	173	29	)	)	PUNCT
faba-184	173	30	stokvsav	stokvsav	PROPN
faba-184	173	31	(	(	PUNCT
faba-184	173	32	bsl	bsl	X
faba-184	173	33	gdpg	gdpg	PROPN
faba-184	173	34	m3	m3	PROPN
faba-184	173	35	)	)	PUNCT
faba-184	173	36	bsl	bsl	NOUN
faba-184	173	37	-400	-400	PROPN
faba-184	173	38	-200	-200	NUM
faba-184	173	39	0	0	NUM
faba-184	173	40	200	200	NUM
faba-184	173	41	400	400	NUM
faba-184	173	42	600	600	NUM
faba-184	173	43	800	800	NUM
faba-184	173	44	1	1	NUM
faba-184	173	45	3	3	NUM
faba-184	173	46	5	5	NUM
faba-184	173	47	7	7	NUM
faba-184	173	48	9	9	NUM
faba-184	173	49	11	11	NUM
faba-184	173	50	13	13	NUM
faba-184	173	51	15	15	NUM
faba-184	173	52	multiplier	multipli	ADJ
faba-184	173	53	for	for	ADP
faba-184	173	54	bsl(+	bsl(+	NOUN
faba-184	173	55	)	)	PUNCT
faba-184	173	56	multiplier	multipli	ADJ
faba-184	173	57	for	for	ADP
faba-184	173	58	bsl(-	bsl(-	NOUN
faba-184	173	59	)	)	PUNCT
faba-184	173	60	asymmetry	asymmetry	NOUN
faba-184	173	61	plot	plot	NOUN
faba-184	173	62	(	(	PUNCT
faba-184	173	63	with	with	ADP
faba-184	173	64	c.i	c.i	PROPN
faba-184	173	65	.	.	PUNCT
faba-184	173	66	)	)	PUNCT
faba-184	173	67	gdpg	gdpg	VERB
faba-184	173	68	-200	-200	NUM
faba-184	173	69	-100	-100	PROPN
faba-184	173	70	0	0	NUM
faba-184	173	71	100	100	NUM
faba-184	173	72	200	200	NUM
faba-184	173	73	300	300	NUM
faba-184	173	74	400	400	NUM
faba-184	173	75	1	1	NUM
faba-184	173	76	3	3	NUM
faba-184	173	77	5	5	NUM
faba-184	173	78	7	7	NUM
faba-184	173	79	9	9	NUM
faba-184	173	80	11	11	NUM
faba-184	173	81	13	13	NUM
faba-184	173	82	15	15	NUM
faba-184	173	83	multiplier	multipli	ADJ
faba-184	173	84	for	for	ADP
faba-184	173	85	gdpg(+	gdpg(+	ADJ
faba-184	173	86	)	)	PUNCT
faba-184	173	87	multiplier	multipli	ADJ
faba-184	173	88	for	for	ADP
faba-184	173	89	gdpg(-	gdpg(-	NOUN
faba-184	173	90	)	)	PUNCT
faba-184	173	91	asymmetry	asymmetry	NOUN
faba-184	173	92	plot	plot	NOUN
faba-184	173	93	(	(	PUNCT
faba-184	173	94	with	with	ADP
faba-184	173	95	c.i	c.i	PROPN
faba-184	173	96	.	.	PUNCT
faba-184	173	97	)	)	PUNCT
faba-184	174	1	m3	m3	PROPN
faba-184	174	2	-0.4	-0.4	NUM
faba-184	174	3	0.0	0.0	NUM
faba-184	174	4	0.4	0.4	NUM
faba-184	174	5	0.8	0.8	NUM
faba-184	174	6	1.2	1.2	NUM
faba-184	174	7	1.6	1.6	NUM
faba-184	174	8	2.0	2.0	NUM
faba-184	174	9	2.4	2.4	NUM
faba-184	174	10	2.8	2.8	NUM
faba-184	174	11	1	1	NUM
faba-184	174	12	3	3	NUM
faba-184	174	13	5	5	NUM
faba-184	174	14	7	7	NUM
faba-184	174	15	9	9	NUM
faba-184	174	16	11	11	NUM
faba-184	174	17	13	13	NUM
faba-184	174	18	15	15	NUM
faba-184	174	19	multiplier	multipli	ADJ
faba-184	174	20	for	for	ADP
faba-184	174	21	m3(+	m3(+	NOUN
faba-184	174	22	)	)	PUNCT
faba-184	174	23	multiplier	multiplier	NOUN
faba-184	174	24	for	for	ADP
faba-184	174	25	m3(-	m3(-	NOUN
faba-184	174	26	)	)	PUNCT
faba-184	174	27	asymmetry	asymmetry	NOUN
faba-184	174	28	plot	plot	NOUN
faba-184	174	29	(	(	PUNCT
faba-184	174	30	with	with	ADP
faba-184	174	31	c.i	c.i	PROPN
faba-184	174	32	.	.	PUNCT
faba-184	174	33	)	)	PUNCT
faba-184	174	34	gdpg	gdpg	PROPN
faba-184	174	35	(	(	PUNCT
faba-184	174	36	bsl	bsl	PROPN
faba-184	174	37	stokvsav	stokvsav	PROPN
faba-184	174	38	m3	m3	PROPN
faba-184	174	39	)	)	PUNCT
faba-184	174	40	stokvsav	stokvsav	NOUN
faba-184	174	41	-30	-30	PROPN
faba-184	174	42	-20	-20	NUM
faba-184	174	43	-10	-10	SYM
faba-184	174	44	0	0	NUM
faba-184	174	45	10	10	NUM
faba-184	174	46	20	20	NUM
faba-184	174	47	30	30	NUM
faba-184	174	48	1	1	NUM
faba-184	174	49	3	3	NUM
faba-184	174	50	5	5	NUM
faba-184	174	51	7	7	NUM
faba-184	174	52	9	9	NUM
faba-184	174	53	11	11	NUM
faba-184	174	54	13	13	NUM
faba-184	174	55	15	15	NUM
faba-184	174	56	multiplier	multipli	ADJ
faba-184	174	57	for	for	ADP
faba-184	174	58	stkvsa(+	stkvsa(+	ADJ
faba-184	174	59	)	)	PUNCT
faba-184	174	60	multiplier	multipli	ADJ
faba-184	174	61	for	for	ADP
faba-184	174	62	stkvsa(-	stkvsa(-	NOUN
faba-184	174	63	)	)	PUNCT
faba-184	174	64	asymmetry	asymmetry	NOUN
faba-184	174	65	plot	plot	NOUN
faba-184	174	66	(	(	PUNCT
faba-184	174	67	with	with	ADP
faba-184	174	68	c.i	c.i	PROPN
faba-184	174	69	.	.	PUNCT
faba-184	174	70	)	)	PUNCT
faba-184	175	1	gdpg	gdpg	NOUN
faba-184	175	2	-30	-30	NUM
faba-184	175	3	-20	-20	NUM
faba-184	175	4	-10	-10	SYM
faba-184	175	5	0	0	NUM
faba-184	175	6	10	10	NUM
faba-184	175	7	20	20	NUM
faba-184	175	8	30	30	NUM
faba-184	175	9	1	1	NUM
faba-184	175	10	3	3	NUM
faba-184	175	11	5	5	NUM
faba-184	175	12	7	7	NUM
faba-184	175	13	9	9	NUM
faba-184	175	14	11	11	NUM
faba-184	175	15	13	13	NUM
faba-184	175	16	15	15	NUM
faba-184	175	17	multiplier	multipli	ADJ
faba-184	175	18	for	for	ADP
faba-184	175	19	stkvsa(+	stkvsa(+	ADJ
faba-184	175	20	)	)	PUNCT
faba-184	175	21	multiplier	multipli	ADJ
faba-184	175	22	for	for	ADP
faba-184	175	23	stkvsa(-	stkvsa(-	NOUN
faba-184	175	24	)	)	PUNCT
faba-184	175	25	asymmetry	asymmetry	NOUN
faba-184	175	26	plot	plot	NOUN
faba-184	175	27	(	(	PUNCT
faba-184	175	28	with	with	ADP
faba-184	175	29	c.i	c.i	PROPN
faba-184	175	30	.	.	PUNCT
faba-184	175	31	)	)	PUNCT
faba-184	176	1	m3	m3	PROPN
faba-184	177	1	-300,000	-300,000	PROPN
faba-184	178	1	-200,000	-200,000	INTJ
faba-184	178	2	-100,000	-100,000	NOUN
faba-184	178	3	0	0	NUM
faba-184	178	4	100,000	100,000	NUM
faba-184	178	5	200,000	200,000	NUM
faba-184	178	6	300,000	300,000	NUM
faba-184	178	7	400,000	400,000	NUM
faba-184	178	8	1	1	NUM
faba-184	178	9	3	3	NUM
faba-184	178	10	5	5	NUM
faba-184	178	11	7	7	NUM
faba-184	178	12	9	9	NUM
faba-184	178	13	11	11	NUM
faba-184	178	14	13	13	NUM
faba-184	178	15	15	15	NUM
faba-184	178	16	multiplier	multipli	ADJ
faba-184	178	17	for	for	ADP
faba-184	178	18	stkvsa(+	stkvsa(+	ADJ
faba-184	178	19	)	)	PUNCT
faba-184	178	20	multiplier	multipli	ADJ
faba-184	178	21	for	for	ADP
faba-184	178	22	stkvsa(-	stkvsa(-	NOUN
faba-184	178	23	)	)	PUNCT
faba-184	179	1	asymmetry	asymmetry	NOUN
faba-184	179	2	plot	plot	NOUN
faba-184	179	3	(	(	PUNCT
faba-184	179	4	with	with	ADP
faba-184	179	5	c.i	c.i	PROPN
faba-184	179	6	.	.	PUNCT
faba-184	179	7	)	)	PUNCT
faba-184	179	8	m3(bsl	m3(bsl	PROPN
faba-184	179	9	stokvsav	stokvsav	NOUN
faba-184	179	10	gdpg	gdpg	PROPN
faba-184	179	11	)	)	PUNCT
faba-184	179	12	bsl	bsl	NOUN
faba-184	180	1	-600	-600	INTJ
faba-184	180	2	-400	-400	NUM
faba-184	181	1	-200	-200	NUM
faba-184	181	2	0	0	NUM
faba-184	181	3	200	200	NUM
faba-184	181	4	400	400	NUM
faba-184	181	5	1	1	NUM
faba-184	181	6	3	3	NUM
faba-184	181	7	5	5	NUM
faba-184	181	8	7	7	NUM
faba-184	181	9	9	9	NUM
faba-184	181	10	11	11	NUM
faba-184	181	11	13	13	NUM
faba-184	181	12	15	15	NUM
faba-184	181	13	multiplier	multipli	ADJ
faba-184	181	14	for	for	ADP
faba-184	181	15	bsl(+	bsl(+	NOUN
faba-184	181	16	)	)	PUNCT
faba-184	181	17	multiplier	multipli	ADJ
faba-184	181	18	for	for	ADP
faba-184	181	19	bsl(-	bsl(-	NOUN
faba-184	181	20	)	)	PUNCT
faba-184	181	21	asymmetry	asymmetry	NOUN
faba-184	181	22	plot	plot	NOUN
faba-184	181	23	(	(	PUNCT
faba-184	181	24	with	with	ADP
faba-184	181	25	c.i	c.i	PROPN
faba-184	181	26	.	.	PUNCT
faba-184	181	27	)	)	PUNCT
faba-184	181	28	stokvsav	stokvsav	NOUN
faba-184	182	1	-300	-300	NUM
faba-184	183	1	-200	-200	NUM
faba-184	183	2	-100	-100	PROPN
faba-184	183	3	0	0	NUM
faba-184	183	4	100	100	NUM
faba-184	183	5	200	200	NUM
faba-184	183	6	300	300	NUM
faba-184	183	7	400	400	NUM
faba-184	183	8	1	1	NUM
faba-184	183	9	3	3	NUM
faba-184	183	10	5	5	NUM
faba-184	183	11	7	7	NUM
faba-184	183	12	9	9	NUM
faba-184	183	13	11	11	NUM
faba-184	183	14	13	13	NUM
faba-184	183	15	15	15	NUM
faba-184	183	16	multiplier	multipli	ADJ
faba-184	183	17	for	for	ADP
faba-184	183	18	gdpg(+	gdpg(+	ADJ
faba-184	183	19	)	)	PUNCT
faba-184	183	20	multiplier	multipli	ADJ
faba-184	183	21	for	for	ADP
faba-184	183	22	gdpg(-	gdpg(-	NOUN
faba-184	183	23	)	)	PUNCT
faba-184	183	24	asymmetry	asymmetry	NOUN
faba-184	183	25	plot	plot	NOUN
faba-184	183	26	(	(	PUNCT
faba-184	183	27	with	with	ADP
faba-184	183	28	c.i	c.i	PROPN
faba-184	183	29	.	.	PUNCT
faba-184	183	30	)	)	PUNCT
faba-184	183	31	gdpg	gdpg	NOUN
faba-184	183	32	-100	-100	PROPN
faba-184	183	33	-80	-80	PUNCT
faba-184	183	34	-60	-60	PROPN
faba-184	183	35	-40	-40	PROPN
faba-184	183	36	-20	-20	NUM
faba-184	183	37	0	0	NUM
faba-184	183	38	20	20	NUM
faba-184	183	39	40	40	NUM
faba-184	183	40	60	60	NUM
faba-184	183	41	1	1	NUM
faba-184	183	42	3	3	NUM
faba-184	183	43	5	5	NUM
faba-184	183	44	7	7	NUM
faba-184	183	45	9	9	NUM
faba-184	183	46	11	11	NUM
faba-184	183	47	13	13	NUM
faba-184	183	48	15	15	NUM
faba-184	183	49	multiplier	multipli	ADJ
faba-184	183	50	for	for	ADP
faba-184	183	51	stkvsa(+	stkvsa(+	ADJ
faba-184	183	52	)	)	PUNCT
faba-184	183	53	multiplier	multipli	ADJ
faba-184	183	54	for	for	ADP
faba-184	183	55	stkvsa(-	stkvsa(-	NOUN
faba-184	183	56	)	)	PUNCT
faba-184	183	57	asymmetry	asymmetry	NOUN
faba-184	183	58	plot	plot	NOUN
faba-184	183	59	(	(	PUNCT
faba-184	183	60	with	with	ADP
faba-184	183	61	c.i	c.i	PROPN
faba-184	183	62	.	.	PUNCT
faba-184	183	63	)	)	PUNCT
faba-184	183	64	figure	figure	NOUN
faba-184	183	65	3	3	NUM
faba-184	183	66	.	.	PUNCT
faba-184	184	1	shortand	shortand	NOUN
faba-184	184	2	long	long	ADV
faba-184	184	3	-	-	PUNCT
faba-184	184	4	run	run	NOUN
faba-184	184	5	multipliers	multiplier	NOUN
faba-184	184	6	conclusion	conclusion	VERB
faba-184	184	7	the	the	DET
faba-184	184	8	study	study	NOUN
faba-184	184	9	empirically	empirically	ADV
faba-184	184	10	investigates	investigate	VERB
faba-184	184	11	the	the	DET
faba-184	184	12	possible	possible	ADJ
faba-184	184	13	nonlinear	nonlinear	ADJ
faba-184	184	14	relationship	relationship	NOUN
faba-184	184	15	between	between	ADP
faba-184	184	16	stokvel	stokvel	NOUN
faba-184	184	17	saving	saving	NOUN
faba-184	184	18	and	and	CCONJ
faba-184	184	19	banking	banking	NOUN
faba-184	184	20	sector	sector	NOUN
faba-184	184	21	liquidity	liquidity	NOUN
faba-184	184	22	using	use	VERB
faba-184	184	23	quarterly	quarterly	ADJ
faba-184	184	24	time	time	NOUN
faba-184	184	25	series	series	PROPN
faba-184	184	26	secondary	secondary	ADJ
faba-184	184	27	data	datum	NOUN
faba-184	184	28	ranging	range	VERB
faba-184	184	29	from	from	ADP
faba-184	184	30	2009q4	2009q4	PROPN
faba-184	184	31	-	-	NOUN
faba-184	184	32	2020q2	2020q2	NOUN
faba-184	184	33	.	.	PUNCT
faba-184	185	1	the	the	DET
faba-184	185	2	results	result	NOUN
faba-184	185	3	of	of	ADP
faba-184	185	4	the	the	DET
faba-184	185	5	break	break	NOUN
faba-184	185	6	-	-	PUNCT
faba-184	185	7	even	even	ADV
faba-184	185	8	unit	unit	NOUN
faba-184	185	9	root	root	NOUN
faba-184	185	10	tests	test	NOUN
faba-184	185	11	reveal	reveal	VERB
faba-184	185	12	that	that	SCONJ
faba-184	185	13	variables	variable	NOUN
faba-184	185	14	were	be	AUX
faba-184	185	15	found	find	VERB
faba-184	185	16	to	to	PART
faba-184	185	17	be	be	AUX
faba-184	185	18	i(0	i(0	PROPN
faba-184	185	19	)	)	PUNCT
faba-184	185	20	and	and	CCONJ
faba-184	185	21	i(1	i(1	NOUN
faba-184	185	22	)	)	PUNCT
faba-184	185	23	,	,	PUNCT
faba-184	185	24	thus	thus	ADV
faba-184	185	25	confirming	confirm	VERB
faba-184	185	26	l.	l.	PROPN
faba-184	185	27	ngcobo	ngcobo	PROPN
faba-184	185	28	,	,	PUNCT
faba-184	185	29	j.	j.	PROPN
faba-184	185	30	chisasa	chisasa	PROPN
faba-184	185	31	,	,	PUNCT
faba-184	185	32	m.	m.	NOUN
faba-184	185	33	t.	t.	PROPN
faba-184	185	34	masetshaba	masetshaba	PROPN
faba-184	185	35	/	/	SYM
faba-184	185	36	finance	finance	NOUN
faba-184	185	37	,	,	PUNCT
faba-184	185	38	accounting	accounting	NOUN
faba-184	185	39	and	and	CCONJ
faba-184	185	40	business	business	NOUN
faba-184	185	41	analysis	analysis	NOUN
faba-184	185	42	,	,	PUNCT
faba-184	185	43	volume	volume	NOUN
faba-184	185	44	6	6	NUM
faba-184	185	45	,	,	PUNCT
faba-184	185	46	issue	issue	NOUN
faba-184	185	47	1	1	NUM
faba-184	185	48	,	,	PUNCT
faba-184	185	49	2024	2024	NUM
faba-184	185	50	95	95	NUM
faba-184	185	51	that	that	PRON
faba-184	185	52	variables	variable	NOUN
faba-184	185	53	that	that	PRON
faba-184	185	54	are	be	AUX
faba-184	185	55	i(2	i(2	PROPN
faba-184	185	56	)	)	PUNCT
faba-184	185	57	were	be	AUX
faba-184	185	58	not	not	PART
faba-184	185	59	present	present	ADJ
faba-184	185	60	.	.	PUNCT
faba-184	186	1	the	the	DET
faba-184	186	2	findings	finding	NOUN
faba-184	186	3	of	of	ADP
faba-184	186	4	ardl	ardl	NOUN
faba-184	186	5	show	show	VERB
faba-184	186	6	that	that	SCONJ
faba-184	186	7	the	the	DET
faba-184	186	8	value	value	NOUN
faba-184	186	9	of	of	ADP
faba-184	186	10	the	the	DET
faba-184	186	11	f	f	NOUN
faba-184	186	12	-	-	PUNCT
faba-184	186	13	statistic	statistic	NOUN
faba-184	186	14	for	for	ADP
faba-184	186	15	all	all	DET
faba-184	186	16	three	three	NUM
faba-184	186	17	models	model	NOUN
faba-184	186	18	(	(	PUNCT
faba-184	186	19	stokvsav	stokvsav	PROPN
faba-184	186	20	,	,	PUNCT
faba-184	186	21	gdp	gdp	NOUN
faba-184	186	22	and	and	CCONJ
faba-184	186	23	m3	m3	PROPN
faba-184	186	24	)	)	PUNCT
faba-184	186	25	are	be	AUX
faba-184	186	26	greater	great	ADJ
faba-184	186	27	than	than	ADP
faba-184	186	28	the	the	DET
faba-184	186	29	upper	upper	ADV
faba-184	186	30	-	-	PUNCT
faba-184	186	31	bound	bind	VERB
faba-184	186	32	critical	critical	ADJ
faba-184	186	33	values	value	NOUN
faba-184	186	34	suggesting	suggest	VERB
faba-184	186	35	that	that	SCONJ
faba-184	186	36	the	the	DET
faba-184	186	37	null	null	ADJ
faba-184	186	38	hypothesis	hypothesis	NOUN
faba-184	186	39	can	can	AUX
faba-184	186	40	be	be	AUX
faba-184	186	41	rejected	reject	VERB
faba-184	186	42	.	.	PUNCT
faba-184	187	1	the	the	DET
faba-184	187	2	asymmetry	asymmetry	NOUN
faba-184	187	3	results	result	NOUN
faba-184	187	4	revealed	reveal	VERB
faba-184	187	5	that	that	SCONJ
faba-184	187	6	in	in	ADP
faba-184	187	7	the	the	DET
faba-184	187	8	long	long	ADV
faba-184	187	9	-	-	PUNCT
faba-184	187	10	run	run	VERB
faba-184	187	11	equilibrium	equilibrium	NOUN
faba-184	187	12	due	due	ADP
faba-184	187	13	to	to	ADP
faba-184	187	14	negative	negative	ADJ
faba-184	187	15	and	and	CCONJ
faba-184	187	16	positive	positive	ADJ
faba-184	187	17	shocks	shock	NOUN
faba-184	187	18	in	in	ADP
faba-184	187	19	stokvsav	stokvsav	NOUN
faba-184	187	20	was	be	AUX
faba-184	187	21	examined	examine	VERB
faba-184	187	22	using	use	VERB
faba-184	187	23	bsl	bsl	NOUN
faba-184	187	24	as	as	ADP
faba-184	187	25	the	the	DET
faba-184	187	26	dependent	dependent	ADJ
faba-184	187	27	variable	variable	NOUN
faba-184	187	28	,	,	PUNCT
faba-184	187	29	all	all	DET
faba-184	187	30	the	the	DET
faba-184	187	31	explanatory	explanatory	ADJ
faba-184	187	32	variables	variable	NOUN
faba-184	187	33	were	be	AUX
faba-184	187	34	found	find	VERB
faba-184	187	35	to	to	PART
faba-184	187	36	be	be	AUX
faba-184	187	37	statistically	statistically	ADV
faba-184	187	38	insignificant	insignificant	ADJ
faba-184	187	39	in	in	ADP
faba-184	187	40	explaining	explain	VERB
faba-184	187	41	banking	banking	NOUN
faba-184	187	42	sector	sector	NOUN
faba-184	187	43	development	development	NOUN
faba-184	187	44	implying	imply	VERB
faba-184	187	45	that	that	SCONJ
faba-184	187	46	the	the	DET
faba-184	187	47	n	n	CCONJ
faba-184	187	48	-	-	PUNCT
faba-184	187	49	ardl	ardl	NOUN
faba-184	187	50	is	be	AUX
faba-184	187	51	not	not	PART
faba-184	187	52	an	an	DET
faba-184	187	53	appropriate	appropriate	ADJ
faba-184	187	54	model	model	NOUN
faba-184	187	55	for	for	ADP
faba-184	187	56	predicting	predict	VERB
faba-184	187	57	banking	banking	NOUN
faba-184	187	58	sector	sector	NOUN
faba-184	187	59	development	development	NOUN
faba-184	187	60	proxied	proxie	VERB
faba-184	187	61	by	by	ADP
faba-184	187	62	bsl	bsl	PROPN
faba-184	187	63	.	.	PROPN
faba-184	187	64	similar	similar	ADJ
faba-184	187	65	results	result	NOUN
faba-184	187	66	obtained	obtain	VERB
faba-184	187	67	when	when	SCONJ
faba-184	187	68	using	use	VERB
faba-184	187	69	multipliers	multiplier	NOUN
faba-184	187	70	that	that	SCONJ
faba-184	187	71	in	in	ADP
faba-184	187	72	the	the	DET
faba-184	187	73	long	long	ADV
faba-184	187	74	-	-	PUNCT
faba-184	187	75	run	run	NOUN
faba-184	187	76	,	,	PUNCT
faba-184	187	77	when	when	SCONJ
faba-184	187	78	bsl	bsl	PROPN
faba-184	187	79	is	be	AUX
faba-184	187	80	the	the	DET
faba-184	187	81	dependent	dependent	ADJ
faba-184	187	82	variable	variable	NOUN
faba-184	187	83	,	,	PUNCT
faba-184	187	84	any	any	DET
faba-184	187	85	positive	positive	ADJ
faba-184	187	86	or	or	CCONJ
faba-184	187	87	negative	negative	ADJ
faba-184	187	88	changes	change	NOUN
faba-184	187	89	in	in	ADP
faba-184	187	90	stokvel	stokvel	ADJ
faba-184	187	91	savings	saving	NOUN
faba-184	187	92	(	(	PUNCT
faba-184	187	93	stokvsav+	stokvsav+	NOUN
faba-184	187	94	or	or	CCONJ
faba-184	187	95	stokvsav-	stokvsav-	NOUN
faba-184	187	96	)	)	PUNCT
faba-184	187	97	do	do	AUX
faba-184	187	98	not	not	PART
faba-184	187	99	significantly	significantly	ADV
faba-184	187	100	impact	impact	VERB
faba-184	187	101	bsl	bsl	PROPN
faba-184	187	102	.	.	PUNCT
faba-184	188	1	the	the	DET
faba-184	188	2	same	same	ADJ
faba-184	188	3	is	be	AUX
faba-184	188	4	observed	observe	VERB
faba-184	188	5	for	for	ADP
faba-184	188	6	gross	gross	ADJ
faba-184	188	7	domestic	domestic	ADJ
faba-184	188	8	product	product	NOUN
faba-184	188	9	growth	growth	NOUN
faba-184	188	10	and	and	CCONJ
faba-184	188	11	money	money	NOUN
faba-184	188	12	supply	supply	NOUN
faba-184	188	13	(	(	PUNCT
faba-184	188	14	gdpg+	gdpg+	X
faba-184	188	15	or	or	CCONJ
faba-184	188	16	gdpg-	gdpg-	X
faba-184	188	17	;	;	PUNCT
faba-184	188	18	m3	m3	PROPN
faba-184	188	19	+	+	NUM
faba-184	188	20	or	or	CCONJ
faba-184	188	21	m3	m3	PROPN
faba-184	188	22	)	)	PUNCT
faba-184	188	23	.	.	PUNCT
faba-184	189	1	n	n	CCONJ
faba-184	189	2	-	-	PUNCT
faba-184	189	3	ardl	ardl	NOUN
faba-184	189	4	is	be	AUX
faba-184	189	5	not	not	PART
faba-184	189	6	the	the	DET
faba-184	189	7	best	good	ADJ
faba-184	189	8	model	model	NOUN
faba-184	189	9	to	to	PART
faba-184	189	10	detect	detect	VERB
faba-184	189	11	the	the	DET
faba-184	189	12	presence	presence	NOUN
faba-184	189	13	of	of	ADP
faba-184	189	14	a	a	DET
faba-184	189	15	long	long	ADV
faba-184	189	16	-	-	PUNCT
faba-184	189	17	run	run	NOUN
faba-184	189	18	relationship	relationship	NOUN
faba-184	189	19	between	between	ADP
faba-184	189	20	bsl	bsl	NOUN
faba-184	189	21	and	and	CCONJ
faba-184	189	22	stokvsav	stokvsav	PROPN
faba-184	189	23	,	,	PUNCT
faba-184	189	24	gdpg	gdpg	ADJ
faba-184	189	25	and	and	CCONJ
faba-184	189	26	m3	m3	PROPN
faba-184	189	27	,	,	PUNCT
faba-184	189	28	which	which	PRON
faba-184	189	29	are	be	AUX
faba-184	189	30	used	use	VERB
faba-184	189	31	as	as	ADP
faba-184	189	32	the	the	DET
faba-184	189	33	independent	independent	ADJ
faba-184	189	34	variables	variable	NOUN
faba-184	189	35	.	.	PUNCT
faba-184	190	1	the	the	DET
faba-184	190	2	study	study	NOUN
faba-184	190	3	suggests	suggest	VERB
faba-184	190	4	that	that	SCONJ
faba-184	190	5	stokvsav	stokvsav	NOUN
faba-184	190	6	can	can	AUX
faba-184	190	7	provide	provide	VERB
faba-184	190	8	the	the	DET
faba-184	190	9	opportunity	opportunity	NOUN
faba-184	190	10	for	for	SCONJ
faba-184	190	11	the	the	DET
faba-184	190	12	south	south	ADJ
faba-184	190	13	african	african	ADJ
faba-184	190	14	government	government	NOUN
faba-184	190	15	and	and	CCONJ
faba-184	190	16	formal	formal	ADJ
faba-184	190	17	financial	financial	ADJ
faba-184	190	18	/	/	SYM
faba-184	190	19	banking	banking	NOUN
faba-184	190	20	sector	sector	NOUN
faba-184	190	21	to	to	PART
faba-184	190	22	develop	develop	VERB
faba-184	190	23	mutually	mutually	ADV
faba-184	190	24	beneficial	beneficial	ADJ
faba-184	190	25	relationships	relationship	NOUN
faba-184	190	26	or	or	CCONJ
faba-184	190	27	linkages	linkage	NOUN
faba-184	190	28	to	to	PART
faba-184	190	29	make	make	VERB
faba-184	190	30	such	such	ADJ
faba-184	190	31	stokvsav	stokvsav	NOUN
faba-184	190	32	more	more	ADV
faba-184	190	33	effective	effective	ADJ
faba-184	190	34	and	and	CCONJ
faba-184	190	35	efficient	efficient	ADJ
faba-184	190	36	in	in	ADP
faba-184	190	37	mobilising	mobilise	VERB
faba-184	190	38	savings	saving	NOUN
faba-184	190	39	and	and	CCONJ
faba-184	190	40	advancing	advance	VERB
faba-184	190	41	credit	credit	NOUN
faba-184	190	42	to	to	ADP
faba-184	190	43	the	the	DET
faba-184	190	44	lowand	lowand	ADJ
faba-184	190	45	middleincome	middleincome	PROPN
faba-184	190	46	households	household	NOUN
faba-184	190	47	.	.	PUNCT
faba-184	191	1	acknowledgments	acknowledgment	NOUN
faba-184	191	2	this	this	DET
faba-184	191	3	research	research	NOUN
faba-184	191	4	paper	paper	NOUN
faba-184	191	5	is	be	AUX
faba-184	191	6	a	a	DET
faba-184	191	7	product	product	NOUN
faba-184	191	8	of	of	ADP
faba-184	191	9	my	my	PRON
faba-184	191	10	unpublished	unpublished	ADJ
faba-184	191	11	doctor	doctor	NOUN
faba-184	191	12	of	of	ADP
faba-184	191	13	philosophy	philosophy	NOUN
faba-184	191	14	’s	’s	PART
faba-184	191	15	degree	degree	NOUN
faba-184	191	16	2023	2023	NUM
faba-184	191	17	thesis	thesis	NOUN
faba-184	191	18	entitled	entitle	VERB
faba-184	191	19	:	:	PUNCT
faba-184	191	20	“	"	PUNCT
faba-184	191	21	the	the	DET
faba-184	191	22	role	role	NOUN
faba-184	191	23	of	of	ADP
faba-184	191	24	stokvels	stokvel	NOUN
faba-184	191	25	in	in	ADP
faba-184	191	26	banking	banking	NOUN
faba-184	191	27	sector	sector	NOUN
faba-184	191	28	development	development	NOUN
faba-184	191	29	in	in	ADP
faba-184	191	30	south	south	PROPN
faba-184	191	31	africa	africa	PROPN
faba-184	191	32	”	"	PUNCT
faba-184	191	33	.	.	PUNCT
faba-184	192	1	this	this	DET
faba-184	192	2	thesis	thesis	NOUN
faba-184	192	3	may	may	AUX
faba-184	192	4	be	be	AUX
faba-184	192	5	found	find	VERB
faba-184	192	6	in	in	ADP
faba-184	192	7	the	the	DET
faba-184	192	8	unisa	unisa	NOUN
faba-184	192	9	repository	repository	NOUN
faba-184	192	10	but	but	CCONJ
faba-184	192	11	is	be	AUX
faba-184	192	12	unpublished	unpublished	ADJ
faba-184	192	13	material	material	NOUN
faba-184	192	14	.	.	PUNCT
faba-184	193	1	references	reference	NOUN
faba-184	193	2	andriamahery	andriamahery	PROPN
faba-184	193	3	,	,	PUNCT
faba-184	193	4	a.	a.	NOUN
faba-184	193	5	,	,	PUNCT
faba-184	193	6	and	and	CCONJ
faba-184	193	7	m.	m.	NOUN
faba-184	193	8	qamruzzaman	qamruzzaman	PROPN
faba-184	193	9	.	.	PUNCT
faba-184	194	1	2022	2022	NUM
faba-184	194	2	.	.	PUNCT
faba-184	195	1	a	a	DET
faba-184	195	2	symmetry	symmetry	NOUN
faba-184	195	3	and	and	CCONJ
faba-184	195	4	asymmetry	asymmetry	NOUN
faba-184	195	5	investigation	investigation	NOUN
faba-184	195	6	of	of	ADP
faba-184	195	7	the	the	DET
faba-184	195	8	nexus	nexus	NOUN
faba-184	195	9	between	between	ADP
faba-184	195	10	environmental	environmental	ADJ
faba-184	195	11	sustainability	sustainability	NOUN
faba-184	195	12	,	,	PUNCT
faba-184	195	13	renewable	renewable	ADJ
faba-184	195	14	energy	energy	NOUN
faba-184	195	15	,	,	PUNCT
faba-184	195	16	energy	energy	NOUN
faba-184	195	17	innovation	innovation	NOUN
faba-184	195	18	,	,	PUNCT
faba-184	195	19	and	and	CCONJ
faba-184	195	20	trade	trade	NOUN
faba-184	195	21	:	:	PUNCT
faba-184	195	22	evidence	evidence	NOUN
faba-184	195	23	from	from	ADP
faba-184	195	24	environmental	environmental	ADJ
faba-184	195	25	kuznets	kuznet	NOUN
faba-184	195	26	curve	curve	NOUN
faba-184	195	27	hypothesis	hypothesis	NOUN
faba-184	195	28	in	in	ADP
faba-184	195	29	selected	select	VERB
faba-184	195	30	mena	mena	PROPN
faba-184	195	31	countries	countries	PROPN
faba-184	195	32	.	.	PUNCT
faba-184	196	1	frontiers	frontier	NOUN
faba-184	196	2	in	in	ADP
faba-184	196	3	energy	energy	NOUN
faba-184	196	4	research	research	NOUN
faba-184	196	5	,	,	PUNCT
faba-184	196	6	9(1	9(1	NUM
faba-184	196	7	):	):	PUNCT
faba-184	196	8	1–22	1–22	PROPN
faba-184	196	9	.	.	PUNCT
faba-184	196	10	ardener	ardener	PROPN
faba-184	196	11	,	,	PUNCT
faba-184	196	12	s.	s.	PROPN
faba-184	196	13	1964	1964	NUM
faba-184	196	14	.	.	PUNCT
faba-184	197	1	the	the	DET
faba-184	197	2	comparative	comparative	ADJ
faba-184	197	3	study	study	NOUN
faba-184	197	4	of	of	ADP
faba-184	197	5	rotating	rotate	VERB
faba-184	197	6	credit	credit	NOUN
faba-184	197	7	associations	association	NOUN
faba-184	197	8	.	.	PUNCT
faba-184	198	1	the	the	DET
faba-184	198	2	journal	journal	NOUN
faba-184	198	3	of	of	ADP
faba-184	198	4	the	the	DET
faba-184	198	5	royal	royal	ADJ
faba-184	198	6	anthropological	anthropological	PROPN
faba-184	198	7	institute	institute	NOUN
faba-184	198	8	of	of	ADP
faba-184	198	9	great	great	PROPN
faba-184	198	10	britain	britain	PROPN
faba-184	198	11	and	and	CCONJ
faba-184	198	12	ireland	ireland	PROPN
faba-184	198	13	,	,	PUNCT
faba-184	198	14	94(2	94(2	NUM
faba-184	198	15	):	):	PUNCT
faba-184	198	16	201–229	201–229	NUM
faba-184	198	17	.	.	PUNCT
faba-184	199	1	atamja	atamja	PROPN
faba-184	199	2	,	,	PUNCT
faba-184	199	3	l.	l.	PROPN
faba-184	199	4	,	,	PUNCT
faba-184	199	5	and	and	CCONJ
faba-184	199	6	s.	s.	PROPN
faba-184	199	7	yoo	yoo	PROPN
faba-184	199	8	.	.	PROPN
faba-184	199	9	2021	2021	NUM
faba-184	199	10	.	.	PUNCT
faba-184	200	1	credit	credit	NOUN
faba-184	200	2	constraint	constraint	NOUN
faba-184	200	3	and	and	CCONJ
faba-184	200	4	rural	rural	ADJ
faba-184	200	5	household	household	NOUN
faba-184	200	6	welfare	welfare	NOUN
faba-184	200	7	in	in	ADP
faba-184	200	8	the	the	DET
faba-184	200	9	mezam	mezam	NOUN
faba-184	200	10	division	division	NOUN
faba-184	200	11	of	of	ADP
faba-184	200	12	the	the	DET
faba-184	200	13	north	north	NOUN
faba-184	200	14	-	-	PUNCT
faba-184	200	15	west	west	NOUN
faba-184	200	16	region	region	NOUN
faba-184	200	17	of	of	ADP
faba-184	200	18	cameroon	cameroon	PROPN
faba-184	200	19	.	.	PUNCT
faba-184	201	1	sustainability	sustainability	NOUN
faba-184	201	2	,	,	PUNCT
faba-184	201	3	13(5964	13(5964	NUM
faba-184	201	4	):	):	PUNCT
faba-184	201	5	1–19	1–19	PROPN
faba-184	201	6	.	.	PUNCT
faba-184	202	1	https://doi.org/10.3390/su13115964	https://doi.org/10.3390/su13115964	PROPN
faba-184	202	2	beck	beck	PROPN
faba-184	202	3	,	,	PUNCT
faba-184	202	4	t.	t.	PROPN
faba-184	202	5	,	,	PUNCT
faba-184	202	6	k.	k.	PROPN
faba-184	202	7	kibuuka	kibuuka	PROPN
faba-184	202	8	,	,	PUNCT
faba-184	202	9	and	and	CCONJ
faba-184	202	10	e.	e.	PROPN
faba-184	202	11	tiongson	tiongson	PROPN
faba-184	202	12	.	.	PUNCT
faba-184	203	1	2010	2010	NUM
faba-184	203	2	.	.	PUNCT
faba-184	204	1	mortgage	mortgage	NOUN
faba-184	204	2	finance	finance	NOUN
faba-184	204	3	in	in	ADP
faba-184	204	4	central	central	ADJ
faba-184	204	5	and	and	CCONJ
faba-184	204	6	eastern	eastern	ADJ
faba-184	204	7	europe	europe	PROPN
faba-184	204	8	:	:	PUNCT
faba-184	204	9	opportunity	opportunity	NOUN
faba-184	204	10	or	or	CCONJ
faba-184	204	11	burden	burden	NOUN
faba-184	204	12	?	?	PUNCT
faba-184	205	1	world	world	NOUN
faba-184	205	2	bank	bank	PROPN
faba-184	205	3	policy	policy	NOUN
faba-184	205	4	research	research	NOUN
faba-184	205	5	working	working	NOUN
faba-184	205	6	paper	paper	NOUN
faba-184	205	7	5202	5202	NUM
faba-184	205	8	:	:	PUNCT
faba-184	206	1	1–90	1–90	VERB
faba-184	206	2	.	.	PUNCT
faba-184	207	1	bime	bime	NOUN
faba-184	207	2	,	,	PUNCT
faba-184	207	3	m.	m.	NOUN
faba-184	207	4	j.	j.	PROPN
faba-184	207	5	,	,	PUNCT
faba-184	207	6	and	and	CCONJ
faba-184	207	7	m.	m.	NOUN
faba-184	207	8	mbanasor	mbanasor	NOUN
faba-184	207	9	.	.	PUNCT
faba-184	208	1	2019	2019	NUM
faba-184	208	2	.	.	PUNCT
faba-184	209	1	determinants	determinant	NOUN
faba-184	209	2	of	of	ADP
faba-184	209	3	informal	informal	ADJ
faba-184	209	4	savings	saving	NOUN
faba-184	209	5	amongst	amongst	ADP
faba-184	209	6	vegetable	vegetable	NOUN
faba-184	209	7	farmers	farmer	NOUN
faba-184	209	8	in	in	ADP
faba-184	209	9	the	the	DET
faba-184	209	10	north	north	NOUN
faba-184	209	11	west	west	PROPN
faba-184	209	12	region	region	PROPN
faba-184	209	13	,	,	PUNCT
faba-184	209	14	cameroon	cameroon	PROPN
faba-184	209	15	.	.	PUNCT
faba-184	210	1	international	international	ADJ
faba-184	210	2	journal	journal	PROPN
faba-184	210	3	of	of	ADP
faba-184	210	4	agricultural	agricultural	ADJ
faba-184	210	5	economics	economic	NOUN
faba-184	210	6	and	and	CCONJ
faba-184	210	7	extension	extension	NOUN
faba-184	210	8	,	,	PUNCT
faba-184	210	9	7(3	7(3	NUM
faba-184	210	10	):	):	PUNCT
faba-184	210	11	1	1	NUM
faba-184	210	12	-	-	SYM
faba-184	210	13	5	5	NUM
faba-184	210	14	.	.	PUNCT
faba-184	210	15	biyase	biyase	NOUN
faba-184	210	16	,	,	PUNCT
faba-184	210	17	m.	m.	NOUN
faba-184	210	18	,	,	PUNCT
faba-184	210	19	and	and	CCONJ
faba-184	210	20	b.	b.	PROPN
faba-184	210	21	fisher	fisher	PROPN
faba-184	210	22	.	.	PUNCT
faba-184	211	1	2017	2017	NUM
faba-184	211	2	.	.	PUNCT
faba-184	212	1	determinants	determinant	NOUN
faba-184	212	2	of	of	ADP
faba-184	212	3	access	access	NOUN
faba-184	212	4	to	to	ADP
faba-184	212	5	formal	formal	ADJ
faba-184	212	6	credit	credit	NOUN
faba-184	212	7	by	by	ADP
faba-184	212	8	the	the	DET
faba-184	212	9	poor	poor	ADJ
faba-184	212	10	households	household	NOUN
faba-184	212	11	.	.	PUNCT
faba-184	213	1	studia	studia	PROPN
faba-184	213	2	universitatis	universitatis	PROPN
faba-184	213	3	babes	babes	PROPN
faba-184	213	4	-	-	PUNCT
faba-184	213	5	bolyai	bolyai	NOUN
faba-184	213	6	oeconomica	oeconomica	NOUN
faba-184	213	7	,	,	PUNCT
faba-184	213	8	62(1	62(1	NOUN
faba-184	213	9	):	):	PUNCT
faba-184	213	10	50–60	50–60	PROPN
faba-184	213	11	.	.	PUNCT
faba-184	213	12	bophela	bophela	PROPN
faba-184	213	13	,	,	PUNCT
faba-184	213	14	m.	m.	PROPN
faba-184	213	15	j.	j.	PROPN
faba-184	213	16	k.	k.	PROPN
faba-184	213	17	,	,	PUNCT
faba-184	213	18	and	and	CCONJ
faba-184	213	19	n.	n.	PROPN
faba-184	213	20	khumalo	khumalo	PROPN
faba-184	213	21	.	.	PUNCT
faba-184	214	1	2019	2019	NUM
faba-184	214	2	.	.	PUNCT
faba-184	215	1	the	the	DET
faba-184	215	2	role	role	NOUN
faba-184	215	3	of	of	ADP
faba-184	215	4	stokvels	stokvel	NOUN
faba-184	215	5	in	in	ADP
faba-184	215	6	south	south	PROPN
faba-184	215	7	africa	africa	PROPN
faba-184	215	8	:	:	PUNCT
faba-184	215	9	a	a	DET
faba-184	215	10	case	case	NOUN
faba-184	215	11	of	of	ADP
faba-184	215	12	economic	economic	ADJ
faba-184	215	13	transformation	transformation	NOUN
faba-184	215	14	of	of	ADP
faba-184	215	15	a	a	DET
faba-184	215	16	municipality	municipality	NOUN
faba-184	215	17	.	.	PUNCT
faba-184	216	1	problems	problem	NOUN
faba-184	216	2	and	and	CCONJ
faba-184	216	3	perspectives	perspective	NOUN
faba-184	216	4	in	in	ADP
faba-184	216	5	management	management	NOUN
faba-184	216	6	,	,	PUNCT
faba-184	216	7	17(4	17(4	NUM
faba-184	216	8	):	):	PUNCT
faba-184	216	9	26–37	26–37	ADJ
faba-184	216	10	.	.	PUNCT
faba-184	217	1	https://doi.org/10.21511/ppm.17(4).2019.03	https://doi.org/10.21511/ppm.17(4).2019.03	PROPN
faba-184	217	2	bozzoli	bozzoli	PROPN
faba-184	217	3	,	,	PUNCT
faba-184	217	4	b.	b.	PROPN
faba-184	217	5	1991	1991	NUM
faba-184	217	6	.	.	PUNCT
faba-184	218	1	women	woman	NOUN
faba-184	218	2	of	of	ADP
faba-184	218	3	phokeng	phokeng	PROPN
faba-184	218	4	:	:	PUNCT
faba-184	218	5	consciousness	consciousness	NOUN
faba-184	218	6	,	,	PUNCT
faba-184	218	7	life	life	NOUN
faba-184	218	8	strategy	strategy	NOUN
faba-184	218	9	and	and	CCONJ
faba-184	218	10	migrancy	migrancy	NOUN
faba-184	218	11	in	in	ADP
faba-184	218	12	south	south	PROPN
faba-184	218	13	africa	africa	PROPN
faba-184	218	14	,	,	PUNCT
faba-184	218	15	1900	1900	NUM
faba-184	218	16	-	-	SYM
faba-184	218	17	1983	1983	NUM
faba-184	218	18	.	.	PUNCT
faba-184	218	19	available	available	ADJ
faba-184	218	20	from	from	ADP
faba-184	218	21	:	:	PUNCT
faba-184	218	22	http://hdl.handle.net/10394/5402	http://hdl.handle.net/10394/5402	PROPN
faba-184	218	23	chineka	chineka	PROPN
faba-184	218	24	,	,	PUNCT
faba-184	218	25	t.	t.	PROPN
faba-184	218	26	s.	s.	PROPN
faba-184	218	27	,	,	PUNCT
faba-184	218	28	and	and	CCONJ
faba-184	218	29	e.	e.	PROPN
faba-184	218	30	mtetwa	mtetwa	PROPN
faba-184	218	31	.	.	PUNCT
faba-184	218	32	2021	2021	NUM
faba-184	218	33	.	.	PUNCT
faba-184	219	1	savings	saving	NOUN
faba-184	219	2	and	and	CCONJ
faba-184	219	3	credit	credit	NOUN
faba-184	219	4	schemes	scheme	NOUN
faba-184	219	5	(	(	PUNCT
faba-184	219	6	scss	scss	PROPN
faba-184	219	7	):	):	PUNCT
faba-184	219	8	towards	towards	ADP
faba-184	219	9	an	an	DET
faba-184	219	10	informal	informal	ADJ
faba-184	219	11	sector	sector	NOUN
faba-184	219	12	poverty	poverty	NOUN
faba-184	219	13	alleviation	alleviation	NOUN
faba-184	219	14	strategy	strategy	NOUN
faba-184	219	15	for	for	ADP
faba-184	219	16	zimbabwe	zimbabwe	PROPN
faba-184	219	17	.	.	PUNCT
faba-184	220	1	african	african	ADJ
faba-184	220	2	journal	journal	PROPN
faba-184	220	3	of	of	ADP
faba-184	220	4	social	social	ADJ
faba-184	220	5	work	work	NOUN
faba-184	220	6	,	,	PUNCT
faba-184	220	7	11(6	11(6	NUM
faba-184	220	8	):	):	PUNCT
faba-184	220	9	403–411	403–411	NUM
faba-184	220	10	.	.	PUNCT
faba-184	220	11	damodaram	damodaram	PROPN
faba-184	220	12	,	,	PUNCT
faba-184	220	13	a.	a.	NOUN
faba-184	220	14	2013	2013	NUM
faba-184	220	15	.	.	PUNCT
faba-184	221	1	financial	financial	ADJ
faba-184	221	2	inclusion	inclusion	NOUN
faba-184	221	3	:	:	PUNCT
faba-184	221	4	issues	issue	NOUN
faba-184	221	5	and	and	CCONJ
faba-184	221	6	challenges	challenge	NOUN
faba-184	221	7	.	.	PUNCT
faba-184	222	1	akgec	akgec	VERB
faba-184	222	2	international	international	PROPN
faba-184	222	3	journal	journal	PROPN
faba-184	222	4	of	of	ADP
faba-184	222	5	technology	technology	NOUN
faba-184	222	6	,	,	PUNCT
faba-184	222	7	4(2	4(2	NUM
faba-184	222	8	):	):	PUNCT
faba-184	222	9	54	54	NUM
faba-184	222	10	-	-	SYM
faba-184	222	11	59	59	NUM
faba-184	222	12	.	.	PUNCT
faba-184	223	1	dupas	dupa	NOUN
faba-184	223	2	,	,	PUNCT
faba-184	223	3	p.	p.	NOUN
faba-184	223	4	,	,	PUNCT
faba-184	223	5	karlan	karlan	PROPN
faba-184	223	6	,	,	PUNCT
faba-184	223	7	d.	d.	PROPN
faba-184	223	8	,	,	PUNCT
faba-184	223	9	robinson	robinson	PROPN
faba-184	223	10	,	,	PUNCT
faba-184	223	11	j.	j.	PROPN
faba-184	223	12	,	,	PUNCT
faba-184	223	13	and	and	CCONJ
faba-184	223	14	d.	d.	PROPN
faba-184	223	15	ubfal	ubfal	PROPN
faba-184	223	16	.	.	PUNCT
faba-184	224	1	2018	2018	NUM
faba-184	224	2	.	.	PUNCT
faba-184	225	1	banking	bank	VERB
faba-184	225	2	the	the	DET
faba-184	225	3	unbanked	unbanked	ADJ
faba-184	225	4	?	?	PUNCT
faba-184	226	1	evidence	evidence	NOUN
faba-184	226	2	from	from	ADP
faba-184	226	3	three	three	NUM
faba-184	226	4	countries	country	NOUN
faba-184	226	5	.	.	PUNCT
faba-184	227	1	american	american	ADJ
faba-184	227	2	economic	economic	PROPN
faba-184	227	3	journal	journal	PROPN
faba-184	227	4	:	:	PUNCT
faba-184	227	5	applied	apply	VERB
faba-184	227	6	economics	economic	NOUN
faba-184	227	7	,	,	PUNCT
faba-184	227	8	10(2	10(2	NUM
faba-184	227	9	):	):	PUNCT
faba-184	227	10	257–297	257–297	NUM
faba-184	227	11	.	.	PUNCT
faba-184	228	1	https://doi.org/10.1257/app.20160597	https://doi.org/10.1257/app.20160597	ADJ
faba-184	228	2	duvendack	duvendack	NOUN
faba-184	228	3	,	,	PUNCT
faba-184	228	4	m.	m.	NOUN
faba-184	228	5	,	,	PUNCT
faba-184	228	6	and	and	CCONJ
faba-184	228	7	p.	p.	NOUN
faba-184	228	8	mader	mader	NOUN
faba-184	228	9	.	.	PUNCT
faba-184	228	10	2019	2019	NUM
faba-184	228	11	.	.	PUNCT
faba-184	229	1	impact	impact	NOUN
faba-184	229	2	of	of	ADP
faba-184	229	3	financial	financial	ADJ
faba-184	229	4	inclusion	inclusion	NOUN
faba-184	229	5	in	in	ADP
faba-184	229	6	lowand	lowand	ADJ
faba-184	229	7	middle	middle	ADJ
faba-184	229	8	-	-	PUNCT
faba-184	229	9	income	income	NOUN
faba-184	229	10	countries	country	NOUN
faba-184	229	11	:	:	PUNCT
faba-184	229	12	a	a	DET
faba-184	229	13	systematic	systematic	ADJ
faba-184	229	14	review	review	NOUN
faba-184	229	15	of	of	ADP
faba-184	229	16	reviews	review	NOUN
faba-184	229	17	.	.	PUNCT
faba-184	230	1	campbell	campbell	PROPN
faba-184	230	2	systematic	systematic	ADJ
faba-184	230	3	reviews	review	NOUN
faba-184	230	4	,	,	PUNCT
faba-184	230	5	1–57	1–57	PROPN
faba-184	230	6	.	.	PUNCT
faba-184	231	1	https://doi.org/10.4073/csr.2019.2	https://doi.org/10.4073/csr.2019.2	PROPN
faba-184	231	2	floro	floro	PROPN
faba-184	231	3	,	,	PUNCT
faba-184	231	4	m.	m.	NOUN
faba-184	231	5	s.	s.	PROPN
faba-184	231	6	,	,	PUNCT
faba-184	231	7	and	and	CCONJ
faba-184	231	8	s.	s.	PROPN
faba-184	231	9	seguino	seguino	PROPN
faba-184	231	10	.	.	PUNCT
faba-184	232	1	2002	2002	NUM
faba-184	232	2	.	.	PUNCT
faba-184	233	1	gender	gender	NOUN
faba-184	233	2	effects	effect	NOUN
faba-184	233	3	on	on	ADP
faba-184	233	4	aggregate	aggregate	ADJ
faba-184	233	5	saving	saving	NOUN
faba-184	233	6	.	.	PUNCT
faba-184	234	1	policy	policy	NOUN
faba-184	234	2	research	research	NOUN
faba-184	234	3	report	report	NOUN
faba-184	234	4	on	on	ADP
faba-184	234	5	gender	gender	NOUN
faba-184	234	6	and	and	CCONJ
faba-184	234	7	development	development	NOUN
faba-184	234	8	.	.	PUNCT
faba-184	235	1	working	work	VERB
faba-184	235	2	paper	paper	NOUN
faba-184	235	3	series	series	NOUN
faba-184	235	4	,	,	PUNCT
faba-184	235	5	23	23	NUM
faba-184	235	6	.	.	PUNCT
faba-184	236	1	geertz	geertz	PROPN
faba-184	236	2	,	,	PUNCT
faba-184	236	3	c.	c.	PROPN
faba-184	236	4	1962	1962	NUM
faba-184	236	5	.	.	PUNCT
faba-184	237	1	the	the	DET
faba-184	237	2	rotating	rotate	VERB
faba-184	237	3	credit	credit	NOUN
faba-184	237	4	association	association	NOUN
faba-184	237	5	:	:	PUNCT
faba-184	237	6	a	a	DET
faba-184	237	7	‘	'	PUNCT
faba-184	237	8	middle	middle	ADJ
faba-184	237	9	rung	rung	NOUN
faba-184	237	10	’	'	PUNCT
faba-184	237	11	in	in	ADP
faba-184	237	12	development	development	NOUN
faba-184	237	13	.	.	PUNCT
faba-184	238	1	economic	economic	ADJ
faba-184	238	2	development	development	NOUN
faba-184	238	3	and	and	CCONJ
faba-184	238	4	cultural	cultural	ADJ
faba-184	238	5	change	change	NOUN
faba-184	238	6	,	,	PUNCT
faba-184	238	7	10(3	10(3	NUM
faba-184	238	8	):	):	PUNCT
faba-184	238	9	241–263	241–263	NUM
faba-184	238	10	.	.	PUNCT
faba-184	239	1	goncharuk	goncharuk	PROPN
faba-184	239	2	,	,	PUNCT
faba-184	239	3	a.	a.	NOUN
faba-184	239	4	2016	2016	NUM
faba-184	239	5	.	.	PUNCT
faba-184	240	1	banking	banking	NOUN
faba-184	240	2	sector	sector	NOUN
faba-184	240	3	challenges	challenge	NOUN
faba-184	240	4	in	in	ADP
faba-184	240	5	research	research	NOUN
faba-184	240	6	.	.	PUNCT
faba-184	241	1	journal	journal	NOUN
faba-184	241	2	of	of	ADP
faba-184	241	3	applied	apply	VERB
faba-184	241	4	management	management	NOUN
faba-184	241	5	and	and	CCONJ
faba-184	241	6	investment	investment	NOUN
faba-184	241	7	,	,	PUNCT
faba-184	241	8	5(1	5(1	NUM
faba-184	241	9	):	):	PUNCT
faba-184	241	10	1–6	1–6	NUM
faba-184	241	11	.	.	PUNCT
faba-184	241	12	https://doi.org/10.3390/su13115964	https://doi.org/10.3390/su13115964	X
faba-184	241	13	https://doi.org/10.21511/ppm.17(4).2019.03	https://doi.org/10.21511/ppm.17(4).2019.03	PROPN
faba-184	241	14	http://hdl.handle.net/10394/5402	http://hdl.handle.net/10394/5402	PROPN
faba-184	241	15	https://doi.org/10.1257/app.20160597	https://doi.org/10.1257/app.20160597	PROPN
faba-184	241	16	https://doi.org/10.4073/csr.2019.2	https://doi.org/10.4073/csr.2019.2	PROPN
faba-184	241	17	l.	l.	PROPN
faba-184	241	18	ngcobo	ngcobo	PROPN
faba-184	241	19	,	,	PUNCT
faba-184	241	20	j.	j.	PROPN
faba-184	241	21	chisasa	chisasa	PROPN
faba-184	241	22	,	,	PUNCT
faba-184	241	23	m.	m.	NOUN
faba-184	241	24	t.	t.	PROPN
faba-184	241	25	masetshaba	masetshaba	PROPN
faba-184	241	26	/	/	SYM
faba-184	241	27	finance	finance	NOUN
faba-184	241	28	,	,	PUNCT
faba-184	241	29	accounting	accounting	NOUN
faba-184	241	30	and	and	CCONJ
faba-184	241	31	business	business	NOUN
faba-184	241	32	analysis	analysis	NOUN
faba-184	241	33	,	,	PUNCT
faba-184	241	34	volume	volume	NOUN
faba-184	241	35	6	6	NUM
faba-184	241	36	,	,	PUNCT
faba-184	241	37	issue	issue	NOUN
faba-184	241	38	1	1	NUM
faba-184	241	39	,	,	PUNCT
faba-184	241	40	2024	2024	NUM
faba-184	241	41	96	96	NUM
faba-184	241	42	habumuremyi	habumuremyi	NOUN
faba-184	241	43	,	,	PUNCT
faba-184	241	44	p.	p.	PROPN
faba-184	241	45	d.	d.	PROPN
faba-184	241	46	,	,	PUNCT
faba-184	241	47	v.	v.	PROPN
faba-184	241	48	habamenshi	habamenshi	NOUN
faba-184	241	49	,	,	PUNCT
faba-184	241	50	and	and	CCONJ
faba-184	241	51	g.	g.	PROPN
faba-184	241	52	mvunabo	mvunabo	PROPN
faba-184	241	53	.	.	PUNCT
faba-184	242	1	2019	2019	NUM
faba-184	242	2	.	.	PUNCT
faba-184	243	1	village	village	NOUN
faba-184	243	2	savings	saving	NOUN
faba-184	243	3	and	and	CCONJ
faba-184	243	4	loan	loan	NOUN
faba-184	243	5	associations	association	NOUN
faba-184	243	6	and	and	CCONJ
faba-184	243	7	social	social	ADJ
faba-184	243	8	economic	economic	ADJ
faba-184	243	9	development	development	NOUN
faba-184	243	10	of	of	ADP
faba-184	243	11	poor	poor	ADJ
faba-184	243	12	households	household	NOUN
faba-184	243	13	in	in	ADP
faba-184	243	14	rwanda	rwanda	PROPN
faba-184	243	15	:	:	PUNCT
faba-184	243	16	a	a	DET
faba-184	243	17	case	case	NOUN
faba-184	243	18	of	of	ADP
faba-184	243	19	murundi	murundi	PROPN
faba-184	243	20	sector	sector	NOUN
faba-184	243	21	(	(	PUNCT
faba-184	243	22	2015	2015	NUM
faba-184	243	23	-	-	SYM
faba-184	243	24	2019	2019	NUM
faba-184	243	25	)	)	PUNCT
faba-184	243	26	.	.	PUNCT
faba-184	244	1	international	international	ADJ
faba-184	244	2	journal	journal	PROPN
faba-184	244	3	of	of	ADP
faba-184	244	4	chur	chur	PROPN
faba-184	244	5	research	research	PROPN
faba-184	244	6	academy	academy	PROPN
faba-184	244	7	(	(	PUNCT
faba-184	244	8	ijchura	ijchura	PROPN
faba-184	244	9	)	)	PUNCT
faba-184	244	10	,	,	PUNCT
faba-184	244	11	2(special	2(special	NUM
faba-184	244	12	issue	issue	NOUN
faba-184	244	13	bti	bti	NOUN
faba-184	244	14	):	):	PUNCT
faba-184	244	15	1–69	1–69	PROPN
faba-184	244	16	.	.	PUNCT
faba-184	245	1	handa	handa	PROPN
faba-184	245	2	,	,	PUNCT
faba-184	245	3	s.	s.	PROPN
faba-184	245	4	,	,	PUNCT
faba-184	245	5	and	and	CCONJ
faba-184	245	6	c.	c.	PROPN
faba-184	245	7	kirton	kirton	PROPN
faba-184	245	8	.	.	PUNCT
faba-184	246	1	1999	1999	NUM
faba-184	246	2	.	.	PUNCT
faba-184	247	1	the	the	DET
faba-184	247	2	economics	economic	NOUN
faba-184	247	3	of	of	ADP
faba-184	247	4	rotating	rotate	VERB
faba-184	247	5	savings	saving	NOUN
faba-184	247	6	and	and	CCONJ
faba-184	247	7	credit	credit	NOUN
faba-184	247	8	associations	association	NOUN
faba-184	247	9	:	:	PUNCT
faba-184	247	10	evidence	evidence	NOUN
faba-184	247	11	from	from	ADP
faba-184	247	12	the	the	DET
faba-184	247	13	jamaican	jamaican	ADJ
faba-184	247	14	‘	'	PUNCT
faba-184	247	15	partner	partner	NOUN
faba-184	247	16	’	'	PUNCT
faba-184	247	17	.	.	PUNCT
faba-184	248	1	journal	journal	PROPN
faba-184	248	2	of	of	ADP
faba-184	248	3	development	development	NOUN
faba-184	248	4	economics	economic	NOUN
faba-184	248	5	,	,	PUNCT
faba-184	248	6	60(1	60(1	NUM
faba-184	248	7	):	):	PUNCT
faba-184	248	8	173–194	173–194	NUM
faba-184	248	9	.	.	PUNCT
faba-184	249	1	james	james	PROPN
faba-184	249	2	,	,	PUNCT
faba-184	249	3	d.	d.	PROPN
faba-184	249	4	2014	2014	NUM
faba-184	249	5	.	.	PUNCT
faba-184	250	1	deeper	deeply	ADV
faba-184	250	2	into	into	ADP
faba-184	250	3	a	a	DET
faba-184	250	4	hole	hole	NOUN
faba-184	250	5	?	?	PUNCT
faba-184	251	1	borrowing	borrowing	NOUN
faba-184	251	2	and	and	CCONJ
faba-184	251	3	lending	lending	NOUN
faba-184	251	4	in	in	ADP
faba-184	251	5	south	south	PROPN
faba-184	251	6	africa	africa	PROPN
faba-184	251	7	.	.	PUNCT
faba-184	252	1	current	current	ADJ
faba-184	252	2	anthropology	anthropology	NOUN
faba-184	252	3	,	,	PUNCT
faba-184	252	4	55(s9	55(s9	NUM
faba-184	252	5	):	):	PUNCT
faba-184	252	6	s17	s17	PROPN
faba-184	252	7	–	–	PUNCT
faba-184	252	8	s29	s29	NOUN
faba-184	252	9	.	.	PUNCT
faba-184	253	1	http://doi.org/10.1086/676123	http://doi.org/10.1086/676123	PROPN
faba-184	253	2	james	james	PROPN
faba-184	253	3	,	,	PUNCT
faba-184	253	4	d.	d.	PROPN
faba-184	253	5	2015	2015	NUM
faba-184	253	6	.	.	PUNCT
faba-184	254	1	women	woman	NOUN
faba-184	254	2	use	use	VERB
faba-184	254	3	their	their	PRON
faba-184	254	4	strength	strength	NOUN
faba-184	254	5	in	in	ADP
faba-184	254	6	the	the	DET
faba-184	254	7	house	house	NOUN
faba-184	254	8	:	:	PUNCT
faba-184	254	9	savings	saving	NOUN
faba-184	254	10	clubs	club	NOUN
faba-184	254	11	in	in	ADP
faba-184	254	12	an	an	DET
faba-184	254	13	mpumalanga	mpumalanga	NOUN
faba-184	254	14	village	village	NOUN
faba-184	254	15	.	.	PUNCT
faba-184	255	1	journal	journal	PROPN
faba-184	255	2	of	of	ADP
faba-184	255	3	southern	southern	ADJ
faba-184	255	4	african	african	ADJ
faba-184	255	5	studies	study	NOUN
faba-184	255	6	,	,	PUNCT
faba-184	255	7	41(5	41(5	NUM
faba-184	255	8	):	):	PUNCT
faba-184	255	9	1035–1052	1035–1052	NUM
faba-184	255	10	.	.	PUNCT
faba-184	256	1	http://doi.org/10.1080/03057070.2015.1062263	http://doi.org/10.1080/03057070.2015.1062263	PROPN
faba-184	256	2	james	james	PROPN
faba-184	256	3	,	,	PUNCT
faba-184	256	4	d.	d.	PROPN
faba-184	256	5	2017	2017	NUM
faba-184	256	6	.	.	PUNCT
faba-184	257	1	deductions	deduction	NOUN
faba-184	257	2	and	and	CCONJ
faba-184	257	3	counter	counter	NOUN
faba-184	257	4	-	-	NOUN
faba-184	257	5	deductions	deduction	NOUN
faba-184	257	6	in	in	ADP
faba-184	257	7	south	south	PROPN
faba-184	257	8	africa	africa	PROPN
faba-184	257	9	.	.	PUNCT
faba-184	258	1	journal	journal	PROPN
faba-184	258	2	of	of	ADP
faba-184	258	3	ethnographic	ethnographic	PROPN
faba-184	258	4	theory	theory	NOUN
faba-184	258	5	,	,	PUNCT
faba-184	258	6	7(3	7(3	NUM
faba-184	258	7	):	):	PUNCT
faba-184	258	8	281–304	281–304	NUM
faba-184	258	9	.	.	PUNCT
faba-184	259	1	http://doi.org/10.14318/hau7.3.016	http://doi.org/10.14318/hau7.3.016	PROPN
faba-184	259	2	.	.	PUNCT
faba-184	260	1	johansen	johansen	PROPN
faba-184	260	2	,	,	PUNCT
faba-184	260	3	s.	s.	PROPN
faba-184	260	4	1996	1996	NUM
faba-184	260	5	.	.	PUNCT
faba-184	261	1	likelihood	likelihood	PROPN
faba-184	261	2	based	base	VERB
faba-184	261	3	inference	inference	NOUN
faba-184	261	4	in	in	ADP
faba-184	261	5	cointegrated	cointegrate	VERB
faba-184	261	6	vector	vector	NOUN
faba-184	261	7	autoregressive	autoregressive	ADJ
faba-184	261	8	models	model	NOUN
faba-184	261	9	.	.	PUNCT
faba-184	262	1	oxford	oxford	PROPN
faba-184	262	2	university	university	PROPN
faba-184	262	3	press	press	NOUN
faba-184	262	4	,	,	PUNCT
faba-184	262	5	oxford	oxford	PROPN
faba-184	262	6	.	.	PUNCT
faba-184	263	1	johansen	johansen	PROPN
faba-184	263	2	,	,	PUNCT
faba-184	263	3	s.	s.	PROPN
faba-184	263	4	,	,	PUNCT
faba-184	263	5	and	and	CCONJ
faba-184	263	6	k.	k.	PROPN
faba-184	263	7	juselius	juselius	PROPN
faba-184	263	8	.	.	PUNCT
faba-184	264	1	1990	1990	NUM
faba-184	264	2	.	.	PUNCT
faba-184	265	1	maximum	maximum	ADJ
faba-184	265	2	likelihood	likelihood	NOUN
faba-184	265	3	estimation	estimation	NOUN
faba-184	265	4	and	and	CCONJ
faba-184	265	5	inference	inference	NOUN
faba-184	265	6	on	on	ADP
faba-184	265	7	cointegration	cointegration	NOUN
faba-184	265	8	with	with	ADP
faba-184	265	9	applications	application	NOUN
faba-184	265	10	to	to	PART
faba-184	265	11	demand	demand	VERB
faba-184	265	12	for	for	ADP
faba-184	265	13	money	money	NOUN
faba-184	265	14	.	.	PUNCT
faba-184	266	1	oxford	oxford	ADJ
faba-184	266	2	bulletin	bulletin	NOUN
faba-184	266	3	of	of	ADP
faba-184	266	4	economics	economic	NOUN
faba-184	266	5	and	and	CCONJ
faba-184	266	6	statistics	statistic	NOUN
faba-184	266	7	,	,	PUNCT
faba-184	266	8	52(1	52(1	NOUN
faba-184	266	9	):	):	PUNCT
faba-184	266	10	169–210	169–210	NUM
faba-184	266	11	.	.	PUNCT
faba-184	267	1	karlan	karlan	PROPN
faba-184	267	2	,	,	PUNCT
faba-184	267	3	d.	d.	PROPN
faba-184	267	4	,	,	PUNCT
faba-184	267	5	a.	a.	PROPN
faba-184	267	6	l.	l.	PROPN
faba-184	267	7	ratan	ratan	PROPN
faba-184	267	8	,	,	PUNCT
faba-184	267	9	and	and	CCONJ
faba-184	267	10	j.	j.	PROPN
faba-184	267	11	zinman	zinman	PROPN
faba-184	267	12	.	.	PUNCT
faba-184	268	1	2014	2014	NUM
faba-184	268	2	.	.	PUNCT
faba-184	269	1	savings	saving	NOUN
faba-184	269	2	by	by	ADP
faba-184	269	3	and	and	CCONJ
faba-184	269	4	for	for	ADP
faba-184	269	5	the	the	DET
faba-184	269	6	poor	poor	ADJ
faba-184	269	7	:	:	PUNCT
faba-184	269	8	a	a	DET
faba-184	269	9	research	research	NOUN
faba-184	269	10	review	review	NOUN
faba-184	269	11	and	and	CCONJ
faba-184	269	12	agenda	agenda	NOUN
faba-184	269	13	.	.	PUNCT
faba-184	270	1	the	the	DET
faba-184	270	2	review	review	NOUN
faba-184	270	3	of	of	ADP
faba-184	270	4	income	income	NOUN
faba-184	270	5	and	and	CCONJ
faba-184	270	6	wealth	wealth	NOUN
faba-184	270	7	,	,	PUNCT
faba-184	270	8	60(1	60(1	NUM
faba-184	270	9	):	):	PUNCT
faba-184	270	10	36–78	36–78	NUM
faba-184	270	11	.	.	PUNCT
faba-184	270	12	karlan	karlan	PROPN
faba-184	270	13	,	,	PUNCT
faba-184	270	14	d.	d.	PROPN
faba-184	270	15	,	,	PUNCT
faba-184	270	16	b.	b.	PROPN
faba-184	270	17	savonitto	savonitto	PROPN
faba-184	270	18	,	,	PUNCT
faba-184	270	19	b.	b.	PROPN
faba-184	270	20	thuysbaert	thuysbaert	PROPN
faba-184	270	21	,	,	PUNCT
faba-184	270	22	and	and	CCONJ
faba-184	270	23	c.	c.	PROPN
faba-184	270	24	udry	udry	PROPN
faba-184	270	25	.	.	PUNCT
faba-184	270	26	2017	2017	NUM
faba-184	270	27	.	.	PUNCT
faba-184	271	1	impact	impact	NOUN
faba-184	271	2	of	of	ADP
faba-184	271	3	savings	saving	NOUN
faba-184	271	4	groups	group	NOUN
faba-184	271	5	on	on	ADP
faba-184	271	6	the	the	DET
faba-184	271	7	lives	life	NOUN
faba-184	271	8	of	of	ADP
faba-184	271	9	the	the	DET
faba-184	271	10	poor	poor	ADJ
faba-184	271	11	.	.	PUNCT
faba-184	272	1	pnas	pna	NOUN
faba-184	272	2	,	,	PUNCT
faba-184	272	3	114	114	NUM
faba-184	272	4	(	(	PUNCT
faba-184	272	5	12	12	NUM
faba-184	272	6	):	):	PUNCT
faba-184	272	7	3079–3084	3079–3084	NUM
faba-184	272	8	.	.	PUNCT
faba-184	272	9	https://doi.org/10.1073/pnas.1611520114	https://doi.org/10.1073/pnas.1611520114	PROPN
faba-184	272	10	kaseke	kaseke	PROPN
faba-184	272	11	,	,	PUNCT
faba-184	272	12	e.	e.	PROPN
faba-184	272	13	,	,	PUNCT
faba-184	272	14	and	and	CCONJ
faba-184	272	15	s.	s.	PROPN
faba-184	272	16	matuku	matuku	PROPN
faba-184	272	17	.	.	PUNCT
faba-184	273	1	2014	2014	NUM
faba-184	273	2	.	.	PUNCT
faba-184	274	1	the	the	DET
faba-184	274	2	role	role	NOUN
faba-184	274	3	of	of	ADP
faba-184	274	4	stokvels	stokvel	NOUN
faba-184	274	5	in	in	ADP
faba-184	274	6	improving	improve	VERB
faba-184	274	7	people	people	NOUN
faba-184	274	8	’s	’s	PART
faba-184	274	9	lives	life	NOUN
faba-184	274	10	:	:	PUNCT
faba-184	274	11	the	the	DET
faba-184	274	12	case	case	NOUN
faba-184	274	13	in	in	ADP
faba-184	274	14	orange	orange	PROPN
faba-184	274	15	farm	farm	PROPN
faba-184	274	16	,	,	PUNCT
faba-184	274	17	johannesburg	johannesburg	PROPN
faba-184	274	18	,	,	PUNCT
faba-184	274	19	south	south	PROPN
faba-184	274	20	africa	africa	PROPN
faba-184	274	21	.	.	PUNCT
faba-184	275	1	social	social	ADJ
faba-184	275	2	work	work	NOUN
faba-184	275	3	/	/	SYM
faba-184	275	4	maatskaplike	maatskaplike	X
faba-184	275	5	werk	werk	PROPN
faba-184	275	6	,	,	PUNCT
faba-184	275	7	50(4	50(4	NUM
faba-184	275	8	)	)	PUNCT
faba-184	275	9	.	.	PUNCT
faba-184	276	1	https://doi.org/10.15270/50-4388	https://doi.org/10.15270/50-4388	X
faba-184	276	2	.	.	PROPN
faba-184	276	3	kaseke	kaseke	PROPN
faba-184	276	4	,	,	PUNCT
faba-184	276	5	e.	e.	PROPN
faba-184	276	6	,	,	PUNCT
faba-184	276	7	and	and	CCONJ
faba-184	276	8	m.	m.	NOUN
faba-184	276	9	p.	p.	NOUN
faba-184	276	10	olivier	olivier	PROPN
faba-184	276	11	.	.	PUNCT
faba-184	277	1	2008	2008	NUM
faba-184	277	2	.	.	PUNCT
faba-184	278	1	informal	informal	ADJ
faba-184	278	2	social	social	ADJ
faba-184	278	3	security	security	NOUN
faba-184	278	4	.	.	PUNCT
faba-184	279	1	international	international	ADJ
faba-184	279	2	conference	conference	NOUN
faba-184	279	3	on	on	ADP
faba-184	279	4	social	social	ADJ
faba-184	279	5	security	security	NOUN
faba-184	279	6	organized	organize	VERB
faba-184	279	7	by	by	ADP
faba-184	279	8	the	the	DET
faba-184	279	9	national	national	PROPN
faba-184	279	10	department	department	PROPN
faba-184	279	11	of	of	ADP
faba-184	279	12	social	social	ADJ
faba-184	279	13	department	department	PROPN
faba-184	279	14	.	.	PUNCT
faba-184	280	1	south	south	PROPN
faba-184	280	2	africa	africa	PROPN
faba-184	280	3	,	,	PUNCT
faba-184	280	4	10	10	NUM
faba-184	280	5	-	-	SYM
faba-184	280	6	14	14	NUM
faba-184	280	7	march	march	NOUN
faba-184	280	8	,	,	PUNCT
faba-184	280	9	cape	cape	NOUN
faba-184	280	10	town	town	NOUN
faba-184	280	11	.	.	PUNCT
faba-184	281	1	khan	khan	PROPN
faba-184	281	2	,	,	PUNCT
faba-184	281	3	m.	m.	NOUN
faba-184	281	4	a.	a.	PROPN
faba-184	281	5	,	,	PUNCT
faba-184	281	6	and	and	CCONJ
faba-184	281	7	a.	a.	PROPN
faba-184	281	8	qayyum	qayyum	PROPN
faba-184	281	9	.	.	PUNCT
faba-184	282	1	2006	2006	NUM
faba-184	282	2	.	.	PUNCT
faba-184	283	1	trade	trade	NOUN
faba-184	283	2	liberalisation	liberalisation	NOUN
faba-184	283	3	,	,	PUNCT
faba-184	283	4	financial	financial	ADJ
faba-184	283	5	sector	sector	NOUN
faba-184	283	6	reforms	reform	NOUN
faba-184	283	7	,	,	PUNCT
faba-184	283	8	and	and	CCONJ
faba-184	283	9	growth	growth	NOUN
faba-184	283	10	,	,	PUNCT
faba-184	283	11	"	"	PUNCT
faba-184	283	12	the	the	DET
faba-184	283	13	pakistan	pakistan	PROPN
faba-184	283	14	development	development	PROPN
faba-184	283	15	review	review	PROPN
faba-184	283	16	,	,	PUNCT
faba-184	283	17	pakistan	pakistan	PROPN
faba-184	283	18	institute	institute	PROPN
faba-184	283	19	of	of	ADP
faba-184	283	20	development	development	NOUN
faba-184	283	21	economics	economic	NOUN
faba-184	283	22	,	,	PUNCT
faba-184	283	23	45(4	45(4	NUM
faba-184	283	24	):	):	PUNCT
faba-184	283	25	711	711	NUM
faba-184	283	26	-	-	SYM
faba-184	283	27	731	731	NUM
faba-184	283	28	.	.	PUNCT
faba-184	284	1	khan	khan	PROPN
faba-184	284	2	,	,	PUNCT
faba-184	284	3	m.	m.	NOUN
faba-184	284	4	i.	i.	PROPN
faba-184	284	5	,	,	PUNCT
faba-184	284	6	j.	j.	PROPN
faba-184	284	7	z.	z.	PROPN
faba-184	284	8	teng	teng	PROPN
faba-184	284	9	,	,	PUNCT
faba-184	284	10	m.	m.	PROPN
faba-184	284	11	k.	k.	PROPN
faba-184	284	12	khan	khan	PROPN
faba-184	284	13	,	,	PUNCT
faba-184	284	14	a.	a.	NOUN
faba-184	284	15	jadoon	jadoon	PROPN
faba-184	284	16	,	,	PUNCT
faba-184	284	17	and	and	CCONJ
faba-184	284	18	m.	m.	NOUN
faba-184	284	19	rehan	rehan	PROPN
faba-184	284	20	.	.	PROPN
faba-184	284	21	2017	2017	NUM
faba-184	284	22	.	.	PUNCT
faba-184	285	1	factors	factor	NOUN
faba-184	285	2	affecting	affect	VERB
faba-184	285	3	the	the	DET
faba-184	285	4	rate	rate	NOUN
faba-184	285	5	of	of	ADP
faba-184	285	6	gross	gross	ADJ
faba-184	285	7	domestic	domestic	ADJ
faba-184	285	8	saving	saving	NOUN
faba-184	285	9	in	in	ADP
faba-184	285	10	different	different	ADJ
faba-184	285	11	countries	country	NOUN
faba-184	285	12	.	.	PUNCT
faba-184	286	1	european	european	ADJ
faba-184	286	2	academic	academic	ADJ
faba-184	286	3	research	research	NOUN
faba-184	286	4	,	,	PUNCT
faba-184	286	5	5(8	5(8	NUM
faba-184	286	6	):	):	PUNCT
faba-184	286	7	4261–4291	4261–4291	NOUN
faba-184	286	8	.	.	PUNCT
faba-184	287	1	ksoll	ksoll	PROPN
faba-184	287	2	,	,	PUNCT
faba-184	287	3	c.	c.	PROPN
faba-184	287	4	,	,	PUNCT
faba-184	287	5	h.	h.	PROPN
faba-184	287	6	b.	b.	PROPN
faba-184	287	7	lilleor	lilleor	PROPN
faba-184	287	8	,	,	PUNCT
faba-184	287	9	j.	j.	PROPN
faba-184	287	10	h.	h.	PROPN
faba-184	287	11	lonborg	lonborg	PROPN
faba-184	287	12	,	,	PUNCT
faba-184	287	13	and	and	CCONJ
faba-184	287	14	o.	o.	PROPN
faba-184	287	15	d.	d.	PROPN
faba-184	287	16	rasmussen	rasmussen	PROPN
faba-184	287	17	.	.	PROPN
faba-184	287	18	2016	2016	NUM
faba-184	287	19	.	.	PUNCT
faba-184	288	1	impact	impact	NOUN
faba-184	288	2	of	of	ADP
faba-184	288	3	village	village	NOUN
faba-184	288	4	savings	saving	NOUN
faba-184	288	5	and	and	CCONJ
faba-184	288	6	loans	loan	NOUN
faba-184	288	7	associations	association	NOUN
faba-184	288	8	:	:	PUNCT
faba-184	288	9	evidence	evidence	NOUN
faba-184	288	10	from	from	ADP
faba-184	288	11	a	a	DET
faba-184	288	12	cluster	cluster	NOUN
faba-184	288	13	randomized	randomize	VERB
faba-184	288	14	trial	trial	NOUN
faba-184	288	15	.	.	PUNCT
faba-184	289	1	journal	journal	PROPN
faba-184	289	2	of	of	ADP
faba-184	289	3	development	development	NOUN
faba-184	289	4	economics	economic	NOUN
faba-184	289	5	,	,	PUNCT
faba-184	289	6	120(1	120(1	NUM
faba-184	289	7	):	):	PUNCT
faba-184	289	8	70	70	NUM
faba-184	289	9	–	–	PUNCT
faba-184	289	10	85	85	NUM
faba-184	289	11	.	.	PUNCT
faba-184	290	1	http://doi.org/10.1016/j.deveco.2015.12.003	http://doi.org/10.1016/j.deveco.2015.12.003	PROPN
faba-184	290	2	.	.	PUNCT
faba-184	290	3	kumarasinghe	kumarasinghe	PROPN
faba-184	290	4	,	,	PUNCT
faba-184	290	5	p.	p.	PROPN
faba-184	290	6	j.	j.	PROPN
faba-184	290	7	,	,	PUNCT
faba-184	290	8	and	and	CCONJ
faba-184	290	9	s.	s.	PROPN
faba-184	290	10	c.	c.	PROPN
faba-184	290	11	munasinghe	munasinghe	PROPN
faba-184	290	12	.	.	PUNCT
faba-184	291	1	2016	2016	NUM
faba-184	291	2	.	.	PUNCT
faba-184	292	1	the	the	DET
faba-184	292	2	savings	saving	NOUN
faba-184	292	3	motives	motive	VERB
faba-184	292	4	:	:	PUNCT
faba-184	292	5	with	with	ADP
faba-184	292	6	special	special	ADJ
faba-184	292	7	reference	reference	NOUN
faba-184	292	8	to	to	ADP
faba-184	292	9	households	household	NOUN
faba-184	292	10	in	in	ADP
faba-184	292	11	kalutara	kalutara	PROPN
faba-184	292	12	district	district	NOUN
faba-184	292	13	.	.	PUNCT
faba-184	293	1	13th	13th	ADJ
faba-184	293	2	international	international	ADJ
faba-184	293	3	conference	conference	NOUN
faba-184	293	4	on	on	ADP
faba-184	293	5	business	business	NOUN
faba-184	293	6	management	management	NOUN
faba-184	293	7	,	,	PUNCT
faba-184	293	8	university	university	NOUN
faba-184	293	9	of	of	ADP
faba-184	293	10	sri	sri	PROPN
faba-184	293	11	jayewardenepura	jayewardenepura	PROPN
faba-184	293	12	,	,	PUNCT
faba-184	293	13	367–377	367–377	NUM
faba-184	293	14	.	.	PUNCT
faba-184	293	15	landman	landman	PROPN
faba-184	293	16	,	,	PUNCT
faba-184	293	17	m.	m.	NOUN
faba-184	293	18	,	,	PUNCT
faba-184	293	19	and	and	CCONJ
faba-184	293	20	m.	m.	NOUN
faba-184	293	21	mthombeni	mthombeni	NOUN
faba-184	293	22	.	.	PUNCT
faba-184	294	1	2021	2021	NUM
faba-184	294	2	.	.	PUNCT
faba-184	295	1	determining	determine	VERB
faba-184	295	2	the	the	DET
faba-184	295	3	potential	potential	NOUN
faba-184	295	4	of	of	ADP
faba-184	295	5	informal	informal	ADJ
faba-184	295	6	savings	saving	NOUN
faba-184	295	7	groups	group	NOUN
faba-184	295	8	as	as	ADP
faba-184	295	9	a	a	DET
faba-184	295	10	model	model	NOUN
faba-184	295	11	for	for	ADP
faba-184	295	12	formal	formal	ADJ
faba-184	295	13	commitment	commitment	NOUN
faba-184	295	14	saving	saving	NOUN
faba-184	295	15	devices	device	NOUN
faba-184	295	16	.	.	PUNCT
faba-184	296	1	south	south	ADJ
faba-184	296	2	african	african	ADJ
faba-184	296	3	journal	journal	PROPN
faba-184	296	4	of	of	ADP
faba-184	296	5	economic	economic	ADJ
faba-184	296	6	and	and	CCONJ
faba-184	296	7	management	management	NOUN
faba-184	296	8	sciences	science	NOUN
faba-184	296	9	,	,	PUNCT
faba-184	296	10	24(1	24(1	NUM
faba-184	296	11	)	)	PUNCT
faba-184	296	12	.	.	PUNCT
faba-184	297	1	laštůvková	laštůvková	PROPN
faba-184	297	2	,	,	PUNCT
faba-184	297	3	j.	j.	PROPN
faba-184	297	4	2016	2016	NUM
faba-184	297	5	.	.	PUNCT
faba-184	298	1	liquidity	liquidity	NOUN
faba-184	298	2	determinants	determinant	NOUN
faba-184	298	3	of	of	ADP
faba-184	298	4	the	the	DET
faba-184	298	5	banking	banking	NOUN
faba-184	298	6	sectors	sector	NOUN
faba-184	298	7	and	and	CCONJ
faba-184	298	8	their	their	PRON
faba-184	298	9	size	size	NOUN
faba-184	298	10	groups	group	NOUN
faba-184	298	11	.	.	PUNCT
faba-184	299	1	acta	acta	PROPN
faba-184	299	2	universitatis	universitatis	PROPN
faba-184	299	3	agriculturae	agriculturae	PROPN
faba-184	299	4	et	et	PROPN
faba-184	299	5	silvicultura	silvicultura	PROPN
faba-184	299	6	mendeliianae	mendeliianae	PROPN
faba-184	299	7	brunensis	brunensis	NOUN
faba-184	299	8	,	,	PUNCT
faba-184	299	9	64(3	64(3	NUM
faba-184	299	10	):	):	PUNCT
faba-184	299	11	971–978	971–978	NUM
faba-184	299	12	.	.	PUNCT
faba-184	300	1	https://doi.org/10.11118/actaun201664030971	https://doi.org/10.11118/actaun201664030971	NOUN
faba-184	300	2	low	low	ADJ
faba-184	300	3	,	,	PUNCT
faba-184	300	4	a.	a.	NOUN
faba-184	300	5	1995	1995	NUM
faba-184	300	6	.	.	PUNCT
faba-184	301	1	a	a	DET
faba-184	301	2	bibliographical	bibliographical	ADJ
faba-184	301	3	survey	survey	NOUN
faba-184	301	4	of	of	ADP
faba-184	301	5	rotating	rotate	VERB
faba-184	301	6	savings	saving	NOUN
faba-184	301	7	and	and	CCONJ
faba-184	301	8	credit	credit	NOUN
faba-184	301	9	associations	association	NOUN
faba-184	301	10	.	.	PUNCT
faba-184	302	1	oxford	oxford	NOUN
faba-184	302	2	:	:	PUNCT
faba-184	302	3	oxfam	oxfam	NOUN
faba-184	302	4	and	and	CCONJ
faba-184	302	5	centre	centre	NOUN
faba-184	302	6	for	for	ADP
faba-184	302	7	cross	cross	ADJ
faba-184	302	8	-	-	ADJ
faba-184	302	9	cultural	cultural	ADJ
faba-184	302	10	research	research	NOUN
faba-184	302	11	on	on	ADP
faba-184	302	12	women	woman	NOUN
faba-184	302	13	at	at	ADP
faba-184	302	14	queen	queen	PROPN
faba-184	302	15	elizabeth	elizabeth	PROPN
faba-184	302	16	house	house	PROPN
faba-184	302	17	,	,	PUNCT
faba-184	302	18	oxford	oxford	PROPN
faba-184	302	19	.	.	PUNCT
faba-184	303	1	lukhele	lukhele	PROPN
faba-184	303	2	,	,	PUNCT
faba-184	303	3	a.	a.	NOUN
faba-184	303	4	1990	1990	NUM
faba-184	303	5	.	.	PUNCT
faba-184	304	1	stokvels	stokvel	NOUN
faba-184	304	2	in	in	ADP
faba-184	304	3	south	south	PROPN
faba-184	304	4	africa	africa	PROPN
faba-184	304	5	:	:	PUNCT
faba-184	304	6	informal	informal	ADJ
faba-184	304	7	savings	saving	NOUN
faba-184	304	8	schemes	scheme	NOUN
faba-184	304	9	by	by	ADP
faba-184	304	10	blacks	black	NOUN
faba-184	304	11	for	for	ADP
faba-184	304	12	the	the	DET
faba-184	304	13	black	black	ADJ
faba-184	304	14	community	community	NOUN
faba-184	304	15	.	.	PUNCT
faba-184	305	1	johannesburg	johannesburg	PROPN
faba-184	305	2	:	:	PUNCT
faba-184	305	3	amagi	amagi	NOUN
faba-184	305	4	books	book	NOUN
faba-184	305	5	.	.	PUNCT
faba-184	306	1	marozva	marozva	PROPN
faba-184	306	2	,	,	PUNCT
faba-184	306	3	g.	g.	PROPN
faba-184	306	4	2015	2015	NUM
faba-184	306	5	.	.	PUNCT
faba-184	307	1	liquidity	liquidity	NOUN
faba-184	307	2	and	and	CCONJ
faba-184	307	3	bank	bank	NOUN
faba-184	307	4	performance	performance	NOUN
faba-184	307	5	.	.	PUNCT
faba-184	308	1	international	international	ADJ
faba-184	308	2	business	business	PROPN
faba-184	308	3	&	&	CCONJ
faba-184	308	4	economics	economics	PROPN
faba-184	308	5	research	research	PROPN
faba-184	308	6	journal	journal	PROPN
faba-184	308	7	,	,	PUNCT
faba-184	308	8	14(3	14(3	NUM
faba-184	308	9	):	):	PUNCT
faba-184	308	10	453–461	453–461	NUM
faba-184	308	11	.	.	PUNCT
faba-184	309	1	marozva	marozva	PROPN
faba-184	309	2	,	,	PUNCT
faba-184	309	3	g.	g.	PROPN
faba-184	309	4	2013	2013	NUM
faba-184	309	5	.	.	PUNCT
faba-184	310	1	asset	asset	NOUN
faba-184	310	2	liquidity	liquidity	NOUN
faba-184	310	3	and	and	CCONJ
faba-184	310	4	bank	bank	NOUN
faba-184	310	5	profitability	profitability	NOUN
faba-184	310	6	in	in	ADP
faba-184	310	7	south	south	PROPN
faba-184	310	8	africa	africa	PROPN
faba-184	310	9	.	.	PUNCT
faba-184	311	1	corporate	corporate	ADJ
faba-184	311	2	ownership	ownership	NOUN
faba-184	311	3	and	and	CCONJ
faba-184	311	4	control	control	NOUN
faba-184	311	5	,	,	PUNCT
faba-184	311	6	11(1	11(1	NUM
faba-184	311	7	):	):	PUNCT
faba-184	311	8	745–753	745–753	NUM
faba-184	311	9	.	.	PUNCT
faba-184	311	10	https://doi.org/10.22495/cocv11i1c8art5	https://doi.org/10.22495/cocv11i1c8art5	NOUN
faba-184	311	11	.	.	PUNCT
faba-184	312	1	mashigo	mashigo	PROPN
faba-184	312	2	,	,	PUNCT
faba-184	312	3	p.	p.	NOUN
faba-184	312	4	2009	2009	NUM
faba-184	312	5	.	.	PUNCT
faba-184	313	1	transforming	transform	VERB
faba-184	313	2	the	the	DET
faba-184	313	3	south	south	ADJ
faba-184	313	4	african	african	ADJ
faba-184	313	5	credit	credit	NOUN
faba-184	313	6	market	market	NOUN
faba-184	313	7	through	through	ADP
faba-184	313	8	group	group	NOUN
faba-184	313	9	lending	lending	NOUN
faba-184	313	10	mechanism	mechanism	NOUN
faba-184	313	11	.	.	PUNCT
faba-184	314	1	journal	journal	NOUN
faba-184	314	2	of	of	ADP
faba-184	314	3	case	case	NOUN
faba-184	314	4	research	research	NOUN
faba-184	314	5	in	in	ADP
faba-184	314	6	business	business	NOUN
faba-184	314	7	and	and	CCONJ
faba-184	314	8	economics	economic	NOUN
faba-184	314	9	,	,	PUNCT
faba-184	314	10	1–16	1–16	PROPN
faba-184	314	11	.	.	PUNCT
faba-184	315	1	mashigo	mashigo	PROPN
faba-184	315	2	,	,	PUNCT
faba-184	315	3	m.	m.	NOUN
faba-184	315	4	p.	p.	NOUN
faba-184	315	5	2012	2012	NUM
faba-184	315	6	.	.	PUNCT
faba-184	316	1	the	the	DET
faba-184	316	2	lending	lending	NOUN
faba-184	316	3	practices	practice	NOUN
faba-184	316	4	of	of	ADP
faba-184	316	5	township	township	PROPN
faba-184	316	6	micro	micro	NOUN
faba-184	316	7	-	-	NOUN
faba-184	316	8	lenders	lender	NOUN
faba-184	316	9	and	and	CCONJ
faba-184	316	10	their	their	PRON
faba-184	316	11	impact	impact	NOUN
faba-184	316	12	on	on	ADP
faba-184	316	13	the	the	DET
faba-184	316	14	low	low	ADJ
faba-184	316	15	-	-	PUNCT
faba-184	316	16	income	income	NOUN
faba-184	316	17	households	household	NOUN
faba-184	316	18	in	in	ADP
faba-184	316	19	south	south	PROPN
faba-184	316	20	africa	africa	PROPN
faba-184	316	21	:	:	PUNCT
faba-184	316	22	a	a	DET
faba-184	316	23	case	case	NOUN
faba-184	316	24	study	study	NOUN
faba-184	316	25	for	for	ADP
faba-184	316	26	mamelodi	mamelodi	PROPN
faba-184	316	27	township	township	PROPN
faba-184	316	28	.	.	PUNCT
faba-184	317	1	new	new	ADJ
faba-184	317	2	contree	contree	PROPN
faba-184	317	3	,	,	PUNCT
faba-184	317	4	65	65	NUM
faba-184	317	5	(	(	PUNCT
faba-184	317	6	12	12	NUM
faba-184	317	7	)	)	PUNCT
faba-184	317	8	.	.	PUNCT
faba-184	318	1	mashigo	mashigo	PROPN
faba-184	318	2	,	,	PUNCT
faba-184	318	3	p.	p.	NOUN
faba-184	318	4	,	,	PUNCT
faba-184	318	5	and	and	CCONJ
faba-184	318	6	h.	h.	PROPN
faba-184	318	7	kabir	kabir	PROPN
faba-184	318	8	.	.	PUNCT
faba-184	319	1	2016	2016	NUM
faba-184	319	2	.	.	PUNCT
faba-184	320	1	village	village	NOUN
faba-184	320	2	banks	bank	NOUN
faba-184	320	3	:	:	PUNCT
faba-184	320	4	a	a	DET
faba-184	320	5	financial	financial	ADJ
faba-184	320	6	strategy	strategy	NOUN
faba-184	320	7	for	for	ADP
faba-184	320	8	developing	develop	VERB
faba-184	320	9	the	the	DET
faba-184	320	10	south	south	ADJ
faba-184	320	11	african	african	ADJ
faba-184	320	12	poor	poor	ADJ
faba-184	320	13	households	household	NOUN
faba-184	320	14	.	.	PUNCT
faba-184	321	1	banks	bank	NOUN
faba-184	321	2	and	and	CCONJ
faba-184	321	3	bank	bank	NOUN
faba-184	321	4	systems	system	NOUN
faba-184	321	5	,	,	PUNCT
faba-184	321	6	11(2	11(2	NUM
faba-184	321	7	):	):	PUNCT
faba-184	321	8	8–13	8–13	NOUN
faba-184	321	9	.	.	PUNCT
faba-184	322	1	https://doi.org/10.21511/bbs	https://doi.org/10.21511/bb	NOUN
faba-184	322	2	mashigo	mashigo	VERB
faba-184	322	3	,	,	PUNCT
faba-184	322	4	p.	p.	NOUN
faba-184	322	5	,	,	PUNCT
faba-184	322	6	and	and	CCONJ
faba-184	322	7	c.	c.	PROPN
faba-184	322	8	schoeman	schoeman	PROPN
faba-184	322	9	.	.	PROPN
faba-184	322	10	2012	2012	NUM
faba-184	322	11	.	.	PUNCT
faba-184	323	1	stokvels	stokvel	NOUN
faba-184	323	2	as	as	ADP
faba-184	323	3	an	an	DET
faba-184	323	4	instrument	instrument	NOUN
faba-184	323	5	and	and	CCONJ
faba-184	323	6	channel	channel	NOUN
faba-184	323	7	to	to	PART
faba-184	323	8	extend	extend	VERB
faba-184	323	9	credit	credit	NOUN
faba-184	323	10	to	to	ADP
faba-184	323	11	poor	poor	ADJ
faba-184	323	12	households	household	NOUN
faba-184	323	13	in	in	ADP
faba-184	323	14	south	south	PROPN
faba-184	323	15	africa	africa	PROPN
faba-184	323	16	.	.	PUNCT
faba-184	324	1	journal	journal	PROPN
faba-184	324	2	of	of	ADP
faba-184	324	3	economic	economic	ADJ
faba-184	324	4	and	and	CCONJ
faba-184	324	5	financial	financial	ADJ
faba-184	324	6	sciences	science	NOUN
faba-184	324	7	,	,	PUNCT
faba-184	324	8	5(1	5(1	NUM
faba-184	324	9	):	):	PUNCT
faba-184	324	10	49–62	49–62	NUM
faba-184	324	11	.	.	PUNCT
faba-184	325	1	https://doi.org/10.4102/jef.v5i1.305	https://doi.org/10.4102/jef.v5i1.305	PROPN
faba-184	325	2	mboweni	mboweni	PROPN
faba-184	325	3	,	,	PUNCT
faba-184	325	4	t.	t.	NOUN
faba-184	325	5	t.	t.	PROPN
faba-184	325	6	1990	1990	NUM
faba-184	325	7	.	.	PUNCT
faba-184	326	1	stokvels	stokvel	NOUN
faba-184	326	2	in	in	ADP
faba-184	326	3	south	south	PROPN
faba-184	326	4	africa	africa	PROPN
faba-184	326	5	:	:	PUNCT
faba-184	326	6	informal	informal	ADJ
faba-184	326	7	savings	saving	NOUN
faba-184	326	8	schemes	scheme	NOUN
faba-184	326	9	by	by	ADP
faba-184	326	10	blacks	black	NOUN
faba-184	326	11	for	for	ADP
faba-184	326	12	the	the	DET
faba-184	326	13	black	black	ADJ
faba-184	326	14	community	community	NOUN
faba-184	326	15	.	.	PUNCT
faba-184	327	1	http://doi.org/10.1086/676123	http://doi.org/10.1086/676123	VERB
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faba-184	327	3	http://doi.org/10.14318/hau7.3.016	http://doi.org/10.14318/hau7.3.016	PROPN
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faba-184	327	5	https://ideas.repec.org/a/pid/journl/v45y2006i4p711-731.html	https://ideas.repec.org/a/pid/journl/v45y2006i4p711-731.html	PROPN
faba-184	327	6	https://ideas.repec.org/s/pid/journl.html	https://ideas.repec.org/s/pid/journl.html	NOUN
faba-184	327	7	https://ideas.repec.org/s/pid/journl.html	https://ideas.repec.org/s/pid/journl.html	NOUN
faba-184	327	8	https://www.researchgate.net/journal/european-academic-research-2286-4822	https://www.researchgate.net/journal/european-academic-research-2286-4822	PROPN
faba-184	327	9	http://doi.org/10.1016/j.deveco.2015.12.003	http://doi.org/10.1016/j.deveco.2015.12.003	PROPN
faba-184	327	10	https://www.researchgate.net/scientific-contributions/jana-lastuvkova-84800879?_sg%5b0%5d=xcc420drwbnjjvpoqdwgncxaqbuvf0duq6kdp_pxim5qfscstjf5_coneucycme1p2mzd_s.xthq5desk7103-wub6_dfjzmjgszxz4mzwdw6_v0ty7pfgno_lo57cehpiewohpy0pymbjjknxglx8xtnjgjxq&_sg%5b1%5d=nkk-yf5ctyxf6b-rral3_5dxlskk_ut4stxhwpnuky-02nehyvcxnvz4d9sachokb1ejyya.s-3zvb65twweqhnvetk88rn-ebmwacq674c6s1cc5d9tbz5xas04fnwg2lysmm1iyob_dgrxsauuxybfcbjcjq	https://www.researchgate.net/scientific-contributions/jana-lastuvkova-84800879?_sg%5b0%5d=xcc420drwbnjjvpoqdwgncxaqbuvf0duq6kdp_pxim5qfscstjf5_coneucycme1p2mzd_s.xthq5desk7103-wub6_dfjzmjgszxz4mzwdw6_v0ty7pfgno_lo57cehpiewohpy0pymbjjknxglx8xtnjgjxq&_sg%5b1%5d=nkk-yf5ctyxf6b-rral3_5dxlskk_ut4stxhwpnuky-02nehyvcxnvz4d9sachokb1ejyya.s-3zvb65twweqhnvetk88rn-ebmwacq674c6s1cc5d9tbz5xas04fnwg2lysmm1iyob_dgrxsauuxybfcbjcjq	NOUN
faba-184	327	11	https://doi.org/10.11118/actaun201664030971	https://doi.org/10.11118/actaun201664030971	NOUN
faba-184	327	12	https://www.researchgate.net/journal/corporate-ownership-and-control-1810-3057	https://www.researchgate.net/journal/corporate-ownership-and-control-1810-3057	NOUN
faba-184	327	13	https://www.researchgate.net/journal/corporate-ownership-and-control-1810-3057	https://www.researchgate.net/journal/corporate-ownership-and-control-1810-3057	NOUN
faba-184	327	14	https://doi.org/10.22495/cocv11i1c8art5	https://doi.org/10.22495/cocv11i1c8art5	NOUN
faba-184	327	15	https://doi.org/10.21511/bbs	https://doi.org/10.21511/bb	VERB
faba-184	327	16	https://www.researchgate.net/journal/journal-of-economic-and-financial-sciences-1995-7076	https://www.researchgate.net/journal/journal-of-economic-and-financial-sciences-1995-7076	NOUN
faba-184	327	17	https://doi.org/10.4102/jef.v5i1.305	https://doi.org/10.4102/jef.v5i1.305	PROPN
faba-184	327	18	l.	l.	PROPN
faba-184	327	19	ngcobo	ngcobo	PROPN
faba-184	327	20	,	,	PUNCT
faba-184	327	21	j.	j.	PROPN
faba-184	327	22	chisasa	chisasa	PROPN
faba-184	327	23	,	,	PUNCT
faba-184	327	24	m.	m.	NOUN
faba-184	327	25	t.	t.	PROPN
faba-184	327	26	masetshaba	masetshaba	PROPN
faba-184	327	27	/	/	SYM
faba-184	327	28	finance	finance	NOUN
faba-184	327	29	,	,	PUNCT
faba-184	327	30	accounting	accounting	NOUN
faba-184	327	31	and	and	CCONJ
faba-184	327	32	business	business	NOUN
faba-184	327	33	analysis	analysis	NOUN
faba-184	327	34	,	,	PUNCT
faba-184	327	35	volume	volume	NOUN
faba-184	327	36	6	6	NUM
faba-184	327	37	,	,	PUNCT
faba-184	327	38	issue	issue	NOUN
faba-184	327	39	1	1	NUM
faba-184	327	40	,	,	PUNCT
faba-184	327	41	2024	2024	NUM
faba-184	327	42	97	97	NUM
faba-184	327	43	johannesburg	johannesburg	PROPN
faba-184	327	44	:	:	PUNCT
faba-184	327	45	amagi	amagi	NOUN
faba-184	327	46	books	book	NOUN
faba-184	327	47	.	.	PUNCT
faba-184	328	1	mishra	mishra	PROPN
faba-184	328	2	,	,	PUNCT
faba-184	328	3	a.	a.	PROPN
faba-184	328	4	k.	k.	PROPN
faba-184	328	5	,	,	PUNCT
faba-184	328	6	and	and	CCONJ
faba-184	328	7	v.	v.	ADP
faba-184	328	8	bhardwaj	bhardwaj	PROPN
faba-184	328	9	.	.	PUNCT
faba-184	328	10	2022	2022	NUM
faba-184	328	11	.	.	PUNCT
faba-184	329	1	the	the	DET
faba-184	329	2	determinants	determinant	NOUN
faba-184	329	3	of	of	ADP
faba-184	329	4	access	access	NOUN
faba-184	329	5	to	to	ADP
faba-184	329	6	informal	informal	ADJ
faba-184	329	7	credits	credit	NOUN
faba-184	329	8	in	in	ADP
faba-184	329	9	india	india	PROPN
faba-184	329	10	:	:	PUNCT
faba-184	329	11	an	an	DET
faba-184	329	12	application	application	NOUN
faba-184	329	13	of	of	ADP
faba-184	329	14	quantiles	quantile	NOUN
faba-184	329	15	via	via	ADP
faba-184	329	16	moments	moment	NOUN
faba-184	329	17	method	method	NOUN
faba-184	329	18	.	.	PUNCT
faba-184	330	1	journal	journal	NOUN
faba-184	330	2	of	of	ADP
faba-184	330	3	quantitative	quantitative	ADJ
faba-184	330	4	economics	economic	NOUN
faba-184	330	5	,	,	PUNCT
faba-184	330	6	20(1	20(1	NUM
faba-184	330	7	):	):	PUNCT
faba-184	330	8	1–22	1–22	NOUN
faba-184	330	9	.	.	PUNCT
faba-184	331	1	https://doi.org/10.1007/s40953-021-00255-x	https://doi.org/10.1007/s40953-021-00255-x	PROPN
faba-184	331	2	moliea	moliea	PROPN
faba-184	331	3	,	,	PUNCT
faba-184	331	4	h.	h.	PROPN
faba-184	331	5	2007	2007	NUM
faba-184	331	6	.	.	PUNCT
faba-184	332	1	stokvels	stokvel	NOUN
faba-184	332	2	as	as	ADP
faba-184	332	3	alternative	alternative	ADJ
faba-184	332	4	microfinance	microfinance	NOUN
faba-184	332	5	institutions	institution	NOUN
faba-184	332	6	:	:	PUNCT
faba-184	332	7	conversions	conversion	NOUN
faba-184	332	8	with	with	ADP
faba-184	332	9	women	woman	NOUN
faba-184	332	10	from	from	ADP
faba-184	332	11	venda	venda	PROPN
faba-184	332	12	.	.	PUNCT
faba-184	333	1	master	master	PROPN
faba-184	333	2	of	of	ADP
faba-184	333	3	business	business	PROPN
faba-184	333	4	administration	administration	NOUN
faba-184	333	5	.	.	PUNCT
faba-184	334	1	university	university	NOUN
faba-184	334	2	of	of	ADP
faba-184	334	3	pretoria	pretoria	PROPN
faba-184	334	4	,	,	PUNCT
faba-184	334	5	pretoria	pretoria	PROPN
faba-184	334	6	,	,	PUNCT
faba-184	334	7	south	south	PROPN
faba-184	334	8	africa	africa	PROPN
faba-184	334	9	.	.	PUNCT
faba-184	335	1	available	available	ADJ
faba-184	335	2	from	from	ADP
faba-184	335	3	:	:	PUNCT
faba-184	335	4	http://hdl.handle.net/2263/23463	http://hdl.handle.net/2263/23463	PROPN
faba-184	335	5	(	(	PUNCT
faba-184	335	6	accessed	access	VERB
faba-184	335	7	14	14	NUM
faba-184	335	8	june	june	PROPN
faba-184	335	9	2018	2018	NUM
faba-184	335	10	)	)	PUNCT
faba-184	335	11	.	.	PUNCT
faba-184	336	1	mphahlele	mphahlele	PROPN
faba-184	336	2	,	,	PUNCT
faba-184	336	3	n.	n.	PROPN
faba-184	336	4	2011	2011	NUM
faba-184	336	5	.	.	PUNCT
faba-184	337	1	why	why	SCONJ
faba-184	337	2	it	it	PRON
faba-184	337	3	is	be	AUX
faba-184	337	4	important	important	ADJ
faba-184	337	5	for	for	ADP
faba-184	337	6	a	a	DET
faba-184	337	7	stokvel	stokvel	NOUN
faba-184	337	8	to	to	PART
faba-184	337	9	have	have	AUX
faba-184	337	10	a	a	DET
faba-184	337	11	properly	properly	ADV
faba-184	337	12	drafted	draft	VERB
faba-184	337	13	constitution	constitution	NOUN
faba-184	337	14	.	.	PUNCT
faba-184	338	1	stokvel	stokvel	ADJ
faba-184	338	2	voice	voice	NOUN
faba-184	338	3	,	,	PUNCT
faba-184	338	4	2(2	2(2	NUM
faba-184	338	5	)	)	PUNCT
faba-184	338	6	.	.	PUNCT
faba-184	339	1	nawai	nawai	PROPN
faba-184	339	2	,	,	PUNCT
faba-184	339	3	m.	m.	NOUN
faba-184	339	4	,	,	PUNCT
faba-184	339	5	and	and	CCONJ
faba-184	339	6	m.	m.	PROPN
faba-184	339	7	n.	n.	PROPN
faba-184	339	8	m.	m.	PROPN
faba-184	339	9	shariff	shariff	PROPN
faba-184	339	10	.	.	PUNCT
faba-184	340	1	2010	2010	NUM
faba-184	340	2	.	.	PUNCT
faba-184	341	1	determinants	determinant	NOUN
faba-184	341	2	of	of	ADP
faba-184	341	3	repayment	repayment	NOUN
faba-184	341	4	performance	performance	NOUN
faba-184	341	5	in	in	ADP
faba-184	341	6	microcredit	microcredit	NOUN
faba-184	341	7	programs	program	NOUN
faba-184	341	8	:	:	PUNCT
faba-184	341	9	a	a	DET
faba-184	341	10	review	review	NOUN
faba-184	341	11	of	of	ADP
faba-184	341	12	literature	literature	NOUN
faba-184	341	13	.	.	PUNCT
faba-184	342	1	international	international	ADJ
faba-184	342	2	journal	journal	PROPN
faba-184	342	3	of	of	ADP
faba-184	342	4	business	business	NOUN
faba-184	342	5	and	and	CCONJ
faba-184	342	6	social	social	ADJ
faba-184	342	7	science	science	NOUN
faba-184	342	8	,	,	PUNCT
faba-184	342	9	1(2	1(2	NUM
faba-184	342	10	):	):	PUNCT
faba-184	342	11	152–161	152–161	NUM
faba-184	342	12	.	.	PUNCT
faba-184	343	1	ngcobo	ngcobo	PROPN
faba-184	343	2	,	,	PUNCT
faba-184	343	3	l.	l.	PROPN
faba-184	343	4	,	,	PUNCT
faba-184	343	5	j.	j.	PROPN
faba-184	343	6	chisasa	chisasa	PROPN
faba-184	343	7	,	,	PUNCT
faba-184	343	8	and	and	CCONJ
faba-184	343	9	t.	t.	PROPN
faba-184	343	10	masetshaba	masetshaba	PROPN
faba-184	343	11	m.t	m.t	PROPN
faba-184	343	12	.	.	PROPN
faba-184	343	13	2023	2023	NUM
faba-184	343	14	.	.	PUNCT
faba-184	344	1	stokvel	stokvel	NOUN
faba-184	344	2	saving	saving	NOUN
faba-184	344	3	and	and	CCONJ
faba-184	344	4	banking	banking	NOUN
faba-184	344	5	sector	sector	NOUN
faba-184	344	6	liquidity	liquidity	NOUN
faba-184	344	7	in	in	ADP
faba-184	344	8	south	south	PROPN
faba-184	344	9	africa	africa	PROPN
faba-184	344	10	:	:	PUNCT
faba-184	344	11	cointegration	cointegration	NOUN
faba-184	344	12	and	and	CCONJ
faba-184	344	13	short	short	ADJ
faba-184	344	14	-	-	PUNCT
faba-184	344	15	run	run	NOUN
faba-184	344	16	dynamics	dynamic	NOUN
faba-184	344	17	.	.	PUNCT
faba-184	345	1	international	international	ADJ
faba-184	345	2	journal	journal	PROPN
faba-184	345	3	research	research	NOUN
faba-184	345	4	in	in	ADP
faba-184	345	5	business	business	NOUN
faba-184	345	6	and	and	CCONJ
faba-184	345	7	social	social	ADJ
faba-184	345	8	science	science	NOUN
faba-184	345	9	(	(	PUNCT
faba-184	345	10	ijrbs	ijrb	NOUN
faba-184	345	11	)	)	PUNCT
faba-184	345	12	,	,	PUNCT
faba-184	345	13	12(7	12(7	NUM
faba-184	345	14	):	):	PUNCT
faba-184	345	15	263	263	NUM
faba-184	345	16	-	-	SYM
faba-184	345	17	270	270	NUM
faba-184	345	18	.	.	PUNCT
faba-184	346	1	ngcobo	ngcobo	PROPN
faba-184	346	2	,	,	PUNCT
faba-184	346	3	l.	l.	PROPN
faba-184	346	4	,	,	PUNCT
faba-184	346	5	and	and	CCONJ
faba-184	346	6	j.	j.	PROPN
faba-184	346	7	chisasa	chisasa	PROPN
faba-184	346	8	.	.	PUNCT
faba-184	347	1	2018	2018	NUM
faba-184	347	2	.	.	PUNCT
faba-184	348	1	characteristics	characteristic	NOUN
faba-184	348	2	of	of	ADP
faba-184	348	3	credit	credit	NOUN
faba-184	348	4	instruments	instrument	NOUN
faba-184	348	5	issued	issue	VERB
faba-184	348	6	by	by	ADP
faba-184	348	7	stokvels	stokvel	NOUN
faba-184	348	8	in	in	ADP
faba-184	348	9	south	south	PROPN
faba-184	348	10	africa	africa	PROPN
faba-184	348	11	.	.	PUNCT
faba-184	349	1	journal	journal	PROPN
faba-184	349	2	of	of	ADP
faba-184	349	3	economics	economic	NOUN
faba-184	349	4	and	and	CCONJ
faba-184	349	5	behavioural	behavioural	ADJ
faba-184	349	6	studies	study	NOUN
faba-184	349	7	(	(	PUNCT
faba-184	349	8	jebs	jebs	NOUN
faba-184	349	9	)	)	PUNCT
faba-184	349	10	,	,	PUNCT
faba-184	349	11	10(6	10(6	PROPN
faba-184	349	12	):	):	PUNCT
faba-184	349	13	240–250	240–250	NUM
faba-184	349	14	.	.	PUNCT
faba-184	350	1	nyandoro	nyandoro	PROPN
faba-184	350	2	,	,	PUNCT
faba-184	350	3	m.	m.	NOUN
faba-184	350	4	2018	2018	NUM
faba-184	350	5	.	.	PUNCT
faba-184	351	1	defying	defy	VERB
faba-184	351	2	the	the	DET
faba-184	351	3	odds	odd	NOUN
faba-184	351	4	,	,	PUNCT
faba-184	351	5	not	not	PART
faba-184	351	6	the	the	DET
faba-184	351	7	abuse	abuse	NOUN
faba-184	351	8	:	:	PUNCT
faba-184	351	9	south	south	ADJ
faba-184	351	10	african	african	ADJ
faba-184	351	11	women	woman	NOUN
faba-184	351	12	’s	’s	PART
faba-184	351	13	agency	agency	NOUN
faba-184	351	14	and	and	CCONJ
faba-184	351	15	rotating	rotate	VERB
faba-184	351	16	savings	saving	NOUN
faba-184	351	17	schemes	scheme	NOUN
faba-184	351	18	,	,	PUNCT
faba-184	351	19	1994	1994	NUM
faba-184	351	20	-	-	SYM
faba-184	351	21	2017	2017	NUM
faba-184	351	22	.	.	PUNCT
faba-184	352	1	journal	journal	NOUN
faba-184	352	2	of	of	ADP
faba-184	352	3	international	international	ADJ
faba-184	352	4	women	woman	NOUN
faba-184	352	5	’s	’s	PART
faba-184	352	6	studies	study	NOUN
faba-184	352	7	,	,	PUNCT
faba-184	352	8	19(5	19(5	NUM
faba-184	352	9	):	):	PUNCT
faba-184	352	10	177–192	177–192	NUM
faba-184	352	11	.	.	PUNCT
faba-184	353	1	https://vc.bridgew.edu/jiws/vol19/iss5/12	https://vc.bridgew.edu/jiws/vol19/iss5/12	PROPN
faba-184	353	2	oji	oji	PROPN
faba-184	353	3	,	,	PUNCT
faba-184	353	4	c.	c.	PROPN
faba-184	353	5	k.	k.	PROPN
faba-184	353	6	2015	2015	NUM
faba-184	353	7	.	.	PUNCT
faba-184	354	1	promoting	promote	VERB
faba-184	354	2	financial	financial	ADJ
faba-184	354	3	inclusion	inclusion	NOUN
faba-184	354	4	for	for	ADP
faba-184	354	5	inclusive	inclusive	ADJ
faba-184	354	6	growth	growth	NOUN
faba-184	354	7	in	in	ADP
faba-184	354	8	africa	africa	PROPN
faba-184	354	9	.	.	PUNCT
faba-184	355	1	occasional	occasional	ADJ
faba-184	355	2	paper	paper	NOUN
faba-184	355	3	210	210	NUM
faba-184	355	4	.	.	PUNCT
faba-184	356	1	economic	economic	ADJ
faba-184	356	2	diplomacy	diplomacy	NOUN
faba-184	356	3	programme	programme	NOUN
faba-184	356	4	.	.	PUNCT
faba-184	357	1	february	february	PROPN
faba-184	357	2	.	.	PUNCT
faba-184	358	1	saiia	saiia	PROPN
faba-184	358	2	.	.	PUNCT
faba-184	359	1	available	available	ADJ
faba-184	359	2	from	from	ADP
faba-184	359	3	:	:	PUNCT
faba-184	359	4	https://www.saiia.org.za/occasional-papers/promoting-financial-inclusion-for-inclusive-growth-inafrica/	https://www.saiia.org.za/occasional-papers/promoting-financial-inclusion-for-inclusive-growth-inafrica/	PROPN
faba-184	359	5	omar	omar	PROPN
faba-184	359	6	,	,	PUNCT
faba-184	359	7	m.	m.	NOUN
faba-184	359	8	a.	a.	PROPN
faba-184	359	9	,	,	PUNCT
faba-184	359	10	and	and	CCONJ
faba-184	359	11	k.	k.	PROPN
faba-184	359	12	inaba	inaba	PROPN
faba-184	359	13	.	.	PUNCT
faba-184	360	1	2020	2020	NUM
faba-184	360	2	.	.	PUNCT
faba-184	361	1	does	do	AUX
faba-184	361	2	financial	financial	ADJ
faba-184	361	3	inclusion	inclusion	NOUN
faba-184	361	4	reduce	reduce	VERB
faba-184	361	5	poverty	poverty	NOUN
faba-184	361	6	and	and	CCONJ
faba-184	361	7	income	income	NOUN
faba-184	361	8	inequality	inequality	NOUN
faba-184	361	9	in	in	ADP
faba-184	361	10	developing	develop	VERB
faba-184	361	11	countries	country	NOUN
faba-184	361	12	?	?	PUNCT
faba-184	362	1	a	a	DET
faba-184	362	2	panel	panel	NOUN
faba-184	362	3	data	data	VERB
faba-184	362	4	analysis	analysis	NOUN
faba-184	362	5	.	.	PUNCT
faba-184	363	1	economic	economic	ADJ
faba-184	363	2	structures	structure	NOUN
faba-184	363	3	9	9	NUM
faba-184	363	4	,	,	PUNCT
faba-184	363	5	37	37	NUM
faba-184	363	6	.	.	PUNCT
faba-184	364	1	pesaran	pesaran	VERB
faba-184	364	2	,	,	PUNCT
faba-184	364	3	m.	m.	PROPN
faba-184	364	4	h.	h.	PROPN
faba-184	364	5	,	,	PUNCT
faba-184	364	6	y.	y.	PROPN
faba-184	364	7	shin	shin	PROPN
faba-184	364	8	,	,	PUNCT
faba-184	364	9	and	and	CCONJ
faba-184	364	10	r.	r.	PROPN
faba-184	364	11	smith	smith	PROPN
faba-184	364	12	.	.	PUNCT
faba-184	365	1	2001	2001	NUM
faba-184	365	2	.	.	PUNCT
faba-184	366	1	bounds	bound	VERB
faba-184	366	2	testing	test	VERB
faba-184	366	3	approaches	approach	NOUN
faba-184	366	4	to	to	ADP
faba-184	366	5	the	the	DET
faba-184	366	6	analysis	analysis	NOUN
faba-184	366	7	of	of	ADP
faba-184	366	8	level	level	NOUN
faba-184	366	9	relationships	relationship	NOUN
faba-184	366	10	.	.	PUNCT
faba-184	367	1	journal	journal	NOUN
faba-184	367	2	of	of	ADP
faba-184	367	3	applied	applied	ADJ
faba-184	367	4	econometrics	econometric	NOUN
faba-184	367	5	,	,	PUNCT
faba-184	367	6	16(3	16(3	NUM
faba-184	367	7	):	):	PUNCT
faba-184	367	8	289–326	289–326	NUM
faba-184	367	9	.	.	PUNCT
faba-184	368	1	sackey	sackey	NOUN
faba-184	368	2	,	,	PUNCT
faba-184	368	3	f.	f.	PROPN
faba-184	368	4	2018	2018	NUM
faba-184	368	5	.	.	PUNCT
faba-184	369	1	borrower	borrower	NOUN
faba-184	369	2	–	–	PUNCT
faba-184	369	3	lender	lender	NOUN
faba-184	369	4	relationship	relationship	NOUN
faba-184	369	5	and	and	CCONJ
faba-184	369	6	access	access	NOUN
faba-184	369	7	to	to	ADP
faba-184	369	8	commercial	commercial	ADJ
faba-184	369	9	banks	bank	NOUN
faba-184	369	10	’	'	PUNCT
faba-184	369	11	credit	credit	NOUN
faba-184	369	12	market	market	NOUN
faba-184	369	13	.	.	PUNCT
faba-184	370	1	journal	journal	NOUN
faba-184	370	2	of	of	ADP
faba-184	370	3	sustainable	sustainable	ADJ
faba-184	370	4	finance	finance	NOUN
faba-184	370	5	and	and	CCONJ
faba-184	370	6	investment	investment	NOUN
faba-184	370	7	,	,	PUNCT
faba-184	370	8	9(38	9(38	NUM
faba-184	370	9	):	):	PUNCT
faba-184	370	10	1–12	1–12	NOUN
faba-184	370	11	.	.	PUNCT
faba-184	371	1	https://doi.org/10.1080/20430795.2018.1507130	https://doi.org/10.1080/20430795.2018.1507130	PROPN
faba-184	371	2	sambo	sambo	PROPN
faba-184	371	3	,	,	PUNCT
faba-184	371	4	i.	i.	PROPN
faba-184	371	5	2019	2019	NUM
faba-184	371	6	.	.	PUNCT
faba-184	372	1	ieb	ieb	NOUN
faba-184	372	2	essay	essay	PROPN
faba-184	372	3	-	-	PUNCT
faba-184	372	4	unemployment	unemployment	NOUN
faba-184	372	5	,	,	PUNCT
faba-184	372	6	inequality	inequality	NOUN
faba-184	372	7	and	and	CCONJ
faba-184	372	8	poverty	poverty	NOUN
faba-184	372	9	in	in	ADP
faba-184	372	10	south	south	PROPN
faba-184	372	11	africa	africa	PROPN
faba-184	372	12	.	.	PUNCT
faba-184	373	1	conference	conference	NOUN
faba-184	373	2	:	:	PUNCT
faba-184	373	3	ieb	ieb	PROPN
faba-184	373	4	class	class	PROPN
faba-184	373	5	university	university	PROPN
faba-184	373	6	of	of	ADP
faba-184	373	7	western	western	ADJ
faba-184	373	8	cape	cape	NOUN
faba-184	373	9	,	,	PUNCT
faba-184	373	10	1–6	1–6	NUM
faba-184	373	11	.	.	PUNCT
faba-184	373	12	https://doi.org/10.13140/rg.2.2.18812.39040	https://doi.org/10.13140/rg.2.2.18812.39040	VERB
faba-184	373	13	simleit	simleit	NOUN
faba-184	373	14	,	,	PUNCT
faba-184	373	15	c.	c.	PROPN
faba-184	373	16	,	,	PUNCT
faba-184	373	17	g.	g.	PROPN
faba-184	373	18	keeton	keeton	PROPN
faba-184	373	19	,	,	PUNCT
faba-184	373	20	and	and	CCONJ
faba-184	373	21	f.	f.	PROPN
faba-184	373	22	botha	botha	PROPN
faba-184	373	23	.	.	PUNCT
faba-184	374	1	2011	2011	NUM
faba-184	374	2	.	.	PUNCT
faba-184	375	1	the	the	DET
faba-184	375	2	determinants	determinant	NOUN
faba-184	375	3	of	of	ADP
faba-184	375	4	household	household	NOUN
faba-184	375	5	savings	saving	NOUN
faba-184	375	6	in	in	ADP
faba-184	375	7	south	south	PROPN
faba-184	375	8	africa	africa	PROPN
faba-184	375	9	.	.	PUNCT
faba-184	376	1	journal	journal	PROPN
faba-184	376	2	for	for	ADP
faba-184	376	3	studies	study	NOUN
faba-184	376	4	in	in	ADP
faba-184	376	5	economics	economic	NOUN
faba-184	376	6	and	and	CCONJ
faba-184	376	7	econometrics	econometric	NOUN
faba-184	376	8	,	,	PUNCT
faba-184	376	9	35(3	35(3	NUM
faba-184	376	10	):	):	PUNCT
faba-184	376	11	1–20	1–20	NOUN
faba-184	376	12	.	.	PUNCT
faba-184	377	1	https://doi.org/10.1080/10800379.2011.12097228	https://doi.org/10.1080/10800379.2011.12097228	PROPN
faba-184	377	2	singh	singh	PROPN
faba-184	377	3	,	,	PUNCT
faba-184	377	4	a.	a.	NOUN
faba-184	377	5	,	,	PUNCT
faba-184	377	6	and	and	CCONJ
faba-184	377	7	a.	a.	PROPN
faba-184	377	8	k.	k.	PROPN
faba-184	377	9	sharma	sharma	PROPN
faba-184	377	10	.	.	PROPN
faba-184	378	1	2016	2016	NUM
faba-184	378	2	.	.	PUNCT
faba-184	379	1	an	an	DET
faba-184	379	2	empirical	empirical	ADJ
faba-184	379	3	analysis	analysis	NOUN
faba-184	379	4	of	of	ADP
faba-184	379	5	macroeconomic	macroeconomic	ADJ
faba-184	379	6	and	and	CCONJ
faba-184	379	7	bank	bank	NOUN
faba-184	379	8	-	-	PUNCT
faba-184	379	9	specific	specific	ADJ
faba-184	379	10	factors	factor	NOUN
faba-184	379	11	affecting	affect	VERB
faba-184	379	12	liquidity	liquidity	NOUN
faba-184	379	13	of	of	ADP
faba-184	379	14	indian	indian	ADJ
faba-184	379	15	banks	bank	NOUN
faba-184	379	16	.	.	PUNCT
faba-184	380	1	future	future	ADJ
faba-184	380	2	business	business	NOUN
faba-184	380	3	journal	journal	NOUN
faba-184	380	4	,	,	PUNCT
faba-184	380	5	2(1	2(1	NUM
faba-184	380	6	):	):	PUNCT
faba-184	380	7	40	40	NUM
faba-184	380	8	-	-	SYM
faba-184	380	9	53	53	NUM
faba-184	380	10	.	.	PUNCT
faba-184	381	1	https://doi.org/10.1016/j.fbj.2016.01.001	https://doi.org/10.1016/j.fbj.2016.01.001	PROPN
faba-184	381	2	.	.	PROPN
faba-184	381	3	snow	snow	PROPN
faba-184	381	4	,	,	PUNCT
faba-184	381	5	d.	d.	PROPN
faba-184	381	6	r.	r.	PROPN
faba-184	381	7	,	,	PUNCT
faba-184	381	8	and	and	CCONJ
faba-184	381	9	t.	t.	PROPN
faba-184	381	10	f.	f.	PROPN
faba-184	381	11	buss	buss	PROPN
faba-184	381	12	.	.	PUNCT
faba-184	382	1	2001	2001	NUM
faba-184	382	2	.	.	PUNCT
faba-184	383	1	development	development	NOUN
faba-184	383	2	and	and	CCONJ
faba-184	383	3	the	the	DET
faba-184	383	4	role	role	NOUN
faba-184	383	5	of	of	ADP
faba-184	383	6	microcredit	microcredit	NOUN
faba-184	383	7	.	.	PUNCT
faba-184	384	1	policy	policy	NOUN
faba-184	384	2	studies	study	NOUN
faba-184	384	3	journal	journal	NOUN
faba-184	384	4	,	,	PUNCT
faba-184	384	5	29(2	29(2	NUM
faba-184	384	6	):	):	PUNCT
faba-184	384	7	296–307	296–307	NUM
faba-184	384	8	.	.	PUNCT
faba-184	385	1	statistics	statistics	PROPN
faba-184	385	2	south	south	PROPN
faba-184	385	3	africa	africa	PROPN
faba-184	385	4	.	.	PUNCT
faba-184	386	1	2014	2014	NUM
faba-184	386	2	.	.	PUNCT
faba-184	387	1	south	south	PROPN
faba-184	387	2	africa	africa	PROPN
faba-184	387	3	unemployment	unemployment	NOUN
faba-184	387	4	rate	rate	NOUN
faba-184	387	5	–	–	PUNCT
faba-184	387	6	2006	2006	NUM
faba-184	387	7	data	datum	NOUN
faba-184	387	8	–	–	PUNCT
faba-184	387	9	2011	2011	NUM
faba-184	387	10	forecast	forecast	NOUN
faba-184	387	11	.	.	PUNCT
faba-184	388	1	https://www.statssa.gov.za%2014	https://www.statssa.gov.za%2014	PROPN
faba-184	388	2	statistics	statistics	PROPN
faba-184	388	3	south	south	PROPN
faba-184	388	4	africa	africa	PROPN
faba-184	388	5	.	.	PUNCT
faba-184	389	1	2024	2024	NUM
faba-184	389	2	.	.	PUNCT
faba-184	390	1	south	south	PROPN
faba-184	390	2	africa	africa	PROPN
faba-184	390	3	unemployment	unemployment	NOUN
faba-184	390	4	rate	rate	NOUN
faba-184	390	5	–	–	PUNCT
faba-184	390	6	2023	2023	NUM
faba-184	390	7	data	datum	NOUN
faba-184	390	8	–	–	PUNCT
faba-184	390	9	2024	2024	NUM
faba-184	390	10	forecast	forecast	NOUN
faba-184	390	11	.	.	PUNCT
faba-184	391	1	available	available	ADJ
faba-184	391	2	from	from	ADP
faba-184	391	3	:	:	PUNCT
faba-184	391	4	https://www.statssa.gov.za%2024	https://www.statssa.gov.za%2024	PROPN
faba-184	391	5	storchi	storchi	PROPN
faba-184	391	6	,	,	PUNCT
faba-184	391	7	s.	s.	PROPN
faba-184	391	8	2018	2018	NUM
faba-184	391	9	.	.	PUNCT
faba-184	392	1	impact	impact	NOUN
faba-184	392	2	evaluation	evaluation	NOUN
faba-184	392	3	of	of	ADP
faba-184	392	4	savings	saving	NOUN
faba-184	392	5	groups	group	NOUN
faba-184	392	6	and	and	CCONJ
faba-184	392	7	stokvels	stokvel	NOUN
faba-184	392	8	in	in	ADP
faba-184	392	9	south	south	PROPN
faba-184	392	10	africa	africa	PROPN
faba-184	392	11	.	.	PUNCT
faba-184	393	1	the	the	DET
faba-184	393	2	economic	economic	ADJ
faba-184	393	3	and	and	CCONJ
faba-184	393	4	social	social	ADJ
faba-184	393	5	value	value	NOUN
faba-184	393	6	of	of	ADP
faba-184	393	7	group	group	NOUN
faba-184	393	8	-	-	PUNCT
faba-184	393	9	based	base	VERB
faba-184	393	10	financial	financial	ADJ
faba-184	393	11	inclusion	inclusion	NOUN
faba-184	393	12	.	.	PUNCT
faba-184	394	1	fin	fin	PROPN
faba-184	394	2	mark	mark	PROPN
faba-184	394	3	trust	trust	PROPN
faba-184	394	4	,	,	PUNCT
faba-184	394	5	october	october	PROPN
faba-184	394	6	.	.	PUNCT
faba-184	395	1	available	available	ADJ
faba-184	395	2	from	from	ADP
faba-184	395	3	:	:	PUNCT
faba-184	395	4	www.finmark.org.za/wp-content/uploads/2018/11/fmt	www.finmark.org.za/wp-content/uploads/2018/11/fmt	PROPN
faba-184	395	5	sukmaningsih	sukmaningsih	PROPN
faba-184	395	6	,	,	PUNCT
faba-184	395	7	d.	d.	PROPN
faba-184	395	8	w.	w.	PROPN
faba-184	395	9	2018	2018	NUM
faba-184	395	10	.	.	PUNCT
faba-184	396	1	a	a	DET
faba-184	396	2	model	model	NOUN
faba-184	396	3	for	for	ADP
faba-184	396	4	lender	lender	NOUN
faba-184	396	5	-	-	PUNCT
faba-184	396	6	borrower	borrower	NOUN
faba-184	396	7	trust	trust	NOUN
faba-184	396	8	in	in	ADP
faba-184	396	9	peer	peer	NOUN
faba-184	396	10	-	-	PUNCT
faba-184	396	11	to	to	ADP
faba-184	396	12	-	-	PUNCT
faba-184	396	13	peer	peer	NOUN
faba-184	396	14	lending	lending	NOUN
faba-184	396	15	.	.	PUNCT
faba-184	397	1	comtech	comtech	PROPN
faba-184	397	2	computer	computer	NOUN
faba-184	397	3	mathematics	mathematics	PROPN
faba-184	397	4	and	and	CCONJ
faba-184	397	5	engineering	engineering	NOUN
faba-184	397	6	applications	application	NOUN
faba-184	397	7	,	,	PUNCT
faba-184	397	8	9(1	9(1	NUM
faba-184	397	9	):	):	PUNCT
faba-184	397	10	15–24	15–24	NUM
faba-184	397	11	.	.	PUNCT
faba-184	398	1	https://doi.org/10.21512/comtech.v9i1.4287	https://doi.org/10.21512/comtech.v9i1.4287	PROPN
faba-184	398	2	tenenbaum	tenenbaum	PROPN
faba-184	398	3	,	,	PUNCT
faba-184	398	4	h.	h.	PROPN
faba-184	398	5	2021	2021	NUM
faba-184	398	6	.	.	PUNCT
faba-184	399	1	what	what	PRON
faba-184	399	2	is	be	AUX
faba-184	399	3	hiding	hide	VERB
faba-184	399	4	behind	behind	ADP
faba-184	399	5	the	the	DET
faba-184	399	6	money	money	NOUN
faba-184	399	7	accumulating	accumulate	VERB
faba-184	399	8	in	in	ADP
faba-184	399	9	utah	utah	PROPN
faba-184	399	10	?	?	PUNCT
faba-184	399	11	environment	environment	NOUN
faba-184	399	12	and	and	CCONJ
faba-184	399	13	planning	plan	VERB
faba-184	399	14	a	a	DET
faba-184	399	15	:	:	PUNCT
faba-184	399	16	economy	economy	NOUN
faba-184	399	17	and	and	CCONJ
faba-184	399	18	space	space	NOUN
faba-184	399	19	,	,	PUNCT
faba-184	399	20	53(8	53(8	NUM
faba-184	399	21	):	):	PUNCT
faba-184	399	22	1879–1895	1879–1895	NUM
faba-184	399	23	.	.	PUNCT
faba-184	400	1	https://doi.org/10.1177/0308518x211041371	https://doi.org/10.1177/0308518x211041371	PROPN
faba-184	400	2	tengeh	tengeh	VERB
faba-184	400	3	,	,	PUNCT
faba-184	400	4	r.	r.	PROPN
faba-184	400	5	k.	k.	PROPN
faba-184	400	6	,	,	PUNCT
faba-184	400	7	and	and	CCONJ
faba-184	400	8	l.	l.	PROPN
faba-184	400	9	nkem	nkem	PROPN
faba-184	400	10	.	.	PUNCT
faba-184	401	1	2017	2017	NUM
faba-184	401	2	.	.	PUNCT
faba-184	402	1	sustaining	sustain	VERB
faba-184	402	2	immigrant	immigrant	ADJ
faba-184	402	3	entrepreneurship	entrepreneurship	NOUN
faba-184	402	4	in	in	ADP
faba-184	402	5	south	south	PROPN
faba-184	402	6	africa	africa	PROPN
faba-184	402	7	:	:	PUNCT
faba-184	402	8	the	the	DET
faba-184	402	9	role	role	NOUN
faba-184	402	10	of	of	ADP
faba-184	402	11	informal	informal	ADJ
faba-184	402	12	financial	financial	ADJ
faba-184	402	13	associations	association	NOUN
faba-184	402	14	.	.	PUNCT
faba-184	403	1	sustainability	sustainability	NOUN
faba-184	403	2	,	,	PUNCT
faba-184	403	3	9(8	9(8	NUM
faba-184	403	4	):	):	PUNCT
faba-184	403	5	1396	1396	NUM
faba-184	403	6	.	.	PUNCT
faba-184	404	1	https://doi.org/10.3390/su9081396	https://doi.org/10.3390/su9081396	PUNCT
faba-184	404	2	turan	turan	PROPN
faba-184	404	3	,	,	PUNCT
faba-184	404	4	g.	g.	PROPN
faba-184	404	5	,	,	PUNCT
faba-184	404	6	and	and	CCONJ
faba-184	404	7	o.	o.	PROPN
faba-184	404	8	gjergji	gjergji	PROPN
faba-184	404	9	.	.	PUNCT
faba-184	405	1	2014	2014	NUM
faba-184	405	2	.	.	PUNCT
faba-184	406	1	what	what	PRON
faba-184	406	2	is	be	AUX
faba-184	406	3	the	the	DET
faba-184	406	4	impact	impact	NOUN
faba-184	406	5	of	of	ADP
faba-184	406	6	savings	saving	NOUN
faba-184	406	7	on	on	ADP
faba-184	406	8	growth	growth	NOUN
faba-184	406	9	?	?	PUNCT
faba-184	407	1	the	the	DET
faba-184	407	2	case	case	NOUN
faba-184	407	3	of	of	ADP
faba-184	407	4	a	a	DET
faba-184	407	5	small	small	ADJ
faba-184	407	6	open	open	ADJ
faba-184	407	7	economy	economy	NOUN
faba-184	407	8	(	(	PUNCT
faba-184	407	9	albania	albania	PROPN
faba-184	407	10	)	)	PUNCT
faba-184	407	11	.	.	PUNCT
faba-184	408	1	mediterranean	mediterranean	PROPN
faba-184	408	2	journal	journal	PROPN
faba-184	408	3	of	of	ADP
faba-184	408	4	social	social	ADJ
faba-184	408	5	sciences	science	NOUN
faba-184	408	6	,	,	PUNCT
faba-184	408	7	5(13	5(13	NUM
faba-184	408	8	)	)	PUNCT
faba-184	408	9	.	.	PUNCT
faba-184	409	1	https://doi.org/10.5901/mjss.2014.v5n13p360	https://doi.org/10.5901/mjss.2014.v5n13p360	PROPN
faba-184	409	2	van	van	PROPN
faba-184	409	3	wyk	wyk	PROPN
faba-184	409	4	,	,	PUNCT
faba-184	409	5	m.	m.	NOUN
faba-184	409	6	2017	2017	NUM
faba-184	409	7	.	.	PUNCT
faba-184	410	1	stokvels	stokvel	NOUN
faba-184	410	2	as	as	ADP
faba-184	410	3	a	a	DET
faba-184	410	4	community	community	NOUN
faba-184	410	5	-	-	PUNCT
faba-184	410	6	based	base	VERB
faba-184	410	7	saving	saving	NOUN
faba-184	410	8	club	club	NOUN
faba-184	410	9	aimed	aim	VERB
faba-184	410	10	at	at	ADP
faba-184	410	11	eradicating	eradicate	VERB
faba-184	410	12	poverty	poverty	NOUN
faba-184	410	13	:	:	PUNCT
faba-184	410	14	a	a	DET
faba-184	410	15	case	case	NOUN
faba-184	410	16	of	of	ADP
faba-184	410	17	south	south	ADJ
faba-184	410	18	african	african	ADJ
faba-184	410	19	rural	rural	ADJ
faba-184	410	20	women	woman	NOUN
faba-184	410	21	.	.	PUNCT
faba-184	411	1	the	the	DET
faba-184	411	2	international	international	ADJ
faba-184	411	3	journal	journal	NOUN
faba-184	411	4	of	of	ADP
faba-184	411	5	community	community	NOUN
faba-184	411	6	diversity	diversity	NOUN
faba-184	411	7	,	,	PUNCT
faba-184	411	8	17(2	17(2	NUM
faba-184	411	9	):	):	PUNCT
faba-184	411	10	14–26	14–26	NUM
faba-184	411	11	.	.	PUNCT
faba-184	412	1	verhoef	verhoef	NOUN
faba-184	412	2	,	,	PUNCT
faba-184	412	3	g.	g.	PROPN
faba-184	412	4	2001a	2001a	NUM
faba-184	412	5	.	.	PUNCT
faba-184	413	1	savings	saving	NOUN
faba-184	413	2	and	and	CCONJ
faba-184	413	3	survival	survival	NOUN
faba-184	413	4	in	in	ADP
faba-184	413	5	a	a	DET
faba-184	413	6	modern	modern	ADJ
faba-184	413	7	african	african	ADJ
faba-184	413	8	economy	economy	NOUN
faba-184	413	9	:	:	PUNCT
faba-184	413	10	informal	informal	ADJ
faba-184	413	11	savings	saving	NOUN
faba-184	413	12	organisations	organisation	NOUN
faba-184	413	13	and	and	CCONJ
faba-184	413	14	poor	poor	ADJ
faba-184	413	15	people	people	NOUN
faba-184	413	16	in	in	ADP
faba-184	413	17	south	south	PROPN
faba-184	413	18	africa	africa	PROPN
faba-184	413	19	.	.	PUNCT
faba-184	414	1	historia	historia	PROPN
faba-184	414	2	,	,	PUNCT
faba-184	414	3	46(2	46(2	NOUN
faba-184	414	4	):	):	PUNCT
faba-184	414	5	519–542	519–542	NUM
faba-184	414	6	.	.	PUNCT
faba-184	415	1	https://doi.org/10.1007/s40953-021-00255-x	https://doi.org/10.1007/s40953-021-00255-x	PROPN
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faba-184	415	4	https://www.saiia.org.za/occasional-papers/promoting-financial-inclusion-for-inclusive-growth-in-africa/	https://www.saiia.org.za/occasional-papers/promoting-financial-inclusion-for-inclusive-growth-in-africa/	PROPN
faba-184	415	5	https://www.saiia.org.za/occasional-papers/promoting-financial-inclusion-for-inclusive-growth-in-africa/	https://www.saiia.org.za/occasional-papers/promoting-financial-inclusion-for-inclusive-growth-in-africa/	PROPN
faba-184	415	6	https://www.researchgate.net/journal/journal-of-sustainable-finance-investment-2043-0795	https://www.researchgate.net/journal/journal-of-sustainable-finance-investment-2043-0795	PUNCT
faba-184	415	7	https://www.researchgate.net/journal/journal-of-sustainable-finance-investment-2043-0795	https://www.researchgate.net/journal/journal-of-sustainable-finance-investment-2043-0795	X
faba-184	415	8	https://doi.org/10.1080/20430795.2018.1507130	https://doi.org/10.1080/20430795.2018.1507130	PROPN
faba-184	415	9	https://doi.org/10.13140/rg.2.2.18812.39040	https://doi.org/10.13140/rg.2.2.18812.39040	VERB
faba-184	415	10	https://www.researchgate.net/journal/journal-for-studies-in-economics-and-econometrics-0379-6205	https://www.researchgate.net/journal/journal-for-studies-in-economics-and-econometrics-0379-6205	ADV
faba-184	415	11	https://www.researchgate.net/journal/journal-for-studies-in-economics-and-econometrics-0379-6205	https://www.researchgate.net/journal/journal-for-studies-in-economics-and-econometrics-0379-6205	X
faba-184	415	12	https://doi.org/10.1080/10800379.2011.12097228	https://doi.org/10.1080/10800379.2011.12097228	PROPN
faba-184	415	13	https://doi.org/10.1016/j.fbj.2016.01.001	https://doi.org/10.1016/j.fbj.2016.01.001	PROPN
faba-184	415	14	http://www.finmark.org.za/wp-content/uploads/2018/11/fmthttps://www.researchgate.net/journal/comtech-computer-mathematics-and-engineering-applications-2087-1244	http://www.finmark.org.za/wp-content/uploads/2018/11/fmthttps://www.researchgate.net/journal/comtech-computer-mathematics-and-engineering-applications-2087-1244	PROPN
faba-184	415	15	https://www.researchgate.net/journal/comtech-computer-mathematics-and-engineering-applications-2087-1244	https://www.researchgate.net/journal/comtech-computer-mathematics-and-engineering-applications-2087-1244	PROPN
faba-184	416	1	https://doi.org/10.21512/comtech.v9i1.4287	https://doi.org/10.21512/comtech.v9i1.4287	PROPN
faba-184	416	2	https://doi.org/10.1177/0308518x211041371	https://doi.org/10.1177/0308518x211041371	NOUN
faba-184	416	3	https://doi.org/10.3390/su9081396	https://doi.org/10.3390/su9081396	PRON
faba-184	416	4	https://www.researchgate.net/journal/mediterranean-journal-of-social-sciences-2039-2117	https://www.researchgate.net/journal/mediterranean-journal-of-social-sciences-2039-2117	PROPN
faba-184	416	5	https://doi.org/10.5901/mjss.2014.v5n13p360	https://doi.org/10.5901/mjss.2014.v5n13p360	PROPN
faba-184	416	6	l.	l.	PROPN
faba-184	416	7	ngcobo	ngcobo	PROPN
faba-184	416	8	,	,	PUNCT
faba-184	416	9	j.	j.	PROPN
faba-184	416	10	chisasa	chisasa	PROPN
faba-184	416	11	,	,	PUNCT
faba-184	416	12	m.	m.	NOUN
faba-184	416	13	t.	t.	PROPN
faba-184	416	14	masetshaba	masetshaba	PROPN
faba-184	416	15	/	/	SYM
faba-184	416	16	finance	finance	NOUN
faba-184	416	17	,	,	PUNCT
faba-184	416	18	accounting	accounting	NOUN
faba-184	416	19	and	and	CCONJ
faba-184	416	20	business	business	NOUN
faba-184	416	21	analysis	analysis	NOUN
faba-184	416	22	,	,	PUNCT
faba-184	416	23	volume	volume	NOUN
faba-184	416	24	6	6	NUM
faba-184	416	25	,	,	PUNCT
faba-184	416	26	issue	issue	NOUN
faba-184	416	27	1	1	NUM
faba-184	416	28	,	,	PUNCT
faba-184	416	29	2024	2024	NUM
faba-184	416	30	98	98	NUM
faba-184	416	31	verhoef	verhoef	NOUN
faba-184	416	32	,	,	PUNCT
faba-184	416	33	g.	g.	PROPN
faba-184	416	34	2001b	2001b	NUM
faba-184	416	35	.	.	PUNCT
faba-184	417	1	informal	informal	ADJ
faba-184	417	2	financial	financial	ADJ
faba-184	417	3	service	service	NOUN
faba-184	417	4	institutions	institution	NOUN
faba-184	417	5	for	for	ADP
faba-184	417	6	survival	survival	NOUN
faba-184	417	7	:	:	PUNCT
faba-184	417	8	african	african	ADJ
faba-184	417	9	women	woman	NOUN
faba-184	417	10	and	and	CCONJ
faba-184	417	11	stokvels	stokvel	NOUN
faba-184	417	12	in	in	ADP
faba-184	417	13	urban	urban	PROPN
faba-184	417	14	south	south	PROPN
faba-184	417	15	africa	africa	PROPN
faba-184	417	16	,	,	PUNCT
faba-184	417	17	1980	1980	NUM
faba-184	417	18	-	-	SYM
faba-184	417	19	1988	1988	NUM
faba-184	417	20	.	.	PUNCT
faba-184	418	1	enterprise	enterprise	NOUN
faba-184	418	2	and	and	CCONJ
faba-184	418	3	society	society	NOUN
faba-184	418	4	,	,	PUNCT
faba-184	418	5	2(2	2(2	NUM
faba-184	418	6	):	):	PUNCT
faba-184	418	7	259–296	259–296	NUM
faba-184	418	8	.	.	PUNCT
faba-184	419	1	verhoef	verhoef	NOUN
faba-184	419	2	,	,	PUNCT
faba-184	419	3	g.	g.	PROPN
faba-184	419	4	2008	2008	NUM
faba-184	419	5	.	.	PUNCT
faba-184	420	1	social	social	ADJ
faba-184	420	2	capital	capital	NOUN
faba-184	420	3	in	in	ADP
faba-184	420	4	voluntary	voluntary	ADJ
faba-184	420	5	savings	saving	NOUN
faba-184	420	6	organisations	organisation	NOUN
faba-184	420	7	in	in	ADP
faba-184	420	8	south	south	PROPN
faba-184	420	9	africa	africa	PROPN
faba-184	420	10	in	in	ADP
faba-184	420	11	historical	historical	ADJ
faba-184	420	12	perspective	perspective	NOUN
faba-184	420	13	.	.	PUNCT
faba-184	421	1	new	new	ADJ
faba-184	421	2	contree	contree	PROPN
faba-184	421	3	,	,	PUNCT
faba-184	421	4	56(1	56(1	NUM
faba-184	421	5	):	):	PUNCT
faba-184	421	6	51–79	51–79	ADV
faba-184	421	7	.	.	PUNCT
faba-184	422	1	yusuf	yusuf	PROPN
faba-184	422	2	,	,	PUNCT
faba-184	422	3	n.	n.	PROPN
faba-184	422	4	,	,	PUNCT
faba-184	422	5	t.	t.	PROPN
faba-184	422	6	gafar	gafar	ADV
faba-184	422	7	,	,	PUNCT
faba-184	422	8	m.	m.	NOUN
faba-184	422	9	a.	a.	NOUN
faba-184	422	10	ijaiya	ijaiya	PROPN
faba-184	422	11	.	.	PUNCT
faba-184	423	1	2009	2009	NUM
faba-184	423	2	.	.	PUNCT
faba-184	424	1	informal	informal	ADJ
faba-184	424	2	financial	financial	ADJ
faba-184	424	3	institutions	institution	NOUN
faba-184	424	4	and	and	CCONJ
faba-184	424	5	poverty	poverty	NOUN
faba-184	424	6	reduction	reduction	NOUN
faba-184	424	7	in	in	ADP
faba-184	424	8	the	the	DET
faba-184	424	9	informal	informal	ADJ
faba-184	424	10	sector	sector	NOUN
faba-184	424	11	of	of	ADP
faba-184	424	12	offa	offa	NOUN
faba-184	424	13	town	town	NOUN
faba-184	424	14	,	,	PUNCT
faba-184	424	15	kwara	kwara	PROPN
faba-184	424	16	state	state	PROPN
faba-184	424	17	:	:	PUNCT
faba-184	424	18	a	a	DET
faba-184	424	19	case	case	NOUN
faba-184	424	20	study	study	NOUN
faba-184	424	21	of	of	ADP
faba-184	424	22	rotational	rotational	ADJ
faba-184	424	23	saving	saving	NOUN
faba-184	424	24	and	and	CCONJ
faba-184	424	25	credit	credit	NOUN
faba-184	424	26	associations	association	NOUN
faba-184	424	27	(	(	PUNCT
faba-184	424	28	rscas	rscas	PROPN
faba-184	424	29	)	)	PUNCT
faba-184	424	30	.	.	PUNCT
faba-184	425	1	journal	journal	NOUN
faba-184	425	2	of	of	ADP
faba-184	425	3	social	social	ADJ
faba-184	425	4	sciences	science	NOUN
faba-184	425	5	,	,	PUNCT
faba-184	425	6	20(1	20(1	NUM
faba-184	425	7	):	):	PUNCT
faba-184	425	8	71–81	71–81	NUM
faba-184	425	9	.	.	PUNCT