id	sid	eid	entity	type
gujaf-387	1	1	microsoft	ORG
gujaf-387	1	2	hassan	PERSON
gujaf-387	1	3	6 1	CARDINAL
gujaf-387	1	4	vol.6	NORP
gujaf-387	1	5	1, april	DATE
gujaf-387	1	6	2025 320	CARDINAL
gujaf-387	1	7	nigeria	GPE
gujaf-387	1	8	phd	NORP
gujaf-387	1	9	aiin	PERSON
gujaf-387	1	10	ogun state	GPE
gujaf-387	1	11	nigeria	GPE
gujaf-387	2	1	kologa inebimowei freedom department of insurance niger delta university	ORG
gujaf-387	2	2	wilberforce island	GPE
gujaf-387	2	3	bayelsa state	GPE
gujaf-387	2	4	nigeria kologainebimowei@ndu.edu.ng	NORP
gujaf-387	2	5	+2347057585440	ORG
gujaf-387	2	6	nigeria	GPE
gujaf-387	2	7	nigerian	NORP
gujaf-387	3	1	19-year	DATE
gujaf-387	3	2	2005-2023	DATE
gujaf-387	3	3	three	CARDINAL
gujaf-387	9	1	1.0	CARDINAL
gujaf-387	9	2	nigeria	GPE
gujaf-387	11	1	2025	DATE
gujaf-387	11	2	2023	CARDINAL
gujaf-387	11	3	2023	CARDINAL
gujaf-387	13	1	kenya	GPE
gujaf-387	13	2	imperial bank	ORG
gujaf-387	13	3	cbk	ORG
gujaf-387	13	4	2015	DATE
gujaf-387	13	5	the andhra pradesh microfinance crisis	ORG
gujaf-387	13	6	2011	DATE
gujaf-387	14	1	nigerian	NORP
gujaf-387	15	1	vol.6	NORP
gujaf-387	15	2	1, april,	DATE
gujaf-387	15	3	321	CARDINAL
gujaf-387	16	1	2023	CARDINAL
gujaf-387	16	2	2023	CARDINAL
gujaf-387	18	1	2025	CARDINAL
gujaf-387	18	2	nigerian	NORP
gujaf-387	19	1	nigerian	NORP
gujaf-387	20	1	19-year	DATE
gujaf-387	22	1	nigerian	NORP
gujaf-387	25	1	nigerian	NORP
gujaf-387	26	1	nigerian	NORP
gujaf-387	28	1	berger & udell	ORG
gujaf-387	28	2	1990	DATE
gujaf-387	29	1	nigerian	NORP
gujaf-387	30	1	2012	DATE
gujaf-387	32	1	third	ORDINAL
gujaf-387	32	2	cummins & lewis	ORG
gujaf-387	32	3	2003	DATE
gujaf-387	33	1	nigerian	NORP
gujaf-387	34	1	hannan & hanweck	ORG
gujaf-387	34	2	1988	DATE
gujaf-387	34	3	diamond & dybvig,	ORG
gujaf-387	34	4	1983	DATE
gujaf-387	36	1	the basel committee	ORG
gujaf-387	36	2	2010	DATE
gujaf-387	38	1	gusau journal of accounting	ORG
gujaf-387	38	2	vol.6	NORP
gujaf-387	38	3	1, april,	DATE
gujaf-387	38	4	2025	CARDINAL
gujaf-387	38	5	322	CARDINAL
gujaf-387	38	6	kindleberger	PERSON
gujaf-387	38	7	1978	DATE
gujaf-387	38	8	1986	DATE
gujaf-387	39	1	kindleberger	PERSON
gujaf-387	39	2	nigerian	NORP
gujaf-387	40	1	minsky	PERSON
gujaf-387	43	1	2025	CARDINAL
gujaf-387	44	1	nigerian	NORP
gujaf-387	45	1	2023	CARDINAL
gujaf-387	45	2	ethiopia	GPE
gujaf-387	46	1	ethiopia	GPE
gujaf-387	46	2	nigeria	GPE
gujaf-387	47	1	aliyu	PERSON
gujaf-387	47	2	2023	CARDINAL
gujaf-387	47	3	2023	CARDINAL
gujaf-387	47	4	nigerian	NORP
gujaf-387	49	1	three	CARDINAL
gujaf-387	50	1	first	ORDINAL
gujaf-387	51	1	second	ORDINAL
gujaf-387	52	1	third	ORDINAL
gujaf-387	53	1	nigerian	NORP
gujaf-387	53	2	19-year	DATE
gujaf-387	55	1	3.0	CARDINAL
gujaf-387	55	2	annual	DATE
gujaf-387	55	3	2005	DATE
gujaf-387	55	4	2023	CARDINAL
gujaf-387	55	5	nigerian	NORP
gujaf-387	55	6	the national bureau of statistics	ORG
gujaf-387	56	1	nigerian	NORP
gujaf-387	58	1	ci	PERSON
gujaf-387	59	1	gusau journal of accounting	ORG
gujaf-387	59	2	vol.6	NORP
gujaf-387	59	3	1, april,	DATE
gujaf-387	59	4	2025	CARDINAL
gujaf-387	59	5	323	PRODUCT
gujaf-387	60	1	first	ORDINAL
gujaf-387	61	1	johansen	PERSON
gujaf-387	62	1	at least one	CARDINAL
gujaf-387	65	1	+ 𝛽1𝐿𝐿𝑅𝑡 +	DATE
gujaf-387	65	2	εt	ORG
gujaf-387	67	1	1	CARDINAL
gujaf-387	67	2	1	CARDINAL
gujaf-387	67	3	1	CARDINAL
gujaf-387	67	4	1∑𝑝	CARDINAL
gujaf-387	67	5	1𝛾𝑖𝛥𝑋𝑡	CARDINAL
gujaf-387	68	1	first	ORDINAL
gujaf-387	68	2	llr	PERSON
gujaf-387	68	3	ci	PERSON
gujaf-387	68	4	aic	ORG
gujaf-387	68	5	two years	DATE
gujaf-387	74	1	gusau journal of accounting	ORG
gujaf-387	74	2	vol.6	NORP
gujaf-387	74	3	1, april,	DATE
gujaf-387	74	4	324	PRODUCT
gujaf-387	75	1	4.0	CARDINAL
gujaf-387	75	2	nigeria	GPE
gujaf-387	76	1	1	CARDINAL
gujaf-387	76	2	0.0000	CARDINAL
gujaf-387	76	3	0.0150	CARDINAL
gujaf-387	76	4	first	ORDINAL
gujaf-387	76	5	0.0000	CARDINAL
gujaf-387	76	6	0.0079	CARDINAL
gujaf-387	76	7	first	ORDINAL
gujaf-387	76	8	2025	CARDINAL
gujaf-387	77	1	first	ORDINAL
gujaf-387	78	1	second	ORDINAL
gujaf-387	80	1	2	CARDINAL
gujaf-387	80	2	0.05	CARDINAL
gujaf-387	84	1	0.895277 59.87572	MONEY
gujaf-387	84	2	1 0.625953	CARDINAL
gujaf-387	84	3	2	CARDINAL
gujaf-387	84	4	3 0.023791	CARDINAL
gujaf-387	84	5	2025	DATE
gujaf-387	85	1	johansen	PERSON
gujaf-387	85	2	one	CARDINAL
gujaf-387	85	3	59.88	CARDINAL
gujaf-387	85	4	40.17	CARDINAL
gujaf-387	85	5	5%	PERCENT
gujaf-387	85	6	0.0002	CARDINAL
gujaf-387	86	1	nigerian	NORP
gujaf-387	88	1	gusau journal of accounting	ORG
gujaf-387	88	2	vol.6	NORP
gujaf-387	88	3	1, april,	DATE
gujaf-387	88	4	2025	CARDINAL
gujaf-387	88	5	325	CARDINAL
gujaf-387	88	6	3	CARDINAL
gujaf-387	88	7	1.000000	CARDINAL
gujaf-387	89	1	5.8e-07	CARDINAL
gujaf-387	90	1	0.55910	CARDINAL
gujaf-387	91	1	2.046067	CARDINAL
gujaf-387	92	1	ossreserve1	DATE
gujaf-387	92	2	ance2	PERSON
gujaf-387	93	1	0.014933 -0.040123 -4339.609 -0.043095	DATE
gujaf-387	93	2	0.04194	MONEY
gujaf-387	93	3	40520.0	CARDINAL
gujaf-387	93	4	0.02934	CARDINAL
gujaf-387	96	1	0.724000 0.768129 0.330965 0.871527	MONEY
gujaf-387	97	1	0.586001 0.652193 -0.003553 0.807291	MONEY
gujaf-387	97	2	0.206478	MONEY
gujaf-387	97	3	1.93e+11	DATE
gujaf-387	97	4	0.101016	PRODUCT
gujaf-387	97	5	0.072614 0.143693 138818.7	MONEY
gujaf-387	97	6	0.100507	ORG
gujaf-387	97	7	5.246389 6.625479	MONEY
gujaf-387	97	8	2025	DATE
gujaf-387	101	1	1	CARDINAL
gujaf-387	101	2	nigerian	NORP
gujaf-387	103	1	higher than 1.96	CARDINAL
gujaf-387	103	2	two	CARDINAL
gujaf-387	103	3	0.05	CARDINAL
gujaf-387	106	1	nigerian	NORP
gujaf-387	107	1	gusau journal of accounting	ORG
gujaf-387	107	2	vol.6	NORP
gujaf-387	107	3	1, april,	DATE
gujaf-387	107	4	2025	CARDINAL
gujaf-387	107	5	326	CARDINAL
gujaf-387	107	6	2	CARDINAL
gujaf-387	107	7	nigerian	NORP
gujaf-387	109	1	higher than 1.96	CARDINAL
gujaf-387	110	1	2.64432	CARDINAL
gujaf-387	110	2	0.213494	CARDINAL
gujaf-387	112	1	nigerian	NORP
gujaf-387	113	1	3	CARDINAL
gujaf-387	113	2	nigerian	NORP
gujaf-387	115	1	higher than 1.96	CARDINAL
gujaf-387	116	1	2.97293	CARDINAL
gujaf-387	116	2	0.167886	CARDINAL
gujaf-387	118	1	nigerian	NORP
gujaf-387	119	1	0 20 40	MONEY
gujaf-387	119	2	100	CARDINAL
gujaf-387	119	3	120	CARDINAL
gujaf-387	119	4	10	CARDINAL
gujaf-387	119	5	0 20 40	MONEY
gujaf-387	119	6	100	CARDINAL
gujaf-387	119	7	10	CARDINAL
gujaf-387	119	8	0 10 20 30 40 50	PERCENT
gujaf-387	119	9	10	CARDINAL
gujaf-387	119	10	20 40	DATE
gujaf-387	119	11	10	CARDINAL
gujaf-387	119	12	1	CARDINAL
gujaf-387	119	13	2025	CARDINAL
gujaf-387	121	1	1	CARDINAL
gujaf-387	124	1	gusau journal of accounting	ORG
gujaf-387	124	2	vol.6	NORP
gujaf-387	124	3	1, april	DATE
gujaf-387	124	4	2025	CARDINAL
gujaf-387	124	5	327	CARDINAL
gujaf-387	124	6	.00 .02 .04 .06 .08 .10	MONEY
gujaf-387	124	7	10	CARDINAL
gujaf-387	124	8	one	CARDINAL
gujaf-387	125	1	.00 .05 .10	MONEY
gujaf-387	125	2	10	CARDINAL
gujaf-387	125	3	one	CARDINAL
gujaf-387	125	4	20,000 40,000 60,000 80,000	MONEY
gujaf-387	125	5	10	CARDINAL
gujaf-387	125	6	one	CARDINAL
gujaf-387	127	1	.000	CARDINAL
gujaf-387	127	2	10	CARDINAL
gujaf-387	127	3	one	CARDINAL
gujaf-387	127	4	2	CARDINAL
gujaf-387	127	5	2025	CARDINAL
gujaf-387	127	6	first	ORDINAL
gujaf-387	127	7	three	CARDINAL
gujaf-387	128	1	0	CARDINAL
gujaf-387	128	2	0.0060	CARDINAL
gujaf-387	128	3	0.0023	CARDINAL
gujaf-387	129	1	0	CARDINAL
gujaf-387	129	2	0.0052	CARDINAL
gujaf-387	129	3	0.0136	CARDINAL
gujaf-387	129	4	first	ORDINAL
gujaf-387	129	5	three	CARDINAL
gujaf-387	131	1	4	CARDINAL
gujaf-387	131	2	chi-sq df	PERSON
gujaf-387	132	1	1 1.008324	CARDINAL
gujaf-387	132	2	1.175685	CARDINAL
gujaf-387	132	3	6.200514	CARDINAL
gujaf-387	132	4	0.1847	PRODUCT
gujaf-387	132	5	chi-sq df	PERSON
gujaf-387	133	1	1	CARDINAL
gujaf-387	133	2	6.492486	CARDINAL
gujaf-387	133	3	0.1653	ORG
gujaf-387	133	4	1	CARDINAL
gujaf-387	134	1	3.364752 2	QUANTITY
gujaf-387	134	2	gusau journal of accounting	ORG
gujaf-387	134	3	vol.6	NORP
gujaf-387	134	4	1, april	DATE
gujaf-387	134	5	2025	CARDINAL
gujaf-387	134	6	328	CARDINAL
gujaf-387	134	7	12.69300	CARDINAL
gujaf-387	134	8	8	CARDINAL
gujaf-387	134	9	2025	CARDINAL
gujaf-387	135	1	0.1847	CARDINAL
gujaf-387	135	2	0.1653	GPE
gujaf-387	135	3	0.1229	MONEY
gujaf-387	135	4	jarque-bera	ORG
gujaf-387	138	1	5	CARDINAL
gujaf-387	139	1	0.8129	CARDINAL
gujaf-387	139	2	2025	DATE
gujaf-387	141	1	1	CARDINAL
gujaf-387	141	2	2	CARDINAL
gujaf-387	141	3	0.8714	CARDINAL
gujaf-387	141	4	0.8129	CARDINAL
gujaf-387	144	1	6 vec	QUANTITY
gujaf-387	144	2	chi-sq	PERSON
gujaf-387	145	1	100.7552	CARDINAL
gujaf-387	145	2	0.4600	CARDINAL
gujaf-387	145	3	2025	DATE
gujaf-387	146	1	100.7552	CARDINAL
gujaf-387	146	2	100 degrees	QUANTITY
gujaf-387	146	3	0.4600	CARDINAL
gujaf-387	148	1	gusau journal of accounting	ORG
gujaf-387	148	2	vol.6	NORP
gujaf-387	148	3	1, april, 2025 329	DATE
gujaf-387	148	4	nigeria	GPE
gujaf-387	148	5	nigerian	NORP
gujaf-387	150	1	2023	CARDINAL
gujaf-387	151	1	2023	CARDINAL
gujaf-387	152	1	2023	CARDINAL
gujaf-387	152	2	2021	CARDINAL
gujaf-387	152	3	2021	CARDINAL
gujaf-387	152	4	ethiopian	NORP
gujaf-387	152	5	nigerian	NORP
gujaf-387	153	1	antony	PERSON
gujaf-387	153	2	2023	CARDINAL
gujaf-387	153	3	indian	NORP
gujaf-387	154	1	5.0	CARDINAL
gujaf-387	154	2	nigeria	GPE
gujaf-387	154	3	nigerian	NORP
gujaf-387	155	1	2005	DATE
gujaf-387	155	2	2023	CARDINAL
gujaf-387	164	1	nigeria	GPE
gujaf-387	165	1	gusau journal of accounting	ORG
gujaf-387	165	2	vol.6	NORP
gujaf-387	165	3	1, april,	DATE
gujaf-387	165	4	330	CARDINAL
gujaf-387	166	1	nigeria	GPE
gujaf-387	168	1	nigeria	GPE
gujaf-387	169	1	nigeria	GPE
gujaf-387	178	1	nigerian	NORP
gujaf-387	179	1	w. a.	PERSON
gujaf-387	179	2	ugochukwu	GPE
gujaf-387	179	3	c. e.	PERSON
gujaf-387	179	4	a. t.	PERSON
gujaf-387	179	5	c. c.	PERSON
gujaf-387	179	6	o. b.	PERSON
gujaf-387	179	7	c. c.	PERSON
gujaf-387	179	8	2025	DATE
gujaf-387	181	1	18(02	CARDINAL
gujaf-387	181	2	434–449	CARDINAL
gujaf-387	181	3	adegbie	ORG
gujaf-387	181	4	f. f., & otitolaiye	PERSON
gujaf-387	181	5	e. d.	PERSON
gujaf-387	181	6	2020	DATE
gujaf-387	182	1	nigeria	GPE
gujaf-387	183	1	european journal of accounting	ORG
gujaf-387	183	2	8(2	CARDINAL
gujaf-387	183	3	38	CARDINAL
gujaf-387	184	1	m. o.	PERSON
gujaf-387	184	2	s. o., & ogunsanwo	ORG
gujaf-387	184	3	o. f.	PERSON
gujaf-387	184	4	2023	CARDINAL
gujaf-387	185	1	nigeria	GPE
gujaf-387	186	1	nigerian journal of banking	ORG
gujaf-387	186	2	9(1	CARDINAL
gujaf-387	186	3	9-19	CARDINAL
gujaf-387	187	1	gusau journal of accounting	ORG
gujaf-387	187	2	vol.6	NORP
gujaf-387	187	3	1, april,	DATE
gujaf-387	187	4	2025	CARDINAL
gujaf-387	187	5	331 aldayel	QUANTITY
gujaf-387	187	6	2018	DATE
gujaf-387	189	1	169	CARDINAL
gujaf-387	190	1	antony	PERSON
gujaf-387	190	2	j., & g	ORG
gujaf-387	190	3	r.	PERSON
gujaf-387	190	4	2023	CARDINAL
gujaf-387	191	1	nigerian	NORP
gujaf-387	192	1	10(1	CARDINAL
gujaf-387	192	2	1-15	CARDINAL
gujaf-387	193	1	atakelt, h. a., & veni	ORG
gujaf-387	193	2	2018	DATE
gujaf-387	194	1	ethiopian	NORP
gujaf-387	195	1	international bank sc	ORG
gujaf-387	196	1	basel committee	ORG
gujaf-387	197	1	2000	DATE
gujaf-387	200	1	basel committee	ORG
gujaf-387	201	1	2010	DATE
gujaf-387	202	1	basel iii	PERSON
gujaf-387	204	1	basel committee	ORG
gujaf-387	205	1	2019	DATE
gujaf-387	208	1	berger	PERSON
gujaf-387	208	2	a. n., & udell	PERSON
gujaf-387	208	3	g. f. (	PERSON
gujaf-387	208	4	1990	DATE
gujaf-387	210	1	journal of monetary economics	ORG
gujaf-387	210	2	21	CARDINAL
gujaf-387	211	1	kenya	GPE
gujaf-387	212	1	2015	CARDINAL
gujaf-387	213	1	imperial bank	ORG
gujaf-387	214	1	kenya	GPE
gujaf-387	215	1	central bank of nigeria	ORG
gujaf-387	216	1	2019	DATE
gujaf-387	217	1	nigeria	GPE
gujaf-387	218	1	central bank of nigeria	ORG
gujaf-387	219	1	central bank of nigeria	ORG
gujaf-387	220	1	2022	CARDINAL
gujaf-387	221	1	nigeria	GPE
gujaf-387	222	1	central bank of nigeria	ORG
gujaf-387	223	1	cummins	PERSON
gujaf-387	223	2	j. d., & lewis	PERSON
gujaf-387	223	3	c. m.	PERSON
gujaf-387	223	4	2003	DATE
gujaf-387	225	1	12(4	CARDINAL
gujaf-387	225	2	15	CARDINAL
gujaf-387	226	1	d. w.	PERSON
gujaf-387	226	2	p. h.	ORG
gujaf-387	227	1	1983	DATE
gujaf-387	229	1	401	CARDINAL
gujaf-387	230	1	j. o., & ujuju	ORG
gujaf-387	230	2	l. e.	PERSON
gujaf-387	230	3	2020	DATE
gujaf-387	232	1	international journal of social science	ORG
gujaf-387	232	2	5(5	CARDINAL
gujaf-387	232	3	1223-1252	DATE
gujaf-387	234	1	2012	DATE
gujaf-387	237	1	f. m.	PERSON
gujaf-387	237	2	2021	CARDINAL
gujaf-387	238	1	8(1	CARDINAL
gujaf-387	238	2	1-15	CARDINAL
gujaf-387	239	1	hable	PERSON
gujaf-387	239	2	2018	DATE
gujaf-387	240	1	united bank	ORG
gujaf-387	240	2	s.c.	GPE
gujaf-387	241	1	st	PERSON
gujaf-387	241	2	mary's university	ORG
gujaf-387	242	1	hannan	GPE
gujaf-387	242	2	t. h., & hanweck	ORG
gujaf-387	242	3	g. a.	PERSON
gujaf-387	242	4	1988	DATE
gujaf-387	244	1	20(2	CARDINAL
gujaf-387	244	2	203	CARDINAL
gujaf-387	245	1	hempel	ORG
gujaf-387	245	2	g. h., & simonson	ORG
gujaf-387	245	3	d. g.	PERSON
gujaf-387	245	4	2008	DATE
gujaf-387	247	1	john wiley & sons	ORG
gujaf-387	248	1	gusau journal of accounting	ORG
gujaf-387	248	2	vol.6	NORP
gujaf-387	248	3	1, april,	DATE
gujaf-387	248	4	2025	CARDINAL
gujaf-387	248	5	332	CARDINAL
gujaf-387	248	6	jima university	ORG
gujaf-387	249	1	pasha, s., & mintesinot	ORG
gujaf-387	249	2	2018	DATE
gujaf-387	250	1	ethiopian	NORP
gujaf-387	251	1	10(2	DATE
gujaf-387	251	2	1-15	CARDINAL
gujaf-387	252	1	c. p.	PERSON
gujaf-387	252	2	1978	DATE
gujaf-387	255	1	legesse	GPE
gujaf-387	255	2	b. m.	PERSON
gujaf-387	255	3	2018	DATE
gujaf-387	256	1	ethiopian	NORP
gujaf-387	256	2	st	PERSON
gujaf-387	256	3	mary's university	ORG
gujaf-387	257	1	menberu	PERSON
gujaf-387	257	2	f.	PERSON
gujaf-387	257	3	2021	CARDINAL
gujaf-387	258	1	awash bank s. co.	ORG
gujaf-387	258	2	st	PERSON
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gujaf-387	259	1	minsky	PERSON
gujaf-387	259	2	h. p.	PERSON
gujaf-387	259	3	1986	DATE
gujaf-387	261	1	yale university press	ORG
gujaf-387	262	1	pasha, s., & mintesinot	ORG
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gujaf-387	263	1	ethiopian	NORP
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gujaf-387	265	2	2018	DATE
gujaf-387	266	1	dashen bank	ORG
gujaf-387	266	2	debre birhan university	ORG
gujaf-387	267	1	shmendi	PERSON
gujaf-387	267	2	a.	PERSON
gujaf-387	267	3	2019	DATE
gujaf-387	268	1	cbe	PERSON
gujaf-387	268	2	addis ababa university	ORG
gujaf-387	269	1	s. s. a.	PERSON
gujaf-387	269	2	k. r.	PERSON
gujaf-387	269	3	2018	DATE
gujaf-387	270	1	national bank of commerce	ORG
gujaf-387	270	2	addis ababa university	ORG
gujaf-387	271	1	d.	PERSON
gujaf-387	271	2	2019	DATE
gujaf-387	272	1	cbe	PERSON
gujaf-387	272	2	st	PERSON
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gujaf-387	273	1	z.	PERSON
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gujaf-387	277	1	ethiopian	NORP
gujaf-387	277	2	st	PERSON
gujaf-387	277	3	mary's university	ORG
gujaf-387	278	1	tesfaye	ORG
gujaf-387	278	2	t.	PERSON
gujaf-387	278	3	2019	CARDINAL
gujaf-387	279	1	united bank	ORG
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gujaf-387	280	1	addis ababa university	ORG
gujaf-387	281	1	2018	DATE
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gujaf-387	288	2	s.c. journal of finance	ORG
gujaf-387	288	3	9(1	CARDINAL
gujaf-387	288	4	1-15	CARDINAL
gujaf-387	289	1	yeh	PERSON
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gujaf-387	291	1	journal of business research	ORG
gujaf-387	291	2	139	CARDINAL
gujaf-387	291	3	545	CARDINAL
gujaf-387	292	1	a.	PERSON
gujaf-387	292	2	2019	DATE
gujaf-387	293	1	st	PERSON
gujaf-387	293	2	mary's university	ORG