id	sid	eid	entity	type
gujaf-389	1	1	microsoft	ORG
gujaf-389	1	2	hassan	PERSON
gujaf-389	1	3	6 1	CARDINAL
gujaf-389	1	4	vol.6	NORP
gujaf-389	1	5	1, april,	DATE
gujaf-389	1	6	345	CARDINAL
gujaf-389	1	7	nigeria	GPE
gujaf-389	1	8	agbeyinka yinka	PERSON
gujaf-389	1	9	ibrahim department of accounting science	ORG
gujaf-389	1	10	walter sisulu university mthatha	PERSON
gujaf-389	1	11	south africa	GPE
gujaf-389	2	1	nigeria	GPE
gujaf-389	3	1	3,421	CARDINAL
gujaf-389	10	1	nigeria jel	ORG
gujaf-389	10	2	m13	GPE
gujaf-389	10	3	1.0	CARDINAL
gujaf-389	10	4	africa	LOC
gujaf-389	11	1	nigeria	GPE
gujaf-389	11	2	2021	CARDINAL
gujaf-389	12	1	2023	CARDINAL
gujaf-389	13	1	oseifuah & gyekye	ORG
gujaf-389	13	2	2022	CARDINAL
gujaf-389	14	1	gusau journal of accounting	ORG
gujaf-389	14	2	vol.6	NORP
gujaf-389	14	3	1, april	DATE
gujaf-389	14	4	2025	CARDINAL
gujaf-389	14	5	346	CARDINAL
gujaf-389	14	6	oecd	ORG
gujaf-389	14	7	2022	CARDINAL
gujaf-389	16	1	yusuf et al.	PERSON
gujaf-389	16	2	2024	DATE
gujaf-389	18	1	nigeria	GPE
gujaf-389	19	1	2021	CARDINAL
gujaf-389	20	1	2023	CARDINAL
gujaf-389	22	1	nigeria	GPE
gujaf-389	24	1	kenny	PERSON
gujaf-389	28	1	united nations	ORG
gujaf-389	28	2	2020	DATE
gujaf-389	31	1	nigeria	GPE
gujaf-389	31	2	philip	PERSON
gujaf-389	31	3	2025	DATE
gujaf-389	32	1	baiyegunhi	ORG
gujaf-389	32	2	2021	CARDINAL
gujaf-389	32	3	nigerian	NORP
gujaf-389	33	1	gusau journal of accounting	ORG
gujaf-389	33	2	vol.6	NORP
gujaf-389	33	3	1, april,	DATE
gujaf-389	33	4	nigeria	GPE
gujaf-389	33	5	ghana	GPE
gujaf-389	33	6	al.	PERSON
gujaf-389	33	7	2023	CARDINAL
gujaf-389	33	8	cameroon	GPE
gujaf-389	33	9	amrina & yusof	ORG
gujaf-389	33	10	2022	CARDINAL
gujaf-389	33	11	malawi	GPE
gujaf-389	33	12	malanga & banda	ORG
gujaf-389	33	13	2021	CARDINAL
gujaf-389	36	1	fabian & ibrahim	ORG
gujaf-389	36	2	2022	DATE
gujaf-389	37	1	africa	LOC
gujaf-389	38	1	ethiopia	GPE
gujaf-389	38	2	2022	CARDINAL
gujaf-389	38	3	tesfaye	ORG
gujaf-389	38	4	2021	CARDINAL
gujaf-389	39	1	choudhary & jain	ORG
gujaf-389	39	2	2023	CARDINAL
gujaf-389	39	3	2022	CARDINAL
gujaf-389	41	1	africa	LOC
gujaf-389	42	1	south africa	GPE
gujaf-389	42	2	karlan et al	ORG
gujaf-389	43	1	2016	DATE
gujaf-389	44	1	2022	CARDINAL
gujaf-389	44	2	oseifuah & gyekye	ORG
gujaf-389	44	3	2022	CARDINAL
gujaf-389	45	1	nigerian	NORP
gujaf-389	45	2	2021	CARDINAL
gujaf-389	46	1	nigeria	GPE
gujaf-389	46	2	africa	LOC
gujaf-389	48	1	2021	CARDINAL
gujaf-389	48	2	olomola	GPE
gujaf-389	48	3	2020	DATE
gujaf-389	49	1	nigeria	GPE
gujaf-389	50	1	vol.6	NORP
gujaf-389	50	2	1, april	DATE
gujaf-389	50	3	2025	CARDINAL
gujaf-389	50	4	348	CARDINAL
gujaf-389	51	1	2022	CARDINAL
gujaf-389	53	1	africa	LOC
gujaf-389	53	2	asiama & osei	ORG
gujaf-389	53	3	2021	CARDINAL
gujaf-389	53	4	2022	CARDINAL
gujaf-389	56	1	lusardi & mitchell	ORG
gujaf-389	56	2	2020	DATE
gujaf-389	58	1	2023	CARDINAL
gujaf-389	58	2	al.	GPE
gujaf-389	58	3	2020	DATE
gujaf-389	59	1	nigeria	GPE
gujaf-389	59	2	2021	CARDINAL
gujaf-389	60	1	rahman et al	PERSON
gujaf-389	61	1	2023	CARDINAL
gujaf-389	61	2	owusu et al	PERSON
gujaf-389	62	1	2022	CARDINAL
gujaf-389	62	2	five-year	DATE
gujaf-389	65	1	bongomin et al.	PERSON
gujaf-389	65	2	2020	DATE
gujaf-389	65	3	2021	CARDINAL
gujaf-389	68	1	africa	LOC
gujaf-389	68	2	south asia	LOC
gujaf-389	68	3	2022	CARDINAL
gujaf-389	68	4	2023	CARDINAL
gujaf-389	69	1	nigeria	GPE
gujaf-389	69	2	vol.6	NORP
gujaf-389	69	3	1, april,	DATE
gujaf-389	69	4	2025	CARDINAL
gujaf-389	69	5	349	CARDINAL
gujaf-389	69	6	adebayo & ayodele	ORG
gujaf-389	69	7	2020	DATE
gujaf-389	72	1	3.0	CARDINAL
gujaf-389	72	2	nigeria	GPE
gujaf-389	73	1	600	CARDINAL
gujaf-389	73	2	six	CARDINAL
gujaf-389	73	3	nigeria	GPE
gujaf-389	76	1	0.80	CARDINAL
gujaf-389	77	1	30	CARDINAL
gujaf-389	79	1	between march and july 2024	DATE
gujaf-389	80	1	three	CARDINAL
gujaf-389	80	2	kenny	PERSON
gujaf-389	80	3	1986	DATE
gujaf-389	80	4	imai et al.	ORG
gujaf-389	80	5	2010	DATE
gujaf-389	80	6	zhao et al.	PERSON
gujaf-389	80	7	2010	DATE
gujaf-389	81	1	first	ORDINAL
gujaf-389	81	2	𝐵𝑆	ORG
gujaf-389	81	3	𝐵𝑆	ORG
gujaf-389	82	1	second	ORDINAL
gujaf-389	82	2	𝐹𝐿	ORG
gujaf-389	82	3	𝐹𝐿	ORG
gujaf-389	82	4	2) third	DATE
gujaf-389	83	1	𝐵𝑆	ORG
gujaf-389	84	1	3	CARDINAL
gujaf-389	84	2	𝐵𝑆	ORG
gujaf-389	84	3	𝑀𝐹	PERSON
gujaf-389	84	4	𝐹𝐿	ORG
gujaf-389	85	1	𝐵𝑆	ORG
gujaf-389	85	2	4	CARDINAL
gujaf-389	85	3	vol.6	NORP
gujaf-389	85	4	1, april,	DATE
gujaf-389	85	5	2025 350	CARDINAL
gujaf-389	87	1	1	CARDINAL
gujaf-389	87	2	0-100	CARDINAL
gujaf-389	87	3	010	CARDINAL
gujaf-389	87	4	oecd	ORG
gujaf-389	87	5	2022	CARDINAL
gujaf-389	87	6	years	DATE
gujaf-389	87	7	1	CARDINAL
gujaf-389	87	8	2	CARDINAL
gujaf-389	87	9	1	CARDINAL
gujaf-389	88	1	2025	CARDINAL
gujaf-389	88	2	1	CARDINAL
gujaf-389	88	3	4	CARDINAL
gujaf-389	89	1	imai et al	ORG
gujaf-389	90	1	2010	DATE
gujaf-389	90	2	5,000	CARDINAL
gujaf-389	91	1	4	CARDINAL
gujaf-389	92	1	ols	ORG
gujaf-389	92	2	the durbin-wu-hausman	ORG
gujaf-389	95	1	4.0	CARDINAL
gujaf-389	95	2	2	CARDINAL
gujaf-389	95	3	76.785	CARDINAL
gujaf-389	96	1	6.099	CARDINAL
gujaf-389	96	2	57.795	CARDINAL
gujaf-389	96	3	98.930	CARDINAL
gujaf-389	97	1	0.497	CARDINAL
gujaf-389	99	1	5.822	CARDINAL
gujaf-389	99	2	10	CARDINAL
gujaf-389	99	3	adebayo et al	PERSON
gujaf-389	100	1	2022	CARDINAL
gujaf-389	100	2	osei-assibey	PERSON
gujaf-389	100	3	2023	CARDINAL
gujaf-389	100	4	africa	LOC
gujaf-389	101	1	gusau journal of accounting	ORG
gujaf-389	101	2	vol.6	NORP
gujaf-389	101	3	1, april,	DATE
gujaf-389	101	4	2025	CARDINAL
gujaf-389	101	5	351	CARDINAL
gujaf-389	101	6	3	CARDINAL
gujaf-389	102	1	0.310	CARDINAL
gujaf-389	102	2	0.470	CARDINAL
gujaf-389	103	1	fl	ORG
gujaf-389	103	2	0.077	CARDINAL
gujaf-389	103	3	2020	DATE
gujaf-389	105	1	4	CARDINAL
gujaf-389	106	1	1.874	CARDINAL
gujaf-389	107	1	the durbin-wu-hausman	ORG
gujaf-389	109	1	2021	CARDINAL
gujaf-389	110	1	5	CARDINAL
gujaf-389	110	2	first	ORDINAL
gujaf-389	110	3	two	CARDINAL
gujaf-389	111	1	1	CARDINAL
gujaf-389	112	1	saad	PERSON
gujaf-389	112	2	2021	CARDINAL
gujaf-389	112	3	atieno	PERSON
gujaf-389	112	4	2022	CARDINAL
gujaf-389	113	1	2	CARDINAL
gujaf-389	114	1	3	CARDINAL
gujaf-389	115	1	fl	ORG
gujaf-389	115	2	0.247	CARDINAL
gujaf-389	117	1	2020	DATE
gujaf-389	118	1	fl	ORG
gujaf-389	119	1	6	CARDINAL
gujaf-389	123	1	2023	CARDINAL
gujaf-389	125	1	7	CARDINAL
gujaf-389	125	2	95%	PERCENT
gujaf-389	127	1	vol.6	NORP
gujaf-389	127	2	1, april	DATE
gujaf-389	127	3	352	PRODUCT
gujaf-389	128	1	the world bank	ORG
gujaf-389	128	2	2023	CARDINAL
gujaf-389	128	3	2021	CARDINAL
gujaf-389	129	1	8)	CARDINAL
gujaf-389	130	1	0.041	CARDINAL
gujaf-389	130	2	0.981	CARDINAL
gujaf-389	130	3	0.965	CARDINAL
gujaf-389	131	1	1.326	CARDINAL
gujaf-389	134	1	1	CARDINAL
gujaf-389	135	1	2	CARDINAL
gujaf-389	135	2	95%	PERCENT
gujaf-389	136	1	3	CARDINAL
gujaf-389	137	1	4	CARDINAL
gujaf-389	137	2	cfi	PERSON
gujaf-389	138	1	2	CARDINAL
gujaf-389	140	1	25%	PERCENT
gujaf-389	140	2	50%	PERCENT
gujaf-389	140	3	75%	PERCENT
gujaf-389	140	4	max bs	PERSON
gujaf-389	140	5	6.099 57.795 72.833	MONEY
gujaf-389	140	6	0.497 0.500 0.000 0.000 0.000 1.000 1.000	QUANTITY
gujaf-389	140	7	5.822	CARDINAL
gujaf-389	140	8	4.804 5.836 6.814	MONEY
gujaf-389	140	9	10.218	MONEY
gujaf-389	140	10	10.167 5.760 1.000 5.000	MONEY
gujaf-389	140	11	1.473	CARDINAL
gujaf-389	140	12	2025	CARDINAL
gujaf-389	141	1	3	CARDINAL
gujaf-389	141	2	1.000	CARDINAL
gujaf-389	141	3	0.077	MONEY
gujaf-389	141	4	0.310 1.000 0.077	MONEY
gujaf-389	141	5	0.010 fl	MONEY
gujaf-389	141	6	0.470 0.077 1.000	MONEY
gujaf-389	141	7	0.035	CARDINAL
gujaf-389	141	8	1.000	CARDINAL
gujaf-389	141	9	0.168	CARDINAL
gujaf-389	142	1	0.035	CARDINAL
gujaf-389	142	2	1.000 0.004	CARDINAL
gujaf-389	142	3	0.004 1.000	CARDINAL
gujaf-389	142	4	2025	CARDINAL
gujaf-389	142	5	4	CARDINAL
gujaf-389	142	6	1.874	CARDINAL
gujaf-389	142	7	2.981	CARDINAL
gujaf-389	142	8	durbin-wu-hausman	PERSON
gujaf-389	142	9	1.426 0.232	CARDINAL
gujaf-389	142	10	0.802	CARDINAL
gujaf-389	142	11	gusau journal of accounting	ORG
gujaf-389	142	12	vol.6	NORP
gujaf-389	142	13	1, april,	DATE
gujaf-389	142	14	353	CARDINAL
gujaf-389	142	15	2025	CARDINAL
gujaf-389	142	16	5	CARDINAL
gujaf-389	142	17	1	CARDINAL
gujaf-389	142	18	71.028	CARDINAL
gujaf-389	142	19	5.326 0.691 7.707	MONEY
gujaf-389	142	20	0.096	CARDINAL
gujaf-389	142	21	2	CARDINAL
gujaf-389	142	22	5.564 0.177 31.422 0.000	MONEY
gujaf-389	142	23	0.517	CARDINAL
gujaf-389	142	24	0.038	CARDINAL
gujaf-389	142	25	3	CARDINAL
gujaf-389	142	26	68.219 1.110 61.453 0.000	MONEY
gujaf-389	142	27	2.879	CARDINAL
gujaf-389	142	28	0.718 4.010 0.000 fl	QUANTITY
gujaf-389	142	29	2.537 0.312 8.130	MONEY
gujaf-389	142	30	0.247	CARDINAL
gujaf-389	142	31	2025	CARDINAL
gujaf-389	143	1	6	CARDINAL
gujaf-389	143	2	4	CARDINAL
gujaf-389	143	3	64.015	CARDINAL
gujaf-389	143	4	1.792 35.726 0.000	MONEY
gujaf-389	143	5	2.126	CARDINAL
gujaf-389	143	6	3.265 0.001	QUANTITY
gujaf-389	143	7	2.289	CARDINAL
gujaf-389	143	8	7.529	MONEY
gujaf-389	143	9	0.005	CARDINAL
gujaf-389	143	10	1.135 0.503 2.256 0.024	QUANTITY
gujaf-389	143	11	loc	ORG
gujaf-389	143	12	0.047	CARDINAL
gujaf-389	143	13	0.288	CARDINAL
gujaf-389	143	14	2025	CARDINAL
gujaf-389	143	15	7	CARDINAL
gujaf-389	143	16	95%	PERCENT
gujaf-389	143	17	95%	PERCENT
gujaf-389	144	1	5.326 0.691	CARDINAL
gujaf-389	144	2	fl	ORG
gujaf-389	144	3	1.447	CARDINAL
gujaf-389	144	4	1.062 1.877 0.000	MONEY
gujaf-389	144	5	2.879	CARDINAL
gujaf-389	144	6	0.718 1.472	MONEY
gujaf-389	144	7	4.669	CARDINAL
gujaf-389	144	8	2025	CARDINAL
gujaf-389	144	9	8	CARDINAL
gujaf-389	144	10	0.041	CARDINAL
gujaf-389	144	11	vol.6	NORP
gujaf-389	144	12	1, april	DATE
gujaf-389	144	13	2025	CARDINAL
gujaf-389	144	14	354	PRODUCT
gujaf-389	144	15	0.981	CARDINAL
gujaf-389	144	16	0.965	CARDINAL
gujaf-389	144	17	1.326	CARDINAL
gujaf-389	144	18	1.189	CARDINAL
gujaf-389	144	19	2025	CARDINAL
gujaf-389	145	1	1	CARDINAL
gujaf-389	146	1	5	CARDINAL
gujaf-389	146	2	1	CARDINAL
gujaf-389	146	3	5.326	CARDINAL
gujaf-389	149	1	kyalo & atieno	ORG
gujaf-389	149	2	2022	CARDINAL
gujaf-389	149	3	adebayo et al.	PERSON
gujaf-389	149	4	2022	CARDINAL
gujaf-389	150	1	2021	DATE
gujaf-389	151	1	gusau journal of accounting	ORG
gujaf-389	151	2	vol.6	NORP
gujaf-389	151	3	1, april	DATE
gujaf-389	151	4	2025	CARDINAL
gujaf-389	151	5	355	CARDINAL
gujaf-389	151	6	2	CARDINAL
gujaf-389	152	1	5	CARDINAL
gujaf-389	152	2	3	CARDINAL
gujaf-389	152	3	6	CARDINAL
gujaf-389	154	1	lusardi & mitchell	ORG
gujaf-389	154	2	2020	DATE
gujaf-389	155	1	2020	DATE
gujaf-389	155	2	osei-assibey	PERSON
gujaf-389	155	3	2023	CARDINAL
gujaf-389	156	1	third	ORDINAL
gujaf-389	157	1	3	CARDINAL
gujaf-389	157	2	fl	ORG
gujaf-389	158	1	7	CARDINAL
gujaf-389	158	2	1.447	CARDINAL
gujaf-389	158	3	4.669	CARDINAL
gujaf-389	159	1	the world bank	ORG
gujaf-389	159	2	2023	CARDINAL
gujaf-389	162	1	saad & anis	ORG
gujaf-389	162	2	2021	CARDINAL
gujaf-389	162	3	2023	CARDINAL
gujaf-389	168	1	adebayo et al	PERSON
gujaf-389	169	1	2022	CARDINAL
gujaf-389	169	2	osei-assibey	PERSON
gujaf-389	169	3	2023	CARDINAL
gujaf-389	172	1	nigeria	GPE
gujaf-389	172	2	2020	DATE
gujaf-389	172	3	osei-assibey	PERSON
gujaf-389	172	4	2023	CARDINAL
gujaf-389	173	1	vol.6	NORP
gujaf-389	173	2	1, april,	DATE
gujaf-389	173	3	2025 356	CARDINAL
gujaf-389	176	1	east africa	GPE
gujaf-389	176	2	kyalo & atieno	ORG
gujaf-389	176	3	2022	CARDINAL
gujaf-389	177	1	2020	DATE
gujaf-389	181	1	nigeria	GPE
gujaf-389	181	2	2023	CARDINAL
gujaf-389	186	1	digital financial inclusion	ORG
gujaf-389	186	2	2023	CARDINAL
gujaf-389	189	1	saad & anis	ORG
gujaf-389	189	2	2021	DATE
gujaf-389	194	1	women gusau journal of accounting	ORG
gujaf-389	194	2	vol.6	NORP
gujaf-389	194	3	1, april	DATE
gujaf-389	194	4	2025	CARDINAL
gujaf-389	194	5	357	CARDINAL
gujaf-389	195	1	adebayo et al.	PERSON
gujaf-389	195	2	2022	CARDINAL
gujaf-389	196	1	5.0	CARDINAL
gujaf-389	196	2	nigeria	GPE
gujaf-389	199	1	2020	DATE
gujaf-389	199	2	lusardi & mitchell	ORG
gujaf-389	199	3	2020	DATE
gujaf-389	201	1	2023	CARDINAL
gujaf-389	203	1	first	ORDINAL
gujaf-389	204	1	second	ORDINAL
gujaf-389	204	2	peri-urban nigeria	ORG
gujaf-389	205	1	third	ORDINAL
gujaf-389	212	1	adebayo et al.	PERSON
gujaf-389	212	2	2022	CARDINAL
gujaf-389	213	1	africa	LOC
gujaf-389	214	1	gusau journal of accounting	ORG
gujaf-389	214	2	vol.6	NORP
gujaf-389	214	3	1, april,	DATE
gujaf-389	214	4	2025	CARDINAL
gujaf-389	214	5	358	PRODUCT
gujaf-389	216	1	adebayo	PERSON
gujaf-389	216	2	a. m.	PERSON
gujaf-389	216	3	o. j.	PERSON
gujaf-389	216	4	2020	DATE
gujaf-389	217	1	nigeria	GPE
gujaf-389	218	1	journal of small business	ORG
gujaf-389	218	2	27(4	CARDINAL
gujaf-389	218	3	593–611	CARDINAL
gujaf-389	219	1	adebayo	PERSON
gujaf-389	219	2	r. i.	PERSON
gujaf-389	219	3	ibrahim	PERSON
gujaf-389	219	4	o. i.	PERSON
gujaf-389	219	5	sulaimon	GPE
gujaf-389	219	6	t. a.	GPE
gujaf-389	219	7	2022	CARDINAL
gujaf-389	220	1	nigeria	GPE
gujaf-389	221	1	international journal of financial research	ORG
gujaf-389	221	2	13(1	CARDINAL
gujaf-389	221	3	a. o.	PERSON
gujaf-389	221	4	t. e., & balogun	ORG
gujaf-389	221	5	o. j.	PERSON
gujaf-389	221	6	2023	CARDINAL
gujaf-389	222	1	nigeria	GPE
gujaf-389	223	1	journal of african business	ORG
gujaf-389	223	2	24(1	CARDINAL
gujaf-389	223	3	134–152	CARDINAL
gujaf-389	224	1	afolabi, a.	PERSON
gujaf-389	224	2	2023	CARDINAL
gujaf-389	225	1	west africa	GPE
gujaf-389	226	1	small business economics	ORG
gujaf-389	226	2	61(4	CARDINAL
gujaf-389	226	3	923–946	CARDINAL
gujaf-389	226	4	g. a.	PERSON
gujaf-389	226	5	m.	PERSON
gujaf-389	226	6	n.	ORG
gujaf-389	226	7	andriana	GPE
gujaf-389	226	8	d.	NORP
gujaf-389	226	9	2023	CARDINAL
gujaf-389	227	1	ghana	GPE
gujaf-389	228	1	jurnal riset manajemen	ORG
gujaf-389	228	2	1–18	CARDINAL
gujaf-389	228	3	g. k.	PERSON
gujaf-389	228	4	yamoah	PERSON
gujaf-389	228	5	f., & simpeh	ORG
gujaf-389	228	6	k. n.	PERSON
gujaf-389	228	7	2022	CARDINAL
gujaf-389	230	1	29(2	CARDINAL
gujaf-389	230	2	210–227	CARDINAL
gujaf-389	231	1	asiama	GPE
gujaf-389	231	2	j. p.,	PERSON
gujaf-389	231	3	2021	CARDINAL
gujaf-389	232	1	ghana	GPE
gujaf-389	233	1	23	CARDINAL
gujaf-389	233	2	100353	DATE
gujaf-389	234	1	asiedu	PERSON
gujaf-389	234	2	e., freeman	ORG
gujaf-389	234	3	r. b.	PERSON
gujaf-389	234	4	a.	PERSON
gujaf-389	234	5	2021	CARDINAL
gujaf-389	235	1	ghana	GPE
gujaf-389	236	1	small business economics	ORG
gujaf-389	236	2	57(4	DATE
gujaf-389	236	3	1787–1807	CARDINAL
gujaf-389	237	1	baiyegunhi	ORG
gujaf-389	237	2	l. j. s.	PERSON
gujaf-389	237	3	2021	CARDINAL
gujaf-389	238	1	nigeria	GPE
gujaf-389	239	1	international journal of social economics	ORG
gujaf-389	239	2	48(5	CARDINAL
gujaf-389	240	1	r. m.	PERSON
gujaf-389	240	2	d. a.	PERSON
gujaf-389	240	3	1986	DATE
gujaf-389	242	1	51(6	CARDINAL
gujaf-389	242	2	1173–1182	CARDINAL
gujaf-389	243	1	bongomin	PERSON
gujaf-389	243	2	g. o. c.	PERSON
gujaf-389	243	3	j. m.	PERSON
gujaf-389	243	4	munene	PERSON
gujaf-389	243	5	j. c.	PERSON
gujaf-389	243	6	c. a.	PERSON
gujaf-389	243	7	2020	DATE
gujaf-389	244	1	uganda	GPE
gujaf-389	245	1	international journal of social economics	ORG
gujaf-389	245	2	396–409	CARDINAL
gujaf-389	246	1	z.	PERSON
gujaf-389	246	2	kangoye	PERSON
gujaf-389	246	3	t., &	ORG
gujaf-389	246	4	m.	PERSON
gujaf-389	246	5	2020	DATE
gujaf-389	247	1	africa	LOC
gujaf-389	248	1	55	DATE
gujaf-389	248	2	177–189	CARDINAL
gujaf-389	249	1	s.	PERSON
gujaf-389	249	2	2021	CARDINAL
gujaf-389	250	1	subsaharan africa	GPE
gujaf-389	252	1	choudhary, h., & jain	ORG
gujaf-389	252	2	2023	CARDINAL
gujaf-389	254	1	15(1	CARDINAL
gujaf-389	255	1	dini	PERSON
gujaf-389	255	2	r.	NORP
gujaf-389	255	3	2023	CARDINAL
gujaf-389	257	1	asian	NORP
gujaf-389	257	2	13(2	CARDINAL
gujaf-389	257	3	176–189	GPE
gujaf-389	257	4	fabian	NORP
gujaf-389	257	5	a. a.	PERSON
gujaf-389	257	6	i. o.	PERSON
gujaf-389	257	7	2022	CARDINAL
gujaf-389	258	1	benue state	GPE
gujaf-389	258	2	nigeria	GPE
gujaf-389	259	1	asian journal of economics	ORG
gujaf-389	259	2	22(5	CARDINAL
gujaf-389	259	3	69–80	CARDINAL
gujaf-389	260	1	gusau journal of accounting	ORG
gujaf-389	260	2	vol.6	NORP
gujaf-389	260	3	1, april,	DATE
gujaf-389	260	4	2025 359	QUANTITY
gujaf-389	260	5	j. f.	PERSON
gujaf-389	260	6	hult	PERSON
gujaf-389	260	7	g. t. m.	PERSON
gujaf-389	260	8	ringle	ORG
gujaf-389	260	9	c. m.	PERSON
gujaf-389	260	10	m.	PERSON
gujaf-389	260	11	2021	CARDINAL
gujaf-389	261	1	pls	NORP
gujaf-389	261	2	3rd	ORDINAL
gujaf-389	263	1	imai	ORG
gujaf-389	263	2	k., keele, l., & tingley	ORG
gujaf-389	263	3	d.	GPE
gujaf-389	263	4	2010	DATE
gujaf-389	265	1	309–34	CARDINAL
gujaf-389	266	1	karimu	PERSON
gujaf-389	266	2	a.	PERSON
gujaf-389	266	3	amoah, a., & akomea-frimpong	PERSON
gujaf-389	266	4	i.	PERSON
gujaf-389	266	5	2022	CARDINAL
gujaf-389	268	1	27(4	CARDINAL
gujaf-389	268	2	2250026	DATE
gujaf-389	269	1	karlan	ORG
gujaf-389	269	2	d.	NORP
gujaf-389	269	3	osman, a., & zinman	ORG
gujaf-389	269	4	j. (	ORG
gujaf-389	269	5	2016	DATE
gujaf-389	270	1	south africa	GPE
gujaf-389	271	1	american economic journal:	ORG
gujaf-389	271	2	8(3	DATE
gujaf-389	271	3	192–214	CARDINAL
gujaf-389	272	1	kipesha	ORG
gujaf-389	272	2	e. f.	PERSON
gujaf-389	272	3	2022	CARDINAL
gujaf-389	274	1	african	NORP
gujaf-389	274	2	1–22	CARDINAL
gujaf-389	275	1	kyalo	PERSON
gujaf-389	275	2	d., & atieno	ORG
gujaf-389	275	3	r.	PERSON
gujaf-389	275	4	2022	CARDINAL
gujaf-389	276	1	kenya	GPE
gujaf-389	277	1	27(2	CARDINAL
gujaf-389	277	2	2250012	DATE
gujaf-389	278	1	lusardi	PERSON
gujaf-389	278	2	a., & mitchell	ORG
gujaf-389	278	3	o. s.	PERSON
gujaf-389	278	4	2020	DATE
gujaf-389	280	1	58(1	CARDINAL
gujaf-389	280	2	5–44	CARDINAL
gujaf-389	280	3	malanga	PERSON
gujaf-389	280	4	d. f., & banda	ORG
gujaf-389	280	5	m.	PERSON
gujaf-389	280	6	2021	CARDINAL
gujaf-389	281	1	malawi	GPE
gujaf-389	282	1	8(3	DATE
gujaf-389	282	2	1–20	CARDINAL
gujaf-389	282	3	mkpado	PERSON
gujaf-389	282	4	m., & arene	ORG
gujaf-389	282	5	c. j.	PERSON
gujaf-389	282	6	2021	CARDINAL
gujaf-389	283	1	nigeria	GPE
gujaf-389	284	1	journal of african business	ORG
gujaf-389	284	2	22(2	CARDINAL
gujaf-389	284	3	188–207	CARDINAL
gujaf-389	285	1	l.	PERSON
gujaf-389	285	2	o., & oni	ORG
gujaf-389	285	3	2020	DATE
gujaf-389	286	1	south africa	GPE
gujaf-389	287	1	12(16	DATE
gujaf-389	287	2	6520	CARDINAL
gujaf-389	288	1	s., & gitau	ORG
gujaf-389	288	2	r.	PERSON
gujaf-389	288	3	2022	CARDINAL
gujaf-389	289	1	kenya	GPE
gujaf-389	290	1	journal of development policy	ORG
gujaf-389	290	2	7(2	CARDINAL
gujaf-389	290	3	257–276	CARDINAL
gujaf-389	291	1	nwokolo	ORG
gujaf-389	291	2	k. e., & ezeani	PERSON
gujaf-389	291	3	e.	PERSON
gujaf-389	291	4	2021	CARDINAL
gujaf-389	292	1	nigeria	GPE
gujaf-389	293	1	26(4	CARDINAL
gujaf-389	293	2	2150028	DATE
gujaf-389	294	1	oecd	ORG
gujaf-389	295	1	2022	CARDINAL
gujaf-389	296	1	oecd	ORG
gujaf-389	296	2	2022	CARDINAL
gujaf-389	297	1	oecd	ORG
gujaf-389	298	1	oecd	ORG
gujaf-389	299	1	2022	CARDINAL
gujaf-389	300	1	oecd	ORG
gujaf-389	300	2	2022	CARDINAL
gujaf-389	301	1	o., & ogbuabor	ORG
gujaf-389	301	2	j. e.	PERSON
gujaf-389	301	3	2023	CARDINAL
gujaf-389	302	1	africa	LOC
gujaf-389	303	1	30(1	CARDINAL
gujaf-389	303	2	23–45	CARDINAL
gujaf-389	304	1	olomola	GPE
gujaf-389	304	2	a. s.	PERSON
gujaf-389	304	3	2020	DATE
gujaf-389	305	1	nigeria	GPE
gujaf-389	306	1	african journal of economic policy	ORG
gujaf-389	306	2	27(1	CARDINAL
gujaf-389	306	3	1–22	CARDINAL
gujaf-389	307	1	osei-assibey	PERSON
gujaf-389	307	2	2023	CARDINAL
gujaf-389	308	1	ghana	GPE
gujaf-389	309	1	journal of african business	ORG
gujaf-389	309	2	24(1	CARDINAL
gujaf-389	309	3	1–20	CARDINAL
gujaf-389	309	4	oseifuah	PERSON
gujaf-389	309	5	e. k.	PERSON
gujaf-389	309	6	2021	CARDINAL
gujaf-389	310	1	south africa	GPE
gujaf-389	311	1	african journal of economic and management	ORG
gujaf-389	311	2	319–338	CARDINAL
gujaf-389	312	1	oseifuah	PERSON
gujaf-389	312	2	e. k.	PERSON
gujaf-389	312	3	a.	PERSON
gujaf-389	312	4	2022	CARDINAL
gujaf-389	313	1	africa	LOC
gujaf-389	314	1	journal of african business	ORG
gujaf-389	314	2	23(2	CARDINAL
gujaf-389	314	3	205–225	CARDINAL
gujaf-389	315	1	i.	PERSON
gujaf-389	315	2	annan	PERSON
gujaf-389	315	3	j., & obeng	ORG
gujaf-389	315	4	2023	CARDINAL
gujaf-389	316	1	ghana	GPE
gujaf-389	317	1	30(1	CARDINAL
gujaf-389	317	2	76–94	CARDINAL
gujaf-389	318	1	gusau journal of accounting	ORG
gujaf-389	318	2	vol.6	NORP
gujaf-389	318	3	1, april,	DATE
gujaf-389	318	4	2025 360	DATE
gujaf-389	318	5	owusu	GPE
gujaf-389	318	6	h. a.	PERSON
gujaf-389	318	7	a.	PERSON
gujaf-389	318	8	2022	CARDINAL
gujaf-389	319	1	ghana	GPE
gujaf-389	320	1	340–360	CARDINAL
gujaf-389	321	1	philip	PERSON
gujaf-389	321	2	l. n.	PERSON
gujaf-389	321	3	2025	DATE
gujaf-389	322	1	nigeria	GPE
gujaf-389	323	1	5(1	CARDINAL
gujaf-389	323	2	37–48	TIME
gujaf-389	324	1	rahman	PERSON
gujaf-389	324	2	m. m.	PERSON
gujaf-389	324	3	r., & hossain	ORG
gujaf-389	324	4	m. i.	PERSON
gujaf-389	324	5	2023	CARDINAL
gujaf-389	325	1	south asia	LOC
gujaf-389	326	1	33(1	CARDINAL
gujaf-389	326	2	101–117	CARDINAL
gujaf-389	327	1	saad	PERSON
gujaf-389	327	2	n. m.	PERSON
gujaf-389	327	3	z.	PERSON
gujaf-389	327	4	2021	CARDINAL
gujaf-389	328	1	malaysia	GPE
gujaf-389	329	1	asian academy of management journal	ORG
gujaf-389	329	2	26(2	CARDINAL
gujaf-389	329	3	123–147	CARDINAL
gujaf-389	329	4	tesfaye	ORG
gujaf-389	329	5	y. a.	ORG
gujaf-389	329	6	2021	CARDINAL
gujaf-389	330	1	ethiopia	GPE
gujaf-389	331	1	ethiopian journal of economics	ORG
gujaf-389	331	2	65–85	CARDINAL
gujaf-389	332	1	united nations	ORG
gujaf-389	333	1	2020	DATE
gujaf-389	334	1	2020	DATE
gujaf-389	335	1	world bank	ORG
gujaf-389	336	1	2021	CARDINAL
gujaf-389	337	1	nigeria	GPE
gujaf-389	338	1	world bank	ORG
gujaf-389	339	1	2023	CARDINAL
gujaf-389	341	1	yusuf	PERSON
gujaf-389	341	2	a. m.	PERSON
gujaf-389	341	3	f., & adeyemo	ORG
gujaf-389	341	4	2024	CARDINAL
gujaf-389	342	1	nigeria	GPE
gujaf-389	344	1	zhao	PERSON
gujaf-389	344	2	x.	GPE
gujaf-389	344	3	lynch	ORG
gujaf-389	344	4	j. g.	PERSON
gujaf-389	344	5	& chen	PERSON
gujaf-389	344	6	q.	PERSON
gujaf-389	344	7	2010	DATE
gujaf-389	345	1	kenny	PERSON
gujaf-389	346	1	197–206	CARDINAL