id	sid	tid	token	lemma	pos
gujaf-108	1	1	i	i	PRON
gujaf-108	1	2	gusau	gusau	PROPN
gujaf-108	1	3	journal	journal	NOUN
gujaf-108	1	4	of	of	ADP
gujaf-108	1	5	accounting	accounting	NOUN
gujaf-108	1	6	and	and	CCONJ
gujaf-108	1	7	finance	finance	NOUN
gujaf-108	1	8	(	(	PUNCT
gujaf-108	1	9	gujaf	gujaf	NOUN
gujaf-108	1	10	)	)	PUNCT
gujaf-108	1	11	vol	vol	NOUN
gujaf-108	1	12	.	.	NOUN
gujaf-108	1	13	3	3	NUM
gujaf-108	1	14	issue	issue	NOUN
gujaf-108	1	15	1	1	NUM
gujaf-108	1	16	,	,	PUNCT
gujaf-108	1	17	april	april	PROPN
gujaf-108	1	18	,	,	PUNCT
gujaf-108	1	19	2022	2022	NUM
gujaf-108	1	20	issn	issn	NOUN
gujaf-108	1	21	:	:	PUNCT
gujaf-108	1	22	2756	2756	NUM
gujaf-108	1	23	-	-	PUNCT
gujaf-108	1	24	665x	665x	NOUN
gujaf-108	1	25	a	a	DET
gujaf-108	1	26	publication	publication	NOUN
gujaf-108	1	27	of	of	ADP
gujaf-108	1	28	department	department	NOUN
gujaf-108	1	29	of	of	ADP
gujaf-108	1	30	accounting	accounting	NOUN
gujaf-108	1	31	and	and	CCONJ
gujaf-108	1	32	finance	finance	NOUN
gujaf-108	1	33	,	,	PUNCT
gujaf-108	1	34	faculty	faculty	NOUN
gujaf-108	1	35	of	of	ADP
gujaf-108	1	36	management	management	NOUN
gujaf-108	1	37	and	and	CCONJ
gujaf-108	1	38	social	social	ADJ
gujaf-108	1	39	sciences	science	NOUN
gujaf-108	1	40	,	,	PUNCT
gujaf-108	1	41	federal	federal	ADJ
gujaf-108	1	42	university	university	NOUN
gujaf-108	1	43	gusau	gusau	NOUN
gujaf-108	1	44	,	,	PUNCT
gujaf-108	1	45	zamfara	zamfara	PROPN
gujaf-108	1	46	state	state	PROPN
gujaf-108	1	47	-nigeria	-nigeria	PROPN
gujaf-108	1	48	ii	ii	PROPN
gujaf-108	1	49	©	©	PROPN
gujaf-108	1	50	department	department	PROPN
gujaf-108	1	51	of	of	ADP
gujaf-108	1	52	accounting	accounting	NOUN
gujaf-108	1	53	and	and	CCONJ
gujaf-108	1	54	finance	finance	NOUN
gujaf-108	1	55	vol	vol	NOUN
gujaf-108	1	56	.	.	PUNCT
gujaf-108	1	57	3	3	NUM
gujaf-108	1	58	issue	issue	NOUN
gujaf-108	1	59	1	1	NUM
gujaf-108	1	60	april	april	PROPN
gujaf-108	1	61	,	,	PUNCT
gujaf-108	1	62	2022	2022	NUM
gujaf-108	1	63	issn	issn	NOUN
gujaf-108	1	64	:	:	PUNCT
gujaf-108	1	65	2756	2756	NUM
gujaf-108	1	66	-	-	PUNCT
gujaf-108	1	67	665x	665x	NOUN
gujaf-108	1	68	a	a	DET
gujaf-108	1	69	publication	publication	NOUN
gujaf-108	1	70	of	of	ADP
gujaf-108	1	71	department	department	NOUN
gujaf-108	1	72	of	of	ADP
gujaf-108	1	73	accounting	accounting	NOUN
gujaf-108	1	74	and	and	CCONJ
gujaf-108	1	75	finance	finance	NOUN
gujaf-108	1	76	,	,	PUNCT
gujaf-108	1	77	faculty	faculty	NOUN
gujaf-108	1	78	of	of	ADP
gujaf-108	1	79	management	management	NOUN
gujaf-108	1	80	and	and	CCONJ
gujaf-108	1	81	social	social	ADJ
gujaf-108	1	82	sciences	science	NOUN
gujaf-108	1	83	,	,	PUNCT
gujaf-108	1	84	federal	federal	ADJ
gujaf-108	1	85	university	university	NOUN
gujaf-108	1	86	gusau	gusau	NOUN
gujaf-108	1	87	,	,	PUNCT
gujaf-108	1	88	zamfara	zamfara	PROPN
gujaf-108	1	89	state	state	NOUN
gujaf-108	1	90	-nigeria	-nigeria	PROPN
gujaf-108	1	91	all	all	DET
gujaf-108	1	92	rights	right	NOUN
gujaf-108	1	93	reserved	reserve	VERB
gujaf-108	1	94	except	except	SCONJ
gujaf-108	1	95	for	for	ADP
gujaf-108	1	96	academic	academic	ADJ
gujaf-108	1	97	purposes	purpose	NOUN
gujaf-108	1	98	no	no	DET
gujaf-108	1	99	part	part	NOUN
gujaf-108	1	100	or	or	CCONJ
gujaf-108	1	101	whole	whole	NOUN
gujaf-108	1	102	of	of	ADP
gujaf-108	1	103	this	this	DET
gujaf-108	1	104	publication	publication	NOUN
gujaf-108	1	105	is	be	AUX
gujaf-108	1	106	allowed	allow	VERB
gujaf-108	1	107	to	to	PART
gujaf-108	1	108	be	be	AUX
gujaf-108	1	109	reproduced	reproduce	VERB
gujaf-108	1	110	,	,	PUNCT
gujaf-108	1	111	stored	store	VERB
gujaf-108	1	112	in	in	ADP
gujaf-108	1	113	a	a	DET
gujaf-108	1	114	retrieval	retrieval	NOUN
gujaf-108	1	115	system	system	NOUN
gujaf-108	1	116	or	or	CCONJ
gujaf-108	1	117	transmitted	transmit	VERB
gujaf-108	1	118	in	in	ADP
gujaf-108	1	119	any	any	DET
gujaf-108	1	120	form	form	NOUN
gujaf-108	1	121	or	or	CCONJ
gujaf-108	1	122	by	by	ADP
gujaf-108	1	123	any	any	DET
gujaf-108	1	124	means	mean	NOUN
gujaf-108	1	125	be	be	AUX
gujaf-108	1	126	it	it	PRON
gujaf-108	1	127	mechanical	mechanical	ADJ
gujaf-108	1	128	,	,	PUNCT
gujaf-108	1	129	electrical	electrical	ADJ
gujaf-108	1	130	,	,	PUNCT
gujaf-108	1	131	photocopying	photocopying	NOUN
gujaf-108	1	132	,	,	PUNCT
gujaf-108	1	133	recording	recording	NOUN
gujaf-108	1	134	or	or	CCONJ
gujaf-108	1	135	otherwise	otherwise	ADV
gujaf-108	1	136	,	,	PUNCT
gujaf-108	1	137	without	without	ADP
gujaf-108	1	138	prior	prior	ADJ
gujaf-108	1	139	permission	permission	NOUN
gujaf-108	1	140	of	of	ADP
gujaf-108	1	141	the	the	DET
gujaf-108	1	142	copyright	copyright	NOUN
gujaf-108	1	143	owner	owner	NOUN
gujaf-108	1	144	.	.	PUNCT
gujaf-108	2	1	published	publish	VERB
gujaf-108	2	2	and	and	CCONJ
gujaf-108	2	3	printed	print	VERB
gujaf-108	2	4	by	by	ADP
gujaf-108	2	5	:	:	PUNCT
gujaf-108	2	6	ahmadu	ahmadu	PROPN
gujaf-108	2	7	bello	bello	PROPN
gujaf-108	2	8	university	university	PROPN
gujaf-108	2	9	press	press	NOUN
gujaf-108	2	10	limited	limit	VERB
gujaf-108	2	11	,	,	PUNCT
gujaf-108	2	12	zaria	zaria	PROPN
gujaf-108	2	13	kaduna	kaduna	PROPN
gujaf-108	2	14	state	state	PROPN
gujaf-108	2	15	,	,	PUNCT
gujaf-108	2	16	nigeria	nigeria	PROPN
gujaf-108	2	17	.	.	PUNCT
gujaf-108	3	1	tel	tel	ADP
gujaf-108	3	2	:	:	PUNCT
gujaf-108	3	3	08065949711	08065949711	NUM
gujaf-108	3	4	,	,	PUNCT
gujaf-108	3	5	069	069	NUM
gujaf-108	3	6	-	-	SYM
gujaf-108	3	7	879121	879121	NUM
gujaf-108	3	8	e	e	NOUN
gujaf-108	3	9	-	-	NOUN
gujaf-108	3	10	mail	mail	NOUN
gujaf-108	3	11	:	:	PUNCT
gujaf-108	3	12	abupress2013@gmail.com	abupress2013@gmail.com	X
gujaf-108	3	13	abupress2020@yahoo.com	abupress2020@yahoo.com	X
gujaf-108	4	1	website	website	NOUN
gujaf-108	4	2	:	:	PUNCT
gujaf-108	4	3	www.abupress.com.ng	www.abupress.com.ng	PROPN
gujaf-108	4	4	mailto:abupress2013@gmail.com	mailto:abupress2013@gmail.com	PROPN
gujaf-108	4	5	iii	iii	PROPN
gujaf-108	4	6	editorial	editorial	PROPN
gujaf-108	4	7	board	board	NOUN
gujaf-108	4	8	editor	editor	NOUN
gujaf-108	4	9	-	-	PUNCT
gujaf-108	4	10	in	in	ADP
gujaf-108	4	11	-	-	PUNCT
gujaf-108	4	12	chief	chief	NOUN
gujaf-108	4	13	:	:	PUNCT
gujaf-108	4	14	prof	prof	PROPN
gujaf-108	4	15	.	.	PUNCT
gujaf-108	4	16	shehu	shehu	PROPN
gujaf-108	4	17	usman	usman	PROPN
gujaf-108	4	18	hassan	hassan	PROPN
gujaf-108	4	19	department	department	PROPN
gujaf-108	4	20	of	of	ADP
gujaf-108	4	21	accounting	accounting	PROPN
gujaf-108	4	22	,	,	PUNCT
gujaf-108	4	23	federal	federal	ADJ
gujaf-108	4	24	university	university	PROPN
gujaf-108	4	25	of	of	ADP
gujaf-108	4	26	kashere	kashere	PROPN
gujaf-108	4	27	,	,	PUNCT
gujaf-108	4	28	gombe	gombe	ADJ
gujaf-108	4	29	state	state	NOUN
gujaf-108	4	30	.	.	PUNCT
gujaf-108	5	1	associate	associate	NOUN
gujaf-108	5	2	editor	editor	NOUN
gujaf-108	5	3	:	:	PUNCT
gujaf-108	5	4	dr	dr	PROPN
gujaf-108	5	5	.	.	PROPN
gujaf-108	5	6	muhammad	muhammad	PROPN
gujaf-108	5	7	mustapha	mustapha	PROPN
gujaf-108	5	8	bagudo	bagudo	PROPN
gujaf-108	5	9	department	department	PROPN
gujaf-108	5	10	of	of	ADP
gujaf-108	5	11	accounting	accounting	PROPN
gujaf-108	5	12	,	,	PUNCT
gujaf-108	5	13	ahmadu	ahmadu	PROPN
gujaf-108	5	14	bello	bello	PROPN
gujaf-108	5	15	university	university	PROPN
gujaf-108	5	16	zaria	zaria	PROPN
gujaf-108	5	17	,	,	PUNCT
gujaf-108	5	18	kaduna	kaduna	PROPN
gujaf-108	5	19	state	state	PROPN
gujaf-108	5	20	.	.	PUNCT
gujaf-108	6	1	managing	manage	VERB
gujaf-108	6	2	editor	editor	NOUN
gujaf-108	6	3	:	:	PUNCT
gujaf-108	6	4	umar	umar	PROPN
gujaf-108	6	5	farouk	farouk	PROPN
gujaf-108	6	6	abdulkarim	abdulkarim	PROPN
gujaf-108	6	7	department	department	PROPN
gujaf-108	6	8	of	of	ADP
gujaf-108	6	9	accounting	accounting	NOUN
gujaf-108	6	10	and	and	CCONJ
gujaf-108	6	11	finance	finance	NOUN
gujaf-108	6	12	,	,	PUNCT
gujaf-108	6	13	federal	federal	ADJ
gujaf-108	6	14	university	university	NOUN
gujaf-108	6	15	gusau	gusau	PROPN
gujaf-108	6	16	,	,	PUNCT
gujaf-108	6	17	zamfara	zamfara	PROPN
gujaf-108	6	18	state	state	PROPN
gujaf-108	6	19	.	.	PUNCT
gujaf-108	7	1	editorial	editorial	PROPN
gujaf-108	7	2	board	board	NOUN
gujaf-108	7	3	prof.ahmad	prof.ahmad	PROPN
gujaf-108	7	4	modu	modu	PROPN
gujaf-108	7	5	kumshe	kumshe	PROPN
gujaf-108	7	6	department	department	PROPN
gujaf-108	7	7	of	of	ADP
gujaf-108	7	8	accounting	accounting	PROPN
gujaf-108	7	9	,	,	PUNCT
gujaf-108	7	10	university	university	NOUN
gujaf-108	7	11	of	of	ADP
gujaf-108	7	12	maiduguri	maiduguri	PROPN
gujaf-108	7	13	,	,	PUNCT
gujaf-108	7	14	borno	borno	PROPN
gujaf-108	7	15	state	state	PROPN
gujaf-108	7	16	.	.	PUNCT
gujaf-108	8	1	prof	prof	PROPN
gujaf-108	8	2	ugochukwu	ugochukwu	PROPN
gujaf-108	8	3	c.	c.	PROPN
gujaf-108	8	4	nzewi	nzewi	VERB
gujaf-108	8	5	department	department	PROPN
gujaf-108	8	6	of	of	ADP
gujaf-108	8	7	accounting	accounting	PROPN
gujaf-108	8	8	,	,	PUNCT
gujaf-108	8	9	paul	paul	PROPN
gujaf-108	8	10	university	university	PROPN
gujaf-108	8	11	awka	awka	NOUN
gujaf-108	8	12	,	,	PUNCT
gujaf-108	8	13	anambra	anambra	PROPN
gujaf-108	8	14	state	state	PROPN
gujaf-108	8	15	.	.	PUNCT
gujaf-108	9	1	prof	prof	PROPN
gujaf-108	9	2	kabir	kabir	PROPN
gujaf-108	9	3	tahir	tahir	PROPN
gujaf-108	9	4	hamid	hamid	PROPN
gujaf-108	9	5	department	department	PROPN
gujaf-108	9	6	of	of	ADP
gujaf-108	9	7	accounting	accounting	PROPN
gujaf-108	9	8	,	,	PUNCT
gujaf-108	9	9	bayero	bayero	PROPN
gujaf-108	9	10	university	university	PROPN
gujaf-108	9	11	,	,	PUNCT
gujaf-108	9	12	kano	kano	PROPN
gujaf-108	9	13	,	,	PUNCT
gujaf-108	9	14	kano	kano	PROPN
gujaf-108	9	15	state	state	PROPN
gujaf-108	9	16	.	.	PUNCT
gujaf-108	10	1	prof	prof	PROPN
gujaf-108	10	2	.	.	PUNCT
gujaf-108	11	1	ekoja	ekoja	PROPN
gujaf-108	11	2	b.	b.	PROPN
gujaf-108	11	3	ekoja	ekoja	PROPN
gujaf-108	11	4	department	department	PROPN
gujaf-108	11	5	of	of	ADP
gujaf-108	11	6	accounting	accounting	PROPN
gujaf-108	11	7	,	,	PUNCT
gujaf-108	11	8	university	university	PROPN
gujaf-108	11	9	of	of	ADP
gujaf-108	11	10	jos	jos	PROPN
gujaf-108	11	11	.	.	PROPN
gujaf-108	11	12	prof	prof	PROPN
gujaf-108	11	13	.	.	PUNCT
gujaf-108	12	1	clifford	clifford	PROPN
gujaf-108	12	2	ofurum	ofurum	PROPN
gujaf-108	12	3	department	department	PROPN
gujaf-108	12	4	of	of	ADP
gujaf-108	12	5	accounting	accounting	PROPN
gujaf-108	12	6	,	,	PUNCT
gujaf-108	12	7	university	university	NOUN
gujaf-108	12	8	of	of	ADP
gujaf-108	12	9	portharcourt	portharcourt	PROPN
gujaf-108	12	10	,	,	PUNCT
gujaf-108	12	11	rivers	river	NOUN
gujaf-108	12	12	state	state	PROPN
gujaf-108	12	13	.	.	PUNCT
gujaf-108	13	1	prof	prof	PROPN
gujaf-108	13	2	.	.	PUNCT
gujaf-108	14	1	ahmad	ahmad	PROPN
gujaf-108	14	2	bello	bello	PROPN
gujaf-108	14	3	dogarawa	dogarawa	PROPN
gujaf-108	14	4	department	department	PROPN
gujaf-108	14	5	of	of	ADP
gujaf-108	14	6	accounting	accounting	NOUN
gujaf-108	14	7	,	,	PUNCT
gujaf-108	14	8	ahmadu	ahmadu	PROPN
gujaf-108	14	9	bello	bello	PROPN
gujaf-108	14	10	university	university	PROPN
gujaf-108	14	11	zaria	zaria	PROPN
gujaf-108	14	12	.	.	PUNCT
gujaf-108	15	1	prof	prof	PROPN
gujaf-108	15	2	.	.	PUNCT
gujaf-108	16	1	yusuf	yusuf	PROPN
gujaf-108	16	2	.	.	PUNCT
gujaf-108	17	1	b.	b.	PROPN
gujaf-108	17	2	rahman	rahman	PROPN
gujaf-108	17	3	department	department	PROPN
gujaf-108	17	4	of	of	ADP
gujaf-108	17	5	accounting	accounting	PROPN
gujaf-108	17	6	,	,	PUNCT
gujaf-108	17	7	lagos	lagos	NOUN
gujaf-108	17	8	state	state	PROPN
gujaf-108	17	9	university	university	PROPN
gujaf-108	17	10	,	,	PUNCT
gujaf-108	17	11	lagos	lagos	NOUN
gujaf-108	17	12	state	state	NOUN
gujaf-108	17	13	.	.	PUNCT
gujaf-108	18	1	prof	prof	PROPN
gujaf-108	18	2	.	.	PUNCT
gujaf-108	19	1	suleiman	suleiman	PROPN
gujaf-108	19	2	a.	a.	PROPN
gujaf-108	19	3	s.	s.	PROPN
gujaf-108	19	4	aruwa	aruwa	PROPN
gujaf-108	19	5	department	department	PROPN
gujaf-108	19	6	of	of	ADP
gujaf-108	19	7	accounting	accounting	PROPN
gujaf-108	19	8	,	,	PUNCT
gujaf-108	19	9	nasarawa	nasarawa	PROPN
gujaf-108	19	10	state	state	PROPN
gujaf-108	19	11	university	university	PROPN
gujaf-108	19	12	,	,	PUNCT
gujaf-108	19	13	keffi	keffi	PROPN
gujaf-108	19	14	,	,	PUNCT
gujaf-108	19	15	nasarawa	nasarawa	PROPN
gujaf-108	19	16	state	state	PROPN
gujaf-108	19	17	.	.	PUNCT
gujaf-108	20	1	prof	prof	PROPN
gujaf-108	20	2	.	.	PUNCT
gujaf-108	21	1	muhammad	muhammad	PROPN
gujaf-108	21	2	junaidu	junaidu	PROPN
gujaf-108	21	3	kurawa	kurawa	PROPN
gujaf-108	21	4	department	department	PROPN
gujaf-108	21	5	of	of	ADP
gujaf-108	21	6	accounting	accounting	PROPN
gujaf-108	21	7	,	,	PUNCT
gujaf-108	21	8	bayero	bayero	PROPN
gujaf-108	21	9	university	university	PROPN
gujaf-108	21	10	kano	kano	PROPN
gujaf-108	21	11	,	,	PUNCT
gujaf-108	21	12	kano	kano	PROPN
gujaf-108	21	13	state	state	PROPN
gujaf-108	21	14	.	.	PUNCT
gujaf-108	22	1	prof	prof	PROPN
gujaf-108	22	2	.	.	PUNCT
gujaf-108	23	1	muhammad	muhammad	PROPN
gujaf-108	23	2	habibu	habibu	ADJ
gujaf-108	23	3	sabari	sabari	PROPN
gujaf-108	23	4	department	department	PROPN
gujaf-108	23	5	of	of	ADP
gujaf-108	23	6	accounting	accounting	NOUN
gujaf-108	23	7	,	,	PUNCT
gujaf-108	23	8	ahmadu	ahmadu	PROPN
gujaf-108	23	9	bello	bello	PROPN
gujaf-108	23	10	university	university	PROPN
gujaf-108	23	11	,	,	PUNCT
gujaf-108	23	12	zaria	zaria	PROPN
gujaf-108	23	13	.	.	PUNCT
gujaf-108	23	14	prof	prof	PROPN
gujaf-108	23	15	.	.	PUNCT
gujaf-108	24	1	okpanachi	okpanachi	PROPN
gujaf-108	24	2	joshua	joshua	PROPN
gujaf-108	24	3	department	department	PROPN
gujaf-108	24	4	of	of	ADP
gujaf-108	24	5	accounting	accounting	NOUN
gujaf-108	24	6	and	and	CCONJ
gujaf-108	24	7	management	management	NOUN
gujaf-108	24	8	,	,	PUNCT
gujaf-108	24	9	nigerian	nigerian	ADJ
gujaf-108	24	10	defence	defence	PROPN
gujaf-108	24	11	academy	academy	PROPN
gujaf-108	24	12	,	,	PUNCT
gujaf-108	24	13	kaduna	kaduna	PROPN
gujaf-108	24	14	.	.	PROPN
gujaf-108	25	1	iv	iv	PROPN
gujaf-108	25	2	prof	prof	PROPN
gujaf-108	25	3	.	.	PUNCT
gujaf-108	26	1	hassan	hassan	PROPN
gujaf-108	26	2	ibrahim	ibrahim	PROPN
gujaf-108	26	3	department	department	PROPN
gujaf-108	26	4	of	of	ADP
gujaf-108	26	5	accounting	accounting	PROPN
gujaf-108	26	6	,	,	PUNCT
gujaf-108	26	7	ibb	ibb	NOUN
gujaf-108	26	8	university	university	NOUN
gujaf-108	26	9	,	,	PUNCT
gujaf-108	26	10	lapai	lapai	NOUN
gujaf-108	26	11	,	,	PUNCT
gujaf-108	26	12	niger	niger	NOUN
gujaf-108	26	13	state	state	NOUN
gujaf-108	26	14	.	.	PUNCT
gujaf-108	27	1	prof	prof	PROPN
gujaf-108	27	2	.	.	PUNCT
gujaf-108	28	1	ifeoma	ifeoma	PROPN
gujaf-108	28	2	mary	mary	PROPN
gujaf-108	28	3	okwo	okwo	PROPN
gujaf-108	28	4	department	department	PROPN
gujaf-108	28	5	of	of	ADP
gujaf-108	28	6	accounting	accounting	PROPN
gujaf-108	28	7	,	,	PUNCT
gujaf-108	28	8	enugu	enugu	PROPN
gujaf-108	28	9	state	state	PROPN
gujaf-108	28	10	university	university	PROPN
gujaf-108	28	11	of	of	ADP
gujaf-108	28	12	science	science	NOUN
gujaf-108	28	13	and	and	CCONJ
gujaf-108	28	14	technology	technology	NOUN
gujaf-108	28	15	,	,	PUNCT
gujaf-108	28	16	enugu	enugu	PROPN
gujaf-108	28	17	state	state	PROPN
gujaf-108	28	18	.	.	PUNCT
gujaf-108	29	1	prof	prof	PROPN
gujaf-108	29	2	.	.	PROPN
gujaf-108	30	1	aminu	aminu	PROPN
gujaf-108	30	2	isah	isah	PROPN
gujaf-108	30	3	department	department	PROPN
gujaf-108	30	4	of	of	ADP
gujaf-108	30	5	accounting	accounting	PROPN
gujaf-108	30	6	,	,	PUNCT
gujaf-108	30	7	bayero	bayero	PROPN
gujaf-108	30	8	university	university	PROPN
gujaf-108	30	9	,	,	PUNCT
gujaf-108	30	10	kano	kano	PROPN
gujaf-108	30	11	,	,	PUNCT
gujaf-108	30	12	kano	kano	PROPN
gujaf-108	30	13	state	state	PROPN
gujaf-108	30	14	.	.	PUNCT
gujaf-108	31	1	prof	prof	PROPN
gujaf-108	31	2	.	.	PUNCT
gujaf-108	32	1	ahmadu	ahmadu	PROPN
gujaf-108	32	2	bello	bello	PROPN
gujaf-108	32	3	department	department	PROPN
gujaf-108	32	4	of	of	ADP
gujaf-108	32	5	accounting	accounting	NOUN
gujaf-108	32	6	,	,	PUNCT
gujaf-108	32	7	ahmadu	ahmadu	PROPN
gujaf-108	32	8	bello	bello	PROPN
gujaf-108	32	9	university	university	PROPN
gujaf-108	32	10	,	,	PUNCT
gujaf-108	32	11	zaria	zaria	PROPN
gujaf-108	32	12	.	.	PUNCT
gujaf-108	33	1	prof	prof	PROPN
gujaf-108	33	2	.	.	PUNCT
gujaf-108	34	1	musa	musa	PROPN
gujaf-108	34	2	yelwa	yelwa	PROPN
gujaf-108	34	3	abubakar	abubakar	PROPN
gujaf-108	34	4	department	department	PROPN
gujaf-108	34	5	of	of	ADP
gujaf-108	34	6	accounting	accounting	PROPN
gujaf-108	34	7	,	,	PUNCT
gujaf-108	34	8	usmanu	usmanu	PROPN
gujaf-108	34	9	danfodiyo	danfodiyo	PROPN
gujaf-108	34	10	university	university	PROPN
gujaf-108	34	11	,	,	PUNCT
gujaf-108	34	12	sokoto	sokoto	PROPN
gujaf-108	34	13	state	state	PROPN
gujaf-108	34	14	.	.	PUNCT
gujaf-108	35	1	dr	dr	PROPN
gujaf-108	35	2	.	.	PROPN
gujaf-108	35	3	salisu	salisu	PROPN
gujaf-108	35	4	abubakar	abubakar	PROPN
gujaf-108	35	5	department	department	PROPN
gujaf-108	35	6	of	of	ADP
gujaf-108	35	7	accounting	accounting	NOUN
gujaf-108	35	8	,	,	PUNCT
gujaf-108	35	9	ahmadu	ahmadu	PROPN
gujaf-108	35	10	bello	bello	PROPN
gujaf-108	35	11	university	university	PROPN
gujaf-108	35	12	zaria	zaria	PROPN
gujaf-108	35	13	,	,	PUNCT
gujaf-108	35	14	kaduna	kaduna	PROPN
gujaf-108	35	15	state	state	PROPN
gujaf-108	35	16	.	.	PUNCT
gujaf-108	36	1	dr	dr	PROPN
gujaf-108	36	2	.	.	PROPN
gujaf-108	36	3	isaq	isaq	PROPN
gujaf-108	36	4	alhaji	alhaji	PROPN
gujaf-108	36	5	samaila	samaila	PROPN
gujaf-108	36	6	department	department	PROPN
gujaf-108	36	7	of	of	ADP
gujaf-108	36	8	accounting	accounting	PROPN
gujaf-108	36	9	,	,	PUNCT
gujaf-108	36	10	bayero	bayero	PROPN
gujaf-108	36	11	university	university	NOUN
gujaf-108	36	12	,	,	PUNCT
gujaf-108	36	13	kano	kano	PROPN
gujaf-108	36	14	state	state	PROPN
gujaf-108	36	15	.	.	PUNCT
gujaf-108	37	1	dr	dr	PROPN
gujaf-108	37	2	.	.	PROPN
gujaf-108	37	3	fatima	fatima	PROPN
gujaf-108	37	4	alfa	alfa	PROPN
gujaf-108	37	5	department	department	PROPN
gujaf-108	37	6	of	of	ADP
gujaf-108	37	7	accounting	accounting	PROPN
gujaf-108	37	8	,	,	PUNCT
gujaf-108	37	9	university	university	NOUN
gujaf-108	37	10	of	of	ADP
gujaf-108	37	11	maiduguri	maiduguri	PROPN
gujaf-108	37	12	,	,	PUNCT
gujaf-108	37	13	borno	borno	PROPN
gujaf-108	37	14	state	state	PROPN
gujaf-108	37	15	.	.	PUNCT
gujaf-108	38	1	dr	dr	PROPN
gujaf-108	38	2	.	.	PROPN
gujaf-108	38	3	sunusi	sunusi	PROPN
gujaf-108	38	4	sa'ad	sa'ad	PROPN
gujaf-108	38	5	ahmad	ahmad	PROPN
gujaf-108	38	6	department	department	PROPN
gujaf-108	38	7	of	of	ADP
gujaf-108	38	8	accounting	accounting	PROPN
gujaf-108	38	9	,	,	PUNCT
gujaf-108	38	10	federal	federal	ADJ
gujaf-108	38	11	university	university	NOUN
gujaf-108	38	12	dutse	dutse	NOUN
gujaf-108	38	13	,	,	PUNCT
gujaf-108	38	14	jigawa	jigawa	PROPN
gujaf-108	38	15	state	state	PROPN
gujaf-108	38	16	.	.	PUNCT
gujaf-108	39	1	dr	dr	PROPN
gujaf-108	39	2	.	.	PROPN
gujaf-108	39	3	nasiru	nasiru	PROPN
gujaf-108	39	4	a.	a.	PROPN
gujaf-108	39	5	ka’oje	ka’oje	PROPN
gujaf-108	39	6	department	department	PROPN
gujaf-108	39	7	of	of	ADP
gujaf-108	39	8	accounting	accounting	PROPN
gujaf-108	39	9	,	,	PUNCT
gujaf-108	39	10	usmanu	usmanu	PROPN
gujaf-108	39	11	danfodiyo	danfodiyo	PROPN
gujaf-108	39	12	university	university	PROPN
gujaf-108	39	13	sokoto	sokoto	PROPN
gujaf-108	39	14	state	state	PROPN
gujaf-108	39	15	.	.	PUNCT
gujaf-108	40	1	dr	dr	PROPN
gujaf-108	40	2	.	.	PROPN
gujaf-108	40	3	aminu	aminu	PROPN
gujaf-108	40	4	abdullahi	abdullahi	PROPN
gujaf-108	40	5	department	department	PROPN
gujaf-108	40	6	of	of	ADP
gujaf-108	40	7	accounting	accounting	PROPN
gujaf-108	40	8	,	,	PUNCT
gujaf-108	40	9	usmanu	usmanu	PROPN
gujaf-108	40	10	danfodiyo	danfodiyo	PROPN
gujaf-108	40	11	university	university	PROPN
gujaf-108	40	12	sokoto	sokoto	PROPN
gujaf-108	40	13	,	,	PUNCT
gujaf-108	40	14	state	state	PROPN
gujaf-108	40	15	.	.	PUNCT
gujaf-108	41	1	dr	dr	PROPN
gujaf-108	41	2	.	.	PROPN
gujaf-108	41	3	onipe	onipe	PROPN
gujaf-108	41	4	adebenege	adebenege	PROPN
gujaf-108	41	5	yahaya	yahaya	PROPN
gujaf-108	41	6	department	department	PROPN
gujaf-108	41	7	of	of	ADP
gujaf-108	41	8	accounting	accounting	PROPN
gujaf-108	41	9	,	,	PUNCT
gujaf-108	41	10	nigerian	nigerian	ADJ
gujaf-108	41	11	defence	defence	PROPN
gujaf-108	41	12	academy	academy	PROPN
gujaf-108	41	13	,	,	PUNCT
gujaf-108	41	14	kaduna	kaduna	PROPN
gujaf-108	41	15	state	state	PROPN
gujaf-108	41	16	.	.	PUNCT
gujaf-108	42	1	dr	dr	PROPN
gujaf-108	42	2	.	.	PROPN
gujaf-108	42	3	saidu	saidu	PROPN
gujaf-108	42	4	adamu	adamu	PROPN
gujaf-108	42	5	department	department	PROPN
gujaf-108	42	6	of	of	ADP
gujaf-108	42	7	accounting	accounting	PROPN
gujaf-108	42	8	,	,	PUNCT
gujaf-108	42	9	federal	federal	ADJ
gujaf-108	42	10	university	university	PROPN
gujaf-108	42	11	of	of	ADP
gujaf-108	42	12	kashere	kashere	PROPN
gujaf-108	42	13	,	,	PUNCT
gujaf-108	42	14	gombe	gombe	ADJ
gujaf-108	42	15	state	state	NOUN
gujaf-108	42	16	.	.	PUNCT
gujaf-108	43	1	dr	dr	PROPN
gujaf-108	43	2	.	.	PROPN
gujaf-108	43	3	nasiru	nasiru	PROPN
gujaf-108	43	4	yunusa	yunusa	PROPN
gujaf-108	43	5	department	department	PROPN
gujaf-108	43	6	of	of	ADP
gujaf-108	43	7	accounting	accounting	NOUN
gujaf-108	43	8	,	,	PUNCT
gujaf-108	43	9	ahmadu	ahmadu	PROPN
gujaf-108	43	10	bello	bello	PROPN
gujaf-108	43	11	university	university	PROPN
gujaf-108	43	12	zaria	zaria	PROPN
gujaf-108	43	13	.	.	PUNCT
gujaf-108	44	1	dr	dr	PROPN
gujaf-108	44	2	.	.	PROPN
gujaf-108	44	3	aisha	aisha	PROPN
gujaf-108	44	4	nuhu	nuhu	PROPN
gujaf-108	44	5	muhammad	muhammad	PROPN
gujaf-108	44	6	department	department	PROPN
gujaf-108	44	7	of	of	ADP
gujaf-108	44	8	accounting	accounting	PROPN
gujaf-108	44	9	,	,	PUNCT
gujaf-108	44	10	ahmadu	ahmadu	PROPN
gujaf-108	44	11	bello	bello	PROPN
gujaf-108	44	12	university	university	PROPN
gujaf-108	44	13	zaria	zaria	PROPN
gujaf-108	44	14	.	.	PUNCT
gujaf-108	45	1	dr	dr	PROPN
gujaf-108	45	2	.	.	PROPN
gujaf-108	45	3	lawal	lawal	PROPN
gujaf-108	45	4	muhammad	muhammad	PROPN
gujaf-108	45	5	department	department	PROPN
gujaf-108	45	6	of	of	ADP
gujaf-108	45	7	accounting	accounting	PROPN
gujaf-108	45	8	,	,	PUNCT
gujaf-108	45	9	ahmadu	ahmadu	PROPN
gujaf-108	45	10	bello	bello	PROPN
gujaf-108	45	11	university	university	PROPN
gujaf-108	45	12	zaria	zaria	PROPN
gujaf-108	45	13	.	.	PUNCT
gujaf-108	46	1	dr	dr	PROPN
gujaf-108	46	2	.	.	PROPN
gujaf-108	46	3	farouk	farouk	PROPN
gujaf-108	46	4	adeza	adeza	PROPN
gujaf-108	46	5	school	school	NOUN
gujaf-108	46	6	of	of	ADP
gujaf-108	46	7	business	business	NOUN
gujaf-108	46	8	and	and	CCONJ
gujaf-108	46	9	entrepreneurship	entrepreneurship	NOUN
gujaf-108	46	10	,	,	PUNCT
gujaf-108	46	11	american	american	PROPN
gujaf-108	46	12	university	university	PROPN
gujaf-108	46	13	of	of	ADP
gujaf-108	46	14	nigeria	nigeria	PROPN
gujaf-108	46	15	,	,	PUNCT
gujaf-108	46	16	yola	yola	PROPN
gujaf-108	46	17	.	.	PUNCT
gujaf-108	47	1	v	v	PROPN
gujaf-108	47	2	dr	dr	PROPN
gujaf-108	47	3	.	.	PROPN
gujaf-108	47	4	bashir	bashir	PROPN
gujaf-108	47	5	umar	umar	PROPN
gujaf-108	47	6	farouk	farouk	PROPN
gujaf-108	47	7	department	department	PROPN
gujaf-108	47	8	of	of	ADP
gujaf-108	47	9	economics	economic	NOUN
gujaf-108	47	10	,	,	PUNCT
gujaf-108	47	11	federal	federal	ADJ
gujaf-108	47	12	university	university	NOUN
gujaf-108	47	13	gusau	gusau	PROPN
gujaf-108	47	14	,	,	PUNCT
gujaf-108	47	15	zamfara	zamfara	PROPN
gujaf-108	47	16	state	state	PROPN
gujaf-108	47	17	.	.	PUNCT
gujaf-108	48	1	dr	dr	PROPN
gujaf-108	48	2	emmanuel	emmanuel	PROPN
gujaf-108	48	3	omokhuale	omokhuale	PROPN
gujaf-108	48	4	department	department	PROPN
gujaf-108	48	5	of	of	ADP
gujaf-108	48	6	mathematics	mathematics	PROPN
gujaf-108	48	7	,	,	PUNCT
gujaf-108	48	8	federal	federal	ADJ
gujaf-108	48	9	university	university	NOUN
gujaf-108	48	10	gusau	gusau	NOUN
gujaf-108	48	11	,	,	PUNCT
gujaf-108	48	12	zamfara	zamfara	PROPN
gujaf-108	48	13	.	.	PUNCT
gujaf-108	49	1	state	state	PROPN
gujaf-108	49	2	advisory	advisory	PROPN
gujaf-108	49	3	board	board	NOUN
gujaf-108	49	4	members	members	PROPN
gujaf-108	49	5	prof	prof	PROPN
gujaf-108	49	6	.	.	PUNCT
gujaf-108	50	1	kabiru	kabiru	PROPN
gujaf-108	50	2	isah	isah	PROPN
gujaf-108	50	3	dandago	dandago	PROPN
gujaf-108	50	4	,	,	PUNCT
gujaf-108	50	5	bayero	bayero	PROPN
gujaf-108	50	6	university	university	PROPN
gujaf-108	50	7	kano	kano	PROPN
gujaf-108	50	8	,	,	PUNCT
gujaf-108	50	9	kano	kano	PROPN
gujaf-108	50	10	state	state	PROPN
gujaf-108	50	11	.	.	PUNCT
gujaf-108	51	1	prof	prof	PROPN
gujaf-108	51	2	a	a	DET
gujaf-108	51	3	m	m	NOUN
gujaf-108	51	4	bashir	bashir	NOUN
gujaf-108	51	5	,	,	PUNCT
gujaf-108	51	6	usmanu	usmanu	PROPN
gujaf-108	51	7	danfodiyo	danfodiyo	PROPN
gujaf-108	51	8	university	university	PROPN
gujaf-108	51	9	sokoto	sokoto	PROPN
gujaf-108	51	10	,	,	PUNCT
gujaf-108	51	11	sokoto	sokoto	PROPN
gujaf-108	51	12	state	state	PROPN
gujaf-108	51	13	.	.	PUNCT
gujaf-108	52	1	prof	prof	PROPN
gujaf-108	52	2	.	.	PUNCT
gujaf-108	53	1	muhammad	muhammad	PROPN
gujaf-108	53	2	tanko	tanko	PROPN
gujaf-108	53	3	,	,	PUNCT
gujaf-108	53	4	kaduna	kaduna	PROPN
gujaf-108	53	5	state	state	PROPN
gujaf-108	53	6	university	university	PROPN
gujaf-108	53	7	,	,	PUNCT
gujaf-108	53	8	kaduna	kaduna	PROPN
gujaf-108	53	9	.	.	PROPN
gujaf-108	53	10	prof	prof	PROPN
gujaf-108	53	11	.	.	PUNCT
gujaf-108	53	12	bayero	bayero	PROPN
gujaf-108	54	1	a	a	DET
gujaf-108	54	2	m	m	NOUN
gujaf-108	54	3	sabir	sabir	NOUN
gujaf-108	54	4	,	,	PUNCT
gujaf-108	54	5	usmanu	usmanu	PROPN
gujaf-108	54	6	danfodiyo	danfodiyo	PROPN
gujaf-108	54	7	university	university	PROPN
gujaf-108	54	8	sokoto	sokoto	PROPN
gujaf-108	54	9	,	,	PUNCT
gujaf-108	54	10	sokoto	sokoto	PROPN
gujaf-108	54	11	state	state	PROPN
gujaf-108	54	12	.	.	PUNCT
gujaf-108	55	1	prof	prof	PROPN
gujaf-108	55	2	.	.	PUNCT
gujaf-108	56	1	aliyu	aliyu	PROPN
gujaf-108	56	2	sulaiman	sulaiman	PROPN
gujaf-108	56	3	kantudu	kantudu	PROPN
gujaf-108	56	4	,	,	PUNCT
gujaf-108	56	5	bayero	bayero	PROPN
gujaf-108	56	6	university	university	PROPN
gujaf-108	56	7	kano	kano	PROPN
gujaf-108	56	8	,	,	PUNCT
gujaf-108	56	9	kano	kano	PROPN
gujaf-108	56	10	state	state	PROPN
gujaf-108	56	11	.	.	PUNCT
gujaf-108	57	1	editorial	editorial	PROPN
gujaf-108	57	2	secretary	secretary	PROPN
gujaf-108	57	3	usman	usman	PROPN
gujaf-108	57	4	muhammad	muhammad	PROPN
gujaf-108	57	5	adam	adam	PROPN
gujaf-108	57	6	department	department	PROPN
gujaf-108	57	7	of	of	ADP
gujaf-108	57	8	accounting	accounting	NOUN
gujaf-108	57	9	and	and	CCONJ
gujaf-108	57	10	finance	finance	NOUN
gujaf-108	57	11	,	,	PUNCT
gujaf-108	57	12	federal	federal	ADJ
gujaf-108	57	13	university	university	NOUN
gujaf-108	57	14	gusau	gusau	PROPN
gujaf-108	57	15	,	,	PUNCT
gujaf-108	57	16	zamfara	zamfara	PROPN
gujaf-108	57	17	state	state	PROPN
gujaf-108	57	18	.	.	PUNCT
gujaf-108	58	1	vi	vi	NOUN
gujaf-108	58	2	call	call	NOUN
gujaf-108	58	3	for	for	ADP
gujaf-108	58	4	papers	paper	NOUN
gujaf-108	58	5	the	the	DET
gujaf-108	58	6	editorial	editorial	ADJ
gujaf-108	58	7	board	board	NOUN
gujaf-108	58	8	of	of	ADP
gujaf-108	58	9	gusau	gusau	PROPN
gujaf-108	58	10	journal	journal	PROPN
gujaf-108	58	11	of	of	ADP
gujaf-108	58	12	accounting	accounting	NOUN
gujaf-108	58	13	and	and	CCONJ
gujaf-108	58	14	finance	finance	NOUN
gujaf-108	58	15	(	(	PUNCT
gujaf-108	58	16	gujaf	gujaf	NOUN
gujaf-108	58	17	)	)	PUNCT
gujaf-108	58	18	is	be	AUX
gujaf-108	58	19	hereby	hereby	ADV
gujaf-108	58	20	inviting	invite	VERB
gujaf-108	58	21	authors	author	NOUN
gujaf-108	58	22	to	to	PART
gujaf-108	58	23	submit	submit	VERB
gujaf-108	58	24	their	their	PRON
gujaf-108	58	25	unpublished	unpublished	ADJ
gujaf-108	58	26	manuscript	manuscript	NOUN
gujaf-108	58	27	for	for	ADP
gujaf-108	58	28	publication	publication	NOUN
gujaf-108	58	29	.	.	PUNCT
gujaf-108	59	1	the	the	DET
gujaf-108	59	2	journal	journal	NOUN
gujaf-108	59	3	is	be	AUX
gujaf-108	59	4	published	publish	VERB
gujaf-108	59	5	in	in	ADP
gujaf-108	59	6	two	two	NUM
gujaf-108	59	7	issues	issue	NOUN
gujaf-108	59	8	of	of	ADP
gujaf-108	59	9	april	april	PROPN
gujaf-108	59	10	and	and	CCONJ
gujaf-108	59	11	october	october	PROPN
gujaf-108	59	12	annually	annually	ADV
gujaf-108	59	13	.	.	PUNCT
gujaf-108	60	1	gujaf	gujaf	NOUN
gujaf-108	60	2	is	be	AUX
gujaf-108	60	3	a	a	DET
gujaf-108	60	4	double	double	ADJ
gujaf-108	60	5	-	-	PUNCT
gujaf-108	60	6	blind	blind	ADJ
gujaf-108	60	7	peer	peer	NOUN
gujaf-108	60	8	reviewed	review	VERB
gujaf-108	60	9	journal	journal	NOUN
gujaf-108	60	10	published	publish	VERB
gujaf-108	60	11	by	by	ADP
gujaf-108	60	12	the	the	DET
gujaf-108	60	13	department	department	NOUN
gujaf-108	60	14	of	of	ADP
gujaf-108	60	15	accounting	accounting	NOUN
gujaf-108	60	16	and	and	CCONJ
gujaf-108	60	17	finance	finance	NOUN
gujaf-108	60	18	,	,	PUNCT
gujaf-108	60	19	faculty	faculty	NOUN
gujaf-108	60	20	of	of	ADP
gujaf-108	60	21	management	management	NOUN
gujaf-108	60	22	and	and	CCONJ
gujaf-108	60	23	social	social	ADJ
gujaf-108	60	24	sciences	science	NOUN
gujaf-108	60	25	,	,	PUNCT
gujaf-108	60	26	federal	federal	ADJ
gujaf-108	60	27	university	university	NOUN
gujaf-108	60	28	gusau	gusau	NOUN
gujaf-108	60	29	,	,	PUNCT
gujaf-108	60	30	zamfara	zamfara	PROPN
gujaf-108	60	31	state	state	PROPN
gujaf-108	60	32	nigeria	nigeria	PROPN
gujaf-108	60	33	the	the	DET
gujaf-108	60	34	journal	journal	PROPN
gujaf-108	60	35	accepts	accept	VERB
gujaf-108	60	36	papers	paper	NOUN
gujaf-108	60	37	in	in	ADP
gujaf-108	60	38	all	all	DET
gujaf-108	60	39	areas	area	NOUN
gujaf-108	60	40	of	of	ADP
gujaf-108	60	41	accounting	accounting	NOUN
gujaf-108	60	42	and	and	CCONJ
gujaf-108	60	43	finance	finance	NOUN
gujaf-108	60	44	for	for	ADP
gujaf-108	60	45	publication	publication	NOUN
gujaf-108	60	46	which	which	PRON
gujaf-108	60	47	include	include	VERB
gujaf-108	60	48	:	:	PUNCT
gujaf-108	60	49	accounting	accounting	NOUN
gujaf-108	60	50	standards	standard	NOUN
gujaf-108	60	51	,	,	PUNCT
gujaf-108	60	52	accounting	account	VERB
gujaf-108	60	53	information	information	NOUN
gujaf-108	60	54	system	system	NOUN
gujaf-108	60	55	,	,	PUNCT
gujaf-108	60	56	financial	financial	ADJ
gujaf-108	60	57	reporting	reporting	NOUN
gujaf-108	60	58	,	,	PUNCT
gujaf-108	60	59	earnings	earning	NOUN
gujaf-108	60	60	management	management	NOUN
gujaf-108	60	61	,	,	PUNCT
gujaf-108	60	62	,	,	PUNCT
gujaf-108	60	63	auditing	auditing	NOUN
gujaf-108	60	64	and	and	CCONJ
gujaf-108	60	65	investigation	investigation	NOUN
gujaf-108	60	66	,	,	PUNCT
gujaf-108	60	67	auditing	auditing	NOUN
gujaf-108	60	68	and	and	CCONJ
gujaf-108	60	69	standards	standard	NOUN
gujaf-108	60	70	,	,	PUNCT
gujaf-108	60	71	public	public	ADJ
gujaf-108	60	72	sector	sector	NOUN
gujaf-108	60	73	accounting	accounting	NOUN
gujaf-108	60	74	and	and	CCONJ
gujaf-108	60	75	auditing	auditing	NOUN
gujaf-108	60	76	,	,	PUNCT
gujaf-108	60	77	taxation	taxation	NOUN
gujaf-108	60	78	and	and	CCONJ
gujaf-108	60	79	revenue	revenue	NOUN
gujaf-108	60	80	administration	administration	NOUN
gujaf-108	60	81	,	,	PUNCT
gujaf-108	60	82	corporate	corporate	ADJ
gujaf-108	60	83	governance	governance	NOUN
gujaf-108	60	84	issues	issue	NOUN
gujaf-108	60	85	,	,	PUNCT
gujaf-108	60	86	corporate	corporate	ADJ
gujaf-108	60	87	social	social	ADJ
gujaf-108	60	88	responsibility	responsibility	NOUN
gujaf-108	60	89	,	,	PUNCT
gujaf-108	60	90	sustainability	sustainability	NOUN
gujaf-108	60	91	and	and	CCONJ
gujaf-108	60	92	environmental	environmental	ADJ
gujaf-108	60	93	reporting	reporting	NOUN
gujaf-108	60	94	issue	issue	NOUN
gujaf-108	60	95	,	,	PUNCT
gujaf-108	60	96	information	information	NOUN
gujaf-108	60	97	and	and	CCONJ
gujaf-108	60	98	communication	communication	NOUN
gujaf-108	60	99	technology	technology	NOUN
gujaf-108	60	100	issues	issue	NOUN
gujaf-108	60	101	,	,	PUNCT
gujaf-108	60	102	bankruptcy	bankruptcy	NOUN
gujaf-108	60	103	prediction	prediction	NOUN
gujaf-108	60	104	,	,	PUNCT
gujaf-108	60	105	corporate	corporate	ADJ
gujaf-108	60	106	finance	finance	NOUN
gujaf-108	60	107	,	,	PUNCT
gujaf-108	60	108	personal	personal	ADJ
gujaf-108	60	109	finance	finance	NOUN
gujaf-108	60	110	,	,	PUNCT
gujaf-108	60	111	merger	merger	NOUN
gujaf-108	60	112	and	and	CCONJ
gujaf-108	60	113	acquisitions	acquisition	NOUN
gujaf-108	60	114	,	,	PUNCT
gujaf-108	60	115	capital	capital	NOUN
gujaf-108	60	116	structure	structure	NOUN
gujaf-108	60	117	,	,	PUNCT
gujaf-108	60	118	working	work	VERB
gujaf-108	60	119	capital	capital	NOUN
gujaf-108	60	120	management	management	NOUN
gujaf-108	60	121	,	,	PUNCT
gujaf-108	60	122	enterprises	enterprise	NOUN
gujaf-108	60	123	risk	risk	NOUN
gujaf-108	60	124	management	management	NOUN
gujaf-108	60	125	,	,	PUNCT
gujaf-108	60	126	entrepreneurship	entrepreneurship	NOUN
gujaf-108	60	127	,	,	PUNCT
gujaf-108	60	128	international	international	ADJ
gujaf-108	60	129	business	business	NOUN
gujaf-108	60	130	accounting	accounting	NOUN
gujaf-108	60	131	and	and	CCONJ
gujaf-108	60	132	finance	finance	NOUN
gujaf-108	60	133	,	,	PUNCT
gujaf-108	60	134	banking	banking	NOUN
gujaf-108	60	135	crises	crisis	NOUN
gujaf-108	60	136	,	,	PUNCT
gujaf-108	60	137	bank‟s	bank‟s	ADJ
gujaf-108	60	138	profitability	profitability	NOUN
gujaf-108	60	139	,	,	PUNCT
gujaf-108	60	140	risk	risk	NOUN
gujaf-108	60	141	and	and	CCONJ
gujaf-108	60	142	insurance	insurance	NOUN
gujaf-108	60	143	issue	issue	NOUN
gujaf-108	60	144	,	,	PUNCT
gujaf-108	60	145	islamic	islamic	ADJ
gujaf-108	60	146	finance	finance	NOUN
gujaf-108	60	147	,	,	PUNCT
gujaf-108	60	148	conventional	conventional	ADJ
gujaf-108	60	149	and	and	CCONJ
gujaf-108	60	150	islamic	islamic	ADJ
gujaf-108	60	151	banks	bank	NOUN
gujaf-108	60	152	and	and	CCONJ
gujaf-108	60	153	so	so	ADV
gujaf-108	60	154	forth	forth	ADV
gujaf-108	60	155	.	.	PUNCT
gujaf-108	61	1	guidelines	guideline	NOUN
gujaf-108	61	2	for	for	ADP
gujaf-108	61	3	submission	submission	NOUN
gujaf-108	61	4	and	and	CCONJ
gujaf-108	61	5	manuscript	manuscript	NOUN
gujaf-108	61	6	format	format	VERB
gujaf-108	61	7	the	the	DET
gujaf-108	61	8	submission	submission	NOUN
gujaf-108	61	9	language	language	NOUN
gujaf-108	61	10	is	be	AUX
gujaf-108	61	11	english	english	PROPN
gujaf-108	61	12	and	and	CCONJ
gujaf-108	61	13	must	must	AUX
gujaf-108	61	14	be	be	AUX
gujaf-108	61	15	a	a	DET
gujaf-108	61	16	well	well	ADV
gujaf-108	61	17	-	-	PUNCT
gujaf-108	61	18	researched	research	VERB
gujaf-108	61	19	original	original	ADJ
gujaf-108	61	20	manuscript	manuscript	NOUN
gujaf-108	61	21	that	that	PRON
gujaf-108	61	22	has	have	AUX
gujaf-108	61	23	not	not	PART
gujaf-108	61	24	previously	previously	ADV
gujaf-108	61	25	been	be	AUX
gujaf-108	61	26	submitted	submit	VERB
gujaf-108	61	27	elsewhere	elsewhere	ADV
gujaf-108	61	28	for	for	ADP
gujaf-108	61	29	publication	publication	NOUN
gujaf-108	61	30	.	.	PUNCT
gujaf-108	62	1	the	the	DET
gujaf-108	62	2	paper	paper	NOUN
gujaf-108	62	3	should	should	AUX
gujaf-108	62	4	not	not	PART
gujaf-108	62	5	exceed	exceed	VERB
gujaf-108	62	6	more	more	ADJ
gujaf-108	62	7	than	than	ADP
gujaf-108	62	8	15	15	NUM
gujaf-108	62	9	pages	page	NOUN
gujaf-108	62	10	on	on	ADP
gujaf-108	62	11	a4	a4	NOUN
gujaf-108	62	12	type	type	NOUN
gujaf-108	62	13	paper	paper	NOUN
gujaf-108	62	14	in	in	ADP
gujaf-108	62	15	ms	ms	ADJ
gujaf-108	62	16	-	-	PUNCT
gujaf-108	62	17	word	word	NOUN
gujaf-108	62	18	format	format	NOUN
gujaf-108	62	19	,	,	PUNCT
gujaf-108	62	20	1.5	1.5	NUM
gujaf-108	62	21	-	-	PUNCT
gujaf-108	62	22	line	line	NOUN
gujaf-108	62	23	spacing	spacing	NOUN
gujaf-108	62	24	,	,	PUNCT
gujaf-108	62	25	12	12	NUM
gujaf-108	62	26	font	font	NOUN
gujaf-108	62	27	size	size	NOUN
gujaf-108	62	28	in	in	ADP
gujaf-108	62	29	times	time	NOUN
gujaf-108	62	30	new	new	ADJ
gujaf-108	62	31	roman	roman	NOUN
gujaf-108	62	32	.	.	PUNCT
gujaf-108	63	1	manuscript	manuscript	NOUN
gujaf-108	63	2	should	should	AUX
gujaf-108	63	3	be	be	AUX
gujaf-108	63	4	tested	test	VERB
gujaf-108	63	5	for	for	ADP
gujaf-108	63	6	plagiarism	plagiarism	NOUN
gujaf-108	63	7	before	before	ADP
gujaf-108	63	8	submission	submission	NOUN
gujaf-108	63	9	,	,	PUNCT
gujaf-108	63	10	as	as	SCONJ
gujaf-108	63	11	the	the	DET
gujaf-108	63	12	maximum	maximum	ADJ
gujaf-108	63	13	similarity	similarity	NOUN
gujaf-108	63	14	index	index	NOUN
gujaf-108	63	15	acceptable	acceptable	ADJ
gujaf-108	63	16	by	by	ADP
gujaf-108	63	17	gujaf	gujaf	NOUN
gujaf-108	63	18	is	be	AUX
gujaf-108	63	19	25	25	NUM
gujaf-108	63	20	percent	percent	NOUN
gujaf-108	63	21	.	.	PUNCT
gujaf-108	64	1	furthermore	furthermore	ADV
gujaf-108	64	2	,	,	PUNCT
gujaf-108	64	3	the	the	DET
gujaf-108	64	4	length	length	NOUN
gujaf-108	64	5	of	of	ADP
gujaf-108	64	6	a	a	DET
gujaf-108	64	7	complete	complete	ADJ
gujaf-108	64	8	article	article	NOUN
gujaf-108	64	9	should	should	AUX
gujaf-108	64	10	not	not	PART
gujaf-108	64	11	exceed	exceed	VERB
gujaf-108	64	12	5000	5000	NUM
gujaf-108	64	13	words	word	NOUN
gujaf-108	64	14	including	include	VERB
gujaf-108	64	15	an	an	DET
gujaf-108	64	16	abstract	abstract	NOUN
gujaf-108	64	17	of	of	ADP
gujaf-108	64	18	not	not	PART
gujaf-108	64	19	more	more	ADJ
gujaf-108	64	20	than	than	ADP
gujaf-108	64	21	250	250	NUM
gujaf-108	64	22	words	word	NOUN
gujaf-108	64	23	with	with	ADP
gujaf-108	64	24	a	a	DET
gujaf-108	64	25	minimum	minimum	NOUN
gujaf-108	64	26	of	of	ADP
gujaf-108	64	27	four	four	NUM
gujaf-108	64	28	key	key	ADJ
gujaf-108	64	29	words	word	NOUN
gujaf-108	64	30	immediately	immediately	ADV
gujaf-108	64	31	after	after	ADP
gujaf-108	64	32	the	the	DET
gujaf-108	64	33	abstract	abstract	NOUN
gujaf-108	64	34	.	.	PUNCT
gujaf-108	65	1	all	all	DET
gujaf-108	65	2	references	reference	NOUN
gujaf-108	65	3	including	include	VERB
gujaf-108	65	4	in	in	ADP
gujaf-108	65	5	text	text	NOUN
gujaf-108	65	6	citation	citation	NOUN
gujaf-108	65	7	and	and	CCONJ
gujaf-108	65	8	reference	reference	NOUN
gujaf-108	65	9	list	list	NOUN
gujaf-108	65	10	,	,	PUNCT
gujaf-108	65	11	tables	table	NOUN
gujaf-108	65	12	and	and	CCONJ
gujaf-108	65	13	figures	figure	NOUN
gujaf-108	65	14	should	should	AUX
gujaf-108	65	15	be	be	AUX
gujaf-108	65	16	in	in	ADP
gujaf-108	65	17	line	line	NOUN
gujaf-108	65	18	with	with	ADP
gujaf-108	65	19	apa	apa	PROPN
gujaf-108	65	20	7	7	NUM
gujaf-108	65	21	th	th	X
gujaf-108	65	22	edition	edition	NOUN
gujaf-108	65	23	publication	publication	NOUN
gujaf-108	65	24	manual	manual	NOUN
gujaf-108	65	25	.	.	PUNCT
gujaf-108	66	1	finally	finally	ADV
gujaf-108	66	2	,	,	PUNCT
gujaf-108	66	3	manuscript	manuscript	NOUN
gujaf-108	66	4	should	should	AUX
gujaf-108	66	5	be	be	AUX
gujaf-108	66	6	send	send	VERB
gujaf-108	66	7	to	to	ADP
gujaf-108	66	8	our	our	PRON
gujaf-108	66	9	email	email	NOUN
gujaf-108	66	10	address	address	NOUN
gujaf-108	66	11	elfarouk105@gmail.com	elfarouk105@gmail.com	X
gujaf-108	66	12	and	and	CCONJ
gujaf-108	66	13	a	a	DET
gujaf-108	66	14	copy	copy	NOUN
gujaf-108	66	15	to	to	ADP
gujaf-108	66	16	our	our	PRON
gujaf-108	66	17	website	website	NOUN
gujaf-108	66	18	on	on	ADP
gujaf-108	66	19	journals.gujaf.com.ng	journals.gujaf.com.ng	PROPN
gujaf-108	66	20	http://www.gujaf.com.ng/	http://www.gujaf.com.ng/	PROPN
gujaf-108	66	21	vii	vii	PROPN
gujaf-108	66	22	publication	publication	NOUN
gujaf-108	66	23	procedure	procedure	NOUN
gujaf-108	66	24	after	after	ADP
gujaf-108	66	25	receiving	receive	VERB
gujaf-108	66	26	a	a	DET
gujaf-108	66	27	manuscript	manuscript	NOUN
gujaf-108	66	28	that	that	PRON
gujaf-108	66	29	is	be	AUX
gujaf-108	66	30	within	within	ADP
gujaf-108	66	31	the	the	DET
gujaf-108	66	32	similarity	similarity	NOUN
gujaf-108	66	33	index	index	NOUN
gujaf-108	66	34	threshold	threshold	NOUN
gujaf-108	66	35	,	,	PUNCT
gujaf-108	66	36	a	a	DET
gujaf-108	66	37	confirmation	confirmation	NOUN
gujaf-108	66	38	email	email	NOUN
gujaf-108	66	39	will	will	AUX
gujaf-108	66	40	be	be	AUX
gujaf-108	66	41	send	send	VERB
gujaf-108	66	42	together	together	ADV
gujaf-108	66	43	with	with	ADP
gujaf-108	66	44	a	a	DET
gujaf-108	66	45	request	request	NOUN
gujaf-108	66	46	to	to	PART
gujaf-108	66	47	pay	pay	VERB
gujaf-108	66	48	a	a	DET
gujaf-108	66	49	review	review	NOUN
gujaf-108	66	50	proceeding	proceeding	NOUN
gujaf-108	66	51	fee	fee	NOUN
gujaf-108	66	52	.	.	PUNCT
gujaf-108	67	1	at	at	ADP
gujaf-108	67	2	this	this	DET
gujaf-108	67	3	point	point	NOUN
gujaf-108	67	4	,	,	PUNCT
gujaf-108	67	5	the	the	DET
gujaf-108	67	6	editorial	editorial	ADJ
gujaf-108	67	7	board	board	NOUN
gujaf-108	67	8	will	will	AUX
gujaf-108	67	9	take	take	VERB
gujaf-108	67	10	a	a	DET
gujaf-108	67	11	decision	decision	NOUN
gujaf-108	67	12	on	on	ADP
gujaf-108	67	13	accepting	accept	VERB
gujaf-108	67	14	,	,	PUNCT
gujaf-108	67	15	rejecting	reject	VERB
gujaf-108	67	16	or	or	CCONJ
gujaf-108	67	17	making	make	VERB
gujaf-108	67	18	a	a	DET
gujaf-108	67	19	resubmission	resubmission	NOUN
gujaf-108	67	20	of	of	ADP
gujaf-108	67	21	the	the	DET
gujaf-108	67	22	manuscript	manuscript	NOUN
gujaf-108	67	23	based	base	VERB
gujaf-108	67	24	on	on	ADP
gujaf-108	67	25	the	the	DET
gujaf-108	67	26	outcome	outcome	NOUN
gujaf-108	67	27	of	of	ADP
gujaf-108	67	28	the	the	DET
gujaf-108	67	29	double	double	ADJ
gujaf-108	67	30	-	-	PUNCT
gujaf-108	67	31	blind	blind	ADJ
gujaf-108	67	32	peer	peer	NOUN
gujaf-108	67	33	review	review	NOUN
gujaf-108	67	34	.	.	PUNCT
gujaf-108	68	1	those	those	DET
gujaf-108	68	2	authors	author	NOUN
gujaf-108	68	3	whose	whose	DET
gujaf-108	68	4	manuscript	manuscript	NOUN
gujaf-108	68	5	were	be	AUX
gujaf-108	68	6	accepted	accept	VERB
gujaf-108	68	7	for	for	ADP
gujaf-108	68	8	publication	publication	NOUN
gujaf-108	68	9	will	will	AUX
gujaf-108	68	10	be	be	AUX
gujaf-108	68	11	asked	ask	VERB
gujaf-108	68	12	to	to	PART
gujaf-108	68	13	pay	pay	VERB
gujaf-108	68	14	a	a	DET
gujaf-108	68	15	publication	publication	NOUN
gujaf-108	68	16	fee	fee	NOUN
gujaf-108	68	17	,	,	PUNCT
gujaf-108	68	18	after	after	ADP
gujaf-108	68	19	effecting	effect	VERB
gujaf-108	68	20	all	all	DET
gujaf-108	68	21	suggested	suggest	VERB
gujaf-108	68	22	corrections	correction	NOUN
gujaf-108	68	23	and	and	CCONJ
gujaf-108	68	24	changes	change	NOUN
gujaf-108	68	25	made	make	VERB
gujaf-108	68	26	on	on	ADP
gujaf-108	68	27	the	the	DET
gujaf-108	68	28	manuscript	manuscript	NOUN
gujaf-108	68	29	.	.	PUNCT
gujaf-108	69	1	all	all	DET
gujaf-108	69	2	corrected	correct	VERB
gujaf-108	69	3	papers	paper	NOUN
gujaf-108	69	4	returned	return	VERB
gujaf-108	69	5	within	within	ADP
gujaf-108	69	6	the	the	DET
gujaf-108	69	7	specified	specify	VERB
gujaf-108	69	8	time	time	NOUN
gujaf-108	69	9	frame	frame	NOUN
gujaf-108	69	10	will	will	AUX
gujaf-108	69	11	be	be	AUX
gujaf-108	69	12	published	publish	VERB
gujaf-108	69	13	in	in	ADP
gujaf-108	69	14	that	that	DET
gujaf-108	69	15	issue	issue	NOUN
gujaf-108	69	16	.	.	PUNCT
gujaf-108	70	1	payment	payment	NOUN
gujaf-108	70	2	details	detail	NOUN
gujaf-108	70	3	bank	bank	NOUN
gujaf-108	70	4	:	:	PUNCT
gujaf-108	70	5	fcmb	fcmb	PROPN
gujaf-108	70	6	account	account	PROPN
gujaf-108	70	7	number	number	NOUN
gujaf-108	70	8	:	:	PUNCT
gujaf-108	70	9	7278465011	7278465011	NUM
gujaf-108	70	10	account	account	NOUN
gujaf-108	70	11	name	name	NOUN
gujaf-108	70	12	:	:	PUNCT
gujaf-108	70	13	gusau	gusau	PROPN
gujaf-108	70	14	journal	journal	NOUN
gujaf-108	70	15	of	of	ADP
gujaf-108	70	16	accounting	accounting	NOUN
gujaf-108	70	17	and	and	CCONJ
gujaf-108	70	18	finance	finance	NOUN
gujaf-108	70	19	for	for	ADP
gujaf-108	70	20	inquiry	inquiry	NOUN
gujaf-108	70	21	the	the	DET
gujaf-108	70	22	head	head	NOUN
gujaf-108	70	23	,	,	PUNCT
gujaf-108	70	24	department	department	NOUN
gujaf-108	70	25	of	of	ADP
gujaf-108	70	26	accounting	accounting	NOUN
gujaf-108	70	27	and	and	CCONJ
gujaf-108	70	28	finance	finance	NOUN
gujaf-108	70	29	,	,	PUNCT
gujaf-108	70	30	federal	federal	ADJ
gujaf-108	70	31	university	university	NOUN
gujaf-108	70	32	gusau	gusau	PROPN
gujaf-108	70	33	,	,	PUNCT
gujaf-108	70	34	zamfara	zamfara	PROPN
gujaf-108	70	35	state	state	PROPN
gujaf-108	70	36	.	.	PUNCT
gujaf-108	71	1	elfarouk105@gmail.com	elfarouk105@gmail.com	X
gujaf-108	72	1	+2348069393824	+2348069393824	PRON
gujaf-108	72	2	for	for	ADP
gujaf-108	72	3	more	more	ADJ
gujaf-108	72	4	information	information	NOUN
gujaf-108	72	5	,	,	PUNCT
gujaf-108	72	6	contact	contact	VERB
gujaf-108	72	7	the	the	DET
gujaf-108	72	8	editor	editor	NOUN
gujaf-108	72	9	-	-	PUNCT
gujaf-108	72	10	in	in	ADP
gujaf-108	72	11	-	-	PUNCT
gujaf-108	72	12	chief	chief	NOUN
gujaf-108	72	13	on	on	ADP
gujaf-108	72	14	+2348067766435	+2348067766435	NUM
gujaf-108	72	15	the	the	DET
gujaf-108	72	16	associate	associate	ADJ
gujaf-108	72	17	editor	editor	NOUN
gujaf-108	72	18	on	on	ADP
gujaf-108	72	19	+2348036057525	+2348036057525	NUM
gujaf-108	72	20	or	or	CCONJ
gujaf-108	72	21	visit	visit	VERB
gujaf-108	72	22	our	our	PRON
gujaf-108	72	23	website	website	NOUN
gujaf-108	72	24	on	on	ADP
gujaf-108	72	25	www.gujaf.com.ng	www.gujaf.com.ng	NOUN
gujaf-108	72	26	or	or	CCONJ
gujaf-108	72	27	journals.gujaf.com.ng	journals.gujaf.com.ng	VERB
gujaf-108	72	28	http://www.gujaf.com.ng/	http://www.gujaf.com.ng/	PROPN
gujaf-108	72	29	http://www.gujaf.com.ng/	http://www.gujaf.com.ng/	PROPN
gujaf-108	72	30	viii	viii	ADJ
gujaf-108	72	31	contents	content	NOUN
gujaf-108	72	32	mediating	mediate	VERB
gujaf-108	72	33	effect	effect	NOUN
gujaf-108	72	34	of	of	ADP
gujaf-108	72	35	audit	audit	NOUN
gujaf-108	72	36	committee	committee	NOUN
gujaf-108	72	37	on	on	ADP
gujaf-108	72	38	board	board	PROPN
gujaf-108	72	39	dynamic	dynamic	ADJ
gujaf-108	72	40	and	and	CCONJ
gujaf-108	72	41	creative	creative	ADJ
gujaf-108	72	42	accounting	accounting	NOUN
gujaf-108	72	43	in	in	ADP
gujaf-108	72	44	nigerian	nigerian	ADJ
gujaf-108	72	45	firms	firm	NOUN
gujaf-108	72	46	abbas	abbas	PROPN
gujaf-108	72	47	usman	usman	PROPN
gujaf-108	72	48	phd	phd	PROPN
gujaf-108	72	49	,	,	PUNCT
gujaf-108	72	50	shehu	shehu	PROPN
gujaf-108	72	51	usman	usman	PROPN
gujaf-108	72	52	hassan	hassan	PROPN
gujaf-108	72	53	phd	phd	PROPN
gujaf-108	72	54	1	1	NUM
gujaf-108	72	55	financial	financial	ADJ
gujaf-108	72	56	performance	performance	NOUN
gujaf-108	72	57	of	of	ADP
gujaf-108	72	58	banks	bank	NOUN
gujaf-108	72	59	in	in	ADP
gujaf-108	72	60	selected	select	VERB
gujaf-108	72	61	african	african	ADJ
gujaf-108	72	62	countries	country	NOUN
gujaf-108	72	63	:	:	PUNCT
gujaf-108	72	64	does	do	VERB
gujaf-108	72	65	institutional	institutional	ADJ
gujaf-108	72	66	quality	quality	NOUN
gujaf-108	72	67	matter	matter	NOUN
gujaf-108	72	68	?	?	PUNCT
gujaf-108	73	1	toluwa	toluwa	PROPN
gujaf-108	73	2	celestine	celestine	PROPN
gujaf-108	73	3	oladele	oladele	PROPN
gujaf-108	73	4	phd	phd	PROPN
gujaf-108	73	5	,	,	PUNCT
gujaf-108	73	6	peters	peters	PROPN
gujaf-108	73	7	ade	ade	PROPN
gujaf-108	73	8	sanni	sanni	PROPN
gujaf-108	73	9	22	22	NUM
gujaf-108	73	10	firm	firm	ADJ
gujaf-108	73	11	-	-	PUNCT
gujaf-108	73	12	specific	specific	ADJ
gujaf-108	73	13	characteristcs	characteristcs	NOUN
gujaf-108	73	14	and	and	CCONJ
gujaf-108	73	15	financial	financial	ADJ
gujaf-108	73	16	performance	performance	NOUN
gujaf-108	73	17	of	of	ADP
gujaf-108	73	18	listed	list	VERB
gujaf-108	73	19	agricultural	agricultural	ADJ
gujaf-108	73	20	companies	company	NOUN
gujaf-108	73	21	in	in	ADP
gujaf-108	73	22	nigeria	nigeria	PROPN
gujaf-108	73	23	abdulrazaq	abdulrazaq	PROPN
gujaf-108	73	24	t.	t.	PROPN
gujaf-108	73	25	jimoh	jimoh	PROPN
gujaf-108	73	26	,	,	PUNCT
gujaf-108	73	27	john	john	PROPN
gujaf-108	73	28	a.	a.	PROPN
gujaf-108	73	29	attah	attah	PROPN
gujaf-108	74	1	33	33	NUM
gujaf-108	74	2	effect	effect	NOUN
gujaf-108	74	3	of	of	ADP
gujaf-108	74	4	financial	financial	ADJ
gujaf-108	74	5	leverage	leverage	NOUN
gujaf-108	74	6	on	on	ADP
gujaf-108	74	7	stock	stock	NOUN
gujaf-108	74	8	returns	return	NOUN
gujaf-108	74	9	of	of	ADP
gujaf-108	74	10	listed	list	VERB
gujaf-108	74	11	companies	company	NOUN
gujaf-108	74	12	in	in	ADP
gujaf-108	74	13	nigeria	nigeria	PROPN
gujaf-108	74	14	capital	capital	PROPN
gujaf-108	74	15	market	market	PROPN
gujaf-108	74	16	abdulrahman	abdulrahman	PROPN
gujaf-108	74	17	abubakar	abubakar	PROPN
gujaf-108	74	18	,	,	PUNCT
gujaf-108	74	19	prof	prof	PROPN
gujaf-108	74	20	.	.	PUNCT
gujaf-108	75	1	ahmad	ahmad	PROPN
gujaf-108	75	2	bello	bello	PROPN
gujaf-108	75	3	,	,	PUNCT
gujaf-108	75	4	prof	prof	PROPN
gujaf-108	75	5	.	.	PUNCT
gujaf-108	75	6	s.	s.	PROPN
gujaf-108	75	7	a.	a.	PROPN
gujaf-108	75	8	abdullahi	abdullahi	PROPN
gujaf-108	75	9	,	,	PUNCT
gujaf-108	75	10	dr	dr	PROPN
gujaf-108	75	11	.	.	PROPN
gujaf-108	75	12	m.	m.	PROPN
gujaf-108	75	13	d.	d.	PROPN
gujaf-108	75	14	tahir	tahir	PROPN
gujaf-108	75	15	45	45	NUM
gujaf-108	75	16	efficiency	efficiency	NOUN
gujaf-108	75	17	of	of	ADP
gujaf-108	75	18	deposit	deposit	NOUN
gujaf-108	75	19	money	money	NOUN
gujaf-108	75	20	banks	bank	NOUN
gujaf-108	75	21	in	in	ADP
gujaf-108	75	22	nigeria	nigeria	PROPN
gujaf-108	75	23	:	:	PUNCT
gujaf-108	75	24	data	datum	NOUN
gujaf-108	75	25	envelopment	envelopment	ADJ
gujaf-108	75	26	analysis	analysis	NOUN
gujaf-108	75	27	approach	approach	NOUN
gujaf-108	75	28	mayowa	mayowa	PROPN
gujaf-108	75	29	gabriel	gabriel	PROPN
gujaf-108	75	30	ajao	ajao	PROPN
gujaf-108	75	31	,	,	PUNCT
gujaf-108	75	32	phd	phd	NOUN
gujaf-108	75	33	,	,	PUNCT
gujaf-108	75	34	lucky	lucky	ADJ
gujaf-108	75	35	charity	charity	NOUN
gujaf-108	75	36	omoregie	omoregie	PROPN
gujaf-108	75	37	,	,	PUNCT
gujaf-108	75	38	phd	phd	NOUN
gujaf-108	75	39	57	57	NUM
gujaf-108	75	40	credit	credit	NOUN
gujaf-108	75	41	appraisal	appraisal	NOUN
gujaf-108	75	42	,	,	PUNCT
gujaf-108	75	43	collection	collection	NOUN
gujaf-108	75	44	policy	policy	NOUN
gujaf-108	75	45	and	and	CCONJ
gujaf-108	75	46	loan	loan	NOUN
gujaf-108	75	47	performance	performance	NOUN
gujaf-108	75	48	of	of	ADP
gujaf-108	75	49	microfinance	microfinance	NOUN
gujaf-108	75	50	banks	bank	NOUN
gujaf-108	75	51	in	in	ADP
gujaf-108	75	52	kwara	kwara	PROPN
gujaf-108	75	53	state	state	PROPN
gujaf-108	75	54	,	,	PUNCT
gujaf-108	75	55	nigeria	nigeria	PROPN
gujaf-108	75	56	lukman	lukman	PROPN
gujaf-108	75	57	a.	a.	PROPN
gujaf-108	75	58	o.	o.	PROPN
gujaf-108	75	59	abdulrauf	abdulrauf	PROPN
gujaf-108	75	60	69	69	NUM
gujaf-108	75	61	environmental	environmental	ADJ
gujaf-108	75	62	sustainability	sustainability	NOUN
gujaf-108	75	63	disclosure	disclosure	NOUN
gujaf-108	75	64	and	and	CCONJ
gujaf-108	75	65	market	market	NOUN
gujaf-108	75	66	value	value	NOUN
gujaf-108	75	67	of	of	ADP
gujaf-108	75	68	listed	list	VERB
gujaf-108	75	69	oil	oil	NOUN
gujaf-108	75	70	and	and	CCONJ
gujaf-108	75	71	gas	gas	NOUN
gujaf-108	75	72	firms	firm	NOUN
gujaf-108	75	73	in	in	ADP
gujaf-108	75	74	nigeria	nigeria	PROPN
gujaf-108	75	75	munir	munir	PROPN
gujaf-108	75	76	aliyu	aliyu	PROPN
gujaf-108	75	77	saleh	saleh	PROPN
gujaf-108	75	78	,	,	PUNCT
gujaf-108	75	79	sirajo	sirajo	PROPN
gujaf-108	75	80	bappah	bappah	PROPN
gujaf-108	75	81	,	,	PUNCT
gujaf-108	75	82	prof	prof	PROPN
gujaf-108	75	83	.	.	PUNCT
gujaf-108	76	1	gbegi	gbegi	PROPN
gujaf-108	76	2	daniel	daniel	PROPN
gujaf-108	76	3	orsaa	orsaa	PROPN
gujaf-108	76	4	,	,	PUNCT
gujaf-108	76	5	ibrahim	ibrahim	PROPN
gujaf-108	76	6	adamu	adamu	PROPN
gujaf-108	76	7	saleh	saleh	PROPN
gujaf-108	76	8	phd	phd	PROPN
gujaf-108	76	9	81	81	NUM
gujaf-108	76	10	audit	audit	NOUN
gujaf-108	76	11	quality	quality	NOUN
gujaf-108	76	12	,	,	PUNCT
gujaf-108	76	13	tenure	tenure	NOUN
gujaf-108	76	14	and	and	CCONJ
gujaf-108	76	15	real	real	ADJ
gujaf-108	76	16	earnings	earning	NOUN
gujaf-108	76	17	management	management	NOUN
gujaf-108	76	18	of	of	ADP
gujaf-108	76	19	listed	list	VERB
gujaf-108	76	20	nonfinancial	nonfinancial	ADJ
gujaf-108	76	21	firms	firm	NOUN
gujaf-108	76	22	in	in	ADP
gujaf-108	76	23	nigeria	nigeria	PROPN
gujaf-108	76	24	ahmed	ahmed	PROPN
gujaf-108	76	25	mohammed	mohammed	PROPN
gujaf-108	76	26	,	,	PUNCT
gujaf-108	76	27	ademu	ademu	PROPN
gujaf-108	76	28	yahaya	yahaya	PROPN
gujaf-108	76	29	,	,	PUNCT
gujaf-108	76	30	musa	musa	PROPN
gujaf-108	76	31	zakariya	zakariya	PROPN
gujaf-108	76	32	95	95	NUM
gujaf-108	76	33	effect	effect	NOUN
gujaf-108	76	34	of	of	ADP
gujaf-108	76	35	ceo	ceo	NOUN
gujaf-108	76	36	pay	pay	NOUN
gujaf-108	76	37	and	and	CCONJ
gujaf-108	76	38	ceo	ceo	NOUN
gujaf-108	76	39	power	power	NOUN
gujaf-108	76	40	on	on	ADP
gujaf-108	76	41	risk	risk	NOUN
gujaf-108	76	42	-	-	PUNCT
gujaf-108	76	43	taking	taking	NOUN
gujaf-108	76	44	of	of	ADP
gujaf-108	76	45	listed	list	VERB
gujaf-108	76	46	deposit	deposit	NOUN
gujaf-108	76	47	money	money	NOUN
gujaf-108	76	48	banks	bank	NOUN
gujaf-108	76	49	in	in	ADP
gujaf-108	76	50	nigeria	nigeria	PROPN
gujaf-108	76	51	ismaila	ismaila	PROPN
gujaf-108	76	52	yusuf	yusuf	PROPN
gujaf-108	76	53	,	,	PUNCT
gujaf-108	76	54	dr	dr	PROPN
gujaf-108	76	55	.	.	PROPN
gujaf-108	76	56	salisu	salisu	PROPN
gujaf-108	76	57	abubakar	abubakar	PROPN
gujaf-108	76	58	,	,	PUNCT
gujaf-108	76	59	dr	dr	PROPN
gujaf-108	76	60	.	.	PROPN
gujaf-108	76	61	idris	idris	PROPN
gujaf-108	76	62	ahmed	ahmed	PROPN
gujaf-108	76	63	aliyu	aliyu	PROPN
gujaf-108	76	64	,	,	PUNCT
gujaf-108	76	65	dr	dr	PROPN
gujaf-108	76	66	.	.	PROPN
gujaf-108	76	67	(	(	PUNCT
gujaf-108	76	68	mrs	mrs	PROPN
gujaf-108	76	69	)	)	PUNCT
gujaf-108	76	70	aneitie	aneitie	PROPN
gujaf-108	76	71	charles	charles	PROPN
gujaf-108	76	72	dikki	dikki	PROPN
gujaf-108	76	73	104	104	NUM
gujaf-108	76	74	nexus	nexus	NOUN
gujaf-108	76	75	between	between	ADP
gujaf-108	76	76	taxation	taxation	NOUN
gujaf-108	76	77	and	and	CCONJ
gujaf-108	76	78	foreign	foreign	ADJ
gujaf-108	76	79	direct	direct	ADJ
gujaf-108	76	80	investment	investment	NOUN
gujaf-108	76	81	in	in	ADP
gujaf-108	76	82	nigeria	nigeria	PROPN
gujaf-108	76	83	daniel	daniel	PROPN
gujaf-108	76	84	ayegbeni	ayegbeni	PROPN
gujaf-108	76	85	ulokoaga	ulokoaga	PROPN
gujaf-108	76	86	,	,	PUNCT
gujaf-108	76	87	esther	esther	PROPN
gujaf-108	76	88	ikavbo	ikavbo	PROPN
gujaf-108	76	89	evbayiro	evbayiro	NOUN
gujaf-108	76	90	-	-	PUNCT
gujaf-108	76	91	osagie	osagie	NOUN
gujaf-108	76	92	(	(	PUNCT
gujaf-108	76	93	mrs	mrs	PROPN
gujaf-108	76	94	)	)	PUNCT
gujaf-108	76	95	,	,	PUNCT
gujaf-108	76	96	ph	ph	PROPN
gujaf-108	76	97	.	.	PROPN
gujaf-108	76	98	d	d	PROPN
gujaf-108	76	99	115	115	NUM
gujaf-108	76	100	working	working	NOUN
gujaf-108	76	101	capital	capital	NOUN
gujaf-108	76	102	management	management	NOUN
gujaf-108	76	103	and	and	CCONJ
gujaf-108	76	104	profitability	profitability	NOUN
gujaf-108	76	105	of	of	ADP
gujaf-108	76	106	listed	list	VERB
gujaf-108	76	107	consumer	consumer	NOUN
gujaf-108	76	108	and	and	CCONJ
gujaf-108	76	109	industrial	industrial	ADJ
gujaf-108	76	110	goods	good	NOUN
gujaf-108	76	111	companies	company	NOUN
gujaf-108	76	112	in	in	ADP
gujaf-108	76	113	nigeria	nigeria	PROPN
gujaf-108	76	114	kwasau	kwasau	PROPN
gujaf-108	76	115	ntyak	ntyak	PROPN
gujaf-108	76	116	leah	leah	PROPN
gujaf-108	76	117	,	,	PUNCT
gujaf-108	76	118	samuel	samuel	PROPN
gujaf-108	76	119	eniola	eniola	PROPN
gujaf-108	76	120	agbi	agbi	PROPN
gujaf-108	76	121	phd	phd	PROPN
gujaf-108	76	122	,	,	PUNCT
gujaf-108	76	123	lateef	lateef	PROPN
gujaf-108	76	124	olumide	olumide	PROPN
gujaf-108	76	125	mustapha	mustapha	PROPN
gujaf-108	76	126	phd	phd	PROPN
gujaf-108	76	127	125	125	NUM
gujaf-108	76	128	value	value	NOUN
gujaf-108	76	129	relevance	relevance	NOUN
gujaf-108	76	130	of	of	ADP
gujaf-108	76	131	earnings	earning	NOUN
gujaf-108	76	132	and	and	CCONJ
gujaf-108	76	133	book	book	NOUN
gujaf-108	76	134	value	value	NOUN
gujaf-108	76	135	:	:	PUNCT
gujaf-108	76	136	a	a	DET
gujaf-108	76	137	comparative	comparative	ADJ
gujaf-108	76	138	analysis	analysis	NOUN
gujaf-108	76	139	between	between	ADP
gujaf-108	76	140	big4	big4	NOUN
gujaf-108	76	141	and	and	CCONJ
gujaf-108	76	142	non	non	ADJ
gujaf-108	76	143	-	-	ADJ
gujaf-108	76	144	big4	big4	ADJ
gujaf-108	76	145	audited	audit	VERB
gujaf-108	76	146	listed	list	VERB
gujaf-108	76	147	firms	firm	NOUN
gujaf-108	76	148	in	in	ADP
gujaf-108	76	149	nigeria	nigeria	PROPN
gujaf-108	76	150	abdu	abdu	PROPN
gujaf-108	76	151	abubakar	abubakar	PROPN
gujaf-108	76	152	,	,	PUNCT
gujaf-108	76	153	ishaya	ishaya	PROPN
gujaf-108	76	154	luka	luka	PROPN
gujaf-108	76	155	chechet	chechet	PROPN
gujaf-108	76	156	phd	phd	PROPN
gujaf-108	76	157	,	,	PUNCT
gujaf-108	76	158	muazu	muazu	ADJ
gujaf-108	76	159	saidu	saidu	PROPN
gujaf-108	76	160	badara	badara	PROPN
gujaf-108	76	161	phd	phd	NOUN
gujaf-108	76	162	,	,	PUNCT
gujaf-108	76	163	yunusa	yunusa	PROPN
gujaf-108	76	164	nasiru	nasiru	PROPN
gujaf-108	76	165	phd	phd	PROPN
gujaf-108	76	166	136	136	NUM
gujaf-108	76	167	ix	ix	ADP
gujaf-108	76	168	value	value	NOUN
gujaf-108	76	169	relevance	relevance	NOUN
gujaf-108	76	170	of	of	ADP
gujaf-108	76	171	international	international	ADJ
gujaf-108	76	172	financial	financial	ADJ
gujaf-108	76	173	reporting	reporting	NOUN
gujaf-108	76	174	standard	standard	NOUN
gujaf-108	76	175	4	4	NUM
gujaf-108	76	176	(	(	PUNCT
gujaf-108	76	177	ifrs	ifrs	NOUN
gujaf-108	76	178	4	4	NUM
gujaf-108	76	179	)	)	PUNCT
gujaf-108	76	180	of	of	ADP
gujaf-108	76	181	listed	list	VERB
gujaf-108	76	182	nigerian	nigerian	ADJ
gujaf-108	76	183	insurance	insurance	NOUN
gujaf-108	76	184	firms	firm	NOUN
gujaf-108	76	185	mariya	mariya	PROPN
gujaf-108	76	186	mohammed	mohammed	PROPN
gujaf-108	76	187	hafiz	hafiz	PROPN
gujaf-108	76	188	,	,	PUNCT
gujaf-108	76	189	muhammad	muhammad	PROPN
gujaf-108	76	190	mustapha	mustapha	PROPN
gujaf-108	76	191	bagudo	bagudo	PROPN
gujaf-108	76	192	phd	phd	PROPN
gujaf-108	76	193	,	,	PUNCT
gujaf-108	76	194	salisu	salisu	ADJ
gujaf-108	76	195	abubakar	abubakar	PROPN
gujaf-108	76	196	phd	phd	NOUN
gujaf-108	76	197	145	145	NUM
gujaf-108	76	198	determinants	determinant	NOUN
gujaf-108	76	199	of	of	ADP
gujaf-108	76	200	audit	audit	NOUN
gujaf-108	76	201	fees	fee	NOUN
gujaf-108	76	202	of	of	ADP
gujaf-108	76	203	listed	list	VERB
gujaf-108	76	204	insurance	insurance	NOUN
gujaf-108	76	205	companies	company	NOUN
gujaf-108	76	206	in	in	ADP
gujaf-108	76	207	nigeria	nigeria	PROPN
gujaf-108	76	208	sagir	sagir	PROPN
gujaf-108	76	209	lawal	lawal	PROPN
gujaf-108	76	210	,	,	PUNCT
gujaf-108	76	211	phd	phd	NOUN
gujaf-108	76	212	,	,	PUNCT
gujaf-108	76	213	mohammed	mohammed	PROPN
gujaf-108	76	214	ibrahim	ibrahim	PROPN
gujaf-108	76	215	,	,	PUNCT
gujaf-108	76	216	phd	phd	NOUN
gujaf-108	76	217	158	158	NUM
gujaf-108	76	218	taxation	taxation	NOUN
gujaf-108	76	219	and	and	CCONJ
gujaf-108	76	220	social	social	ADJ
gujaf-108	76	221	services	service	NOUN
gujaf-108	76	222	:	:	PUNCT
gujaf-108	76	223	evidence	evidence	NOUN
gujaf-108	76	224	from	from	ADP
gujaf-108	76	225	nigeria	nigeria	PROPN
gujaf-108	76	226	adegbite	adegbite	PROPN
gujaf-108	76	227	,	,	PUNCT
gujaf-108	76	228	tajudeen	tajudeen	NOUN
gujaf-108	76	229	adejare	adejare	NOUN
gujaf-108	76	230	,	,	PUNCT
gujaf-108	76	231	phd	phd	NOUN
gujaf-108	76	232	,	,	PUNCT
gujaf-108	76	233	abdussamad	abdussamad	PROPN
gujaf-108	76	234	,	,	PUNCT
gujaf-108	76	235	olarinde	olarinde	VERB
gujaf-108	76	236	171	171	NUM
gujaf-108	76	237	ownership	ownership	NOUN
gujaf-108	76	238	structure	structure	NOUN
gujaf-108	76	239	and	and	CCONJ
gujaf-108	76	240	financial	financial	ADJ
gujaf-108	76	241	performance	performance	NOUN
gujaf-108	76	242	of	of	ADP
gujaf-108	76	243	quoted	quote	VERB
gujaf-108	76	244	mortgage	mortgage	NOUN
gujaf-108	76	245	banks	bank	NOUN
gujaf-108	76	246	in	in	ADP
gujaf-108	76	247	nigeria	nigeria	PROPN
gujaf-108	76	248	awotundun	awotundun	PROPN
gujaf-108	76	249	,	,	PUNCT
gujaf-108	76	250	d.	d.	PROPN
gujaf-108	76	251	a.	a.	PROPN
gujaf-108	76	252	,	,	PUNCT
gujaf-108	76	253	phd	phd	NOUN
gujaf-108	76	254	,	,	PUNCT
gujaf-108	76	255	jinadu	jinadu	ADJ
gujaf-108	76	256	,	,	PUNCT
gujaf-108	76	257	m.	m.	PROPN
gujaf-108	76	258	y.	y.	PROPN
gujaf-108	76	259	b.	b.	PROPN
gujaf-108	76	260	,	,	PUNCT
gujaf-108	76	261	fakunmoju	fakunmoju	PROPN
gujaf-108	76	262	,	,	PUNCT
gujaf-108	76	263	s.	s.	PROPN
gujaf-108	76	264	k.	k.	PROPN
gujaf-108	76	265	,	,	PUNCT
gujaf-108	76	266	phd	phd	PROPN
gujaf-108	76	267	.	.	PROPN
gujaf-108	76	268	183	183	NUM
gujaf-108	76	269	capital	capital	NOUN
gujaf-108	76	270	structure	structure	NOUN
gujaf-108	76	271	and	and	CCONJ
gujaf-108	76	272	profitability	profitability	NOUN
gujaf-108	76	273	of	of	ADP
gujaf-108	76	274	listed	list	VERB
gujaf-108	76	275	deposit	deposit	NOUN
gujaf-108	76	276	money	money	NOUN
gujaf-108	76	277	banks	bank	NOUN
gujaf-108	76	278	in	in	ADP
gujaf-108	76	279	nigeria	nigeria	PROPN
gujaf-108	76	280	rahji	rahji	PROPN
gujaf-108	76	281	ohize	ohize	PROPN
gujaf-108	76	282	ibrahim	ibrahim	PROPN
gujaf-108	76	283	,	,	PUNCT
gujaf-108	76	284	kamaldeen	kamaldeen	VERB
gujaf-108	76	285	ibraheem	ibraheem	PROPN
gujaf-108	76	286	nageri	nageri	PROPN
gujaf-108	76	287	,	,	PUNCT
gujaf-108	76	288	phd	phd	NOUN
gujaf-108	76	289	,	,	PUNCT
gujaf-108	76	290	abdullai	abdullai	NOUN
gujaf-108	76	291	agbaje	agbaje	NOUN
gujaf-108	76	292	salami	salami	NOUN
gujaf-108	76	293	,	,	PUNCT
gujaf-108	76	294	phd	phd	NOUN
gujaf-108	76	295	194	194	NUM
gujaf-108	76	296	1	1	NUM
gujaf-108	76	297	credit	credit	NOUN
gujaf-108	76	298	appraisal	appraisal	NOUN
gujaf-108	76	299	,	,	PUNCT
gujaf-108	76	300	collection	collection	NOUN
gujaf-108	76	301	policy	policy	NOUN
gujaf-108	76	302	and	and	CCONJ
gujaf-108	76	303	loan	loan	NOUN
gujaf-108	76	304	performance	performance	NOUN
gujaf-108	76	305	of	of	ADP
gujaf-108	76	306	microfinance	microfinance	NOUN
gujaf-108	76	307	banks	bank	NOUN
gujaf-108	76	308	in	in	ADP
gujaf-108	76	309	kwara	kwara	PROPN
gujaf-108	76	310	state	state	PROPN
gujaf-108	76	311	,	,	PUNCT
gujaf-108	76	312	nigeria	nigeria	PROPN
gujaf-108	76	313	lukman	lukman	PROPN
gujaf-108	76	314	a.	a.	PROPN
gujaf-108	76	315	o.	o.	PROPN
gujaf-108	76	316	abdulrauf	abdulrauf	PROPN
gujaf-108	76	317	department	department	PROPN
gujaf-108	76	318	of	of	ADP
gujaf-108	76	319	accounting	accounting	NOUN
gujaf-108	76	320	and	and	CCONJ
gujaf-108	76	321	finance	finance	PROPN
gujaf-108	76	322	kwara	kwara	PROPN
gujaf-108	76	323	state	state	PROPN
gujaf-108	76	324	university	university	PROPN
gujaf-108	76	325	,	,	PUNCT
gujaf-108	76	326	malete	malete	NOUN
gujaf-108	76	327	,	,	PUNCT
gujaf-108	76	328	nigeria	nigeria	PROPN
gujaf-108	76	329	okelukman2003@yahoo.com	okelukman2003@yahoo.com	PROPN
gujaf-108	77	1	abdul	abdul	PROPN
gujaf-108	77	2	olalekan	olalekan	PROPN
gujaf-108	77	3	hassan	hassan	PROPN
gujaf-108	77	4	department	department	PROPN
gujaf-108	77	5	of	of	ADP
gujaf-108	77	6	accountancy	accountancy	PROPN
gujaf-108	77	7	,	,	PUNCT
gujaf-108	77	8	kwara	kwara	PROPN
gujaf-108	77	9	state	state	PROPN
gujaf-108	77	10	polytechnics	polytechnics	PROPN
gujaf-108	77	11	,	,	PUNCT
gujaf-108	77	12	ilorin	ilorin	NOUN
gujaf-108	77	13	abstract	abstract	VERB
gujaf-108	77	14	the	the	DET
gujaf-108	77	15	arrival	arrival	NOUN
gujaf-108	77	16	of	of	ADP
gujaf-108	77	17	microfinance	microfinance	NOUN
gujaf-108	77	18	banks	bank	NOUN
gujaf-108	77	19	as	as	ADP
gujaf-108	77	20	another	another	DET
gujaf-108	77	21	channel	channel	NOUN
gujaf-108	77	22	to	to	PART
gujaf-108	77	23	mainstream	mainstream	VERB
gujaf-108	77	24	the	the	DET
gujaf-108	77	25	provision	provision	NOUN
gujaf-108	77	26	of	of	ADP
gujaf-108	77	27	financial	financial	ADJ
gujaf-108	77	28	services	service	NOUN
gujaf-108	77	29	has	have	AUX
gujaf-108	77	30	become	become	VERB
gujaf-108	77	31	a	a	DET
gujaf-108	77	32	major	major	ADJ
gujaf-108	77	33	succour	succour	NOUN
gujaf-108	77	34	.	.	PUNCT
gujaf-108	78	1	yet	yet	ADV
gujaf-108	78	2	,	,	PUNCT
gujaf-108	78	3	the	the	DET
gujaf-108	78	4	banks	bank	NOUN
gujaf-108	78	5	encountered	encounter	VERB
gujaf-108	78	6	high	high	ADJ
gujaf-108	78	7	risk	risk	NOUN
gujaf-108	78	8	of	of	ADP
gujaf-108	78	9	default	default	NOUN
gujaf-108	78	10	which	which	PRON
gujaf-108	78	11	is	be	AUX
gujaf-108	78	12	not	not	PART
gujaf-108	78	13	unconnected	unconnected	ADJ
gujaf-108	78	14	with	with	ADP
gujaf-108	78	15	the	the	DET
gujaf-108	78	16	peculiarities	peculiarity	NOUN
gujaf-108	78	17	in	in	ADP
gujaf-108	78	18	its	its	PRON
gujaf-108	78	19	lending	lending	NOUN
gujaf-108	78	20	policies	policy	NOUN
gujaf-108	78	21	.	.	PUNCT
gujaf-108	79	1	in	in	ADP
gujaf-108	79	2	view	view	NOUN
gujaf-108	79	3	of	of	ADP
gujaf-108	79	4	this	this	PRON
gujaf-108	79	5	,	,	PUNCT
gujaf-108	79	6	the	the	DET
gujaf-108	79	7	study	study	NOUN
gujaf-108	79	8	examines	examine	VERB
gujaf-108	79	9	the	the	DET
gujaf-108	79	10	effect	effect	NOUN
gujaf-108	79	11	of	of	ADP
gujaf-108	79	12	credit	credit	NOUN
gujaf-108	79	13	appraisal	appraisal	NOUN
gujaf-108	79	14	policy	policy	NOUN
gujaf-108	79	15	and	and	CCONJ
gujaf-108	79	16	credit	credit	NOUN
gujaf-108	79	17	collection	collection	NOUN
gujaf-108	79	18	policy	policy	NOUN
gujaf-108	79	19	on	on	ADP
gujaf-108	79	20	loan	loan	NOUN
gujaf-108	79	21	performance	performance	NOUN
gujaf-108	79	22	of	of	ADP
gujaf-108	79	23	mfbs	mfbs	NOUN
gujaf-108	79	24	in	in	ADP
gujaf-108	79	25	kwara	kwara	PROPN
gujaf-108	79	26	state	state	PROPN
gujaf-108	79	27	,	,	PUNCT
gujaf-108	79	28	nigeria	nigeria	PROPN
gujaf-108	79	29	.	.	PUNCT
gujaf-108	80	1	the	the	DET
gujaf-108	80	2	study	study	NOUN
gujaf-108	80	3	employed	employ	VERB
gujaf-108	80	4	survey	survey	NOUN
gujaf-108	80	5	research	research	NOUN
gujaf-108	80	6	design	design	NOUN
gujaf-108	80	7	and	and	CCONJ
gujaf-108	80	8	the	the	DET
gujaf-108	80	9	population	population	NOUN
gujaf-108	80	10	consists	consist	VERB
gujaf-108	80	11	of	of	ADP
gujaf-108	80	12	bank	bank	NOUN
gujaf-108	80	13	managerial	managerial	ADJ
gujaf-108	80	14	and	and	CCONJ
gujaf-108	80	15	senior	senior	ADJ
gujaf-108	80	16	staffers	staffer	NOUN
gujaf-108	80	17	from	from	ADP
gujaf-108	80	18	which	which	PRON
gujaf-108	80	19	one	one	NUM
gujaf-108	80	20	hundred	hundred	NUM
gujaf-108	80	21	and	and	CCONJ
gujaf-108	80	22	forty	forty	NUM
gujaf-108	80	23	(	(	PUNCT
gujaf-108	80	24	140	140	NUM
gujaf-108	80	25	)	)	PUNCT
gujaf-108	80	26	were	be	AUX
gujaf-108	80	27	drawn	draw	VERB
gujaf-108	80	28	conveniently	conveniently	ADV
gujaf-108	80	29	as	as	SCONJ
gujaf-108	80	30	sample	sample	NOUN
gujaf-108	80	31	data	datum	NOUN
gujaf-108	80	32	obtained	obtain	VERB
gujaf-108	80	33	through	through	ADP
gujaf-108	80	34	questionnaire	questionnaire	NOUN
gujaf-108	80	35	were	be	AUX
gujaf-108	80	36	analyzed	analyze	VERB
gujaf-108	80	37	using	use	VERB
gujaf-108	80	38	descriptive	descriptive	ADJ
gujaf-108	80	39	and	and	CCONJ
gujaf-108	80	40	inferential	inferential	ADJ
gujaf-108	80	41	statistics	statistic	NOUN
gujaf-108	80	42	.	.	PUNCT
gujaf-108	81	1	the	the	DET
gujaf-108	81	2	hypotheses	hypothesis	NOUN
gujaf-108	81	3	for	for	ADP
gujaf-108	81	4	the	the	DET
gujaf-108	81	5	study	study	NOUN
gujaf-108	81	6	were	be	AUX
gujaf-108	81	7	tested	test	VERB
gujaf-108	81	8	using	use	VERB
gujaf-108	81	9	ordered	order	VERB
gujaf-108	81	10	logistic	logistic	ADJ
gujaf-108	81	11	regression	regression	NOUN
gujaf-108	81	12	with	with	ADP
gujaf-108	81	13	average	average	ADJ
gujaf-108	81	14	partial	partial	ADJ
gujaf-108	81	15	effects	effect	NOUN
gujaf-108	81	16	.	.	PUNCT
gujaf-108	82	1	the	the	DET
gujaf-108	82	2	study	study	NOUN
gujaf-108	82	3	found	find	VERB
gujaf-108	82	4	that	that	SCONJ
gujaf-108	82	5	collection	collection	NOUN
gujaf-108	82	6	policy	policy	NOUN
gujaf-108	82	7	significantly	significantly	ADV
gujaf-108	82	8	affects	affect	VERB
gujaf-108	82	9	the	the	DET
gujaf-108	82	10	loan	loan	NOUN
gujaf-108	82	11	performance	performance	NOUN
gujaf-108	82	12	of	of	ADP
gujaf-108	82	13	mfbs	mfbs	NOUN
gujaf-108	82	14	while	while	SCONJ
gujaf-108	82	15	credit	credit	NOUN
gujaf-108	82	16	appraisal	appraisal	NOUN
gujaf-108	82	17	policy	policy	NOUN
gujaf-108	82	18	does	do	AUX
gujaf-108	82	19	not	not	PART
gujaf-108	82	20	significantly	significantly	ADV
gujaf-108	82	21	affect	affect	VERB
gujaf-108	82	22	their	their	PRON
gujaf-108	82	23	loan	loan	NOUN
gujaf-108	82	24	performance	performance	NOUN
gujaf-108	82	25	as	as	SCONJ
gujaf-108	82	26	evidenced	evidence	VERB
gujaf-108	82	27	by	by	ADP
gujaf-108	82	28	their	their	PRON
gujaf-108	82	29	p	p	NOUN
gujaf-108	82	30	-	-	PUNCT
gujaf-108	82	31	values	value	NOUN
gujaf-108	82	32	.	.	PUNCT
gujaf-108	83	1	the	the	DET
gujaf-108	83	2	study	study	NOUN
gujaf-108	83	3	therefore	therefore	ADV
gujaf-108	83	4	concluded	conclude	VERB
gujaf-108	83	5	that	that	SCONJ
gujaf-108	83	6	collection	collection	NOUN
gujaf-108	83	7	policy	policy	NOUN
gujaf-108	83	8	influence	influence	NOUN
gujaf-108	83	9	loan	loan	NOUN
gujaf-108	83	10	performance	performance	NOUN
gujaf-108	83	11	of	of	ADP
gujaf-108	83	12	mfbs	mfbs	NOUN
gujaf-108	83	13	in	in	ADP
gujaf-108	83	14	kwara	kwara	PROPN
gujaf-108	83	15	state	state	PROPN
gujaf-108	83	16	.	.	PUNCT
gujaf-108	84	1	therefore	therefore	ADV
gujaf-108	84	2	,	,	PUNCT
gujaf-108	84	3	the	the	DET
gujaf-108	84	4	study	study	NOUN
gujaf-108	84	5	recommends	recommend	VERB
gujaf-108	84	6	that	that	SCONJ
gujaf-108	84	7	the	the	DET
gujaf-108	84	8	credit	credit	NOUN
gujaf-108	84	9	appraisal	appraisal	NOUN
gujaf-108	84	10	policies	policy	NOUN
gujaf-108	84	11	should	should	AUX
gujaf-108	84	12	be	be	AUX
gujaf-108	84	13	restructure	restructure	NOUN
gujaf-108	84	14	to	to	PART
gujaf-108	84	15	capture	capture	VERB
gujaf-108	84	16	the	the	DET
gujaf-108	84	17	relevant	relevant	ADJ
gujaf-108	84	18	information	information	NOUN
gujaf-108	84	19	which	which	PRON
gujaf-108	84	20	will	will	AUX
gujaf-108	84	21	help	help	VERB
gujaf-108	84	22	these	these	DET
gujaf-108	84	23	banks	bank	NOUN
gujaf-108	84	24	to	to	PART
gujaf-108	84	25	determine	determine	VERB
gujaf-108	84	26	the	the	DET
gujaf-108	84	27	default	default	NOUN
gujaf-108	84	28	intent	intent	NOUN
gujaf-108	84	29	of	of	ADP
gujaf-108	84	30	customers	customer	NOUN
gujaf-108	84	31	.	.	PUNCT
gujaf-108	85	1	also	also	ADV
gujaf-108	85	2	,	,	PUNCT
gujaf-108	85	3	further	far	ADV
gujaf-108	85	4	monitoring	monitoring	NOUN
gujaf-108	85	5	mechanism	mechanism	NOUN
gujaf-108	85	6	should	should	AUX
gujaf-108	85	7	be	be	AUX
gujaf-108	85	8	put	put	VERB
gujaf-108	85	9	in	in	ADP
gujaf-108	85	10	place	place	NOUN
gujaf-108	85	11	for	for	ADP
gujaf-108	85	12	bank	bank	NOUN
gujaf-108	85	13	loan	loan	NOUN
gujaf-108	85	14	collection	collection	NOUN
gujaf-108	85	15	policy	policy	NOUN
gujaf-108	85	16	in	in	ADP
gujaf-108	85	17	order	order	NOUN
gujaf-108	85	18	that	that	SCONJ
gujaf-108	85	19	its	its	PRON
gujaf-108	85	20	effectiveness	effectiveness	NOUN
gujaf-108	85	21	in	in	ADP
gujaf-108	85	22	increasing	increase	VERB
gujaf-108	85	23	loan	loan	NOUN
gujaf-108	85	24	performance	performance	NOUN
gujaf-108	85	25	is	be	AUX
gujaf-108	85	26	improved	improve	VERB
gujaf-108	85	27	.	.	PUNCT
gujaf-108	86	1	keywords	keyword	NOUN
gujaf-108	86	2	:	:	PUNCT
gujaf-108	86	3	credit	credit	NOUN
gujaf-108	86	4	appraisal	appraisal	NOUN
gujaf-108	86	5	policy	policy	NOUN
gujaf-108	86	6	,	,	PUNCT
gujaf-108	86	7	collection	collection	NOUN
gujaf-108	86	8	policy	policy	NOUN
gujaf-108	86	9	,	,	PUNCT
gujaf-108	86	10	microfinance	microfinance	NOUN
gujaf-108	86	11	,	,	PUNCT
gujaf-108	86	12	loan	loan	NOUN
gujaf-108	86	13	performance	performance	NOUN
gujaf-108	86	14	1	1	NUM
gujaf-108	86	15	.	.	PUNCT
gujaf-108	86	16	introduction	introduction	NOUN
gujaf-108	86	17	the	the	DET
gujaf-108	86	18	unfolding	unfolding	NOUN
gujaf-108	86	19	of	of	ADP
gujaf-108	86	20	microfinance	microfinance	NOUN
gujaf-108	86	21	as	as	ADP
gujaf-108	86	22	another	another	DET
gujaf-108	86	23	avenue	avenue	NOUN
gujaf-108	86	24	to	to	ADP
gujaf-108	86	25	mainstream	mainstream	VERB
gujaf-108	86	26	provision	provision	NOUN
gujaf-108	86	27	of	of	ADP
gujaf-108	86	28	financial	financial	ADJ
gujaf-108	86	29	services	service	NOUN
gujaf-108	86	30	has	have	AUX
gujaf-108	86	31	offered	offer	VERB
gujaf-108	86	32	an	an	DET
gujaf-108	86	33	enormous	enormous	ADJ
gujaf-108	86	34	succuor	succuor	NOUN
gujaf-108	86	35	for	for	ADP
gujaf-108	86	36	most	most	ADJ
gujaf-108	86	37	people	people	NOUN
gujaf-108	86	38	and	and	CCONJ
gujaf-108	86	39	institutions	institution	NOUN
gujaf-108	86	40	that	that	PRON
gujaf-108	86	41	are	be	AUX
gujaf-108	86	42	hitherto	hitherto	NOUN
gujaf-108	86	43	unable	unable	ADJ
gujaf-108	86	44	to	to	PART
gujaf-108	86	45	partake	partake	VERB
gujaf-108	86	46	in	in	ADP
gujaf-108	86	47	the	the	DET
gujaf-108	86	48	formal	formal	ADJ
gujaf-108	86	49	financial	financial	ADJ
gujaf-108	86	50	sector	sector	NOUN
gujaf-108	86	51	.	.	PUNCT
gujaf-108	87	1	aside	aside	ADV
gujaf-108	87	2	contributing	contribute	VERB
gujaf-108	87	3	to	to	ADP
gujaf-108	87	4	the	the	DET
gujaf-108	87	5	level	level	NOUN
gujaf-108	87	6	of	of	ADP
gujaf-108	87	7	credit	credit	NOUN
gujaf-108	87	8	accessibility	accessibility	NOUN
gujaf-108	87	9	and	and	CCONJ
gujaf-108	87	10	financial	financial	ADJ
gujaf-108	87	11	inclusion	inclusion	NOUN
gujaf-108	87	12	,	,	PUNCT
gujaf-108	87	13	microfinance	microfinance	NOUN
gujaf-108	87	14	institutions	institution	NOUN
gujaf-108	87	15	have	have	AUX
gujaf-108	87	16	been	be	AUX
gujaf-108	87	17	described	describe	VERB
gujaf-108	87	18	to	to	PART
gujaf-108	87	19	assert	assert	VERB
gujaf-108	87	20	great	great	ADJ
gujaf-108	87	21	influence	influence	NOUN
gujaf-108	87	22	on	on	ADP
gujaf-108	87	23	socio	socio	NOUN
gujaf-108	87	24	-	-	PUNCT
gujaf-108	87	25	economic	economic	ADJ
gujaf-108	87	26	status	status	NOUN
gujaf-108	87	27	of	of	ADP
gujaf-108	87	28	people	people	NOUN
gujaf-108	87	29	,	,	PUNCT
gujaf-108	87	30	particularly	particularly	ADV
gujaf-108	87	31	,	,	PUNCT
gujaf-108	87	32	those	those	PRON
gujaf-108	87	33	in	in	ADP
gujaf-108	87	34	the	the	DET
gujaf-108	87	35	rural	rural	ADJ
gujaf-108	87	36	areas	area	NOUN
gujaf-108	87	37	(	(	PUNCT
gujaf-108	87	38	hitchcock	hitchcock	NOUN
gujaf-108	87	39	,	,	PUNCT
gujaf-108	87	40	2014	2014	NUM
gujaf-108	87	41	)	)	PUNCT
gujaf-108	87	42	.	.	PUNCT
gujaf-108	88	1	it	it	PRON
gujaf-108	88	2	is	be	AUX
gujaf-108	88	3	important	important	ADJ
gujaf-108	88	4	that	that	SCONJ
gujaf-108	88	5	such	such	DET
gujaf-108	88	6	a	a	DET
gujaf-108	88	7	great	great	ADJ
gujaf-108	88	8	contributor	contributor	NOUN
gujaf-108	88	9	to	to	PART
gujaf-108	88	10	socio	socio	VERB
gujaf-108	88	11	-	-	PUNCT
gujaf-108	88	12	economic	economic	ADJ
gujaf-108	88	13	development	development	NOUN
gujaf-108	88	14	is	be	AUX
gujaf-108	88	15	given	give	VERB
gujaf-108	88	16	required	require	VERB
gujaf-108	88	17	attention	attention	NOUN
gujaf-108	88	18	regarding	regard	VERB
gujaf-108	88	19	its	its	PRON
gujaf-108	88	20	loan	loan	NOUN
gujaf-108	88	21	operations	operation	NOUN
gujaf-108	88	22	and	and	CCONJ
gujaf-108	88	23	performance	performance	NOUN
gujaf-108	88	24	.	.	PUNCT
gujaf-108	89	1	according	accord	VERB
gujaf-108	89	2	to	to	ADP
gujaf-108	89	3	the	the	DET
gujaf-108	89	4	world	world	PROPN
gujaf-108	89	5	bank	bank	PROPN
gujaf-108	89	6	group	group	NOUN
gujaf-108	89	7	of	of	ADP
gujaf-108	89	8	the	the	DET
gujaf-108	89	9	international	international	ADJ
gujaf-108	89	10	finance	finance	NOUN
gujaf-108	89	11	corporation	corporation	NOUN
gujaf-108	89	12	(	(	PUNCT
gujaf-108	89	13	ifc	ifc	NOUN
gujaf-108	89	14	)	)	PUNCT
gujaf-108	89	15	(	(	PUNCT
gujaf-108	89	16	2018	2018	NUM
gujaf-108	89	17	)	)	PUNCT
gujaf-108	89	18	,	,	PUNCT
gujaf-108	89	19	microfinance	microfinance	NOUN
gujaf-108	89	20	around	around	ADP
gujaf-108	89	21	the	the	DET
gujaf-108	89	22	world	world	NOUN
gujaf-108	89	23	,	,	PUNCT
gujaf-108	89	24	has	have	AUX
gujaf-108	89	25	built	build	VERB
gujaf-108	89	26	a	a	DET
gujaf-108	89	27	solid	solid	ADJ
gujaf-108	89	28	track	track	NOUN
gujaf-108	89	29	record	record	NOUN
gujaf-108	89	30	as	as	ADP
gujaf-108	89	31	essential	essential	ADJ
gujaf-108	89	32	catalyst	catalyst	NOUN
gujaf-108	89	33	for	for	ADP
gujaf-108	89	34	poverty	poverty	NOUN
gujaf-108	89	35	amelioration	amelioration	NOUN
gujaf-108	89	36	and	and	CCONJ
gujaf-108	89	37	has	have	AUX
gujaf-108	89	38	gained	gain	VERB
gujaf-108	89	39	access	access	NOUN
gujaf-108	89	40	to	to	ADP
gujaf-108	89	41	financial	financial	ADJ
gujaf-108	89	42	mainstream	mainstream	NOUN
gujaf-108	89	43	.	.	PUNCT
gujaf-108	90	1	it	it	PRON
gujaf-108	90	2	is	be	AUX
gujaf-108	90	3	equally	equally	ADV
gujaf-108	90	4	on	on	ADP
gujaf-108	90	5	record	record	NOUN
gujaf-108	90	6	that	that	SCONJ
gujaf-108	90	7	the	the	DET
gujaf-108	90	8	recent	recent	ADJ
gujaf-108	90	9	industrial	industrial	ADJ
gujaf-108	90	10	growth	growth	NOUN
gujaf-108	90	11	all	all	ADV
gujaf-108	90	12	over	over	ADP
gujaf-108	90	13	the	the	DET
gujaf-108	90	14	world	world	NOUN
gujaf-108	90	15	(	(	PUNCT
gujaf-108	90	16	which	which	PRON
gujaf-108	90	17	has	have	AUX
gujaf-108	90	18	reached	reach	VERB
gujaf-108	90	19	approximately	approximately	ADV
gujaf-108	90	20	a	a	DET
gujaf-108	90	21	hundred	hundred	NUM
gujaf-108	90	22	and	and	CCONJ
gujaf-108	90	23	thirty	thirty	NUM
gujaf-108	90	24	million	million	NUM
gujaf-108	90	25	clients	client	NOUN
gujaf-108	90	26	)	)	PUNCT
gujaf-108	90	27	is	be	AUX
gujaf-108	90	28	traceable	traceable	ADJ
gujaf-108	90	29	to	to	ADP
gujaf-108	90	30	the	the	DET
gujaf-108	90	31	emergence	emergence	NOUN
gujaf-108	90	32	of	of	ADP
gujaf-108	90	33	microfinance	microfinance	NOUN
gujaf-108	90	34	.	.	PUNCT
gujaf-108	91	1	in	in	ADP
gujaf-108	91	2	spite	spite	NOUN
gujaf-108	91	3	of	of	ADP
gujaf-108	91	4	this	this	PRON
gujaf-108	91	5	,	,	PUNCT
gujaf-108	91	6	the	the	DET
gujaf-108	91	7	coverage	coverage	NOUN
gujaf-108	91	8	of	of	ADP
gujaf-108	91	9	microfinance	microfinance	NOUN
gujaf-108	91	10	among	among	ADP
gujaf-108	91	11	the	the	DET
gujaf-108	91	12	over	over	ADP
gujaf-108	91	13	three	three	NUM
gujaf-108	91	14	billion	billion	NUM
gujaf-108	91	15	poor	poor	ADJ
gujaf-108	91	16	people	people	NOUN
gujaf-108	91	17	in	in	ADP
gujaf-108	91	18	the	the	DET
gujaf-108	91	19	world	world	NOUN
gujaf-108	91	20	is	be	AUX
gujaf-108	91	21	still	still	ADV
gujaf-108	91	22	less	less	ADJ
gujaf-108	91	23	than	than	ADP
gujaf-108	91	24	20	20	NUM
gujaf-108	91	25	percent	percent	NOUN
gujaf-108	91	26	of	of	ADP
gujaf-108	91	27	its	its	PRON
gujaf-108	91	28	potential	potential	ADJ
gujaf-108	91	29	market	market	NOUN
gujaf-108	91	30	(	(	PUNCT
gujaf-108	91	31	arhin	arhin	NOUN
gujaf-108	91	32	et	et	PROPN
gujaf-108	91	33	al	al	PROPN
gujaf-108	91	34	.	.	PROPN
gujaf-108	91	35	2019	2019	NUM
gujaf-108	91	36	)	)	PUNCT
gujaf-108	91	37	.	.	PUNCT
gujaf-108	92	1	mailto:okelukman2003@yahoo.com	mailto:okelukman2003@yahoo.com	NOUN
gujaf-108	92	2	2	2	NUM
gujaf-108	92	3	extension	extension	NOUN
gujaf-108	92	4	of	of	ADP
gujaf-108	92	5	credit	credit	NOUN
gujaf-108	92	6	facilities	facility	NOUN
gujaf-108	92	7	is	be	AUX
gujaf-108	92	8	one	one	NUM
gujaf-108	92	9	of	of	ADP
gujaf-108	92	10	the	the	DET
gujaf-108	92	11	major	major	ADJ
gujaf-108	92	12	activities	activity	NOUN
gujaf-108	92	13	of	of	ADP
gujaf-108	92	14	all	all	DET
gujaf-108	92	15	microfinance	microfinance	NOUN
gujaf-108	92	16	institutions	institution	NOUN
gujaf-108	92	17	,	,	PUNCT
gujaf-108	92	18	microfinance	microfinance	NOUN
gujaf-108	92	19	banks	bank	NOUN
gujaf-108	92	20	inclusive	inclusive	ADJ
gujaf-108	92	21	.	.	PUNCT
gujaf-108	93	1	this	this	DET
gujaf-108	93	2	activity	activity	NOUN
gujaf-108	93	3	accounts	account	VERB
gujaf-108	93	4	for	for	ADP
gujaf-108	93	5	greater	great	ADJ
gujaf-108	93	6	percentages	percentage	NOUN
gujaf-108	93	7	in	in	ADP
gujaf-108	93	8	the	the	DET
gujaf-108	93	9	overall	overall	ADJ
gujaf-108	93	10	operating	operate	VERB
gujaf-108	93	11	assets	asset	NOUN
gujaf-108	93	12	of	of	ADP
gujaf-108	93	13	these	these	DET
gujaf-108	93	14	lending	lending	NOUN
gujaf-108	93	15	institutions	institution	NOUN
gujaf-108	93	16	.	.	PUNCT
gujaf-108	94	1	however	however	ADV
gujaf-108	94	2	,	,	PUNCT
gujaf-108	94	3	some	some	PRON
gujaf-108	94	4	of	of	ADP
gujaf-108	94	5	the	the	DET
gujaf-108	94	6	facilities	facility	NOUN
gujaf-108	94	7	extended	extend	VERB
gujaf-108	94	8	by	by	ADP
gujaf-108	94	9	these	these	DET
gujaf-108	94	10	institutions	institution	NOUN
gujaf-108	94	11	usually	usually	ADV
gujaf-108	94	12	become	become	VERB
gujaf-108	94	13	nonperforming	nonperforme	VERB
gujaf-108	94	14	and	and	CCONJ
gujaf-108	94	15	eventually	eventually	ADV
gujaf-108	94	16	result	result	VERB
gujaf-108	94	17	in	in	ADP
gujaf-108	94	18	bad	bad	ADJ
gujaf-108	94	19	debts	debt	NOUN
gujaf-108	94	20	with	with	ADP
gujaf-108	94	21	adverse	adverse	ADJ
gujaf-108	94	22	consequences	consequence	NOUN
gujaf-108	94	23	for	for	ADP
gujaf-108	94	24	the	the	DET
gujaf-108	94	25	overall	overall	ADJ
gujaf-108	94	26	financial	financial	ADJ
gujaf-108	94	27	performance	performance	NOUN
gujaf-108	94	28	of	of	ADP
gujaf-108	94	29	the	the	DET
gujaf-108	94	30	institutions	institution	NOUN
gujaf-108	94	31	.	.	PUNCT
gujaf-108	95	1	the	the	DET
gujaf-108	95	2	default	default	NOUN
gujaf-108	95	3	risk	risk	NOUN
gujaf-108	95	4	arises	arise	VERB
gujaf-108	95	5	as	as	ADP
gujaf-108	95	6	a	a	DET
gujaf-108	95	7	result	result	NOUN
gujaf-108	95	8	of	of	ADP
gujaf-108	95	9	a	a	DET
gujaf-108	95	10	number	number	NOUN
gujaf-108	95	11	of	of	ADP
gujaf-108	95	12	external	external	ADJ
gujaf-108	95	13	factors	factor	NOUN
gujaf-108	95	14	,	,	PUNCT
gujaf-108	95	15	particularly	particularly	ADV
gujaf-108	95	16	,	,	PUNCT
gujaf-108	95	17	those	those	PRON
gujaf-108	95	18	related	relate	VERB
gujaf-108	95	19	to	to	ADP
gujaf-108	95	20	economic	economic	ADJ
gujaf-108	95	21	downturn	downturn	NOUN
gujaf-108	95	22	,	,	PUNCT
gujaf-108	95	23	as	as	ADV
gujaf-108	95	24	well	well	ADV
gujaf-108	95	25	as	as	ADP
gujaf-108	95	26	failure	failure	NOUN
gujaf-108	95	27	of	of	ADP
gujaf-108	95	28	internal	internal	ADJ
gujaf-108	95	29	processes	process	NOUN
gujaf-108	95	30	within	within	ADP
gujaf-108	95	31	the	the	DET
gujaf-108	95	32	lending	lending	NOUN
gujaf-108	95	33	institutions	institution	NOUN
gujaf-108	95	34	.	.	PUNCT
gujaf-108	96	1	these	these	PRON
gujaf-108	96	2	include	include	VERB
gujaf-108	96	3	,	,	PUNCT
gujaf-108	96	4	majorly	majorly	ADV
gujaf-108	96	5	,	,	PUNCT
gujaf-108	96	6	the	the	DET
gujaf-108	96	7	business	business	NOUN
gujaf-108	96	8	cycle	cycle	NOUN
gujaf-108	96	9	(	(	PUNCT
gujaf-108	96	10	or	or	CCONJ
gujaf-108	96	11	economic	economic	ADJ
gujaf-108	96	12	fluctuations	fluctuation	NOUN
gujaf-108	96	13	)	)	PUNCT
gujaf-108	96	14	and	and	CCONJ
gujaf-108	96	15	the	the	DET
gujaf-108	96	16	prevailing	prevail	VERB
gujaf-108	96	17	lending	lending	NOUN
gujaf-108	96	18	policy	policy	NOUN
gujaf-108	96	19	of	of	ADP
gujaf-108	96	20	these	these	DET
gujaf-108	96	21	institutions	institution	NOUN
gujaf-108	96	22	.	.	PUNCT
gujaf-108	97	1	lending	lending	NOUN
gujaf-108	97	2	institutions	institution	NOUN
gujaf-108	97	3	face	face	VERB
gujaf-108	97	4	multiple	multiple	ADJ
gujaf-108	97	5	risks	risk	NOUN
gujaf-108	97	6	in	in	ADP
gujaf-108	97	7	their	their	PRON
gujaf-108	97	8	line	line	NOUN
gujaf-108	97	9	of	of	ADP
gujaf-108	97	10	business	business	NOUN
gujaf-108	97	11	due	due	ADP
gujaf-108	97	12	to	to	ADP
gujaf-108	97	13	the	the	DET
gujaf-108	97	14	nature	nature	NOUN
gujaf-108	97	15	of	of	ADP
gujaf-108	97	16	business	business	NOUN
gujaf-108	97	17	(	(	PUNCT
gujaf-108	97	18	lending	lending	NOUN
gujaf-108	97	19	)	)	PUNCT
gujaf-108	97	20	and	and	CCONJ
gujaf-108	97	21	prominent	prominent	ADJ
gujaf-108	97	22	among	among	ADP
gujaf-108	97	23	these	these	DET
gujaf-108	97	24	risks	risk	NOUN
gujaf-108	97	25	is	be	AUX
gujaf-108	97	26	the	the	DET
gujaf-108	97	27	risk	risk	NOUN
gujaf-108	97	28	of	of	ADP
gujaf-108	97	29	default	default	NOUN
gujaf-108	97	30	from	from	ADP
gujaf-108	97	31	borrowers	borrower	NOUN
gujaf-108	97	32	.	.	PUNCT
gujaf-108	98	1	in	in	ADP
gujaf-108	98	2	fact	fact	NOUN
gujaf-108	98	3	,	,	PUNCT
gujaf-108	98	4	issue	issue	NOUN
gujaf-108	98	5	of	of	ADP
gujaf-108	98	6	loan	loan	NOUN
gujaf-108	98	7	default	default	NOUN
gujaf-108	98	8	(	(	PUNCT
gujaf-108	98	9	npls	npls	NOUN
gujaf-108	98	10	)	)	PUNCT
gujaf-108	98	11	is	be	AUX
gujaf-108	98	12	becoming	become	VERB
gujaf-108	98	13	an	an	DET
gujaf-108	98	14	increasing	increase	VERB
gujaf-108	98	15	problem	problem	NOUN
gujaf-108	98	16	that	that	PRON
gujaf-108	98	17	threatens	threaten	VERB
gujaf-108	98	18	the	the	DET
gujaf-108	98	19	sustainability	sustainability	NOUN
gujaf-108	98	20	of	of	ADP
gujaf-108	98	21	mfis	mfis	NOUN
gujaf-108	98	22	in	in	ADP
gujaf-108	98	23	nigeria	nigeria	PROPN
gujaf-108	98	24	(	(	PUNCT
gujaf-108	98	25	nwanna	nwanna	NOUN
gujaf-108	98	26	,	,	PUNCT
gujaf-108	98	27	&	&	CCONJ
gujaf-108	98	28	oguezue	oguezue	PROPN
gujaf-108	98	29	,	,	PUNCT
gujaf-108	98	30	2017	2017	NUM
gujaf-108	98	31	)	)	PUNCT
gujaf-108	98	32	.	.	PUNCT
gujaf-108	99	1	specifically	specifically	ADV
gujaf-108	99	2	,	,	PUNCT
gujaf-108	99	3	npl	npl	PROPN
gujaf-108	99	4	has	have	AUX
gujaf-108	99	5	been	be	AUX
gujaf-108	99	6	a	a	DET
gujaf-108	99	7	source	source	NOUN
gujaf-108	99	8	of	of	ADP
gujaf-108	99	9	misery	misery	NOUN
gujaf-108	99	10	for	for	ADP
gujaf-108	99	11	mfbs	mfbs	NOUN
gujaf-108	99	12	in	in	ADP
gujaf-108	99	13	nigeria	nigeria	PROPN
gujaf-108	99	14	because	because	SCONJ
gujaf-108	99	15	it	it	PRON
gujaf-108	99	16	adversely	adversely	ADV
gujaf-108	99	17	affects	affect	VERB
gujaf-108	99	18	their	their	PRON
gujaf-108	99	19	financial	financial	ADJ
gujaf-108	99	20	position	position	NOUN
gujaf-108	99	21	and	and	CCONJ
gujaf-108	99	22	operations	operation	NOUN
gujaf-108	99	23	in	in	ADP
gujaf-108	99	24	terms	term	NOUN
gujaf-108	99	25	of	of	ADP
gujaf-108	99	26	liquidity	liquidity	NOUN
gujaf-108	99	27	,	,	PUNCT
gujaf-108	99	28	profitability	profitability	NOUN
gujaf-108	99	29	,	,	PUNCT
gujaf-108	99	30	debtservicing	debtservice	VERB
gujaf-108	99	31	capacity	capacity	NOUN
gujaf-108	99	32	,	,	PUNCT
gujaf-108	99	33	lending	lending	NOUN
gujaf-108	99	34	capacity	capacity	NOUN
gujaf-108	99	35	and	and	CCONJ
gujaf-108	99	36	ability	ability	NOUN
gujaf-108	99	37	to	to	PART
gujaf-108	99	38	raise	raise	VERB
gujaf-108	99	39	additional	additional	ADJ
gujaf-108	99	40	capital	capital	NOUN
gujaf-108	99	41	.	.	PUNCT
gujaf-108	100	1	for	for	ADP
gujaf-108	100	2	instance	instance	NOUN
gujaf-108	100	3	,	,	PUNCT
gujaf-108	100	4	according	accord	VERB
gujaf-108	100	5	to	to	ADP
gujaf-108	100	6	estimates	estimate	NOUN
gujaf-108	100	7	from	from	ADP
gujaf-108	100	8	statistical	statistical	ADJ
gujaf-108	100	9	bulletin	bulletin	NOUN
gujaf-108	100	10	of	of	ADP
gujaf-108	100	11	the	the	DET
gujaf-108	100	12	central	central	ADJ
gujaf-108	100	13	bank	bank	PROPN
gujaf-108	100	14	of	of	ADP
gujaf-108	100	15	nigeria	nigeria	PROPN
gujaf-108	100	16	,	,	PUNCT
gujaf-108	100	17	the	the	DET
gujaf-108	100	18	population	population	NOUN
gujaf-108	100	19	of	of	ADP
gujaf-108	100	20	mfbs	mfbs	PROPN
gujaf-108	100	21	in	in	ADP
gujaf-108	100	22	nigeria	nigeria	PROPN
gujaf-108	100	23	in	in	ADP
gujaf-108	100	24	2000	2000	NUM
gujaf-108	100	25	was	be	AUX
gujaf-108	100	26	881	881	NUM
gujaf-108	100	27	,	,	PUNCT
gujaf-108	100	28	which	which	PRON
gujaf-108	100	29	corresponds	correspond	VERB
gujaf-108	100	30	to	to	ADP
gujaf-108	100	31	a	a	DET
gujaf-108	100	32	liquidity	liquidity	NOUN
gujaf-108	100	33	of	of	ADP
gujaf-108	100	34	61.42	61.42	NUM
gujaf-108	100	35	percent	percent	NOUN
gujaf-108	100	36	.	.	PUNCT
gujaf-108	101	1	these	these	DET
gujaf-108	101	2	numbers	number	NOUN
gujaf-108	101	3	fell	fall	VERB
gujaf-108	101	4	in	in	ADP
gujaf-108	101	5	2011	2011	NUM
gujaf-108	101	6	to	to	ADP
gujaf-108	101	7	821	821	NUM
gujaf-108	101	8	mfbs	mfbs	NOUN
gujaf-108	101	9	and	and	CCONJ
gujaf-108	101	10	58.7	58.7	NUM
gujaf-108	101	11	percent	percent	NOUN
gujaf-108	101	12	liquidity	liquidity	NOUN
gujaf-108	101	13	ratio	ratio	NOUN
gujaf-108	101	14	and	and	CCONJ
gujaf-108	101	15	fell	fall	VERB
gujaf-108	101	16	further	far	ADV
gujaf-108	101	17	in	in	ADP
gujaf-108	101	18	2018	2018	NUM
gujaf-108	101	19	to	to	ADP
gujaf-108	101	20	529	529	NUM
gujaf-108	101	21	mfbs	mfbs	NOUN
gujaf-108	101	22	and	and	CCONJ
gujaf-108	101	23	23.57	23.57	NUM
gujaf-108	101	24	percent	percent	NOUN
gujaf-108	101	25	of	of	ADP
gujaf-108	101	26	liquidity	liquidity	NOUN
gujaf-108	101	27	.	.	PUNCT
gujaf-108	102	1	the	the	DET
gujaf-108	102	2	npl	npl	PROPN
gujaf-108	102	3	problem	problem	NOUN
gujaf-108	102	4	of	of	ADP
gujaf-108	102	5	mfbs	mfbs	NOUN
gujaf-108	102	6	might	might	AUX
gujaf-108	102	7	be	be	AUX
gujaf-108	102	8	linked	link	VERB
gujaf-108	102	9	to	to	ADP
gujaf-108	102	10	a	a	DET
gujaf-108	102	11	number	number	NOUN
gujaf-108	102	12	of	of	ADP
gujaf-108	102	13	factors	factor	NOUN
gujaf-108	102	14	;	;	PUNCT
gujaf-108	102	15	one	one	NUM
gujaf-108	102	16	of	of	ADP
gujaf-108	102	17	it	it	PRON
gujaf-108	102	18	is	be	AUX
gujaf-108	102	19	the	the	DET
gujaf-108	102	20	mfbs‟	mfbs‟	NUM
gujaf-108	102	21	policies	policy	NOUN
gujaf-108	102	22	that	that	PRON
gujaf-108	102	23	back	back	VERB
gujaf-108	102	24	the	the	DET
gujaf-108	102	25	lending	lending	NOUN
gujaf-108	102	26	process	process	NOUN
gujaf-108	102	27	(	(	PUNCT
gujaf-108	102	28	omare	omare	ADJ
gujaf-108	102	29	,	,	PUNCT
gujaf-108	102	30	2016	2016	NUM
gujaf-108	102	31	)	)	PUNCT
gujaf-108	102	32	.	.	PUNCT
gujaf-108	103	1	the	the	DET
gujaf-108	103	2	major	major	ADJ
gujaf-108	103	3	lending	lending	NOUN
gujaf-108	103	4	policies	policy	NOUN
gujaf-108	103	5	relate	relate	VERB
gujaf-108	103	6	to	to	ADP
gujaf-108	103	7	credit	credit	NOUN
gujaf-108	103	8	appraisal	appraisal	NOUN
gujaf-108	103	9	procedure	procedure	NOUN
gujaf-108	103	10	,	,	PUNCT
gujaf-108	103	11	management	management	NOUN
gujaf-108	103	12	policy	policy	NOUN
gujaf-108	103	13	,	,	PUNCT
gujaf-108	103	14	collection	collection	NOUN
gujaf-108	103	15	policy	policy	NOUN
gujaf-108	103	16	and	and	CCONJ
gujaf-108	103	17	interest	interest	NOUN
gujaf-108	103	18	rates	rate	NOUN
gujaf-108	103	19	policy	policy	NOUN
gujaf-108	103	20	(	(	PUNCT
gujaf-108	103	21	lieber	lieber	PROPN
gujaf-108	103	22	,	,	PUNCT
gujaf-108	103	23	1986	1986	NUM
gujaf-108	103	24	)	)	PUNCT
gujaf-108	103	25	.	.	PUNCT
gujaf-108	104	1	prominent	prominent	ADJ
gujaf-108	104	2	among	among	ADP
gujaf-108	104	3	the	the	DET
gujaf-108	104	4	npl	npl	PROPN
gujaf-108	104	5	problem	problem	NOUN
gujaf-108	104	6	of	of	ADP
gujaf-108	104	7	mfbs	mfbs	NOUN
gujaf-108	104	8	are	be	AUX
gujaf-108	104	9	not	not	PART
gujaf-108	104	10	unconnected	unconnected	ADJ
gujaf-108	104	11	with	with	ADP
gujaf-108	104	12	the	the	DET
gujaf-108	104	13	credit	credit	NOUN
gujaf-108	104	14	appraisal	appraisal	NOUN
gujaf-108	104	15	procedure	procedure	NOUN
gujaf-108	104	16	and	and	CCONJ
gujaf-108	104	17	collection	collection	NOUN
gujaf-108	104	18	policies	policy	NOUN
gujaf-108	104	19	.	.	PUNCT
gujaf-108	105	1	the	the	DET
gujaf-108	105	2	procedure	procedure	NOUN
gujaf-108	105	3	for	for	ADP
gujaf-108	105	4	appraising	appraise	VERB
gujaf-108	105	5	loan	loan	NOUN
gujaf-108	105	6	applications	application	NOUN
gujaf-108	105	7	,	,	PUNCT
gujaf-108	105	8	which	which	PRON
gujaf-108	105	9	include	include	VERB
gujaf-108	105	10	the	the	DET
gujaf-108	105	11	technical	technical	ADJ
gujaf-108	105	12	feasibility	feasibility	NOUN
gujaf-108	105	13	of	of	ADP
gujaf-108	105	14	the	the	DET
gujaf-108	105	15	credit	credit	NOUN
gujaf-108	105	16	,	,	PUNCT
gujaf-108	105	17	its	its	PRON
gujaf-108	105	18	economic	economic	ADJ
gujaf-108	105	19	viability	viability	NOUN
gujaf-108	105	20	and	and	CCONJ
gujaf-108	105	21	creditworthiness	creditworthiness	NOUN
gujaf-108	105	22	of	of	ADP
gujaf-108	105	23	the	the	DET
gujaf-108	105	24	borrower	borrower	NOUN
gujaf-108	105	25	are	be	AUX
gujaf-108	105	26	usually	usually	ADV
gujaf-108	105	27	time	time	NOUN
gujaf-108	105	28	taking	take	VERB
gujaf-108	105	29	and	and	CCONJ
gujaf-108	105	30	with	with	ADP
gujaf-108	105	31	prohibitive	prohibitive	ADJ
gujaf-108	105	32	costs	cost	NOUN
gujaf-108	105	33	.	.	PUNCT
gujaf-108	106	1	as	as	SCONJ
gujaf-108	106	2	such	such	ADJ
gujaf-108	106	3	many	many	ADJ
gujaf-108	106	4	mfbs	mfbs	NOUN
gujaf-108	106	5	do	do	AUX
gujaf-108	106	6	not	not	PART
gujaf-108	106	7	have	have	VERB
gujaf-108	106	8	the	the	DET
gujaf-108	106	9	capacity	capacity	NOUN
gujaf-108	106	10	to	to	PART
gujaf-108	106	11	carry	carry	VERB
gujaf-108	106	12	out	out	ADP
gujaf-108	106	13	such	such	ADJ
gujaf-108	106	14	operations	operation	NOUN
gujaf-108	106	15	in	in	ADP
gujaf-108	106	16	short	short	ADJ
gujaf-108	106	17	period	period	NOUN
gujaf-108	106	18	of	of	ADP
gujaf-108	106	19	time	time	NOUN
gujaf-108	106	20	with	with	ADP
gujaf-108	106	21	the	the	DET
gujaf-108	106	22	fact	fact	NOUN
gujaf-108	106	23	that	that	SCONJ
gujaf-108	106	24	there	there	PRON
gujaf-108	106	25	is	be	VERB
gujaf-108	106	26	pressure	pressure	NOUN
gujaf-108	106	27	not	not	PART
gujaf-108	106	28	to	to	PART
gujaf-108	106	29	over	over	ADV
gujaf-108	106	30	-	-	PUNCT
gujaf-108	106	31	delay	delay	VERB
gujaf-108	106	32	the	the	DET
gujaf-108	106	33	appraisal	appraisal	NOUN
gujaf-108	106	34	process	process	NOUN
gujaf-108	106	35	(	(	PUNCT
gujaf-108	106	36	omare	omare	ADJ
gujaf-108	106	37	,	,	PUNCT
gujaf-108	106	38	2016	2016	NUM
gujaf-108	106	39	)	)	PUNCT
gujaf-108	106	40	.	.	PUNCT
gujaf-108	107	1	the	the	DET
gujaf-108	107	2	collection	collection	NOUN
gujaf-108	107	3	policy	policy	NOUN
gujaf-108	107	4	and	and	CCONJ
gujaf-108	107	5	the	the	DET
gujaf-108	107	6	way	way	NOUN
gujaf-108	107	7	it	it	PRON
gujaf-108	107	8	affects	affect	VERB
gujaf-108	107	9	non	non	ADJ
gujaf-108	107	10	-	-	ADJ
gujaf-108	107	11	performing	performing	ADJ
gujaf-108	107	12	loans	loan	NOUN
gujaf-108	107	13	of	of	ADP
gujaf-108	107	14	mfbs	mfbs	NOUN
gujaf-108	107	15	is	be	AUX
gujaf-108	107	16	another	another	DET
gujaf-108	107	17	issue	issue	NOUN
gujaf-108	107	18	of	of	ADP
gujaf-108	107	19	great	great	ADJ
gujaf-108	107	20	concern	concern	NOUN
gujaf-108	107	21	.	.	PUNCT
gujaf-108	108	1	borrowers	borrower	NOUN
gujaf-108	108	2	of	of	ADP
gujaf-108	108	3	microfinance	microfinance	NOUN
gujaf-108	108	4	,	,	PUNCT
gujaf-108	108	5	as	as	SCONJ
gujaf-108	108	6	the	the	DET
gujaf-108	108	7	name	name	NOUN
gujaf-108	108	8	implies	imply	VERB
gujaf-108	108	9	are	be	AUX
gujaf-108	108	10	small	small	ADJ
gujaf-108	108	11	and	and	CCONJ
gujaf-108	108	12	micro	micro	ADJ
gujaf-108	108	13	entities	entity	NOUN
gujaf-108	108	14	,	,	PUNCT
gujaf-108	108	15	who	who	PRON
gujaf-108	108	16	are	be	AUX
gujaf-108	108	17	relatively	relatively	ADV
gujaf-108	108	18	more	more	ADV
gujaf-108	108	19	difficult	difficult	ADJ
gujaf-108	108	20	to	to	PART
gujaf-108	108	21	trace	trace	VERB
gujaf-108	108	22	and	and	CCONJ
gujaf-108	108	23	locate	locate	ADJ
gujaf-108	108	24	when	when	SCONJ
gujaf-108	108	25	loans	loan	NOUN
gujaf-108	108	26	are	be	AUX
gujaf-108	108	27	due	due	ADJ
gujaf-108	108	28	for	for	ADP
gujaf-108	108	29	repayment	repayment	NOUN
gujaf-108	108	30	.	.	PUNCT
gujaf-108	109	1	an	an	DET
gujaf-108	109	2	adequate	adequate	ADJ
gujaf-108	109	3	collection	collection	NOUN
gujaf-108	109	4	policy	policy	NOUN
gujaf-108	109	5	might	might	AUX
gujaf-108	109	6	be	be	AUX
gujaf-108	109	7	helpful	helpful	ADJ
gujaf-108	109	8	in	in	ADP
gujaf-108	109	9	ensuring	ensure	VERB
gujaf-108	109	10	a	a	DET
gujaf-108	109	11	substantially	substantially	ADV
gujaf-108	109	12	large	large	ADJ
gujaf-108	109	13	proportion	proportion	NOUN
gujaf-108	109	14	of	of	ADP
gujaf-108	109	15	the	the	DET
gujaf-108	109	16	granted	grant	VERB
gujaf-108	109	17	loans	loan	NOUN
gujaf-108	109	18	and	and	CCONJ
gujaf-108	109	19	hence	hence	ADV
gujaf-108	109	20	,	,	PUNCT
gujaf-108	109	21	reduce	reduce	VERB
gujaf-108	109	22	the	the	DET
gujaf-108	109	23	non	non	ADJ
gujaf-108	109	24	-	-	ADJ
gujaf-108	109	25	performing	performing	ADJ
gujaf-108	109	26	components	component	NOUN
gujaf-108	109	27	of	of	ADP
gujaf-108	109	28	loan	loan	NOUN
gujaf-108	109	29	portfolio	portfolio	NOUN
gujaf-108	109	30	.	.	PUNCT
gujaf-108	110	1	however	however	ADV
gujaf-108	110	2	,	,	PUNCT
gujaf-108	110	3	the	the	DET
gujaf-108	110	4	micro	micro	ADJ
gujaf-108	110	5	nature	nature	NOUN
gujaf-108	110	6	of	of	ADP
gujaf-108	110	7	borrowers	borrower	NOUN
gujaf-108	110	8	from	from	ADP
gujaf-108	110	9	microfinance	microfinance	NOUN
gujaf-108	110	10	banks	bank	NOUN
gujaf-108	110	11	poses	pose	VERB
gujaf-108	110	12	a	a	DET
gujaf-108	110	13	great	great	ADJ
gujaf-108	110	14	challenge	challenge	NOUN
gujaf-108	110	15	in	in	ADP
gujaf-108	110	16	the	the	DET
gujaf-108	110	17	loan	loan	NOUN
gujaf-108	110	18	collection	collection	NOUN
gujaf-108	110	19	process	process	NOUN
gujaf-108	110	20	.	.	PUNCT
gujaf-108	111	1	it	it	PRON
gujaf-108	111	2	is	be	AUX
gujaf-108	111	3	on	on	ADP
gujaf-108	111	4	the	the	DET
gujaf-108	111	5	context	context	NOUN
gujaf-108	111	6	of	of	ADP
gujaf-108	111	7	the	the	DET
gujaf-108	111	8	problems	problem	NOUN
gujaf-108	111	9	above	above	ADV
gujaf-108	111	10	and	and	CCONJ
gujaf-108	111	11	the	the	DET
gujaf-108	111	12	economic	economic	ADJ
gujaf-108	111	13	importance	importance	NOUN
gujaf-108	111	14	of	of	ADP
gujaf-108	111	15	mfbs	mfbs	NOUN
gujaf-108	111	16	that	that	SCONJ
gujaf-108	111	17	this	this	DET
gujaf-108	111	18	study	study	NOUN
gujaf-108	111	19	examines	examine	VERB
gujaf-108	111	20	the	the	DET
gujaf-108	111	21	impact	impact	NOUN
gujaf-108	111	22	that	that	PRON
gujaf-108	111	23	credit	credit	NOUN
gujaf-108	111	24	appraisal	appraisal	NOUN
gujaf-108	111	25	policy	policy	NOUN
gujaf-108	111	26	and	and	CCONJ
gujaf-108	111	27	credit	credit	NOUN
gujaf-108	111	28	collection	collection	NOUN
gujaf-108	111	29	policy	policy	NOUN
gujaf-108	111	30	have	have	VERB
gujaf-108	111	31	on	on	ADP
gujaf-108	111	32	loan	loan	NOUN
gujaf-108	111	33	performance	performance	NOUN
gujaf-108	111	34	of	of	ADP
gujaf-108	111	35	mfbs	mfbs	NOUN
gujaf-108	111	36	in	in	ADP
gujaf-108	111	37	kwara	kwara	PROPN
gujaf-108	111	38	state	state	PROPN
gujaf-108	111	39	,	,	PUNCT
gujaf-108	111	40	nigeria	nigeria	PROPN
gujaf-108	111	41	.	.	PUNCT
gujaf-108	112	1	in	in	ADP
gujaf-108	112	2	conformity	conformity	NOUN
gujaf-108	112	3	with	with	ADP
gujaf-108	112	4	the	the	DET
gujaf-108	112	5	problem	problem	NOUN
gujaf-108	112	6	stated	state	VERB
gujaf-108	112	7	above	above	ADV
gujaf-108	112	8	,	,	PUNCT
gujaf-108	112	9	the	the	DET
gujaf-108	112	10	following	follow	VERB
gujaf-108	112	11	research	research	NOUN
gujaf-108	112	12	hypotheses	hypothesis	NOUN
gujaf-108	112	13	stated	state	VERB
gujaf-108	112	14	in	in	ADP
gujaf-108	112	15	null	null	ADJ
gujaf-108	112	16	form	form	NOUN
gujaf-108	112	17	were	be	AUX
gujaf-108	112	18	tested	test	VERB
gujaf-108	112	19	to	to	PART
gujaf-108	112	20	achieve	achieve	VERB
gujaf-108	112	21	the	the	DET
gujaf-108	112	22	study	study	NOUN
gujaf-108	112	23	objectives	objective	NOUN
gujaf-108	112	24	:	:	PUNCT
gujaf-108	112	25	ho1	ho1	NOUN
gujaf-108	112	26	:	:	PUNCT
gujaf-108	112	27	credit	credit	NOUN
gujaf-108	112	28	appraisal	appraisal	NOUN
gujaf-108	112	29	policy	policy	NOUN
gujaf-108	112	30	does	do	AUX
gujaf-108	112	31	not	not	PART
gujaf-108	112	32	have	have	VERB
gujaf-108	112	33	significant	significant	ADJ
gujaf-108	112	34	effect	effect	NOUN
gujaf-108	112	35	on	on	ADP
gujaf-108	112	36	the	the	DET
gujaf-108	112	37	loan	loan	NOUN
gujaf-108	112	38	performance	performance	NOUN
gujaf-108	112	39	among	among	ADP
gujaf-108	112	40	deposit	deposit	NOUN
gujaf-108	112	41	taking	taking	NOUN
gujaf-108	112	42	mfbs	mfbs	NOUN
gujaf-108	112	43	in	in	ADP
gujaf-108	112	44	kwara	kwara	PROPN
gujaf-108	112	45	state	state	PROPN
gujaf-108	112	46	.	.	PUNCT
gujaf-108	113	1	ho2	ho2	NOUN
gujaf-108	113	2	:	:	PUNCT
gujaf-108	113	3	collection	collection	NOUN
gujaf-108	113	4	policy	policy	NOUN
gujaf-108	113	5	does	do	AUX
gujaf-108	113	6	not	not	PART
gujaf-108	113	7	have	have	VERB
gujaf-108	113	8	significant	significant	ADJ
gujaf-108	113	9	effect	effect	NOUN
gujaf-108	113	10	on	on	ADP
gujaf-108	113	11	the	the	DET
gujaf-108	113	12	loan	loan	NOUN
gujaf-108	113	13	performance	performance	NOUN
gujaf-108	113	14	among	among	ADP
gujaf-108	113	15	deposit	deposit	NOUN
gujaf-108	113	16	taking	taking	NOUN
gujaf-108	113	17	mfbs	mfbs	NOUN
gujaf-108	113	18	in	in	ADP
gujaf-108	113	19	kwara	kwara	PROPN
gujaf-108	113	20	state	state	PROPN
gujaf-108	113	21	.	.	PUNCT
gujaf-108	114	1	3	3	NUM
gujaf-108	114	2	2	2	NUM
gujaf-108	114	3	.	.	X
gujaf-108	114	4	review	review	NOUN
gujaf-108	114	5	of	of	ADP
gujaf-108	114	6	relevant	relevant	ADJ
gujaf-108	114	7	literature	literature	NOUN
gujaf-108	114	8	microfinance	microfinance	NOUN
gujaf-108	114	9	consists	consist	VERB
gujaf-108	114	10	primarily	primarily	ADV
gujaf-108	114	11	of	of	ADP
gujaf-108	114	12	providing	provide	VERB
gujaf-108	114	13	financial	financial	ADJ
gujaf-108	114	14	services	service	NOUN
gujaf-108	114	15	including	include	VERB
gujaf-108	114	16	,	,	PUNCT
gujaf-108	114	17	savings	saving	NOUN
gujaf-108	114	18	,	,	PUNCT
gujaf-108	114	19	microcredit	microcredit	NOUN
gujaf-108	114	20	,	,	PUNCT
gujaf-108	114	21	micro	micro	ADJ
gujaf-108	114	22	insurance	insurance	NOUN
gujaf-108	114	23	,	,	PUNCT
gujaf-108	114	24	micro	micro	ADJ
gujaf-108	114	25	leasing	leasing	NOUN
gujaf-108	114	26	and	and	CCONJ
gujaf-108	114	27	transfers	transfer	NOUN
gujaf-108	114	28	in	in	ADP
gujaf-108	114	29	relatively	relatively	ADV
gujaf-108	114	30	small	small	ADJ
gujaf-108	114	31	transactions	transaction	NOUN
gujaf-108	114	32	designed	design	VERB
gujaf-108	114	33	to	to	PART
gujaf-108	114	34	be	be	AUX
gujaf-108	114	35	accessible	accessible	ADJ
gujaf-108	114	36	to	to	ADP
gujaf-108	114	37	micro	micro	NOUN
gujaf-108	114	38	-	-	NOUN
gujaf-108	114	39	enterprises	enterprise	NOUN
gujaf-108	114	40	and	and	CCONJ
gujaf-108	114	41	to	to	ADP
gujaf-108	114	42	low	low	ADJ
gujaf-108	114	43	-	-	PUNCT
gujaf-108	114	44	income	income	NOUN
gujaf-108	114	45	households	household	NOUN
gujaf-108	114	46	.	.	PUNCT
gujaf-108	115	1	the	the	DET
gujaf-108	115	2	definition	definition	NOUN
gujaf-108	115	3	implies	imply	VERB
gujaf-108	115	4	that	that	SCONJ
gujaf-108	115	5	microfinance	microfinance	NOUN
gujaf-108	115	6	are	be	AUX
gujaf-108	115	7	small	small	ADJ
gujaf-108	115	8	credits	credit	NOUN
gujaf-108	115	9	or	or	CCONJ
gujaf-108	115	10	smaller	small	ADJ
gujaf-108	115	11	scale	scale	NOUN
gujaf-108	115	12	advances	advance	NOUN
gujaf-108	115	13	offered	offer	VERB
gujaf-108	115	14	to	to	PART
gujaf-108	115	15	destitute	destitute	ADJ
gujaf-108	115	16	individuals	individual	NOUN
gujaf-108	115	17	or	or	CCONJ
gujaf-108	115	18	people	people	NOUN
gujaf-108	115	19	that	that	PRON
gujaf-108	115	20	have	have	VERB
gujaf-108	115	21	low	low	ADJ
gujaf-108	115	22	salary	salary	NOUN
gujaf-108	115	23	or	or	CCONJ
gujaf-108	115	24	are	be	AUX
gujaf-108	115	25	independently	independently	ADV
gujaf-108	115	26	employed	employ	VERB
gujaf-108	115	27	or	or	CCONJ
gujaf-108	115	28	working	work	VERB
gujaf-108	115	29	(	(	PUNCT
gujaf-108	115	30	olanike	olanike	PROPN
gujaf-108	115	31	&	&	CCONJ
gujaf-108	115	32	adebola	adebola	PROPN
gujaf-108	115	33	,	,	PUNCT
gujaf-108	115	34	2014	2014	NUM
gujaf-108	115	35	)	)	PUNCT
gujaf-108	115	36	.	.	PUNCT
gujaf-108	116	1	there	there	PRON
gujaf-108	116	2	are	be	VERB
gujaf-108	116	3	3	3	NUM
gujaf-108	116	4	classifications	classification	NOUN
gujaf-108	116	5	of	of	ADP
gujaf-108	116	6	mfbs	mfbs	NOUN
gujaf-108	116	7	in	in	ADP
gujaf-108	116	8	nigeria	nigeria	PROPN
gujaf-108	116	9	namely	namely	ADV
gujaf-108	116	10	unit	unit	NOUN
gujaf-108	116	11	bank	bank	PROPN
gujaf-108	116	12	,	,	PUNCT
gujaf-108	116	13	state	state	NOUN
gujaf-108	116	14	bank	bank	PROPN
gujaf-108	116	15	and	and	CCONJ
gujaf-108	116	16	national	national	PROPN
gujaf-108	116	17	bank	bank	PROPN
gujaf-108	116	18	unit	unit	NOUN
gujaf-108	116	19	mfbs	mfbs	NOUN
gujaf-108	116	20	are	be	AUX
gujaf-108	116	21	licensed	license	VERB
gujaf-108	116	22	to	to	PART
gujaf-108	116	23	operate	operate	VERB
gujaf-108	116	24	in	in	ADP
gujaf-108	116	25	only	only	ADV
gujaf-108	116	26	one	one	NUM
gujaf-108	116	27	location	location	NOUN
gujaf-108	116	28	,	,	PUNCT
gujaf-108	116	29	and	and	CCONJ
gujaf-108	116	30	also	also	ADV
gujaf-108	116	31	mandated	mandate	VERB
gujaf-108	116	32	to	to	PART
gujaf-108	116	33	have	have	VERB
gujaf-108	116	34	a	a	DET
gujaf-108	116	35	capital	capital	NOUN
gujaf-108	116	36	base	base	NOUN
gujaf-108	116	37	of	of	ADP
gujaf-108	116	38	n200million	n200million	NOUN
gujaf-108	116	39	.	.	PUNCT
gujaf-108	117	1	state	state	NOUN
gujaf-108	117	2	mfbs	mfbs	PROPN
gujaf-108	117	3	are	be	AUX
gujaf-108	117	4	licensed	license	VERB
gujaf-108	117	5	to	to	PART
gujaf-108	117	6	operate	operate	VERB
gujaf-108	117	7	in	in	ADP
gujaf-108	117	8	a	a	DET
gujaf-108	117	9	state	state	NOUN
gujaf-108	117	10	or	or	CCONJ
gujaf-108	117	11	abuja	abuja	PROPN
gujaf-108	117	12	,	,	PUNCT
gujaf-108	117	13	the	the	DET
gujaf-108	117	14	federal	federal	ADJ
gujaf-108	117	15	capital	capital	NOUN
gujaf-108	117	16	territory	territory	NOUN
gujaf-108	117	17	.	.	PUNCT
gujaf-108	118	1	their	their	PRON
gujaf-108	118	2	capital	capital	NOUN
gujaf-108	118	3	requisition	requisition	NOUN
gujaf-108	118	4	is	be	AUX
gujaf-108	118	5	n1billion	n1billion	NOUN
gujaf-108	118	6	and	and	CCONJ
gujaf-108	118	7	they	they	PRON
gujaf-108	118	8	are	be	AUX
gujaf-108	118	9	permitted	permit	VERB
gujaf-108	118	10	to	to	PART
gujaf-108	118	11	have	have	VERB
gujaf-108	118	12	branches	branch	NOUN
gujaf-108	118	13	opened	open	VERB
gujaf-108	118	14	within	within	ADP
gujaf-108	118	15	the	the	DET
gujaf-108	118	16	same	same	ADJ
gujaf-108	118	17	state	state	NOUN
gujaf-108	118	18	or	or	CCONJ
gujaf-108	118	19	abuja	abuja	PROPN
gujaf-108	118	20	,	,	PUNCT
gujaf-108	118	21	which	which	DET
gujaf-108	118	22	federal	federal	ADJ
gujaf-108	118	23	capital	capital	NOUN
gujaf-108	118	24	territory	territory	NOUN
gujaf-108	118	25	.	.	PUNCT
gujaf-108	119	1	national	national	PROPN
gujaf-108	119	2	mfb	mfb	PROPN
gujaf-108	119	3	are	be	AUX
gujaf-108	119	4	licensed	license	VERB
gujaf-108	119	5	for	for	ADP
gujaf-108	119	6	operation	operation	NOUN
gujaf-108	119	7	in	in	ADP
gujaf-108	119	8	more	more	ADJ
gujaf-108	119	9	than	than	ADP
gujaf-108	119	10	a	a	DET
gujaf-108	119	11	state	state	NOUN
gujaf-108	119	12	which	which	PRON
gujaf-108	119	13	including	include	VERB
gujaf-108	119	14	abuja	abuja	PROPN
gujaf-108	119	15	,	,	PUNCT
gujaf-108	119	16	the	the	DET
gujaf-108	119	17	federal	federal	ADJ
gujaf-108	119	18	capital	capital	NOUN
gujaf-108	119	19	territory	territory	NOUN
gujaf-108	119	20	.	.	PUNCT
gujaf-108	120	1	it	it	PRON
gujaf-108	120	2	is	be	AUX
gujaf-108	120	3	mandated	mandate	VERB
gujaf-108	120	4	to	to	PART
gujaf-108	120	5	have	have	AUX
gujaf-108	120	6	paid	pay	VERB
gujaf-108	120	7	-	-	PUNCT
gujaf-108	120	8	up	up	ADP
gujaf-108	120	9	capital	capital	NOUN
gujaf-108	120	10	base	base	NOUN
gujaf-108	120	11	of	of	ADP
gujaf-108	120	12	n5	n5	PROPN
gujaf-108	120	13	billion	billion	NUM
gujaf-108	120	14	.	.	PUNCT
gujaf-108	121	1	the	the	DET
gujaf-108	121	2	term	term	NOUN
gujaf-108	121	3	non	non	ADJ
gujaf-108	121	4	-	-	ADJ
gujaf-108	121	5	performing	performing	ADJ
gujaf-108	121	6	loans	loan	NOUN
gujaf-108	121	7	is	be	AUX
gujaf-108	121	8	used	use	VERB
gujaf-108	121	9	interchangeably	interchangeably	ADV
gujaf-108	121	10	with	with	ADP
gujaf-108	121	11	bad	bad	ADJ
gujaf-108	121	12	loans	loan	NOUN
gujaf-108	121	13	and	and	CCONJ
gujaf-108	121	14	impaired	impaired	ADJ
gujaf-108	121	15	loans	loan	NOUN
gujaf-108	121	16	as	as	SCONJ
gujaf-108	121	17	identified	identify	VERB
gujaf-108	121	18	in	in	ADP
gujaf-108	121	19	fofack	fofack	NOUN
gujaf-108	121	20	(	(	PUNCT
gujaf-108	121	21	2005	2005	NUM
gujaf-108	121	22	)	)	PUNCT
gujaf-108	121	23	.	.	PUNCT
gujaf-108	122	1	berger	berger	PROPN
gujaf-108	122	2	and	and	CCONJ
gujaf-108	122	3	de	de	X
gujaf-108	122	4	young	young	ADJ
gujaf-108	122	5	(	(	PUNCT
gujaf-108	122	6	1997	1997	NUM
gujaf-108	122	7	)	)	PUNCT
gujaf-108	122	8	also	also	ADV
gujaf-108	122	9	describes	describe	VERB
gujaf-108	122	10	these	these	DET
gujaf-108	122	11	types	type	NOUN
gujaf-108	122	12	of	of	ADP
gujaf-108	122	13	loans	loan	NOUN
gujaf-108	122	14	as	as	ADP
gujaf-108	122	15	“	"	PUNCT
gujaf-108	122	16	problem	problem	NOUN
gujaf-108	122	17	loans	loan	NOUN
gujaf-108	122	18	”	"	PUNCT
gujaf-108	122	19	in	in	ADP
gujaf-108	122	20	broad	broad	ADJ
gujaf-108	122	21	context	context	NOUN
gujaf-108	122	22	,	,	PUNCT
gujaf-108	122	23	loans	loan	NOUN
gujaf-108	122	24	that	that	PRON
gujaf-108	122	25	are	be	AUX
gujaf-108	122	26	outstanding	outstanding	ADJ
gujaf-108	122	27	in	in	ADP
gujaf-108	122	28	both	both	DET
gujaf-108	122	29	interest	interest	NOUN
gujaf-108	122	30	and	and	CCONJ
gujaf-108	122	31	principal	principal	NOUN
gujaf-108	122	32	for	for	ADP
gujaf-108	122	33	a	a	DET
gujaf-108	122	34	period	period	NOUN
gujaf-108	122	35	of	of	ADP
gujaf-108	122	36	time	time	NOUN
gujaf-108	122	37	contrary	contrary	ADJ
gujaf-108	122	38	to	to	ADP
gujaf-108	122	39	terms	term	NOUN
gujaf-108	122	40	and	and	CCONJ
gujaf-108	122	41	conditions	condition	NOUN
gujaf-108	122	42	spelt	spelt	VERB
gujaf-108	122	43	out	out	ADP
gujaf-108	122	44	in	in	ADP
gujaf-108	122	45	the	the	DET
gujaf-108	122	46	loan	loan	NOUN
gujaf-108	122	47	agreement	agreement	NOUN
gujaf-108	122	48	are	be	AUX
gujaf-108	122	49	considered	consider	VERB
gujaf-108	122	50	as	as	ADP
gujaf-108	122	51	non	non	ADJ
gujaf-108	122	52	-	-	ADJ
gujaf-108	122	53	performing	perform	VERB
gujaf-108	122	54	loans	loan	NOUN
gujaf-108	122	55	.	.	PUNCT
gujaf-108	123	1	addae	addae	NOUN
gujaf-108	123	2	-	-	PUNCT
gujaf-108	123	3	korankye	korankye	PROPN
gujaf-108	123	4	(	(	PUNCT
gujaf-108	123	5	2014	2014	NUM
gujaf-108	123	6	)	)	PUNCT
gujaf-108	123	7	defined	define	VERB
gujaf-108	123	8	non	non	ADJ
gujaf-108	123	9	-	-	ADJ
gujaf-108	123	10	performing	performing	ADJ
gujaf-108	123	11	loans	loan	NOUN
gujaf-108	123	12	as	as	ADP
gujaf-108	123	13	loans	loan	NOUN
gujaf-108	123	14	that	that	PRON
gujaf-108	123	15	have	have	AUX
gujaf-108	123	16	not	not	PART
gujaf-108	123	17	been	be	AUX
gujaf-108	123	18	repaid	repay	VERB
gujaf-108	123	19	for	for	ADP
gujaf-108	123	20	a	a	DET
gujaf-108	123	21	period	period	NOUN
gujaf-108	123	22	of	of	ADP
gujaf-108	123	23	ninety	ninety	NUM
gujaf-108	123	24	days	day	NOUN
gujaf-108	123	25	.	.	PUNCT
gujaf-108	124	1	microfinance	microfinance	NOUN
gujaf-108	124	2	banks	bank	NOUN
gujaf-108	124	3	are	be	AUX
gujaf-108	124	4	majorly	majorly	ADV
gujaf-108	124	5	known	know	VERB
gujaf-108	124	6	for	for	ADP
gujaf-108	124	7	their	their	PRON
gujaf-108	124	8	credit	credit	NOUN
gujaf-108	124	9	facilities	facility	NOUN
gujaf-108	124	10	functions	function	NOUN
gujaf-108	124	11	,	,	PUNCT
gujaf-108	124	12	with	with	ADP
gujaf-108	124	13	loans	loan	NOUN
gujaf-108	124	14	as	as	ADP
gujaf-108	124	15	their	their	PRON
gujaf-108	124	16	dominant	dominant	ADJ
gujaf-108	124	17	assets	asset	NOUN
gujaf-108	124	18	,	,	PUNCT
gujaf-108	124	19	representing	represent	VERB
gujaf-108	124	20	about	about	ADV
gujaf-108	124	21	seventy	seventy	NUM
gujaf-108	124	22	-	-	PUNCT
gujaf-108	124	23	five	five	NUM
gujaf-108	124	24	percent	percent	NOUN
gujaf-108	124	25	of	of	ADP
gujaf-108	124	26	their	their	PRON
gujaf-108	124	27	total	total	ADJ
gujaf-108	124	28	assets	asset	NOUN
gujaf-108	124	29	.	.	PUNCT
gujaf-108	125	1	the	the	DET
gujaf-108	125	2	implication	implication	NOUN
gujaf-108	125	3	of	of	ADP
gujaf-108	125	4	this	this	PRON
gujaf-108	125	5	is	be	AUX
gujaf-108	125	6	that	that	SCONJ
gujaf-108	125	7	loans	loan	NOUN
gujaf-108	125	8	stand	stand	VERB
gujaf-108	125	9	as	as	ADP
gujaf-108	125	10	the	the	DET
gujaf-108	125	11	operating	operate	VERB
gujaf-108	125	12	income	income	NOUN
gujaf-108	125	13	of	of	ADP
gujaf-108	125	14	microfinance	microfinance	NOUN
gujaf-108	125	15	banks	bank	NOUN
gujaf-108	125	16	,	,	PUNCT
gujaf-108	125	17	which	which	PRON
gujaf-108	125	18	may	may	AUX
gujaf-108	125	19	expose	expose	VERB
gujaf-108	125	20	them	they	PRON
gujaf-108	125	21	to	to	ADP
gujaf-108	125	22	higher	high	ADJ
gujaf-108	125	23	risks	risk	NOUN
gujaf-108	125	24	of	of	ADP
gujaf-108	125	25	failure	failure	NOUN
gujaf-108	125	26	if	if	SCONJ
gujaf-108	125	27	not	not	PART
gujaf-108	125	28	repaid	repay	VERB
gujaf-108	125	29	by	by	ADP
gujaf-108	125	30	borrowers	borrower	NOUN
gujaf-108	125	31	(	(	PUNCT
gujaf-108	125	32	nyarko	nyarko	NOUN
gujaf-108	125	33	-	-	PUNCT
gujaf-108	125	34	baasi	baasi	NOUN
gujaf-108	125	35	,	,	PUNCT
gujaf-108	125	36	2018	2018	NUM
gujaf-108	125	37	)	)	PUNCT
gujaf-108	125	38	.	.	PUNCT
gujaf-108	126	1	defaulted	default	VERB
gujaf-108	126	2	loans	loan	NOUN
gujaf-108	126	3	are	be	AUX
gujaf-108	126	4	not	not	PART
gujaf-108	126	5	favorable	favorable	ADJ
gujaf-108	126	6	to	to	ADP
gujaf-108	126	7	microfinance	microfinance	NOUN
gujaf-108	126	8	banks	bank	NOUN
gujaf-108	126	9	,	,	PUNCT
gujaf-108	126	10	especially	especially	ADV
gujaf-108	126	11	when	when	SCONJ
gujaf-108	126	12	the	the	DET
gujaf-108	126	13	amount	amount	NOUN
gujaf-108	126	14	involved	involve	VERB
gujaf-108	126	15	is	be	AUX
gujaf-108	126	16	high	high	ADJ
gujaf-108	126	17	.	.	PUNCT
gujaf-108	127	1	although	although	SCONJ
gujaf-108	127	2	securities	security	NOUN
gujaf-108	127	3	are	be	AUX
gujaf-108	127	4	held	hold	VERB
gujaf-108	127	5	for	for	ADP
gujaf-108	127	6	most	most	ADJ
gujaf-108	127	7	of	of	ADP
gujaf-108	127	8	the	the	DET
gujaf-108	127	9	loans	loan	NOUN
gujaf-108	127	10	granted	grant	VERB
gujaf-108	127	11	to	to	ADP
gujaf-108	127	12	borrowers	borrower	NOUN
gujaf-108	127	13	,	,	PUNCT
gujaf-108	127	14	there	there	PRON
gujaf-108	127	15	is	be	VERB
gujaf-108	127	16	uncertainties	uncertainty	NOUN
gujaf-108	127	17	surrounding	surround	VERB
gujaf-108	127	18	the	the	DET
gujaf-108	127	19	repayment	repayment	NOUN
gujaf-108	127	20	.	.	PUNCT
gujaf-108	128	1	therefore	therefore	ADV
gujaf-108	128	2	,	,	PUNCT
gujaf-108	128	3	it	it	PRON
gujaf-108	128	4	becomes	become	VERB
gujaf-108	128	5	a	a	DET
gujaf-108	128	6	non	non	ADJ
gujaf-108	128	7	-	-	ADJ
gujaf-108	128	8	performing	performing	ADJ
gujaf-108	128	9	loan	loan	NOUN
gujaf-108	128	10	when	when	SCONJ
gujaf-108	128	11	this	this	DET
gujaf-108	128	12	risk	risk	NOUN
gujaf-108	128	13	turns	turn	VERB
gujaf-108	128	14	out	out	ADP
gujaf-108	128	15	to	to	PART
gujaf-108	128	16	materialize	materialize	VERB
gujaf-108	128	17	.	.	PUNCT
gujaf-108	129	1	according	accord	VERB
gujaf-108	129	2	to	to	ADP
gujaf-108	129	3	the	the	DET
gujaf-108	129	4	cbn	cbn	PROPN
gujaf-108	129	5	prudential	prudential	PROPN
gujaf-108	129	6	guidelines	guidelines	PROPN
gujaf-108	129	7	,	,	PUNCT
gujaf-108	129	8	an	an	DET
gujaf-108	129	9	mfb	mfb	NOUN
gujaf-108	129	10	is	be	AUX
gujaf-108	129	11	not	not	PART
gujaf-108	129	12	permitted	permit	VERB
gujaf-108	129	13	to	to	PART
gujaf-108	129	14	fund	fund	VERB
gujaf-108	129	15	any	any	DET
gujaf-108	129	16	client	client	NOUN
gujaf-108	129	17	beyond	beyond	ADP
gujaf-108	129	18	7.5	7.5	NUM
gujaf-108	129	19	per	per	ADP
gujaf-108	129	20	cent	cent	NOUN
gujaf-108	129	21	of	of	ADP
gujaf-108	129	22	its	its	PRON
gujaf-108	129	23	shareholders	shareholder	NOUN
gujaf-108	129	24	funds	fund	NOUN
gujaf-108	129	25	unimpaired	unimpaire	VERB
gujaf-108	129	26	by	by	ADP
gujaf-108	129	27	losses	loss	NOUN
gujaf-108	129	28	.	.	PUNCT
gujaf-108	130	1	the	the	DET
gujaf-108	130	2	provisions	provision	NOUN
gujaf-108	130	3	for	for	ADP
gujaf-108	130	4	performing	perform	VERB
gujaf-108	130	5	and	and	CCONJ
gujaf-108	130	6	non	non	ADJ
gujaf-108	130	7	-	-	ADJ
gujaf-108	130	8	performing	performing	ADJ
gujaf-108	130	9	loans	loan	NOUN
gujaf-108	130	10	are	be	AUX
gujaf-108	130	11	also	also	ADV
gujaf-108	130	12	given	give	VERB
gujaf-108	130	13	in	in	ADP
gujaf-108	130	14	terms	term	NOUN
gujaf-108	130	15	of	of	ADP
gujaf-108	130	16	number	number	NOUN
gujaf-108	130	17	of	of	ADP
gujaf-108	130	18	days	day	NOUN
gujaf-108	130	19	of	of	ADP
gujaf-108	130	20	missed	miss	VERB
gujaf-108	130	21	payment	payment	NOUN
gujaf-108	130	22	,	,	PUNCT
gujaf-108	130	23	description	description	NOUN
gujaf-108	130	24	and	and	CCONJ
gujaf-108	130	25	allowance	allowance	NOUN
gujaf-108	130	26	for	for	ADP
gujaf-108	130	27	probable	probable	ADJ
gujaf-108	130	28	loss	loss	NOUN
gujaf-108	130	29	as	as	SCONJ
gujaf-108	130	30	follows	follow	VERB
gujaf-108	130	31	:	:	PUNCT
gujaf-108	130	32	table	table	NOUN
gujaf-108	130	33	1	1	NUM
gujaf-108	130	34	:	:	PUNCT
gujaf-108	130	35	provision	provision	NOUN
gujaf-108	130	36	for	for	ADP
gujaf-108	130	37	classified	classified	ADJ
gujaf-108	130	38	assets	asset	NOUN
gujaf-108	130	39	number	number	NOUN
gujaf-108	130	40	of	of	ADP
gujaf-108	130	41	days	day	NOUN
gujaf-108	130	42	of	of	ADP
gujaf-108	130	43	missed	miss	VERB
gujaf-108	130	44	payment	payment	NOUN
gujaf-108	130	45	description	description	NOUN
gujaf-108	130	46	allowance	allowance	NOUN
gujaf-108	130	47	for	for	ADP
gujaf-108	130	48	probable	probable	ADJ
gujaf-108	130	49	loss	loss	NOUN
gujaf-108	130	50	(	(	PUNCT
gujaf-108	130	51	%	%	NOUN
gujaf-108	130	52	)	)	PUNCT
gujaf-108	130	53	not	not	PART
gujaf-108	130	54	more	more	ADJ
gujaf-108	130	55	than	than	ADP
gujaf-108	130	56	30	30	NUM
gujaf-108	130	57	days	day	NOUN
gujaf-108	130	58	performing	perform	VERB
gujaf-108	130	59	1	1	NUM
gujaf-108	130	60	above	above	ADP
gujaf-108	130	61	30	30	NUM
gujaf-108	130	62	days	day	NOUN
gujaf-108	130	63	but	but	CCONJ
gujaf-108	130	64	less	less	ADJ
gujaf-108	130	65	than	than	ADP
gujaf-108	130	66	60	60	NUM
gujaf-108	130	67	days	day	NOUN
gujaf-108	130	68	pass	pass	VERB
gujaf-108	130	69	and	and	CCONJ
gujaf-108	130	70	watch	watch	VERB
gujaf-108	130	71	5	5	NUM
gujaf-108	130	72	at	at	ADV
gujaf-108	130	73	least	least	ADV
gujaf-108	130	74	60	60	NUM
gujaf-108	130	75	days	day	NOUN
gujaf-108	130	76	but	but	CCONJ
gujaf-108	130	77	not	not	PART
gujaf-108	130	78	more	more	ADJ
gujaf-108	130	79	than	than	ADP
gujaf-108	130	80	90	90	NUM
gujaf-108	130	81	days	day	NOUN
gujaf-108	130	82	substandard	substandard	ADJ
gujaf-108	130	83	20	20	NUM
gujaf-108	130	84	at	at	ADV
gujaf-108	130	85	least	least	ADV
gujaf-108	130	86	91	91	NUM
gujaf-108	130	87	days	day	NOUN
gujaf-108	130	88	but	but	CCONJ
gujaf-108	130	89	not	not	PART
gujaf-108	130	90	more	more	ADJ
gujaf-108	130	91	than	than	ADP
gujaf-108	130	92	180	180	NUM
gujaf-108	130	93	days	day	NOUN
gujaf-108	130	94	doubtful	doubtful	ADJ
gujaf-108	130	95	50	50	NUM
gujaf-108	130	96	4	4	NUM
gujaf-108	130	97	more	more	ADJ
gujaf-108	130	98	than	than	ADP
gujaf-108	130	99	180	180	NUM
gujaf-108	130	100	days	day	NOUN
gujaf-108	130	101	lost	lose	VERB
gujaf-108	130	102	100	100	NUM
gujaf-108	130	103	source	source	NOUN
gujaf-108	130	104	:	:	PUNCT
gujaf-108	130	105	central	central	ADJ
gujaf-108	130	106	bank	bank	PROPN
gujaf-108	130	107	of	of	ADP
gujaf-108	130	108	nigeria	nigeria	PROPN
gujaf-108	130	109	,	,	PUNCT
gujaf-108	130	110	2019	2019	NUM
gujaf-108	130	111	according	accord	VERB
gujaf-108	130	112	to	to	ADP
gujaf-108	130	113	this	this	DET
gujaf-108	130	114	requirement	requirement	NOUN
gujaf-108	130	115	,	,	PUNCT
gujaf-108	130	116	any	any	DET
gujaf-108	130	117	loan	loan	NOUN
gujaf-108	130	118	with	with	ADP
gujaf-108	130	119	not	not	PART
gujaf-108	130	120	more	more	ADJ
gujaf-108	130	121	than	than	ADP
gujaf-108	130	122	30	30	NUM
gujaf-108	130	123	days	day	NOUN
gujaf-108	130	124	of	of	ADP
gujaf-108	130	125	unpaid	unpaid	ADJ
gujaf-108	130	126	principal	principal	NOUN
gujaf-108	130	127	and/or	and/or	CCONJ
gujaf-108	130	128	interest	interest	NOUN
gujaf-108	130	129	is	be	AUX
gujaf-108	130	130	considered	consider	VERB
gujaf-108	130	131	as	as	ADP
gujaf-108	130	132	a	a	DET
gujaf-108	130	133	performing	perform	VERB
gujaf-108	130	134	loan	loan	NOUN
gujaf-108	130	135	and	and	CCONJ
gujaf-108	130	136	there	there	PRON
gujaf-108	130	137	is	be	VERB
gujaf-108	130	138	only	only	ADV
gujaf-108	130	139	a	a	DET
gujaf-108	130	140	1	1	NUM
gujaf-108	130	141	%	%	NOUN
gujaf-108	130	142	allowance	allowance	NOUN
gujaf-108	130	143	for	for	ADP
gujaf-108	130	144	probable	probable	ADJ
gujaf-108	130	145	loss	loss	NOUN
gujaf-108	130	146	for	for	ADP
gujaf-108	130	147	such	such	ADJ
gujaf-108	130	148	loans	loan	NOUN
gujaf-108	130	149	;	;	PUNCT
gujaf-108	130	150	a	a	DET
gujaf-108	130	151	loan	loan	NOUN
gujaf-108	130	152	with	with	ADP
gujaf-108	130	153	above	above	ADP
gujaf-108	130	154	30	30	NUM
gujaf-108	130	155	but	but	CCONJ
gujaf-108	130	156	less	less	ADJ
gujaf-108	130	157	than	than	ADP
gujaf-108	130	158	60	60	NUM
gujaf-108	130	159	days	day	NOUN
gujaf-108	130	160	of	of	ADP
gujaf-108	130	161	unpaid	unpaid	ADJ
gujaf-108	130	162	principal	principal	NOUN
gujaf-108	130	163	and/or	and/or	CCONJ
gujaf-108	130	164	interest	interest	NOUN
gujaf-108	130	165	is	be	AUX
gujaf-108	130	166	considered	consider	VERB
gujaf-108	130	167	as	as	ADP
gujaf-108	130	168	a	a	DET
gujaf-108	130	169	pass	pass	NOUN
gujaf-108	130	170	and	and	CCONJ
gujaf-108	130	171	watch	watch	VERB
gujaf-108	130	172	loan	loan	NOUN
gujaf-108	130	173	and	and	CCONJ
gujaf-108	130	174	there	there	PRON
gujaf-108	130	175	is	be	VERB
gujaf-108	130	176	a	a	DET
gujaf-108	130	177	5	5	NUM
gujaf-108	130	178	%	%	NOUN
gujaf-108	130	179	allowance	allowance	NOUN
gujaf-108	130	180	for	for	ADP
gujaf-108	130	181	probable	probable	ADJ
gujaf-108	130	182	loss	loss	NOUN
gujaf-108	130	183	for	for	ADP
gujaf-108	130	184	such	such	ADJ
gujaf-108	130	185	loans	loan	NOUN
gujaf-108	130	186	;	;	PUNCT
gujaf-108	130	187	a	a	DET
gujaf-108	130	188	loan	loan	NOUN
gujaf-108	130	189	with	with	ADP
gujaf-108	130	190	61	61	NUM
gujaf-108	130	191	to	to	PART
gujaf-108	130	192	90	90	NUM
gujaf-108	130	193	days	day	NOUN
gujaf-108	130	194	of	of	ADP
gujaf-108	130	195	unpaid	unpaid	ADJ
gujaf-108	130	196	principal	principal	NOUN
gujaf-108	130	197	and/or	and/or	CCONJ
gujaf-108	130	198	interest	interest	NOUN
gujaf-108	130	199	is	be	AUX
gujaf-108	130	200	considered	consider	VERB
gujaf-108	130	201	as	as	ADP
gujaf-108	130	202	a	a	DET
gujaf-108	130	203	substandard	substandard	ADJ
gujaf-108	130	204	loan	loan	NOUN
gujaf-108	130	205	and	and	CCONJ
gujaf-108	130	206	there	there	PRON
gujaf-108	130	207	is	be	VERB
gujaf-108	130	208	a	a	DET
gujaf-108	130	209	20	20	NUM
gujaf-108	130	210	%	%	NOUN
gujaf-108	130	211	allowance	allowance	NOUN
gujaf-108	130	212	for	for	ADP
gujaf-108	130	213	probable	probable	ADJ
gujaf-108	130	214	loss	loss	NOUN
gujaf-108	130	215	for	for	ADP
gujaf-108	130	216	such	such	ADJ
gujaf-108	130	217	loans	loan	NOUN
gujaf-108	130	218	;	;	PUNCT
gujaf-108	130	219	a	a	DET
gujaf-108	130	220	loan	loan	NOUN
gujaf-108	130	221	with	with	ADP
gujaf-108	130	222	91	91	NUM
gujaf-108	130	223	to	to	PART
gujaf-108	130	224	180	180	NUM
gujaf-108	130	225	days	day	NOUN
gujaf-108	130	226	of	of	ADP
gujaf-108	130	227	unpaid	unpaid	ADJ
gujaf-108	130	228	principal	principal	NOUN
gujaf-108	130	229	and/or	and/or	CCONJ
gujaf-108	130	230	interest	interest	NOUN
gujaf-108	130	231	is	be	AUX
gujaf-108	130	232	considered	consider	VERB
gujaf-108	130	233	as	as	ADP
gujaf-108	130	234	a	a	DET
gujaf-108	130	235	doubtful	doubtful	ADJ
gujaf-108	130	236	loan	loan	NOUN
gujaf-108	130	237	and	and	CCONJ
gujaf-108	130	238	there	there	PRON
gujaf-108	130	239	is	be	VERB
gujaf-108	130	240	a	a	DET
gujaf-108	130	241	50	50	NUM
gujaf-108	130	242	%	%	NOUN
gujaf-108	130	243	allowance	allowance	NOUN
gujaf-108	130	244	for	for	ADP
gujaf-108	130	245	probable	probable	ADJ
gujaf-108	130	246	loss	loss	NOUN
gujaf-108	130	247	for	for	ADP
gujaf-108	130	248	such	such	ADJ
gujaf-108	130	249	loans	loan	NOUN
gujaf-108	130	250	;	;	PUNCT
gujaf-108	130	251	and	and	CCONJ
gujaf-108	130	252	a	a	DET
gujaf-108	130	253	loan	loan	NOUN
gujaf-108	130	254	with	with	ADP
gujaf-108	130	255	above	above	ADP
gujaf-108	130	256	180	180	NUM
gujaf-108	130	257	days	day	NOUN
gujaf-108	130	258	of	of	ADP
gujaf-108	130	259	unpaid	unpaid	ADJ
gujaf-108	130	260	principal	principal	NOUN
gujaf-108	130	261	and/or	and/or	CCONJ
gujaf-108	130	262	interest	interest	NOUN
gujaf-108	130	263	of	of	ADP
gujaf-108	130	264	missed	miss	VERB
gujaf-108	130	265	payment	payment	NOUN
gujaf-108	130	266	is	be	AUX
gujaf-108	130	267	considered	consider	VERB
gujaf-108	130	268	as	as	ADP
gujaf-108	130	269	a	a	DET
gujaf-108	130	270	lost	lost	ADJ
gujaf-108	130	271	loan	loan	NOUN
gujaf-108	130	272	and	and	CCONJ
gujaf-108	130	273	there	there	PRON
gujaf-108	130	274	is	be	VERB
gujaf-108	130	275	a	a	DET
gujaf-108	130	276	100	100	NUM
gujaf-108	130	277	%	%	NOUN
gujaf-108	130	278	allowance	allowance	NOUN
gujaf-108	130	279	for	for	ADP
gujaf-108	130	280	probable	probable	ADJ
gujaf-108	130	281	loss	loss	NOUN
gujaf-108	130	282	for	for	ADP
gujaf-108	130	283	such	such	ADJ
gujaf-108	130	284	loans	loan	NOUN
gujaf-108	130	285	.	.	PUNCT
gujaf-108	131	1	given	give	VERB
gujaf-108	131	2	these	these	DET
gujaf-108	131	3	classifications	classification	NOUN
gujaf-108	131	4	,	,	PUNCT
gujaf-108	131	5	all	all	DET
gujaf-108	131	6	mfbs	mfbs	NOUN
gujaf-108	131	7	are	be	AUX
gujaf-108	131	8	required	require	VERB
gujaf-108	131	9	to	to	PART
gujaf-108	131	10	review	review	VERB
gujaf-108	131	11	their	their	PRON
gujaf-108	131	12	loans	loan	NOUN
gujaf-108	131	13	and	and	CCONJ
gujaf-108	131	14	advances	advance	NOUN
gujaf-108	131	15	and	and	CCONJ
gujaf-108	131	16	other	other	ADJ
gujaf-108	131	17	assets	asset	NOUN
gujaf-108	131	18	at	at	ADP
gujaf-108	131	19	least	least	ADJ
gujaf-108	131	20	once	once	ADV
gujaf-108	131	21	every	every	DET
gujaf-108	131	22	thirty	thirty	NUM
gujaf-108	131	23	days	day	NOUN
gujaf-108	131	24	,	,	PUNCT
gujaf-108	131	25	and	and	CCONJ
gujaf-108	131	26	make	make	VERB
gujaf-108	131	27	appropriate	appropriate	ADJ
gujaf-108	131	28	provisions	provision	NOUN
gujaf-108	131	29	.	.	PUNCT
gujaf-108	132	1	lending	lending	NOUN
gujaf-108	132	2	policy	policy	NOUN
gujaf-108	132	3	is	be	AUX
gujaf-108	132	4	a	a	DET
gujaf-108	132	5	set	set	NOUN
gujaf-108	132	6	of	of	ADP
gujaf-108	132	7	guidelines	guideline	NOUN
gujaf-108	132	8	and	and	CCONJ
gujaf-108	132	9	criteria	criterion	NOUN
gujaf-108	132	10	developed	develop	VERB
gujaf-108	132	11	by	by	ADP
gujaf-108	132	12	a	a	DET
gujaf-108	132	13	bank	bank	NOUN
gujaf-108	132	14	and	and	CCONJ
gujaf-108	132	15	used	use	VERB
gujaf-108	132	16	by	by	ADP
gujaf-108	132	17	its	its	PRON
gujaf-108	132	18	employees	employee	NOUN
gujaf-108	132	19	to	to	PART
gujaf-108	132	20	determine	determine	VERB
gujaf-108	132	21	whether	whether	SCONJ
gujaf-108	132	22	an	an	DET
gujaf-108	132	23	application	application	NOUN
gujaf-108	132	24	for	for	ADP
gujaf-108	132	25	a	a	DET
gujaf-108	132	26	loan	loan	NOUN
gujaf-108	132	27	should	should	AUX
gujaf-108	132	28	be	be	AUX
gujaf-108	132	29	granted	grant	VERB
gujaf-108	132	30	or	or	CCONJ
gujaf-108	132	31	turned	turn	VERB
gujaf-108	132	32	down	down	ADP
gujaf-108	132	33	.	.	PUNCT
gujaf-108	133	1	it	it	PRON
gujaf-108	133	2	is	be	AUX
gujaf-108	133	3	also	also	ADV
gujaf-108	133	4	known	know	VERB
gujaf-108	133	5	as	as	ADP
gujaf-108	133	6	a	a	DET
gujaf-108	133	7	statement	statement	NOUN
gujaf-108	133	8	of	of	ADP
gujaf-108	133	9	philosophy	philosophy	NOUN
gujaf-108	133	10	,	,	PUNCT
gujaf-108	133	11	standards	standard	NOUN
gujaf-108	133	12	,	,	PUNCT
gujaf-108	133	13	and	and	CCONJ
gujaf-108	133	14	guidelines	guideline	NOUN
gujaf-108	133	15	that	that	PRON
gujaf-108	133	16	its	its	PRON
gujaf-108	133	17	employees	employee	NOUN
gujaf-108	133	18	must	must	AUX
gujaf-108	133	19	observe	observe	VERB
gujaf-108	133	20	in	in	ADP
gujaf-108	133	21	granting	grant	VERB
gujaf-108	133	22	or	or	CCONJ
gujaf-108	133	23	refusing	refuse	VERB
gujaf-108	133	24	a	a	DET
gujaf-108	133	25	lending	lending	NOUN
gujaf-108	133	26	request	request	NOUN
gujaf-108	133	27	(	(	PUNCT
gujaf-108	133	28	jacobson	jacobson	PROPN
gujaf-108	133	29	and	and	CCONJ
gujaf-108	133	30	roszbach	roszbach	NOUN
gujaf-108	133	31	,	,	PUNCT
gujaf-108	133	32	1998	1998	NUM
gujaf-108	133	33	)	)	PUNCT
gujaf-108	133	34	.	.	PUNCT
gujaf-108	134	1	based	base	VERB
gujaf-108	134	2	on	on	ADP
gujaf-108	134	3	the	the	DET
gujaf-108	134	4	previous	previous	ADJ
gujaf-108	134	5	studies	study	NOUN
gujaf-108	134	6	,	,	PUNCT
gujaf-108	134	7	lending	lending	NOUN
gujaf-108	134	8	policy	policy	NOUN
gujaf-108	134	9	components	component	NOUN
gujaf-108	134	10	include	include	VERB
gujaf-108	134	11	but	but	CCONJ
gujaf-108	134	12	not	not	PART
gujaf-108	134	13	limited	limit	VERB
gujaf-108	134	14	to	to	ADP
gujaf-108	134	15	credit	credit	NOUN
gujaf-108	134	16	appraisal	appraisal	NOUN
gujaf-108	134	17	procedure	procedure	NOUN
gujaf-108	134	18	policy	policy	NOUN
gujaf-108	134	19	,	,	PUNCT
gujaf-108	134	20	credit	credit	NOUN
gujaf-108	134	21	portfolio	portfolio	NOUN
gujaf-108	134	22	planning	planning	NOUN
gujaf-108	134	23	and	and	CCONJ
gujaf-108	134	24	management	management	NOUN
gujaf-108	134	25	policy	policy	NOUN
gujaf-108	134	26	,	,	PUNCT
gujaf-108	134	27	collection	collection	NOUN
gujaf-108	134	28	policy	policy	NOUN
gujaf-108	134	29	and	and	CCONJ
gujaf-108	134	30	interest	interest	NOUN
gujaf-108	134	31	rates	rate	NOUN
gujaf-108	134	32	policy	policy	NOUN
gujaf-108	134	33	.	.	PUNCT
gujaf-108	135	1	this	this	DET
gujaf-108	135	2	study	study	NOUN
gujaf-108	135	3	only	only	ADV
gujaf-108	135	4	considers	consider	VERB
gujaf-108	135	5	two	two	NUM
gujaf-108	135	6	prominent	prominent	ADJ
gujaf-108	135	7	policies	policy	NOUN
gujaf-108	135	8	that	that	PRON
gujaf-108	135	9	is	be	AUX
gujaf-108	135	10	credit	credit	NOUN
gujaf-108	135	11	appraisal	appraisal	NOUN
gujaf-108	135	12	policy	policy	NOUN
gujaf-108	135	13	and	and	CCONJ
gujaf-108	135	14	collection	collection	NOUN
gujaf-108	135	15	policy	policy	NOUN
gujaf-108	135	16	.	.	PUNCT
gujaf-108	136	1	the	the	DET
gujaf-108	136	2	former	former	NOUN
gujaf-108	136	3	has	have	VERB
gujaf-108	136	4	to	to	PART
gujaf-108	136	5	do	do	VERB
gujaf-108	136	6	with	with	ADP
gujaf-108	136	7	how	how	SCONJ
gujaf-108	136	8	a	a	DET
gujaf-108	136	9	lender	lender	NOUN
gujaf-108	136	10	appraises	appraise	VERB
gujaf-108	136	11	the	the	DET
gujaf-108	136	12	technical	technical	ADJ
gujaf-108	136	13	feasibility	feasibility	NOUN
gujaf-108	136	14	,	,	PUNCT
gujaf-108	136	15	economic	economic	ADJ
gujaf-108	136	16	viability	viability	NOUN
gujaf-108	136	17	and	and	CCONJ
gujaf-108	136	18	bankability	bankability	NOUN
gujaf-108	136	19	including	include	VERB
gujaf-108	136	20	creditworthiness	creditworthiness	NOUN
gujaf-108	136	21	of	of	ADP
gujaf-108	136	22	the	the	DET
gujaf-108	136	23	prospective	prospective	ADJ
gujaf-108	136	24	borrower	borrower	NOUN
gujaf-108	136	25	.	.	PUNCT
gujaf-108	137	1	the	the	DET
gujaf-108	137	2	latter	latter	ADJ
gujaf-108	137	3	systemizes	systemize	VERB
gujaf-108	137	4	the	the	DET
gujaf-108	137	5	steps	step	NOUN
gujaf-108	137	6	taken	take	VERB
gujaf-108	137	7	to	to	PART
gujaf-108	137	8	recover	recover	VERB
gujaf-108	137	9	amounts	amount	NOUN
gujaf-108	137	10	due	due	ADJ
gujaf-108	137	11	prior	prior	ADV
gujaf-108	137	12	to	to	ADP
gujaf-108	137	13	litigation	litigation	NOUN
gujaf-108	137	14	.	.	PUNCT
gujaf-108	138	1	this	this	PRON
gujaf-108	138	2	includes	include	VERB
gujaf-108	138	3	:	:	PUNCT
gujaf-108	138	4	when	when	SCONJ
gujaf-108	138	5	costumers	costumer	NOUN
gujaf-108	138	6	should	should	AUX
gujaf-108	138	7	be	be	AUX
gujaf-108	138	8	contacted	contact	VERB
gujaf-108	138	9	,	,	PUNCT
gujaf-108	138	10	how	how	SCONJ
gujaf-108	138	11	they	they	PRON
gujaf-108	138	12	should	should	AUX
gujaf-108	138	13	be	be	AUX
gujaf-108	138	14	contacted	contact	VERB
gujaf-108	138	15	,	,	PUNCT
gujaf-108	138	16	how	how	SCONJ
gujaf-108	138	17	disputes	dispute	NOUN
gujaf-108	138	18	are	be	AUX
gujaf-108	138	19	resolved	resolve	VERB
gujaf-108	138	20	,	,	PUNCT
gujaf-108	138	21	when	when	SCONJ
gujaf-108	138	22	internal	internal	ADJ
gujaf-108	138	23	or	or	CCONJ
gujaf-108	138	24	external	external	ADJ
gujaf-108	138	25	“	"	PUNCT
gujaf-108	138	26	collectors	collector	NOUN
gujaf-108	138	27	are	be	AUX
gujaf-108	138	28	used	use	VERB
gujaf-108	138	29	to	to	PART
gujaf-108	138	30	step	step	VERB
gujaf-108	138	31	-	-	PUNCT
gujaf-108	138	32	up	up	ADP
gujaf-108	138	33	collection	collection	NOUN
gujaf-108	138	34	efforts	effort	NOUN
gujaf-108	138	35	,	,	PUNCT
gujaf-108	138	36	when	when	SCONJ
gujaf-108	138	37	and	and	CCONJ
gujaf-108	138	38	whether	whether	SCONJ
gujaf-108	138	39	to	to	PART
gujaf-108	138	40	turn	turn	VERB
gujaf-108	138	41	the	the	DET
gujaf-108	138	42	account	account	NOUN
gujaf-108	138	43	over	over	ADP
gujaf-108	138	44	to	to	ADP
gujaf-108	138	45	litigation	litigation	NOUN
gujaf-108	138	46	or	or	CCONJ
gujaf-108	138	47	writeoff	writeoff	VERB
gujaf-108	138	48	the	the	DET
gujaf-108	138	49	debt	debt	NOUN
gujaf-108	138	50	.	.	PUNCT
gujaf-108	139	1	theoretically	theoretically	ADV
gujaf-108	139	2	,	,	PUNCT
gujaf-108	139	3	study	study	NOUN
gujaf-108	139	4	is	be	AUX
gujaf-108	139	5	rooted	root	VERB
gujaf-108	139	6	in	in	ADP
gujaf-108	139	7	the	the	DET
gujaf-108	139	8	postulations	postulation	NOUN
gujaf-108	139	9	of	of	ADP
gujaf-108	139	10	the	the	DET
gujaf-108	139	11	institutional	institutional	ADJ
gujaf-108	139	12	theory	theory	NOUN
gujaf-108	139	13	regarding	regard	VERB
gujaf-108	139	14	the	the	DET
gujaf-108	139	15	importance	importance	NOUN
gujaf-108	139	16	of	of	ADP
gujaf-108	139	17	strong	strong	ADJ
gujaf-108	139	18	institutions	institution	NOUN
gujaf-108	139	19	in	in	ADP
gujaf-108	139	20	creating	create	VERB
gujaf-108	139	21	rules	rule	NOUN
gujaf-108	139	22	guiding	guide	VERB
gujaf-108	139	23	economic	economic	ADJ
gujaf-108	139	24	activities	activity	NOUN
gujaf-108	139	25	to	to	PART
gujaf-108	139	26	achieve	achieve	VERB
gujaf-108	139	27	legitimate	legitimate	ADJ
gujaf-108	139	28	outcomes	outcome	NOUN
gujaf-108	139	29	which	which	PRON
gujaf-108	139	30	may	may	AUX
gujaf-108	139	31	not	not	PART
gujaf-108	139	32	be	be	AUX
gujaf-108	139	33	efficient	efficient	ADJ
gujaf-108	139	34	ones	one	NOUN
gujaf-108	139	35	.	.	PUNCT
gujaf-108	140	1	strong	strong	ADJ
gujaf-108	140	2	institutions	institution	NOUN
gujaf-108	140	3	give	give	VERB
gujaf-108	140	4	birth	birth	NOUN
gujaf-108	140	5	to	to	ADP
gujaf-108	140	6	effective	effective	ADJ
gujaf-108	140	7	policies	policy	NOUN
gujaf-108	140	8	that	that	PRON
gujaf-108	140	9	can	can	AUX
gujaf-108	140	10	guide	guide	VERB
gujaf-108	140	11	corporate	corporate	ADJ
gujaf-108	140	12	activities	activity	NOUN
gujaf-108	140	13	,	,	PUNCT
gujaf-108	140	14	specifically	specifically	ADV
gujaf-108	140	15	in	in	ADP
gujaf-108	140	16	this	this	DET
gujaf-108	140	17	case	case	NOUN
gujaf-108	140	18	,	,	PUNCT
gujaf-108	140	19	the	the	DET
gujaf-108	140	20	lending	lending	NOUN
gujaf-108	140	21	process	process	NOUN
gujaf-108	140	22	.	.	PUNCT
gujaf-108	141	1	when	when	SCONJ
gujaf-108	141	2	the	the	DET
gujaf-108	141	3	rules	rule	NOUN
gujaf-108	141	4	of	of	ADP
gujaf-108	141	5	the	the	DET
gujaf-108	141	6	„	„	PUNCT
gujaf-108	141	7	lending	lending	NOUN
gujaf-108	141	8	game‟	game‟	PROPN
gujaf-108	141	9	are	be	AUX
gujaf-108	141	10	strong	strong	ADJ
gujaf-108	141	11	,	,	PUNCT
gujaf-108	141	12	effective	effective	ADJ
gujaf-108	141	13	policies	policy	NOUN
gujaf-108	141	14	such	such	ADJ
gujaf-108	141	15	as	as	ADP
gujaf-108	141	16	those	those	PRON
gujaf-108	141	17	related	relate	VERB
gujaf-108	141	18	to	to	ADP
gujaf-108	141	19	credit	credit	NOUN
gujaf-108	141	20	appraisal	appraisal	NOUN
gujaf-108	141	21	,	,	PUNCT
gujaf-108	141	22	management	management	NOUN
gujaf-108	141	23	,	,	PUNCT
gujaf-108	141	24	collection	collection	NOUN
gujaf-108	141	25	and	and	CCONJ
gujaf-108	141	26	interest	interest	NOUN
gujaf-108	141	27	rates	rate	NOUN
gujaf-108	141	28	are	be	AUX
gujaf-108	141	29	developed	develop	VERB
gujaf-108	141	30	to	to	PART
gujaf-108	141	31	ensure	ensure	VERB
gujaf-108	141	32	appropriate	appropriate	ADJ
gujaf-108	141	33	checks	check	NOUN
gujaf-108	141	34	are	be	AUX
gujaf-108	141	35	in	in	ADP
gujaf-108	141	36	place	place	NOUN
gujaf-108	141	37	to	to	PART
gujaf-108	141	38	guarantee	guarantee	VERB
gujaf-108	141	39	a	a	DET
gujaf-108	141	40	good	good	ADJ
gujaf-108	141	41	loan	loan	NOUN
gujaf-108	141	42	performance	performance	NOUN
gujaf-108	141	43	which	which	PRON
gujaf-108	141	44	ensures	ensure	VERB
gujaf-108	141	45	borrowers	borrower	NOUN
gujaf-108	141	46	pay	pay	VERB
gujaf-108	141	47	back	back	ADP
gujaf-108	141	48	the	the	DET
gujaf-108	141	49	borrowed	borrow	VERB
gujaf-108	141	50	financial	financial	ADJ
gujaf-108	141	51	facilities	facility	NOUN
gujaf-108	141	52	.	.	PUNCT
gujaf-108	142	1	wondimagegnehu	wondimagegnehu	PROPN
gujaf-108	142	2	(	(	PUNCT
gujaf-108	142	3	2012	2012	NUM
gujaf-108	142	4	)	)	PUNCT
gujaf-108	142	5	examine	examine	VERB
gujaf-108	142	6	the	the	DET
gujaf-108	142	7	factors	factor	NOUN
gujaf-108	142	8	that	that	PRON
gujaf-108	142	9	account	account	VERB
gujaf-108	142	10	for	for	ADP
gujaf-108	142	11	of	of	ADP
gujaf-108	142	12	loans	loan	NOUN
gujaf-108	142	13	performance	performance	NOUN
gujaf-108	142	14	status	status	NOUN
gujaf-108	142	15	in	in	ADP
gujaf-108	142	16	ethiopia	ethiopia	PROPN
gujaf-108	142	17	.	.	PUNCT
gujaf-108	143	1	the	the	DET
gujaf-108	143	2	mixed	mixed	ADJ
gujaf-108	143	3	research	research	NOUN
gujaf-108	143	4	approach	approach	NOUN
gujaf-108	143	5	was	be	AUX
gujaf-108	143	6	adopted	adopt	VERB
gujaf-108	143	7	for	for	ADP
gujaf-108	143	8	the	the	DET
gujaf-108	143	9	study	study	NOUN
gujaf-108	143	10	.	.	PUNCT
gujaf-108	144	1	survey	survey	NOUN
gujaf-108	144	2	was	be	AUX
gujaf-108	144	3	conducted	conduct	VERB
gujaf-108	144	4	with	with	ADP
gujaf-108	144	5	professionals	professional	NOUN
gujaf-108	144	6	engaged	engage	VERB
gujaf-108	144	7	in	in	ADP
gujaf-108	144	8	both	both	CCONJ
gujaf-108	144	9	private	private	ADJ
gujaf-108	144	10	and	and	CCONJ
gujaf-108	144	11	state	state	NOUN
gujaf-108	144	12	-	-	PUNCT
gujaf-108	144	13	owned	own	VERB
gujaf-108	144	14	banks	bank	NOUN
gujaf-108	144	15	in	in	ADP
gujaf-108	144	16	ethiopia	ethiopia	PROPN
gujaf-108	144	17	holding	hold	VERB
gujaf-108	144	18	different	different	ADJ
gujaf-108	144	19	positions	position	NOUN
gujaf-108	144	20	using	use	VERB
gujaf-108	144	21	a	a	DET
gujaf-108	144	22	self	self	NOUN
gujaf-108	144	23	-	-	PUNCT
gujaf-108	144	24	administered	administer	VERB
gujaf-108	144	25	questionnaire	questionnaire	NOUN
gujaf-108	144	26	.	.	PUNCT
gujaf-108	145	1	in	in	ADP
gujaf-108	145	2	addition	addition	NOUN
gujaf-108	145	3	,	,	PUNCT
gujaf-108	145	4	the	the	DET
gujaf-108	145	5	study	study	NOUN
gujaf-108	145	6	used	use	VERB
gujaf-108	145	7	structured	structured	ADJ
gujaf-108	145	8	review	review	NOUN
gujaf-108	145	9	of	of	ADP
gujaf-108	145	10	documents	document	NOUN
gujaf-108	145	11	and	and	CCONJ
gujaf-108	145	12	records	record	NOUN
gujaf-108	145	13	of	of	ADP
gujaf-108	145	14	banks	bank	NOUN
gujaf-108	145	15	and	and	CCONJ
gujaf-108	145	16	in	in	ADP
gujaf-108	145	17	-	-	PUNCT
gujaf-108	145	18	depth	depth	NOUN
gujaf-108	145	19	interview	interview	NOUN
gujaf-108	145	20	of	of	ADP
gujaf-108	145	21	senior	senior	ADJ
gujaf-108	145	22	bank	bank	NOUN
gujaf-108	145	23	officials	official	NOUN
gujaf-108	145	24	in	in	ADP
gujaf-108	145	25	the	the	DET
gujaf-108	145	26	ethiopian	ethiopian	ADJ
gujaf-108	145	27	banking	banking	NOUN
gujaf-108	145	28	industry	industry	NOUN
gujaf-108	145	29	.	.	PUNCT
gujaf-108	146	1	the	the	DET
gujaf-108	146	2	findings	finding	NOUN
gujaf-108	146	3	of	of	ADP
gujaf-108	146	4	the	the	DET
gujaf-108	146	5	study	study	NOUN
gujaf-108	146	6	showed	show	VERB
gujaf-108	146	7	that	that	SCONJ
gujaf-108	146	8	poor	poor	ADJ
gujaf-108	146	9	credit	credit	NOUN
gujaf-108	146	10	assessment	assessment	NOUN
gujaf-108	146	11	,	,	PUNCT
gujaf-108	146	12	failed	fail	VERB
gujaf-108	146	13	loan	loan	NOUN
gujaf-108	146	14	monitoring	monitoring	NOUN
gujaf-108	146	15	,	,	PUNCT
gujaf-108	146	16	underdeveloped	underdeveloped	ADJ
gujaf-108	146	17	credit	credit	NOUN
gujaf-108	146	18	culture	culture	NOUN
gujaf-108	146	19	,	,	PUNCT
gujaf-108	146	20	lenient	lenient	ADJ
gujaf-108	146	21	credit	credit	NOUN
gujaf-108	146	22	terms	term	NOUN
gujaf-108	146	23	and	and	CCONJ
gujaf-108	146	24	conditions	condition	NOUN
gujaf-108	146	25	,	,	PUNCT
gujaf-108	146	26	aggressive	aggressive	ADJ
gujaf-108	146	27	lending	lending	NOUN
gujaf-108	146	28	,	,	PUNCT
gujaf-108	146	29	compromised	compromise	VERB
gujaf-108	146	30	integrity	integrity	NOUN
gujaf-108	146	31	,	,	PUNCT
gujaf-108	146	32	weak	weak	ADJ
gujaf-108	146	33	institutional	institutional	ADJ
gujaf-108	146	34	capacity	capacity	NOUN
gujaf-108	146	35	,	,	PUNCT
gujaf-108	146	36	unfair	unfair	ADJ
gujaf-108	146	37	5	5	NUM
gujaf-108	146	38	competition	competition	NOUN
gujaf-108	146	39	among	among	ADP
gujaf-108	146	40	banks	bank	NOUN
gujaf-108	146	41	,	,	PUNCT
gujaf-108	146	42	willful	willful	ADJ
gujaf-108	146	43	default	default	NOUN
gujaf-108	146	44	by	by	ADP
gujaf-108	146	45	borrowers	borrower	NOUN
gujaf-108	146	46	and	and	CCONJ
gujaf-108	146	47	their	their	PRON
gujaf-108	146	48	knowledge	knowledge	NOUN
gujaf-108	146	49	limitation	limitation	NOUN
gujaf-108	146	50	,	,	PUNCT
gujaf-108	146	51	fund	fund	NOUN
gujaf-108	146	52	diversion	diversion	NOUN
gujaf-108	146	53	for	for	ADP
gujaf-108	146	54	unintended	unintended	ADJ
gujaf-108	146	55	purpose	purpose	NOUN
gujaf-108	146	56	,	,	PUNCT
gujaf-108	146	57	over	over	ADV
gujaf-108	146	58	/	/	SYM
gujaf-108	146	59	under	under	ADP
gujaf-108	146	60	financing	financing	NOUN
gujaf-108	146	61	by	by	ADP
gujaf-108	146	62	banks	bank	NOUN
gujaf-108	146	63	are	be	AUX
gujaf-108	146	64	ascribed	ascribe	VERB
gujaf-108	146	65	to	to	ADP
gujaf-108	146	66	loan	loan	NOUN
gujaf-108	146	67	default	default	NOUN
gujaf-108	146	68	.	.	PUNCT
gujaf-108	147	1	addae	addae	NOUN
gujaf-108	147	2	-	-	PUNCT
gujaf-108	147	3	korankye	korankye	PROPN
gujaf-108	147	4	(	(	PUNCT
gujaf-108	147	5	2014	2014	NUM
gujaf-108	147	6	)	)	PUNCT
gujaf-108	147	7	analyzed	analyze	VERB
gujaf-108	147	8	the	the	DET
gujaf-108	147	9	causes	cause	NOUN
gujaf-108	147	10	and	and	CCONJ
gujaf-108	147	11	control	control	NOUN
gujaf-108	147	12	of	of	ADP
gujaf-108	147	13	loan	loan	NOUN
gujaf-108	147	14	delinquency	delinquency	NOUN
gujaf-108	147	15	/	/	SYM
gujaf-108	147	16	default	default	NOUN
gujaf-108	147	17	in	in	ADP
gujaf-108	147	18	microfinance	microfinance	NOUN
gujaf-108	147	19	institutions	institution	NOUN
gujaf-108	147	20	in	in	ADP
gujaf-108	147	21	ghana	ghana	PROPN
gujaf-108	147	22	.	.	PUNCT
gujaf-108	148	1	the	the	DET
gujaf-108	148	2	study	study	NOUN
gujaf-108	148	3	showed	show	VERB
gujaf-108	148	4	that	that	SCONJ
gujaf-108	148	5	high	high	ADJ
gujaf-108	148	6	interest	interest	NOUN
gujaf-108	148	7	rate	rate	NOUN
gujaf-108	148	8	,	,	PUNCT
gujaf-108	148	9	inadequate	inadequate	ADJ
gujaf-108	148	10	loan	loan	NOUN
gujaf-108	148	11	sizes	size	NOUN
gujaf-108	148	12	,	,	PUNCT
gujaf-108	148	13	poor	poor	ADJ
gujaf-108	148	14	appraisal	appraisal	NOUN
gujaf-108	148	15	,	,	PUNCT
gujaf-108	148	16	lack	lack	NOUN
gujaf-108	148	17	of	of	ADP
gujaf-108	148	18	monitoring	monitoring	NOUN
gujaf-108	148	19	,	,	PUNCT
gujaf-108	148	20	and	and	CCONJ
gujaf-108	148	21	improper	improper	ADJ
gujaf-108	148	22	client	client	NOUN
gujaf-108	148	23	selection	selection	NOUN
gujaf-108	148	24	are	be	AUX
gujaf-108	148	25	significantly	significantly	ADV
gujaf-108	148	26	john	john	PROPN
gujaf-108	148	27	(	(	PUNCT
gujaf-108	148	28	2016	2016	NUM
gujaf-108	148	29	)	)	PUNCT
gujaf-108	148	30	conducted	conduct	VERB
gujaf-108	148	31	a	a	DET
gujaf-108	148	32	research	research	NOUN
gujaf-108	148	33	on	on	ADP
gujaf-108	148	34	non	non	ADJ
gujaf-108	148	35	-	-	ADJ
gujaf-108	148	36	performing	performing	ADJ
gujaf-108	148	37	loans	loan	NOUN
gujaf-108	148	38	portfolio	portfolio	NOUN
gujaf-108	148	39	and	and	CCONJ
gujaf-108	148	40	its	its	PRON
gujaf-108	148	41	effect	effect	NOUN
gujaf-108	148	42	on	on	ADP
gujaf-108	148	43	bank	bank	NOUN
gujaf-108	148	44	profitability	profitability	NOUN
gujaf-108	148	45	in	in	ADP
gujaf-108	148	46	nigeria	nigeria	PROPN
gujaf-108	148	47	.	.	PUNCT
gujaf-108	149	1	the	the	DET
gujaf-108	149	2	results	result	NOUN
gujaf-108	149	3	show	show	VERB
gujaf-108	149	4	that	that	SCONJ
gujaf-108	149	5	that	that	SCONJ
gujaf-108	149	6	non	non	ADJ
gujaf-108	149	7	-	-	ADJ
gujaf-108	149	8	performing	performing	ADJ
gujaf-108	149	9	loans	loan	NOUN
gujaf-108	149	10	portfolio	portfolio	NOUN
gujaf-108	149	11	has	have	VERB
gujaf-108	149	12	negative	negative	ADJ
gujaf-108	149	13	effect	effect	NOUN
gujaf-108	149	14	on	on	ADP
gujaf-108	149	15	bank	bank	NOUN
gujaf-108	149	16	profitability	profitability	NOUN
gujaf-108	149	17	.	.	PUNCT
gujaf-108	150	1	the	the	DET
gujaf-108	150	2	study	study	NOUN
gujaf-108	150	3	further	far	ADV
gujaf-108	150	4	reveals	reveal	VERB
gujaf-108	150	5	that	that	SCONJ
gujaf-108	150	6	insider	insider	NOUN
gujaf-108	150	7	dealing	deal	VERB
gujaf-108	150	8	involving	involve	VERB
gujaf-108	150	9	over	over	ADP
gujaf-108	150	10	-	-	PUNCT
gujaf-108	150	11	extension	extension	NOUN
gujaf-108	150	12	of	of	ADP
gujaf-108	150	13	loans	loan	NOUN
gujaf-108	150	14	to	to	ADP
gujaf-108	150	15	promoters	promoter	NOUN
gujaf-108	150	16	,	,	PUNCT
gujaf-108	150	17	directors	director	NOUN
gujaf-108	150	18	and	and	CCONJ
gujaf-108	150	19	significant	significant	ADJ
gujaf-108	150	20	others	other	NOUN
gujaf-108	150	21	that	that	PRON
gujaf-108	150	22	became	become	VERB
gujaf-108	150	23	bad	bad	ADJ
gujaf-108	150	24	and	and	CCONJ
gujaf-108	150	25	irrecoverable	irrecoverable	ADJ
gujaf-108	150	26	,	,	PUNCT
gujaf-108	150	27	is	be	AUX
gujaf-108	150	28	the	the	DET
gujaf-108	150	29	bane	bane	NOUN
gujaf-108	150	30	of	of	ADP
gujaf-108	150	31	large	large	ADJ
gujaf-108	150	32	non	non	ADJ
gujaf-108	150	33	-	-	ADJ
gujaf-108	150	34	performing	performing	ADJ
gujaf-108	150	35	loan	loan	NOUN
gujaf-108	150	36	portfolio	portfolio	NOUN
gujaf-108	150	37	in	in	ADP
gujaf-108	150	38	nigeria	nigeria	PROPN
gujaf-108	150	39	.	.	PUNCT
gujaf-108	151	1	3	3	X
gujaf-108	151	2	.	.	X
gujaf-108	151	3	methodology	methodology	NOUN
gujaf-108	151	4	the	the	DET
gujaf-108	151	5	study	study	NOUN
gujaf-108	151	6	used	use	VERB
gujaf-108	151	7	descriptive	descriptive	ADJ
gujaf-108	151	8	survey	survey	NOUN
gujaf-108	151	9	design	design	NOUN
gujaf-108	151	10	which	which	PRON
gujaf-108	151	11	according	accord	VERB
gujaf-108	151	12	to	to	ADP
gujaf-108	151	13	churchill	churchill	PROPN
gujaf-108	151	14	(	(	PUNCT
gujaf-108	151	15	1991	1991	NUM
gujaf-108	151	16	)	)	PUNCT
gujaf-108	151	17	is	be	AUX
gujaf-108	151	18	appropriate	appropriate	ADJ
gujaf-108	151	19	where	where	SCONJ
gujaf-108	151	20	the	the	DET
gujaf-108	151	21	study	study	NOUN
gujaf-108	151	22	seeks	seek	VERB
gujaf-108	151	23	to	to	PART
gujaf-108	151	24	describe	describe	VERB
gujaf-108	151	25	the	the	DET
gujaf-108	151	26	characteristics	characteristic	NOUN
gujaf-108	151	27	of	of	ADP
gujaf-108	151	28	certain	certain	ADJ
gujaf-108	151	29	groups	group	NOUN
gujaf-108	151	30	,	,	PUNCT
gujaf-108	151	31	describes	describe	VERB
gujaf-108	151	32	what	what	PRON
gujaf-108	151	33	exists	exist	VERB
gujaf-108	151	34	and	and	CCONJ
gujaf-108	151	35	considers	consider	VERB
gujaf-108	151	36	the	the	DET
gujaf-108	151	37	existing	exist	VERB
gujaf-108	151	38	conditions	condition	NOUN
gujaf-108	151	39	or	or	CCONJ
gujaf-108	151	40	relationships	relationship	NOUN
gujaf-108	151	41	,	,	PUNCT
gujaf-108	151	42	current	current	ADJ
gujaf-108	151	43	processes	process	NOUN
gujaf-108	151	44	and	and	CCONJ
gujaf-108	151	45	tangible	tangible	ADJ
gujaf-108	151	46	developing	develop	VERB
gujaf-108	151	47	effects	effect	NOUN
gujaf-108	151	48	.	.	PUNCT
gujaf-108	152	1	population	population	NOUN
gujaf-108	152	2	of	of	ADP
gujaf-108	152	3	the	the	DET
gujaf-108	152	4	study	study	NOUN
gujaf-108	152	5	comprises	comprise	VERB
gujaf-108	152	6	the	the	DET
gujaf-108	152	7	managerial	managerial	ADJ
gujaf-108	152	8	and	and	CCONJ
gujaf-108	152	9	senior	senior	ADJ
gujaf-108	152	10	staffers	staffer	NOUN
gujaf-108	152	11	of	of	ADP
gujaf-108	152	12	tweny	tweny	NOUN
gujaf-108	152	13	-	-	PUNCT
gujaf-108	152	14	nine	nine	NUM
gujaf-108	152	15	(	(	PUNCT
gujaf-108	152	16	29	29	NUM
gujaf-108	152	17	)	)	PUNCT
gujaf-108	152	18	licensed	license	VERB
gujaf-108	152	19	mfbs	mfbs	NOUN
gujaf-108	152	20	operating	operate	VERB
gujaf-108	152	21	in	in	ADP
gujaf-108	152	22	kwara	kwara	PROPN
gujaf-108	152	23	state	state	PROPN
gujaf-108	152	24	.	.	PUNCT
gujaf-108	153	1	a	a	DET
gujaf-108	153	2	sample	sample	NOUN
gujaf-108	153	3	of	of	ADP
gujaf-108	153	4	140	140	NUM
gujaf-108	153	5	managerial	managerial	ADJ
gujaf-108	153	6	and	and	CCONJ
gujaf-108	153	7	senior	senior	ADJ
gujaf-108	153	8	staffers	staffer	NOUN
gujaf-108	153	9	(	(	PUNCT
gujaf-108	153	10	7	7	NUM
gujaf-108	153	11	from	from	ADP
gujaf-108	153	12	each	each	DET
gujaf-108	153	13	bank	bank	NOUN
gujaf-108	153	14	)	)	PUNCT
gujaf-108	153	15	was	be	AUX
gujaf-108	153	16	drawn	draw	VERB
gujaf-108	153	17	from	from	ADP
gujaf-108	153	18	the	the	DET
gujaf-108	153	19	20	20	NUM
gujaf-108	153	20	mfbs	mfbs	NOUN
gujaf-108	153	21	operating	operate	VERB
gujaf-108	153	22	in	in	ADP
gujaf-108	153	23	ilorin	ilorin	NOUN
gujaf-108	153	24	,	,	PUNCT
gujaf-108	153	25	the	the	DET
gujaf-108	153	26	state	state	NOUN
gujaf-108	153	27	capital	capital	NOUN
gujaf-108	153	28	using	use	VERB
gujaf-108	153	29	convenience	convenience	NOUN
gujaf-108	153	30	sampling	sample	VERB
gujaf-108	153	31	technique	technique	NOUN
gujaf-108	153	32	.	.	PUNCT
gujaf-108	154	1	this	this	PRON
gujaf-108	154	2	is	be	AUX
gujaf-108	154	3	based	base	VERB
gujaf-108	154	4	on	on	ADP
gujaf-108	154	5	the	the	DET
gujaf-108	154	6	suggestion	suggestion	NOUN
gujaf-108	154	7	of	of	ADP
gujaf-108	154	8	owino	owino	NOUN
gujaf-108	154	9	(	(	PUNCT
gujaf-108	154	10	2013	2013	NUM
gujaf-108	154	11	)	)	PUNCT
gujaf-108	154	12	,	,	PUNCT
gujaf-108	154	13	that	that	SCONJ
gujaf-108	154	14	these	these	PRON
gujaf-108	154	15	are	be	AUX
gujaf-108	154	16	the	the	DET
gujaf-108	154	17	most	most	ADV
gujaf-108	154	18	conversant	conversant	ADJ
gujaf-108	154	19	individuals	individual	NOUN
gujaf-108	154	20	to	to	ADP
gujaf-108	154	21	the	the	DET
gujaf-108	154	22	issue	issue	NOUN
gujaf-108	154	23	related	relate	VERB
gujaf-108	154	24	lending	lending	NOUN
gujaf-108	154	25	policies	policy	NOUN
gujaf-108	154	26	and	and	CCONJ
gujaf-108	154	27	non	non	ADJ
gujaf-108	154	28	-	-	ADJ
gujaf-108	154	29	performing	perform	VERB
gujaf-108	154	30	loans	loan	NOUN
gujaf-108	154	31	.	.	PUNCT
gujaf-108	155	1	5	5	NUM
gujaf-108	155	2	-	-	PUNCT
gujaf-108	155	3	point	point	NOUN
gujaf-108	155	4	likert	likert	ADJ
gujaf-108	155	5	scale	scale	NOUN
gujaf-108	155	6	(	(	PUNCT
gujaf-108	155	7	for	for	ADP
gujaf-108	155	8	independent	independent	ADJ
gujaf-108	155	9	variables	variable	NOUN
gujaf-108	155	10	)	)	PUNCT
gujaf-108	155	11	and	and	CCONJ
gujaf-108	155	12	ordinal	ordinal	ADJ
gujaf-108	155	13	scale	scale	NOUN
gujaf-108	155	14	(	(	PUNCT
gujaf-108	155	15	for	for	ADP
gujaf-108	155	16	dependent	dependent	ADJ
gujaf-108	155	17	variable	variable	ADJ
gujaf-108	155	18	)	)	PUNCT
gujaf-108	155	19	questionnaire	questionnaire	NOUN
gujaf-108	155	20	was	be	AUX
gujaf-108	155	21	used	use	VERB
gujaf-108	155	22	to	to	PART
gujaf-108	155	23	collect	collect	VERB
gujaf-108	155	24	the	the	DET
gujaf-108	155	25	data	datum	NOUN
gujaf-108	155	26	.	.	PUNCT
gujaf-108	156	1	data	datum	NOUN
gujaf-108	156	2	were	be	AUX
gujaf-108	156	3	analysed	analyse	VERB
gujaf-108	156	4	and	and	CCONJ
gujaf-108	156	5	the	the	DET
gujaf-108	156	6	hypotheses	hypothesis	NOUN
gujaf-108	156	7	were	be	AUX
gujaf-108	156	8	tested	test	VERB
gujaf-108	156	9	using	use	VERB
gujaf-108	156	10	ordinal	ordinal	ADJ
gujaf-108	156	11	logit	logit	PROPN
gujaf-108	156	12	regression	regression	NOUN
gujaf-108	156	13	model	model	NOUN
gujaf-108	156	14	.	.	PUNCT
gujaf-108	157	1	following	follow	VERB
gujaf-108	157	2	the	the	DET
gujaf-108	157	3	theoretical	theoretical	ADJ
gujaf-108	157	4	postulation	postulation	NOUN
gujaf-108	157	5	of	of	ADP
gujaf-108	157	6	the	the	DET
gujaf-108	157	7	institutional	institutional	ADJ
gujaf-108	157	8	theory	theory	NOUN
gujaf-108	157	9	,	,	PUNCT
gujaf-108	157	10	a	a	DET
gujaf-108	157	11	multiple	multiple	ADJ
gujaf-108	157	12	regression	regression	NOUN
gujaf-108	157	13	model	model	NOUN
gujaf-108	157	14	is	be	AUX
gujaf-108	157	15	specified	specify	VERB
gujaf-108	157	16	here	here	ADV
gujaf-108	157	17	by	by	ADP
gujaf-108	157	18	adapting	adapt	VERB
gujaf-108	157	19	the	the	DET
gujaf-108	157	20	model	model	NOUN
gujaf-108	157	21	from	from	ADP
gujaf-108	157	22	the	the	DET
gujaf-108	157	23	study	study	NOUN
gujaf-108	157	24	of	of	ADP
gujaf-108	157	25	abugah	abugah	PROPN
gujaf-108	157	26	et	et	PROPN
gujaf-108	157	27	al	al	PROPN
gujaf-108	157	28	.	.	PROPN
gujaf-108	158	1	(	(	PUNCT
gujaf-108	158	2	2017	2017	NUM
gujaf-108	158	3	)	)	PUNCT
gujaf-108	158	4	as	as	SCONJ
gujaf-108	158	5	follows	follow	VERB
gujaf-108	158	6	:	:	PUNCT
gujaf-108	158	7	…	…	PUNCT
gujaf-108	158	8	…	…	PUNCT
gujaf-108	158	9	…	…	PUNCT
gujaf-108	158	10	…	…	PUNCT
gujaf-108	158	11	…	…	PUNCT
gujaf-108	158	12	…	…	PUNCT
gujaf-108	158	13	…	…	PUNCT
gujaf-108	158	14	……	……	NOUN
gujaf-108	158	15	……	……	NOUN
gujaf-108	158	16	……	……	NOUN
gujaf-108	158	17	……	……	NOUN
gujaf-108	158	18	……	……	NOUN
gujaf-108	158	19	1	1	NUM
gujaf-108	158	20	whereas	whereas	NOUN
gujaf-108	158	21	:	:	PUNCT
gujaf-108	158	22	lp	lp	NOUN
gujaf-108	158	23	is	be	AUX
gujaf-108	158	24	loans	loan	NOUN
gujaf-108	158	25	performance	performance	NOUN
gujaf-108	158	26	of	of	ADP
gujaf-108	158	27	microfinance	microfinance	NOUN
gujaf-108	158	28	banks	bank	NOUN
gujaf-108	158	29	in	in	ADP
gujaf-108	158	30	kwara	kwara	PROPN
gujaf-108	158	31	state	state	PROPN
gujaf-108	158	32	crpp	crpp	PROPN
gujaf-108	158	33	is	be	AUX
gujaf-108	158	34	credit	credit	NOUN
gujaf-108	158	35	appraisal	appraisal	NOUN
gujaf-108	158	36	procured	procure	VERB
gujaf-108	158	37	policy	policy	NOUN
gujaf-108	158	38	cpy	cpy	PROPN
gujaf-108	158	39	is	be	AUX
gujaf-108	158	40	collection	collection	NOUN
gujaf-108	158	41	policy	policy	NOUN
gujaf-108	158	42	is	be	AUX
gujaf-108	158	43	the	the	DET
gujaf-108	158	44	intercept	intercept	NOUN
gujaf-108	158	45	term	term	NOUN
gujaf-108	158	46	are	be	AUX
gujaf-108	158	47	the	the	DET
gujaf-108	158	48	coefficients	coefficient	NOUN
gujaf-108	158	49	of	of	ADP
gujaf-108	158	50	the	the	DET
gujaf-108	158	51	independent	independent	ADJ
gujaf-108	158	52	variables	variable	NOUN
gujaf-108	158	53	ε	ε	PROPN
gujaf-108	158	54	is	be	AUX
gujaf-108	158	55	the	the	DET
gujaf-108	158	56	error	error	NOUN
gujaf-108	158	57	term	term	NOUN
gujaf-108	158	58	a	a	DET
gujaf-108	158	59	priori	priori	ADJ
gujaf-108	158	60	expectations	expectation	NOUN
gujaf-108	158	61	:	:	PUNCT
gujaf-108	158	62	β1	β1	NOUN
gujaf-108	158	63	>	>	X
gujaf-108	158	64	0	0	PROPN
gujaf-108	158	65	,	,	PUNCT
gujaf-108	158	66	β2	β2	VERB
gujaf-108	158	67	>	>	X
gujaf-108	158	68	0	0	PROPN
gujaf-108	158	69	,	,	PUNCT
gujaf-108	158	70	4	4	NUM
gujaf-108	158	71	.	.	NOUN
gujaf-108	158	72	results	result	NOUN
gujaf-108	158	73	and	and	CCONJ
gujaf-108	158	74	discussions	discussion	NOUN
gujaf-108	158	75	descriptive	descriptive	ADJ
gujaf-108	158	76	statistics	statistic	NOUN
gujaf-108	158	77	out	out	ADP
gujaf-108	158	78	of	of	ADP
gujaf-108	158	79	the	the	DET
gujaf-108	158	80	140	140	NUM
gujaf-108	158	81	questionnaires	questionnaire	NOUN
gujaf-108	158	82	distributed	distribute	VERB
gujaf-108	158	83	only	only	ADV
gujaf-108	158	84	135	135	NUM
gujaf-108	158	85	were	be	AUX
gujaf-108	158	86	returned	return	VERB
gujaf-108	158	87	and	and	CCONJ
gujaf-108	158	88	this	this	PRON
gujaf-108	158	89	represents	represent	VERB
gujaf-108	158	90	97.8	97.8	NUM
gujaf-108	158	91	%	%	NOUN
gujaf-108	158	92	response	response	NOUN
gujaf-108	158	93	rate	rate	NOUN
gujaf-108	158	94	which	which	PRON
gujaf-108	158	95	is	be	AUX
gujaf-108	158	96	considered	consider	VERB
gujaf-108	158	97	adequate	adequate	ADJ
gujaf-108	158	98	for	for	ADP
gujaf-108	158	99	the	the	DET
gujaf-108	158	100	study	study	NOUN
gujaf-108	158	101	.	.	PUNCT
gujaf-108	159	1	demographic	demographic	ADJ
gujaf-108	159	2	information	information	NOUN
gujaf-108	159	3	of	of	ADP
gujaf-108	159	4	the	the	DET
gujaf-108	159	5	respondents	respondent	NOUN
gujaf-108	159	6	table	table	NOUN
gujaf-108	159	7	2	2	NUM
gujaf-108	159	8	:	:	PUNCT
gujaf-108	159	9	demographic	demographic	ADJ
gujaf-108	159	10	distribution	distribution	NOUN
gujaf-108	159	11	of	of	ADP
gujaf-108	159	12	respondents	respondent	NOUN
gujaf-108	159	13	frequency	frequency	NOUN
gujaf-108	159	14	percent	percent	NOUN
gujaf-108	159	15	cum	cum	NOUN
gujaf-108	159	16	.	.	PUNCT
gujaf-108	160	1	percent	percent	NOUN
gujaf-108	160	2	gender	gender	NOUN
gujaf-108	160	3	female	female	NOUN
gujaf-108	160	4	36	36	NUM
gujaf-108	160	5	26.67	26.67	NUM
gujaf-108	160	6	26.67	26.67	NUM
gujaf-108	160	7	male	male	NOUN
gujaf-108	160	8	99	99	NUM
gujaf-108	160	9	73.33	73.33	NUM
gujaf-108	160	10	100.00	100.00	NUM
gujaf-108	160	11	age	age	NOUN
gujaf-108	160	12	6	6	NUM
gujaf-108	160	13	18	18	NUM
gujaf-108	160	14	–	–	PUNCT
gujaf-108	160	15	27	27	NUM
gujaf-108	160	16	years	year	NOUN
gujaf-108	160	17	11	11	NUM
gujaf-108	160	18	8.15	8.15	NUM
gujaf-108	160	19	8.15	8.15	NUM
gujaf-108	160	20	28	28	NUM
gujaf-108	160	21	–	–	PUNCT
gujaf-108	160	22	37	37	NUM
gujaf-108	160	23	years	year	NOUN
gujaf-108	160	24	41	41	NUM
gujaf-108	160	25	30.37	30.37	NUM
gujaf-108	160	26	38.52	38.52	NUM
gujaf-108	160	27	3847	3847	NUM
gujaf-108	160	28	years	year	NOUN
gujaf-108	160	29	58	58	NUM
gujaf-108	160	30	42.96	42.96	NUM
gujaf-108	160	31	81.48	81.48	NUM
gujaf-108	160	32	48	48	NUM
gujaf-108	160	33	-	-	SYM
gujaf-108	160	34	57	57	NUM
gujaf-108	160	35	years	year	NOUN
gujaf-108	160	36	20	20	NUM
gujaf-108	160	37	14.81	14.81	NUM
gujaf-108	160	38	96.29	96.29	NUM
gujaf-108	160	39	58years	58year	NOUN
gujaf-108	160	40	and	and	CCONJ
gujaf-108	160	41	above	above	ADP
gujaf-108	160	42	5	5	NUM
gujaf-108	160	43	3.71	3.71	NUM
gujaf-108	160	44	100.00	100.00	NUM
gujaf-108	160	45	marital	marital	ADJ
gujaf-108	160	46	status	status	NOUN
gujaf-108	160	47	single	single	ADJ
gujaf-108	160	48	39	39	NUM
gujaf-108	160	49	28.89	28.89	NUM
gujaf-108	160	50	28.89	28.89	NUM
gujaf-108	160	51	married	marry	VERB
gujaf-108	160	52	82	82	NUM
gujaf-108	160	53	60.74	60.74	NUM
gujaf-108	160	54	89.63	89.63	NUM
gujaf-108	160	55	others	other	NOUN
gujaf-108	160	56	14	14	NUM
gujaf-108	160	57	10.37	10.37	NUM
gujaf-108	160	58	100.00	100.00	NUM
gujaf-108	160	59	education	education	NOUN
gujaf-108	160	60	secondary	secondary	ADJ
gujaf-108	160	61	/	/	SYM
gujaf-108	160	62	technical	technical	ADJ
gujaf-108	160	63	12	12	NUM
gujaf-108	160	64	8.89	8.89	NUM
gujaf-108	160	65	8.89	8.89	NUM
gujaf-108	160	66	ond	ond	NOUN
gujaf-108	160	67	/	/	SYM
gujaf-108	160	68	nce	nce	NOUN
gujaf-108	160	69	25	25	NUM
gujaf-108	160	70	18.52	18.52	NUM
gujaf-108	160	71	27.41	27.41	NUM
gujaf-108	160	72	bsc	bsc	NOUN
gujaf-108	160	73	/	/	SYM
gujaf-108	160	74	hnd	hnd	PROPN
gujaf-108	160	75	74	74	NUM
gujaf-108	160	76	54.81	54.81	NUM
gujaf-108	160	77	82.22	82.22	NUM
gujaf-108	160	78	postgraduate	postgraduate	NOUN
gujaf-108	160	79	24	24	NUM
gujaf-108	160	80	17.78	17.78	NUM
gujaf-108	160	81	100.00	100.00	NUM
gujaf-108	160	82	position	position	NOUN
gujaf-108	160	83	managing	manage	VERB
gujaf-108	160	84	director	director	NOUN
gujaf-108	160	85	16	16	NUM
gujaf-108	160	86	11.85	11.85	NUM
gujaf-108	160	87	11.85	11.85	NUM
gujaf-108	160	88	manager	manager	NOUN
gujaf-108	160	89	/	/	SYM
gujaf-108	160	90	head	head	NOUN
gujaf-108	160	91	of	of	ADP
gujaf-108	160	92	unit	unit	NOUN
gujaf-108	160	93	79	79	NUM
gujaf-108	160	94	58.52	58.52	NUM
gujaf-108	160	95	70.37	70.37	NUM
gujaf-108	160	96	senior	senior	ADJ
gujaf-108	160	97	staff	staff	NOUN
gujaf-108	160	98	40	40	NUM
gujaf-108	160	99	29.63	29.63	NUM
gujaf-108	160	100	100.00	100.00	NUM
gujaf-108	160	101	experience	experience	NOUN
gujaf-108	160	102	less	less	ADJ
gujaf-108	160	103	than	than	ADP
gujaf-108	160	104	5years	5years	NUM
gujaf-108	160	105	23	23	NUM
gujaf-108	160	106	17.04	17.04	NUM
gujaf-108	160	107	17.04	17.04	NUM
gujaf-108	160	108	6	6	NUM
gujaf-108	160	109	-	-	SYM
gujaf-108	160	110	10	10	NUM
gujaf-108	160	111	years	year	NOUN
gujaf-108	160	112	62	62	NUM
gujaf-108	160	113	45.93	45.93	NUM
gujaf-108	160	114	62.97	62.97	NUM
gujaf-108	160	115	11	11	NUM
gujaf-108	160	116	-	-	SYM
gujaf-108	160	117	20	20	NUM
gujaf-108	160	118	years	year	NOUN
gujaf-108	160	119	31	31	NUM
gujaf-108	160	120	22.96	22.96	NUM
gujaf-108	160	121	85.93	85.93	NUM
gujaf-108	160	122	over	over	ADP
gujaf-108	160	123	20	20	NUM
gujaf-108	160	124	years	year	NOUN
gujaf-108	160	125	19	19	NUM
gujaf-108	160	126	14.07	14.07	NUM
gujaf-108	160	127	100.00	100.00	NUM
gujaf-108	160	128	source	source	NOUN
gujaf-108	160	129	:	:	PUNCT
gujaf-108	160	130	author	author	NOUN
gujaf-108	160	131	’s	’s	PART
gujaf-108	160	132	computations	computation	NOUN
gujaf-108	160	133	,	,	PUNCT
gujaf-108	160	134	2022	2022	NUM
gujaf-108	160	135	.	.	PUNCT
gujaf-108	161	1	as	as	ADP
gujaf-108	161	2	for	for	ADP
gujaf-108	161	3	the	the	DET
gujaf-108	161	4	respondent	respondent	NOUN
gujaf-108	161	5	gender	gender	NOUN
gujaf-108	161	6	,	,	PUNCT
gujaf-108	161	7	there	there	PRON
gujaf-108	161	8	is	be	VERB
gujaf-108	161	9	wide	wide	ADJ
gujaf-108	161	10	difference	difference	NOUN
gujaf-108	161	11	in	in	ADP
gujaf-108	161	12	the	the	DET
gujaf-108	161	13	number	number	NOUN
gujaf-108	161	14	of	of	ADP
gujaf-108	161	15	male	male	ADJ
gujaf-108	161	16	and	and	CCONJ
gujaf-108	161	17	female	female	ADJ
gujaf-108	161	18	gender	gender	NOUN
gujaf-108	161	19	of	of	ADP
gujaf-108	161	20	the	the	DET
gujaf-108	161	21	respondents	respondent	NOUN
gujaf-108	161	22	.	.	PUNCT
gujaf-108	162	1	only	only	ADV
gujaf-108	162	2	26.67	26.67	NUM
gujaf-108	162	3	%	%	NOUN
gujaf-108	162	4	(	(	PUNCT
gujaf-108	162	5	36respondents	36respondents	NUM
gujaf-108	162	6	)	)	PUNCT
gujaf-108	162	7	of	of	ADP
gujaf-108	162	8	the	the	DET
gujaf-108	162	9	surveyed	survey	VERB
gujaf-108	162	10	managing	manage	VERB
gujaf-108	162	11	directors	director	NOUN
gujaf-108	162	12	,	,	PUNCT
gujaf-108	162	13	managers	manager	NOUN
gujaf-108	162	14	and	and	CCONJ
gujaf-108	162	15	senior	senior	ADJ
gujaf-108	162	16	officers	officer	NOUN
gujaf-108	162	17	are	be	AUX
gujaf-108	162	18	female	female	ADJ
gujaf-108	162	19	whereas	whereas	SCONJ
gujaf-108	162	20	male	male	ADJ
gujaf-108	162	21	group	group	NOUN
gujaf-108	162	22	makes	make	VERB
gujaf-108	162	23	up	up	ADP
gujaf-108	162	24	to	to	ADP
gujaf-108	162	25	73.33	73.33	NUM
gujaf-108	162	26	%	%	NOUN
gujaf-108	162	27	(	(	PUNCT
gujaf-108	162	28	99	99	NUM
gujaf-108	162	29	respondents	respondent	NOUN
gujaf-108	162	30	)	)	PUNCT
gujaf-108	162	31	.	.	PUNCT
gujaf-108	163	1	regarding	regard	VERB
gujaf-108	163	2	the	the	DET
gujaf-108	163	3	respondents	respondent	NOUN
gujaf-108	163	4	age	age	NOUN
gujaf-108	163	5	,	,	PUNCT
gujaf-108	163	6	results	result	NOUN
gujaf-108	163	7	show	show	VERB
gujaf-108	163	8	that	that	SCONJ
gujaf-108	163	9	majority	majority	NOUN
gujaf-108	163	10	(	(	PUNCT
gujaf-108	163	11	representing	represent	VERB
gujaf-108	163	12	42.96	42.96	NUM
gujaf-108	163	13	%	%	NOUN
gujaf-108	163	14	)	)	PUNCT
gujaf-108	163	15	falls	fall	VERB
gujaf-108	163	16	within	within	ADP
gujaf-108	163	17	the	the	DET
gujaf-108	163	18	age	age	NOUN
gujaf-108	163	19	group	group	NOUN
gujaf-108	163	20	of	of	ADP
gujaf-108	163	21	38	38	NUM
gujaf-108	163	22	–	–	PUNCT
gujaf-108	163	23	47	47	NUM
gujaf-108	163	24	years	year	NOUN
gujaf-108	163	25	.	.	PUNCT
gujaf-108	164	1	8.15	8.15	NUM
gujaf-108	164	2	%	%	NOUN
gujaf-108	164	3	(	(	PUNCT
gujaf-108	164	4	11	11	NUM
gujaf-108	164	5	respondents	respondent	NOUN
gujaf-108	164	6	)	)	PUNCT
gujaf-108	164	7	fall	fall	VERB
gujaf-108	164	8	within	within	ADP
gujaf-108	164	9	age	age	NOUN
gujaf-108	164	10	-	-	PUNCT
gujaf-108	164	11	range	range	NOUN
gujaf-108	164	12	less	less	ADJ
gujaf-108	164	13	than	than	ADP
gujaf-108	164	14	18	18	NUM
gujaf-108	164	15	-	-	SYM
gujaf-108	164	16	27	27	NUM
gujaf-108	164	17	years	year	NOUN
gujaf-108	164	18	,	,	PUNCT
gujaf-108	164	19	30.37	30.37	NUM
gujaf-108	164	20	%	%	NOUN
gujaf-108	164	21	(	(	PUNCT
gujaf-108	164	22	41	41	NUM
gujaf-108	164	23	respondents	respondent	NOUN
gujaf-108	164	24	)	)	PUNCT
gujaf-108	164	25	fall	fall	VERB
gujaf-108	164	26	within	within	ADP
gujaf-108	164	27	age	age	NOUN
gujaf-108	164	28	-	-	PUNCT
gujaf-108	164	29	range	range	NOUN
gujaf-108	164	30	less	less	ADJ
gujaf-108	164	31	than	than	ADP
gujaf-108	164	32	28	28	NUM
gujaf-108	164	33	-	-	SYM
gujaf-108	164	34	47	47	NUM
gujaf-108	164	35	years	year	NOUN
gujaf-108	164	36	,	,	PUNCT
gujaf-108	164	37	14.81	14.81	NUM
gujaf-108	164	38	%	%	NOUN
gujaf-108	164	39	(	(	PUNCT
gujaf-108	164	40	20	20	NUM
gujaf-108	164	41	respondents	respondent	NOUN
gujaf-108	164	42	)	)	PUNCT
gujaf-108	164	43	fall	fall	VERB
gujaf-108	164	44	within	within	ADP
gujaf-108	164	45	age	age	NOUN
gujaf-108	164	46	-	-	PUNCT
gujaf-108	164	47	range	range	NOUN
gujaf-108	164	48	less	less	ADJ
gujaf-108	164	49	than	than	ADP
gujaf-108	164	50	48	48	NUM
gujaf-108	164	51	-	-	SYM
gujaf-108	164	52	57	57	NUM
gujaf-108	164	53	years	year	NOUN
gujaf-108	164	54	and	and	CCONJ
gujaf-108	164	55	only	only	ADV
gujaf-108	164	56	3.71	3.71	NUM
gujaf-108	164	57	%	%	NOUN
gujaf-108	164	58	(	(	PUNCT
gujaf-108	164	59	5	5	NUM
gujaf-108	164	60	respondents	respondent	NOUN
gujaf-108	164	61	)	)	PUNCT
gujaf-108	164	62	fall	fall	VERB
gujaf-108	164	63	within	within	ADP
gujaf-108	164	64	age	age	NOUN
gujaf-108	164	65	-	-	PUNCT
gujaf-108	164	66	range	range	NOUN
gujaf-108	164	67	58years	58year	NOUN
gujaf-108	164	68	and	and	CCONJ
gujaf-108	164	69	above	above	ADV
gujaf-108	164	70	.	.	PUNCT
gujaf-108	165	1	with	with	ADP
gujaf-108	165	2	regards	regard	NOUN
gujaf-108	165	3	to	to	ADP
gujaf-108	165	4	marital	marital	ADJ
gujaf-108	165	5	status	status	NOUN
gujaf-108	165	6	of	of	ADP
gujaf-108	165	7	the	the	DET
gujaf-108	165	8	respondents	respondent	NOUN
gujaf-108	165	9	,	,	PUNCT
gujaf-108	165	10	28.89	28.89	NUM
gujaf-108	165	11	%	%	NOUN
gujaf-108	165	12	(	(	PUNCT
gujaf-108	165	13	39	39	NUM
gujaf-108	165	14	respondents	respondent	NOUN
gujaf-108	165	15	)	)	PUNCT
gujaf-108	165	16	are	be	AUX
gujaf-108	165	17	single	single	ADJ
gujaf-108	165	18	,	,	PUNCT
gujaf-108	165	19	60.74	60.74	NUM
gujaf-108	165	20	%	%	NOUN
gujaf-108	165	21	(	(	PUNCT
gujaf-108	165	22	82	82	NUM
gujaf-108	165	23	respondents	respondent	NOUN
gujaf-108	165	24	)	)	PUNCT
gujaf-108	165	25	are	be	AUX
gujaf-108	165	26	married	marry	VERB
gujaf-108	165	27	while	while	SCONJ
gujaf-108	165	28	only	only	ADV
gujaf-108	165	29	10.37	10.37	NUM
gujaf-108	165	30	%	%	NOUN
gujaf-108	165	31	7	7	NUM
gujaf-108	165	32	(	(	PUNCT
gujaf-108	165	33	14	14	NUM
gujaf-108	165	34	respondents	respondent	NOUN
gujaf-108	165	35	)	)	PUNCT
gujaf-108	165	36	fall	fall	VERB
gujaf-108	165	37	within	within	ADP
gujaf-108	165	38	the	the	DET
gujaf-108	165	39	categories	category	NOUN
gujaf-108	165	40	of	of	ADP
gujaf-108	165	41	others	other	NOUN
gujaf-108	165	42	who	who	PRON
gujaf-108	165	43	may	may	AUX
gujaf-108	165	44	be	be	AUX
gujaf-108	165	45	window	window	NOUN
gujaf-108	165	46	,	,	PUNCT
gujaf-108	165	47	divorced	divorce	VERB
gujaf-108	165	48	among	among	ADP
gujaf-108	165	49	others	other	NOUN
gujaf-108	165	50	.	.	PUNCT
gujaf-108	166	1	regarding	regard	VERB
gujaf-108	166	2	their	their	PRON
gujaf-108	166	3	highest	high	ADJ
gujaf-108	166	4	educational	educational	ADJ
gujaf-108	166	5	qualifications	qualification	NOUN
gujaf-108	166	6	,	,	PUNCT
gujaf-108	166	7	majority	majority	NOUN
gujaf-108	166	8	of	of	ADP
gujaf-108	166	9	the	the	DET
gujaf-108	166	10	respondents	respondent	NOUN
gujaf-108	166	11	have	have	AUX
gujaf-108	166	12	attained	attain	VERB
gujaf-108	166	13	b.sc./hnd	b.sc./hnd	NOUN
gujaf-108	166	14	degree	degree	NOUN
gujaf-108	166	15	level	level	NOUN
gujaf-108	166	16	.	.	PUNCT
gujaf-108	167	1	54.81	54.81	NUM
gujaf-108	167	2	%	%	NOUN
gujaf-108	167	3	(	(	PUNCT
gujaf-108	167	4	74	74	NUM
gujaf-108	167	5	respondents	respondent	NOUN
gujaf-108	167	6	)	)	PUNCT
gujaf-108	167	7	have	have	AUX
gujaf-108	167	8	b.sc./hnd	b.sc./hnd	NOUN
gujaf-108	167	9	as	as	ADP
gujaf-108	167	10	their	their	PRON
gujaf-108	167	11	highest	high	ADJ
gujaf-108	167	12	educational	educational	ADJ
gujaf-108	167	13	qualification	qualification	NOUN
gujaf-108	167	14	,	,	PUNCT
gujaf-108	167	15	18.52	18.52	NUM
gujaf-108	167	16	%	%	NOUN
gujaf-108	167	17	(	(	PUNCT
gujaf-108	167	18	25	25	NUM
gujaf-108	167	19	respondents	respondent	NOUN
gujaf-108	167	20	)	)	PUNCT
gujaf-108	167	21	are	be	AUX
gujaf-108	167	22	ond	ond	ADJ
gujaf-108	167	23	/	/	SYM
gujaf-108	167	24	nce	nce	NOUN
gujaf-108	167	25	holders	holder	NOUN
gujaf-108	167	26	,	,	PUNCT
gujaf-108	167	27	only	only	ADV
gujaf-108	167	28	8.89	8.89	NUM
gujaf-108	167	29	%	%	NOUN
gujaf-108	167	30	(	(	PUNCT
gujaf-108	167	31	12	12	NUM
gujaf-108	167	32	respondents	respondent	NOUN
gujaf-108	167	33	)	)	PUNCT
gujaf-108	167	34	are	be	AUX
gujaf-108	167	35	secondary	secondary	ADJ
gujaf-108	167	36	/	/	SYM
gujaf-108	167	37	technical	technical	ADJ
gujaf-108	167	38	certificate	certificate	NOUN
gujaf-108	167	39	holders	holder	NOUN
gujaf-108	167	40	and	and	CCONJ
gujaf-108	167	41	17.78	17.78	NUM
gujaf-108	167	42	(	(	PUNCT
gujaf-108	167	43	24	24	NUM
gujaf-108	167	44	respondents	respondent	NOUN
gujaf-108	167	45	)	)	PUNCT
gujaf-108	167	46	have	have	VERB
gujaf-108	167	47	postgraduate	postgraduate	NOUN
gujaf-108	167	48	qualifications	qualification	NOUN
gujaf-108	167	49	.	.	PUNCT
gujaf-108	168	1	as	as	ADP
gujaf-108	168	2	for	for	ADP
gujaf-108	168	3	the	the	DET
gujaf-108	168	4	distribution	distribution	NOUN
gujaf-108	168	5	of	of	ADP
gujaf-108	168	6	the	the	DET
gujaf-108	168	7	respondents	respondent	NOUN
gujaf-108	168	8	regarding	regard	VERB
gujaf-108	168	9	the	the	DET
gujaf-108	168	10	position	position	NOUN
gujaf-108	168	11	they	they	PRON
gujaf-108	168	12	occupy	occupy	VERB
gujaf-108	168	13	in	in	ADP
gujaf-108	168	14	the	the	DET
gujaf-108	168	15	organization	organization	NOUN
gujaf-108	168	16	,	,	PUNCT
gujaf-108	168	17	results	result	NOUN
gujaf-108	168	18	show	show	VERB
gujaf-108	168	19	that	that	SCONJ
gujaf-108	168	20	majority	majority	NOUN
gujaf-108	168	21	of	of	ADP
gujaf-108	168	22	them	they	PRON
gujaf-108	168	23	are	be	AUX
gujaf-108	168	24	managers	manager	NOUN
gujaf-108	168	25	or	or	CCONJ
gujaf-108	168	26	unit	unit	NOUN
gujaf-108	168	27	heads	head	NOUN
gujaf-108	168	28	with	with	ADP
gujaf-108	168	29	58.52	58.52	NUM
gujaf-108	168	30	%	%	NOUN
gujaf-108	168	31	(	(	PUNCT
gujaf-108	168	32	79	79	NUM
gujaf-108	168	33	respondents	respondent	NOUN
gujaf-108	168	34	)	)	PUNCT
gujaf-108	168	35	being	be	AUX
gujaf-108	168	36	managers	manager	NOUN
gujaf-108	168	37	or	or	CCONJ
gujaf-108	168	38	unit	unit	NOUN
gujaf-108	168	39	heads	head	NOUN
gujaf-108	168	40	,	,	PUNCT
gujaf-108	168	41	29.63	29.63	NUM
gujaf-108	168	42	(	(	PUNCT
gujaf-108	168	43	40	40	NUM
gujaf-108	168	44	respondents	respondent	NOUN
gujaf-108	168	45	)	)	PUNCT
gujaf-108	168	46	are	be	AUX
gujaf-108	168	47	senior	senior	ADJ
gujaf-108	168	48	officials	official	NOUN
gujaf-108	168	49	and	and	CCONJ
gujaf-108	168	50	11.85	11.85	NUM
gujaf-108	168	51	%	%	NOUN
gujaf-108	168	52	(	(	PUNCT
gujaf-108	168	53	16	16	NUM
gujaf-108	168	54	respondents	respondent	NOUN
gujaf-108	168	55	)	)	PUNCT
gujaf-108	168	56	being	be	AUX
gujaf-108	168	57	managing	manage	VERB
gujaf-108	168	58	directors	director	NOUN
gujaf-108	168	59	of	of	ADP
gujaf-108	168	60	their	their	PRON
gujaf-108	168	61	various	various	ADJ
gujaf-108	168	62	banks	bank	NOUN
gujaf-108	168	63	.	.	PUNCT
gujaf-108	169	1	in	in	ADP
gujaf-108	169	2	terms	term	NOUN
gujaf-108	169	3	of	of	ADP
gujaf-108	169	4	experience	experience	NOUN
gujaf-108	169	5	on	on	ADP
gujaf-108	169	6	their	their	PRON
gujaf-108	169	7	current	current	ADJ
gujaf-108	169	8	positions	position	NOUN
gujaf-108	169	9	,	,	PUNCT
gujaf-108	169	10	the	the	DET
gujaf-108	169	11	results	result	NOUN
gujaf-108	169	12	show	show	VERB
gujaf-108	169	13	that	that	SCONJ
gujaf-108	169	14	majority	majority	NOUN
gujaf-108	169	15	of	of	ADP
gujaf-108	169	16	the	the	DET
gujaf-108	169	17	sampled	sample	VERB
gujaf-108	169	18	respondents	respondent	NOUN
gujaf-108	169	19	45.93	45.93	NUM
gujaf-108	169	20	%	%	NOUN
gujaf-108	169	21	(	(	PUNCT
gujaf-108	169	22	62	62	NUM
gujaf-108	169	23	respondents	respondent	NOUN
gujaf-108	169	24	)	)	PUNCT
gujaf-108	169	25	have	have	VERB
gujaf-108	169	26	being	be	AUX
gujaf-108	169	27	on	on	ADP
gujaf-108	169	28	their	their	PRON
gujaf-108	169	29	current	current	ADJ
gujaf-108	169	30	position	position	NOUN
gujaf-108	169	31	for	for	ADP
gujaf-108	169	32	between	between	ADP
gujaf-108	169	33	6	6	NUM
gujaf-108	169	34	-	-	SYM
gujaf-108	169	35	10	10	NUM
gujaf-108	169	36	years	year	NOUN
gujaf-108	169	37	.	.	PUNCT
gujaf-108	170	1	17.04	17.04	NUM
gujaf-108	170	2	%	%	NOUN
gujaf-108	170	3	(	(	PUNCT
gujaf-108	170	4	23	23	NUM
gujaf-108	170	5	respondents	respondent	NOUN
gujaf-108	170	6	)	)	PUNCT
gujaf-108	170	7	have	have	AUX
gujaf-108	170	8	spent	spend	VERB
gujaf-108	170	9	less	less	ADJ
gujaf-108	170	10	than	than	ADP
gujaf-108	170	11	5	5	NUM
gujaf-108	170	12	years	year	NOUN
gujaf-108	170	13	on	on	ADP
gujaf-108	170	14	their	their	PRON
gujaf-108	170	15	current	current	ADJ
gujaf-108	170	16	role	role	NOUN
gujaf-108	170	17	,	,	PUNCT
gujaf-108	170	18	22.96	22.96	NUM
gujaf-108	170	19	%	%	NOUN
gujaf-108	170	20	(	(	PUNCT
gujaf-108	170	21	31	31	NUM
gujaf-108	170	22	respondents	respondent	NOUN
gujaf-108	170	23	)	)	PUNCT
gujaf-108	170	24	have	have	VERB
gujaf-108	170	25	between	between	ADP
gujaf-108	170	26	11	11	NUM
gujaf-108	170	27	-	-	SYM
gujaf-108	170	28	20	20	NUM
gujaf-108	170	29	years	year	NOUN
gujaf-108	170	30	of	of	ADP
gujaf-108	170	31	experience	experience	NOUN
gujaf-108	170	32	and	and	CCONJ
gujaf-108	170	33	only	only	ADV
gujaf-108	170	34	14.07	14.07	NUM
gujaf-108	170	35	%	%	NOUN
gujaf-108	170	36	(	(	PUNCT
gujaf-108	170	37	19	19	NUM
gujaf-108	170	38	respondents	respondent	NOUN
gujaf-108	170	39	)	)	PUNCT
gujaf-108	170	40	have	have	VERB
gujaf-108	170	41	over	over	ADP
gujaf-108	170	42	20	20	NUM
gujaf-108	170	43	years‟	years‟	NOUN
gujaf-108	170	44	experience	experience	NOUN
gujaf-108	170	45	on	on	ADP
gujaf-108	170	46	their	their	PRON
gujaf-108	170	47	current	current	ADJ
gujaf-108	170	48	role	role	NOUN
gujaf-108	170	49	in	in	ADP
gujaf-108	170	50	their	their	PRON
gujaf-108	170	51	banks	bank	NOUN
gujaf-108	170	52	.	.	PUNCT
gujaf-108	171	1	over	over	ADP
gujaf-108	171	2	all	all	PRON
gujaf-108	171	3	,	,	PUNCT
gujaf-108	171	4	the	the	DET
gujaf-108	171	5	descriptive	descriptive	ADJ
gujaf-108	171	6	results	result	NOUN
gujaf-108	171	7	of	of	ADP
gujaf-108	171	8	the	the	DET
gujaf-108	171	9	demographic	demographic	ADJ
gujaf-108	171	10	characteristics	characteristic	NOUN
gujaf-108	171	11	of	of	ADP
gujaf-108	171	12	the	the	DET
gujaf-108	171	13	respondents	respondent	NOUN
gujaf-108	171	14	reveal	reveal	VERB
gujaf-108	171	15	that	that	SCONJ
gujaf-108	171	16	the	the	DET
gujaf-108	171	17	sampled	sample	VERB
gujaf-108	171	18	respondents	respondent	NOUN
gujaf-108	171	19	are	be	AUX
gujaf-108	171	20	relatively	relatively	ADV
gujaf-108	171	21	mature	mature	ADJ
gujaf-108	171	22	,	,	PUNCT
gujaf-108	171	23	and	and	CCONJ
gujaf-108	171	24	possess	possess	VERB
gujaf-108	171	25	the	the	DET
gujaf-108	171	26	least	least	ADJ
gujaf-108	171	27	educational	educational	ADJ
gujaf-108	171	28	exposure	exposure	NOUN
gujaf-108	171	29	and	and	CCONJ
gujaf-108	171	30	job	job	NOUN
gujaf-108	171	31	experience	experience	NOUN
gujaf-108	171	32	required	require	VERB
gujaf-108	171	33	to	to	PART
gujaf-108	171	34	reasonably	reasonably	ADV
gujaf-108	171	35	provide	provide	VERB
gujaf-108	171	36	answers	answer	NOUN
gujaf-108	171	37	to	to	ADP
gujaf-108	171	38	questionnaire	questionnaire	NOUN
gujaf-108	171	39	items	item	NOUN
gujaf-108	171	40	.	.	PUNCT
gujaf-108	172	1	preliminary	preliminary	ADJ
gujaf-108	172	2	analysis	analysis	NOUN
gujaf-108	172	3	of	of	ADP
gujaf-108	172	4	the	the	DET
gujaf-108	172	5	data	datum	NOUN
gujaf-108	172	6	this	this	DET
gujaf-108	172	7	section	section	NOUN
gujaf-108	172	8	presents	present	VERB
gujaf-108	172	9	the	the	DET
gujaf-108	172	10	results	result	NOUN
gujaf-108	172	11	of	of	ADP
gujaf-108	172	12	the	the	DET
gujaf-108	172	13	preliminary	preliminary	ADJ
gujaf-108	172	14	„	„	PUNCT
gujaf-108	172	15	check	check	NOUN
gujaf-108	172	16	and	and	CCONJ
gujaf-108	172	17	balance‟	balance‟	NOUN
gujaf-108	172	18	analysis	analysis	NOUN
gujaf-108	172	19	both	both	CCONJ
gujaf-108	172	20	prior	prior	ADV
gujaf-108	172	21	to	to	ADP
gujaf-108	172	22	and	and	CCONJ
gujaf-108	172	23	after	after	ADP
gujaf-108	172	24	the	the	DET
gujaf-108	172	25	main	main	ADJ
gujaf-108	172	26	analysis	analysis	NOUN
gujaf-108	172	27	.	.	PUNCT
gujaf-108	173	1	the	the	DET
gujaf-108	173	2	tests	test	NOUN
gujaf-108	173	3	carried	carry	VERB
gujaf-108	173	4	out	out	ADP
gujaf-108	173	5	include	include	VERB
gujaf-108	173	6	reliability	reliability	NOUN
gujaf-108	173	7	test	test	NOUN
gujaf-108	173	8	(	(	PUNCT
gujaf-108	173	9	using	use	VERB
gujaf-108	173	10	cronbach‟salpa	cronbach‟salpa	NOUN
gujaf-108	173	11	)	)	PUNCT
gujaf-108	173	12	and	and	CCONJ
gujaf-108	173	13	multicolinearity	multicolinearity	NOUN
gujaf-108	173	14	test	test	NOUN
gujaf-108	173	15	(	(	PUNCT
gujaf-108	173	16	variance	variance	NOUN
gujaf-108	173	17	inflation	inflation	NOUN
gujaf-108	173	18	factor	factor	NOUN
gujaf-108	173	19	)	)	PUNCT
gujaf-108	173	20	and	and	CCONJ
gujaf-108	173	21	model	model	NOUN
gujaf-108	173	22	specification	specification	NOUN
gujaf-108	173	23	tests	test	NOUN
gujaf-108	173	24	(	(	PUNCT
gujaf-108	173	25	using	use	VERB
gujaf-108	173	26	linktest	linktest	NOUN
gujaf-108	173	27	)	)	PUNCT
gujaf-108	173	28	.	.	PUNCT
gujaf-108	174	1	normality	normality	NOUN
gujaf-108	174	2	test	test	NOUN
gujaf-108	174	3	was	be	AUX
gujaf-108	174	4	not	not	PART
gujaf-108	174	5	conducted	conduct	VERB
gujaf-108	174	6	as	as	SCONJ
gujaf-108	174	7	it	it	PRON
gujaf-108	174	8	is	be	AUX
gujaf-108	174	9	not	not	PART
gujaf-108	174	10	a	a	DET
gujaf-108	174	11	prerequisite	prerequisite	NOUN
gujaf-108	174	12	for	for	ADP
gujaf-108	174	13	linear	linear	ADJ
gujaf-108	174	14	probability	probability	NOUN
gujaf-108	174	15	models	model	NOUN
gujaf-108	174	16	.	.	PUNCT
gujaf-108	175	1	reliability	reliability	NOUN
gujaf-108	175	2	test	test	NOUN
gujaf-108	175	3	the	the	DET
gujaf-108	175	4	result	result	NOUN
gujaf-108	175	5	as	as	SCONJ
gujaf-108	175	6	presented	present	VERB
gujaf-108	175	7	in	in	ADP
gujaf-108	175	8	table	table	NOUN
gujaf-108	175	9	3	3	NUM
gujaf-108	175	10	depicted	depict	VERB
gujaf-108	175	11	that	that	SCONJ
gujaf-108	175	12	the	the	DET
gujaf-108	175	13	cronbach	cronbach	ADJ
gujaf-108	175	14	alpha	alpha	NOUN
gujaf-108	175	15	statistics	statistic	NOUN
gujaf-108	175	16	of	of	ADP
gujaf-108	175	17	77	77	NUM
gujaf-108	175	18	%	%	NOUN
gujaf-108	175	19	,	,	PUNCT
gujaf-108	175	20	74	74	NUM
gujaf-108	175	21	%	%	NOUN
gujaf-108	175	22	and	and	CCONJ
gujaf-108	175	23	71	71	NUM
gujaf-108	175	24	%	%	NOUN
gujaf-108	175	25	for	for	ADP
gujaf-108	175	26	loan	loan	NOUN
gujaf-108	175	27	performance	performance	NOUN
gujaf-108	175	28	,	,	PUNCT
gujaf-108	175	29	credit	credit	NOUN
gujaf-108	175	30	appraisal	appraisal	NOUN
gujaf-108	175	31	policy	policy	NOUN
gujaf-108	175	32	and	and	CCONJ
gujaf-108	175	33	collection	collection	NOUN
gujaf-108	175	34	policy	policy	NOUN
gujaf-108	175	35	respectively	respectively	ADV
gujaf-108	175	36	which	which	PRON
gujaf-108	175	37	are	be	AUX
gujaf-108	175	38	adjudged	adjudge	VERB
gujaf-108	175	39	adequate	adequate	ADJ
gujaf-108	175	40	.	.	PUNCT
gujaf-108	176	1	an	an	DET
gujaf-108	176	2	acceptable	acceptable	ADJ
gujaf-108	176	3	standard	standard	NOUN
gujaf-108	176	4	is	be	AUX
gujaf-108	176	5	that	that	SCONJ
gujaf-108	176	6	it	it	PRON
gujaf-108	176	7	should	should	AUX
gujaf-108	176	8	range	range	VERB
gujaf-108	176	9	between	between	ADP
gujaf-108	176	10	0.7	0.7	NUM
gujaf-108	176	11	and	and	CCONJ
gujaf-108	176	12	0.8	0.8	NUM
gujaf-108	176	13	(	(	PUNCT
gujaf-108	176	14	field	field	NOUN
gujaf-108	176	15	,	,	PUNCT
gujaf-108	176	16	2006	2006	NUM
gujaf-108	176	17	)	)	PUNCT
gujaf-108	176	18	.	.	PUNCT
gujaf-108	177	1	this	this	PRON
gujaf-108	177	2	attests	attest	VERB
gujaf-108	177	3	to	to	ADP
gujaf-108	177	4	the	the	DET
gujaf-108	177	5	reliability	reliability	NOUN
gujaf-108	177	6	of	of	ADP
gujaf-108	177	7	research	research	NOUN
gujaf-108	177	8	instrument	instrument	NOUN
gujaf-108	177	9	of	of	ADP
gujaf-108	177	10	data	datum	NOUN
gujaf-108	177	11	gathering	gathering	NOUN
gujaf-108	177	12	.	.	PUNCT
gujaf-108	178	1	table	table	NOUN
gujaf-108	178	2	3	3	NUM
gujaf-108	178	3	:	:	PUNCT
gujaf-108	178	4	cronbach	cronbach	PROPN
gujaf-108	178	5	’s	’s	PART
gujaf-108	178	6	alpha	alpha	NOUN
gujaf-108	178	7	statistics	statistic	NOUN
gujaf-108	178	8	variables	variable	NOUN
gujaf-108	178	9	cronbach‟s	cronbach‟s	ADJ
gujaf-108	178	10	alpha	alpha	NOUN
gujaf-108	178	11	n	n	PRON
gujaf-108	178	12	loan	loan	NOUN
gujaf-108	178	13	performance	performance	NOUN
gujaf-108	178	14	0.77	0.77	NUM
gujaf-108	178	15	5	5	NUM
gujaf-108	178	16	credit	credit	NOUN
gujaf-108	178	17	appraisal	appraisal	NOUN
gujaf-108	178	18	policy	policy	NOUN
gujaf-108	178	19	0.74	0.74	NUM
gujaf-108	178	20	8	8	NUM
gujaf-108	178	21	collection	collection	NOUN
gujaf-108	178	22	policy	policy	NOUN
gujaf-108	178	23	0.71	0.71	NUM
gujaf-108	178	24	5	5	NUM
gujaf-108	178	25	source	source	NOUN
gujaf-108	178	26	:	:	PUNCT
gujaf-108	178	27	author	author	NOUN
gujaf-108	178	28	’s	’s	PART
gujaf-108	178	29	computation	computation	NOUN
gujaf-108	178	30	,	,	PUNCT
gujaf-108	178	31	2022	2022	NUM
gujaf-108	178	32	multicollinearity	multicollinearity	NOUN
gujaf-108	178	33	assessment	assessment	NOUN
gujaf-108	178	34	multicollinearity	multicollinearity	NOUN
gujaf-108	178	35	test	test	NOUN
gujaf-108	178	36	was	be	AUX
gujaf-108	178	37	carried	carry	VERB
gujaf-108	178	38	out	out	ADP
gujaf-108	178	39	on	on	ADP
gujaf-108	178	40	the	the	DET
gujaf-108	178	41	explanatory	explanatory	ADJ
gujaf-108	178	42	variables	variable	NOUN
gujaf-108	178	43	involved	involve	VERB
gujaf-108	178	44	in	in	ADP
gujaf-108	178	45	the	the	DET
gujaf-108	178	46	multiple	multiple	ADJ
gujaf-108	178	47	regression	regression	NOUN
gujaf-108	178	48	analysis	analysis	NOUN
gujaf-108	178	49	using	use	VERB
gujaf-108	178	50	variance	variance	NOUN
gujaf-108	178	51	inflation	inflation	NOUN
gujaf-108	178	52	factor	factor	NOUN
gujaf-108	178	53	(	(	PUNCT
gujaf-108	178	54	vif	vif	PROPN
gujaf-108	178	55	)	)	PUNCT
gujaf-108	178	56	.	.	PUNCT
gujaf-108	179	1	the	the	DET
gujaf-108	179	2	variance	variance	NOUN
gujaf-108	179	3	inflation	inflation	NOUN
gujaf-108	179	4	factor	factor	NOUN
gujaf-108	179	5	also	also	ADV
gujaf-108	179	6	indicates	indicate	VERB
gujaf-108	179	7	that	that	SCONJ
gujaf-108	179	8	problematic	problematic	ADJ
gujaf-108	179	9	multicollinearity	multicollinearity	NOUN
gujaf-108	179	10	is	be	AUX
gujaf-108	179	11	not	not	PART
gujaf-108	179	12	present	present	ADJ
gujaf-108	179	13	in	in	ADP
gujaf-108	179	14	the	the	DET
gujaf-108	179	15	model	model	NOUN
gujaf-108	179	16	.	.	PUNCT
gujaf-108	180	1	this	this	PRON
gujaf-108	180	2	is	be	AUX
gujaf-108	180	3	obvious	obvious	ADJ
gujaf-108	180	4	from	from	ADP
gujaf-108	180	5	the	the	DET
gujaf-108	180	6	average	average	ADJ
gujaf-108	180	7	vif	vif	NOUN
gujaf-108	180	8	of	of	ADP
gujaf-108	180	9	below	below	ADP
gujaf-108	180	10	10	10	NUM
gujaf-108	180	11	as	as	SCONJ
gujaf-108	180	12	presented	present	VERB
gujaf-108	180	13	in	in	ADP
gujaf-108	180	14	table	table	NOUN
gujaf-108	180	15	4	4	NUM
gujaf-108	180	16	.	.	PUNCT
gujaf-108	181	1	hence	hence	ADV
gujaf-108	181	2	,	,	PUNCT
gujaf-108	181	3	multicolinearity	multicolinearity	NOUN
gujaf-108	181	4	problem	problem	NOUN
gujaf-108	181	5	is	be	AUX
gujaf-108	181	6	not	not	PART
gujaf-108	181	7	severe	severe	ADJ
gujaf-108	181	8	or	or	CCONJ
gujaf-108	181	9	nonexistent	nonexistent	ADJ
gujaf-108	181	10	.	.	PUNCT
gujaf-108	182	1	table	table	NOUN
gujaf-108	182	2	4	4	NUM
gujaf-108	182	3	:	:	PUNCT
gujaf-108	182	4	variance	variance	NOUN
gujaf-108	182	5	inflation	inflation	NOUN
gujaf-108	182	6	factor	factor	NOUN
gujaf-108	182	7	variable	variable	ADJ
gujaf-108	182	8	vif	vif	NOUN
gujaf-108	182	9	1	1	NUM
gujaf-108	182	10	/	/	SYM
gujaf-108	182	11	vif	vif	NOUN
gujaf-108	182	12	credit	credit	NOUN
gujaf-108	182	13	appraisal	appraisal	NOUN
gujaf-108	182	14	policy	policy	NOUN
gujaf-108	182	15	2.37	2.37	NUM
gujaf-108	182	16	0.2114	0.2114	NUM
gujaf-108	182	17	8	8	NUM
gujaf-108	182	18	collection	collection	NOUN
gujaf-108	182	19	policy	policy	NOUN
gujaf-108	182	20	4.82	4.82	NUM
gujaf-108	182	21	0.2301	0.2301	NUM
gujaf-108	182	22	mean	mean	NOUN
gujaf-108	182	23	vif	vif	PROPN
gujaf-108	182	24	3.60	3.60	NUM
gujaf-108	182	25	source	source	NOUN
gujaf-108	182	26	:	:	PUNCT
gujaf-108	182	27	author	author	NOUN
gujaf-108	182	28	’s	’s	PART
gujaf-108	182	29	computations	computation	NOUN
gujaf-108	182	30	,	,	PUNCT
gujaf-108	182	31	2021	2021	NUM
gujaf-108	182	32	.	.	PUNCT
gujaf-108	183	1	asteriou	asteriou	NOUN
gujaf-108	183	2	and	and	CCONJ
gujaf-108	183	3	hall	hall	NOUN
gujaf-108	183	4	(	(	PUNCT
gujaf-108	183	5	2016	2016	NUM
gujaf-108	183	6	)	)	PUNCT
gujaf-108	183	7	are	be	AUX
gujaf-108	183	8	of	of	ADP
gujaf-108	183	9	the	the	DET
gujaf-108	183	10	opinion	opinion	NOUN
gujaf-108	183	11	that	that	SCONJ
gujaf-108	183	12	vif	vif	PROPN
gujaf-108	183	13	values	value	VERB
gujaf-108	183	14	greater	great	ADJ
gujaf-108	183	15	than	than	ADP
gujaf-108	183	16	10	10	NUM
gujaf-108	183	17	generally	generally	ADV
gujaf-108	183	18	indicate	indicate	VERB
gujaf-108	183	19	a	a	DET
gujaf-108	183	20	situation	situation	NOUN
gujaf-108	183	21	of	of	ADP
gujaf-108	183	22	problematic	problematic	ADJ
gujaf-108	183	23	multicollinearity	multicollinearity	NOUN
gujaf-108	183	24	.	.	PUNCT
gujaf-108	184	1	this	this	PRON
gujaf-108	184	2	is	be	AUX
gujaf-108	184	3	always	always	ADV
gujaf-108	184	4	the	the	DET
gujaf-108	184	5	case	case	NOUN
gujaf-108	184	6	when	when	SCONJ
gujaf-108	184	7	r	r	NOUN
gujaf-108	184	8	-	-	PUNCT
gujaf-108	184	9	squared	square	VERB
gujaf-108	184	10	of	of	ADP
gujaf-108	184	11	the	the	DET
gujaf-108	184	12	model	model	NOUN
gujaf-108	184	13	is	be	AUX
gujaf-108	184	14	exceeds	exceed	NOUN
gujaf-108	184	15	a	a	DET
gujaf-108	184	16	threshold	threshold	NOUN
gujaf-108	184	17	of	of	ADP
gujaf-108	184	18	0.9	0.9	NUM
gujaf-108	184	19	.	.	PUNCT
gujaf-108	185	1	model	model	NOUN
gujaf-108	185	2	specification	specification	NOUN
gujaf-108	185	3	tests	test	NOUN
gujaf-108	185	4	table	table	VERB
gujaf-108	185	5	5	5	NUM
gujaf-108	185	6	depicts	depict	VERB
gujaf-108	185	7	the	the	DET
gujaf-108	185	8	test	test	NOUN
gujaf-108	185	9	for	for	ADP
gujaf-108	185	10	loan	loan	NOUN
gujaf-108	185	11	performance	performance	NOUN
gujaf-108	185	12	model	model	NOUN
gujaf-108	185	13	specification	specification	NOUN
gujaf-108	185	14	with	with	ADP
gujaf-108	185	15	a	a	DET
gujaf-108	185	16	view	view	NOUN
gujaf-108	185	17	to	to	ADP
gujaf-108	185	18	ascertaining	ascertain	VERB
gujaf-108	185	19	the	the	DET
gujaf-108	185	20	correctness	correctness	NOUN
gujaf-108	185	21	or	or	CCONJ
gujaf-108	185	22	otherwise	otherwise	ADV
gujaf-108	185	23	of	of	ADP
gujaf-108	185	24	the	the	DET
gujaf-108	185	25	model	model	NOUN
gujaf-108	185	26	specified	specify	VERB
gujaf-108	185	27	for	for	ADP
gujaf-108	185	28	the	the	DET
gujaf-108	185	29	study	study	NOUN
gujaf-108	185	30	.	.	PUNCT
gujaf-108	186	1	in	in	ADP
gujaf-108	186	2	other	other	ADJ
gujaf-108	186	3	words	word	NOUN
gujaf-108	186	4	the	the	DET
gujaf-108	186	5	test	test	NOUN
gujaf-108	186	6	is	be	AUX
gujaf-108	186	7	crucial	crucial	ADJ
gujaf-108	186	8	to	to	PART
gujaf-108	186	9	detect	detect	VERB
gujaf-108	186	10	if	if	SCONJ
gujaf-108	186	11	the	the	DET
gujaf-108	186	12	model	model	NOUN
gujaf-108	186	13	specified	specify	VERB
gujaf-108	186	14	is	be	AUX
gujaf-108	186	15	devoid	devoid	ADJ
gujaf-108	186	16	of	of	ADP
gujaf-108	186	17	specification	specification	NOUN
gujaf-108	186	18	error	error	NOUN
gujaf-108	186	19	.	.	PUNCT
gujaf-108	187	1	table	table	NOUN
gujaf-108	187	2	5	5	NUM
gujaf-108	187	3	:	:	PUNCT
gujaf-108	187	4	model	model	NOUN
gujaf-108	187	5	specification	specification	NOUN
gujaf-108	187	6	test	test	NOUN
gujaf-108	187	7	–	–	PUNCT
gujaf-108	187	8	loan	loan	NOUN
gujaf-108	187	9	performance	performance	NOUN
gujaf-108	187	10	model	model	NOUN
gujaf-108	187	11	lending	lending	NOUN
gujaf-108	187	12	policies	policy	NOUN
gujaf-108	187	13	coefficient	coefficient	VERB
gujaf-108	187	14	p	p	NOUN
gujaf-108	187	15	-	-	PUNCT
gujaf-108	187	16	value	value	NOUN
gujaf-108	187	17	_	_	NOUN
gujaf-108	187	18	hat	hat	NOUN
gujaf-108	188	1	1.052	1.052	NUM
gujaf-108	188	2	0.001	0.001	NUM
gujaf-108	188	3	_	_	PRON
gujaf-108	188	4	hatsq	hatsq	NOUN
gujaf-108	188	5	0.108	0.108	NUM
gujaf-108	188	6	0.056	0.056	NUM
gujaf-108	188	7	constant	constant	ADJ
gujaf-108	188	8	0.231	0.231	NUM
gujaf-108	188	9	0.289	0.289	NUM
gujaf-108	188	10	source	source	NOUN
gujaf-108	188	11	:	:	PUNCT
gujaf-108	188	12	author	author	NOUN
gujaf-108	188	13	’s	’s	PART
gujaf-108	188	14	computation	computation	NOUN
gujaf-108	188	15	,	,	PUNCT
gujaf-108	188	16	2021	2021	NUM
gujaf-108	188	17	.	.	PUNCT
gujaf-108	189	1	the	the	DET
gujaf-108	189	2	study	study	NOUN
gujaf-108	189	3	employs	employ	VERB
gujaf-108	189	4	link	link	NOUN
gujaf-108	189	5	test	test	NOUN
gujaf-108	189	6	specification	specification	NOUN
gujaf-108	189	7	test	test	NOUN
gujaf-108	189	8	.	.	PUNCT
gujaf-108	190	1	the	the	DET
gujaf-108	190	2	test	test	NOUN
gujaf-108	190	3	uses	use	VERB
gujaf-108	190	4	the	the	DET
gujaf-108	190	5	linear	linear	ADJ
gujaf-108	190	6	predicted	predict	VERB
gujaf-108	190	7	value	value	NOUN
gujaf-108	190	8	(	(	PUNCT
gujaf-108	190	9	_	_	NOUN
gujaf-108	190	10	hat	hat	NOUN
gujaf-108	190	11	)	)	PUNCT
gujaf-108	190	12	and	and	CCONJ
gujaf-108	190	13	linear	linear	PROPN
gujaf-108	190	14	predicted	predict	VERB
gujaf-108	190	15	value	value	NOUN
gujaf-108	190	16	squared	square	VERB
gujaf-108	190	17	(	(	PUNCT
gujaf-108	190	18	_	_	NOUN
gujaf-108	190	19	hatsq	hatsq	NOUN
gujaf-108	190	20	)	)	PUNCT
gujaf-108	190	21	as	as	ADP
gujaf-108	190	22	the	the	DET
gujaf-108	190	23	predictors	predictor	NOUN
gujaf-108	190	24	of	of	ADP
gujaf-108	190	25	good	good	ADJ
gujaf-108	190	26	model	model	NOUN
gujaf-108	190	27	.	.	PUNCT
gujaf-108	191	1	for	for	SCONJ
gujaf-108	191	2	the	the	DET
gujaf-108	191	3	model	model	NOUN
gujaf-108	191	4	to	to	PART
gujaf-108	191	5	be	be	AUX
gujaf-108	191	6	well	well	ADV
gujaf-108	191	7	specified	specify	VERB
gujaf-108	191	8	the	the	DET
gujaf-108	191	9	variable	variable	ADJ
gujaf-108	191	10	_	_	PRON
gujaf-108	191	11	hat	hat	NOUN
gujaf-108	191	12	must	must	AUX
gujaf-108	191	13	be	be	AUX
gujaf-108	191	14	statistically	statistically	ADV
gujaf-108	191	15	significant	significant	ADJ
gujaf-108	191	16	and	and	CCONJ
gujaf-108	191	17	the	the	DET
gujaf-108	191	18	variable	variable	ADJ
gujaf-108	191	19	_	_	PROPN
gujaf-108	191	20	hatsq	hatsq	NOUN
gujaf-108	191	21	must	must	AUX
gujaf-108	191	22	not	not	PART
gujaf-108	191	23	have	have	VERB
gujaf-108	191	24	much	much	ADJ
gujaf-108	191	25	predictive	predictive	ADJ
gujaf-108	191	26	power	power	NOUN
gujaf-108	191	27	except	except	SCONJ
gujaf-108	191	28	by	by	ADP
gujaf-108	191	29	chance	chance	NOUN
gujaf-108	191	30	that	that	PRON
gujaf-108	191	31	is	be	AUX
gujaf-108	191	32	,	,	PUNCT
gujaf-108	191	33	it	it	PRON
gujaf-108	191	34	must	must	AUX
gujaf-108	191	35	not	not	PART
gujaf-108	191	36	be	be	AUX
gujaf-108	191	37	statistically	statistically	ADV
gujaf-108	191	38	significant	significant	ADJ
gujaf-108	191	39	at	at	ADP
gujaf-108	191	40	0.05	0.05	NUM
gujaf-108	191	41	.	.	PUNCT
gujaf-108	192	1	also	also	ADV
gujaf-108	192	2	,	,	PUNCT
gujaf-108	192	3	as	as	SCONJ
gujaf-108	192	4	depicted	depict	VERB
gujaf-108	192	5	in	in	ADP
gujaf-108	192	6	table	table	NOUN
gujaf-108	192	7	5	5	NUM
gujaf-108	192	8	the	the	PRON
gujaf-108	192	9	_	_	ADJ
gujaf-108	192	10	hat	hat	NOUN
gujaf-108	192	11	is	be	AUX
gujaf-108	192	12	statistically	statistically	ADV
gujaf-108	192	13	significant	significant	ADJ
gujaf-108	192	14	and	and	CCONJ
gujaf-108	192	15	_	_	DET
gujaf-108	192	16	hatsq	hatsq	NOUN
gujaf-108	192	17	is	be	AUX
gujaf-108	192	18	not	not	PART
gujaf-108	192	19	statistically	statistically	ADV
gujaf-108	192	20	significant	significant	ADJ
gujaf-108	192	21	at	at	ADP
gujaf-108	192	22	0.01	0.01	NUM
gujaf-108	192	23	and	and	CCONJ
gujaf-108	192	24	0.05	0.05	NUM
gujaf-108	192	25	respectively	respectively	ADV
gujaf-108	192	26	.	.	PUNCT
gujaf-108	193	1	the	the	DET
gujaf-108	193	2	statistical	statistical	ADJ
gujaf-108	193	3	significance	significance	NOUN
gujaf-108	193	4	of	of	ADP
gujaf-108	193	5	_	_	DET
gujaf-108	193	6	hatsq	hatsq	NOUN
gujaf-108	193	7	0.1	0.1	NUM
gujaf-108	193	8	level	level	NOUN
gujaf-108	193	9	of	of	ADP
gujaf-108	193	10	significant	significant	ADJ
gujaf-108	193	11	is	be	AUX
gujaf-108	193	12	an	an	DET
gujaf-108	193	13	indication	indication	NOUN
gujaf-108	193	14	of	of	ADP
gujaf-108	193	15	nothing	nothing	PRON
gujaf-108	193	16	but	but	SCONJ
gujaf-108	193	17	a	a	DET
gujaf-108	193	18	weak	weak	ADJ
gujaf-108	193	19	importance	importance	NOUN
gujaf-108	193	20	.	.	PUNCT
gujaf-108	194	1	conclusion	conclusion	NOUN
gujaf-108	194	2	can	can	AUX
gujaf-108	194	3	thus	thus	ADV
gujaf-108	194	4	be	be	AUX
gujaf-108	194	5	drawn	draw	VERB
gujaf-108	194	6	that	that	SCONJ
gujaf-108	194	7	the	the	DET
gujaf-108	194	8	model	model	NOUN
gujaf-108	194	9	is	be	AUX
gujaf-108	194	10	correctly	correctly	ADV
gujaf-108	194	11	specified	specify	VERB
gujaf-108	194	12	.	.	PUNCT
gujaf-108	195	1	analysis	analysis	NOUN
gujaf-108	195	2	of	of	ADP
gujaf-108	195	3	effect	effect	NOUN
gujaf-108	195	4	of	of	ADP
gujaf-108	195	5	credit	credit	NOUN
gujaf-108	195	6	appraisal	appraisal	NOUN
gujaf-108	195	7	policy	policy	NOUN
gujaf-108	195	8	and	and	CCONJ
gujaf-108	195	9	collection	collection	NOUN
gujaf-108	195	10	policy	policy	NOUN
gujaf-108	195	11	on	on	ADP
gujaf-108	195	12	loan	loan	NOUN
gujaf-108	195	13	performance	performance	NOUN
gujaf-108	195	14	among	among	ADP
gujaf-108	195	15	microfinance	microfinance	NOUN
gujaf-108	195	16	banks	bank	NOUN
gujaf-108	195	17	in	in	ADP
gujaf-108	195	18	kwara	kwara	PROPN
gujaf-108	195	19	state	state	PROPN
gujaf-108	195	20	to	to	PART
gujaf-108	195	21	achieved	achieved	VERB
gujaf-108	195	22	research	research	NOUN
gujaf-108	195	23	objective	objective	NOUN
gujaf-108	195	24	and	and	CCONJ
gujaf-108	195	25	test	test	VERB
gujaf-108	195	26	the	the	DET
gujaf-108	195	27	study	study	NOUN
gujaf-108	195	28	hypotheses	hypothesis	NOUN
gujaf-108	195	29	linear	linear	VERB
gujaf-108	195	30	probability	probability	NOUN
gujaf-108	195	31	model	model	NOUN
gujaf-108	195	32	known	know	VERB
gujaf-108	195	33	as	as	ADP
gujaf-108	195	34	ordered	order	VERB
gujaf-108	195	35	logit	logit	PROPN
gujaf-108	195	36	model	model	NOUN
gujaf-108	195	37	with	with	ADP
gujaf-108	195	38	average	average	ADJ
gujaf-108	195	39	partial	partial	ADJ
gujaf-108	195	40	effect	effect	NOUN
gujaf-108	195	41	was	be	AUX
gujaf-108	195	42	employed	employ	VERB
gujaf-108	195	43	.	.	PUNCT
gujaf-108	196	1	the	the	DET
gujaf-108	196	2	model	model	NOUN
gujaf-108	196	3	is	be	AUX
gujaf-108	196	4	tagged	tag	VERB
gujaf-108	196	5	“	"	PUNCT
gujaf-108	196	6	model	model	NOUN
gujaf-108	196	7	for	for	ADP
gujaf-108	196	8	loan	loan	NOUN
gujaf-108	196	9	performance	performance	NOUN
gujaf-108	196	10	”	"	PUNCT
gujaf-108	196	11	.	.	PUNCT
gujaf-108	197	1	in	in	ADP
gujaf-108	197	2	the	the	DET
gujaf-108	197	3	model	model	NOUN
gujaf-108	197	4	for	for	ADP
gujaf-108	197	5	loan	loan	NOUN
gujaf-108	197	6	performance	performance	NOUN
gujaf-108	197	7	,	,	PUNCT
gujaf-108	197	8	the	the	DET
gujaf-108	197	9	study	study	NOUN
gujaf-108	197	10	dependent	dependent	ADJ
gujaf-108	197	11	variable	variable	NOUN
gujaf-108	197	12	is	be	AUX
gujaf-108	197	13	categorical	categorical	ADJ
gujaf-108	197	14	and	and	CCONJ
gujaf-108	197	15	can	can	AUX
gujaf-108	197	16	be	be	AUX
gujaf-108	197	17	ordered	order	VERB
gujaf-108	197	18	,	,	PUNCT
gujaf-108	197	19	taking	take	VERB
gujaf-108	197	20	values	value	NOUN
gujaf-108	197	21	of	of	ADP
gujaf-108	197	22	1	1	NUM
gujaf-108	197	23	,	,	PUNCT
gujaf-108	197	24	2	2	NUM
gujaf-108	197	25	,	,	PUNCT
gujaf-108	197	26	3	3	NUM
gujaf-108	197	27	,	,	PUNCT
gujaf-108	197	28	4	4	NUM
gujaf-108	197	29	and	and	CCONJ
gujaf-108	197	30	5	5	NUM
gujaf-108	197	31	if	if	SCONJ
gujaf-108	197	32	the	the	DET
gujaf-108	197	33	loan	loan	NOUN
gujaf-108	197	34	performance	performance	NOUN
gujaf-108	197	35	status	status	NOUN
gujaf-108	197	36	for	for	ADP
gujaf-108	197	37	the	the	DET
gujaf-108	197	38	mfbs	mfbs	NOUN
gujaf-108	197	39	is	be	AUX
gujaf-108	197	40	loss	loss	NOUN
gujaf-108	197	41	,	,	PUNCT
gujaf-108	197	42	doubtful	doubtful	ADJ
gujaf-108	197	43	,	,	PUNCT
gujaf-108	197	44	substandard	substandard	ADJ
gujaf-108	197	45	,	,	PUNCT
gujaf-108	197	46	pass	pass	NOUN
gujaf-108	197	47	and	and	CCONJ
gujaf-108	197	48	watch	watch	VERB
gujaf-108	197	49	,	,	PUNCT
gujaf-108	197	50	and	and	CCONJ
gujaf-108	197	51	performing	perform	VERB
gujaf-108	197	52	respectively	respectively	ADV
gujaf-108	197	53	.	.	PUNCT
gujaf-108	198	1	the	the	DET
gujaf-108	198	2	set	set	NOUN
gujaf-108	198	3	of	of	ADP
gujaf-108	198	4	explanatory	explanatory	ADJ
gujaf-108	198	5	variables	variable	NOUN
gujaf-108	198	6	are	be	AUX
gujaf-108	198	7	also	also	ADV
gujaf-108	198	8	categorized	categorize	VERB
gujaf-108	198	9	in	in	ADP
gujaf-108	198	10	this	this	DET
gujaf-108	198	11	model	model	NOUN
gujaf-108	198	12	into	into	ADP
gujaf-108	198	13	credit	credit	NOUN
gujaf-108	198	14	appraisal	appraisal	NOUN
gujaf-108	198	15	policy	policy	NOUN
gujaf-108	198	16	and	and	CCONJ
gujaf-108	198	17	collection	collection	NOUN
gujaf-108	198	18	policy	policy	NOUN
gujaf-108	198	19	.	.	PUNCT
gujaf-108	199	1	table	table	NOUN
gujaf-108	199	2	6	6	NUM
gujaf-108	199	3	:	:	PUNCT
gujaf-108	199	4	ordered	order	VERB
gujaf-108	199	5	logit	logit	PROPN
gujaf-108	199	6	regression	regression	NOUN
gujaf-108	199	7	model	model	NOUN
gujaf-108	199	8	of	of	ADP
gujaf-108	199	9	lending	lending	NOUN
gujaf-108	199	10	policies	policy	NOUN
gujaf-108	199	11	effects	effect	NOUN
gujaf-108	199	12	on	on	ADP
gujaf-108	199	13	loan	loan	NOUN
gujaf-108	199	14	performance	performance	NOUN
gujaf-108	199	15	variables	variable	NOUN
gujaf-108	199	16	coefficients	coefficient	VERB
gujaf-108	199	17	p	p	NOUN
gujaf-108	199	18	-	-	PUNCT
gujaf-108	199	19	value	value	NOUN
gujaf-108	199	20	crpp	crpp	NOUN
gujaf-108	199	21	0.0316	0.0316	NUM
gujaf-108	199	22	0.683	0.683	NUM
gujaf-108	199	23	(	(	PUNCT
gujaf-108	199	24	0.0773	0.0773	NUM
gujaf-108	199	25	)	)	PUNCT
gujaf-108	199	26	cpy	cpy	NOUN
gujaf-108	199	27	1.126	1.126	NUM
gujaf-108	199	28	*	*	PUNCT
gujaf-108	199	29	*	*	X
gujaf-108	199	30	0.034	0.034	NUM
gujaf-108	199	31	(	(	PUNCT
gujaf-108	199	32	0.527	0.527	NUM
gujaf-108	199	33	)	)	PUNCT
gujaf-108	199	34	observations	observation	NOUN
gujaf-108	199	35	f	f	NOUN
gujaf-108	199	36	-	-	PUNCT
gujaf-108	199	37	statistic	statistic	ADJ
gujaf-108	199	38	pseudo	pseudo	NOUN
gujaf-108	199	39	r	r	NOUN
gujaf-108	199	40	-	-	PUNCT
gujaf-108	199	41	squared	square	VERB
gujaf-108	199	42	135	135	NUM
gujaf-108	199	43	7.10	7.10	NUM
gujaf-108	199	44	*	*	PUNCT
gujaf-108	199	45	*	*	PUNCT
gujaf-108	199	46	*	*	PUNCT
gujaf-108	199	47	0.4958	0.4958	NUM
gujaf-108	199	48	wald	wald	NOUN
gujaf-108	199	49	test	test	NOUN
gujaf-108	199	50	8.15	8.15	NUM
gujaf-108	199	51	*	*	PUNCT
gujaf-108	199	52	*	*	PUNCT
gujaf-108	199	53	*	*	SYM
gujaf-108	199	54	9	9	NUM
gujaf-108	199	55	jackknife	jackknife	NOUN
gujaf-108	199	56	robust	robust	ADJ
gujaf-108	199	57	standard	standard	ADJ
gujaf-108	199	58	errors	error	NOUN
gujaf-108	199	59	in	in	ADP
gujaf-108	199	60	parentheses	parenthesis	NOUN
gujaf-108	199	61	*	*	PUNCT
gujaf-108	199	62	*	*	PUNCT
gujaf-108	199	63	*	*	PUNCT
gujaf-108	199	64	p<0.01	p<0.01	PROPN
gujaf-108	199	65	,	,	PUNCT
gujaf-108	199	66	*	*	PUNCT
gujaf-108	199	67	*	*	PUNCT
gujaf-108	199	68	p<0.05	p<0.05	NOUN
gujaf-108	199	69	,	,	PUNCT
gujaf-108	199	70	*	*	SYM
gujaf-108	199	71	p<0.1	p<0.1	NUM
gujaf-108	199	72	source	source	NOUN
gujaf-108	199	73	:	:	PUNCT
gujaf-108	199	74	author	author	NOUN
gujaf-108	199	75	’s	’s	PART
gujaf-108	199	76	computations	computation	NOUN
gujaf-108	199	77	,	,	PUNCT
gujaf-108	199	78	2022	2022	NUM
gujaf-108	199	79	estimation	estimation	NOUN
gujaf-108	199	80	of	of	ADP
gujaf-108	199	81	the	the	DET
gujaf-108	199	82	model	model	NOUN
gujaf-108	199	83	was	be	AUX
gujaf-108	199	84	done	do	VERB
gujaf-108	199	85	with	with	ADP
gujaf-108	199	86	jackknife	jackknife	NOUN
gujaf-108	199	87	robust	robust	ADJ
gujaf-108	199	88	estimates	estimate	NOUN
gujaf-108	199	89	of	of	ADP
gujaf-108	199	90	standard	standard	ADJ
gujaf-108	199	91	errors	error	NOUN
gujaf-108	199	92	to	to	PART
gujaf-108	199	93	take	take	VERB
gujaf-108	199	94	care	care	NOUN
gujaf-108	199	95	of	of	ADP
gujaf-108	199	96	the	the	DET
gujaf-108	199	97	probable	probable	ADJ
gujaf-108	199	98	heteroskedasticity	heteroskedasticity	NOUN
gujaf-108	199	99	that	that	PRON
gujaf-108	199	100	may	may	AUX
gujaf-108	199	101	affect	affect	VERB
gujaf-108	199	102	it	it	PRON
gujaf-108	199	103	.	.	PUNCT
gujaf-108	200	1	the	the	DET
gujaf-108	200	2	results	result	NOUN
gujaf-108	200	3	reveal	reveal	VERB
gujaf-108	200	4	f	f	ADJ
gujaf-108	200	5	-	-	PUNCT
gujaf-108	200	6	statistic	statistic	ADJ
gujaf-108	200	7	value	value	NOUN
gujaf-108	200	8	of	of	ADP
gujaf-108	200	9	7.10	7.10	NUM
gujaf-108	200	10	with	with	ADP
gujaf-108	200	11	p	p	NOUN
gujaf-108	200	12	-	-	PUNCT
gujaf-108	200	13	value	value	NOUN
gujaf-108	200	14	of	of	ADP
gujaf-108	200	15	0.01	0.01	NUM
gujaf-108	200	16	indicating	indicate	VERB
gujaf-108	200	17	that	that	SCONJ
gujaf-108	200	18	the	the	DET
gujaf-108	200	19	overall	overall	ADJ
gujaf-108	200	20	model	model	NOUN
gujaf-108	200	21	is	be	AUX
gujaf-108	200	22	significantly	significantly	ADV
gujaf-108	200	23	explaining	explain	VERB
gujaf-108	200	24	the	the	DET
gujaf-108	200	25	probability	probability	NOUN
gujaf-108	200	26	of	of	ADP
gujaf-108	200	27	loan	loan	NOUN
gujaf-108	200	28	performance	performance	NOUN
gujaf-108	200	29	of	of	ADP
gujaf-108	200	30	mfbs	mfbs	PROPN
gujaf-108	200	31	.	.	PUNCT
gujaf-108	201	1	reported	report	VERB
gujaf-108	201	2	pseudo	pseudo	NOUN
gujaf-108	201	3	r	r	NOUN
gujaf-108	201	4	-	-	PUNCT
gujaf-108	201	5	squared	square	VERB
gujaf-108	201	6	of	of	ADP
gujaf-108	201	7	0.4958	0.4958	NUM
gujaf-108	201	8	also	also	ADV
gujaf-108	201	9	shows	show	VERB
gujaf-108	201	10	that	that	SCONJ
gujaf-108	201	11	the	the	DET
gujaf-108	201	12	independent	independent	ADJ
gujaf-108	201	13	variables	variable	NOUN
gujaf-108	201	14	(	(	PUNCT
gujaf-108	201	15	lending	lending	NOUN
gujaf-108	201	16	policies	policy	NOUN
gujaf-108	201	17	)	)	PUNCT
gujaf-108	201	18	explain	explain	VERB
gujaf-108	201	19	the	the	DET
gujaf-108	201	20	dependent	dependent	ADJ
gujaf-108	201	21	variables	variable	NOUN
gujaf-108	201	22	to	to	ADP
gujaf-108	201	23	a	a	DET
gujaf-108	201	24	fairly	fairly	ADV
gujaf-108	201	25	large	large	ADJ
gujaf-108	201	26	extent	extent	NOUN
gujaf-108	201	27	.	.	PUNCT
gujaf-108	202	1	the	the	DET
gujaf-108	202	2	wald	wald	PROPN
gujaf-108	202	3	test	test	NOUN
gujaf-108	202	4	of	of	ADP
gujaf-108	202	5	joint	joint	ADJ
gujaf-108	202	6	significance	significance	NOUN
gujaf-108	202	7	for	for	ADP
gujaf-108	202	8	all	all	DET
gujaf-108	202	9	the	the	DET
gujaf-108	202	10	two	two	NUM
gujaf-108	202	11	lending	lending	NOUN
gujaf-108	202	12	policies	policy	NOUN
gujaf-108	202	13	shows	show	VERB
gujaf-108	202	14	value	value	NOUN
gujaf-108	202	15	of	of	ADP
gujaf-108	202	16	8.15	8.15	NUM
gujaf-108	202	17	which	which	PRON
gujaf-108	202	18	is	be	AUX
gujaf-108	202	19	statistically	statistically	ADV
gujaf-108	202	20	significant	significant	ADJ
gujaf-108	202	21	at	at	ADP
gujaf-108	202	22	0.01	0.01	NUM
gujaf-108	202	23	.	.	PUNCT
gujaf-108	203	1	therefore	therefore	ADV
gujaf-108	203	2	,	,	PUNCT
gujaf-108	203	3	all	all	DET
gujaf-108	203	4	lending	lending	NOUN
gujaf-108	203	5	policies	policy	NOUN
gujaf-108	203	6	(	(	PUNCT
gujaf-108	203	7	credit	credit	NOUN
gujaf-108	203	8	appraisal	appraisal	NOUN
gujaf-108	203	9	policy	policy	NOUN
gujaf-108	203	10	and	and	CCONJ
gujaf-108	203	11	collection	collection	NOUN
gujaf-108	203	12	policy	policy	NOUN
gujaf-108	203	13	)	)	PUNCT
gujaf-108	203	14	are	be	AUX
gujaf-108	203	15	jointly	jointly	ADV
gujaf-108	203	16	significant	significant	ADJ
gujaf-108	203	17	in	in	ADP
gujaf-108	203	18	influencing	influence	VERB
gujaf-108	203	19	loan	loan	NOUN
gujaf-108	203	20	performance	performance	NOUN
gujaf-108	203	21	.	.	PUNCT
gujaf-108	204	1	on	on	ADP
gujaf-108	204	2	the	the	DET
gujaf-108	204	3	one	one	NUM
gujaf-108	204	4	hand	hand	NOUN
gujaf-108	204	5	,	,	PUNCT
gujaf-108	204	6	from	from	ADP
gujaf-108	204	7	the	the	DET
gujaf-108	204	8	estimation	estimation	NOUN
gujaf-108	204	9	results	result	NOUN
gujaf-108	204	10	of	of	ADP
gujaf-108	204	11	the	the	DET
gujaf-108	204	12	ordered	order	VERB
gujaf-108	204	13	logit	logit	PROPN
gujaf-108	204	14	regression	regression	NOUN
gujaf-108	204	15	of	of	ADP
gujaf-108	204	16	the	the	DET
gujaf-108	204	17	model	model	NOUN
gujaf-108	204	18	in	in	ADP
gujaf-108	204	19	table	table	NOUN
gujaf-108	204	20	6	6	NUM
gujaf-108	204	21	,	,	PUNCT
gujaf-108	204	22	loan	loan	NOUN
gujaf-108	204	23	collection	collection	NOUN
gujaf-108	204	24	policy	policy	NOUN
gujaf-108	204	25	is	be	AUX
gujaf-108	204	26	statistically	statistically	ADV
gujaf-108	204	27	significant	significant	ADJ
gujaf-108	204	28	lending	lending	NOUN
gujaf-108	204	29	policy	policy	NOUN
gujaf-108	204	30	affecting	affect	VERB
gujaf-108	204	31	the	the	DET
gujaf-108	204	32	probability	probability	NOUN
gujaf-108	204	33	of	of	ADP
gujaf-108	204	34	loan	loan	NOUN
gujaf-108	204	35	performance	performance	NOUN
gujaf-108	204	36	of	of	ADP
gujaf-108	204	37	mfbs	mfbs	NOUN
gujaf-108	204	38	as	as	ADP
gujaf-108	204	39	evident	evident	ADJ
gujaf-108	204	40	from	from	ADP
gujaf-108	204	41	each	each	PRON
gujaf-108	204	42	of	of	ADP
gujaf-108	204	43	their	their	PRON
gujaf-108	204	44	low	low	ADJ
gujaf-108	204	45	probability	probability	NOUN
gujaf-108	204	46	values	value	NOUN
gujaf-108	204	47	.	.	PUNCT
gujaf-108	205	1	on	on	ADP
gujaf-108	205	2	the	the	DET
gujaf-108	205	3	other	other	ADJ
gujaf-108	205	4	hand	hand	NOUN
gujaf-108	205	5	,	,	PUNCT
gujaf-108	205	6	credit	credit	NOUN
gujaf-108	205	7	appraisal	appraisal	NOUN
gujaf-108	205	8	policy	policy	NOUN
gujaf-108	205	9	is	be	AUX
gujaf-108	205	10	statistically	statistically	ADV
gujaf-108	205	11	insignificant	insignificant	ADJ
gujaf-108	205	12	policy	policy	NOUN
gujaf-108	205	13	affecting	affect	VERB
gujaf-108	205	14	the	the	DET
gujaf-108	205	15	probability	probability	NOUN
gujaf-108	205	16	of	of	ADP
gujaf-108	205	17	loan	loan	NOUN
gujaf-108	205	18	performance	performance	NOUN
gujaf-108	205	19	of	of	ADP
gujaf-108	205	20	mfbs	mfbs	NOUN
gujaf-108	205	21	(	(	PUNCT
gujaf-108	205	22	with	with	ADP
gujaf-108	205	23	higher	high	ADJ
gujaf-108	205	24	probability	probability	NOUN
gujaf-108	205	25	values	value	NOUN
gujaf-108	205	26	than	than	ADP
gujaf-108	205	27	conventional	conventional	ADJ
gujaf-108	205	28	significance	significance	NOUN
gujaf-108	205	29	level	level	NOUN
gujaf-108	205	30	)	)	PUNCT
gujaf-108	205	31	.	.	PUNCT
gujaf-108	206	1	more	more	ADV
gujaf-108	206	2	specifically	specifically	ADV
gujaf-108	206	3	,	,	PUNCT
gujaf-108	206	4	the	the	DET
gujaf-108	206	5	mfbs‟	mfbs‟	NUM
gujaf-108	206	6	collection	collection	NOUN
gujaf-108	206	7	policy	policy	NOUN
gujaf-108	206	8	has	have	AUX
gujaf-108	206	9	increased	increase	VERB
gujaf-108	206	10	probability	probability	NOUN
gujaf-108	206	11	of	of	ADP
gujaf-108	206	12	having	have	VERB
gujaf-108	206	13	a	a	DET
gujaf-108	206	14	loan	loan	NOUN
gujaf-108	206	15	performing	perform	VERB
gujaf-108	206	16	.	.	PUNCT
gujaf-108	207	1	table	table	NOUN
gujaf-108	207	2	7	7	NUM
gujaf-108	207	3	:	:	PUNCT
gujaf-108	207	4	average	average	ADJ
gujaf-108	207	5	partial	partial	ADJ
gujaf-108	207	6	effects	effect	NOUN
gujaf-108	207	7	after	after	ADP
gujaf-108	207	8	ordered	order	VERB
gujaf-108	207	9	logit	logit	PROPN
gujaf-108	207	10	regression	regression	NOUN
gujaf-108	207	11	of	of	ADP
gujaf-108	207	12	lending	lending	NOUN
gujaf-108	207	13	policies	policy	NOUN
gujaf-108	207	14	effects	effect	NOUN
gujaf-108	207	15	on	on	ADP
gujaf-108	207	16	loan	loan	NOUN
gujaf-108	207	17	performance	performance	NOUN
gujaf-108	207	18	loss	loss	NOUN
gujaf-108	207	19	doubtful	doubtful	ADJ
gujaf-108	207	20	substandard	substandard	ADJ
gujaf-108	207	21	pass	pass	NOUN
gujaf-108	207	22	and	and	CCONJ
gujaf-108	207	23	watch	watch	VERB
gujaf-108	207	24	performing	perform	VERB
gujaf-108	207	25	variables	variable	NOUN
gujaf-108	207	26	coef	coef	PROPN
gujaf-108	207	27	p	p	PROPN
gujaf-108	207	28	-	-	PUNCT
gujaf-108	207	29	val	val	NOUN
gujaf-108	207	30	coef	coef	PROPN
gujaf-108	207	31	p	p	PROPN
gujaf-108	207	32	-	-	PUNCT
gujaf-108	207	33	val	val	NOUN
gujaf-108	207	34	coef	coef	PROPN
gujaf-108	207	35	p	p	PROPN
gujaf-108	207	36	-	-	PUNCT
gujaf-108	207	37	val	val	NOUN
gujaf-108	207	38	coef	coef	PROPN
gujaf-108	207	39	p	p	PROPN
gujaf-108	207	40	-	-	PUNCT
gujaf-108	207	41	val	val	NOUN
gujaf-108	207	42	coef	coef	PROPN
gujaf-108	207	43	p	p	PROPN
gujaf-108	207	44	-	-	PUNCT
gujaf-108	207	45	val	val	NOUN
gujaf-108	207	46	crpp	crpp	NOUN
gujaf-108	207	47	-0.004	-0.004	PUNCT
gujaf-108	207	48	0.578	0.578	NUM
gujaf-108	207	49	-0.0006	-0.0006	NOUN
gujaf-108	207	50	0.555	0.555	NUM
gujaf-108	207	51	0.0009	0.0009	NUM
gujaf-108	207	52	0.572	0.572	NUM
gujaf-108	207	53	0.002	0.002	NUM
gujaf-108	207	54	0.795	0.795	NUM
gujaf-108	207	55	0.026	0.026	NUM
gujaf-108	207	56	0.132	0.132	NUM
gujaf-108	207	57	(	(	PUNCT
gujaf-108	207	58	0.008	0.008	NUM
gujaf-108	207	59	)	)	PUNCT
gujaf-108	207	60	(	(	PUNCT
gujaf-108	207	61	0.001	0.001	NUM
gujaf-108	207	62	)	)	PUNCT
gujaf-108	207	63	(	(	PUNCT
gujaf-108	207	64	0.003	0.003	NUM
gujaf-108	207	65	)	)	PUNCT
gujaf-108	207	66	(	(	PUNCT
gujaf-108	207	67	0.03	0.03	NUM
gujaf-108	207	68	)	)	PUNCT
gujaf-108	207	69	(	(	PUNCT
gujaf-108	207	70	0.009	0.009	NUM
gujaf-108	207	71	)	)	PUNCT
gujaf-108	207	72	cpy	cpy	PROPN
gujaf-108	207	73	-0.098	-0.098	PROPN
gujaf-108	208	1	*	*	PUNCT
gujaf-108	208	2	*	*	PUNCT
gujaf-108	208	3	0.038	0.038	NUM
gujaf-108	208	4	-0.043	-0.043	NOUN
gujaf-108	208	5	*	*	NOUN
gujaf-108	208	6	0.075	0.075	NUM
gujaf-108	208	7	0.032	0.032	NUM
gujaf-108	208	8	*	*	PUNCT
gujaf-108	208	9	*	*	PUNCT
gujaf-108	208	10	0.001	0.001	NUM
gujaf-108	208	11	0.132	0.132	NUM
gujaf-108	208	12	*	*	NOUN
gujaf-108	208	13	0.067	0.067	NUM
gujaf-108	208	14	0.034	0.034	NUM
gujaf-108	208	15	*	*	PUNCT
gujaf-108	208	16	*	*	PUNCT
gujaf-108	208	17	*	*	PUNCT
gujaf-108	208	18	0.003	0.003	NUM
gujaf-108	208	19	(	(	PUNCT
gujaf-108	208	20	0.028	0.028	NUM
gujaf-108	208	21	)	)	PUNCT
gujaf-108	208	22	(	(	PUNCT
gujaf-108	208	23	0.022	0.022	NUM
gujaf-108	208	24	)	)	PUNCT
gujaf-108	208	25	(	(	PUNCT
gujaf-108	208	26	0.007	0.007	NUM
gujaf-108	208	27	)	)	PUNCT
gujaf-108	208	28	(	(	PUNCT
gujaf-108	208	29	0.074	0.074	NUM
gujaf-108	208	30	)	)	PUNCT
gujaf-108	208	31	(	(	PUNCT
gujaf-108	208	32	0.006	0.006	NUM
gujaf-108	208	33	)	)	PUNCT
gujaf-108	208	34	jackknife	jackknife	NOUN
gujaf-108	208	35	robust	robust	ADJ
gujaf-108	208	36	standard	standard	ADJ
gujaf-108	208	37	errors	error	NOUN
gujaf-108	208	38	in	in	ADP
gujaf-108	208	39	parentheses	parenthesis	NOUN
gujaf-108	208	40	*	*	PUNCT
gujaf-108	208	41	*	*	PUNCT
gujaf-108	208	42	*	*	PUNCT
gujaf-108	208	43	p<0.01	p<0.01	PROPN
gujaf-108	208	44	,	,	PUNCT
gujaf-108	208	45	*	*	PUNCT
gujaf-108	208	46	*	*	PUNCT
gujaf-108	208	47	p<0.05	p<0.05	NOUN
gujaf-108	208	48	,	,	PUNCT
gujaf-108	208	49	*	*	SYM
gujaf-108	208	50	p<0.1	p<0.1	NUM
gujaf-108	208	51	source	source	NOUN
gujaf-108	208	52	:	:	PUNCT
gujaf-108	208	53	author	author	NOUN
gujaf-108	208	54	’s	’s	PART
gujaf-108	208	55	computations	computation	NOUN
gujaf-108	208	56	,	,	PUNCT
gujaf-108	208	57	2022	2022	NUM
gujaf-108	208	58	average	average	ADJ
gujaf-108	208	59	partial	partial	ADJ
gujaf-108	208	60	effect	effect	NOUN
gujaf-108	208	61	,	,	PUNCT
gujaf-108	208	62	after	after	SCONJ
gujaf-108	208	63	ordered	order	VERB
gujaf-108	208	64	logit	logit	NOUN
gujaf-108	208	65	results	result	NOUN
gujaf-108	208	66	,	,	PUNCT
gujaf-108	208	67	in	in	ADP
gujaf-108	208	68	table	table	NOUN
gujaf-108	208	69	7	7	NUM
gujaf-108	208	70	shows	show	VERB
gujaf-108	208	71	how	how	SCONJ
gujaf-108	208	72	each	each	PRON
gujaf-108	208	73	of	of	ADP
gujaf-108	208	74	these	these	DET
gujaf-108	208	75	factors	factor	NOUN
gujaf-108	208	76	affects	affect	VERB
gujaf-108	208	77	the	the	DET
gujaf-108	208	78	likelihood	likelihood	NOUN
gujaf-108	208	79	of	of	ADP
gujaf-108	208	80	each	each	PRON
gujaf-108	208	81	of	of	ADP
gujaf-108	208	82	the	the	DET
gujaf-108	208	83	loan	loan	NOUN
gujaf-108	208	84	performance	performance	NOUN
gujaf-108	208	85	status	status	NOUN
gujaf-108	208	86	.	.	PUNCT
gujaf-108	209	1	from	from	ADP
gujaf-108	209	2	the	the	DET
gujaf-108	209	3	loan	loan	NOUN
gujaf-108	209	4	performance	performance	NOUN
gujaf-108	209	5	model	model	NOUN
gujaf-108	209	6	,	,	PUNCT
gujaf-108	209	7	the	the	DET
gujaf-108	209	8	mfbs‟	mfbs‟	PROPN
gujaf-108	209	9	loan	loan	NOUN
gujaf-108	209	10	collection	collection	NOUN
gujaf-108	209	11	policy	policy	NOUN
gujaf-108	209	12	significantly	significantly	ADV
gujaf-108	209	13	reduces	reduce	VERB
gujaf-108	209	14	the	the	DET
gujaf-108	209	15	likelihood	likelihood	NOUN
gujaf-108	209	16	of	of	ADP
gujaf-108	209	17	recording	record	VERB
gujaf-108	209	18	a	a	DET
gujaf-108	209	19	loss	loss	NOUN
gujaf-108	209	20	loan	loan	NOUN
gujaf-108	209	21	this	this	PRON
gujaf-108	209	22	indicates	indicate	VERB
gujaf-108	209	23	that	that	SCONJ
gujaf-108	209	24	mfbs‟	mfbs‟	CCONJ
gujaf-108	209	25	collection	collection	NOUN
gujaf-108	209	26	policy	policy	NOUN
gujaf-108	209	27	have	have	VERB
gujaf-108	209	28	lower	low	ADJ
gujaf-108	209	29	possibility	possibility	NOUN
gujaf-108	209	30	of	of	ADP
gujaf-108	209	31	loan	loan	NOUN
gujaf-108	209	32	being	be	AUX
gujaf-108	209	33	loss	loss	NOUN
gujaf-108	209	34	by	by	ADP
gujaf-108	209	35	0.098	0.098	NUM
gujaf-108	209	36	probabilities	probability	NOUN
gujaf-108	209	37	.	.	PUNCT
gujaf-108	210	1	for	for	ADP
gujaf-108	210	2	doubtful	doubtful	ADJ
gujaf-108	210	3	loan	loan	NOUN
gujaf-108	210	4	status	status	NOUN
gujaf-108	210	5	,	,	PUNCT
gujaf-108	210	6	collection	collection	NOUN
gujaf-108	210	7	policy	policy	NOUN
gujaf-108	210	8	significantly	significantly	ADV
gujaf-108	210	9	reduce	reduce	VERB
gujaf-108	210	10	the	the	DET
gujaf-108	210	11	likelihood	likelihood	NOUN
gujaf-108	210	12	of	of	ADP
gujaf-108	210	13	microfinance	microfinance	NOUN
gujaf-108	210	14	bank	bank	PROPN
gujaf-108	210	15	loan	loan	NOUN
gujaf-108	210	16	having	have	VERB
gujaf-108	210	17	doubtful	doubtful	ADJ
gujaf-108	210	18	status	status	NOUN
gujaf-108	210	19	.	.	PUNCT
gujaf-108	211	1	this	this	PRON
gujaf-108	211	2	indicates	indicate	VERB
gujaf-108	211	3	that	that	SCONJ
gujaf-108	211	4	collection	collection	NOUN
gujaf-108	211	5	policy	policy	NOUN
gujaf-108	211	6	has	have	VERB
gujaf-108	211	7	possibility	possibility	NOUN
gujaf-108	211	8	of	of	ADP
gujaf-108	211	9	reducing	reduce	VERB
gujaf-108	211	10	the	the	DET
gujaf-108	211	11	doubtful	doubtful	ADJ
gujaf-108	211	12	loans	loan	NOUN
gujaf-108	211	13	by	by	ADP
gujaf-108	211	14	0.043	0.043	NUM
gujaf-108	211	15	probabilities	probability	NOUN
gujaf-108	211	16	.	.	PUNCT
gujaf-108	212	1	for	for	ADP
gujaf-108	212	2	substandard	substandard	ADJ
gujaf-108	212	3	loan	loan	NOUN
gujaf-108	212	4	status	status	NOUN
gujaf-108	212	5	,	,	PUNCT
gujaf-108	212	6	the	the	DET
gujaf-108	212	7	average	average	ADJ
gujaf-108	212	8	partial	partial	ADJ
gujaf-108	212	9	effect	effect	NOUN
gujaf-108	212	10	shows	show	VERB
gujaf-108	212	11	that	that	SCONJ
gujaf-108	212	12	collection	collection	NOUN
gujaf-108	212	13	policy	policy	NOUN
gujaf-108	212	14	significantly	significantly	ADV
gujaf-108	212	15	increases	increase	VERB
gujaf-108	212	16	the	the	DET
gujaf-108	212	17	likelihood	likelihood	NOUN
gujaf-108	212	18	of	of	ADP
gujaf-108	212	19	recording	record	VERB
gujaf-108	212	20	a	a	DET
gujaf-108	212	21	substandard	substandard	ADJ
gujaf-108	212	22	loan	loan	NOUN
gujaf-108	212	23	.	.	PUNCT
gujaf-108	213	1	this	this	PRON
gujaf-108	213	2	indicates	indicate	VERB
gujaf-108	213	3	that	that	SCONJ
gujaf-108	213	4	mfbs‟	mfbs‟	PROPN
gujaf-108	213	5	loan	loan	NOUN
gujaf-108	213	6	collection	collection	NOUN
gujaf-108	213	7	policy	policy	NOUN
gujaf-108	213	8	has	have	VERB
gujaf-108	213	9	higher	high	ADJ
gujaf-108	213	10	possibility	possibility	NOUN
gujaf-108	213	11	of	of	ADP
gujaf-108	213	12	loan	loan	NOUN
gujaf-108	213	13	being	be	AUX
gujaf-108	213	14	substandard	substandard	ADJ
gujaf-108	213	15	by	by	ADP
gujaf-108	213	16	0.032	0.032	NUM
gujaf-108	213	17	probabilities	probability	NOUN
gujaf-108	213	18	.	.	PUNCT
gujaf-108	214	1	regarding	regard	VERB
gujaf-108	214	2	the	the	DET
gujaf-108	214	3	pass	pass	NOUN
gujaf-108	214	4	and	and	CCONJ
gujaf-108	214	5	watch	watch	VERB
gujaf-108	214	6	loan	loan	NOUN
gujaf-108	214	7	status	status	NOUN
gujaf-108	214	8	which	which	PRON
gujaf-108	214	9	is	be	AUX
gujaf-108	214	10	very	very	ADV
gujaf-108	214	11	close	close	ADJ
gujaf-108	214	12	to	to	ADP
gujaf-108	214	13	performing	perform	VERB
gujaf-108	214	14	,	,	PUNCT
gujaf-108	214	15	table	table	NOUN
gujaf-108	214	16	7	7	NUM
gujaf-108	214	17	reveals	reveal	VERB
gujaf-108	214	18	that	that	SCONJ
gujaf-108	214	19	collection	collection	NOUN
gujaf-108	214	20	policy	policy	NOUN
gujaf-108	214	21	significantly	significantly	ADV
gujaf-108	214	22	increases	increase	VERB
gujaf-108	214	23	the	the	DET
gujaf-108	214	24	likelihood	likelihood	NOUN
gujaf-108	214	25	of	of	ADP
gujaf-108	214	26	microfinance	microfinance	NOUN
gujaf-108	214	27	bank	bank	PROPN
gujaf-108	214	28	loan	loan	NOUN
gujaf-108	214	29	being	be	AUX
gujaf-108	214	30	10	10	NUM
gujaf-108	214	31	pass	pass	NOUN
gujaf-108	214	32	and	and	CCONJ
gujaf-108	214	33	watch	watch	VERB
gujaf-108	214	34	status	status	NOUN
gujaf-108	214	35	.	.	PUNCT
gujaf-108	215	1	this	this	PRON
gujaf-108	215	2	indicates	indicate	VERB
gujaf-108	215	3	that	that	SCONJ
gujaf-108	215	4	mfbs‟	mfbs‟	CCONJ
gujaf-108	215	5	collection	collection	NOUN
gujaf-108	215	6	policy	policy	NOUN
gujaf-108	215	7	increases	increase	VERB
gujaf-108	215	8	the	the	DET
gujaf-108	215	9	possibility	possibility	NOUN
gujaf-108	215	10	of	of	ADP
gujaf-108	215	11	loan	loan	NOUN
gujaf-108	215	12	being	be	AUX
gujaf-108	215	13	pass	pass	VERB
gujaf-108	215	14	and	and	CCONJ
gujaf-108	215	15	watch	watch	VERB
gujaf-108	215	16	by	by	ADP
gujaf-108	215	17	0.132	0.132	NUM
gujaf-108	215	18	probabilities	probability	NOUN
gujaf-108	215	19	.	.	PUNCT
gujaf-108	216	1	for	for	ADP
gujaf-108	216	2	the	the	DET
gujaf-108	216	3	performing	perform	VERB
gujaf-108	216	4	loans	loan	NOUN
gujaf-108	216	5	status	status	NOUN
gujaf-108	216	6	,	,	PUNCT
gujaf-108	216	7	loan	loan	NOUN
gujaf-108	216	8	collection	collection	NOUN
gujaf-108	216	9	policy	policy	NOUN
gujaf-108	216	10	is	be	AUX
gujaf-108	216	11	an	an	DET
gujaf-108	216	12	important	important	ADJ
gujaf-108	216	13	factor	factor	NOUN
gujaf-108	216	14	that	that	PRON
gujaf-108	216	15	influences	influence	VERB
gujaf-108	216	16	the	the	DET
gujaf-108	216	17	likelihood	likelihood	NOUN
gujaf-108	216	18	of	of	ADP
gujaf-108	216	19	bank	bank	NOUN
gujaf-108	216	20	loans	loan	NOUN
gujaf-108	216	21	performing	perform	VERB
gujaf-108	216	22	.	.	PUNCT
gujaf-108	217	1	this	this	PRON
gujaf-108	217	2	indicates	indicate	VERB
gujaf-108	217	3	that	that	SCONJ
gujaf-108	217	4	mfbs‟	mfbs‟	VERB
gujaf-108	217	5	loan	loan	NOUN
gujaf-108	217	6	collection	collection	NOUN
gujaf-108	217	7	policy	policy	NOUN
gujaf-108	217	8	increases	increase	VERB
gujaf-108	217	9	the	the	DET
gujaf-108	217	10	possibility	possibility	NOUN
gujaf-108	217	11	of	of	ADP
gujaf-108	217	12	loan	loan	NOUN
gujaf-108	217	13	being	be	AUX
gujaf-108	217	14	performing	perform	VERB
gujaf-108	217	15	by	by	ADP
gujaf-108	217	16	0.034	0.034	NUM
gujaf-108	217	17	probabilities	probability	NOUN
gujaf-108	217	18	.	.	PUNCT
gujaf-108	218	1	summary	summary	NOUN
gujaf-108	218	2	of	of	ADP
gujaf-108	218	3	hypothesis	hypothesis	NOUN
gujaf-108	218	4	testing	testing	NOUN
gujaf-108	218	5	table	table	NOUN
gujaf-108	218	6	8	8	NUM
gujaf-108	218	7	below	below	ADV
gujaf-108	218	8	depicts	depict	VERB
gujaf-108	218	9	the	the	DET
gujaf-108	218	10	summary	summary	NOUN
gujaf-108	218	11	of	of	ADP
gujaf-108	218	12	the	the	DET
gujaf-108	218	13	results	result	NOUN
gujaf-108	218	14	of	of	ADP
gujaf-108	218	15	the	the	DET
gujaf-108	218	16	hypotheses	hypothesis	NOUN
gujaf-108	218	17	tested	test	VERB
gujaf-108	218	18	,	,	PUNCT
gujaf-108	218	19	which	which	PRON
gujaf-108	218	20	show	show	VERB
gujaf-108	218	21	the	the	DET
gujaf-108	218	22	rejection	rejection	NOUN
gujaf-108	218	23	or	or	CCONJ
gujaf-108	218	24	otherwise	otherwise	ADV
gujaf-108	218	25	for	for	ADP
gujaf-108	218	26	each	each	PRON
gujaf-108	218	27	of	of	ADP
gujaf-108	218	28	the	the	DET
gujaf-108	218	29	hypotheses	hypothesis	NOUN
gujaf-108	218	30	relating	relate	VERB
gujaf-108	218	31	to	to	ADP
gujaf-108	218	32	lending	lending	NOUN
gujaf-108	218	33	policies	policy	NOUN
gujaf-108	218	34	and	and	CCONJ
gujaf-108	218	35	loan	loan	NOUN
gujaf-108	218	36	performance	performance	NOUN
gujaf-108	218	37	among	among	ADP
gujaf-108	218	38	microfinance	microfinance	NOUN
gujaf-108	218	39	banks	bank	NOUN
gujaf-108	218	40	in	in	ADP
gujaf-108	218	41	kwara	kwara	PROPN
gujaf-108	218	42	state	state	PROPN
gujaf-108	218	43	.	.	PUNCT
gujaf-108	219	1	table	table	NOUN
gujaf-108	219	2	8	8	NUM
gujaf-108	219	3	:	:	PUNCT
gujaf-108	219	4	summary	summary	NOUN
gujaf-108	219	5	of	of	ADP
gujaf-108	219	6	hypothesis	hypothesis	NOUN
gujaf-108	219	7	testing	test	VERB
gujaf-108	219	8	numbering	numbering	NOUN
gujaf-108	219	9	hypotheses	hypothesis	NOUN
gujaf-108	219	10	techniques	technique	NOUN
gujaf-108	219	11	findings	finding	NOUN
gujaf-108	219	12	remarks	remark	VERB
gujaf-108	219	13	ho1	ho1	NOUN
gujaf-108	219	14	credit	credit	NOUN
gujaf-108	219	15	appraisal	appraisal	NOUN
gujaf-108	219	16	policy	policy	NOUN
gujaf-108	219	17	does	do	AUX
gujaf-108	219	18	not	not	PART
gujaf-108	219	19	have	have	VERB
gujaf-108	219	20	significant	significant	ADJ
gujaf-108	219	21	effect	effect	NOUN
gujaf-108	219	22	on	on	ADP
gujaf-108	219	23	the	the	DET
gujaf-108	219	24	loan	loan	NOUN
gujaf-108	219	25	performance	performance	NOUN
gujaf-108	219	26	among	among	ADP
gujaf-108	219	27	deposit	deposit	NOUN
gujaf-108	219	28	taking	taking	NOUN
gujaf-108	219	29	mfbs	mfbs	NOUN
gujaf-108	219	30	in	in	ADP
gujaf-108	219	31	kwara	kwara	PROPN
gujaf-108	219	32	state	state	PROPN
gujaf-108	219	33	.	.	PUNCT
gujaf-108	220	1	ordered	order	VERB
gujaf-108	220	2	logit	logit	PROPN
gujaf-108	220	3	insignificant	insignificant	ADJ
gujaf-108	220	4	p	p	PROPN
gujaf-108	220	5	-	-	PUNCT
gujaf-108	220	6	value=	value=	NOUN
gujaf-108	220	7	0.683	0.683	NUM
gujaf-108	220	8	not	not	PART
gujaf-108	220	9	rejected	reject	VERB
gujaf-108	220	10	ho2	ho2	PROPN
gujaf-108	220	11	collection	collection	NOUN
gujaf-108	220	12	policy	policy	NOUN
gujaf-108	220	13	does	do	AUX
gujaf-108	220	14	not	not	PART
gujaf-108	220	15	have	have	VERB
gujaf-108	220	16	significant	significant	ADJ
gujaf-108	220	17	effect	effect	NOUN
gujaf-108	220	18	on	on	ADP
gujaf-108	220	19	the	the	DET
gujaf-108	220	20	loan	loan	NOUN
gujaf-108	220	21	performance	performance	NOUN
gujaf-108	220	22	among	among	ADP
gujaf-108	220	23	deposit	deposit	NOUN
gujaf-108	220	24	taking	taking	NOUN
gujaf-108	220	25	mfbs	mfbs	NOUN
gujaf-108	220	26	in	in	ADP
gujaf-108	220	27	kwara	kwara	PROPN
gujaf-108	220	28	state	state	PROPN
gujaf-108	220	29	.	.	PUNCT
gujaf-108	221	1	ordered	order	VERB
gujaf-108	221	2	logit	logit	PROPN
gujaf-108	221	3	significant	significant	ADJ
gujaf-108	221	4	(	(	PUNCT
gujaf-108	221	5	+	+	NOUN
gujaf-108	221	6	ve	ve	AUX
gujaf-108	221	7	)	)	PUNCT
gujaf-108	221	8	p	p	PROPN
gujaf-108	221	9	-	-	PUNCT
gujaf-108	221	10	value=	value=	NUM
gujaf-108	221	11	0.034	0.034	NUM
gujaf-108	221	12	rejected	reject	VERB
gujaf-108	221	13	source	source	NOUN
gujaf-108	221	14	:	:	PUNCT
gujaf-108	221	15	author	author	NOUN
gujaf-108	221	16	’s	’s	PART
gujaf-108	221	17	compilation	compilation	NOUN
gujaf-108	221	18	,	,	PUNCT
gujaf-108	221	19	2022	2022	NUM
gujaf-108	221	20	table	table	NOUN
gujaf-108	221	21	8	8	NUM
gujaf-108	221	22	shows	show	VERB
gujaf-108	221	23	that	that	SCONJ
gujaf-108	221	24	the	the	DET
gujaf-108	221	25	results	result	NOUN
gujaf-108	221	26	of	of	ADP
gujaf-108	221	27	the	the	DET
gujaf-108	221	28	study	study	NOUN
gujaf-108	221	29	offer	offer	VERB
gujaf-108	221	30	full	full	ADJ
gujaf-108	221	31	support	support	NOUN
gujaf-108	221	32	for	for	ADP
gujaf-108	221	33	the	the	DET
gujaf-108	221	34	rejection	rejection	NOUN
gujaf-108	221	35	of	of	ADP
gujaf-108	221	36	one	one	NUM
gujaf-108	221	37	out	out	ADP
gujaf-108	221	38	of	of	ADP
gujaf-108	221	39	two	two	NUM
gujaf-108	221	40	study	study	NOUN
gujaf-108	221	41	hypotheses	hypothesis	NOUN
gujaf-108	221	42	.	.	PUNCT
gujaf-108	222	1	the	the	DET
gujaf-108	222	2	rejection	rejection	NOUN
gujaf-108	222	3	of	of	ADP
gujaf-108	222	4	hypothesis	hypothesis	NOUN
gujaf-108	222	5	implies	imply	VERB
gujaf-108	222	6	that	that	SCONJ
gujaf-108	222	7	the	the	DET
gujaf-108	222	8	explanatory	explanatory	ADJ
gujaf-108	222	9	variable	variable	ADJ
gujaf-108	222	10	influence	influence	NOUN
gujaf-108	222	11	the	the	DET
gujaf-108	222	12	probability	probability	NOUN
gujaf-108	222	13	of	of	ADP
gujaf-108	222	14	loan	loan	NOUN
gujaf-108	222	15	performance	performance	NOUN
gujaf-108	222	16	of	of	ADP
gujaf-108	222	17	mfbs	mfbs	NOUN
gujaf-108	222	18	.	.	PUNCT
gujaf-108	223	1	it	it	PRON
gujaf-108	223	2	follows	follow	VERB
gujaf-108	223	3	therefore	therefore	ADV
gujaf-108	223	4	that	that	SCONJ
gujaf-108	223	5	loan	loan	NOUN
gujaf-108	223	6	collection	collection	NOUN
gujaf-108	223	7	policy	policy	NOUN
gujaf-108	223	8	of	of	ADP
gujaf-108	223	9	mfbs	mfbs	PROPN
gujaf-108	223	10	influences	influence	VERB
gujaf-108	223	11	their	their	PRON
gujaf-108	223	12	loan	loan	NOUN
gujaf-108	223	13	performance	performance	NOUN
gujaf-108	223	14	at	at	ADP
gujaf-108	223	15	5	5	NUM
gujaf-108	223	16	%	%	NOUN
gujaf-108	223	17	level	level	NOUN
gujaf-108	223	18	of	of	ADP
gujaf-108	223	19	significance	significance	NOUN
gujaf-108	223	20	while	while	SCONJ
gujaf-108	223	21	the	the	DET
gujaf-108	223	22	credit	credit	NOUN
gujaf-108	223	23	appraisal	appraisal	NOUN
gujaf-108	223	24	policy	policy	NOUN
gujaf-108	223	25	does	do	AUX
gujaf-108	223	26	not	not	PART
gujaf-108	223	27	influence	influence	VERB
gujaf-108	223	28	their	their	PRON
gujaf-108	223	29	loan	loan	NOUN
gujaf-108	223	30	performance	performance	NOUN
gujaf-108	223	31	even	even	ADV
gujaf-108	223	32	at	at	ADP
gujaf-108	223	33	10	10	NUM
gujaf-108	223	34	%	%	NOUN
gujaf-108	223	35	level	level	NOUN
gujaf-108	223	36	of	of	ADP
gujaf-108	223	37	significance	significance	NOUN
gujaf-108	223	38	.	.	PUNCT
gujaf-108	224	1	however	however	ADV
gujaf-108	224	2	,	,	PUNCT
gujaf-108	224	3	for	for	ADP
gujaf-108	224	4	all	all	DET
gujaf-108	224	5	the	the	DET
gujaf-108	224	6	lending	lending	NOUN
gujaf-108	224	7	policies	policy	NOUN
gujaf-108	224	8	,	,	PUNCT
gujaf-108	224	9	the	the	DET
gujaf-108	224	10	wald	wald	NOUN
gujaf-108	224	11	test	test	NOUN
gujaf-108	224	12	reveals	reveal	VERB
gujaf-108	224	13	a	a	DET
gujaf-108	224	14	value	value	NOUN
gujaf-108	224	15	of	of	ADP
gujaf-108	224	16	8.15	8.15	NUM
gujaf-108	224	17	with	with	ADP
gujaf-108	224	18	p	p	X
gujaf-108	224	19	<	<	X
gujaf-108	224	20	0.01	0.01	NUM
gujaf-108	224	21	implying	imply	VERB
gujaf-108	224	22	that	that	SCONJ
gujaf-108	224	23	all	all	DET
gujaf-108	224	24	the	the	DET
gujaf-108	224	25	policies	policy	NOUN
gujaf-108	224	26	are	be	AUX
gujaf-108	224	27	jointly	jointly	ADV
gujaf-108	224	28	important	important	ADJ
gujaf-108	224	29	in	in	ADP
gujaf-108	224	30	influencing	influence	VERB
gujaf-108	224	31	the	the	DET
gujaf-108	224	32	loan	loan	NOUN
gujaf-108	224	33	performance	performance	NOUN
gujaf-108	224	34	for	for	ADP
gujaf-108	224	35	the	the	DET
gujaf-108	224	36	mfbs	mfbs	NOUN
gujaf-108	224	37	in	in	ADP
gujaf-108	224	38	the	the	DET
gujaf-108	224	39	study	study	NOUN
gujaf-108	224	40	area	area	NOUN
gujaf-108	224	41	.	.	PUNCT
gujaf-108	225	1	the	the	DET
gujaf-108	225	2	consistency	consistency	NOUN
gujaf-108	225	3	or	or	CCONJ
gujaf-108	225	4	otherwise	otherwise	ADV
gujaf-108	225	5	of	of	ADP
gujaf-108	225	6	these	these	DET
gujaf-108	225	7	findings	finding	NOUN
gujaf-108	225	8	with	with	ADP
gujaf-108	225	9	the	the	DET
gujaf-108	225	10	theories	theory	NOUN
gujaf-108	225	11	and	and	CCONJ
gujaf-108	225	12	previous	previous	ADJ
gujaf-108	225	13	studies	study	NOUN
gujaf-108	225	14	are	be	AUX
gujaf-108	225	15	discussed	discuss	VERB
gujaf-108	225	16	in	in	ADP
gujaf-108	225	17	the	the	DET
gujaf-108	225	18	subsequent	subsequent	ADJ
gujaf-108	225	19	section	section	NOUN
gujaf-108	225	20	in	in	ADP
gujaf-108	225	21	the	the	DET
gujaf-108	225	22	study	study	NOUN
gujaf-108	225	23	.	.	PUNCT
gujaf-108	226	1	discussion	discussion	NOUN
gujaf-108	226	2	of	of	ADP
gujaf-108	226	3	findings	finding	NOUN
gujaf-108	226	4	this	this	DET
gujaf-108	226	5	section	section	NOUN
gujaf-108	226	6	is	be	AUX
gujaf-108	226	7	devoted	devote	VERB
gujaf-108	226	8	to	to	ADP
gujaf-108	226	9	discussing	discuss	VERB
gujaf-108	226	10	the	the	DET
gujaf-108	226	11	findings	finding	NOUN
gujaf-108	226	12	that	that	PRON
gujaf-108	226	13	emerged	emerge	VERB
gujaf-108	226	14	from	from	ADP
gujaf-108	226	15	the	the	DET
gujaf-108	226	16	results	result	NOUN
gujaf-108	226	17	of	of	ADP
gujaf-108	226	18	this	this	DET
gujaf-108	226	19	study	study	NOUN
gujaf-108	226	20	,	,	PUNCT
gujaf-108	226	21	particularly	particularly	ADV
gujaf-108	226	22	,	,	PUNCT
gujaf-108	226	23	those	those	PRON
gujaf-108	226	24	from	from	ADP
gujaf-108	226	25	the	the	DET
gujaf-108	226	26	results	result	NOUN
gujaf-108	226	27	used	use	VERB
gujaf-108	226	28	to	to	PART
gujaf-108	226	29	verify	verify	VERB
gujaf-108	226	30	the	the	DET
gujaf-108	226	31	hypotheses	hypothesis	NOUN
gujaf-108	226	32	of	of	ADP
gujaf-108	226	33	this	this	DET
gujaf-108	226	34	study	study	NOUN
gujaf-108	226	35	.	.	PUNCT
gujaf-108	227	1	as	as	SCONJ
gujaf-108	227	2	revealed	reveal	VERB
gujaf-108	227	3	in	in	ADP
gujaf-108	227	4	the	the	DET
gujaf-108	227	5	results	result	NOUN
gujaf-108	227	6	that	that	SCONJ
gujaf-108	227	7	the	the	DET
gujaf-108	227	8	first	first	ADJ
gujaf-108	227	9	hypothesis	hypothesis	NOUN
gujaf-108	227	10	,	,	PUNCT
gujaf-108	227	11	which	which	PRON
gujaf-108	227	12	states	state	VERB
gujaf-108	227	13	that	that	SCONJ
gujaf-108	227	14	credit	credit	NOUN
gujaf-108	227	15	appraisal	appraisal	NOUN
gujaf-108	227	16	policy	policy	NOUN
gujaf-108	227	17	does	do	AUX
gujaf-108	227	18	not	not	PART
gujaf-108	227	19	affect	affect	VERB
gujaf-108	227	20	loan	loan	NOUN
gujaf-108	227	21	performance	performance	NOUN
gujaf-108	227	22	of	of	ADP
gujaf-108	227	23	mfbs	mfbs	NOUN
gujaf-108	227	24	in	in	ADP
gujaf-108	227	25	kwara	kwara	PROPN
gujaf-108	227	26	state	state	PROPN
gujaf-108	227	27	,	,	PUNCT
gujaf-108	227	28	is	be	AUX
gujaf-108	227	29	not	not	PART
gujaf-108	227	30	rejected	reject	VERB
gujaf-108	227	31	,	,	PUNCT
gujaf-108	227	32	the	the	DET
gujaf-108	227	33	findings	finding	NOUN
gujaf-108	227	34	of	of	ADP
gujaf-108	227	35	this	this	DET
gujaf-108	227	36	study	study	NOUN
gujaf-108	227	37	in	in	ADP
gujaf-108	227	38	this	this	DET
gujaf-108	227	39	situation	situation	NOUN
gujaf-108	227	40	imply	imply	VERB
gujaf-108	227	41	that	that	SCONJ
gujaf-108	227	42	credit	credit	NOUN
gujaf-108	227	43	appraisal	appraisal	NOUN
gujaf-108	227	44	policy	policy	NOUN
gujaf-108	227	45	has	have	AUX
gujaf-108	227	46	not	not	PART
gujaf-108	227	47	been	be	AUX
gujaf-108	227	48	effective	effective	ADJ
gujaf-108	227	49	in	in	ADP
gujaf-108	227	50	determining	determine	VERB
gujaf-108	227	51	the	the	DET
gujaf-108	227	52	performance	performance	NOUN
gujaf-108	227	53	of	of	ADP
gujaf-108	227	54	loans	loan	NOUN
gujaf-108	227	55	granted	grant	VERB
gujaf-108	227	56	by	by	ADP
gujaf-108	227	57	mfbs	mfbs	PROPN
gujaf-108	227	58	in	in	ADP
gujaf-108	227	59	kwara	kwara	PROPN
gujaf-108	227	60	state	state	PROPN
gujaf-108	227	61	.	.	PUNCT
gujaf-108	228	1	this	this	DET
gujaf-108	228	2	finding	finding	NOUN
gujaf-108	228	3	does	do	AUX
gujaf-108	228	4	not	not	PART
gujaf-108	228	5	conform	conform	VERB
gujaf-108	228	6	to	to	ADP
gujaf-108	228	7	the	the	DET
gujaf-108	228	8	stated	state	VERB
gujaf-108	228	9	a	a	DET
gujaf-108	228	10	priori	priori	ADJ
gujaf-108	228	11	expectation	expectation	NOUN
gujaf-108	228	12	of	of	ADP
gujaf-108	228	13	this	this	DET
gujaf-108	228	14	study	study	NOUN
gujaf-108	228	15	,	,	PUNCT
gujaf-108	228	16	which	which	PRON
gujaf-108	228	17	was	be	AUX
gujaf-108	228	18	postulated	postulate	VERB
gujaf-108	228	19	that	that	SCONJ
gujaf-108	228	20	credit	credit	NOUN
gujaf-108	228	21	appraisal	appraisal	NOUN
gujaf-108	228	22	policy	policy	NOUN
gujaf-108	228	23	will	will	AUX
gujaf-108	228	24	increase	increase	VERB
gujaf-108	228	25	the	the	DET
gujaf-108	228	26	loan	loan	NOUN
gujaf-108	228	27	performance	performance	NOUN
gujaf-108	228	28	of	of	ADP
gujaf-108	228	29	these	these	DET
gujaf-108	228	30	microfinance	microfinance	NOUN
gujaf-108	228	31	banks	bank	NOUN
gujaf-108	228	32	.	.	PUNCT
gujaf-108	229	1	furthermore	furthermore	ADV
gujaf-108	229	2	,	,	PUNCT
gujaf-108	229	3	the	the	DET
gujaf-108	229	4	finding	finding	NOUN
gujaf-108	229	5	does	do	AUX
gujaf-108	229	6	not	not	PART
gujaf-108	229	7	conform	conform	VERB
gujaf-108	229	8	to	to	ADP
gujaf-108	229	9	the	the	DET
gujaf-108	229	10	studies	study	NOUN
gujaf-108	229	11	of	of	ADP
gujaf-108	229	12	wondimagegnehu	wondimagegnehu	PROPN
gujaf-108	229	13	(	(	PUNCT
gujaf-108	229	14	2012	2012	NUM
gujaf-108	229	15	)	)	PUNCT
gujaf-108	229	16	,	,	PUNCT
gujaf-108	229	17	addae	addae	NOUN
gujaf-108	229	18	-	-	PUNCT
gujaf-108	229	19	korankye	korankye	NOUN
gujaf-108	229	20	(	(	PUNCT
gujaf-108	229	21	2014	2014	NUM
gujaf-108	229	22	)	)	PUNCT
gujaf-108	229	23	,	,	PUNCT
gujaf-108	229	24	ngeno	ngeno	NOUN
gujaf-108	229	25	(	(	PUNCT
gujaf-108	229	26	2017	2017	NUM
gujaf-108	229	27	)	)	PUNCT
gujaf-108	229	28	,	,	PUNCT
gujaf-108	229	29	namutenda	namutenda	NOUN
gujaf-108	229	30	and	and	CCONJ
gujaf-108	229	31	muturi	muturi	NOUN
gujaf-108	229	32	(	(	PUNCT
gujaf-108	229	33	2017	2017	NUM
gujaf-108	229	34	)	)	PUNCT
gujaf-108	229	35	,	,	PUNCT
gujaf-108	229	36	as	as	SCONJ
gujaf-108	229	37	it	it	PRON
gujaf-108	229	38	was	be	AUX
gujaf-108	229	39	in	in	ADP
gujaf-108	229	40	revealed	reveal	VERB
gujaf-108	229	41	in	in	ADP
gujaf-108	229	42	these	these	DET
gujaf-108	229	43	studies	study	NOUN
gujaf-108	229	44	that	that	SCONJ
gujaf-108	229	45	credit	credit	NOUN
gujaf-108	229	46	appraisal	appraisal	NOUN
gujaf-108	229	47	has	have	VERB
gujaf-108	229	48	effect	effect	NOUN
gujaf-108	229	49	in	in	ADP
gujaf-108	229	50	reducing	reduce	VERB
gujaf-108	229	51	non	non	ADJ
gujaf-108	229	52	-	-	ADJ
gujaf-108	229	53	performing	performing	ADJ
gujaf-108	229	54	loans	loan	NOUN
gujaf-108	229	55	and	and	CCONJ
gujaf-108	229	56	enhancing	enhance	VERB
gujaf-108	229	57	better	well	ADJ
gujaf-108	229	58	performance	performance	NOUN
gujaf-108	229	59	of	of	ADP
gujaf-108	229	60	loans	loan	NOUN
gujaf-108	229	61	given	give	VERB
gujaf-108	229	62	out	out	ADP
gujaf-108	229	63	.	.	PUNCT
gujaf-108	230	1	further	further	ADJ
gujaf-108	230	2	findings	finding	NOUN
gujaf-108	230	3	of	of	ADP
gujaf-108	230	4	this	this	DET
gujaf-108	230	5	study	study	NOUN
gujaf-108	230	6	revealed	reveal	VERB
gujaf-108	230	7	that	that	SCONJ
gujaf-108	230	8	loan	loan	NOUN
gujaf-108	230	9	collection	collection	NOUN
gujaf-108	230	10	policy	policy	NOUN
gujaf-108	230	11	has	have	VERB
gujaf-108	230	12	positive	positive	ADJ
gujaf-108	230	13	impact	impact	NOUN
gujaf-108	230	14	on	on	ADP
gujaf-108	230	15	loan	loan	NOUN
gujaf-108	230	16	performance	performance	NOUN
gujaf-108	230	17	of	of	ADP
gujaf-108	230	18	mfbs	mfbs	NOUN
gujaf-108	230	19	in	in	ADP
gujaf-108	230	20	kwara	kwara	PROPN
gujaf-108	230	21	state	state	PROPN
gujaf-108	230	22	.	.	PUNCT
gujaf-108	231	1	this	this	DET
gujaf-108	231	2	finding	finding	NOUN
gujaf-108	231	3	suggests	suggest	VERB
gujaf-108	231	4	that	that	SCONJ
gujaf-108	231	5	the	the	DET
gujaf-108	231	6	second	second	ADJ
gujaf-108	231	7	hypothesis	hypothesis	NOUN
gujaf-108	231	8	is	be	AUX
gujaf-108	231	9	rejected	reject	VERB
gujaf-108	231	10	and	and	CCONJ
gujaf-108	231	11	consequently	consequently	ADV
gujaf-108	231	12	makes	make	VERB
gujaf-108	231	13	the	the	DET
gujaf-108	231	14	finding	finding	NOUN
gujaf-108	231	15	to	to	PART
gujaf-108	231	16	conform	conform	VERB
gujaf-108	231	17	to	to	ADP
gujaf-108	231	18	the	the	DET
gujaf-108	231	19	a	a	DET
gujaf-108	231	20	priori	priori	ADJ
gujaf-108	231	21	expectation	expectation	NOUN
gujaf-108	231	22	of	of	ADP
gujaf-108	231	23	this	this	DET
gujaf-108	231	24	study	study	NOUN
gujaf-108	231	25	which	which	PRON
gujaf-108	231	26	was	be	AUX
gujaf-108	231	27	postulated	postulate	VERB
gujaf-108	231	28	that	that	SCONJ
gujaf-108	231	29	collection	collection	NOUN
gujaf-108	231	30	policy	policy	NOUN
gujaf-108	231	31	will	will	AUX
gujaf-108	231	32	increase	increase	VERB
gujaf-108	231	33	the	the	DET
gujaf-108	231	34	loan	loan	NOUN
gujaf-108	231	35	performance	performance	NOUN
gujaf-108	231	36	of	of	ADP
gujaf-108	231	37	these	these	DET
gujaf-108	231	38	11	11	NUM
gujaf-108	231	39	mfbs	mfbs	NOUN
gujaf-108	231	40	.	.	PUNCT
gujaf-108	232	1	this	this	DET
gujaf-108	232	2	finding	finding	NOUN
gujaf-108	232	3	is	be	AUX
gujaf-108	232	4	also	also	ADV
gujaf-108	232	5	in	in	ADP
gujaf-108	232	6	line	line	NOUN
gujaf-108	232	7	with	with	ADP
gujaf-108	232	8	the	the	DET
gujaf-108	232	9	findings	finding	NOUN
gujaf-108	232	10	of	of	ADP
gujaf-108	232	11	the	the	DET
gujaf-108	232	12	wondimagegnehu	wondimagegnehu	PROPN
gujaf-108	232	13	(	(	PUNCT
gujaf-108	232	14	2012	2012	NUM
gujaf-108	232	15	)	)	PUNCT
gujaf-108	232	16	and	and	CCONJ
gujaf-108	232	17	namutenda	namutenda	NOUN
gujaf-108	232	18	and	and	CCONJ
gujaf-108	232	19	muturi	muturi	NOUN
gujaf-108	232	20	(	(	PUNCT
gujaf-108	232	21	2017	2017	NUM
gujaf-108	232	22	)	)	PUNCT
gujaf-108	232	23	.	.	PUNCT
gujaf-108	233	1	this	this	DET
gujaf-108	233	2	finding	finding	NOUN
gujaf-108	233	3	implies	imply	VERB
gujaf-108	233	4	that	that	SCONJ
gujaf-108	233	5	effective	effective	ADJ
gujaf-108	233	6	collection	collection	NOUN
gujaf-108	233	7	policy	policy	NOUN
gujaf-108	233	8	put	put	VERB
gujaf-108	233	9	in	in	ADP
gujaf-108	233	10	place	place	NOUN
gujaf-108	233	11	by	by	ADP
gujaf-108	233	12	these	these	DET
gujaf-108	233	13	mfbs	mfbs	NOUN
gujaf-108	233	14	have	have	AUX
gujaf-108	233	15	been	be	AUX
gujaf-108	233	16	able	able	ADJ
gujaf-108	233	17	to	to	PART
gujaf-108	233	18	enhance	enhance	VERB
gujaf-108	233	19	the	the	DET
gujaf-108	233	20	retrieval	retrieval	NOUN
gujaf-108	233	21	of	of	ADP
gujaf-108	233	22	granted	grant	VERB
gujaf-108	233	23	loans	loan	NOUN
gujaf-108	233	24	as	as	ADP
gujaf-108	233	25	at	at	ADP
gujaf-108	233	26	the	the	DET
gujaf-108	233	27	due	due	ADJ
gujaf-108	233	28	dates	date	NOUN
gujaf-108	233	29	and	and	CCONJ
gujaf-108	233	30	has	have	AUX
gujaf-108	233	31	in	in	ADP
gujaf-108	233	32	turn	turn	NOUN
gujaf-108	233	33	promote	promote	VERB
gujaf-108	233	34	the	the	DET
gujaf-108	233	35	increase	increase	NOUN
gujaf-108	233	36	in	in	ADP
gujaf-108	233	37	the	the	DET
gujaf-108	233	38	level	level	NOUN
gujaf-108	233	39	of	of	ADP
gujaf-108	233	40	loan	loan	NOUN
gujaf-108	233	41	performance	performance	NOUN
gujaf-108	233	42	of	of	ADP
gujaf-108	233	43	these	these	DET
gujaf-108	233	44	mfbs	mfbs	NOUN
gujaf-108	233	45	.	.	PUNCT
gujaf-108	234	1	5	5	X
gujaf-108	234	2	.	.	X
gujaf-108	234	3	conclusion	conclusion	NOUN
gujaf-108	234	4	,	,	PUNCT
gujaf-108	234	5	policy	policy	NOUN
gujaf-108	234	6	implication	implication	NOUN
gujaf-108	234	7	and	and	CCONJ
gujaf-108	234	8	recommendations	recommendation	NOUN
gujaf-108	234	9	the	the	DET
gujaf-108	234	10	study	study	NOUN
gujaf-108	234	11	concluded	conclude	VERB
gujaf-108	234	12	that	that	SCONJ
gujaf-108	234	13	the	the	DET
gujaf-108	234	14	collection	collection	NOUN
gujaf-108	234	15	policy	policy	NOUN
gujaf-108	234	16	developed	develop	VERB
gujaf-108	234	17	by	by	ADP
gujaf-108	234	18	mfbs	mfbs	PROPN
gujaf-108	234	19	in	in	ADP
gujaf-108	234	20	kwara	kwara	PROPN
gujaf-108	234	21	state	state	PROPN
gujaf-108	234	22	has	have	AUX
gujaf-108	234	23	been	be	AUX
gujaf-108	234	24	very	very	ADV
gujaf-108	234	25	effective	effective	ADJ
gujaf-108	234	26	in	in	ADP
gujaf-108	234	27	helping	help	VERB
gujaf-108	234	28	them	they	PRON
gujaf-108	234	29	to	to	PART
gujaf-108	234	30	reduce	reduce	VERB
gujaf-108	234	31	their	their	PRON
gujaf-108	234	32	amount	amount	NOUN
gujaf-108	234	33	of	of	ADP
gujaf-108	234	34	non	non	ADJ
gujaf-108	234	35	-	-	ADJ
gujaf-108	234	36	performing	performing	ADJ
gujaf-108	234	37	loans	loan	NOUN
gujaf-108	234	38	they	they	PRON
gujaf-108	234	39	experienced	experience	VERB
gujaf-108	234	40	from	from	ADP
gujaf-108	234	41	their	their	PRON
gujaf-108	234	42	customers	customer	NOUN
gujaf-108	234	43	and	and	CCONJ
gujaf-108	234	44	consequently	consequently	ADV
gujaf-108	234	45	increase	increase	VERB
gujaf-108	234	46	the	the	DET
gujaf-108	234	47	amount	amount	NOUN
gujaf-108	234	48	of	of	ADP
gujaf-108	234	49	performing	perform	VERB
gujaf-108	234	50	loans	loan	NOUN
gujaf-108	234	51	they	they	PRON
gujaf-108	234	52	experienced	experience	VERB
gujaf-108	234	53	.	.	PUNCT
gujaf-108	235	1	however	however	ADV
gujaf-108	235	2	,	,	PUNCT
gujaf-108	235	3	that	that	SCONJ
gujaf-108	235	4	credit	credit	NOUN
gujaf-108	235	5	appraisal	appraisal	NOUN
gujaf-108	235	6	policy	policy	NOUN
gujaf-108	235	7	put	put	VERB
gujaf-108	235	8	in	in	ADP
gujaf-108	235	9	place	place	NOUN
gujaf-108	235	10	by	by	ADP
gujaf-108	235	11	microfinance	microfinance	NOUN
gujaf-108	235	12	banks	bank	NOUN
gujaf-108	235	13	in	in	ADP
gujaf-108	235	14	kwara	kwara	PROPN
gujaf-108	235	15	state	state	PROPN
gujaf-108	235	16	has	have	AUX
gujaf-108	235	17	not	not	PART
gujaf-108	235	18	been	be	AUX
gujaf-108	235	19	effective	effective	ADJ
gujaf-108	235	20	in	in	ADP
gujaf-108	235	21	determining	determine	VERB
gujaf-108	235	22	the	the	DET
gujaf-108	235	23	performance	performance	NOUN
gujaf-108	235	24	of	of	ADP
gujaf-108	235	25	loans	loan	NOUN
gujaf-108	235	26	granted	grant	VERB
gujaf-108	235	27	by	by	ADP
gujaf-108	235	28	these	these	DET
gujaf-108	235	29	microfinance	microfinance	NOUN
gujaf-108	235	30	banks	bank	NOUN
gujaf-108	235	31	.	.	PUNCT
gujaf-108	236	1	a	a	DET
gujaf-108	236	2	policy	policy	NOUN
gujaf-108	236	3	implication	implication	NOUN
gujaf-108	236	4	which	which	PRON
gujaf-108	236	5	may	may	AUX
gujaf-108	236	6	be	be	AUX
gujaf-108	236	7	drawn	draw	VERB
gujaf-108	236	8	from	from	ADP
gujaf-108	236	9	this	this	DET
gujaf-108	236	10	study	study	NOUN
gujaf-108	236	11	is	be	AUX
gujaf-108	236	12	that	that	PRON
gujaf-108	236	13	inadequate	inadequate	ADJ
gujaf-108	236	14	and	and	CCONJ
gujaf-108	236	15	ineffective	ineffective	ADJ
gujaf-108	236	16	credit	credit	NOUN
gujaf-108	236	17	appraisal	appraisal	NOUN
gujaf-108	236	18	practices	practice	NOUN
gujaf-108	236	19	remain	remain	VERB
gujaf-108	236	20	the	the	DET
gujaf-108	236	21	bane	bane	NOUN
gujaf-108	236	22	of	of	ADP
gujaf-108	236	23	incessant	incessant	ADJ
gujaf-108	236	24	nonperforming	nonperforming	ADJ
gujaf-108	236	25	loan	loan	NOUN
gujaf-108	236	26	usually	usually	ADV
gujaf-108	236	27	recorded	record	VERB
gujaf-108	236	28	by	by	ADP
gujaf-108	236	29	mfbs	mfbs	PROPN
gujaf-108	236	30	in	in	ADP
gujaf-108	236	31	kwara	kwara	PROPN
gujaf-108	236	32	state	state	PROPN
gujaf-108	236	33	.	.	PUNCT
gujaf-108	237	1	the	the	DET
gujaf-108	237	2	inadequacy	inadequacy	NOUN
gujaf-108	237	3	and	and	CCONJ
gujaf-108	237	4	ineffectiveness	ineffectiveness	NOUN
gujaf-108	237	5	of	of	ADP
gujaf-108	237	6	credit	credit	NOUN
gujaf-108	237	7	appraisal	appraisal	NOUN
gujaf-108	237	8	procedure	procedure	NOUN
gujaf-108	237	9	might	might	AUX
gujaf-108	237	10	stem	stem	VERB
gujaf-108	237	11	from	from	ADP
gujaf-108	237	12	the	the	DET
gujaf-108	237	13	fact	fact	NOUN
gujaf-108	237	14	that	that	SCONJ
gujaf-108	237	15	,	,	PUNCT
gujaf-108	237	16	policies	policy	NOUN
gujaf-108	237	17	put	put	VERB
gujaf-108	237	18	in	in	ADP
gujaf-108	237	19	place	place	NOUN
gujaf-108	237	20	by	by	ADP
gujaf-108	237	21	managements	management	NOUN
gujaf-108	237	22	of	of	ADP
gujaf-108	237	23	these	these	DET
gujaf-108	237	24	mfbs	mfbs	NOUN
gujaf-108	237	25	have	have	AUX
gujaf-108	237	26	not	not	PART
gujaf-108	237	27	taken	take	VERB
gujaf-108	237	28	into	into	ADP
gujaf-108	237	29	account	account	NOUN
gujaf-108	237	30	,	,	PUNCT
gujaf-108	237	31	key	key	ADJ
gujaf-108	237	32	issues	issue	NOUN
gujaf-108	237	33	that	that	PRON
gujaf-108	237	34	can	can	AUX
gujaf-108	237	35	enable	enable	VERB
gujaf-108	237	36	them	they	PRON
gujaf-108	237	37	to	to	PART
gujaf-108	237	38	screen	screen	VERB
gujaf-108	237	39	out	out	ADP
gujaf-108	237	40	loans	loan	NOUN
gujaf-108	237	41	that	that	PRON
gujaf-108	237	42	have	have	VERB
gujaf-108	237	43	strong	strong	ADJ
gujaf-108	237	44	tendency	tendency	NOUN
gujaf-108	237	45	of	of	ADP
gujaf-108	237	46	becoming	become	VERB
gujaf-108	237	47	non	non	ADJ
gujaf-108	237	48	-	-	ADJ
gujaf-108	237	49	performing	performing	ADJ
gujaf-108	237	50	.	.	PUNCT
gujaf-108	238	1	these	these	DET
gujaf-108	238	2	issues	issue	NOUN
gujaf-108	238	3	include	include	VERB
gujaf-108	238	4	proper	proper	ADJ
gujaf-108	238	5	investigation	investigation	NOUN
gujaf-108	238	6	of	of	ADP
gujaf-108	238	7	the	the	DET
gujaf-108	238	8	loan	loan	NOUN
gujaf-108	238	9	applicants‟	applicants‟	ADP
gujaf-108	238	10	past	past	ADP
gujaf-108	238	11	financial	financial	ADJ
gujaf-108	238	12	history	history	NOUN
gujaf-108	238	13	,	,	PUNCT
gujaf-108	238	14	capital	capital	NOUN
gujaf-108	238	15	contribution	contribution	NOUN
gujaf-108	238	16	,	,	PUNCT
gujaf-108	238	17	financial	financial	ADJ
gujaf-108	238	18	capacity	capacity	NOUN
gujaf-108	238	19	,	,	PUNCT
gujaf-108	238	20	collateral	collateral	ADJ
gujaf-108	238	21	adequacy	adequacy	NOUN
gujaf-108	238	22	,	,	PUNCT
gujaf-108	238	23	financial	financial	ADJ
gujaf-108	238	24	literacy	literacy	NOUN
gujaf-108	238	25	and	and	CCONJ
gujaf-108	238	26	social	social	ADJ
gujaf-108	238	27	engagements	engagement	NOUN
gujaf-108	238	28	and	and	CCONJ
gujaf-108	238	29	the	the	DET
gujaf-108	238	30	lending	lending	NOUN
gujaf-108	238	31	conditions	condition	NOUN
gujaf-108	238	32	,	,	PUNCT
gujaf-108	238	33	all	all	PRON
gujaf-108	238	34	of	of	ADP
gujaf-108	238	35	which	which	PRON
gujaf-108	238	36	can	can	AUX
gujaf-108	238	37	determine	determine	VERB
gujaf-108	238	38	his	his	PRON
gujaf-108	238	39	or	or	CCONJ
gujaf-108	238	40	her	her	PRON
gujaf-108	238	41	loan	loan	NOUN
gujaf-108	238	42	repayment	repayment	NOUN
gujaf-108	238	43	behaviour	behaviour	NOUN
gujaf-108	238	44	.	.	PUNCT
gujaf-108	239	1	the	the	DET
gujaf-108	239	2	study	study	NOUN
gujaf-108	239	3	recommended	recommend	VERB
gujaf-108	239	4	that	that	SCONJ
gujaf-108	239	5	the	the	DET
gujaf-108	239	6	credit	credit	NOUN
gujaf-108	239	7	appraisal	appraisal	NOUN
gujaf-108	239	8	policies	policy	NOUN
gujaf-108	239	9	of	of	ADP
gujaf-108	239	10	microfinance	microfinance	NOUN
gujaf-108	239	11	banks	bank	NOUN
gujaf-108	239	12	in	in	ADP
gujaf-108	239	13	kwara	kwara	PROPN
gujaf-108	239	14	state	state	PROPN
gujaf-108	239	15	should	should	AUX
gujaf-108	239	16	be	be	AUX
gujaf-108	239	17	restructured	restructure	VERB
gujaf-108	239	18	and	and	CCONJ
gujaf-108	239	19	strengthened	strengthen	VERB
gujaf-108	239	20	to	to	PART
gujaf-108	239	21	capture	capture	VERB
gujaf-108	239	22	the	the	DET
gujaf-108	239	23	relevant	relevant	ADJ
gujaf-108	239	24	information	information	NOUN
gujaf-108	239	25	which	which	PRON
gujaf-108	239	26	will	will	AUX
gujaf-108	239	27	help	help	VERB
gujaf-108	239	28	these	these	DET
gujaf-108	239	29	banks	bank	NOUN
gujaf-108	239	30	to	to	PART
gujaf-108	239	31	determine	determine	VERB
gujaf-108	239	32	the	the	DET
gujaf-108	239	33	default	default	NOUN
gujaf-108	239	34	intent	intent	NOUN
gujaf-108	239	35	of	of	ADP
gujaf-108	239	36	customers	customer	NOUN
gujaf-108	239	37	.	.	PUNCT
gujaf-108	240	1	also	also	ADV
gujaf-108	240	2	,	,	PUNCT
gujaf-108	240	3	collection	collection	NOUN
gujaf-108	240	4	policy	policy	NOUN
gujaf-108	240	5	should	should	AUX
gujaf-108	240	6	be	be	AUX
gujaf-108	240	7	monitored	monitor	VERB
gujaf-108	240	8	further	far	ADV
gujaf-108	240	9	in	in	ADP
gujaf-108	240	10	order	order	NOUN
gujaf-108	240	11	that	that	SCONJ
gujaf-108	240	12	its	its	PRON
gujaf-108	240	13	effectiveness	effectiveness	NOUN
gujaf-108	240	14	in	in	ADP
gujaf-108	240	15	increasing	increase	VERB
gujaf-108	240	16	loan	loan	NOUN
gujaf-108	240	17	performance	performance	NOUN
gujaf-108	240	18	is	be	AUX
gujaf-108	240	19	improved	improve	VERB
gujaf-108	240	20	.	.	PUNCT
gujaf-108	241	1	this	this	PRON
gujaf-108	241	2	should	should	AUX
gujaf-108	241	3	be	be	AUX
gujaf-108	241	4	done	do	VERB
gujaf-108	241	5	with	with	ADP
gujaf-108	241	6	increased	increase	VERB
gujaf-108	241	7	and	and	CCONJ
gujaf-108	241	8	consistent	consistent	ADJ
gujaf-108	241	9	reminder	reminder	NOUN
gujaf-108	241	10	on	on	ADP
gujaf-108	241	11	the	the	DET
gujaf-108	241	12	consequence	consequence	NOUN
gujaf-108	241	13	of	of	ADP
gujaf-108	241	14	loan	loan	NOUN
gujaf-108	241	15	default	default	NOUN
gujaf-108	241	16	and	and	CCONJ
gujaf-108	241	17	the	the	DET
gujaf-108	241	18	benefits	benefit	NOUN
gujaf-108	241	19	in	in	ADP
gujaf-108	241	20	timely	timely	ADJ
gujaf-108	241	21	repayment	repayment	NOUN
gujaf-108	241	22	.	.	PUNCT
gujaf-108	242	1	references	reference	NOUN
gujaf-108	242	2	abugah	abugah	PROPN
gujaf-108	242	3	,	,	PUNCT
gujaf-108	242	4	w.	w.	PROPN
gujaf-108	242	5	k.	k.	PROPN
gujaf-108	242	6	,	,	PUNCT
gujaf-108	242	7	michael	michael	PROPN
gujaf-108	242	8	,	,	PUNCT
gujaf-108	242	9	n.	n.	PROPN
gujaf-108	242	10	,	,	PUNCT
gujaf-108	242	11	&	&	CCONJ
gujaf-108	242	12	odoyo	odoyo	PROPN
gujaf-108	242	13	,	,	PUNCT
gujaf-108	242	14	(	(	PUNCT
gujaf-108	242	15	2017	2017	NUM
gujaf-108	242	16	)	)	PUNCT
gujaf-108	242	17	.	.	PUNCT
gujaf-108	243	1	effects	effect	NOUN
gujaf-108	243	2	of	of	ADP
gujaf-108	243	3	lending	lending	NOUN
gujaf-108	243	4	policies	policy	NOUN
gujaf-108	243	5	on	on	ADP
gujaf-108	243	6	loan	loan	NOUN
gujaf-108	243	7	performance	performance	NOUN
gujaf-108	243	8	of	of	ADP
gujaf-108	243	9	selected	select	VERB
gujaf-108	243	10	commercial	commercial	ADJ
gujaf-108	243	11	banks	bank	NOUN
gujaf-108	243	12	in	in	ADP
gujaf-108	243	13	kisii	kisii	PROPN
gujaf-108	243	14	county	county	PROPN
gujaf-108	243	15	,	,	PUNCT
gujaf-108	243	16	kenya	kenya	PROPN
gujaf-108	243	17	.	.	PUNCT
gujaf-108	244	1	international	international	ADJ
gujaf-108	244	2	research	research	PROPN
gujaf-108	244	3	journal	journal	NOUN
gujaf-108	244	4	of	of	ADP
gujaf-108	244	5	advanced	advanced	ADJ
gujaf-108	244	6	engineering	engineering	NOUN
gujaf-108	244	7	and	and	CCONJ
gujaf-108	244	8	science	science	NOUN
gujaf-108	244	9	,	,	PUNCT
gujaf-108	244	10	2	2	NUM
gujaf-108	244	11	(	(	PUNCT
gujaf-108	244	12	3	3	NUM
gujaf-108	244	13	)	)	PUNCT
gujaf-108	244	14	,	,	PUNCT
gujaf-108	244	15	270	270	NUM
gujaf-108	244	16	-	-	SYM
gujaf-108	244	17	273	273	NUM
gujaf-108	244	18	.	.	PUNCT
gujaf-108	245	1	addae	addae	NOUN
gujaf-108	245	2	-	-	PUNCT
gujaf-108	245	3	korankye	korankye	PROPN
gujaf-108	245	4	,	,	PUNCT
gujaf-108	245	5	a.	a.	NOUN
gujaf-108	245	6	(	(	PUNCT
gujaf-108	245	7	2014	2014	NUM
gujaf-108	245	8	)	)	PUNCT
gujaf-108	245	9	.	.	PUNCT
gujaf-108	246	1	causes	cause	NOUN
gujaf-108	246	2	and	and	CCONJ
gujaf-108	246	3	control	control	NOUN
gujaf-108	246	4	of	of	ADP
gujaf-108	246	5	loan	loan	NOUN
gujaf-108	246	6	default	default	NOUN
gujaf-108	246	7	/	/	SYM
gujaf-108	246	8	delinquency	delinquency	NOUN
gujaf-108	246	9	in	in	ADP
gujaf-108	246	10	microfinance	microfinance	NOUN
gujaf-108	246	11	institutions	institution	NOUN
gujaf-108	246	12	in	in	ADP
gujaf-108	246	13	ghana.american	ghana.american	ADJ
gujaf-108	246	14	international	international	ADJ
gujaf-108	246	15	journal	journal	NOUN
gujaf-108	246	16	of	of	ADP
gujaf-108	246	17	contemporary	contemporary	ADJ
gujaf-108	246	18	research	research	NOUN
gujaf-108	246	19	,	,	PUNCT
gujaf-108	246	20	4(12	4(12	NUM
gujaf-108	246	21	)	)	PUNCT
gujaf-108	246	22	,	,	PUNCT
gujaf-108	246	23	112	112	NUM
gujaf-108	246	24	-	-	SYM
gujaf-108	246	25	120	120	NUM
gujaf-108	246	26	.	.	PUNCT
gujaf-108	247	1	arhin	arhin	PROPN
gujaf-108	247	2	,	,	PUNCT
gujaf-108	247	3	e.	e.	PROPN
gujaf-108	247	4	,	,	PUNCT
gujaf-108	247	5	issifu	issifu	PROPN
gujaf-108	247	6	,	,	PUNCT
gujaf-108	247	7	r.	r.	PROPN
gujaf-108	247	8	,	,	PUNCT
gujaf-108	247	9	akyeampong	akyeampong	PROPN
gujaf-108	247	10	,	,	PUNCT
gujaf-108	247	11	b.	b.	PROPN
gujaf-108	247	12	,	,	PUNCT
gujaf-108	247	13	&	&	CCONJ
gujaf-108	247	14	opoku	opoku	PROPN
gujaf-108	247	15	,	,	PUNCT
gujaf-108	247	16	i.	i.	PROPN
gujaf-108	247	17	n.	n.	PROPN
gujaf-108	247	18	(	(	PUNCT
gujaf-108	247	19	2019	2019	NUM
gujaf-108	247	20	)	)	PUNCT
gujaf-108	247	21	.	.	PUNCT
gujaf-108	248	1	analysis	analysis	NOUN
gujaf-108	248	2	of	of	ADP
gujaf-108	248	3	non	non	ADJ
gujaf-108	248	4	-	-	ADJ
gujaf-108	248	5	performing	performing	ADJ
gujaf-108	248	6	loans	loan	NOUN
gujaf-108	248	7	(	(	PUNCT
gujaf-108	248	8	npl	npl	NOUN
gujaf-108	248	9	)	)	PUNCT
gujaf-108	248	10	among	among	ADP
gujaf-108	248	11	microfinance	microfinance	NOUN
gujaf-108	248	12	institutions	institution	NOUN
gujaf-108	248	13	(	(	PUNCT
gujaf-108	248	14	mfis	mfis	PROPN
gujaf-108	248	15	)	)	PUNCT
gujaf-108	248	16	in	in	ADP
gujaf-108	248	17	ghana	ghana	PROPN
gujaf-108	248	18	:	:	PUNCT
gujaf-108	248	19	evidence	evidence	NOUN
gujaf-108	248	20	from	from	ADP
gujaf-108	248	21	the	the	DET
gujaf-108	248	22	kasoa	kasoa	NOUN
gujaf-108	248	23	municipality	municipality	NOUN
gujaf-108	248	24	.	.	PUNCT
gujaf-108	249	1	journal	journal	PROPN
gujaf-108	249	2	of	of	ADP
gujaf-108	249	3	economics	economic	NOUN
gujaf-108	249	4	,	,	PUNCT
gujaf-108	249	5	management	management	NOUN
gujaf-108	249	6	and	and	CCONJ
gujaf-108	249	7	trade	trade	NOUN
gujaf-108	249	8	.	.	PUNCT
gujaf-108	250	1	22(5	22(5	NOUN
gujaf-108	250	2	)	)	PUNCT
gujaf-108	250	3	,	,	PUNCT
gujaf-108	250	4	1	1	NUM
gujaf-108	250	5	-	-	SYM
gujaf-108	250	6	10	10	NUM
gujaf-108	250	7	.	.	PUNCT
gujaf-108	251	1	asteriou	asteriou	PROPN
gujaf-108	251	2	,	,	PUNCT
gujaf-108	251	3	d.	d.	PROPN
gujaf-108	251	4	,	,	PUNCT
gujaf-108	251	5	&	&	CCONJ
gujaf-108	251	6	hall	hall	PROPN
gujaf-108	251	7	,	,	PUNCT
gujaf-108	251	8	s.	s.	PROPN
gujaf-108	251	9	g.(2016	g.(2016	PROPN
gujaf-108	251	10	)	)	PUNCT
gujaf-108	251	11	.	.	PUNCT
gujaf-108	252	1	applied	apply	VERB
gujaf-108	252	2	econometrics	econometric	NOUN
gujaf-108	252	3	.	.	PUNCT
gujaf-108	253	1	london	london	PROPN
gujaf-108	253	2	:	:	PUNCT
gujaf-108	253	3	uk	uk	PROPN
gujaf-108	253	4	,	,	PUNCT
gujaf-108	253	5	red	red	ADJ
gujaf-108	253	6	globe	globe	PROPN
gujaf-108	253	7	press	press	PROPN
gujaf-108	253	8	.	.	PUNCT
gujaf-108	254	1	berger	berger	PROPN
gujaf-108	254	2	,	,	PUNCT
gujaf-108	254	3	a.	a.	PROPN
gujaf-108	254	4	n	n	PROPN
gujaf-108	254	5	&	&	CCONJ
gujaf-108	254	6	de	de	PROPN
gujaf-108	254	7	young	young	PROPN
gujaf-108	254	8	,	,	PUNCT
gujaf-108	254	9	r.	r.	PROPN
gujaf-108	254	10	(	(	PUNCT
gujaf-108	254	11	1997	1997	NUM
gujaf-108	254	12	)	)	PUNCT
gujaf-108	254	13	.	.	PUNCT
gujaf-108	255	1	problem	problem	NOUN
gujaf-108	255	2	loans	loan	NOUN
gujaf-108	255	3	and	and	CCONJ
gujaf-108	255	4	cost	cost	NOUN
gujaf-108	255	5	efficiency	efficiency	NOUN
gujaf-108	255	6	in	in	ADP
gujaf-108	255	7	commercial	commercial	ADJ
gujaf-108	255	8	banks	bank	NOUN
gujaf-108	255	9	.	.	PUNCT
gujaf-108	256	1	journal	journal	NOUN
gujaf-108	256	2	of	of	ADP
gujaf-108	256	3	banking	banking	NOUN
gujaf-108	256	4	and	and	CCONJ
gujaf-108	256	5	finance	finance	NOUN
gujaf-108	256	6	,	,	PUNCT
gujaf-108	256	7	21	21	NUM
gujaf-108	256	8	,	,	PUNCT
gujaf-108	256	9	1	1	NUM
gujaf-108	256	10	-	-	SYM
gujaf-108	256	11	29	29	NUM
gujaf-108	256	12	field	field	NOUN
gujaf-108	256	13	,	,	PUNCT
gujaf-108	256	14	a.	a.	NOUN
gujaf-108	256	15	(	(	PUNCT
gujaf-108	256	16	2005	2005	NUM
gujaf-108	256	17	)	)	PUNCT
gujaf-108	256	18	discovering	discover	VERB
gujaf-108	256	19	statistics	statistic	NOUN
gujaf-108	256	20	using	use	VERB
gujaf-108	256	21	spss	spss	PROPN
gujaf-108	256	22	.	.	PUNCT
gujaf-108	257	1	london	london	PROPN
gujaf-108	257	2	:	:	PUNCT
gujaf-108	257	3	sage	sage	NOUN
gujaf-108	257	4	publications	publication	NOUN
gujaf-108	257	5	.	.	PUNCT
gujaf-108	258	1	fofack	fofack	PROPN
gujaf-108	258	2	,	,	PUNCT
gujaf-108	258	3	h.	h.	PROPN
gujaf-108	258	4	l.	l.	PROPN
gujaf-108	258	5	(	(	PUNCT
gujaf-108	258	6	2005	2005	NUM
gujaf-108	258	7	)	)	PUNCT
gujaf-108	258	8	.	.	PUNCT
gujaf-108	259	1	nonperforming	nonperforme	VERB
gujaf-108	259	2	loans	loan	NOUN
gujaf-108	259	3	in	in	ADP
gujaf-108	259	4	sub	sub	ADJ
gujaf-108	259	5	-	-	ADJ
gujaf-108	259	6	saharan	saharan	ADJ
gujaf-108	259	7	africa	africa	PROPN
gujaf-108	259	8	:	:	PUNCT
gujaf-108	259	9	causal	causal	ADJ
gujaf-108	259	10	analysis	analysis	NOUN
gujaf-108	259	11	and	and	CCONJ
gujaf-108	259	12	macroeconomic	macroeconomic	ADJ
gujaf-108	259	13	implications	implication	NOUN
gujaf-108	259	14	.	.	PUNCT
gujaf-108	260	1	policy	policy	NOUN
gujaf-108	260	2	research	research	NOUN
gujaf-108	260	3	working	working	NOUN
gujaf-108	260	4	paper	paper	NOUN
gujaf-108	260	5	;	;	PUNCT
gujaf-108	260	6	no	no	INTJ
gujaf-108	260	7	.	.	NOUN
gujaf-108	260	8	3769	3769	NUM
gujaf-108	260	9	.	.	PUNCT
gujaf-108	261	1	retrieved	retrieve	VERB
gujaf-108	261	2	from	from	ADP
gujaf-108	261	3	https://openknowledge.worldbank.org/handle/10986/8498	https://openknowledge.worldbank.org/handle/10986/8498	PROPN
gujaf-108	261	4	.	.	PUNCT
gujaf-108	262	1	john	john	PROPN
gujaf-108	262	2	,	,	PUNCT
gujaf-108	262	3	n.	n.	PROPN
gujaf-108	262	4	u.	u.	PROPN
gujaf-108	262	5	(	(	PUNCT
gujaf-108	262	6	2016	2016	NUM
gujaf-108	262	7	)	)	PUNCT
gujaf-108	262	8	.	.	PUNCT
gujaf-108	263	1	non	non	ADJ
gujaf-108	263	2	-	-	ADJ
gujaf-108	263	3	performing	perform	VERB
gujaf-108	263	4	loans	loan	NOUN
gujaf-108	263	5	portfolio	portfolio	NOUN
gujaf-108	263	6	and	and	CCONJ
gujaf-108	263	7	its	its	PRON
gujaf-108	263	8	effect	effect	NOUN
gujaf-108	263	9	on	on	ADP
gujaf-108	263	10	bank	bank	NOUN
gujaf-108	263	11	profitability	profitability	NOUN
gujaf-108	263	12	in	in	ADP
gujaf-108	263	13	nigeria.independent	nigeria.independent	PROPN
gujaf-108	263	14	journal	journal	NOUN
gujaf-108	263	15	of	of	ADP
gujaf-108	263	16	management	management	NOUN
gujaf-108	263	17	&	&	CCONJ
gujaf-108	263	18	production	production	NOUN
gujaf-108	263	19	,	,	PUNCT
gujaf-108	263	20	7(2	7(2	NUM
gujaf-108	263	21	)	)	PUNCT
gujaf-108	263	22	,	,	PUNCT
gujaf-108	263	23	92	92	NUM
gujaf-108	263	24	-	-	SYM
gujaf-108	263	25	102	102	NUM
gujaf-108	263	26	.	.	PUNCT
gujaf-108	264	1	namutenda	namutenda	NOUN
gujaf-108	264	2	,	,	PUNCT
gujaf-108	264	3	o.	o.	PROPN
gujaf-108	264	4	k.	k.	PROPN
gujaf-108	264	5	,	,	PUNCT
gujaf-108	264	6	&	&	CCONJ
gujaf-108	264	7	muturi	muturi	PROPN
gujaf-108	264	8	,	,	PUNCT
gujaf-108	264	9	w.	w.	PROPN
gujaf-108	264	10	(	(	PUNCT
gujaf-108	264	11	2017	2017	NUM
gujaf-108	264	12	)	)	PUNCT
gujaf-108	264	13	.	.	PUNCT
gujaf-108	265	1	effect	effect	NOUN
gujaf-108	265	2	of	of	ADP
gujaf-108	265	3	lending	lend	VERB
gujaf-108	265	4	policies	policy	NOUN
gujaf-108	265	5	on	on	ADP
gujaf-108	265	6	financial	financial	ADJ
gujaf-108	265	7	performance	performance	NOUN
gujaf-108	265	8	of	of	ADP
gujaf-108	265	9	microfinance	microfinance	NOUN
gujaf-108	265	10	institutions	institution	NOUN
gujaf-108	265	11	in	in	ADP
gujaf-108	265	12	kisii	kisii	PROPN
gujaf-108	265	13	county	county	PROPN
gujaf-108	265	14	kenya	kenya	NOUN
gujaf-108	265	15	:	:	PUNCT
gujaf-108	265	16	a	a	DET
gujaf-108	265	17	case	case	NOUN
gujaf-108	265	18	study	study	NOUN
gujaf-108	265	19	of	of	ADP
gujaf-108	265	20	kenya	kenya	PROPN
gujaf-108	265	21	women	women	PROPN
gujaf-108	265	22	finance	finance	PROPN
gujaf-108	265	23	trust	trust	PROPN
gujaf-108	265	24	.	.	PUNCT
gujaf-108	266	1	international	international	ADJ
gujaf-108	266	2	journal	journal	PROPN
gujaf-108	266	3	of	of	ADP
gujaf-108	266	4	social	social	ADJ
gujaf-108	266	5	science	science	NOUN
gujaf-108	266	6	and	and	CCONJ
gujaf-108	266	7	information	information	NOUN
gujaf-108	266	8	technology	technology	NOUN
gujaf-108	266	9	,	,	PUNCT
gujaf-108	266	10	3(8	3(8	NUM
gujaf-108	266	11	)	)	PUNCT
gujaf-108	266	12	,	,	PUNCT
gujaf-108	266	13	2297	2297	NUM
gujaf-108	266	14	-	-	SYM
gujaf-108	266	15	2319	2319	NUM
gujaf-108	266	16	.	.	PUNCT
gujaf-108	267	1	https://openknowledge.worldbank.org/handle/10986/8498	https://openknowledge.worldbank.org/handle/10986/8498	PROPN
gujaf-108	267	2	12	12	NUM
gujaf-108	267	3	ngeno	ngeno	NOUN
gujaf-108	267	4	,	,	PUNCT
gujaf-108	267	5	j.	j.	PROPN
gujaf-108	267	6	k.	k.	PROPN
gujaf-108	267	7	(	(	PUNCT
gujaf-108	267	8	2017	2017	NUM
gujaf-108	267	9	)	)	PUNCT
gujaf-108	267	10	.	.	PUNCT
gujaf-108	268	1	influence	influence	NOUN
gujaf-108	268	2	of	of	ADP
gujaf-108	268	3	lending	lend	VERB
gujaf-108	268	4	policy	policy	NOUN
gujaf-108	268	5	on	on	ADP
gujaf-108	268	6	the	the	DET
gujaf-108	268	7	quality	quality	NOUN
gujaf-108	268	8	of	of	ADP
gujaf-108	268	9	loan	loan	NOUN
gujaf-108	268	10	portfolio	portfolio	NOUN
gujaf-108	268	11	among	among	ADP
gujaf-108	268	12	deposit	deposit	NOUN
gujaf-108	268	13	taking	take	VERB
gujaf-108	268	14	savings	saving	NOUN
gujaf-108	268	15	and	and	CCONJ
gujaf-108	268	16	credit	credit	NOUN
gujaf-108	268	17	co	co	NOUN
gujaf-108	268	18	-	-	NOUN
gujaf-108	268	19	operatives	operative	NOUN
gujaf-108	268	20	in	in	ADP
gujaf-108	268	21	starehe	starehe	ADV
gujaf-108	268	22	sub	sub	NOUN
gujaf-108	268	23	-	-	NOUN
gujaf-108	268	24	county	county	NOUN
gujaf-108	268	25	,	,	PUNCT
gujaf-108	268	26	nairobi	nairobi	PROPN
gujaf-108	268	27	,	,	PUNCT
gujaf-108	268	28	kenya	kenya	PROPN
gujaf-108	268	29	.	.	PUNCT
gujaf-108	269	1	(	(	PUNCT
gujaf-108	269	2	master	master	NOUN
gujaf-108	269	3	dissertation	dissertation	NOUN
gujaf-108	269	4	,	,	PUNCT
gujaf-108	269	5	university	university	PROPN
gujaf-108	269	6	of	of	ADP
gujaf-108	269	7	nairobi	nairobi	PROPN
gujaf-108	269	8	,	,	PUNCT
gujaf-108	269	9	kenya	kenya	PROPN
gujaf-108	269	10	)	)	PUNCT
gujaf-108	269	11	.	.	PUNCT
gujaf-108	270	1	nwanna	nwanna	PROPN
gujaf-108	270	2	,	,	PUNCT
gujaf-108	270	3	i.o	i.o	PROPN
gujaf-108	270	4	.	.	PROPN
gujaf-108	270	5	,	,	PUNCT
gujaf-108	270	6	&	&	CCONJ
gujaf-108	270	7	oguezue	oguezue	PROPN
gujaf-108	270	8	,	,	PUNCT
gujaf-108	270	9	f.c	f.c	PROPN
gujaf-108	270	10	.	.	PROPN
gujaf-108	270	11	(	(	PUNCT
gujaf-108	270	12	2017).effect	2017).effect	NUM
gujaf-108	270	13	of	of	ADP
gujaf-108	270	14	credit	credit	NOUN
gujaf-108	270	15	management	management	NOUN
gujaf-108	270	16	on	on	ADP
gujaf-108	270	17	profitability	profitability	NOUN
gujaf-108	270	18	of	of	ADP
gujaf-108	270	19	deposit	deposit	NOUN
gujaf-108	270	20	money	money	NOUN
gujaf-108	270	21	banks	bank	NOUN
gujaf-108	270	22	in	in	ADP
gujaf-108	270	23	nigeria	nigeria	PROPN
gujaf-108	270	24	.	.	PUNCT
gujaf-108	271	1	international	international	ADJ
gujaf-108	271	2	journal	journal	PROPN
gujaf-108	271	3	of	of	ADP
gujaf-108	271	4	banking	banking	NOUN
gujaf-108	271	5	and	and	CCONJ
gujaf-108	271	6	finance	finance	NOUN
gujaf-108	271	7	research	research	NOUN
gujaf-108	271	8	,	,	PUNCT
gujaf-108	271	9	3(2	3(2	NUM
gujaf-108	271	10	)	)	PUNCT
gujaf-108	271	11	,	,	PUNCT
gujaf-108	271	12	137	137	NUM
gujaf-108	271	13	-	-	SYM
gujaf-108	271	14	160	160	NUM
gujaf-108	271	15	.	.	PUNCT
gujaf-108	272	1	nyarko	nyarko	NOUN
gujaf-108	272	2	-	-	PUNCT
gujaf-108	272	3	baasi	baasi	NOUN
gujaf-108	272	4	,	,	PUNCT
gujaf-108	272	5	m.	m.	NOUN
gujaf-108	272	6	(	(	PUNCT
gujaf-108	272	7	2018).effects	2018).effect	NOUN
gujaf-108	272	8	of	of	ADP
gujaf-108	272	9	non	non	ADJ
gujaf-108	272	10	-	-	ADJ
gujaf-108	272	11	performing	performing	ADJ
gujaf-108	272	12	loans	loan	NOUN
gujaf-108	272	13	on	on	ADP
gujaf-108	272	14	the	the	DET
gujaf-108	272	15	profitability	profitability	NOUN
gujaf-108	272	16	of	of	ADP
gujaf-108	272	17	commercial	commercial	ADJ
gujaf-108	272	18	banks	bank	NOUN
gujaf-108	272	19	a	a	DET
gujaf-108	272	20	study	study	NOUN
gujaf-108	272	21	of	of	ADP
gujaf-108	272	22	some	some	DET
gujaf-108	272	23	selected	select	VERB
gujaf-108	272	24	banks	bank	NOUN
gujaf-108	272	25	on	on	ADP
gujaf-108	272	26	the	the	DET
gujaf-108	272	27	ghana	ghana	PROPN
gujaf-108	272	28	stock	stock	PROPN
gujaf-108	272	29	exchange.global	exchange.global	PROPN
gujaf-108	272	30	journal	journal	NOUN
gujaf-108	272	31	of	of	ADP
gujaf-108	272	32	management	management	NOUN
gujaf-108	272	33	and	and	CCONJ
gujaf-108	272	34	business	business	NOUN
gujaf-108	272	35	research	research	NOUN
gujaf-108	272	36	,	,	PUNCT
gujaf-108	272	37	18(2	18(2	NUM
gujaf-108	272	38	)	)	PUNCT
gujaf-108	272	39	.	.	PUNCT
gujaf-108	273	1	olanike	olanike	PROPN
gujaf-108	273	2	,	,	PUNCT
gujaf-108	273	3	b.	b.	PROPN
gujaf-108	273	4	,	,	PUNCT
gujaf-108	273	5	&	&	CCONJ
gujaf-108	273	6	adebola	adebola	PROPN
gujaf-108	273	7	,	,	PUNCT
gujaf-108	273	8	j.	j.	PROPN
gujaf-108	273	9	(	(	PUNCT
gujaf-108	273	10	2014	2014	NUM
gujaf-108	273	11	)	)	PUNCT
gujaf-108	273	12	.	.	PUNCT
gujaf-108	274	1	prime	prime	ADJ
gujaf-108	274	2	lending	lending	NOUN
gujaf-108	274	3	rates	rate	NOUN
gujaf-108	274	4	and	and	CCONJ
gujaf-108	274	5	the	the	DET
gujaf-108	274	6	performance	performance	NOUN
gujaf-108	274	7	of	of	ADP
gujaf-108	274	8	microfinance	microfinance	NOUN
gujaf-108	274	9	banks	bank	NOUN
gujaf-108	274	10	in	in	ADP
gujaf-108	274	11	nigeria	nigeria	PROPN
gujaf-108	274	12	.	.	PUNCT
gujaf-108	275	1	evaluation	evaluation	NOUN
gujaf-108	275	2	review	review	NOUN
gujaf-108	275	3	,	,	PUNCT
gujaf-108	275	4	6(12	6(12	NUM
gujaf-108	275	5	)	)	PUNCT
gujaf-108	275	6	,	,	PUNCT
gujaf-108	275	7	131–137	131–137	NUM
gujaf-108	275	8	.	.	PUNCT
gujaf-108	276	1	omare	omare	PROPN
gujaf-108	276	2	,	,	PUNCT
gujaf-108	276	3	h.	h.	PROPN
gujaf-108	276	4	(	(	PUNCT
gujaf-108	276	5	2016	2016	NUM
gujaf-108	276	6	)	)	PUNCT
gujaf-108	276	7	.	.	PUNCT
gujaf-108	277	1	effect	effect	NOUN
gujaf-108	277	2	of	of	ADP
gujaf-108	277	3	credit	credit	NOUN
gujaf-108	277	4	reference	reference	NOUN
gujaf-108	277	5	bureau	bureau	NOUN
gujaf-108	277	6	services	service	NOUN
gujaf-108	277	7	on	on	ADP
gujaf-108	277	8	non	non	ADJ
gujaf-108	277	9	-	-	ADJ
gujaf-108	277	10	performing	performing	ADJ
gujaf-108	277	11	loan	loan	NOUN
gujaf-108	277	12	portfolios	portfolio	NOUN
gujaf-108	277	13	in	in	ADP
gujaf-108	277	14	kenya	kenya	PROPN
gujaf-108	277	15	:	:	PUNCT
gujaf-108	277	16	a	a	DET
gujaf-108	277	17	case	case	NOUN
gujaf-108	277	18	study	study	NOUN
gujaf-108	277	19	of	of	ADP
gujaf-108	277	20	deposit	deposit	NOUN
gujaf-108	277	21	taking	take	VERB
gujaf-108	277	22	microfinance	microfinance	NOUN
gujaf-108	277	23	institution	institution	NOUN
gujaf-108	277	24	.	.	PUNCT
gujaf-108	278	1	retrieved	retrieve	VERB
gujaf-108	278	2	from	from	ADP
gujaf-108	278	3	https://www.grin.com/document/500466	https://www.grin.com/document/500466	PROPN
gujaf-108	278	4	wondimagegnehu	wondimagegnehu	PROPN
gujaf-108	278	5	,	,	PUNCT
gujaf-108	278	6	n.	n.	PROPN
gujaf-108	278	7	(	(	PUNCT
gujaf-108	278	8	2012	2012	NUM
gujaf-108	278	9	)	)	PUNCT
gujaf-108	278	10	.	.	PUNCT
gujaf-108	279	1	determinants	determinant	NOUN
gujaf-108	279	2	of	of	ADP
gujaf-108	279	3	non	non	ADJ
gujaf-108	279	4	-	-	ADJ
gujaf-108	279	5	performing	performing	ADJ
gujaf-108	279	6	loans	loan	NOUN
gujaf-108	279	7	:	:	PUNCT
gujaf-108	279	8	the	the	DET
gujaf-108	279	9	case	case	NOUN
gujaf-108	279	10	of	of	ADP
gujaf-108	279	11	ethiopian	ethiopian	ADJ
gujaf-108	279	12	banks	bank	NOUN
gujaf-108	279	13	.	.	PUNCT
gujaf-108	280	1	(	(	PUNCT
gujaf-108	280	2	master	master	NOUN
gujaf-108	280	3	dissertation	dissertation	NOUN
gujaf-108	280	4	,	,	PUNCT
gujaf-108	280	5	university	university	NOUN
gujaf-108	280	6	of	of	ADP
gujaf-108	280	7	south	south	PROPN
gujaf-108	280	8	africa	africa	PROPN
gujaf-108	280	9	)	)	PUNCT
gujaf-108	280	10	.	.	PUNCT
gujaf-108	281	1	retrieved	retrieve	VERB
gujaf-108	281	2	from	from	ADP
gujaf-108	281	3	https://core.ac.uk/download/pdf/43168979.pdf	https://core.ac.uk/download/pdf/43168979.pdf	PROPN
gujaf-108	281	4	.	.	PUNCT
gujaf-108	282	1	https://core.ac.uk/download/pdf/43168979.pdf	https://core.ac.uk/download/pdf/43168979.pdf	NOUN