id	sid	tid	token	lemma	pos
gujaf-144	1	1	i	i	PRON
gujaf-144	1	2	gusau	gusau	PROPN
gujaf-144	1	3	journal	journal	NOUN
gujaf-144	1	4	of	of	ADP
gujaf-144	1	5	accounting	accounting	NOUN
gujaf-144	1	6	and	and	CCONJ
gujaf-144	1	7	finance	finance	NOUN
gujaf-144	1	8	(	(	PUNCT
gujaf-144	1	9	gujaf	gujaf	NOUN
gujaf-144	1	10	)	)	PUNCT
gujaf-144	1	11	vol	vol	NOUN
gujaf-144	1	12	.	.	NOUN
gujaf-144	1	13	3	3	NUM
gujaf-144	1	14	issue	issue	NOUN
gujaf-144	1	15	2	2	NUM
gujaf-144	1	16	,	,	PUNCT
gujaf-144	1	17	april	april	PROPN
gujaf-144	1	18	,	,	PUNCT
gujaf-144	1	19	2022	2022	NUM
gujaf-144	1	20	issn	issn	NOUN
gujaf-144	1	21	:	:	PUNCT
gujaf-144	1	22	2756	2756	NUM
gujaf-144	1	23	-	-	PUNCT
gujaf-144	1	24	665x	665x	NOUN
gujaf-144	1	25	a	a	DET
gujaf-144	1	26	publication	publication	NOUN
gujaf-144	1	27	of	of	ADP
gujaf-144	1	28	department	department	NOUN
gujaf-144	1	29	of	of	ADP
gujaf-144	1	30	accounting	accounting	NOUN
gujaf-144	1	31	and	and	CCONJ
gujaf-144	1	32	finance	finance	NOUN
gujaf-144	1	33	,	,	PUNCT
gujaf-144	1	34	faculty	faculty	NOUN
gujaf-144	1	35	of	of	ADP
gujaf-144	1	36	management	management	NOUN
gujaf-144	1	37	and	and	CCONJ
gujaf-144	1	38	social	social	ADJ
gujaf-144	1	39	sciences	science	NOUN
gujaf-144	1	40	,	,	PUNCT
gujaf-144	1	41	federal	federal	ADJ
gujaf-144	1	42	university	university	NOUN
gujaf-144	1	43	gusau	gusau	NOUN
gujaf-144	1	44	,	,	PUNCT
gujaf-144	1	45	zamfara	zamfara	PROPN
gujaf-144	1	46	state	state	PROPN
gujaf-144	1	47	-nigeria	-nigeria	PROPN
gujaf-144	1	48	1	1	NUM
gujaf-144	1	49	liquidity	liquidity	NOUN
gujaf-144	1	50	management	management	NOUN
gujaf-144	1	51	and	and	CCONJ
gujaf-144	1	52	financial	financial	ADJ
gujaf-144	1	53	performance	performance	NOUN
gujaf-144	1	54	of	of	ADP
gujaf-144	1	55	listed	list	VERB
gujaf-144	1	56	deposit	deposit	NOUN
gujaf-144	1	57	money	money	NOUN
gujaf-144	1	58	banks	bank	NOUN
gujaf-144	1	59	in	in	ADP
gujaf-144	1	60	nigeria	nigeria	PROPN
gujaf-144	1	61	bashiru	bashiru	PROPN
gujaf-144	1	62	iliyasu	iliyasu	PROPN
gujaf-144	1	63	danmulki	danmulki	PROPN
gujaf-144	1	64	national	national	PROPN
gujaf-144	1	65	board	board	PROPN
gujaf-144	1	66	for	for	ADP
gujaf-144	1	67	technical	technical	ADJ
gujaf-144	1	68	education	education	NOUN
gujaf-144	1	69	,	,	PUNCT
gujaf-144	1	70	kaduna	kaduna	PROPN
gujaf-144	1	71	,	,	PUNCT
gujaf-144	1	72	nigeria	nigeria	PROPN
gujaf-144	1	73	+2348035578963	+2348035578963	NUM
gujaf-144	1	74	,	,	PUNCT
gujaf-144	1	75	dimulk@yahoo.com	dimulk@yahoo.com	PROPN
gujaf-144	2	1	eniola	eniola	PROPN
gujaf-144	2	2	samuel	samuel	PROPN
gujaf-144	2	3	agbi	agbi	PROPN
gujaf-144	2	4	department	department	PROPN
gujaf-144	2	5	of	of	ADP
gujaf-144	2	6	accounting	accounting	PROPN
gujaf-144	2	7	nigeria	nigeria	PROPN
gujaf-144	2	8	defense	defense	PROPN
gujaf-144	2	9	academy	academy	PROPN
gujaf-144	2	10	,	,	PUNCT
gujaf-144	2	11	kaduna	kaduna	PROPN
gujaf-144	2	12	,	,	PUNCT
gujaf-144	2	13	nigeria	nigeria	PROPN
gujaf-144	2	14	+2348163426272	+2348163426272	PROPN
gujaf-144	2	15	,	,	PUNCT
gujaf-144	2	16	samagbi@yahoo.com	samagbi@yahoo.com	X
gujaf-144	3	1	lateef	lateef	PROPN
gujaf-144	3	2	o.	o.	PROPN
gujaf-144	3	3	mustapha	mustapha	PROPN
gujaf-144	3	4	department	department	PROPN
gujaf-144	3	5	of	of	ADP
gujaf-144	3	6	accounting	accounting	PROPN
gujaf-144	3	7	nigeria	nigeria	PROPN
gujaf-144	3	8	defense	defense	PROPN
gujaf-144	3	9	academy	academy	PROPN
gujaf-144	3	10	,	,	PUNCT
gujaf-144	3	11	kaduna	kaduna	PROPN
gujaf-144	3	12	,	,	PUNCT
gujaf-144	3	13	nigeria	nigeria	PROPN
gujaf-144	3	14	+2348036049138	+2348036049138	NUM
gujaf-144	3	15	,	,	PUNCT
gujaf-144	3	16	lomustapha@nda.edu.ng	lomustapha@nda.edu.ng	NOUN
gujaf-144	3	17	abstract	abstract	ADV
gujaf-144	3	18	the	the	DET
gujaf-144	3	19	study	study	NOUN
gujaf-144	3	20	investigates	investigate	VERB
gujaf-144	3	21	the	the	DET
gujaf-144	3	22	effect	effect	NOUN
gujaf-144	3	23	of	of	ADP
gujaf-144	3	24	liquidity	liquidity	NOUN
gujaf-144	3	25	management	management	NOUN
gujaf-144	3	26	on	on	ADP
gujaf-144	3	27	financial	financial	ADJ
gujaf-144	3	28	performance	performance	NOUN
gujaf-144	3	29	of	of	ADP
gujaf-144	3	30	listed	list	VERB
gujaf-144	3	31	deposit	deposit	NOUN
gujaf-144	3	32	money	money	NOUN
gujaf-144	3	33	banks	bank	NOUN
gujaf-144	3	34	in	in	ADP
gujaf-144	3	35	nigeria	nigeria	PROPN
gujaf-144	3	36	.	.	PUNCT
gujaf-144	4	1	liquidity	liquidity	NOUN
gujaf-144	4	2	management	management	NOUN
gujaf-144	4	3	was	be	AUX
gujaf-144	4	4	measured	measure	VERB
gujaf-144	4	5	and	and	CCONJ
gujaf-144	4	6	proxy	proxy	NOUN
gujaf-144	4	7	with	with	ADP
gujaf-144	4	8	capital	capital	NOUN
gujaf-144	4	9	adequacy	adequacy	NOUN
gujaf-144	4	10	ratio	ratio	NOUN
gujaf-144	4	11	,	,	PUNCT
gujaf-144	4	12	liquidity	liquidity	NOUN
gujaf-144	4	13	ratio	ratio	NOUN
gujaf-144	4	14	and	and	CCONJ
gujaf-144	4	15	loan	loan	NOUN
gujaf-144	4	16	to	to	ADP
gujaf-144	4	17	deposit	deposit	NOUN
gujaf-144	4	18	ratio	ratio	NOUN
gujaf-144	4	19	,	,	PUNCT
gujaf-144	4	20	however	however	ADV
gujaf-144	4	21	financial	financial	ADJ
gujaf-144	4	22	performance	performance	NOUN
gujaf-144	4	23	was	be	AUX
gujaf-144	4	24	proxy	proxy	ADJ
gujaf-144	4	25	with	with	SCONJ
gujaf-144	4	26	tobin	tobin	PROPN
gujaf-144	4	27	’s	’s	PART
gujaf-144	4	28	q.	q.	PROPN
gujaf-144	4	29	secondary	secondary	PROPN
gujaf-144	4	30	data	data	PROPN
gujaf-144	4	31	source	source	NOUN
gujaf-144	4	32	was	be	AUX
gujaf-144	4	33	utilized	utilize	VERB
gujaf-144	4	34	and	and	CCONJ
gujaf-144	4	35	it	it	PRON
gujaf-144	4	36	was	be	AUX
gujaf-144	4	37	extracted	extract	VERB
gujaf-144	4	38	via	via	ADP
gujaf-144	4	39	the	the	DET
gujaf-144	4	40	audited	audit	VERB
gujaf-144	4	41	published	publish	VERB
gujaf-144	4	42	annual	annual	ADJ
gujaf-144	4	43	reports	report	NOUN
gujaf-144	4	44	and	and	CCONJ
gujaf-144	4	45	accounts	account	NOUN
gujaf-144	4	46	of	of	ADP
gujaf-144	4	47	the	the	DET
gujaf-144	4	48	banks	bank	NOUN
gujaf-144	4	49	selected	select	VERB
gujaf-144	4	50	covering	cover	VERB
gujaf-144	4	51	the	the	DET
gujaf-144	4	52	period	period	NOUN
gujaf-144	4	53	from	from	ADP
gujaf-144	4	54	2010	2010	NUM
gujaf-144	4	55	-	-	SYM
gujaf-144	4	56	2019	2019	NUM
gujaf-144	4	57	.	.	PUNCT
gujaf-144	5	1	panel	panel	NOUN
gujaf-144	5	2	multiple	multiple	ADJ
gujaf-144	5	3	regression	regression	NOUN
gujaf-144	5	4	technique	technique	NOUN
gujaf-144	5	5	was	be	AUX
gujaf-144	5	6	adopted	adopt	VERB
gujaf-144	5	7	as	as	ADP
gujaf-144	5	8	the	the	DET
gujaf-144	5	9	technique	technique	NOUN
gujaf-144	5	10	of	of	ADP
gujaf-144	5	11	data	datum	NOUN
gujaf-144	5	12	analysis	analysis	NOUN
gujaf-144	5	13	,	,	PUNCT
gujaf-144	5	14	while	while	SCONJ
gujaf-144	5	15	stata	stata	NOUN
gujaf-144	5	16	13	13	NUM
gujaf-144	5	17	was	be	AUX
gujaf-144	5	18	used	use	VERB
gujaf-144	5	19	as	as	ADP
gujaf-144	5	20	the	the	DET
gujaf-144	5	21	tool	tool	NOUN
gujaf-144	5	22	for	for	ADP
gujaf-144	5	23	analysis	analysis	NOUN
gujaf-144	5	24	of	of	ADP
gujaf-144	5	25	data	datum	NOUN
gujaf-144	5	26	.	.	PUNCT
gujaf-144	6	1	robustness	robustness	NOUN
gujaf-144	6	2	tests	test	NOUN
gujaf-144	6	3	which	which	PRON
gujaf-144	6	4	include	include	VERB
gujaf-144	6	5	heteroscedasticity	heteroscedasticity	NOUN
gujaf-144	6	6	,	,	PUNCT
gujaf-144	6	7	multicollinearity	multicollinearity	NOUN
gujaf-144	6	8	and	and	CCONJ
gujaf-144	6	9	normality	normality	NOUN
gujaf-144	6	10	test	test	NOUN
gujaf-144	6	11	of	of	ADP
gujaf-144	6	12	standard	standard	ADJ
gujaf-144	6	13	error	error	NOUN
gujaf-144	6	14	were	be	AUX
gujaf-144	6	15	conducted	conduct	VERB
gujaf-144	6	16	.	.	PUNCT
gujaf-144	7	1	findings	finding	NOUN
gujaf-144	7	2	revealed	reveal	VERB
gujaf-144	7	3	that	that	SCONJ
gujaf-144	7	4	capital	capital	NOUN
gujaf-144	7	5	adequacy	adequacy	NOUN
gujaf-144	7	6	ratio	ratio	NOUN
gujaf-144	7	7	have	have	VERB
gujaf-144	7	8	positive	positive	ADJ
gujaf-144	7	9	and	and	CCONJ
gujaf-144	7	10	significant	significant	ADJ
gujaf-144	7	11	effect	effect	NOUN
gujaf-144	7	12	on	on	ADP
gujaf-144	7	13	financial	financial	ADJ
gujaf-144	7	14	performance	performance	NOUN
gujaf-144	7	15	of	of	ADP
gujaf-144	7	16	listed	list	VERB
gujaf-144	7	17	deposit	deposit	NOUN
gujaf-144	7	18	money	money	NOUN
gujaf-144	7	19	banks	bank	NOUN
gujaf-144	7	20	in	in	ADP
gujaf-144	7	21	nigeria	nigeria	PROPN
gujaf-144	7	22	.	.	PUNCT
gujaf-144	8	1	liquidity	liquidity	NOUN
gujaf-144	8	2	ratio	ratio	NOUN
gujaf-144	8	3	has	have	VERB
gujaf-144	8	4	significant	significant	ADJ
gujaf-144	8	5	but	but	CCONJ
gujaf-144	8	6	negative	negative	ADJ
gujaf-144	8	7	effect	effect	NOUN
gujaf-144	8	8	on	on	ADP
gujaf-144	8	9	financial	financial	ADJ
gujaf-144	8	10	performance	performance	NOUN
gujaf-144	8	11	of	of	ADP
gujaf-144	8	12	banks	bank	NOUN
gujaf-144	8	13	in	in	ADP
gujaf-144	8	14	nigeria	nigeria	PROPN
gujaf-144	8	15	which	which	PRON
gujaf-144	8	16	connotes	connote	VERB
gujaf-144	8	17	that	that	SCONJ
gujaf-144	8	18	high	high	ADJ
gujaf-144	8	19	level	level	NOUN
gujaf-144	8	20	of	of	ADP
gujaf-144	8	21	liquidity	liquidity	NOUN
gujaf-144	8	22	ratio	ratio	NOUN
gujaf-144	8	23	will	will	AUX
gujaf-144	8	24	lead	lead	VERB
gujaf-144	8	25	to	to	ADP
gujaf-144	8	26	low	low	ADJ
gujaf-144	8	27	level	level	NOUN
gujaf-144	8	28	of	of	ADP
gujaf-144	8	29	performance	performance	NOUN
gujaf-144	8	30	strategically	strategically	ADV
gujaf-144	8	31	for	for	ADP
gujaf-144	8	32	banks	bank	NOUN
gujaf-144	8	33	.	.	PUNCT
gujaf-144	9	1	loan	loan	NOUN
gujaf-144	9	2	to	to	ADP
gujaf-144	9	3	deposit	deposit	NOUN
gujaf-144	9	4	ratio	ratio	NOUN
gujaf-144	9	5	has	have	VERB
gujaf-144	9	6	positive	positive	ADJ
gujaf-144	9	7	but	but	CCONJ
gujaf-144	9	8	insignificant	insignificant	ADJ
gujaf-144	9	9	effect	effect	NOUN
gujaf-144	9	10	on	on	ADP
gujaf-144	9	11	financial	financial	ADJ
gujaf-144	9	12	performance	performance	NOUN
gujaf-144	9	13	.	.	PUNCT
gujaf-144	10	1	it	it	PRON
gujaf-144	10	2	is	be	AUX
gujaf-144	10	3	therefore	therefore	ADV
gujaf-144	10	4	recommended	recommend	VERB
gujaf-144	10	5	that	that	SCONJ
gujaf-144	10	6	management	management	NOUN
gujaf-144	10	7	of	of	ADP
gujaf-144	10	8	board	board	NOUN
gujaf-144	10	9	should	should	AUX
gujaf-144	10	10	pursue	pursue	VERB
gujaf-144	10	11	increased	increased	ADJ
gujaf-144	10	12	capital	capital	NOUN
gujaf-144	10	13	with	with	ADP
gujaf-144	10	14	the	the	DET
gujaf-144	10	15	central	central	ADJ
gujaf-144	10	16	bank	bank	PROPN
gujaf-144	10	17	of	of	ADP
gujaf-144	10	18	nigeria	nigeria	PROPN
gujaf-144	10	19	and	and	CCONJ
gujaf-144	10	20	the	the	DET
gujaf-144	10	21	cbn	cbn	PROPN
gujaf-144	10	22	should	should	AUX
gujaf-144	10	23	also	also	ADV
gujaf-144	10	24	make	make	VERB
gujaf-144	10	25	sure	sure	ADJ
gujaf-144	10	26	that	that	SCONJ
gujaf-144	10	27	banks	bank	NOUN
gujaf-144	10	28	met	meet	VERB
gujaf-144	10	29	and	and	CCONJ
gujaf-144	10	30	continually	continually	ADV
gujaf-144	10	31	meet	meet	VERB
gujaf-144	10	32	the	the	DET
gujaf-144	10	33	requirements	requirement	NOUN
gujaf-144	10	34	in	in	ADP
gujaf-144	10	35	respect	respect	NOUN
gujaf-144	10	36	of	of	ADP
gujaf-144	10	37	capital	capital	NOUN
gujaf-144	10	38	adequacy	adequacy	NOUN
gujaf-144	10	39	before	before	ADP
gujaf-144	10	40	giving	give	VERB
gujaf-144	10	41	the	the	DET
gujaf-144	10	42	license	license	NOUN
gujaf-144	10	43	to	to	PART
gujaf-144	10	44	operate	operate	VERB
gujaf-144	10	45	.	.	PUNCT
gujaf-144	11	1	the	the	DET
gujaf-144	11	2	management	management	NOUN
gujaf-144	11	3	of	of	ADP
gujaf-144	11	4	the	the	DET
gujaf-144	11	5	banks	bank	NOUN
gujaf-144	11	6	should	should	AUX
gujaf-144	11	7	ensure	ensure	VERB
gujaf-144	11	8	that	that	SCONJ
gujaf-144	11	9	most	most	ADJ
gujaf-144	11	10	idle	idle	ADJ
gujaf-144	11	11	cash	cash	NOUN
gujaf-144	11	12	are	be	AUX
gujaf-144	11	13	investment	investment	NOUN
gujaf-144	11	14	into	into	ADP
gujaf-144	11	15	short	short	ADJ
gujaf-144	11	16	term	term	NOUN
gujaf-144	11	17	portfolios	portfolio	NOUN
gujaf-144	11	18	to	to	PART
gujaf-144	11	19	attract	attract	VERB
gujaf-144	11	20	higher	high	ADJ
gujaf-144	11	21	returns	return	NOUN
gujaf-144	11	22	which	which	PRON
gujaf-144	11	23	will	will	AUX
gujaf-144	11	24	eventually	eventually	ADV
gujaf-144	11	25	increase	increase	VERB
gujaf-144	11	26	the	the	DET
gujaf-144	11	27	value	value	NOUN
gujaf-144	11	28	of	of	ADP
gujaf-144	11	29	the	the	DET
gujaf-144	11	30	banks	bank	NOUN
gujaf-144	11	31	.	.	PUNCT
gujaf-144	12	1	keywords	keyword	NOUN
gujaf-144	12	2	:	:	PUNCT
gujaf-144	12	3	financial	financial	ADJ
gujaf-144	12	4	performance	performance	NOUN
gujaf-144	12	5	,	,	PUNCT
gujaf-144	12	6	liquidity	liquidity	NOUN
gujaf-144	12	7	,	,	PUNCT
gujaf-144	12	8	shiftability	shiftability	NOUN
gujaf-144	12	9	theory	theory	NOUN
gujaf-144	12	10	,	,	PUNCT
gujaf-144	12	11	capital	capital	NOUN
gujaf-144	12	12	adequacy	adequacy	NOUN
gujaf-144	12	13	1	1	NUM
gujaf-144	12	14	.	.	PUNCT
gujaf-144	12	15	introduction	introduction	NOUN
gujaf-144	12	16	the	the	DET
gujaf-144	12	17	world	world	NOUN
gujaf-144	12	18	nowadays	nowadays	ADV
gujaf-144	12	19	has	have	AUX
gujaf-144	12	20	changed	change	VERB
gujaf-144	12	21	due	due	ADP
gujaf-144	12	22	to	to	ADP
gujaf-144	12	23	the	the	DET
gujaf-144	12	24	growing	grow	VERB
gujaf-144	12	25	aim	aim	NOUN
gujaf-144	12	26	of	of	ADP
gujaf-144	12	27	companies	company	NOUN
gujaf-144	12	28	to	to	PART
gujaf-144	12	29	maximize	maximize	VERB
gujaf-144	12	30	profit	profit	NOUN
gujaf-144	12	31	to	to	PART
gujaf-144	12	32	improve	improve	VERB
gujaf-144	12	33	the	the	DET
gujaf-144	12	34	value	value	NOUN
gujaf-144	12	35	of	of	ADP
gujaf-144	12	36	their	their	PRON
gujaf-144	12	37	firm	firm	NOUN
gujaf-144	12	38	,	,	PUNCT
gujaf-144	12	39	preserving	preserve	VERB
gujaf-144	12	40	high	high	ADJ
gujaf-144	12	41	liquidity	liquidity	NOUN
gujaf-144	12	42	level	level	NOUN
gujaf-144	12	43	to	to	PART
gujaf-144	12	44	attain	attain	VERB
gujaf-144	12	45	the	the	DET
gujaf-144	12	46	highest	high	ADJ
gujaf-144	12	47	level	level	NOUN
gujaf-144	12	48	of	of	ADP
gujaf-144	12	49	net	net	ADJ
gujaf-144	12	50	worth	worth	NOUN
gujaf-144	12	51	for	for	ADP
gujaf-144	12	52	the	the	DET
gujaf-144	12	53	shareholders	shareholder	NOUN
gujaf-144	12	54	of	of	ADP
gujaf-144	12	55	the	the	DET
gujaf-144	12	56	organization	organization	NOUN
gujaf-144	12	57	,	,	PUNCT
gujaf-144	12	58	together	together	ADV
gujaf-144	12	59	with	with	ADP
gujaf-144	12	60	the	the	DET
gujaf-144	12	61	achievement	achievement	NOUN
gujaf-144	12	62	of	of	ADP
gujaf-144	12	63	other	other	ADJ
gujaf-144	12	64	aims	aim	NOUN
gujaf-144	12	65	and	and	CCONJ
gujaf-144	12	66	objectives	objective	NOUN
gujaf-144	12	67	.	.	PUNCT
gujaf-144	13	1	therefore	therefore	ADV
gujaf-144	13	2	,	,	PUNCT
gujaf-144	13	3	the	the	DET
gujaf-144	13	4	liquidity	liquidity	NOUN
gujaf-144	13	5	mailto:dimulk@yahoo.com	mailto:dimulk@yahoo.com	X
gujaf-144	13	6	mailto:samagbi@yahoo.com	mailto:samagbi@yahoo.com	X
gujaf-144	13	7	2	2	NUM
gujaf-144	13	8	management	management	NOUN
gujaf-144	13	9	in	in	ADP
gujaf-144	13	10	an	an	DET
gujaf-144	13	11	organization	organization	NOUN
gujaf-144	13	12	is	be	AUX
gujaf-144	13	13	very	very	ADV
gujaf-144	13	14	important	important	ADJ
gujaf-144	13	15	due	due	ADP
gujaf-144	13	16	to	to	ADP
gujaf-144	13	17	the	the	DET
gujaf-144	13	18	role	role	NOUN
gujaf-144	13	19	it	it	PRON
gujaf-144	13	20	plays	play	VERB
gujaf-144	13	21	in	in	ADP
gujaf-144	13	22	their	their	PRON
gujaf-144	13	23	success	success	NOUN
gujaf-144	13	24	.	.	PUNCT
gujaf-144	14	1	liquidity	liquidity	NOUN
gujaf-144	14	2	management	management	NOUN
gujaf-144	14	3	is	be	AUX
gujaf-144	14	4	very	very	ADV
gujaf-144	14	5	critical	critical	ADJ
gujaf-144	14	6	to	to	ADP
gujaf-144	14	7	the	the	DET
gujaf-144	14	8	survival	survival	NOUN
gujaf-144	14	9	and	and	CCONJ
gujaf-144	14	10	growth	growth	NOUN
gujaf-144	14	11	of	of	ADP
gujaf-144	14	12	any	any	DET
gujaf-144	14	13	financial	financial	ADJ
gujaf-144	14	14	system	system	NOUN
gujaf-144	14	15	.	.	PUNCT
gujaf-144	15	1	numerous	numerous	ADJ
gujaf-144	15	2	studies	study	NOUN
gujaf-144	15	3	have	have	AUX
gujaf-144	15	4	been	be	AUX
gujaf-144	15	5	conducted	conduct	VERB
gujaf-144	15	6	on	on	ADP
gujaf-144	15	7	this	this	DET
gujaf-144	15	8	concept	concept	NOUN
gujaf-144	15	9	in	in	ADP
gujaf-144	15	10	some	some	DET
gujaf-144	15	11	organizations	organization	NOUN
gujaf-144	15	12	over	over	ADP
gujaf-144	15	13	the	the	DET
gujaf-144	15	14	years	year	NOUN
gujaf-144	15	15	,	,	PUNCT
gujaf-144	15	16	therefore	therefore	ADV
gujaf-144	15	17	its	its	PRON
gujaf-144	15	18	importance	importance	NOUN
gujaf-144	15	19	can	can	AUX
gujaf-144	15	20	not	not	PART
gujaf-144	15	21	be	be	AUX
gujaf-144	15	22	overemphasized	overemphasize	VERB
gujaf-144	15	23	in	in	ADP
gujaf-144	15	24	terms	term	NOUN
gujaf-144	15	25	of	of	ADP
gujaf-144	15	26	the	the	DET
gujaf-144	15	27	baking	baking	NOUN
gujaf-144	15	28	sector	sector	NOUN
gujaf-144	15	29	particularly	particularly	ADV
gujaf-144	15	30	the	the	DET
gujaf-144	15	31	deposit	deposit	NOUN
gujaf-144	15	32	money	money	NOUN
gujaf-144	15	33	banks	bank	NOUN
gujaf-144	15	34	in	in	ADP
gujaf-144	15	35	nigeria	nigeria	PROPN
gujaf-144	15	36	.	.	PUNCT
gujaf-144	16	1	the	the	DET
gujaf-144	16	2	significance	significance	NOUN
gujaf-144	16	3	of	of	ADP
gujaf-144	16	4	having	have	VERB
gujaf-144	16	5	effective	effective	ADJ
gujaf-144	16	6	liquidity	liquidity	NOUN
gujaf-144	16	7	management	management	NOUN
gujaf-144	16	8	can	can	AUX
gujaf-144	16	9	not	not	PART
gujaf-144	16	10	be	be	AUX
gujaf-144	16	11	overemphasized	overemphasize	VERB
gujaf-144	16	12	when	when	SCONJ
gujaf-144	16	13	it	it	PRON
gujaf-144	16	14	comes	come	VERB
gujaf-144	16	15	to	to	ADP
gujaf-144	16	16	financial	financial	ADJ
gujaf-144	16	17	systems	system	NOUN
gujaf-144	16	18	like	like	ADP
gujaf-144	16	19	deposit	deposit	NOUN
gujaf-144	16	20	money	money	NOUN
gujaf-144	16	21	banks	bank	NOUN
gujaf-144	16	22	.	.	PUNCT
gujaf-144	17	1	the	the	DET
gujaf-144	17	2	importance	importance	NOUN
gujaf-144	17	3	of	of	ADP
gujaf-144	17	4	liquidity	liquidity	NOUN
gujaf-144	17	5	management	management	NOUN
gujaf-144	17	6	came	come	VERB
gujaf-144	17	7	about	about	ADP
gujaf-144	17	8	during	during	ADP
gujaf-144	17	9	the	the	DET
gujaf-144	17	10	global	global	ADJ
gujaf-144	17	11	financial	financial	ADJ
gujaf-144	17	12	crisis	crisis	NOUN
gujaf-144	17	13	of	of	ADP
gujaf-144	17	14	2007	2007	NUM
gujaf-144	17	15	through	through	ADP
gujaf-144	17	16	2008	2008	NUM
gujaf-144	17	17	,	,	PUNCT
gujaf-144	17	18	when	when	SCONJ
gujaf-144	17	19	the	the	DET
gujaf-144	17	20	banking	banking	NOUN
gujaf-144	17	21	industry	industry	NOUN
gujaf-144	17	22	was	be	AUX
gujaf-144	17	23	affected	affect	VERB
gujaf-144	17	24	by	by	ADP
gujaf-144	17	25	serious	serious	ADJ
gujaf-144	17	26	liquidity	liquidity	NOUN
gujaf-144	17	27	strain	strain	NOUN
gujaf-144	17	28	.	.	PUNCT
gujaf-144	18	1	the	the	DET
gujaf-144	18	2	global	global	ADJ
gujaf-144	18	3	financial	financial	ADJ
gujaf-144	18	4	crisis	crisis	NOUN
gujaf-144	18	5	revealed	reveal	VERB
gujaf-144	18	6	the	the	DET
gujaf-144	18	7	fact	fact	NOUN
gujaf-144	18	8	that	that	SCONJ
gujaf-144	18	9	liquidity	liquidity	NOUN
gujaf-144	18	10	can	can	AUX
gujaf-144	18	11	disappear	disappear	VERB
gujaf-144	18	12	in	in	ADP
gujaf-144	18	13	a	a	DET
gujaf-144	18	14	thin	thin	ADJ
gujaf-144	18	15	air	air	NOUN
gujaf-144	18	16	like	like	ADP
gujaf-144	18	17	a	a	DET
gujaf-144	18	18	mirage	mirage	NOUN
gujaf-144	18	19	;	;	PUNCT
gujaf-144	18	20	so	so	ADV
gujaf-144	18	21	also	also	ADV
gujaf-144	18	22	,	,	PUNCT
gujaf-144	18	23	it	it	PRON
gujaf-144	18	24	can	can	AUX
gujaf-144	18	25	stay	stay	VERB
gujaf-144	18	26	for	for	ADP
gujaf-144	18	27	a	a	DET
gujaf-144	18	28	longer	long	ADJ
gujaf-144	18	29	time	time	NOUN
gujaf-144	18	30	(	(	PUNCT
gujaf-144	18	31	terseer	terseer	NOUN
gujaf-144	18	32	,	,	PUNCT
gujaf-144	18	33	henry	henry	PROPN
gujaf-144	18	34	,	,	PUNCT
gujaf-144	18	35	&	&	CCONJ
gujaf-144	18	36	mkuma	mkuma	PROPN
gujaf-144	18	37	,	,	PUNCT
gujaf-144	18	38	2010	2010	NUM
gujaf-144	18	39	)	)	PUNCT
gujaf-144	18	40	.	.	PUNCT
gujaf-144	19	1	liquidity	liquidity	NOUN
gujaf-144	19	2	management	management	NOUN
gujaf-144	19	3	in	in	ADP
gujaf-144	19	4	all	all	DET
gujaf-144	19	5	organizations	organization	NOUN
gujaf-144	19	6	is	be	AUX
gujaf-144	19	7	their	their	PRON
gujaf-144	19	8	ability	ability	NOUN
gujaf-144	19	9	to	to	PART
gujaf-144	19	10	effectively	effectively	ADV
gujaf-144	19	11	convert	convert	VERB
gujaf-144	19	12	current	current	ADJ
gujaf-144	19	13	business	business	NOUN
gujaf-144	19	14	assets	asset	NOUN
gujaf-144	19	15	to	to	AUX
gujaf-144	19	16	cash	cash	VERB
gujaf-144	19	17	.	.	PUNCT
gujaf-144	20	1	cash	cash	NOUN
gujaf-144	20	2	is	be	AUX
gujaf-144	20	3	usually	usually	ADV
gujaf-144	20	4	considered	consider	VERB
gujaf-144	20	5	very	very	ADV
gujaf-144	20	6	important	important	ADJ
gujaf-144	20	7	in	in	ADP
gujaf-144	20	8	any	any	DET
gujaf-144	20	9	intuition	intuition	NOUN
gujaf-144	20	10	because	because	SCONJ
gujaf-144	20	11	it	it	PRON
gujaf-144	20	12	ensures	ensure	VERB
gujaf-144	20	13	that	that	SCONJ
gujaf-144	20	14	business	business	NOUN
gujaf-144	20	15	components	component	NOUN
gujaf-144	20	16	are	be	AUX
gujaf-144	20	17	sustained	sustain	VERB
gujaf-144	20	18	(	(	PUNCT
gujaf-144	20	19	patjoshi	patjoshi	NOUN
gujaf-144	20	20	,	,	PUNCT
gujaf-144	20	21	2016	2016	NUM
gujaf-144	20	22	)	)	PUNCT
gujaf-144	20	23	.	.	PUNCT
gujaf-144	21	1	on	on	ADP
gujaf-144	21	2	the	the	DET
gujaf-144	21	3	other	other	ADJ
gujaf-144	21	4	hand	hand	NOUN
gujaf-144	21	5	,	,	PUNCT
gujaf-144	21	6	liquidity	liquidity	NOUN
gujaf-144	21	7	in	in	ADP
gujaf-144	21	8	banking	banking	NOUN
gujaf-144	21	9	is	be	AUX
gujaf-144	21	10	the	the	DET
gujaf-144	21	11	ability	ability	NOUN
gujaf-144	21	12	of	of	ADP
gujaf-144	21	13	a	a	DET
gujaf-144	21	14	bank	bank	NOUN
gujaf-144	21	15	to	to	PART
gujaf-144	21	16	make	make	VERB
gujaf-144	21	17	funds	fund	NOUN
gujaf-144	21	18	that	that	PRON
gujaf-144	21	19	can	can	AUX
gujaf-144	21	20	be	be	AUX
gujaf-144	21	21	used	use	VERB
gujaf-144	21	22	to	to	PART
gujaf-144	21	23	pay	pay	VERB
gujaf-144	21	24	for	for	ADP
gujaf-144	21	25	obligation	obligation	NOUN
gujaf-144	21	26	as	as	SCONJ
gujaf-144	21	27	it	it	PRON
gujaf-144	21	28	progressively	progressively	ADV
gujaf-144	21	29	becomes	become	VERB
gujaf-144	21	30	due	due	ADJ
gujaf-144	21	31	(	(	PUNCT
gujaf-144	21	32	onyekwelu	onyekwelu	PROPN
gujaf-144	21	33	,	,	PUNCT
gujaf-144	21	34	chukwuani	chukwuani	NOUN
gujaf-144	21	35	,	,	PUNCT
gujaf-144	21	36	&	&	CCONJ
gujaf-144	21	37	onyeka	onyeka	PROPN
gujaf-144	21	38	,	,	PUNCT
gujaf-144	21	39	2018	2018	NUM
gujaf-144	21	40	)	)	PUNCT
gujaf-144	21	41	.	.	PUNCT
gujaf-144	22	1	if	if	SCONJ
gujaf-144	22	2	working	working	NOUN
gujaf-144	22	3	capital	capital	NOUN
gujaf-144	22	4	is	be	AUX
gujaf-144	22	5	managed	manage	VERB
gujaf-144	22	6	properly	properly	ADV
gujaf-144	22	7	in	in	ADP
gujaf-144	22	8	any	any	DET
gujaf-144	22	9	organization	organization	NOUN
gujaf-144	22	10	,	,	PUNCT
gujaf-144	22	11	it	it	PRON
gujaf-144	22	12	makes	make	VERB
gujaf-144	22	13	it	it	PRON
gujaf-144	22	14	easy	easy	ADJ
gujaf-144	22	15	to	to	PART
gujaf-144	22	16	maintain	maintain	VERB
gujaf-144	22	17	liquidity	liquidity	NOUN
gujaf-144	22	18	which	which	PRON
gujaf-144	22	19	guarantees	guarantee	VERB
gujaf-144	22	20	daily	daily	ADJ
gujaf-144	22	21	operation	operation	NOUN
gujaf-144	22	22	and	and	CCONJ
gujaf-144	22	23	meeting	meeting	NOUN
gujaf-144	22	24	of	of	ADP
gujaf-144	22	25	business	business	NOUN
gujaf-144	22	26	obligations	obligation	NOUN
gujaf-144	22	27	without	without	ADP
gujaf-144	22	28	any	any	DET
gujaf-144	22	29	hindrance	hindrance	NOUN
gujaf-144	22	30	(	(	PUNCT
gujaf-144	22	31	ibe	ibe	PROPN
gujaf-144	22	32	,	,	PUNCT
gujaf-144	22	33	2013	2013	NUM
gujaf-144	22	34	)	)	PUNCT
gujaf-144	22	35	.	.	PUNCT
gujaf-144	23	1	one	one	NUM
gujaf-144	23	2	of	of	ADP
gujaf-144	23	3	the	the	DET
gujaf-144	23	4	major	major	ADJ
gujaf-144	23	5	challenges	challenge	NOUN
gujaf-144	23	6	affecting	affect	VERB
gujaf-144	23	7	the	the	DET
gujaf-144	23	8	continuous	continuous	ADJ
gujaf-144	23	9	survival	survival	NOUN
gujaf-144	23	10	of	of	ADP
gujaf-144	23	11	many	many	ADJ
gujaf-144	23	12	businesses	business	NOUN
gujaf-144	23	13	or	or	CCONJ
gujaf-144	23	14	financial	financial	ADJ
gujaf-144	23	15	organizations	organization	NOUN
gujaf-144	23	16	is	be	AUX
gujaf-144	23	17	credit	credit	NOUN
gujaf-144	23	18	risk	risk	NOUN
gujaf-144	23	19	.	.	PUNCT
gujaf-144	24	1	the	the	DET
gujaf-144	24	2	likelihood	likelihood	NOUN
gujaf-144	24	3	that	that	SCONJ
gujaf-144	24	4	the	the	DET
gujaf-144	24	5	credit	credit	NOUN
gujaf-144	24	6	clients	client	NOUN
gujaf-144	24	7	of	of	ADP
gujaf-144	24	8	a	a	DET
gujaf-144	24	9	bank	bank	NOUN
gujaf-144	24	10	whether	whether	SCONJ
gujaf-144	24	11	in	in	ADP
gujaf-144	24	12	organization	organization	NOUN
gujaf-144	24	13	or	or	CCONJ
gujaf-144	24	14	person	person	NOUN
gujaf-144	24	15	will	will	AUX
gujaf-144	24	16	not	not	PART
gujaf-144	24	17	meet	meet	VERB
gujaf-144	24	18	up	up	ADP
gujaf-144	24	19	with	with	ADP
gujaf-144	24	20	payment	payment	NOUN
gujaf-144	24	21	of	of	ADP
gujaf-144	24	22	loan	loan	NOUN
gujaf-144	24	23	as	as	SCONJ
gujaf-144	24	24	it	it	PRON
gujaf-144	24	25	gets	get	VERB
gujaf-144	24	26	due	due	ADJ
gujaf-144	24	27	is	be	AUX
gujaf-144	24	28	referred	refer	VERB
gujaf-144	24	29	to	to	ADP
gujaf-144	24	30	as	as	ADP
gujaf-144	24	31	credit	credit	NOUN
gujaf-144	24	32	risk	risk	NOUN
gujaf-144	24	33	.	.	PUNCT
gujaf-144	25	1	credit	credit	NOUN
gujaf-144	25	2	risk	risk	NOUN
gujaf-144	25	3	can	can	AUX
gujaf-144	25	4	also	also	ADV
gujaf-144	25	5	be	be	AUX
gujaf-144	25	6	referred	refer	VERB
gujaf-144	25	7	to	to	ADP
gujaf-144	25	8	as	as	ADP
gujaf-144	25	9	“	"	PUNCT
gujaf-144	25	10	the	the	DET
gujaf-144	25	11	risk	risk	NOUN
gujaf-144	25	12	of	of	ADP
gujaf-144	25	13	default	default	NOUN
gujaf-144	25	14	”	"	PUNCT
gujaf-144	25	15	(	(	PUNCT
gujaf-144	25	16	gambo	gambo	PROPN
gujaf-144	25	17	,	,	PUNCT
gujaf-144	25	18	bambale	bambale	NOUN
gujaf-144	25	19	,	,	PUNCT
gujaf-144	25	20	ibrahim	ibrahim	PROPN
gujaf-144	25	21	,	,	PUNCT
gujaf-144	25	22	&	&	CCONJ
gujaf-144	25	23	sulaiman	sulaiman	PROPN
gujaf-144	25	24	,	,	PUNCT
gujaf-144	25	25	2019	2019	NUM
gujaf-144	25	26	)	)	PUNCT
gujaf-144	25	27	.	.	PUNCT
gujaf-144	26	1	banks	bank	NOUN
gujaf-144	26	2	can	can	AUX
gujaf-144	26	3	fall	fall	VERB
gujaf-144	26	4	into	into	ADP
gujaf-144	26	5	loan	loan	NOUN
gujaf-144	26	6	default	default	NOUN
gujaf-144	26	7	when	when	SCONJ
gujaf-144	26	8	they	they	PRON
gujaf-144	26	9	give	give	VERB
gujaf-144	26	10	out	out	ADP
gujaf-144	26	11	credit	credit	NOUN
gujaf-144	26	12	and	and	CCONJ
gujaf-144	26	13	do	do	AUX
gujaf-144	26	14	n’t	not	PART
gujaf-144	26	15	monitor	monitor	VERB
gujaf-144	26	16	it	it	PRON
gujaf-144	26	17	,	,	PUNCT
gujaf-144	26	18	to	to	PART
gujaf-144	26	19	ensure	ensure	VERB
gujaf-144	26	20	that	that	PRON
gujaf-144	26	21	is	be	AUX
gujaf-144	26	22	paid	pay	VERB
gujaf-144	26	23	back	back	ADV
gujaf-144	26	24	.	.	PUNCT
gujaf-144	27	1	banks	bank	NOUN
gujaf-144	27	2	mainly	mainly	ADV
gujaf-144	27	3	make	make	VERB
gujaf-144	27	4	use	use	NOUN
gujaf-144	27	5	of	of	ADP
gujaf-144	27	6	money	money	NOUN
gujaf-144	27	7	deposits	deposit	NOUN
gujaf-144	27	8	to	to	PART
gujaf-144	27	9	create	create	VERB
gujaf-144	27	10	loans	loan	NOUN
gujaf-144	27	11	for	for	ADP
gujaf-144	27	12	borrowers	borrower	NOUN
gujaf-144	27	13	.	.	PUNCT
gujaf-144	28	1	if	if	SCONJ
gujaf-144	28	2	these	these	DET
gujaf-144	28	3	loans	loan	NOUN
gujaf-144	28	4	go	go	VERB
gujaf-144	28	5	to	to	ADP
gujaf-144	28	6	default	default	NOUN
gujaf-144	28	7	,	,	PUNCT
gujaf-144	28	8	the	the	DET
gujaf-144	28	9	banks	bank	NOUN
gujaf-144	28	10	are	be	AUX
gujaf-144	28	11	exposed	expose	VERB
gujaf-144	28	12	to	to	AUX
gujaf-144	28	13	default	default	NOUN
gujaf-144	28	14	risk	risk	NOUN
gujaf-144	28	15	which	which	PRON
gujaf-144	28	16	can	can	AUX
gujaf-144	28	17	lead	lead	VERB
gujaf-144	28	18	to	to	ADP
gujaf-144	28	19	financial	financial	ADJ
gujaf-144	28	20	crisis	crisis	NOUN
gujaf-144	28	21	(	(	PUNCT
gujaf-144	28	22	nwude	nwude	PROPN
gujaf-144	28	23	&	&	CCONJ
gujaf-144	28	24	okeke	okeke	ADJ
gujaf-144	28	25	,	,	PUNCT
gujaf-144	28	26	2018	2018	NUM
gujaf-144	28	27	)	)	PUNCT
gujaf-144	28	28	.	.	PUNCT
gujaf-144	29	1	proper	proper	ADJ
gujaf-144	29	2	management	management	NOUN
gujaf-144	29	3	of	of	ADP
gujaf-144	29	4	credit	credit	NOUN
gujaf-144	29	5	risk	risk	NOUN
gujaf-144	29	6	through	through	ADP
gujaf-144	29	7	its	its	PRON
gujaf-144	29	8	careful	careful	ADJ
gujaf-144	29	9	assessment	assessment	NOUN
gujaf-144	29	10	and	and	CCONJ
gujaf-144	29	11	weighing	weighing	NOUN
gujaf-144	29	12	can	can	AUX
gujaf-144	29	13	reduce	reduce	VERB
gujaf-144	29	14	the	the	DET
gujaf-144	29	15	negative	negative	ADJ
gujaf-144	29	16	it	it	PRON
gujaf-144	29	17	might	might	AUX
gujaf-144	29	18	have	have	VERB
gujaf-144	29	19	on	on	ADP
gujaf-144	29	20	the	the	DET
gujaf-144	29	21	performance	performance	NOUN
gujaf-144	29	22	of	of	ADP
gujaf-144	29	23	an	an	DET
gujaf-144	29	24	organization	organization	NOUN
gujaf-144	29	25	.	.	PUNCT
gujaf-144	30	1	so	so	ADV
gujaf-144	30	2	also	also	ADV
gujaf-144	30	3	,	,	PUNCT
gujaf-144	30	4	effective	effective	ADJ
gujaf-144	30	5	credit	credit	NOUN
gujaf-144	30	6	management	management	NOUN
gujaf-144	30	7	serves	serve	VERB
gujaf-144	30	8	as	as	ADP
gujaf-144	30	9	source	source	NOUN
gujaf-144	30	10	of	of	ADP
gujaf-144	30	11	income	income	NOUN
gujaf-144	30	12	for	for	ADP
gujaf-144	30	13	banks	bank	NOUN
gujaf-144	30	14	and	and	CCONJ
gujaf-144	30	15	when	when	SCONJ
gujaf-144	30	16	it	it	PRON
gujaf-144	30	17	managed	manage	VERB
gujaf-144	30	18	properly	properly	ADV
gujaf-144	30	19	it	it	PRON
gujaf-144	30	20	leads	lead	VERB
gujaf-144	30	21	to	to	ADP
gujaf-144	30	22	their	their	PRON
gujaf-144	30	23	survival	survival	NOUN
gujaf-144	30	24	and	and	CCONJ
gujaf-144	30	25	robust	robust	ADJ
gujaf-144	30	26	growth	growth	NOUN
gujaf-144	30	27	.	.	PUNCT
gujaf-144	31	1	though	though	ADV
gujaf-144	31	2	,	,	PUNCT
gujaf-144	31	3	credit	credit	NOUN
gujaf-144	31	4	risk	risk	NOUN
gujaf-144	31	5	plays	play	VERB
gujaf-144	31	6	a	a	DET
gujaf-144	31	7	vital	vital	ADJ
gujaf-144	31	8	role	role	NOUN
gujaf-144	31	9	on	on	ADP
gujaf-144	31	10	the	the	DET
gujaf-144	31	11	growth	growth	NOUN
gujaf-144	31	12	of	of	ADP
gujaf-144	31	13	commercial	commercial	ADJ
gujaf-144	31	14	banks	bank	NOUN
gujaf-144	31	15	because	because	SCONJ
gujaf-144	31	16	it	it	PRON
gujaf-144	31	17	accounts	account	VERB
gujaf-144	31	18	for	for	ADP
gujaf-144	31	19	a	a	DET
gujaf-144	31	20	large	large	ADJ
gujaf-144	31	21	portion	portion	NOUN
gujaf-144	31	22	of	of	ADP
gujaf-144	31	23	its	its	PRON
gujaf-144	31	24	profits	profit	NOUN
gujaf-144	31	25	through	through	ADP
gujaf-144	31	26	the	the	DET
gujaf-144	31	27	interest	interest	NOUN
gujaf-144	31	28	rates	rate	NOUN
gujaf-144	31	29	being	be	AUX
gujaf-144	31	30	charged	charge	VERB
gujaf-144	31	31	form	form	VERB
gujaf-144	31	32	the	the	DET
gujaf-144	31	33	loans	loan	NOUN
gujaf-144	31	34	granted	grant	VERB
gujaf-144	31	35	.	.	PUNCT
gujaf-144	32	1	however	however	ADV
gujaf-144	32	2	,	,	PUNCT
gujaf-144	32	3	the	the	DET
gujaf-144	32	4	interest	interest	NOUN
gujaf-144	32	5	can	can	AUX
gujaf-144	32	6	be	be	AUX
gujaf-144	32	7	linked	link	VERB
gujaf-144	32	8	directly	directly	ADV
gujaf-144	32	9	to	to	ADP
gujaf-144	32	10	credit	credit	NOUN
gujaf-144	32	11	risk	risk	NOUN
gujaf-144	32	12	;	;	PUNCT
gujaf-144	32	13	this	this	PRON
gujaf-144	32	14	means	mean	VERB
gujaf-144	32	15	that	that	SCONJ
gujaf-144	32	16	when	when	SCONJ
gujaf-144	32	17	interest	interest	NOUN
gujaf-144	32	18	rate	rate	NOUN
gujaf-144	32	19	is	be	AUX
gujaf-144	32	20	higher	high	ADJ
gujaf-144	32	21	it	it	PRON
gujaf-144	32	22	can	can	AUX
gujaf-144	32	23	lead	lead	VERB
gujaf-144	32	24	to	to	ADP
gujaf-144	32	25	nonpayment	nonpayment	NOUN
gujaf-144	32	26	of	of	ADP
gujaf-144	32	27	loan	loan	NOUN
gujaf-144	32	28	.	.	PUNCT
gujaf-144	33	1	3	3	NUM
gujaf-144	33	2	again	again	ADV
gujaf-144	33	3	,	,	PUNCT
gujaf-144	33	4	the	the	DET
gujaf-144	33	5	main	main	ADJ
gujaf-144	33	6	aim	aim	NOUN
gujaf-144	33	7	of	of	ADP
gujaf-144	33	8	listed	list	VERB
gujaf-144	33	9	deposit	deposit	NOUN
gujaf-144	33	10	money	money	NOUN
gujaf-144	33	11	banks	bank	NOUN
gujaf-144	33	12	of	of	ADP
gujaf-144	33	13	maximizing	maximize	VERB
gujaf-144	33	14	profit	profit	NOUN
gujaf-144	33	15	is	be	AUX
gujaf-144	33	16	to	to	PART
gujaf-144	33	17	is	be	AUX
gujaf-144	33	18	to	to	PART
gujaf-144	33	19	enable	enable	VERB
gujaf-144	33	20	them	they	PRON
gujaf-144	33	21	accept	accept	VERB
gujaf-144	33	22	cash	cash	NOUN
gujaf-144	33	23	from	from	ADP
gujaf-144	33	24	customers	customer	NOUN
gujaf-144	33	25	such	such	ADJ
gujaf-144	33	26	as	as	ADP
gujaf-144	33	27	deposit	deposit	NOUN
gujaf-144	33	28	to	to	PART
gujaf-144	33	29	give	give	VERB
gujaf-144	33	30	it	it	PRON
gujaf-144	33	31	out	out	ADP
gujaf-144	33	32	as	as	ADP
gujaf-144	33	33	credit	credit	NOUN
gujaf-144	33	34	.	.	PUNCT
gujaf-144	34	1	when	when	SCONJ
gujaf-144	34	2	there	there	PRON
gujaf-144	34	3	is	be	VERB
gujaf-144	34	4	increase	increase	NOUN
gujaf-144	34	5	in	in	ADP
gujaf-144	34	6	the	the	DET
gujaf-144	34	7	amount	amount	NOUN
gujaf-144	34	8	of	of	ADP
gujaf-144	34	9	credits	credit	NOUN
gujaf-144	34	10	borrowed	borrow	VERB
gujaf-144	34	11	out	out	ADP
gujaf-144	34	12	to	to	ADP
gujaf-144	34	13	customers	customer	NOUN
gujaf-144	34	14	who	who	PRON
gujaf-144	34	15	in	in	ADP
gujaf-144	34	16	turn	turn	NOUN
gujaf-144	34	17	refuse	refuse	VERB
gujaf-144	34	18	to	to	PART
gujaf-144	34	19	pay	pay	VERB
gujaf-144	34	20	,	,	PUNCT
gujaf-144	34	21	it	it	PRON
gujaf-144	34	22	might	might	AUX
gujaf-144	34	23	affect	affect	VERB
gujaf-144	34	24	the	the	DET
gujaf-144	34	25	cash	cash	NOUN
gujaf-144	34	26	balance	balance	NOUN
gujaf-144	34	27	of	of	ADP
gujaf-144	34	28	the	the	DET
gujaf-144	34	29	bank	bank	NOUN
gujaf-144	34	30	by	by	ADP
gujaf-144	34	31	resulting	result	VERB
gujaf-144	34	32	in	in	ADP
gujaf-144	34	33	a	a	DET
gujaf-144	34	34	decrease	decrease	NOUN
gujaf-144	34	35	which	which	PRON
gujaf-144	34	36	can	can	AUX
gujaf-144	34	37	weaken	weaken	VERB
gujaf-144	34	38	liquidity	liquidity	NOUN
gujaf-144	34	39	level	level	NOUN
gujaf-144	34	40	.	.	PUNCT
gujaf-144	35	1	therefore	therefore	ADV
gujaf-144	35	2	,	,	PUNCT
gujaf-144	35	3	attaining	attain	VERB
gujaf-144	35	4	balance	balance	NOUN
gujaf-144	35	5	between	between	ADP
gujaf-144	35	6	liquidity	liquidity	NOUN
gujaf-144	35	7	and	and	CCONJ
gujaf-144	35	8	credit	credit	NOUN
gujaf-144	35	9	risk	risk	NOUN
gujaf-144	35	10	is	be	AUX
gujaf-144	35	11	of	of	ADP
gujaf-144	35	12	major	major	ADJ
gujaf-144	35	13	importance	importance	NOUN
gujaf-144	35	14	.	.	PUNCT
gujaf-144	36	1	when	when	SCONJ
gujaf-144	36	2	banking	banking	NOUN
gujaf-144	36	3	sector	sector	NOUN
gujaf-144	36	4	is	be	AUX
gujaf-144	36	5	performing	perform	VERB
gujaf-144	36	6	well	well	ADV
gujaf-144	36	7	financially	financially	ADV
gujaf-144	36	8	in	in	ADP
gujaf-144	36	9	any	any	DET
gujaf-144	36	10	economy	economy	NOUN
gujaf-144	36	11	,	,	PUNCT
gujaf-144	36	12	it	it	PRON
gujaf-144	36	13	promotes	promote	VERB
gujaf-144	36	14	growth	growth	NOUN
gujaf-144	36	15	and	and	CCONJ
gujaf-144	36	16	development	development	NOUN
gujaf-144	36	17	in	in	ADP
gujaf-144	36	18	that	that	DET
gujaf-144	36	19	economy	economy	NOUN
gujaf-144	36	20	.	.	PUNCT
gujaf-144	37	1	any	any	DET
gujaf-144	37	2	financial	financial	ADJ
gujaf-144	37	3	institution	institution	NOUN
gujaf-144	37	4	that	that	PRON
gujaf-144	37	5	is	be	AUX
gujaf-144	37	6	strong	strong	ADJ
gujaf-144	37	7	financially	financially	ADV
gujaf-144	37	8	can	can	AUX
gujaf-144	37	9	be	be	AUX
gujaf-144	37	10	able	able	ADJ
gujaf-144	37	11	to	to	PART
gujaf-144	37	12	withstand	withstand	VERB
gujaf-144	37	13	all	all	DET
gujaf-144	37	14	forms	form	NOUN
gujaf-144	37	15	of	of	ADP
gujaf-144	37	16	crisis	crisis	NOUN
gujaf-144	37	17	that	that	PRON
gujaf-144	37	18	can	can	AUX
gujaf-144	37	19	emerge	emerge	VERB
gujaf-144	37	20	,	,	PUNCT
gujaf-144	37	21	and	and	CCONJ
gujaf-144	37	22	its	its	PRON
gujaf-144	37	23	financial	financial	ADJ
gujaf-144	37	24	strength	strength	NOUN
gujaf-144	37	25	can	can	AUX
gujaf-144	37	26	also	also	ADV
gujaf-144	37	27	strengthen	strengthen	VERB
gujaf-144	37	28	other	other	ADJ
gujaf-144	37	29	sectors	sector	NOUN
gujaf-144	37	30	or	or	CCONJ
gujaf-144	37	31	institutions	institution	NOUN
gujaf-144	37	32	by	by	ADP
gujaf-144	37	33	providing	provide	VERB
gujaf-144	37	34	financial	financial	ADJ
gujaf-144	37	35	aid	aid	NOUN
gujaf-144	37	36	.	.	PUNCT
gujaf-144	38	1	according	accord	VERB
gujaf-144	38	2	to	to	ADP
gujaf-144	38	3	rajkumar	rajkumar	PROPN
gujaf-144	38	4	and	and	CCONJ
gujaf-144	38	5	hanitha	hanitha	PROPN
gujaf-144	38	6	(	(	PUNCT
gujaf-144	38	7	2015	2015	NUM
gujaf-144	38	8	)	)	PUNCT
gujaf-144	38	9	,	,	PUNCT
gujaf-144	38	10	the	the	DET
gujaf-144	38	11	assessment	assessment	NOUN
gujaf-144	38	12	of	of	ADP
gujaf-144	38	13	financial	financial	ADJ
gujaf-144	38	14	performance	performance	NOUN
gujaf-144	38	15	of	of	ADP
gujaf-144	38	16	any	any	DET
gujaf-144	38	17	organization	organization	NOUN
gujaf-144	38	18	that	that	PRON
gujaf-144	38	19	can	can	AUX
gujaf-144	38	20	generate	generate	VERB
gujaf-144	38	21	resources	resource	NOUN
gujaf-144	38	22	from	from	ADP
gujaf-144	38	23	daily	daily	ADJ
gujaf-144	38	24	operations	operation	NOUN
gujaf-144	38	25	at	at	ADP
gujaf-144	38	26	given	give	VERB
gujaf-144	38	27	time	time	NOUN
gujaf-144	38	28	is	be	AUX
gujaf-144	38	29	done	do	VERB
gujaf-144	38	30	through	through	ADP
gujaf-144	38	31	cash	cash	NOUN
gujaf-144	38	32	from	from	ADP
gujaf-144	38	33	operations	operation	NOUN
gujaf-144	38	34	and	and	CCONJ
gujaf-144	38	35	net	net	ADJ
gujaf-144	38	36	income	income	NOUN
gujaf-144	38	37	.	.	PUNCT
gujaf-144	39	1	therefore	therefore	ADV
gujaf-144	39	2	,	,	PUNCT
gujaf-144	39	3	liquidity	liquidity	NOUN
gujaf-144	39	4	management	management	NOUN
gujaf-144	39	5	is	be	AUX
gujaf-144	39	6	understood	understand	VERB
gujaf-144	39	7	as	as	ADP
gujaf-144	39	8	important	important	ADJ
gujaf-144	39	9	variable	variable	NOUN
gujaf-144	39	10	to	to	ADP
gujaf-144	39	11	the	the	DET
gujaf-144	39	12	financial	financial	ADJ
gujaf-144	39	13	performance	performance	NOUN
gujaf-144	39	14	of	of	ADP
gujaf-144	39	15	banks	bank	NOUN
gujaf-144	39	16	.	.	PUNCT
gujaf-144	40	1	the	the	DET
gujaf-144	40	2	inclusion	inclusion	NOUN
gujaf-144	40	3	of	of	ADP
gujaf-144	40	4	suitable	suitable	ADJ
gujaf-144	40	5	strategy	strategy	NOUN
gujaf-144	40	6	to	to	PART
gujaf-144	40	7	effectively	effectively	ADV
gujaf-144	40	8	manage	manage	VERB
gujaf-144	40	9	both	both	DET
gujaf-144	40	10	variables	variable	NOUN
gujaf-144	40	11	will	will	AUX
gujaf-144	40	12	help	help	VERB
gujaf-144	40	13	banks	bank	NOUN
gujaf-144	40	14	in	in	ADP
gujaf-144	40	15	the	the	DET
gujaf-144	40	16	long	long	ADJ
gujaf-144	40	17	term	term	NOUN
gujaf-144	40	18	to	to	PART
gujaf-144	40	19	better	well	ADV
gujaf-144	40	20	serve	serve	VERB
gujaf-144	40	21	its	its	PRON
gujaf-144	40	22	customers	customer	NOUN
gujaf-144	40	23	and	and	CCONJ
gujaf-144	40	24	ensure	ensure	VERB
gujaf-144	40	25	growth	growth	NOUN
gujaf-144	40	26	.	.	PUNCT
gujaf-144	41	1	furthermore	furthermore	ADV
gujaf-144	41	2	,	,	PUNCT
gujaf-144	41	3	despite	despite	SCONJ
gujaf-144	41	4	the	the	DET
gujaf-144	41	5	significance	significance	NOUN
gujaf-144	41	6	of	of	ADP
gujaf-144	41	7	liquidity	liquidity	NOUN
gujaf-144	41	8	management	management	NOUN
gujaf-144	41	9	on	on	ADP
gujaf-144	41	10	financial	financial	ADJ
gujaf-144	41	11	performance	performance	NOUN
gujaf-144	41	12	of	of	ADP
gujaf-144	41	13	nigerian	nigerian	ADJ
gujaf-144	41	14	banks	bank	NOUN
gujaf-144	41	15	,	,	PUNCT
gujaf-144	41	16	there	there	PRON
gujaf-144	41	17	is	be	VERB
gujaf-144	41	18	very	very	ADV
gujaf-144	41	19	little	little	ADJ
gujaf-144	41	20	existing	exist	VERB
gujaf-144	41	21	literature	literature	NOUN
gujaf-144	41	22	in	in	ADP
gujaf-144	41	23	accounting	accounting	NOUN
gujaf-144	41	24	and	and	CCONJ
gujaf-144	41	25	finance	finance	NOUN
gujaf-144	41	26	that	that	PRON
gujaf-144	41	27	can	can	AUX
gujaf-144	41	28	be	be	AUX
gujaf-144	41	29	use	use	VERB
gujaf-144	41	30	adequately	adequately	ADV
gujaf-144	41	31	to	to	PART
gujaf-144	41	32	investigate	investigate	VERB
gujaf-144	41	33	the	the	DET
gujaf-144	41	34	effect	effect	NOUN
gujaf-144	41	35	of	of	ADP
gujaf-144	41	36	liquidity	liquidity	NOUN
gujaf-144	41	37	management	management	NOUN
gujaf-144	41	38	on	on	ADP
gujaf-144	41	39	the	the	DET
gujaf-144	41	40	financial	financial	ADJ
gujaf-144	41	41	performance	performance	NOUN
gujaf-144	41	42	of	of	ADP
gujaf-144	41	43	listed	list	VERB
gujaf-144	41	44	banks	bank	NOUN
gujaf-144	41	45	in	in	ADP
gujaf-144	41	46	nigeria	nigeria	PROPN
gujaf-144	41	47	.	.	PUNCT
gujaf-144	42	1	it	it	PRON
gujaf-144	42	2	is	be	AUX
gujaf-144	42	3	against	against	ADP
gujaf-144	42	4	this	this	DET
gujaf-144	42	5	backdrop	backdrop	NOUN
gujaf-144	42	6	the	the	DET
gujaf-144	42	7	current	current	ADJ
gujaf-144	42	8	study	study	NOUN
gujaf-144	42	9	is	be	AUX
gujaf-144	42	10	designed	design	VERB
gujaf-144	42	11	.	.	PUNCT
gujaf-144	43	1	the	the	DET
gujaf-144	43	2	main	main	ADJ
gujaf-144	43	3	objective	objective	NOUN
gujaf-144	43	4	of	of	ADP
gujaf-144	43	5	this	this	DET
gujaf-144	43	6	study	study	NOUN
gujaf-144	43	7	is	be	AUX
gujaf-144	43	8	to	to	PART
gujaf-144	43	9	determine	determine	VERB
gujaf-144	43	10	the	the	DET
gujaf-144	43	11	effect	effect	NOUN
gujaf-144	43	12	of	of	ADP
gujaf-144	43	13	liquidity	liquidity	NOUN
gujaf-144	43	14	management	management	NOUN
gujaf-144	43	15	on	on	ADP
gujaf-144	43	16	the	the	DET
gujaf-144	43	17	financial	financial	ADJ
gujaf-144	43	18	performance	performance	NOUN
gujaf-144	43	19	of	of	ADP
gujaf-144	43	20	listed	list	VERB
gujaf-144	43	21	deposit	deposit	NOUN
gujaf-144	43	22	money	money	NOUN
gujaf-144	43	23	banks	bank	NOUN
gujaf-144	43	24	in	in	ADP
gujaf-144	43	25	nigeria	nigeria	PROPN
gujaf-144	43	26	.	.	PUNCT
gujaf-144	44	1	the	the	DET
gujaf-144	44	2	specific	specific	ADJ
gujaf-144	44	3	objectives	objective	NOUN
gujaf-144	44	4	are	be	AUX
gujaf-144	44	5	:	:	PUNCT
gujaf-144	44	6	i.	i.	NOUN
gujaf-144	44	7	determine	determine	VERB
gujaf-144	44	8	the	the	DET
gujaf-144	44	9	impact	impact	NOUN
gujaf-144	44	10	of	of	ADP
gujaf-144	44	11	capital	capital	NOUN
gujaf-144	44	12	adequacy	adequacy	NOUN
gujaf-144	44	13	ratio	ratio	NOUN
gujaf-144	44	14	on	on	ADP
gujaf-144	44	15	financial	financial	ADJ
gujaf-144	44	16	performance	performance	NOUN
gujaf-144	44	17	of	of	ADP
gujaf-144	44	18	listed	list	VERB
gujaf-144	44	19	deposit	deposit	NOUN
gujaf-144	44	20	money	money	NOUN
gujaf-144	44	21	banks	bank	NOUN
gujaf-144	44	22	in	in	ADP
gujaf-144	44	23	nigeria	nigeria	PROPN
gujaf-144	44	24	.	.	PUNCT
gujaf-144	45	1	ii	ii	PROPN
gujaf-144	45	2	.	.	PROPN
gujaf-144	45	3	examine	examine	VERB
gujaf-144	45	4	the	the	DET
gujaf-144	45	5	impact	impact	NOUN
gujaf-144	45	6	of	of	ADP
gujaf-144	45	7	liquidity	liquidity	NOUN
gujaf-144	45	8	ratio	ratio	NOUN
gujaf-144	45	9	on	on	ADP
gujaf-144	45	10	financial	financial	ADJ
gujaf-144	45	11	performance	performance	NOUN
gujaf-144	45	12	of	of	ADP
gujaf-144	45	13	listed	list	VERB
gujaf-144	45	14	deposit	deposit	NOUN
gujaf-144	45	15	money	money	NOUN
gujaf-144	45	16	banks	bank	NOUN
gujaf-144	45	17	in	in	ADP
gujaf-144	45	18	nigeria	nigeria	PROPN
gujaf-144	45	19	.	.	PUNCT
gujaf-144	46	1	iii	iii	X
gujaf-144	46	2	.	.	PROPN
gujaf-144	46	3	determine	determine	VERB
gujaf-144	46	4	the	the	DET
gujaf-144	46	5	impact	impact	NOUN
gujaf-144	46	6	of	of	ADP
gujaf-144	46	7	loan	loan	NOUN
gujaf-144	46	8	to	to	PART
gujaf-144	46	9	deposit	deposit	VERB
gujaf-144	46	10	ratio	ratio	NOUN
gujaf-144	46	11	on	on	ADP
gujaf-144	46	12	financial	financial	ADJ
gujaf-144	46	13	performance	performance	NOUN
gujaf-144	46	14	of	of	ADP
gujaf-144	46	15	listed	list	VERB
gujaf-144	46	16	deposit	deposit	NOUN
gujaf-144	46	17	money	money	NOUN
gujaf-144	46	18	banks	bank	NOUN
gujaf-144	46	19	in	in	ADP
gujaf-144	46	20	nigeria	nigeria	PROPN
gujaf-144	46	21	.	.	PUNCT
gujaf-144	47	1	2	2	X
gujaf-144	47	2	.	.	X
gujaf-144	47	3	literature	literature	NOUN
gujaf-144	47	4	review	review	PROPN
gujaf-144	47	5	this	this	DET
gujaf-144	47	6	section	section	NOUN
gujaf-144	47	7	includes	include	VERB
gujaf-144	47	8	the	the	DET
gujaf-144	47	9	conceptual	conceptual	ADJ
gujaf-144	47	10	framework	framework	NOUN
gujaf-144	47	11	which	which	PRON
gujaf-144	47	12	link	link	VERB
gujaf-144	47	13	between	between	ADP
gujaf-144	47	14	concepts	concept	NOUN
gujaf-144	47	15	used	use	VERB
gujaf-144	47	16	within	within	ADP
gujaf-144	47	17	this	this	DET
gujaf-144	47	18	research	research	NOUN
gujaf-144	47	19	and	and	CCONJ
gujaf-144	47	20	also	also	ADV
gujaf-144	47	21	include	include	VERB
gujaf-144	47	22	empirical	empirical	ADJ
gujaf-144	47	23	review	review	NOUN
gujaf-144	47	24	the	the	PRON
gujaf-144	47	25	gives	give	VERB
gujaf-144	47	26	proper	proper	ADJ
gujaf-144	47	27	understanding	understanding	NOUN
gujaf-144	47	28	of	of	ADP
gujaf-144	47	29	the	the	DET
gujaf-144	47	30	links	link	NOUN
gujaf-144	47	31	between	between	ADP
gujaf-144	47	32	financial	financial	ADJ
gujaf-144	47	33	performance	performance	NOUN
gujaf-144	47	34	and	and	CCONJ
gujaf-144	47	35	management	management	NOUN
gujaf-144	47	36	.	.	PUNCT
gujaf-144	48	1	liquidity	liquidity	NOUN
gujaf-144	48	2	management	management	NOUN
gujaf-144	48	3	financial	financial	ADJ
gujaf-144	48	4	performance	performance	NOUN
gujaf-144	48	5	4	4	NUM
gujaf-144	48	6	source	source	NOUN
gujaf-144	48	7	:	:	PUNCT
gujaf-144	48	8	authors	author	NOUN
gujaf-144	48	9	’	’	PART
gujaf-144	48	10	conceptual	conceptual	ADJ
gujaf-144	48	11	model	model	NOUN
gujaf-144	48	12	(	(	PUNCT
gujaf-144	48	13	2022	2022	NUM
gujaf-144	48	14	)	)	PUNCT
gujaf-144	48	15	2.1	2.1	NUM
gujaf-144	48	16	empirical	empirical	ADJ
gujaf-144	48	17	review	review	NOUN
gujaf-144	48	18	of	of	ADP
gujaf-144	48	19	previous	previous	ADJ
gujaf-144	48	20	study	study	NOUN
gujaf-144	48	21	the	the	DET
gujaf-144	48	22	research	research	NOUN
gujaf-144	48	23	in	in	ADP
gujaf-144	48	24	the	the	DET
gujaf-144	48	25	impact	impact	NOUN
gujaf-144	48	26	of	of	ADP
gujaf-144	48	27	liquidity	liquidity	NOUN
gujaf-144	48	28	management	management	NOUN
gujaf-144	48	29	on	on	ADP
gujaf-144	48	30	financial	financial	ADJ
gujaf-144	48	31	performance	performance	NOUN
gujaf-144	48	32	of	of	ADP
gujaf-144	48	33	commercial	commercial	ADJ
gujaf-144	48	34	banks	bank	NOUN
gujaf-144	48	35	in	in	ADP
gujaf-144	48	36	botswana	botswana	PROPN
gujaf-144	48	37	by	by	ADP
gujaf-144	48	38	sathyamoorthi	sathyamoorthi	NOUN
gujaf-144	48	39	,	,	PUNCT
gujaf-144	48	40	mapharing	mapharing	NOUN
gujaf-144	48	41	and	and	CCONJ
gujaf-144	48	42	dzimiri	dzimiri	PROPN
gujaf-144	48	43	(	(	PUNCT
gujaf-144	48	44	2020	2020	NUM
gujaf-144	48	45	)	)	PUNCT
gujaf-144	48	46	,	,	PUNCT
gujaf-144	48	47	examined	examine	VERB
gujaf-144	48	48	the	the	DET
gujaf-144	48	49	nine	nine	NUM
gujaf-144	48	50	(	(	PUNCT
gujaf-144	48	51	9	9	NUM
gujaf-144	48	52	)	)	PUNCT
gujaf-144	48	53	commercial	commercial	ADJ
gujaf-144	48	54	banks	bank	NOUN
gujaf-144	48	55	in	in	ADP
gujaf-144	48	56	the	the	DET
gujaf-144	48	57	country	country	NOUN
gujaf-144	48	58	which	which	PRON
gujaf-144	48	59	comprised	comprise	VERB
gujaf-144	48	60	the	the	DET
gujaf-144	48	61	studies	study	NOUN
gujaf-144	48	62	population	population	NOUN
gujaf-144	48	63	in	in	ADP
gujaf-144	48	64	the	the	DET
gujaf-144	48	65	period	period	NOUN
gujaf-144	48	66	that	that	PRON
gujaf-144	48	67	covered	cover	VERB
gujaf-144	48	68	between	between	ADP
gujaf-144	48	69	2011	2011	NUM
gujaf-144	48	70	to	to	ADP
gujaf-144	48	71	2011	2011	NUM
gujaf-144	48	72	;	;	PUNCT
gujaf-144	48	73	a	a	DET
gujaf-144	48	74	secondary	secondary	ADJ
gujaf-144	48	75	data	datum	NOUN
gujaf-144	48	76	was	be	AUX
gujaf-144	48	77	sources	source	NOUN
gujaf-144	48	78	from	from	ADP
gujaf-144	48	79	bank	bank	PROPN
gujaf-144	48	80	of	of	ADP
gujaf-144	48	81	botswana	botswana	PROPN
gujaf-144	48	82	’s	’s	PART
gujaf-144	48	83	financial	financial	PROPN
gujaf-144	48	84	statistics	statistic	NOUN
gujaf-144	48	85	database	database	NOUN
gujaf-144	48	86	;	;	PUNCT
gujaf-144	48	87	descriptive	descriptive	ADJ
gujaf-144	48	88	statistics	statistic	NOUN
gujaf-144	48	89	,	,	PUNCT
gujaf-144	48	90	correlation	correlation	NOUN
gujaf-144	48	91	and	and	CCONJ
gujaf-144	48	92	regression	regression	NOUN
gujaf-144	48	93	analyses	analysis	NOUN
gujaf-144	48	94	were	be	AUX
gujaf-144	48	95	also	also	ADV
gujaf-144	48	96	applied	apply	VERB
gujaf-144	48	97	to	to	PART
gujaf-144	48	98	analyze	analyze	VERB
gujaf-144	48	99	the	the	DET
gujaf-144	48	100	data	datum	NOUN
gujaf-144	48	101	.	.	PUNCT
gujaf-144	49	1	results	result	NOUN
gujaf-144	49	2	from	from	ADP
gujaf-144	49	3	regression	regression	NOUN
gujaf-144	49	4	analysis	analysis	NOUN
gujaf-144	49	5	showed	show	VERB
gujaf-144	49	6	there	there	PRON
gujaf-144	49	7	are	be	VERB
gujaf-144	49	8	significant	significant	ADJ
gujaf-144	49	9	relationships	relationship	NOUN
gujaf-144	49	10	for	for	ADP
gujaf-144	49	11	loan	loan	NOUN
gujaf-144	49	12	to	to	ADP
gujaf-144	49	13	total	total	ADJ
gujaf-144	49	14	assets	asset	NOUN
gujaf-144	49	15	ratio	ratio	NOUN
gujaf-144	49	16	and	and	CCONJ
gujaf-144	49	17	liquid	liquid	ADJ
gujaf-144	49	18	assets	asset	NOUN
gujaf-144	49	19	to	to	PART
gujaf-144	49	20	total	total	ADJ
gujaf-144	49	21	assets	asset	NOUN
gujaf-144	49	22	ratio	ratio	NOUN
gujaf-144	49	23	with	with	ADP
gujaf-144	49	24	return	return	NOUN
gujaf-144	49	25	on	on	ADP
gujaf-144	49	26	assets	asset	NOUN
gujaf-144	49	27	and	and	CCONJ
gujaf-144	49	28	return	return	VERB
gujaf-144	49	29	on	on	ADP
gujaf-144	49	30	equity	equity	NOUN
gujaf-144	49	31	;	;	PUNCT
gujaf-144	49	32	loans	loan	NOUN
gujaf-144	49	33	to	to	ADP
gujaf-144	49	34	deposits	deposit	NOUN
gujaf-144	49	35	ratio	ratio	NOUN
gujaf-144	49	36	and	and	CCONJ
gujaf-144	49	37	liquid	liquid	ADJ
gujaf-144	49	38	assets	asset	NOUN
gujaf-144	49	39	to	to	ADP
gujaf-144	49	40	deposits	deposit	NOUN
gujaf-144	49	41	ratio	ratio	NOUN
gujaf-144	49	42	had	have	VERB
gujaf-144	49	43	statistically	statistically	ADV
gujaf-144	49	44	significant	significant	ADJ
gujaf-144	49	45	negative	negative	ADJ
gujaf-144	49	46	relationships	relationship	NOUN
gujaf-144	49	47	with	with	ADP
gujaf-144	49	48	return	return	NOUN
gujaf-144	49	49	on	on	ADP
gujaf-144	49	50	assets	asset	NOUN
gujaf-144	49	51	and	and	CCONJ
gujaf-144	49	52	return	return	VERB
gujaf-144	49	53	on	on	ADP
gujaf-144	49	54	equity	equity	NOUN
gujaf-144	49	55	;	;	PUNCT
gujaf-144	49	56	cash	cash	NOUN
gujaf-144	49	57	and	and	CCONJ
gujaf-144	49	58	cash	cash	NOUN
gujaf-144	49	59	equivalents	equivalent	NOUN
gujaf-144	49	60	to	to	ADP
gujaf-144	49	61	total	total	ADJ
gujaf-144	49	62	assets	asset	NOUN
gujaf-144	49	63	ratio	ratio	NOUN
gujaf-144	49	64	had	have	VERB
gujaf-144	49	65	statistically	statistically	ADV
gujaf-144	49	66	insignificant	insignificant	ADJ
gujaf-144	49	67	positive	positive	ADJ
gujaf-144	49	68	relationship	relationship	NOUN
gujaf-144	49	69	with	with	ADP
gujaf-144	49	70	return	return	NOUN
gujaf-144	49	71	on	on	ADP
gujaf-144	49	72	assets	asset	NOUN
gujaf-144	49	73	and	and	CCONJ
gujaf-144	49	74	return	return	VERB
gujaf-144	49	75	on	on	ADP
gujaf-144	49	76	equity	equity	NOUN
gujaf-144	49	77	while	while	SCONJ
gujaf-144	49	78	cash	cash	NOUN
gujaf-144	49	79	to	to	ADP
gujaf-144	49	80	deposits	deposit	NOUN
gujaf-144	49	81	ratio	ratio	NOUN
gujaf-144	49	82	had	have	VERB
gujaf-144	49	83	statistically	statistically	ADV
gujaf-144	49	84	insignificant	insignificant	ADJ
gujaf-144	49	85	negative	negative	ADJ
gujaf-144	49	86	relationship	relationship	NOUN
gujaf-144	49	87	with	with	ADP
gujaf-144	49	88	return	return	NOUN
gujaf-144	49	89	on	on	ADP
gujaf-144	49	90	assets	asset	NOUN
gujaf-144	49	91	and	and	CCONJ
gujaf-144	49	92	return	return	VERB
gujaf-144	49	93	on	on	ADP
gujaf-144	49	94	equity	equity	NOUN
gujaf-144	49	95	”	"	PUNCT
gujaf-144	49	96	.	.	PUNCT
gujaf-144	50	1	adhikari	adhikari	PROPN
gujaf-144	50	2	(	(	PUNCT
gujaf-144	50	3	2020	2020	NUM
gujaf-144	50	4	)	)	PUNCT
gujaf-144	50	5	studied	study	VERB
gujaf-144	50	6	the	the	DET
gujaf-144	50	7	impact	impact	NOUN
gujaf-144	50	8	of	of	ADP
gujaf-144	50	9	liquidity	liquidity	NOUN
gujaf-144	50	10	on	on	ADP
gujaf-144	50	11	profitability	profitability	NOUN
gujaf-144	50	12	in	in	ADP
gujaf-144	50	13	nepalese	nepalese	ADJ
gujaf-144	50	14	commercial	commercial	ADJ
gujaf-144	50	15	banks	bank	NOUN
gujaf-144	50	16	.	.	PUNCT
gujaf-144	51	1	27	27	NUM
gujaf-144	51	2	out	out	ADP
gujaf-144	51	3	of	of	ADP
gujaf-144	51	4	28	28	NUM
gujaf-144	51	5	commercial	commercial	ADJ
gujaf-144	51	6	banks	bank	NOUN
gujaf-144	51	7	in	in	ADP
gujaf-144	51	8	nepal	nepal	ADJ
gujaf-144	51	9	were	be	AUX
gujaf-144	51	10	used	use	VERB
gujaf-144	51	11	for	for	ADP
gujaf-144	51	12	the	the	DET
gujaf-144	51	13	analysis	analysis	NOUN
gujaf-144	51	14	.	.	PUNCT
gujaf-144	52	1	a	a	DET
gujaf-144	52	2	cross	cross	ADJ
gujaf-144	52	3	-	-	ADJ
gujaf-144	52	4	sectional	sectional	ADJ
gujaf-144	52	5	secondary	secondary	ADJ
gujaf-144	52	6	data	datum	NOUN
gujaf-144	52	7	of	of	ADP
gujaf-144	52	8	the	the	DET
gujaf-144	52	9	banks	bank	NOUN
gujaf-144	52	10	was	be	AUX
gujaf-144	52	11	employed	employ	VERB
gujaf-144	52	12	.	.	PUNCT
gujaf-144	53	1	for	for	ADP
gujaf-144	53	2	data	data	NOUN
gujaf-144	53	3	analysis	analysis	NOUN
gujaf-144	53	4	,	,	PUNCT
gujaf-144	53	5	causal	causal	ADJ
gujaf-144	53	6	comparative	comparative	ADJ
gujaf-144	53	7	and	and	CCONJ
gujaf-144	53	8	descriptive	descriptive	ADJ
gujaf-144	53	9	approaches	approach	NOUN
gujaf-144	53	10	for	for	ADP
gujaf-144	53	11	research	research	NOUN
gujaf-144	53	12	were	be	AUX
gujaf-144	53	13	used	use	VERB
gujaf-144	53	14	.	.	PUNCT
gujaf-144	54	1	furthermore	furthermore	ADV
gujaf-144	54	2	,	,	PUNCT
gujaf-144	54	3	to	to	PART
gujaf-144	54	4	determine	determine	VERB
gujaf-144	54	5	the	the	DET
gujaf-144	54	6	relationship	relationship	NOUN
gujaf-144	54	7	between	between	ADP
gujaf-144	54	8	the	the	DET
gujaf-144	54	9	variable	variable	NOUN
gujaf-144	54	10	’s	’s	PART
gujaf-144	54	11	multiple	multiple	ADJ
gujaf-144	54	12	general	general	ADJ
gujaf-144	54	13	linear	linear	ADJ
gujaf-144	54	14	regression	regression	NOUN
gujaf-144	54	15	and	and	CCONJ
gujaf-144	54	16	correlation	correlation	NOUN
gujaf-144	54	17	analysis	analysis	NOUN
gujaf-144	54	18	were	be	AUX
gujaf-144	54	19	used	use	VERB
gujaf-144	54	20	.	.	PUNCT
gujaf-144	55	1	findings	finding	NOUN
gujaf-144	55	2	from	from	ADP
gujaf-144	55	3	the	the	DET
gujaf-144	55	4	study	study	NOUN
gujaf-144	55	5	showed	show	VERB
gujaf-144	55	6	that	that	SCONJ
gujaf-144	55	7	statically	statically	ADV
gujaf-144	55	8	the	the	DET
gujaf-144	55	9	association	association	NOUN
gujaf-144	55	10	between	between	ADP
gujaf-144	55	11	the	the	DET
gujaf-144	55	12	driver	driver	NOUN
gujaf-144	55	13	’s	’s	PART
gujaf-144	55	14	liquidity	liquidity	NOUN
gujaf-144	55	15	and	and	CCONJ
gujaf-144	55	16	profitability	profitability	NOUN
gujaf-144	55	17	of	of	ADP
gujaf-144	55	18	nepal	nepal	ADJ
gujaf-144	55	19	commercial	commercial	ADJ
gujaf-144	55	20	banks	bank	NOUN
gujaf-144	55	21	is	be	AUX
gujaf-144	55	22	insignificant	insignificant	ADJ
gujaf-144	55	23	.	.	PUNCT
gujaf-144	56	1	this	this	DET
gujaf-144	56	2	study	study	NOUN
gujaf-144	56	3	carried	carry	VERB
gujaf-144	56	4	out	out	ADP
gujaf-144	56	5	in	in	ADP
gujaf-144	56	6	regard	regard	NOUN
gujaf-144	56	7	to	to	ADP
gujaf-144	56	8	the	the	DET
gujaf-144	56	9	commercial	commercial	ADJ
gujaf-144	56	10	banks	bank	NOUN
gujaf-144	56	11	in	in	ADP
gujaf-144	56	12	nepal	nepal	ADJ
gujaf-144	56	13	,	,	PUNCT
gujaf-144	56	14	however	however	ADV
gujaf-144	56	15	the	the	DET
gujaf-144	56	16	current	current	ADJ
gujaf-144	56	17	study	study	NOUN
gujaf-144	56	18	is	be	AUX
gujaf-144	56	19	centered	center	VERB
gujaf-144	56	20	on	on	ADP
gujaf-144	56	21	commercial	commercial	ADJ
gujaf-144	56	22	banks	bank	NOUN
gujaf-144	56	23	in	in	ADP
gujaf-144	56	24	nigeria	nigeria	PROPN
gujaf-144	56	25	to	to	PART
gujaf-144	56	26	serve	serve	VERB
gujaf-144	56	27	as	as	ADP
gujaf-144	56	28	a	a	DET
gujaf-144	56	29	guide	guide	NOUN
gujaf-144	56	30	or	or	CCONJ
gujaf-144	56	31	aid	aid	NOUN
gujaf-144	56	32	in	in	ADP
gujaf-144	56	33	their	their	PRON
gujaf-144	56	34	decision	decision	NOUN
gujaf-144	56	35	making	making	NOUN
gujaf-144	56	36	and	and	CCONJ
gujaf-144	56	37	policy	policy	NOUN
gujaf-144	56	38	implementation	implementation	NOUN
gujaf-144	56	39	.	.	PUNCT
gujaf-144	57	1	terseer	terseer	NOUN
gujaf-144	57	2	et	et	PROPN
gujaf-144	57	3	al	al	PROPN
gujaf-144	57	4	.	.	PROPN
gujaf-144	57	5	,	,	PUNCT
gujaf-144	57	6	(	(	PUNCT
gujaf-144	57	7	2020	2020	NUM
gujaf-144	57	8	)	)	PUNCT
gujaf-144	57	9	examined	examine	VERB
gujaf-144	57	10	the	the	DET
gujaf-144	57	11	effect	effect	NOUN
gujaf-144	57	12	of	of	ADP
gujaf-144	57	13	liquidity	liquidity	NOUN
gujaf-144	57	14	management	management	NOUN
gujaf-144	57	15	on	on	ADP
gujaf-144	57	16	financial	financial	ADJ
gujaf-144	57	17	performance	performance	NOUN
gujaf-144	57	18	of	of	ADP
gujaf-144	57	19	banks	bank	NOUN
gujaf-144	57	20	in	in	ADP
gujaf-144	57	21	nigeria	nigeria	PROPN
gujaf-144	57	22	from	from	ADP
gujaf-144	57	23	2010	2010	NUM
gujaf-144	57	24	-	-	SYM
gujaf-144	57	25	2018	2018	NUM
gujaf-144	57	26	.	.	PUNCT
gujaf-144	58	1	secondary	secondary	ADJ
gujaf-144	58	2	source	source	NOUN
gujaf-144	58	3	of	of	ADP
gujaf-144	58	4	data	datum	NOUN
gujaf-144	58	5	was	be	AUX
gujaf-144	58	6	employed	employ	VERB
gujaf-144	58	7	for	for	ADP
gujaf-144	58	8	5	5	NUM
gujaf-144	58	9	banks	bank	NOUN
gujaf-144	58	10	that	that	PRON
gujaf-144	58	11	were	be	AUX
gujaf-144	58	12	listed	list	VERB
gujaf-144	58	13	on	on	ADP
gujaf-144	58	14	the	the	DET
gujaf-144	58	15	nigerian	nigerian	ADJ
gujaf-144	58	16	stock	stock	NOUN
gujaf-144	58	17	exchange	exchange	PROPN
gujaf-144	58	18	.	.	PUNCT
gujaf-144	59	1	estimation	estimation	NOUN
gujaf-144	59	2	capital	capital	NOUN
gujaf-144	59	3	adequacy	adequacy	PROPN
gujaf-144	59	4	ratio	ratio	NOUN
gujaf-144	59	5	liquidity	liquidity	NOUN
gujaf-144	59	6	ratio	ratio	NOUN
gujaf-144	59	7	loan	loan	NOUN
gujaf-144	59	8	to	to	PART
gujaf-144	59	9	deposit	deposit	VERB
gujaf-144	59	10	ratio	ratio	NOUN
gujaf-144	59	11	financial	financial	ADJ
gujaf-144	59	12	performance	performance	NOUN
gujaf-144	59	13	5	5	NUM
gujaf-144	59	14	of	of	ADP
gujaf-144	59	15	model	model	NOUN
gujaf-144	59	16	and	and	CCONJ
gujaf-144	59	17	hausman	hausman	ADJ
gujaf-144	59	18	test	test	NOUN
gujaf-144	59	19	is	be	AUX
gujaf-144	59	20	done	do	VERB
gujaf-144	59	21	using	use	VERB
gujaf-144	59	22	panel	panel	NOUN
gujaf-144	59	23	regression	regression	NOUN
gujaf-144	59	24	analysis	analysis	NOUN
gujaf-144	59	25	whilst	whilst	SCONJ
gujaf-144	59	26	determining	determine	VERB
gujaf-144	59	27	to	to	PART
gujaf-144	59	28	choose	choose	VERB
gujaf-144	59	29	between	between	ADP
gujaf-144	59	30	the	the	DET
gujaf-144	59	31	random	random	ADJ
gujaf-144	59	32	and	and	CCONJ
gujaf-144	59	33	fixed	fixed	ADJ
gujaf-144	59	34	effect	effect	NOUN
gujaf-144	59	35	model	model	NOUN
gujaf-144	59	36	.	.	PUNCT
gujaf-144	60	1	it	it	PRON
gujaf-144	60	2	revealed	reveal	VERB
gujaf-144	60	3	that	that	SCONJ
gujaf-144	60	4	the	the	DET
gujaf-144	60	5	effect	effect	NOUN
gujaf-144	60	6	of	of	ADP
gujaf-144	60	7	liquidity	liquidity	NOUN
gujaf-144	60	8	ratio	ratio	NOUN
gujaf-144	60	9	on	on	ADP
gujaf-144	60	10	drivers	driver	NOUN
gujaf-144	60	11	of	of	ADP
gujaf-144	60	12	profitability	profitability	NOUN
gujaf-144	60	13	of	of	ADP
gujaf-144	60	14	deposit	deposit	NOUN
gujaf-144	60	15	money	money	NOUN
gujaf-144	60	16	banks	bank	NOUN
gujaf-144	60	17	is	be	AUX
gujaf-144	60	18	significant	significant	ADJ
gujaf-144	60	19	and	and	CCONJ
gujaf-144	60	20	positive	positive	ADJ
gujaf-144	60	21	.	.	PUNCT
gujaf-144	61	1	this	this	DET
gujaf-144	61	2	study	study	NOUN
gujaf-144	61	3	was	be	AUX
gujaf-144	61	4	limited	limit	VERB
gujaf-144	61	5	or	or	CCONJ
gujaf-144	61	6	used	use	VERB
gujaf-144	61	7	little	little	ADJ
gujaf-144	61	8	number	number	NOUN
gujaf-144	61	9	of	of	ADP
gujaf-144	61	10	banks	bank	NOUN
gujaf-144	61	11	for	for	ADP
gujaf-144	61	12	its	its	PRON
gujaf-144	61	13	study	study	NOUN
gujaf-144	61	14	.	.	PUNCT
gujaf-144	62	1	therefore	therefore	ADV
gujaf-144	62	2	,	,	PUNCT
gujaf-144	62	3	it	it	PRON
gujaf-144	62	4	ca	can	AUX
gujaf-144	62	5	n’t	not	PART
gujaf-144	62	6	generalize	generalize	VERB
gujaf-144	62	7	its	its	PRON
gujaf-144	62	8	finding	finding	NOUN
gujaf-144	62	9	to	to	ADP
gujaf-144	62	10	all	all	DET
gujaf-144	62	11	the	the	DET
gujaf-144	62	12	deposit	deposit	NOUN
gujaf-144	62	13	money	money	NOUN
gujaf-144	62	14	banks	bank	NOUN
gujaf-144	62	15	in	in	ADP
gujaf-144	62	16	nigeria	nigeria	PROPN
gujaf-144	62	17	.	.	PUNCT
gujaf-144	63	1	dadepo	dadepo	NOUN
gujaf-144	63	2	and	and	CCONJ
gujaf-144	63	3	afolabi	afolabi	NOUN
gujaf-144	63	4	(	(	PUNCT
gujaf-144	63	5	2020	2020	NUM
gujaf-144	63	6	)	)	PUNCT
gujaf-144	63	7	assessed	assess	VERB
gujaf-144	63	8	the	the	DET
gujaf-144	63	9	impact	impact	NOUN
gujaf-144	63	10	of	of	ADP
gujaf-144	63	11	the	the	DET
gujaf-144	63	12	liquidity	liquidity	NOUN
gujaf-144	63	13	management	management	NOUN
gujaf-144	63	14	on	on	ADP
gujaf-144	63	15	the	the	DET
gujaf-144	63	16	performance	performance	NOUN
gujaf-144	63	17	of	of	ADP
gujaf-144	63	18	ten	ten	NUM
gujaf-144	63	19	manufacturing	manufacturing	NOUN
gujaf-144	63	20	companies	company	NOUN
gujaf-144	63	21	from	from	ADP
gujaf-144	63	22	2012	2012	NUM
gujaf-144	63	23	to	to	ADP
gujaf-144	63	24	2016	2016	NUM
gujaf-144	63	25	which	which	PRON
gujaf-144	63	26	covered	cover	VERB
gujaf-144	63	27	the	the	DET
gujaf-144	63	28	period	period	NOUN
gujaf-144	63	29	of	of	ADP
gujaf-144	63	30	5	5	NUM
gujaf-144	63	31	years	year	NOUN
gujaf-144	63	32	.	.	PUNCT
gujaf-144	64	1	fidings	fiding	NOUN
gujaf-144	64	2	of	of	ADP
gujaf-144	64	3	the	the	DET
gujaf-144	64	4	study	study	NOUN
gujaf-144	64	5	showed	show	VERB
gujaf-144	64	6	that	that	SCONJ
gujaf-144	64	7	the	the	DET
gujaf-144	64	8	effect	effect	NOUN
gujaf-144	64	9	of	of	ADP
gujaf-144	64	10	current	current	ADJ
gujaf-144	64	11	ratio	ratio	NOUN
gujaf-144	64	12	on	on	ADP
gujaf-144	64	13	profitability	profitability	NOUN
gujaf-144	64	14	measured	measure	VERB
gujaf-144	64	15	by	by	ADP
gujaf-144	64	16	return	return	NOUN
gujaf-144	64	17	on	on	ADP
gujaf-144	64	18	assets	asset	NOUN
gujaf-144	64	19	is	be	AUX
gujaf-144	64	20	negative	negative	ADJ
gujaf-144	64	21	and	and	CCONJ
gujaf-144	64	22	significant	significant	ADJ
gujaf-144	64	23	while	while	NOUN
gujaf-144	64	24	,	,	PUNCT
gujaf-144	64	25	the	the	DET
gujaf-144	64	26	relationship	relationship	NOUN
gujaf-144	64	27	between	between	ADP
gujaf-144	64	28	cash	cash	NOUN
gujaf-144	64	29	and	and	CCONJ
gujaf-144	64	30	quick	quick	ADJ
gujaf-144	64	31	ratio	ratio	NOUN
gujaf-144	64	32	on	on	ADP
gujaf-144	64	33	return	return	NOUN
gujaf-144	64	34	on	on	ADP
gujaf-144	64	35	assets	asset	NOUN
gujaf-144	64	36	of	of	ADP
gujaf-144	64	37	the	the	DET
gujaf-144	64	38	selected	select	VERB
gujaf-144	64	39	companies	company	NOUN
gujaf-144	64	40	is	be	AUX
gujaf-144	64	41	negligible	negligible	ADJ
gujaf-144	64	42	but	but	CCONJ
gujaf-144	64	43	positive	positive	ADJ
gujaf-144	64	44	.	.	PUNCT
gujaf-144	65	1	also	also	ADV
gujaf-144	65	2	,	,	PUNCT
gujaf-144	65	3	emmanuel	emmanuel	PROPN
gujaf-144	65	4	and	and	CCONJ
gujaf-144	65	5	stephen	stephen	PROPN
gujaf-144	65	6	(	(	PUNCT
gujaf-144	65	7	2020	2020	NUM
gujaf-144	65	8	)	)	PUNCT
gujaf-144	65	9	conducted	conduct	VERB
gujaf-144	65	10	a	a	DET
gujaf-144	65	11	study	study	NOUN
gujaf-144	65	12	on	on	ADP
gujaf-144	65	13	liquidity	liquidity	NOUN
gujaf-144	65	14	management	management	NOUN
gujaf-144	65	15	and	and	CCONJ
gujaf-144	65	16	performance	performance	NOUN
gujaf-144	65	17	of	of	ADP
gujaf-144	65	18	deposit	deposit	NOUN
gujaf-144	65	19	money	money	NOUN
gujaf-144	65	20	banks	bank	NOUN
gujaf-144	65	21	in	in	ADP
gujaf-144	65	22	nigeria	nigeria	PROPN
gujaf-144	65	23	with	with	ADP
gujaf-144	65	24	six	six	NUM
gujaf-144	65	25	(	(	PUNCT
gujaf-144	65	26	6	6	NUM
gujaf-144	65	27	)	)	PUNCT
gujaf-144	65	28	banks	bank	NOUN
gujaf-144	65	29	that	that	PRON
gujaf-144	65	30	are	be	AUX
gujaf-144	65	31	part	part	NOUN
gujaf-144	65	32	of	of	ADP
gujaf-144	65	33	an	an	DET
gujaf-144	65	34	international	international	ADJ
gujaf-144	65	35	association	association	NOUN
gujaf-144	65	36	.	.	PUNCT
gujaf-144	66	1	secondary	secondary	ADJ
gujaf-144	66	2	data	datum	NOUN
gujaf-144	66	3	were	be	AUX
gujaf-144	66	4	obtained	obtain	VERB
gujaf-144	66	5	from	from	ADP
gujaf-144	66	6	the	the	DET
gujaf-144	66	7	bank	bank	NOUN
gujaf-144	66	8	’s	’s	PART
gujaf-144	66	9	annual	annual	ADJ
gujaf-144	66	10	books	book	NOUN
gujaf-144	66	11	from	from	ADP
gujaf-144	66	12	2013	2013	NUM
gujaf-144	66	13	to	to	ADP
gujaf-144	66	14	2019	2019	NUM
gujaf-144	66	15	.	.	PUNCT
gujaf-144	67	1	the	the	DET
gujaf-144	67	2	findings	finding	NOUN
gujaf-144	67	3	showed	show	VERB
gujaf-144	67	4	that	that	SCONJ
gujaf-144	67	5	there	there	PRON
gujaf-144	67	6	is	be	VERB
gujaf-144	67	7	positive	positive	ADJ
gujaf-144	67	8	relationship	relationship	NOUN
gujaf-144	67	9	between	between	ADP
gujaf-144	67	10	capital	capital	NOUN
gujaf-144	67	11	adequacy	adequacy	NOUN
gujaf-144	67	12	and	and	CCONJ
gujaf-144	67	13	return	return	VERB
gujaf-144	67	14	on	on	ADP
gujaf-144	67	15	equity	equity	NOUN
gujaf-144	67	16	likewise	likewise	ADV
gujaf-144	67	17	;	;	PUNCT
gujaf-144	67	18	liquidity	liquidity	NOUN
gujaf-144	67	19	and	and	CCONJ
gujaf-144	67	20	current	current	ADJ
gujaf-144	67	21	ratio	ratio	NOUN
gujaf-144	67	22	showed	show	VERB
gujaf-144	67	23	very	very	ADV
gujaf-144	67	24	low	low	ADJ
gujaf-144	67	25	negative	negative	ADJ
gujaf-144	67	26	relationship	relationship	NOUN
gujaf-144	67	27	with	with	ADP
gujaf-144	67	28	return	return	NOUN
gujaf-144	67	29	on	on	ADP
gujaf-144	67	30	equity	equity	NOUN
gujaf-144	67	31	and	and	CCONJ
gujaf-144	67	32	bank	bank	NOUN
gujaf-144	67	33	size	size	NOUN
gujaf-144	67	34	had	have	VERB
gujaf-144	67	35	a	a	DET
gujaf-144	67	36	strong	strong	ADJ
gujaf-144	67	37	positive	positive	ADJ
gujaf-144	67	38	relationship	relationship	NOUN
gujaf-144	67	39	with	with	ADP
gujaf-144	67	40	return	return	NOUN
gujaf-144	67	41	on	on	ADP
gujaf-144	67	42	equity	equity	NOUN
gujaf-144	67	43	.	.	PUNCT
gujaf-144	68	1	hence	hence	ADV
gujaf-144	68	2	the	the	DET
gujaf-144	68	3	need	need	NOUN
gujaf-144	68	4	for	for	ADP
gujaf-144	68	5	broader	broad	ADJ
gujaf-144	68	6	study	study	NOUN
gujaf-144	68	7	on	on	ADP
gujaf-144	68	8	the	the	DET
gujaf-144	68	9	field	field	NOUN
gujaf-144	68	10	.	.	PUNCT
gujaf-144	69	1	chinweoda	chinweoda	PROPN
gujaf-144	69	2	et	et	PROPN
gujaf-144	69	3	al	al	PROPN
gujaf-144	69	4	.	.	PROPN
gujaf-144	69	5	,	,	PUNCT
gujaf-144	69	6	(	(	PUNCT
gujaf-144	69	7	2020	2020	NUM
gujaf-144	69	8	)	)	PUNCT
gujaf-144	69	9	studied	study	VERB
gujaf-144	69	10	the	the	DET
gujaf-144	69	11	effect	effect	NOUN
gujaf-144	69	12	of	of	ADP
gujaf-144	69	13	liquidity	liquidity	NOUN
gujaf-144	69	14	management	management	NOUN
gujaf-144	69	15	on	on	ADP
gujaf-144	69	16	the	the	DET
gujaf-144	69	17	performance	performance	NOUN
gujaf-144	69	18	of	of	ADP
gujaf-144	69	19	banks	bank	NOUN
gujaf-144	69	20	in	in	ADP
gujaf-144	69	21	nigeria	nigeria	PROPN
gujaf-144	69	22	.	.	PUNCT
gujaf-144	70	1	the	the	DET
gujaf-144	70	2	population	population	NOUN
gujaf-144	70	3	sample	sample	NOUN
gujaf-144	70	4	for	for	ADP
gujaf-144	70	5	the	the	DET
gujaf-144	70	6	study	study	NOUN
gujaf-144	70	7	was	be	AUX
gujaf-144	70	8	eighteen	eighteen	NUM
gujaf-144	70	9	(	(	PUNCT
gujaf-144	70	10	18	18	NUM
gujaf-144	70	11	)	)	PUNCT
gujaf-144	70	12	banks	bank	NOUN
gujaf-144	70	13	that	that	PRON
gujaf-144	70	14	are	be	AUX
gujaf-144	70	15	listed	list	VERB
gujaf-144	70	16	on	on	ADP
gujaf-144	70	17	nigeria	nigeria	PROPN
gujaf-144	70	18	’s	’s	PART
gujaf-144	70	19	stock	stock	PROPN
gujaf-144	70	20	exchange	exchange	NOUN
gujaf-144	70	21	between	between	ADP
gujaf-144	70	22	2011	2011	NUM
gujaf-144	70	23	to	to	ADP
gujaf-144	70	24	2017	2017	NUM
gujaf-144	70	25	.	.	PUNCT
gujaf-144	71	1	the	the	DET
gujaf-144	71	2	study	study	NOUN
gujaf-144	71	3	revealed	reveal	VERB
gujaf-144	71	4	that	that	SCONJ
gujaf-144	71	5	liquidity	liquidity	NOUN
gujaf-144	71	6	management	management	NOUN
gujaf-144	71	7	has	have	VERB
gujaf-144	71	8	a	a	DET
gujaf-144	71	9	positive	positive	ADJ
gujaf-144	71	10	and	and	CCONJ
gujaf-144	71	11	serious	serious	ADJ
gujaf-144	71	12	impact	impact	NOUN
gujaf-144	71	13	on	on	ADP
gujaf-144	71	14	profitability	profitability	NOUN
gujaf-144	71	15	of	of	ADP
gujaf-144	71	16	those	those	DET
gujaf-144	71	17	banks	bank	NOUN
gujaf-144	71	18	being	be	AUX
gujaf-144	71	19	studied	study	VERB
gujaf-144	71	20	.	.	PUNCT
gujaf-144	72	1	also	also	ADV
gujaf-144	72	2	,	,	PUNCT
gujaf-144	72	3	the	the	DET
gujaf-144	72	4	study	study	NOUN
gujaf-144	72	5	showed	show	VERB
gujaf-144	72	6	that	that	SCONJ
gujaf-144	72	7	capital	capital	NOUN
gujaf-144	72	8	adequacy	adequacy	NOUN
gujaf-144	72	9	has	have	VERB
gujaf-144	72	10	a	a	DET
gujaf-144	72	11	significant	significant	ADJ
gujaf-144	72	12	effect	effect	NOUN
gujaf-144	72	13	on	on	ADP
gujaf-144	72	14	return	return	NOUN
gujaf-144	72	15	on	on	ADP
gujaf-144	72	16	assets	asset	NOUN
gujaf-144	72	17	,	,	PUNCT
gujaf-144	72	18	return	return	NOUN
gujaf-144	72	19	of	of	ADP
gujaf-144	72	20	equity	equity	NOUN
gujaf-144	72	21	,	,	PUNCT
gujaf-144	72	22	and	and	CCONJ
gujaf-144	72	23	return	return	VERB
gujaf-144	72	24	on	on	ADP
gujaf-144	72	25	capital	capital	NOUN
gujaf-144	72	26	being	be	AUX
gujaf-144	72	27	employed	employ	VERB
gujaf-144	72	28	.	.	PUNCT
gujaf-144	73	1	similarly	similarly	ADV
gujaf-144	73	2	,	,	PUNCT
gujaf-144	73	3	asset	asset	NOUN
gujaf-144	73	4	quality	quality	NOUN
gujaf-144	73	5	was	be	AUX
gujaf-144	73	6	found	find	VERB
gujaf-144	73	7	to	to	PART
gujaf-144	73	8	have	have	VERB
gujaf-144	73	9	a	a	DET
gujaf-144	73	10	positive	positive	ADJ
gujaf-144	73	11	and	and	CCONJ
gujaf-144	73	12	high	high	ADJ
gujaf-144	73	13	effect	effect	NOUN
gujaf-144	73	14	on	on	ADP
gujaf-144	73	15	the	the	DET
gujaf-144	73	16	drivers	driver	NOUN
gujaf-144	73	17	of	of	ADP
gujaf-144	73	18	performance	performance	NOUN
gujaf-144	73	19	.	.	PUNCT
gujaf-144	74	1	the	the	DET
gujaf-144	74	2	main	main	ADJ
gujaf-144	74	3	shortcoming	shortcoming	NOUN
gujaf-144	74	4	of	of	ADP
gujaf-144	74	5	chiwendo	chiwendo	PROPN
gujaf-144	74	6	’s	’s	PART
gujaf-144	74	7	work	work	NOUN
gujaf-144	74	8	was	be	AUX
gujaf-144	74	9	the	the	DET
gujaf-144	74	10	scope	scope	NOUN
gujaf-144	74	11	which	which	PRON
gujaf-144	74	12	involved	involve	VERB
gujaf-144	74	13	banks	bank	NOUN
gujaf-144	74	14	in	in	ADP
gujaf-144	74	15	nigeria	nigeria	PROPN
gujaf-144	74	16	and	and	CCONJ
gujaf-144	74	17	limited	limit	VERB
gujaf-144	74	18	its	its	PRON
gujaf-144	74	19	findings	finding	NOUN
gujaf-144	74	20	on	on	ADP
gujaf-144	74	21	deposit	deposit	NOUN
gujaf-144	74	22	money	money	NOUN
gujaf-144	74	23	banks	bank	NOUN
gujaf-144	74	24	while	while	SCONJ
gujaf-144	74	25	ignoring	ignore	VERB
gujaf-144	74	26	development	development	NOUN
gujaf-144	74	27	banks	bank	NOUN
gujaf-144	74	28	like	like	ADP
gujaf-144	74	29	bank	bank	NOUN
gujaf-144	74	30	of	of	ADP
gujaf-144	74	31	industry	industry	NOUN
gujaf-144	74	32	,	,	PUNCT
gujaf-144	74	33	bank	bank	NOUN
gujaf-144	74	34	of	of	ADP
gujaf-144	74	35	agriculture	agriculture	NOUN
gujaf-144	74	36	and	and	CCONJ
gujaf-144	74	37	mortgage	mortgage	NOUN
gujaf-144	74	38	banks	bank	NOUN
gujaf-144	74	39	therefore	therefore	ADV
gujaf-144	74	40	his	his	PRON
gujaf-144	74	41	findings	finding	NOUN
gujaf-144	74	42	can	can	AUX
gujaf-144	74	43	not	not	PART
gujaf-144	74	44	be	be	AUX
gujaf-144	74	45	generalized	generalize	VERB
gujaf-144	74	46	due	due	ADJ
gujaf-144	74	47	its	its	PRON
gujaf-144	74	48	broad	broad	ADJ
gujaf-144	74	49	scope	scope	NOUN
gujaf-144	74	50	and	and	CCONJ
gujaf-144	74	51	limited	limited	ADJ
gujaf-144	74	52	sample	sample	NOUN
gujaf-144	74	53	size	size	NOUN
gujaf-144	74	54	.	.	PUNCT
gujaf-144	75	1	anandasayanan	anandasayanan	NOUN
gujaf-144	75	2	and	and	CCONJ
gujaf-144	75	3	subramaniam	subramaniam	PROPN
gujaf-144	75	4	(	(	PUNCT
gujaf-144	75	5	2020	2020	NUM
gujaf-144	75	6	)	)	PUNCT
gujaf-144	75	7	assessed	assess	VERB
gujaf-144	75	8	the	the	DET
gujaf-144	75	9	effect	effect	NOUN
gujaf-144	75	10	of	of	ADP
gujaf-144	75	11	liquidity	liquidity	NOUN
gujaf-144	75	12	management	management	NOUN
gujaf-144	75	13	on	on	ADP
gujaf-144	75	14	banks	bank	NOUN
gujaf-144	75	15	profitability	profitability	NOUN
gujaf-144	75	16	in	in	ADP
gujaf-144	75	17	sri	sri	PROPN
gujaf-144	75	18	lanka	lanka	PROPN
gujaf-144	75	19	.	.	PUNCT
gujaf-144	76	1	the	the	DET
gujaf-144	76	2	research	research	NOUN
gujaf-144	76	3	work	work	NOUN
gujaf-144	76	4	used	use	VERB
gujaf-144	76	5	26	26	NUM
gujaf-144	76	6	commercial	commercial	ADJ
gujaf-144	76	7	banks	bank	NOUN
gujaf-144	76	8	in	in	ADP
gujaf-144	76	9	sri	sri	PROPN
gujaf-144	76	10	lanka	lanka	PROPN
gujaf-144	76	11	from	from	ADP
gujaf-144	76	12	1998	1998	NUM
gujaf-144	76	13	to	to	ADP
gujaf-144	76	14	2017	2017	NUM
gujaf-144	76	15	,	,	PUNCT
gujaf-144	76	16	making	make	VERB
gujaf-144	76	17	it	it	PRON
gujaf-144	76	18	a	a	DET
gujaf-144	76	19	period	period	NOUN
gujaf-144	76	20	of	of	ADP
gujaf-144	76	21	20	20	NUM
gujaf-144	76	22	years	year	NOUN
gujaf-144	76	23	.	.	PUNCT
gujaf-144	77	1	the	the	DET
gujaf-144	77	2	findings	finding	NOUN
gujaf-144	77	3	of	of	ADP
gujaf-144	77	4	the	the	DET
gujaf-144	77	5	research	research	NOUN
gujaf-144	77	6	showed	show	VERB
gujaf-144	77	7	that	that	SCONJ
gujaf-144	77	8	there	there	PRON
gujaf-144	77	9	is	be	VERB
gujaf-144	77	10	positive	positive	ADJ
gujaf-144	77	11	association	association	NOUN
gujaf-144	77	12	between	between	ADP
gujaf-144	77	13	return	return	NOUN
gujaf-144	77	14	on	on	ADP
gujaf-144	77	15	asset	asset	NOUN
gujaf-144	77	16	and	and	CCONJ
gujaf-144	77	17	capitalization	capitalization	NOUN
gujaf-144	77	18	ratio	ratio	NOUN
gujaf-144	77	19	,	,	PUNCT
gujaf-144	77	20	whilst	whilst	SCONJ
gujaf-144	77	21	a	a	DET
gujaf-144	77	22	negative	negative	ADJ
gujaf-144	77	23	relationship	relationship	NOUN
gujaf-144	77	24	was	be	AUX
gujaf-144	77	25	found	find	VERB
gujaf-144	77	26	6	6	NUM
gujaf-144	77	27	between	between	ADP
gujaf-144	77	28	capital	capital	NOUN
gujaf-144	77	29	adequacy	adequacy	NOUN
gujaf-144	77	30	ratio	ratio	NOUN
gujaf-144	77	31	and	and	CCONJ
gujaf-144	77	32	return	return	NOUN
gujaf-144	77	33	on	on	ADP
gujaf-144	77	34	asset	asset	NOUN
gujaf-144	77	35	and	and	CCONJ
gujaf-144	77	36	the	the	DET
gujaf-144	77	37	results	result	NOUN
gujaf-144	77	38	from	from	ADP
gujaf-144	77	39	the	the	DET
gujaf-144	77	40	regression	regression	NOUN
gujaf-144	77	41	analysis	analysis	NOUN
gujaf-144	77	42	also	also	ADV
gujaf-144	77	43	identified	identify	VERB
gujaf-144	77	44	that	that	SCONJ
gujaf-144	77	45	liquidity	liquidity	NOUN
gujaf-144	77	46	has	have	VERB
gujaf-144	77	47	a	a	DET
gujaf-144	77	48	very	very	ADV
gujaf-144	77	49	high	high	ADJ
gujaf-144	77	50	impact	impact	NOUN
gujaf-144	77	51	on	on	ADP
gujaf-144	77	52	profitability	profitability	NOUN
gujaf-144	77	53	.	.	PUNCT
gujaf-144	78	1	a	a	DET
gujaf-144	78	2	study	study	NOUN
gujaf-144	78	3	carried	carry	VERB
gujaf-144	78	4	out	out	ADP
gujaf-144	78	5	by	by	ADP
gujaf-144	78	6	ali	ali	PROPN
gujaf-144	78	7	(	(	PUNCT
gujaf-144	78	8	2020	2020	NUM
gujaf-144	78	9	)	)	PUNCT
gujaf-144	78	10	about	about	ADP
gujaf-144	78	11	the	the	DET
gujaf-144	78	12	impact	impact	NOUN
gujaf-144	78	13	of	of	ADP
gujaf-144	78	14	liquidity	liquidity	NOUN
gujaf-144	78	15	on	on	ADP
gujaf-144	78	16	financial	financial	ADJ
gujaf-144	78	17	performance	performance	NOUN
gujaf-144	78	18	of	of	ADP
gujaf-144	78	19	ten	ten	NUM
gujaf-144	78	20	commercial	commercial	ADJ
gujaf-144	78	21	banks	bank	NOUN
gujaf-144	78	22	whose	whose	DET
gujaf-144	78	23	shares	share	NOUN
gujaf-144	78	24	are	be	AUX
gujaf-144	78	25	listed	list	VERB
gujaf-144	78	26	in	in	ADP
gujaf-144	78	27	kuwaiti	kuwaiti	PROPN
gujaf-144	78	28	stock	stock	PROPN
gujaf-144	78	29	exchange	exchange	PROPN
gujaf-144	78	30	from	from	ADP
gujaf-144	78	31	2010	2010	NUM
gujaf-144	78	32	to	to	ADP
gujaf-144	78	33	2018	2018	NUM
gujaf-144	78	34	,	,	PUNCT
gujaf-144	78	35	shows	show	VERB
gujaf-144	78	36	that	that	SCONJ
gujaf-144	78	37	“	"	PUNCT
gujaf-144	78	38	statistically	statistically	ADV
gujaf-144	78	39	,	,	PUNCT
gujaf-144	78	40	there	there	PRON
gujaf-144	78	41	is	be	VERB
gujaf-144	78	42	very	very	ADV
gujaf-144	78	43	high	high	ADJ
gujaf-144	78	44	and	and	CCONJ
gujaf-144	78	45	direct	direct	ADJ
gujaf-144	78	46	relationship	relationship	NOUN
gujaf-144	78	47	among	among	ADP
gujaf-144	78	48	return	return	NOUN
gujaf-144	78	49	on	on	ADP
gujaf-144	78	50	asset	asset	NOUN
gujaf-144	78	51	and	and	CCONJ
gujaf-144	78	52	ratio	ratio	NOUN
gujaf-144	78	53	of	of	ADP
gujaf-144	78	54	loans	loan	NOUN
gujaf-144	78	55	to	to	ADP
gujaf-144	78	56	total	total	ADJ
gujaf-144	78	57	assets	asset	NOUN
gujaf-144	78	58	,	,	PUNCT
gujaf-144	78	59	the	the	DET
gujaf-144	78	60	ratio	ratio	NOUN
gujaf-144	78	61	of	of	ADP
gujaf-144	78	62	loans	loan	NOUN
gujaf-144	78	63	and	and	CCONJ
gujaf-144	78	64	deposit	deposit	NOUN
gujaf-144	78	65	and	and	CCONJ
gujaf-144	78	66	ratio	ratio	NOUN
gujaf-144	78	67	of	of	ADP
gujaf-144	78	68	the	the	DET
gujaf-144	78	69	financing	financing	NOUN
gujaf-144	78	70	deficit	deficit	NOUN
gujaf-144	78	71	to	to	ADP
gujaf-144	78	72	total	total	ADJ
gujaf-144	78	73	assets	asset	NOUN
gujaf-144	78	74	”	"	PUNCT
gujaf-144	78	75	.	.	PUNCT
gujaf-144	79	1	the	the	DET
gujaf-144	79	2	analysis	analysis	NOUN
gujaf-144	79	3	also	also	ADV
gujaf-144	79	4	shows	show	VERB
gujaf-144	79	5	an	an	DET
gujaf-144	79	6	inverse	inverse	NOUN
gujaf-144	79	7	relationship	relationship	NOUN
gujaf-144	79	8	the	the	PRON
gujaf-144	79	9	is	be	AUX
gujaf-144	79	10	significant	significant	ADJ
gujaf-144	79	11	existed	exist	VERB
gujaf-144	79	12	between	between	ADP
gujaf-144	79	13	return	return	NOUN
gujaf-144	79	14	on	on	ADP
gujaf-144	79	15	asset	asset	NOUN
gujaf-144	79	16	of	of	ADP
gujaf-144	79	17	liquid	liquid	ADJ
gujaf-144	79	18	assets	asset	NOUN
gujaf-144	79	19	and	and	CCONJ
gujaf-144	79	20	the	the	DET
gujaf-144	79	21	total	total	ADJ
gujaf-144	79	22	assets	asset	NOUN
gujaf-144	79	23	and	and	CCONJ
gujaf-144	79	24	the	the	DET
gujaf-144	79	25	ratio	ratio	NOUN
gujaf-144	79	26	of	of	ADP
gujaf-144	79	27	liquid	liquid	ADJ
gujaf-144	79	28	assets	asset	NOUN
gujaf-144	79	29	and	and	CCONJ
gujaf-144	79	30	deposits	deposit	NOUN
gujaf-144	79	31	.	.	PUNCT
gujaf-144	80	1	therefore	therefore	ADV
gujaf-144	80	2	,	,	PUNCT
gujaf-144	80	3	return	return	VERB
gujaf-144	80	4	on	on	ADP
gujaf-144	80	5	equity	equity	NOUN
gujaf-144	80	6	had	have	VERB
gujaf-144	80	7	a	a	DET
gujaf-144	80	8	very	very	ADV
gujaf-144	80	9	high	high	ADJ
gujaf-144	80	10	response	response	NOUN
gujaf-144	80	11	only	only	ADV
gujaf-144	80	12	on	on	ADP
gujaf-144	80	13	liquid	liquid	ADJ
gujaf-144	80	14	assets	asset	NOUN
gujaf-144	80	15	,	,	PUNCT
gujaf-144	80	16	deposits	deposit	NOUN
gujaf-144	80	17	,	,	PUNCT
gujaf-144	80	18	and	and	CCONJ
gujaf-144	80	19	deficit	deficit	NOUN
gujaf-144	80	20	of	of	ADP
gujaf-144	80	21	funding	fund	VERB
gujaf-144	80	22	the	the	DET
gujaf-144	80	23	asset	asset	NOUN
gujaf-144	80	24	.	.	PUNCT
gujaf-144	81	1	a	a	DET
gujaf-144	81	2	study	study	NOUN
gujaf-144	81	3	on	on	ADP
gujaf-144	81	4	the	the	DET
gujaf-144	81	5	impact	impact	NOUN
gujaf-144	81	6	of	of	ADP
gujaf-144	81	7	liquidity	liquidity	NOUN
gujaf-144	81	8	on	on	ADP
gujaf-144	81	9	profitability	profitability	NOUN
gujaf-144	81	10	in	in	ADP
gujaf-144	81	11	textile	textile	NOUN
gujaf-144	81	12	sector	sector	NOUN
gujaf-144	81	13	in	in	ADP
gujaf-144	81	14	pakistan	pakistan	PROPN
gujaf-144	81	15	by	by	ADP
gujaf-144	81	16	sattar	sattar	PROPN
gujaf-144	81	17	(	(	PUNCT
gujaf-144	81	18	2020	2020	NUM
gujaf-144	81	19	)	)	PUNCT
gujaf-144	81	20	whose	whose	DET
gujaf-144	81	21	result	result	NOUN
gujaf-144	81	22	from	from	ADP
gujaf-144	81	23	the	the	DET
gujaf-144	81	24	simple	simple	ADJ
gujaf-144	81	25	regression	regression	NOUN
gujaf-144	81	26	using	use	VERB
gujaf-144	81	27	stata	stata	NOUN
gujaf-144	81	28	12	12	NUM
gujaf-144	81	29	showed	show	VERB
gujaf-144	81	30	that	that	SCONJ
gujaf-144	81	31	current	current	ADJ
gujaf-144	81	32	ratio	ratio	NOUN
gujaf-144	81	33	has	have	VERB
gujaf-144	81	34	a	a	DET
gujaf-144	81	35	significant	significant	ADJ
gujaf-144	81	36	and	and	CCONJ
gujaf-144	81	37	positive	positive	ADJ
gujaf-144	81	38	impact	impact	NOUN
gujaf-144	81	39	on	on	ADP
gujaf-144	81	40	return	return	NOUN
gujaf-144	81	41	on	on	ADP
gujaf-144	81	42	equity	equity	NOUN
gujaf-144	81	43	and	and	CCONJ
gujaf-144	81	44	return	return	NOUN
gujaf-144	81	45	on	on	ADP
gujaf-144	81	46	capital	capital	NOUN
gujaf-144	81	47	deployed	deploy	VERB
gujaf-144	81	48	in	in	ADP
gujaf-144	81	49	2014	2014	NUM
gujaf-144	81	50	.	.	PUNCT
gujaf-144	82	1	so	so	ADV
gujaf-144	82	2	also	also	ADV
gujaf-144	82	3	in	in	ADP
gujaf-144	82	4	2015	2015	NUM
gujaf-144	82	5	,	,	PUNCT
gujaf-144	82	6	current	current	ADJ
gujaf-144	82	7	ratio	ratio	NOUN
gujaf-144	82	8	has	have	VERB
gujaf-144	82	9	reasonable	reasonable	ADJ
gujaf-144	82	10	but	but	CCONJ
gujaf-144	82	11	positive	positive	ADJ
gujaf-144	82	12	effect	effect	NOUN
gujaf-144	82	13	on	on	ADP
gujaf-144	82	14	return	return	NOUN
gujaf-144	82	15	on	on	ADP
gujaf-144	82	16	capital	capital	NOUN
gujaf-144	82	17	employed	employ	VERB
gujaf-144	82	18	and	and	CCONJ
gujaf-144	82	19	return	return	VERB
gujaf-144	82	20	on	on	ADP
gujaf-144	82	21	equity	equity	NOUN
gujaf-144	82	22	.	.	PUNCT
gujaf-144	83	1	mwambui	mwambui	PROPN
gujaf-144	83	2	and	and	CCONJ
gujaf-144	83	3	koori	koori	PROPN
gujaf-144	83	4	(	(	PUNCT
gujaf-144	83	5	2019	2019	NUM
gujaf-144	83	6	)	)	PUNCT
gujaf-144	83	7	assessed	assess	VERB
gujaf-144	83	8	the	the	DET
gujaf-144	83	9	effect	effect	NOUN
gujaf-144	83	10	of	of	ADP
gujaf-144	83	11	liquidity	liquidity	NOUN
gujaf-144	83	12	management	management	NOUN
gujaf-144	83	13	and	and	CCONJ
gujaf-144	83	14	financial	financial	ADJ
gujaf-144	83	15	performance	performance	NOUN
gujaf-144	83	16	of	of	ADP
gujaf-144	83	17	microfinance	microfinance	NOUN
gujaf-144	83	18	banks	bank	NOUN
gujaf-144	83	19	in	in	ADP
gujaf-144	83	20	nairobi	nairobi	PROPN
gujaf-144	83	21	city	city	PROPN
gujaf-144	83	22	county	county	PROPN
gujaf-144	83	23	for	for	ADP
gujaf-144	83	24	the	the	DET
gujaf-144	83	25	period	period	NOUN
gujaf-144	83	26	2011	2011	NUM
gujaf-144	83	27	to	to	ADP
gujaf-144	83	28	2017	2017	NUM
gujaf-144	83	29	.	.	PUNCT
gujaf-144	84	1	thirteen	thirteen	NUM
gujaf-144	84	2	microfinance	microfinance	NOUN
gujaf-144	84	3	banks	bank	NOUN
gujaf-144	84	4	made	make	VERB
gujaf-144	84	5	up	up	ADP
gujaf-144	84	6	the	the	DET
gujaf-144	84	7	population	population	NOUN
gujaf-144	84	8	of	of	ADP
gujaf-144	84	9	the	the	DET
gujaf-144	84	10	study	study	NOUN
gujaf-144	84	11	.	.	PUNCT
gujaf-144	85	1	for	for	ADP
gujaf-144	85	2	the	the	DET
gujaf-144	85	3	secondary	secondary	ADJ
gujaf-144	85	4	and	and	CCONJ
gujaf-144	85	5	primary	primary	ADJ
gujaf-144	85	6	data	datum	NOUN
gujaf-144	85	7	,	,	PUNCT
gujaf-144	85	8	a	a	DET
gujaf-144	85	9	descriptive	descriptive	ADJ
gujaf-144	85	10	survey	survey	NOUN
gujaf-144	85	11	research	research	NOUN
gujaf-144	85	12	design	design	NOUN
gujaf-144	85	13	was	be	AUX
gujaf-144	85	14	employed	employ	VERB
gujaf-144	85	15	for	for	ADP
gujaf-144	85	16	them	they	PRON
gujaf-144	85	17	.	.	PUNCT
gujaf-144	86	1	data	datum	NOUN
gujaf-144	86	2	analysis	analysis	NOUN
gujaf-144	86	3	for	for	ADP
gujaf-144	86	4	the	the	DET
gujaf-144	86	5	study	study	NOUN
gujaf-144	86	6	was	be	AUX
gujaf-144	86	7	carried	carry	VERB
gujaf-144	86	8	out	out	ADP
gujaf-144	86	9	with	with	ADP
gujaf-144	86	10	the	the	DET
gujaf-144	86	11	use	use	NOUN
gujaf-144	86	12	of	of	ADP
gujaf-144	86	13	spss	spss	PROPN
gujaf-144	86	14	version	version	NOUN
gujaf-144	86	15	22.0	22.0	NUM
gujaf-144	86	16	.	.	PUNCT
gujaf-144	87	1	the	the	DET
gujaf-144	87	2	it	it	PRON
gujaf-144	87	3	was	be	AUX
gujaf-144	87	4	discovered	discover	VERB
gujaf-144	87	5	in	in	ADP
gujaf-144	87	6	the	the	DET
gujaf-144	87	7	study	study	NOUN
gujaf-144	87	8	that	that	SCONJ
gujaf-144	87	9	there	there	PRON
gujaf-144	87	10	is	be	VERB
gujaf-144	87	11	no	no	DET
gujaf-144	87	12	reasonable	reasonable	ADJ
gujaf-144	87	13	but	but	CCONJ
gujaf-144	87	14	weak	weak	ADJ
gujaf-144	87	15	and	and	CCONJ
gujaf-144	87	16	positive	positive	ADJ
gujaf-144	87	17	relationship	relationship	NOUN
gujaf-144	87	18	between	between	ADP
gujaf-144	87	19	capital	capital	NOUN
gujaf-144	87	20	sufficiency	sufficiency	NOUN
gujaf-144	87	21	and	and	CCONJ
gujaf-144	87	22	financial	financial	ADJ
gujaf-144	87	23	performance	performance	NOUN
gujaf-144	87	24	,	,	PUNCT
gujaf-144	87	25	whereas	whereas	SCONJ
gujaf-144	87	26	the	the	DET
gujaf-144	87	27	relationship	relationship	NOUN
gujaf-144	87	28	between	between	ADP
gujaf-144	87	29	loan	loan	NOUN
gujaf-144	87	30	repayments	repayment	NOUN
gujaf-144	87	31	and	and	CCONJ
gujaf-144	87	32	cash	cash	NOUN
gujaf-144	87	33	management	management	NOUN
gujaf-144	87	34	is	be	AUX
gujaf-144	87	35	significant	significant	ADJ
gujaf-144	87	36	and	and	CCONJ
gujaf-144	87	37	positive	positive	ADJ
gujaf-144	87	38	with	with	ADP
gujaf-144	87	39	microfinance	microfinance	NOUN
gujaf-144	87	40	banks	bank	NOUN
gujaf-144	87	41	financial	financial	ADJ
gujaf-144	87	42	performance	performance	NOUN
gujaf-144	87	43	.	.	PUNCT
gujaf-144	88	1	kitere	kitere	NOUN
gujaf-144	88	2	,	,	PUNCT
gujaf-144	88	3	namusonge	namusonge	ADJ
gujaf-144	88	4	and	and	CCONJ
gujaf-144	88	5	makokha	makokha	NOUN
gujaf-144	88	6	(	(	PUNCT
gujaf-144	88	7	2019	2019	NUM
gujaf-144	88	8	)	)	PUNCT
gujaf-144	88	9	analyzed	analyze	VERB
gujaf-144	88	10	the	the	DET
gujaf-144	88	11	effect	effect	NOUN
gujaf-144	88	12	of	of	ADP
gujaf-144	88	13	liquidity	liquidity	NOUN
gujaf-144	88	14	management	management	NOUN
gujaf-144	88	15	on	on	ADP
gujaf-144	88	16	performance	performance	NOUN
gujaf-144	88	17	of	of	ADP
gujaf-144	88	18	commercial	commercial	ADJ
gujaf-144	88	19	banks	bank	NOUN
gujaf-144	88	20	in	in	ADP
gujaf-144	88	21	kenya	kenya	PROPN
gujaf-144	88	22	where	where	SCONJ
gujaf-144	88	23	a	a	DET
gujaf-144	88	24	mixed	mixed	ADJ
gujaf-144	88	25	research	research	NOUN
gujaf-144	88	26	design	design	NOUN
gujaf-144	88	27	was	be	AUX
gujaf-144	88	28	adopted	adopt	VERB
gujaf-144	88	29	for	for	ADP
gujaf-144	88	30	the	the	DET
gujaf-144	88	31	study	study	NOUN
gujaf-144	88	32	.	.	PUNCT
gujaf-144	89	1	the	the	DET
gujaf-144	89	2	population	population	NOUN
gujaf-144	89	3	of	of	ADP
gujaf-144	89	4	the	the	DET
gujaf-144	89	5	study	study	NOUN
gujaf-144	89	6	was	be	AUX
gujaf-144	89	7	made	make	VERB
gujaf-144	89	8	up	up	ADP
gujaf-144	89	9	by	by	ADP
gujaf-144	89	10	the	the	DET
gujaf-144	89	11	6913	6913	NUM
gujaf-144	89	12	employees	employee	NOUN
gujaf-144	89	13	in	in	ADP
gujaf-144	89	14	management	management	NOUN
gujaf-144	89	15	and	and	CCONJ
gujaf-144	89	16	supervisory	supervisory	ADJ
gujaf-144	89	17	cadres	cadre	NOUN
gujaf-144	89	18	in	in	ADP
gujaf-144	89	19	commercial	commercial	ADJ
gujaf-144	89	20	banks	bank	NOUN
gujaf-144	89	21	in	in	ADP
gujaf-144	89	22	kenya	kenya	PROPN
gujaf-144	89	23	.	.	PUNCT
gujaf-144	90	1	the	the	DET
gujaf-144	90	2	sampling	sample	VERB
gujaf-144	90	3	approach	approach	NOUN
gujaf-144	90	4	used	use	VERB
gujaf-144	90	5	was	be	AUX
gujaf-144	90	6	stratified	stratify	VERB
gujaf-144	90	7	and	and	CCONJ
gujaf-144	90	8	unstructured	unstructured	ADJ
gujaf-144	90	9	and	and	CCONJ
gujaf-144	90	10	structured	structured	ADJ
gujaf-144	90	11	questionnaires	questionnaire	NOUN
gujaf-144	90	12	were	be	AUX
gujaf-144	90	13	the	the	DET
gujaf-144	90	14	tool	tool	NOUN
gujaf-144	90	15	for	for	ADP
gujaf-144	90	16	data	data	NOUN
gujaf-144	90	17	collection	collection	NOUN
gujaf-144	90	18	and	and	CCONJ
gujaf-144	90	19	the	the	DET
gujaf-144	90	20	source	source	NOUN
gujaf-144	90	21	of	of	ADP
gujaf-144	90	22	data	datum	NOUN
gujaf-144	90	23	were	be	AUX
gujaf-144	90	24	both	both	PRON
gujaf-144	90	25	secondary	secondary	ADJ
gujaf-144	90	26	and	and	CCONJ
gujaf-144	90	27	primary	primary	ADJ
gujaf-144	90	28	.	.	PUNCT
gujaf-144	91	1	the	the	DET
gujaf-144	91	2	spss	spss	PROPN
gujaf-144	91	3	version	version	PROPN
gujaf-144	91	4	21	21	NUM
gujaf-144	91	5	was	be	AUX
gujaf-144	91	6	used	use	VERB
gujaf-144	91	7	for	for	ADP
gujaf-144	91	8	analyzing	analyzing	NOUN
gujaf-144	91	9	of	of	ADP
gujaf-144	91	10	the	the	DET
gujaf-144	91	11	data	datum	NOUN
gujaf-144	91	12	.	.	PUNCT
gujaf-144	92	1	the	the	DET
gujaf-144	92	2	significant	significant	ADJ
gujaf-144	92	3	levels	level	NOUN
gujaf-144	92	4	of	of	ADP
gujaf-144	92	5	the	the	DET
gujaf-144	92	6	variables	variable	NOUN
gujaf-144	92	7	were	be	AUX
gujaf-144	92	8	tested	test	VERB
gujaf-144	92	9	using	use	VERB
gujaf-144	92	10	regression	regression	NOUN
gujaf-144	92	11	analysis	analysis	NOUN
gujaf-144	92	12	and	and	CCONJ
gujaf-144	92	13	hypotheses	hypothesis	NOUN
gujaf-144	92	14	were	be	AUX
gujaf-144	92	15	tested	test	VERB
gujaf-144	92	16	by	by	ADP
gujaf-144	92	17	anova	anova	PROPN
gujaf-144	92	18	to	to	PART
gujaf-144	92	19	test	test	VERB
gujaf-144	92	20	the	the	DET
gujaf-144	92	21	significant	significant	ADJ
gujaf-144	92	22	levels	level	NOUN
gujaf-144	92	23	of	of	ADP
gujaf-144	92	24	one	one	NUM
gujaf-144	92	25	variable	variable	NOUN
gujaf-144	92	26	7	7	NUM
gujaf-144	92	27	to	to	ADP
gujaf-144	92	28	the	the	DET
gujaf-144	92	29	other	other	ADJ
gujaf-144	92	30	in	in	ADP
gujaf-144	92	31	the	the	DET
gujaf-144	92	32	study	study	NOUN
gujaf-144	92	33	.	.	PUNCT
gujaf-144	93	1	the	the	DET
gujaf-144	93	2	results	result	NOUN
gujaf-144	93	3	showed	show	VERB
gujaf-144	93	4	that	that	SCONJ
gujaf-144	93	5	the	the	DET
gujaf-144	93	6	effect	effect	NOUN
gujaf-144	93	7	of	of	ADP
gujaf-144	93	8	liquidity	liquidity	NOUN
gujaf-144	93	9	management	management	NOUN
gujaf-144	93	10	on	on	ADP
gujaf-144	93	11	the	the	DET
gujaf-144	93	12	performance	performance	NOUN
gujaf-144	93	13	of	of	ADP
gujaf-144	93	14	commercial	commercial	ADJ
gujaf-144	93	15	banks	bank	NOUN
gujaf-144	93	16	in	in	ADP
gujaf-144	93	17	kenya	kenya	PROPN
gujaf-144	93	18	is	be	AUX
gujaf-144	93	19	positive	positive	ADJ
gujaf-144	93	20	and	and	CCONJ
gujaf-144	93	21	significant	significant	ADJ
gujaf-144	93	22	.	.	PUNCT
gujaf-144	94	1	there	there	PRON
gujaf-144	94	2	was	be	VERB
gujaf-144	94	3	an	an	DET
gujaf-144	94	4	attempt	attempt	NOUN
gujaf-144	94	5	by	by	ADP
gujaf-144	94	6	satyakama	satyakama	NOUN
gujaf-144	94	7	and	and	CCONJ
gujaf-144	94	8	bhusan	bhusan	PROPN
gujaf-144	94	9	(	(	PUNCT
gujaf-144	94	10	2019	2019	NUM
gujaf-144	94	11	)	)	PUNCT
gujaf-144	94	12	to	to	PART
gujaf-144	94	13	analyze	analyze	VERB
gujaf-144	94	14	the	the	DET
gujaf-144	94	15	impact	impact	NOUN
gujaf-144	94	16	the	the	DET
gujaf-144	94	17	liquidity	liquidity	NOUN
gujaf-144	94	18	management	management	NOUN
gujaf-144	94	19	on	on	ADP
gujaf-144	94	20	the	the	DET
gujaf-144	94	21	profitability	profitability	NOUN
gujaf-144	94	22	of	of	ADP
gujaf-144	94	23	private	private	ADJ
gujaf-144	94	24	sector	sector	NOUN
gujaf-144	94	25	banks	bank	NOUN
gujaf-144	94	26	in	in	ADP
gujaf-144	94	27	india	india	PROPN
gujaf-144	94	28	where	where	SCONJ
gujaf-144	94	29	they	they	PRON
gujaf-144	94	30	use	use	VERB
gujaf-144	94	31	ten	ten	NUM
gujaf-144	94	32	(	(	PUNCT
gujaf-144	94	33	10	10	NUM
gujaf-144	94	34	)	)	PUNCT
gujaf-144	94	35	banks	bank	NOUN
gujaf-144	94	36	privately	privately	ADV
gujaf-144	94	37	owned	own	VERB
gujaf-144	94	38	by	by	ADP
gujaf-144	94	39	individuals	individual	NOUN
gujaf-144	94	40	from	from	ADP
gujaf-144	94	41	2013	2013	NUM
gujaf-144	94	42	to	to	ADP
gujaf-144	94	43	2017	2017	NUM
gujaf-144	94	44	.	.	PUNCT
gujaf-144	95	1	it	it	PRON
gujaf-144	95	2	was	be	AUX
gujaf-144	95	3	showed	show	VERB
gujaf-144	95	4	in	in	ADP
gujaf-144	95	5	the	the	DET
gujaf-144	95	6	study	study	NOUN
gujaf-144	95	7	that	that	SCONJ
gujaf-144	95	8	there	there	PRON
gujaf-144	95	9	exists	exist	VERB
gujaf-144	95	10	a	a	DET
gujaf-144	95	11	significant	significant	ADJ
gujaf-144	95	12	negative	negative	ADJ
gujaf-144	95	13	effect	effect	NOUN
gujaf-144	95	14	of	of	ADP
gujaf-144	95	15	cash	cash	NOUN
gujaf-144	95	16	to	to	PART
gujaf-144	95	17	deposit	deposit	VERB
gujaf-144	95	18	ratio	ratio	NOUN
gujaf-144	95	19	and	and	CCONJ
gujaf-144	95	20	investment	investment	NOUN
gujaf-144	95	21	to	to	PART
gujaf-144	95	22	deposit	deposit	VERB
gujaf-144	95	23	ratio	ratio	NOUN
gujaf-144	95	24	on	on	ADP
gujaf-144	95	25	return	return	NOUN
gujaf-144	95	26	on	on	ADP
gujaf-144	95	27	assets	asset	NOUN
gujaf-144	95	28	,	,	PUNCT
gujaf-144	95	29	while	while	SCONJ
gujaf-144	95	30	the	the	DET
gujaf-144	95	31	relationship	relationship	NOUN
gujaf-144	95	32	between	between	ADP
gujaf-144	95	33	liquidity	liquidity	NOUN
gujaf-144	95	34	and	and	CCONJ
gujaf-144	95	35	profitability	profitability	NOUN
gujaf-144	95	36	of	of	ADP
gujaf-144	95	37	the	the	DET
gujaf-144	95	38	variables	variable	NOUN
gujaf-144	95	39	under	under	ADP
gujaf-144	95	40	study	study	NOUN
gujaf-144	95	41	was	be	AUX
gujaf-144	95	42	significant	significant	ADJ
gujaf-144	95	43	in	in	ADP
gujaf-144	95	44	the	the	DET
gujaf-144	95	45	case	case	NOUN
gujaf-144	95	46	of	of	ADP
gujaf-144	95	47	return	return	NOUN
gujaf-144	95	48	on	on	ADP
gujaf-144	95	49	equity	equity	NOUN
gujaf-144	95	50	.	.	PUNCT
gujaf-144	96	1	otekunrin	otekunrin	NOUN
gujaf-144	96	2	et	et	PROPN
gujaf-144	96	3	al	al	PROPN
gujaf-144	96	4	(	(	PUNCT
gujaf-144	96	5	2019	2019	NUM
gujaf-144	96	6	)	)	PUNCT
gujaf-144	96	7	studied	study	VERB
gujaf-144	96	8	the	the	DET
gujaf-144	96	9	performance	performance	NOUN
gujaf-144	96	10	of	of	ADP
gujaf-144	96	11	selected	select	VERB
gujaf-144	96	12	deposit	deposit	NOUN
gujaf-144	96	13	banks	bank	NOUN
gujaf-144	96	14	in	in	ADP
gujaf-144	96	15	nigeria	nigeria	PROPN
gujaf-144	96	16	and	and	CCONJ
gujaf-144	96	17	liquidity	liquidity	NOUN
gujaf-144	96	18	management	management	NOUN
gujaf-144	96	19	where	where	SCONJ
gujaf-144	96	20	he	he	PRON
gujaf-144	96	21	used	use	VERB
gujaf-144	96	22	secondary	secondary	ADJ
gujaf-144	96	23	data	datum	NOUN
gujaf-144	96	24	source	source	NOUN
gujaf-144	96	25	obtained	obtain	VERB
gujaf-144	96	26	from	from	ADP
gujaf-144	96	27	the	the	DET
gujaf-144	96	28	annual	annual	ADJ
gujaf-144	96	29	reports	report	NOUN
gujaf-144	96	30	of	of	ADP
gujaf-144	96	31	fifteen	fifteen	NUM
gujaf-144	96	32	deposit	deposit	NOUN
gujaf-144	96	33	money	money	NOUN
gujaf-144	96	34	banks	bank	NOUN
gujaf-144	96	35	from	from	ADP
gujaf-144	96	36	the	the	DET
gujaf-144	96	37	total	total	NOUN
gujaf-144	96	38	of	of	ADP
gujaf-144	96	39	17	17	NUM
gujaf-144	96	40	deposit	deposit	NOUN
gujaf-144	96	41	money	money	NOUN
gujaf-144	96	42	banks	bank	NOUN
gujaf-144	96	43	in	in	ADP
gujaf-144	96	44	nigeria	nigeria	PROPN
gujaf-144	96	45	that	that	PRON
gujaf-144	96	46	are	be	AUX
gujaf-144	96	47	listed	list	VERB
gujaf-144	96	48	in	in	ADP
gujaf-144	96	49	nigerian	nigerian	ADJ
gujaf-144	96	50	stock	stock	NOUN
gujaf-144	96	51	exchange	exchange	NOUN
gujaf-144	96	52	from	from	ADP
gujaf-144	96	53	2012	2012	NUM
gujaf-144	96	54	to	to	ADP
gujaf-144	96	55	2017	2017	NUM
gujaf-144	96	56	.	.	PUNCT
gujaf-144	97	1	according	accord	VERB
gujaf-144	97	2	to	to	ADP
gujaf-144	97	3	the	the	DET
gujaf-144	97	4	study	study	NOUN
gujaf-144	97	5	,	,	PUNCT
gujaf-144	97	6	it	it	PRON
gujaf-144	97	7	was	be	AUX
gujaf-144	97	8	discovered	discover	VERB
gujaf-144	97	9	that	that	SCONJ
gujaf-144	97	10	liquidity	liquidity	NOUN
gujaf-144	97	11	management	management	NOUN
gujaf-144	97	12	measured	measure	VERB
gujaf-144	97	13	with	with	ADP
gujaf-144	97	14	capital	capital	NOUN
gujaf-144	97	15	ratio	ratio	NOUN
gujaf-144	97	16	,	,	PUNCT
gujaf-144	97	17	and	and	CCONJ
gujaf-144	97	18	current	current	ADJ
gujaf-144	97	19	ratio	ratio	NOUN
gujaf-144	97	20	and	and	CCONJ
gujaf-144	97	21	cash	cash	NOUN
gujaf-144	97	22	ratio	ratio	NOUN
gujaf-144	97	23	has	have	VERB
gujaf-144	97	24	a	a	DET
gujaf-144	97	25	positive	positive	ADJ
gujaf-144	97	26	relationship	relationship	NOUN
gujaf-144	97	27	performance	performance	NOUN
gujaf-144	97	28	measure	measure	NOUN
gujaf-144	97	29	with	with	ADP
gujaf-144	97	30	return	return	NOUN
gujaf-144	97	31	on	on	ADP
gujaf-144	97	32	assets	asset	NOUN
gujaf-144	97	33	.	.	PUNCT
gujaf-144	98	1	therefore	therefore	ADV
gujaf-144	98	2	,	,	PUNCT
gujaf-144	98	3	the	the	DET
gujaf-144	98	4	study	study	NOUN
gujaf-144	98	5	revealed	reveal	VERB
gujaf-144	98	6	that	that	SCONJ
gujaf-144	98	7	liquidity	liquidity	NOUN
gujaf-144	98	8	management	management	NOUN
gujaf-144	98	9	is	be	AUX
gujaf-144	98	10	vital	vital	ADJ
gujaf-144	98	11	to	to	ADP
gujaf-144	98	12	profitability	profitability	NOUN
gujaf-144	98	13	of	of	ADP
gujaf-144	98	14	any	any	DET
gujaf-144	98	15	business	business	NOUN
gujaf-144	98	16	.	.	PUNCT
gujaf-144	99	1	the	the	DET
gujaf-144	99	2	study	study	NOUN
gujaf-144	99	3	conducted	conduct	VERB
gujaf-144	99	4	by	by	ADP
gujaf-144	99	5	sanyaolu	sanyaolu	PROPN
gujaf-144	99	6	,	,	PUNCT
gujaf-144	99	7	aloa	aloa	NOUN
gujaf-144	99	8	and	and	CCONJ
gujaf-144	99	9	ojunrongbe	ojunrongbe	ADP
gujaf-144	99	10	(	(	PUNCT
gujaf-144	99	11	2019	2019	NUM
gujaf-144	99	12	)	)	PUNCT
gujaf-144	99	13	examined	examine	VERB
gujaf-144	99	14	the	the	DET
gujaf-144	99	15	effect	effect	NOUN
gujaf-144	99	16	of	of	ADP
gujaf-144	99	17	liquidity	liquidity	NOUN
gujaf-144	99	18	management	management	NOUN
gujaf-144	99	19	on	on	ADP
gujaf-144	99	20	profitability	profitability	NOUN
gujaf-144	99	21	of	of	ADP
gujaf-144	99	22	ten	ten	NUM
gujaf-144	99	23	(	(	PUNCT
gujaf-144	99	24	10	10	NUM
gujaf-144	99	25	)	)	PUNCT
gujaf-144	99	26	nigerian	nigerian	ADJ
gujaf-144	99	27	deposit	deposit	NOUN
gujaf-144	99	28	banks	bank	NOUN
gujaf-144	99	29	from	from	ADP
gujaf-144	99	30	2008	2008	NUM
gujaf-144	99	31	to	to	ADP
gujaf-144	99	32	2017	2017	NUM
gujaf-144	99	33	.	.	PUNCT
gujaf-144	100	1	the	the	DET
gujaf-144	100	2	study	study	NOUN
gujaf-144	100	3	’s	’s	PART
gujaf-144	100	4	random	random	ADJ
gujaf-144	100	5	effects	effect	NOUN
gujaf-144	100	6	generalized	generalize	VERB
gujaf-144	100	7	least	least	ADJ
gujaf-144	100	8	square	square	ADJ
gujaf-144	100	9	estimate	estimate	NOUN
gujaf-144	100	10	showed	show	VERB
gujaf-144	100	11	that	that	SCONJ
gujaf-144	100	12	a	a	DET
gujaf-144	100	13	positive	positive	ADJ
gujaf-144	100	14	and	and	CCONJ
gujaf-144	100	15	statistically	statistically	ADV
gujaf-144	100	16	significant	significant	ADJ
gujaf-144	100	17	relationship	relationship	NOUN
gujaf-144	100	18	exists	exist	VERB
gujaf-144	100	19	between	between	ADP
gujaf-144	100	20	the	the	DET
gujaf-144	100	21	two	two	NUM
gujaf-144	100	22	indicators	indicator	NOUN
gujaf-144	100	23	liquidity	liquidity	NOUN
gujaf-144	100	24	management	management	NOUN
gujaf-144	100	25	proxies	proxy	NOUN
gujaf-144	100	26	(	(	PUNCT
gujaf-144	100	27	current	current	ADJ
gujaf-144	100	28	ratio	ratio	NOUN
gujaf-144	100	29	and	and	CCONJ
gujaf-144	100	30	liquidity	liquidity	NOUN
gujaf-144	100	31	ratio	ratio	NOUN
gujaf-144	100	32	)	)	PUNCT
gujaf-144	100	33	and	and	CCONJ
gujaf-144	100	34	return	return	VERB
gujaf-144	100	35	on	on	ADP
gujaf-144	100	36	asset	asset	NOUN
gujaf-144	100	37	,	,	PUNCT
gujaf-144	100	38	however	however	ADV
gujaf-144	100	39	the	the	DET
gujaf-144	100	40	study	study	NOUN
gujaf-144	100	41	did	do	AUX
gujaf-144	100	42	not	not	PART
gujaf-144	100	43	find	find	VERB
gujaf-144	100	44	empirical	empirical	ADJ
gujaf-144	100	45	evidence	evidence	NOUN
gujaf-144	100	46	in	in	ADP
gujaf-144	100	47	support	support	NOUN
gujaf-144	100	48	of	of	ADP
gujaf-144	100	49	loan	loan	NOUN
gujaf-144	100	50	to	to	PART
gujaf-144	100	51	deposit	deposit	VERB
gujaf-144	100	52	ratio	ratio	NOUN
gujaf-144	100	53	(	(	PUNCT
gujaf-144	100	54	t	t	NOUN
gujaf-144	100	55	=	=	SYM
gujaf-144	100	56	1.0650	1.0650	NUM
gujaf-144	100	57	,	,	PUNCT
gujaf-144	100	58	p	p	X
gujaf-144	100	59	=	=	NOUN
gujaf-144	100	60	0.2896	0.2896	NUM
gujaf-144	100	61	)	)	PUNCT
gujaf-144	100	62	and	and	CCONJ
gujaf-144	100	63	deposit	deposit	NOUN
gujaf-144	100	64	to	to	PART
gujaf-144	100	65	asset	asset	NOUN
gujaf-144	100	66	ratio	ratio	NOUN
gujaf-144	100	67	(	(	PUNCT
gujaf-144	100	68	t	t	NOUN
gujaf-144	100	69	=	=	SYM
gujaf-144	100	70	-6507	-6507	PROPN
gujaf-144	100	71	,	,	PUNCT
gujaf-144	100	72	p	p	X
gujaf-144	100	73	=	=	NOUN
gujaf-144	100	74	0.5168	0.5168	NUM
gujaf-144	100	75	)	)	PUNCT
gujaf-144	100	76	as	as	ADP
gujaf-144	100	77	having	have	VERB
gujaf-144	100	78	influence	influence	NOUN
gujaf-144	100	79	on	on	ADP
gujaf-144	100	80	profitability	profitability	NOUN
gujaf-144	100	81	of	of	ADP
gujaf-144	100	82	the	the	DET
gujaf-144	100	83	selected	select	VERB
gujaf-144	100	84	banks	bank	NOUN
gujaf-144	100	85	,	,	PUNCT
gujaf-144	100	86	as	as	SCONJ
gujaf-144	100	87	results	result	NOUN
gujaf-144	100	88	produced	produce	VERB
gujaf-144	100	89	insignificant	insignificant	ADJ
gujaf-144	100	90	relationship	relationship	NOUN
gujaf-144	100	91	with	with	ADP
gujaf-144	100	92	profitability	profitability	NOUN
gujaf-144	100	93	.	.	PUNCT
gujaf-144	101	1	waswa	waswa	PROPN
gujaf-144	101	2	,	,	PUNCT
gujaf-144	101	3	mukras	mukras	PROPN
gujaf-144	101	4	and	and	CCONJ
gujaf-144	101	5	oima	oima	PROPN
gujaf-144	101	6	(	(	PUNCT
gujaf-144	101	7	2018	2018	NUM
gujaf-144	101	8	)	)	PUNCT
gujaf-144	101	9	examined	examine	VERB
gujaf-144	101	10	the	the	DET
gujaf-144	101	11	effects	effect	NOUN
gujaf-144	101	12	of	of	ADP
gujaf-144	101	13	liquidity	liquidity	NOUN
gujaf-144	101	14	management	management	NOUN
gujaf-144	101	15	on	on	ADP
gujaf-144	101	16	the	the	DET
gujaf-144	101	17	performance	performance	NOUN
gujaf-144	101	18	of	of	ADP
gujaf-144	101	19	firm	firm	NOUN
gujaf-144	101	20	,	,	PUNCT
gujaf-144	101	21	sampling	sample	VERB
gujaf-144	101	22	five	five	NUM
gujaf-144	101	23	(	(	PUNCT
gujaf-144	101	24	5	5	NUM
gujaf-144	101	25	)	)	PUNCT
gujaf-144	101	26	sugar	sugar	NOUN
gujaf-144	101	27	companies	company	NOUN
gujaf-144	101	28	from	from	ADP
gujaf-144	101	29	2005	2005	NUM
gujaf-144	101	30	–	–	PUNCT
gujaf-144	101	31	2016	2016	NUM
gujaf-144	101	32	in	in	ADP
gujaf-144	101	33	kenya	kenya	PROPN
gujaf-144	101	34	.	.	PUNCT
gujaf-144	102	1	the	the	DET
gujaf-144	102	2	estimation	estimation	NOUN
gujaf-144	102	3	from	from	ADP
gujaf-144	102	4	the	the	DET
gujaf-144	102	5	random	random	ADJ
gujaf-144	102	6	effect	effect	NOUN
gujaf-144	102	7	regression	regression	NOUN
gujaf-144	102	8	showed	show	VERB
gujaf-144	102	9	there	there	PRON
gujaf-144	102	10	is	be	VERB
gujaf-144	102	11	negative	negative	ADJ
gujaf-144	102	12	association	association	NOUN
gujaf-144	102	13	between	between	ADP
gujaf-144	102	14	liquidity	liquidity	NOUN
gujaf-144	102	15	management	management	NOUN
gujaf-144	102	16	and	and	CCONJ
gujaf-144	102	17	financial	financial	ADJ
gujaf-144	102	18	performance	performance	NOUN
gujaf-144	102	19	of	of	ADP
gujaf-144	102	20	the	the	DET
gujaf-144	102	21	firms	firm	NOUN
gujaf-144	102	22	being	be	AUX
gujaf-144	102	23	studied	study	VERB
gujaf-144	102	24	.	.	PUNCT
gujaf-144	103	1	the	the	DET
gujaf-144	103	2	research	research	NOUN
gujaf-144	103	3	also	also	ADV
gujaf-144	103	4	suggests	suggest	VERB
gujaf-144	103	5	that	that	SCONJ
gujaf-144	103	6	when	when	SCONJ
gujaf-144	103	7	liquidity	liquidity	NOUN
gujaf-144	103	8	is	be	AUX
gujaf-144	103	9	funded	fund	VERB
gujaf-144	103	10	carefully	carefully	ADV
gujaf-144	103	11	,	,	PUNCT
gujaf-144	103	12	will	will	AUX
gujaf-144	103	13	lead	lead	VERB
gujaf-144	103	14	to	to	ADP
gujaf-144	103	15	a	a	DET
gujaf-144	103	16	good	good	ADJ
gujaf-144	103	17	financial	financial	ADJ
gujaf-144	103	18	performance	performance	NOUN
gujaf-144	103	19	.	.	PUNCT
gujaf-144	104	1	the	the	DET
gujaf-144	104	2	study	study	NOUN
gujaf-144	104	3	carried	carry	VERB
gujaf-144	104	4	out	out	ADP
gujaf-144	104	5	by	by	ADP
gujaf-144	104	6	dadepo	dadepo	NOUN
gujaf-144	104	7	and	and	CCONJ
gujaf-144	104	8	afolabi	afolabi	NOUN
gujaf-144	104	9	(	(	PUNCT
gujaf-144	104	10	2020	2020	NUM
gujaf-144	104	11	)	)	PUNCT
gujaf-144	104	12	focused	focus	VERB
gujaf-144	104	13	on	on	ADP
gujaf-144	104	14	liquidity	liquidity	NOUN
gujaf-144	104	15	management	management	NOUN
gujaf-144	104	16	of	of	ADP
gujaf-144	104	17	ten	ten	NUM
gujaf-144	104	18	(	(	PUNCT
gujaf-144	104	19	10	10	NUM
gujaf-144	104	20	)	)	PUNCT
gujaf-144	104	21	manufacturing	manufacturing	NOUN
gujaf-144	104	22	companies	company	NOUN
gujaf-144	104	23	in	in	ADP
gujaf-144	104	24	nigeria	nigeria	PROPN
gujaf-144	104	25	which	which	PRON
gujaf-144	104	26	differs	differ	VERB
gujaf-144	104	27	with	with	ADP
gujaf-144	104	28	8	8	NUM
gujaf-144	104	29	this	this	DET
gujaf-144	104	30	research	research	NOUN
gujaf-144	104	31	that	that	PRON
gujaf-144	104	32	focused	focus	VERB
gujaf-144	104	33	on	on	ADP
gujaf-144	104	34	effect	effect	NOUN
gujaf-144	104	35	of	of	ADP
gujaf-144	104	36	liquidity	liquidity	NOUN
gujaf-144	104	37	management	management	NOUN
gujaf-144	104	38	on	on	ADP
gujaf-144	104	39	the	the	DET
gujaf-144	104	40	financial	financial	ADJ
gujaf-144	104	41	performance	performance	NOUN
gujaf-144	104	42	of	of	ADP
gujaf-144	104	43	deposit	deposit	NOUN
gujaf-144	104	44	money	money	NOUN
gujaf-144	104	45	banks	bank	NOUN
gujaf-144	104	46	in	in	ADP
gujaf-144	104	47	nigeria	nigeria	PROPN
gujaf-144	104	48	.	.	PUNCT
gujaf-144	105	1	so	so	ADV
gujaf-144	105	2	also	also	ADV
gujaf-144	105	3	,	,	PUNCT
gujaf-144	105	4	some	some	PRON
gujaf-144	105	5	of	of	ADP
gujaf-144	105	6	the	the	DET
gujaf-144	105	7	previous	previous	ADJ
gujaf-144	105	8	research	research	NOUN
gujaf-144	105	9	works	work	NOUN
gujaf-144	105	10	dealt	deal	VERB
gujaf-144	105	11	with	with	ADP
gujaf-144	105	12	the	the	DET
gujaf-144	105	13	impact	impact	NOUN
gujaf-144	105	14	of	of	ADP
gujaf-144	105	15	liquidity	liquidity	NOUN
gujaf-144	105	16	management	management	NOUN
gujaf-144	105	17	on	on	ADP
gujaf-144	105	18	financial	financial	ADJ
gujaf-144	105	19	performance	performance	NOUN
gujaf-144	105	20	of	of	ADP
gujaf-144	105	21	commercial	commercial	ADJ
gujaf-144	105	22	banks	bank	NOUN
gujaf-144	105	23	in	in	ADP
gujaf-144	105	24	botswana	botswana	PROPN
gujaf-144	105	25	,	,	PUNCT
gujaf-144	105	26	nepal	nepal	PROPN
gujaf-144	105	27	,	,	PUNCT
gujaf-144	105	28	sri	sri	PROPN
gujaf-144	105	29	lanka	lanka	PROPN
gujaf-144	105	30	,	,	PUNCT
gujaf-144	105	31	kuwait	kuwait	PROPN
gujaf-144	105	32	,	,	PUNCT
gujaf-144	105	33	pakistan	pakistan	PROPN
gujaf-144	105	34	,	,	PUNCT
gujaf-144	105	35	kenya	kenya	PROPN
gujaf-144	105	36	,	,	PUNCT
gujaf-144	105	37	india	india	PROPN
gujaf-144	105	38	;	;	PUNCT
gujaf-144	105	39	whose	whose	DET
gujaf-144	105	40	findings	finding	NOUN
gujaf-144	105	41	are	be	AUX
gujaf-144	105	42	not	not	PART
gujaf-144	105	43	applicable	applicable	ADJ
gujaf-144	105	44	to	to	ADP
gujaf-144	105	45	nigeria	nigeria	PROPN
gujaf-144	105	46	but	but	CCONJ
gujaf-144	105	47	can	can	AUX
gujaf-144	105	48	only	only	ADV
gujaf-144	105	49	be	be	AUX
gujaf-144	105	50	used	use	VERB
gujaf-144	105	51	as	as	ADP
gujaf-144	105	52	a	a	DET
gujaf-144	105	53	guide	guide	NOUN
gujaf-144	105	54	for	for	ADP
gujaf-144	105	55	this	this	DET
gujaf-144	105	56	work	work	NOUN
gujaf-144	105	57	.	.	PUNCT
gujaf-144	106	1	from	from	ADP
gujaf-144	106	2	the	the	DET
gujaf-144	106	3	review	review	NOUN
gujaf-144	106	4	above	above	ADV
gujaf-144	106	5	,	,	PUNCT
gujaf-144	106	6	the	the	DET
gujaf-144	106	7	following	follow	VERB
gujaf-144	106	8	hypothesis	hypothesis	NOUN
gujaf-144	106	9	have	have	AUX
gujaf-144	106	10	been	be	AUX
gujaf-144	106	11	deduced	deduce	VERB
gujaf-144	106	12	in	in	ADP
gujaf-144	106	13	null	null	ADJ
gujaf-144	106	14	form	form	NOUN
gujaf-144	106	15	to	to	PART
gujaf-144	106	16	be	be	AUX
gujaf-144	106	17	tested	test	VERB
gujaf-144	106	18	.	.	PUNCT
gujaf-144	107	1	h01	h01	NOUN
gujaf-144	107	2	:	:	PUNCT
gujaf-144	107	3	capital	capital	NOUN
gujaf-144	107	4	adequacy	adequacy	NOUN
gujaf-144	107	5	ratio	ratio	NOUN
gujaf-144	107	6	has	have	VERB
gujaf-144	107	7	no	no	DET
gujaf-144	107	8	significant	significant	ADJ
gujaf-144	107	9	impact	impact	NOUN
gujaf-144	107	10	on	on	ADP
gujaf-144	107	11	financial	financial	ADJ
gujaf-144	107	12	performance	performance	NOUN
gujaf-144	107	13	of	of	ADP
gujaf-144	107	14	listed	list	VERB
gujaf-144	107	15	deposit	deposit	NOUN
gujaf-144	107	16	money	money	NOUN
gujaf-144	107	17	banks	bank	NOUN
gujaf-144	107	18	in	in	ADP
gujaf-144	107	19	nigeria	nigeria	PROPN
gujaf-144	107	20	.	.	PUNCT
gujaf-144	108	1	h02	h02	PROPN
gujaf-144	108	2	:	:	PUNCT
gujaf-144	108	3	liquidity	liquidity	NOUN
gujaf-144	108	4	ratio	ratio	NOUN
gujaf-144	108	5	has	have	VERB
gujaf-144	108	6	no	no	DET
gujaf-144	108	7	impact	impact	NOUN
gujaf-144	108	8	on	on	ADP
gujaf-144	108	9	financial	financial	ADJ
gujaf-144	108	10	performance	performance	NOUN
gujaf-144	108	11	of	of	ADP
gujaf-144	108	12	listed	list	VERB
gujaf-144	108	13	deposit	deposit	NOUN
gujaf-144	108	14	money	money	NOUN
gujaf-144	108	15	banks	bank	NOUN
gujaf-144	108	16	in	in	ADP
gujaf-144	108	17	nigeria	nigeria	PROPN
gujaf-144	108	18	.	.	PUNCT
gujaf-144	109	1	h03	h03	NOUN
gujaf-144	109	2	:	:	PUNCT
gujaf-144	109	3	loan	loan	NOUN
gujaf-144	109	4	to	to	PART
gujaf-144	109	5	deposit	deposit	NOUN
gujaf-144	109	6	ratio	ratio	NOUN
gujaf-144	109	7	has	have	VERB
gujaf-144	109	8	no	no	DET
gujaf-144	109	9	impact	impact	NOUN
gujaf-144	109	10	on	on	ADP
gujaf-144	109	11	financial	financial	ADJ
gujaf-144	109	12	performance	performance	NOUN
gujaf-144	109	13	of	of	ADP
gujaf-144	109	14	listed	list	VERB
gujaf-144	109	15	deposit	deposit	NOUN
gujaf-144	109	16	money	money	NOUN
gujaf-144	109	17	banks	bank	NOUN
gujaf-144	109	18	in	in	ADP
gujaf-144	109	19	nigeria	nigeria	PROPN
gujaf-144	109	20	.	.	PUNCT
gujaf-144	110	1	the	the	DET
gujaf-144	110	2	study	study	NOUN
gujaf-144	110	3	chose	choose	VERB
gujaf-144	110	4	shiftability	shiftability	NOUN
gujaf-144	110	5	and	and	CCONJ
gujaf-144	110	6	anticipated	anticipate	VERB
gujaf-144	110	7	income	income	NOUN
gujaf-144	110	8	theory	theory	NOUN
gujaf-144	110	9	to	to	PART
gujaf-144	110	10	explain	explain	VERB
gujaf-144	110	11	the	the	DET
gujaf-144	110	12	variables	variable	NOUN
gujaf-144	110	13	link	link	PROPN
gujaf-144	110	14	.	.	PUNCT
gujaf-144	111	1	shiftability	shiftability	NOUN
gujaf-144	111	2	theory	theory	NOUN
gujaf-144	111	3	states	state	VERB
gujaf-144	111	4	that	that	SCONJ
gujaf-144	111	5	liquidity	liquidity	NOUN
gujaf-144	111	6	crisis	crisis	NOUN
gujaf-144	111	7	in	in	ADP
gujaf-144	111	8	banks	bank	NOUN
gujaf-144	111	9	not	not	PART
gujaf-144	111	10	mainly	mainly	ADV
gujaf-144	111	11	caused	cause	VERB
gujaf-144	111	12	by	by	ADP
gujaf-144	111	13	loans	loan	NOUN
gujaf-144	111	14	or	or	CCONJ
gujaf-144	111	15	credit	credit	NOUN
gujaf-144	111	16	default	default	NOUN
gujaf-144	111	17	but	but	CCONJ
gujaf-144	111	18	however	however	ADV
gujaf-144	111	19	their	their	PRON
gujaf-144	111	20	ability	ability	NOUN
gujaf-144	111	21	to	to	PART
gujaf-144	111	22	possess	possess	VERB
gujaf-144	111	23	assets	asset	NOUN
gujaf-144	111	24	that	that	PRON
gujaf-144	111	25	can	can	AUX
gujaf-144	111	26	be	be	AUX
gujaf-144	111	27	sold	sell	VERB
gujaf-144	111	28	to	to	ADP
gujaf-144	111	29	other	other	ADJ
gujaf-144	111	30	banks	bank	NOUN
gujaf-144	111	31	or	or	CCONJ
gujaf-144	111	32	institution	institution	NOUN
gujaf-144	111	33	at	at	ADP
gujaf-144	111	34	a	a	DET
gujaf-144	111	35	pleasing	pleasing	ADJ
gujaf-144	111	36	price	price	NOUN
gujaf-144	111	37	(	(	PUNCT
gujaf-144	111	38	udoka	udoka	NOUN
gujaf-144	111	39	,	,	PUNCT
gujaf-144	111	40	2012	2012	NUM
gujaf-144	111	41	)	)	PUNCT
gujaf-144	111	42	.	.	PUNCT
gujaf-144	112	1	this	this	DET
gujaf-144	112	2	theory	theory	NOUN
gujaf-144	112	3	explains	explain	VERB
gujaf-144	112	4	that	that	SCONJ
gujaf-144	112	5	facts	fact	VERB
gujaf-144	112	6	that	that	SCONJ
gujaf-144	112	7	by	by	ADP
gujaf-144	112	8	the	the	DET
gujaf-144	112	9	banks	bank	NOUN
gujaf-144	112	10	start	start	VERB
gujaf-144	112	11	going	go	VERB
gujaf-144	112	12	through	through	ADP
gujaf-144	112	13	liquidity	liquidity	NOUN
gujaf-144	112	14	or	or	CCONJ
gujaf-144	112	15	financial	financial	ADJ
gujaf-144	112	16	crisis	crisis	NOUN
gujaf-144	112	17	,	,	PUNCT
gujaf-144	112	18	they	they	PRON
gujaf-144	112	19	should	should	AUX
gujaf-144	112	20	not	not	PART
gujaf-144	112	21	be	be	AUX
gujaf-144	112	22	bordered	border	VERB
gujaf-144	112	23	by	by	ADP
gujaf-144	112	24	the	the	DET
gujaf-144	112	25	level	level	NOUN
gujaf-144	112	26	or	or	CCONJ
gujaf-144	112	27	assets	asset	NOUN
gujaf-144	112	28	they	they	PRON
gujaf-144	112	29	have	have	VERB
gujaf-144	112	30	which	which	PRON
gujaf-144	112	31	can	can	AUX
gujaf-144	112	32	easily	easily	ADV
gujaf-144	112	33	be	be	AUX
gujaf-144	112	34	sold	sell	VERB
gujaf-144	112	35	off	off	ADP
gujaf-144	112	36	to	to	PART
gujaf-144	112	37	boost	boost	VERB
gujaf-144	112	38	their	their	PRON
gujaf-144	112	39	liquidity	liquidity	NOUN
gujaf-144	112	40	position	position	NOUN
gujaf-144	112	41	.	.	PUNCT
gujaf-144	113	1	according	accord	VERB
gujaf-144	113	2	to	to	ADP
gujaf-144	113	3	oloruntoba	oloruntoba	PROPN
gujaf-144	113	4	,	,	PUNCT
gujaf-144	113	5	zaid	zaid	PROPN
gujaf-144	113	6	and	and	CCONJ
gujaf-144	113	7	oluwafolakemi	oluwafolakemi	ADV
gujaf-144	113	8	(	(	PUNCT
gujaf-144	113	9	2018	2018	NUM
gujaf-144	113	10	)	)	PUNCT
gujaf-144	113	11	shiftability	shiftability	NOUN
gujaf-144	113	12	theory	theory	NOUN
gujaf-144	113	13	asserts	assert	VERB
gujaf-144	113	14	profitable	profitable	ADJ
gujaf-144	113	15	transactions	transaction	NOUN
gujaf-144	113	16	that	that	PRON
gujaf-144	113	17	last	last	VERB
gujaf-144	113	18	for	for	ADP
gujaf-144	113	19	a	a	DET
gujaf-144	113	20	period	period	NOUN
gujaf-144	113	21	and	and	CCONJ
gujaf-144	113	22	matures	mature	NOUN
gujaf-144	113	23	at	at	ADP
gujaf-144	113	24	an	an	DET
gujaf-144	113	25	appropriate	appropriate	ADJ
gujaf-144	113	26	time	time	NOUN
gujaf-144	113	27	.	.	PUNCT
gujaf-144	114	1	this	this	PRON
gujaf-144	114	2	helps	help	VERB
gujaf-144	114	3	banks	bank	NOUN
gujaf-144	114	4	in	in	ADP
gujaf-144	114	5	a	a	DET
gujaf-144	114	6	situation	situation	NOUN
gujaf-144	114	7	that	that	PRON
gujaf-144	114	8	will	will	AUX
gujaf-144	114	9	enables	enable	VERB
gujaf-144	114	10	them	they	PRON
gujaf-144	114	11	to	to	PART
gujaf-144	114	12	meet	meet	VERB
gujaf-144	114	13	the	the	DET
gujaf-144	114	14	needs	need	NOUN
gujaf-144	114	15	of	of	ADP
gujaf-144	114	16	their	their	PRON
gujaf-144	114	17	customers	customer	NOUN
gujaf-144	114	18	.	.	PUNCT
gujaf-144	115	1	the	the	DET
gujaf-144	115	2	aim	aim	NOUN
gujaf-144	115	3	of	of	ADP
gujaf-144	115	4	any	any	DET
gujaf-144	115	5	commercial	commercial	ADJ
gujaf-144	115	6	bank	bank	NOUN
gujaf-144	115	7	is	be	AUX
gujaf-144	115	8	profit	profit	NOUN
gujaf-144	115	9	maximization	maximization	NOUN
gujaf-144	115	10	and	and	CCONJ
gujaf-144	115	11	survival	survival	NOUN
gujaf-144	115	12	in	in	ADP
gujaf-144	115	13	the	the	DET
gujaf-144	115	14	long	long	ADJ
gujaf-144	115	15	run	run	NOUN
gujaf-144	115	16	,	,	PUNCT
gujaf-144	115	17	it	it	PRON
gujaf-144	115	18	is	be	AUX
gujaf-144	115	19	therefore	therefore	ADV
gujaf-144	115	20	a	a	DET
gujaf-144	115	21	known	know	VERB
gujaf-144	115	22	fact	fact	NOUN
gujaf-144	115	23	that	that	SCONJ
gujaf-144	115	24	the	the	DET
gujaf-144	115	25	shiftability	shiftability	NOUN
gujaf-144	115	26	theory	theory	NOUN
gujaf-144	115	27	is	be	AUX
gujaf-144	115	28	good	good	ADJ
gujaf-144	115	29	approach	approach	NOUN
gujaf-144	115	30	in	in	ADP
gujaf-144	115	31	helping	help	VERB
gujaf-144	115	32	them	they	PRON
gujaf-144	115	33	stay	stay	VERB
gujaf-144	115	34	liquid	liquid	ADJ
gujaf-144	115	35	because	because	SCONJ
gujaf-144	115	36	helps	help	VERB
gujaf-144	115	37	the	the	DET
gujaf-144	115	38	sale	sale	NOUN
gujaf-144	115	39	or	or	CCONJ
gujaf-144	115	40	shift	shift	NOUN
gujaf-144	115	41	of	of	ADP
gujaf-144	115	42	assets	asset	NOUN
gujaf-144	115	43	to	to	ADP
gujaf-144	115	44	other	other	ADJ
gujaf-144	115	45	banks	bank	NOUN
gujaf-144	115	46	that	that	PRON
gujaf-144	115	47	have	have	VERB
gujaf-144	115	48	higher	high	ADJ
gujaf-144	115	49	level	level	NOUN
gujaf-144	115	50	of	of	ADP
gujaf-144	115	51	liquidity	liquidity	NOUN
gujaf-144	115	52	.	.	PUNCT
gujaf-144	116	1	so	so	ADV
gujaf-144	116	2	also	also	ADV
gujaf-144	116	3	,	,	PUNCT
gujaf-144	116	4	it	it	PRON
gujaf-144	116	5	makes	make	VERB
gujaf-144	116	6	it	it	PRON
gujaf-144	116	7	possible	possible	ADJ
gujaf-144	116	8	for	for	SCONJ
gujaf-144	116	9	the	the	DET
gujaf-144	116	10	financial	financial	ADJ
gujaf-144	116	11	systems	system	NOUN
gujaf-144	116	12	to	to	PART
gujaf-144	116	13	operate	operate	VERB
gujaf-144	116	14	efficiently	efficiently	ADV
gujaf-144	116	15	,	,	PUNCT
gujaf-144	116	16	also	also	ADV
gujaf-144	116	17	preventing	prevent	VERB
gujaf-144	116	18	liquidity	liquidity	NOUN
gujaf-144	116	19	shortage	shortage	NOUN
gujaf-144	116	20	because	because	SCONJ
gujaf-144	116	21	of	of	ADP
gujaf-144	116	22	their	their	PRON
gujaf-144	116	23	ability	ability	NOUN
gujaf-144	116	24	to	to	PART
gujaf-144	116	25	sell	sell	VERB
gujaf-144	116	26	the	the	DET
gujaf-144	116	27	assets	asset	NOUN
gujaf-144	116	28	of	of	ADP
gujaf-144	116	29	the	the	DET
gujaf-144	116	30	bank	bank	NOUN
gujaf-144	116	31	at	at	ADP
gujaf-144	116	32	prices	price	NOUN
gujaf-144	116	33	that	that	PRON
gujaf-144	116	34	are	be	AUX
gujaf-144	116	35	relatively	relatively	ADV
gujaf-144	116	36	good	good	ADJ
gujaf-144	116	37	.	.	PUNCT
gujaf-144	117	1	anticipated	anticipated	ADJ
gujaf-144	117	2	income	income	NOUN
gujaf-144	117	3	theory	theory	NOUN
gujaf-144	117	4	states	state	VERB
gujaf-144	117	5	the	the	DET
gujaf-144	117	6	source	source	NOUN
gujaf-144	117	7	of	of	ADP
gujaf-144	117	8	liquidity	liquidity	NOUN
gujaf-144	117	9	in	in	ADP
gujaf-144	117	10	the	the	DET
gujaf-144	117	11	bank	bank	NOUN
gujaf-144	117	12	should	should	AUX
gujaf-144	117	13	be	be	AUX
gujaf-144	117	14	dependent	dependent	ADJ
gujaf-144	117	15	on	on	ADP
gujaf-144	117	16	the	the	DET
gujaf-144	117	17	credit	credit	NOUN
gujaf-144	117	18	or	or	CCONJ
gujaf-144	117	19	advance	advance	NOUN
gujaf-144	117	20	portfolio	portfolio	NOUN
gujaf-144	117	21	(	(	PUNCT
gujaf-144	117	22	udoka	udoka	PROPN
gujaf-144	117	23	,	,	PUNCT
gujaf-144	117	24	2012	2012	NUM
gujaf-144	117	25	)	)	PUNCT
gujaf-144	117	26	.	.	PUNCT
gujaf-144	118	1	the	the	DET
gujaf-144	118	2	theory	theory	NOUN
gujaf-144	118	3	shows	show	VERB
gujaf-144	118	4	that	that	SCONJ
gujaf-144	118	5	closing	closing	NOUN
gujaf-144	118	6	of	of	ADP
gujaf-144	118	7	“	"	PUNCT
gujaf-144	118	8	a	a	DET
gujaf-144	118	9	term	term	NOUN
gujaf-144	118	10	loan	loan	NOUN
gujaf-144	118	11	is	be	AUX
gujaf-144	118	12	planned	plan	VERB
gujaf-144	118	13	based	base	VERB
gujaf-144	118	14	on	on	ADP
gujaf-144	118	15	the	the	DET
gujaf-144	118	16	anticipated	anticipate	VERB
gujaf-144	118	17	income	income	NOUN
gujaf-144	118	18	of	of	ADP
gujaf-144	118	19	the	the	DET
gujaf-144	118	20	debtor	debtor	NOUN
gujaf-144	118	21	irrespective	irrespective	ADV
gujaf-144	118	22	of	of	ADP
gujaf-144	118	23	the	the	DET
gujaf-144	118	24	conditions	condition	NOUN
gujaf-144	118	25	of	of	ADP
gujaf-144	118	26	his	his	PRON
gujaf-144	118	27	business	business	NOUN
gujaf-144	118	28	”	"	PUNCT
gujaf-144	118	29	.	.	PUNCT
gujaf-144	119	1	therefore	therefore	ADV
gujaf-144	119	2	,	,	PUNCT
gujaf-144	119	3	payment	payment	NOUN
gujaf-144	119	4	of	of	ADP
gujaf-144	119	5	the	the	DET
gujaf-144	119	6	loan	loan	NOUN
gujaf-144	119	7	obtained	obtain	VERB
gujaf-144	119	8	from	from	ADP
gujaf-144	119	9	the	the	DET
gujaf-144	119	10	bank	bank	NOUN
gujaf-144	119	11	by	by	ADP
gujaf-144	119	12	debtor	debtor	NOUN
gujaf-144	119	13	is	be	AUX
gujaf-144	119	14	done	do	VERB
gujaf-144	119	15	in	in	ADP
gujaf-144	119	16	a	a	DET
gujaf-144	119	17	form	form	NOUN
gujaf-144	119	18	of	of	ADP
gujaf-144	119	19	installment	installment	NOUN
gujaf-144	119	20	which	which	PRON
gujaf-144	119	21	could	could	AUX
gujaf-144	119	22	be	be	AUX
gujaf-144	119	23	on	on	ADP
gujaf-144	119	24	monthly	monthly	ADJ
gujaf-144	119	25	or	or	CCONJ
gujaf-144	119	26	quarterly	quarterly	ADJ
gujaf-144	119	27	basis	basis	NOUN
gujaf-144	119	28	depending	depend	VERB
gujaf-144	119	29	on	on	ADP
gujaf-144	119	30	the	the	DET
gujaf-144	119	31	agreed	agree	VERB
gujaf-144	119	32	time	time	NOUN
gujaf-144	119	33	and	and	CCONJ
gujaf-144	119	34	dates	date	NOUN
gujaf-144	119	35	by	by	ADP
gujaf-144	119	36	both	both	DET
gujaf-144	119	37	parties	party	NOUN
gujaf-144	119	38	instead	instead	ADV
gujaf-144	119	39	of	of	ADP
gujaf-144	119	40	paying	pay	VERB
gujaf-144	119	41	a	a	DET
gujaf-144	119	42	huge	huge	ADJ
gujaf-144	119	43	or	or	CCONJ
gujaf-144	119	44	all	all	DET
gujaf-144	119	45	the	the	DET
gujaf-144	119	46	amount	amount	NOUN
gujaf-144	119	47	obtained	obtain	VERB
gujaf-144	119	48	on	on	ADP
gujaf-144	119	49	the	the	DET
gujaf-144	119	50	day	day	NOUN
gujaf-144	119	51	of	of	ADP
gujaf-144	119	52	maturity	maturity	NOUN
gujaf-144	119	53	.	.	PUNCT
gujaf-144	120	1	9	9	NUM
gujaf-144	120	2	alshatti	alshatti	NOUN
gujaf-144	120	3	(	(	PUNCT
gujaf-144	120	4	2014	2014	NUM
gujaf-144	120	5	)	)	PUNCT
gujaf-144	120	6	states	state	VERB
gujaf-144	120	7	that	that	PRON
gujaf-144	120	8	anticipated	anticipate	VERB
gujaf-144	120	9	income	income	NOUN
gujaf-144	120	10	theory	theory	NOUN
gujaf-144	120	11	is	be	AUX
gujaf-144	120	12	the	the	DET
gujaf-144	120	13	ability	ability	NOUN
gujaf-144	120	14	of	of	ADP
gujaf-144	120	15	the	the	DET
gujaf-144	120	16	bank	bank	NOUN
gujaf-144	120	17	liquidity	liquidity	NOUN
gujaf-144	120	18	to	to	PART
gujaf-144	120	19	be	be	AUX
gujaf-144	120	20	handled	handle	VERB
gujaf-144	120	21	appropriately	appropriately	ADV
gujaf-144	120	22	based	base	VERB
gujaf-144	120	23	on	on	ADP
gujaf-144	120	24	credit	credit	NOUN
gujaf-144	120	25	that	that	PRON
gujaf-144	120	26	is	be	AUX
gujaf-144	120	27	being	be	AUX
gujaf-144	120	28	given	give	VERB
gujaf-144	120	29	out	out	ADP
gujaf-144	120	30	.	.	PUNCT
gujaf-144	121	1	ibe	ibe	VERB
gujaf-144	121	2	(	(	PUNCT
gujaf-144	121	3	2013	2013	NUM
gujaf-144	121	4	)	)	PUNCT
gujaf-144	121	5	also	also	ADV
gujaf-144	121	6	argues	argue	VERB
gujaf-144	121	7	that	that	SCONJ
gujaf-144	121	8	liquidity	liquidity	NOUN
gujaf-144	121	9	should	should	AUX
gujaf-144	121	10	be	be	AUX
gujaf-144	121	11	planned	plan	VERB
gujaf-144	121	12	to	to	PART
gujaf-144	121	13	use	use	VERB
gujaf-144	121	14	the	the	DET
gujaf-144	121	15	anticipated	anticipate	VERB
gujaf-144	121	16	income	income	NOUN
gujaf-144	121	17	of	of	ADP
gujaf-144	121	18	the	the	DET
gujaf-144	121	19	borrower	borrower	NOUN
gujaf-144	121	20	.	.	PUNCT
gujaf-144	122	1	therefore	therefore	ADV
gujaf-144	122	2	,	,	PUNCT
gujaf-144	122	3	this	this	DET
gujaf-144	122	4	study	study	NOUN
gujaf-144	122	5	is	be	AUX
gujaf-144	122	6	challenged	challenge	VERB
gujaf-144	122	7	towards	towards	ADP
gujaf-144	122	8	the	the	DET
gujaf-144	122	9	anticipated	anticipate	VERB
gujaf-144	122	10	income	income	NOUN
gujaf-144	122	11	theory	theory	NOUN
gujaf-144	122	12	because	because	SCONJ
gujaf-144	122	13	it	it	PRON
gujaf-144	122	14	takes	take	VERB
gujaf-144	122	15	care	care	NOUN
gujaf-144	122	16	of	of	ADP
gujaf-144	122	17	the	the	DET
gujaf-144	122	18	major	major	ADJ
gujaf-144	122	19	objectives	objective	NOUN
gujaf-144	122	20	of	of	ADP
gujaf-144	122	21	any	any	DET
gujaf-144	122	22	banks	bank	NOUN
gujaf-144	122	23	which	which	PRON
gujaf-144	122	24	are	be	AUX
gujaf-144	122	25	liquidity	liquidity	NOUN
gujaf-144	122	26	,	,	PUNCT
gujaf-144	122	27	safety	safety	NOUN
gujaf-144	122	28	and	and	CCONJ
gujaf-144	122	29	profitability	profitability	NOUN
gujaf-144	122	30	.	.	PUNCT
gujaf-144	123	1	banks	bank	NOUN
gujaf-144	123	2	can	can	AUX
gujaf-144	123	3	be	be	AUX
gujaf-144	123	4	sure	sure	ADJ
gujaf-144	123	5	of	of	ADP
gujaf-144	123	6	their	their	PRON
gujaf-144	123	7	liquidity	liquidity	NOUN
gujaf-144	123	8	because	because	SCONJ
gujaf-144	123	9	the	the	DET
gujaf-144	123	10	debtor	debtor	NOUN
gujaf-144	123	11	is	be	AUX
gujaf-144	123	12	paying	pay	VERB
gujaf-144	123	13	in	in	ADP
gujaf-144	123	14	installment	installment	NOUN
gujaf-144	123	15	not	not	PART
gujaf-144	123	16	a	a	DET
gujaf-144	123	17	lump	lump	NOUN
gujaf-144	123	18	sum	sum	NOUN
gujaf-144	123	19	amount	amount	NOUN
gujaf-144	123	20	at	at	ADP
gujaf-144	123	21	a	a	DET
gujaf-144	123	22	particular	particular	ADJ
gujaf-144	123	23	time	time	NOUN
gujaf-144	123	24	.	.	PUNCT
gujaf-144	124	1	3	3	X
gujaf-144	124	2	.	.	X
gujaf-144	124	3	methods	method	NOUN
gujaf-144	124	4	of	of	ADP
gujaf-144	124	5	the	the	DET
gujaf-144	124	6	study	study	NOUN
gujaf-144	124	7	this	this	DET
gujaf-144	124	8	study	study	NOUN
gujaf-144	124	9	has	have	AUX
gujaf-144	124	10	adopted	adopt	VERB
gujaf-144	124	11	the	the	DET
gujaf-144	124	12	ex	ex	NOUN
gujaf-144	124	13	-	-	ADJ
gujaf-144	124	14	post	post	ADJ
gujaf-144	124	15	facto	facto	X
gujaf-144	124	16	research	research	NOUN
gujaf-144	124	17	design	design	NOUN
gujaf-144	124	18	.	.	PUNCT
gujaf-144	125	1	the	the	DET
gujaf-144	125	2	ex	ex	NOUN
gujaf-144	125	3	-	-	ADJ
gujaf-144	125	4	post	post	ADJ
gujaf-144	125	5	facto	facto	X
gujaf-144	125	6	research	research	NOUN
gujaf-144	125	7	design	design	NOUN
gujaf-144	125	8	was	be	AUX
gujaf-144	125	9	chosen	choose	VERB
gujaf-144	125	10	for	for	ADP
gujaf-144	125	11	this	this	DET
gujaf-144	125	12	study	study	NOUN
gujaf-144	125	13	because	because	SCONJ
gujaf-144	125	14	it	it	PRON
gujaf-144	125	15	helps	help	VERB
gujaf-144	125	16	in	in	ADP
gujaf-144	125	17	ascertaining	ascertain	VERB
gujaf-144	125	18	the	the	DET
gujaf-144	125	19	effect	effect	NOUN
gujaf-144	125	20	of	of	ADP
gujaf-144	125	21	independent	independent	ADJ
gujaf-144	125	22	variable	variable	NOUN
gujaf-144	125	23	on	on	ADP
gujaf-144	125	24	the	the	DET
gujaf-144	125	25	dependent	dependent	ADJ
gujaf-144	125	26	variable	variable	NOUN
gujaf-144	125	27	to	to	PART
gujaf-144	125	28	be	be	AUX
gujaf-144	125	29	able	able	ADJ
gujaf-144	125	30	to	to	PART
gujaf-144	125	31	make	make	VERB
gujaf-144	125	32	predictions	prediction	NOUN
gujaf-144	125	33	.	.	PUNCT
gujaf-144	126	1	secondary	secondary	ADJ
gujaf-144	126	2	source	source	NOUN
gujaf-144	126	3	of	of	ADP
gujaf-144	126	4	data	datum	NOUN
gujaf-144	126	5	was	be	AUX
gujaf-144	126	6	used	use	VERB
gujaf-144	126	7	,	,	PUNCT
gujaf-144	126	8	and	and	CCONJ
gujaf-144	126	9	the	the	DET
gujaf-144	126	10	data	datum	NOUN
gujaf-144	126	11	were	be	AUX
gujaf-144	126	12	obtained	obtain	VERB
gujaf-144	126	13	via	via	ADP
gujaf-144	126	14	the	the	DET
gujaf-144	126	15	annual	annual	ADJ
gujaf-144	126	16	reports	report	NOUN
gujaf-144	126	17	of	of	ADP
gujaf-144	126	18	the	the	DET
gujaf-144	126	19	banks	bank	NOUN
gujaf-144	126	20	.	.	PUNCT
gujaf-144	127	1	it	it	PRON
gujaf-144	127	2	covered	cover	VERB
gujaf-144	127	3	period	period	NOUN
gujaf-144	127	4	between	between	ADP
gujaf-144	127	5	2010	2010	NUM
gujaf-144	127	6	-	-	SYM
gujaf-144	127	7	2019	2019	NUM
gujaf-144	127	8	.	.	PUNCT
gujaf-144	128	1	there	there	PRON
gujaf-144	128	2	were	be	VERB
gujaf-144	128	3	nineteen	nineteen	NUM
gujaf-144	128	4	(	(	PUNCT
gujaf-144	128	5	19	19	NUM
gujaf-144	128	6	)	)	PUNCT
gujaf-144	128	7	commercial	commercial	ADJ
gujaf-144	128	8	banks	bank	NOUN
gujaf-144	128	9	in	in	ADP
gujaf-144	128	10	nigeria	nigeria	PROPN
gujaf-144	128	11	on	on	ADP
gujaf-144	128	12	the	the	DET
gujaf-144	128	13	central	central	ADJ
gujaf-144	128	14	bank	bank	NOUN
gujaf-144	128	15	with	with	ADP
gujaf-144	128	16	national	national	ADJ
gujaf-144	128	17	and	and	CCONJ
gujaf-144	128	18	international	international	ADJ
gujaf-144	128	19	authorization	authorization	NOUN
gujaf-144	128	20	,	,	PUNCT
gujaf-144	128	21	but	but	CCONJ
gujaf-144	128	22	only	only	ADV
gujaf-144	128	23	14	14	NUM
gujaf-144	128	24	of	of	ADP
gujaf-144	128	25	the	the	DET
gujaf-144	128	26	commercial	commercial	ADJ
gujaf-144	128	27	banks	bank	NOUN
gujaf-144	128	28	are	be	AUX
gujaf-144	128	29	listed	list	VERB
gujaf-144	128	30	on	on	ADP
gujaf-144	128	31	the	the	DET
gujaf-144	128	32	nigerian	nigerian	ADJ
gujaf-144	128	33	stock	stock	NOUN
gujaf-144	128	34	exchange	exchange	NOUN
gujaf-144	128	35	from	from	ADP
gujaf-144	128	36	2010	2010	NUM
gujaf-144	128	37	to	to	ADP
gujaf-144	128	38	2019	2019	NUM
gujaf-144	128	39	.	.	PUNCT
gujaf-144	129	1	in	in	ADP
gujaf-144	129	2	addition	addition	NOUN
gujaf-144	129	3	,	,	PUNCT
gujaf-144	129	4	out	out	ADP
gujaf-144	129	5	of	of	ADP
gujaf-144	129	6	the	the	DET
gujaf-144	129	7	14	14	NUM
gujaf-144	129	8	commercial	commercial	ADJ
gujaf-144	129	9	banks	bank	NOUN
gujaf-144	129	10	listed	list	VERB
gujaf-144	129	11	in	in	ADP
gujaf-144	129	12	the	the	DET
gujaf-144	129	13	nigeria	nigeria	PROPN
gujaf-144	129	14	stock	stock	PROPN
gujaf-144	129	15	exchange	exchange	PROPN
gujaf-144	129	16	only	only	ADV
gujaf-144	129	17	12	12	NUM
gujaf-144	129	18	have	have	AUX
gujaf-144	129	19	remained	remained	AUX
gujaf-144	129	20	listed	list	VERB
gujaf-144	129	21	on	on	ADP
gujaf-144	129	22	the	the	DET
gujaf-144	129	23	nigerian	nigerian	ADJ
gujaf-144	129	24	stock	stock	NOUN
gujaf-144	129	25	exchange	exchange	NOUN
gujaf-144	129	26	within	within	ADP
gujaf-144	129	27	the	the	DET
gujaf-144	129	28	study	study	NOUN
gujaf-144	129	29	period	period	NOUN
gujaf-144	129	30	.	.	PUNCT
gujaf-144	130	1	therefore	therefore	ADV
gujaf-144	130	2	12	12	NUM
gujaf-144	130	3	banks	bank	NOUN
gujaf-144	130	4	were	be	AUX
gujaf-144	130	5	used	use	VERB
gujaf-144	130	6	based	base	VERB
gujaf-144	130	7	on	on	ADP
gujaf-144	130	8	the	the	DET
gujaf-144	130	9	availability	availability	NOUN
gujaf-144	130	10	of	of	ADP
gujaf-144	130	11	their	their	PRON
gujaf-144	130	12	annual	annual	ADJ
gujaf-144	130	13	reports	report	NOUN
gujaf-144	130	14	and	and	CCONJ
gujaf-144	130	15	other	other	ADJ
gujaf-144	130	16	account	account	NOUN
gujaf-144	130	17	required	require	VERB
gujaf-144	130	18	for	for	SCONJ
gujaf-144	130	19	data	datum	NOUN
gujaf-144	130	20	to	to	PART
gujaf-144	130	21	be	be	AUX
gujaf-144	130	22	extracted	extract	VERB
gujaf-144	130	23	.	.	PUNCT
gujaf-144	131	1	panel	panel	NOUN
gujaf-144	131	2	multiple	multiple	ADJ
gujaf-144	131	3	regression	regression	NOUN
gujaf-144	131	4	technique	technique	NOUN
gujaf-144	131	5	was	be	AUX
gujaf-144	131	6	adopted	adopt	VERB
gujaf-144	131	7	,	,	PUNCT
gujaf-144	131	8	and	and	CCONJ
gujaf-144	131	9	stata	stata	VERB
gujaf-144	131	10	13	13	NUM
gujaf-144	131	11	was	be	AUX
gujaf-144	131	12	used	use	VERB
gujaf-144	131	13	for	for	ADP
gujaf-144	131	14	the	the	DET
gujaf-144	131	15	analysis	analysis	NOUN
gujaf-144	131	16	of	of	ADP
gujaf-144	131	17	data	datum	NOUN
gujaf-144	131	18	.	.	PUNCT
gujaf-144	132	1	also	also	ADV
gujaf-144	132	2	,	,	PUNCT
gujaf-144	132	3	a	a	DET
gujaf-144	132	4	post	post	NOUN
gujaf-144	132	5	estimation	estimation	NOUN
gujaf-144	132	6	test	test	NOUN
gujaf-144	132	7	such	such	ADJ
gujaf-144	132	8	as	as	ADP
gujaf-144	132	9	multicolinearity	multicolinearity	NOUN
gujaf-144	132	10	,	,	PUNCT
gujaf-144	132	11	normality	normality	NOUN
gujaf-144	132	12	of	of	ADP
gujaf-144	132	13	standard	standard	ADJ
gujaf-144	132	14	error	error	NOUN
gujaf-144	132	15	,	,	PUNCT
gujaf-144	132	16	heteroscedasticity	heteroscedasticity	NOUN
gujaf-144	132	17	,	,	PUNCT
gujaf-144	132	18	hausman	hausman	ADJ
gujaf-144	132	19	specification	specification	NOUN
gujaf-144	132	20	and	and	CCONJ
gujaf-144	132	21	longrange	longrange	PROPN
gujaf-144	132	22	multiplier	multipli	ADJ
gujaf-144	132	23	tests	test	NOUN
gujaf-144	132	24	were	be	AUX
gujaf-144	132	25	conducted	conduct	VERB
gujaf-144	132	26	to	to	PART
gujaf-144	132	27	validate	validate	VERB
gujaf-144	132	28	the	the	DET
gujaf-144	132	29	results	result	NOUN
gujaf-144	132	30	.	.	PUNCT
gujaf-144	133	1	the	the	DET
gujaf-144	133	2	model	model	NOUN
gujaf-144	133	3	to	to	PART
gujaf-144	133	4	be	be	AUX
gujaf-144	133	5	used	use	VERB
gujaf-144	133	6	for	for	ADP
gujaf-144	133	7	the	the	DET
gujaf-144	133	8	regression	regression	NOUN
gujaf-144	133	9	analysis	analysis	NOUN
gujaf-144	133	10	was	be	AUX
gujaf-144	133	11	formulated	formulate	VERB
gujaf-144	133	12	from	from	ADP
gujaf-144	133	13	the	the	DET
gujaf-144	133	14	variables	variable	NOUN
gujaf-144	133	15	of	of	ADP
gujaf-144	133	16	the	the	DET
gujaf-144	133	17	study	study	NOUN
gujaf-144	133	18	and	and	CCONJ
gujaf-144	133	19	to	to	PART
gujaf-144	133	20	be	be	AUX
gujaf-144	133	21	tested	test	VERB
gujaf-144	133	22	based	base	VERB
gujaf-144	133	23	on	on	ADP
gujaf-144	133	24	hypotheses	hypothesis	NOUN
gujaf-144	133	25	formulated	formulate	VERB
gujaf-144	133	26	in	in	ADP
gujaf-144	133	27	section	section	NOUN
gujaf-144	133	28	one	one	NUM
gujaf-144	133	29	of	of	ADP
gujaf-144	133	30	the	the	DET
gujaf-144	133	31	paper	paper	NOUN
gujaf-144	133	32	:	:	PUNCT
gujaf-144	133	33	epsit	epsit	VERB
gujaf-144	133	34	=	=	PUNCT
gujaf-144	133	35	βo	βo	PROPN
gujaf-144	133	36	+	+	NUM
gujaf-144	133	37	β1carit	β1carit	NOUN
gujaf-144	133	38	+	+	CCONJ
gujaf-144	133	39	β2ldrit	β2ldrit	NOUN
gujaf-144	134	1	+	+	CCONJ
gujaf-144	134	2	β3ldt	β3ldt	PROPN
gujaf-144	134	3	+	+	CCONJ
gujaf-144	134	4	bsit	bsit	VERB
gujaf-144	134	5	+	+	CCONJ
gujaf-144	134	6			PROPN
gujaf-144	134	7	where	where	SCONJ
gujaf-144	134	8	eps	eps	NOUN
gujaf-144	134	9	=	=	SYM
gujaf-144	134	10	earnings	earning	NOUN
gujaf-144	134	11	per	per	ADP
gujaf-144	134	12	share	share	NOUN
gujaf-144	134	13	,	,	PUNCT
gujaf-144	134	14	car	car	NOUN
gujaf-144	134	15	=	=	SYM
gujaf-144	134	16	capital	capital	NOUN
gujaf-144	134	17	adequacy	adequacy	NOUN
gujaf-144	134	18	ratio	ratio	NOUN
gujaf-144	134	19	,	,	PUNCT
gujaf-144	134	20	ldr	ldr	NOUN
gujaf-144	134	21	=	=	SYM
gujaf-144	134	22	liquidity	liquidity	NOUN
gujaf-144	134	23	ratio	ratio	NOUN
gujaf-144	134	24	,	,	PUNCT
gujaf-144	134	25	ltd	ltd	NOUN
gujaf-144	135	1	=	=	NOUN
gujaf-144	135	2	loan	loan	NOUN
gujaf-144	135	3	to	to	PART
gujaf-144	135	4	deposit	deposit	NOUN
gujaf-144	135	5	ratio	ratio	NOUN
gujaf-144	135	6	,	,	PUNCT
gujaf-144	135	7	bs	bs	NOUN
gujaf-144	135	8	=	=	PUNCT
gujaf-144	135	9	bank	bank	NOUN
gujaf-144	135	10	size	size	NOUN
gujaf-144	135	11	,	,	PUNCT
gujaf-144	135	12	βo	βo	PROPN
gujaf-144	135	13	=	=	NOUN
gujaf-144	135	14	model	model	NOUN
gujaf-144	135	15	constant,	constant,	NOUN
gujaf-144	135	16	=	=	NOUN
gujaf-144	135	17	error	error	NOUN
gujaf-144	135	18	time	time	NOUN
gujaf-144	135	19	,	,	PUNCT
gujaf-144	135	20	it	it	PRON
gujaf-144	135	21	=	=	NOUN
gujaf-144	135	22	banks	bank	NOUN
gujaf-144	135	23	and	and	CCONJ
gujaf-144	135	24	time	time	NOUN
gujaf-144	135	25	table	table	NOUN
gujaf-144	135	26	1	1	NUM
gujaf-144	135	27	:	:	PUNCT
gujaf-144	135	28	variable	variable	ADJ
gujaf-144	135	29	measurement	measurement	NOUN
gujaf-144	135	30	variable	variable	ADJ
gujaf-144	135	31	proxy	proxy	NOUN
gujaf-144	135	32	(	(	PUNCT
gujaf-144	135	33	ies	ies	PROPN
gujaf-144	135	34	)	)	PUNCT
gujaf-144	135	35	measurement	measurement	NOUN
gujaf-144	135	36	liquidity	liquidity	NOUN
gujaf-144	135	37	management	management	NOUN
gujaf-144	135	38	capital	capital	NOUN
gujaf-144	135	39	adequacy	adequacy	NOUN
gujaf-144	135	40	ratio	ratio	NOUN
gujaf-144	135	41	total	total	NOUN
gujaf-144	135	42	equity	equity	NOUN
gujaf-144	135	43	divided	divide	VERB
gujaf-144	135	44	by	by	ADP
gujaf-144	135	45	total	total	ADJ
gujaf-144	135	46	assets	asset	NOUN
gujaf-144	135	47	liquidity	liquidity	NOUN
gujaf-144	135	48	ratio	ratio	NOUN
gujaf-144	135	49	cash	cash	NOUN
gujaf-144	135	50	to	to	ADP
gujaf-144	135	51	total	total	ADJ
gujaf-144	135	52	assets	asset	NOUN
gujaf-144	135	53	10	10	NUM
gujaf-144	135	54	loan	loan	NOUN
gujaf-144	135	55	to	to	PART
gujaf-144	135	56	deposit	deposit	VERB
gujaf-144	135	57	ratio	ratio	NOUN
gujaf-144	135	58	loans	loan	NOUN
gujaf-144	135	59	divided	divide	VERB
gujaf-144	135	60	by	by	ADP
gujaf-144	135	61	deposits	deposit	NOUN
gujaf-144	135	62	(	(	PUNCT
gujaf-144	135	63	alali	alali	ADJ
gujaf-144	135	64	,	,	PUNCT
gujaf-144	135	65	2020	2020	NUM
gujaf-144	135	66	)	)	PUNCT
gujaf-144	135	67	financial	financial	ADJ
gujaf-144	135	68	performance	performance	NOUN
gujaf-144	135	69	earnings	earning	NOUN
gujaf-144	135	70	per	per	ADP
gujaf-144	135	71	share	share	NOUN
gujaf-144	135	72	(	(	PUNCT
gujaf-144	135	73	eps	eps	NOUN
gujaf-144	135	74	)	)	PUNCT
gujaf-144	135	75	profit	profit	NOUN
gujaf-144	135	76	after	after	ADP
gujaf-144	135	77	tax	tax	NOUN
gujaf-144	135	78	divided	divide	VERB
gujaf-144	135	79	by	by	ADP
gujaf-144	135	80	outstanding	outstanding	ADJ
gujaf-144	135	81	ordinary	ordinary	ADJ
gujaf-144	135	82	shares	share	NOUN
gujaf-144	135	83	in	in	ADP
gujaf-144	135	84	issue	issue	NOUN
gujaf-144	135	85	(	(	PUNCT
gujaf-144	135	86	pandy	pandy	NOUN
gujaf-144	135	87	,	,	PUNCT
gujaf-144	135	88	2009	2009	NUM
gujaf-144	135	89	)	)	PUNCT
gujaf-144	135	90	control	control	NOUN
gujaf-144	135	91	variable	variable	ADJ
gujaf-144	135	92	leverage	leverage	NOUN
gujaf-144	135	93	total	total	ADJ
gujaf-144	135	94	debt	debt	NOUN
gujaf-144	135	95	to	to	ADP
gujaf-144	135	96	total	total	ADJ
gujaf-144	135	97	assets	asset	NOUN
gujaf-144	135	98	.	.	PUNCT
gujaf-144	136	1	(	(	PUNCT
gujaf-144	136	2	emmanuel	emmanuel	PROPN
gujaf-144	136	3	&	&	CCONJ
gujaf-144	136	4	stephen	stephen	PROPN
gujaf-144	136	5	,	,	PUNCT
gujaf-144	136	6	2020	2020	NUM
gujaf-144	136	7	)	)	PUNCT
gujaf-144	136	8	.	.	PUNCT
gujaf-144	137	1	source	source	NOUN
gujaf-144	137	2	:	:	PUNCT
gujaf-144	137	3	compiled	compile	VERB
gujaf-144	137	4	by	by	ADP
gujaf-144	137	5	authors	author	NOUN
gujaf-144	137	6	(	(	PUNCT
gujaf-144	137	7	2022	2022	NUM
gujaf-144	137	8	)	)	PUNCT
gujaf-144	137	9	4	4	NUM
gujaf-144	137	10	.	.	NOUN
gujaf-144	137	11	results	result	NOUN
gujaf-144	137	12	and	and	CCONJ
gujaf-144	137	13	discussion	discussion	NOUN
gujaf-144	137	14	this	this	PRON
gujaf-144	137	15	includes	include	VERB
gujaf-144	137	16	presentation	presentation	NOUN
gujaf-144	137	17	,	,	PUNCT
gujaf-144	137	18	interpretation	interpretation	NOUN
gujaf-144	137	19	,	,	PUNCT
gujaf-144	137	20	analyses	analysis	NOUN
gujaf-144	137	21	and	and	CCONJ
gujaf-144	137	22	discussion	discussion	NOUN
gujaf-144	137	23	of	of	ADP
gujaf-144	137	24	the	the	DET
gujaf-144	137	25	descriptive	descriptive	ADJ
gujaf-144	137	26	statistics	statistic	NOUN
gujaf-144	137	27	,	,	PUNCT
gujaf-144	137	28	correlation	correlation	NOUN
gujaf-144	137	29	result	result	NOUN
gujaf-144	137	30	and	and	CCONJ
gujaf-144	137	31	the	the	DET
gujaf-144	137	32	summary	summary	NOUN
gujaf-144	137	33	of	of	ADP
gujaf-144	137	34	the	the	DET
gujaf-144	137	35	regression	regression	NOUN
gujaf-144	137	36	results	result	NOUN
gujaf-144	137	37	.	.	PUNCT
gujaf-144	138	1	table	table	NOUN
gujaf-144	138	2	2	2	NUM
gujaf-144	138	3	:	:	PUNCT
gujaf-144	138	4	descriptive	descriptive	ADJ
gujaf-144	138	5	statistics	statistic	NOUN
gujaf-144	139	1	variables	variables	PROPN
gujaf-144	139	2	min	min	PROPN
gujaf-144	139	3	max	max	PROPN
gujaf-144	139	4	mean	mean	PROPN
gujaf-144	139	5	std	std	PROPN
gujaf-144	139	6	.	.	PROPN
gujaf-144	139	7	dev	dev	PROPN
gujaf-144	139	8	.	.	PROPN
gujaf-144	139	9	sktest	sktest	PROPN
gujaf-144	139	10	tobin	tobin	PROPN
gujaf-144	139	11	’s	’s	PART
gujaf-144	139	12	q	q	PROPN
gujaf-144	139	13	0.63	0.63	NUM
gujaf-144	139	14	2.55	2.55	NUM
gujaf-144	139	15	0.870	0.870	NUM
gujaf-144	139	16	0.247	0.247	NUM
gujaf-144	139	17	0.0000	0.0000	NUM
gujaf-144	139	18	car	car	NOUN
gujaf-144	139	19	2.97	2.97	NUM
gujaf-144	139	20	95.2	95.2	NUM
gujaf-144	139	21	14.89	14.89	NUM
gujaf-144	139	22	8.474	8.474	NUM
gujaf-144	139	23	0.0000	0.0000	NUM
gujaf-144	139	24	ldr	ldr	VERB
gujaf-144	139	25	1.57	1.57	NUM
gujaf-144	139	26	34.3	34.3	NUM
gujaf-144	139	27	14.15	14.15	NUM
gujaf-144	139	28	7.178	7.178	NUM
gujaf-144	139	29	0.3818	0.3818	NUM
gujaf-144	139	30	ltd	ltd	PROPN
gujaf-144	139	31	3.55	3.55	NUM
gujaf-144	139	32	99.1	99.1	NUM
gujaf-144	139	33	62.94	62.94	NUM
gujaf-144	139	34	18.66	18.66	NUM
gujaf-144	139	35	0.1535	0.1535	NUM
gujaf-144	139	36	dta	dta	PROPN
gujaf-144	139	37	71.7	71.7	NUM
gujaf-144	139	38	254.7	254.7	NUM
gujaf-144	139	39	89.29	89.29	NUM
gujaf-144	139	40	21.62	21.62	NUM
gujaf-144	139	41	0.0000	0.0000	NUM
gujaf-144	139	42	source	source	NOUN
gujaf-144	139	43	:	:	PUNCT
gujaf-144	139	44	descriptive	descriptive	ADJ
gujaf-144	139	45	statistic	statistic	NOUN
gujaf-144	139	46	results	result	NOUN
gujaf-144	139	47	using	use	VERB
gujaf-144	139	48	stata	stata	NOUN
gujaf-144	139	49	13	13	NUM
gujaf-144	139	50	table	table	NOUN
gujaf-144	139	51	2	2	NUM
gujaf-144	139	52	shows	show	VERB
gujaf-144	139	53	the	the	DET
gujaf-144	139	54	minimum	minimum	ADJ
gujaf-144	139	55	value	value	NOUN
gujaf-144	139	56	of	of	ADP
gujaf-144	139	57	tobin	tobin	PROPN
gujaf-144	139	58	’s	’s	PART
gujaf-144	139	59	q	q	PUNCT
gujaf-144	139	60	to	to	PART
gujaf-144	139	61	be	be	AUX
gujaf-144	139	62	0.63	0.63	NUM
gujaf-144	139	63	;	;	PUNCT
gujaf-144	139	64	this	this	PRON
gujaf-144	139	65	implies	imply	VERB
gujaf-144	139	66	that	that	SCONJ
gujaf-144	139	67	some	some	PRON
gujaf-144	139	68	of	of	ADP
gujaf-144	139	69	the	the	DET
gujaf-144	139	70	banks	bank	NOUN
gujaf-144	139	71	were	be	AUX
gujaf-144	139	72	not	not	PART
gujaf-144	139	73	having	have	VERB
gujaf-144	139	74	high	high	ADJ
gujaf-144	139	75	value	value	NOUN
gujaf-144	139	76	as	as	SCONJ
gujaf-144	139	77	they	they	PRON
gujaf-144	139	78	have	have	VERB
gujaf-144	139	79	market	market	NOUN
gujaf-144	139	80	value	value	NOUN
gujaf-144	139	81	less	less	ADJ
gujaf-144	139	82	than	than	ADP
gujaf-144	139	83	one	one	NUM
gujaf-144	139	84	.	.	PUNCT
gujaf-144	140	1	however	however	ADV
gujaf-144	140	2	,	,	PUNCT
gujaf-144	140	3	when	when	SCONJ
gujaf-144	140	4	compared	compare	VERB
gujaf-144	140	5	to	to	ADP
gujaf-144	140	6	the	the	DET
gujaf-144	140	7	highest	high	ADJ
gujaf-144	140	8	level	level	NOUN
gujaf-144	140	9	of	of	ADP
gujaf-144	140	10	tobin	tobin	NOUN
gujaf-144	140	11	’s	’s	PART
gujaf-144	140	12	q	q	NOUN
gujaf-144	140	13	of	of	ADP
gujaf-144	140	14	banks	bank	NOUN
gujaf-144	140	15	2.55	2.55	NUM
gujaf-144	140	16	shows	show	VERB
gujaf-144	140	17	that	that	SCONJ
gujaf-144	140	18	there	there	PRON
gujaf-144	140	19	were	be	VERB
gujaf-144	140	20	banks	bank	NOUN
gujaf-144	140	21	whose	whose	DET
gujaf-144	140	22	financial	financial	ADJ
gujaf-144	140	23	performance	performance	NOUN
gujaf-144	140	24	in	in	ADP
gujaf-144	140	25	the	the	DET
gujaf-144	140	26	marketplace	marketplace	NOUN
gujaf-144	140	27	was	be	AUX
gujaf-144	140	28	more	more	ADJ
gujaf-144	140	29	than	than	ADP
gujaf-144	140	30	the	the	DET
gujaf-144	140	31	nominal	nominal	ADJ
gujaf-144	140	32	value	value	NOUN
gujaf-144	140	33	of	of	ADP
gujaf-144	140	34	their	their	PRON
gujaf-144	140	35	shares	share	NOUN
gujaf-144	140	36	.	.	PUNCT
gujaf-144	141	1	on	on	ADP
gujaf-144	141	2	the	the	DET
gujaf-144	141	3	overall	overall	NOUN
gujaf-144	141	4	,	,	PUNCT
gujaf-144	141	5	most	most	ADJ
gujaf-144	141	6	of	of	ADP
gujaf-144	141	7	the	the	DET
gujaf-144	141	8	banks	bank	NOUN
gujaf-144	141	9	have	have	VERB
gujaf-144	141	10	a	a	DET
gujaf-144	141	11	very	very	ADV
gujaf-144	141	12	low	low	ADJ
gujaf-144	141	13	value	value	NOUN
gujaf-144	141	14	within	within	ADP
gujaf-144	141	15	the	the	DET
gujaf-144	141	16	study	study	NOUN
gujaf-144	141	17	period	period	NOUN
gujaf-144	141	18	which	which	PRON
gujaf-144	141	19	implies	imply	VERB
gujaf-144	141	20	that	that	SCONJ
gujaf-144	141	21	their	their	PRON
gujaf-144	141	22	financial	financial	ADJ
gujaf-144	141	23	performance	performance	NOUN
gujaf-144	141	24	was	be	AUX
gujaf-144	141	25	low	low	ADJ
gujaf-144	141	26	.	.	PUNCT
gujaf-144	142	1	the	the	DET
gujaf-144	142	2	capital	capital	NOUN
gujaf-144	142	3	adequacy	adequacy	NOUN
gujaf-144	142	4	ratio	ratio	NOUN
gujaf-144	142	5	had	have	VERB
gujaf-144	142	6	a	a	DET
gujaf-144	142	7	minimum	minimum	ADJ
gujaf-144	142	8	value	value	NOUN
gujaf-144	142	9	of	of	ADP
gujaf-144	142	10	2.97	2.97	NUM
gujaf-144	142	11	and	and	CCONJ
gujaf-144	142	12	a	a	DET
gujaf-144	142	13	maximum	maximum	ADJ
gujaf-144	142	14	value	value	NOUN
gujaf-144	142	15	of	of	ADP
gujaf-144	142	16	95.2	95.2	NUM
gujaf-144	142	17	.	.	PUNCT
gujaf-144	143	1	this	this	PRON
gujaf-144	143	2	implies	imply	VERB
gujaf-144	143	3	that	that	SCONJ
gujaf-144	143	4	the	the	DET
gujaf-144	143	5	banks	bank	NOUN
gujaf-144	143	6	even	even	ADV
gujaf-144	143	7	with	with	ADP
gujaf-144	143	8	low	low	ADJ
gujaf-144	143	9	capital	capital	NOUN
gujaf-144	143	10	adequacy	adequacy	NOUN
gujaf-144	143	11	had	have	VERB
gujaf-144	143	12	2	2	NUM
gujaf-144	143	13	times	time	NOUN
gujaf-144	143	14	what	what	PRON
gujaf-144	143	15	is	be	AUX
gujaf-144	143	16	required	require	VERB
gujaf-144	143	17	in	in	ADP
gujaf-144	143	18	terms	term	NOUN
gujaf-144	143	19	of	of	ADP
gujaf-144	143	20	capitalization	capitalization	NOUN
gujaf-144	143	21	.	.	PUNCT
gujaf-144	144	1	meanwhile	meanwhile	ADV
gujaf-144	144	2	,	,	PUNCT
gujaf-144	144	3	the	the	DET
gujaf-144	144	4	highest	high	ADJ
gujaf-144	144	5	was	be	AUX
gujaf-144	144	6	95	95	NUM
gujaf-144	144	7	times	time	NOUN
gujaf-144	144	8	the	the	DET
gujaf-144	144	9	required	required	ADJ
gujaf-144	144	10	capital	capital	NOUN
gujaf-144	144	11	.	.	PUNCT
gujaf-144	145	1	on	on	ADP
gujaf-144	145	2	average	average	ADJ
gujaf-144	145	3	,	,	PUNCT
gujaf-144	145	4	majority	majority	NOUN
gujaf-144	145	5	of	of	ADP
gujaf-144	145	6	the	the	DET
gujaf-144	145	7	banks	bank	NOUN
gujaf-144	145	8	had	have	VERB
gujaf-144	145	9	14	14	NUM
gujaf-144	145	10	times	time	NOUN
gujaf-144	145	11	what	what	PRON
gujaf-144	145	12	is	be	AUX
gujaf-144	145	13	required	require	VERB
gujaf-144	145	14	by	by	ADP
gujaf-144	145	15	law	law	NOUN
gujaf-144	145	16	to	to	PART
gujaf-144	145	17	be	be	AUX
gujaf-144	145	18	saved	save	VERB
gujaf-144	145	19	with	with	ADP
gujaf-144	145	20	central	central	ADJ
gujaf-144	145	21	bank	bank	PROPN
gujaf-144	145	22	of	of	ADP
gujaf-144	145	23	nigeria	nigeria	PROPN
gujaf-144	145	24	.	.	PUNCT
gujaf-144	146	1	in	in	ADP
gujaf-144	146	2	other	other	ADJ
gujaf-144	146	3	words	word	NOUN
gujaf-144	146	4	,	,	PUNCT
gujaf-144	146	5	this	this	PRON
gujaf-144	146	6	means	mean	VERB
gujaf-144	146	7	that	that	SCONJ
gujaf-144	146	8	all	all	DET
gujaf-144	146	9	the	the	DET
gujaf-144	146	10	banks	bank	NOUN
gujaf-144	146	11	had	have	AUX
gujaf-144	146	12	reserved	reserve	VERB
gujaf-144	146	13	at	at	ADP
gujaf-144	146	14	most	most	ADJ
gujaf-144	146	15	14.89	14.89	NUM
gujaf-144	146	16	%	%	NOUN
gujaf-144	146	17	ratio	ratio	NOUN
gujaf-144	146	18	of	of	ADP
gujaf-144	146	19	total	total	ADJ
gujaf-144	146	20	qualifying	qualifying	NOUN
gujaf-144	146	21	capital	capital	NOUN
gujaf-144	146	22	to	to	PART
gujaf-144	146	23	total	total	ADJ
gujaf-144	146	24	risk	risk	NOUN
gujaf-144	146	25	weighted	weight	VERB
gujaf-144	146	26	assets	asset	NOUN
gujaf-144	146	27	.	.	PUNCT
gujaf-144	147	1	liquidity	liquidity	NOUN
gujaf-144	147	2	ratio	ratio	NOUN
gujaf-144	147	3	recorded	record	VERB
gujaf-144	147	4	a	a	DET
gujaf-144	147	5	minimum	minimum	ADJ
gujaf-144	147	6	value	value	NOUN
gujaf-144	147	7	of	of	ADP
gujaf-144	147	8	1.57	1.57	NUM
gujaf-144	147	9	and	and	CCONJ
gujaf-144	147	10	maximum	maximum	ADJ
gujaf-144	147	11	value	value	NOUN
gujaf-144	147	12	of	of	ADP
gujaf-144	147	13	34.3	34.3	NUM
gujaf-144	147	14	.	.	PUNCT
gujaf-144	148	1	this	this	PRON
gujaf-144	148	2	shows	show	VERB
gujaf-144	148	3	that	that	SCONJ
gujaf-144	148	4	the	the	DET
gujaf-144	148	5	lowest	low	ADJ
gujaf-144	148	6	liquidity	liquidity	NOUN
gujaf-144	148	7	ratio	ratio	NOUN
gujaf-144	148	8	for	for	ADP
gujaf-144	148	9	the	the	DET
gujaf-144	148	10	banks	bank	NOUN
gujaf-144	148	11	during	during	ADP
gujaf-144	148	12	the	the	DET
gujaf-144	148	13	study	study	NOUN
gujaf-144	148	14	period	period	NOUN
gujaf-144	148	15	was	be	AUX
gujaf-144	148	16	1.57	1.57	NUM
gujaf-144	148	17	percent	percent	NOUN
gujaf-144	148	18	,	,	PUNCT
gujaf-144	148	19	while	while	SCONJ
gujaf-144	148	20	the	the	DET
gujaf-144	148	21	highest	high	ADJ
gujaf-144	148	22	percentage	percentage	NOUN
gujaf-144	148	23	of	of	ADP
gujaf-144	148	24	liquidity	liquidity	NOUN
gujaf-144	148	25	ratio	ratio	NOUN
gujaf-144	148	26	was	be	AUX
gujaf-144	148	27	34.32	34.32	NUM
gujaf-144	148	28	%	%	NOUN
gujaf-144	148	29	.	.	PUNCT
gujaf-144	149	1	also	also	ADV
gujaf-144	149	2	,	,	PUNCT
gujaf-144	149	3	on	on	ADP
gujaf-144	149	4	average	average	ADJ
gujaf-144	149	5	the	the	DET
gujaf-144	149	6	liquidity	liquidity	NOUN
gujaf-144	149	7	ratio	ratio	NOUN
gujaf-144	149	8	for	for	ADP
gujaf-144	149	9	all	all	DET
gujaf-144	149	10	the	the	DET
gujaf-144	149	11	banks	bank	NOUN
gujaf-144	149	12	was	be	AUX
gujaf-144	149	13	about	about	ADP
gujaf-144	149	14	14.15	14.15	NUM
gujaf-144	149	15	.	.	PUNCT
gujaf-144	150	1	loan	loan	NOUN
gujaf-144	150	2	to	to	ADP
gujaf-144	150	3	deposit	deposit	NOUN
gujaf-144	150	4	ratio	ratio	NOUN
gujaf-144	150	5	shows	show	VERB
gujaf-144	150	6	a	a	DET
gujaf-144	150	7	minimum	minimum	ADJ
gujaf-144	150	8	value	value	NOUN
gujaf-144	150	9	of	of	ADP
gujaf-144	150	10	3.55	3.55	NUM
gujaf-144	150	11	and	and	CCONJ
gujaf-144	150	12	maximum	maximum	ADJ
gujaf-144	150	13	value	value	NOUN
gujaf-144	150	14	of	of	ADP
gujaf-144	150	15	99.1	99.1	NUM
gujaf-144	150	16	.	.	PUNCT
gujaf-144	151	1	this	this	PRON
gujaf-144	151	2	implies	imply	VERB
gujaf-144	151	3	that	that	SCONJ
gujaf-144	151	4	11	11	NUM
gujaf-144	151	5	some	some	DET
gujaf-144	151	6	banks	bank	NOUN
gujaf-144	151	7	had	have	VERB
gujaf-144	151	8	total	total	ADJ
gujaf-144	151	9	loans	loan	NOUN
gujaf-144	151	10	that	that	PRON
gujaf-144	151	11	were	be	AUX
gujaf-144	151	12	more	more	ADJ
gujaf-144	151	13	than	than	SCONJ
gujaf-144	151	14	the	the	DET
gujaf-144	151	15	deposits	deposit	NOUN
gujaf-144	151	16	received	receive	VERB
gujaf-144	151	17	.	.	PUNCT
gujaf-144	152	1	the	the	DET
gujaf-144	152	2	highest	high	ADJ
gujaf-144	152	3	value	value	NOUN
gujaf-144	152	4	indicates	indicate	VERB
gujaf-144	152	5	their	their	PRON
gujaf-144	152	6	banks	bank	NOUN
gujaf-144	152	7	that	that	PRON
gujaf-144	152	8	had	have	VERB
gujaf-144	152	9	99	99	NUM
gujaf-144	152	10	%	%	NOUN
gujaf-144	152	11	of	of	ADP
gujaf-144	152	12	total	total	ADJ
gujaf-144	152	13	loans	loan	NOUN
gujaf-144	152	14	more	more	ADJ
gujaf-144	152	15	than	than	ADP
gujaf-144	152	16	their	their	PRON
gujaf-144	152	17	total	total	ADJ
gujaf-144	152	18	deposits	deposit	NOUN
gujaf-144	152	19	.	.	PUNCT
gujaf-144	153	1	the	the	DET
gujaf-144	153	2	mean	mean	ADJ
gujaf-144	153	3	value	value	NOUN
gujaf-144	153	4	was	be	AUX
gujaf-144	153	5	62.94	62.94	NUM
gujaf-144	153	6	means	mean	VERB
gujaf-144	153	7	that	that	SCONJ
gujaf-144	153	8	on	on	ADP
gujaf-144	153	9	average	average	ADJ
gujaf-144	153	10	,	,	PUNCT
gujaf-144	153	11	total	total	ADJ
gujaf-144	153	12	loans	loan	NOUN
gujaf-144	153	13	from	from	ADP
gujaf-144	153	14	the	the	DET
gujaf-144	153	15	banks	bank	NOUN
gujaf-144	153	16	outgrew	outgrow	VERB
gujaf-144	153	17	its	its	PRON
gujaf-144	153	18	total	total	ADJ
gujaf-144	153	19	deposits	deposit	NOUN
gujaf-144	153	20	by	by	ADP
gujaf-144	153	21	62.94	62.94	NUM
gujaf-144	153	22	%	%	NOUN
gujaf-144	153	23	.	.	PUNCT
gujaf-144	154	1	table	table	NOUN
gujaf-144	154	2	3	3	NUM
gujaf-144	154	3	:	:	PUNCT
gujaf-144	154	4	correlation	correlation	NOUN
gujaf-144	154	5	analysis	analysis	NOUN
gujaf-144	154	6	tobin	tobin	NOUN
gujaf-144	154	7	’s	’s	PART
gujaf-144	154	8	q	q	PROPN
gujaf-144	154	9	car	car	NOUN
gujaf-144	154	10	ldr	ldr	PROPN
gujaf-144	154	11	ltd	ltd	PROPN
gujaf-144	154	12	dta	dta	PROPN
gujaf-144	154	13	tobin	tobin	PROPN
gujaf-144	154	14	’s	’s	PART
gujaf-144	154	15	q	q	PROPN
gujaf-144	154	16	1	1	NUM
gujaf-144	154	17	car	car	NOUN
gujaf-144	154	18	0.3832	0.3832	NUM
gujaf-144	154	19	*	*	SYM
gujaf-144	154	20	1	1	NUM
gujaf-144	154	21	ldr	ldr	NOUN
gujaf-144	154	22	-0.4735	-0.4735	NOUN
gujaf-144	154	23	*	*	PUNCT
gujaf-144	155	1	-0.2045	-0.2045	PROPN
gujaf-144	155	2	*	*	PUNCT
gujaf-144	155	3	1	1	NUM
gujaf-144	155	4	ltd	ltd	PROPN
gujaf-144	155	5	-0.1422	-0.1422	NOUN
gujaf-144	155	6	*	*	NOUN
gujaf-144	155	7	0.1620	0.1620	NUM
gujaf-144	155	8	-0.0836	-0.0836	ADJ
gujaf-144	155	9	1	1	NUM
gujaf-144	155	10	dta	dta	NOUN
gujaf-144	155	11	0.8421	0.8421	NUM
gujaf-144	155	12	*	*	PUNCT
gujaf-144	156	1	0.2996	0.2996	NUM
gujaf-144	156	2	*	*	PUNCT
gujaf-144	156	3	-0.1937	-0.1937	X
gujaf-144	156	4	*	*	PUNCT
gujaf-144	156	5	-0.2692	-0.2692	PUNCT
gujaf-144	156	6	*	*	SYM
gujaf-144	156	7	1	1	NUM
gujaf-144	156	8	source	source	NOUN
gujaf-144	156	9	:	:	PUNCT
gujaf-144	156	10	correlation	correlation	NOUN
gujaf-144	156	11	matrix	matrix	NOUN
gujaf-144	156	12	results	result	NOUN
gujaf-144	156	13	using	use	VERB
gujaf-144	156	14	stata	stata	NOUN
gujaf-144	156	15	13	13	NUM
gujaf-144	156	16	*	*	PUNCT
gujaf-144	156	17	.	.	PUNCT
gujaf-144	157	1	correlation	correlation	NOUN
gujaf-144	157	2	significance	significance	NOUN
gujaf-144	157	3	is	be	AUX
gujaf-144	157	4	at	at	ADP
gujaf-144	157	5	0.01	0.01	NUM
gujaf-144	157	6	or	or	CCONJ
gujaf-144	157	7	0.05	0.05	NUM
gujaf-144	157	8	level	level	NOUN
gujaf-144	157	9	table	table	NOUN
gujaf-144	157	10	3	3	NUM
gujaf-144	157	11	shows	show	VERB
gujaf-144	157	12	that	that	SCONJ
gujaf-144	157	13	financial	financial	ADJ
gujaf-144	157	14	performance	performance	NOUN
gujaf-144	157	15	is	be	AUX
gujaf-144	157	16	positively	positively	ADV
gujaf-144	157	17	and	and	CCONJ
gujaf-144	157	18	significantly	significantly	ADV
gujaf-144	157	19	correlated	correlate	VERB
gujaf-144	157	20	with	with	ADP
gujaf-144	157	21	capital	capital	NOUN
gujaf-144	157	22	adequacy	adequacy	NOUN
gujaf-144	157	23	ratio	ratio	NOUN
gujaf-144	157	24	to	to	ADP
gujaf-144	157	25	the	the	DET
gujaf-144	157	26	level	level	NOUN
gujaf-144	157	27	of	of	ADP
gujaf-144	157	28	38	38	NUM
gujaf-144	157	29	%	%	NOUN
gujaf-144	157	30	.	.	PUNCT
gujaf-144	158	1	this	this	PRON
gujaf-144	158	2	implies	imply	VERB
gujaf-144	158	3	that	that	SCONJ
gujaf-144	158	4	financial	financial	ADJ
gujaf-144	158	5	performance	performance	NOUN
gujaf-144	158	6	of	of	ADP
gujaf-144	158	7	the	the	DET
gujaf-144	158	8	banks	bank	NOUN
gujaf-144	158	9	is	be	AUX
gujaf-144	158	10	directly	directly	ADV
gujaf-144	158	11	correlated	correlate	VERB
gujaf-144	158	12	with	with	ADP
gujaf-144	158	13	capital	capital	NOUN
gujaf-144	158	14	adequacy	adequacy	NOUN
gujaf-144	158	15	ratio	ratio	NOUN
gujaf-144	158	16	.	.	PUNCT
gujaf-144	159	1	liquidity	liquidity	NOUN
gujaf-144	159	2	ratio	ratio	NOUN
gujaf-144	159	3	is	be	AUX
gujaf-144	159	4	found	find	VERB
gujaf-144	159	5	to	to	PART
gujaf-144	159	6	have	have	VERB
gujaf-144	159	7	a	a	DET
gujaf-144	159	8	negative	negative	ADJ
gujaf-144	159	9	and	and	CCONJ
gujaf-144	159	10	significant	significant	ADJ
gujaf-144	159	11	relationship	relationship	NOUN
gujaf-144	159	12	with	with	ADP
gujaf-144	159	13	financial	financial	ADJ
gujaf-144	159	14	performance	performance	NOUN
gujaf-144	159	15	to	to	ADP
gujaf-144	159	16	the	the	DET
gujaf-144	159	17	tune	tune	NOUN
gujaf-144	159	18	of	of	ADP
gujaf-144	159	19	about	about	ADP
gujaf-144	159	20	47	47	NUM
gujaf-144	159	21	%	%	NOUN
gujaf-144	159	22	level	level	NOUN
gujaf-144	159	23	implying	imply	VERB
gujaf-144	159	24	that	that	SCONJ
gujaf-144	159	25	there	there	PRON
gujaf-144	159	26	is	be	VERB
gujaf-144	159	27	an	an	DET
gujaf-144	159	28	inverse	inverse	ADJ
gujaf-144	159	29	correlation	correlation	NOUN
gujaf-144	159	30	between	between	ADP
gujaf-144	159	31	the	the	DET
gujaf-144	159	32	two	two	NUM
gujaf-144	159	33	variables	variable	NOUN
gujaf-144	159	34	.	.	PUNCT
gujaf-144	160	1	financial	financial	ADJ
gujaf-144	160	2	performance	performance	NOUN
gujaf-144	160	3	recorded	record	VERB
gujaf-144	160	4	a	a	DET
gujaf-144	160	5	negative	negative	ADJ
gujaf-144	160	6	but	but	CCONJ
gujaf-144	160	7	significant	significant	ADJ
gujaf-144	160	8	relationship	relationship	NOUN
gujaf-144	160	9	with	with	ADP
gujaf-144	160	10	loan	loan	NOUN
gujaf-144	160	11	to	to	PART
gujaf-144	160	12	deposit	deposit	NOUN
gujaf-144	160	13	ratio	ratio	NOUN
gujaf-144	160	14	at	at	ADP
gujaf-144	160	15	a	a	DET
gujaf-144	160	16	magnitude	magnitude	NOUN
gujaf-144	160	17	of	of	ADP
gujaf-144	160	18	14	14	NUM
gujaf-144	160	19	%	%	NOUN
gujaf-144	160	20	.	.	PUNCT
gujaf-144	161	1	this	this	PRON
gujaf-144	161	2	shows	show	VERB
gujaf-144	161	3	that	that	SCONJ
gujaf-144	161	4	there	there	PRON
gujaf-144	161	5	is	be	VERB
gujaf-144	161	6	correlation	correlation	NOUN
gujaf-144	161	7	between	between	ADP
gujaf-144	161	8	the	the	DET
gujaf-144	161	9	two	two	NUM
gujaf-144	161	10	variables	variable	NOUN
gujaf-144	161	11	moves	move	NOUN
gujaf-144	161	12	in	in	ADP
gujaf-144	161	13	different	different	ADJ
gujaf-144	161	14	direction	direction	NOUN
gujaf-144	161	15	.	.	PUNCT
gujaf-144	162	1	for	for	ADP
gujaf-144	162	2	the	the	DET
gujaf-144	162	3	association	association	NOUN
gujaf-144	162	4	between	between	ADP
gujaf-144	162	5	the	the	DET
gujaf-144	162	6	independent	independent	ADJ
gujaf-144	162	7	variables	variable	NOUN
gujaf-144	162	8	,	,	PUNCT
gujaf-144	162	9	multicolinearity	multicolinearity	NOUN
gujaf-144	162	10	test	test	NOUN
gujaf-144	162	11	was	be	AUX
gujaf-144	162	12	used	use	VERB
gujaf-144	162	13	to	to	PART
gujaf-144	162	14	determine	determine	VERB
gujaf-144	162	15	whether	whether	SCONJ
gujaf-144	162	16	the	the	DET
gujaf-144	162	17	level	level	NOUN
gujaf-144	162	18	of	of	ADP
gujaf-144	162	19	association	association	NOUN
gujaf-144	162	20	was	be	AUX
gujaf-144	162	21	grievous	grievous	ADJ
gujaf-144	162	22	.	.	PUNCT
gujaf-144	163	1	however	however	ADV
gujaf-144	163	2	,	,	PUNCT
gujaf-144	163	3	a	a	DET
gujaf-144	163	4	mean	mean	NOUN
gujaf-144	163	5	vif	vif	NOUN
gujaf-144	163	6	value	value	NOUN
gujaf-144	163	7	of	of	ADP
gujaf-144	163	8	1.18	1.18	NUM
gujaf-144	163	9	is	be	AUX
gujaf-144	163	10	an	an	DET
gujaf-144	163	11	indication	indication	NOUN
gujaf-144	163	12	that	that	PRON
gujaf-144	163	13	presence	presence	NOUN
gujaf-144	163	14	of	of	ADP
gujaf-144	163	15	multicolinearity	multicolinearity	NOUN
gujaf-144	163	16	is	be	AUX
gujaf-144	163	17	not	not	PART
gujaf-144	163	18	a	a	DET
gujaf-144	163	19	problem	problem	NOUN
gujaf-144	163	20	.	.	PUNCT
gujaf-144	164	1	4.2	4.2	NUM
gujaf-144	164	2	post	post	NOUN
gujaf-144	164	3	estimation	estimation	NOUN
gujaf-144	164	4	tests	test	VERB
gujaf-144	164	5	this	this	DET
gujaf-144	164	6	section	section	NOUN
gujaf-144	164	7	includes	include	VERB
gujaf-144	164	8	hetroscedascity	hetroscedascity	NOUN
gujaf-144	164	9	,	,	PUNCT
gujaf-144	164	10	multicollinearity	multicollinearity	NOUN
gujaf-144	164	11	and	and	CCONJ
gujaf-144	164	12	normality	normality	NOUN
gujaf-144	164	13	test	test	NOUN
gujaf-144	164	14	of	of	ADP
gujaf-144	164	15	error	error	NOUN
gujaf-144	164	16	term	term	NOUN
gujaf-144	164	17	will	will	AUX
gujaf-144	164	18	be	be	AUX
gujaf-144	164	19	discussed	discuss	VERB
gujaf-144	164	20	.	.	PUNCT
gujaf-144	165	1	heteroscedasticity	heteroscedasticity	NOUN
gujaf-144	165	2	test	test	NOUN
gujaf-144	165	3	result	result	NOUN
gujaf-144	165	4	showed	show	VERB
gujaf-144	165	5	that	that	SCONJ
gujaf-144	165	6	the	the	DET
gujaf-144	165	7	chi	chi	ADJ
gujaf-144	165	8	-	-	PUNCT
gujaf-144	165	9	square	square	ADJ
gujaf-144	165	10	value	value	NOUN
gujaf-144	165	11	of	of	ADP
gujaf-144	165	12	0.36	0.36	NUM
gujaf-144	165	13	which	which	PRON
gujaf-144	165	14	is	be	AUX
gujaf-144	165	15	considered	consider	VERB
gujaf-144	165	16	small	small	ADJ
gujaf-144	165	17	and	and	CCONJ
gujaf-144	165	18	the	the	DET
gujaf-144	165	19	probability	probability	NOUN
gujaf-144	165	20	value	value	NOUN
gujaf-144	165	21	of	of	ADP
gujaf-144	165	22	0.2649	0.2649	NUM
gujaf-144	165	23	was	be	AUX
gujaf-144	165	24	greater	great	ADJ
gujaf-144	165	25	than	than	ADP
gujaf-144	165	26	5	5	NUM
gujaf-144	165	27	%	%	NOUN
gujaf-144	165	28	.	.	PUNCT
gujaf-144	166	1	this	this	PRON
gujaf-144	166	2	implies	imply	VERB
gujaf-144	166	3	that	that	SCONJ
gujaf-144	166	4	the	the	DET
gujaf-144	166	5	absence	absence	NOUN
gujaf-144	166	6	of	of	ADP
gujaf-144	166	7	hetroscedascity	hetroscedascity	NOUN
gujaf-144	166	8	.	.	PUNCT
gujaf-144	167	1	therefore	therefore	ADV
gujaf-144	167	2	,	,	PUNCT
gujaf-144	167	3	the	the	DET
gujaf-144	167	4	use	use	NOUN
gujaf-144	167	5	of	of	ADP
gujaf-144	167	6	ordinary	ordinary	ADJ
gujaf-144	167	7	least	least	ADJ
gujaf-144	167	8	square	square	ADJ
gujaf-144	167	9	(	(	PUNCT
gujaf-144	167	10	ols	ol	NOUN
gujaf-144	167	11	)	)	PUNCT
gujaf-144	167	12	is	be	AUX
gujaf-144	167	13	advisable	advisable	ADJ
gujaf-144	167	14	due	due	ADP
gujaf-144	167	15	to	to	ADP
gujaf-144	167	16	the	the	DET
gujaf-144	167	17	non	non	NOUN
gujaf-144	167	18	-	-	NOUN
gujaf-144	167	19	violation	violation	NOUN
gujaf-144	167	20	of	of	ADP
gujaf-144	167	21	the	the	DET
gujaf-144	167	22	classical	classical	ADJ
gujaf-144	167	23	assumptions	assumption	NOUN
gujaf-144	167	24	of	of	ADP
gujaf-144	167	25	ols	ol	NOUN
gujaf-144	167	26	.	.	PUNCT
gujaf-144	168	1	multicollinearity	multicollinearity	NOUN
gujaf-144	168	2	test	test	NOUN
gujaf-144	168	3	results	result	NOUN
gujaf-144	168	4	for	for	ADP
gujaf-144	168	5	vif	vif	NOUN
gujaf-144	168	6	and	and	CCONJ
gujaf-144	168	7	tolerance	tolerance	NOUN
gujaf-144	168	8	values	value	NOUN
gujaf-144	168	9	were	be	AUX
gujaf-144	168	10	found	find	VERB
gujaf-144	168	11	to	to	PART
gujaf-144	168	12	be	be	AUX
gujaf-144	168	13	consistently	consistently	ADV
gujaf-144	168	14	less	less	ADJ
gujaf-144	168	15	than	than	ADP
gujaf-144	168	16	ten	ten	NUM
gujaf-144	168	17	and	and	CCONJ
gujaf-144	168	18	one	one	NUM
gujaf-144	168	19	respectively	respectively	ADV
gujaf-144	168	20	(	(	PUNCT
gujaf-144	168	21	see	see	VERB
gujaf-144	168	22	appendix	appendix	NOUN
gujaf-144	168	23	)	)	PUNCT
gujaf-144	168	24	.	.	PUNCT
gujaf-144	169	1	normality	normality	NOUN
gujaf-144	169	2	of	of	ADP
gujaf-144	169	3	error	error	NOUN
gujaf-144	169	4	term	term	NOUN
gujaf-144	169	5	revealed	reveal	VERB
gujaf-144	169	6	that	that	SCONJ
gujaf-144	169	7	most	most	ADJ
gujaf-144	169	8	residual	residual	ADJ
gujaf-144	169	9	of	of	ADP
gujaf-144	169	10	the	the	DET
gujaf-144	169	11	error	error	NOUN
gujaf-144	169	12	term	term	NOUN
gujaf-144	169	13	was	be	AUX
gujaf-144	169	14	mild	mild	ADJ
gujaf-144	169	15	and	and	CCONJ
gujaf-144	169	16	tolerable	tolerable	ADJ
gujaf-144	169	17	.	.	PUNCT
gujaf-144	170	1	hence	hence	ADV
gujaf-144	170	2	,	,	PUNCT
gujaf-144	170	3	the	the	DET
gujaf-144	170	4	low	low	ADJ
gujaf-144	170	5	level	level	NOUN
gujaf-144	170	6	of	of	ADP
gujaf-144	170	7	abnormality	abnormality	NOUN
gujaf-144	170	8	of	of	ADP
gujaf-144	170	9	error	error	NOUN
gujaf-144	170	10	term	term	NOUN
gujaf-144	170	11	was	be	AUX
gujaf-144	170	12	achieved	achieve	VERB
gujaf-144	170	13	.	.	PUNCT
gujaf-144	171	1	12	12	NUM
gujaf-144	171	2	4.3	4.3	NUM
gujaf-144	171	3	presentation	presentation	NOUN
gujaf-144	171	4	and	and	CCONJ
gujaf-144	171	5	interpretation	interpretation	NOUN
gujaf-144	171	6	of	of	ADP
gujaf-144	171	7	result	result	NOUN
gujaf-144	171	8	in	in	ADP
gujaf-144	171	9	this	this	DET
gujaf-144	171	10	section	section	NOUN
gujaf-144	171	11	,	,	PUNCT
gujaf-144	171	12	the	the	DET
gujaf-144	171	13	relationship	relationship	NOUN
gujaf-144	171	14	between	between	ADP
gujaf-144	171	15	the	the	DET
gujaf-144	171	16	dependent	dependent	ADJ
gujaf-144	171	17	and	and	CCONJ
gujaf-144	171	18	independent	independent	ADJ
gujaf-144	171	19	variables	variable	NOUN
gujaf-144	171	20	using	use	VERB
gujaf-144	171	21	the	the	DET
gujaf-144	171	22	coefficient	coefficient	NOUN
gujaf-144	171	23	,	,	PUNCT
gujaf-144	171	24	the	the	DET
gujaf-144	171	25	t	t	PROPN
gujaf-144	171	26	-	-	PUNCT
gujaf-144	171	27	statistics	statistic	NOUN
gujaf-144	171	28	and	and	CCONJ
gujaf-144	171	29	probability	probability	NOUN
gujaf-144	171	30	to	to	PART
gujaf-144	171	31	describe	describe	VERB
gujaf-144	171	32	the	the	DET
gujaf-144	171	33	pattern	pattern	NOUN
gujaf-144	171	34	and	and	CCONJ
gujaf-144	171	35	the	the	DET
gujaf-144	171	36	strength	strength	NOUN
gujaf-144	171	37	of	of	ADP
gujaf-144	171	38	association	association	NOUN
gujaf-144	171	39	that	that	PRON
gujaf-144	171	40	exist	exist	VERB
gujaf-144	171	41	among	among	ADP
gujaf-144	171	42	the	the	DET
gujaf-144	171	43	variables	variable	NOUN
gujaf-144	171	44	.	.	PUNCT
gujaf-144	172	1	table	table	NOUN
gujaf-144	172	2	4	4	NUM
gujaf-144	172	3	:	:	PUNCT
gujaf-144	172	4	summary	summary	NOUN
gujaf-144	172	5	of	of	ADP
gujaf-144	172	6	regression	regression	NOUN
gujaf-144	172	7	result	result	NOUN
gujaf-144	172	8	(	(	PUNCT
gujaf-144	172	9	ordinary	ordinary	ADJ
gujaf-144	172	10	least	least	ADJ
gujaf-144	172	11	square	square	ADJ
gujaf-144	172	12	)	)	PUNCT
gujaf-144	172	13	variables	variable	NOUN
gujaf-144	172	14	coefficient	coefficient	VERB
gujaf-144	172	15	t	t	PROPN
gujaf-144	172	16	-	-	PUNCT
gujaf-144	172	17	statistics	statistic	NOUN
gujaf-144	172	18	prob	prob	PROPN
gujaf-144	172	19	.	.	PUNCT
gujaf-144	173	1	value	value	PROPN
gujaf-144	173	2	cumulative	cumulative	ADJ
gujaf-144	173	3	results	result	NOUN
gujaf-144	173	4	constant	constant	ADJ
gujaf-144	173	5	0.1831	0.1831	NUM
gujaf-144	173	6	2.57	2.57	NUM
gujaf-144	173	7	0.011	0.011	NUM
gujaf-144	173	8	car	car	NOUN
gujaf-144	173	9	0.0025	0.0025	NUM
gujaf-144	173	10	2.03	2.03	NUM
gujaf-144	173	11	0.045	0.045	NUM
gujaf-144	173	12	ldr	ldr	NOUN
gujaf-144	173	13	-0.0105	-0.0105	PROPN
gujaf-144	173	14	-7.40	-7.40	PROPN
gujaf-144	173	15	0.000	0.000	NUM
gujaf-144	173	16	ldt	ldt	PROPN
gujaf-144	173	17	0.0003	0.0003	NUM
gujaf-144	173	18	0.54	0.54	NUM
gujaf-144	173	19	0.592	0.592	NUM
gujaf-144	173	20	dta	dta	NOUN
gujaf-144	173	21	0.0087	0.0087	NUM
gujaf-144	173	22	16.9	16.9	NUM
gujaf-144	173	23	0.000	0.000	NUM
gujaf-144	173	24	r2	r2	PROPN
gujaf-144	173	25	0.8176	0.8176	NUM
gujaf-144	173	26	adjusted	adjust	VERB
gujaf-144	173	27	r2	r2	PROPN
gujaf-144	173	28	0.8113	0.8113	NUM
gujaf-144	173	29	fisher	fisher	PROPN
gujaf-144	173	30	exact	exact	ADJ
gujaf-144	173	31	statistics	statistic	NOUN
gujaf-144	173	32	128.87	128.87	NUM
gujaf-144	173	33	f	f	NOUN
gujaf-144	173	34	-	-	PUNCT
gujaf-144	173	35	significance	significance	NOUN
gujaf-144	173	36	0.0000	0.0000	NUM
gujaf-144	173	37	hetroscedasticity	hetroscedasticity	NOUN
gujaf-144	173	38	(	(	PUNCT
gujaf-144	173	39	chi2	chi2	PROPN
gujaf-144	173	40	)	)	PUNCT
gujaf-144	173	41	1.24	1.24	NUM
gujaf-144	173	42	hettest	hettest	NOUN
gujaf-144	173	43	probability	probability	NOUN
gujaf-144	173	44	(	(	PUNCT
gujaf-144	173	45	chi2	chi2	PROPN
gujaf-144	173	46	)	)	PUNCT
gujaf-144	173	47	0.2649	0.2649	NUM
gujaf-144	173	48	mean	mean	NOUN
gujaf-144	173	49	vif	vif	PROPN
gujaf-144	173	50	1.18	1.18	NUM
gujaf-144	173	51	source	source	NOUN
gujaf-144	173	52	:	:	PUNCT
gujaf-144	173	53	result	result	VERB
gujaf-144	173	54	output	output	NOUN
gujaf-144	173	55	from	from	ADP
gujaf-144	173	56	stata	stata	PROPN
gujaf-144	173	57	13	13	NUM
gujaf-144	173	58	the	the	DET
gujaf-144	173	59	cumulative	cumulative	ADJ
gujaf-144	173	60	r2	r2	NOUN
gujaf-144	173	61	of	of	ADP
gujaf-144	173	62	0.8113	0.8113	NUM
gujaf-144	173	63	signifies	signifie	NOUN
gujaf-144	173	64	that	that	SCONJ
gujaf-144	173	65	81.13	81.13	NUM
gujaf-144	173	66	%	%	NOUN
gujaf-144	173	67	of	of	ADP
gujaf-144	173	68	total	total	ADJ
gujaf-144	173	69	variation	variation	NOUN
gujaf-144	173	70	in	in	ADP
gujaf-144	173	71	financial	financial	ADJ
gujaf-144	173	72	performance	performance	NOUN
gujaf-144	173	73	of	of	ADP
gujaf-144	173	74	listed	list	VERB
gujaf-144	173	75	deposit	deposit	NOUN
gujaf-144	173	76	money	money	NOUN
gujaf-144	173	77	banks	bank	NOUN
gujaf-144	173	78	in	in	ADP
gujaf-144	173	79	nigeria	nigeria	PROPN
gujaf-144	173	80	is	be	AUX
gujaf-144	173	81	driven	drive	VERB
gujaf-144	173	82	by	by	ADP
gujaf-144	173	83	its	its	PRON
gujaf-144	173	84	capital	capital	NOUN
gujaf-144	173	85	adequacy	adequacy	NOUN
gujaf-144	173	86	ratio	ratio	NOUN
gujaf-144	173	87	,	,	PUNCT
gujaf-144	173	88	liquidity	liquidity	NOUN
gujaf-144	173	89	ratio	ratio	NOUN
gujaf-144	173	90	and	and	CCONJ
gujaf-144	173	91	loan	loan	NOUN
gujaf-144	173	92	to	to	PART
gujaf-144	173	93	deposit	deposit	VERB
gujaf-144	173	94	ratio	ratio	NOUN
gujaf-144	173	95	and	and	CCONJ
gujaf-144	173	96	leverage	leverage	NOUN
gujaf-144	173	97	used	use	VERB
gujaf-144	173	98	in	in	ADP
gujaf-144	173	99	this	this	DET
gujaf-144	173	100	study	study	NOUN
gujaf-144	173	101	.	.	PUNCT
gujaf-144	174	1	the	the	DET
gujaf-144	174	2	fisher	fisher	PROPN
gujaf-144	174	3	exact	exact	PROPN
gujaf-144	174	4	statistics	statistic	NOUN
gujaf-144	174	5	value	value	NOUN
gujaf-144	174	6	of	of	ADP
gujaf-144	174	7	128.87	128.87	NUM
gujaf-144	174	8	with	with	ADP
gujaf-144	174	9	a	a	DET
gujaf-144	174	10	significant	significant	ADJ
gujaf-144	174	11	value	value	NOUN
gujaf-144	174	12	of	of	ADP
gujaf-144	174	13	1	1	NUM
gujaf-144	174	14	%	%	NOUN
gujaf-144	174	15	shows	show	VERB
gujaf-144	174	16	that	that	SCONJ
gujaf-144	174	17	the	the	DET
gujaf-144	174	18	model	model	NOUN
gujaf-144	174	19	of	of	ADP
gujaf-144	174	20	the	the	DET
gujaf-144	174	21	study	study	NOUN
gujaf-144	174	22	is	be	AUX
gujaf-144	174	23	appropriate	appropriate	ADJ
gujaf-144	174	24	and	and	CCONJ
gujaf-144	174	25	well	well	ADV
gujaf-144	174	26	fitted	fit	VERB
gujaf-144	174	27	.	.	PUNCT
gujaf-144	175	1	it	it	PRON
gujaf-144	175	2	further	far	ADV
gujaf-144	175	3	implies	imply	VERB
gujaf-144	175	4	that	that	SCONJ
gujaf-144	175	5	there	there	PRON
gujaf-144	175	6	is	be	VERB
gujaf-144	175	7	99.9	99.9	NUM
gujaf-144	175	8	%	%	NOUN
gujaf-144	175	9	probability	probability	NOUN
gujaf-144	175	10	that	that	SCONJ
gujaf-144	175	11	the	the	DET
gujaf-144	175	12	association	association	NOUN
gujaf-144	175	13	between	between	ADP
gujaf-144	175	14	the	the	DET
gujaf-144	175	15	variables	variable	NOUN
gujaf-144	175	16	was	be	AUX
gujaf-144	175	17	not	not	PART
gujaf-144	175	18	due	due	ADJ
gujaf-144	175	19	to	to	ADP
gujaf-144	175	20	mere	mere	ADJ
gujaf-144	175	21	chance	chance	NOUN
gujaf-144	175	22	and	and	CCONJ
gujaf-144	175	23	as	as	SCONJ
gujaf-144	175	24	such	such	DET
gujaf-144	175	25	the	the	DET
gujaf-144	175	26	inferences	inference	NOUN
gujaf-144	175	27	drawn	draw	VERB
gujaf-144	175	28	from	from	ADP
gujaf-144	175	29	the	the	DET
gujaf-144	175	30	research	research	NOUN
gujaf-144	175	31	could	could	AUX
gujaf-144	175	32	be	be	AUX
gujaf-144	175	33	relied	rely	VERB
gujaf-144	175	34	upon	upon	SCONJ
gujaf-144	175	35	.	.	PUNCT
gujaf-144	176	1	capital	capital	NOUN
gujaf-144	176	2	adequacy	adequacy	NOUN
gujaf-144	176	3	ratio	ratio	NOUN
gujaf-144	176	4	had	have	VERB
gujaf-144	176	5	a	a	DET
gujaf-144	176	6	coefficient	coefficient	NOUN
gujaf-144	176	7	value	value	NOUN
gujaf-144	176	8	of	of	ADP
gujaf-144	176	9	0.0025	0.0025	NUM
gujaf-144	176	10	,	,	PUNCT
gujaf-144	176	11	t	t	NOUN
gujaf-144	176	12	-	-	PUNCT
gujaf-144	176	13	value	value	NOUN
gujaf-144	176	14	of	of	ADP
gujaf-144	176	15	2.03	2.03	NUM
gujaf-144	176	16	that	that	PRON
gujaf-144	176	17	is	be	AUX
gujaf-144	176	18	significant	significant	ADJ
gujaf-144	176	19	at	at	ADP
gujaf-144	176	20	5	5	NUM
gujaf-144	176	21	%	%	NOUN
gujaf-144	176	22	level	level	NOUN
gujaf-144	176	23	.	.	PUNCT
gujaf-144	177	1	this	this	PRON
gujaf-144	177	2	means	mean	VERB
gujaf-144	177	3	that	that	SCONJ
gujaf-144	177	4	capital	capital	NOUN
gujaf-144	177	5	adequacy	adequacy	NOUN
gujaf-144	177	6	ratio	ratio	NOUN
gujaf-144	177	7	has	have	VERB
gujaf-144	177	8	significant	significant	ADJ
gujaf-144	177	9	and	and	CCONJ
gujaf-144	177	10	positive	positive	ADJ
gujaf-144	177	11	effect	effect	NOUN
gujaf-144	177	12	on	on	ADP
gujaf-144	177	13	the	the	DET
gujaf-144	177	14	financial	financial	ADJ
gujaf-144	177	15	performance	performance	NOUN
gujaf-144	177	16	of	of	ADP
gujaf-144	177	17	banks	bank	NOUN
gujaf-144	177	18	in	in	ADP
gujaf-144	177	19	nigeria	nigeria	PROPN
gujaf-144	177	20	which	which	PRON
gujaf-144	177	21	further	far	ADV
gujaf-144	177	22	implies	imply	VERB
gujaf-144	177	23	that	that	SCONJ
gujaf-144	177	24	an	an	DET
gujaf-144	177	25	increase	increase	NOUN
gujaf-144	177	26	in	in	ADP
gujaf-144	177	27	capital	capital	NOUN
gujaf-144	177	28	adequacy	adequacy	NOUN
gujaf-144	177	29	ratio	ratio	NOUN
gujaf-144	177	30	will	will	AUX
gujaf-144	177	31	significantly	significantly	ADV
gujaf-144	177	32	increase	increase	VERB
gujaf-144	177	33	the	the	DET
gujaf-144	177	34	financial	financial	ADJ
gujaf-144	177	35	performance	performance	NOUN
gujaf-144	177	36	of	of	ADP
gujaf-144	177	37	banks	bank	NOUN
gujaf-144	177	38	.	.	PUNCT
gujaf-144	178	1	this	this	PRON
gujaf-144	178	2	may	may	AUX
gujaf-144	178	3	be	be	AUX
gujaf-144	178	4	as	as	ADP
gujaf-144	178	5	a	a	DET
gujaf-144	178	6	result	result	NOUN
gujaf-144	178	7	of	of	ADP
gujaf-144	178	8	the	the	DET
gujaf-144	178	9	fact	fact	NOUN
gujaf-144	178	10	that	that	SCONJ
gujaf-144	178	11	when	when	SCONJ
gujaf-144	178	12	most	most	ADJ
gujaf-144	178	13	banks	bank	NOUN
gujaf-144	178	14	are	be	AUX
gujaf-144	178	15	faced	face	VERB
gujaf-144	178	16	with	with	ADP
gujaf-144	178	17	any	any	DET
gujaf-144	178	18	financial	financial	ADJ
gujaf-144	178	19	risk	risk	NOUN
gujaf-144	178	20	and	and	CCONJ
gujaf-144	178	21	having	have	VERB
gujaf-144	178	22	enough	enough	ADJ
gujaf-144	178	23	capital	capital	NOUN
gujaf-144	178	24	with	with	ADP
gujaf-144	178	25	the	the	DET
gujaf-144	178	26	central	central	ADJ
gujaf-144	178	27	bank	bank	NOUN
gujaf-144	178	28	will	will	AUX
gujaf-144	178	29	enable	enable	VERB
gujaf-144	178	30	them	they	PRON
gujaf-144	178	31	to	to	PART
gujaf-144	178	32	absorb	absorb	VERB
gujaf-144	178	33	the	the	DET
gujaf-144	178	34	shocks	shock	NOUN
gujaf-144	178	35	due	due	ADJ
gujaf-144	178	36	to	to	ADP
gujaf-144	178	37	adequate	adequate	ADJ
gujaf-144	178	38	funds	fund	NOUN
gujaf-144	178	39	or	or	CCONJ
gujaf-144	178	40	capital	capital	NOUN
gujaf-144	178	41	.	.	PUNCT
gujaf-144	179	1	liquidity	liquidity	NOUN
gujaf-144	179	2	ratio	ratio	NOUN
gujaf-144	179	3	had	have	VERB
gujaf-144	179	4	a	a	DET
gujaf-144	179	5	t	t	NOUN
gujaf-144	179	6	-	-	PUNCT
gujaf-144	179	7	value	value	NOUN
gujaf-144	179	8	of	of	ADP
gujaf-144	179	9	-7.40	-7.40	NOUN
gujaf-144	179	10	and	and	CCONJ
gujaf-144	179	11	coefficient	coefficient	NOUN
gujaf-144	179	12	value	value	NOUN
gujaf-144	179	13	of	of	ADP
gujaf-144	179	14	-0.0105	-0.0105	NOUN
gujaf-144	179	15	at	at	ADP
gujaf-144	179	16	a	a	DET
gujaf-144	179	17	significance	significance	NOUN
gujaf-144	179	18	level	level	NOUN
gujaf-144	179	19	of	of	ADP
gujaf-144	179	20	1	1	NUM
gujaf-144	179	21	%	%	NOUN
gujaf-144	179	22	.	.	PUNCT
gujaf-144	180	1	this	this	PRON
gujaf-144	180	2	connotes	connote	VERB
gujaf-144	180	3	that	that	SCONJ
gujaf-144	180	4	liquidity	liquidity	NOUN
gujaf-144	180	5	ratio	ratio	NOUN
gujaf-144	180	6	has	have	VERB
gujaf-144	180	7	a	a	DET
gujaf-144	180	8	negative	negative	ADJ
gujaf-144	180	9	and	and	CCONJ
gujaf-144	180	10	13	13	NUM
gujaf-144	180	11	significant	significant	ADJ
gujaf-144	180	12	effect	effect	NOUN
gujaf-144	180	13	on	on	ADP
gujaf-144	180	14	the	the	DET
gujaf-144	180	15	financial	financial	ADJ
gujaf-144	180	16	performance	performance	NOUN
gujaf-144	180	17	of	of	ADP
gujaf-144	180	18	listed	list	VERB
gujaf-144	180	19	bank	bank	NOUN
gujaf-144	180	20	in	in	ADP
gujaf-144	180	21	nigeria	nigeria	PROPN
gujaf-144	180	22	.	.	PUNCT
gujaf-144	181	1	therefore	therefore	ADV
gujaf-144	181	2	,	,	PUNCT
gujaf-144	181	3	an	an	DET
gujaf-144	181	4	increase	increase	NOUN
gujaf-144	181	5	in	in	ADP
gujaf-144	181	6	the	the	DET
gujaf-144	181	7	level	level	NOUN
gujaf-144	181	8	of	of	ADP
gujaf-144	181	9	banks	bank	NOUN
gujaf-144	181	10	liquidity	liquidity	NOUN
gujaf-144	181	11	ratio	ratio	NOUN
gujaf-144	181	12	,	,	PUNCT
gujaf-144	181	13	will	will	AUX
gujaf-144	181	14	lead	lead	VERB
gujaf-144	181	15	to	to	PART
gujaf-144	181	16	decrease	decrease	VERB
gujaf-144	181	17	in	in	ADP
gujaf-144	181	18	their	their	PRON
gujaf-144	181	19	financial	financial	ADJ
gujaf-144	181	20	performance	performance	NOUN
gujaf-144	181	21	due	due	ADP
gujaf-144	181	22	to	to	ADP
gujaf-144	181	23	holding	hold	VERB
gujaf-144	181	24	down	down	ADP
gujaf-144	181	25	of	of	ADP
gujaf-144	181	26	capital	capital	NOUN
gujaf-144	181	27	,	,	PUNCT
gujaf-144	181	28	under	under	ADP
gujaf-144	181	29	investing	investing	NOUN
gujaf-144	181	30	and	and	CCONJ
gujaf-144	181	31	overcapitalization	overcapitalization	NOUN
gujaf-144	181	32	.	.	PUNCT
gujaf-144	182	1	keeping	keep	VERB
gujaf-144	182	2	idle	idle	ADJ
gujaf-144	182	3	cash	cash	NOUN
gujaf-144	182	4	without	without	ADP
gujaf-144	182	5	investing	invest	VERB
gujaf-144	182	6	them	they	PRON
gujaf-144	182	7	will	will	AUX
gujaf-144	182	8	lead	lead	VERB
gujaf-144	182	9	to	to	ADP
gujaf-144	182	10	less	less	ADJ
gujaf-144	182	11	or	or	CCONJ
gujaf-144	182	12	no	no	PRON
gujaf-144	182	13	returns	return	NOUN
gujaf-144	182	14	.	.	PUNCT
gujaf-144	183	1	the	the	DET
gujaf-144	183	2	loan	loan	NOUN
gujaf-144	183	3	to	to	PART
gujaf-144	183	4	deposit	deposit	NOUN
gujaf-144	183	5	ratio	ratio	NOUN
gujaf-144	183	6	recorded	record	VERB
gujaf-144	183	7	a	a	DET
gujaf-144	183	8	t	t	NOUN
gujaf-144	183	9	-	-	PUNCT
gujaf-144	183	10	value	value	NOUN
gujaf-144	183	11	of	of	ADP
gujaf-144	183	12	0.54	0.54	NUM
gujaf-144	183	13	,	,	PUNCT
gujaf-144	183	14	a	a	DET
gujaf-144	183	15	coefficient	coefficient	NOUN
gujaf-144	183	16	value	value	NOUN
gujaf-144	183	17	of	of	ADP
gujaf-144	183	18	0.0003	0.0003	NUM
gujaf-144	183	19	with	with	ADP
gujaf-144	183	20	a	a	DET
gujaf-144	183	21	value	value	NOUN
gujaf-144	183	22	that	that	PRON
gujaf-144	183	23	is	be	AUX
gujaf-144	183	24	not	not	PART
gujaf-144	183	25	significant	significant	ADJ
gujaf-144	183	26	at	at	ADP
gujaf-144	183	27	5	5	NUM
gujaf-144	183	28	%	%	NOUN
gujaf-144	183	29	.	.	PUNCT
gujaf-144	184	1	this	this	PRON
gujaf-144	184	2	implies	imply	VERB
gujaf-144	184	3	that	that	PRON
gujaf-144	184	4	loan	loan	NOUN
gujaf-144	184	5	to	to	PART
gujaf-144	184	6	deposit	deposit	NOUN
gujaf-144	184	7	ratio	ratio	NOUN
gujaf-144	184	8	has	have	VERB
gujaf-144	184	9	a	a	DET
gujaf-144	184	10	positive	positive	ADJ
gujaf-144	184	11	but	but	CCONJ
gujaf-144	184	12	weak	weak	ADJ
gujaf-144	184	13	effect	effect	NOUN
gujaf-144	184	14	on	on	ADP
gujaf-144	184	15	the	the	DET
gujaf-144	184	16	financial	financial	ADJ
gujaf-144	184	17	performance	performance	NOUN
gujaf-144	184	18	of	of	ADP
gujaf-144	184	19	listed	list	VERB
gujaf-144	184	20	banks	bank	NOUN
gujaf-144	184	21	in	in	ADP
gujaf-144	184	22	nigeria	nigeria	PROPN
gujaf-144	184	23	.	.	PUNCT
gujaf-144	185	1	this	this	PRON
gujaf-144	185	2	means	mean	VERB
gujaf-144	185	3	that	that	SCONJ
gujaf-144	185	4	for	for	ADP
gujaf-144	185	5	every	every	DET
gujaf-144	185	6	increase	increase	NOUN
gujaf-144	185	7	in	in	ADP
gujaf-144	185	8	loan	loan	NOUN
gujaf-144	185	9	to	to	ADP
gujaf-144	185	10	deposit	deposit	NOUN
gujaf-144	185	11	ratio	ratio	NOUN
gujaf-144	185	12	,	,	PUNCT
gujaf-144	185	13	there	there	PRON
gujaf-144	185	14	will	will	AUX
gujaf-144	185	15	be	be	AUX
gujaf-144	185	16	little	little	ADJ
gujaf-144	185	17	or	or	CCONJ
gujaf-144	185	18	no	no	PRON
gujaf-144	185	19	increase	increase	NOUN
gujaf-144	185	20	in	in	ADP
gujaf-144	185	21	the	the	DET
gujaf-144	185	22	level	level	NOUN
gujaf-144	185	23	of	of	ADP
gujaf-144	185	24	financial	financial	ADJ
gujaf-144	185	25	performance	performance	NOUN
gujaf-144	185	26	for	for	ADP
gujaf-144	185	27	listed	list	VERB
gujaf-144	185	28	banks	bank	NOUN
gujaf-144	185	29	in	in	ADP
gujaf-144	185	30	nigeria	nigeria	PROPN
gujaf-144	185	31	.	.	PUNCT
gujaf-144	186	1	this	this	PRON
gujaf-144	186	2	could	could	AUX
gujaf-144	186	3	be	be	AUX
gujaf-144	186	4	resulting	result	VERB
gujaf-144	186	5	from	from	ADP
gujaf-144	186	6	the	the	DET
gujaf-144	186	7	fact	fact	NOUN
gujaf-144	186	8	that	that	SCONJ
gujaf-144	186	9	when	when	SCONJ
gujaf-144	186	10	more	more	ADJ
gujaf-144	186	11	loans	loan	NOUN
gujaf-144	186	12	are	be	AUX
gujaf-144	186	13	given	give	VERB
gujaf-144	186	14	out	out	ADP
gujaf-144	186	15	from	from	ADP
gujaf-144	186	16	the	the	DET
gujaf-144	186	17	bank	bank	NOUN
gujaf-144	186	18	’s	’s	PART
gujaf-144	186	19	deposits	deposit	NOUN
gujaf-144	186	20	and	and	CCONJ
gujaf-144	186	21	there	there	PRON
gujaf-144	186	22	is	be	VERB
gujaf-144	186	23	high	high	ADJ
gujaf-144	186	24	rate	rate	NOUN
gujaf-144	186	25	of	of	ADP
gujaf-144	186	26	default	default	NOUN
gujaf-144	186	27	from	from	ADP
gujaf-144	186	28	borrowers	borrower	NOUN
gujaf-144	186	29	,	,	PUNCT
gujaf-144	186	30	it	it	PRON
gujaf-144	186	31	then	then	ADV
gujaf-144	186	32	connects	connect	VERB
gujaf-144	186	33	that	that	SCONJ
gujaf-144	186	34	the	the	DET
gujaf-144	186	35	loan	loan	NOUN
gujaf-144	186	36	is	be	AUX
gujaf-144	186	37	non	non	ADJ
gujaf-144	186	38	-	-	ADJ
gujaf-144	186	39	performing	performing	ADJ
gujaf-144	186	40	,	,	PUNCT
gujaf-144	186	41	and	and	CCONJ
gujaf-144	186	42	the	the	DET
gujaf-144	186	43	banks	bank	NOUN
gujaf-144	186	44	cash	cash	NOUN
gujaf-144	186	45	is	be	AUX
gujaf-144	186	46	being	be	AUX
gujaf-144	186	47	held	hold	VERB
gujaf-144	186	48	without	without	ADP
gujaf-144	186	49	receiving	receive	VERB
gujaf-144	186	50	the	the	DET
gujaf-144	186	51	principal	principal	NOUN
gujaf-144	186	52	nor	nor	CCONJ
gujaf-144	186	53	the	the	DET
gujaf-144	186	54	interest	interest	NOUN
gujaf-144	186	55	due	due	ADJ
gujaf-144	186	56	and	and	CCONJ
gujaf-144	186	57	thus	thus	ADV
gujaf-144	186	58	this	this	PRON
gujaf-144	186	59	will	will	AUX
gujaf-144	186	60	affect	affect	VERB
gujaf-144	186	61	the	the	DET
gujaf-144	186	62	banks	bank	NOUN
gujaf-144	186	63	financial	financial	ADJ
gujaf-144	186	64	performance	performance	NOUN
gujaf-144	186	65	.	.	PUNCT
gujaf-144	187	1	5	5	X
gujaf-144	187	2	.	.	X
gujaf-144	187	3	conclusion	conclusion	NOUN
gujaf-144	187	4	and	and	CCONJ
gujaf-144	187	5	recommendations	recommendation	NOUN
gujaf-144	187	6	the	the	DET
gujaf-144	187	7	study	study	NOUN
gujaf-144	187	8	concludes	conclude	VERB
gujaf-144	187	9	that	that	SCONJ
gujaf-144	187	10	liquidity	liquidity	NOUN
gujaf-144	187	11	management	management	NOUN
gujaf-144	187	12	is	be	AUX
gujaf-144	187	13	a	a	DET
gujaf-144	187	14	major	major	ADJ
gujaf-144	187	15	driver	driver	NOUN
gujaf-144	187	16	to	to	ADP
gujaf-144	187	17	achieving	achieve	VERB
gujaf-144	187	18	high	high	ADJ
gujaf-144	187	19	financial	financial	ADJ
gujaf-144	187	20	performance	performance	NOUN
gujaf-144	187	21	in	in	ADP
gujaf-144	187	22	the	the	DET
gujaf-144	187	23	banking	banking	NOUN
gujaf-144	187	24	sector	sector	NOUN
gujaf-144	187	25	.	.	PUNCT
gujaf-144	188	1	banks	bank	NOUN
gujaf-144	188	2	that	that	PRON
gujaf-144	188	3	want	want	VERB
gujaf-144	188	4	their	their	PRON
gujaf-144	188	5	presence	presence	NOUN
gujaf-144	188	6	to	to	PART
gujaf-144	188	7	be	be	AUX
gujaf-144	188	8	appreciated	appreciate	VERB
gujaf-144	188	9	require	require	VERB
gujaf-144	188	10	proper	proper	ADJ
gujaf-144	188	11	management	management	NOUN
gujaf-144	188	12	of	of	ADP
gujaf-144	188	13	their	their	PRON
gujaf-144	188	14	liquidity	liquidity	NOUN
gujaf-144	188	15	.	.	PUNCT
gujaf-144	189	1	it	it	PRON
gujaf-144	189	2	also	also	ADV
gujaf-144	189	3	concludes	conclude	VERB
gujaf-144	189	4	that	that	SCONJ
gujaf-144	189	5	based	base	VERB
gujaf-144	189	6	on	on	ADP
gujaf-144	189	7	the	the	DET
gujaf-144	189	8	variables	variable	NOUN
gujaf-144	189	9	in	in	ADP
gujaf-144	189	10	the	the	DET
gujaf-144	189	11	study	study	NOUN
gujaf-144	189	12	,	,	PUNCT
gujaf-144	189	13	capital	capital	NOUN
gujaf-144	189	14	adequacy	adequacy	NOUN
gujaf-144	189	15	ratio	ratio	NOUN
gujaf-144	189	16	and	and	CCONJ
gujaf-144	189	17	liquidity	liquidity	NOUN
gujaf-144	189	18	ratio	ratio	NOUN
gujaf-144	189	19	are	be	AUX
gujaf-144	189	20	the	the	DET
gujaf-144	189	21	main	main	ADJ
gujaf-144	189	22	drivers	driver	NOUN
gujaf-144	189	23	of	of	ADP
gujaf-144	189	24	high	high	ADJ
gujaf-144	189	25	value	value	NOUN
gujaf-144	189	26	in	in	ADP
gujaf-144	189	27	the	the	DET
gujaf-144	189	28	banking	banking	NOUN
gujaf-144	189	29	sector	sector	NOUN
gujaf-144	189	30	.	.	PUNCT
gujaf-144	190	1	this	this	DET
gujaf-144	190	2	study	study	NOUN
gujaf-144	190	3	therefore	therefore	ADV
gujaf-144	190	4	recommends	recommend	VERB
gujaf-144	190	5	that	that	SCONJ
gujaf-144	190	6	management	management	NOUN
gujaf-144	190	7	of	of	ADP
gujaf-144	190	8	board	board	NOUN
gujaf-144	190	9	should	should	AUX
gujaf-144	190	10	pursue	pursue	VERB
gujaf-144	190	11	increased	increased	ADJ
gujaf-144	190	12	capital	capital	NOUN
gujaf-144	190	13	with	with	ADP
gujaf-144	190	14	the	the	DET
gujaf-144	190	15	central	central	ADJ
gujaf-144	190	16	bank	bank	PROPN
gujaf-144	190	17	of	of	ADP
gujaf-144	190	18	nigeria	nigeria	PROPN
gujaf-144	190	19	and	and	CCONJ
gujaf-144	190	20	cbn	cbn	PROPN
gujaf-144	190	21	should	should	AUX
gujaf-144	190	22	as	as	ADV
gujaf-144	190	23	well	well	ADV
gujaf-144	190	24	make	make	VERB
gujaf-144	190	25	sure	sure	ADJ
gujaf-144	190	26	that	that	SCONJ
gujaf-144	190	27	banks	bank	NOUN
gujaf-144	190	28	continually	continually	ADV
gujaf-144	190	29	meet	meet	VERB
gujaf-144	190	30	the	the	DET
gujaf-144	190	31	requirements	requirement	NOUN
gujaf-144	190	32	with	with	ADP
gujaf-144	190	33	respect	respect	NOUN
gujaf-144	190	34	to	to	ADP
gujaf-144	190	35	capital	capital	NOUN
gujaf-144	190	36	adequacy	adequacy	NOUN
gujaf-144	190	37	before	before	ADP
gujaf-144	190	38	giving	give	VERB
gujaf-144	190	39	them	they	PRON
gujaf-144	190	40	license	license	NOUN
gujaf-144	190	41	to	to	PART
gujaf-144	190	42	operate	operate	VERB
gujaf-144	190	43	.	.	PUNCT
gujaf-144	191	1	the	the	DET
gujaf-144	191	2	management	management	NOUN
gujaf-144	191	3	of	of	ADP
gujaf-144	191	4	the	the	DET
gujaf-144	191	5	banks	bank	NOUN
gujaf-144	191	6	should	should	AUX
gujaf-144	191	7	guarantee	guarantee	VERB
gujaf-144	191	8	that	that	SCONJ
gujaf-144	191	9	most	most	ADJ
gujaf-144	191	10	inactive	inactive	ADJ
gujaf-144	191	11	cash	cash	NOUN
gujaf-144	191	12	are	be	AUX
gujaf-144	191	13	invested	invest	VERB
gujaf-144	191	14	into	into	ADP
gujaf-144	191	15	short	short	ADJ
gujaf-144	191	16	term	term	NOUN
gujaf-144	191	17	portfolios	portfolio	NOUN
gujaf-144	191	18	to	to	PART
gujaf-144	191	19	attract	attract	VERB
gujaf-144	191	20	higher	high	ADJ
gujaf-144	191	21	returns	return	NOUN
gujaf-144	191	22	because	because	SCONJ
gujaf-144	191	23	it	it	PRON
gujaf-144	191	24	will	will	AUX
gujaf-144	191	25	eventually	eventually	ADV
gujaf-144	191	26	increase	increase	VERB
gujaf-144	191	27	the	the	DET
gujaf-144	191	28	value	value	NOUN
gujaf-144	191	29	of	of	ADP
gujaf-144	191	30	the	the	DET
gujaf-144	191	31	banks	bank	NOUN
gujaf-144	191	32	.	.	PUNCT
gujaf-144	192	1	the	the	DET
gujaf-144	192	2	ratio	ratio	NOUN
gujaf-144	192	3	of	of	ADP
gujaf-144	192	4	loan	loan	NOUN
gujaf-144	192	5	to	to	ADP
gujaf-144	192	6	deposit	deposit	NOUN
gujaf-144	192	7	should	should	AUX
gujaf-144	192	8	be	be	AUX
gujaf-144	192	9	significantly	significantly	ADV
gujaf-144	192	10	reduced	reduce	VERB
gujaf-144	192	11	to	to	ADP
gujaf-144	192	12	50	50	NUM
gujaf-144	192	13	%	%	NOUN
gujaf-144	192	14	or	or	CCONJ
gujaf-144	192	15	even	even	ADV
gujaf-144	192	16	less	less	ADJ
gujaf-144	192	17	to	to	PART
gujaf-144	192	18	avoid	avoid	VERB
gujaf-144	192	19	putting	put	VERB
gujaf-144	192	20	the	the	DET
gujaf-144	192	21	liquidity	liquidity	NOUN
gujaf-144	192	22	and	and	CCONJ
gujaf-144	192	23	survival	survival	NOUN
gujaf-144	192	24	of	of	ADP
gujaf-144	192	25	the	the	DET
gujaf-144	192	26	banks	bank	NOUN
gujaf-144	192	27	in	in	ADP
gujaf-144	192	28	the	the	DET
gujaf-144	192	29	hands	hand	NOUN
gujaf-144	192	30	of	of	ADP
gujaf-144	192	31	the	the	DET
gujaf-144	192	32	borrowers	borrower	NOUN
gujaf-144	192	33	.	.	PUNCT
gujaf-144	193	1	when	when	SCONJ
gujaf-144	193	2	a	a	DET
gujaf-144	193	3	balance	balance	NOUN
gujaf-144	193	4	is	be	AUX
gujaf-144	193	5	achieved	achieve	VERB
gujaf-144	193	6	or	or	CCONJ
gujaf-144	193	7	maintained	maintain	VERB
gujaf-144	193	8	,	,	PUNCT
gujaf-144	193	9	that	that	PRON
gujaf-144	193	10	will	will	AUX
gujaf-144	193	11	put	put	VERB
gujaf-144	193	12	the	the	DET
gujaf-144	193	13	banks	bank	NOUN
gujaf-144	193	14	in	in	ADP
gujaf-144	193	15	a	a	DET
gujaf-144	193	16	better	well	ADJ
gujaf-144	193	17	position	position	NOUN
gujaf-144	193	18	to	to	PART
gujaf-144	193	19	address	address	VERB
gujaf-144	193	20	their	their	PRON
gujaf-144	193	21	liquidity	liquidity	NOUN
gujaf-144	193	22	need	need	NOUN
gujaf-144	193	23	and	and	CCONJ
gujaf-144	193	24	attract	attract	VERB
gujaf-144	193	25	interest	interest	NOUN
gujaf-144	193	26	from	from	ADP
gujaf-144	193	27	the	the	DET
gujaf-144	193	28	loan	loan	NOUN
gujaf-144	193	29	advances	advance	NOUN
gujaf-144	193	30	given	give	VERB
gujaf-144	193	31	.	.	PUNCT
gujaf-144	194	1	regulators	regulator	NOUN
gujaf-144	194	2	should	should	AUX
gujaf-144	194	3	formulate	formulate	VERB
gujaf-144	194	4	policies	policy	NOUN
gujaf-144	194	5	where	where	SCONJ
gujaf-144	194	6	interest	interest	NOUN
gujaf-144	194	7	on	on	ADP
gujaf-144	194	8	loans	loan	NOUN
gujaf-144	194	9	is	be	AUX
gujaf-144	194	10	bearable	bearable	ADJ
gujaf-144	194	11	and	and	CCONJ
gujaf-144	194	12	at	at	ADP
gujaf-144	194	13	minimal	minimal	ADJ
gujaf-144	194	14	level	level	NOUN
gujaf-144	194	15	.	.	PUNCT
gujaf-144	195	1	if	if	SCONJ
gujaf-144	195	2	the	the	DET
gujaf-144	195	3	interest	interest	NOUN
gujaf-144	195	4	rate	rate	NOUN
gujaf-144	195	5	is	be	AUX
gujaf-144	195	6	made	make	VERB
gujaf-144	195	7	lower	low	ADJ
gujaf-144	195	8	it	it	PRON
gujaf-144	195	9	will	will	AUX
gujaf-144	195	10	reduce	reduce	VERB
gujaf-144	195	11	the	the	DET
gujaf-144	195	12	rate	rate	NOUN
gujaf-144	195	13	of	of	ADP
gujaf-144	195	14	defaulters	defaulter	NOUN
gujaf-144	195	15	and	and	CCONJ
gujaf-144	195	16	increase	increase	VERB
gujaf-144	195	17	the	the	DET
gujaf-144	195	18	profitability	profitability	NOUN
gujaf-144	195	19	of	of	ADP
gujaf-144	195	20	banks	bank	NOUN
gujaf-144	195	21	.	.	PUNCT
gujaf-144	196	1	references	reference	NOUN
gujaf-144	196	2	14	14	NUM
gujaf-144	196	3	adebayo	adebayo	PROPN
gujaf-144	196	4	,	,	PUNCT
gujaf-144	196	5	o.	o.	PROPN
gujaf-144	196	6	,	,	PUNCT
gujaf-144	196	7	david	david	PROPN
gujaf-144	196	8	,	,	PUNCT
gujaf-144	196	9	o.	o.	PROPN
gujaf-144	196	10	a.	a.	PROPN
gujaf-144	196	11	,	,	PUNCT
gujaf-144	196	12	&	&	CCONJ
gujaf-144	196	13	samuel	samuel	PROPN
gujaf-144	196	14	,	,	PUNCT
gujaf-144	196	15	o.	o.	PROPN
gujaf-144	196	16	o.	o.	PROPN
gujaf-144	196	17	(	(	PUNCT
gujaf-144	196	18	2011	2011	NUM
gujaf-144	196	19	)	)	PUNCT
gujaf-144	196	20	.	.	PUNCT
gujaf-144	197	1	liquidity	liquidity	NOUN
gujaf-144	197	2	management	management	NOUN
gujaf-144	197	3	and	and	CCONJ
gujaf-144	197	4	commercial	commercial	ADJ
gujaf-144	197	5	banks	bank	NOUN
gujaf-144	197	6	’	'	PUNCT
gujaf-144	197	7	profitability	profitability	NOUN
gujaf-144	197	8	in	in	ADP
gujaf-144	197	9	nigeria	nigeria	PROPN
gujaf-144	197	10	.	.	PUNCT
gujaf-144	198	1	research	research	NOUN
gujaf-144	198	2	journal	journal	PROPN
gujaf-144	198	3	of	of	ADP
gujaf-144	198	4	finance	finance	NOUN
gujaf-144	198	5	and	and	CCONJ
gujaf-144	198	6	accounting	accounting	NOUN
gujaf-144	198	7	,	,	PUNCT
gujaf-144	198	8	24	24	NUM
gujaf-144	198	9	-	-	SYM
gujaf-144	198	10	38	38	NUM
gujaf-144	198	11	.	.	PUNCT
gujaf-144	199	1	al	al	PROPN
gujaf-144	199	2	-	-	PUNCT
gujaf-144	199	3	eitan	eitan	PROPN
gujaf-144	199	4	,	,	PUNCT
gujaf-144	199	5	n.	n.	PROPN
gujaf-144	199	6	g.	g.	PROPN
gujaf-144	199	7	,	,	PUNCT
gujaf-144	199	8	&	&	CCONJ
gujaf-144	199	9	bani	bani	PROPN
gujaf-144	199	10	-	-	PUNCT
gujaf-144	199	11	khalid	khalid	PROPN
gujaf-144	199	12	,	,	PUNCT
gujaf-144	199	13	o.	o.	PROPN
gujaf-144	199	14	t.	t.	PROPN
gujaf-144	199	15	(	(	PUNCT
gujaf-144	199	16	2019	2019	NUM
gujaf-144	199	17	)	)	PUNCT
gujaf-144	199	18	.	.	PUNCT
gujaf-144	200	1	credit	credit	NOUN
gujaf-144	200	2	risk	risk	NOUN
gujaf-144	200	3	and	and	CCONJ
gujaf-144	200	4	financial	financial	ADJ
gujaf-144	200	5	performance	performance	NOUN
gujaf-144	200	6	of	of	ADP
gujaf-144	200	7	the	the	DET
gujaf-144	200	8	jordanian	jordanian	ADJ
gujaf-144	200	9	commercial	commercial	ADJ
gujaf-144	200	10	banks	bank	NOUN
gujaf-144	200	11	:	:	PUNCT
gujaf-144	200	12	a	a	DET
gujaf-144	200	13	panel	panel	NOUN
gujaf-144	200	14	data	data	VERB
gujaf-144	200	15	analysis	analysis	NOUN
gujaf-144	200	16	.	.	PUNCT
gujaf-144	201	1	academy	academy	NOUN
gujaf-144	201	2	of	of	ADP
gujaf-144	201	3	accounting	accounting	PROPN
gujaf-144	201	4	and	and	CCONJ
gujaf-144	201	5	financial	financial	ADJ
gujaf-144	201	6	studies	study	NOUN
gujaf-144	201	7	journal	journal	NOUN
gujaf-144	201	8	,	,	PUNCT
gujaf-144	201	9	1	1	NUM
gujaf-144	201	10	-	-	SYM
gujaf-144	201	11	13	13	NUM
gujaf-144	201	12	.	.	PUNCT
gujaf-144	201	13	ali	ali	PROPN
gujaf-144	201	14	,	,	PUNCT
gujaf-144	201	15	s.	s.	PROPN
gujaf-144	201	16	,	,	PUNCT
gujaf-144	201	17	&	&	CCONJ
gujaf-144	201	18	iman	iman	PROPN
gujaf-144	201	19	,	,	PUNCT
gujaf-144	201	20	m.	m.	NOUN
gujaf-144	201	21	(	(	PUNCT
gujaf-144	201	22	2011	2011	NUM
gujaf-144	201	23	)	)	PUNCT
gujaf-144	201	24	.	.	PUNCT
gujaf-144	202	1	capital	capital	NOUN
gujaf-144	202	2	structures	structure	NOUN
gujaf-144	202	3	and	and	CCONJ
gujaf-144	202	4	firms	firm	NOUN
gujaf-144	202	5	performance	performance	NOUN
gujaf-144	202	6	:	:	PUNCT
gujaf-144	202	7	evidence	evidence	NOUN
gujaf-144	202	8	from	from	ADP
gujaf-144	202	9	iranian	iranian	ADJ
gujaf-144	202	10	companies	company	NOUN
gujaf-144	202	11	.	.	PUNCT
gujaf-144	203	1	international	international	ADJ
gujaf-144	203	2	research	research	PROPN
gujaf-144	203	3	journal	journal	NOUN
gujaf-144	203	4	of	of	ADP
gujaf-144	203	5	finance	finance	NOUN
gujaf-144	203	6	and	and	CCONJ
gujaf-144	203	7	economics	economic	NOUN
gujaf-144	203	8	.	.	PUNCT
gujaf-144	204	1	alshatti1	alshatti1	PROPN
gujaf-144	204	2	,	,	PUNCT
gujaf-144	204	3	s.	s.	PROPN
gujaf-144	204	4	a.	a.	PROPN
gujaf-144	204	5	(	(	PUNCT
gujaf-144	204	6	2014	2014	NUM
gujaf-144	204	7	)	)	PUNCT
gujaf-144	204	8	.	.	PUNCT
gujaf-144	205	1	the	the	DET
gujaf-144	205	2	effect	effect	NOUN
gujaf-144	205	3	of	of	ADP
gujaf-144	205	4	the	the	DET
gujaf-144	205	5	liquidity	liquidity	NOUN
gujaf-144	205	6	management	management	NOUN
gujaf-144	205	7	on	on	ADP
gujaf-144	205	8	profitability	profitability	NOUN
gujaf-144	205	9	in	in	ADP
gujaf-144	205	10	the	the	DET
gujaf-144	205	11	jordanian	jordanian	ADJ
gujaf-144	205	12	commercial	commercial	ADJ
gujaf-144	205	13	banks	bank	NOUN
gujaf-144	205	14	.	.	PUNCT
gujaf-144	206	1	international	international	ADJ
gujaf-144	206	2	journal	journal	PROPN
gujaf-144	206	3	of	of	ADP
gujaf-144	206	4	business	business	NOUN
gujaf-144	206	5	and	and	CCONJ
gujaf-144	206	6	management	management	NOUN
gujaf-144	206	7	,	,	PUNCT
gujaf-144	206	8	62	62	NUM
gujaf-144	206	9	-	-	SYM
gujaf-144	206	10	72	72	NUM
gujaf-144	206	11	.	.	PUNCT
gujaf-144	207	1	corporate	corporate	ADJ
gujaf-144	207	2	finance	finance	PROPN
gujaf-144	207	3	institute	institute	NOUN
gujaf-144	207	4	.	.	PUNCT
gujaf-144	208	1	(	(	PUNCT
gujaf-144	208	2	2021	2021	NUM
gujaf-144	208	3	)	)	PUNCT
gujaf-144	208	4	.	.	PUNCT
gujaf-144	209	1	credit	credit	NOUN
gujaf-144	209	2	risk	risk	NOUN
gujaf-144	209	3	.	.	PUNCT
gujaf-144	210	1	retrieved	retrieve	VERB
gujaf-144	210	2	from	from	ADP
gujaf-144	210	3	cfi	cfi	PROPN
gujaf-144	210	4	education	education	PROPN
gujaf-144	210	5	inc	inc	PROPN
gujaf-144	210	6	.	.	PROPN
gujaf-144	210	7	:	:	PUNCT
gujaf-144	211	1	https://corporatefinanceinstitute.com/resources/knowledge/finance/credit-risk/	https://corporatefinanceinstitute.com/resources/knowledge/finance/credit-risk/	PROPN
gujaf-144	211	2	corporate	corporate	ADJ
gujaf-144	211	3	finance	finance	PROPN
gujaf-144	211	4	institute	institute	NOUN
gujaf-144	211	5	.	.	PUNCT
gujaf-144	212	1	(	(	PUNCT
gujaf-144	212	2	2021	2021	NUM
gujaf-144	212	3	)	)	PUNCT
gujaf-144	212	4	.	.	PUNCT
gujaf-144	213	1	financial	financial	ADJ
gujaf-144	213	2	performance	performance	NOUN
gujaf-144	213	3	.	.	PUNCT
gujaf-144	214	1	retrieved	retrieve	VERB
gujaf-144	214	2	from	from	ADP
gujaf-144	214	3	cfi	cfi	PROPN
gujaf-144	214	4	education	education	PROPN
gujaf-144	214	5	inc	inc	PROPN
gujaf-144	214	6	.	.	PROPN
gujaf-144	214	7	:	:	PUNCT
gujaf-144	214	8	https://corporatefinanceinstitute.com/resources/knowledge/finance/financialperformance/	https://corporatefinanceinstitute.com/resources/knowledge/finance/financialperformance/	VERB
gujaf-144	214	9	corporate	corporate	ADJ
gujaf-144	214	10	finance	finance	NOUN
gujaf-144	214	11	institute	institute	NOUN
gujaf-144	214	12	.	.	PUNCT
gujaf-144	215	1	(	(	PUNCT
gujaf-144	215	2	2021	2021	NUM
gujaf-144	215	3	)	)	PUNCT
gujaf-144	215	4	.	.	PUNCT
gujaf-144	216	1	return	return	VERB
gujaf-144	216	2	on	on	ADP
gujaf-144	216	3	assets	asset	NOUN
gujaf-144	216	4	&	&	CCONJ
gujaf-144	216	5	roa	roa	PROPN
gujaf-144	216	6	formula	formula	NOUN
gujaf-144	216	7	.	.	PUNCT
gujaf-144	217	1	retrieved	retrieve	VERB
gujaf-144	217	2	from	from	ADP
gujaf-144	217	3	cfi	cfi	PROPN
gujaf-144	217	4	education	education	PROPN
gujaf-144	217	5	inc	inc	PROPN
gujaf-144	217	6	.	.	PUNCT
gujaf-144	217	7	:	:	PUNCT
gujaf-144	218	1	https://corporatefinanceinstitute.com/resources/knowledge/finance/return-onassets-roa-formula/	https://corporatefinanceinstitute.com/resources/knowledge/finance/return-onassets-roa-formula/	VERB
gujaf-144	218	2	corporate	corporate	ADJ
gujaf-144	218	3	finance	finance	NOUN
gujaf-144	218	4	institute	institute	NOUN
gujaf-144	218	5	.	.	PUNCT
gujaf-144	219	1	(	(	PUNCT
gujaf-144	219	2	2021	2021	NUM
gujaf-144	219	3	)	)	PUNCT
gujaf-144	219	4	.	.	PUNCT
gujaf-144	220	1	what	what	PRON
gujaf-144	220	2	is	be	AUX
gujaf-144	220	3	return	return	NOUN
gujaf-144	220	4	on	on	ADP
gujaf-144	220	5	investment	investment	NOUN
gujaf-144	220	6	(	(	PUNCT
gujaf-144	220	7	roi	roi	NOUN
gujaf-144	220	8	)	)	PUNCT
gujaf-144	220	9	?	?	PUNCT
gujaf-144	221	1	retrieved	retrieve	VERB
gujaf-144	221	2	from	from	ADP
gujaf-144	221	3	cfi	cfi	PROPN
gujaf-144	221	4	education	education	PROPN
gujaf-144	221	5	inc	inc	PROPN
gujaf-144	221	6	.	.	PUNCT
gujaf-144	221	7	:	:	PUNCT
gujaf-144	222	1	https://corporatefinanceinstitute.com/resources/knowledge/finance/return-oninvestment-roi-formula/	https://corporatefinanceinstitute.com/resources/knowledge/finance/return-oninvestment-roi-formula/	PROPN
gujaf-144	222	2	corporate	corporate	ADJ
gujaf-144	222	3	finance	finance	NOUN
gujaf-144	222	4	institute	institute	NOUN
gujaf-144	222	5	.	.	PUNCT
gujaf-144	223	1	(	(	PUNCT
gujaf-144	223	2	2021	2021	NUM
gujaf-144	223	3	)	)	PUNCT
gujaf-144	223	4	.	.	PUNCT
gujaf-144	224	1	non	non	ADJ
gujaf-144	224	2	-	-	ADJ
gujaf-144	224	3	performing	performing	ADJ
gujaf-144	224	4	loan	loan	NOUN
gujaf-144	224	5	(	(	PUNCT
gujaf-144	224	6	npl	npl	PROPN
gujaf-144	224	7	)	)	PUNCT
gujaf-144	224	8	.	.	PUNCT
gujaf-144	225	1	retrieved	retrieve	VERB
gujaf-144	225	2	from	from	ADP
gujaf-144	225	3	cfi	cfi	PROPN
gujaf-144	225	4	education	education	PROPN
gujaf-144	225	5	inc	inc	PROPN
gujaf-144	225	6	.	.	PUNCT
gujaf-144	225	7	:	:	PUNCT
gujaf-144	226	1	https://corporatefinanceinstitute.com/resources/knowledge/finance/nonperforming-loan-npl/	https://corporatefinanceinstitute.com/resources/knowledge/finance/nonperforming-loan-npl/	VERB
gujaf-144	226	2	corporate	corporate	PROPN
gujaf-144	226	3	finance	finance	PROPN
gujaf-144	226	4	institute	institute	NOUN
gujaf-144	226	5	.	.	PUNCT
gujaf-144	227	1	(	(	PUNCT
gujaf-144	227	2	2021	2021	NUM
gujaf-144	227	3	)	)	PUNCT
gujaf-144	227	4	.	.	PUNCT
gujaf-144	228	1	return	return	NOUN
gujaf-144	228	2	on	on	ADP
gujaf-144	228	3	equity	equity	NOUN
gujaf-144	228	4	(	(	PUNCT
gujaf-144	228	5	roe	roe	PROPN
gujaf-144	228	6	)	)	PUNCT
gujaf-144	228	7	.	.	PUNCT
gujaf-144	229	1	retrieved	retrieve	VERB
gujaf-144	229	2	from	from	ADP
gujaf-144	229	3	cfi	cfi	PROPN
gujaf-144	229	4	education	education	PROPN
gujaf-144	229	5	inc	inc	PROPN
gujaf-144	229	6	.	.	PROPN
gujaf-144	229	7	:	:	PUNCT
gujaf-144	229	8	https://corporatefinanceinstitute.com/resources/knowledge/finance/what-isreturn-on-equity-roe/	https://corporatefinanceinstitute.com/resources/knowledge/finance/what-isreturn-on-equity-roe/	NUM
gujaf-144	229	9	edem	edem	PROPN
gujaf-144	229	10	,	,	PUNCT
gujaf-144	229	11	b.	b.	PROPN
gujaf-144	229	12	d.	d.	PROPN
gujaf-144	229	13	(	(	PUNCT
gujaf-144	229	14	2017	2017	NUM
gujaf-144	229	15	)	)	PUNCT
gujaf-144	229	16	.	.	PUNCT
gujaf-144	230	1	liquidity	liquidity	NOUN
gujaf-144	230	2	management	management	NOUN
gujaf-144	230	3	and	and	CCONJ
gujaf-144	230	4	performance	performance	NOUN
gujaf-144	230	5	of	of	ADP
gujaf-144	230	6	deposit	deposit	NOUN
gujaf-144	230	7	money	money	NOUN
gujaf-144	230	8	banks	bank	NOUN
gujaf-144	230	9	in	in	ADP
gujaf-144	230	10	nigeria	nigeria	PROPN
gujaf-144	230	11	.	.	PUNCT
gujaf-144	231	1	international	international	ADJ
gujaf-144	231	2	journal	journal	PROPN
gujaf-144	231	3	of	of	ADP
gujaf-144	231	4	economics	economic	NOUN
gujaf-144	231	5	,	,	PUNCT
gujaf-144	231	6	finance	finance	NOUN
gujaf-144	231	7	and	and	CCONJ
gujaf-144	231	8	management	management	NOUN
gujaf-144	231	9	sciences	science	NOUN
gujaf-144	231	10	,	,	PUNCT
gujaf-144	231	11	147	147	NUM
gujaf-144	231	12	-	-	SYM
gujaf-144	231	13	161	161	NUM
gujaf-144	231	14	.	.	PUNCT
gujaf-144	232	1	funso	funso	PROPN
gujaf-144	232	2	,	,	PUNCT
gujaf-144	232	3	t.	t.	PROPN
gujaf-144	232	4	k.	k.	PROPN
gujaf-144	232	5	,	,	PUNCT
gujaf-144	232	6	kolade	kolade	PROPN
gujaf-144	232	7	,	,	PUNCT
gujaf-144	232	8	r.	r.	PROPN
gujaf-144	232	9	a.	a.	PROPN
gujaf-144	232	10	,	,	PUNCT
gujaf-144	232	11	&	&	CCONJ
gujaf-144	232	12	ojo	ojo	NOUN
gujaf-144	232	13	,	,	PUNCT
gujaf-144	232	14	m.	m.	NOUN
gujaf-144	232	15	o.	o.	PROPN
gujaf-144	232	16	(	(	PUNCT
gujaf-144	232	17	2012	2012	NUM
gujaf-144	232	18	)	)	PUNCT
gujaf-144	232	19	.	.	PUNCT
gujaf-144	233	1	credit	credit	NOUN
gujaf-144	233	2	risk	risk	NOUN
gujaf-144	233	3	and	and	CCONJ
gujaf-144	233	4	commercial	commercial	ADJ
gujaf-144	233	5	banks	bank	NOUN
gujaf-144	233	6	’	'	PUNCT
gujaf-144	233	7	performance	performance	NOUN
gujaf-144	233	8	in	in	ADP
gujaf-144	233	9	nigeria	nigeria	PROPN
gujaf-144	233	10	:	:	PUNCT
gujaf-144	233	11	a	a	DET
gujaf-144	233	12	panel	panel	NOUN
gujaf-144	233	13	15	15	NUM
gujaf-144	233	14	model	model	NOUN
gujaf-144	233	15	approach	approach	NOUN
gujaf-144	233	16	.	.	PUNCT
gujaf-144	234	1	australian	australian	ADJ
gujaf-144	234	2	journal	journal	NOUN
gujaf-144	234	3	of	of	ADP
gujaf-144	234	4	business	business	NOUN
gujaf-144	234	5	and	and	CCONJ
gujaf-144	234	6	management	management	NOUN
gujaf-144	234	7	research	research	NOUN
gujaf-144	234	8	,	,	PUNCT
gujaf-144	234	9	31	31	NUM
gujaf-144	234	10	-	-	SYM
gujaf-144	234	11	38	38	NUM
gujaf-144	234	12	.	.	PUNCT
gujaf-144	235	1	gambo	gambo	PROPN
gujaf-144	235	2	,	,	PUNCT
gujaf-144	235	3	h.	h.	PROPN
gujaf-144	235	4	,	,	PUNCT
gujaf-144	235	5	bambale	bambale	PROPN
gujaf-144	235	6	,	,	PUNCT
gujaf-144	235	7	j.	j.	PROPN
gujaf-144	235	8	a.	a.	PROPN
gujaf-144	235	9	,	,	PUNCT
gujaf-144	235	10	ibrahim	ibrahim	PROPN
gujaf-144	235	11	,	,	PUNCT
gujaf-144	235	12	a.	a.	NOUN
gujaf-144	235	13	m.	m.	NOUN
gujaf-144	235	14	,	,	PUNCT
gujaf-144	235	15	&	&	CCONJ
gujaf-144	235	16	sulaiman	sulaiman	PROPN
gujaf-144	235	17	,	,	PUNCT
gujaf-144	235	18	a.	a.	PROPN
gujaf-144	235	19	s.	s.	PROPN
gujaf-144	235	20	(	(	PUNCT
gujaf-144	235	21	2019	2019	NUM
gujaf-144	235	22	)	)	PUNCT
gujaf-144	235	23	.	.	PUNCT
gujaf-144	236	1	credit	credit	NOUN
gujaf-144	236	2	risk	risk	NOUN
gujaf-144	236	3	management	management	NOUN
gujaf-144	236	4	and	and	CCONJ
gujaf-144	236	5	financial	financial	ADJ
gujaf-144	236	6	performance	performance	NOUN
gujaf-144	236	7	of	of	ADP
gujaf-144	236	8	quoted	quote	VERB
gujaf-144	236	9	deposit	deposit	NOUN
gujaf-144	236	10	money	money	NOUN
gujaf-144	236	11	banks	bank	NOUN
gujaf-144	236	12	in	in	ADP
gujaf-144	236	13	nigeria	nigeria	PROPN
gujaf-144	236	14	.	.	PUNCT
gujaf-144	237	1	journal	journal	PROPN
gujaf-144	237	2	of	of	ADP
gujaf-144	237	3	finance	finance	NOUN
gujaf-144	237	4	,	,	PUNCT
gujaf-144	237	5	accounting	accounting	NOUN
gujaf-144	237	6	and	and	CCONJ
gujaf-144	237	7	management	management	NOUN
gujaf-144	237	8	,	,	PUNCT
gujaf-144	237	9	26	26	NUM
gujaf-144	237	10	-	-	SYM
gujaf-144	237	11	42	42	NUM
gujaf-144	237	12	.	.	PUNCT
gujaf-144	238	1	hahu	hahu	PROPN
gujaf-144	238	2	zone	zone	PROPN
gujaf-144	238	3	.	.	PUNCT
gujaf-144	239	1	(	(	PUNCT
gujaf-144	239	2	2017	2017	NUM
gujaf-144	239	3	)	)	PUNCT
gujaf-144	239	4	.	.	PUNCT
gujaf-144	240	1	loans	loan	NOUN
gujaf-144	240	2	and	and	CCONJ
gujaf-144	240	3	advances	advance	NOUN
gujaf-144	240	4	.	.	PUNCT
gujaf-144	241	1	retrieved	retrieve	VERB
gujaf-144	241	2	from	from	ADP
gujaf-144	241	3	hahu	hahu	PROPN
gujaf-144	241	4	zone	zone	PROPN
gujaf-144	241	5	.	.	PUNCT
gujaf-144	242	1	:	:	PUNCT
gujaf-144	242	2	https://hahuzone.com/loans-and-advances	https://hahuzone.com/loans-and-advance	NOUN
gujaf-144	242	3	ibe	ibe	VERB
gujaf-144	242	4	,	,	PUNCT
gujaf-144	242	5	o.	o.	PROPN
gujaf-144	242	6	s.	s.	PROPN
gujaf-144	242	7	(	(	PUNCT
gujaf-144	242	8	2013	2013	NUM
gujaf-144	242	9	)	)	PUNCT
gujaf-144	242	10	.	.	PUNCT
gujaf-144	243	1	the	the	DET
gujaf-144	243	2	impact	impact	NOUN
gujaf-144	243	3	of	of	ADP
gujaf-144	243	4	liquidity	liquidity	NOUN
gujaf-144	243	5	management	management	NOUN
gujaf-144	243	6	on	on	ADP
gujaf-144	243	7	the	the	DET
gujaf-144	243	8	profitability	profitability	NOUN
gujaf-144	243	9	of	of	ADP
gujaf-144	243	10	banks	bank	NOUN
gujaf-144	243	11	in	in	ADP
gujaf-144	243	12	nigeria	nigeria	PROPN
gujaf-144	243	13	.	.	PUNCT
gujaf-144	244	1	journal	journal	PROPN
gujaf-144	244	2	of	of	ADP
gujaf-144	244	3	finance	finance	NOUN
gujaf-144	244	4	and	and	CCONJ
gujaf-144	244	5	bank	bank	NOUN
gujaf-144	244	6	management	management	NOUN
gujaf-144	244	7	,	,	PUNCT
gujaf-144	244	8	37	37	NUM
gujaf-144	244	9	-	-	SYM
gujaf-144	244	10	48	48	NUM
gujaf-144	244	11	.	.	PUNCT
gujaf-144	245	1	jn	jn	PROPN
gujaf-144	245	2	,	,	PUNCT
gujaf-144	245	3	t.	t.	PROPN
gujaf-144	245	4	,	,	PUNCT
gujaf-144	245	5	eg	eg	NOUN
gujaf-144	245	6	,	,	PUNCT
gujaf-144	245	7	u.	u.	PROPN
gujaf-144	245	8	,	,	PUNCT
gujaf-144	245	9	bu	bu	ADP
gujaf-144	245	10	,	,	PUNCT
gujaf-144	245	11	a.	a.	NOUN
gujaf-144	245	12	,	,	PUNCT
gujaf-144	245	13	k	k	PROPN
gujaf-144	245	14	,	,	PUNCT
gujaf-144	245	15	a.	a.	NOUN
gujaf-144	245	16	,	,	PUNCT
gujaf-144	245	17	l	l	NOUN
gujaf-144	245	18	,	,	PUNCT
gujaf-144	245	19	o.	o.	PROPN
gujaf-144	245	20	,	,	PUNCT
gujaf-144	245	21	&	&	CCONJ
gujaf-144	245	22	m.e	m.e	PROPN
gujaf-144	245	23	,	,	PUNCT
gujaf-144	245	24	a.	a.	NOUN
gujaf-144	245	25	(	(	PUNCT
gujaf-144	245	26	2015	2015	NUM
gujaf-144	245	27	)	)	PUNCT
gujaf-144	245	28	.	.	PUNCT
gujaf-144	246	1	credit	credit	NOUN
gujaf-144	246	2	risk	risk	NOUN
gujaf-144	246	3	management	management	NOUN
gujaf-144	246	4	:	:	PUNCT
gujaf-144	246	5	implications	implication	NOUN
gujaf-144	246	6	on	on	ADP
gujaf-144	246	7	bank	bank	NOUN
gujaf-144	246	8	performance	performance	NOUN
gujaf-144	246	9	and	and	CCONJ
gujaf-144	246	10	lending	lending	NOUN
gujaf-144	246	11	growth	growth	NOUN
gujaf-144	246	12	.	.	PUNCT
gujaf-144	247	1	saudi	saudi	ADJ
gujaf-144	247	2	journal	journal	PROPN
gujaf-144	247	3	of	of	ADP
gujaf-144	247	4	business	business	NOUN
gujaf-144	247	5	and	and	CCONJ
gujaf-144	247	6	management	management	NOUN
gujaf-144	247	7	studies	study	NOUN
gujaf-144	247	8	,	,	PUNCT
gujaf-144	247	9	584	584	NUM
gujaf-144	247	10	-	-	SYM
gujaf-144	247	11	590	590	NUM
gujaf-144	247	12	.	.	PUNCT
gujaf-144	248	1	kaaya	kaaya	PROPN
gujaf-144	248	2	,	,	PUNCT
gujaf-144	248	3	i.	i.	PROPN
gujaf-144	248	4	,	,	PUNCT
gujaf-144	248	5	&	&	CCONJ
gujaf-144	248	6	pastory	pastory	ADJ
gujaf-144	248	7	,	,	PUNCT
gujaf-144	248	8	d.	d.	PROPN
gujaf-144	248	9	(	(	PUNCT
gujaf-144	248	10	2013	2013	NUM
gujaf-144	248	11	)	)	PUNCT
gujaf-144	248	12	.	.	PUNCT
gujaf-144	249	1	credit	credit	NOUN
gujaf-144	249	2	risk	risk	NOUN
gujaf-144	249	3	and	and	CCONJ
gujaf-144	249	4	commercial	commercial	ADJ
gujaf-144	249	5	banks	bank	NOUN
gujaf-144	249	6	performance	performance	NOUN
gujaf-144	249	7	in	in	ADP
gujaf-144	249	8	tanzania	tanzania	PROPN
gujaf-144	249	9	:	:	PUNCT
gujaf-144	249	10	a	a	DET
gujaf-144	249	11	panel	panel	NOUN
gujaf-144	249	12	data	data	VERB
gujaf-144	249	13	analysis	analysis	NOUN
gujaf-144	249	14	.	.	PUNCT
gujaf-144	250	1	research	research	NOUN
gujaf-144	250	2	journal	journal	PROPN
gujaf-144	250	3	of	of	ADP
gujaf-144	250	4	finance	finance	NOUN
gujaf-144	250	5	and	and	CCONJ
gujaf-144	250	6	accounting	accounting	NOUN
gujaf-144	250	7	,	,	PUNCT
gujaf-144	250	8	55	55	NUM
gujaf-144	250	9	-	-	SYM
gujaf-144	250	10	62	62	NUM
gujaf-144	250	11	.	.	PUNCT
gujaf-144	251	1	mushtaq	mushtaq	PROPN
gujaf-144	251	2	,	,	PUNCT
gujaf-144	251	3	m.	m.	NOUN
gujaf-144	251	4	,	,	PUNCT
gujaf-144	251	5	ismail	ismail	PROPN
gujaf-144	251	6	,	,	PUNCT
gujaf-144	251	7	a.	a.	PROPN
gujaf-144	251	8	,	,	PUNCT
gujaf-144	251	9	&	&	CCONJ
gujaf-144	251	10	rahila	rahila	PROPN
gujaf-144	251	11	,	,	PUNCT
gujaf-144	251	12	h.	h.	PROPN
gujaf-144	251	13	(	(	PUNCT
gujaf-144	251	14	2015	2015	NUM
gujaf-144	251	15	)	)	PUNCT
gujaf-144	251	16	.	.	PUNCT
gujaf-144	252	1	credit	credit	NOUN
gujaf-144	252	2	risk	risk	NOUN
gujaf-144	252	3	,	,	PUNCT
gujaf-144	252	4	capital	capital	NOUN
gujaf-144	252	5	adequacy	adequacy	NOUN
gujaf-144	252	6	and	and	CCONJ
gujaf-144	252	7	bank	bank	NOUN
gujaf-144	252	8	’s	’s	PART
gujaf-144	252	9	performance	performance	NOUN
gujaf-144	252	10	:	:	PUNCT
gujaf-144	252	11	an	an	DET
gujaf-144	252	12	empirical	empirical	ADJ
gujaf-144	252	13	evidence	evidence	NOUN
gujaf-144	252	14	from	from	ADP
gujaf-144	252	15	pakistan	pakistan	PROPN
gujaf-144	252	16	.	.	PUNCT
gujaf-144	253	1	international	international	ADJ
gujaf-144	253	2	journal	journal	PROPN
gujaf-144	253	3	of	of	ADP
gujaf-144	253	4	financial	financial	ADJ
gujaf-144	253	5	management	management	NOUN
gujaf-144	253	6	,	,	PUNCT
gujaf-144	253	7	27	27	NUM
gujaf-144	253	8	-	-	SYM
gujaf-144	253	9	32	32	NUM
gujaf-144	253	10	.	.	PUNCT
gujaf-144	254	1	mutava	mutava	NOUN
gujaf-144	254	2	,	,	PUNCT
gujaf-144	254	3	m.	m.	NOUN
gujaf-144	254	4	p.	p.	PROPN
gujaf-144	254	5	,	,	PUNCT
gujaf-144	254	6	&	&	CCONJ
gujaf-144	254	7	ali	ali	PROPN
gujaf-144	254	8	,	,	PUNCT
gujaf-144	254	9	i.	i.	PROPN
gujaf-144	254	10	a.	a.	PROPN
gujaf-144	254	11	(	(	PUNCT
gujaf-144	254	12	2016	2016	NUM
gujaf-144	254	13	)	)	PUNCT
gujaf-144	254	14	.	.	PUNCT
gujaf-144	255	1	effects	effect	NOUN
gujaf-144	255	2	of	of	ADP
gujaf-144	255	3	credit	credit	NOUN
gujaf-144	255	4	risk	risk	NOUN
gujaf-144	255	5	management	management	NOUN
gujaf-144	255	6	on	on	ADP
gujaf-144	255	7	financial	financial	ADJ
gujaf-144	255	8	performance	performance	NOUN
gujaf-144	255	9	of	of	ADP
gujaf-144	255	10	commercial	commercial	ADJ
gujaf-144	255	11	banks	bank	NOUN
gujaf-144	255	12	in	in	ADP
gujaf-144	255	13	mombasa	mombasa	PROPN
gujaf-144	255	14	county	county	PROPN
gujaf-144	255	15	.	.	PUNCT
gujaf-144	256	1	research	research	NOUN
gujaf-144	256	2	journal	journal	PROPN
gujaf-144	256	3	of	of	ADP
gujaf-144	256	4	finance	finance	NOUN
gujaf-144	256	5	and	and	CCONJ
gujaf-144	256	6	accounting	accounting	NOUN
gujaf-144	256	7	,	,	PUNCT
gujaf-144	256	8	15	15	NUM
gujaf-144	256	9	-	-	SYM
gujaf-144	256	10	22	22	NUM
gujaf-144	256	11	.	.	PUNCT
gujaf-144	257	1	nwude	nwude	PROPN
gujaf-144	257	2	,	,	PUNCT
gujaf-144	257	3	c.	c.	PROPN
gujaf-144	257	4	e.	e.	PROPN
gujaf-144	257	5	,	,	PUNCT
gujaf-144	257	6	&	&	CCONJ
gujaf-144	257	7	okeke	okeke	ADJ
gujaf-144	257	8	,	,	PUNCT
gujaf-144	257	9	c.	c.	NOUN
gujaf-144	257	10	(	(	PUNCT
gujaf-144	257	11	2018	2018	NUM
gujaf-144	257	12	)	)	PUNCT
gujaf-144	257	13	.	.	PUNCT
gujaf-144	258	1	impact	impact	NOUN
gujaf-144	258	2	of	of	ADP
gujaf-144	258	3	credit	credit	NOUN
gujaf-144	258	4	risk	risk	NOUN
gujaf-144	258	5	management	management	NOUN
gujaf-144	258	6	on	on	ADP
gujaf-144	258	7	the	the	DET
gujaf-144	258	8	performance	performance	NOUN
gujaf-144	258	9	of	of	ADP
gujaf-144	258	10	selected	select	VERB
gujaf-144	258	11	nigerian	nigerian	ADJ
gujaf-144	258	12	banks	bank	NOUN
gujaf-144	258	13	.	.	PUNCT
gujaf-144	259	1	international	international	ADJ
gujaf-144	259	2	journal	journal	PROPN
gujaf-144	259	3	of	of	ADP
gujaf-144	259	4	economics	economic	NOUN
gujaf-144	259	5	and	and	CCONJ
gujaf-144	259	6	financial	financial	ADJ
gujaf-144	259	7	issues	issue	NOUN
gujaf-144	259	8	,	,	PUNCT
gujaf-144	259	9	287	287	NUM
gujaf-144	259	10	-	-	SYM
gujaf-144	259	11	297	297	NUM
gujaf-144	259	12	.	.	PUNCT
gujaf-144	260	1	nzenwata	nzenwata	PROPN
gujaf-144	260	2	,	,	PUNCT
gujaf-144	260	3	a.	a.	PROPN
gujaf-144	260	4	(	(	PUNCT
gujaf-144	260	5	n.d	n.d	PROPN
gujaf-144	260	6	.	.	PROPN
gujaf-144	260	7	)	)	PUNCT
gujaf-144	260	8	.	.	PUNCT
gujaf-144	261	1	theories	theory	NOUN
gujaf-144	261	2	of	of	ADP
gujaf-144	261	3	financial	financial	ADJ
gujaf-144	261	4	distress	distress	NOUN
gujaf-144	261	5	.	.	PUNCT
gujaf-144	262	1	retrieved	retrieve	VERB
gujaf-144	262	2	from	from	ADP
gujaf-144	262	3	midas	midas	PROPN
gujaf-144	262	4	research	research	PROPN
gujaf-144	262	5	:	:	PUNCT
gujaf-144	262	6	http://researchmidas.blogspot.com/2017/08/theories-offinancial-distress.html	http://researchmidas.blogspot.com/2017/08/theories-offinancial-distress.html	PUNCT
gujaf-144	262	7	oloruntoba	oloruntoba	NOUN
gujaf-144	262	8	,	,	PUNCT
gujaf-144	262	9	o.	o.	PROPN
gujaf-144	262	10	,	,	PUNCT
gujaf-144	262	11	zaid	zaid	PROPN
gujaf-144	262	12	,	,	PUNCT
gujaf-144	262	13	a.	a.	NOUN
gujaf-144	262	14	a.	a.	PROPN
gujaf-144	262	15	,	,	PUNCT
gujaf-144	262	16	&	&	CCONJ
gujaf-144	262	17	oluwafolakemi	oluwafolakemi	ADJ
gujaf-144	262	18	,	,	PUNCT
gujaf-144	262	19	o.	o.	PROPN
gujaf-144	262	20	f.	f.	PROPN
gujaf-144	262	21	(	(	PUNCT
gujaf-144	262	22	2018	2018	NUM
gujaf-144	262	23	)	)	PUNCT
gujaf-144	262	24	.	.	PUNCT
gujaf-144	263	1	credit	credit	NOUN
gujaf-144	263	2	risk	risk	NOUN
gujaf-144	263	3	management	management	NOUN
gujaf-144	263	4	and	and	CCONJ
gujaf-144	263	5	its	its	PRON
gujaf-144	263	6	influence	influence	NOUN
gujaf-144	263	7	on	on	ADP
gujaf-144	263	8	the	the	DET
gujaf-144	263	9	financial	financial	ADJ
gujaf-144	263	10	performance	performance	NOUN
gujaf-144	263	11	of	of	ADP
gujaf-144	263	12	banks	bank	NOUN
gujaf-144	263	13	:	:	PUNCT
gujaf-144	263	14	a	a	DET
gujaf-144	263	15	study	study	NOUN
gujaf-144	263	16	of	of	ADP
gujaf-144	263	17	selected	select	VERB
gujaf-144	263	18	banks	bank	NOUN
gujaf-144	263	19	in	in	ADP
gujaf-144	263	20	nigeria	nigeria	PROPN
gujaf-144	263	21	.	.	PUNCT
gujaf-144	264	1	south	south	ADJ
gujaf-144	264	2	asian	asian	PROPN
gujaf-144	264	3	journal	journal	PROPN
gujaf-144	264	4	of	of	ADP
gujaf-144	264	5	social	social	ADJ
gujaf-144	264	6	studies	study	NOUN
gujaf-144	264	7	and	and	CCONJ
gujaf-144	264	8	economics	economic	NOUN
gujaf-144	264	9	,	,	PUNCT
gujaf-144	264	10	2	2	NUM
gujaf-144	264	11	-	-	SYM
gujaf-144	264	12	11	11	NUM
gujaf-144	264	13	.	.	PUNCT
gujaf-144	265	1	oluwafemi	oluwafemi	PROPN
gujaf-144	265	2	,	,	PUNCT
gujaf-144	265	3	s.	s.	PROPN
gujaf-144	265	4	a.	a.	PROPN
gujaf-144	265	5	,	,	PUNCT
gujaf-144	265	6	&	&	CCONJ
gujaf-144	265	7	oluwabunmi	oluwabunmi	PROPN
gujaf-144	265	8	,	,	PUNCT
gujaf-144	265	9	d.	d.	PROPN
gujaf-144	265	10	(	(	PUNCT
gujaf-144	265	11	2017	2017	NUM
gujaf-144	265	12	)	)	PUNCT
gujaf-144	265	13	.	.	PUNCT
gujaf-144	266	1	impact	impact	NOUN
gujaf-144	266	2	of	of	ADP
gujaf-144	266	3	credit	credit	NOUN
gujaf-144	266	4	risk	risk	NOUN
gujaf-144	266	5	management	management	NOUN
gujaf-144	266	6	on	on	ADP
gujaf-144	266	7	deposit	deposit	NOUN
gujaf-144	266	8	money	money	NOUN
gujaf-144	266	9	banks	bank	NOUN
gujaf-144	266	10	performance	performance	NOUN
gujaf-144	266	11	in	in	ADP
gujaf-144	266	12	nigeria	nigeria	PROPN
gujaf-144	266	13	.	.	PUNCT
gujaf-144	267	1	journal	journal	PROPN
gujaf-144	267	2	of	of	ADP
gujaf-144	267	3	association	association	PROPN
gujaf-144	267	4	of	of	ADP
gujaf-144	267	5	professional	professional	ADJ
gujaf-144	267	6	bankers	banker	NOUN
gujaf-144	267	7	in	in	ADP
gujaf-144	267	8	education	education	NOUN
gujaf-144	267	9	(	(	PUNCT
gujaf-144	267	10	japbe	japbe	PROPN
gujaf-144	267	11	)	)	PUNCT
gujaf-144	267	12	,	,	PUNCT
gujaf-144	267	13	163	163	NUM
gujaf-144	267	14	-	-	SYM
gujaf-144	267	15	178	178	NUM
gujaf-144	267	16	.	.	PUNCT
gujaf-144	268	1	omare	omare	PROPN
gujaf-144	268	2	,	,	PUNCT
gujaf-144	268	3	h.	h.	PROPN
gujaf-144	268	4	(	(	PUNCT
gujaf-144	268	5	2016	2016	NUM
gujaf-144	268	6	)	)	PUNCT
gujaf-144	268	7	.	.	PUNCT
gujaf-144	269	1	effect	effect	NOUN
gujaf-144	269	2	of	of	ADP
gujaf-144	269	3	credit	credit	NOUN
gujaf-144	269	4	reference	reference	NOUN
gujaf-144	269	5	bureau	bureau	NOUN
gujaf-144	269	6	services	service	NOUN
gujaf-144	269	7	on	on	ADP
gujaf-144	269	8	non	non	ADJ
gujaf-144	269	9	-	-	ADJ
gujaf-144	269	10	performing	performing	ADJ
gujaf-144	269	11	loan	loan	NOUN
gujaf-144	269	12	portfolios	portfolio	NOUN
gujaf-144	269	13	in	in	ADP
gujaf-144	269	14	kenya	kenya	PROPN
gujaf-144	269	15	:	:	PUNCT
gujaf-144	269	16	a	a	DET
gujaf-144	269	17	case	case	NOUN
gujaf-144	269	18	study	study	NOUN
gujaf-144	269	19	of	of	ADP
gujaf-144	269	20	deposit	deposit	NOUN
gujaf-144	269	21	taking	take	VERB
gujaf-144	269	22	microfinance	microfinance	NOUN
gujaf-144	269	23	institution	institution	NOUN
gujaf-144	269	24	.	.	PUNCT
gujaf-144	270	1	onyekwelu	onyekwelu	PROPN
gujaf-144	270	2	,	,	PUNCT
gujaf-144	270	3	u.	u.	PROPN
gujaf-144	270	4	l.	l.	PROPN
gujaf-144	270	5	,	,	PUNCT
gujaf-144	270	6	chukwuani	chukwuani	NOUN
gujaf-144	270	7	,	,	PUNCT
gujaf-144	270	8	v.	v.	ADP
gujaf-144	270	9	n.	n.	NOUN
gujaf-144	270	10	,	,	PUNCT
gujaf-144	270	11	&	&	CCONJ
gujaf-144	270	12	onyeka	onyeka	PROPN
gujaf-144	270	13	,	,	PUNCT
gujaf-144	270	14	v.	v.	CCONJ
gujaf-144	270	15	n.	n.	NOUN
gujaf-144	270	16	(	(	PUNCT
gujaf-144	270	17	2018	2018	NUM
gujaf-144	270	18	)	)	PUNCT
gujaf-144	270	19	.	.	PUNCT
gujaf-144	271	1	effect	effect	NOUN
gujaf-144	271	2	of	of	ADP
gujaf-144	271	3	liquidity	liquidity	NOUN
gujaf-144	271	4	on	on	ADP
gujaf-144	271	5	financial	financial	ADJ
gujaf-144	271	6	performance	performance	NOUN
gujaf-144	271	7	of	of	ADP
gujaf-144	271	8	deposit	deposit	NOUN
gujaf-144	271	9	money	money	NOUN
gujaf-144	271	10	banks	bank	NOUN
gujaf-144	271	11	in	in	ADP
gujaf-144	271	12	nigeria	nigeria	PROPN
gujaf-144	271	13	.	.	PUNCT
gujaf-144	272	1	journal	journal	PROPN
gujaf-144	272	2	of	of	ADP
gujaf-144	272	3	economics	economic	NOUN
gujaf-144	272	4	and	and	CCONJ
gujaf-144	272	5	sustainable	sustainable	ADJ
gujaf-144	272	6	development	development	NOUN
gujaf-144	272	7	,	,	PUNCT
gujaf-144	272	8	19	19	NUM
gujaf-144	272	9	-	-	SYM
gujaf-144	272	10	28	28	NUM
gujaf-144	272	11	.	.	PUNCT
gujaf-144	273	1	16	16	NUM
gujaf-144	273	2	patjoshi	patjoshi	NOUN
gujaf-144	273	3	,	,	PUNCT
gujaf-144	273	4	k.	k.	PROPN
gujaf-144	274	1	p.	p.	PROPN
gujaf-144	274	2	(	(	PUNCT
gujaf-144	274	3	2016	2016	NUM
gujaf-144	274	4	)	)	PUNCT
gujaf-144	274	5	.	.	PUNCT
gujaf-144	275	1	a	a	DET
gujaf-144	275	2	study	study	NOUN
gujaf-144	275	3	on	on	ADP
gujaf-144	275	4	liquidity	liquidity	NOUN
gujaf-144	275	5	management	management	NOUN
gujaf-144	275	6	and	and	CCONJ
gujaf-144	275	7	financial	financial	ADJ
gujaf-144	275	8	performance	performance	NOUN
gujaf-144	275	9	of	of	ADP
gujaf-144	275	10	selected	select	VERB
gujaf-144	275	11	steel	steel	NOUN
gujaf-144	275	12	companies	company	NOUN
gujaf-144	275	13	in	in	ADP
gujaf-144	275	14	india	india	PROPN
gujaf-144	275	15	.	.	PUNCT
gujaf-144	276	1	international	international	ADJ
gujaf-144	276	2	journal	journal	PROPN
gujaf-144	276	3	of	of	ADP
gujaf-144	276	4	advanced	advanced	ADJ
gujaf-144	276	5	information	information	NOUN
gujaf-144	276	6	science	science	NOUN
gujaf-144	276	7	and	and	CCONJ
gujaf-144	276	8	technology	technology	NOUN
gujaf-144	276	9	,	,	PUNCT
gujaf-144	276	10	108	108	NUM
gujaf-144	276	11	-	-	SYM
gujaf-144	276	12	117	117	NUM
gujaf-144	276	13	.	.	PUNCT
gujaf-144	277	1	raza	raza	PROPN
gujaf-144	277	2	,	,	PUNCT
gujaf-144	277	3	a.	a.	PROPN
gujaf-144	277	4	,	,	PUNCT
gujaf-144	277	5	farhan	farhan	PROPN
gujaf-144	277	6	,	,	PUNCT
gujaf-144	277	7	m.	m.	NOUN
gujaf-144	277	8	,	,	PUNCT
gujaf-144	277	9	&	&	CCONJ
gujaf-144	277	10	akram	akram	PROPN
gujaf-144	277	11	,	,	PUNCT
gujaf-144	277	12	m.	m.	NOUN
gujaf-144	277	13	(	(	PUNCT
gujaf-144	277	14	2011	2011	NUM
gujaf-144	277	15	)	)	PUNCT
gujaf-144	277	16	.	.	PUNCT
gujaf-144	278	1	a	a	DET
gujaf-144	278	2	comparison	comparison	NOUN
gujaf-144	278	3	of	of	ADP
gujaf-144	278	4	financial	financial	ADJ
gujaf-144	278	5	performance	performance	NOUN
gujaf-144	278	6	in	in	ADP
gujaf-144	278	7	investment	investment	NOUN
gujaf-144	278	8	banking	banking	NOUN
gujaf-144	278	9	sector	sector	NOUN
gujaf-144	278	10	in	in	ADP
gujaf-144	278	11	pakistan	pakistan	PROPN
gujaf-144	278	12	.	.	PUNCT
gujaf-144	279	1	international	international	ADJ
gujaf-144	279	2	journal	journal	PROPN
gujaf-144	279	3	of	of	ADP
gujaf-144	279	4	business	business	NOUN
gujaf-144	279	5	and	and	CCONJ
gujaf-144	279	6	social	social	ADJ
gujaf-144	279	7	science	science	NOUN
gujaf-144	279	8	,	,	PUNCT
gujaf-144	279	9	73	73	NUM
gujaf-144	279	10	-	-	SYM
gujaf-144	279	11	81	81	NUM
gujaf-144	279	12	.	.	PUNCT
gujaf-144	280	1	s	s	X
gujaf-144	280	2	,	,	PUNCT
gujaf-144	280	3	m.	m.	NOUN
gujaf-144	280	4	(	(	PUNCT
gujaf-144	280	5	n.d	n.d	PROPN
gujaf-144	280	6	.	.	PROPN
gujaf-144	280	7	)	)	PUNCT
gujaf-144	280	8	.	.	PUNCT
gujaf-144	281	1	top	top	ADJ
gujaf-144	281	2	4	4	NUM
gujaf-144	281	3	theories	theory	NOUN
gujaf-144	281	4	of	of	ADP
gujaf-144	281	5	liquidity	liquidity	NOUN
gujaf-144	281	6	management	management	NOUN
gujaf-144	281	7	.	.	PUNCT
gujaf-144	282	1	retrieved	retrieve	VERB
gujaf-144	282	2	from	from	ADP
gujaf-144	282	3	micro	micro	ADJ
gujaf-144	282	4	economics	economic	NOUN
gujaf-144	282	5	:	:	PUNCT
gujaf-144	282	6	https://www.microeconomicsnotes.com/banking/commercialbanks/top-4-theories-of-liquidity-management/1234	https://www.microeconomicsnotes.com/banking/commercialbanks/top-4-theories-of-liquidity-management/1234	NOUN
gujaf-144	282	7	startcredits	startcredit	NOUN
gujaf-144	282	8	.	.	PUNCT
gujaf-144	283	1	(	(	PUNCT
gujaf-144	283	2	2020	2020	NUM
gujaf-144	283	3	,	,	PUNCT
gujaf-144	283	4	july	july	PROPN
gujaf-144	283	5	9	9	NUM
gujaf-144	283	6	)	)	PUNCT
gujaf-144	283	7	.	.	PUNCT
gujaf-144	284	1	https://startcredits.com/the-2019-non-performing-loansin-nigeria/.	https://startcredits.com/the-2019-non-performing-loansin-nigeria/.	AUX
gujaf-144	284	2	retrieved	retrieve	VERB
gujaf-144	284	3	from	from	ADP
gujaf-144	284	4	startcredits.com	startcredits.com	NOUN
gujaf-144	284	5	:	:	PUNCT
gujaf-144	284	6	https://startcredits.com/the-2019non-performing-loans-in-nigeria/	https://startcredits.com/the-2019non-performing-loans-in-nigeria/	PROPN
gujaf-144	284	7	sunday	sunday	PROPN
gujaf-144	284	8	,	,	PUNCT
gujaf-144	284	9	c.	c.	PROPN
gujaf-144	284	10	o.	o.	PROPN
gujaf-144	284	11	,	,	PUNCT
gujaf-144	284	12	&	&	CCONJ
gujaf-144	284	13	ndukaife	ndukaife	PROPN
gujaf-144	284	14	,	,	PUNCT
gujaf-144	284	15	c.	c.	PROPN
gujaf-144	284	16	n.	n.	PROPN
gujaf-144	284	17	(	(	PUNCT
gujaf-144	284	18	2016	2016	NUM
gujaf-144	284	19	)	)	PUNCT
gujaf-144	284	20	.	.	PUNCT
gujaf-144	285	1	effect	effect	NOUN
gujaf-144	285	2	of	of	ADP
gujaf-144	285	3	liquidity	liquidity	NOUN
gujaf-144	285	4	management	management	NOUN
gujaf-144	285	5	on	on	ADP
gujaf-144	285	6	performance	performance	NOUN
gujaf-144	285	7	of	of	ADP
gujaf-144	285	8	deposit	deposit	NOUN
gujaf-144	285	9	money	money	NOUN
gujaf-144	285	10	banks	bank	NOUN
gujaf-144	285	11	in	in	ADP
gujaf-144	285	12	nigeria	nigeria	PROPN
gujaf-144	285	13	(	(	PUNCT
gujaf-144	285	14	20002015	20002015	NUM
gujaf-144	285	15	)	)	PUNCT
gujaf-144	285	16	.	.	PUNCT
gujaf-144	286	1	journal	journal	NOUN
gujaf-144	286	2	of	of	ADP
gujaf-144	286	3	policy	policy	NOUN
gujaf-144	286	4	and	and	CCONJ
gujaf-144	286	5	development	development	NOUN
gujaf-144	286	6	studies	study	NOUN
gujaf-144	286	7	(	(	PUNCT
gujaf-144	286	8	jpds	jpds	PROPN
gujaf-144	286	9	)	)	PUNCT
gujaf-144	286	10	,	,	PUNCT
gujaf-144	286	11	156	156	NUM
gujaf-144	286	12	-	-	SYM
gujaf-144	286	13	169	169	NUM
gujaf-144	286	14	.	.	PUNCT
gujaf-144	287	1	terseer	terseer	PROPN
gujaf-144	287	2	,	,	PUNCT
gujaf-144	287	3	w.	w.	PROPN
gujaf-144	287	4	,	,	PUNCT
gujaf-144	287	5	henry	henry	PROPN
gujaf-144	287	6	,	,	PUNCT
gujaf-144	287	7	y.	y.	PROPN
gujaf-144	287	8	,	,	PUNCT
gujaf-144	287	9	&	&	CCONJ
gujaf-144	287	10	mkuma	mkuma	PROPN
gujaf-144	287	11	,	,	PUNCT
gujaf-144	287	12	p.	p.	PROPN
gujaf-144	287	13	y.	y.	PROPN
gujaf-144	287	14	(	(	PUNCT
gujaf-144	287	15	2020	2020	NUM
gujaf-144	287	16	)	)	PUNCT
gujaf-144	287	17	.	.	PUNCT
gujaf-144	288	1	effect	effect	NOUN
gujaf-144	288	2	of	of	ADP
gujaf-144	288	3	liquidity	liquidity	NOUN
gujaf-144	288	4	management	management	NOUN
gujaf-144	288	5	on	on	ADP
gujaf-144	288	6	the	the	DET
gujaf-144	288	7	financial	financial	ADJ
gujaf-144	288	8	performance	performance	NOUN
gujaf-144	288	9	of	of	ADP
gujaf-144	288	10	banks	bank	NOUN
gujaf-144	288	11	in	in	ADP
gujaf-144	288	12	nigeria	nigeria	PROPN
gujaf-144	288	13	.	.	PUNCT
gujaf-144	289	1	european	european	PROPN
gujaf-144	289	2	journal	journal	PROPN
gujaf-144	289	3	of	of	ADP
gujaf-144	289	4	business	business	NOUN
gujaf-144	289	5	and	and	CCONJ
gujaf-144	289	6	innovation	innovation	NOUN
gujaf-144	289	7	research	research	NOUN
gujaf-144	289	8	,	,	PUNCT
gujaf-144	289	9	30	30	NUM
gujaf-144	289	10	-	-	SYM
gujaf-144	289	11	44	44	NUM
gujaf-144	289	12	.	.	PUNCT
gujaf-144	290	1	the	the	DET
gujaf-144	290	2	economic	economic	ADJ
gujaf-144	290	3	times	time	NOUN
gujaf-144	290	4	.	.	PUNCT
gujaf-144	291	1	(	(	PUNCT
gujaf-144	291	2	2021	2021	NUM
gujaf-144	291	3	,	,	PUNCT
gujaf-144	291	4	april	april	PROPN
gujaf-144	291	5	04	04	NUM
gujaf-144	291	6	)	)	PUNCT
gujaf-144	291	7	.	.	PUNCT
gujaf-144	292	1	definition	definition	NOUN
gujaf-144	292	2	of	of	ADP
gujaf-144	292	3	'	'	PUNCT
gujaf-144	292	4	earnings	earning	NOUN
gujaf-144	292	5	per	per	ADP
gujaf-144	292	6	share	share	NOUN
gujaf-144	292	7	(	(	PUNCT
gujaf-144	292	8	eps	eps	NOUN
gujaf-144	292	9	)	)	PUNCT
gujaf-144	292	10	'	'	PUNCT
gujaf-144	292	11	.	.	PUNCT
gujaf-144	293	1	retrieved	retrieve	VERB
gujaf-144	293	2	from	from	ADP
gujaf-144	293	3	economic	economic	ADJ
gujaf-144	293	4	times	time	NOUN
gujaf-144	293	5	:	:	PUNCT
gujaf-144	293	6	https://economictimes.indiatimes.com/definition/earnings-per-share-eps	https://economictimes.indiatimes.com/definition/earnings-per-share-eps	ADP
gujaf-144	293	7	the	the	DET
gujaf-144	293	8	economic	economic	ADJ
gujaf-144	293	9	times	time	NOUN
gujaf-144	293	10	.	.	PUNCT
gujaf-144	294	1	(	(	PUNCT
gujaf-144	294	2	2021	2021	NUM
gujaf-144	294	3	,	,	PUNCT
gujaf-144	294	4	march	march	PROPN
gujaf-144	294	5	31	31	NUM
gujaf-144	294	6	)	)	PUNCT
gujaf-144	294	7	.	.	PUNCT
gujaf-144	295	1	definition	definition	NOUN
gujaf-144	295	2	of	of	ADP
gujaf-144	295	3	'	'	PUNCT
gujaf-144	295	4	liquidity	liquidity	NOUN
gujaf-144	295	5	'	'	PUNCT
gujaf-144	295	6	.	.	PUNCT
gujaf-144	296	1	retrieved	retrieve	VERB
gujaf-144	296	2	from	from	ADP
gujaf-144	296	3	the	the	DET
gujaf-144	296	4	economic	economic	ADJ
gujaf-144	296	5	times	time	NOUN
gujaf-144	296	6	:	:	PUNCT
gujaf-144	296	7	https://economictimes.indiatimes.com/definition/liquidity	https://economictimes.indiatimes.com/definition/liquidity	NOUN
gujaf-144	296	8	the	the	DET
gujaf-144	296	9	economic	economic	ADJ
gujaf-144	296	10	times	time	NOUN
gujaf-144	296	11	.	.	PUNCT
gujaf-144	297	1	(	(	PUNCT
gujaf-144	297	2	n.d	n.d	PROPN
gujaf-144	297	3	.	.	PROPN
gujaf-144	297	4	)	)	PUNCT
gujaf-144	297	5	.	.	PUNCT
gujaf-144	298	1	definition	definition	NOUN
gujaf-144	298	2	of	of	ADP
gujaf-144	298	3	'	'	PUNCT
gujaf-144	298	4	capital	capital	NOUN
gujaf-144	298	5	adequacy	adequacy	NOUN
gujaf-144	298	6	ratio	ratio	NOUN
gujaf-144	298	7	'	'	PUNCT
gujaf-144	298	8	.	.	PUNCT
gujaf-144	299	1	retrieved	retrieve	VERB
gujaf-144	299	2	from	from	ADP
gujaf-144	299	3	the	the	DET
gujaf-144	299	4	economic	economic	ADJ
gujaf-144	299	5	times	time	NOUN
gujaf-144	299	6	:	:	PUNCT
gujaf-144	299	7	https://economictimes.indiatimes.com/definition/capital-adequacy-ratio	https://economictimes.indiatimes.com/definition/capital-adequacy-ratio	NOUN
gujaf-144	299	8	udoka	udoka	NOUN
gujaf-144	299	9	,	,	PUNCT
gujaf-144	299	10	o.	o.	PROPN
gujaf-144	299	11	c.	c.	PROPN
gujaf-144	299	12	(	(	PUNCT
gujaf-144	299	13	2012	2012	NUM
gujaf-144	299	14	)	)	PUNCT
gujaf-144	299	15	.	.	PUNCT
gujaf-144	300	1	an	an	DET
gujaf-144	300	2	analytical	analytical	ADJ
gujaf-144	300	3	and	and	CCONJ
gujaf-144	300	4	theoretical	theoretical	ADJ
gujaf-144	300	5	investigation	investigation	NOUN
gujaf-144	300	6	of	of	ADP
gujaf-144	300	7	the	the	DET
gujaf-144	300	8	determinants	determinant	NOUN
gujaf-144	300	9	of	of	ADP
gujaf-144	300	10	deposit	deposit	NOUN
gujaf-144	300	11	money	money	NOUN
gujaf-144	300	12	bank	bank	NOUN
gujaf-144	300	13	’s	’s	PART
gujaf-144	300	14	investment	investment	NOUN
gujaf-144	300	15	in	in	ADP
gujaf-144	300	16	treasury	treasury	PROPN
gujaf-144	300	17	bills	bill	NOUN
gujaf-144	300	18	in	in	ADP
gujaf-144	300	19	nigeria	nigeria	PROPN
gujaf-144	300	20	.	.	PUNCT
gujaf-144	301	1	european	european	PROPN
gujaf-144	301	2	journal	journal	PROPN
gujaf-144	301	3	of	of	ADP
gujaf-144	301	4	business	business	NOUN
gujaf-144	301	5	and	and	CCONJ
gujaf-144	301	6	management	management	NOUN
gujaf-144	301	7	,	,	PUNCT
gujaf-144	301	8	42	42	NUM
gujaf-144	301	9	-	-	SYM
gujaf-144	301	10	48	48	NUM
gujaf-144	301	11	.	.	PUNCT
gujaf-144	301	12	17	17	NUM