id	sid	tid	token	lemma	pos
gujaf-36	1	1	gusau	gusau	PROPN
gujaf-36	1	2	journal	journal	NOUN
gujaf-36	1	3	of	of	ADP
gujaf-36	1	4	accounting	accounting	NOUN
gujaf-36	1	5	and	and	CCONJ
gujaf-36	1	6	finance	finance	NOUN
gujaf-36	1	7	(	(	PUNCT
gujaf-36	1	8	gujaf	gujaf	NOUN
gujaf-36	1	9	)	)	PUNCT
gujaf-36	1	10	vol	vol	NOUN
gujaf-36	1	11	.	.	NOUN
gujaf-36	1	12	1	1	NUM
gujaf-36	1	13	issue	issue	NOUN
gujaf-36	1	14	2	2	NUM
gujaf-36	1	15	,	,	PUNCT
gujaf-36	1	16	october	october	PROPN
gujaf-36	1	17	,	,	PUNCT
gujaf-36	1	18	2020	2020	NUM
gujaf-36	1	19	issn	issn	VERB
gujaf-36	1	20	:	:	PUNCT
gujaf-36	1	21	2756	2756	NUM
gujaf-36	1	22	-	-	PUNCT
gujaf-36	1	23	665x	665x	NOUN
gujaf-36	1	24	a	a	DET
gujaf-36	1	25	publication	publication	NOUN
gujaf-36	1	26	of	of	ADP
gujaf-36	1	27	department	department	NOUN
gujaf-36	1	28	of	of	ADP
gujaf-36	1	29	accounting	accounting	NOUN
gujaf-36	1	30	and	and	CCONJ
gujaf-36	1	31	finance	finance	NOUN
gujaf-36	1	32	,	,	PUNCT
gujaf-36	1	33	faculty	faculty	NOUN
gujaf-36	1	34	of	of	ADP
gujaf-36	1	35	management	management	NOUN
gujaf-36	1	36	and	and	CCONJ
gujaf-36	1	37	social	social	ADJ
gujaf-36	1	38	sciences	science	NOUN
gujaf-36	1	39	,	,	PUNCT
gujaf-36	1	40	federal	federal	ADJ
gujaf-36	1	41	university	university	NOUN
gujaf-36	1	42	gusau	gusau	NOUN
gujaf-36	1	43	,	,	PUNCT
gujaf-36	1	44	zamfara	zamfara	PROPN
gujaf-36	1	45	state	state	PROPN
gujaf-36	1	46	–	–	PUNCT
gujaf-36	1	47	nigeria	nigeria	PROPN
gujaf-36	1	48	gusau	gusau	PROPN
gujaf-36	1	49	journal	journal	PROPN
gujaf-36	1	50	of	of	ADP
gujaf-36	1	51	accounting	accounting	NOUN
gujaf-36	1	52	and	and	CCONJ
gujaf-36	1	53	finance	finance	NOUN
gujaf-36	1	54	,	,	PUNCT
gujaf-36	1	55	vol	vol	NOUN
gujaf-36	1	56	.	.	PUNCT
gujaf-36	2	1	i	i	PRON
gujaf-36	2	2	,	,	PUNCT
gujaf-36	2	3	issue	issue	NOUN
gujaf-36	2	4	2	2	NUM
gujaf-36	2	5	,	,	PUNCT
gujaf-36	2	6	october	october	PROPN
gujaf-36	2	7	,	,	PUNCT
gujaf-36	2	8	2020	2020	NUM
gujaf-36	2	9	1	1	NUM
gujaf-36	2	10	financial	financial	ADJ
gujaf-36	2	11	risk	risk	NOUN
gujaf-36	2	12	and	and	CCONJ
gujaf-36	2	13	profitability	profitability	NOUN
gujaf-36	2	14	of	of	ADP
gujaf-36	2	15	listed	list	VERB
gujaf-36	2	16	deposit	deposit	NOUN
gujaf-36	2	17	money	money	NOUN
gujaf-36	2	18	banks	bank	NOUN
gujaf-36	2	19	in	in	ADP
gujaf-36	2	20	nigeria	nigeria	PROPN
gujaf-36	2	21	:	:	PUNCT
gujaf-36	2	22	moderating	moderate	VERB
gujaf-36	2	23	role	role	NOUN
gujaf-36	2	24	of	of	ADP
gujaf-36	2	25	board	board	NOUN
gujaf-36	2	26	diversity	diversity	NOUN
gujaf-36	2	27	james	james	PROPN
gujaf-36	2	28	george	george	PROPN
gujaf-36	2	29	apochi	apochi	PROPN
gujaf-36	2	30	bursary	bursary	PROPN
gujaf-36	2	31	department	department	PROPN
gujaf-36	2	32	,	,	PUNCT
gujaf-36	2	33	air	air	PROPN
gujaf-36	2	34	force	force	PROPN
gujaf-36	2	35	institute	institute	PROPN
gujaf-36	2	36	of	of	ADP
gujaf-36	2	37	technology	technology	PROPN
gujaf-36	2	38	,	,	PUNCT
gujaf-36	2	39	nigeria	nigeria	PROPN
gujaf-36	2	40	airforce	airforce	PROPN
gujaf-36	2	41	base	base	PROPN
gujaf-36	2	42	,	,	PUNCT
gujaf-36	2	43	kaduna	kaduna	PROPN
gujaf-36	2	44	afitpayoffice2014@gmail.com	afitpayoffice2014@gmail.com	PROPN
gujaf-36	2	45	+2348036455513	+2348036455513	X
gujaf-36	2	46	isiaka	isiaka	PROPN
gujaf-36	2	47	olalekan	olalekan	PROPN
gujaf-36	2	48	lasisi	lasisi	PROPN
gujaf-36	2	49	department	department	PROPN
gujaf-36	2	50	of	of	ADP
gujaf-36	2	51	accounting	accounting	NOUN
gujaf-36	2	52	,	,	PUNCT
gujaf-36	2	53	faculty	faculty	NOUN
gujaf-36	2	54	of	of	ADP
gujaf-36	2	55	social	social	ADJ
gujaf-36	2	56	and	and	CCONJ
gujaf-36	2	57	management	management	NOUN
gujaf-36	2	58	sciences	science	NOUN
gujaf-36	2	59	,	,	PUNCT
gujaf-36	2	60	air	air	NOUN
gujaf-36	2	61	force	force	PROPN
gujaf-36	2	62	institute	institute	PROPN
gujaf-36	2	63	of	of	ADP
gujaf-36	2	64	technology	technology	PROPN
gujaf-36	2	65	,	,	PUNCT
gujaf-36	2	66	nigeria	nigeria	PROPN
gujaf-36	2	67	air	air	PROPN
gujaf-36	2	68	force	force	PROPN
gujaf-36	2	69	base	base	PROPN
gujaf-36	2	70	,	,	PUNCT
gujaf-36	2	71	kaduna	kaduna	PROPN
gujaf-36	2	72	lasmanyk30@gmail.com	lasmanyk30@gmail.com	PROPN
gujaf-36	2	73	,	,	PUNCT
gujaf-36	2	74	+2348037322585	+2348037322585	VERB
gujaf-36	2	75	joshua	joshua	PROPN
gujaf-36	2	76	okpanachi	okpanachi	PROPN
gujaf-36	2	77	,	,	PUNCT
gujaf-36	2	78	phd	phd	PROPN
gujaf-36	2	79	department	department	PROPN
gujaf-36	2	80	of	of	ADP
gujaf-36	2	81	accounting	accounting	NOUN
gujaf-36	2	82	faculty	faculty	NOUN
gujaf-36	2	83	of	of	ADP
gujaf-36	2	84	management	management	NOUN
gujaf-36	2	85	sciences	sciences	PROPN
gujaf-36	2	86	nigeria	nigeria	PROPN
gujaf-36	2	87	defence	defence	PROPN
gujaf-36	2	88	academy	academy	PROPN
gujaf-36	2	89	,	,	PUNCT
gujaf-36	2	90	kaduna	kaduna	PROPN
gujaf-36	2	91	okpasmg82@gmail.com	okpasmg82@gmail.com	X
gujaf-36	2	92	+2348035557958	+2348035557958	X
gujaf-36	2	93	abstract	abstract	VERB
gujaf-36	2	94	the	the	DET
gujaf-36	2	95	financial	financial	ADJ
gujaf-36	2	96	crises	crisis	NOUN
gujaf-36	2	97	experience	experience	NOUN
gujaf-36	2	98	by	by	ADP
gujaf-36	2	99	banking	banking	NOUN
gujaf-36	2	100	sector	sector	NOUN
gujaf-36	2	101	in	in	ADP
gujaf-36	2	102	nigeria	nigeria	PROPN
gujaf-36	2	103	as	as	ADP
gujaf-36	2	104	a	a	DET
gujaf-36	2	105	result	result	NOUN
gujaf-36	2	106	of	of	ADP
gujaf-36	2	107	2009	2009	NUM
gujaf-36	2	108	global	global	ADJ
gujaf-36	2	109	financial	financial	ADJ
gujaf-36	2	110	economic	economic	ADJ
gujaf-36	2	111	meltdown	meltdown	NOUN
gujaf-36	2	112	that	that	PRON
gujaf-36	2	113	have	have	AUX
gujaf-36	2	114	led	lead	VERB
gujaf-36	2	115	to	to	ADP
gujaf-36	2	116	the	the	DET
gujaf-36	2	117	challenges	challenge	NOUN
gujaf-36	2	118	of	of	ADP
gujaf-36	2	119	liquidity	liquidity	NOUN
gujaf-36	2	120	problem	problem	NOUN
gujaf-36	2	121	and	and	CCONJ
gujaf-36	2	122	high	high	ADJ
gujaf-36	2	123	operational	operational	ADJ
gujaf-36	2	124	cost	cost	NOUN
gujaf-36	2	125	to	to	ADP
gujaf-36	2	126	banks	bank	NOUN
gujaf-36	2	127	which	which	PRON
gujaf-36	2	128	have	have	AUX
gujaf-36	2	129	affected	affect	VERB
gujaf-36	2	130	the	the	DET
gujaf-36	2	131	operations	operation	NOUN
gujaf-36	2	132	of	of	ADP
gujaf-36	2	133	businesses	business	NOUN
gujaf-36	2	134	and	and	CCONJ
gujaf-36	2	135	banks	bank	NOUN
gujaf-36	2	136	thereby	thereby	ADV
gujaf-36	2	137	reduce	reduce	VERB
gujaf-36	2	138	their	their	PRON
gujaf-36	2	139	turnover	turnover	NOUN
gujaf-36	2	140	and	and	CCONJ
gujaf-36	2	141	profitability	profitability	NOUN
gujaf-36	2	142	.	.	PUNCT
gujaf-36	3	1	it	it	PRON
gujaf-36	3	2	is	be	AUX
gujaf-36	3	3	against	against	ADP
gujaf-36	3	4	this	this	DET
gujaf-36	3	5	backdrop	backdrop	NOUN
gujaf-36	3	6	that	that	SCONJ
gujaf-36	3	7	this	this	DET
gujaf-36	3	8	study	study	NOUN
gujaf-36	3	9	examines	examine	VERB
gujaf-36	3	10	the	the	DET
gujaf-36	3	11	effect	effect	NOUN
gujaf-36	3	12	of	of	ADP
gujaf-36	3	13	financial	financial	ADJ
gujaf-36	3	14	risk	risk	NOUN
gujaf-36	3	15	and	and	CCONJ
gujaf-36	3	16	profitability	profitability	NOUN
gujaf-36	3	17	with	with	ADP
gujaf-36	3	18	a	a	DET
gujaf-36	3	19	moderating	moderate	VERB
gujaf-36	3	20	role	role	NOUN
gujaf-36	3	21	of	of	ADP
gujaf-36	3	22	board	board	NOUN
gujaf-36	3	23	diversity	diversity	NOUN
gujaf-36	3	24	of	of	ADP
gujaf-36	3	25	listed	list	VERB
gujaf-36	3	26	deposit	deposit	NOUN
gujaf-36	3	27	money	money	NOUN
gujaf-36	3	28	banks	bank	NOUN
gujaf-36	3	29	in	in	ADP
gujaf-36	3	30	nigeria	nigeria	PROPN
gujaf-36	3	31	from	from	ADP
gujaf-36	3	32	the	the	DET
gujaf-36	3	33	period	period	NOUN
gujaf-36	3	34	2010	2010	NUM
gujaf-36	3	35	-	-	SYM
gujaf-36	3	36	2019	2019	NUM
gujaf-36	3	37	.	.	PUNCT
gujaf-36	4	1	the	the	DET
gujaf-36	4	2	census	census	NOUN
gujaf-36	4	3	sampling	sample	VERB
gujaf-36	4	4	technique	technique	NOUN
gujaf-36	4	5	was	be	AUX
gujaf-36	4	6	adopted	adopt	VERB
gujaf-36	4	7	for	for	ADP
gujaf-36	4	8	the	the	DET
gujaf-36	4	9	study	study	NOUN
gujaf-36	4	10	.	.	PUNCT
gujaf-36	5	1	secondary	secondary	ADJ
gujaf-36	5	2	data	datum	NOUN
gujaf-36	5	3	was	be	AUX
gujaf-36	5	4	extracted	extract	VERB
gujaf-36	5	5	from	from	ADP
gujaf-36	5	6	the	the	DET
gujaf-36	5	7	annual	annual	ADJ
gujaf-36	5	8	report	report	NOUN
gujaf-36	5	9	and	and	CCONJ
gujaf-36	5	10	accounts	account	NOUN
gujaf-36	5	11	of	of	ADP
gujaf-36	5	12	the	the	DET
gujaf-36	5	13	sampled	sample	VERB
gujaf-36	5	14	banks	bank	NOUN
gujaf-36	5	15	.	.	PUNCT
gujaf-36	6	1	financial	financial	ADJ
gujaf-36	6	2	risk	risk	NOUN
gujaf-36	6	3	as	as	SCONJ
gujaf-36	6	4	the	the	DET
gujaf-36	6	5	independent	independent	ADJ
gujaf-36	6	6	variable	variable	NOUN
gujaf-36	6	7	was	be	AUX
gujaf-36	6	8	proxied	proxie	VERB
gujaf-36	6	9	with	with	ADP
gujaf-36	6	10	liquidity	liquidity	NOUN
gujaf-36	6	11	risk	risk	NOUN
gujaf-36	6	12	,	,	PUNCT
gujaf-36	6	13	credit	credit	NOUN
gujaf-36	6	14	risk	risk	NOUN
gujaf-36	6	15	,	,	PUNCT
gujaf-36	6	16	operating	operate	VERB
gujaf-36	6	17	risk	risk	NOUN
gujaf-36	6	18	while	while	SCONJ
gujaf-36	6	19	the	the	DET
gujaf-36	6	20	profit	profit	NOUN
gujaf-36	6	21	before	before	ADP
gujaf-36	6	22	tax	tax	NOUN
gujaf-36	6	23	was	be	AUX
gujaf-36	6	24	used	use	VERB
gujaf-36	6	25	to	to	ADP
gujaf-36	6	26	proxy	proxy	ADJ
gujaf-36	6	27	profitability	profitability	NOUN
gujaf-36	6	28	.	.	PUNCT
gujaf-36	7	1	the	the	DET
gujaf-36	7	2	hypotheses	hypothesis	NOUN
gujaf-36	7	3	were	be	AUX
gujaf-36	7	4	stated	state	VERB
gujaf-36	7	5	in	in	ADP
gujaf-36	7	6	a	a	DET
gujaf-36	7	7	null	null	ADJ
gujaf-36	7	8	form	form	NOUN
gujaf-36	7	9	and	and	CCONJ
gujaf-36	7	10	multiple	multiple	ADJ
gujaf-36	7	11	regressions	regression	NOUN
gujaf-36	7	12	were	be	AUX
gujaf-36	7	13	used	use	VERB
gujaf-36	7	14	to	to	PART
gujaf-36	7	15	analysis	analysis	VERB
gujaf-36	7	16	the	the	DET
gujaf-36	7	17	data	datum	NOUN
gujaf-36	7	18	.	.	PUNCT
gujaf-36	8	1	the	the	DET
gujaf-36	8	2	study	study	NOUN
gujaf-36	8	3	adopted	adopt	VERB
gujaf-36	8	4	panel	panel	NOUN
gujaf-36	8	5	corrected	correct	VERB
gujaf-36	8	6	standard	standard	ADJ
gujaf-36	8	7	errors	error	NOUN
gujaf-36	8	8	(	(	PUNCT
gujaf-36	8	9	pcses	pcse	NOUN
gujaf-36	8	10	)	)	PUNCT
gujaf-36	8	11	regression	regression	NOUN
gujaf-36	8	12	model	model	NOUN
gujaf-36	8	13	.	.	PUNCT
gujaf-36	9	1	the	the	DET
gujaf-36	9	2	findings	finding	NOUN
gujaf-36	9	3	of	of	ADP
gujaf-36	9	4	the	the	DET
gujaf-36	9	5	study	study	NOUN
gujaf-36	9	6	documented	document	VERB
gujaf-36	9	7	that	that	SCONJ
gujaf-36	9	8	the	the	DET
gujaf-36	9	9	moderate	moderate	ADJ
gujaf-36	9	10	role	role	NOUN
gujaf-36	9	11	of	of	ADP
gujaf-36	9	12	gender	gender	NOUN
gujaf-36	9	13	diversity	diversity	NOUN
gujaf-36	9	14	revealed	reveal	VERB
gujaf-36	9	15	a	a	DET
gujaf-36	9	16	negative	negative	ADJ
gujaf-36	9	17	and	and	CCONJ
gujaf-36	9	18	significant	significant	ADJ
gujaf-36	9	19	role	role	NOUN
gujaf-36	9	20	on	on	ADP
gujaf-36	9	21	the	the	DET
gujaf-36	9	22	effect	effect	NOUN
gujaf-36	9	23	of	of	ADP
gujaf-36	9	24	credit	credit	NOUN
gujaf-36	9	25	risk	risk	NOUN
gujaf-36	9	26	and	and	CCONJ
gujaf-36	9	27	operation	operation	NOUN
gujaf-36	9	28	risk	risk	NOUN
gujaf-36	9	29	on	on	ADP
gujaf-36	9	30	profitability	profitability	NOUN
gujaf-36	9	31	of	of	ADP
gujaf-36	9	32	listed	list	VERB
gujaf-36	9	33	deposit	deposit	NOUN
gujaf-36	9	34	money	money	NOUN
gujaf-36	9	35	banks	bank	NOUN
gujaf-36	9	36	in	in	ADP
gujaf-36	9	37	nigeria	nigeria	PROPN
gujaf-36	9	38	.	.	PUNCT
gujaf-36	10	1	it	it	PRON
gujaf-36	10	2	is	be	AUX
gujaf-36	10	3	recommended	recommend	VERB
gujaf-36	10	4	among	among	ADP
gujaf-36	10	5	others	other	NOUN
gujaf-36	10	6	that	that	SCONJ
gujaf-36	10	7	the	the	DET
gujaf-36	10	8	banks	bank	NOUN
gujaf-36	10	9	should	should	AUX
gujaf-36	10	10	minimize	minimize	VERB
gujaf-36	10	11	the	the	DET
gujaf-36	10	12	non	non	ADJ
gujaf-36	10	13	-	-	ADJ
gujaf-36	10	14	performing	performing	ADJ
gujaf-36	10	15	loan	loan	NOUN
gujaf-36	10	16	through	through	ADP
gujaf-36	10	17	proper	proper	ADJ
gujaf-36	10	18	implementation	implementation	NOUN
gujaf-36	10	19	of	of	ADP
gujaf-36	10	20	risk	risk	NOUN
gujaf-36	10	21	management	management	NOUN
gujaf-36	10	22	framework	framework	NOUN
gujaf-36	10	23	and	and	CCONJ
gujaf-36	10	24	minimized	minimize	VERB
gujaf-36	10	25	mailto:afitpayoffice2014@gmail.com	mailto:afitpayoffice2014@gmail.com	PROPN
gujaf-36	10	26	mailto:lasmanyk30@gmail.com	mailto:lasmanyk30@gmail.com	PROPN
gujaf-36	10	27	mailto:okpasmg82@gmail.com	mailto:okpasmg82@gmail.com	PROPN
gujaf-36	10	28	gusau	gusau	PROPN
gujaf-36	10	29	journal	journal	PROPN
gujaf-36	10	30	of	of	ADP
gujaf-36	10	31	accounting	accounting	NOUN
gujaf-36	10	32	and	and	CCONJ
gujaf-36	10	33	finance	finance	NOUN
gujaf-36	10	34	,	,	PUNCT
gujaf-36	10	35	vol	vol	NOUN
gujaf-36	10	36	.	.	PUNCT
gujaf-36	11	1	i	i	PRON
gujaf-36	11	2	,	,	PUNCT
gujaf-36	11	3	issue	issue	NOUN
gujaf-36	11	4	2	2	NUM
gujaf-36	11	5	,	,	PUNCT
gujaf-36	11	6	october	october	PROPN
gujaf-36	11	7	,	,	PUNCT
gujaf-36	11	8	2020	2020	NUM
gujaf-36	11	9	2	2	NUM
gujaf-36	11	10	unnecessary	unnecessary	ADJ
gujaf-36	11	11	operating	operating	NOUN
gujaf-36	11	12	expenses	expense	NOUN
gujaf-36	11	13	as	as	SCONJ
gujaf-36	11	14	it	it	PRON
gujaf-36	11	15	have	have	AUX
gujaf-36	11	16	been	be	AUX
gujaf-36	11	17	found	find	VERB
gujaf-36	11	18	empirically	empirically	ADV
gujaf-36	11	19	to	to	PART
gujaf-36	11	20	reduce	reduce	VERB
gujaf-36	11	21	the	the	DET
gujaf-36	11	22	quality	quality	NOUN
gujaf-36	11	23	of	of	ADP
gujaf-36	11	24	the	the	DET
gujaf-36	11	25	bank	bank	NOUN
gujaf-36	11	26	’s	’s	PART
gujaf-36	11	27	profitability	profitability	NOUN
gujaf-36	11	28	and	and	CCONJ
gujaf-36	11	29	cbn	cbn	PROPN
gujaf-36	11	30	should	should	AUX
gujaf-36	11	31	encourage	encourage	VERB
gujaf-36	11	32	banks	bank	NOUN
gujaf-36	11	33	to	to	PART
gujaf-36	11	34	appoint	appoint	VERB
gujaf-36	11	35	female	female	ADJ
gujaf-36	11	36	director	director	NOUN
gujaf-36	11	37	in	in	ADP
gujaf-36	11	38	the	the	DET
gujaf-36	11	39	board	board	NOUN
gujaf-36	11	40	composition	composition	NOUN
gujaf-36	11	41	.	.	PUNCT
gujaf-36	12	1	keywords	keyword	NOUN
gujaf-36	12	2	:	:	PUNCT
gujaf-36	12	3	financial	financial	ADJ
gujaf-36	12	4	risk	risk	NOUN
gujaf-36	12	5	,	,	PUNCT
gujaf-36	12	6	profitability	profitability	NOUN
gujaf-36	12	7	,	,	PUNCT
gujaf-36	12	8	board	board	NOUN
gujaf-36	12	9	diversity	diversity	NOUN
gujaf-36	12	10	,	,	PUNCT
gujaf-36	12	11	dmbs	dmbs	PROPN
gujaf-36	12	12	,	,	PUNCT
gujaf-36	12	13	nigeria	nigeria	PROPN
gujaf-36	12	14	1	1	NUM
gujaf-36	12	15	.	.	PUNCT
gujaf-36	12	16	introduction	introduction	NOUN
gujaf-36	12	17	when	when	SCONJ
gujaf-36	12	18	the	the	DET
gujaf-36	12	19	central	central	ADJ
gujaf-36	12	20	bank	bank	PROPN
gujaf-36	12	21	of	of	ADP
gujaf-36	12	22	nigeria	nigeria	PROPN
gujaf-36	12	23	(	(	PUNCT
gujaf-36	12	24	cbn	cbn	PROPN
gujaf-36	12	25	)	)	PUNCT
gujaf-36	12	26	were	be	AUX
gujaf-36	12	27	drawing	draw	VERB
gujaf-36	12	28	plans	plan	NOUN
gujaf-36	12	29	to	to	PART
gujaf-36	12	30	prevent	prevent	VERB
gujaf-36	12	31	a	a	DET
gujaf-36	12	32	repeat	repeat	NOUN
gujaf-36	12	33	of	of	ADP
gujaf-36	12	34	the	the	DET
gujaf-36	12	35	global	global	ADJ
gujaf-36	12	36	financial	financial	ADJ
gujaf-36	12	37	crisis	crisis	NOUN
gujaf-36	12	38	of	of	ADP
gujaf-36	12	39	2008	2008	NUM
gujaf-36	12	40	through	through	ADP
gujaf-36	12	41	the	the	DET
gujaf-36	12	42	banking	banking	NOUN
gujaf-36	12	43	reforms	reform	NOUN
gujaf-36	12	44	,	,	PUNCT
gujaf-36	12	45	they	they	PRON
gujaf-36	12	46	rightly	rightly	ADV
gujaf-36	12	47	hit	hit	VERB
gujaf-36	12	48	upon	upon	SCONJ
gujaf-36	12	49	the	the	DET
gujaf-36	12	50	idea	idea	NOUN
gujaf-36	12	51	that	that	SCONJ
gujaf-36	12	52	banks	bank	NOUN
gujaf-36	12	53	should	should	AUX
gujaf-36	12	54	hold	hold	VERB
gujaf-36	12	55	substantial	substantial	ADJ
gujaf-36	12	56	buffers	buffer	NOUN
gujaf-36	12	57	in	in	ADP
gujaf-36	12	58	terms	term	NOUN
gujaf-36	12	59	of	of	ADP
gujaf-36	12	60	capital	capital	NOUN
gujaf-36	12	61	and	and	CCONJ
gujaf-36	12	62	liquidity	liquidity	NOUN
gujaf-36	12	63	that	that	PRON
gujaf-36	12	64	would	would	AUX
gujaf-36	12	65	see	see	VERB
gujaf-36	12	66	them	they	PRON
gujaf-36	12	67	survive	survive	VERB
gujaf-36	12	68	whenever	whenever	SCONJ
gujaf-36	12	69	another	another	DET
gujaf-36	12	70	financial	financial	ADJ
gujaf-36	12	71	crisis	crisis	NOUN
gujaf-36	12	72	occurs	occur	VERB
gujaf-36	12	73	.	.	PUNCT
gujaf-36	13	1	the	the	DET
gujaf-36	13	2	asset	asset	NOUN
gujaf-36	13	3	quality	quality	NOUN
gujaf-36	13	4	of	of	ADP
gujaf-36	13	5	deposit	deposit	NOUN
gujaf-36	13	6	money	money	NOUN
gujaf-36	13	7	banks	bank	NOUN
gujaf-36	13	8	in	in	ADP
gujaf-36	13	9	nigeria	nigeria	PROPN
gujaf-36	13	10	can	can	AUX
gujaf-36	13	11	deteriorate	deteriorate	VERB
gujaf-36	13	12	significantly	significantly	ADV
gujaf-36	13	13	depending	depend	VERB
gujaf-36	13	14	on	on	ADP
gujaf-36	13	15	the	the	DET
gujaf-36	13	16	duration	duration	NOUN
gujaf-36	13	17	and	and	CCONJ
gujaf-36	13	18	severity	severity	NOUN
gujaf-36	13	19	of	of	ADP
gujaf-36	13	20	the	the	DET
gujaf-36	13	21	oil	oil	NOUN
gujaf-36	13	22	price	price	NOUN
gujaf-36	13	23	downturn	downturn	NOUN
gujaf-36	13	24	.	.	PUNCT
gujaf-36	14	1	according	accord	VERB
gujaf-36	14	2	to	to	ADP
gujaf-36	14	3	central	central	ADJ
gujaf-36	14	4	bank	bank	PROPN
gujaf-36	14	5	of	of	ADP
gujaf-36	14	6	nigeria	nigeria	PROPN
gujaf-36	14	7	,	,	PUNCT
gujaf-36	14	8	(	(	PUNCT
gujaf-36	14	9	2019	2019	NUM
gujaf-36	14	10	)	)	PUNCT
gujaf-36	14	11	,	,	PUNCT
gujaf-36	14	12	loans	loan	NOUN
gujaf-36	14	13	and	and	CCONJ
gujaf-36	14	14	advances	advance	NOUN
gujaf-36	14	15	in	in	ADP
gujaf-36	14	16	the	the	DET
gujaf-36	14	17	oil	oil	NOUN
gujaf-36	14	18	and	and	CCONJ
gujaf-36	14	19	gas	gas	NOUN
gujaf-36	14	20	sector	sector	NOUN
gujaf-36	14	21	constituted	constitute	VERB
gujaf-36	14	22	about	about	ADV
gujaf-36	14	23	30	30	NUM
gujaf-36	14	24	%	%	NOUN
gujaf-36	14	25	of	of	ADP
gujaf-36	14	26	the	the	DET
gujaf-36	14	27	total	total	ADJ
gujaf-36	14	28	risk	risk	NOUN
gujaf-36	14	29	assets	asset	NOUN
gujaf-36	14	30	in	in	ADP
gujaf-36	14	31	the	the	DET
gujaf-36	14	32	banking	banking	NOUN
gujaf-36	14	33	industry	industry	NOUN
gujaf-36	14	34	as	as	ADP
gujaf-36	14	35	at	at	ADP
gujaf-36	14	36	the	the	DET
gujaf-36	14	37	end	end	NOUN
gujaf-36	14	38	of	of	ADP
gujaf-36	14	39	september	september	PROPN
gujaf-36	14	40	2019	2019	NUM
gujaf-36	14	41	.	.	PUNCT
gujaf-36	15	1	a	a	DET
gujaf-36	15	2	look	look	NOUN
gujaf-36	15	3	at	at	ADP
gujaf-36	15	4	the	the	DET
gujaf-36	15	5	trends	trend	NOUN
gujaf-36	15	6	in	in	ADP
gujaf-36	15	7	2008	2008	NUM
gujaf-36	15	8	-	-	SYM
gujaf-36	15	9	2009	2009	NUM
gujaf-36	15	10	and	and	CCONJ
gujaf-36	15	11	2015	2015	NUM
gujaf-36	15	12	-	-	SYM
gujaf-36	15	13	2016	2016	NUM
gujaf-36	15	14	,	,	PUNCT
gujaf-36	15	15	when	when	SCONJ
gujaf-36	15	16	the	the	DET
gujaf-36	15	17	country	country	NOUN
gujaf-36	15	18	was	be	AUX
gujaf-36	15	19	faced	face	VERB
gujaf-36	15	20	with	with	ADP
gujaf-36	15	21	similar	similar	ADJ
gujaf-36	15	22	circumstance	circumstance	NOUN
gujaf-36	15	23	of	of	ADP
gujaf-36	15	24	low	low	ADJ
gujaf-36	15	25	oil	oil	NOUN
gujaf-36	15	26	prices	price	NOUN
gujaf-36	15	27	,	,	PUNCT
gujaf-36	15	28	showed	show	VERB
gujaf-36	15	29	an	an	DET
gujaf-36	15	30	increase	increase	NOUN
gujaf-36	15	31	in	in	ADP
gujaf-36	15	32	non	non	ADJ
gujaf-36	15	33	-	-	ADJ
gujaf-36	15	34	performing	performing	ADJ
gujaf-36	15	35	loans	loan	NOUN
gujaf-36	15	36	(	(	PUNCT
gujaf-36	15	37	npls	npls	NOUN
gujaf-36	15	38	)	)	PUNCT
gujaf-36	15	39	.	.	PUNCT
gujaf-36	16	1	financial	financial	ADJ
gujaf-36	16	2	risk	risk	NOUN
gujaf-36	16	3	is	be	AUX
gujaf-36	16	4	a	a	DET
gujaf-36	16	5	crucial	crucial	ADJ
gujaf-36	16	6	factor	factor	NOUN
gujaf-36	16	7	which	which	PRON
gujaf-36	16	8	may	may	AUX
gujaf-36	16	9	occur	occur	VERB
gujaf-36	16	10	due	due	ADJ
gujaf-36	16	11	to	to	ADP
gujaf-36	16	12	default	default	NOUN
gujaf-36	16	13	in	in	ADP
gujaf-36	16	14	operational	operational	ADJ
gujaf-36	16	15	activities	activity	NOUN
gujaf-36	16	16	for	for	ADP
gujaf-36	16	17	any	any	DET
gujaf-36	16	18	business	business	NOUN
gujaf-36	16	19	without	without	ADP
gujaf-36	16	20	consent	consent	NOUN
gujaf-36	16	21	to	to	ADP
gujaf-36	16	22	the	the	DET
gujaf-36	16	23	nature	nature	NOUN
gujaf-36	16	24	or	or	CCONJ
gujaf-36	16	25	the	the	DET
gujaf-36	16	26	size	size	NOUN
gujaf-36	16	27	of	of	ADP
gujaf-36	16	28	the	the	DET
gujaf-36	16	29	business	business	NOUN
gujaf-36	16	30	.	.	PUNCT
gujaf-36	17	1	financial	financial	ADJ
gujaf-36	17	2	risk	risk	NOUN
gujaf-36	17	3	is	be	AUX
gujaf-36	17	4	defined	define	VERB
gujaf-36	17	5	as	as	ADP
gujaf-36	17	6	management	management	NOUN
gujaf-36	17	7	of	of	ADP
gujaf-36	17	8	various	various	ADJ
gujaf-36	17	9	internal	internal	ADJ
gujaf-36	17	10	risks	risk	NOUN
gujaf-36	17	11	such	such	ADJ
gujaf-36	17	12	as	as	ADP
gujaf-36	17	13	credit	credit	NOUN
gujaf-36	17	14	risk	risk	NOUN
gujaf-36	17	15	,	,	PUNCT
gujaf-36	17	16	liquidity	liquidity	NOUN
gujaf-36	17	17	risk	risk	NOUN
gujaf-36	17	18	,	,	PUNCT
gujaf-36	17	19	market	market	NOUN
gujaf-36	17	20	risk	risk	NOUN
gujaf-36	17	21	,	,	PUNCT
gujaf-36	17	22	and	and	CCONJ
gujaf-36	17	23	others	other	NOUN
gujaf-36	17	24	risk	risk	VERB
gujaf-36	17	25	that	that	SCONJ
gujaf-36	17	26	the	the	DET
gujaf-36	17	27	company	company	NOUN
gujaf-36	17	28	could	could	AUX
gujaf-36	17	29	face	face	VERB
gujaf-36	17	30	either	either	CCONJ
gujaf-36	17	31	now	now	ADV
gujaf-36	17	32	or	or	CCONJ
gujaf-36	17	33	in	in	ADP
gujaf-36	17	34	the	the	DET
gujaf-36	17	35	future	future	NOUN
gujaf-36	17	36	(	(	PUNCT
gujaf-36	17	37	thompson	thompson	PROPN
gujaf-36	17	38	,	,	PUNCT
gujaf-36	17	39	2019	2019	NUM
gujaf-36	17	40	)	)	PUNCT
gujaf-36	17	41	.	.	PUNCT
gujaf-36	18	1	profitability	profitability	NOUN
gujaf-36	18	2	is	be	AUX
gujaf-36	18	3	usually	usually	ADV
gujaf-36	18	4	measured	measure	VERB
gujaf-36	18	5	by	by	ADP
gujaf-36	18	6	all	all	PRON
gujaf-36	18	7	or	or	CCONJ
gujaf-36	18	8	part	part	NOUN
gujaf-36	18	9	of	of	ADP
gujaf-36	18	10	a	a	DET
gujaf-36	18	11	set	set	NOUN
gujaf-36	18	12	of	of	ADP
gujaf-36	18	13	financial	financial	ADJ
gujaf-36	18	14	ratios	ratio	NOUN
gujaf-36	18	15	.	.	PUNCT
gujaf-36	19	1	key	key	ADJ
gujaf-36	19	2	indicators	indicator	NOUN
gujaf-36	19	3	include	include	VERB
gujaf-36	19	4	the	the	DET
gujaf-36	19	5	profit	profit	NOUN
gujaf-36	19	6	before	before	ADP
gujaf-36	19	7	tax	tax	NOUN
gujaf-36	19	8	,	,	PUNCT
gujaf-36	19	9	profit	profit	NOUN
gujaf-36	19	10	after	after	ADP
gujaf-36	19	11	tax	tax	NOUN
gujaf-36	19	12	,	,	PUNCT
gujaf-36	19	13	return	return	NOUN
gujaf-36	19	14	on	on	ADP
gujaf-36	19	15	equity	equity	NOUN
gujaf-36	19	16	,	,	PUNCT
gujaf-36	19	17	and	and	CCONJ
gujaf-36	19	18	the	the	DET
gujaf-36	19	19	return	return	NOUN
gujaf-36	19	20	on	on	ADP
gujaf-36	19	21	assets	asset	NOUN
gujaf-36	19	22	(	(	PUNCT
gujaf-36	19	23	alzorqan	alzorqan	ADV
gujaf-36	19	24	,	,	PUNCT
gujaf-36	19	25	2014	2014	NUM
gujaf-36	19	26	)	)	PUNCT
gujaf-36	19	27	.	.	PUNCT
gujaf-36	20	1	therefore	therefore	ADV
gujaf-36	20	2	,	,	PUNCT
gujaf-36	20	3	corporate	corporate	ADJ
gujaf-36	20	4	profitability	profitability	NOUN
gujaf-36	20	5	is	be	AUX
gujaf-36	20	6	the	the	DET
gujaf-36	20	7	measurement	measurement	NOUN
gujaf-36	20	8	of	of	ADP
gujaf-36	20	9	firm	firm	ADJ
gujaf-36	20	10	performance	performance	NOUN
gujaf-36	20	11	and	and	CCONJ
gujaf-36	20	12	the	the	DET
gujaf-36	20	13	banks	bank	NOUN
gujaf-36	20	14	business	business	NOUN
gujaf-36	20	15	stability	stability	NOUN
gujaf-36	20	16	and	and	CCONJ
gujaf-36	20	17	growth	growth	NOUN
gujaf-36	20	18	trends	trend	NOUN
gujaf-36	20	19	are	be	AUX
gujaf-36	20	20	the	the	DET
gujaf-36	20	21	best	good	ADJ
gujaf-36	20	22	summary	summary	NOUN
gujaf-36	20	23	indicators	indicator	NOUN
gujaf-36	20	24	of	of	ADP
gujaf-36	20	25	a	a	DET
gujaf-36	20	26	bank	bank	NOUN
gujaf-36	20	27	's	's	PART
gujaf-36	20	28	profitability	profitability	NOUN
gujaf-36	20	29	in	in	ADP
gujaf-36	20	30	both	both	CCONJ
gujaf-36	20	31	the	the	DET
gujaf-36	20	32	present	present	NOUN
gujaf-36	20	33	and	and	CCONJ
gujaf-36	20	34	the	the	DET
gujaf-36	20	35	future	future	NOUN
gujaf-36	20	36	.	.	PUNCT
gujaf-36	21	1	the	the	DET
gujaf-36	21	2	relationship	relationship	NOUN
gujaf-36	21	3	between	between	ADP
gujaf-36	21	4	financial	financial	ADJ
gujaf-36	21	5	risk	risk	NOUN
gujaf-36	21	6	and	and	CCONJ
gujaf-36	21	7	profitability	profitability	NOUN
gujaf-36	21	8	has	have	VERB
gujaf-36	21	9	to	to	PART
gujaf-36	21	10	be	be	AUX
gujaf-36	21	11	managed	manage	VERB
gujaf-36	21	12	in	in	ADP
gujaf-36	21	13	order	order	NOUN
gujaf-36	21	14	to	to	PART
gujaf-36	21	15	create	create	VERB
gujaf-36	21	16	better	well	ADJ
gujaf-36	21	17	returns	return	NOUN
gujaf-36	21	18	to	to	ADP
gujaf-36	21	19	the	the	DET
gujaf-36	21	20	investors	investor	NOUN
gujaf-36	21	21	and	and	CCONJ
gujaf-36	21	22	expected	expect	VERB
gujaf-36	21	23	with	with	ADP
gujaf-36	21	24	the	the	DET
gujaf-36	21	25	risk	risk	NOUN
gujaf-36	21	26	they	they	PRON
gujaf-36	21	27	are	be	AUX
gujaf-36	21	28	bearing	bear	VERB
gujaf-36	21	29	(	(	PUNCT
gujaf-36	21	30	yahaya	yahaya	NOUN
gujaf-36	21	31	,	,	PUNCT
gujaf-36	21	32	limidi	limidi	NOUN
gujaf-36	21	33	,	,	PUNCT
gujaf-36	21	34	&	&	CCONJ
gujaf-36	21	35	kutigi	kutigi	PROPN
gujaf-36	21	36	,	,	PUNCT
gujaf-36	21	37	&	&	CCONJ
gujaf-36	21	38	ahmed	ahmed	PROPN
gujaf-36	21	39	,	,	PUNCT
gujaf-36	21	40	2015	2015	NUM
gujaf-36	21	41	)	)	PUNCT
gujaf-36	21	42	.	.	PUNCT
gujaf-36	22	1	furthermore	furthermore	ADV
gujaf-36	22	2	,	,	PUNCT
gujaf-36	22	3	an	an	DET
gujaf-36	22	4	unproductive	unproductive	ADJ
gujaf-36	22	5	and	and	CCONJ
gujaf-36	22	6	inappropriate	inappropriate	ADJ
gujaf-36	22	7	bank	bank	NOUN
gujaf-36	22	8	risk	risk	NOUN
gujaf-36	22	9	may	may	AUX
gujaf-36	22	10	lead	lead	VERB
gujaf-36	22	11	to	to	ADP
gujaf-36	22	12	financial	financial	ADJ
gujaf-36	22	13	complexities	complexity	NOUN
gujaf-36	22	14	and	and	CCONJ
gujaf-36	22	15	subsequently	subsequently	ADV
gujaf-36	22	16	to	to	ADP
gujaf-36	22	17	banking	banking	NOUN
gujaf-36	22	18	crisis	crisis	NOUN
gujaf-36	22	19	.	.	PUNCT
gujaf-36	23	1	gusau	gusau	PROPN
gujaf-36	23	2	journal	journal	PROPN
gujaf-36	23	3	of	of	ADP
gujaf-36	23	4	accounting	accounting	NOUN
gujaf-36	23	5	and	and	CCONJ
gujaf-36	23	6	finance	finance	NOUN
gujaf-36	23	7	,	,	PUNCT
gujaf-36	23	8	vol	vol	NOUN
gujaf-36	23	9	.	.	PUNCT
gujaf-36	24	1	i	i	PRON
gujaf-36	24	2	,	,	PUNCT
gujaf-36	24	3	issue	issue	NOUN
gujaf-36	24	4	2	2	NUM
gujaf-36	24	5	,	,	PUNCT
gujaf-36	24	6	october	october	PROPN
gujaf-36	24	7	,	,	PUNCT
gujaf-36	24	8	2020	2020	NUM
gujaf-36	24	9	3	3	NUM
gujaf-36	24	10	nigerian	nigerian	ADJ
gujaf-36	24	11	financial	financial	ADJ
gujaf-36	24	12	sector	sector	NOUN
gujaf-36	24	13	has	have	AUX
gujaf-36	24	14	been	be	AUX
gujaf-36	24	15	undergoing	undergo	VERB
gujaf-36	24	16	series	series	NOUN
gujaf-36	24	17	of	of	ADP
gujaf-36	24	18	reforms	reform	NOUN
gujaf-36	24	19	due	due	ADJ
gujaf-36	24	20	to	to	ADP
gujaf-36	24	21	bad	bad	ADJ
gujaf-36	24	22	corporate	corporate	ADJ
gujaf-36	24	23	governance	governance	NOUN
gujaf-36	24	24	practices	practice	NOUN
gujaf-36	24	25	and	and	CCONJ
gujaf-36	24	26	a	a	DET
gujaf-36	24	27	suspicion	suspicion	NOUN
gujaf-36	24	28	of	of	ADP
gujaf-36	24	29	fraudulent	fraudulent	ADJ
gujaf-36	24	30	activity	activity	NOUN
gujaf-36	24	31	(	(	PUNCT
gujaf-36	24	32	cbn	cbn	PROPN
gujaf-36	24	33	,	,	PUNCT
gujaf-36	24	34	2010	2010	NUM
gujaf-36	24	35	)	)	PUNCT
gujaf-36	24	36	.	.	PUNCT
gujaf-36	25	1	more	more	ADV
gujaf-36	25	2	so	so	ADV
gujaf-36	25	3	,	,	PUNCT
gujaf-36	25	4	many	many	ADJ
gujaf-36	25	5	of	of	ADP
gujaf-36	25	6	the	the	DET
gujaf-36	25	7	banks	bank	NOUN
gujaf-36	25	8	have	have	AUX
gujaf-36	25	9	not	not	PART
gujaf-36	25	10	been	be	AUX
gujaf-36	25	11	able	able	ADJ
gujaf-36	25	12	to	to	PART
gujaf-36	25	13	establish	establish	VERB
gujaf-36	25	14	strong	strong	ADJ
gujaf-36	25	15	financial	financial	ADJ
gujaf-36	25	16	risk	risk	NOUN
gujaf-36	25	17	management	management	NOUN
gujaf-36	25	18	framework	framework	NOUN
gujaf-36	25	19	,	,	PUNCT
gujaf-36	25	20	particularly	particularly	ADV
gujaf-36	25	21	credit	credit	NOUN
gujaf-36	25	22	risk	risk	NOUN
gujaf-36	25	23	management	management	NOUN
gujaf-36	25	24	in	in	ADP
gujaf-36	25	25	order	order	NOUN
gujaf-36	25	26	to	to	PART
gujaf-36	25	27	prevent	prevent	VERB
gujaf-36	25	28	unfavourable	unfavourable	ADJ
gujaf-36	25	29	events	event	NOUN
gujaf-36	25	30	(	(	PUNCT
gujaf-36	25	31	cbn	cbn	PROPN
gujaf-36	25	32	,	,	PUNCT
gujaf-36	25	33	2010	2010	NUM
gujaf-36	25	34	)	)	PUNCT
gujaf-36	25	35	.	.	PUNCT
gujaf-36	26	1	furthermore	furthermore	ADV
gujaf-36	26	2	,	,	PUNCT
gujaf-36	26	3	the	the	DET
gujaf-36	26	4	full	full	ADJ
gujaf-36	26	5	implementation	implementation	NOUN
gujaf-36	26	6	of	of	ADP
gujaf-36	26	7	treasury	treasury	PROPN
gujaf-36	26	8	single	single	ADJ
gujaf-36	26	9	account	account	NOUN
gujaf-36	26	10	(	(	PUNCT
gujaf-36	26	11	tsa	tsa	NOUN
gujaf-36	26	12	)	)	PUNCT
gujaf-36	26	13	policy	policy	NOUN
gujaf-36	26	14	in	in	ADP
gujaf-36	26	15	2015	2015	NUM
gujaf-36	26	16	by	by	ADP
gujaf-36	26	17	the	the	DET
gujaf-36	26	18	nigerian	nigerian	ADJ
gujaf-36	26	19	government	government	NOUN
gujaf-36	26	20	resulted	result	VERB
gujaf-36	26	21	in	in	ADP
gujaf-36	26	22	decrease	decrease	NOUN
gujaf-36	26	23	in	in	ADP
gujaf-36	26	24	liquidity	liquidity	NOUN
gujaf-36	26	25	position	position	NOUN
gujaf-36	26	26	of	of	ADP
gujaf-36	26	27	banks	bank	NOUN
gujaf-36	26	28	in	in	ADP
gujaf-36	26	29	nigeria	nigeria	PROPN
gujaf-36	26	30	,	,	PUNCT
gujaf-36	26	31	thus	thus	ADV
gujaf-36	26	32	prone	prone	ADJ
gujaf-36	26	33	banks	bank	NOUN
gujaf-36	26	34	to	to	ADP
gujaf-36	26	35	liquidity	liquidity	NOUN
gujaf-36	26	36	risk	risk	NOUN
gujaf-36	26	37	thereby	thereby	ADV
gujaf-36	26	38	negatively	negatively	ADV
gujaf-36	26	39	affected	affect	VERB
gujaf-36	26	40	the	the	DET
gujaf-36	26	41	amount	amount	NOUN
gujaf-36	26	42	of	of	ADP
gujaf-36	26	43	loan	loan	NOUN
gujaf-36	26	44	to	to	ADP
gujaf-36	26	45	customer	customer	NOUN
gujaf-36	26	46	.	.	PUNCT
gujaf-36	27	1	the	the	DET
gujaf-36	27	2	study	study	NOUN
gujaf-36	27	3	intends	intend	VERB
gujaf-36	27	4	to	to	PART
gujaf-36	27	5	establish	establish	VERB
gujaf-36	27	6	whether	whether	SCONJ
gujaf-36	27	7	board	board	NOUN
gujaf-36	27	8	diversity	diversity	NOUN
gujaf-36	27	9	amongst	amongst	ADP
gujaf-36	27	10	board	board	NOUN
gujaf-36	27	11	members	member	NOUN
gujaf-36	27	12	can	can	AUX
gujaf-36	27	13	moderate	moderate	VERB
gujaf-36	27	14	financial	financial	ADJ
gujaf-36	27	15	risk	risk	NOUN
gujaf-36	27	16	on	on	ADP
gujaf-36	27	17	profitability	profitability	NOUN
gujaf-36	27	18	of	of	ADP
gujaf-36	27	19	listed	list	VERB
gujaf-36	27	20	deposit	deposit	NOUN
gujaf-36	27	21	money	money	NOUN
gujaf-36	27	22	banks	bank	NOUN
gujaf-36	27	23	.	.	PUNCT
gujaf-36	28	1	in	in	ADP
gujaf-36	28	2	general	general	ADJ
gujaf-36	28	3	,	,	PUNCT
gujaf-36	28	4	previous	previous	ADJ
gujaf-36	28	5	studies	study	NOUN
gujaf-36	28	6	have	have	AUX
gujaf-36	28	7	relied	rely	VERB
gujaf-36	28	8	on	on	ADP
gujaf-36	28	9	limited	limited	ADJ
gujaf-36	28	10	data	data	NOUN
gujaf-36	28	11	sets	set	NOUN
gujaf-36	28	12	and	and	CCONJ
gujaf-36	28	13	no	no	DET
gujaf-36	28	14	empirical	empirical	ADJ
gujaf-36	28	15	studies	study	NOUN
gujaf-36	28	16	has	have	AUX
gujaf-36	28	17	adopted	adopt	VERB
gujaf-36	28	18	board	board	NOUN
gujaf-36	28	19	diversity	diversity	NOUN
gujaf-36	28	20	as	as	ADP
gujaf-36	28	21	analytical	analytical	ADJ
gujaf-36	28	22	methodologies	methodology	NOUN
gujaf-36	28	23	to	to	PART
gujaf-36	28	24	moderate	moderate	VERB
gujaf-36	28	25	the	the	DET
gujaf-36	28	26	effect	effect	NOUN
gujaf-36	28	27	of	of	ADP
gujaf-36	28	28	financial	financial	ADJ
gujaf-36	28	29	risk	risk	NOUN
gujaf-36	28	30	on	on	ADP
gujaf-36	28	31	profitability	profitability	NOUN
gujaf-36	28	32	.	.	PUNCT
gujaf-36	29	1	therefore	therefore	ADV
gujaf-36	29	2	,	,	PUNCT
gujaf-36	29	3	it	it	PRON
gujaf-36	29	4	is	be	AUX
gujaf-36	29	5	against	against	ADP
gujaf-36	29	6	this	this	DET
gujaf-36	29	7	background	background	NOUN
gujaf-36	29	8	that	that	SCONJ
gujaf-36	29	9	this	this	DET
gujaf-36	29	10	study	study	NOUN
gujaf-36	29	11	examined	examine	VERB
gujaf-36	29	12	the	the	DET
gujaf-36	29	13	effect	effect	NOUN
gujaf-36	29	14	of	of	ADP
gujaf-36	29	15	financial	financial	ADJ
gujaf-36	29	16	risk	risk	NOUN
gujaf-36	29	17	on	on	ADP
gujaf-36	29	18	profitability	profitability	NOUN
gujaf-36	29	19	of	of	ADP
gujaf-36	29	20	listed	list	VERB
gujaf-36	29	21	deposit	deposit	NOUN
gujaf-36	29	22	money	money	NOUN
gujaf-36	29	23	banks	bank	NOUN
gujaf-36	29	24	in	in	ADP
gujaf-36	29	25	nigeria	nigeria	PROPN
gujaf-36	29	26	as	as	SCONJ
gujaf-36	29	27	moderated	moderate	VERB
gujaf-36	29	28	by	by	ADP
gujaf-36	29	29	board	board	NOUN
gujaf-36	29	30	diversity	diversity	NOUN
gujaf-36	29	31	.	.	PUNCT
gujaf-36	30	1	the	the	DET
gujaf-36	30	2	focus	focus	NOUN
gujaf-36	30	3	of	of	ADP
gujaf-36	30	4	financial	financial	ADJ
gujaf-36	30	5	risk	risk	NOUN
gujaf-36	30	6	in	in	ADP
gujaf-36	30	7	quantitative	quantitative	ADJ
gujaf-36	30	8	view	view	NOUN
gujaf-36	30	9	lies	lie	VERB
gujaf-36	30	10	on	on	ADP
gujaf-36	30	11	improving	improve	VERB
gujaf-36	30	12	the	the	DET
gujaf-36	30	13	measurement	measurement	NOUN
gujaf-36	30	14	of	of	ADP
gujaf-36	30	15	specific	specific	ADJ
gujaf-36	30	16	risks	risk	NOUN
gujaf-36	30	17	such	such	ADJ
gujaf-36	30	18	as	as	ADP
gujaf-36	30	19	liquidity	liquidity	NOUN
gujaf-36	30	20	risk	risk	NOUN
gujaf-36	30	21	,	,	PUNCT
gujaf-36	30	22	credit	credit	NOUN
gujaf-36	30	23	risks	risk	NOUN
gujaf-36	30	24	,	,	PUNCT
gujaf-36	30	25	and	and	CCONJ
gujaf-36	30	26	operational	operational	ADJ
gujaf-36	30	27	risk	risk	NOUN
gujaf-36	30	28	.	.	PUNCT
gujaf-36	31	1	in	in	ADP
gujaf-36	31	2	view	view	NOUN
gujaf-36	31	3	of	of	ADP
gujaf-36	31	4	this	this	PRON
gujaf-36	31	5	,	,	PUNCT
gujaf-36	31	6	the	the	DET
gujaf-36	31	7	research	research	NOUN
gujaf-36	31	8	question	question	NOUN
gujaf-36	31	9	can	can	AUX
gujaf-36	31	10	be	be	AUX
gujaf-36	31	11	summarized	summarize	VERB
gujaf-36	31	12	on	on	ADP
gujaf-36	31	13	how	how	SCONJ
gujaf-36	31	14	does	do	AUX
gujaf-36	31	15	board	board	NOUN
gujaf-36	31	16	diversity	diversity	NOUN
gujaf-36	31	17	moderate	moderate	VERB
gujaf-36	31	18	the	the	DET
gujaf-36	31	19	effect	effect	NOUN
gujaf-36	31	20	of	of	ADP
gujaf-36	31	21	financial	financial	ADJ
gujaf-36	31	22	risks	risk	NOUN
gujaf-36	31	23	on	on	ADP
gujaf-36	31	24	profitability	profitability	NOUN
gujaf-36	31	25	of	of	ADP
gujaf-36	31	26	listed	list	VERB
gujaf-36	31	27	deposit	deposit	NOUN
gujaf-36	31	28	money	money	NOUN
gujaf-36	31	29	bank	bank	NOUN
gujaf-36	31	30	in	in	ADP
gujaf-36	31	31	nigeria	nigeria	PROPN
gujaf-36	31	32	?	?	PUNCT
gujaf-36	32	1	furthermore	furthermore	ADV
gujaf-36	32	2	,	,	PUNCT
gujaf-36	32	3	the	the	DET
gujaf-36	32	4	objective	objective	NOUN
gujaf-36	32	5	of	of	ADP
gujaf-36	32	6	the	the	DET
gujaf-36	32	7	study	study	NOUN
gujaf-36	32	8	is	be	AUX
gujaf-36	32	9	to	to	PART
gujaf-36	32	10	examine	examine	VERB
gujaf-36	32	11	the	the	DET
gujaf-36	32	12	effect	effect	NOUN
gujaf-36	32	13	of	of	ADP
gujaf-36	32	14	financial	financial	ADJ
gujaf-36	32	15	risk	risk	NOUN
gujaf-36	32	16	on	on	ADP
gujaf-36	32	17	profitability	profitability	NOUN
gujaf-36	32	18	:	:	PUNCT
gujaf-36	32	19	moderated	moderate	VERB
gujaf-36	32	20	by	by	ADP
gujaf-36	32	21	board	board	NOUN
gujaf-36	32	22	diversity	diversity	NOUN
gujaf-36	32	23	of	of	ADP
gujaf-36	32	24	deposit	deposit	NOUN
gujaf-36	32	25	money	money	NOUN
gujaf-36	32	26	banks	bank	NOUN
gujaf-36	32	27	in	in	ADP
gujaf-36	32	28	nigeria	nigeria	PROPN
gujaf-36	32	29	.	.	PUNCT
gujaf-36	33	1	in	in	ADP
gujaf-36	33	2	order	order	NOUN
gujaf-36	33	3	to	to	PART
gujaf-36	33	4	achieve	achieve	VERB
gujaf-36	33	5	the	the	DET
gujaf-36	33	6	research	research	NOUN
gujaf-36	33	7	objectives	objective	NOUN
gujaf-36	33	8	,	,	PUNCT
gujaf-36	33	9	the	the	DET
gujaf-36	33	10	hypotheses	hypothesis	NOUN
gujaf-36	33	11	in	in	ADP
gujaf-36	33	12	null	null	ADJ
gujaf-36	33	13	form	form	NOUN
gujaf-36	33	14	shall	shall	AUX
gujaf-36	33	15	be	be	AUX
gujaf-36	33	16	tested	test	VERB
gujaf-36	33	17	in	in	ADP
gujaf-36	33	18	this	this	DET
gujaf-36	33	19	study	study	NOUN
gujaf-36	33	20	;	;	PUNCT
gujaf-36	33	21	board	board	NOUN
gujaf-36	33	22	diversity	diversity	NOUN
gujaf-36	33	23	has	have	VERB
gujaf-36	33	24	no	no	DET
gujaf-36	33	25	significant	significant	ADJ
gujaf-36	33	26	moderating	moderate	VERB
gujaf-36	33	27	role	role	NOUN
gujaf-36	33	28	on	on	ADP
gujaf-36	33	29	the	the	DET
gujaf-36	33	30	effect	effect	NOUN
gujaf-36	33	31	of	of	ADP
gujaf-36	33	32	financial	financial	ADJ
gujaf-36	33	33	risk	risk	NOUN
gujaf-36	33	34	on	on	ADP
gujaf-36	33	35	profitability	profitability	NOUN
gujaf-36	33	36	of	of	ADP
gujaf-36	33	37	listed	list	VERB
gujaf-36	33	38	deposit	deposit	NOUN
gujaf-36	33	39	money	money	NOUN
gujaf-36	33	40	banks	bank	NOUN
gujaf-36	33	41	in	in	ADP
gujaf-36	33	42	nigeria	nigeria	PROPN
gujaf-36	33	43	.	.	PUNCT
gujaf-36	34	1	2	2	X
gujaf-36	34	2	.	.	X
gujaf-36	34	3	review	review	NOUN
gujaf-36	34	4	of	of	ADP
gujaf-36	34	5	previous	previous	ADJ
gujaf-36	34	6	related	related	ADJ
gujaf-36	34	7	studies	study	NOUN
gujaf-36	34	8	profitability	profitability	NOUN
gujaf-36	34	9	is	be	AUX
gujaf-36	34	10	referred	refer	VERB
gujaf-36	34	11	to	to	ADP
gujaf-36	34	12	as	as	ADP
gujaf-36	34	13	the	the	DET
gujaf-36	34	14	earning	earn	VERB
gujaf-36	34	15	power	power	NOUN
gujaf-36	34	16	of	of	ADP
gujaf-36	34	17	a	a	DET
gujaf-36	34	18	firm	firm	NOUN
gujaf-36	34	19	.	.	PUNCT
gujaf-36	35	1	it	it	PRON
gujaf-36	35	2	is	be	AUX
gujaf-36	35	3	a	a	DET
gujaf-36	35	4	crucial	crucial	ADJ
gujaf-36	35	5	element	element	NOUN
gujaf-36	35	6	of	of	ADP
gujaf-36	35	7	the	the	DET
gujaf-36	35	8	bank	bank	NOUN
gujaf-36	35	9	’s	’s	NOUN
gujaf-36	35	10	toward	toward	ADP
gujaf-36	35	11	achieving	achieve	VERB
gujaf-36	35	12	returns	return	NOUN
gujaf-36	35	13	to	to	ADP
gujaf-36	35	14	shareholders	shareholder	NOUN
gujaf-36	35	15	.	.	PUNCT
gujaf-36	36	1	however	however	ADV
gujaf-36	36	2	,	,	PUNCT
gujaf-36	36	3	the	the	DET
gujaf-36	36	4	soundness	soundness	NOUN
gujaf-36	36	5	of	of	ADP
gujaf-36	36	6	a	a	DET
gujaf-36	36	7	banking	banking	NOUN
gujaf-36	36	8	system	system	NOUN
gujaf-36	36	9	is	be	AUX
gujaf-36	36	10	a	a	DET
gujaf-36	36	11	crucial	crucial	ADJ
gujaf-36	36	12	pillar	pillar	NOUN
gujaf-36	36	13	for	for	ADP
gujaf-36	36	14	profitability	profitability	NOUN
gujaf-36	36	15	and	and	CCONJ
gujaf-36	36	16	considered	consider	VERB
gujaf-36	36	17	as	as	ADP
gujaf-36	36	18	an	an	DET
gujaf-36	36	19	essential	essential	ADJ
gujaf-36	36	20	mechanism	mechanism	NOUN
gujaf-36	36	21	for	for	ADP
gujaf-36	36	22	economic	economic	ADJ
gujaf-36	36	23	development	development	NOUN
gujaf-36	36	24	(	(	PUNCT
gujaf-36	36	25	abdelaziz	abdelaziz	PROPN
gujaf-36	36	26	hakimi	hakimi	PROPN
gujaf-36	36	27	&	&	CCONJ
gujaf-36	36	28	khemais	khemais	PROPN
gujaf-36	36	29	,	,	PUNCT
gujaf-36	36	30	2017	2017	NUM
gujaf-36	36	31	)	)	PUNCT
gujaf-36	36	32	.	.	PUNCT
gujaf-36	37	1	a	a	DET
gujaf-36	37	2	good	good	ADJ
gujaf-36	37	3	performance	performance	NOUN
gujaf-36	37	4	bank	bank	NOUN
gujaf-36	37	5	can	can	AUX
gujaf-36	37	6	generate	generate	VERB
gujaf-36	37	7	more	more	ADJ
gujaf-36	37	8	profits	profit	NOUN
gujaf-36	37	9	which	which	PRON
gujaf-36	37	10	can	can	AUX
gujaf-36	37	11	lead	lead	VERB
gujaf-36	37	12	to	to	ADP
gujaf-36	37	13	future	future	ADJ
gujaf-36	37	14	investment	investment	NOUN
gujaf-36	37	15	.	.	PUNCT
gujaf-36	38	1	gusau	gusau	PROPN
gujaf-36	38	2	journal	journal	PROPN
gujaf-36	38	3	of	of	ADP
gujaf-36	38	4	accounting	accounting	NOUN
gujaf-36	38	5	and	and	CCONJ
gujaf-36	38	6	finance	finance	NOUN
gujaf-36	38	7	,	,	PUNCT
gujaf-36	38	8	vol	vol	NOUN
gujaf-36	38	9	.	.	PUNCT
gujaf-36	39	1	i	i	PRON
gujaf-36	39	2	,	,	PUNCT
gujaf-36	39	3	issue	issue	NOUN
gujaf-36	39	4	2	2	NUM
gujaf-36	39	5	,	,	PUNCT
gujaf-36	39	6	october	october	PROPN
gujaf-36	39	7	,	,	PUNCT
gujaf-36	39	8	2020	2020	NUM
gujaf-36	39	9	4	4	NUM
gujaf-36	39	10	financial	financial	ADJ
gujaf-36	39	11	risk	risk	NOUN
gujaf-36	39	12	occurs	occur	VERB
gujaf-36	39	13	as	as	ADP
gujaf-36	39	14	a	a	DET
gujaf-36	39	15	result	result	NOUN
gujaf-36	39	16	of	of	ADP
gujaf-36	39	17	uncertainties	uncertainty	NOUN
gujaf-36	39	18	of	of	ADP
gujaf-36	39	19	loans	loan	NOUN
gujaf-36	39	20	defaults	default	NOUN
gujaf-36	39	21	,	,	PUNCT
gujaf-36	39	22	liquidity	liquidity	NOUN
gujaf-36	39	23	management	management	NOUN
gujaf-36	39	24	,	,	PUNCT
gujaf-36	39	25	volatility	volatility	NOUN
gujaf-36	39	26	of	of	ADP
gujaf-36	39	27	interest	interest	NOUN
gujaf-36	39	28	rate	rate	NOUN
gujaf-36	39	29	and	and	CCONJ
gujaf-36	39	30	changes	change	NOUN
gujaf-36	39	31	in	in	ADP
gujaf-36	39	32	foreign	foreign	ADJ
gujaf-36	39	33	currency	currency	NOUN
gujaf-36	39	34	rates	rate	NOUN
gujaf-36	39	35	(	(	PUNCT
gujaf-36	39	36	zhongming	zhongming	NOUN
gujaf-36	39	37	&	&	CCONJ
gujaf-36	39	38	frimpong	frimpong	PROPN
gujaf-36	39	39	,	,	PUNCT
gujaf-36	39	40	2019	2019	NUM
gujaf-36	39	41	)	)	PUNCT
gujaf-36	39	42	financial	financial	ADJ
gujaf-36	39	43	risk	risk	NOUN
gujaf-36	39	44	play	play	VERB
gujaf-36	39	45	an	an	DET
gujaf-36	39	46	important	important	ADJ
gujaf-36	39	47	role	role	NOUN
gujaf-36	39	48	in	in	ADP
gujaf-36	39	49	determining	determine	VERB
gujaf-36	39	50	the	the	DET
gujaf-36	39	51	overall	overall	ADJ
gujaf-36	39	52	profitability	profitability	NOUN
gujaf-36	39	53	of	of	ADP
gujaf-36	39	54	banks	bank	NOUN
gujaf-36	39	55	.	.	PUNCT
gujaf-36	40	1	financial	financial	ADJ
gujaf-36	40	2	risk	risk	NOUN
gujaf-36	40	3	is	be	AUX
gujaf-36	40	4	the	the	DET
gujaf-36	40	5	variable	variable	NOUN
gujaf-36	40	6	that	that	PRON
gujaf-36	40	7	would	would	AUX
gujaf-36	40	8	be	be	AUX
gujaf-36	40	9	used	use	VERB
gujaf-36	40	10	in	in	ADP
gujaf-36	40	11	this	this	DET
gujaf-36	40	12	study	study	NOUN
gujaf-36	40	13	includes	include	VERB
gujaf-36	40	14	liquidity	liquidity	NOUN
gujaf-36	40	15	risk	risk	NOUN
gujaf-36	40	16	,	,	PUNCT
gujaf-36	40	17	credit	credit	NOUN
gujaf-36	40	18	risk	risk	NOUN
gujaf-36	40	19	and	and	CCONJ
gujaf-36	40	20	operational	operational	ADJ
gujaf-36	40	21	risk	risk	NOUN
gujaf-36	40	22	.	.	PUNCT
gujaf-36	41	1	the	the	DET
gujaf-36	41	2	justification	justification	NOUN
gujaf-36	41	3	for	for	ADP
gujaf-36	41	4	the	the	DET
gujaf-36	41	5	selection	selection	NOUN
gujaf-36	41	6	of	of	ADP
gujaf-36	41	7	the	the	DET
gujaf-36	41	8	three	three	NUM
gujaf-36	41	9	financial	financial	ADJ
gujaf-36	41	10	risk	risk	NOUN
gujaf-36	41	11	characteristics	characteristic	NOUN
gujaf-36	41	12	is	be	AUX
gujaf-36	41	13	because	because	SCONJ
gujaf-36	41	14	they	they	PRON
gujaf-36	41	15	form	form	VERB
gujaf-36	41	16	part	part	NOUN
gujaf-36	41	17	of	of	ADP
gujaf-36	41	18	the	the	DET
gujaf-36	41	19	daily	daily	ADJ
gujaf-36	41	20	operational	operational	ADJ
gujaf-36	41	21	activities	activity	NOUN
gujaf-36	41	22	of	of	ADP
gujaf-36	41	23	the	the	DET
gujaf-36	41	24	banks	bank	NOUN
gujaf-36	41	25	and	and	CCONJ
gujaf-36	41	26	it	it	PRON
gujaf-36	41	27	has	have	AUX
gujaf-36	41	28	been	be	AUX
gujaf-36	41	29	empirically	empirically	ADV
gujaf-36	41	30	proven	prove	VERB
gujaf-36	41	31	that	that	SCONJ
gujaf-36	41	32	the	the	DET
gujaf-36	41	33	financial	financial	ADJ
gujaf-36	41	34	risk	risk	NOUN
gujaf-36	41	35	determines	determine	VERB
gujaf-36	41	36	the	the	DET
gujaf-36	41	37	profitability	profitability	NOUN
gujaf-36	41	38	of	of	ADP
gujaf-36	41	39	the	the	DET
gujaf-36	41	40	banks	bank	NOUN
gujaf-36	41	41	.	.	PUNCT
gujaf-36	42	1	more	more	ADV
gujaf-36	42	2	so	so	ADV
gujaf-36	42	3	,	,	PUNCT
gujaf-36	42	4	they	they	PRON
gujaf-36	42	5	variable	variable	ADJ
gujaf-36	42	6	are	be	AUX
gujaf-36	42	7	contain	contain	VERB
gujaf-36	42	8	in	in	ADP
gujaf-36	42	9	the	the	DET
gujaf-36	42	10	financial	financial	ADJ
gujaf-36	42	11	statement	statement	NOUN
gujaf-36	42	12	of	of	ADP
gujaf-36	42	13	the	the	DET
gujaf-36	42	14	banks	bank	NOUN
gujaf-36	42	15	.	.	PUNCT
gujaf-36	43	1	liquidity	liquidity	NOUN
gujaf-36	43	2	risk	risk	NOUN
gujaf-36	43	3	is	be	AUX
gujaf-36	43	4	define	define	VERB
gujaf-36	43	5	as	as	ADP
gujaf-36	43	6	the	the	DET
gujaf-36	43	7	risk	risk	NOUN
gujaf-36	43	8	of	of	ADP
gujaf-36	43	9	insufficient	insufficient	ADJ
gujaf-36	43	10	liquid	liquid	ADJ
gujaf-36	43	11	assets	asset	NOUN
gujaf-36	43	12	to	to	PART
gujaf-36	43	13	meet	meet	VERB
gujaf-36	43	14	payouts	payout	NOUN
gujaf-36	43	15	from	from	ADP
gujaf-36	43	16	policies	policy	NOUN
gujaf-36	43	17	(	(	PUNCT
gujaf-36	43	18	surrender	surrender	NOUN
gujaf-36	43	19	,	,	PUNCT
gujaf-36	43	20	expenses	expense	NOUN
gujaf-36	43	21	,	,	PUNCT
gujaf-36	43	22	maturities	maturity	NOUN
gujaf-36	43	23	,	,	PUNCT
gujaf-36	43	24	among	among	ADP
gujaf-36	43	25	others	other	NOUN
gujaf-36	43	26	)	)	PUNCT
gujaf-36	43	27	,	,	PUNCT
gujaf-36	43	28	forcing	force	VERB
gujaf-36	43	29	the	the	DET
gujaf-36	43	30	sale	sale	NOUN
gujaf-36	43	31	of	of	ADP
gujaf-36	43	32	assets	asset	NOUN
gujaf-36	43	33	at	at	ADP
gujaf-36	43	34	lower	low	ADJ
gujaf-36	43	35	prices	price	NOUN
gujaf-36	43	36	,	,	PUNCT
gujaf-36	43	37	leading	lead	VERB
gujaf-36	43	38	to	to	ADP
gujaf-36	43	39	losses	loss	NOUN
gujaf-36	43	40	,	,	PUNCT
gujaf-36	43	41	despite	despite	SCONJ
gujaf-36	43	42	company	company	NOUN
gujaf-36	43	43	being	be	AUX
gujaf-36	43	44	solvent	solvent	ADJ
gujaf-36	43	45	(	(	PUNCT
gujaf-36	43	46	kamau	kamau	PROPN
gujaf-36	43	47	,	,	PUNCT
gujaf-36	43	48	&	&	CCONJ
gujaf-36	43	49	njeru	njeru	PROPN
gujaf-36	43	50	,	,	PUNCT
gujaf-36	43	51	2016	2016	NUM
gujaf-36	43	52	)	)	PUNCT
gujaf-36	43	53	.	.	PUNCT
gujaf-36	44	1	credit	credit	NOUN
gujaf-36	44	2	risk	risk	NOUN
gujaf-36	44	3	is	be	AUX
gujaf-36	44	4	an	an	DET
gujaf-36	44	5	important	important	ADJ
gujaf-36	44	6	element	element	NOUN
gujaf-36	44	7	that	that	PRON
gujaf-36	44	8	needs	need	VERB
gujaf-36	44	9	to	to	PART
gujaf-36	44	10	be	be	AUX
gujaf-36	44	11	effectively	effectively	ADV
gujaf-36	44	12	managed	manage	VERB
gujaf-36	44	13	by	by	ADP
gujaf-36	44	14	banks	bank	NOUN
gujaf-36	44	15	because	because	SCONJ
gujaf-36	44	16	credits	credit	NOUN
gujaf-36	44	17	is	be	AUX
gujaf-36	44	18	a	a	DET
gujaf-36	44	19	core	core	NOUN
gujaf-36	44	20	mandate	mandate	NOUN
gujaf-36	44	21	of	of	ADP
gujaf-36	44	22	the	the	DET
gujaf-36	44	23	banking	banking	NOUN
gujaf-36	44	24	sector	sector	NOUN
gujaf-36	44	25	.	.	PUNCT
gujaf-36	45	1	credit	credit	NOUN
gujaf-36	45	2	risk	risk	NOUN
gujaf-36	45	3	is	be	AUX
gujaf-36	45	4	the	the	DET
gujaf-36	45	5	probability	probability	NOUN
gujaf-36	45	6	of	of	ADP
gujaf-36	45	7	losing	lose	VERB
gujaf-36	45	8	an	an	DET
gujaf-36	45	9	outstanding	outstanding	ADJ
gujaf-36	45	10	loan	loan	NOUN
gujaf-36	45	11	either	either	CCONJ
gujaf-36	45	12	partly	partly	ADV
gujaf-36	45	13	or	or	CCONJ
gujaf-36	45	14	in	in	ADP
gujaf-36	45	15	full	full	ADJ
gujaf-36	45	16	,	,	PUNCT
gujaf-36	45	17	due	due	ADP
gujaf-36	45	18	to	to	ADP
gujaf-36	45	19	the	the	DET
gujaf-36	45	20	default	default	NOUN
gujaf-36	45	21	in	in	ADP
gujaf-36	45	22	repayment	repayment	NOUN
gujaf-36	45	23	.	.	PUNCT
gujaf-36	46	1	a	a	DET
gujaf-36	46	2	dynamic	dynamic	ADJ
gujaf-36	46	3	credit	credit	NOUN
gujaf-36	46	4	risk	risk	NOUN
gujaf-36	46	5	framework	framework	NOUN
gujaf-36	46	6	is	be	AUX
gujaf-36	46	7	crucial	crucial	ADJ
gujaf-36	46	8	for	for	SCONJ
gujaf-36	46	9	banks	bank	NOUN
gujaf-36	46	10	to	to	PART
gujaf-36	46	11	maximize	maximize	VERB
gujaf-36	46	12	their	their	PRON
gujaf-36	46	13	profitability	profitability	NOUN
gujaf-36	46	14	and	and	CCONJ
gujaf-36	46	15	prevent	prevent	VERB
gujaf-36	46	16	forceful	forceful	ADJ
gujaf-36	46	17	mergers	merger	NOUN
gujaf-36	46	18	and	and	CCONJ
gujaf-36	46	19	acquisition(coco	acquisition(coco	PROPN
gujaf-36	46	20	ling	ling	PROPN
gujaf-36	46	21	,	,	PUNCT
gujaf-36	46	22	2019	2019	NUM
gujaf-36	46	23	)	)	PUNCT
gujaf-36	46	24	.	.	PUNCT
gujaf-36	47	1	operational	operational	ADJ
gujaf-36	47	2	risk	risk	NOUN
gujaf-36	47	3	is	be	AUX
gujaf-36	47	4	referring	refer	VERB
gujaf-36	47	5	to	to	ADP
gujaf-36	47	6	as	as	ADP
gujaf-36	47	7	the	the	DET
gujaf-36	47	8	potential	potential	ADJ
gujaf-36	47	9	financial	financial	ADJ
gujaf-36	47	10	loss	loss	NOUN
gujaf-36	47	11	as	as	ADP
gujaf-36	47	12	a	a	DET
gujaf-36	47	13	result	result	NOUN
gujaf-36	47	14	of	of	ADP
gujaf-36	47	15	breakdown	breakdown	NOUN
gujaf-36	47	16	in	in	ADP
gujaf-36	47	17	day	day	NOUN
gujaf-36	47	18	to	to	ADP
gujaf-36	47	19	day	day	NOUN
gujaf-36	47	20	operational	operational	ADJ
gujaf-36	47	21	processes	process	NOUN
gujaf-36	47	22	.	.	PUNCT
gujaf-36	48	1	it	it	PRON
gujaf-36	48	2	can	can	AUX
gujaf-36	48	3	arise	arise	VERB
gujaf-36	48	4	from	from	ADP
gujaf-36	48	5	failure	failure	NOUN
gujaf-36	48	6	to	to	PART
gujaf-36	48	7	comply	comply	VERB
gujaf-36	48	8	with	with	ADP
gujaf-36	48	9	policies	policy	NOUN
gujaf-36	48	10	,	,	PUNCT
gujaf-36	48	11	laws	law	NOUN
gujaf-36	48	12	and	and	CCONJ
gujaf-36	48	13	regulations	regulation	NOUN
gujaf-36	48	14	,	,	PUNCT
gujaf-36	48	15	from	from	ADP
gujaf-36	48	16	fraud	fraud	NOUN
gujaf-36	48	17	or	or	CCONJ
gujaf-36	48	18	forgery	forgery	NOUN
gujaf-36	48	19	(	(	PUNCT
gujaf-36	48	20	njogo	njogo	NOUN
gujaf-36	48	21	,	,	PUNCT
gujaf-36	48	22	2012	2012	NUM
gujaf-36	48	23	)	)	PUNCT
gujaf-36	48	24	.	.	PUNCT
gujaf-36	49	1	board	board	NOUN
gujaf-36	49	2	diversity	diversity	NOUN
gujaf-36	49	3	represents	represent	VERB
gujaf-36	49	4	an	an	DET
gujaf-36	49	5	important	important	ADJ
gujaf-36	49	6	corporate	corporate	ADJ
gujaf-36	49	7	governance	governance	NOUN
gujaf-36	49	8	structure	structure	NOUN
gujaf-36	49	9	in	in	ADP
gujaf-36	49	10	order	order	NOUN
gujaf-36	49	11	to	to	PART
gujaf-36	49	12	realize	realize	VERB
gujaf-36	49	13	efficient	efficient	ADJ
gujaf-36	49	14	and	and	CCONJ
gujaf-36	49	15	effective	effective	ADJ
gujaf-36	49	16	financial	financial	ADJ
gujaf-36	49	17	risk	risk	NOUN
gujaf-36	49	18	management	management	NOUN
gujaf-36	49	19	and	and	CCONJ
gujaf-36	49	20	other	other	ADJ
gujaf-36	49	21	monitoring	monitoring	NOUN
gujaf-36	49	22	mechanism	mechanism	NOUN
gujaf-36	49	23	within	within	ADP
gujaf-36	49	24	banks	bank	NOUN
gujaf-36	49	25	.	.	PUNCT
gujaf-36	50	1	thereby	thereby	ADV
gujaf-36	50	2	,	,	PUNCT
gujaf-36	50	3	the	the	DET
gujaf-36	50	4	consideration	consideration	NOUN
gujaf-36	50	5	of	of	ADP
gujaf-36	50	6	diversity	diversity	NOUN
gujaf-36	50	7	when	when	SCONJ
gujaf-36	50	8	selecting	select	VERB
gujaf-36	50	9	the	the	DET
gujaf-36	50	10	board	board	NOUN
gujaf-36	50	11	of	of	ADP
gujaf-36	50	12	directors	director	NOUN
gujaf-36	50	13	is	be	AUX
gujaf-36	50	14	essential	essential	ADJ
gujaf-36	50	15	to	to	ADP
gujaf-36	50	16	companies	company	NOUN
gujaf-36	50	17	.	.	PUNCT
gujaf-36	51	1	baldwin	baldwin	PROPN
gujaf-36	51	2	and	and	CCONJ
gujaf-36	51	3	mason	mason	PROPN
gujaf-36	51	4	(	(	PUNCT
gujaf-36	51	5	1983	1983	NUM
gujaf-36	51	6	)	)	PUNCT
gujaf-36	51	7	purported	purport	VERB
gujaf-36	51	8	that	that	SCONJ
gujaf-36	51	9	when	when	SCONJ
gujaf-36	51	10	a	a	DET
gujaf-36	51	11	firm	firm	NOUN
gujaf-36	51	12	’s	’s	PART
gujaf-36	51	13	business	business	NOUN
gujaf-36	51	14	deteriorates	deteriorate	VERB
gujaf-36	51	15	to	to	ADP
gujaf-36	51	16	the	the	DET
gujaf-36	51	17	point	point	NOUN
gujaf-36	51	18	where	where	SCONJ
gujaf-36	51	19	it	it	PRON
gujaf-36	51	20	can	can	AUX
gujaf-36	51	21	not	not	PART
gujaf-36	51	22	meet	meet	VERB
gujaf-36	51	23	its	its	PRON
gujaf-36	51	24	financial	financial	ADJ
gujaf-36	51	25	obligation	obligation	NOUN
gujaf-36	51	26	,	,	PUNCT
gujaf-36	51	27	the	the	DET
gujaf-36	51	28	firm	firm	NOUN
gujaf-36	51	29	is	be	AUX
gujaf-36	51	30	said	say	VERB
gujaf-36	51	31	to	to	PART
gujaf-36	51	32	have	have	AUX
gujaf-36	51	33	entered	enter	VERB
gujaf-36	51	34	the	the	DET
gujaf-36	51	35	state	state	NOUN
gujaf-36	51	36	of	of	ADP
gujaf-36	51	37	financial	financial	ADJ
gujaf-36	51	38	distress	distress	NOUN
gujaf-36	51	39	.	.	PUNCT
gujaf-36	52	1	whitaker	whitaker	NOUN
gujaf-36	52	2	(	(	PUNCT
gujaf-36	52	3	1999	1999	NUM
gujaf-36	52	4	)	)	PUNCT
gujaf-36	52	5	defines	define	VERB
gujaf-36	52	6	entry	entry	NOUN
gujaf-36	52	7	in	in	ADP
gujaf-36	52	8	financial	financial	ADJ
gujaf-36	52	9	distress	distress	NOUN
gujaf-36	52	10	as	as	ADP
gujaf-36	52	11	the	the	DET
gujaf-36	52	12	first	first	ADJ
gujaf-36	52	13	year	year	NOUN
gujaf-36	52	14	in	in	ADP
gujaf-36	52	15	which	which	PRON
gujaf-36	52	16	cash	cash	NOUN
gujaf-36	52	17	flows	flow	NOUN
gujaf-36	52	18	are	be	AUX
gujaf-36	52	19	less	less	ADJ
gujaf-36	52	20	than	than	ADP
gujaf-36	52	21	current	current	ADJ
gujaf-36	52	22	maturities	maturity	NOUN
gujaf-36	52	23	’	'	PUNCT
gujaf-36	52	24	longterm	longterm	VERB
gujaf-36	52	25	debt	debt	NOUN
gujaf-36	52	26	.	.	PUNCT
gujaf-36	53	1	the	the	DET
gujaf-36	53	2	key	key	ADJ
gujaf-36	53	3	factor	factor	NOUN
gujaf-36	53	4	in	in	ADP
gujaf-36	53	5	identifying	identify	VERB
gujaf-36	53	6	firms	firm	NOUN
gujaf-36	53	7	in	in	ADP
gujaf-36	53	8	financial	financial	ADJ
gujaf-36	53	9	distress	distress	NOUN
gujaf-36	53	10	is	be	AUX
gujaf-36	53	11	their	their	PRON
gujaf-36	53	12	inability	inability	NOUN
gujaf-36	53	13	to	to	PART
gujaf-36	53	14	meet	meet	VERB
gujaf-36	53	15	contractual	contractual	ADJ
gujaf-36	53	16	debt	debt	NOUN
gujaf-36	53	17	obligations	obligation	NOUN
gujaf-36	53	18	.	.	PUNCT
gujaf-36	54	1	the	the	DET
gujaf-36	54	2	theory	theory	NOUN
gujaf-36	54	3	of	of	ADP
gujaf-36	54	4	financial	financial	ADJ
gujaf-36	54	5	distress	distress	NOUN
gujaf-36	54	6	emanates	emanate	VERB
gujaf-36	54	7	from	from	ADP
gujaf-36	54	8	the	the	DET
gujaf-36	54	9	liquidity	liquidity	NOUN
gujaf-36	54	10	and	and	CCONJ
gujaf-36	54	11	credit	credit	NOUN
gujaf-36	54	12	risk	risk	NOUN
gujaf-36	54	13	facing	face	VERB
gujaf-36	54	14	a	a	DET
gujaf-36	54	15	firm	firm	NOUN
gujaf-36	54	16	.	.	PUNCT
gujaf-36	55	1	this	this	DET
gujaf-36	55	2	theory	theory	NOUN
gujaf-36	55	3	provides	provide	VERB
gujaf-36	55	4	for	for	ADP
gujaf-36	55	5	a	a	DET
gujaf-36	55	6	nonbiased	nonbiase	VERB
gujaf-36	55	7	perspective	perspective	NOUN
gujaf-36	55	8	on	on	ADP
gujaf-36	55	9	the	the	DET
gujaf-36	55	10	relationship	relationship	NOUN
gujaf-36	55	11	between	between	ADP
gujaf-36	55	12	credit	credit	NOUN
gujaf-36	55	13	risk	risk	NOUN
gujaf-36	55	14	and	and	CCONJ
gujaf-36	55	15	financial	financial	ADJ
gujaf-36	55	16	performance	performance	NOUN
gujaf-36	55	17	variables	variable	NOUN
gujaf-36	55	18	employed	employ	VERB
gujaf-36	55	19	by	by	ADP
gujaf-36	55	20	the	the	DET
gujaf-36	55	21	study	study	NOUN
gujaf-36	55	22	.	.	PUNCT
gujaf-36	56	1	by	by	ADP
gujaf-36	56	2	providing	provide	VERB
gujaf-36	56	3	information	information	NOUN
gujaf-36	56	4	that	that	SCONJ
gujaf-36	56	5	the	the	DET
gujaf-36	56	6	effects	effect	NOUN
gujaf-36	56	7	of	of	ADP
gujaf-36	56	8	financial	financial	ADJ
gujaf-36	56	9	distress	distress	NOUN
gujaf-36	56	10	occur	occur	VERB
gujaf-36	56	11	prior	prior	ADJ
gujaf-36	56	12	default	default	NOUN
gujaf-36	56	13	risk	risk	NOUN
gujaf-36	56	14	,	,	PUNCT
gujaf-36	56	15	the	the	DET
gujaf-36	56	16	theory	theory	NOUN
gujaf-36	56	17	offers	offer	VERB
gujaf-36	56	18	a	a	DET
gujaf-36	56	19	neutral	neutral	ADJ
gujaf-36	56	20	gusau	gusau	ADJ
gujaf-36	56	21	journal	journal	NOUN
gujaf-36	56	22	of	of	ADP
gujaf-36	56	23	accounting	accounting	NOUN
gujaf-36	56	24	and	and	CCONJ
gujaf-36	56	25	finance	finance	NOUN
gujaf-36	56	26	,	,	PUNCT
gujaf-36	56	27	vol	vol	NOUN
gujaf-36	56	28	.	.	PUNCT
gujaf-36	57	1	i	i	PRON
gujaf-36	57	2	,	,	PUNCT
gujaf-36	57	3	issue	issue	NOUN
gujaf-36	57	4	2	2	NUM
gujaf-36	57	5	,	,	PUNCT
gujaf-36	57	6	october	october	PROPN
gujaf-36	57	7	,	,	PUNCT
gujaf-36	57	8	2020	2020	NUM
gujaf-36	57	9	5	5	NUM
gujaf-36	57	10	platform	platform	NOUN
gujaf-36	57	11	to	to	PART
gujaf-36	57	12	undertake	undertake	VERB
gujaf-36	57	13	an	an	DET
gujaf-36	57	14	incisive	incisive	ADJ
gujaf-36	57	15	empirical	empirical	ADJ
gujaf-36	57	16	analysis	analysis	NOUN
gujaf-36	57	17	of	of	ADP
gujaf-36	57	18	this	this	DET
gujaf-36	57	19	relationship	relationship	NOUN
gujaf-36	57	20	within	within	ADP
gujaf-36	57	21	the	the	DET
gujaf-36	57	22	commercial	commercial	ADJ
gujaf-36	57	23	banks	bank	NOUN
gujaf-36	57	24	.	.	PUNCT
gujaf-36	58	1	nelly	nelly	ADV
gujaf-36	58	2	et	et	PROPN
gujaf-36	58	3	al	al	PROPN
gujaf-36	58	4	.	.	PROPN
gujaf-36	58	5	,	,	PUNCT
gujaf-36	58	6	(	(	PUNCT
gujaf-36	58	7	2019	2019	NUM
gujaf-36	58	8	)	)	PUNCT
gujaf-36	58	9	examine	examine	VERB
gujaf-36	58	10	the	the	DET
gujaf-36	58	11	effect	effect	NOUN
gujaf-36	58	12	of	of	ADP
gujaf-36	58	13	financial	financial	ADJ
gujaf-36	58	14	risk	risk	NOUN
gujaf-36	58	15	exposure	exposure	NOUN
gujaf-36	58	16	on	on	ADP
gujaf-36	58	17	financial	financial	ADJ
gujaf-36	58	18	performance	performance	NOUN
gujaf-36	58	19	of	of	ADP
gujaf-36	58	20	commercial	commercial	ADJ
gujaf-36	58	21	banks	bank	NOUN
gujaf-36	58	22	in	in	ADP
gujaf-36	58	23	kenya	kenya	PROPN
gujaf-36	58	24	.	.	PUNCT
gujaf-36	59	1	the	the	DET
gujaf-36	59	2	finding	finding	NOUN
gujaf-36	59	3	of	of	ADP
gujaf-36	59	4	the	the	DET
gujaf-36	59	5	study	study	NOUN
gujaf-36	59	6	revealed	reveal	VERB
gujaf-36	59	7	that	that	SCONJ
gujaf-36	59	8	liquidity	liquidity	NOUN
gujaf-36	59	9	risk	risk	NOUN
gujaf-36	59	10	has	have	VERB
gujaf-36	59	11	a	a	DET
gujaf-36	59	12	positive	positive	ADJ
gujaf-36	59	13	and	and	CCONJ
gujaf-36	59	14	significant	significant	ADJ
gujaf-36	59	15	effect	effect	NOUN
gujaf-36	59	16	on	on	ADP
gujaf-36	59	17	financial	financial	ADJ
gujaf-36	59	18	performance	performance	NOUN
gujaf-36	59	19	while	while	SCONJ
gujaf-36	59	20	credit	credit	NOUN
gujaf-36	59	21	risk	risk	NOUN
gujaf-36	59	22	has	have	VERB
gujaf-36	59	23	a	a	DET
gujaf-36	59	24	negative	negative	ADJ
gujaf-36	59	25	and	and	CCONJ
gujaf-36	59	26	significant	significant	ADJ
gujaf-36	59	27	effect	effect	NOUN
gujaf-36	59	28	on	on	ADP
gujaf-36	59	29	kenya	kenya	PROPN
gujaf-36	59	30	bank	bank	PROPN
gujaf-36	59	31	financial	financial	ADJ
gujaf-36	59	32	performance	performance	NOUN
gujaf-36	59	33	.	.	PUNCT
gujaf-36	60	1	also	also	ADV
gujaf-36	60	2	,	,	PUNCT
gujaf-36	60	3	zhongming	zhongming	NOUN
gujaf-36	60	4	and	and	CCONJ
gujaf-36	60	5	frimpong	frimpong	PROPN
gujaf-36	60	6	,	,	PUNCT
gujaf-36	60	7	(	(	PUNCT
gujaf-36	60	8	2019	2019	NUM
gujaf-36	60	9	)	)	PUNCT
gujaf-36	60	10	study	study	VERB
gujaf-36	60	11	the	the	DET
gujaf-36	60	12	impact	impact	NOUN
gujaf-36	60	13	of	of	ADP
gujaf-36	60	14	financial	financial	ADJ
gujaf-36	60	15	risk	risk	NOUN
gujaf-36	60	16	on	on	ADP
gujaf-36	60	17	banks	bank	NOUN
gujaf-36	60	18	’	'	PUNCT
gujaf-36	60	19	financial	financial	ADJ
gujaf-36	60	20	performance	performance	NOUN
gujaf-36	60	21	in	in	ADP
gujaf-36	60	22	ghana	ghana	PROPN
gujaf-36	60	23	.	.	PUNCT
gujaf-36	61	1	the	the	DET
gujaf-36	61	2	analysis	analysis	NOUN
gujaf-36	61	3	of	of	ADP
gujaf-36	61	4	the	the	DET
gujaf-36	61	5	data	datum	NOUN
gujaf-36	61	6	revealed	reveal	VERB
gujaf-36	61	7	the	the	DET
gujaf-36	61	8	existence	existence	NOUN
gujaf-36	61	9	of	of	ADP
gujaf-36	61	10	significant	significant	ADJ
gujaf-36	61	11	long	long	ADJ
gujaf-36	61	12	run	run	NOUN
gujaf-36	61	13	impact	impact	NOUN
gujaf-36	61	14	of	of	ADP
gujaf-36	61	15	financial	financial	ADJ
gujaf-36	61	16	risk	risk	NOUN
gujaf-36	61	17	on	on	ADP
gujaf-36	61	18	financial	financial	ADJ
gujaf-36	61	19	performance	performance	NOUN
gujaf-36	61	20	.	.	PUNCT
gujaf-36	62	1	fakhrunnas	fakhrunnas	PROPN
gujaf-36	62	2	and	and	CCONJ
gujaf-36	62	3	imron	imron	PROPN
gujaf-36	62	4	,	,	PUNCT
gujaf-36	62	5	(	(	PUNCT
gujaf-36	62	6	2019	2019	NUM
gujaf-36	62	7	)	)	PUNCT
gujaf-36	62	8	assess	assess	VERB
gujaf-36	62	9	the	the	DET
gujaf-36	62	10	internal	internal	ADJ
gujaf-36	62	11	and	and	CCONJ
gujaf-36	62	12	external	external	ADJ
gujaf-36	62	13	risks	risk	NOUN
gujaf-36	62	14	that	that	PRON
gujaf-36	62	15	influence	influence	NOUN
gujaf-36	62	16	to	to	ADP
gujaf-36	62	17	the	the	DET
gujaf-36	62	18	bank	bank	NOUN
gujaf-36	62	19	performance	performance	NOUN
gujaf-36	62	20	.	.	PUNCT
gujaf-36	63	1	panel	panel	NOUN
gujaf-36	63	2	data	datum	NOUN
gujaf-36	63	3	was	be	AUX
gujaf-36	63	4	adapted	adapt	VERB
gujaf-36	63	5	to	to	PART
gujaf-36	63	6	analyzed	analyze	VERB
gujaf-36	63	7	21	21	NUM
gujaf-36	63	8	biggest	big	ADJ
gujaf-36	63	9	islamic	islamic	ADJ
gujaf-36	63	10	rural	rural	ADJ
gujaf-36	63	11	banks	bank	NOUN
gujaf-36	63	12	in	in	ADP
gujaf-36	63	13	indonesia	indonesia	PROPN
gujaf-36	63	14	during	during	ADP
gujaf-36	63	15	2013	2013	NUM
gujaf-36	63	16	-	-	SYM
gujaf-36	63	17	2017	2017	NUM
gujaf-36	63	18	.	.	PUNCT
gujaf-36	64	1	the	the	DET
gujaf-36	64	2	study	study	NOUN
gujaf-36	64	3	finds	find	VERB
gujaf-36	64	4	that	that	SCONJ
gujaf-36	64	5	nonperforming	nonperforme	VERB
gujaf-36	64	6	financing	financing	NOUN
gujaf-36	64	7	(	(	PUNCT
gujaf-36	64	8	npf	npf	NOUN
gujaf-36	64	9	)	)	PUNCT
gujaf-36	64	10	has	have	VERB
gujaf-36	64	11	negative	negative	ADJ
gujaf-36	64	12	and	and	CCONJ
gujaf-36	64	13	significant	significant	ADJ
gujaf-36	64	14	influence	influence	NOUN
gujaf-36	64	15	on	on	ADP
gujaf-36	64	16	roa	roa	PROPN
gujaf-36	64	17	that	that	PRON
gujaf-36	64	18	explains	explain	VERB
gujaf-36	64	19	the	the	DET
gujaf-36	64	20	performance	performance	NOUN
gujaf-36	64	21	of	of	ADP
gujaf-36	64	22	islamic	islamic	ADJ
gujaf-36	64	23	rural	rural	NOUN
gujaf-36	64	24	.	.	PUNCT
gujaf-36	65	1	furthermore	furthermore	ADV
gujaf-36	65	2	,	,	PUNCT
gujaf-36	65	3	bogale	bogale	NOUN
gujaf-36	65	4	,	,	PUNCT
gujaf-36	65	5	(	(	PUNCT
gujaf-36	65	6	2019	2019	NUM
gujaf-36	65	7	)	)	PUNCT
gujaf-36	65	8	investigates	investigate	VERB
gujaf-36	65	9	the	the	DET
gujaf-36	65	10	factors	factor	NOUN
gujaf-36	65	11	affecting	affect	VERB
gujaf-36	65	12	the	the	DET
gujaf-36	65	13	profitability	profitability	NOUN
gujaf-36	65	14	of	of	ADP
gujaf-36	65	15	fourteen	fourteen	NUM
gujaf-36	65	16	private	private	ADJ
gujaf-36	65	17	commercial	commercial	ADJ
gujaf-36	65	18	banks	bank	NOUN
gujaf-36	65	19	in	in	ADP
gujaf-36	65	20	ethiopia	ethiopia	PROPN
gujaf-36	65	21	,	,	PUNCT
gujaf-36	65	22	from	from	ADP
gujaf-36	65	23	2008	2008	NUM
gujaf-36	65	24	to	to	ADP
gujaf-36	65	25	2017	2017	NUM
gujaf-36	65	26	,	,	PUNCT
gujaf-36	65	27	using	use	VERB
gujaf-36	65	28	unbalanced	unbalanced	ADJ
gujaf-36	65	29	panel	panel	NOUN
gujaf-36	65	30	data	datum	NOUN
gujaf-36	65	31	.	.	PUNCT
gujaf-36	66	1	the	the	DET
gujaf-36	66	2	fixed	fix	VERB
gujaf-36	66	3	effect	effect	NOUN
gujaf-36	66	4	regression	regression	NOUN
gujaf-36	66	5	output	output	NOUN
gujaf-36	66	6	revealed	reveal	VERB
gujaf-36	66	7	that	that	SCONJ
gujaf-36	66	8	credit	credit	NOUN
gujaf-36	66	9	risk	risk	NOUN
gujaf-36	66	10	and	and	CCONJ
gujaf-36	66	11	liquidity	liquidity	NOUN
gujaf-36	66	12	risk	risk	NOUN
gujaf-36	66	13	were	be	AUX
gujaf-36	66	14	found	find	VERB
gujaf-36	66	15	not	not	PART
gujaf-36	66	16	powerful	powerful	ADJ
gujaf-36	66	17	variables	variable	NOUN
gujaf-36	66	18	in	in	ADP
gujaf-36	66	19	the	the	DET
gujaf-36	66	20	determination	determination	NOUN
gujaf-36	66	21	of	of	ADP
gujaf-36	66	22	banks	bank	NOUN
gujaf-36	66	23	profitability	profitability	NOUN
gujaf-36	66	24	.	.	PUNCT
gujaf-36	67	1	elshaday	elshaday	NOUN
gujaf-36	67	2	,	,	PUNCT
gujaf-36	67	3	kenenisa	kenenisa	NOUN
gujaf-36	67	4	,	,	PUNCT
gujaf-36	67	5	and	and	CCONJ
gujaf-36	67	6	mohammed	mohammed	PROPN
gujaf-36	67	7	,	,	PUNCT
gujaf-36	67	8	(	(	PUNCT
gujaf-36	67	9	2018	2018	NUM
gujaf-36	67	10	)	)	PUNCT
gujaf-36	67	11	examine	examine	VERB
gujaf-36	67	12	the	the	DET
gujaf-36	67	13	determinants	determinant	NOUN
gujaf-36	67	14	of	of	ADP
gujaf-36	67	15	the	the	DET
gujaf-36	67	16	financial	financial	ADJ
gujaf-36	67	17	performance	performance	NOUN
gujaf-36	67	18	of	of	ADP
gujaf-36	67	19	private	private	ADJ
gujaf-36	67	20	commercial	commercial	ADJ
gujaf-36	67	21	banks	bank	NOUN
gujaf-36	67	22	in	in	ADP
gujaf-36	67	23	ethiopia	ethiopia	PROPN
gujaf-36	67	24	.	.	PUNCT
gujaf-36	68	1	eight	eight	NUM
gujaf-36	68	2	banks	bank	NOUN
gujaf-36	68	3	were	be	AUX
gujaf-36	68	4	chosen	choose	VERB
gujaf-36	68	5	from	from	ADP
gujaf-36	68	6	the	the	DET
gujaf-36	68	7	sixteen	sixteen	NUM
gujaf-36	68	8	banks	bank	NOUN
gujaf-36	68	9	in	in	ADP
gujaf-36	68	10	ethiopia	ethiopia	PROPN
gujaf-36	68	11	banking	banking	NOUN
gujaf-36	68	12	industry	industry	NOUN
gujaf-36	68	13	from	from	ADP
gujaf-36	68	14	2007	2007	NUM
gujaf-36	68	15	to	to	ADP
gujaf-36	68	16	2016	2016	NUM
gujaf-36	68	17	.	.	PUNCT
gujaf-36	69	1	the	the	DET
gujaf-36	69	2	random	random	ADJ
gujaf-36	69	3	effect	effect	NOUN
gujaf-36	69	4	results	result	NOUN
gujaf-36	69	5	show	show	VERB
gujaf-36	69	6	that	that	SCONJ
gujaf-36	69	7	non	non	ADJ
gujaf-36	69	8	-	-	ADJ
gujaf-36	69	9	performing	performing	ADJ
gujaf-36	69	10	loans	loan	NOUN
gujaf-36	69	11	and	and	CCONJ
gujaf-36	69	12	loan	loan	NOUN
gujaf-36	69	13	loss	loss	NOUN
gujaf-36	69	14	provision	provision	NOUN
gujaf-36	69	15	have	have	VERB
gujaf-36	69	16	negative	negative	ADJ
gujaf-36	69	17	and	and	CCONJ
gujaf-36	69	18	statistically	statistically	ADV
gujaf-36	69	19	significant	significant	ADJ
gujaf-36	69	20	effect	effect	NOUN
gujaf-36	69	21	on	on	ADP
gujaf-36	69	22	financial	financial	ADJ
gujaf-36	69	23	performance	performance	NOUN
gujaf-36	69	24	.	.	PUNCT
gujaf-36	70	1	in	in	ADP
gujaf-36	70	2	addition	addition	NOUN
gujaf-36	70	3	,	,	PUNCT
gujaf-36	70	4	jin	jin	NOUN
gujaf-36	70	5	,	,	PUNCT
gujaf-36	70	6	(	(	PUNCT
gujaf-36	70	7	2019	2019	NUM
gujaf-36	70	8	)	)	PUNCT
gujaf-36	70	9	examined	examine	VERB
gujaf-36	70	10	the	the	DET
gujaf-36	70	11	financial	financial	ADJ
gujaf-36	70	12	risks	risk	NOUN
gujaf-36	70	13	and	and	CCONJ
gujaf-36	70	14	performance	performance	NOUN
gujaf-36	70	15	of	of	ADP
gujaf-36	70	16	cocoaland	cocoaland	NOUN
gujaf-36	70	17	holdings	holding	NOUN
gujaf-36	70	18	berhad	berhad	PROPN
gujaf-36	70	19	which	which	PRON
gujaf-36	70	20	is	be	AUX
gujaf-36	70	21	a	a	DET
gujaf-36	70	22	food	food	NOUN
gujaf-36	70	23	and	and	CCONJ
gujaf-36	70	24	beverages	beverage	NOUN
gujaf-36	70	25	company	company	NOUN
gujaf-36	70	26	for	for	ADP
gujaf-36	70	27	the	the	DET
gujaf-36	70	28	period	period	NOUN
gujaf-36	70	29	of	of	ADP
gujaf-36	70	30	2014	2014	NUM
gujaf-36	70	31	-	-	SYM
gujaf-36	70	32	2018	2018	NUM
gujaf-36	70	33	.	.	PUNCT
gujaf-36	71	1	the	the	DET
gujaf-36	71	2	study	study	NOUN
gujaf-36	71	3	used	use	VERB
gujaf-36	71	4	multiple	multiple	ADJ
gujaf-36	71	5	linear	linear	ADJ
gujaf-36	71	6	regression	regression	NOUN
gujaf-36	71	7	models	model	NOUN
gujaf-36	71	8	.	.	PUNCT
gujaf-36	72	1	the	the	DET
gujaf-36	72	2	results	result	NOUN
gujaf-36	72	3	show	show	VERB
gujaf-36	72	4	that	that	SCONJ
gujaf-36	72	5	operating	operate	VERB
gujaf-36	72	6	margin	margin	NOUN
gujaf-36	72	7	is	be	AUX
gujaf-36	72	8	the	the	DET
gujaf-36	72	9	most	most	ADV
gujaf-36	72	10	significant	significant	ADJ
gujaf-36	72	11	variable	variable	NOUN
gujaf-36	72	12	that	that	PRON
gujaf-36	72	13	positively	positively	ADV
gujaf-36	72	14	influence	influence	VERB
gujaf-36	72	15	the	the	DET
gujaf-36	72	16	performance	performance	NOUN
gujaf-36	72	17	of	of	ADP
gujaf-36	72	18	the	the	DET
gujaf-36	72	19	company	company	NOUN
gujaf-36	72	20	.	.	PUNCT
gujaf-36	73	1	arif	arif	PROPN
gujaf-36	73	2	,	,	PUNCT
gujaf-36	73	3	hussain	hussain	PROPN
gujaf-36	73	4	,	,	PUNCT
gujaf-36	73	5	anjum	anjum	PROPN
gujaf-36	73	6	and	and	CCONJ
gujaf-36	73	7	jawad	jawad	PROPN
gujaf-36	73	8	,	,	PUNCT
gujaf-36	73	9	(	(	PUNCT
gujaf-36	73	10	2016	2016	NUM
gujaf-36	73	11	)	)	PUNCT
gujaf-36	73	12	assess	assess	VERB
gujaf-36	73	13	the	the	DET
gujaf-36	73	14	effect	effect	NOUN
gujaf-36	73	15	of	of	ADP
gujaf-36	73	16	risk	risk	NOUN
gujaf-36	73	17	management	management	NOUN
gujaf-36	73	18	on	on	ADP
gujaf-36	73	19	the	the	DET
gujaf-36	73	20	performance	performance	NOUN
gujaf-36	73	21	of	of	ADP
gujaf-36	73	22	both	both	CCONJ
gujaf-36	73	23	large	large	ADJ
gujaf-36	73	24	banking	banking	NOUN
gujaf-36	73	25	institutions	institution	NOUN
gujaf-36	73	26	and	and	CCONJ
gujaf-36	73	27	small	small	ADJ
gujaf-36	73	28	banking	banking	NOUN
gujaf-36	73	29	institutions	institution	NOUN
gujaf-36	73	30	in	in	ADP
gujaf-36	73	31	pakistan	pakistan	PROPN
gujaf-36	73	32	from	from	ADP
gujaf-36	73	33	2005	2005	NUM
gujaf-36	73	34	-	-	SYM
gujaf-36	73	35	2014	2014	NUM
gujaf-36	73	36	.	.	PUNCT
gujaf-36	74	1	the	the	DET
gujaf-36	74	2	random	random	ADJ
gujaf-36	74	3	effect	effect	NOUN
gujaf-36	74	4	regression	regression	NOUN
gujaf-36	74	5	result	result	NOUN
gujaf-36	74	6	revealed	reveal	VERB
gujaf-36	74	7	that	that	SCONJ
gujaf-36	74	8	operational	operational	ADJ
gujaf-36	74	9	risk	risk	NOUN
gujaf-36	74	10	is	be	AUX
gujaf-36	74	11	a	a	DET
gujaf-36	74	12	key	key	ADJ
gujaf-36	74	13	driver	driver	NOUN
gujaf-36	74	14	of	of	ADP
gujaf-36	74	15	profitability	profitability	NOUN
gujaf-36	74	16	in	in	ADP
gujaf-36	74	17	large	large	ADJ
gujaf-36	74	18	banks	bank	NOUN
gujaf-36	74	19	in	in	ADP
gujaf-36	74	20	pakistan	pakistan	PROPN
gujaf-36	74	21	.	.	PUNCT
gujaf-36	75	1	the	the	DET
gujaf-36	75	2	gusau	gusau	ADJ
gujaf-36	75	3	journal	journal	NOUN
gujaf-36	75	4	of	of	ADP
gujaf-36	75	5	accounting	accounting	NOUN
gujaf-36	75	6	and	and	CCONJ
gujaf-36	75	7	finance	finance	NOUN
gujaf-36	75	8	,	,	PUNCT
gujaf-36	75	9	vol	vol	NOUN
gujaf-36	75	10	.	.	PUNCT
gujaf-36	76	1	i	i	PRON
gujaf-36	76	2	,	,	PUNCT
gujaf-36	76	3	issue	issue	NOUN
gujaf-36	76	4	2	2	NUM
gujaf-36	76	5	,	,	PUNCT
gujaf-36	76	6	october	october	PROPN
gujaf-36	76	7	,	,	PUNCT
gujaf-36	76	8	2020	2020	NUM
gujaf-36	76	9	6	6	NUM
gujaf-36	76	10	study	study	NOUN
gujaf-36	76	11	of	of	ADP
gujaf-36	76	12	rozmina	rozmina	PROPN
gujaf-36	76	13	and	and	CCONJ
gujaf-36	76	14	mwangi	mwangi	PROPN
gujaf-36	76	15	(	(	PUNCT
gujaf-36	76	16	2017	2017	NUM
gujaf-36	76	17	)	)	PUNCT
gujaf-36	76	18	examine	examine	VERB
gujaf-36	76	19	the	the	DET
gujaf-36	76	20	impact	impact	NOUN
gujaf-36	76	21	of	of	ADP
gujaf-36	76	22	board	board	NOUN
gujaf-36	76	23	gender	gender	NOUN
gujaf-36	76	24	diversity	diversity	NOUN
gujaf-36	76	25	on	on	ADP
gujaf-36	76	26	profitability	profitability	NOUN
gujaf-36	76	27	of	of	ADP
gujaf-36	76	28	the	the	DET
gujaf-36	76	29	agricultural	agricultural	ADJ
gujaf-36	76	30	listed	list	VERB
gujaf-36	76	31	companies	company	NOUN
gujaf-36	76	32	in	in	ADP
gujaf-36	76	33	the	the	DET
gujaf-36	76	34	nairobi	nairobi	PROPN
gujaf-36	76	35	securities	securities	PROPN
gujaf-36	76	36	exchange	exchange	PROPN
gujaf-36	76	37	over	over	ADP
gujaf-36	76	38	the	the	DET
gujaf-36	76	39	period	period	NOUN
gujaf-36	76	40	2008	2008	NUM
gujaf-36	76	41	to	to	ADP
gujaf-36	76	42	2015	2015	NUM
gujaf-36	76	43	.	.	PUNCT
gujaf-36	77	1	panel	panel	NOUN
gujaf-36	77	2	data	datum	NOUN
gujaf-36	77	3	is	be	AUX
gujaf-36	77	4	analysed	analyse	VERB
gujaf-36	77	5	using	use	VERB
gujaf-36	77	6	fixed	fix	VERB
gujaf-36	77	7	effect	effect	NOUN
gujaf-36	77	8	model	model	NOUN
gujaf-36	77	9	and	and	CCONJ
gujaf-36	77	10	random	random	ADJ
gujaf-36	77	11	effect	effect	NOUN
gujaf-36	77	12	model	model	NOUN
gujaf-36	77	13	.	.	PUNCT
gujaf-36	78	1	the	the	DET
gujaf-36	78	2	result	result	NOUN
gujaf-36	78	3	shows	show	VERB
gujaf-36	78	4	that	that	SCONJ
gujaf-36	78	5	the	the	DET
gujaf-36	78	6	presence	presence	NOUN
gujaf-36	78	7	of	of	ADP
gujaf-36	78	8	women	woman	NOUN
gujaf-36	78	9	on	on	ADP
gujaf-36	78	10	boards	board	NOUN
gujaf-36	78	11	of	of	ADP
gujaf-36	78	12	director	director	NOUN
gujaf-36	78	13	was	be	AUX
gujaf-36	78	14	found	find	VERB
gujaf-36	78	15	to	to	PART
gujaf-36	78	16	be	be	AUX
gujaf-36	78	17	positive	positive	ADJ
gujaf-36	78	18	and	and	CCONJ
gujaf-36	78	19	statistically	statistically	ADV
gujaf-36	78	20	significant	significant	ADJ
gujaf-36	78	21	.	.	PUNCT
gujaf-36	79	1	this	this	PRON
gujaf-36	79	2	means	mean	VERB
gujaf-36	79	3	that	that	SCONJ
gujaf-36	79	4	presence	presence	NOUN
gujaf-36	79	5	of	of	ADP
gujaf-36	79	6	women	woman	NOUN
gujaf-36	79	7	on	on	ADP
gujaf-36	79	8	boards	board	NOUN
gujaf-36	79	9	of	of	ADP
gujaf-36	79	10	agricultural	agricultural	ADJ
gujaf-36	79	11	listed	list	VERB
gujaf-36	79	12	firms	firm	NOUN
gujaf-36	79	13	will	will	AUX
gujaf-36	79	14	lead	lead	VERB
gujaf-36	79	15	to	to	ADP
gujaf-36	79	16	increased	increase	VERB
gujaf-36	79	17	profitability	profitability	NOUN
gujaf-36	79	18	.	.	PUNCT
gujaf-36	80	1	3	3	X
gujaf-36	80	2	.	.	X
gujaf-36	80	3	methodology	methodology	NOUN
gujaf-36	80	4	and	and	CCONJ
gujaf-36	80	5	model	model	VERB
gujaf-36	80	6	the	the	DET
gujaf-36	80	7	study	study	NOUN
gujaf-36	80	8	adopts	adopt	VERB
gujaf-36	80	9	the	the	DET
gujaf-36	80	10	ex	ex	NOUN
gujaf-36	80	11	-	-	ADJ
gujaf-36	80	12	post	post	ADJ
gujaf-36	80	13	facto	facto	X
gujaf-36	80	14	research	research	NOUN
gujaf-36	80	15	design	design	NOUN
gujaf-36	80	16	.	.	PUNCT
gujaf-36	81	1	the	the	DET
gujaf-36	81	2	population	population	NOUN
gujaf-36	81	3	of	of	ADP
gujaf-36	81	4	this	this	DET
gujaf-36	81	5	study	study	NOUN
gujaf-36	81	6	consist	consist	NOUN
gujaf-36	81	7	of	of	ADP
gujaf-36	81	8	thirteen	thirteen	NUM
gujaf-36	81	9	(	(	PUNCT
gujaf-36	81	10	13	13	NUM
gujaf-36	81	11	)	)	PUNCT
gujaf-36	81	12	listed	list	VERB
gujaf-36	81	13	deposit	deposit	NOUN
gujaf-36	81	14	money	money	NOUN
gujaf-36	81	15	as	as	ADP
gujaf-36	81	16	show	show	NOUN
gujaf-36	81	17	in	in	ADP
gujaf-36	81	18	the	the	DET
gujaf-36	81	19	nigeria	nigeria	PROPN
gujaf-36	81	20	stock	stock	PROPN
gujaf-36	81	21	exchange	exchange	PROPN
gujaf-36	81	22	banks	bank	NOUN
gujaf-36	81	23	from	from	ADP
gujaf-36	81	24	1st	1st	ADJ
gujaf-36	81	25	january	january	PROPN
gujaf-36	81	26	2010	2010	NUM
gujaf-36	81	27	to	to	ADP
gujaf-36	81	28	31st	31st	NOUN
gujaf-36	81	29	december	december	PROPN
gujaf-36	81	30	2019	2019	NUM
gujaf-36	81	31	and	and	CCONJ
gujaf-36	81	32	this	this	DET
gujaf-36	81	33	study	study	NOUN
gujaf-36	81	34	use	use	VERB
gujaf-36	81	35	all	all	DET
gujaf-36	81	36	the	the	DET
gujaf-36	81	37	banks	bank	NOUN
gujaf-36	81	38	.	.	PUNCT
gujaf-36	82	1	the	the	DET
gujaf-36	82	2	census	census	NOUN
gujaf-36	82	3	technique	technique	NOUN
gujaf-36	82	4	was	be	AUX
gujaf-36	82	5	adopted	adopt	VERB
gujaf-36	82	6	because	because	SCONJ
gujaf-36	82	7	the	the	DET
gujaf-36	82	8	entire	entire	ADJ
gujaf-36	82	9	population	population	NOUN
gujaf-36	82	10	is	be	AUX
gujaf-36	82	11	use	use	NOUN
gujaf-36	82	12	for	for	ADP
gujaf-36	82	13	the	the	DET
gujaf-36	82	14	study	study	NOUN
gujaf-36	82	15	,	,	PUNCT
gujaf-36	82	16	which	which	PRON
gujaf-36	82	17	is	be	AUX
gujaf-36	82	18	based	base	VERB
gujaf-36	82	19	on	on	ADP
gujaf-36	82	20	all	all	DET
gujaf-36	82	21	the	the	DET
gujaf-36	82	22	bank	bank	NOUN
gujaf-36	82	23	’s	’	VERB
gujaf-36	82	24	listed	list	VERB
gujaf-36	82	25	on	on	ADP
gujaf-36	82	26	nigeria	nigeria	PROPN
gujaf-36	82	27	stock	stock	PROPN
gujaf-36	82	28	exchange	exchange	PROPN
gujaf-36	82	29	.	.	PUNCT
gujaf-36	83	1	the	the	DET
gujaf-36	83	2	data	datum	NOUN
gujaf-36	83	3	is	be	AUX
gujaf-36	83	4	collected	collect	VERB
gujaf-36	83	5	through	through	ADP
gujaf-36	83	6	secondary	secondary	ADJ
gujaf-36	83	7	sources	source	NOUN
gujaf-36	83	8	only	only	ADV
gujaf-36	83	9	,	,	PUNCT
gujaf-36	83	10	that	that	ADV
gujaf-36	83	11	is	is	ADV
gujaf-36	83	12	,	,	PUNCT
gujaf-36	83	13	through	through	ADP
gujaf-36	83	14	the	the	DET
gujaf-36	83	15	published	publish	VERB
gujaf-36	83	16	annual	annual	ADJ
gujaf-36	83	17	reports	report	NOUN
gujaf-36	83	18	of	of	ADP
gujaf-36	83	19	the	the	DET
gujaf-36	83	20	study	study	NOUN
gujaf-36	83	21	banks	bank	NOUN
gujaf-36	83	22	before	before	ADP
gujaf-36	83	23	analysing	analyse	VERB
gujaf-36	83	24	the	the	DET
gujaf-36	83	25	data	datum	NOUN
gujaf-36	83	26	using	use	VERB
gujaf-36	83	27	the	the	DET
gujaf-36	83	28	stata	stata	NOUN
gujaf-36	83	29	13	13	NUM
gujaf-36	83	30	statistical	statistical	ADJ
gujaf-36	83	31	software	software	NOUN
gujaf-36	83	32	.	.	PUNCT
gujaf-36	84	1	the	the	DET
gujaf-36	84	2	model	model	NOUN
gujaf-36	84	3	encapsulates	encapsulate	VERB
gujaf-36	84	4	the	the	DET
gujaf-36	84	5	incorporating	incorporate	VERB
gujaf-36	84	6	board	board	NOUN
gujaf-36	84	7	diversity	diversity	NOUN
gujaf-36	84	8	as	as	ADP
gujaf-36	84	9	the	the	DET
gujaf-36	84	10	moderating	moderate	VERB
gujaf-36	84	11	variable	variable	NOUN
gujaf-36	84	12	that	that	PRON
gujaf-36	84	13	affect	affect	VERB
gujaf-36	84	14	the	the	DET
gujaf-36	84	15	direct	direct	ADJ
gujaf-36	84	16	relationship	relationship	NOUN
gujaf-36	84	17	in	in	ADP
gujaf-36	84	18	equation	equation	NOUN
gujaf-36	84	19	,	,	PUNCT
gujaf-36	84	20	pbtit	pbtit	PROPN
gujaf-36	84	21	=	=	SYM
gujaf-36	84	22	β0+β1lrit+β2crit+β3oprit+β4bdit+β5lr*bdit+β6cr*bdit+	β0+β1lrit+β2crit+β3oprit+β4bdit+β5lr*bdit+β6cr*bdit+	X
gujaf-36	84	23	β7op*bdit+	β7op*bdit+	NUM
gujaf-36	84	24	ε	ε	PROPN
gujaf-36	84	25	where	where	SCONJ
gujaf-36	84	26	:	:	PUNCT
gujaf-36	84	27	nl.pat=	nl.pat=	NOUN
gujaf-36	84	28	natural	natural	ADJ
gujaf-36	84	29	logarithms	logarithm	NOUN
gujaf-36	84	30	of	of	ADP
gujaf-36	84	31	(	(	PUNCT
gujaf-36	84	32	pbt	pbt	PROPN
gujaf-36	84	33	)	)	PUNCT
gujaf-36	84	34	profit	profit	NOUN
gujaf-36	84	35	before	before	ADP
gujaf-36	84	36	tax	tax	NOUN
gujaf-36	84	37	and	and	CCONJ
gujaf-36	84	38	interest	interest	NOUN
gujaf-36	84	39	,	,	PUNCT
gujaf-36	84	40	lr=	lr=	ADJ
gujaf-36	84	41	liquidity	liquidity	NOUN
gujaf-36	84	42	risk	risk	NOUN
gujaf-36	84	43	,	,	PUNCT
gujaf-36	84	44	cr=	cr=	NOUN
gujaf-36	84	45	credit	credit	NOUN
gujaf-36	84	46	risk	risk	NOUN
gujaf-36	84	47	,	,	PUNCT
gujaf-36	84	48	opr=	opr=	PROPN
gujaf-36	84	49	operational	operational	ADJ
gujaf-36	84	50	risk	risk	NOUN
gujaf-36	84	51	,	,	PUNCT
gujaf-36	84	52	bd=	bd=	NOUN
gujaf-36	84	53	board	board	NOUN
gujaf-36	84	54	diversity	diversity	NOUN
gujaf-36	84	55	,	,	PUNCT
gujaf-36	84	56	i=	i=	PROPN
gujaf-36	84	57	number	number	NOUN
gujaf-36	84	58	bank	bank	NOUN
gujaf-36	84	59	observation	observation	NOUN
gujaf-36	84	60	,	,	PUNCT
gujaf-36	84	61	112	112	NUM
gujaf-36	84	62	,	,	PUNCT
gujaf-36	84	63	t=	t=	PRON
gujaf-36	84	64	the	the	DET
gujaf-36	84	65	index	index	NOUN
gujaf-36	84	66	of	of	ADP
gujaf-36	84	67	time	time	NOUN
gujaf-36	84	68	periods	period	VERB
gujaf-36	84	69	є	є	ADP
gujaf-36	84	70	=	=	NOUN
gujaf-36	84	71	is	be	AUX
gujaf-36	84	72	the	the	DET
gujaf-36	84	73	error	error	NOUN
gujaf-36	84	74	component	component	NOUN
gujaf-36	84	75	for	for	ADP
gujaf-36	84	76	bank	bank	NOUN
gujaf-36	84	77	β0	β0	PROPN
gujaf-36	84	78	=	=	PROPN
gujaf-36	84	79	intercept	intercept	NOUN
gujaf-36	84	80	of	of	ADP
gujaf-36	84	81	the	the	DET
gujaf-36	84	82	model	model	NOUN
gujaf-36	84	83	“	"	PUNCT
gujaf-36	84	84	constant	constant	ADJ
gujaf-36	84	85	”	"	PUNCT
gujaf-36	84	86	β=	β=	NOUN
gujaf-36	84	87	1	1	NUM
gujaf-36	84	88	,	,	PUNCT
gujaf-36	84	89	2	2	NUM
gujaf-36	84	90	.	.	PUNCT
gujaf-36	84	91	.	.	PUNCT
gujaf-36	85	1	.	.	PUNCT
gujaf-36	86	1	are	be	AUX
gujaf-36	86	2	parameters	parameter	NOUN
gujaf-36	86	3	to	to	PART
gujaf-36	86	4	be	be	AUX
gujaf-36	86	5	estimated	estimate	VERB
gujaf-36	86	6	.	.	PUNCT
gujaf-36	87	1	variables	variable	NOUN
gujaf-36	87	2	definition	definition	NOUN
gujaf-36	87	3	and	and	CCONJ
gujaf-36	87	4	measurement	measurement	NOUN
gujaf-36	87	5	.	.	PUNCT
gujaf-36	88	1	variables	variable	NOUN
gujaf-36	88	2	measurement	measurement	NOUN
gujaf-36	88	3	sources	source	NOUN
gujaf-36	88	4	dependent	dependent	ADJ
gujaf-36	88	5	variable	variable	ADJ
gujaf-36	88	6	profitability	profitability	NOUN
gujaf-36	88	7	the	the	DET
gujaf-36	88	8	ratio	ratio	NOUN
gujaf-36	88	9	is	be	AUX
gujaf-36	88	10	considered	consider	VERB
gujaf-36	88	11	an	an	DET
gujaf-36	88	12	indicator	indicator	NOUN
gujaf-36	88	13	of	of	ADP
gujaf-36	88	14	how	how	SCONJ
gujaf-36	88	15	efficient	efficient	ADJ
gujaf-36	88	16	a	a	DET
gujaf-36	88	17	company	company	NOUN
gujaf-36	88	18	is	be	AUX
gujaf-36	88	19	using	use	VERB
gujaf-36	88	20	its	its	PRON
gujaf-36	88	21	assets	asset	NOUN
gujaf-36	88	22	to	to	ADP
gujaf-36	88	23	(	(	PUNCT
gujaf-36	88	24	mendoza	mendoza	PROPN
gujaf-36	88	25	&	&	CCONJ
gujaf-36	88	26	generate	generate	VERB
gujaf-36	88	27	revenue	revenue	NOUN
gujaf-36	88	28	(	(	PUNCT
gujaf-36	88	29	natural	natural	ADJ
gujaf-36	88	30	logarithms	logarithm	NOUN
gujaf-36	88	31	of	of	ADP
gujaf-36	88	32	rivera	rivera	NOUN
gujaf-36	88	33	,	,	PUNCT
gujaf-36	88	34	2017	2017	NUM
gujaf-36	88	35	)	)	PUNCT
gujaf-36	88	36	profit	profit	NOUN
gujaf-36	88	37	before	before	ADP
gujaf-36	88	38	tax	tax	NOUN
gujaf-36	88	39	and	and	CCONJ
gujaf-36	88	40	interest	interest	NOUN
gujaf-36	88	41	)	)	PUNCT
gujaf-36	88	42	gusau	gusau	ADJ
gujaf-36	88	43	journal	journal	NOUN
gujaf-36	88	44	of	of	ADP
gujaf-36	88	45	accounting	accounting	NOUN
gujaf-36	88	46	and	and	CCONJ
gujaf-36	88	47	finance	finance	NOUN
gujaf-36	88	48	,	,	PUNCT
gujaf-36	88	49	vol	vol	NOUN
gujaf-36	88	50	.	.	PUNCT
gujaf-36	89	1	i	i	PRON
gujaf-36	89	2	,	,	PUNCT
gujaf-36	89	3	issue	issue	NOUN
gujaf-36	89	4	2	2	NUM
gujaf-36	89	5	,	,	PUNCT
gujaf-36	89	6	october	october	PROPN
gujaf-36	89	7	,	,	PUNCT
gujaf-36	89	8	2020	2020	NUM
gujaf-36	89	9	7	7	NUM
gujaf-36	89	10	independent	independent	ADJ
gujaf-36	89	11	variable	variable	ADJ
gujaf-36	89	12	liquidity	liquidity	NOUN
gujaf-36	89	13	risk	risk	NOUN
gujaf-36	89	14	measured	measure	VERB
gujaf-36	89	15	as	as	ADP
gujaf-36	89	16	ratio	ratio	NOUN
gujaf-36	89	17	of	of	ADP
gujaf-36	89	18	banks	bank	NOUN
gujaf-36	89	19	loan	loan	VERB
gujaf-36	89	20	and	and	CCONJ
gujaf-36	89	21	advance	advance	NOUN
gujaf-36	89	22	to	to	ADP
gujaf-36	89	23	deposit	deposit	NOUN
gujaf-36	89	24	by	by	ADP
gujaf-36	89	25	customer	customer	NOUN
gujaf-36	89	26	and	and	CCONJ
gujaf-36	89	27	banks	bank	NOUN
gujaf-36	89	28	(	(	PUNCT
gujaf-36	89	29	yousfi	yousfi	ADJ
gujaf-36	89	30	,	,	PUNCT
gujaf-36	89	31	2014	2014	NUM
gujaf-36	89	32	)	)	PUNCT
gujaf-36	89	33	.	.	PUNCT
gujaf-36	90	1	credit	credit	NOUN
gujaf-36	90	2	risk	risk	NOUN
gujaf-36	90	3	measured	measure	VERB
gujaf-36	90	4	as	as	ADP
gujaf-36	90	5	the	the	DET
gujaf-36	90	6	ratio	ratio	NOUN
gujaf-36	90	7	of	of	ADP
gujaf-36	90	8	nonperforming	nonperforme	VERB
gujaf-36	90	9	loans	loan	NOUN
gujaf-36	90	10	to	to	ADP
gujaf-36	90	11	total	total	ADJ
gujaf-36	90	12	loans	loan	NOUN
gujaf-36	90	13	(	(	PUNCT
gujaf-36	90	14	arif	arif	PROPN
gujaf-36	90	15	hussain	hussain	PROPN
gujaf-36	90	16	,	,	PUNCT
gujaf-36	90	17	ihsan	ihsan	PROPN
gujaf-36	90	18	&	&	CCONJ
gujaf-36	90	19	hussain	hussain	PROPN
gujaf-36	90	20	,	,	PUNCT
gujaf-36	90	21	2016	2016	NUM
gujaf-36	90	22	)	)	PUNCT
gujaf-36	90	23	operational	operational	ADJ
gujaf-36	90	24	risk	risk	NOUN
gujaf-36	90	25	measured	measure	VERB
gujaf-36	90	26	as	as	ADP
gujaf-36	90	27	the	the	DET
gujaf-36	90	28	ratio	ratio	NOUN
gujaf-36	90	29	of	of	ADP
gujaf-36	90	30	operating	operating	NOUN
gujaf-36	90	31	expenses	expense	NOUN
gujaf-36	90	32	to	to	ADP
gujaf-36	90	33	banks	bank	NOUN
gujaf-36	90	34	turnover	turnover	NOUN
gujaf-36	90	35	(	(	PUNCT
gujaf-36	90	36	noman	noman	NOUN
gujaf-36	90	37	,	,	PUNCT
gujaf-36	90	38	2015	2015	NUM
gujaf-36	90	39	)	)	PUNCT
gujaf-36	90	40	board	board	NOUN
gujaf-36	90	41	diversity	diversity	NOUN
gujaf-36	90	42	(	(	PUNCT
gujaf-36	90	43	moderating	moderating	NOUN
gujaf-36	90	44	variables	variable	NOUN
gujaf-36	90	45	)	)	PUNCT
gujaf-36	90	46	measure	measure	NOUN
gujaf-36	90	47	as	as	ADP
gujaf-36	90	48	ratio	ratio	NOUN
gujaf-36	90	49	of	of	ADP
gujaf-36	90	50	female	female	ADJ
gujaf-36	90	51	director	director	NOUN
gujaf-36	90	52	to	to	ADP
gujaf-36	90	53	total	total	ADJ
gujaf-36	90	54	numbers	number	NOUN
gujaf-36	90	55	of	of	ADP
gujaf-36	90	56	directors	director	NOUN
gujaf-36	90	57	.	.	PUNCT
gujaf-36	91	1	(	(	PUNCT
gujaf-36	91	2	taljaard	taljaard	NOUN
gujaf-36	91	3	et	et	PROPN
gujaf-36	91	4	al	al	PROPN
gujaf-36	91	5	.	.	PROPN
gujaf-36	91	6	,	,	PUNCT
gujaf-36	91	7	2015	2015	NUM
gujaf-36	91	8	)	)	PUNCT
gujaf-36	91	9	source	source	NOUN
gujaf-36	91	10	:	:	PUNCT
gujaf-36	91	11	field	field	NOUN
gujaf-36	91	12	work	work	NOUN
gujaf-36	91	13	,	,	PUNCT
gujaf-36	91	14	(	(	PUNCT
gujaf-36	91	15	2020	2020	NUM
gujaf-36	91	16	)	)	PUNCT
gujaf-36	91	17	4	4	NUM
gujaf-36	91	18	results	result	NOUN
gujaf-36	91	19	and	and	CCONJ
gujaf-36	91	20	discussions	discussion	NOUN
gujaf-36	91	21	this	this	DET
gujaf-36	91	22	section	section	NOUN
gujaf-36	91	23	presents	present	VERB
gujaf-36	91	24	and	and	CCONJ
gujaf-36	91	25	discuss	discuss	VERB
gujaf-36	91	26	both	both	CCONJ
gujaf-36	91	27	descriptive	descriptive	ADJ
gujaf-36	91	28	and	and	CCONJ
gujaf-36	91	29	inferential	inferential	ADJ
gujaf-36	91	30	statistics	statistic	NOUN
gujaf-36	91	31	.	.	PUNCT
gujaf-36	92	1	it	it	PRON
gujaf-36	92	2	also	also	ADV
gujaf-36	92	3	discusses	discuss	VERB
gujaf-36	92	4	the	the	DET
gujaf-36	92	5	findings	finding	NOUN
gujaf-36	92	6	and	and	CCONJ
gujaf-36	92	7	implications	implication	NOUN
gujaf-36	92	8	of	of	ADP
gujaf-36	92	9	the	the	DET
gujaf-36	92	10	study	study	NOUN
gujaf-36	92	11	.	.	PUNCT
gujaf-36	93	1	descriptive	descriptive	ADJ
gujaf-36	93	2	statistics	statistic	NOUN
gujaf-36	93	3	.	.	PUNCT
gujaf-36	94	1	variables	variable	NOUN
gujaf-36	94	2	mean	mean	VERB
gujaf-36	94	3	std	std	X
gujaf-36	94	4	dev	dev	PROPN
gujaf-36	94	5	.	.	PUNCT
gujaf-36	95	1	minimum	minimum	PROPN
gujaf-36	95	2	maximum	maximum	PROPN
gujaf-36	95	3	pbt	pbt	PROPN
gujaf-36	95	4	8.785	8.785	NUM
gujaf-36	95	5	5.229	5.229	NUM
gujaf-36	95	6	-11.625	-11.625	NUM
gujaf-36	95	7	12.402	12.402	NUM
gujaf-36	95	8	liquidity	liquidity	NOUN
gujaf-36	95	9	risk	risk	NOUN
gujaf-36	95	10	0.655	0.655	NUM
gujaf-36	95	11	0.183	0.183	NUM
gujaf-36	95	12	0.081	0.081	NUM
gujaf-36	95	13	1.063	1.063	NUM
gujaf-36	95	14	credit	credit	NOUN
gujaf-36	95	15	risk	risk	NOUN
gujaf-36	95	16	0.053	0.053	NUM
gujaf-36	95	17	0.064	0.064	NUM
gujaf-36	95	18	0	0	NUM
gujaf-36	95	19	0.393	0.393	NUM
gujaf-36	95	20	operational	operational	ADJ
gujaf-36	95	21	risk	risk	NOUN
gujaf-36	95	22	0.699	0.699	NUM
gujaf-36	95	23	0.271	0.271	NUM
gujaf-36	95	24	0.081	0.081	NUM
gujaf-36	95	25	2.586	2.586	NUM
gujaf-36	95	26	bank	bank	NOUN
gujaf-36	95	27	size	size	NOUN
gujaf-36	95	28	20.704	20.704	NUM
gujaf-36	95	29	1.672	1.672	NUM
gujaf-36	95	30	13.983	13.983	NUM
gujaf-36	95	31	22.878	22.878	NUM
gujaf-36	95	32	gender	gender	NOUN
gujaf-36	95	33	0.201	0.201	NUM
gujaf-36	95	34	0.119	0.119	NUM
gujaf-36	95	35	0	0	NUM
gujaf-36	95	36	0.647	0.647	NUM
gujaf-36	95	37	.	.	PUNCT
gujaf-36	96	1	source	source	NOUN
gujaf-36	96	2	:	:	PUNCT
gujaf-36	96	3	output	output	PROPN
gujaf-36	96	4	generated	generate	VERB
gujaf-36	96	5	using	use	VERB
gujaf-36	96	6	stata	stata	NOUN
gujaf-36	96	7	13	13	NUM
gujaf-36	96	8	table	table	NOUN
gujaf-36	96	9	3	3	NUM
gujaf-36	96	10	,	,	PUNCT
gujaf-36	96	11	revealed	reveal	VERB
gujaf-36	96	12	that	that	SCONJ
gujaf-36	96	13	the	the	DET
gujaf-36	96	14	profit	profit	NOUN
gujaf-36	96	15	before	before	ADP
gujaf-36	96	16	tax	tax	NOUN
gujaf-36	96	17	(	(	PUNCT
gujaf-36	96	18	pbt	pbt	PROPN
gujaf-36	96	19	)	)	PUNCT
gujaf-36	96	20	has	have	VERB
gujaf-36	96	21	minimum	minimum	ADJ
gujaf-36	96	22	value	value	NOUN
gujaf-36	96	23	of	of	ADP
gujaf-36	96	24	-11.625	-11.625	PUNCT
gujaf-36	96	25	and	and	CCONJ
gujaf-36	96	26	maximum	maximum	ADJ
gujaf-36	96	27	value	value	NOUN
gujaf-36	96	28	of	of	ADP
gujaf-36	96	29	12.402	12.402	NUM
gujaf-36	96	30	.	.	PUNCT
gujaf-36	97	1	this	this	PRON
gujaf-36	97	2	signifies	signify	VERB
gujaf-36	97	3	that	that	SCONJ
gujaf-36	97	4	,	,	PUNCT
gujaf-36	97	5	the	the	DET
gujaf-36	97	6	least	least	ADJ
gujaf-36	97	7	bank	bank	NOUN
gujaf-36	97	8	of	of	ADP
gujaf-36	97	9	the	the	DET
gujaf-36	97	10	sampled	sample	VERB
gujaf-36	97	11	banks	bank	NOUN
gujaf-36	97	12	incurred	incur	VERB
gujaf-36	97	13	11.6%t	11.6%t	NUM
gujaf-36	97	14	loss	loss	NOUN
gujaf-36	97	15	for	for	ADP
gujaf-36	97	16	each	each	PRON
gujaf-36	97	17	of	of	ADP
gujaf-36	97	18	single	single	ADJ
gujaf-36	97	19	naira	naira	ADJ
gujaf-36	97	20	investment	investment	NOUN
gujaf-36	97	21	in	in	ADP
gujaf-36	97	22	the	the	DET
gujaf-36	97	23	bank	bank	NOUN
gujaf-36	97	24	with	with	ADP
gujaf-36	97	25	an	an	DET
gujaf-36	97	26	average	average	ADJ
gujaf-36	97	27	mean	mean	NOUN
gujaf-36	97	28	value	value	NOUN
gujaf-36	97	29	of	of	ADP
gujaf-36	97	30	8.785	8.785	NUM
gujaf-36	97	31	.	.	PUNCT
gujaf-36	98	1	liquidity	liquidity	NOUN
gujaf-36	98	2	risk	risk	NOUN
gujaf-36	98	3	has	have	VERB
gujaf-36	98	4	minimum	minimum	ADJ
gujaf-36	98	5	value	value	NOUN
gujaf-36	98	6	of	of	ADP
gujaf-36	98	7	0.082	0.082	NUM
gujaf-36	98	8	and	and	CCONJ
gujaf-36	98	9	a	a	DET
gujaf-36	98	10	maximum	maximum	ADJ
gujaf-36	98	11	value	value	NOUN
gujaf-36	98	12	1.064	1.064	NUM
gujaf-36	98	13	respectively	respectively	ADV
gujaf-36	98	14	.	.	PUNCT
gujaf-36	99	1	the	the	DET
gujaf-36	99	2	mean	mean	ADJ
gujaf-36	99	3	value	value	NOUN
gujaf-36	99	4	of	of	ADP
gujaf-36	99	5	liquidity	liquidity	NOUN
gujaf-36	99	6	risk	risk	NOUN
gujaf-36	99	7	is	be	AUX
gujaf-36	99	8	0.6550846	0.6550846	NUM
gujaf-36	99	9	with	with	ADP
gujaf-36	99	10	standard	standard	ADJ
gujaf-36	99	11	deviation	deviation	NOUN
gujaf-36	99	12	of	of	ADP
gujaf-36	99	13	0.1824629	0.1824629	NUM
gujaf-36	99	14	.	.	PUNCT
gujaf-36	100	1	credit	credit	NOUN
gujaf-36	100	2	risk	risk	NOUN
gujaf-36	100	3	has	have	VERB
gujaf-36	100	4	a	a	DET
gujaf-36	100	5	minimum	minimum	ADJ
gujaf-36	100	6	value	value	NOUN
gujaf-36	100	7	of	of	ADP
gujaf-36	100	8	0.000	0.000	NUM
gujaf-36	100	9	and	and	CCONJ
gujaf-36	100	10	a	a	DET
gujaf-36	100	11	maximum	maximum	ADJ
gujaf-36	100	12	value	value	NOUN
gujaf-36	100	13	0.393	0.393	NUM
gujaf-36	100	14	.	.	PUNCT
gujaf-36	101	1	however	however	ADV
gujaf-36	101	2	,	,	PUNCT
gujaf-36	101	3	the	the	DET
gujaf-36	101	4	mean	mean	ADJ
gujaf-36	101	5	value	value	NOUN
gujaf-36	101	6	of	of	ADP
gujaf-36	101	7	0.053	0.053	NUM
gujaf-36	101	8	with	with	ADP
gujaf-36	101	9	a	a	DET
gujaf-36	101	10	standard	standard	ADJ
gujaf-36	101	11	deviation	deviation	NOUN
gujaf-36	101	12	of	of	ADP
gujaf-36	101	13	0.064	0.064	NUM
gujaf-36	101	14	.	.	PUNCT
gujaf-36	102	1	also	also	ADV
gujaf-36	102	2	,	,	PUNCT
gujaf-36	102	3	operating	operate	VERB
gujaf-36	102	4	risks	risk	NOUN
gujaf-36	102	5	have	have	VERB
gujaf-36	102	6	minimum	minimum	ADJ
gujaf-36	102	7	and	and	CCONJ
gujaf-36	102	8	maximum	maximum	ADJ
gujaf-36	102	9	values	value	NOUN
gujaf-36	102	10	of	of	ADP
gujaf-36	102	11	0.081	0.081	NUM
gujaf-36	102	12	and	and	CCONJ
gujaf-36	102	13	2.586	2.586	NUM
gujaf-36	102	14	respectively	respectively	ADV
gujaf-36	102	15	and	and	CCONJ
gujaf-36	102	16	the	the	DET
gujaf-36	102	17	average	average	ADJ
gujaf-36	102	18	value	value	NOUN
gujaf-36	102	19	is	be	AUX
gujaf-36	102	20	0.699	0.699	NUM
gujaf-36	102	21	.	.	PUNCT
gujaf-36	103	1	bank	bank	NOUN
gujaf-36	103	2	size	size	NOUN
gujaf-36	103	3	has	have	VERB
gujaf-36	103	4	a	a	DET
gujaf-36	103	5	mean	mean	ADJ
gujaf-36	103	6	value	value	NOUN
gujaf-36	103	7	of	of	ADP
gujaf-36	103	8	20.704	20.704	NUM
gujaf-36	103	9	.	.	PUNCT
gujaf-36	104	1	furthermore	furthermore	ADV
gujaf-36	104	2	,	,	PUNCT
gujaf-36	104	3	board	board	NOUN
gujaf-36	104	4	gender	gender	NOUN
gujaf-36	104	5	has	have	VERB
gujaf-36	104	6	a	a	DET
gujaf-36	104	7	mean	mean	ADJ
gujaf-36	104	8	value	value	NOUN
gujaf-36	104	9	of	of	ADP
gujaf-36	104	10	20	20	NUM
gujaf-36	104	11	%	%	NOUN
gujaf-36	104	12	,	,	PUNCT
gujaf-36	104	13	and	and	CCONJ
gujaf-36	104	14	a	a	DET
gujaf-36	104	15	gusau	gusau	ADJ
gujaf-36	104	16	journal	journal	NOUN
gujaf-36	104	17	of	of	ADP
gujaf-36	104	18	accounting	accounting	NOUN
gujaf-36	104	19	and	and	CCONJ
gujaf-36	104	20	finance	finance	NOUN
gujaf-36	104	21	,	,	PUNCT
gujaf-36	104	22	vol	vol	NOUN
gujaf-36	104	23	.	.	PUNCT
gujaf-36	105	1	i	i	PRON
gujaf-36	105	2	,	,	PUNCT
gujaf-36	105	3	issue	issue	NOUN
gujaf-36	105	4	2	2	NUM
gujaf-36	105	5	,	,	PUNCT
gujaf-36	105	6	october	october	PROPN
gujaf-36	105	7	,	,	PUNCT
gujaf-36	105	8	2020	2020	NUM
gujaf-36	105	9	8	8	NUM
gujaf-36	105	10	minimum	minimum	NOUN
gujaf-36	105	11	and	and	CCONJ
gujaf-36	105	12	maximum	maximum	NOUN
gujaf-36	105	13	of	of	ADP
gujaf-36	105	14	0	0	NUM
gujaf-36	105	15	and	and	CCONJ
gujaf-36	105	16	64.7	64.7	NUM
gujaf-36	105	17	%	%	NOUN
gujaf-36	105	18	respectively	respectively	ADV
gujaf-36	105	19	.	.	PUNCT
gujaf-36	106	1	the	the	DET
gujaf-36	106	2	statistics	statistic	NOUN
gujaf-36	106	3	indicates	indicate	VERB
gujaf-36	106	4	some	some	DET
gujaf-36	106	5	banks	bank	NOUN
gujaf-36	106	6	has	have	VERB
gujaf-36	106	7	no	no	DET
gujaf-36	106	8	female	female	ADJ
gujaf-36	106	9	gender	gender	NOUN
gujaf-36	106	10	on	on	ADP
gujaf-36	106	11	their	their	PRON
gujaf-36	106	12	corporate	corporate	ADJ
gujaf-36	106	13	boards	board	NOUN
gujaf-36	106	14	.	.	PUNCT
gujaf-36	107	1	normality	normality	NOUN
gujaf-36	107	2	test	test	NOUN
gujaf-36	107	3	of	of	ADP
gujaf-36	107	4	data	data	PROPN
gujaf-36	107	5	normality	normality	NOUN
gujaf-36	107	6	test	test	NOUN
gujaf-36	107	7	of	of	ADP
gujaf-36	107	8	data	datum	NOUN
gujaf-36	107	9	variables	variable	NOUN
gujaf-36	107	10	obs	obs	PROPN
gujaf-36	107	11	.	.	PUNCT
gujaf-36	108	1	w	w	PROPN
gujaf-36	108	2	v	v	NOUN
gujaf-36	108	3	z	z	NOUN
gujaf-36	108	4	prob˃z	prob˃z	NOUN
gujaf-36	108	5	pbt	pbt	PROPN
gujaf-36	108	6	130	130	NUM
gujaf-36	108	7	0.50524	0.50524	NUM
gujaf-36	108	8	50.950	50.950	NUM
gujaf-36	108	9	8.844	8.844	NUM
gujaf-36	108	10	0.00000	0.00000	NUM
gujaf-36	108	11	lr	lr	PROPN
gujaf-36	108	12	130	130	NUM
gujaf-36	108	13	0.98308	0.98308	NUM
gujaf-36	108	14	1.742	1.742	NUM
gujaf-36	108	15	1.249	1.249	NUM
gujaf-36	108	16	0.10580	0.10580	NUM
gujaf-36	108	17	cr	cr	ADP
gujaf-36	108	18	130	130	NUM
gujaf-36	108	19	0.64907	0.64907	NUM
gujaf-36	108	20	36.139	36.139	NUM
gujaf-36	108	21	8.072	8.072	NUM
gujaf-36	108	22	0.00000	0.00000	NUM
gujaf-36	108	23	opr	opr	NOUN
gujaf-36	108	24	130	130	NUM
gujaf-36	108	25	0.80342	0.80342	NUM
gujaf-36	108	26	20.244	20.244	NUM
gujaf-36	108	27	6.768	6.768	NUM
gujaf-36	108	28	0.00000	0.00000	NUM
gujaf-36	108	29	bs	bs	NOUN
gujaf-36	108	30	130	130	NUM
gujaf-36	108	31	0.77579	0.77579	NUM
gujaf-36	108	32	23.089	23.089	NUM
gujaf-36	108	33	7.064	7.064	NUM
gujaf-36	108	34	0.00000	0.00000	NUM
gujaf-36	108	35	bd	bd	PROPN
gujaf-36	108	36	130	130	NUM
gujaf-36	108	37	0.94246	0.94246	NUM
gujaf-36	108	38	5.926	5.926	NUM
gujaf-36	108	39	4.003	4.003	NUM
gujaf-36	108	40	0.00003	0.00003	NUM
gujaf-36	108	41	source	source	NOUN
gujaf-36	108	42	:	:	PUNCT
gujaf-36	108	43	output	output	NOUN
gujaf-36	108	44	generated	generate	VERB
gujaf-36	108	45	using	use	VERB
gujaf-36	108	46	stata	stata	NOUN
gujaf-36	108	47	13	13	NUM
gujaf-36	108	48	shapiro	shapiro	NOUN
gujaf-36	108	49	-	-	PUNCT
gujaf-36	108	50	wilk	wilk	NOUN
gujaf-36	108	51	(	(	PUNCT
gujaf-36	108	52	w	w	NOUN
gujaf-36	108	53	)	)	PUNCT
gujaf-36	108	54	test	test	NOUN
gujaf-36	108	55	for	for	ADP
gujaf-36	108	56	normality	normality	NOUN
gujaf-36	108	57	of	of	ADP
gujaf-36	108	58	variables	variable	NOUN
gujaf-36	108	59	are	be	AUX
gujaf-36	108	60	not	not	PART
gujaf-36	108	61	normally	normally	ADV
gujaf-36	108	62	distributed	distribute	VERB
gujaf-36	108	63	because	because	SCONJ
gujaf-36	108	64	the	the	DET
gujaf-36	108	65	p	p	NOUN
gujaf-36	108	66	-	-	PUNCT
gujaf-36	108	67	values	value	NOUN
gujaf-36	108	68	are	be	AUX
gujaf-36	108	69	significant	significant	ADJ
gujaf-36	108	70	at	at	ADP
gujaf-36	108	71	1	1	NUM
gujaf-36	108	72	%	%	NOUN
gujaf-36	108	73	level	level	NOUN
gujaf-36	108	74	of	of	ADP
gujaf-36	108	75	significance	significance	NOUN
gujaf-36	108	76	(	(	PUNCT
gujaf-36	108	77	p	p	NOUN
gujaf-36	108	78	-	-	PUNCT
gujaf-36	108	79	values	value	NOUN
gujaf-36	108	80	of	of	ADP
gujaf-36	108	81	0.001	0.001	NUM
gujaf-36	108	82	)	)	PUNCT
gujaf-36	108	83	.	.	PUNCT
gujaf-36	109	1	therefore	therefore	ADV
gujaf-36	109	2	,	,	PUNCT
gujaf-36	109	3	the	the	DET
gujaf-36	109	4	null	null	ADJ
gujaf-36	109	5	hypothesis	hypothesis	NOUN
gujaf-36	109	6	is	be	AUX
gujaf-36	109	7	rejected	reject	VERB
gujaf-36	109	8	for	for	ADP
gujaf-36	109	9	pbt	pbt	PROPN
gujaf-36	109	10	,	,	PUNCT
gujaf-36	109	11	credit	credit	NOUN
gujaf-36	109	12	risk	risk	NOUN
gujaf-36	109	13	,	,	PUNCT
gujaf-36	109	14	operating	operating	NOUN
gujaf-36	109	15	risk	risk	NOUN
gujaf-36	109	16	,	,	PUNCT
gujaf-36	109	17	bank	bank	NOUN
gujaf-36	109	18	size	size	NOUN
gujaf-36	109	19	and	and	CCONJ
gujaf-36	109	20	gender	gender	NOUN
gujaf-36	109	21	diversity	diversity	NOUN
gujaf-36	109	22	.	.	PUNCT
gujaf-36	110	1	except	except	SCONJ
gujaf-36	110	2	for	for	ADP
gujaf-36	110	3	liquidity	liquidity	NOUN
gujaf-36	110	4	risk	risk	NOUN
gujaf-36	110	5	which	which	PRON
gujaf-36	110	6	revealed	reveal	VERB
gujaf-36	110	7	an	an	DET
gujaf-36	110	8	insignificant	insignificant	ADJ
gujaf-36	110	9	p	p	NOUN
gujaf-36	110	10	-	-	PUNCT
gujaf-36	110	11	value	value	NOUN
gujaf-36	110	12	of	of	ADP
gujaf-36	110	13	0.150580	0.150580	NUM
gujaf-36	110	14	.	.	PUNCT
gujaf-36	111	1	therefore	therefore	ADV
gujaf-36	111	2	,	,	PUNCT
gujaf-36	111	3	this	this	PRON
gujaf-36	111	4	may	may	AUX
gujaf-36	111	5	lead	lead	VERB
gujaf-36	111	6	to	to	ADP
gujaf-36	111	7	some	some	DET
gujaf-36	111	8	problems	problem	NOUN
gujaf-36	111	9	in	in	ADP
gujaf-36	111	10	ols	ol	NOUN
gujaf-36	111	11	regression	regression	NOUN
gujaf-36	111	12	and	and	CCONJ
gujaf-36	111	13	,	,	PUNCT
gujaf-36	111	14	hence	hence	ADV
gujaf-36	111	15	the	the	DET
gujaf-36	111	16	need	need	NOUN
gujaf-36	111	17	for	for	ADP
gujaf-36	111	18	a	a	DET
gujaf-36	111	19	more	more	ADV
gujaf-36	111	20	generalized	generalized	ADJ
gujaf-36	111	21	regression	regression	NOUN
gujaf-36	111	22	model	model	NOUN
gujaf-36	111	23	.	.	PUNCT
gujaf-36	112	1	robustness	robustness	NOUN
gujaf-36	112	2	test	test	NOUN
gujaf-36	112	3	for	for	ADP
gujaf-36	112	4	model	model	NOUN
gujaf-36	112	5	.	.	PUNCT
gujaf-36	113	1	variables	variable	NOUN
gujaf-36	113	2	statistics	statistic	NOUN
gujaf-36	113	3	p	p	NOUN
gujaf-36	113	4	-	-	PUNCT
gujaf-36	113	5	values	value	NOUN
gujaf-36	113	6	.	.	PUNCT
gujaf-36	114	1	hausman	hausman	PROPN
gujaf-36	114	2	test	test	VERB
gujaf-36	114	3	17.70	17.70	NUM
gujaf-36	114	4	0.0236	0.0236	NUM
gujaf-36	114	5	hettest	hettest	NOUN
gujaf-36	114	6	27.87	27.87	NUM
gujaf-36	114	7	0.0000	0.0000	NUM
gujaf-36	114	8	mean	mean	NOUN
gujaf-36	114	9	vif	vif	NOUN
gujaf-36	114	10	:	:	PUNCT
gujaf-36	114	11	chi2	chi2	NOUN
gujaf-36	114	12	1.10	1.10	NUM
gujaf-36	114	13	pcses	pcse	NOUN
gujaf-36	114	14	model	model	NOUN
gujaf-36	114	15	adopted	adopt	VERB
gujaf-36	114	16	to	to	PART
gujaf-36	114	17	correct	correct	VERB
gujaf-36	114	18	for	for	ADP
gujaf-36	114	19	errors	error	NOUN
gujaf-36	114	20	.	.	PUNCT
gujaf-36	115	1	sources	source	NOUN
gujaf-36	115	2	:	:	PUNCT
gujaf-36	115	3	output	output	PROPN
gujaf-36	115	4	generated	generate	VERB
gujaf-36	115	5	using	use	VERB
gujaf-36	115	6	stata	stata	NOUN
gujaf-36	115	7	13	13	NUM
gujaf-36	115	8	gusau	gusau	ADJ
gujaf-36	115	9	journal	journal	NOUN
gujaf-36	115	10	of	of	ADP
gujaf-36	115	11	accounting	accounting	NOUN
gujaf-36	115	12	and	and	CCONJ
gujaf-36	115	13	finance	finance	NOUN
gujaf-36	115	14	,	,	PUNCT
gujaf-36	115	15	vol	vol	NOUN
gujaf-36	115	16	.	.	PUNCT
gujaf-36	116	1	i	i	PRON
gujaf-36	116	2	,	,	PUNCT
gujaf-36	116	3	issue	issue	NOUN
gujaf-36	116	4	2	2	NUM
gujaf-36	116	5	,	,	PUNCT
gujaf-36	116	6	october	october	PROPN
gujaf-36	116	7	,	,	PUNCT
gujaf-36	116	8	2020	2020	NUM
gujaf-36	116	9	9	9	NUM
gujaf-36	116	10	the	the	DET
gujaf-36	116	11	measure	measure	NOUN
gujaf-36	116	12	of	of	ADP
gujaf-36	116	13	profitability	profitability	NOUN
gujaf-36	116	14	in	in	ADP
gujaf-36	116	15	this	this	DET
gujaf-36	116	16	study	study	NOUN
gujaf-36	116	17	is	be	AUX
gujaf-36	116	18	extracted	extract	VERB
gujaf-36	116	19	from	from	ADP
gujaf-36	116	20	the	the	DET
gujaf-36	116	21	models	model	NOUN
gujaf-36	116	22	.	.	PUNCT
gujaf-36	117	1	however	however	ADV
gujaf-36	117	2	,	,	PUNCT
gujaf-36	117	3	the	the	DET
gujaf-36	117	4	classical	classical	ADJ
gujaf-36	117	5	assumptions	assumption	NOUN
gujaf-36	117	6	of	of	ADP
gujaf-36	117	7	ols	ol	NOUN
gujaf-36	117	8	regression	regression	NOUN
gujaf-36	117	9	with	with	ADP
gujaf-36	117	10	regard	regard	NOUN
gujaf-36	117	11	panel	panel	NOUN
gujaf-36	117	12	data	datum	NOUN
gujaf-36	117	13	require	require	VERB
gujaf-36	117	14	the	the	DET
gujaf-36	117	15	model	model	NOUN
gujaf-36	117	16	to	to	PART
gujaf-36	117	17	be	be	AUX
gujaf-36	117	18	fit	fit	ADJ
gujaf-36	117	19	and	and	CCONJ
gujaf-36	117	20	unbiased	unbiased	ADJ
gujaf-36	117	21	for	for	ADP
gujaf-36	117	22	a	a	DET
gujaf-36	117	23	valid	valid	ADJ
gujaf-36	117	24	interpretations	interpretation	NOUN
gujaf-36	117	25	and	and	CCONJ
gujaf-36	117	26	conclusions	conclusion	NOUN
gujaf-36	117	27	.	.	PUNCT
gujaf-36	118	1	as	as	SCONJ
gujaf-36	118	2	such	such	ADJ
gujaf-36	118	3	this	this	DET
gujaf-36	118	4	study	study	NOUN
gujaf-36	118	5	subjected	subject	VERB
gujaf-36	118	6	the	the	DET
gujaf-36	118	7	model	model	NOUN
gujaf-36	118	8	to	to	ADP
gujaf-36	118	9	other	other	ADJ
gujaf-36	118	10	regression	regression	NOUN
gujaf-36	118	11	models	model	NOUN
gujaf-36	118	12	(	(	PUNCT
gujaf-36	118	13	fixed	fix	VERB
gujaf-36	118	14	and	and	CCONJ
gujaf-36	118	15	random	random	ADJ
gujaf-36	118	16	effects	effect	NOUN
gujaf-36	118	17	)	)	PUNCT
gujaf-36	118	18	in	in	ADP
gujaf-36	118	19	addition	addition	NOUN
gujaf-36	118	20	to	to	ADP
gujaf-36	118	21	ols	ol	NOUN
gujaf-36	118	22	conducted	conduct	VERB
gujaf-36	118	23	and	and	CCONJ
gujaf-36	118	24	correction	correction	NOUN
gujaf-36	118	25	for	for	ADP
gujaf-36	118	26	errors	error	NOUN
gujaf-36	118	27	in	in	ADP
gujaf-36	118	28	the	the	DET
gujaf-36	118	29	model	model	NOUN
gujaf-36	118	30	was	be	AUX
gujaf-36	118	31	done	do	VERB
gujaf-36	118	32	using	use	VERB
gujaf-36	118	33	robust	robust	ADJ
gujaf-36	118	34	model	model	NOUN
gujaf-36	118	35	and	and	CCONJ
gujaf-36	118	36	panels	panel	NOUN
gujaf-36	118	37	corrected	correct	VERB
gujaf-36	118	38	standard	standard	ADJ
gujaf-36	118	39	errors	error	NOUN
gujaf-36	118	40	(	(	PUNCT
gujaf-36	118	41	pcses	pcses	PROPN
gujaf-36	118	42	)	)	PUNCT
gujaf-36	118	43	model	model	NOUN
gujaf-36	118	44	for	for	ADP
gujaf-36	118	45	the	the	DET
gujaf-36	118	46	model	model	NOUN
gujaf-36	118	47	.	.	PUNCT
gujaf-36	119	1	the	the	DET
gujaf-36	119	2	presence	presence	NOUN
gujaf-36	119	3	of	of	ADP
gujaf-36	119	4	heteroskedasticity	heteroskedasticity	NOUN
gujaf-36	119	5	in	in	ADP
gujaf-36	119	6	the	the	DET
gujaf-36	119	7	panel	panel	NOUN
gujaf-36	119	8	for	for	ADP
gujaf-36	119	9	the	the	DET
gujaf-36	119	10	model	model	NOUN
gujaf-36	119	11	indicated	indicate	VERB
gujaf-36	119	12	by	by	ADP
gujaf-36	119	13	the	the	DET
gujaf-36	119	14	breuch	breuch	ADJ
gujaf-36	119	15	pagan	pagan	ADJ
gujaf-36	119	16	/	/	SYM
gujaf-36	119	17	cook	cook	PROPN
gujaf-36	119	18	-	-	PUNCT
gujaf-36	119	19	weisberg	weisberg	PROPN
gujaf-36	119	20	test	test	NOUN
gujaf-36	119	21	for	for	ADP
gujaf-36	119	22	heteroskedasticity	heteroskedasticity	NOUN
gujaf-36	119	23	chi2	chi2	NOUN
gujaf-36	119	24	of	of	ADP
gujaf-36	119	25	27.87with	27.87with	NUM
gujaf-36	119	26	pvalue	pvalue	NOUN
gujaf-36	119	27	of	of	ADP
gujaf-36	119	28	0.0000	0.0000	NUM
gujaf-36	119	29	is	be	AUX
gujaf-36	119	30	significant	significant	ADJ
gujaf-36	119	31	at	at	ADP
gujaf-36	119	32	5	5	NUM
gujaf-36	119	33	%	%	NOUN
gujaf-36	119	34	level	level	NOUN
gujaf-36	119	35	of	of	ADP
gujaf-36	119	36	significance	significance	NOUN
gujaf-36	119	37	.	.	PUNCT
gujaf-36	120	1	this	this	PRON
gujaf-36	120	2	prove	prove	VERB
gujaf-36	120	3	that	that	SCONJ
gujaf-36	120	4	there	there	PRON
gujaf-36	120	5	is	be	VERB
gujaf-36	120	6	presence	presence	NOUN
gujaf-36	120	7	of	of	ADP
gujaf-36	120	8	heteroskedasticity	heteroskedasticity	NOUN
gujaf-36	120	9	in	in	ADP
gujaf-36	120	10	the	the	DET
gujaf-36	120	11	data	datum	NOUN
gujaf-36	120	12	for	for	ADP
gujaf-36	120	13	the	the	DET
gujaf-36	120	14	model	model	NOUN
gujaf-36	120	15	.	.	PUNCT
gujaf-36	121	1	thus	thus	ADV
gujaf-36	121	2	,	,	PUNCT
gujaf-36	121	3	the	the	DET
gujaf-36	121	4	null	null	ADJ
gujaf-36	121	5	hypothesis	hypothesis	NOUN
gujaf-36	121	6	which	which	PRON
gujaf-36	121	7	states	state	VERB
gujaf-36	121	8	that	that	SCONJ
gujaf-36	121	9	the	the	DET
gujaf-36	121	10	residuals	residual	NOUN
gujaf-36	121	11	have	have	VERB
gujaf-36	121	12	no	no	DET
gujaf-36	121	13	constant	constant	ADJ
gujaf-36	121	14	variance	variance	NOUN
gujaf-36	121	15	and	and	CCONJ
gujaf-36	121	16	zero	zero	NUM
gujaf-36	121	17	mean	mean	VERB
gujaf-36	121	18	is	be	AUX
gujaf-36	121	19	not	not	PART
gujaf-36	121	20	rejected	reject	VERB
gujaf-36	121	21	.	.	PUNCT
gujaf-36	122	1	the	the	DET
gujaf-36	122	2	result	result	NOUN
gujaf-36	122	3	from	from	ADP
gujaf-36	122	4	the	the	DET
gujaf-36	122	5	hausman	hausman	NOUN
gujaf-36	122	6	fixed	fix	VERB
gujaf-36	122	7	and	and	CCONJ
gujaf-36	122	8	random	random	ADJ
gujaf-36	122	9	effect	effect	NOUN
gujaf-36	122	10	test	test	NOUN
gujaf-36	122	11	for	for	ADP
gujaf-36	122	12	the	the	DET
gujaf-36	122	13	model	model	NOUN
gujaf-36	122	14	with	with	ADP
gujaf-36	122	15	chi2	chi2	NOUN
gujaf-36	122	16	value	value	NOUN
gujaf-36	122	17	of	of	ADP
gujaf-36	122	18	17.70	17.70	NUM
gujaf-36	122	19	with	with	ADP
gujaf-36	122	20	p	p	NOUN
gujaf-36	122	21	-	-	PUNCT
gujaf-36	122	22	value	value	NOUN
gujaf-36	122	23	of	of	ADP
gujaf-36	122	24	0.0236	0.0236	NUM
gujaf-36	122	25	which	which	PRON
gujaf-36	122	26	is	be	AUX
gujaf-36	122	27	statistically	statistically	ADV
gujaf-36	122	28	significant	significant	ADJ
gujaf-36	122	29	at	at	ADP
gujaf-36	122	30	5	5	NUM
gujaf-36	122	31	%	%	NOUN
gujaf-36	122	32	level	level	NOUN
gujaf-36	122	33	of	of	ADP
gujaf-36	122	34	significance	significance	NOUN
gujaf-36	122	35	.	.	PUNCT
gujaf-36	123	1	this	this	PRON
gujaf-36	123	2	implies	imply	VERB
gujaf-36	123	3	that	that	SCONJ
gujaf-36	123	4	the	the	DET
gujaf-36	123	5	test	test	NOUN
gujaf-36	123	6	considered	consider	VERB
gujaf-36	123	7	the	the	DET
gujaf-36	123	8	fixed	fix	VERB
gujaf-36	123	9	effect	effect	NOUN
gujaf-36	123	10	for	for	ADP
gujaf-36	123	11	the	the	DET
gujaf-36	123	12	model	model	NOUN
gujaf-36	123	13	.	.	PUNCT
gujaf-36	124	1	the	the	DET
gujaf-36	124	2	model	model	NOUN
gujaf-36	124	3	indicates	indicate	VERB
gujaf-36	124	4	fixed	fix	VERB
gujaf-36	124	5	effect	effect	NOUN
gujaf-36	124	6	model	model	NOUN
gujaf-36	124	7	as	as	ADP
gujaf-36	124	8	the	the	DET
gujaf-36	124	9	most	most	ADV
gujaf-36	124	10	appropriate	appropriate	ADJ
gujaf-36	124	11	for	for	ADP
gujaf-36	124	12	the	the	DET
gujaf-36	124	13	study	study	NOUN
gujaf-36	124	14	but	but	CCONJ
gujaf-36	124	15	due	due	ADJ
gujaf-36	124	16	the	the	DET
gujaf-36	124	17	presence	presence	NOUN
gujaf-36	124	18	of	of	ADP
gujaf-36	124	19	heteroscedasticity	heteroscedasticity	NOUN
gujaf-36	124	20	in	in	ADP
gujaf-36	124	21	the	the	DET
gujaf-36	124	22	model	model	NOUN
gujaf-36	124	23	,	,	PUNCT
gujaf-36	124	24	a	a	DET
gujaf-36	124	25	panel	panel	NOUN
gujaf-36	124	26	corrected	correct	VERB
gujaf-36	124	27	standard	standard	ADJ
gujaf-36	124	28	error	error	NOUN
gujaf-36	124	29	(	(	PUNCT
gujaf-36	124	30	pcse	pcse	NOUN
gujaf-36	124	31	)	)	PUNCT
gujaf-36	124	32	model	model	NOUN
gujaf-36	124	33	was	be	AUX
gujaf-36	124	34	conducted	conduct	VERB
gujaf-36	124	35	to	to	PART
gujaf-36	124	36	correct	correct	VERB
gujaf-36	124	37	for	for	ADP
gujaf-36	124	38	heteroscedasticity	heteroscedasticity	NOUN
gujaf-36	124	39	and	and	CCONJ
gujaf-36	124	40	autocorrelation	autocorrelation	NOUN
gujaf-36	124	41	which	which	PRON
gujaf-36	124	42	is	be	AUX
gujaf-36	124	43	meant	mean	VERB
gujaf-36	124	44	to	to	PART
gujaf-36	124	45	be	be	AUX
gujaf-36	124	46	suitable	suitable	ADJ
gujaf-36	124	47	.	.	PUNCT
gujaf-36	125	1	furthermore	furthermore	ADV
gujaf-36	125	2	,	,	PUNCT
gujaf-36	125	3	the	the	DET
gujaf-36	125	4	absence	absence	NOUN
gujaf-36	125	5	of	of	ADP
gujaf-36	125	6	the	the	DET
gujaf-36	125	7	perfect	perfect	ADJ
gujaf-36	125	8	multicolinearity	multicolinearity	NOUN
gujaf-36	125	9	among	among	ADP
gujaf-36	125	10	the	the	DET
gujaf-36	125	11	explanatory	explanatory	ADJ
gujaf-36	125	12	variables	variable	NOUN
gujaf-36	125	13	,	,	PUNCT
gujaf-36	125	14	as	as	SCONJ
gujaf-36	125	15	shown	show	VERB
gujaf-36	125	16	by	by	ADP
gujaf-36	125	17	the	the	DET
gujaf-36	125	18	mean	mean	ADJ
gujaf-36	125	19	vif	vif	NOUN
gujaf-36	125	20	of	of	ADP
gujaf-36	125	21	1.10	1.10	NUM
gujaf-36	125	22	for	for	ADP
gujaf-36	125	23	the	the	DET
gujaf-36	125	24	model	model	NOUN
gujaf-36	125	25	.	.	PUNCT
gujaf-36	126	1	the	the	DET
gujaf-36	126	2	decision	decision	NOUN
gujaf-36	126	3	criterion	criterion	NOUN
gujaf-36	126	4	for	for	ADP
gujaf-36	126	5	the	the	DET
gujaf-36	126	6	variance	variance	NOUN
gujaf-36	126	7	inflation	inflation	NOUN
gujaf-36	126	8	factor	factor	NOUN
gujaf-36	126	9	is	be	AUX
gujaf-36	126	10	that	that	SCONJ
gujaf-36	126	11	a	a	DET
gujaf-36	126	12	value	value	NOUN
gujaf-36	126	13	of	of	ADP
gujaf-36	126	14	10	10	NUM
gujaf-36	126	15	and	and	CCONJ
gujaf-36	126	16	above	above	ADV
gujaf-36	126	17	implies	imply	VERB
gujaf-36	126	18	the	the	DET
gujaf-36	126	19	presence	presence	NOUN
gujaf-36	126	20	of	of	ADP
gujaf-36	126	21	perfect	perfect	ADJ
gujaf-36	126	22	multicollinearity	multicollinearity	NOUN
gujaf-36	126	23	.	.	PUNCT
gujaf-36	127	1	regression	regression	NOUN
gujaf-36	127	2	results	result	NOUN
gujaf-36	127	3	and	and	CCONJ
gujaf-36	127	4	hypotheses	hypothesis	NOUN
gujaf-36	127	5	testing	test	VERB
gujaf-36	127	6	the	the	DET
gujaf-36	127	7	(	(	PUNCT
gujaf-36	127	8	r2	r2	NOUN
gujaf-36	127	9	value	value	NOUN
gujaf-36	127	10	of	of	ADP
gujaf-36	127	11	0.299	0.299	NUM
gujaf-36	127	12	)	)	PUNCT
gujaf-36	127	13	which	which	PRON
gujaf-36	127	14	is	be	AUX
gujaf-36	127	15	explained	explain	VERB
gujaf-36	127	16	around	around	ADP
gujaf-36	127	17	30	30	NUM
gujaf-36	127	18	%	%	NOUN
gujaf-36	127	19	of	of	ADP
gujaf-36	127	20	total	total	ADJ
gujaf-36	127	21	variation	variation	NOUN
gujaf-36	127	22	in	in	ADP
gujaf-36	127	23	the	the	DET
gujaf-36	127	24	profitability	profitability	NOUN
gujaf-36	127	25	as	as	SCONJ
gujaf-36	127	26	measured	measure	VERB
gujaf-36	127	27	by	by	ADP
gujaf-36	127	28	profit	profit	NOUN
gujaf-36	127	29	before	before	ADP
gujaf-36	127	30	tax	tax	NOUN
gujaf-36	127	31	(	(	PUNCT
gujaf-36	127	32	pbt	pbt	PROPN
gujaf-36	127	33	)	)	PUNCT
gujaf-36	127	34	is	be	AUX
gujaf-36	127	35	caused	cause	VERB
gujaf-36	127	36	by	by	ADP
gujaf-36	127	37	liquidity	liquidity	NOUN
gujaf-36	127	38	risk	risk	NOUN
gujaf-36	127	39	,	,	PUNCT
gujaf-36	127	40	credit	credit	NOUN
gujaf-36	127	41	risk	risk	NOUN
gujaf-36	127	42	,	,	PUNCT
gujaf-36	127	43	operating	operating	NOUN
gujaf-36	127	44	risk	risk	NOUN
gujaf-36	127	45	,	,	PUNCT
gujaf-36	127	46	bank	bank	NOUN
gujaf-36	127	47	size	size	NOUN
gujaf-36	127	48	and	and	CCONJ
gujaf-36	127	49	board	board	NOUN
gujaf-36	127	50	gender	gender	NOUN
gujaf-36	127	51	.	.	PUNCT
gujaf-36	128	1	the	the	DET
gujaf-36	128	2	table	table	NOUN
gujaf-36	128	3	also	also	ADV
gujaf-36	128	4	shows	show	VERB
gujaf-36	128	5	that	that	SCONJ
gujaf-36	128	6	the	the	DET
gujaf-36	128	7	model	model	NOUN
gujaf-36	128	8	is	be	AUX
gujaf-36	128	9	fitted	fit	VERB
gujaf-36	128	10	from	from	ADP
gujaf-36	128	11	the	the	DET
gujaf-36	128	12	f	f	NOUN
gujaf-36	128	13	-	-	PUNCT
gujaf-36	128	14	statistic	statistic	NOUN
gujaf-36	128	15	of	of	ADP
gujaf-36	128	16	6.68	6.68	NUM
gujaf-36	128	17	and	and	CCONJ
gujaf-36	128	18	the	the	DET
gujaf-36	128	19	p	p	NOUN
gujaf-36	128	20	-	-	PUNCT
gujaf-36	128	21	value	value	NOUN
gujaf-36	128	22	of	of	ADP
gujaf-36	128	23	0.0000	0.0000	NUM
gujaf-36	128	24	which	which	PRON
gujaf-36	128	25	is	be	AUX
gujaf-36	128	26	statistically	statistically	ADV
gujaf-36	128	27	significant	significant	ADJ
gujaf-36	128	28	at	at	ADP
gujaf-36	128	29	1	1	NUM
gujaf-36	128	30	%	%	NOUN
gujaf-36	128	31	level	level	NOUN
gujaf-36	128	32	of	of	ADP
gujaf-36	128	33	significance	significance	NOUN
gujaf-36	128	34	.	.	PUNCT
gujaf-36	129	1	gusau	gusau	ADJ
gujaf-36	129	2	journal	journal	PROPN
gujaf-36	129	3	of	of	ADP
gujaf-36	129	4	accounting	accounting	NOUN
gujaf-36	129	5	and	and	CCONJ
gujaf-36	129	6	finance	finance	NOUN
gujaf-36	129	7	,	,	PUNCT
gujaf-36	129	8	vol	vol	NOUN
gujaf-36	129	9	.	.	PUNCT
gujaf-36	130	1	i	i	PRON
gujaf-36	130	2	,	,	PUNCT
gujaf-36	130	3	issue	issue	NOUN
gujaf-36	130	4	2	2	NUM
gujaf-36	130	5	,	,	PUNCT
gujaf-36	130	6	october	october	PROPN
gujaf-36	130	7	,	,	PUNCT
gujaf-36	130	8	2020	2020	NUM
gujaf-36	130	9	10	10	NUM
gujaf-36	130	10	summary	summary	NOUN
gujaf-36	130	11	of	of	ADP
gujaf-36	130	12	pcses	pcse	NOUN
gujaf-36	130	13	regression	regression	NOUN
gujaf-36	130	14	result	result	NOUN
gujaf-36	130	15	.	.	PUNCT
gujaf-36	131	1	variables	variable	NOUN
gujaf-36	131	2	coefficient	coefficient	VERB
gujaf-36	131	3	z	z	NOUN
gujaf-36	131	4	-	-	PUNCT
gujaf-36	131	5	value	value	NOUN
gujaf-36	131	6	p	p	NOUN
gujaf-36	131	7	-	-	PUNCT
gujaf-36	131	8	value	value	NOUN
gujaf-36	131	9	.	.	PUNCT
gujaf-36	132	1	liquidity	liquidity	NOUN
gujaf-36	132	2	risk	risk	NOUN
gujaf-36	132	3	7.455	7.455	NUM
gujaf-36	132	4	1.20	1.20	NUM
gujaf-36	132	5	0.229	0.229	NUM
gujaf-36	132	6	credit	credit	NOUN
gujaf-36	132	7	risk	risk	NOUN
gujaf-36	132	8	13.844	13.844	NUM
gujaf-36	132	9	0.78	0.78	NUM
gujaf-36	132	10	0.435	0.435	NUM
gujaf-36	132	11	operating	operating	NOUN
gujaf-36	132	12	risk	risk	NOUN
gujaf-36	132	13	-6.351	-6.351	NOUN
gujaf-36	132	14	-2.67	-2.67	NOUN
gujaf-36	132	15	0.008	0.008	NUM
gujaf-36	132	16	bank	bank	NOUN
gujaf-36	132	17	size	size	NOUN
gujaf-36	132	18	0.139	0.139	NUM
gujaf-36	132	19	0.60	0.60	NUM
gujaf-36	132	20	0.547	0.547	NUM
gujaf-36	132	21	board	board	NOUN
gujaf-36	132	22	gender	gender	NOUN
gujaf-36	132	23	40.917	40.917	NUM
gujaf-36	132	24	2.08	2.08	NUM
gujaf-36	132	25	0.038	0.038	NUM
gujaf-36	132	26	lrg	lrg	PROPN
gujaf-36	132	27	-27.397	-27.397	PROPN
gujaf-36	132	28	-1.09	-1.09	PROPN
gujaf-36	132	29	0.276	0.276	NUM
gujaf-36	132	30	crg	crg	NOUN
gujaf-36	132	31	-168.190	-168.190	PROPN
gujaf-36	132	32	-2.29	-2.29	NOUN
gujaf-36	132	33	0.022	0.022	NUM
gujaf-36	132	34	oprg	oprg	PROPN
gujaf-36	132	35	-22.549	-22.549	PROPN
gujaf-36	132	36	-2.28	-2.28	PROPN
gujaf-36	132	37	0.022	0.022	NUM
gujaf-36	132	38	constant	constant	ADJ
gujaf-36	132	39	4.833	4.833	NUM
gujaf-36	132	40	0.66	0.66	NUM
gujaf-36	132	41	0.509	0.509	NUM
gujaf-36	132	42	r2	r2	NOUN
gujaf-36	132	43	0.3482	0.3482	NUM
gujaf-36	132	44	f	f	X
gujaf-36	132	45	-	-	PUNCT
gujaf-36	132	46	statistic	statistic	NOUN
gujaf-36	132	47	(	(	PUNCT
gujaf-36	132	48	wald	wald	X
gujaf-36	132	49	)	)	PUNCT
gujaf-36	132	50	62.28	62.28	NUM
gujaf-36	132	51	0.0000	0.0000	NUM
gujaf-36	132	52	sources	source	NOUN
gujaf-36	132	53	:	:	PUNCT
gujaf-36	132	54	output	output	NOUN
gujaf-36	132	55	generated	generate	VERB
gujaf-36	132	56	using	use	VERB
gujaf-36	132	57	stata	stata	NOUN
gujaf-36	132	58	13	13	NUM
gujaf-36	132	59	financial	financial	ADJ
gujaf-36	132	60	risk	risk	NOUN
gujaf-36	132	61	has	have	VERB
gujaf-36	132	62	no	no	DET
gujaf-36	132	63	significant	significant	ADJ
gujaf-36	132	64	effect	effect	NOUN
gujaf-36	132	65	on	on	ADP
gujaf-36	132	66	profitability	profitability	NOUN
gujaf-36	132	67	the	the	DET
gujaf-36	132	68	result	result	NOUN
gujaf-36	132	69	of	of	ADP
gujaf-36	132	70	the	the	DET
gujaf-36	132	71	study	study	NOUN
gujaf-36	132	72	revealed	reveal	VERB
gujaf-36	132	73	a	a	DET
gujaf-36	132	74	beta	beta	ADJ
gujaf-36	132	75	coefficient	coefficient	NOUN
gujaf-36	132	76	(	(	PUNCT
gujaf-36	132	77	β	β	NOUN
gujaf-36	132	78	)	)	PUNCT
gujaf-36	132	79	of	of	ADP
gujaf-36	132	80	7.455447	7.455447	NUM
gujaf-36	132	81	and	and	CCONJ
gujaf-36	132	82	p	p	NOUN
gujaf-36	132	83	-	-	PUNCT
gujaf-36	132	84	value	value	NOUN
gujaf-36	132	85	of	of	ADP
gujaf-36	132	86	0.229	0.229	NUM
gujaf-36	132	87	at	at	ADP
gujaf-36	132	88	5	5	NUM
gujaf-36	132	89	%	%	NOUN
gujaf-36	132	90	level	level	NOUN
gujaf-36	132	91	of	of	ADP
gujaf-36	132	92	significance	significance	NOUN
gujaf-36	132	93	.	.	PUNCT
gujaf-36	133	1	the	the	DET
gujaf-36	133	2	null	null	ADJ
gujaf-36	133	3	hypothesis	hypothesis	NOUN
gujaf-36	133	4	was	be	AUX
gujaf-36	133	5	not	not	PART
gujaf-36	133	6	rejected	reject	VERB
gujaf-36	133	7	and	and	CCONJ
gujaf-36	133	8	concluded	conclude	VERB
gujaf-36	133	9	that	that	SCONJ
gujaf-36	133	10	bank	bank	NOUN
gujaf-36	133	11	liquidity	liquidity	NOUN
gujaf-36	133	12	risk	risk	NOUN
gujaf-36	133	13	has	have	VERB
gujaf-36	133	14	no	no	DET
gujaf-36	133	15	significant	significant	ADJ
gujaf-36	133	16	effect	effect	NOUN
gujaf-36	133	17	on	on	ADP
gujaf-36	133	18	the	the	DET
gujaf-36	133	19	study	study	NOUN
gujaf-36	133	20	banks	bank	NOUN
gujaf-36	133	21	profitability	profitability	NOUN
gujaf-36	133	22	.	.	PUNCT
gujaf-36	134	1	this	this	DET
gujaf-36	134	2	finding	finding	NOUN
gujaf-36	134	3	is	be	AUX
gujaf-36	134	4	aligned	align	VERB
gujaf-36	134	5	with	with	ADP
gujaf-36	134	6	the	the	DET
gujaf-36	134	7	study	study	NOUN
gujaf-36	134	8	results	result	NOUN
gujaf-36	134	9	of	of	ADP
gujaf-36	134	10	(	(	PUNCT
gujaf-36	134	11	ail	ail	INTJ
gujaf-36	134	12	,	,	PUNCT
gujaf-36	134	13	tabari	tabari	PROPN
gujaf-36	134	14	,	,	PUNCT
gujaf-36	134	15	ahmadi	ahmadi	PROPN
gujaf-36	134	16	,	,	PUNCT
gujaf-36	134	17	&	&	CCONJ
gujaf-36	134	18	emami	emami	PROPN
gujaf-36	134	19	,	,	PUNCT
gujaf-36	134	20	2013	2013	NUM
gujaf-36	134	21	)	)	PUNCT
gujaf-36	134	22	.	.	PUNCT
gujaf-36	135	1	furthermore	furthermore	ADV
gujaf-36	135	2	,	,	PUNCT
gujaf-36	135	3	the	the	DET
gujaf-36	135	4	credit	credit	NOUN
gujaf-36	135	5	risk	risk	NOUN
gujaf-36	135	6	has	have	VERB
gujaf-36	135	7	a	a	DET
gujaf-36	135	8	beta	beta	ADJ
gujaf-36	135	9	coefficient	coefficient	NOUN
gujaf-36	135	10	of	of	ADP
gujaf-36	135	11	13.84442	13.84442	NUM
gujaf-36	135	12	at	at	ADP
gujaf-36	135	13	a	a	DET
gujaf-36	135	14	p	p	NOUN
gujaf-36	135	15	-	-	PUNCT
gujaf-36	135	16	value	value	NOUN
gujaf-36	135	17	of	of	ADP
gujaf-36	135	18	0.435	0.435	NUM
gujaf-36	135	19	which	which	PRON
gujaf-36	135	20	is	be	AUX
gujaf-36	135	21	insignificant	insignificant	ADJ
gujaf-36	135	22	at	at	ADP
gujaf-36	135	23	5	5	NUM
gujaf-36	135	24	%	%	NOUN
gujaf-36	135	25	level	level	NOUN
gujaf-36	135	26	of	of	ADP
gujaf-36	135	27	significance	significance	NOUN
gujaf-36	135	28	.	.	PUNCT
gujaf-36	136	1	the	the	DET
gujaf-36	136	2	study	study	NOUN
gujaf-36	136	3	with	with	ADP
gujaf-36	136	4	the	the	DET
gujaf-36	136	5	research	research	NOUN
gujaf-36	136	6	work	work	NOUN
gujaf-36	136	7	of	of	ADP
gujaf-36	136	8	(	(	PUNCT
gujaf-36	136	9	makokha	makokha	NOUN
gujaf-36	136	10	et	et	PROPN
gujaf-36	136	11	al	al	PROPN
gujaf-36	136	12	.	.	PROPN
gujaf-36	136	13	,	,	PUNCT
gujaf-36	136	14	2016	2016	NUM
gujaf-36	136	15	)	)	PUNCT
gujaf-36	136	16	,	,	PUNCT
gujaf-36	136	17	(	(	PUNCT
gujaf-36	136	18	bogale	bogale	NOUN
gujaf-36	136	19	,	,	PUNCT
gujaf-36	136	20	2019	2019	NUM
gujaf-36	136	21	)	)	PUNCT
gujaf-36	136	22	,	,	PUNCT
gujaf-36	136	23	however	however	ADV
gujaf-36	136	24	,	,	PUNCT
gujaf-36	136	25	the	the	DET
gujaf-36	136	26	study	study	NOUN
gujaf-36	136	27	contradicted	contradict	VERB
gujaf-36	136	28	the	the	DET
gujaf-36	136	29	work	work	NOUN
gujaf-36	136	30	of	of	ADP
gujaf-36	136	31	(	(	PUNCT
gujaf-36	136	32	gathigiamuriithi	gathigiamuriithi	X
gujaf-36	136	33	et	et	PROPN
gujaf-36	136	34	al	al	PROPN
gujaf-36	136	35	.	.	PROPN
gujaf-36	136	36	,	,	PUNCT
gujaf-36	136	37	2016	2016	NUM
gujaf-36	136	38	)	)	PUNCT
gujaf-36	136	39	(	(	PUNCT
gujaf-36	136	40	hamza	hamza	PROPN
gujaf-36	136	41	,	,	PUNCT
gujaf-36	136	42	2017	2017	NUM
gujaf-36	136	43	)	)	PUNCT
gujaf-36	136	44	,	,	PUNCT
gujaf-36	136	45	(	(	PUNCT
gujaf-36	136	46	serwadda	serwadda	ADV
gujaf-36	136	47	,	,	PUNCT
gujaf-36	136	48	2018	2018	NUM
gujaf-36	136	49	)	)	PUNCT
gujaf-36	136	50	.	.	PUNCT
gujaf-36	137	1	operating	operate	VERB
gujaf-36	137	2	risk	risk	NOUN
gujaf-36	137	3	reveals	reveal	VERB
gujaf-36	137	4	a	a	DET
gujaf-36	137	5	beta	beta	ADJ
gujaf-36	137	6	coefficient	coefficient	NOUN
gujaf-36	137	7	of	of	ADP
gujaf-36	137	8	-6.351913	-6.351913	PROPN
gujaf-36	137	9	with	with	ADP
gujaf-36	137	10	p	p	NOUN
gujaf-36	137	11	-	-	PUNCT
gujaf-36	137	12	value	value	NOUN
gujaf-36	137	13	of	of	ADP
gujaf-36	137	14	0.00	0.00	NUM
gujaf-36	137	15	.	.	PUNCT
gujaf-36	138	1	this	this	PRON
gujaf-36	138	2	implies	imply	VERB
gujaf-36	138	3	that	that	SCONJ
gujaf-36	138	4	operating	operate	VERB
gujaf-36	138	5	risk	risk	NOUN
gujaf-36	138	6	has	have	VERB
gujaf-36	138	7	a	a	DET
gujaf-36	138	8	significant	significant	ADJ
gujaf-36	138	9	negative	negative	ADJ
gujaf-36	138	10	effect	effect	NOUN
gujaf-36	138	11	on	on	ADP
gujaf-36	138	12	the	the	DET
gujaf-36	138	13	profitability	profitability	NOUN
gujaf-36	138	14	of	of	ADP
gujaf-36	138	15	listed	list	VERB
gujaf-36	138	16	deposit	deposit	NOUN
gujaf-36	138	17	money	money	NOUN
gujaf-36	138	18	banks	bank	NOUN
gujaf-36	138	19	in	in	ADP
gujaf-36	138	20	nigeria	nigeria	PROPN
gujaf-36	138	21	.	.	PUNCT
gujaf-36	139	1	this	this	PRON
gujaf-36	139	2	means	mean	VERB
gujaf-36	139	3	that	that	SCONJ
gujaf-36	139	4	a	a	DET
gujaf-36	139	5	1	1	NUM
gujaf-36	139	6	%	%	NOUN
gujaf-36	139	7	increase	increase	NOUN
gujaf-36	139	8	in	in	ADP
gujaf-36	139	9	operating	operate	VERB
gujaf-36	139	10	risk	risk	NOUN
gujaf-36	139	11	will	will	AUX
gujaf-36	139	12	result	result	VERB
gujaf-36	139	13	to	to	ADP
gujaf-36	139	14	6	6	NUM
gujaf-36	139	15	%	%	NOUN
gujaf-36	139	16	decreases	decrease	NOUN
gujaf-36	139	17	in	in	ADP
gujaf-36	139	18	bank	bank	NOUN
gujaf-36	139	19	profitability	profitability	NOUN
gujaf-36	139	20	.	.	PUNCT
gujaf-36	140	1	this	this	PRON
gujaf-36	140	2	supports	support	VERB
gujaf-36	140	3	the	the	DET
gujaf-36	140	4	findings	finding	NOUN
gujaf-36	140	5	of	of	ADP
gujaf-36	140	6	bogale	bogale	NOUN
gujaf-36	140	7	,	,	PUNCT
gujaf-36	140	8	(	(	PUNCT
gujaf-36	140	9	2019	2019	NUM
gujaf-36	140	10	)	)	PUNCT
gujaf-36	140	11	who	who	PRON
gujaf-36	140	12	found	find	VERB
gujaf-36	140	13	an	an	DET
gujaf-36	140	14	insignificant	insignificant	ADJ
gujaf-36	140	15	and	and	CCONJ
gujaf-36	140	16	positive	positive	ADJ
gujaf-36	140	17	effect	effect	NOUN
gujaf-36	140	18	of	of	ADP
gujaf-36	140	19	operating	operate	VERB
gujaf-36	140	20	risk	risk	NOUN
gujaf-36	140	21	on	on	ADP
gujaf-36	140	22	profitability	profitability	NOUN
gujaf-36	140	23	,	,	PUNCT
gujaf-36	140	24	but	but	CCONJ
gujaf-36	140	25	contradicts	contradict	VERB
gujaf-36	140	26	the	the	DET
gujaf-36	140	27	findings	finding	NOUN
gujaf-36	140	28	of	of	ADP
gujaf-36	140	29	however	however	ADV
gujaf-36	140	30	did	do	AUX
gujaf-36	140	31	not	not	PART
gujaf-36	140	32	allied	ally	VERB
gujaf-36	140	33	with	with	ADP
gujaf-36	140	34	the	the	DET
gujaf-36	140	35	research	research	NOUN
gujaf-36	140	36	work	work	NOUN
gujaf-36	140	37	of	of	ADP
gujaf-36	140	38	(	(	PUNCT
gujaf-36	140	39	makokha	makokha	NOUN
gujaf-36	140	40	et	et	PROPN
gujaf-36	140	41	al	al	PROPN
gujaf-36	140	42	.	.	PROPN
gujaf-36	140	43	,	,	PUNCT
gujaf-36	140	44	2016	2016	NUM
gujaf-36	140	45	)	)	PUNCT
gujaf-36	140	46	.	.	PUNCT
gujaf-36	141	1	for	for	ADP
gujaf-36	141	2	liquidity	liquidity	NOUN
gujaf-36	141	3	risk	risk	NOUN
gujaf-36	141	4	,	,	PUNCT
gujaf-36	141	5	the	the	DET
gujaf-36	141	6	study	study	NOUN
gujaf-36	141	7	reveals	reveal	VERB
gujaf-36	141	8	an	an	DET
gujaf-36	141	9	interactive	interactive	ADJ
gujaf-36	141	10	variable	variable	NOUN
gujaf-36	141	11	between	between	ADP
gujaf-36	141	12	board	board	NOUN
gujaf-36	141	13	gender	gender	NOUN
gujaf-36	141	14	and	and	CCONJ
gujaf-36	141	15	liquidity	liquidity	NOUN
gujaf-36	141	16	risk	risk	NOUN
gujaf-36	141	17	is	be	AUX
gujaf-36	141	18	negative	negative	ADJ
gujaf-36	141	19	and	and	CCONJ
gujaf-36	141	20	insignificant	insignificant	ADJ
gujaf-36	141	21	on	on	ADP
gujaf-36	141	22	profitability	profitability	NOUN
gujaf-36	141	23	with	with	ADP
gujaf-36	141	24	a	a	DET
gujaf-36	141	25	coefficient	coefficient	NOUN
gujaf-36	141	26	gusau	gusau	ADJ
gujaf-36	141	27	journal	journal	NOUN
gujaf-36	141	28	of	of	ADP
gujaf-36	141	29	accounting	accounting	NOUN
gujaf-36	141	30	and	and	CCONJ
gujaf-36	141	31	finance	finance	NOUN
gujaf-36	141	32	,	,	PUNCT
gujaf-36	141	33	vol	vol	NOUN
gujaf-36	141	34	.	.	PUNCT
gujaf-36	142	1	i	i	PRON
gujaf-36	142	2	,	,	PUNCT
gujaf-36	142	3	issue	issue	NOUN
gujaf-36	142	4	2	2	NUM
gujaf-36	142	5	,	,	PUNCT
gujaf-36	142	6	october	october	PROPN
gujaf-36	142	7	,	,	PUNCT
gujaf-36	142	8	2020	2020	NUM
gujaf-36	142	9	11	11	NUM
gujaf-36	142	10	value	value	NOUN
gujaf-36	142	11	of	of	ADP
gujaf-36	142	12	27.397	27.397	NUM
gujaf-36	142	13	with	with	ADP
gujaf-36	142	14	the	the	DET
gujaf-36	142	15	p	p	NOUN
gujaf-36	142	16	-	-	PUNCT
gujaf-36	142	17	value	value	NOUN
gujaf-36	142	18	of	of	ADP
gujaf-36	142	19	0.276	0.276	NUM
gujaf-36	142	20	.	.	PUNCT
gujaf-36	143	1	the	the	DET
gujaf-36	143	2	study	study	NOUN
gujaf-36	143	3	is	be	AUX
gujaf-36	143	4	supported	support	VERB
gujaf-36	143	5	by	by	ADP
gujaf-36	143	6	the	the	DET
gujaf-36	143	7	finance	finance	NOUN
gujaf-36	143	8	distress	distress	NOUN
gujaf-36	143	9	theory	theory	NOUN
gujaf-36	143	10	.	.	PUNCT
gujaf-36	144	1	furthermore	furthermore	ADV
gujaf-36	144	2	,	,	PUNCT
gujaf-36	144	3	for	for	ADP
gujaf-36	144	4	credit	credit	NOUN
gujaf-36	144	5	risk	risk	NOUN
gujaf-36	144	6	,	,	PUNCT
gujaf-36	144	7	the	the	DET
gujaf-36	144	8	regression	regression	NOUN
gujaf-36	144	9	result	result	NOUN
gujaf-36	144	10	reveals	reveal	VERB
gujaf-36	144	11	an	an	DET
gujaf-36	144	12	interactive	interactive	ADJ
gujaf-36	144	13	variable	variable	NOUN
gujaf-36	144	14	between	between	ADP
gujaf-36	144	15	board	board	NOUN
gujaf-36	144	16	gender	gender	NOUN
gujaf-36	144	17	and	and	CCONJ
gujaf-36	144	18	credit	credit	NOUN
gujaf-36	144	19	risk	risk	NOUN
gujaf-36	144	20	is	be	AUX
gujaf-36	144	21	negative	negative	ADJ
gujaf-36	144	22	and	and	CCONJ
gujaf-36	144	23	significant	significant	ADJ
gujaf-36	144	24	on	on	ADP
gujaf-36	144	25	profitability	profitability	NOUN
gujaf-36	144	26	with	with	ADP
gujaf-36	144	27	a	a	DET
gujaf-36	144	28	coefficient	coefficient	NOUN
gujaf-36	144	29	value	value	NOUN
gujaf-36	144	30	of	of	ADP
gujaf-36	144	31	-168.190	-168.190	PROPN
gujaf-36	144	32	and	and	CCONJ
gujaf-36	144	33	p	p	NOUN
gujaf-36	144	34	-	-	PUNCT
gujaf-36	144	35	value	value	NOUN
gujaf-36	144	36	of	of	ADP
gujaf-36	144	37	0.022	0.022	NUM
gujaf-36	144	38	.	.	PUNCT
gujaf-36	145	1	this	this	PRON
gujaf-36	145	2	implies	imply	VERB
gujaf-36	145	3	that	that	SCONJ
gujaf-36	145	4	the	the	DET
gujaf-36	145	5	female	female	ADJ
gujaf-36	145	6	board	board	NOUN
gujaf-36	145	7	member	member	NOUN
gujaf-36	145	8	in	in	ADP
gujaf-36	145	9	the	the	DET
gujaf-36	145	10	board	board	NOUN
gujaf-36	145	11	structure	structure	NOUN
gujaf-36	145	12	has	have	AUX
gujaf-36	145	13	not	not	PART
gujaf-36	145	14	properly	properly	ADV
gujaf-36	145	15	manage	manage	VERB
gujaf-36	145	16	the	the	DET
gujaf-36	145	17	bank	bank	NOUN
gujaf-36	145	18	non	non	ADJ
gujaf-36	145	19	-	-	ADJ
gujaf-36	145	20	performing	perform	VERB
gujaf-36	145	21	loan	loan	NOUN
gujaf-36	145	22	and	and	CCONJ
gujaf-36	145	23	this	this	PRON
gujaf-36	145	24	has	have	AUX
gujaf-36	145	25	negatively	negatively	ADV
gujaf-36	145	26	affected	affect	VERB
gujaf-36	145	27	the	the	DET
gujaf-36	145	28	bank	bank	NOUN
gujaf-36	145	29	profitability	profitability	NOUN
gujaf-36	145	30	.	.	PUNCT
gujaf-36	146	1	this	this	PRON
gujaf-36	146	2	means	mean	VERB
gujaf-36	146	3	that	that	SCONJ
gujaf-36	146	4	female	female	ADJ
gujaf-36	146	5	board	board	NOUN
gujaf-36	146	6	member	member	NOUN
gujaf-36	146	7	are	be	AUX
gujaf-36	146	8	not	not	PART
gujaf-36	146	9	strengthens	strengthen	VERB
gujaf-36	146	10	the	the	DET
gujaf-36	146	11	relationship	relationship	NOUN
gujaf-36	146	12	between	between	ADP
gujaf-36	146	13	the	the	DET
gujaf-36	146	14	credit	credit	NOUN
gujaf-36	146	15	risk	risk	NOUN
gujaf-36	146	16	and	and	CCONJ
gujaf-36	146	17	profitability	profitability	NOUN
gujaf-36	146	18	,	,	PUNCT
gujaf-36	146	19	also	also	ADV
gujaf-36	146	20	negatively	negatively	ADV
gujaf-36	146	21	affecting	affect	VERB
gujaf-36	146	22	bank	bank	NOUN
gujaf-36	146	23	performance	performance	NOUN
gujaf-36	146	24	.	.	PUNCT
gujaf-36	147	1	thus	thus	ADV
gujaf-36	147	2	,	,	PUNCT
gujaf-36	147	3	the	the	DET
gujaf-36	147	4	study	study	NOUN
gujaf-36	147	5	rejects	reject	VERB
gujaf-36	147	6	the	the	DET
gujaf-36	147	7	hypothesis	hypothesis	NOUN
gujaf-36	147	8	.	.	PUNCT
gujaf-36	148	1	the	the	DET
gujaf-36	148	2	study	study	NOUN
gujaf-36	148	3	is	be	AUX
gujaf-36	148	4	supported	support	VERB
gujaf-36	148	5	by	by	ADP
gujaf-36	148	6	the	the	DET
gujaf-36	148	7	finance	finance	NOUN
gujaf-36	148	8	distress	distress	NOUN
gujaf-36	148	9	theory	theory	NOUN
gujaf-36	148	10	.	.	PUNCT
gujaf-36	149	1	in	in	ADP
gujaf-36	149	2	the	the	DET
gujaf-36	149	3	case	case	NOUN
gujaf-36	149	4	of	of	ADP
gujaf-36	149	5	operational	operational	ADJ
gujaf-36	149	6	risk	risk	NOUN
gujaf-36	149	7	,	,	PUNCT
gujaf-36	149	8	the	the	DET
gujaf-36	149	9	study	study	NOUN
gujaf-36	149	10	a	a	DET
gujaf-36	149	11	reveal	reveal	VERB
gujaf-36	149	12	an	an	DET
gujaf-36	149	13	interactive	interactive	ADJ
gujaf-36	149	14	variable	variable	NOUN
gujaf-36	149	15	between	between	ADP
gujaf-36	149	16	board	board	NOUN
gujaf-36	149	17	gender	gender	NOUN
gujaf-36	149	18	and	and	CCONJ
gujaf-36	149	19	operating	operating	NOUN
gujaf-36	149	20	risk	risk	NOUN
gujaf-36	149	21	is	be	AUX
gujaf-36	149	22	negative	negative	ADJ
gujaf-36	149	23	and	and	CCONJ
gujaf-36	149	24	significant	significant	ADJ
gujaf-36	149	25	on	on	ADP
gujaf-36	149	26	profitability	profitability	NOUN
gujaf-36	149	27	with	with	ADP
gujaf-36	149	28	a	a	DET
gujaf-36	149	29	coefficient	coefficient	NOUN
gujaf-36	149	30	value	value	NOUN
gujaf-36	149	31	of	of	ADP
gujaf-36	149	32	-22.549	-22.549	PROPN
gujaf-36	149	33	with	with	ADP
gujaf-36	149	34	a	a	DET
gujaf-36	149	35	p	p	NOUN
gujaf-36	149	36	-	-	PUNCT
gujaf-36	149	37	value	value	NOUN
gujaf-36	149	38	of	of	ADP
gujaf-36	149	39	0.022	0.022	NUM
gujaf-36	149	40	.	.	PUNCT
gujaf-36	150	1	this	this	PRON
gujaf-36	150	2	implies	imply	VERB
gujaf-36	150	3	that	that	SCONJ
gujaf-36	150	4	female	female	ADJ
gujaf-36	150	5	board	board	NOUN
gujaf-36	150	6	member	member	NOUN
gujaf-36	150	7	in	in	ADP
gujaf-36	150	8	the	the	DET
gujaf-36	150	9	board	board	NOUN
gujaf-36	150	10	structure	structure	NOUN
gujaf-36	150	11	has	have	VERB
gujaf-36	150	12	significant	significant	ADJ
gujaf-36	150	13	role	role	NOUN
gujaf-36	150	14	on	on	ADP
gujaf-36	150	15	operating	operate	VERB
gujaf-36	150	16	risk	risk	NOUN
gujaf-36	150	17	,	,	PUNCT
gujaf-36	150	18	and	and	CCONJ
gujaf-36	150	19	this	this	PRON
gujaf-36	150	20	has	have	AUX
gujaf-36	150	21	reduced	reduce	VERB
gujaf-36	150	22	the	the	DET
gujaf-36	150	23	profitability	profitability	NOUN
gujaf-36	150	24	of	of	ADP
gujaf-36	150	25	the	the	DET
gujaf-36	150	26	study	study	NOUN
gujaf-36	150	27	banks	bank	NOUN
gujaf-36	150	28	by	by	ADP
gujaf-36	150	29	22	22	NUM
gujaf-36	150	30	%	%	NOUN
gujaf-36	150	31	.	.	PUNCT
gujaf-36	151	1	this	this	PRON
gujaf-36	151	2	means	mean	VERB
gujaf-36	151	3	that	that	SCONJ
gujaf-36	151	4	female	female	ADJ
gujaf-36	151	5	board	board	NOUN
gujaf-36	151	6	member	member	NOUN
gujaf-36	151	7	contributes	contribute	VERB
gujaf-36	151	8	negatively	negatively	ADV
gujaf-36	151	9	on	on	ADP
gujaf-36	151	10	the	the	DET
gujaf-36	151	11	relationship	relationship	NOUN
gujaf-36	151	12	between	between	ADP
gujaf-36	151	13	the	the	DET
gujaf-36	151	14	operating	operate	VERB
gujaf-36	151	15	risk	risk	NOUN
gujaf-36	151	16	and	and	CCONJ
gujaf-36	151	17	profitability	profitability	NOUN
gujaf-36	151	18	,	,	PUNCT
gujaf-36	151	19	also	also	ADV
gujaf-36	151	20	negatively	negatively	ADV
gujaf-36	151	21	affecting	affect	VERB
gujaf-36	151	22	bank	bank	NOUN
gujaf-36	151	23	performance	performance	NOUN
gujaf-36	151	24	.	.	PUNCT
gujaf-36	152	1	thus	thus	ADV
gujaf-36	152	2	,	,	PUNCT
gujaf-36	152	3	the	the	DET
gujaf-36	152	4	study	study	NOUN
gujaf-36	152	5	rejects	reject	VERB
gujaf-36	152	6	the	the	DET
gujaf-36	152	7	hypothesis	hypothesis	NOUN
gujaf-36	152	8	.	.	PUNCT
gujaf-36	153	1	the	the	DET
gujaf-36	153	2	study	study	NOUN
gujaf-36	153	3	is	be	AUX
gujaf-36	153	4	supported	support	VERB
gujaf-36	153	5	by	by	ADP
gujaf-36	153	6	the	the	DET
gujaf-36	153	7	finance	finance	NOUN
gujaf-36	153	8	distress	distress	NOUN
gujaf-36	153	9	theory	theory	NOUN
gujaf-36	153	10	.	.	PUNCT
gujaf-36	154	1	5	5	X
gujaf-36	154	2	.	.	X
gujaf-36	154	3	conclusions	conclusion	NOUN
gujaf-36	154	4	and	and	CCONJ
gujaf-36	154	5	recommendations	recommendation	NOUN
gujaf-36	154	6	this	this	DET
gujaf-36	154	7	study	study	NOUN
gujaf-36	154	8	concluded	conclude	VERB
gujaf-36	154	9	the	the	DET
gujaf-36	154	10	interaction	interaction	NOUN
gujaf-36	154	11	between	between	ADP
gujaf-36	154	12	female	female	ADJ
gujaf-36	154	13	board	board	NOUN
gujaf-36	154	14	director	director	NOUN
gujaf-36	154	15	and	and	CCONJ
gujaf-36	154	16	credit	credit	NOUN
gujaf-36	154	17	risk	risk	NOUN
gujaf-36	154	18	and	and	CCONJ
gujaf-36	154	19	operating	operating	NOUN
gujaf-36	154	20	risk	risk	NOUN
gujaf-36	154	21	was	be	AUX
gujaf-36	154	22	found	find	VERB
gujaf-36	154	23	to	to	PART
gujaf-36	154	24	be	be	AUX
gujaf-36	154	25	negative	negative	ADJ
gujaf-36	154	26	and	and	CCONJ
gujaf-36	154	27	significantly	significantly	ADV
gujaf-36	154	28	influencing	influence	VERB
gujaf-36	154	29	profitability	profitability	NOUN
gujaf-36	154	30	.	.	PUNCT
gujaf-36	155	1	this	this	PRON
gujaf-36	155	2	means	mean	VERB
gujaf-36	155	3	that	that	SCONJ
gujaf-36	155	4	female	female	ADJ
gujaf-36	155	5	directors	director	NOUN
gujaf-36	155	6	could	could	AUX
gujaf-36	155	7	not	not	PART
gujaf-36	155	8	control	control	VERB
gujaf-36	155	9	the	the	DET
gujaf-36	155	10	high	high	ADJ
gujaf-36	155	11	nonperforming	nonperforming	ADJ
gujaf-36	155	12	and	and	CCONJ
gujaf-36	155	13	high	high	ADJ
gujaf-36	155	14	cost	cost	NOUN
gujaf-36	155	15	of	of	ADP
gujaf-36	155	16	operations	operation	NOUN
gujaf-36	155	17	in	in	ADP
gujaf-36	155	18	the	the	DET
gujaf-36	155	19	banks	bank	NOUN
gujaf-36	155	20	.	.	PUNCT
gujaf-36	156	1	in	in	ADP
gujaf-36	156	2	line	line	NOUN
gujaf-36	156	3	with	with	ADP
gujaf-36	156	4	the	the	DET
gujaf-36	156	5	findings	finding	NOUN
gujaf-36	156	6	of	of	ADP
gujaf-36	156	7	the	the	DET
gujaf-36	156	8	study	study	NOUN
gujaf-36	156	9	,	,	PUNCT
gujaf-36	156	10	the	the	DET
gujaf-36	156	11	following	follow	VERB
gujaf-36	156	12	recommendations	recommendation	NOUN
gujaf-36	156	13	are	be	AUX
gujaf-36	156	14	made	make	VERB
gujaf-36	156	15	;	;	PUNCT
gujaf-36	156	16	the	the	DET
gujaf-36	156	17	management	management	NOUN
gujaf-36	156	18	of	of	ADP
gujaf-36	156	19	the	the	DET
gujaf-36	156	20	study	study	NOUN
gujaf-36	156	21	bank	bank	NOUN
gujaf-36	156	22	should	should	AUX
gujaf-36	156	23	ensure	ensure	VERB
gujaf-36	156	24	they	they	PRON
gujaf-36	156	25	control	control	VERB
gujaf-36	156	26	their	their	PRON
gujaf-36	156	27	liquidity	liquidity	NOUN
gujaf-36	156	28	risk	risk	NOUN
gujaf-36	156	29	through	through	ADP
gujaf-36	156	30	loan	loan	NOUN
gujaf-36	156	31	supply	supply	NOUN
gujaf-36	156	32	to	to	ADP
gujaf-36	156	33	customer	customer	NOUN
gujaf-36	156	34	and	and	CCONJ
gujaf-36	156	35	encourage	encourage	VERB
gujaf-36	156	36	the	the	DET
gujaf-36	156	37	attraction	attraction	NOUN
gujaf-36	156	38	of	of	ADP
gujaf-36	156	39	new	new	ADJ
gujaf-36	156	40	customer	customer	NOUN
gujaf-36	156	41	to	to	PART
gujaf-36	156	42	deposit	deposit	VERB
gujaf-36	156	43	.	.	PUNCT
gujaf-36	157	1	in	in	ADP
gujaf-36	157	2	addition	addition	NOUN
gujaf-36	157	3	,	,	PUNCT
gujaf-36	157	4	the	the	DET
gujaf-36	157	5	banks	bank	NOUN
gujaf-36	157	6	should	should	AUX
gujaf-36	157	7	effectively	effectively	ADV
gujaf-36	157	8	review	review	VERB
gujaf-36	157	9	and	and	CCONJ
gujaf-36	157	10	implement	implement	VERB
gujaf-36	157	11	management	management	NOUN
gujaf-36	157	12	risk	risk	NOUN
gujaf-36	157	13	framework	framework	NOUN
gujaf-36	157	14	in	in	ADP
gujaf-36	157	15	order	order	NOUN
gujaf-36	157	16	to	to	PART
gujaf-36	157	17	reduce	reduce	VERB
gujaf-36	157	18	the	the	DET
gujaf-36	157	19	non	non	ADJ
gujaf-36	157	20	-	-	ADJ
gujaf-36	157	21	performing	performing	ADJ
gujaf-36	157	22	loan	loan	NOUN
gujaf-36	157	23	attributed	attribute	VERB
gujaf-36	157	24	to	to	ADP
gujaf-36	157	25	deposit	deposit	NOUN
gujaf-36	157	26	money	money	NOUN
gujaf-36	157	27	banks	bank	NOUN
gujaf-36	157	28	in	in	ADP
gujaf-36	157	29	nigeria	nigeria	PROPN
gujaf-36	157	30	.	.	PUNCT
gujaf-36	158	1	the	the	DET
gujaf-36	158	2	management	management	NOUN
gujaf-36	158	3	of	of	ADP
gujaf-36	158	4	banks	bank	NOUN
gujaf-36	158	5	should	should	AUX
gujaf-36	158	6	ensure	ensure	VERB
gujaf-36	158	7	efficient	efficient	ADJ
gujaf-36	158	8	and	and	CCONJ
gujaf-36	158	9	effective	effective	ADJ
gujaf-36	158	10	utilization	utilization	NOUN
gujaf-36	158	11	of	of	ADP
gujaf-36	158	12	operating	operate	VERB
gujaf-36	158	13	cost	cost	NOUN
gujaf-36	158	14	,	,	PUNCT
gujaf-36	158	15	in	in	ADP
gujaf-36	158	16	order	order	NOUN
gujaf-36	158	17	not	not	PART
gujaf-36	158	18	to	to	PART
gujaf-36	158	19	run	run	VERB
gujaf-36	158	20	at	at	ADP
gujaf-36	158	21	a	a	DET
gujaf-36	158	22	loss	loss	NOUN
gujaf-36	158	23	and	and	CCONJ
gujaf-36	158	24	maintain	maintain	VERB
gujaf-36	158	25	a	a	DET
gujaf-36	158	26	better	well	ADJ
gujaf-36	158	27	profitability	profitability	NOUN
gujaf-36	158	28	.	.	PUNCT
gujaf-36	159	1	the	the	DET
gujaf-36	159	2	bank	bank	NOUN
gujaf-36	159	3	should	should	AUX
gujaf-36	159	4	avoid	avoid	VERB
gujaf-36	159	5	unnecessary	unnecessary	ADJ
gujaf-36	159	6	expenditure	expenditure	NOUN
gujaf-36	159	7	that	that	PRON
gujaf-36	159	8	will	will	AUX
gujaf-36	159	9	not	not	PART
gujaf-36	159	10	yield	yield	VERB
gujaf-36	159	11	any	any	DET
gujaf-36	159	12	returns	return	NOUN
gujaf-36	159	13	.	.	PUNCT
gujaf-36	160	1	finally	finally	ADV
gujaf-36	160	2	,	,	PUNCT
gujaf-36	160	3	it	it	PRON
gujaf-36	160	4	is	be	AUX
gujaf-36	160	5	recommended	recommend	VERB
gujaf-36	160	6	that	that	SCONJ
gujaf-36	160	7	the	the	DET
gujaf-36	160	8	central	central	ADJ
gujaf-36	160	9	bank	bank	PROPN
gujaf-36	160	10	of	of	ADP
gujaf-36	160	11	nigeria	nigeria	PROPN
gujaf-36	160	12	should	should	AUX
gujaf-36	160	13	encourage	encourage	VERB
gujaf-36	160	14	gusau	gusau	ADJ
gujaf-36	160	15	journal	journal	NOUN
gujaf-36	160	16	of	of	ADP
gujaf-36	160	17	accounting	accounting	NOUN
gujaf-36	160	18	and	and	CCONJ
gujaf-36	160	19	finance	finance	NOUN
gujaf-36	160	20	,	,	PUNCT
gujaf-36	160	21	vol	vol	NOUN
gujaf-36	160	22	.	.	PUNCT
gujaf-36	161	1	i	i	PRON
gujaf-36	161	2	,	,	PUNCT
gujaf-36	161	3	issue	issue	NOUN
gujaf-36	161	4	2	2	NUM
gujaf-36	161	5	,	,	PUNCT
gujaf-36	161	6	october	october	PROPN
gujaf-36	161	7	,	,	PUNCT
gujaf-36	161	8	2020	2020	NUM
gujaf-36	161	9	12	12	NUM
gujaf-36	161	10	deposit	deposit	NOUN
gujaf-36	161	11	money	money	NOUN
gujaf-36	161	12	banks	bank	NOUN
gujaf-36	161	13	to	to	PART
gujaf-36	161	14	appoint	appoint	VERB
gujaf-36	161	15	the	the	DET
gujaf-36	161	16	right	right	ADJ
gujaf-36	161	17	female	female	ADJ
gujaf-36	161	18	director	director	NOUN
gujaf-36	161	19	in	in	ADP
gujaf-36	161	20	the	the	DET
gujaf-36	161	21	board	board	NOUN
gujaf-36	161	22	of	of	ADP
gujaf-36	161	23	governance	governance	NOUN
gujaf-36	161	24	.	.	PUNCT
gujaf-36	162	1	reference	reference	NOUN
gujaf-36	162	2	abdelaziz	abdelaziz	PROPN
gujaf-36	162	3	hakimi	hakimi	PROPN
gujaf-36	162	4	&	&	CCONJ
gujaf-36	162	5	khemais	khemais	PROPN
gujaf-36	162	6	,	,	PUNCT
gujaf-36	162	7	z.	z.	PROPN
gujaf-36	162	8	(	(	PUNCT
gujaf-36	162	9	2017	2017	NUM
gujaf-36	162	10	)	)	PUNCT
gujaf-36	162	11	.	.	PUNCT
gujaf-36	163	1	liquidity	liquidity	NOUN
gujaf-36	163	2	risk	risk	NOUN
gujaf-36	163	3	and	and	CCONJ
gujaf-36	163	4	bank	bank	NOUN
gujaf-36	163	5	performance	performance	NOUN
gujaf-36	163	6	:	:	PUNCT
gujaf-36	163	7	an	an	DET
gujaf-36	163	8	empirical	empirical	ADJ
gujaf-36	163	9	test	test	NOUN
gujaf-36	163	10	for	for	ADP
gujaf-36	163	11	tunisian	tunisian	ADJ
gujaf-36	163	12	banks	bank	NOUN
gujaf-36	163	13	.	.	PUNCT
gujaf-36	164	1	business	business	NOUN
gujaf-36	164	2	and	and	CCONJ
gujaf-36	164	3	economic	economic	ADJ
gujaf-36	164	4	research	research	NOUN
gujaf-36	164	5	,	,	PUNCT
gujaf-36	164	6	7(1	7(1	NUM
gujaf-36	164	7	)	)	PUNCT
gujaf-36	164	8	,	,	PUNCT
gujaf-36	164	9	46–57	46–57	NUM
gujaf-36	164	10	.	.	PUNCT
gujaf-36	165	1	https://doi.org/10.5296/ber.v7i1.10524	https://doi.org/10.5296/ber.v7i1.10524	PROPN
gujaf-36	165	2	adeusi	adeusi	PROPN
gujaf-36	165	3	,	,	PUNCT
gujaf-36	165	4	s.	s.	PROPN
gujaf-36	165	5	o.	o.	PROPN
gujaf-36	165	6	,	,	PUNCT
gujaf-36	165	7	akeke	akeke	NOUN
gujaf-36	165	8	,	,	PUNCT
gujaf-36	165	9	n.	n.	PROPN
gujaf-36	165	10	i.	i.	PROPN
gujaf-36	165	11	,	,	PUNCT
gujaf-36	165	12	adebisi	adebisi	ADJ
gujaf-36	165	13	,	,	PUNCT
gujaf-36	165	14	o.	o.	PROPN
gujaf-36	165	15	s.	s.	PROPN
gujaf-36	165	16	,	,	PUNCT
gujaf-36	165	17	&	&	CCONJ
gujaf-36	165	18	oladunjoye	oladunjoye	PROPN
gujaf-36	165	19	,	,	PUNCT
gujaf-36	165	20	o.	o.	PROPN
gujaf-36	165	21	(	(	PUNCT
gujaf-36	165	22	2014	2014	NUM
gujaf-36	165	23	)	)	PUNCT
gujaf-36	165	24	.	.	PUNCT
gujaf-36	166	1	risk	risk	NOUN
gujaf-36	166	2	management	management	NOUN
gujaf-36	166	3	and	and	CCONJ
gujaf-36	166	4	financial	financial	ADJ
gujaf-36	166	5	performance	performance	NOUN
gujaf-36	166	6	of	of	ADP
gujaf-36	166	7	banks	bank	NOUN
gujaf-36	166	8	in	in	ADP
gujaf-36	166	9	nigeria	nigeria	PROPN
gujaf-36	166	10	.	.	PUNCT
gujaf-36	167	1	european	european	PROPN
gujaf-36	167	2	journal	journal	PROPN
gujaf-36	167	3	of	of	ADP
gujaf-36	167	4	business	business	NOUN
gujaf-36	167	5	and	and	CCONJ
gujaf-36	167	6	management	management	NOUN
gujaf-36	167	7	,	,	PUNCT
gujaf-36	167	8	6(31	6(31	NUM
gujaf-36	167	9	)	)	PUNCT
gujaf-36	167	10	,	,	PUNCT
gujaf-36	167	11	336–343	336–343	NUM
gujaf-36	167	12	.	.	PUNCT
gujaf-36	168	1	alzorqan	alzorqan	PROPN
gujaf-36	168	2	,	,	PUNCT
gujaf-36	168	3	s.	s.	PROPN
gujaf-36	168	4	t.	t.	PROPN
gujaf-36	168	5	(	(	PUNCT
gujaf-36	168	6	2014	2014	NUM
gujaf-36	168	7	)	)	PUNCT
gujaf-36	168	8	.	.	PUNCT
gujaf-36	169	1	bank	bank	NOUN
gujaf-36	169	2	liquidity	liquidity	NOUN
gujaf-36	169	3	risk	risk	NOUN
gujaf-36	169	4	and	and	CCONJ
gujaf-36	169	5	performance	performance	NOUN
gujaf-36	169	6	 	 	SPACE
gujaf-36	169	7	:	:	PUNCT
gujaf-36	169	8	an	an	DET
gujaf-36	169	9	empirical	empirical	ADJ
gujaf-36	169	10	study	study	NOUN
gujaf-36	169	11	of	of	ADP
gujaf-36	169	12	the	the	DET
gujaf-36	169	13	banking	banking	NOUN
gujaf-36	169	14	system	system	NOUN
gujaf-36	169	15	in	in	ADP
gujaf-36	169	16	jordan	jordan	PROPN
gujaf-36	169	17	.	.	PUNCT
gujaf-36	170	1	research	research	PROPN
gujaf-36	170	2	journal	journal	PROPN
gujaf-36	170	3	of	of	ADP
gujaf-36	170	4	finance	finance	NOUN
gujaf-36	170	5	and	and	CCONJ
gujaf-36	170	6	accounting	accounting	NOUN
gujaf-36	170	7	,	,	PUNCT
gujaf-36	170	8	5(12	5(12	NUM
gujaf-36	170	9	)	)	PUNCT
gujaf-36	170	10	,	,	PUNCT
gujaf-36	170	11	155–165	155–165	NUM
gujaf-36	170	12	.	.	PUNCT
gujaf-36	171	1	arif	arif	PROPN
gujaf-36	171	2	,	,	PUNCT
gujaf-36	171	3	hussain	hussain	PROPN
gujaf-36	171	4	,	,	PUNCT
gujaf-36	171	5	anjum	anjum	PROPN
gujaf-36	171	6	,	,	PUNCT
gujaf-36	171	7	i.	i.	PROPN
gujaf-36	171	8	,	,	PUNCT
gujaf-36	171	9	&	&	CCONJ
gujaf-36	171	10	&	&	CCONJ
gujaf-36	171	11	jawad	jawad	PROPN
gujaf-36	171	12	,	,	PUNCT
gujaf-36	171	13	h.	h.	PROPN
gujaf-36	171	14	(	(	PUNCT
gujaf-36	171	15	2016	2016	NUM
gujaf-36	171	16	)	)	PUNCT
gujaf-36	171	17	.	.	PUNCT
gujaf-36	172	1	risk	risk	NOUN
gujaf-36	172	2	management	management	NOUN
gujaf-36	172	3	and	and	CCONJ
gujaf-36	172	4	bank	bank	NOUN
gujaf-36	172	5	performance	performance	NOUN
gujaf-36	172	6	in	in	ADP
gujaf-36	172	7	pakistan	pakistan	PROPN
gujaf-36	172	8	.	.	PUNCT
gujaf-36	173	1	numl	numl	PROPN
gujaf-36	173	2	international	international	ADJ
gujaf-36	173	3	journal	journal	PROPN
gujaf-36	173	4	of	of	ADP
gujaf-36	173	5	business	business	PROPN
gujaf-36	173	6	&	&	CCONJ
gujaf-36	173	7	management	management	PROPN
gujaf-36	173	8	,	,	PUNCT
gujaf-36	173	9	11(2008	11(2008	NUM
gujaf-36	173	10	)	)	PUNCT
gujaf-36	173	11	,	,	PUNCT
gujaf-36	173	12	68–80	68–80	PROPN
gujaf-36	173	13	.	.	PUNCT
gujaf-36	174	1	baldwin	baldwin	PROPN
gujaf-36	174	2	,	,	PUNCT
gujaf-36	174	3	c.	c.	PROPN
gujaf-36	174	4	y.	y.	PROPN
gujaf-36	174	5	,	,	PUNCT
gujaf-36	174	6	&	&	CCONJ
gujaf-36	174	7	mason	mason	PROPN
gujaf-36	174	8	,	,	PUNCT
gujaf-36	174	9	s.	s.	PROPN
gujaf-36	174	10	p.	p.	PROPN
gujaf-36	174	11	(	(	PUNCT
gujaf-36	174	12	1983	1983	NUM
gujaf-36	174	13	)	)	PUNCT
gujaf-36	174	14	.	.	PUNCT
gujaf-36	175	1	the	the	DET
gujaf-36	175	2	resolution	resolution	NOUN
gujaf-36	175	3	of	of	ADP
gujaf-36	175	4	claims	claim	NOUN
gujaf-36	175	5	in	in	ADP
gujaf-36	175	6	financial	financial	ADJ
gujaf-36	175	7	distress	distress	NOUN
gujaf-36	175	8	the	the	DET
gujaf-36	175	9	case	case	NOUN
gujaf-36	175	10	of	of	ADP
gujaf-36	175	11	massey	massey	PROPN
gujaf-36	175	12	ferguson	ferguson	PROPN
gujaf-36	175	13	.	.	PUNCT
gujaf-36	176	1	the	the	DET
gujaf-36	176	2	journal	journal	PROPN
gujaf-36	176	3	of	of	ADP
gujaf-36	176	4	finance	finance	NOUN
gujaf-36	176	5	,	,	PUNCT
gujaf-36	176	6	38(2	38(2	NOUN
gujaf-36	176	7	)	)	PUNCT
gujaf-36	176	8	,	,	PUNCT
gujaf-36	176	9	505516	505516	NUM
gujaf-36	176	10	bogale	bogale	NOUN
gujaf-36	176	11	,	,	PUNCT
gujaf-36	176	12	y.	y.	PROPN
gujaf-36	176	13	w.	w.	PROPN
gujaf-36	176	14	(	(	PUNCT
gujaf-36	176	15	2019	2019	NUM
gujaf-36	176	16	)	)	PUNCT
gujaf-36	176	17	.	.	PUNCT
gujaf-36	177	1	factors	factor	NOUN
gujaf-36	177	2	affecting	affect	VERB
gujaf-36	177	3	profitability	profitability	NOUN
gujaf-36	177	4	of	of	ADP
gujaf-36	177	5	banks	bank	NOUN
gujaf-36	177	6	 	 	SPACE
gujaf-36	177	7	:	:	PUNCT
gujaf-36	177	8	empirical	empirical	ADJ
gujaf-36	177	9	evidence	evidence	NOUN
gujaf-36	177	10	from	from	ADP
gujaf-36	177	11	ethiopian	ethiopian	ADJ
gujaf-36	177	12	private	private	ADJ
gujaf-36	177	13	commercial	commercial	ADJ
gujaf-36	177	14	banks	bank	NOUN
gujaf-36	177	15	:	:	PUNCT
gujaf-36	177	16	journal	journal	NOUN
gujaf-36	177	17	of	of	ADP
gujaf-36	177	18	investment	investment	NOUN
gujaf-36	177	19	and	and	CCONJ
gujaf-36	177	20	management	management	NOUN
gujaf-36	177	21	,	,	PUNCT
gujaf-36	177	22	8(1	8(1	NOUN
gujaf-36	177	23	)	)	PUNCT
gujaf-36	177	24	,	,	PUNCT
gujaf-36	177	25	8–15	8–15	PROPN
gujaf-36	177	26	boritz	boritz	PROPN
gujaf-36	177	27	,	,	PUNCT
gujaf-36	177	28	j.e	j.e	PROPN
gujaf-36	177	29	.	.	PROPN
gujaf-36	177	30	(	(	PUNCT
gujaf-36	177	31	1991	1991	NUM
gujaf-36	177	32	)	)	PUNCT
gujaf-36	177	33	.	.	PUNCT
gujaf-36	178	1	the	the	DET
gujaf-36	178	2	going	go	VERB
gujaf-36	178	3	concern	concern	NOUN
gujaf-36	178	4	assumptions	assumption	NOUN
gujaf-36	178	5	.	.	PUNCT
gujaf-36	179	1	accounting	accounting	NOUN
gujaf-36	179	2	and	and	CCONJ
gujaf-36	179	3	auditing	auditing	NOUN
gujaf-36	179	4	complications	complication	NOUN
gujaf-36	179	5	:	:	PUNCT
gujaf-36	179	6	toronto	toronto	PROPN
gujaf-36	179	7	:	:	PUNCT
gujaf-36	179	8	canadian	canadian	PROPN
gujaf-36	179	9	institute	institute	PROPN
gujaf-36	179	10	of	of	ADP
gujaf-36	179	11	chartered	chartered	PROPN
gujaf-36	179	12	accountants	accountant	NOUN
gujaf-36	179	13	.	.	PUNCT
gujaf-36	180	1	coco	coco	PROPN
gujaf-36	180	2	ling	ling	PROPN
gujaf-36	180	3	,	,	PUNCT
gujaf-36	180	4	s.	s.	PROPN
gujaf-36	180	5	y.	y.	PROPN
gujaf-36	180	6	(	(	PUNCT
gujaf-36	180	7	2019	2019	NUM
gujaf-36	180	8	)	)	PUNCT
gujaf-36	180	9	.	.	PUNCT
gujaf-36	181	1	financial	financial	ADJ
gujaf-36	181	2	risk	risk	NOUN
gujaf-36	181	3	and	and	CCONJ
gujaf-36	181	4	its	its	PRON
gujaf-36	181	5	performance	performance	NOUN
gujaf-36	181	6	 	 	SPACE
gujaf-36	181	7	:	:	PUNCT
gujaf-36	181	8	a	a	DET
gujaf-36	181	9	study	study	NOUN
gujaf-36	181	10	on	on	ADP
gujaf-36	181	11	apollo	apollo	PROPN
gujaf-36	181	12	food	food	PROPN
gujaf-36	181	13	holdings	holding	NOUN
gujaf-36	181	14	berhad	berhad	PROPN
gujaf-36	181	15	 	 	SPACE
gujaf-36	181	16	:	:	PUNCT
gujaf-36	181	17	a	a	DET
gujaf-36	181	18	study	study	NOUN
gujaf-36	181	19	on	on	ADP
gujaf-36	181	20	apollo	apollo	PROPN
gujaf-36	181	21	food	food	NOUN
gujaf-36	181	22	holdings	holding	NOUN
gujaf-36	181	23	berhad	berhad	VERB
gujaf-36	181	24	in	in	ADP
gujaf-36	181	25	malaysia	malaysia	PROPN
gujaf-36	181	26	.	.	PUNCT
gujaf-36	182	1	universiti	universiti	PROPN
gujaf-36	182	2	utara	utara	PROPN
gujaf-36	182	3	malaysia	malaysia	PROPN
gujaf-36	182	4	,	,	PUNCT
gujaf-36	182	5	december	december	PROPN
gujaf-36	182	6	,	,	PUNCT
gujaf-36	182	7	1–62	1–62	PROPN
gujaf-36	182	8	.	.	PROPN
gujaf-36	182	9	central	central	ADJ
gujaf-36	182	10	bank	bank	PROPN
gujaf-36	182	11	of	of	ADP
gujaf-36	182	12	nigeria	nigeria	PROPN
gujaf-36	182	13	(	(	PUNCT
gujaf-36	182	14	2018	2018	NUM
gujaf-36	182	15	)	)	PUNCT
gujaf-36	182	16	annual	annual	ADJ
gujaf-36	182	17	bulletin	bulletin	NOUN
gujaf-36	182	18	central	central	PROPN
gujaf-36	182	19	bank	bank	PROPN
gujaf-36	182	20	of	of	ADP
gujaf-36	182	21	nigeria	nigeria	PROPN
gujaf-36	182	22	(	(	PUNCT
gujaf-36	182	23	2019	2019	NUM
gujaf-36	182	24	)	)	PUNCT
gujaf-36	182	25	quarterly	quarterly	ADJ
gujaf-36	182	26	report	report	NOUN
gujaf-36	182	27	bulletin	bulletin	NOUN
gujaf-36	182	28	elshaday	elshaday	NOUN
gujaf-36	182	29	,	,	PUNCT
gujaf-36	182	30	t.	t.	PROPN
gujaf-36	182	31	,	,	PUNCT
gujaf-36	182	32	kenenisa	kenenisa	PROPN
gujaf-36	182	33	,	,	PUNCT
gujaf-36	182	34	d.	d.	PROPN
gujaf-36	182	35	,	,	PUNCT
gujaf-36	182	36	&	&	CCONJ
gujaf-36	182	37	mohammed	mohammed	PROPN
gujaf-36	182	38	,	,	PUNCT
gujaf-36	182	39	s.	s.	PROPN
gujaf-36	182	40	(	(	PUNCT
gujaf-36	182	41	2018	2018	NUM
gujaf-36	182	42	)	)	PUNCT
gujaf-36	182	43	.	.	PUNCT
gujaf-36	183	1	determinant	determinant	ADJ
gujaf-36	183	2	of	of	ADP
gujaf-36	183	3	financial	financial	ADJ
gujaf-36	183	4	performance	performance	NOUN
gujaf-36	183	5	of	of	ADP
gujaf-36	183	6	commercial	commercial	ADJ
gujaf-36	183	7	banks	bank	NOUN
gujaf-36	183	8	in	in	ADP
gujaf-36	183	9	ethiopia	ethiopia	PROPN
gujaf-36	183	10	:	:	PUNCT
gujaf-36	183	11	special	special	ADJ
gujaf-36	183	12	emphasis	emphasis	NOUN
gujaf-36	183	13	on	on	ADP
gujaf-36	183	14	private	private	ADJ
gujaf-36	183	15	commercial	commercial	ADJ
gujaf-36	183	16	banks	bank	NOUN
gujaf-36	183	17	.	.	PUNCT
gujaf-36	184	1	african	african	ADJ
gujaf-36	184	2	journal	journal	PROPN
gujaf-36	184	3	of	of	ADP
gujaf-36	184	4	business	business	NOUN
gujaf-36	184	5	management	management	NOUN
gujaf-36	184	6	,	,	PUNCT
gujaf-36	184	7	12(1	12(1	NUM
gujaf-36	184	8	)	)	PUNCT
gujaf-36	184	9	,	,	PUNCT
gujaf-36	184	10	1–10	1–10	NOUN
gujaf-36	184	11	.	.	PUNCT
gujaf-36	185	1	fakhrunnas	fakhrunnas	PROPN
gujaf-36	185	2	,	,	PUNCT
gujaf-36	185	3	f.	f.	PROPN
gujaf-36	185	4	,	,	PUNCT
gujaf-36	185	5	&	&	CCONJ
gujaf-36	185	6	imron	imron	PROPN
gujaf-36	185	7	,	,	PUNCT
gujaf-36	185	8	m.	m.	NOUN
gujaf-36	185	9	a.	a.	NOUN
gujaf-36	185	10	(	(	PUNCT
gujaf-36	185	11	2019	2019	NUM
gujaf-36	185	12	)	)	PUNCT
gujaf-36	185	13	.	.	PUNCT
gujaf-36	186	1	assessing	assess	VERB
gujaf-36	186	2	financial	financial	ADJ
gujaf-36	186	3	risk	risk	NOUN
gujaf-36	186	4	and	and	CCONJ
gujaf-36	186	5	regional	regional	ADJ
gujaf-36	186	6	macreoconomic	macreoconomic	ADJ
gujaf-36	186	7	influence	influence	NOUN
gujaf-36	186	8	to	to	ADP
gujaf-36	186	9	islamic	islamic	ADJ
gujaf-36	186	10	rural	rural	ADJ
gujaf-36	186	11	bank	bank	NOUN
gujaf-36	186	12	performance	performance	NOUN
gujaf-36	186	13	.	.	PUNCT
gujaf-36	187	1	global	global	ADJ
gujaf-36	187	2	review	review	PROPN
gujaf-36	187	3	of	of	ADP
gujaf-36	187	4	islamic	islamic	ADJ
gujaf-36	187	5	economics	economic	NOUN
gujaf-36	187	6	and	and	CCONJ
gujaf-36	187	7	business	business	NOUN
gujaf-36	187	8	,	,	PUNCT
gujaf-36	187	9	7(1	7(1	NUM
gujaf-36	187	10	)	)	PUNCT
gujaf-36	187	11	,	,	PUNCT
gujaf-36	187	12	049–055	049–055	NUM
gujaf-36	187	13	.	.	PUNCT
gujaf-36	188	1	gusau	gusau	PROPN
gujaf-36	188	2	journal	journal	PROPN
gujaf-36	188	3	of	of	ADP
gujaf-36	188	4	accounting	accounting	NOUN
gujaf-36	188	5	and	and	CCONJ
gujaf-36	188	6	finance	finance	NOUN
gujaf-36	188	7	,	,	PUNCT
gujaf-36	188	8	vol	vol	NOUN
gujaf-36	188	9	.	.	PUNCT
gujaf-36	189	1	i	i	PRON
gujaf-36	189	2	,	,	PUNCT
gujaf-36	189	3	issue	issue	NOUN
gujaf-36	189	4	2	2	NUM
gujaf-36	189	5	,	,	PUNCT
gujaf-36	189	6	october	october	PROPN
gujaf-36	189	7	,	,	PUNCT
gujaf-36	189	8	2020	2020	NUM
gujaf-36	189	9	13	13	NUM
gujaf-36	189	10	https://doi.org/10.14421/grieb.2019.071-05	https://doi.org/10.14421/grieb.2019.071-05	PROPN
gujaf-36	189	11	garba	garba	NOUN
gujaf-36	189	12	,	,	PUNCT
gujaf-36	189	13	t	t	PROPN
gujaf-36	189	14	,	,	PUNCT
gujaf-36	189	15	&	&	CCONJ
gujaf-36	189	16	abubakar	abubakar	PROPN
gujaf-36	189	17	,	,	PUNCT
gujaf-36	189	18	b.	b.	PROPN
gujaf-36	189	19	a	a	PROPN
gujaf-36	189	20	,	,	PUNCT
gujaf-36	189	21	(	(	PUNCT
gujaf-36	189	22	2014	2014	NUM
gujaf-36	189	23	)	)	PUNCT
gujaf-36	189	24	.	.	PUNCT
gujaf-36	190	1	corporate	corporate	ADJ
gujaf-36	190	2	board	board	NOUN
gujaf-36	190	3	diversity	diversity	NOUN
gujaf-36	190	4	and	and	CCONJ
gujaf-36	190	5	financial	financial	ADJ
gujaf-36	190	6	performance	performance	NOUN
gujaf-36	190	7	ofinsurance	ofinsurance	NOUN
gujaf-36	190	8	companies	company	NOUN
gujaf-36	190	9	in	in	ADP
gujaf-36	190	10	nigeria	nigeria	PROPN
gujaf-36	190	11	:	:	PUNCT
gujaf-36	190	12	an	an	DET
gujaf-36	190	13	application	application	NOUN
gujaf-36	190	14	of	of	ADP
gujaf-36	190	15	panel	panel	NOUN
gujaf-36	190	16	data	datum	NOUN
gujaf-36	190	17	approach	approach	NOUN
gujaf-36	190	18	.	.	PUNCT
gujaf-36	191	1	asian	asian	ADJ
gujaf-36	191	2	economic	economic	ADJ
gujaf-36	191	3	and	and	CCONJ
gujaf-36	191	4	financial	financial	ADJ
gujaf-36	191	5	review	review	NOUN
gujaf-36	191	6	,	,	PUNCT
gujaf-36	191	7	4(2	4(2	NUM
gujaf-36	191	8	)	)	PUNCT
gujaf-36	191	9	,	,	PUNCT
gujaf-36	191	10	257	257	NUM
gujaf-36	191	11	-	-	SYM
gujaf-36	191	12	277	277	NUM
gujaf-36	191	13	gathigiamuriithi	gathigiamuriithi	NOUN
gujaf-36	191	14	,	,	PUNCT
gujaf-36	191	15	j.	j.	PROPN
gujaf-36	191	16	,	,	PUNCT
gujaf-36	191	17	munyuawaweru	munyuawaweru	PROPN
gujaf-36	191	18	,	,	PUNCT
gujaf-36	191	19	k.	k.	PROPN
gujaf-36	191	20	,	,	PUNCT
gujaf-36	191	21	&	&	CCONJ
gujaf-36	191	22	muturi	muturi	PROPN
gujaf-36	191	23	,	,	PUNCT
gujaf-36	191	24	w.	w.	PROPN
gujaf-36	191	25	m.	m.	NOUN
gujaf-36	191	26	(	(	PUNCT
gujaf-36	191	27	2016	2016	NUM
gujaf-36	191	28	)	)	PUNCT
gujaf-36	191	29	.	.	PUNCT
gujaf-36	192	1	effect	effect	NOUN
gujaf-36	192	2	of	of	ADP
gujaf-36	192	3	credit	credit	NOUN
gujaf-36	192	4	risk	risk	NOUN
gujaf-36	192	5	on	on	ADP
gujaf-36	192	6	financial	financial	ADJ
gujaf-36	192	7	performance	performance	NOUN
gujaf-36	192	8	of	of	ADP
gujaf-36	192	9	commercial	commercial	ADJ
gujaf-36	192	10	banks	bank	NOUN
gujaf-36	192	11	kenya	kenya	NOUN
gujaf-36	192	12	.	.	PUNCT
gujaf-36	193	1	7(4	7(4	NUM
gujaf-36	193	2	)	)	PUNCT
gujaf-36	194	1	,	,	PUNCT
gujaf-36	194	2	72–83	72–83	NUM
gujaf-36	194	3	.	.	PUNCT
gujaf-36	194	4	hamza	hamza	PROPN
gujaf-36	194	5	,	,	PUNCT
gujaf-36	194	6	s.	s.	PROPN
gujaf-36	194	7	m.	m.	PROPN
gujaf-36	194	8	(	(	PUNCT
gujaf-36	194	9	2017	2017	NUM
gujaf-36	194	10	)	)	PUNCT
gujaf-36	194	11	.	.	PUNCT
gujaf-36	195	1	impact	impact	NOUN
gujaf-36	195	2	of	of	ADP
gujaf-36	195	3	credit	credit	NOUN
gujaf-36	195	4	risk	risk	NOUN
gujaf-36	195	5	management	management	NOUN
gujaf-36	195	6	on	on	ADP
gujaf-36	195	7	banks	bank	NOUN
gujaf-36	195	8	performance	performance	NOUN
gujaf-36	195	9	 	 	SPACE
gujaf-36	195	10	:	:	PUNCT
gujaf-36	195	11	a	a	DET
gujaf-36	195	12	case	case	NOUN
gujaf-36	195	13	study	study	NOUN
gujaf-36	195	14	in	in	ADP
gujaf-36	195	15	pakistan	pakistan	PROPN
gujaf-36	195	16	banks	bank	NOUN
gujaf-36	195	17	.	.	PUNCT
gujaf-36	196	1	european	european	PROPN
gujaf-36	196	2	journal	journal	PROPN
gujaf-36	196	3	of	of	ADP
gujaf-36	196	4	business	business	NOUN
gujaf-36	196	5	and	and	CCONJ
gujaf-36	196	6	management	management	NOUN
gujaf-36	196	7	issn	issn	PROPN
gujaf-36	196	8	,	,	PUNCT
gujaf-36	196	9	9(1	9(1	NUM
gujaf-36	196	10	)	)	PUNCT
gujaf-36	196	11	,	,	PUNCT
gujaf-36	196	12	57–64	57–64	PROPN
gujaf-36	196	13	.	.	PUNCT
gujaf-36	197	1	jin	jin	PROPN
gujaf-36	197	2	,	,	PUNCT
gujaf-36	197	3	t.	t.	PROPN
gujaf-36	197	4	b.	b.	PROPN
gujaf-36	197	5	(	(	PUNCT
gujaf-36	197	6	2019	2019	NUM
gujaf-36	197	7	)	)	PUNCT
gujaf-36	197	8	.	.	PUNCT
gujaf-36	198	1	financial	financial	ADJ
gujaf-36	198	2	risk	risk	NOUN
gujaf-36	198	3	and	and	CCONJ
gujaf-36	198	4	its	its	PRON
gujaf-36	198	5	performance	performance	NOUN
gujaf-36	198	6	 	 	SPACE
gujaf-36	198	7	:	:	PUNCT
gujaf-36	198	8	a	a	DET
gujaf-36	198	9	study	study	NOUN
gujaf-36	198	10	on	on	ADP
gujaf-36	198	11	cocoaland	cocoaland	NOUN
gujaf-36	198	12	holdings	holding	NOUN
gujaf-36	198	13	berhad	berhad	VERB
gujaf-36	198	14	in	in	ADP
gujaf-36	198	15	malaysia	malaysia	PROPN
gujaf-36	198	16	.	.	PUNCT
gujaf-36	199	1	universiti	universiti	PROPN
gujaf-36	199	2	utara	utara	PROPN
gujaf-36	199	3	malaysia	malaysia	PROPN
gujaf-36	199	4	,	,	PUNCT
gujaf-36	199	5	december	december	PROPN
gujaf-36	199	6	.	.	PUNCT
gujaf-36	200	1	kamau	kamau	PROPN
gujaf-36	200	2	,	,	PUNCT
gujaf-36	200	3	f	f	PROPN
gujaf-36	200	4	&	&	CCONJ
gujaf-36	200	5	njeru	njeru	PROPN
gujaf-36	200	6	,	,	PUNCT
gujaf-36	200	7	a.	a.	NOUN
gujaf-36	200	8	(	(	PUNCT
gujaf-36	200	9	2016	2016	NUM
gujaf-36	200	10	)	)	PUNCT
gujaf-36	200	11	.	.	PUNCT
gujaf-36	201	1	effect	effect	NOUN
gujaf-36	201	2	of	of	ADP
gujaf-36	201	3	mergers	merger	NOUN
gujaf-36	201	4	on	on	ADP
gujaf-36	201	5	financial	financial	ADJ
gujaf-36	201	6	performance	performance	NOUN
gujaf-36	201	7	of	of	ADP
gujaf-36	201	8	firms	firm	NOUN
gujaf-36	201	9	listed	list	VERB
gujaf-36	201	10	at	at	ADP
gujaf-36	201	11	the	the	DET
gujaf-36	201	12	nairobi	nairobi	PROPN
gujaf-36	201	13	securities	securities	PROPN
gujaf-36	201	14	exchange	exchange	PROPN
gujaf-36	201	15	.	.	PUNCT
gujaf-36	202	1	international	international	ADJ
gujaf-36	202	2	journal	journal	PROPN
gujaf-36	202	3	of	of	ADP
gujaf-36	202	4	science	science	NOUN
gujaf-36	202	5	and	and	CCONJ
gujaf-36	202	6	research	research	NOUN
gujaf-36	202	7	(	(	PUNCT
gujaf-36	202	8	ijsr	ijsr	NOUN
gujaf-36	202	9	)	)	PUNCT
gujaf-36	202	10	issn	issn	PROPN
gujaf-36	202	11	,	,	PUNCT
gujaf-36	202	12	5(10	5(10	NUM
gujaf-36	202	13	)	)	PUNCT
gujaf-36	202	14	,	,	PUNCT
gujaf-36	202	15	867–872	867–872	NUM
gujaf-36	202	16	.	.	PUNCT
gujaf-36	203	1	https://doi.org/10.21275/art20162288	https://doi.org/10.21275/art20162288	PROPN
gujaf-36	203	2	kambi	kambi	PROPN
gujaf-36	203	3	,	,	PUNCT
gujaf-36	203	4	r.	r.	PROPN
gujaf-36	203	5	,	,	PUNCT
gujaf-36	203	6	&	&	CCONJ
gujaf-36	203	7	ali	ali	PROPN
gujaf-36	203	8	,	,	PUNCT
gujaf-36	203	9	a.	a.	PROPN
gujaf-36	203	10	i.	i.	PROPN
gujaf-36	203	11	(	(	PUNCT
gujaf-36	203	12	2016	2016	NUM
gujaf-36	203	13	)	)	PUNCT
gujaf-36	203	14	.	.	PUNCT
gujaf-36	204	1	effects	effect	NOUN
gujaf-36	204	2	of	of	ADP
gujaf-36	204	3	financial	financial	ADJ
gujaf-36	204	4	risk	risk	NOUN
gujaf-36	204	5	management	management	NOUN
gujaf-36	204	6	practices	practice	NOUN
gujaf-36	204	7	on	on	ADP
gujaf-36	204	8	financial	financial	ADJ
gujaf-36	204	9	performance	performance	NOUN
gujaf-36	204	10	of	of	ADP
gujaf-36	204	11	listed	list	VERB
gujaf-36	204	12	banks	bank	NOUN
gujaf-36	204	13	at	at	ADP
gujaf-36	204	14	the	the	DET
gujaf-36	204	15	nairobi	nairobi	PROPN
gujaf-36	204	16	securities	securities	PROPN
gujaf-36	204	17	exchange	exchange	PROPN
gujaf-36	204	18	in	in	ADP
gujaf-36	204	19	kenya	kenya	PROPN
gujaf-36	204	20	.	.	PUNCT
gujaf-36	205	1	the	the	DET
gujaf-36	205	2	international	international	ADJ
gujaf-36	205	3	journal	journal	NOUN
gujaf-36	205	4	of	of	ADP
gujaf-36	205	5	business	business	PROPN
gujaf-36	205	6	&	&	CCONJ
gujaf-36	205	7	management	management	PROPN
gujaf-36	205	8	,	,	PUNCT
gujaf-36	205	9	4(4	4(4	NUM
gujaf-36	205	10	)	)	PUNCT
gujaf-36	205	11	,	,	PUNCT
gujaf-36	205	12	19–36	19–36	NUM
gujaf-36	205	13	.	.	PUNCT
gujaf-36	206	1	makokha	makokha	PROPN
gujaf-36	206	2	,	,	PUNCT
gujaf-36	206	3	a.	a.	NOUN
gujaf-36	206	4	n.	n.	NOUN
gujaf-36	206	5	,	,	PUNCT
gujaf-36	206	6	namusonge	namusonge	PROPN
gujaf-36	206	7	,	,	PUNCT
gujaf-36	206	8	g.	g.	PROPN
gujaf-36	206	9	s.	s.	PROPN
gujaf-36	206	10	,	,	PUNCT
gujaf-36	206	11	&	&	CCONJ
gujaf-36	206	12	sakwa	sakwa	PROPN
gujaf-36	206	13	,	,	PUNCT
gujaf-36	206	14	m.	m.	NOUN
gujaf-36	206	15	(	(	PUNCT
gujaf-36	206	16	2016	2016	NUM
gujaf-36	206	17	)	)	PUNCT
gujaf-36	206	18	.	.	PUNCT
gujaf-36	207	1	effect	effect	NOUN
gujaf-36	207	2	of	of	ADP
gujaf-36	207	3	operational	operational	ADJ
gujaf-36	207	4	risk	risk	NOUN
gujaf-36	207	5	management	management	NOUN
gujaf-36	207	6	practices	practice	NOUN
gujaf-36	207	7	on	on	ADP
gujaf-36	207	8	the	the	DET
gujaf-36	207	9	financial	financial	ADJ
gujaf-36	207	10	performance	performance	NOUN
gujaf-36	207	11	in	in	ADP
gujaf-36	207	12	commercial	commercial	ADJ
gujaf-36	207	13	banks	bank	NOUN
gujaf-36	207	14	in	in	ADP
gujaf-36	207	15	tanzania	tanzania	PROPN
gujaf-36	207	16	.	.	PUNCT
gujaf-36	208	1	american	american	PROPN
gujaf-36	208	2	journal	journal	PROPN
gujaf-36	208	3	of	of	ADP
gujaf-36	208	4	finance	finance	NOUN
gujaf-36	208	5	,	,	PUNCT
gujaf-36	208	6	1(1	1(1	NUM
gujaf-36	208	7	)	)	PUNCT
gujaf-36	208	8	,	,	PUNCT
gujaf-36	208	9	29–39	29–39	NUM
gujaf-36	208	10	.	.	PUNCT
gujaf-36	209	1	mendoza	mendoza	PROPN
gujaf-36	209	2	,	,	PUNCT
gujaf-36	209	3	r.	r.	PROPN
gujaf-36	209	4	,	,	PUNCT
gujaf-36	209	5	&	&	CCONJ
gujaf-36	209	6	rivera	rivera	PROPN
gujaf-36	209	7	,	,	PUNCT
gujaf-36	209	8	j.	j.	PROPN
gujaf-36	209	9	p.	p.	PROPN
gujaf-36	209	10	r.	r.	PROPN
gujaf-36	209	11	(	(	PUNCT
gujaf-36	209	12	2017	2017	NUM
gujaf-36	209	13	)	)	PUNCT
gujaf-36	209	14	.	.	PUNCT
gujaf-36	210	1	the	the	DET
gujaf-36	210	2	effect	effect	NOUN
gujaf-36	210	3	of	of	ADP
gujaf-36	210	4	credit	credit	NOUN
gujaf-36	210	5	risk	risk	NOUN
gujaf-36	210	6	and	and	CCONJ
gujaf-36	210	7	capital	capital	NOUN
gujaf-36	210	8	adequacy	adequacy	NOUN
gujaf-36	210	9	on	on	ADP
gujaf-36	210	10	the	the	DET
gujaf-36	210	11	profitability	profitability	NOUN
gujaf-36	210	12	of	of	ADP
gujaf-36	210	13	rural	rural	ADJ
gujaf-36	210	14	banks	bank	NOUN
gujaf-36	210	15	in	in	ADP
gujaf-36	210	16	the	the	DET
gujaf-36	210	17	philippines	philippine	NOUN
gujaf-36	210	18	.	.	PUNCT
gujaf-36	211	1	scientific	scientific	ADJ
gujaf-36	211	2	annals	annal	NOUN
gujaf-36	211	3	of	of	ADP
gujaf-36	211	4	economics	economic	NOUN
gujaf-36	211	5	and	and	CCONJ
gujaf-36	211	6	busines	busine	NOUN
gujaf-36	211	7	,	,	PUNCT
gujaf-36	211	8	64(1	64(1	NUM
gujaf-36	211	9	)	)	PUNCT
gujaf-36	211	10	,	,	PUNCT
gujaf-36	211	11	83–96	83–96	NUM
gujaf-36	211	12	.	.	PUNCT
gujaf-36	212	1	https://doi.org/10.1515/saeb-2017-0006	https://doi.org/10.1515/saeb-2017-0006	NOUN
gujaf-36	212	2	nelly	nelly	PROPN
gujaf-36	212	3	,	,	PUNCT
gujaf-36	212	4	k.	k.	PROPN
gujaf-36	212	5	m.	m.	PROPN
gujaf-36	212	6	,	,	PUNCT
gujaf-36	212	7	ambrose	ambrose	PROPN
gujaf-36	212	8	,	,	PUNCT
gujaf-36	212	9	j.	j.	PROPN
gujaf-36	212	10	,	,	PUNCT
gujaf-36	212	11	&	&	CCONJ
gujaf-36	212	12	george	george	PROPN
gujaf-36	212	13	,	,	PUNCT
gujaf-36	212	14	k.	k.	PROPN
gujaf-36	212	15	(	(	PUNCT
gujaf-36	212	16	2019	2019	NUM
gujaf-36	212	17	)	)	PUNCT
gujaf-36	212	18	.	.	PUNCT
gujaf-36	213	1	bank	bank	NOUN
gujaf-36	213	2	size	size	NOUN
gujaf-36	213	3	and	and	CCONJ
gujaf-36	213	4	financial	financial	ADJ
gujaf-36	213	5	risk	risk	NOUN
gujaf-36	213	6	exposure	exposure	NOUN
gujaf-36	213	7	on	on	ADP
gujaf-36	213	8	financial	financial	ADJ
gujaf-36	213	9	performance	performance	NOUN
gujaf-36	213	10	of	of	ADP
gujaf-36	213	11	commercial	commercial	ADJ
gujaf-36	213	12	banks	bank	NOUN
gujaf-36	213	13	in	in	ADP
gujaf-36	213	14	kenya	kenya	PROPN
gujaf-36	213	15	.	.	PUNCT
gujaf-36	214	1	international	international	ADJ
gujaf-36	214	2	journal	journal	PROPN
gujaf-36	214	3	of	of	ADP
gujaf-36	214	4	financial	financial	ADJ
gujaf-36	214	5	research	research	NOUN
gujaf-36	214	6	,	,	PUNCT
gujaf-36	214	7	10(6	10(6	NOUN
gujaf-36	214	8	)	)	PUNCT
gujaf-36	214	9	,	,	PUNCT
gujaf-36	214	10	250–264	250–264	NUM
gujaf-36	214	11	.	.	PUNCT
gujaf-36	215	1	https://doi.org/10.5430/ijfr.v10n6p250	https://doi.org/10.5430/ijfr.v10n6p250	PROPN
gujaf-36	215	2	noman	noman	PROPN
gujaf-36	215	3	,	,	PUNCT
gujaf-36	215	4	a.	a.	PROPN
gujaf-36	215	5	h.	h.	PROPN
gujaf-36	215	6	(	(	PUNCT
gujaf-36	215	7	2015	2015	NUM
gujaf-36	215	8	)	)	PUNCT
gujaf-36	215	9	.	.	PUNCT
gujaf-36	216	1	an	an	DET
gujaf-36	216	2	empirical	empirical	ADJ
gujaf-36	216	3	investigation	investigation	NOUN
gujaf-36	216	4	of	of	ADP
gujaf-36	216	5	profitability	profitability	NOUN
gujaf-36	216	6	of	of	ADP
gujaf-36	216	7	islamic	islamic	ADJ
gujaf-36	216	8	banks	bank	NOUN
gujaf-36	216	9	in	in	ADP
gujaf-36	216	10	bangladesh	bangladesh	NOUN
gujaf-36	216	11	.	.	PUNCT
gujaf-36	217	1	global	global	ADJ
gujaf-36	217	2	journal	journal	PROPN
gujaf-36	217	3	of	of	ADP
gujaf-36	217	4	management	management	NOUN
gujaf-36	217	5	and	and	CCONJ
gujaf-36	217	6	business	business	NOUN
gujaf-36	217	7	research	research	NOUN
gujaf-36	217	8	:	:	PUNCT
gujaf-36	217	9	c	c	PROPN
gujaf-36	217	10	finance	finance	NOUN
gujaf-36	217	11	,	,	PUNCT
gujaf-36	217	12	15(4	15(4	NUM
gujaf-36	217	13	)	)	PUNCT
gujaf-36	217	14	,	,	PUNCT
gujaf-36	217	15	10–22	10–22	NUM
gujaf-36	217	16	.	.	PUNCT
gujaf-36	218	1	gusau	gusau	PROPN
gujaf-36	218	2	journal	journal	PROPN
gujaf-36	218	3	of	of	ADP
gujaf-36	218	4	accounting	accounting	NOUN
gujaf-36	218	5	and	and	CCONJ
gujaf-36	218	6	finance	finance	NOUN
gujaf-36	218	7	,	,	PUNCT
gujaf-36	218	8	vol	vol	NOUN
gujaf-36	218	9	.	.	PUNCT
gujaf-36	219	1	i	i	PRON
gujaf-36	219	2	,	,	PUNCT
gujaf-36	219	3	issue	issue	NOUN
gujaf-36	219	4	2	2	NUM
gujaf-36	219	5	,	,	PUNCT
gujaf-36	219	6	october	october	PROPN
gujaf-36	219	7	,	,	PUNCT
gujaf-36	219	8	2020	2020	NUM
gujaf-36	219	9	14	14	NUM
gujaf-36	219	10	njogo	njogo	NOUN
gujaf-36	219	11	,	,	PUNCT
gujaf-36	219	12	b.o	b.o	PROPN
gujaf-36	219	13	.	.	PROPN
gujaf-36	219	14	(	(	PUNCT
gujaf-36	219	15	2012	2012	NUM
gujaf-36	219	16	)	)	PUNCT
gujaf-36	219	17	„	„	PUNCT
gujaf-36	219	18	risk	risk	NOUN
gujaf-36	219	19	management	management	NOUN
gujaf-36	219	20	in	in	ADP
gujaf-36	219	21	the	the	DET
gujaf-36	219	22	nigerian	nigerian	ADJ
gujaf-36	219	23	banking	banking	PROPN
gujaf-36	219	24	industry‟.	industry‟.	PROPN
gujaf-36	219	25	kuwait	kuwait	PROPN
gujaf-36	219	26	chapter	chapter	PROPN
gujaf-36	219	27	of	of	ADP
gujaf-36	219	28	arabian	arabian	ADJ
gujaf-36	219	29	journal	journal	PROPN
gujaf-36	219	30	of	of	ADP
gujaf-36	219	31	business	business	NOUN
gujaf-36	219	32	and	and	CCONJ
gujaf-36	219	33	management	management	NOUN
gujaf-36	219	34	review	review	NOUN
gujaf-36	219	35	.	.	PUNCT
gujaf-36	220	1	1	1	NUM
gujaf-36	220	2	(	(	PUNCT
gujaf-36	220	3	10	10	NUM
gujaf-36	220	4	)	)	PUNCT
gujaf-36	220	5	.	.	PUNCT
gujaf-36	221	1	verma	verma	PROPN
gujaf-36	221	2	,	,	PUNCT
gujaf-36	221	3	e.	e.	PROPN
gujaf-36	221	4	,	,	PUNCT
gujaf-36	221	5	(	(	PUNCT
gujaf-36	221	6	2010	2010	NUM
gujaf-36	221	7	)	)	PUNCT
gujaf-36	221	8	.	.	PUNCT
gujaf-36	222	1	financial	financial	ADJ
gujaf-36	222	2	risk	risk	NOUN
gujaf-36	222	3	and	and	CCONJ
gujaf-36	222	4	its	its	PRON
gujaf-36	222	5	types	type	NOUN
gujaf-36	222	6	.	.	PUNCT
gujaf-36	223	1	https://www.simplilearn.com/financial-riskandtypes-rar131-article	https://www.simplilearn.com/financial-riskandtypes-rar131-article	PROPN
gujaf-36	223	2	whitaker	whitaker	PROPN
gujaf-36	223	3	,	,	PUNCT
gujaf-36	223	4	r.	r.	PROPN
gujaf-36	223	5	b.	b.	PROPN
gujaf-36	223	6	(	(	PUNCT
gujaf-36	223	7	1999	1999	NUM
gujaf-36	223	8	)	)	PUNCT
gujaf-36	223	9	.	.	PUNCT
gujaf-36	224	1	the	the	DET
gujaf-36	224	2	early	early	ADJ
gujaf-36	224	3	stages	stage	NOUN
gujaf-36	224	4	of	of	ADP
gujaf-36	224	5	financial	financial	ADJ
gujaf-36	224	6	distress	distress	NOUN
gujaf-36	224	7	.	.	PUNCT
gujaf-36	225	1	journal	journal	PROPN
gujaf-36	225	2	of	of	ADP
gujaf-36	225	3	economics	economic	NOUN
gujaf-36	225	4	and	and	CCONJ
gujaf-36	225	5	finance	finance	NOUN
gujaf-36	225	6	,	,	PUNCT
gujaf-36	225	7	23(2	23(2	NUM
gujaf-36	225	8	)	)	PUNCT
gujaf-36	225	9	,	,	PUNCT
gujaf-36	225	10	123	123	NUM
gujaf-36	225	11	-	-	SYM
gujaf-36	225	12	132	132	NUM
gujaf-36	225	13	.	.	PUNCT
gujaf-36	226	1	wruck	wruck	VERB
gujaf-36	226	2	,	,	PUNCT
gujaf-36	226	3	k.	k.	PROPN
gujaf-36	226	4	h.	h.	PROPN
gujaf-36	226	5	(	(	PUNCT
gujaf-36	226	6	1990	1990	NUM
gujaf-36	226	7	)	)	PUNCT
gujaf-36	226	8	.	.	PUNCT
gujaf-36	227	1	financial	financial	ADJ
gujaf-36	227	2	distress	distress	NOUN
gujaf-36	227	3	,	,	PUNCT
gujaf-36	227	4	reorganization	reorganization	NOUN
gujaf-36	227	5	,	,	PUNCT
gujaf-36	227	6	and	and	CCONJ
gujaf-36	227	7	organizational	organizational	ADJ
gujaf-36	227	8	efficiency	efficiency	NOUN
gujaf-36	227	9	.	.	PUNCT
gujaf-36	228	1	journal	journal	NOUN
gujaf-36	228	2	of	of	ADP
gujaf-36	228	3	financial	financial	ADJ
gujaf-36	228	4	economics	economic	NOUN
gujaf-36	228	5	,	,	PUNCT
gujaf-36	228	6	27(2	27(2	NUM
gujaf-36	228	7	)	)	PUNCT
gujaf-36	228	8	,	,	PUNCT
gujaf-36	228	9	419444	419444	NUM
gujaf-36	228	10	serwadda	serwadda	ADV
gujaf-36	228	11	,	,	PUNCT
gujaf-36	228	12	i.	i.	NOUN
gujaf-36	228	13	(	(	PUNCT
gujaf-36	228	14	2018	2018	NUM
gujaf-36	228	15	)	)	PUNCT
gujaf-36	228	16	.	.	PUNCT
gujaf-36	229	1	impact	impact	NOUN
gujaf-36	229	2	of	of	ADP
gujaf-36	229	3	credit	credit	NOUN
gujaf-36	229	4	risk	risk	NOUN
gujaf-36	229	5	management	management	NOUN
gujaf-36	229	6	systems	system	NOUN
gujaf-36	229	7	on	on	ADP
gujaf-36	229	8	the	the	DET
gujaf-36	229	9	financial	financial	ADJ
gujaf-36	229	10	performance	performance	NOUN
gujaf-36	229	11	of	of	ADP
gujaf-36	229	12	commercial	commercial	ADJ
gujaf-36	229	13	banks	bank	NOUN
gujaf-36	229	14	in	in	ADP
gujaf-36	229	15	uganda	uganda	PROPN
gujaf-36	229	16	.	.	PUNCT
gujaf-36	230	1	acta	acta	PROPN
gujaf-36	230	2	universitatis	universitatis	PROPN
gujaf-36	230	3	agriculturae	agriculturae	PROPN
gujaf-36	230	4	et	et	PROPN
gujaf-36	230	5	silviculturae	silviculturae	PROPN
gujaf-36	230	6	mendelianae	mendelianae	PROPN
gujaf-36	230	7	brunensis	brunensis	PROPN
gujaf-36	230	8	66(6	66(6	PROPN
gujaf-36	230	9	)	)	PUNCT
gujaf-36	230	10	,	,	PUNCT
gujaf-36	230	11	1627–1635	1627–1635	NUM
gujaf-36	230	12	.	.	PUNCT
gujaf-36	230	13	soyemi	soyemi	PROPN
gujaf-36	230	14	,	,	PUNCT
gujaf-36	230	15	k.	k.	PROPN
gujaf-36	230	16	a.	a.	PROPN
gujaf-36	230	17	,	,	PUNCT
gujaf-36	230	18	ogunleye	ogunleye	PROPN
gujaf-36	230	19	,	,	PUNCT
gujaf-36	230	20	j.	j.	PROPN
gujaf-36	230	21	o.	o.	PROPN
gujaf-36	230	22	,	,	PUNCT
gujaf-36	230	23	&	&	CCONJ
gujaf-36	230	24	ashogbon	ashogbon	PROPN
gujaf-36	230	25	,	,	PUNCT
gujaf-36	231	1	f.	f.	PROPN
gujaf-36	231	2	o.	o.	PROPN
gujaf-36	231	3	(	(	PUNCT
gujaf-36	231	4	2014	2014	NUM
gujaf-36	231	5	)	)	PUNCT
gujaf-36	231	6	.	.	PUNCT
gujaf-36	232	1	risk	risk	NOUN
gujaf-36	232	2	management	management	NOUN
gujaf-36	232	3	practices	practice	NOUN
gujaf-36	232	4	and	and	CCONJ
gujaf-36	232	5	financial	financial	ADJ
gujaf-36	232	6	performance	performance	NOUN
gujaf-36	232	7	 	 	SPACE
gujaf-36	232	8	:	:	PUNCT
gujaf-36	232	9	evidence	evidence	NOUN
gujaf-36	232	10	from	from	ADP
gujaf-36	232	11	the	the	DET
gujaf-36	232	12	nigerian	nigerian	ADJ
gujaf-36	232	13	deposit	deposit	NOUN
gujaf-36	232	14	money	money	NOUN
gujaf-36	232	15	banks	bank	NOUN
gujaf-36	232	16	(	(	PUNCT
gujaf-36	232	17	dmbs	dmb	NOUN
gujaf-36	232	18	)	)	PUNCT
gujaf-36	232	19	.	.	PUNCT
gujaf-36	233	1	the	the	DET
gujaf-36	233	2	business	business	PROPN
gujaf-36	233	3	&	&	CCONJ
gujaf-36	233	4	management	management	PROPN
gujaf-36	233	5	review	review	PROPN
gujaf-36	233	6	,	,	PUNCT
gujaf-36	233	7	4(4	4(4	NUM
gujaf-36	233	8	)	)	PUNCT
gujaf-36	233	9	,	,	PUNCT
gujaf-36	233	10	345	345	NUM
gujaf-36	233	11	–	–	PUNCT
gujaf-36	233	12	354	354	NUM
gujaf-36	233	13	.	.	PUNCT
gujaf-36	233	14	yahaya	yahaya	PROPN
gujaf-36	233	15	a	a	DET
gujaf-36	233	16	,	,	PUNCT
gujaf-36	233	17	o.	o.	PROPN
gujaf-36	233	18	,	,	PUNCT
gujaf-36	233	19	lamidi	lamidi	PROPN
gujaf-36	233	20	s.y	s.y	PROPN
gujaf-36	233	21	,	,	PUNCT
gujaf-36	233	22	kutigi	kutigi	PROPN
gujaf-36	233	23	,	,	PUNCT
gujaf-36	233	24	m.u	m.u	PROPN
gujaf-36	233	25	&	&	CCONJ
gujaf-36	233	26	ahmed	ahmed	PROPN
gujaf-36	233	27	m.	m.	PROPN
gujaf-36	233	28	(	(	PUNCT
gujaf-36	233	29	2015	2015	NUM
gujaf-36	233	30	)	)	PUNCT
gujaf-36	233	31	.	.	PUNCT
gujaf-36	234	1	the	the	DET
gujaf-36	234	2	correlation	correlation	NOUN
gujaf-36	234	3	between	between	ADP
gujaf-36	234	4	risk	risk	NOUN
gujaf-36	234	5	management	management	NOUN
gujaf-36	234	6	and	and	CCONJ
gujaf-36	234	7	organizational	organizational	ADJ
gujaf-36	234	8	performance	performance	NOUN
gujaf-36	234	9	 	 	SPACE
gujaf-36	234	10	:	:	PUNCT
gujaf-36	234	11	an	an	DET
gujaf-36	234	12	empirical	empirical	ADJ
gujaf-36	234	13	investigation	investigation	NOUN
gujaf-36	234	14	using	use	VERB
gujaf-36	234	15	panel	panel	NOUN
gujaf-36	234	16	data	datum	NOUN
gujaf-36	234	17	.	.	PUNCT
gujaf-36	235	1	research	research	NOUN
gujaf-36	235	2	journal	journal	PROPN
gujaf-36	235	3	of	of	ADP
gujaf-36	235	4	finance	finance	NOUN
gujaf-36	235	5	and	and	CCONJ
gujaf-36	235	6	accounting	accounting	NOUN
gujaf-36	235	7	,	,	PUNCT
gujaf-36	235	8	6(16	6(16	NUM
gujaf-36	235	9	)	)	PUNCT
gujaf-36	235	10	,	,	PUNCT
gujaf-36	235	11	136–147	136–147	NUM
gujaf-36	235	12	.	.	PUNCT
gujaf-36	236	1	yousfi	yousfi	PROPN
gujaf-36	236	2	,	,	PUNCT
gujaf-36	236	3	i.	i.	PROPN
gujaf-36	236	4	(	(	PUNCT
gujaf-36	236	5	2014	2014	NUM
gujaf-36	236	6	)	)	PUNCT
gujaf-36	236	7	.	.	PUNCT
gujaf-36	237	1	risk	risk	NOUN
gujaf-36	237	2	management	management	NOUN
gujaf-36	237	3	practices	practice	NOUN
gujaf-36	237	4	and	and	CCONJ
gujaf-36	237	5	financial	financial	ADJ
gujaf-36	237	6	performance	performance	NOUN
gujaf-36	237	7	in	in	ADP
gujaf-36	237	8	jordan	jordan	PROPN
gujaf-36	237	9	:	:	PUNCT
gujaf-36	237	10	empirical	empirical	ADJ
gujaf-36	237	11	evidence	evidence	NOUN
gujaf-36	237	12	from	from	ADP
gujaf-36	237	13	islamic	islamic	ADJ
gujaf-36	237	14	banks	bank	NOUN
gujaf-36	237	15	.	.	PUNCT
gujaf-36	238	1	international	international	ADJ
gujaf-36	238	2	shari’ah	shari’ah	PROPN
gujaf-36	238	3	research	research	PROPN
gujaf-36	238	4	academy	academy	NOUN
gujaf-36	238	5	for	for	ADP
gujaf-36	238	6	islamic	islamic	PROPN
gujaf-36	238	7	finance	finance	NOUN
gujaf-36	238	8	,	,	PUNCT
gujaf-36	238	9	6(5	6(5	NUM
gujaf-36	238	10	)	)	PUNCT
gujaf-36	238	11	,	,	PUNCT
gujaf-36	238	12	1–24	1–24	PROPN
gujaf-36	238	13	.	.	PUNCT
gujaf-36	239	1	zhongming	zhongming	PROPN
gujaf-36	239	2	,	,	PUNCT
gujaf-36	239	3	t.	t.	PROPN
gujaf-36	239	4	,	,	PUNCT
gujaf-36	239	5	&	&	CCONJ
gujaf-36	239	6	frimpong	frimpong	PROPN
gujaf-36	239	7	,	,	PUNCT
gujaf-36	239	8	s.	s.	PROPN
gujaf-36	239	9	(	(	PUNCT
gujaf-36	239	10	2019	2019	NUM
gujaf-36	239	11	)	)	PUNCT
gujaf-36	239	12	.	.	PUNCT
gujaf-36	240	1	impact	impact	NOUN
gujaf-36	240	2	of	of	ADP
gujaf-36	240	3	financial	financial	ADJ
gujaf-36	240	4	risk	risk	NOUN
gujaf-36	240	5	indicators	indicator	NOUN
gujaf-36	240	6	on	on	ADP
gujaf-36	240	7	banks	bank	NOUN
gujaf-36	240	8	’	'	PUNCT
gujaf-36	240	9	financial	financial	ADJ
gujaf-36	240	10	performance	performance	NOUN
gujaf-36	240	11	in	in	ADP
gujaf-36	240	12	ghana	ghana	PROPN
gujaf-36	240	13	.	.	PUNCT
gujaf-36	241	1	business	business	NOUN
gujaf-36	241	2	and	and	CCONJ
gujaf-36	241	3	economic	economic	ADJ
gujaf-36	241	4	research	research	NOUN
gujaf-36	241	5	,	,	PUNCT
gujaf-36	241	6	9(4	9(4	NUM
gujaf-36	241	7	)	)	PUNCT
gujaf-36	241	8	,	,	PUNCT
gujaf-36	241	9	23–52	23–52	NUM
gujaf-36	241	10	.	.	PUNCT
gujaf-36	242	1	thompson	thompson	PROPN
gujaf-36	242	2	,	,	PUNCT
gujaf-36	242	3	j.	j.	PROPN
gujaf-36	242	4	(	(	PUNCT
gujaf-36	242	5	2019	2019	NUM
gujaf-36	242	6	)	)	PUNCT
gujaf-36	242	7	.	.	PUNCT
gujaf-36	243	1	what	what	PRON
gujaf-36	243	2	is	be	AUX
gujaf-36	243	3	financial	financial	ADJ
gujaf-36	243	4	risk	risk	NOUN
gujaf-36	243	5	management	management	NOUN
gujaf-36	243	6	?	?	PUNCT
gujaf-36	244	1	retrieved	retrieve	VERB
gujaf-36	244	2	october	october	PROPN
gujaf-36	244	3	1	1	NUM
gujaf-36	244	4	,	,	PUNCT
gujaf-36	244	5	2019	2019	NUM
gujaf-36	244	6	from	from	ADP
gujaf-36	244	7	chron	chron	NOUN
gujaf-36	244	8	:	:	PUNCT
gujaf-36	245	1	https://smallbusiness.chron.com/financial-riskmanagement-43326.html	https://smallbusiness.chron.com/financial-riskmanagement-43326.html	PROPN
gujaf-36	245	2	https://www.simplilearn.com/authors/eshna-verma?source=frs_detailspage	https://www.simplilearn.com/authors/eshna-verma?source=frs_detailspage	NOUN
gujaf-36	245	3	https://www.simplilearn.com/financial-risk-%20and-%09types-rar131-article	https://www.simplilearn.com/financial-risk-%20and-%09types-rar131-article	NOUN
gujaf-36	245	4	https://smallbusiness.chron.com/financial-risk-management-43326.html	https://smallbusiness.chron.com/financial-risk-management-43326.html	PROPN
gujaf-36	245	5	https://smallbusiness.chron.com/financial-risk-management-43326.html	https://smallbusiness.chron.com/financial-risk-management-43326.html	PROPN