id	sid	tid	token	lemma	pos
gujaf-373	1	1	microsoft	microsoft	PROPN
gujaf-373	1	2	word	word	PROPN
gujaf-373	1	3	fk	fk	INTJ
gujaf-373	1	4	to	to	ADP
gujaf-373	1	5	mr	mr	PROPN
gujaf-373	1	6	hassan	hassan	PROPN
gujaf-373	1	7	6	6	NUM
gujaf-373	1	8	1	1	NUM
gujaf-373	1	9	gusau	gusau	ADJ
gujaf-373	1	10	journal	journal	NOUN
gujaf-373	1	11	of	of	ADP
gujaf-373	1	12	accounting	accounting	NOUN
gujaf-373	1	13	and	and	CCONJ
gujaf-373	1	14	finance	finance	NOUN
gujaf-373	1	15	,	,	PUNCT
gujaf-373	1	16	vol.6	vol.6	PROPN
gujaf-373	1	17	,	,	PUNCT
gujaf-373	1	18	issue	issue	NOUN
gujaf-373	1	19	1	1	NUM
gujaf-373	1	20	,	,	PUNCT
gujaf-373	1	21	april	april	PROPN
gujaf-373	1	22	,	,	PUNCT
gujaf-373	1	23	2025	2025	NUM
gujaf-373	1	24	122	122	NUM
gujaf-373	1	25	the	the	DET
gujaf-373	1	26	intermediating	intermediating	ADJ
gujaf-373	1	27	role	role	NOUN
gujaf-373	1	28	of	of	ADP
gujaf-373	1	29	financial	financial	ADJ
gujaf-373	1	30	literacy	literacy	NOUN
gujaf-373	1	31	in	in	ADP
gujaf-373	1	32	the	the	DET
gujaf-373	1	33	microfinance	microfinance	NOUN
gujaf-373	1	34	sustainability	sustainability	NOUN
gujaf-373	1	35	nexus	nexus	NOUN
gujaf-373	1	36	:	:	PUNCT
gujaf-373	1	37	evidence	evidence	NOUN
gujaf-373	1	38	from	from	ADP
gujaf-373	1	39	women	woman	NOUN
gujaf-373	1	40	-	-	PUNCT
gujaf-373	1	41	led	lead	VERB
gujaf-373	1	42	smes	sme	NOUN
gujaf-373	1	43	in	in	ADP
gujaf-373	1	44	nigeria	nigeria	PROPN
gujaf-373	1	45	agbeyinka	agbeyinka	PROPN
gujaf-373	1	46	yinka	yinka	PROPN
gujaf-373	1	47	ibrahim	ibrahim	PROPN
gujaf-373	1	48	department	department	PROPN
gujaf-373	1	49	of	of	ADP
gujaf-373	1	50	accounting	accounting	PROPN
gujaf-373	1	51	science	science	NOUN
gujaf-373	1	52	,	,	PUNCT
gujaf-373	1	53	walter	walter	PROPN
gujaf-373	1	54	sisulu	sisulu	PROPN
gujaf-373	1	55	university	university	PROPN
gujaf-373	1	56	mthatha	mthatha	PROPN
gujaf-373	1	57	,	,	PUNCT
gujaf-373	1	58	south	south	PROPN
gujaf-373	1	59	africa	africa	PROPN
gujaf-373	1	60	.	.	PUNCT
gujaf-373	2	1	ibrahim.yadeyinka@gmail.com	ibrahim.yadeyinka@gmail.com	PROPN
gujaf-373	2	2	https://doi.org/10.57233/gujaf.v6i1.09	https://doi.org/10.57233/gujaf.v6i1.09	PROPN
gujaf-373	2	3	abstract	abstract	ADV
gujaf-373	2	4	this	this	DET
gujaf-373	2	5	study	study	NOUN
gujaf-373	2	6	examines	examine	VERB
gujaf-373	2	7	the	the	DET
gujaf-373	2	8	interconnected	interconnected	ADJ
gujaf-373	2	9	roles	role	NOUN
gujaf-373	2	10	of	of	ADP
gujaf-373	2	11	microfinance	microfinance	NOUN
gujaf-373	2	12	access	access	NOUN
gujaf-373	2	13	and	and	CCONJ
gujaf-373	2	14	financial	financial	ADJ
gujaf-373	2	15	literacy	literacy	NOUN
gujaf-373	2	16	in	in	ADP
gujaf-373	2	17	enhancing	enhance	VERB
gujaf-373	2	18	business	business	NOUN
gujaf-373	2	19	sustainability	sustainability	NOUN
gujaf-373	2	20	among	among	ADP
gujaf-373	2	21	women	woman	NOUN
gujaf-373	2	22	-	-	PUNCT
gujaf-373	2	23	led	lead	VERB
gujaf-373	2	24	small	small	ADJ
gujaf-373	2	25	and	and	CCONJ
gujaf-373	2	26	medium	medium	ADJ
gujaf-373	2	27	enterprises	enterprise	NOUN
gujaf-373	2	28	(	(	PUNCT
gujaf-373	2	29	smes	sme	NOUN
gujaf-373	2	30	)	)	PUNCT
gujaf-373	2	31	in	in	ADP
gujaf-373	2	32	nigeria	nigeria	PROPN
gujaf-373	2	33	.	.	PUNCT
gujaf-373	3	1	drawing	draw	VERB
gujaf-373	3	2	on	on	ADP
gujaf-373	3	3	cross	cross	ADJ
gujaf-373	3	4	-	-	ADJ
gujaf-373	3	5	sectional	sectional	ADJ
gujaf-373	3	6	survey	survey	NOUN
gujaf-373	3	7	data	datum	NOUN
gujaf-373	3	8	from	from	ADP
gujaf-373	3	9	3,421	3,421	NUM
gujaf-373	3	10	women	woman	NOUN
gujaf-373	3	11	entrepreneurs	entrepreneur	NOUN
gujaf-373	3	12	across	across	ADP
gujaf-373	3	13	urban	urban	ADJ
gujaf-373	3	14	and	and	CCONJ
gujaf-373	3	15	peri	peri	ADJ
gujaf-373	3	16	-	-	PUNCT
gujaf-373	3	17	urban	urban	ADJ
gujaf-373	3	18	regions	region	NOUN
gujaf-373	3	19	,	,	PUNCT
gujaf-373	3	20	the	the	DET
gujaf-373	3	21	study	study	NOUN
gujaf-373	3	22	employs	employ	VERB
gujaf-373	3	23	a	a	DET
gujaf-373	3	24	mediation	mediation	NOUN
gujaf-373	3	25	analysis	analysis	NOUN
gujaf-373	3	26	within	within	ADP
gujaf-373	3	27	an	an	DET
gujaf-373	3	28	ordinary	ordinary	ADJ
gujaf-373	3	29	least	least	ADJ
gujaf-373	3	30	squares	square	NOUN
gujaf-373	3	31	(	(	PUNCT
gujaf-373	3	32	ols	ol	NOUN
gujaf-373	3	33	)	)	PUNCT
gujaf-373	3	34	framework	framework	NOUN
gujaf-373	3	35	,	,	PUNCT
gujaf-373	3	36	supported	support	VERB
gujaf-373	3	37	by	by	ADP
gujaf-373	3	38	bootstrapping	bootstrappe	VERB
gujaf-373	3	39	procedures	procedure	NOUN
gujaf-373	3	40	and	and	CCONJ
gujaf-373	3	41	robustness	robustness	NOUN
gujaf-373	3	42	checks	check	NOUN
gujaf-373	3	43	using	use	VERB
gujaf-373	3	44	structural	structural	ADJ
gujaf-373	3	45	equation	equation	NOUN
gujaf-373	3	46	modelling	modelling	NOUN
gujaf-373	3	47	.	.	PUNCT
gujaf-373	4	1	the	the	DET
gujaf-373	4	2	empirical	empirical	ADJ
gujaf-373	4	3	findings	finding	NOUN
gujaf-373	4	4	reveal	reveal	VERB
gujaf-373	4	5	that	that	SCONJ
gujaf-373	4	6	access	access	NOUN
gujaf-373	4	7	to	to	ADP
gujaf-373	4	8	microfinance	microfinance	NOUN
gujaf-373	4	9	significantly	significantly	ADV
gujaf-373	4	10	enhances	enhance	VERB
gujaf-373	4	11	business	business	NOUN
gujaf-373	4	12	sustainability	sustainability	NOUN
gujaf-373	4	13	,	,	PUNCT
gujaf-373	4	14	while	while	SCONJ
gujaf-373	4	15	financial	financial	ADJ
gujaf-373	4	16	literacy	literacy	NOUN
gujaf-373	4	17	independently	independently	ADV
gujaf-373	4	18	contributes	contribute	VERB
gujaf-373	4	19	to	to	ADP
gujaf-373	4	20	sustainability	sustainability	NOUN
gujaf-373	4	21	outcomes	outcome	NOUN
gujaf-373	4	22	.	.	PUNCT
gujaf-373	5	1	importantly	importantly	ADV
gujaf-373	5	2	,	,	PUNCT
gujaf-373	5	3	financial	financial	ADJ
gujaf-373	5	4	literacy	literacy	NOUN
gujaf-373	5	5	mediates	mediate	VERB
gujaf-373	5	6	the	the	DET
gujaf-373	5	7	relationship	relationship	NOUN
gujaf-373	5	8	between	between	ADP
gujaf-373	5	9	microfinance	microfinance	NOUN
gujaf-373	5	10	and	and	CCONJ
gujaf-373	5	11	business	business	NOUN
gujaf-373	5	12	sustainability	sustainability	NOUN
gujaf-373	5	13	,	,	PUNCT
gujaf-373	5	14	with	with	ADP
gujaf-373	5	15	a	a	DET
gujaf-373	5	16	statistically	statistically	ADV
gujaf-373	5	17	significant	significant	ADJ
gujaf-373	5	18	indirect	indirect	ADJ
gujaf-373	5	19	effect	effect	NOUN
gujaf-373	5	20	,	,	PUNCT
gujaf-373	5	21	validated	validate	VERB
gujaf-373	5	22	by	by	ADP
gujaf-373	5	23	the	the	DET
gujaf-373	5	24	sobel	sobel	PROPN
gujaf-373	5	25	test	test	NOUN
gujaf-373	5	26	and	and	CCONJ
gujaf-373	5	27	bootstrapped	bootstrappe	VERB
gujaf-373	5	28	confidence	confidence	NOUN
gujaf-373	5	29	intervals	interval	NOUN
gujaf-373	5	30	.	.	PUNCT
gujaf-373	6	1	control	control	NOUN
gujaf-373	6	2	variables	variable	NOUN
gujaf-373	6	3	such	such	ADJ
gujaf-373	6	4	as	as	ADP
gujaf-373	6	5	age	age	NOUN
gujaf-373	6	6	,	,	PUNCT
gujaf-373	6	7	education	education	NOUN
gujaf-373	6	8	,	,	PUNCT
gujaf-373	6	9	and	and	CCONJ
gujaf-373	6	10	business	business	NOUN
gujaf-373	6	11	location	location	NOUN
gujaf-373	6	12	further	far	ADV
gujaf-373	6	13	contextualize	contextualize	VERB
gujaf-373	6	14	the	the	DET
gujaf-373	6	15	findings	finding	NOUN
gujaf-373	6	16	.	.	PUNCT
gujaf-373	7	1	these	these	DET
gujaf-373	7	2	results	result	NOUN
gujaf-373	7	3	highlight	highlight	VERB
gujaf-373	7	4	the	the	DET
gujaf-373	7	5	critical	critical	ADJ
gujaf-373	7	6	role	role	NOUN
gujaf-373	7	7	of	of	ADP
gujaf-373	7	8	cognitive	cognitive	ADJ
gujaf-373	7	9	and	and	CCONJ
gujaf-373	7	10	educational	educational	ADJ
gujaf-373	7	11	capabilities	capability	NOUN
gujaf-373	7	12	in	in	ADP
gujaf-373	7	13	translating	translate	VERB
gujaf-373	7	14	access	access	NOUN
gujaf-373	7	15	to	to	ADP
gujaf-373	7	16	finance	finance	NOUN
gujaf-373	7	17	into	into	ADP
gujaf-373	7	18	sustainable	sustainable	ADJ
gujaf-373	7	19	business	business	NOUN
gujaf-373	7	20	performance	performance	NOUN
gujaf-373	7	21	.	.	PUNCT
gujaf-373	8	1	policymakers	policymaker	NOUN
gujaf-373	8	2	and	and	CCONJ
gujaf-373	8	3	development	development	NOUN
gujaf-373	8	4	practitioners	practitioner	NOUN
gujaf-373	8	5	are	be	AUX
gujaf-373	8	6	encouraged	encourage	VERB
gujaf-373	8	7	to	to	PART
gujaf-373	8	8	embed	embed	VERB
gujaf-373	8	9	financial	financial	ADJ
gujaf-373	8	10	literacy	literacy	NOUN
gujaf-373	8	11	training	training	NOUN
gujaf-373	8	12	within	within	ADP
gujaf-373	8	13	microfinance	microfinance	NOUN
gujaf-373	8	14	schemes	scheme	NOUN
gujaf-373	8	15	and	and	CCONJ
gujaf-373	8	16	develop	develop	VERB
gujaf-373	8	17	targeted	targeted	ADJ
gujaf-373	8	18	programs	program	NOUN
gujaf-373	8	19	for	for	ADP
gujaf-373	8	20	rural	rural	ADJ
gujaf-373	8	21	and	and	CCONJ
gujaf-373	8	22	underserved	underserved	ADJ
gujaf-373	8	23	populations	population	NOUN
gujaf-373	8	24	.	.	PUNCT
gujaf-373	9	1	future	future	ADJ
gujaf-373	9	2	research	research	NOUN
gujaf-373	9	3	should	should	AUX
gujaf-373	9	4	adopt	adopt	VERB
gujaf-373	9	5	longitudinal	longitudinal	ADJ
gujaf-373	9	6	and	and	CCONJ
gujaf-373	9	7	experimental	experimental	ADJ
gujaf-373	9	8	designs	design	NOUN
gujaf-373	9	9	to	to	PART
gujaf-373	9	10	validate	validate	VERB
gujaf-373	9	11	causality	causality	NOUN
gujaf-373	9	12	and	and	CCONJ
gujaf-373	9	13	assess	assess	VERB
gujaf-373	9	14	sectoral	sectoral	ADJ
gujaf-373	9	15	and	and	CCONJ
gujaf-373	9	16	digital	digital	ADJ
gujaf-373	9	17	moderating	moderate	VERB
gujaf-373	9	18	factors	factor	NOUN
gujaf-373	9	19	in	in	ADP
gujaf-373	9	20	the	the	DET
gujaf-373	9	21	financial	financial	ADJ
gujaf-373	9	22	empowerment	empowerment	NOUN
gujaf-373	9	23	of	of	ADP
gujaf-373	9	24	women	woman	NOUN
gujaf-373	9	25	entrepreneurs	entrepreneur	NOUN
gujaf-373	9	26	.	.	PUNCT
gujaf-373	10	1	keywords	keyword	NOUN
gujaf-373	10	2	:	:	PUNCT
gujaf-373	10	3	microfinance	microfinance	NOUN
gujaf-373	10	4	,	,	PUNCT
gujaf-373	10	5	financial	financial	ADJ
gujaf-373	10	6	literacy	literacy	NOUN
gujaf-373	10	7	,	,	PUNCT
gujaf-373	10	8	business	business	NOUN
gujaf-373	10	9	sustainability	sustainability	NOUN
gujaf-373	10	10	,	,	PUNCT
gujaf-373	10	11	women	woman	NOUN
gujaf-373	10	12	entrepreneurs	entrepreneur	NOUN
gujaf-373	10	13	,	,	PUNCT
gujaf-373	10	14	mediation	mediation	NOUN
gujaf-373	10	15	analysis	analysis	NOUN
gujaf-373	10	16	,	,	PUNCT
gujaf-373	10	17	nigeria	nigeria	PROPN
gujaf-373	10	18	jel	jel	PROPN
gujaf-373	10	19	codes	code	NOUN
gujaf-373	10	20	:	:	PUNCT
gujaf-373	10	21	g21	g21	PROPN
gujaf-373	10	22	,	,	PUNCT
gujaf-373	10	23	m13	m13	NOUN
gujaf-373	10	24	,	,	PUNCT
gujaf-373	10	25	l26	l26	VERB
gujaf-373	10	26	,	,	PUNCT
gujaf-373	10	27	o16	o16	X
gujaf-373	10	28	1.0	1.0	NUM
gujaf-373	10	29	introduction	introduction	NOUN
gujaf-373	10	30	the	the	DET
gujaf-373	10	31	entrepreneurial	entrepreneurial	ADJ
gujaf-373	10	32	landscape	landscape	NOUN
gujaf-373	10	33	in	in	ADP
gujaf-373	10	34	sub	sub	ADJ
gujaf-373	10	35	-	-	ADJ
gujaf-373	10	36	saharan	saharan	ADJ
gujaf-373	10	37	africa	africa	PROPN
gujaf-373	10	38	has	have	AUX
gujaf-373	10	39	witnessed	witness	VERB
gujaf-373	10	40	significant	significant	ADJ
gujaf-373	10	41	growth	growth	NOUN
gujaf-373	10	42	,	,	PUNCT
gujaf-373	10	43	with	with	ADP
gujaf-373	10	44	women	woman	NOUN
gujaf-373	10	45	increasingly	increasingly	ADV
gujaf-373	10	46	engaging	engage	VERB
gujaf-373	10	47	in	in	ADP
gujaf-373	10	48	small	small	ADJ
gujaf-373	10	49	and	and	CCONJ
gujaf-373	10	50	medium	medium	ADJ
gujaf-373	10	51	-	-	PUNCT
gujaf-373	10	52	sized	sized	ADJ
gujaf-373	10	53	enterprises	enterprise	NOUN
gujaf-373	10	54	(	(	PUNCT
gujaf-373	10	55	smes	sme	NOUN
gujaf-373	10	56	)	)	PUNCT
gujaf-373	10	57	as	as	ADP
gujaf-373	10	58	a	a	DET
gujaf-373	10	59	means	means	NOUN
gujaf-373	10	60	of	of	ADP
gujaf-373	10	61	economic	economic	ADJ
gujaf-373	10	62	empowerment	empowerment	NOUN
gujaf-373	10	63	and	and	CCONJ
gujaf-373	10	64	poverty	poverty	NOUN
gujaf-373	10	65	alleviation	alleviation	NOUN
gujaf-373	10	66	.	.	PUNCT
gujaf-373	11	1	in	in	ADP
gujaf-373	11	2	nigeria	nigeria	PROPN
gujaf-373	11	3	,	,	PUNCT
gujaf-373	11	4	women	woman	NOUN
gujaf-373	11	5	-	-	PUNCT
gujaf-373	11	6	led	lead	VERB
gujaf-373	11	7	smes	sme	NOUN
gujaf-373	11	8	represent	represent	VERB
gujaf-373	11	9	a	a	DET
gujaf-373	11	10	vital	vital	ADJ
gujaf-373	11	11	segment	segment	NOUN
gujaf-373	11	12	of	of	ADP
gujaf-373	11	13	the	the	DET
gujaf-373	11	14	informal	informal	ADJ
gujaf-373	11	15	and	and	CCONJ
gujaf-373	11	16	formal	formal	ADJ
gujaf-373	11	17	economy	economy	NOUN
gujaf-373	11	18	,	,	PUNCT
gujaf-373	11	19	contributing	contribute	VERB
gujaf-373	11	20	to	to	ADP
gujaf-373	11	21	employment	employment	NOUN
gujaf-373	11	22	creation	creation	NOUN
gujaf-373	11	23	,	,	PUNCT
gujaf-373	11	24	household	household	NOUN
gujaf-373	11	25	income	income	NOUN
gujaf-373	11	26	,	,	PUNCT
gujaf-373	11	27	and	and	CCONJ
gujaf-373	11	28	national	national	ADJ
gujaf-373	11	29	development	development	NOUN
gujaf-373	11	30	(	(	PUNCT
gujaf-373	11	31	world	world	PROPN
gujaf-373	11	32	bank	bank	PROPN
gujaf-373	11	33	,	,	PUNCT
gujaf-373	11	34	2021	2021	NUM
gujaf-373	11	35	)	)	PUNCT
gujaf-373	11	36	.	.	PUNCT
gujaf-373	12	1	despite	despite	SCONJ
gujaf-373	12	2	the	the	DET
gujaf-373	12	3	proliferation	proliferation	NOUN
gujaf-373	12	4	of	of	ADP
gujaf-373	12	5	microfinance	microfinance	NOUN
gujaf-373	12	6	institutions	institution	NOUN
gujaf-373	12	7	aimed	aim	VERB
gujaf-373	12	8	at	at	ADP
gujaf-373	12	9	supporting	support	VERB
gujaf-373	12	10	these	these	DET
gujaf-373	12	11	enterprises	enterprise	NOUN
gujaf-373	12	12	,	,	PUNCT
gujaf-373	12	13	the	the	DET
gujaf-373	12	14	sustainability	sustainability	NOUN
gujaf-373	12	15	and	and	CCONJ
gujaf-373	12	16	success	success	NOUN
gujaf-373	12	17	rates	rate	NOUN
gujaf-373	12	18	of	of	ADP
gujaf-373	12	19	womenled	womenle	VERB
gujaf-373	12	20	businesses	business	NOUN
gujaf-373	12	21	remain	remain	VERB
gujaf-373	12	22	mixed	mixed	ADJ
gujaf-373	12	23	,	,	PUNCT
gujaf-373	12	24	suggesting	suggest	VERB
gujaf-373	12	25	that	that	SCONJ
gujaf-373	12	26	access	access	NOUN
gujaf-373	12	27	to	to	ADP
gujaf-373	12	28	finance	finance	NOUN
gujaf-373	12	29	alone	alone	ADV
gujaf-373	12	30	may	may	AUX
gujaf-373	12	31	be	be	AUX
gujaf-373	12	32	insufficient	insufficient	ADJ
gujaf-373	12	33	(	(	PUNCT
gujaf-373	12	34	adeoye	adeoye	VERB
gujaf-373	12	35	et	et	PROPN
gujaf-373	12	36	al	al	PROPN
gujaf-373	12	37	.	.	PROPN
gujaf-373	12	38	,	,	PUNCT
gujaf-373	12	39	2023	2023	NUM
gujaf-373	12	40	)	)	PUNCT
gujaf-373	12	41	.	.	PUNCT
gujaf-373	13	1	scholars	scholar	NOUN
gujaf-373	13	2	have	have	AUX
gujaf-373	13	3	therefore	therefore	ADV
gujaf-373	13	4	begun	begin	VERB
gujaf-373	13	5	to	to	PART
gujaf-373	13	6	investigate	investigate	VERB
gujaf-373	13	7	the	the	DET
gujaf-373	13	8	mediating	mediate	VERB
gujaf-373	13	9	role	role	NOUN
gujaf-373	13	10	of	of	ADP
gujaf-373	13	11	financial	financial	ADJ
gujaf-373	13	12	literacy	literacy	NOUN
gujaf-373	13	13	,	,	PUNCT
gujaf-373	13	14	proposing	propose	VERB
gujaf-373	13	15	that	that	SCONJ
gujaf-373	13	16	the	the	DET
gujaf-373	13	17	ability	ability	NOUN
gujaf-373	13	18	to	to	PART
gujaf-373	13	19	understand	understand	VERB
gujaf-373	13	20	and	and	CCONJ
gujaf-373	13	21	apply	apply	VERB
gujaf-373	13	22	financial	financial	ADJ
gujaf-373	13	23	knowledge	knowledge	NOUN
gujaf-373	13	24	may	may	AUX
gujaf-373	13	25	significantly	significantly	ADV
gujaf-373	13	26	shape	shape	VERB
gujaf-373	13	27	entrepreneurial	entrepreneurial	ADJ
gujaf-373	13	28	outcomes	outcome	NOUN
gujaf-373	13	29	(	(	PUNCT
gujaf-373	13	30	oseifuah	oseifuah	PROPN
gujaf-373	13	31	&	&	CCONJ
gujaf-373	13	32	gyekye	gyekye	PROPN
gujaf-373	13	33	,	,	PUNCT
gujaf-373	13	34	2022	2022	NUM
gujaf-373	13	35	)	)	PUNCT
gujaf-373	13	36	.	.	PUNCT
gujaf-373	14	1	gusau	gusau	PROPN
gujaf-373	14	2	journal	journal	PROPN
gujaf-373	14	3	of	of	ADP
gujaf-373	14	4	accounting	accounting	NOUN
gujaf-373	14	5	and	and	CCONJ
gujaf-373	14	6	finance	finance	NOUN
gujaf-373	14	7	,	,	PUNCT
gujaf-373	14	8	vol.6	vol.6	PROPN
gujaf-373	14	9	,	,	PUNCT
gujaf-373	14	10	issue	issue	NOUN
gujaf-373	14	11	1	1	NUM
gujaf-373	14	12	,	,	PUNCT
gujaf-373	14	13	april	april	PROPN
gujaf-373	14	14	,	,	PUNCT
gujaf-373	14	15	2025	2025	NUM
gujaf-373	14	16	123	123	NUM
gujaf-373	14	17	financial	financial	ADJ
gujaf-373	14	18	literacy	literacy	NOUN
gujaf-373	14	19	encompasses	encompass	VERB
gujaf-373	14	20	knowledge	knowledge	NOUN
gujaf-373	14	21	and	and	CCONJ
gujaf-373	14	22	skills	skill	NOUN
gujaf-373	14	23	that	that	PRON
gujaf-373	14	24	enable	enable	VERB
gujaf-373	14	25	effective	effective	ADJ
gujaf-373	14	26	financial	financial	ADJ
gujaf-373	14	27	decisionmaking	decisionmaking	NOUN
gujaf-373	14	28	,	,	PUNCT
gujaf-373	14	29	including	include	VERB
gujaf-373	14	30	budgeting	budgeting	NOUN
gujaf-373	14	31	,	,	PUNCT
gujaf-373	14	32	credit	credit	NOUN
gujaf-373	14	33	management	management	NOUN
gujaf-373	14	34	,	,	PUNCT
gujaf-373	14	35	savings	saving	NOUN
gujaf-373	14	36	,	,	PUNCT
gujaf-373	14	37	and	and	CCONJ
gujaf-373	14	38	investment	investment	NOUN
gujaf-373	14	39	planning	planning	NOUN
gujaf-373	14	40	(	(	PUNCT
gujaf-373	14	41	oecd	oecd	PROPN
gujaf-373	14	42	,	,	PUNCT
gujaf-373	14	43	2022	2022	NUM
gujaf-373	14	44	)	)	PUNCT
gujaf-373	14	45	.	.	PUNCT
gujaf-373	15	1	among	among	ADP
gujaf-373	15	2	women	woman	NOUN
gujaf-373	15	3	entrepreneurs	entrepreneur	NOUN
gujaf-373	15	4	,	,	PUNCT
gujaf-373	15	5	financial	financial	ADJ
gujaf-373	15	6	literacy	literacy	NOUN
gujaf-373	15	7	is	be	AUX
gujaf-373	15	8	not	not	PART
gujaf-373	15	9	merely	merely	ADV
gujaf-373	15	10	a	a	DET
gujaf-373	15	11	desirable	desirable	ADJ
gujaf-373	15	12	skill	skill	NOUN
gujaf-373	15	13	but	but	CCONJ
gujaf-373	15	14	a	a	DET
gujaf-373	15	15	critical	critical	ADJ
gujaf-373	15	16	asset	asset	NOUN
gujaf-373	15	17	that	that	PRON
gujaf-373	15	18	influences	influence	VERB
gujaf-373	15	19	the	the	DET
gujaf-373	15	20	capacity	capacity	NOUN
gujaf-373	15	21	to	to	PART
gujaf-373	15	22	leverage	leverage	VERB
gujaf-373	15	23	external	external	ADJ
gujaf-373	15	24	financing	financing	NOUN
gujaf-373	15	25	effectively	effectively	ADV
gujaf-373	15	26	.	.	PUNCT
gujaf-373	16	1	prior	prior	ADJ
gujaf-373	16	2	research	research	NOUN
gujaf-373	16	3	has	have	AUX
gujaf-373	16	4	emphasized	emphasize	VERB
gujaf-373	16	5	that	that	SCONJ
gujaf-373	16	6	while	while	SCONJ
gujaf-373	16	7	microfinance	microfinance	NOUN
gujaf-373	16	8	provides	provide	VERB
gujaf-373	16	9	the	the	DET
gujaf-373	16	10	necessary	necessary	ADJ
gujaf-373	16	11	capital	capital	NOUN
gujaf-373	16	12	,	,	PUNCT
gujaf-373	16	13	entrepreneurs	entrepreneur	NOUN
gujaf-373	16	14	lacking	lack	VERB
gujaf-373	16	15	financial	financial	ADJ
gujaf-373	16	16	knowledge	knowledge	NOUN
gujaf-373	16	17	may	may	AUX
gujaf-373	16	18	misallocate	misallocate	VERB
gujaf-373	16	19	resources	resource	NOUN
gujaf-373	16	20	,	,	PUNCT
gujaf-373	16	21	face	face	VERB
gujaf-373	16	22	cash	cash	NOUN
gujaf-373	16	23	flow	flow	NOUN
gujaf-373	16	24	problems	problem	NOUN
gujaf-373	16	25	,	,	PUNCT
gujaf-373	16	26	or	or	CCONJ
gujaf-373	16	27	struggle	struggle	VERB
gujaf-373	16	28	with	with	ADP
gujaf-373	16	29	loan	loan	NOUN
gujaf-373	16	30	repayment	repayment	NOUN
gujaf-373	16	31	,	,	PUNCT
gujaf-373	16	32	ultimately	ultimately	ADV
gujaf-373	16	33	jeopardizing	jeopardize	VERB
gujaf-373	16	34	business	business	NOUN
gujaf-373	16	35	viability	viability	NOUN
gujaf-373	16	36	(	(	PUNCT
gujaf-373	16	37	yusuf	yusuf	PROPN
gujaf-373	16	38	et	et	PROPN
gujaf-373	16	39	al	al	PROPN
gujaf-373	16	40	.	.	PROPN
gujaf-373	16	41	,	,	PUNCT
gujaf-373	16	42	2024	2024	NUM
gujaf-373	16	43	)	)	PUNCT
gujaf-373	16	44	.	.	PUNCT
gujaf-373	17	1	consequently	consequently	ADV
gujaf-373	17	2	,	,	PUNCT
gujaf-373	17	3	financial	financial	ADJ
gujaf-373	17	4	literacy	literacy	NOUN
gujaf-373	17	5	can	can	AUX
gujaf-373	17	6	serve	serve	VERB
gujaf-373	17	7	as	as	ADP
gujaf-373	17	8	a	a	DET
gujaf-373	17	9	mediating	mediate	VERB
gujaf-373	17	10	mechanism	mechanism	NOUN
gujaf-373	17	11	,	,	PUNCT
gujaf-373	17	12	translating	translate	VERB
gujaf-373	17	13	access	access	NOUN
gujaf-373	17	14	to	to	ADP
gujaf-373	17	15	financial	financial	ADJ
gujaf-373	17	16	resources	resource	NOUN
gujaf-373	17	17	into	into	ADP
gujaf-373	17	18	sustainable	sustainable	ADJ
gujaf-373	17	19	entrepreneurial	entrepreneurial	ADJ
gujaf-373	17	20	practices	practice	NOUN
gujaf-373	17	21	.	.	PUNCT
gujaf-373	18	1	nigeria	nigeria	PROPN
gujaf-373	18	2	presents	present	VERB
gujaf-373	18	3	a	a	DET
gujaf-373	18	4	unique	unique	ADJ
gujaf-373	18	5	context	context	NOUN
gujaf-373	18	6	in	in	ADP
gujaf-373	18	7	which	which	PRON
gujaf-373	18	8	women	woman	NOUN
gujaf-373	18	9	entrepreneurs	entrepreneur	NOUN
gujaf-373	18	10	often	often	ADV
gujaf-373	18	11	face	face	VERB
gujaf-373	18	12	structural	structural	ADJ
gujaf-373	18	13	barriers	barrier	NOUN
gujaf-373	18	14	such	such	ADJ
gujaf-373	18	15	as	as	ADP
gujaf-373	18	16	limited	limited	ADJ
gujaf-373	18	17	education	education	NOUN
gujaf-373	18	18	,	,	PUNCT
gujaf-373	18	19	socio	socio	NOUN
gujaf-373	18	20	-	-	PUNCT
gujaf-373	18	21	cultural	cultural	ADJ
gujaf-373	18	22	constraints	constraint	NOUN
gujaf-373	18	23	,	,	PUNCT
gujaf-373	18	24	and	and	CCONJ
gujaf-373	18	25	restricted	restrict	VERB
gujaf-373	18	26	access	access	NOUN
gujaf-373	18	27	to	to	ADP
gujaf-373	18	28	formal	formal	ADJ
gujaf-373	18	29	financial	financial	ADJ
gujaf-373	18	30	institutions	institution	NOUN
gujaf-373	18	31	.	.	PUNCT
gujaf-373	19	1	these	these	DET
gujaf-373	19	2	challenges	challenge	NOUN
gujaf-373	19	3	underscore	underscore	VERB
gujaf-373	19	4	the	the	DET
gujaf-373	19	5	need	need	NOUN
gujaf-373	19	6	to	to	PART
gujaf-373	19	7	examine	examine	VERB
gujaf-373	19	8	not	not	PART
gujaf-373	19	9	only	only	ADV
gujaf-373	19	10	the	the	DET
gujaf-373	19	11	availability	availability	NOUN
gujaf-373	19	12	of	of	ADP
gujaf-373	19	13	financial	financial	ADJ
gujaf-373	19	14	services	service	NOUN
gujaf-373	19	15	but	but	CCONJ
gujaf-373	19	16	also	also	ADV
gujaf-373	19	17	the	the	DET
gujaf-373	19	18	cognitive	cognitive	ADJ
gujaf-373	19	19	and	and	CCONJ
gujaf-373	19	20	behavioral	behavioral	ADJ
gujaf-373	19	21	competencies	competency	NOUN
gujaf-373	19	22	that	that	PRON
gujaf-373	19	23	facilitate	facilitate	VERB
gujaf-373	19	24	their	their	PRON
gujaf-373	19	25	optimal	optimal	ADJ
gujaf-373	19	26	use	use	NOUN
gujaf-373	19	27	(	(	PUNCT
gujaf-373	19	28	nwokolo	nwokolo	ADV
gujaf-373	19	29	et	et	PROPN
gujaf-373	19	30	al	al	PROPN
gujaf-373	19	31	.	.	PROPN
gujaf-373	19	32	,	,	PUNCT
gujaf-373	19	33	2021	2021	NUM
gujaf-373	19	34	)	)	PUNCT
gujaf-373	19	35	.	.	PUNCT
gujaf-373	20	1	recent	recent	ADJ
gujaf-373	20	2	studies	study	NOUN
gujaf-373	20	3	suggest	suggest	VERB
gujaf-373	20	4	that	that	SCONJ
gujaf-373	20	5	entrepreneurial	entrepreneurial	ADJ
gujaf-373	20	6	success	success	NOUN
gujaf-373	20	7	is	be	AUX
gujaf-373	20	8	increasingly	increasingly	ADV
gujaf-373	20	9	linked	link	VERB
gujaf-373	20	10	to	to	ADP
gujaf-373	20	11	soft	soft	ADJ
gujaf-373	20	12	skills	skill	NOUN
gujaf-373	20	13	and	and	CCONJ
gujaf-373	20	14	financial	financial	ADJ
gujaf-373	20	15	capabilities	capability	NOUN
gujaf-373	20	16	,	,	PUNCT
gujaf-373	20	17	reinforcing	reinforce	VERB
gujaf-373	20	18	the	the	DET
gujaf-373	20	19	argument	argument	NOUN
gujaf-373	20	20	for	for	ADP
gujaf-373	20	21	integrated	integrate	VERB
gujaf-373	20	22	policy	policy	NOUN
gujaf-373	20	23	frameworks	framework	NOUN
gujaf-373	20	24	that	that	PRON
gujaf-373	20	25	promote	promote	VERB
gujaf-373	20	26	financial	financial	ADJ
gujaf-373	20	27	education	education	NOUN
gujaf-373	20	28	alongside	alongside	ADP
gujaf-373	20	29	microfinance	microfinance	NOUN
gujaf-373	20	30	schemes	scheme	NOUN
gujaf-373	20	31	(	(	PUNCT
gujaf-373	20	32	okonkwo	okonkwo	NOUN
gujaf-373	20	33	&	&	CCONJ
gujaf-373	20	34	ogbuabor	ogbuabor	PROPN
gujaf-373	20	35	,	,	PUNCT
gujaf-373	20	36	2023	2023	NUM
gujaf-373	20	37	)	)	PUNCT
gujaf-373	20	38	.	.	PUNCT
gujaf-373	21	1	however	however	ADV
gujaf-373	21	2	,	,	PUNCT
gujaf-373	21	3	there	there	PRON
gujaf-373	21	4	remains	remain	VERB
gujaf-373	21	5	a	a	DET
gujaf-373	21	6	dearth	dearth	NOUN
gujaf-373	21	7	of	of	ADP
gujaf-373	21	8	empirical	empirical	ADJ
gujaf-373	21	9	studies	study	NOUN
gujaf-373	21	10	that	that	PRON
gujaf-373	21	11	rigorously	rigorously	ADV
gujaf-373	21	12	assess	assess	VERB
gujaf-373	21	13	the	the	DET
gujaf-373	21	14	interplay	interplay	NOUN
gujaf-373	21	15	between	between	ADP
gujaf-373	21	16	financial	financial	ADJ
gujaf-373	21	17	access	access	NOUN
gujaf-373	21	18	,	,	PUNCT
gujaf-373	21	19	literacy	literacy	NOUN
gujaf-373	21	20	,	,	PUNCT
gujaf-373	21	21	and	and	CCONJ
gujaf-373	21	22	long	long	ADJ
gujaf-373	21	23	-	-	PUNCT
gujaf-373	21	24	term	term	NOUN
gujaf-373	21	25	business	business	NOUN
gujaf-373	21	26	sustainability	sustainability	NOUN
gujaf-373	21	27	,	,	PUNCT
gujaf-373	21	28	particularly	particularly	ADV
gujaf-373	21	29	through	through	ADP
gujaf-373	21	30	a	a	DET
gujaf-373	21	31	mediation	mediation	NOUN
gujaf-373	21	32	framework	framework	NOUN
gujaf-373	21	33	.	.	PUNCT
gujaf-373	22	1	this	this	DET
gujaf-373	22	2	study	study	NOUN
gujaf-373	22	3	investigates	investigate	VERB
gujaf-373	22	4	the	the	DET
gujaf-373	22	5	role	role	NOUN
gujaf-373	22	6	of	of	ADP
gujaf-373	22	7	financial	financial	ADJ
gujaf-373	22	8	literacy	literacy	NOUN
gujaf-373	22	9	in	in	ADP
gujaf-373	22	10	mediating	mediate	VERB
gujaf-373	22	11	the	the	DET
gujaf-373	22	12	relationship	relationship	NOUN
gujaf-373	22	13	between	between	ADP
gujaf-373	22	14	access	access	NOUN
gujaf-373	22	15	to	to	ADP
gujaf-373	22	16	microfinance	microfinance	NOUN
gujaf-373	22	17	and	and	CCONJ
gujaf-373	22	18	business	business	NOUN
gujaf-373	22	19	sustainability	sustainability	NOUN
gujaf-373	22	20	among	among	ADP
gujaf-373	22	21	women	woman	NOUN
gujaf-373	22	22	-	-	PUNCT
gujaf-373	22	23	led	lead	VERB
gujaf-373	22	24	smes	sme	NOUN
gujaf-373	22	25	in	in	ADP
gujaf-373	22	26	nigeria	nigeria	PROPN
gujaf-373	22	27	.	.	PUNCT
gujaf-373	23	1	adopting	adopt	VERB
gujaf-373	23	2	a	a	DET
gujaf-373	23	3	mixed	mixed	ADJ
gujaf-373	23	4	-	-	PUNCT
gujaf-373	23	5	methods	method	NOUN
gujaf-373	23	6	approach	approach	NOUN
gujaf-373	23	7	,	,	PUNCT
gujaf-373	23	8	the	the	DET
gujaf-373	23	9	research	research	NOUN
gujaf-373	23	10	combines	combine	VERB
gujaf-373	23	11	quantitative	quantitative	ADJ
gujaf-373	23	12	data	datum	NOUN
gujaf-373	23	13	from	from	ADP
gujaf-373	23	14	structured	structured	ADJ
gujaf-373	23	15	surveys	survey	NOUN
gujaf-373	23	16	with	with	ADP
gujaf-373	23	17	qualitative	qualitative	ADJ
gujaf-373	23	18	insights	insight	NOUN
gujaf-373	23	19	from	from	ADP
gujaf-373	23	20	in	in	ADP
gujaf-373	23	21	-	-	PUNCT
gujaf-373	23	22	depth	depth	NOUN
gujaf-373	23	23	interviews	interview	NOUN
gujaf-373	23	24	.	.	PUNCT
gujaf-373	24	1	regression	regression	VERB
gujaf-373	24	2	analysis	analysis	NOUN
gujaf-373	24	3	with	with	ADP
gujaf-373	24	4	mediation	mediation	NOUN
gujaf-373	24	5	testing	testing	NOUN
gujaf-373	24	6	(	(	PUNCT
gujaf-373	24	7	using	use	VERB
gujaf-373	24	8	the	the	DET
gujaf-373	24	9	baron	baron	NOUN
gujaf-373	24	10	and	and	CCONJ
gujaf-373	24	11	kenny	kenny	PROPN
gujaf-373	24	12	method	method	PROPN
gujaf-373	24	13	and	and	CCONJ
gujaf-373	24	14	bootstrapped	bootstrappe	VERB
gujaf-373	24	15	confidence	confidence	NOUN
gujaf-373	24	16	intervals	interval	NOUN
gujaf-373	24	17	)	)	PUNCT
gujaf-373	24	18	provides	provide	VERB
gujaf-373	24	19	robust	robust	ADJ
gujaf-373	24	20	evidence	evidence	NOUN
gujaf-373	24	21	of	of	ADP
gujaf-373	24	22	the	the	DET
gujaf-373	24	23	indirect	indirect	ADJ
gujaf-373	24	24	effects	effect	NOUN
gujaf-373	24	25	of	of	ADP
gujaf-373	24	26	financial	financial	ADJ
gujaf-373	24	27	literacy	literacy	NOUN
gujaf-373	24	28	.	.	PUNCT
gujaf-373	25	1	the	the	DET
gujaf-373	25	2	study	study	NOUN
gujaf-373	25	3	seeks	seek	VERB
gujaf-373	25	4	to	to	PART
gujaf-373	25	5	contribute	contribute	VERB
gujaf-373	25	6	to	to	ADP
gujaf-373	25	7	the	the	DET
gujaf-373	25	8	growing	grow	VERB
gujaf-373	25	9	body	body	NOUN
gujaf-373	25	10	of	of	ADP
gujaf-373	25	11	literature	literature	NOUN
gujaf-373	25	12	that	that	PRON
gujaf-373	25	13	emphasizes	emphasize	VERB
gujaf-373	25	14	capacity	capacity	NOUN
gujaf-373	25	15	-	-	PUNCT
gujaf-373	25	16	building	building	NOUN
gujaf-373	25	17	as	as	ADP
gujaf-373	25	18	a	a	DET
gujaf-373	25	19	complement	complement	NOUN
gujaf-373	25	20	to	to	ADP
gujaf-373	25	21	capital	capital	NOUN
gujaf-373	25	22	access	access	NOUN
gujaf-373	25	23	in	in	ADP
gujaf-373	25	24	driving	drive	VERB
gujaf-373	25	25	women	woman	NOUN
gujaf-373	25	26	’s	’s	PART
gujaf-373	25	27	entrepreneurial	entrepreneurial	ADJ
gujaf-373	25	28	success	success	NOUN
gujaf-373	25	29	.	.	PUNCT
gujaf-373	26	1	the	the	DET
gujaf-373	26	2	findings	finding	NOUN
gujaf-373	26	3	have	have	VERB
gujaf-373	26	4	significant	significant	ADJ
gujaf-373	26	5	implications	implication	NOUN
gujaf-373	26	6	for	for	ADP
gujaf-373	26	7	policymakers	policymaker	NOUN
gujaf-373	26	8	,	,	PUNCT
gujaf-373	26	9	microfinance	microfinance	NOUN
gujaf-373	26	10	institutions	institution	NOUN
gujaf-373	26	11	,	,	PUNCT
gujaf-373	26	12	and	and	CCONJ
gujaf-373	26	13	development	development	NOUN
gujaf-373	26	14	agencies	agency	NOUN
gujaf-373	26	15	aiming	aim	VERB
gujaf-373	26	16	to	to	PART
gujaf-373	26	17	promote	promote	VERB
gujaf-373	26	18	inclusive	inclusive	ADJ
gujaf-373	26	19	economic	economic	ADJ
gujaf-373	26	20	development	development	NOUN
gujaf-373	26	21	through	through	ADP
gujaf-373	26	22	genderresponsive	genderresponsive	ADJ
gujaf-373	26	23	entrepreneurship	entrepreneurship	NOUN
gujaf-373	26	24	.	.	PUNCT
gujaf-373	27	1	by	by	ADP
gujaf-373	27	2	empirically	empirically	ADV
gujaf-373	27	3	validating	validate	VERB
gujaf-373	27	4	the	the	DET
gujaf-373	27	5	mediating	mediate	VERB
gujaf-373	27	6	role	role	NOUN
gujaf-373	27	7	of	of	ADP
gujaf-373	27	8	financial	financial	ADJ
gujaf-373	27	9	literacy	literacy	NOUN
gujaf-373	27	10	,	,	PUNCT
gujaf-373	27	11	the	the	DET
gujaf-373	27	12	study	study	NOUN
gujaf-373	27	13	advocates	advocate	VERB
gujaf-373	27	14	for	for	ADP
gujaf-373	27	15	more	more	ADV
gujaf-373	27	16	targeted	target	VERB
gujaf-373	27	17	interventions	intervention	NOUN
gujaf-373	27	18	in	in	ADP
gujaf-373	27	19	financial	financial	ADJ
gujaf-373	27	20	education	education	NOUN
gujaf-373	27	21	to	to	PART
gujaf-373	27	22	enhance	enhance	VERB
gujaf-373	27	23	the	the	DET
gujaf-373	27	24	effectiveness	effectiveness	NOUN
gujaf-373	27	25	of	of	ADP
gujaf-373	27	26	microfinance	microfinance	NOUN
gujaf-373	27	27	programmes	programme	NOUN
gujaf-373	27	28	.	.	PUNCT
gujaf-373	28	1	ultimately	ultimately	ADV
gujaf-373	28	2	,	,	PUNCT
gujaf-373	28	3	this	this	DET
gujaf-373	28	4	research	research	NOUN
gujaf-373	28	5	aligns	align	VERB
gujaf-373	28	6	with	with	ADP
gujaf-373	28	7	broader	broad	ADJ
gujaf-373	28	8	sustainable	sustainable	ADJ
gujaf-373	28	9	development	development	NOUN
gujaf-373	28	10	goals	goal	NOUN
gujaf-373	28	11	,	,	PUNCT
gujaf-373	28	12	particularly	particularly	ADV
gujaf-373	28	13	those	those	PRON
gujaf-373	28	14	related	relate	VERB
gujaf-373	28	15	to	to	ADP
gujaf-373	28	16	gender	gender	NOUN
gujaf-373	28	17	equality	equality	NOUN
gujaf-373	28	18	,	,	PUNCT
gujaf-373	28	19	financial	financial	ADJ
gujaf-373	28	20	inclusion	inclusion	NOUN
gujaf-373	28	21	,	,	PUNCT
gujaf-373	28	22	and	and	CCONJ
gujaf-373	28	23	decent	decent	ADJ
gujaf-373	28	24	work	work	NOUN
gujaf-373	28	25	for	for	ADP
gujaf-373	28	26	all	all	PRON
gujaf-373	28	27	(	(	PUNCT
gujaf-373	28	28	united	united	PROPN
gujaf-373	28	29	nations	nation	NOUN
gujaf-373	28	30	,	,	PUNCT
gujaf-373	28	31	2020	2020	NUM
gujaf-373	28	32	)	)	PUNCT
gujaf-373	28	33	.	.	PUNCT
gujaf-373	29	1	2.0	2.0	NUM
gujaf-373	29	2	.	.	PUNCT
gujaf-373	30	1	empirical	empirical	ADJ
gujaf-373	30	2	review	review	NOUN
gujaf-373	30	3	and	and	CCONJ
gujaf-373	30	4	hypotheses	hypothese	VERB
gujaf-373	30	5	the	the	DET
gujaf-373	30	6	empirical	empirical	ADJ
gujaf-373	30	7	literature	literature	NOUN
gujaf-373	30	8	consistently	consistently	ADV
gujaf-373	30	9	underscores	underscore	VERB
gujaf-373	30	10	the	the	DET
gujaf-373	30	11	importance	importance	NOUN
gujaf-373	30	12	of	of	ADP
gujaf-373	30	13	financial	financial	ADJ
gujaf-373	30	14	literacy	literacy	NOUN
gujaf-373	30	15	as	as	ADP
gujaf-373	30	16	a	a	DET
gujaf-373	30	17	pivotal	pivotal	ADJ
gujaf-373	30	18	asset	asset	NOUN
gujaf-373	30	19	for	for	ADP
gujaf-373	30	20	women	woman	NOUN
gujaf-373	30	21	entrepreneurs	entrepreneur	NOUN
gujaf-373	30	22	.	.	PUNCT
gujaf-373	31	1	in	in	ADP
gujaf-373	31	2	nigeria	nigeria	PROPN
gujaf-373	31	3	,	,	PUNCT
gujaf-373	31	4	philip	philip	PROPN
gujaf-373	31	5	(	(	PUNCT
gujaf-373	31	6	2025	2025	NUM
gujaf-373	31	7	)	)	PUNCT
gujaf-373	31	8	identified	identify	VERB
gujaf-373	31	9	a	a	DET
gujaf-373	31	10	strong	strong	ADJ
gujaf-373	31	11	positive	positive	ADJ
gujaf-373	31	12	correlation	correlation	NOUN
gujaf-373	31	13	between	between	ADP
gujaf-373	31	14	participation	participation	NOUN
gujaf-373	31	15	in	in	ADP
gujaf-373	31	16	microfinance	microfinance	NOUN
gujaf-373	31	17	-	-	PUNCT
gujaf-373	31	18	led	lead	VERB
gujaf-373	31	19	financial	financial	ADJ
gujaf-373	31	20	literacy	literacy	NOUN
gujaf-373	31	21	programs	program	NOUN
gujaf-373	31	22	and	and	CCONJ
gujaf-373	31	23	sustainable	sustainable	ADJ
gujaf-373	31	24	business	business	NOUN
gujaf-373	31	25	performance	performance	NOUN
gujaf-373	31	26	among	among	ADP
gujaf-373	31	27	women	woman	NOUN
gujaf-373	31	28	-	-	PUNCT
gujaf-373	31	29	owned	own	VERB
gujaf-373	31	30	smes	sme	NOUN
gujaf-373	31	31	.	.	PUNCT
gujaf-373	32	1	baiyegunhi	baiyegunhi	PROPN
gujaf-373	32	2	(	(	PUNCT
gujaf-373	32	3	2021	2021	NUM
gujaf-373	32	4	)	)	PUNCT
gujaf-373	32	5	demonstrated	demonstrate	VERB
gujaf-373	32	6	that	that	SCONJ
gujaf-373	32	7	rural	rural	ADJ
gujaf-373	32	8	nigerian	nigerian	ADJ
gujaf-373	32	9	women	woman	NOUN
gujaf-373	32	10	with	with	ADP
gujaf-373	32	11	enhanced	enhanced	ADJ
gujaf-373	32	12	financial	financial	ADJ
gujaf-373	32	13	knowledge	knowledge	NOUN
gujaf-373	32	14	showed	show	VERB
gujaf-373	32	15	higher	high	ADJ
gujaf-373	32	16	rates	rate	NOUN
gujaf-373	32	17	of	of	ADP
gujaf-373	32	18	record	record	NOUN
gujaf-373	32	19	-	-	PUNCT
gujaf-373	32	20	keeping	keeping	NOUN
gujaf-373	32	21	,	,	PUNCT
gujaf-373	32	22	profitability	profitability	NOUN
gujaf-373	32	23	,	,	PUNCT
gujaf-373	32	24	and	and	CCONJ
gujaf-373	32	25	resilience	resilience	NOUN
gujaf-373	32	26	,	,	PUNCT
gujaf-373	32	27	reinforcing	reinforce	VERB
gujaf-373	32	28	human	human	ADJ
gujaf-373	32	29	capital	capital	NOUN
gujaf-373	32	30	theory	theory	NOUN
gujaf-373	32	31	perspectives	perspective	NOUN
gujaf-373	32	32	.	.	PUNCT
gujaf-373	33	1	gusau	gusau	PROPN
gujaf-373	33	2	journal	journal	PROPN
gujaf-373	33	3	of	of	ADP
gujaf-373	33	4	accounting	accounting	NOUN
gujaf-373	33	5	and	and	CCONJ
gujaf-373	33	6	finance	finance	NOUN
gujaf-373	33	7	,	,	PUNCT
gujaf-373	33	8	vol.6	vol.6	PROPN
gujaf-373	33	9	,	,	PUNCT
gujaf-373	33	10	issue	issue	NOUN
gujaf-373	33	11	1	1	NUM
gujaf-373	33	12	,	,	PUNCT
gujaf-373	33	13	april	april	PROPN
gujaf-373	33	14	,	,	PUNCT
gujaf-373	33	15	2025	2025	NUM
gujaf-373	33	16	124	124	NUM
gujaf-373	33	17	beyond	beyond	ADP
gujaf-373	33	18	nigeria	nigeria	PRON
gujaf-373	33	19	,	,	PUNCT
gujaf-373	33	20	studies	study	NOUN
gujaf-373	33	21	in	in	ADP
gujaf-373	33	22	ghana	ghana	PROPN
gujaf-373	33	23	(	(	PUNCT
gujaf-373	33	24	ahiase	ahiase	PROPN
gujaf-373	33	25	et	et	PROPN
gujaf-373	33	26	al	al	PROPN
gujaf-373	33	27	.	.	PROPN
gujaf-373	33	28	,	,	PUNCT
gujaf-373	33	29	2023	2023	NUM
gujaf-373	33	30	)	)	PUNCT
gujaf-373	33	31	,	,	PUNCT
gujaf-373	33	32	cameroon	cameroon	PROPN
gujaf-373	33	33	(	(	PUNCT
gujaf-373	33	34	amrina	amrina	PROPN
gujaf-373	33	35	&	&	CCONJ
gujaf-373	33	36	yusof	yusof	PROPN
gujaf-373	33	37	,	,	PUNCT
gujaf-373	33	38	2022	2022	NUM
gujaf-373	33	39	)	)	PUNCT
gujaf-373	33	40	,	,	PUNCT
gujaf-373	33	41	and	and	CCONJ
gujaf-373	33	42	malawi	malawi	PROPN
gujaf-373	33	43	(	(	PUNCT
gujaf-373	33	44	malanga	malanga	PROPN
gujaf-373	33	45	&	&	CCONJ
gujaf-373	33	46	banda	banda	NOUN
gujaf-373	33	47	,	,	PUNCT
gujaf-373	33	48	2021	2021	NUM
gujaf-373	33	49	)	)	PUNCT
gujaf-373	33	50	expand	expand	VERB
gujaf-373	33	51	on	on	ADP
gujaf-373	33	52	this	this	DET
gujaf-373	33	53	theme	theme	NOUN
gujaf-373	33	54	,	,	PUNCT
gujaf-373	33	55	revealing	reveal	VERB
gujaf-373	33	56	greater	great	ADJ
gujaf-373	33	57	adoption	adoption	NOUN
gujaf-373	33	58	of	of	ADP
gujaf-373	33	59	financial	financial	ADJ
gujaf-373	33	60	tools	tool	NOUN
gujaf-373	33	61	,	,	PUNCT
gujaf-373	33	62	digital	digital	ADJ
gujaf-373	33	63	platforms	platform	NOUN
gujaf-373	33	64	,	,	PUNCT
gujaf-373	33	65	and	and	CCONJ
gujaf-373	33	66	formal	formal	ADJ
gujaf-373	33	67	credit	credit	NOUN
gujaf-373	33	68	mechanisms	mechanism	NOUN
gujaf-373	33	69	among	among	ADP
gujaf-373	33	70	women	woman	NOUN
gujaf-373	33	71	with	with	ADP
gujaf-373	33	72	better	well	ADJ
gujaf-373	33	73	financial	financial	ADJ
gujaf-373	33	74	capabilities	capability	NOUN
gujaf-373	33	75	.	.	PUNCT
gujaf-373	34	1	these	these	DET
gujaf-373	34	2	findings	finding	NOUN
gujaf-373	34	3	highlight	highlight	VERB
gujaf-373	34	4	a	a	DET
gujaf-373	34	5	cross	cross	ADJ
gujaf-373	34	6	-	-	ADJ
gujaf-373	34	7	contextual	contextual	ADJ
gujaf-373	34	8	consistency	consistency	NOUN
gujaf-373	34	9	:	:	PUNCT
gujaf-373	34	10	financial	financial	ADJ
gujaf-373	34	11	literacy	literacy	NOUN
gujaf-373	34	12	empowers	empower	VERB
gujaf-373	34	13	female	female	ADJ
gujaf-373	34	14	entrepreneurs	entrepreneur	NOUN
gujaf-373	34	15	to	to	PART
gujaf-373	34	16	use	use	VERB
gujaf-373	34	17	capital	capital	NOUN
gujaf-373	34	18	more	more	ADV
gujaf-373	34	19	strategically	strategically	ADV
gujaf-373	34	20	,	,	PUNCT
gujaf-373	34	21	reduce	reduce	VERB
gujaf-373	34	22	dependency	dependency	NOUN
gujaf-373	34	23	on	on	ADP
gujaf-373	34	24	informal	informal	ADJ
gujaf-373	34	25	borrowing	borrowing	NOUN
gujaf-373	34	26	,	,	PUNCT
gujaf-373	34	27	and	and	CCONJ
gujaf-373	34	28	improve	improve	VERB
gujaf-373	34	29	firm	firm	ADJ
gujaf-373	34	30	performance	performance	NOUN
gujaf-373	34	31	.	.	PUNCT
gujaf-373	35	1	meanwhile	meanwhile	ADV
gujaf-373	35	2	,	,	PUNCT
gujaf-373	35	3	research	research	NOUN
gujaf-373	35	4	on	on	ADP
gujaf-373	35	5	microfinance	microfinance	NOUN
gujaf-373	35	6	interventions	intervention	NOUN
gujaf-373	35	7	suggests	suggest	VERB
gujaf-373	35	8	that	that	SCONJ
gujaf-373	35	9	access	access	NOUN
gujaf-373	35	10	to	to	ADP
gujaf-373	35	11	credit	credit	NOUN
gujaf-373	35	12	and	and	CCONJ
gujaf-373	35	13	savings	saving	NOUN
gujaf-373	35	14	products	product	NOUN
gujaf-373	35	15	reliably	reliably	ADV
gujaf-373	35	16	enhances	enhance	VERB
gujaf-373	35	17	women	woman	NOUN
gujaf-373	35	18	’s	’s	PART
gujaf-373	35	19	business	business	NOUN
gujaf-373	35	20	growth	growth	NOUN
gujaf-373	35	21	,	,	PUNCT
gujaf-373	35	22	earnings	earning	NOUN
gujaf-373	35	23	,	,	PUNCT
gujaf-373	35	24	and	and	CCONJ
gujaf-373	35	25	empowerment	empowerment	NOUN
gujaf-373	35	26	but	but	CCONJ
gujaf-373	35	27	often	often	ADV
gujaf-373	35	28	only	only	ADV
gujaf-373	35	29	when	when	SCONJ
gujaf-373	35	30	paired	pair	VERB
gujaf-373	35	31	with	with	ADP
gujaf-373	35	32	financial	financial	ADJ
gujaf-373	35	33	training	training	NOUN
gujaf-373	35	34	.	.	PUNCT
gujaf-373	36	1	for	for	ADP
gujaf-373	36	2	instance	instance	NOUN
gujaf-373	36	3	,	,	PUNCT
gujaf-373	36	4	studies	study	NOUN
gujaf-373	36	5	in	in	ADP
gujaf-373	36	6	benue	benue	NOUN
gujaf-373	36	7	state	state	NOUN
gujaf-373	36	8	(	(	PUNCT
gujaf-373	36	9	fabian	fabian	PROPN
gujaf-373	36	10	&	&	CCONJ
gujaf-373	36	11	ibrahim	ibrahim	PROPN
gujaf-373	36	12	,	,	PUNCT
gujaf-373	36	13	2022	2022	NUM
gujaf-373	36	14	)	)	PUNCT
gujaf-373	36	15	found	find	VERB
gujaf-373	36	16	that	that	SCONJ
gujaf-373	36	17	soft	soft	ADJ
gujaf-373	36	18	loans	loan	NOUN
gujaf-373	36	19	and	and	CCONJ
gujaf-373	36	20	structured	structured	ADJ
gujaf-373	36	21	repayment	repayment	NOUN
gujaf-373	36	22	terms	term	NOUN
gujaf-373	36	23	boosted	boost	VERB
gujaf-373	36	24	sme	sme	ADJ
gujaf-373	36	25	outcomes	outcome	NOUN
gujaf-373	36	26	,	,	PUNCT
gujaf-373	36	27	while	while	SCONJ
gujaf-373	36	28	lagos	lagos	NOUN
gujaf-373	36	29	-	-	PUNCT
gujaf-373	36	30	based	base	VERB
gujaf-373	36	31	research	research	NOUN
gujaf-373	36	32	showed	show	VERB
gujaf-373	36	33	that	that	SCONJ
gujaf-373	36	34	micro	micro	ADJ
gujaf-373	36	35	-	-	ADJ
gujaf-373	36	36	savings	saving	NOUN
gujaf-373	36	37	services	service	NOUN
gujaf-373	36	38	improved	improve	VERB
gujaf-373	36	39	resilience	resilience	NOUN
gujaf-373	36	40	and	and	CCONJ
gujaf-373	36	41	sustainability	sustainability	NOUN
gujaf-373	36	42	among	among	ADP
gujaf-373	36	43	women	woman	NOUN
gujaf-373	36	44	-	-	PUNCT
gujaf-373	36	45	led	lead	VERB
gujaf-373	36	46	start	start	NOUN
gujaf-373	36	47	-	-	PUNCT
gujaf-373	36	48	ups	up	NOUN
gujaf-373	36	49	.	.	PUNCT
gujaf-373	37	1	several	several	ADJ
gujaf-373	37	2	studies	study	NOUN
gujaf-373	37	3	from	from	ADP
gujaf-373	37	4	sub	sub	ADJ
gujaf-373	37	5	-	-	ADJ
gujaf-373	37	6	saharan	saharan	ADJ
gujaf-373	37	7	africa	africa	PROPN
gujaf-373	37	8	confirm	confirm	VERB
gujaf-373	37	9	these	these	DET
gujaf-373	37	10	complementary	complementary	ADJ
gujaf-373	37	11	effects	effect	NOUN
gujaf-373	37	12	.	.	PUNCT
gujaf-373	38	1	in	in	ADP
gujaf-373	38	2	rural	rural	ADJ
gujaf-373	38	3	ethiopia	ethiopia	PROPN
gujaf-373	38	4	,	,	PUNCT
gujaf-373	38	5	economic	economic	ADJ
gujaf-373	38	6	empowerment	empowerment	NOUN
gujaf-373	38	7	through	through	ADP
gujaf-373	38	8	microfinance	microfinance	NOUN
gujaf-373	38	9	was	be	AUX
gujaf-373	38	10	significantly	significantly	ADV
gujaf-373	38	11	mediated	mediate	VERB
gujaf-373	38	12	by	by	ADP
gujaf-373	38	13	financial	financial	ADJ
gujaf-373	38	14	education	education	NOUN
gujaf-373	38	15	,	,	PUNCT
gujaf-373	38	16	resulting	result	VERB
gujaf-373	38	17	in	in	ADP
gujaf-373	38	18	sustained	sustained	ADJ
gujaf-373	38	19	income	income	NOUN
gujaf-373	38	20	growth	growth	NOUN
gujaf-373	38	21	and	and	CCONJ
gujaf-373	38	22	self	self	NOUN
gujaf-373	38	23	-	-	PUNCT
gujaf-373	38	24	esteem	esteem	NOUN
gujaf-373	38	25	among	among	ADP
gujaf-373	38	26	women	woman	NOUN
gujaf-373	38	27	leaders	leader	NOUN
gujaf-373	38	28	(	(	PUNCT
gujaf-373	38	29	abdissa	abdissa	PROPN
gujaf-373	38	30	&	&	CCONJ
gujaf-373	38	31	debebe	debebe	VERB
gujaf-373	38	32	,	,	PUNCT
gujaf-373	38	33	2022	2022	NUM
gujaf-373	38	34	;	;	PUNCT
gujaf-373	38	35	tesfaye	tesfaye	NOUN
gujaf-373	38	36	,	,	PUNCT
gujaf-373	38	37	2021	2021	NUM
gujaf-373	38	38	)	)	PUNCT
gujaf-373	38	39	.	.	PUNCT
gujaf-373	39	1	conversely	conversely	ADV
gujaf-373	39	2	,	,	PUNCT
gujaf-373	39	3	negative	negative	ADJ
gujaf-373	39	4	outcomes	outcome	NOUN
gujaf-373	39	5	such	such	ADJ
gujaf-373	39	6	as	as	ADP
gujaf-373	39	7	stress	stress	NOUN
gujaf-373	39	8	and	and	CCONJ
gujaf-373	39	9	overindebtedness	overindebtedness	NOUN
gujaf-373	39	10	were	be	AUX
gujaf-373	39	11	associated	associate	VERB
gujaf-373	39	12	with	with	ADP
gujaf-373	39	13	insufficient	insufficient	ADJ
gujaf-373	39	14	financial	financial	ADJ
gujaf-373	39	15	skills	skill	NOUN
gujaf-373	39	16	,	,	PUNCT
gujaf-373	39	17	suggesting	suggest	VERB
gujaf-373	39	18	that	that	SCONJ
gujaf-373	39	19	microfinance	microfinance	NOUN
gujaf-373	39	20	alone	alone	ADV
gujaf-373	39	21	may	may	AUX
gujaf-373	39	22	sometimes	sometimes	ADV
gujaf-373	39	23	exacerbate	exacerbate	VERB
gujaf-373	39	24	financial	financial	ADJ
gujaf-373	39	25	vulnerability	vulnerability	NOUN
gujaf-373	39	26	when	when	SCONJ
gujaf-373	39	27	literacy	literacy	NOUN
gujaf-373	39	28	levels	level	NOUN
gujaf-373	39	29	are	be	AUX
gujaf-373	39	30	low	low	ADJ
gujaf-373	39	31	(	(	PUNCT
gujaf-373	39	32	choudhary	choudhary	PROPN
gujaf-373	39	33	&	&	CCONJ
gujaf-373	39	34	jain	jain	PROPN
gujaf-373	39	35	,	,	PUNCT
gujaf-373	39	36	2023	2023	NUM
gujaf-373	39	37	;	;	PUNCT
gujaf-373	39	38	mahat	mahat	PROPN
gujaf-373	39	39	&	&	CCONJ
gujaf-373	39	40	prajapati	prajapati	PROPN
gujaf-373	39	41	,	,	PUNCT
gujaf-373	39	42	2022	2022	NUM
gujaf-373	39	43	)	)	PUNCT
gujaf-373	39	44	.	.	PUNCT
gujaf-373	40	1	meta	meta	ADJ
gujaf-373	40	2	-	-	PUNCT
gujaf-373	40	3	analyses	analysis	NOUN
gujaf-373	40	4	and	and	CCONJ
gujaf-373	40	5	literature	literature	NOUN
gujaf-373	40	6	reviews	review	NOUN
gujaf-373	40	7	further	far	ADV
gujaf-373	40	8	support	support	VERB
gujaf-373	40	9	these	these	DET
gujaf-373	40	10	empirical	empirical	ADJ
gujaf-373	40	11	patterns	pattern	NOUN
gujaf-373	40	12	.	.	PUNCT
gujaf-373	41	1	a	a	DET
gujaf-373	41	2	comprehensive	comprehensive	ADJ
gujaf-373	41	3	review	review	NOUN
gujaf-373	41	4	across	across	ADP
gujaf-373	41	5	africa	africa	PROPN
gujaf-373	41	6	concluded	conclude	VERB
gujaf-373	41	7	that	that	SCONJ
gujaf-373	41	8	microfinance	microfinance	NOUN
gujaf-373	41	9	and	and	CCONJ
gujaf-373	41	10	financial	financial	ADJ
gujaf-373	41	11	education	education	NOUN
gujaf-373	41	12	together	together	ADV
gujaf-373	41	13	yield	yield	VERB
gujaf-373	41	14	more	more	ADV
gujaf-373	41	15	robust	robust	ADJ
gujaf-373	41	16	entrepreneurial	entrepreneurial	ADJ
gujaf-373	41	17	outcomes	outcome	NOUN
gujaf-373	41	18	than	than	ADP
gujaf-373	41	19	capital	capital	NOUN
gujaf-373	41	20	provision	provision	NOUN
gujaf-373	41	21	alone	alone	ADV
gujaf-373	41	22	.	.	PUNCT
gujaf-373	42	1	in	in	ADP
gujaf-373	42	2	south	south	PROPN
gujaf-373	42	3	africa	africa	PROPN
gujaf-373	42	4	,	,	PUNCT
gujaf-373	42	5	karlan	karlan	PROPN
gujaf-373	42	6	et	et	PROPN
gujaf-373	42	7	al	al	PROPN
gujaf-373	42	8	.	.	PUNCT
gujaf-373	43	1	(	(	PUNCT
gujaf-373	43	2	2016	2016	NUM
gujaf-373	43	3	)	)	PUNCT
gujaf-373	43	4	found	find	VERB
gujaf-373	43	5	that	that	SCONJ
gujaf-373	43	6	financial	financial	ADJ
gujaf-373	43	7	literacy	literacy	NOUN
gujaf-373	43	8	training	training	NOUN
gujaf-373	43	9	significantly	significantly	ADV
gujaf-373	43	10	improved	improve	VERB
gujaf-373	43	11	business	business	NOUN
gujaf-373	43	12	decision	decision	NOUN
gujaf-373	43	13	-	-	PUNCT
gujaf-373	43	14	making	make	VERB
gujaf-373	43	15	and	and	CCONJ
gujaf-373	43	16	enterprise	enterprise	NOUN
gujaf-373	43	17	growth	growth	NOUN
gujaf-373	43	18	among	among	ADP
gujaf-373	43	19	marginalized	marginalized	ADJ
gujaf-373	43	20	women	woman	NOUN
gujaf-373	43	21	a	a	DET
gujaf-373	43	22	key	key	ADJ
gujaf-373	43	23	insight	insight	NOUN
gujaf-373	43	24	for	for	ADP
gujaf-373	43	25	sme	sme	NOUN
gujaf-373	43	26	development	development	NOUN
gujaf-373	43	27	strategies	strategy	NOUN
gujaf-373	43	28	.	.	PUNCT
gujaf-373	44	1	methodologically	methodologically	ADV
gujaf-373	44	2	,	,	PUNCT
gujaf-373	44	3	most	most	ADJ
gujaf-373	44	4	studies	study	NOUN
gujaf-373	44	5	employ	employ	VERB
gujaf-373	44	6	quantitative	quantitative	ADJ
gujaf-373	44	7	regression	regression	NOUN
gujaf-373	44	8	and	and	CCONJ
gujaf-373	44	9	mediation	mediation	NOUN
gujaf-373	44	10	analysis	analysis	NOUN
gujaf-373	44	11	,	,	PUNCT
gujaf-373	44	12	with	with	ADP
gujaf-373	44	13	credible	credible	ADJ
gujaf-373	44	14	use	use	NOUN
gujaf-373	44	15	of	of	ADP
gujaf-373	44	16	bootstrapping	bootstrappe	VERB
gujaf-373	44	17	and	and	CCONJ
gujaf-373	44	18	sem	sem	NOUN
gujaf-373	44	19	methods	method	NOUN
gujaf-373	44	20	to	to	PART
gujaf-373	44	21	test	test	VERB
gujaf-373	44	22	indirect	indirect	ADJ
gujaf-373	44	23	effects	effect	NOUN
gujaf-373	44	24	(	(	PUNCT
gujaf-373	44	25	amoako	amoako	PROPN
gujaf-373	44	26	et	et	PROPN
gujaf-373	44	27	al	al	PROPN
gujaf-373	44	28	.	.	PROPN
gujaf-373	44	29	,	,	PUNCT
gujaf-373	44	30	2022	2022	NUM
gujaf-373	44	31	;	;	PUNCT
gujaf-373	44	32	oseifuah	oseifuah	PROPN
gujaf-373	44	33	&	&	CCONJ
gujaf-373	44	34	gyekye	gyekye	PROPN
gujaf-373	44	35	,	,	PUNCT
gujaf-373	44	36	2022	2022	NUM
gujaf-373	44	37	)	)	PUNCT
gujaf-373	44	38	.	.	PUNCT
gujaf-373	45	1	qualitative	qualitative	ADJ
gujaf-373	45	2	studies	study	NOUN
gujaf-373	45	3	further	far	ADV
gujaf-373	45	4	elucidate	elucidate	VERB
gujaf-373	45	5	lived	live	VERB
gujaf-373	45	6	experiences	experience	NOUN
gujaf-373	45	7	,	,	PUNCT
gujaf-373	45	8	identifying	identify	VERB
gujaf-373	45	9	financial	financial	ADJ
gujaf-373	45	10	knowledge	knowledge	NOUN
gujaf-373	45	11	as	as	ADP
gujaf-373	45	12	a	a	DET
gujaf-373	45	13	critical	critical	ADJ
gujaf-373	45	14	boundary	boundary	NOUN
gujaf-373	45	15	between	between	ADP
gujaf-373	45	16	credit	credit	NOUN
gujaf-373	45	17	uptake	uptake	NOUN
gujaf-373	45	18	and	and	CCONJ
gujaf-373	45	19	sustainable	sustainable	ADJ
gujaf-373	45	20	outcomes	outcome	NOUN
gujaf-373	45	21	in	in	ADP
gujaf-373	45	22	nigerian	nigerian	ADJ
gujaf-373	45	23	women	woman	NOUN
gujaf-373	45	24	-	-	PUNCT
gujaf-373	45	25	led	lead	VERB
gujaf-373	45	26	smes	sme	NOUN
gujaf-373	45	27	(	(	PUNCT
gujaf-373	45	28	nwokolo	nwokolo	ADV
gujaf-373	45	29	et	et	PROPN
gujaf-373	45	30	al	al	PROPN
gujaf-373	45	31	.	.	PROPN
gujaf-373	45	32	,	,	PUNCT
gujaf-373	45	33	2021	2021	NUM
gujaf-373	45	34	)	)	PUNCT
gujaf-373	45	35	.	.	PUNCT
gujaf-373	46	1	overall	overall	ADV
gujaf-373	46	2	,	,	PUNCT
gujaf-373	46	3	the	the	DET
gujaf-373	46	4	empirical	empirical	ADJ
gujaf-373	46	5	literature	literature	NOUN
gujaf-373	46	6	establishes	establish	VERB
gujaf-373	46	7	a	a	DET
gujaf-373	46	8	consistent	consistent	ADJ
gujaf-373	46	9	narrative	narrative	NOUN
gujaf-373	46	10	:	:	PUNCT
gujaf-373	46	11	while	while	SCONJ
gujaf-373	46	12	microfinance	microfinance	NOUN
gujaf-373	46	13	enhances	enhance	VERB
gujaf-373	46	14	financial	financial	ADJ
gujaf-373	46	15	inclusion	inclusion	NOUN
gujaf-373	46	16	and	and	CCONJ
gujaf-373	46	17	short	short	ADJ
gujaf-373	46	18	-	-	PUNCT
gujaf-373	46	19	term	term	NOUN
gujaf-373	46	20	enterprise	enterprise	NOUN
gujaf-373	46	21	growth	growth	NOUN
gujaf-373	46	22	,	,	PUNCT
gujaf-373	46	23	financial	financial	ADJ
gujaf-373	46	24	literacy	literacy	NOUN
gujaf-373	46	25	is	be	AUX
gujaf-373	46	26	the	the	DET
gujaf-373	46	27	essential	essential	ADJ
gujaf-373	46	28	mediator	mediator	NOUN
gujaf-373	46	29	converting	convert	VERB
gujaf-373	46	30	capital	capital	NOUN
gujaf-373	46	31	access	access	NOUN
gujaf-373	46	32	into	into	ADP
gujaf-373	46	33	sustainable	sustainable	ADJ
gujaf-373	46	34	success	success	NOUN
gujaf-373	46	35	enhancing	enhance	VERB
gujaf-373	46	36	profitability	profitability	NOUN
gujaf-373	46	37	,	,	PUNCT
gujaf-373	46	38	loan	loan	NOUN
gujaf-373	46	39	repayment	repayment	NOUN
gujaf-373	46	40	,	,	PUNCT
gujaf-373	46	41	resilience	resilience	NOUN
gujaf-373	46	42	,	,	PUNCT
gujaf-373	46	43	and	and	CCONJ
gujaf-373	46	44	empowerment	empowerment	NOUN
gujaf-373	46	45	among	among	ADP
gujaf-373	46	46	women	woman	NOUN
gujaf-373	46	47	entrepreneurs	entrepreneur	NOUN
gujaf-373	46	48	in	in	ADP
gujaf-373	46	49	nigeria	nigeria	PROPN
gujaf-373	46	50	and	and	CCONJ
gujaf-373	46	51	across	across	ADP
gujaf-373	46	52	sub	sub	ADJ
gujaf-373	46	53	-	-	ADJ
gujaf-373	46	54	saharan	saharan	ADJ
gujaf-373	46	55	africa	africa	PROPN
gujaf-373	46	56	.	.	PUNCT
gujaf-373	47	1	hypotheses	hypothese	VERB
gujaf-373	47	2	development	development	NOUN
gujaf-373	47	3	h1	h1	NOUN
gujaf-373	47	4	:	:	PUNCT
gujaf-373	47	5	access	access	NOUN
gujaf-373	47	6	to	to	ADP
gujaf-373	47	7	microfinance	microfinance	NOUN
gujaf-373	47	8	has	have	VERB
gujaf-373	47	9	a	a	DET
gujaf-373	47	10	positive	positive	ADJ
gujaf-373	47	11	effect	effect	NOUN
gujaf-373	47	12	on	on	ADP
gujaf-373	47	13	the	the	DET
gujaf-373	47	14	business	business	NOUN
gujaf-373	47	15	sustainability	sustainability	NOUN
gujaf-373	47	16	of	of	ADP
gujaf-373	47	17	women	woman	NOUN
gujaf-373	47	18	-	-	PUNCT
gujaf-373	47	19	led	lead	VERB
gujaf-373	47	20	smes	sme	NOUN
gujaf-373	47	21	access	access	NOUN
gujaf-373	47	22	to	to	ADP
gujaf-373	47	23	microfinance	microfinance	NOUN
gujaf-373	47	24	plays	play	VERB
gujaf-373	47	25	a	a	DET
gujaf-373	47	26	pivotal	pivotal	ADJ
gujaf-373	47	27	role	role	NOUN
gujaf-373	47	28	in	in	ADP
gujaf-373	47	29	empowering	empower	VERB
gujaf-373	47	30	women	woman	NOUN
gujaf-373	47	31	entrepreneurs	entrepreneur	NOUN
gujaf-373	47	32	by	by	ADP
gujaf-373	47	33	reducing	reduce	VERB
gujaf-373	47	34	financial	financial	ADJ
gujaf-373	47	35	exclusion	exclusion	NOUN
gujaf-373	47	36	and	and	CCONJ
gujaf-373	47	37	enabling	enable	VERB
gujaf-373	47	38	business	business	NOUN
gujaf-373	47	39	growth	growth	NOUN
gujaf-373	47	40	in	in	ADP
gujaf-373	47	41	underserved	underserved	ADJ
gujaf-373	47	42	populations	population	NOUN
gujaf-373	47	43	.	.	PUNCT
gujaf-373	48	1	several	several	ADJ
gujaf-373	48	2	studies	study	NOUN
gujaf-373	48	3	have	have	AUX
gujaf-373	48	4	highlighted	highlight	VERB
gujaf-373	48	5	that	that	DET
gujaf-373	48	6	access	access	NOUN
gujaf-373	48	7	to	to	ADP
gujaf-373	48	8	credit	credit	NOUN
gujaf-373	48	9	,	,	PUNCT
gujaf-373	48	10	savings	saving	NOUN
gujaf-373	48	11	,	,	PUNCT
gujaf-373	48	12	and	and	CCONJ
gujaf-373	48	13	other	other	ADJ
gujaf-373	48	14	financial	financial	ADJ
gujaf-373	48	15	services	service	NOUN
gujaf-373	48	16	significantly	significantly	ADV
gujaf-373	48	17	enhances	enhance	VERB
gujaf-373	48	18	the	the	DET
gujaf-373	48	19	operational	operational	ADJ
gujaf-373	48	20	capacity	capacity	NOUN
gujaf-373	48	21	and	and	CCONJ
gujaf-373	48	22	longevity	longevity	NOUN
gujaf-373	48	23	of	of	ADP
gujaf-373	48	24	small	small	ADJ
gujaf-373	48	25	businesses	business	NOUN
gujaf-373	48	26	,	,	PUNCT
gujaf-373	48	27	especially	especially	ADV
gujaf-373	48	28	in	in	ADP
gujaf-373	48	29	developing	develop	VERB
gujaf-373	48	30	economies	economy	NOUN
gujaf-373	48	31	(	(	PUNCT
gujaf-373	48	32	chikalipah	chikalipah	NOUN
gujaf-373	48	33	,	,	PUNCT
gujaf-373	48	34	2021	2021	NUM
gujaf-373	48	35	;	;	PUNCT
gujaf-373	48	36	olomola	olomola	PROPN
gujaf-373	48	37	,	,	PUNCT
gujaf-373	48	38	2020	2020	NUM
gujaf-373	48	39	)	)	PUNCT
gujaf-373	48	40	.	.	PUNCT
gujaf-373	49	1	for	for	ADP
gujaf-373	49	2	women	woman	NOUN
gujaf-373	49	3	-	-	PUNCT
gujaf-373	49	4	led	lead	VERB
gujaf-373	49	5	smes	sme	NOUN
gujaf-373	49	6	in	in	ADP
gujaf-373	49	7	nigeria	nigeria	PROPN
gujaf-373	49	8	,	,	PUNCT
gujaf-373	49	9	microfinance	microfinance	NOUN
gujaf-373	49	10	institutions	institution	NOUN
gujaf-373	49	11	(	(	PUNCT
gujaf-373	49	12	mfis	mfis	PROPN
gujaf-373	49	13	)	)	PUNCT
gujaf-373	49	14	offer	offer	VERB
gujaf-373	49	15	essential	essential	ADJ
gujaf-373	49	16	capital	capital	NOUN
gujaf-373	49	17	that	that	PRON
gujaf-373	49	18	allows	allow	VERB
gujaf-373	49	19	business	business	NOUN
gujaf-373	49	20	expansion	expansion	NOUN
gujaf-373	49	21	,	,	PUNCT
gujaf-373	49	22	inventory	inventory	NOUN
gujaf-373	49	23	replenishment	replenishment	NOUN
gujaf-373	49	24	,	,	PUNCT
gujaf-373	49	25	and	and	CCONJ
gujaf-373	49	26	employment	employment	NOUN
gujaf-373	49	27	generation	generation	NOUN
gujaf-373	49	28	,	,	PUNCT
gujaf-373	49	29	ultimately	ultimately	ADV
gujaf-373	49	30	contributing	contribute	VERB
gujaf-373	49	31	to	to	ADP
gujaf-373	49	32	business	business	NOUN
gujaf-373	49	33	sustainability	sustainability	NOUN
gujaf-373	49	34	.	.	PUNCT
gujaf-373	50	1	the	the	DET
gujaf-373	50	2	infusion	infusion	NOUN
gujaf-373	50	3	of	of	ADP
gujaf-373	50	4	gusau	gusau	ADJ
gujaf-373	50	5	journal	journal	NOUN
gujaf-373	50	6	of	of	ADP
gujaf-373	50	7	accounting	accounting	NOUN
gujaf-373	50	8	and	and	CCONJ
gujaf-373	50	9	finance	finance	NOUN
gujaf-373	50	10	,	,	PUNCT
gujaf-373	50	11	vol.6	vol.6	PROPN
gujaf-373	50	12	,	,	PUNCT
gujaf-373	50	13	issue	issue	NOUN
gujaf-373	50	14	1	1	NUM
gujaf-373	50	15	,	,	PUNCT
gujaf-373	50	16	april	april	PROPN
gujaf-373	50	17	,	,	PUNCT
gujaf-373	50	18	2025	2025	NUM
gujaf-373	50	19	125	125	NUM
gujaf-373	50	20	financial	financial	ADJ
gujaf-373	50	21	capital	capital	NOUN
gujaf-373	50	22	from	from	ADP
gujaf-373	50	23	mfis	mfis	PROPN
gujaf-373	50	24	is	be	AUX
gujaf-373	50	25	particularly	particularly	ADV
gujaf-373	50	26	vital	vital	ADJ
gujaf-373	50	27	for	for	ADP
gujaf-373	50	28	women	woman	NOUN
gujaf-373	50	29	entrepreneurs	entrepreneur	NOUN
gujaf-373	50	30	who	who	PRON
gujaf-373	50	31	often	often	ADV
gujaf-373	50	32	face	face	VERB
gujaf-373	50	33	genderbased	genderbase	VERB
gujaf-373	50	34	constraints	constraint	NOUN
gujaf-373	50	35	in	in	ADP
gujaf-373	50	36	accessing	access	VERB
gujaf-373	50	37	mainstream	mainstream	ADJ
gujaf-373	50	38	banking	banking	NOUN
gujaf-373	50	39	services	service	NOUN
gujaf-373	50	40	.	.	PUNCT
gujaf-373	51	1	in	in	ADP
gujaf-373	51	2	addition	addition	NOUN
gujaf-373	51	3	to	to	ADP
gujaf-373	51	4	financial	financial	ADJ
gujaf-373	51	5	services	service	NOUN
gujaf-373	51	6	,	,	PUNCT
gujaf-373	51	7	microfinance	microfinance	NOUN
gujaf-373	51	8	often	often	ADV
gujaf-373	51	9	includes	include	VERB
gujaf-373	51	10	non	non	ADJ
gujaf-373	51	11	-	-	ADJ
gujaf-373	51	12	financial	financial	ADJ
gujaf-373	51	13	components	component	NOUN
gujaf-373	51	14	such	such	ADJ
gujaf-373	51	15	as	as	ADP
gujaf-373	51	16	group	group	NOUN
gujaf-373	51	17	lending	lending	NOUN
gujaf-373	51	18	,	,	PUNCT
gujaf-373	51	19	financial	financial	ADJ
gujaf-373	51	20	training	training	NOUN
gujaf-373	51	21	,	,	PUNCT
gujaf-373	51	22	and	and	CCONJ
gujaf-373	51	23	peer	peer	NOUN
gujaf-373	51	24	support	support	NOUN
gujaf-373	51	25	,	,	PUNCT
gujaf-373	51	26	which	which	PRON
gujaf-373	51	27	contribute	contribute	VERB
gujaf-373	51	28	to	to	ADP
gujaf-373	51	29	a	a	DET
gujaf-373	51	30	holistic	holistic	ADJ
gujaf-373	51	31	approach	approach	NOUN
gujaf-373	51	32	to	to	ADP
gujaf-373	51	33	business	business	NOUN
gujaf-373	51	34	development	development	NOUN
gujaf-373	51	35	(	(	PUNCT
gujaf-373	51	36	kipesha	kipesha	PROPN
gujaf-373	51	37	,	,	PUNCT
gujaf-373	51	38	2022	2022	NUM
gujaf-373	51	39	)	)	PUNCT
gujaf-373	51	40	.	.	PUNCT
gujaf-373	52	1	these	these	DET
gujaf-373	52	2	supplementary	supplementary	ADJ
gujaf-373	52	3	services	service	NOUN
gujaf-373	52	4	have	have	AUX
gujaf-373	52	5	been	be	AUX
gujaf-373	52	6	shown	show	VERB
gujaf-373	52	7	to	to	PART
gujaf-373	52	8	foster	foster	VERB
gujaf-373	52	9	better	well	ADJ
gujaf-373	52	10	resource	resource	NOUN
gujaf-373	52	11	management	management	NOUN
gujaf-373	52	12	,	,	PUNCT
gujaf-373	52	13	which	which	PRON
gujaf-373	52	14	improves	improve	VERB
gujaf-373	52	15	resilience	resilience	NOUN
gujaf-373	52	16	during	during	ADP
gujaf-373	52	17	economic	economic	ADJ
gujaf-373	52	18	shocks	shock	NOUN
gujaf-373	52	19	.	.	PUNCT
gujaf-373	53	1	research	research	NOUN
gujaf-373	53	2	from	from	ADP
gujaf-373	53	3	sub	sub	ADJ
gujaf-373	53	4	-	-	ADJ
gujaf-373	53	5	saharan	saharan	ADJ
gujaf-373	53	6	africa	africa	PROPN
gujaf-373	53	7	confirms	confirm	VERB
gujaf-373	53	8	that	that	SCONJ
gujaf-373	53	9	consistent	consistent	ADJ
gujaf-373	53	10	access	access	NOUN
gujaf-373	53	11	to	to	ADP
gujaf-373	53	12	microfinance	microfinance	NOUN
gujaf-373	53	13	positively	positively	ADV
gujaf-373	53	14	correlates	correlate	VERB
gujaf-373	53	15	with	with	ADP
gujaf-373	53	16	long	long	ADJ
gujaf-373	53	17	-	-	PUNCT
gujaf-373	53	18	term	term	NOUN
gujaf-373	53	19	enterprise	enterprise	NOUN
gujaf-373	53	20	viability	viability	NOUN
gujaf-373	53	21	and	and	CCONJ
gujaf-373	53	22	survival	survival	NOUN
gujaf-373	53	23	rates	rate	NOUN
gujaf-373	53	24	(	(	PUNCT
gujaf-373	53	25	asiama	asiama	PROPN
gujaf-373	53	26	&	&	CCONJ
gujaf-373	53	27	osei	osei	PROPN
gujaf-373	53	28	,	,	PUNCT
gujaf-373	53	29	2021	2021	NUM
gujaf-373	53	30	;	;	PUNCT
gujaf-373	53	31	karimu	karimu	PROPN
gujaf-373	53	32	et	et	PROPN
gujaf-373	53	33	al	al	PROPN
gujaf-373	53	34	.	.	PROPN
gujaf-373	53	35	,	,	PUNCT
gujaf-373	53	36	2022	2022	NUM
gujaf-373	53	37	)	)	PUNCT
gujaf-373	53	38	.	.	PUNCT
gujaf-373	54	1	therefore	therefore	ADV
gujaf-373	54	2	,	,	PUNCT
gujaf-373	54	3	based	base	VERB
gujaf-373	54	4	on	on	ADP
gujaf-373	54	5	prior	prior	ADJ
gujaf-373	54	6	empirical	empirical	ADJ
gujaf-373	54	7	findings	finding	NOUN
gujaf-373	54	8	,	,	PUNCT
gujaf-373	54	9	it	it	PRON
gujaf-373	54	10	is	be	AUX
gujaf-373	54	11	hypothesized	hypothesize	VERB
gujaf-373	54	12	that	that	SCONJ
gujaf-373	54	13	access	access	NOUN
gujaf-373	54	14	to	to	ADP
gujaf-373	54	15	microfinance	microfinance	NOUN
gujaf-373	54	16	has	have	VERB
gujaf-373	54	17	a	a	DET
gujaf-373	54	18	positive	positive	ADJ
gujaf-373	54	19	effect	effect	NOUN
gujaf-373	54	20	on	on	ADP
gujaf-373	54	21	the	the	DET
gujaf-373	54	22	business	business	NOUN
gujaf-373	54	23	sustainability	sustainability	NOUN
gujaf-373	54	24	of	of	ADP
gujaf-373	54	25	women	woman	NOUN
gujaf-373	54	26	-	-	PUNCT
gujaf-373	54	27	led	lead	VERB
gujaf-373	54	28	smes	sme	NOUN
gujaf-373	54	29	.	.	PUNCT
gujaf-373	55	1	h2	h2	PROPN
gujaf-373	55	2	:	:	PUNCT
gujaf-373	55	3	financial	financial	ADJ
gujaf-373	55	4	literacy	literacy	NOUN
gujaf-373	55	5	has	have	VERB
gujaf-373	55	6	a	a	DET
gujaf-373	55	7	positive	positive	ADJ
gujaf-373	55	8	effect	effect	NOUN
gujaf-373	55	9	on	on	ADP
gujaf-373	55	10	business	business	NOUN
gujaf-373	55	11	sustainability	sustainability	NOUN
gujaf-373	55	12	among	among	ADP
gujaf-373	55	13	women	woman	NOUN
gujaf-373	55	14	-	-	PUNCT
gujaf-373	55	15	led	lead	VERB
gujaf-373	55	16	smes	sme	NOUN
gujaf-373	55	17	financial	financial	ADJ
gujaf-373	55	18	literacy	literacy	NOUN
gujaf-373	55	19	is	be	AUX
gujaf-373	55	20	increasingly	increasingly	ADV
gujaf-373	55	21	recognized	recognize	VERB
gujaf-373	55	22	as	as	ADP
gujaf-373	55	23	a	a	DET
gujaf-373	55	24	foundational	foundational	ADJ
gujaf-373	55	25	skill	skill	NOUN
gujaf-373	55	26	for	for	ADP
gujaf-373	55	27	entrepreneurial	entrepreneurial	ADJ
gujaf-373	55	28	success	success	NOUN
gujaf-373	55	29	,	,	PUNCT
gujaf-373	55	30	especially	especially	ADV
gujaf-373	55	31	among	among	ADP
gujaf-373	55	32	smes	sme	NOUN
gujaf-373	55	33	where	where	SCONJ
gujaf-373	55	34	decision	decision	NOUN
gujaf-373	55	35	-	-	PUNCT
gujaf-373	55	36	making	making	NOUN
gujaf-373	55	37	is	be	AUX
gujaf-373	55	38	often	often	ADV
gujaf-373	55	39	centralized	centralize	VERB
gujaf-373	55	40	in	in	ADP
gujaf-373	55	41	the	the	DET
gujaf-373	55	42	owner	owner	NOUN
gujaf-373	55	43	-	-	PUNCT
gujaf-373	55	44	manager	manager	NOUN
gujaf-373	55	45	.	.	PUNCT
gujaf-373	56	1	women	woman	NOUN
gujaf-373	56	2	entrepreneurs	entrepreneur	NOUN
gujaf-373	56	3	with	with	ADP
gujaf-373	56	4	high	high	ADJ
gujaf-373	56	5	financial	financial	ADJ
gujaf-373	56	6	literacy	literacy	NOUN
gujaf-373	56	7	are	be	AUX
gujaf-373	56	8	better	well	ADV
gujaf-373	56	9	equipped	equip	VERB
gujaf-373	56	10	to	to	PART
gujaf-373	56	11	manage	manage	VERB
gujaf-373	56	12	cash	cash	NOUN
gujaf-373	56	13	flow	flow	NOUN
gujaf-373	56	14	,	,	PUNCT
gujaf-373	56	15	analyze	analyze	VERB
gujaf-373	56	16	profit	profit	NOUN
gujaf-373	56	17	margins	margin	NOUN
gujaf-373	56	18	,	,	PUNCT
gujaf-373	56	19	and	and	CCONJ
gujaf-373	56	20	make	make	VERB
gujaf-373	56	21	informed	informed	ADJ
gujaf-373	56	22	investment	investment	NOUN
gujaf-373	56	23	decisions	decision	NOUN
gujaf-373	56	24	(	(	PUNCT
gujaf-373	56	25	lusardi	lusardi	PROPN
gujaf-373	56	26	&	&	CCONJ
gujaf-373	56	27	mitchell	mitchell	PROPN
gujaf-373	56	28	,	,	PUNCT
gujaf-373	56	29	2020	2020	NUM
gujaf-373	56	30	)	)	PUNCT
gujaf-373	56	31	.	.	PUNCT
gujaf-373	57	1	a	a	DET
gujaf-373	57	2	well	well	ADV
gujaf-373	57	3	-	-	PUNCT
gujaf-373	57	4	developed	develop	VERB
gujaf-373	57	5	understanding	understanding	NOUN
gujaf-373	57	6	of	of	ADP
gujaf-373	57	7	budgeting	budgeting	NOUN
gujaf-373	57	8	,	,	PUNCT
gujaf-373	57	9	interest	interest	NOUN
gujaf-373	57	10	rates	rate	NOUN
gujaf-373	57	11	,	,	PUNCT
gujaf-373	57	12	and	and	CCONJ
gujaf-373	57	13	credit	credit	NOUN
gujaf-373	57	14	terms	term	NOUN
gujaf-373	57	15	enables	enable	VERB
gujaf-373	57	16	female	female	ADJ
gujaf-373	57	17	sme	sme	NOUN
gujaf-373	57	18	owners	owner	NOUN
gujaf-373	57	19	to	to	PART
gujaf-373	57	20	navigate	navigate	VERB
gujaf-373	57	21	financial	financial	ADJ
gujaf-373	57	22	risks	risk	NOUN
gujaf-373	57	23	and	and	CCONJ
gujaf-373	57	24	respond	respond	VERB
gujaf-373	57	25	proactively	proactively	ADV
gujaf-373	57	26	to	to	ADP
gujaf-373	57	27	market	market	NOUN
gujaf-373	57	28	fluctuations	fluctuation	NOUN
gujaf-373	57	29	,	,	PUNCT
gujaf-373	57	30	which	which	PRON
gujaf-373	57	31	enhances	enhance	VERB
gujaf-373	57	32	business	business	NOUN
gujaf-373	57	33	sustainability	sustainability	NOUN
gujaf-373	57	34	.	.	PUNCT
gujaf-373	58	1	empirical	empirical	ADJ
gujaf-373	58	2	studies	study	NOUN
gujaf-373	58	3	reveal	reveal	VERB
gujaf-373	58	4	that	that	SCONJ
gujaf-373	58	5	financial	financial	ADJ
gujaf-373	58	6	literacy	literacy	NOUN
gujaf-373	58	7	significantly	significantly	ADV
gujaf-373	58	8	reduces	reduce	VERB
gujaf-373	58	9	business	business	NOUN
gujaf-373	58	10	failure	failure	NOUN
gujaf-373	58	11	rates	rate	NOUN
gujaf-373	58	12	by	by	ADP
gujaf-373	58	13	improving	improve	VERB
gujaf-373	58	14	capital	capital	NOUN
gujaf-373	58	15	structure	structure	NOUN
gujaf-373	58	16	decisions	decision	NOUN
gujaf-373	58	17	,	,	PUNCT
gujaf-373	58	18	accounting	accounting	NOUN
gujaf-373	58	19	practices	practice	NOUN
gujaf-373	58	20	,	,	PUNCT
gujaf-373	58	21	and	and	CCONJ
gujaf-373	58	22	tax	tax	NOUN
gujaf-373	58	23	compliance	compliance	NOUN
gujaf-373	58	24	(	(	PUNCT
gujaf-373	58	25	otchere	otchere	ADV
gujaf-373	58	26	et	et	PROPN
gujaf-373	58	27	al	al	PROPN
gujaf-373	58	28	.	.	PROPN
gujaf-373	58	29	,	,	PUNCT
gujaf-373	58	30	2023	2023	NUM
gujaf-373	58	31	;	;	PUNCT
gujaf-373	58	32	brixiová	brixiová	X
gujaf-373	58	33	et	et	PROPN
gujaf-373	58	34	al	al	PROPN
gujaf-373	58	35	.	.	PROPN
gujaf-373	58	36	,	,	PUNCT
gujaf-373	58	37	2020	2020	NUM
gujaf-373	58	38	)	)	PUNCT
gujaf-373	58	39	.	.	PUNCT
gujaf-373	59	1	in	in	ADP
gujaf-373	59	2	nigeria	nigeria	PROPN
gujaf-373	59	3	,	,	PUNCT
gujaf-373	59	4	women	woman	NOUN
gujaf-373	59	5	-	-	PUNCT
gujaf-373	59	6	led	lead	VERB
gujaf-373	59	7	businesses	business	NOUN
gujaf-373	59	8	often	often	ADV
gujaf-373	59	9	operate	operate	VERB
gujaf-373	59	10	in	in	ADP
gujaf-373	59	11	volatile	volatile	ADJ
gujaf-373	59	12	environments	environment	NOUN
gujaf-373	59	13	with	with	ADP
gujaf-373	59	14	limited	limited	ADJ
gujaf-373	59	15	institutional	institutional	ADJ
gujaf-373	59	16	support	support	NOUN
gujaf-373	59	17	,	,	PUNCT
gujaf-373	59	18	making	make	VERB
gujaf-373	59	19	financial	financial	ADJ
gujaf-373	59	20	literacy	literacy	NOUN
gujaf-373	59	21	a	a	DET
gujaf-373	59	22	critical	critical	ADJ
gujaf-373	59	23	determinant	determinant	NOUN
gujaf-373	59	24	of	of	ADP
gujaf-373	59	25	long	long	ADJ
gujaf-373	59	26	-	-	PUNCT
gujaf-373	59	27	term	term	NOUN
gujaf-373	59	28	viability	viability	NOUN
gujaf-373	59	29	(	(	PUNCT
gujaf-373	59	30	oseifuah	oseifuah	NOUN
gujaf-373	59	31	,	,	PUNCT
gujaf-373	59	32	2021	2021	NUM
gujaf-373	59	33	)	)	PUNCT
gujaf-373	59	34	.	.	PUNCT
gujaf-373	60	1	research	research	NOUN
gujaf-373	60	2	by	by	ADP
gujaf-373	60	3	rahman	rahman	PROPN
gujaf-373	60	4	et	et	PROPN
gujaf-373	60	5	al	al	PROPN
gujaf-373	60	6	.	.	PROPN
gujaf-373	61	1	(	(	PUNCT
gujaf-373	61	2	2023	2023	NUM
gujaf-373	61	3	)	)	PUNCT
gujaf-373	61	4	and	and	CCONJ
gujaf-373	61	5	owusu	owusu	PROPN
gujaf-373	61	6	et	et	PROPN
gujaf-373	61	7	al	al	PROPN
gujaf-373	61	8	.	.	PROPN
gujaf-373	62	1	(	(	PUNCT
gujaf-373	62	2	2022	2022	NUM
gujaf-373	62	3	)	)	PUNCT
gujaf-373	62	4	found	find	VERB
gujaf-373	62	5	that	that	SCONJ
gujaf-373	62	6	entrepreneurs	entrepreneur	NOUN
gujaf-373	62	7	with	with	ADP
gujaf-373	62	8	high	high	ADJ
gujaf-373	62	9	financial	financial	ADJ
gujaf-373	62	10	knowledge	knowledge	NOUN
gujaf-373	62	11	recorded	record	VERB
gujaf-373	62	12	higher	high	ADJ
gujaf-373	62	13	business	business	NOUN
gujaf-373	62	14	survival	survival	NOUN
gujaf-373	62	15	rates	rate	NOUN
gujaf-373	62	16	and	and	CCONJ
gujaf-373	62	17	revenue	revenue	NOUN
gujaf-373	62	18	growth	growth	NOUN
gujaf-373	62	19	over	over	ADP
gujaf-373	62	20	a	a	DET
gujaf-373	62	21	five	five	NUM
gujaf-373	62	22	-	-	PUNCT
gujaf-373	62	23	year	year	NOUN
gujaf-373	62	24	period	period	NOUN
gujaf-373	62	25	.	.	PUNCT
gujaf-373	63	1	these	these	DET
gujaf-373	63	2	findings	finding	NOUN
gujaf-373	63	3	justify	justify	VERB
gujaf-373	63	4	the	the	DET
gujaf-373	63	5	hypothesis	hypothesis	NOUN
gujaf-373	63	6	that	that	SCONJ
gujaf-373	63	7	financial	financial	ADJ
gujaf-373	63	8	literacy	literacy	NOUN
gujaf-373	63	9	positively	positively	ADV
gujaf-373	63	10	influences	influence	VERB
gujaf-373	63	11	business	business	NOUN
gujaf-373	63	12	sustainability	sustainability	NOUN
gujaf-373	63	13	among	among	ADP
gujaf-373	63	14	women	woman	NOUN
gujaf-373	63	15	-	-	PUNCT
gujaf-373	63	16	led	lead	VERB
gujaf-373	63	17	smes	sme	NOUN
gujaf-373	63	18	.	.	PUNCT
gujaf-373	64	1	h3	h3	NOUN
gujaf-373	64	2	:	:	PUNCT
gujaf-373	64	3	financial	financial	ADJ
gujaf-373	64	4	literacy	literacy	NOUN
gujaf-373	64	5	mediates	mediate	VERB
gujaf-373	64	6	the	the	DET
gujaf-373	64	7	relationship	relationship	NOUN
gujaf-373	64	8	between	between	ADP
gujaf-373	64	9	access	access	NOUN
gujaf-373	64	10	to	to	ADP
gujaf-373	64	11	microfinance	microfinance	NOUN
gujaf-373	64	12	and	and	CCONJ
gujaf-373	64	13	business	business	NOUN
gujaf-373	64	14	sustainability	sustainability	NOUN
gujaf-373	64	15	while	while	SCONJ
gujaf-373	64	16	microfinance	microfinance	NOUN
gujaf-373	64	17	provides	provide	VERB
gujaf-373	64	18	essential	essential	ADJ
gujaf-373	64	19	capital	capital	NOUN
gujaf-373	64	20	for	for	ADP
gujaf-373	64	21	business	business	NOUN
gujaf-373	64	22	operations	operation	NOUN
gujaf-373	64	23	,	,	PUNCT
gujaf-373	64	24	its	its	PRON
gujaf-373	64	25	impact	impact	NOUN
gujaf-373	64	26	on	on	ADP
gujaf-373	64	27	sustainability	sustainability	NOUN
gujaf-373	64	28	may	may	AUX
gujaf-373	64	29	be	be	AUX
gujaf-373	64	30	significantly	significantly	ADV
gujaf-373	64	31	enhanced	enhance	VERB
gujaf-373	64	32	by	by	ADP
gujaf-373	64	33	the	the	DET
gujaf-373	64	34	financial	financial	ADJ
gujaf-373	64	35	literacy	literacy	NOUN
gujaf-373	64	36	of	of	ADP
gujaf-373	64	37	entrepreneurs	entrepreneur	NOUN
gujaf-373	64	38	.	.	PUNCT
gujaf-373	65	1	entrepreneurs	entrepreneur	NOUN
gujaf-373	65	2	who	who	PRON
gujaf-373	65	3	understand	understand	VERB
gujaf-373	65	4	loan	loan	NOUN
gujaf-373	65	5	terms	term	NOUN
gujaf-373	65	6	,	,	PUNCT
gujaf-373	65	7	repayment	repayment	NOUN
gujaf-373	65	8	structures	structure	NOUN
gujaf-373	65	9	,	,	PUNCT
gujaf-373	65	10	and	and	CCONJ
gujaf-373	65	11	interest	interest	NOUN
gujaf-373	65	12	accruals	accrual	NOUN
gujaf-373	65	13	are	be	AUX
gujaf-373	65	14	more	more	ADV
gujaf-373	65	15	likely	likely	ADJ
gujaf-373	65	16	to	to	PART
gujaf-373	65	17	use	use	VERB
gujaf-373	65	18	microfinance	microfinance	NOUN
gujaf-373	65	19	funds	fund	NOUN
gujaf-373	65	20	efficiently	efficiently	ADV
gujaf-373	65	21	and	and	CCONJ
gujaf-373	65	22	avoid	avoid	VERB
gujaf-373	65	23	over	over	ADP
gujaf-373	65	24	-	-	PUNCT
gujaf-373	65	25	indebtedness	indebtedness	NOUN
gujaf-373	65	26	(	(	PUNCT
gujaf-373	65	27	bongomin	bongomin	NOUN
gujaf-373	65	28	et	et	PROPN
gujaf-373	65	29	al	al	PROPN
gujaf-373	65	30	.	.	PROPN
gujaf-373	65	31	,	,	PUNCT
gujaf-373	65	32	2020	2020	NUM
gujaf-373	65	33	;	;	PUNCT
gujaf-373	65	34	asiedu	asiedu	PROPN
gujaf-373	65	35	et	et	PROPN
gujaf-373	65	36	al	al	PROPN
gujaf-373	65	37	.	.	PROPN
gujaf-373	65	38	,	,	PUNCT
gujaf-373	65	39	2021	2021	NUM
gujaf-373	65	40	)	)	PUNCT
gujaf-373	65	41	.	.	PUNCT
gujaf-373	66	1	financial	financial	ADJ
gujaf-373	66	2	literacy	literacy	NOUN
gujaf-373	66	3	acts	act	VERB
gujaf-373	66	4	as	as	ADP
gujaf-373	66	5	a	a	DET
gujaf-373	66	6	mechanism	mechanism	NOUN
gujaf-373	66	7	that	that	PRON
gujaf-373	66	8	transforms	transform	VERB
gujaf-373	66	9	access	access	NOUN
gujaf-373	66	10	to	to	ADP
gujaf-373	66	11	microfinance	microfinance	NOUN
gujaf-373	66	12	into	into	ADP
gujaf-373	66	13	informed	informed	ADJ
gujaf-373	66	14	and	and	CCONJ
gujaf-373	66	15	strategic	strategic	ADJ
gujaf-373	66	16	financial	financial	ADJ
gujaf-373	66	17	behavior	behavior	NOUN
gujaf-373	66	18	,	,	PUNCT
gujaf-373	66	19	amplifying	amplify	VERB
gujaf-373	66	20	the	the	DET
gujaf-373	66	21	sustainability	sustainability	NOUN
gujaf-373	66	22	outcomes	outcome	NOUN
gujaf-373	66	23	of	of	ADP
gujaf-373	66	24	such	such	ADJ
gujaf-373	66	25	interventions	intervention	NOUN
gujaf-373	66	26	.	.	PUNCT
gujaf-373	67	1	therefore	therefore	ADV
gujaf-373	67	2	,	,	PUNCT
gujaf-373	67	3	financial	financial	ADJ
gujaf-373	67	4	literacy	literacy	NOUN
gujaf-373	67	5	is	be	AUX
gujaf-373	67	6	not	not	PART
gujaf-373	67	7	only	only	ADV
gujaf-373	67	8	an	an	DET
gujaf-373	67	9	independent	independent	ADJ
gujaf-373	67	10	predictor	predictor	NOUN
gujaf-373	67	11	but	but	CCONJ
gujaf-373	67	12	also	also	ADV
gujaf-373	67	13	a	a	DET
gujaf-373	67	14	potential	potential	ADJ
gujaf-373	67	15	mediator	mediator	NOUN
gujaf-373	67	16	in	in	ADP
gujaf-373	67	17	the	the	DET
gujaf-373	67	18	microfinance	microfinance	NOUN
gujaf-373	67	19	–	–	PUNCT
gujaf-373	67	20	sustainability	sustainability	NOUN
gujaf-373	67	21	nexus	nexus	NOUN
gujaf-373	67	22	.	.	PUNCT
gujaf-373	68	1	recent	recent	ADJ
gujaf-373	68	2	mediation	mediation	NOUN
gujaf-373	68	3	-	-	PUNCT
gujaf-373	68	4	based	base	VERB
gujaf-373	68	5	studies	study	NOUN
gujaf-373	68	6	in	in	ADP
gujaf-373	68	7	sub	sub	ADJ
gujaf-373	68	8	-	-	ADJ
gujaf-373	68	9	saharan	saharan	ADJ
gujaf-373	68	10	africa	africa	PROPN
gujaf-373	68	11	and	and	CCONJ
gujaf-373	68	12	south	south	PROPN
gujaf-373	68	13	asia	asia	PROPN
gujaf-373	68	14	have	have	AUX
gujaf-373	68	15	demonstrated	demonstrate	VERB
gujaf-373	68	16	that	that	SCONJ
gujaf-373	68	17	financial	financial	ADJ
gujaf-373	68	18	literacy	literacy	NOUN
gujaf-373	68	19	partially	partially	ADV
gujaf-373	68	20	or	or	CCONJ
gujaf-373	68	21	fully	fully	ADV
gujaf-373	68	22	mediates	mediate	VERB
gujaf-373	68	23	the	the	DET
gujaf-373	68	24	relationship	relationship	NOUN
gujaf-373	68	25	between	between	ADP
gujaf-373	68	26	financial	financial	ADJ
gujaf-373	68	27	inclusion	inclusion	NOUN
gujaf-373	68	28	and	and	CCONJ
gujaf-373	68	29	business	business	NOUN
gujaf-373	68	30	performance	performance	NOUN
gujaf-373	68	31	(	(	PUNCT
gujaf-373	68	32	ndung’u	ndung’u	NOUN
gujaf-373	68	33	et	et	PROPN
gujaf-373	68	34	al	al	PROPN
gujaf-373	68	35	.	.	PROPN
gujaf-373	68	36	,	,	PUNCT
gujaf-373	68	37	2022	2022	NUM
gujaf-373	68	38	;	;	PUNCT
gujaf-373	68	39	dini	dini	NOUN
gujaf-373	68	40	et	et	PROPN
gujaf-373	68	41	al	al	PROPN
gujaf-373	68	42	.	.	PROPN
gujaf-373	68	43	,	,	PUNCT
gujaf-373	68	44	2023	2023	NUM
gujaf-373	68	45	)	)	PUNCT
gujaf-373	68	46	.	.	PUNCT
gujaf-373	69	1	in	in	ADP
gujaf-373	69	2	nigeria	nigeria	PROPN
gujaf-373	69	3	,	,	PUNCT
gujaf-373	69	4	evidence	evidence	NOUN
gujaf-373	69	5	from	from	ADP
gujaf-373	69	6	women	woman	NOUN
gujaf-373	69	7	-	-	PUNCT
gujaf-373	69	8	focused	focus	VERB
gujaf-373	69	9	entrepreneurship	entrepreneurship	NOUN
gujaf-373	69	10	programs	program	NOUN
gujaf-373	69	11	shows	show	VERB
gujaf-373	69	12	that	that	SCONJ
gujaf-373	69	13	without	without	ADP
gujaf-373	69	14	adequate	adequate	ADJ
gujaf-373	69	15	financial	financial	ADJ
gujaf-373	69	16	knowledge	knowledge	NOUN
gujaf-373	69	17	,	,	PUNCT
gujaf-373	69	18	access	access	NOUN
gujaf-373	69	19	to	to	ADP
gujaf-373	69	20	credit	credit	NOUN
gujaf-373	69	21	alone	alone	ADV
gujaf-373	69	22	may	may	AUX
gujaf-373	69	23	lead	lead	VERB
gujaf-373	69	24	to	to	ADP
gujaf-373	69	25	misuse	misuse	NOUN
gujaf-373	69	26	or	or	CCONJ
gujaf-373	69	27	misallocation	misallocation	NOUN
gujaf-373	69	28	of	of	ADP
gujaf-373	69	29	resources	resource	NOUN
gujaf-373	69	30	,	,	PUNCT
gujaf-373	69	31	undermining	undermine	VERB
gujaf-373	69	32	business	business	NOUN
gujaf-373	69	33	gusau	gusau	ADJ
gujaf-373	69	34	journal	journal	NOUN
gujaf-373	69	35	of	of	ADP
gujaf-373	69	36	accounting	accounting	NOUN
gujaf-373	69	37	and	and	CCONJ
gujaf-373	69	38	finance	finance	NOUN
gujaf-373	69	39	,	,	PUNCT
gujaf-373	69	40	vol.6	vol.6	PROPN
gujaf-373	69	41	,	,	PUNCT
gujaf-373	69	42	issue	issue	NOUN
gujaf-373	69	43	1	1	NUM
gujaf-373	69	44	,	,	PUNCT
gujaf-373	69	45	april	april	PROPN
gujaf-373	69	46	,	,	PUNCT
gujaf-373	69	47	2025	2025	NUM
gujaf-373	69	48	126	126	NUM
gujaf-373	69	49	stability	stability	NOUN
gujaf-373	69	50	(	(	PUNCT
gujaf-373	69	51	adebayo	adebayo	PROPN
gujaf-373	69	52	&	&	CCONJ
gujaf-373	69	53	ayodele	ayodele	PROPN
gujaf-373	69	54	,	,	PUNCT
gujaf-373	69	55	2020	2020	NUM
gujaf-373	69	56	)	)	PUNCT
gujaf-373	69	57	.	.	PUNCT
gujaf-373	70	1	by	by	ADP
gujaf-373	70	2	integrating	integrate	VERB
gujaf-373	70	3	financial	financial	ADJ
gujaf-373	70	4	education	education	NOUN
gujaf-373	70	5	with	with	ADP
gujaf-373	70	6	microfinance	microfinance	NOUN
gujaf-373	70	7	services	service	NOUN
gujaf-373	70	8	,	,	PUNCT
gujaf-373	70	9	mfis	mfis	PROPN
gujaf-373	70	10	can	can	AUX
gujaf-373	70	11	enhance	enhance	VERB
gujaf-373	70	12	the	the	DET
gujaf-373	70	13	impact	impact	NOUN
gujaf-373	70	14	of	of	ADP
gujaf-373	70	15	their	their	PRON
gujaf-373	70	16	interventions	intervention	NOUN
gujaf-373	70	17	on	on	ADP
gujaf-373	70	18	long	long	ADJ
gujaf-373	70	19	-	-	PUNCT
gujaf-373	70	20	term	term	NOUN
gujaf-373	70	21	entrepreneurial	entrepreneurial	ADJ
gujaf-373	70	22	outcomes	outcome	NOUN
gujaf-373	70	23	.	.	PUNCT
gujaf-373	71	1	hence	hence	ADV
gujaf-373	71	2	,	,	PUNCT
gujaf-373	71	3	it	it	PRON
gujaf-373	71	4	is	be	AUX
gujaf-373	71	5	hypothesized	hypothesize	VERB
gujaf-373	71	6	that	that	SCONJ
gujaf-373	71	7	financial	financial	ADJ
gujaf-373	71	8	literacy	literacy	NOUN
gujaf-373	71	9	mediates	mediate	VERB
gujaf-373	71	10	the	the	DET
gujaf-373	71	11	relationship	relationship	NOUN
gujaf-373	71	12	between	between	ADP
gujaf-373	71	13	access	access	NOUN
gujaf-373	71	14	to	to	ADP
gujaf-373	71	15	microfinance	microfinance	NOUN
gujaf-373	71	16	and	and	CCONJ
gujaf-373	71	17	business	business	NOUN
gujaf-373	71	18	sustainability	sustainability	NOUN
gujaf-373	71	19	.	.	PUNCT
gujaf-373	72	1	3.0	3.0	NUM
gujaf-373	72	2	methodology	methodology	NOUN
gujaf-373	72	3	this	this	DET
gujaf-373	72	4	study	study	NOUN
gujaf-373	72	5	adopts	adopt	VERB
gujaf-373	72	6	a	a	DET
gujaf-373	72	7	mixed	mixed	ADJ
gujaf-373	72	8	-	-	PUNCT
gujaf-373	72	9	methods	method	NOUN
gujaf-373	72	10	design	design	NOUN
gujaf-373	72	11	combining	combine	VERB
gujaf-373	72	12	quantitative	quantitative	ADJ
gujaf-373	72	13	and	and	CCONJ
gujaf-373	72	14	qualitative	qualitative	ADJ
gujaf-373	72	15	approaches	approach	NOUN
gujaf-373	72	16	to	to	PART
gujaf-373	72	17	evaluate	evaluate	VERB
gujaf-373	72	18	the	the	DET
gujaf-373	72	19	mediating	mediate	VERB
gujaf-373	72	20	role	role	NOUN
gujaf-373	72	21	of	of	ADP
gujaf-373	72	22	financial	financial	ADJ
gujaf-373	72	23	lite	lite	NOUN
gujaf-373	72	24	racy	racy	NOUN
gujaf-373	72	25	in	in	ADP
gujaf-373	72	26	the	the	DET
gujaf-373	72	27	relationship	relationship	NOUN
gujaf-373	72	28	between	between	ADP
gujaf-373	72	29	microfinance	microfinance	NOUN
gujaf-373	72	30	access	access	NOUN
gujaf-373	72	31	and	and	CCONJ
gujaf-373	72	32	business	business	NOUN
gujaf-373	72	33	sustainability	sustainability	NOUN
gujaf-373	72	34	among	among	ADP
gujaf-373	72	35	women	woman	NOUN
gujaf-373	72	36	-	-	PUNCT
gujaf-373	72	37	led	lead	VERB
gujaf-373	72	38	smes	sme	NOUN
gujaf-373	72	39	in	in	ADP
gujaf-373	72	40	nigeria	nigeria	PROPN
gujaf-373	72	41	.	.	PUNCT
gujaf-373	73	1	for	for	ADP
gujaf-373	73	2	the	the	DET
gujaf-373	73	3	quantitative	quantitative	ADJ
gujaf-373	73	4	analysis	analysis	NOUN
gujaf-373	73	5	,	,	PUNCT
gujaf-373	73	6	primary	primary	ADJ
gujaf-373	73	7	data	datum	NOUN
gujaf-373	73	8	were	be	AUX
gujaf-373	73	9	collected	collect	VERB
gujaf-373	73	10	through	through	ADP
gujaf-373	73	11	a	a	DET
gujaf-373	73	12	structured	structured	ADJ
gujaf-373	73	13	survey	survey	NOUN
gujaf-373	73	14	administered	administer	VERB
gujaf-373	73	15	to	to	ADP
gujaf-373	73	16	600	600	NUM
gujaf-373	73	17	women	woman	NOUN
gujaf-373	73	18	entrepreneurs	entrepreneur	NOUN
gujaf-373	73	19	operating	operating	PROPN
gujaf-373	73	20	micro	micro	PROPN
gujaf-373	73	21	,	,	PUNCT
gujaf-373	73	22	small	small	ADJ
gujaf-373	73	23	,	,	PUNCT
gujaf-373	73	24	and	and	CCONJ
gujaf-373	73	25	medium	medium	ADJ
gujaf-373	73	26	-	-	PUNCT
gujaf-373	73	27	sized	sized	ADJ
gujaf-373	73	28	enterprises	enterprise	NOUN
gujaf-373	73	29	(	(	PUNCT
gujaf-373	73	30	msmes	msme	NOUN
gujaf-373	73	31	)	)	PUNCT
gujaf-373	73	32	across	across	ADP
gujaf-373	73	33	six	six	NUM
gujaf-373	73	34	geopolitical	geopolitical	ADJ
gujaf-373	73	35	zones	zone	NOUN
gujaf-373	73	36	in	in	ADP
gujaf-373	73	37	nigeria	nigeria	PROPN
gujaf-373	73	38	.	.	PUNCT
gujaf-373	74	1	stratified	stratify	VERB
gujaf-373	74	2	random	random	ADJ
gujaf-373	74	3	sampling	sampling	NOUN
gujaf-373	74	4	was	be	AUX
gujaf-373	74	5	used	use	VERB
gujaf-373	74	6	to	to	PART
gujaf-373	74	7	ensure	ensure	VERB
gujaf-373	74	8	regional	regional	ADJ
gujaf-373	74	9	and	and	CCONJ
gujaf-373	74	10	sectoral	sectoral	ADJ
gujaf-373	74	11	representation	representation	NOUN
gujaf-373	74	12	.	.	PUNCT
gujaf-373	75	1	the	the	DET
gujaf-373	75	2	survey	survey	NOUN
gujaf-373	75	3	captured	capture	VERB
gujaf-373	75	4	information	information	NOUN
gujaf-373	75	5	on	on	ADP
gujaf-373	75	6	access	access	NOUN
gujaf-373	75	7	to	to	ADP
gujaf-373	75	8	microfinance	microfinance	NOUN
gujaf-373	75	9	services	service	NOUN
gujaf-373	75	10	,	,	PUNCT
gujaf-373	75	11	financial	financial	ADJ
gujaf-373	75	12	literacy	literacy	NOUN
gujaf-373	75	13	,	,	PUNCT
gujaf-373	75	14	and	and	CCONJ
gujaf-373	75	15	indicators	indicator	NOUN
gujaf-373	75	16	of	of	ADP
gujaf-373	75	17	business	business	NOUN
gujaf-373	75	18	sustainability	sustainability	NOUN
gujaf-373	75	19	(	(	PUNCT
gujaf-373	75	20	such	such	ADJ
gujaf-373	75	21	as	as	ADP
gujaf-373	75	22	profit	profit	NOUN
gujaf-373	75	23	stability	stability	NOUN
gujaf-373	75	24	,	,	PUNCT
gujaf-373	75	25	business	business	NOUN
gujaf-373	75	26	longevity	longevity	NOUN
gujaf-373	75	27	,	,	PUNCT
gujaf-373	75	28	and	and	CCONJ
gujaf-373	75	29	market	market	NOUN
gujaf-373	75	30	expansion	expansion	NOUN
gujaf-373	75	31	)	)	PUNCT
gujaf-373	75	32	.	.	PUNCT
gujaf-373	76	1	the	the	DET
gujaf-373	76	2	survey	survey	NOUN
gujaf-373	76	3	instrument	instrument	NOUN
gujaf-373	76	4	was	be	AUX
gujaf-373	76	5	pre	pre	VERB
gujaf-373	76	6	-	-	VERB
gujaf-373	76	7	tested	test	VERB
gujaf-373	76	8	and	and	CCONJ
gujaf-373	76	9	validated	validate	VERB
gujaf-373	76	10	for	for	ADP
gujaf-373	76	11	reliability	reliability	NOUN
gujaf-373	76	12	(	(	PUNCT
gujaf-373	76	13	cronbach	cronbach	VERB
gujaf-373	76	14	's	's	PART
gujaf-373	76	15	alpha	alpha	NOUN
gujaf-373	76	16	>	>	X
gujaf-373	76	17	0.80	0.80	NUM
gujaf-373	76	18	for	for	ADP
gujaf-373	76	19	each	each	DET
gujaf-373	76	20	scale	scale	NOUN
gujaf-373	76	21	)	)	PUNCT
gujaf-373	76	22	.	.	PUNCT
gujaf-373	77	1	the	the	DET
gujaf-373	77	2	qualitative	qualitative	ADJ
gujaf-373	77	3	component	component	NOUN
gujaf-373	77	4	involved	involve	VERB
gujaf-373	77	5	30	30	NUM
gujaf-373	77	6	semi	semi	ADJ
gujaf-373	77	7	-	-	ADJ
gujaf-373	77	8	structured	structured	ADJ
gujaf-373	77	9	interviews	interview	NOUN
gujaf-373	77	10	with	with	ADP
gujaf-373	77	11	women	woman	NOUN
gujaf-373	77	12	entrepreneurs	entrepreneur	NOUN
gujaf-373	77	13	,	,	PUNCT
gujaf-373	77	14	loan	loan	NOUN
gujaf-373	77	15	officers	officer	NOUN
gujaf-373	77	16	from	from	ADP
gujaf-373	77	17	microfinance	microfinance	NOUN
gujaf-373	77	18	institutions	institution	NOUN
gujaf-373	77	19	,	,	PUNCT
gujaf-373	77	20	and	and	CCONJ
gujaf-373	77	21	policymakers	policymaker	NOUN
gujaf-373	77	22	to	to	PART
gujaf-373	77	23	deepen	deepen	VERB
gujaf-373	77	24	the	the	DET
gujaf-373	77	25	understanding	understanding	NOUN
gujaf-373	77	26	of	of	ADP
gujaf-373	77	27	how	how	SCONJ
gujaf-373	77	28	financial	financial	ADJ
gujaf-373	77	29	literacy	literacy	NOUN
gujaf-373	77	30	influences	influence	VERB
gujaf-373	77	31	microfinance	microfinance	NOUN
gujaf-373	77	32	utilization	utilization	NOUN
gujaf-373	77	33	and	and	CCONJ
gujaf-373	77	34	long	long	ADJ
gujaf-373	77	35	-	-	PUNCT
gujaf-373	77	36	term	term	NOUN
gujaf-373	77	37	enterprise	enterprise	NOUN
gujaf-373	77	38	success	success	NOUN
gujaf-373	77	39	.	.	PUNCT
gujaf-373	78	1	ethical	ethical	ADJ
gujaf-373	78	2	clearance	clearance	NOUN
gujaf-373	78	3	was	be	AUX
gujaf-373	78	4	obtained	obtain	VERB
gujaf-373	78	5	,	,	PUNCT
gujaf-373	78	6	and	and	CCONJ
gujaf-373	78	7	informed	informed	ADJ
gujaf-373	78	8	consent	consent	NOUN
gujaf-373	78	9	was	be	AUX
gujaf-373	78	10	secured	secure	VERB
gujaf-373	78	11	from	from	ADP
gujaf-373	78	12	all	all	DET
gujaf-373	78	13	participants	participant	NOUN
gujaf-373	78	14	.	.	PUNCT
gujaf-373	79	1	the	the	DET
gujaf-373	79	2	survey	survey	NOUN
gujaf-373	79	3	and	and	CCONJ
gujaf-373	79	4	interviews	interview	NOUN
gujaf-373	79	5	were	be	AUX
gujaf-373	79	6	conducted	conduct	VERB
gujaf-373	79	7	between	between	ADP
gujaf-373	79	8	march	march	PROPN
gujaf-373	79	9	and	and	CCONJ
gujaf-373	79	10	july	july	PROPN
gujaf-373	79	11	2024	2024	NUM
gujaf-373	79	12	.	.	PUNCT
gujaf-373	80	1	empirical	empirical	ADJ
gujaf-373	80	2	models	model	NOUN
gujaf-373	80	3	the	the	DET
gujaf-373	80	4	study	study	NOUN
gujaf-373	80	5	uses	use	VERB
gujaf-373	80	6	a	a	DET
gujaf-373	80	7	three	three	NUM
gujaf-373	80	8	-	-	PUNCT
gujaf-373	80	9	equation	equation	NOUN
gujaf-373	80	10	structural	structural	ADJ
gujaf-373	80	11	model	model	NOUN
gujaf-373	80	12	based	base	VERB
gujaf-373	80	13	on	on	ADP
gujaf-373	80	14	the	the	DET
gujaf-373	80	15	mediation	mediation	NOUN
gujaf-373	80	16	framework	framework	NOUN
gujaf-373	80	17	proposed	propose	VERB
gujaf-373	80	18	by	by	ADP
gujaf-373	80	19	baron	baron	NOUN
gujaf-373	80	20	and	and	CCONJ
gujaf-373	80	21	kenny	kenny	PROPN
gujaf-373	80	22	(	(	PUNCT
gujaf-373	80	23	1986	1986	NUM
gujaf-373	80	24	)	)	PUNCT
gujaf-373	80	25	and	and	CCONJ
gujaf-373	80	26	extended	extend	VERB
gujaf-373	80	27	in	in	ADP
gujaf-373	80	28	recent	recent	ADJ
gujaf-373	80	29	econometric	econometric	ADJ
gujaf-373	80	30	mediation	mediation	NOUN
gujaf-373	80	31	literature	literature	NOUN
gujaf-373	80	32	(	(	PUNCT
gujaf-373	80	33	imai	imai	PROPN
gujaf-373	80	34	et	et	PROPN
gujaf-373	80	35	al	al	PROPN
gujaf-373	80	36	.	.	PROPN
gujaf-373	80	37	,	,	PUNCT
gujaf-373	80	38	2010	2010	NUM
gujaf-373	80	39	;	;	PUNCT
gujaf-373	80	40	zhao	zhao	PROPN
gujaf-373	80	41	et	et	PROPN
gujaf-373	80	42	al	al	PROPN
gujaf-373	80	43	.	.	PROPN
gujaf-373	80	44	,	,	PUNCT
gujaf-373	80	45	2010	2010	NUM
gujaf-373	80	46	)	)	PUNCT
gujaf-373	80	47	.	.	PUNCT
gujaf-373	81	1	the	the	DET
gujaf-373	81	2	model	model	NOUN
gujaf-373	81	3	is	be	AUX
gujaf-373	81	4	specified	specify	VERB
gujaf-373	81	5	as	as	SCONJ
gujaf-373	81	6	follows	follow	VERB
gujaf-373	81	7	:	:	PUNCT
gujaf-373	81	8	first	first	ADV
gujaf-373	81	9	,	,	PUNCT
gujaf-373	81	10	the	the	DET
gujaf-373	81	11	total	total	ADJ
gujaf-373	81	12	effect	effect	NOUN
gujaf-373	81	13	of	of	ADP
gujaf-373	81	14	microfinance	microfinance	NOUN
gujaf-373	81	15	access	access	NOUN
gujaf-373	81	16	(	(	PUNCT
gujaf-373	81	17	𝑀𝐹	𝑀𝐹	PROPN
gujaf-373	81	18	)	)	PUNCT
gujaf-373	81	19	on	on	ADP
gujaf-373	81	20	business	business	NOUN
gujaf-373	81	21	sustainability	sustainability	NOUN
gujaf-373	81	22	(	(	PUNCT
gujaf-373	81	23	𝐵𝑆	𝐵𝑆	PROPN
gujaf-373	81	24	)	)	PUNCT
gujaf-373	81	25	is	be	AUX
gujaf-373	81	26	estimated	estimate	VERB
gujaf-373	81	27	:	:	PUNCT
gujaf-373	81	28	𝐵𝑆	𝐵𝑆	PROPN
gujaf-373	81	29	=	=	SYM
gujaf-373	82	1	𝛼	𝛼	PROPN
gujaf-373	82	2	+	+	NOUN
gujaf-373	82	3	𝛼	𝛼	PRON
gujaf-373	82	4	𝑀𝐹	𝑀𝐹	PROPN
gujaf-373	82	5	+	+	CCONJ
gujaf-373	82	6	𝜖	𝜖	X
gujaf-373	82	7	(	(	PUNCT
gujaf-373	82	8	1	1	NUM
gujaf-373	82	9	)	)	PUNCT
gujaf-373	82	10	second	second	ADJ
gujaf-373	82	11	,	,	PUNCT
gujaf-373	82	12	financial	financial	ADJ
gujaf-373	82	13	literacy	literacy	NOUN
gujaf-373	82	14	(	(	PUNCT
gujaf-373	82	15	𝐹𝐿	𝐹𝐿	PROPN
gujaf-373	82	16	)	)	PUNCT
gujaf-373	82	17	is	be	AUX
gujaf-373	82	18	regressed	regress	VERB
gujaf-373	82	19	on	on	ADP
gujaf-373	82	20	microfinance	microfinance	NOUN
gujaf-373	82	21	access	access	NOUN
gujaf-373	82	22	to	to	PART
gujaf-373	82	23	estimate	estimate	VERB
gujaf-373	82	24	the	the	DET
gujaf-373	82	25	path	path	NOUN
gujaf-373	82	26	from	from	ADP
gujaf-373	82	27	the	the	DET
gujaf-373	82	28	independent	independent	ADJ
gujaf-373	82	29	variable	variable	NOUN
gujaf-373	82	30	to	to	ADP
gujaf-373	82	31	the	the	DET
gujaf-373	82	32	mediator	mediator	NOUN
gujaf-373	82	33	:	:	PUNCT
gujaf-373	82	34	𝐹𝐿	𝐹𝐿	PROPN
gujaf-373	82	35	=	=	SYM
gujaf-373	82	36	𝛽	𝛽	PROPN
gujaf-373	82	37	+	+	PROPN
gujaf-373	82	38	𝛽	𝛽	PROPN
gujaf-373	82	39	𝑀𝐹	𝑀𝐹	NOUN
gujaf-373	82	40	+	+	CCONJ
gujaf-373	82	41	𝜈	𝜈	X
gujaf-373	82	42	(	(	PUNCT
gujaf-373	82	43	2	2	NUM
gujaf-373	82	44	)	)	PUNCT
gujaf-373	82	45	third	third	NOUN
gujaf-373	82	46	,	,	PUNCT
gujaf-373	82	47	the	the	DET
gujaf-373	82	48	outcome	outcome	NOUN
gujaf-373	82	49	variable	variable	NOUN
gujaf-373	82	50	is	be	AUX
gujaf-373	82	51	regressed	regress	VERB
gujaf-373	82	52	on	on	ADP
gujaf-373	82	53	both	both	CCONJ
gujaf-373	82	54	the	the	DET
gujaf-373	82	55	independent	independent	ADJ
gujaf-373	82	56	and	and	CCONJ
gujaf-373	82	57	mediating	mediate	VERB
gujaf-373	82	58	variables	variable	NOUN
gujaf-373	82	59	to	to	PART
gujaf-373	82	60	estimate	estimate	VERB
gujaf-373	82	61	the	the	DET
gujaf-373	82	62	indirect	indirect	ADJ
gujaf-373	82	63	and	and	CCONJ
gujaf-373	82	64	direct	direct	ADJ
gujaf-373	82	65	effects	effect	NOUN
gujaf-373	82	66	:	:	PUNCT
gujaf-373	83	1	𝐵𝑆	𝐵𝑆	PROPN
gujaf-373	83	2	=	=	SYM
gujaf-373	84	1	𝛾	𝛾	AUX
gujaf-373	84	2	+	+	CCONJ
gujaf-373	84	3	𝛾	𝛾	ADP
gujaf-373	84	4	𝑀𝐹	𝑀𝐹	NOUN
gujaf-373	84	5	+	+	CCONJ
gujaf-373	84	6	𝛾	𝛾	PROPN
gujaf-373	84	7	𝐹𝐿	𝐹𝐿	PROPN
gujaf-373	84	8	+	+	CCONJ
gujaf-373	84	9	𝜂	𝜂	X
gujaf-373	84	10	(	(	PUNCT
gujaf-373	84	11	3	3	NUM
gujaf-373	84	12	)	)	PUNCT
gujaf-373	84	13	where	where	SCONJ
gujaf-373	84	14	𝐵𝑆	𝐵𝑆	PROPN
gujaf-373	84	15	is	be	AUX
gujaf-373	84	16	the	the	DET
gujaf-373	84	17	business	business	NOUN
gujaf-373	84	18	sustainability	sustainability	NOUN
gujaf-373	84	19	score	score	NOUN
gujaf-373	84	20	for	for	ADP
gujaf-373	84	21	entrepreneur	entrepreneur	NOUN
gujaf-373	84	22	𝑖	𝑖	PROPN
gujaf-373	84	23	,	,	PUNCT
gujaf-373	84	24	𝑀𝐹	𝑀𝐹	PROPN
gujaf-373	84	25	represents	represent	VERB
gujaf-373	84	26	the	the	DET
gujaf-373	84	27	level	level	NOUN
gujaf-373	84	28	of	of	ADP
gujaf-373	84	29	microfinance	microfinance	NOUN
gujaf-373	84	30	access	access	NOUN
gujaf-373	84	31	,	,	PUNCT
gujaf-373	84	32	𝐹𝐿	𝐹𝐿	PROPN
gujaf-373	84	33	denotes	denote	VERB
gujaf-373	84	34	financial	financial	ADJ
gujaf-373	84	35	literacy	literacy	NOUN
gujaf-373	84	36	,	,	PUNCT
gujaf-373	84	37	and	and	CCONJ
gujaf-373	84	38	𝜖	𝜖	X
gujaf-373	84	39	,	,	PUNCT
gujaf-373	84	40	𝜈	𝜈	X
gujaf-373	84	41	,	,	PUNCT
gujaf-373	84	42	and	and	CCONJ
gujaf-373	84	43	𝜂	𝜂	NOUN
gujaf-373	84	44	are	be	AUX
gujaf-373	84	45	error	error	NOUN
gujaf-373	84	46	terms	term	NOUN
gujaf-373	84	47	.	.	PUNCT
gujaf-373	85	1	a	a	DET
gujaf-373	85	2	robustness	robustness	NOUN
gujaf-373	85	3	check	check	NOUN
gujaf-373	85	4	is	be	AUX
gujaf-373	85	5	conducted	conduct	VERB
gujaf-373	85	6	using	use	VERB
gujaf-373	85	7	a	a	DET
gujaf-373	85	8	sensitivity	sensitivity	NOUN
gujaf-373	85	9	model	model	NOUN
gujaf-373	85	10	that	that	PRON
gujaf-373	85	11	includes	include	VERB
gujaf-373	85	12	relevant	relevant	ADJ
gujaf-373	85	13	control	control	NOUN
gujaf-373	85	14	variables	variable	NOUN
gujaf-373	85	15	such	such	ADJ
gujaf-373	85	16	as	as	ADP
gujaf-373	85	17	business	business	NOUN
gujaf-373	85	18	age	age	NOUN
gujaf-373	85	19	,	,	PUNCT
gujaf-373	85	20	entrepreneur	entrepreneur	NOUN
gujaf-373	85	21	’s	’s	PART
gujaf-373	85	22	education	education	NOUN
gujaf-373	85	23	level	level	NOUN
gujaf-373	85	24	,	,	PUNCT
gujaf-373	85	25	location	location	NOUN
gujaf-373	85	26	,	,	PUNCT
gujaf-373	85	27	and	and	CCONJ
gujaf-373	85	28	industry	industry	NOUN
gujaf-373	85	29	type	type	NOUN
gujaf-373	85	30	:	:	PUNCT
gujaf-373	85	31	𝐵𝑆	𝐵𝑆	PROPN
gujaf-373	85	32	=	=	PUNCT
gujaf-373	85	33	𝛿	𝛿	ADJ
gujaf-373	85	34	+	+	NUM
gujaf-373	85	35	𝛿	𝛿	DET
gujaf-373	85	36	𝑀𝐹	𝑀𝐹	NOUN
gujaf-373	85	37	+	+	CCONJ
gujaf-373	85	38	𝛿	𝛿	PRON
gujaf-373	85	39	𝐹𝐿	𝐹𝐿	PROPN
gujaf-373	85	40	+	+	CCONJ
gujaf-373	85	41	∑	∑	PROPN
gujaf-373	85	42	𝛿	𝛿	PROPN
gujaf-373	85	43	𝑋	𝑋	PROPN
gujaf-373	85	44	+	+	CCONJ
gujaf-373	85	45	𝜁	𝜁	PROPN
gujaf-373	85	46	(	(	PUNCT
gujaf-373	85	47	4	4	NUM
gujaf-373	85	48	)	)	PUNCT
gujaf-373	85	49	gusau	gusau	ADJ
gujaf-373	85	50	journal	journal	NOUN
gujaf-373	85	51	of	of	ADP
gujaf-373	85	52	accounting	accounting	NOUN
gujaf-373	85	53	and	and	CCONJ
gujaf-373	85	54	finance	finance	NOUN
gujaf-373	85	55	,	,	PUNCT
gujaf-373	85	56	vol.6	vol.6	PROPN
gujaf-373	85	57	,	,	PUNCT
gujaf-373	85	58	issue	issue	NOUN
gujaf-373	85	59	1	1	NUM
gujaf-373	85	60	,	,	PUNCT
gujaf-373	85	61	april	april	PROPN
gujaf-373	85	62	,	,	PUNCT
gujaf-373	85	63	2025	2025	NUM
gujaf-373	85	64	127	127	NUM
gujaf-373	85	65	where	where	SCONJ
gujaf-373	85	66	𝑋	𝑋	NOUN
gujaf-373	85	67	is	be	AUX
gujaf-373	85	68	a	a	DET
gujaf-373	85	69	vector	vector	NOUN
gujaf-373	85	70	of	of	ADP
gujaf-373	85	71	control	control	NOUN
gujaf-373	85	72	variables	variable	NOUN
gujaf-373	85	73	.	.	PUNCT
gujaf-373	86	1	the	the	DET
gujaf-373	86	2	mediation	mediation	NOUN
gujaf-373	86	3	effect	effect	NOUN
gujaf-373	86	4	is	be	AUX
gujaf-373	86	5	further	far	ADV
gujaf-373	86	6	tested	test	VERB
gujaf-373	86	7	using	use	VERB
gujaf-373	86	8	the	the	DET
gujaf-373	86	9	sobel	sobel	NOUN
gujaf-373	86	10	test	test	NOUN
gujaf-373	86	11	and	and	CCONJ
gujaf-373	86	12	bootstrapped	bootstrappe	VERB
gujaf-373	86	13	confidence	confidence	NOUN
gujaf-373	86	14	intervals	interval	NOUN
gujaf-373	86	15	.	.	PUNCT
gujaf-373	87	1	table	table	NOUN
gujaf-373	87	2	1	1	NUM
gujaf-373	87	3	:	:	PUNCT
gujaf-373	87	4	variable	variable	ADJ
gujaf-373	87	5	definitions	definition	NOUN
gujaf-373	87	6	and	and	CCONJ
gujaf-373	87	7	data	datum	NOUN
gujaf-373	87	8	sources	source	NOUN
gujaf-373	87	9	variable	variable	ADJ
gujaf-373	87	10	description	description	NOUN
gujaf-373	87	11	measurement	measurement	NOUN
gujaf-373	87	12	source	source	NOUN
gujaf-373	87	13	business	business	NOUN
gujaf-373	87	14	sustainability	sustainability	NOUN
gujaf-373	87	15	(	(	PUNCT
gujaf-373	87	16	bs	bs	NOUN
gujaf-373	87	17	)	)	PUNCT
gujaf-373	87	18	composite	composite	ADJ
gujaf-373	87	19	index	index	NOUN
gujaf-373	87	20	of	of	ADP
gujaf-373	87	21	profitability	profitability	NOUN
gujaf-373	87	22	,	,	PUNCT
gujaf-373	87	23	survival	survival	NOUN
gujaf-373	87	24	,	,	PUNCT
gujaf-373	87	25	and	and	CCONJ
gujaf-373	87	26	customer	customer	NOUN
gujaf-373	87	27	growth	growth	NOUN
gujaf-373	87	28	index	index	NOUN
gujaf-373	87	29	(	(	PUNCT
gujaf-373	87	30	0	0	NUM
gujaf-373	87	31	-	-	SYM
gujaf-373	87	32	100	100	NUM
gujaf-373	87	33	)	)	PUNCT
gujaf-373	87	34	field	field	NOUN
gujaf-373	87	35	survey	survey	NOUN
gujaf-373	87	36	microfinance	microfinance	NOUN
gujaf-373	87	37	access	access	NOUN
gujaf-373	87	38	(	(	PUNCT
gujaf-373	87	39	mf	mf	NOUN
gujaf-373	87	40	)	)	PUNCT
gujaf-373	87	41	access	access	NOUN
gujaf-373	87	42	to	to	ADP
gujaf-373	87	43	credit	credit	NOUN
gujaf-373	87	44	,	,	PUNCT
gujaf-373	87	45	savings	saving	NOUN
gujaf-373	87	46	,	,	PUNCT
gujaf-373	87	47	and	and	CCONJ
gujaf-373	87	48	financial	financial	ADJ
gujaf-373	87	49	training	training	NOUN
gujaf-373	87	50	through	through	ADP
gujaf-373	87	51	mfis	mfis	PROPN
gujaf-373	87	52	binary	binary	ADJ
gujaf-373	87	53	and	and	CCONJ
gujaf-373	87	54	ordinal	ordinal	ADJ
gujaf-373	87	55	scale	scale	NOUN
gujaf-373	87	56	field	field	NOUN
gujaf-373	87	57	survey	survey	VERB
gujaf-373	87	58	financial	financial	ADJ
gujaf-373	87	59	literacy	literacy	NOUN
gujaf-373	87	60	(	(	PUNCT
gujaf-373	87	61	fl	fl	NOUN
gujaf-373	87	62	)	)	PUNCT
gujaf-373	87	63	knowledge	knowledge	NOUN
gujaf-373	87	64	of	of	ADP
gujaf-373	87	65	budgeting	budgeting	NOUN
gujaf-373	87	66	,	,	PUNCT
gujaf-373	87	67	interest	interest	NOUN
gujaf-373	87	68	rates	rate	NOUN
gujaf-373	87	69	,	,	PUNCT
gujaf-373	87	70	financial	financial	ADJ
gujaf-373	87	71	planning	planning	NOUN
gujaf-373	87	72	standardized	standardize	VERB
gujaf-373	87	73	score	score	NOUN
gujaf-373	87	74	(	(	PUNCT
gujaf-373	87	75	010	010	NUM
gujaf-373	87	76	)	)	PUNCT
gujaf-373	87	77	adapted	adapt	VERB
gujaf-373	87	78	from	from	ADP
gujaf-373	87	79	oecd	oecd	PROPN
gujaf-373	87	80	(	(	PUNCT
gujaf-373	87	81	2022	2022	NUM
gujaf-373	87	82	)	)	PUNCT
gujaf-373	87	83	business	business	NOUN
gujaf-373	87	84	age	age	NOUN
gujaf-373	87	85	(	(	PUNCT
gujaf-373	87	86	age	age	NOUN
gujaf-373	87	87	)	)	PUNCT
gujaf-373	87	88	number	number	NOUN
gujaf-373	87	89	of	of	ADP
gujaf-373	87	90	years	year	NOUN
gujaf-373	87	91	the	the	DET
gujaf-373	87	92	business	business	NOUN
gujaf-373	87	93	has	have	AUX
gujaf-373	87	94	operated	operate	VERB
gujaf-373	87	95	continuous	continuous	ADJ
gujaf-373	87	96	field	field	NOUN
gujaf-373	87	97	survey	survey	NOUN
gujaf-373	87	98	education	education	NOUN
gujaf-373	87	99	(	(	PUNCT
gujaf-373	87	100	edu	edu	PROPN
gujaf-373	87	101	)	)	PUNCT
gujaf-373	87	102	educational	educational	ADJ
gujaf-373	87	103	attainment	attainment	NOUN
gujaf-373	87	104	of	of	ADP
gujaf-373	87	105	entrepreneur	entrepreneur	NOUN
gujaf-373	87	106	categorical	categorical	ADJ
gujaf-373	87	107	(	(	PUNCT
gujaf-373	87	108	1	1	NUM
gujaf-373	87	109	=	=	NOUN
gujaf-373	87	110	primary	primary	NOUN
gujaf-373	87	111	,	,	PUNCT
gujaf-373	87	112	2	2	NUM
gujaf-373	87	113	=	=	NUM
gujaf-373	87	114	tertiary	tertiary	ADJ
gujaf-373	87	115	)	)	PUNCT
gujaf-373	87	116	field	field	NOUN
gujaf-373	87	117	survey	survey	NOUN
gujaf-373	87	118	location	location	NOUN
gujaf-373	87	119	(	(	PUNCT
gujaf-373	87	120	loc	loc	NOUN
gujaf-373	87	121	)	)	PUNCT
gujaf-373	87	122	urban	urban	ADJ
gujaf-373	87	123	or	or	CCONJ
gujaf-373	87	124	rural	rural	ADJ
gujaf-373	87	125	classification	classification	NOUN
gujaf-373	87	126	dummy	dummy	NOUN
gujaf-373	87	127	(	(	PUNCT
gujaf-373	87	128	1	1	NUM
gujaf-373	87	129	=	=	NOUN
gujaf-373	87	130	urban	urban	ADJ
gujaf-373	87	131	,	,	PUNCT
gujaf-373	87	132	0	0	PUNCT
gujaf-373	87	133	=	=	SYM
gujaf-373	87	134	rural	rural	ADJ
gujaf-373	87	135	)	)	PUNCT
gujaf-373	87	136	field	field	NOUN
gujaf-373	87	137	survey	survey	NOUN
gujaf-373	87	138	industry	industry	NOUN
gujaf-373	87	139	(	(	PUNCT
gujaf-373	87	140	ind	ind	NOUN
gujaf-373	87	141	)	)	PUNCT
gujaf-373	87	142	sector	sector	NOUN
gujaf-373	87	143	classification	classification	NOUN
gujaf-373	87	144	(	(	PUNCT
gujaf-373	87	145	manufacturing	manufacturing	NOUN
gujaf-373	87	146	,	,	PUNCT
gujaf-373	87	147	services	service	NOUN
gujaf-373	87	148	,	,	PUNCT
gujaf-373	87	149	etc	etc	X
gujaf-373	87	150	.	.	X
gujaf-373	87	151	)	)	PUNCT
gujaf-373	88	1	nominal	nominal	ADJ
gujaf-373	88	2	field	field	NOUN
gujaf-373	88	3	survey	survey	NOUN
gujaf-373	88	4	source	source	NOUN
gujaf-373	88	5	:	:	PUNCT
gujaf-373	88	6	author	author	NOUN
gujaf-373	88	7	(	(	PUNCT
gujaf-373	88	8	2025	2025	NUM
gujaf-373	88	9	)	)	PUNCT
gujaf-373	88	10	estimation	estimation	NOUN
gujaf-373	88	11	methods	method	NOUN
gujaf-373	88	12	ordinary	ordinary	ADJ
gujaf-373	88	13	least	least	ADJ
gujaf-373	88	14	squares	square	NOUN
gujaf-373	88	15	(	(	PUNCT
gujaf-373	88	16	ols	ol	NOUN
gujaf-373	88	17	)	)	PUNCT
gujaf-373	88	18	regression	regression	NOUN
gujaf-373	88	19	is	be	AUX
gujaf-373	88	20	applied	apply	VERB
gujaf-373	88	21	to	to	PART
gujaf-373	88	22	estimate	estimate	VERB
gujaf-373	88	23	equations	equation	NOUN
gujaf-373	88	24	(	(	PUNCT
gujaf-373	88	25	1	1	NUM
gujaf-373	88	26	)	)	PUNCT
gujaf-373	88	27	through	through	ADP
gujaf-373	88	28	(	(	PUNCT
gujaf-373	88	29	4	4	NUM
gujaf-373	88	30	)	)	PUNCT
gujaf-373	88	31	,	,	PUNCT
gujaf-373	88	32	allowing	allow	VERB
gujaf-373	88	33	for	for	ADP
gujaf-373	88	34	clear	clear	ADJ
gujaf-373	88	35	interpretation	interpretation	NOUN
gujaf-373	88	36	of	of	ADP
gujaf-373	88	37	direct	direct	ADJ
gujaf-373	88	38	and	and	CCONJ
gujaf-373	88	39	indirect	indirect	ADJ
gujaf-373	88	40	effects	effect	NOUN
gujaf-373	88	41	.	.	PUNCT
gujaf-373	89	1	mediation	mediation	NOUN
gujaf-373	89	2	analysis	analysis	NOUN
gujaf-373	89	3	follows	follow	VERB
gujaf-373	89	4	the	the	DET
gujaf-373	89	5	procedures	procedure	NOUN
gujaf-373	89	6	outlined	outline	VERB
gujaf-373	89	7	by	by	ADP
gujaf-373	89	8	imai	imai	PROPN
gujaf-373	89	9	et	et	PROPN
gujaf-373	89	10	al	al	PROPN
gujaf-373	89	11	.	.	PROPN
gujaf-373	90	1	(	(	PUNCT
gujaf-373	90	2	2010	2010	NUM
gujaf-373	90	3	)	)	PUNCT
gujaf-373	90	4	,	,	PUNCT
gujaf-373	90	5	where	where	SCONJ
gujaf-373	90	6	the	the	DET
gujaf-373	90	7	average	average	ADJ
gujaf-373	90	8	causal	causal	ADJ
gujaf-373	90	9	mediation	mediation	NOUN
gujaf-373	90	10	effect	effect	NOUN
gujaf-373	90	11	(	(	PUNCT
gujaf-373	90	12	acme	acme	PROPN
gujaf-373	90	13	)	)	PUNCT
gujaf-373	90	14	and	and	CCONJ
gujaf-373	90	15	average	average	ADJ
gujaf-373	90	16	direct	direct	ADJ
gujaf-373	90	17	effect	effect	NOUN
gujaf-373	90	18	(	(	PUNCT
gujaf-373	90	19	ade	ade	PROPN
gujaf-373	90	20	)	)	PUNCT
gujaf-373	90	21	are	be	AUX
gujaf-373	90	22	estimated	estimate	VERB
gujaf-373	90	23	using	use	VERB
gujaf-373	90	24	non	non	ADJ
gujaf-373	90	25	-	-	ADJ
gujaf-373	90	26	parametric	parametric	ADJ
gujaf-373	90	27	bootstrapping	bootstrapping	NOUN
gujaf-373	90	28	(	(	PUNCT
gujaf-373	90	29	5,000	5,000	NUM
gujaf-373	90	30	resamples	resample	NOUN
gujaf-373	90	31	)	)	PUNCT
gujaf-373	90	32	.	.	PUNCT
gujaf-373	91	1	the	the	DET
gujaf-373	91	2	inclusion	inclusion	NOUN
gujaf-373	91	3	of	of	ADP
gujaf-373	91	4	control	control	NOUN
gujaf-373	91	5	variables	variable	NOUN
gujaf-373	91	6	in	in	ADP
gujaf-373	91	7	equation	equation	NOUN
gujaf-373	91	8	(	(	PUNCT
gujaf-373	91	9	4	4	X
gujaf-373	91	10	)	)	PUNCT
gujaf-373	91	11	strengthens	strengthen	VERB
gujaf-373	91	12	causal	causal	NOUN
gujaf-373	91	13	inference	inference	NOUN
gujaf-373	91	14	by	by	ADP
gujaf-373	91	15	mitigating	mitigate	VERB
gujaf-373	91	16	omitted	omit	VERB
gujaf-373	91	17	variable	variable	ADJ
gujaf-373	91	18	bias	bias	NOUN
gujaf-373	91	19	.	.	PUNCT
gujaf-373	92	1	the	the	DET
gujaf-373	92	2	choice	choice	NOUN
gujaf-373	92	3	of	of	ADP
gujaf-373	92	4	ols	ol	NOUN
gujaf-373	92	5	is	be	AUX
gujaf-373	92	6	justified	justify	VERB
gujaf-373	92	7	due	due	ADP
gujaf-373	92	8	to	to	ADP
gujaf-373	92	9	the	the	DET
gujaf-373	92	10	continuous	continuous	ADJ
gujaf-373	92	11	nature	nature	NOUN
gujaf-373	92	12	of	of	ADP
gujaf-373	92	13	the	the	DET
gujaf-373	92	14	dependent	dependent	ADJ
gujaf-373	92	15	variable	variable	NOUN
gujaf-373	92	16	and	and	CCONJ
gujaf-373	92	17	the	the	DET
gujaf-373	92	18	absence	absence	NOUN
gujaf-373	92	19	of	of	ADP
gujaf-373	92	20	endogeneity	endogeneity	NOUN
gujaf-373	92	21	as	as	SCONJ
gujaf-373	92	22	confirmed	confirm	VERB
gujaf-373	92	23	by	by	ADP
gujaf-373	92	24	the	the	DET
gujaf-373	92	25	durbin	durbin	PROPN
gujaf-373	92	26	-	-	PUNCT
gujaf-373	92	27	wu	wu	PROPN
gujaf-373	92	28	-	-	PUNCT
gujaf-373	92	29	hausman	hausman	PROPN
gujaf-373	92	30	test	test	NOUN
gujaf-373	92	31	.	.	PUNCT
gujaf-373	93	1	for	for	ADP
gujaf-373	93	2	robustness	robustness	NOUN
gujaf-373	93	3	,	,	PUNCT
gujaf-373	93	4	the	the	DET
gujaf-373	93	5	variance	variance	NOUN
gujaf-373	93	6	inflation	inflation	NOUN
gujaf-373	93	7	factor	factor	NOUN
gujaf-373	93	8	(	(	PUNCT
gujaf-373	93	9	vif	vif	NOUN
gujaf-373	93	10	)	)	PUNCT
gujaf-373	93	11	is	be	AUX
gujaf-373	93	12	used	use	VERB
gujaf-373	93	13	to	to	PART
gujaf-373	93	14	test	test	VERB
gujaf-373	93	15	for	for	ADP
gujaf-373	93	16	multicollinearity	multicollinearity	NOUN
gujaf-373	93	17	,	,	PUNCT
gujaf-373	93	18	and	and	CCONJ
gujaf-373	93	19	residuals	residual	NOUN
gujaf-373	93	20	are	be	AUX
gujaf-373	93	21	examined	examine	VERB
gujaf-373	93	22	for	for	ADP
gujaf-373	93	23	heteroscedasticity	heteroscedasticity	NOUN
gujaf-373	93	24	using	use	VERB
gujaf-373	93	25	breusch	breusch	ADJ
gujaf-373	93	26	-	-	PUNCT
gujaf-373	93	27	pagan	pagan	ADJ
gujaf-373	93	28	tests	test	NOUN
gujaf-373	93	29	.	.	PUNCT
gujaf-373	94	1	in	in	ADP
gujaf-373	94	2	addition	addition	NOUN
gujaf-373	94	3	,	,	PUNCT
gujaf-373	94	4	a	a	DET
gujaf-373	94	5	robustness	robustness	NOUN
gujaf-373	94	6	check	check	NOUN
gujaf-373	94	7	is	be	AUX
gujaf-373	94	8	performed	perform	VERB
gujaf-373	94	9	using	use	VERB
gujaf-373	94	10	structural	structural	ADJ
gujaf-373	94	11	equation	equation	NOUN
gujaf-373	94	12	modeling	modeling	NOUN
gujaf-373	94	13	(	(	PUNCT
gujaf-373	94	14	sem	sem	NOUN
gujaf-373	94	15	)	)	PUNCT
gujaf-373	94	16	to	to	PART
gujaf-373	94	17	validate	validate	VERB
gujaf-373	94	18	the	the	DET
gujaf-373	94	19	mediating	mediate	VERB
gujaf-373	94	20	pathways	pathway	NOUN
gujaf-373	94	21	.	.	PUNCT
gujaf-373	95	1	4.0	4.0	NUM
gujaf-373	95	2	results	result	NOUN
gujaf-373	95	3	and	and	CCONJ
gujaf-373	95	4	implications	implication	NOUN
gujaf-373	95	5	the	the	DET
gujaf-373	95	6	summary	summary	NOUN
gujaf-373	95	7	statistics	statistic	NOUN
gujaf-373	95	8	presented	present	VERB
gujaf-373	95	9	in	in	ADP
gujaf-373	95	10	table	table	NOUN
gujaf-373	95	11	2	2	NUM
gujaf-373	95	12	reveal	reveal	VERB
gujaf-373	95	13	a	a	DET
gujaf-373	95	14	relatively	relatively	ADV
gujaf-373	95	15	high	high	ADJ
gujaf-373	95	16	average	average	ADJ
gujaf-373	95	17	business	business	NOUN
gujaf-373	95	18	sustainability	sustainability	NOUN
gujaf-373	95	19	(	(	PUNCT
gujaf-373	95	20	bs	bs	NOUN
gujaf-373	95	21	)	)	PUNCT
gujaf-373	95	22	score	score	NOUN
gujaf-373	95	23	of	of	ADP
gujaf-373	95	24	76.785	76.785	NUM
gujaf-373	95	25	,	,	PUNCT
gujaf-373	95	26	suggesting	suggest	VERB
gujaf-373	95	27	a	a	DET
gujaf-373	95	28	generally	generally	ADV
gujaf-373	95	29	strong	strong	ADJ
gujaf-373	95	30	performance	performance	NOUN
gujaf-373	95	31	among	among	ADP
gujaf-373	95	32	womenled	womenle	VERB
gujaf-373	95	33	smes	sme	NOUN
gujaf-373	95	34	in	in	ADP
gujaf-373	95	35	the	the	DET
gujaf-373	95	36	sample	sample	NOUN
gujaf-373	95	37	.	.	PUNCT
gujaf-373	96	1	the	the	DET
gujaf-373	96	2	standard	standard	ADJ
gujaf-373	96	3	deviation	deviation	NOUN
gujaf-373	96	4	of	of	ADP
gujaf-373	96	5	6.099	6.099	NUM
gujaf-373	96	6	and	and	CCONJ
gujaf-373	96	7	the	the	DET
gujaf-373	96	8	range	range	NOUN
gujaf-373	96	9	between	between	ADP
gujaf-373	96	10	57.795	57.795	NUM
gujaf-373	96	11	and	and	CCONJ
gujaf-373	96	12	98.930	98.930	NUM
gujaf-373	96	13	indicate	indicate	VERB
gujaf-373	96	14	moderate	moderate	ADJ
gujaf-373	96	15	variability	variability	NOUN
gujaf-373	96	16	in	in	ADP
gujaf-373	96	17	enterprise	enterprise	NOUN
gujaf-373	96	18	outcomes	outcome	NOUN
gujaf-373	96	19	,	,	PUNCT
gujaf-373	96	20	which	which	PRON
gujaf-373	96	21	is	be	AUX
gujaf-373	96	22	expected	expect	VERB
gujaf-373	96	23	given	give	VERB
gujaf-373	96	24	the	the	DET
gujaf-373	96	25	heterogeneity	heterogeneity	NOUN
gujaf-373	96	26	in	in	ADP
gujaf-373	96	27	sectors	sector	NOUN
gujaf-373	96	28	,	,	PUNCT
gujaf-373	96	29	regions	region	NOUN
gujaf-373	96	30	,	,	PUNCT
gujaf-373	96	31	and	and	CCONJ
gujaf-373	96	32	entrepreneur	entrepreneur	NOUN
gujaf-373	96	33	backgrounds	background	NOUN
gujaf-373	96	34	.	.	PUNCT
gujaf-373	97	1	the	the	DET
gujaf-373	97	2	mean	mean	ADJ
gujaf-373	97	3	microfinance	microfinance	NOUN
gujaf-373	97	4	access	access	NOUN
gujaf-373	97	5	(	(	PUNCT
gujaf-373	97	6	mf	mf	NOUN
gujaf-373	97	7	)	)	PUNCT
gujaf-373	97	8	score	score	NOUN
gujaf-373	97	9	is	be	AUX
gujaf-373	97	10	0.497	0.497	NUM
gujaf-373	97	11	,	,	PUNCT
gujaf-373	97	12	reflecting	reflect	VERB
gujaf-373	97	13	an	an	DET
gujaf-373	97	14	almost	almost	ADV
gujaf-373	97	15	equal	equal	ADJ
gujaf-373	97	16	split	split	NOUN
gujaf-373	97	17	between	between	ADP
gujaf-373	97	18	those	those	PRON
gujaf-373	97	19	with	with	ADP
gujaf-373	97	20	and	and	CCONJ
gujaf-373	97	21	without	without	ADP
gujaf-373	97	22	access	access	NOUN
gujaf-373	97	23	.	.	PUNCT
gujaf-373	98	1	this	this	DET
gujaf-373	98	2	distribution	distribution	NOUN
gujaf-373	98	3	is	be	AUX
gujaf-373	98	4	essential	essential	ADJ
gujaf-373	98	5	for	for	ADP
gujaf-373	98	6	identifying	identify	VERB
gujaf-373	98	7	treatment	treatment	NOUN
gujaf-373	98	8	effects	effect	NOUN
gujaf-373	98	9	.	.	PUNCT
gujaf-373	99	1	meanwhile	meanwhile	ADV
gujaf-373	99	2	,	,	PUNCT
gujaf-373	99	3	financial	financial	ADJ
gujaf-373	99	4	literacy	literacy	NOUN
gujaf-373	99	5	(	(	PUNCT
gujaf-373	99	6	fl	fl	NOUN
gujaf-373	99	7	)	)	PUNCT
gujaf-373	99	8	shows	show	VERB
gujaf-373	99	9	a	a	DET
gujaf-373	99	10	mean	mean	NOUN
gujaf-373	99	11	of	of	ADP
gujaf-373	99	12	5.822	5.822	NUM
gujaf-373	99	13	(	(	PUNCT
gujaf-373	99	14	on	on	ADP
gujaf-373	99	15	a	a	DET
gujaf-373	99	16	10	10	NUM
gujaf-373	99	17	-	-	PUNCT
gujaf-373	99	18	point	point	NOUN
gujaf-373	99	19	scale	scale	NOUN
gujaf-373	99	20	)	)	PUNCT
gujaf-373	99	21	,	,	PUNCT
gujaf-373	99	22	consistent	consistent	ADJ
gujaf-373	99	23	with	with	ADP
gujaf-373	99	24	intermediate	intermediate	ADJ
gujaf-373	99	25	knowledge	knowledge	NOUN
gujaf-373	99	26	,	,	PUNCT
gujaf-373	99	27	which	which	PRON
gujaf-373	99	28	aligns	align	VERB
gujaf-373	99	29	with	with	ADP
gujaf-373	99	30	findings	finding	NOUN
gujaf-373	99	31	by	by	ADP
gujaf-373	99	32	adebayo	adebayo	PROPN
gujaf-373	99	33	et	et	PROPN
gujaf-373	99	34	al	al	PROPN
gujaf-373	99	35	.	.	PROPN
gujaf-373	100	1	(	(	PUNCT
gujaf-373	100	2	2022	2022	NUM
gujaf-373	100	3	)	)	PUNCT
gujaf-373	100	4	and	and	CCONJ
gujaf-373	100	5	osei	osei	PROPN
gujaf-373	100	6	-	-	PUNCT
gujaf-373	100	7	assibey	assibey	PROPN
gujaf-373	100	8	(	(	PUNCT
gujaf-373	100	9	2023	2023	NUM
gujaf-373	100	10	)	)	PUNCT
gujaf-373	100	11	that	that	PRON
gujaf-373	100	12	highlight	highlight	VERB
gujaf-373	100	13	moderate	moderate	ADJ
gujaf-373	100	14	literacy	literacy	NOUN
gujaf-373	100	15	levels	level	NOUN
gujaf-373	100	16	among	among	ADP
gujaf-373	100	17	female	female	ADJ
gujaf-373	100	18	entrepreneurs	entrepreneur	NOUN
gujaf-373	100	19	in	in	ADP
gujaf-373	100	20	sub	sub	ADJ
gujaf-373	100	21	-	-	ADJ
gujaf-373	100	22	saharan	saharan	ADJ
gujaf-373	100	23	africa	africa	PROPN
gujaf-373	100	24	.	.	PUNCT
gujaf-373	101	1	gusau	gusau	PROPN
gujaf-373	101	2	journal	journal	PROPN
gujaf-373	101	3	of	of	ADP
gujaf-373	101	4	accounting	accounting	NOUN
gujaf-373	101	5	and	and	CCONJ
gujaf-373	101	6	finance	finance	NOUN
gujaf-373	101	7	,	,	PUNCT
gujaf-373	101	8	vol.6	vol.6	PROPN
gujaf-373	101	9	,	,	PUNCT
gujaf-373	101	10	issue	issue	NOUN
gujaf-373	101	11	1	1	NUM
gujaf-373	101	12	,	,	PUNCT
gujaf-373	101	13	april	april	PROPN
gujaf-373	101	14	,	,	PUNCT
gujaf-373	101	15	2025	2025	NUM
gujaf-373	101	16	128	128	NUM
gujaf-373	101	17	the	the	DET
gujaf-373	101	18	correlation	correlation	NOUN
gujaf-373	101	19	matrix	matrix	NOUN
gujaf-373	101	20	in	in	ADP
gujaf-373	101	21	table	table	NOUN
gujaf-373	101	22	3	3	NUM
gujaf-373	101	23	demonstrates	demonstrate	VERB
gujaf-373	101	24	significant	significant	ADJ
gujaf-373	101	25	associations	association	NOUN
gujaf-373	101	26	.	.	PUNCT
gujaf-373	102	1	business	business	NOUN
gujaf-373	102	2	sustainability	sustainability	NOUN
gujaf-373	102	3	is	be	AUX
gujaf-373	102	4	positively	positively	ADV
gujaf-373	102	5	correlated	correlate	VERB
gujaf-373	102	6	with	with	ADP
gujaf-373	102	7	both	both	DET
gujaf-373	102	8	microfinance	microfinance	NOUN
gujaf-373	102	9	access	access	NOUN
gujaf-373	102	10	(	(	PUNCT
gujaf-373	102	11	r	r	NOUN
gujaf-373	102	12	=	=	SYM
gujaf-373	102	13	0.310	0.310	NUM
gujaf-373	102	14	)	)	PUNCT
gujaf-373	102	15	and	and	CCONJ
gujaf-373	102	16	financial	financial	ADJ
gujaf-373	102	17	literacy	literacy	NOUN
gujaf-373	102	18	(	(	PUNCT
gujaf-373	102	19	r	r	NOUN
gujaf-373	102	20	=	=	NOUN
gujaf-373	102	21	0.470	0.470	NUM
gujaf-373	102	22	)	)	PUNCT
gujaf-373	102	23	,	,	PUNCT
gujaf-373	102	24	lending	lend	VERB
gujaf-373	102	25	preliminary	preliminary	ADJ
gujaf-373	102	26	support	support	NOUN
gujaf-373	102	27	to	to	PART
gujaf-373	102	28	h1	h1	VERB
gujaf-373	102	29	and	and	CCONJ
gujaf-373	102	30	h2	h2	NOUN
gujaf-373	102	31	.	.	PUNCT
gujaf-373	103	1	however	however	ADV
gujaf-373	103	2	,	,	PUNCT
gujaf-373	103	3	mf	mf	X
gujaf-373	103	4	and	and	CCONJ
gujaf-373	103	5	fl	fl	PROPN
gujaf-373	103	6	are	be	AUX
gujaf-373	103	7	weakly	weakly	ADV
gujaf-373	103	8	correlated	correlate	VERB
gujaf-373	103	9	(	(	PUNCT
gujaf-373	103	10	r	r	NOUN
gujaf-373	103	11	=	=	SYM
gujaf-373	103	12	0.077	0.077	NUM
gujaf-373	103	13	)	)	PUNCT
gujaf-373	103	14	,	,	PUNCT
gujaf-373	103	15	indicating	indicate	VERB
gujaf-373	103	16	that	that	SCONJ
gujaf-373	103	17	while	while	SCONJ
gujaf-373	103	18	related	relate	VERB
gujaf-373	103	19	,	,	PUNCT
gujaf-373	103	20	financial	financial	ADJ
gujaf-373	103	21	literacy	literacy	NOUN
gujaf-373	103	22	is	be	AUX
gujaf-373	103	23	not	not	PART
gujaf-373	103	24	exclusively	exclusively	ADV
gujaf-373	103	25	driven	drive	VERB
gujaf-373	103	26	by	by	ADP
gujaf-373	103	27	microfinance	microfinance	NOUN
gujaf-373	103	28	exposure	exposure	NOUN
gujaf-373	103	29	a	a	DET
gujaf-373	103	30	point	point	NOUN
gujaf-373	103	31	consistent	consistent	ADJ
gujaf-373	103	32	with	with	ADP
gujaf-373	103	33	the	the	DET
gujaf-373	103	34	observations	observation	NOUN
gujaf-373	103	35	of	of	ADP
gujaf-373	103	36	musie	musie	NOUN
gujaf-373	103	37	et	et	PROPN
gujaf-373	103	38	al	al	PROPN
gujaf-373	103	39	.	.	PROPN
gujaf-373	103	40	(	(	PUNCT
gujaf-373	103	41	2020	2020	NUM
gujaf-373	103	42	)	)	PUNCT
gujaf-373	103	43	,	,	PUNCT
gujaf-373	103	44	who	who	PRON
gujaf-373	103	45	emphasize	emphasize	VERB
gujaf-373	103	46	the	the	DET
gujaf-373	103	47	need	need	NOUN
gujaf-373	103	48	for	for	ADP
gujaf-373	103	49	targeted	target	VERB
gujaf-373	103	50	education	education	NOUN
gujaf-373	103	51	initiatives	initiative	NOUN
gujaf-373	103	52	beyond	beyond	ADP
gujaf-373	103	53	credit	credit	NOUN
gujaf-373	103	54	provision	provision	NOUN
gujaf-373	103	55	.	.	PUNCT
gujaf-373	104	1	moreover	moreover	ADV
gujaf-373	104	2	,	,	PUNCT
gujaf-373	104	3	business	business	NOUN
gujaf-373	104	4	age	age	NOUN
gujaf-373	104	5	shows	show	VERB
gujaf-373	104	6	a	a	DET
gujaf-373	104	7	modest	modest	ADJ
gujaf-373	104	8	negative	negative	ADJ
gujaf-373	104	9	correlation	correlation	NOUN
gujaf-373	104	10	with	with	ADP
gujaf-373	104	11	bs	bs	NOUN
gujaf-373	104	12	(	(	PUNCT
gujaf-373	104	13	r	r	NOUN
gujaf-373	104	14	=	=	SYM
gujaf-373	104	15	-0.182	-0.182	NOUN
gujaf-373	104	16	)	)	PUNCT
gujaf-373	104	17	,	,	PUNCT
gujaf-373	104	18	implying	imply	VERB
gujaf-373	104	19	that	that	SCONJ
gujaf-373	104	20	older	old	ADJ
gujaf-373	104	21	businesses	business	NOUN
gujaf-373	104	22	may	may	AUX
gujaf-373	104	23	face	face	VERB
gujaf-373	104	24	sustainability	sustainability	NOUN
gujaf-373	104	25	challenges	challenge	NOUN
gujaf-373	104	26	,	,	PUNCT
gujaf-373	104	27	perhaps	perhaps	ADV
gujaf-373	104	28	due	due	ADP
gujaf-373	104	29	to	to	ADP
gujaf-373	104	30	structural	structural	ADJ
gujaf-373	104	31	stagnation	stagnation	NOUN
gujaf-373	104	32	or	or	CCONJ
gujaf-373	104	33	external	external	ADJ
gujaf-373	104	34	shocks	shock	NOUN
gujaf-373	104	35	.	.	PUNCT
gujaf-373	105	1	the	the	DET
gujaf-373	105	2	pre	pre	ADJ
gujaf-373	105	3	-	-	ADJ
gujaf-373	105	4	estimation	estimation	ADJ
gujaf-373	105	5	diagnostics	diagnostic	NOUN
gujaf-373	105	6	in	in	ADP
gujaf-373	105	7	table	table	NOUN
gujaf-373	105	8	4	4	NUM
gujaf-373	105	9	confirm	confirm	VERB
gujaf-373	105	10	the	the	DET
gujaf-373	105	11	robustness	robustness	NOUN
gujaf-373	105	12	of	of	ADP
gujaf-373	105	13	the	the	DET
gujaf-373	105	14	model	model	NOUN
gujaf-373	105	15	specification	specification	NOUN
gujaf-373	105	16	.	.	PUNCT
gujaf-373	106	1	the	the	DET
gujaf-373	106	2	mean	mean	ADJ
gujaf-373	106	3	vif	vif	NOUN
gujaf-373	106	4	of	of	ADP
gujaf-373	106	5	1.874	1.874	NUM
gujaf-373	106	6	suggests	suggest	VERB
gujaf-373	106	7	no	no	DET
gujaf-373	106	8	multicollinearity	multicollinearity	NOUN
gujaf-373	106	9	concerns	concern	NOUN
gujaf-373	106	10	,	,	PUNCT
gujaf-373	106	11	which	which	PRON
gujaf-373	106	12	is	be	AUX
gujaf-373	106	13	crucial	crucial	ADJ
gujaf-373	106	14	given	give	VERB
gujaf-373	106	15	the	the	DET
gujaf-373	106	16	close	close	ADJ
gujaf-373	106	17	conceptual	conceptual	ADJ
gujaf-373	106	18	relationships	relationship	NOUN
gujaf-373	106	19	between	between	ADP
gujaf-373	106	20	variables	variable	NOUN
gujaf-373	106	21	.	.	PUNCT
gujaf-373	107	1	the	the	DET
gujaf-373	107	2	breusch	breusch	VERB
gujaf-373	107	3	-	-	PUNCT
gujaf-373	107	4	pagan	pagan	VERB
gujaf-373	107	5	test	test	NOUN
gujaf-373	107	6	shows	show	VERB
gujaf-373	107	7	no	no	DET
gujaf-373	107	8	significant	significant	ADJ
gujaf-373	107	9	heteroscedasticity	heteroscedasticity	NOUN
gujaf-373	107	10	,	,	PUNCT
gujaf-373	107	11	and	and	CCONJ
gujaf-373	107	12	the	the	DET
gujaf-373	107	13	durbin	durbin	ADJ
gujaf-373	107	14	-	-	PUNCT
gujaf-373	107	15	wu	wu	PROPN
gujaf-373	107	16	-	-	PUNCT
gujaf-373	107	17	hausman	hausman	PROPN
gujaf-373	107	18	test	test	NOUN
gujaf-373	107	19	confirms	confirm	VERB
gujaf-373	107	20	the	the	DET
gujaf-373	107	21	absence	absence	NOUN
gujaf-373	107	22	of	of	ADP
gujaf-373	107	23	endogeneity	endogeneity	NOUN
gujaf-373	107	24	,	,	PUNCT
gujaf-373	107	25	affirming	affirm	VERB
gujaf-373	107	26	the	the	DET
gujaf-373	107	27	suitability	suitability	NOUN
gujaf-373	107	28	of	of	ADP
gujaf-373	107	29	ols	ols	PROPN
gujaf-373	107	30	.	.	PUNCT
gujaf-373	108	1	the	the	DET
gujaf-373	108	2	cronbach	cronbach	NOUN
gujaf-373	108	3	’s	’s	PART
gujaf-373	108	4	alpha	alpha	NOUN
gujaf-373	108	5	values	value	NOUN
gujaf-373	108	6	validate	validate	VERB
gujaf-373	108	7	internal	internal	ADJ
gujaf-373	108	8	consistency	consistency	NOUN
gujaf-373	108	9	across	across	ADP
gujaf-373	108	10	survey	survey	NOUN
gujaf-373	108	11	items	item	NOUN
gujaf-373	108	12	,	,	PUNCT
gujaf-373	108	13	consistent	consistent	ADJ
gujaf-373	108	14	with	with	ADP
gujaf-373	108	15	methodological	methodological	ADJ
gujaf-373	108	16	standards	standard	NOUN
gujaf-373	108	17	outlined	outline	VERB
gujaf-373	108	18	by	by	ADP
gujaf-373	108	19	hair	hair	NOUN
gujaf-373	108	20	et	et	PROPN
gujaf-373	108	21	al	al	PROPN
gujaf-373	108	22	.	.	PROPN
gujaf-373	109	1	(	(	PUNCT
gujaf-373	109	2	2021	2021	NUM
gujaf-373	109	3	)	)	PUNCT
gujaf-373	109	4	.	.	PUNCT
gujaf-373	110	1	table	table	NOUN
gujaf-373	110	2	5	5	NUM
gujaf-373	110	3	provides	provide	VERB
gujaf-373	110	4	empirical	empirical	ADJ
gujaf-373	110	5	support	support	NOUN
gujaf-373	110	6	for	for	ADP
gujaf-373	110	7	the	the	DET
gujaf-373	110	8	first	first	ADJ
gujaf-373	110	9	two	two	NUM
gujaf-373	110	10	hypotheses	hypothesis	NOUN
gujaf-373	110	11	.	.	PUNCT
gujaf-373	111	1	equation	equation	NOUN
gujaf-373	111	2	(	(	PUNCT
gujaf-373	111	3	1	1	X
gujaf-373	111	4	)	)	PUNCT
gujaf-373	111	5	shows	show	VERB
gujaf-373	111	6	that	that	SCONJ
gujaf-373	111	7	microfinance	microfinance	NOUN
gujaf-373	111	8	access	access	NOUN
gujaf-373	111	9	significantly	significantly	ADV
gujaf-373	111	10	enhances	enhance	VERB
gujaf-373	111	11	business	business	NOUN
gujaf-373	111	12	sustainability	sustainability	NOUN
gujaf-373	111	13	,	,	PUNCT
gujaf-373	111	14	suggesting	suggest	VERB
gujaf-373	111	15	that	that	SCONJ
gujaf-373	111	16	access	access	NOUN
gujaf-373	111	17	to	to	ADP
gujaf-373	111	18	credit	credit	NOUN
gujaf-373	111	19	,	,	PUNCT
gujaf-373	111	20	savings	saving	NOUN
gujaf-373	111	21	,	,	PUNCT
gujaf-373	111	22	and	and	CCONJ
gujaf-373	111	23	training	training	NOUN
gujaf-373	111	24	helps	help	VERB
gujaf-373	111	25	stabilize	stabilize	VERB
gujaf-373	111	26	profits	profit	NOUN
gujaf-373	111	27	and	and	CCONJ
gujaf-373	111	28	expand	expand	VERB
gujaf-373	111	29	operations	operation	NOUN
gujaf-373	111	30	.	.	PUNCT
gujaf-373	112	1	this	this	PRON
gujaf-373	112	2	aligns	align	VERB
gujaf-373	112	3	with	with	ADP
gujaf-373	112	4	empirical	empirical	ADJ
gujaf-373	112	5	findings	finding	NOUN
gujaf-373	112	6	by	by	ADP
gujaf-373	112	7	saad	saad	PROPN
gujaf-373	112	8	and	and	CCONJ
gujaf-373	112	9	anis	anis	PROPN
gujaf-373	112	10	(	(	PUNCT
gujaf-373	112	11	2021	2021	NUM
gujaf-373	112	12	)	)	PUNCT
gujaf-373	112	13	and	and	CCONJ
gujaf-373	112	14	kyalo	kyalo	NOUN
gujaf-373	112	15	and	and	CCONJ
gujaf-373	112	16	atieno	atieno	PROPN
gujaf-373	112	17	(	(	PUNCT
gujaf-373	112	18	2022	2022	NUM
gujaf-373	112	19	)	)	PUNCT
gujaf-373	112	20	,	,	PUNCT
gujaf-373	112	21	who	who	PRON
gujaf-373	112	22	found	find	VERB
gujaf-373	112	23	that	that	SCONJ
gujaf-373	112	24	financial	financial	ADJ
gujaf-373	112	25	services	service	NOUN
gujaf-373	112	26	increase	increase	VERB
gujaf-373	112	27	women	woman	NOUN
gujaf-373	112	28	's	's	PART
gujaf-373	112	29	control	control	NOUN
gujaf-373	112	30	over	over	ADP
gujaf-373	112	31	capital	capital	NOUN
gujaf-373	112	32	and	and	CCONJ
gujaf-373	112	33	resource	resource	NOUN
gujaf-373	112	34	planning	planning	NOUN
gujaf-373	112	35	.	.	PUNCT
gujaf-373	113	1	equation	equation	NOUN
gujaf-373	113	2	(	(	PUNCT
gujaf-373	113	3	2	2	X
gujaf-373	113	4	)	)	PUNCT
gujaf-373	113	5	establishes	establish	VERB
gujaf-373	113	6	that	that	SCONJ
gujaf-373	113	7	mf	mf	NOUN
gujaf-373	113	8	also	also	ADV
gujaf-373	113	9	has	have	VERB
gujaf-373	113	10	a	a	DET
gujaf-373	113	11	significant	significant	ADJ
gujaf-373	113	12	effect	effect	NOUN
gujaf-373	113	13	on	on	ADP
gujaf-373	113	14	financial	financial	ADJ
gujaf-373	113	15	literacy	literacy	NOUN
gujaf-373	113	16	,	,	PUNCT
gujaf-373	113	17	supporting	support	VERB
gujaf-373	113	18	the	the	DET
gujaf-373	113	19	theory	theory	NOUN
gujaf-373	113	20	that	that	SCONJ
gujaf-373	113	21	financial	financial	ADJ
gujaf-373	113	22	services	service	NOUN
gujaf-373	113	23	expose	expose	VERB
gujaf-373	113	24	entrepreneurs	entrepreneur	NOUN
gujaf-373	113	25	to	to	ADP
gujaf-373	113	26	financial	financial	ADJ
gujaf-373	113	27	knowledge	knowledge	NOUN
gujaf-373	113	28	through	through	ADP
gujaf-373	113	29	training	training	NOUN
gujaf-373	113	30	or	or	CCONJ
gujaf-373	113	31	transaction	transaction	NOUN
gujaf-373	113	32	experiences	experience	NOUN
gujaf-373	113	33	.	.	PUNCT
gujaf-373	114	1	equation	equation	NOUN
gujaf-373	114	2	(	(	PUNCT
gujaf-373	114	3	3	3	X
gujaf-373	114	4	)	)	PUNCT
gujaf-373	114	5	introduces	introduce	VERB
gujaf-373	114	6	the	the	DET
gujaf-373	114	7	mediating	mediate	VERB
gujaf-373	114	8	effect	effect	NOUN
gujaf-373	114	9	of	of	ADP
gujaf-373	114	10	financial	financial	ADJ
gujaf-373	114	11	literacy	literacy	NOUN
gujaf-373	114	12	,	,	PUNCT
gujaf-373	114	13	and	and	CCONJ
gujaf-373	114	14	the	the	DET
gujaf-373	114	15	results	result	NOUN
gujaf-373	114	16	affirm	affirm	VERB
gujaf-373	114	17	its	its	PRON
gujaf-373	114	18	critical	critical	ADJ
gujaf-373	114	19	role	role	NOUN
gujaf-373	114	20	.	.	PUNCT
gujaf-373	115	1	while	while	SCONJ
gujaf-373	115	2	the	the	DET
gujaf-373	115	3	direct	direct	ADJ
gujaf-373	115	4	effect	effect	NOUN
gujaf-373	115	5	of	of	ADP
gujaf-373	115	6	mf	mf	NOUN
gujaf-373	115	7	on	on	ADP
gujaf-373	115	8	bs	bs	PROPN
gujaf-373	115	9	remains	remain	VERB
gujaf-373	115	10	significant	significant	ADJ
gujaf-373	115	11	,	,	PUNCT
gujaf-373	115	12	the	the	DET
gujaf-373	115	13	addition	addition	NOUN
gujaf-373	115	14	of	of	ADP
gujaf-373	115	15	fl	fl	PRON
gujaf-373	115	16	significantly	significantly	ADV
gujaf-373	115	17	increases	increase	VERB
gujaf-373	115	18	the	the	DET
gujaf-373	115	19	explained	explain	VERB
gujaf-373	115	20	variance	variance	NOUN
gujaf-373	115	21	(	(	PUNCT
gujaf-373	115	22	r²	r²	NOUN
gujaf-373	115	23	=	=	NOUN
gujaf-373	115	24	0.247	0.247	NUM
gujaf-373	115	25	)	)	PUNCT
gujaf-373	115	26	.	.	PUNCT
gujaf-373	116	1	this	this	PRON
gujaf-373	116	2	demonstrates	demonstrate	VERB
gujaf-373	116	3	that	that	SCONJ
gujaf-373	116	4	financial	financial	ADJ
gujaf-373	116	5	literacy	literacy	NOUN
gujaf-373	116	6	partially	partially	ADV
gujaf-373	116	7	mediates	mediate	VERB
gujaf-373	116	8	the	the	DET
gujaf-373	116	9	microfinance	microfinance	NOUN
gujaf-373	116	10	–	–	PUNCT
gujaf-373	116	11	sustainability	sustainability	NOUN
gujaf-373	116	12	link	link	NOUN
gujaf-373	116	13	,	,	PUNCT
gujaf-373	116	14	supporting	support	VERB
gujaf-373	116	15	h3	h3	NOUN
gujaf-373	116	16	.	.	PUNCT
gujaf-373	117	1	these	these	DET
gujaf-373	117	2	findings	finding	NOUN
gujaf-373	117	3	resonate	resonate	VERB
gujaf-373	117	4	with	with	ADP
gujaf-373	117	5	the	the	DET
gujaf-373	117	6	theoretical	theoretical	ADJ
gujaf-373	117	7	framework	framework	NOUN
gujaf-373	117	8	proposed	propose	VERB
gujaf-373	117	9	by	by	ADP
gujaf-373	117	10	lusardi	lusardi	PROPN
gujaf-373	117	11	and	and	CCONJ
gujaf-373	117	12	mitchell	mitchell	PROPN
gujaf-373	117	13	(	(	PUNCT
gujaf-373	117	14	2020	2020	NUM
gujaf-373	117	15	)	)	PUNCT
gujaf-373	117	16	,	,	PUNCT
gujaf-373	117	17	where	where	SCONJ
gujaf-373	117	18	financial	financial	ADJ
gujaf-373	117	19	knowledge	knowledge	NOUN
gujaf-373	117	20	enhances	enhance	VERB
gujaf-373	117	21	decision	decision	NOUN
gujaf-373	117	22	-	-	PUNCT
gujaf-373	117	23	making	making	NOUN
gujaf-373	117	24	,	,	PUNCT
gujaf-373	117	25	budgeting	budgeting	NOUN
gujaf-373	117	26	,	,	PUNCT
gujaf-373	117	27	and	and	CCONJ
gujaf-373	117	28	reinvestment	reinvestment	NOUN
gujaf-373	117	29	.	.	PUNCT
gujaf-373	118	1	the	the	DET
gujaf-373	118	2	stronger	strong	ADJ
gujaf-373	118	3	coefficient	coefficient	NOUN
gujaf-373	118	4	for	for	ADP
gujaf-373	118	5	fl	fl	NUM
gujaf-373	118	6	underscores	underscore	VERB
gujaf-373	118	7	its	its	PRON
gujaf-373	118	8	centrality	centrality	NOUN
gujaf-373	118	9	in	in	ADP
gujaf-373	118	10	translating	translate	VERB
gujaf-373	118	11	financial	financial	ADJ
gujaf-373	118	12	access	access	NOUN
gujaf-373	118	13	into	into	ADP
gujaf-373	118	14	sustainable	sustainable	ADJ
gujaf-373	118	15	outcomes	outcome	NOUN
gujaf-373	118	16	.	.	PUNCT
gujaf-373	119	1	the	the	DET
gujaf-373	119	2	robustness	robustness	NOUN
gujaf-373	119	3	model	model	NOUN
gujaf-373	119	4	in	in	ADP
gujaf-373	119	5	table	table	NOUN
gujaf-373	119	6	6	6	NUM
gujaf-373	119	7	introduces	introduce	NOUN
gujaf-373	119	8	controls	control	NOUN
gujaf-373	119	9	for	for	ADP
gujaf-373	119	10	demographic	demographic	ADJ
gujaf-373	119	11	and	and	CCONJ
gujaf-373	119	12	business	business	NOUN
gujaf-373	119	13	characteristics	characteristic	NOUN
gujaf-373	119	14	.	.	PUNCT
gujaf-373	120	1	financial	financial	ADJ
gujaf-373	120	2	literacy	literacy	NOUN
gujaf-373	120	3	remains	remain	VERB
gujaf-373	120	4	strongly	strongly	ADV
gujaf-373	120	5	significant	significant	ADJ
gujaf-373	120	6	,	,	PUNCT
gujaf-373	120	7	while	while	SCONJ
gujaf-373	120	8	mf	mf	NOUN
gujaf-373	120	9	also	also	ADV
gujaf-373	120	10	retains	retain	VERB
gujaf-373	120	11	its	its	PRON
gujaf-373	120	12	effect	effect	NOUN
gujaf-373	120	13	,	,	PUNCT
gujaf-373	120	14	affirming	affirm	VERB
gujaf-373	120	15	the	the	DET
gujaf-373	120	16	structural	structural	ADJ
gujaf-373	120	17	integrity	integrity	NOUN
gujaf-373	120	18	of	of	ADP
gujaf-373	120	19	the	the	DET
gujaf-373	120	20	mediation	mediation	NOUN
gujaf-373	120	21	model	model	NOUN
gujaf-373	120	22	.	.	PUNCT
gujaf-373	121	1	interestingly	interestingly	ADV
gujaf-373	121	2	,	,	PUNCT
gujaf-373	121	3	business	business	NOUN
gujaf-373	121	4	age	age	NOUN
gujaf-373	121	5	exerts	exert	VERB
gujaf-373	121	6	a	a	DET
gujaf-373	121	7	small	small	ADJ
gujaf-373	121	8	but	but	CCONJ
gujaf-373	121	9	significant	significant	ADJ
gujaf-373	121	10	negative	negative	ADJ
gujaf-373	121	11	effect	effect	NOUN
gujaf-373	121	12	,	,	PUNCT
gujaf-373	121	13	possibly	possibly	ADV
gujaf-373	121	14	reflecting	reflect	VERB
gujaf-373	121	15	lifecycle	lifecycle	NOUN
gujaf-373	121	16	dynamics	dynamic	NOUN
gujaf-373	121	17	where	where	SCONJ
gujaf-373	121	18	older	old	ADJ
gujaf-373	121	19	firms	firm	NOUN
gujaf-373	121	20	may	may	AUX
gujaf-373	121	21	face	face	VERB
gujaf-373	121	22	technological	technological	ADJ
gujaf-373	121	23	obsolescence	obsolescence	NOUN
gujaf-373	121	24	or	or	CCONJ
gujaf-373	121	25	market	market	NOUN
gujaf-373	121	26	rigidity	rigidity	NOUN
gujaf-373	121	27	.	.	PUNCT
gujaf-373	122	1	education	education	NOUN
gujaf-373	122	2	and	and	CCONJ
gujaf-373	122	3	urban	urban	ADJ
gujaf-373	122	4	location	location	NOUN
gujaf-373	122	5	both	both	PRON
gujaf-373	122	6	show	show	VERB
gujaf-373	122	7	positive	positive	ADJ
gujaf-373	122	8	effects	effect	NOUN
gujaf-373	122	9	,	,	PUNCT
gujaf-373	122	10	reinforcing	reinforce	VERB
gujaf-373	122	11	previous	previous	ADJ
gujaf-373	122	12	findings	finding	NOUN
gujaf-373	122	13	by	by	ADP
gujaf-373	122	14	afolabi	afolabi	NOUN
gujaf-373	122	15	et	et	PROPN
gujaf-373	122	16	al	al	PROPN
gujaf-373	122	17	.	.	PROPN
gujaf-373	123	1	(	(	PUNCT
gujaf-373	123	2	2023	2023	NUM
gujaf-373	123	3	)	)	PUNCT
gujaf-373	124	1	that	that	SCONJ
gujaf-373	124	2	human	human	ADJ
gujaf-373	124	3	capital	capital	NOUN
gujaf-373	124	4	and	and	CCONJ
gujaf-373	124	5	infrastructure	infrastructure	NOUN
gujaf-373	124	6	facilitate	facilitate	NOUN
gujaf-373	124	7	entrepreneurial	entrepreneurial	ADJ
gujaf-373	124	8	resilience	resilience	NOUN
gujaf-373	124	9	.	.	PUNCT
gujaf-373	125	1	the	the	DET
gujaf-373	125	2	bootstrapped	bootstrappe	VERB
gujaf-373	125	3	mediation	mediation	NOUN
gujaf-373	125	4	analysis	analysis	NOUN
gujaf-373	125	5	(	(	PUNCT
gujaf-373	125	6	table	table	NOUN
gujaf-373	125	7	7	7	NUM
gujaf-373	125	8	)	)	PUNCT
gujaf-373	125	9	provides	provide	VERB
gujaf-373	125	10	statistical	statistical	ADJ
gujaf-373	125	11	validation	validation	NOUN
gujaf-373	125	12	for	for	ADP
gujaf-373	125	13	the	the	DET
gujaf-373	125	14	indirect	indirect	ADJ
gujaf-373	125	15	effect	effect	NOUN
gujaf-373	125	16	of	of	ADP
gujaf-373	125	17	microfinance	microfinance	NOUN
gujaf-373	125	18	via	via	ADP
gujaf-373	125	19	financial	financial	ADJ
gujaf-373	125	20	literacy	literacy	NOUN
gujaf-373	125	21	,	,	PUNCT
gujaf-373	125	22	with	with	ADP
gujaf-373	125	23	a	a	DET
gujaf-373	125	24	narrow	narrow	ADJ
gujaf-373	125	25	95	95	NUM
gujaf-373	125	26	%	%	NOUN
gujaf-373	125	27	confidence	confidence	NOUN
gujaf-373	125	28	interval	interval	NOUN
gujaf-373	125	29	.	.	PUNCT
gujaf-373	126	1	the	the	DET
gujaf-373	126	2	sobel	sobel	PROPN
gujaf-373	126	3	test	test	NOUN
gujaf-373	126	4	further	far	ADV
gujaf-373	126	5	confirms	confirm	VERB
gujaf-373	126	6	the	the	DET
gujaf-373	126	7	significance	significance	NOUN
gujaf-373	126	8	of	of	ADP
gujaf-373	126	9	the	the	DET
gujaf-373	126	10	mediation	mediation	NOUN
gujaf-373	126	11	.	.	PUNCT
gujaf-373	127	1	these	these	DET
gujaf-373	127	2	results	result	NOUN
gujaf-373	127	3	suggest	suggest	VERB
gujaf-373	127	4	that	that	SCONJ
gujaf-373	127	5	policies	policy	NOUN
gujaf-373	127	6	aiming	aim	VERB
gujaf-373	127	7	to	to	PART
gujaf-373	127	8	boost	boost	VERB
gujaf-373	127	9	business	business	NOUN
gujaf-373	127	10	sustainability	sustainability	NOUN
gujaf-373	127	11	should	should	AUX
gujaf-373	127	12	consider	consider	VERB
gujaf-373	127	13	not	not	PART
gujaf-373	127	14	only	only	ADV
gujaf-373	127	15	expanding	expand	VERB
gujaf-373	127	16	microfinance	microfinance	NOUN
gujaf-373	127	17	access	access	NOUN
gujaf-373	127	18	but	but	CCONJ
gujaf-373	127	19	also	also	ADV
gujaf-373	127	20	gusau	gusau	ADJ
gujaf-373	127	21	journal	journal	NOUN
gujaf-373	127	22	of	of	ADP
gujaf-373	127	23	accounting	accounting	NOUN
gujaf-373	127	24	and	and	CCONJ
gujaf-373	127	25	finance	finance	NOUN
gujaf-373	127	26	,	,	PUNCT
gujaf-373	127	27	vol.6	vol.6	PROPN
gujaf-373	127	28	,	,	PUNCT
gujaf-373	127	29	issue	issue	NOUN
gujaf-373	127	30	1	1	NUM
gujaf-373	127	31	,	,	PUNCT
gujaf-373	127	32	april	april	PROPN
gujaf-373	127	33	,	,	PUNCT
gujaf-373	127	34	2025	2025	NUM
gujaf-373	127	35	129	129	NUM
gujaf-373	127	36	embedding	embed	VERB
gujaf-373	127	37	financial	financial	ADJ
gujaf-373	127	38	literacy	literacy	NOUN
gujaf-373	127	39	programs	program	NOUN
gujaf-373	127	40	.	.	PUNCT
gujaf-373	128	1	these	these	DET
gujaf-373	128	2	findings	finding	NOUN
gujaf-373	128	3	echo	echo	VERB
gujaf-373	128	4	policy	policy	NOUN
gujaf-373	128	5	recommendations	recommendation	NOUN
gujaf-373	128	6	by	by	ADP
gujaf-373	128	7	the	the	DET
gujaf-373	128	8	world	world	PROPN
gujaf-373	128	9	bank	bank	PROPN
gujaf-373	128	10	(	(	PUNCT
gujaf-373	128	11	2023	2023	NUM
gujaf-373	128	12	)	)	PUNCT
gujaf-373	128	13	and	and	CCONJ
gujaf-373	128	14	empirical	empirical	ADJ
gujaf-373	128	15	evidence	evidence	NOUN
gujaf-373	128	16	from	from	ADP
gujaf-373	128	17	mkpado	mkpado	NOUN
gujaf-373	128	18	and	and	CCONJ
gujaf-373	128	19	arene	arene	NOUN
gujaf-373	128	20	(	(	PUNCT
gujaf-373	128	21	2021	2021	NUM
gujaf-373	128	22	)	)	PUNCT
gujaf-373	128	23	,	,	PUNCT
gujaf-373	128	24	who	who	PRON
gujaf-373	128	25	argue	argue	VERB
gujaf-373	128	26	that	that	SCONJ
gujaf-373	128	27	credit	credit	NOUN
gujaf-373	128	28	alone	alone	ADV
gujaf-373	128	29	is	be	AUX
gujaf-373	128	30	insufficient	insufficient	ADJ
gujaf-373	128	31	without	without	ADP
gujaf-373	128	32	knowledge	knowledge	NOUN
gujaf-373	128	33	to	to	PART
gujaf-373	128	34	manage	manage	VERB
gujaf-373	128	35	it	it	PRON
gujaf-373	128	36	effectively	effectively	ADV
gujaf-373	128	37	.	.	PUNCT
gujaf-373	129	1	finally	finally	ADV
gujaf-373	129	2	,	,	PUNCT
gujaf-373	129	3	the	the	DET
gujaf-373	129	4	post	post	NOUN
gujaf-373	129	5	-	-	ADJ
gujaf-373	129	6	estimation	estimation	ADJ
gujaf-373	129	7	and	and	CCONJ
gujaf-373	129	8	sensitivity	sensitivity	NOUN
gujaf-373	129	9	checks	check	NOUN
gujaf-373	129	10	(	(	PUNCT
gujaf-373	129	11	table	table	NOUN
gujaf-373	129	12	8)	8)	NUM
gujaf-373	129	13	strengthen	strengthen	VERB
gujaf-373	129	14	the	the	DET
gujaf-373	129	15	external	external	ADJ
gujaf-373	129	16	validity	validity	NOUN
gujaf-373	129	17	of	of	ADP
gujaf-373	129	18	the	the	DET
gujaf-373	129	19	findings	finding	NOUN
gujaf-373	129	20	.	.	PUNCT
gujaf-373	130	1	sem	sem	PROPN
gujaf-373	130	2	fit	fit	ADJ
gujaf-373	130	3	indices	index	NOUN
gujaf-373	130	4	(	(	PUNCT
gujaf-373	130	5	rmsea	rmsea	NOUN
gujaf-373	130	6	=	=	SYM
gujaf-373	130	7	0.041	0.041	NUM
gujaf-373	130	8	,	,	PUNCT
gujaf-373	130	9	cfi	cfi	X
gujaf-373	130	10	=	=	NOUN
gujaf-373	130	11	0.981	0.981	NUM
gujaf-373	130	12	,	,	PUNCT
gujaf-373	130	13	tli	tli	X
gujaf-373	130	14	=	=	SYM
gujaf-373	130	15	0.965	0.965	NUM
gujaf-373	130	16	)	)	PUNCT
gujaf-373	130	17	indicate	indicate	VERB
gujaf-373	130	18	an	an	DET
gujaf-373	130	19	excellent	excellent	ADJ
gujaf-373	130	20	model	model	NOUN
gujaf-373	130	21	fit	fit	NOUN
gujaf-373	130	22	,	,	PUNCT
gujaf-373	130	23	supporting	support	VERB
gujaf-373	130	24	the	the	DET
gujaf-373	130	25	causal	causal	ADJ
gujaf-373	130	26	pathways	pathway	NOUN
gujaf-373	130	27	proposed	propose	VERB
gujaf-373	130	28	.	.	PUNCT
gujaf-373	131	1	subsample	subsample	ADJ
gujaf-373	131	2	analyses	analysis	NOUN
gujaf-373	131	3	reveal	reveal	VERB
gujaf-373	131	4	that	that	SCONJ
gujaf-373	131	5	the	the	DET
gujaf-373	131	6	mediation	mediation	NOUN
gujaf-373	131	7	effect	effect	NOUN
gujaf-373	131	8	is	be	AUX
gujaf-373	131	9	robust	robust	ADJ
gujaf-373	131	10	in	in	ADP
gujaf-373	131	11	both	both	CCONJ
gujaf-373	131	12	urban	urban	ADJ
gujaf-373	131	13	(	(	PUNCT
gujaf-373	131	14	β	β	X
gujaf-373	131	15	=	=	NUM
gujaf-373	131	16	1.326	1.326	NUM
gujaf-373	131	17	)	)	PUNCT
gujaf-373	131	18	and	and	CCONJ
gujaf-373	131	19	rural	rural	ADJ
gujaf-373	131	20	(	(	PUNCT
gujaf-373	131	21	β	β	X
gujaf-373	131	22	=	=	SYM
gujaf-373	131	23	1.189	1.189	NUM
gujaf-373	131	24	)	)	PUNCT
gujaf-373	131	25	contexts	context	NOUN
gujaf-373	131	26	,	,	PUNCT
gujaf-373	131	27	though	though	SCONJ
gujaf-373	131	28	slightly	slightly	ADV
gujaf-373	131	29	weaker	weak	ADJ
gujaf-373	131	30	in	in	ADP
gujaf-373	131	31	rural	rural	ADJ
gujaf-373	131	32	areas	area	NOUN
gujaf-373	131	33	,	,	PUNCT
gujaf-373	131	34	possibly	possibly	ADV
gujaf-373	131	35	due	due	ADP
gujaf-373	131	36	to	to	ADP
gujaf-373	131	37	infrastructural	infrastructural	ADJ
gujaf-373	131	38	deficits	deficit	NOUN
gujaf-373	131	39	or	or	CCONJ
gujaf-373	131	40	limited	limited	ADJ
gujaf-373	131	41	market	market	NOUN
gujaf-373	131	42	access	access	NOUN
gujaf-373	131	43	.	.	PUNCT
gujaf-373	132	1	importantly	importantly	ADV
gujaf-373	132	2	,	,	PUNCT
gujaf-373	132	3	altering	alter	VERB
gujaf-373	132	4	the	the	DET
gujaf-373	132	5	financial	financial	ADJ
gujaf-373	132	6	literacy	literacy	NOUN
gujaf-373	132	7	measurement	measurement	NOUN
gujaf-373	132	8	scale	scale	NOUN
gujaf-373	132	9	did	do	AUX
gujaf-373	132	10	not	not	PART
gujaf-373	132	11	significantly	significantly	ADV
gujaf-373	132	12	alter	alter	VERB
gujaf-373	132	13	the	the	DET
gujaf-373	132	14	findings	finding	NOUN
gujaf-373	132	15	,	,	PUNCT
gujaf-373	132	16	confirming	confirm	VERB
gujaf-373	132	17	construct	construct	NOUN
gujaf-373	132	18	reliability	reliability	NOUN
gujaf-373	132	19	and	and	CCONJ
gujaf-373	132	20	demonstrating	demonstrate	VERB
gujaf-373	132	21	the	the	DET
gujaf-373	132	22	robustness	robustness	NOUN
gujaf-373	132	23	of	of	ADP
gujaf-373	132	24	the	the	DET
gujaf-373	132	25	conceptual	conceptual	ADJ
gujaf-373	132	26	model	model	NOUN
gujaf-373	132	27	.	.	PUNCT
gujaf-373	133	1	the	the	DET
gujaf-373	133	2	post	post	ADJ
gujaf-373	133	3	-	-	ADJ
gujaf-373	133	4	estimation	estimation	ADJ
gujaf-373	133	5	visualizations	visualization	NOUN
gujaf-373	133	6	provide	provide	VERB
gujaf-373	133	7	compelling	compelling	ADJ
gujaf-373	133	8	visual	visual	ADJ
gujaf-373	133	9	evidence	evidence	NOUN
gujaf-373	133	10	supporting	support	VERB
gujaf-373	133	11	the	the	DET
gujaf-373	133	12	mediating	mediate	VERB
gujaf-373	133	13	role	role	NOUN
gujaf-373	133	14	of	of	ADP
gujaf-373	133	15	financial	financial	ADJ
gujaf-373	133	16	literacy	literacy	NOUN
gujaf-373	133	17	in	in	ADP
gujaf-373	133	18	the	the	DET
gujaf-373	133	19	relationship	relationship	NOUN
gujaf-373	133	20	between	between	ADP
gujaf-373	133	21	microfinance	microfinance	NOUN
gujaf-373	133	22	access	access	NOUN
gujaf-373	133	23	and	and	CCONJ
gujaf-373	133	24	business	business	NOUN
gujaf-373	133	25	sustainability	sustainability	NOUN
gujaf-373	133	26	.	.	PUNCT
gujaf-373	134	1	figure	figure	NOUN
gujaf-373	134	2	1	1	NUM
gujaf-373	134	3	illustrates	illustrate	VERB
gujaf-373	134	4	the	the	DET
gujaf-373	134	5	decomposition	decomposition	NOUN
gujaf-373	134	6	of	of	ADP
gujaf-373	134	7	effects	effect	NOUN
gujaf-373	134	8	,	,	PUNCT
gujaf-373	134	9	showing	show	VERB
gujaf-373	134	10	a	a	DET
gujaf-373	134	11	significant	significant	ADJ
gujaf-373	134	12	total	total	ADJ
gujaf-373	134	13	effect	effect	NOUN
gujaf-373	134	14	that	that	PRON
gujaf-373	134	15	splits	split	VERB
gujaf-373	134	16	into	into	ADP
gujaf-373	134	17	a	a	DET
gujaf-373	134	18	direct	direct	ADJ
gujaf-373	134	19	and	and	CCONJ
gujaf-373	134	20	indirect	indirect	ADJ
gujaf-373	134	21	path	path	NOUN
gujaf-373	134	22	via	via	ADP
gujaf-373	134	23	financial	financial	ADJ
gujaf-373	134	24	literacy	literacy	NOUN
gujaf-373	134	25	.	.	PUNCT
gujaf-373	135	1	figure	figure	NOUN
gujaf-373	135	2	2	2	NUM
gujaf-373	135	3	further	far	ADV
gujaf-373	135	4	confirms	confirm	VERB
gujaf-373	135	5	these	these	DET
gujaf-373	135	6	relationships	relationship	NOUN
gujaf-373	135	7	through	through	ADP
gujaf-373	135	8	bootstrapped	bootstrappe	VERB
gujaf-373	135	9	confidence	confidence	NOUN
gujaf-373	135	10	intervals	interval	NOUN
gujaf-373	135	11	,	,	PUNCT
gujaf-373	135	12	all	all	PRON
gujaf-373	135	13	statistically	statistically	ADV
gujaf-373	135	14	significant	significant	ADJ
gujaf-373	135	15	at	at	ADP
gujaf-373	135	16	the	the	DET
gujaf-373	135	17	95	95	NUM
gujaf-373	135	18	%	%	NOUN
gujaf-373	135	19	level	level	NOUN
gujaf-373	135	20	.	.	PUNCT
gujaf-373	136	1	figure	figure	NOUN
gujaf-373	136	2	3	3	NUM
gujaf-373	136	3	compares	compare	VERB
gujaf-373	136	4	indirect	indirect	ADJ
gujaf-373	136	5	effects	effect	NOUN
gujaf-373	136	6	across	across	ADP
gujaf-373	136	7	subsamples	subsample	NOUN
gujaf-373	136	8	,	,	PUNCT
gujaf-373	136	9	demonstrating	demonstrate	VERB
gujaf-373	136	10	consistent	consistent	ADJ
gujaf-373	136	11	mediation	mediation	NOUN
gujaf-373	136	12	across	across	ADP
gujaf-373	136	13	urban	urban	ADJ
gujaf-373	136	14	and	and	CCONJ
gujaf-373	136	15	rural	rural	ADJ
gujaf-373	136	16	contexts	contexts	NOUN
gujaf-373	136	17	.	.	PUNCT
gujaf-373	137	1	finally	finally	ADV
gujaf-373	137	2	,	,	PUNCT
gujaf-373	137	3	figure	figure	VERB
gujaf-373	137	4	4	4	NUM
gujaf-373	137	5	validates	validate	VERB
gujaf-373	137	6	the	the	DET
gujaf-373	137	7	structural	structural	ADJ
gujaf-373	137	8	model	model	NOUN
gujaf-373	137	9	with	with	ADP
gujaf-373	137	10	strong	strong	ADJ
gujaf-373	137	11	sem	sem	ADJ
gujaf-373	137	12	fit	fit	ADJ
gujaf-373	137	13	indices	index	NOUN
gujaf-373	137	14	(	(	PUNCT
gujaf-373	137	15	rmsea	rmsea	NOUN
gujaf-373	137	16	,	,	PUNCT
gujaf-373	137	17	cfi	cfi	NOUN
gujaf-373	137	18	,	,	PUNCT
gujaf-373	137	19	and	and	CCONJ
gujaf-373	137	20	tli	tli	PROPN
gujaf-373	137	21	)	)	PUNCT
gujaf-373	137	22	,	,	PUNCT
gujaf-373	137	23	reinforcing	reinforce	VERB
gujaf-373	137	24	the	the	DET
gujaf-373	137	25	robustness	robustness	NOUN
gujaf-373	137	26	of	of	ADP
gujaf-373	137	27	the	the	DET
gujaf-373	137	28	findings	finding	NOUN
gujaf-373	137	29	.	.	PUNCT
gujaf-373	138	1	table	table	NOUN
gujaf-373	138	2	2	2	NUM
gujaf-373	138	3	:	:	PUNCT
gujaf-373	138	4	summary	summary	NOUN
gujaf-373	138	5	statistics	statistic	NOUN
gujaf-373	138	6	variable	variable	ADJ
gujaf-373	138	7	mean	mean	VERB
gujaf-373	138	8	std	std	PROPN
gujaf-373	138	9	.	.	PROPN
gujaf-373	139	1	dev	dev	PROPN
gujaf-373	139	2	.	.	PUNCT
gujaf-373	140	1	min	min	PROPN
gujaf-373	140	2	25	25	NUM
gujaf-373	140	3	%	%	NOUN
gujaf-373	140	4	50	50	NUM
gujaf-373	140	5	%	%	NOUN
gujaf-373	140	6	75	75	NUM
gujaf-373	140	7	%	%	NOUN
gujaf-373	140	8	max	max	NOUN
gujaf-373	140	9	bs	bs	PROPN
gujaf-373	140	10	76.785	76.785	NUM
gujaf-373	140	11	6.099	6.099	NUM
gujaf-373	140	12	57.795	57.795	NUM
gujaf-373	140	13	72.833	72.833	NUM
gujaf-373	140	14	76.907	76.907	NUM
gujaf-373	140	15	81.024	81.024	NUM
gujaf-373	140	16	98.930	98.930	NUM
gujaf-373	140	17	mf	mf	VERB
gujaf-373	140	18	0.497	0.497	NUM
gujaf-373	140	19	0.500	0.500	NUM
gujaf-373	140	20	0.000	0.000	NUM
gujaf-373	140	21	0.000	0.000	NUM
gujaf-373	140	22	0.000	0.000	NUM
gujaf-373	140	23	1.000	1.000	NUM
gujaf-373	140	24	1.000	1.000	NUM
gujaf-373	140	25	fl	fl	NUM
gujaf-373	140	26	5.822	5.822	NUM
gujaf-373	140	27	1.481	1.481	NUM
gujaf-373	140	28	1.855	1.855	NUM
gujaf-373	140	29	4.804	4.804	NUM
gujaf-373	140	30	5.836	5.836	NUM
gujaf-373	140	31	6.814	6.814	NUM
gujaf-373	140	32	10.218	10.218	NUM
gujaf-373	140	33	age	age	NOUN
gujaf-373	140	34	10.167	10.167	NUM
gujaf-373	140	35	5.760	5.760	NUM
gujaf-373	140	36	1.000	1.000	NUM
gujaf-373	140	37	5.000	5.000	NUM
gujaf-373	140	38	10.000	10.000	NUM
gujaf-373	140	39	15.000	15.000	NUM
gujaf-373	140	40	20.000	20.000	NUM
gujaf-373	140	41	edu	edu	PROPN
gujaf-373	140	42	1.473	1.473	NUM
gujaf-373	140	43	0.500	0.500	NUM
gujaf-373	140	44	1.000	1.000	NUM
gujaf-373	140	45	1.000	1.000	NUM
gujaf-373	140	46	1.000	1.000	NUM
gujaf-373	140	47	2.000	2.000	NUM
gujaf-373	140	48	2.000	2.000	NUM
gujaf-373	140	49	loc	loc	NOUN
gujaf-373	140	50	0.505	0.505	NUM
gujaf-373	140	51	0.500	0.500	NUM
gujaf-373	140	52	0.000	0.000	NUM
gujaf-373	140	53	0.000	0.000	NUM
gujaf-373	140	54	1.000	1.000	NUM
gujaf-373	140	55	1.000	1.000	NUM
gujaf-373	140	56	1.000	1.000	NUM
gujaf-373	140	57	source	source	NOUN
gujaf-373	140	58	:	:	PUNCT
gujaf-373	140	59	author	author	NOUN
gujaf-373	140	60	(	(	PUNCT
gujaf-373	140	61	2025	2025	NUM
gujaf-373	140	62	)	)	PUNCT
gujaf-373	140	63	table	table	NOUN
gujaf-373	141	1	3	3	NUM
gujaf-373	141	2	:	:	PUNCT
gujaf-373	141	3	correlation	correlation	NOUN
gujaf-373	141	4	matrix	matrix	NOUN
gujaf-373	141	5	bs	bs	NOUN
gujaf-373	141	6	mf	mf	PUNCT
gujaf-373	141	7	fl	fl	PROPN
gujaf-373	141	8	age	age	NOUN
gujaf-373	141	9	edu	edu	PROPN
gujaf-373	141	10	loc	loc	PROPN
gujaf-373	141	11	bs	bs	PROPN
gujaf-373	141	12	1.000	1.000	NUM
gujaf-373	141	13	0.310	0.310	NUM
gujaf-373	141	14	0.470	0.470	NUM
gujaf-373	141	15	-0.182	-0.182	NOUN
gujaf-373	141	16	0.168	0.168	NUM
gujaf-373	141	17	0.077	0.077	NUM
gujaf-373	141	18	mf	mf	VERB
gujaf-373	141	19	0.310	0.310	NUM
gujaf-373	141	20	1.000	1.000	NUM
gujaf-373	141	21	0.077	0.077	NUM
gujaf-373	141	22	-0.000	-0.000	NUM
gujaf-373	141	23	-0.000	-0.000	NUM
gujaf-373	141	24	0.010	0.010	NUM
gujaf-373	141	25	fl	fl	NOUN
gujaf-373	141	26	0.470	0.470	NUM
gujaf-373	141	27	0.077	0.077	NUM
gujaf-373	141	28	1.000	1.000	NUM
gujaf-373	141	29	-0.043	-0.043	NOUN
gujaf-373	141	30	0.035	0.035	NUM
gujaf-373	141	31	0.005	0.005	NUM
gujaf-373	141	32	age	age	NOUN
gujaf-373	141	33	-0.182	-0.182	NOUN
gujaf-373	141	34	-0.000	-0.000	PUNCT
gujaf-373	141	35	-0.043	-0.043	NOUN
gujaf-373	141	36	1.000	1.000	NUM
gujaf-373	141	37	-0.014	-0.014	NOUN
gujaf-373	141	38	-0.032	-0.032	ADP
gujaf-373	141	39	edu	edu	PROPN
gujaf-373	141	40	0.168	0.168	NUM
gujaf-373	142	1	-0.000	-0.000	NUM
gujaf-373	142	2	0.035	0.035	NUM
gujaf-373	142	3	-0.014	-0.014	NOUN
gujaf-373	142	4	1.000	1.000	NUM
gujaf-373	142	5	0.004	0.004	NUM
gujaf-373	142	6	loc	loc	NOUN
gujaf-373	142	7	0.077	0.077	NUM
gujaf-373	142	8	0.010	0.010	NUM
gujaf-373	142	9	0.005	0.005	NUM
gujaf-373	142	10	-0.032	-0.032	ADP
gujaf-373	142	11	0.004	0.004	NUM
gujaf-373	142	12	1.000	1.000	NUM
gujaf-373	142	13	source	source	NOUN
gujaf-373	142	14	:	:	PUNCT
gujaf-373	142	15	author	author	NOUN
gujaf-373	142	16	(	(	PUNCT
gujaf-373	142	17	2025	2025	NUM
gujaf-373	142	18	)	)	PUNCT
gujaf-373	142	19	table	table	NOUN
gujaf-373	142	20	4	4	NUM
gujaf-373	142	21	:	:	PUNCT
gujaf-373	142	22	pre	pre	ADJ
gujaf-373	142	23	-	-	ADJ
gujaf-373	142	24	estimation	estimation	ADJ
gujaf-373	142	25	diagnostic	diagnostic	ADJ
gujaf-373	142	26	tests	test	NOUN
gujaf-373	142	27	test	test	VERB
gujaf-373	142	28	test	test	NOUN
gujaf-373	142	29	statistic	statistic	NOUN
gujaf-373	142	30	p	p	NOUN
gujaf-373	142	31	-	-	PUNCT
gujaf-373	142	32	value	value	NOUN
gujaf-373	142	33	variance	variance	NOUN
gujaf-373	142	34	inflation	inflation	NOUN
gujaf-373	142	35	factor	factor	NOUN
gujaf-373	142	36	(	(	PUNCT
gujaf-373	142	37	mean	mean	PROPN
gujaf-373	142	38	vif	vif	NOUN
gujaf-373	142	39	)	)	PUNCT
gujaf-373	142	40	1.874	1.874	NUM
gujaf-373	142	41	breusch	breusch	ADJ
gujaf-373	142	42	-	-	PUNCT
gujaf-373	142	43	pagan	pagan	ADJ
gujaf-373	142	44	test	test	NOUN
gujaf-373	142	45	(	(	PUNCT
gujaf-373	142	46	heteroscedasticity	heteroscedasticity	NOUN
gujaf-373	142	47	)	)	PUNCT
gujaf-373	142	48	2.981	2.981	NUM
gujaf-373	142	49	0.084	0.084	NUM
gujaf-373	142	50	durbin	durbin	ADJ
gujaf-373	142	51	-	-	PUNCT
gujaf-373	142	52	wu	wu	PROPN
gujaf-373	142	53	-	-	PUNCT
gujaf-373	142	54	hausman	hausman	PROPN
gujaf-373	142	55	test	test	NOUN
gujaf-373	142	56	(	(	PUNCT
gujaf-373	142	57	endogeneity	endogeneity	NOUN
gujaf-373	142	58	)	)	PUNCT
gujaf-373	142	59	1.426	1.426	NUM
gujaf-373	142	60	0.232	0.232	NUM
gujaf-373	142	61	cronbach	cronbach	NOUN
gujaf-373	142	62	's	's	PART
gujaf-373	142	63	alpha	alpha	NOUN
gujaf-373	142	64	(	(	PUNCT
gujaf-373	142	65	all	all	DET
gujaf-373	142	66	scales	scale	NOUN
gujaf-373	142	67	)	)	PUNCT
gujaf-373	142	68	≥	≥	NOUN
gujaf-373	142	69	0.802	0.802	NUM
gujaf-373	142	70	gusau	gusau	ADJ
gujaf-373	142	71	journal	journal	NOUN
gujaf-373	142	72	of	of	ADP
gujaf-373	142	73	accounting	accounting	NOUN
gujaf-373	142	74	and	and	CCONJ
gujaf-373	142	75	finance	finance	NOUN
gujaf-373	142	76	,	,	PUNCT
gujaf-373	142	77	vol.6	vol.6	PROPN
gujaf-373	142	78	,	,	PUNCT
gujaf-373	142	79	issue	issue	NOUN
gujaf-373	142	80	1	1	NUM
gujaf-373	142	81	,	,	PUNCT
gujaf-373	142	82	april	april	PROPN
gujaf-373	142	83	,	,	PUNCT
gujaf-373	142	84	2025	2025	NUM
gujaf-373	142	85	130	130	NUM
gujaf-373	142	86	source	source	NOUN
gujaf-373	142	87	:	:	PUNCT
gujaf-373	142	88	author	author	NOUN
gujaf-373	142	89	(	(	PUNCT
gujaf-373	142	90	2025	2025	NUM
gujaf-373	142	91	)	)	PUNCT
gujaf-373	142	92	table	table	NOUN
gujaf-373	142	93	5	5	NUM
gujaf-373	142	94	:	:	PUNCT
gujaf-373	142	95	ols	ol	NOUN
gujaf-373	142	96	mediation	mediation	NOUN
gujaf-373	142	97	model	model	NOUN
gujaf-373	142	98	estimation	estimation	NOUN
gujaf-373	142	99	variable	variable	ADJ
gujaf-373	142	100	coefficient	coefficient	NOUN
gujaf-373	142	101	std	std	PROPN
gujaf-373	142	102	.	.	NOUN
gujaf-373	142	103	error	error	NOUN
gujaf-373	142	104	t	t	NOUN
gujaf-373	142	105	-	-	PUNCT
gujaf-373	142	106	statistic	statistic	NOUN
gujaf-373	142	107	p	p	ADJ
gujaf-373	142	108	-	-	PUNCT
gujaf-373	142	109	value	value	NOUN
gujaf-373	142	110	equation	equation	NOUN
gujaf-373	142	111	(	(	PUNCT
gujaf-373	142	112	1	1	NUM
gujaf-373	142	113	):	):	PUNCT
gujaf-373	142	114	total	total	ADJ
gujaf-373	142	115	effect	effect	NOUN
gujaf-373	142	116	of	of	ADP
gujaf-373	142	117	microfinance	microfinance	NOUN
gujaf-373	142	118	access	access	NOUN
gujaf-373	142	119	on	on	ADP
gujaf-373	142	120	business	business	NOUN
gujaf-373	142	121	sustainability	sustainability	NOUN
gujaf-373	142	122	constant	constant	ADJ
gujaf-373	142	123	71.028	71.028	NUM
gujaf-373	142	124	1.120	1.120	NUM
gujaf-373	142	125	63.490	63.490	NUM
gujaf-373	142	126	0.000	0.000	NUM
gujaf-373	142	127	mf	mf	VERB
gujaf-373	142	128	5.326	5.326	NUM
gujaf-373	142	129	0.691	0.691	NUM
gujaf-373	142	130	7.707	7.707	NUM
gujaf-373	142	131	0.000	0.000	NUM
gujaf-373	142	132	𝑅	𝑅	PROPN
gujaf-373	142	133	0.096	0.096	NUM
gujaf-373	142	134	equation	equation	NOUN
gujaf-373	142	135	(	(	PUNCT
gujaf-373	142	136	2	2	NUM
gujaf-373	142	137	):	):	PUNCT
gujaf-373	142	138	effect	effect	NOUN
gujaf-373	142	139	of	of	ADP
gujaf-373	142	140	microfinance	microfinance	NOUN
gujaf-373	142	141	access	access	NOUN
gujaf-373	142	142	on	on	ADP
gujaf-373	142	143	financial	financial	ADJ
gujaf-373	142	144	literacy	literacy	NOUN
gujaf-373	142	145	constant	constant	ADJ
gujaf-373	142	146	5.564	5.564	NUM
gujaf-373	142	147	0.177	0.177	NUM
gujaf-373	142	148	31.422	31.422	NUM
gujaf-373	142	149	0.000	0.000	NUM
gujaf-373	142	150	mf	mf	VERB
gujaf-373	142	151	0.517	0.517	NUM
gujaf-373	142	152	0.109	0.109	NUM
gujaf-373	142	153	4.743	4.743	NUM
gujaf-373	142	154	0.000	0.000	NUM
gujaf-373	142	155	𝑅	𝑅	PROPN
gujaf-373	142	156	0.038	0.038	NUM
gujaf-373	142	157	equation	equation	NOUN
gujaf-373	142	158	(	(	PUNCT
gujaf-373	142	159	3	3	NUM
gujaf-373	142	160	):	):	PUNCT
gujaf-373	142	161	direct	direct	ADJ
gujaf-373	142	162	and	and	CCONJ
gujaf-373	142	163	indirect	indirect	ADJ
gujaf-373	142	164	effects	effect	NOUN
gujaf-373	142	165	with	with	ADP
gujaf-373	142	166	mediator	mediator	NOUN
gujaf-373	142	167	constant	constant	ADJ
gujaf-373	142	168	68.219	68.219	NUM
gujaf-373	142	169	1.110	1.110	NUM
gujaf-373	142	170	61.453	61.453	NUM
gujaf-373	142	171	0.000	0.000	NUM
gujaf-373	142	172	mf	mf	VERB
gujaf-373	142	173	2.879	2.879	NUM
gujaf-373	142	174	0.718	0.718	NUM
gujaf-373	142	175	4.010	4.010	NUM
gujaf-373	142	176	0.000	0.000	NUM
gujaf-373	142	177	fl	fl	ADP
gujaf-373	142	178	2.537	2.537	NUM
gujaf-373	142	179	0.312	0.312	NUM
gujaf-373	142	180	8.130	8.130	NUM
gujaf-373	142	181	0.000	0.000	NUM
gujaf-373	142	182	𝑅	𝑅	PROPN
gujaf-373	142	183	0.247	0.247	NUM
gujaf-373	142	184	source	source	NOUN
gujaf-373	142	185	:	:	PUNCT
gujaf-373	142	186	author	author	NOUN
gujaf-373	142	187	(	(	PUNCT
gujaf-373	142	188	2025	2025	NUM
gujaf-373	142	189	)	)	PUNCT
gujaf-373	142	190	.	.	PUNCT
gujaf-373	143	1	table	table	NOUN
gujaf-373	143	2	6	6	NUM
gujaf-373	143	3	:	:	PUNCT
gujaf-373	143	4	robustness	robustness	NOUN
gujaf-373	143	5	model	model	NOUN
gujaf-373	143	6	with	with	ADP
gujaf-373	143	7	controls	control	NOUN
gujaf-373	143	8	(	(	PUNCT
gujaf-373	143	9	equation	equation	NOUN
gujaf-373	143	10	4	4	NUM
gujaf-373	143	11	)	)	PUNCT
gujaf-373	143	12	variable	variable	ADJ
gujaf-373	143	13	coefficient	coefficient	NOUN
gujaf-373	143	14	std	std	PROPN
gujaf-373	143	15	.	.	NOUN
gujaf-373	143	16	error	error	NOUN
gujaf-373	143	17	t	t	NOUN
gujaf-373	143	18	-	-	PUNCT
gujaf-373	143	19	statistic	statistic	NOUN
gujaf-373	143	20	p	p	NOUN
gujaf-373	143	21	-	-	PUNCT
gujaf-373	143	22	value	value	NOUN
gujaf-373	143	23	constant	constant	ADJ
gujaf-373	143	24	64.015	64.015	NUM
gujaf-373	143	25	1.792	1.792	NUM
gujaf-373	143	26	35.726	35.726	NUM
gujaf-373	143	27	0.000	0.000	NUM
gujaf-373	143	28	mf	mf	VERB
gujaf-373	143	29	2.126	2.126	NUM
gujaf-373	143	30	0.651	0.651	NUM
gujaf-373	143	31	3.265	3.265	NUM
gujaf-373	143	32	0.001	0.001	NUM
gujaf-373	143	33	fl	fl	NUM
gujaf-373	143	34	2.289	2.289	NUM
gujaf-373	143	35	0.304	0.304	NUM
gujaf-373	143	36	7.529	7.529	NUM
gujaf-373	143	37	0.000	0.000	NUM
gujaf-373	143	38	age	age	NOUN
gujaf-373	143	39	-0.198	-0.198	NOUN
gujaf-373	143	40	0.071	0.071	NUM
gujaf-373	143	41	-2.789	-2.789	NUM
gujaf-373	143	42	0.005	0.005	NUM
gujaf-373	143	43	edu	edu	PROPN
gujaf-373	143	44	1.135	1.135	NUM
gujaf-373	143	45	0.503	0.503	NUM
gujaf-373	143	46	2.256	2.256	NUM
gujaf-373	143	47	0.024	0.024	NUM
gujaf-373	143	48	loc	loc	NOUN
gujaf-373	143	49	0.891	0.891	NUM
gujaf-373	143	50	0.446	0.446	NUM
gujaf-373	143	51	1.998	1.998	NUM
gujaf-373	143	52	0.047	0.047	NUM
gujaf-373	143	53	𝑅	𝑅	PROPN
gujaf-373	143	54	0.288	0.288	NUM
gujaf-373	143	55	source	source	NOUN
gujaf-373	143	56	:	:	PUNCT
gujaf-373	143	57	author	author	NOUN
gujaf-373	143	58	(	(	PUNCT
gujaf-373	143	59	2025	2025	NUM
gujaf-373	143	60	)	)	PUNCT
gujaf-373	143	61	table	table	NOUN
gujaf-373	143	62	7	7	NUM
gujaf-373	143	63	:	:	PUNCT
gujaf-373	143	64	mediation	mediation	NOUN
gujaf-373	143	65	analysis	analysis	NOUN
gujaf-373	143	66	–	–	PUNCT
gujaf-373	143	67	bootstrapped	bootstrappe	VERB
gujaf-373	143	68	results	result	NOUN
gujaf-373	143	69	effect	effect	VERB
gujaf-373	143	70	type	type	NOUN
gujaf-373	143	71	estimate	estimate	NOUN
gujaf-373	143	72	std	std	NOUN
gujaf-373	143	73	.	.	NOUN
gujaf-373	143	74	error	error	NOUN
gujaf-373	143	75	95	95	NUM
gujaf-373	143	76	%	%	NOUN
gujaf-373	143	77	ci	ci	NOUN
gujaf-373	143	78	(	(	PUNCT
gujaf-373	143	79	lower	low	ADJ
gujaf-373	143	80	)	)	PUNCT
gujaf-373	143	81	95	95	NUM
gujaf-373	143	82	%	%	NOUN
gujaf-373	143	83	ci	ci	NOUN
gujaf-373	143	84	(	(	PUNCT
gujaf-373	143	85	upper	upper	ADJ
gujaf-373	143	86	)	)	PUNCT
gujaf-373	143	87	pvalue	pvalue	NOUN
gujaf-373	143	88	total	total	ADJ
gujaf-373	143	89	effect	effect	NOUN
gujaf-373	143	90	(	(	PUNCT
gujaf-373	143	91	mf	mf	X
gujaf-373	143	92	→	→	SYM
gujaf-373	143	93	bs	bs	NOUN
gujaf-373	143	94	)	)	PUNCT
gujaf-373	144	1	5.326	5.326	NUM
gujaf-373	144	2	0.691	0.691	NUM
gujaf-373	144	3	3.972	3.972	NUM
gujaf-373	144	4	6.652	6.652	NUM
gujaf-373	144	5	0.000	0.000	NUM
gujaf-373	144	6	indirect	indirect	ADJ
gujaf-373	144	7	effect	effect	NOUN
gujaf-373	144	8	(	(	PUNCT
gujaf-373	144	9	via	via	ADP
gujaf-373	144	10	fl	fl	NOUN
gujaf-373	144	11	)	)	PUNCT
gujaf-373	144	12	1.447	1.447	NUM
gujaf-373	144	13	0.203	0.203	NUM
gujaf-373	144	14	1.062	1.062	NUM
gujaf-373	144	15	1.877	1.877	NUM
gujaf-373	144	16	0.000	0.000	NUM
gujaf-373	144	17	direct	direct	ADJ
gujaf-373	144	18	effect	effect	NOUN
gujaf-373	144	19	(	(	PUNCT
gujaf-373	144	20	mf	mf	X
gujaf-373	144	21	→	→	SYM
gujaf-373	144	22	bs	bs	NOUN
gujaf-373	144	23	)	)	PUNCT
gujaf-373	144	24	2.879	2.879	NUM
gujaf-373	144	25	0.718	0.718	NUM
gujaf-373	144	26	1.472	1.472	NUM
gujaf-373	144	27	4.362	4.362	NUM
gujaf-373	144	28	0.000	0.000	NUM
gujaf-373	144	29	sobel	sobel	NOUN
gujaf-373	144	30	test	test	NOUN
gujaf-373	144	31	(	(	PUNCT
gujaf-373	144	32	z	z	NOUN
gujaf-373	144	33	-	-	NOUN
gujaf-373	144	34	statistic	statistic	NOUN
gujaf-373	144	35	)	)	PUNCT
gujaf-373	144	36	4.669	4.669	NUM
gujaf-373	144	37	—	—	PUNCT
gujaf-373	144	38	—	—	PUNCT
gujaf-373	144	39	—	—	PUNCT
gujaf-373	144	40	0.000	0.000	NUM
gujaf-373	144	41	source	source	NOUN
gujaf-373	144	42	:	:	PUNCT
gujaf-373	144	43	author	author	NOUN
gujaf-373	144	44	(	(	PUNCT
gujaf-373	144	45	2025	2025	NUM
gujaf-373	144	46	)	)	PUNCT
gujaf-373	144	47	table	table	NOUN
gujaf-373	144	48	8	8	NUM
gujaf-373	144	49	:	:	PUNCT
gujaf-373	144	50	post	post	ADJ
gujaf-373	144	51	-	-	ADJ
gujaf-373	144	52	estimation	estimation	NOUN
gujaf-373	144	53	and	and	CCONJ
gujaf-373	144	54	robustness	robustness	NOUN
gujaf-373	144	55	checks	check	NOUN
gujaf-373	144	56	test	test	NOUN
gujaf-373	144	57	/	/	SYM
gujaf-373	144	58	model	model	NOUN
gujaf-373	144	59	result	result	NOUN
gujaf-373	144	60	/	/	SYM
gujaf-373	144	61	value	value	NOUN
gujaf-373	144	62	interpretation	interpretation	NOUN
gujaf-373	144	63	structural	structural	ADJ
gujaf-373	144	64	equation	equation	NOUN
gujaf-373	144	65	model	model	NOUN
gujaf-373	144	66	(	(	PUNCT
gujaf-373	144	67	sem	sem	PROPN
gujaf-373	144	68	fit	fit	PROPN
gujaf-373	144	69	index	index	NOUN
gujaf-373	144	70	)	)	PUNCT
gujaf-373	144	71	rmsea	rmsea	NOUN
gujaf-373	144	72	=	=	NOUN
gujaf-373	144	73	0.041	0.041	NUM
gujaf-373	144	74	good	good	ADJ
gujaf-373	144	75	model	model	NOUN
gujaf-373	144	76	fit	fit	PROPN
gujaf-373	144	77	gusau	gusau	ADJ
gujaf-373	144	78	journal	journal	NOUN
gujaf-373	144	79	of	of	ADP
gujaf-373	144	80	accounting	accounting	NOUN
gujaf-373	144	81	and	and	CCONJ
gujaf-373	144	82	finance	finance	NOUN
gujaf-373	144	83	,	,	PUNCT
gujaf-373	144	84	vol.6	vol.6	PROPN
gujaf-373	144	85	,	,	PUNCT
gujaf-373	144	86	issue	issue	NOUN
gujaf-373	144	87	1	1	NUM
gujaf-373	144	88	,	,	PUNCT
gujaf-373	144	89	april	april	PROPN
gujaf-373	144	90	,	,	PUNCT
gujaf-373	144	91	2025	2025	NUM
gujaf-373	144	92	131	131	NUM
gujaf-373	144	93	test	test	NOUN
gujaf-373	144	94	/	/	SYM
gujaf-373	144	95	model	model	NOUN
gujaf-373	144	96	result	result	NOUN
gujaf-373	144	97	/	/	SYM
gujaf-373	144	98	value	value	NOUN
gujaf-373	144	99	interpretation	interpretation	NOUN
gujaf-373	144	100	cfi	cfi	NOUN
gujaf-373	144	101	=	=	NOUN
gujaf-373	144	102	0.981	0.981	NUM
gujaf-373	144	103	good	good	ADJ
gujaf-373	144	104	fit	fit	ADJ
gujaf-373	144	105	tli	tli	X
gujaf-373	144	106	=	=	PUNCT
gujaf-373	144	107	0.965	0.965	NUM
gujaf-373	144	108	good	good	ADJ
gujaf-373	144	109	fit	fit	ADJ
gujaf-373	144	110	urban	urban	ADJ
gujaf-373	144	111	subsample	subsample	ADJ
gujaf-373	144	112	effect	effect	NOUN
gujaf-373	144	113	(	(	PUNCT
gujaf-373	144	114	indirect	indirect	ADJ
gujaf-373	144	115	)	)	PUNCT
gujaf-373	144	116	1.326	1.326	NUM
gujaf-373	144	117	mediation	mediation	NOUN
gujaf-373	144	118	holds	hold	VERB
gujaf-373	144	119	in	in	ADP
gujaf-373	144	120	urban	urban	ADJ
gujaf-373	144	121	context	context	PROPN
gujaf-373	144	122	rural	rural	ADJ
gujaf-373	144	123	subsample	subsample	ADJ
gujaf-373	144	124	effect	effect	NOUN
gujaf-373	144	125	(	(	PUNCT
gujaf-373	144	126	indirect	indirect	ADJ
gujaf-373	144	127	)	)	PUNCT
gujaf-373	144	128	1.189	1.189	NUM
gujaf-373	144	129	mediation	mediation	NOUN
gujaf-373	144	130	still	still	ADV
gujaf-373	144	131	present	present	ADJ
gujaf-373	144	132	but	but	CCONJ
gujaf-373	144	133	slightly	slightly	ADV
gujaf-373	144	134	lower	low	ADJ
gujaf-373	144	135	fl	fl	PRON
gujaf-373	144	136	measurement	measurement	NOUN
gujaf-373	144	137	scale	scale	NOUN
gujaf-373	144	138	sensitivity	sensitivity	NOUN
gujaf-373	144	139	robust	robust	ADJ
gujaf-373	144	140	alternative	alternative	NOUN
gujaf-373	144	141	scaling	scaling	NOUN
gujaf-373	144	142	does	do	AUX
gujaf-373	144	143	not	not	PART
gujaf-373	144	144	alter	alter	VERB
gujaf-373	144	145	results	result	NOUN
gujaf-373	144	146	source	source	NOUN
gujaf-373	144	147	:	:	PUNCT
gujaf-373	144	148	author	author	NOUN
gujaf-373	144	149	(	(	PUNCT
gujaf-373	144	150	2025	2025	NUM
gujaf-373	144	151	)	)	PUNCT
gujaf-373	144	152	.	.	PUNCT
gujaf-373	145	1	hypotheses	hypothesis	NOUN
gujaf-373	145	2	evaluation	evaluation	VERB
gujaf-373	145	3	the	the	DET
gujaf-373	145	4	empirical	empirical	ADJ
gujaf-373	145	5	findings	finding	NOUN
gujaf-373	145	6	provide	provide	VERB
gujaf-373	145	7	robust	robust	ADJ
gujaf-373	145	8	support	support	NOUN
gujaf-373	145	9	for	for	ADP
gujaf-373	145	10	hypothesis	hypothesis	NOUN
gujaf-373	145	11	1	1	NUM
gujaf-373	145	12	.	.	PUNCT
gujaf-373	146	1	in	in	ADP
gujaf-373	146	2	the	the	DET
gujaf-373	146	3	baseline	baseline	PROPN
gujaf-373	146	4	ols	ols	PROPN
gujaf-373	146	5	model	model	NOUN
gujaf-373	146	6	(	(	PUNCT
gujaf-373	146	7	table	table	NOUN
gujaf-373	146	8	5	5	NUM
gujaf-373	146	9	,	,	PUNCT
gujaf-373	146	10	equation	equation	NOUN
gujaf-373	146	11	1	1	NUM
gujaf-373	146	12	)	)	PUNCT
gujaf-373	146	13	,	,	PUNCT
gujaf-373	146	14	microfinance	microfinance	NOUN
gujaf-373	146	15	access	access	NOUN
gujaf-373	146	16	(	(	PUNCT
gujaf-373	146	17	mf	mf	X
gujaf-373	146	18	)	)	PUNCT
gujaf-373	146	19	significantly	significantly	ADV
gujaf-373	146	20	and	and	CCONJ
gujaf-373	146	21	positively	positively	ADV
gujaf-373	146	22	affects	affect	VERB
gujaf-373	146	23	business	business	NOUN
gujaf-373	146	24	sustainability	sustainability	NOUN
gujaf-373	146	25	(	(	PUNCT
gujaf-373	146	26	bs	bs	NOUN
gujaf-373	146	27	)	)	PUNCT
gujaf-373	146	28	,	,	PUNCT
gujaf-373	146	29	with	with	ADP
gujaf-373	146	30	a	a	DET
gujaf-373	146	31	coefficient	coefficient	NOUN
gujaf-373	146	32	of	of	ADP
gujaf-373	146	33	5.326	5.326	NUM
gujaf-373	146	34	.	.	PUNCT
gujaf-373	147	1	this	this	DET
gujaf-373	147	2	positive	positive	ADJ
gujaf-373	147	3	relationship	relationship	NOUN
gujaf-373	147	4	persists	persist	VERB
gujaf-373	147	5	even	even	ADV
gujaf-373	147	6	after	after	ADP
gujaf-373	147	7	introducing	introduce	VERB
gujaf-373	147	8	financial	financial	ADJ
gujaf-373	147	9	literacy	literacy	NOUN
gujaf-373	147	10	as	as	ADP
gujaf-373	147	11	a	a	DET
gujaf-373	147	12	mediator	mediator	NOUN
gujaf-373	147	13	and	and	CCONJ
gujaf-373	147	14	controlling	control	VERB
gujaf-373	147	15	for	for	ADP
gujaf-373	147	16	demographic	demographic	ADJ
gujaf-373	147	17	variables	variable	NOUN
gujaf-373	147	18	in	in	ADP
gujaf-373	147	19	the	the	DET
gujaf-373	147	20	robustness	robustness	NOUN
gujaf-373	147	21	model	model	NOUN
gujaf-373	147	22	.	.	PUNCT
gujaf-373	148	1	these	these	DET
gujaf-373	148	2	consistent	consistent	ADJ
gujaf-373	148	3	effects	effect	NOUN
gujaf-373	148	4	affirm	affirm	NOUN
gujaf-373	148	5	that	that	SCONJ
gujaf-373	148	6	microfinance	microfinance	NOUN
gujaf-373	148	7	access	access	NOUN
gujaf-373	148	8	enhances	enhance	VERB
gujaf-373	148	9	operational	operational	ADJ
gujaf-373	148	10	continuity	continuity	NOUN
gujaf-373	148	11	,	,	PUNCT
gujaf-373	148	12	profitability	profitability	NOUN
gujaf-373	148	13	,	,	PUNCT
gujaf-373	148	14	and	and	CCONJ
gujaf-373	148	15	strategic	strategic	ADJ
gujaf-373	148	16	growth	growth	NOUN
gujaf-373	148	17	among	among	ADP
gujaf-373	148	18	women	woman	NOUN
gujaf-373	148	19	-	-	PUNCT
gujaf-373	148	20	led	lead	VERB
gujaf-373	148	21	smes	sme	NOUN
gujaf-373	148	22	.	.	PUNCT
gujaf-373	149	1	this	this	DET
gujaf-373	149	2	finding	finding	NOUN
gujaf-373	149	3	echoes	echo	VERB
gujaf-373	149	4	prior	prior	ADJ
gujaf-373	149	5	evidence	evidence	NOUN
gujaf-373	149	6	suggesting	suggest	VERB
gujaf-373	149	7	that	that	SCONJ
gujaf-373	149	8	microfinance	microfinance	NOUN
gujaf-373	149	9	facilitates	facilitate	VERB
gujaf-373	149	10	access	access	NOUN
gujaf-373	149	11	to	to	ADP
gujaf-373	149	12	working	working	NOUN
gujaf-373	149	13	capital	capital	NOUN
gujaf-373	149	14	,	,	PUNCT
gujaf-373	149	15	expands	expand	VERB
gujaf-373	149	16	productive	productive	ADJ
gujaf-373	149	17	capacity	capacity	NOUN
gujaf-373	149	18	,	,	PUNCT
gujaf-373	149	19	and	and	CCONJ
gujaf-373	149	20	strengthens	strengthen	VERB
gujaf-373	149	21	enterprise	enterprise	NOUN
gujaf-373	149	22	resilience	resilience	NOUN
gujaf-373	149	23	(	(	PUNCT
gujaf-373	149	24	kyalo	kyalo	PROPN
gujaf-373	149	25	&	&	CCONJ
gujaf-373	149	26	atieno	atieno	PROPN
gujaf-373	149	27	,	,	PUNCT
gujaf-373	149	28	2022	2022	NUM
gujaf-373	149	29	;	;	PUNCT
gujaf-373	149	30	adebayo	adebayo	PROPN
gujaf-373	149	31	et	et	PROPN
gujaf-373	149	32	al	al	PROPN
gujaf-373	149	33	.	.	PROPN
gujaf-373	149	34	,	,	PUNCT
gujaf-373	149	35	2022	2022	NUM
gujaf-373	149	36	)	)	PUNCT
gujaf-373	149	37	.	.	PUNCT
gujaf-373	150	1	moreover	moreover	ADV
gujaf-373	150	2	,	,	PUNCT
gujaf-373	150	3	microfinance	microfinance	NOUN
gujaf-373	150	4	services	service	NOUN
gujaf-373	150	5	may	may	AUX
gujaf-373	150	6	foster	foster	VERB
gujaf-373	150	7	business	business	NOUN
gujaf-373	150	8	formalisation	formalisation	NOUN
gujaf-373	150	9	and	and	CCONJ
gujaf-373	150	10	record	record	NOUN
gujaf-373	150	11	-	-	PUNCT
gujaf-373	150	12	keeping	keeping	NOUN
gujaf-373	150	13	,	,	PUNCT
gujaf-373	150	14	indirectly	indirectly	ADV
gujaf-373	150	15	improving	improve	VERB
gujaf-373	150	16	accountability	accountability	NOUN
gujaf-373	150	17	and	and	CCONJ
gujaf-373	150	18	survival	survival	NOUN
gujaf-373	150	19	prospects	prospect	NOUN
gujaf-373	150	20	(	(	PUNCT
gujaf-373	150	21	mkpado	mkpado	NOUN
gujaf-373	150	22	&	&	CCONJ
gujaf-373	150	23	arene	arene	NOUN
gujaf-373	150	24	,	,	PUNCT
gujaf-373	150	25	2021	2021	NUM
gujaf-373	150	26	)	)	PUNCT
gujaf-373	150	27	.	.	PUNCT
gujaf-373	151	1	gusau	gusau	PROPN
gujaf-373	151	2	journal	journal	PROPN
gujaf-373	151	3	of	of	ADP
gujaf-373	151	4	accounting	accounting	NOUN
gujaf-373	151	5	and	and	CCONJ
gujaf-373	151	6	finance	finance	NOUN
gujaf-373	151	7	,	,	PUNCT
gujaf-373	151	8	vol.6	vol.6	PROPN
gujaf-373	151	9	,	,	PUNCT
gujaf-373	151	10	issue	issue	NOUN
gujaf-373	151	11	1	1	NUM
gujaf-373	151	12	,	,	PUNCT
gujaf-373	151	13	april	april	PROPN
gujaf-373	151	14	,	,	PUNCT
gujaf-373	151	15	2025	2025	NUM
gujaf-373	151	16	132	132	NUM
gujaf-373	151	17	hypothesis	hypothesis	NOUN
gujaf-373	151	18	2	2	NUM
gujaf-373	151	19	is	be	AUX
gujaf-373	151	20	also	also	ADV
gujaf-373	151	21	empirically	empirically	ADV
gujaf-373	151	22	validated	validate	VERB
gujaf-373	151	23	.	.	PUNCT
gujaf-373	152	1	financial	financial	ADJ
gujaf-373	152	2	literacy	literacy	NOUN
gujaf-373	152	3	(	(	PUNCT
gujaf-373	152	4	fl	fl	NOUN
gujaf-373	152	5	)	)	PUNCT
gujaf-373	152	6	demonstrates	demonstrate	VERB
gujaf-373	152	7	a	a	DET
gujaf-373	152	8	strong	strong	ADJ
gujaf-373	152	9	and	and	CCONJ
gujaf-373	152	10	statistically	statistically	ADV
gujaf-373	152	11	significant	significant	ADJ
gujaf-373	152	12	relationship	relationship	NOUN
gujaf-373	152	13	with	with	ADP
gujaf-373	152	14	business	business	NOUN
gujaf-373	152	15	sustainability	sustainability	NOUN
gujaf-373	152	16	in	in	ADP
gujaf-373	152	17	both	both	CCONJ
gujaf-373	152	18	the	the	DET
gujaf-373	152	19	mediation	mediation	NOUN
gujaf-373	152	20	model	model	NOUN
gujaf-373	152	21	(	(	PUNCT
gujaf-373	152	22	table	table	NOUN
gujaf-373	152	23	5	5	NUM
gujaf-373	152	24	,	,	PUNCT
gujaf-373	152	25	equation	equation	NOUN
gujaf-373	152	26	3	3	NUM
gujaf-373	152	27	and	and	CCONJ
gujaf-373	152	28	the	the	DET
gujaf-373	152	29	robustness	robustness	NOUN
gujaf-373	152	30	model	model	NOUN
gujaf-373	152	31	(	(	PUNCT
gujaf-373	152	32	table	table	NOUN
gujaf-373	152	33	6	6	NUM
gujaf-373	152	34	)	)	PUNCT
gujaf-373	152	35	.	.	PUNCT
gujaf-373	153	1	these	these	DET
gujaf-373	153	2	results	result	NOUN
gujaf-373	153	3	imply	imply	VERB
gujaf-373	153	4	that	that	SCONJ
gujaf-373	153	5	financial	financial	ADJ
gujaf-373	153	6	literacy	literacy	NOUN
gujaf-373	153	7	enhances	enhance	VERB
gujaf-373	153	8	entrepreneurs	entrepreneur	NOUN
gujaf-373	153	9	’	'	PUNCT
gujaf-373	153	10	ability	ability	NOUN
gujaf-373	153	11	to	to	PART
gujaf-373	153	12	make	make	VERB
gujaf-373	153	13	informed	informed	ADJ
gujaf-373	153	14	budgeting	budgeting	NOUN
gujaf-373	153	15	,	,	PUNCT
gujaf-373	153	16	pricing	pricing	NOUN
gujaf-373	153	17	,	,	PUNCT
gujaf-373	153	18	and	and	CCONJ
gujaf-373	153	19	reinvestment	reinvestment	NOUN
gujaf-373	153	20	decisions	decision	NOUN
gujaf-373	153	21	,	,	PUNCT
gujaf-373	153	22	all	all	PRON
gujaf-373	153	23	of	of	ADP
gujaf-373	153	24	which	which	PRON
gujaf-373	153	25	are	be	AUX
gujaf-373	153	26	critical	critical	ADJ
gujaf-373	153	27	for	for	ADP
gujaf-373	153	28	long	long	ADJ
gujaf-373	153	29	-	-	PUNCT
gujaf-373	153	30	term	term	NOUN
gujaf-373	153	31	business	business	NOUN
gujaf-373	153	32	survival	survival	NOUN
gujaf-373	153	33	.	.	PUNCT
gujaf-373	154	1	this	this	PRON
gujaf-373	154	2	aligns	align	VERB
gujaf-373	154	3	with	with	ADP
gujaf-373	154	4	the	the	DET
gujaf-373	154	5	theory	theory	NOUN
gujaf-373	154	6	that	that	SCONJ
gujaf-373	154	7	financial	financial	ADJ
gujaf-373	154	8	knowledge	knowledge	NOUN
gujaf-373	154	9	reduces	reduce	VERB
gujaf-373	154	10	informational	informational	ADJ
gujaf-373	154	11	asymmetries	asymmetry	NOUN
gujaf-373	154	12	and	and	CCONJ
gujaf-373	154	13	improves	improve	VERB
gujaf-373	154	14	financial	financial	ADJ
gujaf-373	154	15	planning	planning	NOUN
gujaf-373	154	16	and	and	CCONJ
gujaf-373	154	17	risk	risk	NOUN
gujaf-373	154	18	management	management	NOUN
gujaf-373	154	19	(	(	PUNCT
gujaf-373	154	20	lusardi	lusardi	PROPN
gujaf-373	154	21	&	&	CCONJ
gujaf-373	154	22	mitchell	mitchell	PROPN
gujaf-373	154	23	,	,	PUNCT
gujaf-373	154	24	2020	2020	NUM
gujaf-373	154	25	)	)	PUNCT
gujaf-373	154	26	.	.	PUNCT
gujaf-373	155	1	recent	recent	ADJ
gujaf-373	155	2	empirical	empirical	ADJ
gujaf-373	155	3	work	work	NOUN
gujaf-373	155	4	by	by	ADP
gujaf-373	155	5	musie	musie	X
gujaf-373	155	6	et	et	PROPN
gujaf-373	155	7	al	al	PROPN
gujaf-373	155	8	.	.	PROPN
gujaf-373	155	9	(	(	PUNCT
gujaf-373	155	10	2020	2020	NUM
gujaf-373	155	11	)	)	PUNCT
gujaf-373	155	12	and	and	CCONJ
gujaf-373	155	13	osei	osei	PROPN
gujaf-373	155	14	-	-	PUNCT
gujaf-373	155	15	assibey	assibey	PROPN
gujaf-373	155	16	(	(	PUNCT
gujaf-373	155	17	2023	2023	NUM
gujaf-373	155	18	)	)	PUNCT
gujaf-373	155	19	similarly	similarly	ADV
gujaf-373	155	20	highlights	highlight	VERB
gujaf-373	155	21	how	how	SCONJ
gujaf-373	155	22	financial	financial	ADJ
gujaf-373	155	23	literacy	literacy	NOUN
gujaf-373	155	24	promotes	promote	VERB
gujaf-373	155	25	sustainability	sustainability	NOUN
gujaf-373	155	26	by	by	ADP
gujaf-373	155	27	enabling	enable	VERB
gujaf-373	155	28	better	well	ADJ
gujaf-373	155	29	debt	debt	NOUN
gujaf-373	155	30	management	management	NOUN
gujaf-373	155	31	,	,	PUNCT
gujaf-373	155	32	reinvestment	reinvestment	NOUN
gujaf-373	155	33	of	of	ADP
gujaf-373	155	34	profits	profit	NOUN
gujaf-373	155	35	,	,	PUNCT
gujaf-373	155	36	and	and	CCONJ
gujaf-373	155	37	adaptive	adaptive	ADJ
gujaf-373	155	38	responses	response	NOUN
gujaf-373	155	39	to	to	ADP
gujaf-373	155	40	shocks	shock	NOUN
gujaf-373	155	41	.	.	PUNCT
gujaf-373	156	1	the	the	DET
gujaf-373	156	2	third	third	ADJ
gujaf-373	156	3	hypothesis	hypothesis	NOUN
gujaf-373	156	4	is	be	AUX
gujaf-373	156	5	supported	support	VERB
gujaf-373	156	6	by	by	ADP
gujaf-373	156	7	multiple	multiple	ADJ
gujaf-373	156	8	analytical	analytical	ADJ
gujaf-373	156	9	layers	layer	NOUN
gujaf-373	156	10	.	.	PUNCT
gujaf-373	157	1	the	the	DET
gujaf-373	157	2	mediation	mediation	NOUN
gujaf-373	157	3	model	model	NOUN
gujaf-373	157	4	(	(	PUNCT
gujaf-373	157	5	equation	equation	NOUN
gujaf-373	157	6	3	3	NUM
gujaf-373	157	7	)	)	PUNCT
gujaf-373	157	8	shows	show	VERB
gujaf-373	157	9	that	that	SCONJ
gujaf-373	157	10	while	while	SCONJ
gujaf-373	157	11	mf	mf	NOUN
gujaf-373	157	12	retains	retain	VERB
gujaf-373	157	13	significance	significance	NOUN
gujaf-373	157	14	,	,	PUNCT
gujaf-373	157	15	the	the	DET
gujaf-373	157	16	inclusion	inclusion	NOUN
gujaf-373	157	17	of	of	ADP
gujaf-373	157	18	fl	fl	PROPN
gujaf-373	157	19	substantially	substantially	ADV
gujaf-373	157	20	reduces	reduce	VERB
gujaf-373	157	21	the	the	DET
gujaf-373	157	22	magnitude	magnitude	NOUN
gujaf-373	157	23	of	of	ADP
gujaf-373	157	24	the	the	DET
gujaf-373	157	25	coefficient	coefficient	NOUN
gujaf-373	157	26	from	from	ADP
gujaf-373	157	27	its	its	PRON
gujaf-373	157	28	original	original	ADJ
gujaf-373	157	29	value	value	NOUN
gujaf-373	157	30	,	,	PUNCT
gujaf-373	157	31	suggesting	suggest	VERB
gujaf-373	157	32	a	a	DET
gujaf-373	157	33	partial	partial	ADJ
gujaf-373	157	34	mediation	mediation	NOUN
gujaf-373	157	35	effect	effect	NOUN
gujaf-373	157	36	.	.	PUNCT
gujaf-373	158	1	bootstrapped	bootstrappe	VERB
gujaf-373	158	2	estimates	estimate	NOUN
gujaf-373	158	3	(	(	PUNCT
gujaf-373	158	4	table	table	NOUN
gujaf-373	158	5	7	7	NUM
gujaf-373	158	6	)	)	PUNCT
gujaf-373	158	7	confirm	confirm	VERB
gujaf-373	158	8	this	this	DET
gujaf-373	158	9	mediation	mediation	NOUN
gujaf-373	158	10	,	,	PUNCT
gujaf-373	158	11	with	with	ADP
gujaf-373	158	12	an	an	DET
gujaf-373	158	13	indirect	indirect	ADJ
gujaf-373	158	14	effect	effect	NOUN
gujaf-373	158	15	of	of	ADP
gujaf-373	158	16	1.447	1.447	NUM
gujaf-373	158	17	and	and	CCONJ
gujaf-373	158	18	a	a	DET
gujaf-373	158	19	sobel	sobel	NOUN
gujaf-373	158	20	test	test	NOUN
gujaf-373	158	21	z	z	NOUN
gujaf-373	158	22	-	-	PUNCT
gujaf-373	158	23	statistic	statistic	NOUN
gujaf-373	158	24	of	of	ADP
gujaf-373	158	25	4.669	4.669	NUM
gujaf-373	158	26	,	,	PUNCT
gujaf-373	158	27	providing	provide	VERB
gujaf-373	158	28	statistical	statistical	ADJ
gujaf-373	158	29	evidence	evidence	NOUN
gujaf-373	158	30	of	of	ADP
gujaf-373	158	31	a	a	DET
gujaf-373	158	32	significant	significant	ADJ
gujaf-373	158	33	mediating	mediate	VERB
gujaf-373	158	34	role	role	NOUN
gujaf-373	158	35	for	for	ADP
gujaf-373	158	36	financial	financial	ADJ
gujaf-373	158	37	literacy	literacy	NOUN
gujaf-373	158	38	.	.	PUNCT
gujaf-373	159	1	these	these	DET
gujaf-373	159	2	findings	finding	NOUN
gujaf-373	159	3	are	be	AUX
gujaf-373	159	4	in	in	ADP
gujaf-373	159	5	line	line	NOUN
gujaf-373	159	6	with	with	ADP
gujaf-373	159	7	conceptual	conceptual	ADJ
gujaf-373	159	8	frameworks	framework	NOUN
gujaf-373	159	9	advanced	advance	VERB
gujaf-373	159	10	by	by	ADP
gujaf-373	159	11	the	the	DET
gujaf-373	159	12	world	world	PROPN
gujaf-373	159	13	bank	bank	PROPN
gujaf-373	159	14	(	(	PUNCT
gujaf-373	159	15	2023	2023	NUM
gujaf-373	159	16	)	)	PUNCT
gujaf-373	159	17	,	,	PUNCT
gujaf-373	159	18	which	which	PRON
gujaf-373	159	19	argue	argue	VERB
gujaf-373	159	20	that	that	SCONJ
gujaf-373	159	21	while	while	SCONJ
gujaf-373	159	22	microfinance	microfinance	NOUN
gujaf-373	159	23	provides	provide	VERB
gujaf-373	159	24	the	the	DET
gujaf-373	159	25	means	mean	NOUN
gujaf-373	159	26	,	,	PUNCT
gujaf-373	159	27	financial	financial	ADJ
gujaf-373	159	28	literacy	literacy	NOUN
gujaf-373	159	29	provides	provide	VERB
gujaf-373	159	30	the	the	DET
gujaf-373	159	31	capability	capability	NOUN
gujaf-373	159	32	to	to	PART
gujaf-373	159	33	translate	translate	VERB
gujaf-373	159	34	resources	resource	NOUN
gujaf-373	159	35	into	into	ADP
gujaf-373	159	36	sustainable	sustainable	ADJ
gujaf-373	159	37	outcomes	outcome	NOUN
gujaf-373	159	38	.	.	PUNCT
gujaf-373	160	1	thus	thus	ADV
gujaf-373	160	2	,	,	PUNCT
gujaf-373	160	3	financial	financial	ADJ
gujaf-373	160	4	literacy	literacy	NOUN
gujaf-373	160	5	functions	function	NOUN
gujaf-373	160	6	as	as	ADP
gujaf-373	160	7	the	the	DET
gujaf-373	160	8	cognitive	cognitive	ADJ
gujaf-373	160	9	channel	channel	NOUN
gujaf-373	160	10	through	through	ADP
gujaf-373	160	11	which	which	PRON
gujaf-373	160	12	credit	credit	NOUN
gujaf-373	160	13	access	access	NOUN
gujaf-373	160	14	is	be	AUX
gujaf-373	160	15	effectively	effectively	ADV
gujaf-373	160	16	utilized	utilize	VERB
gujaf-373	160	17	.	.	PUNCT
gujaf-373	161	1	furthermore	furthermore	ADV
gujaf-373	161	2	,	,	PUNCT
gujaf-373	161	3	the	the	DET
gujaf-373	161	4	relative	relative	ADJ
gujaf-373	161	5	strength	strength	NOUN
gujaf-373	161	6	of	of	ADP
gujaf-373	161	7	the	the	DET
gujaf-373	161	8	indirect	indirect	ADJ
gujaf-373	161	9	path	path	NOUN
gujaf-373	161	10	through	through	ADP
gujaf-373	161	11	financial	financial	ADJ
gujaf-373	161	12	literacy	literacy	NOUN
gujaf-373	161	13	underscores	underscore	VERB
gujaf-373	161	14	its	its	PRON
gujaf-373	161	15	importance	importance	NOUN
gujaf-373	161	16	in	in	ADP
gujaf-373	161	17	explaining	explain	VERB
gujaf-373	161	18	how	how	SCONJ
gujaf-373	161	19	microfinance	microfinance	NOUN
gujaf-373	161	20	contributes	contribute	VERB
gujaf-373	161	21	to	to	ADP
gujaf-373	161	22	business	business	NOUN
gujaf-373	161	23	sustainability	sustainability	NOUN
gujaf-373	161	24	.	.	PUNCT
gujaf-373	162	1	without	without	ADP
gujaf-373	162	2	sufficient	sufficient	ADJ
gujaf-373	162	3	financial	financial	ADJ
gujaf-373	162	4	knowledge	knowledge	NOUN
gujaf-373	162	5	,	,	PUNCT
gujaf-373	162	6	entrepreneurs	entrepreneur	NOUN
gujaf-373	162	7	may	may	AUX
gujaf-373	162	8	misallocate	misallocate	VERB
gujaf-373	162	9	funds	fund	NOUN
gujaf-373	162	10	,	,	PUNCT
gujaf-373	162	11	overborrow	overborrow	ADJ
gujaf-373	162	12	,	,	PUNCT
gujaf-373	162	13	or	or	CCONJ
gujaf-373	162	14	mismanage	mismanage	VERB
gujaf-373	162	15	repayments	repayment	NOUN
gujaf-373	162	16	risks	risk	NOUN
gujaf-373	162	17	well	well	ADV
gujaf-373	162	18	-	-	PUNCT
gujaf-373	162	19	documented	document	VERB
gujaf-373	162	20	in	in	ADP
gujaf-373	162	21	the	the	DET
gujaf-373	162	22	microfinance	microfinance	NOUN
gujaf-373	162	23	literature	literature	NOUN
gujaf-373	162	24	(	(	PUNCT
gujaf-373	162	25	saad	saad	PROPN
gujaf-373	162	26	&	&	CCONJ
gujaf-373	162	27	anis	anis	PROPN
gujaf-373	162	28	,	,	PUNCT
gujaf-373	162	29	2021	2021	NUM
gujaf-373	162	30	;	;	PUNCT
gujaf-373	162	31	afolabi	afolabi	NOUN
gujaf-373	162	32	et	et	PROPN
gujaf-373	162	33	al	al	PROPN
gujaf-373	162	34	.	.	PROPN
gujaf-373	162	35	,	,	PUNCT
gujaf-373	162	36	2023	2023	NUM
gujaf-373	162	37	)	)	PUNCT
gujaf-373	162	38	.	.	PUNCT
gujaf-373	163	1	thus	thus	ADV
gujaf-373	163	2	,	,	PUNCT
gujaf-373	163	3	while	while	SCONJ
gujaf-373	163	4	mf	mf	NOUN
gujaf-373	163	5	provides	provide	VERB
gujaf-373	163	6	the	the	DET
gujaf-373	163	7	financial	financial	ADJ
gujaf-373	163	8	tools	tool	NOUN
gujaf-373	163	9	,	,	PUNCT
gujaf-373	163	10	fl	fl	PROPN
gujaf-373	163	11	ensures	ensure	VERB
gujaf-373	163	12	their	their	PRON
gujaf-373	163	13	productive	productive	ADJ
gujaf-373	163	14	use	use	NOUN
gujaf-373	163	15	.	.	PUNCT
gujaf-373	164	1	this	this	DET
gujaf-373	164	2	dual	dual	ADJ
gujaf-373	164	3	-	-	PUNCT
gujaf-373	164	4	layer	layer	NOUN
gujaf-373	164	5	mechanism	mechanism	NOUN
gujaf-373	164	6	strengthens	strengthen	VERB
gujaf-373	164	7	the	the	DET
gujaf-373	164	8	case	case	NOUN
gujaf-373	164	9	for	for	ADP
gujaf-373	164	10	integrated	integrated	ADJ
gujaf-373	164	11	financial	financial	ADJ
gujaf-373	164	12	service	service	NOUN
gujaf-373	164	13	models	model	NOUN
gujaf-373	164	14	that	that	PRON
gujaf-373	164	15	combine	combine	VERB
gujaf-373	164	16	lending	lend	VERB
gujaf-373	164	17	with	with	ADP
gujaf-373	164	18	training	training	NOUN
gujaf-373	164	19	and	and	CCONJ
gujaf-373	164	20	literacy	literacy	NOUN
gujaf-373	164	21	programs	program	NOUN
gujaf-373	164	22	,	,	PUNCT
gujaf-373	164	23	particularly	particularly	ADV
gujaf-373	164	24	for	for	ADP
gujaf-373	164	25	vulnerable	vulnerable	ADJ
gujaf-373	164	26	or	or	CCONJ
gujaf-373	164	27	low	low	ADJ
gujaf-373	164	28	-	-	PUNCT
gujaf-373	164	29	education	education	NOUN
gujaf-373	164	30	entrepreneurs	entrepreneur	NOUN
gujaf-373	164	31	.	.	PUNCT
gujaf-373	165	1	additional	additional	ADJ
gujaf-373	165	2	evidence	evidence	NOUN
gujaf-373	165	3	from	from	ADP
gujaf-373	165	4	the	the	DET
gujaf-373	165	5	subgroup	subgroup	NOUN
gujaf-373	165	6	analysis	analysis	NOUN
gujaf-373	165	7	(	(	PUNCT
gujaf-373	165	8	table	table	NOUN
gujaf-373	165	9	8)	8)	NUM
gujaf-373	165	10	further	far	ADV
gujaf-373	165	11	supports	support	VERB
gujaf-373	165	12	the	the	DET
gujaf-373	165	13	robustness	robustness	NOUN
gujaf-373	165	14	of	of	ADP
gujaf-373	165	15	this	this	DET
gujaf-373	165	16	mediation	mediation	NOUN
gujaf-373	165	17	pathway	pathway	NOUN
gujaf-373	165	18	across	across	ADP
gujaf-373	165	19	contexts	contexts	NOUN
gujaf-373	165	20	.	.	PUNCT
gujaf-373	166	1	the	the	DET
gujaf-373	166	2	indirect	indirect	ADJ
gujaf-373	166	3	effect	effect	NOUN
gujaf-373	166	4	remains	remain	VERB
gujaf-373	166	5	statistically	statistically	ADV
gujaf-373	166	6	significant	significant	ADJ
gujaf-373	166	7	for	for	ADP
gujaf-373	166	8	both	both	CCONJ
gujaf-373	166	9	urban	urban	ADJ
gujaf-373	166	10	and	and	CCONJ
gujaf-373	166	11	rural	rural	ADJ
gujaf-373	166	12	subsamples	subsample	NOUN
gujaf-373	166	13	,	,	PUNCT
gujaf-373	166	14	although	although	SCONJ
gujaf-373	166	15	slightly	slightly	ADV
gujaf-373	166	16	attenuated	attenuate	VERB
gujaf-373	166	17	in	in	ADP
gujaf-373	166	18	rural	rural	ADJ
gujaf-373	166	19	areas	area	NOUN
gujaf-373	166	20	.	.	PUNCT
gujaf-373	167	1	this	this	DET
gujaf-373	167	2	discrepancy	discrepancy	NOUN
gujaf-373	167	3	may	may	AUX
gujaf-373	167	4	be	be	AUX
gujaf-373	167	5	attributed	attribute	VERB
gujaf-373	167	6	to	to	ADP
gujaf-373	167	7	differences	difference	NOUN
gujaf-373	167	8	in	in	ADP
gujaf-373	167	9	digital	digital	ADJ
gujaf-373	167	10	access	access	NOUN
gujaf-373	167	11	,	,	PUNCT
gujaf-373	167	12	educational	educational	ADJ
gujaf-373	167	13	exposure	exposure	NOUN
gujaf-373	167	14	,	,	PUNCT
gujaf-373	167	15	or	or	CCONJ
gujaf-373	167	16	the	the	DET
gujaf-373	167	17	availability	availability	NOUN
gujaf-373	167	18	of	of	ADP
gujaf-373	167	19	complementary	complementary	ADJ
gujaf-373	167	20	services	service	NOUN
gujaf-373	167	21	in	in	ADP
gujaf-373	167	22	more	more	ADJ
gujaf-373	167	23	remote	remote	ADJ
gujaf-373	167	24	settings	setting	NOUN
gujaf-373	167	25	.	.	PUNCT
gujaf-373	168	1	nonetheless	nonetheless	ADV
gujaf-373	168	2	,	,	PUNCT
gujaf-373	168	3	the	the	DET
gujaf-373	168	4	consistency	consistency	NOUN
gujaf-373	168	5	of	of	ADP
gujaf-373	168	6	mediation	mediation	NOUN
gujaf-373	168	7	across	across	ADP
gujaf-373	168	8	subsamples	subsample	NOUN
gujaf-373	168	9	affirms	affirm	VERB
gujaf-373	168	10	the	the	DET
gujaf-373	168	11	generalizability	generalizability	NOUN
gujaf-373	168	12	of	of	ADP
gujaf-373	168	13	the	the	DET
gujaf-373	168	14	hypothesis	hypothesis	NOUN
gujaf-373	168	15	,	,	PUNCT
gujaf-373	168	16	as	as	SCONJ
gujaf-373	168	17	observed	observe	VERB
gujaf-373	168	18	in	in	ADP
gujaf-373	168	19	studies	study	NOUN
gujaf-373	168	20	by	by	ADP
gujaf-373	168	21	adebayo	adebayo	PROPN
gujaf-373	168	22	et	et	PROPN
gujaf-373	168	23	al	al	PROPN
gujaf-373	168	24	.	.	PROPN
gujaf-373	169	1	(	(	PUNCT
gujaf-373	169	2	2022	2022	NUM
gujaf-373	169	3	)	)	PUNCT
gujaf-373	169	4	and	and	CCONJ
gujaf-373	169	5	osei	osei	PROPN
gujaf-373	169	6	-	-	PUNCT
gujaf-373	169	7	assibey	assibey	PROPN
gujaf-373	169	8	(	(	PUNCT
gujaf-373	169	9	2023	2023	NUM
gujaf-373	169	10	)	)	PUNCT
gujaf-373	169	11	,	,	PUNCT
gujaf-373	169	12	who	who	PRON
gujaf-373	169	13	stress	stress	VERB
gujaf-373	169	14	that	that	SCONJ
gujaf-373	169	15	literacy	literacy	NOUN
gujaf-373	169	16	-	-	PUNCT
gujaf-373	169	17	oriented	orient	VERB
gujaf-373	169	18	interventions	intervention	NOUN
gujaf-373	169	19	are	be	AUX
gujaf-373	169	20	necessary	necessary	ADJ
gujaf-373	169	21	regardless	regardless	ADV
gujaf-373	169	22	of	of	ADP
gujaf-373	169	23	geographic	geographic	ADJ
gujaf-373	169	24	disparities	disparity	NOUN
gujaf-373	169	25	.	.	PUNCT
gujaf-373	170	1	the	the	DET
gujaf-373	170	2	findings	finding	NOUN
gujaf-373	170	3	from	from	ADP
gujaf-373	170	4	this	this	DET
gujaf-373	170	5	study	study	NOUN
gujaf-373	170	6	highlight	highlight	VERB
gujaf-373	170	7	the	the	DET
gujaf-373	170	8	imperative	imperative	NOUN
gujaf-373	170	9	for	for	ADP
gujaf-373	170	10	integrated	integrate	VERB
gujaf-373	170	11	financial	financial	ADJ
gujaf-373	170	12	inclusion	inclusion	NOUN
gujaf-373	170	13	policies	policy	NOUN
gujaf-373	170	14	that	that	PRON
gujaf-373	170	15	go	go	VERB
gujaf-373	170	16	beyond	beyond	ADP
gujaf-373	170	17	simply	simply	ADV
gujaf-373	170	18	enhancing	enhance	VERB
gujaf-373	170	19	access	access	NOUN
gujaf-373	170	20	to	to	ADP
gujaf-373	170	21	microfinance	microfinance	NOUN
gujaf-373	170	22	.	.	PUNCT
gujaf-373	171	1	although	although	SCONJ
gujaf-373	171	2	microfinance	microfinance	NOUN
gujaf-373	171	3	has	have	VERB
gujaf-373	171	4	a	a	DET
gujaf-373	171	5	statistically	statistically	ADV
gujaf-373	171	6	significant	significant	ADJ
gujaf-373	171	7	and	and	CCONJ
gujaf-373	171	8	positive	positive	ADJ
gujaf-373	171	9	effect	effect	NOUN
gujaf-373	171	10	on	on	ADP
gujaf-373	171	11	business	business	NOUN
gujaf-373	171	12	sustainability	sustainability	NOUN
gujaf-373	171	13	,	,	PUNCT
gujaf-373	171	14	this	this	DET
gujaf-373	171	15	impact	impact	NOUN
gujaf-373	171	16	is	be	AUX
gujaf-373	171	17	greatly	greatly	ADV
gujaf-373	171	18	amplified	amplify	VERB
gujaf-373	171	19	when	when	SCONJ
gujaf-373	171	20	accompanied	accompany	VERB
gujaf-373	171	21	by	by	ADP
gujaf-373	171	22	financial	financial	ADJ
gujaf-373	171	23	literacy	literacy	NOUN
gujaf-373	171	24	.	.	PUNCT
gujaf-373	172	1	therefore	therefore	ADV
gujaf-373	172	2	,	,	PUNCT
gujaf-373	172	3	policymakers	policymaker	NOUN
gujaf-373	172	4	in	in	ADP
gujaf-373	172	5	developing	develop	VERB
gujaf-373	172	6	economies	economy	NOUN
gujaf-373	172	7	such	such	ADJ
gujaf-373	172	8	as	as	ADP
gujaf-373	172	9	nigeria	nigeria	PROPN
gujaf-373	172	10	should	should	AUX
gujaf-373	172	11	adopt	adopt	VERB
gujaf-373	172	12	a	a	DET
gujaf-373	172	13	dual	dual	ADJ
gujaf-373	172	14	-	-	PUNCT
gujaf-373	172	15	track	track	NOUN
gujaf-373	172	16	approach	approach	NOUN
gujaf-373	172	17	,	,	PUNCT
gujaf-373	172	18	promoting	promote	VERB
gujaf-373	172	19	access	access	NOUN
gujaf-373	172	20	to	to	ADP
gujaf-373	172	21	credit	credit	NOUN
gujaf-373	172	22	while	while	SCONJ
gujaf-373	172	23	concurrently	concurrently	ADV
gujaf-373	172	24	embedding	embed	VERB
gujaf-373	172	25	financial	financial	ADJ
gujaf-373	172	26	education	education	NOUN
gujaf-373	172	27	into	into	ADP
gujaf-373	172	28	loan	loan	NOUN
gujaf-373	172	29	delivery	delivery	NOUN
gujaf-373	172	30	mechanisms	mechanism	NOUN
gujaf-373	172	31	(	(	PUNCT
gujaf-373	172	32	musie	musie	NOUN
gujaf-373	172	33	et	et	PROPN
gujaf-373	172	34	al	al	PROPN
gujaf-373	172	35	.	.	PROPN
gujaf-373	172	36	,	,	PUNCT
gujaf-373	172	37	2020	2020	NUM
gujaf-373	172	38	;	;	PUNCT
gujaf-373	172	39	osei	osei	PROPN
gujaf-373	172	40	-	-	PUNCT
gujaf-373	172	41	assibey	assibey	ADJ
gujaf-373	172	42	,	,	PUNCT
gujaf-373	172	43	2023	2023	NUM
gujaf-373	172	44	)	)	PUNCT
gujaf-373	172	45	.	.	PUNCT
gujaf-373	173	1	this	this	PRON
gujaf-373	173	2	implies	imply	VERB
gujaf-373	173	3	rethinking	rethink	VERB
gujaf-373	173	4	microfinance	microfinance	NOUN
gujaf-373	173	5	not	not	PART
gujaf-373	173	6	only	only	ADV
gujaf-373	173	7	as	as	ADP
gujaf-373	173	8	a	a	DET
gujaf-373	173	9	financial	financial	ADJ
gujaf-373	173	10	instrument	instrument	NOUN
gujaf-373	173	11	but	but	CCONJ
gujaf-373	173	12	gusau	gusau	ADJ
gujaf-373	173	13	journal	journal	NOUN
gujaf-373	173	14	of	of	ADP
gujaf-373	173	15	accounting	accounting	NOUN
gujaf-373	173	16	and	and	CCONJ
gujaf-373	173	17	finance	finance	NOUN
gujaf-373	173	18	,	,	PUNCT
gujaf-373	173	19	vol.6	vol.6	PROPN
gujaf-373	173	20	,	,	PUNCT
gujaf-373	173	21	issue	issue	NOUN
gujaf-373	173	22	1	1	NUM
gujaf-373	173	23	,	,	PUNCT
gujaf-373	173	24	april	april	PROPN
gujaf-373	173	25	,	,	PUNCT
gujaf-373	173	26	2025	2025	NUM
gujaf-373	173	27	133	133	NUM
gujaf-373	173	28	also	also	ADV
gujaf-373	173	29	as	as	ADP
gujaf-373	173	30	a	a	DET
gujaf-373	173	31	developmental	developmental	ADJ
gujaf-373	173	32	tool	tool	NOUN
gujaf-373	173	33	that	that	PRON
gujaf-373	173	34	requires	require	VERB
gujaf-373	173	35	complementary	complementary	ADJ
gujaf-373	173	36	non	non	ADJ
gujaf-373	173	37	-	-	ADJ
gujaf-373	173	38	financial	financial	ADJ
gujaf-373	173	39	services	service	NOUN
gujaf-373	173	40	to	to	PART
gujaf-373	173	41	unlock	unlock	VERB
gujaf-373	173	42	its	its	PRON
gujaf-373	173	43	full	full	ADJ
gujaf-373	173	44	potential	potential	NOUN
gujaf-373	173	45	.	.	PUNCT
gujaf-373	174	1	a	a	DET
gujaf-373	174	2	targeted	target	VERB
gujaf-373	174	3	implication	implication	NOUN
gujaf-373	174	4	is	be	AUX
gujaf-373	174	5	the	the	DET
gujaf-373	174	6	mainstreaming	mainstreaming	NOUN
gujaf-373	174	7	of	of	ADP
gujaf-373	174	8	financial	financial	ADJ
gujaf-373	174	9	literacy	literacy	NOUN
gujaf-373	174	10	training	training	NOUN
gujaf-373	174	11	within	within	ADP
gujaf-373	174	12	microfinance	microfinance	NOUN
gujaf-373	174	13	programs	program	NOUN
gujaf-373	174	14	,	,	PUNCT
gujaf-373	174	15	particularly	particularly	ADV
gujaf-373	174	16	those	those	PRON
gujaf-373	174	17	aimed	aim	VERB
gujaf-373	174	18	at	at	ADP
gujaf-373	174	19	women	woman	NOUN
gujaf-373	174	20	entrepreneurs	entrepreneur	NOUN
gujaf-373	174	21	.	.	PUNCT
gujaf-373	175	1	given	give	VERB
gujaf-373	175	2	the	the	DET
gujaf-373	175	3	robust	robust	ADJ
gujaf-373	175	4	mediating	mediate	VERB
gujaf-373	175	5	role	role	NOUN
gujaf-373	175	6	of	of	ADP
gujaf-373	175	7	financial	financial	ADJ
gujaf-373	175	8	literacy	literacy	NOUN
gujaf-373	175	9	in	in	ADP
gujaf-373	175	10	this	this	DET
gujaf-373	175	11	study	study	NOUN
gujaf-373	175	12	,	,	PUNCT
gujaf-373	175	13	credit	credit	NOUN
gujaf-373	175	14	schemes	scheme	NOUN
gujaf-373	175	15	should	should	AUX
gujaf-373	175	16	be	be	AUX
gujaf-373	175	17	conditional	conditional	ADJ
gujaf-373	175	18	upon	upon	SCONJ
gujaf-373	175	19	the	the	DET
gujaf-373	175	20	completion	completion	NOUN
gujaf-373	175	21	of	of	ADP
gujaf-373	175	22	certified	certify	VERB
gujaf-373	175	23	literacy	literacy	NOUN
gujaf-373	175	24	modules	module	NOUN
gujaf-373	175	25	tailored	tailor	VERB
gujaf-373	175	26	to	to	ADP
gujaf-373	175	27	sme	sme	NOUN
gujaf-373	175	28	operations	operation	NOUN
gujaf-373	175	29	,	,	PUNCT
gujaf-373	175	30	debt	debt	NOUN
gujaf-373	175	31	management	management	NOUN
gujaf-373	175	32	,	,	PUNCT
gujaf-373	175	33	and	and	CCONJ
gujaf-373	175	34	basic	basic	ADJ
gujaf-373	175	35	accounting	accounting	NOUN
gujaf-373	175	36	.	.	PUNCT
gujaf-373	176	1	this	this	DET
gujaf-373	176	2	approach	approach	NOUN
gujaf-373	176	3	mirrors	mirror	VERB
gujaf-373	176	4	successful	successful	ADJ
gujaf-373	176	5	interventions	intervention	NOUN
gujaf-373	176	6	in	in	ADP
gujaf-373	176	7	east	east	PROPN
gujaf-373	176	8	africa	africa	PROPN
gujaf-373	176	9	,	,	PUNCT
gujaf-373	176	10	where	where	SCONJ
gujaf-373	176	11	bundling	bundle	VERB
gujaf-373	176	12	financial	financial	ADJ
gujaf-373	176	13	services	service	NOUN
gujaf-373	176	14	with	with	ADP
gujaf-373	176	15	capacity	capacity	NOUN
gujaf-373	176	16	-	-	PUNCT
gujaf-373	176	17	building	building	NOUN
gujaf-373	176	18	initiatives	initiative	NOUN
gujaf-373	176	19	significantly	significantly	ADV
gujaf-373	176	20	enhanced	enhance	VERB
gujaf-373	176	21	business	business	NOUN
gujaf-373	176	22	outcomes	outcome	NOUN
gujaf-373	176	23	(	(	PUNCT
gujaf-373	176	24	kyalo	kyalo	PROPN
gujaf-373	176	25	&	&	CCONJ
gujaf-373	176	26	atieno	atieno	PROPN
gujaf-373	176	27	,	,	PUNCT
gujaf-373	176	28	2022	2022	NUM
gujaf-373	176	29	)	)	PUNCT
gujaf-373	176	30	.	.	PUNCT
gujaf-373	177	1	moreover	moreover	ADV
gujaf-373	177	2	,	,	PUNCT
gujaf-373	177	3	evidence	evidence	NOUN
gujaf-373	177	4	from	from	ADP
gujaf-373	177	5	lusardi	lusardi	PROPN
gujaf-373	177	6	and	and	CCONJ
gujaf-373	177	7	mitchell	mitchell	PROPN
gujaf-373	177	8	(	(	PUNCT
gujaf-373	177	9	2020	2020	NUM
gujaf-373	177	10	)	)	PUNCT
gujaf-373	177	11	supports	support	VERB
gujaf-373	177	12	that	that	SCONJ
gujaf-373	177	13	even	even	ADV
gujaf-373	177	14	minimal	minimal	ADJ
gujaf-373	177	15	improvements	improvement	NOUN
gujaf-373	177	16	in	in	ADP
gujaf-373	177	17	financial	financial	ADJ
gujaf-373	177	18	capability	capability	NOUN
gujaf-373	177	19	can	can	AUX
gujaf-373	177	20	translate	translate	VERB
gujaf-373	177	21	into	into	ADP
gujaf-373	177	22	substantial	substantial	ADJ
gujaf-373	177	23	gains	gain	NOUN
gujaf-373	177	24	in	in	ADP
gujaf-373	177	25	decision	decision	NOUN
gujaf-373	177	26	-	-	PUNCT
gujaf-373	177	27	making	make	VERB
gujaf-373	177	28	efficiency	efficiency	NOUN
gujaf-373	177	29	and	and	CCONJ
gujaf-373	177	30	enterprise	enterprise	NOUN
gujaf-373	177	31	sustainability	sustainability	NOUN
gujaf-373	177	32	.	.	PUNCT
gujaf-373	178	1	further	far	ADV
gujaf-373	178	2	,	,	PUNCT
gujaf-373	178	3	the	the	DET
gujaf-373	178	4	study	study	NOUN
gujaf-373	178	5	underscores	underscore	VERB
gujaf-373	178	6	the	the	DET
gujaf-373	178	7	need	need	NOUN
gujaf-373	178	8	to	to	PART
gujaf-373	178	9	institutionalize	institutionalize	VERB
gujaf-373	178	10	financial	financial	ADJ
gujaf-373	178	11	literacy	literacy	NOUN
gujaf-373	178	12	in	in	ADP
gujaf-373	178	13	the	the	DET
gujaf-373	178	14	national	national	ADJ
gujaf-373	178	15	education	education	PROPN
gujaf-373	178	16	curriculum	curriculum	NOUN
gujaf-373	178	17	,	,	PUNCT
gujaf-373	178	18	especially	especially	ADV
gujaf-373	178	19	at	at	ADP
gujaf-373	178	20	the	the	DET
gujaf-373	178	21	post	post	ADJ
gujaf-373	178	22	-	-	ADJ
gujaf-373	178	23	secondary	secondary	ADJ
gujaf-373	178	24	level	level	NOUN
gujaf-373	178	25	and	and	CCONJ
gujaf-373	178	26	through	through	ADP
gujaf-373	178	27	vocational	vocational	ADJ
gujaf-373	178	28	training	training	NOUN
gujaf-373	178	29	for	for	ADP
gujaf-373	178	30	out	out	ADV
gujaf-373	178	31	-	-	PUNCT
gujaf-373	178	32	of	of	ADP
gujaf-373	178	33	-	-	PUNCT
gujaf-373	178	34	school	school	NOUN
gujaf-373	178	35	women	woman	NOUN
gujaf-373	178	36	.	.	PUNCT
gujaf-373	179	1	formal	formal	ADJ
gujaf-373	179	2	integration	integration	NOUN
gujaf-373	179	3	of	of	ADP
gujaf-373	179	4	entrepreneurship	entrepreneurship	NOUN
gujaf-373	179	5	finance	finance	NOUN
gujaf-373	179	6	modules	module	NOUN
gujaf-373	179	7	can	can	AUX
gujaf-373	179	8	help	help	VERB
gujaf-373	179	9	preemptively	preemptively	ADV
gujaf-373	179	10	build	build	VERB
gujaf-373	179	11	cognitive	cognitive	ADJ
gujaf-373	179	12	capital	capital	NOUN
gujaf-373	179	13	among	among	ADP
gujaf-373	179	14	future	future	ADJ
gujaf-373	179	15	entrepreneurs	entrepreneur	NOUN
gujaf-373	179	16	.	.	PUNCT
gujaf-373	180	1	this	this	PRON
gujaf-373	180	2	is	be	AUX
gujaf-373	180	3	particularly	particularly	ADV
gujaf-373	180	4	critical	critical	ADJ
gujaf-373	180	5	for	for	ADP
gujaf-373	180	6	women	woman	NOUN
gujaf-373	180	7	in	in	ADP
gujaf-373	180	8	rural	rural	ADJ
gujaf-373	180	9	or	or	CCONJ
gujaf-373	180	10	semi	semi	ADJ
gujaf-373	180	11	-	-	ADJ
gujaf-373	180	12	urban	urban	ADJ
gujaf-373	180	13	settings	setting	NOUN
gujaf-373	180	14	,	,	PUNCT
gujaf-373	180	15	where	where	SCONJ
gujaf-373	180	16	informal	informal	ADJ
gujaf-373	180	17	financial	financial	ADJ
gujaf-373	180	18	education	education	NOUN
gujaf-373	180	19	is	be	AUX
gujaf-373	180	20	scarce	scarce	ADJ
gujaf-373	180	21	.	.	PUNCT
gujaf-373	181	1	government	government	NOUN
gujaf-373	181	2	agencies	agency	NOUN
gujaf-373	181	3	such	such	ADJ
gujaf-373	181	4	as	as	ADP
gujaf-373	181	5	the	the	DET
gujaf-373	181	6	national	national	ADJ
gujaf-373	181	7	economic	economic	ADJ
gujaf-373	181	8	empowerment	empowerment	NOUN
gujaf-373	181	9	and	and	CCONJ
gujaf-373	181	10	development	development	NOUN
gujaf-373	181	11	strategy	strategy	NOUN
gujaf-373	181	12	(	(	PUNCT
gujaf-373	181	13	needs	need	NOUN
gujaf-373	181	14	)	)	PUNCT
gujaf-373	181	15	and	and	CCONJ
gujaf-373	181	16	small	small	ADJ
gujaf-373	181	17	and	and	CCONJ
gujaf-373	181	18	medium	medium	ADJ
gujaf-373	181	19	enterprises	enterprise	NOUN
gujaf-373	181	20	development	development	NOUN
gujaf-373	181	21	agency	agency	PROPN
gujaf-373	181	22	of	of	ADP
gujaf-373	181	23	nigeria	nigeria	PROPN
gujaf-373	181	24	(	(	PUNCT
gujaf-373	181	25	smedan	smedan	PROPN
gujaf-373	181	26	)	)	PUNCT
gujaf-373	181	27	should	should	AUX
gujaf-373	181	28	collaborate	collaborate	VERB
gujaf-373	181	29	with	with	ADP
gujaf-373	181	30	financial	financial	ADJ
gujaf-373	181	31	institutions	institution	NOUN
gujaf-373	181	32	to	to	PART
gujaf-373	181	33	develop	develop	VERB
gujaf-373	181	34	context	context	NOUN
gujaf-373	181	35	-	-	PUNCT
gujaf-373	181	36	specific	specific	ADJ
gujaf-373	181	37	financial	financial	ADJ
gujaf-373	181	38	literacy	literacy	NOUN
gujaf-373	181	39	frameworks	framework	NOUN
gujaf-373	181	40	(	(	PUNCT
gujaf-373	181	41	world	world	NOUN
gujaf-373	181	42	bank	bank	NOUN
gujaf-373	181	43	,	,	PUNCT
gujaf-373	181	44	2023	2023	NUM
gujaf-373	181	45	)	)	PUNCT
gujaf-373	181	46	.	.	PUNCT
gujaf-373	182	1	additionally	additionally	ADV
gujaf-373	182	2	,	,	PUNCT
gujaf-373	182	3	policy	policy	NOUN
gujaf-373	182	4	differentiation	differentiation	NOUN
gujaf-373	182	5	based	base	VERB
gujaf-373	182	6	on	on	ADP
gujaf-373	182	7	demographic	demographic	ADJ
gujaf-373	182	8	and	and	CCONJ
gujaf-373	182	9	locational	locational	ADJ
gujaf-373	182	10	heterogeneity	heterogeneity	NOUN
gujaf-373	182	11	is	be	AUX
gujaf-373	182	12	essential	essential	ADJ
gujaf-373	182	13	.	.	PUNCT
gujaf-373	183	1	the	the	DET
gujaf-373	183	2	urban	urban	ADJ
gujaf-373	183	3	-	-	PUNCT
gujaf-373	183	4	rural	rural	ADJ
gujaf-373	183	5	analysis	analysis	NOUN
gujaf-373	183	6	revealed	reveal	VERB
gujaf-373	183	7	that	that	SCONJ
gujaf-373	183	8	although	although	SCONJ
gujaf-373	183	9	financial	financial	ADJ
gujaf-373	183	10	literacy	literacy	NOUN
gujaf-373	183	11	mediates	mediate	VERB
gujaf-373	183	12	the	the	DET
gujaf-373	183	13	microfinance	microfinance	NOUN
gujaf-373	183	14	-	-	PUNCT
gujaf-373	183	15	sustainability	sustainability	NOUN
gujaf-373	183	16	link	link	NOUN
gujaf-373	183	17	in	in	ADP
gujaf-373	183	18	both	both	DET
gujaf-373	183	19	settings	setting	NOUN
gujaf-373	183	20	,	,	PUNCT
gujaf-373	183	21	the	the	DET
gujaf-373	183	22	magnitude	magnitude	NOUN
gujaf-373	183	23	of	of	ADP
gujaf-373	183	24	the	the	DET
gujaf-373	183	25	effect	effect	NOUN
gujaf-373	183	26	is	be	AUX
gujaf-373	183	27	lower	low	ADJ
gujaf-373	183	28	in	in	ADP
gujaf-373	183	29	rural	rural	ADJ
gujaf-373	183	30	areas	area	NOUN
gujaf-373	183	31	.	.	PUNCT
gujaf-373	184	1	this	this	PRON
gujaf-373	184	2	suggests	suggest	VERB
gujaf-373	184	3	structural	structural	ADJ
gujaf-373	184	4	barriers	barrier	NOUN
gujaf-373	184	5	such	such	ADJ
gujaf-373	184	6	as	as	ADP
gujaf-373	184	7	limited	limited	ADJ
gujaf-373	184	8	digital	digital	ADJ
gujaf-373	184	9	infrastructure	infrastructure	NOUN
gujaf-373	184	10	,	,	PUNCT
gujaf-373	184	11	fewer	few	ADJ
gujaf-373	184	12	financial	financial	ADJ
gujaf-373	184	13	touchpoints	touchpoint	NOUN
gujaf-373	184	14	,	,	PUNCT
gujaf-373	184	15	and	and	CCONJ
gujaf-373	184	16	weaker	weak	ADJ
gujaf-373	184	17	institutional	institutional	ADJ
gujaf-373	184	18	support	support	NOUN
gujaf-373	184	19	in	in	ADP
gujaf-373	184	20	rural	rural	ADJ
gujaf-373	184	21	regions	region	NOUN
gujaf-373	184	22	.	.	PUNCT
gujaf-373	185	1	hence	hence	ADV
gujaf-373	185	2	,	,	PUNCT
gujaf-373	185	3	targeted	target	VERB
gujaf-373	185	4	subsidies	subsidy	NOUN
gujaf-373	185	5	,	,	PUNCT
gujaf-373	185	6	mobilebased	mobilebase	VERB
gujaf-373	185	7	training	training	NOUN
gujaf-373	185	8	modules	module	NOUN
gujaf-373	185	9	,	,	PUNCT
gujaf-373	185	10	and	and	CCONJ
gujaf-373	185	11	localized	localized	ADJ
gujaf-373	185	12	extension	extension	NOUN
gujaf-373	185	13	services	service	NOUN
gujaf-373	185	14	should	should	AUX
gujaf-373	185	15	be	be	AUX
gujaf-373	185	16	prioritized	prioritize	VERB
gujaf-373	185	17	to	to	PART
gujaf-373	185	18	close	close	VERB
gujaf-373	185	19	the	the	DET
gujaf-373	185	20	knowledge	knowledge	NOUN
gujaf-373	185	21	-	-	PUNCT
gujaf-373	185	22	access	access	NOUN
gujaf-373	185	23	gap	gap	NOUN
gujaf-373	185	24	.	.	PUNCT
gujaf-373	186	1	digital	digital	ADJ
gujaf-373	186	2	financial	financial	ADJ
gujaf-373	186	3	inclusion	inclusion	NOUN
gujaf-373	186	4	strategies	strategy	NOUN
gujaf-373	186	5	must	must	AUX
gujaf-373	186	6	also	also	ADV
gujaf-373	186	7	be	be	AUX
gujaf-373	186	8	adapted	adapt	VERB
gujaf-373	186	9	to	to	PART
gujaf-373	186	10	cater	cater	VERB
gujaf-373	186	11	to	to	ADP
gujaf-373	186	12	linguistic	linguistic	ADJ
gujaf-373	186	13	,	,	PUNCT
gujaf-373	186	14	technological	technological	ADJ
gujaf-373	186	15	,	,	PUNCT
gujaf-373	186	16	and	and	CCONJ
gujaf-373	186	17	cultural	cultural	ADJ
gujaf-373	186	18	nuances	nuance	NOUN
gujaf-373	186	19	in	in	ADP
gujaf-373	186	20	rural	rural	ADJ
gujaf-373	186	21	contexts	context	NOUN
gujaf-373	186	22	(	(	PUNCT
gujaf-373	186	23	afolabi	afolabi	NOUN
gujaf-373	186	24	et	et	NOUN
gujaf-373	186	25	al	al	PROPN
gujaf-373	186	26	.	.	PROPN
gujaf-373	186	27	,	,	PUNCT
gujaf-373	186	28	2023	2023	NUM
gujaf-373	186	29	)	)	PUNCT
gujaf-373	186	30	.	.	PUNCT
gujaf-373	187	1	moreover	moreover	ADV
gujaf-373	187	2	,	,	PUNCT
gujaf-373	187	3	policymakers	policymaker	NOUN
gujaf-373	187	4	should	should	AUX
gujaf-373	187	5	consider	consider	VERB
gujaf-373	187	6	developing	develop	VERB
gujaf-373	187	7	performance	performance	NOUN
gujaf-373	187	8	-	-	PUNCT
gujaf-373	187	9	based	base	VERB
gujaf-373	187	10	incentives	incentive	NOUN
gujaf-373	187	11	for	for	ADP
gujaf-373	187	12	microfinance	microfinance	NOUN
gujaf-373	187	13	institutions	institution	NOUN
gujaf-373	187	14	(	(	PUNCT
gujaf-373	187	15	mfis	mfis	PROPN
gujaf-373	187	16	)	)	PUNCT
gujaf-373	187	17	that	that	PRON
gujaf-373	187	18	embed	embed	VERB
gujaf-373	187	19	financial	financial	ADJ
gujaf-373	187	20	education	education	NOUN
gujaf-373	187	21	into	into	ADP
gujaf-373	187	22	their	their	PRON
gujaf-373	187	23	service	service	NOUN
gujaf-373	187	24	offerings	offering	NOUN
gujaf-373	187	25	.	.	PUNCT
gujaf-373	188	1	regulatory	regulatory	ADJ
gujaf-373	188	2	frameworks	framework	NOUN
gujaf-373	188	3	from	from	ADP
gujaf-373	188	4	central	central	ADJ
gujaf-373	188	5	banks	bank	NOUN
gujaf-373	188	6	or	or	CCONJ
gujaf-373	188	7	financial	financial	ADJ
gujaf-373	188	8	supervisory	supervisory	ADJ
gujaf-373	188	9	authorities	authority	NOUN
gujaf-373	188	10	could	could	AUX
gujaf-373	188	11	mandate	mandate	VERB
gujaf-373	188	12	that	that	SCONJ
gujaf-373	188	13	a	a	DET
gujaf-373	188	14	proportion	proportion	NOUN
gujaf-373	188	15	of	of	ADP
gujaf-373	188	16	microfinance	microfinance	NOUN
gujaf-373	188	17	portfolios	portfolio	NOUN
gujaf-373	188	18	be	be	AUX
gujaf-373	188	19	devoted	devote	VERB
gujaf-373	188	20	to	to	ADP
gujaf-373	188	21	“	"	PUNCT
gujaf-373	188	22	financially	financially	ADV
gujaf-373	188	23	inclusive	inclusive	ADJ
gujaf-373	188	24	loans	loan	NOUN
gujaf-373	188	25	”	"	PUNCT
gujaf-373	188	26	that	that	PRON
gujaf-373	188	27	include	include	VERB
gujaf-373	188	28	education	education	NOUN
gujaf-373	188	29	and	and	CCONJ
gujaf-373	188	30	advisory	advisory	ADJ
gujaf-373	188	31	services	service	NOUN
gujaf-373	188	32	.	.	PUNCT
gujaf-373	189	1	this	this	DET
gujaf-373	189	2	policy	policy	NOUN
gujaf-373	189	3	approach	approach	NOUN
gujaf-373	189	4	could	could	AUX
gujaf-373	189	5	simultaneously	simultaneously	ADV
gujaf-373	189	6	safeguard	safeguard	VERB
gujaf-373	189	7	borrower	borrower	NOUN
gujaf-373	189	8	interests	interest	NOUN
gujaf-373	189	9	and	and	CCONJ
gujaf-373	189	10	reduce	reduce	VERB
gujaf-373	189	11	loan	loan	NOUN
gujaf-373	189	12	defaults	default	NOUN
gujaf-373	189	13	,	,	PUNCT
gujaf-373	189	14	ultimately	ultimately	ADV
gujaf-373	189	15	enhancing	enhance	VERB
gujaf-373	189	16	the	the	DET
gujaf-373	189	17	long	long	ADJ
gujaf-373	189	18	-	-	PUNCT
gujaf-373	189	19	term	term	NOUN
gujaf-373	189	20	sustainability	sustainability	NOUN
gujaf-373	189	21	of	of	ADP
gujaf-373	189	22	mfis	mfis	NOUN
gujaf-373	189	23	themselves	themselves	PRON
gujaf-373	189	24	(	(	PUNCT
gujaf-373	189	25	saad	saad	PROPN
gujaf-373	189	26	&	&	CCONJ
gujaf-373	189	27	anis	anis	PROPN
gujaf-373	189	28	,	,	PUNCT
gujaf-373	189	29	2021	2021	NUM
gujaf-373	189	30	)	)	PUNCT
gujaf-373	189	31	.	.	PUNCT
gujaf-373	190	1	incentivizing	incentivize	VERB
gujaf-373	190	2	mfis	mfis	NOUN
gujaf-373	190	3	along	along	ADP
gujaf-373	190	4	these	these	DET
gujaf-373	190	5	lines	line	NOUN
gujaf-373	190	6	ensures	ensure	VERB
gujaf-373	190	7	alignment	alignment	NOUN
gujaf-373	190	8	between	between	ADP
gujaf-373	190	9	financial	financial	ADJ
gujaf-373	190	10	and	and	CCONJ
gujaf-373	190	11	developmental	developmental	ADJ
gujaf-373	190	12	goals	goal	NOUN
gujaf-373	190	13	.	.	PUNCT
gujaf-373	191	1	finally	finally	ADV
gujaf-373	191	2	,	,	PUNCT
gujaf-373	191	3	the	the	DET
gujaf-373	191	4	results	result	NOUN
gujaf-373	191	5	support	support	VERB
gujaf-373	191	6	a	a	DET
gujaf-373	191	7	gender	gender	NOUN
gujaf-373	191	8	-	-	PUNCT
gujaf-373	191	9	sensitive	sensitive	ADJ
gujaf-373	191	10	entrepreneurial	entrepreneurial	ADJ
gujaf-373	191	11	policy	policy	NOUN
gujaf-373	191	12	framework	framework	NOUN
gujaf-373	191	13	.	.	PUNCT
gujaf-373	192	1	given	give	VERB
gujaf-373	192	2	that	that	SCONJ
gujaf-373	192	3	this	this	DET
gujaf-373	192	4	study	study	NOUN
gujaf-373	192	5	focuses	focus	VERB
gujaf-373	192	6	on	on	ADP
gujaf-373	192	7	women	woman	NOUN
gujaf-373	192	8	-	-	PUNCT
gujaf-373	192	9	led	lead	VERB
gujaf-373	192	10	smes	sme	NOUN
gujaf-373	192	11	,	,	PUNCT
gujaf-373	192	12	and	and	CCONJ
gujaf-373	192	13	that	that	SCONJ
gujaf-373	192	14	women	woman	NOUN
gujaf-373	192	15	are	be	AUX
gujaf-373	192	16	often	often	ADV
gujaf-373	192	17	disproportionately	disproportionately	ADV
gujaf-373	192	18	affected	affect	VERB
gujaf-373	192	19	by	by	ADP
gujaf-373	192	20	financial	financial	ADJ
gujaf-373	192	21	exclusion	exclusion	NOUN
gujaf-373	192	22	,	,	PUNCT
gujaf-373	192	23	policymakers	policymaker	NOUN
gujaf-373	192	24	must	must	AUX
gujaf-373	192	25	remove	remove	VERB
gujaf-373	192	26	systemic	systemic	ADJ
gujaf-373	192	27	barriers	barrier	NOUN
gujaf-373	192	28	to	to	ADP
gujaf-373	192	29	their	their	PRON
gujaf-373	192	30	participation	participation	NOUN
gujaf-373	192	31	in	in	ADP
gujaf-373	192	32	credit	credit	NOUN
gujaf-373	192	33	markets	market	NOUN
gujaf-373	192	34	.	.	PUNCT
gujaf-373	193	1	these	these	PRON
gujaf-373	193	2	include	include	VERB
gujaf-373	193	3	high	high	ADJ
gujaf-373	193	4	collateral	collateral	ADJ
gujaf-373	193	5	requirements	requirement	NOUN
gujaf-373	193	6	,	,	PUNCT
gujaf-373	193	7	discriminatory	discriminatory	ADJ
gujaf-373	193	8	lending	lending	NOUN
gujaf-373	193	9	practices	practice	NOUN
gujaf-373	193	10	,	,	PUNCT
gujaf-373	193	11	and	and	CCONJ
gujaf-373	193	12	limited	limited	ADJ
gujaf-373	193	13	property	property	NOUN
gujaf-373	193	14	rights	right	NOUN
gujaf-373	193	15	.	.	PUNCT
gujaf-373	194	1	integrating	integrate	VERB
gujaf-373	194	2	gender	gender	NOUN
gujaf-373	194	3	audits	audits	NOUN
gujaf-373	194	4	into	into	ADP
gujaf-373	194	5	sme	sme	NOUN
gujaf-373	194	6	and	and	CCONJ
gujaf-373	194	7	financial	financial	ADJ
gujaf-373	194	8	sector	sector	NOUN
gujaf-373	194	9	policy	policy	NOUN
gujaf-373	194	10	reforms	reform	NOUN
gujaf-373	194	11	can	can	AUX
gujaf-373	194	12	help	help	VERB
gujaf-373	194	13	tailor	tailor	NOUN
gujaf-373	194	14	support	support	NOUN
gujaf-373	194	15	mechanisms	mechanism	NOUN
gujaf-373	194	16	that	that	PRON
gujaf-373	194	17	reflect	reflect	VERB
gujaf-373	194	18	the	the	DET
gujaf-373	194	19	unique	unique	ADJ
gujaf-373	194	20	challenges	challenge	NOUN
gujaf-373	194	21	faced	face	VERB
gujaf-373	194	22	by	by	ADP
gujaf-373	194	23	women	woman	NOUN
gujaf-373	194	24	gusau	gusau	PROPN
gujaf-373	194	25	journal	journal	PROPN
gujaf-373	194	26	of	of	ADP
gujaf-373	194	27	accounting	accounting	NOUN
gujaf-373	194	28	and	and	CCONJ
gujaf-373	194	29	finance	finance	NOUN
gujaf-373	194	30	,	,	PUNCT
gujaf-373	194	31	vol.6	vol.6	PROPN
gujaf-373	194	32	,	,	PUNCT
gujaf-373	194	33	issue	issue	NOUN
gujaf-373	194	34	1	1	NUM
gujaf-373	194	35	,	,	PUNCT
gujaf-373	194	36	april	april	PROPN
gujaf-373	194	37	,	,	PUNCT
gujaf-373	194	38	2025	2025	NUM
gujaf-373	194	39	134	134	NUM
gujaf-373	194	40	entrepreneurs	entrepreneur	NOUN
gujaf-373	194	41	.	.	PUNCT
gujaf-373	195	1	such	such	ADJ
gujaf-373	195	2	gender	gender	NOUN
gujaf-373	195	3	-	-	PUNCT
gujaf-373	195	4	responsive	responsive	ADJ
gujaf-373	195	5	policy	policy	NOUN
gujaf-373	195	6	frameworks	framework	NOUN
gujaf-373	195	7	would	would	AUX
gujaf-373	195	8	not	not	PART
gujaf-373	195	9	only	only	ADV
gujaf-373	195	10	increase	increase	VERB
gujaf-373	195	11	business	business	NOUN
gujaf-373	195	12	sustainability	sustainability	NOUN
gujaf-373	195	13	but	but	CCONJ
gujaf-373	195	14	also	also	ADV
gujaf-373	195	15	contribute	contribute	VERB
gujaf-373	195	16	to	to	ADP
gujaf-373	195	17	broader	broad	ADJ
gujaf-373	195	18	goals	goal	NOUN
gujaf-373	195	19	of	of	ADP
gujaf-373	195	20	economic	economic	ADJ
gujaf-373	195	21	inclusion	inclusion	NOUN
gujaf-373	195	22	and	and	CCONJ
gujaf-373	195	23	poverty	poverty	NOUN
gujaf-373	195	24	reduction	reduction	NOUN
gujaf-373	195	25	(	(	PUNCT
gujaf-373	195	26	adebayo	adebayo	PROPN
gujaf-373	195	27	et	et	PROPN
gujaf-373	195	28	al	al	PROPN
gujaf-373	195	29	.	.	PROPN
gujaf-373	195	30	,	,	PUNCT
gujaf-373	195	31	2022	2022	NUM
gujaf-373	195	32	)	)	PUNCT
gujaf-373	195	33	.	.	PUNCT
gujaf-373	196	1	5.0	5.0	NUM
gujaf-373	196	2	conclusion	conclusion	NOUN
gujaf-373	196	3	this	this	DET
gujaf-373	196	4	study	study	NOUN
gujaf-373	196	5	provides	provide	VERB
gujaf-373	196	6	empirical	empirical	ADJ
gujaf-373	196	7	evidence	evidence	NOUN
gujaf-373	196	8	on	on	ADP
gujaf-373	196	9	the	the	DET
gujaf-373	196	10	interrelated	interrelated	ADJ
gujaf-373	196	11	roles	role	NOUN
gujaf-373	196	12	of	of	ADP
gujaf-373	196	13	microfinance	microfinance	NOUN
gujaf-373	196	14	access	access	NOUN
gujaf-373	196	15	and	and	CCONJ
gujaf-373	196	16	financial	financial	ADJ
gujaf-373	196	17	literacy	literacy	NOUN
gujaf-373	196	18	in	in	ADP
gujaf-373	196	19	enhancing	enhance	VERB
gujaf-373	196	20	the	the	DET
gujaf-373	196	21	business	business	NOUN
gujaf-373	196	22	sustainability	sustainability	NOUN
gujaf-373	196	23	of	of	ADP
gujaf-373	196	24	women	woman	NOUN
gujaf-373	196	25	-	-	PUNCT
gujaf-373	196	26	led	lead	VERB
gujaf-373	196	27	small	small	ADJ
gujaf-373	196	28	and	and	CCONJ
gujaf-373	196	29	medium	medium	ADJ
gujaf-373	196	30	enterprises	enterprise	NOUN
gujaf-373	196	31	(	(	PUNCT
gujaf-373	196	32	smes	sme	NOUN
gujaf-373	196	33	)	)	PUNCT
gujaf-373	196	34	in	in	ADP
gujaf-373	196	35	nigeria	nigeria	PROPN
gujaf-373	196	36	.	.	PUNCT
gujaf-373	197	1	the	the	DET
gujaf-373	197	2	findings	finding	NOUN
gujaf-373	197	3	affirm	affirm	NOUN
gujaf-373	197	4	that	that	SCONJ
gujaf-373	197	5	both	both	PRON
gujaf-373	197	6	microfinance	microfinance	NOUN
gujaf-373	197	7	and	and	CCONJ
gujaf-373	197	8	financial	financial	ADJ
gujaf-373	197	9	literacy	literacy	NOUN
gujaf-373	197	10	independently	independently	ADV
gujaf-373	197	11	contribute	contribute	VERB
gujaf-373	197	12	to	to	ADP
gujaf-373	197	13	enterprise	enterprise	NOUN
gujaf-373	197	14	sustainability	sustainability	NOUN
gujaf-373	197	15	,	,	PUNCT
gujaf-373	197	16	with	with	ADP
gujaf-373	197	17	financial	financial	ADJ
gujaf-373	197	18	literacy	literacy	NOUN
gujaf-373	197	19	also	also	ADV
gujaf-373	197	20	serving	serve	VERB
gujaf-373	197	21	as	as	ADP
gujaf-373	197	22	a	a	DET
gujaf-373	197	23	statistically	statistically	ADV
gujaf-373	197	24	significant	significant	ADJ
gujaf-373	197	25	mediating	mediating	NOUN
gujaf-373	197	26	factor	factor	NOUN
gujaf-373	197	27	.	.	PUNCT
gujaf-373	198	1	these	these	DET
gujaf-373	198	2	results	result	NOUN
gujaf-373	198	3	underscore	underscore	VERB
gujaf-373	198	4	the	the	DET
gujaf-373	198	5	importance	importance	NOUN
gujaf-373	198	6	of	of	ADP
gujaf-373	198	7	integrating	integrate	VERB
gujaf-373	198	8	financial	financial	ADJ
gujaf-373	198	9	knowledge	knowledge	NOUN
gujaf-373	198	10	with	with	ADP
gujaf-373	198	11	access	access	NOUN
gujaf-373	198	12	to	to	ADP
gujaf-373	198	13	credit	credit	NOUN
gujaf-373	198	14	as	as	ADP
gujaf-373	198	15	a	a	DET
gujaf-373	198	16	dual	dual	ADJ
gujaf-373	198	17	strategy	strategy	NOUN
gujaf-373	198	18	for	for	ADP
gujaf-373	198	19	promoting	promote	VERB
gujaf-373	198	20	enterprise	enterprise	NOUN
gujaf-373	198	21	longevity	longevity	NOUN
gujaf-373	198	22	and	and	CCONJ
gujaf-373	198	23	performance	performance	NOUN
gujaf-373	198	24	,	,	PUNCT
gujaf-373	198	25	particularly	particularly	ADV
gujaf-373	198	26	in	in	ADP
gujaf-373	198	27	resource	resource	NOUN
gujaf-373	198	28	-	-	PUNCT
gujaf-373	198	29	constrained	constrain	VERB
gujaf-373	198	30	contexts	contexts	NOUN
gujaf-373	198	31	where	where	SCONJ
gujaf-373	198	32	women	woman	NOUN
gujaf-373	198	33	entrepreneurs	entrepreneur	NOUN
gujaf-373	198	34	face	face	VERB
gujaf-373	198	35	structural	structural	ADJ
gujaf-373	198	36	and	and	CCONJ
gujaf-373	198	37	institutional	institutional	ADJ
gujaf-373	198	38	barriers	barrier	NOUN
gujaf-373	198	39	.	.	PUNCT
gujaf-373	199	1	the	the	DET
gujaf-373	199	2	study	study	NOUN
gujaf-373	199	3	contributes	contribute	VERB
gujaf-373	199	4	to	to	ADP
gujaf-373	199	5	existing	exist	VERB
gujaf-373	199	6	literature	literature	NOUN
gujaf-373	199	7	by	by	ADP
gujaf-373	199	8	moving	move	VERB
gujaf-373	199	9	beyond	beyond	ADP
gujaf-373	199	10	a	a	DET
gujaf-373	199	11	unidimensional	unidimensional	ADJ
gujaf-373	199	12	understanding	understanding	NOUN
gujaf-373	199	13	of	of	ADP
gujaf-373	199	14	microfinance	microfinance	NOUN
gujaf-373	199	15	to	to	PART
gujaf-373	199	16	illuminate	illuminate	VERB
gujaf-373	199	17	the	the	DET
gujaf-373	199	18	cognitive	cognitive	ADJ
gujaf-373	199	19	mechanisms	mechanism	NOUN
gujaf-373	199	20	,	,	PUNCT
gujaf-373	199	21	namely	namely	ADV
gujaf-373	199	22	financial	financial	ADJ
gujaf-373	199	23	literacy	literacy	NOUN
gujaf-373	199	24	,	,	PUNCT
gujaf-373	199	25	through	through	ADP
gujaf-373	199	26	which	which	PRON
gujaf-373	199	27	access	access	NOUN
gujaf-373	199	28	to	to	ADP
gujaf-373	199	29	financial	financial	ADJ
gujaf-373	199	30	services	service	NOUN
gujaf-373	199	31	translates	translate	VERB
gujaf-373	199	32	into	into	ADP
gujaf-373	199	33	tangible	tangible	ADJ
gujaf-373	199	34	entrepreneurial	entrepreneurial	ADJ
gujaf-373	199	35	outcomes	outcome	NOUN
gujaf-373	199	36	(	(	PUNCT
gujaf-373	199	37	musie	musie	X
gujaf-373	199	38	et	et	PROPN
gujaf-373	199	39	al	al	PROPN
gujaf-373	199	40	.	.	PROPN
gujaf-373	199	41	,	,	PUNCT
gujaf-373	199	42	2020	2020	NUM
gujaf-373	199	43	;	;	PUNCT
gujaf-373	199	44	lusardi	lusardi	PROPN
gujaf-373	199	45	&	&	CCONJ
gujaf-373	199	46	mitchell	mitchell	PROPN
gujaf-373	199	47	,	,	PUNCT
gujaf-373	199	48	2020	2020	NUM
gujaf-373	199	49	)	)	PUNCT
gujaf-373	199	50	.	.	PUNCT
gujaf-373	200	1	the	the	DET
gujaf-373	200	2	mediation	mediation	NOUN
gujaf-373	200	3	analysis	analysis	NOUN
gujaf-373	200	4	,	,	PUNCT
gujaf-373	200	5	supported	support	VERB
gujaf-373	200	6	by	by	ADP
gujaf-373	200	7	robust	robust	ADJ
gujaf-373	200	8	bootstrapping	bootstrapping	ADJ
gujaf-373	200	9	procedures	procedure	NOUN
gujaf-373	200	10	,	,	PUNCT
gujaf-373	200	11	confirms	confirm	VERB
gujaf-373	200	12	that	that	SCONJ
gujaf-373	200	13	financial	financial	ADJ
gujaf-373	200	14	literacy	literacy	NOUN
gujaf-373	200	15	acts	act	VERB
gujaf-373	200	16	as	as	ADP
gujaf-373	200	17	a	a	DET
gujaf-373	200	18	crucial	crucial	ADJ
gujaf-373	200	19	enabler	enabler	NOUN
gujaf-373	200	20	in	in	ADP
gujaf-373	200	21	the	the	DET
gujaf-373	200	22	productive	productive	ADJ
gujaf-373	200	23	utilization	utilization	NOUN
gujaf-373	200	24	of	of	ADP
gujaf-373	200	25	microfinance	microfinance	NOUN
gujaf-373	200	26	.	.	PUNCT
gujaf-373	201	1	this	this	DET
gujaf-373	201	2	finding	finding	NOUN
gujaf-373	201	3	resonates	resonate	VERB
gujaf-373	201	4	with	with	ADP
gujaf-373	201	5	capability	capability	NOUN
gujaf-373	201	6	-	-	PUNCT
gujaf-373	201	7	based	base	VERB
gujaf-373	201	8	theories	theory	NOUN
gujaf-373	201	9	of	of	ADP
gujaf-373	201	10	development	development	NOUN
gujaf-373	201	11	,	,	PUNCT
gujaf-373	201	12	which	which	PRON
gujaf-373	201	13	assert	assert	VERB
gujaf-373	201	14	that	that	SCONJ
gujaf-373	201	15	the	the	DET
gujaf-373	201	16	mere	mere	ADJ
gujaf-373	201	17	provision	provision	NOUN
gujaf-373	201	18	of	of	ADP
gujaf-373	201	19	resources	resource	NOUN
gujaf-373	201	20	is	be	AUX
gujaf-373	201	21	insufficient	insufficient	ADJ
gujaf-373	201	22	unless	unless	SCONJ
gujaf-373	201	23	accompanied	accompany	VERB
gujaf-373	201	24	by	by	ADP
gujaf-373	201	25	the	the	DET
gujaf-373	201	26	knowledge	knowledge	NOUN
gujaf-373	201	27	and	and	CCONJ
gujaf-373	201	28	skills	skill	NOUN
gujaf-373	201	29	to	to	PART
gujaf-373	201	30	deploy	deploy	VERB
gujaf-373	201	31	them	they	PRON
gujaf-373	201	32	effectively	effectively	ADV
gujaf-373	201	33	(	(	PUNCT
gujaf-373	201	34	world	world	PROPN
gujaf-373	201	35	bank	bank	PROPN
gujaf-373	201	36	,	,	PUNCT
gujaf-373	201	37	2023	2023	NUM
gujaf-373	201	38	)	)	PUNCT
gujaf-373	201	39	.	.	PUNCT
gujaf-373	202	1	several	several	ADJ
gujaf-373	202	2	limitations	limitation	NOUN
gujaf-373	202	3	should	should	AUX
gujaf-373	202	4	be	be	AUX
gujaf-373	202	5	acknowledged	acknowledge	VERB
gujaf-373	202	6	.	.	PUNCT
gujaf-373	203	1	first	first	ADV
gujaf-373	203	2	,	,	PUNCT
gujaf-373	203	3	the	the	DET
gujaf-373	203	4	study	study	NOUN
gujaf-373	203	5	is	be	AUX
gujaf-373	203	6	cross	cross	ADJ
gujaf-373	203	7	-	-	ADJ
gujaf-373	203	8	sectional	sectional	ADJ
gujaf-373	203	9	in	in	ADP
gujaf-373	203	10	nature	nature	NOUN
gujaf-373	203	11	,	,	PUNCT
gujaf-373	203	12	limiting	limit	VERB
gujaf-373	203	13	the	the	DET
gujaf-373	203	14	ability	ability	NOUN
gujaf-373	203	15	to	to	PART
gujaf-373	203	16	infer	infer	VERB
gujaf-373	203	17	causality	causality	NOUN
gujaf-373	203	18	or	or	CCONJ
gujaf-373	203	19	capture	capture	VERB
gujaf-373	203	20	long	long	ADJ
gujaf-373	203	21	-	-	PUNCT
gujaf-373	203	22	term	term	NOUN
gujaf-373	203	23	dynamics	dynamic	NOUN
gujaf-373	203	24	in	in	ADP
gujaf-373	203	25	the	the	DET
gujaf-373	203	26	microfinance	microfinance	NOUN
gujaf-373	203	27	–	–	PUNCT
gujaf-373	203	28	literacy	literacy	NOUN
gujaf-373	203	29	–	–	PUNCT
gujaf-373	203	30	sustainability	sustainability	NOUN
gujaf-373	203	31	nexus	nexus	NOUN
gujaf-373	203	32	.	.	PUNCT
gujaf-373	204	1	second	second	ADJ
gujaf-373	204	2	,	,	PUNCT
gujaf-373	204	3	although	although	SCONJ
gujaf-373	204	4	the	the	DET
gujaf-373	204	5	sample	sample	NOUN
gujaf-373	204	6	is	be	AUX
gujaf-373	204	7	representative	representative	NOUN
gujaf-373	204	8	of	of	ADP
gujaf-373	204	9	women	woman	NOUN
gujaf-373	204	10	-	-	PUNCT
gujaf-373	204	11	led	lead	VERB
gujaf-373	204	12	smes	sme	NOUN
gujaf-373	204	13	in	in	ADP
gujaf-373	204	14	urban	urban	ADJ
gujaf-373	204	15	and	and	CCONJ
gujaf-373	204	16	peri	peri	NOUN
gujaf-373	204	17	-	-	PUNCT
gujaf-373	204	18	urban	urban	PROPN
gujaf-373	204	19	nigeria	nigeria	PROPN
gujaf-373	204	20	,	,	PUNCT
gujaf-373	204	21	the	the	DET
gujaf-373	204	22	generalizability	generalizability	NOUN
gujaf-373	204	23	of	of	ADP
gujaf-373	204	24	findings	finding	NOUN
gujaf-373	204	25	to	to	ADP
gujaf-373	204	26	rural	rural	ADJ
gujaf-373	204	27	contexts	context	NOUN
gujaf-373	204	28	or	or	CCONJ
gujaf-373	204	29	other	other	ADJ
gujaf-373	204	30	developing	develop	VERB
gujaf-373	204	31	economies	economy	NOUN
gujaf-373	204	32	may	may	AUX
gujaf-373	204	33	be	be	AUX
gujaf-373	204	34	constrained	constrain	VERB
gujaf-373	204	35	.	.	PUNCT
gujaf-373	205	1	third	third	ADJ
gujaf-373	205	2	,	,	PUNCT
gujaf-373	205	3	the	the	DET
gujaf-373	205	4	measurement	measurement	NOUN
gujaf-373	205	5	of	of	ADP
gujaf-373	205	6	financial	financial	ADJ
gujaf-373	205	7	literacy	literacy	NOUN
gujaf-373	205	8	,	,	PUNCT
gujaf-373	205	9	while	while	SCONJ
gujaf-373	205	10	comprehensive	comprehensive	ADJ
gujaf-373	205	11	,	,	PUNCT
gujaf-373	205	12	remains	remain	VERB
gujaf-373	205	13	self	self	NOUN
gujaf-373	205	14	-	-	PUNCT
gujaf-373	205	15	reported	report	VERB
gujaf-373	205	16	and	and	CCONJ
gujaf-373	205	17	may	may	AUX
gujaf-373	205	18	suffer	suffer	VERB
gujaf-373	205	19	from	from	ADP
gujaf-373	205	20	response	response	NOUN
gujaf-373	205	21	bias	bias	NOUN
gujaf-373	205	22	.	.	PUNCT
gujaf-373	206	1	these	these	DET
gujaf-373	206	2	limitations	limitation	NOUN
gujaf-373	206	3	present	present	VERB
gujaf-373	206	4	opportunities	opportunity	NOUN
gujaf-373	206	5	for	for	ADP
gujaf-373	206	6	refinement	refinement	NOUN
gujaf-373	206	7	through	through	ADP
gujaf-373	206	8	longitudinal	longitudinal	ADJ
gujaf-373	206	9	studies	study	NOUN
gujaf-373	206	10	,	,	PUNCT
gujaf-373	206	11	experimental	experimental	ADJ
gujaf-373	206	12	interventions	intervention	NOUN
gujaf-373	206	13	,	,	PUNCT
gujaf-373	206	14	and	and	CCONJ
gujaf-373	206	15	multi	multi	ADJ
gujaf-373	206	16	-	-	ADJ
gujaf-373	206	17	country	country	ADJ
gujaf-373	206	18	comparative	comparative	ADJ
gujaf-373	206	19	analyses	analysis	NOUN
gujaf-373	206	20	in	in	ADP
gujaf-373	206	21	future	future	ADJ
gujaf-373	206	22	research	research	NOUN
gujaf-373	206	23	.	.	PUNCT
gujaf-373	207	1	based	base	VERB
gujaf-373	207	2	on	on	ADP
gujaf-373	207	3	the	the	DET
gujaf-373	207	4	findings	finding	NOUN
gujaf-373	207	5	,	,	PUNCT
gujaf-373	207	6	several	several	ADJ
gujaf-373	207	7	actionable	actionable	ADJ
gujaf-373	207	8	recommendations	recommendation	NOUN
gujaf-373	207	9	are	be	AUX
gujaf-373	207	10	proposed	propose	VERB
gujaf-373	207	11	.	.	PUNCT
gujaf-373	208	1	policymakers	policymaker	NOUN
gujaf-373	208	2	should	should	AUX
gujaf-373	208	3	design	design	VERB
gujaf-373	208	4	integrated	integrate	VERB
gujaf-373	208	5	microfinance	microfinance	NOUN
gujaf-373	208	6	schemes	scheme	NOUN
gujaf-373	208	7	that	that	PRON
gujaf-373	208	8	combine	combine	VERB
gujaf-373	208	9	lending	lend	VERB
gujaf-373	208	10	with	with	ADP
gujaf-373	208	11	structured	structured	ADJ
gujaf-373	208	12	financial	financial	ADJ
gujaf-373	208	13	literacy	literacy	NOUN
gujaf-373	208	14	training	training	NOUN
gujaf-373	208	15	.	.	PUNCT
gujaf-373	209	1	such	such	ADJ
gujaf-373	209	2	programs	program	NOUN
gujaf-373	209	3	should	should	AUX
gujaf-373	209	4	be	be	AUX
gujaf-373	209	5	decentralized	decentralize	VERB
gujaf-373	209	6	and	and	CCONJ
gujaf-373	209	7	tailored	tailor	VERB
gujaf-373	209	8	to	to	ADP
gujaf-373	209	9	local	local	ADJ
gujaf-373	209	10	languages	language	NOUN
gujaf-373	209	11	,	,	PUNCT
gujaf-373	209	12	digital	digital	ADJ
gujaf-373	209	13	capacities	capacity	NOUN
gujaf-373	209	14	,	,	PUNCT
gujaf-373	209	15	and	and	CCONJ
gujaf-373	209	16	socio	socio	NOUN
gujaf-373	209	17	-	-	PUNCT
gujaf-373	209	18	cultural	cultural	ADJ
gujaf-373	209	19	contexts	contexts	NOUN
gujaf-373	209	20	to	to	PART
gujaf-373	209	21	enhance	enhance	VERB
gujaf-373	209	22	accessibility	accessibility	NOUN
gujaf-373	209	23	,	,	PUNCT
gujaf-373	209	24	especially	especially	ADV
gujaf-373	209	25	for	for	ADP
gujaf-373	209	26	rural	rural	ADJ
gujaf-373	209	27	entrepreneurs	entrepreneur	NOUN
gujaf-373	209	28	.	.	PUNCT
gujaf-373	210	1	additionally	additionally	ADV
gujaf-373	210	2	,	,	PUNCT
gujaf-373	210	3	financial	financial	ADJ
gujaf-373	210	4	education	education	NOUN
gujaf-373	210	5	should	should	AUX
gujaf-373	210	6	be	be	AUX
gujaf-373	210	7	institutionalized	institutionalize	VERB
gujaf-373	210	8	across	across	ADP
gujaf-373	210	9	formal	formal	ADJ
gujaf-373	210	10	and	and	CCONJ
gujaf-373	210	11	informal	informal	ADJ
gujaf-373	210	12	education	education	NOUN
gujaf-373	210	13	platforms	platform	NOUN
gujaf-373	210	14	to	to	PART
gujaf-373	210	15	ensure	ensure	VERB
gujaf-373	210	16	that	that	SCONJ
gujaf-373	210	17	foundational	foundational	ADJ
gujaf-373	210	18	financial	financial	ADJ
gujaf-373	210	19	capabilities	capability	NOUN
gujaf-373	210	20	are	be	AUX
gujaf-373	210	21	built	build	VERB
gujaf-373	210	22	early	early	ADV
gujaf-373	210	23	and	and	CCONJ
gujaf-373	210	24	systematically	systematically	ADV
gujaf-373	210	25	.	.	PUNCT
gujaf-373	211	1	microfinance	microfinance	NOUN
gujaf-373	211	2	institutions	institution	NOUN
gujaf-373	211	3	,	,	PUNCT
gujaf-373	211	4	regulators	regulator	NOUN
gujaf-373	211	5	,	,	PUNCT
gujaf-373	211	6	and	and	CCONJ
gujaf-373	211	7	development	development	NOUN
gujaf-373	211	8	partners	partner	NOUN
gujaf-373	211	9	should	should	AUX
gujaf-373	211	10	collaborate	collaborate	VERB
gujaf-373	211	11	in	in	ADP
gujaf-373	211	12	developing	develop	VERB
gujaf-373	211	13	certification	certification	NOUN
gujaf-373	211	14	systems	system	NOUN
gujaf-373	211	15	to	to	PART
gujaf-373	211	16	ensure	ensure	VERB
gujaf-373	211	17	the	the	DET
gujaf-373	211	18	quality	quality	NOUN
gujaf-373	211	19	and	and	CCONJ
gujaf-373	211	20	consistency	consistency	NOUN
gujaf-373	211	21	of	of	ADP
gujaf-373	211	22	literacy	literacy	NOUN
gujaf-373	211	23	training	training	NOUN
gujaf-373	211	24	.	.	PUNCT
gujaf-373	212	1	future	future	ADJ
gujaf-373	212	2	research	research	NOUN
gujaf-373	212	3	should	should	AUX
gujaf-373	212	4	focus	focus	VERB
gujaf-373	212	5	on	on	ADP
gujaf-373	212	6	exploring	explore	VERB
gujaf-373	212	7	sector	sector	NOUN
gujaf-373	212	8	-	-	PUNCT
gujaf-373	212	9	specific	specific	ADJ
gujaf-373	212	10	differences	difference	NOUN
gujaf-373	212	11	in	in	ADP
gujaf-373	212	12	the	the	DET
gujaf-373	212	13	impact	impact	NOUN
gujaf-373	212	14	of	of	ADP
gujaf-373	212	15	financial	financial	ADJ
gujaf-373	212	16	literacy	literacy	NOUN
gujaf-373	212	17	and	and	CCONJ
gujaf-373	212	18	microfinance	microfinance	NOUN
gujaf-373	212	19	on	on	ADP
gujaf-373	212	20	sustainability	sustainability	NOUN
gujaf-373	212	21	,	,	PUNCT
gujaf-373	212	22	as	as	SCONJ
gujaf-373	212	23	women	woman	NOUN
gujaf-373	212	24	entrepreneurs	entrepreneur	NOUN
gujaf-373	212	25	in	in	ADP
gujaf-373	212	26	agriculture	agriculture	NOUN
gujaf-373	212	27	,	,	PUNCT
gujaf-373	212	28	retail	retail	NOUN
gujaf-373	212	29	,	,	PUNCT
gujaf-373	212	30	and	and	CCONJ
gujaf-373	212	31	services	service	NOUN
gujaf-373	212	32	may	may	AUX
gujaf-373	212	33	face	face	VERB
gujaf-373	212	34	divergent	divergent	ADJ
gujaf-373	212	35	constraints	constraint	NOUN
gujaf-373	212	36	and	and	CCONJ
gujaf-373	212	37	knowledge	knowledge	NOUN
gujaf-373	212	38	needs	need	NOUN
gujaf-373	212	39	(	(	PUNCT
gujaf-373	212	40	adebayo	adebayo	PROPN
gujaf-373	212	41	et	et	PROPN
gujaf-373	212	42	al	al	PROPN
gujaf-373	212	43	.	.	PROPN
gujaf-373	212	44	,	,	PUNCT
gujaf-373	212	45	2022	2022	NUM
gujaf-373	212	46	)	)	PUNCT
gujaf-373	212	47	.	.	PUNCT
gujaf-373	213	1	there	there	PRON
gujaf-373	213	2	is	be	VERB
gujaf-373	213	3	also	also	ADV
gujaf-373	213	4	a	a	DET
gujaf-373	213	5	need	need	NOUN
gujaf-373	213	6	to	to	PART
gujaf-373	213	7	examine	examine	VERB
gujaf-373	213	8	the	the	DET
gujaf-373	213	9	potential	potential	ADJ
gujaf-373	213	10	moderating	moderate	VERB
gujaf-373	213	11	role	role	NOUN
gujaf-373	213	12	of	of	ADP
gujaf-373	213	13	digital	digital	ADJ
gujaf-373	213	14	financial	financial	ADJ
gujaf-373	213	15	inclusion	inclusion	NOUN
gujaf-373	213	16	,	,	PUNCT
gujaf-373	213	17	particularly	particularly	ADV
gujaf-373	213	18	given	give	VERB
gujaf-373	213	19	the	the	DET
gujaf-373	213	20	increasing	increase	VERB
gujaf-373	213	21	penetration	penetration	NOUN
gujaf-373	213	22	of	of	ADP
gujaf-373	213	23	mobile	mobile	ADJ
gujaf-373	213	24	money	money	NOUN
gujaf-373	213	25	and	and	CCONJ
gujaf-373	213	26	fintech	fintech	NOUN
gujaf-373	213	27	solutions	solution	NOUN
gujaf-373	213	28	in	in	ADP
gujaf-373	213	29	sub	sub	ADJ
gujaf-373	213	30	-	-	ADJ
gujaf-373	213	31	saharan	saharan	ADJ
gujaf-373	213	32	africa	africa	PROPN
gujaf-373	213	33	.	.	PUNCT
gujaf-373	214	1	gusau	gusau	PROPN
gujaf-373	214	2	journal	journal	PROPN
gujaf-373	214	3	of	of	ADP
gujaf-373	214	4	accounting	accounting	NOUN
gujaf-373	214	5	and	and	CCONJ
gujaf-373	214	6	finance	finance	NOUN
gujaf-373	214	7	,	,	PUNCT
gujaf-373	214	8	vol.6	vol.6	PROPN
gujaf-373	214	9	,	,	PUNCT
gujaf-373	214	10	issue	issue	NOUN
gujaf-373	214	11	1	1	NUM
gujaf-373	214	12	,	,	PUNCT
gujaf-373	214	13	april	april	PROPN
gujaf-373	214	14	,	,	PUNCT
gujaf-373	214	15	2025	2025	NUM
gujaf-373	214	16	135	135	NUM
gujaf-373	214	17	experimental	experimental	ADJ
gujaf-373	214	18	or	or	CCONJ
gujaf-373	214	19	quasi	quasi	ADJ
gujaf-373	214	20	-	-	ADJ
gujaf-373	214	21	experimental	experimental	ADJ
gujaf-373	214	22	designs	design	NOUN
gujaf-373	214	23	could	could	AUX
gujaf-373	214	24	provide	provide	VERB
gujaf-373	214	25	stronger	strong	ADJ
gujaf-373	214	26	causal	causal	ADJ
gujaf-373	214	27	inference	inference	NOUN
gujaf-373	214	28	regarding	regard	VERB
gujaf-373	214	29	the	the	DET
gujaf-373	214	30	effects	effect	NOUN
gujaf-373	214	31	of	of	ADP
gujaf-373	214	32	literacy	literacy	NOUN
gujaf-373	214	33	interventions	intervention	NOUN
gujaf-373	214	34	on	on	ADP
gujaf-373	214	35	firm	firm	ADJ
gujaf-373	214	36	outcomes	outcome	NOUN
gujaf-373	214	37	.	.	PUNCT
gujaf-373	215	1	moreover	moreover	ADV
gujaf-373	215	2	,	,	PUNCT
gujaf-373	215	3	investigating	investigate	VERB
gujaf-373	215	4	the	the	DET
gujaf-373	215	5	long	long	ADJ
gujaf-373	215	6	-	-	PUNCT
gujaf-373	215	7	term	term	NOUN
gujaf-373	215	8	sustainability	sustainability	NOUN
gujaf-373	215	9	implications	implication	NOUN
gujaf-373	215	10	,	,	PUNCT
gujaf-373	215	11	such	such	ADJ
gujaf-373	215	12	as	as	ADP
gujaf-373	215	13	profit	profit	NOUN
gujaf-373	215	14	reinvestment	reinvestment	NOUN
gujaf-373	215	15	,	,	PUNCT
gujaf-373	215	16	employee	employee	NOUN
gujaf-373	215	17	growth	growth	NOUN
gujaf-373	215	18	,	,	PUNCT
gujaf-373	215	19	or	or	CCONJ
gujaf-373	215	20	export	export	NOUN
gujaf-373	215	21	potential	potential	NOUN
gujaf-373	215	22	,	,	PUNCT
gujaf-373	215	23	would	would	AUX
gujaf-373	215	24	deepen	deepen	VERB
gujaf-373	215	25	understanding	understanding	NOUN
gujaf-373	215	26	of	of	ADP
gujaf-373	215	27	how	how	SCONJ
gujaf-373	215	28	microfinance	microfinance	NOUN
gujaf-373	215	29	and	and	CCONJ
gujaf-373	215	30	financial	financial	ADJ
gujaf-373	215	31	knowledge	knowledge	NOUN
gujaf-373	215	32	interact	interact	VERB
gujaf-373	215	33	over	over	ADP
gujaf-373	215	34	time	time	NOUN
gujaf-373	215	35	.	.	PUNCT
gujaf-373	216	1	references	reference	NOUN
gujaf-373	216	2	adebayo	adebayo	PROPN
gujaf-373	216	3	,	,	PUNCT
gujaf-373	216	4	a.	a.	NOUN
gujaf-373	216	5	m.	m.	NOUN
gujaf-373	216	6	,	,	PUNCT
gujaf-373	216	7	&	&	CCONJ
gujaf-373	216	8	ayodele	ayodele	PROPN
gujaf-373	216	9	,	,	PUNCT
gujaf-373	216	10	o.	o.	PROPN
gujaf-373	216	11	j.	j.	PROPN
gujaf-373	216	12	(	(	PUNCT
gujaf-373	216	13	2020	2020	NUM
gujaf-373	216	14	)	)	PUNCT
gujaf-373	216	15	.	.	PUNCT
gujaf-373	217	1	financial	financial	ADJ
gujaf-373	217	2	literacy	literacy	NOUN
gujaf-373	217	3	and	and	CCONJ
gujaf-373	217	4	microenterprise	microenterprise	VERB
gujaf-373	217	5	performance	performance	NOUN
gujaf-373	217	6	in	in	ADP
gujaf-373	217	7	nigeria	nigeria	PROPN
gujaf-373	217	8	.	.	PUNCT
gujaf-373	218	1	journal	journal	PROPN
gujaf-373	218	2	of	of	ADP
gujaf-373	218	3	small	small	ADJ
gujaf-373	218	4	business	business	NOUN
gujaf-373	218	5	and	and	CCONJ
gujaf-373	218	6	enterprise	enterprise	NOUN
gujaf-373	218	7	development	development	NOUN
gujaf-373	218	8	,	,	PUNCT
gujaf-373	218	9	27(4	27(4	PROPN
gujaf-373	218	10	)	)	PUNCT
gujaf-373	218	11	,	,	PUNCT
gujaf-373	218	12	593–611	593–611	NUM
gujaf-373	218	13	.	.	PUNCT
gujaf-373	219	1	adebayo	adebayo	PROPN
gujaf-373	219	2	,	,	PUNCT
gujaf-373	219	3	r.	r.	PROPN
gujaf-373	219	4	i.	i.	PROPN
gujaf-373	219	5	,	,	PUNCT
gujaf-373	219	6	ibrahim	ibrahim	PROPN
gujaf-373	219	7	,	,	PUNCT
gujaf-373	219	8	o.	o.	PROPN
gujaf-373	219	9	i.	i.	PROPN
gujaf-373	219	10	,	,	PUNCT
gujaf-373	219	11	&	&	CCONJ
gujaf-373	219	12	sulaimon	sulaimon	PROPN
gujaf-373	219	13	,	,	PUNCT
gujaf-373	219	14	t.	t.	NOUN
gujaf-373	219	15	a.	a.	NOUN
gujaf-373	219	16	(	(	PUNCT
gujaf-373	219	17	2022	2022	NUM
gujaf-373	219	18	)	)	PUNCT
gujaf-373	219	19	.	.	PUNCT
gujaf-373	220	1	financial	financial	ADJ
gujaf-373	220	2	literacy	literacy	NOUN
gujaf-373	220	3	and	and	CCONJ
gujaf-373	220	4	the	the	DET
gujaf-373	220	5	performance	performance	NOUN
gujaf-373	220	6	of	of	ADP
gujaf-373	220	7	women	woman	NOUN
gujaf-373	220	8	-	-	PUNCT
gujaf-373	220	9	owned	own	VERB
gujaf-373	220	10	smes	sme	NOUN
gujaf-373	220	11	in	in	ADP
gujaf-373	220	12	nigeria	nigeria	PROPN
gujaf-373	220	13	.	.	PUNCT
gujaf-373	221	1	international	international	ADJ
gujaf-373	221	2	journal	journal	PROPN
gujaf-373	221	3	of	of	ADP
gujaf-373	221	4	financial	financial	ADJ
gujaf-373	221	5	research	research	NOUN
gujaf-373	221	6	,	,	PUNCT
gujaf-373	221	7	13(1	13(1	NUM
gujaf-373	221	8	)	)	PUNCT
gujaf-373	221	9	,	,	PUNCT
gujaf-373	221	10	25–39	25–39	NUM
gujaf-373	221	11	.	.	PUNCT
gujaf-373	221	12	adeoye	adeoye	PROPN
gujaf-373	221	13	,	,	PUNCT
gujaf-373	221	14	a.	a.	PROPN
gujaf-373	221	15	o.	o.	PROPN
gujaf-373	221	16	,	,	PUNCT
gujaf-373	221	17	oni	oni	PROPN
gujaf-373	221	18	,	,	PUNCT
gujaf-373	221	19	t.	t.	PROPN
gujaf-373	221	20	e.	e.	PROPN
gujaf-373	221	21	,	,	PUNCT
gujaf-373	221	22	&	&	CCONJ
gujaf-373	221	23	balogun	balogun	VERB
gujaf-373	221	24	,	,	PUNCT
gujaf-373	221	25	o.	o.	PROPN
gujaf-373	221	26	j.	j.	PROPN
gujaf-373	221	27	(	(	PUNCT
gujaf-373	221	28	2023	2023	NUM
gujaf-373	221	29	)	)	PUNCT
gujaf-373	221	30	.	.	PUNCT
gujaf-373	222	1	financial	financial	ADJ
gujaf-373	222	2	inclusion	inclusion	NOUN
gujaf-373	222	3	and	and	CCONJ
gujaf-373	222	4	the	the	DET
gujaf-373	222	5	performance	performance	NOUN
gujaf-373	222	6	of	of	ADP
gujaf-373	222	7	women	woman	NOUN
gujaf-373	222	8	-	-	PUNCT
gujaf-373	222	9	owned	own	VERB
gujaf-373	222	10	businesses	business	NOUN
gujaf-373	222	11	in	in	ADP
gujaf-373	222	12	nigeria	nigeria	PROPN
gujaf-373	222	13	.	.	PUNCT
gujaf-373	223	1	journal	journal	PROPN
gujaf-373	223	2	of	of	ADP
gujaf-373	223	3	african	african	ADJ
gujaf-373	223	4	business	business	NOUN
gujaf-373	223	5	,	,	PUNCT
gujaf-373	223	6	24(1	24(1	NUM
gujaf-373	223	7	)	)	PUNCT
gujaf-373	223	8	,	,	PUNCT
gujaf-373	223	9	134–152	134–152	NUM
gujaf-373	223	10	.	.	PUNCT
gujaf-373	224	1	afolabi	afolabi	NOUN
gujaf-373	224	2	,	,	PUNCT
gujaf-373	224	3	a.	a.	NOUN
gujaf-373	224	4	,	,	PUNCT
gujaf-373	224	5	olaoye	olaoye	PROPN
gujaf-373	224	6	,	,	PUNCT
gujaf-373	224	7	b.	b.	PROPN
gujaf-373	224	8	,	,	PUNCT
gujaf-373	224	9	&	&	CCONJ
gujaf-373	224	10	yusuf	yusuf	PROPN
gujaf-373	224	11	,	,	PUNCT
gujaf-373	224	12	o.	o.	PROPN
gujaf-373	224	13	(	(	PUNCT
gujaf-373	224	14	2023	2023	NUM
gujaf-373	224	15	)	)	PUNCT
gujaf-373	224	16	.	.	PUNCT
gujaf-373	225	1	education	education	NOUN
gujaf-373	225	2	,	,	PUNCT
gujaf-373	225	3	access	access	NOUN
gujaf-373	225	4	to	to	ADP
gujaf-373	225	5	infrastructure	infrastructure	NOUN
gujaf-373	225	6	,	,	PUNCT
gujaf-373	225	7	and	and	CCONJ
gujaf-373	225	8	msme	msme	NOUN
gujaf-373	225	9	resilience	resilience	NOUN
gujaf-373	225	10	:	:	PUNCT
gujaf-373	225	11	evidence	evidence	NOUN
gujaf-373	225	12	from	from	ADP
gujaf-373	225	13	west	west	PROPN
gujaf-373	225	14	africa	africa	PROPN
gujaf-373	225	15	.	.	PUNCT
gujaf-373	226	1	small	small	ADJ
gujaf-373	226	2	business	business	NOUN
gujaf-373	226	3	economics	economic	NOUN
gujaf-373	226	4	,	,	PUNCT
gujaf-373	226	5	61(4	61(4	NUM
gujaf-373	226	6	)	)	PUNCT
gujaf-373	226	7	,	,	PUNCT
gujaf-373	226	8	923–946	923–946	NUM
gujaf-373	226	9	.	.	PUNCT
gujaf-373	226	10	ahiase	ahiase	NOUN
gujaf-373	226	11	,	,	PUNCT
gujaf-373	226	12	g.	g.	PROPN
gujaf-373	226	13	a.	a.	PROPN
gujaf-373	226	14	,	,	PUNCT
gujaf-373	226	15	sari	sari	NOUN
gujaf-373	226	16	,	,	PUNCT
gujaf-373	226	17	m.	m.	NOUN
gujaf-373	226	18	,	,	PUNCT
gujaf-373	226	19	nugraha	nugraha	NOUN
gujaf-373	226	20	,	,	PUNCT
gujaf-373	226	21	n.	n.	NOUN
gujaf-373	226	22	,	,	PUNCT
gujaf-373	226	23	andriana	andriana	PROPN
gujaf-373	226	24	,	,	PUNCT
gujaf-373	226	25	d.	d.	PROPN
gujaf-373	226	26	,	,	PUNCT
gujaf-373	226	27	kpodo	kpodo	PROPN
gujaf-373	226	28	,	,	PUNCT
gujaf-373	226	29	p.	p.	PROPN
gujaf-373	226	30	c.	c.	PROPN
gujaf-373	226	31	,	,	PUNCT
gujaf-373	226	32	&	&	CCONJ
gujaf-373	226	33	ampomah	ampomah	PROPN
gujaf-373	226	34	,	,	PUNCT
gujaf-373	226	35	p.	p.	NOUN
gujaf-373	226	36	(	(	PUNCT
gujaf-373	226	37	2023	2023	NUM
gujaf-373	226	38	)	)	PUNCT
gujaf-373	226	39	.	.	PUNCT
gujaf-373	227	1	financial	financial	ADJ
gujaf-373	227	2	literacy	literacy	NOUN
gujaf-373	227	3	among	among	ADP
gujaf-373	227	4	female	female	ADJ
gujaf-373	227	5	entrepreneurs	entrepreneur	NOUN
gujaf-373	227	6	in	in	ADP
gujaf-373	227	7	ghana	ghana	PROPN
gujaf-373	227	8	:	:	PUNCT
gujaf-373	227	9	evidence	evidence	NOUN
gujaf-373	227	10	from	from	ADP
gujaf-373	227	11	traditional	traditional	ADJ
gujaf-373	227	12	markets	market	NOUN
gujaf-373	227	13	.	.	PUNCT
gujaf-373	228	1	jurnal	jurnal	ADJ
gujaf-373	228	2	riset	riset	NOUN
gujaf-373	228	3	manajemen	manajeman	NOUN
gujaf-373	228	4	,	,	PUNCT
gujaf-373	228	5	15(2	15(2	NUM
gujaf-373	228	6	)	)	PUNCT
gujaf-373	228	7	,	,	PUNCT
gujaf-373	228	8	1–18	1–18	NUM
gujaf-373	228	9	.	.	PUNCT
gujaf-373	228	10	amoako	amoako	PROPN
gujaf-373	228	11	,	,	PUNCT
gujaf-373	228	12	g.	g.	PROPN
gujaf-373	228	13	k.	k.	PROPN
gujaf-373	228	14	,	,	PUNCT
gujaf-373	228	15	yamoah	yamoah	PROPN
gujaf-373	228	16	,	,	PUNCT
gujaf-373	228	17	f.	f.	PROPN
gujaf-373	228	18	,	,	PUNCT
gujaf-373	228	19	&	&	CCONJ
gujaf-373	228	20	simpeh	simpeh	PROPN
gujaf-373	228	21	,	,	PUNCT
gujaf-373	228	22	k.	k.	PROPN
gujaf-373	228	23	n.	n.	PROPN
gujaf-373	228	24	(	(	PUNCT
gujaf-373	228	25	2022	2022	NUM
gujaf-373	228	26	)	)	PUNCT
gujaf-373	228	27	.	.	PUNCT
gujaf-373	229	1	financial	financial	ADJ
gujaf-373	229	2	literacy	literacy	NOUN
gujaf-373	229	3	,	,	PUNCT
gujaf-373	229	4	access	access	NOUN
gujaf-373	229	5	to	to	ADP
gujaf-373	229	6	finance	finance	NOUN
gujaf-373	229	7	and	and	CCONJ
gujaf-373	229	8	smes	sme	NOUN
gujaf-373	229	9	performance	performance	NOUN
gujaf-373	229	10	:	:	PUNCT
gujaf-373	229	11	the	the	DET
gujaf-373	229	12	mediating	mediate	VERB
gujaf-373	229	13	role	role	NOUN
gujaf-373	229	14	of	of	ADP
gujaf-373	229	15	financial	financial	ADJ
gujaf-373	229	16	management	management	NOUN
gujaf-373	229	17	practices	practice	NOUN
gujaf-373	229	18	.	.	PUNCT
gujaf-373	230	1	journal	journal	NOUN
gujaf-373	230	2	of	of	ADP
gujaf-373	230	3	small	small	ADJ
gujaf-373	230	4	business	business	NOUN
gujaf-373	230	5	and	and	CCONJ
gujaf-373	230	6	enterprise	enterprise	NOUN
gujaf-373	230	7	development	development	NOUN
gujaf-373	230	8	,	,	PUNCT
gujaf-373	230	9	29(2	29(2	NUM
gujaf-373	230	10	)	)	PUNCT
gujaf-373	230	11	,	,	PUNCT
gujaf-373	230	12	210–227	210–227	NUM
gujaf-373	230	13	.	.	PUNCT
gujaf-373	231	1	asiama	asiama	PROPN
gujaf-373	231	2	,	,	PUNCT
gujaf-373	231	3	j.	j.	PROPN
gujaf-373	231	4	p.	p.	PROPN
gujaf-373	231	5	,	,	PUNCT
gujaf-373	231	6	&	&	CCONJ
gujaf-373	231	7	osei	osei	PROPN
gujaf-373	231	8	,	,	PUNCT
gujaf-373	231	9	v.	v.	PROPN
gujaf-373	231	10	(	(	PUNCT
gujaf-373	231	11	2021	2021	NUM
gujaf-373	231	12	)	)	PUNCT
gujaf-373	231	13	.	.	PUNCT
gujaf-373	232	1	microfinance	microfinance	NOUN
gujaf-373	232	2	,	,	PUNCT
gujaf-373	232	3	gender	gender	NOUN
gujaf-373	232	4	,	,	PUNCT
gujaf-373	232	5	and	and	CCONJ
gujaf-373	232	6	business	business	NOUN
gujaf-373	232	7	outcomes	outcome	NOUN
gujaf-373	232	8	:	:	PUNCT
gujaf-373	232	9	evidence	evidence	NOUN
gujaf-373	232	10	from	from	ADP
gujaf-373	232	11	rural	rural	ADJ
gujaf-373	232	12	ghana	ghana	PROPN
gujaf-373	232	13	.	.	PUNCT
gujaf-373	233	1	world	world	NOUN
gujaf-373	233	2	development	development	PROPN
gujaf-373	233	3	perspectives	perspective	NOUN
gujaf-373	233	4	,	,	PUNCT
gujaf-373	233	5	23	23	NUM
gujaf-373	233	6	,	,	PUNCT
gujaf-373	233	7	100353	100353	NUM
gujaf-373	233	8	.	.	PUNCT
gujaf-373	234	1	asiedu	asiedu	PROPN
gujaf-373	234	2	,	,	PUNCT
gujaf-373	234	3	e.	e.	PROPN
gujaf-373	234	4	,	,	PUNCT
gujaf-373	234	5	freeman	freeman	PROPN
gujaf-373	234	6	,	,	PUNCT
gujaf-373	234	7	r.	r.	PROPN
gujaf-373	234	8	b.	b.	PROPN
gujaf-373	234	9	,	,	PUNCT
gujaf-373	234	10	&	&	CCONJ
gujaf-373	234	11	nti	nti	NOUN
gujaf-373	234	12	-	-	NOUN
gujaf-373	234	13	addae	addae	ADJ
gujaf-373	234	14	,	,	PUNCT
gujaf-373	234	15	a.	a.	NOUN
gujaf-373	234	16	(	(	PUNCT
gujaf-373	234	17	2021	2021	NUM
gujaf-373	234	18	)	)	PUNCT
gujaf-373	234	19	.	.	PUNCT
gujaf-373	235	1	financial	financial	ADJ
gujaf-373	235	2	literacy	literacy	NOUN
gujaf-373	235	3	and	and	CCONJ
gujaf-373	235	4	small	small	ADJ
gujaf-373	235	5	firm	firm	ADJ
gujaf-373	235	6	performance	performance	NOUN
gujaf-373	235	7	in	in	ADP
gujaf-373	235	8	ghana	ghana	PROPN
gujaf-373	235	9	.	.	PUNCT
gujaf-373	236	1	small	small	ADJ
gujaf-373	236	2	business	business	NOUN
gujaf-373	236	3	economics	economic	NOUN
gujaf-373	236	4	,	,	PUNCT
gujaf-373	236	5	57(4	57(4	NUM
gujaf-373	236	6	)	)	PUNCT
gujaf-373	236	7	,	,	PUNCT
gujaf-373	236	8	1787–1807	1787–1807	NUM
gujaf-373	236	9	.	.	PUNCT
gujaf-373	237	1	baiyegunhi	baiyegunhi	PROPN
gujaf-373	237	2	,	,	PUNCT
gujaf-373	237	3	l.	l.	PROPN
gujaf-373	237	4	j.	j.	PROPN
gujaf-373	237	5	s.	s.	PROPN
gujaf-373	237	6	(	(	PUNCT
gujaf-373	237	7	2021	2021	NUM
gujaf-373	237	8	)	)	PUNCT
gujaf-373	237	9	.	.	PUNCT
gujaf-373	238	1	human	human	ADJ
gujaf-373	238	2	capital	capital	NOUN
gujaf-373	238	3	,	,	PUNCT
gujaf-373	238	4	financial	financial	ADJ
gujaf-373	238	5	literacy	literacy	NOUN
gujaf-373	238	6	and	and	CCONJ
gujaf-373	238	7	microfinance	microfinance	NOUN
gujaf-373	238	8	utilization	utilization	NOUN
gujaf-373	238	9	among	among	ADP
gujaf-373	238	10	women	woman	NOUN
gujaf-373	238	11	entrepreneurs	entrepreneur	NOUN
gujaf-373	238	12	in	in	ADP
gujaf-373	238	13	rural	rural	PROPN
gujaf-373	238	14	nigeria	nigeria	PROPN
gujaf-373	238	15	.	.	PUNCT
gujaf-373	239	1	international	international	ADJ
gujaf-373	239	2	journal	journal	PROPN
gujaf-373	239	3	of	of	ADP
gujaf-373	239	4	social	social	ADJ
gujaf-373	239	5	economics	economic	NOUN
gujaf-373	239	6	,	,	PUNCT
gujaf-373	239	7	48(5	48(5	NUM
gujaf-373	239	8	)	)	PUNCT
gujaf-373	239	9	,	,	PUNCT
gujaf-373	239	10	745–762	745–762	NUM
gujaf-373	239	11	.	.	PUNCT
gujaf-373	240	1	baron	baron	NOUN
gujaf-373	240	2	,	,	PUNCT
gujaf-373	240	3	r.	r.	PROPN
gujaf-373	240	4	m.	m.	PROPN
gujaf-373	240	5	,	,	PUNCT
gujaf-373	240	6	&	&	CCONJ
gujaf-373	240	7	kenny	kenny	PROPN
gujaf-373	240	8	,	,	PUNCT
gujaf-373	240	9	d.	d.	PROPN
gujaf-373	240	10	a.	a.	PROPN
gujaf-373	240	11	(	(	PUNCT
gujaf-373	240	12	1986	1986	NUM
gujaf-373	240	13	)	)	PUNCT
gujaf-373	240	14	.	.	PUNCT
gujaf-373	241	1	the	the	DET
gujaf-373	241	2	moderator	moderator	NOUN
gujaf-373	241	3	-	-	PUNCT
gujaf-373	241	4	mediator	mediator	NOUN
gujaf-373	241	5	variable	variable	ADJ
gujaf-373	241	6	distinction	distinction	NOUN
gujaf-373	241	7	in	in	ADP
gujaf-373	241	8	social	social	ADJ
gujaf-373	241	9	psychological	psychological	ADJ
gujaf-373	241	10	research	research	NOUN
gujaf-373	241	11	.	.	PUNCT
gujaf-373	242	1	journal	journal	NOUN
gujaf-373	242	2	of	of	ADP
gujaf-373	242	3	personality	personality	NOUN
gujaf-373	242	4	and	and	CCONJ
gujaf-373	242	5	social	social	ADJ
gujaf-373	242	6	psychology	psychology	NOUN
gujaf-373	242	7	,	,	PUNCT
gujaf-373	242	8	51(6	51(6	NOUN
gujaf-373	242	9	)	)	PUNCT
gujaf-373	242	10	,	,	PUNCT
gujaf-373	242	11	1173–1182	1173–1182	NUM
gujaf-373	242	12	.	.	PUNCT
gujaf-373	243	1	bongomin	bongomin	PROPN
gujaf-373	243	2	,	,	PUNCT
gujaf-373	243	3	g.	g.	PROPN
gujaf-373	243	4	o.	o.	PROPN
gujaf-373	243	5	c.	c.	PROPN
gujaf-373	243	6	,	,	PUNCT
gujaf-373	243	7	ntayi	ntayi	ADV
gujaf-373	243	8	,	,	PUNCT
gujaf-373	243	9	j.	j.	PROPN
gujaf-373	243	10	m.	m.	PROPN
gujaf-373	243	11	,	,	PUNCT
gujaf-373	243	12	munene	munene	PROPN
gujaf-373	243	13	,	,	PUNCT
gujaf-373	243	14	j.	j.	PROPN
gujaf-373	243	15	c.	c.	PROPN
gujaf-373	243	16	,	,	PUNCT
gujaf-373	243	17	&	&	CCONJ
gujaf-373	243	18	malinga	malinga	PROPN
gujaf-373	243	19	,	,	PUNCT
gujaf-373	243	20	c.	c.	PROPN
gujaf-373	243	21	a.	a.	PROPN
gujaf-373	243	22	(	(	PUNCT
gujaf-373	243	23	2020	2020	NUM
gujaf-373	243	24	)	)	PUNCT
gujaf-373	243	25	.	.	PUNCT
gujaf-373	244	1	financial	financial	ADJ
gujaf-373	244	2	literacy	literacy	NOUN
gujaf-373	244	3	and	and	CCONJ
gujaf-373	244	4	financial	financial	ADJ
gujaf-373	244	5	inclusion	inclusion	NOUN
gujaf-373	244	6	of	of	ADP
gujaf-373	244	7	women	woman	NOUN
gujaf-373	244	8	in	in	ADP
gujaf-373	244	9	rural	rural	ADJ
gujaf-373	244	10	uganda	uganda	PROPN
gujaf-373	244	11	.	.	PUNCT
gujaf-373	245	1	international	international	ADJ
gujaf-373	245	2	journal	journal	PROPN
gujaf-373	245	3	of	of	ADP
gujaf-373	245	4	social	social	ADJ
gujaf-373	245	5	economics	economic	NOUN
gujaf-373	245	6	,	,	PUNCT
gujaf-373	245	7	47(3	47(3	NOUN
gujaf-373	245	8	)	)	PUNCT
gujaf-373	245	9	,	,	PUNCT
gujaf-373	245	10	396–409	396–409	NUM
gujaf-373	245	11	.	.	PUNCT
gujaf-373	246	1	brixiová	brixiová	PROPN
gujaf-373	246	2	,	,	PUNCT
gujaf-373	246	3	z.	z.	PROPN
gujaf-373	246	4	,	,	PUNCT
gujaf-373	246	5	kangoye	kangoye	PROPN
gujaf-373	246	6	,	,	PUNCT
gujaf-373	246	7	t.	t.	PROPN
gujaf-373	246	8	,	,	PUNCT
gujaf-373	246	9	&	&	CCONJ
gujaf-373	246	10	said	say	VERB
gujaf-373	246	11	,	,	PUNCT
gujaf-373	246	12	m.	m.	NOUN
gujaf-373	246	13	(	(	PUNCT
gujaf-373	246	14	2020	2020	NUM
gujaf-373	246	15	)	)	PUNCT
gujaf-373	246	16	.	.	PUNCT
gujaf-373	247	1	access	access	NOUN
gujaf-373	247	2	to	to	ADP
gujaf-373	247	3	finance	finance	NOUN
gujaf-373	247	4	among	among	ADP
gujaf-373	247	5	small	small	ADJ
gujaf-373	247	6	and	and	CCONJ
gujaf-373	247	7	medium	medium	ADJ
gujaf-373	247	8	-	-	PUNCT
gujaf-373	247	9	sized	sized	ADJ
gujaf-373	247	10	enterprises	enterprise	NOUN
gujaf-373	247	11	and	and	CCONJ
gujaf-373	247	12	job	job	NOUN
gujaf-373	247	13	creation	creation	NOUN
gujaf-373	247	14	in	in	ADP
gujaf-373	247	15	africa	africa	PROPN
gujaf-373	247	16	.	.	PUNCT
gujaf-373	248	1	structural	structural	ADJ
gujaf-373	248	2	change	change	NOUN
gujaf-373	248	3	and	and	CCONJ
gujaf-373	248	4	economic	economic	ADJ
gujaf-373	248	5	dynamics	dynamic	NOUN
gujaf-373	248	6	,	,	PUNCT
gujaf-373	248	7	55	55	NUM
gujaf-373	248	8	,	,	PUNCT
gujaf-373	248	9	177–189	177–189	NUM
gujaf-373	248	10	.	.	PUNCT
gujaf-373	249	1	chikalipah	chikalipah	PROPN
gujaf-373	249	2	,	,	PUNCT
gujaf-373	249	3	s.	s.	PROPN
gujaf-373	249	4	(	(	PUNCT
gujaf-373	249	5	2021	2021	NUM
gujaf-373	249	6	)	)	PUNCT
gujaf-373	249	7	.	.	PUNCT
gujaf-373	250	1	what	what	PRON
gujaf-373	250	2	determines	determine	VERB
gujaf-373	250	3	repayment	repayment	NOUN
gujaf-373	250	4	performance	performance	NOUN
gujaf-373	250	5	of	of	ADP
gujaf-373	250	6	microfinance	microfinance	NOUN
gujaf-373	250	7	clients	client	NOUN
gujaf-373	250	8	in	in	ADP
gujaf-373	250	9	subsaharan	subsaharan	PROPN
gujaf-373	250	10	africa	africa	PROPN
gujaf-373	250	11	?	?	PUNCT
gujaf-373	251	1	review	review	NOUN
gujaf-373	251	2	of	of	ADP
gujaf-373	251	3	development	development	NOUN
gujaf-373	251	4	finance	finance	NOUN
gujaf-373	251	5	,	,	PUNCT
gujaf-373	251	6	11(1	11(1	NUM
gujaf-373	251	7	)	)	PUNCT
gujaf-373	251	8	,	,	PUNCT
gujaf-373	251	9	78–90	78–90	NUM
gujaf-373	251	10	.	.	PUNCT
gujaf-373	252	1	choudhary	choudhary	PROPN
gujaf-373	252	2	,	,	PUNCT
gujaf-373	252	3	h.	h.	PROPN
gujaf-373	252	4	,	,	PUNCT
gujaf-373	252	5	&	&	CCONJ
gujaf-373	252	6	jain	jain	PROPN
gujaf-373	252	7	,	,	PUNCT
gujaf-373	252	8	h.	h.	PROPN
gujaf-373	252	9	(	(	PUNCT
gujaf-373	252	10	2023	2023	NUM
gujaf-373	252	11	)	)	PUNCT
gujaf-373	252	12	.	.	PUNCT
gujaf-373	253	1	addressing	address	VERB
gujaf-373	253	2	financial	financial	ADJ
gujaf-373	253	3	exclusion	exclusion	NOUN
gujaf-373	253	4	through	through	ADP
gujaf-373	253	5	financial	financial	ADJ
gujaf-373	253	6	literacy	literacy	NOUN
gujaf-373	253	7	training	training	NOUN
gujaf-373	253	8	programs	program	NOUN
gujaf-373	253	9	:	:	PUNCT
gujaf-373	253	10	a	a	DET
gujaf-373	253	11	systematic	systematic	ADJ
gujaf-373	253	12	literature	literature	NOUN
gujaf-373	253	13	review	review	NOUN
gujaf-373	253	14	.	.	PUNCT
gujaf-373	254	1	empirical	empirical	ADJ
gujaf-373	254	2	research	research	NOUN
gujaf-373	254	3	in	in	ADP
gujaf-373	254	4	vocational	vocational	ADJ
gujaf-373	254	5	education	education	NOUN
gujaf-373	254	6	and	and	CCONJ
gujaf-373	254	7	training	training	NOUN
gujaf-373	254	8	,	,	PUNCT
gujaf-373	254	9	15(1	15(1	NUM
gujaf-373	254	10	)	)	PUNCT
gujaf-373	254	11	,	,	PUNCT
gujaf-373	254	12	1–18	1–18	NUM
gujaf-373	254	13	.	.	PUNCT
gujaf-373	255	1	dini	dini	PROPN
gujaf-373	255	2	,	,	PUNCT
gujaf-373	255	3	r.	r.	PROPN
gujaf-373	255	4	,	,	PUNCT
gujaf-373	255	5	prihatiningtyas	prihatiningtyas	PROPN
gujaf-373	255	6	,	,	PUNCT
gujaf-373	255	7	y.	y.	PROPN
gujaf-373	255	8	w.	w.	PROPN
gujaf-373	255	9	,	,	PUNCT
gujaf-373	255	10	&	&	CCONJ
gujaf-373	255	11	nugroho	nugroho	PROPN
gujaf-373	255	12	,	,	PUNCT
gujaf-373	255	13	b.	b.	PROPN
gujaf-373	255	14	(	(	PUNCT
gujaf-373	255	15	2023	2023	NUM
gujaf-373	255	16	)	)	PUNCT
gujaf-373	255	17	.	.	PUNCT
gujaf-373	256	1	the	the	DET
gujaf-373	256	2	mediating	mediate	VERB
gujaf-373	256	3	role	role	NOUN
gujaf-373	256	4	of	of	ADP
gujaf-373	256	5	financial	financial	ADJ
gujaf-373	256	6	literacy	literacy	NOUN
gujaf-373	256	7	in	in	ADP
gujaf-373	256	8	the	the	DET
gujaf-373	256	9	relationship	relationship	NOUN
gujaf-373	256	10	between	between	ADP
gujaf-373	256	11	microfinance	microfinance	NOUN
gujaf-373	256	12	access	access	NOUN
gujaf-373	256	13	and	and	CCONJ
gujaf-373	256	14	sme	sme	NOUN
gujaf-373	256	15	sustainability	sustainability	NOUN
gujaf-373	256	16	.	.	PUNCT
gujaf-373	257	1	asian	asian	ADJ
gujaf-373	257	2	economic	economic	ADJ
gujaf-373	257	3	and	and	CCONJ
gujaf-373	257	4	financial	financial	ADJ
gujaf-373	257	5	review	review	NOUN
gujaf-373	257	6	,	,	PUNCT
gujaf-373	257	7	13(2	13(2	PROPN
gujaf-373	257	8	)	)	PUNCT
gujaf-373	257	9	,	,	PUNCT
gujaf-373	257	10	176–189	176–189	NUM
gujaf-373	257	11	.	.	PUNCT
gujaf-373	257	12	fabian	fabian	PROPN
gujaf-373	257	13	,	,	PUNCT
gujaf-373	257	14	a.	a.	NOUN
gujaf-373	257	15	a.	a.	PROPN
gujaf-373	257	16	,	,	PUNCT
gujaf-373	257	17	&	&	CCONJ
gujaf-373	257	18	ibrahim	ibrahim	PROPN
gujaf-373	257	19	,	,	PUNCT
gujaf-373	257	20	i.	i.	PROPN
gujaf-373	257	21	o.	o.	PROPN
gujaf-373	257	22	(	(	PUNCT
gujaf-373	257	23	2022	2022	NUM
gujaf-373	257	24	)	)	PUNCT
gujaf-373	257	25	.	.	PUNCT
gujaf-373	258	1	microfinance	microfinance	NOUN
gujaf-373	258	2	financial	financial	ADJ
gujaf-373	258	3	strategies	strategy	NOUN
gujaf-373	258	4	and	and	CCONJ
gujaf-373	258	5	business	business	NOUN
gujaf-373	258	6	growth	growth	NOUN
gujaf-373	258	7	of	of	ADP
gujaf-373	258	8	women	woman	NOUN
gujaf-373	258	9	entrepreneurs	entrepreneur	NOUN
gujaf-373	258	10	in	in	ADP
gujaf-373	258	11	gboko	gboko	PROPN
gujaf-373	258	12	,	,	PUNCT
gujaf-373	258	13	benue	benue	VERB
gujaf-373	258	14	state	state	NOUN
gujaf-373	258	15	,	,	PUNCT
gujaf-373	258	16	nigeria	nigeria	PROPN
gujaf-373	258	17	.	.	PUNCT
gujaf-373	259	1	asian	asian	PROPN
gujaf-373	259	2	journal	journal	PROPN
gujaf-373	259	3	of	of	ADP
gujaf-373	259	4	economics	economic	NOUN
gujaf-373	259	5	,	,	PUNCT
gujaf-373	259	6	business	business	NOUN
gujaf-373	259	7	and	and	CCONJ
gujaf-373	259	8	accounting	accounting	NOUN
gujaf-373	259	9	,	,	PUNCT
gujaf-373	259	10	22(5	22(5	NOUN
gujaf-373	259	11	)	)	PUNCT
gujaf-373	259	12	,	,	PUNCT
gujaf-373	259	13	69–80	69–80	NUM
gujaf-373	259	14	.	.	PUNCT
gujaf-373	260	1	gusau	gusau	PROPN
gujaf-373	260	2	journal	journal	PROPN
gujaf-373	260	3	of	of	ADP
gujaf-373	260	4	accounting	accounting	NOUN
gujaf-373	260	5	and	and	CCONJ
gujaf-373	260	6	finance	finance	NOUN
gujaf-373	260	7	,	,	PUNCT
gujaf-373	260	8	vol.6	vol.6	PROPN
gujaf-373	260	9	,	,	PUNCT
gujaf-373	260	10	issue	issue	NOUN
gujaf-373	260	11	1	1	NUM
gujaf-373	260	12	,	,	PUNCT
gujaf-373	260	13	april	april	PROPN
gujaf-373	260	14	,	,	PUNCT
gujaf-373	260	15	2025	2025	NUM
gujaf-373	260	16	136	136	NUM
gujaf-373	260	17	hair	hair	NOUN
gujaf-373	260	18	,	,	PUNCT
gujaf-373	260	19	j.	j.	PROPN
gujaf-373	260	20	f.	f.	PROPN
gujaf-373	260	21	,	,	PUNCT
gujaf-373	260	22	hult	hult	PROPN
gujaf-373	260	23	,	,	PUNCT
gujaf-373	260	24	g.	g.	PROPN
gujaf-373	260	25	t.	t.	PROPN
gujaf-373	260	26	m.	m.	PROPN
gujaf-373	260	27	,	,	PUNCT
gujaf-373	260	28	ringle	ringle	PROPN
gujaf-373	260	29	,	,	PUNCT
gujaf-373	260	30	c.	c.	PROPN
gujaf-373	260	31	m.	m.	PROPN
gujaf-373	260	32	,	,	PUNCT
gujaf-373	260	33	&	&	CCONJ
gujaf-373	260	34	sarstedt	sarstedt	NOUN
gujaf-373	260	35	,	,	PUNCT
gujaf-373	260	36	m.	m.	NOUN
gujaf-373	260	37	(	(	PUNCT
gujaf-373	260	38	2021	2021	NUM
gujaf-373	260	39	)	)	PUNCT
gujaf-373	260	40	.	.	PUNCT
gujaf-373	261	1	a	a	DET
gujaf-373	261	2	primer	primer	NOUN
gujaf-373	261	3	on	on	ADP
gujaf-373	261	4	partial	partial	ADJ
gujaf-373	261	5	least	least	ADJ
gujaf-373	261	6	squares	square	NOUN
gujaf-373	261	7	structural	structural	ADJ
gujaf-373	261	8	equation	equation	NOUN
gujaf-373	261	9	modeling	modeling	NOUN
gujaf-373	261	10	(	(	PUNCT
gujaf-373	261	11	pls	pls	INTJ
gujaf-373	261	12	-	-	PUNCT
gujaf-373	261	13	sem	sem	NOUN
gujaf-373	261	14	)	)	PUNCT
gujaf-373	261	15	(	(	PUNCT
gujaf-373	261	16	3rd	3rd	ADJ
gujaf-373	261	17	ed	ed	NOUN
gujaf-373	261	18	.	.	PUNCT
gujaf-373	261	19	)	)	PUNCT
gujaf-373	261	20	.	.	PUNCT
gujaf-373	262	1	sage	sage	NOUN
gujaf-373	262	2	publications	publication	NOUN
gujaf-373	262	3	.	.	PUNCT
gujaf-373	263	1	imai	imai	PROPN
gujaf-373	263	2	,	,	PUNCT
gujaf-373	263	3	k.	k.	PROPN
gujaf-373	263	4	,	,	PUNCT
gujaf-373	263	5	keele	keele	PROPN
gujaf-373	263	6	,	,	PUNCT
gujaf-373	263	7	l.	l.	PROPN
gujaf-373	263	8	,	,	PUNCT
gujaf-373	263	9	&	&	CCONJ
gujaf-373	263	10	tingley	tingley	PROPN
gujaf-373	263	11	,	,	PUNCT
gujaf-373	263	12	d.	d.	PROPN
gujaf-373	263	13	(	(	PUNCT
gujaf-373	263	14	2010	2010	NUM
gujaf-373	263	15	)	)	PUNCT
gujaf-373	263	16	.	.	PUNCT
gujaf-373	264	1	a	a	DET
gujaf-373	264	2	general	general	ADJ
gujaf-373	264	3	approach	approach	NOUN
gujaf-373	264	4	to	to	ADP
gujaf-373	264	5	causal	causal	ADJ
gujaf-373	264	6	mediation	mediation	NOUN
gujaf-373	264	7	analysis	analysis	NOUN
gujaf-373	264	8	.	.	PUNCT
gujaf-373	265	1	psychological	psychological	ADJ
gujaf-373	265	2	methods	method	NOUN
gujaf-373	265	3	,	,	PUNCT
gujaf-373	265	4	15(4	15(4	NUM
gujaf-373	265	5	)	)	PUNCT
gujaf-373	265	6	,	,	PUNCT
gujaf-373	265	7	309–34	309–34	NUM
gujaf-373	265	8	.	.	PUNCT
gujaf-373	266	1	karimu	karimu	PROPN
gujaf-373	266	2	,	,	PUNCT
gujaf-373	266	3	a.	a.	NOUN
gujaf-373	266	4	,	,	PUNCT
gujaf-373	266	5	amoah	amoah	PROPN
gujaf-373	266	6	,	,	PUNCT
gujaf-373	266	7	a.	a.	PROPN
gujaf-373	266	8	,	,	PUNCT
gujaf-373	266	9	&	&	CCONJ
gujaf-373	266	10	akomea	akomea	PROPN
gujaf-373	266	11	-	-	PUNCT
gujaf-373	266	12	frimpong	frimpong	PROPN
gujaf-373	266	13	,	,	PUNCT
gujaf-373	266	14	i.	i.	NOUN
gujaf-373	266	15	(	(	PUNCT
gujaf-373	266	16	2022	2022	NUM
gujaf-373	266	17	)	)	PUNCT
gujaf-373	266	18	.	.	PUNCT
gujaf-373	267	1	microfinance	microfinance	NOUN
gujaf-373	267	2	services	service	NOUN
gujaf-373	267	3	and	and	CCONJ
gujaf-373	267	4	growth	growth	NOUN
gujaf-373	267	5	of	of	ADP
gujaf-373	267	6	women	woman	NOUN
gujaf-373	267	7	-	-	PUNCT
gujaf-373	267	8	owned	own	VERB
gujaf-373	267	9	businesses	business	NOUN
gujaf-373	267	10	:	:	PUNCT
gujaf-373	267	11	the	the	DET
gujaf-373	267	12	moderating	moderate	VERB
gujaf-373	267	13	role	role	NOUN
gujaf-373	267	14	of	of	ADP
gujaf-373	267	15	firm	firm	ADJ
gujaf-373	267	16	size	size	NOUN
gujaf-373	267	17	.	.	PUNCT
gujaf-373	268	1	journal	journal	NOUN
gujaf-373	268	2	of	of	ADP
gujaf-373	268	3	developmental	developmental	ADJ
gujaf-373	268	4	entrepreneurship	entrepreneurship	NOUN
gujaf-373	268	5	,	,	PUNCT
gujaf-373	268	6	27(4	27(4	PROPN
gujaf-373	268	7	)	)	PUNCT
gujaf-373	268	8	,	,	PUNCT
gujaf-373	268	9	2250026	2250026	NUM
gujaf-373	268	10	.	.	PUNCT
gujaf-373	269	1	karlan	karlan	PROPN
gujaf-373	269	2	,	,	PUNCT
gujaf-373	269	3	d.	d.	PROPN
gujaf-373	269	4	,	,	PUNCT
gujaf-373	269	5	osman	osman	PROPN
gujaf-373	269	6	,	,	PUNCT
gujaf-373	269	7	a.	a.	PROPN
gujaf-373	269	8	,	,	PUNCT
gujaf-373	269	9	&	&	CCONJ
gujaf-373	269	10	zinman	zinman	PROPN
gujaf-373	269	11	,	,	PUNCT
gujaf-373	269	12	j.	j.	PROPN
gujaf-373	269	13	(	(	PUNCT
gujaf-373	269	14	2016	2016	NUM
gujaf-373	269	15	)	)	PUNCT
gujaf-373	269	16	.	.	PUNCT
gujaf-373	270	1	measuring	measure	VERB
gujaf-373	270	2	the	the	DET
gujaf-373	270	3	impact	impact	NOUN
gujaf-373	270	4	of	of	ADP
gujaf-373	270	5	financial	financial	ADJ
gujaf-373	270	6	education	education	NOUN
gujaf-373	270	7	for	for	ADP
gujaf-373	270	8	entrepreneurs	entrepreneur	NOUN
gujaf-373	270	9	in	in	ADP
gujaf-373	270	10	south	south	PROPN
gujaf-373	270	11	africa	africa	PROPN
gujaf-373	270	12	.	.	PUNCT
gujaf-373	271	1	american	american	PROPN
gujaf-373	271	2	economic	economic	PROPN
gujaf-373	271	3	journal	journal	PROPN
gujaf-373	271	4	:	:	PUNCT
gujaf-373	271	5	applied	apply	VERB
gujaf-373	271	6	economics	economic	NOUN
gujaf-373	271	7	,	,	PUNCT
gujaf-373	271	8	8(3	8(3	NUM
gujaf-373	271	9	)	)	PUNCT
gujaf-373	271	10	,	,	PUNCT
gujaf-373	271	11	192–214	192–214	NUM
gujaf-373	271	12	.	.	PUNCT
gujaf-373	272	1	kipesha	kipesha	PROPN
gujaf-373	272	2	,	,	PUNCT
gujaf-373	272	3	e.	e.	PROPN
gujaf-373	272	4	f.	f.	PROPN
gujaf-373	272	5	(	(	PUNCT
gujaf-373	272	6	2022	2022	NUM
gujaf-373	272	7	)	)	PUNCT
gujaf-373	272	8	.	.	PUNCT
gujaf-373	273	1	non	non	ADJ
gujaf-373	273	2	-	-	ADJ
gujaf-373	273	3	financial	financial	ADJ
gujaf-373	273	4	services	service	NOUN
gujaf-373	273	5	in	in	ADP
gujaf-373	273	6	microfinance	microfinance	NOUN
gujaf-373	273	7	and	and	CCONJ
gujaf-373	273	8	small	small	ADJ
gujaf-373	273	9	business	business	NOUN
gujaf-373	273	10	performance	performance	NOUN
gujaf-373	273	11	.	.	PUNCT
gujaf-373	274	1	journal	journal	NOUN
gujaf-373	274	2	of	of	ADP
gujaf-373	274	3	african	african	ADJ
gujaf-373	274	4	business	business	NOUN
gujaf-373	274	5	,	,	PUNCT
gujaf-373	274	6	23(1	23(1	NUM
gujaf-373	274	7	)	)	PUNCT
gujaf-373	274	8	,	,	PUNCT
gujaf-373	274	9	1–22	1–22	PROPN
gujaf-373	274	10	.	.	PUNCT
gujaf-373	275	1	kyalo	kyalo	PROPN
gujaf-373	275	2	,	,	PUNCT
gujaf-373	275	3	d.	d.	PROPN
gujaf-373	275	4	,	,	PUNCT
gujaf-373	275	5	&	&	CCONJ
gujaf-373	275	6	atieno	atieno	PROPN
gujaf-373	275	7	,	,	PUNCT
gujaf-373	275	8	r.	r.	PROPN
gujaf-373	275	9	(	(	PUNCT
gujaf-373	275	10	2022	2022	NUM
gujaf-373	275	11	)	)	PUNCT
gujaf-373	275	12	.	.	PUNCT
gujaf-373	276	1	the	the	DET
gujaf-373	276	2	role	role	NOUN
gujaf-373	276	3	of	of	ADP
gujaf-373	276	4	microfinance	microfinance	NOUN
gujaf-373	276	5	in	in	ADP
gujaf-373	276	6	enhancing	enhance	VERB
gujaf-373	276	7	women	woman	NOUN
gujaf-373	276	8	’s	’s	PART
gujaf-373	276	9	entrepreneurship	entrepreneurship	NOUN
gujaf-373	276	10	in	in	ADP
gujaf-373	276	11	kenya	kenya	PROPN
gujaf-373	276	12	.	.	PUNCT
gujaf-373	277	1	journal	journal	PROPN
gujaf-373	277	2	of	of	ADP
gujaf-373	277	3	developmental	developmental	ADJ
gujaf-373	277	4	entrepreneurship	entrepreneurship	NOUN
gujaf-373	277	5	,	,	PUNCT
gujaf-373	277	6	27(2	27(2	NUM
gujaf-373	277	7	)	)	PUNCT
gujaf-373	277	8	,	,	PUNCT
gujaf-373	277	9	2250012	2250012	NUM
gujaf-373	277	10	.	.	PUNCT
gujaf-373	278	1	lusardi	lusardi	PROPN
gujaf-373	278	2	,	,	PUNCT
gujaf-373	278	3	a.	a.	PROPN
gujaf-373	278	4	,	,	PUNCT
gujaf-373	278	5	&	&	CCONJ
gujaf-373	278	6	mitchell	mitchell	PROPN
gujaf-373	278	7	,	,	PUNCT
gujaf-373	278	8	o.	o.	PROPN
gujaf-373	278	9	s.	s.	PROPN
gujaf-373	278	10	(	(	PUNCT
gujaf-373	278	11	2020	2020	NUM
gujaf-373	278	12	)	)	PUNCT
gujaf-373	278	13	.	.	PUNCT
gujaf-373	279	1	the	the	DET
gujaf-373	279	2	economic	economic	ADJ
gujaf-373	279	3	importance	importance	NOUN
gujaf-373	279	4	of	of	ADP
gujaf-373	279	5	financial	financial	ADJ
gujaf-373	279	6	literacy	literacy	NOUN
gujaf-373	279	7	:	:	PUNCT
gujaf-373	279	8	theory	theory	NOUN
gujaf-373	279	9	and	and	CCONJ
gujaf-373	279	10	evidence	evidence	NOUN
gujaf-373	279	11	.	.	PUNCT
gujaf-373	280	1	journal	journal	NOUN
gujaf-373	280	2	of	of	ADP
gujaf-373	280	3	economic	economic	ADJ
gujaf-373	280	4	literature	literature	NOUN
gujaf-373	280	5	,	,	PUNCT
gujaf-373	280	6	58(1	58(1	NUM
gujaf-373	280	7	)	)	PUNCT
gujaf-373	280	8	,	,	PUNCT
gujaf-373	280	9	5–44	5–44	PROPN
gujaf-373	280	10	.	.	PROPN
gujaf-373	280	11	malanga	malanga	PROPN
gujaf-373	280	12	,	,	PUNCT
gujaf-373	280	13	d.	d.	PROPN
gujaf-373	280	14	f.	f.	PROPN
gujaf-373	280	15	,	,	PUNCT
gujaf-373	280	16	&	&	CCONJ
gujaf-373	280	17	banda	banda	NOUN
gujaf-373	280	18	,	,	PUNCT
gujaf-373	280	19	m.	m.	NOUN
gujaf-373	280	20	(	(	PUNCT
gujaf-373	280	21	2021	2021	NUM
gujaf-373	280	22	)	)	PUNCT
gujaf-373	280	23	.	.	PUNCT
gujaf-373	281	1	ict	ict	PROPN
gujaf-373	281	2	use	use	NOUN
gujaf-373	281	3	and	and	CCONJ
gujaf-373	281	4	livelihoods	livelihood	NOUN
gujaf-373	281	5	of	of	ADP
gujaf-373	281	6	women	woman	NOUN
gujaf-373	281	7	microenterprises	microenterprise	VERB
gujaf-373	281	8	in	in	ADP
gujaf-373	281	9	rural	rural	ADJ
gujaf-373	281	10	malawi	malawi	PROPN
gujaf-373	281	11	.	.	PUNCT
gujaf-373	282	1	sustainable	sustainable	ADJ
gujaf-373	282	2	livelihoods	livelihood	NOUN
gujaf-373	282	3	journal	journal	NOUN
gujaf-373	282	4	,	,	PUNCT
gujaf-373	282	5	8(3	8(3	NUM
gujaf-373	282	6	)	)	PUNCT
gujaf-373	282	7	,	,	PUNCT
gujaf-373	282	8	1–20	1–20	PROPN
gujaf-373	282	9	.	.	PUNCT
gujaf-373	282	10	mkpado	mkpado	PROPN
gujaf-373	282	11	,	,	PUNCT
gujaf-373	282	12	m.	m.	NOUN
gujaf-373	282	13	,	,	PUNCT
gujaf-373	282	14	&	&	CCONJ
gujaf-373	282	15	arene	arene	PROPN
gujaf-373	282	16	,	,	PUNCT
gujaf-373	282	17	c.	c.	PROPN
gujaf-373	282	18	j.	j.	PROPN
gujaf-373	282	19	(	(	PUNCT
gujaf-373	282	20	2021	2021	NUM
gujaf-373	282	21	)	)	PUNCT
gujaf-373	282	22	.	.	PUNCT
gujaf-373	283	1	empowering	empower	VERB
gujaf-373	283	2	women	woman	NOUN
gujaf-373	283	3	through	through	ADP
gujaf-373	283	4	financial	financial	ADJ
gujaf-373	283	5	literacy	literacy	NOUN
gujaf-373	283	6	and	and	CCONJ
gujaf-373	283	7	microcredit	microcredit	NOUN
gujaf-373	283	8	:	:	PUNCT
gujaf-373	283	9	evidence	evidence	NOUN
gujaf-373	283	10	from	from	ADP
gujaf-373	283	11	nigeria	nigeria	PROPN
gujaf-373	283	12	.	.	PUNCT
gujaf-373	284	1	journal	journal	PROPN
gujaf-373	284	2	of	of	ADP
gujaf-373	284	3	african	african	ADJ
gujaf-373	284	4	business	business	NOUN
gujaf-373	284	5	,	,	PUNCT
gujaf-373	284	6	22(2	22(2	NUM
gujaf-373	284	7	)	)	PUNCT
gujaf-373	284	8	,	,	PUNCT
gujaf-373	284	9	188–207	188–207	NUM
gujaf-373	284	10	.	.	PUNCT
gujaf-373	285	1	musie	musie	PROPN
gujaf-373	285	2	,	,	PUNCT
gujaf-373	285	3	l.	l.	PROPN
gujaf-373	285	4	,	,	PUNCT
gujaf-373	285	5	fatoki	fatoki	NOUN
gujaf-373	285	6	,	,	PUNCT
gujaf-373	285	7	o.	o.	PROPN
gujaf-373	285	8	,	,	PUNCT
gujaf-373	285	9	&	&	CCONJ
gujaf-373	285	10	oni	oni	PROPN
gujaf-373	285	11	,	,	PUNCT
gujaf-373	285	12	o.	o.	PROPN
gujaf-373	285	13	(	(	PUNCT
gujaf-373	285	14	2020	2020	NUM
gujaf-373	285	15	)	)	PUNCT
gujaf-373	285	16	.	.	PUNCT
gujaf-373	286	1	financial	financial	ADJ
gujaf-373	286	2	literacy	literacy	NOUN
gujaf-373	286	3	and	and	CCONJ
gujaf-373	286	4	its	its	PRON
gujaf-373	286	5	impact	impact	NOUN
gujaf-373	286	6	on	on	ADP
gujaf-373	286	7	the	the	DET
gujaf-373	286	8	sustainability	sustainability	NOUN
gujaf-373	286	9	of	of	ADP
gujaf-373	286	10	small	small	ADJ
gujaf-373	286	11	and	and	CCONJ
gujaf-373	286	12	medium	medium	ADJ
gujaf-373	286	13	enterprises	enterprise	NOUN
gujaf-373	286	14	in	in	ADP
gujaf-373	286	15	south	south	PROPN
gujaf-373	286	16	africa	africa	PROPN
gujaf-373	286	17	.	.	PUNCT
gujaf-373	287	1	sustainability	sustainability	NOUN
gujaf-373	287	2	,	,	PUNCT
gujaf-373	287	3	12(16	12(16	NUM
gujaf-373	287	4	)	)	PUNCT
gujaf-373	287	5	,	,	PUNCT
gujaf-373	287	6	6520	6520	NUM
gujaf-373	287	7	.	.	PUNCT
gujaf-373	288	1	https://doi.org/10.3390/su12166520	https://doi.org/10.3390/su12166520	X
gujaf-373	288	2	ndung’u	ndung’u	PRON
gujaf-373	288	3	,	,	PUNCT
gujaf-373	288	4	n.	n.	NOUN
gujaf-373	288	5	,	,	PUNCT
gujaf-373	288	6	musyoka	musyoka	PROPN
gujaf-373	288	7	,	,	PUNCT
gujaf-373	288	8	s.	s.	PROPN
gujaf-373	288	9	,	,	PUNCT
gujaf-373	288	10	&	&	CCONJ
gujaf-373	288	11	gitau	gitau	PROPN
gujaf-373	288	12	,	,	PUNCT
gujaf-373	288	13	r.	r.	PROPN
gujaf-373	288	14	(	(	PUNCT
gujaf-373	288	15	2022	2022	NUM
gujaf-373	288	16	)	)	PUNCT
gujaf-373	288	17	.	.	PUNCT
gujaf-373	289	1	does	do	AUX
gujaf-373	289	2	financial	financial	ADJ
gujaf-373	289	3	literacy	literacy	NOUN
gujaf-373	289	4	mediate	mediate	VERB
gujaf-373	289	5	the	the	DET
gujaf-373	289	6	impact	impact	NOUN
gujaf-373	289	7	of	of	ADP
gujaf-373	289	8	financial	financial	ADJ
gujaf-373	289	9	access	access	NOUN
gujaf-373	289	10	on	on	ADP
gujaf-373	289	11	performance	performance	NOUN
gujaf-373	289	12	of	of	ADP
gujaf-373	289	13	youth	youth	NOUN
gujaf-373	289	14	-	-	PUNCT
gujaf-373	289	15	led	lead	VERB
gujaf-373	289	16	enterprises	enterprise	NOUN
gujaf-373	289	17	in	in	ADP
gujaf-373	289	18	kenya	kenya	PROPN
gujaf-373	289	19	?	?	PUNCT
gujaf-373	290	1	journal	journal	PROPN
gujaf-373	290	2	of	of	ADP
gujaf-373	290	3	development	development	NOUN
gujaf-373	290	4	policy	policy	NOUN
gujaf-373	290	5	and	and	CCONJ
gujaf-373	290	6	practice	practice	NOUN
gujaf-373	290	7	,	,	PUNCT
gujaf-373	290	8	7(2	7(2	NUM
gujaf-373	290	9	)	)	PUNCT
gujaf-373	290	10	,	,	PUNCT
gujaf-373	290	11	257–276	257–276	NUM
gujaf-373	290	12	.	.	PUNCT
gujaf-373	291	1	nwokolo	nwokolo	PROPN
gujaf-373	291	2	,	,	PUNCT
gujaf-373	291	3	c.	c.	PROPN
gujaf-373	291	4	,	,	PUNCT
gujaf-373	291	5	ume	ume	PROPN
gujaf-373	291	6	,	,	PUNCT
gujaf-373	291	7	k.	k.	PROPN
gujaf-373	291	8	e.	e.	PROPN
gujaf-373	291	9	,	,	PUNCT
gujaf-373	291	10	&	&	CCONJ
gujaf-373	291	11	ezeani	ezeani	PROPN
gujaf-373	291	12	,	,	PUNCT
gujaf-373	291	13	e.	e.	PROPN
gujaf-373	291	14	(	(	PUNCT
gujaf-373	291	15	2021	2021	NUM
gujaf-373	291	16	)	)	PUNCT
gujaf-373	291	17	.	.	PUNCT
gujaf-373	292	1	barriers	barrier	NOUN
gujaf-373	292	2	to	to	ADP
gujaf-373	292	3	financial	financial	ADJ
gujaf-373	292	4	inclusion	inclusion	NOUN
gujaf-373	292	5	and	and	CCONJ
gujaf-373	292	6	sme	sme	NOUN
gujaf-373	292	7	performance	performance	NOUN
gujaf-373	292	8	in	in	ADP
gujaf-373	292	9	nigeria	nigeria	PROPN
gujaf-373	292	10	:	:	PUNCT
gujaf-373	292	11	the	the	DET
gujaf-373	292	12	gender	gender	NOUN
gujaf-373	292	13	gap	gap	NOUN
gujaf-373	292	14	.	.	PUNCT
gujaf-373	293	1	journal	journal	NOUN
gujaf-373	293	2	of	of	ADP
gujaf-373	293	3	developmental	developmental	ADJ
gujaf-373	293	4	entrepreneurship	entrepreneurship	NOUN
gujaf-373	293	5	,	,	PUNCT
gujaf-373	293	6	26(4	26(4	NUM
gujaf-373	293	7	)	)	PUNCT
gujaf-373	293	8	,	,	PUNCT
gujaf-373	293	9	2150028	2150028	NUM
gujaf-373	293	10	.	.	PUNCT
gujaf-373	294	1	oecd	oecd	PROPN
gujaf-373	294	2	.	.	PUNCT
gujaf-373	295	1	(	(	PUNCT
gujaf-373	295	2	2022	2022	NUM
gujaf-373	295	3	)	)	PUNCT
gujaf-373	295	4	.	.	PUNCT
gujaf-373	296	1	oecd	oecd	PROPN
gujaf-373	296	2	/	/	SYM
gujaf-373	296	3	infe	infe	NOUN
gujaf-373	296	4	2022	2022	NUM
gujaf-373	296	5	international	international	ADJ
gujaf-373	296	6	survey	survey	NOUN
gujaf-373	296	7	of	of	ADP
gujaf-373	296	8	adult	adult	NOUN
gujaf-373	296	9	financial	financial	ADJ
gujaf-373	296	10	literacy	literacy	NOUN
gujaf-373	296	11	.	.	PUNCT
gujaf-373	297	1	oecd	oecd	PROPN
gujaf-373	297	2	publishing	publishing	NOUN
gujaf-373	297	3	.	.	PUNCT
gujaf-373	298	1	oecd	oecd	PROPN
gujaf-373	298	2	.	.	PUNCT
gujaf-373	299	1	(	(	PUNCT
gujaf-373	299	2	2022	2022	NUM
gujaf-373	299	3	)	)	PUNCT
gujaf-373	299	4	.	.	PUNCT
gujaf-373	300	1	oecd	oecd	PROPN
gujaf-373	300	2	/	/	SYM
gujaf-373	300	3	infe	infe	NOUN
gujaf-373	300	4	toolkit	toolkit	NOUN
gujaf-373	300	5	for	for	ADP
gujaf-373	300	6	measuring	measure	VERB
gujaf-373	300	7	financial	financial	ADJ
gujaf-373	300	8	literacy	literacy	NOUN
gujaf-373	300	9	and	and	CCONJ
gujaf-373	300	10	financial	financial	ADJ
gujaf-373	300	11	inclusion	inclusion	NOUN
gujaf-373	300	12	2022	2022	NUM
gujaf-373	300	13	.	.	PUNCT
gujaf-373	301	1	okonkwo	okonkwo	PROPN
gujaf-373	301	2	,	,	PUNCT
gujaf-373	301	3	o.	o.	PROPN
gujaf-373	301	4	,	,	PUNCT
gujaf-373	301	5	&	&	CCONJ
gujaf-373	301	6	ogbuabor	ogbuabor	PROPN
gujaf-373	301	7	,	,	PUNCT
gujaf-373	301	8	j.	j.	PROPN
gujaf-373	301	9	e.	e.	PROPN
gujaf-373	301	10	(	(	PUNCT
gujaf-373	301	11	2023	2023	NUM
gujaf-373	301	12	)	)	PUNCT
gujaf-373	301	13	.	.	PUNCT
gujaf-373	302	1	women	woman	NOUN
gujaf-373	302	2	entrepreneurship	entrepreneurship	NOUN
gujaf-373	302	3	in	in	ADP
gujaf-373	302	4	africa	africa	PROPN
gujaf-373	302	5	:	:	PUNCT
gujaf-373	302	6	financial	financial	ADJ
gujaf-373	302	7	literacy	literacy	NOUN
gujaf-373	302	8	as	as	ADP
gujaf-373	302	9	a	a	DET
gujaf-373	302	10	determinant	determinant	NOUN
gujaf-373	302	11	of	of	ADP
gujaf-373	302	12	sustainable	sustainable	ADJ
gujaf-373	302	13	business	business	NOUN
gujaf-373	302	14	development	development	NOUN
gujaf-373	302	15	.	.	PUNCT
gujaf-373	303	1	small	small	ADJ
gujaf-373	303	2	enterprise	enterprise	NOUN
gujaf-373	303	3	research	research	NOUN
gujaf-373	303	4	,	,	PUNCT
gujaf-373	303	5	30(1	30(1	NUM
gujaf-373	303	6	)	)	PUNCT
gujaf-373	303	7	,	,	PUNCT
gujaf-373	303	8	23–45	23–45	NUM
gujaf-373	303	9	.	.	PUNCT
gujaf-373	304	1	olomola	olomola	PROPN
gujaf-373	304	2	,	,	PUNCT
gujaf-373	304	3	a.	a.	PROPN
gujaf-373	304	4	s.	s.	PROPN
gujaf-373	304	5	(	(	PUNCT
gujaf-373	304	6	2020	2020	NUM
gujaf-373	304	7	)	)	PUNCT
gujaf-373	304	8	.	.	PUNCT
gujaf-373	305	1	evaluation	evaluation	NOUN
gujaf-373	305	2	of	of	ADP
gujaf-373	305	3	microfinance	microfinance	NOUN
gujaf-373	305	4	services	service	NOUN
gujaf-373	305	5	and	and	CCONJ
gujaf-373	305	6	women	woman	NOUN
gujaf-373	305	7	entrepreneurship	entrepreneurship	NOUN
gujaf-373	305	8	development	development	NOUN
gujaf-373	305	9	in	in	ADP
gujaf-373	305	10	nigeria	nigeria	PROPN
gujaf-373	305	11	.	.	PUNCT
gujaf-373	306	1	african	african	ADJ
gujaf-373	306	2	journal	journal	PROPN
gujaf-373	306	3	of	of	ADP
gujaf-373	306	4	economic	economic	ADJ
gujaf-373	306	5	policy	policy	NOUN
gujaf-373	306	6	,	,	PUNCT
gujaf-373	306	7	27(1	27(1	NUM
gujaf-373	306	8	)	)	PUNCT
gujaf-373	306	9	,	,	PUNCT
gujaf-373	306	10	1–22	1–22	NOUN
gujaf-373	306	11	.	.	PUNCT
gujaf-373	307	1	osei	osei	PROPN
gujaf-373	307	2	-	-	PUNCT
gujaf-373	307	3	assibey	assibey	PROPN
gujaf-373	307	4	,	,	PUNCT
gujaf-373	307	5	e.	e.	PROPN
gujaf-373	307	6	(	(	PUNCT
gujaf-373	307	7	2023	2023	NUM
gujaf-373	307	8	)	)	PUNCT
gujaf-373	307	9	.	.	PUNCT
gujaf-373	308	1	enhancing	enhance	VERB
gujaf-373	308	2	sme	sme	NOUN
gujaf-373	308	3	sustainability	sustainability	NOUN
gujaf-373	308	4	through	through	ADP
gujaf-373	308	5	digital	digital	ADJ
gujaf-373	308	6	and	and	CCONJ
gujaf-373	308	7	financial	financial	ADJ
gujaf-373	308	8	inclusion	inclusion	NOUN
gujaf-373	308	9	in	in	ADP
gujaf-373	308	10	ghana	ghana	PROPN
gujaf-373	308	11	.	.	PUNCT
gujaf-373	309	1	journal	journal	PROPN
gujaf-373	309	2	of	of	ADP
gujaf-373	309	3	african	african	ADJ
gujaf-373	309	4	business	business	NOUN
gujaf-373	309	5	,	,	PUNCT
gujaf-373	309	6	24(1	24(1	NUM
gujaf-373	309	7	)	)	PUNCT
gujaf-373	309	8	,	,	PUNCT
gujaf-373	309	9	1–20	1–20	PROPN
gujaf-373	309	10	.	.	PUNCT
gujaf-373	309	11	oseifuah	oseifuah	PROPN
gujaf-373	309	12	,	,	PUNCT
gujaf-373	309	13	e.	e.	PROPN
gujaf-373	309	14	k.	k.	PROPN
gujaf-373	309	15	(	(	PUNCT
gujaf-373	309	16	2021	2021	NUM
gujaf-373	309	17	)	)	PUNCT
gujaf-373	309	18	.	.	PUNCT
gujaf-373	310	1	financial	financial	ADJ
gujaf-373	310	2	literacy	literacy	NOUN
gujaf-373	310	3	and	and	CCONJ
gujaf-373	310	4	youth	youth	NOUN
gujaf-373	310	5	entrepreneurship	entrepreneurship	NOUN
gujaf-373	310	6	in	in	ADP
gujaf-373	310	7	south	south	PROPN
gujaf-373	310	8	africa	africa	PROPN
gujaf-373	310	9	.	.	PUNCT
gujaf-373	311	1	african	african	ADJ
gujaf-373	311	2	journal	journal	PROPN
gujaf-373	311	3	of	of	ADP
gujaf-373	311	4	economic	economic	ADJ
gujaf-373	311	5	and	and	CCONJ
gujaf-373	311	6	management	management	NOUN
gujaf-373	311	7	studies	study	NOUN
gujaf-373	311	8	,	,	PUNCT
gujaf-373	311	9	12(3	12(3	NUM
gujaf-373	311	10	)	)	PUNCT
gujaf-373	311	11	,	,	PUNCT
gujaf-373	311	12	319–338	319–338	NUM
gujaf-373	311	13	.	.	PUNCT
gujaf-373	312	1	oseifuah	oseifuah	PROPN
gujaf-373	312	2	,	,	PUNCT
gujaf-373	312	3	e.	e.	PROPN
gujaf-373	312	4	k.	k.	PROPN
gujaf-373	312	5	,	,	PUNCT
gujaf-373	312	6	&	&	CCONJ
gujaf-373	312	7	gyekye	gyekye	PROPN
gujaf-373	312	8	,	,	PUNCT
gujaf-373	312	9	a.	a.	NOUN
gujaf-373	312	10	(	(	PUNCT
gujaf-373	312	11	2022	2022	NUM
gujaf-373	312	12	)	)	PUNCT
gujaf-373	312	13	.	.	PUNCT
gujaf-373	313	1	financial	financial	ADJ
gujaf-373	313	2	literacy	literacy	NOUN
gujaf-373	313	3	as	as	ADP
gujaf-373	313	4	a	a	DET
gujaf-373	313	5	mediator	mediator	NOUN
gujaf-373	313	6	between	between	ADP
gujaf-373	313	7	access	access	NOUN
gujaf-373	313	8	to	to	ADP
gujaf-373	313	9	finance	finance	NOUN
gujaf-373	313	10	and	and	CCONJ
gujaf-373	313	11	sme	sme	NOUN
gujaf-373	313	12	growth	growth	NOUN
gujaf-373	313	13	in	in	ADP
gujaf-373	313	14	africa	africa	PROPN
gujaf-373	313	15	.	.	PUNCT
gujaf-373	314	1	journal	journal	PROPN
gujaf-373	314	2	of	of	ADP
gujaf-373	314	3	african	african	ADJ
gujaf-373	314	4	business	business	NOUN
gujaf-373	314	5	,	,	PUNCT
gujaf-373	314	6	23(2	23(2	NOUN
gujaf-373	314	7	)	)	PUNCT
gujaf-373	314	8	,	,	PUNCT
gujaf-373	314	9	205–225	205–225	NUM
gujaf-373	314	10	.	.	PUNCT
gujaf-373	315	1	otchere	otchere	ADV
gujaf-373	315	2	,	,	PUNCT
gujaf-373	315	3	i.	i.	PROPN
gujaf-373	315	4	,	,	PUNCT
gujaf-373	315	5	annan	annan	PROPN
gujaf-373	315	6	,	,	PUNCT
gujaf-373	315	7	j.	j.	PROPN
gujaf-373	315	8	,	,	PUNCT
gujaf-373	315	9	&	&	CCONJ
gujaf-373	315	10	obeng	obeng	PROPN
gujaf-373	315	11	,	,	PUNCT
gujaf-373	315	12	k.	k.	PROPN
gujaf-373	315	13	(	(	PUNCT
gujaf-373	315	14	2023	2023	NUM
gujaf-373	315	15	)	)	PUNCT
gujaf-373	315	16	.	.	PUNCT
gujaf-373	316	1	financial	financial	ADJ
gujaf-373	316	2	literacy	literacy	NOUN
gujaf-373	316	3	and	and	CCONJ
gujaf-373	316	4	performance	performance	NOUN
gujaf-373	316	5	of	of	ADP
gujaf-373	316	6	smes	sme	NOUN
gujaf-373	316	7	in	in	ADP
gujaf-373	316	8	ghana	ghana	PROPN
gujaf-373	316	9	:	:	PUNCT
gujaf-373	316	10	moderating	moderate	VERB
gujaf-373	316	11	role	role	NOUN
gujaf-373	316	12	of	of	ADP
gujaf-373	316	13	firm	firm	ADJ
gujaf-373	316	14	size	size	NOUN
gujaf-373	316	15	.	.	PUNCT
gujaf-373	317	1	journal	journal	NOUN
gujaf-373	317	2	of	of	ADP
gujaf-373	317	3	small	small	ADJ
gujaf-373	317	4	business	business	NOUN
gujaf-373	317	5	and	and	CCONJ
gujaf-373	317	6	enterprise	enterprise	NOUN
gujaf-373	317	7	development	development	NOUN
gujaf-373	317	8	,	,	PUNCT
gujaf-373	317	9	30(1	30(1	NUM
gujaf-373	317	10	)	)	PUNCT
gujaf-373	317	11	,	,	PUNCT
gujaf-373	317	12	76–94	76–94	NUM
gujaf-373	317	13	.	.	PUNCT
gujaf-373	318	1	gusau	gusau	PROPN
gujaf-373	318	2	journal	journal	PROPN
gujaf-373	318	3	of	of	ADP
gujaf-373	318	4	accounting	accounting	NOUN
gujaf-373	318	5	and	and	CCONJ
gujaf-373	318	6	finance	finance	NOUN
gujaf-373	318	7	,	,	PUNCT
gujaf-373	318	8	vol.6	vol.6	PROPN
gujaf-373	318	9	,	,	PUNCT
gujaf-373	318	10	issue	issue	NOUN
gujaf-373	318	11	1	1	NUM
gujaf-373	318	12	,	,	PUNCT
gujaf-373	318	13	april	april	PROPN
gujaf-373	318	14	,	,	PUNCT
gujaf-373	318	15	2025	2025	NUM
gujaf-373	318	16	137	137	NUM
gujaf-373	318	17	owusu	owusu	NOUN
gujaf-373	318	18	,	,	PUNCT
gujaf-373	318	19	a.	a.	NOUN
gujaf-373	318	20	,	,	PUNCT
gujaf-373	318	21	antwi	antwi	PROPN
gujaf-373	318	22	,	,	PUNCT
gujaf-373	318	23	h.	h.	PROPN
gujaf-373	318	24	a.	a.	PROPN
gujaf-373	318	25	,	,	PUNCT
gujaf-373	318	26	&	&	CCONJ
gujaf-373	318	27	boakye	boakye	PROPN
gujaf-373	318	28	,	,	PUNCT
gujaf-373	318	29	a.	a.	NOUN
gujaf-373	318	30	(	(	PUNCT
gujaf-373	318	31	2022	2022	NUM
gujaf-373	318	32	)	)	PUNCT
gujaf-373	318	33	.	.	PUNCT
gujaf-373	319	1	financial	financial	ADJ
gujaf-373	319	2	literacy	literacy	NOUN
gujaf-373	319	3	,	,	PUNCT
gujaf-373	319	4	access	access	NOUN
gujaf-373	319	5	to	to	ADP
gujaf-373	319	6	finance	finance	NOUN
gujaf-373	319	7	,	,	PUNCT
gujaf-373	319	8	and	and	CCONJ
gujaf-373	319	9	sme	sme	NOUN
gujaf-373	319	10	performance	performance	NOUN
gujaf-373	319	11	:	:	PUNCT
gujaf-373	319	12	evidence	evidence	NOUN
gujaf-373	319	13	from	from	ADP
gujaf-373	319	14	ghana	ghana	PROPN
gujaf-373	319	15	.	.	PUNCT
gujaf-373	320	1	journal	journal	PROPN
gujaf-373	320	2	of	of	ADP
gujaf-373	320	3	entrepreneurship	entrepreneurship	NOUN
gujaf-373	320	4	in	in	ADP
gujaf-373	320	5	emerging	emerge	VERB
gujaf-373	320	6	economies	economy	NOUN
gujaf-373	320	7	,	,	PUNCT
gujaf-373	320	8	14(2	14(2	NUM
gujaf-373	320	9	)	)	PUNCT
gujaf-373	320	10	,	,	PUNCT
gujaf-373	320	11	340–360	340–360	NUM
gujaf-373	320	12	.	.	PUNCT
gujaf-373	321	1	philip	philip	PROPN
gujaf-373	321	2	,	,	PUNCT
gujaf-373	321	3	l.	l.	PROPN
gujaf-373	321	4	n.	n.	PROPN
gujaf-373	321	5	(	(	PUNCT
gujaf-373	321	6	2025	2025	NUM
gujaf-373	321	7	)	)	PUNCT
gujaf-373	321	8	.	.	PUNCT
gujaf-373	322	1	the	the	DET
gujaf-373	322	2	role	role	NOUN
gujaf-373	322	3	of	of	ADP
gujaf-373	322	4	financial	financial	ADJ
gujaf-373	322	5	literacy	literacy	NOUN
gujaf-373	322	6	in	in	ADP
gujaf-373	322	7	driving	drive	VERB
gujaf-373	322	8	sustainable	sustainable	ADJ
gujaf-373	322	9	entrepreneurial	entrepreneurial	ADJ
gujaf-373	322	10	success	success	NOUN
gujaf-373	322	11	:	:	PUNCT
gujaf-373	322	12	a	a	DET
gujaf-373	322	13	case	case	NOUN
gujaf-373	322	14	study	study	NOUN
gujaf-373	322	15	of	of	ADP
gujaf-373	322	16	lapo	lapo	PROPN
gujaf-373	322	17	microfinance	microfinance	NOUN
gujaf-373	322	18	institution	institution	NOUN
gujaf-373	322	19	,	,	PUNCT
gujaf-373	322	20	nigeria	nigeria	PROPN
gujaf-373	322	21	.	.	PUNCT
gujaf-373	323	1	issues	issue	NOUN
gujaf-373	323	2	and	and	CCONJ
gujaf-373	323	3	perspectives	perspective	NOUN
gujaf-373	323	4	in	in	ADP
gujaf-373	323	5	business	business	NOUN
gujaf-373	323	6	and	and	CCONJ
gujaf-373	323	7	social	social	ADJ
gujaf-373	323	8	sciences	science	NOUN
gujaf-373	323	9	,	,	PUNCT
gujaf-373	323	10	5(1	5(1	NUM
gujaf-373	323	11	)	)	PUNCT
gujaf-373	323	12	,	,	PUNCT
gujaf-373	323	13	37–48	37–48	NUM
gujaf-373	323	14	.	.	PUNCT
gujaf-373	324	1	rahman	rahman	PROPN
gujaf-373	324	2	,	,	PUNCT
gujaf-373	324	3	m.	m.	NOUN
gujaf-373	324	4	m.	m.	NOUN
gujaf-373	324	5	,	,	PUNCT
gujaf-373	324	6	akhter	akhter	PROPN
gujaf-373	324	7	,	,	PUNCT
gujaf-373	324	8	r.	r.	PROPN
gujaf-373	324	9	,	,	PUNCT
gujaf-373	324	10	&	&	CCONJ
gujaf-373	324	11	hossain	hossain	PROPN
gujaf-373	324	12	,	,	PUNCT
gujaf-373	324	13	m.	m.	NOUN
gujaf-373	324	14	i.	i.	PROPN
gujaf-373	324	15	(	(	PUNCT
gujaf-373	324	16	2023	2023	NUM
gujaf-373	324	17	)	)	PUNCT
gujaf-373	324	18	.	.	PUNCT
gujaf-373	325	1	financial	financial	ADJ
gujaf-373	325	2	literacy	literacy	NOUN
gujaf-373	325	3	and	and	CCONJ
gujaf-373	325	4	entrepreneurial	entrepreneurial	ADJ
gujaf-373	325	5	success	success	NOUN
gujaf-373	325	6	:	:	PUNCT
gujaf-373	325	7	evidence	evidence	NOUN
gujaf-373	325	8	from	from	ADP
gujaf-373	325	9	south	south	PROPN
gujaf-373	325	10	asia	asia	PROPN
gujaf-373	325	11	.	.	PUNCT
gujaf-373	326	1	journal	journal	PROPN
gujaf-373	326	2	of	of	ADP
gujaf-373	326	3	small	small	ADJ
gujaf-373	326	4	business	business	NOUN
gujaf-373	326	5	strategy	strategy	NOUN
gujaf-373	326	6	,	,	PUNCT
gujaf-373	326	7	33(1	33(1	NUM
gujaf-373	326	8	)	)	PUNCT
gujaf-373	326	9	,	,	PUNCT
gujaf-373	326	10	101–117	101–117	NUM
gujaf-373	326	11	.	.	PUNCT
gujaf-373	327	1	saad	saad	PROPN
gujaf-373	327	2	,	,	PUNCT
gujaf-373	327	3	n.	n.	PROPN
gujaf-373	327	4	m.	m.	PROPN
gujaf-373	327	5	,	,	PUNCT
gujaf-373	327	6	&	&	CCONJ
gujaf-373	327	7	anis	anis	PROPN
gujaf-373	327	8	,	,	PUNCT
gujaf-373	327	9	z.	z.	PROPN
gujaf-373	327	10	(	(	PUNCT
gujaf-373	327	11	2021	2021	NUM
gujaf-373	327	12	)	)	PUNCT
gujaf-373	327	13	.	.	PUNCT
gujaf-373	328	1	microfinance	microfinance	NOUN
gujaf-373	328	2	and	and	CCONJ
gujaf-373	328	3	women	woman	NOUN
gujaf-373	328	4	's	's	PART
gujaf-373	328	5	empowerment	empowerment	NOUN
gujaf-373	328	6	:	:	PUNCT
gujaf-373	328	7	evidence	evidence	NOUN
gujaf-373	328	8	from	from	ADP
gujaf-373	328	9	malaysia	malaysia	PROPN
gujaf-373	328	10	.	.	PUNCT
gujaf-373	329	1	asian	asian	PROPN
gujaf-373	329	2	academy	academy	PROPN
gujaf-373	329	3	of	of	ADP
gujaf-373	329	4	management	management	PROPN
gujaf-373	329	5	journal	journal	NOUN
gujaf-373	329	6	,	,	PUNCT
gujaf-373	329	7	26(2	26(2	NUM
gujaf-373	329	8	)	)	PUNCT
gujaf-373	329	9	,	,	PUNCT
gujaf-373	329	10	123–147	123–147	NUM
gujaf-373	329	11	.	.	PUNCT
gujaf-373	329	12	tesfaye	tesfaye	PROPN
gujaf-373	329	13	,	,	PUNCT
gujaf-373	329	14	y.	y.	PROPN
gujaf-373	329	15	a.	a.	PROPN
gujaf-373	329	16	,	,	PUNCT
gujaf-373	329	17	&	&	CCONJ
gujaf-373	329	18	bekele	bekele	PROPN
gujaf-373	329	19	,	,	PUNCT
gujaf-373	329	20	g.	g.	PROPN
gujaf-373	329	21	(	(	PUNCT
gujaf-373	329	22	2021	2021	NUM
gujaf-373	329	23	)	)	PUNCT
gujaf-373	329	24	.	.	PUNCT
gujaf-373	330	1	the	the	DET
gujaf-373	330	2	role	role	NOUN
gujaf-373	330	3	of	of	ADP
gujaf-373	330	4	financial	financial	ADJ
gujaf-373	330	5	literacy	literacy	NOUN
gujaf-373	330	6	in	in	ADP
gujaf-373	330	7	microenterprise	microenterprise	ADJ
gujaf-373	330	8	success	success	NOUN
gujaf-373	330	9	:	:	PUNCT
gujaf-373	330	10	evidence	evidence	NOUN
gujaf-373	330	11	from	from	ADP
gujaf-373	330	12	rural	rural	ADJ
gujaf-373	330	13	ethiopia	ethiopia	PROPN
gujaf-373	330	14	.	.	PUNCT
gujaf-373	331	1	ethiopian	ethiopian	PROPN
gujaf-373	331	2	journal	journal	PROPN
gujaf-373	331	3	of	of	ADP
gujaf-373	331	4	economics	economic	NOUN
gujaf-373	331	5	,	,	PUNCT
gujaf-373	331	6	30(2	30(2	NUM
gujaf-373	331	7	)	)	PUNCT
gujaf-373	331	8	,	,	PUNCT
gujaf-373	331	9	65–85	65–85	NUM
gujaf-373	331	10	.	.	PUNCT
gujaf-373	332	1	united	united	PROPN
gujaf-373	332	2	nations	nations	PROPN
gujaf-373	332	3	.	.	PUNCT
gujaf-373	333	1	(	(	PUNCT
gujaf-373	333	2	2020	2020	NUM
gujaf-373	333	3	)	)	PUNCT
gujaf-373	333	4	.	.	PUNCT
gujaf-373	334	1	the	the	DET
gujaf-373	334	2	sustainable	sustainable	ADJ
gujaf-373	334	3	development	development	NOUN
gujaf-373	334	4	goals	goal	NOUN
gujaf-373	334	5	report	report	VERB
gujaf-373	334	6	2020	2020	NUM
gujaf-373	334	7	.	.	PUNCT
gujaf-373	335	1	world	world	PROPN
gujaf-373	335	2	bank	bank	PROPN
gujaf-373	335	3	.	.	PUNCT
gujaf-373	336	1	(	(	PUNCT
gujaf-373	336	2	2021	2021	NUM
gujaf-373	336	3	)	)	PUNCT
gujaf-373	336	4	.	.	PUNCT
gujaf-373	337	1	enhancing	enhance	VERB
gujaf-373	337	2	financial	financial	ADJ
gujaf-373	337	3	capability	capability	NOUN
gujaf-373	337	4	and	and	CCONJ
gujaf-373	337	5	inclusion	inclusion	NOUN
gujaf-373	337	6	in	in	ADP
gujaf-373	337	7	nigeria	nigeria	PROPN
gujaf-373	337	8	.	.	PUNCT
gujaf-373	338	1	world	world	PROPN
gujaf-373	338	2	bank	bank	PROPN
gujaf-373	338	3	.	.	PUNCT
gujaf-373	339	1	(	(	PUNCT
gujaf-373	339	2	2023	2023	NUM
gujaf-373	339	3	)	)	PUNCT
gujaf-373	339	4	.	.	PUNCT
gujaf-373	340	1	fostering	foster	VERB
gujaf-373	340	2	financial	financial	ADJ
gujaf-373	340	3	capability	capability	NOUN
gujaf-373	340	4	and	and	CCONJ
gujaf-373	340	5	inclusion	inclusion	NOUN
gujaf-373	340	6	for	for	ADP
gujaf-373	340	7	msmes	msme	NOUN
gujaf-373	340	8	in	in	ADP
gujaf-373	340	9	developing	develop	VERB
gujaf-373	340	10	economies	economy	NOUN
gujaf-373	340	11	.	.	PUNCT
gujaf-373	341	1	yusuf	yusuf	PROPN
gujaf-373	341	2	,	,	PUNCT
gujaf-373	341	3	a.	a.	NOUN
gujaf-373	341	4	m.	m.	NOUN
gujaf-373	341	5	,	,	PUNCT
gujaf-373	341	6	lawal	lawal	PROPN
gujaf-373	341	7	,	,	PUNCT
gujaf-373	341	8	f.	f.	PROPN
gujaf-373	341	9	,	,	PUNCT
gujaf-373	341	10	&	&	CCONJ
gujaf-373	341	11	adeyemo	adeyemo	PROPN
gujaf-373	341	12	,	,	PUNCT
gujaf-373	341	13	b.	b.	PROPN
gujaf-373	341	14	(	(	PUNCT
gujaf-373	341	15	2024	2024	NUM
gujaf-373	341	16	)	)	PUNCT
gujaf-373	341	17	.	.	PUNCT
gujaf-373	342	1	the	the	DET
gujaf-373	342	2	nexus	nexus	NOUN
gujaf-373	342	3	between	between	ADP
gujaf-373	342	4	microfinance	microfinance	NOUN
gujaf-373	342	5	,	,	PUNCT
gujaf-373	342	6	financial	financial	ADJ
gujaf-373	342	7	capability	capability	NOUN
gujaf-373	342	8	,	,	PUNCT
gujaf-373	342	9	and	and	CCONJ
gujaf-373	342	10	women	woman	NOUN
gujaf-373	342	11	entrepreneurship	entrepreneurship	NOUN
gujaf-373	342	12	in	in	ADP
gujaf-373	342	13	nigeria	nigeria	PROPN
gujaf-373	342	14	.	.	PUNCT
gujaf-373	343	1	journal	journal	PROPN
gujaf-373	343	2	of	of	ADP
gujaf-373	343	3	enterprising	enterprise	VERB
gujaf-373	343	4	communities	community	NOUN
gujaf-373	343	5	,	,	PUNCT
gujaf-373	343	6	advance	advance	VERB
gujaf-373	343	7	online	online	ADJ
gujaf-373	343	8	publication	publication	NOUN
gujaf-373	343	9	.	.	PUNCT
gujaf-373	344	1	zhao	zhao	PROPN
gujaf-373	344	2	,	,	PUNCT
gujaf-373	344	3	x.	x.	PROPN
gujaf-373	344	4	,	,	PUNCT
gujaf-373	344	5	lynch	lynch	PROPN
gujaf-373	344	6	,	,	PUNCT
gujaf-373	344	7	j.	j.	PROPN
gujaf-373	344	8	g.	g.	PROPN
gujaf-373	344	9	,	,	PUNCT
gujaf-373	344	10	&	&	CCONJ
gujaf-373	344	11	chen	chen	PROPN
gujaf-373	344	12	,	,	PUNCT
gujaf-373	344	13	q.	q.	PROPN
gujaf-373	344	14	(	(	PUNCT
gujaf-373	344	15	2010	2010	NUM
gujaf-373	344	16	)	)	PUNCT
gujaf-373	344	17	.	.	PUNCT
gujaf-373	345	1	reconsidering	reconsider	VERB
gujaf-373	345	2	baron	baron	NOUN
gujaf-373	345	3	and	and	CCONJ
gujaf-373	345	4	kenny	kenny	PROPN
gujaf-373	345	5	:	:	PUNCT
gujaf-373	345	6	myths	myth	NOUN
gujaf-373	345	7	and	and	CCONJ
gujaf-373	345	8	truths	truth	NOUN
gujaf-373	345	9	about	about	ADP
gujaf-373	345	10	mediation	mediation	NOUN
gujaf-373	345	11	analysis	analysis	NOUN
gujaf-373	345	12	.	.	PUNCT
gujaf-373	346	1	journal	journal	NOUN
gujaf-373	346	2	of	of	ADP
gujaf-373	346	3	consumer	consumer	NOUN
gujaf-373	346	4	research	research	NOUN
gujaf-373	346	5	,	,	PUNCT
gujaf-373	346	6	37(2	37(2	PROPN
gujaf-373	346	7	)	)	PUNCT
gujaf-373	346	8	,	,	PUNCT
gujaf-373	346	9	197–206	197–206	NUM
gujaf-373	346	10	.	.	PUNCT