id	sid	tid	token	lemma	pos
gujaf-374	1	1	microsoft	microsoft	PROPN
gujaf-374	1	2	word	word	PROPN
gujaf-374	1	3	fk	fk	INTJ
gujaf-374	1	4	to	to	ADP
gujaf-374	1	5	mr	mr	PROPN
gujaf-374	1	6	hassan	hassan	PROPN
gujaf-374	1	7	6	6	NUM
gujaf-374	1	8	1	1	NUM
gujaf-374	1	9	gusau	gusau	ADJ
gujaf-374	1	10	journal	journal	NOUN
gujaf-374	1	11	of	of	ADP
gujaf-374	1	12	accounting	accounting	NOUN
gujaf-374	1	13	and	and	CCONJ
gujaf-374	1	14	finance	finance	NOUN
gujaf-374	1	15	,	,	PUNCT
gujaf-374	1	16	vol.6	vol.6	PROPN
gujaf-374	1	17	,	,	PUNCT
gujaf-374	1	18	issue	issue	NOUN
gujaf-374	1	19	1	1	NUM
gujaf-374	1	20	,	,	PUNCT
gujaf-374	1	21	april	april	PROPN
gujaf-374	1	22	,	,	PUNCT
gujaf-374	1	23	2025	2025	NUM
gujaf-374	1	24	138	138	NUM
gujaf-374	1	25	mortgage	mortgage	NOUN
gujaf-374	1	26	finance	finance	NOUN
gujaf-374	1	27	,	,	PUNCT
gujaf-374	1	28	institutional	institutional	ADJ
gujaf-374	1	29	factors	factor	NOUN
gujaf-374	1	30	and	and	CCONJ
gujaf-374	1	31	housing	housing	NOUN
gujaf-374	1	32	development	development	NOUN
gujaf-374	1	33	in	in	ADP
gujaf-374	1	34	nigeria	nigeria	PROPN
gujaf-374	1	35	lukman	lukman	PROPN
gujaf-374	1	36	adebayo	adebayo	PROPN
gujaf-374	1	37	-	-	PUNCT
gujaf-374	1	38	oke	oke	PROPN
gujaf-374	1	39	abdurauf	abdurauf	PROPN
gujaf-374	1	40	department	department	PROPN
gujaf-374	1	41	of	of	ADP
gujaf-374	1	42	accounting	accounting	NOUN
gujaf-374	1	43	and	and	CCONJ
gujaf-374	1	44	finance	finance	NOUN
gujaf-374	1	45	,	,	PUNCT
gujaf-374	1	46	kwara	kwara	PROPN
gujaf-374	1	47	state	state	PROPN
gujaf-374	1	48	university	university	PROPN
gujaf-374	1	49	,	,	PUNCT
gujaf-374	1	50	malete	malete	NOUN
gujaf-374	1	51	,	,	PUNCT
gujaf-374	1	52	kwara	kwara	PROPN
gujaf-374	1	53	state	state	PROPN
gujaf-374	1	54	,	,	PUNCT
gujaf-374	1	55	nigeria	nigeria	PROPN
gujaf-374	1	56	.	.	PUNCT
gujaf-374	2	1	okelukman2003@yahoo.com	okelukman2003@yahoo.com	PROPN
gujaf-374	2	2	,	,	PUNCT
gujaf-374	2	3	+2348034305255	+2348034305255	PROPN
gujaf-374	2	4	sheriff	sheriff	PROPN
gujaf-374	2	5	akanji	akanji	PROPN
gujaf-374	2	6	ibrahim	ibrahim	PROPN
gujaf-374	2	7	department	department	PROPN
gujaf-374	2	8	of	of	ADP
gujaf-374	2	9	accounting	accounting	NOUN
gujaf-374	2	10	and	and	CCONJ
gujaf-374	2	11	finance	finance	NOUN
gujaf-374	2	12	,	,	PUNCT
gujaf-374	2	13	kwara	kwara	PROPN
gujaf-374	2	14	state	state	PROPN
gujaf-374	2	15	university	university	PROPN
gujaf-374	2	16	,	,	PUNCT
gujaf-374	2	17	malete	malete	NOUN
gujaf-374	2	18	,	,	PUNCT
gujaf-374	2	19	kwara	kwara	PROPN
gujaf-374	2	20	state	state	PROPN
gujaf-374	2	21	,	,	PUNCT
gujaf-374	2	22	nigeria	nigeria	PROPN
gujaf-374	2	23	.	.	PUNCT
gujaf-374	3	1	sheffygold001@gmail.com	sheffygold001@gmail.com	X
gujaf-374	3	2	,	,	PUNCT
gujaf-374	3	3	+2348136488288	+2348136488288	NUM
gujaf-374	3	4	yusuf	yusuf	PROPN
gujaf-374	3	5	olamilekan	olamilekan	PROPN
gujaf-374	3	6	quadri	quadri	PROPN
gujaf-374	3	7	department	department	PROPN
gujaf-374	3	8	of	of	ADP
gujaf-374	3	9	accounting	accounting	NOUN
gujaf-374	3	10	and	and	CCONJ
gujaf-374	3	11	finance	finance	NOUN
gujaf-374	3	12	,	,	PUNCT
gujaf-374	3	13	kwara	kwara	PROPN
gujaf-374	3	14	state	state	PROPN
gujaf-374	3	15	university	university	PROPN
gujaf-374	3	16	,	,	PUNCT
gujaf-374	3	17	malete	malete	NOUN
gujaf-374	3	18	,	,	PUNCT
gujaf-374	3	19	kwara	kwara	PROPN
gujaf-374	3	20	state	state	PROPN
gujaf-374	3	21	,	,	PUNCT
gujaf-374	3	22	nigeria	nigeria	PROPN
gujaf-374	3	23	.	.	PUNCT
gujaf-374	4	1	quadriyusuf@gmail.com	quadriyusuf@gmail.com	PROPN
gujaf-374	4	2	,	,	PUNCT
gujaf-374	4	3	+2348065587154	+2348065587154	VERB
gujaf-374	4	4	https://doi.org/10.57233/gujaf.v6i1.10	https://doi.org/10.57233/gujaf.v6i1.10	NOUN
gujaf-374	4	5	abstract	abstract	ADJ
gujaf-374	4	6	the	the	DET
gujaf-374	4	7	need	need	NOUN
gujaf-374	4	8	to	to	PART
gujaf-374	4	9	establish	establish	VERB
gujaf-374	4	10	the	the	DET
gujaf-374	4	11	role	role	NOUN
gujaf-374	4	12	of	of	ADP
gujaf-374	4	13	institutional	institutional	ADJ
gujaf-374	4	14	factors	factor	NOUN
gujaf-374	4	15	in	in	ADP
gujaf-374	4	16	the	the	DET
gujaf-374	4	17	impact	impact	NOUN
gujaf-374	4	18	of	of	ADP
gujaf-374	4	19	mortgage	mortgage	NOUN
gujaf-374	4	20	finance	finance	NOUN
gujaf-374	4	21	on	on	ADP
gujaf-374	4	22	housing	housing	NOUN
gujaf-374	4	23	development	development	NOUN
gujaf-374	4	24	in	in	ADP
gujaf-374	4	25	nigeria	nigeria	PROPN
gujaf-374	4	26	creates	create	VERB
gujaf-374	4	27	the	the	DET
gujaf-374	4	28	necessity	necessity	NOUN
gujaf-374	4	29	for	for	ADP
gujaf-374	4	30	this	this	DET
gujaf-374	4	31	study	study	NOUN
gujaf-374	4	32	.	.	PUNCT
gujaf-374	5	1	this	this	DET
gujaf-374	5	2	study	study	NOUN
gujaf-374	5	3	examines	examine	VERB
gujaf-374	5	4	the	the	DET
gujaf-374	5	5	interacting	interact	VERB
gujaf-374	5	6	effect	effect	NOUN
gujaf-374	5	7	of	of	ADP
gujaf-374	5	8	institutional	institutional	ADJ
gujaf-374	5	9	factors	factor	NOUN
gujaf-374	5	10	in	in	ADP
gujaf-374	5	11	the	the	DET
gujaf-374	5	12	relationship	relationship	NOUN
gujaf-374	5	13	between	between	ADP
gujaf-374	5	14	mortgage	mortgage	NOUN
gujaf-374	5	15	finance	finance	NOUN
gujaf-374	5	16	and	and	CCONJ
gujaf-374	5	17	housing	housing	NOUN
gujaf-374	5	18	development	development	NOUN
gujaf-374	5	19	.	.	PUNCT
gujaf-374	6	1	quarterly	quarterly	ADJ
gujaf-374	6	2	data	datum	NOUN
gujaf-374	6	3	on	on	ADP
gujaf-374	6	4	housing	housing	NOUN
gujaf-374	6	5	delivery	delivery	NOUN
gujaf-374	6	6	,	,	PUNCT
gujaf-374	6	7	mortgage	mortgage	NOUN
gujaf-374	6	8	finance	finance	NOUN
gujaf-374	6	9	and	and	CCONJ
gujaf-374	6	10	institutional	institutional	ADJ
gujaf-374	6	11	and	and	CCONJ
gujaf-374	6	12	economic	economic	ADJ
gujaf-374	6	13	factors	factor	NOUN
gujaf-374	6	14	were	be	AUX
gujaf-374	6	15	sourced	source	VERB
gujaf-374	6	16	from	from	ADP
gujaf-374	6	17	the	the	DET
gujaf-374	6	18	central	central	ADJ
gujaf-374	6	19	bank	bank	PROPN
gujaf-374	6	20	of	of	ADP
gujaf-374	6	21	nigeria	nigeria	PROPN
gujaf-374	6	22	statistical	statistical	ADJ
gujaf-374	6	23	bulletin	bulletin	NOUN
gujaf-374	6	24	,	,	PUNCT
gujaf-374	6	25	federal	federal	ADJ
gujaf-374	6	26	mortgage	mortgage	NOUN
gujaf-374	6	27	bank	bank	PROPN
gujaf-374	6	28	of	of	ADP
gujaf-374	6	29	nigeria	nigeria	PROPN
gujaf-374	6	30	audited	audit	VERB
gujaf-374	6	31	report	report	NOUN
gujaf-374	6	32	and	and	CCONJ
gujaf-374	6	33	world	world	NOUN
gujaf-374	6	34	governance	governance	NOUN
gujaf-374	6	35	indicator	indicator	NOUN
gujaf-374	6	36	between	between	ADP
gujaf-374	6	37	2005	2005	NUM
gujaf-374	6	38	to	to	ADP
gujaf-374	6	39	2022	2022	NUM
gujaf-374	6	40	.	.	PUNCT
gujaf-374	7	1	empirical	empirical	ADJ
gujaf-374	7	2	analysis	analysis	NOUN
gujaf-374	7	3	was	be	AUX
gujaf-374	7	4	conducted	conduct	VERB
gujaf-374	7	5	using	use	VERB
gujaf-374	7	6	the	the	DET
gujaf-374	7	7	autoregressive	autoregressive	ADJ
gujaf-374	7	8	distributed	distribute	VERB
gujaf-374	7	9	lag	lag	NOUN
gujaf-374	7	10	(	(	PUNCT
gujaf-374	7	11	ardl	ardl	NOUN
gujaf-374	7	12	)	)	PUNCT
gujaf-374	7	13	model	model	NOUN
gujaf-374	7	14	.	.	PUNCT
gujaf-374	8	1	the	the	DET
gujaf-374	8	2	research	research	NOUN
gujaf-374	8	3	found	find	VERB
gujaf-374	8	4	a	a	DET
gujaf-374	8	5	negative	negative	ADJ
gujaf-374	8	6	and	and	CCONJ
gujaf-374	8	7	significant	significant	ADJ
gujaf-374	8	8	(	(	PUNCT
gujaf-374	8	9	at	at	ADP
gujaf-374	8	10	10	10	NUM
gujaf-374	8	11	%	%	NOUN
gujaf-374	8	12	level	level	NOUN
gujaf-374	8	13	of	of	ADP
gujaf-374	8	14	significance	significance	NOUN
gujaf-374	8	15	)	)	PUNCT
gujaf-374	8	16	interacting	interact	VERB
gujaf-374	8	17	effect	effect	NOUN
gujaf-374	8	18	of	of	ADP
gujaf-374	8	19	institutional	institutional	ADJ
gujaf-374	8	20	factors	factor	NOUN
gujaf-374	8	21	in	in	ADP
gujaf-374	8	22	the	the	DET
gujaf-374	8	23	relationship	relationship	NOUN
gujaf-374	8	24	between	between	ADP
gujaf-374	8	25	mortgage	mortgage	NOUN
gujaf-374	8	26	interest	interest	NOUN
gujaf-374	8	27	(	(	PUNCT
gujaf-374	8	28	coeff.;-1.967	coeff.;-1.967	NOUN
gujaf-374	8	29	:	:	PUNCT
gujaf-374	8	30	p	p	X
gujaf-374	8	31	-	-	PUNCT
gujaf-374	8	32	value;0.0734	value;0.0734	NOUN
gujaf-374	8	33	)	)	PUNCT
gujaf-374	8	34	and	and	CCONJ
gujaf-374	8	35	housing	housing	NOUN
gujaf-374	8	36	development	development	NOUN
gujaf-374	8	37	,	,	PUNCT
gujaf-374	8	38	while	while	SCONJ
gujaf-374	8	39	institutional	institutional	ADJ
gujaf-374	8	40	factors	factor	NOUN
gujaf-374	8	41	render	render	VERB
gujaf-374	8	42	the	the	DET
gujaf-374	8	43	effect	effect	NOUN
gujaf-374	8	44	of	of	ADP
gujaf-374	8	45	mortgage	mortgage	NOUN
gujaf-374	8	46	loan	loan	NOUN
gujaf-374	8	47	and	and	CCONJ
gujaf-374	8	48	mortgage	mortgage	NOUN
gujaf-374	8	49	equity	equity	NOUN
gujaf-374	8	50	on	on	ADP
gujaf-374	8	51	housing	housing	NOUN
gujaf-374	8	52	delivery	delivery	NOUN
gujaf-374	8	53	insignificant	insignificant	ADJ
gujaf-374	8	54	.	.	PUNCT
gujaf-374	9	1	the	the	DET
gujaf-374	9	2	paper	paper	NOUN
gujaf-374	9	3	concludes	conclude	VERB
gujaf-374	9	4	that	that	SCONJ
gujaf-374	9	5	the	the	DET
gujaf-374	9	6	interaction	interaction	NOUN
gujaf-374	9	7	of	of	ADP
gujaf-374	9	8	institutional	institutional	ADJ
gujaf-374	9	9	factors	factor	NOUN
gujaf-374	9	10	such	such	ADJ
gujaf-374	9	11	as	as	ADP
gujaf-374	9	12	government	government	NOUN
gujaf-374	9	13	effectiveness	effectiveness	NOUN
gujaf-374	9	14	,	,	PUNCT
gujaf-374	9	15	corruption	corruption	NOUN
gujaf-374	9	16	,	,	PUNCT
gujaf-374	9	17	regulatory	regulatory	ADJ
gujaf-374	9	18	framework	framework	NOUN
gujaf-374	9	19	,	,	PUNCT
gujaf-374	9	20	rule	rule	NOUN
gujaf-374	9	21	of	of	ADP
gujaf-374	9	22	law	law	NOUN
gujaf-374	9	23	among	among	ADP
gujaf-374	9	24	others	other	NOUN
gujaf-374	9	25	,	,	PUNCT
gujaf-374	9	26	downplays	downplay	VERB
gujaf-374	9	27	the	the	DET
gujaf-374	9	28	efficacy	efficacy	NOUN
gujaf-374	9	29	of	of	ADP
gujaf-374	9	30	mortgage	mortgage	NOUN
gujaf-374	9	31	finance	finance	NOUN
gujaf-374	9	32	in	in	ADP
gujaf-374	9	33	causing	cause	VERB
gujaf-374	9	34	housing	housing	NOUN
gujaf-374	9	35	development	development	NOUN
gujaf-374	9	36	in	in	ADP
gujaf-374	9	37	the	the	DET
gujaf-374	9	38	short	short	ADJ
gujaf-374	9	39	run	run	NOUN
gujaf-374	9	40	and	and	CCONJ
gujaf-374	9	41	recommends	recommend	VERB
gujaf-374	9	42	a	a	DET
gujaf-374	9	43	strengthened	strengthen	VERB
gujaf-374	9	44	institutional	institutional	ADJ
gujaf-374	9	45	framework	framework	NOUN
gujaf-374	9	46	that	that	PRON
gujaf-374	9	47	guarantees	guarantee	VERB
gujaf-374	9	48	stringent	stringent	ADJ
gujaf-374	9	49	anti	anti	ADJ
gujaf-374	9	50	-	-	ADJ
gujaf-374	9	51	corruption	corruption	ADJ
gujaf-374	9	52	measures	measure	NOUN
gujaf-374	9	53	,	,	PUNCT
gujaf-374	9	54	transparent	transparent	ADJ
gujaf-374	9	55	mortgage	mortgage	NOUN
gujaf-374	9	56	application	application	NOUN
gujaf-374	9	57	and	and	CCONJ
gujaf-374	9	58	approval	approval	NOUN
gujaf-374	9	59	process	process	NOUN
gujaf-374	9	60	,	,	PUNCT
gujaf-374	9	61	and	and	CCONJ
gujaf-374	9	62	expedited	expedite	VERB
gujaf-374	9	63	bureaucratic	bureaucratic	ADJ
gujaf-374	9	64	processes	process	NOUN
gujaf-374	9	65	,	,	PUNCT
gujaf-374	9	66	to	to	PART
gujaf-374	9	67	enhance	enhance	VERB
gujaf-374	9	68	accessibility	accessibility	NOUN
gujaf-374	9	69	of	of	ADP
gujaf-374	9	70	mortgage	mortgage	NOUN
gujaf-374	9	71	finance	finance	NOUN
gujaf-374	9	72	.	.	PUNCT
gujaf-374	10	1	keywords	keyword	NOUN
gujaf-374	10	2	:	:	PUNCT
gujaf-374	10	3	mortgage	mortgage	NOUN
gujaf-374	10	4	finance	finance	NOUN
gujaf-374	10	5	,	,	PUNCT
gujaf-374	10	6	institutional	institutional	ADJ
gujaf-374	10	7	factors	factor	NOUN
gujaf-374	10	8	,	,	PUNCT
gujaf-374	10	9	housing	housing	NOUN
gujaf-374	10	10	development	development	PROPN
gujaf-374	10	11	jel	jel	PROPN
gujaf-374	10	12	classifications	classification	NOUN
gujaf-374	10	13	:	:	PUNCT
gujaf-374	10	14	e62	e62	NOUN
gujaf-374	10	15	,	,	PUNCT
gujaf-374	10	16	e63	e63	NOUN
gujaf-374	10	17	,	,	PUNCT
gujaf-374	10	18	i31	i31	NOUN
gujaf-374	10	19	1.0	1.0	NUM
gujaf-374	10	20	introduction	introduction	NOUN
gujaf-374	10	21	inclusive	inclusive	ADJ
gujaf-374	10	22	development	development	NOUN
gujaf-374	10	23	in	in	ADP
gujaf-374	10	24	social	social	ADJ
gujaf-374	10	25	,	,	PUNCT
gujaf-374	10	26	economic	economic	ADJ
gujaf-374	10	27	and	and	CCONJ
gujaf-374	10	28	environmental	environmental	ADJ
gujaf-374	10	29	aspects	aspect	NOUN
gujaf-374	10	30	is	be	AUX
gujaf-374	10	31	crucial	crucial	ADJ
gujaf-374	10	32	for	for	ADP
gujaf-374	10	33	both	both	CCONJ
gujaf-374	10	34	present	present	ADJ
gujaf-374	10	35	and	and	CCONJ
gujaf-374	10	36	future	future	ADJ
gujaf-374	10	37	generations	generation	NOUN
gujaf-374	10	38	.	.	PUNCT
gujaf-374	11	1	shelter	shelter	NOUN
gujaf-374	11	2	is	be	AUX
gujaf-374	11	3	a	a	DET
gujaf-374	11	4	basic	basic	ADJ
gujaf-374	11	5	human	human	ADJ
gujaf-374	11	6	need	need	NOUN
gujaf-374	11	7	and	and	CCONJ
gujaf-374	11	8	equal	equal	ADJ
gujaf-374	11	9	access	access	NOUN
gujaf-374	11	10	to	to	ADP
gujaf-374	11	11	safe	safe	ADJ
gujaf-374	11	12	,	,	PUNCT
gujaf-374	11	13	affordable	affordable	ADJ
gujaf-374	11	14	housing	housing	NOUN
gujaf-374	11	15	is	be	AUX
gujaf-374	11	16	a	a	DET
gujaf-374	11	17	un	un	PROPN
gujaf-374	11	18	policy	policy	NOUN
gujaf-374	11	19	target	target	NOUN
gujaf-374	11	20	to	to	PART
gujaf-374	11	21	achieve	achieve	VERB
gujaf-374	11	22	sustainable	sustainable	ADJ
gujaf-374	11	23	cities	city	NOUN
gujaf-374	11	24	and	and	CCONJ
gujaf-374	11	25	communities	community	NOUN
gujaf-374	11	26	by	by	ADP
gujaf-374	11	27	2030	2030	NUM
gujaf-374	11	28	.	.	PUNCT
gujaf-374	12	1	uwatt	uwatt	NOUN
gujaf-374	12	2	(	(	PUNCT
gujaf-374	12	3	2019	2019	NUM
gujaf-374	12	4	)	)	PUNCT
gujaf-374	12	5	noted	note	VERB
gujaf-374	12	6	that	that	SCONJ
gujaf-374	12	7	adequate	adequate	ADJ
gujaf-374	12	8	housing	housing	NOUN
gujaf-374	12	9	enhances	enhance	VERB
gujaf-374	12	10	economic	economic	ADJ
gujaf-374	12	11	development	development	NOUN
gujaf-374	12	12	through	through	ADP
gujaf-374	12	13	employment	employment	NOUN
gujaf-374	12	14	,	,	PUNCT
gujaf-374	12	15	savings	saving	NOUN
gujaf-374	12	16	,	,	PUNCT
gujaf-374	12	17	investment	investment	NOUN
gujaf-374	12	18	,	,	PUNCT
gujaf-374	12	19	and	and	CCONJ
gujaf-374	12	20	labor	labor	NOUN
gujaf-374	12	21	productivity	productivity	NOUN
gujaf-374	12	22	.	.	PUNCT
gujaf-374	13	1	efficient	efficient	ADJ
gujaf-374	13	2	availability	availability	NOUN
gujaf-374	13	3	of	of	ADP
gujaf-374	13	4	mortgages	mortgage	NOUN
gujaf-374	13	5	can	can	AUX
gujaf-374	13	6	promote	promote	VERB
gujaf-374	13	7	financial	financial	ADJ
gujaf-374	13	8	market	market	NOUN
gujaf-374	13	9	development	development	NOUN
gujaf-374	13	10	and	and	CCONJ
gujaf-374	13	11	stimulate	stimulate	VERB
gujaf-374	13	12	investment	investment	NOUN
gujaf-374	13	13	in	in	ADP
gujaf-374	13	14	the	the	DET
gujaf-374	13	15	housing	housing	NOUN
gujaf-374	13	16	sector	sector	NOUN
gujaf-374	13	17	,	,	PUNCT
gujaf-374	13	18	thereby	thereby	ADV
gujaf-374	13	19	promoting	promote	VERB
gujaf-374	13	20	redistributive	redistributive	ADJ
gujaf-374	13	21	and	and	CCONJ
gujaf-374	13	22	growth	growth	NOUN
gujaf-374	13	23	objectives	objective	NOUN
gujaf-374	13	24	.	.	PUNCT
gujaf-374	14	1	gusau	gusau	ADJ
gujaf-374	14	2	journal	journal	PROPN
gujaf-374	14	3	of	of	ADP
gujaf-374	14	4	accounting	accounting	NOUN
gujaf-374	14	5	and	and	CCONJ
gujaf-374	14	6	finance	finance	NOUN
gujaf-374	14	7	,	,	PUNCT
gujaf-374	14	8	vol.6	vol.6	PROPN
gujaf-374	14	9	,	,	PUNCT
gujaf-374	14	10	issue	issue	NOUN
gujaf-374	14	11	1	1	NUM
gujaf-374	14	12	,	,	PUNCT
gujaf-374	14	13	april	april	PROPN
gujaf-374	14	14	,	,	PUNCT
gujaf-374	14	15	2025	2025	NUM
gujaf-374	14	16	139	139	NUM
gujaf-374	14	17	according	accord	VERB
gujaf-374	14	18	to	to	ADP
gujaf-374	14	19	the	the	DET
gujaf-374	14	20	united	united	PROPN
gujaf-374	14	21	nations	nations	PROPN
gujaf-374	14	22	,	,	PUNCT
gujaf-374	14	23	nigeria	nigeria	PROPN
gujaf-374	14	24	currently	currently	ADV
gujaf-374	14	25	has	have	VERB
gujaf-374	14	26	236million	236million	PROPN
gujaf-374	14	27	population	population	NOUN
gujaf-374	14	28	,	,	PUNCT
gujaf-374	14	29	and	and	CCONJ
gujaf-374	14	30	by	by	ADP
gujaf-374	14	31	2050	2050	NUM
gujaf-374	14	32	,	,	PUNCT
gujaf-374	14	33	that	that	DET
gujaf-374	14	34	number	number	NOUN
gujaf-374	14	35	is	be	AUX
gujaf-374	14	36	expected	expect	VERB
gujaf-374	14	37	to	to	PART
gujaf-374	14	38	increase	increase	VERB
gujaf-374	14	39	to	to	ADP
gujaf-374	14	40	400	400	NUM
gujaf-374	14	41	million	million	NUM
gujaf-374	14	42	.	.	PUNCT
gujaf-374	15	1	in	in	ADP
gujaf-374	15	2	2019	2019	NUM
gujaf-374	15	3	,	,	PUNCT
gujaf-374	15	4	nigeria	nigeria	PROPN
gujaf-374	15	5	's	's	PART
gujaf-374	15	6	housing	housing	NOUN
gujaf-374	15	7	deficit	deficit	NOUN
gujaf-374	15	8	was	be	AUX
gujaf-374	15	9	estimated	estimate	VERB
gujaf-374	15	10	by	by	ADP
gujaf-374	15	11	the	the	DET
gujaf-374	15	12	world	world	PROPN
gujaf-374	15	13	bank	bank	PROPN
gujaf-374	15	14	in	in	ADP
gujaf-374	15	15	policy	policy	NOUN
gujaf-374	15	16	research	research	NOUN
gujaf-374	15	17	to	to	PART
gujaf-374	15	18	be	be	AUX
gujaf-374	15	19	20	20	NUM
gujaf-374	15	20	million	million	NUM
gujaf-374	15	21	by	by	ADP
gujaf-374	15	22	2030	2030	NUM
gujaf-374	15	23	(	(	PUNCT
gujaf-374	15	24	behr	behr	NOUN
gujaf-374	15	25	et	et	PROPN
gujaf-374	15	26	al	al	PROPN
gujaf-374	15	27	.	.	PROPN
gujaf-374	15	28	,	,	PUNCT
gujaf-374	15	29	2021	2021	NUM
gujaf-374	15	30	)	)	PUNCT
gujaf-374	15	31	,	,	PUNCT
gujaf-374	15	32	however	however	ADV
gujaf-374	15	33	,	,	PUNCT
gujaf-374	15	34	the	the	DET
gujaf-374	15	35	state	state	NOUN
gujaf-374	15	36	house	house	NOUN
gujaf-374	15	37	(	(	PUNCT
gujaf-374	15	38	2023	2023	NUM
gujaf-374	15	39	)	)	PUNCT
gujaf-374	15	40	reports	report	NOUN
gujaf-374	15	41	of	of	ADP
gujaf-374	15	42	2023	2023	NUM
gujaf-374	15	43	indicated	indicate	VERB
gujaf-374	15	44	that	that	SCONJ
gujaf-374	15	45	nigeria	nigeria	PROPN
gujaf-374	15	46	's	's	PART
gujaf-374	15	47	housing	housing	NOUN
gujaf-374	15	48	deficit	deficit	NOUN
gujaf-374	15	49	had	have	AUX
gujaf-374	15	50	already	already	ADV
gujaf-374	15	51	increased	increase	VERB
gujaf-374	15	52	to	to	ADP
gujaf-374	15	53	28	28	NUM
gujaf-374	15	54	million	million	NUM
gujaf-374	15	55	units	unit	NOUN
gujaf-374	15	56	.	.	PUNCT
gujaf-374	16	1	the	the	DET
gujaf-374	16	2	world	world	PROPN
gujaf-374	16	3	bank	bank	PROPN
gujaf-374	16	4	(	(	PUNCT
gujaf-374	16	5	2024	2024	NUM
gujaf-374	16	6	)	)	PUNCT
gujaf-374	16	7	estimates	estimate	VERB
gujaf-374	16	8	that	that	SCONJ
gujaf-374	16	9	at	at	ADV
gujaf-374	16	10	least	least	ADV
gujaf-374	16	11	40	40	NUM
gujaf-374	16	12	%	%	NOUN
gujaf-374	16	13	of	of	ADP
gujaf-374	16	14	nigerians	nigerians	PROPN
gujaf-374	16	15	reside	reside	VERB
gujaf-374	16	16	in	in	ADP
gujaf-374	16	17	slums	slum	NOUN
gujaf-374	16	18	,	,	PUNCT
gujaf-374	16	19	which	which	PRON
gujaf-374	16	20	increases	increase	VERB
gujaf-374	16	21	the	the	DET
gujaf-374	16	22	need	need	NOUN
gujaf-374	16	23	for	for	ADP
gujaf-374	16	24	inexpensive	inexpensive	ADJ
gujaf-374	16	25	housing	housing	NOUN
gujaf-374	16	26	due	due	ADP
gujaf-374	16	27	to	to	ADP
gujaf-374	16	28	the	the	DET
gujaf-374	16	29	country	country	NOUN
gujaf-374	16	30	's	's	PART
gujaf-374	16	31	incapacity	incapacity	NOUN
gujaf-374	16	32	to	to	PART
gujaf-374	16	33	provide	provide	VERB
gujaf-374	16	34	both	both	DET
gujaf-374	16	35	sufficient	sufficient	ADJ
gujaf-374	16	36	housing	housing	NOUN
gujaf-374	16	37	and	and	CCONJ
gujaf-374	16	38	development	development	NOUN
gujaf-374	16	39	resources	resource	NOUN
gujaf-374	16	40	at	at	ADP
gujaf-374	16	41	the	the	DET
gujaf-374	16	42	same	same	ADJ
gujaf-374	16	43	time	time	NOUN
gujaf-374	16	44	as	as	ADP
gujaf-374	16	45	population	population	NOUN
gujaf-374	16	46	growth	growth	NOUN
gujaf-374	16	47	.	.	PUNCT
gujaf-374	17	1	the	the	DET
gujaf-374	17	2	nigerian	nigerian	ADJ
gujaf-374	17	3	government	government	NOUN
gujaf-374	17	4	faces	face	VERB
gujaf-374	17	5	challenges	challenge	NOUN
gujaf-374	17	6	in	in	ADP
gujaf-374	17	7	ensuring	ensure	VERB
gujaf-374	17	8	affordable	affordable	ADJ
gujaf-374	17	9	housing	housing	NOUN
gujaf-374	17	10	sector	sector	NOUN
gujaf-374	17	11	funding	funding	NOUN
gujaf-374	17	12	,	,	PUNCT
gujaf-374	17	13	with	with	ADP
gujaf-374	17	14	stringent	stringent	ADJ
gujaf-374	17	15	property	property	NOUN
gujaf-374	17	16	approval	approval	NOUN
gujaf-374	17	17	processes	process	NOUN
gujaf-374	17	18	,	,	PUNCT
gujaf-374	17	19	land	land	NOUN
gujaf-374	17	20	titling	title	VERB
gujaf-374	17	21	paperwork	paperwork	NOUN
gujaf-374	17	22	,	,	PUNCT
gujaf-374	17	23	and	and	CCONJ
gujaf-374	17	24	the	the	DET
gujaf-374	17	25	land	land	NOUN
gujaf-374	17	26	use	use	NOUN
gujaf-374	17	27	act	act	NOUN
gujaf-374	17	28	1978	1978	NUM
gujaf-374	17	29	being	be	AUX
gujaf-374	17	30	major	major	ADJ
gujaf-374	17	31	hurdles	hurdle	NOUN
gujaf-374	17	32	.	.	PUNCT
gujaf-374	18	1	while	while	SCONJ
gujaf-374	18	2	reforms	reform	NOUN
gujaf-374	18	3	have	have	AUX
gujaf-374	18	4	reduced	reduce	VERB
gujaf-374	18	5	the	the	DET
gujaf-374	18	6	property	property	NOUN
gujaf-374	18	7	approval	approval	NOUN
gujaf-374	18	8	process	process	NOUN
gujaf-374	18	9	from	from	ADP
gujaf-374	18	10	274	274	NUM
gujaf-374	18	11	to	to	PART
gujaf-374	18	12	80	80	NUM
gujaf-374	18	13	days	day	NOUN
gujaf-374	18	14	,	,	PUNCT
gujaf-374	18	15	more	more	ADJ
gujaf-374	18	16	could	could	AUX
gujaf-374	18	17	be	be	AUX
gujaf-374	18	18	done	do	VERB
gujaf-374	18	19	.	.	PUNCT
gujaf-374	19	1	access	access	NOUN
gujaf-374	19	2	to	to	ADP
gujaf-374	19	3	mortgage	mortgage	NOUN
gujaf-374	19	4	finance	finance	NOUN
gujaf-374	19	5	is	be	AUX
gujaf-374	19	6	constrained	constrain	VERB
gujaf-374	19	7	by	by	ADP
gujaf-374	19	8	an	an	DET
gujaf-374	19	9	underdeveloped	underdeveloped	ADJ
gujaf-374	19	10	housing	housing	NOUN
gujaf-374	19	11	finance	finance	NOUN
gujaf-374	19	12	system	system	NOUN
gujaf-374	19	13	,	,	PUNCT
gujaf-374	19	14	slow	slow	ADJ
gujaf-374	19	15	mortgage	mortgage	NOUN
gujaf-374	19	16	market	market	NOUN
gujaf-374	19	17	development	development	NOUN
gujaf-374	19	18	,	,	PUNCT
gujaf-374	19	19	and	and	CCONJ
gujaf-374	19	20	corruption	corruption	NOUN
gujaf-374	19	21	(	(	PUNCT
gujaf-374	19	22	olatoye	olatoye	NOUN
gujaf-374	19	23	,	,	PUNCT
gujaf-374	19	24	et	et	PROPN
gujaf-374	19	25	al	al	PROPN
gujaf-374	19	26	,	,	PUNCT
gujaf-374	19	27	2022	2022	NUM
gujaf-374	19	28	;	;	PUNCT
gujaf-374	19	29	mondal	mondal	PROPN
gujaf-374	19	30	&	&	CCONJ
gujaf-374	19	31	dipendra	dipendra	PROPN
gujaf-374	19	32	,	,	PUNCT
gujaf-374	19	33	2018	2018	NUM
gujaf-374	19	34	)	)	PUNCT
gujaf-374	19	35	.	.	PUNCT
gujaf-374	20	1	several	several	ADJ
gujaf-374	20	2	researchers	researcher	NOUN
gujaf-374	20	3	have	have	AUX
gujaf-374	20	4	reported	report	VERB
gujaf-374	20	5	mixed	mixed	ADJ
gujaf-374	20	6	findings	finding	NOUN
gujaf-374	20	7	on	on	ADP
gujaf-374	20	8	the	the	DET
gujaf-374	20	9	effect	effect	NOUN
gujaf-374	20	10	of	of	ADP
gujaf-374	20	11	mortgage	mortgage	NOUN
gujaf-374	20	12	financing	financing	NOUN
gujaf-374	20	13	on	on	ADP
gujaf-374	20	14	housing	housing	NOUN
gujaf-374	20	15	development	development	NOUN
gujaf-374	20	16	across	across	ADP
gujaf-374	20	17	developed	developed	ADJ
gujaf-374	20	18	and	and	CCONJ
gujaf-374	20	19	developing	develop	VERB
gujaf-374	20	20	countries	country	NOUN
gujaf-374	20	21	;	;	PUNCT
gujaf-374	20	22	kioko	kioko	NOUN
gujaf-374	20	23	(	(	PUNCT
gujaf-374	20	24	2020	2020	NUM
gujaf-374	20	25	)	)	PUNCT
gujaf-374	20	26	established	establish	VERB
gujaf-374	20	27	a	a	DET
gujaf-374	20	28	negatively	negatively	ADV
gujaf-374	20	29	significant	significant	ADJ
gujaf-374	20	30	relationship	relationship	NOUN
gujaf-374	20	31	between	between	ADP
gujaf-374	20	32	the	the	DET
gujaf-374	20	33	two	two	NUM
gujaf-374	20	34	variables	variable	NOUN
gujaf-374	20	35	,	,	PUNCT
gujaf-374	20	36	while	while	SCONJ
gujaf-374	20	37	others	other	NOUN
gujaf-374	20	38	such	such	ADJ
gujaf-374	20	39	as	as	ADP
gujaf-374	20	40	etyang	etyang	PROPN
gujaf-374	20	41	&	&	CCONJ
gujaf-374	20	42	mwengei	mwengei	PROPN
gujaf-374	20	43	(	(	PUNCT
gujaf-374	20	44	2019	2019	NUM
gujaf-374	20	45	)	)	PUNCT
gujaf-374	20	46	,	,	PUNCT
gujaf-374	20	47	aladelusi	aladelusi	NOUN
gujaf-374	20	48	(	(	PUNCT
gujaf-374	20	49	2019	2019	NUM
gujaf-374	20	50	)	)	PUNCT
gujaf-374	20	51	established	establish	VERB
gujaf-374	20	52	a	a	DET
gujaf-374	20	53	positive	positive	ADJ
gujaf-374	20	54	nexus	nexus	NOUN
gujaf-374	20	55	between	between	ADP
gujaf-374	20	56	mortgages	mortgage	NOUN
gujaf-374	20	57	finance	finance	NOUN
gujaf-374	20	58	and	and	CCONJ
gujaf-374	20	59	housing	housing	NOUN
gujaf-374	20	60	development	development	NOUN
gujaf-374	20	61	.	.	PUNCT
gujaf-374	21	1	kasim	kasim	PROPN
gujaf-374	21	2	,	,	PUNCT
gujaf-374	21	3	et	et	PROPN
gujaf-374	21	4	al	al	PROPN
gujaf-374	21	5	(	(	PUNCT
gujaf-374	21	6	2023	2023	NUM
gujaf-374	21	7	)	)	PUNCT
gujaf-374	21	8	,	,	PUNCT
gujaf-374	21	9	nataliya	nataliya	PROPN
gujaf-374	21	10	,	,	PUNCT
gujaf-374	21	11	et	et	PROPN
gujaf-374	21	12	al	al	PROPN
gujaf-374	21	13	(	(	PUNCT
gujaf-374	21	14	2023	2023	NUM
gujaf-374	21	15	)	)	PUNCT
gujaf-374	21	16	,	,	PUNCT
gujaf-374	21	17	ding	ding	NOUN
gujaf-374	21	18	(	(	PUNCT
gujaf-374	21	19	2022	2022	NUM
gujaf-374	21	20	)	)	PUNCT
gujaf-374	21	21	,	,	PUNCT
gujaf-374	21	22	ouma	ouma	PROPN
gujaf-374	21	23	&	&	CCONJ
gujaf-374	21	24	odongo	odongo	PROPN
gujaf-374	21	25	(	(	PUNCT
gujaf-374	21	26	2021	2021	NUM
gujaf-374	21	27	)	)	PUNCT
gujaf-374	21	28	,	,	PUNCT
gujaf-374	21	29	mohammad	mohammad	PROPN
gujaf-374	21	30	and	and	CCONJ
gujaf-374	21	31	ka’oje	ka’oje	PROPN
gujaf-374	21	32	(	(	PUNCT
gujaf-374	21	33	2021	2021	NUM
gujaf-374	21	34	)	)	PUNCT
gujaf-374	21	35	,	,	PUNCT
gujaf-374	21	36	siyan	siyan	VERB
gujaf-374	21	37	,	,	PUNCT
gujaf-374	21	38	et	et	PROPN
gujaf-374	21	39	al	al	PROPN
gujaf-374	21	40	(	(	PUNCT
gujaf-374	21	41	2019	2019	NUM
gujaf-374	21	42	)	)	PUNCT
gujaf-374	21	43	,	,	PUNCT
gujaf-374	21	44	bello	bello	PROPN
gujaf-374	21	45	,	,	PUNCT
gujaf-374	21	46	et	et	PROPN
gujaf-374	21	47	al	al	PROPN
gujaf-374	21	48	(	(	PUNCT
gujaf-374	21	49	2020	2020	NUM
gujaf-374	21	50	)	)	PUNCT
gujaf-374	21	51	,	,	PUNCT
gujaf-374	21	52	and	and	CCONJ
gujaf-374	21	53	jiatong	jiatong	PROPN
gujaf-374	21	54	(	(	PUNCT
gujaf-374	21	55	2020	2020	NUM
gujaf-374	21	56	)	)	PUNCT
gujaf-374	21	57	also	also	ADV
gujaf-374	21	58	examined	examine	VERB
gujaf-374	21	59	the	the	DET
gujaf-374	21	60	effect	effect	NOUN
gujaf-374	21	61	of	of	ADP
gujaf-374	21	62	macroeconomic	macroeconomic	ADJ
gujaf-374	21	63	variables	variable	NOUN
gujaf-374	21	64	on	on	ADP
gujaf-374	21	65	housing	housing	NOUN
gujaf-374	21	66	development	development	NOUN
gujaf-374	21	67	.	.	PUNCT
gujaf-374	22	1	consequently	consequently	ADV
gujaf-374	22	2	,	,	PUNCT
gujaf-374	22	3	there	there	PRON
gujaf-374	22	4	is	be	VERB
gujaf-374	22	5	a	a	DET
gujaf-374	22	6	knowledge	knowledge	NOUN
gujaf-374	22	7	vacuum	vacuum	NOUN
gujaf-374	22	8	on	on	ADP
gujaf-374	22	9	the	the	DET
gujaf-374	22	10	influence	influence	NOUN
gujaf-374	22	11	of	of	ADP
gujaf-374	22	12	macroeconomic	macroeconomic	ADJ
gujaf-374	22	13	factors	factor	NOUN
gujaf-374	22	14	in	in	ADP
gujaf-374	22	15	the	the	DET
gujaf-374	22	16	interplay	interplay	NOUN
gujaf-374	22	17	between	between	ADP
gujaf-374	22	18	mortgage	mortgage	NOUN
gujaf-374	22	19	finance	finance	NOUN
gujaf-374	22	20	and	and	CCONJ
gujaf-374	22	21	housing	housing	NOUN
gujaf-374	22	22	development	development	NOUN
gujaf-374	22	23	,	,	PUNCT
gujaf-374	22	24	as	as	SCONJ
gujaf-374	22	25	previous	previous	ADJ
gujaf-374	22	26	researches	research	NOUN
gujaf-374	22	27	basically	basically	ADV
gujaf-374	22	28	focused	focus	VERB
gujaf-374	22	29	on	on	ADP
gujaf-374	22	30	individual	individual	ADJ
gujaf-374	22	31	effect	effect	NOUN
gujaf-374	22	32	of	of	ADP
gujaf-374	22	33	mortgage	mortgage	NOUN
gujaf-374	22	34	finance	finance	NOUN
gujaf-374	22	35	and	and	CCONJ
gujaf-374	22	36	macroeconomic	macroeconomic	ADJ
gujaf-374	22	37	factors	factor	NOUN
gujaf-374	22	38	on	on	ADP
gujaf-374	22	39	housing	housing	NOUN
gujaf-374	22	40	development	development	NOUN
gujaf-374	22	41	.	.	PUNCT
gujaf-374	23	1	the	the	DET
gujaf-374	23	2	implication	implication	NOUN
gujaf-374	23	3	of	of	ADP
gujaf-374	23	4	this	this	DET
gujaf-374	23	5	gap	gap	NOUN
gujaf-374	23	6	is	be	AUX
gujaf-374	23	7	that	that	SCONJ
gujaf-374	23	8	,	,	PUNCT
gujaf-374	23	9	policymakers	policymaker	NOUN
gujaf-374	23	10	and	and	CCONJ
gujaf-374	23	11	analysts	analyst	NOUN
gujaf-374	23	12	may	may	AUX
gujaf-374	23	13	not	not	PART
gujaf-374	23	14	understand	understand	VERB
gujaf-374	23	15	the	the	DET
gujaf-374	23	16	implication	implication	NOUN
gujaf-374	23	17	of	of	ADP
gujaf-374	23	18	the	the	DET
gujaf-374	23	19	prevailing	prevail	VERB
gujaf-374	23	20	economic	economic	ADJ
gujaf-374	23	21	conditions	condition	NOUN
gujaf-374	23	22	on	on	ADP
gujaf-374	23	23	the	the	DET
gujaf-374	23	24	potency	potency	NOUN
gujaf-374	23	25	or	or	CCONJ
gujaf-374	23	26	otherwise	otherwise	ADV
gujaf-374	23	27	mortgage	mortgage	NOUN
gujaf-374	23	28	finance	finance	NOUN
gujaf-374	23	29	in	in	ADP
gujaf-374	23	30	causing	cause	VERB
gujaf-374	23	31	housing	housing	NOUN
gujaf-374	23	32	delivery	delivery	NOUN
gujaf-374	23	33	.	.	PUNCT
gujaf-374	24	1	this	this	DET
gujaf-374	24	2	study	study	NOUN
gujaf-374	24	3	examines	examine	VERB
gujaf-374	24	4	the	the	DET
gujaf-374	24	5	impact	impact	NOUN
gujaf-374	24	6	of	of	ADP
gujaf-374	24	7	institutional	institutional	ADJ
gujaf-374	24	8	factors	factor	NOUN
gujaf-374	24	9	on	on	ADP
gujaf-374	24	10	mortgage	mortgage	NOUN
gujaf-374	24	11	finance	finance	NOUN
gujaf-374	24	12	and	and	CCONJ
gujaf-374	24	13	housing	housing	NOUN
gujaf-374	24	14	development	development	NOUN
gujaf-374	24	15	in	in	ADP
gujaf-374	24	16	nigeria	nigeria	PROPN
gujaf-374	24	17	,	,	PUNCT
gujaf-374	24	18	with	with	ADP
gujaf-374	24	19	a	a	DET
gujaf-374	24	20	focus	focus	NOUN
gujaf-374	24	21	on	on	ADP
gujaf-374	24	22	the	the	DET
gujaf-374	24	23	public	public	ADJ
gujaf-374	24	24	finance	finance	NOUN
gujaf-374	24	25	framework	framework	NOUN
gujaf-374	24	26	for	for	ADP
gujaf-374	24	27	mortgages	mortgage	NOUN
gujaf-374	24	28	in	in	ADP
gujaf-374	24	29	nigeria	nigeria	PROPN
gujaf-374	24	30	.	.	PUNCT
gujaf-374	25	1	consequently	consequently	ADV
gujaf-374	25	2	,	,	PUNCT
gujaf-374	25	3	the	the	DET
gujaf-374	25	4	overall	overall	ADJ
gujaf-374	25	5	objective	objective	NOUN
gujaf-374	25	6	of	of	ADP
gujaf-374	25	7	this	this	DET
gujaf-374	25	8	study	study	NOUN
gujaf-374	25	9	is	be	AUX
gujaf-374	25	10	to	to	PART
gujaf-374	25	11	investigate	investigate	VERB
gujaf-374	25	12	if	if	SCONJ
gujaf-374	25	13	institutional	institutional	ADJ
gujaf-374	25	14	variables	variable	NOUN
gujaf-374	25	15	play	play	VERB
gujaf-374	25	16	interactive	interactive	ADJ
gujaf-374	25	17	role	role	NOUN
gujaf-374	25	18	in	in	ADP
gujaf-374	25	19	the	the	DET
gujaf-374	25	20	relationship	relationship	NOUN
gujaf-374	25	21	between	between	ADP
gujaf-374	25	22	mortgage	mortgage	NOUN
gujaf-374	25	23	finance	finance	NOUN
gujaf-374	25	24	and	and	CCONJ
gujaf-374	25	25	housing	housing	NOUN
gujaf-374	25	26	development	development	NOUN
gujaf-374	25	27	.	.	PUNCT
gujaf-374	26	1	the	the	DET
gujaf-374	26	2	specific	specific	ADJ
gujaf-374	26	3	objectives	objective	NOUN
gujaf-374	26	4	include	include	VERB
gujaf-374	26	5	to	to	PART
gujaf-374	26	6	;	;	PUNCT
gujaf-374	26	7	i.	i.	PROPN
gujaf-374	26	8	examine	examine	VERB
gujaf-374	26	9	the	the	DET
gujaf-374	26	10	interacting	interact	VERB
gujaf-374	26	11	effect	effect	NOUN
gujaf-374	26	12	of	of	ADP
gujaf-374	26	13	institutional	institutional	ADJ
gujaf-374	26	14	factors	factor	NOUN
gujaf-374	26	15	and	and	CCONJ
gujaf-374	26	16	mortgage	mortgage	NOUN
gujaf-374	26	17	loan	loan	NOUN
gujaf-374	26	18	on	on	ADP
gujaf-374	26	19	housing	housing	NOUN
gujaf-374	26	20	delivery	delivery	NOUN
gujaf-374	26	21	in	in	ADP
gujaf-374	26	22	nigeria	nigeria	PROPN
gujaf-374	26	23	.	.	PUNCT
gujaf-374	27	1	ii	ii	PROPN
gujaf-374	27	2	.	.	PROPN
gujaf-374	27	3	ascertain	ascertain	VERB
gujaf-374	27	4	the	the	DET
gujaf-374	27	5	interacting	interact	VERB
gujaf-374	27	6	effect	effect	NOUN
gujaf-374	27	7	of	of	ADP
gujaf-374	27	8	institutional	institutional	ADJ
gujaf-374	27	9	factors	factor	NOUN
gujaf-374	27	10	and	and	CCONJ
gujaf-374	27	11	mortgage	mortgage	NOUN
gujaf-374	27	12	equity	equity	NOUN
gujaf-374	27	13	on	on	ADP
gujaf-374	27	14	housing	housing	NOUN
gujaf-374	27	15	delivery	delivery	NOUN
gujaf-374	27	16	in	in	ADP
gujaf-374	27	17	nigeria	nigeria	PROPN
gujaf-374	27	18	.	.	PUNCT
gujaf-374	28	1	iii	iii	X
gujaf-374	28	2	.	.	PROPN
gujaf-374	28	3	establish	establish	VERB
gujaf-374	28	4	whether	whether	SCONJ
gujaf-374	28	5	or	or	CCONJ
gujaf-374	28	6	not	not	PART
gujaf-374	28	7	,	,	PUNCT
gujaf-374	28	8	macroeconomic	macroeconomic	ADJ
gujaf-374	28	9	factors	factor	NOUN
gujaf-374	28	10	interaction	interaction	NOUN
gujaf-374	28	11	with	with	ADP
gujaf-374	28	12	mortgage	mortgage	NOUN
gujaf-374	28	13	interest	interest	NOUN
gujaf-374	28	14	affects	affect	VERB
gujaf-374	28	15	housing	housing	NOUN
gujaf-374	28	16	delivery	delivery	NOUN
gujaf-374	28	17	in	in	ADP
gujaf-374	28	18	nigeria	nigeria	PROPN
gujaf-374	28	19	.	.	PUNCT
gujaf-374	29	1	2.0	2.0	NUM
gujaf-374	29	2	literature	literature	NOUN
gujaf-374	29	3	review	review	NOUN
gujaf-374	29	4	mortgages	mortgage	NOUN
gujaf-374	29	5	are	be	AUX
gujaf-374	29	6	debts	debt	NOUN
gujaf-374	29	7	with	with	ADP
gujaf-374	29	8	income	income	NOUN
gujaf-374	29	9	-	-	PUNCT
gujaf-374	29	10	producing	produce	VERB
gujaf-374	29	11	property	property	NOUN
gujaf-374	29	12	as	as	ADP
gujaf-374	29	13	collateral	collateral	NOUN
gujaf-374	29	14	,	,	PUNCT
gujaf-374	29	15	often	often	ADV
gujaf-374	29	16	associated	associate	VERB
gujaf-374	29	17	with	with	ADP
gujaf-374	29	18	real	real	ADJ
gujaf-374	29	19	estate	estate	NOUN
gujaf-374	29	20	(	(	PUNCT
gujaf-374	29	21	xudong	xudong	PROPN
gujaf-374	29	22	,	,	PUNCT
gujaf-374	29	23	2008	2008	NUM
gujaf-374	29	24	)	)	PUNCT
gujaf-374	29	25	.	.	PUNCT
gujaf-374	30	1	originating	originate	VERB
gujaf-374	30	2	from	from	ADP
gujaf-374	30	3	the	the	DET
gujaf-374	30	4	17th	17th	ADJ
gujaf-374	30	5	century	century	NOUN
gujaf-374	30	6	,	,	PUNCT
gujaf-374	30	7	mortgages	mortgage	NOUN
gujaf-374	30	8	have	have	VERB
gujaf-374	30	9	a	a	DET
gujaf-374	30	10	fixed	fix	VERB
gujaf-374	30	11	term	term	NOUN
gujaf-374	30	12	to	to	ADP
gujaf-374	30	13	maturity	maturity	NOUN
gujaf-374	30	14	,	,	PUNCT
gujaf-374	30	15	requiring	require	VERB
gujaf-374	30	16	full	full	ADJ
gujaf-374	30	17	repayment	repayment	NOUN
gujaf-374	30	18	.	.	PUNCT
gujaf-374	31	1	mortgage	mortgage	NOUN
gujaf-374	31	2	can	can	AUX
gujaf-374	31	3	mean	mean	VERB
gujaf-374	31	4	"	"	PUNCT
gujaf-374	31	5	dead	dead	ADJ
gujaf-374	31	6	,	,	PUNCT
gujaf-374	31	7	"	"	PUNCT
gujaf-374	31	8	"	"	PUNCT
gujaf-374	31	9	contract	contract	NOUN
gujaf-374	31	10	,	,	PUNCT
gujaf-374	31	11	"	"	PUNCT
gujaf-374	31	12	or	or	CCONJ
gujaf-374	31	13	"	"	PUNCT
gujaf-374	31	14	pledge	pledge	VERB
gujaf-374	31	15	.	.	PUNCT
gujaf-374	31	16	"	"	PUNCT
gujaf-374	32	1	in	in	ADP
gujaf-374	32	2	case	case	NOUN
gujaf-374	32	3	gusau	gusau	ADJ
gujaf-374	32	4	journal	journal	NOUN
gujaf-374	32	5	of	of	ADP
gujaf-374	32	6	accounting	accounting	NOUN
gujaf-374	32	7	and	and	CCONJ
gujaf-374	32	8	finance	finance	NOUN
gujaf-374	32	9	,	,	PUNCT
gujaf-374	32	10	vol.6	vol.6	PROPN
gujaf-374	32	11	,	,	PUNCT
gujaf-374	32	12	issue	issue	NOUN
gujaf-374	32	13	1	1	NUM
gujaf-374	32	14	,	,	PUNCT
gujaf-374	32	15	april	april	PROPN
gujaf-374	32	16	,	,	PUNCT
gujaf-374	32	17	2025	2025	NUM
gujaf-374	32	18	140	140	NUM
gujaf-374	32	19	of	of	ADP
gujaf-374	32	20	default	default	NOUN
gujaf-374	32	21	,	,	PUNCT
gujaf-374	32	22	the	the	DET
gujaf-374	32	23	pledged	pledge	VERB
gujaf-374	32	24	property	property	NOUN
gujaf-374	32	25	is	be	AUX
gujaf-374	32	26	considered	consider	VERB
gujaf-374	32	27	"	"	PUNCT
gujaf-374	32	28	dead	dead	ADJ
gujaf-374	32	29	"	"	PUNCT
gujaf-374	32	30	to	to	ADP
gujaf-374	32	31	the	the	DET
gujaf-374	32	32	mortgagor	mortgagor	NOUN
gujaf-374	32	33	,	,	PUNCT
gujaf-374	32	34	as	as	SCONJ
gujaf-374	32	35	the	the	DET
gujaf-374	32	36	property	property	NOUN
gujaf-374	32	37	is	be	AUX
gujaf-374	32	38	taken	take	VERB
gujaf-374	32	39	over	over	ADP
gujaf-374	32	40	or	or	CCONJ
gujaf-374	32	41	seized	seize	VERB
gujaf-374	32	42	(	(	PUNCT
gujaf-374	32	43	kama	kama	PROPN
gujaf-374	32	44	,	,	PUNCT
gujaf-374	32	45	et	et	PROPN
gujaf-374	32	46	al	al	PROPN
gujaf-374	32	47	,	,	PUNCT
gujaf-374	32	48	2013	2013	NUM
gujaf-374	32	49	)	)	PUNCT
gujaf-374	32	50	.	.	PUNCT
gujaf-374	33	1	in	in	ADP
gujaf-374	33	2	finance	finance	NOUN
gujaf-374	33	3	realm	realm	NOUN
gujaf-374	33	4	,	,	PUNCT
gujaf-374	33	5	a	a	DET
gujaf-374	33	6	mortgage	mortgage	NOUN
gujaf-374	33	7	is	be	AUX
gujaf-374	33	8	a	a	DET
gujaf-374	33	9	contract	contract	NOUN
gujaf-374	33	10	whereby	whereby	SCONJ
gujaf-374	33	11	a	a	DET
gujaf-374	33	12	borrower	borrower	NOUN
gujaf-374	33	13	borrows	borrow	VERB
gujaf-374	33	14	funds	fund	NOUN
gujaf-374	33	15	from	from	ADP
gujaf-374	33	16	a	a	DET
gujaf-374	33	17	lender	lender	NOUN
gujaf-374	33	18	to	to	PART
gujaf-374	33	19	purchase	purchase	VERB
gujaf-374	33	20	real	real	ADJ
gujaf-374	33	21	estate	estate	NOUN
gujaf-374	33	22	and	and	CCONJ
gujaf-374	33	23	pledges	pledge	VERB
gujaf-374	33	24	the	the	DET
gujaf-374	33	25	acquired	acquire	VERB
gujaf-374	33	26	land	land	NOUN
gujaf-374	33	27	,	,	PUNCT
gujaf-374	33	28	with	with	ADP
gujaf-374	33	29	the	the	DET
gujaf-374	33	30	lender	lender	NOUN
gujaf-374	33	31	assuming	assume	VERB
gujaf-374	33	32	possession	possession	NOUN
gujaf-374	33	33	in	in	ADP
gujaf-374	33	34	the	the	DET
gujaf-374	33	35	event	event	NOUN
gujaf-374	33	36	that	that	SCONJ
gujaf-374	33	37	the	the	DET
gujaf-374	33	38	borrower	borrower	NOUN
gujaf-374	33	39	defaults	default	VERB
gujaf-374	33	40	(	(	PUNCT
gujaf-374	33	41	siyan	siyan	X
gujaf-374	33	42	et	et	PROPN
gujaf-374	33	43	al	al	PROPN
gujaf-374	33	44	,	,	PUNCT
gujaf-374	33	45	2019	2019	NUM
gujaf-374	33	46	)	)	PUNCT
gujaf-374	33	47	.	.	PUNCT
gujaf-374	34	1	the	the	DET
gujaf-374	34	2	land	land	NOUN
gujaf-374	34	3	that	that	PRON
gujaf-374	34	4	was	be	AUX
gujaf-374	34	5	pledged	pledge	VERB
gujaf-374	34	6	was	be	AUX
gujaf-374	34	7	dead	dead	ADJ
gujaf-374	34	8	to	to	ADP
gujaf-374	34	9	the	the	DET
gujaf-374	34	10	mortgagee	mortgagee	NOUN
gujaf-374	34	11	if	if	SCONJ
gujaf-374	34	12	the	the	DET
gujaf-374	34	13	loan	loan	NOUN
gujaf-374	34	14	was	be	AUX
gujaf-374	34	15	paid	pay	VERB
gujaf-374	34	16	back	back	ADV
gujaf-374	34	17	.	.	PUNCT
gujaf-374	35	1	at	at	ADP
gujaf-374	35	2	first	first	ADV
gujaf-374	35	3	,	,	PUNCT
gujaf-374	35	4	mortgages	mortgage	NOUN
gujaf-374	35	5	were	be	AUX
gujaf-374	35	6	only	only	ADV
gujaf-374	35	7	paid	pay	VERB
gujaf-374	35	8	land	land	NOUN
gujaf-374	35	9	conveyances	conveyance	NOUN
gujaf-374	35	10	.	.	PUNCT
gujaf-374	36	1	housing	housing	NOUN
gujaf-374	36	2	development	development	PROPN
gujaf-374	36	3	jansen	jansen	PROPN
gujaf-374	36	4	(	(	PUNCT
gujaf-374	36	5	2011	2011	NUM
gujaf-374	36	6	)	)	PUNCT
gujaf-374	36	7	defines	define	VERB
gujaf-374	36	8	housing	housing	NOUN
gujaf-374	36	9	as	as	ADP
gujaf-374	36	10	an	an	DET
gujaf-374	36	11	economic	economic	ADJ
gujaf-374	36	12	good	good	NOUN
gujaf-374	36	13	,	,	PUNCT
gujaf-374	36	14	a	a	DET
gujaf-374	36	15	physical	physical	ADJ
gujaf-374	36	16	facility	facility	NOUN
gujaf-374	36	17	for	for	ADP
gujaf-374	36	18	shelter	shelter	NOUN
gujaf-374	36	19	and	and	CCONJ
gujaf-374	36	20	an	an	DET
gujaf-374	36	21	instrument	instrument	NOUN
gujaf-374	36	22	for	for	ADP
gujaf-374	36	23	wealth	wealth	NOUN
gujaf-374	36	24	creation	creation	NOUN
gujaf-374	36	25	and	and	CCONJ
gujaf-374	36	26	economic	economic	ADJ
gujaf-374	36	27	growth	growth	NOUN
gujaf-374	36	28	.	.	PUNCT
gujaf-374	37	1	housing	housing	NOUN
gujaf-374	37	2	serves	serve	VERB
gujaf-374	37	3	as	as	ADP
gujaf-374	37	4	a	a	DET
gujaf-374	37	5	structure	structure	NOUN
gujaf-374	37	6	for	for	ADP
gujaf-374	37	7	protection	protection	NOUN
gujaf-374	37	8	against	against	ADP
gujaf-374	37	9	vulnerability	vulnerability	NOUN
gujaf-374	37	10	,	,	PUNCT
gujaf-374	37	11	providing	provide	VERB
gujaf-374	37	12	health	health	NOUN
gujaf-374	37	13	and	and	CCONJ
gujaf-374	37	14	safety	safety	NOUN
gujaf-374	37	15	for	for	ADP
gujaf-374	37	16	human	human	ADJ
gujaf-374	37	17	continuity	continuity	NOUN
gujaf-374	37	18	.	.	PUNCT
gujaf-374	38	1	poopola	poopola	PROPN
gujaf-374	38	2	and	and	CCONJ
gujaf-374	38	3	alamu	alamu	PROPN
gujaf-374	38	4	(	(	PUNCT
gujaf-374	38	5	2016	2016	NUM
gujaf-374	38	6	)	)	PUNCT
gujaf-374	38	7	contend	contend	VERB
gujaf-374	38	8	that	that	SCONJ
gujaf-374	38	9	housing	housing	NOUN
gujaf-374	38	10	improves	improve	VERB
gujaf-374	38	11	quality	quality	NOUN
gujaf-374	38	12	of	of	ADP
gujaf-374	38	13	life	life	NOUN
gujaf-374	38	14	by	by	ADP
gujaf-374	38	15	promoting	promote	VERB
gujaf-374	38	16	energy	energy	NOUN
gujaf-374	38	17	efficiency	efficiency	NOUN
gujaf-374	38	18	and	and	CCONJ
gujaf-374	38	19	resource	resource	NOUN
gujaf-374	38	20	conservation	conservation	NOUN
gujaf-374	38	21	.	.	PUNCT
gujaf-374	39	1	they	they	PRON
gujaf-374	39	2	also	also	ADV
gujaf-374	39	3	point	point	VERB
gujaf-374	39	4	out	out	ADP
gujaf-374	39	5	that	that	SCONJ
gujaf-374	39	6	housing	housing	NOUN
gujaf-374	39	7	services	service	NOUN
gujaf-374	39	8	rely	rely	VERB
gujaf-374	39	9	on	on	ADP
gujaf-374	39	10	a	a	DET
gujaf-374	39	11	healthy	healthy	ADJ
gujaf-374	39	12	institutions	institution	NOUN
gujaf-374	39	13	and	and	CCONJ
gujaf-374	39	14	financial	financial	ADJ
gujaf-374	39	15	system	system	NOUN
gujaf-374	39	16	,	,	PUNCT
gujaf-374	39	17	because	because	SCONJ
gujaf-374	39	18	purchasing	purchase	VERB
gujaf-374	39	19	of	of	ADP
gujaf-374	39	20	home	home	NOUN
gujaf-374	39	21	is	be	AUX
gujaf-374	39	22	influenced	influence	VERB
gujaf-374	39	23	by	by	ADP
gujaf-374	39	24	cost	cost	NOUN
gujaf-374	39	25	and	and	CCONJ
gujaf-374	39	26	governmental	governmental	ADJ
gujaf-374	39	27	regulations	regulation	NOUN
gujaf-374	39	28	.	.	PUNCT
gujaf-374	40	1	according	accord	VERB
gujaf-374	40	2	to	to	ADP
gujaf-374	40	3	bundick	bundick	NOUN
gujaf-374	40	4	(	(	PUNCT
gujaf-374	40	5	2015	2015	NUM
gujaf-374	40	6	)	)	PUNCT
gujaf-374	40	7	,	,	PUNCT
gujaf-374	40	8	houses	house	NOUN
gujaf-374	40	9	are	be	AUX
gujaf-374	40	10	large	large	ADJ
gujaf-374	40	11	assets	asset	NOUN
gujaf-374	40	12	and	and	CCONJ
gujaf-374	40	13	lifelong	lifelong	ADJ
gujaf-374	40	14	investments	investment	NOUN
gujaf-374	40	15	that	that	PRON
gujaf-374	40	16	contribute	contribute	VERB
gujaf-374	40	17	significantly	significantly	ADV
gujaf-374	40	18	to	to	ADP
gujaf-374	40	19	a	a	DET
gujaf-374	40	20	household	household	NOUN
gujaf-374	40	21	's	's	PART
gujaf-374	40	22	income	income	NOUN
gujaf-374	40	23	and	and	CCONJ
gujaf-374	40	24	are	be	AUX
gujaf-374	40	25	frequently	frequently	ADV
gujaf-374	40	26	the	the	DET
gujaf-374	40	27	only	only	ADJ
gujaf-374	40	28	long	long	ADJ
gujaf-374	40	29	-	-	PUNCT
gujaf-374	40	30	term	term	NOUN
gujaf-374	40	31	investment	investment	NOUN
gujaf-374	40	32	and	and	CCONJ
gujaf-374	40	33	store	store	NOUN
gujaf-374	40	34	of	of	ADP
gujaf-374	40	35	wealth	wealth	NOUN
gujaf-374	40	36	.	.	PUNCT
gujaf-374	41	1	housing	housing	NOUN
gujaf-374	41	2	development	development	NOUN
gujaf-374	41	3	significantly	significantly	ADV
gujaf-374	41	4	contributes	contribute	VERB
gujaf-374	41	5	to	to	ADP
gujaf-374	41	6	economic	economic	ADJ
gujaf-374	41	7	growth	growth	NOUN
gujaf-374	41	8	by	by	ADP
gujaf-374	41	9	generating	generate	VERB
gujaf-374	41	10	employment	employment	NOUN
gujaf-374	41	11	,	,	PUNCT
gujaf-374	41	12	investment	investment	NOUN
gujaf-374	41	13	and	and	CCONJ
gujaf-374	41	14	savings	saving	NOUN
gujaf-374	41	15	enhancement	enhancement	NOUN
gujaf-374	41	16	.	.	PUNCT
gujaf-374	42	1	it	it	PRON
gujaf-374	42	2	also	also	ADV
gujaf-374	42	3	enhances	enhance	VERB
gujaf-374	42	4	living	living	NOUN
gujaf-374	42	5	standards	standard	NOUN
gujaf-374	42	6	and	and	CCONJ
gujaf-374	42	7	productivity	productivity	NOUN
gujaf-374	42	8	,	,	PUNCT
gujaf-374	42	9	affecting	affect	VERB
gujaf-374	42	10	people	people	NOUN
gujaf-374	42	11	's	's	PART
gujaf-374	42	12	well	well	ADV
gujaf-374	42	13	-	-	PUNCT
gujaf-374	42	14	being	being	NOUN
gujaf-374	42	15	,	,	PUNCT
gujaf-374	42	16	physical	physical	ADJ
gujaf-374	42	17	and	and	CCONJ
gujaf-374	42	18	mental	mental	ADJ
gujaf-374	42	19	health	health	NOUN
gujaf-374	42	20	,	,	PUNCT
gujaf-374	42	21	including	include	VERB
gujaf-374	42	22	the	the	DET
gujaf-374	42	23	environment	environment	NOUN
gujaf-374	42	24	(	(	PUNCT
gujaf-374	42	25	uwatt	uwatt	NOUN
gujaf-374	42	26	,	,	PUNCT
gujaf-374	42	27	2019	2019	NUM
gujaf-374	42	28	)	)	PUNCT
gujaf-374	42	29	.	.	PUNCT
gujaf-374	43	1	institutional	institutional	ADJ
gujaf-374	43	2	factors	factor	NOUN
gujaf-374	43	3	eldomiaty	eldomiaty	PROPN
gujaf-374	43	4	&	&	CCONJ
gujaf-374	43	5	el	el	PROPN
gujaf-374	43	6	-	-	PUNCT
gujaf-374	43	7	sehwagy	sehwagy	PROPN
gujaf-374	43	8	(	(	PUNCT
gujaf-374	43	9	2023	2023	NUM
gujaf-374	43	10	)	)	PUNCT
gujaf-374	43	11	perceives	perceive	VERB
gujaf-374	43	12	institutional	institutional	ADJ
gujaf-374	43	13	quality	quality	NOUN
gujaf-374	43	14	as	as	ADP
gujaf-374	43	15	the	the	DET
gujaf-374	43	16	potency	potency	NOUN
gujaf-374	43	17	and	and	CCONJ
gujaf-374	43	18	effectiveness	effectiveness	NOUN
gujaf-374	43	19	of	of	ADP
gujaf-374	43	20	a	a	DET
gujaf-374	43	21	nation	nation	NOUN
gujaf-374	43	22	's	's	PART
gujaf-374	43	23	institutions	institution	NOUN
gujaf-374	43	24	,	,	PUNCT
gujaf-374	43	25	including	include	VERB
gujaf-374	43	26	governance	governance	NOUN
gujaf-374	43	27	,	,	PUNCT
gujaf-374	43	28	policy	policy	NOUN
gujaf-374	43	29	formulation	formulation	NOUN
gujaf-374	43	30	,	,	PUNCT
gujaf-374	43	31	and	and	CCONJ
gujaf-374	43	32	rule	rule	NOUN
gujaf-374	43	33	of	of	ADP
gujaf-374	43	34	law	law	NOUN
gujaf-374	43	35	,	,	PUNCT
gujaf-374	43	36	which	which	PRON
gujaf-374	43	37	significantly	significantly	ADV
gujaf-374	43	38	influence	influence	VERB
gujaf-374	43	39	economic	economic	ADJ
gujaf-374	43	40	growth	growth	NOUN
gujaf-374	43	41	,	,	PUNCT
gujaf-374	43	42	development	development	NOUN
gujaf-374	43	43	and	and	CCONJ
gujaf-374	43	44	national	national	ADJ
gujaf-374	43	45	competitiveness	competitiveness	NOUN
gujaf-374	43	46	.	.	PUNCT
gujaf-374	44	1	strong	strong	ADJ
gujaf-374	44	2	institutions	institution	NOUN
gujaf-374	44	3	enhance	enhance	VERB
gujaf-374	44	4	essential	essential	ADJ
gujaf-374	44	5	infrastructure	infrastructure	NOUN
gujaf-374	44	6	and	and	CCONJ
gujaf-374	44	7	contribute	contribute	VERB
gujaf-374	44	8	to	to	ADP
gujaf-374	44	9	economic	economic	ADJ
gujaf-374	44	10	complexity	complexity	NOUN
gujaf-374	44	11	.	.	PUNCT
gujaf-374	45	1	the	the	DET
gujaf-374	45	2	state	state	NOUN
gujaf-374	45	3	plays	play	VERB
gujaf-374	45	4	a	a	DET
gujaf-374	45	5	crucial	crucial	ADJ
gujaf-374	45	6	role	role	NOUN
gujaf-374	45	7	in	in	ADP
gujaf-374	45	8	inclusive	inclusive	ADJ
gujaf-374	45	9	growth	growth	NOUN
gujaf-374	45	10	,	,	PUNCT
gujaf-374	45	11	ensuring	ensure	VERB
gujaf-374	45	12	fair	fair	ADJ
gujaf-374	45	13	economic	economic	ADJ
gujaf-374	45	14	opportunities	opportunity	NOUN
gujaf-374	45	15	and	and	CCONJ
gujaf-374	45	16	equal	equal	ADJ
gujaf-374	45	17	access	access	NOUN
gujaf-374	45	18	for	for	ADP
gujaf-374	45	19	all	all	PRON
gujaf-374	45	20	.	.	PUNCT
gujaf-374	46	1	however	however	ADV
gujaf-374	46	2	,	,	PUNCT
gujaf-374	46	3	addressing	address	VERB
gujaf-374	46	4	socioeconomic	socioeconomic	ADJ
gujaf-374	46	5	issues	issue	NOUN
gujaf-374	46	6	like	like	ADP
gujaf-374	46	7	poverty	poverty	NOUN
gujaf-374	46	8	and	and	CCONJ
gujaf-374	46	9	wealth	wealth	NOUN
gujaf-374	46	10	disparity	disparity	NOUN
gujaf-374	46	11	can	can	AUX
gujaf-374	46	12	help	help	VERB
gujaf-374	46	13	mitigate	mitigate	VERB
gujaf-374	46	14	these	these	DET
gujaf-374	46	15	issues	issue	NOUN
gujaf-374	46	16	(	(	PUNCT
gujaf-374	46	17	olanrewaju	olanrewaju	X
gujaf-374	46	18	et	et	PROPN
gujaf-374	46	19	al	al	PROPN
gujaf-374	46	20	,	,	PUNCT
gujaf-374	46	21	2020	2020	NUM
gujaf-374	46	22	)	)	PUNCT
gujaf-374	46	23	.	.	PUNCT
gujaf-374	47	1	the	the	DET
gujaf-374	47	2	socioeconomic	socioeconomic	ADJ
gujaf-374	47	3	issues	issue	NOUN
gujaf-374	47	4	of	of	ADP
gujaf-374	47	5	poverty	poverty	NOUN
gujaf-374	47	6	and	and	CCONJ
gujaf-374	47	7	wealth	wealth	NOUN
gujaf-374	47	8	disparity	disparity	NOUN
gujaf-374	47	9	,	,	PUNCT
gujaf-374	47	10	exacerbated	exacerbate	VERB
gujaf-374	47	11	by	by	ADP
gujaf-374	47	12	social	social	ADJ
gujaf-374	47	13	and	and	CCONJ
gujaf-374	47	14	economic	economic	ADJ
gujaf-374	47	15	marginalization	marginalization	NOUN
gujaf-374	47	16	,	,	PUNCT
gujaf-374	47	17	can	can	AUX
gujaf-374	47	18	be	be	AUX
gujaf-374	47	19	mitigated	mitigate	VERB
gujaf-374	47	20	by	by	ADP
gujaf-374	47	21	improving	improve	VERB
gujaf-374	47	22	access	access	NOUN
gujaf-374	47	23	to	to	ADP
gujaf-374	47	24	necessities	necessity	NOUN
gujaf-374	47	25	like	like	ADP
gujaf-374	47	26	decent	decent	ADJ
gujaf-374	47	27	housing	housing	NOUN
gujaf-374	47	28	.	.	PUNCT
gujaf-374	48	1	olanrewaju	olanrewaju	PROPN
gujaf-374	48	2	et	et	PROPN
gujaf-374	48	3	al	al	PROPN
gujaf-374	48	4	.	.	PROPN
gujaf-374	49	1	(	(	PUNCT
gujaf-374	49	2	2020	2020	NUM
gujaf-374	49	3	)	)	PUNCT
gujaf-374	49	4	furthered	further	VERB
gujaf-374	49	5	that	that	SCONJ
gujaf-374	49	6	institutional	institutional	ADJ
gujaf-374	49	7	quality	quality	NOUN
gujaf-374	49	8	is	be	AUX
gujaf-374	49	9	one	one	NUM
gujaf-374	49	10	of	of	ADP
gujaf-374	49	11	the	the	DET
gujaf-374	49	12	most	most	ADV
gujaf-374	49	13	important	important	ADJ
gujaf-374	49	14	missing	missing	ADJ
gujaf-374	49	15	pieces	piece	NOUN
gujaf-374	49	16	in	in	ADP
gujaf-374	49	17	the	the	DET
gujaf-374	49	18	process	process	NOUN
gujaf-374	49	19	of	of	ADP
gujaf-374	49	20	inclusive	inclusive	ADJ
gujaf-374	49	21	growth	growth	NOUN
gujaf-374	49	22	.	.	PUNCT
gujaf-374	50	1	this	this	DET
gujaf-374	50	2	study	study	NOUN
gujaf-374	50	3	examines	examine	VERB
gujaf-374	50	4	institutional	institutional	ADJ
gujaf-374	50	5	quality	quality	NOUN
gujaf-374	50	6	as	as	ADP
gujaf-374	50	7	a	a	DET
gujaf-374	50	8	crucial	crucial	ADJ
gujaf-374	50	9	component	component	NOUN
gujaf-374	50	10	for	for	ADP
gujaf-374	50	11	inclusive	inclusive	ADJ
gujaf-374	50	12	growth	growth	NOUN
gujaf-374	50	13	,	,	PUNCT
gujaf-374	50	14	using	use	VERB
gujaf-374	50	15	the	the	DET
gujaf-374	50	16	six	six	NUM
gujaf-374	50	17	governance	governance	NOUN
gujaf-374	50	18	index	index	NOUN
gujaf-374	50	19	from	from	ADP
gujaf-374	50	20	the	the	DET
gujaf-374	50	21	world	world	PROPN
gujaf-374	50	22	bank	bank	PROPN
gujaf-374	50	23	's	's	PART
gujaf-374	50	24	voice	voice	NOUN
gujaf-374	50	25	and	and	CCONJ
gujaf-374	50	26	accountability	accountability	NOUN
gujaf-374	50	27	,	,	PUNCT
gujaf-374	50	28	political	political	ADJ
gujaf-374	50	29	stability	stability	NOUN
gujaf-374	50	30	,	,	PUNCT
gujaf-374	50	31	government	government	NOUN
gujaf-374	50	32	efficacy	efficacy	NOUN
gujaf-374	50	33	,	,	PUNCT
gujaf-374	50	34	regulatory	regulatory	ADJ
gujaf-374	50	35	quality	quality	NOUN
gujaf-374	50	36	,	,	PUNCT
gujaf-374	50	37	rule	rule	NOUN
gujaf-374	50	38	of	of	ADP
gujaf-374	50	39	law	law	NOUN
gujaf-374	50	40	,	,	PUNCT
gujaf-374	50	41	and	and	CCONJ
gujaf-374	50	42	corruption	corruption	NOUN
gujaf-374	50	43	control	control	NOUN
gujaf-374	50	44	index	index	NOUN
gujaf-374	50	45	are	be	AUX
gujaf-374	50	46	all	all	ADV
gujaf-374	50	47	considered	consider	VERB
gujaf-374	50	48	,	,	PUNCT
gujaf-374	50	49	as	as	SCONJ
gujaf-374	50	50	provided	provide	VERB
gujaf-374	50	51	in	in	ADP
gujaf-374	50	52	the	the	DET
gujaf-374	50	53	worldwide	worldwide	ADJ
gujaf-374	50	54	governance	governance	NOUN
gujaf-374	50	55	indicators	indicator	NOUN
gujaf-374	50	56	.	.	PUNCT
gujaf-374	51	1	(	(	PUNCT
gujaf-374	51	2	wgi	wgi	PROPN
gujaf-374	51	3	)	)	PUNCT
gujaf-374	51	4	.	.	PUNCT
gujaf-374	52	1	empirical	empirical	ADJ
gujaf-374	52	2	literature	literature	NOUN
gujaf-374	52	3	in	in	ADP
gujaf-374	52	4	order	order	NOUN
gujaf-374	52	5	to	to	PART
gujaf-374	52	6	determine	determine	VERB
gujaf-374	52	7	the	the	DET
gujaf-374	52	8	interplay	interplay	NOUN
gujaf-374	52	9	of	of	ADP
gujaf-374	52	10	economic	economic	ADJ
gujaf-374	52	11	,	,	PUNCT
gujaf-374	52	12	social	social	ADJ
gujaf-374	52	13	,	,	PUNCT
gujaf-374	52	14	environmental	environmental	ADJ
gujaf-374	52	15	,	,	PUNCT
gujaf-374	52	16	and	and	CCONJ
gujaf-374	52	17	institutional	institutional	ADJ
gujaf-374	52	18	dynamics	dynamic	NOUN
gujaf-374	52	19	on	on	ADP
gujaf-374	52	20	sustainable	sustainable	ADJ
gujaf-374	52	21	development	development	NOUN
gujaf-374	52	22	for	for	ADP
gujaf-374	52	23	16	16	NUM
gujaf-374	52	24	latin	latin	ADJ
gujaf-374	52	25	american	american	ADJ
gujaf-374	52	26	nations	nation	NOUN
gujaf-374	52	27	from	from	ADP
gujaf-374	52	28	2007	2007	NUM
gujaf-374	52	29	to	to	ADP
gujaf-374	52	30	2019	2019	NUM
gujaf-374	52	31	,	,	PUNCT
gujaf-374	52	32	hernández	hernández	PROPN
gujaf-374	52	33	-	-	PUNCT
gujaf-374	52	34	medina	medina	PROPN
gujaf-374	52	35	(	(	PUNCT
gujaf-374	52	36	2025	2025	NUM
gujaf-374	52	37	)	)	PUNCT
gujaf-374	52	38	used	use	VERB
gujaf-374	52	39	a	a	DET
gujaf-374	52	40	dynamic	dynamic	ADJ
gujaf-374	52	41	panel	panel	NOUN
gujaf-374	52	42	regression	regression	NOUN
gujaf-374	52	43	model	model	NOUN
gujaf-374	52	44	.	.	PUNCT
gujaf-374	53	1	according	accord	VERB
gujaf-374	53	2	to	to	ADP
gujaf-374	53	3	the	the	DET
gujaf-374	53	4	findings	finding	NOUN
gujaf-374	53	5	,	,	PUNCT
gujaf-374	53	6	sustainable	sustainable	ADJ
gujaf-374	53	7	development	development	NOUN
gujaf-374	53	8	is	be	AUX
gujaf-374	53	9	positively	positively	ADV
gujaf-374	53	10	affected	affect	VERB
gujaf-374	53	11	by	by	ADP
gujaf-374	53	12	the	the	DET
gujaf-374	53	13	linkages	linkage	NOUN
gujaf-374	53	14	between	between	ADP
gujaf-374	53	15	institutional	institutional	ADJ
gujaf-374	53	16	and	and	CCONJ
gujaf-374	53	17	social	social	ADJ
gujaf-374	53	18	as	as	ADP
gujaf-374	53	19	gusau	gusau	ADJ
gujaf-374	53	20	journal	journal	NOUN
gujaf-374	53	21	of	of	ADP
gujaf-374	53	22	accounting	accounting	NOUN
gujaf-374	53	23	and	and	CCONJ
gujaf-374	53	24	finance	finance	NOUN
gujaf-374	53	25	,	,	PUNCT
gujaf-374	53	26	vol.6	vol.6	PROPN
gujaf-374	53	27	,	,	PUNCT
gujaf-374	53	28	issue	issue	NOUN
gujaf-374	53	29	1	1	NUM
gujaf-374	53	30	,	,	PUNCT
gujaf-374	53	31	april	april	PROPN
gujaf-374	53	32	,	,	PUNCT
gujaf-374	53	33	2025	2025	NUM
gujaf-374	53	34	141	141	NUM
gujaf-374	53	35	well	well	ADV
gujaf-374	53	36	as	as	ADP
gujaf-374	53	37	institutional	institutional	ADJ
gujaf-374	53	38	and	and	CCONJ
gujaf-374	53	39	economic	economic	ADJ
gujaf-374	53	40	factors	factor	NOUN
gujaf-374	53	41	.	.	PUNCT
gujaf-374	54	1	although	although	SCONJ
gujaf-374	54	2	the	the	DET
gujaf-374	54	3	study	study	NOUN
gujaf-374	54	4	only	only	ADV
gujaf-374	54	5	established	establish	VERB
gujaf-374	54	6	the	the	DET
gujaf-374	54	7	relationship	relationship	NOUN
gujaf-374	54	8	between	between	ADP
gujaf-374	54	9	sustainable	sustainable	ADJ
gujaf-374	54	10	development	development	NOUN
gujaf-374	54	11	and	and	CCONJ
gujaf-374	54	12	the	the	DET
gujaf-374	54	13	independent	independent	ADJ
gujaf-374	54	14	variables	variable	NOUN
gujaf-374	54	15	in	in	ADP
gujaf-374	54	16	general	general	ADJ
gujaf-374	54	17	,	,	PUNCT
gujaf-374	54	18	not	not	PART
gujaf-374	54	19	the	the	DET
gujaf-374	54	20	precise	precise	ADJ
gujaf-374	54	21	impact	impact	NOUN
gujaf-374	54	22	of	of	ADP
gujaf-374	54	23	these	these	DET
gujaf-374	54	24	interactions	interaction	NOUN
gujaf-374	54	25	on	on	ADP
gujaf-374	54	26	housing	housing	NOUN
gujaf-374	54	27	development	development	NOUN
gujaf-374	54	28	in	in	ADP
gujaf-374	54	29	particular	particular	ADJ
gujaf-374	54	30	,	,	PUNCT
gujaf-374	54	31	this	this	DET
gujaf-374	54	32	result	result	NOUN
gujaf-374	54	33	is	be	AUX
gujaf-374	54	34	relevant	relevant	ADJ
gujaf-374	54	35	to	to	ADP
gujaf-374	54	36	the	the	DET
gujaf-374	54	37	study	study	NOUN
gujaf-374	54	38	because	because	SCONJ
gujaf-374	54	39	it	it	PRON
gujaf-374	54	40	highlights	highlight	VERB
gujaf-374	54	41	the	the	DET
gujaf-374	54	42	importance	importance	NOUN
gujaf-374	54	43	of	of	ADP
gujaf-374	54	44	institutional	institutional	ADJ
gujaf-374	54	45	factors	factor	NOUN
gujaf-374	54	46	to	to	ADP
gujaf-374	54	47	sustainable	sustainable	ADJ
gujaf-374	54	48	development	development	NOUN
gujaf-374	54	49	,	,	PUNCT
gujaf-374	54	50	which	which	PRON
gujaf-374	54	51	housing	housing	NOUN
gujaf-374	54	52	falls	fall	VERB
gujaf-374	54	53	under	under	ADP
gujaf-374	54	54	.	.	PUNCT
gujaf-374	55	1	similarly	similarly	ADV
gujaf-374	55	2	,	,	PUNCT
gujaf-374	55	3	the	the	DET
gujaf-374	55	4	impact	impact	NOUN
gujaf-374	55	5	of	of	ADP
gujaf-374	55	6	mortgage	mortgage	NOUN
gujaf-374	55	7	financing	financing	NOUN
gujaf-374	55	8	is	be	AUX
gujaf-374	55	9	not	not	PART
gujaf-374	55	10	taken	take	VERB
gujaf-374	55	11	into	into	ADP
gujaf-374	55	12	account	account	NOUN
gujaf-374	55	13	.	.	PUNCT
gujaf-374	56	1	ekeocha	ekeocha	PROPN
gujaf-374	56	2	,	,	PUNCT
gujaf-374	56	3	et	et	PROPN
gujaf-374	56	4	al	al	PROPN
gujaf-374	56	5	(	(	PUNCT
gujaf-374	56	6	2023	2023	NUM
gujaf-374	56	7	)	)	PUNCT
gujaf-374	56	8	study	study	NOUN
gujaf-374	56	9	revealed	reveal	VERB
gujaf-374	56	10	that	that	SCONJ
gujaf-374	56	11	the	the	DET
gujaf-374	56	12	impact	impact	NOUN
gujaf-374	56	13	of	of	ADP
gujaf-374	56	14	institutional	institutional	ADJ
gujaf-374	56	15	quality	quality	NOUN
gujaf-374	56	16	on	on	ADP
gujaf-374	56	17	sectorial	sectorial	ADJ
gujaf-374	56	18	and	and	CCONJ
gujaf-374	56	19	overall	overall	ADJ
gujaf-374	56	20	economic	economic	ADJ
gujaf-374	56	21	performance	performance	NOUN
gujaf-374	56	22	in	in	ADP
gujaf-374	56	23	sub	sub	ADJ
gujaf-374	56	24	-	-	ADJ
gujaf-374	56	25	saharan	saharan	ADJ
gujaf-374	56	26	africa	africa	PROPN
gujaf-374	56	27	(	(	PUNCT
gujaf-374	56	28	ssa	ssa	PROPN
gujaf-374	56	29	)	)	PUNCT
gujaf-374	56	30	remained	remain	VERB
gujaf-374	56	31	modest	modest	ADJ
gujaf-374	56	32	.	.	PUNCT
gujaf-374	57	1	the	the	DET
gujaf-374	57	2	study	study	NOUN
gujaf-374	57	3	's	's	PART
gujaf-374	57	4	scope	scope	NOUN
gujaf-374	57	5	was	be	AUX
gujaf-374	57	6	constrained	constrain	VERB
gujaf-374	57	7	and	and	CCONJ
gujaf-374	57	8	it	it	PRON
gujaf-374	57	9	concentrated	concentrate	VERB
gujaf-374	57	10	on	on	ADP
gujaf-374	57	11	the	the	DET
gujaf-374	57	12	industrial	industrial	ADJ
gujaf-374	57	13	,	,	PUNCT
gujaf-374	57	14	services	service	NOUN
gujaf-374	57	15	and	and	CCONJ
gujaf-374	57	16	agricultural	agricultural	ADJ
gujaf-374	57	17	sectors	sector	NOUN
gujaf-374	57	18	rather	rather	ADV
gujaf-374	57	19	than	than	ADP
gujaf-374	57	20	the	the	DET
gujaf-374	57	21	independent	independent	ADJ
gujaf-374	57	22	variable	variable	NOUN
gujaf-374	57	23	's	's	PART
gujaf-374	57	24	impact	impact	NOUN
gujaf-374	57	25	on	on	ADP
gujaf-374	57	26	the	the	DET
gujaf-374	57	27	housing	housing	NOUN
gujaf-374	57	28	sector	sector	NOUN
gujaf-374	57	29	.	.	PUNCT
gujaf-374	58	1	in	in	ADP
gujaf-374	58	2	a	a	DET
gujaf-374	58	3	survey	survey	NOUN
gujaf-374	58	4	study	study	NOUN
gujaf-374	58	5	using	use	VERB
gujaf-374	58	6	the	the	DET
gujaf-374	58	7	partial	partial	ADJ
gujaf-374	58	8	least	least	ADJ
gujaf-374	58	9	squares	square	NOUN
gujaf-374	58	10	structural	structural	ADJ
gujaf-374	58	11	equation	equation	NOUN
gujaf-374	58	12	model	model	NOUN
gujaf-374	58	13	(	(	PUNCT
gujaf-374	58	14	pls	pls	INTJ
gujaf-374	58	15	-	-	PUNCT
gujaf-374	58	16	sem	sem	NOUN
gujaf-374	58	17	)	)	PUNCT
gujaf-374	58	18	,	,	PUNCT
gujaf-374	58	19	adabre	adabre	PROPN
gujaf-374	58	20	et	et	PROPN
gujaf-374	58	21	al	al	PROPN
gujaf-374	58	22	.	.	PROPN
gujaf-374	59	1	(	(	PUNCT
gujaf-374	59	2	2022	2022	NUM
gujaf-374	59	3	)	)	PUNCT
gujaf-374	59	4	found	find	VERB
gujaf-374	59	5	that	that	SCONJ
gujaf-374	59	6	bureaucratic	bureaucratic	ADJ
gujaf-374	59	7	bottlenecks	bottleneck	NOUN
gujaf-374	59	8	,	,	PUNCT
gujaf-374	59	9	policy	policy	NOUN
gujaf-374	59	10	instability	instability	NOUN
gujaf-374	59	11	,	,	PUNCT
gujaf-374	59	12	and	and	CCONJ
gujaf-374	59	13	lax	lax	ADJ
gujaf-374	59	14	enforcement	enforcement	NOUN
gujaf-374	59	15	of	of	ADP
gujaf-374	59	16	land	land	NOUN
gujaf-374	59	17	development	development	NOUN
gujaf-374	59	18	control	control	NOUN
gujaf-374	59	19	were	be	AUX
gujaf-374	59	20	the	the	DET
gujaf-374	59	21	three	three	NUM
gujaf-374	59	22	main	main	ADJ
gujaf-374	59	23	obstacles	obstacle	NOUN
gujaf-374	59	24	to	to	ADP
gujaf-374	59	25	the	the	DET
gujaf-374	59	26	development	development	NOUN
gujaf-374	59	27	of	of	ADP
gujaf-374	59	28	sustainable	sustainable	ADJ
gujaf-374	59	29	housing	housing	NOUN
gujaf-374	59	30	.	.	PUNCT
gujaf-374	60	1	these	these	DET
gujaf-374	60	2	factors	factor	NOUN
gujaf-374	60	3	accounted	account	VERB
gujaf-374	60	4	for	for	ADP
gujaf-374	60	5	all	all	DET
gujaf-374	60	6	the	the	DET
gujaf-374	60	7	important	important	ADJ
gujaf-374	60	8	paths	path	NOUN
gujaf-374	60	9	of	of	ADP
gujaf-374	60	10	the	the	DET
gujaf-374	60	11	"	"	PUNCT
gujaf-374	60	12	institutional	institutional	ADJ
gujaf-374	60	13	barriers	barrier	NOUN
gujaf-374	60	14	.	.	PUNCT
gujaf-374	60	15	"	"	PUNCT
gujaf-374	61	1	the	the	DET
gujaf-374	61	2	study	study	NOUN
gujaf-374	61	3	also	also	ADV
gujaf-374	61	4	found	find	VERB
gujaf-374	61	5	that	that	SCONJ
gujaf-374	61	6	"	"	PUNCT
gujaf-374	61	7	economic	economic	ADJ
gujaf-374	61	8	,	,	PUNCT
gujaf-374	61	9	"	"	PUNCT
gujaf-374	61	10	"	"	PUNCT
gujaf-374	61	11	social	social	ADJ
gujaf-374	61	12	,	,	PUNCT
gujaf-374	61	13	"	"	PUNCT
gujaf-374	61	14	and	and	CCONJ
gujaf-374	61	15	"	"	PUNCT
gujaf-374	61	16	environmental	environmental	ADJ
gujaf-374	61	17	"	"	PUNCT
gujaf-374	61	18	restrictions	restriction	NOUN
gujaf-374	61	19	are	be	AUX
gujaf-374	61	20	multiplied	multiply	VERB
gujaf-374	61	21	by	by	ADP
gujaf-374	61	22	these	these	DET
gujaf-374	61	23	institutional	institutional	ADJ
gujaf-374	61	24	barriers	barrier	NOUN
gujaf-374	61	25	.	.	PUNCT
gujaf-374	62	1	the	the	DET
gujaf-374	62	2	fact	fact	NOUN
gujaf-374	62	3	that	that	SCONJ
gujaf-374	62	4	this	this	DET
gujaf-374	62	5	study	study	NOUN
gujaf-374	62	6	identified	identify	VERB
gujaf-374	62	7	institutional	institutional	ADJ
gujaf-374	62	8	elements	element	NOUN
gujaf-374	62	9	as	as	ADP
gujaf-374	62	10	contributing	contribute	VERB
gujaf-374	62	11	to	to	ADP
gujaf-374	62	12	the	the	DET
gujaf-374	62	13	negative	negative	ADJ
gujaf-374	62	14	economic	economic	ADJ
gujaf-374	62	15	effects	effect	NOUN
gujaf-374	62	16	on	on	ADP
gujaf-374	62	17	sustainable	sustainable	ADJ
gujaf-374	62	18	housing	housing	NOUN
gujaf-374	62	19	development	development	NOUN
gujaf-374	62	20	is	be	AUX
gujaf-374	62	21	new	new	ADJ
gujaf-374	62	22	,	,	PUNCT
gujaf-374	62	23	but	but	CCONJ
gujaf-374	62	24	a	a	DET
gujaf-374	62	25	significant	significant	ADJ
gujaf-374	62	26	flaw	flaw	NOUN
gujaf-374	62	27	in	in	ADP
gujaf-374	62	28	the	the	DET
gujaf-374	62	29	study	study	NOUN
gujaf-374	62	30	is	be	AUX
gujaf-374	62	31	that	that	SCONJ
gujaf-374	62	32	it	it	PRON
gujaf-374	62	33	neglected	neglect	VERB
gujaf-374	62	34	to	to	PART
gujaf-374	62	35	consider	consider	VERB
gujaf-374	62	36	the	the	DET
gujaf-374	62	37	financial	financial	ADJ
gujaf-374	62	38	implications	implication	NOUN
gujaf-374	62	39	.	.	PUNCT
gujaf-374	63	1	osifalujo	osifalujo	PROPN
gujaf-374	63	2	,	,	PUNCT
gujaf-374	63	3	et	et	PROPN
gujaf-374	63	4	al	al	PROPN
gujaf-374	63	5	(	(	PUNCT
gujaf-374	63	6	2022	2022	NUM
gujaf-374	63	7	)	)	PUNCT
gujaf-374	63	8	studied	study	VERB
gujaf-374	63	9	the	the	DET
gujaf-374	63	10	impact	impact	NOUN
gujaf-374	63	11	of	of	ADP
gujaf-374	63	12	institutional	institutional	ADJ
gujaf-374	63	13	quality	quality	NOUN
gujaf-374	63	14	on	on	ADP
gujaf-374	63	15	infrastructure	infrastructure	NOUN
gujaf-374	63	16	development	development	NOUN
gujaf-374	63	17	in	in	ADP
gujaf-374	63	18	nigeria	nigeria	PROPN
gujaf-374	63	19	.	.	PUNCT
gujaf-374	64	1	they	they	PRON
gujaf-374	64	2	used	use	VERB
gujaf-374	64	3	a	a	DET
gujaf-374	64	4	descriptive	descriptive	ADJ
gujaf-374	64	5	survey	survey	NOUN
gujaf-374	64	6	design	design	NOUN
gujaf-374	64	7	and	and	CCONJ
gujaf-374	64	8	crombach	crombach	NOUN
gujaf-374	64	9	alpha	alpha	NOUN
gujaf-374	64	10	test	test	NOUN
gujaf-374	64	11	to	to	PART
gujaf-374	64	12	verify	verify	VERB
gujaf-374	64	13	data	datum	NOUN
gujaf-374	64	14	reliability	reliability	NOUN
gujaf-374	64	15	.	.	PUNCT
gujaf-374	65	1	results	result	NOUN
gujaf-374	65	2	showed	show	VERB
gujaf-374	65	3	a	a	DET
gujaf-374	65	4	strong	strong	ADJ
gujaf-374	65	5	correlation	correlation	NOUN
gujaf-374	65	6	between	between	ADP
gujaf-374	65	7	infrastructure	infrastructure	NOUN
gujaf-374	65	8	development	development	NOUN
gujaf-374	65	9	efficacy	efficacy	NOUN
gujaf-374	65	10	and	and	CCONJ
gujaf-374	65	11	governance	governance	NOUN
gujaf-374	65	12	,	,	PUNCT
gujaf-374	65	13	indicating	indicate	VERB
gujaf-374	65	14	excellent	excellent	ADJ
gujaf-374	65	15	governance	governance	NOUN
gujaf-374	65	16	practices	practice	NOUN
gujaf-374	65	17	positively	positively	ADV
gujaf-374	65	18	contribute	contribute	VERB
gujaf-374	65	19	to	to	ADP
gujaf-374	65	20	social	social	ADJ
gujaf-374	65	21	,	,	PUNCT
gujaf-374	65	22	economic	economic	ADJ
gujaf-374	65	23	,	,	PUNCT
gujaf-374	65	24	and	and	CCONJ
gujaf-374	65	25	environmental	environmental	ADJ
gujaf-374	65	26	development	development	NOUN
gujaf-374	65	27	.	.	PUNCT
gujaf-374	66	1	the	the	DET
gujaf-374	66	2	research	research	NOUN
gujaf-374	66	3	,	,	PUNCT
gujaf-374	66	4	based	base	VERB
gujaf-374	66	5	on	on	ADP
gujaf-374	66	6	36	36	NUM
gujaf-374	66	7	nigerian	nigerian	ADJ
gujaf-374	66	8	states	state	NOUN
gujaf-374	66	9	,	,	PUNCT
gujaf-374	66	10	is	be	AUX
gujaf-374	66	11	limited	limit	VERB
gujaf-374	66	12	in	in	ADP
gujaf-374	66	13	scope	scope	NOUN
gujaf-374	66	14	and	and	CCONJ
gujaf-374	66	15	may	may	AUX
gujaf-374	66	16	be	be	AUX
gujaf-374	66	17	influenced	influence	VERB
gujaf-374	66	18	by	by	ADP
gujaf-374	66	19	employment	employment	NOUN
gujaf-374	66	20	affiliations	affiliation	NOUN
gujaf-374	66	21	,	,	PUNCT
gujaf-374	66	22	potentially	potentially	ADV
gujaf-374	66	23	compromising	compromise	VERB
gujaf-374	66	24	the	the	DET
gujaf-374	66	25	objectivity	objectivity	NOUN
gujaf-374	66	26	of	of	ADP
gujaf-374	66	27	the	the	DET
gujaf-374	66	28	data	datum	NOUN
gujaf-374	66	29	.	.	PUNCT
gujaf-374	67	1	okolie	okolie	PROPN
gujaf-374	67	2	&	&	CCONJ
gujaf-374	67	3	erhijakpor	erhijakpor	PROPN
gujaf-374	67	4	(	(	PUNCT
gujaf-374	67	5	2020	2020	NUM
gujaf-374	67	6	)	)	PUNCT
gujaf-374	67	7	study	study	NOUN
gujaf-374	67	8	found	find	VERB
gujaf-374	67	9	that	that	SCONJ
gujaf-374	67	10	access	access	NOUN
gujaf-374	67	11	to	to	ADP
gujaf-374	67	12	mortgage	mortgage	NOUN
gujaf-374	67	13	financing	financing	NOUN
gujaf-374	67	14	schemes	scheme	NOUN
gujaf-374	67	15	such	such	ADJ
gujaf-374	67	16	as	as	ADP
gujaf-374	67	17	national	national	ADJ
gujaf-374	67	18	housing	housing	NOUN
gujaf-374	67	19	fund	fund	PROPN
gujaf-374	67	20	(	(	PUNCT
gujaf-374	67	21	nhf	nhf	PROPN
gujaf-374	67	22	)	)	PUNCT
gujaf-374	67	23	and	and	CCONJ
gujaf-374	67	24	mortgage	mortgage	NOUN
gujaf-374	67	25	investment	investment	NOUN
gujaf-374	67	26	fund	fund	NOUN
gujaf-374	67	27	positively	positively	ADV
gujaf-374	67	28	affects	affect	VERB
gujaf-374	67	29	housing	housing	NOUN
gujaf-374	67	30	development	development	NOUN
gujaf-374	67	31	.	.	PUNCT
gujaf-374	68	1	however	however	ADV
gujaf-374	68	2	,	,	PUNCT
gujaf-374	68	3	federal	federal	ADJ
gujaf-374	68	4	mortgage	mortgage	NOUN
gujaf-374	68	5	loans	loan	NOUN
gujaf-374	68	6	have	have	VERB
gujaf-374	68	7	an	an	DET
gujaf-374	68	8	inverse	inverse	ADJ
gujaf-374	68	9	effect	effect	NOUN
gujaf-374	68	10	due	due	ADP
gujaf-374	68	11	to	to	ADP
gujaf-374	68	12	the	the	DET
gujaf-374	68	13	general	general	ADJ
gujaf-374	68	14	public	public	NOUN
gujaf-374	68	15	's	's	PART
gujaf-374	68	16	inability	inability	NOUN
gujaf-374	68	17	to	to	PART
gujaf-374	68	18	obtain	obtain	VERB
gujaf-374	68	19	these	these	DET
gujaf-374	68	20	loans	loan	NOUN
gujaf-374	68	21	.	.	PUNCT
gujaf-374	69	1	the	the	DET
gujaf-374	69	2	study	study	NOUN
gujaf-374	69	3	is	be	AUX
gujaf-374	69	4	a	a	DET
gujaf-374	69	5	testament	testament	NOUN
gujaf-374	69	6	to	to	ADP
gujaf-374	69	7	the	the	DET
gujaf-374	69	8	significance	significance	NOUN
gujaf-374	69	9	of	of	ADP
gujaf-374	69	10	mortgage	mortgage	NOUN
gujaf-374	69	11	finance	finance	NOUN
gujaf-374	69	12	in	in	ADP
gujaf-374	69	13	meeting	meet	VERB
gujaf-374	69	14	housing	housing	NOUN
gujaf-374	69	15	needs	need	NOUN
gujaf-374	69	16	in	in	ADP
gujaf-374	69	17	nigeria	nigeria	PROPN
gujaf-374	69	18	and	and	CCONJ
gujaf-374	69	19	other	other	ADJ
gujaf-374	69	20	regions	region	NOUN
gujaf-374	69	21	.	.	PUNCT
gujaf-374	70	1	the	the	DET
gujaf-374	70	2	study	study	NOUN
gujaf-374	70	3	's	's	PART
gujaf-374	70	4	use	use	NOUN
gujaf-374	70	5	of	of	ADP
gujaf-374	70	6	market	market	NOUN
gujaf-374	70	7	interest	interest	NOUN
gujaf-374	70	8	rate	rate	NOUN
gujaf-374	70	9	as	as	ADP
gujaf-374	70	10	mortgage	mortgage	NOUN
gujaf-374	70	11	borrowing	borrowing	NOUN
gujaf-374	70	12	cost	cost	NOUN
gujaf-374	70	13	is	be	AUX
gujaf-374	70	14	flawed	flawed	ADJ
gujaf-374	70	15	,	,	PUNCT
gujaf-374	70	16	as	as	SCONJ
gujaf-374	70	17	federal	federal	ADJ
gujaf-374	70	18	mortgage	mortgage	NOUN
gujaf-374	70	19	bank	bank	PROPN
gujaf-374	70	20	of	of	ADP
gujaf-374	70	21	nigeria	nigeria	PROPN
gujaf-374	70	22	's	's	PART
gujaf-374	70	23	rates	rate	NOUN
gujaf-374	70	24	are	be	AUX
gujaf-374	70	25	usually	usually	ADV
gujaf-374	70	26	lower	low	ADJ
gujaf-374	70	27	than	than	ADP
gujaf-374	70	28	market	market	NOUN
gujaf-374	70	29	rates	rate	NOUN
gujaf-374	70	30	.	.	PUNCT
gujaf-374	71	1	conversely	conversely	ADV
gujaf-374	71	2	,	,	PUNCT
gujaf-374	71	3	kioko	kioko	PROPN
gujaf-374	71	4	(	(	PUNCT
gujaf-374	71	5	2020	2020	NUM
gujaf-374	71	6	)	)	PUNCT
gujaf-374	71	7	study	study	NOUN
gujaf-374	71	8	on	on	ADP
gujaf-374	71	9	mortgage	mortgage	NOUN
gujaf-374	71	10	finance	finance	NOUN
gujaf-374	71	11	's	's	PART
gujaf-374	71	12	impact	impact	NOUN
gujaf-374	71	13	on	on	ADP
gujaf-374	71	14	kenyan	kenyan	ADJ
gujaf-374	71	15	residential	residential	ADJ
gujaf-374	71	16	real	real	ADJ
gujaf-374	71	17	estate	estate	NOUN
gujaf-374	71	18	development	development	NOUN
gujaf-374	71	19	found	find	VERB
gujaf-374	71	20	that	that	SCONJ
gujaf-374	71	21	it	it	PRON
gujaf-374	71	22	does	do	AUX
gujaf-374	71	23	n't	not	PART
gujaf-374	71	24	significantly	significantly	ADV
gujaf-374	71	25	impact	impact	VERB
gujaf-374	71	26	the	the	DET
gujaf-374	71	27	sector	sector	NOUN
gujaf-374	71	28	,	,	PUNCT
gujaf-374	71	29	contradicting	contradict	VERB
gujaf-374	71	30	previous	previous	ADJ
gujaf-374	71	31	research	research	NOUN
gujaf-374	71	32	by	by	ADP
gujaf-374	71	33	okolie	okolie	PROPN
gujaf-374	71	34	&	&	CCONJ
gujaf-374	71	35	erhijakpor	erhijakpor	PROPN
gujaf-374	71	36	(	(	PUNCT
gujaf-374	71	37	2020	2020	NUM
gujaf-374	71	38	)	)	PUNCT
gujaf-374	71	39	and	and	CCONJ
gujaf-374	71	40	etyang	etyang	PROPN
gujaf-374	71	41	&	&	CCONJ
gujaf-374	71	42	mwengei	mwengei	PROPN
gujaf-374	71	43	(	(	PUNCT
gujaf-374	71	44	2019	2019	NUM
gujaf-374	71	45	)	)	PUNCT
gujaf-374	71	46	.	.	PUNCT
gujaf-374	72	1	the	the	DET
gujaf-374	72	2	findings	finding	NOUN
gujaf-374	72	3	contradict	contradict	VERB
gujaf-374	72	4	previous	previous	ADJ
gujaf-374	72	5	research	research	NOUN
gujaf-374	72	6	.	.	PUNCT
gujaf-374	73	1	etyang	etyang	PROPN
gujaf-374	73	2	&	&	CCONJ
gujaf-374	73	3	mwengei	mwengei	PROPN
gujaf-374	73	4	's	's	PART
gujaf-374	73	5	(	(	PUNCT
gujaf-374	73	6	2019	2019	NUM
gujaf-374	73	7	)	)	PUNCT
gujaf-374	73	8	study	study	NOUN
gujaf-374	73	9	on	on	ADP
gujaf-374	73	10	mortgage	mortgage	NOUN
gujaf-374	73	11	financing	financing	NOUN
gujaf-374	73	12	in	in	ADP
gujaf-374	73	13	kisumu	kisumu	PROPN
gujaf-374	73	14	city	city	PROPN
gujaf-374	73	15	,	,	PUNCT
gujaf-374	73	16	kenya	kenya	PROPN
gujaf-374	73	17	,	,	PUNCT
gujaf-374	73	18	found	find	VERB
gujaf-374	73	19	a	a	DET
gujaf-374	73	20	significantly	significantly	ADV
gujaf-374	73	21	directional	directional	ADJ
gujaf-374	73	22	relationship	relationship	NOUN
gujaf-374	73	23	between	between	ADP
gujaf-374	73	24	mortgage	mortgage	NOUN
gujaf-374	73	25	loans	loan	NOUN
gujaf-374	73	26	and	and	CCONJ
gujaf-374	73	27	savings	saving	NOUN
gujaf-374	73	28	based	base	VERB
gujaf-374	73	29	financing	financing	NOUN
gujaf-374	73	30	and	and	CCONJ
gujaf-374	73	31	real	real	ADJ
gujaf-374	73	32	estate	estate	NOUN
gujaf-374	73	33	performance	performance	NOUN
gujaf-374	73	34	.	.	PUNCT
gujaf-374	74	1	the	the	DET
gujaf-374	74	2	study	study	NOUN
gujaf-374	74	3	,	,	PUNCT
gujaf-374	74	4	which	which	PRON
gujaf-374	74	5	was	be	AUX
gujaf-374	74	6	based	base	VERB
gujaf-374	74	7	on	on	ADP
gujaf-374	74	8	interviews	interview	NOUN
gujaf-374	74	9	and	and	CCONJ
gujaf-374	74	10	was	be	AUX
gujaf-374	74	11	informed	inform	VERB
gujaf-374	74	12	by	by	ADP
gujaf-374	74	13	structural	structural	ADJ
gujaf-374	74	14	form	form	NOUN
gujaf-374	74	15	theory	theory	NOUN
gujaf-374	74	16	,	,	PUNCT
gujaf-374	74	17	lien	lien	PROPN
gujaf-374	74	18	theory	theory	NOUN
gujaf-374	74	19	,	,	PUNCT
gujaf-374	74	20	and	and	CCONJ
gujaf-374	74	21	liquidity	liquidity	NOUN
gujaf-374	74	22	preference	preference	NOUN
gujaf-374	74	23	theory	theory	NOUN
gujaf-374	74	24	,	,	PUNCT
gujaf-374	74	25	could	could	AUX
gujaf-374	74	26	not	not	PART
gujaf-374	74	27	be	be	AUX
gujaf-374	74	28	totally	totally	ADV
gujaf-374	74	29	trustworthy	trustworthy	ADJ
gujaf-374	74	30	because	because	SCONJ
gujaf-374	74	31	of	of	ADP
gujaf-374	74	32	subjectivity	subjectivity	NOUN
gujaf-374	74	33	.	.	PUNCT
gujaf-374	75	1	the	the	DET
gujaf-374	75	2	likelihood	likelihood	NOUN
gujaf-374	75	3	of	of	ADP
gujaf-374	75	4	obtaining	obtain	VERB
gujaf-374	75	5	a	a	DET
gujaf-374	75	6	mortgage	mortgage	NOUN
gujaf-374	75	7	in	in	ADP
gujaf-374	75	8	spain	spain	PROPN
gujaf-374	75	9	is	be	AUX
gujaf-374	75	10	also	also	ADV
gujaf-374	75	11	increased	increase	VERB
gujaf-374	75	12	by	by	ADP
gujaf-374	75	13	larger	large	ADJ
gujaf-374	75	14	housing	housing	NOUN
gujaf-374	75	15	-	-	PUNCT
gujaf-374	75	16	loan	loan	NOUN
gujaf-374	75	17	penetration	penetration	NOUN
gujaf-374	75	18	in	in	ADP
gujaf-374	75	19	ancestry	ancestry	NOUN
gujaf-374	75	20	nations	nation	NOUN
gujaf-374	75	21	,	,	PUNCT
gujaf-374	75	22	according	accord	VERB
gujaf-374	75	23	to	to	ADP
gujaf-374	75	24	nuria	nuria	PROPN
gujaf-374	75	25	's	's	PART
gujaf-374	75	26	(	(	PUNCT
gujaf-374	75	27	2018	2018	NUM
gujaf-374	75	28	)	)	PUNCT
gujaf-374	75	29	research	research	NOUN
gujaf-374	75	30	.	.	PUNCT
gujaf-374	76	1	the	the	DET
gujaf-374	76	2	study	study	NOUN
gujaf-374	76	3	also	also	ADV
gujaf-374	76	4	discovered	discover	VERB
gujaf-374	76	5	that	that	SCONJ
gujaf-374	76	6	monthly	monthly	ADJ
gujaf-374	76	7	mortgage	mortgage	NOUN
gujaf-374	76	8	payments	payment	NOUN
gujaf-374	76	9	are	be	AUX
gujaf-374	76	10	influenced	influence	VERB
gujaf-374	76	11	by	by	ADP
gujaf-374	76	12	the	the	DET
gujaf-374	76	13	depth	depth	NOUN
gujaf-374	76	14	of	of	ADP
gujaf-374	76	15	ancestry	ancestry	NOUN
gujaf-374	76	16	mortgages	mortgage	NOUN
gujaf-374	76	17	.	.	PUNCT
gujaf-374	77	1	the	the	DET
gujaf-374	77	2	study	study	NOUN
gujaf-374	77	3	gusau	gusau	PROPN
gujaf-374	77	4	journal	journal	PROPN
gujaf-374	77	5	of	of	ADP
gujaf-374	77	6	accounting	accounting	NOUN
gujaf-374	77	7	and	and	CCONJ
gujaf-374	77	8	finance	finance	NOUN
gujaf-374	77	9	,	,	PUNCT
gujaf-374	77	10	vol.6	vol.6	PROPN
gujaf-374	77	11	,	,	PUNCT
gujaf-374	77	12	issue	issue	NOUN
gujaf-374	77	13	1	1	NUM
gujaf-374	77	14	,	,	PUNCT
gujaf-374	77	15	april	april	PROPN
gujaf-374	77	16	,	,	PUNCT
gujaf-374	77	17	2025	2025	NUM
gujaf-374	77	18	142	142	NUM
gujaf-374	77	19	emphasizes	emphasize	VERB
gujaf-374	77	20	how	how	SCONJ
gujaf-374	77	21	crucial	crucial	ADJ
gujaf-374	77	22	cultural	cultural	ADJ
gujaf-374	77	23	perspectives	perspective	NOUN
gujaf-374	77	24	on	on	ADP
gujaf-374	77	25	property	property	NOUN
gujaf-374	77	26	rights	right	NOUN
gujaf-374	77	27	are	be	AUX
gujaf-374	77	28	when	when	SCONJ
gujaf-374	77	29	making	make	VERB
gujaf-374	77	30	mortgage	mortgage	NOUN
gujaf-374	77	31	decisions	decision	NOUN
gujaf-374	77	32	.	.	PUNCT
gujaf-374	78	1	the	the	DET
gujaf-374	78	2	primary	primary	ADJ
gujaf-374	78	3	drawback	drawback	NOUN
gujaf-374	78	4	of	of	ADP
gujaf-374	78	5	the	the	DET
gujaf-374	78	6	study	study	NOUN
gujaf-374	78	7	is	be	AUX
gujaf-374	78	8	that	that	SCONJ
gujaf-374	78	9	,	,	PUNCT
gujaf-374	78	10	because	because	SCONJ
gujaf-374	78	11	of	of	ADP
gujaf-374	78	12	its	its	PRON
gujaf-374	78	13	qualitative	qualitative	ADJ
gujaf-374	78	14	methodology	methodology	NOUN
gujaf-374	78	15	,	,	PUNCT
gujaf-374	78	16	it	it	PRON
gujaf-374	78	17	is	be	AUX
gujaf-374	78	18	unable	unable	ADJ
gujaf-374	78	19	to	to	PART
gujaf-374	78	20	offer	offer	VERB
gujaf-374	78	21	a	a	DET
gujaf-374	78	22	statistically	statistically	ADV
gujaf-374	78	23	sound	sound	ADJ
gujaf-374	78	24	foundation	foundation	NOUN
gujaf-374	78	25	for	for	ADP
gujaf-374	78	26	its	its	PRON
gujaf-374	78	27	empirical	empirical	ADJ
gujaf-374	78	28	conclusions	conclusion	NOUN
gujaf-374	78	29	.	.	PUNCT
gujaf-374	79	1	despite	despite	SCONJ
gujaf-374	79	2	the	the	DET
gujaf-374	79	3	importance	importance	NOUN
gujaf-374	79	4	of	of	ADP
gujaf-374	79	5	institutional	institutional	ADJ
gujaf-374	79	6	dynamics	dynamic	NOUN
gujaf-374	79	7	,	,	PUNCT
gujaf-374	79	8	studies	study	NOUN
gujaf-374	79	9	in	in	ADP
gujaf-374	79	10	the	the	DET
gujaf-374	79	11	fields	field	NOUN
gujaf-374	79	12	of	of	ADP
gujaf-374	79	13	mortgage	mortgage	NOUN
gujaf-374	79	14	finance	finance	NOUN
gujaf-374	79	15	and	and	CCONJ
gujaf-374	79	16	housing	housing	NOUN
gujaf-374	79	17	development	development	NOUN
gujaf-374	79	18	have	have	VERB
gujaf-374	79	19	,	,	PUNCT
gujaf-374	79	20	to	to	ADP
gujaf-374	79	21	the	the	DET
gujaf-374	79	22	best	good	ADJ
gujaf-374	79	23	of	of	ADP
gujaf-374	79	24	the	the	DET
gujaf-374	79	25	researcher	researcher	NOUN
gujaf-374	79	26	's	's	PART
gujaf-374	79	27	knowledge	knowledge	NOUN
gujaf-374	79	28	,	,	PUNCT
gujaf-374	79	29	mostly	mostly	ADV
gujaf-374	79	30	ignored	ignore	VERB
gujaf-374	79	31	the	the	DET
gujaf-374	79	32	interacting	interact	VERB
gujaf-374	79	33	role	role	NOUN
gujaf-374	79	34	of	of	ADP
gujaf-374	79	35	institutional	institutional	ADJ
gujaf-374	79	36	factors	factor	NOUN
gujaf-374	79	37	.	.	PUNCT
gujaf-374	80	1	for	for	ADP
gujaf-374	80	2	example	example	NOUN
gujaf-374	80	3	,	,	PUNCT
gujaf-374	80	4	building	build	VERB
gujaf-374	80	5	approval	approval	NOUN
gujaf-374	80	6	,	,	PUNCT
gujaf-374	80	7	foreclosure	foreclosure	NOUN
gujaf-374	80	8	procedures	procedure	NOUN
gujaf-374	80	9	,	,	PUNCT
gujaf-374	80	10	and	and	CCONJ
gujaf-374	80	11	land	land	NOUN
gujaf-374	80	12	titling	titling	NOUN
gujaf-374	80	13	processing	processing	NOUN
gujaf-374	80	14	all	all	PRON
gujaf-374	80	15	depend	depend	VERB
gujaf-374	80	16	on	on	ADP
gujaf-374	80	17	institutional	institutional	ADJ
gujaf-374	80	18	factors	factor	NOUN
gujaf-374	80	19	like	like	ADP
gujaf-374	80	20	political	political	ADJ
gujaf-374	80	21	stability	stability	NOUN
gujaf-374	80	22	,	,	PUNCT
gujaf-374	80	23	voice	voice	NOUN
gujaf-374	80	24	and	and	CCONJ
gujaf-374	80	25	accountability	accountability	NOUN
gujaf-374	80	26	,	,	PUNCT
gujaf-374	80	27	government	government	NOUN
gujaf-374	80	28	effectiveness	effectiveness	NOUN
gujaf-374	80	29	,	,	PUNCT
gujaf-374	80	30	rule	rule	NOUN
gujaf-374	80	31	of	of	ADP
gujaf-374	80	32	law	law	NOUN
gujaf-374	80	33	,	,	PUNCT
gujaf-374	80	34	and	and	CCONJ
gujaf-374	80	35	regulatory	regulatory	ADJ
gujaf-374	80	36	framework	framework	NOUN
gujaf-374	80	37	.	.	PUNCT
gujaf-374	81	1	therefore	therefore	ADV
gujaf-374	81	2	,	,	PUNCT
gujaf-374	81	3	by	by	ADP
gujaf-374	81	4	determining	determine	VERB
gujaf-374	81	5	the	the	DET
gujaf-374	81	6	interaction	interaction	NOUN
gujaf-374	81	7	effect	effect	NOUN
gujaf-374	81	8	of	of	ADP
gujaf-374	81	9	institutional	institutional	ADJ
gujaf-374	81	10	factors	factor	NOUN
gujaf-374	81	11	in	in	ADP
gujaf-374	81	12	the	the	DET
gujaf-374	81	13	relationship	relationship	NOUN
gujaf-374	81	14	between	between	ADP
gujaf-374	81	15	mortgage	mortgage	NOUN
gujaf-374	81	16	finance	finance	NOUN
gujaf-374	81	17	and	and	CCONJ
gujaf-374	81	18	housing	housing	NOUN
gujaf-374	81	19	development	development	NOUN
gujaf-374	81	20	,	,	PUNCT
gujaf-374	81	21	this	this	DET
gujaf-374	81	22	study	study	NOUN
gujaf-374	81	23	aimed	aim	VERB
gujaf-374	81	24	to	to	PART
gujaf-374	81	25	close	close	VERB
gujaf-374	81	26	this	this	DET
gujaf-374	81	27	gap	gap	NOUN
gujaf-374	81	28	in	in	ADP
gujaf-374	81	29	the	the	DET
gujaf-374	81	30	literature	literature	NOUN
gujaf-374	81	31	.	.	PUNCT
gujaf-374	82	1	theoretical	theoretical	ADJ
gujaf-374	82	2	underpinning	underpinning	ADJ
gujaf-374	82	3	systems	system	NOUN
gujaf-374	82	4	theory	theory	NOUN
gujaf-374	82	5	,	,	PUNCT
gujaf-374	82	6	proposed	propose	VERB
gujaf-374	82	7	in	in	ADP
gujaf-374	82	8	the	the	DET
gujaf-374	82	9	1940s	1940s	NUM
gujaf-374	82	10	by	by	ADP
gujaf-374	82	11	the	the	DET
gujaf-374	82	12	biologist	biologist	NOUN
gujaf-374	82	13	ludwig	ludwig	PROPN
gujaf-374	82	14	von	von	PROPN
gujaf-374	82	15	bertalanffy	bertalanffy	PROPN
gujaf-374	82	16	,	,	PUNCT
gujaf-374	82	17	and	and	CCONJ
gujaf-374	82	18	furthered	further	VERB
gujaf-374	82	19	by	by	ADP
gujaf-374	82	20	ross	ross	PROPN
gujaf-374	82	21	ashby	ashby	PROPN
gujaf-374	82	22	in	in	ADP
gujaf-374	82	23	1956	1956	NUM
gujaf-374	82	24	can	can	AUX
gujaf-374	82	25	be	be	AUX
gujaf-374	82	26	adapted	adapt	VERB
gujaf-374	82	27	for	for	ADP
gujaf-374	82	28	broader	broad	ADJ
gujaf-374	82	29	understanding	understanding	NOUN
gujaf-374	82	30	of	of	ADP
gujaf-374	82	31	a	a	DET
gujaf-374	82	32	phenomenon	phenomenon	NOUN
gujaf-374	82	33	that	that	PRON
gujaf-374	82	34	incorporates	incorporate	VERB
gujaf-374	82	35	interrelated	interrelated	ADJ
gujaf-374	82	36	components	component	NOUN
gujaf-374	82	37	,	,	PUNCT
gujaf-374	82	38	such	such	ADJ
gujaf-374	82	39	as	as	ADP
gujaf-374	82	40	housing	housing	NOUN
gujaf-374	82	41	development	development	NOUN
gujaf-374	82	42	(	(	PUNCT
gujaf-374	82	43	millanzi	millanzi	NOUN
gujaf-374	82	44	,	,	PUNCT
gujaf-374	82	45	2016	2016	NUM
gujaf-374	82	46	)	)	PUNCT
gujaf-374	82	47	,	,	PUNCT
gujaf-374	82	48	which	which	PRON
gujaf-374	82	49	may	may	AUX
gujaf-374	82	50	be	be	AUX
gujaf-374	82	51	affected	affect	VERB
gujaf-374	82	52	by	by	ADP
gujaf-374	82	53	mortgage	mortgage	NOUN
gujaf-374	82	54	finance	finance	NOUN
gujaf-374	82	55	and	and	CCONJ
gujaf-374	82	56	institutional	institutional	ADJ
gujaf-374	82	57	factors	factor	NOUN
gujaf-374	82	58	.	.	PUNCT
gujaf-374	83	1	ludwig	ludwig	PROPN
gujaf-374	83	2	(	(	PUNCT
gujaf-374	83	3	1901–1972	1901–1972	NUM
gujaf-374	83	4	)	)	PUNCT
gujaf-374	83	5	originated	originate	VERB
gujaf-374	83	6	the	the	DET
gujaf-374	83	7	systems	system	NOUN
gujaf-374	83	8	theory	theory	NOUN
gujaf-374	83	9	used	use	VERB
gujaf-374	83	10	in	in	ADP
gujaf-374	83	11	social	social	ADJ
gujaf-374	83	12	work	work	NOUN
gujaf-374	83	13	,	,	PUNCT
gujaf-374	83	14	because	because	SCONJ
gujaf-374	83	15	of	of	ADP
gujaf-374	83	16	his	his	PRON
gujaf-374	83	17	dissatisfaction	dissatisfaction	NOUN
gujaf-374	83	18	with	with	ADP
gujaf-374	83	19	the	the	DET
gujaf-374	83	20	way	way	NOUN
gujaf-374	83	21	linear	linear	ADJ
gujaf-374	83	22	,	,	PUNCT
gujaf-374	83	23	cause	cause	NOUN
gujaf-374	83	24	-	-	PUNCT
gujaf-374	83	25	andeffect	andeffect	NOUN
gujaf-374	83	26	theories	theory	NOUN
gujaf-374	83	27	explained	explain	VERB
gujaf-374	83	28	growth	growth	NOUN
gujaf-374	83	29	and	and	CCONJ
gujaf-374	83	30	change	change	NOUN
gujaf-374	83	31	in	in	ADP
gujaf-374	83	32	living	live	VERB
gujaf-374	83	33	organisms	organism	NOUN
gujaf-374	83	34	.	.	PUNCT
gujaf-374	84	1	the	the	DET
gujaf-374	84	2	main	main	ADJ
gujaf-374	84	3	principle	principle	NOUN
gujaf-374	84	4	of	of	ADP
gujaf-374	84	5	the	the	DET
gujaf-374	84	6	systems	system	NOUN
gujaf-374	84	7	theory	theory	NOUN
gujaf-374	84	8	is	be	AUX
gujaf-374	84	9	that	that	SCONJ
gujaf-374	84	10	it	it	PRON
gujaf-374	84	11	considers	consider	VERB
gujaf-374	84	12	the	the	DET
gujaf-374	84	13	system	system	NOUN
gujaf-374	84	14	as	as	ADP
gujaf-374	84	15	a	a	DET
gujaf-374	84	16	whole	whole	NOUN
gujaf-374	84	17	together	together	ADV
gujaf-374	84	18	with	with	ADP
gujaf-374	84	19	its	its	PRON
gujaf-374	84	20	complex	complex	ADJ
gujaf-374	84	21	interrelationships	interrelationship	NOUN
gujaf-374	84	22	among	among	ADP
gujaf-374	84	23	its	its	PRON
gujaf-374	84	24	constituent	constituent	ADJ
gujaf-374	84	25	parts	part	NOUN
gujaf-374	84	26	.	.	PUNCT
gujaf-374	85	1	structurally	structurally	ADV
gujaf-374	85	2	,	,	PUNCT
gujaf-374	85	3	a	a	DET
gujaf-374	85	4	housing	housing	NOUN
gujaf-374	85	5	finance	finance	NOUN
gujaf-374	85	6	system	system	NOUN
gujaf-374	85	7	is	be	AUX
gujaf-374	85	8	a	a	DET
gujaf-374	85	9	separable	separable	ADJ
gujaf-374	85	10	unit	unit	NOUN
gujaf-374	85	11	,	,	PUNCT
gujaf-374	85	12	but	but	CCONJ
gujaf-374	85	13	functionally	functionally	ADV
gujaf-374	85	14	it	it	PRON
gujaf-374	85	15	is	be	AUX
gujaf-374	85	16	an	an	DET
gujaf-374	85	17	inseparable	inseparable	ADJ
gujaf-374	85	18	unit	unit	NOUN
gujaf-374	85	19	with	with	ADP
gujaf-374	85	20	emergent	emergent	ADJ
gujaf-374	85	21	properties	property	NOUN
gujaf-374	85	22	(	(	PUNCT
gujaf-374	85	23	teye	teye	NOUN
gujaf-374	85	24	,	,	PUNCT
gujaf-374	85	25	teye	teye	NOUN
gujaf-374	85	26	&	&	CCONJ
gujaf-374	85	27	asiedu	asiedu	PROPN
gujaf-374	85	28	,	,	PUNCT
gujaf-374	85	29	2015	2015	NUM
gujaf-374	85	30	)	)	PUNCT
gujaf-374	85	31	,	,	PUNCT
gujaf-374	85	32	economic	economic	ADJ
gujaf-374	85	33	and	and	CCONJ
gujaf-374	85	34	legal	legal	ADJ
gujaf-374	85	35	frameworks	framework	NOUN
gujaf-374	85	36	.	.	PUNCT
gujaf-374	86	1	that	that	PRON
gujaf-374	86	2	is	be	AUX
gujaf-374	86	3	,	,	PUNCT
gujaf-374	86	4	financial	financial	ADJ
gujaf-374	86	5	sector	sector	NOUN
gujaf-374	86	6	can	can	AUX
gujaf-374	86	7	not	not	PART
gujaf-374	86	8	create	create	VERB
gujaf-374	86	9	a	a	DET
gujaf-374	86	10	housing	housing	NOUN
gujaf-374	86	11	market	market	NOUN
gujaf-374	86	12	until	until	SCONJ
gujaf-374	86	13	other	other	ADJ
gujaf-374	86	14	elements	element	NOUN
gujaf-374	86	15	,	,	PUNCT
gujaf-374	86	16	such	such	ADJ
gujaf-374	86	17	as	as	ADP
gujaf-374	86	18	quality	quality	NOUN
gujaf-374	86	19	institutions	institution	NOUN
gujaf-374	86	20	are	be	AUX
gujaf-374	86	21	effectively	effectively	ADV
gujaf-374	86	22	incorporated	incorporate	VERB
gujaf-374	86	23	.	.	PUNCT
gujaf-374	87	1	for	for	ADP
gujaf-374	87	2	example	example	NOUN
gujaf-374	87	3	,	,	PUNCT
gujaf-374	87	4	if	if	SCONJ
gujaf-374	87	5	mortgage	mortgage	NOUN
gujaf-374	87	6	banks	bank	NOUN
gujaf-374	87	7	require	require	VERB
gujaf-374	87	8	to	to	PART
gujaf-374	87	9	give	give	VERB
gujaf-374	87	10	housing	housing	NOUN
gujaf-374	87	11	loans	loan	NOUN
gujaf-374	87	12	but	but	CCONJ
gujaf-374	87	13	the	the	DET
gujaf-374	87	14	land	land	NOUN
gujaf-374	87	15	title	title	NOUN
gujaf-374	87	16	registry	registry	NOUN
gujaf-374	87	17	is	be	AUX
gujaf-374	87	18	ineffective	ineffective	ADJ
gujaf-374	87	19	(	(	PUNCT
gujaf-374	87	20	regulatory	regulatory	ADJ
gujaf-374	87	21	framework	framework	NOUN
gujaf-374	87	22	)	)	PUNCT
gujaf-374	87	23	,	,	PUNCT
gujaf-374	87	24	then	then	ADV
gujaf-374	87	25	obviously	obviously	ADV
gujaf-374	87	26	the	the	DET
gujaf-374	87	27	housing	housing	NOUN
gujaf-374	87	28	(	(	PUNCT
gujaf-374	87	29	mortgage	mortgage	NOUN
gujaf-374	87	30	)	)	PUNCT
gujaf-374	87	31	market	market	NOUN
gujaf-374	87	32	will	will	AUX
gujaf-374	87	33	not	not	PART
gujaf-374	87	34	function	function	VERB
gujaf-374	87	35	.	.	PUNCT
gujaf-374	88	1	the	the	DET
gujaf-374	88	2	system	system	NOUN
gujaf-374	88	3	theory	theory	NOUN
gujaf-374	88	4	therefore	therefore	ADV
gujaf-374	88	5	gives	give	VERB
gujaf-374	88	6	theoretical	theoretical	ADJ
gujaf-374	88	7	validation	validation	NOUN
gujaf-374	88	8	to	to	ADP
gujaf-374	88	9	the	the	DET
gujaf-374	88	10	vitality	vitality	NOUN
gujaf-374	88	11	of	of	ADP
gujaf-374	88	12	institutional	institutional	ADJ
gujaf-374	88	13	factors	factor	NOUN
gujaf-374	88	14	and	and	CCONJ
gujaf-374	88	15	finance	finance	NOUN
gujaf-374	88	16	as	as	ADP
gujaf-374	88	17	a	a	DET
gujaf-374	88	18	major	major	ADJ
gujaf-374	88	19	component	component	NOUN
gujaf-374	88	20	of	of	ADP
gujaf-374	88	21	a	a	DET
gujaf-374	88	22	well	well	ADV
gujaf-374	88	23	-	-	PUNCT
gujaf-374	88	24	functioning	function	VERB
gujaf-374	88	25	housing	housing	NOUN
gujaf-374	88	26	system	system	NOUN
gujaf-374	88	27	.	.	PUNCT
gujaf-374	89	1	(	(	PUNCT
gujaf-374	89	2	warnock	warnock	PROPN
gujaf-374	89	3	&	&	CCONJ
gujaf-374	89	4	warnock	warnock	PROPN
gujaf-374	89	5	,	,	PUNCT
gujaf-374	89	6	2008	2008	NUM
gujaf-374	89	7	)	)	PUNCT
gujaf-374	89	8	.	.	PUNCT
gujaf-374	90	1	3.0	3.0	NUM
gujaf-374	90	2	methodology	methodology	NOUN
gujaf-374	90	3	to	to	PART
gujaf-374	90	4	test	test	VERB
gujaf-374	90	5	the	the	DET
gujaf-374	90	6	research	research	NOUN
gujaf-374	90	7	hypothesis	hypothesis	NOUN
gujaf-374	90	8	,	,	PUNCT
gujaf-374	90	9	mortgage	mortgage	NOUN
gujaf-374	90	10	finance	finance	NOUN
gujaf-374	90	11	variables	variable	NOUN
gujaf-374	90	12	were	be	AUX
gujaf-374	90	13	adjusted	adjust	VERB
gujaf-374	90	14	for	for	ADP
gujaf-374	90	15	institutional	institutional	ADJ
gujaf-374	90	16	factors	factor	NOUN
gujaf-374	90	17	to	to	PART
gujaf-374	90	18	test	test	VERB
gujaf-374	90	19	for	for	ADP
gujaf-374	90	20	their	their	PRON
gujaf-374	90	21	interacting	interact	VERB
gujaf-374	90	22	effect	effect	NOUN
gujaf-374	90	23	on	on	ADP
gujaf-374	90	24	housing	housing	NOUN
gujaf-374	90	25	delivery	delivery	NOUN
gujaf-374	90	26	as	as	SCONJ
gujaf-374	90	27	follows	follow	VERB
gujaf-374	90	28	;	;	PUNCT
gujaf-374	90	29	ho1	ho1	NOUN
gujaf-374	90	30	:	:	PUNCT
gujaf-374	90	31	hdelt	hdelt	NOUN
gujaf-374	90	32	=	=	SYM
gujaf-374	90	33	αο+	αο+	X
gujaf-374	90	34	∑	∑	PUNCT
gujaf-374	90	35	α1mlt*govt	α1mlt*govt	SYM
gujaf-374	90	36	+	+	CCONJ
gujaf-374	90	37	mlt*rnvt	mlt*rnvt	NOUN
gujaf-374	90	38	+	+	CCONJ
gujaf-374	90	39	mlt*pstat	mlt*pstat	NOUN
gujaf-374	90	40	+	+	CCONJ
gujaf-374	90	41	mlt*corct	mlt*corct	NOUN
gujaf-374	90	42	+	+	CCONJ
gujaf-374	90	43	mlt*rolt	mlt*rolt	NOUN
gujaf-374	90	44	+	+	CCONJ
gujaf-374	90	45	∑	∑	ADP
gujaf-374	90	46	α2mintt*govt	α2mintt*govt	NOUN
gujaf-374	90	47	+	+	NUM
gujaf-374	90	48	mintt*rnvt	mintt*rnvt	NOUN
gujaf-374	90	49	+	+	CCONJ
gujaf-374	90	50	mintt*pstat	mintt*pstat	NOUN
gujaf-374	90	51	+	+	CCONJ
gujaf-374	90	52	mintt*corct	mintt*corct	NOUN
gujaf-374	90	53	+	+	CCONJ
gujaf-374	90	54	mintt*rolt	mintt*rolt	ADJ
gujaf-374	90	55	+	+	ADJ
gujaf-374	90	56	∑	∑	PROPN
gujaf-374	90	57	α3mequt*govt	α3mequt*govt	ADJ
gujaf-374	90	58	+	+	NUM
gujaf-374	90	59	mequt*rnvt	mequt*rnvt	NOUN
gujaf-374	90	60	+	+	CCONJ
gujaf-374	90	61	mequt*pstat	mequt*pstat	NOUN
gujaf-374	90	62	+	+	CCONJ
gujaf-374	90	63	mequt*corct	mequt*corct	NOUN
gujaf-374	90	64	+	+	CCONJ
gujaf-374	90	65	mequt*rolt	mequt*rolt	NOUN
gujaf-374	90	66	+	+	CCONJ
gujaf-374	90	67	𝛠t	𝛠t	PROPN
gujaf-374	90	68	…	…	NUM
gujaf-374	90	69	..	..	PUNCT
gujaf-374	90	70	eq	eq	ADP
gujaf-374	90	71	1	1	NUM
gujaf-374	91	1	where	where	SCONJ
gujaf-374	91	2	:	:	PUNCT
gujaf-374	91	3	hdel	hdel	NOUN
gujaf-374	91	4	=	=	PUNCT
gujaf-374	91	5	housing	housing	NOUN
gujaf-374	91	6	delivery	delivery	NOUN
gujaf-374	91	7	mloan	mloan	NOUN
gujaf-374	91	8	=	=	SYM
gujaf-374	91	9	mortgage	mortgage	NOUN
gujaf-374	91	10	loan	loan	NOUN
gujaf-374	91	11	mint	mint	NOUN
gujaf-374	91	12	=	=	PUNCT
gujaf-374	91	13	mortgage	mortgage	NOUN
gujaf-374	91	14	interest	interest	NOUN
gujaf-374	91	15	rate	rate	NOUN
gujaf-374	91	16	mequ	mequ	NOUN
gujaf-374	91	17	=	=	PROPN
gujaf-374	91	18	mortgage	mortgage	NOUN
gujaf-374	91	19	equity	equity	NOUN
gujaf-374	91	20	gov	gov	PROPN
gujaf-374	91	21	=	=	PROPN
gujaf-374	91	22	government	government	NOUN
gujaf-374	91	23	effectiveness	effectiveness	NOUN
gujaf-374	91	24	rnv	rnv	NOUN
gujaf-374	91	25	=	=	SYM
gujaf-374	91	26	regulatory	regulatory	ADJ
gujaf-374	91	27	environment	environment	NOUN
gujaf-374	91	28	psta	psta	NOUN
gujaf-374	91	29	=	=	PUNCT
gujaf-374	91	30	political	political	ADJ
gujaf-374	91	31	stability	stability	NOUN
gujaf-374	91	32	corc	corc	NOUN
gujaf-374	91	33	=	=	SYM
gujaf-374	91	34	corruption	corruption	NOUN
gujaf-374	91	35	control	control	NOUN
gujaf-374	91	36	rol	rol	NOUN
gujaf-374	91	37	=	=	PUNCT
gujaf-374	91	38	rule	rule	NOUN
gujaf-374	91	39	of	of	ADP
gujaf-374	91	40	law	law	NOUN
gujaf-374	91	41	gusau	gusau	ADJ
gujaf-374	91	42	journal	journal	NOUN
gujaf-374	91	43	of	of	ADP
gujaf-374	91	44	accounting	accounting	NOUN
gujaf-374	91	45	and	and	CCONJ
gujaf-374	91	46	finance	finance	NOUN
gujaf-374	91	47	,	,	PUNCT
gujaf-374	91	48	vol.6	vol.6	PROPN
gujaf-374	91	49	,	,	PUNCT
gujaf-374	91	50	issue	issue	NOUN
gujaf-374	91	51	1	1	NUM
gujaf-374	91	52	,	,	PUNCT
gujaf-374	91	53	april	april	PROPN
gujaf-374	91	54	,	,	PUNCT
gujaf-374	91	55	2025	2025	NUM
gujaf-374	91	56	143	143	NUM
gujaf-374	91	57	α	α	NOUN
gujaf-374	91	58	=	=	NOUN
gujaf-374	91	59	coefficient	coefficient	NOUN
gujaf-374	91	60	of	of	ADP
gujaf-374	91	61	estimators	estimator	NOUN
gujaf-374	91	62	t	t	NOUN
gujaf-374	91	63	=	=	SYM
gujaf-374	91	64	time	time	NOUN
gujaf-374	91	65	period	period	NOUN
gujaf-374	91	66	the	the	DET
gujaf-374	91	67	interaction	interaction	NOUN
gujaf-374	91	68	variables	variable	NOUN
gujaf-374	91	69	are	be	AUX
gujaf-374	91	70	then	then	ADV
gujaf-374	91	71	regressed	regress	VERB
gujaf-374	91	72	against	against	ADP
gujaf-374	91	73	the	the	DET
gujaf-374	91	74	dependent	dependent	ADJ
gujaf-374	91	75	variable	variable	NOUN
gujaf-374	91	76	using	use	VERB
gujaf-374	91	77	the	the	DET
gujaf-374	91	78	autoregressive	autoregressive	ADJ
gujaf-374	91	79	distribution	distribution	NOUN
gujaf-374	91	80	lag	lag	NOUN
gujaf-374	91	81	(	(	PUNCT
gujaf-374	91	82	ardl	ardl	NOUN
gujaf-374	91	83	)	)	PUNCT
gujaf-374	91	84	.	.	PUNCT
gujaf-374	92	1	the	the	DET
gujaf-374	92	2	paper	paper	NOUN
gujaf-374	92	3	adopts	adopt	VERB
gujaf-374	92	4	ardl	ardl	NOUN
gujaf-374	92	5	to	to	PART
gujaf-374	92	6	enable	enable	VERB
gujaf-374	92	7	analysis	analysis	NOUN
gujaf-374	92	8	of	of	ADP
gujaf-374	92	9	the	the	DET
gujaf-374	92	10	dynamic	dynamic	ADJ
gujaf-374	92	11	relationships	relationship	NOUN
gujaf-374	92	12	that	that	PRON
gujaf-374	92	13	exists	exist	VERB
gujaf-374	92	14	between	between	ADP
gujaf-374	92	15	the	the	DET
gujaf-374	92	16	time	time	NOUN
gujaf-374	92	17	series	series	PROPN
gujaf-374	92	18	data	data	PROPN
gujaf-374	92	19	,	,	PUNCT
gujaf-374	92	20	especially	especially	ADV
gujaf-374	92	21	as	as	SCONJ
gujaf-374	92	22	the	the	DET
gujaf-374	92	23	stationarity	stationarity	NOUN
gujaf-374	92	24	test	test	NOUN
gujaf-374	92	25	indicates	indicate	VERB
gujaf-374	92	26	they	they	PRON
gujaf-374	92	27	are	be	AUX
gujaf-374	92	28	not	not	PART
gujaf-374	92	29	stationary	stationary	ADJ
gujaf-374	92	30	at	at	ADP
gujaf-374	92	31	levels	level	NOUN
gujaf-374	92	32	(	(	PUNCT
gujaf-374	92	33	hurley	hurley	NOUN
gujaf-374	92	34	and	and	CCONJ
gujaf-374	92	35	papanikolaou	papanikolaou	NOUN
gujaf-374	92	36	,	,	PUNCT
gujaf-374	92	37	2021	2021	NUM
gujaf-374	92	38	)	)	PUNCT
gujaf-374	92	39	.	.	PUNCT
gujaf-374	93	1	it	it	PRON
gujaf-374	93	2	also	also	ADV
gujaf-374	93	3	enables	enable	VERB
gujaf-374	93	4	the	the	DET
gujaf-374	93	5	researcher	researcher	NOUN
gujaf-374	93	6	test	test	NOUN
gujaf-374	93	7	for	for	ADP
gujaf-374	93	8	cointegration	cointegration	NOUN
gujaf-374	93	9	among	among	ADP
gujaf-374	93	10	the	the	DET
gujaf-374	93	11	variables	variable	NOUN
gujaf-374	93	12	of	of	ADP
gujaf-374	93	13	interest	interest	NOUN
gujaf-374	93	14	.	.	PUNCT
gujaf-374	94	1	generation	generation	NOUN
gujaf-374	94	2	of	of	ADP
gujaf-374	94	3	interaction	interaction	NOUN
gujaf-374	94	4	variable	variable	NOUN
gujaf-374	94	5	by	by	ADP
gujaf-374	94	6	multiplying	multiply	VERB
gujaf-374	94	7	two	two	NUM
gujaf-374	94	8	or	or	CCONJ
gujaf-374	94	9	more	more	ADJ
gujaf-374	94	10	variables	variable	NOUN
gujaf-374	94	11	is	be	AUX
gujaf-374	94	12	rooted	root	VERB
gujaf-374	94	13	in	in	ADP
gujaf-374	94	14	statistical	statistical	ADJ
gujaf-374	94	15	literatures	literature	NOUN
gujaf-374	94	16	(	(	PUNCT
gujaf-374	94	17	cohen	cohen	PROPN
gujaf-374	94	18	,	,	PUNCT
gujaf-374	94	19	cohen	cohen	PROPN
gujaf-374	94	20	,	,	PUNCT
gujaf-374	94	21	west	west	PROPN
gujaf-374	94	22	and	and	CCONJ
gujaf-374	94	23	aiken	aiken	PROPN
gujaf-374	94	24	,	,	PUNCT
gujaf-374	94	25	2003	2003	NUM
gujaf-374	94	26	)	)	PUNCT
gujaf-374	94	27	.	.	PUNCT
gujaf-374	95	1	the	the	DET
gujaf-374	95	2	ardl	ardl	NOUN
gujaf-374	95	3	model	model	NOUN
gujaf-374	95	4	is	be	AUX
gujaf-374	95	5	thus	thus	ADV
gujaf-374	95	6	written	write	VERB
gujaf-374	95	7	as	as	ADP
gujaf-374	95	8	:	:	PUNCT
gujaf-374	95	9	∆lnhdel(t	∆lnhdel(t	NOUN
gujaf-374	95	10	)	)	PUNCT
gujaf-374	95	11	=	=	SYM
gujaf-374	95	12	δ0	δ0	NOUN
gujaf-374	95	13	+	+	CCONJ
gujaf-374	95	14	α1∆lnhdel(t-1	α1∆lnhdel(t-1	NUM
gujaf-374	95	15	)	)	PUNCT
gujaf-374	95	16	+	+	ADJ
gujaf-374	95	17	α2∆lnhdel(t-2	α2∆lnhdel(t-2	NUM
gujaf-374	95	18	)	)	PUNCT
gujaf-374	95	19	+	+	NUM
gujaf-374	95	20	α3∆instmloan(t	α3∆instmloan(t	NUM
gujaf-374	95	21	)	)	PUNCT
gujaf-374	95	22	+	+	CCONJ
gujaf-374	96	1	α4∆instmloan(t-1	α4∆instmloan(t-1	NUM
gujaf-374	96	2	)	)	PUNCT
gujaf-374	97	1	+	+	ADJ
gujaf-374	97	2	α5∆instmloan(t-2	α5∆instmloan(t-2	NOUN
gujaf-374	97	3	)	)	PUNCT
gujaf-374	97	4	+	+	NUM
gujaf-374	97	5	α6∆instmint(t	α6∆instmint(t	NOUN
gujaf-374	97	6	)	)	PUNCT
gujaf-374	98	1	+	+	NUM
gujaf-374	98	2	α7∆instmequ(t	α7∆instmequ(t	NOUN
gujaf-374	98	3	)	)	PUNCT
gujaf-374	99	1	+	+	CCONJ
gujaf-374	99	2	α8∆instmequ(t-1	α8∆instmequ(t-1	PROPN
gujaf-374	99	3	)	)	PUNCT
gujaf-374	100	1	+	+	CCONJ
gujaf-374	100	2	δ1lnhdel(t-1	δ1lnhdel(t-1	PROPN
gujaf-374	100	3	)	)	PUNCT
gujaf-374	100	4	+	+	NUM
gujaf-374	100	5	δ2lnhdel(t-2	δ2lnhdel(t-2	NUM
gujaf-374	100	6	)	)	PUNCT
gujaf-374	101	1	+	+	NUM
gujaf-374	102	1	δ3instmloan(t	δ3instmloan(t	X
gujaf-374	102	2	)	)	PUNCT
gujaf-374	102	3	+	+	NUM
gujaf-374	102	4	δ4instmloan(t-1	δ4instmloan(t-1	NOUN
gujaf-374	102	5	)	)	PUNCT
gujaf-374	102	6	+	+	SYM
gujaf-374	102	7	δ5instmloan(t-2	δ5instmloan(t-2	PROPN
gujaf-374	102	8	)	)	PUNCT
gujaf-374	102	9	+	+	NUM
gujaf-374	102	10	δ6instmint(t	δ6instmint(t	NOUN
gujaf-374	102	11	)	)	PUNCT
gujaf-374	102	12	+	+	X
gujaf-374	102	13	δ7instmequ(t	δ7instmequ(t	NUM
gujaf-374	102	14	)	)	PUNCT
gujaf-374	102	15	+	+	NUM
gujaf-374	102	16	δ8instmequ(t-1	δ8instmequ(t-1	PROPN
gujaf-374	102	17	)	)	PUNCT
gujaf-374	102	18	+	+	CCONJ
gujaf-374	102	19	εt	εt	PROPN
gujaf-374	102	20	…	…	PUNCT
gujaf-374	102	21	…	…	PUNCT
gujaf-374	102	22	..	..	PUNCT
gujaf-374	102	23	eq2	eq2	NOUN
gujaf-374	102	24	where	where	SCONJ
gujaf-374	102	25	:	:	PUNCT
gujaf-374	102	26	lnhdel(t	lnhdel(t	NOUN
gujaf-374	102	27	)	)	PUNCT
gujaf-374	102	28	is	be	AUX
gujaf-374	102	29	the	the	DET
gujaf-374	102	30	dependent	dependent	ADJ
gujaf-374	102	31	variable	variable	NOUN
gujaf-374	102	32	at	at	ADP
gujaf-374	102	33	time	time	NOUN
gujaf-374	102	34	t.	t.	PROPN
gujaf-374	102	35	lnhdel(t-1	lnhdel(t-1	PROPN
gujaf-374	102	36	)	)	PUNCT
gujaf-374	102	37	and	and	CCONJ
gujaf-374	102	38	lnhdel(t-2	lnhdel(t-2	PROPN
gujaf-374	102	39	)	)	PUNCT
gujaf-374	102	40	are	be	AUX
gujaf-374	102	41	the	the	DET
gujaf-374	102	42	lagged	lag	VERB
gujaf-374	102	43	values	value	NOUN
gujaf-374	102	44	of	of	ADP
gujaf-374	102	45	the	the	DET
gujaf-374	102	46	dependent	dependent	ADJ
gujaf-374	102	47	variable	variable	NOUN
gujaf-374	102	48	(	(	PUNCT
gujaf-374	102	49	housing	housing	NOUN
gujaf-374	102	50	delivery	delivery	NOUN
gujaf-374	102	51	)	)	PUNCT
gujaf-374	102	52	.	.	PUNCT
gujaf-374	103	1	instmloan(t	instmloan(t	NUM
gujaf-374	103	2	)	)	PUNCT
gujaf-374	103	3	,	,	PUNCT
gujaf-374	103	4	instmloan(t-1	instmloan(t-1	PROPN
gujaf-374	103	5	)	)	PUNCT
gujaf-374	103	6	,	,	PUNCT
gujaf-374	103	7	and	and	CCONJ
gujaf-374	103	8	instmloan(t-2	instmloan(t-2	PROPN
gujaf-374	103	9	)	)	PUNCT
gujaf-374	103	10	are	be	AUX
gujaf-374	103	11	the	the	DET
gujaf-374	103	12	current	current	ADJ
gujaf-374	103	13	and	and	CCONJ
gujaf-374	103	14	lagged	lag	VERB
gujaf-374	103	15	values	value	NOUN
gujaf-374	103	16	of	of	ADP
gujaf-374	103	17	mortgage	mortgage	NOUN
gujaf-374	103	18	loan	loan	NOUN
gujaf-374	103	19	and	and	CCONJ
gujaf-374	103	20	institutional	institutional	ADJ
gujaf-374	103	21	factors	factor	NOUN
gujaf-374	103	22	interaction	interaction	NOUN
gujaf-374	103	23	(	(	PUNCT
gujaf-374	103	24	independent	independent	ADJ
gujaf-374	103	25	)	)	PUNCT
gujaf-374	103	26	variable	variable	NOUN
gujaf-374	103	27	.	.	PUNCT
gujaf-374	104	1	instmint(t	instmint(t	NOUN
gujaf-374	104	2	)	)	PUNCT
gujaf-374	104	3	is	be	AUX
gujaf-374	104	4	the	the	DET
gujaf-374	104	5	current	current	ADJ
gujaf-374	104	6	value	value	NOUN
gujaf-374	104	7	of	of	ADP
gujaf-374	104	8	mortgage	mortgage	NOUN
gujaf-374	104	9	interest	interest	NOUN
gujaf-374	104	10	and	and	CCONJ
gujaf-374	104	11	institutional	institutional	ADJ
gujaf-374	104	12	factors	factor	NOUN
gujaf-374	104	13	interaction	interaction	NOUN
gujaf-374	104	14	(	(	PUNCT
gujaf-374	104	15	independent	independent	ADJ
gujaf-374	104	16	)	)	PUNCT
gujaf-374	104	17	variable	variable	NOUN
gujaf-374	104	18	.	.	PUNCT
gujaf-374	105	1	instmequ(t	instmequ(t	NOUN
gujaf-374	105	2	)	)	PUNCT
gujaf-374	105	3	and	and	CCONJ
gujaf-374	105	4	instmequ(t-1	instmequ(t-1	NOUN
gujaf-374	105	5	)	)	PUNCT
gujaf-374	105	6	are	be	AUX
gujaf-374	105	7	the	the	DET
gujaf-374	105	8	current	current	ADJ
gujaf-374	105	9	and	and	CCONJ
gujaf-374	105	10	lagged	lag	VERB
gujaf-374	105	11	values	value	NOUN
gujaf-374	105	12	of	of	ADP
gujaf-374	105	13	mortgage	mortgage	NOUN
gujaf-374	105	14	equity	equity	NOUN
gujaf-374	105	15	and	and	CCONJ
gujaf-374	105	16	institutional	institutional	ADJ
gujaf-374	105	17	factors	factor	NOUN
gujaf-374	105	18	interaction	interaction	NOUN
gujaf-374	105	19	(	(	PUNCT
gujaf-374	105	20	independent	independent	ADJ
gujaf-374	105	21	)	)	PUNCT
gujaf-374	105	22	variable	variable	NOUN
gujaf-374	105	23	.	.	PUNCT
gujaf-374	106	1	εt	εt	PROPN
gujaf-374	106	2	is	be	AUX
gujaf-374	106	3	the	the	DET
gujaf-374	106	4	error	error	NOUN
gujaf-374	106	5	term	term	NOUN
gujaf-374	106	6	at	at	ADP
gujaf-374	106	7	time	time	NOUN
gujaf-374	106	8	t.	t.	PROPN
gujaf-374	106	9	∆	∆	PROPN
gujaf-374	106	10	is	be	AUX
gujaf-374	106	11	the	the	DET
gujaf-374	106	12	change	change	NOUN
gujaf-374	106	13	in	in	ADP
gujaf-374	106	14	variables	variable	NOUN
gujaf-374	106	15	over	over	ADP
gujaf-374	106	16	the	the	DET
gujaf-374	106	17	past	past	ADJ
gujaf-374	106	18	years	year	NOUN
gujaf-374	106	19	.	.	PUNCT
gujaf-374	107	1	α0	α0	ADJ
gujaf-374	107	2	,	,	PUNCT
gujaf-374	107	3	α1	α1	PROPN
gujaf-374	107	4	,	,	PUNCT
gujaf-374	107	5	α2	α2	ADJ
gujaf-374	107	6	,	,	PUNCT
gujaf-374	107	7	...	...	PUNCT
gujaf-374	107	8	,	,	PUNCT
gujaf-374	107	9	α7	α7	NOUN
gujaf-374	107	10	are	be	AUX
gujaf-374	107	11	the	the	DET
gujaf-374	107	12	coefficients	coefficient	NOUN
gujaf-374	107	13	of	of	ADP
gujaf-374	107	14	the	the	DET
gujaf-374	107	15	short	short	ADJ
gujaf-374	107	16	run	run	NOUN
gujaf-374	107	17	dynamic	dynamic	ADJ
gujaf-374	107	18	.	.	PUNCT
gujaf-374	108	1	δ1	δ1	NOUN
gujaf-374	108	2	,	,	PUNCT
gujaf-374	108	3	δ2	δ2	VERB
gujaf-374	108	4	,	,	PUNCT
gujaf-374	108	5	δ3	δ3	PROPN
gujaf-374	108	6	,	,	PUNCT
gujaf-374	108	7	…	…	PUNCT
gujaf-374	108	8	.	.	PUNCT
gujaf-374	109	1	δ8	δ8	NOUN
gujaf-374	109	2	are	be	AUX
gujaf-374	109	3	the	the	DET
gujaf-374	109	4	coefficients	coefficient	NOUN
gujaf-374	109	5	of	of	ADP
gujaf-374	109	6	the	the	DET
gujaf-374	109	7	long	long	ADJ
gujaf-374	109	8	run	run	ADJ
gujaf-374	109	9	dynamic	dynamic	ADJ
gujaf-374	109	10	estimation	estimation	NOUN
gujaf-374	109	11	technique	technique	NOUN
gujaf-374	109	12	this	this	DET
gujaf-374	109	13	study	study	NOUN
gujaf-374	109	14	employs	employ	VERB
gujaf-374	109	15	time	time	NOUN
gujaf-374	109	16	series	series	PROPN
gujaf-374	109	17	data	datum	NOUN
gujaf-374	109	18	that	that	PRON
gujaf-374	109	19	covers	cover	VERB
gujaf-374	109	20	a	a	DET
gujaf-374	109	21	period	period	NOUN
gujaf-374	109	22	of	of	ADP
gujaf-374	109	23	17	17	NUM
gujaf-374	109	24	years	year	NOUN
gujaf-374	109	25	(	(	PUNCT
gujaf-374	109	26	2005	2005	NUM
gujaf-374	109	27	-	-	SYM
gujaf-374	109	28	2022	2022	NUM
gujaf-374	109	29	)	)	PUNCT
gujaf-374	109	30	,	,	PUNCT
gujaf-374	109	31	transformed	transform	VERB
gujaf-374	109	32	to	to	ADP
gujaf-374	109	33	quarterly	quarterly	ADJ
gujaf-374	109	34	data	datum	NOUN
gujaf-374	109	35	to	to	PART
gujaf-374	109	36	obtain	obtain	VERB
gujaf-374	109	37	68	68	NUM
gujaf-374	109	38	observations	observation	NOUN
gujaf-374	109	39	.	.	PUNCT
gujaf-374	110	1	a	a	DET
gujaf-374	110	2	number	number	NOUN
gujaf-374	110	3	of	of	ADP
gujaf-374	110	4	diagnostic	diagnostic	ADJ
gujaf-374	110	5	tests	test	NOUN
gujaf-374	110	6	were	be	AUX
gujaf-374	110	7	conducted	conduct	VERB
gujaf-374	110	8	prior	prior	ADV
gujaf-374	110	9	to	to	ADP
gujaf-374	110	10	the	the	DET
gujaf-374	110	11	estimation	estimation	NOUN
gujaf-374	110	12	of	of	ADP
gujaf-374	110	13	the	the	DET
gujaf-374	110	14	specified	specified	ADJ
gujaf-374	110	15	model	model	NOUN
gujaf-374	110	16	,	,	PUNCT
gujaf-374	110	17	they	they	PRON
gujaf-374	110	18	include	include	VERB
gujaf-374	110	19	unit	unit	NOUN
gujaf-374	110	20	root	root	PROPN
gujaf-374	110	21	test	test	NOUN
gujaf-374	110	22	,	,	PUNCT
gujaf-374	110	23	lag	lag	NOUN
gujaf-374	110	24	length	length	NOUN
gujaf-374	110	25	selection	selection	NOUN
gujaf-374	110	26	and	and	CCONJ
gujaf-374	110	27	bound	bind	VERB
gujaf-374	110	28	test	test	NOUN
gujaf-374	110	29	.	.	PUNCT
gujaf-374	111	1	model	model	NOUN
gujaf-374	111	2	estimation	estimation	NOUN
gujaf-374	111	3	was	be	AUX
gujaf-374	111	4	carried	carry	VERB
gujaf-374	111	5	out	out	ADP
gujaf-374	111	6	using	use	VERB
gujaf-374	111	7	autoregressive	autoregressive	ADJ
gujaf-374	111	8	distributive	distributive	ADJ
gujaf-374	111	9	lag	lag	NOUN
gujaf-374	111	10	(	(	PUNCT
gujaf-374	111	11	ardl	ardl	NOUN
gujaf-374	111	12	)	)	PUNCT
gujaf-374	111	13	regression	regression	NOUN
gujaf-374	111	14	analytical	analytical	ADJ
gujaf-374	111	15	technique	technique	NOUN
gujaf-374	111	16	.	.	PUNCT
gujaf-374	112	1	the	the	DET
gujaf-374	112	2	autoregressive	autoregressive	ADJ
gujaf-374	112	3	distributed	distribute	VERB
gujaf-374	112	4	lag	lag	NOUN
gujaf-374	112	5	(	(	PUNCT
gujaf-374	112	6	ardl	ardl	NOUN
gujaf-374	112	7	)	)	PUNCT
gujaf-374	112	8	model	model	NOUN
gujaf-374	112	9	is	be	AUX
gujaf-374	112	10	a	a	DET
gujaf-374	112	11	widely	widely	ADV
gujaf-374	112	12	used	use	VERB
gujaf-374	112	13	method	method	NOUN
gujaf-374	112	14	for	for	ADP
gujaf-374	112	15	analyzing	analyze	VERB
gujaf-374	112	16	time	time	NOUN
gujaf-374	112	17	series	series	PROPN
gujaf-374	112	18	data	datum	NOUN
gujaf-374	112	19	relationships	relationship	NOUN
gujaf-374	112	20	,	,	PUNCT
gujaf-374	112	21	thus	thus	ADV
gujaf-374	112	22	suited	suit	VERB
gujaf-374	112	23	for	for	ADP
gujaf-374	112	24	this	this	DET
gujaf-374	112	25	research	research	NOUN
gujaf-374	112	26	.	.	PUNCT
gujaf-374	113	1	it	it	PRON
gujaf-374	113	2	allows	allow	VERB
gujaf-374	113	3	for	for	ADP
gujaf-374	113	4	simultaneous	simultaneous	ADJ
gujaf-374	113	5	estimation	estimation	NOUN
gujaf-374	113	6	of	of	ADP
gujaf-374	113	7	long	long	ADV
gujaf-374	113	8	-	-	PUNCT
gujaf-374	113	9	run	run	VERB
gujaf-374	113	10	and	and	CCONJ
gujaf-374	113	11	short	short	ADJ
gujaf-374	113	12	-	-	PUNCT
gujaf-374	113	13	run	run	NOUN
gujaf-374	113	14	relationships	relationship	NOUN
gujaf-374	113	15	and	and	CCONJ
gujaf-374	113	16	ideal	ideal	NOUN
gujaf-374	113	17	for	for	ADP
gujaf-374	113	18	small	small	ADJ
gujaf-374	113	19	samples	sample	NOUN
gujaf-374	113	20	,	,	PUNCT
gujaf-374	113	21	in	in	ADP
gujaf-374	113	22	practical	practical	ADJ
gujaf-374	113	23	scenarios	scenario	NOUN
gujaf-374	113	24	.	.	PUNCT
gujaf-374	114	1	the	the	DET
gujaf-374	114	2	estimation	estimation	NOUN
gujaf-374	114	3	procedure	procedure	NOUN
gujaf-374	114	4	includes	include	VERB
gujaf-374	114	5	stationarity	stationarity	NOUN
gujaf-374	114	6	test	test	NOUN
gujaf-374	114	7	,	,	PUNCT
gujaf-374	114	8	optimal	optimal	ADJ
gujaf-374	114	9	lag	lag	NOUN
gujaf-374	114	10	length	length	NOUN
gujaf-374	114	11	selection	selection	NOUN
gujaf-374	114	12	and	and	CCONJ
gujaf-374	114	13	bound	bind	VERB
gujaf-374	114	14	test	test	NOUN
gujaf-374	114	15	,	,	PUNCT
gujaf-374	114	16	before	before	ADP
gujaf-374	114	17	estimating	estimate	VERB
gujaf-374	114	18	the	the	DET
gujaf-374	114	19	coefficients	coefficient	NOUN
gujaf-374	114	20	.	.	PUNCT
gujaf-374	115	1	gusau	gusau	ADJ
gujaf-374	115	2	journal	journal	PROPN
gujaf-374	115	3	of	of	ADP
gujaf-374	115	4	accounting	accounting	NOUN
gujaf-374	115	5	and	and	CCONJ
gujaf-374	115	6	finance	finance	NOUN
gujaf-374	115	7	,	,	PUNCT
gujaf-374	115	8	vol.6	vol.6	PROPN
gujaf-374	115	9	,	,	PUNCT
gujaf-374	115	10	issue	issue	NOUN
gujaf-374	115	11	1	1	NUM
gujaf-374	115	12	,	,	PUNCT
gujaf-374	115	13	april	april	PROPN
gujaf-374	115	14	,	,	PUNCT
gujaf-374	115	15	2025	2025	NUM
gujaf-374	115	16	144	144	NUM
gujaf-374	115	17	4.0	4.0	NUM
gujaf-374	115	18	results	result	NOUN
gujaf-374	115	19	table	table	NOUN
gujaf-374	115	20	1	1	NUM
gujaf-374	115	21	:	:	PUNCT
gujaf-374	115	22	adf	adf	PROPN
gujaf-374	115	23	unit	unit	NOUN
gujaf-374	115	24	root	root	PROPN
gujaf-374	115	25	test	test	NOUN
gujaf-374	115	26	method	method	PROPN
gujaf-374	115	27	statistic	statistic	NOUN
gujaf-374	115	28	prob	prob	NOUN
gujaf-374	115	29	.	.	PUNCT
gujaf-374	116	1	*	*	PUNCT
gujaf-374	116	2	*	*	PROPN
gujaf-374	116	3	adf	adf	PROPN
gujaf-374	116	4	fisher	fisher	PROPN
gujaf-374	116	5	chi	chi	PROPN
gujaf-374	116	6	-	-	PUNCT
gujaf-374	116	7	square	square	NOUN
gujaf-374	116	8	49.5027	49.5027	NUM
gujaf-374	116	9	0.0073	0.0073	NUM
gujaf-374	116	10	adf	adf	PROPN
gujaf-374	116	11	choi	choi	PROPN
gujaf-374	116	12	z	z	PROPN
gujaf-374	116	13	-	-	PUNCT
gujaf-374	116	14	stat	stat	NOUN
gujaf-374	116	15	-2.31235	-2.31235	VERB
gujaf-374	116	16	0.0104	0.0104	NUM
gujaf-374	116	17	intermediate	intermediate	ADJ
gujaf-374	116	18	adf	adf	PROPN
gujaf-374	116	19	test	test	NOUN
gujaf-374	116	20	results	results	PROPN
gujaf-374	116	21	series	series	PROPN
gujaf-374	116	22	prob	prob	PROPN
gujaf-374	116	23	.	.	PUNCT
gujaf-374	117	1	lag	lag	PROPN
gujaf-374	117	2	max	max	PROPN
gujaf-374	117	3	lag	lag	PROPN
gujaf-374	117	4	obs	obs	PROPN
gujaf-374	117	5	lnhdel	lnhdel	PROPN
gujaf-374	117	6	0.2813	0.2813	NUM
gujaf-374	117	7	1	1	NUM
gujaf-374	117	8	1	1	NUM
gujaf-374	117	9	67	67	NUM
gujaf-374	117	10	lnmloan	lnmloan	NOUN
gujaf-374	117	11	0.3541	0.3541	NUM
gujaf-374	117	12	1	1	NUM
gujaf-374	117	13	1	1	NUM
gujaf-374	117	14	67	67	NUM
gujaf-374	117	15	lnmequ	lnmequ	NOUN
gujaf-374	117	16	0.1304	0.1304	NUM
gujaf-374	117	17	1	1	NUM
gujaf-374	117	18	1	1	NUM
gujaf-374	117	19	67	67	NUM
gujaf-374	117	20	lnmint	lnmint	NOUN
gujaf-374	117	21	0.0034	0.0034	NUM
gujaf-374	117	22	1	1	NUM
gujaf-374	117	23	1	1	NUM
gujaf-374	117	24	67	67	NUM
gujaf-374	117	25	gov	gov	NOUN
gujaf-374	117	26	0.0463	0.0463	NUM
gujaf-374	117	27	1	1	NUM
gujaf-374	117	28	1	1	NUM
gujaf-374	117	29	67	67	NUM
gujaf-374	117	30	corc	corc	VERB
gujaf-374	117	31	0.1931	0.1931	NUM
gujaf-374	117	32	1	1	NUM
gujaf-374	117	33	1	1	NUM
gujaf-374	117	34	67	67	NUM
gujaf-374	117	35	pstab	pstab	NOUN
gujaf-374	117	36	0.1697	0.1697	NUM
gujaf-374	117	37	1	1	NUM
gujaf-374	117	38	1	1	NUM
gujaf-374	117	39	67	67	NUM
gujaf-374	117	40	rev	rev	VERB
gujaf-374	117	41	0.9325	0.9325	NUM
gujaf-374	117	42	1	1	NUM
gujaf-374	117	43	1	1	NUM
gujaf-374	117	44	67	67	NUM
gujaf-374	117	45	rol	rol	NOUN
gujaf-374	117	46	0.7852	0.7852	NUM
gujaf-374	117	47	1	1	NUM
gujaf-374	117	48	1	1	NUM
gujaf-374	117	49	67	67	NUM
gujaf-374	117	50	vac	vac	NOUN
gujaf-374	117	51	0.6895	0.6895	NUM
gujaf-374	117	52	1	1	NUM
gujaf-374	117	53	1	1	NUM
gujaf-374	117	54	67	67	NUM
gujaf-374	117	55	source	source	NOUN
gujaf-374	117	56	:	:	PUNCT
gujaf-374	117	57	author	author	NOUN
gujaf-374	117	58	’s	’s	PART
gujaf-374	117	59	computation	computation	NOUN
gujaf-374	117	60	(	(	PUNCT
gujaf-374	117	61	2025	2025	NUM
gujaf-374	117	62	)	)	PUNCT
gujaf-374	117	63	.	.	PUNCT
gujaf-374	118	1	the	the	DET
gujaf-374	118	2	above	above	ADJ
gujaf-374	118	3	table	table	NOUN
gujaf-374	118	4	shows	show	VERB
gujaf-374	118	5	the	the	DET
gujaf-374	118	6	result	result	NOUN
gujaf-374	118	7	of	of	ADP
gujaf-374	118	8	the	the	DET
gujaf-374	118	9	augmented	augment	VERB
gujaf-374	118	10	dickey	dickey	NOUN
gujaf-374	118	11	-	-	PUNCT
gujaf-374	118	12	fuller	full	ADJ
gujaf-374	118	13	(	(	PUNCT
gujaf-374	118	14	adf	adf	NOUN
gujaf-374	118	15	)	)	PUNCT
gujaf-374	118	16	test	test	NOUN
gujaf-374	118	17	,	,	PUNCT
gujaf-374	118	18	which	which	PRON
gujaf-374	118	19	is	be	AUX
gujaf-374	118	20	used	use	VERB
gujaf-374	118	21	to	to	PART
gujaf-374	118	22	determine	determine	VERB
gujaf-374	118	23	if	if	SCONJ
gujaf-374	118	24	a	a	DET
gujaf-374	118	25	time	time	NOUN
gujaf-374	118	26	series	series	NOUN
gujaf-374	118	27	is	be	AUX
gujaf-374	118	28	stationary	stationary	ADJ
gujaf-374	118	29	or	or	CCONJ
gujaf-374	118	30	has	have	VERB
gujaf-374	118	31	a	a	DET
gujaf-374	118	32	unit	unit	NOUN
gujaf-374	118	33	root	root	NOUN
gujaf-374	118	34	.	.	PUNCT
gujaf-374	119	1	the	the	DET
gujaf-374	119	2	test	test	NOUN
gujaf-374	119	3	is	be	AUX
gujaf-374	119	4	used	use	VERB
gujaf-374	119	5	to	to	PART
gujaf-374	119	6	examine	examine	VERB
gujaf-374	119	7	the	the	DET
gujaf-374	119	8	null	null	ADJ
gujaf-374	119	9	hypothesis	hypothesis	NOUN
gujaf-374	119	10	that	that	PRON
gujaf-374	119	11	a	a	DET
gujaf-374	119	12	series	series	NOUN
gujaf-374	119	13	has	have	VERB
gujaf-374	119	14	a	a	DET
gujaf-374	119	15	unit	unit	NOUN
gujaf-374	119	16	root	root	NOUN
gujaf-374	119	17	(	(	PUNCT
gujaf-374	119	18	i.e.	i.e.	X
gujaf-374	119	19	,	,	PUNCT
gujaf-374	119	20	it	it	PRON
gujaf-374	119	21	is	be	AUX
gujaf-374	119	22	non	non	ADJ
gujaf-374	119	23	-	-	ADJ
gujaf-374	119	24	stationary	stationary	ADJ
gujaf-374	119	25	)	)	PUNCT
gujaf-374	119	26	against	against	ADP
gujaf-374	119	27	the	the	DET
gujaf-374	119	28	alternative	alternative	ADJ
gujaf-374	119	29	hypothesis	hypothesis	NOUN
gujaf-374	119	30	that	that	PRON
gujaf-374	119	31	the	the	DET
gujaf-374	119	32	series	series	NOUN
gujaf-374	119	33	is	be	AUX
gujaf-374	119	34	stationary	stationary	ADJ
gujaf-374	119	35	.	.	PUNCT
gujaf-374	120	1	the	the	DET
gujaf-374	120	2	adf	adf	PROPN
gujaf-374	120	3	fisher	fisher	PROPN
gujaf-374	120	4	chi	chi	PROPN
gujaf-374	120	5	-	-	PUNCT
gujaf-374	120	6	square	square	PROPN
gujaf-374	120	7	is	be	AUX
gujaf-374	120	8	49.5027	49.5027	NUM
gujaf-374	120	9	,	,	PUNCT
gujaf-374	120	10	with	with	ADP
gujaf-374	120	11	a	a	DET
gujaf-374	120	12	p	p	NOUN
gujaf-374	120	13	-	-	PUNCT
gujaf-374	120	14	value	value	NOUN
gujaf-374	120	15	of	of	ADP
gujaf-374	120	16	0.0073	0.0073	NUM
gujaf-374	120	17	,	,	PUNCT
gujaf-374	120	18	while	while	SCONJ
gujaf-374	120	19	the	the	DET
gujaf-374	120	20	choi	choi	NOUN
gujaf-374	120	21	z	z	NOUN
gujaf-374	120	22	-	-	PUNCT
gujaf-374	120	23	stat	stat	PROPN
gujaf-374	120	24	is	be	AUX
gujaf-374	120	25	-2.31235	-2.31235	ADJ
gujaf-374	120	26	,	,	PUNCT
gujaf-374	120	27	with	with	ADP
gujaf-374	120	28	a	a	DET
gujaf-374	120	29	p	p	NOUN
gujaf-374	120	30	-	-	PUNCT
gujaf-374	120	31	value	value	NOUN
gujaf-374	120	32	of	of	ADP
gujaf-374	120	33	0.0104	0.0104	NUM
gujaf-374	120	34	.	.	PUNCT
gujaf-374	121	1	the	the	DET
gujaf-374	121	2	p	p	NOUN
gujaf-374	121	3	-	-	PUNCT
gujaf-374	121	4	values	value	NOUN
gujaf-374	121	5	are	be	AUX
gujaf-374	121	6	used	use	VERB
gujaf-374	121	7	to	to	PART
gujaf-374	121	8	determine	determine	VERB
gujaf-374	121	9	whether	whether	SCONJ
gujaf-374	121	10	the	the	DET
gujaf-374	121	11	null	null	ADJ
gujaf-374	121	12	hypothesis	hypothesis	NOUN
gujaf-374	121	13	can	can	AUX
gujaf-374	121	14	be	be	AUX
gujaf-374	121	15	rejected	reject	VERB
gujaf-374	121	16	.	.	PUNCT
gujaf-374	122	1	since	since	SCONJ
gujaf-374	122	2	the	the	DET
gujaf-374	122	3	p	p	NOUN
gujaf-374	122	4	-	-	PUNCT
gujaf-374	122	5	value	value	NOUN
gujaf-374	122	6	is	be	AUX
gujaf-374	122	7	less	less	ADJ
gujaf-374	122	8	than	than	ADP
gujaf-374	122	9	the	the	DET
gujaf-374	122	10	5	5	NUM
gujaf-374	122	11	%	%	NOUN
gujaf-374	122	12	level	level	NOUN
gujaf-374	122	13	of	of	ADP
gujaf-374	122	14	significance	significance	NOUN
gujaf-374	122	15	,	,	PUNCT
gujaf-374	122	16	the	the	DET
gujaf-374	122	17	null	null	ADJ
gujaf-374	122	18	hypothesis	hypothesis	NOUN
gujaf-374	122	19	is	be	AUX
gujaf-374	122	20	rejected	reject	VERB
gujaf-374	122	21	,	,	PUNCT
gujaf-374	122	22	and	and	CCONJ
gujaf-374	122	23	the	the	DET
gujaf-374	122	24	series	series	NOUN
gujaf-374	122	25	is	be	AUX
gujaf-374	122	26	considered	consider	VERB
gujaf-374	122	27	to	to	PART
gujaf-374	122	28	be	be	AUX
gujaf-374	122	29	stationary	stationary	ADJ
gujaf-374	122	30	.	.	PUNCT
gujaf-374	123	1	however	however	ADV
gujaf-374	123	2	,	,	PUNCT
gujaf-374	123	3	the	the	DET
gujaf-374	123	4	results	result	NOUN
gujaf-374	123	5	indicate	indicate	VERB
gujaf-374	123	6	that	that	SCONJ
gujaf-374	123	7	some	some	DET
gujaf-374	123	8	series	series	NOUN
gujaf-374	123	9	individually	individually	ADV
gujaf-374	123	10	have	have	VERB
gujaf-374	123	11	a	a	DET
gujaf-374	123	12	p	p	NOUN
gujaf-374	123	13	-	-	PUNCT
gujaf-374	123	14	value	value	NOUN
gujaf-374	123	15	less	less	ADJ
gujaf-374	123	16	than	than	ADP
gujaf-374	123	17	0.05	0.05	NUM
gujaf-374	123	18	,	,	PUNCT
gujaf-374	123	19	indicating	indicate	VERB
gujaf-374	123	20	that	that	SCONJ
gujaf-374	123	21	they	they	PRON
gujaf-374	123	22	stationary	stationary	VERB
gujaf-374	123	23	.	.	PUNCT
gujaf-374	124	1	specifically	specifically	ADV
gujaf-374	124	2	,	,	PUNCT
gujaf-374	124	3	mortgage	mortgage	NOUN
gujaf-374	124	4	interest	interest	NOUN
gujaf-374	124	5	(	(	PUNCT
gujaf-374	124	6	lnmint	lnmint	PROPN
gujaf-374	124	7	)	)	PUNCT
gujaf-374	124	8	has	have	VERB
gujaf-374	124	9	a	a	DET
gujaf-374	124	10	p	p	NOUN
gujaf-374	124	11	-	-	PUNCT
gujaf-374	124	12	value	value	NOUN
gujaf-374	124	13	of	of	ADP
gujaf-374	124	14	0.0034	0.0034	NUM
gujaf-374	124	15	(	(	PUNCT
gujaf-374	124	16	<	<	X
gujaf-374	124	17	0.05	0.05	NUM
gujaf-374	124	18	)	)	PUNCT
gujaf-374	124	19	,	,	PUNCT
gujaf-374	124	20	interest	interest	NOUN
gujaf-374	124	21	rate	rate	NOUN
gujaf-374	124	22	(	(	PUNCT
gujaf-374	124	23	int	int	NOUN
gujaf-374	124	24	)	)	PUNCT
gujaf-374	124	25	has	have	VERB
gujaf-374	124	26	a	a	DET
gujaf-374	124	27	p	p	NOUN
gujaf-374	124	28	-	-	PUNCT
gujaf-374	124	29	value	value	NOUN
gujaf-374	124	30	of	of	ADP
gujaf-374	124	31	0.0535	0.0535	NUM
gujaf-374	124	32	(	(	PUNCT
gujaf-374	124	33	<	<	X
gujaf-374	124	34	0.05	0.05	NUM
gujaf-374	124	35	)	)	PUNCT
gujaf-374	124	36	,	,	PUNCT
gujaf-374	124	37	and	and	CCONJ
gujaf-374	124	38	government	government	NOUN
gujaf-374	124	39	effectiveness	effectiveness	NOUN
gujaf-374	124	40	(	(	PUNCT
gujaf-374	124	41	gov	gov	NOUN
gujaf-374	124	42	)	)	PUNCT
gujaf-374	124	43	has	have	VERB
gujaf-374	124	44	a	a	DET
gujaf-374	124	45	p	p	NOUN
gujaf-374	124	46	-	-	PUNCT
gujaf-374	124	47	value	value	NOUN
gujaf-374	124	48	of	of	ADP
gujaf-374	124	49	0.0463	0.0463	NUM
gujaf-374	124	50	(	(	PUNCT
gujaf-374	124	51	<	<	X
gujaf-374	124	52	0.05	0.05	NUM
gujaf-374	124	53	)	)	PUNCT
gujaf-374	124	54	,	,	PUNCT
gujaf-374	124	55	indicating	indicate	VERB
gujaf-374	124	56	they	they	PRON
gujaf-374	124	57	are	be	AUX
gujaf-374	124	58	stationary	stationary	ADJ
gujaf-374	124	59	.	.	PUNCT
gujaf-374	125	1	the	the	DET
gujaf-374	125	2	other	other	ADJ
gujaf-374	125	3	series	series	PROPN
gujaf-374	125	4	lnhdel	lnhdel	PROPN
gujaf-374	125	5	,	,	PUNCT
gujaf-374	125	6	lnmloan	lnmloan	NOUN
gujaf-374	125	7	,	,	PUNCT
gujaf-374	125	8	lnmequ	lnmequ	NOUN
gujaf-374	125	9	,	,	PUNCT
gujaf-374	125	10	lnpci	lnpci	PROPN
gujaf-374	125	11	,	,	PUNCT
gujaf-374	125	12	inf	inf	PROPN
gujaf-374	125	13	,	,	PUNCT
gujaf-374	125	14	corc	corc	NOUN
gujaf-374	125	15	,	,	PUNCT
gujaf-374	125	16	pstab	pstab	NOUN
gujaf-374	125	17	,	,	PUNCT
gujaf-374	125	18	rev	rev	X
gujaf-374	125	19	,	,	PUNCT
gujaf-374	125	20	rol	rol	NOUN
gujaf-374	125	21	and	and	CCONJ
gujaf-374	125	22	vac	vac	NOUN
gujaf-374	125	23	)	)	PUNCT
gujaf-374	125	24	have	have	VERB
gujaf-374	125	25	p	p	NOUN
gujaf-374	125	26	-	-	PUNCT
gujaf-374	125	27	values	value	NOUN
gujaf-374	125	28	greater	great	ADJ
gujaf-374	125	29	than	than	ADP
gujaf-374	125	30	0.05	0.05	NUM
gujaf-374	125	31	,	,	PUNCT
gujaf-374	125	32	suggesting	suggest	VERB
gujaf-374	125	33	that	that	SCONJ
gujaf-374	125	34	these	these	DET
gujaf-374	125	35	series	series	NOUN
gujaf-374	125	36	may	may	AUX
gujaf-374	125	37	have	have	VERB
gujaf-374	125	38	a	a	DET
gujaf-374	125	39	unit	unit	NOUN
gujaf-374	125	40	root	root	NOUN
gujaf-374	125	41	or	or	CCONJ
gujaf-374	125	42	not	not	PART
gujaf-374	125	43	likely	likely	ADJ
gujaf-374	125	44	to	to	PART
gujaf-374	125	45	be	be	AUX
gujaf-374	125	46	stationary	stationary	ADJ
gujaf-374	125	47	and	and	CCONJ
gujaf-374	125	48	may	may	AUX
gujaf-374	125	49	require	require	VERB
gujaf-374	125	50	differencing	differencing	NOUN
gujaf-374	125	51	or	or	CCONJ
gujaf-374	125	52	other	other	ADJ
gujaf-374	125	53	transformations	transformation	NOUN
gujaf-374	125	54	to	to	PART
gujaf-374	125	55	make	make	VERB
gujaf-374	125	56	them	they	PRON
gujaf-374	125	57	stationary	stationary	ADJ
gujaf-374	125	58	before	before	ADP
gujaf-374	125	59	analyzing	analyze	VERB
gujaf-374	125	60	them	they	PRON
gujaf-374	125	61	,	,	PUNCT
gujaf-374	125	62	hence	hence	ADV
gujaf-374	125	63	,	,	PUNCT
gujaf-374	125	64	the	the	DET
gujaf-374	125	65	differencing	differencing	NOUN
gujaf-374	125	66	.	.	PUNCT
gujaf-374	126	1	table	table	NOUN
gujaf-374	126	2	2	2	NUM
gujaf-374	126	3	:	:	PUNCT
gujaf-374	126	4	long	long	ADJ
gujaf-374	126	5	run	run	NOUN
gujaf-374	126	6	form	form	NOUN
gujaf-374	126	7	and	and	CCONJ
gujaf-374	126	8	bounds	bound	VERB
gujaf-374	126	9	test	test	VERB
gujaf-374	126	10	variable	variable	ADJ
gujaf-374	126	11	coeff	coeff	PROPN
gujaf-374	126	12	.	.	PUNCT
gujaf-374	127	1	std	std	NOUN
gujaf-374	127	2	.	.	PUNCT
gujaf-374	128	1	err	err	PROPN
gujaf-374	128	2	t	t	PROPN
gujaf-374	128	3	-	-	PUNCT
gujaf-374	128	4	stat	stat	PROPN
gujaf-374	128	5	prob	prob	PROPN
gujaf-374	128	6	.	.	PUNCT
gujaf-374	129	1	lnhdel(-1	lnhdel(-1	VERB
gujaf-374	129	2	)	)	PUNCT
gujaf-374	129	3	*	*	PUNCT
gujaf-374	130	1	0.07461	0.07461	NUM
gujaf-374	130	2	0.16404	0.16404	NUM
gujaf-374	130	3	0.45483	0.45483	NUM
gujaf-374	130	4	0.6613	0.6613	NUM
gujaf-374	130	5	instmloan(-1	instmloan(-1	ADJ
gujaf-374	130	6	)	)	PUNCT
gujaf-374	130	7	1.72368	1.72368	NUM
gujaf-374	130	8	0.87746	0.87746	NUM
gujaf-374	130	9	1.9644	1.9644	NUM
gujaf-374	130	10	0.0851	0.0851	NUM
gujaf-374	130	11	instmequ(-1	instmequ(-1	NUM
gujaf-374	130	12	)	)	PUNCT
gujaf-374	130	13	-0.4156	-0.4156	NOUN
gujaf-374	130	14	0.48137	0.48137	NUM
gujaf-374	130	15	-0.8633	-0.8633	NOUN
gujaf-374	130	16	0.4131	0.4131	NUM
gujaf-374	130	17	gusau	gusau	ADJ
gujaf-374	130	18	journal	journal	NOUN
gujaf-374	130	19	of	of	ADP
gujaf-374	130	20	accounting	accounting	NOUN
gujaf-374	130	21	and	and	CCONJ
gujaf-374	130	22	finance	finance	NOUN
gujaf-374	130	23	,	,	PUNCT
gujaf-374	130	24	vol.6	vol.6	PROPN
gujaf-374	130	25	,	,	PUNCT
gujaf-374	130	26	issue	issue	NOUN
gujaf-374	130	27	1	1	NUM
gujaf-374	130	28	,	,	PUNCT
gujaf-374	130	29	april	april	PROPN
gujaf-374	130	30	,	,	PUNCT
gujaf-374	130	31	2025	2025	NUM
gujaf-374	130	32	145	145	NUM
gujaf-374	130	33	instmint	instmint	NOUN
gujaf-374	130	34	*	*	PROPN
gujaf-374	130	35	*	*	PROPN
gujaf-374	130	36	-1.9676	-1.9676	NOUN
gujaf-374	130	37	0.9553	0.9553	NUM
gujaf-374	130	38	-2.0597	-2.0597	NOUN
gujaf-374	130	39	0.0734	0.0734	NUM
gujaf-374	130	40	d(lnhdel(-1	d(lnhdel(-1	NOUN
gujaf-374	130	41	)	)	PUNCT
gujaf-374	130	42	)	)	PUNCT
gujaf-374	130	43	-0.6678	-0.6678	VERB
gujaf-374	130	44	0.23857	0.23857	NUM
gujaf-374	130	45	-2.7994	-2.7994	NOUN
gujaf-374	130	46	0.0232	0.0232	NUM
gujaf-374	130	47	d(instmloan	d(instmloan	NOUN
gujaf-374	130	48	)	)	PUNCT
gujaf-374	131	1	0.41082	0.41082	NUM
gujaf-374	132	1	0.70839	0.70839	NUM
gujaf-374	132	2	0.57994	0.57994	NUM
gujaf-374	132	3	0.5779	0.5779	NUM
gujaf-374	132	4	d(instmloan(-1	d(instmloan(-1	PROPN
gujaf-374	132	5	)	)	PUNCT
gujaf-374	132	6	)	)	PUNCT
gujaf-374	133	1	0.03663	0.03663	NUM
gujaf-374	133	2	0.03132	0.03132	NUM
gujaf-374	133	3	1.16965	1.16965	NUM
gujaf-374	133	4	0.2758	0.2758	NUM
gujaf-374	133	5	d(instmequ	d(instmequ	NOUN
gujaf-374	133	6	)	)	PUNCT
gujaf-374	133	7	0.85418	0.85418	NUM
gujaf-374	133	8	0.44546	0.44546	NUM
gujaf-374	133	9	1.91754	1.91754	NUM
gujaf-374	133	10	0.0915	0.0915	NUM
gujaf-374	133	11	variable	variable	ADJ
gujaf-374	133	12	coefficient	coefficient	NOUN
gujaf-374	133	13	std	std	NOUN
gujaf-374	133	14	.	.	NOUN
gujaf-374	133	15	error	error	NOUN
gujaf-374	133	16	t	t	NOUN
gujaf-374	133	17	-	-	PUNCT
gujaf-374	133	18	statistic	statistic	NOUN
gujaf-374	133	19	prob	prob	NOUN
gujaf-374	133	20	.	.	PROPN
gujaf-374	133	21	instmloan	instmloan	PROPN
gujaf-374	133	22	-23.102	-23.102	PROPN
gujaf-374	133	23	48.8197	48.8197	NUM
gujaf-374	133	24	-0.4732	-0.4732	NOUN
gujaf-374	134	1	0.6487	0.6487	NUM
gujaf-374	134	2	instmequ	instmequ	NOUN
gujaf-374	134	3	5.56991	5.56991	NUM
gujaf-374	134	4	8.69943	8.69943	NUM
gujaf-374	134	5	0.64026	0.64026	NUM
gujaf-374	134	6	0.5399	0.5399	NUM
gujaf-374	134	7	instmint	instmint	NOUN
gujaf-374	134	8	26.3712	26.3712	NUM
gujaf-374	134	9	61.0581	61.0581	NUM
gujaf-374	134	10	0.4319	0.4319	NUM
gujaf-374	134	11	0.6772	0.6772	NUM
gujaf-374	134	12	t	t	NOUN
gujaf-374	134	13	-	-	PUNCT
gujaf-374	134	14	bounds	bound	NOUN
gujaf-374	134	15	test	test	NOUN
gujaf-374	134	16	null	null	ADJ
gujaf-374	134	17	hypothesis	hypothesis	NOUN
gujaf-374	134	18	:	:	PUNCT
gujaf-374	134	19	no	no	DET
gujaf-374	134	20	levels	level	NOUN
gujaf-374	134	21	relationship	relationship	NOUN
gujaf-374	134	22	test	test	NOUN
gujaf-374	134	23	statistic	statistic	PROPN
gujaf-374	134	24	value	value	NOUN
gujaf-374	134	25	signif	signif	NOUN
gujaf-374	134	26	.	.	PUNCT
gujaf-374	135	1	i(0	i(0	PROPN
gujaf-374	135	2	)	)	PUNCT
gujaf-374	135	3	i(1	i(1	PROPN
gujaf-374	135	4	)	)	PUNCT
gujaf-374	135	5	t	t	NOUN
gujaf-374	135	6	-	-	PUNCT
gujaf-374	135	7	statistic	statistic	NOUN
gujaf-374	135	8	0.454833	0.454833	NUM
gujaf-374	135	9	10	10	NUM
gujaf-374	135	10	%	%	NOUN
gujaf-374	135	11	-1.62	-1.62	NOUN
gujaf-374	135	12	-3	-3	PUNCT
gujaf-374	135	13	5	5	NUM
gujaf-374	135	14	%	%	NOUN
gujaf-374	135	15	-1.95	-1.95	NOUN
gujaf-374	135	16	-3.33	-3.33	NUM
gujaf-374	135	17	2.5	2.5	NUM
gujaf-374	135	18	%	%	NOUN
gujaf-374	135	19	-2.24	-2.24	NUM
gujaf-374	135	20	-3.64	-3.64	NUM
gujaf-374	135	21	1	1	NUM
gujaf-374	135	22	%	%	NOUN
gujaf-374	135	23	-2.58	-2.58	ADJ
gujaf-374	135	24	-3.97	-3.97	NOUN
gujaf-374	135	25	source	source	NOUN
gujaf-374	135	26	:	:	PUNCT
gujaf-374	135	27	author	author	NOUN
gujaf-374	135	28	’s	’s	PART
gujaf-374	135	29	computation	computation	NOUN
gujaf-374	135	30	(	(	PUNCT
gujaf-374	135	31	2025	2025	NUM
gujaf-374	135	32	)	)	PUNCT
gujaf-374	135	33	.	.	PUNCT
gujaf-374	136	1	table	table	NOUN
gujaf-374	136	2	2	2	NUM
gujaf-374	136	3	presents	present	VERB
gujaf-374	136	4	the	the	DET
gujaf-374	136	5	results	result	NOUN
gujaf-374	136	6	of	of	ADP
gujaf-374	136	7	the	the	DET
gujaf-374	136	8	ardl	ardl	NOUN
gujaf-374	136	9	long	long	ADJ
gujaf-374	136	10	run	run	NOUN
gujaf-374	136	11	form	form	NOUN
gujaf-374	136	12	and	and	CCONJ
gujaf-374	136	13	the	the	DET
gujaf-374	136	14	bounds	bound	NOUN
gujaf-374	136	15	test	test	VERB
gujaf-374	136	16	.	.	PUNCT
gujaf-374	137	1	the	the	DET
gujaf-374	137	2	conditional	conditional	ADJ
gujaf-374	137	3	error	error	NOUN
gujaf-374	137	4	correction	correction	NOUN
gujaf-374	137	5	regression	regression	NOUN
gujaf-374	137	6	coefficients	coefficient	NOUN
gujaf-374	137	7	are	be	AUX
gujaf-374	137	8	not	not	PART
gujaf-374	137	9	significant	significant	ADJ
gujaf-374	137	10	,	,	PUNCT
gujaf-374	137	11	and	and	CCONJ
gujaf-374	137	12	the	the	DET
gujaf-374	137	13	levels	level	NOUN
gujaf-374	137	14	equations	equation	NOUN
gujaf-374	137	15	for	for	ADP
gujaf-374	137	16	mortgage	mortgage	NOUN
gujaf-374	137	17	finance	finance	NOUN
gujaf-374	137	18	interaction	interaction	NOUN
gujaf-374	137	19	variables	variable	NOUN
gujaf-374	137	20	;	;	PUNCT
gujaf-374	137	21	instmloan	instmloan	NOUN
gujaf-374	137	22	,	,	PUNCT
gujaf-374	137	23	instmequ	instmequ	ADV
gujaf-374	137	24	,	,	PUNCT
gujaf-374	137	25	and	and	CCONJ
gujaf-374	137	26	instmint	instmint	NOUN
gujaf-374	137	27	are	be	AUX
gujaf-374	137	28	not	not	PART
gujaf-374	137	29	significant	significant	ADJ
gujaf-374	137	30	.	.	PUNCT
gujaf-374	138	1	the	the	DET
gujaf-374	138	2	t	t	PROPN
gujaf-374	138	3	-	-	PUNCT
gujaf-374	138	4	bounds	bound	NOUN
gujaf-374	138	5	test	test	NOUN
gujaf-374	138	6	statistic	statistic	NOUN
gujaf-374	138	7	is	be	AUX
gujaf-374	138	8	also	also	ADV
gujaf-374	138	9	not	not	PART
gujaf-374	138	10	significant	significant	ADJ
gujaf-374	138	11	at	at	ADP
gujaf-374	138	12	any	any	DET
gujaf-374	138	13	levels	level	NOUN
gujaf-374	138	14	,	,	PUNCT
gujaf-374	138	15	indicating	indicate	VERB
gujaf-374	138	16	that	that	SCONJ
gujaf-374	138	17	there	there	PRON
gujaf-374	138	18	is	be	VERB
gujaf-374	138	19	no	no	DET
gujaf-374	138	20	evidence	evidence	NOUN
gujaf-374	138	21	of	of	ADP
gujaf-374	138	22	a	a	DET
gujaf-374	138	23	long	long	ADV
gujaf-374	138	24	-	-	PUNCT
gujaf-374	138	25	run	run	NOUN
gujaf-374	138	26	relationship	relationship	NOUN
gujaf-374	138	27	between	between	ADP
gujaf-374	138	28	the	the	DET
gujaf-374	138	29	variables	variable	NOUN
gujaf-374	138	30	.	.	PUNCT
gujaf-374	139	1	the	the	DET
gujaf-374	139	2	t	t	PROPN
gujaf-374	139	3	-	-	PUNCT
gujaf-374	139	4	bounds	bound	NOUN
gujaf-374	139	5	test	test	NOUN
gujaf-374	139	6	statistic	statistic	NOUN
gujaf-374	139	7	of	of	ADP
gujaf-374	139	8	0.454833	0.454833	NUM
gujaf-374	139	9	is	be	AUX
gujaf-374	139	10	also	also	ADV
gujaf-374	139	11	not	not	PART
gujaf-374	139	12	significant	significant	ADJ
gujaf-374	139	13	at	at	ADP
gujaf-374	139	14	any	any	DET
gujaf-374	139	15	levels	level	NOUN
gujaf-374	139	16	,	,	PUNCT
gujaf-374	139	17	also	also	ADV
gujaf-374	139	18	supports	support	VERB
gujaf-374	139	19	evidence	evidence	NOUN
gujaf-374	139	20	that	that	SCONJ
gujaf-374	139	21	there	there	PRON
gujaf-374	139	22	is	be	VERB
gujaf-374	139	23	no	no	DET
gujaf-374	139	24	evidence	evidence	NOUN
gujaf-374	139	25	of	of	ADP
gujaf-374	139	26	a	a	DET
gujaf-374	139	27	long	long	ADV
gujaf-374	139	28	-	-	PUNCT
gujaf-374	139	29	run	run	NOUN
gujaf-374	139	30	relationship	relationship	NOUN
gujaf-374	139	31	between	between	ADP
gujaf-374	139	32	the	the	DET
gujaf-374	139	33	variables	variable	NOUN
gujaf-374	139	34	in	in	ADP
gujaf-374	139	35	the	the	DET
gujaf-374	139	36	model	model	NOUN
gujaf-374	139	37	.	.	PUNCT
gujaf-374	140	1	table	table	NOUN
gujaf-374	140	2	3	3	NUM
gujaf-374	140	3	:	:	PUNCT
gujaf-374	140	4	short	short	ADJ
gujaf-374	140	5	run	run	NOUN
gujaf-374	140	6	results	result	VERB
gujaf-374	140	7	dependent	dependent	ADJ
gujaf-374	140	8	variable	variable	NOUN
gujaf-374	140	9	:	:	PUNCT
gujaf-374	140	10	lnhdel	lnhdel	PROPN
gujaf-374	140	11	method	method	NOUN
gujaf-374	140	12	:	:	PUNCT
gujaf-374	140	13	ardl	ardl	PROPN
gujaf-374	140	14	variable	variable	PROPN
gujaf-374	140	15	coeff	coeff	PROPN
gujaf-374	140	16	.	.	PUNCT
gujaf-374	141	1	std	std	NOUN
gujaf-374	141	2	.	.	PUNCT
gujaf-374	142	1	err	err	PROPN
gujaf-374	142	2	t	t	PROPN
gujaf-374	142	3	-	-	PUNCT
gujaf-374	142	4	stat	stat	NOUN
gujaf-374	142	5	prob	prob	NOUN
gujaf-374	142	6	.	.	PUNCT
gujaf-374	142	7	*	*	PUNCT
gujaf-374	143	1	lnhdel(-1	lnhdel(-1	X
gujaf-374	143	2	)	)	PUNCT
gujaf-374	143	3	0.40676	0.40676	NUM
gujaf-374	143	4	0.240797	0.240797	NUM
gujaf-374	143	5	1.689237	1.689237	NUM
gujaf-374	143	6	0.1296	0.1296	NUM
gujaf-374	143	7	lnhdel(-2	lnhdel(-2	NOUN
gujaf-374	143	8	)	)	PUNCT
gujaf-374	143	9	0.66784	0.66784	NUM
gujaf-374	143	10	0.238572	0.238572	NUM
gujaf-374	143	11	2.799361	2.799361	NUM
gujaf-374	143	12	0.0232	0.0232	NUM
gujaf-374	143	13	instmloan	instmloan	NOUN
gujaf-374	143	14	0.41082	0.41082	NUM
gujaf-374	143	15	0.708387	0.708387	NUM
gujaf-374	143	16	0.579937	0.579937	NUM
gujaf-374	143	17	0.5779	0.5779	NUM
gujaf-374	143	18	instmloan(-1	instmloan(-1	ADJ
gujaf-374	143	19	)	)	PUNCT
gujaf-374	143	20	1.34948	1.34948	NUM
gujaf-374	143	21	0.555791	0.555791	NUM
gujaf-374	143	22	2.428042	2.428042	NUM
gujaf-374	143	23	0.0413	0.0413	NUM
gujaf-374	143	24	instmloan(-2	instmloan(-2	NOUN
gujaf-374	143	25	)	)	PUNCT
gujaf-374	143	26	-0.03662	-0.03662	PUNCT
gujaf-374	144	1	0.031316	0.031316	NUM
gujaf-374	144	2	-1.169654	-1.169654	NOUN
gujaf-374	144	3	0.2758	0.2758	NUM
gujaf-374	144	4	instmint	instmint	NOUN
gujaf-374	144	5	-1.96759	-1.96759	PROPN
gujaf-374	145	1	0.955304	0.955304	NUM
gujaf-374	145	2	-2.059658	-2.059658	NOUN
gujaf-374	146	1	0.0734	0.0734	NUM
gujaf-374	146	2	instmequ	instmequ	NOUN
gujaf-374	146	3	0.85418	0.85418	NUM
gujaf-374	146	4	0.445457	0.445457	NUM
gujaf-374	146	5	1.917540	1.917540	NUM
gujaf-374	146	6	0.0915	0.0915	NUM
gujaf-374	146	7	instmequ(-1	instmequ(-1	NUM
gujaf-374	146	8	)	)	PUNCT
gujaf-374	146	9	-1.26976	-1.26976	NOUN
gujaf-374	146	10	0.530708	0.530708	NUM
gujaf-374	146	11	-2.392582	-2.392582	NOUN
gujaf-374	146	12	0.0437	0.0437	NUM
gujaf-374	146	13	r	r	NOUN
gujaf-374	146	14	-	-	PUNCT
gujaf-374	146	15	squared	square	VERB
gujaf-374	146	16	0.502050	0.502050	NUM
gujaf-374	146	17	adjusted	adjust	VERB
gujaf-374	146	18	r	r	NOUN
gujaf-374	146	19	-	-	PUNCT
gujaf-374	146	20	squared	square	VERB
gujaf-374	146	21	0.066344	0.066344	NUM
gujaf-374	146	22	gusau	gusau	ADJ
gujaf-374	146	23	journal	journal	NOUN
gujaf-374	146	24	of	of	ADP
gujaf-374	146	25	accounting	accounting	NOUN
gujaf-374	146	26	and	and	CCONJ
gujaf-374	146	27	finance	finance	NOUN
gujaf-374	146	28	,	,	PUNCT
gujaf-374	146	29	vol.6	vol.6	PROPN
gujaf-374	146	30	,	,	PUNCT
gujaf-374	146	31	issue	issue	NOUN
gujaf-374	146	32	1	1	NUM
gujaf-374	146	33	,	,	PUNCT
gujaf-374	146	34	april	april	PROPN
gujaf-374	146	35	,	,	PUNCT
gujaf-374	146	36	2025	2025	NUM
gujaf-374	146	37	146	146	NUM
gujaf-374	146	38	source	source	NOUN
gujaf-374	146	39	:	:	PUNCT
gujaf-374	146	40	author	author	NOUN
gujaf-374	146	41	’s	’s	PART
gujaf-374	146	42	computation	computation	NOUN
gujaf-374	146	43	(	(	PUNCT
gujaf-374	146	44	2025	2025	NUM
gujaf-374	146	45	)	)	PUNCT
gujaf-374	146	46	.	.	PUNCT
gujaf-374	147	1	after	after	ADP
gujaf-374	147	2	adjusting	adjust	VERB
gujaf-374	147	3	for	for	ADP
gujaf-374	147	4	the	the	DET
gujaf-374	147	5	lagged	lag	VERB
gujaf-374	147	6	values	value	NOUN
gujaf-374	147	7	of	of	ADP
gujaf-374	147	8	the	the	DET
gujaf-374	147	9	dependent	dependent	ADJ
gujaf-374	147	10	variable	variable	NOUN
gujaf-374	147	11	and	and	CCONJ
gujaf-374	147	12	the	the	DET
gujaf-374	147	13	other	other	ADJ
gujaf-374	147	14	independent	independent	ADJ
gujaf-374	147	15	variables	variable	NOUN
gujaf-374	147	16	,	,	PUNCT
gujaf-374	147	17	the	the	DET
gujaf-374	147	18	ardl	ardl	NOUN
gujaf-374	147	19	coefficients	coefficient	NOUN
gujaf-374	147	20	show	show	VERB
gujaf-374	147	21	that	that	SCONJ
gujaf-374	147	22	the	the	DET
gujaf-374	147	23	current	current	ADJ
gujaf-374	147	24	value	value	NOUN
gujaf-374	147	25	of	of	ADP
gujaf-374	147	26	lnhdel	lnhdel	NOUN
gujaf-374	147	27	is	be	AUX
gujaf-374	147	28	impacted	impact	VERB
gujaf-374	147	29	by	by	ADP
gujaf-374	147	30	its	its	PRON
gujaf-374	147	31	own	own	ADJ
gujaf-374	147	32	lagging	lag	VERB
gujaf-374	147	33	values	value	NOUN
gujaf-374	147	34	,	,	PUNCT
gujaf-374	147	35	as	as	SCONJ
gujaf-374	147	36	indicated	indicate	VERB
gujaf-374	147	37	by	by	ADP
gujaf-374	147	38	the	the	DET
gujaf-374	147	39	coefficients	coefficient	NOUN
gujaf-374	147	40	of	of	ADP
gujaf-374	147	41	the	the	DET
gujaf-374	147	42	lagged	lag	VERB
gujaf-374	147	43	values	value	NOUN
gujaf-374	147	44	of	of	ADP
gujaf-374	147	45	the	the	DET
gujaf-374	147	46	log	log	NOUN
gujaf-374	147	47	of	of	ADP
gujaf-374	147	48	housing	housing	NOUN
gujaf-374	147	49	delivery	delivery	NOUN
gujaf-374	147	50	(	(	PUNCT
gujaf-374	147	51	lnhdel	lnhdel	PROPN
gujaf-374	147	52	)	)	PUNCT
gujaf-374	147	53	,	,	PUNCT
gujaf-374	147	54	which	which	PRON
gujaf-374	147	55	are	be	AUX
gujaf-374	147	56	0.406764	0.406764	NUM
gujaf-374	147	57	and	and	CCONJ
gujaf-374	147	58	0.667848	0.667848	NUM
gujaf-374	147	59	,	,	PUNCT
gujaf-374	147	60	respectively	respectively	ADV
gujaf-374	147	61	.	.	PUNCT
gujaf-374	148	1	the	the	DET
gujaf-374	148	2	coefficient	coefficient	NOUN
gujaf-374	148	3	of	of	ADP
gujaf-374	148	4	instmloan	instmloan	NOUN
gujaf-374	148	5	is	be	AUX
gujaf-374	148	6	0.410820	0.410820	NUM
gujaf-374	148	7	,	,	PUNCT
gujaf-374	148	8	meaning	mean	VERB
gujaf-374	148	9	that	that	SCONJ
gujaf-374	148	10	the	the	DET
gujaf-374	148	11	value	value	NOUN
gujaf-374	148	12	of	of	ADP
gujaf-374	148	13	the	the	DET
gujaf-374	148	14	log	log	NOUN
gujaf-374	148	15	of	of	ADP
gujaf-374	148	16	housing	housing	NOUN
gujaf-374	148	17	delivery	delivery	NOUN
gujaf-374	148	18	(	(	PUNCT
gujaf-374	148	19	lnhdel	lnhdel	NOUN
gujaf-374	148	20	)	)	PUNCT
gujaf-374	148	21	increases	increase	NOUN
gujaf-374	148	22	by	by	ADP
gujaf-374	148	23	0.410820	0.410820	NUM
gujaf-374	148	24	units	unit	NOUN
gujaf-374	148	25	for	for	ADP
gujaf-374	148	26	every	every	DET
gujaf-374	148	27	unit	unit	NOUN
gujaf-374	148	28	change	change	NOUN
gujaf-374	148	29	in	in	ADP
gujaf-374	148	30	instmloan	instmloan	NOUN
gujaf-374	148	31	.	.	PUNCT
gujaf-374	149	1	the	the	DET
gujaf-374	149	2	influence	influence	NOUN
gujaf-374	149	3	of	of	ADP
gujaf-374	149	4	changes	change	NOUN
gujaf-374	149	5	in	in	ADP
gujaf-374	149	6	instmloan	instmloan	NOUN
gujaf-374	149	7	on	on	ADP
gujaf-374	149	8	lnhdel	lnhdel	NOUN
gujaf-374	149	9	is	be	AUX
gujaf-374	149	10	delayed	delay	VERB
gujaf-374	149	11	by	by	ADP
gujaf-374	149	12	one	one	NUM
gujaf-374	149	13	or	or	CCONJ
gujaf-374	149	14	two	two	NUM
gujaf-374	149	15	periods	period	NOUN
gujaf-374	149	16	,	,	PUNCT
gujaf-374	149	17	according	accord	VERB
gujaf-374	149	18	to	to	ADP
gujaf-374	149	19	the	the	DET
gujaf-374	149	20	coefficients	coefficient	NOUN
gujaf-374	149	21	on	on	ADP
gujaf-374	149	22	the	the	DET
gujaf-374	149	23	lagged	lag	VERB
gujaf-374	149	24	values	value	NOUN
gujaf-374	149	25	of	of	ADP
gujaf-374	149	26	instmloan	instmloan	NOUN
gujaf-374	149	27	,	,	PUNCT
gujaf-374	149	28	which	which	PRON
gujaf-374	149	29	are	be	AUX
gujaf-374	149	30	1.349485	1.349485	NUM
gujaf-374	149	31	and	and	CCONJ
gujaf-374	149	32	-0.036629	-0.036629	NUM
gujaf-374	149	33	,	,	PUNCT
gujaf-374	149	34	respectively	respectively	ADV
gujaf-374	149	35	.	.	PUNCT
gujaf-374	150	1	the	the	DET
gujaf-374	150	2	coefficient	coefficient	NOUN
gujaf-374	150	3	of	of	ADP
gujaf-374	150	4	instmint	instmint	NOUN
gujaf-374	150	5	for	for	ADP
gujaf-374	150	6	the	the	DET
gujaf-374	150	7	interaction	interaction	NOUN
gujaf-374	150	8	between	between	ADP
gujaf-374	150	9	institutional	institutional	ADJ
gujaf-374	150	10	variables	variable	NOUN
gujaf-374	150	11	and	and	CCONJ
gujaf-374	150	12	housing	housing	NOUN
gujaf-374	150	13	development	development	NOUN
gujaf-374	150	14	and	and	CCONJ
gujaf-374	150	15	mortgage	mortgage	NOUN
gujaf-374	150	16	financing	financing	NOUN
gujaf-374	150	17	is	be	AUX
gujaf-374	150	18	-1.967599	-1.967599	NOUN
gujaf-374	150	19	,	,	PUNCT
gujaf-374	150	20	meaning	mean	VERB
gujaf-374	150	21	that	that	SCONJ
gujaf-374	150	22	for	for	ADP
gujaf-374	150	23	every	every	DET
gujaf-374	150	24	unit	unit	NOUN
gujaf-374	150	25	chang	chang	PROPN
gujaf-374	150	26	in	in	ADP
gujaf-374	150	27	instmint	instmint	PROPN
gujaf-374	150	28	,	,	PUNCT
gujaf-374	150	29	the	the	DET
gujaf-374	150	30	log	log	NOUN
gujaf-374	150	31	of	of	ADP
gujaf-374	150	32	housing	housing	NOUN
gujaf-374	150	33	delivery	delivery	NOUN
gujaf-374	150	34	(	(	PUNCT
gujaf-374	150	35	lnhdel	lnhdel	NOUN
gujaf-374	150	36	)	)	PUNCT
gujaf-374	150	37	decreases	decrease	NOUN
gujaf-374	150	38	by	by	ADP
gujaf-374	150	39	1.967599	1.967599	NUM
gujaf-374	150	40	units	unit	NOUN
gujaf-374	150	41	.	.	PUNCT
gujaf-374	151	1	the	the	DET
gujaf-374	151	2	coefficient	coefficient	NOUN
gujaf-374	151	3	on	on	ADP
gujaf-374	151	4	instmequ	instmequ	NOUN
gujaf-374	151	5	is	be	AUX
gujaf-374	151	6	0.854182	0.854182	NUM
gujaf-374	151	7	,	,	PUNCT
gujaf-374	151	8	meaning	mean	VERB
gujaf-374	151	9	that	that	SCONJ
gujaf-374	151	10	lnhdel	lnhdel	NOUN
gujaf-374	151	11	increases	increase	NOUN
gujaf-374	151	12	by	by	ADP
gujaf-374	151	13	0.854182	0.854182	NUM
gujaf-374	151	14	units	unit	NOUN
gujaf-374	151	15	for	for	ADP
gujaf-374	151	16	every	every	DET
gujaf-374	151	17	unit	unit	NOUN
gujaf-374	151	18	change	change	NOUN
gujaf-374	151	19	in	in	ADP
gujaf-374	151	20	instmequ	instmequ	NOUN
gujaf-374	151	21	.	.	PUNCT
gujaf-374	152	1	the	the	DET
gujaf-374	152	2	impact	impact	NOUN
gujaf-374	152	3	of	of	ADP
gujaf-374	152	4	changes	change	NOUN
gujaf-374	152	5	in	in	ADP
gujaf-374	152	6	instmequ	instmequ	NOUN
gujaf-374	152	7	on	on	ADP
gujaf-374	152	8	lnhdel	lnhdel	NOUN
gujaf-374	152	9	is	be	AUX
gujaf-374	152	10	delayed	delay	VERB
gujaf-374	152	11	by	by	ADP
gujaf-374	152	12	one	one	NUM
gujaf-374	152	13	period	period	NOUN
gujaf-374	152	14	,	,	PUNCT
gujaf-374	152	15	as	as	SCONJ
gujaf-374	152	16	indicated	indicate	VERB
gujaf-374	152	17	by	by	ADP
gujaf-374	152	18	the	the	DET
gujaf-374	152	19	coefficient	coefficient	NOUN
gujaf-374	152	20	of	of	ADP
gujaf-374	152	21	the	the	DET
gujaf-374	152	22	lagged	lag	VERB
gujaf-374	152	23	value	value	NOUN
gujaf-374	152	24	of	of	ADP
gujaf-374	152	25	instmequ	instmequ	NOUN
gujaf-374	152	26	,	,	PUNCT
gujaf-374	152	27	which	which	PRON
gujaf-374	152	28	is	be	AUX
gujaf-374	152	29	-1.269763	-1.269763	ADJ
gujaf-374	152	30	.	.	PUNCT
gujaf-374	153	1	the	the	DET
gujaf-374	153	2	findings	finding	NOUN
gujaf-374	153	3	indicate	indicate	VERB
gujaf-374	153	4	that	that	SCONJ
gujaf-374	153	5	the	the	DET
gujaf-374	153	6	current	current	ADJ
gujaf-374	153	7	values	value	NOUN
gujaf-374	153	8	of	of	ADP
gujaf-374	153	9	lnhdel	lnhdel	NOUN
gujaf-374	153	10	,	,	PUNCT
gujaf-374	153	11	instmloan	instmloan	NOUN
gujaf-374	153	12	,	,	PUNCT
gujaf-374	153	13	instmint	instmint	NOUN
gujaf-374	153	14	,	,	PUNCT
gujaf-374	153	15	and	and	CCONJ
gujaf-374	153	16	instmequ	instmequ	NOUN
gujaf-374	153	17	are	be	AUX
gujaf-374	153	18	influenced	influence	VERB
gujaf-374	153	19	by	by	ADP
gujaf-374	153	20	their	their	PRON
gujaf-374	153	21	respective	respective	ADJ
gujaf-374	153	22	lagged	lag	VERB
gujaf-374	153	23	values	value	NOUN
gujaf-374	153	24	,	,	PUNCT
gujaf-374	153	25	or	or	CCONJ
gujaf-374	153	26	values	value	NOUN
gujaf-374	153	27	from	from	ADP
gujaf-374	153	28	previous	previous	ADJ
gujaf-374	153	29	periods	period	NOUN
gujaf-374	153	30	.	.	PUNCT
gujaf-374	154	1	instmloan	instmloan	NOUN
gujaf-374	154	2	is	be	AUX
gujaf-374	154	3	also	also	ADV
gujaf-374	154	4	found	find	VERB
gujaf-374	154	5	to	to	PART
gujaf-374	154	6	have	have	VERB
gujaf-374	154	7	a	a	DET
gujaf-374	154	8	positive	positive	ADJ
gujaf-374	154	9	impact	impact	NOUN
gujaf-374	154	10	on	on	ADP
gujaf-374	154	11	lnhdel	lnhdel	NOUN
gujaf-374	154	12	with	with	ADP
gujaf-374	154	13	a	a	DET
gujaf-374	154	14	oneor	oneor	NOUN
gujaf-374	154	15	two	two	NUM
gujaf-374	154	16	-	-	PUNCT
gujaf-374	154	17	period	period	NOUN
gujaf-374	154	18	delay	delay	NOUN
gujaf-374	154	19	.	.	PUNCT
gujaf-374	155	1	the	the	DET
gujaf-374	155	2	effect	effect	NOUN
gujaf-374	155	3	is	be	AUX
gujaf-374	155	4	minimal	minimal	ADJ
gujaf-374	155	5	,	,	PUNCT
gujaf-374	155	6	though	though	ADV
gujaf-374	155	7	.	.	PUNCT
gujaf-374	156	1	instmequ	instmequ	PROPN
gujaf-374	156	2	has	have	VERB
gujaf-374	156	3	a	a	DET
gujaf-374	156	4	slight	slight	ADJ
gujaf-374	156	5	but	but	CCONJ
gujaf-374	156	6	positive	positive	ADJ
gujaf-374	156	7	influence	influence	NOUN
gujaf-374	156	8	on	on	ADP
gujaf-374	156	9	lnhdel	lnhdel	NOUN
gujaf-374	156	10	with	with	ADP
gujaf-374	156	11	a	a	DET
gujaf-374	156	12	one	one	NUM
gujaf-374	156	13	-	-	PUNCT
gujaf-374	156	14	period	period	NOUN
gujaf-374	156	15	lag	lag	NOUN
gujaf-374	156	16	,	,	PUNCT
gujaf-374	156	17	while	while	SCONJ
gujaf-374	156	18	instmint	instmint	NOUN
gujaf-374	156	19	has	have	VERB
gujaf-374	156	20	a	a	DET
gujaf-374	156	21	slight	slight	ADJ
gujaf-374	156	22	but	but	CCONJ
gujaf-374	156	23	negative	negative	ADJ
gujaf-374	156	24	effect	effect	NOUN
gujaf-374	156	25	.	.	PUNCT
gujaf-374	157	1	the	the	DET
gujaf-374	157	2	lagged	lag	VERB
gujaf-374	157	3	values	value	NOUN
gujaf-374	157	4	of	of	ADP
gujaf-374	157	5	each	each	DET
gujaf-374	157	6	variable	variable	NOUN
gujaf-374	157	7	have	have	VERB
gujaf-374	157	8	a	a	DET
gujaf-374	157	9	major	major	ADJ
gujaf-374	157	10	influence	influence	NOUN
gujaf-374	157	11	on	on	ADP
gujaf-374	157	12	the	the	DET
gujaf-374	157	13	current	current	ADJ
gujaf-374	157	14	value	value	NOUN
gujaf-374	157	15	of	of	ADP
gujaf-374	157	16	lnhdel	lnhdel	NOUN
gujaf-374	157	17	.	.	PUNCT
gujaf-374	158	1	with	with	ADP
gujaf-374	158	2	an	an	DET
gujaf-374	158	3	r	r	NOUN
gujaf-374	158	4	-	-	PUNCT
gujaf-374	158	5	squared	squared	NOUN
gujaf-374	158	6	of	of	ADP
gujaf-374	158	7	0.502050	0.502050	NUM
gujaf-374	158	8	,	,	PUNCT
gujaf-374	158	9	the	the	DET
gujaf-374	158	10	study	study	NOUN
gujaf-374	158	11	reveals	reveal	VERB
gujaf-374	158	12	that	that	SCONJ
gujaf-374	158	13	independent	independent	ADJ
gujaf-374	158	14	variables	variable	NOUN
gujaf-374	158	15	account	account	VERB
gujaf-374	158	16	for	for	ADP
gujaf-374	158	17	half	half	NOUN
gujaf-374	158	18	of	of	ADP
gujaf-374	158	19	the	the	DET
gujaf-374	158	20	variation	variation	NOUN
gujaf-374	158	21	in	in	ADP
gujaf-374	158	22	housing	housing	NOUN
gujaf-374	158	23	delivery	delivery	NOUN
gujaf-374	158	24	and	and	CCONJ
gujaf-374	158	25	almost	almost	ADV
gujaf-374	158	26	6	6	NUM
gujaf-374	158	27	%	%	NOUN
gujaf-374	158	28	after	after	ADP
gujaf-374	158	29	controlling	control	VERB
gujaf-374	158	30	for	for	ADP
gujaf-374	158	31	degrees	degree	NOUN
gujaf-374	158	32	of	of	ADP
gujaf-374	158	33	freedom	freedom	NOUN
gujaf-374	158	34	.	.	PUNCT
gujaf-374	159	1	the	the	DET
gujaf-374	159	2	model	model	NOUN
gujaf-374	159	3	's	's	PART
gujaf-374	159	4	quality	quality	NOUN
gujaf-374	159	5	is	be	AUX
gujaf-374	159	6	indicated	indicate	VERB
gujaf-374	159	7	by	by	ADP
gujaf-374	159	8	an	an	DET
gujaf-374	159	9	aic	aic	PROPN
gujaf-374	159	10	value	value	NOUN
gujaf-374	159	11	of	of	ADP
gujaf-374	159	12	2.084242	2.084242	NUM
gujaf-374	159	13	,	,	PUNCT
gujaf-374	159	14	and	and	CCONJ
gujaf-374	159	15	no	no	DET
gujaf-374	159	16	signs	sign	NOUN
gujaf-374	159	17	of	of	ADP
gujaf-374	159	18	autocorrelation	autocorrelation	NOUN
gujaf-374	159	19	.	.	PUNCT
gujaf-374	160	1	it	it	PRON
gujaf-374	160	2	suggests	suggest	VERB
gujaf-374	160	3	that	that	SCONJ
gujaf-374	160	4	changes	change	NOUN
gujaf-374	160	5	in	in	ADP
gujaf-374	160	6	institutional	institutional	ADJ
gujaf-374	160	7	factors	factor	NOUN
gujaf-374	160	8	interacting	interact	VERB
gujaf-374	160	9	with	with	ADP
gujaf-374	160	10	mortgage	mortgage	NOUN
gujaf-374	160	11	finance	finance	NOUN
gujaf-374	160	12	impact	impact	NOUN
gujaf-374	160	13	changes	change	NOUN
gujaf-374	160	14	in	in	ADP
gujaf-374	160	15	housing	housing	NOUN
gujaf-374	160	16	delivery	delivery	NOUN
gujaf-374	160	17	because	because	SCONJ
gujaf-374	160	18	the	the	DET
gujaf-374	160	19	explanatory	explanatory	ADJ
gujaf-374	160	20	power	power	NOUN
gujaf-374	160	21	is	be	AUX
gujaf-374	160	22	low	low	ADJ
gujaf-374	160	23	,	,	PUNCT
gujaf-374	160	24	suggesting	suggest	VERB
gujaf-374	160	25	that	that	SCONJ
gujaf-374	160	26	institutional	institutional	ADJ
gujaf-374	160	27	variables	variable	NOUN
gujaf-374	160	28	hinder	hinder	VERB
gujaf-374	160	29	mortgage	mortgage	NOUN
gujaf-374	160	30	finance	finance	NOUN
gujaf-374	160	31	's	's	PART
gujaf-374	160	32	effectiveness	effectiveness	NOUN
gujaf-374	160	33	in	in	ADP
gujaf-374	160	34	causing	cause	VERB
gujaf-374	160	35	housing	housing	NOUN
gujaf-374	160	36	delivery	delivery	NOUN
gujaf-374	160	37	.	.	PUNCT
gujaf-374	161	1	table	table	NOUN
gujaf-374	161	2	4	4	NUM
gujaf-374	161	3	:	:	PUNCT
gujaf-374	161	4	breusch	breusch	ADJ
gujaf-374	161	5	-	-	PUNCT
gujaf-374	161	6	pagan	pagan	ADJ
gujaf-374	161	7	-	-	PUNCT
gujaf-374	161	8	godfrey	godfrey	PROPN
gujaf-374	161	9	heteroskedasticity	heteroskedasticity	NOUN
gujaf-374	161	10	test	test	NOUN
gujaf-374	161	11	null	null	ADJ
gujaf-374	161	12	hypothesis	hypothesis	NOUN
gujaf-374	161	13	:	:	PUNCT
gujaf-374	161	14	homoskedasticity	homoskedasticity	NOUN
gujaf-374	161	15	f	f	X
gujaf-374	161	16	-	-	PUNCT
gujaf-374	161	17	statistic	statistic	VERB
gujaf-374	161	18	3.626388	3.626388	NUM
gujaf-374	161	19	prob	prob	NOUN
gujaf-374	161	20	.	.	PUNCT
gujaf-374	162	1	f(8,7	f(8,7	NOUN
gujaf-374	162	2	)	)	PUNCT
gujaf-374	162	3	0.0534	0.0534	NUM
gujaf-374	162	4	obs*r	obs*r	PROPN
gujaf-374	162	5	-	-	PUNCT
gujaf-374	162	6	squared	square	VERB
gujaf-374	162	7	12.88985	12.88985	NUM
gujaf-374	162	8	prob	prob	NOUN
gujaf-374	162	9	.	.	PUNCT
gujaf-374	163	1	chi	chi	NOUN
gujaf-374	163	2	-	-	PUNCT
gujaf-374	163	3	square(8	square(8	VERB
gujaf-374	163	4	)	)	PUNCT
gujaf-374	164	1	0.1157	0.1157	NUM
gujaf-374	164	2	scaled	scale	VERB
gujaf-374	164	3	explained	explain	VERB
gujaf-374	164	4	ss	ss	PROPN
gujaf-374	164	5	2.071236	2.071236	NUM
gujaf-374	164	6	prob	prob	NOUN
gujaf-374	164	7	.	.	PUNCT
gujaf-374	165	1	chi	chi	NOUN
gujaf-374	165	2	-	-	PUNCT
gujaf-374	165	3	square(8	square(8	VERB
gujaf-374	165	4	)	)	PUNCT
gujaf-374	166	1	0.9787	0.9787	NUM
gujaf-374	166	2	variable	variable	ADJ
gujaf-374	166	3	coefficient	coefficient	NOUN
gujaf-374	166	4	std	std	NOUN
gujaf-374	166	5	.	.	NOUN
gujaf-374	166	6	error	error	NOUN
gujaf-374	166	7	t	t	NOUN
gujaf-374	166	8	-	-	PUNCT
gujaf-374	166	9	statistic	statistic	NOUN
gujaf-374	166	10	prob	prob	NOUN
gujaf-374	166	11	.	.	PUNCT
gujaf-374	167	1	c	c	NOUN
gujaf-374	167	2	0.391208	0.391208	NUM
gujaf-374	167	3	1.004316	1.004316	NUM
gujaf-374	167	4	0.389527	0.389527	NUM
gujaf-374	167	5	0.7085	0.7085	NUM
gujaf-374	167	6	lnhdel(-1	lnhdel(-1	ADJ
gujaf-374	167	7	)	)	PUNCT
gujaf-374	167	8	0.152072	0.152072	NUM
gujaf-374	167	9	0.099201	0.099201	NUM
gujaf-374	167	10	1.532969	1.532969	NUM
gujaf-374	167	11	0.1691	0.1691	NUM
gujaf-374	167	12	lnhdel(-2	lnhdel(-2	NOUN
gujaf-374	167	13	)	)	PUNCT
gujaf-374	167	14	-0.156937	-0.156937	NOUN
gujaf-374	167	15	0.117706	0.117706	NUM
gujaf-374	167	16	-1.333295	-1.333295	NOUN
gujaf-374	167	17	0.2242	0.2242	NUM
gujaf-374	167	18	instmloan	instmloan	VERB
gujaf-374	167	19	0.410490	0.410490	NUM
gujaf-374	167	20	0.196688	0.196688	NUM
gujaf-374	167	21	2.087015	2.087015	NUM
gujaf-374	167	22	0.0753	0.0753	NUM
gujaf-374	167	23	instmloan(-1	instmloan(-1	ADJ
gujaf-374	167	24	)	)	PUNCT
gujaf-374	167	25	-0.390402	-0.390402	NOUN
gujaf-374	167	26	0.158352	0.158352	NUM
gujaf-374	167	27	-2.465401	-2.465401	NOUN
gujaf-374	167	28	0.1431	0.1431	NUM
gujaf-374	167	29	instmloan(-2	instmloan(-2	NOUN
gujaf-374	167	30	)	)	PUNCT
gujaf-374	167	31	0.017756	0.017756	NUM
gujaf-374	168	1	0.007225	0.007225	NUM
gujaf-374	168	2	2.457459	2.457459	NUM
gujaf-374	168	3	0.1436	0.1436	NUM
gujaf-374	168	4	instmequ	instmequ	NOUN
gujaf-374	168	5	-0.388538	-0.388538	NOUN
gujaf-374	168	6	0.107911	0.107911	NUM
gujaf-374	168	7	-3.600535	-3.600535	NOUN
gujaf-374	168	8	0.2087	0.2087	NUM
gujaf-374	168	9	gusau	gusau	ADJ
gujaf-374	168	10	journal	journal	NOUN
gujaf-374	168	11	of	of	ADP
gujaf-374	168	12	accounting	accounting	NOUN
gujaf-374	168	13	and	and	CCONJ
gujaf-374	168	14	finance	finance	NOUN
gujaf-374	168	15	,	,	PUNCT
gujaf-374	168	16	vol.6	vol.6	PROPN
gujaf-374	168	17	,	,	PUNCT
gujaf-374	168	18	issue	issue	NOUN
gujaf-374	168	19	1	1	NUM
gujaf-374	168	20	,	,	PUNCT
gujaf-374	168	21	april	april	PROPN
gujaf-374	168	22	,	,	PUNCT
gujaf-374	168	23	2025	2025	NUM
gujaf-374	168	24	147	147	NUM
gujaf-374	168	25	instmequ(-1	instmequ(-1	ADJ
gujaf-374	168	26	)	)	PUNCT
gujaf-374	168	27	0.356661	0.356661	NUM
gujaf-374	168	28	0.153964	0.153964	NUM
gujaf-374	168	29	2.316516	2.316516	NUM
gujaf-374	168	30	0.1537	0.1537	NUM
gujaf-374	168	31	instmint	instmint	NOUN
gujaf-374	168	32	-0.015040	-0.015040	X
gujaf-374	168	33	0.242041	0.242041	NUM
gujaf-374	168	34	-0.062139	-0.062139	NOUN
gujaf-374	168	35	0.9522	0.9522	NUM
gujaf-374	168	36	r	r	NOUN
gujaf-374	168	37	-	-	PUNCT
gujaf-374	168	38	squared	square	VERB
gujaf-374	168	39	0.805616	0.805616	NUM
gujaf-374	168	40	adjusted	adjusted	ADJ
gujaf-374	168	41	r	r	NOUN
gujaf-374	168	42	-	-	PUNCT
gujaf-374	168	43	squared	square	VERB
gujaf-374	168	44	0.583462	0.583462	NUM
gujaf-374	168	45	source	source	NOUN
gujaf-374	168	46	:	:	PUNCT
gujaf-374	168	47	author	author	NOUN
gujaf-374	168	48	’s	’s	PART
gujaf-374	168	49	computation	computation	NOUN
gujaf-374	168	50	(	(	PUNCT
gujaf-374	168	51	2025	2025	NUM
gujaf-374	168	52	)	)	PUNCT
gujaf-374	168	53	.	.	PUNCT
gujaf-374	169	1	table	table	NOUN
gujaf-374	169	2	4	4	NUM
gujaf-374	169	3	presents	present	NOUN
gujaf-374	169	4	result	result	NOUN
gujaf-374	169	5	of	of	ADP
gujaf-374	169	6	the	the	DET
gujaf-374	169	7	breusch	breusch	ADV
gujaf-374	169	8	-	-	PUNCT
gujaf-374	169	9	pagan	pagan	VERB
gujaf-374	169	10	-	-	PUNCT
gujaf-374	169	11	godfrey	godfrey	NOUN
gujaf-374	169	12	test	test	NOUN
gujaf-374	169	13	for	for	ADP
gujaf-374	169	14	model	model	NOUN
gujaf-374	169	15	three	three	NUM
gujaf-374	169	16	,	,	PUNCT
gujaf-374	169	17	which	which	PRON
gujaf-374	169	18	test	test	VERB
gujaf-374	169	19	for	for	ADP
gujaf-374	169	20	heteroskedasticity	heteroskedasticity	NOUN
gujaf-374	169	21	.	.	PUNCT
gujaf-374	170	1	the	the	DET
gujaf-374	170	2	null	null	ADJ
gujaf-374	170	3	hypothesis	hypothesis	NOUN
gujaf-374	170	4	in	in	ADP
gujaf-374	170	5	this	this	DET
gujaf-374	170	6	test	test	NOUN
gujaf-374	170	7	is	be	AUX
gujaf-374	170	8	that	that	SCONJ
gujaf-374	170	9	the	the	DET
gujaf-374	170	10	errors	error	NOUN
gujaf-374	170	11	are	be	AUX
gujaf-374	170	12	homoscedastic	homoscedastic	ADJ
gujaf-374	170	13	,	,	PUNCT
gujaf-374	170	14	meaning	mean	VERB
gujaf-374	170	15	that	that	SCONJ
gujaf-374	170	16	the	the	DET
gujaf-374	170	17	variance	variance	NOUN
gujaf-374	170	18	of	of	ADP
gujaf-374	170	19	the	the	DET
gujaf-374	170	20	errors	error	NOUN
gujaf-374	170	21	is	be	AUX
gujaf-374	170	22	constant	constant	ADJ
gujaf-374	170	23	across	across	ADP
gujaf-374	170	24	observations	observation	NOUN
gujaf-374	170	25	.	.	PUNCT
gujaf-374	171	1	the	the	DET
gujaf-374	171	2	f	f	NOUN
gujaf-374	171	3	-	-	PUNCT
gujaf-374	171	4	statistic	statistic	NOUN
gujaf-374	171	5	is	be	AUX
gujaf-374	171	6	3.626388	3.626388	NUM
gujaf-374	171	7	with	with	ADP
gujaf-374	171	8	a	a	DET
gujaf-374	171	9	p	p	NOUN
gujaf-374	171	10	-	-	PUNCT
gujaf-374	171	11	value	value	NOUN
gujaf-374	171	12	of	of	ADP
gujaf-374	171	13	0.0534	0.0534	NUM
gujaf-374	171	14	.	.	PUNCT
gujaf-374	172	1	since	since	SCONJ
gujaf-374	172	2	the	the	DET
gujaf-374	172	3	p	p	NOUN
gujaf-374	172	4	-	-	PUNCT
gujaf-374	172	5	value	value	NOUN
gujaf-374	172	6	is	be	AUX
gujaf-374	172	7	above	above	ADP
gujaf-374	172	8	the	the	DET
gujaf-374	172	9	typical	typical	ADJ
gujaf-374	172	10	significance	significance	NOUN
gujaf-374	172	11	level	level	NOUN
gujaf-374	172	12	of	of	ADP
gujaf-374	172	13	0.05	0.05	NUM
gujaf-374	172	14	,	,	PUNCT
gujaf-374	172	15	there	there	PRON
gujaf-374	172	16	is	be	VERB
gujaf-374	172	17	no	no	DET
gujaf-374	172	18	strong	strong	ADJ
gujaf-374	172	19	evidence	evidence	NOUN
gujaf-374	172	20	to	to	PART
gujaf-374	172	21	reject	reject	VERB
gujaf-374	172	22	the	the	DET
gujaf-374	172	23	null	null	ADJ
gujaf-374	172	24	hypothesis	hypothesis	NOUN
gujaf-374	172	25	of	of	ADP
gujaf-374	172	26	homoskedasticity	homoskedasticity	NOUN
gujaf-374	172	27	at	at	ADP
gujaf-374	172	28	the	the	DET
gujaf-374	172	29	5	5	NUM
gujaf-374	172	30	%	%	NOUN
gujaf-374	172	31	significance	significance	NOUN
gujaf-374	172	32	level	level	NOUN
gujaf-374	172	33	.	.	PUNCT
gujaf-374	173	1	the	the	DET
gujaf-374	173	2	p	p	NOUN
gujaf-374	173	3	-	-	PUNCT
gujaf-374	173	4	value	value	NOUN
gujaf-374	173	5	associated	associate	VERB
gujaf-374	173	6	with	with	ADP
gujaf-374	173	7	the	the	DET
gujaf-374	173	8	chi	chi	ADJ
gujaf-374	173	9	-	-	PUNCT
gujaf-374	173	10	square	square	ADJ
gujaf-374	173	11	distribution	distribution	NOUN
gujaf-374	173	12	is	be	AUX
gujaf-374	173	13	0.1157	0.1157	NUM
gujaf-374	173	14	,	,	PUNCT
gujaf-374	173	15	which	which	PRON
gujaf-374	173	16	is	be	AUX
gujaf-374	173	17	above	above	ADP
gujaf-374	173	18	0.05	0.05	NUM
gujaf-374	173	19	and	and	CCONJ
gujaf-374	173	20	indicates	indicate	VERB
gujaf-374	173	21	a	a	DET
gujaf-374	173	22	lack	lack	NOUN
gujaf-374	173	23	of	of	ADP
gujaf-374	173	24	significance	significance	NOUN
gujaf-374	173	25	.	.	PUNCT
gujaf-374	174	1	the	the	DET
gujaf-374	174	2	coefficient	coefficient	NOUN
gujaf-374	174	3	estimates	estimate	NOUN
gujaf-374	174	4	in	in	ADP
gujaf-374	174	5	the	the	DET
gujaf-374	174	6	test	test	NOUN
gujaf-374	174	7	equation	equation	NOUN
gujaf-374	174	8	;	;	PUNCT
gujaf-374	174	9	lnhdel(-1	lnhdel(-1	X
gujaf-374	174	10	):	):	PUNCT
gujaf-374	174	11	0.152072	0.152072	NUM
gujaf-374	174	12	,	,	PUNCT
gujaf-374	174	13	lnhdel(-2	lnhdel(-2	NOUN
gujaf-374	174	14	):	):	PUNCT
gujaf-374	174	15	-0.156937	-0.156937	ADJ
gujaf-374	174	16	,	,	PUNCT
gujaf-374	174	17	instmloan	instmloan	NOUN
gujaf-374	174	18	:	:	PUNCT
gujaf-374	174	19	0.410490	0.410490	NUM
gujaf-374	174	20	,	,	PUNCT
gujaf-374	174	21	instmloan(-1	instmloan(-1	ADJ
gujaf-374	174	22	):	):	PUNCT
gujaf-374	174	23	-0.390402	-0.390402	NOUN
gujaf-374	174	24	,	,	PUNCT
gujaf-374	174	25	instmloan(-2	instmloan(-2	NOUN
gujaf-374	174	26	):	):	PUNCT
gujaf-374	174	27	0.017756	0.017756	NUM
gujaf-374	174	28	,	,	PUNCT
gujaf-374	174	29	instmequ	instmequ	ADV
gujaf-374	174	30	:	:	PUNCT
gujaf-374	174	31	-0.388538	-0.388538	NOUN
gujaf-374	174	32	,	,	PUNCT
gujaf-374	174	33	instmequ(-1	instmequ(-1	NUM
gujaf-374	174	34	):	):	PUNCT
gujaf-374	174	35	0.356661	0.356661	NUM
gujaf-374	174	36	and	and	CCONJ
gujaf-374	174	37	instmint	instmint	NOUN
gujaf-374	174	38	:	:	PUNCT
gujaf-374	174	39	-0.015040	-0.015040	PROPN
gujaf-374	174	40	,	,	PUNCT
gujaf-374	174	41	suggest	suggest	VERB
gujaf-374	174	42	the	the	DET
gujaf-374	174	43	relationships	relationship	NOUN
gujaf-374	174	44	between	between	ADP
gujaf-374	174	45	the	the	DET
gujaf-374	174	46	variables	variable	NOUN
gujaf-374	174	47	and	and	CCONJ
gujaf-374	174	48	the	the	DET
gujaf-374	174	49	squared	square	VERB
gujaf-374	174	50	residuals	residual	NOUN
gujaf-374	174	51	.	.	PUNCT
gujaf-374	175	1	however	however	ADV
gujaf-374	175	2	,	,	PUNCT
gujaf-374	175	3	the	the	DET
gujaf-374	175	4	interpretation	interpretation	NOUN
gujaf-374	175	5	of	of	ADP
gujaf-374	175	6	these	these	DET
gujaf-374	175	7	coefficients	coefficient	NOUN
gujaf-374	175	8	in	in	ADP
gujaf-374	175	9	the	the	DET
gujaf-374	175	10	context	context	NOUN
gujaf-374	175	11	of	of	ADP
gujaf-374	175	12	the	the	DET
gujaf-374	175	13	test	test	NOUN
gujaf-374	175	14	for	for	ADP
gujaf-374	175	15	heteroskedasticity	heteroskedasticity	NOUN
gujaf-374	175	16	is	be	AUX
gujaf-374	175	17	not	not	PART
gujaf-374	175	18	straightforward	straightforward	ADJ
gujaf-374	175	19	and	and	CCONJ
gujaf-374	175	20	primarily	primarily	ADV
gujaf-374	175	21	focuses	focus	VERB
gujaf-374	175	22	on	on	ADP
gujaf-374	175	23	whether	whether	SCONJ
gujaf-374	175	24	the	the	DET
gujaf-374	175	25	overall	overall	ADJ
gujaf-374	175	26	test	test	NOUN
gujaf-374	175	27	results	result	NOUN
gujaf-374	175	28	reject	reject	VERB
gujaf-374	175	29	the	the	DET
gujaf-374	175	30	null	null	ADJ
gujaf-374	175	31	hypothesis	hypothesis	NOUN
gujaf-374	175	32	of	of	ADP
gujaf-374	175	33	homoskedasticity	homoskedasticity	NOUN
gujaf-374	175	34	.	.	PUNCT
gujaf-374	176	1	therefore	therefore	ADV
gujaf-374	176	2	,	,	PUNCT
gujaf-374	176	3	based	base	VERB
gujaf-374	176	4	on	on	ADP
gujaf-374	176	5	the	the	DET
gujaf-374	176	6	breusch	breusch	ADV
gujaf-374	176	7	-	-	PUNCT
gujaf-374	176	8	pagan	pagan	VERB
gujaf-374	176	9	-	-	PUNCT
gujaf-374	176	10	godfrey	godfrey	NOUN
gujaf-374	176	11	test	test	NOUN
gujaf-374	176	12	results	result	NOUN
gujaf-374	176	13	,	,	PUNCT
gujaf-374	176	14	there	there	PRON
gujaf-374	176	15	is	be	VERB
gujaf-374	176	16	insufficient	insufficient	ADJ
gujaf-374	176	17	evidence	evidence	NOUN
gujaf-374	176	18	to	to	PART
gujaf-374	176	19	reject	reject	VERB
gujaf-374	176	20	the	the	DET
gujaf-374	176	21	null	null	ADJ
gujaf-374	176	22	hypothesis	hypothesis	NOUN
gujaf-374	176	23	of	of	ADP
gujaf-374	176	24	homoskedasticity	homoskedasticity	NOUN
gujaf-374	176	25	at	at	ADP
gujaf-374	176	26	the	the	DET
gujaf-374	176	27	5	5	NUM
gujaf-374	176	28	%	%	NOUN
gujaf-374	176	29	significance	significance	NOUN
gujaf-374	176	30	level	level	NOUN
gujaf-374	176	31	.	.	PUNCT
gujaf-374	177	1	this	this	PRON
gujaf-374	177	2	suggests	suggest	VERB
gujaf-374	177	3	that	that	SCONJ
gujaf-374	177	4	the	the	DET
gujaf-374	177	5	errors	error	NOUN
gujaf-374	177	6	in	in	ADP
gujaf-374	177	7	the	the	DET
gujaf-374	177	8	model	model	NOUN
gujaf-374	177	9	may	may	AUX
gujaf-374	177	10	exhibit	exhibit	VERB
gujaf-374	177	11	homoskedasticity	homoskedasticity	NOUN
gujaf-374	177	12	,	,	PUNCT
gujaf-374	177	13	meaning	mean	VERB
gujaf-374	177	14	that	that	SCONJ
gujaf-374	177	15	the	the	DET
gujaf-374	177	16	variance	variance	NOUN
gujaf-374	177	17	of	of	ADP
gujaf-374	177	18	the	the	DET
gujaf-374	177	19	errors	error	NOUN
gujaf-374	177	20	is	be	AUX
gujaf-374	177	21	constant	constant	ADJ
gujaf-374	177	22	across	across	ADP
gujaf-374	177	23	observations	observation	NOUN
gujaf-374	177	24	.	.	PUNCT
gujaf-374	178	1	figure	figure	VERB
gujaf-374	178	2	1	1	NUM
gujaf-374	178	3	:	:	PUNCT
gujaf-374	178	4	cusum	cusum	NOUN
gujaf-374	178	5	test	test	NOUN
gujaf-374	178	6	-10.0	-10.0	PROPN
gujaf-374	178	7	-7.5	-7.5	NOUN
gujaf-374	178	8	-5.0	-5.0	PUNCT
gujaf-374	178	9	-2.5	-2.5	ADP
gujaf-374	178	10	0.0	0.0	NUM
gujaf-374	178	11	2.5	2.5	NUM
gujaf-374	178	12	5.0	5.0	NUM
gujaf-374	178	13	7.5	7.5	NUM
gujaf-374	178	14	10.0	10.0	NUM
gujaf-374	178	15	2015	2015	NUM
gujaf-374	178	16	2016	2016	NUM
gujaf-374	178	17	2017	2017	NUM
gujaf-374	178	18	2018	2018	NUM
gujaf-374	178	19	2019	2019	NUM
gujaf-374	178	20	2020	2020	NUM
gujaf-374	178	21	2021	2021	NUM
gujaf-374	178	22	2022	2022	NUM
gujaf-374	178	23	cusum	cusum	NOUN
gujaf-374	178	24	5	5	NUM
gujaf-374	178	25	%	%	NOUN
gujaf-374	178	26	significance	significance	NOUN
gujaf-374	178	27	source	source	NOUN
gujaf-374	178	28	:	:	PUNCT
gujaf-374	178	29	author	author	NOUN
gujaf-374	178	30	’s	’s	PART
gujaf-374	178	31	computation	computation	NOUN
gujaf-374	178	32	(	(	PUNCT
gujaf-374	178	33	2025	2025	NUM
gujaf-374	178	34	)	)	PUNCT
gujaf-374	178	35	.	.	PUNCT
gujaf-374	179	1	gusau	gusau	PROPN
gujaf-374	179	2	journal	journal	PROPN
gujaf-374	179	3	of	of	ADP
gujaf-374	179	4	accounting	accounting	NOUN
gujaf-374	179	5	and	and	CCONJ
gujaf-374	179	6	finance	finance	NOUN
gujaf-374	179	7	,	,	PUNCT
gujaf-374	179	8	vol.6	vol.6	PROPN
gujaf-374	179	9	,	,	PUNCT
gujaf-374	179	10	issue	issue	NOUN
gujaf-374	179	11	1	1	NUM
gujaf-374	179	12	,	,	PUNCT
gujaf-374	179	13	april	april	PROPN
gujaf-374	179	14	,	,	PUNCT
gujaf-374	179	15	2025	2025	NUM
gujaf-374	179	16	148	148	NUM
gujaf-374	179	17	in	in	ADP
gujaf-374	179	18	this	this	DET
gujaf-374	179	19	study	study	NOUN
gujaf-374	179	20	,	,	PUNCT
gujaf-374	179	21	the	the	DET
gujaf-374	179	22	stability	stability	NOUN
gujaf-374	179	23	of	of	ADP
gujaf-374	179	24	the	the	DET
gujaf-374	179	25	chosen	choose	VERB
gujaf-374	179	26	ardl	ardl	NOUN
gujaf-374	179	27	model	model	NOUN
gujaf-374	179	28	was	be	AUX
gujaf-374	179	29	tested	test	VERB
gujaf-374	179	30	using	use	VERB
gujaf-374	179	31	the	the	DET
gujaf-374	179	32	cumulative	cumulative	ADJ
gujaf-374	179	33	sums	sum	NOUN
gujaf-374	179	34	of	of	ADP
gujaf-374	179	35	recursive	recursive	ADJ
gujaf-374	179	36	residuals	residual	NOUN
gujaf-374	179	37	(	(	PUNCT
gujaf-374	179	38	cusum	cusum	NOUN
gujaf-374	179	39	)	)	PUNCT
gujaf-374	179	40	stability	stability	NOUN
gujaf-374	179	41	testing	testing	NOUN
gujaf-374	179	42	.	.	PUNCT
gujaf-374	180	1	the	the	DET
gujaf-374	180	2	technique	technique	NOUN
gujaf-374	180	3	was	be	AUX
gujaf-374	180	4	introduced	introduce	VERB
gujaf-374	180	5	by	by	ADP
gujaf-374	180	6	brown	brown	PROPN
gujaf-374	180	7	et	et	PROPN
gujaf-374	180	8	al	al	PROPN
gujaf-374	180	9	.	.	PUNCT
gujaf-374	181	1	(	(	PUNCT
gujaf-374	181	2	1975	1975	NUM
gujaf-374	181	3	)	)	PUNCT
gujaf-374	181	4	.	.	PUNCT
gujaf-374	182	1	figures	figure	VERB
gujaf-374	182	2	4.3	4.3	NUM
gujaf-374	182	3	depict	depict	NOUN
gujaf-374	182	4	the	the	DET
gujaf-374	182	5	cusum	cusum	NOUN
gujaf-374	182	6	plots	plot	NOUN
gujaf-374	182	7	,	,	PUNCT
gujaf-374	182	8	respectively	respectively	ADV
gujaf-374	182	9	.	.	PUNCT
gujaf-374	183	1	the	the	DET
gujaf-374	183	2	cumulative	cumulative	ADJ
gujaf-374	183	3	sum	sum	NOUN
gujaf-374	183	4	test	test	NOUN
gujaf-374	183	5	was	be	AUX
gujaf-374	183	6	utilized	utilize	VERB
gujaf-374	183	7	to	to	PART
gujaf-374	183	8	determine	determine	VERB
gujaf-374	183	9	if	if	SCONJ
gujaf-374	183	10	the	the	DET
gujaf-374	183	11	regression	regression	NOUN
gujaf-374	183	12	coefficients	coefficient	NOUN
gujaf-374	183	13	are	be	AUX
gujaf-374	183	14	systematically	systematically	ADV
gujaf-374	183	15	changing	change	VERB
gujaf-374	183	16	,	,	PUNCT
gujaf-374	183	17	while	while	SCONJ
gujaf-374	183	18	the	the	DET
gujaf-374	183	19	cumulative	cumulative	ADJ
gujaf-374	183	20	sum	sum	NOUN
gujaf-374	183	21	of	of	ADP
gujaf-374	183	22	squares	square	NOUN
gujaf-374	183	23	test	test	NOUN
gujaf-374	183	24	was	be	AUX
gujaf-374	183	25	utilized	utilize	VERB
gujaf-374	183	26	to	to	PART
gujaf-374	183	27	identify	identify	VERB
gujaf-374	183	28	the	the	DET
gujaf-374	183	29	possibility	possibility	NOUN
gujaf-374	183	30	of	of	ADP
gujaf-374	183	31	sudden	sudden	ADJ
gujaf-374	183	32	changes	change	NOUN
gujaf-374	183	33	in	in	ADP
gujaf-374	183	34	the	the	DET
gujaf-374	183	35	regression	regression	NOUN
gujaf-374	183	36	coefficients	coefficient	NOUN
gujaf-374	183	37	(	(	PUNCT
gujaf-374	183	38	bhatti	bhatti	PROPN
gujaf-374	183	39	et	et	PROPN
gujaf-374	183	40	al	al	PROPN
gujaf-374	183	41	.	.	PROPN
gujaf-374	183	42	,	,	PUNCT
gujaf-374	183	43	2006	2006	NUM
gujaf-374	183	44	)	)	PUNCT
gujaf-374	183	45	.	.	PUNCT
gujaf-374	184	1	the	the	DET
gujaf-374	184	2	plots	plot	NOUN
gujaf-374	184	3	were	be	AUX
gujaf-374	184	4	evaluated	evaluate	VERB
gujaf-374	184	5	at	at	ADP
gujaf-374	184	6	a	a	DET
gujaf-374	184	7	5	5	NUM
gujaf-374	184	8	percent	percent	NOUN
gujaf-374	184	9	level	level	NOUN
gujaf-374	184	10	of	of	ADP
gujaf-374	184	11	significance	significance	NOUN
gujaf-374	184	12	,	,	PUNCT
gujaf-374	184	13	and	and	CCONJ
gujaf-374	184	14	both	both	PRON
gujaf-374	184	15	remained	remain	VERB
gujaf-374	184	16	within	within	ADP
gujaf-374	184	17	the	the	DET
gujaf-374	184	18	critical	critical	ADJ
gujaf-374	184	19	bounds	bound	NOUN
gujaf-374	184	20	,	,	PUNCT
gujaf-374	184	21	indicating	indicate	VERB
gujaf-374	184	22	that	that	SCONJ
gujaf-374	184	23	the	the	DET
gujaf-374	184	24	model	model	NOUN
gujaf-374	184	25	is	be	AUX
gujaf-374	184	26	structurally	structurally	ADV
gujaf-374	184	27	stable	stable	ADJ
gujaf-374	184	28	.	.	PUNCT
gujaf-374	185	1	therefore	therefore	ADV
gujaf-374	185	2	,	,	PUNCT
gujaf-374	185	3	we	we	PRON
gujaf-374	185	4	concluded	conclude	VERB
gujaf-374	185	5	that	that	SCONJ
gujaf-374	185	6	there	there	PRON
gujaf-374	185	7	is	be	VERB
gujaf-374	185	8	no	no	DET
gujaf-374	185	9	structural	structural	ADJ
gujaf-374	185	10	break	break	NOUN
gujaf-374	185	11	,	,	PUNCT
gujaf-374	185	12	and	and	CCONJ
gujaf-374	185	13	the	the	DET
gujaf-374	185	14	parameters	parameter	NOUN
gujaf-374	185	15	are	be	AUX
gujaf-374	185	16	stable	stable	ADJ
gujaf-374	185	17	.	.	PUNCT
gujaf-374	186	1	discussion	discussion	NOUN
gujaf-374	186	2	the	the	DET
gujaf-374	186	3	research	research	NOUN
gujaf-374	186	4	reveals	reveal	VERB
gujaf-374	186	5	a	a	DET
gujaf-374	186	6	positive	positive	ADJ
gujaf-374	186	7	relationship	relationship	NOUN
gujaf-374	186	8	between	between	ADP
gujaf-374	186	9	mortgage	mortgage	NOUN
gujaf-374	186	10	finance	finance	NOUN
gujaf-374	186	11	and	and	CCONJ
gujaf-374	186	12	housing	housing	NOUN
gujaf-374	186	13	development	development	NOUN
gujaf-374	186	14	in	in	ADP
gujaf-374	186	15	nigeria	nigeria	PROPN
gujaf-374	186	16	,	,	PUNCT
gujaf-374	186	17	with	with	ADP
gujaf-374	186	18	increased	increase	VERB
gujaf-374	186	19	access	access	NOUN
gujaf-374	186	20	to	to	ADP
gujaf-374	186	21	mortgage	mortgage	NOUN
gujaf-374	186	22	loans	loan	NOUN
gujaf-374	186	23	promoting	promote	VERB
gujaf-374	186	24	housing	housing	NOUN
gujaf-374	186	25	delivery	delivery	NOUN
gujaf-374	186	26	,	,	PUNCT
gujaf-374	186	27	a	a	DET
gujaf-374	186	28	finding	finding	NOUN
gujaf-374	186	29	consistent	consistent	ADJ
gujaf-374	186	30	with	with	ADP
gujaf-374	186	31	that	that	PRON
gujaf-374	186	32	of	of	ADP
gujaf-374	186	33	laura	laura	PROPN
gujaf-374	186	34	,	,	PUNCT
gujaf-374	186	35	et	et	PROPN
gujaf-374	186	36	al	al	PROPN
gujaf-374	186	37	(	(	PUNCT
gujaf-374	186	38	2023	2023	NUM
gujaf-374	186	39	)	)	PUNCT
gujaf-374	186	40	,	,	PUNCT
gujaf-374	186	41	kioko	kioko	NOUN
gujaf-374	186	42	(	(	PUNCT
gujaf-374	186	43	2020	2020	NUM
gujaf-374	186	44	)	)	PUNCT
gujaf-374	186	45	,	,	PUNCT
gujaf-374	186	46	and	and	CCONJ
gujaf-374	186	47	okolie	okolie	NOUN
gujaf-374	186	48	and	and	CCONJ
gujaf-374	186	49	erhijakpor	erhijakpor	NOUN
gujaf-374	186	50	(	(	PUNCT
gujaf-374	186	51	2020	2020	NUM
gujaf-374	186	52	)	)	PUNCT
gujaf-374	186	53	.	.	PUNCT
gujaf-374	187	1	however	however	ADV
gujaf-374	187	2	,	,	PUNCT
gujaf-374	187	3	this	this	DET
gujaf-374	187	4	effect	effect	NOUN
gujaf-374	187	5	is	be	AUX
gujaf-374	187	6	delayed	delay	VERB
gujaf-374	187	7	,	,	PUNCT
gujaf-374	187	8	suggesting	suggest	VERB
gujaf-374	187	9	that	that	SCONJ
gujaf-374	187	10	immediate	immediate	ADJ
gujaf-374	187	11	benefits	benefit	NOUN
gujaf-374	187	12	are	be	AUX
gujaf-374	187	13	not	not	PART
gujaf-374	187	14	immediately	immediately	ADV
gujaf-374	187	15	reflected	reflect	VERB
gujaf-374	187	16	in	in	ADP
gujaf-374	187	17	housing	housing	NOUN
gujaf-374	187	18	development	development	NOUN
gujaf-374	187	19	.	.	PUNCT
gujaf-374	188	1	institutional	institutional	ADJ
gujaf-374	188	2	factors	factor	NOUN
gujaf-374	188	3	,	,	PUNCT
gujaf-374	188	4	such	such	ADJ
gujaf-374	188	5	as	as	ADP
gujaf-374	188	6	government	government	NOUN
gujaf-374	188	7	effectiveness	effectiveness	NOUN
gujaf-374	188	8	and	and	CCONJ
gujaf-374	188	9	corruption	corruption	NOUN
gujaf-374	188	10	,	,	PUNCT
gujaf-374	188	11	have	have	VERB
gujaf-374	188	12	a	a	DET
gujaf-374	188	13	predominantly	predominantly	ADV
gujaf-374	188	14	negative	negative	ADJ
gujaf-374	188	15	effect	effect	NOUN
gujaf-374	188	16	on	on	ADP
gujaf-374	188	17	housing	housing	NOUN
gujaf-374	188	18	delivery	delivery	NOUN
gujaf-374	188	19	,	,	PUNCT
gujaf-374	188	20	which	which	PRON
gujaf-374	188	21	aligns	align	VERB
gujaf-374	188	22	with	with	ADP
gujaf-374	188	23	the	the	DET
gujaf-374	188	24	findings	finding	NOUN
gujaf-374	188	25	of	of	ADP
gujaf-374	188	26	nataliya	nataliya	PROPN
gujaf-374	188	27	,	,	PUNCT
gujaf-374	188	28	et	et	PROPN
gujaf-374	188	29	al	al	PROPN
gujaf-374	188	30	(	(	PUNCT
gujaf-374	188	31	2023	2023	NUM
gujaf-374	188	32	)	)	PUNCT
gujaf-374	188	33	and	and	CCONJ
gujaf-374	188	34	osifalujo	osifalujo	NOUN
gujaf-374	188	35	,	,	PUNCT
gujaf-374	188	36	omotilewa	omotilewa	NOUN
gujaf-374	188	37	and	and	CCONJ
gujaf-374	188	38	adesola	adesola	PROPN
gujaf-374	188	39	(	(	PUNCT
gujaf-374	188	40	2022	2022	NUM
gujaf-374	188	41	)	)	PUNCT
gujaf-374	188	42	.	.	PUNCT
gujaf-374	189	1	it	it	PRON
gujaf-374	189	2	however	however	ADV
gujaf-374	189	3	contravened	contravene	VERB
gujaf-374	189	4	the	the	DET
gujaf-374	189	5	findings	finding	NOUN
gujaf-374	189	6	of	of	ADP
gujaf-374	189	7	ekeocha	ekeocha	PROPN
gujaf-374	189	8	,	,	PUNCT
gujaf-374	189	9	ogbuabor	ogbuabor	PROPN
gujaf-374	189	10	,	,	PUNCT
gujaf-374	189	11	ekeocha	ekeocha	NOUN
gujaf-374	189	12	and	and	CCONJ
gujaf-374	189	13	orji	orji	NOUN
gujaf-374	189	14	(	(	PUNCT
gujaf-374	189	15	2023	2023	NUM
gujaf-374	189	16	)	)	PUNCT
gujaf-374	189	17	,	,	PUNCT
gujaf-374	189	18	who	who	PRON
gujaf-374	189	19	found	find	VERB
gujaf-374	189	20	that	that	SCONJ
gujaf-374	189	21	the	the	DET
gujaf-374	189	22	impact	impact	NOUN
gujaf-374	189	23	of	of	ADP
gujaf-374	189	24	institutional	institutional	ADJ
gujaf-374	189	25	factors	factor	NOUN
gujaf-374	189	26	on	on	ADP
gujaf-374	189	27	aggregate	aggregate	ADJ
gujaf-374	189	28	performance	performance	NOUN
gujaf-374	189	29	is	be	AUX
gujaf-374	189	30	muted	mute	VERB
gujaf-374	189	31	.	.	PUNCT
gujaf-374	190	1	this	this	DET
gujaf-374	190	2	highlights	highlight	VERB
gujaf-374	190	3	the	the	DET
gujaf-374	190	4	need	need	NOUN
gujaf-374	190	5	for	for	ADP
gujaf-374	190	6	improved	improved	ADJ
gujaf-374	190	7	governance	governance	NOUN
gujaf-374	190	8	and	and	CCONJ
gujaf-374	190	9	addressing	address	VERB
gujaf-374	190	10	these	these	DET
gujaf-374	190	11	issues	issue	NOUN
gujaf-374	190	12	to	to	PART
gujaf-374	190	13	ensure	ensure	VERB
gujaf-374	190	14	the	the	DET
gujaf-374	190	15	successful	successful	ADJ
gujaf-374	190	16	implementation	implementation	NOUN
gujaf-374	190	17	of	of	ADP
gujaf-374	190	18	mortgage	mortgage	NOUN
gujaf-374	190	19	finance	finance	NOUN
gujaf-374	190	20	in	in	ADP
gujaf-374	190	21	nigeria	nigeria	PROPN
gujaf-374	190	22	's	's	PART
gujaf-374	190	23	housing	housing	NOUN
gujaf-374	190	24	sector	sector	NOUN
gujaf-374	190	25	.	.	PUNCT
gujaf-374	191	1	the	the	DET
gujaf-374	191	2	study	study	NOUN
gujaf-374	191	3	indicates	indicate	VERB
gujaf-374	191	4	that	that	SCONJ
gujaf-374	191	5	improved	improved	ADJ
gujaf-374	191	6	governance	governance	NOUN
gujaf-374	191	7	and	and	CCONJ
gujaf-374	191	8	regulatory	regulatory	ADJ
gujaf-374	191	9	quality	quality	NOUN
gujaf-374	191	10	can	can	AUX
gujaf-374	191	11	improve	improve	VERB
gujaf-374	191	12	housing	housing	NOUN
gujaf-374	191	13	development	development	NOUN
gujaf-374	191	14	outcomes	outcome	NOUN
gujaf-374	191	15	.	.	PUNCT
gujaf-374	192	1	however	however	ADV
gujaf-374	192	2	,	,	PUNCT
gujaf-374	192	3	past	past	ADP
gujaf-374	192	4	governance	governance	NOUN
gujaf-374	192	5	issues	issue	NOUN
gujaf-374	192	6	can	can	AUX
gujaf-374	192	7	persist	persist	VERB
gujaf-374	192	8	,	,	PUNCT
gujaf-374	192	9	indicating	indicate	VERB
gujaf-374	192	10	a	a	DET
gujaf-374	192	11	time	time	NOUN
gujaf-374	192	12	-	-	PUNCT
gujaf-374	192	13	lagged	lag	VERB
gujaf-374	192	14	response	response	NOUN
gujaf-374	192	15	to	to	ADP
gujaf-374	192	16	improvements	improvement	NOUN
gujaf-374	192	17	.	.	PUNCT
gujaf-374	193	1	while	while	SCONJ
gujaf-374	193	2	there	there	PRON
gujaf-374	193	3	is	be	VERB
gujaf-374	193	4	potential	potential	ADJ
gujaf-374	193	5	for	for	ADP
gujaf-374	193	6	institutional	institutional	ADJ
gujaf-374	193	7	enhancements	enhancement	NOUN
gujaf-374	193	8	,	,	PUNCT
gujaf-374	193	9	the	the	DET
gujaf-374	193	10	journey	journey	NOUN
gujaf-374	193	11	may	may	AUX
gujaf-374	193	12	complex	complex	VERB
gujaf-374	193	13	and	and	CCONJ
gujaf-374	193	14	requires	require	VERB
gujaf-374	193	15	sustained	sustained	ADJ
gujaf-374	193	16	efforts	effort	NOUN
gujaf-374	193	17	to	to	PART
gujaf-374	193	18	sail	sail	VERB
gujaf-374	193	19	through	through	ADP
gujaf-374	193	20	.	.	PUNCT
gujaf-374	194	1	the	the	DET
gujaf-374	194	2	ardl	ardl	NOUN
gujaf-374	194	3	long	long	ADV
gujaf-374	194	4	-	-	PUNCT
gujaf-374	194	5	run	run	VERB
gujaf-374	194	6	form	form	NOUN
gujaf-374	194	7	and	and	CCONJ
gujaf-374	194	8	bounds	bound	NOUN
gujaf-374	194	9	test	test	NOUN
gujaf-374	194	10	suggests	suggest	VERB
gujaf-374	194	11	there	there	PRON
gujaf-374	194	12	is	be	VERB
gujaf-374	194	13	no	no	DET
gujaf-374	194	14	strong	strong	ADJ
gujaf-374	194	15	long	long	ADJ
gujaf-374	194	16	-	-	PUNCT
gujaf-374	194	17	term	term	NOUN
gujaf-374	194	18	relationship	relationship	NOUN
gujaf-374	194	19	between	between	ADP
gujaf-374	194	20	variables	variable	NOUN
gujaf-374	194	21	,	,	PUNCT
gujaf-374	194	22	suggesting	suggest	VERB
gujaf-374	194	23	immediate	immediate	ADJ
gujaf-374	194	24	interactions	interaction	NOUN
gujaf-374	194	25	between	between	ADP
gujaf-374	194	26	mortgage	mortgage	NOUN
gujaf-374	194	27	finance	finance	NOUN
gujaf-374	194	28	and	and	CCONJ
gujaf-374	194	29	housing	housing	NOUN
gujaf-374	194	30	development	development	NOUN
gujaf-374	194	31	are	be	AUX
gujaf-374	194	32	limited	limit	VERB
gujaf-374	194	33	by	by	ADP
gujaf-374	194	34	structural	structural	ADJ
gujaf-374	194	35	challenges	challenge	NOUN
gujaf-374	194	36	related	relate	VERB
gujaf-374	194	37	to	to	ADP
gujaf-374	194	38	governance	governance	NOUN
gujaf-374	194	39	and	and	CCONJ
gujaf-374	194	40	institutional	institutional	ADJ
gujaf-374	194	41	quality	quality	NOUN
gujaf-374	194	42	.	.	PUNCT
gujaf-374	195	1	5.0	5.0	NUM
gujaf-374	195	2	conclusion	conclusion	NOUN
gujaf-374	195	3	the	the	DET
gujaf-374	195	4	x	x	NOUN
gujaf-374	195	5	-	-	NOUN
gujaf-374	195	6	ray	ray	NOUN
gujaf-374	195	7	of	of	ADP
gujaf-374	195	8	nigeria	nigeria	PROPN
gujaf-374	195	9	's	's	PART
gujaf-374	195	10	mortgage	mortgage	NOUN
gujaf-374	195	11	financing	financing	NOUN
gujaf-374	195	12	and	and	CCONJ
gujaf-374	195	13	housing	housing	NOUN
gujaf-374	195	14	development	development	NOUN
gujaf-374	195	15	dynamics	dynamic	NOUN
gujaf-374	195	16	emphasizes	emphasize	VERB
gujaf-374	195	17	its	its	PRON
gujaf-374	195	18	significance	significance	NOUN
gujaf-374	195	19	,	,	PUNCT
gujaf-374	195	20	including	include	VERB
gujaf-374	195	21	the	the	DET
gujaf-374	195	22	interplay	interplay	NOUN
gujaf-374	195	23	of	of	ADP
gujaf-374	195	24	institutional	institutional	ADJ
gujaf-374	195	25	factors	factor	NOUN
gujaf-374	195	26	in	in	ADP
gujaf-374	195	27	conversations	conversation	NOUN
gujaf-374	195	28	on	on	ADP
gujaf-374	195	29	mortgage	mortgage	NOUN
gujaf-374	195	30	finance	finance	NOUN
gujaf-374	195	31	.	.	PUNCT
gujaf-374	196	1	institutional	institutional	ADJ
gujaf-374	196	2	inefficiencies	inefficiency	NOUN
gujaf-374	196	3	robs	rob	VERB
gujaf-374	196	4	off	off	ADP
gujaf-374	196	5	the	the	DET
gujaf-374	196	6	beneficial	beneficial	ADJ
gujaf-374	196	7	effects	effect	NOUN
gujaf-374	196	8	of	of	ADP
gujaf-374	196	9	mortgage	mortgage	NOUN
gujaf-374	196	10	financing	financing	NOUN
gujaf-374	196	11	on	on	ADP
gujaf-374	196	12	housing	housing	NOUN
gujaf-374	196	13	development	development	NOUN
gujaf-374	196	14	,	,	PUNCT
gujaf-374	196	15	suggesting	suggest	VERB
gujaf-374	196	16	that	that	SCONJ
gujaf-374	196	17	a	a	DET
gujaf-374	196	18	strengthened	strengthen	VERB
gujaf-374	196	19	institutional	institutional	ADJ
gujaf-374	196	20	frameworks	framework	NOUN
gujaf-374	196	21	and	and	CCONJ
gujaf-374	196	22	good	good	ADJ
gujaf-374	196	23	governance	governance	NOUN
gujaf-374	196	24	is	be	AUX
gujaf-374	196	25	essential	essential	ADJ
gujaf-374	196	26	to	to	ADP
gujaf-374	196	27	enhancing	enhance	VERB
gujaf-374	196	28	the	the	DET
gujaf-374	196	29	growth	growth	NOUN
gujaf-374	196	30	of	of	ADP
gujaf-374	196	31	the	the	DET
gujaf-374	196	32	housing	housing	NOUN
gujaf-374	196	33	sector	sector	NOUN
gujaf-374	196	34	.	.	PUNCT
gujaf-374	197	1	to	to	PART
gujaf-374	197	2	reduce	reduce	VERB
gujaf-374	197	3	institutional	institutional	ADJ
gujaf-374	197	4	weakness	weakness	NOUN
gujaf-374	197	5	and	and	CCONJ
gujaf-374	197	6	encourage	encourage	VERB
gujaf-374	197	7	efficiency	efficiency	NOUN
gujaf-374	197	8	in	in	ADP
gujaf-374	197	9	the	the	DET
gujaf-374	197	10	mortgage	mortgage	NOUN
gujaf-374	197	11	financing	financing	NOUN
gujaf-374	197	12	system	system	NOUN
gujaf-374	197	13	,	,	PUNCT
gujaf-374	197	14	effective	effective	ADJ
gujaf-374	197	15	governance	governance	NOUN
gujaf-374	197	16	framework	framework	NOUN
gujaf-374	197	17	must	must	AUX
gujaf-374	197	18	be	be	AUX
gujaf-374	197	19	accorded	accord	VERB
gujaf-374	197	20	top	top	ADJ
gujaf-374	197	21	priority	priority	NOUN
gujaf-374	197	22	.	.	PUNCT
gujaf-374	198	1	this	this	PRON
gujaf-374	198	2	includes	include	VERB
gujaf-374	198	3	:	:	PUNCT
gujaf-374	198	4	i.	i.	NOUN
gujaf-374	198	5	implementation	implementation	NOUN
gujaf-374	198	6	of	of	ADP
gujaf-374	198	7	stringent	stringent	ADJ
gujaf-374	198	8	anti	anti	ADJ
gujaf-374	198	9	-	-	ADJ
gujaf-374	198	10	corruption	corruption	ADJ
gujaf-374	198	11	measures	measure	NOUN
gujaf-374	198	12	,	,	PUNCT
gujaf-374	198	13	ensuring	ensure	VERB
gujaf-374	198	14	a	a	DET
gujaf-374	198	15	more	more	ADV
gujaf-374	198	16	transparent	transparent	ADJ
gujaf-374	198	17	mortgage	mortgage	NOUN
gujaf-374	198	18	loan	loan	NOUN
gujaf-374	198	19	application	application	NOUN
gujaf-374	198	20	and	and	CCONJ
gujaf-374	198	21	approval	approval	NOUN
gujaf-374	198	22	process	process	NOUN
gujaf-374	198	23	,	,	PUNCT
gujaf-374	198	24	and	and	CCONJ
gujaf-374	198	25	expediting	expedite	VERB
gujaf-374	198	26	bureaucratic	bureaucratic	ADJ
gujaf-374	198	27	processes	process	NOUN
gujaf-374	198	28	.	.	PUNCT
gujaf-374	199	1	ii	ii	PROPN
gujaf-374	199	2	.	.	PUNCT
gujaf-374	200	1	building	building	NOUN
gujaf-374	200	2	of	of	ADP
gujaf-374	200	3	an	an	DET
gujaf-374	200	4	integrated	integrated	ADJ
gujaf-374	200	5	approach	approach	NOUN
gujaf-374	200	6	to	to	ADP
gujaf-374	200	7	housing	housing	NOUN
gujaf-374	200	8	development	development	NOUN
gujaf-374	200	9	that	that	PRON
gujaf-374	200	10	incorporates	incorporate	VERB
gujaf-374	200	11	not	not	PART
gujaf-374	200	12	just	just	ADV
gujaf-374	200	13	financing	financing	NOUN
gujaf-374	200	14	but	but	CCONJ
gujaf-374	200	15	also	also	ADV
gujaf-374	200	16	institutions	institution	NOUN
gujaf-374	200	17	,	,	PUNCT
gujaf-374	200	18	several	several	ADJ
gujaf-374	200	19	stakeholders	stakeholder	NOUN
gujaf-374	200	20	,	,	PUNCT
gujaf-374	200	21	including	include	VERB
gujaf-374	200	22	government	government	NOUN
gujaf-374	200	23	agencies	agency	NOUN
gujaf-374	200	24	,	,	PUNCT
gujaf-374	200	25	citizens	citizen	NOUN
gujaf-374	200	26	,	,	PUNCT
gujaf-374	200	27	professionals	professional	NOUN
gujaf-374	200	28	and	and	CCONJ
gujaf-374	200	29	civil	civil	ADJ
gujaf-374	200	30	society	society	NOUN
gujaf-374	200	31	organizations	organization	NOUN
gujaf-374	200	32	should	should	AUX
gujaf-374	200	33	work	work	VERB
gujaf-374	200	34	together	together	ADV
gujaf-374	200	35	to	to	PART
gujaf-374	200	36	advocate	advocate	VERB
gujaf-374	200	37	for	for	ADP
gujaf-374	200	38	a	a	DET
gujaf-374	200	39	reduced	reduced	ADJ
gujaf-374	200	40	interest	interest	NOUN
gujaf-374	200	41	rate	rate	NOUN
gujaf-374	200	42	and	and	CCONJ
gujaf-374	200	43	improved	improved	ADJ
gujaf-374	200	44	equity	equity	NOUN
gujaf-374	200	45	contribution	contribution	NOUN
gujaf-374	200	46	ofr	ofr	PROPN
gujaf-374	200	47	residential	residential	PROPN
gujaf-374	200	48	housing	housing	PROPN
gujaf-374	200	49	development	development	NOUN
gujaf-374	200	50	.	.	PUNCT
gujaf-374	201	1	gusau	gusau	PROPN
gujaf-374	201	2	journal	journal	PROPN
gujaf-374	201	3	of	of	ADP
gujaf-374	201	4	accounting	accounting	NOUN
gujaf-374	201	5	and	and	CCONJ
gujaf-374	201	6	finance	finance	NOUN
gujaf-374	201	7	,	,	PUNCT
gujaf-374	201	8	vol.6	vol.6	PROPN
gujaf-374	201	9	,	,	PUNCT
gujaf-374	201	10	issue	issue	NOUN
gujaf-374	201	11	1	1	NUM
gujaf-374	201	12	,	,	PUNCT
gujaf-374	201	13	april	april	PROPN
gujaf-374	201	14	,	,	PUNCT
gujaf-374	201	15	2025	2025	NUM
gujaf-374	201	16	149	149	NUM
gujaf-374	201	17	iii	iii	NOUN
gujaf-374	201	18	.	.	PUNCT
gujaf-374	202	1	more	more	ADJ
gujaf-374	202	2	studies	study	NOUN
gujaf-374	202	3	should	should	AUX
gujaf-374	202	4	be	be	AUX
gujaf-374	202	5	conducted	conduct	VERB
gujaf-374	202	6	on	on	ADP
gujaf-374	202	7	how	how	SCONJ
gujaf-374	202	8	institutional	institutional	ADJ
gujaf-374	202	9	dynamics	dynamic	NOUN
gujaf-374	202	10	affect	affect	VERB
gujaf-374	202	11	mortgage	mortgage	NOUN
gujaf-374	202	12	financing	financing	NOUN
gujaf-374	202	13	and	and	CCONJ
gujaf-374	202	14	the	the	DET
gujaf-374	202	15	results	result	NOUN
gujaf-374	202	16	of	of	ADP
gujaf-374	202	17	housing	housing	NOUN
gujaf-374	202	18	development	development	NOUN
gujaf-374	202	19	,	,	PUNCT
gujaf-374	202	20	to	to	PART
gujaf-374	202	21	monitor	monitor	VERB
gujaf-374	202	22	frequently	frequently	ADV
gujaf-374	202	23	,	,	PUNCT
gujaf-374	202	24	the	the	DET
gujaf-374	202	25	housing	housing	NOUN
gujaf-374	202	26	development	development	NOUN
gujaf-374	202	27	response	response	NOUN
gujaf-374	202	28	to	to	ADP
gujaf-374	202	29	policy	policy	NOUN
gujaf-374	202	30	modifications	modification	NOUN
gujaf-374	202	31	in	in	ADP
gujaf-374	202	32	response	response	NOUN
gujaf-374	202	33	to	to	ADP
gujaf-374	202	34	changing	change	VERB
gujaf-374	202	35	housing	housing	NOUN
gujaf-374	202	36	challenges	challenge	NOUN
gujaf-374	202	37	in	in	ADP
gujaf-374	202	38	nigeria	nigeria	PROPN
gujaf-374	202	39	.	.	PUNCT
gujaf-374	203	1	references	reference	NOUN
gujaf-374	203	2	adabre	adabre	PROPN
gujaf-374	203	3	,	,	PUNCT
gujaf-374	203	4	m.	m.	NOUN
gujaf-374	203	5	a.	a.	PROPN
gujaf-374	203	6	,	,	PUNCT
gujaf-374	203	7	chan	chan	PROPN
gujaf-374	203	8	,	,	PUNCT
gujaf-374	203	9	p.	p.	PROPN
gujaf-374	203	10	c.	c.	PROPN
gujaf-374	203	11	and	and	CCONJ
gujaf-374	203	12	darko	darko	PROPN
gujaf-374	203	13	,	,	PUNCT
gujaf-374	203	14	a.	a.	NOUN
gujaf-374	203	15	(	(	PUNCT
gujaf-374	203	16	2022	2022	NUM
gujaf-374	203	17	)	)	PUNCT
gujaf-374	203	18	.	.	PUNCT
gujaf-374	204	1	interactive	interactive	ADJ
gujaf-374	204	2	effects	effect	NOUN
gujaf-374	204	3	of	of	ADP
gujaf-374	204	4	institutional	institutional	ADJ
gujaf-374	204	5	,	,	PUNCT
gujaf-374	204	6	economic	economic	ADJ
gujaf-374	204	7	,	,	PUNCT
gujaf-374	204	8	social	social	ADJ
gujaf-374	204	9	and	and	CCONJ
gujaf-374	204	10	environmental	environmental	ADJ
gujaf-374	204	11	barriers	barrier	NOUN
gujaf-374	204	12	on	on	ADP
gujaf-374	204	13	sustainable	sustainable	ADJ
gujaf-374	204	14	housing	housing	NOUN
gujaf-374	204	15	in	in	ADP
gujaf-374	204	16	a	a	DET
gujaf-374	204	17	developing	develop	VERB
gujaf-374	204	18	country	country	NOUN
gujaf-374	204	19	.	.	PUNCT
gujaf-374	205	1	building	building	NOUN
gujaf-374	205	2	and	and	CCONJ
gujaf-374	205	3	environment	environment	NOUN
gujaf-374	205	4	,	,	PUNCT
gujaf-374	205	5	207(8	207(8	NUM
gujaf-374	205	6	)	)	PUNCT
gujaf-374	205	7	.	.	PUNCT
gujaf-374	206	1	doi:10.1016	doi:10.1016	PROPN
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gujaf-374	206	4	.	.	PUNCT
gujaf-374	207	1	https://www.sciencedirect.com/science/article/abs/pii/s0360132321008830	https://www.sciencedirect.com/science/article/abs/pii/s0360132321008830	PROPN
gujaf-374	207	2	behr	behr	PROPN
gujaf-374	207	3	,	,	PUNCT
gujaf-374	207	4	d.	d.	PROPN
gujaf-374	207	5	m.	m.	PROPN
gujaf-374	207	6	,	,	PUNCT
gujaf-374	207	7	chen	chen	PROPN
gujaf-374	207	8	,	,	PUNCT
gujaf-374	207	9	l.	l.	PROPN
gujaf-374	207	10	,	,	PUNCT
gujaf-374	207	11	goel	goel	PROPN
gujaf-374	207	12	,	,	PUNCT
gujaf-374	207	13	a.	a.	PROPN
gujaf-374	207	14	,	,	PUNCT
gujaf-374	207	15	haider	haider	PROPN
gujaf-374	207	16	,	,	PUNCT
gujaf-374	207	17	k.	k.	PROPN
gujaf-374	207	18	t.	t.	PROPN
gujaf-374	207	19	,	,	PUNCT
gujaf-374	207	20	singh	singh	PROPN
gujaf-374	207	21	,	,	PUNCT
gujaf-374	207	22	s.	s.	PROPN
gujaf-374	207	23	,	,	PUNCT
gujaf-374	207	24	&	&	CCONJ
gujaf-374	207	25	zaman	zaman	PROPN
gujaf-374	207	26	,	,	PUNCT
gujaf-374	207	27	a.	a.	NOUN
gujaf-374	207	28	(	(	PUNCT
gujaf-374	207	29	2021	2021	NUM
gujaf-374	207	30	)	)	PUNCT
gujaf-374	207	31	.	.	PUNCT
gujaf-374	208	1	introducing	introduce	VERB
gujaf-374	208	2	the	the	DET
gujaf-374	208	3	adequate	adequate	ADJ
gujaf-374	208	4	housing	housing	NOUN
gujaf-374	208	5	index	index	NOUN
gujaf-374	208	6	:	:	PUNCT
gujaf-374	208	7	a	a	DET
gujaf-374	208	8	new	new	ADJ
gujaf-374	208	9	approach	approach	NOUN
gujaf-374	208	10	to	to	PART
gujaf-374	208	11	estimate	estimate	VERB
gujaf-374	208	12	the	the	DET
gujaf-374	208	13	adequate	adequate	ADJ
gujaf-374	208	14	housing	housing	NOUN
gujaf-374	208	15	deficit	deficit	NOUN
gujaf-374	208	16	within	within	ADP
gujaf-374	208	17	and	and	CCONJ
gujaf-374	208	18	across	across	ADP
gujaf-374	208	19	emerging	emerge	VERB
gujaf-374	208	20	economies	economy	NOUN
gujaf-374	208	21	.	.	PUNCT
gujaf-374	209	1	world	world	PROPN
gujaf-374	209	2	bank	bank	PROPN
gujaf-374	209	3	policy	policy	NOUN
gujaf-374	209	4	research	research	NOUN
gujaf-374	209	5	working	work	VERB
gujaf-374	209	6	paper	paper	NOUN
gujaf-374	209	7	9830	9830	NUM
gujaf-374	209	8	.	.	PUNCT
gujaf-374	210	1	retrieved	retrieve	VERB
gujaf-374	210	2	from	from	ADP
gujaf-374	210	3	the	the	DET
gujaf-374	210	4	world	world	PROPN
gujaf-374	210	5	bank	bank	PROPN
gujaf-374	210	6	group	group	PROPN
gujaf-374	210	7	open	open	ADJ
gujaf-374	210	8	knowledge	knowledge	NOUN
gujaf-374	210	9	repository	repository	PROPN
gujaf-374	210	10	https://openknowledge.worldbank.org/handle/10986/36481	https://openknowledge.worldbank.org/handle/10986/36481	PROPN
gujaf-374	210	11	bundick	bundick	NOUN
gujaf-374	210	12	,	,	PUNCT
gujaf-374	210	13	b.	b.	PROPN
gujaf-374	210	14	and	and	CCONJ
gujaf-374	210	15	sellon	sellon	PROPN
gujaf-374	210	16	,	,	PUNCT
gujaf-374	210	17	h.	h.	PROPN
gujaf-374	210	18	(	(	PUNCT
gujaf-374	210	19	2007	2007	NUM
gujaf-374	210	20	)	)	PUNCT
gujaf-374	210	21	.	.	PUNCT
gujaf-374	211	1	housing	housing	NOUN
gujaf-374	211	2	,	,	PUNCT
gujaf-374	211	3	housing	housing	NOUN
gujaf-374	211	4	finance	finance	NOUN
gujaf-374	211	5	,	,	PUNCT
gujaf-374	211	6	and	and	CCONJ
gujaf-374	211	7	monetary	monetary	ADJ
gujaf-374	211	8	policy	policy	NOUN
gujaf-374	211	9	—	—	PUNCT
gujaf-374	211	10	an	an	DET
gujaf-374	211	11	introduction	introduction	NOUN
gujaf-374	211	12	to	to	ADP
gujaf-374	211	13	the	the	DET
gujaf-374	211	14	bank	bank	NOUN
gujaf-374	211	15	’	'	PUNCT
gujaf-374	211	16	s	s	PART
gujaf-374	211	17	2007	2007	NUM
gujaf-374	211	18	economic	economic	ADJ
gujaf-374	211	19	symposium	symposium	NOUN
gujaf-374	211	20	(	(	PUNCT
gujaf-374	211	21	issue	issue	NOUN
gujaf-374	211	22	february	february	PROPN
gujaf-374	211	23	2007	2007	NUM
gujaf-374	211	24	)	)	PUNCT
gujaf-374	211	25	.	.	PUNCT
gujaf-374	212	1	https://www.researchgate.net/publication/5044849_housing_housing_finance_and_mo	https://www.researchgate.net/publication/5044849_housing_housing_finance_and_mo	PROPN
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gujaf-374	212	3	centre	centre	NOUN
gujaf-374	212	4	for	for	ADP
gujaf-374	212	5	affordable	affordable	ADJ
gujaf-374	212	6	housing	housing	NOUN
gujaf-374	212	7	.	.	PUNCT
gujaf-374	213	1	(	(	PUNCT
gujaf-374	213	2	2012	2012	NUM
gujaf-374	213	3	)	)	PUNCT
gujaf-374	213	4	.	.	PUNCT
gujaf-374	214	1	housing	housing	NOUN
gujaf-374	214	2	finance	finance	PROPN
gujaf-374	214	3	in	in	ADP
gujaf-374	214	4	africa	africa	PROPN
gujaf-374	214	5	a	a	DET
gujaf-374	214	6	review	review	NOUN
gujaf-374	214	7	of	of	ADP
gujaf-374	214	8	some	some	PRON
gujaf-374	214	9	of	of	ADP
gujaf-374	214	10	africa	africa	PROPN
gujaf-374	214	11	’s	’s	PART
gujaf-374	214	12	housing	housing	PROPN
gujaf-374	214	13	finance	finance	NOUN
gujaf-374	214	14	markets	market	NOUN
gujaf-374	214	15	(	(	PUNCT
gujaf-374	214	16	issue	issue	NOUN
gujaf-374	214	17	october	october	PROPN
gujaf-374	214	18	)	)	PUNCT
gujaf-374	214	19	.	.	PUNCT
gujaf-374	215	1	https://housingfinanceafrica.org/app/uploads/2021/02/2020_cahf_yearbook_co	https://housingfinanceafrica.org/app/uploads/2021/02/2020_cahf_yearbook_co	ADP
gujaf-374	215	2	mp-2.pdf	mp-2.pdf	PROPN
gujaf-374	215	3	dobson	dobson	PROPN
gujaf-374	215	4	,	,	PUNCT
gujaf-374	215	5	p.	p.	NOUN
gujaf-374	215	6	(	(	PUNCT
gujaf-374	215	7	1976	1976	NUM
gujaf-374	215	8	)	)	PUNCT
gujaf-374	215	9	.	.	PUNCT
gujaf-374	216	1	titles	title	NOUN
gujaf-374	216	2	and	and	CCONJ
gujaf-374	216	3	priorities	priority	NOUN
gujaf-374	216	4	:	:	PUNCT
gujaf-374	216	5	an	an	DET
gujaf-374	216	6	analysis	analysis	NOUN
gujaf-374	216	7	of	of	ADP
gujaf-374	216	8	the	the	DET
gujaf-374	216	9	mortgage	mortgage	NOUN
gujaf-374	216	10	instrument	instrument	NOUN
gujaf-374	216	11	.	.	PUNCT
gujaf-374	217	1	journal	journal	NOUN
gujaf-374	217	2	of	of	ADP
gujaf-374	217	3	finance	finance	NOUN
gujaf-374	217	4	and	and	CCONJ
gujaf-374	217	5	real	real	ADJ
gujaf-374	217	6	estate	estate	NOUN
gujaf-374	217	7	,	,	PUNCT
gujaf-374	217	8	4(1	4(1	NOUN
gujaf-374	217	9	)	)	PUNCT
gujaf-374	217	10	,	,	PUNCT
gujaf-374	217	11	23	23	NUM
gujaf-374	217	12	-	-	SYM
gujaf-374	217	13	35	35	NUM
gujaf-374	217	14	.	.	PUNCT
gujaf-374	218	1	ekeocha	ekeocha	PROPN
gujaf-374	218	2	,	,	PUNCT
gujaf-374	218	3	d.	d.	PROPN
gujaf-374	218	4	,	,	PUNCT
gujaf-374	218	5	ogbuabor	ogbuabor	PROPN
gujaf-374	218	6	,	,	PUNCT
gujaf-374	218	7	j.	j.	PROPN
gujaf-374	218	8	,	,	PUNCT
gujaf-374	218	9	ekeocha	ekeocha	PROPN
gujaf-374	218	10	,	,	PUNCT
gujaf-374	218	11	p.	p.	PROPN
gujaf-374	218	12	&	&	CCONJ
gujaf-374	218	13	orji	orji	PROPN
gujaf-374	218	14	,	,	PUNCT
gujaf-374	218	15	a.	a.	NOUN
gujaf-374	218	16	(	(	PUNCT
gujaf-374	218	17	2023	2023	NUM
gujaf-374	218	18	)	)	PUNCT
gujaf-374	218	19	,	,	PUNCT
gujaf-374	218	20	analysis	analysis	NOUN
gujaf-374	218	21	of	of	ADP
gujaf-374	218	22	sectoral	sectoral	ADJ
gujaf-374	218	23	outcomes	outcome	NOUN
gujaf-374	218	24	and	and	CCONJ
gujaf-374	218	25	institutional	institutional	ADJ
gujaf-374	218	26	quality	quality	NOUN
gujaf-374	218	27	nexus	nexus	NOUN
gujaf-374	218	28	in	in	ADP
gujaf-374	218	29	sub	sub	ADJ
gujaf-374	218	30	-	-	ADJ
gujaf-374	218	31	saharan	saharan	ADJ
gujaf-374	218	32	africa	africa	PROPN
gujaf-374	218	33	.	.	PUNCT
gujaf-374	219	1	sage	sage	NOUN
gujaf-374	219	2	open	open	ADJ
gujaf-374	219	3	,	,	PUNCT
gujaf-374	219	4	october	october	PROPN
gujaf-374	219	5	-	-	PUNCT
gujaf-374	219	6	december	december	PROPN
gujaf-374	219	7	2023	2023	NUM
gujaf-374	219	8	:	:	PUNCT
gujaf-374	219	9	1–13	1–13	NOUN
gujaf-374	219	10	.	.	PUNCT
gujaf-374	220	1	https://journals.sagepub.com/doi/full/10.1177/21582440231202577	https://journals.sagepub.com/doi/full/10.1177/21582440231202577	PROPN
gujaf-374	220	2	eldomiaty	eldomiaty	PROPN
gujaf-374	220	3	,	,	PUNCT
gujaf-374	220	4	t.	t.	PROPN
gujaf-374	220	5	el	el	PROPN
gujaf-374	220	6	-	-	PUNCT
gujaf-374	220	7	sehwagy	sehwagy	ADJ
gujaf-374	220	8	,	,	PUNCT
gujaf-374	220	9	m.	m.	NOUN
gujaf-374	220	10	(	(	PUNCT
gujaf-374	220	11	2023	2023	NUM
gujaf-374	220	12	)	)	PUNCT
gujaf-374	220	13	,	,	PUNCT
gujaf-374	220	14	institutional	institutional	ADJ
gujaf-374	220	15	quality	quality	NOUN
gujaf-374	220	16	and	and	CCONJ
gujaf-374	220	17	firm	firm	ADJ
gujaf-374	220	18	-	-	PUNCT
gujaf-374	220	19	level	level	NOUN
gujaf-374	220	20	financial	financial	ADJ
gujaf-374	220	21	performance	performance	NOUN
gujaf-374	220	22	:	:	PUNCT
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gujaf-374	220	25	g8	g8	PROPN
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gujaf-374	220	27	mena	mena	PROPN
gujaf-374	220	28	countries	countries	PROPN
gujaf-374	220	29	.	.	PUNCT
gujaf-374	221	1	cogent	cogent	NOUN
gujaf-374	221	2	economics	economic	NOUN
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gujaf-374	221	4	finance	finance	PROPN
gujaf-374	221	5	.	.	PUNCT
gujaf-374	222	1	vol	vol	NOUN
gujaf-374	222	2	.	.	PROPN
gujaf-374	223	1	11	11	NUM
gujaf-374	223	2	(	(	PUNCT
gujaf-374	223	3	1	1	NUM
gujaf-374	223	4	)	)	PUNCT
gujaf-374	223	5	,	,	PUNCT
gujaf-374	223	6	1	1	NUM
gujaf-374	223	7	-	-	SYM
gujaf-374	223	8	39	39	NUM
gujaf-374	223	9	.	.	PUNCT
gujaf-374	224	1	https://www.tandfonline.com/doi/full/10.1080/23322039.2023.2220249?scroll=top&ne	https://www.tandfonline.com/doi/full/10.1080/23322039.2023.2220249?scroll=top&ne	ADJ
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gujaf-374	224	6	,	,	PUNCT
gujaf-374	224	7	d.	d.	PROPN
gujaf-374	224	8	&	&	CCONJ
gujaf-374	224	9	mwengei	mwengei	PROPN
gujaf-374	224	10	,	,	PUNCT
gujaf-374	224	11	o.	o.	PROPN
gujaf-374	224	12	(	(	PUNCT
gujaf-374	224	13	2019	2019	NUM
gujaf-374	224	14	)	)	PUNCT
gujaf-374	224	15	.	.	PUNCT
gujaf-374	225	1	mortgage	mortgage	NOUN
gujaf-374	225	2	financing	financing	NOUN
gujaf-374	225	3	on	on	ADP
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gujaf-374	225	7	estate	estate	NOUN
gujaf-374	225	8	sector	sector	NOUN
gujaf-374	225	9	in	in	ADP
gujaf-374	225	10	kisumu	kisumu	PROPN
gujaf-374	225	11	city	city	PROPN
gujaf-374	225	12	,	,	PUNCT
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gujaf-374	225	14	.	.	PUNCT
gujaf-374	226	1	international	international	ADJ
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gujaf-374	226	5	research	research	NOUN
gujaf-374	226	6	in	in	ADP
gujaf-374	226	7	commerce	commerce	NOUN
gujaf-374	226	8	economics	economic	NOUN
gujaf-374	226	9	and	and	CCONJ
gujaf-374	226	10	management	management	NOUN
gujaf-374	226	11	(	(	PUNCT
gujaf-374	226	12	ijrrcem	ijrrcem	NOUN
gujaf-374	226	13	)	)	PUNCT
gujaf-374	226	14	.	.	PUNCT
gujaf-374	227	1	6(3	6(3	NUM
gujaf-374	227	2	)	)	PUNCT
gujaf-374	227	3	,	,	PUNCT
gujaf-374	227	4	141	141	NUM
gujaf-374	227	5	-	-	SYM
gujaf-374	227	6	155	155	NUM
gujaf-374	227	7	.	.	PUNCT
gujaf-374	228	1	https://www.paperpublications.org/upload/book/an%20empirical%20examination%20	https://www.paperpublications.org/upload/book/an%20empirical%20examination%20	PROPN
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gujaf-374	228	6	,	,	PUNCT
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gujaf-374	228	8	(	(	PUNCT
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gujaf-374	228	10	)	)	PUNCT
gujaf-374	228	11	.	.	PUNCT
gujaf-374	229	1	interplays	interplay	NOUN
gujaf-374	229	2	of	of	ADP
gujaf-374	229	3	institutional	institutional	ADJ
gujaf-374	229	4	,	,	PUNCT
gujaf-374	229	5	economic	economic	ADJ
gujaf-374	229	6	,	,	PUNCT
gujaf-374	229	7	social	social	ADJ
gujaf-374	229	8	and	and	CCONJ
gujaf-374	229	9	environmental	environmental	ADJ
gujaf-374	229	10	systems	system	NOUN
gujaf-374	229	11	in	in	ADP
gujaf-374	229	12	sustainable	sustainable	ADJ
gujaf-374	229	13	development	development	NOUN
gujaf-374	229	14	in	in	ADP
gujaf-374	229	15	latin	latin	PROPN
gujaf-374	229	16	america	america	PROPN
gujaf-374	229	17	.	.	PUNCT
gujaf-374	230	1	journal	journal	PROPN
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gujaf-374	230	5	,	,	PUNCT
gujaf-374	230	6	7(1),1–26	7(1),1–26	NUM
gujaf-374	230	7	.	.	PUNCT
gujaf-374	231	1	https://sustainability.hapres.com/htmls/jsr_1696_detail.html	https://sustainability.hapres.com/htmls/jsr_1696_detail.html	PROPN
gujaf-374	231	2	hester	hester	PROPN
gujaf-374	231	3	,	,	PUNCT
gujaf-374	231	4	d.	d.	PROPN
gujaf-374	231	5	(	(	PUNCT
gujaf-374	231	6	1975	1975	NUM
gujaf-374	231	7	)	)	PUNCT
gujaf-374	231	8	.	.	PUNCT
gujaf-374	232	1	bank	bank	NOUN
gujaf-374	232	2	management	management	NOUN
gujaf-374	232	3	and	and	CCONJ
gujaf-374	232	4	portfolio	portfolio	NOUN
gujaf-374	232	5	behavior	behavior	NOUN
gujaf-374	232	6	.	.	PUNCT
gujaf-374	233	1	new	new	PROPN
gujaf-374	233	2	york	york	PROPN
gujaf-374	233	3	:	:	PUNCT
gujaf-374	233	4	yale	yale	PROPN
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gujaf-374	233	6	.	.	PUNCT
gujaf-374	234	1	online	online	ADV
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gujaf-374	234	8	=	=	SYM
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gujaf-374	234	13	accounting	accounting	NOUN
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gujaf-374	234	16	,	,	PUNCT
gujaf-374	234	17	vol.6	vol.6	PROPN
gujaf-374	234	18	,	,	PUNCT
gujaf-374	234	19	issue	issue	NOUN
gujaf-374	234	20	1	1	NUM
gujaf-374	234	21	,	,	PUNCT
gujaf-374	234	22	april	april	PROPN
gujaf-374	234	23	,	,	PUNCT
gujaf-374	234	24	2025	2025	NUM
gujaf-374	234	25	150	150	NUM
gujaf-374	234	26	iwundu	iwundu	NOUN
gujaf-374	234	27	,	,	PUNCT
gujaf-374	234	28	c.	c.	NOUN
gujaf-374	234	29	(	(	PUNCT
gujaf-374	234	30	2022	2022	NUM
gujaf-374	234	31	)	)	PUNCT
gujaf-374	234	32	.	.	PUNCT
gujaf-374	235	1	mortgage	mortgage	NOUN
gujaf-374	235	2	financing	financing	NOUN
gujaf-374	235	3	and	and	CCONJ
gujaf-374	235	4	economic	economic	ADJ
gujaf-374	235	5	growth	growth	NOUN
gujaf-374	235	6	in	in	ADP
gujaf-374	235	7	nigeria	nigeria	PROPN
gujaf-374	235	8	during	during	ADP
gujaf-374	235	9	1996	1996	NUM
gujaf-374	235	10	–	–	PUNCT
gujaf-374	235	11	2020	2020	NUM
gujaf-374	235	12	.	.	PUNCT
gujaf-374	236	1	asian	asian	ADJ
gujaf-374	236	2	journal	journal	PROPN
gujaf-374	236	3	of	of	ADP
gujaf-374	236	4	economics	economic	NOUN
gujaf-374	236	5	,	,	PUNCT
gujaf-374	236	6	finance	finance	NOUN
gujaf-374	236	7	and	and	CCONJ
gujaf-374	236	8	management	management	NOUN
gujaf-374	236	9	4(1	4(1	NOUN
gujaf-374	236	10	)	)	PUNCT
gujaf-374	236	11	,	,	PUNCT
gujaf-374	236	12	337	337	NUM
gujaf-374	236	13	-	-	SYM
gujaf-374	236	14	345	345	NUM
gujaf-374	236	15	.	.	PUNCT
gujaf-374	237	1	https://journaleconomics.org/index.php/ajefm/article/view/139/139	https://journaleconomics.org/index.php/ajefm/article/view/139/139	PROPN
gujaf-374	237	2	jansen	jansen	PROPN
gujaf-374	237	3	,	,	PUNCT
gujaf-374	237	4	s.	s.	PROPN
gujaf-374	237	5	j.	j.	PROPN
gujaf-374	237	6	,	,	PUNCT
gujaf-374	237	7	coolen	coolen	PROPN
gujaf-374	237	8	,	,	PUNCT
gujaf-374	237	9	h.	h.	PROPN
gujaf-374	237	10	c.	c.	PROPN
gujaf-374	237	11	,	,	PUNCT
gujaf-374	237	12	&	&	CCONJ
gujaf-374	237	13	goetgeluk	goetgeluk	PROPN
gujaf-374	237	14	,	,	PUNCT
gujaf-374	237	15	r.	r.	PROPN
gujaf-374	237	16	w.	w.	PROPN
gujaf-374	237	17	(	(	PUNCT
gujaf-374	237	18	2011	2011	NUM
gujaf-374	237	19	)	)	PUNCT
gujaf-374	237	20	.	.	PUNCT
gujaf-374	238	1	the	the	DET
gujaf-374	238	2	measurement	measurement	NOUN
gujaf-374	238	3	and	and	CCONJ
gujaf-374	238	4	analysis	analysis	NOUN
gujaf-374	238	5	of	of	ADP
gujaf-374	238	6	housing	housing	NOUN
gujaf-374	238	7	preference	preference	NOUN
gujaf-374	238	8	and	and	CCONJ
gujaf-374	238	9	choice	choice	NOUN
gujaf-374	238	10	.	.	PUNCT
gujaf-374	239	1	in	in	ADP
gujaf-374	239	2	the	the	DET
gujaf-374	239	3	measurement	measurement	NOUN
gujaf-374	239	4	and	and	CCONJ
gujaf-374	239	5	analysis	analysis	NOUN
gujaf-374	239	6	of	of	ADP
gujaf-374	239	7	housing	housing	NOUN
gujaf-374	239	8	preference	preference	NOUN
gujaf-374	239	9	and	and	CCONJ
gujaf-374	239	10	choice	choice	NOUN
gujaf-374	239	11	(	(	PUNCT
gujaf-374	239	12	pp	pp	ADJ
gujaf-374	239	13	.	.	PUNCT
gujaf-374	239	14	1–26	1–26	NUM
gujaf-374	239	15	)	)	PUNCT
gujaf-374	239	16	.	.	PUNCT
gujaf-374	240	1	https://doi.org/10.1007/978-90-481-8894-9	https://doi.org/10.1007/978-90-481-8894-9	PROPN
gujaf-374	240	2	.	.	PUNCT
gujaf-374	241	1	https://link.springer.com/book/10.1007/978-90-481-8894-9	https://link.springer.com/book/10.1007/978-90-481-8894-9	PROPN
gujaf-374	241	2	kama	kama	PROPN
gujaf-374	241	3	,	,	PUNCT
gujaf-374	241	4	u.	u.	PROPN
gujaf-374	241	5	,	,	PUNCT
gujaf-374	241	6	yakubu	yakubu	PROPN
gujaf-374	241	7	,	,	PUNCT
gujaf-374	241	8	j.	j.	PROPN
gujaf-374	241	9	,	,	PUNCT
gujaf-374	241	10	bewaji	bewaji	PROPN
gujaf-374	241	11	,	,	PUNCT
gujaf-374	241	12	p.	p.	NOUN
gujaf-374	241	13	,	,	PUNCT
gujaf-374	241	14	adigun	adigun	ADJ
gujaf-374	241	15	.	.	PUNCT
gujaf-374	242	1	m.	m.	NOUN
gujaf-374	242	2	,	,	PUNCT
gujaf-374	242	3	adegbite	adegbite	ADV
gujaf-374	242	4	,	,	PUNCT
gujaf-374	242	5	o.	o.	PROPN
gujaf-374	242	6	&	&	CCONJ
gujaf-374	242	7	elisha	elisha	PROPN
gujaf-374	242	8	,	,	PUNCT
gujaf-374	242	9	o.	o.	PROPN
gujaf-374	242	10	(	(	PUNCT
gujaf-374	242	11	2013	2013	NUM
gujaf-374	242	12	)	)	PUNCT
gujaf-374	242	13	.	.	PUNCT
gujaf-374	243	1	mortgage	mortgage	NOUN
gujaf-374	243	2	financing	financing	NOUN
gujaf-374	243	3	in	in	ADP
gujaf-374	243	4	nigeria	nigeria	PROPN
gujaf-374	243	5	.	.	PUNCT
gujaf-374	244	1	central	central	PROPN
gujaf-374	244	2	bank	bank	PROPN
gujaf-374	244	3	of	of	ADP
gujaf-374	244	4	nigeria	nigeria	PROPN
gujaf-374	244	5	occasional	occasional	ADJ
gujaf-374	244	6	paper	paper	NOUN
gujaf-374	244	7	no	no	INTJ
gujaf-374	244	8	.	.	NOUN
gujaf-374	245	1	50	50	NUM
gujaf-374	245	2	https://www.cbn.gov.ng/out/2018/rsd/volume%2053,%20number%203,%20september	https://www.cbn.gov.ng/out/2018/rsd/volume%2053,%20number%203,%20september	NOUN
gujaf-374	245	3	%	%	NOUN
gujaf-374	245	4	202015-%20final%20for%20upload.pdf	202015-%20final%20for%20upload.pdf	NUM
gujaf-374	245	5	kioko	kioko	NOUN
gujaf-374	245	6	,	,	PUNCT
gujaf-374	245	7	c.	c.	PROPN
gujaf-374	245	8	(	(	PUNCT
gujaf-374	245	9	2020	2020	NUM
gujaf-374	245	10	)	)	PUNCT
gujaf-374	245	11	,	,	PUNCT
gujaf-374	245	12	effect	effect	NOUN
gujaf-374	245	13	of	of	ADP
gujaf-374	245	14	mortgage	mortgage	NOUN
gujaf-374	245	15	financing	financing	NOUN
gujaf-374	245	16	on	on	ADP
gujaf-374	245	17	the	the	DET
gujaf-374	245	18	performance	performance	NOUN
gujaf-374	245	19	of	of	ADP
gujaf-374	245	20	residential	residential	ADJ
gujaf-374	245	21	real	real	ADJ
gujaf-374	245	22	estate	estate	NOUN
gujaf-374	245	23	industry	industry	NOUN
gujaf-374	245	24	in	in	ADP
gujaf-374	245	25	kenya	kenya	PROPN
gujaf-374	245	26	.	.	PUNCT
gujaf-374	246	1	a	a	DET
gujaf-374	246	2	research	research	NOUN
gujaf-374	246	3	project	project	NOUN
gujaf-374	246	4	submitted	submit	VERB
gujaf-374	246	5	in	in	ADP
gujaf-374	246	6	partial	partial	ADJ
gujaf-374	246	7	fulfilment	fulfilment	NOUN
gujaf-374	246	8	of	of	ADP
gujaf-374	246	9	the	the	DET
gujaf-374	246	10	requirements	requirement	NOUN
gujaf-374	246	11	for	for	ADP
gujaf-374	246	12	the	the	DET
gujaf-374	246	13	award	award	NOUN
gujaf-374	246	14	of	of	ADP
gujaf-374	246	15	masters	master	NOUN
gujaf-374	246	16	in	in	ADP
gujaf-374	246	17	business	business	NOUN
gujaf-374	246	18	administration	administration	PROPN
gujaf-374	246	19	,	,	PUNCT
gujaf-374	246	20	university	university	PROPN
gujaf-374	246	21	of	of	ADP
gujaf-374	246	22	nairobi	nairobi	PROPN
gujaf-374	246	23	,	,	PUNCT
gujaf-374	246	24	kenya.https://erepository.uonbi.ac.ke/bitstream/handle/11295/154092/kioko_effect%2	kenya.https://erepository.uonbi.ac.ke/bitstream/handle/11295/154092/kioko_effect%2	ADV
gujaf-374	246	25	0of%20mortgage%20financing%20on%20performance%20of%20the%20residential%2	0of%20mortgage%20financing%20on%20performance%20of%20the%20residential%2	NOUN
gujaf-374	246	26	0real%20estate%20industry%20in%20kenya.pdf?sequence=1	0real%20estate%20industry%20in%20kenya.pdf?sequence=1	PUNCT
gujaf-374	247	1	mondal	mondal	PROPN
gujaf-374	247	2	,	,	PUNCT
gujaf-374	247	3	b.	b.	PROPN
gujaf-374	247	4	&	&	CCONJ
gujaf-374	247	5	dipendra	dipendra	PROPN
gujaf-374	247	6	,	,	PUNCT
gujaf-374	247	7	n.	n.	NOUN
gujaf-374	247	8	(	(	PUNCT
gujaf-374	247	9	2018	2018	NUM
gujaf-374	247	10	)	)	PUNCT
gujaf-374	247	11	.	.	PUNCT
gujaf-374	248	1	"	"	PUNCT
gujaf-374	248	2	how	how	SCONJ
gujaf-374	248	3	residential	residential	ADJ
gujaf-374	248	4	compactness	compactness	NOUN
gujaf-374	248	5	and	and	CCONJ
gujaf-374	248	6	attractiveness	attractiveness	NOUN
gujaf-374	248	7	can	can	AUX
gujaf-374	248	8	be	be	AUX
gujaf-374	248	9	shaped	shape	VERB
gujaf-374	248	10	by	by	ADP
gujaf-374	248	11	environmental	environmental	ADJ
gujaf-374	248	12	amenities	amenity	NOUN
gujaf-374	248	13	in	in	ADP
gujaf-374	248	14	an	an	DET
gujaf-374	248	15	industrial	industrial	ADJ
gujaf-374	248	16	city	city	NOUN
gujaf-374	248	17	?	?	PUNCT
gujaf-374	248	18	"	"	PUNCT
gujaf-374	249	1	scs	scs	PROPN
gujaf-374	249	2	41	41	NUM
gujaf-374	249	3	,	,	PUNCT
gujaf-374	249	4	363	363	NUM
gujaf-374	249	5	-	-	SYM
gujaf-374	249	6	377	377	NUM
gujaf-374	249	7	.	.	PUNCT
gujaf-374	250	1	https://www.researchgate.net/publication/325211715_how_residential_compactness_a	https://www.researchgate.net/publication/325211715_how_residential_compactness_a	NOUN
gujaf-374	250	2	nd_attractiveness_can_be_shaped_by_environmental_amenities_in_an_industrial_city	nd_attractiveness_can_be_shaped_by_environmental_amenities_in_an_industrial_city	PROPN
gujaf-374	250	3	nuria	nuria	PROPN
gujaf-374	250	4	,	,	PUNCT
gujaf-374	250	5	r.	r.	PROPN
gujaf-374	250	6	(	(	PUNCT
gujaf-374	250	7	2018	2018	NUM
gujaf-374	250	8	)	)	PUNCT
gujaf-374	250	9	.	.	PUNCT
gujaf-374	251	1	mortgage	mortgage	NOUN
gujaf-374	251	2	finance	finance	NOUN
gujaf-374	251	3	and	and	CCONJ
gujaf-374	251	4	culture	culture	NOUN
gujaf-374	251	5	.	.	PUNCT
gujaf-374	252	1	regional	regional	ADJ
gujaf-374	252	2	review	review	NOUN
gujaf-374	252	3	.	.	PUNCT
gujaf-374	253	1	58(4	58(4	NUM
gujaf-374	253	2	)	)	PUNCT
gujaf-374	253	3	,	,	PUNCT
gujaf-374	253	4	786	786	NUM
gujaf-374	253	5	-	-	SYM
gujaf-374	253	6	821	821	NUM
gujaf-374	253	7	.	.	PUNCT
gujaf-374	254	1	https://doi.org/10.1111/jors.12385	https://doi.org/10.1111/jors.12385	NOUN
gujaf-374	254	2	.	.	PUNCT
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gujaf-374	255	2	okolie	okolie	PROPN
gujaf-374	255	3	,	,	PUNCT
gujaf-374	255	4	j.	j.	PROPN
gujaf-374	255	5	&	&	CCONJ
gujaf-374	255	6	erhijakpor	erhijakpor	PROPN
gujaf-374	255	7	,	,	PUNCT
gujaf-374	255	8	e.	e.	PROPN
gujaf-374	255	9	(	(	PUNCT
gujaf-374	255	10	2020	2020	NUM
gujaf-374	255	11	)	)	PUNCT
gujaf-374	255	12	.	.	PUNCT
gujaf-374	256	1	mortgage	mortgage	NOUN
gujaf-374	256	2	financing	financing	NOUN
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gujaf-374	256	4	housing	housing	NOUN
gujaf-374	256	5	development	development	NOUN
gujaf-374	256	6	:	:	PUNCT
gujaf-374	256	7	evidence	evidence	NOUN
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gujaf-374	256	10	.	.	PUNCT
gujaf-374	257	1	delsu	delsu	PROPN
gujaf-374	257	2	journal	journal	PROPN
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gujaf-374	257	4	management	management	NOUN
gujaf-374	257	5	science	science	NOUN
gujaf-374	257	6	(	(	PUNCT
gujaf-374	257	7	deljoms	deljom	NOUN
gujaf-374	257	8	)	)	PUNCT
gujaf-374	257	9	.	.	PUNCT
gujaf-374	258	1	(	(	PUNCT
gujaf-374	258	2	2)1	2)1	NUM
gujaf-374	258	3	,	,	PUNCT
gujaf-374	258	4	132	132	NUM
gujaf-374	258	5	-	-	SYM
gujaf-374	258	6	151	151	NUM
gujaf-374	258	7	.	.	PUNCT
gujaf-374	259	1	https://www.researchgate.net/publication/361469367_aeo-jo_-rgmortgage_financing_and_housing_development_in_nigeria-rg	https://www.researchgate.net/publication/361469367_aeo-jo_-rgmortgage_financing_and_housing_development_in_nigeria-rg	VERB
gujaf-374	259	2	olanrewaju	olanrewaju	PROPN
gujaf-374	259	3	,	,	PUNCT
gujaf-374	259	4	s.	s.	PROPN
gujaf-374	259	5	&	&	CCONJ
gujaf-374	259	6	oyebiyi	oyebiyi	PROPN
gujaf-374	259	7	,	,	PUNCT
gujaf-374	259	8	s.	s.	PROPN
gujaf-374	259	9	(	(	PUNCT
gujaf-374	259	10	2016	2016	NUM
gujaf-374	259	11	)	)	PUNCT
gujaf-374	259	12	.	.	PUNCT
gujaf-374	260	1	role	role	NOUN
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gujaf-374	260	3	mortgage	mortgage	NOUN
gujaf-374	260	4	bank	bank	PROPN
gujaf-374	260	5	in	in	ADP
gujaf-374	260	6	housing	housing	NOUN
gujaf-374	260	7	production	production	NOUN
gujaf-374	260	8	.	.	PUNCT
gujaf-374	261	1	international	international	ADJ
gujaf-374	261	2	journal	journal	PROPN
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gujaf-374	261	4	engineering	engineering	NOUN
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gujaf-374	261	7	technology	technology	NOUN
gujaf-374	261	8	(	(	PUNCT
gujaf-374	261	9	ijeit	ijeit	ADJ
gujaf-374	261	10	)	)	PUNCT
gujaf-374	261	11	.	.	PUNCT
gujaf-374	262	1	(	(	PUNCT
gujaf-374	262	2	6)2	6)2	NOUN
gujaf-374	262	3	,	,	PUNCT
gujaf-374	262	4	1	1	NUM
gujaf-374	262	5	-	-	SYM
gujaf-374	262	6	14	14	NUM
gujaf-374	262	7	.	.	PUNCT
gujaf-374	262	8	doi:10.17605	doi:10.17605	NOUN
gujaf-374	262	9	/	/	SYM
gujaf-374	262	10	osf.io	osf.io	NUM
gujaf-374	262	11	/	/	SYM
gujaf-374	262	12	u5xkr	u5xkr	PROPN
gujaf-374	262	13	.	.	PUNCT
gujaf-374	262	14	https://www.ijeit.com/vol%206/issue%202/ijeit1412201608_01.pdf	https://www.ijeit.com/vol%206/issue%202/ijeit1412201608_01.pdf	PROPN
gujaf-374	262	15	olatoye	olatoye	NOUN
gujaf-374	262	16	,	,	PUNCT
gujaf-374	262	17	o.	o.	PROPN
gujaf-374	262	18	,	,	PUNCT
gujaf-374	262	19	adeleke	adeleke	ADJ
gujaf-374	262	20	,	,	PUNCT
gujaf-374	262	21	f.	f.	PROPN
gujaf-374	262	22	g.	g.	PROPN
gujaf-374	262	23	&	&	CCONJ
gujaf-374	262	24	abiodun	abiodun	PROPN
gujaf-374	262	25	jogunola	jogunola	PROPN
gujaf-374	262	26	.	.	PUNCT
gujaf-374	263	1	(	(	PUNCT
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gujaf-374	263	3	)	)	PUNCT
gujaf-374	263	4	.	.	PUNCT
gujaf-374	264	1	housing	housing	NOUN
gujaf-374	264	2	delivery	delivery	NOUN
gujaf-374	264	3	,	,	PUNCT
gujaf-374	264	4	finance	finance	NOUN
gujaf-374	264	5	and	and	CCONJ
gujaf-374	264	6	mortgage	mortgage	NOUN
gujaf-374	264	7	system	system	NOUN
gujaf-374	264	8	in	in	ADP
gujaf-374	264	9	nigeria	nigeria	PROPN
gujaf-374	264	10	.	.	PUNCT
gujaf-374	265	1	in	in	ADP
gujaf-374	265	2	ife	ife	PROPN
gujaf-374	265	3	research	research	NOUN
gujaf-374	265	4	publications	publication	NOUN
gujaf-374	265	5	in	in	ADP
gujaf-374	265	6	geography	geography	NOUN
gujaf-374	265	7	(	(	PUNCT
gujaf-374	265	8	vol	vol	NOUN
gujaf-374	265	9	.	.	PROPN
gujaf-374	265	10	21	21	NUM
gujaf-374	265	11	,	,	PUNCT
gujaf-374	265	12	issue	issue	NOUN
gujaf-374	265	13	1	1	NUM
gujaf-374	265	14	,	,	PUNCT
gujaf-374	265	15	pp	pp	ADJ
gujaf-374	265	16	.	.	PUNCT
gujaf-374	265	17	52–61	52–61	NUM
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gujaf-374	269	8	,	,	PUNCT
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gujaf-374	270	4	.	.	PUNCT
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gujaf-374	271	4	p.	p.	NOUN
gujaf-374	271	5	,	,	PUNCT
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gujaf-374	271	7	,	,	PUNCT
gujaf-374	271	8	a.	a.	PROPN
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gujaf-374	271	10	,	,	PUNCT
gujaf-374	271	11	&	&	CCONJ
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gujaf-374	271	17	)	)	PUNCT
gujaf-374	271	18	.	.	PUNCT
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gujaf-374	272	5	finance	finance	NOUN
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gujaf-374	272	7	nigeria	nigeria	PROPN
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gujaf-374	272	11	on	on	ADP
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gujaf-374	272	14	.	.	PUNCT
gujaf-374	273	1	international	international	ADJ
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gujaf-374	273	6	gusau	gusau	PROPN
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gujaf-374	273	17	,	,	PUNCT
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gujaf-374	273	20	2025	2025	NUM
gujaf-374	273	21	151	151	NUM
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gujaf-374	273	24	(	(	PUNCT
gujaf-374	273	25	imjst	imjst	ADJ
gujaf-374	273	26	)	)	PUNCT
gujaf-374	273	27	(	(	PUNCT
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gujaf-374	273	30	4	4	NUM
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gujaf-374	273	32	issue	issue	NOUN
gujaf-374	273	33	april	april	PROPN
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gujaf-374	273	37	.	.	PUNCT
gujaf-374	273	38	2528–9810	2528–9810	NUM
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gujaf-374	273	40	.	.	PUNCT
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gujaf-374	274	2	,	,	PUNCT
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gujaf-374	274	4	_	_	PRON
gujaf-374	274	5	a05_291	a05_291	X
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gujaf-374	274	7	,	,	PUNCT
gujaf-374	274	8	c.	c.	PROPN
gujaf-374	274	9	o.	o.	PROPN
gujaf-374	274	10	,	,	PUNCT
gujaf-374	274	11	&	&	CCONJ
gujaf-374	274	12	kpataene	kpataene	NOUN
gujaf-374	274	13	,	,	PUNCT
gujaf-374	274	14	m.	m.	NOUN
gujaf-374	274	15	(	(	PUNCT
gujaf-374	274	16	2017	2017	NUM
gujaf-374	274	17	)	)	PUNCT
gujaf-374	274	18	.	.	PUNCT
gujaf-374	275	1	mortgage	mortgage	NOUN
gujaf-374	275	2	financing	financing	NOUN
gujaf-374	275	3	and	and	CCONJ
gujaf-374	275	4	housing	housing	NOUN
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gujaf-374	275	6	in	in	ADP
gujaf-374	275	7	nigeria	nigeria	PROPN
gujaf-374	275	8	.	.	PUNCT
gujaf-374	276	1	in	in	ADP
gujaf-374	276	2	international	international	ADJ
gujaf-374	276	3	journal	journal	NOUN
gujaf-374	276	4	of	of	ADP
gujaf-374	276	5	research	research	PROPN
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gujaf-374	276	14	,	,	PUNCT
gujaf-374	276	15	pp	pp	ADJ
gujaf-374	276	16	.	.	PUNCT
gujaf-374	277	1	182–206	182–206	NUM
gujaf-374	277	2	)	)	PUNCT
gujaf-374	277	3	.	.	PUNCT
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gujaf-374	280	7	,	,	PUNCT
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gujaf-374	280	10	,	,	PUNCT
gujaf-374	280	11	b.	b.	PROPN
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gujaf-374	280	14	,	,	PUNCT
gujaf-374	280	15	v.	v.	PROPN
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gujaf-374	280	19	.	.	PUNCT
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gujaf-374	282	5	09/05/2024	09/05/2024	NOUN
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gujaf-374	283	4	(	(	PUNCT
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gujaf-374	283	6	)	)	PUNCT
gujaf-374	283	7	.	.	PUNCT
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gujaf-374	286	3	,	,	PUNCT
gujaf-374	286	4	1	1	NUM
gujaf-374	286	5	-	-	SYM
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gujaf-374	286	7	.	.	PUNCT
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gujaf-374	287	5	,	,	PUNCT
gujaf-374	287	6	(	(	PUNCT
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gujaf-374	287	8	)	)	PUNCT
gujaf-374	287	9	.	.	PUNCT
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gujaf-374	288	2	growth	growth	NOUN
gujaf-374	288	3	,	,	PUNCT
gujaf-374	288	4	real	real	ADJ
gujaf-374	288	5	estate	estate	NOUN
gujaf-374	288	6	market	market	NOUN
gujaf-374	288	7	conditions	condition	NOUN
gujaf-374	288	8	,	,	PUNCT
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gujaf-374	288	11	time	time	NOUN
gujaf-374	288	12	series	series	PROPN
gujaf-374	288	13	dynamics	dynamic	NOUN
gujaf-374	288	14	of	of	ADP
gujaf-374	288	15	commercial	commercial	ADJ
gujaf-374	288	16	mortgage	mortgage	NOUN
gujaf-374	288	17	credit	credit	NOUN
gujaf-374	288	18	risk	risk	NOUN
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gujaf-374	289	1	in	in	ADP
gujaf-374	289	2	ssrn	ssrn	PROPN
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gujaf-374	291	2	world	world	PROPN
gujaf-374	291	3	bank	bank	PROPN
gujaf-374	291	4	(	(	PUNCT
gujaf-374	291	5	2019	2019	NUM
gujaf-374	291	6	)	)	PUNCT
gujaf-374	291	7	,	,	PUNCT
gujaf-374	291	8	nigeria	nigeria	PROPN
gujaf-374	291	9	affordable	affordable	ADJ
gujaf-374	291	10	housing	housing	NOUN
gujaf-374	291	11	project	project	NOUN
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gujaf-374	292	1	working	work	VERB
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gujaf-374	292	4	.	.	PUNCT
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gujaf-374	293	6	)	)	PUNCT
gujaf-374	293	7	.	.	PUNCT
gujaf-374	294	1	energy	energy	NOUN
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gujaf-374	294	3	housing	housing	NOUN
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gujaf-374	294	5	(	(	PUNCT
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