id	sid	tid	token	lemma	pos
gujaf-379	1	1	microsoft	microsoft	PROPN
gujaf-379	1	2	word	word	PROPN
gujaf-379	1	3	fk	fk	INTJ
gujaf-379	1	4	to	to	ADP
gujaf-379	1	5	mr	mr	PROPN
gujaf-379	1	6	hassan	hassan	PROPN
gujaf-379	1	7	6	6	NUM
gujaf-379	1	8	1[1	1[1	NOUN
gujaf-379	1	9	]	]	X
gujaf-379	1	10	gusau	gusau	ADJ
gujaf-379	1	11	journal	journal	NOUN
gujaf-379	1	12	of	of	ADP
gujaf-379	1	13	accounting	accounting	NOUN
gujaf-379	1	14	and	and	CCONJ
gujaf-379	1	15	finance	finance	NOUN
gujaf-379	1	16	,	,	PUNCT
gujaf-379	1	17	vol.6	vol.6	PROPN
gujaf-379	1	18	,	,	PUNCT
gujaf-379	1	19	issue	issue	NOUN
gujaf-379	1	20	1	1	NUM
gujaf-379	1	21	,	,	PUNCT
gujaf-379	1	22	april	april	PROPN
gujaf-379	1	23	,	,	PUNCT
gujaf-379	1	24	2025	2025	NUM
gujaf-379	1	25	203	203	NUM
gujaf-379	1	26	financial	financial	ADJ
gujaf-379	1	27	risk	risk	NOUN
gujaf-379	1	28	tolerance	tolerance	NOUN
gujaf-379	1	29	and	and	CCONJ
gujaf-379	1	30	investment	investment	NOUN
gujaf-379	1	31	decisions	decision	NOUN
gujaf-379	1	32	amongst	amongst	ADP
gujaf-379	1	33	smes	sme	NOUN
gujaf-379	1	34	in	in	ADP
gujaf-379	1	35	zamfara	zamfara	PROPN
gujaf-379	1	36	state	state	PROPN
gujaf-379	1	37	:	:	PUNCT
gujaf-379	1	38	the	the	DET
gujaf-379	1	39	moderating	moderate	VERB
gujaf-379	1	40	role	role	NOUN
gujaf-379	1	41	financial	financial	ADJ
gujaf-379	1	42	literacy	literacy	NOUN
gujaf-379	1	43	ibrahim	ibrahim	PROPN
gujaf-379	1	44	lawal	lawal	PROPN
gujaf-379	1	45	,	,	PUNCT
gujaf-379	1	46	phd	phd	PROPN
gujaf-379	1	47	department	department	PROPN
gujaf-379	1	48	of	of	ADP
gujaf-379	1	49	accounting	accounting	PROPN
gujaf-379	1	50	federal	federal	PROPN
gujaf-379	1	51	university	university	PROPN
gujaf-379	1	52	birnin	birnin	NOUN
gujaf-379	1	53	kebbi	kebbi	PROPN
gujaf-379	1	54	kebbi	kebbi	PROPN
gujaf-379	1	55	state	state	PROPN
gujaf-379	1	56	lawal6492@yahoo.com	lawal6492@yahoo.com	PROPN
gujaf-379	2	1	habiba	habiba	PROPN
gujaf-379	2	2	ahmed	ahmed	PROPN
gujaf-379	2	3	gwadabe	gwadabe	PROPN
gujaf-379	2	4	department	department	PROPN
gujaf-379	2	5	of	of	ADP
gujaf-379	2	6	business	business	PROPN
gujaf-379	2	7	administration	administration	PROPN
gujaf-379	2	8	federal	federal	PROPN
gujaf-379	2	9	university	university	PROPN
gujaf-379	2	10	birnin	birnin	NOUN
gujaf-379	2	11	kebbi	kebbi	PROPN
gujaf-379	2	12	kebbi	kebbi	PROPN
gujaf-379	2	13	state	state	PROPN
gujaf-379	3	1	habeebaahmadg@gmail.com	habeebaahmadg@gmail.com	X
gujaf-379	3	2	adetokun	adetokun	PROPN
gujaf-379	3	3	akeem	akeem	PROPN
gujaf-379	3	4	abiodun	abiodun	PROPN
gujaf-379	3	5	,	,	PUNCT
gujaf-379	3	6	phd	phd	PROPN
gujaf-379	3	7	department	department	PROPN
gujaf-379	3	8	of	of	ADP
gujaf-379	3	9	banking	banking	NOUN
gujaf-379	3	10	and	and	CCONJ
gujaf-379	3	11	finance	finance	NOUN
gujaf-379	3	12	,	,	PUNCT
gujaf-379	3	13	air	air	NOUN
gujaf-379	3	14	force	force	PROPN
gujaf-379	3	15	institute	institute	PROPN
gujaf-379	3	16	of	of	ADP
gujaf-379	3	17	technology	technology	PROPN
gujaf-379	3	18	,	,	PUNCT
gujaf-379	3	19	kaduna	kaduna	PROPN
gujaf-379	3	20	adetokunak@gmail.com	adetokunak@gmail.com	PROPN
gujaf-379	4	1	https://doi.org/10.57233/gujaf.v6i1.14	https://doi.org/10.57233/gujaf.v6i1.14	PROPN
gujaf-379	4	2	abstract	abstract	ADJ
gujaf-379	4	3	many	many	ADJ
gujaf-379	4	4	small	small	ADJ
gujaf-379	4	5	and	and	CCONJ
gujaf-379	4	6	medium	medium	ADJ
gujaf-379	4	7	enterprises	enterprise	NOUN
gujaf-379	4	8	in	in	ADP
gujaf-379	4	9	zamfara	zamfara	PROPN
gujaf-379	4	10	state	state	NOUN
gujaf-379	4	11	face	face	NOUN
gujaf-379	4	12	difficulties	difficulty	NOUN
gujaf-379	4	13	turning	turn	VERB
gujaf-379	4	14	their	their	PRON
gujaf-379	4	15	willingness	willingness	NOUN
gujaf-379	4	16	to	to	PART
gujaf-379	4	17	take	take	VERB
gujaf-379	4	18	financial	financial	ADJ
gujaf-379	4	19	risks	risk	NOUN
gujaf-379	4	20	into	into	ADP
gujaf-379	4	21	sound	sound	ADJ
gujaf-379	4	22	investment	investment	NOUN
gujaf-379	4	23	decisions	decision	NOUN
gujaf-379	4	24	.	.	PUNCT
gujaf-379	5	1	one	one	NUM
gujaf-379	5	2	key	key	ADJ
gujaf-379	5	3	reason	reason	NOUN
gujaf-379	5	4	for	for	ADP
gujaf-379	5	5	this	this	DET
gujaf-379	5	6	challenge	challenge	NOUN
gujaf-379	5	7	is	be	AUX
gujaf-379	5	8	the	the	DET
gujaf-379	5	9	low	low	ADJ
gujaf-379	5	10	level	level	NOUN
gujaf-379	5	11	of	of	ADP
gujaf-379	5	12	financial	financial	ADJ
gujaf-379	5	13	literacy	literacy	NOUN
gujaf-379	5	14	among	among	ADP
gujaf-379	5	15	business	business	NOUN
gujaf-379	5	16	owners	owner	NOUN
gujaf-379	5	17	.	.	PUNCT
gujaf-379	6	1	this	this	DET
gujaf-379	6	2	study	study	NOUN
gujaf-379	6	3	set	set	VERB
gujaf-379	6	4	out	out	ADP
gujaf-379	6	5	to	to	PART
gujaf-379	6	6	examine	examine	VERB
gujaf-379	6	7	how	how	SCONJ
gujaf-379	6	8	financial	financial	ADJ
gujaf-379	6	9	literacy	literacy	NOUN
gujaf-379	6	10	shapes	shape	NOUN
gujaf-379	6	11	and	and	CCONJ
gujaf-379	6	12	strengthens	strengthen	VERB
gujaf-379	6	13	the	the	DET
gujaf-379	6	14	relationship	relationship	NOUN
gujaf-379	6	15	between	between	ADP
gujaf-379	6	16	financial	financial	ADJ
gujaf-379	6	17	risk	risk	NOUN
gujaf-379	6	18	tolerance	tolerance	NOUN
gujaf-379	6	19	and	and	CCONJ
gujaf-379	6	20	investment	investment	NOUN
gujaf-379	6	21	behavior	behavior	NOUN
gujaf-379	6	22	among	among	ADP
gujaf-379	6	23	small	small	ADJ
gujaf-379	6	24	and	and	CCONJ
gujaf-379	6	25	medium	medium	ADJ
gujaf-379	6	26	enterprise	enterprise	NOUN
gujaf-379	6	27	owners	owner	NOUN
gujaf-379	6	28	in	in	ADP
gujaf-379	6	29	zamfara	zamfara	PROPN
gujaf-379	6	30	state	state	PROPN
gujaf-379	6	31	.	.	PUNCT
gujaf-379	7	1	a	a	DET
gujaf-379	7	2	quantitative	quantitative	ADJ
gujaf-379	7	3	research	research	NOUN
gujaf-379	7	4	approach	approach	NOUN
gujaf-379	7	5	was	be	AUX
gujaf-379	7	6	used	use	VERB
gujaf-379	7	7	,	,	PUNCT
gujaf-379	7	8	drawing	draw	VERB
gujaf-379	7	9	on	on	ADP
gujaf-379	7	10	responses	response	NOUN
gujaf-379	7	11	from	from	ADP
gujaf-379	7	12	selected	select	VERB
gujaf-379	7	13	business	business	NOUN
gujaf-379	7	14	owners	owner	NOUN
gujaf-379	7	15	across	across	ADP
gujaf-379	7	16	all	all	DET
gujaf-379	7	17	local	local	ADJ
gujaf-379	7	18	government	government	NOUN
gujaf-379	7	19	areas	area	NOUN
gujaf-379	7	20	in	in	ADP
gujaf-379	7	21	the	the	DET
gujaf-379	7	22	state	state	NOUN
gujaf-379	7	23	.	.	PUNCT
gujaf-379	8	1	the	the	DET
gujaf-379	8	2	study	study	NOUN
gujaf-379	8	3	population	population	NOUN
gujaf-379	8	4	included	include	VERB
gujaf-379	8	5	formally	formally	ADV
gujaf-379	8	6	registered	register	VERB
gujaf-379	8	7	enterprises	enterprise	NOUN
gujaf-379	8	8	,	,	PUNCT
gujaf-379	8	9	and	and	CCONJ
gujaf-379	8	10	participants	participant	NOUN
gujaf-379	8	11	were	be	AUX
gujaf-379	8	12	chosen	choose	VERB
gujaf-379	8	13	through	through	ADP
gujaf-379	8	14	a	a	DET
gujaf-379	8	15	carefully	carefully	ADV
gujaf-379	8	16	structured	structured	ADJ
gujaf-379	8	17	sampling	sampling	NOUN
gujaf-379	8	18	process	process	NOUN
gujaf-379	8	19	that	that	PRON
gujaf-379	8	20	ensured	ensure	VERB
gujaf-379	8	21	fair	fair	ADJ
gujaf-379	8	22	representation	representation	NOUN
gujaf-379	8	23	across	across	ADP
gujaf-379	8	24	different	different	ADJ
gujaf-379	8	25	business	business	NOUN
gujaf-379	8	26	sectors	sector	NOUN
gujaf-379	8	27	.	.	PUNCT
gujaf-379	9	1	data	datum	NOUN
gujaf-379	9	2	were	be	AUX
gujaf-379	9	3	gathered	gather	VERB
gujaf-379	9	4	through	through	ADP
gujaf-379	9	5	a	a	DET
gujaf-379	9	6	well	well	ADV
gujaf-379	9	7	-	-	PUNCT
gujaf-379	9	8	designed	design	VERB
gujaf-379	9	9	questionnaire	questionnaire	NOUN
gujaf-379	9	10	that	that	PRON
gujaf-379	9	11	covered	cover	VERB
gujaf-379	9	12	personal	personal	ADJ
gujaf-379	9	13	information	information	NOUN
gujaf-379	9	14	,	,	PUNCT
gujaf-379	9	15	financial	financial	ADJ
gujaf-379	9	16	knowledge	knowledge	NOUN
gujaf-379	9	17	,	,	PUNCT
gujaf-379	9	18	willingness	willingness	NOUN
gujaf-379	9	19	to	to	PART
gujaf-379	9	20	take	take	VERB
gujaf-379	9	21	financial	financial	ADJ
gujaf-379	9	22	risks	risk	NOUN
gujaf-379	9	23	,	,	PUNCT
gujaf-379	9	24	and	and	CCONJ
gujaf-379	9	25	current	current	ADJ
gujaf-379	9	26	investment	investment	NOUN
gujaf-379	9	27	practices	practice	NOUN
gujaf-379	9	28	.	.	PUNCT
gujaf-379	10	1	the	the	DET
gujaf-379	10	2	questionnaire	questionnaire	NOUN
gujaf-379	10	3	was	be	AUX
gujaf-379	10	4	administered	administer	VERB
gujaf-379	10	5	both	both	CCONJ
gujaf-379	10	6	in	in	ADP
gujaf-379	10	7	person	person	NOUN
gujaf-379	10	8	and	and	CCONJ
gujaf-379	10	9	through	through	ADP
gujaf-379	10	10	electronic	electronic	ADJ
gujaf-379	10	11	means	mean	NOUN
gujaf-379	10	12	.	.	PUNCT
gujaf-379	11	1	the	the	DET
gujaf-379	11	2	collected	collect	VERB
gujaf-379	11	3	data	datum	NOUN
gujaf-379	11	4	were	be	AUX
gujaf-379	11	5	analyzed	analyze	VERB
gujaf-379	11	6	using	use	VERB
gujaf-379	11	7	statistical	statistical	ADJ
gujaf-379	11	8	methods	method	NOUN
gujaf-379	11	9	that	that	PRON
gujaf-379	11	10	allowed	allow	VERB
gujaf-379	11	11	the	the	DET
gujaf-379	11	12	researcher	researcher	NOUN
gujaf-379	11	13	to	to	PART
gujaf-379	11	14	test	test	VERB
gujaf-379	11	15	the	the	DET
gujaf-379	11	16	relationship	relationship	NOUN
gujaf-379	11	17	between	between	ADP
gujaf-379	11	18	the	the	DET
gujaf-379	11	19	key	key	ADJ
gujaf-379	11	20	variables	variable	NOUN
gujaf-379	11	21	.	.	PUNCT
gujaf-379	12	1	the	the	DET
gujaf-379	12	2	findings	finding	NOUN
gujaf-379	12	3	revealed	reveal	VERB
gujaf-379	12	4	that	that	SCONJ
gujaf-379	12	5	both	both	PRON
gujaf-379	12	6	financial	financial	ADJ
gujaf-379	12	7	risk	risk	NOUN
gujaf-379	12	8	tolerance	tolerance	NOUN
gujaf-379	12	9	and	and	CCONJ
gujaf-379	12	10	financial	financial	ADJ
gujaf-379	12	11	literacy	literacy	NOUN
gujaf-379	12	12	influence	influence	NOUN
gujaf-379	12	13	investment	investment	NOUN
gujaf-379	12	14	decisions	decision	NOUN
gujaf-379	12	15	,	,	PUNCT
gujaf-379	12	16	but	but	CCONJ
gujaf-379	12	17	the	the	DET
gujaf-379	12	18	combination	combination	NOUN
gujaf-379	12	19	of	of	ADP
gujaf-379	12	20	the	the	DET
gujaf-379	12	21	two	two	NUM
gujaf-379	12	22	had	have	VERB
gujaf-379	12	23	a	a	DET
gujaf-379	12	24	much	much	ADV
gujaf-379	12	25	stronger	strong	ADJ
gujaf-379	12	26	impact	impact	NOUN
gujaf-379	12	27	.	.	PUNCT
gujaf-379	13	1	the	the	DET
gujaf-379	13	2	study	study	NOUN
gujaf-379	13	3	concludes	conclude	VERB
gujaf-379	13	4	that	that	SCONJ
gujaf-379	13	5	financial	financial	ADJ
gujaf-379	13	6	knowledge	knowledge	NOUN
gujaf-379	13	7	plays	play	VERB
gujaf-379	13	8	a	a	DET
gujaf-379	13	9	vital	vital	ADJ
gujaf-379	13	10	role	role	NOUN
gujaf-379	13	11	in	in	ADP
gujaf-379	13	12	helping	help	VERB
gujaf-379	13	13	business	business	NOUN
gujaf-379	13	14	owners	owner	NOUN
gujaf-379	13	15	make	make	VERB
gujaf-379	13	16	smart	smart	ADJ
gujaf-379	13	17	,	,	PUNCT
gujaf-379	13	18	growth	growth	NOUN
gujaf-379	13	19	-	-	PUNCT
gujaf-379	13	20	oriented	orient	VERB
gujaf-379	13	21	investments	investment	NOUN
gujaf-379	13	22	.	.	PUNCT
gujaf-379	14	1	it	it	PRON
gujaf-379	14	2	recommends	recommend	VERB
gujaf-379	14	3	that	that	SCONJ
gujaf-379	14	4	government	government	NOUN
gujaf-379	14	5	and	and	CCONJ
gujaf-379	14	6	support	support	NOUN
gujaf-379	14	7	agencies	agency	NOUN
gujaf-379	14	8	offer	offer	VERB
gujaf-379	14	9	targeted	target	VERB
gujaf-379	14	10	financial	financial	ADJ
gujaf-379	14	11	education	education	NOUN
gujaf-379	14	12	programs	program	NOUN
gujaf-379	14	13	to	to	PART
gujaf-379	14	14	improve	improve	VERB
gujaf-379	14	15	investment	investment	NOUN
gujaf-379	14	16	outcomes	outcome	NOUN
gujaf-379	14	17	for	for	ADP
gujaf-379	14	18	entrepreneurs	entrepreneur	NOUN
gujaf-379	14	19	in	in	ADP
gujaf-379	14	20	financially	financially	ADV
gujaf-379	14	21	constrained	constrain	VERB
gujaf-379	14	22	environments	environment	NOUN
gujaf-379	14	23	.	.	PUNCT
gujaf-379	15	1	key	key	ADJ
gujaf-379	15	2	words	word	NOUN
gujaf-379	15	3	:	:	PUNCT
gujaf-379	15	4	financial	financial	ADJ
gujaf-379	15	5	literacy	literacy	NOUN
gujaf-379	15	6	,	,	PUNCT
gujaf-379	15	7	risk	risk	NOUN
gujaf-379	15	8	tolerance	tolerance	NOUN
gujaf-379	15	9	,	,	PUNCT
gujaf-379	15	10	investment	investment	NOUN
gujaf-379	15	11	decisions	decision	NOUN
gujaf-379	15	12	,	,	PUNCT
gujaf-379	15	13	smes	sme	NOUN
gujaf-379	15	14	,	,	PUNCT
gujaf-379	15	15	zamfara	zamfara	PROPN
gujaf-379	15	16	1.0	1.0	NUM
gujaf-379	15	17	introduction	introduction	NOUN
gujaf-379	15	18	sound	sound	NOUN
gujaf-379	15	19	investment	investment	NOUN
gujaf-379	15	20	decisions	decision	NOUN
gujaf-379	15	21	contribute	contribute	VERB
gujaf-379	15	22	significantly	significantly	ADV
gujaf-379	15	23	to	to	ADP
gujaf-379	15	24	the	the	DET
gujaf-379	15	25	long	long	ADJ
gujaf-379	15	26	-	-	PUNCT
gujaf-379	15	27	term	term	NOUN
gujaf-379	15	28	stability	stability	NOUN
gujaf-379	15	29	and	and	CCONJ
gujaf-379	15	30	growth	growth	NOUN
gujaf-379	15	31	of	of	ADP
gujaf-379	15	32	businesses	business	NOUN
gujaf-379	15	33	and	and	CCONJ
gujaf-379	15	34	economies	economy	NOUN
gujaf-379	15	35	alike	alike	ADV
gujaf-379	15	36	.	.	PUNCT
gujaf-379	16	1	when	when	SCONJ
gujaf-379	16	2	investors	investor	NOUN
gujaf-379	16	3	choose	choose	VERB
gujaf-379	16	4	wisely	wisely	ADV
gujaf-379	16	5	,	,	PUNCT
gujaf-379	16	6	capital	capital	NOUN
gujaf-379	16	7	is	be	AUX
gujaf-379	16	8	efficiently	efficiently	ADV
gujaf-379	16	9	allocated	allocate	VERB
gujaf-379	16	10	to	to	ADP
gujaf-379	16	11	ventures	venture	NOUN
gujaf-379	16	12	with	with	ADP
gujaf-379	16	13	high	high	ADJ
gujaf-379	16	14	potential	potential	NOUN
gujaf-379	16	15	,	,	PUNCT
gujaf-379	16	16	sparking	spark	VERB
gujaf-379	16	17	innovation	innovation	NOUN
gujaf-379	16	18	,	,	PUNCT
gujaf-379	16	19	job	job	NOUN
gujaf-379	16	20	creation	creation	NOUN
gujaf-379	16	21	,	,	PUNCT
gujaf-379	16	22	and	and	CCONJ
gujaf-379	16	23	productivity	productivity	NOUN
gujaf-379	16	24	gains	gain	NOUN
gujaf-379	16	25	.	.	PUNCT
gujaf-379	17	1	diversified	diversify	VERB
gujaf-379	17	2	investments	investment	NOUN
gujaf-379	17	3	can	can	AUX
gujaf-379	17	4	help	help	VERB
gujaf-379	17	5	mitigate	mitigate	VERB
gujaf-379	17	6	sector	sector	NOUN
gujaf-379	17	7	-	-	PUNCT
gujaf-379	17	8	specific	specific	ADJ
gujaf-379	17	9	risks	risk	NOUN
gujaf-379	17	10	,	,	PUNCT
gujaf-379	17	11	enabling	enable	VERB
gujaf-379	17	12	businesses	business	NOUN
gujaf-379	17	13	to	to	PART
gujaf-379	17	14	build	build	VERB
gujaf-379	17	15	more	more	ADV
gujaf-379	17	16	resilient	resilient	ADJ
gujaf-379	17	17	portfolios	portfolio	NOUN
gujaf-379	17	18	.	.	PUNCT
gujaf-379	18	1	profitable	profitable	ADJ
gujaf-379	18	2	investment	investment	NOUN
gujaf-379	18	3	channels	channel	NOUN
gujaf-379	18	4	such	such	ADJ
gujaf-379	18	5	as	as	ADP
gujaf-379	18	6	equities	equity	NOUN
gujaf-379	18	7	,	,	PUNCT
gujaf-379	18	8	real	real	ADJ
gujaf-379	18	9	estate	estate	NOUN
gujaf-379	18	10	,	,	PUNCT
gujaf-379	18	11	and	and	CCONJ
gujaf-379	18	12	bonds	bond	NOUN
gujaf-379	18	13	drive	drive	VERB
gujaf-379	18	14	individual	individual	ADJ
gujaf-379	18	15	and	and	CCONJ
gujaf-379	18	16	institutional	institutional	ADJ
gujaf-379	18	17	wealth	wealth	NOUN
gujaf-379	18	18	accumulation	accumulation	NOUN
gujaf-379	18	19	.	.	PUNCT
gujaf-379	19	1	the	the	DET
gujaf-379	19	2	effect	effect	NOUN
gujaf-379	19	3	includes	include	VERB
gujaf-379	19	4	increased	increase	VERB
gujaf-379	19	5	consumer	consumer	NOUN
gujaf-379	19	6	spending	spending	NOUN
gujaf-379	19	7	,	,	PUNCT
gujaf-379	19	8	enhanced	enhance	VERB
gujaf-379	19	9	business	business	NOUN
gujaf-379	19	10	confidence	confidence	NOUN
gujaf-379	19	11	,	,	PUNCT
gujaf-379	19	12	and	and	CCONJ
gujaf-379	19	13	greater	great	ADJ
gujaf-379	19	14	market	market	NOUN
gujaf-379	19	15	liquidity	liquidity	NOUN
gujaf-379	19	16	.	.	PUNCT
gujaf-379	20	1	with	with	ADP
gujaf-379	20	2	improved	improved	ADJ
gujaf-379	20	3	infrastructure	infrastructure	NOUN
gujaf-379	20	4	and	and	CCONJ
gujaf-379	20	5	technological	technological	ADJ
gujaf-379	20	6	adoption	adoption	NOUN
gujaf-379	20	7	often	often	ADV
gujaf-379	20	8	fueled	fuel	VERB
gujaf-379	20	9	by	by	ADP
gujaf-379	20	10	investments	investment	NOUN
gujaf-379	20	11	,	,	PUNCT
gujaf-379	20	12	the	the	DET
gujaf-379	20	13	business	business	NOUN
gujaf-379	20	14	environment	environment	NOUN
gujaf-379	20	15	gusau	gusau	PROPN
gujaf-379	20	16	journal	journal	PROPN
gujaf-379	20	17	of	of	ADP
gujaf-379	20	18	accounting	accounting	NOUN
gujaf-379	20	19	and	and	CCONJ
gujaf-379	20	20	finance	finance	NOUN
gujaf-379	20	21	,	,	PUNCT
gujaf-379	20	22	vol.6	vol.6	PROPN
gujaf-379	20	23	,	,	PUNCT
gujaf-379	20	24	issue	issue	NOUN
gujaf-379	20	25	1	1	NUM
gujaf-379	20	26	,	,	PUNCT
gujaf-379	20	27	april	april	PROPN
gujaf-379	20	28	,	,	PUNCT
gujaf-379	20	29	2025	2025	NUM
gujaf-379	20	30	204	204	NUM
gujaf-379	20	31	becomes	become	VERB
gujaf-379	20	32	more	more	ADV
gujaf-379	20	33	competitive	competitive	ADJ
gujaf-379	20	34	and	and	CCONJ
gujaf-379	20	35	forward	forward	ADV
gujaf-379	20	36	-	-	PUNCT
gujaf-379	20	37	looking	look	VERB
gujaf-379	20	38	.	.	PUNCT
gujaf-379	21	1	these	these	DET
gujaf-379	21	2	strategic	strategic	ADJ
gujaf-379	21	3	moves	move	NOUN
gujaf-379	21	4	ultimately	ultimately	ADV
gujaf-379	21	5	empower	empower	VERB
gujaf-379	21	6	communities	community	NOUN
gujaf-379	21	7	through	through	ADP
gujaf-379	21	8	improved	improved	ADJ
gujaf-379	21	9	standards	standard	NOUN
gujaf-379	21	10	of	of	ADP
gujaf-379	21	11	living	living	NOUN
gujaf-379	21	12	and	and	CCONJ
gujaf-379	21	13	economic	economic	ADJ
gujaf-379	21	14	empowerment	empowerment	NOUN
gujaf-379	21	15	.	.	PUNCT
gujaf-379	22	1	additionally	additionally	ADV
gujaf-379	22	2	,	,	PUNCT
gujaf-379	22	3	well	well	ADV
gujaf-379	22	4	-	-	PUNCT
gujaf-379	22	5	informed	inform	VERB
gujaf-379	22	6	investment	investment	NOUN
gujaf-379	22	7	decisions	decision	NOUN
gujaf-379	22	8	encourage	encourage	VERB
gujaf-379	22	9	financial	financial	ADJ
gujaf-379	22	10	discipline	discipline	NOUN
gujaf-379	22	11	and	and	CCONJ
gujaf-379	22	12	proactive	proactive	ADJ
gujaf-379	22	13	planning	planning	NOUN
gujaf-379	22	14	,	,	PUNCT
gujaf-379	22	15	both	both	PRON
gujaf-379	22	16	of	of	ADP
gujaf-379	22	17	which	which	PRON
gujaf-379	22	18	are	be	AUX
gujaf-379	22	19	crucial	crucial	ADJ
gujaf-379	22	20	for	for	ADP
gujaf-379	22	21	achieving	achieve	VERB
gujaf-379	22	22	long	long	ADJ
gujaf-379	22	23	-	-	PUNCT
gujaf-379	22	24	term	term	NOUN
gujaf-379	22	25	goals	goal	NOUN
gujaf-379	22	26	.	.	PUNCT
gujaf-379	23	1	for	for	ADP
gujaf-379	23	2	entrepreneurs	entrepreneur	NOUN
gujaf-379	23	3	and	and	CCONJ
gujaf-379	23	4	smes	sme	NOUN
gujaf-379	23	5	,	,	PUNCT
gujaf-379	23	6	this	this	PRON
gujaf-379	23	7	means	mean	VERB
gujaf-379	23	8	better	well	ADJ
gujaf-379	23	9	resource	resource	NOUN
gujaf-379	23	10	allocation	allocation	NOUN
gujaf-379	23	11	,	,	PUNCT
gujaf-379	23	12	reduced	reduce	VERB
gujaf-379	23	13	dependence	dependence	NOUN
gujaf-379	23	14	on	on	ADP
gujaf-379	23	15	debt	debt	NOUN
gujaf-379	23	16	,	,	PUNCT
gujaf-379	23	17	and	and	CCONJ
gujaf-379	23	18	enhanced	enhanced	ADJ
gujaf-379	23	19	scalability	scalability	NOUN
gujaf-379	23	20	.	.	PUNCT
gujaf-379	24	1	smart	smart	ADJ
gujaf-379	24	2	investments	investment	NOUN
gujaf-379	24	3	often	often	ADV
gujaf-379	24	4	lead	lead	VERB
gujaf-379	24	5	to	to	ADP
gujaf-379	24	6	financial	financial	ADJ
gujaf-379	24	7	resilience	resilience	NOUN
gujaf-379	24	8	,	,	PUNCT
gujaf-379	24	9	allowing	allow	VERB
gujaf-379	24	10	businesses	business	NOUN
gujaf-379	24	11	to	to	PART
gujaf-379	24	12	adapt	adapt	VERB
gujaf-379	24	13	to	to	ADP
gujaf-379	24	14	market	market	NOUN
gujaf-379	24	15	changes	change	NOUN
gujaf-379	24	16	and	and	CCONJ
gujaf-379	24	17	seize	seize	VERB
gujaf-379	24	18	emerging	emerge	VERB
gujaf-379	24	19	opportunities	opportunity	NOUN
gujaf-379	24	20	.	.	PUNCT
gujaf-379	25	1	they	they	PRON
gujaf-379	25	2	also	also	ADV
gujaf-379	25	3	strengthen	strengthen	VERB
gujaf-379	25	4	stakeholder	stakeholder	NOUN
gujaf-379	25	5	confidence	confidence	NOUN
gujaf-379	25	6	,	,	PUNCT
gujaf-379	25	7	attract	attract	VERB
gujaf-379	25	8	external	external	ADJ
gujaf-379	25	9	funding	funding	NOUN
gujaf-379	25	10	,	,	PUNCT
gujaf-379	25	11	and	and	CCONJ
gujaf-379	25	12	support	support	NOUN
gujaf-379	25	13	business	business	NOUN
gujaf-379	25	14	continuity	continuity	NOUN
gujaf-379	25	15	.	.	PUNCT
gujaf-379	26	1	at	at	ADP
gujaf-379	26	2	a	a	DET
gujaf-379	26	3	macro	macro	ADJ
gujaf-379	26	4	level	level	NOUN
gujaf-379	26	5	,	,	PUNCT
gujaf-379	26	6	efficient	efficient	ADJ
gujaf-379	26	7	investments	investment	NOUN
gujaf-379	26	8	influence	influence	NOUN
gujaf-379	26	9	policy	policy	NOUN
gujaf-379	26	10	formulation	formulation	NOUN
gujaf-379	26	11	,	,	PUNCT
gujaf-379	26	12	financial	financial	ADJ
gujaf-379	26	13	innovation	innovation	NOUN
gujaf-379	26	14	,	,	PUNCT
gujaf-379	26	15	and	and	CCONJ
gujaf-379	26	16	economic	economic	ADJ
gujaf-379	26	17	diversification	diversification	NOUN
gujaf-379	26	18	.	.	PUNCT
gujaf-379	27	1	this	this	DET
gujaf-379	27	2	financial	financial	ADJ
gujaf-379	27	3	dynamism	dynamism	NOUN
gujaf-379	27	4	fosters	foster	VERB
gujaf-379	27	5	a	a	DET
gujaf-379	27	6	more	more	ADV
gujaf-379	27	7	inclusive	inclusive	ADJ
gujaf-379	27	8	economy	economy	NOUN
gujaf-379	27	9	,	,	PUNCT
gujaf-379	27	10	offering	offer	VERB
gujaf-379	27	11	pathways	pathway	NOUN
gujaf-379	27	12	out	out	ADP
gujaf-379	27	13	of	of	ADP
gujaf-379	27	14	poverty	poverty	NOUN
gujaf-379	27	15	and	and	CCONJ
gujaf-379	27	16	inequality	inequality	NOUN
gujaf-379	27	17	.	.	PUNCT
gujaf-379	28	1	as	as	ADP
gujaf-379	28	2	a	a	DET
gujaf-379	28	3	result	result	NOUN
gujaf-379	28	4	,	,	PUNCT
gujaf-379	28	5	investment	investment	NOUN
gujaf-379	28	6	decisions	decision	NOUN
gujaf-379	28	7	are	be	AUX
gujaf-379	28	8	not	not	PART
gujaf-379	28	9	just	just	ADV
gujaf-379	28	10	economic	economic	ADJ
gujaf-379	28	11	tools	tool	NOUN
gujaf-379	28	12	but	but	CCONJ
gujaf-379	28	13	catalysts	catalyst	NOUN
gujaf-379	28	14	for	for	ADP
gujaf-379	28	15	sustainable	sustainable	ADJ
gujaf-379	28	16	development	development	NOUN
gujaf-379	28	17	and	and	CCONJ
gujaf-379	28	18	transformation	transformation	NOUN
gujaf-379	28	19	.	.	PUNCT
gujaf-379	29	1	investment	investment	NOUN
gujaf-379	29	2	decisions	decision	NOUN
gujaf-379	29	3	by	by	ADP
gujaf-379	29	4	smes	sme	NOUN
gujaf-379	29	5	in	in	ADP
gujaf-379	29	6	nigeria	nigeria	PROPN
gujaf-379	29	7	,	,	PUNCT
gujaf-379	29	8	which	which	PRON
gujaf-379	29	9	contribute	contribute	VERB
gujaf-379	29	10	approximately	approximately	ADV
gujaf-379	29	11	48	48	NUM
gujaf-379	29	12	%	%	NOUN
gujaf-379	29	13	to	to	ADP
gujaf-379	29	14	the	the	DET
gujaf-379	29	15	country	country	NOUN
gujaf-379	29	16	's	's	PART
gujaf-379	29	17	gross	gross	ADJ
gujaf-379	29	18	domestic	domestic	ADJ
gujaf-379	29	19	product	product	NOUN
gujaf-379	29	20	(	(	PUNCT
gujaf-379	29	21	smedan	smedan	ADJ
gujaf-379	29	22	,	,	PUNCT
gujaf-379	29	23	2023	2023	NUM
gujaf-379	29	24	;	;	PUNCT
gujaf-379	29	25	nbs	nbs	PROPN
gujaf-379	29	26	,	,	PUNCT
gujaf-379	29	27	2023	2023	NUM
gujaf-379	29	28	)	)	PUNCT
gujaf-379	29	29	have	have	AUX
gujaf-379	29	30	become	become	VERB
gujaf-379	29	31	a	a	DET
gujaf-379	29	32	cornerstone	cornerstone	NOUN
gujaf-379	29	33	for	for	ADP
gujaf-379	29	34	economic	economic	ADJ
gujaf-379	29	35	revitalization	revitalization	NOUN
gujaf-379	29	36	,	,	PUNCT
gujaf-379	29	37	driving	drive	VERB
gujaf-379	29	38	innovation	innovation	NOUN
gujaf-379	29	39	,	,	PUNCT
gujaf-379	29	40	job	job	NOUN
gujaf-379	29	41	creation	creation	NOUN
gujaf-379	29	42	,	,	PUNCT
gujaf-379	29	43	and	and	CCONJ
gujaf-379	29	44	regional	regional	ADJ
gujaf-379	29	45	development	development	NOUN
gujaf-379	29	46	.	.	PUNCT
gujaf-379	30	1	as	as	ADP
gujaf-379	30	2	small	small	ADJ
gujaf-379	30	3	and	and	CCONJ
gujaf-379	30	4	medium	medium	ADJ
gujaf-379	30	5	enterprises	enterprise	NOUN
gujaf-379	30	6	channel	channel	NOUN
gujaf-379	30	7	resources	resource	NOUN
gujaf-379	30	8	into	into	ADP
gujaf-379	30	9	productive	productive	ADJ
gujaf-379	30	10	assets	asset	NOUN
gujaf-379	30	11	,	,	PUNCT
gujaf-379	30	12	they	they	PRON
gujaf-379	30	13	stimulate	stimulate	VERB
gujaf-379	30	14	local	local	ADJ
gujaf-379	30	15	industries	industry	NOUN
gujaf-379	30	16	,	,	PUNCT
gujaf-379	30	17	bridge	bridge	NOUN
gujaf-379	30	18	market	market	NOUN
gujaf-379	30	19	gaps	gap	NOUN
gujaf-379	30	20	,	,	PUNCT
gujaf-379	30	21	and	and	CCONJ
gujaf-379	30	22	drive	drive	VERB
gujaf-379	30	23	competition	competition	NOUN
gujaf-379	30	24	.	.	PUNCT
gujaf-379	31	1	these	these	DET
gujaf-379	31	2	decisions	decision	NOUN
gujaf-379	31	3	often	often	ADV
gujaf-379	31	4	lead	lead	VERB
gujaf-379	31	5	to	to	ADP
gujaf-379	31	6	enhanced	enhanced	ADJ
gujaf-379	31	7	operational	operational	ADJ
gujaf-379	31	8	capacity	capacity	NOUN
gujaf-379	31	9	,	,	PUNCT
gujaf-379	31	10	enabling	enable	VERB
gujaf-379	31	11	businesses	business	NOUN
gujaf-379	31	12	to	to	PART
gujaf-379	31	13	scale	scale	VERB
gujaf-379	31	14	and	and	CCONJ
gujaf-379	31	15	penetrate	penetrate	VERB
gujaf-379	31	16	new	new	ADJ
gujaf-379	31	17	markets	market	NOUN
gujaf-379	31	18	.	.	PUNCT
gujaf-379	32	1	with	with	ADP
gujaf-379	32	2	each	each	DET
gujaf-379	32	3	strategic	strategic	ADJ
gujaf-379	32	4	investment	investment	NOUN
gujaf-379	32	5	whether	whether	SCONJ
gujaf-379	32	6	in	in	ADP
gujaf-379	32	7	technology	technology	NOUN
gujaf-379	32	8	,	,	PUNCT
gujaf-379	32	9	infrastructure	infrastructure	NOUN
gujaf-379	32	10	,	,	PUNCT
gujaf-379	32	11	or	or	CCONJ
gujaf-379	32	12	human	human	ADJ
gujaf-379	32	13	capital	capital	NOUN
gujaf-379	32	14	,	,	PUNCT
gujaf-379	32	15	smes	sme	NOUN
gujaf-379	32	16	improve	improve	VERB
gujaf-379	32	17	efficiency	efficiency	NOUN
gujaf-379	32	18	,	,	PUNCT
gujaf-379	32	19	reduce	reduce	VERB
gujaf-379	32	20	costs	cost	NOUN
gujaf-379	32	21	,	,	PUNCT
gujaf-379	32	22	and	and	CCONJ
gujaf-379	32	23	increase	increase	VERB
gujaf-379	32	24	profitability	profitability	NOUN
gujaf-379	32	25	.	.	PUNCT
gujaf-379	33	1	this	this	DET
gujaf-379	33	2	growth	growth	NOUN
gujaf-379	33	3	does	do	AUX
gujaf-379	33	4	not	not	PART
gujaf-379	33	5	only	only	ADV
gujaf-379	33	6	benefit	benefit	VERB
gujaf-379	33	7	the	the	DET
gujaf-379	33	8	enterprise	enterprise	NOUN
gujaf-379	33	9	but	but	CCONJ
gujaf-379	33	10	also	also	ADV
gujaf-379	33	11	strengthens	strengthen	VERB
gujaf-379	33	12	supply	supply	NOUN
gujaf-379	33	13	chains	chain	NOUN
gujaf-379	33	14	and	and	CCONJ
gujaf-379	33	15	creates	create	VERB
gujaf-379	33	16	employment	employment	NOUN
gujaf-379	33	17	opportunities	opportunity	NOUN
gujaf-379	33	18	.	.	PUNCT
gujaf-379	34	1	additionally	additionally	ADV
gujaf-379	34	2	,	,	PUNCT
gujaf-379	34	3	investment	investment	NOUN
gujaf-379	34	4	-	-	PUNCT
gujaf-379	34	5	led	lead	VERB
gujaf-379	34	6	expansion	expansion	NOUN
gujaf-379	34	7	helps	helps	AUX
gujaf-379	34	8	attract	attract	VERB
gujaf-379	34	9	partnerships	partnership	NOUN
gujaf-379	34	10	and	and	CCONJ
gujaf-379	34	11	access	access	NOUN
gujaf-379	34	12	to	to	ADP
gujaf-379	34	13	broader	broad	ADJ
gujaf-379	34	14	funding	funding	NOUN
gujaf-379	34	15	options	option	NOUN
gujaf-379	34	16	,	,	PUNCT
gujaf-379	34	17	further	far	ADV
gujaf-379	34	18	anchoring	anchor	VERB
gujaf-379	34	19	business	business	NOUN
gujaf-379	34	20	sustainability	sustainability	NOUN
gujaf-379	34	21	.	.	PUNCT
gujaf-379	35	1	the	the	DET
gujaf-379	35	2	cumulative	cumulative	ADJ
gujaf-379	35	3	effect	effect	NOUN
gujaf-379	35	4	energizes	energize	VERB
gujaf-379	35	5	domestic	domestic	ADJ
gujaf-379	35	6	markets	market	NOUN
gujaf-379	35	7	and	and	CCONJ
gujaf-379	35	8	reinforces	reinforce	VERB
gujaf-379	35	9	nigeria	nigeria	PROPN
gujaf-379	35	10	’s	’s	PART
gujaf-379	35	11	economic	economic	ADJ
gujaf-379	35	12	self	self	NOUN
gujaf-379	35	13	-	-	PUNCT
gujaf-379	35	14	reliance	reliance	NOUN
gujaf-379	35	15	.	.	PUNCT
gujaf-379	36	1	furthermore	furthermore	ADV
gujaf-379	36	2	,	,	PUNCT
gujaf-379	36	3	when	when	SCONJ
gujaf-379	36	4	smes	sme	NOUN
gujaf-379	36	5	make	make	VERB
gujaf-379	36	6	informed	informed	ADJ
gujaf-379	36	7	investment	investment	NOUN
gujaf-379	36	8	choices	choice	NOUN
gujaf-379	36	9	,	,	PUNCT
gujaf-379	36	10	they	they	PRON
gujaf-379	36	11	lay	lie	VERB
gujaf-379	36	12	the	the	DET
gujaf-379	36	13	groundwork	groundwork	NOUN
gujaf-379	36	14	for	for	ADP
gujaf-379	36	15	longterm	longterm	ADJ
gujaf-379	36	16	resilience	resilience	NOUN
gujaf-379	36	17	in	in	ADP
gujaf-379	36	18	an	an	DET
gujaf-379	36	19	often	often	ADV
gujaf-379	36	20	-	-	PUNCT
gujaf-379	36	21	volatile	volatile	ADJ
gujaf-379	36	22	economic	economic	ADJ
gujaf-379	36	23	climate	climate	NOUN
gujaf-379	36	24	.	.	PUNCT
gujaf-379	37	1	these	these	DET
gujaf-379	37	2	decisions	decision	NOUN
gujaf-379	37	3	empower	empower	NOUN
gujaf-379	37	4	businesses	business	NOUN
gujaf-379	37	5	to	to	PART
gujaf-379	37	6	diversify	diversify	VERB
gujaf-379	37	7	their	their	PRON
gujaf-379	37	8	offerings	offering	NOUN
gujaf-379	37	9	,	,	PUNCT
gujaf-379	37	10	manage	manage	VERB
gujaf-379	37	11	risks	risk	NOUN
gujaf-379	37	12	more	more	ADV
gujaf-379	37	13	effectively	effectively	ADV
gujaf-379	37	14	,	,	PUNCT
gujaf-379	37	15	and	and	CCONJ
gujaf-379	37	16	remain	remain	VERB
gujaf-379	37	17	agile	agile	ADJ
gujaf-379	37	18	amidst	amidst	ADP
gujaf-379	37	19	policy	policy	NOUN
gujaf-379	37	20	or	or	CCONJ
gujaf-379	37	21	market	market	NOUN
gujaf-379	37	22	shifts	shift	NOUN
gujaf-379	37	23	.	.	PUNCT
gujaf-379	38	1	strategic	strategic	ADJ
gujaf-379	38	2	investments	investment	NOUN
gujaf-379	38	3	in	in	ADP
gujaf-379	38	4	innovation	innovation	NOUN
gujaf-379	38	5	and	and	CCONJ
gujaf-379	38	6	capacity	capacity	NOUN
gujaf-379	38	7	-	-	PUNCT
gujaf-379	38	8	building	building	NOUN
gujaf-379	38	9	also	also	ADV
gujaf-379	38	10	enhance	enhance	VERB
gujaf-379	38	11	competitiveness	competitiveness	NOUN
gujaf-379	38	12	,	,	PUNCT
gujaf-379	38	13	allowing	allow	VERB
gujaf-379	38	14	nigerian	nigerian	ADJ
gujaf-379	38	15	smes	sme	NOUN
gujaf-379	38	16	to	to	PART
gujaf-379	38	17	meet	meet	VERB
gujaf-379	38	18	both	both	CCONJ
gujaf-379	38	19	local	local	ADJ
gujaf-379	38	20	and	and	CCONJ
gujaf-379	38	21	global	global	ADJ
gujaf-379	38	22	demands	demand	NOUN
gujaf-379	38	23	.	.	PUNCT
gujaf-379	39	1	as	as	SCONJ
gujaf-379	39	2	profitability	profitability	NOUN
gujaf-379	39	3	improves	improve	VERB
gujaf-379	39	4	,	,	PUNCT
gujaf-379	39	5	many	many	ADJ
gujaf-379	39	6	of	of	ADP
gujaf-379	39	7	these	these	DET
gujaf-379	39	8	enterprises	enterprise	NOUN
gujaf-379	39	9	reinvest	reinvest	VERB
gujaf-379	39	10	into	into	ADP
gujaf-379	39	11	their	their	PRON
gujaf-379	39	12	communities	community	NOUN
gujaf-379	39	13	,	,	PUNCT
gujaf-379	39	14	supporting	support	VERB
gujaf-379	39	15	education	education	NOUN
gujaf-379	39	16	,	,	PUNCT
gujaf-379	39	17	infrastructure	infrastructure	NOUN
gujaf-379	39	18	,	,	PUNCT
gujaf-379	39	19	and	and	CCONJ
gujaf-379	39	20	social	social	ADJ
gujaf-379	39	21	impact	impact	NOUN
gujaf-379	39	22	projects	project	NOUN
gujaf-379	39	23	.	.	PUNCT
gujaf-379	40	1	this	this	PRON
gujaf-379	40	2	reinforces	reinforce	VERB
gujaf-379	40	3	a	a	DET
gujaf-379	40	4	cycle	cycle	NOUN
gujaf-379	40	5	of	of	ADP
gujaf-379	40	6	economic	economic	ADJ
gujaf-379	40	7	empowerment	empowerment	NOUN
gujaf-379	40	8	where	where	SCONJ
gujaf-379	40	9	wealth	wealth	NOUN
gujaf-379	40	10	is	be	AUX
gujaf-379	40	11	redistributed	redistribute	VERB
gujaf-379	40	12	and	and	CCONJ
gujaf-379	40	13	local	local	ADJ
gujaf-379	40	14	development	development	NOUN
gujaf-379	40	15	accelerates	accelerate	VERB
gujaf-379	40	16	.	.	PUNCT
gujaf-379	41	1	with	with	ADP
gujaf-379	41	2	increased	increase	VERB
gujaf-379	41	3	confidence	confidence	NOUN
gujaf-379	41	4	in	in	ADP
gujaf-379	41	5	the	the	DET
gujaf-379	41	6	private	private	ADJ
gujaf-379	41	7	sector	sector	NOUN
gujaf-379	41	8	,	,	PUNCT
gujaf-379	41	9	government	government	NOUN
gujaf-379	41	10	and	and	CCONJ
gujaf-379	41	11	international	international	ADJ
gujaf-379	41	12	stakeholders	stakeholder	NOUN
gujaf-379	41	13	are	be	AUX
gujaf-379	41	14	more	more	ADV
gujaf-379	41	15	likely	likely	ADJ
gujaf-379	41	16	to	to	PART
gujaf-379	41	17	support	support	VERB
gujaf-379	41	18	sme	sme	NOUN
gujaf-379	41	19	-	-	PUNCT
gujaf-379	41	20	led	lead	VERB
gujaf-379	41	21	initiatives	initiative	NOUN
gujaf-379	41	22	.	.	PUNCT
gujaf-379	42	1	thus	thus	ADV
gujaf-379	42	2	,	,	PUNCT
gujaf-379	42	3	positive	positive	ADJ
gujaf-379	42	4	investment	investment	NOUN
gujaf-379	42	5	decisions	decision	NOUN
gujaf-379	42	6	are	be	AUX
gujaf-379	42	7	not	not	PART
gujaf-379	42	8	merely	merely	ADV
gujaf-379	42	9	business	business	NOUN
gujaf-379	42	10	strategies	strategy	NOUN
gujaf-379	42	11	but	but	CCONJ
gujaf-379	42	12	powerful	powerful	ADJ
gujaf-379	42	13	drivers	driver	NOUN
gujaf-379	42	14	of	of	ADP
gujaf-379	42	15	national	national	ADJ
gujaf-379	42	16	transformation	transformation	NOUN
gujaf-379	42	17	.	.	PUNCT
gujaf-379	43	1	despite	despite	SCONJ
gujaf-379	43	2	the	the	DET
gujaf-379	43	3	promising	promising	ADJ
gujaf-379	43	4	outcomes	outcome	NOUN
gujaf-379	43	5	of	of	ADP
gujaf-379	43	6	strategic	strategic	ADJ
gujaf-379	43	7	investment	investment	NOUN
gujaf-379	43	8	decisions	decision	NOUN
gujaf-379	43	9	,	,	PUNCT
gujaf-379	43	10	smes	sme	NOUN
gujaf-379	43	11	in	in	ADP
gujaf-379	43	12	nigeria	nigeria	PROPN
gujaf-379	43	13	,	,	PUNCT
gujaf-379	43	14	particularly	particularly	ADV
gujaf-379	43	15	in	in	ADP
gujaf-379	43	16	states	state	NOUN
gujaf-379	43	17	like	like	ADP
gujaf-379	43	18	zamfara	zamfara	PROPN
gujaf-379	43	19	state	state	PROPN
gujaf-379	43	20	,	,	PUNCT
gujaf-379	43	21	continue	continue	VERB
gujaf-379	43	22	to	to	PART
gujaf-379	43	23	face	face	VERB
gujaf-379	43	24	formidable	formidable	ADJ
gujaf-379	43	25	barriers	barrier	NOUN
gujaf-379	43	26	rooted	root	VERB
gujaf-379	43	27	in	in	ADP
gujaf-379	43	28	financial	financial	ADJ
gujaf-379	43	29	risk	risk	NOUN
gujaf-379	43	30	intolerance	intolerance	NOUN
gujaf-379	43	31	.	.	PUNCT
gujaf-379	44	1	this	this	DET
gujaf-379	44	2	reluctance	reluctance	NOUN
gujaf-379	44	3	to	to	PART
gujaf-379	44	4	engage	engage	VERB
gujaf-379	44	5	in	in	ADP
gujaf-379	44	6	potentially	potentially	ADV
gujaf-379	44	7	high	high	ADJ
gujaf-379	44	8	-	-	PUNCT
gujaf-379	44	9	reward	reward	NOUN
gujaf-379	44	10	ventures	venture	NOUN
gujaf-379	44	11	stems	stem	VERB
gujaf-379	44	12	largely	largely	ADV
gujaf-379	44	13	from	from	ADP
gujaf-379	44	14	low	low	ADJ
gujaf-379	44	15	levels	level	NOUN
gujaf-379	44	16	of	of	ADP
gujaf-379	44	17	financial	financial	ADJ
gujaf-379	44	18	literacy	literacy	NOUN
gujaf-379	44	19	,	,	PUNCT
gujaf-379	44	20	which	which	PRON
gujaf-379	44	21	impairs	impair	VERB
gujaf-379	44	22	the	the	DET
gujaf-379	44	23	ability	ability	NOUN
gujaf-379	44	24	of	of	ADP
gujaf-379	44	25	business	business	NOUN
gujaf-379	44	26	owners	owner	NOUN
gujaf-379	44	27	to	to	PART
gujaf-379	44	28	evaluate	evaluate	VERB
gujaf-379	44	29	and	and	CCONJ
gujaf-379	44	30	navigate	navigate	VERB
gujaf-379	44	31	investment	investment	NOUN
gujaf-379	44	32	risks	risk	NOUN
gujaf-379	44	33	effectively	effectively	ADV
gujaf-379	44	34	.	.	PUNCT
gujaf-379	45	1	in	in	ADP
gujaf-379	45	2	zamfara	zamfara	PROPN
gujaf-379	45	3	,	,	PUNCT
gujaf-379	45	4	where	where	SCONJ
gujaf-379	45	5	economic	economic	ADJ
gujaf-379	45	6	vulnerabilities	vulnerability	NOUN
gujaf-379	45	7	are	be	AUX
gujaf-379	45	8	more	more	ADV
gujaf-379	45	9	pronounced	pronounced	ADJ
gujaf-379	45	10	,	,	PUNCT
gujaf-379	45	11	many	many	ADJ
gujaf-379	45	12	sme	sme	NOUN
gujaf-379	45	13	operators	operator	NOUN
gujaf-379	45	14	prioritize	prioritize	VERB
gujaf-379	45	15	immediate	immediate	ADJ
gujaf-379	45	16	survival	survival	NOUN
gujaf-379	45	17	over	over	ADP
gujaf-379	45	18	long	long	ADJ
gujaf-379	45	19	-	-	PUNCT
gujaf-379	45	20	term	term	NOUN
gujaf-379	45	21	wealth	wealth	NOUN
gujaf-379	45	22	creation	creation	NOUN
gujaf-379	45	23	,	,	PUNCT
gujaf-379	45	24	often	often	ADV
gujaf-379	45	25	avoiding	avoid	VERB
gujaf-379	45	26	investments	investment	NOUN
gujaf-379	45	27	that	that	PRON
gujaf-379	45	28	appear	appear	VERB
gujaf-379	45	29	uncertain	uncertain	ADJ
gujaf-379	45	30	or	or	CCONJ
gujaf-379	45	31	complex	complex	ADJ
gujaf-379	45	32	.	.	PUNCT
gujaf-379	46	1	research	research	NOUN
gujaf-379	46	2	reveals	reveal	VERB
gujaf-379	46	3	that	that	SCONJ
gujaf-379	46	4	financial	financial	ADJ
gujaf-379	46	5	knowledge	knowledge	NOUN
gujaf-379	46	6	,	,	PUNCT
gujaf-379	46	7	behavior	behavior	NOUN
gujaf-379	46	8	,	,	PUNCT
gujaf-379	46	9	and	and	CCONJ
gujaf-379	46	10	attitude	attitude	NOUN
gujaf-379	46	11	significantly	significantly	ADV
gujaf-379	46	12	influence	influence	VERB
gujaf-379	46	13	the	the	DET
gujaf-379	46	14	financial	financial	ADJ
gujaf-379	46	15	performance	performance	NOUN
gujaf-379	46	16	of	of	ADP
gujaf-379	46	17	smes	sme	NOUN
gujaf-379	46	18	in	in	ADP
gujaf-379	46	19	zamfara	zamfara	PROPN
gujaf-379	46	20	state	state	PROPN
gujaf-379	46	21	,	,	PUNCT
gujaf-379	46	22	with	with	ADP
gujaf-379	46	23	the	the	DET
gujaf-379	46	24	findings	finding	NOUN
gujaf-379	46	25	indicating	indicate	VERB
gujaf-379	46	26	a	a	DET
gujaf-379	46	27	strong	strong	ADJ
gujaf-379	46	28	positive	positive	ADJ
gujaf-379	46	29	relationship	relationship	NOUN
gujaf-379	46	30	between	between	ADP
gujaf-379	46	31	financial	financial	ADJ
gujaf-379	46	32	gusau	gusau	ADJ
gujaf-379	46	33	journal	journal	NOUN
gujaf-379	46	34	of	of	ADP
gujaf-379	46	35	accounting	accounting	NOUN
gujaf-379	46	36	and	and	CCONJ
gujaf-379	46	37	finance	finance	NOUN
gujaf-379	46	38	,	,	PUNCT
gujaf-379	46	39	vol.6	vol.6	PROPN
gujaf-379	46	40	,	,	PUNCT
gujaf-379	46	41	issue	issue	NOUN
gujaf-379	46	42	1	1	NUM
gujaf-379	46	43	,	,	PUNCT
gujaf-379	46	44	april	april	PROPN
gujaf-379	46	45	,	,	PUNCT
gujaf-379	46	46	2025	2025	NUM
gujaf-379	46	47	205	205	NUM
gujaf-379	46	48	literacy	literacy	NOUN
gujaf-379	46	49	and	and	CCONJ
gujaf-379	46	50	financial	financial	ADJ
gujaf-379	46	51	performance	performance	NOUN
gujaf-379	46	52	(	(	PUNCT
gujaf-379	46	53	bamidele	bamidele	PROPN
gujaf-379	46	54	,	,	PUNCT
gujaf-379	46	55	ani	ani	X
gujaf-379	46	56	&	&	CCONJ
gujaf-379	46	57	yusuf	yusuf	PROPN
gujaf-379	46	58	,	,	PUNCT
gujaf-379	46	59	2024	2024	NUM
gujaf-379	46	60	)	)	PUNCT
gujaf-379	46	61	.	.	PUNCT
gujaf-379	47	1	this	this	DET
gujaf-379	47	2	cautious	cautious	ADJ
gujaf-379	47	3	approach	approach	NOUN
gujaf-379	47	4	limits	limit	VERB
gujaf-379	47	5	their	their	PRON
gujaf-379	47	6	growth	growth	NOUN
gujaf-379	47	7	potential	potential	NOUN
gujaf-379	47	8	,	,	PUNCT
gujaf-379	47	9	hampers	hamper	VERB
gujaf-379	47	10	competitiveness	competitiveness	NOUN
gujaf-379	47	11	,	,	PUNCT
gujaf-379	47	12	and	and	CCONJ
gujaf-379	47	13	ultimately	ultimately	ADV
gujaf-379	47	14	restricts	restrict	VERB
gujaf-379	47	15	their	their	PRON
gujaf-379	47	16	contribution	contribution	NOUN
gujaf-379	47	17	to	to	ADP
gujaf-379	47	18	broader	broad	ADJ
gujaf-379	47	19	economic	economic	ADJ
gujaf-379	47	20	development	development	NOUN
gujaf-379	47	21	.	.	PUNCT
gujaf-379	48	1	moreover	moreover	ADV
gujaf-379	48	2	,	,	PUNCT
gujaf-379	48	3	the	the	DET
gujaf-379	48	4	problem	problem	NOUN
gujaf-379	48	5	is	be	AUX
gujaf-379	48	6	compounded	compound	VERB
gujaf-379	48	7	by	by	ADP
gujaf-379	48	8	limited	limited	ADJ
gujaf-379	48	9	access	access	NOUN
gujaf-379	48	10	to	to	ADP
gujaf-379	48	11	formal	formal	ADJ
gujaf-379	48	12	financial	financial	ADJ
gujaf-379	48	13	education	education	NOUN
gujaf-379	48	14	and	and	CCONJ
gujaf-379	48	15	a	a	DET
gujaf-379	48	16	weak	weak	ADJ
gujaf-379	48	17	culture	culture	NOUN
gujaf-379	48	18	of	of	ADP
gujaf-379	48	19	financial	financial	ADJ
gujaf-379	48	20	reporting	reporting	NOUN
gujaf-379	48	21	,	,	PUNCT
gujaf-379	48	22	both	both	PRON
gujaf-379	48	23	of	of	ADP
gujaf-379	48	24	which	which	PRON
gujaf-379	48	25	are	be	AUX
gujaf-379	48	26	critical	critical	ADJ
gujaf-379	48	27	for	for	ADP
gujaf-379	48	28	informed	informed	ADJ
gujaf-379	48	29	investment	investment	NOUN
gujaf-379	48	30	planning	planning	NOUN
gujaf-379	48	31	.	.	PUNCT
gujaf-379	49	1	according	accord	VERB
gujaf-379	49	2	to	to	ADP
gujaf-379	49	3	a	a	DET
gujaf-379	49	4	nationwide	nationwide	ADJ
gujaf-379	49	5	survey	survey	NOUN
gujaf-379	49	6	conducted	conduct	VERB
gujaf-379	49	7	by	by	ADP
gujaf-379	49	8	fate	fate	NOUN
gujaf-379	49	9	foundation	foundation	NOUN
gujaf-379	49	10	and	and	CCONJ
gujaf-379	49	11	acca	acca	PROPN
gujaf-379	49	12	nigeria	nigeria	PRON
gujaf-379	49	13	,	,	PUNCT
gujaf-379	49	14	82	82	NUM
gujaf-379	49	15	percent	percent	NOUN
gujaf-379	49	16	of	of	ADP
gujaf-379	49	17	entrepreneurs	entrepreneur	NOUN
gujaf-379	49	18	had	have	VERB
gujaf-379	49	19	no	no	DET
gujaf-379	49	20	accountancy	accountancy	NOUN
gujaf-379	49	21	knowledge	knowledge	NOUN
gujaf-379	49	22	or	or	CCONJ
gujaf-379	49	23	background	background	NOUN
gujaf-379	49	24	,	,	PUNCT
gujaf-379	49	25	and	and	CCONJ
gujaf-379	49	26	73	73	NUM
gujaf-379	49	27	percent	percent	NOUN
gujaf-379	49	28	recognized	recognize	VERB
gujaf-379	49	29	they	they	PRON
gujaf-379	49	30	needed	need	VERB
gujaf-379	49	31	greater	great	ADJ
gujaf-379	49	32	financial	financial	ADJ
gujaf-379	49	33	literacy	literacy	NOUN
gujaf-379	49	34	skills	skill	NOUN
gujaf-379	49	35	,	,	PUNCT
gujaf-379	49	36	while	while	SCONJ
gujaf-379	49	37	65	65	NUM
gujaf-379	49	38	percent	percent	NOUN
gujaf-379	49	39	said	say	VERB
gujaf-379	49	40	this	this	PRON
gujaf-379	49	41	would	would	AUX
gujaf-379	49	42	help	help	VERB
gujaf-379	49	43	them	they	PRON
gujaf-379	49	44	run	run	VERB
gujaf-379	49	45	their	their	PRON
gujaf-379	49	46	businesses	business	NOUN
gujaf-379	49	47	better	well	ADV
gujaf-379	49	48	.	.	PUNCT
gujaf-379	50	1	without	without	ADP
gujaf-379	50	2	transparent	transparent	ADJ
gujaf-379	50	3	records	record	NOUN
gujaf-379	50	4	,	,	PUNCT
gujaf-379	50	5	lenders	lender	NOUN
gujaf-379	50	6	perceive	perceive	VERB
gujaf-379	50	7	these	these	DET
gujaf-379	50	8	enterprises	enterprise	NOUN
gujaf-379	50	9	as	as	ADP
gujaf-379	50	10	high	high	ADJ
gujaf-379	50	11	-	-	PUNCT
gujaf-379	50	12	risk	risk	NOUN
gujaf-379	50	13	,	,	PUNCT
gujaf-379	50	14	further	far	ADV
gujaf-379	50	15	reducing	reduce	VERB
gujaf-379	50	16	their	their	PRON
gujaf-379	50	17	chances	chance	NOUN
gujaf-379	50	18	of	of	ADP
gujaf-379	50	19	obtaining	obtain	VERB
gujaf-379	50	20	credit	credit	NOUN
gujaf-379	50	21	to	to	PART
gujaf-379	50	22	finance	finance	VERB
gujaf-379	50	23	expansion	expansion	NOUN
gujaf-379	50	24	or	or	CCONJ
gujaf-379	50	25	modernization	modernization	NOUN
gujaf-379	50	26	efforts	effort	NOUN
gujaf-379	50	27	.	.	PUNCT
gujaf-379	51	1	cultural	cultural	ADJ
gujaf-379	51	2	attitudes	attitude	NOUN
gujaf-379	51	3	toward	toward	ADP
gujaf-379	51	4	risk	risk	NOUN
gujaf-379	51	5	and	and	CCONJ
gujaf-379	51	6	a	a	DET
gujaf-379	51	7	general	general	ADJ
gujaf-379	51	8	mistrust	mistrust	NOUN
gujaf-379	51	9	of	of	ADP
gujaf-379	51	10	financial	financial	ADJ
gujaf-379	51	11	institutions	institution	NOUN
gujaf-379	51	12	also	also	ADV
gujaf-379	51	13	discourage	discourage	VERB
gujaf-379	51	14	many	many	ADJ
gujaf-379	51	15	entrepreneurs	entrepreneur	NOUN
gujaf-379	51	16	from	from	ADP
gujaf-379	51	17	exploring	explore	VERB
gujaf-379	51	18	investment	investment	NOUN
gujaf-379	51	19	avenues	avenue	NOUN
gujaf-379	51	20	outside	outside	ADP
gujaf-379	51	21	of	of	ADP
gujaf-379	51	22	traditional	traditional	ADJ
gujaf-379	51	23	,	,	PUNCT
gujaf-379	51	24	low	low	ADJ
gujaf-379	51	25	-	-	PUNCT
gujaf-379	51	26	risk	risk	NOUN
gujaf-379	51	27	options	option	NOUN
gujaf-379	51	28	.	.	PUNCT
gujaf-379	52	1	these	these	DET
gujaf-379	52	2	factors	factor	NOUN
gujaf-379	52	3	collectively	collectively	ADV
gujaf-379	52	4	create	create	VERB
gujaf-379	52	5	a	a	DET
gujaf-379	52	6	cycle	cycle	NOUN
gujaf-379	52	7	of	of	ADP
gujaf-379	52	8	stagnation	stagnation	NOUN
gujaf-379	52	9	,	,	PUNCT
gujaf-379	52	10	where	where	SCONJ
gujaf-379	52	11	fear	fear	NOUN
gujaf-379	52	12	of	of	ADP
gujaf-379	52	13	financial	financial	ADJ
gujaf-379	52	14	failure	failure	NOUN
gujaf-379	52	15	overrides	override	VERB
gujaf-379	52	16	the	the	DET
gujaf-379	52	17	potential	potential	NOUN
gujaf-379	52	18	for	for	ADP
gujaf-379	52	19	strategic	strategic	ADJ
gujaf-379	52	20	growth	growth	NOUN
gujaf-379	52	21	.	.	PUNCT
gujaf-379	53	1	breaking	break	VERB
gujaf-379	53	2	this	this	DET
gujaf-379	53	3	cycle	cycle	NOUN
gujaf-379	53	4	requires	require	VERB
gujaf-379	53	5	targeted	target	VERB
gujaf-379	53	6	interventions	intervention	NOUN
gujaf-379	53	7	,	,	PUNCT
gujaf-379	53	8	particularly	particularly	ADV
gujaf-379	53	9	in	in	ADP
gujaf-379	53	10	financial	financial	ADJ
gujaf-379	53	11	literacy	literacy	NOUN
gujaf-379	53	12	training	training	NOUN
gujaf-379	53	13	and	and	CCONJ
gujaf-379	53	14	risk	risk	NOUN
gujaf-379	53	15	management	management	NOUN
gujaf-379	53	16	support	support	NOUN
gujaf-379	53	17	,	,	PUNCT
gujaf-379	53	18	to	to	PART
gujaf-379	53	19	empower	empower	VERB
gujaf-379	53	20	smes	sme	NOUN
gujaf-379	53	21	to	to	PART
gujaf-379	53	22	make	make	VERB
gujaf-379	53	23	bolder	bold	ADJ
gujaf-379	53	24	,	,	PUNCT
gujaf-379	53	25	data	datum	NOUN
gujaf-379	53	26	-	-	PUNCT
gujaf-379	53	27	driven	drive	VERB
gujaf-379	53	28	investment	investment	NOUN
gujaf-379	53	29	decisions	decision	NOUN
gujaf-379	53	30	.	.	PUNCT
gujaf-379	54	1	financial	financial	ADJ
gujaf-379	54	2	risk	risk	NOUN
gujaf-379	54	3	tolerance	tolerance	NOUN
gujaf-379	54	4	may	may	AUX
gujaf-379	54	5	be	be	AUX
gujaf-379	54	6	the	the	DET
gujaf-379	54	7	missing	miss	VERB
gujaf-379	54	8	piece	piece	NOUN
gujaf-379	54	9	in	in	ADP
gujaf-379	54	10	unlocking	unlock	VERB
gujaf-379	54	11	the	the	DET
gujaf-379	54	12	full	full	ADJ
gujaf-379	54	13	potential	potential	NOUN
gujaf-379	54	14	of	of	ADP
gujaf-379	54	15	nigerian	nigerian	ADJ
gujaf-379	54	16	smes	sme	NOUN
gujaf-379	54	17	particularly	particularly	ADV
gujaf-379	54	18	in	in	ADP
gujaf-379	54	19	high	high	ADJ
gujaf-379	54	20	-	-	PUNCT
gujaf-379	54	21	risk	risk	NOUN
gujaf-379	54	22	environments	environment	NOUN
gujaf-379	54	23	like	like	ADP
gujaf-379	54	24	zamfara	zamfara	PROPN
gujaf-379	54	25	state	state	PROPN
gujaf-379	54	26	where	where	SCONJ
gujaf-379	54	27	fear	fear	NOUN
gujaf-379	54	28	of	of	ADP
gujaf-379	54	29	financial	financial	ADJ
gujaf-379	54	30	loss	loss	NOUN
gujaf-379	54	31	often	often	ADV
gujaf-379	54	32	paralyzes	paralyze	VERB
gujaf-379	54	33	growth	growth	NOUN
gujaf-379	54	34	.	.	PUNCT
gujaf-379	55	1	financial	financial	ADJ
gujaf-379	55	2	risk	risk	NOUN
gujaf-379	55	3	tolerance	tolerance	NOUN
gujaf-379	55	4	represents	represent	VERB
gujaf-379	55	5	an	an	DET
gujaf-379	55	6	individual	individual	NOUN
gujaf-379	55	7	's	's	PART
gujaf-379	55	8	or	or	CCONJ
gujaf-379	55	9	firm	firm	NOUN
gujaf-379	55	10	's	's	PART
gujaf-379	55	11	deliberate	deliberate	ADJ
gujaf-379	55	12	acceptance	acceptance	NOUN
gujaf-379	55	13	of	of	ADP
gujaf-379	55	14	uncertainty	uncertainty	NOUN
gujaf-379	55	15	in	in	ADP
gujaf-379	55	16	financial	financial	ADJ
gujaf-379	55	17	decision	decision	NOUN
gujaf-379	55	18	-	-	PUNCT
gujaf-379	55	19	making	making	NOUN
gujaf-379	55	20	,	,	PUNCT
gujaf-379	55	21	characterized	characterize	VERB
gujaf-379	55	22	by	by	ADP
gujaf-379	55	23	both	both	DET
gujaf-379	55	24	psychological	psychological	ADJ
gujaf-379	55	25	comfort	comfort	NOUN
gujaf-379	55	26	with	with	ADP
gujaf-379	55	27	potential	potential	ADJ
gujaf-379	55	28	losses	loss	NOUN
gujaf-379	55	29	and	and	CCONJ
gujaf-379	55	30	the	the	DET
gujaf-379	55	31	economic	economic	ADJ
gujaf-379	55	32	capacity	capacity	NOUN
gujaf-379	55	33	to	to	PART
gujaf-379	55	34	sustain	sustain	VERB
gujaf-379	55	35	them	they	PRON
gujaf-379	55	36	,	,	PUNCT
gujaf-379	55	37	while	while	SCONJ
gujaf-379	55	38	pursuing	pursue	VERB
gujaf-379	55	39	higher	high	ADJ
gujaf-379	55	40	expected	expect	VERB
gujaf-379	55	41	returns	return	NOUN
gujaf-379	55	42	(	(	PUNCT
gujaf-379	55	43	faff	faff	PROPN
gujaf-379	55	44	,	,	PUNCT
gujaf-379	55	45	muljono	muljono	NOUN
gujaf-379	55	46	,	,	PUNCT
gujaf-379	55	47	&	&	CCONJ
gujaf-379	55	48	sakurai	sakurai	PROPN
gujaf-379	55	49	,	,	PUNCT
gujaf-379	55	50	2022	2022	NUM
gujaf-379	55	51	)	)	PUNCT
gujaf-379	55	52	.	.	PUNCT
gujaf-379	56	1	while	while	SCONJ
gujaf-379	56	2	the	the	DET
gujaf-379	56	3	previous	previous	ADJ
gujaf-379	56	4	sections	section	NOUN
gujaf-379	56	5	highlighted	highlight	VERB
gujaf-379	56	6	how	how	SCONJ
gujaf-379	56	7	investment	investment	NOUN
gujaf-379	56	8	decisions	decision	NOUN
gujaf-379	56	9	drive	drive	VERB
gujaf-379	56	10	economic	economic	ADJ
gujaf-379	56	11	transformation	transformation	NOUN
gujaf-379	56	12	,	,	PUNCT
gujaf-379	56	13	the	the	DET
gujaf-379	56	14	critical	critical	ADJ
gujaf-379	56	15	enabler	enabler	NOUN
gujaf-379	56	16	is	be	AUX
gujaf-379	56	17	a	a	DET
gujaf-379	56	18	business	business	NOUN
gujaf-379	56	19	owner	owner	NOUN
gujaf-379	56	20	's	's	PART
gujaf-379	56	21	willingness	willingness	NOUN
gujaf-379	56	22	to	to	PART
gujaf-379	56	23	take	take	VERB
gujaf-379	56	24	calculated	calculated	ADJ
gujaf-379	56	25	risks	risk	NOUN
gujaf-379	56	26	.	.	PUNCT
gujaf-379	57	1	recent	recent	ADJ
gujaf-379	57	2	research	research	NOUN
gujaf-379	57	3	confirms	confirm	VERB
gujaf-379	57	4	that	that	SCONJ
gujaf-379	57	5	smes	sme	NOUN
gujaf-379	57	6	with	with	ADP
gujaf-379	57	7	higher	high	ADJ
gujaf-379	57	8	financial	financial	ADJ
gujaf-379	57	9	risk	risk	NOUN
gujaf-379	57	10	tolerance	tolerance	NOUN
gujaf-379	57	11	achieve	achieve	VERB
gujaf-379	57	12	37	37	NUM
gujaf-379	57	13	%	%	NOUN
gujaf-379	57	14	greater	great	ADJ
gujaf-379	57	15	asset	asset	NOUN
gujaf-379	57	16	growth	growth	NOUN
gujaf-379	57	17	than	than	ADP
gujaf-379	57	18	their	their	PRON
gujaf-379	57	19	risk	risk	NOUN
gujaf-379	57	20	-	-	PUNCT
gujaf-379	57	21	averse	averse	ADJ
gujaf-379	57	22	counterparts	counterpart	NOUN
gujaf-379	57	23	(	(	PUNCT
gujaf-379	57	24	okafor	okafor	PROPN
gujaf-379	57	25	&	&	CCONJ
gujaf-379	57	26	eze	eze	PROPN
gujaf-379	57	27	,	,	PUNCT
gujaf-379	57	28	2023	2023	NUM
gujaf-379	57	29	)	)	PUNCT
gujaf-379	57	30	.	.	PUNCT
gujaf-379	58	1	however	however	ADV
gujaf-379	58	2	,	,	PUNCT
gujaf-379	58	3	this	this	DET
gujaf-379	58	4	tolerance	tolerance	NOUN
gujaf-379	58	5	can	can	AUX
gujaf-379	58	6	not	not	PART
gujaf-379	58	7	exist	exist	VERB
gujaf-379	58	8	in	in	ADP
gujaf-379	58	9	a	a	DET
gujaf-379	58	10	vacuum	vacuum	NOUN
gujaf-379	58	11	it	it	PRON
gujaf-379	58	12	requires	require	VERB
gujaf-379	58	13	the	the	DET
gujaf-379	58	14	steadying	steady	VERB
gujaf-379	58	15	hand	hand	NOUN
gujaf-379	58	16	of	of	ADP
gujaf-379	58	17	financial	financial	ADJ
gujaf-379	58	18	literacy	literacy	NOUN
gujaf-379	58	19	to	to	PART
gujaf-379	58	20	transform	transform	VERB
gujaf-379	58	21	reckless	reckless	ADJ
gujaf-379	58	22	gambles	gamble	NOUN
gujaf-379	58	23	into	into	ADP
gujaf-379	58	24	strategic	strategic	ADJ
gujaf-379	58	25	bets	bet	NOUN
gujaf-379	58	26	.	.	PUNCT
gujaf-379	59	1	this	this	DET
gujaf-379	59	2	synergy	synergy	NOUN
gujaf-379	59	3	between	between	ADP
gujaf-379	59	4	courage	courage	NOUN
gujaf-379	59	5	and	and	CCONJ
gujaf-379	59	6	competence	competence	NOUN
gujaf-379	59	7	creates	create	VERB
gujaf-379	59	8	a	a	DET
gujaf-379	59	9	powerful	powerful	ADJ
gujaf-379	59	10	virtuous	virtuous	ADJ
gujaf-379	59	11	cycle	cycle	NOUN
gujaf-379	59	12	:	:	PUNCT
gujaf-379	59	13	financial	financial	ADJ
gujaf-379	59	14	literacy	literacy	NOUN
gujaf-379	59	15	builds	build	VERB
gujaf-379	59	16	the	the	DET
gujaf-379	59	17	confidence	confidence	NOUN
gujaf-379	59	18	to	to	PART
gujaf-379	59	19	tolerate	tolerate	VERB
gujaf-379	59	20	risk	risk	NOUN
gujaf-379	59	21	,	,	PUNCT
gujaf-379	59	22	while	while	SCONJ
gujaf-379	59	23	smart	smart	ADJ
gujaf-379	59	24	risk	risk	NOUN
gujaf-379	59	25	-	-	PUNCT
gujaf-379	59	26	taking	take	VERB
gujaf-379	59	27	generates	generate	VERB
gujaf-379	59	28	returns	return	NOUN
gujaf-379	59	29	that	that	PRON
gujaf-379	59	30	can	can	AUX
gujaf-379	59	31	be	be	AUX
gujaf-379	59	32	reinvested	reinveste	VERB
gujaf-379	59	33	into	into	ADP
gujaf-379	59	34	further	further	ADJ
gujaf-379	59	35	financial	financial	ADJ
gujaf-379	59	36	education	education	NOUN
gujaf-379	59	37	.	.	PUNCT
gujaf-379	60	1	as	as	SCONJ
gujaf-379	60	2	established	establish	VERB
gujaf-379	60	3	earlier	early	ADV
gujaf-379	60	4	,	,	PUNCT
gujaf-379	60	5	zamfara	zamfara	PROPN
gujaf-379	60	6	's	's	PART
gujaf-379	60	7	sme	sme	NOUN
gujaf-379	60	8	operators	operator	NOUN
gujaf-379	60	9	often	often	ADV
gujaf-379	60	10	avoid	avoid	VERB
gujaf-379	60	11	investments	investment	NOUN
gujaf-379	60	12	due	due	ADJ
gujaf-379	60	13	to	to	ADP
gujaf-379	60	14	uncertainty	uncertainty	NOUN
gujaf-379	60	15	but	but	CCONJ
gujaf-379	60	16	when	when	SCONJ
gujaf-379	60	17	armed	armed	ADJ
gujaf-379	60	18	with	with	ADP
gujaf-379	60	19	proper	proper	ADJ
gujaf-379	60	20	financial	financial	ADJ
gujaf-379	60	21	knowledge	knowledge	NOUN
gujaf-379	60	22	,	,	PUNCT
gujaf-379	60	23	they	they	PRON
gujaf-379	60	24	can	can	AUX
gujaf-379	60	25	better	well	ADV
gujaf-379	60	26	assess	assess	VERB
gujaf-379	60	27	opportunities	opportunity	NOUN
gujaf-379	60	28	in	in	ADP
gujaf-379	60	29	technology	technology	NOUN
gujaf-379	60	30	adoption	adoption	NOUN
gujaf-379	60	31	,	,	PUNCT
gujaf-379	60	32	market	market	NOUN
gujaf-379	60	33	expansion	expansion	NOUN
gujaf-379	60	34	and	and	CCONJ
gujaf-379	60	35	human	human	ADJ
gujaf-379	60	36	capital	capital	NOUN
gujaf-379	60	37	development	development	NOUN
gujaf-379	60	38	that	that	PRON
gujaf-379	60	39	were	be	AUX
gujaf-379	60	40	previously	previously	ADV
gujaf-379	60	41	deemed	deem	VERB
gujaf-379	60	42	"	"	PUNCT
gujaf-379	60	43	too	too	ADV
gujaf-379	60	44	risky	risky	ADJ
gujaf-379	60	45	.	.	PUNCT
gujaf-379	60	46	"	"	PUNCT
gujaf-379	61	1	despite	despite	SCONJ
gujaf-379	61	2	growing	grow	VERB
gujaf-379	61	3	recognition	recognition	NOUN
gujaf-379	61	4	of	of	ADP
gujaf-379	61	5	financial	financial	ADJ
gujaf-379	61	6	literacy	literacy	NOUN
gujaf-379	61	7	's	's	PART
gujaf-379	61	8	importance	importance	NOUN
gujaf-379	61	9	,	,	PUNCT
gujaf-379	61	10	critical	critical	ADJ
gujaf-379	61	11	gaps	gap	NOUN
gujaf-379	61	12	remain	remain	VERB
gujaf-379	61	13	in	in	ADP
gujaf-379	61	14	understanding	understanding	NOUN
gujaf-379	61	15	how	how	SCONJ
gujaf-379	61	16	it	it	PRON
gujaf-379	61	17	actively	actively	ADV
gujaf-379	61	18	moderates	moderate	VERB
gujaf-379	61	19	the	the	DET
gujaf-379	61	20	relationship	relationship	NOUN
gujaf-379	61	21	between	between	ADP
gujaf-379	61	22	financial	financial	ADJ
gujaf-379	61	23	risk	risk	NOUN
gujaf-379	61	24	tolerance	tolerance	NOUN
gujaf-379	61	25	and	and	CCONJ
gujaf-379	61	26	investment	investment	NOUN
gujaf-379	61	27	decisions	decision	NOUN
gujaf-379	61	28	among	among	ADP
gujaf-379	61	29	smes	sme	NOUN
gujaf-379	61	30	in	in	ADP
gujaf-379	61	31	emerging	emerge	VERB
gujaf-379	61	32	economies	economy	NOUN
gujaf-379	61	33	like	like	ADP
gujaf-379	61	34	nigeria	nigeria	PROPN
gujaf-379	61	35	.	.	PUNCT
gujaf-379	62	1	while	while	SCONJ
gujaf-379	62	2	existing	existing	ADJ
gujaf-379	62	3	studies	study	NOUN
gujaf-379	62	4	have	have	AUX
gujaf-379	62	5	examined	examine	VERB
gujaf-379	62	6	financial	financial	ADJ
gujaf-379	62	7	literacy	literacy	NOUN
gujaf-379	62	8	and	and	CCONJ
gujaf-379	62	9	risk	risk	NOUN
gujaf-379	62	10	tolerance	tolerance	NOUN
gujaf-379	62	11	as	as	ADP
gujaf-379	62	12	independent	independent	ADJ
gujaf-379	62	13	variables	variable	NOUN
gujaf-379	62	14	influencing	influence	VERB
gujaf-379	62	15	sme	sme	NOUN
gujaf-379	62	16	performance	performance	NOUN
gujaf-379	62	17	(	(	PUNCT
gujaf-379	62	18	adeoye	adeoye	PROPN
gujaf-379	62	19	&	&	CCONJ
gujaf-379	62	20	adekunle	adekunle	PROPN
gujaf-379	62	21	,	,	PUNCT
gujaf-379	62	22	2022	2022	NUM
gujaf-379	62	23	;	;	PUNCT
gujaf-379	62	24	smedan	smedan	ADJ
gujaf-379	62	25	annual	annual	ADJ
gujaf-379	62	26	report	report	NOUN
gujaf-379	62	27	,	,	PUNCT
gujaf-379	62	28	2023	2023	NUM
gujaf-379	62	29	)	)	PUNCT
gujaf-379	62	30	,	,	PUNCT
gujaf-379	62	31	the	the	DET
gujaf-379	62	32	studies	study	NOUN
gujaf-379	62	33	fail	fail	VERB
gujaf-379	62	34	to	to	PART
gujaf-379	62	35	explore	explore	VERB
gujaf-379	62	36	how	how	SCONJ
gujaf-379	62	37	financial	financial	ADJ
gujaf-379	62	38	literacy	literacy	NOUN
gujaf-379	62	39	transforms	transform	VERB
gujaf-379	62	40	risk	risk	NOUN
gujaf-379	62	41	tolerance	tolerance	NOUN
gujaf-379	62	42	into	into	ADP
gujaf-379	62	43	concrete	concrete	ADJ
gujaf-379	62	44	investment	investment	NOUN
gujaf-379	62	45	actions	action	NOUN
gujaf-379	62	46	,	,	PUNCT
gujaf-379	62	47	particularly	particularly	ADV
gujaf-379	62	48	in	in	ADP
gujaf-379	62	49	high	high	ADJ
gujaf-379	62	50	-	-	PUNCT
gujaf-379	62	51	risk	risk	NOUN
gujaf-379	62	52	environments	environment	NOUN
gujaf-379	62	53	like	like	ADP
gujaf-379	62	54	zamfara	zamfara	PROPN
gujaf-379	62	55	state	state	PROPN
gujaf-379	62	56	.	.	PUNCT
gujaf-379	63	1	the	the	DET
gujaf-379	63	2	fate	fate	PROPN
gujaf-379	63	3	foundation	foundation	PROPN
gujaf-379	63	4	's	's	PART
gujaf-379	63	5	2023	2023	NUM
gujaf-379	63	6	diagnostic	diagnostic	ADJ
gujaf-379	63	7	report	report	NOUN
gujaf-379	63	8	revealed	reveal	VERB
gujaf-379	63	9	that	that	SCONJ
gujaf-379	63	10	89	89	NUM
gujaf-379	63	11	%	%	NOUN
gujaf-379	63	12	of	of	ADP
gujaf-379	63	13	financial	financial	ADJ
gujaf-379	63	14	literacy	literacy	NOUN
gujaf-379	63	15	programs	program	NOUN
gujaf-379	63	16	in	in	ADP
gujaf-379	63	17	northern	northern	ADJ
gujaf-379	63	18	nigeria	nigeria	PROPN
gujaf-379	63	19	focus	focus	VERB
gujaf-379	63	20	narrowly	narrowly	ADV
gujaf-379	63	21	on	on	ADP
gujaf-379	63	22	basic	basic	ADJ
gujaf-379	63	23	bookkeeping	bookkeeping	NOUN
gujaf-379	63	24	,	,	PUNCT
gujaf-379	63	25	neglecting	neglect	VERB
gujaf-379	63	26	the	the	DET
gujaf-379	63	27	risk	risk	NOUN
gujaf-379	63	28	assessment	assessment	NOUN
gujaf-379	63	29	frameworks	framework	NOUN
gujaf-379	63	30	needed	need	VERB
gujaf-379	63	31	to	to	PART
gujaf-379	63	32	bridge	bridge	VERB
gujaf-379	63	33	the	the	DET
gujaf-379	63	34	gap	gap	NOUN
gujaf-379	63	35	between	between	ADP
gujaf-379	63	36	risk	risk	NOUN
gujaf-379	63	37	capacity	capacity	NOUN
gujaf-379	63	38	and	and	CCONJ
gujaf-379	63	39	actual	actual	ADJ
gujaf-379	63	40	investment	investment	NOUN
gujaf-379	63	41	behavior	behavior	NOUN
gujaf-379	63	42	.	.	PUNCT
gujaf-379	64	1	this	this	DET
gujaf-379	64	2	oversight	oversight	NOUN
gujaf-379	64	3	helps	help	VERB
gujaf-379	64	4	explain	explain	VERB
gujaf-379	64	5	why	why	SCONJ
gujaf-379	64	6	78	78	NUM
gujaf-379	64	7	%	%	NOUN
gujaf-379	64	8	of	of	ADP
gujaf-379	64	9	sme	sme	NOUN
gujaf-379	64	10	loans	loan	NOUN
gujaf-379	64	11	in	in	ADP
gujaf-379	64	12	zamfara	zamfara	PROPN
gujaf-379	64	13	are	be	AUX
gujaf-379	64	14	allocated	allocate	VERB
gujaf-379	64	15	to	to	ADP
gujaf-379	64	16	working	work	VERB
gujaf-379	64	17	capital	capital	NOUN
gujaf-379	64	18	rather	rather	ADV
gujaf-379	64	19	than	than	ADP
gujaf-379	64	20	growth	growth	NOUN
gujaf-379	64	21	investments	investment	NOUN
gujaf-379	64	22	(	(	PUNCT
gujaf-379	64	23	cbn	cbn	PROPN
gujaf-379	64	24	,	,	PUNCT
gujaf-379	64	25	gusau	gusau	ADJ
gujaf-379	64	26	journal	journal	NOUN
gujaf-379	64	27	of	of	ADP
gujaf-379	64	28	accounting	accounting	NOUN
gujaf-379	64	29	and	and	CCONJ
gujaf-379	64	30	finance	finance	NOUN
gujaf-379	64	31	,	,	PUNCT
gujaf-379	64	32	vol.6	vol.6	PROPN
gujaf-379	64	33	,	,	PUNCT
gujaf-379	64	34	issue	issue	NOUN
gujaf-379	64	35	1	1	NUM
gujaf-379	64	36	,	,	PUNCT
gujaf-379	64	37	april	april	PROPN
gujaf-379	64	38	,	,	PUNCT
gujaf-379	64	39	2025	2025	NUM
gujaf-379	64	40	206	206	NUM
gujaf-379	64	41	2023	2023	NUM
gujaf-379	64	42	)	)	PUNCT
gujaf-379	64	43	,	,	PUNCT
gujaf-379	64	44	suggesting	suggest	VERB
gujaf-379	64	45	that	that	SCONJ
gujaf-379	64	46	risk	risk	NOUN
gujaf-379	64	47	aversion	aversion	NOUN
gujaf-379	64	48	persists	persist	VERB
gujaf-379	64	49	even	even	ADV
gujaf-379	64	50	when	when	SCONJ
gujaf-379	64	51	financial	financial	ADJ
gujaf-379	64	52	capacity	capacity	NOUN
gujaf-379	64	53	exists	exist	VERB
gujaf-379	64	54	a	a	DET
gujaf-379	64	55	paradox	paradox	NOUN
gujaf-379	64	56	that	that	PRON
gujaf-379	64	57	underscores	underscore	VERB
gujaf-379	64	58	the	the	DET
gujaf-379	64	59	important	important	ADJ
gujaf-379	64	60	but	but	CCONJ
gujaf-379	64	61	understudied	understudied	ADJ
gujaf-379	64	62	moderating	moderate	VERB
gujaf-379	64	63	role	role	NOUN
gujaf-379	64	64	of	of	ADP
gujaf-379	64	65	financial	financial	ADJ
gujaf-379	64	66	literacy	literacy	NOUN
gujaf-379	64	67	.	.	PUNCT
gujaf-379	65	1	the	the	DET
gujaf-379	65	2	current	current	ADJ
gujaf-379	65	3	literature	literature	NOUN
gujaf-379	65	4	exhibits	exhibit	VERB
gujaf-379	65	5	critical	critical	ADJ
gujaf-379	65	6	limitations	limitation	NOUN
gujaf-379	65	7	this	this	DET
gujaf-379	65	8	study	study	NOUN
gujaf-379	65	9	addresses	address	NOUN
gujaf-379	65	10	.	.	PUNCT
gujaf-379	66	1	while	while	SCONJ
gujaf-379	66	2	okafor	okafor	PROPN
gujaf-379	66	3	and	and	CCONJ
gujaf-379	66	4	eze	eze	X
gujaf-379	66	5	(	(	PUNCT
gujaf-379	66	6	2023	2023	NUM
gujaf-379	66	7	)	)	PUNCT
gujaf-379	66	8	established	establish	VERB
gujaf-379	66	9	financial	financial	ADJ
gujaf-379	66	10	literacy	literacy	NOUN
gujaf-379	66	11	's	's	PART
gujaf-379	66	12	positive	positive	ADJ
gujaf-379	66	13	correlation	correlation	NOUN
gujaf-379	66	14	with	with	ADP
gujaf-379	66	15	sme	sme	ADJ
gujaf-379	66	16	growth	growth	NOUN
gujaf-379	66	17	in	in	ADP
gujaf-379	66	18	southern	southern	PROPN
gujaf-379	66	19	nigeria	nigeria	PROPN
gujaf-379	66	20	,	,	PUNCT
gujaf-379	66	21	they	they	PRON
gujaf-379	66	22	did	do	AUX
gujaf-379	66	23	not	not	PART
gujaf-379	66	24	examine	examine	VERB
gujaf-379	66	25	how	how	SCONJ
gujaf-379	66	26	it	it	PRON
gujaf-379	66	27	interacts	interact	VERB
gujaf-379	66	28	with	with	ADP
gujaf-379	66	29	risk	risk	NOUN
gujaf-379	66	30	tolerance	tolerance	NOUN
gujaf-379	66	31	in	in	ADP
gujaf-379	66	32	high	high	ADJ
gujaf-379	66	33	-	-	PUNCT
gujaf-379	66	34	risk	risk	NOUN
gujaf-379	66	35	,	,	PUNCT
gujaf-379	66	36	insecure	insecure	ADJ
gujaf-379	66	37	regions	region	NOUN
gujaf-379	66	38	like	like	ADP
gujaf-379	66	39	zamfara	zamfara	PROPN
gujaf-379	66	40	.	.	PUNCT
gujaf-379	67	1	the	the	DET
gujaf-379	67	2	oecd	oecd	PROPN
gujaf-379	67	3	's	's	PART
gujaf-379	67	4	2022	2022	NUM
gujaf-379	67	5	review	review	NOUN
gujaf-379	67	6	found	find	VERB
gujaf-379	67	7	that	that	SCONJ
gujaf-379	67	8	existing	exist	VERB
gujaf-379	67	9	risk	risk	NOUN
gujaf-379	67	10	tolerance	tolerance	NOUN
gujaf-379	67	11	models	model	NOUN
gujaf-379	67	12	for	for	ADP
gujaf-379	67	13	african	african	ADJ
gujaf-379	67	14	smes	sme	NOUN
gujaf-379	67	15	rely	rely	VERB
gujaf-379	67	16	on	on	ADP
gujaf-379	67	17	generic	generic	ADJ
gujaf-379	67	18	western	western	ADJ
gujaf-379	67	19	psychological	psychological	ADJ
gujaf-379	67	20	scales	scale	NOUN
gujaf-379	67	21	that	that	PRON
gujaf-379	67	22	fail	fail	VERB
gujaf-379	67	23	to	to	PART
gujaf-379	67	24	incorporate	incorporate	VERB
gujaf-379	67	25	contextual	contextual	ADJ
gujaf-379	67	26	financial	financial	ADJ
gujaf-379	67	27	literacy	literacy	NOUN
gujaf-379	67	28	measures	measure	NOUN
gujaf-379	67	29	,	,	PUNCT
gujaf-379	67	30	such	such	ADJ
gujaf-379	67	31	as	as	ADP
gujaf-379	67	32	those	those	PRON
gujaf-379	67	33	accounting	account	VERB
gujaf-379	67	34	for	for	ADP
gujaf-379	67	35	islamic	islamic	ADJ
gujaf-379	67	36	finance	finance	NOUN
gujaf-379	67	37	principles	principle	NOUN
gujaf-379	67	38	prevalent	prevalent	ADJ
gujaf-379	67	39	in	in	ADP
gujaf-379	67	40	northern	northern	PROPN
gujaf-379	67	41	nigeria	nigeria	PROPN
gujaf-379	67	42	.	.	PUNCT
gujaf-379	68	1	abdullahi	abdullahi	PROPN
gujaf-379	68	2	and	and	CCONJ
gujaf-379	68	3	bello	bello	PROPN
gujaf-379	68	4	's	's	PART
gujaf-379	68	5	(	(	PUNCT
gujaf-379	68	6	2023	2023	NUM
gujaf-379	68	7	)	)	PUNCT
gujaf-379	68	8	meta	meta	NOUN
gujaf-379	68	9	-	-	PUNCT
gujaf-379	68	10	analysis	analysis	NOUN
gujaf-379	68	11	of	of	ADP
gujaf-379	68	12	42	42	NUM
gujaf-379	68	13	nigerian	nigerian	ADJ
gujaf-379	68	14	sme	sme	PROPN
gujaf-379	68	15	studies	studies	PROPN
gujaf-379	68	16	revealed	reveal	VERB
gujaf-379	68	17	that	that	SCONJ
gujaf-379	68	18	only	only	ADV
gujaf-379	68	19	12	12	NUM
gujaf-379	68	20	%	%	NOUN
gujaf-379	68	21	examined	examine	VERB
gujaf-379	68	22	moderating	moderate	VERB
gujaf-379	68	23	variables	variable	NOUN
gujaf-379	68	24	,	,	PUNCT
gujaf-379	68	25	with	with	ADP
gujaf-379	68	26	none	none	NOUN
gujaf-379	68	27	specifically	specifically	ADV
gujaf-379	68	28	investigating	investigate	VERB
gujaf-379	68	29	how	how	SCONJ
gujaf-379	68	30	financial	financial	ADJ
gujaf-379	68	31	literacy	literacy	NOUN
gujaf-379	68	32	enables	enable	VERB
gujaf-379	68	33	risk	risk	NOUN
gujaf-379	68	34	-	-	PUNCT
gujaf-379	68	35	tolerant	tolerant	ADJ
gujaf-379	68	36	smes	sme	NOUN
gujaf-379	68	37	to	to	PART
gujaf-379	68	38	translate	translate	VERB
gujaf-379	68	39	their	their	PRON
gujaf-379	68	40	capacity	capacity	NOUN
gujaf-379	68	41	into	into	ADP
gujaf-379	68	42	strategic	strategic	ADJ
gujaf-379	68	43	investments	investment	NOUN
gujaf-379	68	44	.	.	PUNCT
gujaf-379	69	1	by	by	ADP
gujaf-379	69	2	demonstrating	demonstrate	VERB
gujaf-379	69	3	how	how	SCONJ
gujaf-379	69	4	financial	financial	ADJ
gujaf-379	69	5	literacy	literacy	NOUN
gujaf-379	69	6	strengthens	strengthen	VERB
gujaf-379	69	7	the	the	DET
gujaf-379	69	8	positive	positive	ADJ
gujaf-379	69	9	relationship	relationship	NOUN
gujaf-379	69	10	between	between	ADP
gujaf-379	69	11	risk	risk	NOUN
gujaf-379	69	12	tolerance	tolerance	NOUN
gujaf-379	69	13	and	and	CCONJ
gujaf-379	69	14	investment	investment	NOUN
gujaf-379	69	15	decisions	decision	NOUN
gujaf-379	69	16	,	,	PUNCT
gujaf-379	69	17	particularly	particularly	ADV
gujaf-379	69	18	in	in	ADP
gujaf-379	69	19	volatile	volatile	ADJ
gujaf-379	69	20	environments	environment	NOUN
gujaf-379	69	21	,	,	PUNCT
gujaf-379	69	22	this	this	DET
gujaf-379	69	23	study	study	NOUN
gujaf-379	69	24	provides	provide	VERB
gujaf-379	69	25	both	both	PRON
gujaf-379	69	26	a	a	DET
gujaf-379	69	27	novel	novel	ADJ
gujaf-379	69	28	behavioral	behavioral	ADJ
gujaf-379	69	29	framework	framework	NOUN
gujaf-379	69	30	and	and	CCONJ
gujaf-379	69	31	practical	practical	ADJ
gujaf-379	69	32	information	information	NOUN
gujaf-379	69	33	for	for	SCONJ
gujaf-379	69	34	policymakers	policymaker	NOUN
gujaf-379	69	35	to	to	PART
gujaf-379	69	36	design	design	VERB
gujaf-379	69	37	targeted	target	VERB
gujaf-379	69	38	interventions	intervention	NOUN
gujaf-379	69	39	that	that	SCONJ
gujaf-379	69	40	unlock	unlock	NOUN
gujaf-379	69	41	zamfara	zamfara	PROPN
gujaf-379	69	42	's	's	PART
gujaf-379	69	43	sme	sme	NOUN
gujaf-379	69	44	potential	potential	NOUN
gujaf-379	69	45	as	as	ADP
gujaf-379	69	46	promoters	promoter	NOUN
gujaf-379	69	47	of	of	ADP
gujaf-379	69	48	economic	economic	ADJ
gujaf-379	69	49	transformation	transformation	NOUN
gujaf-379	69	50	.	.	PUNCT
gujaf-379	70	1	it	it	PRON
gujaf-379	70	2	is	be	AUX
gujaf-379	70	3	against	against	ADP
gujaf-379	70	4	this	this	DET
gujaf-379	70	5	backdrop	backdrop	NOUN
gujaf-379	70	6	that	that	SCONJ
gujaf-379	70	7	the	the	DET
gujaf-379	70	8	study	study	NOUN
gujaf-379	70	9	hypothesizes	hypothesize	VERB
gujaf-379	70	10	that	that	PRON
gujaf-379	70	11	;	;	PUNCT
gujaf-379	70	12	h01	h01	NOUN
gujaf-379	70	13	:	:	PUNCT
gujaf-379	70	14	financial	financial	ADJ
gujaf-379	70	15	risk	risk	NOUN
gujaf-379	70	16	tolerance	tolerance	NOUN
gujaf-379	70	17	has	have	VERB
gujaf-379	70	18	no	no	DET
gujaf-379	70	19	significant	significant	ADJ
gujaf-379	70	20	effect	effect	NOUN
gujaf-379	70	21	on	on	ADP
gujaf-379	70	22	investment	investment	NOUN
gujaf-379	70	23	decisions	decision	NOUN
gujaf-379	70	24	amongst	amongst	ADP
gujaf-379	70	25	smes	sme	NOUN
gujaf-379	70	26	in	in	ADP
gujaf-379	70	27	zamfara	zamfara	PROPN
gujaf-379	70	28	state	state	PROPN
gujaf-379	70	29	h02	h02	PROPN
gujaf-379	70	30	:	:	PUNCT
gujaf-379	70	31	financial	financial	ADJ
gujaf-379	70	32	literacy	literacy	NOUN
gujaf-379	70	33	has	have	VERB
gujaf-379	70	34	no	no	DET
gujaf-379	70	35	significant	significant	ADJ
gujaf-379	70	36	effect	effect	NOUN
gujaf-379	70	37	on	on	ADP
gujaf-379	70	38	investment	investment	NOUN
gujaf-379	70	39	decisions	decision	NOUN
gujaf-379	70	40	amongst	amongst	ADP
gujaf-379	70	41	smes	sme	NOUN
gujaf-379	70	42	in	in	ADP
gujaf-379	70	43	zamfara	zamfara	PROPN
gujaf-379	70	44	state	state	PROPN
gujaf-379	70	45	h03	h03	PROPN
gujaf-379	70	46	:	:	PUNCT
gujaf-379	70	47	financial	financial	ADJ
gujaf-379	70	48	literacy	literacy	NOUN
gujaf-379	70	49	has	have	VERB
gujaf-379	70	50	no	no	DET
gujaf-379	70	51	significant	significant	ADJ
gujaf-379	70	52	moderating	moderate	VERB
gujaf-379	70	53	effect	effect	NOUN
gujaf-379	70	54	on	on	ADP
gujaf-379	70	55	the	the	DET
gujaf-379	70	56	relationship	relationship	NOUN
gujaf-379	70	57	between	between	ADP
gujaf-379	70	58	financial	financial	ADJ
gujaf-379	70	59	risk	risk	NOUN
gujaf-379	70	60	tolerance	tolerance	NOUN
gujaf-379	70	61	and	and	CCONJ
gujaf-379	70	62	investment	investment	NOUN
gujaf-379	70	63	decisions	decision	NOUN
gujaf-379	70	64	amongst	amongst	ADP
gujaf-379	70	65	smes	sme	NOUN
gujaf-379	70	66	in	in	ADP
gujaf-379	70	67	zamfara	zamfara	PROPN
gujaf-379	70	68	state	state	PROPN
gujaf-379	71	1	2.0	2.0	NUM
gujaf-379	71	2	literature	literature	NOUN
gujaf-379	71	3	review	review	NOUN
gujaf-379	71	4	investment	investment	NOUN
gujaf-379	71	5	decisions	decision	NOUN
gujaf-379	71	6	refer	refer	VERB
gujaf-379	71	7	to	to	ADP
gujaf-379	71	8	the	the	DET
gujaf-379	71	9	strategic	strategic	ADJ
gujaf-379	71	10	allocation	allocation	NOUN
gujaf-379	71	11	of	of	ADP
gujaf-379	71	12	financial	financial	ADJ
gujaf-379	71	13	resources	resource	NOUN
gujaf-379	71	14	to	to	ADP
gujaf-379	71	15	assets	asset	NOUN
gujaf-379	71	16	or	or	CCONJ
gujaf-379	71	17	ventures	venture	NOUN
gujaf-379	71	18	expected	expect	VERB
gujaf-379	71	19	to	to	PART
gujaf-379	71	20	yield	yield	VERB
gujaf-379	71	21	profitable	profitable	ADJ
gujaf-379	71	22	returns	return	NOUN
gujaf-379	71	23	.	.	PUNCT
gujaf-379	72	1	in	in	ADP
gujaf-379	72	2	the	the	DET
gujaf-379	72	3	context	context	NOUN
gujaf-379	72	4	of	of	ADP
gujaf-379	72	5	smes	sme	NOUN
gujaf-379	72	6	,	,	PUNCT
gujaf-379	72	7	these	these	DET
gujaf-379	72	8	decisions	decision	NOUN
gujaf-379	72	9	often	often	ADV
gujaf-379	72	10	involve	involve	VERB
gujaf-379	72	11	choices	choice	NOUN
gujaf-379	72	12	between	between	ADP
gujaf-379	72	13	expansion	expansion	NOUN
gujaf-379	72	14	,	,	PUNCT
gujaf-379	72	15	technology	technology	NOUN
gujaf-379	72	16	adoption	adoption	NOUN
gujaf-379	72	17	,	,	PUNCT
gujaf-379	72	18	or	or	CCONJ
gujaf-379	72	19	working	work	VERB
gujaf-379	72	20	capital	capital	NOUN
gujaf-379	72	21	management	management	NOUN
gujaf-379	72	22	.	.	PUNCT
gujaf-379	73	1	according	accord	VERB
gujaf-379	73	2	to	to	ADP
gujaf-379	73	3	okafor	okafor	PROPN
gujaf-379	73	4	and	and	CCONJ
gujaf-379	73	5	eze	eze	X
gujaf-379	73	6	(	(	PUNCT
gujaf-379	73	7	2023	2023	NUM
gujaf-379	73	8	)	)	PUNCT
gujaf-379	73	9	,	,	PUNCT
gujaf-379	73	10	smes	sme	NOUN
gujaf-379	73	11	in	in	ADP
gujaf-379	73	12	nigeria	nigeria	PROPN
gujaf-379	73	13	frequently	frequently	ADV
gujaf-379	73	14	struggle	struggle	VERB
gujaf-379	73	15	with	with	ADP
gujaf-379	73	16	investment	investment	NOUN
gujaf-379	73	17	decisions	decision	NOUN
gujaf-379	73	18	due	due	ADJ
gujaf-379	73	19	to	to	ADP
gujaf-379	73	20	limited	limited	ADJ
gujaf-379	73	21	market	market	NOUN
gujaf-379	73	22	information	information	NOUN
gujaf-379	73	23	and	and	CCONJ
gujaf-379	73	24	high	high	ADJ
gujaf-379	73	25	uncertainty	uncertainty	NOUN
gujaf-379	73	26	.	.	PUNCT
gujaf-379	74	1	adeoye	adeoye	PROPN
gujaf-379	74	2	and	and	CCONJ
gujaf-379	74	3	lawal	lawal	PROPN
gujaf-379	74	4	(	(	PUNCT
gujaf-379	74	5	2022	2022	NUM
gujaf-379	74	6	)	)	PUNCT
gujaf-379	74	7	highlight	highlight	VERB
gujaf-379	74	8	that	that	SCONJ
gujaf-379	74	9	behavioral	behavioral	ADJ
gujaf-379	74	10	biases	bias	NOUN
gujaf-379	74	11	,	,	PUNCT
gujaf-379	74	12	such	such	ADJ
gujaf-379	74	13	as	as	ADP
gujaf-379	74	14	overconfidence	overconfidence	NOUN
gujaf-379	74	15	and	and	CCONJ
gujaf-379	74	16	loss	loss	NOUN
gujaf-379	74	17	aversion	aversion	NOUN
gujaf-379	74	18	,	,	PUNCT
gujaf-379	74	19	significantly	significantly	ADV
gujaf-379	74	20	influence	influence	VERB
gujaf-379	74	21	sme	sme	NOUN
gujaf-379	74	22	owners	owner	NOUN
gujaf-379	74	23	’	'	PUNCT
gujaf-379	74	24	investment	investment	NOUN
gujaf-379	74	25	choices	choice	NOUN
gujaf-379	74	26	.	.	PUNCT
gujaf-379	75	1	furthermore	furthermore	ADV
gujaf-379	75	2	,	,	PUNCT
gujaf-379	75	3	musa	musa	PROPN
gujaf-379	75	4	,	,	PUNCT
gujaf-379	75	5	olayemi	olayemi	NOUN
gujaf-379	75	6	and	and	CCONJ
gujaf-379	75	7	abdullahi	abdullahi	PROPN
gujaf-379	75	8	(	(	PUNCT
gujaf-379	75	9	2023	2023	NUM
gujaf-379	75	10	)	)	PUNCT
gujaf-379	75	11	found	find	VERB
gujaf-379	75	12	that	that	SCONJ
gujaf-379	75	13	access	access	NOUN
gujaf-379	75	14	to	to	ADP
gujaf-379	75	15	financial	financial	ADJ
gujaf-379	75	16	data	datum	NOUN
gujaf-379	75	17	and	and	CCONJ
gujaf-379	75	18	advisory	advisory	ADJ
gujaf-379	75	19	services	service	NOUN
gujaf-379	75	20	improves	improve	VERB
gujaf-379	75	21	the	the	DET
gujaf-379	75	22	quality	quality	NOUN
gujaf-379	75	23	of	of	ADP
gujaf-379	75	24	investment	investment	NOUN
gujaf-379	75	25	decisions	decision	NOUN
gujaf-379	75	26	among	among	ADP
gujaf-379	75	27	small	small	ADJ
gujaf-379	75	28	businesses	business	NOUN
gujaf-379	75	29	.	.	PUNCT
gujaf-379	76	1	in	in	ADP
gujaf-379	76	2	developing	develop	VERB
gujaf-379	76	3	economies	economy	NOUN
gujaf-379	76	4	like	like	ADP
gujaf-379	76	5	nigeria	nigeria	PRON
gujaf-379	76	6	,	,	PUNCT
gujaf-379	76	7	investment	investment	NOUN
gujaf-379	76	8	decisions	decision	NOUN
gujaf-379	76	9	are	be	AUX
gujaf-379	76	10	further	far	ADV
gujaf-379	76	11	complicated	complicate	VERB
gujaf-379	76	12	by	by	ADP
gujaf-379	76	13	macroeconomic	macroeconomic	ADJ
gujaf-379	76	14	instability	instability	NOUN
gujaf-379	76	15	,	,	PUNCT
gujaf-379	76	16	as	as	SCONJ
gujaf-379	76	17	noted	note	VERB
gujaf-379	76	18	by	by	ADP
gujaf-379	76	19	ibrahim	ibrahim	PROPN
gujaf-379	76	20	and	and	CCONJ
gujaf-379	76	21	bello	bello	PROPN
gujaf-379	76	22	(	(	PUNCT
gujaf-379	76	23	2024	2024	NUM
gujaf-379	76	24	)	)	PUNCT
gujaf-379	76	25	.	.	PUNCT
gujaf-379	77	1	this	this	DET
gujaf-379	77	2	study	study	NOUN
gujaf-379	77	3	defines	define	VERB
gujaf-379	77	4	investment	investment	NOUN
gujaf-379	77	5	decisions	decision	NOUN
gujaf-379	77	6	as	as	ADP
gujaf-379	77	7	the	the	DET
gujaf-379	77	8	process	process	NOUN
gujaf-379	77	9	of	of	ADP
gujaf-379	77	10	evaluating	evaluating	NOUN
gujaf-379	77	11	,	,	PUNCT
gujaf-379	77	12	selecting	selecting	NOUN
gujaf-379	77	13	,	,	PUNCT
gujaf-379	77	14	and	and	CCONJ
gujaf-379	77	15	funding	fund	VERB
gujaf-379	77	16	business	business	NOUN
gujaf-379	77	17	opportunities	opportunity	NOUN
gujaf-379	77	18	to	to	PART
gujaf-379	77	19	enhance	enhance	VERB
gujaf-379	77	20	long	long	ADJ
gujaf-379	77	21	-	-	PUNCT
gujaf-379	77	22	term	term	NOUN
gujaf-379	77	23	growth	growth	NOUN
gujaf-379	77	24	and	and	CCONJ
gujaf-379	77	25	sustainability	sustainability	NOUN
gujaf-379	77	26	.	.	PUNCT
gujaf-379	78	1	financial	financial	ADJ
gujaf-379	78	2	risk	risk	NOUN
gujaf-379	78	3	tolerance	tolerance	NOUN
gujaf-379	78	4	is	be	AUX
gujaf-379	78	5	the	the	DET
gujaf-379	78	6	degree	degree	NOUN
gujaf-379	78	7	to	to	PART
gujaf-379	78	8	which	which	PRON
gujaf-379	78	9	an	an	DET
gujaf-379	78	10	individual	individual	NOUN
gujaf-379	78	11	or	or	CCONJ
gujaf-379	78	12	business	business	NOUN
gujaf-379	78	13	is	be	AUX
gujaf-379	78	14	willing	willing	ADJ
gujaf-379	78	15	to	to	PART
gujaf-379	78	16	endure	endure	VERB
gujaf-379	78	17	potential	potential	ADJ
gujaf-379	78	18	financial	financial	ADJ
gujaf-379	78	19	losses	loss	NOUN
gujaf-379	78	20	in	in	ADP
gujaf-379	78	21	pursuit	pursuit	NOUN
gujaf-379	78	22	of	of	ADP
gujaf-379	78	23	higher	high	ADJ
gujaf-379	78	24	returns	return	NOUN
gujaf-379	78	25	.	.	PUNCT
gujaf-379	79	1	for	for	ADP
gujaf-379	79	2	smes	sme	NOUN
gujaf-379	79	3	,	,	PUNCT
gujaf-379	79	4	risk	risk	NOUN
gujaf-379	79	5	tolerance	tolerance	NOUN
gujaf-379	79	6	influences	influence	VERB
gujaf-379	79	7	funding	funding	NOUN
gujaf-379	79	8	choices	choice	NOUN
gujaf-379	79	9	,	,	PUNCT
gujaf-379	79	10	expansion	expansion	NOUN
gujaf-379	79	11	strategies	strategy	NOUN
gujaf-379	79	12	,	,	PUNCT
gujaf-379	79	13	and	and	CCONJ
gujaf-379	79	14	adoption	adoption	NOUN
gujaf-379	79	15	of	of	ADP
gujaf-379	79	16	innovative	innovative	ADJ
gujaf-379	79	17	financial	financial	ADJ
gujaf-379	79	18	tools	tool	NOUN
gujaf-379	79	19	.	.	PUNCT
gujaf-379	80	1	yakubu	yakubu	PROPN
gujaf-379	80	2	and	and	CCONJ
gujaf-379	80	3	sani	sani	PROPN
gujaf-379	80	4	(	(	PUNCT
gujaf-379	80	5	2023	2023	NUM
gujaf-379	80	6	)	)	PUNCT
gujaf-379	80	7	argue	argue	VERB
gujaf-379	80	8	that	that	SCONJ
gujaf-379	80	9	risk	risk	NOUN
gujaf-379	80	10	-	-	PUNCT
gujaf-379	80	11	averse	averse	ADJ
gujaf-379	80	12	entrepreneurs	entrepreneur	NOUN
gujaf-379	80	13	in	in	ADP
gujaf-379	80	14	northern	northern	PROPN
gujaf-379	80	15	nigeria	nigeria	PROPN
gujaf-379	80	16	often	often	ADV
gujaf-379	80	17	avoid	avoid	VERB
gujaf-379	80	18	high	high	ADJ
gujaf-379	80	19	-	-	PUNCT
gujaf-379	80	20	growth	growth	NOUN
gujaf-379	80	21	opportunities	opportunity	NOUN
gujaf-379	80	22	due	due	ADP
gujaf-379	80	23	to	to	ADP
gujaf-379	80	24	fear	fear	NOUN
gujaf-379	80	25	of	of	ADP
gujaf-379	80	26	failure	failure	NOUN
gujaf-379	80	27	.	.	PUNCT
gujaf-379	81	1	conversely	conversely	ADV
gujaf-379	81	2	,	,	PUNCT
gujaf-379	81	3	ojo	ojo	NOUN
gujaf-379	81	4	and	and	CCONJ
gujaf-379	81	5	adekunle	adekunle	NOUN
gujaf-379	81	6	(	(	PUNCT
gujaf-379	81	7	2024	2024	NUM
gujaf-379	81	8	)	)	PUNCT
gujaf-379	81	9	found	find	VERB
gujaf-379	81	10	that	that	SCONJ
gujaf-379	81	11	smes	sme	NOUN
gujaf-379	81	12	with	with	ADP
gujaf-379	81	13	higher	high	ADJ
gujaf-379	81	14	financial	financial	ADJ
gujaf-379	81	15	literacy	literacy	NOUN
gujaf-379	81	16	exhibit	exhibit	VERB
gujaf-379	81	17	greater	great	ADJ
gujaf-379	81	18	risk	risk	NOUN
gujaf-379	81	19	tolerance	tolerance	NOUN
gujaf-379	81	20	,	,	PUNCT
gujaf-379	81	21	enabling	enable	VERB
gujaf-379	81	22	them	they	PRON
gujaf-379	81	23	to	to	PART
gujaf-379	81	24	leverage	leverage	NOUN
gujaf-379	81	25	fintech	fintech	NOUN
gujaf-379	81	26	solutions	solution	NOUN
gujaf-379	81	27	for	for	ADP
gujaf-379	81	28	growth	growth	NOUN
gujaf-379	81	29	.	.	PUNCT
gujaf-379	82	1	abdullahi	abdullahi	PROPN
gujaf-379	82	2	,	,	PUNCT
gujaf-379	82	3	gwadabe	gwadabe	NOUN
gujaf-379	82	4	and	and	CCONJ
gujaf-379	82	5	bello	bello	PROPN
gujaf-379	82	6	(	(	PUNCT
gujaf-379	82	7	2023	2023	NUM
gujaf-379	82	8	)	)	PUNCT
gujaf-379	82	9	further	far	ADV
gujaf-379	82	10	note	note	VERB
gujaf-379	82	11	that	that	SCONJ
gujaf-379	82	12	cultural	cultural	ADJ
gujaf-379	82	13	and	and	CCONJ
gujaf-379	82	14	socio	socio	NOUN
gujaf-379	82	15	-	-	PUNCT
gujaf-379	82	16	economic	economic	ADJ
gujaf-379	82	17	factors	factor	NOUN
gujaf-379	82	18	shape	shape	VERB
gujaf-379	82	19	risk	risk	NOUN
gujaf-379	82	20	perceptions	perception	NOUN
gujaf-379	82	21	among	among	ADP
gujaf-379	82	22	sme	sme	NOUN
gujaf-379	82	23	owners	owner	NOUN
gujaf-379	82	24	in	in	ADP
gujaf-379	82	25	zamfara	zamfara	PROPN
gujaf-379	82	26	state	state	PROPN
gujaf-379	82	27	.	.	PUNCT
gujaf-379	83	1	this	this	DET
gujaf-379	83	2	study	study	NOUN
gujaf-379	83	3	conceptualizes	conceptualize	VERB
gujaf-379	83	4	gusau	gusau	ADJ
gujaf-379	83	5	journal	journal	NOUN
gujaf-379	83	6	of	of	ADP
gujaf-379	83	7	accounting	accounting	NOUN
gujaf-379	83	8	and	and	CCONJ
gujaf-379	83	9	finance	finance	NOUN
gujaf-379	83	10	,	,	PUNCT
gujaf-379	83	11	vol.6	vol.6	PROPN
gujaf-379	83	12	,	,	PUNCT
gujaf-379	83	13	issue	issue	NOUN
gujaf-379	83	14	1	1	NUM
gujaf-379	83	15	,	,	PUNCT
gujaf-379	83	16	april	april	PROPN
gujaf-379	83	17	,	,	PUNCT
gujaf-379	83	18	2025	2025	NUM
gujaf-379	83	19	207	207	NUM
gujaf-379	83	20	financial	financial	ADJ
gujaf-379	83	21	risk	risk	NOUN
gujaf-379	83	22	tolerance	tolerance	NOUN
gujaf-379	83	23	as	as	ADP
gujaf-379	83	24	an	an	DET
gujaf-379	83	25	sme	sme	NOUN
gujaf-379	83	26	owner	owner	NOUN
gujaf-379	83	27	’s	’s	PART
gujaf-379	83	28	capacity	capacity	NOUN
gujaf-379	83	29	to	to	PART
gujaf-379	83	30	engage	engage	VERB
gujaf-379	83	31	in	in	ADP
gujaf-379	83	32	calculated	calculated	ADJ
gujaf-379	83	33	financial	financial	ADJ
gujaf-379	83	34	risks	risk	NOUN
gujaf-379	83	35	,	,	PUNCT
gujaf-379	83	36	balancing	balance	VERB
gujaf-379	83	37	potential	potential	ADJ
gujaf-379	83	38	rewards	reward	NOUN
gujaf-379	83	39	against	against	ADP
gujaf-379	83	40	possible	possible	ADJ
gujaf-379	83	41	setbacks	setback	NOUN
gujaf-379	83	42	.	.	PUNCT
gujaf-379	84	1	financial	financial	ADJ
gujaf-379	84	2	literacy	literacy	NOUN
gujaf-379	84	3	encompasses	encompass	VERB
gujaf-379	84	4	the	the	DET
gujaf-379	84	5	knowledge	knowledge	NOUN
gujaf-379	84	6	and	and	CCONJ
gujaf-379	84	7	skills	skill	NOUN
gujaf-379	84	8	required	require	VERB
gujaf-379	84	9	to	to	PART
gujaf-379	84	10	make	make	VERB
gujaf-379	84	11	informed	informed	ADJ
gujaf-379	84	12	financial	financial	ADJ
gujaf-379	84	13	decisions	decision	NOUN
gujaf-379	84	14	,	,	PUNCT
gujaf-379	84	15	including	include	VERB
gujaf-379	84	16	budgeting	budgeting	NOUN
gujaf-379	84	17	,	,	PUNCT
gujaf-379	84	18	saving	saving	NOUN
gujaf-379	84	19	,	,	PUNCT
gujaf-379	84	20	investing	investing	NOUN
gujaf-379	84	21	,	,	PUNCT
gujaf-379	84	22	and	and	CCONJ
gujaf-379	84	23	debt	debt	NOUN
gujaf-379	84	24	management	management	NOUN
gujaf-379	84	25	.	.	PUNCT
gujaf-379	85	1	johnson	johnson	PROPN
gujaf-379	85	2	,	,	PUNCT
gujaf-379	85	3	samuel	samuel	PROPN
gujaf-379	85	4	and	and	CCONJ
gujaf-379	85	5	musa	musa	PROPN
gujaf-379	85	6	(	(	PUNCT
gujaf-379	85	7	2023	2023	NUM
gujaf-379	85	8	)	)	PUNCT
gujaf-379	85	9	emphasize	emphasize	VERB
gujaf-379	85	10	that	that	PRON
gujaf-379	85	11	financially	financially	ADV
gujaf-379	85	12	literate	literate	ADJ
gujaf-379	85	13	sme	sme	NOUN
gujaf-379	85	14	owners	owner	NOUN
gujaf-379	85	15	are	be	AUX
gujaf-379	85	16	better	well	ADV
gujaf-379	85	17	equipped	equip	VERB
gujaf-379	85	18	to	to	PART
gujaf-379	85	19	navigate	navigate	VERB
gujaf-379	85	20	economic	economic	ADJ
gujaf-379	85	21	shocks	shock	NOUN
gujaf-379	85	22	and	and	CCONJ
gujaf-379	85	23	optimize	optimize	VERB
gujaf-379	85	24	fintech	fintech	NOUN
gujaf-379	85	25	tools	tool	NOUN
gujaf-379	85	26	.	.	PUNCT
gujaf-379	86	1	okeke	okeke	ADJ
gujaf-379	86	2	and	and	CCONJ
gujaf-379	86	3	uche	uche	PROPN
gujaf-379	86	4	(	(	PUNCT
gujaf-379	86	5	2024	2024	NUM
gujaf-379	86	6	)	)	PUNCT
gujaf-379	86	7	found	find	VERB
gujaf-379	86	8	a	a	DET
gujaf-379	86	9	strong	strong	ADJ
gujaf-379	86	10	correlation	correlation	NOUN
gujaf-379	86	11	between	between	ADP
gujaf-379	86	12	financial	financial	ADJ
gujaf-379	86	13	literacy	literacy	NOUN
gujaf-379	86	14	and	and	CCONJ
gujaf-379	86	15	business	business	NOUN
gujaf-379	86	16	survival	survival	NOUN
gujaf-379	86	17	rates	rate	NOUN
gujaf-379	86	18	among	among	ADP
gujaf-379	86	19	nigerian	nigerian	ADJ
gujaf-379	86	20	smes	sme	NOUN
gujaf-379	86	21	,	,	PUNCT
gujaf-379	86	22	particularly	particularly	ADV
gujaf-379	86	23	in	in	ADP
gujaf-379	86	24	rural	rural	ADJ
gujaf-379	86	25	areas	area	NOUN
gujaf-379	86	26	.	.	PUNCT
gujaf-379	87	1	additionally	additionally	ADV
gujaf-379	87	2	,	,	PUNCT
gujaf-379	87	3	bello	bello	PROPN
gujaf-379	87	4	and	and	CCONJ
gujaf-379	87	5	danjuma	danjuma	PROPN
gujaf-379	87	6	(	(	PUNCT
gujaf-379	87	7	2023	2023	NUM
gujaf-379	87	8	)	)	PUNCT
gujaf-379	87	9	highlight	highlight	VERB
gujaf-379	87	10	that	that	SCONJ
gujaf-379	87	11	low	low	ADJ
gujaf-379	87	12	financial	financial	ADJ
gujaf-379	87	13	literacy	literacy	NOUN
gujaf-379	87	14	contributes	contribute	VERB
gujaf-379	87	15	to	to	ADP
gujaf-379	87	16	poor	poor	ADJ
gujaf-379	87	17	loan	loan	NOUN
gujaf-379	87	18	repayment	repayment	NOUN
gujaf-379	87	19	behaviors	behavior	NOUN
gujaf-379	87	20	and	and	CCONJ
gujaf-379	87	21	limited	limited	ADJ
gujaf-379	87	22	access	access	NOUN
gujaf-379	87	23	to	to	ADP
gujaf-379	87	24	formal	formal	ADJ
gujaf-379	87	25	credit	credit	NOUN
gujaf-379	87	26	.	.	PUNCT
gujaf-379	88	1	this	this	DET
gujaf-379	88	2	study	study	NOUN
gujaf-379	88	3	defines	define	VERB
gujaf-379	88	4	financial	financial	ADJ
gujaf-379	88	5	literacy	literacy	NOUN
gujaf-379	88	6	as	as	ADP
gujaf-379	88	7	a	a	DET
gujaf-379	88	8	critical	critical	ADJ
gujaf-379	88	9	competency	competency	NOUN
gujaf-379	88	10	that	that	PRON
gujaf-379	88	11	moderates	moderate	VERB
gujaf-379	88	12	the	the	DET
gujaf-379	88	13	effectiveness	effectiveness	NOUN
gujaf-379	88	14	of	of	ADP
gujaf-379	88	15	fintech	fintech	NOUN
gujaf-379	88	16	adoption	adoption	NOUN
gujaf-379	88	17	and	and	CCONJ
gujaf-379	88	18	investment	investment	NOUN
gujaf-379	88	19	decisions	decision	NOUN
gujaf-379	88	20	,	,	PUNCT
gujaf-379	88	21	ultimately	ultimately	ADV
gujaf-379	88	22	influencing	influence	VERB
gujaf-379	88	23	sme	sme	ADJ
gujaf-379	88	24	growth	growth	NOUN
gujaf-379	88	25	trajectories	trajectory	NOUN
gujaf-379	88	26	.	.	PUNCT
gujaf-379	89	1	empirical	empirical	ADJ
gujaf-379	89	2	review	review	PROPN
gujaf-379	89	3	khan	khan	PROPN
gujaf-379	89	4	,	,	PUNCT
gujaf-379	89	5	khan	khan	PROPN
gujaf-379	89	6	and	and	CCONJ
gujaf-379	89	7	abbas	abbas	PROPN
gujaf-379	89	8	(	(	PUNCT
gujaf-379	89	9	2021	2021	NUM
gujaf-379	89	10	)	)	PUNCT
gujaf-379	89	11	demonstrated	demonstrate	VERB
gujaf-379	89	12	that	that	SCONJ
gujaf-379	89	13	financial	financial	ADJ
gujaf-379	89	14	literacy	literacy	NOUN
gujaf-379	89	15	significantly	significantly	ADV
gujaf-379	89	16	moderates	moderate	VERB
gujaf-379	89	17	the	the	DET
gujaf-379	89	18	relationship	relationship	NOUN
gujaf-379	89	19	between	between	ADP
gujaf-379	89	20	risk	risk	NOUN
gujaf-379	89	21	tolerance	tolerance	NOUN
gujaf-379	89	22	and	and	CCONJ
gujaf-379	89	23	technology	technology	NOUN
gujaf-379	89	24	adoption	adoption	NOUN
gujaf-379	89	25	in	in	ADP
gujaf-379	89	26	pakistani	pakistani	ADJ
gujaf-379	89	27	agricultural	agricultural	ADJ
gujaf-379	89	28	smes	sme	NOUN
gujaf-379	89	29	.	.	PUNCT
gujaf-379	90	1	their	their	PRON
gujaf-379	90	2	longitudinal	longitudinal	ADJ
gujaf-379	90	3	study	study	NOUN
gujaf-379	90	4	of	of	ADP
gujaf-379	90	5	350	350	NUM
gujaf-379	90	6	farms	farm	NOUN
gujaf-379	90	7	revealed	reveal	VERB
gujaf-379	90	8	that	that	SCONJ
gujaf-379	90	9	financially	financially	ADV
gujaf-379	90	10	literate	literate	ADJ
gujaf-379	90	11	owners	owner	NOUN
gujaf-379	90	12	were	be	AUX
gujaf-379	90	13	3.2	3.2	NUM
gujaf-379	90	14	times	time	NOUN
gujaf-379	90	15	more	more	ADV
gujaf-379	90	16	likely	likely	ADJ
gujaf-379	90	17	to	to	PART
gujaf-379	90	18	convert	convert	VERB
gujaf-379	90	19	risk	risk	NOUN
gujaf-379	90	20	tolerance	tolerance	NOUN
gujaf-379	90	21	into	into	ADP
gujaf-379	90	22	irrigation	irrigation	NOUN
gujaf-379	90	23	investments	investment	NOUN
gujaf-379	90	24	during	during	ADP
gujaf-379	90	25	droughts	drought	NOUN
gujaf-379	90	26	.	.	PUNCT
gujaf-379	91	1	while	while	SCONJ
gujaf-379	91	2	the	the	DET
gujaf-379	91	3	study	study	NOUN
gujaf-379	91	4	provides	provide	VERB
gujaf-379	91	5	valuable	valuable	ADJ
gujaf-379	91	6	sector	sector	NOUN
gujaf-379	91	7	-	-	PUNCT
gujaf-379	91	8	specific	specific	ADJ
gujaf-379	91	9	information	information	NOUN
gujaf-379	91	10	,	,	PUNCT
gujaf-379	91	11	it	it	PRON
gujaf-379	91	12	fails	fail	VERB
gujaf-379	91	13	to	to	PART
gujaf-379	91	14	account	account	VERB
gujaf-379	91	15	for	for	ADP
gujaf-379	91	16	how	how	SCONJ
gujaf-379	91	17	islamic	islamic	ADJ
gujaf-379	91	18	financial	financial	ADJ
gujaf-379	91	19	literacy	literacy	NOUN
gujaf-379	91	20	might	might	AUX
gujaf-379	91	21	uniquely	uniquely	ADV
gujaf-379	91	22	shape	shape	VERB
gujaf-379	91	23	risk	risk	NOUN
gujaf-379	91	24	-	-	PUNCT
gujaf-379	91	25	taking	take	VERB
gujaf-379	91	26	behaviors	behavior	NOUN
gujaf-379	91	27	in	in	ADP
gujaf-379	91	28	this	this	DET
gujaf-379	91	29	predominantly	predominantly	ADV
gujaf-379	91	30	muslim	muslim	ADJ
gujaf-379	91	31	context	context	NOUN
gujaf-379	91	32	,	,	PUNCT
gujaf-379	91	33	potentially	potentially	ADV
gujaf-379	91	34	overlooking	overlook	VERB
gujaf-379	91	35	religious	religious	ADJ
gujaf-379	91	36	constraints	constraint	NOUN
gujaf-379	91	37	on	on	ADP
gujaf-379	91	38	conventional	conventional	ADJ
gujaf-379	91	39	financing	financing	NOUN
gujaf-379	91	40	instruments	instrument	NOUN
gujaf-379	91	41	.	.	PUNCT
gujaf-379	92	1	tanaka	tanaka	PROPN
gujaf-379	92	2	kawamura	kawamura	PROPN
gujaf-379	92	3	,	,	PUNCT
gujaf-379	92	4	and	and	CCONJ
gujaf-379	92	5	yamashita	yamashita	PROPN
gujaf-379	92	6	(	(	PUNCT
gujaf-379	92	7	2020	2020	NUM
gujaf-379	92	8	)	)	PUNCT
gujaf-379	92	9	uncovered	uncover	VERB
gujaf-379	92	10	a	a	DET
gujaf-379	92	11	crucial	crucial	ADJ
gujaf-379	92	12	moderating	moderate	VERB
gujaf-379	92	13	effect	effect	NOUN
gujaf-379	92	14	of	of	ADP
gujaf-379	92	15	financial	financial	ADJ
gujaf-379	92	16	literacy	literacy	NOUN
gujaf-379	92	17	in	in	ADP
gujaf-379	92	18	their	their	PRON
gujaf-379	92	19	experimental	experimental	ADJ
gujaf-379	92	20	study	study	NOUN
gujaf-379	92	21	of	of	ADP
gujaf-379	92	22	500	500	NUM
gujaf-379	92	23	japanese	japanese	ADJ
gujaf-379	92	24	microbusinesses	microbusinesse	NOUN
gujaf-379	92	25	.	.	PUNCT
gujaf-379	93	1	they	they	PRON
gujaf-379	93	2	found	find	VERB
gujaf-379	93	3	that	that	SCONJ
gujaf-379	93	4	while	while	SCONJ
gujaf-379	93	5	women	woman	NOUN
gujaf-379	93	6	displayed	display	VERB
gujaf-379	93	7	lower	low	ADJ
gujaf-379	93	8	baseline	baseline	ADJ
gujaf-379	93	9	risk	risk	NOUN
gujaf-379	93	10	tolerance	tolerance	NOUN
gujaf-379	93	11	,	,	PUNCT
gujaf-379	93	12	those	those	PRON
gujaf-379	93	13	with	with	ADP
gujaf-379	93	14	high	high	ADJ
gujaf-379	93	15	financial	financial	ADJ
gujaf-379	93	16	literacy	literacy	NOUN
gujaf-379	93	17	showed	show	VERB
gujaf-379	93	18	investment	investment	NOUN
gujaf-379	93	19	patterns	pattern	NOUN
gujaf-379	93	20	comparable	comparable	ADJ
gujaf-379	93	21	to	to	ADP
gujaf-379	93	22	male	male	ADJ
gujaf-379	93	23	counterparts	counterpart	NOUN
gujaf-379	93	24	.	.	PUNCT
gujaf-379	94	1	the	the	DET
gujaf-379	94	2	research	research	NOUN
gujaf-379	94	3	importantly	importantly	ADV
gujaf-379	94	4	highlights	highlight	VERB
gujaf-379	94	5	literacy	literacy	NOUN
gujaf-379	94	6	's	's	PART
gujaf-379	94	7	genderequalizing	genderequalizing	NOUN
gujaf-379	94	8	potential	potential	NOUN
gujaf-379	94	9	but	but	CCONJ
gujaf-379	94	10	suffers	suffer	VERB
gujaf-379	94	11	from	from	ADP
gujaf-379	94	12	methodological	methodological	ADJ
gujaf-379	94	13	limitations	limitation	NOUN
gujaf-379	94	14	by	by	ADP
gujaf-379	94	15	measuring	measure	VERB
gujaf-379	94	16	hypothetical	hypothetical	ADJ
gujaf-379	94	17	rather	rather	ADV
gujaf-379	94	18	than	than	ADP
gujaf-379	94	19	actual	actual	ADJ
gujaf-379	94	20	investment	investment	NOUN
gujaf-379	94	21	decisions	decision	NOUN
gujaf-379	94	22	,	,	PUNCT
gujaf-379	94	23	weakening	weaken	VERB
gujaf-379	94	24	real	real	ADJ
gujaf-379	94	25	-	-	PUNCT
gujaf-379	94	26	world	world	NOUN
gujaf-379	94	27	applicability	applicability	NOUN
gujaf-379	94	28	to	to	ADP
gujaf-379	94	29	sme	sme	VERB
gujaf-379	94	30	operational	operational	ADJ
gujaf-379	94	31	contexts	contexts	NOUN
gujaf-379	94	32	.	.	PUNCT
gujaf-379	95	1	mburu	mburu	NOUN
gujaf-379	95	2	and	and	CCONJ
gujaf-379	95	3	karanja	karanja	PROPN
gujaf-379	95	4	's	's	PART
gujaf-379	95	5	(	(	PUNCT
gujaf-379	95	6	2022	2022	NUM
gujaf-379	95	7	)	)	PUNCT
gujaf-379	95	8	analysis	analysis	NOUN
gujaf-379	95	9	of	of	ADP
gujaf-379	95	10	kenyan	kenyan	ADJ
gujaf-379	95	11	mobile	mobile	ADJ
gujaf-379	95	12	money	money	NOUN
gujaf-379	95	13	data	datum	NOUN
gujaf-379	95	14	established	establish	VERB
gujaf-379	95	15	that	that	SCONJ
gujaf-379	95	16	financial	financial	ADJ
gujaf-379	95	17	literacy	literacy	NOUN
gujaf-379	95	18	amplifies	amplify	VERB
gujaf-379	95	19	the	the	DET
gujaf-379	95	20	positive	positive	ADJ
gujaf-379	95	21	relationship	relationship	NOUN
gujaf-379	95	22	between	between	ADP
gujaf-379	95	23	digital	digital	ADJ
gujaf-379	95	24	finance	finance	NOUN
gujaf-379	95	25	use	use	NOUN
gujaf-379	95	26	and	and	CCONJ
gujaf-379	95	27	risk	risk	NOUN
gujaf-379	95	28	-	-	PUNCT
gujaf-379	95	29	tolerant	tolerant	ADJ
gujaf-379	95	30	investing	investing	NOUN
gujaf-379	95	31	.	.	PUNCT
gujaf-379	96	1	their	their	PRON
gujaf-379	96	2	big	big	ADJ
gujaf-379	96	3	data	datum	NOUN
gujaf-379	96	4	approach	approach	NOUN
gujaf-379	96	5	convincingly	convincingly	ADV
gujaf-379	96	6	shows	show	VERB
gujaf-379	96	7	literate	literate	ADJ
gujaf-379	96	8	sme	sme	NOUN
gujaf-379	96	9	owners	owner	NOUN
gujaf-379	96	10	allocate	allocate	VERB
gujaf-379	96	11	18	18	NUM
gujaf-379	96	12	%	%	NOUN
gujaf-379	96	13	more	more	ADJ
gujaf-379	96	14	working	work	VERB
gujaf-379	96	15	capital	capital	NOUN
gujaf-379	96	16	to	to	PART
gujaf-379	96	17	growth	growth	VERB
gujaf-379	96	18	investments	investment	NOUN
gujaf-379	96	19	through	through	ADP
gujaf-379	96	20	mobile	mobile	ADJ
gujaf-379	96	21	platforms	platform	NOUN
gujaf-379	96	22	.	.	PUNCT
gujaf-379	97	1	however	however	ADV
gujaf-379	97	2	,	,	PUNCT
gujaf-379	97	3	the	the	DET
gujaf-379	97	4	study	study	NOUN
gujaf-379	97	5	's	's	PART
gujaf-379	97	6	exclusive	exclusive	ADJ
gujaf-379	97	7	focus	focus	NOUN
gujaf-379	97	8	on	on	ADP
gujaf-379	97	9	digital	digital	ADJ
gujaf-379	97	10	channels	channel	NOUN
gujaf-379	97	11	neglects	neglect	VERB
gujaf-379	97	12	how	how	SCONJ
gujaf-379	97	13	traditional	traditional	ADJ
gujaf-379	97	14	financial	financial	ADJ
gujaf-379	97	15	literacy	literacy	NOUN
gujaf-379	97	16	might	might	AUX
gujaf-379	97	17	differently	differently	ADV
gujaf-379	97	18	moderate	moderate	VERB
gujaf-379	97	19	risktaking	risktake	VERB
gujaf-379	97	20	in	in	ADP
gujaf-379	97	21	cash	cash	NOUN
gujaf-379	97	22	-	-	PUNCT
gujaf-379	97	23	dominated	dominate	VERB
gujaf-379	97	24	sme	sme	NOUN
gujaf-379	97	25	sectors	sector	NOUN
gujaf-379	97	26	.	.	PUNCT
gujaf-379	98	1	chen	chen	PROPN
gujaf-379	98	2	and	and	CCONJ
gujaf-379	98	3	wong	wong	PROPN
gujaf-379	98	4	(	(	PUNCT
gujaf-379	98	5	2023	2023	NUM
gujaf-379	98	6	)	)	PUNCT
gujaf-379	98	7	made	make	VERB
gujaf-379	98	8	neuroeconomic	neuroeconomic	ADJ
gujaf-379	98	9	breakthroughs	breakthrough	NOUN
gujaf-379	98	10	by	by	ADP
gujaf-379	98	11	identifying	identify	VERB
gujaf-379	98	12	distinct	distinct	ADJ
gujaf-379	98	13	brain	brain	NOUN
gujaf-379	98	14	activation	activation	NOUN
gujaf-379	98	15	patterns	pattern	NOUN
gujaf-379	98	16	when	when	SCONJ
gujaf-379	98	17	financially	financially	ADV
gujaf-379	98	18	literate	literate	ADJ
gujaf-379	98	19	entrepreneurs	entrepreneur	NOUN
gujaf-379	98	20	evaluate	evaluate	VERB
gujaf-379	98	21	risks	risk	NOUN
gujaf-379	98	22	.	.	PUNCT
gujaf-379	99	1	their	their	PRON
gujaf-379	99	2	fmri	fmri	PROPN
gujaf-379	99	3	scans	scan	NOUN
gujaf-379	99	4	of	of	ADP
gujaf-379	99	5	50	50	NUM
gujaf-379	99	6	subjects	subject	NOUN
gujaf-379	99	7	revealed	reveal	VERB
gujaf-379	99	8	that	that	SCONJ
gujaf-379	99	9	literacy	literacy	NOUN
gujaf-379	99	10	enhances	enhance	VERB
gujaf-379	99	11	prefrontal	prefrontal	ADJ
gujaf-379	99	12	cortex	cortex	NOUN
gujaf-379	99	13	control	control	NOUN
gujaf-379	99	14	over	over	ADP
gujaf-379	99	15	amygdala	amygdala	NOUN
gujaf-379	99	16	-	-	PUNCT
gujaf-379	99	17	driven	drive	VERB
gujaf-379	99	18	risk	risk	NOUN
gujaf-379	99	19	aversion	aversion	NOUN
gujaf-379	99	20	.	.	PUNCT
gujaf-379	100	1	while	while	SCONJ
gujaf-379	100	2	pioneering	pioneer	VERB
gujaf-379	100	3	,	,	PUNCT
gujaf-379	100	4	this	this	DET
gujaf-379	100	5	laboratorybased	laboratorybase	VERB
gujaf-379	100	6	research	research	NOUN
gujaf-379	100	7	lacks	lack	VERB
gujaf-379	100	8	ecological	ecological	ADJ
gujaf-379	100	9	validity	validity	NOUN
gujaf-379	100	10	and	and	CCONJ
gujaf-379	100	11	does	do	AUX
gujaf-379	100	12	n't	not	PART
gujaf-379	100	13	explain	explain	VERB
gujaf-379	100	14	how	how	SCONJ
gujaf-379	100	15	to	to	PART
gujaf-379	100	16	cultivate	cultivate	VERB
gujaf-379	100	17	such	such	ADJ
gujaf-379	100	18	neurological	neurological	ADJ
gujaf-379	100	19	advantages	advantage	NOUN
gujaf-379	100	20	through	through	ADP
gujaf-379	100	21	practical	practical	ADJ
gujaf-379	100	22	sme	sme	NOUN
gujaf-379	100	23	training	training	NOUN
gujaf-379	100	24	programs	program	NOUN
gujaf-379	100	25	in	in	ADP
gujaf-379	100	26	developing	develop	VERB
gujaf-379	100	27	economies	economy	NOUN
gujaf-379	100	28	.	.	PUNCT
gujaf-379	101	1	al	al	PROPN
gujaf-379	101	2	-	-	PUNCT
gujaf-379	101	3	malkawi	malkawi	PROPN
gujaf-379	101	4	and	and	CCONJ
gujaf-379	101	5	pillai	pillai	PROPN
gujaf-379	101	6	(	(	PUNCT
gujaf-379	101	7	2021	2021	NUM
gujaf-379	101	8	)	)	PUNCT
gujaf-379	101	9	provided	provide	VERB
gujaf-379	101	10	valuable	valuable	ADJ
gujaf-379	101	11	information	information	NOUN
gujaf-379	101	12	on	on	ADP
gujaf-379	101	13	how	how	SCONJ
gujaf-379	101	14	islamic	islamic	ADJ
gujaf-379	101	15	financial	financial	ADJ
gujaf-379	101	16	literacy	literacy	NOUN
gujaf-379	101	17	uniquely	uniquely	ADV
gujaf-379	101	18	moderates	moderate	VERB
gujaf-379	101	19	risk	risk	VERB
gujaf-379	101	20	tolerance	tolerance	NOUN
gujaf-379	101	21	in	in	ADP
gujaf-379	101	22	omani	omani	ADJ
gujaf-379	101	23	smes	sme	NOUN
gujaf-379	101	24	.	.	PUNCT
gujaf-379	102	1	their	their	PRON
gujaf-379	102	2	finding	find	VERB
gujaf-379	102	3	that	that	SCONJ
gujaf-379	102	4	sharia	sharia	NOUN
gujaf-379	102	5	-	-	PUNCT
gujaf-379	102	6	literate	literate	ADJ
gujaf-379	102	7	owners	owner	NOUN
gujaf-379	102	8	engage	engage	VERB
gujaf-379	102	9	more	more	ADV
gujaf-379	102	10	confidently	confidently	ADV
gujaf-379	102	11	in	in	ADP
gujaf-379	102	12	profit	profit	NOUN
gujaf-379	102	13	-	-	PUNCT
gujaf-379	102	14	sharing	share	VERB
gujaf-379	102	15	investments	investment	NOUN
gujaf-379	102	16	(	(	PUNCT
gujaf-379	102	17	mudarabah	mudarabah	NOUN
gujaf-379	102	18	)	)	PUNCT
gujaf-379	102	19	offers	offer	VERB
gujaf-379	102	20	important	important	ADJ
gujaf-379	102	21	cultural	cultural	ADJ
gujaf-379	102	22	details	detail	NOUN
gujaf-379	102	23	.	.	PUNCT
gujaf-379	103	1	however	however	ADV
gujaf-379	103	2	,	,	PUNCT
gujaf-379	103	3	the	the	DET
gujaf-379	103	4	study	study	NOUN
gujaf-379	103	5	's	's	PART
gujaf-379	103	6	narrow	narrow	ADJ
gujaf-379	103	7	focus	focus	NOUN
gujaf-379	103	8	on	on	ADP
gujaf-379	103	9	islamic	islamic	ADJ
gujaf-379	103	10	finance	finance	NOUN
gujaf-379	103	11	excludes	exclude	VERB
gujaf-379	103	12	conventional	conventional	ADJ
gujaf-379	103	13	financial	financial	ADJ
gujaf-379	103	14	literacy	literacy	NOUN
gujaf-379	103	15	's	's	PART
gujaf-379	103	16	moderating	moderate	VERB
gujaf-379	103	17	role	role	NOUN
gujaf-379	103	18	,	,	PUNCT
gujaf-379	103	19	limiting	limit	VERB
gujaf-379	103	20	applicability	applicability	NOUN
gujaf-379	103	21	to	to	ADP
gujaf-379	103	22	mixed	mix	VERB
gujaf-379	103	23	-	-	PUNCT
gujaf-379	103	24	economy	economy	NOUN
gujaf-379	103	25	settings	setting	NOUN
gujaf-379	103	26	where	where	SCONJ
gujaf-379	103	27	smes	sme	NOUN
gujaf-379	103	28	operate	operate	VERB
gujaf-379	103	29	across	across	ADP
gujaf-379	103	30	both	both	DET
gujaf-379	103	31	systems	system	NOUN
gujaf-379	103	32	.	.	PUNCT
gujaf-379	104	1	rodríguez	rodríguez	NOUN
gujaf-379	104	2	-	-	PUNCT
gujaf-379	104	3	pose	pose	NOUN
gujaf-379	104	4	and	and	CCONJ
gujaf-379	104	5	hardy	hardy	ADJ
gujaf-379	104	6	(	(	PUNCT
gujaf-379	104	7	2023	2023	NUM
gujaf-379	104	8	)	)	PUNCT
gujaf-379	104	9	importantly	importantly	ADV
gujaf-379	104	10	contextualized	contextualize	VERB
gujaf-379	104	11	how	how	SCONJ
gujaf-379	104	12	financial	financial	ADJ
gujaf-379	104	13	gusau	gusau	ADJ
gujaf-379	104	14	journal	journal	NOUN
gujaf-379	104	15	of	of	ADP
gujaf-379	104	16	accounting	accounting	NOUN
gujaf-379	104	17	and	and	CCONJ
gujaf-379	104	18	finance	finance	NOUN
gujaf-379	104	19	,	,	PUNCT
gujaf-379	104	20	vol.6	vol.6	PROPN
gujaf-379	104	21	,	,	PUNCT
gujaf-379	104	22	issue	issue	NOUN
gujaf-379	104	23	1	1	NUM
gujaf-379	104	24	,	,	PUNCT
gujaf-379	104	25	april	april	PROPN
gujaf-379	104	26	,	,	PUNCT
gujaf-379	104	27	2025	2025	NUM
gujaf-379	104	28	208	208	NUM
gujaf-379	104	29	literacy	literacy	NOUN
gujaf-379	104	30	buffers	buffer	NOUN
gujaf-379	104	31	conflict	conflict	NOUN
gujaf-379	104	32	zones	zone	NOUN
gujaf-379	104	33	'	'	PART
gujaf-379	104	34	negative	negative	ADJ
gujaf-379	104	35	impact	impact	NOUN
gujaf-379	104	36	on	on	ADP
gujaf-379	104	37	sme	sme	ADJ
gujaf-379	104	38	risk	risk	NOUN
gujaf-379	104	39	-	-	PUNCT
gujaf-379	104	40	taking	taking	NOUN
gujaf-379	104	41	.	.	PUNCT
gujaf-379	105	1	their	their	PRON
gujaf-379	105	2	multilevel	multilevel	ADJ
gujaf-379	105	3	analysis	analysis	NOUN
gujaf-379	105	4	across	across	ADP
gujaf-379	105	5	15	15	NUM
gujaf-379	105	6	regions	region	NOUN
gujaf-379	105	7	showed	show	VERB
gujaf-379	105	8	literate	literate	ADJ
gujaf-379	105	9	entrepreneurs	entrepreneur	NOUN
gujaf-379	105	10	maintain	maintain	VERB
gujaf-379	105	11	40	40	NUM
gujaf-379	105	12	%	%	NOUN
gujaf-379	105	13	higher	high	ADJ
gujaf-379	105	14	investment	investment	NOUN
gujaf-379	105	15	levels	level	NOUN
gujaf-379	105	16	amid	amid	ADP
gujaf-379	105	17	instability	instability	NOUN
gujaf-379	105	18	.	.	PUNCT
gujaf-379	106	1	while	while	SCONJ
gujaf-379	106	2	compelling	compelling	ADJ
gujaf-379	106	3	,	,	PUNCT
gujaf-379	106	4	the	the	DET
gujaf-379	106	5	research	research	NOUN
gujaf-379	106	6	overlooks	overlook	VERB
gujaf-379	106	7	how	how	SCONJ
gujaf-379	106	8	literacy	literacy	NOUN
gujaf-379	106	9	's	's	PART
gujaf-379	106	10	moderating	moderate	VERB
gujaf-379	106	11	effect	effect	NOUN
gujaf-379	106	12	might	might	AUX
gujaf-379	106	13	vary	vary	VERB
gujaf-379	106	14	by	by	ADP
gujaf-379	106	15	conflict	conflict	NOUN
gujaf-379	106	16	type	type	NOUN
gujaf-379	106	17	(	(	PUNCT
gujaf-379	106	18	ethnic	ethnic	ADJ
gujaf-379	106	19	vs.	vs.	ADJ
gujaf-379	106	20	political	political	ADJ
gujaf-379	106	21	violence	violence	NOUN
gujaf-379	106	22	)	)	PUNCT
gujaf-379	106	23	,	,	PUNCT
gujaf-379	106	24	potentially	potentially	ADV
gujaf-379	106	25	masking	mask	VERB
gujaf-379	106	26	important	important	ADJ
gujaf-379	106	27	differential	differential	ADJ
gujaf-379	106	28	impacts	impact	NOUN
gujaf-379	106	29	on	on	ADP
gujaf-379	106	30	sme	sme	ADJ
gujaf-379	106	31	decision	decision	NOUN
gujaf-379	106	32	-	-	PUNCT
gujaf-379	106	33	making	making	NOUN
gujaf-379	106	34	.	.	PUNCT
gujaf-379	107	1	boateng	boateng	PROPN
gujaf-379	107	2	,	,	PUNCT
gujaf-379	107	3	akamavi	akamavi	VERB
gujaf-379	107	4	,	,	PUNCT
gujaf-379	107	5	and	and	CCONJ
gujaf-379	107	6	ndoro	ndoro	PROPN
gujaf-379	107	7	,	,	PUNCT
gujaf-379	107	8	(	(	PUNCT
gujaf-379	107	9	2022	2022	NUM
gujaf-379	107	10	)	)	PUNCT
gujaf-379	107	11	revealed	reveal	VERB
gujaf-379	107	12	family	family	NOUN
gujaf-379	107	13	smes	sme	NOUN
gujaf-379	107	14	'	'	PART
gujaf-379	107	15	surprising	surprising	ADJ
gujaf-379	107	16	advantage	advantage	NOUN
gujaf-379	107	17	their	their	PRON
gujaf-379	107	18	intergenerational	intergenerational	ADJ
gujaf-379	107	19	financial	financial	ADJ
gujaf-379	107	20	literacy	literacy	NOUN
gujaf-379	107	21	moderates	moderate	NOUN
gujaf-379	107	22	risk	risk	VERB
gujaf-379	107	23	tolerance	tolerance	NOUN
gujaf-379	107	24	more	more	ADV
gujaf-379	107	25	effectively	effectively	ADV
gujaf-379	107	26	than	than	ADP
gujaf-379	107	27	formal	formal	ADJ
gujaf-379	107	28	education	education	NOUN
gujaf-379	107	29	.	.	PUNCT
gujaf-379	108	1	the	the	DET
gujaf-379	108	2	study	study	NOUN
gujaf-379	108	3	's	's	PART
gujaf-379	108	4	comparison	comparison	NOUN
gujaf-379	108	5	of	of	ADP
gujaf-379	108	6	300	300	NUM
gujaf-379	108	7	ghanaian	ghanaian	ADJ
gujaf-379	108	8	businesses	business	NOUN
gujaf-379	108	9	showed	show	VERB
gujaf-379	108	10	family	family	NOUN
gujaf-379	108	11	firms	firm	NOUN
gujaf-379	108	12	made	make	VERB
gujaf-379	108	13	fewer	few	ADJ
gujaf-379	108	14	but	but	CCONJ
gujaf-379	108	15	more	more	ADV
gujaf-379	108	16	strategic	strategic	ADJ
gujaf-379	108	17	investments	investment	NOUN
gujaf-379	108	18	.	.	PUNCT
gujaf-379	109	1	however	however	ADV
gujaf-379	109	2	,	,	PUNCT
gujaf-379	109	3	its	its	PRON
gujaf-379	109	4	static	static	ADJ
gujaf-379	109	5	survey	survey	NOUN
gujaf-379	109	6	design	design	NOUN
gujaf-379	109	7	could	could	AUX
gujaf-379	109	8	n't	not	PART
gujaf-379	109	9	capture	capture	VERB
gujaf-379	109	10	how	how	SCONJ
gujaf-379	109	11	financial	financial	ADJ
gujaf-379	109	12	literacy	literacy	NOUN
gujaf-379	109	13	transmission	transmission	NOUN
gujaf-379	109	14	actually	actually	ADV
gujaf-379	109	15	occurs	occur	VERB
gujaf-379	109	16	across	across	ADP
gujaf-379	109	17	generations	generation	NOUN
gujaf-379	109	18	,	,	PUNCT
gujaf-379	109	19	missing	miss	VERB
gujaf-379	109	20	opportunities	opportunity	NOUN
gujaf-379	109	21	to	to	PART
gujaf-379	109	22	strengthen	strengthen	VERB
gujaf-379	109	23	sme	sme	ADJ
gujaf-379	109	24	succession	succession	NOUN
gujaf-379	109	25	planning	planning	NOUN
gujaf-379	109	26	.	.	PUNCT
gujaf-379	110	1	doranova	doranova	PROPN
gujaf-379	110	2	,	,	PUNCT
gujaf-379	110	3	costa	costa	NOUN
gujaf-379	110	4	,	,	PUNCT
gujaf-379	110	5	and	and	CCONJ
gujaf-379	110	6	blankert	blankert	NOUN
gujaf-379	110	7	(	(	PUNCT
gujaf-379	110	8	2021	2021	NUM
gujaf-379	110	9	)	)	PUNCT
gujaf-379	110	10	demonstrated	demonstrate	VERB
gujaf-379	110	11	machine	machine	NOUN
gujaf-379	110	12	learning	learning	NOUN
gujaf-379	110	13	's	's	PART
gujaf-379	110	14	potential	potential	NOUN
gujaf-379	110	15	to	to	PART
gujaf-379	110	16	assess	assess	VERB
gujaf-379	110	17	financial	financial	ADJ
gujaf-379	110	18	literacy	literacy	NOUN
gujaf-379	110	19	's	's	PART
gujaf-379	110	20	moderating	moderate	VERB
gujaf-379	110	21	role	role	NOUN
gujaf-379	110	22	at	at	ADP
gujaf-379	110	23	scale	scale	NOUN
gujaf-379	110	24	.	.	PUNCT
gujaf-379	111	1	their	their	PRON
gujaf-379	111	2	algorithm	algorithm	NOUN
gujaf-379	111	3	analyzing	analyze	VERB
gujaf-379	111	4	eu	eu	PROPN
gujaf-379	111	5	tax	tax	NOUN
gujaf-379	111	6	data	datum	NOUN
gujaf-379	111	7	predicted	predict	VERB
gujaf-379	111	8	literate	literate	ADJ
gujaf-379	111	9	smes	sme	NOUN
gujaf-379	111	10	'	'	PART
gujaf-379	111	11	risk	risk	NOUN
gujaf-379	111	12	-	-	PUNCT
gujaf-379	111	13	taking	taking	NOUN
gujaf-379	111	14	with	with	ADP
gujaf-379	111	15	89	89	NUM
gujaf-379	111	16	%	%	NOUN
gujaf-379	111	17	accuracy	accuracy	NOUN
gujaf-379	111	18	.	.	PUNCT
gujaf-379	112	1	while	while	SCONJ
gujaf-379	112	2	technically	technically	ADV
gujaf-379	112	3	impressive	impressive	ADJ
gujaf-379	112	4	,	,	PUNCT
gujaf-379	112	5	this	this	DET
gujaf-379	112	6	approach	approach	NOUN
gujaf-379	112	7	reduces	reduce	VERB
gujaf-379	112	8	financial	financial	ADJ
gujaf-379	112	9	literacy	literacy	NOUN
gujaf-379	112	10	to	to	ADP
gujaf-379	112	11	transactional	transactional	ADJ
gujaf-379	112	12	proxies	proxy	NOUN
gujaf-379	112	13	,	,	PUNCT
gujaf-379	112	14	potentially	potentially	ADV
gujaf-379	112	15	overlooking	overlook	VERB
gujaf-379	112	16	behavioral	behavioral	ADJ
gujaf-379	112	17	dimensions	dimension	NOUN
gujaf-379	112	18	crucial	crucial	ADJ
gujaf-379	112	19	for	for	ADP
gujaf-379	112	20	understanding	understand	VERB
gujaf-379	112	21	sme	sme	ADJ
gujaf-379	112	22	decision	decision	NOUN
gujaf-379	112	23	-	-	PUNCT
gujaf-379	112	24	making	make	VERB
gujaf-379	112	25	processes	process	NOUN
gujaf-379	112	26	in	in	ADP
gujaf-379	112	27	developing	develop	VERB
gujaf-379	112	28	economies	economy	NOUN
gujaf-379	112	29	.	.	PUNCT
gujaf-379	113	1	singh	singh	PROPN
gujaf-379	113	2	and	and	CCONJ
gujaf-379	113	3	rastogi	rastogi	ADV
gujaf-379	113	4	(	(	PUNCT
gujaf-379	113	5	2023	2023	NUM
gujaf-379	113	6	)	)	PUNCT
gujaf-379	113	7	ethnographically	ethnographically	ADV
gujaf-379	113	8	documented	document	VERB
gujaf-379	113	9	how	how	SCONJ
gujaf-379	113	10	caste	caste	NOUN
gujaf-379	113	11	-	-	PUNCT
gujaf-379	113	12	embedded	embed	VERB
gujaf-379	113	13	financial	financial	ADJ
gujaf-379	113	14	literacy	literacy	NOUN
gujaf-379	113	15	differentially	differentially	ADV
gujaf-379	113	16	moderates	moderate	VERB
gujaf-379	113	17	risk	risk	NOUN
gujaf-379	113	18	tolerance	tolerance	NOUN
gujaf-379	113	19	.	.	PUNCT
gujaf-379	114	1	their	their	PRON
gujaf-379	114	2	indian	indian	ADJ
gujaf-379	114	3	case	case	NOUN
gujaf-379	114	4	studies	study	NOUN
gujaf-379	114	5	showed	show	VERB
gujaf-379	114	6	some	some	DET
gujaf-379	114	7	community	community	NOUN
gujaf-379	114	8	-	-	PUNCT
gujaf-379	114	9	based	base	VERB
gujaf-379	114	10	literacy	literacy	NOUN
gujaf-379	114	11	forms	form	NOUN
gujaf-379	114	12	actually	actually	ADV
gujaf-379	114	13	constrain	constrain	VERB
gujaf-379	114	14	women	woman	NOUN
gujaf-379	114	15	's	's	PART
gujaf-379	114	16	investment	investment	NOUN
gujaf-379	114	17	autonomy	autonomy	NOUN
gujaf-379	114	18	.	.	PUNCT
gujaf-379	115	1	the	the	DET
gujaf-379	115	2	research	research	NOUN
gujaf-379	115	3	importantly	importantly	ADV
gujaf-379	115	4	challenges	challenge	VERB
gujaf-379	115	5	universal	universal	ADJ
gujaf-379	115	6	literacy	literacy	NOUN
gujaf-379	115	7	assumptions	assumption	NOUN
gujaf-379	115	8	but	but	CCONJ
gujaf-379	115	9	lacks	lack	VERB
gujaf-379	115	10	actionable	actionable	ADJ
gujaf-379	115	11	metrics	metric	NOUN
gujaf-379	115	12	for	for	SCONJ
gujaf-379	115	13	policymakers	policymaker	NOUN
gujaf-379	115	14	to	to	PART
gujaf-379	115	15	improve	improve	VERB
gujaf-379	115	16	financial	financial	ADJ
gujaf-379	115	17	education	education	NOUN
gujaf-379	115	18	without	without	ADP
gujaf-379	115	19	disrupting	disrupt	VERB
gujaf-379	115	20	beneficial	beneficial	ADJ
gujaf-379	115	21	traditional	traditional	ADJ
gujaf-379	115	22	knowledge	knowledge	NOUN
gujaf-379	115	23	systems	system	NOUN
gujaf-379	115	24	.	.	PUNCT
gujaf-379	116	1	vargas	vargas	NOUN
gujaf-379	116	2	-	-	PUNCT
gujaf-379	116	3	hernández	hernández	PROPN
gujaf-379	116	4	's	's	PART
gujaf-379	116	5	(	(	PUNCT
gujaf-379	116	6	2022	2022	NUM
gujaf-379	116	7	)	)	PUNCT
gujaf-379	116	8	risk	risk	NOUN
gujaf-379	116	9	culture	culture	NOUN
gujaf-379	116	10	index	index	NOUN
gujaf-379	116	11	importantly	importantly	ADV
gujaf-379	116	12	incorporates	incorporate	VERB
gujaf-379	116	13	financial	financial	ADJ
gujaf-379	116	14	literacy	literacy	NOUN
gujaf-379	116	15	as	as	ADP
gujaf-379	116	16	a	a	DET
gujaf-379	116	17	key	key	ADJ
gujaf-379	116	18	moderating	moderating	NOUN
gujaf-379	116	19	dimension	dimension	NOUN
gujaf-379	116	20	across	across	ADP
gujaf-379	116	21	400	400	NUM
gujaf-379	116	22	latin	latin	ADJ
gujaf-379	116	23	american	american	ADJ
gujaf-379	116	24	smes	sme	NOUN
gujaf-379	116	25	.	.	PUNCT
gujaf-379	117	1	the	the	DET
gujaf-379	117	2	tool	tool	NOUN
gujaf-379	117	3	effectively	effectively	ADV
gujaf-379	117	4	predicts	predict	VERB
gujaf-379	117	5	which	which	PRON
gujaf-379	117	6	literate	literate	ADJ
gujaf-379	117	7	entrepreneurs	entrepreneur	NOUN
gujaf-379	117	8	will	will	AUX
gujaf-379	117	9	convert	convert	VERB
gujaf-379	117	10	risk	risk	NOUN
gujaf-379	117	11	tolerance	tolerance	NOUN
gujaf-379	117	12	into	into	ADP
gujaf-379	117	13	growth	growth	NOUN
gujaf-379	117	14	investments	investment	NOUN
gujaf-379	117	15	.	.	PUNCT
gujaf-379	118	1	however	however	ADV
gujaf-379	118	2	,	,	PUNCT
gujaf-379	118	3	its	its	PRON
gujaf-379	118	4	westernderived	westernderive	VERB
gujaf-379	118	5	literacy	literacy	NOUN
gujaf-379	118	6	measures	measure	NOUN
gujaf-379	118	7	may	may	AUX
gujaf-379	118	8	not	not	PART
gujaf-379	118	9	capture	capture	VERB
gujaf-379	118	10	informal	informal	ADJ
gujaf-379	118	11	financial	financial	ADJ
gujaf-379	118	12	knowledge	knowledge	NOUN
gujaf-379	118	13	prevalent	prevalent	ADJ
gujaf-379	118	14	in	in	ADP
gujaf-379	118	15	developing	develop	VERB
gujaf-379	118	16	markets	market	NOUN
gujaf-379	118	17	,	,	PUNCT
gujaf-379	118	18	potentially	potentially	ADV
gujaf-379	118	19	undervaluing	undervalue	VERB
gujaf-379	118	20	indigenous	indigenous	ADJ
gujaf-379	118	21	sme	sme	NOUN
gujaf-379	118	22	risk	risk	NOUN
gujaf-379	118	23	management	management	NOUN
gujaf-379	118	24	strategies	strategy	NOUN
gujaf-379	118	25	.	.	PUNCT
gujaf-379	119	1	theoretical	theoretical	ADJ
gujaf-379	119	2	review	review	NOUN
gujaf-379	119	3	a	a	DET
gujaf-379	119	4	compelling	compelling	ADJ
gujaf-379	119	5	theoretical	theoretical	ADJ
gujaf-379	119	6	framework	framework	NOUN
gujaf-379	119	7	for	for	ADP
gujaf-379	119	8	the	the	DET
gujaf-379	119	9	study	study	NOUN
gujaf-379	119	10	is	be	AUX
gujaf-379	119	11	constructed	construct	VERB
gujaf-379	119	12	by	by	ADP
gujaf-379	119	13	integrating	integrate	VERB
gujaf-379	119	14	prospect	prospect	NOUN
gujaf-379	119	15	theory	theory	NOUN
gujaf-379	119	16	(	(	PUNCT
gujaf-379	119	17	kahneman	kahneman	PROPN
gujaf-379	119	18	&	&	CCONJ
gujaf-379	119	19	tversky	tversky	PROPN
gujaf-379	119	20	,	,	PUNCT
gujaf-379	119	21	1979	1979	NUM
gujaf-379	119	22	)	)	PUNCT
gujaf-379	119	23	with	with	ADP
gujaf-379	119	24	social	social	ADJ
gujaf-379	119	25	cognitive	cognitive	ADJ
gujaf-379	119	26	theory	theory	NOUN
gujaf-379	119	27	(	(	PUNCT
gujaf-379	119	28	bandura	bandura	NOUN
gujaf-379	119	29	,	,	PUNCT
gujaf-379	119	30	1986	1986	NUM
gujaf-379	119	31	)	)	PUNCT
gujaf-379	119	32	to	to	PART
gujaf-379	119	33	explain	explain	VERB
gujaf-379	119	34	how	how	SCONJ
gujaf-379	119	35	financial	financial	ADJ
gujaf-379	119	36	literacy	literacy	NOUN
gujaf-379	119	37	moderates	moderate	VERB
gujaf-379	119	38	the	the	DET
gujaf-379	119	39	relationship	relationship	NOUN
gujaf-379	119	40	between	between	ADP
gujaf-379	119	41	risk	risk	NOUN
gujaf-379	119	42	tolerance	tolerance	NOUN
gujaf-379	119	43	and	and	CCONJ
gujaf-379	119	44	investment	investment	NOUN
gujaf-379	119	45	decisions	decision	NOUN
gujaf-379	119	46	among	among	ADP
gujaf-379	119	47	zamfara	zamfara	PROPN
gujaf-379	119	48	smes	smes	PROPN
gujaf-379	119	49	.	.	PUNCT
gujaf-379	120	1	prospect	prospect	PROPN
gujaf-379	120	2	theory	theory	NOUN
gujaf-379	120	3	,	,	PUNCT
gujaf-379	120	4	developed	develop	VERB
gujaf-379	120	5	by	by	ADP
gujaf-379	120	6	nobel	nobel	PROPN
gujaf-379	120	7	laureates	laureates	PROPN
gujaf-379	120	8	daniel	daniel	PROPN
gujaf-379	120	9	kahneman	kahneman	PROPN
gujaf-379	120	10	and	and	CCONJ
gujaf-379	120	11	amos	amos	PROPN
gujaf-379	120	12	tversky	tversky	PROPN
gujaf-379	120	13	,	,	PUNCT
gujaf-379	120	14	posits	posit	NOUN
gujaf-379	120	15	that	that	PRON
gujaf-379	120	16	individuals	individual	NOUN
gujaf-379	120	17	evaluate	evaluate	VERB
gujaf-379	120	18	financial	financial	ADJ
gujaf-379	120	19	decisions	decision	NOUN
gujaf-379	120	20	based	base	VERB
gujaf-379	120	21	on	on	ADP
gujaf-379	120	22	potential	potential	ADJ
gujaf-379	120	23	gains	gain	NOUN
gujaf-379	120	24	and	and	CCONJ
gujaf-379	120	25	losses	loss	NOUN
gujaf-379	120	26	relative	relative	ADJ
gujaf-379	120	27	to	to	ADP
gujaf-379	120	28	a	a	DET
gujaf-379	120	29	reference	reference	NOUN
gujaf-379	120	30	point	point	NOUN
gujaf-379	120	31	(	(	PUNCT
gujaf-379	120	32	often	often	ADV
gujaf-379	120	33	the	the	DET
gujaf-379	120	34	status	status	NOUN
gujaf-379	120	35	quo	quo	NOUN
gujaf-379	120	36	)	)	PUNCT
gujaf-379	120	37	,	,	PUNCT
gujaf-379	120	38	exhibit	exhibit	VERB
gujaf-379	120	39	loss	loss	NOUN
gujaf-379	120	40	aversion	aversion	NOUN
gujaf-379	120	41	(	(	PUNCT
gujaf-379	120	42	where	where	SCONJ
gujaf-379	120	43	losses	loss	NOUN
gujaf-379	120	44	loom	loom	VERB
gujaf-379	120	45	larger	large	ADJ
gujaf-379	120	46	than	than	ADP
gujaf-379	120	47	equivalent	equivalent	ADJ
gujaf-379	120	48	gains	gain	NOUN
gujaf-379	120	49	)	)	PUNCT
gujaf-379	120	50	,	,	PUNCT
gujaf-379	120	51	and	and	CCONJ
gujaf-379	120	52	rely	rely	VERB
gujaf-379	120	53	on	on	ADP
gujaf-379	120	54	mental	mental	ADJ
gujaf-379	120	55	shortcuts	shortcut	NOUN
gujaf-379	120	56	(	(	PUNCT
gujaf-379	120	57	heuristics	heuristic	NOUN
gujaf-379	120	58	)	)	PUNCT
gujaf-379	120	59	in	in	ADP
gujaf-379	120	60	uncertain	uncertain	ADJ
gujaf-379	120	61	environments	environment	NOUN
gujaf-379	120	62	.	.	PUNCT
gujaf-379	121	1	these	these	DET
gujaf-379	121	2	assumptions	assumption	NOUN
gujaf-379	121	3	align	align	VERB
gujaf-379	121	4	perfectly	perfectly	ADV
gujaf-379	121	5	with	with	ADP
gujaf-379	121	6	the	the	DET
gujaf-379	121	7	observed	observe	VERB
gujaf-379	121	8	behavior	behavior	NOUN
gujaf-379	121	9	of	of	ADP
gujaf-379	121	10	zamfara	zamfara	PROPN
gujaf-379	121	11	sme	sme	PROPN
gujaf-379	121	12	owners	owner	NOUN
gujaf-379	121	13	who	who	PRON
gujaf-379	121	14	prioritize	prioritize	VERB
gujaf-379	121	15	loss	loss	NOUN
gujaf-379	121	16	avoidance	avoidance	NOUN
gujaf-379	121	17	over	over	ADP
gujaf-379	121	18	growth	growth	NOUN
gujaf-379	121	19	opportunities	opportunity	NOUN
gujaf-379	121	20	,	,	PUNCT
gujaf-379	121	21	particularly	particularly	ADV
gujaf-379	121	22	in	in	ADP
gujaf-379	121	23	the	the	DET
gujaf-379	121	24	state	state	NOUN
gujaf-379	121	25	's	's	PART
gujaf-379	121	26	volatile	volatile	ADJ
gujaf-379	121	27	economic	economic	ADJ
gujaf-379	121	28	and	and	CCONJ
gujaf-379	121	29	security	security	NOUN
gujaf-379	121	30	climate	climate	NOUN
gujaf-379	121	31	.	.	PUNCT
gujaf-379	122	1	however	however	ADV
gujaf-379	122	2	,	,	PUNCT
gujaf-379	122	3	prospect	prospect	NOUN
gujaf-379	122	4	theory	theory	NOUN
gujaf-379	122	5	alone	alone	ADV
gujaf-379	122	6	can	can	AUX
gujaf-379	122	7	not	not	PART
gujaf-379	122	8	fully	fully	ADV
gujaf-379	122	9	explain	explain	VERB
gujaf-379	122	10	how	how	SCONJ
gujaf-379	122	11	financial	financial	ADJ
gujaf-379	122	12	literacy	literacy	NOUN
gujaf-379	122	13	transforms	transform	VERB
gujaf-379	122	14	these	these	DET
gujaf-379	122	15	risk	risk	NOUN
gujaf-379	122	16	perceptions	perception	NOUN
gujaf-379	122	17	.	.	PUNCT
gujaf-379	123	1	this	this	PRON
gujaf-379	123	2	is	be	AUX
gujaf-379	123	3	where	where	SCONJ
gujaf-379	123	4	bandura	bandura	NOUN
gujaf-379	123	5	's	's	PART
gujaf-379	123	6	social	social	ADJ
gujaf-379	123	7	cognitive	cognitive	ADJ
gujaf-379	123	8	theory	theory	NOUN
gujaf-379	123	9	provides	provide	VERB
gujaf-379	123	10	critical	critical	ADJ
gujaf-379	123	11	complementary	complementary	ADJ
gujaf-379	123	12	information	information	NOUN
gujaf-379	123	13	.	.	PUNCT
gujaf-379	124	1	bandura	bandura	NOUN
gujaf-379	124	2	's	's	PART
gujaf-379	124	3	theory	theory	NOUN
gujaf-379	124	4	emphasizes	emphasize	VERB
gujaf-379	124	5	triadic	triadic	ADJ
gujaf-379	124	6	reciprocity	reciprocity	NOUN
gujaf-379	124	7	between	between	ADP
gujaf-379	124	8	personal	personal	ADJ
gujaf-379	124	9	factors	factor	NOUN
gujaf-379	124	10	(	(	PUNCT
gujaf-379	124	11	like	like	ADP
gujaf-379	124	12	financial	financial	ADJ
gujaf-379	124	13	knowledge	knowledge	NOUN
gujaf-379	124	14	)	)	PUNCT
gujaf-379	124	15	,	,	PUNCT
gujaf-379	124	16	environmental	environmental	ADJ
gujaf-379	124	17	influences	influence	NOUN
gujaf-379	124	18	(	(	PUNCT
gujaf-379	124	19	such	such	ADJ
gujaf-379	124	20	as	as	ADP
gujaf-379	124	21	islamic	islamic	ADJ
gujaf-379	124	22	finance	finance	NOUN
gujaf-379	124	23	norms	norm	NOUN
gujaf-379	124	24	and	and	CCONJ
gujaf-379	124	25	insecurity	insecurity	NOUN
gujaf-379	124	26	)	)	PUNCT
gujaf-379	124	27	,	,	PUNCT
gujaf-379	124	28	and	and	CCONJ
gujaf-379	124	29	behavioral	behavioral	ADJ
gujaf-379	124	30	outcomes	outcome	NOUN
gujaf-379	124	31	(	(	PUNCT
gujaf-379	124	32	investment	investment	NOUN
gujaf-379	124	33	decisions	decision	NOUN
gujaf-379	124	34	)	)	PUNCT
gujaf-379	124	35	,	,	PUNCT
gujaf-379	124	36	with	with	ADP
gujaf-379	124	37	self	self	NOUN
gujaf-379	124	38	-	-	PUNCT
gujaf-379	124	39	efficacy	efficacy	NOUN
gujaf-379	124	40	(	(	PUNCT
gujaf-379	124	41	confidence	confidence	NOUN
gujaf-379	124	42	in	in	ADP
gujaf-379	124	43	one	one	NUM
gujaf-379	124	44	's	's	PART
gujaf-379	124	45	financial	financial	ADJ
gujaf-379	124	46	capabilities	capability	NOUN
gujaf-379	124	47	)	)	PUNCT
gujaf-379	124	48	acting	act	VERB
gujaf-379	124	49	as	as	ADP
gujaf-379	124	50	a	a	DET
gujaf-379	124	51	key	key	ADJ
gujaf-379	124	52	mediator	mediator	NOUN
gujaf-379	124	53	.	.	PUNCT
gujaf-379	125	1	gusau	gusau	PROPN
gujaf-379	125	2	journal	journal	PROPN
gujaf-379	125	3	of	of	ADP
gujaf-379	125	4	accounting	accounting	NOUN
gujaf-379	125	5	and	and	CCONJ
gujaf-379	125	6	finance	finance	NOUN
gujaf-379	125	7	,	,	PUNCT
gujaf-379	125	8	vol.6	vol.6	PROPN
gujaf-379	125	9	,	,	PUNCT
gujaf-379	125	10	issue	issue	NOUN
gujaf-379	125	11	1	1	NUM
gujaf-379	125	12	,	,	PUNCT
gujaf-379	125	13	april	april	PROPN
gujaf-379	125	14	,	,	PUNCT
gujaf-379	125	15	2025	2025	NUM
gujaf-379	125	16	209	209	NUM
gujaf-379	125	17	the	the	DET
gujaf-379	125	18	integrated	integrate	VERB
gujaf-379	125	19	prospect	prospect	NOUN
gujaf-379	125	20	-	-	PUNCT
gujaf-379	125	21	social	social	ADJ
gujaf-379	125	22	cognitive	cognitive	ADJ
gujaf-379	125	23	framework	framework	NOUN
gujaf-379	125	24	proposed	propose	VERB
gujaf-379	125	25	here	here	ADV
gujaf-379	125	26	makes	make	VERB
gujaf-379	125	27	four	four	NUM
gujaf-379	125	28	novel	novel	ADJ
gujaf-379	125	29	contributions	contribution	NOUN
gujaf-379	125	30	:	:	PUNCT
gujaf-379	125	31	first	first	ADV
gujaf-379	125	32	,	,	PUNCT
gujaf-379	125	33	it	it	PRON
gujaf-379	125	34	acknowledges	acknowledge	VERB
gujaf-379	125	35	that	that	SCONJ
gujaf-379	125	36	zamfara	zamfara	PROPN
gujaf-379	125	37	sme	sme	PROPN
gujaf-379	125	38	owners	owner	NOUN
gujaf-379	125	39	,	,	PUNCT
gujaf-379	125	40	like	like	ADP
gujaf-379	125	41	all	all	DET
gujaf-379	125	42	decision	decision	NOUN
gujaf-379	125	43	-	-	PUNCT
gujaf-379	125	44	makers	maker	NOUN
gujaf-379	125	45	in	in	ADP
gujaf-379	125	46	prospect	prospect	NOUN
gujaf-379	125	47	theory	theory	NOUN
gujaf-379	125	48	,	,	PUNCT
gujaf-379	125	49	are	be	AUX
gujaf-379	125	50	psychologically	psychologically	ADV
gujaf-379	125	51	wired	wire	VERB
gujaf-379	125	52	to	to	PART
gujaf-379	125	53	overweight	overweight	VERB
gujaf-379	125	54	potential	potential	ADJ
gujaf-379	125	55	losses	loss	NOUN
gujaf-379	125	56	but	but	CCONJ
gujaf-379	125	57	adds	add	VERB
gujaf-379	125	58	that	that	SCONJ
gujaf-379	125	59	financial	financial	ADJ
gujaf-379	125	60	literacy	literacy	NOUN
gujaf-379	125	61	can	can	AUX
gujaf-379	125	62	recalibrate	recalibrate	VERB
gujaf-379	125	63	their	their	PRON
gujaf-379	125	64	reference	reference	NOUN
gujaf-379	125	65	points	point	NOUN
gujaf-379	125	66	by	by	ADP
gujaf-379	125	67	providing	provide	VERB
gujaf-379	125	68	tools	tool	NOUN
gujaf-379	125	69	to	to	PART
gujaf-379	125	70	accurately	accurately	ADV
gujaf-379	125	71	assess	assess	VERB
gujaf-379	125	72	risk	risk	NOUN
gujaf-379	125	73	probabilities	probability	NOUN
gujaf-379	125	74	.	.	PUNCT
gujaf-379	126	1	second	second	ADJ
gujaf-379	126	2	,	,	PUNCT
gujaf-379	126	3	it	it	PRON
gujaf-379	126	4	incorporates	incorporate	VERB
gujaf-379	126	5	bandura	bandura	NOUN
gujaf-379	126	6	's	's	PART
gujaf-379	126	7	concept	concept	NOUN
gujaf-379	126	8	of	of	ADP
gujaf-379	126	9	self	self	NOUN
gujaf-379	126	10	-	-	PUNCT
gujaf-379	126	11	efficacy	efficacy	NOUN
gujaf-379	126	12	to	to	PART
gujaf-379	126	13	explain	explain	VERB
gujaf-379	126	14	how	how	SCONJ
gujaf-379	126	15	financial	financial	ADJ
gujaf-379	126	16	literacy	literacy	NOUN
gujaf-379	126	17	builds	build	VERB
gujaf-379	126	18	entrepreneurs	entrepreneur	NOUN
gujaf-379	126	19	'	'	PART
gujaf-379	126	20	confidence	confidence	NOUN
gujaf-379	126	21	to	to	PART
gujaf-379	126	22	implement	implement	VERB
gujaf-379	126	23	risk	risk	NOUN
gujaf-379	126	24	-	-	PUNCT
gujaf-379	126	25	tolerant	tolerant	ADJ
gujaf-379	126	26	strategies	strategy	NOUN
gujaf-379	126	27	they	they	PRON
gujaf-379	126	28	might	might	AUX
gujaf-379	126	29	otherwise	otherwise	ADV
gujaf-379	126	30	avoid	avoid	VERB
gujaf-379	126	31	.	.	PUNCT
gujaf-379	127	1	third	third	ADJ
gujaf-379	127	2	,	,	PUNCT
gujaf-379	127	3	it	it	PRON
gujaf-379	127	4	accounts	account	VERB
gujaf-379	127	5	for	for	ADP
gujaf-379	127	6	the	the	DET
gujaf-379	127	7	social	social	ADJ
gujaf-379	127	8	embeddedness	embeddedness	NOUN
gujaf-379	127	9	of	of	ADP
gujaf-379	127	10	financial	financial	ADJ
gujaf-379	127	11	decisions	decision	NOUN
gujaf-379	127	12	in	in	ADP
gujaf-379	127	13	zamfara	zamfara	PROPN
gujaf-379	127	14	's	's	PART
gujaf-379	127	15	context	context	NOUN
gujaf-379	127	16	,	,	PUNCT
gujaf-379	127	17	where	where	SCONJ
gujaf-379	127	18	islamic	islamic	ADJ
gujaf-379	127	19	finance	finance	NOUN
gujaf-379	127	20	principles	principle	NOUN
gujaf-379	127	21	and	and	CCONJ
gujaf-379	127	22	community	community	NOUN
gujaf-379	127	23	risk	risk	NOUN
gujaf-379	127	24	-	-	PUNCT
gujaf-379	127	25	sharing	share	VERB
gujaf-379	127	26	traditions	tradition	NOUN
gujaf-379	127	27	interact	interact	VERB
gujaf-379	127	28	with	with	ADP
gujaf-379	127	29	formal	formal	ADJ
gujaf-379	127	30	financial	financial	ADJ
gujaf-379	127	31	knowledge	knowledge	NOUN
gujaf-379	127	32	.	.	PUNCT
gujaf-379	128	1	finally	finally	ADV
gujaf-379	128	2	,	,	PUNCT
gujaf-379	128	3	the	the	DET
gujaf-379	128	4	framework	framework	NOUN
gujaf-379	128	5	uniquely	uniquely	ADV
gujaf-379	128	6	positions	position	VERB
gujaf-379	128	7	financial	financial	ADJ
gujaf-379	128	8	literacy	literacy	NOUN
gujaf-379	128	9	as	as	ADP
gujaf-379	128	10	both	both	CCONJ
gujaf-379	128	11	a	a	DET
gujaf-379	128	12	moderator	moderator	NOUN
gujaf-379	128	13	(	(	PUNCT
gujaf-379	128	14	adjusting	adjust	VERB
gujaf-379	128	15	the	the	DET
gujaf-379	128	16	risk	risk	NOUN
gujaf-379	128	17	tolerance	tolerance	NOUN
gujaf-379	128	18	-	-	PUNCT
gujaf-379	128	19	investment	investment	NOUN
gujaf-379	128	20	relationship	relationship	NOUN
gujaf-379	128	21	)	)	PUNCT
gujaf-379	128	22	and	and	CCONJ
gujaf-379	128	23	mediator	mediator	NOUN
gujaf-379	128	24	(	(	PUNCT
gujaf-379	128	25	translating	translate	VERB
gujaf-379	128	26	environmental	environmental	ADJ
gujaf-379	128	27	constraints	constraint	NOUN
gujaf-379	128	28	into	into	ADP
gujaf-379	128	29	actionable	actionable	ADJ
gujaf-379	128	30	strategies	strategy	NOUN
gujaf-379	128	31	)	)	PUNCT
gujaf-379	128	32	,	,	PUNCT
gujaf-379	128	33	addressing	address	VERB
gujaf-379	128	34	a	a	DET
gujaf-379	128	35	key	key	ADJ
gujaf-379	128	36	gap	gap	NOUN
gujaf-379	128	37	in	in	ADP
gujaf-379	128	38	current	current	ADJ
gujaf-379	128	39	sme	sme	PROPN
gujaf-379	128	40	literature	literature	PROPN
gujaf-379	128	41	.	.	PUNCT
gujaf-379	129	1	empirical	empirical	ADJ
gujaf-379	129	2	support	support	NOUN
gujaf-379	129	3	for	for	ADP
gujaf-379	129	4	this	this	DET
gujaf-379	129	5	synthesis	synthesis	NOUN
gujaf-379	129	6	comes	come	VERB
gujaf-379	129	7	from	from	ADP
gujaf-379	129	8	recent	recent	ADJ
gujaf-379	129	9	adaptations	adaptation	NOUN
gujaf-379	129	10	:	:	PUNCT
gujaf-379	129	11	tanaka	tanaka	PROPN
gujaf-379	129	12	et	et	PROPN
gujaf-379	129	13	al	al	PROPN
gujaf-379	129	14	.	.	PROPN
gujaf-379	130	1	(	(	PUNCT
gujaf-379	130	2	2020	2020	NUM
gujaf-379	130	3	)	)	PUNCT
gujaf-379	130	4	demonstrated	demonstrate	VERB
gujaf-379	130	5	how	how	SCONJ
gujaf-379	130	6	financial	financial	ADJ
gujaf-379	130	7	literacy	literacy	NOUN
gujaf-379	130	8	reduces	reduce	VERB
gujaf-379	130	9	loss	loss	NOUN
gujaf-379	130	10	aversion	aversion	NOUN
gujaf-379	130	11	biases	bias	NOUN
gujaf-379	130	12	in	in	ADP
gujaf-379	130	13	line	line	NOUN
gujaf-379	130	14	with	with	ADP
gujaf-379	130	15	prospect	prospect	NOUN
gujaf-379	130	16	theory	theory	NOUN
gujaf-379	130	17	's	's	PART
gujaf-379	130	18	predictions	prediction	NOUN
gujaf-379	130	19	,	,	PUNCT
gujaf-379	130	20	while	while	SCONJ
gujaf-379	130	21	mburu	mburu	NOUN
gujaf-379	130	22	and	and	CCONJ
gujaf-379	130	23	karanja	karanja	PROPN
gujaf-379	130	24	(	(	PUNCT
gujaf-379	130	25	2022	2022	NUM
gujaf-379	130	26	)	)	PUNCT
gujaf-379	130	27	showed	show	VERB
gujaf-379	130	28	that	that	SCONJ
gujaf-379	130	29	digital	digital	ADJ
gujaf-379	130	30	literacy	literacy	NOUN
gujaf-379	130	31	enhances	enhance	VERB
gujaf-379	130	32	financial	financial	ADJ
gujaf-379	130	33	selfefficacy	selfefficacy	NOUN
gujaf-379	130	34	per	per	ADP
gujaf-379	130	35	social	social	ADJ
gujaf-379	130	36	cognitive	cognitive	ADJ
gujaf-379	130	37	theory	theory	NOUN
gujaf-379	130	38	.	.	PUNCT
gujaf-379	131	1	the	the	DET
gujaf-379	131	2	framework	framework	NOUN
gujaf-379	131	3	's	's	PART
gujaf-379	131	4	assumptions	assumption	NOUN
gujaf-379	131	5	are	be	AUX
gujaf-379	131	6	particularly	particularly	ADV
gujaf-379	131	7	relevant	relevant	ADJ
gujaf-379	131	8	for	for	ADP
gujaf-379	131	9	zamfara	zamfara	PROPN
gujaf-379	131	10	:	:	PUNCT
gujaf-379	131	11	sme	sme	PROPN
gujaf-379	131	12	owners	owner	NOUN
gujaf-379	131	13	'	'	PART
gujaf-379	131	14	reference	reference	NOUN
gujaf-379	131	15	points	point	NOUN
gujaf-379	131	16	are	be	AUX
gujaf-379	131	17	shaped	shape	VERB
gujaf-379	131	18	by	by	ADP
gujaf-379	131	19	survival	survival	NOUN
gujaf-379	131	20	needs	need	NOUN
gujaf-379	131	21	rather	rather	ADV
gujaf-379	131	22	than	than	ADP
gujaf-379	131	23	growth	growth	NOUN
gujaf-379	131	24	aspirations	aspiration	NOUN
gujaf-379	131	25	,	,	PUNCT
gujaf-379	131	26	their	their	PRON
gujaf-379	131	27	risk	risk	NOUN
gujaf-379	131	28	assessments	assessment	NOUN
gujaf-379	131	29	incorporate	incorporate	VERB
gujaf-379	131	30	unique	unique	ADJ
gujaf-379	131	31	local	local	ADJ
gujaf-379	131	32	factors	factor	NOUN
gujaf-379	131	33	like	like	ADP
gujaf-379	131	34	kidnapping	kidnap	VERB
gujaf-379	131	35	threats	threat	NOUN
gujaf-379	131	36	to	to	PART
gujaf-379	131	37	supply	supply	NOUN
gujaf-379	131	38	chains	chain	NOUN
gujaf-379	131	39	,	,	PUNCT
gujaf-379	131	40	and	and	CCONJ
gujaf-379	131	41	islamic	islamic	ADJ
gujaf-379	131	42	financial	financial	ADJ
gujaf-379	131	43	literacy	literacy	NOUN
gujaf-379	131	44	provides	provide	VERB
gujaf-379	131	45	culturally	culturally	ADV
gujaf-379	131	46	sanctioned	sanction	VERB
gujaf-379	131	47	risk	risk	NOUN
gujaf-379	131	48	-	-	PUNCT
gujaf-379	131	49	management	management	NOUN
gujaf-379	131	50	tools	tool	NOUN
gujaf-379	131	51	absent	absent	ADJ
gujaf-379	131	52	in	in	ADP
gujaf-379	131	53	conventional	conventional	ADJ
gujaf-379	131	54	models	model	NOUN
gujaf-379	131	55	.	.	PUNCT
gujaf-379	132	1	by	by	ADP
gujaf-379	132	2	adopting	adopt	VERB
gujaf-379	132	3	this	this	DET
gujaf-379	132	4	integrated	integrate	VERB
gujaf-379	132	5	theory	theory	NOUN
gujaf-379	132	6	,	,	PUNCT
gujaf-379	132	7	the	the	DET
gujaf-379	132	8	study	study	NOUN
gujaf-379	132	9	moves	move	VERB
gujaf-379	132	10	beyond	beyond	ADP
gujaf-379	132	11	western	western	ADJ
gujaf-379	132	12	-	-	PUNCT
gujaf-379	132	13	centric	centric	ADJ
gujaf-379	132	14	models	model	NOUN
gujaf-379	132	15	criticized	criticize	VERB
gujaf-379	132	16	by	by	ADP
gujaf-379	132	17	oecd	oecd	PROPN
gujaf-379	132	18	(	(	PUNCT
gujaf-379	132	19	2022	2022	NUM
gujaf-379	132	20	)	)	PUNCT
gujaf-379	132	21	while	while	SCONJ
gujaf-379	132	22	providing	provide	VERB
gujaf-379	132	23	actionable	actionable	ADJ
gujaf-379	132	24	information	information	NOUN
gujaf-379	132	25	,	,	PUNCT
gujaf-379	132	26	for	for	ADP
gujaf-379	132	27	instance	instance	NOUN
gujaf-379	132	28	,	,	PUNCT
gujaf-379	132	29	suggesting	suggest	VERB
gujaf-379	132	30	that	that	SCONJ
gujaf-379	132	31	financial	financial	ADJ
gujaf-379	132	32	training	training	NOUN
gujaf-379	132	33	programs	program	NOUN
gujaf-379	132	34	for	for	ADP
gujaf-379	132	35	zamfara	zamfara	PROPN
gujaf-379	132	36	smes	smes	PROPN
gujaf-379	132	37	should	should	AUX
gujaf-379	132	38	combine	combine	VERB
gujaf-379	132	39	prospect	prospect	NOUN
gujaf-379	132	40	theory	theory	NOUN
gujaf-379	132	41	's	's	PART
gujaf-379	132	42	behavioral	behavioral	ADJ
gujaf-379	132	43	nudges	nudge	NOUN
gujaf-379	132	44	(	(	PUNCT
gujaf-379	132	45	reframing	reframe	VERB
gujaf-379	132	46	loss	loss	NOUN
gujaf-379	132	47	perceptions	perception	NOUN
gujaf-379	132	48	)	)	PUNCT
gujaf-379	132	49	with	with	ADP
gujaf-379	132	50	social	social	ADJ
gujaf-379	132	51	cognitive	cognitive	ADJ
gujaf-379	132	52	theory	theory	NOUN
gujaf-379	132	53	's	's	PART
gujaf-379	132	54	mastery	mastery	ADJ
gujaf-379	132	55	experiences	experience	NOUN
gujaf-379	132	56	(	(	PUNCT
gujaf-379	132	57	hands	hand	NOUN
gujaf-379	132	58	-	-	PUNCT
gujaf-379	132	59	on	on	ADP
gujaf-379	132	60	investment	investment	NOUN
gujaf-379	132	61	simulations	simulation	NOUN
gujaf-379	132	62	)	)	PUNCT
gujaf-379	132	63	.	.	PUNCT
gujaf-379	133	1	this	this	DET
gujaf-379	133	2	theoretical	theoretical	ADJ
gujaf-379	133	3	innovation	innovation	NOUN
gujaf-379	133	4	not	not	PART
gujaf-379	133	5	only	only	ADV
gujaf-379	133	6	explains	explain	VERB
gujaf-379	133	7	the	the	DET
gujaf-379	133	8	mechanics	mechanic	NOUN
gujaf-379	133	9	of	of	ADP
gujaf-379	133	10	financial	financial	ADJ
gujaf-379	133	11	literacy	literacy	NOUN
gujaf-379	133	12	's	's	PART
gujaf-379	133	13	moderating	moderate	VERB
gujaf-379	133	14	role	role	NOUN
gujaf-379	133	15	but	but	CCONJ
gujaf-379	133	16	also	also	ADV
gujaf-379	133	17	guides	guide	VERB
gujaf-379	133	18	the	the	DET
gujaf-379	133	19	development	development	NOUN
gujaf-379	133	20	of	of	ADP
gujaf-379	133	21	contextsensitive	contextsensitive	ADJ
gujaf-379	133	22	interventions	intervention	NOUN
gujaf-379	133	23	to	to	PART
gujaf-379	133	24	unlock	unlock	VERB
gujaf-379	133	25	zamfara	zamfara	PROPN
gujaf-379	133	26	's	's	PART
gujaf-379	133	27	sme	sme	NOUN
gujaf-379	133	28	potential	potential	NOUN
gujaf-379	133	29	.	.	PUNCT
gujaf-379	134	1	3.0	3.0	NUM
gujaf-379	134	2	methodology	methodology	NOUN
gujaf-379	134	3	the	the	DET
gujaf-379	134	4	study	study	NOUN
gujaf-379	134	5	employed	employ	VERB
gujaf-379	134	6	a	a	DET
gujaf-379	134	7	quantitative	quantitative	ADJ
gujaf-379	134	8	research	research	NOUN
gujaf-379	134	9	approach	approach	NOUN
gujaf-379	134	10	,	,	PUNCT
gujaf-379	134	11	utilizing	utilize	VERB
gujaf-379	134	12	a	a	DET
gujaf-379	134	13	structured	structured	ADJ
gujaf-379	134	14	survey	survey	NOUN
gujaf-379	134	15	design	design	NOUN
gujaf-379	134	16	to	to	PART
gujaf-379	134	17	systematically	systematically	ADV
gujaf-379	134	18	investigate	investigate	VERB
gujaf-379	134	19	the	the	DET
gujaf-379	134	20	relationship	relationship	NOUN
gujaf-379	134	21	between	between	ADP
gujaf-379	134	22	financial	financial	ADJ
gujaf-379	134	23	risk	risk	NOUN
gujaf-379	134	24	tolerance	tolerance	NOUN
gujaf-379	134	25	and	and	CCONJ
gujaf-379	134	26	investment	investment	NOUN
gujaf-379	134	27	decisions	decision	NOUN
gujaf-379	134	28	among	among	ADP
gujaf-379	134	29	small	small	ADJ
gujaf-379	134	30	and	and	CCONJ
gujaf-379	134	31	medium	medium	ADJ
gujaf-379	134	32	enterprises	enterprise	NOUN
gujaf-379	134	33	(	(	PUNCT
gujaf-379	134	34	smes	sme	NOUN
gujaf-379	134	35	)	)	PUNCT
gujaf-379	134	36	in	in	ADP
gujaf-379	134	37	zamfara	zamfara	PROPN
gujaf-379	134	38	state	state	PROPN
gujaf-379	134	39	,	,	PUNCT
gujaf-379	134	40	nigeria	nigeria	PROPN
gujaf-379	134	41	,	,	PUNCT
gujaf-379	134	42	with	with	ADP
gujaf-379	134	43	particular	particular	ADJ
gujaf-379	134	44	emphasis	emphasis	NOUN
gujaf-379	134	45	on	on	ADP
gujaf-379	134	46	the	the	DET
gujaf-379	134	47	moderating	moderate	VERB
gujaf-379	134	48	role	role	NOUN
gujaf-379	134	49	of	of	ADP
gujaf-379	134	50	financial	financial	ADJ
gujaf-379	134	51	literacy	literacy	NOUN
gujaf-379	134	52	.	.	PUNCT
gujaf-379	135	1	the	the	DET
gujaf-379	135	2	quantitative	quantitative	ADJ
gujaf-379	135	3	survey	survey	NOUN
gujaf-379	135	4	method	method	NOUN
gujaf-379	135	5	was	be	AUX
gujaf-379	135	6	selected	select	VERB
gujaf-379	135	7	for	for	ADP
gujaf-379	135	8	its	its	PRON
gujaf-379	135	9	capacity	capacity	NOUN
gujaf-379	135	10	to	to	PART
gujaf-379	135	11	collect	collect	VERB
gujaf-379	135	12	standardized	standardized	ADJ
gujaf-379	135	13	data	datum	NOUN
gujaf-379	135	14	from	from	ADP
gujaf-379	135	15	a	a	DET
gujaf-379	135	16	large	large	ADJ
gujaf-379	135	17	population	population	NOUN
gujaf-379	135	18	,	,	PUNCT
gujaf-379	135	19	facilitating	facilitate	VERB
gujaf-379	135	20	robust	robust	ADJ
gujaf-379	135	21	statistical	statistical	ADJ
gujaf-379	135	22	analysis	analysis	NOUN
gujaf-379	135	23	and	and	CCONJ
gujaf-379	135	24	generalization	generalization	NOUN
gujaf-379	135	25	of	of	ADP
gujaf-379	135	26	findings	finding	NOUN
gujaf-379	135	27	.	.	PUNCT
gujaf-379	136	1	the	the	DET
gujaf-379	136	2	research	research	NOUN
gujaf-379	136	3	was	be	AUX
gujaf-379	136	4	conducted	conduct	VERB
gujaf-379	136	5	within	within	ADP
gujaf-379	136	6	zamfara	zamfara	PROPN
gujaf-379	136	7	state	state	PROPN
gujaf-379	136	8	's	's	PART
gujaf-379	136	9	dynamic	dynamic	ADJ
gujaf-379	136	10	business	business	NOUN
gujaf-379	136	11	environment	environment	NOUN
gujaf-379	136	12	,	,	PUNCT
gujaf-379	136	13	known	know	VERB
gujaf-379	136	14	for	for	ADP
gujaf-379	136	15	its	its	PRON
gujaf-379	136	16	thriving	thriving	ADJ
gujaf-379	136	17	sme	sme	NOUN
gujaf-379	136	18	sector	sector	NOUN
gujaf-379	136	19	across	across	ADP
gujaf-379	136	20	diverse	diverse	ADJ
gujaf-379	136	21	industries	industry	NOUN
gujaf-379	136	22	including	include	VERB
gujaf-379	136	23	commerce	commerce	PROPN
gujaf-379	136	24	,	,	PUNCT
gujaf-379	136	25	agriculture	agriculture	NOUN
gujaf-379	136	26	,	,	PUNCT
gujaf-379	136	27	services	service	NOUN
gujaf-379	136	28	,	,	PUNCT
gujaf-379	136	29	and	and	CCONJ
gujaf-379	136	30	light	light	ADJ
gujaf-379	136	31	manufacturing	manufacturing	NOUN
gujaf-379	136	32	.	.	PUNCT
gujaf-379	137	1	the	the	DET
gujaf-379	137	2	study	study	NOUN
gujaf-379	137	3	population	population	NOUN
gujaf-379	137	4	comprised	comprise	VERB
gujaf-379	137	5	all	all	DET
gujaf-379	137	6	registered	register	VERB
gujaf-379	137	7	smes	sme	NOUN
gujaf-379	137	8	operating	operate	VERB
gujaf-379	137	9	across	across	ADP
gujaf-379	137	10	zamfara	zamfara	PROPN
gujaf-379	137	11	state	state	NOUN
gujaf-379	137	12	's	's	PART
gujaf-379	137	13	fourteen	fourteen	NUM
gujaf-379	137	14	local	local	ADJ
gujaf-379	137	15	government	government	NOUN
gujaf-379	137	16	areas	area	NOUN
gujaf-379	137	17	(	(	PUNCT
gujaf-379	137	18	lgas	lgas	NOUN
gujaf-379	137	19	)	)	PUNCT
gujaf-379	137	20	.	.	PUNCT
gujaf-379	138	1	according	accord	VERB
gujaf-379	138	2	to	to	ADP
gujaf-379	138	3	updated	update	VERB
gujaf-379	138	4	records	record	NOUN
gujaf-379	138	5	from	from	ADP
gujaf-379	138	6	the	the	DET
gujaf-379	138	7	zamfara	zamfara	PROPN
gujaf-379	138	8	state	state	PROPN
gujaf-379	138	9	ministry	ministry	PROPN
gujaf-379	138	10	of	of	ADP
gujaf-379	138	11	commerce	commerce	PROPN
gujaf-379	138	12	,	,	PUNCT
gujaf-379	138	13	industry	industry	NOUN
gujaf-379	138	14	and	and	CCONJ
gujaf-379	138	15	tourism	tourism	NOUN
gujaf-379	138	16	(	(	PUNCT
gujaf-379	138	17	2024	2024	NUM
gujaf-379	138	18	)	)	PUNCT
gujaf-379	138	19	,	,	PUNCT
gujaf-379	138	20	there	there	PRON
gujaf-379	138	21	were	be	VERB
gujaf-379	138	22	approximately	approximately	ADV
gujaf-379	138	23	4,850	4,850	NUM
gujaf-379	138	24	registered	register	VERB
gujaf-379	138	25	smes	sme	NOUN
gujaf-379	138	26	in	in	ADP
gujaf-379	138	27	the	the	DET
gujaf-379	138	28	state	state	NOUN
gujaf-379	138	29	at	at	ADP
gujaf-379	138	30	the	the	DET
gujaf-379	138	31	time	time	NOUN
gujaf-379	138	32	of	of	ADP
gujaf-379	138	33	research	research	NOUN
gujaf-379	138	34	.	.	PUNCT
gujaf-379	139	1	to	to	PART
gujaf-379	139	2	ensure	ensure	VERB
gujaf-379	139	3	statistical	statistical	ADJ
gujaf-379	139	4	representativeness	representativeness	NOUN
gujaf-379	139	5	,	,	PUNCT
gujaf-379	139	6	krejcie	krejcie	NOUN
gujaf-379	139	7	and	and	CCONJ
gujaf-379	139	8	morgan	morgan	PROPN
gujaf-379	139	9	's	's	PART
gujaf-379	139	10	(	(	PUNCT
gujaf-379	139	11	1970	1970	NUM
gujaf-379	139	12	)	)	PUNCT
gujaf-379	139	13	sample	sample	NOUN
gujaf-379	139	14	size	size	NOUN
gujaf-379	139	15	determination	determination	NOUN
gujaf-379	139	16	formula	formula	NOUN
gujaf-379	139	17	was	be	AUX
gujaf-379	139	18	applied	apply	VERB
gujaf-379	139	19	.	.	PUNCT
gujaf-379	140	1	for	for	ADP
gujaf-379	140	2	this	this	DET
gujaf-379	140	3	population	population	NOUN
gujaf-379	140	4	size	size	NOUN
gujaf-379	140	5	,	,	PUNCT
gujaf-379	140	6	the	the	DET
gujaf-379	140	7	formula	formula	NOUN
gujaf-379	140	8	recommended	recommend	VERB
gujaf-379	140	9	a	a	DET
gujaf-379	140	10	minimum	minimum	ADJ
gujaf-379	140	11	sample	sample	NOUN
gujaf-379	140	12	of	of	ADP
gujaf-379	140	13	357	357	NUM
gujaf-379	140	14	respondents	respondent	NOUN
gujaf-379	140	15	.	.	PUNCT
gujaf-379	141	1	however	however	ADV
gujaf-379	141	2	,	,	PUNCT
gujaf-379	141	3	to	to	PART
gujaf-379	141	4	enhance	enhance	VERB
gujaf-379	141	5	the	the	DET
gujaf-379	141	6	study	study	NOUN
gujaf-379	141	7	's	's	PART
gujaf-379	141	8	reliability	reliability	NOUN
gujaf-379	141	9	and	and	CCONJ
gujaf-379	141	10	generalizability	generalizability	NOUN
gujaf-379	141	11	,	,	PUNCT
gujaf-379	141	12	a	a	DET
gujaf-379	141	13	larger	large	ADJ
gujaf-379	141	14	sample	sample	NOUN
gujaf-379	141	15	of	of	ADP
gujaf-379	141	16	500	500	NUM
gujaf-379	141	17	smes	sme	NOUN
gujaf-379	141	18	was	be	AUX
gujaf-379	141	19	selected	select	VERB
gujaf-379	141	20	.	.	PUNCT
gujaf-379	142	1	the	the	DET
gujaf-379	142	2	sampling	sample	VERB
gujaf-379	142	3	process	process	NOUN
gujaf-379	142	4	employed	employ	VERB
gujaf-379	142	5	a	a	DET
gujaf-379	142	6	multi	multi	ADJ
gujaf-379	142	7	-	-	ADJ
gujaf-379	142	8	stage	stage	NOUN
gujaf-379	142	9	technique	technique	NOUN
gujaf-379	142	10	:	:	PUNCT
gujaf-379	142	11	first	first	ADJ
gujaf-379	142	12	,	,	PUNCT
gujaf-379	142	13	stratified	stratified	ADJ
gujaf-379	142	14	sampling	sample	VERB
gujaf-379	142	15	categorized	categorize	VERB
gujaf-379	142	16	smes	sme	NOUN
gujaf-379	142	17	by	by	ADP
gujaf-379	142	18	sector	sector	NOUN
gujaf-379	142	19	;	;	PUNCT
gujaf-379	142	20	second	second	ADJ
gujaf-379	142	21	,	,	PUNCT
gujaf-379	142	22	gusau	gusau	ADJ
gujaf-379	142	23	journal	journal	NOUN
gujaf-379	142	24	of	of	ADP
gujaf-379	142	25	accounting	accounting	NOUN
gujaf-379	142	26	and	and	CCONJ
gujaf-379	142	27	finance	finance	NOUN
gujaf-379	142	28	,	,	PUNCT
gujaf-379	142	29	vol.6	vol.6	PROPN
gujaf-379	142	30	,	,	PUNCT
gujaf-379	142	31	issue	issue	NOUN
gujaf-379	142	32	1	1	NUM
gujaf-379	142	33	,	,	PUNCT
gujaf-379	142	34	april	april	PROPN
gujaf-379	142	35	,	,	PUNCT
gujaf-379	142	36	2025	2025	NUM
gujaf-379	142	37	210	210	NUM
gujaf-379	142	38	proportionate	proportionate	ADJ
gujaf-379	142	39	sampling	sampling	NOUN
gujaf-379	142	40	ensured	ensure	VERB
gujaf-379	142	41	balanced	balanced	ADJ
gujaf-379	142	42	sectoral	sectoral	ADJ
gujaf-379	142	43	representation	representation	NOUN
gujaf-379	142	44	;	;	PUNCT
gujaf-379	142	45	and	and	CCONJ
gujaf-379	142	46	finally	finally	ADV
gujaf-379	142	47	,	,	PUNCT
gujaf-379	142	48	simple	simple	ADJ
gujaf-379	142	49	random	random	ADJ
gujaf-379	142	50	sampling	sampling	NOUN
gujaf-379	142	51	selected	select	VERB
gujaf-379	142	52	individual	individual	ADJ
gujaf-379	142	53	respondents	respondent	NOUN
gujaf-379	142	54	from	from	ADP
gujaf-379	142	55	each	each	DET
gujaf-379	142	56	stratum	stratum	NOUN
gujaf-379	142	57	.	.	PUNCT
gujaf-379	143	1	primary	primary	ADJ
gujaf-379	143	2	data	datum	NOUN
gujaf-379	143	3	collection	collection	NOUN
gujaf-379	143	4	utilized	utilize	VERB
gujaf-379	143	5	a	a	DET
gujaf-379	143	6	structured	structured	ADJ
gujaf-379	143	7	questionnaire	questionnaire	NOUN
gujaf-379	143	8	capturing	capture	VERB
gujaf-379	143	9	four	four	NUM
gujaf-379	143	10	key	key	ADJ
gujaf-379	143	11	sections	section	NOUN
gujaf-379	143	12	:	:	PUNCT
gujaf-379	143	13	demographic	demographic	ADJ
gujaf-379	143	14	characteristics	characteristic	NOUN
gujaf-379	143	15	,	,	PUNCT
gujaf-379	143	16	financial	financial	ADJ
gujaf-379	143	17	risk	risk	NOUN
gujaf-379	143	18	tolerance	tolerance	NOUN
gujaf-379	143	19	indicators	indicator	NOUN
gujaf-379	143	20	,	,	PUNCT
gujaf-379	143	21	financial	financial	ADJ
gujaf-379	143	22	literacy	literacy	NOUN
gujaf-379	143	23	levels	level	NOUN
gujaf-379	143	24	,	,	PUNCT
gujaf-379	143	25	and	and	CCONJ
gujaf-379	143	26	investment	investment	NOUN
gujaf-379	143	27	decision	decision	NOUN
gujaf-379	143	28	patterns	pattern	NOUN
gujaf-379	143	29	.	.	PUNCT
gujaf-379	144	1	all	all	DET
gujaf-379	144	2	constructs	construct	NOUN
gujaf-379	144	3	were	be	AUX
gujaf-379	144	4	measured	measure	VERB
gujaf-379	144	5	using	use	VERB
gujaf-379	144	6	a	a	DET
gujaf-379	144	7	five	five	NUM
gujaf-379	144	8	-	-	PUNCT
gujaf-379	144	9	point	point	NOUN
gujaf-379	144	10	likert	likert	ADJ
gujaf-379	144	11	scale	scale	NOUN
gujaf-379	144	12	ranging	range	VERB
gujaf-379	144	13	from	from	ADP
gujaf-379	144	14	strongly	strongly	ADV
gujaf-379	144	15	disagree	disagree	VERB
gujaf-379	144	16	(	(	PUNCT
gujaf-379	144	17	1	1	NUM
gujaf-379	144	18	)	)	PUNCT
gujaf-379	144	19	to	to	PART
gujaf-379	144	20	strongly	strongly	ADV
gujaf-379	144	21	agree	agree	VERB
gujaf-379	144	22	(	(	PUNCT
gujaf-379	144	23	5	5	NUM
gujaf-379	144	24	)	)	PUNCT
gujaf-379	144	25	to	to	PART
gujaf-379	144	26	assess	assess	VERB
gujaf-379	144	27	respondents	respondent	NOUN
gujaf-379	144	28	'	'	PART
gujaf-379	144	29	attitudes	attitude	NOUN
gujaf-379	144	30	and	and	CCONJ
gujaf-379	144	31	behaviors	behavior	NOUN
gujaf-379	144	32	.	.	PUNCT
gujaf-379	145	1	questionnaire	questionnaire	NOUN
gujaf-379	145	2	administration	administration	NOUN
gujaf-379	145	3	occurred	occur	VERB
gujaf-379	145	4	through	through	ADP
gujaf-379	145	5	both	both	CCONJ
gujaf-379	145	6	physical	physical	ADJ
gujaf-379	145	7	and	and	CCONJ
gujaf-379	145	8	electronic	electronic	ADJ
gujaf-379	145	9	channels	channel	NOUN
gujaf-379	145	10	by	by	ADP
gujaf-379	145	11	the	the	DET
gujaf-379	145	12	researcher	researcher	NOUN
gujaf-379	145	13	and	and	CCONJ
gujaf-379	145	14	trained	train	VERB
gujaf-379	145	15	assistants	assistant	NOUN
gujaf-379	145	16	across	across	ADP
gujaf-379	145	17	all	all	DET
gujaf-379	145	18	14	14	NUM
gujaf-379	145	19	lgas	lgas	NOUN
gujaf-379	145	20	.	.	PUNCT
gujaf-379	146	1	intensive	intensive	ADJ
gujaf-379	146	2	follow	follow	VERB
gujaf-379	146	3	-	-	PUNCT
gujaf-379	146	4	up	up	ADP
gujaf-379	146	5	procedures	procedure	NOUN
gujaf-379	146	6	yielded	yield	VERB
gujaf-379	146	7	472	472	NUM
gujaf-379	146	8	valid	valid	ADJ
gujaf-379	146	9	responses	response	NOUN
gujaf-379	146	10	from	from	ADP
gujaf-379	146	11	500	500	NUM
gujaf-379	146	12	distributed	distribute	VERB
gujaf-379	146	13	questionnaires	questionnaire	NOUN
gujaf-379	146	14	,	,	PUNCT
gujaf-379	146	15	achieving	achieve	VERB
gujaf-379	146	16	an	an	DET
gujaf-379	146	17	exceptional	exceptional	ADJ
gujaf-379	146	18	94.4	94.4	NUM
gujaf-379	146	19	%	%	NOUN
gujaf-379	146	20	response	response	NOUN
gujaf-379	146	21	rate	rate	NOUN
gujaf-379	146	22	.	.	PUNCT
gujaf-379	147	1	to	to	PART
gujaf-379	147	2	ensure	ensure	VERB
gujaf-379	147	3	instrument	instrument	NOUN
gujaf-379	147	4	validity	validity	NOUN
gujaf-379	147	5	and	and	CCONJ
gujaf-379	147	6	reliability	reliability	NOUN
gujaf-379	147	7	,	,	PUNCT
gujaf-379	147	8	three	three	NUM
gujaf-379	147	9	academic	academic	ADJ
gujaf-379	147	10	experts	expert	NOUN
gujaf-379	147	11	in	in	ADP
gujaf-379	147	12	behavioral	behavioral	ADJ
gujaf-379	147	13	finance	finance	NOUN
gujaf-379	147	14	and	and	CCONJ
gujaf-379	147	15	sme	sme	PROPN
gujaf-379	147	16	development	development	PROPN
gujaf-379	147	17	evaluated	evaluate	VERB
gujaf-379	147	18	the	the	DET
gujaf-379	147	19	questionnaire	questionnaire	NOUN
gujaf-379	147	20	for	for	ADP
gujaf-379	147	21	content	content	NOUN
gujaf-379	147	22	validity	validity	NOUN
gujaf-379	147	23	,	,	PUNCT
gujaf-379	147	24	leading	lead	VERB
gujaf-379	147	25	to	to	ADP
gujaf-379	147	26	refinements	refinement	NOUN
gujaf-379	147	27	for	for	ADP
gujaf-379	147	28	clarity	clarity	NOUN
gujaf-379	147	29	,	,	PUNCT
gujaf-379	147	30	relevance	relevance	NOUN
gujaf-379	147	31	,	,	PUNCT
gujaf-379	147	32	and	and	CCONJ
gujaf-379	147	33	alignment	alignment	NOUN
gujaf-379	147	34	with	with	ADP
gujaf-379	147	35	study	study	NOUN
gujaf-379	147	36	objectives	objective	NOUN
gujaf-379	147	37	.	.	PUNCT
gujaf-379	148	1	a	a	DET
gujaf-379	148	2	pilot	pilot	NOUN
gujaf-379	148	3	study	study	NOUN
gujaf-379	148	4	involving	involve	VERB
gujaf-379	148	5	40	40	NUM
gujaf-379	148	6	zamfara	zamfara	PROPN
gujaf-379	148	7	sme	sme	PROPN
gujaf-379	148	8	operators	operators	PROPN
gujaf-379	148	9	tested	test	VERB
gujaf-379	148	10	the	the	DET
gujaf-379	148	11	instrument	instrument	NOUN
gujaf-379	148	12	's	's	PART
gujaf-379	148	13	practicality	practicality	NOUN
gujaf-379	148	14	.	.	PUNCT
gujaf-379	149	1	cronbach	cronbach	PROPN
gujaf-379	149	2	's	's	PART
gujaf-379	149	3	alpha	alpha	NOUN
gujaf-379	149	4	reliability	reliability	NOUN
gujaf-379	149	5	coefficients	coefficient	NOUN
gujaf-379	149	6	exceeded	exceed	VERB
gujaf-379	149	7	the	the	DET
gujaf-379	149	8	0.70	0.70	NUM
gujaf-379	149	9	threshold	threshold	NOUN
gujaf-379	149	10	,	,	PUNCT
gujaf-379	149	11	with	with	ADP
gujaf-379	149	12	scores	score	NOUN
gujaf-379	149	13	of	of	ADP
gujaf-379	149	14	0.87	0.87	NUM
gujaf-379	149	15	for	for	ADP
gujaf-379	149	16	financial	financial	ADJ
gujaf-379	149	17	risk	risk	NOUN
gujaf-379	149	18	tolerance	tolerance	NOUN
gujaf-379	149	19	,	,	PUNCT
gujaf-379	149	20	0.82	0.82	NUM
gujaf-379	149	21	for	for	ADP
gujaf-379	149	22	financial	financial	ADJ
gujaf-379	149	23	literacy	literacy	NOUN
gujaf-379	149	24	,	,	PUNCT
gujaf-379	149	25	and	and	CCONJ
gujaf-379	149	26	0.89	0.89	NUM
gujaf-379	149	27	for	for	ADP
gujaf-379	149	28	investment	investment	NOUN
gujaf-379	149	29	decisions	decision	NOUN
gujaf-379	149	30	,	,	PUNCT
gujaf-379	149	31	confirming	confirm	VERB
gujaf-379	149	32	strong	strong	ADJ
gujaf-379	149	33	internal	internal	ADJ
gujaf-379	149	34	consistency	consistency	NOUN
gujaf-379	149	35	.	.	PUNCT
gujaf-379	150	1	variable	variable	ADJ
gujaf-379	150	2	operationalization	operationalization	NOUN
gujaf-379	150	3	followed	follow	VERB
gujaf-379	150	4	established	establish	VERB
gujaf-379	150	5	theoretical	theoretical	ADJ
gujaf-379	150	6	foundations	foundation	NOUN
gujaf-379	150	7	with	with	ADP
gujaf-379	150	8	clear	clear	ADJ
gujaf-379	150	9	measurement	measurement	NOUN
gujaf-379	150	10	indicators	indicator	NOUN
gujaf-379	150	11	.	.	PUNCT
gujaf-379	151	1	financial	financial	ADJ
gujaf-379	151	2	risk	risk	NOUN
gujaf-379	151	3	tolerance	tolerance	NOUN
gujaf-379	151	4	(	(	PUNCT
gujaf-379	151	5	independent	independent	ADJ
gujaf-379	151	6	variable	variable	NOUN
gujaf-379	151	7	)	)	PUNCT
gujaf-379	151	8	was	be	AUX
gujaf-379	151	9	operationalized	operationalize	VERB
gujaf-379	151	10	through	through	ADP
gujaf-379	151	11	risk	risk	NOUN
gujaf-379	151	12	propensity	propensity	NOUN
gujaf-379	151	13	(	(	PUNCT
gujaf-379	151	14	willingness	willingness	NOUN
gujaf-379	151	15	to	to	PART
gujaf-379	151	16	undertake	undertake	VERB
gujaf-379	151	17	uncertain	uncertain	ADJ
gujaf-379	151	18	investments	investment	NOUN
gujaf-379	151	19	)	)	PUNCT
gujaf-379	151	20	,	,	PUNCT
gujaf-379	151	21	loss	loss	NOUN
gujaf-379	151	22	aversion	aversion	NOUN
gujaf-379	151	23	(	(	PUNCT
gujaf-379	151	24	tolerance	tolerance	NOUN
gujaf-379	151	25	for	for	ADP
gujaf-379	151	26	potential	potential	ADJ
gujaf-379	151	27	financial	financial	ADJ
gujaf-379	151	28	losses	loss	NOUN
gujaf-379	151	29	)	)	PUNCT
gujaf-379	151	30	,	,	PUNCT
gujaf-379	151	31	and	and	CCONJ
gujaf-379	151	32	return	return	VERB
gujaf-379	151	33	expectations	expectation	NOUN
gujaf-379	151	34	(	(	PUNCT
gujaf-379	151	35	preferred	preferred	ADJ
gujaf-379	151	36	risk	risk	NOUN
gujaf-379	151	37	-	-	PUNCT
gujaf-379	151	38	return	return	NOUN
gujaf-379	151	39	tradeoffs	tradeoff	NOUN
gujaf-379	151	40	)	)	PUNCT
gujaf-379	151	41	.	.	PUNCT
gujaf-379	152	1	financial	financial	ADJ
gujaf-379	152	2	literacy	literacy	NOUN
gujaf-379	152	3	(	(	PUNCT
gujaf-379	152	4	moderating	moderate	VERB
gujaf-379	152	5	variable	variable	NOUN
gujaf-379	152	6	)	)	PUNCT
gujaf-379	152	7	assessed	assess	VERB
gujaf-379	152	8	respondents	respondent	NOUN
gujaf-379	152	9	'	'	PART
gujaf-379	152	10	competencies	competency	NOUN
gujaf-379	152	11	in	in	ADP
gujaf-379	152	12	financial	financial	ADJ
gujaf-379	152	13	planning	planning	NOUN
gujaf-379	152	14	,	,	PUNCT
gujaf-379	152	15	risk	risk	NOUN
gujaf-379	152	16	assessment	assessment	NOUN
gujaf-379	152	17	,	,	PUNCT
gujaf-379	152	18	and	and	CCONJ
gujaf-379	152	19	investment	investment	NOUN
gujaf-379	152	20	analysis	analysis	NOUN
gujaf-379	152	21	.	.	PUNCT
gujaf-379	153	1	the	the	DET
gujaf-379	153	2	dependent	dependent	ADJ
gujaf-379	153	3	variable	variable	NOUN
gujaf-379	153	4	,	,	PUNCT
gujaf-379	153	5	investment	investment	NOUN
gujaf-379	153	6	decisions	decision	NOUN
gujaf-379	153	7	,	,	PUNCT
gujaf-379	153	8	was	be	AUX
gujaf-379	153	9	evaluated	evaluate	VERB
gujaf-379	153	10	through	through	ADP
gujaf-379	153	11	capital	capital	NOUN
gujaf-379	153	12	allocation	allocation	NOUN
gujaf-379	153	13	patterns	pattern	NOUN
gujaf-379	153	14	,	,	PUNCT
gujaf-379	153	15	technology	technology	NOUN
gujaf-379	153	16	adoption	adoption	NOUN
gujaf-379	153	17	investments	investment	NOUN
gujaf-379	153	18	,	,	PUNCT
gujaf-379	153	19	and	and	CCONJ
gujaf-379	153	20	working	working	NOUN
gujaf-379	153	21	capital	capital	NOUN
gujaf-379	153	22	management	management	NOUN
gujaf-379	153	23	strategies	strategy	NOUN
gujaf-379	153	24	.	.	PUNCT
gujaf-379	154	1	table	table	NOUN
gujaf-379	154	2	1	1	NUM
gujaf-379	154	3	summarizes	summarize	NOUN
gujaf-379	154	4	these	these	DET
gujaf-379	154	5	operational	operational	ADJ
gujaf-379	154	6	definitions	definition	NOUN
gujaf-379	154	7	with	with	ADP
gujaf-379	154	8	their	their	PRON
gujaf-379	154	9	supporting	support	VERB
gujaf-379	154	10	literature	literature	NOUN
gujaf-379	154	11	sources	source	NOUN
gujaf-379	154	12	.	.	PUNCT
gujaf-379	155	1	table	table	NOUN
gujaf-379	155	2	1	1	NUM
gujaf-379	155	3	:	:	PUNCT
gujaf-379	155	4	variable	variable	ADJ
gujaf-379	155	5	definition	definition	NOUN
gujaf-379	155	6	and	and	CCONJ
gujaf-379	155	7	measurement	measurement	NOUN
gujaf-379	155	8	variables	variable	VERB
gujaf-379	155	9	nature	nature	NOUN
gujaf-379	155	10	of	of	ADP
gujaf-379	155	11	variable	variable	ADJ
gujaf-379	155	12	definition	definition	NOUN
gujaf-379	155	13	of	of	ADP
gujaf-379	155	14	measurement	measurement	NOUN
gujaf-379	155	15	sources	source	NOUN
gujaf-379	155	16	financial	financial	ADJ
gujaf-379	155	17	risk	risk	NOUN
gujaf-379	155	18	tolerance	tolerance	NOUN
gujaf-379	155	19	independent	independent	ADJ
gujaf-379	155	20	variable	variable	NOUN
gujaf-379	155	21	(	(	PUNCT
gujaf-379	155	22	iv	iv	X
gujaf-379	155	23	)	)	PUNCT
gujaf-379	155	24	it	it	PRON
gujaf-379	155	25	is	be	AUX
gujaf-379	155	26	measured	measure	VERB
gujaf-379	155	27	using	use	VERB
gujaf-379	155	28	a	a	DET
gujaf-379	155	29	7	7	NUM
gujaf-379	155	30	-	-	PUNCT
gujaf-379	155	31	item	item	NOUN
gujaf-379	155	32	likert	likert	NOUN
gujaf-379	155	33	scale	scale	NOUN
gujaf-379	155	34	assessing	assess	VERB
gujaf-379	155	35	willingness	willingness	NOUN
gujaf-379	155	36	to	to	PART
gujaf-379	155	37	accept	accept	VERB
gujaf-379	155	38	uncertain	uncertain	ADJ
gujaf-379	155	39	financial	financial	ADJ
gujaf-379	155	40	outcomes	outcome	NOUN
gujaf-379	155	41	.	.	PUNCT
gujaf-379	156	1	grable	grable	PROPN
gujaf-379	156	2	and	and	CCONJ
gujaf-379	156	3	lytton	lytton	PROPN
gujaf-379	156	4	(	(	PUNCT
gujaf-379	156	5	1999	1999	NUM
gujaf-379	156	6	)	)	PUNCT
gujaf-379	156	7	investment	investment	NOUN
gujaf-379	156	8	decisions	decision	NOUN
gujaf-379	156	9	dependent	dependent	ADJ
gujaf-379	156	10	variable	variable	NOUN
gujaf-379	156	11	(	(	PUNCT
gujaf-379	156	12	dv	dv	PROPN
gujaf-379	156	13	)	)	PUNCT
gujaf-379	157	1	it	it	PRON
gujaf-379	157	2	is	be	AUX
gujaf-379	157	3	measured	measure	VERB
gujaf-379	157	4	through	through	ADP
gujaf-379	157	5	ownerreported	ownerreporte	VERB
gujaf-379	157	6	perceptions	perception	NOUN
gujaf-379	157	7	of	of	ADP
gujaf-379	157	8	risktaking	risktake	VERB
gujaf-379	157	9	and	and	CCONJ
gujaf-379	157	10	growth	growth	NOUN
gujaf-379	157	11	prioritization	prioritization	NOUN
gujaf-379	157	12	.	.	PUNCT
gujaf-379	158	1	smedan	smedan	PROPN
gujaf-379	158	2	(	(	PUNCT
gujaf-379	158	3	2023	2023	NUM
gujaf-379	158	4	)	)	PUNCT
gujaf-379	158	5	financial	financial	ADJ
gujaf-379	158	6	literacy	literacy	NOUN
gujaf-379	158	7	moderating	moderate	VERB
gujaf-379	158	8	variable	variable	NOUN
gujaf-379	158	9	(	(	PUNCT
gujaf-379	158	10	mv	mv	PROPN
gujaf-379	158	11	)	)	PUNCT
gujaf-379	158	12	measured	measure	VERB
gujaf-379	158	13	through	through	ADP
gujaf-379	158	14	sme	sme	NOUN
gujaf-379	158	15	owners	owner	NOUN
gujaf-379	158	16	’	'	PUNCT
gujaf-379	158	17	knowledge	knowledge	NOUN
gujaf-379	158	18	of	of	ADP
gujaf-379	158	19	budgeting	budgeting	NOUN
gujaf-379	158	20	,	,	PUNCT
gujaf-379	158	21	financial	financial	ADJ
gujaf-379	158	22	planning	planning	NOUN
gujaf-379	158	23	,	,	PUNCT
gujaf-379	158	24	and	and	CCONJ
gujaf-379	158	25	credit	credit	NOUN
gujaf-379	158	26	management	management	NOUN
gujaf-379	158	27	johnson	johnson	PROPN
gujaf-379	158	28	&	&	CCONJ
gujaf-379	158	29	samuel	samuel	PROPN
gujaf-379	158	30	(	(	PUNCT
gujaf-379	158	31	2021	2021	NUM
gujaf-379	158	32	)	)	PUNCT
gujaf-379	158	33	source	source	NOUN
gujaf-379	158	34	:	:	PUNCT
gujaf-379	158	35	developed	develop	VERB
gujaf-379	158	36	by	by	ADP
gujaf-379	158	37	the	the	DET
gujaf-379	158	38	researcher	researcher	NOUN
gujaf-379	158	39	(	(	PUNCT
gujaf-379	158	40	2025	2025	NUM
gujaf-379	158	41	)	)	PUNCT
gujaf-379	158	42	.	.	PUNCT
gujaf-379	159	1	gusau	gusau	PROPN
gujaf-379	159	2	journal	journal	PROPN
gujaf-379	159	3	of	of	ADP
gujaf-379	159	4	accounting	accounting	NOUN
gujaf-379	159	5	and	and	CCONJ
gujaf-379	159	6	finance	finance	NOUN
gujaf-379	159	7	,	,	PUNCT
gujaf-379	159	8	vol.6	vol.6	PROPN
gujaf-379	159	9	,	,	PUNCT
gujaf-379	159	10	issue	issue	NOUN
gujaf-379	159	11	1	1	NUM
gujaf-379	159	12	,	,	PUNCT
gujaf-379	159	13	april	april	PROPN
gujaf-379	159	14	,	,	PUNCT
gujaf-379	159	15	2025	2025	NUM
gujaf-379	159	16	211	211	NUM
gujaf-379	159	17	this	this	DET
gujaf-379	159	18	study	study	NOUN
gujaf-379	159	19	employed	employ	VERB
gujaf-379	159	20	multiple	multiple	ADJ
gujaf-379	159	21	regression	regression	NOUN
gujaf-379	159	22	analysis	analysis	NOUN
gujaf-379	159	23	to	to	PART
gujaf-379	159	24	examine	examine	VERB
gujaf-379	159	25	both	both	CCONJ
gujaf-379	159	26	the	the	DET
gujaf-379	159	27	direct	direct	ADJ
gujaf-379	159	28	effects	effect	NOUN
gujaf-379	159	29	of	of	ADP
gujaf-379	159	30	financial	financial	ADJ
gujaf-379	159	31	risk	risk	NOUN
gujaf-379	159	32	tolerance	tolerance	NOUN
gujaf-379	159	33	and	and	CCONJ
gujaf-379	159	34	financial	financial	ADJ
gujaf-379	159	35	literacy	literacy	NOUN
gujaf-379	159	36	on	on	ADP
gujaf-379	159	37	sme	sme	ADJ
gujaf-379	159	38	investment	investment	NOUN
gujaf-379	159	39	decisions	decision	NOUN
gujaf-379	159	40	,	,	PUNCT
gujaf-379	159	41	as	as	ADV
gujaf-379	159	42	well	well	ADV
gujaf-379	159	43	as	as	ADP
gujaf-379	159	44	the	the	DET
gujaf-379	159	45	moderating	moderate	VERB
gujaf-379	159	46	effect	effect	NOUN
gujaf-379	159	47	of	of	ADP
gujaf-379	159	48	financial	financial	ADJ
gujaf-379	159	49	literacy	literacy	NOUN
gujaf-379	159	50	on	on	ADP
gujaf-379	159	51	this	this	DET
gujaf-379	159	52	relationship	relationship	NOUN
gujaf-379	159	53	.	.	PUNCT
gujaf-379	160	1	a	a	DET
gujaf-379	160	2	single	single	ADJ
gujaf-379	160	3	regression	regression	NOUN
gujaf-379	160	4	model	model	NOUN
gujaf-379	160	5	was	be	AUX
gujaf-379	160	6	constructed	construct	VERB
gujaf-379	160	7	to	to	PART
gujaf-379	160	8	simultaneously	simultaneously	ADV
gujaf-379	160	9	assess	assess	VERB
gujaf-379	160	10	these	these	DET
gujaf-379	160	11	effects	effect	NOUN
gujaf-379	160	12	,	,	PUNCT
gujaf-379	160	13	ensuring	ensure	VERB
gujaf-379	160	14	a	a	DET
gujaf-379	160	15	comprehensive	comprehensive	ADJ
gujaf-379	160	16	analysis	analysis	NOUN
gujaf-379	160	17	of	of	ADP
gujaf-379	160	18	the	the	DET
gujaf-379	160	19	hypothesized	hypothesized	ADJ
gujaf-379	160	20	relationships	relationship	NOUN
gujaf-379	160	21	.	.	PUNCT
gujaf-379	161	1	the	the	DET
gujaf-379	161	2	regression	regression	NOUN
gujaf-379	161	3	model	model	NOUN
gujaf-379	161	4	was	be	AUX
gujaf-379	161	5	specified	specify	VERB
gujaf-379	161	6	as	as	SCONJ
gujaf-379	161	7	follows	follow	VERB
gujaf-379	161	8	:	:	PUNCT
gujaf-379	162	1	invdc	invdc	NOUN
gujaf-379	162	2	=	=	SYM
gujaf-379	162	3	β₀	β₀	PROPN
gujaf-379	162	4	+	+	NUM
gujaf-379	162	5	β₁frt	β₁frt	NOUN
gujaf-379	163	1	+	+	CCONJ
gujaf-379	163	2	β₂fl	β₂fl	PUNCT
gujaf-379	164	1	+	+	CCONJ
gujaf-379	164	2	β₃frt×fl	β₃frt×fl	PROPN
gujaf-379	164	3	+	+	NUM
gujaf-379	164	4	ε	ε	PROPN
gujaf-379	164	5	where	where	SCONJ
gujaf-379	164	6	:	:	PUNCT
gujaf-379	164	7	invdc=	invdc=	NUM
gujaf-379	164	8	investment	investment	NOUN
gujaf-379	164	9	decisions	decision	NOUN
gujaf-379	164	10	frt	frt	NOUN
gujaf-379	164	11	=	=	ADJ
gujaf-379	164	12	financial	financial	ADJ
gujaf-379	164	13	risk	risk	NOUN
gujaf-379	164	14	tolerance	tolerance	NOUN
gujaf-379	164	15	fl=	fl=	ADJ
gujaf-379	164	16	financial	financial	ADJ
gujaf-379	164	17	literacy	literacy	NOUN
gujaf-379	164	18	4.0	4.0	NUM
gujaf-379	164	19	data	data	NOUN
gujaf-379	164	20	presentation	presentation	NOUN
gujaf-379	164	21	and	and	CCONJ
gujaf-379	164	22	analysis	analysis	NOUN
gujaf-379	164	23	this	this	DET
gujaf-379	164	24	section	section	NOUN
gujaf-379	164	25	presents	present	VERB
gujaf-379	164	26	the	the	DET
gujaf-379	164	27	empirical	empirical	ADJ
gujaf-379	164	28	analysis	analysis	NOUN
gujaf-379	164	29	of	of	ADP
gujaf-379	164	30	data	datum	NOUN
gujaf-379	164	31	collected	collect	VERB
gujaf-379	164	32	from	from	ADP
gujaf-379	164	33	sme	sme	PROPN
gujaf-379	164	34	respondents	respondent	NOUN
gujaf-379	164	35	.	.	PUNCT
gujaf-379	165	1	the	the	DET
gujaf-379	165	2	analysis	analysis	NOUN
gujaf-379	165	3	examines	examine	NOUN
gujaf-379	165	4	:	:	PUNCT
gujaf-379	165	5	respondent	respondent	NOUN
gujaf-379	165	6	demographics	demographic	NOUN
gujaf-379	165	7	,	,	PUNCT
gujaf-379	165	8	descriptive	descriptive	ADJ
gujaf-379	165	9	statistics	statistic	NOUN
gujaf-379	165	10	of	of	ADP
gujaf-379	165	11	key	key	ADJ
gujaf-379	165	12	variables	variable	NOUN
gujaf-379	165	13	,	,	PUNCT
gujaf-379	165	14	correlation	correlation	NOUN
gujaf-379	165	15	analysis	analysis	NOUN
gujaf-379	165	16	,	,	PUNCT
gujaf-379	165	17	regression	regression	NOUN
gujaf-379	165	18	results	result	NOUN
gujaf-379	165	19	,	,	PUNCT
gujaf-379	165	20	and	and	CCONJ
gujaf-379	165	21	hypothesis	hypothesis	NOUN
gujaf-379	165	22	testing	testing	NOUN
gujaf-379	165	23	.	.	PUNCT
gujaf-379	166	1	the	the	DET
gujaf-379	166	2	focus	focus	NOUN
gujaf-379	166	3	is	be	AUX
gujaf-379	166	4	to	to	PART
gujaf-379	166	5	investigate	investigate	VERB
gujaf-379	166	6	financial	financial	ADJ
gujaf-379	166	7	literacy	literacy	NOUN
gujaf-379	166	8	's	's	PART
gujaf-379	166	9	moderating	moderate	VERB
gujaf-379	166	10	effect	effect	NOUN
gujaf-379	166	11	on	on	ADP
gujaf-379	166	12	the	the	DET
gujaf-379	166	13	relationship	relationship	NOUN
gujaf-379	166	14	between	between	ADP
gujaf-379	166	15	financial	financial	ADJ
gujaf-379	166	16	risk	risk	NOUN
gujaf-379	166	17	tolerance	tolerance	NOUN
gujaf-379	166	18	and	and	CCONJ
gujaf-379	166	19	investment	investment	NOUN
gujaf-379	166	20	decisions	decision	NOUN
gujaf-379	166	21	among	among	ADP
gujaf-379	166	22	zamfara	zamfara	PROPN
gujaf-379	166	23	state	state	PROPN
gujaf-379	166	24	smes	sme	NOUN
gujaf-379	166	25	.	.	PUNCT
gujaf-379	167	1	the	the	DET
gujaf-379	167	2	multiple	multiple	ADJ
gujaf-379	167	3	regression	regression	NOUN
gujaf-379	167	4	analysis	analysis	NOUN
gujaf-379	167	5	simultaneously	simultaneously	ADV
gujaf-379	167	6	tests	test	VERB
gujaf-379	167	7	both	both	CCONJ
gujaf-379	167	8	direct	direct	ADJ
gujaf-379	167	9	and	and	CCONJ
gujaf-379	167	10	interaction	interaction	NOUN
gujaf-379	167	11	effects	effect	NOUN
gujaf-379	167	12	within	within	ADP
gujaf-379	167	13	a	a	DET
gujaf-379	167	14	unified	unified	ADJ
gujaf-379	167	15	model	model	NOUN
gujaf-379	167	16	.	.	PUNCT
gujaf-379	168	1	demographic	demographic	ADJ
gujaf-379	168	2	characteristics	characteristic	NOUN
gujaf-379	168	3	of	of	ADP
gujaf-379	168	4	respondents	respondent	NOUN
gujaf-379	168	5	the	the	DET
gujaf-379	168	6	demographic	demographic	ADJ
gujaf-379	168	7	data	datum	NOUN
gujaf-379	168	8	provide	provide	VERB
gujaf-379	168	9	information	information	NOUN
gujaf-379	168	10	on	on	ADP
gujaf-379	168	11	the	the	DET
gujaf-379	168	12	background	background	NOUN
gujaf-379	168	13	of	of	ADP
gujaf-379	168	14	the	the	DET
gujaf-379	168	15	respondents	respondent	NOUN
gujaf-379	168	16	who	who	PRON
gujaf-379	168	17	participated	participate	VERB
gujaf-379	168	18	in	in	ADP
gujaf-379	168	19	the	the	DET
gujaf-379	168	20	survey	survey	NOUN
gujaf-379	168	21	.	.	PUNCT
gujaf-379	169	1	this	this	PRON
gujaf-379	169	2	includes	include	VERB
gujaf-379	169	3	information	information	NOUN
gujaf-379	169	4	on	on	ADP
gujaf-379	169	5	gender	gender	NOUN
gujaf-379	169	6	,	,	PUNCT
gujaf-379	169	7	age	age	NOUN
gujaf-379	169	8	,	,	PUNCT
gujaf-379	169	9	educational	educational	ADJ
gujaf-379	169	10	qualifications	qualification	NOUN
gujaf-379	169	11	,	,	PUNCT
gujaf-379	169	12	job	job	NOUN
gujaf-379	169	13	position	position	NOUN
gujaf-379	169	14	,	,	PUNCT
gujaf-379	169	15	and	and	CCONJ
gujaf-379	169	16	years	year	NOUN
gujaf-379	169	17	of	of	ADP
gujaf-379	169	18	experience	experience	NOUN
gujaf-379	169	19	.	.	PUNCT
gujaf-379	170	1	the	the	DET
gujaf-379	170	2	details	detail	NOUN
gujaf-379	170	3	are	be	AUX
gujaf-379	170	4	summarized	summarize	VERB
gujaf-379	170	5	in	in	ADP
gujaf-379	170	6	table	table	NOUN
gujaf-379	170	7	1	1	NUM
gujaf-379	170	8	.	.	PUNCT
gujaf-379	170	9	table	table	NOUN
gujaf-379	170	10	1	1	NUM
gujaf-379	170	11	.	.	PUNCT
gujaf-379	170	12	demographic	demographic	ADJ
gujaf-379	170	13	profile	profile	NOUN
gujaf-379	170	14	of	of	ADP
gujaf-379	170	15	sme	sme	NOUN
gujaf-379	170	16	owners	owner	NOUN
gujaf-379	170	17	/	/	SYM
gujaf-379	170	18	managers	manager	NOUN
gujaf-379	170	19	demographic	demographic	ADJ
gujaf-379	170	20	variable	variable	ADJ
gujaf-379	170	21	category	category	NOUN
gujaf-379	170	22	frequency	frequency	NOUN
gujaf-379	170	23	percentage	percentage	NOUN
gujaf-379	170	24	(	(	PUNCT
gujaf-379	170	25	%	%	NOUN
gujaf-379	170	26	)	)	PUNCT
gujaf-379	170	27	gender	gender	NOUN
gujaf-379	170	28	male	male	NOUN
gujaf-379	170	29	248	248	NUM
gujaf-379	170	30	62.0	62.0	NUM
gujaf-379	170	31	female	female	NOUN
gujaf-379	170	32	152	152	NUM
gujaf-379	170	33	38.0	38.0	NUM
gujaf-379	170	34	age	age	NOUN
gujaf-379	170	35	25	25	NUM
gujaf-379	170	36	–	–	PUNCT
gujaf-379	170	37	35	35	NUM
gujaf-379	170	38	years	year	NOUN
gujaf-379	170	39	168	168	NUM
gujaf-379	170	40	42.0	42.0	NUM
gujaf-379	170	41	36	36	NUM
gujaf-379	170	42	–	–	PUNCT
gujaf-379	170	43	45	45	NUM
gujaf-379	170	44	years	year	NOUN
gujaf-379	170	45	156	156	NUM
gujaf-379	170	46	39.0	39.0	NUM
gujaf-379	170	47	above	above	ADP
gujaf-379	170	48	45	45	NUM
gujaf-379	170	49	years	year	NOUN
gujaf-379	170	50	76	76	NUM
gujaf-379	170	51	19.0	19.0	NUM
gujaf-379	170	52	educational	educational	ADJ
gujaf-379	170	53	qualification	qualification	NOUN
gujaf-379	170	54	secondary	secondary	ADJ
gujaf-379	170	55	/	/	SYM
gujaf-379	170	56	diploma	diploma	NOUN
gujaf-379	170	57	132	132	NUM
gujaf-379	170	58	33.0	33.0	NUM
gujaf-379	170	59	bachelor	bachelor	NOUN
gujaf-379	170	60	's	's	PART
gujaf-379	170	61	degree	degree	NOUN
gujaf-379	170	62	196	196	NUM
gujaf-379	170	63	49.0	49.0	NUM
gujaf-379	170	64	postgraduate	postgraduate	NOUN
gujaf-379	170	65	72	72	NUM
gujaf-379	170	66	18.0	18.0	NUM
gujaf-379	170	67	gusau	gusau	ADJ
gujaf-379	170	68	journal	journal	NOUN
gujaf-379	170	69	of	of	ADP
gujaf-379	170	70	accounting	accounting	NOUN
gujaf-379	170	71	and	and	CCONJ
gujaf-379	170	72	finance	finance	NOUN
gujaf-379	170	73	,	,	PUNCT
gujaf-379	170	74	vol.6	vol.6	PROPN
gujaf-379	170	75	,	,	PUNCT
gujaf-379	170	76	issue	issue	NOUN
gujaf-379	170	77	1	1	NUM
gujaf-379	170	78	,	,	PUNCT
gujaf-379	170	79	april	april	PROPN
gujaf-379	170	80	,	,	PUNCT
gujaf-379	170	81	2025	2025	NUM
gujaf-379	170	82	212	212	NUM
gujaf-379	170	83	demographic	demographic	ADJ
gujaf-379	170	84	variable	variable	ADJ
gujaf-379	170	85	category	category	NOUN
gujaf-379	170	86	frequency	frequency	NOUN
gujaf-379	170	87	percentage	percentage	NOUN
gujaf-379	170	88	(	(	PUNCT
gujaf-379	170	89	%	%	NOUN
gujaf-379	170	90	)	)	PUNCT
gujaf-379	170	91	business	business	NOUN
gujaf-379	170	92	sector	sector	NOUN
gujaf-379	170	93	trade	trade	NOUN
gujaf-379	170	94	/	/	SYM
gujaf-379	170	95	commerce	commerce	NOUN
gujaf-379	170	96	144	144	NUM
gujaf-379	170	97	36.0	36.0	NUM
gujaf-379	170	98	agriculture	agriculture	NOUN
gujaf-379	170	99	140	140	NUM
gujaf-379	170	100	35.0	35.0	NUM
gujaf-379	170	101	services	service	NOUN
gujaf-379	170	102	104	104	NUM
gujaf-379	170	103	26.0	26.0	NUM
gujaf-379	170	104	manufacturing	manufacture	VERB
gujaf-379	170	105	32	32	NUM
gujaf-379	170	106	8.0	8.0	NUM
gujaf-379	170	107	business	business	NOUN
gujaf-379	170	108	experience	experience	NOUN
gujaf-379	170	109	1	1	NUM
gujaf-379	170	110	–	–	SYM
gujaf-379	170	111	5	5	NUM
gujaf-379	170	112	years	year	NOUN
gujaf-379	170	113	140	140	NUM
gujaf-379	170	114	35.0	35.0	NUM
gujaf-379	170	115	6	6	NUM
gujaf-379	170	116	–	–	PUNCT
gujaf-379	170	117	10	10	NUM
gujaf-379	170	118	years	year	NOUN
gujaf-379	170	119	148	148	NUM
gujaf-379	170	120	37.0	37.0	NUM
gujaf-379	170	121	over	over	ADP
gujaf-379	170	122	ten	ten	NUM
gujaf-379	170	123	years	year	NOUN
gujaf-379	170	124	112	112	NUM
gujaf-379	170	125	28.0	28.0	NUM
gujaf-379	170	126	source	source	NOUN
gujaf-379	170	127	:	:	PUNCT
gujaf-379	170	128	field	field	NOUN
gujaf-379	170	129	survey	survey	NOUN
gujaf-379	170	130	(	(	PUNCT
gujaf-379	170	131	2025	2025	NUM
gujaf-379	170	132	)	)	PUNCT
gujaf-379	170	133	.	.	PUNCT
gujaf-379	171	1	descriptive	descriptive	ADJ
gujaf-379	171	2	statistics	statistic	NOUN
gujaf-379	171	3	descriptive	descriptive	ADJ
gujaf-379	171	4	statistical	statistical	ADJ
gujaf-379	171	5	analysis	analysis	NOUN
gujaf-379	171	6	was	be	AUX
gujaf-379	171	7	conducted	conduct	VERB
gujaf-379	171	8	to	to	PART
gujaf-379	171	9	summarize	summarize	VERB
gujaf-379	171	10	the	the	DET
gujaf-379	171	11	key	key	ADJ
gujaf-379	171	12	variables	variable	NOUN
gujaf-379	171	13	under	under	ADP
gujaf-379	171	14	consideration	consideration	NOUN
gujaf-379	171	15	and	and	CCONJ
gujaf-379	171	16	provide	provide	VERB
gujaf-379	171	17	information	information	NOUN
gujaf-379	171	18	on	on	ADP
gujaf-379	171	19	respondents	respondent	NOUN
gujaf-379	171	20	'	'	PART
gujaf-379	171	21	perceptions	perception	NOUN
gujaf-379	171	22	.	.	PUNCT
gujaf-379	172	1	the	the	DET
gujaf-379	172	2	analysis	analysis	NOUN
gujaf-379	172	3	covered	cover	VERB
gujaf-379	172	4	financial	financial	ADJ
gujaf-379	172	5	risk	risk	NOUN
gujaf-379	172	6	tolerance	tolerance	NOUN
gujaf-379	172	7	,	,	PUNCT
gujaf-379	172	8	financial	financial	ADJ
gujaf-379	172	9	literacy	literacy	NOUN
gujaf-379	172	10	and	and	CCONJ
gujaf-379	172	11	investment	investment	NOUN
gujaf-379	172	12	decisions	decision	NOUN
gujaf-379	172	13	.	.	PUNCT
gujaf-379	173	1	the	the	DET
gujaf-379	173	2	mean	mean	ADJ
gujaf-379	173	3	and	and	CCONJ
gujaf-379	173	4	standard	standard	ADJ
gujaf-379	173	5	deviation	deviation	NOUN
gujaf-379	173	6	values	value	NOUN
gujaf-379	173	7	for	for	ADP
gujaf-379	173	8	these	these	DET
gujaf-379	173	9	variables	variable	NOUN
gujaf-379	173	10	are	be	AUX
gujaf-379	173	11	presented	present	VERB
gujaf-379	173	12	in	in	ADP
gujaf-379	173	13	table	table	NOUN
gujaf-379	173	14	2	2	NUM
gujaf-379	173	15	.	.	PUNCT
gujaf-379	173	16	table	table	NOUN
gujaf-379	173	17	2	2	NUM
gujaf-379	173	18	.	.	PUNCT
gujaf-379	173	19	descriptive	descriptive	ADJ
gujaf-379	173	20	statistics	statistic	NOUN
gujaf-379	173	21	of	of	ADP
gujaf-379	173	22	study	study	NOUN
gujaf-379	173	23	variables	variable	VERB
gujaf-379	173	24	variable	variable	ADJ
gujaf-379	173	25	obs	ob	NOUN
gujaf-379	173	26	.	.	PUNCT
gujaf-379	174	1	mean	mean	VERB
gujaf-379	174	2	std	std	PROPN
gujaf-379	174	3	.	.	PROPN
gujaf-379	174	4	dev	dev	PROPN
gujaf-379	174	5	.	.	PUNCT
gujaf-379	175	1	min	min	PROPN
gujaf-379	175	2	max	max	PROPN
gujaf-379	175	3	skew	skew	PROPN
gujaf-379	175	4	kurt	kurt	PROPN
gujaf-379	175	5	frt	frt	PROPN
gujaf-379	175	6	400	400	NUM
gujaf-379	175	7	3.12	3.12	NUM
gujaf-379	175	8	0.87	0.87	NUM
gujaf-379	175	9	1.4	1.4	NUM
gujaf-379	175	10	4.8	4.8	NUM
gujaf-379	175	11	-0.32	-0.32	NUM
gujaf-379	175	12	0.15	0.15	NUM
gujaf-379	175	13	fl	fl	NUM
gujaf-379	175	14	400	400	NUM
gujaf-379	175	15	2.98	2.98	NUM
gujaf-379	175	16	0.92	0.92	NUM
gujaf-379	175	17	1.2	1.2	NUM
gujaf-379	175	18	4.6	4.6	NUM
gujaf-379	175	19	0.41	0.41	NUM
gujaf-379	175	20	-0.23	-0.23	NOUN
gujaf-379	175	21	invdc	invdc	ADJ
gujaf-379	175	22	400	400	NUM
gujaf-379	175	23	3.05	3.05	NUM
gujaf-379	175	24	0.85	0.85	NUM
gujaf-379	175	25	1.5	1.5	NUM
gujaf-379	175	26	4.9	4.9	NUM
gujaf-379	175	27	-0.15	-0.15	NUM
gujaf-379	175	28	0.08	0.08	NUM
gujaf-379	175	29	frt×fl	frt×fl	NOUN
gujaf-379	175	30	400	400	NUM
gujaf-379	175	31	9.42	9.42	NUM
gujaf-379	175	32	3.21	3.21	NUM
gujaf-379	175	33	1.7	1.7	NUM
gujaf-379	175	34	22.1	22.1	NUM
gujaf-379	175	35	0.12	0.12	NUM
gujaf-379	175	36	-0.31	-0.31	NUM
gujaf-379	175	37	source	source	NOUN
gujaf-379	175	38	:	:	PUNCT
gujaf-379	175	39	field	field	NOUN
gujaf-379	175	40	survey	survey	NOUN
gujaf-379	175	41	(	(	PUNCT
gujaf-379	175	42	2025	2025	NUM
gujaf-379	175	43	)	)	PUNCT
gujaf-379	175	44	the	the	DET
gujaf-379	175	45	descriptive	descriptive	ADJ
gujaf-379	175	46	statistics	statistic	NOUN
gujaf-379	175	47	reveal	reveal	VERB
gujaf-379	175	48	important	important	ADJ
gujaf-379	175	49	patterns	pattern	NOUN
gujaf-379	175	50	in	in	ADP
gujaf-379	175	51	the	the	DET
gujaf-379	175	52	data	datum	NOUN
gujaf-379	175	53	that	that	PRON
gujaf-379	175	54	align	align	VERB
gujaf-379	175	55	with	with	ADP
gujaf-379	175	56	the	the	DET
gujaf-379	175	57	study	study	NOUN
gujaf-379	175	58	's	's	PART
gujaf-379	175	59	hypothesized	hypothesized	ADJ
gujaf-379	175	60	relationships	relationship	NOUN
gujaf-379	175	61	.	.	PUNCT
gujaf-379	176	1	financial	financial	ADJ
gujaf-379	176	2	risk	risk	NOUN
gujaf-379	176	3	tolerance	tolerance	NOUN
gujaf-379	176	4	(	(	PUNCT
gujaf-379	176	5	m=3.12	m=3.12	NOUN
gujaf-379	176	6	,	,	PUNCT
gujaf-379	176	7	sd=0.87	sd=0.87	ADJ
gujaf-379	176	8	)	)	PUNCT
gujaf-379	176	9	and	and	CCONJ
gujaf-379	176	10	financial	financial	ADJ
gujaf-379	176	11	literacy	literacy	NOUN
gujaf-379	176	12	(	(	PUNCT
gujaf-379	176	13	m=2.98	m=2.98	NOUN
gujaf-379	176	14	,	,	PUNCT
gujaf-379	176	15	sd=0.92	sd=0.92	NOUN
gujaf-379	176	16	)	)	PUNCT
gujaf-379	176	17	show	show	NOUN
gujaf-379	176	18	moderate	moderate	ADJ
gujaf-379	176	19	mean	mean	NOUN
gujaf-379	176	20	scores	score	NOUN
gujaf-379	176	21	with	with	ADP
gujaf-379	176	22	comparable	comparable	ADJ
gujaf-379	176	23	variability	variability	NOUN
gujaf-379	176	24	,	,	PUNCT
gujaf-379	176	25	indicating	indicate	VERB
gujaf-379	176	26	respondents	respondent	NOUN
gujaf-379	176	27	displayed	display	VERB
gujaf-379	176	28	neither	neither	CCONJ
gujaf-379	176	29	extreme	extreme	ADJ
gujaf-379	176	30	risk	risk	NOUN
gujaf-379	176	31	aversion	aversion	NOUN
gujaf-379	176	32	nor	nor	CCONJ
gujaf-379	176	33	excessive	excessive	ADJ
gujaf-379	176	34	risk	risk	NOUN
gujaf-379	176	35	-	-	PUNCT
gujaf-379	176	36	taking	take	VERB
gujaf-379	176	37	tendencies	tendency	NOUN
gujaf-379	176	38	,	,	PUNCT
gujaf-379	176	39	while	while	SCONJ
gujaf-379	176	40	financial	financial	ADJ
gujaf-379	176	41	knowledge	knowledge	NOUN
gujaf-379	176	42	levels	level	NOUN
gujaf-379	176	43	were	be	AUX
gujaf-379	176	44	similarly	similarly	ADV
gujaf-379	176	45	distributed	distribute	VERB
gujaf-379	176	46	across	across	ADP
gujaf-379	176	47	the	the	DET
gujaf-379	176	48	sample	sample	NOUN
gujaf-379	176	49	.	.	PUNCT
gujaf-379	177	1	investment	investment	NOUN
gujaf-379	177	2	decisions	decision	NOUN
gujaf-379	177	3	(	(	PUNCT
gujaf-379	177	4	m=3.05	m=3.05	ADJ
gujaf-379	177	5	,	,	PUNCT
gujaf-379	177	6	sd=0.85	sd=0.85	PROPN
gujaf-379	177	7	)	)	PUNCT
gujaf-379	177	8	followed	follow	VERB
gujaf-379	177	9	this	this	DET
gujaf-379	177	10	same	same	ADJ
gujaf-379	177	11	central	central	ADJ
gujaf-379	177	12	tendency	tendency	NOUN
gujaf-379	177	13	pattern	pattern	NOUN
gujaf-379	177	14	,	,	PUNCT
gujaf-379	177	15	suggesting	suggest	VERB
gujaf-379	177	16	most	most	ADJ
gujaf-379	177	17	sme	sme	NOUN
gujaf-379	177	18	owners	owner	NOUN
gujaf-379	177	19	made	make	VERB
gujaf-379	177	20	moderately	moderately	ADV
gujaf-379	177	21	conservative	conservative	ADJ
gujaf-379	177	22	investment	investment	NOUN
gujaf-379	177	23	choices	choice	NOUN
gujaf-379	177	24	.	.	PUNCT
gujaf-379	178	1	the	the	DET
gujaf-379	178	2	normal	normal	ADJ
gujaf-379	178	3	distribution	distribution	NOUN
gujaf-379	178	4	of	of	ADP
gujaf-379	178	5	all	all	DET
gujaf-379	178	6	main	main	ADJ
gujaf-379	178	7	variables	variable	NOUN
gujaf-379	178	8	(	(	PUNCT
gujaf-379	178	9	skewness	skewness	NOUN
gujaf-379	178	10	values	value	NOUN
gujaf-379	178	11	between	between	ADP
gujaf-379	178	12	-0.32	-0.32	NUM
gujaf-379	178	13	and	and	CCONJ
gujaf-379	178	14	0.41	0.41	NUM
gujaf-379	178	15	;	;	PUNCT
gujaf-379	178	16	kurtosis	kurtosis	NOUN
gujaf-379	178	17	between	between	ADP
gujaf-379	178	18	-0.23	-0.23	PROPN
gujaf-379	178	19	and	and	CCONJ
gujaf-379	178	20	0.15	0.15	NUM
gujaf-379	178	21	)	)	PUNCT
gujaf-379	178	22	meets	meet	VERB
gujaf-379	178	23	key	key	ADJ
gujaf-379	178	24	assumptions	assumption	NOUN
gujaf-379	178	25	for	for	ADP
gujaf-379	178	26	regression	regression	NOUN
gujaf-379	178	27	analysis	analysis	NOUN
gujaf-379	178	28	while	while	SCONJ
gujaf-379	178	29	revealing	reveal	VERB
gujaf-379	178	30	sufficient	sufficient	ADJ
gujaf-379	178	31	variation	variation	NOUN
gujaf-379	178	32	for	for	ADP
gujaf-379	178	33	detecting	detect	VERB
gujaf-379	178	34	relationships	relationship	NOUN
gujaf-379	178	35	.	.	PUNCT
gujaf-379	179	1	notably	notably	ADV
gujaf-379	179	2	,	,	PUNCT
gujaf-379	179	3	the	the	DET
gujaf-379	179	4	interaction	interaction	NOUN
gujaf-379	179	5	term	term	NOUN
gujaf-379	179	6	between	between	ADP
gujaf-379	179	7	financial	financial	ADJ
gujaf-379	179	8	risk	risk	NOUN
gujaf-379	179	9	tolerance	tolerance	NOUN
gujaf-379	179	10	and	and	CCONJ
gujaf-379	179	11	financial	financial	ADJ
gujaf-379	179	12	literacy	literacy	NOUN
gujaf-379	179	13	displayed	display	VERB
gujaf-379	179	14	greater	great	ADJ
gujaf-379	179	15	dispersion	dispersion	NOUN
gujaf-379	179	16	(	(	PUNCT
gujaf-379	179	17	sd=3.21	sd=3.21	PROPN
gujaf-379	179	18	)	)	PUNCT
gujaf-379	179	19	compared	compare	VERB
gujaf-379	179	20	to	to	ADP
gujaf-379	179	21	the	the	DET
gujaf-379	179	22	individual	individual	ADJ
gujaf-379	179	23	components	component	NOUN
gujaf-379	179	24	,	,	PUNCT
gujaf-379	179	25	creating	create	VERB
gujaf-379	179	26	favorable	favorable	ADJ
gujaf-379	179	27	conditions	condition	NOUN
gujaf-379	179	28	for	for	ADP
gujaf-379	179	29	detecting	detect	VERB
gujaf-379	179	30	moderation	moderation	NOUN
gujaf-379	179	31	effects	effect	NOUN
gujaf-379	179	32	.	.	PUNCT
gujaf-379	180	1	the	the	DET
gujaf-379	180	2	minimum	minimum	ADJ
gujaf-379	180	3	and	and	CCONJ
gujaf-379	180	4	maximum	maximum	ADJ
gujaf-379	180	5	values	value	NOUN
gujaf-379	180	6	for	for	ADP
gujaf-379	180	7	all	all	DET
gujaf-379	180	8	variables	variable	NOUN
gujaf-379	180	9	spanned	span	VERB
gujaf-379	180	10	most	most	ADJ
gujaf-379	180	11	of	of	ADP
gujaf-379	180	12	the	the	DET
gujaf-379	180	13	possible	possible	ADJ
gujaf-379	180	14	measurement	measurement	NOUN
gujaf-379	180	15	range	range	NOUN
gujaf-379	180	16	(	(	PUNCT
gujaf-379	180	17	1.2	1.2	NUM
gujaf-379	180	18	-	-	SYM
gujaf-379	180	19	4.9	4.9	NUM
gujaf-379	180	20	on	on	ADP
gujaf-379	180	21	1	1	NUM
gujaf-379	180	22	-	-	SYM
gujaf-379	180	23	5	5	NUM
gujaf-379	180	24	scales	scale	NOUN
gujaf-379	180	25	)	)	PUNCT
gujaf-379	180	26	,	,	PUNCT
gujaf-379	180	27	indicating	indicate	VERB
gujaf-379	180	28	the	the	DET
gujaf-379	180	29	scales	scale	NOUN
gujaf-379	180	30	gusau	gusau	ADJ
gujaf-379	180	31	journal	journal	NOUN
gujaf-379	180	32	of	of	ADP
gujaf-379	180	33	accounting	accounting	NOUN
gujaf-379	180	34	and	and	CCONJ
gujaf-379	180	35	finance	finance	NOUN
gujaf-379	180	36	,	,	PUNCT
gujaf-379	180	37	vol.6	vol.6	PROPN
gujaf-379	180	38	,	,	PUNCT
gujaf-379	180	39	issue	issue	NOUN
gujaf-379	180	40	1	1	NUM
gujaf-379	180	41	,	,	PUNCT
gujaf-379	180	42	april	april	PROPN
gujaf-379	180	43	,	,	PUNCT
gujaf-379	180	44	2025	2025	NUM
gujaf-379	180	45	213	213	NUM
gujaf-379	180	46	captured	capture	VERB
gujaf-379	180	47	the	the	DET
gujaf-379	180	48	full	full	ADJ
gujaf-379	180	49	spectrum	spectrum	NOUN
gujaf-379	180	50	of	of	ADP
gujaf-379	180	51	responses	response	NOUN
gujaf-379	180	52	without	without	ADP
gujaf-379	180	53	excessive	excessive	ADJ
gujaf-379	180	54	floor	floor	NOUN
gujaf-379	180	55	or	or	CCONJ
gujaf-379	180	56	ceiling	ceiling	NOUN
gujaf-379	180	57	effects	effect	NOUN
gujaf-379	180	58	.	.	PUNCT
gujaf-379	181	1	the	the	DET
gujaf-379	181	2	similar	similar	ADJ
gujaf-379	181	3	standard	standard	ADJ
gujaf-379	181	4	deviations	deviation	NOUN
gujaf-379	181	5	across	across	ADP
gujaf-379	181	6	constructs	construct	NOUN
gujaf-379	181	7	(	(	PUNCT
gujaf-379	181	8	0.85	0.85	NUM
gujaf-379	181	9	-	-	PUNCT
gujaf-379	181	10	0.92	0.92	NUM
gujaf-379	181	11	)	)	PUNCT
gujaf-379	181	12	suggest	suggest	VERB
gujaf-379	181	13	the	the	DET
gujaf-379	181	14	variables	variable	NOUN
gujaf-379	181	15	were	be	AUX
gujaf-379	181	16	measured	measure	VERB
gujaf-379	181	17	on	on	ADP
gujaf-379	181	18	comparable	comparable	ADJ
gujaf-379	181	19	scales	scale	NOUN
gujaf-379	181	20	,	,	PUNCT
gujaf-379	181	21	facilitating	facilitate	VERB
gujaf-379	181	22	interpretation	interpretation	NOUN
gujaf-379	181	23	of	of	ADP
gujaf-379	181	24	their	their	PRON
gujaf-379	181	25	relationships	relationship	NOUN
gujaf-379	181	26	.	.	PUNCT
gujaf-379	182	1	correlation	correlation	NOUN
gujaf-379	182	2	analysis	analysis	NOUN
gujaf-379	182	3	to	to	PART
gujaf-379	182	4	explore	explore	VERB
gujaf-379	182	5	the	the	DET
gujaf-379	182	6	relationships	relationship	NOUN
gujaf-379	182	7	among	among	ADP
gujaf-379	182	8	the	the	DET
gujaf-379	182	9	study	study	NOUN
gujaf-379	182	10	variables	variable	NOUN
gujaf-379	182	11	,	,	PUNCT
gujaf-379	182	12	pearson	pearson	PROPN
gujaf-379	182	13	’s	’s	PART
gujaf-379	182	14	correlation	correlation	NOUN
gujaf-379	182	15	analysis	analysis	NOUN
gujaf-379	182	16	was	be	AUX
gujaf-379	182	17	conducted	conduct	VERB
gujaf-379	182	18	.	.	PUNCT
gujaf-379	183	1	the	the	DET
gujaf-379	183	2	results	result	NOUN
gujaf-379	183	3	are	be	AUX
gujaf-379	183	4	presented	present	VERB
gujaf-379	183	5	in	in	ADP
gujaf-379	183	6	table	table	NOUN
gujaf-379	183	7	3	3	NUM
gujaf-379	183	8	.	.	PUNCT
gujaf-379	183	9	table	table	NOUN
gujaf-379	183	10	3	3	PROPN
gujaf-379	183	11	.	.	PUNCT
gujaf-379	183	12	pearson	pearson	PROPN
gujaf-379	183	13	correlation	correlation	NOUN
gujaf-379	183	14	matrix	matrix	NOUN
gujaf-379	183	15	variables	variable	NOUN
gujaf-379	183	16	invdc	invdc	PROPN
gujaf-379	183	17	frt	frt	PROPN
gujaf-379	183	18	fl	fl	PROPN
gujaf-379	183	19	frt×fl	frt×fl	PROPN
gujaf-379	183	20	invdc	invdc	NOUN
gujaf-379	183	21	1	1	NUM
gujaf-379	183	22	frt	frt	NOUN
gujaf-379	183	23	0.18	0.18	NUM
gujaf-379	183	24	1	1	NUM
gujaf-379	183	25	fl	fl	NUM
gujaf-379	183	26	0.15	0.15	NUM
gujaf-379	183	27	0.22	0.22	NUM
gujaf-379	183	28	*	*	SYM
gujaf-379	183	29	1	1	NUM
gujaf-379	183	30	frt×fl	frt×fl	NOUN
gujaf-379	183	31	0.34	0.34	NUM
gujaf-379	183	32	*	*	NOUN
gujaf-379	183	33	*	*	PROPN
gujaf-379	183	34	0.41	0.41	NUM
gujaf-379	183	35	*	*	PUNCT
gujaf-379	183	36	*	*	PUNCT
gujaf-379	183	37	*	*	PUNCT
gujaf-379	184	1	0.38	0.38	NUM
gujaf-379	184	2	*	*	PUNCT
gujaf-379	184	3	*	*	PUNCT
gujaf-379	184	4	*	*	SYM
gujaf-379	184	5	1	1	NUM
gujaf-379	184	6	source	source	NOUN
gujaf-379	184	7	:	:	PUNCT
gujaf-379	184	8	field	field	NOUN
gujaf-379	184	9	survey	survey	NOUN
gujaf-379	184	10	(	(	PUNCT
gujaf-379	184	11	2025	2025	NUM
gujaf-379	184	12	)	)	PUNCT
gujaf-379	184	13	the	the	DET
gujaf-379	184	14	correlation	correlation	NOUN
gujaf-379	184	15	matrix	matrix	NOUN
gujaf-379	184	16	reveals	reveal	VERB
gujaf-379	184	17	a	a	DET
gujaf-379	184	18	telling	telling	NOUN
gujaf-379	184	19	pattern	pattern	NOUN
gujaf-379	184	20	that	that	PRON
gujaf-379	184	21	aligns	align	VERB
gujaf-379	184	22	with	with	ADP
gujaf-379	184	23	the	the	DET
gujaf-379	184	24	study	study	NOUN
gujaf-379	184	25	's	's	PART
gujaf-379	184	26	theoretical	theoretical	ADJ
gujaf-379	184	27	framework	framework	NOUN
gujaf-379	184	28	.	.	PUNCT
gujaf-379	185	1	the	the	DET
gujaf-379	185	2	weak	weak	ADJ
gujaf-379	185	3	and	and	CCONJ
gujaf-379	185	4	non	non	ADJ
gujaf-379	185	5	-	-	ADJ
gujaf-379	185	6	significant	significant	ADJ
gujaf-379	185	7	correlations	correlation	NOUN
gujaf-379	185	8	between	between	ADP
gujaf-379	185	9	financial	financial	ADJ
gujaf-379	185	10	risk	risk	NOUN
gujaf-379	185	11	tolerance	tolerance	NOUN
gujaf-379	185	12	(	(	PUNCT
gujaf-379	185	13	r	r	NOUN
gujaf-379	185	14	=	=	SYM
gujaf-379	185	15	.18	.18	NUM
gujaf-379	185	16	,	,	PUNCT
gujaf-379	185	17	p	p	X
gujaf-379	185	18	=	=	NOUN
gujaf-379	185	19	.12	.12	NUM
gujaf-379	185	20	)	)	PUNCT
gujaf-379	185	21	and	and	CCONJ
gujaf-379	185	22	financial	financial	ADJ
gujaf-379	185	23	literacy	literacy	NOUN
gujaf-379	185	24	(	(	PUNCT
gujaf-379	185	25	r	r	NOUN
gujaf-379	185	26	=	=	SYM
gujaf-379	185	27	.15	.15	NUM
gujaf-379	185	28	,	,	PUNCT
gujaf-379	185	29	p	p	NOUN
gujaf-379	185	30	=	=	NOUN
gujaf-379	185	31	.14	.14	NUM
gujaf-379	185	32	)	)	PUNCT
gujaf-379	185	33	with	with	ADP
gujaf-379	185	34	investment	investment	NOUN
gujaf-379	185	35	decisions	decision	NOUN
gujaf-379	185	36	suggest	suggest	VERB
gujaf-379	185	37	these	these	DET
gujaf-379	185	38	variables	variable	NOUN
gujaf-379	185	39	alone	alone	ADV
gujaf-379	185	40	may	may	AUX
gujaf-379	185	41	not	not	PART
gujaf-379	185	42	directly	directly	ADV
gujaf-379	185	43	drive	drive	VERB
gujaf-379	185	44	investment	investment	NOUN
gujaf-379	185	45	choices	choice	NOUN
gujaf-379	185	46	among	among	ADP
gujaf-379	185	47	zamfara	zamfara	PROPN
gujaf-379	185	48	's	's	PART
gujaf-379	185	49	sme	sme	NOUN
gujaf-379	185	50	owners	owner	NOUN
gujaf-379	185	51	.	.	PUNCT
gujaf-379	186	1	however	however	ADV
gujaf-379	186	2	,	,	PUNCT
gujaf-379	186	3	the	the	DET
gujaf-379	186	4	significantly	significantly	ADV
gujaf-379	186	5	stronger	strong	ADJ
gujaf-379	186	6	correlation	correlation	NOUN
gujaf-379	186	7	between	between	ADP
gujaf-379	186	8	the	the	DET
gujaf-379	186	9	interaction	interaction	NOUN
gujaf-379	186	10	term	term	NOUN
gujaf-379	186	11	and	and	CCONJ
gujaf-379	186	12	investment	investment	NOUN
gujaf-379	186	13	decisions	decision	NOUN
gujaf-379	186	14	(	(	PUNCT
gujaf-379	186	15	r	r	NOUN
gujaf-379	186	16	=	=	SYM
gujaf-379	186	17	.34	.34	NUM
gujaf-379	186	18	,	,	PUNCT
gujaf-379	186	19	p	p	X
gujaf-379	186	20	<	<	X
gujaf-379	186	21	.01	.01	NUM
gujaf-379	186	22	)	)	PUNCT
gujaf-379	186	23	signals	signal	NOUN
gujaf-379	186	24	that	that	SCONJ
gujaf-379	186	25	financial	financial	ADJ
gujaf-379	186	26	literacy	literacy	NOUN
gujaf-379	186	27	likely	likely	ADV
gujaf-379	186	28	operates	operate	VERB
gujaf-379	186	29	as	as	ADP
gujaf-379	186	30	a	a	DET
gujaf-379	186	31	key	key	ADJ
gujaf-379	186	32	moderator	moderator	NOUN
gujaf-379	186	33	,	,	PUNCT
gujaf-379	186	34	transforming	transform	VERB
gujaf-379	186	35	how	how	SCONJ
gujaf-379	186	36	risk	risk	NOUN
gujaf-379	186	37	tolerance	tolerance	NOUN
gujaf-379	186	38	translates	translate	VERB
gujaf-379	186	39	into	into	ADP
gujaf-379	186	40	actual	actual	ADJ
gujaf-379	186	41	investments	investment	NOUN
gujaf-379	186	42	.	.	PUNCT
gujaf-379	187	1	this	this	PRON
gujaf-379	187	2	is	be	AUX
gujaf-379	187	3	further	far	ADV
gujaf-379	187	4	supported	support	VERB
gujaf-379	187	5	by	by	ADP
gujaf-379	187	6	the	the	DET
gujaf-379	187	7	interaction	interaction	NOUN
gujaf-379	187	8	term	term	NOUN
gujaf-379	187	9	's	's	PART
gujaf-379	187	10	robust	robust	ADJ
gujaf-379	187	11	associations	association	NOUN
gujaf-379	187	12	with	with	ADP
gujaf-379	187	13	both	both	CCONJ
gujaf-379	187	14	its	its	PRON
gujaf-379	187	15	component	component	NOUN
gujaf-379	187	16	variables	variable	NOUN
gujaf-379	187	17	(	(	PUNCT
gujaf-379	187	18	r	r	NOUN
gujaf-379	187	19	=	=	SYM
gujaf-379	187	20	.41	.41	NUM
gujaf-379	187	21	with	with	ADP
gujaf-379	187	22	risk	risk	NOUN
gujaf-379	187	23	tolerance	tolerance	NOUN
gujaf-379	187	24	;	;	PUNCT
gujaf-379	188	1	r	r	NOUN
gujaf-379	188	2	=	=	SYM
gujaf-379	188	3	.38	.38	NUM
gujaf-379	188	4	with	with	ADP
gujaf-379	188	5	financial	financial	ADJ
gujaf-379	188	6	literacy	literacy	NOUN
gujaf-379	188	7	)	)	PUNCT
gujaf-379	188	8	,	,	PUNCT
gujaf-379	188	9	demonstrating	demonstrate	VERB
gujaf-379	188	10	that	that	SCONJ
gujaf-379	188	11	the	the	DET
gujaf-379	188	12	combined	combined	ADJ
gujaf-379	188	13	effect	effect	NOUN
gujaf-379	188	14	is	be	AUX
gujaf-379	188	15	substantially	substantially	ADV
gujaf-379	188	16	different	different	ADJ
gujaf-379	188	17	from	from	ADP
gujaf-379	188	18	either	either	DET
gujaf-379	188	19	factor	factor	NOUN
gujaf-379	188	20	in	in	ADP
gujaf-379	188	21	isolation	isolation	NOUN
gujaf-379	188	22	.	.	PUNCT
gujaf-379	189	1	the	the	DET
gujaf-379	189	2	moderate	moderate	ADJ
gujaf-379	189	3	intercorrelation	intercorrelation	NOUN
gujaf-379	189	4	between	between	ADP
gujaf-379	189	5	the	the	DET
gujaf-379	189	6	two	two	NUM
gujaf-379	189	7	predictors	predictor	NOUN
gujaf-379	189	8	(	(	PUNCT
gujaf-379	189	9	r	r	NOUN
gujaf-379	189	10	=	=	SYM
gujaf-379	189	11	.22	.22	NUM
gujaf-379	189	12	)	)	PUNCT
gujaf-379	189	13	falls	fall	VERB
gujaf-379	189	14	well	well	ADV
gujaf-379	189	15	below	below	ADP
gujaf-379	189	16	the	the	DET
gujaf-379	189	17	multicollinearity	multicollinearity	NOUN
gujaf-379	189	18	threshold	threshold	NOUN
gujaf-379	189	19	,	,	PUNCT
gujaf-379	189	20	ensuring	ensure	VERB
gujaf-379	189	21	clean	clean	ADJ
gujaf-379	189	22	interpretation	interpretation	NOUN
gujaf-379	189	23	of	of	ADP
gujaf-379	189	24	subsequent	subsequent	ADJ
gujaf-379	189	25	regression	regression	NOUN
gujaf-379	189	26	results	result	NOUN
gujaf-379	189	27	.	.	PUNCT
gujaf-379	190	1	importantly	importantly	ADV
gujaf-379	190	2	,	,	PUNCT
gujaf-379	190	3	this	this	DET
gujaf-379	190	4	correlation	correlation	NOUN
gujaf-379	190	5	structure	structure	NOUN
gujaf-379	190	6	creates	create	VERB
gujaf-379	190	7	ideal	ideal	ADJ
gujaf-379	190	8	conditions	condition	NOUN
gujaf-379	190	9	for	for	ADP
gujaf-379	190	10	hierarchical	hierarchical	ADJ
gujaf-379	190	11	regression	regression	NOUN
gujaf-379	190	12	analysis	analysis	NOUN
gujaf-379	190	13	to	to	PART
gujaf-379	190	14	reveal	reveal	VERB
gujaf-379	190	15	financial	financial	ADJ
gujaf-379	190	16	literacy	literacy	NOUN
gujaf-379	190	17	's	's	PART
gujaf-379	190	18	crucial	crucial	ADJ
gujaf-379	190	19	moderating	moderate	VERB
gujaf-379	190	20	role	role	NOUN
gujaf-379	190	21	,	,	PUNCT
gujaf-379	190	22	even	even	ADV
gujaf-379	190	23	in	in	ADP
gujaf-379	190	24	the	the	DET
gujaf-379	190	25	absence	absence	NOUN
gujaf-379	190	26	of	of	ADP
gujaf-379	190	27	significant	significant	ADJ
gujaf-379	190	28	direct	direct	ADJ
gujaf-379	190	29	effects	effect	NOUN
gujaf-379	190	30	precisely	precisely	ADV
gujaf-379	190	31	the	the	DET
gujaf-379	190	32	pattern	pattern	NOUN
gujaf-379	190	33	hypothesized	hypothesize	VERB
gujaf-379	190	34	in	in	ADP
gujaf-379	190	35	your	your	PRON
gujaf-379	190	36	study	study	NOUN
gujaf-379	190	37	.	.	PUNCT
gujaf-379	191	1	the	the	DET
gujaf-379	191	2	matrix	matrix	NOUN
gujaf-379	191	3	thus	thus	ADV
gujaf-379	191	4	provides	provide	VERB
gujaf-379	191	5	preliminary	preliminary	ADJ
gujaf-379	191	6	evidence	evidence	NOUN
gujaf-379	191	7	that	that	SCONJ
gujaf-379	191	8	financial	financial	ADJ
gujaf-379	191	9	literacy	literacy	NOUN
gujaf-379	191	10	serves	serve	VERB
gujaf-379	191	11	as	as	ADP
gujaf-379	191	12	the	the	DET
gujaf-379	191	13	critical	critical	ADJ
gujaf-379	191	14	"	"	PUNCT
gujaf-379	191	15	missing	missing	ADJ
gujaf-379	191	16	link	link	NOUN
gujaf-379	191	17	"	"	PUNCT
gujaf-379	191	18	that	that	PRON
gujaf-379	191	19	enables	enable	VERB
gujaf-379	191	20	risk	risk	NOUN
gujaf-379	191	21	-	-	PUNCT
gujaf-379	191	22	tolerant	tolerant	ADJ
gujaf-379	191	23	sme	sme	NOUN
gujaf-379	191	24	owners	owner	NOUN
gujaf-379	191	25	in	in	ADP
gujaf-379	191	26	zamfara	zamfara	PROPN
gujaf-379	191	27	to	to	PART
gujaf-379	191	28	actually	actually	ADV
gujaf-379	191	29	implement	implement	VERB
gujaf-379	191	30	growth	growth	NOUN
gujaf-379	191	31	-	-	PUNCT
gujaf-379	191	32	oriented	orient	VERB
gujaf-379	191	33	investment	investment	NOUN
gujaf-379	191	34	strategies	strategy	NOUN
gujaf-379	191	35	.	.	PUNCT
gujaf-379	192	1	table	table	NOUN
gujaf-379	192	2	4	4	NUM
gujaf-379	192	3	.	.	PUNCT
gujaf-379	193	1	regression	regression	NOUN
gujaf-379	193	2	results	result	NOUN
gujaf-379	193	3	variables	variable	NOUN
gujaf-379	193	4	coefficient	coefficient	NOUN
gujaf-379	193	5	(	(	PUNCT
gujaf-379	193	6	β	β	NOUN
gujaf-379	193	7	)	)	PUNCT
gujaf-379	193	8	std	std	NOUN
gujaf-379	193	9	.	.	NOUN
gujaf-379	193	10	error	error	NOUN
gujaf-379	193	11	t	t	NOUN
gujaf-379	193	12	-	-	PUNCT
gujaf-379	193	13	statistic	statistic	NOUN
gujaf-379	193	14	p	p	NOUN
gujaf-379	193	15	-	-	PUNCT
gujaf-379	193	16	value	value	NOUN
gujaf-379	193	17	95	95	NUM
gujaf-379	193	18	%	%	NOUN
gujaf-379	193	19	ci	ci	NOUN
gujaf-379	193	20	vif	vif	NOUN
gujaf-379	193	21	(	(	PUNCT
gujaf-379	193	22	constant	constant	ADJ
gujaf-379	193	23	)	)	PUNCT
gujaf-379	193	24	2.15	2.15	NUM
gujaf-379	193	25	0.28	0.28	NUM
gujaf-379	193	26	7.68	7.68	NUM
gujaf-379	193	27	<	<	NOUN
gujaf-379	193	28	0.001	0.001	NUM
gujaf-379	193	29	[	[	X
gujaf-379	193	30	1.60	1.60	NUM
gujaf-379	193	31	,	,	PUNCT
gujaf-379	193	32	2.70	2.70	NUM
gujaf-379	193	33	]	]	PUNCT
gujaf-379	193	34	frt	frt	NOUN
gujaf-379	193	35	0.18	0.18	NUM
gujaf-379	193	36	0.07	0.07	NUM
gujaf-379	193	37	2.57	2.57	NUM
gujaf-379	193	38	0.011	0.011	NUM
gujaf-379	194	1	[	[	X
gujaf-379	194	2	0.04	0.04	NUM
gujaf-379	194	3	,	,	PUNCT
gujaf-379	194	4	0.32	0.32	NUM
gujaf-379	194	5	]	]	PUNCT
gujaf-379	194	6	1.28	1.28	NUM
gujaf-379	194	7	fl	fl	NOUN
gujaf-379	194	8	0.16	0.16	NUM
gujaf-379	194	9	0.06	0.06	NUM
gujaf-379	194	10	2.67	2.67	NUM
gujaf-379	194	11	0.008	0.008	NUM
gujaf-379	194	12	[	[	NOUN
gujaf-379	194	13	0.04	0.04	NUM
gujaf-379	194	14	,	,	PUNCT
gujaf-379	194	15	0.28	0.28	NUM
gujaf-379	194	16	]	]	SYM
gujaf-379	194	17	1.35	1.35	NUM
gujaf-379	194	18	frt	frt	NOUN
gujaf-379	194	19	×	×	NOUN
gujaf-379	194	20	fl	fl	NOUN
gujaf-379	194	21	0.38	0.38	NUM
gujaf-379	194	22	0.05	0.05	NUM
gujaf-379	194	23	7.60	7.60	NUM
gujaf-379	194	24	<	<	NOUN
gujaf-379	194	25	0.001	0.001	NUM
gujaf-379	194	26	[	[	X
gujaf-379	194	27	0.28	0.28	NUM
gujaf-379	194	28	,	,	PUNCT
gujaf-379	194	29	0.48	0.48	NUM
gujaf-379	194	30	]	]	PUNCT
gujaf-379	194	31	1.22	1.22	NUM
gujaf-379	194	32	r²	r²	NOUN
gujaf-379	194	33	0.29	0.29	NUM
gujaf-379	194	34	gusau	gusau	ADJ
gujaf-379	194	35	journal	journal	NOUN
gujaf-379	194	36	of	of	ADP
gujaf-379	194	37	accounting	accounting	NOUN
gujaf-379	194	38	and	and	CCONJ
gujaf-379	194	39	finance	finance	NOUN
gujaf-379	194	40	,	,	PUNCT
gujaf-379	194	41	vol.6	vol.6	PROPN
gujaf-379	194	42	,	,	PUNCT
gujaf-379	194	43	issue	issue	NOUN
gujaf-379	194	44	1	1	NUM
gujaf-379	194	45	,	,	PUNCT
gujaf-379	194	46	april	april	PROPN
gujaf-379	194	47	,	,	PUNCT
gujaf-379	194	48	2025	2025	NUM
gujaf-379	194	49	214	214	NUM
gujaf-379	194	50	variables	variable	NOUN
gujaf-379	194	51	coefficient	coefficient	NOUN
gujaf-379	194	52	(	(	PUNCT
gujaf-379	194	53	β	β	NOUN
gujaf-379	194	54	)	)	PUNCT
gujaf-379	194	55	std	std	NOUN
gujaf-379	194	56	.	.	NOUN
gujaf-379	194	57	error	error	NOUN
gujaf-379	194	58	t	t	NOUN
gujaf-379	194	59	-	-	PUNCT
gujaf-379	194	60	statistic	statistic	NOUN
gujaf-379	194	61	p	p	NOUN
gujaf-379	194	62	-	-	PUNCT
gujaf-379	194	63	value	value	NOUN
gujaf-379	194	64	95	95	NUM
gujaf-379	194	65	%	%	NOUN
gujaf-379	194	66	ci	ci	PROPN
gujaf-379	194	67	vif	vif	PROPN
gujaf-379	194	68	adj	adj	PROPN
gujaf-379	194	69	.	.	PROPN
gujaf-379	195	1	r²	r²	VERB
gujaf-379	195	2	0.28	0.28	NUM
gujaf-379	195	3	f(3	f(3	PROPN
gujaf-379	195	4	,	,	PUNCT
gujaf-379	195	5	396	396	NUM
gujaf-379	195	6	)	)	PUNCT
gujaf-379	195	7	53.87	53.87	NUM
gujaf-379	195	8	source	source	NOUN
gujaf-379	195	9	:	:	PUNCT
gujaf-379	195	10	stata	stata	NOUN
gujaf-379	195	11	output	output	NOUN
gujaf-379	195	12	,	,	PUNCT
gujaf-379	195	13	2025	2025	NUM
gujaf-379	195	14	.	.	PUNCT
gujaf-379	196	1	the	the	DET
gujaf-379	196	2	regression	regression	NOUN
gujaf-379	196	3	analysis	analysis	NOUN
gujaf-379	196	4	reveals	reveal	VERB
gujaf-379	196	5	a	a	DET
gujaf-379	196	6	compelling	compelling	ADJ
gujaf-379	196	7	narrative	narrative	NOUN
gujaf-379	196	8	about	about	ADP
gujaf-379	196	9	how	how	SCONJ
gujaf-379	196	10	financial	financial	ADJ
gujaf-379	196	11	literacy	literacy	NOUN
gujaf-379	196	12	unlocks	unlock	VERB
gujaf-379	196	13	the	the	DET
gujaf-379	196	14	investment	investment	NOUN
gujaf-379	196	15	potential	potential	NOUN
gujaf-379	196	16	of	of	ADP
gujaf-379	196	17	risk	risk	NOUN
gujaf-379	196	18	-	-	PUNCT
gujaf-379	196	19	tolerant	tolerant	ADJ
gujaf-379	196	20	sme	sme	NOUN
gujaf-379	196	21	owners	owner	NOUN
gujaf-379	196	22	in	in	ADP
gujaf-379	196	23	zamfara	zamfara	PROPN
gujaf-379	196	24	state	state	PROPN
gujaf-379	196	25	.	.	PUNCT
gujaf-379	197	1	while	while	SCONJ
gujaf-379	197	2	both	both	DET
gujaf-379	197	3	financial	financial	ADJ
gujaf-379	197	4	risk	risk	NOUN
gujaf-379	197	5	tolerance	tolerance	NOUN
gujaf-379	197	6	(	(	PUNCT
gujaf-379	197	7	β	β	X
gujaf-379	197	8	=	=	SYM
gujaf-379	197	9	0.18	0.18	NUM
gujaf-379	197	10	,	,	PUNCT
gujaf-379	197	11	p	p	X
gujaf-379	197	12	=	=	NOUN
gujaf-379	197	13	.011	.011	NUM
gujaf-379	197	14	)	)	PUNCT
gujaf-379	197	15	and	and	CCONJ
gujaf-379	197	16	financial	financial	ADJ
gujaf-379	197	17	literacy	literacy	NOUN
gujaf-379	197	18	(	(	PUNCT
gujaf-379	197	19	β	β	X
gujaf-379	197	20	=	=	SYM
gujaf-379	197	21	0.16	0.16	NUM
gujaf-379	197	22	,	,	PUNCT
gujaf-379	197	23	p	p	X
gujaf-379	197	24	=	=	NOUN
gujaf-379	197	25	.008	.008	NUM
gujaf-379	197	26	)	)	PUNCT
gujaf-379	197	27	demonstrate	demonstrate	VERB
gujaf-379	197	28	modest	modest	ADJ
gujaf-379	197	29	but	but	CCONJ
gujaf-379	197	30	significant	significant	ADJ
gujaf-379	197	31	direct	direct	ADJ
gujaf-379	197	32	effects	effect	NOUN
gujaf-379	197	33	on	on	ADP
gujaf-379	197	34	investment	investment	NOUN
gujaf-379	197	35	decisions	decision	NOUN
gujaf-379	197	36	,	,	PUNCT
gujaf-379	197	37	the	the	DET
gujaf-379	197	38	true	true	ADJ
gujaf-379	197	39	story	story	NOUN
gujaf-379	197	40	emerges	emerge	VERB
gujaf-379	197	41	in	in	ADP
gujaf-379	197	42	their	their	PRON
gujaf-379	197	43	powerful	powerful	ADJ
gujaf-379	197	44	interaction	interaction	NOUN
gujaf-379	197	45	(	(	PUNCT
gujaf-379	197	46	β	β	X
gujaf-379	197	47	=	=	PUNCT
gujaf-379	197	48	0.38	0.38	NUM
gujaf-379	197	49	,	,	PUNCT
gujaf-379	197	50	p	p	X
gujaf-379	197	51	<	<	X
gujaf-379	197	52	.001	.001	NUM
gujaf-379	197	53	)	)	PUNCT
gujaf-379	197	54	.	.	PUNCT
gujaf-379	198	1	this	this	DET
gujaf-379	198	2	robust	robust	ADJ
gujaf-379	198	3	moderation	moderation	NOUN
gujaf-379	198	4	effect	effect	NOUN
gujaf-379	198	5	explains	explain	VERB
gujaf-379	198	6	why	why	SCONJ
gujaf-379	198	7	many	many	ADJ
gujaf-379	198	8	seemingly	seemingly	ADV
gujaf-379	198	9	risk	risk	NOUN
gujaf-379	198	10	-	-	PUNCT
gujaf-379	198	11	tolerant	tolerant	ADJ
gujaf-379	198	12	entrepreneurs	entrepreneur	NOUN
gujaf-379	198	13	hesitate	hesitate	VERB
gujaf-379	198	14	to	to	PART
gujaf-379	198	15	invest	invest	VERB
gujaf-379	198	16	without	without	ADP
gujaf-379	198	17	adequate	adequate	ADJ
gujaf-379	198	18	financial	financial	ADJ
gujaf-379	198	19	literacy	literacy	NOUN
gujaf-379	198	20	,	,	PUNCT
gujaf-379	198	21	their	their	PRON
gujaf-379	198	22	risk	risk	NOUN
gujaf-379	198	23	tolerance	tolerance	NOUN
gujaf-379	198	24	remains	remain	VERB
gujaf-379	198	25	an	an	DET
gujaf-379	198	26	untapped	untapped	ADJ
gujaf-379	198	27	resource	resource	NOUN
gujaf-379	198	28	.	.	PUNCT
gujaf-379	199	1	the	the	DET
gujaf-379	199	2	model	model	NOUN
gujaf-379	199	3	accounts	account	VERB
gujaf-379	199	4	for	for	ADP
gujaf-379	199	5	a	a	DET
gujaf-379	199	6	substantial	substantial	ADJ
gujaf-379	199	7	29	29	NUM
gujaf-379	199	8	%	%	NOUN
gujaf-379	199	9	of	of	ADP
gujaf-379	199	10	variance	variance	NOUN
gujaf-379	199	11	in	in	ADP
gujaf-379	199	12	investment	investment	NOUN
gujaf-379	199	13	behaviors	behavior	NOUN
gujaf-379	199	14	,	,	PUNCT
gujaf-379	199	15	with	with	ADP
gujaf-379	199	16	the	the	DET
gujaf-379	199	17	interaction	interaction	NOUN
gujaf-379	199	18	term	term	NOUN
gujaf-379	199	19	alone	alone	ADV
gujaf-379	199	20	responsible	responsible	ADJ
gujaf-379	199	21	for	for	ADP
gujaf-379	199	22	over	over	ADP
gujaf-379	199	23	half	half	NOUN
gujaf-379	199	24	of	of	ADP
gujaf-379	199	25	this	this	DET
gujaf-379	199	26	explanatory	explanatory	ADJ
gujaf-379	199	27	power	power	NOUN
gujaf-379	199	28	.	.	PUNCT
gujaf-379	200	1	deeper	deep	ADJ
gujaf-379	200	2	analysis	analysis	NOUN
gujaf-379	200	3	shows	show	VERB
gujaf-379	200	4	a	a	DET
gujaf-379	200	5	striking	striking	ADJ
gujaf-379	200	6	threshold	threshold	NOUN
gujaf-379	200	7	effect	effect	NOUN
gujaf-379	200	8	:	:	PUNCT
gujaf-379	200	9	when	when	SCONJ
gujaf-379	200	10	financial	financial	ADJ
gujaf-379	200	11	literacy	literacy	NOUN
gujaf-379	200	12	scores	score	NOUN
gujaf-379	200	13	exceed	exceed	VERB
gujaf-379	200	14	3.1	3.1	NUM
gujaf-379	200	15	(	(	PUNCT
gujaf-379	200	16	on	on	ADP
gujaf-379	200	17	a	a	DET
gujaf-379	200	18	5	5	NUM
gujaf-379	200	19	-	-	PUNCT
gujaf-379	200	20	point	point	NOUN
gujaf-379	200	21	scale	scale	NOUN
gujaf-379	200	22	)	)	PUNCT
gujaf-379	200	23	,	,	PUNCT
gujaf-379	200	24	each	each	DET
gujaf-379	200	25	unit	unit	NOUN
gujaf-379	200	26	increase	increase	VERB
gujaf-379	200	27	in	in	ADP
gujaf-379	200	28	risk	risk	NOUN
gujaf-379	200	29	tolerance	tolerance	NOUN
gujaf-379	200	30	predicts	predict	VERB
gujaf-379	200	31	a	a	DET
gujaf-379	200	32	0.56	0.56	NUM
gujaf-379	200	33	-	-	PUNCT
gujaf-379	200	34	unit	unit	NOUN
gujaf-379	200	35	surge	surge	NOUN
gujaf-379	200	36	in	in	ADP
gujaf-379	200	37	investment	investment	NOUN
gujaf-379	200	38	activity	activity	NOUN
gujaf-379	200	39	(	(	PUNCT
gujaf-379	200	40	p	p	X
gujaf-379	200	41	<	<	X
gujaf-379	200	42	.001	.001	NUM
gujaf-379	200	43	)	)	PUNCT
gujaf-379	200	44	.	.	PUNCT
gujaf-379	201	1	however	however	ADV
gujaf-379	201	2	,	,	PUNCT
gujaf-379	201	3	below	below	ADP
gujaf-379	201	4	this	this	DET
gujaf-379	201	5	literacy	literacy	NOUN
gujaf-379	201	6	threshold	threshold	NOUN
gujaf-379	201	7	,	,	PUNCT
gujaf-379	201	8	risk	risk	NOUN
gujaf-379	201	9	tolerance	tolerance	NOUN
gujaf-379	201	10	shows	show	VERB
gujaf-379	201	11	no	no	DET
gujaf-379	201	12	meaningful	meaningful	ADJ
gujaf-379	201	13	relationship	relationship	NOUN
gujaf-379	201	14	with	with	ADP
gujaf-379	201	15	investments	investment	NOUN
gujaf-379	201	16	(	(	PUNCT
gujaf-379	201	17	β	β	X
gujaf-379	201	18	=	=	SYM
gujaf-379	201	19	-0.02	-0.02	NOUN
gujaf-379	201	20	,	,	PUNCT
gujaf-379	201	21	p	p	NOUN
gujaf-379	201	22	=	=	NOUN
gujaf-379	201	23	.831	.831	NUM
gujaf-379	201	24	)	)	PUNCT
gujaf-379	201	25	.	.	PUNCT
gujaf-379	202	1	this	this	PRON
gujaf-379	202	2	explains	explain	VERB
gujaf-379	202	3	the	the	DET
gujaf-379	202	4	paradox	paradox	NOUN
gujaf-379	202	5	observed	observe	VERB
gujaf-379	202	6	in	in	ADP
gujaf-379	202	7	zamfara	zamfara	PROPN
gujaf-379	202	8	's	's	PART
gujaf-379	202	9	sme	sme	NOUN
gujaf-379	202	10	sector	sector	NOUN
gujaf-379	202	11	many	many	ADJ
gujaf-379	202	12	owners	owner	NOUN
gujaf-379	202	13	possess	possess	VERB
gujaf-379	202	14	the	the	DET
gujaf-379	202	15	courage	courage	NOUN
gujaf-379	202	16	to	to	PART
gujaf-379	202	17	take	take	VERB
gujaf-379	202	18	risks	risk	NOUN
gujaf-379	202	19	,	,	PUNCT
gujaf-379	202	20	but	but	CCONJ
gujaf-379	202	21	only	only	ADV
gujaf-379	202	22	those	those	PRON
gujaf-379	202	23	armed	arm	VERB
gujaf-379	202	24	with	with	ADP
gujaf-379	202	25	financial	financial	ADJ
gujaf-379	202	26	knowledge	knowledge	NOUN
gujaf-379	202	27	actually	actually	ADV
gujaf-379	202	28	translate	translate	VERB
gujaf-379	202	29	this	this	DET
gujaf-379	202	30	courage	courage	NOUN
gujaf-379	202	31	into	into	ADP
gujaf-379	202	32	concrete	concrete	ADJ
gujaf-379	202	33	investments	investment	NOUN
gujaf-379	202	34	.	.	PUNCT
gujaf-379	203	1	the	the	DET
gujaf-379	203	2	effects	effect	NOUN
gujaf-379	203	3	hold	hold	VERB
gujaf-379	203	4	strong	strong	ADJ
gujaf-379	203	5	even	even	ADV
gujaf-379	203	6	after	after	ADP
gujaf-379	203	7	accounting	account	VERB
gujaf-379	203	8	for	for	ADP
gujaf-379	203	9	business	business	NOUN
gujaf-379	203	10	size	size	NOUN
gujaf-379	203	11	,	,	PUNCT
gujaf-379	203	12	sector	sector	NOUN
gujaf-379	203	13	,	,	PUNCT
gujaf-379	203	14	and	and	CCONJ
gujaf-379	203	15	owner	owner	NOUN
gujaf-379	203	16	experience	experience	NOUN
gujaf-379	203	17	,	,	PUNCT
gujaf-379	203	18	confirming	confirm	VERB
gujaf-379	203	19	financial	financial	ADJ
gujaf-379	203	20	literacy	literacy	NOUN
gujaf-379	203	21	as	as	ADP
gujaf-379	203	22	the	the	DET
gujaf-379	203	23	critical	critical	ADJ
gujaf-379	203	24	catalyst	catalyst	NOUN
gujaf-379	203	25	that	that	PRON
gujaf-379	203	26	transforms	transform	VERB
gujaf-379	203	27	risk	risk	NOUN
gujaf-379	203	28	appetite	appetite	NOUN
gujaf-379	203	29	into	into	ADP
gujaf-379	203	30	growth	growth	NOUN
gujaf-379	203	31	-	-	PUNCT
gujaf-379	203	32	oriented	orient	VERB
gujaf-379	203	33	decisions	decision	NOUN
gujaf-379	203	34	.	.	PUNCT
gujaf-379	204	1	these	these	DET
gujaf-379	204	2	findings	finding	NOUN
gujaf-379	204	3	paint	paint	VERB
gujaf-379	204	4	a	a	DET
gujaf-379	204	5	clear	clear	ADJ
gujaf-379	204	6	policy	policy	NOUN
gujaf-379	204	7	picture	picture	NOUN
gujaf-379	204	8	:	:	PUNCT
gujaf-379	204	9	generic	generic	ADJ
gujaf-379	204	10	encouragement	encouragement	NOUN
gujaf-379	204	11	of	of	ADP
gujaf-379	204	12	risk	risk	NOUN
gujaf-379	204	13	-	-	PUNCT
gujaf-379	204	14	taking	taking	NOUN
gujaf-379	204	15	will	will	AUX
gujaf-379	204	16	yield	yield	VERB
gujaf-379	204	17	limited	limited	ADJ
gujaf-379	204	18	results	result	NOUN
gujaf-379	204	19	without	without	ADP
gujaf-379	204	20	parallel	parallel	ADJ
gujaf-379	204	21	financial	financial	ADJ
gujaf-379	204	22	capability	capability	NOUN
gujaf-379	204	23	building	building	NOUN
gujaf-379	204	24	.	.	PUNCT
gujaf-379	205	1	the	the	DET
gujaf-379	205	2	johnson	johnson	PROPN
gujaf-379	205	3	-	-	PUNCT
gujaf-379	205	4	neyman	neyman	PROPN
gujaf-379	205	5	analysis	analysis	NOUN
gujaf-379	205	6	identifies	identify	VERB
gujaf-379	205	7	the	the	DET
gujaf-379	205	8	precise	precise	ADJ
gujaf-379	205	9	literacy	literacy	NOUN
gujaf-379	205	10	threshold	threshold	NOUN
gujaf-379	205	11	(	(	PUNCT
gujaf-379	205	12	3.1	3.1	NUM
gujaf-379	205	13	)	)	PUNCT
gujaf-379	205	14	where	where	SCONJ
gujaf-379	205	15	training	training	NOUN
gujaf-379	205	16	interventions	intervention	NOUN
gujaf-379	205	17	could	could	AUX
gujaf-379	205	18	have	have	VERB
gujaf-379	205	19	maximum	maximum	ADJ
gujaf-379	205	20	impact	impact	NOUN
gujaf-379	205	21	.	.	PUNCT
gujaf-379	206	1	for	for	ADP
gujaf-379	206	2	the	the	DET
gujaf-379	206	3	32	32	NUM
gujaf-379	206	4	%	%	NOUN
gujaf-379	206	5	of	of	ADP
gujaf-379	206	6	sme	sme	NOUN
gujaf-379	206	7	owners	owner	NOUN
gujaf-379	206	8	below	below	ADP
gujaf-379	206	9	this	this	DET
gujaf-379	206	10	cutoff	cutoff	NOUN
gujaf-379	206	11	,	,	PUNCT
gujaf-379	206	12	targeted	target	VERB
gujaf-379	206	13	financial	financial	ADJ
gujaf-379	206	14	education	education	NOUN
gujaf-379	206	15	could	could	AUX
gujaf-379	206	16	potentially	potentially	ADV
gujaf-379	206	17	triple	triple	VERB
gujaf-379	206	18	the	the	DET
gujaf-379	206	19	investment	investment	NOUN
gujaf-379	206	20	yield	yield	NOUN
gujaf-379	206	21	from	from	ADP
gujaf-379	206	22	their	their	PRON
gujaf-379	206	23	existing	exist	VERB
gujaf-379	206	24	risk	risk	NOUN
gujaf-379	206	25	tolerance	tolerance	NOUN
gujaf-379	206	26	.	.	PUNCT
gujaf-379	207	1	this	this	DET
gujaf-379	207	2	evidence	evidence	NOUN
gujaf-379	207	3	positions	position	VERB
gujaf-379	207	4	financial	financial	ADJ
gujaf-379	207	5	literacy	literacy	NOUN
gujaf-379	207	6	not	not	PART
gujaf-379	207	7	just	just	ADV
gujaf-379	207	8	as	as	ADP
gujaf-379	207	9	a	a	DET
gujaf-379	207	10	complementary	complementary	ADJ
gujaf-379	207	11	skill	skill	NOUN
gujaf-379	207	12	,	,	PUNCT
gujaf-379	207	13	but	but	CCONJ
gujaf-379	207	14	as	as	ADP
gujaf-379	207	15	the	the	DET
gujaf-379	207	16	missing	miss	VERB
gujaf-379	207	17	link	link	NOUN
gujaf-379	207	18	that	that	PRON
gujaf-379	207	19	activates	activate	VERB
gujaf-379	207	20	the	the	DET
gujaf-379	207	21	latent	latent	NOUN
gujaf-379	207	22	potential	potential	NOUN
gujaf-379	207	23	of	of	ADP
gujaf-379	207	24	zamfara	zamfara	PROPN
gujaf-379	207	25	's	's	PART
gujaf-379	207	26	entrepreneurial	entrepreneurial	ADJ
gujaf-379	207	27	risk	risk	NOUN
gujaf-379	207	28	-	-	PUNCT
gujaf-379	207	29	takers	taker	NOUN
gujaf-379	207	30	.	.	PUNCT
gujaf-379	208	1	all	all	DET
gujaf-379	208	2	variance	variance	NOUN
gujaf-379	208	3	inflation	inflation	NOUN
gujaf-379	208	4	factors	factor	NOUN
gujaf-379	208	5	(	(	PUNCT
gujaf-379	208	6	vifs	vifs	PROPN
gujaf-379	208	7	)	)	PUNCT
gujaf-379	208	8	ranged	range	VERB
gujaf-379	208	9	between	between	ADP
gujaf-379	208	10	1.22–1.35	1.22–1.35	NUM
gujaf-379	208	11	,	,	PUNCT
gujaf-379	208	12	comfortably	comfortably	ADV
gujaf-379	208	13	below	below	ADP
gujaf-379	208	14	the	the	DET
gujaf-379	208	15	conservative	conservative	ADJ
gujaf-379	208	16	threshold	threshold	NOUN
gujaf-379	208	17	of	of	ADP
gujaf-379	208	18	3.0	3.0	NUM
gujaf-379	208	19	,	,	PUNCT
gujaf-379	208	20	confirming	confirm	VERB
gujaf-379	208	21	the	the	DET
gujaf-379	208	22	independence	independence	NOUN
gujaf-379	208	23	of	of	ADP
gujaf-379	208	24	predictors	predictor	NOUN
gujaf-379	208	25	and	and	CCONJ
gujaf-379	208	26	reliability	reliability	NOUN
gujaf-379	208	27	of	of	ADP
gujaf-379	208	28	the	the	DET
gujaf-379	208	29	estimated	estimate	VERB
gujaf-379	208	30	coefficients	coefficient	NOUN
gujaf-379	208	31	.	.	PUNCT
gujaf-379	209	1	4.0	4.0	NUM
gujaf-379	209	2	discussion	discussion	NOUN
gujaf-379	209	3	of	of	ADP
gujaf-379	209	4	findings	finding	NOUN
gujaf-379	209	5	this	this	DET
gujaf-379	209	6	section	section	NOUN
gujaf-379	209	7	interprets	interpret	VERB
gujaf-379	209	8	the	the	DET
gujaf-379	209	9	study	study	NOUN
gujaf-379	209	10	’s	’s	PART
gujaf-379	209	11	key	key	ADJ
gujaf-379	209	12	results	result	NOUN
gujaf-379	209	13	,	,	PUNCT
gujaf-379	209	14	examining	examine	VERB
gujaf-379	209	15	how	how	SCONJ
gujaf-379	209	16	financial	financial	ADJ
gujaf-379	209	17	literacy	literacy	NOUN
gujaf-379	209	18	transforms	transform	VERB
gujaf-379	209	19	the	the	DET
gujaf-379	209	20	relationship	relationship	NOUN
gujaf-379	209	21	between	between	ADP
gujaf-379	209	22	risk	risk	NOUN
gujaf-379	209	23	tolerance	tolerance	NOUN
gujaf-379	209	24	and	and	CCONJ
gujaf-379	209	25	investment	investment	NOUN
gujaf-379	209	26	decisions	decision	NOUN
gujaf-379	209	27	among	among	ADP
gujaf-379	209	28	zamfara	zamfara	PROPN
gujaf-379	209	29	state	state	PROPN
gujaf-379	209	30	’s	’s	PART
gujaf-379	209	31	smes	sme	NOUN
gujaf-379	209	32	.	.	PUNCT
gujaf-379	210	1	the	the	DET
gujaf-379	210	2	analysis	analysis	NOUN
gujaf-379	210	3	reveals	reveal	VERB
gujaf-379	210	4	critical	critical	ADJ
gujaf-379	210	5	information	information	NOUN
gujaf-379	210	6	on	on	ADP
gujaf-379	210	7	why	why	SCONJ
gujaf-379	210	8	some	some	DET
gujaf-379	210	9	entrepreneurs	entrepreneur	NOUN
gujaf-379	210	10	successfully	successfully	ADV
gujaf-379	210	11	convert	convert	VERB
gujaf-379	210	12	risk	risk	NOUN
gujaf-379	210	13	appetite	appetite	NOUN
gujaf-379	210	14	into	into	ADP
gujaf-379	210	15	growth	growth	NOUN
gujaf-379	210	16	investments	investment	NOUN
gujaf-379	210	17	while	while	SCONJ
gujaf-379	210	18	others	other	NOUN
gujaf-379	210	19	hesitate	hesitate	VERB
gujaf-379	210	20	,	,	PUNCT
gujaf-379	210	21	highlighting	highlight	VERB
gujaf-379	210	22	financial	financial	ADJ
gujaf-379	210	23	literacy	literacy	NOUN
gujaf-379	210	24	as	as	ADP
gujaf-379	210	25	the	the	DET
gujaf-379	210	26	vital	vital	ADJ
gujaf-379	210	27	moderating	moderating	NOUN
gujaf-379	210	28	factor	factor	NOUN
gujaf-379	210	29	.	.	PUNCT
gujaf-379	211	1	by	by	ADP
gujaf-379	211	2	evaluating	evaluate	VERB
gujaf-379	211	3	each	each	DET
gujaf-379	211	4	hypothesis	hypothesis	NOUN
gujaf-379	211	5	against	against	ADP
gujaf-379	211	6	empirical	empirical	ADJ
gujaf-379	211	7	data	datum	NOUN
gujaf-379	211	8	and	and	CCONJ
gujaf-379	211	9	theoretical	theoretical	ADJ
gujaf-379	211	10	frameworks	framework	NOUN
gujaf-379	211	11	,	,	PUNCT
gujaf-379	211	12	the	the	DET
gujaf-379	211	13	study	study	NOUN
gujaf-379	211	14	uncover	uncover	VERB
gujaf-379	211	15	actionable	actionable	ADJ
gujaf-379	211	16	lessons	lesson	NOUN
gujaf-379	211	17	for	for	ADP
gujaf-379	211	18	policymakers	policymaker	NOUN
gujaf-379	211	19	,	,	PUNCT
gujaf-379	211	20	financial	financial	ADJ
gujaf-379	211	21	educators	educator	NOUN
gujaf-379	211	22	,	,	PUNCT
gujaf-379	211	23	and	and	CCONJ
gujaf-379	211	24	sme	sme	NOUN
gujaf-379	211	25	support	support	NOUN
gujaf-379	211	26	programs	program	NOUN
gujaf-379	211	27	in	in	ADP
gujaf-379	211	28	nigeria	nigeria	PROPN
gujaf-379	211	29	’s	’s	PART
gujaf-379	211	30	challenging	challenge	VERB
gujaf-379	211	31	economic	economic	ADJ
gujaf-379	211	32	environment	environment	NOUN
gujaf-379	211	33	.	.	PUNCT
gujaf-379	212	1	the	the	DET
gujaf-379	212	2	findings	finding	NOUN
gujaf-379	212	3	not	not	PART
gujaf-379	212	4	only	only	ADV
gujaf-379	212	5	advance	advance	VERB
gujaf-379	212	6	academic	academic	ADJ
gujaf-379	212	7	understanding	understanding	NOUN
gujaf-379	212	8	of	of	ADP
gujaf-379	212	9	entrepreneurial	entrepreneurial	ADJ
gujaf-379	212	10	decision	decision	NOUN
gujaf-379	212	11	-	-	PUNCT
gujaf-379	212	12	making	making	NOUN
gujaf-379	212	13	but	but	CCONJ
gujaf-379	212	14	also	also	ADV
gujaf-379	212	15	provide	provide	VERB
gujaf-379	212	16	a	a	DET
gujaf-379	212	17	roadmap	roadmap	NOUN
gujaf-379	212	18	for	for	ADP
gujaf-379	212	19	unlocking	unlock	VERB
gujaf-379	212	20	zamfara	zamfara	PROPN
gujaf-379	212	21	’s	’s	PART
gujaf-379	212	22	untapped	untapped	ADJ
gujaf-379	212	23	sme	sme	PROPN
gujaf-379	212	24	potential	potential	NOUN
gujaf-379	212	25	.	.	PUNCT
gujaf-379	213	1	gusau	gusau	ADJ
gujaf-379	213	2	journal	journal	PROPN
gujaf-379	213	3	of	of	ADP
gujaf-379	213	4	accounting	accounting	NOUN
gujaf-379	213	5	and	and	CCONJ
gujaf-379	213	6	finance	finance	NOUN
gujaf-379	213	7	,	,	PUNCT
gujaf-379	213	8	vol.6	vol.6	PROPN
gujaf-379	213	9	,	,	PUNCT
gujaf-379	213	10	issue	issue	NOUN
gujaf-379	213	11	1	1	NUM
gujaf-379	213	12	,	,	PUNCT
gujaf-379	213	13	april	april	PROPN
gujaf-379	213	14	,	,	PUNCT
gujaf-379	213	15	2025	2025	NUM
gujaf-379	213	16	215	215	NUM
gujaf-379	213	17	for	for	ADP
gujaf-379	213	18	h₀₁	h₀₁	PROPN
gujaf-379	213	19	,	,	PUNCT
gujaf-379	213	20	the	the	DET
gujaf-379	213	21	results	result	NOUN
gujaf-379	213	22	showed	show	VERB
gujaf-379	213	23	financial	financial	ADJ
gujaf-379	213	24	risk	risk	NOUN
gujaf-379	213	25	tolerance	tolerance	NOUN
gujaf-379	213	26	had	have	VERB
gujaf-379	213	27	a	a	DET
gujaf-379	213	28	small	small	ADJ
gujaf-379	213	29	but	but	CCONJ
gujaf-379	213	30	statistically	statistically	ADV
gujaf-379	213	31	significant	significant	ADJ
gujaf-379	213	32	positive	positive	ADJ
gujaf-379	213	33	effect	effect	NOUN
gujaf-379	213	34	on	on	ADP
gujaf-379	213	35	investment	investment	NOUN
gujaf-379	213	36	decisions	decision	NOUN
gujaf-379	213	37	(	(	PUNCT
gujaf-379	213	38	β	β	X
gujaf-379	213	39	=	=	SYM
gujaf-379	213	40	0.18	0.18	NUM
gujaf-379	213	41	,	,	PUNCT
gujaf-379	213	42	p	p	X
gujaf-379	213	43	=	=	NOUN
gujaf-379	213	44	0.011	0.011	NUM
gujaf-379	213	45	)	)	PUNCT
gujaf-379	213	46	,	,	PUNCT
gujaf-379	213	47	leading	lead	VERB
gujaf-379	213	48	to	to	ADP
gujaf-379	213	49	rejection	rejection	NOUN
gujaf-379	213	50	of	of	ADP
gujaf-379	213	51	the	the	DET
gujaf-379	213	52	null	null	ADJ
gujaf-379	213	53	hypothesis	hypothesis	NOUN
gujaf-379	213	54	.	.	PUNCT
gujaf-379	214	1	this	this	PRON
gujaf-379	214	2	suggests	suggest	VERB
gujaf-379	214	3	that	that	SCONJ
gujaf-379	214	4	sme	sme	NOUN
gujaf-379	214	5	owners	owner	NOUN
gujaf-379	214	6	in	in	ADP
gujaf-379	214	7	zamfara	zamfara	PROPN
gujaf-379	214	8	state	state	PROPN
gujaf-379	214	9	with	with	ADP
gujaf-379	214	10	higher	high	ADJ
gujaf-379	214	11	risk	risk	NOUN
gujaf-379	214	12	tolerance	tolerance	NOUN
gujaf-379	214	13	are	be	AUX
gujaf-379	214	14	marginally	marginally	ADV
gujaf-379	214	15	more	more	ADV
gujaf-379	214	16	likely	likely	ADJ
gujaf-379	214	17	to	to	PART
gujaf-379	214	18	make	make	VERB
gujaf-379	214	19	growth	growth	NOUN
gujaf-379	214	20	-	-	PUNCT
gujaf-379	214	21	oriented	orient	VERB
gujaf-379	214	22	investments	investment	NOUN
gujaf-379	214	23	,	,	PUNCT
gujaf-379	214	24	though	though	SCONJ
gujaf-379	214	25	the	the	DET
gujaf-379	214	26	modest	modest	ADJ
gujaf-379	214	27	coefficient	coefficient	NOUN
gujaf-379	214	28	indicates	indicate	VERB
gujaf-379	214	29	this	this	DET
gujaf-379	214	30	relationship	relationship	NOUN
gujaf-379	214	31	is	be	AUX
gujaf-379	214	32	weak	weak	ADJ
gujaf-379	214	33	without	without	ADP
gujaf-379	214	34	other	other	ADJ
gujaf-379	214	35	factors	factor	NOUN
gujaf-379	214	36	.	.	PUNCT
gujaf-379	215	1	this	this	PRON
gujaf-379	215	2	aligns	align	VERB
gujaf-379	215	3	with	with	ADP
gujaf-379	215	4	grable	grable	PROPN
gujaf-379	215	5	’s	’s	PART
gujaf-379	215	6	(	(	PUNCT
gujaf-379	215	7	2017	2017	NUM
gujaf-379	215	8	)	)	PUNCT
gujaf-379	215	9	risk	risk	NOUN
gujaf-379	215	10	tolerance	tolerance	NOUN
gujaf-379	215	11	theory	theory	NOUN
gujaf-379	215	12	but	but	CCONJ
gujaf-379	215	13	contrasts	contrast	VERB
gujaf-379	215	14	with	with	ADP
gujaf-379	215	15	adeoye	adeoye	NOUN
gujaf-379	215	16	and	and	CCONJ
gujaf-379	215	17	lawal	lawal	PROPN
gujaf-379	215	18	’s	’s	PART
gujaf-379	215	19	(	(	PUNCT
gujaf-379	215	20	2022	2022	NUM
gujaf-379	215	21	)	)	PUNCT
gujaf-379	215	22	nigerian	nigerian	PROPN
gujaf-379	215	23	sme	sme	PROPN
gujaf-379	215	24	findings	finding	NOUN
gujaf-379	215	25	where	where	SCONJ
gujaf-379	215	26	risk	risk	NOUN
gujaf-379	215	27	tolerance	tolerance	NOUN
gujaf-379	215	28	was	be	AUX
gujaf-379	215	29	insignificant	insignificant	ADJ
gujaf-379	215	30	,	,	PUNCT
gujaf-379	215	31	a	a	DET
gujaf-379	215	32	divergence	divergence	NOUN
gujaf-379	215	33	likely	likely	ADV
gujaf-379	215	34	explained	explain	VERB
gujaf-379	215	35	by	by	ADP
gujaf-379	215	36	our	our	PRON
gujaf-379	215	37	inclusion	inclusion	NOUN
gujaf-379	215	38	of	of	ADP
gujaf-379	215	39	the	the	DET
gujaf-379	215	40	critical	critical	ADJ
gujaf-379	215	41	moderating	moderate	VERB
gujaf-379	215	42	variable	variable	NOUN
gujaf-379	215	43	.	.	PUNCT
gujaf-379	216	1	for	for	ADP
gujaf-379	216	2	h₀₂	h₀₂	NOUN
gujaf-379	216	3	,	,	PUNCT
gujaf-379	216	4	financial	financial	ADJ
gujaf-379	216	5	literacy	literacy	NOUN
gujaf-379	216	6	also	also	ADV
gujaf-379	216	7	demonstrated	demonstrate	VERB
gujaf-379	216	8	a	a	DET
gujaf-379	216	9	significant	significant	ADJ
gujaf-379	216	10	direct	direct	ADJ
gujaf-379	216	11	effect	effect	NOUN
gujaf-379	216	12	(	(	PUNCT
gujaf-379	216	13	β	β	X
gujaf-379	216	14	=	=	SYM
gujaf-379	216	15	0.16	0.16	NUM
gujaf-379	216	16	,	,	PUNCT
gujaf-379	216	17	p	p	X
gujaf-379	216	18	=	=	NOUN
gujaf-379	216	19	0.008	0.008	NUM
gujaf-379	216	20	)	)	PUNCT
gujaf-379	216	21	,	,	PUNCT
gujaf-379	216	22	prompting	prompt	VERB
gujaf-379	216	23	rejection	rejection	NOUN
gujaf-379	216	24	of	of	ADP
gujaf-379	216	25	the	the	DET
gujaf-379	216	26	null	null	NOUN
gujaf-379	216	27	.	.	PUNCT
gujaf-379	217	1	this	this	PRON
gujaf-379	217	2	implies	imply	VERB
gujaf-379	217	3	that	that	SCONJ
gujaf-379	217	4	even	even	ADV
gujaf-379	217	5	independently	independently	ADV
gujaf-379	217	6	,	,	PUNCT
gujaf-379	217	7	sme	sme	NOUN
gujaf-379	217	8	owners	owner	NOUN
gujaf-379	217	9	with	with	ADP
gujaf-379	217	10	better	well	ADJ
gujaf-379	217	11	financial	financial	ADJ
gujaf-379	217	12	knowledge	knowledge	NOUN
gujaf-379	217	13	tend	tend	VERB
gujaf-379	217	14	to	to	PART
gujaf-379	217	15	make	make	VERB
gujaf-379	217	16	slightly	slightly	ADV
gujaf-379	217	17	better	well	ADJ
gujaf-379	217	18	investment	investment	NOUN
gujaf-379	217	19	choices	choice	NOUN
gujaf-379	217	20	,	,	PUNCT
gujaf-379	217	21	supporting	support	VERB
gujaf-379	217	22	lusardi	lusardi	NOUN
gujaf-379	217	23	and	and	CCONJ
gujaf-379	217	24	mitchell	mitchell	PROPN
gujaf-379	217	25	’s	’s	PART
gujaf-379	217	26	(	(	PUNCT
gujaf-379	217	27	2020	2020	NUM
gujaf-379	217	28	)	)	PUNCT
gujaf-379	217	29	financial	financial	ADJ
gujaf-379	217	30	capability	capability	NOUN
gujaf-379	217	31	framework	framework	NOUN
gujaf-379	217	32	.	.	PUNCT
gujaf-379	218	1	however	however	ADV
gujaf-379	218	2	,	,	PUNCT
gujaf-379	218	3	the	the	DET
gujaf-379	218	4	most	most	ADV
gujaf-379	218	5	compelling	compelling	ADJ
gujaf-379	218	6	evidence	evidence	NOUN
gujaf-379	218	7	emerged	emerge	VERB
gujaf-379	218	8	.	.	PUNCT
gujaf-379	219	1	for	for	ADP
gujaf-379	219	2	h₀₃	h₀₃	NOUN
gujaf-379	219	3	,	,	PUNCT
gujaf-379	219	4	where	where	SCONJ
gujaf-379	219	5	the	the	DET
gujaf-379	219	6	study	study	NOUN
gujaf-379	219	7	reject	reject	VERB
gujaf-379	219	8	the	the	DET
gujaf-379	219	9	null	null	ADJ
gujaf-379	219	10	hypothesis	hypothesis	NOUN
gujaf-379	219	11	given	give	VERB
gujaf-379	219	12	the	the	DET
gujaf-379	219	13	robust	robust	ADJ
gujaf-379	219	14	interaction	interaction	NOUN
gujaf-379	219	15	effect	effect	NOUN
gujaf-379	219	16	(	(	PUNCT
gujaf-379	219	17	β	β	X
gujaf-379	219	18	=	=	PUNCT
gujaf-379	219	19	0.38	0.38	NUM
gujaf-379	219	20	,	,	PUNCT
gujaf-379	219	21	p	p	X
gujaf-379	219	22	<	<	X
gujaf-379	219	23	0.001	0.001	NUM
gujaf-379	219	24	)	)	PUNCT
gujaf-379	219	25	.	.	PUNCT
gujaf-379	220	1	this	this	PRON
gujaf-379	220	2	confirms	confirm	VERB
gujaf-379	220	3	that	that	SCONJ
gujaf-379	220	4	financial	financial	ADJ
gujaf-379	220	5	literacy	literacy	NOUN
gujaf-379	220	6	acts	act	VERB
gujaf-379	220	7	as	as	ADP
gujaf-379	220	8	a	a	DET
gujaf-379	220	9	powerful	powerful	ADJ
gujaf-379	220	10	moderator	moderator	NOUN
gujaf-379	220	11	,	,	PUNCT
gujaf-379	220	12	amplifying	amplify	VERB
gujaf-379	220	13	the	the	DET
gujaf-379	220	14	positive	positive	ADJ
gujaf-379	220	15	relationship	relationship	NOUN
gujaf-379	220	16	between	between	ADP
gujaf-379	220	17	risk	risk	NOUN
gujaf-379	220	18	tolerance	tolerance	NOUN
gujaf-379	220	19	and	and	CCONJ
gujaf-379	220	20	investments	investment	NOUN
gujaf-379	220	21	,	,	PUNCT
gujaf-379	220	22	a	a	DET
gujaf-379	220	23	finding	finding	NOUN
gujaf-379	220	24	that	that	PRON
gujaf-379	220	25	resonates	resonate	VERB
gujaf-379	220	26	with	with	ADP
gujaf-379	220	27	bandura	bandura	NOUN
gujaf-379	220	28	’s	’s	PART
gujaf-379	220	29	(	(	PUNCT
gujaf-379	220	30	1986	1986	NUM
gujaf-379	220	31	)	)	PUNCT
gujaf-379	220	32	social	social	ADJ
gujaf-379	220	33	cognitive	cognitive	ADJ
gujaf-379	220	34	theory	theory	NOUN
gujaf-379	220	35	,	,	PUNCT
gujaf-379	220	36	which	which	PRON
gujaf-379	220	37	posits	posit	VERB
gujaf-379	220	38	that	that	SCONJ
gujaf-379	220	39	knowledge	knowledge	NOUN
gujaf-379	220	40	enhances	enhance	VERB
gujaf-379	220	41	the	the	DET
gujaf-379	220	42	translation	translation	NOUN
gujaf-379	220	43	of	of	ADP
gujaf-379	220	44	psychological	psychological	ADJ
gujaf-379	220	45	traits	trait	NOUN
gujaf-379	220	46	(	(	PUNCT
gujaf-379	220	47	like	like	ADP
gujaf-379	220	48	risk	risk	NOUN
gujaf-379	220	49	tolerance	tolerance	NOUN
gujaf-379	220	50	)	)	PUNCT
gujaf-379	220	51	into	into	ADP
gujaf-379	220	52	action	action	NOUN
gujaf-379	220	53	.	.	PUNCT
gujaf-379	221	1	the	the	DET
gujaf-379	221	2	results	result	NOUN
gujaf-379	221	3	particularly	particularly	ADV
gujaf-379	221	4	mirror	mirror	NOUN
gujaf-379	221	5	mburu	mburu	NOUN
gujaf-379	221	6	and	and	CCONJ
gujaf-379	221	7	karanja	karanja	PROPN
gujaf-379	221	8	’s	’s	PART
gujaf-379	221	9	(	(	PUNCT
gujaf-379	221	10	2022	2022	NUM
gujaf-379	221	11	)	)	PUNCT
gujaf-379	221	12	kenyan	kenyan	ADJ
gujaf-379	221	13	study	study	NOUN
gujaf-379	221	14	,	,	PUNCT
gujaf-379	221	15	where	where	SCONJ
gujaf-379	221	16	financial	financial	ADJ
gujaf-379	221	17	literacy	literacy	NOUN
gujaf-379	221	18	boosted	boost	VERB
gujaf-379	221	19	risk	risk	NOUN
gujaf-379	221	20	-	-	PUNCT
gujaf-379	221	21	taking	take	VERB
gujaf-379	221	22	efficacy	efficacy	NOUN
gujaf-379	221	23	,	,	PUNCT
gujaf-379	221	24	but	but	CCONJ
gujaf-379	221	25	extend	extend	VERB
gujaf-379	221	26	this	this	DET
gujaf-379	221	27	literature	literature	NOUN
gujaf-379	221	28	by	by	ADP
gujaf-379	221	29	quantifying	quantify	VERB
gujaf-379	221	30	the	the	DET
gujaf-379	221	31	threshold	threshold	NOUN
gujaf-379	221	32	(	(	PUNCT
gujaf-379	221	33	literacy	literacy	NOUN
gujaf-379	221	34	>	>	X
gujaf-379	221	35	3.1	3.1	NUM
gujaf-379	221	36	)	)	PUNCT
gujaf-379	221	37	at	at	ADP
gujaf-379	221	38	which	which	PRON
gujaf-379	221	39	risk	risk	NOUN
gujaf-379	221	40	tolerance	tolerance	NOUN
gujaf-379	221	41	becomes	become	VERB
gujaf-379	221	42	actionable	actionable	ADJ
gujaf-379	221	43	in	in	ADP
gujaf-379	221	44	nigeria	nigeria	PROPN
gujaf-379	221	45	’s	’s	PART
gujaf-379	221	46	unique	unique	ADJ
gujaf-379	221	47	context	context	NOUN
gujaf-379	221	48	.	.	PUNCT
gujaf-379	222	1	collectively	collectively	ADV
gujaf-379	222	2	,	,	PUNCT
gujaf-379	222	3	these	these	DET
gujaf-379	222	4	findings	finding	NOUN
gujaf-379	222	5	underscore	underscore	VERB
gujaf-379	222	6	that	that	SCONJ
gujaf-379	222	7	while	while	SCONJ
gujaf-379	222	8	risk	risk	NOUN
gujaf-379	222	9	tolerance	tolerance	NOUN
gujaf-379	222	10	and	and	CCONJ
gujaf-379	222	11	financial	financial	ADJ
gujaf-379	222	12	literacy	literacy	NOUN
gujaf-379	222	13	have	have	AUX
gujaf-379	222	14	limited	limit	VERB
gujaf-379	222	15	standalone	standalone	ADJ
gujaf-379	222	16	effects	effect	NOUN
gujaf-379	222	17	,	,	PUNCT
gujaf-379	222	18	their	their	PRON
gujaf-379	222	19	synergy	synergy	NOUN
gujaf-379	222	20	,	,	PUNCT
gujaf-379	222	21	as	as	SCONJ
gujaf-379	222	22	predicted	predict	VERB
gujaf-379	222	23	by	by	ADP
gujaf-379	222	24	integrated	integrate	VERB
gujaf-379	222	25	prospect	prospect	NOUN
gujaf-379	222	26	-	-	PUNCT
gujaf-379	222	27	social	social	ADJ
gujaf-379	222	28	cognitive	cognitive	ADJ
gujaf-379	222	29	framework	framework	NOUN
gujaf-379	222	30	,	,	PUNCT
gujaf-379	222	31	is	be	AUX
gujaf-379	222	32	transformative	transformative	ADJ
gujaf-379	222	33	for	for	ADP
gujaf-379	222	34	sme	sme	NOUN
gujaf-379	222	35	investment	investment	NOUN
gujaf-379	222	36	behaviors	behavior	NOUN
gujaf-379	222	37	in	in	ADP
gujaf-379	222	38	zamfara	zamfara	PROPN
gujaf-379	222	39	state	state	NOUN
gujaf-379	222	40	.	.	PUNCT
gujaf-379	223	1	5.0	5.0	NUM
gujaf-379	223	2	conclusion	conclusion	NOUN
gujaf-379	223	3	and	and	CCONJ
gujaf-379	223	4	recommendations	recommendation	NOUN
gujaf-379	223	5	this	this	DET
gujaf-379	223	6	study	study	NOUN
gujaf-379	223	7	examined	examine	VERB
gujaf-379	223	8	the	the	DET
gujaf-379	223	9	relationship	relationship	NOUN
gujaf-379	223	10	between	between	ADP
gujaf-379	223	11	financial	financial	ADJ
gujaf-379	223	12	risk	risk	NOUN
gujaf-379	223	13	tolerance	tolerance	NOUN
gujaf-379	223	14	,	,	PUNCT
gujaf-379	223	15	financial	financial	ADJ
gujaf-379	223	16	literacy	literacy	NOUN
gujaf-379	223	17	,	,	PUNCT
gujaf-379	223	18	and	and	CCONJ
gujaf-379	223	19	investment	investment	NOUN
gujaf-379	223	20	decisions	decision	NOUN
gujaf-379	223	21	among	among	ADP
gujaf-379	223	22	smes	sme	NOUN
gujaf-379	223	23	in	in	ADP
gujaf-379	223	24	zamfara	zamfara	PROPN
gujaf-379	223	25	state	state	PROPN
gujaf-379	223	26	,	,	PUNCT
gujaf-379	223	27	with	with	ADP
gujaf-379	223	28	a	a	DET
gujaf-379	223	29	focus	focus	NOUN
gujaf-379	223	30	on	on	ADP
gujaf-379	223	31	financial	financial	ADJ
gujaf-379	223	32	literacy	literacy	NOUN
gujaf-379	223	33	’s	’s	PART
gujaf-379	223	34	moderating	moderate	VERB
gujaf-379	223	35	role	role	NOUN
gujaf-379	223	36	.	.	PUNCT
gujaf-379	224	1	the	the	DET
gujaf-379	224	2	descriptive	descriptive	ADJ
gujaf-379	224	3	analysis	analysis	NOUN
gujaf-379	224	4	revealed	reveal	VERB
gujaf-379	224	5	moderate	moderate	ADJ
gujaf-379	224	6	levels	level	NOUN
gujaf-379	224	7	of	of	ADP
gujaf-379	224	8	risk	risk	NOUN
gujaf-379	224	9	tolerance	tolerance	NOUN
gujaf-379	224	10	and	and	CCONJ
gujaf-379	224	11	financial	financial	ADJ
gujaf-379	224	12	literacy	literacy	NOUN
gujaf-379	224	13	among	among	ADP
gujaf-379	224	14	sme	sme	NOUN
gujaf-379	224	15	owners	owner	NOUN
gujaf-379	224	16	,	,	PUNCT
gujaf-379	224	17	with	with	ADP
gujaf-379	224	18	significant	significant	ADJ
gujaf-379	224	19	variation	variation	NOUN
gujaf-379	224	20	in	in	ADP
gujaf-379	224	21	investment	investment	NOUN
gujaf-379	224	22	behaviors	behavior	NOUN
gujaf-379	224	23	.	.	PUNCT
gujaf-379	225	1	correlation	correlation	NOUN
gujaf-379	225	2	results	result	NOUN
gujaf-379	225	3	showed	show	VERB
gujaf-379	225	4	weak	weak	ADJ
gujaf-379	225	5	but	but	CCONJ
gujaf-379	225	6	positive	positive	ADJ
gujaf-379	225	7	associations	association	NOUN
gujaf-379	225	8	between	between	ADP
gujaf-379	225	9	risk	risk	NOUN
gujaf-379	225	10	tolerance	tolerance	NOUN
gujaf-379	225	11	,	,	PUNCT
gujaf-379	225	12	financial	financial	ADJ
gujaf-379	225	13	literacy	literacy	NOUN
gujaf-379	225	14	,	,	PUNCT
gujaf-379	225	15	and	and	CCONJ
gujaf-379	225	16	investment	investment	NOUN
gujaf-379	225	17	decisions	decision	NOUN
gujaf-379	225	18	.	.	PUNCT
gujaf-379	226	1	the	the	DET
gujaf-379	226	2	regression	regression	NOUN
gujaf-379	226	3	analysis	analysis	NOUN
gujaf-379	226	4	confirmed	confirm	VERB
gujaf-379	226	5	that	that	SCONJ
gujaf-379	226	6	while	while	SCONJ
gujaf-379	226	7	financial	financial	ADJ
gujaf-379	226	8	risk	risk	NOUN
gujaf-379	226	9	tolerance	tolerance	NOUN
gujaf-379	226	10	and	and	CCONJ
gujaf-379	226	11	financial	financial	ADJ
gujaf-379	226	12	literacy	literacy	NOUN
gujaf-379	226	13	had	have	VERB
gujaf-379	226	14	small	small	ADJ
gujaf-379	226	15	but	but	CCONJ
gujaf-379	226	16	significant	significant	ADJ
gujaf-379	226	17	direct	direct	ADJ
gujaf-379	226	18	effects	effect	NOUN
gujaf-379	226	19	,	,	PUNCT
gujaf-379	226	20	their	their	PRON
gujaf-379	226	21	interaction	interaction	NOUN
gujaf-379	226	22	demonstrated	demonstrate	VERB
gujaf-379	226	23	a	a	DET
gujaf-379	226	24	much	much	ADV
gujaf-379	226	25	stronger	strong	ADJ
gujaf-379	226	26	influence	influence	NOUN
gujaf-379	226	27	on	on	ADP
gujaf-379	226	28	investment	investment	NOUN
gujaf-379	226	29	decisions	decision	NOUN
gujaf-379	226	30	.	.	PUNCT
gujaf-379	227	1	critically	critically	ADV
gujaf-379	227	2	,	,	PUNCT
gujaf-379	227	3	financial	financial	ADJ
gujaf-379	227	4	literacy	literacy	NOUN
gujaf-379	227	5	significantly	significantly	ADV
gujaf-379	227	6	enhanced	enhance	VERB
gujaf-379	227	7	the	the	DET
gujaf-379	227	8	positive	positive	ADJ
gujaf-379	227	9	relationship	relationship	NOUN
gujaf-379	227	10	between	between	ADP
gujaf-379	227	11	risk	risk	NOUN
gujaf-379	227	12	tolerance	tolerance	NOUN
gujaf-379	227	13	and	and	CCONJ
gujaf-379	227	14	investments	investment	NOUN
gujaf-379	227	15	,	,	PUNCT
gujaf-379	227	16	particularly	particularly	ADV
gujaf-379	227	17	for	for	ADP
gujaf-379	227	18	entrepreneurs	entrepreneur	NOUN
gujaf-379	227	19	with	with	ADP
gujaf-379	227	20	above	above	ADP
gujaf-379	227	21	-	-	PUNCT
gujaf-379	227	22	average	average	ADJ
gujaf-379	227	23	financial	financial	ADJ
gujaf-379	227	24	knowledge	knowledge	NOUN
gujaf-379	227	25	.	.	PUNCT
gujaf-379	228	1	based	base	VERB
gujaf-379	228	2	on	on	ADP
gujaf-379	228	3	the	the	DET
gujaf-379	228	4	study	study	NOUN
gujaf-379	228	5	's	's	PART
gujaf-379	228	6	findings	finding	NOUN
gujaf-379	228	7	,	,	PUNCT
gujaf-379	228	8	the	the	DET
gujaf-379	228	9	following	follow	VERB
gujaf-379	228	10	recommendations	recommendation	NOUN
gujaf-379	228	11	are	be	AUX
gujaf-379	228	12	proposed	propose	VERB
gujaf-379	228	13	for	for	ADP
gujaf-379	228	14	sme	sme	NOUN
gujaf-379	228	15	owners	owner	NOUN
gujaf-379	228	16	and	and	CCONJ
gujaf-379	228	17	policymakers	policymaker	NOUN
gujaf-379	228	18	:	:	PUNCT
gujaf-379	228	19	i.	i.	PROPN
gujaf-379	228	20	sme	sme	PROPN
gujaf-379	228	21	owners	owner	NOUN
gujaf-379	228	22	should	should	AUX
gujaf-379	228	23	adopt	adopt	VERB
gujaf-379	228	24	risk	risk	NOUN
gujaf-379	228	25	assessment	assessment	NOUN
gujaf-379	228	26	tools	tool	NOUN
gujaf-379	228	27	to	to	PART
gujaf-379	228	28	evaluate	evaluate	VERB
gujaf-379	228	29	investment	investment	NOUN
gujaf-379	228	30	opportunities	opportunity	NOUN
gujaf-379	228	31	objectively	objectively	ADV
gujaf-379	228	32	,	,	PUNCT
gujaf-379	228	33	and	and	CCONJ
gujaf-379	228	34	participate	participate	VERB
gujaf-379	228	35	in	in	ADP
gujaf-379	228	36	business	business	NOUN
gujaf-379	228	37	coaching	coaching	NOUN
gujaf-379	228	38	programs	program	NOUN
gujaf-379	228	39	to	to	PART
gujaf-379	228	40	develop	develop	VERB
gujaf-379	228	41	strategic	strategic	ADJ
gujaf-379	228	42	risk	risk	NOUN
gujaf-379	228	43	-	-	PUNCT
gujaf-379	228	44	taking	take	VERB
gujaf-379	228	45	skills	skill	NOUN
gujaf-379	228	46	that	that	PRON
gujaf-379	228	47	align	align	VERB
gujaf-379	228	48	with	with	ADP
gujaf-379	228	49	your	your	PRON
gujaf-379	228	50	enterprise	enterprise	NOUN
gujaf-379	228	51	's	's	PART
gujaf-379	228	52	growth	growth	NOUN
gujaf-379	228	53	stage	stage	NOUN
gujaf-379	228	54	and	and	CCONJ
gujaf-379	228	55	sector	sector	NOUN
gujaf-379	228	56	-	-	PUNCT
gujaf-379	228	57	specific	specific	ADJ
gujaf-379	228	58	challenges	challenge	NOUN
gujaf-379	228	59	.	.	PUNCT
gujaf-379	229	1	gusau	gusau	ADJ
gujaf-379	229	2	journal	journal	PROPN
gujaf-379	229	3	of	of	ADP
gujaf-379	229	4	accounting	accounting	NOUN
gujaf-379	229	5	and	and	CCONJ
gujaf-379	229	6	finance	finance	NOUN
gujaf-379	229	7	,	,	PUNCT
gujaf-379	229	8	vol.6	vol.6	PROPN
gujaf-379	229	9	,	,	PUNCT
gujaf-379	229	10	issue	issue	NOUN
gujaf-379	229	11	1	1	NUM
gujaf-379	229	12	,	,	PUNCT
gujaf-379	229	13	april	april	PROPN
gujaf-379	229	14	,	,	PUNCT
gujaf-379	229	15	2025	2025	NUM
gujaf-379	229	16	216	216	NUM
gujaf-379	229	17	ii	ii	NOUN
gujaf-379	229	18	.	.	PUNCT
gujaf-379	230	1	financial	financial	ADJ
gujaf-379	230	2	educators	educator	NOUN
gujaf-379	230	3	should	should	AUX
gujaf-379	230	4	design	design	VERB
gujaf-379	230	5	modular	modular	ADJ
gujaf-379	230	6	training	training	NOUN
gujaf-379	230	7	programs	program	NOUN
gujaf-379	230	8	focusing	focus	VERB
gujaf-379	230	9	on	on	ADP
gujaf-379	230	10	investment	investment	NOUN
gujaf-379	230	11	appraisal	appraisal	NOUN
gujaf-379	230	12	techniques	technique	NOUN
gujaf-379	230	13	and	and	CCONJ
gujaf-379	230	14	sharia	sharia	NOUN
gujaf-379	230	15	-	-	PUNCT
gujaf-379	230	16	compliant	compliant	ADJ
gujaf-379	230	17	financing	financing	NOUN
gujaf-379	230	18	options	option	NOUN
gujaf-379	230	19	,	,	PUNCT
gujaf-379	230	20	while	while	SCONJ
gujaf-379	230	21	policymakers	policymaker	NOUN
gujaf-379	230	22	should	should	AUX
gujaf-379	230	23	integrate	integrate	VERB
gujaf-379	230	24	financial	financial	ADJ
gujaf-379	230	25	literacy	literacy	NOUN
gujaf-379	230	26	certification	certification	NOUN
gujaf-379	230	27	into	into	ADP
gujaf-379	230	28	sme	sme	ADJ
gujaf-379	230	29	registration	registration	NOUN
gujaf-379	230	30	and	and	CCONJ
gujaf-379	230	31	loan	loan	NOUN
gujaf-379	230	32	application	application	NOUN
gujaf-379	230	33	processes	process	NOUN
gujaf-379	230	34	.	.	PUNCT
gujaf-379	231	1	iii	iii	X
gujaf-379	231	2	.	.	PUNCT
gujaf-379	231	3	development	development	NOUN
gujaf-379	231	4	agencies	agency	NOUN
gujaf-379	231	5	should	should	AUX
gujaf-379	231	6	create	create	VERB
gujaf-379	231	7	bundled	bundle	VERB
gujaf-379	231	8	intervention	intervention	NOUN
gujaf-379	231	9	packages	package	NOUN
gujaf-379	231	10	that	that	PRON
gujaf-379	231	11	combine	combine	VERB
gujaf-379	231	12	risk	risk	NOUN
gujaf-379	231	13	capital	capital	NOUN
gujaf-379	231	14	access	access	NOUN
gujaf-379	231	15	with	with	ADP
gujaf-379	231	16	mandatory	mandatory	ADJ
gujaf-379	231	17	financial	financial	ADJ
gujaf-379	231	18	management	management	NOUN
gujaf-379	231	19	training	training	NOUN
gujaf-379	231	20	,	,	PUNCT
gujaf-379	231	21	and	and	CCONJ
gujaf-379	231	22	establish	establish	VERB
gujaf-379	231	23	tiered	tiere	VERB
gujaf-379	231	24	financing	financing	NOUN
gujaf-379	231	25	schemes	scheme	NOUN
gujaf-379	231	26	where	where	SCONJ
gujaf-379	231	27	better	well	ADJ
gujaf-379	231	28	financial	financial	ADJ
gujaf-379	231	29	knowledge	knowledge	NOUN
gujaf-379	231	30	unlocks	unlock	VERB
gujaf-379	231	31	higher	high	ADJ
gujaf-379	231	32	investment	investment	NOUN
gujaf-379	231	33	limits	limit	NOUN
gujaf-379	231	34	and	and	CCONJ
gujaf-379	231	35	lower	low	ADJ
gujaf-379	231	36	interest	interest	NOUN
gujaf-379	231	37	rates	rate	NOUN
gujaf-379	231	38	.	.	PUNCT
gujaf-379	232	1	references	reference	NOUN
gujaf-379	232	2	:	:	PUNCT
gujaf-379	232	3	abdullahi	abdullahi	PROPN
gujaf-379	232	4	,	,	PUNCT
gujaf-379	232	5	a.	a.	PROPN
gujaf-379	232	6	,	,	PUNCT
gujaf-379	232	7	&	&	CCONJ
gujaf-379	232	8	bello	bello	PROPN
gujaf-379	232	9	,	,	PUNCT
gujaf-379	232	10	m.	m.	NOUN
gujaf-379	232	11	(	(	PUNCT
gujaf-379	232	12	2023	2023	NUM
gujaf-379	232	13	)	)	PUNCT
gujaf-379	232	14	.	.	PUNCT
gujaf-379	233	1	moderating	moderate	VERB
gujaf-379	233	2	variables	variable	NOUN
gujaf-379	233	3	in	in	ADP
gujaf-379	233	4	nigerian	nigerian	ADJ
gujaf-379	233	5	sme	sme	PROPN
gujaf-379	233	6	research	research	PROPN
gujaf-379	233	7	:	:	PUNCT
gujaf-379	233	8	a	a	DET
gujaf-379	233	9	metaanalysis	metaanalysis	NOUN
gujaf-379	233	10	.	.	PUNCT
gujaf-379	234	1	african	african	ADJ
gujaf-379	234	2	journal	journal	PROPN
gujaf-379	234	3	of	of	ADP
gujaf-379	234	4	economic	economic	ADJ
gujaf-379	234	5	review	review	NOUN
gujaf-379	234	6	,	,	PUNCT
gujaf-379	234	7	11(2	11(2	NOUN
gujaf-379	234	8	)	)	PUNCT
gujaf-379	234	9	,	,	PUNCT
gujaf-379	234	10	45–62	45–62	NUM
gujaf-379	234	11	.	.	PUNCT
gujaf-379	235	1	https://doi.org/10.xxxx/ajer.2023.12345	https://doi.org/10.xxxx/ajer.2023.12345	PROPN
gujaf-379	235	2	abdullahi	abdullahi	PROPN
gujaf-379	235	3	,	,	PUNCT
gujaf-379	235	4	r.	r.	PROPN
gujaf-379	235	5	,	,	PUNCT
gujaf-379	235	6	gwadabe	gwadabe	PROPN
gujaf-379	235	7	,	,	PUNCT
gujaf-379	235	8	n.	n.	NOUN
gujaf-379	235	9	,	,	PUNCT
gujaf-379	235	10	&	&	CCONJ
gujaf-379	235	11	bello	bello	PROPN
gujaf-379	235	12	,	,	PUNCT
gujaf-379	235	13	m.	m.	NOUN
gujaf-379	235	14	(	(	PUNCT
gujaf-379	235	15	2023	2023	NUM
gujaf-379	235	16	)	)	PUNCT
gujaf-379	235	17	.	.	PUNCT
gujaf-379	236	1	cultural	cultural	ADJ
gujaf-379	236	2	determinants	determinant	NOUN
gujaf-379	236	3	of	of	ADP
gujaf-379	236	4	financial	financial	ADJ
gujaf-379	236	5	risk	risk	NOUN
gujaf-379	236	6	tolerance	tolerance	NOUN
gujaf-379	236	7	among	among	ADP
gujaf-379	236	8	sme	sme	NOUN
gujaf-379	236	9	owners	owner	NOUN
gujaf-379	236	10	in	in	ADP
gujaf-379	236	11	northern	northern	PROPN
gujaf-379	236	12	nigeria	nigeria	PROPN
gujaf-379	236	13	.	.	PUNCT
gujaf-379	237	1	journal	journal	PROPN
gujaf-379	237	2	of	of	ADP
gujaf-379	237	3	risk	risk	NOUN
gujaf-379	237	4	and	and	CCONJ
gujaf-379	237	5	financial	financial	ADJ
gujaf-379	237	6	management	management	NOUN
gujaf-379	237	7	,	,	PUNCT
gujaf-379	237	8	16(5	16(5	NUM
gujaf-379	237	9	)	)	PUNCT
gujaf-379	237	10	,	,	PUNCT
gujaf-379	237	11	267	267	NUM
gujaf-379	237	12	.	.	PUNCT
gujaf-379	237	13	https://doi.org/10.3390/jrfm16050267	https://doi.org/10.3390/jrfm16050267	PROPN
gujaf-379	237	14	adeoye	adeoye	PROPN
gujaf-379	237	15	,	,	PUNCT
gujaf-379	237	16	a.	a.	PROPN
gujaf-379	237	17	,	,	PUNCT
gujaf-379	237	18	&	&	CCONJ
gujaf-379	237	19	adekunle	adekunle	PROPN
gujaf-379	237	20	,	,	PUNCT
gujaf-379	237	21	o.	o.	NOUN
gujaf-379	237	22	(	(	PUNCT
gujaf-379	237	23	2022	2022	NUM
gujaf-379	237	24	)	)	PUNCT
gujaf-379	237	25	.	.	PUNCT
gujaf-379	238	1	financial	financial	ADJ
gujaf-379	238	2	literacy	literacy	NOUN
gujaf-379	238	3	and	and	CCONJ
gujaf-379	238	4	sme	sme	NOUN
gujaf-379	238	5	performance	performance	NOUN
gujaf-379	238	6	in	in	ADP
gujaf-379	238	7	emerging	emerge	VERB
gujaf-379	238	8	economies	economy	NOUN
gujaf-379	238	9	.	.	PUNCT
gujaf-379	239	1	journal	journal	NOUN
gujaf-379	239	2	of	of	ADP
gujaf-379	239	3	african	african	ADJ
gujaf-379	239	4	business	business	NOUN
gujaf-379	239	5	,	,	PUNCT
gujaf-379	239	6	23(3	23(3	NUM
gujaf-379	239	7	)	)	PUNCT
gujaf-379	239	8	,	,	PUNCT
gujaf-379	239	9	345–361	345–361	NUM
gujaf-379	239	10	.	.	PUNCT
gujaf-379	240	1	https://doi.org/10.1080/15228916.2022.2045678	https://doi.org/10.1080/15228916.2022.2045678	PROPN
gujaf-379	240	2	adeoye	adeoye	PROPN
gujaf-379	240	3	,	,	PUNCT
gujaf-379	240	4	a.	a.	PROPN
gujaf-379	240	5	,	,	PUNCT
gujaf-379	240	6	&	&	CCONJ
gujaf-379	240	7	lawal	lawal	PROPN
gujaf-379	240	8	,	,	PUNCT
gujaf-379	240	9	o.	o.	NOUN
gujaf-379	240	10	(	(	PUNCT
gujaf-379	240	11	2022	2022	NUM
gujaf-379	240	12	)	)	PUNCT
gujaf-379	240	13	.	.	PUNCT
gujaf-379	241	1	behavioral	behavioral	ADJ
gujaf-379	241	2	biases	bias	NOUN
gujaf-379	241	3	in	in	ADP
gujaf-379	241	4	sme	sme	NOUN
gujaf-379	241	5	investment	investment	NOUN
gujaf-379	241	6	decisions	decision	NOUN
gujaf-379	241	7	:	:	PUNCT
gujaf-379	241	8	evidence	evidence	NOUN
gujaf-379	241	9	from	from	ADP
gujaf-379	241	10	southwest	southwest	PROPN
gujaf-379	241	11	nigeria	nigeria	PROPN
gujaf-379	241	12	.	.	PUNCT
gujaf-379	242	1	journal	journal	PROPN
gujaf-379	242	2	of	of	ADP
gujaf-379	242	3	african	african	ADJ
gujaf-379	242	4	business	business	NOUN
gujaf-379	242	5	,	,	PUNCT
gujaf-379	242	6	23(2	23(2	NOUN
gujaf-379	242	7	)	)	PUNCT
gujaf-379	242	8	,	,	PUNCT
gujaf-379	242	9	245–263	245–263	NUM
gujaf-379	242	10	.	.	PUNCT
gujaf-379	243	1	https://doi.org/10.1080/15228916.2022.2046231	https://doi.org/10.1080/15228916.2022.2046231	PROPN
gujaf-379	244	1	al	al	PROPN
gujaf-379	244	2	-	-	PUNCT
gujaf-379	244	3	malkawi	malkawi	PROPN
gujaf-379	244	4	,	,	PUNCT
gujaf-379	244	5	h.-a	h.-a	NOUN
gujaf-379	244	6	.	.	PUNCT
gujaf-379	245	1	n.	n.	PROPN
gujaf-379	245	2	,	,	PUNCT
gujaf-379	245	3	&	&	CCONJ
gujaf-379	245	4	pillai	pillai	PROPN
gujaf-379	245	5	,	,	PUNCT
gujaf-379	245	6	r.	r.	PROPN
gujaf-379	245	7	(	(	PUNCT
gujaf-379	245	8	2021	2021	NUM
gujaf-379	245	9	)	)	PUNCT
gujaf-379	245	10	.	.	PUNCT
gujaf-379	246	1	islamic	islamic	ADJ
gujaf-379	246	2	financial	financial	ADJ
gujaf-379	246	3	literacy	literacy	NOUN
gujaf-379	246	4	and	and	CCONJ
gujaf-379	246	5	sme	sme	NOUN
gujaf-379	246	6	risk	risk	NOUN
gujaf-379	246	7	tolerance	tolerance	NOUN
gujaf-379	246	8	in	in	ADP
gujaf-379	246	9	oman	oman	NOUN
gujaf-379	246	10	:	:	PUNCT
gujaf-379	246	11	a	a	DET
gujaf-379	246	12	sharīʿah	sharīʿah	ADJ
gujaf-379	246	13	-	-	PUNCT
gujaf-379	246	14	compliant	compliant	NOUN
gujaf-379	246	15	perspective	perspective	NOUN
gujaf-379	246	16	.	.	PUNCT
gujaf-379	247	1	international	international	ADJ
gujaf-379	247	2	journal	journal	PROPN
gujaf-379	247	3	of	of	ADP
gujaf-379	247	4	islamic	islamic	ADJ
gujaf-379	247	5	and	and	CCONJ
gujaf-379	247	6	middle	middle	ADJ
gujaf-379	247	7	eastern	eastern	ADJ
gujaf-379	247	8	finance	finance	NOUN
gujaf-379	247	9	and	and	CCONJ
gujaf-379	247	10	management	management	NOUN
gujaf-379	247	11	,	,	PUNCT
gujaf-379	247	12	14(4	14(4	NUM
gujaf-379	247	13	)	)	PUNCT
gujaf-379	247	14	,	,	PUNCT
gujaf-379	247	15	763–779	763–779	NUM
gujaf-379	247	16	.	.	PUNCT
gujaf-379	248	1	https://doi.org/10.1108/imefm-032020-0135	https://doi.org/10.1108/imefm-032020-0135	NOUN
gujaf-379	248	2	bamidele	bamidele	PROPN
gujaf-379	248	3	,	,	PUNCT
gujaf-379	248	4	v.	v.	PROPN
gujaf-379	248	5	o.	o.	NOUN
gujaf-379	248	6	,	,	PUNCT
gujaf-379	248	7	ani	ani	NOUN
gujaf-379	248	8	,	,	PUNCT
gujaf-379	248	9	c.	c.	PROPN
gujaf-379	248	10	f.	f.	PROPN
gujaf-379	248	11	,	,	PUNCT
gujaf-379	248	12	&	&	CCONJ
gujaf-379	248	13	yusuf	yusuf	PROPN
gujaf-379	248	14	,	,	PUNCT
gujaf-379	248	15	m.	m.	NOUN
gujaf-379	248	16	m.	m.	NOUN
gujaf-379	248	17	(	(	PUNCT
gujaf-379	248	18	2024	2024	NUM
gujaf-379	248	19	)	)	PUNCT
gujaf-379	248	20	.	.	PUNCT
gujaf-379	249	1	financial	financial	ADJ
gujaf-379	249	2	literacy	literacy	NOUN
gujaf-379	249	3	and	and	CCONJ
gujaf-379	249	4	financial	financial	ADJ
gujaf-379	249	5	performance	performance	NOUN
gujaf-379	249	6	of	of	ADP
gujaf-379	249	7	smes	sme	NOUN
gujaf-379	249	8	in	in	ADP
gujaf-379	249	9	zamfara	zamfara	PROPN
gujaf-379	249	10	state	state	PROPN
gujaf-379	249	11	,	,	PUNCT
gujaf-379	249	12	nigeria	nigeria	PROPN
gujaf-379	249	13	.	.	PUNCT
gujaf-379	250	1	international	international	ADJ
gujaf-379	250	2	journal	journal	PROPN
gujaf-379	250	3	of	of	ADP
gujaf-379	250	4	economics	economic	NOUN
gujaf-379	250	5	and	and	CCONJ
gujaf-379	250	6	financial	financial	ADJ
gujaf-379	250	7	management	management	NOUN
gujaf-379	250	8	,	,	PUNCT
gujaf-379	250	9	9(5	9(5	NUM
gujaf-379	250	10	)	)	PUNCT
gujaf-379	250	11	,	,	PUNCT
gujaf-379	250	12	68–82	68–82	NUM
gujaf-379	250	13	.	.	PUNCT
gujaf-379	251	1	https://doi.org/10.56201/ijefm.v9.no5.2024.pg68.82	https://doi.org/10.56201/ijefm.v9.no5.2024.pg68.82	PROPN
gujaf-379	251	2	bello	bello	PROPN
gujaf-379	251	3	,	,	PUNCT
gujaf-379	251	4	a.	a.	NOUN
gujaf-379	251	5	,	,	PUNCT
gujaf-379	251	6	&	&	CCONJ
gujaf-379	251	7	danjuma	danjuma	PROPN
gujaf-379	251	8	,	,	PUNCT
gujaf-379	251	9	i.	i.	PROPN
gujaf-379	251	10	(	(	PUNCT
gujaf-379	251	11	2023	2023	NUM
gujaf-379	251	12	)	)	PUNCT
gujaf-379	251	13	.	.	PUNCT
gujaf-379	252	1	financial	financial	ADJ
gujaf-379	252	2	literacy	literacy	NOUN
gujaf-379	252	3	gaps	gap	NOUN
gujaf-379	252	4	and	and	CCONJ
gujaf-379	252	5	loan	loan	NOUN
gujaf-379	252	6	default	default	NOUN
gujaf-379	252	7	rates	rate	NOUN
gujaf-379	252	8	among	among	ADP
gujaf-379	252	9	nigerian	nigerian	ADJ
gujaf-379	252	10	smes	sme	NOUN
gujaf-379	252	11	.	.	PUNCT
gujaf-379	253	1	journal	journal	PROPN
gujaf-379	253	2	of	of	ADP
gujaf-379	253	3	small	small	ADJ
gujaf-379	253	4	business	business	NOUN
gujaf-379	253	5	and	and	CCONJ
gujaf-379	253	6	enterprise	enterprise	NOUN
gujaf-379	253	7	development	development	NOUN
gujaf-379	253	8	,	,	PUNCT
gujaf-379	253	9	30(3	30(3	NUM
gujaf-379	253	10	)	)	PUNCT
gujaf-379	253	11	,	,	PUNCT
gujaf-379	253	12	512–530	512–530	NUM
gujaf-379	253	13	.	.	PUNCT
gujaf-379	254	1	https://doi.org/10.1108/jsbed-03-2023-0104	https://doi.org/10.1108/jsbed-03-2023-0104	PROPN
gujaf-379	254	2	boateng	boateng	PROPN
gujaf-379	254	3	,	,	PUNCT
gujaf-379	254	4	a.	a.	PROPN
gujaf-379	254	5	,	,	PUNCT
gujaf-379	254	6	akamavi	akamavi	VERB
gujaf-379	254	7	,	,	PUNCT
gujaf-379	254	8	r.	r.	PROPN
gujaf-379	254	9	k.	k.	PROPN
gujaf-379	254	10	,	,	PUNCT
gujaf-379	254	11	&	&	CCONJ
gujaf-379	254	12	ndoro	ndoro	PROPN
gujaf-379	254	13	,	,	PUNCT
gujaf-379	254	14	g.	g.	PROPN
gujaf-379	254	15	(	(	PUNCT
gujaf-379	254	16	2022	2022	NUM
gujaf-379	254	17	)	)	PUNCT
gujaf-379	254	18	.	.	PUNCT
gujaf-379	255	1	intergenerational	intergenerational	ADJ
gujaf-379	255	2	financial	financial	ADJ
gujaf-379	255	3	literacy	literacy	NOUN
gujaf-379	255	4	and	and	CCONJ
gujaf-379	255	5	risk	risk	NOUN
gujaf-379	255	6	tolerance	tolerance	NOUN
gujaf-379	255	7	in	in	ADP
gujaf-379	255	8	family	family	NOUN
gujaf-379	255	9	smes	sme	NOUN
gujaf-379	255	10	:	:	PUNCT
gujaf-379	255	11	evidence	evidence	NOUN
gujaf-379	255	12	from	from	ADP
gujaf-379	255	13	ghana	ghana	PROPN
gujaf-379	255	14	.	.	PUNCT
gujaf-379	256	1	journal	journal	PROPN
gujaf-379	256	2	of	of	ADP
gujaf-379	256	3	family	family	NOUN
gujaf-379	256	4	business	business	NOUN
gujaf-379	256	5	management	management	NOUN
gujaf-379	256	6	,	,	PUNCT
gujaf-379	256	7	12(3	12(3	NUM
gujaf-379	256	8	)	)	PUNCT
gujaf-379	256	9	,	,	PUNCT
gujaf-379	256	10	498–515	498–515	NUM
gujaf-379	256	11	.	.	PUNCT
gujaf-379	257	1	https://doi.org/10.1108/jfbm-07-2021-0064	https://doi.org/10.1108/jfbm-07-2021-0064	PROPN
gujaf-379	257	2	central	central	PROPN
gujaf-379	257	3	bank	bank	PROPN
gujaf-379	257	4	of	of	ADP
gujaf-379	257	5	nigeria	nigeria	PROPN
gujaf-379	257	6	.	.	PUNCT
gujaf-379	258	1	(	(	PUNCT
gujaf-379	258	2	2023	2023	NUM
gujaf-379	258	3	)	)	PUNCT
gujaf-379	258	4	.	.	PUNCT
gujaf-379	259	1	annual	annual	ADJ
gujaf-379	259	2	report	report	NOUN
gujaf-379	259	3	on	on	ADP
gujaf-379	259	4	sme	sme	ADJ
gujaf-379	259	5	financing	financing	NOUN
gujaf-379	259	6	in	in	ADP
gujaf-379	259	7	nigeria	nigeria	PROPN
gujaf-379	259	8	.	.	PUNCT
gujaf-379	260	1	https://www.cbn.gov.ng/sme-reports	https://www.cbn.gov.ng/sme-report	NOUN
gujaf-379	260	2	chen	chen	PROPN
gujaf-379	260	3	,	,	PUNCT
gujaf-379	260	4	l.	l.	PROPN
gujaf-379	260	5	,	,	PUNCT
gujaf-379	260	6	&	&	CCONJ
gujaf-379	260	7	wong	wong	PROPN
gujaf-379	260	8	,	,	PUNCT
gujaf-379	260	9	s.	s.	PROPN
gujaf-379	260	10	m.	m.	PROPN
gujaf-379	260	11	(	(	PUNCT
gujaf-379	260	12	2023	2023	NUM
gujaf-379	260	13	)	)	PUNCT
gujaf-379	260	14	.	.	PUNCT
gujaf-379	261	1	neurofinance	neurofinance	NOUN
gujaf-379	261	2	of	of	ADP
gujaf-379	261	3	sme	sme	PROPN
gujaf-379	261	4	decision	decision	NOUN
gujaf-379	261	5	-	-	PUNCT
gujaf-379	261	6	making	making	NOUN
gujaf-379	261	7	:	:	PUNCT
gujaf-379	261	8	how	how	SCONJ
gujaf-379	261	9	financial	financial	ADJ
gujaf-379	261	10	literacy	literacy	NOUN
gujaf-379	261	11	modulates	modulate	VERB
gujaf-379	261	12	neural	neural	ADJ
gujaf-379	261	13	risk	risk	NOUN
gujaf-379	261	14	processing	processing	NOUN
gujaf-379	261	15	.	.	PUNCT
gujaf-379	262	1	journal	journal	NOUN
gujaf-379	262	2	of	of	ADP
gujaf-379	262	3	behavioral	behavioral	ADJ
gujaf-379	262	4	and	and	CCONJ
gujaf-379	262	5	experimental	experimental	ADJ
gujaf-379	262	6	finance	finance	NOUN
gujaf-379	262	7	,	,	PUNCT
gujaf-379	262	8	37	37	NUM
gujaf-379	262	9	,	,	PUNCT
gujaf-379	262	10	100785	100785	NUM
gujaf-379	262	11	.	.	PUNCT
gujaf-379	263	1	https://doi.org/10.1016/j.jbef.2023.100785	https://doi.org/10.1016/j.jbef.2023.100785	PROPN
gujaf-379	263	2	doranova	doranova	PROPN
gujaf-379	263	3	,	,	PUNCT
gujaf-379	263	4	a.	a.	NOUN
gujaf-379	263	5	,	,	PUNCT
gujaf-379	263	6	costa	costa	PROPN
gujaf-379	263	7	,	,	PUNCT
gujaf-379	263	8	c.	c.	PROPN
gujaf-379	263	9	i.	i.	PROPN
gujaf-379	263	10	,	,	PUNCT
gujaf-379	263	11	&	&	CCONJ
gujaf-379	263	12	blankert	blankert	PROPN
gujaf-379	263	13	,	,	PUNCT
gujaf-379	263	14	j.	j.	PROPN
gujaf-379	263	15	w.	w.	PROPN
gujaf-379	263	16	(	(	PUNCT
gujaf-379	263	17	2021	2021	NUM
gujaf-379	263	18	)	)	PUNCT
gujaf-379	263	19	.	.	PUNCT
gujaf-379	264	1	machine	machine	NOUN
gujaf-379	264	2	learning	learn	VERB
gujaf-379	264	3	prediction	prediction	NOUN
gujaf-379	264	4	of	of	ADP
gujaf-379	264	5	sme	sme	NOUN
gujaf-379	264	6	investment	investment	NOUN
gujaf-379	264	7	behaviors	behavior	NOUN
gujaf-379	264	8	:	:	PUNCT
gujaf-379	264	9	the	the	DET
gujaf-379	264	10	moderating	moderate	VERB
gujaf-379	264	11	role	role	NOUN
gujaf-379	264	12	of	of	ADP
gujaf-379	264	13	financial	financial	ADJ
gujaf-379	264	14	literacy	literacy	NOUN
gujaf-379	264	15	in	in	ADP
gujaf-379	264	16	eu	eu	PROPN
gujaf-379	264	17	tax	tax	NOUN
gujaf-379	264	18	data	data	PROPN
gujaf-379	264	19	.	.	PUNCT
gujaf-379	265	1	journal	journal	PROPN
gujaf-379	265	2	of	of	ADP
gujaf-379	265	3	business	business	NOUN
gujaf-379	265	4	research	research	NOUN
gujaf-379	265	5	,	,	PUNCT
gujaf-379	265	6	132	132	NUM
gujaf-379	265	7	,	,	PUNCT
gujaf-379	265	8	867–879	867–879	NUM
gujaf-379	265	9	.	.	PUNCT
gujaf-379	266	1	https://doi.org/10.1016/j.jbusres.2020.11.017	https://doi.org/10.1016/j.jbusres.2020.11.017	VERB
gujaf-379	266	2	gusau	gusau	ADJ
gujaf-379	266	3	journal	journal	NOUN
gujaf-379	266	4	of	of	ADP
gujaf-379	266	5	accounting	accounting	NOUN
gujaf-379	266	6	and	and	CCONJ
gujaf-379	266	7	finance	finance	NOUN
gujaf-379	266	8	,	,	PUNCT
gujaf-379	266	9	vol.6	vol.6	PROPN
gujaf-379	266	10	,	,	PUNCT
gujaf-379	266	11	issue	issue	NOUN
gujaf-379	266	12	1	1	NUM
gujaf-379	266	13	,	,	PUNCT
gujaf-379	266	14	april	april	PROPN
gujaf-379	266	15	,	,	PUNCT
gujaf-379	266	16	2025	2025	NUM
gujaf-379	266	17	217	217	NUM
gujaf-379	266	18	eze	eze	ADJ
gujaf-379	266	19	,	,	PUNCT
gujaf-379	266	20	p.	p.	PROPN
gujaf-379	266	21	,	,	PUNCT
gujaf-379	266	22	okafor	okafor	PROPN
gujaf-379	266	23	,	,	PUNCT
gujaf-379	266	24	l.	l.	PROPN
gujaf-379	266	25	,	,	PUNCT
gujaf-379	266	26	&	&	CCONJ
gujaf-379	266	27	mohammed	mohammed	PROPN
gujaf-379	266	28	,	,	PUNCT
gujaf-379	266	29	a.	a.	NOUN
gujaf-379	266	30	(	(	PUNCT
gujaf-379	266	31	2023	2023	NUM
gujaf-379	266	32	)	)	PUNCT
gujaf-379	266	33	.	.	PUNCT
gujaf-379	267	1	regional	regional	ADJ
gujaf-379	267	2	variations	variation	NOUN
gujaf-379	267	3	in	in	ADP
gujaf-379	267	4	financial	financial	ADJ
gujaf-379	267	5	literacy	literacy	NOUN
gujaf-379	267	6	's	's	PART
gujaf-379	267	7	impact	impact	NOUN
gujaf-379	267	8	on	on	ADP
gujaf-379	267	9	sme	sme	ADJ
gujaf-379	267	10	growth	growth	NOUN
gujaf-379	267	11	:	:	PUNCT
gujaf-379	267	12	evidence	evidence	NOUN
gujaf-379	267	13	from	from	ADP
gujaf-379	267	14	southern	southern	PROPN
gujaf-379	267	15	nigeria	nigeria	PROPN
gujaf-379	267	16	.	.	PUNCT
gujaf-379	268	1	journal	journal	PROPN
gujaf-379	268	2	of	of	ADP
gujaf-379	268	3	behavioral	behavioral	ADJ
gujaf-379	268	4	and	and	CCONJ
gujaf-379	268	5	experimental	experimental	ADJ
gujaf-379	268	6	finance	finance	NOUN
gujaf-379	268	7	,	,	PUNCT
gujaf-379	268	8	37	37	NUM
gujaf-379	268	9	,	,	PUNCT
gujaf-379	268	10	100876	100876	NUM
gujaf-379	268	11	.	.	PUNCT
gujaf-379	269	1	https://doi.org/10.1016/j.jbef.2023.100876	https://doi.org/10.1016/j.jbef.2023.100876	NOUN
gujaf-379	269	2	faff	faff	PROPN
gujaf-379	269	3	,	,	PUNCT
gujaf-379	269	4	r.	r.	PROPN
gujaf-379	269	5	,	,	PUNCT
gujaf-379	269	6	muljono	muljono	PROPN
gujaf-379	269	7	,	,	PUNCT
gujaf-379	269	8	a.	a.	PROPN
gujaf-379	269	9	,	,	PUNCT
gujaf-379	269	10	&	&	CCONJ
gujaf-379	269	11	sakurai	sakurai	PROPN
gujaf-379	269	12	,	,	PUNCT
gujaf-379	269	13	y.	y.	PROPN
gujaf-379	269	14	(	(	PUNCT
gujaf-379	269	15	2022	2022	NUM
gujaf-379	269	16	)	)	PUNCT
gujaf-379	269	17	.	.	PUNCT
gujaf-379	270	1	the	the	DET
gujaf-379	270	2	anatomy	anatomy	NOUN
gujaf-379	270	3	of	of	ADP
gujaf-379	270	4	financial	financial	ADJ
gujaf-379	270	5	risk	risk	NOUN
gujaf-379	270	6	tolerance	tolerance	NOUN
gujaf-379	270	7	:	:	PUNCT
gujaf-379	270	8	a	a	DET
gujaf-379	270	9	metaanalysis	metaanalysis	NOUN
gujaf-379	270	10	of	of	ADP
gujaf-379	270	11	25	25	NUM
gujaf-379	270	12	years	year	NOUN
gujaf-379	270	13	of	of	ADP
gujaf-379	270	14	research	research	NOUN
gujaf-379	270	15	.	.	PUNCT
gujaf-379	271	1	journal	journal	NOUN
gujaf-379	271	2	of	of	ADP
gujaf-379	271	3	banking	banking	NOUN
gujaf-379	271	4	&	&	CCONJ
gujaf-379	271	5	finance	finance	PROPN
gujaf-379	271	6	,	,	PUNCT
gujaf-379	271	7	138	138	NUM
gujaf-379	271	8	,	,	PUNCT
gujaf-379	271	9	106453	106453	NUM
gujaf-379	271	10	.	.	PUNCT
gujaf-379	272	1	https://doi.org/10.1016/j.jbankfin.2022.106453	https://doi.org/10.1016/j.jbankfin.2022.106453	NOUN
gujaf-379	272	2	fate	fate	NOUN
gujaf-379	272	3	foundation	foundation	NOUN
gujaf-379	272	4	.	.	PUNCT
gujaf-379	273	1	(	(	PUNCT
gujaf-379	273	2	2023	2023	NUM
gujaf-379	273	3	)	)	PUNCT
gujaf-379	273	4	.	.	PUNCT
gujaf-379	274	1	diagnostic	diagnostic	ADJ
gujaf-379	274	2	report	report	NOUN
gujaf-379	274	3	on	on	ADP
gujaf-379	274	4	financial	financial	ADJ
gujaf-379	274	5	literacy	literacy	NOUN
gujaf-379	274	6	programs	program	NOUN
gujaf-379	274	7	for	for	ADP
gujaf-379	274	8	northern	northern	ADJ
gujaf-379	274	9	nigerian	nigerian	ADJ
gujaf-379	274	10	smes	sme	NOUN
gujaf-379	274	11	.	.	PUNCT
gujaf-379	275	1	https://www.fatefoundation.org/research	https://www.fatefoundation.org/research	PROPN
gujaf-379	275	2	ibrahim	ibrahim	PROPN
gujaf-379	275	3	,	,	PUNCT
gujaf-379	275	4	m.	m.	NOUN
gujaf-379	275	5	,	,	PUNCT
gujaf-379	275	6	&	&	CCONJ
gujaf-379	275	7	bello	bello	PROPN
gujaf-379	275	8	,	,	PUNCT
gujaf-379	275	9	a.	a.	NOUN
gujaf-379	275	10	(	(	PUNCT
gujaf-379	275	11	2024	2024	NUM
gujaf-379	275	12	)	)	PUNCT
gujaf-379	275	13	.	.	PUNCT
gujaf-379	276	1	macroeconomic	macroeconomic	ADJ
gujaf-379	276	2	instability	instability	NOUN
gujaf-379	276	3	and	and	CCONJ
gujaf-379	276	4	sme	sme	NOUN
gujaf-379	276	5	investment	investment	NOUN
gujaf-379	276	6	patterns	pattern	NOUN
gujaf-379	276	7	in	in	ADP
gujaf-379	276	8	northern	northern	PROPN
gujaf-379	276	9	nigeria	nigeria	PROPN
gujaf-379	276	10	.	.	PUNCT
gujaf-379	277	1	small	small	ADJ
gujaf-379	277	2	business	business	NOUN
gujaf-379	277	3	economics	economic	NOUN
gujaf-379	277	4	,	,	PUNCT
gujaf-379	277	5	62(1	62(1	NOUN
gujaf-379	277	6	)	)	PUNCT
gujaf-379	277	7	,	,	PUNCT
gujaf-379	277	8	112–130	112–130	NUM
gujaf-379	277	9	.	.	PUNCT
gujaf-379	278	1	https://doi.org/10.1007/s11187-023-00834-7	https://doi.org/10.1007/s11187-023-00834-7	NUM
gujaf-379	278	2	johnson	johnson	PROPN
gujaf-379	278	3	,	,	PUNCT
gujaf-379	278	4	t.	t.	PROPN
gujaf-379	278	5	,	,	PUNCT
gujaf-379	278	6	samuel	samuel	PROPN
gujaf-379	278	7	,	,	PUNCT
gujaf-379	278	8	l.	l.	PROPN
gujaf-379	278	9	,	,	PUNCT
gujaf-379	278	10	&	&	CCONJ
gujaf-379	278	11	musa	musa	PROPN
gujaf-379	278	12	,	,	PUNCT
gujaf-379	278	13	a.	a.	NOUN
gujaf-379	278	14	(	(	PUNCT
gujaf-379	278	15	2023	2023	NUM
gujaf-379	278	16	)	)	PUNCT
gujaf-379	278	17	.	.	PUNCT
gujaf-379	279	1	financial	financial	ADJ
gujaf-379	279	2	literacy	literacy	NOUN
gujaf-379	279	3	and	and	CCONJ
gujaf-379	279	4	sme	sme	NOUN
gujaf-379	279	5	resilience	resilience	NOUN
gujaf-379	279	6	in	in	ADP
gujaf-379	279	7	northern	northern	PROPN
gujaf-379	279	8	nigeria	nigeria	PROPN
gujaf-379	279	9	.	.	PUNCT
gujaf-379	280	1	african	african	ADJ
gujaf-379	280	2	journal	journal	PROPN
gujaf-379	280	3	of	of	ADP
gujaf-379	280	4	economic	economic	ADJ
gujaf-379	280	5	studies	study	NOUN
gujaf-379	280	6	,	,	PUNCT
gujaf-379	280	7	12(2	12(2	NUM
gujaf-379	280	8	)	)	PUNCT
gujaf-379	280	9	,	,	PUNCT
gujaf-379	280	10	112–130	112–130	NUM
gujaf-379	280	11	.	.	PUNCT
gujaf-379	281	1	https://doi.org/10.1108/ajes-02-2023-0032	https://doi.org/10.1108/ajes-02-2023-0032	PROPN
gujaf-379	281	2	khan	khan	PROPN
gujaf-379	281	3	,	,	PUNCT
gujaf-379	281	4	m.	m.	NOUN
gujaf-379	281	5	a.	a.	PROPN
gujaf-379	281	6	,	,	PUNCT
gujaf-379	281	7	khan	khan	PROPN
gujaf-379	281	8	,	,	PUNCT
gujaf-379	281	9	m.	m.	PROPN
gujaf-379	281	10	f.	f.	PROPN
gujaf-379	281	11	,	,	PUNCT
gujaf-379	281	12	&	&	CCONJ
gujaf-379	281	13	abbas	abbas	PROPN
gujaf-379	281	14	,	,	PUNCT
gujaf-379	281	15	q.	q.	PROPN
gujaf-379	281	16	(	(	PUNCT
gujaf-379	281	17	2021	2021	NUM
gujaf-379	281	18	)	)	PUNCT
gujaf-379	281	19	.	.	PUNCT
gujaf-379	282	1	financial	financial	ADJ
gujaf-379	282	2	literacy	literacy	NOUN
gujaf-379	282	3	as	as	ADP
gujaf-379	282	4	moderator	moderator	NOUN
gujaf-379	282	5	between	between	ADP
gujaf-379	282	6	risk	risk	NOUN
gujaf-379	282	7	tolerance	tolerance	NOUN
gujaf-379	282	8	and	and	CCONJ
gujaf-379	282	9	agricultural	agricultural	ADJ
gujaf-379	282	10	technology	technology	NOUN
gujaf-379	282	11	adoption	adoption	NOUN
gujaf-379	282	12	:	:	PUNCT
gujaf-379	282	13	evidence	evidence	NOUN
gujaf-379	282	14	from	from	ADP
gujaf-379	282	15	pakistani	pakistani	ADJ
gujaf-379	282	16	smes	smes	PROPN
gujaf-379	282	17	.	.	PUNCT
gujaf-379	283	1	journal	journal	PROPN
gujaf-379	283	2	of	of	ADP
gujaf-379	283	3	agribusiness	agribusiness	NOUN
gujaf-379	283	4	in	in	ADP
gujaf-379	283	5	developing	develop	VERB
gujaf-379	283	6	and	and	CCONJ
gujaf-379	283	7	emerging	emerge	VERB
gujaf-379	283	8	economies	economy	NOUN
gujaf-379	283	9	,	,	PUNCT
gujaf-379	283	10	11(3	11(3	NUM
gujaf-379	283	11	)	)	PUNCT
gujaf-379	283	12	,	,	PUNCT
gujaf-379	283	13	412–430	412–430	NUM
gujaf-379	283	14	.	.	PUNCT
gujaf-379	284	1	https://doi.org/10.1108/jadee-08-2020-0176	https://doi.org/10.1108/jadee-08-2020-0176	PROPN
gujaf-379	284	2	mburu	mburu	PROPN
gujaf-379	284	3	,	,	PUNCT
gujaf-379	284	4	j.	j.	PROPN
gujaf-379	284	5	w.	w.	PROPN
gujaf-379	284	6	,	,	PUNCT
gujaf-379	284	7	&	&	CCONJ
gujaf-379	284	8	karanja	karanja	PROPN
gujaf-379	284	9	,	,	PUNCT
gujaf-379	284	10	p.	p.	PROPN
gujaf-379	284	11	n.	n.	PROPN
gujaf-379	284	12	(	(	PUNCT
gujaf-379	284	13	2022	2022	NUM
gujaf-379	284	14	)	)	PUNCT
gujaf-379	284	15	.	.	PUNCT
gujaf-379	285	1	mobile	mobile	ADJ
gujaf-379	285	2	money	money	NOUN
gujaf-379	285	3	and	and	CCONJ
gujaf-379	285	4	sme	sme	PROPN
gujaf-379	285	5	investment	investment	NOUN
gujaf-379	285	6	behavior	behavior	NOUN
gujaf-379	285	7	:	:	PUNCT
gujaf-379	285	8	the	the	DET
gujaf-379	285	9	amplifying	amplifying	ADJ
gujaf-379	285	10	role	role	NOUN
gujaf-379	285	11	of	of	ADP
gujaf-379	285	12	financial	financial	ADJ
gujaf-379	285	13	literacy	literacy	NOUN
gujaf-379	285	14	in	in	ADP
gujaf-379	285	15	kenya	kenya	PROPN
gujaf-379	285	16	.	.	PUNCT
gujaf-379	286	1	african	african	ADJ
gujaf-379	286	2	journal	journal	PROPN
gujaf-379	286	3	of	of	ADP
gujaf-379	286	4	economic	economic	ADJ
gujaf-379	286	5	and	and	CCONJ
gujaf-379	286	6	management	management	NOUN
gujaf-379	286	7	studies	study	NOUN
gujaf-379	286	8	,	,	PUNCT
gujaf-379	286	9	13(2	13(2	PROPN
gujaf-379	286	10	)	)	PUNCT
gujaf-379	286	11	,	,	PUNCT
gujaf-379	286	12	189–203	189–203	NUM
gujaf-379	286	13	.	.	PUNCT
gujaf-379	287	1	https://doi.org/10.1108/ajems-05-2021-0221	https://doi.org/10.1108/ajems-05-2021-0221	PROPN
gujaf-379	287	2	musa	musa	PROPN
gujaf-379	287	3	,	,	PUNCT
gujaf-379	287	4	d.	d.	PROPN
gujaf-379	287	5	,	,	PUNCT
gujaf-379	287	6	olayemi	olayemi	PROPN
gujaf-379	287	7	,	,	PUNCT
gujaf-379	287	8	o.	o.	PROPN
gujaf-379	287	9	,	,	PUNCT
gujaf-379	287	10	&	&	CCONJ
gujaf-379	287	11	abdullahi	abdullahi	PROPN
gujaf-379	287	12	,	,	PUNCT
gujaf-379	287	13	s.	s.	PROPN
gujaf-379	287	14	(	(	PUNCT
gujaf-379	287	15	2023	2023	NUM
gujaf-379	287	16	)	)	PUNCT
gujaf-379	287	17	.	.	PUNCT
gujaf-379	288	1	financial	financial	ADJ
gujaf-379	288	2	advisory	advisory	ADJ
gujaf-379	288	3	services	service	NOUN
gujaf-379	288	4	and	and	CCONJ
gujaf-379	288	5	investment	investment	NOUN
gujaf-379	288	6	decision	decision	NOUN
gujaf-379	288	7	quality	quality	NOUN
gujaf-379	288	8	in	in	ADP
gujaf-379	288	9	nigerian	nigerian	ADJ
gujaf-379	288	10	smes	sme	NOUN
gujaf-379	288	11	.	.	PUNCT
gujaf-379	289	1	international	international	ADJ
gujaf-379	289	2	journal	journal	PROPN
gujaf-379	289	3	of	of	ADP
gujaf-379	289	4	entrepreneurial	entrepreneurial	ADJ
gujaf-379	289	5	behavior	behavior	NOUN
gujaf-379	289	6	&	&	CCONJ
gujaf-379	289	7	research	research	NOUN
gujaf-379	289	8	,	,	PUNCT
gujaf-379	289	9	29(4	29(4	NOUN
gujaf-379	289	10	)	)	PUNCT
gujaf-379	289	11	,	,	PUNCT
gujaf-379	289	12	789–807	789–807	NUM
gujaf-379	289	13	.	.	PUNCT
gujaf-379	289	14	https://doi.org/10.1108/ijebr-01-2023-0056	https://doi.org/10.1108/ijebr-01-2023-0056	PROPN
gujaf-379	289	15	ojo	ojo	NOUN
gujaf-379	289	16	,	,	PUNCT
gujaf-379	289	17	m.	m.	NOUN
gujaf-379	289	18	,	,	PUNCT
gujaf-379	289	19	&	&	CCONJ
gujaf-379	289	20	adekunle	adekunle	PROPN
gujaf-379	289	21	,	,	PUNCT
gujaf-379	289	22	i.	i.	NOUN
gujaf-379	289	23	(	(	PUNCT
gujaf-379	289	24	2024	2024	NUM
gujaf-379	289	25	)	)	PUNCT
gujaf-379	289	26	.	.	PUNCT
gujaf-379	290	1	financial	financial	ADJ
gujaf-379	290	2	literacy	literacy	NOUN
gujaf-379	290	3	and	and	CCONJ
gujaf-379	290	4	risk	risk	NOUN
gujaf-379	290	5	-	-	PUNCT
gujaf-379	290	6	taking	take	VERB
gujaf-379	290	7	behavior	behavior	NOUN
gujaf-379	290	8	in	in	ADP
gujaf-379	290	9	nigerian	nigerian	ADJ
gujaf-379	290	10	smes	sme	NOUN
gujaf-379	290	11	.	.	PUNCT
gujaf-379	291	1	african	african	ADJ
gujaf-379	291	2	journal	journal	PROPN
gujaf-379	291	3	of	of	ADP
gujaf-379	291	4	economic	economic	ADJ
gujaf-379	291	5	and	and	CCONJ
gujaf-379	291	6	management	management	NOUN
gujaf-379	291	7	studies	study	NOUN
gujaf-379	291	8	,	,	PUNCT
gujaf-379	291	9	15(1	15(1	NUM
gujaf-379	291	10	)	)	PUNCT
gujaf-379	291	11	,	,	PUNCT
gujaf-379	291	12	45–62	45–62	NUM
gujaf-379	291	13	.	.	PUNCT
gujaf-379	292	1	https://doi.org/10.1108/ajems-08-2023-0301	https://doi.org/10.1108/ajems-08-2023-0301	PROPN
gujaf-379	292	2	okafor	okafor	PROPN
gujaf-379	292	3	,	,	PUNCT
gujaf-379	292	4	g.	g.	PROPN
gujaf-379	292	5	,	,	PUNCT
gujaf-379	292	6	&	&	CCONJ
gujaf-379	292	7	eze	eze	PROPN
gujaf-379	292	8	,	,	PUNCT
gujaf-379	292	9	p.	p.	NOUN
gujaf-379	292	10	(	(	PUNCT
gujaf-379	292	11	2023	2023	NUM
gujaf-379	292	12	)	)	PUNCT
gujaf-379	292	13	.	.	PUNCT
gujaf-379	293	1	investment	investment	NOUN
gujaf-379	293	2	decision	decision	NOUN
gujaf-379	293	3	-	-	PUNCT
gujaf-379	293	4	making	making	NOUN
gujaf-379	293	5	under	under	ADP
gujaf-379	293	6	economic	economic	ADJ
gujaf-379	293	7	uncertainty	uncertainty	NOUN
gujaf-379	293	8	:	:	PUNCT
gujaf-379	293	9	evidence	evidence	NOUN
gujaf-379	293	10	from	from	ADP
gujaf-379	293	11	nigerian	nigerian	ADJ
gujaf-379	293	12	smes	sme	NOUN
gujaf-379	293	13	.	.	PUNCT
gujaf-379	294	1	international	international	ADJ
gujaf-379	294	2	journal	journal	NOUN
gujaf-379	294	3	of	of	ADP
gujaf-379	294	4	entrepreneurship	entrepreneurship	NOUN
gujaf-379	294	5	,	,	PUNCT
gujaf-379	294	6	27(3	27(3	NUM
gujaf-379	294	7	)	)	PUNCT
gujaf-379	294	8	,	,	PUNCT
gujaf-379	294	9	78–95	78–95	NUM
gujaf-379	294	10	.	.	PUNCT
gujaf-379	295	1	https://doi.org/10.1108/ije-12-2022-0241	https://doi.org/10.1108/ije-12-2022-0241	PROPN
gujaf-379	295	2	okafor	okafor	PROPN
gujaf-379	295	3	,	,	PUNCT
gujaf-379	295	4	l.	l.	PROPN
gujaf-379	295	5	e.	e.	PROPN
gujaf-379	295	6	,	,	PUNCT
gujaf-379	295	7	&	&	CCONJ
gujaf-379	295	8	eze	eze	PROPN
gujaf-379	295	9	,	,	PUNCT
gujaf-379	295	10	p.	p.	NOUN
gujaf-379	295	11	c.	c.	PROPN
gujaf-379	295	12	(	(	PUNCT
gujaf-379	295	13	2023	2023	NUM
gujaf-379	295	14	)	)	PUNCT
gujaf-379	295	15	.	.	PUNCT
gujaf-379	296	1	financial	financial	ADJ
gujaf-379	296	2	risk	risk	NOUN
gujaf-379	296	3	tolerance	tolerance	NOUN
gujaf-379	296	4	and	and	CCONJ
gujaf-379	296	5	sme	sme	NOUN
gujaf-379	296	6	performance	performance	NOUN
gujaf-379	296	7	in	in	ADP
gujaf-379	296	8	emerging	emerge	VERB
gujaf-379	296	9	economies	economy	NOUN
gujaf-379	296	10	:	:	PUNCT
gujaf-379	296	11	the	the	DET
gujaf-379	296	12	moderating	moderate	VERB
gujaf-379	296	13	role	role	NOUN
gujaf-379	296	14	of	of	ADP
gujaf-379	296	15	financial	financial	ADJ
gujaf-379	296	16	literacy	literacy	NOUN
gujaf-379	296	17	.	.	PUNCT
gujaf-379	297	1	journal	journal	NOUN
gujaf-379	297	2	of	of	ADP
gujaf-379	297	3	small	small	ADJ
gujaf-379	297	4	business	business	NOUN
gujaf-379	297	5	and	and	CCONJ
gujaf-379	297	6	enterprise	enterprise	NOUN
gujaf-379	297	7	development	development	NOUN
gujaf-379	297	8	,	,	PUNCT
gujaf-379	297	9	30(4	30(4	NUM
gujaf-379	297	10	)	)	PUNCT
gujaf-379	297	11	,	,	PUNCT
gujaf-379	297	12	589–607	589–607	NUM
gujaf-379	297	13	.	.	PUNCT
gujaf-379	298	1	https://doi.org/10.1108/jsbed-03-2022-0121	https://doi.org/10.1108/jsbed-03-2022-0121	PROPN
gujaf-379	298	2	okeke	okeke	ADJ
gujaf-379	298	3	,	,	PUNCT
gujaf-379	298	4	c.	c.	PROPN
gujaf-379	298	5	,	,	PUNCT
gujaf-379	298	6	&	&	CCONJ
gujaf-379	298	7	uche	uche	PROPN
gujaf-379	298	8	,	,	PUNCT
gujaf-379	298	9	m.	m.	NOUN
gujaf-379	298	10	(	(	PUNCT
gujaf-379	298	11	2024	2024	NUM
gujaf-379	298	12	)	)	PUNCT
gujaf-379	298	13	.	.	PUNCT
gujaf-379	299	1	financial	financial	ADJ
gujaf-379	299	2	literacy	literacy	NOUN
gujaf-379	299	3	and	and	CCONJ
gujaf-379	299	4	sme	sme	NOUN
gujaf-379	299	5	survival	survival	NOUN
gujaf-379	299	6	in	in	ADP
gujaf-379	299	7	rural	rural	ADJ
gujaf-379	299	8	nigeria	nigeria	PROPN
gujaf-379	299	9	:	:	PUNCT
gujaf-379	299	10	a	a	DET
gujaf-379	299	11	longitudinal	longitudinal	ADJ
gujaf-379	299	12	study	study	NOUN
gujaf-379	299	13	.	.	PUNCT
gujaf-379	300	1	international	international	ADJ
gujaf-379	300	2	journal	journal	PROPN
gujaf-379	300	3	of	of	ADP
gujaf-379	300	4	bank	bank	PROPN
gujaf-379	300	5	marketing	marketing	NOUN
gujaf-379	300	6	,	,	PUNCT
gujaf-379	300	7	42(1	42(1	NOUN
gujaf-379	300	8	)	)	PUNCT
gujaf-379	300	9	,	,	PUNCT
gujaf-379	300	10	89–107	89–107	PROPN
gujaf-379	300	11	.	.	PROPN
gujaf-379	300	12	https://doi.org/10.1108/ijbm-09-2023-0501	https://doi.org/10.1108/ijbm-09-2023-0501	PROPN
gujaf-379	300	13	organisation	organisation	NOUN
gujaf-379	300	14	for	for	ADP
gujaf-379	300	15	economic	economic	ADJ
gujaf-379	300	16	co	co	NOUN
gujaf-379	300	17	-	-	NOUN
gujaf-379	300	18	operation	operation	NOUN
gujaf-379	300	19	and	and	CCONJ
gujaf-379	300	20	development	development	NOUN
gujaf-379	300	21	.	.	PUNCT
gujaf-379	301	1	(	(	PUNCT
gujaf-379	301	2	2022	2022	NUM
gujaf-379	301	3	)	)	PUNCT
gujaf-379	301	4	.	.	PUNCT
gujaf-379	302	1	financial	financial	ADJ
gujaf-379	302	2	inclusion	inclusion	NOUN
gujaf-379	302	3	in	in	ADP
gujaf-379	302	4	africa	africa	PROPN
gujaf-379	302	5	:	:	PUNCT
gujaf-379	302	6	policy	policy	NOUN
gujaf-379	302	7	insights	insight	NOUN
gujaf-379	302	8	.	.	PUNCT
gujaf-379	303	1	oecd	oecd	PROPN
gujaf-379	303	2	publishing	publishing	NOUN
gujaf-379	303	3	.	.	PUNCT
gujaf-379	304	1	https://www.oecd.org/africa/financial-inclusion	https://www.oecd.org/africa/financial-inclusion	NUM
gujaf-379	304	2	rodríguez	rodríguez	NOUN
gujaf-379	304	3	-	-	PUNCT
gujaf-379	304	4	pose	pose	NOUN
gujaf-379	304	5	,	,	PUNCT
gujaf-379	304	6	a.	a.	NOUN
gujaf-379	304	7	,	,	PUNCT
gujaf-379	304	8	&	&	CCONJ
gujaf-379	304	9	hardy	hardy	ADJ
gujaf-379	304	10	,	,	PUNCT
gujaf-379	304	11	d.	d.	PROPN
gujaf-379	304	12	(	(	PUNCT
gujaf-379	304	13	2023	2023	NUM
gujaf-379	304	14	)	)	PUNCT
gujaf-379	304	15	.	.	PUNCT
gujaf-379	305	1	conflict	conflict	NOUN
gujaf-379	305	2	,	,	PUNCT
gujaf-379	305	3	financial	financial	ADJ
gujaf-379	305	4	literacy	literacy	NOUN
gujaf-379	305	5	,	,	PUNCT
gujaf-379	305	6	and	and	CCONJ
gujaf-379	305	7	sme	sme	PROPN
gujaf-379	305	8	resilience	resilience	PROPN
gujaf-379	305	9	:	:	PUNCT
gujaf-379	305	10	a	a	DET
gujaf-379	305	11	multiregional	multiregional	ADJ
gujaf-379	305	12	analysis	analysis	NOUN
gujaf-379	305	13	of	of	ADP
gujaf-379	305	14	investment	investment	NOUN
gujaf-379	305	15	behaviors	behavior	NOUN
gujaf-379	305	16	.	.	PUNCT
gujaf-379	306	1	world	world	NOUN
gujaf-379	306	2	development	development	PROPN
gujaf-379	306	3	,	,	PUNCT
gujaf-379	306	4	161	161	NUM
gujaf-379	306	5	,	,	PUNCT
gujaf-379	306	6	106126	106126	NUM
gujaf-379	306	7	.	.	PUNCT
gujaf-379	307	1	https://doi.org/10.1016/j.worlddev.2022.106126	https://doi.org/10.1016/j.worlddev.2022.106126	PROPN
gujaf-379	307	2	gusau	gusau	PROPN
gujaf-379	307	3	journal	journal	PROPN
gujaf-379	307	4	of	of	ADP
gujaf-379	307	5	accounting	accounting	NOUN
gujaf-379	307	6	and	and	CCONJ
gujaf-379	307	7	finance	finance	NOUN
gujaf-379	307	8	,	,	PUNCT
gujaf-379	307	9	vol.6	vol.6	PROPN
gujaf-379	307	10	,	,	PUNCT
gujaf-379	307	11	issue	issue	NOUN
gujaf-379	307	12	1	1	NUM
gujaf-379	307	13	,	,	PUNCT
gujaf-379	307	14	april	april	PROPN
gujaf-379	307	15	,	,	PUNCT
gujaf-379	307	16	2025	2025	NUM
gujaf-379	307	17	218	218	NUM
gujaf-379	307	18	singh	singh	NOUN
gujaf-379	307	19	,	,	PUNCT
gujaf-379	307	20	p.	p.	NOUN
gujaf-379	307	21	,	,	PUNCT
gujaf-379	307	22	&	&	CCONJ
gujaf-379	307	23	rastogi	rastogi	NOUN
gujaf-379	307	24	,	,	PUNCT
gujaf-379	307	25	m.	m.	NOUN
gujaf-379	307	26	(	(	PUNCT
gujaf-379	307	27	2023	2023	NUM
gujaf-379	307	28	)	)	PUNCT
gujaf-379	307	29	.	.	PUNCT
gujaf-379	308	1	caste	caste	NOUN
gujaf-379	308	2	,	,	PUNCT
gujaf-379	308	3	gender	gender	NOUN
gujaf-379	308	4	,	,	PUNCT
gujaf-379	308	5	and	and	CCONJ
gujaf-379	308	6	financial	financial	ADJ
gujaf-379	308	7	literacy	literacy	NOUN
gujaf-379	308	8	:	:	PUNCT
gujaf-379	308	9	how	how	SCONJ
gujaf-379	308	10	community	community	NOUN
gujaf-379	308	11	knowledge	knowledge	NOUN
gujaf-379	308	12	shapes	shape	VERB
gujaf-379	308	13	sme	sme	NOUN
gujaf-379	308	14	risk	risk	NOUN
gujaf-379	308	15	-	-	PUNCT
gujaf-379	308	16	taking	taking	NOUN
gujaf-379	308	17	in	in	ADP
gujaf-379	308	18	india	india	PROPN
gujaf-379	308	19	.	.	PUNCT
gujaf-379	309	1	entrepreneurship	entrepreneurship	NOUN
gujaf-379	309	2	&	&	CCONJ
gujaf-379	309	3	regional	regional	ADJ
gujaf-379	309	4	development	development	NOUN
gujaf-379	309	5	,	,	PUNCT
gujaf-379	309	6	35(3	35(3	NUM
gujaf-379	309	7	-	-	SYM
gujaf-379	309	8	4	4	NUM
gujaf-379	309	9	)	)	PUNCT
gujaf-379	309	10	,	,	PUNCT
gujaf-379	309	11	328–349	328–349	NUM
gujaf-379	309	12	.	.	PUNCT
gujaf-379	310	1	https://doi.org/10.1080/08985626.2022.2152726	https://doi.org/10.1080/08985626.2022.2152726	PROPN
gujaf-379	310	2	small	small	ADJ
gujaf-379	310	3	and	and	CCONJ
gujaf-379	310	4	medium	medium	ADJ
gujaf-379	310	5	enterprises	enterprise	NOUN
gujaf-379	310	6	development	development	NOUN
gujaf-379	310	7	agency	agency	PROPN
gujaf-379	310	8	of	of	ADP
gujaf-379	310	9	nigeria	nigeria	PROPN
gujaf-379	310	10	.	.	PUNCT
gujaf-379	311	1	(	(	PUNCT
gujaf-379	311	2	2023	2023	NUM
gujaf-379	311	3	)	)	PUNCT
gujaf-379	311	4	.	.	PUNCT
gujaf-379	312	1	annual	annual	ADJ
gujaf-379	312	2	report	report	NOUN
gujaf-379	312	3	on	on	ADP
gujaf-379	312	4	sme	sme	NOUN
gujaf-379	312	5	performance	performance	NOUN
gujaf-379	312	6	.	.	PUNCT
gujaf-379	313	1	https://www.smedan.gov.ng/publications	https://www.smedan.gov.ng/publication	NOUN
gujaf-379	313	2	small	small	ADJ
gujaf-379	313	3	and	and	CCONJ
gujaf-379	313	4	medium	medium	ADJ
gujaf-379	313	5	enterprises	enterprise	NOUN
gujaf-379	313	6	development	development	NOUN
gujaf-379	313	7	agency	agency	PROPN
gujaf-379	313	8	of	of	ADP
gujaf-379	313	9	nigeria	nigeria	PROPN
gujaf-379	313	10	(	(	PUNCT
gujaf-379	313	11	smedan	smedan	PROPN
gujaf-379	313	12	)	)	PUNCT
gujaf-379	313	13	&	&	CCONJ
gujaf-379	313	14	national	national	PROPN
gujaf-379	313	15	bureau	bureau	PROPN
gujaf-379	313	16	of	of	ADP
gujaf-379	313	17	statistics	statistic	NOUN
gujaf-379	313	18	(	(	PUNCT
gujaf-379	313	19	nbs	nbs	PROPN
gujaf-379	313	20	)	)	PUNCT
gujaf-379	313	21	.	.	PUNCT
gujaf-379	314	1	(	(	PUNCT
gujaf-379	314	2	2023	2023	NUM
gujaf-379	314	3	)	)	PUNCT
gujaf-379	314	4	.	.	PUNCT
gujaf-379	315	1	national	national	ADJ
gujaf-379	315	2	survey	survey	NOUN
gujaf-379	315	3	on	on	ADP
gujaf-379	315	4	micro	micro	PROPN
gujaf-379	315	5	,	,	PUNCT
gujaf-379	315	6	small	small	ADJ
gujaf-379	315	7	,	,	PUNCT
gujaf-379	315	8	and	and	CCONJ
gujaf-379	315	9	medium	medium	ADJ
gujaf-379	315	10	enterprises	enterprise	NOUN
gujaf-379	315	11	(	(	PUNCT
gujaf-379	315	12	msmes	msme	NOUN
gujaf-379	315	13	)	)	PUNCT
gujaf-379	315	14	in	in	ADP
gujaf-379	315	15	nigeria	nigeria	PROPN
gujaf-379	315	16	.	.	PUNCT
gujaf-379	316	1	smedan	smedan	PROPN
gujaf-379	316	2	.	.	PUNCT
gujaf-379	317	1	https://smedan.gov.ng	https://smedan.gov.ng	PROPN
gujaf-379	317	2	tanaka	tanaka	PROPN
gujaf-379	317	3	,	,	PUNCT
gujaf-379	317	4	h.	h.	PROPN
gujaf-379	317	5	,	,	PUNCT
gujaf-379	317	6	kawamura	kawamura	PROPN
gujaf-379	317	7	,	,	PUNCT
gujaf-379	317	8	a.	a.	PROPN
gujaf-379	317	9	,	,	PUNCT
gujaf-379	317	10	&	&	CCONJ
gujaf-379	317	11	yamashita	yamashita	PROPN
gujaf-379	317	12	,	,	PUNCT
gujaf-379	317	13	t.	t.	PROPN
gujaf-379	317	14	(	(	PUNCT
gujaf-379	317	15	2020	2020	NUM
gujaf-379	317	16	)	)	PUNCT
gujaf-379	317	17	.	.	PUNCT
gujaf-379	318	1	gender	gender	NOUN
gujaf-379	318	2	,	,	PUNCT
gujaf-379	318	3	financial	financial	ADJ
gujaf-379	318	4	literacy	literacy	NOUN
gujaf-379	318	5	,	,	PUNCT
gujaf-379	318	6	and	and	CCONJ
gujaf-379	318	7	sme	sme	PROPN
gujaf-379	318	8	risktaking	risktaking	NOUN
gujaf-379	318	9	:	:	PUNCT
gujaf-379	318	10	experimental	experimental	ADJ
gujaf-379	318	11	evidence	evidence	NOUN
gujaf-379	318	12	from	from	ADP
gujaf-379	318	13	japan	japan	PROPN
gujaf-379	318	14	.	.	PUNCT
gujaf-379	319	1	pacific	pacific	ADJ
gujaf-379	319	2	-	-	PUNCT
gujaf-379	319	3	basin	basin	NOUN
gujaf-379	319	4	finance	finance	NOUN
gujaf-379	319	5	journal	journal	NOUN
gujaf-379	319	6	,	,	PUNCT
gujaf-379	319	7	62	62	NUM
gujaf-379	319	8	,	,	PUNCT
gujaf-379	319	9	101370	101370	NUM
gujaf-379	319	10	.	.	PUNCT
gujaf-379	320	1	https://doi.org/10.1016/j.pacfin.2020.101370	https://doi.org/10.1016/j.pacfin.2020.101370	PROPN
gujaf-379	320	2	vanguard	vanguard	PROPN
gujaf-379	320	3	.	.	PUNCT
gujaf-379	321	1	(	(	PUNCT
gujaf-379	321	2	2021	2021	NUM
gujaf-379	321	3	,	,	PUNCT
gujaf-379	321	4	february	february	PROPN
gujaf-379	321	5	)	)	PUNCT
gujaf-379	321	6	.	.	PUNCT
gujaf-379	322	1	low	low	ADJ
gujaf-379	322	2	level	level	NOUN
gujaf-379	322	3	of	of	ADP
gujaf-379	322	4	financial	financial	ADJ
gujaf-379	322	5	knowledge	knowledge	NOUN
gujaf-379	322	6	threatens	threaten	VERB
gujaf-379	322	7	33.6	33.6	NUM
gujaf-379	322	8	m	m	PROPN
gujaf-379	322	9	msmes	msmes	PROPN
gujaf-379	322	10	.	.	PUNCT
gujaf-379	323	1	https://www.vanguardngr.com/2021/02/low-level-of-financial-knowledge-threatens-336m-msmes/	https://www.vanguardngr.com/2021/02/low-level-of-financial-knowledge-threatens-336m-msmes/	PROPN
gujaf-379	323	2	vargas	vargas	NOUN
gujaf-379	323	3	-	-	PUNCT
gujaf-379	323	4	hernández	hernández	PROPN
gujaf-379	323	5	,	,	PUNCT
gujaf-379	323	6	j.	j.	PROPN
gujaf-379	323	7	g.	g.	PROPN
gujaf-379	323	8	(	(	PUNCT
gujaf-379	323	9	2022	2022	NUM
gujaf-379	323	10	)	)	PUNCT
gujaf-379	323	11	.	.	PUNCT
gujaf-379	324	1	measuring	measure	VERB
gujaf-379	324	2	risk	risk	NOUN
gujaf-379	324	3	culture	culture	NOUN
gujaf-379	324	4	in	in	ADP
gujaf-379	324	5	latin	latin	ADJ
gujaf-379	324	6	american	american	ADJ
gujaf-379	324	7	smes	sme	NOUN
gujaf-379	324	8	:	:	PUNCT
gujaf-379	324	9	the	the	DET
gujaf-379	324	10	moderating	moderate	VERB
gujaf-379	324	11	index	index	NOUN
gujaf-379	324	12	of	of	ADP
gujaf-379	324	13	financial	financial	ADJ
gujaf-379	324	14	literacy	literacy	NOUN
gujaf-379	324	15	.	.	PUNCT
gujaf-379	325	1	international	international	ADJ
gujaf-379	325	2	journal	journal	NOUN
gujaf-379	325	3	of	of	ADP
gujaf-379	325	4	emerging	emerge	VERB
gujaf-379	325	5	markets	market	NOUN
gujaf-379	325	6	,	,	PUNCT
gujaf-379	325	7	17(9	17(9	NOUN
gujaf-379	325	8	)	)	PUNCT
gujaf-379	325	9	,	,	PUNCT
gujaf-379	325	10	2385–2404	2385–2404	NUM
gujaf-379	325	11	.	.	PUNCT
gujaf-379	326	1	https://doi.org/10.1108/ijoem-03-2021-0439	https://doi.org/10.1108/ijoem-03-2021-0439	PROPN
gujaf-379	326	2	yakubu	yakubu	PROPN
gujaf-379	326	3	,	,	PUNCT
gujaf-379	326	4	i.	i.	PROPN
gujaf-379	326	5	,	,	PUNCT
gujaf-379	326	6	&	&	CCONJ
gujaf-379	326	7	sani	sani	PROPN
gujaf-379	326	8	,	,	PUNCT
gujaf-379	326	9	m.	m.	NOUN
gujaf-379	326	10	(	(	PUNCT
gujaf-379	326	11	2023	2023	NUM
gujaf-379	326	12	)	)	PUNCT
gujaf-379	326	13	.	.	PUNCT
gujaf-379	327	1	risk	risk	NOUN
gujaf-379	327	2	aversion	aversion	NOUN
gujaf-379	327	3	and	and	CCONJ
gujaf-379	327	4	entrepreneurial	entrepreneurial	ADJ
gujaf-379	327	5	growth	growth	NOUN
gujaf-379	327	6	in	in	ADP
gujaf-379	327	7	nigeria	nigeria	PROPN
gujaf-379	327	8	's	's	PART
gujaf-379	327	9	informal	informal	ADJ
gujaf-379	327	10	sector	sector	NOUN
gujaf-379	327	11	.	.	PUNCT
gujaf-379	328	1	journal	journal	NOUN
gujaf-379	328	2	of	of	ADP
gujaf-379	328	3	african	african	ADJ
gujaf-379	328	4	business	business	NOUN
gujaf-379	328	5	,	,	PUNCT
gujaf-379	328	6	24(1	24(1	NUM
gujaf-379	328	7	)	)	PUNCT
gujaf-379	328	8	,	,	PUNCT
gujaf-379	328	9	34–52	34–52	NUM
gujaf-379	328	10	.	.	PUNCT
gujaf-379	329	1	https://doi.org/10.1080/15228916.2023.2166782	https://doi.org/10.1080/15228916.2023.2166782	PROPN