id	sid	tid	token	lemma	pos
gujaf-64	1	1	gusau	gusau	PROPN
gujaf-64	1	2	journal	journal	NOUN
gujaf-64	1	3	of	of	ADP
gujaf-64	1	4	accounting	accounting	NOUN
gujaf-64	1	5	and	and	CCONJ
gujaf-64	1	6	finance	finance	NOUN
gujaf-64	1	7	,	,	PUNCT
gujaf-64	1	8	vol	vol	NOUN
gujaf-64	1	9	.	.	PROPN
gujaf-64	1	10	2	2	NUM
gujaf-64	1	11	,	,	PUNCT
gujaf-64	1	12	issue	issue	NOUN
gujaf-64	1	13	2	2	NUM
gujaf-64	1	14	,	,	PUNCT
gujaf-64	1	15	april	april	PROPN
gujaf-64	1	16	,	,	PUNCT
gujaf-64	1	17	2021	2021	NUM
gujaf-64	1	18	1	1	NUM
gujaf-64	1	19	gusau	gusau	ADJ
gujaf-64	1	20	journal	journal	NOUN
gujaf-64	1	21	of	of	ADP
gujaf-64	1	22	accounting	accounting	NOUN
gujaf-64	1	23	and	and	CCONJ
gujaf-64	1	24	finance	finance	NOUN
gujaf-64	1	25	(	(	PUNCT
gujaf-64	1	26	gujaf	gujaf	NOUN
gujaf-64	1	27	)	)	PUNCT
gujaf-64	1	28	vol	vol	NOUN
gujaf-64	1	29	.	.	NOUN
gujaf-64	1	30	2	2	NUM
gujaf-64	1	31	issue	issue	NOUN
gujaf-64	1	32	2	2	NUM
gujaf-64	1	33	april	april	PROPN
gujaf-64	1	34	,	,	PUNCT
gujaf-64	1	35	2021	2021	NUM
gujaf-64	1	36	issn	issn	X
gujaf-64	1	37	:	:	PUNCT
gujaf-64	1	38	2756	2756	NUM
gujaf-64	1	39	-	-	PUNCT
gujaf-64	1	40	665x	665x	NOUN
gujaf-64	1	41	a	a	DET
gujaf-64	1	42	publication	publication	NOUN
gujaf-64	1	43	of	of	ADP
gujaf-64	1	44	department	department	NOUN
gujaf-64	1	45	of	of	ADP
gujaf-64	1	46	accounting	accounting	NOUN
gujaf-64	1	47	and	and	CCONJ
gujaf-64	1	48	finance	finance	NOUN
gujaf-64	1	49	,	,	PUNCT
gujaf-64	1	50	faculty	faculty	NOUN
gujaf-64	1	51	of	of	ADP
gujaf-64	1	52	management	management	NOUN
gujaf-64	1	53	and	and	CCONJ
gujaf-64	1	54	social	social	ADJ
gujaf-64	1	55	sciences	science	NOUN
gujaf-64	1	56	,	,	PUNCT
gujaf-64	1	57	federal	federal	ADJ
gujaf-64	1	58	university	university	NOUN
gujaf-64	1	59	gusau	gusau	NOUN
gujaf-64	1	60	,	,	PUNCT
gujaf-64	1	61	zamfara	zamfara	PROPN
gujaf-64	1	62	state	state	PROPN
gujaf-64	1	63	-nigeria	-nigeria	PROPN
gujaf-64	1	64	gusau	gusau	ADJ
gujaf-64	1	65	journal	journal	NOUN
gujaf-64	1	66	of	of	ADP
gujaf-64	1	67	accounting	accounting	NOUN
gujaf-64	1	68	and	and	CCONJ
gujaf-64	1	69	finance	finance	NOUN
gujaf-64	1	70	,	,	PUNCT
gujaf-64	1	71	vol	vol	NOUN
gujaf-64	1	72	.	.	PROPN
gujaf-64	1	73	2	2	NUM
gujaf-64	1	74	,	,	PUNCT
gujaf-64	1	75	issue	issue	NOUN
gujaf-64	1	76	2	2	NUM
gujaf-64	1	77	,	,	PUNCT
gujaf-64	1	78	april	april	PROPN
gujaf-64	1	79	,	,	PUNCT
gujaf-64	1	80	2021	2021	NUM
gujaf-64	1	81	2	2	NUM
gujaf-64	1	82	bank	bank	NOUN
gujaf-64	1	83	specific	specific	ADJ
gujaf-64	1	84	factors	factor	NOUN
gujaf-64	1	85	and	and	CCONJ
gujaf-64	1	86	asset	asset	NOUN
gujaf-64	1	87	quality	quality	NOUN
gujaf-64	1	88	of	of	ADP
gujaf-64	1	89	listed	list	VERB
gujaf-64	1	90	deposit	deposit	NOUN
gujaf-64	1	91	money	money	NOUN
gujaf-64	1	92	banks	bank	NOUN
gujaf-64	1	93	in	in	ADP
gujaf-64	1	94	nigeria	nigeria	PROPN
gujaf-64	1	95	popoola	popoola	PROPN
gujaf-64	1	96	muhammad	muhammad	PROPN
gujaf-64	1	97	lanre	lanre	PROPN
gujaf-64	1	98	department	department	PROPN
gujaf-64	1	99	of	of	ADP
gujaf-64	1	100	accounting	account	VERB
gujaf-64	1	101	ahmadu	ahmadu	PROPN
gujaf-64	1	102	bello	bello	PROPN
gujaf-64	1	103	university	university	NOUN
gujaf-64	1	104	,	,	PUNCT
gujaf-64	1	105	zaria	zaria	PROPN
gujaf-64	1	106	ishaya	ishaya	PROPN
gujaf-64	1	107	l.	l.	PROPN
gujaf-64	1	108	chechet	chechet	PROPN
gujaf-64	1	109	phd	phd	PROPN
gujaf-64	1	110	professor	professor	NOUN
gujaf-64	1	111	of	of	ADP
gujaf-64	1	112	accounting	accounting	NOUN
gujaf-64	1	113	and	and	CCONJ
gujaf-64	1	114	finance	finance	PROPN
gujaf-64	1	115	department	department	NOUN
gujaf-64	1	116	of	of	ADP
gujaf-64	1	117	accounting	account	VERB
gujaf-64	1	118	ahmadu	ahmadu	PROPN
gujaf-64	1	119	bello	bello	PROPN
gujaf-64	1	120	university	university	NOUN
gujaf-64	1	121	,	,	PUNCT
gujaf-64	1	122	zaria	zaria	PROPN
gujaf-64	1	123	aisha	aisha	PROPN
gujaf-64	1	124	nuhu	nuhu	PROPN
gujaf-64	1	125	mohammed	mohammed	PROPN
gujaf-64	1	126	phd	phd	PROPN
gujaf-64	1	127	department	department	PROPN
gujaf-64	1	128	of	of	ADP
gujaf-64	1	129	accounting	account	VERB
gujaf-64	1	130	ahmadu	ahmadu	PROPN
gujaf-64	1	131	bello	bello	PROPN
gujaf-64	1	132	university	university	NOUN
gujaf-64	1	133	,	,	PUNCT
gujaf-64	1	134	zaria	zaria	PROPN
gujaf-64	1	135	abstract	abstract	ADV
gujaf-64	1	136	this	this	DET
gujaf-64	1	137	study	study	NOUN
gujaf-64	1	138	examined	examine	VERB
gujaf-64	1	139	the	the	DET
gujaf-64	1	140	effect	effect	NOUN
gujaf-64	1	141	of	of	ADP
gujaf-64	1	142	bank	bank	NOUN
gujaf-64	1	143	specific	specific	ADJ
gujaf-64	1	144	factors	factor	NOUN
gujaf-64	1	145	on	on	ADP
gujaf-64	1	146	asset	asset	NOUN
gujaf-64	1	147	quality	quality	NOUN
gujaf-64	1	148	of	of	ADP
gujaf-64	1	149	listed	list	VERB
gujaf-64	1	150	deposit	deposit	NOUN
gujaf-64	1	151	money	money	NOUN
gujaf-64	1	152	banks	bank	NOUN
gujaf-64	1	153	in	in	ADP
gujaf-64	1	154	nigeria	nigeria	PROPN
gujaf-64	1	155	.	.	PUNCT
gujaf-64	2	1	asset	asset	NOUN
gujaf-64	2	2	quality	quality	NOUN
gujaf-64	2	3	was	be	AUX
gujaf-64	2	4	proxied	proxie	VERB
gujaf-64	2	5	by	by	ADP
gujaf-64	2	6	nonperforming	nonperforme	VERB
gujaf-64	2	7	assets	asset	NOUN
gujaf-64	2	8	whereas	whereas	SCONJ
gujaf-64	2	9	the	the	DET
gujaf-64	2	10	independent	independent	ADJ
gujaf-64	2	11	variables	variable	NOUN
gujaf-64	2	12	include	include	VERB
gujaf-64	2	13	return	return	NOUN
gujaf-64	2	14	on	on	ADP
gujaf-64	2	15	asset	asset	NOUN
gujaf-64	2	16	,	,	PUNCT
gujaf-64	2	17	interest	interest	NOUN
gujaf-64	2	18	income	income	NOUN
gujaf-64	2	19	spread	spread	NOUN
gujaf-64	2	20	,	,	PUNCT
gujaf-64	2	21	income	income	NOUN
gujaf-64	2	22	diversity	diversity	NOUN
gujaf-64	2	23	and	and	CCONJ
gujaf-64	2	24	credit	credit	NOUN
gujaf-64	2	25	growth	growth	NOUN
gujaf-64	2	26	rate	rate	NOUN
gujaf-64	2	27	.	.	PUNCT
gujaf-64	3	1	the	the	DET
gujaf-64	3	2	study	study	NOUN
gujaf-64	3	3	used	use	VERB
gujaf-64	3	4	a	a	DET
gujaf-64	3	5	correlation	correlation	NOUN
gujaf-64	3	6	research	research	NOUN
gujaf-64	3	7	design	design	NOUN
gujaf-64	3	8	for	for	ADP
gujaf-64	3	9	which	which	PRON
gujaf-64	3	10	data	datum	NOUN
gujaf-64	3	11	were	be	AUX
gujaf-64	3	12	collected	collect	VERB
gujaf-64	3	13	from	from	ADP
gujaf-64	3	14	the	the	DET
gujaf-64	3	15	published	publish	VERB
gujaf-64	3	16	annual	annual	ADJ
gujaf-64	3	17	financial	financial	ADJ
gujaf-64	3	18	reports	report	NOUN
gujaf-64	3	19	and	and	CCONJ
gujaf-64	3	20	accounts	account	NOUN
gujaf-64	3	21	of	of	ADP
gujaf-64	3	22	the	the	DET
gujaf-64	3	23	studied	study	VERB
gujaf-64	3	24	dmbs	dmb	NOUN
gujaf-64	3	25	listed	list	VERB
gujaf-64	3	26	in	in	ADP
gujaf-64	3	27	nigeria	nigeria	PROPN
gujaf-64	3	28	for	for	ADP
gujaf-64	3	29	seven	seven	NUM
gujaf-64	3	30	years	year	NOUN
gujaf-64	3	31	(	(	PUNCT
gujaf-64	3	32	(	(	PUNCT
gujaf-64	3	33	2012	2012	NUM
gujaf-64	3	34	-	-	SYM
gujaf-64	3	35	2018	2018	NUM
gujaf-64	3	36	)	)	PUNCT
gujaf-64	3	37	and	and	CCONJ
gujaf-64	3	38	analyzed	analyze	VERB
gujaf-64	3	39	using	use	VERB
gujaf-64	3	40	multiple	multiple	ADJ
gujaf-64	3	41	regression	regression	NOUN
gujaf-64	3	42	analysis	analysis	NOUN
gujaf-64	3	43	with	with	ADP
gujaf-64	3	44	the	the	DET
gujaf-64	3	45	aid	aid	NOUN
gujaf-64	3	46	of	of	ADP
gujaf-64	3	47	stata	stata	NOUN
gujaf-64	3	48	software	software	NOUN
gujaf-64	3	49	.	.	PUNCT
gujaf-64	4	1	the	the	DET
gujaf-64	4	2	population	population	NOUN
gujaf-64	4	3	consisted	consist	VERB
gujaf-64	4	4	of	of	ADP
gujaf-64	4	5	the	the	DET
gujaf-64	4	6	14	14	NUM
gujaf-64	4	7	listed	list	VERB
gujaf-64	4	8	dmbs	dmb	NOUN
gujaf-64	4	9	on	on	ADP
gujaf-64	4	10	the	the	DET
gujaf-64	4	11	nigerian	nigerian	ADJ
gujaf-64	4	12	stock	stock	NOUN
gujaf-64	4	13	exchange	exchange	NOUN
gujaf-64	4	14	as	as	ADP
gujaf-64	4	15	at	at	ADP
gujaf-64	4	16	31	31	NUM
gujaf-64	4	17	st	st	PROPN
gujaf-64	4	18	december	december	PROPN
gujaf-64	4	19	,	,	PUNCT
gujaf-64	4	20	2018	2018	NUM
gujaf-64	4	21	,	,	PUNCT
gujaf-64	4	22	whereas	whereas	SCONJ
gujaf-64	4	23	as	as	ADP
gujaf-64	4	24	a	a	DET
gujaf-64	4	25	result	result	NOUN
gujaf-64	4	26	of	of	ADP
gujaf-64	4	27	applying	apply	VERB
gujaf-64	4	28	a	a	DET
gujaf-64	4	29	filter	filter	NOUN
gujaf-64	4	30	,	,	PUNCT
gujaf-64	4	31	the	the	DET
gujaf-64	4	32	sample	sample	NOUN
gujaf-64	4	33	size	size	NOUN
gujaf-64	4	34	was	be	AUX
gujaf-64	4	35	13	13	NUM
gujaf-64	4	36	listed	list	VERB
gujaf-64	4	37	dmbs	dmb	NOUN
gujaf-64	4	38	.	.	PUNCT
gujaf-64	5	1	the	the	DET
gujaf-64	5	2	outcome	outcome	NOUN
gujaf-64	5	3	of	of	ADP
gujaf-64	5	4	the	the	DET
gujaf-64	5	5	study	study	NOUN
gujaf-64	5	6	revealed	reveal	VERB
gujaf-64	5	7	that	that	SCONJ
gujaf-64	5	8	roa	roa	PROPN
gujaf-64	5	9	has	have	VERB
gujaf-64	5	10	a	a	DET
gujaf-64	5	11	negative	negative	ADJ
gujaf-64	5	12	and	and	CCONJ
gujaf-64	5	13	significant	significant	ADJ
gujaf-64	5	14	effect	effect	NOUN
gujaf-64	5	15	on	on	ADP
gujaf-64	5	16	asset	asset	NOUN
gujaf-64	5	17	quality	quality	NOUN
gujaf-64	5	18	of	of	ADP
gujaf-64	5	19	listed	list	VERB
gujaf-64	5	20	dmbs	dmb	NOUN
gujaf-64	5	21	in	in	ADP
gujaf-64	5	22	nigeria	nigeria	PROPN
gujaf-64	5	23	.	.	PUNCT
gujaf-64	6	1	while	while	SCONJ
gujaf-64	6	2	income	income	NOUN
gujaf-64	6	3	diversity	diversity	NOUN
gujaf-64	6	4	and	and	CCONJ
gujaf-64	6	5	interest	interest	NOUN
gujaf-64	6	6	income	income	NOUN
gujaf-64	6	7	spread	spread	NOUN
gujaf-64	6	8	have	have	VERB
gujaf-64	6	9	a	a	DET
gujaf-64	6	10	favorable	favorable	ADJ
gujaf-64	6	11	and	and	CCONJ
gujaf-64	6	12	considerable	considerable	ADJ
gujaf-64	6	13	impact	impact	NOUN
gujaf-64	6	14	on	on	ADP
gujaf-64	6	15	dmb	dmb	PROPN
gujaf-64	6	16	asset	asset	NOUN
gujaf-64	6	17	quality	quality	NOUN
gujaf-64	6	18	in	in	ADP
gujaf-64	6	19	nigeria	nigeria	PROPN
gujaf-64	6	20	.	.	PUNCT
gujaf-64	7	1	credit	credit	NOUN
gujaf-64	7	2	growth	growth	NOUN
gujaf-64	7	3	rate	rate	NOUN
gujaf-64	7	4	,	,	PUNCT
gujaf-64	7	5	on	on	ADP
gujaf-64	7	6	the	the	DET
gujaf-64	7	7	other	other	ADJ
gujaf-64	7	8	hand	hand	NOUN
gujaf-64	7	9	,	,	PUNCT
gujaf-64	7	10	had	have	VERB
gujaf-64	7	11	a	a	DET
gujaf-64	7	12	favorable	favorable	ADJ
gujaf-64	7	13	but	but	CCONJ
gujaf-64	7	14	negligible	negligible	ADJ
gujaf-64	7	15	influence	influence	NOUN
gujaf-64	7	16	on	on	ADP
gujaf-64	7	17	asset	asset	NOUN
gujaf-64	7	18	quality	quality	NOUN
gujaf-64	7	19	of	of	ADP
gujaf-64	7	20	nigerian	nigerian	ADJ
gujaf-64	7	21	listed	list	VERB
gujaf-64	7	22	dmbs	dmb	NOUN
gujaf-64	7	23	.	.	PUNCT
gujaf-64	8	1	the	the	DET
gujaf-64	8	2	study	study	NOUN
gujaf-64	8	3	concludes	conclude	VERB
gujaf-64	8	4	that	that	SCONJ
gujaf-64	8	5	management	management	NOUN
gujaf-64	8	6	of	of	ADP
gujaf-64	8	7	listed	list	VERB
gujaf-64	8	8	dmbs	dmb	NOUN
gujaf-64	8	9	in	in	ADP
gujaf-64	8	10	nigeria	nigeria	PROPN
gujaf-64	8	11	should	should	AUX
gujaf-64	8	12	aim	aim	VERB
gujaf-64	8	13	to	to	PART
gujaf-64	8	14	balance	balance	VERB
gujaf-64	8	15	their	their	PRON
gujaf-64	8	16	profit	profit	NOUN
gujaf-64	8	17	pursuit	pursuit	NOUN
gujaf-64	8	18	with	with	ADP
gujaf-64	8	19	better	well	ADJ
gujaf-64	8	20	asset	asset	NOUN
gujaf-64	8	21	quality	quality	NOUN
gujaf-64	8	22	,	,	PUNCT
gujaf-64	8	23	based	base	VERB
gujaf-64	8	24	on	on	ADP
gujaf-64	8	25	the	the	DET
gujaf-64	8	26	data	datum	NOUN
gujaf-64	8	27	.	.	PUNCT
gujaf-64	9	1	furthermore	furthermore	ADV
gujaf-64	9	2	,	,	PUNCT
gujaf-64	9	3	in	in	ADP
gujaf-64	9	4	order	order	NOUN
gujaf-64	9	5	to	to	PART
gujaf-64	9	6	enhance	enhance	VERB
gujaf-64	9	7	the	the	DET
gujaf-64	9	8	asset	asset	NOUN
gujaf-64	9	9	quality	quality	NOUN
gujaf-64	9	10	of	of	ADP
gujaf-64	9	11	dmbs	dmb	NOUN
gujaf-64	9	12	,	,	PUNCT
gujaf-64	9	13	the	the	DET
gujaf-64	9	14	study	study	NOUN
gujaf-64	9	15	suggests	suggest	VERB
gujaf-64	9	16	that	that	SCONJ
gujaf-64	9	17	management	management	NOUN
gujaf-64	9	18	should	should	AUX
gujaf-64	9	19	always	always	ADV
gujaf-64	9	20	guarantee	guarantee	VERB
gujaf-64	9	21	that	that	SCONJ
gujaf-64	9	22	other	other	ADJ
gujaf-64	9	23	investments	investment	NOUN
gujaf-64	9	24	outside	outside	ADP
gujaf-64	9	25	of	of	ADP
gujaf-64	9	26	their	their	PRON
gujaf-64	9	27	lending	lending	NOUN
gujaf-64	9	28	/	/	SYM
gujaf-64	9	29	financial	financial	ADJ
gujaf-64	9	30	intermediation	intermediation	NOUN
gujaf-64	9	31	business	business	NOUN
gujaf-64	9	32	are	be	AUX
gujaf-64	9	33	kept	keep	VERB
gujaf-64	9	34	to	to	ADP
gujaf-64	9	35	a	a	DET
gujaf-64	9	36	minimum	minimum	NOUN
gujaf-64	9	37	or	or	CCONJ
gujaf-64	9	38	not	not	PART
gujaf-64	9	39	prioritized	prioritize	VERB
gujaf-64	9	40	at	at	ADV
gujaf-64	9	41	all	all	ADV
gujaf-64	9	42	.	.	PUNCT
gujaf-64	10	1	keywords	keyword	NOUN
gujaf-64	10	2	:	:	PUNCT
gujaf-64	10	3	asset	asset	NOUN
gujaf-64	10	4	quality	quality	NOUN
gujaf-64	10	5	,	,	PUNCT
gujaf-64	10	6	return	return	VERB
gujaf-64	10	7	on	on	ADP
gujaf-64	10	8	assets	asset	NOUN
gujaf-64	10	9	,	,	PUNCT
gujaf-64	10	10	interest	interest	NOUN
gujaf-64	10	11	income	income	NOUN
gujaf-64	10	12	spread	spread	NOUN
gujaf-64	10	13	,	,	PUNCT
gujaf-64	10	14	income	income	NOUN
gujaf-64	10	15	diversity	diversity	NOUN
gujaf-64	10	16	,	,	PUNCT
gujaf-64	10	17	credit	credit	NOUN
gujaf-64	10	18	growth	growth	NOUN
gujaf-64	10	19	rate	rate	NOUN
gujaf-64	10	20	.	.	PUNCT
gujaf-64	11	1	1	1	X
gujaf-64	11	2	.	.	X
gujaf-64	11	3	introduction	introduction	NOUN
gujaf-64	11	4	the	the	DET
gujaf-64	11	5	monetary	monetary	ADJ
gujaf-64	11	6	strength	strength	NOUN
gujaf-64	11	7	of	of	ADP
gujaf-64	11	8	an	an	DET
gujaf-64	11	9	economy	economy	NOUN
gujaf-64	11	10	rests	rest	VERB
gujaf-64	11	11	on	on	ADP
gujaf-64	11	12	the	the	DET
gujaf-64	11	13	firmness	firmness	NOUN
gujaf-64	11	14	and	and	CCONJ
gujaf-64	11	15	flexibility	flexibility	NOUN
gujaf-64	11	16	of	of	ADP
gujaf-64	11	17	its	its	PRON
gujaf-64	11	18	banking	banking	NOUN
gujaf-64	11	19	arrangement	arrangement	NOUN
gujaf-64	11	20	.	.	PUNCT
gujaf-64	12	1	financial	financial	ADJ
gujaf-64	12	2	sector	sector	NOUN
gujaf-64	12	3	stability	stability	NOUN
gujaf-64	12	4	,	,	PUNCT
gujaf-64	12	5	on	on	ADP
gujaf-64	12	6	the	the	DET
gujaf-64	12	7	other	other	ADJ
gujaf-64	12	8	hand	hand	NOUN
gujaf-64	12	9	,	,	PUNCT
gujaf-64	12	10	is	be	AUX
gujaf-64	12	11	contingent	contingent	ADJ
gujaf-64	12	12	on	on	ADP
gujaf-64	12	13	financial	financial	ADJ
gujaf-64	12	14	institutions	institution	NOUN
gujaf-64	12	15	having	have	VERB
gujaf-64	12	16	reasonably	reasonably	ADV
gujaf-64	12	17	good	good	ADJ
gujaf-64	12	18	asset	asset	NOUN
gujaf-64	12	19	quality	quality	NOUN
gujaf-64	12	20	that	that	PRON
gujaf-64	12	21	will	will	AUX
gujaf-64	12	22	in	in	ADP
gujaf-64	12	23	turn	turn	VERB
gujaf-64	12	24	help	help	NOUN
gujaf-64	12	25	in	in	ADP
gujaf-64	12	26	achieving	achieve	VERB
gujaf-64	12	27	profitability	profitability	NOUN
gujaf-64	12	28	.	.	PUNCT
gujaf-64	13	1	failure	failure	NOUN
gujaf-64	13	2	to	to	PART
gujaf-64	13	3	therefore	therefore	ADV
gujaf-64	13	4	ensure	ensure	VERB
gujaf-64	13	5	an	an	DET
gujaf-64	13	6	unwavering	unwavering	ADJ
gujaf-64	13	7	financial	financial	ADJ
gujaf-64	13	8	system	system	NOUN
gujaf-64	13	9	can	can	AUX
gujaf-64	13	10	result	result	VERB
gujaf-64	13	11	to	to	ADP
gujaf-64	13	12	financial	financial	ADJ
gujaf-64	13	13	risk	risk	NOUN
gujaf-64	13	14	that	that	PRON
gujaf-64	13	15	may	may	AUX
gujaf-64	13	16	lead	lead	VERB
gujaf-64	13	17	to	to	ADP
gujaf-64	13	18	crisis	crisis	NOUN
gujaf-64	13	19	when	when	SCONJ
gujaf-64	13	20	the	the	DET
gujaf-64	13	21	market	market	NOUN
gujaf-64	13	22	is	be	AUX
gujaf-64	13	23	not	not	PART
gujaf-64	13	24	liquid	liquid	ADJ
gujaf-64	13	25	.	.	PUNCT
gujaf-64	14	1	the	the	DET
gujaf-64	14	2	significance	significance	NOUN
gujaf-64	14	3	of	of	ADP
gujaf-64	14	4	stable	stable	ADJ
gujaf-64	14	5	monetary	monetary	ADJ
gujaf-64	14	6	institution	institution	NOUN
gujaf-64	14	7	can	can	AUX
gujaf-64	14	8	be	be	AUX
gujaf-64	14	9	well	well	ADV
gujaf-64	14	10	comprehend	comprehend	ADJ
gujaf-64	14	11	as	as	ADP
gujaf-64	14	12	a	a	DET
gujaf-64	14	13	result	result	NOUN
gujaf-64	14	14	of	of	ADP
gujaf-64	14	15	worldwide	worldwide	ADJ
gujaf-64	14	16	economic	economic	ADJ
gujaf-64	14	17	crisis	crisis	NOUN
gujaf-64	14	18	of	of	ADP
gujaf-64	14	19	2008	2008	NUM
gujaf-64	14	20	,	,	PUNCT
gujaf-64	14	21	which	which	PRON
gujaf-64	14	22	brought	bring	VERB
gujaf-64	14	23	about	about	ADP
gujaf-64	14	24	the	the	DET
gujaf-64	14	25	total	total	ADJ
gujaf-64	14	26	failure	failure	NOUN
gujaf-64	14	27	of	of	ADP
gujaf-64	14	28	the	the	DET
gujaf-64	14	29	world	world	NOUN
gujaf-64	14	30	financial	financial	ADJ
gujaf-64	14	31	system	system	NOUN
gujaf-64	14	32	(	(	PUNCT
gujaf-64	14	33	swamy	swamy	NOUN
gujaf-64	14	34	,	,	PUNCT
gujaf-64	14	35	2015	2015	NUM
gujaf-64	14	36	)	)	PUNCT
gujaf-64	14	37	.	.	PUNCT
gujaf-64	15	1	the	the	DET
gujaf-64	15	2	financial	financial	ADJ
gujaf-64	15	3	crisis	crisis	NOUN
gujaf-64	15	4	caused	cause	VERB
gujaf-64	15	5	an	an	DET
gujaf-64	15	6	unforgettable	unforgettable	ADJ
gujaf-64	15	7	memory	memory	NOUN
gujaf-64	15	8	for	for	ADP
gujaf-64	15	9	most	most	ADJ
gujaf-64	15	10	businesses	business	NOUN
gujaf-64	15	11	globally	globally	ADV
gujaf-64	15	12	.	.	PUNCT
gujaf-64	16	1	financial	financial	ADJ
gujaf-64	16	2	institutions	institution	NOUN
gujaf-64	16	3	were	be	AUX
gujaf-64	16	4	not	not	PART
gujaf-64	16	5	insusceptible	insusceptible	ADJ
gujaf-64	16	6	from	from	ADP
gujaf-64	16	7	the	the	DET
gujaf-64	16	8	financial	financial	ADJ
gujaf-64	16	9	crisis	crisis	NOUN
gujaf-64	16	10	because	because	SCONJ
gujaf-64	16	11	money	money	NOUN
gujaf-64	16	12	is	be	AUX
gujaf-64	16	13	their	their	PRON
gujaf-64	16	14	stock	stock	NOUN
gujaf-64	16	15	in	in	ADP
gujaf-64	16	16	trade	trade	NOUN
gujaf-64	16	17	that	that	PRON
gujaf-64	16	18	they	they	PRON
gujaf-64	16	19	trade	trade	VERB
gujaf-64	16	20	in	in	ADP
gujaf-64	16	21	form	form	NOUN
gujaf-64	16	22	of	of	ADP
gujaf-64	16	23	deposits	deposit	NOUN
gujaf-64	16	24	mobilization	mobilization	NOUN
gujaf-64	16	25	from	from	ADP
gujaf-64	16	26	countless	countless	ADJ
gujaf-64	16	27	sources	source	NOUN
gujaf-64	16	28	and	and	CCONJ
gujaf-64	16	29	offer	offer	VERB
gujaf-64	16	30	same	same	ADJ
gujaf-64	16	31	to	to	ADP
gujaf-64	16	32	a	a	DET
gujaf-64	16	33	diverse	diverse	ADJ
gujaf-64	16	34	set	set	NOUN
gujaf-64	16	35	of	of	ADP
gujaf-64	16	36	economic	economic	ADJ
gujaf-64	16	37	managers	manager	NOUN
gujaf-64	16	38	in	in	ADP
gujaf-64	16	39	forms	form	NOUN
gujaf-64	16	40	of	of	ADP
gujaf-64	16	41	loans	loan	NOUN
gujaf-64	16	42	and	and	CCONJ
gujaf-64	16	43	advances	advance	NOUN
gujaf-64	16	44	(	(	PUNCT
gujaf-64	16	45	abata	abata	NOUN
gujaf-64	16	46	,	,	PUNCT
gujaf-64	16	47	2014	2014	NUM
gujaf-64	16	48	)	)	PUNCT
gujaf-64	16	49	.	.	PUNCT
gujaf-64	17	1	this	this	DET
gujaf-64	17	2	money	money	NOUN
gujaf-64	17	3	creation	creation	NOUN
gujaf-64	17	4	practice	practice	NOUN
gujaf-64	17	5	of	of	ADP
gujaf-64	17	6	banks	bank	NOUN
gujaf-64	17	7	needs	need	VERB
gujaf-64	17	8	adequate	adequate	ADJ
gujaf-64	17	9	quality	quality	NOUN
gujaf-64	17	10	asset	asset	NOUN
gujaf-64	17	11	for	for	ADP
gujaf-64	17	12	the	the	DET
gujaf-64	17	13	purpose	purpose	NOUN
gujaf-64	17	14	of	of	ADP
gujaf-64	17	15	going	go	VERB
gujaf-64	17	16	concern	concern	NOUN
gujaf-64	17	17	,	,	PUNCT
gujaf-64	17	18	gusau	gusau	ADJ
gujaf-64	17	19	journal	journal	NOUN
gujaf-64	17	20	of	of	ADP
gujaf-64	17	21	accounting	accounting	NOUN
gujaf-64	17	22	and	and	CCONJ
gujaf-64	17	23	finance	finance	NOUN
gujaf-64	17	24	,	,	PUNCT
gujaf-64	17	25	vol	vol	NOUN
gujaf-64	17	26	.	.	PROPN
gujaf-64	17	27	2	2	NUM
gujaf-64	17	28	,	,	PUNCT
gujaf-64	17	29	issue	issue	NOUN
gujaf-64	17	30	2	2	NUM
gujaf-64	17	31	,	,	PUNCT
gujaf-64	17	32	april	april	PROPN
gujaf-64	17	33	,	,	PUNCT
gujaf-64	17	34	2021	2021	NUM
gujaf-64	17	35	3	3	NUM
gujaf-64	17	36	firmness	firmness	NOUN
gujaf-64	17	37	,	,	PUNCT
gujaf-64	17	38	progress	progress	NOUN
gujaf-64	17	39	and	and	CCONJ
gujaf-64	17	40	development	development	NOUN
gujaf-64	17	41	as	as	ADV
gujaf-64	17	42	well	well	ADV
gujaf-64	17	43	as	as	ADP
gujaf-64	17	44	to	to	PART
gujaf-64	17	45	maximize	maximize	VERB
gujaf-64	17	46	the	the	DET
gujaf-64	17	47	wealth	wealth	NOUN
gujaf-64	17	48	of	of	ADP
gujaf-64	17	49	the	the	DET
gujaf-64	17	50	firms	firm	NOUN
gujaf-64	17	51	in	in	ADP
gujaf-64	17	52	both	both	CCONJ
gujaf-64	17	53	the	the	DET
gujaf-64	17	54	short	short	ADJ
gujaf-64	17	55	and	and	CCONJ
gujaf-64	17	56	long	long	ADJ
gujaf-64	17	57	run	run	NOUN
gujaf-64	17	58	of	of	ADP
gujaf-64	17	59	the	the	DET
gujaf-64	17	60	business	business	NOUN
gujaf-64	17	61	process	process	NOUN
gujaf-64	17	62	(	(	PUNCT
gujaf-64	17	63	sharafeddine	sharafeddine	NOUN
gujaf-64	17	64	,	,	PUNCT
gujaf-64	17	65	2015	2015	NUM
gujaf-64	17	66	)	)	PUNCT
gujaf-64	17	67	asset	asset	NOUN
gujaf-64	17	68	quality	quality	NOUN
gujaf-64	17	69	,	,	PUNCT
gujaf-64	17	70	according	accord	VERB
gujaf-64	17	71	to	to	ADP
gujaf-64	17	72	abata	abata	PROPN
gujaf-64	17	73	(	(	PUNCT
gujaf-64	17	74	2014	2014	NUM
gujaf-64	17	75	)	)	PUNCT
gujaf-64	17	76	,	,	PUNCT
gujaf-64	17	77	is	be	AUX
gujaf-64	17	78	an	an	DET
gujaf-64	17	79	element	element	NOUN
gujaf-64	17	80	of	of	ADP
gujaf-64	17	81	bank	bank	PROPN
gujaf-64	17	82	administration	administration	NOUN
gujaf-64	17	83	that	that	PRON
gujaf-64	17	84	entails	entail	VERB
gujaf-64	17	85	assessing	assess	VERB
gujaf-64	17	86	a	a	DET
gujaf-64	17	87	business	business	NOUN
gujaf-64	17	88	entity	entity	NOUN
gujaf-64	17	89	's	's	PART
gujaf-64	17	90	assets	asset	NOUN
gujaf-64	17	91	in	in	ADP
gujaf-64	17	92	order	order	NOUN
gujaf-64	17	93	to	to	PART
gujaf-64	17	94	determine	determine	VERB
gujaf-64	17	95	the	the	DET
gujaf-64	17	96	degree	degree	NOUN
gujaf-64	17	97	of	of	ADP
gujaf-64	17	98	the	the	DET
gujaf-64	17	99	level	level	NOUN
gujaf-64	17	100	and	and	CCONJ
gujaf-64	17	101	magnitude	magnitude	NOUN
gujaf-64	17	102	of	of	ADP
gujaf-64	17	103	credit	credit	NOUN
gujaf-64	17	104	risk	risk	NOUN
gujaf-64	17	105	associated	associate	VERB
gujaf-64	17	106	with	with	ADP
gujaf-64	17	107	its	its	PRON
gujaf-64	17	108	procedures	procedure	NOUN
gujaf-64	17	109	.	.	PUNCT
gujaf-64	18	1	in	in	ADP
gujaf-64	18	2	the	the	DET
gujaf-64	18	3	financial	financial	ADJ
gujaf-64	18	4	industry	industry	NOUN
gujaf-64	18	5	,	,	PUNCT
gujaf-64	18	6	asset	asset	NOUN
gujaf-64	18	7	quality	quality	NOUN
gujaf-64	18	8	is	be	AUX
gujaf-64	18	9	linked	link	VERB
gujaf-64	18	10	to	to	ADP
gujaf-64	18	11	the	the	DET
gujaf-64	18	12	quality	quality	NOUN
gujaf-64	18	13	of	of	ADP
gujaf-64	18	14	loans	loan	NOUN
gujaf-64	18	15	issued	issue	VERB
gujaf-64	18	16	by	by	ADP
gujaf-64	18	17	the	the	DET
gujaf-64	18	18	financial	financial	ADJ
gujaf-64	18	19	institution	institution	NOUN
gujaf-64	18	20	,	,	PUNCT
gujaf-64	18	21	and	and	CCONJ
gujaf-64	18	22	the	the	DET
gujaf-64	18	23	quality	quality	NOUN
gujaf-64	18	24	of	of	ADP
gujaf-64	18	25	loans	loan	NOUN
gujaf-64	18	26	is	be	AUX
gujaf-64	18	27	measured	measure	VERB
gujaf-64	18	28	by	by	ADP
gujaf-64	18	29	nonperforming	nonperforme	VERB
gujaf-64	18	30	assets	asset	NOUN
gujaf-64	18	31	(	(	PUNCT
gujaf-64	18	32	npa	npa	NOUN
gujaf-64	18	33	)	)	PUNCT
gujaf-64	18	34	,	,	PUNCT
gujaf-64	18	35	which	which	PRON
gujaf-64	18	36	includes	include	VERB
gujaf-64	18	37	outstanding	outstanding	ADJ
gujaf-64	18	38	loans	loan	NOUN
gujaf-64	18	39	and	and	CCONJ
gujaf-64	18	40	follow	follow	VERB
gujaf-64	18	41	-	-	PUNCT
gujaf-64	18	42	up	up	ADP
gujaf-64	18	43	loans	loan	NOUN
gujaf-64	18	44	(	(	PUNCT
gujaf-64	18	45	etale	etale	NOUN
gujaf-64	18	46	,	,	PUNCT
gujaf-64	18	47	ayunku	ayunku	NOUN
gujaf-64	18	48	&	&	CCONJ
gujaf-64	18	49	etale	etale	NOUN
gujaf-64	18	50	,	,	PUNCT
gujaf-64	18	51	2016	2016	NUM
gujaf-64	18	52	)	)	PUNCT
gujaf-64	18	53	.	.	PUNCT
gujaf-64	19	1	swamy	swamy	PROPN
gujaf-64	19	2	,	,	PUNCT
gujaf-64	19	3	(	(	PUNCT
gujaf-64	19	4	2015	2015	NUM
gujaf-64	19	5	)	)	PUNCT
gujaf-64	19	6	stated	state	VERB
gujaf-64	19	7	that	that	SCONJ
gujaf-64	19	8	regulation	regulation	NOUN
gujaf-64	19	9	and	and	CCONJ
gujaf-64	19	10	supervision	supervision	NOUN
gujaf-64	19	11	,	,	PUNCT
gujaf-64	19	12	accounting	accounting	NOUN
gujaf-64	19	13	and	and	CCONJ
gujaf-64	19	14	auditing	auditing	NOUN
gujaf-64	19	15	quality	quality	NOUN
gujaf-64	19	16	,	,	PUNCT
gujaf-64	19	17	and	and	CCONJ
gujaf-64	19	18	the	the	DET
gujaf-64	19	19	quantity	quantity	NOUN
gujaf-64	19	20	of	of	ADP
gujaf-64	19	21	continuous	continuous	ADJ
gujaf-64	19	22	reorganization	reorganization	NOUN
gujaf-64	19	23	of	of	ADP
gujaf-64	19	24	fragile	fragile	ADJ
gujaf-64	19	25	loans	loan	NOUN
gujaf-64	19	26	all	all	DET
gujaf-64	19	27	influence	influence	VERB
gujaf-64	19	28	the	the	DET
gujaf-64	19	29	degree	degree	NOUN
gujaf-64	19	30	at	at	ADP
gujaf-64	19	31	which	which	PRON
gujaf-64	19	32	asset	asset	NOUN
gujaf-64	19	33	quality	quality	NOUN
gujaf-64	19	34	gauges‟	gauges‟	PROPN
gujaf-64	19	35	genuine	genuine	ADJ
gujaf-64	19	36	performance	performance	NOUN
gujaf-64	19	37	in	in	ADP
gujaf-64	19	38	banks	bank	NOUN
gujaf-64	19	39	.	.	PUNCT
gujaf-64	20	1	bank	bank	NOUN
gujaf-64	20	2	-	-	PUNCT
gujaf-64	20	3	specific	specific	ADJ
gujaf-64	20	4	elements	element	NOUN
gujaf-64	20	5	are	be	AUX
gujaf-64	20	6	those	those	PRON
gujaf-64	20	7	that	that	PRON
gujaf-64	20	8	are	be	AUX
gujaf-64	20	9	unique	unique	ADJ
gujaf-64	20	10	to	to	ADP
gujaf-64	20	11	the	the	DET
gujaf-64	20	12	procedures	procedure	NOUN
gujaf-64	20	13	of	of	ADP
gujaf-64	20	14	financial	financial	ADJ
gujaf-64	20	15	institutions	institution	NOUN
gujaf-64	20	16	,	,	PUNCT
gujaf-64	20	17	and	and	CCONJ
gujaf-64	20	18	they	they	PRON
gujaf-64	20	19	are	be	AUX
gujaf-64	20	20	referred	refer	VERB
gujaf-64	20	21	to	to	ADP
gujaf-64	20	22	in	in	ADP
gujaf-64	20	23	a	a	DET
gujaf-64	20	24	variety	variety	NOUN
gujaf-64	20	25	of	of	ADP
gujaf-64	20	26	ways	way	NOUN
gujaf-64	20	27	.	.	PUNCT
gujaf-64	21	1	it	it	PRON
gujaf-64	21	2	's	be	AUX
gujaf-64	21	3	only	only	ADV
gujaf-64	21	4	reasonable	reasonable	ADJ
gujaf-64	21	5	for	for	SCONJ
gujaf-64	21	6	banks	bank	NOUN
gujaf-64	21	7	to	to	PART
gujaf-64	21	8	try	try	VERB
gujaf-64	21	9	to	to	PART
gujaf-64	21	10	lend	lend	VERB
gujaf-64	21	11	with	with	ADP
gujaf-64	21	12	care	care	NOUN
gujaf-64	21	13	on	on	ADP
gujaf-64	21	14	the	the	DET
gujaf-64	21	15	one	one	NUM
gujaf-64	21	16	hand	hand	NOUN
gujaf-64	21	17	while	while	SCONJ
gujaf-64	21	18	increasing	increase	VERB
gujaf-64	21	19	profitability	profitability	NOUN
gujaf-64	21	20	on	on	ADP
gujaf-64	21	21	the	the	DET
gujaf-64	21	22	other	other	ADJ
gujaf-64	21	23	.	.	PUNCT
gujaf-64	22	1	while	while	SCONJ
gujaf-64	22	2	several	several	ADJ
gujaf-64	22	3	studies	study	NOUN
gujaf-64	22	4	have	have	AUX
gujaf-64	22	5	been	be	AUX
gujaf-64	22	6	carried	carry	VERB
gujaf-64	22	7	out	out	ADP
gujaf-64	22	8	to	to	PART
gujaf-64	22	9	examine	examine	VERB
gujaf-64	22	10	the	the	DET
gujaf-64	22	11	effect	effect	NOUN
gujaf-64	22	12	of	of	ADP
gujaf-64	22	13	bank	bank	NOUN
gujaf-64	22	14	-	-	PUNCT
gujaf-64	22	15	specific	specific	ADJ
gujaf-64	22	16	factors	factor	NOUN
gujaf-64	22	17	and	and	CCONJ
gujaf-64	22	18	macroeconomic	macroeconomic	ADJ
gujaf-64	22	19	variables	variable	NOUN
gujaf-64	22	20	on	on	ADP
gujaf-64	22	21	asset	asset	NOUN
gujaf-64	22	22	quality	quality	NOUN
gujaf-64	22	23	as	as	SCONJ
gujaf-64	22	24	proxied	proxie	VERB
gujaf-64	22	25	by	by	ADP
gujaf-64	22	26	nonperforming	nonperforme	VERB
gujaf-64	22	27	assets	asset	NOUN
gujaf-64	22	28	in	in	ADP
gujaf-64	22	29	both	both	CCONJ
gujaf-64	22	30	developed	developed	ADJ
gujaf-64	22	31	and	and	CCONJ
gujaf-64	22	32	developing	develop	VERB
gujaf-64	22	33	nations	nation	NOUN
gujaf-64	22	34	(	(	PUNCT
gujaf-64	22	35	for	for	ADP
gujaf-64	22	36	example	example	NOUN
gujaf-64	22	37	,	,	PUNCT
gujaf-64	22	38	owoputi	owoputi	NOUN
gujaf-64	22	39	adeyefa	adeyefa	PROPN
gujaf-64	22	40	&	&	CCONJ
gujaf-64	22	41	kayode	kayode	PROPN
gujaf-64	22	42	,	,	PUNCT
gujaf-64	22	43	2014	2014	NUM
gujaf-64	22	44	;	;	PUNCT
gujaf-64	22	45	badar	badar	PROPN
gujaf-64	22	46	&	&	CCONJ
gujaf-64	22	47	yasmin	yasmin	PROPN
gujaf-64	22	48	,	,	PUNCT
gujaf-64	22	49	2013	2013	NUM
gujaf-64	22	50	:	:	PUNCT
gujaf-64	22	51	gesu	gesu	PROPN
gujaf-64	22	52	,	,	PUNCT
gujaf-64	22	53	2014	2014	NUM
gujaf-64	22	54	;	;	PUNCT
gujaf-64	22	55	ofori	ofori	ADJ
gujaf-64	22	56	-	-	PUNCT
gujaf-64	22	57	abebrese	abebrese	ADJ
gujaf-64	22	58	,	,	PUNCT
gujaf-64	22	59	pickson	pickson	NOUN
gujaf-64	22	60	&	&	CCONJ
gujaf-64	22	61	opare	opare	PROPN
gujaf-64	22	62	2016	2016	NUM
gujaf-64	22	63	)	)	PUNCT
gujaf-64	22	64	,	,	PUNCT
gujaf-64	22	65	there	there	PRON
gujaf-64	22	66	is	be	VERB
gujaf-64	22	67	hardly	hardly	ADV
gujaf-64	22	68	any	any	DET
gujaf-64	22	69	consistency	consistency	NOUN
gujaf-64	22	70	in	in	ADP
gujaf-64	22	71	results	result	NOUN
gujaf-64	22	72	.	.	PUNCT
gujaf-64	23	1	the	the	DET
gujaf-64	23	2	study	study	NOUN
gujaf-64	23	3	is	be	AUX
gujaf-64	23	4	based	base	VERB
gujaf-64	23	5	on	on	ADP
gujaf-64	23	6	internal	internal	ADJ
gujaf-64	23	7	factors	factor	NOUN
gujaf-64	23	8	alone	alone	ADV
gujaf-64	23	9	while	while	SCONJ
gujaf-64	23	10	previous	previous	ADJ
gujaf-64	23	11	researches	research	NOUN
gujaf-64	23	12	were	be	AUX
gujaf-64	23	13	on	on	ADP
gujaf-64	23	14	both	both	CCONJ
gujaf-64	23	15	internal	internal	ADJ
gujaf-64	23	16	and	and	CCONJ
gujaf-64	23	17	external	external	ADJ
gujaf-64	23	18	factors	factor	NOUN
gujaf-64	23	19	.	.	PUNCT
gujaf-64	24	1	hence	hence	ADV
gujaf-64	24	2	,	,	PUNCT
gujaf-64	24	3	it	it	PRON
gujaf-64	24	4	appears	appear	VERB
gujaf-64	24	5	hard	hard	ADJ
gujaf-64	24	6	to	to	PART
gujaf-64	24	7	extrapolate	extrapolate	VERB
gujaf-64	24	8	the	the	DET
gujaf-64	24	9	effects	effect	NOUN
gujaf-64	24	10	of	of	ADP
gujaf-64	24	11	previous	previous	ADJ
gujaf-64	24	12	studies	study	NOUN
gujaf-64	24	13	to	to	ADP
gujaf-64	24	14	the	the	DET
gujaf-64	24	15	content	content	NOUN
gujaf-64	24	16	of	of	ADP
gujaf-64	24	17	nigeria	nigeria	PROPN
gujaf-64	24	18	for	for	ADP
gujaf-64	24	19	the	the	DET
gujaf-64	24	20	fact	fact	NOUN
gujaf-64	24	21	that	that	SCONJ
gujaf-64	24	22	findings	finding	NOUN
gujaf-64	24	23	are	be	AUX
gujaf-64	24	24	mixed	mixed	ADJ
gujaf-64	24	25	,	,	PUNCT
gujaf-64	24	26	unclear	unclear	ADJ
gujaf-64	24	27	and	and	CCONJ
gujaf-64	24	28	very	very	ADV
gujaf-64	24	29	difficult	difficult	ADJ
gujaf-64	24	30	to	to	PART
gujaf-64	24	31	generalize	generalize	VERB
gujaf-64	24	32	.	.	PUNCT
gujaf-64	25	1	this	this	DET
gujaf-64	25	2	inconsistency	inconsistency	NOUN
gujaf-64	25	3	in	in	ADP
gujaf-64	25	4	findings	finding	NOUN
gujaf-64	25	5	may	may	AUX
gujaf-64	25	6	be	be	AUX
gujaf-64	25	7	linked	link	VERB
gujaf-64	25	8	with	with	ADP
gujaf-64	25	9	the	the	DET
gujaf-64	25	10	method	method	NOUN
gujaf-64	25	11	of	of	ADP
gujaf-64	25	12	data	datum	NOUN
gujaf-64	25	13	analysis	analysis	NOUN
gujaf-64	25	14	used	use	VERB
gujaf-64	25	15	by	by	ADP
gujaf-64	25	16	diverse	diverse	ADJ
gujaf-64	25	17	researchers	researcher	NOUN
gujaf-64	25	18	as	as	ADV
gujaf-64	25	19	well	well	ADV
gujaf-64	25	20	as	as	ADP
gujaf-64	25	21	variance	variance	NOUN
gujaf-64	25	22	in	in	ADP
gujaf-64	25	23	economic	economic	ADJ
gujaf-64	25	24	conditions	condition	NOUN
gujaf-64	25	25	in	in	ADP
gujaf-64	25	26	these	these	DET
gujaf-64	25	27	countries	country	NOUN
gujaf-64	25	28	where	where	SCONJ
gujaf-64	25	29	the	the	DET
gujaf-64	25	30	banks	bank	NOUN
gujaf-64	25	31	carry	carry	VERB
gujaf-64	25	32	out	out	ADP
gujaf-64	25	33	its	its	PRON
gujaf-64	25	34	operations	operation	NOUN
gujaf-64	25	35	.	.	PUNCT
gujaf-64	26	1	in	in	ADP
gujaf-64	26	2	response	response	NOUN
gujaf-64	26	3	to	to	ADP
gujaf-64	26	4	the	the	DET
gujaf-64	26	5	ever	ever	ADV
gujaf-64	26	6	occurring	occur	VERB
gujaf-64	26	7	problem	problem	NOUN
gujaf-64	26	8	of	of	ADP
gujaf-64	26	9	increase	increase	NOUN
gujaf-64	26	10	in	in	ADP
gujaf-64	26	11	npas	npas	NOUN
gujaf-64	26	12	that	that	PRON
gujaf-64	26	13	has	have	AUX
gujaf-64	26	14	defied	defy	VERB
gujaf-64	26	15	all	all	DET
gujaf-64	26	16	possible	possible	ADJ
gujaf-64	26	17	solutions	solution	NOUN
gujaf-64	26	18	worldwide	worldwide	ADV
gujaf-64	26	19	.	.	PUNCT
gujaf-64	27	1	this	this	DET
gujaf-64	27	2	study	study	NOUN
gujaf-64	27	3	will	will	AUX
gujaf-64	27	4	therefore	therefore	ADV
gujaf-64	27	5	,	,	PUNCT
gujaf-64	27	6	throw	throw	VERB
gujaf-64	27	7	more	more	ADJ
gujaf-64	27	8	light	light	NOUN
gujaf-64	27	9	on	on	ADP
gujaf-64	27	10	the	the	DET
gujaf-64	27	11	issue	issue	NOUN
gujaf-64	27	12	.	.	PUNCT
gujaf-64	28	1	consequently	consequently	ADV
gujaf-64	28	2	,	,	PUNCT
gujaf-64	28	3	the	the	DET
gujaf-64	28	4	objective	objective	NOUN
gujaf-64	28	5	of	of	ADP
gujaf-64	28	6	the	the	DET
gujaf-64	28	7	study	study	NOUN
gujaf-64	28	8	is	be	AUX
gujaf-64	28	9	to	to	ADP
gujaf-64	28	10	examining	examine	VERB
gujaf-64	28	11	the	the	DET
gujaf-64	28	12	effect	effect	NOUN
gujaf-64	28	13	of	of	ADP
gujaf-64	28	14	bank	bank	NOUN
gujaf-64	28	15	-	-	PUNCT
gujaf-64	28	16	specific	specific	ADJ
gujaf-64	28	17	factors	factor	NOUN
gujaf-64	28	18	on	on	ADP
gujaf-64	28	19	asq	asq	PROPN
gujaf-64	28	20	of	of	ADP
gujaf-64	28	21	listed	list	VERB
gujaf-64	28	22	dmbs	dmb	NOUN
gujaf-64	28	23	in	in	ADP
gujaf-64	28	24	nigeria	nigeria	PROPN
gujaf-64	28	25	.	.	PUNCT
gujaf-64	29	1	in	in	ADP
gujaf-64	29	2	view	view	NOUN
gujaf-64	29	3	of	of	ADP
gujaf-64	29	4	this	this	PRON
gujaf-64	29	5	,	,	PUNCT
gujaf-64	29	6	it	it	PRON
gujaf-64	29	7	is	be	AUX
gujaf-64	29	8	hypothesized	hypothesize	VERB
gujaf-64	29	9	that	that	SCONJ
gujaf-64	29	10	there	there	PRON
gujaf-64	29	11	is	be	VERB
gujaf-64	29	12	no	no	DET
gujaf-64	29	13	significant	significant	ADJ
gujaf-64	29	14	effect	effect	NOUN
gujaf-64	29	15	of	of	ADP
gujaf-64	29	16	bank	bank	NOUN
gujaf-64	29	17	specific	specific	ADJ
gujaf-64	29	18	factors	factor	NOUN
gujaf-64	29	19	on	on	ADP
gujaf-64	29	20	asset	asset	NOUN
gujaf-64	29	21	quality	quality	NOUN
gujaf-64	29	22	of	of	ADP
gujaf-64	29	23	listed	list	VERB
gujaf-64	29	24	dmbs	dmb	NOUN
gujaf-64	29	25	in	in	ADP
gujaf-64	29	26	nigeria	nigeria	PROPN
gujaf-64	29	27	.	.	PUNCT
gujaf-64	30	1	the	the	DET
gujaf-64	30	2	study	study	NOUN
gujaf-64	30	3	covered	cover	VERB
gujaf-64	30	4	a	a	DET
gujaf-64	30	5	sample	sample	NOUN
gujaf-64	30	6	of	of	ADP
gujaf-64	30	7	dmbs	dmb	NOUN
gujaf-64	30	8	listed	list	VERB
gujaf-64	30	9	on	on	ADP
gujaf-64	30	10	the	the	DET
gujaf-64	30	11	nigerian	nigerian	ADJ
gujaf-64	30	12	stock	stock	NOUN
gujaf-64	30	13	exchange	exchange	NOUN
gujaf-64	30	14	from	from	ADP
gujaf-64	30	15	the	the	DET
gujaf-64	30	16	period	period	NOUN
gujaf-64	30	17	of	of	ADP
gujaf-64	30	18	2012	2012	NUM
gujaf-64	30	19	to	to	ADP
gujaf-64	30	20	2018	2018	NUM
gujaf-64	30	21	.	.	PUNCT
gujaf-64	31	1	the	the	DET
gujaf-64	31	2	study	study	NOUN
gujaf-64	31	3	adds	add	VERB
gujaf-64	31	4	to	to	ADP
gujaf-64	31	5	the	the	DET
gujaf-64	31	6	literature	literature	NOUN
gujaf-64	31	7	available	available	ADJ
gujaf-64	31	8	in	in	ADP
gujaf-64	31	9	nigeria	nigeria	PROPN
gujaf-64	31	10	on	on	ADP
gujaf-64	31	11	nonperforming	nonperforme	VERB
gujaf-64	31	12	asset	asset	NOUN
gujaf-64	31	13	and	and	CCONJ
gujaf-64	31	14	establishes	establish	VERB
gujaf-64	31	15	the	the	DET
gujaf-64	31	16	joint	joint	ADJ
gujaf-64	31	17	effect	effect	NOUN
gujaf-64	31	18	of	of	ADP
gujaf-64	31	19	bank	bank	NOUN
gujaf-64	31	20	specific	specific	ADJ
gujaf-64	31	21	factors	factor	NOUN
gujaf-64	31	22	on	on	ADP
gujaf-64	31	23	asset	asset	NOUN
gujaf-64	31	24	quality	quality	NOUN
gujaf-64	31	25	in	in	ADP
gujaf-64	31	26	nigeria	nigeria	PROPN
gujaf-64	31	27	,	,	PUNCT
gujaf-64	31	28	the	the	DET
gujaf-64	31	29	study	study	NOUN
gujaf-64	31	30	will	will	AUX
gujaf-64	31	31	be	be	AUX
gujaf-64	31	32	of	of	ADP
gujaf-64	31	33	assistance	assistance	NOUN
gujaf-64	31	34	to	to	ADP
gujaf-64	31	35	industry	industry	NOUN
gujaf-64	31	36	regulators	regulator	NOUN
gujaf-64	31	37	and	and	CCONJ
gujaf-64	31	38	policymakers	policymaker	NOUN
gujaf-64	31	39	in	in	ADP
gujaf-64	31	40	identifying	identify	VERB
gujaf-64	31	41	those	those	DET
gujaf-64	31	42	specific	specific	ADJ
gujaf-64	31	43	factors	factor	NOUN
gujaf-64	31	44	which	which	PRON
gujaf-64	31	45	,	,	PUNCT
gujaf-64	31	46	if	if	SCONJ
gujaf-64	31	47	not	not	PART
gujaf-64	31	48	properly	properly	ADV
gujaf-64	31	49	handled	handle	VERB
gujaf-64	31	50	can	can	AUX
gujaf-64	31	51	result	result	VERB
gujaf-64	31	52	to	to	PART
gujaf-64	31	53	increase	increase	VERB
gujaf-64	31	54	in	in	ADP
gujaf-64	31	55	the	the	DET
gujaf-64	31	56	level	level	NOUN
gujaf-64	31	57	of	of	ADP
gujaf-64	31	58	npas	npas	NOUN
gujaf-64	31	59	in	in	ADP
gujaf-64	31	60	financial	financial	ADJ
gujaf-64	31	61	sector	sector	NOUN
gujaf-64	31	62	and	and	CCONJ
gujaf-64	31	63	to	to	PART
gujaf-64	31	64	ensure	ensure	VERB
gujaf-64	31	65	strict	strict	ADJ
gujaf-64	31	66	compliance	compliance	NOUN
gujaf-64	31	67	with	with	ADP
gujaf-64	31	68	regulations	regulation	NOUN
gujaf-64	31	69	on	on	ADP
gujaf-64	31	70	such	such	ADJ
gujaf-64	31	71	variables	variable	NOUN
gujaf-64	31	72	.	.	PUNCT
gujaf-64	32	1	the	the	DET
gujaf-64	32	2	study	study	NOUN
gujaf-64	32	3	will	will	AUX
gujaf-64	32	4	as	as	ADV
gujaf-64	32	5	well	well	ADV
gujaf-64	32	6	assist	assist	VERB
gujaf-64	32	7	the	the	DET
gujaf-64	32	8	management	management	NOUN
gujaf-64	32	9	of	of	ADP
gujaf-64	32	10	the	the	DET
gujaf-64	32	11	banks	bank	NOUN
gujaf-64	32	12	to	to	PART
gujaf-64	32	13	understand	understand	VERB
gujaf-64	32	14	which	which	DET
gujaf-64	32	15	bank	bank	NOUN
gujaf-64	32	16	-	-	PUNCT
gujaf-64	32	17	specific	specific	ADJ
gujaf-64	32	18	factor	factor	NOUN
gujaf-64	32	19	has	have	VERB
gujaf-64	32	20	either	either	CCONJ
gujaf-64	32	21	negative	negative	ADJ
gujaf-64	32	22	/	/	SYM
gujaf-64	32	23	or	or	CCONJ
gujaf-64	32	24	positive	positive	ADJ
gujaf-64	32	25	effect	effect	NOUN
gujaf-64	32	26	on	on	ADP
gujaf-64	32	27	the	the	DET
gujaf-64	32	28	quality	quality	NOUN
gujaf-64	32	29	of	of	ADP
gujaf-64	32	30	their	their	PRON
gujaf-64	32	31	assets	asset	NOUN
gujaf-64	32	32	,	,	PUNCT
gujaf-64	32	33	which	which	PRON
gujaf-64	32	34	will	will	AUX
gujaf-64	32	35	enable	enable	VERB
gujaf-64	32	36	them	they	PRON
gujaf-64	32	37	to	to	PART
gujaf-64	32	38	know	know	VERB
gujaf-64	32	39	the	the	DET
gujaf-64	32	40	variables	variable	NOUN
gujaf-64	32	41	of	of	ADP
gujaf-64	32	42	the	the	DET
gujaf-64	32	43	internal	internal	ADJ
gujaf-64	32	44	specific	specific	ADJ
gujaf-64	32	45	factors	factor	NOUN
gujaf-64	32	46	should	should	AUX
gujaf-64	32	47	be	be	AUX
gujaf-64	32	48	given	give	VERB
gujaf-64	32	49	much	much	ADJ
gujaf-64	32	50	consideration	consideration	NOUN
gujaf-64	32	51	during	during	ADP
gujaf-64	32	52	the	the	DET
gujaf-64	32	53	credit	credit	NOUN
gujaf-64	32	54	review	review	NOUN
gujaf-64	32	55	,	,	PUNCT
gujaf-64	32	56	selection	selection	NOUN
gujaf-64	32	57	and	and	CCONJ
gujaf-64	32	58	approval	approval	NOUN
gujaf-64	32	59	by	by	ADP
gujaf-64	32	60	the	the	DET
gujaf-64	32	61	management	management	NOUN
gujaf-64	32	62	and	and	CCONJ
gujaf-64	32	63	board	board	NOUN
gujaf-64	32	64	credit	credit	NOUN
gujaf-64	32	65	committee	committee	NOUN
gujaf-64	32	66	.	.	PUNCT
gujaf-64	33	1	the	the	DET
gujaf-64	33	2	study	study	NOUN
gujaf-64	33	3	will	will	AUX
gujaf-64	33	4	also	also	ADV
gujaf-64	33	5	be	be	AUX
gujaf-64	33	6	useful	useful	ADJ
gujaf-64	33	7	to	to	ADP
gujaf-64	33	8	the	the	DET
gujaf-64	33	9	potential	potential	ADJ
gujaf-64	33	10	investors	investor	NOUN
gujaf-64	33	11	to	to	PART
gujaf-64	33	12	understand	understand	VERB
gujaf-64	33	13	the	the	DET
gujaf-64	33	14	internal	internal	ADJ
gujaf-64	33	15	specific	specific	ADJ
gujaf-64	33	16	factors	factor	NOUN
gujaf-64	33	17	that	that	PRON
gujaf-64	33	18	can	can	AUX
gujaf-64	33	19	affect	affect	VERB
gujaf-64	33	20	the	the	DET
gujaf-64	33	21	quality	quality	NOUN
gujaf-64	33	22	of	of	ADP
gujaf-64	33	23	bank	bank	NOUN
gujaf-64	33	24	assets	asset	NOUN
gujaf-64	33	25	if	if	SCONJ
gujaf-64	33	26	not	not	PART
gujaf-64	33	27	correctly	correctly	ADV
gujaf-64	33	28	managed	manage	VERB
gujaf-64	33	29	and	and	CCONJ
gujaf-64	33	30	which	which	PRON
gujaf-64	33	31	will	will	AUX
gujaf-64	33	32	at	at	ADP
gujaf-64	33	33	the	the	DET
gujaf-64	33	34	end	end	NOUN
gujaf-64	33	35	lead	lead	NOUN
gujaf-64	33	36	to	to	ADP
gujaf-64	33	37	poor	poor	ADJ
gujaf-64	33	38	performance	performance	NOUN
gujaf-64	33	39	.	.	PUNCT
gujaf-64	34	1	lastly	lastly	ADV
gujaf-64	34	2	,	,	PUNCT
gujaf-64	34	3	the	the	DET
gujaf-64	34	4	findings	finding	NOUN
gujaf-64	34	5	from	from	ADP
gujaf-64	34	6	the	the	DET
gujaf-64	34	7	study	study	NOUN
gujaf-64	34	8	would	would	AUX
gujaf-64	34	9	help	help	VERB
gujaf-64	34	10	to	to	PART
gujaf-64	34	11	shape	shape	VERB
gujaf-64	34	12	the	the	DET
gujaf-64	34	13	directions	direction	NOUN
gujaf-64	34	14	of	of	ADP
gujaf-64	34	15	future	future	ADJ
gujaf-64	34	16	researchers	researcher	NOUN
gujaf-64	34	17	through	through	ADP
gujaf-64	34	18	its	its	PRON
gujaf-64	34	19	recommendations	recommendation	NOUN
gujaf-64	34	20	and	and	CCONJ
gujaf-64	34	21	by	by	ADP
gujaf-64	34	22	taking	take	VERB
gujaf-64	34	23	advantage	advantage	NOUN
gujaf-64	34	24	of	of	ADP
gujaf-64	34	25	its	its	PRON
gujaf-64	34	26	limitations	limitation	NOUN
gujaf-64	34	27	.	.	PUNCT
gujaf-64	35	1	the	the	DET
gujaf-64	35	2	paper	paper	NOUN
gujaf-64	35	3	is	be	AUX
gujaf-64	35	4	in	in	ADP
gujaf-64	35	5	five	five	NUM
gujaf-64	35	6	parts	part	NOUN
gujaf-64	35	7	.	.	PUNCT
gujaf-64	36	1	section	section	NOUN
gujaf-64	36	2	two	two	NUM
gujaf-64	36	3	reviews	review	NOUN
gujaf-64	36	4	the	the	DET
gujaf-64	36	5	literature	literature	NOUN
gujaf-64	36	6	and	and	CCONJ
gujaf-64	36	7	discusses	discuss	VERB
gujaf-64	36	8	the	the	DET
gujaf-64	36	9	theoretical	theoretical	ADJ
gujaf-64	36	10	framework	framework	NOUN
gujaf-64	36	11	of	of	ADP
gujaf-64	36	12	the	the	DET
gujaf-64	36	13	study	study	NOUN
gujaf-64	36	14	.	.	PUNCT
gujaf-64	37	1	in	in	ADP
gujaf-64	37	2	section	section	NOUN
gujaf-64	37	3	three	three	NUM
gujaf-64	37	4	,	,	PUNCT
gujaf-64	37	5	we	we	PRON
gujaf-64	37	6	state	state	VERB
gujaf-64	37	7	the	the	DET
gujaf-64	37	8	methodology	methodology	NOUN
gujaf-64	37	9	used	use	VERB
gujaf-64	37	10	,	,	PUNCT
gujaf-64	37	11	describe	describe	VERB
gujaf-64	37	12	our	our	PRON
gujaf-64	37	13	sample	sample	NOUN
gujaf-64	37	14	gusau	gusau	ADJ
gujaf-64	37	15	journal	journal	NOUN
gujaf-64	37	16	of	of	ADP
gujaf-64	37	17	accounting	accounting	NOUN
gujaf-64	37	18	and	and	CCONJ
gujaf-64	37	19	finance	finance	NOUN
gujaf-64	37	20	,	,	PUNCT
gujaf-64	37	21	vol	vol	NOUN
gujaf-64	37	22	.	.	PROPN
gujaf-64	37	23	2	2	NUM
gujaf-64	37	24	,	,	PUNCT
gujaf-64	37	25	issue	issue	NOUN
gujaf-64	37	26	2	2	NUM
gujaf-64	37	27	,	,	PUNCT
gujaf-64	37	28	april	april	PROPN
gujaf-64	37	29	,	,	PUNCT
gujaf-64	37	30	2021	2021	NUM
gujaf-64	37	31	4	4	NUM
gujaf-64	37	32	and	and	CCONJ
gujaf-64	37	33	variables	variable	NOUN
gujaf-64	37	34	used	use	VERB
gujaf-64	37	35	in	in	ADP
gujaf-64	37	36	analysis	analysis	NOUN
gujaf-64	37	37	.	.	PUNCT
gujaf-64	38	1	in	in	ADP
gujaf-64	38	2	section	section	NOUN
gujaf-64	38	3	four	four	NUM
gujaf-64	38	4	,	,	PUNCT
gujaf-64	38	5	we	we	PRON
gujaf-64	38	6	provide	provide	VERB
gujaf-64	38	7	the	the	DET
gujaf-64	38	8	empirical	empirical	ADJ
gujaf-64	38	9	results	result	NOUN
gujaf-64	38	10	and	and	CCONJ
gujaf-64	38	11	discuss	discuss	VERB
gujaf-64	38	12	the	the	DET
gujaf-64	38	13	findings	finding	NOUN
gujaf-64	38	14	.	.	PUNCT
gujaf-64	39	1	section	section	NOUN
gujaf-64	39	2	five	five	NUM
gujaf-64	39	3	contains	contain	VERB
gujaf-64	39	4	our	our	PRON
gujaf-64	39	5	concluding	concluding	NOUN
gujaf-64	39	6	remarks	remark	NOUN
gujaf-64	39	7	as	as	ADV
gujaf-64	39	8	well	well	ADV
gujaf-64	39	9	as	as	ADP
gujaf-64	39	10	recommendations	recommendation	NOUN
gujaf-64	39	11	.	.	PUNCT
gujaf-64	40	1	2.1	2.1	NUM
gujaf-64	40	2	literature	literature	NOUN
gujaf-64	40	3	review	review	VERB
gujaf-64	40	4	several	several	ADJ
gujaf-64	40	5	studies	study	NOUN
gujaf-64	40	6	have	have	AUX
gujaf-64	40	7	empirically	empirically	ADV
gujaf-64	40	8	investigated	investigate	VERB
gujaf-64	40	9	the	the	DET
gujaf-64	40	10	bank	bank	NOUN
gujaf-64	40	11	-	-	PUNCT
gujaf-64	40	12	specific	specific	ADJ
gujaf-64	40	13	factors	factor	NOUN
gujaf-64	40	14	determinant	determinant	ADJ
gujaf-64	40	15	of	of	ADP
gujaf-64	40	16	nonperforming	nonperforme	VERB
gujaf-64	40	17	assets	asset	NOUN
gujaf-64	40	18	.	.	PUNCT
gujaf-64	41	1	for	for	ADP
gujaf-64	41	2	instance	instance	NOUN
gujaf-64	41	3	,	,	PUNCT
gujaf-64	41	4	kadioglu	kadioglu	PROPN
gujaf-64	41	5	,	,	PUNCT
gujaf-64	41	6	niyazi	niyazi	PROPN
gujaf-64	41	7	&	&	CCONJ
gujaf-64	41	8	nurcan	nurcan	PROPN
gujaf-64	41	9	(	(	PUNCT
gujaf-64	41	10	2017	2017	NUM
gujaf-64	41	11	)	)	PUNCT
gujaf-64	41	12	studied	study	VERB
gujaf-64	41	13	the	the	DET
gujaf-64	41	14	influence	influence	NOUN
gujaf-64	41	15	of	of	ADP
gujaf-64	41	16	asset	asset	NOUN
gujaf-64	41	17	quality	quality	NOUN
gujaf-64	41	18	on	on	ADP
gujaf-64	41	19	the	the	DET
gujaf-64	41	20	profitability	profitability	NOUN
gujaf-64	41	21	on	on	ADP
gujaf-64	41	22	listed	list	VERB
gujaf-64	41	23	banks	bank	NOUN
gujaf-64	41	24	in	in	ADP
gujaf-64	41	25	turkey	turkey	NOUN
gujaf-64	41	26	for	for	ADP
gujaf-64	41	27	the	the	DET
gujaf-64	41	28	period	period	NOUN
gujaf-64	41	29	20052016	20052016	NUM
gujaf-64	41	30	.	.	PUNCT
gujaf-64	42	1	the	the	DET
gujaf-64	42	2	study	study	NOUN
gujaf-64	42	3	used	use	VERB
gujaf-64	42	4	panel	panel	NOUN
gujaf-64	42	5	regression	regression	NOUN
gujaf-64	42	6	method	method	NOUN
gujaf-64	42	7	to	to	ADP
gujaf-64	42	8	a	a	DET
gujaf-64	42	9	quarterly	quarterly	ADJ
gujaf-64	42	10	data	datum	NOUN
gujaf-64	42	11	set	set	VERB
gujaf-64	42	12	.	.	PUNCT
gujaf-64	43	1	the	the	DET
gujaf-64	43	2	study	study	NOUN
gujaf-64	43	3	used	use	VERB
gujaf-64	43	4	1809	1809	NUM
gujaf-64	43	5	observations	observation	NOUN
gujaf-64	43	6	from	from	ADP
gujaf-64	43	7	55	55	NUM
gujaf-64	43	8	banks	bank	NOUN
gujaf-64	43	9	and	and	CCONJ
gujaf-64	43	10	documented	document	VERB
gujaf-64	43	11	a	a	DET
gujaf-64	43	12	significant	significant	ADJ
gujaf-64	43	13	inverse	inverse	NOUN
gujaf-64	43	14	relationship	relationship	NOUN
gujaf-64	43	15	between	between	ADP
gujaf-64	43	16	bank	bank	NOUN
gujaf-64	43	17	profitability	profitability	NOUN
gujaf-64	43	18	proxied	proxie	VERB
gujaf-64	43	19	by	by	ADP
gujaf-64	43	20	roa	roa	NOUN
gujaf-64	43	21	and	and	CCONJ
gujaf-64	43	22	asset	asset	NOUN
gujaf-64	43	23	quality	quality	NOUN
gujaf-64	43	24	proxied	proxie	VERB
gujaf-64	43	25	by	by	ADP
gujaf-64	43	26	nonperforming	nonperforme	VERB
gujaf-64	43	27	loans	loan	NOUN
gujaf-64	43	28	.	.	PUNCT
gujaf-64	44	1	mbella	mbella	NOUN
gujaf-64	44	2	and	and	CCONJ
gujaf-64	44	3	magloire	magloire	NOUN
gujaf-64	44	4	(	(	PUNCT
gujaf-64	44	5	2017	2017	NUM
gujaf-64	44	6	)	)	PUNCT
gujaf-64	44	7	also	also	ADV
gujaf-64	44	8	studied	study	VERB
gujaf-64	44	9	the	the	DET
gujaf-64	44	10	degree	degree	NOUN
gujaf-64	44	11	to	to	PART
gujaf-64	44	12	which	which	PRON
gujaf-64	44	13	bank	bank	NOUN
gujaf-64	44	14	-	-	PUNCT
gujaf-64	44	15	specific	specific	ADJ
gujaf-64	44	16	variables	variable	NOUN
gujaf-64	44	17	influence	influence	VERB
gujaf-64	44	18	the	the	DET
gujaf-64	44	19	performance	performance	NOUN
gujaf-64	44	20	of	of	ADP
gujaf-64	44	21	afriland	afriland	NOUN
gujaf-64	44	22	first	first	ADJ
gujaf-64	44	23	bank	bank	PROPN
gujaf-64	44	24	in	in	ADP
gujaf-64	44	25	cameroon	cameroon	NOUN
gujaf-64	44	26	for	for	ADP
gujaf-64	44	27	the	the	DET
gujaf-64	44	28	period	period	NOUN
gujaf-64	44	29	of	of	ADP
gujaf-64	44	30	2006	2006	NUM
gujaf-64	44	31	-2016	-2016	PROPN
gujaf-64	44	32	.	.	PUNCT
gujaf-64	45	1	the	the	DET
gujaf-64	45	2	critical	critical	ADJ
gujaf-64	45	3	internal	internal	ADJ
gujaf-64	45	4	variables	variable	NOUN
gujaf-64	45	5	identified	identify	VERB
gujaf-64	45	6	in	in	ADP
gujaf-64	45	7	the	the	DET
gujaf-64	45	8	study	study	NOUN
gujaf-64	45	9	were	be	AUX
gujaf-64	45	10	management	management	NOUN
gujaf-64	45	11	efficiency	efficiency	NOUN
gujaf-64	45	12	capital	capital	NOUN
gujaf-64	45	13	adequacy	adequacy	NOUN
gujaf-64	45	14	,	,	PUNCT
gujaf-64	45	15	asset	asset	NOUN
gujaf-64	45	16	quality	quality	NOUN
gujaf-64	45	17	,	,	PUNCT
gujaf-64	45	18	liquidity	liquidity	NOUN
gujaf-64	45	19	management	management	NOUN
gujaf-64	45	20	and	and	CCONJ
gujaf-64	45	21	returned	return	VERB
gujaf-64	45	22	on	on	ADP
gujaf-64	45	23	the	the	DET
gujaf-64	45	24	asset	asset	NOUN
gujaf-64	45	25	.	.	PUNCT
gujaf-64	46	1	they	they	PRON
gujaf-64	46	2	used	use	VERB
gujaf-64	46	3	gmm	gmm	PROPN
gujaf-64	46	4	estimation	estimation	NOUN
gujaf-64	46	5	and	and	CCONJ
gujaf-64	46	6	confirmed	confirm	VERB
gujaf-64	46	7	that	that	SCONJ
gujaf-64	46	8	asset	asset	NOUN
gujaf-64	46	9	quality	quality	NOUN
gujaf-64	46	10	has	have	VERB
gujaf-64	46	11	a	a	DET
gujaf-64	46	12	negative	negative	ADJ
gujaf-64	46	13	and	and	CCONJ
gujaf-64	46	14	significant	significant	ADJ
gujaf-64	46	15	effect	effect	NOUN
gujaf-64	46	16	on	on	ADP
gujaf-64	46	17	roa	roa	PROPN
gujaf-64	46	18	for	for	ADP
gujaf-64	46	19	the	the	DET
gujaf-64	46	20	period	period	NOUN
gujaf-64	46	21	.	.	PUNCT
gujaf-64	47	1	the	the	DET
gujaf-64	47	2	study	study	NOUN
gujaf-64	47	3	recommended	recommend	VERB
gujaf-64	47	4	that	that	SCONJ
gujaf-64	47	5	the	the	DET
gujaf-64	47	6	bank	bank	NOUN
gujaf-64	47	7	should	should	AUX
gujaf-64	47	8	avoid	avoid	VERB
gujaf-64	47	9	hazardous	hazardous	ADJ
gujaf-64	47	10	investments	investment	NOUN
gujaf-64	47	11	in	in	ADP
gujaf-64	47	12	the	the	DET
gujaf-64	47	13	future	future	NOUN
gujaf-64	47	14	.	.	PUNCT
gujaf-64	48	1	however	however	ADV
gujaf-64	48	2	,	,	PUNCT
gujaf-64	48	3	findings	finding	NOUN
gujaf-64	48	4	from	from	ADP
gujaf-64	48	5	a	a	DET
gujaf-64	48	6	single	single	ADJ
gujaf-64	48	7	bank	bank	NOUN
gujaf-64	48	8	can	can	AUX
gujaf-64	48	9	not	not	PART
gujaf-64	48	10	be	be	AUX
gujaf-64	48	11	generalized	generalize	VERB
gujaf-64	48	12	.	.	PUNCT
gujaf-64	49	1	mondal	mondal	NOUN
gujaf-64	49	2	(	(	PUNCT
gujaf-64	49	3	2016	2016	NUM
gujaf-64	49	4	)	)	PUNCT
gujaf-64	49	5	reviewed	review	VERB
gujaf-64	49	6	the	the	DET
gujaf-64	49	7	sensitivity	sensitivity	NOUN
gujaf-64	49	8	of	of	ADP
gujaf-64	49	9	non	non	ADJ
gujaf-64	49	10	-	-	ADJ
gujaf-64	49	11	performing	perform	VERB
gujaf-64	49	12	loan	loan	NOUN
gujaf-64	49	13	determinants	determinant	NOUN
gujaf-64	49	14	in	in	ADP
gujaf-64	49	15	the	the	DET
gujaf-64	49	16	bangladeshi	bangladeshi	ADJ
gujaf-64	49	17	banking	banking	NOUN
gujaf-64	49	18	industry	industry	NOUN
gujaf-64	49	19	.	.	PUNCT
gujaf-64	50	1	empirical	empirical	ADJ
gujaf-64	50	2	evidence	evidence	NOUN
gujaf-64	50	3	of	of	ADP
gujaf-64	50	4	the	the	DET
gujaf-64	50	5	potential	potential	ADJ
gujaf-64	50	6	impact	impact	NOUN
gujaf-64	50	7	of	of	ADP
gujaf-64	50	8	macroeconomic	macroeconomic	ADJ
gujaf-64	50	9	and	and	CCONJ
gujaf-64	50	10	internal	internal	ADJ
gujaf-64	50	11	factor	factor	NOUN
gujaf-64	50	12	variables	variable	NOUN
gujaf-64	50	13	on	on	ADP
gujaf-64	50	14	loan	loan	NOUN
gujaf-64	50	15	decline	decline	NOUN
gujaf-64	50	16	was	be	AUX
gujaf-64	50	17	documented	document	VERB
gujaf-64	50	18	.	.	PUNCT
gujaf-64	51	1	the	the	DET
gujaf-64	51	2	study	study	NOUN
gujaf-64	51	3	covered	cover	VERB
gujaf-64	51	4	22	22	NUM
gujaf-64	51	5	commercial	commercial	ADJ
gujaf-64	51	6	banks	bank	NOUN
gujaf-64	51	7	in	in	ADP
gujaf-64	51	8	bangladesh	bangladesh	NOUN
gujaf-64	51	9	for	for	ADP
gujaf-64	51	10	the	the	DET
gujaf-64	51	11	period	period	NOUN
gujaf-64	51	12	2005	2005	NUM
gujaf-64	51	13	-	-	SYM
gujaf-64	51	14	2014	2014	NUM
gujaf-64	51	15	.	.	PUNCT
gujaf-64	52	1	the	the	DET
gujaf-64	52	2	study	study	NOUN
gujaf-64	52	3	used	use	VERB
gujaf-64	52	4	gdp	gdp	PROPN
gujaf-64	52	5	,	,	PUNCT
gujaf-64	52	6	inflation	inflation	NOUN
gujaf-64	52	7	,	,	PUNCT
gujaf-64	52	8	the	the	DET
gujaf-64	52	9	spread	spread	NOUN
gujaf-64	52	10	of	of	ADP
gujaf-64	52	11	the	the	DET
gujaf-64	52	12	banking	banking	NOUN
gujaf-64	52	13	sector	sector	NOUN
gujaf-64	52	14	's	's	PART
gujaf-64	52	15	interest	interest	NOUN
gujaf-64	52	16	income	income	NOUN
gujaf-64	52	17	and	and	CCONJ
gujaf-64	52	18	unemployment	unemployment	NOUN
gujaf-64	52	19	rate	rate	NOUN
gujaf-64	52	20	as	as	ADP
gujaf-64	52	21	independent	independent	ADJ
gujaf-64	52	22	variables	variable	NOUN
gujaf-64	52	23	and	and	CCONJ
gujaf-64	52	24	nonperforming	nonperforme	VERB
gujaf-64	52	25	loans	loan	NOUN
gujaf-64	52	26	as	as	ADP
gujaf-64	52	27	dependent	dependent	ADJ
gujaf-64	52	28	variable	variable	NOUN
gujaf-64	52	29	.	.	PUNCT
gujaf-64	53	1	the	the	DET
gujaf-64	53	2	study	study	NOUN
gujaf-64	53	3	shows	show	VERB
gujaf-64	53	4	that	that	SCONJ
gujaf-64	53	5	npl	npl	PROPN
gujaf-64	53	6	is	be	AUX
gujaf-64	53	7	adversely	adversely	ADV
gujaf-64	53	8	affected	affect	VERB
gujaf-64	53	9	by	by	ADP
gujaf-64	53	10	the	the	DET
gujaf-64	53	11	increase	increase	NOUN
gujaf-64	53	12	in	in	ADP
gujaf-64	53	13	interest	interest	NOUN
gujaf-64	53	14	income	income	NOUN
gujaf-64	53	15	.	.	PUNCT
gujaf-64	54	1	kamunge	kamunge	PROPN
gujaf-64	54	2	(	(	PUNCT
gujaf-64	54	3	2013	2013	NUM
gujaf-64	54	4	)	)	PUNCT
gujaf-64	54	5	examined	examine	VERB
gujaf-64	54	6	the	the	DET
gujaf-64	54	7	effects	effect	NOUN
gujaf-64	54	8	of	of	ADP
gujaf-64	54	9	interest	interest	NOUN
gujaf-64	54	10	income	income	NOUN
gujaf-64	54	11	spread	spread	VERB
gujaf-64	54	12	on	on	ADP
gujaf-64	54	13	the	the	DET
gujaf-64	54	14	level	level	NOUN
gujaf-64	54	15	of	of	ADP
gujaf-64	54	16	nonperforming	nonperforme	VERB
gujaf-64	54	17	loans	loan	NOUN
gujaf-64	54	18	by	by	ADP
gujaf-64	54	19	commercial	commercial	ADJ
gujaf-64	54	20	banks	bank	NOUN
gujaf-64	54	21	in	in	ADP
gujaf-64	54	22	kenya	kenya	PROPN
gujaf-64	54	23	.	.	PUNCT
gujaf-64	55	1	the	the	DET
gujaf-64	55	2	study	study	NOUN
gujaf-64	55	3	made	make	VERB
gujaf-64	55	4	use	use	NOUN
gujaf-64	55	5	of	of	ADP
gujaf-64	55	6	explanatory	explanatory	ADJ
gujaf-64	55	7	research	research	NOUN
gujaf-64	55	8	design	design	NOUN
gujaf-64	55	9	to	to	PART
gujaf-64	55	10	establish	establish	VERB
gujaf-64	55	11	if	if	SCONJ
gujaf-64	55	12	the	the	DET
gujaf-64	55	13	causal	causal	ADJ
gujaf-64	55	14	relationship	relationship	NOUN
gujaf-64	55	15	between	between	ADP
gujaf-64	55	16	interest	interest	NOUN
gujaf-64	55	17	income	income	NOUN
gujaf-64	55	18	spread	spread	NOUN
gujaf-64	55	19	and	and	CCONJ
gujaf-64	55	20	level	level	NOUN
gujaf-64	55	21	of	of	ADP
gujaf-64	55	22	nonperforming	nonperforme	VERB
gujaf-64	55	23	loans	loan	NOUN
gujaf-64	55	24	exist	exist	VERB
gujaf-64	55	25	.	.	PUNCT
gujaf-64	56	1	the	the	DET
gujaf-64	56	2	population	population	NOUN
gujaf-64	56	3	of	of	ADP
gujaf-64	56	4	the	the	DET
gujaf-64	56	5	study	study	NOUN
gujaf-64	56	6	were	be	AUX
gujaf-64	56	7	43	43	NUM
gujaf-64	56	8	commercial	commercial	ADJ
gujaf-64	56	9	banks	bank	NOUN
gujaf-64	56	10	for	for	ADP
gujaf-64	56	11	the	the	DET
gujaf-64	56	12	period	period	NOUN
gujaf-64	56	13	20082012	20082012	NUM
gujaf-64	56	14	.	.	PUNCT
gujaf-64	57	1	independent	independent	ADJ
gujaf-64	57	2	variable	variable	NOUN
gujaf-64	57	3	was	be	AUX
gujaf-64	57	4	bank	bank	NOUN
gujaf-64	57	5	-	-	PUNCT
gujaf-64	57	6	specific	specific	ADJ
gujaf-64	57	7	factors	factor	NOUN
gujaf-64	57	8	proxied	proxie	VERB
gujaf-64	57	9	by	by	ADP
gujaf-64	57	10	interest	interest	NOUN
gujaf-64	57	11	income	income	NOUN
gujaf-64	57	12	spread	spread	NOUN
gujaf-64	57	13	,	,	PUNCT
gujaf-64	57	14	debt	debt	NOUN
gujaf-64	57	15	collection	collection	NOUN
gujaf-64	57	16	cost	cost	NOUN
gujaf-64	57	17	and	and	CCONJ
gujaf-64	57	18	credit	credit	NOUN
gujaf-64	57	19	appraisal	appraisal	NOUN
gujaf-64	57	20	cost	cost	NOUN
gujaf-64	57	21	while	while	SCONJ
gujaf-64	57	22	the	the	DET
gujaf-64	57	23	dependent	dependent	ADJ
gujaf-64	57	24	variable	variable	NOUN
gujaf-64	57	25	was	be	AUX
gujaf-64	57	26	nonperforming	nonperforme	VERB
gujaf-64	57	27	loans	loan	NOUN
gujaf-64	57	28	.	.	PUNCT
gujaf-64	58	1	secondary	secondary	ADJ
gujaf-64	58	2	data	datum	NOUN
gujaf-64	58	3	source	source	NOUN
gujaf-64	58	4	was	be	AUX
gujaf-64	58	5	used	use	VERB
gujaf-64	58	6	to	to	PART
gujaf-64	58	7	gather	gather	VERB
gujaf-64	58	8	relevant	relevant	ADJ
gujaf-64	58	9	information	information	NOUN
gujaf-64	58	10	to	to	PART
gujaf-64	58	11	reach	reach	VERB
gujaf-64	58	12	the	the	DET
gujaf-64	58	13	research	research	NOUN
gujaf-64	58	14	objective	objective	NOUN
gujaf-64	58	15	.	.	PUNCT
gujaf-64	59	1	the	the	DET
gujaf-64	59	2	result	result	NOUN
gujaf-64	59	3	shown	show	VERB
gujaf-64	59	4	that	that	SCONJ
gujaf-64	59	5	log	log	VERB
gujaf-64	59	6	interest	interest	NOUN
gujaf-64	59	7	income	income	NOUN
gujaf-64	59	8	spread	spread	VERB
gujaf-64	59	9	positively	positively	ADV
gujaf-64	59	10	significant	significant	ADJ
gujaf-64	59	11	in	in	ADP
gujaf-64	59	12	explaining	explain	VERB
gujaf-64	59	13	the	the	DET
gujaf-64	59	14	level	level	NOUN
gujaf-64	59	15	of	of	ADP
gujaf-64	59	16	nonperforming	nonperforme	VERB
gujaf-64	59	17	loans	loan	NOUN
gujaf-64	59	18	.	.	PUNCT
gujaf-64	60	1	the	the	DET
gujaf-64	60	2	study	study	NOUN
gujaf-64	60	3	,	,	PUNCT
gujaf-64	60	4	therefore	therefore	ADV
gujaf-64	60	5	,	,	PUNCT
gujaf-64	60	6	suggested	suggest	VERB
gujaf-64	60	7	that	that	SCONJ
gujaf-64	60	8	banks	bank	NOUN
gujaf-64	60	9	should	should	AUX
gujaf-64	60	10	be	be	AUX
gujaf-64	60	11	encouraged	encourage	VERB
gujaf-64	60	12	to	to	PART
gujaf-64	60	13	carry	carry	VERB
gujaf-64	60	14	out	out	ADP
gujaf-64	60	15	regular	regular	ADJ
gujaf-64	60	16	training	training	NOUN
gujaf-64	60	17	programme	programme	NOUN
gujaf-64	60	18	for	for	ADP
gujaf-64	60	19	credit	credit	NOUN
gujaf-64	60	20	staff	staff	NOUN
gujaf-64	60	21	.	.	PUNCT
gujaf-64	61	1	the	the	DET
gujaf-64	61	2	regulators	regulator	NOUN
gujaf-64	61	3	of	of	ADP
gujaf-64	61	4	the	the	DET
gujaf-64	61	5	banks	bank	NOUN
gujaf-64	61	6	too	too	ADV
gujaf-64	61	7	,	,	PUNCT
gujaf-64	61	8	should	should	AUX
gujaf-64	61	9	apply	apply	VERB
gujaf-64	61	10	stringent	stringent	ADJ
gujaf-64	61	11	regulations	regulation	NOUN
gujaf-64	61	12	on	on	ADP
gujaf-64	61	13	interest	interest	NOUN
gujaf-64	61	14	rates	rate	NOUN
gujaf-64	61	15	charged	charge	VERB
gujaf-64	61	16	by	by	ADP
gujaf-64	61	17	banks	bank	NOUN
gujaf-64	61	18	.	.	PUNCT
gujaf-64	62	1	however	however	ADV
gujaf-64	62	2	,	,	PUNCT
gujaf-64	62	3	the	the	DET
gujaf-64	62	4	study	study	NOUN
gujaf-64	62	5	carried	carry	VERB
gujaf-64	62	6	out	out	ADP
gujaf-64	62	7	before	before	ADP
gujaf-64	62	8	the	the	DET
gujaf-64	62	9	implementation	implementation	NOUN
gujaf-64	62	10	of	of	ADP
gujaf-64	62	11	international	international	ADJ
gujaf-64	62	12	financial	financial	ADJ
gujaf-64	62	13	reporting	reporting	NOUN
gujaf-64	62	14	standards	standard	NOUN
gujaf-64	62	15	(	(	PUNCT
gujaf-64	62	16	ifrs	ifrs	NOUN
gujaf-64	62	17	)	)	PUNCT
gujaf-64	62	18	.	.	PUNCT
gujaf-64	63	1	bayar	bayar	PROPN
gujaf-64	63	2	(	(	PUNCT
gujaf-64	63	3	2019	2019	NUM
gujaf-64	63	4	)	)	PUNCT
gujaf-64	63	5	carried	carry	VERB
gujaf-64	63	6	out	out	ADP
gujaf-64	63	7	an	an	DET
gujaf-64	63	8	investigation	investigation	NOUN
gujaf-64	63	9	on	on	ADP
gujaf-64	63	10	asset	asset	NOUN
gujaf-64	63	11	quality	quality	NOUN
gujaf-64	63	12	of	of	ADP
gujaf-64	63	13	an	an	DET
gujaf-64	63	14	emerging	emerge	VERB
gujaf-64	63	15	market	market	NOUN
gujaf-64	63	16	economies	economy	NOUN
gujaf-64	63	17	for	for	ADP
gujaf-64	63	18	the	the	DET
gujaf-64	63	19	period	period	NOUN
gujaf-64	63	20	2000	2000	NUM
gujaf-64	63	21	-	-	SYM
gujaf-64	63	22	2013	2013	NUM
gujaf-64	63	23	.	.	PUNCT
gujaf-64	64	1	dynamic	dynamic	ADJ
gujaf-64	64	2	data	datum	NOUN
gujaf-64	64	3	estimator	estimator	NOUN
gujaf-64	64	4	for	for	ADP
gujaf-64	64	5	the	the	DET
gujaf-64	64	6	gmm	gmm	PROPN
gujaf-64	64	7	panel	panel	NOUN
gujaf-64	64	8	system	system	NOUN
gujaf-64	64	9	was	be	AUX
gujaf-64	64	10	used	use	VERB
gujaf-64	64	11	.	.	PUNCT
gujaf-64	65	1	the	the	DET
gujaf-64	65	2	used	use	VERB
gujaf-64	65	3	unemployment	unemployment	NOUN
gujaf-64	65	4	,	,	PUNCT
gujaf-64	65	5	public	public	ADJ
gujaf-64	65	6	,	,	PUNCT
gujaf-64	65	7	economic	economic	ADJ
gujaf-64	65	8	growth	growth	NOUN
gujaf-64	65	9	,	,	PUNCT
gujaf-64	65	10	inflation	inflation	NOUN
gujaf-64	65	11	,	,	PUNCT
gujaf-64	65	12	general	general	ADJ
gujaf-64	65	13	government	government	NOUN
gujaf-64	65	14	borrowing	borrow	VERB
gujaf-64	65	15	net	net	ADJ
gujaf-64	65	16	income	income	NOUN
gujaf-64	65	17	(	(	PUNCT
gujaf-64	65	18	total	total	ADJ
gujaf-64	65	19	income	income	NOUN
gujaf-64	65	20	)	)	PUNCT
gujaf-64	65	21	(	(	PUNCT
gujaf-64	65	22	income	income	NOUN
gujaf-64	65	23	diversity	diversity	NOUN
gujaf-64	65	24	)	)	PUNCT
gujaf-64	65	25	,	,	PUNCT
gujaf-64	65	26	institutional	institutional	ADJ
gujaf-64	65	27	development	development	NOUN
gujaf-64	65	28	,	,	PUNCT
gujaf-64	65	29	credit	credit	NOUN
gujaf-64	65	30	growth	growth	NOUN
gujaf-64	65	31	,	,	PUNCT
gujaf-64	65	32	regulatory	regulatory	ADJ
gujaf-64	65	33	asset	asset	NOUN
gujaf-64	65	34	to	to	ADP
gujaf-64	65	35	risk	risk	NOUN
gujaf-64	65	36	-	-	PUNCT
gujaf-64	65	37	weighted	weight	VERB
gujaf-64	65	38	assets	asset	NOUN
gujaf-64	65	39	,	,	PUNCT
gujaf-64	65	40	return	return	VERB
gujaf-64	65	41	on	on	ADP
gujaf-64	65	42	assets	asset	NOUN
gujaf-64	65	43	,	,	PUNCT
gujaf-64	65	44	non	non	ADJ
gujaf-64	65	45	-	-	ADJ
gujaf-64	65	46	interest	interest	ADJ
gujaf-64	65	47	income	income	NOUN
gujaf-64	65	48	)	)	PUNCT
gujaf-64	65	49	as	as	ADP
gujaf-64	65	50	independent	independent	ADJ
gujaf-64	65	51	variables	variable	NOUN
gujaf-64	65	52	while	while	SCONJ
gujaf-64	65	53	loans	loan	NOUN
gujaf-64	65	54	was	be	AUX
gujaf-64	65	55	used	use	VERB
gujaf-64	65	56	as	as	ADP
gujaf-64	65	57	dependent	dependent	ADJ
gujaf-64	65	58	variable	variable	NOUN
gujaf-64	65	59	.	.	PUNCT
gujaf-64	66	1	the	the	DET
gujaf-64	66	2	outcome	outcome	NOUN
gujaf-64	66	3	of	of	ADP
gujaf-64	66	4	study	study	NOUN
gujaf-64	66	5	revealed	reveal	VERB
gujaf-64	66	6	that	that	SCONJ
gujaf-64	66	7	the	the	DET
gujaf-64	66	8	effect	effect	NOUN
gujaf-64	66	9	of	of	ADP
gujaf-64	66	10	income	income	NOUN
gujaf-64	66	11	diversity	diversity	NOUN
gujaf-64	66	12	on	on	ADP
gujaf-64	66	13	npl	npl	PROPN
gujaf-64	66	14	was	be	AUX
gujaf-64	66	15	adverse	adverse	ADJ
gujaf-64	66	16	.	.	PUNCT
gujaf-64	67	1	gusau	gusau	ADJ
gujaf-64	67	2	journal	journal	PROPN
gujaf-64	67	3	of	of	ADP
gujaf-64	67	4	accounting	accounting	NOUN
gujaf-64	67	5	and	and	CCONJ
gujaf-64	67	6	finance	finance	NOUN
gujaf-64	67	7	,	,	PUNCT
gujaf-64	67	8	vol	vol	NOUN
gujaf-64	67	9	.	.	PROPN
gujaf-64	67	10	2	2	NUM
gujaf-64	67	11	,	,	PUNCT
gujaf-64	67	12	issue	issue	NOUN
gujaf-64	67	13	2	2	NUM
gujaf-64	67	14	,	,	PUNCT
gujaf-64	67	15	april	april	PROPN
gujaf-64	67	16	,	,	PUNCT
gujaf-64	67	17	2021	2021	NUM
gujaf-64	67	18	5	5	NUM
gujaf-64	67	19	jena	jena	PROPN
gujaf-64	67	20	,	,	PUNCT
gujaf-64	67	21	mohapatra	mohapatra	PROPN
gujaf-64	67	22	&	&	CCONJ
gujaf-64	67	23	wong	wong	PROPN
gujaf-64	67	24	(	(	PUNCT
gujaf-64	67	25	2017	2017	NUM
gujaf-64	67	26	)	)	PUNCT
gujaf-64	67	27	studied	study	VERB
gujaf-64	67	28	whether	whether	SCONJ
gujaf-64	67	29	managers	manager	NOUN
gujaf-64	67	30	are	be	AUX
gujaf-64	67	31	only	only	ADV
gujaf-64	67	32	responsible	responsible	ADJ
gujaf-64	67	33	for	for	ADP
gujaf-64	67	34	nonperforming	nonperforme	VERB
gujaf-64	67	35	loans	loan	NOUN
gujaf-64	67	36	in	in	ADP
gujaf-64	67	37	banks	bank	NOUN
gujaf-64	67	38	in	in	ADP
gujaf-64	67	39	india	india	PROPN
gujaf-64	67	40	for	for	ADP
gujaf-64	67	41	the	the	DET
gujaf-64	67	42	period	period	NOUN
gujaf-64	67	43	2006	2006	NUM
gujaf-64	67	44	-	-	SYM
gujaf-64	67	45	2015	2015	NUM
gujaf-64	67	46	.	.	PUNCT
gujaf-64	68	1	the	the	DET
gujaf-64	68	2	study	study	NOUN
gujaf-64	68	3	used	use	VERB
gujaf-64	68	4	binomial	binomial	ADJ
gujaf-64	68	5	multivariate	multivariate	NOUN
gujaf-64	68	6	panel	panel	NOUN
gujaf-64	68	7	logistic	logistic	ADJ
gujaf-64	68	8	regression	regression	NOUN
gujaf-64	68	9	and	and	CCONJ
gujaf-64	68	10	92	92	NUM
gujaf-64	68	11	banks	bank	NOUN
gujaf-64	68	12	were	be	AUX
gujaf-64	68	13	.	.	PUNCT
gujaf-64	69	1	bank	bank	NOUN
gujaf-64	69	2	specific	specific	ADJ
gujaf-64	69	3	factors	factor	NOUN
gujaf-64	69	4	proxy	proxy	NOUN
gujaf-64	69	5	by	by	ADP
gujaf-64	69	6	lousy	lousy	ADJ
gujaf-64	69	7	management	management	NOUN
gujaf-64	69	8	,	,	PUNCT
gujaf-64	69	9	bank	bank	NOUN
gujaf-64	69	10	size	size	NOUN
gujaf-64	69	11	,	,	PUNCT
gujaf-64	69	12	diversification	diversification	NOUN
gujaf-64	69	13	of	of	ADP
gujaf-64	69	14	income	income	NOUN
gujaf-64	69	15	,	,	PUNCT
gujaf-64	69	16	ownership	ownership	NOUN
gujaf-64	69	17	,	,	PUNCT
gujaf-64	69	18	loan	loan	NOUN
gujaf-64	69	19	size	size	NOUN
gujaf-64	69	20	and	and	CCONJ
gujaf-64	69	21	regulatory	regulatory	ADJ
gujaf-64	69	22	variable	variable	ADJ
gujaf-64	69	23	proxy	proxy	NOUN
gujaf-64	69	24	by	by	ADP
gujaf-64	69	25	capital	capital	NOUN
gujaf-64	69	26	adequacy	adequacy	NOUN
gujaf-64	69	27	ratio	ratio	NOUN
gujaf-64	69	28	and	and	CCONJ
gujaf-64	69	29	provision	provision	NOUN
gujaf-64	69	30	,	,	PUNCT
gujaf-64	69	31	the	the	DET
gujaf-64	69	32	macro	macro	ADJ
gujaf-64	69	33	-	-	ADJ
gujaf-64	69	34	economic	economic	ADJ
gujaf-64	69	35	variable	variable	NOUN
gujaf-64	69	36	was	be	AUX
gujaf-64	69	37	also	also	ADV
gujaf-64	69	38	proxy	proxy	VERB
gujaf-64	69	39	by	by	ADP
gujaf-64	69	40	a	a	DET
gujaf-64	69	41	credit	credit	NOUN
gujaf-64	69	42	to	to	ADP
gujaf-64	69	43	gdp	gdp	NOUN
gujaf-64	69	44	ratio	ratio	NOUN
gujaf-64	69	45	were	be	AUX
gujaf-64	69	46	used	use	VERB
gujaf-64	69	47	as	as	ADP
gujaf-64	69	48	independent	independent	ADJ
gujaf-64	69	49	variables	variable	NOUN
gujaf-64	69	50	while	while	SCONJ
gujaf-64	69	51	dependent	dependent	ADJ
gujaf-64	69	52	was	be	AUX
gujaf-64	69	53	quality	quality	NOUN
gujaf-64	69	54	of	of	ADP
gujaf-64	69	55	loan	loan	NOUN
gujaf-64	69	56	asset	asset	NOUN
gujaf-64	69	57	proxy	proxy	NOUN
gujaf-64	69	58	by	by	ADP
gujaf-64	69	59	nonperforming	nonperforme	VERB
gujaf-64	69	60	asset	asset	NOUN
gujaf-64	69	61	ratio	ratio	NOUN
gujaf-64	69	62	.	.	PUNCT
gujaf-64	70	1	the	the	DET
gujaf-64	70	2	study	study	NOUN
gujaf-64	70	3	found	find	VERB
gujaf-64	70	4	that	that	SCONJ
gujaf-64	70	5	diversified	diversified	ADJ
gujaf-64	70	6	sources	source	NOUN
gujaf-64	70	7	of	of	ADP
gujaf-64	70	8	income	income	NOUN
gujaf-64	70	9	are	be	AUX
gujaf-64	70	10	negatively	negatively	ADV
gujaf-64	70	11	significant	significant	ADJ
gujaf-64	70	12	to	to	ADP
gujaf-64	70	13	nonperforming	nonperforme	VERB
gujaf-64	70	14	assets	asset	NOUN
gujaf-64	70	15	.	.	PUNCT
gujaf-64	71	1	india	india	PROPN
gujaf-64	71	2	economy	economy	NOUN
gujaf-64	71	3	appeared	appear	VERB
gujaf-64	71	4	to	to	PART
gujaf-64	71	5	be	be	AUX
gujaf-64	71	6	more	more	ADV
gujaf-64	71	7	advance	advance	NOUN
gujaf-64	71	8	than	than	ADP
gujaf-64	71	9	ours	our	NOUN
gujaf-64	71	10	.	.	PUNCT
gujaf-64	72	1	in	in	ADP
gujaf-64	72	2	contrary	contrary	ADJ
gujaf-64	72	3	to	to	ADP
gujaf-64	72	4	the	the	DET
gujaf-64	72	5	above	above	ADJ
gujaf-64	72	6	studies	study	NOUN
gujaf-64	72	7	,	,	PUNCT
gujaf-64	72	8	chaiporn	chaiporn	ADJ
gujaf-64	72	9	(	(	PUNCT
gujaf-64	72	10	2016	2016	NUM
gujaf-64	72	11	)	)	PUNCT
gujaf-64	72	12	studied	study	VERB
gujaf-64	72	13	the	the	DET
gujaf-64	72	14	association	association	NOUN
gujaf-64	72	15	between	between	ADP
gujaf-64	72	16	bank	bank	NOUN
gujaf-64	72	17	credit	credit	NOUN
gujaf-64	72	18	growth	growth	NOUN
gujaf-64	72	19	and	and	CCONJ
gujaf-64	72	20	npls	npls	NOUN
gujaf-64	72	21	in	in	ADP
gujaf-64	72	22	a	a	DET
gujaf-64	72	23	deflationary	deflationary	ADJ
gujaf-64	72	24	economy	economy	NOUN
gujaf-64	72	25	in	in	ADP
gujaf-64	72	26	japan	japan	PROPN
gujaf-64	72	27	for	for	ADP
gujaf-64	72	28	the	the	DET
gujaf-64	72	29	period	period	NOUN
gujaf-64	72	30	1993	1993	NUM
gujaf-64	72	31	-	-	SYM
gujaf-64	72	32	2013	2013	NUM
gujaf-64	72	33	.	.	PUNCT
gujaf-64	73	1	the	the	DET
gujaf-64	73	2	study	study	NOUN
gujaf-64	73	3	used	use	VERB
gujaf-64	73	4	panel	panel	NOUN
gujaf-64	73	5	ols	ol	NOUN
gujaf-64	73	6	regressions	regression	NOUN
gujaf-64	73	7	and	and	CCONJ
gujaf-64	73	8	two	two	NUM
gujaf-64	73	9	-	-	PUNCT
gujaf-64	73	10	step	step	NOUN
gujaf-64	73	11	gmm	gmm	NOUN
gujaf-64	73	12	regressions	regression	NOUN
gujaf-64	73	13	for	for	ADP
gujaf-64	73	14	the	the	DET
gujaf-64	73	15	sample	sample	NOUN
gujaf-64	73	16	of	of	ADP
gujaf-64	73	17	82	82	NUM
gujaf-64	73	18	publicly	publicly	ADV
gujaf-64	73	19	listed	list	VERB
gujaf-64	73	20	commercial	commercial	ADJ
gujaf-64	73	21	banks	bank	NOUN
gujaf-64	73	22	.	.	PUNCT
gujaf-64	74	1	the	the	DET
gujaf-64	74	2	study	study	NOUN
gujaf-64	74	3	used	use	VERB
gujaf-64	74	4	deposit	deposit	NOUN
gujaf-64	74	5	ratio	ratio	NOUN
gujaf-64	74	6	,	,	PUNCT
gujaf-64	74	7	operating	operating	NOUN
gujaf-64	74	8	risk	risk	NOUN
gujaf-64	74	9	,	,	PUNCT
gujaf-64	74	10	bank	bank	NOUN
gujaf-64	74	11	credit	credit	NOUN
gujaf-64	74	12	growth	growth	NOUN
gujaf-64	74	13	,	,	PUNCT
gujaf-64	74	14	liquidity	liquidity	NOUN
gujaf-64	74	15	,	,	PUNCT
gujaf-64	74	16	profitability	profitability	NOUN
gujaf-64	74	17	proxy	proxy	NOUN
gujaf-64	74	18	by	by	ADP
gujaf-64	74	19	roa	roa	PROPN
gujaf-64	74	20	as	as	ADP
gujaf-64	74	21	independent	independent	ADJ
gujaf-64	74	22	variables	variable	NOUN
gujaf-64	74	23	and	and	CCONJ
gujaf-64	74	24	nonperforming	nonperforme	VERB
gujaf-64	74	25	loan	loan	NOUN
gujaf-64	74	26	ratio	ratio	NOUN
gujaf-64	74	27	as	as	ADP
gujaf-64	74	28	the	the	DET
gujaf-64	74	29	dependent	dependent	ADJ
gujaf-64	74	30	variable	variable	NOUN
gujaf-64	74	31	.	.	PUNCT
gujaf-64	75	1	the	the	DET
gujaf-64	75	2	study	study	NOUN
gujaf-64	75	3	found	find	VERB
gujaf-64	75	4	that	that	SCONJ
gujaf-64	75	5	nonperforming	nonperforme	VERB
gujaf-64	75	6	loans	loan	NOUN
gujaf-64	75	7	are	be	AUX
gujaf-64	75	8	positively	positively	ADV
gujaf-64	75	9	correlated	correlate	VERB
gujaf-64	75	10	with	with	ADP
gujaf-64	75	11	income	income	NOUN
gujaf-64	75	12	diversification	diversification	NOUN
gujaf-64	75	13	.	.	PUNCT
gujaf-64	76	1	however	however	ADV
gujaf-64	76	2	,	,	PUNCT
gujaf-64	76	3	the	the	DET
gujaf-64	76	4	period	period	NOUN
gujaf-64	76	5	of	of	ADP
gujaf-64	76	6	study	study	NOUN
gujaf-64	76	7	is	be	AUX
gujaf-64	76	8	considered	consider	VERB
gujaf-64	76	9	old	old	ADJ
gujaf-64	76	10	.	.	PUNCT
gujaf-64	77	1	hisham	hisham	PROPN
gujaf-64	77	2	,	,	PUNCT
gujaf-64	77	3	muhammad	muhammad	PROPN
gujaf-64	77	4	&	&	CCONJ
gujaf-64	77	5	chaudahry	chaudahry	PROPN
gujaf-64	77	6	(	(	PUNCT
gujaf-64	77	7	2014	2014	NUM
gujaf-64	77	8	)	)	PUNCT
gujaf-64	77	9	examined	examine	VERB
gujaf-64	77	10	the	the	DET
gujaf-64	77	11	quantitative	quantitative	ADJ
gujaf-64	77	12	study	study	NOUN
gujaf-64	77	13	of	of	ADP
gujaf-64	77	14	bank	bank	NOUN
gujaf-64	77	15	-	-	PUNCT
gujaf-64	77	16	specific	specific	ADJ
gujaf-64	77	17	and	and	CCONJ
gujaf-64	77	18	social	social	ADJ
gujaf-64	77	19	factors	factor	NOUN
gujaf-64	77	20	of	of	ADP
gujaf-64	77	21	nonperforming	nonperforme	VERB
gujaf-64	77	22	loans	loan	NOUN
gujaf-64	77	23	of	of	ADP
gujaf-64	77	24	the	the	DET
gujaf-64	77	25	pakistani	pakistani	ADJ
gujaf-64	77	26	banking	banking	NOUN
gujaf-64	77	27	sector	sector	NOUN
gujaf-64	77	28	.	.	PUNCT
gujaf-64	78	1	the	the	DET
gujaf-64	78	2	study	study	NOUN
gujaf-64	78	3	used	use	VERB
gujaf-64	78	4	primary	primary	ADJ
gujaf-64	78	5	data	datum	NOUN
gujaf-64	78	6	.	.	PUNCT
gujaf-64	79	1	the	the	DET
gujaf-64	79	2	study	study	NOUN
gujaf-64	79	3	obtained	obtain	VERB
gujaf-64	79	4	150	150	NUM
gujaf-64	79	5	observations	observation	NOUN
gujaf-64	79	6	from	from	ADP
gujaf-64	79	7	12	12	NUM
gujaf-64	79	8	banks	bank	NOUN
gujaf-64	79	9	selected	select	VERB
gujaf-64	79	10	from	from	ADP
gujaf-64	79	11	all	all	DET
gujaf-64	79	12	banks	bank	NOUN
gujaf-64	79	13	that	that	PRON
gujaf-64	79	14	were	be	AUX
gujaf-64	79	15	operating	operate	VERB
gujaf-64	79	16	in	in	ADP
gujaf-64	79	17	pakistan	pakistan	PROPN
gujaf-64	79	18	and	and	CCONJ
gujaf-64	79	19	registered	register	VERB
gujaf-64	79	20	before	before	ADP
gujaf-64	79	21	the	the	DET
gujaf-64	79	22	fiscal	fiscal	ADJ
gujaf-64	79	23	year	year	NOUN
gujaf-64	79	24	2012	2012	NUM
gujaf-64	79	25	-	-	SYM
gujaf-64	79	26	2013	2013	NUM
gujaf-64	79	27	.	.	PUNCT
gujaf-64	80	1	the	the	DET
gujaf-64	80	2	study	study	NOUN
gujaf-64	80	3	made	make	VERB
gujaf-64	80	4	use	use	NOUN
gujaf-64	80	5	of	of	ADP
gujaf-64	80	6	quantitative	quantitative	ADJ
gujaf-64	80	7	methodology	methodology	NOUN
gujaf-64	80	8	as	as	ADP
gujaf-64	80	9	research	research	NOUN
gujaf-64	80	10	methodology	methodology	NOUN
gujaf-64	80	11	.	.	PUNCT
gujaf-64	81	1	the	the	DET
gujaf-64	81	2	independent	independent	ADJ
gujaf-64	81	3	variables	variable	NOUN
gujaf-64	81	4	were	be	AUX
gujaf-64	81	5	bankspecific	bankspecific	ADJ
gujaf-64	81	6	factors	factor	NOUN
gujaf-64	81	7	proxy	proxy	VERB
gujaf-64	81	8	by	by	ADP
gujaf-64	81	9	rapid	rapid	ADJ
gujaf-64	81	10	credit	credit	NOUN
gujaf-64	81	11	growth	growth	NOUN
gujaf-64	81	12	,	,	PUNCT
gujaf-64	81	13	monitoring	monitoring	NOUN
gujaf-64	81	14	,	,	PUNCT
gujaf-64	81	15	interest	interest	NOUN
gujaf-64	81	16	,	,	PUNCT
gujaf-64	81	17	risk	risk	NOUN
gujaf-64	81	18	assessment	assessment	NOUN
gujaf-64	81	19	and	and	CCONJ
gujaf-64	81	20	social	social	ADJ
gujaf-64	81	21	factors	factor	NOUN
gujaf-64	81	22	while	while	SCONJ
gujaf-64	81	23	the	the	DET
gujaf-64	81	24	dependent	dependent	ADJ
gujaf-64	81	25	variable	variable	NOUN
gujaf-64	81	26	was	be	AUX
gujaf-64	81	27	nonperforming	nonperforme	VERB
gujaf-64	81	28	loans	loan	NOUN
gujaf-64	81	29	.	.	PUNCT
gujaf-64	82	1	the	the	DET
gujaf-64	82	2	study	study	NOUN
gujaf-64	82	3	found	find	VERB
gujaf-64	82	4	that	that	SCONJ
gujaf-64	82	5	bankspecific	bankspecific	ADJ
gujaf-64	82	6	factor	factor	NOUN
gujaf-64	82	7	proxy	proxy	NOUN
gujaf-64	82	8	by	by	ADP
gujaf-64	82	9	rapid	rapid	ADJ
gujaf-64	82	10	credit	credit	NOUN
gujaf-64	82	11	growth	growth	NOUN
gujaf-64	82	12	has	have	VERB
gujaf-64	82	13	a	a	DET
gujaf-64	82	14	significant	significant	ADJ
gujaf-64	82	15	effect	effect	NOUN
gujaf-64	82	16	on	on	ADP
gujaf-64	82	17	nonperforming	nonperforme	VERB
gujaf-64	82	18	loans	loan	NOUN
gujaf-64	82	19	.	.	PUNCT
gujaf-64	83	1	however	however	ADV
gujaf-64	83	2	,	,	PUNCT
gujaf-64	83	3	the	the	DET
gujaf-64	83	4	study	study	NOUN
gujaf-64	83	5	was	be	AUX
gujaf-64	83	6	carried	carry	VERB
gujaf-64	83	7	out	out	ADP
gujaf-64	83	8	for	for	ADP
gujaf-64	83	9	two	two	NUM
gujaf-64	83	10	periods	period	NOUN
gujaf-64	83	11	;	;	PUNCT
gujaf-64	83	12	therefore	therefore	ADV
gujaf-64	83	13	,	,	PUNCT
gujaf-64	83	14	the	the	DET
gujaf-64	83	15	result	result	NOUN
gujaf-64	83	16	of	of	ADP
gujaf-64	83	17	the	the	DET
gujaf-64	83	18	study	study	NOUN
gujaf-64	83	19	may	may	AUX
gujaf-64	83	20	not	not	PART
gujaf-64	83	21	be	be	AUX
gujaf-64	83	22	reliable	reliable	ADJ
gujaf-64	83	23	to	to	PART
gujaf-64	83	24	generalize	generalize	VERB
gujaf-64	83	25	.	.	PUNCT
gujaf-64	84	1	latif	latif	PROPN
gujaf-64	84	2	,	,	PUNCT
gujaf-64	84	3	coleman	coleman	PROPN
gujaf-64	84	4	&	&	CCONJ
gujaf-64	84	5	andoh	andoh	PROPN
gujaf-64	84	6	(	(	PUNCT
gujaf-64	84	7	2014	2014	NUM
gujaf-64	84	8	)	)	PUNCT
gujaf-64	84	9	examined	examine	VERB
gujaf-64	84	10	asset	asset	NOUN
gujaf-64	84	11	quality	quality	NOUN
gujaf-64	84	12	in	in	ADP
gujaf-64	84	13	a	a	DET
gujaf-64	84	14	crisis	crisis	NOUN
gujaf-64	84	15	period	period	NOUN
gujaf-64	84	16	in	in	ADP
gujaf-64	84	17	ghana	ghana	PROPN
gujaf-64	84	18	.	.	PUNCT
gujaf-64	85	1	the	the	DET
gujaf-64	85	2	study	study	NOUN
gujaf-64	85	3	used	use	VERB
gujaf-64	85	4	a	a	DET
gujaf-64	85	5	generalised	generalise	VERB
gujaf-64	85	6	method	method	NOUN
gujaf-64	85	7	of	of	ADP
gujaf-64	85	8	moment	moment	NOUN
gujaf-64	85	9	's	's	PART
gujaf-64	85	10	estimations	estimation	NOUN
gujaf-64	85	11	applied	apply	VERB
gujaf-64	85	12	to	to	ADP
gujaf-64	85	13	25	25	NUM
gujaf-64	85	14	banks	bank	NOUN
gujaf-64	85	15	listed	list	VERB
gujaf-64	85	16	in	in	ADP
gujaf-64	85	17	ghana	ghana	PROPN
gujaf-64	85	18	stock	stock	PROPN
gujaf-64	85	19	exchange	exchange	PROPN
gujaf-64	85	20	for	for	ADP
gujaf-64	85	21	the	the	DET
gujaf-64	85	22	period	period	NOUN
gujaf-64	85	23	2005	2005	NUM
gujaf-64	85	24	-	-	SYM
gujaf-64	85	25	2010	2010	NUM
gujaf-64	85	26	.	.	PUNCT
gujaf-64	86	1	banking	banking	NOUN
gujaf-64	86	2	structure	structure	NOUN
gujaf-64	86	3	,	,	PUNCT
gujaf-64	86	4	bank	bank	NOUN
gujaf-64	86	5	size	size	NOUN
gujaf-64	86	6	,	,	PUNCT
gujaf-64	86	7	interest	interest	NOUN
gujaf-64	86	8	spread	spread	NOUN
gujaf-64	86	9	,	,	PUNCT
gujaf-64	86	10	loan	loan	NOUN
gujaf-64	86	11	growth	growth	NOUN
gujaf-64	86	12	,	,	PUNCT
gujaf-64	86	13	income	income	NOUN
gujaf-64	86	14	diversity	diversity	NOUN
gujaf-64	86	15	and	and	CCONJ
gujaf-64	86	16	macro	macro	ADJ
gujaf-64	86	17	-	-	ADJ
gujaf-64	86	18	economic	economic	ADJ
gujaf-64	86	19	determinants	determinant	NOUN
gujaf-64	86	20	were	be	AUX
gujaf-64	86	21	used	use	VERB
gujaf-64	86	22	as	as	ADP
gujaf-64	86	23	an	an	DET
gujaf-64	86	24	independent	independent	ADJ
gujaf-64	86	25	variable	variable	NOUN
gujaf-64	86	26	while	while	SCONJ
gujaf-64	86	27	asset	asset	NOUN
gujaf-64	86	28	quality	quality	NOUN
gujaf-64	86	29	used	use	VERB
gujaf-64	86	30	dependent	dependent	ADJ
gujaf-64	86	31	variable	variable	NOUN
gujaf-64	86	32	.	.	PUNCT
gujaf-64	87	1	the	the	DET
gujaf-64	87	2	study	study	NOUN
gujaf-64	87	3	found	find	VERB
gujaf-64	87	4	that	that	SCONJ
gujaf-64	87	5	loan	loan	NOUN
gujaf-64	87	6	growth	growth	NOUN
gujaf-64	87	7	is	be	AUX
gujaf-64	87	8	positively	positively	ADV
gujaf-64	87	9	significant	significant	ADJ
gujaf-64	87	10	to	to	ADP
gujaf-64	87	11	the	the	DET
gujaf-64	87	12	persistence	persistence	NOUN
gujaf-64	87	13	in	in	ADP
gujaf-64	87	14	the	the	DET
gujaf-64	87	15	increase	increase	NOUN
gujaf-64	87	16	in	in	ADP
gujaf-64	87	17	nonperforming	nonperforming	ADJ
gujaf-64	87	18	assets	asset	NOUN
gujaf-64	87	19	.	.	PUNCT
gujaf-64	88	1	however	however	ADV
gujaf-64	88	2	,	,	PUNCT
gujaf-64	88	3	the	the	DET
gujaf-64	88	4	period	period	NOUN
gujaf-64	88	5	of	of	ADP
gujaf-64	88	6	study	study	NOUN
gujaf-64	88	7	is	be	AUX
gujaf-64	88	8	considered	consider	VERB
gujaf-64	88	9	old	old	ADJ
gujaf-64	88	10	.	.	PUNCT
gujaf-64	89	1	pallavi	pallavi	PROPN
gujaf-64	89	2	&	&	CCONJ
gujaf-64	89	3	leonardo	leonardo	PROPN
gujaf-64	89	4	(	(	PUNCT
gujaf-64	89	5	2016	2016	NUM
gujaf-64	89	6	)	)	PUNCT
gujaf-64	89	7	analyzed	analyze	VERB
gujaf-64	89	8	how	how	SCONJ
gujaf-64	89	9	nonperforming	nonperforming	ADJ
gujaf-64	89	10	loans	loan	NOUN
gujaf-64	89	11	(	(	PUNCT
gujaf-64	89	12	npls	npls	NOUN
gujaf-64	89	13	)	)	PUNCT
gujaf-64	89	14	of	of	ADP
gujaf-64	89	15	indian	indian	ADJ
gujaf-64	89	16	banks	bank	NOUN
gujaf-64	89	17	behave	behave	VERB
gujaf-64	89	18	through	through	ADP
gujaf-64	89	19	the	the	DET
gujaf-64	89	20	cycle	cycle	NOUN
gujaf-64	89	21	.	.	PUNCT
gujaf-64	90	1	the	the	DET
gujaf-64	90	2	sample	sample	NOUN
gujaf-64	90	3	of	of	ADP
gujaf-64	90	4	annual	annual	ADJ
gujaf-64	90	5	data	datum	NOUN
gujaf-64	90	6	of	of	ADP
gujaf-64	90	7	72	72	NUM
gujaf-64	90	8	banks	bank	NOUN
gujaf-64	90	9	obtained	obtain	VERB
gujaf-64	90	10	for	for	ADP
gujaf-64	90	11	the	the	DET
gujaf-64	90	12	period	period	NOUN
gujaf-64	90	13	2000	2000	NUM
gujaf-64	90	14	-	-	SYM
gujaf-64	90	15	2014	2014	NUM
gujaf-64	90	16	.	.	PUNCT
gujaf-64	91	1	the	the	DET
gujaf-64	91	2	study	study	NOUN
gujaf-64	91	3	used	use	VERB
gujaf-64	91	4	the	the	DET
gujaf-64	91	5	generalized	generalized	ADJ
gujaf-64	91	6	methods	method	NOUN
gujaf-64	91	7	of	of	ADP
gujaf-64	91	8	moments	moment	NOUN
gujaf-64	91	9	(	(	PUNCT
gujaf-64	91	10	gmm	gmm	NOUN
gujaf-64	91	11	)	)	PUNCT
gujaf-64	91	12	panel	panel	NOUN
gujaf-64	91	13	regression	regression	NOUN
gujaf-64	91	14	methodology	methodology	NOUN
gujaf-64	91	15	.	.	PUNCT
gujaf-64	92	1	lagged	lag	VERB
gujaf-64	92	2	nonperforming	nonperforme	VERB
gujaf-64	92	3	loan	loan	NOUN
gujaf-64	92	4	ratio	ratio	NOUN
gujaf-64	92	5	used	use	VERB
gujaf-64	92	6	as	as	ADP
gujaf-64	92	7	the	the	DET
gujaf-64	92	8	dependent	dependent	ADJ
gujaf-64	92	9	variable	variable	NOUN
gujaf-64	92	10	.	.	PUNCT
gujaf-64	93	1	the	the	DET
gujaf-64	93	2	bank	bank	NOUN
gujaf-64	93	3	-	-	PUNCT
gujaf-64	93	4	specific	specific	ADJ
gujaf-64	93	5	factors	factor	NOUN
gujaf-64	93	6	proxy	proxy	VERB
gujaf-64	93	7	by	by	ADP
gujaf-64	93	8	credit	credit	NOUN
gujaf-64	93	9	growth	growth	NOUN
gujaf-64	93	10	,	,	PUNCT
gujaf-64	93	11	secured	secure	VERB
gujaf-64	93	12	loans	loan	NOUN
gujaf-64	93	13	share	share	NOUN
gujaf-64	93	14	,	,	PUNCT
gujaf-64	93	15	priority	priority	NOUN
gujaf-64	93	16	loans	loan	NOUN
gujaf-64	93	17	shares	share	NOUN
gujaf-64	93	18	,	,	PUNCT
gujaf-64	93	19	non	non	ADJ
gujaf-64	93	20	-	-	ADJ
gujaf-64	93	21	interest	interest	ADJ
gujaf-64	93	22	income	income	NOUN
gujaf-64	93	23	ratio	ratio	NOUN
gujaf-64	93	24	(	(	PUNCT
gujaf-64	93	25	income	income	NOUN
gujaf-64	93	26	diversity	diversity	NOUN
gujaf-64	93	27	)	)	PUNCT
gujaf-64	93	28	also	also	ADV
gujaf-64	93	29	used	use	VERB
gujaf-64	93	30	as	as	ADP
gujaf-64	93	31	independent	independent	ADJ
gujaf-64	93	32	variables	variable	NOUN
gujaf-64	93	33	.	.	PUNCT
gujaf-64	94	1	the	the	DET
gujaf-64	94	2	study	study	NOUN
gujaf-64	94	3	found	find	VERB
gujaf-64	94	4	that	that	SCONJ
gujaf-64	94	5	an	an	DET
gujaf-64	94	6	increase	increase	NOUN
gujaf-64	94	7	of	of	ADP
gujaf-64	94	8	one	one	NUM
gujaf-64	94	9	percentage	percentage	NOUN
gujaf-64	94	10	point	point	NOUN
gujaf-64	94	11	in	in	ADP
gujaf-64	94	12	lending	lending	NOUN
gujaf-64	94	13	growth	growth	NOUN
gujaf-64	94	14	is	be	AUX
gujaf-64	94	15	associated	associate	VERB
gujaf-64	94	16	with	with	ADP
gujaf-64	94	17	an	an	DET
gujaf-64	94	18	npl	npl	NOUN
gujaf-64	94	19	increase	increase	NOUN
gujaf-64	94	20	over	over	ADP
gujaf-64	94	21	the	the	DET
gujaf-64	94	22	overall	overall	ADJ
gujaf-64	94	23	advances	advance	NOUN
gujaf-64	94	24	(	(	PUNCT
gujaf-64	94	25	npl	npl	NOUN
gujaf-64	94	26	ratio	ratio	NOUN
gujaf-64	94	27	)	)	PUNCT
gujaf-64	94	28	of	of	ADP
gujaf-64	94	29	4	4	NUM
gujaf-64	94	30	,	,	PUNCT
gujaf-64	94	31	3	3	NUM
gujaf-64	94	32	%	%	NOUN
gujaf-64	94	33	over	over	ADP
gujaf-64	94	34	time	time	NOUN
gujaf-64	94	35	.	.	PUNCT
gujaf-64	95	1	however	however	ADV
gujaf-64	95	2	,	,	PUNCT
gujaf-64	95	3	in	in	ADP
gujaf-64	95	4	case	case	NOUN
gujaf-64	95	5	public	public	ADJ
gujaf-64	95	6	as	as	ADV
gujaf-64	95	7	well	well	ADV
gujaf-64	95	8	as	as	ADP
gujaf-64	95	9	private	private	ADJ
gujaf-64	95	10	banks	bank	NOUN
gujaf-64	95	11	with	with	ADP
gujaf-64	95	12	a	a	DET
gujaf-64	95	13	more	more	ADV
gujaf-64	95	14	reactive	reactive	ADJ
gujaf-64	95	15	response	response	NOUN
gujaf-64	95	16	to	to	ADP
gujaf-64	95	17	changes	change	NOUN
gujaf-64	95	18	in	in	ADP
gujaf-64	95	19	their	their	PRON
gujaf-64	95	20	interest	interest	NOUN
gujaf-64	95	21	and	and	CCONJ
gujaf-64	95	22	business	business	NOUN
gujaf-64	95	23	cycle	cycle	NOUN
gujaf-64	95	24	,	,	PUNCT
gujaf-64	95	25	a	a	DET
gujaf-64	95	26	pro	pro	ADJ
gujaf-64	95	27	-	-	ADJ
gujaf-64	95	28	cyclical	cyclical	ADJ
gujaf-64	95	29	risk	risk	NOUN
gujaf-64	95	30	-	-	PUNCT
gujaf-64	95	31	taking	take	VERB
gujaf-64	95	32	response	response	NOUN
gujaf-64	95	33	to	to	ADP
gujaf-64	95	34	credit	credit	NOUN
gujaf-64	95	35	growth	growth	NOUN
gujaf-64	95	36	is	be	AUX
gujaf-64	95	37	present	present	ADJ
gujaf-64	95	38	.	.	PUNCT
gujaf-64	96	1	the	the	DET
gujaf-64	96	2	study	study	NOUN
gujaf-64	96	3	duration	duration	NOUN
gujaf-64	96	4	,	,	PUNCT
gujaf-64	96	5	however	however	ADV
gujaf-64	96	6	,	,	PUNCT
gujaf-64	96	7	was	be	AUX
gujaf-64	96	8	long	long	ADJ
gujaf-64	96	9	since	since	SCONJ
gujaf-64	96	10	certain	certain	ADJ
gujaf-64	96	11	factors	factor	NOUN
gujaf-64	96	12	had	have	AUX
gujaf-64	96	13	occurred	occur	VERB
gujaf-64	96	14	.	.	PUNCT
gujaf-64	97	1	therefore	therefore	ADV
gujaf-64	97	2	,	,	PUNCT
gujaf-64	97	3	from	from	ADP
gujaf-64	97	4	the	the	DET
gujaf-64	97	5	above	above	ADJ
gujaf-64	97	6	literature	literature	NOUN
gujaf-64	97	7	,	,	PUNCT
gujaf-64	97	8	roa	roa	PROPN
gujaf-64	97	9	,	,	PUNCT
gujaf-64	97	10	intins	intin	NOUN
gujaf-64	97	11	,	,	PUNCT
gujaf-64	97	12	indiv	indiv	NOUN
gujaf-64	97	13	,	,	PUNCT
gujaf-64	97	14	and	and	CCONJ
gujaf-64	97	15	cgr	cgr	PROPN
gujaf-64	97	16	have	have	AUX
gujaf-64	97	17	been	be	AUX
gujaf-64	97	18	identified	identify	VERB
gujaf-64	97	19	as	as	ADP
gujaf-64	97	20	bank	bank	NOUN
gujaf-64	97	21	-	-	PUNCT
gujaf-64	97	22	specific	specific	ADJ
gujaf-64	97	23	factors	factor	NOUN
gujaf-64	97	24	variables	variable	NOUN
gujaf-64	97	25	that	that	PRON
gujaf-64	97	26	have	have	VERB
gujaf-64	97	27	a	a	DET
gujaf-64	97	28	strong	strong	ADJ
gujaf-64	97	29	relationship	relationship	NOUN
gujaf-64	97	30	with	with	ADP
gujaf-64	97	31	npls	npls	NOUN
gujaf-64	97	32	.	.	PUNCT
gujaf-64	98	1	gusau	gusau	PROPN
gujaf-64	98	2	journal	journal	PROPN
gujaf-64	98	3	of	of	ADP
gujaf-64	98	4	accounting	accounting	NOUN
gujaf-64	98	5	and	and	CCONJ
gujaf-64	98	6	finance	finance	NOUN
gujaf-64	98	7	,	,	PUNCT
gujaf-64	98	8	vol	vol	NOUN
gujaf-64	98	9	.	.	PROPN
gujaf-64	98	10	2	2	NUM
gujaf-64	98	11	,	,	PUNCT
gujaf-64	98	12	issue	issue	NOUN
gujaf-64	98	13	2	2	NUM
gujaf-64	98	14	,	,	PUNCT
gujaf-64	98	15	april	april	PROPN
gujaf-64	98	16	,	,	PUNCT
gujaf-64	98	17	2021	2021	NUM
gujaf-64	98	18	6	6	NUM
gujaf-64	98	19	muriithi	muriithi	NOUN
gujaf-64	98	20	(	(	PUNCT
gujaf-64	98	21	2013	2013	NUM
gujaf-64	98	22	)	)	PUNCT
gujaf-64	98	23	looked	look	VERB
gujaf-64	98	24	into	into	ADP
gujaf-64	98	25	the	the	DET
gujaf-64	98	26	reasons	reason	NOUN
gujaf-64	98	27	for	for	ADP
gujaf-64	98	28	nonperforming	nonperforme	VERB
gujaf-64	98	29	loans	loan	NOUN
gujaf-64	98	30	in	in	ADP
gujaf-64	98	31	kenyan	kenyan	ADJ
gujaf-64	98	32	commercial	commercial	ADJ
gujaf-64	98	33	banks	bank	NOUN
gujaf-64	98	34	.	.	PUNCT
gujaf-64	99	1	nonperforming	nonperforme	VERB
gujaf-64	99	2	loans	loan	NOUN
gujaf-64	99	3	are	be	AUX
gujaf-64	99	4	frequently	frequently	ADV
gujaf-64	99	5	linked	link	VERB
gujaf-64	99	6	to	to	ADP
gujaf-64	99	7	bank	bank	NOUN
gujaf-64	99	8	collapse	collapse	NOUN
gujaf-64	99	9	and	and	CCONJ
gujaf-64	99	10	financial	financial	ADJ
gujaf-64	99	11	problems	problem	NOUN
gujaf-64	99	12	in	in	ADP
gujaf-64	99	13	kenyan	kenyan	ADJ
gujaf-64	99	14	commercial	commercial	ADJ
gujaf-64	99	15	banks	bank	NOUN
gujaf-64	99	16	.	.	PUNCT
gujaf-64	100	1	for	for	ADP
gujaf-64	100	2	the	the	DET
gujaf-64	100	3	period	period	NOUN
gujaf-64	100	4	2008	2008	NUM
gujaf-64	100	5	-	-	SYM
gujaf-64	100	6	2012	2012	NUM
gujaf-64	100	7	,	,	PUNCT
gujaf-64	100	8	the	the	DET
gujaf-64	100	9	study	study	NOUN
gujaf-64	100	10	used	use	VERB
gujaf-64	100	11	a	a	DET
gujaf-64	100	12	descriptive	descriptive	ADJ
gujaf-64	100	13	design	design	NOUN
gujaf-64	100	14	and	and	CCONJ
gujaf-64	100	15	used	use	VERB
gujaf-64	100	16	both	both	DET
gujaf-64	100	17	multiple	multiple	ADJ
gujaf-64	100	18	regression	regression	NOUN
gujaf-64	100	19	models	model	NOUN
gujaf-64	100	20	using	use	VERB
gujaf-64	100	21	secondary	secondary	ADJ
gujaf-64	100	22	data	datum	NOUN
gujaf-64	100	23	to	to	PART
gujaf-64	100	24	investigate	investigate	VERB
gujaf-64	100	25	the	the	DET
gujaf-64	100	26	link	link	NOUN
gujaf-64	100	27	between	between	ADP
gujaf-64	100	28	the	the	DET
gujaf-64	100	29	causes	cause	NOUN
gujaf-64	100	30	of	of	ADP
gujaf-64	100	31	nonperforming	nonperforme	VERB
gujaf-64	100	32	loans	loan	NOUN
gujaf-64	100	33	in	in	ADP
gujaf-64	100	34	kenyan	kenyan	ADJ
gujaf-64	100	35	commercial	commercial	ADJ
gujaf-64	100	36	banks	bank	NOUN
gujaf-64	100	37	.	.	PUNCT
gujaf-64	101	1	as	as	ADP
gujaf-64	101	2	independent	independent	ADJ
gujaf-64	101	3	variables	variable	NOUN
gujaf-64	101	4	,	,	PUNCT
gujaf-64	101	5	interest	interest	NOUN
gujaf-64	101	6	rates	rate	NOUN
gujaf-64	101	7	,	,	PUNCT
gujaf-64	101	8	inflation	inflation	NOUN
gujaf-64	101	9	,	,	PUNCT
gujaf-64	101	10	and	and	CCONJ
gujaf-64	101	11	loan	loan	NOUN
gujaf-64	101	12	growth	growth	NOUN
gujaf-64	101	13	were	be	AUX
gujaf-64	101	14	employed	employ	VERB
gujaf-64	101	15	.	.	PUNCT
gujaf-64	102	1	the	the	DET
gujaf-64	102	2	dependent	dependent	ADJ
gujaf-64	102	3	variable	variable	NOUN
gujaf-64	102	4	was	be	AUX
gujaf-64	102	5	a	a	DET
gujaf-64	102	6	nonperforming	nonperforme	VERB
gujaf-64	102	7	loan	loan	NOUN
gujaf-64	102	8	.	.	PUNCT
gujaf-64	103	1	spss	spss	PROPN
gujaf-64	103	2	was	be	AUX
gujaf-64	103	3	used	use	VERB
gujaf-64	103	4	to	to	PART
gujaf-64	103	5	analyze	analyze	VERB
gujaf-64	103	6	data	datum	NOUN
gujaf-64	103	7	from	from	ADP
gujaf-64	103	8	43	43	NUM
gujaf-64	103	9	banks	bank	NOUN
gujaf-64	103	10	in	in	ADP
gujaf-64	103	11	the	the	DET
gujaf-64	103	12	study	study	NOUN
gujaf-64	103	13	's	's	PART
gujaf-64	103	14	population	population	NOUN
gujaf-64	103	15	.	.	PUNCT
gujaf-64	104	1	the	the	DET
gujaf-64	104	2	survey	survey	NOUN
gujaf-64	104	3	discovered	discover	VERB
gujaf-64	104	4	that	that	SCONJ
gujaf-64	104	5	commercial	commercial	ADJ
gujaf-64	104	6	non	non	ADJ
gujaf-64	104	7	-	-	ADJ
gujaf-64	104	8	performing	performing	ADJ
gujaf-64	104	9	loans	loan	NOUN
gujaf-64	104	10	are	be	AUX
gujaf-64	104	11	on	on	ADP
gujaf-64	104	12	the	the	DET
gujaf-64	104	13	rise	rise	NOUN
gujaf-64	104	14	.	.	PUNCT
gujaf-64	105	1	non	non	ADJ
gujaf-64	105	2	-	-	ADJ
gujaf-64	105	3	performing	performing	ADJ
gujaf-64	105	4	loans	loan	NOUN
gujaf-64	105	5	held	hold	VERB
gujaf-64	105	6	by	by	ADP
gujaf-64	105	7	kenyan	kenyan	ADJ
gujaf-64	105	8	commercial	commercial	ADJ
gujaf-64	105	9	banks	bank	NOUN
gujaf-64	105	10	were	be	AUX
gujaf-64	105	11	shown	show	VERB
gujaf-64	105	12	to	to	PART
gujaf-64	105	13	be	be	AUX
gujaf-64	105	14	adversely	adversely	ADV
gujaf-64	105	15	linked	link	VERB
gujaf-64	105	16	with	with	ADP
gujaf-64	105	17	loan	loan	NOUN
gujaf-64	105	18	growth	growth	NOUN
gujaf-64	105	19	in	in	ADP
gujaf-64	105	20	the	the	DET
gujaf-64	105	21	research	research	NOUN
gujaf-64	105	22	.	.	PUNCT
gujaf-64	106	1	as	as	ADP
gujaf-64	106	2	a	a	DET
gujaf-64	106	3	result	result	NOUN
gujaf-64	106	4	,	,	PUNCT
gujaf-64	106	5	the	the	DET
gujaf-64	106	6	study	study	NOUN
gujaf-64	106	7	concluded	conclude	VERB
gujaf-64	106	8	that	that	SCONJ
gujaf-64	106	9	banks	bank	NOUN
gujaf-64	106	10	require	require	VERB
gujaf-64	106	11	robust	robust	ADJ
gujaf-64	106	12	regulations	regulation	NOUN
gujaf-64	106	13	to	to	PART
gujaf-64	106	14	limit	limit	VERB
gujaf-64	106	15	the	the	DET
gujaf-64	106	16	quantity	quantity	NOUN
gujaf-64	106	17	of	of	ADP
gujaf-64	106	18	loans	loan	NOUN
gujaf-64	106	19	they	they	PRON
gujaf-64	106	20	hold	hold	VERB
gujaf-64	106	21	.	.	PUNCT
gujaf-64	107	1	however	however	ADV
gujaf-64	107	2	,	,	PUNCT
gujaf-64	107	3	because	because	SCONJ
gujaf-64	107	4	the	the	DET
gujaf-64	107	5	research	research	NOUN
gujaf-64	107	6	period	period	NOUN
gujaf-64	107	7	was	be	AUX
gujaf-64	107	8	so	so	ADV
gujaf-64	107	9	long	long	ADV
gujaf-64	107	10	ago	ago	ADV
gujaf-64	107	11	,	,	PUNCT
gujaf-64	107	12	many	many	ADJ
gujaf-64	107	13	things	thing	NOUN
gujaf-64	107	14	would	would	AUX
gujaf-64	107	15	have	have	AUX
gujaf-64	107	16	changed	change	VERB
gujaf-64	107	17	.	.	PUNCT
gujaf-64	108	1	the	the	DET
gujaf-64	108	2	theories	theory	NOUN
gujaf-64	108	3	underpinning	underpin	VERB
gujaf-64	108	4	this	this	DET
gujaf-64	108	5	study	study	NOUN
gujaf-64	108	6	are	be	AUX
gujaf-64	108	7	competition	competition	NOUN
gujaf-64	108	8	fragility	fragility	NOUN
gujaf-64	108	9	and	and	CCONJ
gujaf-64	108	10	stability	stability	NOUN
gujaf-64	108	11	theories	theory	NOUN
gujaf-64	108	12	.	.	PUNCT
gujaf-64	109	1	numerous	numerous	ADJ
gujaf-64	109	2	scholars	scholar	NOUN
gujaf-64	109	3	have	have	AUX
gujaf-64	109	4	been	be	AUX
gujaf-64	109	5	pondering	ponder	VERB
gujaf-64	109	6	on	on	ADP
gujaf-64	109	7	the	the	DET
gujaf-64	109	8	connection	connection	NOUN
gujaf-64	109	9	between	between	ADP
gujaf-64	109	10	banking	banking	NOUN
gujaf-64	109	11	competition	competition	NOUN
gujaf-64	109	12	and	and	CCONJ
gujaf-64	109	13	asset	asset	NOUN
gujaf-64	109	14	quality	quality	NOUN
gujaf-64	109	15	for	for	ADP
gujaf-64	109	16	years	year	NOUN
gujaf-64	109	17	.	.	PUNCT
gujaf-64	110	1	koetter	koetter	ADJ
gujaf-64	110	2	,	,	PUNCT
gujaf-64	110	3	kolari	kolari	PROPN
gujaf-64	110	4	and	and	CCONJ
gujaf-64	110	5	spierdijk	spierdijk	PROPN
gujaf-64	110	6	(	(	PUNCT
gujaf-64	110	7	2012	2012	NUM
gujaf-64	110	8	)	)	PUNCT
gujaf-64	110	9	,	,	PUNCT
gujaf-64	110	10	offers	offer	VERB
gujaf-64	110	11	proof	proof	NOUN
gujaf-64	110	12	that	that	SCONJ
gujaf-64	110	13	there	there	PRON
gujaf-64	110	14	are	be	VERB
gujaf-64	110	15	two	two	NUM
gujaf-64	110	16	mostly	mostly	ADV
gujaf-64	110	17	debated	debate	VERB
gujaf-64	110	18	theories	theory	NOUN
gujaf-64	110	19	concerning	concern	VERB
gujaf-64	110	20	banking	banking	NOUN
gujaf-64	110	21	rivalry	rivalry	NOUN
gujaf-64	110	22	and	and	CCONJ
gujaf-64	110	23	its	its	PRON
gujaf-64	110	24	asset	asset	NOUN
gujaf-64	110	25	quality	quality	NOUN
gujaf-64	110	26	and	and	CCONJ
gujaf-64	110	27	very	very	ADV
gujaf-64	110	28	significant	significant	ADJ
gujaf-64	110	29	of	of	ADP
gujaf-64	110	30	these	these	DET
gujaf-64	110	31	discussions	discussion	NOUN
gujaf-64	110	32	started	start	VERB
gujaf-64	110	33	mainly	mainly	ADV
gujaf-64	110	34	after	after	ADP
gujaf-64	110	35	global	global	ADJ
gujaf-64	110	36	financial	financial	ADJ
gujaf-64	110	37	disaster	disaster	NOUN
gujaf-64	110	38	of	of	ADP
gujaf-64	110	39	2007	2007	NUM
gujaf-64	110	40	.	.	PUNCT
gujaf-64	111	1	these	these	DET
gujaf-64	111	2	theories	theory	NOUN
gujaf-64	111	3	are	be	AUX
gujaf-64	111	4	known	know	VERB
gujaf-64	111	5	as	as	ADP
gujaf-64	111	6	competition	competition	NOUN
gujaf-64	111	7	fragility	fragility	NOUN
gujaf-64	111	8	and	and	CCONJ
gujaf-64	111	9	competition	competition	NOUN
gujaf-64	111	10	stability	stability	NOUN
gujaf-64	111	11	.	.	PUNCT
gujaf-64	112	1	consequently	consequently	ADV
gujaf-64	112	2	,	,	PUNCT
gujaf-64	112	3	rivalry	rivalry	NOUN
gujaf-64	112	4	in	in	ADP
gujaf-64	112	5	banking	banking	NOUN
gujaf-64	112	6	industry	industry	NOUN
gujaf-64	112	7	has	have	AUX
gujaf-64	112	8	been	be	AUX
gujaf-64	112	9	one	one	NUM
gujaf-64	112	10	the	the	DET
gujaf-64	112	11	most	most	ADV
gujaf-64	112	12	argued	argue	VERB
gujaf-64	112	13	issues	issue	NOUN
gujaf-64	112	14	of	of	ADP
gujaf-64	112	15	all	all	DET
gujaf-64	112	16	time	time	NOUN
gujaf-64	112	17	.	.	PUNCT
gujaf-64	113	1	as	as	SCONJ
gujaf-64	113	2	this	this	PRON
gujaf-64	113	3	can	can	AUX
gujaf-64	113	4	be	be	AUX
gujaf-64	113	5	termed	term	VERB
gujaf-64	113	6	by	by	ADP
gujaf-64	113	7	the	the	DET
gujaf-64	113	8	fact	fact	NOUN
gujaf-64	113	9	that	that	SCONJ
gujaf-64	113	10	too	too	ADV
gujaf-64	113	11	strong	strong	ADJ
gujaf-64	113	12	rivalry	rivalry	NOUN
gujaf-64	113	13	among	among	ADP
gujaf-64	113	14	financial	financial	ADJ
gujaf-64	113	15	institutions	institution	NOUN
gujaf-64	113	16	has	have	AUX
gujaf-64	113	17	negative	negative	ADJ
gujaf-64	113	18	effect	effect	NOUN
gujaf-64	113	19	on	on	ADP
gujaf-64	113	20	market	market	NOUN
gujaf-64	113	21	supremacy	supremacy	NOUN
gujaf-64	113	22	and	and	CCONJ
gujaf-64	113	23	returns	return	NOUN
gujaf-64	113	24	on	on	ADP
gujaf-64	113	25	asset	asset	NOUN
gujaf-64	113	26	which	which	PRON
gujaf-64	113	27	as	as	ADP
gujaf-64	113	28	a	a	DET
gujaf-64	113	29	result	result	NOUN
gujaf-64	113	30	leads	lead	VERB
gujaf-64	113	31	to	to	ADP
gujaf-64	113	32	management	management	NOUN
gujaf-64	113	33	of	of	ADP
gujaf-64	113	34	the	the	DET
gujaf-64	113	35	financial	financial	ADJ
gujaf-64	113	36	institutions	institution	NOUN
gujaf-64	113	37	making	make	VERB
gujaf-64	113	38	risky	risky	ADJ
gujaf-64	113	39	decisions	decision	NOUN
gujaf-64	113	40	.	.	PUNCT
gujaf-64	114	1	hoggarth	hoggarth	ADV
gujaf-64	114	2	,	,	PUNCT
gujaf-64	114	3	sorensen	sorensen	PROPN
gujaf-64	114	4	,	,	PUNCT
gujaf-64	114	5	&	&	CCONJ
gujaf-64	114	6	zicchino	zicchino	NOUN
gujaf-64	114	7	,	,	PUNCT
gujaf-64	114	8	(	(	PUNCT
gujaf-64	114	9	2005	2005	NUM
gujaf-64	114	10	)	)	PUNCT
gujaf-64	114	11	therefore	therefore	ADV
gujaf-64	114	12	suggests	suggest	VERB
gujaf-64	114	13	that	that	SCONJ
gujaf-64	114	14	banks	bank	NOUN
gujaf-64	114	15	with	with	ADP
gujaf-64	114	16	market	market	NOUN
gujaf-64	114	17	influence	influence	NOUN
gujaf-64	114	18	(	(	PUNCT
gujaf-64	114	19	in	in	ADP
gujaf-64	114	20	a	a	DET
gujaf-64	114	21	concentrated	concentrated	ADJ
gujaf-64	114	22	industry	industry	NOUN
gujaf-64	114	23	)	)	PUNCT
gujaf-64	114	24	earn	earn	VERB
gujaf-64	114	25	better	well	ADJ
gujaf-64	114	26	profits	profit	NOUN
gujaf-64	114	27	.	.	PUNCT
gujaf-64	115	1	on	on	ADP
gujaf-64	115	2	the	the	DET
gujaf-64	115	3	other	other	ADJ
gujaf-64	115	4	hand	hand	NOUN
gujaf-64	115	5	,	,	PUNCT
gujaf-64	115	6	other	other	ADJ
gujaf-64	115	7	school	school	NOUN
gujaf-64	115	8	of	of	ADP
gujaf-64	115	9	thought	thought	NOUN
gujaf-64	115	10	suggests	suggest	VERB
gujaf-64	115	11	that	that	SCONJ
gujaf-64	115	12	competition	competition	NOUN
gujaf-64	115	13	stability	stability	NOUN
gujaf-64	115	14	theory	theory	NOUN
gujaf-64	115	15	that	that	PRON
gujaf-64	115	16	encourages	encourage	VERB
gujaf-64	115	17	better	well	ADJ
gujaf-64	115	18	banking	banking	NOUN
gujaf-64	115	19	stability	stability	NOUN
gujaf-64	115	20	as	as	ADP
gujaf-64	115	21	a	a	DET
gujaf-64	115	22	result	result	NOUN
gujaf-64	115	23	of	of	ADP
gujaf-64	115	24	ever	ever	ADV
gujaf-64	115	25	increase	increase	VERB
gujaf-64	115	26	competition	competition	NOUN
gujaf-64	115	27	in	in	ADP
gujaf-64	115	28	financial	financial	ADJ
gujaf-64	115	29	sector	sector	NOUN
gujaf-64	115	30	.	.	PUNCT
gujaf-64	116	1	the	the	DET
gujaf-64	116	2	description	description	NOUN
gujaf-64	116	3	of	of	ADP
gujaf-64	116	4	this	this	DET
gujaf-64	116	5	theory	theory	NOUN
gujaf-64	116	6	is	be	AUX
gujaf-64	116	7	like	like	ADP
gujaf-64	116	8	interest	interest	NOUN
gujaf-64	116	9	rates	rate	NOUN
gujaf-64	116	10	flexibility	flexibility	NOUN
gujaf-64	116	11	which	which	PRON
gujaf-64	116	12	the	the	DET
gujaf-64	116	13	bank	bank	NOUN
gujaf-64	116	14	can	can	AUX
gujaf-64	116	15	decrease	decrease	VERB
gujaf-64	116	16	or	or	CCONJ
gujaf-64	116	17	increase	increase	VERB
gujaf-64	116	18	as	as	ADP
gujaf-64	116	19	a	a	DET
gujaf-64	116	20	result	result	NOUN
gujaf-64	116	21	of	of	ADP
gujaf-64	116	22	strong	strong	ADJ
gujaf-64	116	23	competition	competition	NOUN
gujaf-64	116	24	.	.	PUNCT
gujaf-64	117	1	also	also	ADV
gujaf-64	117	2	in	in	ADP
gujaf-64	117	3	order	order	NOUN
gujaf-64	117	4	to	to	PART
gujaf-64	117	5	reduce	reduce	VERB
gujaf-64	117	6	ethical	ethical	ADJ
gujaf-64	117	7	threat	threat	NOUN
gujaf-64	117	8	and	and	CCONJ
gujaf-64	117	9	adverse	adverse	ADJ
gujaf-64	117	10	selection	selection	NOUN
gujaf-64	117	11	problems	problem	NOUN
gujaf-64	117	12	,	,	PUNCT
gujaf-64	117	13	banks	bank	NOUN
gujaf-64	117	14	can	can	AUX
gujaf-64	117	15	give	give	VERB
gujaf-64	117	16	more	more	ADJ
gujaf-64	117	17	loans	loan	NOUN
gujaf-64	117	18	by	by	ADP
gujaf-64	117	19	shrinking	shrink	VERB
gujaf-64	117	20	default	default	NOUN
gujaf-64	117	21	rates	rate	NOUN
gujaf-64	117	22	of	of	ADP
gujaf-64	117	23	loans	loan	NOUN
gujaf-64	117	24	which	which	PRON
gujaf-64	117	25	ensures	ensure	VERB
gujaf-64	117	26	the	the	DET
gujaf-64	117	27	stability	stability	NOUN
gujaf-64	117	28	of	of	ADP
gujaf-64	117	29	banks	bank	NOUN
gujaf-64	117	30	.	.	PUNCT
gujaf-64	118	1	according	accord	VERB
gujaf-64	118	2	to	to	ADP
gujaf-64	118	3	koetter	koetter	PROPN
gujaf-64	118	4	et	et	PROPN
gujaf-64	118	5	al	al	PROPN
gujaf-64	118	6	,	,	PUNCT
gujaf-64	118	7	(	(	PUNCT
gujaf-64	118	8	2012	2012	NUM
gujaf-64	118	9	)	)	PUNCT
gujaf-64	118	10	.	.	PUNCT
gujaf-64	119	1	although	although	SCONJ
gujaf-64	119	2	,	,	PUNCT
gujaf-64	119	3	one	one	NUM
gujaf-64	119	4	of	of	ADP
gujaf-64	119	5	the	the	DET
gujaf-64	119	6	main	main	ADJ
gujaf-64	119	7	aims	aim	NOUN
gujaf-64	119	8	of	of	ADP
gujaf-64	119	9	the	the	DET
gujaf-64	119	10	financial	financial	ADJ
gujaf-64	119	11	liberalization	liberalization	NOUN
gujaf-64	119	12	rules	rule	NOUN
gujaf-64	119	13	is	be	AUX
gujaf-64	119	14	to	to	PART
gujaf-64	119	15	advance	advance	VERB
gujaf-64	119	16	the	the	DET
gujaf-64	119	17	competitiveness	competitiveness	NOUN
gujaf-64	119	18	of	of	ADP
gujaf-64	119	19	financial	financial	ADJ
gujaf-64	119	20	markets	market	NOUN
gujaf-64	119	21	in	in	ADP
gujaf-64	119	22	developing	develop	VERB
gujaf-64	119	23	economies	economy	NOUN
gujaf-64	119	24	.	.	PUNCT
gujaf-64	120	1	too	too	ADV
gujaf-64	120	2	much	much	ADJ
gujaf-64	120	3	interest	interest	NOUN
gujaf-64	120	4	rates	rate	NOUN
gujaf-64	120	5	can	can	AUX
gujaf-64	120	6	bring	bring	VERB
gujaf-64	120	7	about	about	ADP
gujaf-64	120	8	moral	moral	ADJ
gujaf-64	120	9	hazard	hazard	NOUN
gujaf-64	120	10	problem	problem	NOUN
gujaf-64	120	11	by	by	ADP
gujaf-64	120	12	mounting	mount	VERB
gujaf-64	120	13	nonperforming	nonperforme	VERB
gujaf-64	120	14	loan	loan	NOUN
gujaf-64	120	15	ratio	ratio	NOUN
gujaf-64	120	16	of	of	ADP
gujaf-64	120	17	banks	bank	NOUN
gujaf-64	120	18	.	.	PUNCT
gujaf-64	121	1	other	other	ADJ
gujaf-64	121	2	earlier	early	ADJ
gujaf-64	121	3	papers	paper	NOUN
gujaf-64	121	4	looked	look	VERB
gujaf-64	121	5	at	at	ADP
gujaf-64	121	6	the	the	DET
gujaf-64	121	7	relationship	relationship	NOUN
gujaf-64	121	8	between	between	ADP
gujaf-64	121	9	the	the	DET
gujaf-64	121	10	banks	bank	NOUN
gujaf-64	121	11	and	and	CCONJ
gujaf-64	121	12	borrowers	borrower	NOUN
gujaf-64	121	13	also	also	ADV
gujaf-64	121	14	.	.	PUNCT
gujaf-64	122	1	3	3	X
gujaf-64	122	2	.	.	X
gujaf-64	122	3	research	research	NOUN
gujaf-64	122	4	methods	method	NOUN
gujaf-64	122	5	and	and	CCONJ
gujaf-64	122	6	model	model	NOUN
gujaf-64	122	7	specification	specification	NOUN
gujaf-64	122	8	the	the	DET
gujaf-64	122	9	study	study	NOUN
gujaf-64	122	10	utilizes	utilize	VERB
gujaf-64	122	11	a	a	DET
gujaf-64	122	12	correlational	correlational	ADJ
gujaf-64	122	13	research	research	NOUN
gujaf-64	122	14	design	design	NOUN
gujaf-64	122	15	to	to	PART
gujaf-64	122	16	solve	solve	VERB
gujaf-64	122	17	the	the	DET
gujaf-64	122	18	study	study	NOUN
gujaf-64	122	19	problem	problem	NOUN
gujaf-64	122	20	.	.	PUNCT
gujaf-64	123	1	the	the	DET
gujaf-64	123	2	population	population	NOUN
gujaf-64	123	3	of	of	ADP
gujaf-64	123	4	this	this	DET
gujaf-64	123	5	study	study	NOUN
gujaf-64	123	6	consists	consist	VERB
gujaf-64	123	7	of	of	ADP
gujaf-64	123	8	all	all	DET
gujaf-64	123	9	nigerian	nigerian	ADJ
gujaf-64	123	10	deposit	deposit	NOUN
gujaf-64	123	11	money	money	NOUN
gujaf-64	123	12	banks	bank	NOUN
gujaf-64	123	13	that	that	PRON
gujaf-64	123	14	enjoy	enjoy	VERB
gujaf-64	123	15	first	first	ADJ
gujaf-64	123	16	-	-	PUNCT
gujaf-64	123	17	tier	tier	NOUN
gujaf-64	123	18	listing	listing	NOUN
gujaf-64	123	19	on	on	ADP
gujaf-64	123	20	the	the	DET
gujaf-64	123	21	nigerian	nigerian	ADJ
gujaf-64	123	22	stock	stock	NOUN
gujaf-64	123	23	exchange	exchange	PROPN
gujaf-64	123	24	(	(	PUNCT
gujaf-64	123	25	nse	nse	NOUN
gujaf-64	123	26	)	)	PUNCT
gujaf-64	123	27	as	as	ADP
gujaf-64	123	28	of	of	ADP
gujaf-64	123	29	december	december	PROPN
gujaf-64	123	30	31	31	NUM
gujaf-64	123	31	st	st	PROPN
gujaf-64	123	32	,	,	PUNCT
gujaf-64	123	33	2018	2018	NUM
gujaf-64	123	34	,	,	PUNCT
gujaf-64	123	35	a	a	DET
gujaf-64	123	36	total	total	ADJ
gujaf-64	123	37	number	number	NOUN
gujaf-64	123	38	of	of	ADP
gujaf-64	123	39	fourteen	fourteen	NUM
gujaf-64	123	40	(	(	PUNCT
gujaf-64	123	41	14	14	NUM
gujaf-64	123	42	)	)	PUNCT
gujaf-64	123	43	banks	bank	NOUN
gujaf-64	123	44	enjoy	enjoy	VERB
gujaf-64	123	45	first	first	ADJ
gujaf-64	123	46	-	-	PUNCT
gujaf-64	123	47	tier	tier	NOUN
gujaf-64	123	48	listing	listing	NOUN
gujaf-64	123	49	on	on	ADP
gujaf-64	123	50	the	the	DET
gujaf-64	123	51	nigerian	nigerian	ADJ
gujaf-64	123	52	stock	stock	NOUN
gujaf-64	123	53	exchange	exchange	PROPN
gujaf-64	123	54	and	and	CCONJ
gujaf-64	123	55	thirteen	thirteen	NUM
gujaf-64	123	56	(	(	PUNCT
gujaf-64	123	57	13	13	NUM
gujaf-64	123	58	)	)	PUNCT
gujaf-64	123	59	banks	bank	NOUN
gujaf-64	123	60	were	be	AUX
gujaf-64	123	61	used	use	VERB
gujaf-64	123	62	as	as	ADP
gujaf-64	123	63	sample	sample	NOUN
gujaf-64	123	64	based	base	VERB
gujaf-64	123	65	on	on	ADP
gujaf-64	123	66	the	the	DET
gujaf-64	123	67	filter	filter	NOUN
gujaf-64	123	68	that	that	PRON
gujaf-64	123	69	was	be	AUX
gujaf-64	123	70	used	use	VERB
gujaf-64	123	71	.	.	PUNCT
gujaf-64	124	1	that‟s	that‟s	ADV
gujaf-64	124	2	all	all	DET
gujaf-64	124	3	the	the	DET
gujaf-64	124	4	banks	bank	NOUN
gujaf-64	124	5	must	must	AUX
gujaf-64	124	6	have	have	VERB
gujaf-64	124	7	all	all	DET
gujaf-64	124	8	the	the	DET
gujaf-64	124	9	data	datum	NOUN
gujaf-64	124	10	within	within	ADP
gujaf-64	124	11	the	the	DET
gujaf-64	124	12	study	study	NOUN
gujaf-64	124	13	period	period	NOUN
gujaf-64	124	14	.	.	PUNCT
gujaf-64	125	1	the	the	DET
gujaf-64	125	2	data	datum	NOUN
gujaf-64	125	3	for	for	ADP
gujaf-64	125	4	the	the	DET
gujaf-64	125	5	study	study	NOUN
gujaf-64	125	6	was	be	AUX
gujaf-64	125	7	extracted	extract	VERB
gujaf-64	125	8	mainly	mainly	ADV
gujaf-64	125	9	from	from	ADP
gujaf-64	125	10	secondary	secondary	ADJ
gujaf-64	125	11	sources	source	NOUN
gujaf-64	125	12	;	;	PUNCT
gujaf-64	125	13	specifically	specifically	ADV
gujaf-64	125	14	,	,	PUNCT
gujaf-64	125	15	annual	annual	ADJ
gujaf-64	125	16	reports	report	NOUN
gujaf-64	125	17	and	and	CCONJ
gujaf-64	125	18	accounts	account	NOUN
gujaf-64	125	19	.	.	PUNCT
gujaf-64	126	1	panel	panel	NOUN
gujaf-64	126	2	data	data	PROPN
gujaf-64	126	3	regression	regression	NOUN
gujaf-64	126	4	technique	technique	NOUN
gujaf-64	126	5	was	be	AUX
gujaf-64	126	6	used	use	VERB
gujaf-64	126	7	because	because	SCONJ
gujaf-64	126	8	the	the	DET
gujaf-64	126	9	data	datum	NOUN
gujaf-64	126	10	are	be	AUX
gujaf-64	126	11	both	both	DET
gujaf-64	126	12	time	time	NOUN
gujaf-64	126	13	series	series	NOUN
gujaf-64	126	14	and	and	CCONJ
gujaf-64	126	15	cross	cross	PROPN
gujaf-64	126	16	sectional	sectional	PROPN
gujaf-64	126	17	.	.	PUNCT
gujaf-64	127	1	table	table	NOUN
gujaf-64	127	2	1	1	NUM
gujaf-64	127	3	:	:	PUNCT
gujaf-64	127	4	variable	variable	ADJ
gujaf-64	127	5	measurement	measurement	NOUN
gujaf-64	128	1	;	;	PUNCT
gujaf-64	128	2	the	the	DET
gujaf-64	128	3	variables	variable	NOUN
gujaf-64	128	4	of	of	ADP
gujaf-64	128	5	the	the	DET
gujaf-64	128	6	study	study	NOUN
gujaf-64	128	7	are	be	AUX
gujaf-64	128	8	measured	measure	VERB
gujaf-64	128	9	as	as	ADP
gujaf-64	128	10	follow	follow	NOUN
gujaf-64	128	11	:	:	PUNCT
gujaf-64	128	12	variables	variable	NOUN
gujaf-64	128	13	proxies	proxy	NOUN
gujaf-64	128	14	type	type	VERB
gujaf-64	128	15	measurement	measurement	NOUN
gujaf-64	128	16	sources	source	NOUN
gujaf-64	128	17	https://www.sciencedirect.com/topics/economics-econometrics-and-finance/market-power	https://www.sciencedirect.com/topics/economics-econometrics-and-finance/market-power	VERB
gujaf-64	128	18	https://www.sciencedirect.com/topics/economics-econometrics-and-finance/financial-market	https://www.sciencedirect.com/topics/economics-econometrics-and-finance/financial-market	ADJ
gujaf-64	128	19	gusau	gusau	ADJ
gujaf-64	128	20	journal	journal	NOUN
gujaf-64	128	21	of	of	ADP
gujaf-64	128	22	accounting	accounting	NOUN
gujaf-64	128	23	and	and	CCONJ
gujaf-64	128	24	finance	finance	NOUN
gujaf-64	128	25	,	,	PUNCT
gujaf-64	128	26	vol	vol	NOUN
gujaf-64	128	27	.	.	PROPN
gujaf-64	128	28	2	2	NUM
gujaf-64	128	29	,	,	PUNCT
gujaf-64	128	30	issue	issue	NOUN
gujaf-64	128	31	2	2	NUM
gujaf-64	128	32	,	,	PUNCT
gujaf-64	128	33	april	april	PROPN
gujaf-64	128	34	,	,	PUNCT
gujaf-64	128	35	2021	2021	NUM
gujaf-64	128	36	7	7	NUM
gujaf-64	128	37	asq	asq	PROPN
gujaf-64	128	38	nonperforming	nonperforme	VERB
gujaf-64	128	39	assets	asset	NOUN
gujaf-64	128	40	dep	dep	PROPN
gujaf-64	128	41	.	.	PUNCT
gujaf-64	128	42	npls	npls	PROPN
gujaf-64	128	43	/	/	SYM
gujaf-64	128	44	total	total	ADJ
gujaf-64	128	45	loans	loan	NOUN
gujaf-64	128	46	rathria	rathria	VERB
gujaf-64	128	47	,	,	PUNCT
gujaf-64	128	48	yohanes	yohane	NOUN
gujaf-64	128	49	,	,	PUNCT
gujaf-64	128	50	kevin	kevin	PROPN
gujaf-64	128	51	&	&	CCONJ
gujaf-64	128	52	robertus	robertus	PROPN
gujaf-64	128	53	(	(	PUNCT
gujaf-64	128	54	2018	2018	NUM
gujaf-64	128	55	)	)	PUNCT
gujaf-64	128	56	,	,	PUNCT
gujaf-64	128	57	abata	abata	NOUN
gujaf-64	128	58	(	(	PUNCT
gujaf-64	128	59	2014	2014	NUM
gujaf-64	128	60	)	)	PUNCT
gujaf-64	128	61	.	.	PUNCT
gujaf-64	129	1	roa	roa	PROPN
gujaf-64	129	2	profitability	profitability	NOUN
gujaf-64	129	3	indep	indep	NOUN
gujaf-64	129	4	.	.	PUNCT
gujaf-64	130	1	annual	annual	ADJ
gujaf-64	130	2	earnings	earning	NOUN
gujaf-64	130	3	/	/	SYM
gujaf-64	130	4	total	total	ADJ
gujaf-64	130	5	assets	asset	NOUN
gujaf-64	130	6	rajan(1994	rajan(1994	NOUN
gujaf-64	130	7	)	)	PUNCT
gujaf-64	130	8	,	,	PUNCT
gujaf-64	130	9	berger&deyoung(1997	berger&deyoung(1997	NOUN
gujaf-64	130	10	)	)	PUNCT
gujaf-64	130	11	,	,	PUNCT
gujaf-64	130	12	intincs	intincs	ADJ
gujaf-64	130	13	interest	interest	NOUN
gujaf-64	130	14	income	income	NOUN
gujaf-64	130	15	spread	spread	VERB
gujaf-64	130	16	indep	indep	NOUN
gujaf-64	130	17	net	net	ADJ
gujaf-64	130	18	int	int	NOUN
gujaf-64	130	19	.	.	PUNCT
gujaf-64	131	1	income	income	NOUN
gujaf-64	131	2	/	/	SYM
gujaf-64	131	3	total	total	NOUN
gujaf-64	131	4	income	income	NOUN
gujaf-64	131	5	salas&saurina,(2002),ugoani,(2015	salas&saurina,(2002),ugoani,(2015	PROPN
gujaf-64	131	6	)	)	PUNCT
gujaf-64	131	7	incdiv	incdiv	PROPN
gujaf-64	131	8	income	income	NOUN
gujaf-64	131	9	diversity	diversity	NOUN
gujaf-64	131	10	indep	indep	NOUN
gujaf-64	131	11	non	non	PROPN
gujaf-64	131	12	-	-	ADJ
gujaf-64	131	13	int	int	ADJ
gujaf-64	131	14	.	.	PUNCT
gujaf-64	132	1	income/	income/	NUM
gujaf-64	132	2	total	total	ADJ
gujaf-64	132	3	income	income	NOUN
gujaf-64	132	4	ghosh	ghosh	NOUN
gujaf-64	132	5	(	(	PUNCT
gujaf-64	132	6	2003	2003	NUM
gujaf-64	132	7	)	)	PUNCT
gujaf-64	132	8	,	,	PUNCT
gujaf-64	132	9	rathria	rathria	PROPN
gujaf-64	132	10	et	et	PROPN
gujaf-64	132	11	al	al	PROPN
gujaf-64	132	12	.	.	PROPN
gujaf-64	132	13	,	,	PUNCT
gujaf-64	132	14	(	(	PUNCT
gujaf-64	132	15	2018	2018	NUM
gujaf-64	132	16	)	)	PUNCT
gujaf-64	132	17	cgr	cgr	PROPN
gujaf-64	132	18	credit	credit	NOUN
gujaf-64	132	19	growth	growth	NOUN
gujaf-64	132	20	indep	indep	NOUN
gujaf-64	132	21	[	[	X
gujaf-64	132	22	gross	gross	ADJ
gujaf-64	132	23	loan(t)gross	loan(t)gross	X
gujaf-64	132	24	loan(t-1)]/	loan(t-1)]/	ADJ
gujaf-64	132	25	gross	gross	ADJ
gujaf-64	132	26	loan(t-1	loan(t-1	PROPN
gujaf-64	132	27	)	)	PUNCT
gujaf-64	132	28	ahmad	ahmad	PROPN
gujaf-64	132	29	&	&	CCONJ
gujaf-64	132	30	bashir(2013	bashir(2013	NOUN
gujaf-64	132	31	)	)	PUNCT
gujaf-64	132	32	,	,	PUNCT
gujaf-64	132	33	rathria	rathria	PROPN
gujaf-64	132	34	et	et	PROPN
gujaf-64	132	35	al	al	PROPN
gujaf-64	132	36	.	.	PROPN
gujaf-64	132	37	,	,	PUNCT
gujaf-64	132	38	(	(	PUNCT
gujaf-64	132	39	2018	2018	NUM
gujaf-64	132	40	)	)	PUNCT
gujaf-64	132	41	.	.	PUNCT
gujaf-64	133	1	fsz	fsz	NOUN
gujaf-64	133	2	total	total	ADJ
gujaf-64	133	3	asset	asset	NOUN
gujaf-64	133	4	control	control	NOUN
gujaf-64	133	5	natural	natural	ADJ
gujaf-64	133	6	logarithm	logarithm	NOUN
gujaf-64	133	7	of	of	ADP
gujaf-64	133	8	total	total	ADJ
gujaf-64	133	9	assets	asset	NOUN
gujaf-64	133	10	alexandri	alexandri	PROPN
gujaf-64	133	11	&	&	CCONJ
gujaf-64	133	12	santoso	santoso	PROPN
gujaf-64	133	13	(	(	PUNCT
gujaf-64	133	14	2015	2015	NUM
gujaf-64	133	15	)	)	PUNCT
gujaf-64	133	16	,	,	PUNCT
gujaf-64	133	17	tehula	tehula	PROPN
gujaf-64	133	18	&	&	CCONJ
gujaf-64	133	19	olana	olana	PROPN
gujaf-64	133	20	,	,	PUNCT
gujaf-64	133	21	(	(	PUNCT
gujaf-64	133	22	2014	2014	NUM
gujaf-64	133	23	)	)	PUNCT
gujaf-64	133	24	source	source	NOUN
gujaf-64	133	25	:	:	PUNCT
gujaf-64	133	26	compiled	compile	VERB
gujaf-64	133	27	by	by	ADP
gujaf-64	133	28	author	author	NOUN
gujaf-64	133	29	2021	2021	NUM
gujaf-64	133	30	3.1	3.1	NUM
gujaf-64	133	31	.	.	PUNCT
gujaf-64	133	32	model	model	NOUN
gujaf-64	133	33	specification	specification	NOUN
gujaf-64	133	34	to	to	PART
gujaf-64	133	35	examine	examine	VERB
gujaf-64	133	36	the	the	DET
gujaf-64	133	37	bank	bank	NOUN
gujaf-64	133	38	specific	specific	ADJ
gujaf-64	133	39	factors	factor	NOUN
gujaf-64	133	40	that	that	PRON
gujaf-64	133	41	have	have	VERB
gujaf-64	133	42	effect	effect	NOUN
gujaf-64	133	43	on	on	ADP
gujaf-64	133	44	asset	asset	NOUN
gujaf-64	133	45	quality	quality	NOUN
gujaf-64	133	46	,	,	PUNCT
gujaf-64	133	47	a	a	DET
gujaf-64	133	48	multiple	multiple	ADJ
gujaf-64	133	49	linear	linear	ADJ
gujaf-64	133	50	regression	regression	NOUN
gujaf-64	133	51	model	model	NOUN
gujaf-64	133	52	is	be	AUX
gujaf-64	133	53	recognized	recognize	VERB
gujaf-64	133	54	.	.	PUNCT
gujaf-64	134	1	this	this	DET
gujaf-64	134	2	model	model	NOUN
gujaf-64	134	3	captures	capture	VERB
gujaf-64	134	4	the	the	DET
gujaf-64	134	5	effect	effect	NOUN
gujaf-64	134	6	of	of	ADP
gujaf-64	134	7	bank	bank	NOUN
gujaf-64	134	8	specific	specific	ADJ
gujaf-64	134	9	factors	factor	NOUN
gujaf-64	134	10	on	on	ADP
gujaf-64	134	11	asset	asset	NOUN
gujaf-64	134	12	quality	quality	NOUN
gujaf-64	134	13	.the	.the	DET
gujaf-64	134	14	model	model	NOUN
gujaf-64	134	15	was	be	AUX
gujaf-64	134	16	adopted	adopt	VERB
gujaf-64	134	17	from	from	ADP
gujaf-64	134	18	the	the	DET
gujaf-64	134	19	work	work	NOUN
gujaf-64	134	20	of	of	ADP
gujaf-64	134	21	(	(	PUNCT
gujaf-64	134	22	warue	warue	PROPN
gujaf-64	134	23	,	,	PUNCT
gujaf-64	134	24	2013	2013	NUM
gujaf-64	134	25	)	)	PUNCT
gujaf-64	134	26	shown	show	VERB
gujaf-64	134	27	in	in	ADP
gujaf-64	134	28	the	the	DET
gujaf-64	134	29	equation	equation	NOUN
gujaf-64	134	30	;	;	PUNCT
gujaf-64	134	31	asqit=𝛼+	asqit=𝛼+	PROPN
gujaf-64	134	32	β1roait+	β1roait+	PROPN
gujaf-64	134	33	β2intinsit+	β2intinsit+	PROPN
gujaf-64	134	34	β3incdivit+	β3incdivit+	VERB
gujaf-64	134	35	β4cgrit	β4cgrit	ADJ
gujaf-64	135	1	+	+	CCONJ
gujaf-64	135	2	β5bszit	β5bszit	NOUN
gujaf-64	135	3	+	+	CCONJ
gujaf-64	135	4	εit	εit	VERB
gujaf-64	135	5	where	where	SCONJ
gujaf-64	135	6	:	:	PUNCT
gujaf-64	135	7	𝛼	𝛼	X
gujaf-64	135	8	=	=	SYM
gujaf-64	135	9	constant	constant	ADJ
gujaf-64	135	10	represent	represent	VERB
gujaf-64	135	11	the	the	DET
gujaf-64	135	12	value	value	NOUN
gujaf-64	135	13	of	of	ADP
gujaf-64	135	14	npas	npas	NOUN
gujaf-64	135	15	when	when	SCONJ
gujaf-64	135	16	all	all	DET
gujaf-64	135	17	other	other	ADJ
gujaf-64	135	18	explanatory	explanatory	ADJ
gujaf-64	135	19	variables	variable	NOUN
gujaf-64	135	20	held	hold	VERB
gujaf-64	135	21	constant	constant	ADJ
gujaf-64	135	22	,	,	PUNCT
gujaf-64	136	1	β1	β1	PROPN
gujaf-64	136	2	β5	β5	NOUN
gujaf-64	136	3	=	=	NOUN
gujaf-64	136	4	coefficient	coefficient	NOUN
gujaf-64	136	5	of	of	ADP
gujaf-64	136	6	the	the	DET
gujaf-64	136	7	explanatory	explanatory	ADJ
gujaf-64	136	8	variables	variable	NOUN
gujaf-64	136	9	ε	ε	PROPN
gujaf-64	136	10	=	=	SYM
gujaf-64	136	11	error	error	NOUN
gujaf-64	136	12	term	term	NOUN
gujaf-64	136	13	asq	asq	NOUN
gujaf-64	136	14	=	=	PUNCT
gujaf-64	136	15	asset	asset	NOUN
gujaf-64	136	16	quality	quality	NOUN
gujaf-64	136	17	(	(	PUNCT
gujaf-64	136	18	proxy	proxy	NOUN
gujaf-64	136	19	by	by	ADP
gujaf-64	136	20	nonperforming	nonperforme	VERB
gujaf-64	136	21	assets	asset	NOUN
gujaf-64	136	22	)	)	PUNCT
gujaf-64	136	23	as	as	ADP
gujaf-64	136	24	our	our	PRON
gujaf-64	136	25	dependent	dependent	ADJ
gujaf-64	136	26	variable	variable	NOUN
gujaf-64	136	27	roait=	roait=	NUM
gujaf-64	136	28	return	return	NOUN
gujaf-64	136	29	on	on	ADP
gujaf-64	136	30	asset	asset	NOUN
gujaf-64	136	31	of	of	ADP
gujaf-64	136	32	bank	bank	PROPN
gujaf-64	136	33	i	i	PRON
gujaf-64	136	34	at	at	ADP
gujaf-64	136	35	time	time	NOUN
gujaf-64	136	36	t	t	PROPN
gujaf-64	136	37	,	,	PUNCT
gujaf-64	136	38	as	as	ADP
gujaf-64	136	39	our	our	PRON
gujaf-64	136	40	independent	independent	ADJ
gujaf-64	136	41	variable	variable	ADJ
gujaf-64	136	42	intinsit	intinsit	NOUN
gujaf-64	136	43	=	=	PUNCT
gujaf-64	136	44	interest	interest	NOUN
gujaf-64	136	45	income	income	NOUN
gujaf-64	136	46	spread	spread	NOUN
gujaf-64	136	47	of	of	ADP
gujaf-64	136	48	bank	bank	NOUN
gujaf-64	136	49	i	i	PRON
gujaf-64	136	50	at	at	ADP
gujaf-64	136	51	time	time	NOUN
gujaf-64	136	52	t	t	PROPN
gujaf-64	136	53	,	,	PUNCT
gujaf-64	136	54	as	as	ADP
gujaf-64	136	55	our	our	PRON
gujaf-64	136	56	independent	independent	ADJ
gujaf-64	136	57	variable	variable	NOUN
gujaf-64	136	58	incdivit=	incdivit=	NUM
gujaf-64	136	59	income	income	NOUN
gujaf-64	136	60	diversity	diversity	NOUN
gujaf-64	136	61	of	of	ADP
gujaf-64	136	62	bank	bank	NOUN
gujaf-64	136	63	i	i	PRON
gujaf-64	136	64	at	at	ADP
gujaf-64	136	65	time	time	NOUN
gujaf-64	136	66	t	t	PROPN
gujaf-64	136	67	,	,	PUNCT
gujaf-64	136	68	as	as	ADP
gujaf-64	136	69	our	our	PRON
gujaf-64	136	70	independent	independent	ADJ
gujaf-64	136	71	variable	variable	ADJ
gujaf-64	136	72	cgrit=	cgrit=	NUM
gujaf-64	136	73	credit	credit	NOUN
gujaf-64	136	74	growth	growth	NOUN
gujaf-64	136	75	rate	rate	NOUN
gujaf-64	136	76	of	of	ADP
gujaf-64	136	77	bank	bank	NOUN
gujaf-64	136	78	i	i	PRON
gujaf-64	136	79	at	at	ADP
gujaf-64	136	80	time	time	NOUN
gujaf-64	136	81	t	t	PROPN
gujaf-64	136	82	as	as	ADP
gujaf-64	136	83	our	our	PRON
gujaf-64	136	84	independent	independent	ADJ
gujaf-64	136	85	variable	variable	ADJ
gujaf-64	136	86	bszit	bszit	NOUN
gujaf-64	136	87	=	=	PUNCT
gujaf-64	136	88	bank	bank	NOUN
gujaf-64	136	89	size	size	NOUN
gujaf-64	136	90	bank	bank	PROPN
gujaf-64	136	91	i	i	PRON
gujaf-64	136	92	at	at	ADP
gujaf-64	136	93	time	time	NOUN
gujaf-64	136	94	t	t	PROPN
gujaf-64	136	95	as	as	ADP
gujaf-64	136	96	our	our	PRON
gujaf-64	136	97	independent	independent	ADJ
gujaf-64	136	98	variable	variable	ADJ
gujaf-64	136	99	4.1	4.1	NUM
gujaf-64	136	100	data	datum	NOUN
gujaf-64	136	101	presentation	presentation	NOUN
gujaf-64	136	102	and	and	CCONJ
gujaf-64	136	103	analysis	analysis	NOUN
gujaf-64	136	104	in	in	ADP
gujaf-64	136	105	this	this	DET
gujaf-64	136	106	section	section	NOUN
gujaf-64	136	107	,	,	PUNCT
gujaf-64	136	108	results	result	VERB
gujaf-64	136	109	from	from	ADP
gujaf-64	136	110	the	the	DET
gujaf-64	136	111	various	various	ADJ
gujaf-64	136	112	tests	test	NOUN
gujaf-64	136	113	conducted	conduct	VERB
gujaf-64	136	114	for	for	ADP
gujaf-64	136	115	the	the	DET
gujaf-64	136	116	sampled	sample	VERB
gujaf-64	136	117	banks	bank	NOUN
gujaf-64	136	118	were	be	AUX
gujaf-64	136	119	presented	present	VERB
gujaf-64	136	120	,	,	PUNCT
gujaf-64	136	121	analyzed	analyze	VERB
gujaf-64	136	122	and	and	CCONJ
gujaf-64	136	123	interpreted	interpret	VERB
gujaf-64	136	124	.	.	PUNCT
gujaf-64	137	1	the	the	DET
gujaf-64	137	2	hypotheses	hypothesis	NOUN
gujaf-64	137	3	formulated	formulate	VERB
gujaf-64	137	4	for	for	ADP
gujaf-64	137	5	the	the	DET
gujaf-64	137	6	study	study	NOUN
gujaf-64	137	7	were	be	AUX
gujaf-64	137	8	tested	test	VERB
gujaf-64	137	9	to	to	PART
gujaf-64	137	10	determine	determine	VERB
gujaf-64	137	11	the	the	DET
gujaf-64	137	12	effect	effect	NOUN
gujaf-64	137	13	of	of	ADP
gujaf-64	137	14	bank	bank	NOUN
gujaf-64	137	15	specific	specific	ADJ
gujaf-64	137	16	factors	factor	NOUN
gujaf-64	137	17	on	on	ADP
gujaf-64	137	18	asset	asset	NOUN
gujaf-64	137	19	quality	quality	NOUN
gujaf-64	137	20	.	.	PUNCT
gujaf-64	138	1	table	table	NOUN
gujaf-64	138	2	2	2	NUM
gujaf-64	138	3	:	:	PUNCT
gujaf-64	138	4	summary	summary	NOUN
gujaf-64	138	5	of	of	ADP
gujaf-64	138	6	descriptive	descriptive	ADJ
gujaf-64	138	7	statistics	statistic	NOUN
gujaf-64	138	8	variables	variable	NOUN
gujaf-64	138	9	mean	mean	VERB
gujaf-64	138	10	std	std	X
gujaf-64	138	11	.	.	PROPN
gujaf-64	138	12	dev	dev	PROPN
gujaf-64	138	13	.	.	PUNCT
gujaf-64	139	1	min	min	PROPN
gujaf-64	139	2	max	max	PROPN
gujaf-64	139	3	obs	obs	PROPN
gujaf-64	139	4	.	.	PUNCT
gujaf-64	140	1	asq	asq	PROPN
gujaf-64	140	2	5.545	5.545	NUM
gujaf-64	140	3	5.740	5.740	NUM
gujaf-64	140	4	0.969	0.969	NUM
gujaf-64	140	5	35.438	35.438	NUM
gujaf-64	140	6	91	91	NUM
gujaf-64	140	7	roa	roa	NOUN
gujaf-64	140	8	1.603	1.603	NUM
gujaf-64	140	9	1.943	1.943	NUM
gujaf-64	140	10	-9.532	-9.532	NUM
gujaf-64	140	11	6.154	6.154	NUM
gujaf-64	140	12	91	91	NUM
gujaf-64	140	13	intincs	intinc	NOUN
gujaf-64	140	14	43.882	43.882	NUM
gujaf-64	140	15	8.938	8.938	NUM
gujaf-64	140	16	24.277	24.277	NUM
gujaf-64	140	17	65.598	65.598	NUM
gujaf-64	140	18	91	91	NUM
gujaf-64	140	19	incdiv	incdiv	NOUN
gujaf-64	140	20	5.423	5.423	NUM
gujaf-64	140	21	5.069	5.069	NUM
gujaf-64	140	22	0.072	0.072	NUM
gujaf-64	140	23	26.424	26.424	NUM
gujaf-64	140	24	91	91	NUM
gujaf-64	140	25	cgr	cgr	NOUN
gujaf-64	140	26	-1.746	-1.746	NUM
gujaf-64	140	27	116.062	116.062	NUM
gujaf-64	140	28	-1088.45	-1088.45	NUM
gujaf-64	140	29	68.605	68.605	NUM
gujaf-64	140	30	91	91	NUM
gujaf-64	140	31	bsz	bsz	NOUN
gujaf-64	140	32	9.128	9.128	NUM
gujaf-64	140	33	0.333	0.333	NUM
gujaf-64	140	34	8.195	8.195	NUM
gujaf-64	140	35	9.695	9.695	NUM
gujaf-64	140	36	91	91	NUM
gujaf-64	140	37	gusau	gusau	ADJ
gujaf-64	140	38	journal	journal	NOUN
gujaf-64	140	39	of	of	ADP
gujaf-64	140	40	accounting	accounting	NOUN
gujaf-64	140	41	and	and	CCONJ
gujaf-64	140	42	finance	finance	NOUN
gujaf-64	140	43	,	,	PUNCT
gujaf-64	140	44	vol	vol	NOUN
gujaf-64	140	45	.	.	PROPN
gujaf-64	140	46	2	2	NUM
gujaf-64	140	47	,	,	PUNCT
gujaf-64	140	48	issue	issue	NOUN
gujaf-64	140	49	2	2	NUM
gujaf-64	140	50	,	,	PUNCT
gujaf-64	140	51	april	april	PROPN
gujaf-64	140	52	,	,	PUNCT
gujaf-64	140	53	2021	2021	NUM
gujaf-64	140	54	8	8	NUM
gujaf-64	140	55	source	source	NOUN
gujaf-64	140	56	:	:	PUNCT
gujaf-64	140	57	stata	stata	VERB
gujaf-64	140	58	output	output	NOUN
gujaf-64	140	59	2019	2019	NUM
gujaf-64	140	60	from	from	ADP
gujaf-64	140	61	the	the	DET
gujaf-64	140	62	descriptive	descriptive	ADJ
gujaf-64	140	63	statistics	statistic	NOUN
gujaf-64	140	64	in	in	ADP
gujaf-64	140	65	table	table	NOUN
gujaf-64	140	66	2	2	NUM
gujaf-64	140	67	,	,	PUNCT
gujaf-64	140	68	the	the	DET
gujaf-64	140	69	mean	mean	ADJ
gujaf-64	140	70	value	value	NOUN
gujaf-64	140	71	of	of	ADP
gujaf-64	140	72	asq	asq	PROPN
gujaf-64	140	73	is	be	AUX
gujaf-64	140	74	5.5	5.5	NUM
gujaf-64	140	75	,	,	PUNCT
gujaf-64	140	76	with	with	ADP
gujaf-64	140	77	a	a	DET
gujaf-64	140	78	standard	standard	ADJ
gujaf-64	140	79	deviation	deviation	NOUN
gujaf-64	140	80	of	of	ADP
gujaf-64	140	81	5.74	5.74	NUM
gujaf-64	140	82	;	;	PUNCT
gujaf-64	140	83	maximum	maximum	ADJ
gujaf-64	140	84	and	and	CCONJ
gujaf-64	140	85	minimum	minimum	ADJ
gujaf-64	140	86	values	value	NOUN
gujaf-64	140	87	of	of	ADP
gujaf-64	140	88	35.4	35.4	NUM
gujaf-64	140	89	and	and	CCONJ
gujaf-64	140	90	0.97	0.97	NUM
gujaf-64	140	91	per	per	ADP
gujaf-64	140	92	cent	cent	NOUN
gujaf-64	140	93	respectively	respectively	ADV
gujaf-64	140	94	.	.	PUNCT
gujaf-64	141	1	this	this	PRON
gujaf-64	141	2	implies	imply	VERB
gujaf-64	141	3	that	that	SCONJ
gujaf-64	141	4	on	on	ADP
gujaf-64	141	5	average	average	ADJ
gujaf-64	141	6	asq	asq	PROPN
gujaf-64	141	7	of	of	ADP
gujaf-64	141	8	listed	list	VERB
gujaf-64	141	9	dmbs	dmb	NOUN
gujaf-64	141	10	which	which	PRON
gujaf-64	141	11	measures	measure	VERB
gujaf-64	141	12	the	the	DET
gujaf-64	141	13	proportion	proportion	NOUN
gujaf-64	141	14	of	of	ADP
gujaf-64	141	15	a	a	DET
gujaf-64	141	16	bank‟s	bank‟s	ADJ
gujaf-64	141	17	loan	loan	NOUN
gujaf-64	141	18	portfolio	portfolio	NOUN
gujaf-64	141	19	that	that	PRON
gujaf-64	141	20	is	be	AUX
gujaf-64	141	21	active	active	ADJ
gujaf-64	141	22	and	and	CCONJ
gujaf-64	141	23	yielding	yield	VERB
gujaf-64	141	24	interest	interest	NOUN
gujaf-64	141	25	is	be	AUX
gujaf-64	141	26	approximately	approximately	ADV
gujaf-64	141	27	5.5	5.5	NUM
gujaf-64	141	28	percent	percent	NOUN
gujaf-64	141	29	and	and	CCONJ
gujaf-64	141	30	the	the	DET
gujaf-64	141	31	standard	standard	ADJ
gujaf-64	141	32	deviation	deviation	NOUN
gujaf-64	141	33	of	of	ADP
gujaf-64	141	34	5.74	5.74	NUM
gujaf-64	141	35	percent	percent	NOUN
gujaf-64	141	36	signifies	signify	VERB
gujaf-64	141	37	wide	wide	ADJ
gujaf-64	141	38	variation	variation	NOUN
gujaf-64	141	39	in	in	ADP
gujaf-64	141	40	the	the	DET
gujaf-64	141	41	data	datum	NOUN
gujaf-64	141	42	set	set	VERB
gujaf-64	141	43	.	.	PUNCT
gujaf-64	142	1	this	this	PRON
gujaf-64	142	2	is	be	AUX
gujaf-64	142	3	corroborated	corroborate	VERB
gujaf-64	142	4	by	by	ADP
gujaf-64	142	5	the	the	DET
gujaf-64	142	6	wide	wide	ADJ
gujaf-64	142	7	range	range	NOUN
gujaf-64	142	8	given	give	VERB
gujaf-64	142	9	by	by	ADP
gujaf-64	142	10	minimum	minimum	NOUN
gujaf-64	142	11	and	and	CCONJ
gujaf-64	142	12	maximum	maximum	NOUN
gujaf-64	142	13	of	of	ADP
gujaf-64	142	14	0.97	0.97	NUM
gujaf-64	142	15	percent	percent	NOUN
gujaf-64	142	16	and	and	CCONJ
gujaf-64	142	17	35.5	35.5	NUM
gujaf-64	142	18	percent	percent	NOUN
gujaf-64	142	19	respectively	respectively	ADV
gujaf-64	142	20	.	.	PUNCT
gujaf-64	143	1	the	the	DET
gujaf-64	143	2	range	range	NOUN
gujaf-64	143	3	is	be	AUX
gujaf-64	143	4	high	high	ADJ
gujaf-64	143	5	and	and	CCONJ
gujaf-64	143	6	should	should	AUX
gujaf-64	143	7	be	be	AUX
gujaf-64	143	8	a	a	DET
gujaf-64	143	9	concern	concern	NOUN
gujaf-64	143	10	for	for	ADP
gujaf-64	143	11	regulators	regulator	NOUN
gujaf-64	143	12	of	of	ADP
gujaf-64	143	13	the	the	DET
gujaf-64	143	14	dmbs	dmb	NOUN
gujaf-64	143	15	.	.	PUNCT
gujaf-64	144	1	furthermore	furthermore	ADV
gujaf-64	144	2	,	,	PUNCT
gujaf-64	144	3	the	the	DET
gujaf-64	144	4	table	table	NOUN
gujaf-64	144	5	shows	show	VERB
gujaf-64	144	6	that	that	SCONJ
gujaf-64	144	7	roa	roa	PROPN
gujaf-64	144	8	ranged	range	VERB
gujaf-64	144	9	from	from	ADP
gujaf-64	144	10	-9.5	-9.5	NOUN
gujaf-64	144	11	to	to	ADP
gujaf-64	144	12	6.2	6.2	NUM
gujaf-64	144	13	percent	percent	NOUN
gujaf-64	144	14	with	with	ADP
gujaf-64	144	15	an	an	DET
gujaf-64	144	16	average	average	NOUN
gujaf-64	144	17	of	of	ADP
gujaf-64	144	18	1.6	1.6	NUM
gujaf-64	144	19	percent	percent	NOUN
gujaf-64	144	20	.	.	PUNCT
gujaf-64	145	1	interest	interest	NOUN
gujaf-64	145	2	income	income	NOUN
gujaf-64	145	3	spread	spread	NOUN
gujaf-64	145	4	has	have	VERB
gujaf-64	145	5	minimum	minimum	NOUN
gujaf-64	145	6	and	and	CCONJ
gujaf-64	145	7	maximum	maximum	NOUN
gujaf-64	145	8	of	of	ADP
gujaf-64	145	9	24.3	24.3	NUM
gujaf-64	145	10	and	and	CCONJ
gujaf-64	145	11	65.5	65.5	NUM
gujaf-64	145	12	percent	percent	NOUN
gujaf-64	145	13	with	with	ADP
gujaf-64	145	14	an	an	DET
gujaf-64	145	15	average	average	NOUN
gujaf-64	145	16	of	of	ADP
gujaf-64	145	17	43.9	43.9	NUM
gujaf-64	145	18	percent	percent	NOUN
gujaf-64	145	19	.	.	PUNCT
gujaf-64	146	1	income	income	NOUN
gujaf-64	146	2	diversity	diversity	NOUN
gujaf-64	146	3	has	have	VERB
gujaf-64	146	4	minimum	minimum	NOUN
gujaf-64	146	5	and	and	CCONJ
gujaf-64	146	6	maximum	maximum	NOUN
gujaf-64	146	7	of	of	ADP
gujaf-64	146	8	0.07	0.07	NUM
gujaf-64	146	9	and	and	CCONJ
gujaf-64	146	10	26	26	NUM
gujaf-64	146	11	percent	percent	NOUN
gujaf-64	146	12	with	with	ADP
gujaf-64	146	13	an	an	DET
gujaf-64	146	14	average	average	NOUN
gujaf-64	146	15	of	of	ADP
gujaf-64	146	16	5.4	5.4	NUM
gujaf-64	146	17	percent	percent	NOUN
gujaf-64	146	18	all	all	PRON
gujaf-64	146	19	suggesting	suggest	VERB
gujaf-64	146	20	wide	wide	ADJ
gujaf-64	146	21	variations	variation	NOUN
gujaf-64	146	22	in	in	ADP
gujaf-64	146	23	the	the	DET
gujaf-64	146	24	data	datum	NOUN
gujaf-64	146	25	set	set	VERB
gujaf-64	146	26	.	.	PUNCT
gujaf-64	147	1	however	however	ADV
gujaf-64	147	2	,	,	PUNCT
gujaf-64	147	3	amongst	amongst	ADP
gujaf-64	147	4	the	the	DET
gujaf-64	147	5	independent	independent	ADJ
gujaf-64	147	6	variables	variable	NOUN
gujaf-64	147	7	credit	credit	NOUN
gujaf-64	147	8	growth	growth	NOUN
gujaf-64	147	9	rate	rate	NOUN
gujaf-64	147	10	has	have	VERB
gujaf-64	147	11	the	the	DET
gujaf-64	147	12	steepest	steep	ADJ
gujaf-64	147	13	variation	variation	NOUN
gujaf-64	147	14	with	with	ADP
gujaf-64	147	15	minimum	minimum	ADJ
gujaf-64	147	16	and	and	CCONJ
gujaf-64	147	17	maximum	maximum	ADJ
gujaf-64	147	18	values	value	NOUN
gujaf-64	147	19	ranging	range	VERB
gujaf-64	147	20	from	from	ADP
gujaf-64	147	21	-1088.4	-1088.4	PUNCT
gujaf-64	147	22	to	to	ADP
gujaf-64	147	23	68.6	68.6	NUM
gujaf-64	147	24	percent	percent	NOUN
gujaf-64	147	25	with	with	ADP
gujaf-64	147	26	an	an	DET
gujaf-64	147	27	approximate	approximate	ADJ
gujaf-64	147	28	average	average	NOUN
gujaf-64	147	29	of	of	ADP
gujaf-64	147	30	-1.75	-1.75	NUM
gujaf-64	147	31	percent	percent	NOUN
gujaf-64	147	32	.	.	PUNCT
gujaf-64	148	1	table	table	NOUN
gujaf-64	148	2	3	3	NUM
gujaf-64	149	1	:	:	PUNCT
gujaf-64	149	2	correlation	correlation	NOUN
gujaf-64	149	3	matrix	matrix	NOUN
gujaf-64	149	4	variables	variable	VERB
gujaf-64	149	5	asq	asq	PROPN
gujaf-64	149	6	roa	roa	PROPN
gujaf-64	149	7	intincs	intincs	PROPN
gujaf-64	149	8	incdiv	incdiv	PROPN
gujaf-64	149	9	cgr	cgr	PROPN
gujaf-64	149	10	bsz	bsz	PROPN
gujaf-64	149	11	asq	asq	PROPN
gujaf-64	149	12	1.0000	1.0000	NUM
gujaf-64	149	13	roa	roa	PROPN
gujaf-64	149	14	-0.2539	-0.2539	PROPN
gujaf-64	149	15	1.0000	1.0000	NUM
gujaf-64	149	16	intincs	intincs	NOUN
gujaf-64	149	17	0.2900	0.2900	NUM
gujaf-64	149	18	0.0626	0.0626	NUM
gujaf-64	149	19	1.0000	1.0000	NUM
gujaf-64	149	20	incdiv	incdiv	NOUN
gujaf-64	149	21	0.1451	0.1451	NUM
gujaf-64	149	22	0.0471	0.0471	NUM
gujaf-64	149	23	-0.0731	-0.0731	NOUN
gujaf-64	149	24	1.0000	1.0000	NUM
gujaf-64	149	25	cgr	cgr	PROPN
gujaf-64	149	26	0.0329	0.0329	NUM
gujaf-64	149	27	0.5967	0.5967	NUM
gujaf-64	149	28	-0.1551	-0.1551	NOUN
gujaf-64	149	29	0.0937	0.0937	NUM
gujaf-64	149	30	1.0000	1.0000	NUM
gujaf-64	149	31	bsz	bsz	NOUN
gujaf-64	149	32	-0.2250	-0.2250	NOUN
gujaf-64	149	33	0.5497	0.5497	NUM
gujaf-64	149	34	0.1446	0.1446	NUM
gujaf-64	149	35	-0.0712	-0.0712	NOUN
gujaf-64	149	36	0.2622	0.2622	NUM
gujaf-64	149	37	1.0000	1.0000	NUM
gujaf-64	149	38	source	source	NOUN
gujaf-64	149	39	:	:	PUNCT
gujaf-64	149	40	stata	stata	NOUN
gujaf-64	149	41	output	output	NOUN
gujaf-64	149	42	,	,	PUNCT
gujaf-64	149	43	2021	2021	NUM
gujaf-64	149	44	from	from	ADP
gujaf-64	149	45	the	the	DET
gujaf-64	149	46	correlation	correlation	NOUN
gujaf-64	149	47	matrix	matrix	NOUN
gujaf-64	149	48	in	in	ADP
gujaf-64	149	49	table	table	NOUN
gujaf-64	149	50	3	3	NUM
gujaf-64	149	51	,	,	PUNCT
gujaf-64	149	52	the	the	DET
gujaf-64	149	53	intincs	intinc	NOUN
gujaf-64	149	54	,	,	PUNCT
gujaf-64	149	55	incdiv	incdiv	PROPN
gujaf-64	149	56	and	and	CCONJ
gujaf-64	149	57	cgr	cgr	PROPN
gujaf-64	149	58	are	be	AUX
gujaf-64	149	59	positively	positively	ADV
gujaf-64	149	60	correlated	correlate	VERB
gujaf-64	149	61	with	with	ADP
gujaf-64	149	62	asq	asq	PROPN
gujaf-64	149	63	of	of	ADP
gujaf-64	149	64	listed	list	VERB
gujaf-64	149	65	dmbs	dmb	NOUN
gujaf-64	149	66	in	in	ADP
gujaf-64	149	67	nigeria	nigeria	PROPN
gujaf-64	149	68	.	.	PUNCT
gujaf-64	150	1	the	the	DET
gujaf-64	150	2	consequence	consequence	NOUN
gujaf-64	150	3	is	be	AUX
gujaf-64	150	4	that	that	SCONJ
gujaf-64	150	5	,	,	PUNCT
gujaf-64	150	6	these	these	DET
gujaf-64	150	7	variables	variable	NOUN
gujaf-64	150	8	moved	move	VERB
gujaf-64	150	9	in	in	ADP
gujaf-64	150	10	the	the	DET
gujaf-64	150	11	same	same	ADJ
gujaf-64	150	12	direction	direction	NOUN
gujaf-64	150	13	with	with	ADP
gujaf-64	150	14	asq	asq	PROPN
gujaf-64	150	15	.	.	PUNCT
gujaf-64	151	1	on	on	ADP
gujaf-64	151	2	the	the	DET
gujaf-64	151	3	other	other	ADJ
gujaf-64	151	4	hand	hand	NOUN
gujaf-64	151	5	,	,	PUNCT
gujaf-64	151	6	roa	roa	NOUN
gujaf-64	151	7	and	and	CCONJ
gujaf-64	151	8	bsz	bsz	NOUN
gujaf-64	151	9	shows	show	VERB
gujaf-64	151	10	a	a	DET
gujaf-64	151	11	negative	negative	ADJ
gujaf-64	151	12	correlation	correlation	NOUN
gujaf-64	151	13	which	which	PRON
gujaf-64	151	14	means	mean	VERB
gujaf-64	151	15	that	that	SCONJ
gujaf-64	151	16	it	it	PRON
gujaf-64	151	17	moves	move	VERB
gujaf-64	151	18	in	in	ADP
gujaf-64	151	19	the	the	DET
gujaf-64	151	20	opposite	opposite	ADJ
gujaf-64	151	21	direction	direction	NOUN
gujaf-64	151	22	with	with	ADP
gujaf-64	151	23	the	the	DET
gujaf-64	151	24	asq	asq	PROPN
gujaf-64	151	25	.	.	PUNCT
gujaf-64	152	1	similarly	similarly	ADV
gujaf-64	152	2	,	,	PUNCT
gujaf-64	152	3	the	the	DET
gujaf-64	152	4	result	result	NOUN
gujaf-64	152	5	indicates	indicate	VERB
gujaf-64	152	6	that	that	SCONJ
gujaf-64	152	7	there	there	PRON
gujaf-64	152	8	is	be	VERB
gujaf-64	152	9	positive	positive	ADJ
gujaf-64	152	10	relationship	relationship	NOUN
gujaf-64	152	11	between	between	ADP
gujaf-64	152	12	intincs	intinc	NOUN
gujaf-64	152	13	and	and	CCONJ
gujaf-64	152	14	other	other	ADJ
gujaf-64	152	15	independent	independent	ADJ
gujaf-64	152	16	variables	variable	NOUN
gujaf-64	152	17	while	while	SCONJ
gujaf-64	152	18	there	there	PRON
gujaf-64	152	19	is	be	VERB
gujaf-64	152	20	negative	negative	ADJ
gujaf-64	152	21	correlation	correlation	NOUN
gujaf-64	152	22	between	between	ADP
gujaf-64	152	23	incdiv	incdiv	NOUN
gujaf-64	152	24	and	and	CCONJ
gujaf-64	152	25	intincs	intinc	NOUN
gujaf-64	152	26	,	,	PUNCT
gujaf-64	152	27	cgr	cgr	NOUN
gujaf-64	152	28	and	and	CCONJ
gujaf-64	152	29	intincs	intinc	NOUN
gujaf-64	152	30	.	.	PUNCT
gujaf-64	153	1	in	in	ADP
gujaf-64	153	2	addition	addition	NOUN
gujaf-64	153	3	,	,	PUNCT
gujaf-64	153	4	the	the	DET
gujaf-64	153	5	table	table	NOUN
gujaf-64	153	6	shows	show	VERB
gujaf-64	153	7	that	that	SCONJ
gujaf-64	153	8	there	there	PRON
gujaf-64	153	9	is	be	VERB
gujaf-64	153	10	no	no	DET
gujaf-64	153	11	presence	presence	NOUN
gujaf-64	153	12	of	of	ADP
gujaf-64	153	13	possible	possible	ADJ
gujaf-64	153	14	multicollinearity	multicollinearity	NOUN
gujaf-64	153	15	among	among	ADP
gujaf-64	153	16	the	the	DET
gujaf-64	153	17	independent	independent	ADJ
gujaf-64	153	18	variables	variable	NOUN
gujaf-64	153	19	because	because	SCONJ
gujaf-64	153	20	the	the	DET
gujaf-64	153	21	highest	high	ADJ
gujaf-64	153	22	relationship	relationship	NOUN
gujaf-64	153	23	among	among	ADP
gujaf-64	153	24	the	the	DET
gujaf-64	153	25	variable	variable	NOUN
gujaf-64	153	26	is	be	AUX
gujaf-64	153	27	60	60	NUM
gujaf-64	153	28	%	%	NOUN
gujaf-64	153	29	which	which	PRON
gujaf-64	153	30	is	be	AUX
gujaf-64	153	31	far	far	ADV
gujaf-64	153	32	lower	low	ADJ
gujaf-64	153	33	than	than	ADP
gujaf-64	153	34	the	the	DET
gujaf-64	153	35	threshold	threshold	NOUN
gujaf-64	153	36	of	of	ADP
gujaf-64	153	37	80	80	NUM
gujaf-64	153	38	%	%	NOUN
gujaf-64	153	39	as	as	SCONJ
gujaf-64	153	40	propounded	propound	VERB
gujaf-64	153	41	by	by	ADP
gujaf-64	153	42	(	(	PUNCT
gujaf-64	153	43	gujarati	gujarati	PROPN
gujaf-64	153	44	&	&	CCONJ
gujaf-64	153	45	dawan	dawan	PROPN
gujaf-64	153	46	,	,	PUNCT
gujaf-64	153	47	2009	2009	NUM
gujaf-64	153	48	)	)	PUNCT
gujaf-64	153	49	.	.	PUNCT
gujaf-64	154	1	residual	residual	ADJ
gujaf-64	154	2	tests	test	NOUN
gujaf-64	154	3	:	:	PUNCT
gujaf-64	154	4	a	a	DET
gujaf-64	154	5	multicollinearity	multicollinearity	NOUN
gujaf-64	154	6	test	test	NOUN
gujaf-64	154	7	was	be	AUX
gujaf-64	154	8	conducted	conduct	VERB
gujaf-64	154	9	to	to	PART
gujaf-64	154	10	show	show	VERB
gujaf-64	154	11	that	that	SCONJ
gujaf-64	154	12	there	there	PRON
gujaf-64	154	13	is	be	VERB
gujaf-64	154	14	no	no	DET
gujaf-64	154	15	existence	existence	NOUN
gujaf-64	154	16	of	of	ADP
gujaf-64	154	17	exact	exact	ADJ
gujaf-64	154	18	linear	linear	ADJ
gujaf-64	154	19	relationship	relationship	NOUN
gujaf-64	154	20	among	among	ADP
gujaf-64	154	21	some	some	PRON
gujaf-64	154	22	or	or	CCONJ
gujaf-64	154	23	all	all	DET
gujaf-64	154	24	the	the	DET
gujaf-64	154	25	explanatory	explanatory	ADJ
gujaf-64	154	26	variables	variable	NOUN
gujaf-64	154	27	in	in	ADP
gujaf-64	154	28	the	the	DET
gujaf-64	154	29	regression	regression	NOUN
gujaf-64	154	30	model	model	NOUN
gujaf-64	154	31	as	as	SCONJ
gujaf-64	154	32	shown	show	VERB
gujaf-64	154	33	by	by	ADP
gujaf-64	154	34	the	the	DET
gujaf-64	154	35	mean	mean	ADJ
gujaf-64	154	36	variance	variance	NOUN
gujaf-64	154	37	inflation	inflation	NOUN
gujaf-64	154	38	factor	factor	NOUN
gujaf-64	154	39	(	(	PUNCT
gujaf-64	154	40	vif	vif	NOUN
gujaf-64	154	41	)	)	PUNCT
gujaf-64	154	42	of	of	ADP
gujaf-64	154	43	1.47	1.47	NUM
gujaf-64	154	44	and	and	CCONJ
gujaf-64	154	45	the	the	DET
gujaf-64	154	46	tolerance	tolerance	NOUN
gujaf-64	154	47	value	value	NOUN
gujaf-64	154	48	for	for	ADP
gujaf-64	154	49	all	all	DET
gujaf-64	154	50	the	the	DET
gujaf-64	154	51	variables	variable	NOUN
gujaf-64	154	52	are	be	AUX
gujaf-64	154	53	less	less	ADJ
gujaf-64	154	54	than	than	ADP
gujaf-64	154	55	one	one	NUM
gujaf-64	154	56	which	which	PRON
gujaf-64	154	57	implies	imply	VERB
gujaf-64	154	58	that	that	SCONJ
gujaf-64	154	59	there	there	PRON
gujaf-64	154	60	is	be	VERB
gujaf-64	154	61	absence	absence	NOUN
gujaf-64	154	62	of	of	ADP
gujaf-64	154	63	multicollinearity	multicollinearity	NOUN
gujaf-64	154	64	because	because	SCONJ
gujaf-64	154	65	all	all	DET
gujaf-64	154	66	variables	variable	NOUN
gujaf-64	154	67	have	have	VERB
gujaf-64	154	68	vif	vif	NOUN
gujaf-64	154	69	values	value	NOUN
gujaf-64	154	70	less	less	ADJ
gujaf-64	154	71	than	than	ADP
gujaf-64	154	72	10	10	NUM
gujaf-64	154	73	,	,	PUNCT
gujaf-64	154	74	with	with	ADP
gujaf-64	154	75	tolerances	tolerance	NOUN
gujaf-64	154	76	greater	great	ADJ
gujaf-64	154	77	than	than	ADP
gujaf-64	154	78	0.10	0.10	NUM
gujaf-64	154	79	for	for	ADP
gujaf-64	154	80	all	all	DET
gujaf-64	154	81	variables	variable	NOUN
gujaf-64	154	82	(	(	PUNCT
gujaf-64	154	83	rule	rule	NOUN
gujaf-64	154	84	of	of	ADP
gujaf-64	154	85	thumb	thumb	NOUN
gujaf-64	154	86	)	)	PUNCT
gujaf-64	154	87	.	.	PUNCT
gujaf-64	155	1	the	the	DET
gujaf-64	155	2	breusch	breusch	ADV
gujaf-64	155	3	-	-	PUNCT
gujaf-64	155	4	pagan	pagan	ADJ
gujaf-64	155	5	/	/	SYM
gujaf-64	155	6	cook	cook	PROPN
gujaf-64	155	7	-	-	PUNCT
gujaf-64	155	8	weisberg	weisberg	PROPN
gujaf-64	155	9	test	test	NOUN
gujaf-64	155	10	was	be	AUX
gujaf-64	155	11	used	use	VERB
gujaf-64	155	12	to	to	PART
gujaf-64	155	13	determine	determine	VERB
gujaf-64	155	14	the	the	DET
gujaf-64	155	15	existence	existence	NOUN
gujaf-64	155	16	of	of	ADP
gujaf-64	155	17	heteroscedasticity	heteroscedasticity	NOUN
gujaf-64	155	18	in	in	ADP
gujaf-64	155	19	the	the	DET
gujaf-64	155	20	research	research	NOUN
gujaf-64	155	21	.	.	PUNCT
gujaf-64	156	1	the	the	DET
gujaf-64	156	2	chi	chi	ADJ
gujaf-64	156	3	-	-	PUNCT
gujaf-64	156	4	square	square	ADJ
gujaf-64	156	5	statistic	statistic	NOUN
gujaf-64	156	6	was	be	AUX
gujaf-64	156	7	48.78	48.78	NUM
gujaf-64	156	8	,	,	PUNCT
gujaf-64	156	9	and	and	CCONJ
gujaf-64	156	10	the	the	DET
gujaf-64	156	11	p	p	NOUN
gujaf-64	156	12	-	-	PUNCT
gujaf-64	156	13	values	value	NOUN
gujaf-64	156	14	were	be	AUX
gujaf-64	156	15	0.0000	0.0000	NUM
gujaf-64	156	16	.	.	PUNCT
gujaf-64	157	1	as	as	ADP
gujaf-64	157	2	a	a	DET
gujaf-64	157	3	result	result	NOUN
gujaf-64	157	4	,	,	PUNCT
gujaf-64	157	5	the	the	DET
gujaf-64	157	6	null	null	ADJ
gujaf-64	157	7	hypothesis	hypothesis	NOUN
gujaf-64	157	8	of	of	ADP
gujaf-64	157	9	constant	constant	ADJ
gujaf-64	157	10	variance	variance	NOUN
gujaf-64	157	11	was	be	AUX
gujaf-64	157	12	rejected	reject	VERB
gujaf-64	157	13	,	,	PUNCT
gujaf-64	157	14	whereas	whereas	SCONJ
gujaf-64	157	15	the	the	DET
gujaf-64	157	16	alternate	alternate	ADJ
gujaf-64	157	17	gusau	gusau	ADJ
gujaf-64	157	18	journal	journal	NOUN
gujaf-64	157	19	of	of	ADP
gujaf-64	157	20	accounting	accounting	NOUN
gujaf-64	157	21	and	and	CCONJ
gujaf-64	157	22	finance	finance	NOUN
gujaf-64	157	23	,	,	PUNCT
gujaf-64	157	24	vol	vol	NOUN
gujaf-64	157	25	.	.	PROPN
gujaf-64	157	26	2	2	NUM
gujaf-64	157	27	,	,	PUNCT
gujaf-64	157	28	issue	issue	NOUN
gujaf-64	157	29	2	2	NUM
gujaf-64	157	30	,	,	PUNCT
gujaf-64	157	31	april	april	PROPN
gujaf-64	157	32	,	,	PUNCT
gujaf-64	157	33	2021	2021	NUM
gujaf-64	157	34	9	9	NUM
gujaf-64	157	35	hypothesis	hypothesis	NOUN
gujaf-64	157	36	of	of	ADP
gujaf-64	157	37	non	non	ADJ
gujaf-64	157	38	-	-	ADJ
gujaf-64	157	39	constant	constant	ADJ
gujaf-64	157	40	variance	variance	NOUN
gujaf-64	157	41	was	be	AUX
gujaf-64	157	42	accepted	accept	VERB
gujaf-64	157	43	since	since	SCONJ
gujaf-64	157	44	the	the	DET
gujaf-64	157	45	p	p	NOUN
gujaf-64	157	46	-	-	PUNCT
gujaf-64	157	47	value	value	NOUN
gujaf-64	157	48	was	be	AUX
gujaf-64	157	49	statistically	statistically	ADV
gujaf-64	157	50	significant	significant	ADJ
gujaf-64	157	51	at	at	ADP
gujaf-64	157	52	1	1	NUM
gujaf-64	157	53	%	%	NOUN
gujaf-64	157	54	.	.	PUNCT
gujaf-64	158	1	the	the	DET
gujaf-64	158	2	existence	existence	NOUN
gujaf-64	158	3	of	of	ADP
gujaf-64	158	4	heteroscedasticity	heteroscedasticity	PROPN
gujaf-64	158	5	,	,	PUNCT
gujaf-64	158	6	on	on	ADP
gujaf-64	158	7	the	the	DET
gujaf-64	158	8	other	other	ADJ
gujaf-64	158	9	hand	hand	NOUN
gujaf-64	158	10	,	,	PUNCT
gujaf-64	158	11	was	be	AUX
gujaf-64	158	12	adjusted	adjust	VERB
gujaf-64	158	13	using	use	VERB
gujaf-64	158	14	a	a	DET
gujaf-64	158	15	modified	modify	VERB
gujaf-64	158	16	wald	wald	NOUN
gujaf-64	158	17	test	test	NOUN
gujaf-64	158	18	for	for	ADP
gujaf-64	158	19	groupwise	groupwise	PROPN
gujaf-64	158	20	heteroscedasticity	heteroscedasticity	PROPN
gujaf-64	158	21	.	.	PUNCT
gujaf-64	159	1	hausman	hausman	PROPN
gujaf-64	159	2	specification	specification	PROPN
gujaf-64	159	3	test	test	NOUN
gujaf-64	159	4	was	be	AUX
gujaf-64	159	5	conducted	conduct	VERB
gujaf-64	159	6	to	to	PART
gujaf-64	159	7	choose	choose	VERB
gujaf-64	159	8	between	between	ADP
gujaf-64	159	9	the	the	DET
gujaf-64	159	10	fixed	fix	VERB
gujaf-64	159	11	and	and	CCONJ
gujaf-64	159	12	the	the	DET
gujaf-64	159	13	random	random	ADJ
gujaf-64	159	14	effect	effect	NOUN
gujaf-64	159	15	models	model	NOUN
gujaf-64	159	16	.	.	PUNCT
gujaf-64	160	1	the	the	DET
gujaf-64	160	2	chi	chi	ADJ
gujaf-64	160	3	-	-	PUNCT
gujaf-64	160	4	square	square	ADJ
gujaf-64	160	5	value	value	NOUN
gujaf-64	160	6	of	of	ADP
gujaf-64	160	7	86.04	86.04	NUM
gujaf-64	160	8	was	be	AUX
gujaf-64	160	9	produced	produce	VERB
gujaf-64	160	10	with	with	ADP
gujaf-64	160	11	a	a	DET
gujaf-64	160	12	p	p	NOUN
gujaf-64	160	13	-	-	PUNCT
gujaf-64	160	14	value	value	NOUN
gujaf-64	160	15	of	of	ADP
gujaf-64	160	16	0	0	NUM
gujaf-64	160	17	,	,	PUNCT
gujaf-64	160	18	0000	0000	NUM
gujaf-64	160	19	.	.	PUNCT
gujaf-64	161	1	it	it	PRON
gujaf-64	161	2	means	mean	VERB
gujaf-64	161	3	that	that	SCONJ
gujaf-64	161	4	the	the	DET
gujaf-64	161	5	variation	variation	NOUN
gujaf-64	161	6	between	between	ADP
gujaf-64	161	7	different	different	ADJ
gujaf-64	161	8	entities	entity	NOUN
gujaf-64	161	9	is	be	AUX
gujaf-64	161	10	supposed	suppose	VERB
gujaf-64	161	11	to	to	PART
gujaf-64	161	12	be	be	AUX
gujaf-64	161	13	fixed	fix	VERB
gujaf-64	161	14	and	and	CCONJ
gujaf-64	161	15	unrelated	unrelated	ADJ
gujaf-64	161	16	to	to	ADP
gujaf-64	161	17	the	the	DET
gujaf-64	161	18	independent	independent	ADJ
gujaf-64	161	19	variables	variable	NOUN
gujaf-64	161	20	in	in	ADP
gujaf-64	161	21	the	the	DET
gujaf-64	161	22	model	model	NOUN
gujaf-64	161	23	.	.	PUNCT
gujaf-64	162	1	the	the	DET
gujaf-64	162	2	result	result	NOUN
gujaf-64	162	3	of	of	ADP
gujaf-64	162	4	the	the	DET
gujaf-64	162	5	fixed	fix	VERB
gujaf-64	162	6	-	-	PUNCT
gujaf-64	162	7	effect	effect	NOUN
gujaf-64	162	8	model	model	NOUN
gujaf-64	162	9	was	be	AUX
gujaf-64	162	10	considered	consider	VERB
gujaf-64	162	11	suitable	suitable	ADJ
gujaf-64	162	12	for	for	ADP
gujaf-64	162	13	analysis	analysis	NOUN
gujaf-64	162	14	.	.	PUNCT
gujaf-64	163	1	however	however	ADV
gujaf-64	163	2	,	,	PUNCT
gujaf-64	163	3	the	the	DET
gujaf-64	163	4	result	result	NOUN
gujaf-64	163	5	of	of	ADP
gujaf-64	163	6	the	the	DET
gujaf-64	163	7	heteroscedasticity	heteroscedasticity	NOUN
gujaf-64	163	8	test	test	NOUN
gujaf-64	163	9	earlier	early	ADV
gujaf-64	163	10	conducted	conduct	VERB
gujaf-64	163	11	shows	show	VERB
gujaf-64	163	12	that	that	SCONJ
gujaf-64	163	13	the	the	DET
gujaf-64	163	14	homoscedastic	homoscedastic	ADJ
gujaf-64	163	15	assumption	assumption	NOUN
gujaf-64	163	16	is	be	AUX
gujaf-64	163	17	not	not	PART
gujaf-64	163	18	met	meet	VERB
gujaf-64	163	19	.	.	PUNCT
gujaf-64	164	1	hence	hence	ADV
gujaf-64	164	2	,	,	PUNCT
gujaf-64	164	3	the	the	DET
gujaf-64	164	4	regression	regression	NOUN
gujaf-64	164	5	result	result	NOUN
gujaf-64	164	6	was	be	AUX
gujaf-64	164	7	subjected	subject	VERB
gujaf-64	164	8	to	to	ADP
gujaf-64	164	9	a	a	DET
gujaf-64	164	10	further	further	ADJ
gujaf-64	164	11	test	test	NOUN
gujaf-64	164	12	where	where	SCONJ
gujaf-64	164	13	crosssectional	crosssectional	ADJ
gujaf-64	164	14	time	time	NOUN
gujaf-64	164	15	-	-	PUNCT
gujaf-64	164	16	series	series	NOUN
gujaf-64	164	17	feasible	feasible	ADJ
gujaf-64	164	18	generalized	generalized	ADJ
gujaf-64	164	19	least	least	ADJ
gujaf-64	164	20	square	square	ADJ
gujaf-64	164	21	regression	regression	NOUN
gujaf-64	164	22	(	(	PUNCT
gujaf-64	164	23	fgls	fgls	PROPN
gujaf-64	164	24	)	)	PUNCT
gujaf-64	164	25	to	to	PART
gujaf-64	164	26	take	take	VERB
gujaf-64	164	27	care	care	NOUN
gujaf-64	164	28	of	of	ADP
gujaf-64	164	29	the	the	DET
gujaf-64	164	30	heteroscedasticity	heteroscedasticity	NOUN
gujaf-64	164	31	problem	problem	NOUN
gujaf-64	164	32	.	.	PUNCT
gujaf-64	165	1	table	table	NOUN
gujaf-64	165	2	4	4	NUM
gujaf-64	165	3	:	:	PUNCT
gujaf-64	165	4	fgls	fgl	VERB
gujaf-64	165	5	regression	regression	NOUN
gujaf-64	165	6	result	result	NOUN
gujaf-64	166	1	variables	variable	NOUN
gujaf-64	166	2	coefficient	coefficient	VERB
gujaf-64	166	3	zvalue	zvalue	PROPN
gujaf-64	166	4	p>(z	p>(z	PROPN
gujaf-64	166	5	)	)	PUNCT
gujaf-64	166	6	roa	roa	PROPN
gujaf-64	167	1	-1.304	-1.304	PROPN
gujaf-64	167	2	-2.57	-2.57	PROPN
gujaf-64	167	3	0.010	0.010	NUM
gujaf-64	167	4	intincs	intincs	PROPN
gujaf-64	167	5	0.261	0.261	NUM
gujaf-64	167	6	3.90	3.90	NUM
gujaf-64	167	7	0.000	0.000	NUM
gujaf-64	167	8	incdiv	incdiv	NOUN
gujaf-64	167	9	0.171	0.171	NUM
gujaf-64	167	10	2.09	2.09	NUM
gujaf-64	167	11	0.036	0.036	NUM
gujaf-64	167	12	cgr	cgr	PROPN
gujaf-64	167	13	0.019	0.019	NUM
gujaf-64	167	14	1.57	1.57	NUM
gujaf-64	167	15	0.117	0.117	NUM
gujaf-64	167	16	bsz	bsz	NOUN
gujaf-64	167	17	-2.235	-2.235	PUNCT
gujaf-64	167	18	-0.86	-0.86	VERB
gujaf-64	167	19	0.389	0.389	NUM
gujaf-64	167	20	constant	constant	ADJ
gujaf-64	167	21	15.692	15.692	NUM
gujaf-64	167	22	0.71	0.71	NUM
gujaf-64	167	23	0.477	0.477	NUM
gujaf-64	167	24	wald	wald	NOUN
gujaf-64	167	25	chi2	chi2	NOUN
gujaf-64	167	26	:	:	PUNCT
gujaf-64	167	27	37.01	37.01	NUM
gujaf-64	167	28	r	r	X
gujaf-64	167	29	-	-	PUNCT
gujaf-64	167	30	square	square	NOUN
gujaf-64	167	31	0.2935	0.2935	NUM
gujaf-64	167	32	prob	prob	NOUN
gujaf-64	167	33	.	.	PUNCT
gujaf-64	167	34	0.0000	0.0000	NUM
gujaf-64	167	35	hettest	hettest	VERB
gujaf-64	167	36	48.78	48.78	NUM
gujaf-64	167	37	0.000	0.000	NUM
gujaf-64	167	38	hausman	hausman	NOUN
gujaf-64	167	39	:	:	PUNCT
gujaf-64	167	40	86.04	86.04	NUM
gujaf-64	167	41	0.000	0.000	NUM
gujaf-64	167	42	source	source	NOUN
gujaf-64	167	43	:	:	PUNCT
gujaf-64	167	44	stata	stata	NOUN
gujaf-64	167	45	output	output	NOUN
gujaf-64	167	46	,	,	PUNCT
gujaf-64	167	47	2019	2019	NUM
gujaf-64	167	48	from	from	ADP
gujaf-64	167	49	the	the	DET
gujaf-64	167	50	results	result	NOUN
gujaf-64	167	51	in	in	ADP
gujaf-64	167	52	table	table	NOUN
gujaf-64	167	53	4	4	NUM
gujaf-64	167	54	,	,	PUNCT
gujaf-64	167	55	it	it	PRON
gujaf-64	167	56	can	can	AUX
gujaf-64	167	57	be	be	AUX
gujaf-64	167	58	observed	observe	VERB
gujaf-64	167	59	that	that	SCONJ
gujaf-64	167	60	the	the	DET
gujaf-64	167	61	r	r	NOUN
gujaf-64	167	62	2	2	NUM
gujaf-64	167	63	of	of	ADP
gujaf-64	167	64	the	the	DET
gujaf-64	167	65	model	model	NOUN
gujaf-64	167	66	is	be	AUX
gujaf-64	167	67	0.2935	0.2935	NUM
gujaf-64	167	68	which	which	PRON
gujaf-64	167	69	means	mean	VERB
gujaf-64	167	70	that	that	SCONJ
gujaf-64	167	71	29.4	29.4	NUM
gujaf-64	167	72	%	%	NOUN
gujaf-64	167	73	of	of	ADP
gujaf-64	167	74	the	the	DET
gujaf-64	167	75	total	total	ADJ
gujaf-64	167	76	variations	variation	NOUN
gujaf-64	167	77	in	in	ADP
gujaf-64	167	78	asset	asset	NOUN
gujaf-64	167	79	quality	quality	NOUN
gujaf-64	167	80	of	of	ADP
gujaf-64	167	81	the	the	DET
gujaf-64	167	82	listed	list	VERB
gujaf-64	167	83	dmbs	dmb	NOUN
gujaf-64	167	84	in	in	ADP
gujaf-64	167	85	nigeria	nigeria	PROPN
gujaf-64	167	86	is	be	AUX
gujaf-64	167	87	as	as	ADP
gujaf-64	167	88	a	a	DET
gujaf-64	167	89	result	result	NOUN
gujaf-64	167	90	of	of	ADP
gujaf-64	167	91	the	the	DET
gujaf-64	167	92	bank	bank	NOUN
gujaf-64	167	93	-	-	PUNCT
gujaf-64	167	94	specific	specific	ADJ
gujaf-64	167	95	factors	factor	NOUN
gujaf-64	167	96	.	.	PUNCT
gujaf-64	168	1	also	also	ADV
gujaf-64	168	2	,	,	PUNCT
gujaf-64	168	3	the	the	DET
gujaf-64	168	4	wald	wald	PROPN
gujaf-64	168	5	chi2	chi2	NOUN
gujaf-64	168	6	of	of	ADP
gujaf-64	168	7	37.01	37.01	NUM
gujaf-64	168	8	is	be	AUX
gujaf-64	168	9	significant	significant	ADJ
gujaf-64	168	10	at	at	ADP
gujaf-64	168	11	1	1	NUM
gujaf-64	168	12	%	%	NOUN
gujaf-64	168	13	indicating	indicate	VERB
gujaf-64	168	14	that	that	SCONJ
gujaf-64	168	15	the	the	DET
gujaf-64	168	16	model	model	NOUN
gujaf-64	168	17	of	of	ADP
gujaf-64	168	18	the	the	DET
gujaf-64	168	19	study	study	NOUN
gujaf-64	168	20	is	be	AUX
gujaf-64	168	21	well	well	ADV
gujaf-64	168	22	fitted	fit	VERB
gujaf-64	168	23	.	.	PUNCT
gujaf-64	169	1	from	from	ADP
gujaf-64	169	2	the	the	DET
gujaf-64	169	3	table	table	NOUN
gujaf-64	169	4	it	it	PRON
gujaf-64	169	5	can	can	AUX
gujaf-64	169	6	be	be	AUX
gujaf-64	169	7	seen	see	VERB
gujaf-64	169	8	that	that	SCONJ
gujaf-64	169	9	return	return	NOUN
gujaf-64	169	10	on	on	ADP
gujaf-64	169	11	assets	asset	NOUN
gujaf-64	169	12	has	have	VERB
gujaf-64	169	13	a	a	DET
gujaf-64	169	14	negative	negative	ADJ
gujaf-64	169	15	coefficient	coefficient	NOUN
gujaf-64	169	16	value	value	NOUN
gujaf-64	169	17	of	of	ADP
gujaf-64	169	18	-1.304	-1.304	PROPN
gujaf-64	169	19	and	and	CCONJ
gujaf-64	169	20	p	p	NOUN
gujaf-64	169	21	-	-	PUNCT
gujaf-64	169	22	value	value	NOUN
gujaf-64	169	23	of	of	ADP
gujaf-64	169	24	0.010	0.010	NUM
gujaf-64	169	25	which	which	PRON
gujaf-64	169	26	is	be	AUX
gujaf-64	169	27	significant	significant	ADJ
gujaf-64	169	28	at	at	ADP
gujaf-64	169	29	5	5	NUM
gujaf-64	169	30	%	%	NOUN
gujaf-64	169	31	.	.	PUNCT
gujaf-64	170	1	this	this	PRON
gujaf-64	170	2	signifies	signify	VERB
gujaf-64	170	3	that	that	SCONJ
gujaf-64	170	4	a	a	DET
gujaf-64	170	5	percentage	percentage	NOUN
gujaf-64	170	6	increase	increase	NOUN
gujaf-64	170	7	in	in	ADP
gujaf-64	170	8	roa	roa	PROPN
gujaf-64	170	9	will	will	AUX
gujaf-64	170	10	lead	lead	VERB
gujaf-64	170	11	to	to	ADP
gujaf-64	170	12	a	a	DET
gujaf-64	170	13	corresponding	corresponding	ADJ
gujaf-64	170	14	decrease	decrease	NOUN
gujaf-64	170	15	in	in	ADP
gujaf-64	170	16	asq	asq	PROPN
gujaf-64	170	17	of	of	ADP
gujaf-64	170	18	listed	list	VERB
gujaf-64	170	19	dmbs	dmb	NOUN
gujaf-64	170	20	in	in	ADP
gujaf-64	170	21	nigeria	nigeria	PROPN
gujaf-64	170	22	by	by	ADP
gujaf-64	170	23	1.304	1.304	NUM
gujaf-64	170	24	%	%	NOUN
gujaf-64	170	25	.	.	PUNCT
gujaf-64	171	1	the	the	DET
gujaf-64	171	2	implication	implication	NOUN
gujaf-64	171	3	of	of	ADP
gujaf-64	171	4	this	this	PRON
gujaf-64	171	5	,	,	PUNCT
gujaf-64	171	6	is	be	AUX
gujaf-64	171	7	that	that	SCONJ
gujaf-64	171	8	there	there	PRON
gujaf-64	171	9	is	be	VERB
gujaf-64	171	10	a	a	DET
gujaf-64	171	11	negative	negative	ADJ
gujaf-64	171	12	effect	effect	NOUN
gujaf-64	171	13	between	between	ADP
gujaf-64	171	14	roa	roa	NOUN
gujaf-64	171	15	and	and	CCONJ
gujaf-64	171	16	asq	asq	PROPN
gujaf-64	171	17	of	of	ADP
gujaf-64	171	18	listed	list	VERB
gujaf-64	171	19	dmbs	dmb	NOUN
gujaf-64	171	20	in	in	ADP
gujaf-64	171	21	nigeria	nigeria	PROPN
gujaf-64	171	22	which	which	PRON
gujaf-64	171	23	means	mean	VERB
gujaf-64	171	24	that	that	SCONJ
gujaf-64	171	25	banks	bank	NOUN
gujaf-64	171	26	with	with	ADP
gujaf-64	171	27	higher	high	ADJ
gujaf-64	171	28	profitability	profitability	NOUN
gujaf-64	171	29	are	be	AUX
gujaf-64	171	30	proven	prove	VERB
gujaf-64	171	31	to	to	PART
gujaf-64	171	32	have	have	VERB
gujaf-64	171	33	lower	low	ADJ
gujaf-64	171	34	npas	npa	NOUN
gujaf-64	171	35	.	.	PUNCT
gujaf-64	172	1	this	this	PRON
gujaf-64	172	2	may	may	AUX
gujaf-64	172	3	be	be	AUX
gujaf-64	172	4	because	because	SCONJ
gujaf-64	172	5	they	they	PRON
gujaf-64	172	6	can	can	AUX
gujaf-64	172	7	maintain	maintain	VERB
gujaf-64	172	8	suitable	suitable	ADJ
gujaf-64	172	9	credit	credit	NOUN
gujaf-64	172	10	administration	administration	NOUN
gujaf-64	172	11	practices	practice	NOUN
gujaf-64	172	12	.	.	PUNCT
gujaf-64	173	1	on	on	ADP
gujaf-64	173	2	this	this	DET
gujaf-64	173	3	basis	basis	NOUN
gujaf-64	173	4	,	,	PUNCT
gujaf-64	173	5	the	the	DET
gujaf-64	173	6	study	study	NOUN
gujaf-64	173	7	,	,	PUNCT
gujaf-64	173	8	therefore	therefore	ADV
gujaf-64	173	9	,	,	PUNCT
gujaf-64	173	10	rejects	reject	VERB
gujaf-64	173	11	the	the	DET
gujaf-64	173	12	null	null	ADJ
gujaf-64	173	13	hypothesis	hypothesis	NOUN
gujaf-64	173	14	of	of	ADP
gujaf-64	173	15	the	the	DET
gujaf-64	173	16	study	study	NOUN
gujaf-64	173	17	which	which	PRON
gujaf-64	173	18	states	state	VERB
gujaf-64	173	19	that	that	PRON
gujaf-64	173	20	return	return	VERB
gujaf-64	173	21	on	on	ADP
gujaf-64	173	22	assets	asset	NOUN
gujaf-64	173	23	does	do	AUX
gujaf-64	173	24	not	not	PART
gujaf-64	173	25	have	have	VERB
gujaf-64	173	26	significantly	significantly	ADV
gujaf-64	173	27	effect	effect	VERB
gujaf-64	173	28	on	on	ADP
gujaf-64	173	29	the	the	DET
gujaf-64	173	30	asset	asset	NOUN
gujaf-64	173	31	quality	quality	NOUN
gujaf-64	173	32	of	of	ADP
gujaf-64	173	33	listed	list	VERB
gujaf-64	173	34	deposit	deposit	NOUN
gujaf-64	173	35	money	money	NOUN
gujaf-64	173	36	banks	bank	NOUN
gujaf-64	173	37	in	in	ADP
gujaf-64	173	38	nigeria	nigeria	PROPN
gujaf-64	173	39	.	.	PUNCT
gujaf-64	174	1	this	this	PRON
gujaf-64	174	2	is	be	AUX
gujaf-64	174	3	in	in	ADP
gujaf-64	174	4	line	line	NOUN
gujaf-64	174	5	with	with	ADP
gujaf-64	174	6	the	the	DET
gujaf-64	174	7	findings	finding	NOUN
gujaf-64	174	8	of	of	ADP
gujaf-64	174	9	bayar	bayar	PROPN
gujaf-64	174	10	(	(	PUNCT
gujaf-64	174	11	2019	2019	NUM
gujaf-64	174	12	)	)	PUNCT
gujaf-64	174	13	,	,	PUNCT
gujaf-64	174	14	kadioglu	kadioglu	PROPN
gujaf-64	174	15	et	et	PROPN
gujaf-64	174	16	al	al	PROPN
gujaf-64	174	17	.	.	PROPN
gujaf-64	175	1	(	(	PUNCT
gujaf-64	175	2	2017	2017	NUM
gujaf-64	175	3	)	)	PUNCT
gujaf-64	175	4	;	;	PUNCT
gujaf-64	175	5	laxmi	laxmi	NOUN
gujaf-64	175	6	et	et	PROPN
gujaf-64	175	7	al	al	PROPN
gujaf-64	175	8	.	.	PROPN
gujaf-64	176	1	(	(	PUNCT
gujaf-64	176	2	2017	2017	NUM
gujaf-64	176	3	)	)	PUNCT
gujaf-64	176	4	;	;	PUNCT
gujaf-64	176	5	peric	peric	PROPN
gujaf-64	176	6	&	&	CCONJ
gujaf-64	176	7	konjusak	konjusak	PROPN
gujaf-64	176	8	,	,	PUNCT
gujaf-64	176	9	(	(	PUNCT
gujaf-64	176	10	2017	2017	NUM
gujaf-64	176	11	)	)	PUNCT
gujaf-64	176	12	and	and	CCONJ
gujaf-64	176	13	godallawaththa	godallawaththa	NOUN
gujaf-64	176	14	&	&	CCONJ
gujaf-64	176	15	ekanayake	ekanayake	PROPN
gujaf-64	176	16	(	(	PUNCT
gujaf-64	176	17	2015	2015	NUM
gujaf-64	176	18	)	)	PUNCT
gujaf-64	176	19	,	,	PUNCT
gujaf-64	176	20	but	but	CCONJ
gujaf-64	176	21	is	be	AUX
gujaf-64	176	22	in	in	ADP
gujaf-64	176	23	contrast	contrast	NOUN
gujaf-64	176	24	with	with	ADP
gujaf-64	176	25	the	the	DET
gujaf-64	176	26	findings	finding	NOUN
gujaf-64	176	27	of	of	ADP
gujaf-64	176	28	timothy	timothy	PROPN
gujaf-64	176	29	(	(	PUNCT
gujaf-64	176	30	2018	2018	NUM
gujaf-64	176	31	)	)	PUNCT
gujaf-64	176	32	.	.	PUNCT
gujaf-64	177	1	also	also	ADV
gujaf-64	177	2	,	,	PUNCT
gujaf-64	177	3	from	from	ADP
gujaf-64	177	4	the	the	DET
gujaf-64	177	5	results	result	NOUN
gujaf-64	177	6	,	,	PUNCT
gujaf-64	177	7	interest	interest	NOUN
gujaf-64	177	8	income	income	NOUN
gujaf-64	177	9	spread	spread	NOUN
gujaf-64	177	10	(	(	PUNCT
gujaf-64	177	11	intincs	intinc	NOUN
gujaf-64	177	12	)	)	PUNCT
gujaf-64	177	13	has	have	VERB
gujaf-64	177	14	a	a	DET
gujaf-64	177	15	coefficient	coefficient	NOUN
gujaf-64	177	16	value	value	NOUN
gujaf-64	177	17	of	of	ADP
gujaf-64	177	18	0.261	0.261	NUM
gujaf-64	177	19	and	and	CCONJ
gujaf-64	177	20	pvalue	pvalue	NOUN
gujaf-64	177	21	of	of	ADP
gujaf-64	177	22	0.000	0.000	NUM
gujaf-64	177	23	which	which	PRON
gujaf-64	177	24	is	be	AUX
gujaf-64	177	25	significant	significant	ADJ
gujaf-64	177	26	at	at	ADP
gujaf-64	177	27	1	1	NUM
gujaf-64	177	28	%	%	NOUN
gujaf-64	177	29	.	.	PUNCT
gujaf-64	178	1	the	the	DET
gujaf-64	178	2	implication	implication	NOUN
gujaf-64	178	3	is	be	AUX
gujaf-64	178	4	that	that	SCONJ
gujaf-64	178	5	intincs	intincs	VERB
gujaf-64	178	6	positive	positive	ADJ
gujaf-64	178	7	effect	effect	NOUN
gujaf-64	178	8	on	on	ADP
gujaf-64	178	9	asq	asq	PROPN
gujaf-64	178	10	of	of	ADP
gujaf-64	178	11	listed	list	VERB
gujaf-64	178	12	dmbs	dmb	NOUN
gujaf-64	178	13	in	in	ADP
gujaf-64	178	14	nigeria	nigeria	PROPN
gujaf-64	178	15	which	which	PRON
gujaf-64	178	16	means	mean	VERB
gujaf-64	178	17	that	that	SCONJ
gujaf-64	178	18	a	a	DET
gujaf-64	178	19	percentage	percentage	NOUN
gujaf-64	178	20	increase	increase	NOUN
gujaf-64	178	21	in	in	ADP
gujaf-64	178	22	intincs	intinc	NOUN
gujaf-64	178	23	will	will	AUX
gujaf-64	178	24	bring	bring	VERB
gujaf-64	178	25	about	about	ADP
gujaf-64	178	26	corresponding	corresponding	ADJ
gujaf-64	178	27	increase	increase	NOUN
gujaf-64	178	28	in	in	ADP
gujaf-64	178	29	asq	asq	PROPN
gujaf-64	178	30	of	of	ADP
gujaf-64	178	31	listed	list	VERB
gujaf-64	178	32	deposit	deposit	NOUN
gujaf-64	178	33	money	money	NOUN
gujaf-64	178	34	banks	bank	NOUN
gujaf-64	178	35	in	in	ADP
gujaf-64	178	36	nigeria	nigeria	PROPN
gujaf-64	178	37	by	by	ADP
gujaf-64	178	38	0.261	0.261	NUM
gujaf-64	178	39	%	%	NOUN
gujaf-64	178	40	.	.	PUNCT
gujaf-64	179	1	the	the	DET
gujaf-64	179	2	gusau	gusau	ADJ
gujaf-64	179	3	journal	journal	NOUN
gujaf-64	179	4	of	of	ADP
gujaf-64	179	5	accounting	accounting	NOUN
gujaf-64	179	6	and	and	CCONJ
gujaf-64	179	7	finance	finance	NOUN
gujaf-64	179	8	,	,	PUNCT
gujaf-64	179	9	vol	vol	NOUN
gujaf-64	179	10	.	.	PROPN
gujaf-64	179	11	2	2	NUM
gujaf-64	179	12	,	,	PUNCT
gujaf-64	179	13	issue	issue	NOUN
gujaf-64	179	14	2	2	NUM
gujaf-64	179	15	,	,	PUNCT
gujaf-64	179	16	april	april	PROPN
gujaf-64	179	17	,	,	PUNCT
gujaf-64	179	18	2021	2021	NUM
gujaf-64	179	19	10	10	NUM
gujaf-64	179	20	study	study	NOUN
gujaf-64	179	21	therefore	therefore	ADV
gujaf-64	179	22	,	,	PUNCT
gujaf-64	179	23	rejects	reject	VERB
gujaf-64	179	24	the	the	DET
gujaf-64	179	25	null	null	ADJ
gujaf-64	179	26	hypothesis	hypothesis	NOUN
gujaf-64	179	27	which	which	PRON
gujaf-64	179	28	states	state	VERB
gujaf-64	179	29	that	that	SCONJ
gujaf-64	179	30	interest	interest	NOUN
gujaf-64	179	31	income	income	NOUN
gujaf-64	179	32	spread	spread	NOUN
gujaf-64	179	33	does	do	AUX
gujaf-64	179	34	not	not	PART
gujaf-64	179	35	significantly	significantly	ADV
gujaf-64	179	36	affect	affect	VERB
gujaf-64	179	37	asset	asset	NOUN
gujaf-64	179	38	quality	quality	NOUN
gujaf-64	179	39	and	and	CCONJ
gujaf-64	179	40	accepts	accept	VERB
gujaf-64	179	41	the	the	DET
gujaf-64	179	42	alternate	alternate	ADJ
gujaf-64	179	43	hypothesis	hypothesis	NOUN
gujaf-64	179	44	,	,	PUNCT
gujaf-64	179	45	which	which	PRON
gujaf-64	179	46	states	state	VERB
gujaf-64	179	47	that	that	SCONJ
gujaf-64	179	48	interest	interest	NOUN
gujaf-64	179	49	income	income	NOUN
gujaf-64	179	50	spread	spread	NOUN
gujaf-64	179	51	has	have	VERB
gujaf-64	179	52	a	a	DET
gujaf-64	179	53	significant	significant	ADJ
gujaf-64	179	54	effect	effect	NOUN
gujaf-64	179	55	on	on	ADP
gujaf-64	179	56	the	the	DET
gujaf-64	179	57	asset	asset	NOUN
gujaf-64	179	58	quality	quality	NOUN
gujaf-64	179	59	of	of	ADP
gujaf-64	179	60	listed	list	VERB
gujaf-64	179	61	deposit	deposit	NOUN
gujaf-64	179	62	money	money	NOUN
gujaf-64	179	63	banks	bank	NOUN
gujaf-64	179	64	in	in	ADP
gujaf-64	179	65	nigeria	nigeria	PROPN
gujaf-64	179	66	.	.	PUNCT
gujaf-64	180	1	the	the	DET
gujaf-64	180	2	findings	finding	NOUN
gujaf-64	180	3	are	be	AUX
gujaf-64	180	4	in	in	ADP
gujaf-64	180	5	line	line	NOUN
gujaf-64	180	6	with	with	ADP
gujaf-64	180	7	that	that	PRON
gujaf-64	180	8	of	of	ADP
gujaf-64	180	9	laxmi	laxmi	NOUN
gujaf-64	180	10	et	et	PROPN
gujaf-64	180	11	al	al	PROPN
gujaf-64	180	12	.	.	PROPN
gujaf-64	180	13	,	,	PUNCT
gujaf-64	180	14	(	(	PUNCT
gujaf-64	180	15	2017	2017	NUM
gujaf-64	180	16	)	)	PUNCT
gujaf-64	180	17	sheefeni	sheefeni	NOUN
gujaf-64	180	18	(	(	PUNCT
gujaf-64	180	19	2016	2016	NUM
gujaf-64	180	20	)	)	PUNCT
gujaf-64	180	21	and	and	CCONJ
gujaf-64	180	22	kamunge	kamunge	PROPN
gujaf-64	180	23	(	(	PUNCT
gujaf-64	180	24	2013	2013	NUM
gujaf-64	180	25	)	)	PUNCT
gujaf-64	180	26	.	.	PUNCT
gujaf-64	181	1	meanwhile	meanwhile	ADV
gujaf-64	181	2	,	,	PUNCT
gujaf-64	181	3	this	this	DET
gujaf-64	181	4	result	result	NOUN
gujaf-64	181	5	is	be	AUX
gujaf-64	181	6	in	in	ADP
gujaf-64	181	7	contrast	contrast	NOUN
gujaf-64	181	8	with	with	ADP
gujaf-64	181	9	the	the	DET
gujaf-64	181	10	findings	finding	NOUN
gujaf-64	181	11	of	of	ADP
gujaf-64	181	12	mondal	mondal	PROPN
gujaf-64	181	13	,	,	PUNCT
gujaf-64	181	14	(	(	PUNCT
gujaf-64	181	15	2016	2016	NUM
gujaf-64	181	16	)	)	PUNCT
gujaf-64	181	17	and	and	CCONJ
gujaf-64	181	18	chege	chege	NOUN
gujaf-64	181	19	,	,	PUNCT
gujaf-64	181	20	(	(	PUNCT
gujaf-64	181	21	2014	2014	NUM
gujaf-64	181	22	)	)	PUNCT
gujaf-64	181	23	.	.	PUNCT
gujaf-64	182	1	the	the	DET
gujaf-64	182	2	finding	finding	NOUN
gujaf-64	182	3	that	that	SCONJ
gujaf-64	182	4	interest	interest	NOUN
gujaf-64	182	5	income	income	NOUN
gujaf-64	182	6	spread	spread	NOUN
gujaf-64	182	7	affects	affect	VERB
gujaf-64	182	8	the	the	DET
gujaf-64	182	9	non	non	ADJ
gujaf-64	182	10	-	-	ADJ
gujaf-64	182	11	performing	perform	VERB
gujaf-64	182	12	assets	asset	NOUN
gujaf-64	182	13	of	of	ADP
gujaf-64	182	14	banks	bank	NOUN
gujaf-64	182	15	in	in	ADP
gujaf-64	182	16	nigeria	nigeria	PROPN
gujaf-64	182	17	may	may	AUX
gujaf-64	182	18	be	be	AUX
gujaf-64	182	19	attributable	attributable	ADJ
gujaf-64	182	20	to	to	ADP
gujaf-64	182	21	the	the	DET
gujaf-64	182	22	cost	cost	NOUN
gujaf-64	182	23	of	of	ADP
gujaf-64	182	24	loans	loan	NOUN
gujaf-64	182	25	charged	charge	VERB
gujaf-64	182	26	on	on	ADP
gujaf-64	182	27	the	the	DET
gujaf-64	182	28	borrowers	borrower	NOUN
gujaf-64	182	29	.	.	PUNCT
gujaf-64	183	1	furthermore	furthermore	ADV
gujaf-64	183	2	,	,	PUNCT
gujaf-64	183	3	the	the	DET
gujaf-64	183	4	results	result	NOUN
gujaf-64	183	5	show	show	VERB
gujaf-64	183	6	that	that	SCONJ
gujaf-64	183	7	income	income	NOUN
gujaf-64	183	8	diversity	diversity	NOUN
gujaf-64	183	9	(	(	PUNCT
gujaf-64	183	10	incdiv	incdiv	X
gujaf-64	183	11	)	)	PUNCT
gujaf-64	183	12	has	have	VERB
gujaf-64	183	13	a	a	DET
gujaf-64	183	14	coefficient	coefficient	NOUN
gujaf-64	183	15	value	value	NOUN
gujaf-64	183	16	of	of	ADP
gujaf-64	183	17	0.171	0.171	NUM
gujaf-64	183	18	and	and	CCONJ
gujaf-64	183	19	p	p	NOUN
gujaf-64	183	20	-	-	PUNCT
gujaf-64	183	21	value	value	NOUN
gujaf-64	183	22	of	of	ADP
gujaf-64	183	23	0.036	0.036	NUM
gujaf-64	183	24	which	which	PRON
gujaf-64	183	25	is	be	AUX
gujaf-64	183	26	significant	significant	ADJ
gujaf-64	183	27	at	at	ADP
gujaf-64	183	28	5	5	NUM
gujaf-64	183	29	%	%	NOUN
gujaf-64	183	30	.	.	PUNCT
gujaf-64	184	1	the	the	DET
gujaf-64	184	2	implication	implication	NOUN
gujaf-64	184	3	is	be	AUX
gujaf-64	184	4	that	that	SCONJ
gujaf-64	184	5	there	there	PRON
gujaf-64	184	6	is	be	VERB
gujaf-64	184	7	a	a	DET
gujaf-64	184	8	positive	positive	ADJ
gujaf-64	184	9	effect	effect	NOUN
gujaf-64	184	10	between	between	ADP
gujaf-64	184	11	incdiv	incdiv	PROPN
gujaf-64	184	12	and	and	CCONJ
gujaf-64	184	13	asq	asq	PROPN
gujaf-64	184	14	of	of	ADP
gujaf-64	184	15	listed	list	VERB
gujaf-64	184	16	deposit	deposit	NOUN
gujaf-64	184	17	money	money	NOUN
gujaf-64	184	18	banks	bank	NOUN
gujaf-64	184	19	in	in	ADP
gujaf-64	184	20	nigeria	nigeria	PROPN
gujaf-64	184	21	which	which	PRON
gujaf-64	184	22	means	mean	VERB
gujaf-64	184	23	that	that	SCONJ
gujaf-64	184	24	a	a	DET
gujaf-64	184	25	percentage	percentage	NOUN
gujaf-64	184	26	increase	increase	NOUN
gujaf-64	184	27	in	in	ADP
gujaf-64	184	28	incdiv	incdiv	NOUN
gujaf-64	184	29	will	will	AUX
gujaf-64	184	30	lead	lead	VERB
gujaf-64	184	31	to	to	ADP
gujaf-64	184	32	a	a	DET
gujaf-64	184	33	corresponding	corresponding	ADJ
gujaf-64	184	34	increase	increase	NOUN
gujaf-64	184	35	in	in	ADP
gujaf-64	184	36	asq	asq	PROPN
gujaf-64	184	37	of	of	ADP
gujaf-64	184	38	listed	list	VERB
gujaf-64	184	39	deposit	deposit	NOUN
gujaf-64	184	40	money	money	NOUN
gujaf-64	184	41	banks	bank	NOUN
gujaf-64	184	42	in	in	ADP
gujaf-64	184	43	nigeria	nigeria	PROPN
gujaf-64	184	44	by	by	ADP
gujaf-64	184	45	0.171	0.171	NUM
gujaf-64	184	46	%	%	NOUN
gujaf-64	184	47	.	.	PUNCT
gujaf-64	185	1	on	on	ADP
gujaf-64	185	2	this	this	DET
gujaf-64	185	3	basis	basis	NOUN
gujaf-64	185	4	,	,	PUNCT
gujaf-64	185	5	the	the	DET
gujaf-64	185	6	study	study	NOUN
gujaf-64	185	7	,	,	PUNCT
gujaf-64	185	8	rejects	reject	VERB
gujaf-64	185	9	the	the	DET
gujaf-64	185	10	third	third	ADJ
gujaf-64	185	11	hypothesis	hypothesis	NOUN
gujaf-64	185	12	of	of	ADP
gujaf-64	185	13	the	the	DET
gujaf-64	185	14	study	study	NOUN
gujaf-64	185	15	which	which	PRON
gujaf-64	185	16	states	state	VERB
gujaf-64	185	17	that	that	SCONJ
gujaf-64	185	18	income	income	NOUN
gujaf-64	185	19	diversity	diversity	NOUN
gujaf-64	185	20	does	do	AUX
gujaf-64	185	21	not	not	PART
gujaf-64	185	22	have	have	VERB
gujaf-64	185	23	a	a	DET
gujaf-64	185	24	significant	significant	ADJ
gujaf-64	185	25	effect	effect	NOUN
gujaf-64	185	26	on	on	ADP
gujaf-64	185	27	the	the	DET
gujaf-64	185	28	asset	asset	NOUN
gujaf-64	185	29	quality	quality	NOUN
gujaf-64	185	30	of	of	ADP
gujaf-64	185	31	listed	list	VERB
gujaf-64	185	32	dmbs	dmb	NOUN
gujaf-64	185	33	in	in	ADP
gujaf-64	185	34	nigeria	nigeria	PROPN
gujaf-64	185	35	.	.	PUNCT
gujaf-64	186	1	this	this	PRON
gujaf-64	186	2	is	be	AUX
gujaf-64	186	3	in	in	ADP
gujaf-64	186	4	line	line	NOUN
gujaf-64	186	5	with	with	ADP
gujaf-64	186	6	the	the	DET
gujaf-64	186	7	findings	finding	NOUN
gujaf-64	186	8	of	of	ADP
gujaf-64	186	9	chaiporn	chaiporn	ADJ
gujaf-64	186	10	,	,	PUNCT
gujaf-64	186	11	(	(	PUNCT
gujaf-64	186	12	2016	2016	NUM
gujaf-64	186	13	)	)	PUNCT
gujaf-64	186	14	,	,	PUNCT
gujaf-64	186	15	but	but	CCONJ
gujaf-64	186	16	in	in	ADP
gujaf-64	186	17	contrast	contrast	NOUN
gujaf-64	186	18	with	with	ADP
gujaf-64	186	19	the	the	DET
gujaf-64	186	20	findings	finding	NOUN
gujaf-64	186	21	of	of	ADP
gujaf-64	186	22	bayar	bayar	PROPN
gujaf-64	186	23	,	,	PUNCT
gujaf-64	186	24	(	(	PUNCT
gujaf-64	186	25	2019	2019	NUM
gujaf-64	186	26	)	)	PUNCT
gujaf-64	186	27	and	and	CCONJ
gujaf-64	186	28	jena	jena	PROPN
gujaf-64	186	29	et	et	PROPN
gujaf-64	186	30	al	al	PROPN
gujaf-64	186	31	.	.	PROPN
gujaf-64	186	32	,	,	PUNCT
gujaf-64	186	33	(	(	PUNCT
gujaf-64	186	34	2017	2017	NUM
gujaf-64	186	35	)	)	PUNCT
gujaf-64	186	36	who	who	PRON
gujaf-64	186	37	found	find	VERB
gujaf-64	186	38	a	a	DET
gujaf-64	186	39	significant	significant	ADJ
gujaf-64	186	40	but	but	CCONJ
gujaf-64	186	41	negative	negative	ADJ
gujaf-64	186	42	effect	effect	NOUN
gujaf-64	186	43	between	between	ADP
gujaf-64	186	44	incdiv	incdiv	PROPN
gujaf-64	186	45	and	and	CCONJ
gujaf-64	186	46	asq	asq	PROPN
gujaf-64	186	47	.	.	PUNCT
gujaf-64	187	1	finally	finally	ADV
gujaf-64	187	2	,	,	PUNCT
gujaf-64	187	3	the	the	DET
gujaf-64	187	4	results	result	NOUN
gujaf-64	187	5	show	show	VERB
gujaf-64	187	6	that	that	SCONJ
gujaf-64	187	7	,	,	PUNCT
gujaf-64	187	8	the	the	DET
gujaf-64	187	9	coefficient	coefficient	NOUN
gujaf-64	187	10	of	of	ADP
gujaf-64	187	11	credit	credit	NOUN
gujaf-64	187	12	growth	growth	NOUN
gujaf-64	187	13	rate	rate	NOUN
gujaf-64	187	14	(	(	PUNCT
gujaf-64	187	15	cgr	cgr	PROPN
gujaf-64	187	16	)	)	PUNCT
gujaf-64	187	17	has	have	VERB
gujaf-64	187	18	a	a	DET
gujaf-64	187	19	value	value	NOUN
gujaf-64	187	20	of	of	ADP
gujaf-64	187	21	0.019	0.019	NUM
gujaf-64	187	22	and	and	CCONJ
gujaf-64	187	23	p	p	NOUN
gujaf-64	187	24	-	-	PUNCT
gujaf-64	187	25	value	value	NOUN
gujaf-64	187	26	of	of	ADP
gujaf-64	187	27	0.117	0.117	NUM
gujaf-64	187	28	which	which	PRON
gujaf-64	187	29	is	be	AUX
gujaf-64	187	30	not	not	PART
gujaf-64	187	31	significant	significant	ADJ
gujaf-64	187	32	at	at	ADP
gujaf-64	187	33	all	all	DET
gujaf-64	187	34	levels	level	NOUN
gujaf-64	187	35	of	of	ADP
gujaf-64	187	36	acceptance	acceptance	NOUN
gujaf-64	187	37	.	.	PUNCT
gujaf-64	188	1	while	while	SCONJ
gujaf-64	188	2	the	the	DET
gujaf-64	188	3	coefficient	coefficient	NOUN
gujaf-64	188	4	implies	imply	VERB
gujaf-64	188	5	that	that	SCONJ
gujaf-64	188	6	cgr	cgr	PROPN
gujaf-64	188	7	has	have	VERB
gujaf-64	188	8	a	a	DET
gujaf-64	188	9	positive	positive	ADJ
gujaf-64	188	10	effect	effect	NOUN
gujaf-64	188	11	on	on	ADP
gujaf-64	188	12	asq	asq	PROPN
gujaf-64	188	13	of	of	ADP
gujaf-64	188	14	listed	list	VERB
gujaf-64	188	15	dmbs	dmb	NOUN
gujaf-64	188	16	in	in	ADP
gujaf-64	188	17	nigeria	nigeria	PROPN
gujaf-64	188	18	which	which	PRON
gujaf-64	188	19	signifies	signify	VERB
gujaf-64	188	20	that	that	SCONJ
gujaf-64	188	21	a	a	DET
gujaf-64	188	22	percentage	percentage	NOUN
gujaf-64	188	23	increase	increase	NOUN
gujaf-64	188	24	in	in	ADP
gujaf-64	188	25	cgr	cgr	PROPN
gujaf-64	188	26	will	will	AUX
gujaf-64	188	27	have	have	VERB
gujaf-64	188	28	a	a	DET
gujaf-64	188	29	corresponding	corresponding	ADJ
gujaf-64	188	30	effect	effect	NOUN
gujaf-64	188	31	of	of	ADP
gujaf-64	188	32	0.018753	0.018753	NUM
gujaf-64	188	33	%	%	NOUN
gujaf-64	188	34	on	on	ADP
gujaf-64	188	35	the	the	DET
gujaf-64	188	36	asq	asq	PROPN
gujaf-64	188	37	of	of	ADP
gujaf-64	188	38	listed	list	VERB
gujaf-64	188	39	dmbs	dmb	NOUN
gujaf-64	188	40	in	in	ADP
gujaf-64	188	41	nigeria	nigeria	PROPN
gujaf-64	188	42	,	,	PUNCT
gujaf-64	188	43	the	the	DET
gujaf-64	188	44	fact	fact	NOUN
gujaf-64	188	45	that	that	SCONJ
gujaf-64	188	46	this	this	PRON
gujaf-64	188	47	is	be	AUX
gujaf-64	188	48	statistically	statistically	ADV
gujaf-64	188	49	not	not	PART
gujaf-64	188	50	significant	significant	ADJ
gujaf-64	188	51	,	,	PUNCT
gujaf-64	188	52	means	mean	VERB
gujaf-64	188	53	that	that	SCONJ
gujaf-64	188	54	we	we	PRON
gujaf-64	188	55	failed	fail	VERB
gujaf-64	188	56	to	to	PART
gujaf-64	188	57	reject	reject	VERB
gujaf-64	188	58	the	the	DET
gujaf-64	188	59	null	null	ADJ
gujaf-64	188	60	hypothesis	hypothesis	NOUN
gujaf-64	188	61	of	of	ADP
gujaf-64	188	62	the	the	DET
gujaf-64	188	63	study	study	NOUN
gujaf-64	188	64	which	which	PRON
gujaf-64	188	65	states	state	VERB
gujaf-64	188	66	that	that	SCONJ
gujaf-64	188	67	credit	credit	NOUN
gujaf-64	188	68	growth	growth	NOUN
gujaf-64	188	69	rate	rate	NOUN
gujaf-64	188	70	does	do	AUX
gujaf-64	188	71	not	not	PART
gujaf-64	188	72	have	have	VERB
gujaf-64	188	73	a	a	DET
gujaf-64	188	74	significant	significant	ADJ
gujaf-64	188	75	effect	effect	NOUN
gujaf-64	188	76	on	on	ADP
gujaf-64	188	77	the	the	DET
gujaf-64	188	78	asset	asset	NOUN
gujaf-64	188	79	quality	quality	NOUN
gujaf-64	188	80	of	of	ADP
gujaf-64	188	81	listed	list	VERB
gujaf-64	188	82	deposit	deposit	NOUN
gujaf-64	188	83	money	money	NOUN
gujaf-64	188	84	banks	bank	NOUN
gujaf-64	188	85	in	in	ADP
gujaf-64	188	86	nigeria	nigeria	PROPN
gujaf-64	188	87	.	.	PUNCT
gujaf-64	189	1	this	this	DET
gujaf-64	189	2	finding	finding	NOUN
gujaf-64	189	3	is	be	AUX
gujaf-64	189	4	however	however	ADV
gujaf-64	189	5	in	in	ADP
gujaf-64	189	6	line	line	NOUN
gujaf-64	189	7	with	with	ADP
gujaf-64	189	8	that	that	PRON
gujaf-64	189	9	of	of	ADP
gujaf-64	189	10	chaiporn	chaiporn	ADJ
gujaf-64	189	11	(	(	PUNCT
gujaf-64	189	12	2016	2016	NUM
gujaf-64	189	13	)	)	PUNCT
gujaf-64	189	14	,	,	PUNCT
gujaf-64	189	15	who	who	PRON
gujaf-64	189	16	found	find	VERB
gujaf-64	189	17	positive	positive	ADJ
gujaf-64	189	18	but	but	CCONJ
gujaf-64	189	19	statistically	statistically	ADV
gujaf-64	189	20	insignificant	insignificant	ADJ
gujaf-64	189	21	of	of	ADP
gujaf-64	189	22	cgr	cgr	PROPN
gujaf-64	189	23	on	on	ADP
gujaf-64	189	24	non	non	ADJ
gujaf-64	189	25	-	-	ADJ
gujaf-64	189	26	performing	perform	VERB
gujaf-64	189	27	asset	asset	NOUN
gujaf-64	189	28	after	after	ADP
gujaf-64	189	29	the	the	DET
gujaf-64	189	30	onset	onset	NOUN
gujaf-64	189	31	of	of	ADP
gujaf-64	189	32	the	the	DET
gujaf-64	189	33	global	global	ADJ
gujaf-64	189	34	financial	financial	ADJ
gujaf-64	189	35	crisis	crisis	NOUN
gujaf-64	189	36	.	.	PUNCT
gujaf-64	190	1	this	this	PRON
gujaf-64	190	2	is	be	AUX
gujaf-64	190	3	,	,	PUNCT
gujaf-64	190	4	in	in	ADP
gujaf-64	190	5	contrast	contrast	NOUN
gujaf-64	190	6	with	with	ADP
gujaf-64	190	7	the	the	DET
gujaf-64	190	8	findings	finding	NOUN
gujaf-64	190	9	of	of	ADP
gujaf-64	190	10	rathria	rathria	PROPN
gujaf-64	190	11	et	et	PROPN
gujaf-64	190	12	al	al	PROPN
gujaf-64	190	13	.	.	PROPN
gujaf-64	190	14	,	,	PUNCT
gujaf-64	190	15	(	(	PUNCT
gujaf-64	190	16	2018	2018	NUM
gujaf-64	190	17	)	)	PUNCT
gujaf-64	190	18	and	and	CCONJ
gujaf-64	190	19	muriithi	muriithi	PROPN
gujaf-64	190	20	,	,	PUNCT
gujaf-64	190	21	(	(	PUNCT
gujaf-64	190	22	2013	2013	NUM
gujaf-64	190	23	)	)	PUNCT
gujaf-64	190	24	.	.	PUNCT
gujaf-64	191	1	5	5	X
gujaf-64	191	2	.	.	X
gujaf-64	191	3	conclusion	conclusion	NOUN
gujaf-64	191	4	and	and	CCONJ
gujaf-64	191	5	recommendations	recommendation	NOUN
gujaf-64	191	6	the	the	DET
gujaf-64	191	7	study	study	NOUN
gujaf-64	191	8	found	find	VERB
gujaf-64	191	9	evidence	evidence	NOUN
gujaf-64	191	10	that	that	PRON
gujaf-64	191	11	return	return	VERB
gujaf-64	191	12	on	on	ADP
gujaf-64	191	13	asset	asset	NOUN
gujaf-64	191	14	plays	play	VERB
gujaf-64	191	15	a	a	DET
gujaf-64	191	16	vital	vital	ADJ
gujaf-64	191	17	role	role	NOUN
gujaf-64	191	18	in	in	ADP
gujaf-64	191	19	explaining	explain	VERB
gujaf-64	191	20	changes	change	NOUN
gujaf-64	191	21	in	in	ADP
gujaf-64	191	22	asset	asset	NOUN
gujaf-64	191	23	quality	quality	NOUN
gujaf-64	191	24	of	of	ADP
gujaf-64	191	25	deposit	deposit	NOUN
gujaf-64	191	26	money	money	NOUN
gujaf-64	191	27	banks	bank	NOUN
gujaf-64	191	28	in	in	ADP
gujaf-64	191	29	nigeria	nigeria	PROPN
gujaf-64	191	30	.	.	PUNCT
gujaf-64	192	1	therefore	therefore	ADV
gujaf-64	192	2	,	,	PUNCT
gujaf-64	192	3	the	the	DET
gujaf-64	192	4	study	study	NOUN
gujaf-64	192	5	concludes	conclude	VERB
gujaf-64	192	6	that	that	SCONJ
gujaf-64	192	7	profitability	profitability	NOUN
gujaf-64	192	8	is	be	AUX
gujaf-64	192	9	a	a	DET
gujaf-64	192	10	determinant	determinant	NOUN
gujaf-64	192	11	of	of	ADP
gujaf-64	192	12	asset	asset	NOUN
gujaf-64	192	13	quality	quality	NOUN
gujaf-64	192	14	of	of	ADP
gujaf-64	192	15	listed	list	VERB
gujaf-64	192	16	dmbs	dmb	NOUN
gujaf-64	192	17	in	in	ADP
gujaf-64	192	18	nigeria	nigeria	PROPN
gujaf-64	192	19	.	.	PUNCT
gujaf-64	193	1	the	the	DET
gujaf-64	193	2	study	study	NOUN
gujaf-64	193	3	found	find	VERB
gujaf-64	193	4	evidence	evidence	NOUN
gujaf-64	193	5	that	that	SCONJ
gujaf-64	193	6	interest	interest	NOUN
gujaf-64	193	7	income	income	NOUN
gujaf-64	193	8	spread	spread	VERB
gujaf-64	193	9	is	be	AUX
gujaf-64	193	10	one	one	NUM
gujaf-64	193	11	of	of	ADP
gujaf-64	193	12	the	the	DET
gujaf-64	193	13	bank	bank	NOUN
gujaf-64	193	14	specific	specific	ADJ
gujaf-64	193	15	factors	factor	NOUN
gujaf-64	193	16	that	that	PRON
gujaf-64	193	17	has	have	VERB
gujaf-64	193	18	power	power	NOUN
gujaf-64	193	19	to	to	PART
gujaf-64	193	20	influence	influence	VERB
gujaf-64	193	21	asset	asset	NOUN
gujaf-64	193	22	quality	quality	NOUN
gujaf-64	193	23	of	of	ADP
gujaf-64	193	24	deposit	deposit	NOUN
gujaf-64	193	25	money	money	NOUN
gujaf-64	193	26	banks	bank	NOUN
gujaf-64	193	27	in	in	ADP
gujaf-64	193	28	nigeria	nigeria	PROPN
gujaf-64	193	29	.	.	PUNCT
gujaf-64	194	1	hence	hence	ADV
gujaf-64	194	2	,	,	PUNCT
gujaf-64	194	3	the	the	DET
gujaf-64	194	4	study	study	NOUN
gujaf-64	194	5	concludes	conclude	VERB
gujaf-64	194	6	that	that	SCONJ
gujaf-64	194	7	interest	interest	NOUN
gujaf-64	194	8	income	income	NOUN
gujaf-64	194	9	spread	spread	NOUN
gujaf-64	194	10	is	be	AUX
gujaf-64	194	11	a	a	DET
gujaf-64	194	12	determinant	determinant	NOUN
gujaf-64	194	13	of	of	ADP
gujaf-64	194	14	asset	asset	NOUN
gujaf-64	194	15	quality	quality	NOUN
gujaf-64	194	16	of	of	ADP
gujaf-64	194	17	listed	list	VERB
gujaf-64	194	18	deposit	deposit	NOUN
gujaf-64	194	19	money	money	NOUN
gujaf-64	194	20	banks	bank	NOUN
gujaf-64	194	21	in	in	ADP
gujaf-64	194	22	nigeria	nigeria	PROPN
gujaf-64	194	23	.	.	PUNCT
gujaf-64	195	1	the	the	DET
gujaf-64	195	2	study	study	NOUN
gujaf-64	195	3	recorded	record	VERB
gujaf-64	195	4	that	that	SCONJ
gujaf-64	195	5	income	income	NOUN
gujaf-64	195	6	diversity	diversity	NOUN
gujaf-64	195	7	is	be	AUX
gujaf-64	195	8	also	also	ADV
gujaf-64	195	9	one	one	NUM
gujaf-64	195	10	of	of	ADP
gujaf-64	195	11	the	the	DET
gujaf-64	195	12	bank	bank	NOUN
gujaf-64	195	13	specific	specific	ADJ
gujaf-64	195	14	factors	factor	NOUN
gujaf-64	195	15	that	that	PRON
gujaf-64	195	16	can	can	AUX
gujaf-64	195	17	influence	influence	VERB
gujaf-64	195	18	asset	asset	NOUN
gujaf-64	195	19	quality	quality	NOUN
gujaf-64	195	20	of	of	ADP
gujaf-64	195	21	deposit	deposit	NOUN
gujaf-64	195	22	money	money	NOUN
gujaf-64	195	23	banks	bank	NOUN
gujaf-64	195	24	in	in	ADP
gujaf-64	195	25	nigeria	nigeria	PROPN
gujaf-64	195	26	.	.	PUNCT
gujaf-64	196	1	hence	hence	ADV
gujaf-64	196	2	,	,	PUNCT
gujaf-64	196	3	the	the	DET
gujaf-64	196	4	study	study	NOUN
gujaf-64	196	5	concludes	conclude	VERB
gujaf-64	196	6	that	that	SCONJ
gujaf-64	196	7	income	income	NOUN
gujaf-64	196	8	diversity	diversity	NOUN
gujaf-64	196	9	is	be	AUX
gujaf-64	196	10	a	a	DET
gujaf-64	196	11	determinant	determinant	NOUN
gujaf-64	196	12	of	of	ADP
gujaf-64	196	13	asset	asset	NOUN
gujaf-64	196	14	quality	quality	NOUN
gujaf-64	196	15	of	of	ADP
gujaf-64	196	16	listed	list	VERB
gujaf-64	196	17	deposit	deposit	NOUN
gujaf-64	196	18	money	money	NOUN
gujaf-64	196	19	banks	bank	NOUN
gujaf-64	196	20	in	in	ADP
gujaf-64	196	21	nigeria	nigeria	PROPN
gujaf-64	196	22	.	.	PUNCT
gujaf-64	197	1	lastly	lastly	ADV
gujaf-64	197	2	,	,	PUNCT
gujaf-64	197	3	the	the	DET
gujaf-64	197	4	study	study	NOUN
gujaf-64	197	5	provided	provide	VERB
gujaf-64	197	6	documented	document	VERB
gujaf-64	197	7	evidence	evidence	NOUN
gujaf-64	197	8	that	that	SCONJ
gujaf-64	197	9	credit	credit	NOUN
gujaf-64	197	10	growth	growth	NOUN
gujaf-64	197	11	does	do	AUX
gujaf-64	197	12	not	not	PART
gujaf-64	197	13	have	have	AUX
gujaf-64	197	14	the	the	DET
gujaf-64	197	15	capacity	capacity	NOUN
gujaf-64	197	16	to	to	PART
gujaf-64	197	17	influence	influence	VERB
gujaf-64	197	18	the	the	DET
gujaf-64	197	19	asset	asset	NOUN
gujaf-64	197	20	quality	quality	NOUN
gujaf-64	197	21	of	of	ADP
gujaf-64	197	22	listed	list	VERB
gujaf-64	197	23	deposit	deposit	NOUN
gujaf-64	197	24	money	money	NOUN
gujaf-64	197	25	banks	bank	NOUN
gujaf-64	197	26	in	in	ADP
gujaf-64	197	27	nigeria	nigeria	PROPN
gujaf-64	197	28	.	.	PUNCT
gujaf-64	198	1	therefore	therefore	ADV
gujaf-64	198	2	,	,	PUNCT
gujaf-64	198	3	the	the	DET
gujaf-64	198	4	study	study	NOUN
gujaf-64	198	5	concluded	conclude	VERB
gujaf-64	198	6	that	that	SCONJ
gujaf-64	198	7	credit	credit	NOUN
gujaf-64	198	8	growth	growth	NOUN
gujaf-64	198	9	is	be	AUX
gujaf-64	198	10	not	not	PART
gujaf-64	198	11	a	a	DET
gujaf-64	198	12	determinant	determinant	NOUN
gujaf-64	198	13	of	of	ADP
gujaf-64	198	14	asset	asset	NOUN
gujaf-64	198	15	quality	quality	NOUN
gujaf-64	198	16	of	of	ADP
gujaf-64	198	17	dmbs	dmb	NOUN
gujaf-64	198	18	in	in	ADP
gujaf-64	198	19	nigeria	nigeria	PROPN
gujaf-64	198	20	.	.	PUNCT
gujaf-64	199	1	as	as	ADP
gujaf-64	199	2	a	a	DET
gujaf-64	199	3	result	result	NOUN
gujaf-64	199	4	of	of	ADP
gujaf-64	199	5	the	the	DET
gujaf-64	199	6	findings	finding	NOUN
gujaf-64	199	7	,	,	PUNCT
gujaf-64	199	8	the	the	DET
gujaf-64	199	9	study	study	NOUN
gujaf-64	199	10	recommends	recommend	VERB
gujaf-64	199	11	that	that	SCONJ
gujaf-64	199	12	the	the	DET
gujaf-64	199	13	managements	management	NOUN
gujaf-64	199	14	of	of	ADP
gujaf-64	199	15	listed	list	VERB
gujaf-64	199	16	dmbs	dmb	NOUN
gujaf-64	199	17	in	in	ADP
gujaf-64	199	18	nigeria	nigeria	PROPN
gujaf-64	199	19	should	should	AUX
gujaf-64	199	20	strive	strive	VERB
gujaf-64	199	21	a	a	DET
gujaf-64	199	22	balance	balance	NOUN
gujaf-64	199	23	between	between	ADP
gujaf-64	199	24	their	their	PRON
gujaf-64	199	25	profit	profit	NOUN
gujaf-64	199	26	pursuit	pursuit	NOUN
gujaf-64	199	27	and	and	CCONJ
gujaf-64	199	28	non	non	ADJ
gujaf-64	199	29	-	-	ADJ
gujaf-64	199	30	performing	perform	VERB
gujaf-64	199	31	assets	asset	NOUN
gujaf-64	199	32	.	.	PUNCT
gujaf-64	200	1	this	this	PRON
gujaf-64	200	2	is	be	AUX
gujaf-64	200	3	because	because	SCONJ
gujaf-64	200	4	an	an	DET
gujaf-64	200	5	aggressive	aggressive	ADJ
gujaf-64	200	6	pursuit	pursuit	NOUN
gujaf-64	200	7	of	of	ADP
gujaf-64	200	8	profit	profit	NOUN
gujaf-64	200	9	will	will	AUX
gujaf-64	200	10	affect	affect	VERB
gujaf-64	200	11	the	the	DET
gujaf-64	200	12	quality	quality	NOUN
gujaf-64	200	13	of	of	ADP
gujaf-64	200	14	the	the	DET
gujaf-64	200	15	dmbs‟	dmbs‟	PROPN
gujaf-64	200	16	asset	asset	NOUN
gujaf-64	200	17	.	.	PUNCT
gujaf-64	201	1	also	also	ADV
gujaf-64	201	2	,	,	PUNCT
gujaf-64	201	3	the	the	DET
gujaf-64	201	4	study	study	NOUN
gujaf-64	201	5	recommends	recommend	VERB
gujaf-64	201	6	that	that	SCONJ
gujaf-64	201	7	the	the	DET
gujaf-64	201	8	managements	management	NOUN
gujaf-64	201	9	of	of	ADP
gujaf-64	201	10	the	the	DET
gujaf-64	201	11	listed	list	VERB
gujaf-64	201	12	dmbs	dmb	NOUN
gujaf-64	201	13	in	in	ADP
gujaf-64	201	14	nigeria	nigeria	PROPN
gujaf-64	201	15	should	should	AUX
gujaf-64	201	16	regularly	regularly	ADV
gujaf-64	201	17	evaluate	evaluate	VERB
gujaf-64	201	18	their	their	PRON
gujaf-64	201	19	customers	customer	NOUN
gujaf-64	201	20	and	and	CCONJ
gujaf-64	201	21	charge	charge	VERB
gujaf-64	201	22	interest	interest	NOUN
gujaf-64	201	23	rates	rate	NOUN
gujaf-64	201	24	accordingly	accordingly	ADV
gujaf-64	201	25	as	as	SCONJ
gujaf-64	201	26	unsuccessful	unsuccessful	ADJ
gujaf-64	201	27	interest	interest	NOUN
gujaf-64	201	28	rate	rate	NOUN
gujaf-64	201	29	policy	policy	NOUN
gujaf-64	201	30	can	can	AUX
gujaf-64	201	31	grow	grow	VERB
gujaf-64	201	32	the	the	DET
gujaf-64	201	33	gusau	gusau	ADJ
gujaf-64	201	34	journal	journal	NOUN
gujaf-64	201	35	of	of	ADP
gujaf-64	201	36	accounting	accounting	NOUN
gujaf-64	201	37	and	and	CCONJ
gujaf-64	201	38	finance	finance	NOUN
gujaf-64	201	39	,	,	PUNCT
gujaf-64	201	40	vol	vol	NOUN
gujaf-64	201	41	.	.	PROPN
gujaf-64	201	42	2	2	NUM
gujaf-64	201	43	,	,	PUNCT
gujaf-64	201	44	issue	issue	NOUN
gujaf-64	201	45	2	2	NUM
gujaf-64	201	46	,	,	PUNCT
gujaf-64	201	47	april	april	PROPN
gujaf-64	201	48	,	,	PUNCT
gujaf-64	201	49	2021	2021	NUM
gujaf-64	201	50	11	11	NUM
gujaf-64	201	51	level	level	NOUN
gujaf-64	201	52	of	of	ADP
gujaf-64	201	53	interest	interest	NOUN
gujaf-64	201	54	rates	rate	NOUN
gujaf-64	201	55	which	which	PRON
gujaf-64	201	56	will	will	AUX
gujaf-64	201	57	have	have	VERB
gujaf-64	201	58	effect	effect	NOUN
gujaf-64	201	59	on	on	ADP
gujaf-64	201	60	non	non	ADJ
gujaf-64	201	61	-	-	ADJ
gujaf-64	201	62	performing	perform	VERB
gujaf-64	201	63	assets	asset	NOUN
gujaf-64	201	64	.	.	PUNCT
gujaf-64	202	1	the	the	PRON
gujaf-64	202	2	higher	high	ADJ
gujaf-64	202	3	the	the	DET
gujaf-64	202	4	rate	rate	NOUN
gujaf-64	202	5	of	of	ADP
gujaf-64	202	6	interest	interest	NOUN
gujaf-64	202	7	charge	charge	VERB
gujaf-64	202	8	the	the	DET
gujaf-64	202	9	more	more	ADV
gujaf-64	202	10	difficult	difficult	ADJ
gujaf-64	202	11	it	it	PRON
gujaf-64	202	12	may	may	AUX
gujaf-64	202	13	become	become	VERB
gujaf-64	202	14	to	to	PART
gujaf-64	202	15	pay	pay	VERB
gujaf-64	202	16	back	back	ADP
gujaf-64	202	17	the	the	DET
gujaf-64	202	18	loans	loan	NOUN
gujaf-64	202	19	.	.	PUNCT
gujaf-64	203	1	finally	finally	ADV
gujaf-64	203	2	,	,	PUNCT
gujaf-64	203	3	the	the	DET
gujaf-64	203	4	study	study	NOUN
gujaf-64	203	5	recommends	recommend	VERB
gujaf-64	203	6	that	that	SCONJ
gujaf-64	203	7	the	the	DET
gujaf-64	203	8	managements	management	NOUN
gujaf-64	203	9	of	of	ADP
gujaf-64	203	10	listed	list	VERB
gujaf-64	203	11	dmbs	dmb	NOUN
gujaf-64	203	12	in	in	ADP
gujaf-64	203	13	nigeria	nigeria	PROPN
gujaf-64	203	14	should	should	AUX
gujaf-64	203	15	always	always	ADV
gujaf-64	203	16	ensure	ensure	VERB
gujaf-64	203	17	minimal	minimal	ADJ
gujaf-64	203	18	or	or	CCONJ
gujaf-64	203	19	not	not	PART
gujaf-64	203	20	prioritizing	prioritize	VERB
gujaf-64	203	21	other	other	ADJ
gujaf-64	203	22	investments	investment	NOUN
gujaf-64	203	23	outside	outside	ADP
gujaf-64	203	24	their	their	PRON
gujaf-64	203	25	business	business	NOUN
gujaf-64	203	26	of	of	ADP
gujaf-64	203	27	lending	lending	NOUN
gujaf-64	203	28	/	/	SYM
gujaf-64	203	29	financial	financial	ADJ
gujaf-64	203	30	intermediation	intermediation	NOUN
gujaf-64	203	31	.	.	PUNCT
gujaf-64	204	1	as	as	SCONJ
gujaf-64	204	2	this	this	PRON
gujaf-64	204	3	will	will	AUX
gujaf-64	204	4	improve	improve	VERB
gujaf-64	204	5	the	the	DET
gujaf-64	204	6	quality	quality	NOUN
gujaf-64	204	7	of	of	ADP
gujaf-64	204	8	the	the	DET
gujaf-64	204	9	dmbs	dmb	NOUN
gujaf-64	204	10	assets	asset	NOUN
gujaf-64	204	11	.	.	PUNCT
gujaf-64	205	1	references	reference	NOUN
gujaf-64	205	2	abata	abata	NOUN
gujaf-64	205	3	,	,	PUNCT
gujaf-64	205	4	m.	m.	NOUN
gujaf-64	205	5	a.	a.	NOUN
gujaf-64	205	6	(	(	PUNCT
gujaf-64	205	7	2014	2014	NUM
gujaf-64	205	8	)	)	PUNCT
gujaf-64	205	9	.	.	PUNCT
gujaf-64	206	1	asset	asset	NOUN
gujaf-64	206	2	quality	quality	NOUN
gujaf-64	206	3	and	and	CCONJ
gujaf-64	206	4	bank	bank	NOUN
gujaf-64	206	5	performance	performance	NOUN
gujaf-64	206	6	:	:	PUNCT
gujaf-64	206	7	a	a	DET
gujaf-64	206	8	study	study	NOUN
gujaf-64	206	9	of	of	ADP
gujaf-64	206	10	commercial	commercial	ADJ
gujaf-64	206	11	banks	bank	NOUN
gujaf-64	206	12	in	in	ADP
gujaf-64	206	13	nigeria	nigeria	PROPN
gujaf-64	206	14	.	.	PUNCT
gujaf-64	207	1	research	research	NOUN
gujaf-64	207	2	journal	journal	PROPN
gujaf-64	207	3	of	of	ADP
gujaf-64	207	4	finance	finance	NOUN
gujaf-64	207	5	and	and	CCONJ
gujaf-64	207	6	accounting	account	VERB
gujaf-64	207	7	5(18	5(18	NUM
gujaf-64	207	8	)	)	PUNCT
gujaf-64	207	9	,	,	PUNCT
gujaf-64	207	10	39	39	NUM
gujaf-64	207	11	-	-	SYM
gujaf-64	207	12	44	44	NUM
gujaf-64	207	13	.	.	PUNCT
gujaf-64	208	1	ahmad	ahmad	PROPN
gujaf-64	208	2	,	,	PUNCT
gujaf-64	208	3	f.	f.	PROPN
gujaf-64	208	4	,	,	PUNCT
gujaf-64	208	5	and	and	CCONJ
gujaf-64	208	6	bashir	bashir	PROPN
gujaf-64	208	7	,	,	PUNCT
gujaf-64	208	8	t.	t.	PROPN
gujaf-64	208	9	(	(	PUNCT
gujaf-64	208	10	2013	2013	NUM
gujaf-64	208	11	)	)	PUNCT
gujaf-64	208	12	.	.	PUNCT
gujaf-64	209	1	explanatory	explanatory	ADJ
gujaf-64	209	2	power	power	NOUN
gujaf-64	209	3	of	of	ADP
gujaf-64	209	4	bank	bank	NOUN
gujaf-64	209	5	specific	specific	ADJ
gujaf-64	209	6	variables	variable	NOUN
gujaf-64	209	7	as	as	ADP
gujaf-64	209	8	determinants	determinant	NOUN
gujaf-64	209	9	of	of	ADP
gujaf-64	209	10	nonperforming	nonperforme	VERB
gujaf-64	209	11	loans	loan	NOUN
gujaf-64	209	12	:	:	PUNCT
gujaf-64	209	13	evidence	evidence	NOUN
gujaf-64	209	14	from	from	ADP
gujaf-64	209	15	pakistan	pakistan	PROPN
gujaf-64	209	16	banking	banking	NOUN
gujaf-64	209	17	.	.	PUNCT
gujaf-64	210	1	world	world	NOUN
gujaf-64	210	2	applied	apply	VERB
gujaf-64	210	3	science	science	NOUN
gujaf-64	210	4	journal	journal	NOUN
gujaf-64	210	5	,	,	PUNCT
gujaf-64	210	6	22	22	NUM
gujaf-64	210	7	,	,	PUNCT
gujaf-64	210	8	1220–1231	1220–1231	NUM
gujaf-64	210	9	.	.	PUNCT
gujaf-64	211	1	alexandri	alexandri	PROPN
gujaf-64	211	2	,	,	PUNCT
gujaf-64	211	3	m.	m.	PROPN
gujaf-64	211	4	b.	b.	PROPN
gujaf-64	211	5	,	,	PUNCT
gujaf-64	211	6	and	and	CCONJ
gujaf-64	211	7	santoso	santoso	NOUN
gujaf-64	211	8	,	,	PUNCT
gujaf-64	211	9	t.	t.	PROPN
gujaf-64	211	10	i.	i.	PROPN
gujaf-64	211	11	(	(	PUNCT
gujaf-64	211	12	2015).non	2015).non	NOUN
gujaf-64	211	13	-	-	PUNCT
gujaf-64	211	14	performing	perform	VERB
gujaf-64	211	15	loan	loan	NOUN
gujaf-64	211	16	:	:	PUNCT
gujaf-64	211	17	impact	impact	NOUN
gujaf-64	211	18	of	of	ADP
gujaf-64	211	19	internal	internal	ADJ
gujaf-64	211	20	and	and	CCONJ
gujaf-64	211	21	external	external	ADJ
gujaf-64	211	22	factor	factor	NOUN
gujaf-64	211	23	(	(	PUNCT
gujaf-64	211	24	evidence	evidence	NOUN
gujaf-64	211	25	in	in	ADP
gujaf-64	211	26	indonesia	indonesia	PROPN
gujaf-64	211	27	)	)	PUNCT
gujaf-64	211	28	.	.	PUNCT
gujaf-64	212	1	international	international	ADJ
gujaf-64	212	2	journal	journal	PROPN
gujaf-64	212	3	of	of	ADP
gujaf-64	212	4	humanities	humanity	NOUN
gujaf-64	212	5	and	and	CCONJ
gujaf-64	212	6	social	social	ADJ
gujaf-64	212	7	science	science	NOUN
gujaf-64	212	8	invention	invention	NOUN
gujaf-64	212	9	,	,	PUNCT
gujaf-64	212	10	4(1	4(1	NOUN
gujaf-64	212	11	)	)	PUNCT
gujaf-64	212	12	,	,	PUNCT
gujaf-64	212	13	87	87	NUM
gujaf-64	212	14	-	-	SYM
gujaf-64	212	15	91	91	NUM
gujaf-64	212	16	.	.	PUNCT
gujaf-64	213	1	badar	badar	PROPN
gujaf-64	213	2	,	,	PUNCT
gujaf-64	213	3	m.	m.	NOUN
gujaf-64	213	4	,	,	PUNCT
gujaf-64	213	5	and	and	CCONJ
gujaf-64	213	6	yasmin	yasmin	PROPN
gujaf-64	213	7	j.a	j.a	PROPN
gujaf-64	213	8	.	.	PROPN
gujaf-64	213	9	,	,	PUNCT
gujaf-64	213	10	(	(	PUNCT
gujaf-64	213	11	2013	2013	NUM
gujaf-64	213	12	)	)	PUNCT
gujaf-64	213	13	.	.	PUNCT
gujaf-64	214	1	impact	impact	NOUN
gujaf-64	214	2	of	of	ADP
gujaf-64	214	3	macroeconomic	macroeconomic	ADJ
gujaf-64	214	4	forces	force	NOUN
gujaf-64	214	5	on	on	ADP
gujaf-64	214	6	nonperforming	nonperforme	VERB
gujaf-64	214	7	loans	loan	NOUN
gujaf-64	214	8	:	:	PUNCT
gujaf-64	214	9	an	an	DET
gujaf-64	214	10	empirical	empirical	ADJ
gujaf-64	214	11	study	study	NOUN
gujaf-64	214	12	of	of	ADP
gujaf-64	214	13	commercial	commercial	ADJ
gujaf-64	214	14	banks	bank	NOUN
gujaf-64	214	15	in	in	ADP
gujaf-64	214	16	pakistan	pakistan	PROPN
gujaf-64	214	17	.	.	PUNCT
gujaf-64	215	1	wseas	wseas	VERB
gujaf-64	215	2	transactions	transaction	NOUN
gujaf-64	215	3	on	on	ADP
gujaf-64	215	4	business	business	NOUN
gujaf-64	215	5	&	&	CCONJ
gujaf-64	215	6	economics	economic	NOUN
gujaf-64	215	7	,	,	PUNCT
gujaf-64	215	8	10(1	10(1	NUM
gujaf-64	215	9	)	)	PUNCT
gujaf-64	215	10	nairobi	nairobi	PROPN
gujaf-64	215	11	.	.	PUNCT
gujaf-64	216	1	bayar	bayar	PROPN
gujaf-64	216	2	,	,	PUNCT
gujaf-64	216	3	y.	y.	PROPN
gujaf-64	216	4	(	(	PUNCT
gujaf-64	216	5	2019	2019	NUM
gujaf-64	216	6	)	)	PUNCT
gujaf-64	216	7	.	.	PUNCT
gujaf-64	217	1	macroeconomic	macroeconomic	ADJ
gujaf-64	217	2	,	,	PUNCT
gujaf-64	217	3	institutional	institutional	ADJ
gujaf-64	217	4	and	and	CCONJ
gujaf-64	217	5	bank	bank	NOUN
gujaf-64	217	6	-	-	PUNCT
gujaf-64	217	7	specific	specific	ADJ
gujaf-64	217	8	determinants	determinant	NOUN
gujaf-64	217	9	of	of	ADP
gujaf-64	217	10	nonperforming	nonperforme	VERB
gujaf-64	217	11	loans	loan	NOUN
gujaf-64	217	12	in	in	ADP
gujaf-64	217	13	emerging	emerge	VERB
gujaf-64	217	14	market	market	NOUN
gujaf-64	217	15	economies	economy	NOUN
gujaf-64	217	16	:	:	PUNCT
gujaf-64	217	17	a	a	DET
gujaf-64	217	18	dynamic	dynamic	ADJ
gujaf-64	217	19	panel	panel	NOUN
gujaf-64	217	20	regression	regression	NOUN
gujaf-64	217	21	analysis	analysis	NOUN
gujaf-64	217	22	.	.	PUNCT
gujaf-64	218	1	journal	journal	NOUN
gujaf-64	218	2	of	of	ADP
gujaf-64	218	3	central	central	ADJ
gujaf-64	218	4	banking	banking	NOUN
gujaf-64	218	5	theory	theory	NOUN
gujaf-64	218	6	and	and	CCONJ
gujaf-64	218	7	practice	practice	NOUN
gujaf-64	218	8	,	,	PUNCT
gujaf-64	218	9	8(3	8(3	NUM
gujaf-64	218	10	)	)	PUNCT
gujaf-64	218	11	,	,	PUNCT
gujaf-64	218	12	95–110	95–110	PROPN
gujaf-64	218	13	.	.	PUNCT
gujaf-64	219	1	https://doi.org/10.2478/jcbtp-2019-0026	https://doi.org/10.2478/jcbtp-2019-0026	PROPN
gujaf-64	219	2	.	.	PUNCT
gujaf-64	220	1	berger	berger	PROPN
gujaf-64	220	2	,	,	PUNCT
gujaf-64	220	3	a.	a.	PROPN
gujaf-64	220	4	n.	n.	PROPN
gujaf-64	220	5	and	and	CCONJ
gujaf-64	220	6	deyoung	deyoung	PROPN
gujaf-64	220	7	,	,	PUNCT
gujaf-64	220	8	r.	r.	PROPN
gujaf-64	220	9	(	(	PUNCT
gujaf-64	220	10	1997	1997	NUM
gujaf-64	220	11	)	)	PUNCT
gujaf-64	220	12	,	,	PUNCT
gujaf-64	220	13	problem	problem	NOUN
gujaf-64	220	14	loans	loan	NOUN
gujaf-64	220	15	and	and	CCONJ
gujaf-64	220	16	cost	cost	NOUN
gujaf-64	220	17	efficiency	efficiency	NOUN
gujaf-64	220	18	in	in	ADP
gujaf-64	220	19	commercial	commercial	ADJ
gujaf-64	220	20	banks	bank	NOUN
gujaf-64	220	21	,	,	PUNCT
gujaf-64	220	22	journal	journal	NOUN
gujaf-64	220	23	of	of	ADP
gujaf-64	220	24	banking	banking	NOUN
gujaf-64	220	25	and	and	CCONJ
gujaf-64	220	26	finance	finance	NOUN
gujaf-64	220	27	,	,	PUNCT
gujaf-64	220	28	21(6	21(6	PROPN
gujaf-64	220	29	)	)	PUNCT
gujaf-64	220	30	,	,	PUNCT
gujaf-64	220	31	849870	849870	NUM
gujaf-64	220	32	.	.	PUNCT
gujaf-64	221	1	chaiporn	chaiporn	PROPN
gujaf-64	221	2	,	,	PUNCT
gujaf-64	221	3	v.	v.	PROPN
gujaf-64	221	4	(	(	PUNCT
gujaf-64	221	5	2016	2016	NUM
gujaf-64	221	6	)	)	PUNCT
gujaf-64	221	7	deflation	deflation	NOUN
gujaf-64	221	8	,	,	PUNCT
gujaf-64	221	9	bank	bank	NOUN
gujaf-64	221	10	credit	credit	NOUN
gujaf-64	221	11	growth	growth	NOUN
gujaf-64	221	12	,	,	PUNCT
gujaf-64	221	13	and	and	CCONJ
gujaf-64	221	14	non	non	ADJ
gujaf-64	221	15	-	-	ADJ
gujaf-64	221	16	performing	performing	ADJ
gujaf-64	221	17	loans	loan	NOUN
gujaf-64	221	18	:	:	PUNCT
gujaf-64	221	19	evidence	evidence	NOUN
gujaf-64	221	20	from	from	ADP
gujaf-64	221	21	japan	japan	PROPN
gujaf-64	221	22	;	;	PUNCT
gujaf-64	221	23	e	e	X
gujaf-64	221	24	-	-	PROPN
gujaf-64	221	25	saan	saan	ADJ
gujaf-64	221	26	center	center	PROPN
gujaf-64	221	27	for	for	ADP
gujaf-64	221	28	business	business	NOUN
gujaf-64	221	29	and	and	CCONJ
gujaf-64	221	30	economic	economic	ADJ
gujaf-64	221	31	research	research	NOUN
gujaf-64	221	32	(	(	PUNCT
gujaf-64	221	33	ecber	ecber	PROPN
gujaf-64	221	34	)	)	PUNCT
gujaf-64	221	35	,	,	PUNCT
gujaf-64	221	36	faculty	faculty	NOUN
gujaf-64	221	37	of	of	ADP
gujaf-64	221	38	management	management	NOUN
gujaf-64	221	39	science	science	NOUN
gujaf-64	221	40	,	,	PUNCT
gujaf-64	221	41	khon	khon	PROPN
gujaf-64	221	42	kaen	kaen	PROPN
gujaf-64	221	43	university	university	PROPN
gujaf-64	221	44	faculty	faculty	NOUN
gujaf-64	221	45	of	of	ADP
gujaf-64	221	46	economics	economic	NOUN
gujaf-64	221	47	,	,	PUNCT
gujaf-64	221	48	khon	khon	PROPN
gujaf-64	221	49	kaen	kaen	PROPN
gujaf-64	221	50	university	university	PROPN
gujaf-64	221	51	,	,	PUNCT
gujaf-64	221	52	muang	muang	PROPN
gujaf-64	221	53	,	,	PUNCT
gujaf-64	221	54	khon	khon	PROPN
gujaf-64	221	55	kaen	kaen	PROPN
gujaf-64	221	56	40002	40002	NUM
gujaf-64	221	57	,	,	PUNCT
gujaf-64	221	58	thailand	thailand	PROPN
gujaf-64	221	59	.	.	PUNCT
gujaf-64	221	60	chege	chege	PROPN
gujaf-64	221	61	,	,	PUNCT
gujaf-64	221	62	m.	m.	NOUN
gujaf-64	221	63	(	(	PUNCT
gujaf-64	221	64	2014	2014	NUM
gujaf-64	221	65	)	)	PUNCT
gujaf-64	221	66	effect	effect	NOUN
gujaf-64	221	67	of	of	ADP
gujaf-64	221	68	interest	interest	NOUN
gujaf-64	221	69	rates	rate	NOUN
gujaf-64	221	70	on	on	ADP
gujaf-64	221	71	non	non	ADJ
gujaf-64	221	72	-	-	ADJ
gujaf-64	221	73	performing	performing	ADJ
gujaf-64	221	74	loans	loan	NOUN
gujaf-64	221	75	in	in	ADP
gujaf-64	221	76	commercial	commercial	ADJ
gujaf-64	221	77	banks	bank	NOUN
gujaf-64	221	78	in	in	ADP
gujaf-64	221	79	kenya	kenya	PROPN
gujaf-64	221	80	.	.	PUNCT
gujaf-64	222	1	unpublished	unpublished	ADJ
gujaf-64	222	2	masters	master	NOUN
gujaf-64	222	3	.	.	PUNCT
gujaf-64	223	1	the	the	DET
gujaf-64	223	2	university	university	PROPN
gujaf-64	223	3	of	of	ADP
gujaf-64	223	4	nairobi	nairobi	PROPN
gujaf-64	223	5	.	.	PUNCT
gujaf-64	224	1	etale	etale	PROPN
gujaf-64	224	2	,	,	PUNCT
gujaf-64	224	3	l.	l.	PROPN
gujaf-64	224	4	m.	m.	PROPN
gujaf-64	224	5	,	,	PUNCT
gujaf-64	224	6	ayunku	ayunku	NOUN
gujaf-64	224	7	,	,	PUNCT
gujaf-64	224	8	p.	p.	PROPN
gujaf-64	224	9	e.	e.	PROPN
gujaf-64	224	10	,	,	PUNCT
gujaf-64	224	11	and	and	CCONJ
gujaf-64	224	12	etale	etale	NOUN
gujaf-64	224	13	,	,	PUNCT
gujaf-64	224	14	e.	e.	PROPN
gujaf-64	224	15	(	(	PUNCT
gujaf-64	224	16	2016	2016	NUM
gujaf-64	224	17	)	)	PUNCT
gujaf-64	224	18	.	.	PUNCT
gujaf-64	225	1	the	the	DET
gujaf-64	225	2	impact	impact	NOUN
gujaf-64	225	3	of	of	ADP
gujaf-64	225	4	non	non	ADJ
gujaf-64	225	5	-	-	ADJ
gujaf-64	225	6	performing	performing	ADJ
gujaf-64	225	7	loans	loan	NOUN
gujaf-64	225	8	and	and	CCONJ
gujaf-64	225	9	bank	bank	NOUN
gujaf-64	225	10	performance	performance	NOUN
gujaf-64	225	11	in	in	ADP
gujaf-64	225	12	nigeria	nigeria	PROPN
gujaf-64	225	13	.	.	PUNCT
gujaf-64	226	1	international	international	ADJ
gujaf-64	226	2	journal	journal	PROPN
gujaf-64	226	3	of	of	ADP
gujaf-64	226	4	humanities	humanity	NOUN
gujaf-64	226	5	and	and	CCONJ
gujaf-64	226	6	social	social	ADJ
gujaf-64	226	7	science	science	NOUN
gujaf-64	226	8	invention	invention	NOUN
gujaf-64	226	9	,	,	PUNCT
gujaf-64	226	10	5(4	5(4	NUM
gujaf-64	226	11	)	)	PUNCT
gujaf-64	226	12	,	,	PUNCT
gujaf-64	226	13	1	1	NUM
gujaf-64	226	14	-	-	SYM
gujaf-64	226	15	5	5	NUM
gujaf-64	226	16	.	.	PUNCT
gujaf-64	227	1	gesu	gesu	PROPN
gujaf-64	227	2	,	,	PUNCT
gujaf-64	227	3	g.	g.	PROPN
gujaf-64	227	4	(	(	PUNCT
gujaf-64	227	5	2014	2014	NUM
gujaf-64	227	6	)	)	PUNCT
gujaf-64	227	7	.	.	PUNCT
gujaf-64	228	1	determinants	determinant	NOUN
gujaf-64	228	2	of	of	ADP
gujaf-64	228	3	nonperforming	nonperforme	VERB
gujaf-64	228	4	loans	loan	NOUN
gujaf-64	228	5	:	:	PUNCT
gujaf-64	228	6	empirical	empirical	ADJ
gujaf-64	228	7	study	study	NOUN
gujaf-64	228	8	in	in	ADP
gujaf-64	228	9	case	case	NOUN
gujaf-64	228	10	of	of	ADP
gujaf-64	228	11	commercial	commercial	ADJ
gujaf-64	228	12	banks	bank	NOUN
gujaf-64	228	13	in	in	ADP
gujaf-64	228	14	ethiopia	ethiopia	PROPN
gujaf-64	228	15	.	.	PUNCT
gujaf-64	229	1	a	a	DET
gujaf-64	229	2	published	publish	VERB
gujaf-64	229	3	msc	msc	PROPN
gujaf-64	229	4	thesis	thesis	PROPN
gujaf-64	229	5	,	,	PUNCT
gujaf-64	229	6	jimma	jimma	PROPN
gujaf-64	229	7	university	university	PROPN
gujaf-64	229	8	.	.	PUNCT
gujaf-64	230	1	imf	imf	PROPN
gujaf-64	230	2	,	,	PUNCT
gujaf-64	230	3	annual	annual	ADJ
gujaf-64	230	4	report	report	NOUN
gujaf-64	230	5	(	(	PUNCT
gujaf-64	230	6	2005	2005	NUM
gujaf-64	230	7	)	)	PUNCT
gujaf-64	230	8	.	.	PUNCT
gujaf-64	231	1	ghosh	ghosh	PROPN
gujaf-64	231	2	,	,	PUNCT
gujaf-64	231	3	s.	s.	PROPN
gujaf-64	231	4	(	(	PUNCT
gujaf-64	231	5	2003	2003	NUM
gujaf-64	231	6	)	)	PUNCT
gujaf-64	231	7	.	.	PUNCT
gujaf-64	232	1	determinants	determinant	NOUN
gujaf-64	232	2	of	of	ADP
gujaf-64	232	3	credit	credit	NOUN
gujaf-64	232	4	risk	risk	NOUN
gujaf-64	232	5	in	in	ADP
gujaf-64	232	6	indian	indian	ADJ
gujaf-64	232	7	state	state	NOUN
gujaf-64	232	8	-	-	PUNCT
gujaf-64	232	9	owned	own	VERB
gujaf-64	232	10	banks	bank	NOUN
gujaf-64	232	11	:	:	PUNCT
gujaf-64	232	12	an	an	DET
gujaf-64	232	13	empirical	empirical	ADJ
gujaf-64	232	14	investigation	investigation	NOUN
gujaf-64	232	15	.	.	PUNCT
gujaf-64	233	1	godallawaththa	godallawaththa	VERB
gujaf-64	233	2	g.w.h	g.w.h	ADJ
gujaf-64	233	3	.	.	PUNCT
gujaf-64	234	1	and	and	CCONJ
gujaf-64	234	2	ekanayake	ekanayake	VERB
gujaf-64	234	3	e.m.n.n	e.m.n.n	PROPN
gujaf-64	234	4	(	(	PUNCT
gujaf-64	234	5	2015	2015	NUM
gujaf-64	234	6	)	)	PUNCT
gujaf-64	234	7	the	the	DET
gujaf-64	234	8	impact	impact	NOUN
gujaf-64	234	9	of	of	ADP
gujaf-64	234	10	bank	bank	NOUN
gujaf-64	234	11	-	-	PUNCT
gujaf-64	234	12	specific	specific	ADJ
gujaf-64	234	13	and	and	CCONJ
gujaf-64	234	14	macroeconomic	macroeconomic	ADJ
gujaf-64	234	15	factors	factor	NOUN
gujaf-64	234	16	on	on	ADP
gujaf-64	234	17	non	non	ADJ
gujaf-64	234	18	-	-	ADJ
gujaf-64	234	19	performing	performing	ADJ
gujaf-64	234	20	loans	loan	NOUN
gujaf-64	234	21	in	in	ADP
gujaf-64	234	22	commercial	commercial	ADJ
gujaf-64	234	23	banks	bank	NOUN
gujaf-64	234	24	;	;	PUNCT
gujaf-64	234	25	international	international	ADJ
gujaf-64	234	26	research	research	NOUN
gujaf-64	234	27	conference	conference	NOUN
gujaf-64	234	28	on	on	ADP
gujaf-64	234	29	management	management	NOUN
gujaf-64	234	30	and	and	CCONJ
gujaf-64	234	31	finance	finance	NOUN
gujaf-64	234	32	,	,	PUNCT
gujaf-64	234	33	faculty	faculty	NOUN
gujaf-64	234	34	of	of	ADP
gujaf-64	234	35	management	management	NOUN
gujaf-64	234	36	and	and	CCONJ
gujaf-64	234	37	finance	finance	NOUN
gujaf-64	234	38	,	,	PUNCT
gujaf-64	234	39	university	university	NOUN
gujaf-64	234	40	of	of	ADP
gujaf-64	234	41	colombo	colombo	NOUN
gujaf-64	234	42	,	,	PUNCT
gujaf-64	234	43	at	at	ADP
gujaf-64	234	44	colombo	colombo	NOUN
gujaf-64	234	45	,	,	PUNCT
gujaf-64	234	46	sri	sri	PROPN
gujaf-64	234	47	lanka	lanka	PROPN
gujaf-64	234	48	,	,	PUNCT
gujaf-64	234	49	10	10	NUM
gujaf-64	234	50	,	,	PUNCT
gujaf-64	234	51	133	133	NUM
gujaf-64	234	52	-	-	SYM
gujaf-64	234	53	160	160	NUM
gujaf-64	234	54	.	.	PUNCT
gujaf-64	235	1	gujarati	gujarati	PROPN
gujaf-64	235	2	,	,	PUNCT
gujaf-64	235	3	d.	d.	PROPN
gujaf-64	235	4	and	and	CCONJ
gujaf-64	235	5	dawan	dawan	PROPN
gujaf-64	235	6	,	,	PUNCT
gujaf-64	235	7	c.	c.	PROPN
gujaf-64	235	8	(	(	PUNCT
gujaf-64	235	9	2015	2015	NUM
gujaf-64	235	10	)	)	PUNCT
gujaf-64	235	11	,	,	PUNCT
gujaf-64	235	12	porter	porter	NOUN
gujaf-64	235	13	,	,	PUNCT
gujaf-64	235	14	mcgraw‐	mcgraw‐	VERB
gujaf-64	235	15	hill	hill	NOUN
gujaf-64	235	16	education	education	PROPN
gujaf-64	235	17	,	,	PUNCT
gujaf-64	235	18	washington	washington	PROPN
gujaf-64	235	19	,	,	PUNCT
gujaf-64	235	20	dc	dc	PROPN
gujaf-64	235	21	.	.	PUNCT
gujaf-64	236	1	hisham	hisham	PROPN
gujaf-64	236	2	u.h	u.h	PROPN
gujaf-64	236	3	,	,	PUNCT
gujaf-64	236	4	muhammad	muhammad	PROPN
gujaf-64	236	5	i	i	PROPN
gujaf-64	236	6	,	,	PUNCT
gujaf-64	236	7	and	and	CCONJ
gujaf-64	236	8	choudahry	choudahry	PROPN
gujaf-64	236	9	a.	a.	NOUN
gujaf-64	236	10	(	(	PUNCT
gujaf-64	236	11	2014	2014	NUM
gujaf-64	236	12	)	)	PUNCT
gujaf-64	236	13	quantitative	quantitative	ADJ
gujaf-64	236	14	study	study	NOUN
gujaf-64	236	15	of	of	ADP
gujaf-64	236	16	bank	bank	NOUN
gujaf-64	236	17	-	-	PUNCT
gujaf-64	236	18	specific	specific	ADJ
gujaf-64	236	19	and	and	CCONJ
gujaf-64	236	20	social	social	ADJ
gujaf-64	236	21	factors	factor	NOUN
gujaf-64	236	22	of	of	ADP
gujaf-64	236	23	non	non	ADJ
gujaf-64	236	24	-	-	ADJ
gujaf-64	236	25	performing	performing	ADJ
gujaf-64	236	26	loans	loan	NOUN
gujaf-64	236	27	of	of	ADP
gujaf-64	236	28	pakistani	pakistani	ADJ
gujaf-64	236	29	banking	banking	NOUN
gujaf-64	236	30	sector	sector	NOUN
gujaf-64	236	31	;	;	PUNCT
gujaf-64	236	32	business	business	NOUN
gujaf-64	236	33	school	school	NOUN
gujaf-64	236	34	,	,	PUNCT
gujaf-64	236	35	gusau	gusau	ADJ
gujaf-64	236	36	journal	journal	NOUN
gujaf-64	236	37	of	of	ADP
gujaf-64	236	38	accounting	accounting	NOUN
gujaf-64	236	39	and	and	CCONJ
gujaf-64	236	40	finance	finance	NOUN
gujaf-64	236	41	,	,	PUNCT
gujaf-64	236	42	vol	vol	NOUN
gujaf-64	236	43	.	.	PROPN
gujaf-64	236	44	2	2	NUM
gujaf-64	236	45	,	,	PUNCT
gujaf-64	236	46	issue	issue	NOUN
gujaf-64	236	47	2	2	NUM
gujaf-64	236	48	,	,	PUNCT
gujaf-64	236	49	april	april	PROPN
gujaf-64	236	50	,	,	PUNCT
gujaf-64	236	51	2021	2021	NUM
gujaf-64	236	52	12	12	NUM
gujaf-64	236	53	superior	superior	ADJ
gujaf-64	236	54	university	university	NOUN
gujaf-64	236	55	,	,	PUNCT
gujaf-64	236	56	lahore	lahore	PROPN
gujaf-64	236	57	,	,	PUNCT
gujaf-64	236	58	pakistan	pakistan	PROPN
gujaf-64	236	59	international	international	ADJ
gujaf-64	236	60	letters	letter	NOUN
gujaf-64	236	61	of	of	ADP
gujaf-64	236	62	social	social	ADJ
gujaf-64	236	63	and	and	CCONJ
gujaf-64	236	64	humanistic	humanistic	ADJ
gujaf-64	236	65	sciences	science	NOUN
gujaf-64	236	66	.	.	PUNCT
gujaf-64	237	1	issn	issn	PROPN
gujaf-64	237	2	:	:	PUNCT
gujaf-64	237	3	2300	2300	NUM
gujaf-64	237	4	-	-	SYM
gujaf-64	237	5	2697	2697	NUM
gujaf-64	237	6	,	,	PUNCT
gujaf-64	237	7	vol	vol	NOUN
gujaf-64	237	8	.	.	PROPN
gujaf-64	237	9	43	43	NUM
gujaf-64	237	10	,	,	PUNCT
gujaf-64	237	11	pp	pp	ADJ
gujaf-64	237	12	.	.	PUNCT
gujaf-64	238	1	192	192	NUM
gujaf-64	238	2	-	-	SYM
gujaf-64	238	3	213	213	NUM
gujaf-64	238	4	.	.	PUNCT
gujaf-64	239	1	hoggarth	hoggarth	PROPN
gujaf-64	239	2	,	,	PUNCT
gujaf-64	239	3	g.	g.	PROPN
gujaf-64	239	4	,	,	PUNCT
gujaf-64	239	5	sorensen	sorensen	PROPN
gujaf-64	239	6	,	,	PUNCT
gujaf-64	239	7	s.	s.	PROPN
gujaf-64	239	8	,	,	PUNCT
gujaf-64	239	9	and	and	CCONJ
gujaf-64	239	10	zicchino	zicchino	NOUN
gujaf-64	239	11	,	,	PUNCT
gujaf-64	239	12	l.	l.	PROPN
gujaf-64	239	13	(	(	PUNCT
gujaf-64	239	14	2005	2005	NUM
gujaf-64	239	15	)	)	PUNCT
gujaf-64	239	16	.	.	PUNCT
gujaf-64	240	1	stress	stress	NOUN
gujaf-64	240	2	tests	test	NOUN
gujaf-64	240	3	of	of	ADP
gujaf-64	240	4	uk	uk	PROPN
gujaf-64	240	5	banks	bank	NOUN
gujaf-64	240	6	using	use	VERB
gujaf-64	240	7	a	a	DET
gujaf-64	240	8	var	var	NOUN
gujaf-64	240	9	approach	approach	NOUN
gujaf-64	240	10	bank	bank	PROPN
gujaf-64	240	11	engl	engl	PROPN
gujaf-64	240	12	.	.	PUNCT
gujaf-64	241	1	working	working	NOUN
gujaf-64	241	2	paper	paper	NOUN
gujaf-64	241	3	,	,	PUNCT
gujaf-64	241	4	282	282	NUM
gujaf-64	241	5	jena	jena	PROPN
gujaf-64	241	6	s.k	s.k	PROPN
gujaf-64	241	7	.	.	PROPN
gujaf-64	241	8	,	,	PUNCT
gujaf-64	241	9	mohaptra	mohaptra	PROPN
gujaf-64	241	10	s.	s.	PROPN
gujaf-64	241	11	and	and	CCONJ
gujaf-64	241	12	wong	wong	PROPN
gujaf-64	241	13	w.k	w.k	PROPN
gujaf-64	241	14	.	.	PROPN
gujaf-64	241	15	,	,	PUNCT
gujaf-64	241	16	(	(	PUNCT
gujaf-64	241	17	2017	2017	NUM
gujaf-64	241	18	)	)	PUNCT
gujaf-64	241	19	nonperforming	nonperforme	VERB
gujaf-64	241	20	loans	loan	NOUN
gujaf-64	241	21	in	in	ADP
gujaf-64	241	22	banks	bank	NOUN
gujaf-64	241	23	–	–	PUNCT
gujaf-64	241	24	are	be	AUX
gujaf-64	241	25	managers	manager	NOUN
gujaf-64	241	26	only	only	ADV
gujaf-64	241	27	responsible	responsible	ADJ
gujaf-64	241	28	 	 	SPACE
gujaf-64	241	29	?	?	PUNCT
gujaf-64	242	1	hyderabad	hyderabad	PROPN
gujaf-64	242	2	telengana	telengana	PROPN
gujaf-64	242	3	state	state	PROPN
gujaf-64	242	4	,	,	PUNCT
gujaf-64	242	5	india	india	PROPN
gujaf-64	242	6	wing	wing	NOUN
gujaf-64	242	7	-	-	PUNCT
gujaf-64	242	8	keung	keung	PROPN
gujaf-64	242	9	wong	wong	PROPN
gujaf-64	242	10	department	department	PROPN
gujaf-64	242	11	of	of	ADP
gujaf-64	242	12	finance	finance	NOUN
gujaf-64	242	13	and	and	CCONJ
gujaf-64	242	14	big	big	ADJ
gujaf-64	242	15	data	datum	NOUN
gujaf-64	242	16	research	research	NOUN
gujaf-64	242	17	center	center	NOUN
gujaf-64	242	18	,	,	PUNCT
gujaf-64	242	19	asia	asia	PROPN
gujaf-64	242	20	university	university	PROPN
gujaf-64	242	21	taiwan	taiwan	PROPN
gujaf-64	242	22	.	.	PUNCT
gujaf-64	243	1	1–19	1–19	PROPN
gujaf-64	243	2	.	.	PUNCT
gujaf-64	244	1	kadioglu	kadioglu	PROPN
gujaf-64	244	2	e	e	PROPN
gujaf-64	244	3	,	,	PUNCT
gujaf-64	244	4	niyazi	niyazi	PROPN
gujaf-64	244	5	t.	t.	PROPN
gujaf-64	244	6	and	and	CCONJ
gujaf-64	244	7	nurcan	nurcan	ADJ
gujaf-64	244	8	o.	o.	NOUN
gujaf-64	244	9	(	(	PUNCT
gujaf-64	244	10	2017	2017	NUM
gujaf-64	244	11	)	)	PUNCT
gujaf-64	244	12	effect	effect	NOUN
gujaf-64	244	13	of	of	ADP
gujaf-64	244	14	the	the	DET
gujaf-64	244	15	asset	asset	NOUN
gujaf-64	244	16	quality	quality	NOUN
gujaf-64	244	17	on	on	ADP
gujaf-64	244	18	the	the	DET
gujaf-64	244	19	bank	bank	NOUN
gujaf-64	244	20	profitability	profitability	NOUN
gujaf-64	244	21	in	in	ADP
gujaf-64	244	22	turkey	turkey	NOUN
gujaf-64	244	23	;	;	PUNCT
gujaf-64	244	24	international	international	ADJ
gujaf-64	244	25	journal	journal	NOUN
gujaf-64	244	26	of	of	ADP
gujaf-64	244	27	economics	economic	NOUN
gujaf-64	244	28	and	and	CCONJ
gujaf-64	244	29	finance	finance	NOUN
gujaf-64	244	30	;	;	PUNCT
gujaf-64	244	31	vol	vol	NOUN
gujaf-64	244	32	.	.	PUNCT
gujaf-64	244	33	9(7	9(7	NUM
gujaf-64	244	34	)	)	PUNCT
gujaf-64	244	35	;	;	PUNCT
gujaf-64	244	36	2017	2017	NUM
gujaf-64	244	37	issn	issn	VERB
gujaf-64	244	38	1916	1916	NUM
gujaf-64	244	39	-	-	PUNCT
gujaf-64	244	40	971x	971x	NOUN
gujaf-64	244	41	e	e	NOUN
gujaf-64	244	42	-	-	PROPN
gujaf-64	244	43	issn	issn	PROPN
gujaf-64	244	44	1916	1916	NUM
gujaf-64	244	45	-	-	SYM
gujaf-64	244	46	9728	9728	NUM
gujaf-64	244	47	published	publish	VERB
gujaf-64	244	48	by	by	ADP
gujaf-64	244	49	canadian	canadian	ADJ
gujaf-64	244	50	center	center	NOUN
gujaf-64	244	51	of	of	ADP
gujaf-64	244	52	science	science	NOUN
gujaf-64	244	53	and	and	CCONJ
gujaf-64	244	54	education	education	NOUN
gujaf-64	244	55	.	.	PUNCT
gujaf-64	245	1	kamunge	kamunge	PROPN
gujaf-64	245	2	,	,	PUNCT
gujaf-64	245	3	e.	e.	PROPN
gujaf-64	245	4	m	m	PROPN
gujaf-64	245	5	(	(	PUNCT
gujaf-64	245	6	2013	2013	NUM
gujaf-64	245	7	)	)	PUNCT
gujaf-64	245	8	the	the	DET
gujaf-64	245	9	effect	effect	NOUN
gujaf-64	245	10	of	of	ADP
gujaf-64	245	11	interest	interest	NOUN
gujaf-64	245	12	income	income	NOUN
gujaf-64	245	13	spread	spread	VERB
gujaf-64	245	14	on	on	ADP
gujaf-64	245	15	the	the	DET
gujaf-64	245	16	level	level	NOUN
gujaf-64	245	17	of	of	ADP
gujaf-64	245	18	non	non	ADJ
gujaf-64	245	19	-	-	ADJ
gujaf-64	245	20	performing	performing	ADJ
gujaf-64	245	21	loans	loan	NOUN
gujaf-64	245	22	of	of	ADP
gujaf-64	245	23	commercial	commercial	ADJ
gujaf-64	245	24	banks	bank	NOUN
gujaf-64	245	25	in	in	ADP
gujaf-64	245	26	kenya	kenya	PROPN
gujaf-64	245	27	.	.	PUNCT
gujaf-64	246	1	unpublished	unpublished	ADJ
gujaf-64	246	2	master	master	NOUN
gujaf-64	246	3	thesis	thesis	NOUN
gujaf-64	246	4	.	.	PUNCT
gujaf-64	247	1	the	the	DET
gujaf-64	247	2	university	university	PROPN
gujaf-64	247	3	of	of	ADP
gujaf-64	247	4	nairobi	nairobi	PROPN
gujaf-64	247	5	.	.	PUNCT
gujaf-64	248	1	koetter	koetter	PROPN
gujaf-64	248	2	,	,	PUNCT
gujaf-64	248	3	m.	m.	NOUN
gujaf-64	248	4	,	,	PUNCT
gujaf-64	248	5	kolari	kolari	PROPN
gujaf-64	248	6	,	,	PUNCT
gujaf-64	248	7	j.	j.	PROPN
gujaf-64	248	8	,	,	PUNCT
gujaf-64	248	9	and	and	CCONJ
gujaf-64	248	10	spierdijk	spierdijk	PROPN
gujaf-64	248	11	,	,	PUNCT
gujaf-64	248	12	l.	l.	PROPN
gujaf-64	248	13	,	,	PUNCT
gujaf-64	248	14	(	(	PUNCT
gujaf-64	248	15	2012	2012	NUM
gujaf-64	248	16	)	)	PUNCT
gujaf-64	248	17	.	.	PUNCT
gujaf-64	249	1	enjoying	enjoy	VERB
gujaf-64	249	2	the	the	DET
gujaf-64	249	3	quiet	quiet	ADJ
gujaf-64	249	4	life	life	NOUN
gujaf-64	249	5	under	under	ADP
gujaf-64	249	6	deregulation	deregulation	NOUN
gujaf-64	249	7	?	?	PUNCT
gujaf-64	250	1	evidence	evidence	NOUN
gujaf-64	250	2	from	from	ADP
gujaf-64	250	3	adjusted	adjust	VERB
gujaf-64	250	4	lerner	lerner	PROPN
gujaf-64	250	5	indices	indice	VERB
gujaf-64	250	6	for	for	ADP
gujaf-64	250	7	u.s	u.s	PROPN
gujaf-64	250	8	.	.	PROPN
gujaf-64	250	9	banks	bank	NOUN
gujaf-64	250	10	.	.	PUNCT
gujaf-64	251	1	review	review	NOUN
gujaf-64	251	2	of	of	ADP
gujaf-64	251	3	economics	economic	NOUN
gujaf-64	251	4	and	and	CCONJ
gujaf-64	251	5	statistics	statistic	NOUN
gujaf-64	251	6	,	,	PUNCT
gujaf-64	251	7	94	94	NUM
gujaf-64	251	8	,	,	PUNCT
gujaf-64	251	9	462–480	462–480	NUM
gujaf-64	251	10	.	.	PUNCT
gujaf-64	252	1	latif	latif	PROPN
gujaf-64	252	2	,	,	PUNCT
gujaf-64	252	3	a.	a.	PROPN
gujaf-64	252	4	,	,	PUNCT
gujaf-64	252	5	kyereboah	kyereboah	PROPN
gujaf-64	252	6	-	-	PUNCT
gujaf-64	252	7	coleman	coleman	PROPN
gujaf-64	252	8	,	,	PUNCT
gujaf-64	252	9	a.	a.	NOUN
gujaf-64	252	10	,	,	PUNCT
gujaf-64	252	11	and	and	CCONJ
gujaf-64	252	12	andoh	andoh	PROPN
gujaf-64	252	13	,	,	PUNCT
gujaf-64	252	14	c.	c.	PROPN
gujaf-64	252	15	(	(	PUNCT
gujaf-64	252	16	2014	2014	NUM
gujaf-64	252	17	)	)	PUNCT
gujaf-64	252	18	.	.	PUNCT
gujaf-64	253	1	asset	asset	NOUN
gujaf-64	253	2	quality	quality	NOUN
gujaf-64	253	3	in	in	ADP
gujaf-64	253	4	a	a	DET
gujaf-64	253	5	crisis	crisis	NOUN
gujaf-64	253	6	period	period	NOUN
gujaf-64	253	7	 	 	SPACE
gujaf-64	253	8	:	:	PUNCT
gujaf-64	253	9	an	an	DET
gujaf-64	253	10	empirical	empirical	ADJ
gujaf-64	253	11	examination	examination	NOUN
gujaf-64	253	12	of	of	ADP
gujaf-64	253	13	ghanaian	ghanaian	ADJ
gujaf-64	253	14	banks	bank	NOUN
gujaf-64	253	15	.	.	PUNCT
gujaf-64	254	1	journal	journal	PROPN
gujaf-64	254	2	of	of	ADP
gujaf-64	254	3	advanced	advanced	ADJ
gujaf-64	254	4	research	research	NOUN
gujaf-64	254	5	,	,	PUNCT
gujaf-64	254	6	4(1	4(1	NOUN
gujaf-64	254	7	)	)	PUNCT
gujaf-64	254	8	,	,	PUNCT
gujaf-64	254	9	50	50	NUM
gujaf-64	254	10	–	–	PUNCT
gujaf-64	254	11	62	62	NUM
gujaf-64	254	12	.	.	PUNCT
gujaf-64	255	1	https://doi.org/10.1016/j.rdf.2014.03.001	https://doi.org/10.1016/j.rdf.2014.03.001	NOUN
gujaf-64	255	2	laxmi	laxmi	PROPN
gujaf-64	255	3	,	,	PUNCT
gujaf-64	255	4	koju	koju	PROPN
gujaf-64	255	5	and	and	CCONJ
gujaf-64	255	6	wang	wang	PROPN
gujaf-64	255	7	(	(	PUNCT
gujaf-64	255	8	2017	2017	NUM
gujaf-64	255	9	)	)	PUNCT
gujaf-64	255	10	macroeconomic	macroeconomic	ADJ
gujaf-64	255	11	and	and	CCONJ
gujaf-64	255	12	bank	bank	NOUN
gujaf-64	255	13	-	-	PUNCT
gujaf-64	255	14	specific	specific	ADJ
gujaf-64	255	15	determinants	determinant	NOUN
gujaf-64	255	16	of	of	ADP
gujaf-64	255	17	nonperforming	nonperforme	VERB
gujaf-64	255	18	loans	loan	NOUN
gujaf-64	255	19	:	:	PUNCT
gujaf-64	255	20	evidence	evidence	NOUN
gujaf-64	255	21	from	from	ADP
gujaf-64	255	22	nepalese	nepalese	ADJ
gujaf-64	255	23	banking	banking	NOUN
gujaf-64	255	24	system	system	NOUN
gujaf-64	255	25	;	;	PUNCT
gujaf-64	255	26	journal	journal	NOUN
gujaf-64	255	27	of	of	ADP
gujaf-64	255	28	central	central	ADJ
gujaf-64	255	29	banking	banking	NOUN
gujaf-64	255	30	theory	theory	NOUN
gujaf-64	255	31	and	and	CCONJ
gujaf-64	255	32	practice	practice	NOUN
gujaf-64	255	33	,	,	PUNCT
gujaf-64	255	34	2018	2018	NUM
gujaf-64	255	35	,	,	PUNCT
gujaf-64	255	36	3	3	NUM
gujaf-64	255	37	,	,	PUNCT
gujaf-64	255	38	111	111	NUM
gujaf-64	255	39	-	-	SYM
gujaf-64	255	40	138	138	NUM
gujaf-64	255	41	received	receive	VERB
gujaf-64	255	42	:	:	PUNCT
gujaf-64	255	43	5	5	NUM
gujaf-64	255	44	july	july	PROPN
gujaf-64	255	45	2017	2017	NUM
gujaf-64	255	46	;	;	PUNCT
gujaf-64	255	47	accepted	accept	VERB
gujaf-64	255	48	:	:	PUNCT
gujaf-64	255	49	6	6	NUM
gujaf-64	255	50	october	october	PROPN
gujaf-64	255	51	2017	2017	NUM
gujaf-64	255	52	.	.	PUNCT
gujaf-64	256	1	mbella	mbella	PROPN
gujaf-64	256	2	m.e	m.e	PROPN
gujaf-64	256	3	.	.	PROPN
gujaf-64	256	4	and	and	CCONJ
gujaf-64	256	5	magloire	magloire	VERB
gujaf-64	256	6	a.a	a.a	PROPN
gujaf-64	256	7	,	,	PUNCT
gujaf-64	256	8	(	(	PUNCT
gujaf-64	256	9	2017	2017	NUM
gujaf-64	256	10	)	)	PUNCT
gujaf-64	256	11	.	.	PUNCT
gujaf-64	257	1	the	the	DET
gujaf-64	257	2	effect	effect	NOUN
gujaf-64	257	3	of	of	ADP
gujaf-64	257	4	bank	bank	NOUN
gujaf-64	257	5	specific	specific	ADJ
gujaf-64	257	6	factors	factor	NOUN
gujaf-64	257	7	on	on	ADP
gujaf-64	257	8	the	the	DET
gujaf-64	257	9	performance	performance	NOUN
gujaf-64	257	10	of	of	ADP
gujaf-64	257	11	afriland	afriland	NOUN
gujaf-64	257	12	first	first	ADJ
gujaf-64	257	13	bank	bank	PROPN
gujaf-64	257	14	in	in	ADP
gujaf-64	257	15	cameroon	cameroon	PROPN
gujaf-64	257	16	.	.	PUNCT
gujaf-64	258	1	journal	journal	PROPN
gujaf-64	258	2	of	of	ADP
gujaf-64	258	3	business	business	NOUN
gujaf-64	258	4	and	and	CCONJ
gujaf-64	258	5	financial	financial	ADJ
gujaf-64	258	6	affairs	affair	NOUN
gujaf-64	258	7	6	6	NUM
gujaf-64	258	8	:	:	SYM
gujaf-64	258	9	305	305	NUM
gujaf-64	258	10	.	.	PUNCT
gujaf-64	259	1	doi	doi	NOUN
gujaf-64	259	2	:	:	PUNCT
gujaf-64	259	3	10.4172/2167	10.4172/2167	NUM
gujaf-64	259	4	-	-	PUNCT
gujaf-64	259	5	0234.1000305	0234.1000305	NOUN
gujaf-64	259	6	mondal	mondal	NOUN
gujaf-64	259	7	,	,	PUNCT
gujaf-64	259	8	t.	t.	PROPN
gujaf-64	259	9	(	(	PUNCT
gujaf-64	259	10	2016	2016	NUM
gujaf-64	259	11	)	)	PUNCT
gujaf-64	259	12	sensitivity	sensitivity	NOUN
gujaf-64	259	13	of	of	ADP
gujaf-64	259	14	non	non	ADJ
gujaf-64	259	15	-	-	ADJ
gujaf-64	259	16	performing	performing	ADJ
gujaf-64	259	17	loan	loan	NOUN
gujaf-64	259	18	to	to	ADP
gujaf-64	259	19	macroeconomic	macroeconomic	ADJ
gujaf-64	259	20	variables	variable	NOUN
gujaf-64	259	21	:	:	PUNCT
gujaf-64	259	22	empirical	empirical	ADJ
gujaf-64	259	23	evidence	evidence	NOUN
gujaf-64	259	24	from	from	ADP
gujaf-64	259	25	banking	bank	VERB
gujaf-64	259	26	industry	industry	NOUN
gujaf-64	259	27	in	in	ADP
gujaf-64	259	28	bangladesh	bangladesh	PROPN
gujaf-64	259	29	.	.	PUNCT
gujaf-64	260	1	global	global	ADJ
gujaf-64	260	2	journal	journal	PROPN
gujaf-64	260	3	of	of	ADP
gujaf-64	260	4	management	management	NOUN
gujaf-64	260	5	and	and	CCONJ
gujaf-64	260	6	business	business	NOUN
gujaf-64	260	7	research	research	NOUN
gujaf-64	260	8	,	,	PUNCT
gujaf-64	260	9	16	16	NUM
gujaf-64	260	10	,	,	PUNCT
gujaf-64	260	11	31	31	NUM
gujaf-64	260	12	-	-	SYM
gujaf-64	260	13	38	38	NUM
gujaf-64	260	14	.	.	PUNCT
gujaf-64	261	1	muriithi	muriithi	PROPN
gujaf-64	261	2	,	,	PUNCT
gujaf-64	261	3	m.	m.	NOUN
gujaf-64	261	4	w.	w.	PROPN
gujaf-64	261	5	(	(	PUNCT
gujaf-64	261	6	2013	2013	NUM
gujaf-64	261	7	)	)	PUNCT
gujaf-64	261	8	.	.	PUNCT
gujaf-64	262	1	the	the	DET
gujaf-64	262	2	causes	cause	NOUN
gujaf-64	262	3	of	of	ADP
gujaf-64	262	4	non	non	ADJ
gujaf-64	262	5	-	-	ADJ
gujaf-64	262	6	performing	performing	ADJ
gujaf-64	262	7	loans	loan	NOUN
gujaf-64	262	8	in	in	ADP
gujaf-64	262	9	.	.	PUNCT
gujaf-64	263	1	a	a	DET
gujaf-64	263	2	research	research	NOUN
gujaf-64	263	3	project	project	NOUN
gujaf-64	263	4	report	report	NOUN
gujaf-64	263	5	,	,	PUNCT
gujaf-64	263	6	ofori	ofori	ADJ
gujaf-64	263	7	-	-	PUNCT
gujaf-64	263	8	abebrese	abebrese	ADJ
gujaf-64	263	9	,	,	PUNCT
gujaf-64	263	10	g.	g.	PROPN
gujaf-64	263	11	,	,	PUNCT
gujaf-64	263	12	pickson	pickson	PROPN
gujaf-64	263	13	,	,	PUNCT
gujaf-64	263	14	r.	r.	PROPN
gujaf-64	263	15	b.	b.	PROPN
gujaf-64	263	16	,	,	PUNCT
gujaf-64	263	17	12and	12and	PROPN
gujaf-64	263	18	opare	opare	PROPN
gujaf-64	263	19	,	,	PUNCT
gujaf-64	263	20	e.	e.	PROPN
gujaf-64	263	21	(	(	PUNCT
gujaf-64	263	22	2016	2016	NUM
gujaf-64	263	23	)	)	PUNCT
gujaf-64	263	24	.	.	PUNCT
gujaf-64	264	1	the	the	DET
gujaf-64	264	2	effect	effect	NOUN
gujaf-64	264	3	of	of	ADP
gujaf-64	264	4	bank	bank	NOUN
gujaf-64	264	5	specific	specific	ADJ
gujaf-64	264	6	factors	factor	NOUN
gujaf-64	264	7	on	on	ADP
gujaf-64	264	8	loan	loan	NOUN
gujaf-64	264	9	performance	performance	NOUN
gujaf-64	264	10	of	of	ADP
gujaf-64	264	11	hfc	hfc	PROPN
gujaf-64	264	12	bank	bank	PROPN
gujaf-64	264	13	in	in	ADP
gujaf-64	264	14	ghana	ghana	PROPN
gujaf-64	264	15	.	.	PUNCT
gujaf-64	265	1	international	international	ADJ
gujaf-64	265	2	journal	journal	PROPN
gujaf-64	265	3	of	of	ADP
gujaf-64	265	4	economics	economic	NOUN
gujaf-64	265	5	and	and	CCONJ
gujaf-64	265	6	finance	finance	NOUN
gujaf-64	265	7	,	,	PUNCT
gujaf-64	265	8	8(7	8(7	NUM
gujaf-64	265	9	)	)	PUNCT
gujaf-64	265	10	,	,	PUNCT
gujaf-64	265	11	185	185	NUM
gujaf-64	265	12	.	.	PUNCT
gujaf-64	266	1	https://doi.org/10.5539/ijef.v8n7p185	https://doi.org/10.5539/ijef.v8n7p185	PROPN
gujaf-64	266	2	.	.	PROPN
gujaf-64	267	1	owoputi	owoputi	PROPN
gujaf-64	267	2	j.a	j.a	PROPN
gujaf-64	267	3	,	,	PUNCT
gujaf-64	267	4	kayode	kayode	PROPN
gujaf-64	267	5	o.f	o.f	PROPN
gujaf-64	267	6	and	and	CCONJ
gujaf-64	267	7	adeyefa	adeyefa	PROPN
gujaf-64	267	8	f.a	f.a	PROPN
gujaf-64	267	9	.	.	PROPN
gujaf-64	267	10	,	,	PUNCT
gujaf-64	267	11	(	(	PUNCT
gujaf-64	267	12	2014	2014	NUM
gujaf-64	267	13	)	)	PUNCT
gujaf-64	267	14	.	.	PUNCT
gujaf-64	268	1	bank	bank	PROPN
gujaf-64	268	2	specific	specific	ADJ
gujaf-64	268	3	,	,	PUNCT
gujaf-64	268	4	industry	industry	NOUN
gujaf-64	268	5	-	-	PUNCT
gujaf-64	268	6	specific	specific	ADJ
gujaf-64	268	7	and	and	CCONJ
gujaf-64	268	8	macroeconomics	macroeconomic	NOUN
gujaf-64	268	9	determinant	determinant	ADJ
gujaf-64	268	10	of	of	ADP
gujaf-64	268	11	bank	bank	NOUN
gujaf-64	268	12	profitability	profitability	NOUN
gujaf-64	268	13	in	in	ADP
gujaf-64	268	14	nigeria	nigeria	PROPN
gujaf-64	268	15	;	;	PUNCT
gujaf-64	268	16	european	european	ADJ
gujaf-64	268	17	scientific	scientific	ADJ
gujaf-64	268	18	journal	journal	NOUN
gujaf-64	268	19	.	.	PUNCT
gujaf-64	269	1	10	10	NUM
gujaf-64	269	2	(	(	PUNCT
gujaf-64	269	3	25	25	NUM
gujaf-64	269	4	)	)	PUNCT
gujaf-64	269	5	.	.	PUNCT
gujaf-64	270	1	pallavi	pallavi	PROPN
gujaf-64	270	2	c.	c.	PROPN
gujaf-64	270	3	and	and	CCONJ
gujaf-64	270	4	leonardo	leonardo	PROPN
gujaf-64	270	5	g.	g.	PROPN
gujaf-64	270	6	(	(	PUNCT
gujaf-64	270	7	2016	2016	NUM
gujaf-64	270	8	)	)	PUNCT
gujaf-64	270	9	.	.	PUNCT
gujaf-64	271	1	rbi	rbi	PROPN
gujaf-64	271	2	working	working	PROPN
gujaf-64	271	3	paper	paper	PROPN
gujaf-64	271	4	series	series	PROPN
gujaf-64	271	5	bank	bank	PROPN
gujaf-64	271	6	lending	lending	NOUN
gujaf-64	271	7	and	and	CCONJ
gujaf-64	271	8	loan	loan	NOUN
gujaf-64	271	9	quality	quality	NOUN
gujaf-64	271	10	 	 	SPACE
gujaf-64	271	11	:	:	PUNCT
gujaf-64	271	12	the	the	DET
gujaf-64	271	13	case	case	NOUN
gujaf-64	271	14	of	of	ADP
gujaf-64	271	15	india	india	PROPN
gujaf-64	271	16	.	.	PUNCT
gujaf-64	272	1	december	december	PROPN
gujaf-64	272	2	.	.	PUNCT
gujaf-64	273	1	peric	peric	PROPN
gujaf-64	273	2	,	,	PUNCT
gujaf-64	273	3	b.	b.	PROPN
gujaf-64	273	4	s.	s.	PROPN
gujaf-64	273	5	,	,	PUNCT
gujaf-64	273	6	and	and	CCONJ
gujaf-64	273	7	konjusak	konjusak	PROPN
gujaf-64	273	8	,	,	PUNCT
gujaf-64	273	9	n.	n.	NOUN
gujaf-64	273	10	(	(	PUNCT
gujaf-64	273	11	2017	2017	NUM
gujaf-64	273	12	)	)	PUNCT
gujaf-64	273	13	.	.	PUNCT
gujaf-64	274	1	how	how	SCONJ
gujaf-64	274	2	did	do	AUX
gujaf-64	274	3	rapid	rapid	ADJ
gujaf-64	274	4	credit	credit	NOUN
gujaf-64	274	5	growth	growth	NOUN
gujaf-64	274	6	cause	cause	VERB
gujaf-64	274	7	non	non	ADJ
gujaf-64	274	8	performing	perform	VERB
gujaf-64	274	9	loans	loan	NOUN
gujaf-64	274	10	in	in	ADP
gujaf-64	274	11	the	the	DET
gujaf-64	274	12	cee	cee	NOUN
gujaf-64	274	13	countries	country	NOUN
gujaf-64	274	14	?	?	PUNCT
gujaf-64	275	1	south	south	PROPN
gujaf-64	275	2	east	east	PROPN
gujaf-64	275	3	european	european	PROPN
gujaf-64	275	4	journal	journal	PROPN
gujaf-64	275	5	of	of	ADP
gujaf-64	275	6	economics	economic	NOUN
gujaf-64	275	7	and	and	CCONJ
gujaf-64	275	8	business	business	NOUN
gujaf-64	275	9	,	,	PUNCT
gujaf-64	275	10	12(2	12(2	NUM
gujaf-64	275	11	)	)	PUNCT
gujaf-64	275	12	,	,	PUNCT
gujaf-64	275	13	73–84	73–84	NOUN
gujaf-64	275	14	.	.	PUNCT
gujaf-64	276	1	https://doi.org/10.1515/jeb-2017	https://doi.org/10.1515/jeb-2017	NUM
gujaf-64	276	2	0019	0019	NUM
gujaf-64	276	3	.	.	PUNCT
gujaf-64	277	1	rajan	rajan	PROPN
gujaf-64	277	2	,	,	PUNCT
gujaf-64	277	3	r.	r.	PROPN
gujaf-64	277	4	(	(	PUNCT
gujaf-64	277	5	1994	1994	NUM
gujaf-64	277	6	)	)	PUNCT
gujaf-64	277	7	,	,	PUNCT
gujaf-64	277	8	“	"	PUNCT
gujaf-64	277	9	why	why	SCONJ
gujaf-64	277	10	bank	bank	NOUN
gujaf-64	277	11	credit	credit	NOUN
gujaf-64	277	12	policies	policy	NOUN
gujaf-64	277	13	fluctuate	fluctuate	NOUN
gujaf-64	277	14	”	"	PUNCT
gujaf-64	277	15	,	,	PUNCT
gujaf-64	277	16	the	the	DET
gujaf-64	277	17	quarterly	quarterly	ADJ
gujaf-64	277	18	journal	journal	NOUN
gujaf-64	277	19	of	of	ADP
gujaf-64	277	20	economics	economic	NOUN
gujaf-64	277	21	,	,	PUNCT
gujaf-64	277	22	vol	vol	NOUN
gujaf-64	277	23	.	.	NOUN
gujaf-64	277	24	2	2	NUM
gujaf-64	278	1	no	no	NOUN
gujaf-64	278	2	.	.	NOUN
gujaf-64	279	1	109	109	NUM
gujaf-64	279	2	,	,	PUNCT
gujaf-64	279	3	pp	pp	ADJ
gujaf-64	279	4	.	.	PUNCT
gujaf-64	280	1	399	399	NUM
gujaf-64	280	2	-	-	SYM
gujaf-64	280	3	441	441	NUM
gujaf-64	280	4	.	.	PUNCT
gujaf-64	281	1	rathria	rathria	PROPN
gujaf-64	281	2	r.	r.	PROPN
gujaf-64	281	3	,	,	PUNCT
gujaf-64	281	4	yohanes	yohanes	PROPN
gujaf-64	281	5	k.	k.	PROPN
gujaf-64	281	6	,	,	PUNCT
gujaf-64	281	7	kevin	kevin	PROPN
gujaf-64	281	8	a.	a.	PROPN
gujaf-64	281	9	,	,	PUNCT
gujaf-64	281	10	and	and	CCONJ
gujaf-64	281	11	robertus	robertus	PROPN
gujaf-64	281	12	s.	s.	PROPN
gujaf-64	281	13	,	,	PUNCT
gujaf-64	281	14	(	(	PUNCT
gujaf-64	281	15	2018	2018	NUM
gujaf-64	281	16	)	)	PUNCT
gujaf-64	281	17	.	.	PUNCT
gujaf-64	282	1	bank	bank	NOUN
gujaf-64	282	2	-	-	PUNCT
gujaf-64	282	3	specific	specific	ADJ
gujaf-64	282	4	factors	factor	NOUN
gujaf-64	282	5	affecting	affect	VERB
gujaf-64	282	6	non	non	ADJ
gujaf-64	282	7	-	-	ADJ
gujaf-64	282	8	performing	performing	ADJ
gujaf-64	282	9	loans	loan	NOUN
gujaf-64	282	10	in	in	ADP
gujaf-64	282	11	developing	develop	VERB
gujaf-64	282	12	countries	country	NOUN
gujaf-64	282	13	:	:	PUNCT
gujaf-64	282	14	case	case	NOUN
gujaf-64	282	15	study	study	NOUN
gujaf-64	282	16	of	of	ADP
gujaf-64	282	17	indonesia	indonesia	PROPN
gujaf-64	282	18	.	.	PUNCT
gujaf-64	283	1	the	the	DET
gujaf-64	283	2	journal	journal	NOUN
gujaf-64	283	3	of	of	ADP
gujaf-64	283	4	asian	asian	ADJ
gujaf-64	283	5	finance	finance	NOUN
gujaf-64	283	6	,	,	PUNCT
gujaf-64	283	7	economics	economic	NOUN
gujaf-64	283	8	and	and	CCONJ
gujaf-64	283	9	business	business	NOUN
gujaf-64	283	10	5(2	5(2	NUM
gujaf-64	283	11	)	)	PUNCT
gujaf-64	283	12	35	35	NUM
gujaf-64	283	13	45	45	NUM
gujaf-64	283	14	.	.	PUNCT
gujaf-64	284	1	10.13106	10.13106	NUM
gujaf-64	284	2	/	/	SYM
gujaf-64	285	1	jafeb.2018	jafeb.2018	PROPN
gujaf-64	285	2	.	.	PUNCT
gujaf-64	285	3	gusau	gusau	PROPN
gujaf-64	285	4	journal	journal	PROPN
gujaf-64	285	5	of	of	ADP
gujaf-64	285	6	accounting	accounting	NOUN
gujaf-64	285	7	and	and	CCONJ
gujaf-64	285	8	finance	finance	NOUN
gujaf-64	285	9	,	,	PUNCT
gujaf-64	285	10	vol	vol	NOUN
gujaf-64	285	11	.	.	PROPN
gujaf-64	285	12	2	2	NUM
gujaf-64	285	13	,	,	PUNCT
gujaf-64	285	14	issue	issue	NOUN
gujaf-64	285	15	2	2	NUM
gujaf-64	285	16	,	,	PUNCT
gujaf-64	285	17	april	april	PROPN
gujaf-64	285	18	,	,	PUNCT
gujaf-64	285	19	2021	2021	NUM
gujaf-64	285	20	13	13	NUM
gujaf-64	285	21	salas	sala	NOUN
gujaf-64	285	22	,	,	PUNCT
gujaf-64	285	23	v.	v.	ADV
gujaf-64	285	24	,	,	PUNCT
gujaf-64	285	25	and	and	CCONJ
gujaf-64	285	26	saurina	saurina	PROPN
gujaf-64	285	27	,	,	PUNCT
gujaf-64	285	28	j.	j.	PROPN
gujaf-64	285	29	,	,	PUNCT
gujaf-64	285	30	(	(	PUNCT
gujaf-64	285	31	2002	2002	NUM
gujaf-64	285	32	)	)	PUNCT
gujaf-64	285	33	„	„	PUNCT
gujaf-64	285	34	credit	credit	NOUN
gujaf-64	285	35	risk	risk	NOUN
gujaf-64	285	36	in	in	ADP
gujaf-64	285	37	two	two	NUM
gujaf-64	285	38	institutional	institutional	ADJ
gujaf-64	285	39	regimes	regime	NOUN
gujaf-64	285	40	:	:	PUNCT
gujaf-64	285	41	spanish	spanish	ADJ
gujaf-64	285	42	commercial	commercial	NOUN
gujaf-64	285	43	and	and	CCONJ
gujaf-64	285	44	savings	saving	NOUN
gujaf-64	285	45	banks‟	banks‟	PROPN
gujaf-64	285	46	,	,	PUNCT
gujaf-64	285	47	journal	journal	NOUN
gujaf-64	285	48	of	of	ADP
gujaf-64	285	49	financial	financial	ADJ
gujaf-64	285	50	services	service	NOUN
gujaf-64	285	51	research	research	NOUN
gujaf-64	285	52	,	,	PUNCT
gujaf-64	285	53	22(3	22(3	NUM
gujaf-64	285	54	)	)	PUNCT
gujaf-64	285	55	,	,	PUNCT
gujaf-64	285	56	203–224	203–224	NUM
gujaf-64	285	57	.	.	PUNCT
gujaf-64	286	1	sharafeddine	sharafeddine	PROPN
gujaf-64	286	2	,	,	PUNCT
gujaf-64	286	3	r.i	r.i	PROPN
gujaf-64	286	4	.	.	PROPN
gujaf-64	286	5	,	,	PUNCT
gujaf-64	286	6	(	(	PUNCT
gujaf-64	286	7	2015	2015	NUM
gujaf-64	286	8	)	)	PUNCT
gujaf-64	286	9	.	.	PUNCT
gujaf-64	287	1	the	the	DET
gujaf-64	287	2	economic	economic	ADJ
gujaf-64	287	3	power	power	NOUN
gujaf-64	287	4	of	of	ADP
gujaf-64	287	5	money	money	NOUN
gujaf-64	287	6	creation	creation	NOUN
gujaf-64	287	7	;	;	PUNCT
gujaf-64	287	8	doctoral	doctoral	ADJ
gujaf-64	287	9	program	program	NOUN
gujaf-64	287	10	of	of	ADP
gujaf-64	287	11	economics	economic	NOUN
gujaf-64	287	12	science	science	NOUN
gujaf-64	287	13	,	,	PUNCT
gujaf-64	287	14	faculty	faculty	NOUN
gujaf-64	287	15	of	of	ADP
gujaf-64	287	16	economics	economic	NOUN
gujaf-64	287	17	and	and	CCONJ
gujaf-64	287	18	business	business	NOUN
gujaf-64	287	19	,	,	PUNCT
gujaf-64	287	20	jinan	jinan	PROPN
gujaf-64	287	21	university	university	PROPN
gujaf-64	287	22	,	,	PUNCT
gujaf-64	287	23	lebanon	lebanon	PROPN
gujaf-64	287	24	.	.	PUNCT
gujaf-64	288	1	sheefeni	sheefeni	PROPN
gujaf-64	288	2	,	,	PUNCT
gujaf-64	288	3	j.p.s	j.p.s	PROPN
gujaf-64	288	4	.	.	PROPN
gujaf-64	288	5	,	,	PUNCT
gujaf-64	288	6	(	(	PUNCT
gujaf-64	288	7	2016	2016	NUM
gujaf-64	288	8	)	)	PUNCT
gujaf-64	288	9	.	.	PUNCT
gujaf-64	289	1	the	the	DET
gujaf-64	289	2	effects	effect	NOUN
gujaf-64	289	3	of	of	ADP
gujaf-64	289	4	interest	interest	NOUN
gujaf-64	289	5	income	income	NOUN
gujaf-64	289	6	spread	spread	VERB
gujaf-64	289	7	on	on	ADP
gujaf-64	289	8	non	non	ADJ
gujaf-64	289	9	-	-	ADJ
gujaf-64	289	10	performing	performing	ADJ
gujaf-64	289	11	loans	loan	NOUN
gujaf-64	289	12	in	in	ADP
gujaf-64	289	13	namibia	namibia	PROPN
gujaf-64	289	14	.	.	PUNCT
gujaf-64	290	1	european	european	PROPN
gujaf-64	290	2	journal	journal	PROPN
gujaf-64	290	3	of	of	ADP
gujaf-64	290	4	business	business	NOUN
gujaf-64	290	5	,	,	PUNCT
gujaf-64	290	6	economics	economic	NOUN
gujaf-64	290	7	and	and	CCONJ
gujaf-64	290	8	accountancy	accountancy	NOUN
gujaf-64	290	9	4(5	4(5	PROPN
gujaf-64	290	10	)	)	PUNCT
gujaf-64	290	11	,	,	PUNCT
gujaf-64	290	12	2056	2056	NUM
gujaf-64	290	13	-	-	SYM
gujaf-64	290	14	6018	6018	NUM
gujaf-64	290	15	swamy	swamy	NOUN
gujaf-64	290	16	,	,	PUNCT
gujaf-64	290	17	v.	v.	PROPN
gujaf-64	290	18	(	(	PUNCT
gujaf-64	290	19	2015	2015	NUM
gujaf-64	290	20	)	)	PUNCT
gujaf-64	290	21	.	.	PUNCT
gujaf-64	291	1	modelling	model	VERB
gujaf-64	291	2	bank	bank	NOUN
gujaf-64	291	3	asset	asset	NOUN
gujaf-64	291	4	quality	quality	NOUN
gujaf-64	291	5	and	and	CCONJ
gujaf-64	291	6	profitability	profitability	NOUN
gujaf-64	291	7	:	:	PUNCT
gujaf-64	291	8	an	an	DET
gujaf-64	291	9	empirical	empirical	ADJ
gujaf-64	291	10	assessment	assessment	NOUN
gujaf-64	291	11	.	.	PUNCT
gujaf-64	292	1	economics	economic	NOUN
gujaf-64	292	2	discussion	discussion	NOUN
gujaf-64	292	3	papers	paper	NOUN
gujaf-64	292	4	,	,	PUNCT
gujaf-64	292	5	no	no	DET
gujaf-64	292	6	2015	2015	NUM
gujaf-64	292	7	-	-	SYM
gujaf-64	292	8	27	27	NUM
gujaf-64	292	9	,	,	PUNCT
gujaf-64	292	10	kiel	kiel	PROPN
gujaf-64	292	11	institute	institute	PROPN
gujaf-64	292	12	for	for	ADP
gujaf-64	292	13	the	the	DET
gujaf-64	292	14	world	world	NOUN
gujaf-64	292	15	economy	economy	NOUN
gujaf-64	292	16	.	.	PUNCT
gujaf-64	293	1	http://www.economics-ejournal.org/economics/discussionpapers/2015-27	http://www.economics-ejournal.org/economics/discussionpapers/2015-27	PROPN
gujaf-64	293	2	.	.	PUNCT
gujaf-64	294	1	tehula	tehula	PROPN
gujaf-64	294	2	,	,	PUNCT
gujaf-64	294	3	t.	t.	NOUN
gujaf-64	294	4	a.	a.	NOUN
gujaf-64	294	5	,	,	PUNCT
gujaf-64	294	6	and	and	CCONJ
gujaf-64	294	7	olana	olana	PROPN
gujaf-64	294	8	,	,	PUNCT
gujaf-64	294	9	d.	d.	PROPN
gujaf-64	294	10	r.	r.	PROPN
gujaf-64	294	11	(	(	PUNCT
gujaf-64	294	12	2014	2014	NUM
gujaf-64	294	13	)	)	PUNCT
gujaf-64	294	14	.	.	PUNCT
gujaf-64	295	1	bank	bank	NOUN
gujaf-64	295	2	-	-	PUNCT
gujaf-64	295	3	specific	specific	ADJ
gujaf-64	295	4	determinants	determinant	NOUN
gujaf-64	295	5	of	of	ADP
gujaf-64	295	6	credit	credit	NOUN
gujaf-64	295	7	risk	risk	NOUN
gujaf-64	295	8	:	:	PUNCT
gujaf-64	295	9	empirical	empirical	ADJ
gujaf-64	295	10	evidence	evidence	NOUN
gujaf-64	295	11	from	from	ADP
gujaf-64	295	12	ethiopian	ethiopian	ADJ
gujaf-64	295	13	banks	bank	NOUN
gujaf-64	295	14	.	.	PUNCT
gujaf-64	296	1	research	research	NOUN
gujaf-64	296	2	journal	journal	PROPN
gujaf-64	296	3	of	of	ADP
gujaf-64	296	4	finance	finance	NOUN
gujaf-64	296	5	and	and	CCONJ
gujaf-64	296	6	accounting	accounting	NOUN
gujaf-64	296	7	,	,	PUNCT
gujaf-64	296	8	5(7	5(7	NUM
gujaf-64	296	9	)	)	PUNCT
gujaf-64	296	10	,	,	PUNCT
gujaf-64	296	11	80	80	NUM
gujaf-64	296	12	-	-	SYM
gujaf-64	296	13	85	85	NUM
gujaf-64	296	14	.	.	PUNCT
gujaf-64	297	1	timothy	timothy	PROPN
gujaf-64	297	2	,	,	PUNCT
gujaf-64	297	3	a.	a.	PROPN
gujaf-64	297	4	j	j	PROPN
gujaf-64	297	5	(	(	PUNCT
gujaf-64	297	6	2018	2018	NUM
gujaf-64	297	7	)	)	PUNCT
gujaf-64	297	8	effect	effect	NOUN
gujaf-64	297	9	of	of	ADP
gujaf-64	297	10	non	non	ADJ
gujaf-64	297	11	-	-	ADJ
gujaf-64	297	12	performing	performing	ADJ
gujaf-64	297	13	loans	loan	NOUN
gujaf-64	297	14	on	on	ADP
gujaf-64	297	15	bank	bank	NOUN
gujaf-64	297	16	performance	performance	NOUN
gujaf-64	297	17	of	of	ADP
gujaf-64	297	18	some	some	DET
gujaf-64	297	19	selected	select	VERB
gujaf-64	297	20	commercial	commercial	ADJ
gujaf-64	297	21	bank	bank	NOUN
gujaf-64	297	22	in	in	ADP
gujaf-64	297	23	the	the	DET
gujaf-64	297	24	nigerian	nigerian	ADJ
gujaf-64	297	25	banking	banking	NOUN
gujaf-64	297	26	sector	sector	NOUN
gujaf-64	297	27	;	;	PUNCT
gujaf-64	297	28	international	international	ADJ
gujaf-64	297	29	journal	journal	NOUN
gujaf-64	297	30	of	of	ADP
gujaf-64	297	31	new	new	ADJ
gujaf-64	297	32	technology	technology	NOUN
gujaf-64	297	33	and	and	CCONJ
gujaf-64	297	34	research	research	NOUN
gujaf-64	297	35	(	(	PUNCT
gujaf-64	297	36	ijntr	ijntr	PROPN
gujaf-64	297	37	)	)	PUNCT
gujaf-64	297	38	issn	issn	PROPN
gujaf-64	297	39	:	:	PUNCT
gujaf-64	297	40	2454	2454	NUM
gujaf-64	297	41	-4116	-4116	PROPN
gujaf-64	297	42	,	,	PUNCT
gujaf-64	297	43	4	4	NUM
gujaf-64	297	44	,	,	PUNCT
gujaf-64	297	45	11	11	NUM
gujaf-64	297	46	-	-	SYM
gujaf-64	297	47	17	17	NUM
gujaf-64	297	48	ugoani	ugoani	NOUN
gujaf-64	297	49	,	,	PUNCT
gujaf-64	297	50	j.	j.	PROPN
gujaf-64	297	51	n.	n.	PROPN
gujaf-64	297	52	n.	n.	PROPN
gujaf-64	297	53	(	(	PUNCT
gujaf-64	297	54	2016	2016	NUM
gujaf-64	297	55	)	)	PUNCT
gujaf-64	297	56	.	.	PUNCT
gujaf-64	298	1	nonperforming	nonperforme	VERB
gujaf-64	298	2	loans	loan	NOUN
gujaf-64	298	3	portfolio	portfolio	NOUN
gujaf-64	298	4	and	and	CCONJ
gujaf-64	298	5	its	its	PRON
gujaf-64	298	6	effect	effect	NOUN
gujaf-64	298	7	on	on	ADP
gujaf-64	298	8	bank	bank	NOUN
gujaf-64	298	9	profitability	profitability	NOUN
gujaf-64	298	10	in	in	ADP
gujaf-64	298	11	nigeria	nigeria	PROPN
gujaf-64	298	12	.	.	PUNCT
gujaf-64	299	1	independent	independent	ADJ
gujaf-64	299	2	journal	journal	PROPN
gujaf-64	299	3	of	of	ADP
gujaf-64	299	4	management	management	NOUN
gujaf-64	299	5	&	&	CCONJ
gujaf-64	299	6	production	production	NOUN
gujaf-64	299	7	,	,	PUNCT
gujaf-64	299	8	7(2	7(2	NUM
gujaf-64	299	9	)	)	PUNCT
gujaf-64	299	10	,	,	PUNCT
gujaf-64	299	11	303–319	303–319	NUM
gujaf-64	299	12	.	.	PUNCT
gujaf-64	300	1	https://doi.org/10.14807/ijmp.v7i2.406	https://doi.org/10.14807/ijmp.v7i2.406	NOUN
gujaf-64	300	2	warue	warue	NOUN
gujaf-64	300	3	,	,	PUNCT
gujaf-64	300	4	b.	b.	PROPN
gujaf-64	300	5	n.	n.	PROPN
gujaf-64	300	6	(	(	PUNCT
gujaf-64	300	7	2013	2013	NUM
gujaf-64	300	8	)	)	PUNCT
gujaf-64	300	9	.	.	PUNCT
gujaf-64	301	1	the	the	DET
gujaf-64	301	2	effects	effect	NOUN
gujaf-64	301	3	of	of	ADP
gujaf-64	301	4	bank	bank	NOUN
gujaf-64	301	5	specific	specific	ADJ
gujaf-64	301	6	and	and	CCONJ
gujaf-64	301	7	macroeconomic	macroeconomic	ADJ
gujaf-64	301	8	factors	factor	NOUN
gujaf-64	301	9	of	of	ADP
gujaf-64	301	10	nonperforming	nonperforme	VERB
gujaf-64	301	11	loans	loan	NOUN
gujaf-64	301	12	in	in	ADP
gujaf-64	301	13	commercial	commercial	ADJ
gujaf-64	301	14	banks	bank	NOUN
gujaf-64	301	15	in	in	ADP
gujaf-64	301	16	kenya	kenya	PROPN
gujaf-64	301	17	 	 	SPACE
gujaf-64	301	18	:	:	PUNCT
gujaf-64	301	19	a	a	DET
gujaf-64	301	20	comparative	comparative	ADJ
gujaf-64	301	21	panel	panel	NOUN
gujaf-64	301	22	data	data	VERB
gujaf-64	301	23	analysis.advances	analysis.advance	NOUN
gujaf-64	301	24	in	in	ADP
gujaf-64	301	25	management	management	NOUN
gujaf-64	301	26	and	and	CCONJ
gujaf-64	301	27	applied	apply	VERB
gujaf-64	301	28	economics	economic	NOUN
gujaf-64	301	29	,	,	PUNCT
gujaf-64	301	30	3(2	3(2	NUM
gujaf-64	301	31	)	)	PUNCT
gujaf-64	301	32	,	,	PUNCT
gujaf-64	301	33	135–164	135–164	NUM
gujaf-64	301	34	.	.	PUNCT