id	sid	tid	token	lemma	pos
gujaf-88	1	1	1	1	NUM
gujaf-88	1	2	gusau	gusau	ADJ
gujaf-88	1	3	journal	journal	NOUN
gujaf-88	1	4	of	of	ADP
gujaf-88	1	5	accounting	accounting	NOUN
gujaf-88	1	6	and	and	CCONJ
gujaf-88	1	7	finance	finance	NOUN
gujaf-88	1	8	(	(	PUNCT
gujaf-88	1	9	gujaf	gujaf	NOUN
gujaf-88	1	10	)	)	PUNCT
gujaf-88	1	11	vol	vol	NOUN
gujaf-88	1	12	.	.	NOUN
gujaf-88	1	13	2	2	NUM
gujaf-88	1	14	issue	issue	NOUN
gujaf-88	1	15	4	4	NUM
gujaf-88	1	16	,	,	PUNCT
gujaf-88	1	17	october	october	PROPN
gujaf-88	1	18	,	,	PUNCT
gujaf-88	1	19	2021	2021	NUM
gujaf-88	1	20	issn	issn	X
gujaf-88	1	21	:	:	PUNCT
gujaf-88	1	22	2756	2756	NUM
gujaf-88	1	23	-	-	PUNCT
gujaf-88	1	24	665x	665x	NOUN
gujaf-88	1	25	a	a	DET
gujaf-88	1	26	publication	publication	NOUN
gujaf-88	1	27	of	of	ADP
gujaf-88	1	28	department	department	NOUN
gujaf-88	1	29	of	of	ADP
gujaf-88	1	30	accounting	accounting	NOUN
gujaf-88	1	31	and	and	CCONJ
gujaf-88	1	32	finance	finance	NOUN
gujaf-88	1	33	,	,	PUNCT
gujaf-88	1	34	faculty	faculty	NOUN
gujaf-88	1	35	of	of	ADP
gujaf-88	1	36	management	management	NOUN
gujaf-88	1	37	and	and	CCONJ
gujaf-88	1	38	social	social	ADJ
gujaf-88	1	39	sciences	science	NOUN
gujaf-88	1	40	,	,	PUNCT
gujaf-88	1	41	federal	federal	ADJ
gujaf-88	1	42	university	university	NOUN
gujaf-88	1	43	gusau	gusau	NOUN
gujaf-88	1	44	,	,	PUNCT
gujaf-88	1	45	zamfara	zamfara	PROPN
gujaf-88	1	46	state	state	PROPN
gujaf-88	1	47	–	–	PUNCT
gujaf-88	1	48	nigeria	nigeria	PROPN
gujaf-88	1	49	2	2	NUM
gujaf-88	1	50	effect	effect	NOUN
gujaf-88	1	51	of	of	ADP
gujaf-88	1	52	bank	bank	NOUN
gujaf-88	1	53	specific	specific	ADJ
gujaf-88	1	54	and	and	CCONJ
gujaf-88	1	55	macro	macro	ADJ
gujaf-88	1	56	-	-	ADJ
gujaf-88	1	57	economic	economic	ADJ
gujaf-88	1	58	factors	factor	NOUN
gujaf-88	1	59	on	on	ADP
gujaf-88	1	60	nonperforming	nonperforme	VERB
gujaf-88	1	61	loans	loan	NOUN
gujaf-88	1	62	of	of	ADP
gujaf-88	1	63	listed	list	VERB
gujaf-88	1	64	deposit	deposit	NOUN
gujaf-88	1	65	money	money	NOUN
gujaf-88	1	66	banks	bank	NOUN
gujaf-88	1	67	in	in	ADP
gujaf-88	1	68	nigeria	nigeria	PROPN
gujaf-88	1	69	mohammad	mohammad	PROPN
gujaf-88	1	70	sani	sani	PROPN
gujaf-88	1	71	adamu	adamu	PROPN
gujaf-88	1	72	accounting	accounting	PROPN
gujaf-88	1	73	department	department	PROPN
gujaf-88	1	74	federal	federal	PROPN
gujaf-88	1	75	university	university	PROPN
gujaf-88	1	76	gashua	gashua	PROPN
gujaf-88	1	77	babayaro.bm@gmail.com	babayaro.bm@gmail.com	PROPN
gujaf-88	1	78	.	.	PUNCT
gujaf-88	2	1	zacchaeus	zacchaeus	PROPN
gujaf-88	2	2	oluwaseyi	oluwaseyi	VERB
gujaf-88	2	3	john	john	PROPN
gujaf-88	2	4	department	department	PROPN
gujaf-88	2	5	of	of	ADP
gujaf-88	2	6	accounting	account	VERB
gujaf-88	2	7	ahmadu	ahmadu	PROPN
gujaf-88	2	8	bello	bello	PROPN
gujaf-88	2	9	university	university	PROPN
gujaf-88	2	10	,	,	PUNCT
gujaf-88	2	11	zaria	zaria	PROPN
gujaf-88	2	12	.	.	PUNCT
gujaf-88	2	13	johnnyzack1992@gmail.com	johnnyzack1992@gmail.com	PROPN
gujaf-88	3	1	muazu	muazu	PROPN
gujaf-88	3	2	saidu	saidu	PROPN
gujaf-88	3	3	badara	badara	PROPN
gujaf-88	3	4	department	department	PROPN
gujaf-88	3	5	of	of	ADP
gujaf-88	3	6	accounting	account	VERB
gujaf-88	3	7	ahmadu	ahmadu	PROPN
gujaf-88	3	8	bello	bello	PROPN
gujaf-88	3	9	university	university	PROPN
gujaf-88	3	10	,	,	PUNCT
gujaf-88	3	11	zaria	zaria	PROPN
gujaf-88	3	12	.	.	PUNCT
gujaf-88	4	1	muazubadara@yahoo.com	muazubadara@yahoo.com	X
gujaf-88	5	1	abstract	abstract	ADJ
gujaf-88	5	2	the	the	DET
gujaf-88	5	3	level	level	NOUN
gujaf-88	5	4	of	of	ADP
gujaf-88	5	5	non	non	ADJ
gujaf-88	5	6	-	-	ADJ
gujaf-88	5	7	performing	performing	ADJ
gujaf-88	5	8	loan	loan	NOUN
gujaf-88	5	9	in	in	ADP
gujaf-88	5	10	nigeria	nigeria	PROPN
gujaf-88	5	11	has	have	VERB
gujaf-88	5	12	being	be	AUX
gujaf-88	5	13	on	on	ADP
gujaf-88	5	14	the	the	DET
gujaf-88	5	15	increase	increase	NOUN
gujaf-88	5	16	without	without	ADP
gujaf-88	5	17	adequate	adequate	ADJ
gujaf-88	5	18	empirical	empirical	ADJ
gujaf-88	5	19	evidence	evidence	NOUN
gujaf-88	5	20	to	to	PART
gujaf-88	5	21	explain	explain	VERB
gujaf-88	5	22	or	or	CCONJ
gujaf-88	5	23	arrest	arrest	VERB
gujaf-88	5	24	this	this	DET
gujaf-88	5	25	ugly	ugly	ADJ
gujaf-88	5	26	situation	situation	NOUN
gujaf-88	5	27	.	.	PUNCT
gujaf-88	6	1	credit	credit	NOUN
gujaf-88	6	2	risk	risk	NOUN
gujaf-88	6	3	is	be	AUX
gujaf-88	6	4	one	one	NUM
gujaf-88	6	5	of	of	ADP
gujaf-88	6	6	the	the	DET
gujaf-88	6	7	prominent	prominent	ADJ
gujaf-88	6	8	areas	area	NOUN
gujaf-88	6	9	of	of	ADP
gujaf-88	6	10	focus	focus	NOUN
gujaf-88	6	11	both	both	CCONJ
gujaf-88	6	12	by	by	ADP
gujaf-88	6	13	the	the	DET
gujaf-88	6	14	individual	individual	ADJ
gujaf-88	6	15	money	money	NOUN
gujaf-88	6	16	deposit	deposit	NOUN
gujaf-88	6	17	banks	bank	NOUN
gujaf-88	6	18	as	as	ADV
gujaf-88	6	19	well	well	ADV
gujaf-88	6	20	as	as	ADP
gujaf-88	6	21	the	the	DET
gujaf-88	6	22	regulatory	regulatory	ADJ
gujaf-88	6	23	bodies	body	NOUN
gujaf-88	6	24	.	.	PUNCT
gujaf-88	7	1	the	the	DET
gujaf-88	7	2	risk	risk	NOUN
gujaf-88	7	3	of	of	ADP
gujaf-88	7	4	default	default	NOUN
gujaf-88	7	5	is	be	AUX
gujaf-88	7	6	often	often	ADV
gujaf-88	7	7	associated	associate	VERB
gujaf-88	7	8	with	with	ADP
gujaf-88	7	9	loan	loan	NOUN
gujaf-88	7	10	disbursement	disbursement	NOUN
gujaf-88	7	11	.	.	PUNCT
gujaf-88	8	1	hence	hence	ADV
gujaf-88	8	2	,	,	PUNCT
gujaf-88	8	3	this	this	DET
gujaf-88	8	4	study	study	NOUN
gujaf-88	8	5	considered	consider	VERB
gujaf-88	8	6	the	the	DET
gujaf-88	8	7	impact	impact	NOUN
gujaf-88	8	8	of	of	ADP
gujaf-88	8	9	bank	bank	NOUN
gujaf-88	8	10	specific	specific	ADJ
gujaf-88	8	11	and	and	CCONJ
gujaf-88	8	12	macroeconomic	macroeconomic	ADJ
gujaf-88	8	13	factors	factor	NOUN
gujaf-88	8	14	on	on	ADP
gujaf-88	8	15	nonperforming	nonperforme	VERB
gujaf-88	8	16	loans	loan	NOUN
gujaf-88	8	17	in	in	ADP
gujaf-88	8	18	nigeria	nigeria	PROPN
gujaf-88	8	19	from	from	ADP
gujaf-88	8	20	2008	2008	NUM
gujaf-88	8	21	-	-	SYM
gujaf-88	8	22	2020	2020	NUM
gujaf-88	8	23	.	.	PUNCT
gujaf-88	9	1	the	the	DET
gujaf-88	9	2	study	study	NOUN
gujaf-88	9	3	made	make	VERB
gujaf-88	9	4	use	use	NOUN
gujaf-88	9	5	of	of	ADP
gujaf-88	9	6	time	time	NOUN
gujaf-88	9	7	series	series	PROPN
gujaf-88	9	8	data	datum	NOUN
gujaf-88	9	9	obtained	obtain	VERB
gujaf-88	9	10	from	from	ADP
gujaf-88	9	11	the	the	DET
gujaf-88	9	12	central	central	ADJ
gujaf-88	9	13	bank	bank	PROPN
gujaf-88	9	14	of	of	ADP
gujaf-88	9	15	nigeria	nigeria	PROPN
gujaf-88	9	16	statistical	statistical	ADJ
gujaf-88	9	17	bulletin	bulletin	NOUN
gujaf-88	9	18	and	and	CCONJ
gujaf-88	9	19	disaggregated	disaggregate	VERB
gujaf-88	9	20	data	datum	NOUN
gujaf-88	9	21	collected	collect	VERB
gujaf-88	9	22	from	from	ADP
gujaf-88	9	23	12	12	NUM
gujaf-88	9	24	quoted	quote	VERB
gujaf-88	9	25	money	money	NOUN
gujaf-88	9	26	deposit	deposit	NOUN
gujaf-88	9	27	banks	bank	NOUN
gujaf-88	9	28	in	in	ADP
gujaf-88	9	29	nigeria	nigeria	PROPN
gujaf-88	9	30	.	.	PUNCT
gujaf-88	10	1	regression	regression	NOUN
gujaf-88	10	2	analysis	analysis	NOUN
gujaf-88	10	3	was	be	AUX
gujaf-88	10	4	employed	employ	VERB
gujaf-88	10	5	after	after	SCONJ
gujaf-88	10	6	all	all	DET
gujaf-88	10	7	diagnostic	diagnostic	ADJ
gujaf-88	10	8	tests	test	NOUN
gujaf-88	10	9	have	have	AUX
gujaf-88	10	10	been	be	AUX
gujaf-88	10	11	well	well	ADV
gujaf-88	10	12	accounted	account	VERB
gujaf-88	10	13	for	for	ADP
gujaf-88	10	14	.	.	PUNCT
gujaf-88	11	1	the	the	DET
gujaf-88	11	2	stata13	stata13	PROPN
gujaf-88	11	3	output	output	NOUN
gujaf-88	11	4	revealed	reveal	VERB
gujaf-88	11	5	that	that	SCONJ
gujaf-88	11	6	capital	capital	NOUN
gujaf-88	11	7	adequacy	adequacy	NOUN
gujaf-88	11	8	ratio	ratio	NOUN
gujaf-88	11	9	and	and	CCONJ
gujaf-88	11	10	lending	lending	NOUN
gujaf-88	11	11	rate	rate	NOUN
gujaf-88	11	12	has	have	VERB
gujaf-88	11	13	insignificant	insignificant	ADJ
gujaf-88	11	14	and	and	CCONJ
gujaf-88	11	15	significant	significant	ADJ
gujaf-88	11	16	negative	negative	ADJ
gujaf-88	11	17	impact	impact	NOUN
gujaf-88	11	18	on	on	ADP
gujaf-88	11	19	nonperforming	nonperforme	VERB
gujaf-88	11	20	loans	loan	NOUN
gujaf-88	11	21	respectively	respectively	ADV
gujaf-88	11	22	while	while	SCONJ
gujaf-88	11	23	,	,	PUNCT
gujaf-88	11	24	loan	loan	NOUN
gujaf-88	11	25	-	-	PUNCT
gujaf-88	11	26	deposit	deposit	NOUN
gujaf-88	11	27	-	-	PUNCT
gujaf-88	11	28	ratio	ratio	NOUN
gujaf-88	11	29	and	and	CCONJ
gujaf-88	11	30	crude	crude	ADJ
gujaf-88	11	31	oil	oil	NOUN
gujaf-88	11	32	price	price	NOUN
gujaf-88	11	33	has	have	VERB
gujaf-88	11	34	insignificant	insignificant	ADJ
gujaf-88	11	35	and	and	CCONJ
gujaf-88	11	36	significant	significant	ADJ
gujaf-88	11	37	positive	positive	ADJ
gujaf-88	11	38	impact	impact	NOUN
gujaf-88	11	39	on	on	ADP
gujaf-88	11	40	nonperforming	nonperforme	VERB
gujaf-88	11	41	loans	loan	NOUN
gujaf-88	11	42	of	of	ADP
gujaf-88	11	43	the	the	DET
gujaf-88	11	44	commercial	commercial	ADJ
gujaf-88	11	45	banks	bank	NOUN
gujaf-88	11	46	.	.	PUNCT
gujaf-88	12	1	the	the	DET
gujaf-88	12	2	study	study	NOUN
gujaf-88	12	3	recommends	recommend	VERB
gujaf-88	12	4	diversification	diversification	NOUN
gujaf-88	12	5	of	of	ADP
gujaf-88	12	6	loan	loan	NOUN
gujaf-88	12	7	portfolios	portfolio	NOUN
gujaf-88	12	8	,	,	PUNCT
gujaf-88	12	9	increase	increase	NOUN
gujaf-88	12	10	in	in	ADP
gujaf-88	12	11	prime	prime	ADJ
gujaf-88	12	12	lending	lending	NOUN
gujaf-88	12	13	rate	rate	NOUN
gujaf-88	12	14	among	among	ADP
gujaf-88	12	15	others	other	NOUN
gujaf-88	12	16	.	.	PUNCT
gujaf-88	13	1	key	key	ADJ
gujaf-88	13	2	words	word	NOUN
gujaf-88	13	3	:	:	PUNCT
gujaf-88	13	4	nonperforming	nonperforme	VERB
gujaf-88	13	5	loans	loan	NOUN
gujaf-88	13	6	,	,	PUNCT
gujaf-88	13	7	crude	crude	ADJ
gujaf-88	13	8	oil	oil	NOUN
gujaf-88	13	9	price	price	NOUN
gujaf-88	13	10	,	,	PUNCT
gujaf-88	13	11	lending	lending	NOUN
gujaf-88	13	12	rate	rate	NOUN
gujaf-88	13	13	,	,	PUNCT
gujaf-88	13	14	loan	loan	NOUN
gujaf-88	13	15	-	-	PUNCT
gujaf-88	13	16	deposit	deposit	NOUN
gujaf-88	13	17	ratio	ratio	NOUN
gujaf-88	13	18	,	,	PUNCT
gujaf-88	13	19	nigeria	nigeria	PROPN
gujaf-88	13	20	1	1	NUM
gujaf-88	13	21	.	.	PUNCT
gujaf-88	14	1	introduction	introduction	NOUN
gujaf-88	14	2	commercial	commercial	ADJ
gujaf-88	14	3	banks	bank	NOUN
gujaf-88	14	4	play	play	VERB
gujaf-88	14	5	a	a	DET
gujaf-88	14	6	vital	vital	ADJ
gujaf-88	14	7	role	role	NOUN
gujaf-88	14	8	in	in	ADP
gujaf-88	14	9	financial	financial	ADJ
gujaf-88	14	10	intermediation	intermediation	NOUN
gujaf-88	14	11	which	which	PRON
gujaf-88	14	12	focuses	focus	VERB
gujaf-88	14	13	on	on	ADP
gujaf-88	14	14	accepting	accept	VERB
gujaf-88	14	15	deposit	deposit	NOUN
gujaf-88	14	16	from	from	ADP
gujaf-88	14	17	the	the	DET
gujaf-88	14	18	surplus	surplus	NOUN
gujaf-88	14	19	spender	spender	NOUN
gujaf-88	14	20	and	and	CCONJ
gujaf-88	14	21	making	make	VERB
gujaf-88	14	22	such	such	ADJ
gujaf-88	14	23	fund	fund	NOUN
gujaf-88	14	24	available	available	ADJ
gujaf-88	14	25	in	in	ADP
gujaf-88	14	26	form	form	NOUN
gujaf-88	14	27	of	of	ADP
gujaf-88	14	28	loan	loan	NOUN
gujaf-88	14	29	and	and	CCONJ
gujaf-88	14	30	advances	advance	NOUN
gujaf-88	14	31	to	to	ADP
gujaf-88	14	32	the	the	DET
gujaf-88	14	33	deficit	deficit	NOUN
gujaf-88	14	34	spender	spender	NOUN
gujaf-88	14	35	.	.	PUNCT
gujaf-88	15	1	to	to	PART
gujaf-88	15	2	simply	simply	ADV
gujaf-88	15	3	put	put	VERB
gujaf-88	15	4	,	,	PUNCT
gujaf-88	15	5	lending	lending	NOUN
gujaf-88	15	6	is	be	AUX
gujaf-88	15	7	a	a	DET
gujaf-88	15	8	fundamental	fundamental	ADJ
gujaf-88	15	9	function	function	NOUN
gujaf-88	15	10	of	of	ADP
gujaf-88	15	11	commercial	commercial	ADJ
gujaf-88	15	12	banks	bank	NOUN
gujaf-88	15	13	.	.	PUNCT
gujaf-88	16	1	“	"	PUNCT
gujaf-88	16	2	customers	customer	NOUN
gujaf-88	16	3	”	"	PUNCT
gujaf-88	16	4	who	who	PRON
gujaf-88	16	5	have	have	VERB
gujaf-88	16	6	a	a	DET
gujaf-88	16	7	contractual	contractual	ADJ
gujaf-88	16	8	relationship	relationship	NOUN
gujaf-88	16	9	by	by	ADP
gujaf-88	16	10	virtue	virtue	NOUN
gujaf-88	16	11	of	of	ADP
gujaf-88	16	12	being	be	AUX
gujaf-88	16	13	an	an	DET
gujaf-88	16	14	account	account	NOUN
gujaf-88	16	15	holder	holder	NOUN
gujaf-88	16	16	can	can	AUX
gujaf-88	16	17	apply	apply	VERB
gujaf-88	16	18	for	for	ADP
gujaf-88	16	19	loans	loan	NOUN
gujaf-88	16	20	either	either	CCONJ
gujaf-88	16	21	for	for	ADP
gujaf-88	16	22	investments	investment	NOUN
gujaf-88	16	23	,	,	PUNCT
gujaf-88	16	24	consumptions	consumption	NOUN
gujaf-88	16	25	and	and	CCONJ
gujaf-88	16	26	other	other	ADJ
gujaf-88	16	27	purposes	purpose	NOUN
gujaf-88	16	28	considered	consider	VERB
gujaf-88	16	29	satisfactory	satisfactory	ADJ
gujaf-88	16	30	by	by	ADP
gujaf-88	16	31	the	the	DET
gujaf-88	16	32	bank	bank	NOUN
gujaf-88	16	33	.	.	PUNCT
gujaf-88	17	1	the	the	DET
gujaf-88	17	2	credit	credit	NOUN
gujaf-88	17	3	facilities	facility	NOUN
gujaf-88	17	4	may	may	AUX
gujaf-88	17	5	be	be	AUX
gujaf-88	17	6	in	in	ADP
gujaf-88	17	7	form	form	NOUN
gujaf-88	17	8	of	of	ADP
gujaf-88	17	9	loan	loan	NOUN
gujaf-88	17	10	and	and	CCONJ
gujaf-88	17	11	advances	advance	NOUN
gujaf-88	17	12	,	,	PUNCT
gujaf-88	17	13	overdraft	overdraft	NOUN
gujaf-88	17	14	,	,	PUNCT
gujaf-88	17	15	business	business	NOUN
gujaf-88	17	16	funding	funding	NOUN
gujaf-88	17	17	arrangements	arrangement	NOUN
gujaf-88	17	18	and	and	CCONJ
gujaf-88	17	19	local	local	ADJ
gujaf-88	17	20	purchasing	purchasing	NOUN
gujaf-88	17	21	order	order	NOUN
gujaf-88	17	22	financing	financing	NOUN
gujaf-88	17	23	amid	amid	ADP
gujaf-88	17	24	others	other	NOUN
gujaf-88	17	25	.	.	PUNCT
gujaf-88	18	1	(	(	PUNCT
gujaf-88	18	2	el	el	PROPN
gujaf-88	18	3	-	-	PROPN
gujaf-88	18	4	maude	maude	PROPN
gujaf-88	18	5	,	,	PUNCT
gujaf-88	18	6	abdul	abdul	PROPN
gujaf-88	18	7	-	-	PUNCT
gujaf-88	18	8	rahman	rahman	PROPN
gujaf-88	18	9	&	&	CCONJ
gujaf-88	18	10	ibrahim	ibrahim	PROPN
gujaf-88	18	11	,	,	PUNCT
gujaf-88	18	12	2017	2017	NUM
gujaf-88	18	13	)	)	PUNCT
gujaf-88	18	14	.	.	PUNCT
gujaf-88	19	1	to	to	PART
gujaf-88	19	2	ensure	ensure	VERB
gujaf-88	19	3	sustainability	sustainability	NOUN
gujaf-88	19	4	,	,	PUNCT
gujaf-88	19	5	stability	stability	NOUN
gujaf-88	19	6	and	and	CCONJ
gujaf-88	19	7	profitability	profitability	NOUN
gujaf-88	19	8	,	,	PUNCT
gujaf-88	19	9	bank	bank	NOUN
gujaf-88	19	10	procure	procure	NOUN
gujaf-88	19	11	cheaper	cheap	ADJ
gujaf-88	19	12	loanable	loanable	ADJ
gujaf-88	19	13	funds	fund	NOUN
gujaf-88	19	14	from	from	ADP
gujaf-88	19	15	customers	customer	NOUN
gujaf-88	19	16	in	in	ADP
gujaf-88	19	17	form	form	NOUN
gujaf-88	19	18	of	of	ADP
gujaf-88	19	19	deposits	deposit	NOUN
gujaf-88	19	20	and	and	CCONJ
gujaf-88	19	21	lend	lend	VERB
gujaf-88	19	22	these	these	DET
gujaf-88	19	23	funds	fund	NOUN
gujaf-88	19	24	to	to	ADP
gujaf-88	19	25	borrowing	borrow	VERB
gujaf-88	19	26	customers	customer	NOUN
gujaf-88	19	27	at	at	ADP
gujaf-88	19	28	a	a	DET
gujaf-88	19	29	relatively	relatively	ADV
gujaf-88	19	30	higher	high	ADJ
gujaf-88	19	31	rate	rate	NOUN
gujaf-88	19	32	of	of	ADP
gujaf-88	19	33	interest	interest	NOUN
gujaf-88	19	34	(	(	PUNCT
gujaf-88	19	35	lending	lending	NOUN
gujaf-88	19	36	rate	rate	NOUN
gujaf-88	19	37	)	)	PUNCT
gujaf-88	19	38	than	than	ADP
gujaf-88	19	39	the	the	DET
gujaf-88	19	40	depositors	depositor	NOUN
gujaf-88	19	41	interest	interest	NOUN
gujaf-88	19	42	rate	rate	NOUN
gujaf-88	19	43	paid	pay	VERB
gujaf-88	19	44	to	to	ADP
gujaf-88	19	45	the	the	DET
gujaf-88	19	46	depositors	depositor	NOUN
gujaf-88	19	47	by	by	ADP
gujaf-88	19	48	the	the	DET
gujaf-88	19	49	bank	bank	NOUN
gujaf-88	19	50	(	(	PUNCT
gujaf-88	19	51	warue	warue	PROPN
gujaf-88	19	52	,	,	PUNCT
gujaf-88	19	53	2013	2013	NUM
gujaf-88	19	54	)	)	PUNCT
gujaf-88	19	55	.	.	PUNCT
gujaf-88	20	1	in	in	ADP
gujaf-88	20	2	the	the	DET
gujaf-88	20	3	opinion	opinion	NOUN
gujaf-88	20	4	of	of	ADP
gujaf-88	20	5	warue	warue	NOUN
gujaf-88	20	6	,	,	PUNCT
gujaf-88	20	7	one	one	NUM
gujaf-88	20	8	of	of	ADP
gujaf-88	20	9	the	the	DET
gujaf-88	20	10	difficulties	difficulty	NOUN
gujaf-88	20	11	in	in	ADP
gujaf-88	20	12	lending	lending	NOUN
gujaf-88	20	13	is	be	AUX
gujaf-88	20	14	the	the	DET
gujaf-88	20	15	possibility	possibility	NOUN
gujaf-88	20	16	of	of	ADP
gujaf-88	20	17	loans	loan	NOUN
gujaf-88	20	18	going	go	VERB
gujaf-88	20	19	bad	bad	ADJ
gujaf-88	20	20	.	.	PUNCT
gujaf-88	21	1	this	this	PRON
gujaf-88	21	2	suggests	suggest	VERB
gujaf-88	21	3	that	that	SCONJ
gujaf-88	21	4	lending	lending	NOUN
gujaf-88	21	5	involves	involve	VERB
gujaf-88	21	6	credit	credit	NOUN
gujaf-88	21	7	risk	risk	NOUN
gujaf-88	21	8	especially	especially	ADV
gujaf-88	21	9	the	the	DET
gujaf-88	21	10	risk	risk	NOUN
gujaf-88	21	11	of	of	ADP
gujaf-88	21	12	default	default	NOUN
gujaf-88	21	13	.	.	PUNCT
gujaf-88	22	1	banks	bank	NOUN
gujaf-88	22	2	use	use	VERB
gujaf-88	22	3	diverse	diverse	ADJ
gujaf-88	22	4	methods	method	NOUN
gujaf-88	22	5	such	such	ADJ
gujaf-88	22	6	as	as	ADP
gujaf-88	22	7	loan	loan	NOUN
gujaf-88	22	8	appraisal	appraisal	NOUN
gujaf-88	22	9	,	,	PUNCT
gujaf-88	22	10	client	client	NOUN
gujaf-88	22	11	screening	screening	NOUN
gujaf-88	22	12	and	and	CCONJ
gujaf-88	22	13	followups	followup	NOUN
gujaf-88	22	14	to	to	PART
gujaf-88	22	15	reduce	reduce	VERB
gujaf-88	22	16	the	the	DET
gujaf-88	22	17	level	level	NOUN
gujaf-88	22	18	of	of	ADP
gujaf-88	22	19	loan	loan	NOUN
gujaf-88	22	20	default	default	NOUN
gujaf-88	22	21	.	.	PUNCT
gujaf-88	23	1	mailto:babayaro.bm@gmail.com	mailto:babayaro.bm@gmail.com	X
gujaf-88	23	2	mailto:johnnyzack1992@gmail.com	mailto:johnnyzack1992@gmail.com	PROPN
gujaf-88	23	3	mailto:muazubadara@yahoo.com	mailto:muazubadara@yahoo.com	PROPN
gujaf-88	23	4	3	3	NUM
gujaf-88	23	5	the	the	DET
gujaf-88	23	6	basel	basel	PROPN
gujaf-88	23	7	committee	committee	PROPN
gujaf-88	23	8	(	(	PUNCT
gujaf-88	23	9	2001	2001	NUM
gujaf-88	23	10	)	)	PUNCT
gujaf-88	23	11	,	,	PUNCT
gujaf-88	23	12	defines	define	VERB
gujaf-88	23	13	nonperforming	nonperforme	VERB
gujaf-88	23	14	loans	loan	NOUN
gujaf-88	23	15	as	as	ADP
gujaf-88	23	16	loans	loan	NOUN
gujaf-88	23	17	whose	whose	DET
gujaf-88	23	18	principal	principal	NOUN
gujaf-88	23	19	and	and	CCONJ
gujaf-88	23	20	interest	interest	NOUN
gujaf-88	23	21	remain	remain	VERB
gujaf-88	23	22	unpaid	unpaid	ADJ
gujaf-88	23	23	after	after	ADP
gujaf-88	23	24	90	90	NUM
gujaf-88	23	25	days	day	NOUN
gujaf-88	23	26	of	of	ADP
gujaf-88	23	27	maturation	maturation	NOUN
gujaf-88	23	28	.	.	PUNCT
gujaf-88	24	1	there	there	PRON
gujaf-88	24	2	are	be	VERB
gujaf-88	24	3	so	so	ADV
gujaf-88	24	4	many	many	ADJ
gujaf-88	24	5	factors	factor	NOUN
gujaf-88	24	6	that	that	PRON
gujaf-88	24	7	determines	determine	VERB
gujaf-88	24	8	the	the	DET
gujaf-88	24	9	level	level	NOUN
gujaf-88	24	10	of	of	ADP
gujaf-88	24	11	nonperforming	nonperforme	VERB
gujaf-88	24	12	loan	loan	NOUN
gujaf-88	24	13	.	.	PUNCT
gujaf-88	25	1	this	this	PRON
gujaf-88	25	2	includes	include	VERB
gujaf-88	25	3	factors	factor	NOUN
gujaf-88	25	4	within	within	ADP
gujaf-88	25	5	the	the	DET
gujaf-88	25	6	control	control	NOUN
gujaf-88	25	7	of	of	ADP
gujaf-88	25	8	the	the	DET
gujaf-88	25	9	bank	bank	NOUN
gujaf-88	25	10	(	(	PUNCT
gujaf-88	25	11	internal	internal	ADJ
gujaf-88	25	12	factors	factor	NOUN
gujaf-88	25	13	such	such	ADJ
gujaf-88	25	14	as	as	ADP
gujaf-88	25	15	capital	capital	NOUN
gujaf-88	25	16	adequacy	adequacy	NOUN
gujaf-88	25	17	ratio	ratio	NOUN
gujaf-88	25	18	,	,	PUNCT
gujaf-88	25	19	loan	loan	NOUN
gujaf-88	25	20	-	-	PUNCT
gujaf-88	25	21	deposit	deposit	NOUN
gujaf-88	25	22	ratio	ratio	NOUN
gujaf-88	25	23	)	)	PUNCT
gujaf-88	25	24	and	and	CCONJ
gujaf-88	25	25	macroeconomic	macroeconomic	ADJ
gujaf-88	25	26	factors	factor	NOUN
gujaf-88	25	27	such	such	ADJ
gujaf-88	25	28	as	as	ADP
gujaf-88	25	29	inflation	inflation	NOUN
gujaf-88	25	30	rate	rate	NOUN
gujaf-88	25	31	,	,	PUNCT
gujaf-88	25	32	oil	oil	NOUN
gujaf-88	25	33	price	price	NOUN
gujaf-88	25	34	fluctuations	fluctuation	NOUN
gujaf-88	25	35	,	,	PUNCT
gujaf-88	25	36	lending	lending	NOUN
gujaf-88	25	37	rate	rate	NOUN
gujaf-88	25	38	among	among	ADP
gujaf-88	25	39	others	other	NOUN
gujaf-88	25	40	(	(	PUNCT
gujaf-88	25	41	cbn	cbn	PROPN
gujaf-88	25	42	report	report	NOUN
gujaf-88	25	43	,	,	PUNCT
gujaf-88	25	44	2020	2020	NUM
gujaf-88	25	45	)	)	PUNCT
gujaf-88	25	46	.	.	PUNCT
gujaf-88	26	1	nonperforming	nonperforme	VERB
gujaf-88	26	2	loan	loan	NOUN
gujaf-88	26	3	is	be	AUX
gujaf-88	26	4	an	an	DET
gujaf-88	26	5	issue	issue	NOUN
gujaf-88	26	6	around	around	ADP
gujaf-88	26	7	the	the	DET
gujaf-88	26	8	world	world	NOUN
gujaf-88	26	9	and	and	CCONJ
gujaf-88	26	10	africa	africa	PROPN
gujaf-88	26	11	.	.	PUNCT
gujaf-88	27	1	world	world	PROPN
gujaf-88	27	2	bank	bank	PROPN
gujaf-88	27	3	(	(	PUNCT
gujaf-88	27	4	2019	2019	NUM
gujaf-88	27	5	)	)	PUNCT
gujaf-88	27	6	,	,	PUNCT
gujaf-88	27	7	revealed	reveal	VERB
gujaf-88	27	8	that	that	SCONJ
gujaf-88	27	9	san	san	PROPN
gujaf-88	27	10	marina	marina	PROPN
gujaf-88	27	11	holds	hold	VERB
gujaf-88	27	12	61.69	61.69	NUM
gujaf-88	27	13	%	%	NOUN
gujaf-88	27	14	of	of	ADP
gujaf-88	27	15	npls	npls	NOUN
gujaf-88	27	16	,	,	PUNCT
gujaf-88	27	17	eq	eq	NOUN
gujaf-88	27	18	.	.	PUNCT
gujaf-88	27	19	guinea	guinea	PROPN
gujaf-88	27	20	48.81	48.81	NUM
gujaf-88	27	21	%	%	NOUN
gujaf-88	27	22	,	,	PUNCT
gujaf-88	27	23	ukraine	ukraine	NOUN
gujaf-88	27	24	48.36	48.36	NUM
gujaf-88	27	25	%	%	NOUN
gujaf-88	27	26	,	,	PUNCT
gujaf-88	27	27	greece	greece	PROPN
gujaf-88	27	28	36.45	36.45	NUM
gujaf-88	27	29	%	%	NOUN
gujaf-88	27	30	,	,	PUNCT
gujaf-88	27	31	congo	congo	PROPN
gujaf-88	27	32	23.07	23.07	NUM
gujaf-88	27	33	%	%	NOUN
gujaf-88	27	34	,	,	PUNCT
gujaf-88	27	35	chad	chad	PROPN
gujaf-88	27	36	22.86	22.86	NUM
gujaf-88	27	37	ghana	ghana	PROPN
gujaf-88	27	38	13.94	13.94	NUM
gujaf-88	27	39	%	%	NOUN
gujaf-88	27	40	among	among	ADP
gujaf-88	27	41	other	other	ADJ
gujaf-88	27	42	given	give	VERB
gujaf-88	27	43	figures	figure	NOUN
gujaf-88	27	44	.	.	PUNCT
gujaf-88	28	1	in	in	ADP
gujaf-88	28	2	nigeria	nigeria	PROPN
gujaf-88	28	3	,	,	PUNCT
gujaf-88	28	4	extract	extract	VERB
gujaf-88	28	5	from	from	ADP
gujaf-88	28	6	the	the	DET
gujaf-88	28	7	banks	bank	NOUN
gujaf-88	28	8	financial	financial	ADJ
gujaf-88	28	9	statement	statement	NOUN
gujaf-88	28	10	shows	show	VERB
gujaf-88	28	11	that	that	SCONJ
gujaf-88	28	12	nonperforming	nonperforme	VERB
gujaf-88	28	13	loan	loan	NOUN
gujaf-88	28	14	grew	grow	VERB
gujaf-88	28	15	from	from	ADP
gujaf-88	28	16	n1.639	n1.639	PROPN
gujaf-88	28	17	trillion	trillion	NUM
gujaf-88	28	18	in	in	ADP
gujaf-88	28	19	december	december	PROPN
gujaf-88	28	20	2016	2016	NUM
gujaf-88	28	21	to	to	ADP
gujaf-88	28	22	2.424trillion	2.424trillion	NUM
gujaf-88	28	23	by	by	ADP
gujaf-88	28	24	september	september	PROPN
gujaf-88	28	25	2017	2017	NUM
gujaf-88	28	26	(	(	PUNCT
gujaf-88	28	27	cbn	cbn	PROPN
gujaf-88	28	28	,	,	PUNCT
gujaf-88	28	29	2017	2017	NUM
gujaf-88	28	30	)	)	PUNCT
gujaf-88	28	31	.	.	PUNCT
gujaf-88	29	1	this	this	PRON
gujaf-88	29	2	represents	represent	VERB
gujaf-88	29	3	an	an	DET
gujaf-88	29	4	increase	increase	NOUN
gujaf-88	29	5	of	of	ADP
gujaf-88	29	6	50	50	NUM
gujaf-88	29	7	%	%	NOUN
gujaf-88	29	8	.	.	PUNCT
gujaf-88	30	1	also	also	ADV
gujaf-88	30	2	,	,	PUNCT
gujaf-88	30	3	in	in	ADP
gujaf-88	30	4	the	the	DET
gujaf-88	30	5	third	third	ADJ
gujaf-88	30	6	quarter	quarter	NOUN
gujaf-88	30	7	of	of	ADP
gujaf-88	30	8	2020	2020	NUM
gujaf-88	30	9	,	,	PUNCT
gujaf-88	30	10	nonperforming	nonperforming	ADJ
gujaf-88	30	11	loan	loan	NOUN
gujaf-88	30	12	rose	rise	VERB
gujaf-88	30	13	by	by	ADP
gujaf-88	30	14	n333bn	n333bn	PROPN
gujaf-88	30	15	to	to	ADP
gujaf-88	30	16	n1.7trn	n1.7trn	PROPN
gujaf-88	30	17	with	with	ADP
gujaf-88	30	18	an	an	DET
gujaf-88	30	19	increase	increase	NOUN
gujaf-88	30	20	in	in	ADP
gujaf-88	30	21	nonperforming	nonperforming	ADJ
gujaf-88	30	22	loan	loan	NOUN
gujaf-88	30	23	ratio	ratio	NOUN
gujaf-88	30	24	6.3	6.3	NUM
gujaf-88	30	25	%	%	NOUN
gujaf-88	30	26	which	which	PRON
gujaf-88	30	27	is	be	AUX
gujaf-88	30	28	above	above	ADP
gujaf-88	30	29	the	the	DET
gujaf-88	30	30	prudential	prudential	ADJ
gujaf-88	30	31	guideline	guideline	NOUN
gujaf-88	30	32	of	of	ADP
gujaf-88	30	33	5	5	NUM
gujaf-88	30	34	%	%	NOUN
gujaf-88	30	35	(	(	PUNCT
gujaf-88	30	36	cbn	cbn	PROPN
gujaf-88	30	37	monetary	monetary	ADJ
gujaf-88	30	38	policy	policy	NOUN
gujaf-88	30	39	comminique	comminique	NOUN
gujaf-88	30	40	,	,	PUNCT
gujaf-88	30	41	2021	2021	NUM
gujaf-88	30	42	)	)	PUNCT
gujaf-88	30	43	.	.	PUNCT
gujaf-88	31	1	about	about	ADV
gujaf-88	31	2	(	(	PUNCT
gujaf-88	31	3	n	n	CCONJ
gujaf-88	31	4	238bn	238bn	NOUN
gujaf-88	31	5	)	)	PUNCT
gujaf-88	31	6	11	11	NUM
gujaf-88	31	7	%	%	NOUN
gujaf-88	31	8	of	of	ADP
gujaf-88	31	9	the	the	DET
gujaf-88	31	10	loan	loan	NOUN
gujaf-88	31	11	was	be	AUX
gujaf-88	31	12	attributed	attribute	VERB
gujaf-88	31	13	to	to	ADP
gujaf-88	31	14	loan	loan	NOUN
gujaf-88	31	15	given	give	VERB
gujaf-88	31	16	to	to	ADP
gujaf-88	31	17	the	the	DET
gujaf-88	31	18	oil	oil	NOUN
gujaf-88	31	19	and	and	CCONJ
gujaf-88	31	20	gas	gas	NOUN
gujaf-88	31	21	sector	sector	NOUN
gujaf-88	31	22	and	and	CCONJ
gujaf-88	31	23	the	the	DET
gujaf-88	31	24	economic	economic	ADJ
gujaf-88	31	25	circumstances	circumstance	NOUN
gujaf-88	31	26	arising	arise	VERB
gujaf-88	31	27	from	from	ADP
gujaf-88	31	28	the	the	DET
gujaf-88	31	29	outbreak	outbreak	NOUN
gujaf-88	31	30	of	of	ADP
gujaf-88	31	31	the	the	DET
gujaf-88	31	32	raging	rage	VERB
gujaf-88	31	33	coronavirus	coronavirus	NOUN
gujaf-88	31	34	pandemic	pandemic	ADJ
gujaf-88	31	35	(	(	PUNCT
gujaf-88	31	36	popoola	popoola	PROPN
gujaf-88	31	37	,	,	PUNCT
gujaf-88	31	38	2021	2021	NUM
gujaf-88	31	39	)	)	PUNCT
gujaf-88	31	40	.	.	PUNCT
gujaf-88	32	1	studies	study	NOUN
gujaf-88	32	2	such	such	ADJ
gujaf-88	32	3	as	as	ADP
gujaf-88	32	4	al	al	PROPN
gujaf-88	32	5	-	-	PUNCT
gujaf-88	32	6	khazali	khazali	PROPN
gujaf-88	32	7	and	and	CCONJ
gujaf-88	32	8	mirzaei	mirzaei	ADJ
gujaf-88	32	9	(	(	PUNCT
gujaf-88	32	10	2017	2017	NUM
gujaf-88	32	11	)	)	PUNCT
gujaf-88	32	12	,	,	PUNCT
gujaf-88	32	13	idris	idris	PROPN
gujaf-88	32	14	and	and	CCONJ
gujaf-88	32	15	nyan	nyan	PROPN
gujaf-88	32	16	(	(	PUNCT
gujaf-88	32	17	2016	2016	NUM
gujaf-88	32	18	)	)	PUNCT
gujaf-88	32	19	,	,	PUNCT
gujaf-88	32	20	found	find	VERB
gujaf-88	32	21	a	a	DET
gujaf-88	32	22	positive	positive	ADJ
gujaf-88	32	23	relationship	relationship	NOUN
gujaf-88	32	24	between	between	ADP
gujaf-88	32	25	crude	crude	ADJ
gujaf-88	32	26	oil	oil	NOUN
gujaf-88	32	27	price	price	NOUN
gujaf-88	32	28	and	and	CCONJ
gujaf-88	32	29	nonperforming	nonperforme	VERB
gujaf-88	32	30	loan	loan	NOUN
gujaf-88	32	31	.	.	PUNCT
gujaf-88	33	1	similarly	similarly	ADV
gujaf-88	33	2	,	,	PUNCT
gujaf-88	33	3	capital	capital	NOUN
gujaf-88	33	4	adequacy	adequacy	NOUN
gujaf-88	33	5	ratio	ratio	NOUN
gujaf-88	33	6	(	(	PUNCT
gujaf-88	33	7	car	car	NOUN
gujaf-88	33	8	)	)	PUNCT
gujaf-88	33	9	is	be	AUX
gujaf-88	33	10	an	an	DET
gujaf-88	33	11	important	important	ADJ
gujaf-88	33	12	factor	factor	NOUN
gujaf-88	33	13	when	when	SCONJ
gujaf-88	33	14	considering	consider	VERB
gujaf-88	33	15	the	the	DET
gujaf-88	33	16	level	level	NOUN
gujaf-88	33	17	of	of	ADP
gujaf-88	33	18	nonperforming	nonperforme	VERB
gujaf-88	33	19	loan	loan	NOUN
gujaf-88	33	20	.	.	PUNCT
gujaf-88	34	1	the	the	PRON
gujaf-88	34	2	lower	low	ADJ
gujaf-88	34	3	the	the	DET
gujaf-88	34	4	ratio	ratio	NOUN
gujaf-88	34	5	,	,	PUNCT
gujaf-88	34	6	the	the	PRON
gujaf-88	34	7	higher	high	ADJ
gujaf-88	34	8	the	the	DET
gujaf-88	34	9	level	level	NOUN
gujaf-88	34	10	of	of	ADP
gujaf-88	34	11	npls	npls	NOUN
gujaf-88	34	12	.	.	PUNCT
gujaf-88	35	1	the	the	DET
gujaf-88	35	2	cbn	cbn	PROPN
gujaf-88	35	3	(	(	PUNCT
gujaf-88	35	4	2017	2017	NUM
gujaf-88	35	5	)	)	PUNCT
gujaf-88	35	6	report	report	NOUN
gujaf-88	35	7	revealed	reveal	VERB
gujaf-88	35	8	that	that	SCONJ
gujaf-88	35	9	car	car	NOUN
gujaf-88	35	10	was	be	AUX
gujaf-88	35	11	11.5	11.5	NUM
gujaf-88	35	12	%	%	NOUN
gujaf-88	35	13	at	at	ADP
gujaf-88	35	14	the	the	DET
gujaf-88	35	15	end	end	NOUN
gujaf-88	35	16	of	of	ADP
gujaf-88	35	17	june	june	PROPN
gujaf-88	35	18	,	,	PUNCT
gujaf-88	35	19	2017	2017	NUM
gujaf-88	35	20	and	and	CCONJ
gujaf-88	35	21	further	furth	ADJ
gujaf-88	35	22	decline	decline	NOUN
gujaf-88	35	23	to	to	ADP
gujaf-88	35	24	10.2	10.2	NUM
gujaf-88	35	25	%	%	NOUN
gujaf-88	35	26	in	in	ADP
gujaf-88	35	27	december	december	PROPN
gujaf-88	35	28	of	of	ADP
gujaf-88	35	29	the	the	DET
gujaf-88	35	30	same	same	ADJ
gujaf-88	35	31	year	year	NOUN
gujaf-88	35	32	which	which	PRON
gujaf-88	35	33	is	be	AUX
gujaf-88	35	34	below	below	ADP
gujaf-88	35	35	the	the	DET
gujaf-88	35	36	regulatory	regulatory	ADJ
gujaf-88	35	37	threshold	threshold	NOUN
gujaf-88	35	38	of	of	ADP
gujaf-88	35	39	15	15	NUM
gujaf-88	35	40	%	%	NOUN
gujaf-88	35	41	as	as	SCONJ
gujaf-88	35	42	specified	specify	VERB
gujaf-88	35	43	by	by	ADP
gujaf-88	35	44	the	the	DET
gujaf-88	35	45	cbn	cbn	PROPN
gujaf-88	35	46	.	.	PUNCT
gujaf-88	36	1	studies	study	NOUN
gujaf-88	36	2	such	such	ADJ
gujaf-88	36	3	as	as	ADP
gujaf-88	36	4	islam	islam	PROPN
gujaf-88	36	5	and	and	CCONJ
gujaf-88	36	6	islam	islam	PROPN
gujaf-88	36	7	(	(	PUNCT
gujaf-88	36	8	2018	2018	NUM
gujaf-88	36	9	)	)	PUNCT
gujaf-88	36	10	,	,	PUNCT
gujaf-88	36	11	wood	wood	NOUN
gujaf-88	36	12	and	and	CCONJ
gujaf-88	36	13	skinner	skinner	NOUN
gujaf-88	36	14	(	(	PUNCT
gujaf-88	36	15	2018	2018	NUM
gujaf-88	36	16	)	)	PUNCT
gujaf-88	36	17	;	;	PUNCT
gujaf-88	36	18	established	establish	VERB
gujaf-88	36	19	a	a	DET
gujaf-88	36	20	negative	negative	ADJ
gujaf-88	36	21	relationship	relationship	NOUN
gujaf-88	36	22	between	between	ADP
gujaf-88	36	23	the	the	DET
gujaf-88	36	24	variable	variable	NOUN
gujaf-88	36	25	of	of	ADP
gujaf-88	36	26	capital	capital	NOUN
gujaf-88	36	27	adequacy	adequacy	NOUN
gujaf-88	36	28	and	and	CCONJ
gujaf-88	36	29	nonperforming	nonperforme	VERB
gujaf-88	36	30	loan	loan	NOUN
gujaf-88	36	31	.	.	PUNCT
gujaf-88	37	1	likewise	likewise	ADV
gujaf-88	37	2	,	,	PUNCT
gujaf-88	37	3	loan	loan	NOUN
gujaf-88	37	4	-	-	PUNCT
gujaf-88	37	5	deposit	deposit	NOUN
gujaf-88	37	6	ratio	ratio	NOUN
gujaf-88	37	7	(	(	PUNCT
gujaf-88	37	8	ldr	ldr	PROPN
gujaf-88	37	9	)	)	PUNCT
gujaf-88	37	10	is	be	AUX
gujaf-88	37	11	another	another	DET
gujaf-88	37	12	recent	recent	ADJ
gujaf-88	37	13	and	and	CCONJ
gujaf-88	37	14	strong	strong	ADJ
gujaf-88	37	15	determinant	determinant	ADJ
gujaf-88	37	16	of	of	ADP
gujaf-88	37	17	nonperforming	nonperforme	VERB
gujaf-88	37	18	loan	loan	NOUN
gujaf-88	37	19	.	.	PUNCT
gujaf-88	38	1	the	the	DET
gujaf-88	38	2	cbn	cbn	PROPN
gujaf-88	38	3	as	as	ADP
gujaf-88	38	4	at	at	ADP
gujaf-88	38	5	september	september	PROPN
gujaf-88	38	6	30	30	NUM
gujaf-88	38	7	th	th	NOUN
gujaf-88	38	8	,	,	PUNCT
gujaf-88	38	9	2019	2019	NUM
gujaf-88	38	10	increased	increase	VERB
gujaf-88	38	11	the	the	DET
gujaf-88	38	12	loan	loan	NOUN
gujaf-88	38	13	-	-	PUNCT
gujaf-88	38	14	deposit	deposit	NOUN
gujaf-88	38	15	ratio	ratio	NOUN
gujaf-88	38	16	of	of	ADP
gujaf-88	38	17	banks	bank	NOUN
gujaf-88	38	18	from	from	ADP
gujaf-88	38	19	60	60	NUM
gujaf-88	38	20	%	%	NOUN
gujaf-88	38	21	to	to	PART
gujaf-88	38	22	65	65	NUM
gujaf-88	38	23	%	%	NOUN
gujaf-88	38	24	to	to	PART
gujaf-88	38	25	boast	boast	VERB
gujaf-88	38	26	credit	credit	NOUN
gujaf-88	38	27	mainly	mainly	ADV
gujaf-88	38	28	to	to	ADP
gujaf-88	38	29	farmers	farmer	NOUN
gujaf-88	38	30	,	,	PUNCT
gujaf-88	38	31	small	small	ADJ
gujaf-88	38	32	and	and	CCONJ
gujaf-88	38	33	medium	medium	ADJ
gujaf-88	38	34	scale	scale	NOUN
gujaf-88	38	35	business	business	NOUN
gujaf-88	38	36	and	and	CCONJ
gujaf-88	38	37	individuals	individual	NOUN
gujaf-88	38	38	(	(	PUNCT
gujaf-88	38	39	cbn	cbn	PROPN
gujaf-88	38	40	circular	circular	NOUN
gujaf-88	38	41	,	,	PUNCT
gujaf-88	38	42	2019	2019	NUM
gujaf-88	38	43	)	)	PUNCT
gujaf-88	38	44	.	.	PUNCT
gujaf-88	39	1	increase	increase	VERB
gujaf-88	39	2	in	in	ADP
gujaf-88	39	3	this	this	DET
gujaf-88	39	4	ratio	ratio	NOUN
gujaf-88	39	5	,	,	PUNCT
gujaf-88	39	6	may	may	AUX
gujaf-88	39	7	force	force	VERB
gujaf-88	39	8	banks	bank	NOUN
gujaf-88	39	9	to	to	PART
gujaf-88	39	10	start	start	VERB
gujaf-88	39	11	given	give	VERB
gujaf-88	39	12	out	out	ADP
gujaf-88	39	13	loans	loan	NOUN
gujaf-88	39	14	to	to	ADP
gujaf-88	39	15	unqualified	unqualified	ADJ
gujaf-88	39	16	customers	customer	NOUN
gujaf-88	39	17	just	just	ADV
gujaf-88	39	18	to	to	PART
gujaf-88	39	19	meet	meet	VERB
gujaf-88	39	20	up	up	ADP
gujaf-88	39	21	with	with	ADP
gujaf-88	39	22	the	the	DET
gujaf-88	39	23	requirement	requirement	NOUN
gujaf-88	39	24	of	of	ADP
gujaf-88	39	25	the	the	DET
gujaf-88	39	26	cbn	cbn	PROPN
gujaf-88	39	27	and	and	CCONJ
gujaf-88	39	28	to	to	PART
gujaf-88	39	29	avoid	avoid	VERB
gujaf-88	39	30	possible	possible	ADJ
gujaf-88	39	31	penalties	penalty	NOUN
gujaf-88	39	32	.	.	PUNCT
gujaf-88	40	1	literatures	literature	NOUN
gujaf-88	40	2	such	such	ADJ
gujaf-88	40	3	as	as	ADP
gujaf-88	40	4	rahman	rahman	PROPN
gujaf-88	40	5	et	et	PROPN
gujaf-88	40	6	al	al	PROPN
gujaf-88	40	7	.	.	PROPN
gujaf-88	40	8	(	(	PUNCT
gujaf-88	40	9	2017	2017	NUM
gujaf-88	40	10	)	)	PUNCT
gujaf-88	40	11	;	;	PUNCT
gujaf-88	40	12	jimenenez	jimenenez	NOUN
gujaf-88	40	13	and	and	CCONJ
gujaf-88	40	14	saurian	saurian	ADJ
gujaf-88	40	15	(	(	PUNCT
gujaf-88	40	16	2006	2006	NUM
gujaf-88	40	17	)	)	PUNCT
gujaf-88	40	18	established	establish	VERB
gujaf-88	40	19	a	a	DET
gujaf-88	40	20	positive	positive	ADJ
gujaf-88	40	21	relationship	relationship	NOUN
gujaf-88	40	22	between	between	ADP
gujaf-88	40	23	loan	loan	NOUN
gujaf-88	40	24	-	-	PUNCT
gujaf-88	40	25	deposit	deposit	NOUN
gujaf-88	40	26	ratio	ratio	NOUN
gujaf-88	40	27	and	and	CCONJ
gujaf-88	40	28	nonperforming	nonperforme	VERB
gujaf-88	40	29	loan	loan	NOUN
gujaf-88	40	30	.	.	PUNCT
gujaf-88	41	1	equally	equally	ADV
gujaf-88	41	2	,	,	PUNCT
gujaf-88	41	3	lending	lending	NOUN
gujaf-88	41	4	rate	rate	NOUN
gujaf-88	41	5	is	be	AUX
gujaf-88	41	6	a	a	DET
gujaf-88	41	7	major	major	ADJ
gujaf-88	41	8	determinant	determinant	NOUN
gujaf-88	41	9	of	of	ADP
gujaf-88	41	10	nonperforming	nonperforme	VERB
gujaf-88	41	11	in	in	ADP
gujaf-88	41	12	nigeria	nigeria	PROPN
gujaf-88	41	13	(	(	PUNCT
gujaf-88	41	14	akinlo	akinlo	PROPN
gujaf-88	41	15	&	&	CCONJ
gujaf-88	41	16	emmanuel	emmanuel	PROPN
gujaf-88	41	17	,	,	PUNCT
gujaf-88	41	18	2014	2014	NUM
gujaf-88	41	19	)	)	PUNCT
gujaf-88	41	20	.	.	PUNCT
gujaf-88	42	1	this	this	PRON
gujaf-88	42	2	is	be	AUX
gujaf-88	42	3	because	because	SCONJ
gujaf-88	42	4	higher	high	ADJ
gujaf-88	42	5	lending	lending	NOUN
gujaf-88	42	6	rate	rate	NOUN
gujaf-88	42	7	makes	make	VERB
gujaf-88	42	8	it	it	PRON
gujaf-88	42	9	difficult	difficult	ADJ
gujaf-88	42	10	for	for	SCONJ
gujaf-88	42	11	borrower	borrower	NOUN
gujaf-88	42	12	to	to	PART
gujaf-88	42	13	pay	pay	VERB
gujaf-88	42	14	back	back	ADP
gujaf-88	42	15	their	their	PRON
gujaf-88	42	16	loans	loan	NOUN
gujaf-88	42	17	as	as	ADP
gujaf-88	42	18	at	at	ADP
gujaf-88	42	19	when	when	SCONJ
gujaf-88	42	20	due	due	ADJ
gujaf-88	42	21	.	.	PUNCT
gujaf-88	43	1	the	the	DET
gujaf-88	43	2	prime	prime	ADJ
gujaf-88	43	3	lending	lending	NOUN
gujaf-88	43	4	rate	rate	NOUN
gujaf-88	43	5	in	in	ADP
gujaf-88	43	6	nigeria	nigeria	PROPN
gujaf-88	43	7	as	as	ADP
gujaf-88	43	8	at	at	ADP
gujaf-88	43	9	december	december	PROPN
gujaf-88	43	10	,	,	PUNCT
gujaf-88	43	11	2020	2020	NUM
gujaf-88	43	12	was	be	AUX
gujaf-88	43	13	11.35	11.35	NUM
gujaf-88	43	14	%	%	NOUN
gujaf-88	43	15	and	and	CCONJ
gujaf-88	43	16	hit	hit	VERB
gujaf-88	43	17	its	its	PRON
gujaf-88	43	18	maximum	maximum	NOUN
gujaf-88	43	19	of	of	ADP
gujaf-88	43	20	28.31	28.31	NUM
gujaf-88	43	21	%	%	NOUN
gujaf-88	43	22	in	in	ADP
gujaf-88	43	23	the	the	DET
gujaf-88	43	24	same	same	ADJ
gujaf-88	43	25	year	year	NOUN
gujaf-88	43	26	(	(	PUNCT
gujaf-88	43	27	cbn	cbn	PROPN
gujaf-88	43	28	,	,	PUNCT
gujaf-88	43	29	report	report	NOUN
gujaf-88	43	30	,	,	PUNCT
gujaf-88	43	31	2021	2021	NUM
gujaf-88	43	32	)	)	PUNCT
gujaf-88	43	33	many	many	ADJ
gujaf-88	43	34	studies	study	NOUN
gujaf-88	43	35	found	find	VERB
gujaf-88	43	36	a	a	DET
gujaf-88	43	37	positive	positive	ADJ
gujaf-88	43	38	relationship	relationship	NOUN
gujaf-88	43	39	between	between	ADP
gujaf-88	43	40	lending	lending	NOUN
gujaf-88	43	41	rate	rate	NOUN
gujaf-88	43	42	and	and	CCONJ
gujaf-88	43	43	nonperforming	nonperforme	VERB
gujaf-88	43	44	loan	loan	NOUN
gujaf-88	43	45	such	such	ADJ
gujaf-88	43	46	as	as	ADP
gujaf-88	43	47	amah	amah	PROPN
gujaf-88	43	48	(	(	PUNCT
gujaf-88	43	49	2017	2017	NUM
gujaf-88	43	50	)	)	PUNCT
gujaf-88	43	51	,	,	PUNCT
gujaf-88	43	52	gezu	gezu	NOUN
gujaf-88	43	53	(	(	PUNCT
gujaf-88	43	54	2014	2014	NUM
gujaf-88	43	55	)	)	PUNCT
gujaf-88	43	56	,	,	PUNCT
gujaf-88	43	57	adeola	adeola	NOUN
gujaf-88	43	58	and	and	CCONJ
gujaf-88	43	59	ikesu	ikesu	PROPN
gujaf-88	43	60	(	(	PUNCT
gujaf-88	43	61	2017	2017	NUM
gujaf-88	43	62	)	)	PUNCT
gujaf-88	43	63	and	and	CCONJ
gujaf-88	43	64	a	a	DET
gujaf-88	43	65	host	host	NOUN
gujaf-88	43	66	of	of	ADP
gujaf-88	43	67	others	other	NOUN
gujaf-88	43	68	.	.	PUNCT
gujaf-88	44	1	however	however	ADV
gujaf-88	44	2	,	,	PUNCT
gujaf-88	44	3	chege	chege	PROPN
gujaf-88	44	4	(	(	PUNCT
gujaf-88	44	5	2014	2014	NUM
gujaf-88	44	6	)	)	PUNCT
gujaf-88	44	7	and	and	CCONJ
gujaf-88	44	8	mondal	mondal	NOUN
gujaf-88	44	9	(	(	PUNCT
gujaf-88	44	10	2016	2016	NUM
gujaf-88	44	11	)	)	PUNCT
gujaf-88	44	12	,	,	PUNCT
gujaf-88	44	13	established	establish	VERB
gujaf-88	44	14	a	a	DET
gujaf-88	44	15	negative	negative	ADJ
gujaf-88	44	16	relationship	relationship	NOUN
gujaf-88	44	17	between	between	ADP
gujaf-88	44	18	nonperforming	nonperforme	VERB
gujaf-88	44	19	loan	loan	NOUN
gujaf-88	44	20	and	and	CCONJ
gujaf-88	44	21	lending	lending	NOUN
gujaf-88	44	22	rate	rate	NOUN
gujaf-88	44	23	.	.	PUNCT
gujaf-88	45	1	many	many	ADJ
gujaf-88	45	2	studies	study	NOUN
gujaf-88	45	3	have	have	AUX
gujaf-88	45	4	been	be	AUX
gujaf-88	45	5	conducted	conduct	VERB
gujaf-88	45	6	on	on	ADP
gujaf-88	45	7	factors	factor	NOUN
gujaf-88	45	8	affecting	affect	VERB
gujaf-88	45	9	non	non	ADJ
gujaf-88	45	10	-	-	ADJ
gujaf-88	45	11	performing	performing	ADJ
gujaf-88	45	12	loans	loan	NOUN
gujaf-88	45	13	in	in	ADP
gujaf-88	45	14	nigeria	nigeria	PROPN
gujaf-88	45	15	;	;	PUNCT
gujaf-88	45	16	such	such	ADJ
gujaf-88	45	17	as	as	ADP
gujaf-88	45	18	:	:	PUNCT
gujaf-88	45	19	idris	idris	PROPN
gujaf-88	45	20	and	and	CCONJ
gujaf-88	45	21	nayan	nayan	PROPN
gujaf-88	45	22	(	(	PUNCT
gujaf-88	45	23	2016	2016	NUM
gujaf-88	45	24	)	)	PUNCT
gujaf-88	45	25	,	,	PUNCT
gujaf-88	45	26	atio	atio	NOUN
gujaf-88	45	27	(	(	PUNCT
gujaf-88	45	28	2018	2018	NUM
gujaf-88	45	29	)	)	PUNCT
gujaf-88	45	30	,	,	PUNCT
gujaf-88	45	31	rajha	rajha	NOUN
gujaf-88	45	32	(	(	PUNCT
gujaf-88	45	33	2016	2016	NUM
gujaf-88	45	34	)	)	PUNCT
gujaf-88	45	35	,	,	PUNCT
gujaf-88	45	36	ofori	ofori	ADJ
gujaf-88	45	37	-	-	NOUN
gujaf-88	45	38	abebrese	abebrese	ADJ
gujaf-88	45	39	et	et	PROPN
gujaf-88	45	40	al	al	PROPN
gujaf-88	45	41	.	.	PUNCT
gujaf-88	46	1	(	(	PUNCT
gujaf-88	46	2	2016	2016	NUM
gujaf-88	46	3	)	)	PUNCT
gujaf-88	46	4	,	,	PUNCT
gujaf-88	46	5	badar	badar	PROPN
gujaf-88	46	6	and	and	CCONJ
gujaf-88	46	7	javid	javid	PROPN
gujaf-88	46	8	(	(	PUNCT
gujaf-88	46	9	2013	2013	NUM
gujaf-88	46	10	)	)	PUNCT
gujaf-88	46	11	and	and	CCONJ
gujaf-88	46	12	a	a	DET
gujaf-88	46	13	host	host	NOUN
gujaf-88	46	14	of	of	ADP
gujaf-88	46	15	others	other	NOUN
gujaf-88	46	16	.	.	PUNCT
gujaf-88	47	1	however	however	ADV
gujaf-88	47	2	,	,	PUNCT
gujaf-88	47	3	there	there	PRON
gujaf-88	47	4	is	be	VERB
gujaf-88	47	5	paucity	paucity	NOUN
gujaf-88	47	6	of	of	ADP
gujaf-88	47	7	studies	study	NOUN
gujaf-88	47	8	on	on	ADP
gujaf-88	47	9	the	the	DET
gujaf-88	47	10	impact	impact	NOUN
gujaf-88	47	11	of	of	ADP
gujaf-88	47	12	4	4	NUM
gujaf-88	47	13	fluctuating	fluctuate	VERB
gujaf-88	47	14	crude	crude	ADJ
gujaf-88	47	15	oil	oil	NOUN
gujaf-88	47	16	price	price	NOUN
gujaf-88	47	17	and	and	CCONJ
gujaf-88	47	18	loan	loan	NOUN
gujaf-88	47	19	-	-	PUNCT
gujaf-88	47	20	deposit	deposit	NOUN
gujaf-88	47	21	ratio	ratio	NOUN
gujaf-88	47	22	on	on	ADP
gujaf-88	47	23	nonperforming	nonperforme	VERB
gujaf-88	47	24	loan	loan	NOUN
gujaf-88	47	25	.	.	PUNCT
gujaf-88	48	1	hence	hence	ADV
gujaf-88	48	2	,	,	PUNCT
gujaf-88	48	3	this	this	DET
gujaf-88	48	4	study	study	NOUN
gujaf-88	48	5	seek	seek	VERB
gujaf-88	48	6	to	to	PART
gujaf-88	48	7	examine	examine	VERB
gujaf-88	48	8	the	the	DET
gujaf-88	48	9	impact	impact	NOUN
gujaf-88	48	10	of	of	ADP
gujaf-88	48	11	bank	bank	NOUN
gujaf-88	48	12	specific	specific	ADJ
gujaf-88	48	13	and	and	CCONJ
gujaf-88	48	14	macro	macro	ADJ
gujaf-88	48	15	-	-	ADJ
gujaf-88	48	16	economic	economic	ADJ
gujaf-88	48	17	factors	factor	NOUN
gujaf-88	48	18	on	on	ADP
gujaf-88	48	19	nonperforming	nonperforme	VERB
gujaf-88	48	20	loan	loan	NOUN
gujaf-88	48	21	of	of	ADP
gujaf-88	48	22	quoted	quote	VERB
gujaf-88	48	23	money	money	NOUN
gujaf-88	48	24	deposit	deposit	NOUN
gujaf-88	48	25	banks	bank	NOUN
gujaf-88	48	26	in	in	ADP
gujaf-88	48	27	nigeria	nigeria	PRON
gujaf-88	48	28	between	between	ADP
gujaf-88	48	29	the	the	DET
gujaf-88	48	30	periods	period	NOUN
gujaf-88	48	31	of	of	ADP
gujaf-88	48	32	2008	2008	NUM
gujaf-88	48	33	-	-	SYM
gujaf-88	48	34	2020	2020	NUM
gujaf-88	48	35	.	.	PUNCT
gujaf-88	49	1	this	this	DET
gujaf-88	49	2	period	period	NOUN
gujaf-88	49	3	is	be	AUX
gujaf-88	49	4	considered	consider	VERB
gujaf-88	49	5	suitable	suitable	ADJ
gujaf-88	49	6	for	for	ADP
gujaf-88	49	7	the	the	DET
gujaf-88	49	8	study	study	NOUN
gujaf-88	49	9	due	due	ADP
gujaf-88	49	10	to	to	ADP
gujaf-88	49	11	the	the	DET
gujaf-88	49	12	global	global	ADJ
gujaf-88	49	13	economic	economic	ADJ
gujaf-88	49	14	meltdown	meltdown	NOUN
gujaf-88	49	15	in	in	ADP
gujaf-88	49	16	2008	2008	NUM
gujaf-88	49	17	and	and	CCONJ
gujaf-88	49	18	the	the	DET
gujaf-88	49	19	ravaging	ravage	VERB
gujaf-88	49	20	effect	effect	NOUN
gujaf-88	49	21	of	of	ADP
gujaf-88	49	22	the	the	DET
gujaf-88	49	23	covid-19	covid-19	PROPN
gujaf-88	49	24	pandemic	pandemic	NOUN
gujaf-88	49	25	in	in	ADP
gujaf-88	49	26	2020	2020	NUM
gujaf-88	49	27	.	.	PUNCT
gujaf-88	50	1	h01	h01	NOUN
gujaf-88	50	2	:	:	PUNCT
gujaf-88	50	3	capital	capital	NOUN
gujaf-88	50	4	adequacy	adequacy	NOUN
gujaf-88	50	5	ratio	ratio	NOUN
gujaf-88	50	6	has	have	VERB
gujaf-88	50	7	no	no	DET
gujaf-88	50	8	significant	significant	ADJ
gujaf-88	50	9	impact	impact	NOUN
gujaf-88	50	10	on	on	ADP
gujaf-88	50	11	nonperforming	nonperforme	VERB
gujaf-88	50	12	loans	loan	NOUN
gujaf-88	50	13	of	of	ADP
gujaf-88	50	14	quoted	quote	VERB
gujaf-88	50	15	commercial	commercial	ADJ
gujaf-88	50	16	banks	bank	NOUN
gujaf-88	50	17	in	in	ADP
gujaf-88	50	18	nigeria	nigeria	PROPN
gujaf-88	50	19	h02	h02	PROPN
gujaf-88	50	20	:	:	PUNCT
gujaf-88	50	21	loan	loan	NOUN
gujaf-88	50	22	-	-	PUNCT
gujaf-88	50	23	depositratio	depositratio	NOUN
gujaf-88	50	24	has	have	VERB
gujaf-88	50	25	no	no	DET
gujaf-88	50	26	significant	significant	ADJ
gujaf-88	50	27	impact	impact	NOUN
gujaf-88	50	28	on	on	ADP
gujaf-88	50	29	nonperforming	nonperforme	VERB
gujaf-88	50	30	loans	loan	NOUN
gujaf-88	50	31	of	of	ADP
gujaf-88	50	32	quoted	quote	VERB
gujaf-88	50	33	commercial	commercial	ADJ
gujaf-88	50	34	banks	bank	NOUN
gujaf-88	50	35	in	in	ADP
gujaf-88	50	36	nigeria	nigeria	PROPN
gujaf-88	50	37	h03	h03	NOUN
gujaf-88	50	38	:	:	PUNCT
gujaf-88	50	39	oil	oil	NOUN
gujaf-88	50	40	price	price	NOUN
gujaf-88	50	41	movement	movement	NOUN
gujaf-88	50	42	has	have	VERB
gujaf-88	50	43	no	no	DET
gujaf-88	50	44	significant	significant	ADJ
gujaf-88	50	45	impact	impact	NOUN
gujaf-88	50	46	on	on	ADP
gujaf-88	50	47	nonperforming	nonperforme	VERB
gujaf-88	50	48	loans	loan	NOUN
gujaf-88	50	49	of	of	ADP
gujaf-88	50	50	quoted	quote	VERB
gujaf-88	50	51	commercial	commercial	ADJ
gujaf-88	50	52	banks	bank	NOUN
gujaf-88	50	53	in	in	ADP
gujaf-88	50	54	nigeria	nigeria	PROPN
gujaf-88	50	55	h04	h04	PROPN
gujaf-88	50	56	:	:	PUNCT
gujaf-88	50	57	lending	lending	NOUN
gujaf-88	50	58	rate	rate	NOUN
gujaf-88	50	59	has	have	VERB
gujaf-88	50	60	no	no	DET
gujaf-88	50	61	significant	significant	ADJ
gujaf-88	50	62	impact	impact	NOUN
gujaf-88	50	63	on	on	ADP
gujaf-88	50	64	nonperforming	nonperforme	VERB
gujaf-88	50	65	loans	loan	NOUN
gujaf-88	50	66	of	of	ADP
gujaf-88	50	67	quoted	quote	VERB
gujaf-88	50	68	commercial	commercial	ADJ
gujaf-88	50	69	banks	bank	NOUN
gujaf-88	50	70	in	in	ADP
gujaf-88	50	71	nigeria	nigeria	PROPN
gujaf-88	50	72	2	2	NUM
gujaf-88	50	73	.	.	X
gujaf-88	50	74	review	review	NOUN
gujaf-88	50	75	of	of	ADP
gujaf-88	50	76	empirical	empirical	ADJ
gujaf-88	50	77	studies	study	NOUN
gujaf-88	50	78	malaimi	malaimi	X
gujaf-88	50	79	(	(	PUNCT
gujaf-88	50	80	2017	2017	NUM
gujaf-88	50	81	)	)	PUNCT
gujaf-88	50	82	studied	study	VERB
gujaf-88	50	83	the	the	DET
gujaf-88	50	84	effect	effect	NOUN
gujaf-88	50	85	of	of	ADP
gujaf-88	50	86	capital	capital	NOUN
gujaf-88	50	87	adequacy	adequacy	NOUN
gujaf-88	50	88	,	,	PUNCT
gujaf-88	50	89	loan	loan	NOUN
gujaf-88	50	90	growth	growth	NOUN
gujaf-88	50	91	and	and	CCONJ
gujaf-88	50	92	profitability	profitability	NOUN
gujaf-88	50	93	on	on	ADP
gujaf-88	50	94	nonperforming	nonperforme	VERB
gujaf-88	50	95	loans	loan	NOUN
gujaf-88	50	96	of	of	ADP
gujaf-88	50	97	tanzania	tanzania	PROPN
gujaf-88	50	98	banking	banking	NOUN
gujaf-88	50	99	sector	sector	NOUN
gujaf-88	50	100	.	.	PUNCT
gujaf-88	51	1	the	the	DET
gujaf-88	51	2	study	study	NOUN
gujaf-88	51	3	made	make	VERB
gujaf-88	51	4	use	use	NOUN
gujaf-88	51	5	of	of	ADP
gujaf-88	51	6	regression	regression	NOUN
gujaf-88	51	7	analysis	analysis	NOUN
gujaf-88	51	8	,	,	PUNCT
gujaf-88	51	9	which	which	PRON
gujaf-88	51	10	found	find	VERB
gujaf-88	51	11	out	out	ADP
gujaf-88	51	12	that	that	DET
gujaf-88	51	13	car	car	NOUN
gujaf-88	51	14	and	and	CCONJ
gujaf-88	51	15	profitability	profitability	NOUN
gujaf-88	51	16	posed	pose	VERB
gujaf-88	51	17	an	an	DET
gujaf-88	51	18	insignificant	insignificant	ADJ
gujaf-88	51	19	effect	effect	NOUN
gujaf-88	51	20	on	on	ADP
gujaf-88	51	21	nonperforming	nonperforme	VERB
gujaf-88	51	22	loan	loan	NOUN
gujaf-88	51	23	of	of	ADP
gujaf-88	51	24	tanzania	tanzania	PROPN
gujaf-88	51	25	banking	banking	NOUN
gujaf-88	51	26	sector	sector	NOUN
gujaf-88	51	27	.	.	PUNCT
gujaf-88	52	1	rahman	rahman	PROPN
gujaf-88	52	2	,	,	PUNCT
gujaf-88	52	3	et	et	PROPN
gujaf-88	52	4	al	al	PROPN
gujaf-88	52	5	.	.	PROPN
gujaf-88	52	6	(	(	PUNCT
gujaf-88	52	7	2017	2017	NUM
gujaf-88	52	8	)	)	PUNCT
gujaf-88	52	9	studied	study	VERB
gujaf-88	52	10	the	the	DET
gujaf-88	52	11	impact	impact	NOUN
gujaf-88	52	12	of	of	ADP
gujaf-88	52	13	financial	financial	ADJ
gujaf-88	52	14	ratio	ratio	NOUN
gujaf-88	52	15	on	on	ADP
gujaf-88	52	16	nonperforming	nonperforme	VERB
gujaf-88	52	17	loans	loan	NOUN
gujaf-88	52	18	of	of	ADP
gujaf-88	52	19	quoted	quote	VERB
gujaf-88	52	20	commercial	commercial	ADJ
gujaf-88	52	21	banks	bank	NOUN
gujaf-88	52	22	in	in	ADP
gujaf-88	52	23	bangladesh	bangladesh	NOUN
gujaf-88	52	24	.	.	PUNCT
gujaf-88	53	1	the	the	DET
gujaf-88	53	2	study	study	NOUN
gujaf-88	53	3	observed	observe	VERB
gujaf-88	53	4	20	20	NUM
gujaf-88	53	5	banks	bank	NOUN
gujaf-88	53	6	from	from	ADP
gujaf-88	53	7	2010	2010	NUM
gujaf-88	53	8	-	-	SYM
gujaf-88	53	9	2015	2015	NUM
gujaf-88	53	10	;	;	PUNCT
gujaf-88	53	11	the	the	DET
gujaf-88	53	12	result	result	NOUN
gujaf-88	53	13	reveals	reveal	VERB
gujaf-88	53	14	that	that	SCONJ
gujaf-88	53	15	the	the	DET
gujaf-88	53	16	variable	variable	NOUN
gujaf-88	53	17	of	of	ADP
gujaf-88	53	18	capital	capital	NOUN
gujaf-88	53	19	adequacy	adequacy	NOUN
gujaf-88	53	20	ratio	ratio	NOUN
gujaf-88	53	21	and	and	CCONJ
gujaf-88	53	22	return	return	NOUN
gujaf-88	53	23	on	on	ADP
gujaf-88	53	24	asset	asset	NOUN
gujaf-88	53	25	shows	show	VERB
gujaf-88	53	26	a	a	DET
gujaf-88	53	27	negative	negative	ADJ
gujaf-88	53	28	influence	influence	NOUN
gujaf-88	53	29	on	on	ADP
gujaf-88	53	30	nonperforming	nonperforme	VERB
gujaf-88	53	31	loan	loan	NOUN
gujaf-88	53	32	.	.	PUNCT
gujaf-88	54	1	while	while	SCONJ
gujaf-88	54	2	the	the	DET
gujaf-88	54	3	variable	variable	NOUN
gujaf-88	54	4	of	of	ADP
gujaf-88	54	5	loan	loan	NOUN
gujaf-88	54	6	-	-	PUNCT
gujaf-88	54	7	deposit	deposit	NOUN
gujaf-88	54	8	ratio	ratio	NOUN
gujaf-88	54	9	exerts	exert	VERB
gujaf-88	54	10	positive	positive	ADJ
gujaf-88	54	11	influence	influence	NOUN
gujaf-88	54	12	on	on	ADP
gujaf-88	54	13	nonperforming	nonperforme	VERB
gujaf-88	54	14	loan	loan	NOUN
gujaf-88	54	15	.	.	PUNCT
gujaf-88	55	1	also	also	ADV
gujaf-88	55	2	,	,	PUNCT
gujaf-88	55	3	seogeng	seogeng	PROPN
gujaf-88	55	4	et	et	PROPN
gujaf-88	55	5	al	al	PROPN
gujaf-88	55	6	.	.	PROPN
gujaf-88	56	1	(	(	PUNCT
gujaf-88	56	2	2018	2018	NUM
gujaf-88	56	3	)	)	PUNCT
gujaf-88	56	4	studied	study	VERB
gujaf-88	56	5	the	the	DET
gujaf-88	56	6	effect	effect	NOUN
gujaf-88	56	7	of	of	ADP
gujaf-88	56	8	loan	loan	NOUN
gujaf-88	56	9	-	-	PUNCT
gujaf-88	56	10	deposit	deposit	NOUN
gujaf-88	56	11	ratio	ratio	NOUN
gujaf-88	56	12	among	among	ADP
gujaf-88	56	13	other	other	ADJ
gujaf-88	56	14	variables	variable	NOUN
gujaf-88	56	15	on	on	ADP
gujaf-88	56	16	bank	bank	NOUN
gujaf-88	56	17	performance	performance	NOUN
gujaf-88	56	18	using	use	VERB
gujaf-88	56	19	roa	roa	NOUN
gujaf-88	56	20	as	as	ADP
gujaf-88	56	21	proxy	proxy	NOUN
gujaf-88	56	22	.	.	PUNCT
gujaf-88	57	1	the	the	DET
gujaf-88	57	2	study	study	NOUN
gujaf-88	57	3	established	establish	VERB
gujaf-88	57	4	a	a	DET
gujaf-88	57	5	significant	significant	ADJ
gujaf-88	57	6	negative	negative	ADJ
gujaf-88	57	7	relationship	relationship	NOUN
gujaf-88	57	8	between	between	ADP
gujaf-88	57	9	loan	loan	NOUN
gujaf-88	57	10	-	-	PUNCT
gujaf-88	57	11	deposit	deposit	NOUN
gujaf-88	57	12	ratio	ratio	NOUN
gujaf-88	57	13	and	and	CCONJ
gujaf-88	57	14	bank	bank	NOUN
gujaf-88	57	15	performance	performance	NOUN
gujaf-88	57	16	.	.	PUNCT
gujaf-88	58	1	wood	wood	NOUN
gujaf-88	58	2	and	and	CCONJ
gujaf-88	58	3	skinner	skinner	NOUN
gujaf-88	58	4	(	(	PUNCT
gujaf-88	58	5	2018	2018	NUM
gujaf-88	58	6	)	)	PUNCT
gujaf-88	58	7	,	,	PUNCT
gujaf-88	58	8	looked	look	VERB
gujaf-88	58	9	at	at	ADP
gujaf-88	58	10	the	the	DET
gujaf-88	58	11	causes	cause	NOUN
gujaf-88	58	12	of	of	ADP
gujaf-88	58	13	nonperforming	nonperforme	VERB
gujaf-88	58	14	loan	loan	NOUN
gujaf-88	58	15	of	of	ADP
gujaf-88	58	16	banks	bank	NOUN
gujaf-88	58	17	in	in	ADP
gujaf-88	58	18	bardados	bardado	NOUN
gujaf-88	58	19	over	over	ADP
gujaf-88	58	20	the	the	DET
gujaf-88	58	21	period	period	NOUN
gujaf-88	58	22	of	of	ADP
gujaf-88	58	23	1991	1991	NUM
gujaf-88	58	24	-	-	SYM
gujaf-88	58	25	2015	2015	NUM
gujaf-88	58	26	.	.	PUNCT
gujaf-88	59	1	the	the	DET
gujaf-88	59	2	study	study	NOUN
gujaf-88	59	3	found	find	VERB
gujaf-88	59	4	out	out	ADP
gujaf-88	59	5	that	that	SCONJ
gujaf-88	59	6	the	the	DET
gujaf-88	59	7	variables	variable	NOUN
gujaf-88	59	8	of	of	ADP
gujaf-88	59	9	return	return	NOUN
gujaf-88	59	10	on	on	ADP
gujaf-88	59	11	equity	equity	NOUN
gujaf-88	59	12	,	,	PUNCT
gujaf-88	59	13	return	return	VERB
gujaf-88	59	14	on	on	ADP
gujaf-88	59	15	asset	asset	NOUN
gujaf-88	59	16	,	,	PUNCT
gujaf-88	59	17	loan	loan	NOUN
gujaf-88	59	18	to	to	PART
gujaf-88	59	19	deposit	deposit	VERB
gujaf-88	59	20	ratio	ratio	NOUN
gujaf-88	59	21	and	and	CCONJ
gujaf-88	59	22	car	car	NOUN
gujaf-88	59	23	are	be	AUX
gujaf-88	59	24	strong	strong	ADJ
gujaf-88	59	25	determinant	determinant	ADJ
gujaf-88	59	26	of	of	ADP
gujaf-88	59	27	nonperforming	nonperforme	VERB
gujaf-88	59	28	loan	loan	NOUN
gujaf-88	59	29	.	.	PUNCT
gujaf-88	60	1	also	also	ADV
gujaf-88	60	2	,	,	PUNCT
gujaf-88	60	3	osuma	osuma	PROPN
gujaf-88	60	4	et	et	PROPN
gujaf-88	60	5	al	al	PROPN
gujaf-88	60	6	.	.	PROPN
gujaf-88	60	7	(	(	PUNCT
gujaf-88	60	8	2019	2019	NUM
gujaf-88	60	9	)	)	PUNCT
gujaf-88	60	10	,	,	PUNCT
gujaf-88	60	11	examined	examine	VERB
gujaf-88	60	12	the	the	DET
gujaf-88	60	13	“	"	PUNCT
gujaf-88	60	14	effect	effect	NOUN
gujaf-88	60	15	of	of	ADP
gujaf-88	60	16	global	global	ADJ
gujaf-88	60	17	oil	oil	NOUN
gujaf-88	60	18	price	price	NOUN
gujaf-88	60	19	decline	decline	NOUN
gujaf-88	60	20	on	on	ADP
gujaf-88	60	21	the	the	DET
gujaf-88	60	22	financial	financial	ADJ
gujaf-88	60	23	performance	performance	NOUN
gujaf-88	60	24	of	of	ADP
gujaf-88	60	25	sampled	sample	VERB
gujaf-88	60	26	deposit	deposit	NOUN
gujaf-88	60	27	money	money	NOUN
gujaf-88	60	28	banks	bank	NOUN
gujaf-88	60	29	in	in	ADP
gujaf-88	60	30	nigeria	nigeria	PROPN
gujaf-88	60	31	”	"	PUNCT
gujaf-88	60	32	.	.	PUNCT
gujaf-88	61	1	the	the	DET
gujaf-88	61	2	result	result	NOUN
gujaf-88	61	3	shows	show	VERB
gujaf-88	61	4	that	that	SCONJ
gujaf-88	61	5	oil	oil	NOUN
gujaf-88	61	6	price	price	NOUN
gujaf-88	61	7	has	have	VERB
gujaf-88	61	8	positive	positive	ADJ
gujaf-88	61	9	and	and	CCONJ
gujaf-88	61	10	significant	significant	ADJ
gujaf-88	61	11	effect	effect	NOUN
gujaf-88	61	12	on	on	ADP
gujaf-88	61	13	the	the	DET
gujaf-88	61	14	financial	financial	ADJ
gujaf-88	61	15	performance	performance	NOUN
gujaf-88	61	16	of	of	ADP
gujaf-88	61	17	banks	bank	NOUN
gujaf-88	61	18	.	.	PUNCT
gujaf-88	62	1	also	also	ADV
gujaf-88	62	2	,	,	PUNCT
gujaf-88	62	3	oil	oil	NOUN
gujaf-88	62	4	price	price	NOUN
gujaf-88	62	5	decline	decline	NOUN
gujaf-88	62	6	has	have	AUX
gujaf-88	62	7	led	lead	VERB
gujaf-88	62	8	to	to	ADP
gujaf-88	62	9	the	the	DET
gujaf-88	62	10	dramatic	dramatic	ADJ
gujaf-88	62	11	increase	increase	NOUN
gujaf-88	62	12	in	in	ADP
gujaf-88	62	13	non	non	ADJ
gujaf-88	62	14	-	-	ADJ
gujaf-88	62	15	performing	performing	ADJ
gujaf-88	62	16	loans	loan	NOUN
gujaf-88	62	17	,	,	PUNCT
gujaf-88	62	18	revenue	revenue	NOUN
gujaf-88	62	19	shortfalls	shortfall	NOUN
gujaf-88	62	20	,	,	PUNCT
gujaf-88	62	21	mass	mass	ADJ
gujaf-88	62	22	sacking	sacking	NOUN
gujaf-88	62	23	of	of	ADP
gujaf-88	62	24	staff	staff	NOUN
gujaf-88	62	25	,	,	PUNCT
gujaf-88	62	26	deterioration	deterioration	NOUN
gujaf-88	62	27	of	of	ADP
gujaf-88	62	28	the	the	DET
gujaf-88	62	29	banks	bank	NOUN
gujaf-88	62	30	’	’	PART
gujaf-88	62	31	asset	asset	NOUN
gujaf-88	62	32	quality	quality	NOUN
gujaf-88	62	33	,	,	PUNCT
gujaf-88	62	34	decrease	decrease	NOUN
gujaf-88	62	35	in	in	ADP
gujaf-88	62	36	the	the	DET
gujaf-88	62	37	bank	bank	NOUN
gujaf-88	62	38	deposit	deposit	NOUN
gujaf-88	62	39	base	base	NOUN
gujaf-88	62	40	,	,	PUNCT
gujaf-88	62	41	reduction	reduction	NOUN
gujaf-88	62	42	in	in	ADP
gujaf-88	62	43	the	the	DET
gujaf-88	62	44	banks	bank	NOUN
gujaf-88	62	45	’	’	PART
gujaf-88	62	46	profits	profit	NOUN
gujaf-88	62	47	and	and	CCONJ
gujaf-88	62	48	so	so	ADV
gujaf-88	62	49	on	on	ADV
gujaf-88	62	50	.	.	PUNCT
gujaf-88	63	1	similarly	similarly	ADV
gujaf-88	63	2	,	,	PUNCT
gujaf-88	63	3	al	al	PROPN
gujaf-88	63	4	-	-	PUNCT
gujaf-88	63	5	khazali	khazali	PROPN
gujaf-88	63	6	and	and	CCONJ
gujaf-88	63	7	mirzaei	mirzaei	ADJ
gujaf-88	63	8	(	(	PUNCT
gujaf-88	63	9	2017	2017	NUM
gujaf-88	63	10	)	)	PUNCT
gujaf-88	63	11	,	,	PUNCT
gujaf-88	63	12	investigated	investigate	VERB
gujaf-88	63	13	oil	oil	NOUN
gujaf-88	63	14	price	price	NOUN
gujaf-88	63	15	movement	movement	NOUN
gujaf-88	63	16	and	and	CCONJ
gujaf-88	63	17	its	its	PRON
gujaf-88	63	18	impact	impact	NOUN
gujaf-88	63	19	on	on	ADP
gujaf-88	63	20	the	the	DET
gujaf-88	63	21	nonperforming	nonperforme	VERB
gujaf-88	63	22	loan	loan	NOUN
gujaf-88	63	23	of	of	ADP
gujaf-88	63	24	banks	bank	NOUN
gujaf-88	63	25	with	with	ADP
gujaf-88	63	26	evidence	evidence	NOUN
gujaf-88	63	27	from	from	ADP
gujaf-88	63	28	oil	oil	NOUN
gujaf-88	63	29	-	-	PUNCT
gujaf-88	63	30	exporting	export	VERB
gujaf-88	63	31	countries	country	NOUN
gujaf-88	63	32	.	.	PUNCT
gujaf-88	64	1	the	the	DET
gujaf-88	64	2	study	study	NOUN
gujaf-88	64	3	made	make	VERB
gujaf-88	64	4	use	use	NOUN
gujaf-88	64	5	of	of	ADP
gujaf-88	64	6	data	datum	NOUN
gujaf-88	64	7	collected	collect	VERB
gujaf-88	64	8	from	from	ADP
gujaf-88	64	9	2310	2310	NUM
gujaf-88	64	10	commercial	commercial	ADJ
gujaf-88	64	11	banks	bank	NOUN
gujaf-88	64	12	in	in	ADP
gujaf-88	64	13	30	30	NUM
gujaf-88	64	14	countries	country	NOUN
gujaf-88	64	15	using	use	VERB
gujaf-88	64	16	a	a	DET
gujaf-88	64	17	dynamic	dynamic	ADJ
gujaf-88	64	18	gmm	gmm	NOUN
gujaf-88	64	19	model	model	NOUN
gujaf-88	64	20	for	for	ADP
gujaf-88	64	21	the	the	DET
gujaf-88	64	22	period	period	NOUN
gujaf-88	64	23	2000	2000	NUM
gujaf-88	64	24	-	-	SYM
gujaf-88	64	25	2014	2014	NUM
gujaf-88	64	26	.	.	PUNCT
gujaf-88	65	1	the	the	DET
gujaf-88	65	2	result	result	NOUN
gujaf-88	65	3	shows	show	VERB
gujaf-88	65	4	that	that	SCONJ
gujaf-88	65	5	oil	oil	NOUN
gujaf-88	65	6	price	price	NOUN
gujaf-88	65	7	has	have	VERB
gujaf-88	65	8	significant	significant	ADJ
gujaf-88	65	9	impact	impact	NOUN
gujaf-88	65	10	on	on	ADP
gujaf-88	65	11	npls	npls	NOUN
gujaf-88	65	12	of	of	ADP
gujaf-88	65	13	banks	bank	NOUN
gujaf-88	65	14	and	and	CCONJ
gujaf-88	65	15	this	this	DET
gujaf-88	65	16	asymmetric	asymmetric	ADJ
gujaf-88	65	17	impact	impact	NOUN
gujaf-88	65	18	of	of	ADP
gujaf-88	65	19	oil	oil	NOUN
gujaf-88	65	20	price	price	NOUN
gujaf-88	65	21	,	,	PUNCT
gujaf-88	65	22	tends	tend	VERB
gujaf-88	65	23	to	to	PART
gujaf-88	65	24	affect	affect	VERB
gujaf-88	65	25	the	the	DET
gujaf-88	65	26	nonperforming	nonperforme	VERB
gujaf-88	65	27	loans	loan	NOUN
gujaf-88	65	28	of	of	ADP
gujaf-88	65	29	larger	large	ADJ
gujaf-88	65	30	banks	bank	NOUN
gujaf-88	65	31	more	more	ADJ
gujaf-88	65	32	than	than	ADP
gujaf-88	65	33	the	the	DET
gujaf-88	65	34	smaller	small	ADJ
gujaf-88	65	35	once	once	ADV
gujaf-88	65	36	.	.	PUNCT
gujaf-88	66	1	5	5	NUM
gujaf-88	66	2	similarly	similarly	ADV
gujaf-88	66	3	,	,	PUNCT
gujaf-88	66	4	lending	lending	NOUN
gujaf-88	66	5	rate	rate	NOUN
gujaf-88	66	6	is	be	AUX
gujaf-88	66	7	a	a	DET
gujaf-88	66	8	strong	strong	ADJ
gujaf-88	66	9	determinant	determinant	NOUN
gujaf-88	66	10	of	of	ADP
gujaf-88	66	11	nonperforming	nonperforming	ADJ
gujaf-88	66	12	loan	loan	NOUN
gujaf-88	66	13	in	in	ADP
gujaf-88	66	14	nigeria	nigeria	PROPN
gujaf-88	66	15	.	.	PUNCT
gujaf-88	67	1	amah	amah	PROPN
gujaf-88	67	2	(	(	PUNCT
gujaf-88	67	3	2017	2017	NUM
gujaf-88	67	4	)	)	PUNCT
gujaf-88	67	5	studied	study	VERB
gujaf-88	67	6	on	on	ADP
gujaf-88	67	7	the	the	DET
gujaf-88	67	8	factors	factor	NOUN
gujaf-88	67	9	responsible	responsible	ADJ
gujaf-88	67	10	for	for	ADP
gujaf-88	67	11	non	non	ADJ
gujaf-88	67	12	-	-	ADJ
gujaf-88	67	13	performing	performing	ADJ
gujaf-88	67	14	loans	loan	NOUN
gujaf-88	67	15	in	in	ADP
gujaf-88	67	16	emerging	emerge	VERB
gujaf-88	67	17	economies	economy	NOUN
gujaf-88	67	18	with	with	ADP
gujaf-88	67	19	special	special	ADJ
gujaf-88	67	20	attention	attention	NOUN
gujaf-88	67	21	on	on	ADP
gujaf-88	67	22	nigeria	nigeria	PROPN
gujaf-88	67	23	banking	banking	NOUN
gujaf-88	67	24	industry	industry	NOUN
gujaf-88	67	25	.	.	PUNCT
gujaf-88	68	1	time	time	PROPN
gujaf-88	68	2	series	series	PROPN
gujaf-88	68	3	data	data	PROPN
gujaf-88	68	4	for	for	ADP
gujaf-88	68	5	the	the	DET
gujaf-88	68	6	period	period	NOUN
gujaf-88	68	7	1993	1993	NUM
gujaf-88	68	8	-	-	SYM
gujaf-88	68	9	2014	2014	NUM
gujaf-88	68	10	was	be	AUX
gujaf-88	68	11	collected	collect	VERB
gujaf-88	68	12	for	for	ADP
gujaf-88	68	13	the	the	DET
gujaf-88	68	14	study	study	NOUN
gujaf-88	68	15	.	.	PUNCT
gujaf-88	69	1	ols	ol	NOUN
gujaf-88	69	2	was	be	AUX
gujaf-88	69	3	employed	employ	VERB
gujaf-88	69	4	in	in	ADP
gujaf-88	69	5	the	the	DET
gujaf-88	69	6	study	study	NOUN
gujaf-88	69	7	.	.	PUNCT
gujaf-88	70	1	the	the	DET
gujaf-88	70	2	result	result	NOUN
gujaf-88	70	3	shows	show	VERB
gujaf-88	70	4	that	that	SCONJ
gujaf-88	70	5	bank	bank	NOUN
gujaf-88	70	6	lending	lending	NOUN
gujaf-88	70	7	rate	rate	NOUN
gujaf-88	70	8	had	have	VERB
gujaf-88	70	9	positive	positive	ADJ
gujaf-88	70	10	and	and	CCONJ
gujaf-88	70	11	direct	direct	ADJ
gujaf-88	70	12	effects	effect	NOUN
gujaf-88	70	13	on	on	ADP
gujaf-88	70	14	non	non	ADJ
gujaf-88	70	15	-	-	ADJ
gujaf-88	70	16	performing	perform	VERB
gujaf-88	70	17	loan	loan	NOUN
gujaf-88	70	18	.	.	PUNCT
gujaf-88	71	1	many	many	ADJ
gujaf-88	71	2	empirical	empirical	ADJ
gujaf-88	71	3	evidences	evidence	NOUN
gujaf-88	71	4	show	show	VERB
gujaf-88	71	5	that	that	SCONJ
gujaf-88	71	6	lending	lending	NOUN
gujaf-88	71	7	interest	interest	NOUN
gujaf-88	71	8	rate	rate	NOUN
gujaf-88	71	9	has	have	VERB
gujaf-88	71	10	a	a	DET
gujaf-88	71	11	positive	positive	ADJ
gujaf-88	71	12	and	and	CCONJ
gujaf-88	71	13	direct	direct	ADJ
gujaf-88	71	14	relationship	relationship	NOUN
gujaf-88	71	15	with	with	ADP
gujaf-88	71	16	npls	npls	NOUN
gujaf-88	71	17	(	(	PUNCT
gujaf-88	71	18	khan	khan	PROPN
gujaf-88	71	19	&	&	CCONJ
gujaf-88	71	20	ahmad	ahmad	PROPN
gujaf-88	71	21	2017	2017	NUM
gujaf-88	71	22	,	,	PUNCT
gujaf-88	71	23	khemraj	khemraj	PROPN
gujaf-88	71	24	&	&	CCONJ
gujaf-88	71	25	pasha	pasha	PROPN
gujaf-88	71	26	,	,	PUNCT
gujaf-88	71	27	2009	2009	NUM
gujaf-88	71	28	)	)	PUNCT
gujaf-88	71	29	.	.	PUNCT
gujaf-88	72	1	increase	increase	VERB
gujaf-88	72	2	in	in	ADP
gujaf-88	72	3	lending	lending	NOUN
gujaf-88	72	4	interest	interest	NOUN
gujaf-88	72	5	rate	rate	NOUN
gujaf-88	72	6	will	will	AUX
gujaf-88	72	7	lead	lead	VERB
gujaf-88	72	8	to	to	ADP
gujaf-88	72	9	a	a	DET
gujaf-88	72	10	similar	similar	ADJ
gujaf-88	72	11	increase	increase	NOUN
gujaf-88	72	12	in	in	ADP
gujaf-88	72	13	the	the	DET
gujaf-88	72	14	rate	rate	NOUN
gujaf-88	72	15	of	of	ADP
gujaf-88	72	16	npls	npls	NOUN
gujaf-88	72	17	.	.	PUNCT
gujaf-88	73	1	however	however	ADV
gujaf-88	73	2	,	,	PUNCT
gujaf-88	73	3	the	the	DET
gujaf-88	73	4	study	study	NOUN
gujaf-88	73	5	of	of	ADP
gujaf-88	73	6	chege	chege	NOUN
gujaf-88	73	7	(	(	PUNCT
gujaf-88	73	8	2014	2014	NUM
gujaf-88	73	9	)	)	PUNCT
gujaf-88	73	10	and	and	CCONJ
gujaf-88	73	11	mondal	mondal	NOUN
gujaf-88	73	12	(	(	PUNCT
gujaf-88	73	13	2016	2016	NUM
gujaf-88	73	14	)	)	PUNCT
gujaf-88	73	15	among	among	ADP
gujaf-88	73	16	others	other	NOUN
gujaf-88	73	17	shows	show	VERB
gujaf-88	73	18	a	a	DET
gujaf-88	73	19	negative	negative	ADJ
gujaf-88	73	20	relationship	relationship	NOUN
gujaf-88	73	21	between	between	ADP
gujaf-88	73	22	lending	lending	NOUN
gujaf-88	73	23	rate	rate	NOUN
gujaf-88	73	24	and	and	CCONJ
gujaf-88	73	25	nonperforming	nonperforme	VERB
gujaf-88	73	26	loan	loan	NOUN
gujaf-88	73	27	.	.	PUNCT
gujaf-88	74	1	the	the	DET
gujaf-88	74	2	moral	moral	ADJ
gujaf-88	74	3	hazard	hazard	NOUN
gujaf-88	74	4	theory	theory	NOUN
gujaf-88	74	5	as	as	SCONJ
gujaf-88	74	6	developed	develop	VERB
gujaf-88	74	7	by	by	ADP
gujaf-88	74	8	akerlof	akerlof	NOUN
gujaf-88	74	9	(	(	PUNCT
gujaf-88	74	10	1976	1976	NUM
gujaf-88	74	11	)	)	PUNCT
gujaf-88	74	12	;	;	PUNCT
gujaf-88	74	13	later	later	ADV
gujaf-88	74	14	reviewed	review	VERB
gujaf-88	74	15	by	by	ADP
gujaf-88	74	16	keeton	keeton	PROPN
gujaf-88	74	17	and	and	CCONJ
gujaf-88	74	18	morris	morris	PROPN
gujaf-88	74	19	(	(	PUNCT
gujaf-88	74	20	1987	1987	NUM
gujaf-88	74	21	)	)	PUNCT
gujaf-88	74	22	as	as	ADV
gujaf-88	74	23	well	well	ADV
gujaf-88	74	24	as	as	ADP
gujaf-88	74	25	berger	berger	PROPN
gujaf-88	74	26	and	and	CCONJ
gujaf-88	74	27	deyong	deyong	PROPN
gujaf-88	74	28	(	(	PUNCT
gujaf-88	74	29	1997	1997	NUM
gujaf-88	74	30	)	)	PUNCT
gujaf-88	74	31	.	.	PUNCT
gujaf-88	75	1	the	the	DET
gujaf-88	75	2	theory	theory	NOUN
gujaf-88	75	3	put	put	VERB
gujaf-88	75	4	forward	forward	ADV
gujaf-88	75	5	that	that	SCONJ
gujaf-88	75	6	bank	bank	NOUN
gujaf-88	75	7	with	with	ADP
gujaf-88	75	8	low	low	ADJ
gujaf-88	75	9	capital	capital	NOUN
gujaf-88	75	10	base	base	NOUN
gujaf-88	75	11	may	may	AUX
gujaf-88	75	12	be	be	AUX
gujaf-88	75	13	tempted	tempt	VERB
gujaf-88	75	14	to	to	PART
gujaf-88	75	15	raise	raise	VERB
gujaf-88	75	16	earning	earn	VERB
gujaf-88	75	17	by	by	ADP
gujaf-88	75	18	giving	give	VERB
gujaf-88	75	19	loan	loan	NOUN
gujaf-88	75	20	and	and	CCONJ
gujaf-88	75	21	advances	advance	NOUN
gujaf-88	75	22	to	to	ADP
gujaf-88	75	23	borrowers	borrower	NOUN
gujaf-88	75	24	do	do	AUX
gujaf-88	75	25	not	not	PART
gujaf-88	75	26	meet	meet	VERB
gujaf-88	75	27	up	up	ADP
gujaf-88	75	28	with	with	ADP
gujaf-88	75	29	the	the	DET
gujaf-88	75	30	quality	quality	NOUN
gujaf-88	75	31	threshold	threshold	NOUN
gujaf-88	75	32	.	.	PUNCT
gujaf-88	76	1	hence	hence	ADV
gujaf-88	76	2	,	,	PUNCT
gujaf-88	76	3	leading	lead	VERB
gujaf-88	76	4	to	to	ADP
gujaf-88	76	5	nonperforming	nonperforme	VERB
gujaf-88	76	6	loan	loan	NOUN
gujaf-88	76	7	.	.	PUNCT
gujaf-88	77	1	that	that	PRON
gujaf-88	77	2	is	be	AUX
gujaf-88	77	3	,	,	PUNCT
gujaf-88	77	4	the	the	DET
gujaf-88	77	5	assumption	assumption	NOUN
gujaf-88	77	6	of	of	ADP
gujaf-88	77	7	the	the	DET
gujaf-88	77	8	theory	theory	NOUN
gujaf-88	77	9	is	be	AUX
gujaf-88	77	10	that	that	SCONJ
gujaf-88	77	11	nonperforming	nonperforme	VERB
gujaf-88	77	12	loan	loan	NOUN
gujaf-88	77	13	increases	increase	NOUN
gujaf-88	77	14	when	when	SCONJ
gujaf-88	77	15	the	the	DET
gujaf-88	77	16	capitalization	capitalization	NOUN
gujaf-88	77	17	of	of	ADP
gujaf-88	77	18	banks	bank	NOUN
gujaf-88	77	19	is	be	AUX
gujaf-88	77	20	decreasing	decrease	VERB
gujaf-88	77	21	;	;	PUNCT
gujaf-88	77	22	also	also	ADV
gujaf-88	77	23	,	,	PUNCT
gujaf-88	77	24	an	an	DET
gujaf-88	77	25	increase	increase	NOUN
gujaf-88	77	26	in	in	ADP
gujaf-88	77	27	loan	loan	NOUN
gujaf-88	77	28	-	-	PUNCT
gujaf-88	77	29	deposit	deposit	NOUN
gujaf-88	77	30	ratio	ratio	NOUN
gujaf-88	77	31	increases	increase	VERB
gujaf-88	77	32	the	the	DET
gujaf-88	77	33	level	level	NOUN
gujaf-88	77	34	of	of	ADP
gujaf-88	77	35	nonperforming	nonperforming	ADJ
gujaf-88	77	36	loan	loan	NOUN
gujaf-88	77	37	among	among	ADP
gujaf-88	77	38	other	other	ADJ
gujaf-88	77	39	factors	factor	NOUN
gujaf-88	77	40	(	(	PUNCT
gujaf-88	77	41	auadit	auadit	NOUN
gujaf-88	77	42	&	&	CCONJ
gujaf-88	77	43	nguyen	nguyen	PROPN
gujaf-88	77	44	,	,	PUNCT
gujaf-88	77	45	2016	2016	NUM
gujaf-88	77	46	)	)	PUNCT
gujaf-88	77	47	.	.	PUNCT
gujaf-88	78	1	the	the	DET
gujaf-88	78	2	back	back	ADJ
gujaf-88	78	3	-	-	PUNCT
gujaf-88	78	4	luck	luck	NOUN
gujaf-88	78	5	hypothesis	hypothesis	NOUN
gujaf-88	78	6	is	be	AUX
gujaf-88	78	7	developed	develop	VERB
gujaf-88	78	8	by	by	ADP
gujaf-88	78	9	berger	berger	PROPN
gujaf-88	78	10	and	and	CCONJ
gujaf-88	78	11	deyoung	deyoung	PROPN
gujaf-88	78	12	(	(	PUNCT
gujaf-88	78	13	1997	1997	NUM
gujaf-88	78	14	)	)	PUNCT
gujaf-88	78	15	.	.	PUNCT
gujaf-88	79	1	they	they	PRON
gujaf-88	79	2	hypothesized	hypothesize	VERB
gujaf-88	79	3	that	that	SCONJ
gujaf-88	79	4	external	external	ADJ
gujaf-88	79	5	factors	factor	NOUN
gujaf-88	79	6	that	that	PRON
gujaf-88	79	7	affect	affect	VERB
gujaf-88	79	8	the	the	DET
gujaf-88	79	9	economy	economy	NOUN
gujaf-88	79	10	on	on	ADP
gujaf-88	79	11	the	the	DET
gujaf-88	79	12	aggregate	aggregate	NOUN
gujaf-88	79	13	will	will	AUX
gujaf-88	79	14	equally	equally	ADV
gujaf-88	79	15	exert	exert	VERB
gujaf-88	79	16	its	its	PRON
gujaf-88	79	17	effect	effect	NOUN
gujaf-88	79	18	on	on	ADP
gujaf-88	79	19	the	the	DET
gujaf-88	79	20	level	level	NOUN
gujaf-88	79	21	of	of	ADP
gujaf-88	79	22	nonperforming	nonperforme	VERB
gujaf-88	79	23	loans	loan	NOUN
gujaf-88	79	24	either	either	CCONJ
gujaf-88	79	25	positively	positively	ADV
gujaf-88	79	26	or	or	CCONJ
gujaf-88	79	27	negatively	negatively	ADV
gujaf-88	79	28	.	.	PUNCT
gujaf-88	80	1	bad	bad	ADJ
gujaf-88	80	2	luck	luck	NOUN
gujaf-88	80	3	in	in	ADP
gujaf-88	80	4	this	this	DET
gujaf-88	80	5	context	context	NOUN
gujaf-88	80	6	mean	mean	VERB
gujaf-88	80	7	unexpected	unexpected	ADJ
gujaf-88	80	8	occurrences	occurrence	NOUN
gujaf-88	80	9	or	or	CCONJ
gujaf-88	80	10	changes	change	NOUN
gujaf-88	80	11	in	in	ADP
gujaf-88	80	12	the	the	DET
gujaf-88	80	13	macro	macro	ADJ
gujaf-88	80	14	-	-	ADJ
gujaf-88	80	15	economic	economic	ADJ
gujaf-88	80	16	variables	variable	NOUN
gujaf-88	80	17	that	that	PRON
gujaf-88	80	18	lead	lead	VERB
gujaf-88	80	19	to	to	ADP
gujaf-88	80	20	an	an	DET
gujaf-88	80	21	uncontrollable	uncontrollable	ADJ
gujaf-88	80	22	variation	variation	NOUN
gujaf-88	80	23	in	in	ADP
gujaf-88	80	24	the	the	DET
gujaf-88	80	25	level	level	NOUN
gujaf-88	80	26	of	of	ADP
gujaf-88	80	27	nonperforming	nonperforme	VERB
gujaf-88	80	28	loan	loan	NOUN
gujaf-88	80	29	.	.	PUNCT
gujaf-88	81	1	according	accord	VERB
gujaf-88	81	2	to	to	ADP
gujaf-88	81	3	podpiera	podpiera	NOUN
gujaf-88	81	4	and	and	CCONJ
gujaf-88	81	5	weil	weil	PROPN
gujaf-88	81	6	(	(	PUNCT
gujaf-88	81	7	2008	2008	NUM
gujaf-88	81	8	)	)	PUNCT
gujaf-88	81	9	,	,	PUNCT
gujaf-88	81	10	when	when	SCONJ
gujaf-88	81	11	there	there	PRON
gujaf-88	81	12	is	be	VERB
gujaf-88	81	13	a	a	DET
gujaf-88	81	14	paradigm	paradigm	NOUN
gujaf-88	81	15	shift	shift	NOUN
gujaf-88	81	16	in	in	ADP
gujaf-88	81	17	macroeconomic	macroeconomic	ADJ
gujaf-88	81	18	factors	factor	NOUN
gujaf-88	81	19	,	,	PUNCT
gujaf-88	81	20	banks	bank	NOUN
gujaf-88	81	21	will	will	AUX
gujaf-88	81	22	incur	incur	VERB
gujaf-88	81	23	extra	extra	ADJ
gujaf-88	81	24	cost	cost	NOUN
gujaf-88	81	25	when	when	SCONJ
gujaf-88	81	26	it	it	PRON
gujaf-88	81	27	comes	come	VERB
gujaf-88	81	28	to	to	ADP
gujaf-88	81	29	managing	manage	VERB
gujaf-88	81	30	loan	loan	NOUN
gujaf-88	81	31	portfolio	portfolio	NOUN
gujaf-88	81	32	which	which	PRON
gujaf-88	81	33	will	will	AUX
gujaf-88	81	34	subsequently	subsequently	ADV
gujaf-88	81	35	weakens	weaken	VERB
gujaf-88	81	36	the	the	DET
gujaf-88	81	37	efficiency	efficiency	NOUN
gujaf-88	81	38	of	of	ADP
gujaf-88	81	39	the	the	DET
gujaf-88	81	40	bank	bank	NOUN
gujaf-88	81	41	.	.	PUNCT
gujaf-88	82	1	3	3	X
gujaf-88	82	2	.	.	X
gujaf-88	82	3	methodology	methodology	NOUN
gujaf-88	82	4	and	and	CCONJ
gujaf-88	82	5	model	model	NOUN
gujaf-88	82	6	specification	specification	NOUN
gujaf-88	82	7	this	this	DET
gujaf-88	82	8	study	study	NOUN
gujaf-88	82	9	made	make	VERB
gujaf-88	82	10	use	use	NOUN
gujaf-88	82	11	of	of	ADP
gujaf-88	82	12	longitudinal	longitudinal	ADJ
gujaf-88	82	13	research	research	NOUN
gujaf-88	82	14	design	design	NOUN
gujaf-88	82	15	as	as	SCONJ
gujaf-88	82	16	recommended	recommend	VERB
gujaf-88	82	17	by	by	ADP
gujaf-88	82	18	ameer	ameer	PROPN
gujaf-88	82	19	(	(	PUNCT
gujaf-88	82	20	2015	2015	NUM
gujaf-88	82	21	)	)	PUNCT
gujaf-88	82	22	for	for	ADP
gujaf-88	82	23	panel	panel	NOUN
gujaf-88	82	24	studies	study	NOUN
gujaf-88	82	25	.	.	PUNCT
gujaf-88	83	1	this	this	PRON
gujaf-88	83	2	comprised	comprise	VERB
gujaf-88	83	3	of	of	ADP
gujaf-88	83	4	time	time	NOUN
gujaf-88	83	5	series	series	PROPN
gujaf-88	83	6	data	datum	NOUN
gujaf-88	83	7	collected	collect	VERB
gujaf-88	83	8	from	from	ADP
gujaf-88	83	9	the	the	DET
gujaf-88	83	10	cbn	cbn	PROPN
gujaf-88	83	11	statistical	statistical	ADJ
gujaf-88	83	12	bulletin	bulletin	NOUN
gujaf-88	83	13	as	as	ADV
gujaf-88	83	14	well	well	ADV
gujaf-88	83	15	as	as	ADP
gujaf-88	83	16	the	the	DET
gujaf-88	83	17	disaggregated	disaggregate	VERB
gujaf-88	83	18	data	datum	NOUN
gujaf-88	83	19	collected	collect	VERB
gujaf-88	83	20	from	from	ADP
gujaf-88	83	21	the	the	DET
gujaf-88	83	22	published	publish	VERB
gujaf-88	83	23	financial	financial	ADJ
gujaf-88	83	24	statements	statement	NOUN
gujaf-88	83	25	of	of	ADP
gujaf-88	83	26	12	12	NUM
gujaf-88	83	27	quoted	quote	VERB
gujaf-88	83	28	money	money	NOUN
gujaf-88	83	29	deposit	deposit	NOUN
gujaf-88	83	30	banks	bank	NOUN
gujaf-88	83	31	from	from	ADP
gujaf-88	83	32	2008	2008	NUM
gujaf-88	83	33	2020	2020	NUM
gujaf-88	83	34	.	.	PUNCT
gujaf-88	84	1	however	however	ADV
gujaf-88	84	2	,	,	PUNCT
gujaf-88	84	3	there	there	PRON
gujaf-88	84	4	were	be	VERB
gujaf-88	84	5	13	13	NUM
gujaf-88	84	6	quoted	quote	VERB
gujaf-88	84	7	banks	bank	NOUN
gujaf-88	84	8	but	but	CCONJ
gujaf-88	84	9	12	12	NUM
gujaf-88	84	10	was	be	AUX
gujaf-88	84	11	selected	select	VERB
gujaf-88	84	12	due	due	ADP
gujaf-88	84	13	to	to	ADP
gujaf-88	84	14	availability	availability	NOUN
gujaf-88	84	15	of	of	ADP
gujaf-88	84	16	data	datum	NOUN
gujaf-88	84	17	.	.	PUNCT
gujaf-88	85	1	hence	hence	ADV
gujaf-88	85	2	,	,	PUNCT
gujaf-88	85	3	unity	unity	NOUN
gujaf-88	85	4	bank	bank	NOUN
gujaf-88	85	5	was	be	AUX
gujaf-88	85	6	dropped	drop	VERB
gujaf-88	85	7	.	.	PUNCT
gujaf-88	86	1	the	the	DET
gujaf-88	86	2	banks	bank	NOUN
gujaf-88	86	3	selected	select	VERB
gujaf-88	86	4	include	include	VERB
gujaf-88	86	5	:	:	PUNCT
gujaf-88	86	6	access	access	PROPN
gujaf-88	86	7	bank	bank	PROPN
gujaf-88	86	8	plc	plc	PROPN
gujaf-88	86	9	,	,	PUNCT
gujaf-88	86	10	first	first	ADJ
gujaf-88	86	11	city	city	PROPN
gujaf-88	86	12	monument	monument	PROPN
gujaf-88	86	13	bank	bank	PROPN
gujaf-88	86	14	,	,	PUNCT
gujaf-88	86	15	union	union	PROPN
gujaf-88	86	16	bank	bank	PROPN
gujaf-88	86	17	nigeria	nigeria	PROPN
gujaf-88	86	18	first	first	PROPN
gujaf-88	86	19	bank	bank	PROPN
gujaf-88	86	20	plc	plc	PROPN
gujaf-88	86	21	,	,	PUNCT
gujaf-88	86	22	guaranty	guaranty	PROPN
gujaf-88	86	23	trust	trust	PROPN
gujaf-88	86	24	bank	bank	PROPN
gujaf-88	86	25	plc	plc	PROPN
gujaf-88	86	26	,	,	PUNCT
gujaf-88	86	27	ecobank	ecobank	VERB
gujaf-88	86	28	transnational	transnational	ADJ
gujaf-88	86	29	incorporation	incorporation	NOUN
gujaf-88	86	30	,	,	PUNCT
gujaf-88	86	31	stanbic	stanbic	ADJ
gujaf-88	86	32	ibtc	ibtc	ADJ
gujaf-88	86	33	,	,	PUNCT
gujaf-88	86	34	sterling	sterling	PROPN
gujaf-88	86	35	bank	bank	PROPN
gujaf-88	86	36	plc	plc	PROPN
gujaf-88	86	37	,	,	PUNCT
gujaf-88	86	38	fidelity	fidelity	PROPN
gujaf-88	86	39	bank	bank	PROPN
gujaf-88	86	40	plc	plc	PROPN
gujaf-88	86	41	,	,	PUNCT
gujaf-88	86	42	united	united	PROPN
gujaf-88	86	43	bank	bank	PROPN
gujaf-88	86	44	for	for	ADP
gujaf-88	86	45	africa	africa	PROPN
gujaf-88	86	46	plc	plc	PROPN
gujaf-88	86	47	,	,	PUNCT
gujaf-88	86	48	plc	plc	PROPN
gujaf-88	86	49	,	,	PUNCT
gujaf-88	86	50	wema	wema	PROPN
gujaf-88	86	51	bank	bank	PROPN
gujaf-88	86	52	plc	plc	PROPN
gujaf-88	86	53	and	and	CCONJ
gujaf-88	86	54	zenith	zenith	PROPN
gujaf-88	86	55	bank	bank	PROPN
gujaf-88	86	56	plc.the	plc.the	PROPN
gujaf-88	86	57	data	datum	NOUN
gujaf-88	86	58	collected	collect	VERB
gujaf-88	86	59	from	from	ADP
gujaf-88	86	60	these	these	DET
gujaf-88	86	61	banks	bank	NOUN
gujaf-88	86	62	were	be	AUX
gujaf-88	86	63	analyzed	analyze	VERB
gujaf-88	86	64	using	use	VERB
gujaf-88	86	65	descriptive	descriptive	ADJ
gujaf-88	86	66	statistics	statistic	NOUN
gujaf-88	86	67	,	,	PUNCT
gujaf-88	86	68	diverse	diverse	ADJ
gujaf-88	86	69	diagnostic	diagnostic	ADJ
gujaf-88	86	70	tests	test	NOUN
gujaf-88	86	71	as	as	ADV
gujaf-88	86	72	well	well	ADV
gujaf-88	86	73	as	as	ADP
gujaf-88	86	74	regression	regression	NOUN
gujaf-88	86	75	analysis	analysis	NOUN
gujaf-88	86	76	.	.	PUNCT
gujaf-88	87	1	nonperforming	nonperforme	VERB
gujaf-88	87	2	loans	loan	NOUN
gujaf-88	87	3	(	(	PUNCT
gujaf-88	87	4	npls	npls	NOUN
gujaf-88	87	5	)	)	PUNCT
gujaf-88	87	6	is	be	AUX
gujaf-88	87	7	the	the	DET
gujaf-88	87	8	dependent	dependent	ADJ
gujaf-88	87	9	variable	variable	NOUN
gujaf-88	87	10	while	while	SCONJ
gujaf-88	87	11	the	the	DET
gujaf-88	87	12	independent	independent	ADJ
gujaf-88	87	13	variables	variable	NOUN
gujaf-88	87	14	consist	consist	VERB
gujaf-88	87	15	of	of	ADP
gujaf-88	87	16	crude	crude	ADJ
gujaf-88	87	17	oil	oil	NOUN
gujaf-88	87	18	price	price	NOUN
gujaf-88	87	19	growth	growth	NOUN
gujaf-88	87	20	rate	rate	NOUN
gujaf-88	87	21	,	,	PUNCT
gujaf-88	87	22	lending	lending	NOUN
gujaf-88	87	23	rate	rate	NOUN
gujaf-88	87	24	and	and	CCONJ
gujaf-88	87	25	loan	loan	NOUN
gujaf-88	87	26	-	-	PUNCT
gujaf-88	87	27	deposit	deposit	NOUN
gujaf-88	87	28	ratio	ratio	NOUN
gujaf-88	87	29	which	which	PRON
gujaf-88	87	30	are	be	AUX
gujaf-88	87	31	measured	measure	VERB
gujaf-88	87	32	and	and	CCONJ
gujaf-88	87	33	calculated	calculate	VERB
gujaf-88	87	34	as	as	SCONJ
gujaf-88	87	35	follows	follow	VERB
gujaf-88	87	36	:	:	PUNCT
gujaf-88	87	37	table	table	NOUN
gujaf-88	87	38	1	1	NUM
gujaf-88	87	39	:	:	PUNCT
gujaf-88	87	40	measurement	measurement	NOUN
gujaf-88	87	41	of	of	ADP
gujaf-88	87	42	variables	variable	NOUN
gujaf-88	87	43	variables	variable	VERB
gujaf-88	87	44	symbols	symbol	NOUN
gujaf-88	87	45	expected	expect	VERB
gujaf-88	87	46	sign	sign	PROPN
gujaf-88	87	47	measurement	measurement	PROPN
gujaf-88	87	48	source	source	PROPN
gujaf-88	87	49	nonperforming	nonperforme	VERB
gujaf-88	87	50	loan	loan	NOUN
gujaf-88	87	51	npl	npl	NOUN
gujaf-88	87	52	+	+	CCONJ
gujaf-88	87	53	nonperforming	nonperforme	VERB
gujaf-88	87	54	loan/	loan/	NUM
gujaf-88	87	55	total	total	ADJ
gujaf-88	87	56	loan	loan	NOUN
gujaf-88	87	57	wurue,(2013	wurue,(2013	NOUN
gujaf-88	87	58	)	)	PUNCT
gujaf-88	87	59	,	,	PUNCT
gujaf-88	87	60	rajha	rajha	NOUN
gujaf-88	87	61	(	(	PUNCT
gujaf-88	87	62	2016	2016	NUM
gujaf-88	87	63	)	)	PUNCT
gujaf-88	87	64	6	6	NUM
gujaf-88	87	65	crude	crude	ADJ
gujaf-88	87	66	oil	oil	NOUN
gujaf-88	87	67	price	price	NOUN
gujaf-88	87	68	cop	cop	NOUN
gujaf-88	87	69	+	+	CCONJ
gujaf-88	87	70	crude	crude	ADJ
gujaf-88	87	71	oil	oil	NOUN
gujaf-88	87	72	price	price	NOUN
gujaf-88	87	73	growth	growth	NOUN
gujaf-88	87	74	rate	rate	NOUN
gujaf-88	87	75	idris	idris	PROPN
gujaf-88	87	76	and	and	CCONJ
gujaf-88	87	77	nayan	nayan	PROPN
gujaf-88	87	78	(	(	PUNCT
gujaf-88	87	79	2016	2016	NUM
gujaf-88	87	80	)	)	PUNCT
gujaf-88	87	81	.	.	PUNCT
gujaf-88	88	1	lending	lending	NOUN
gujaf-88	88	2	rate	rate	NOUN
gujaf-88	88	3	lrt	lrt	PROPN
gujaf-88	88	4	+	+	CCONJ
gujaf-88	88	5	prime	prime	ADJ
gujaf-88	88	6	lending	lending	NOUN
gujaf-88	88	7	rate	rate	NOUN
gujaf-88	88	8	amah	amah	PROPN
gujaf-88	88	9	(	(	PUNCT
gujaf-88	88	10	2017	2017	NUM
gujaf-88	88	11	)	)	PUNCT
gujaf-88	88	12	,	,	PUNCT
gujaf-88	88	13	sheefeni	sheefeni	NOUN
gujaf-88	88	14	(	(	PUNCT
gujaf-88	88	15	2016	2016	NUM
gujaf-88	88	16	)	)	PUNCT
gujaf-88	88	17	loan	loan	NOUN
gujaf-88	88	18	-	-	PUNCT
gujaf-88	88	19	deposit	deposit	NOUN
gujaf-88	88	20	ratio	ratio	NOUN
gujaf-88	88	21	ldr	ldr	NOUN
gujaf-88	88	22	+	+	CCONJ
gujaf-88	88	23	total	total	ADJ
gujaf-88	88	24	loan/	loan/	NUM
gujaf-88	88	25	total	total	ADJ
gujaf-88	88	26	deposit	deposit	NOUN
gujaf-88	88	27	rahman	rahman	PROPN
gujaf-88	88	28	,	,	PUNCT
gujaf-88	88	29	asaduzzaman	asaduzzaman	NOUN
gujaf-88	88	30	and	and	CCONJ
gujaf-88	88	31	hossin	hossin	NOUN
gujaf-88	88	32	(	(	PUNCT
gujaf-88	88	33	2017	2017	NUM
gujaf-88	88	34	)	)	PUNCT
gujaf-88	88	35	capital	capital	NOUN
gujaf-88	88	36	adequacy	adequacy	NOUN
gujaf-88	88	37	ratio	ratio	NOUN
gujaf-88	88	38	car	car	NOUN
gujaf-88	88	39	_	_	PRON
gujaf-88	88	40	tier1+tier2/	tier1+tier2/	PROPN
gujaf-88	88	41	risk	risk	NOUN
gujaf-88	88	42	weighted	weight	VERB
gujaf-88	88	43	asset	asset	NOUN
gujaf-88	88	44	malaimi	malaimi	NOUN
gujaf-88	88	45	(	(	PUNCT
gujaf-88	88	46	2017	2017	NUM
gujaf-88	88	47	)	)	PUNCT
gujaf-88	88	48	,	,	PUNCT
gujaf-88	88	49	rahman	rahman	PROPN
gujaf-88	88	50	etal	etal	PROPN
gujaf-88	88	51	(	(	PUNCT
gujaf-88	88	52	2017	2017	NUM
gujaf-88	88	53	)	)	PUNCT
gujaf-88	88	54	source	source	NOUN
gujaf-88	88	55	:	:	PUNCT
gujaf-88	88	56	authors	author	NOUN
gujaf-88	88	57	’	'	PUNCT
gujaf-88	88	58	computation	computation	NOUN
gujaf-88	88	59	,	,	PUNCT
gujaf-88	88	60	2021	2021	NUM
gujaf-88	88	61	to	to	PART
gujaf-88	88	62	properly	properly	ADV
gujaf-88	88	63	examine	examine	VERB
gujaf-88	88	64	the	the	DET
gujaf-88	88	65	impact	impact	NOUN
gujaf-88	88	66	of	of	ADP
gujaf-88	88	67	bank	bank	NOUN
gujaf-88	88	68	specific	specific	ADJ
gujaf-88	88	69	factors	factor	NOUN
gujaf-88	88	70	and	and	CCONJ
gujaf-88	88	71	macroeconomic	macroeconomic	ADJ
gujaf-88	88	72	variables	variable	NOUN
gujaf-88	88	73	on	on	ADP
gujaf-88	88	74	nonperforming	nonperforme	VERB
gujaf-88	88	75	loan	loan	NOUN
gujaf-88	88	76	of	of	ADP
gujaf-88	88	77	quoted	quote	VERB
gujaf-88	88	78	deposit	deposit	NOUN
gujaf-88	88	79	money	money	NOUN
gujaf-88	88	80	banks	bank	NOUN
gujaf-88	88	81	in	in	ADP
gujaf-88	88	82	nigeria	nigeria	PROPN
gujaf-88	88	83	,	,	PUNCT
gujaf-88	88	84	the	the	DET
gujaf-88	88	85	model	model	NOUN
gujaf-88	88	86	formulated	formulate	VERB
gujaf-88	88	87	by	by	ADP
gujaf-88	88	88	wurue	wurue	NOUN
gujaf-88	88	89	(	(	PUNCT
gujaf-88	88	90	2013	2013	NUM
gujaf-88	88	91	)	)	PUNCT
gujaf-88	88	92	was	be	AUX
gujaf-88	88	93	modified	modify	VERB
gujaf-88	88	94	to	to	PART
gujaf-88	88	95	suit	suit	VERB
gujaf-88	88	96	this	this	DET
gujaf-88	88	97	study	study	NOUN
gujaf-88	88	98	.	.	PUNCT
gujaf-88	89	1	the	the	DET
gujaf-88	89	2	model	model	NOUN
gujaf-88	89	3	is	be	AUX
gujaf-88	89	4	presented	present	VERB
gujaf-88	89	5	below	below	ADP
gujaf-88	89	6	:	:	PUNCT
gujaf-88	89	7	yit	yit	PROPN
gujaf-88	89	8	=	=	SYM
gujaf-88	89	9	βit	βit	NOUN
gujaf-88	90	1	+	+	NOUN
gujaf-88	90	2	b1βsit	b1βsit	NOUN
gujaf-88	90	3	+	+	ADJ
gujaf-88	90	4	b2macroit	b2macroit	NOUN
gujaf-88	90	5	+	+	NOUN
gujaf-88	90	6	ɛ	ɛ	PROPN
gujaf-88	90	7	it	it	PRON
gujaf-88	90	8	…	…	PUNCT
gujaf-88	90	9	…	…	PUNCT
gujaf-88	90	10	…	…	PUNCT
gujaf-88	90	11	…	…	PUNCT
gujaf-88	90	12	…	…	PUNCT
gujaf-88	90	13	…	…	PUNCT
gujaf-88	90	14	…	…	PUNCT
gujaf-88	90	15	…	…	PUNCT
gujaf-88	90	16	…	…	PUNCT
gujaf-88	90	17	…	…	PUNCT
gujaf-88	90	18	…	…	PUNCT
gujaf-88	90	19	…	…	PUNCT
gujaf-88	90	20	…	…	PUNCT
gujaf-88	90	21	…	…	PUNCT
gujaf-88	90	22	…	…	PUNCT
gujaf-88	90	23	…	…	PUNCT
gujaf-88	90	24	…	…	PUNCT
gujaf-88	90	25	…	…	PUNCT
gujaf-88	90	26	…	…	PUNCT
gujaf-88	90	27	…	…	PUNCT
gujaf-88	90	28	…	…	PUNCT
gujaf-88	90	29	…	…	PUNCT
gujaf-88	90	30	…	…	PUNCT
gujaf-88	90	31	…	…	PUNCT
gujaf-88	90	32	…	…	PUNCT
gujaf-88	90	33	…	…	PUNCT
gujaf-88	90	34	…	…	PUNCT
gujaf-88	90	35	…	…	PUNCT
gujaf-88	90	36	…	…	PUNCT
gujaf-88	90	37	..	..	PUNCT
gujaf-88	90	38	i	i	PRON
gujaf-88	90	39	hence	hence	ADV
gujaf-88	90	40	,	,	PUNCT
gujaf-88	90	41	from	from	ADP
gujaf-88	90	42	the	the	DET
gujaf-88	90	43	equation	equation	NOUN
gujaf-88	90	44	above	above	ADV
gujaf-88	90	45	;	;	PUNCT
gujaf-88	90	46	npl	npl	PROPN
gujaf-88	90	47	=	=	PUNCT
gujaf-88	90	48	βit	βit	NOUN
gujaf-88	90	49	+	+	CCONJ
gujaf-88	90	50	β1carit	β1carit	NOUN
gujaf-88	90	51	+	+	CCONJ
gujaf-88	90	52	β2ldrit+	β2ldrit+	X
gujaf-88	90	53	β3copit	β3copit	NOUN
gujaf-88	90	54	+	+	CCONJ
gujaf-88	90	55	β4lrtit	β4lrtit	NOUN
gujaf-88	91	1	+	+	CCONJ
gujaf-88	91	2	ɛ	ɛ	PROPN
gujaf-88	91	3	it	it	PRON
gujaf-88	91	4	…	…	PUNCT
gujaf-88	91	5	....................................	....................................	PUNCT
gujaf-88	92	1	ii	ii	PROPN
gujaf-88	92	2	where	where	SCONJ
gujaf-88	92	3	yit	yit	NOUN
gujaf-88	92	4	=	=	SYM
gujaf-88	92	5	dependent	dependent	ADJ
gujaf-88	92	6	variable	variable	NOUN
gujaf-88	92	7	,	,	PUNCT
gujaf-88	92	8	βit=	βit=	PROPN
gujaf-88	92	9	intercept	intercept	NOUN
gujaf-88	92	10	term	term	NOUN
gujaf-88	92	11	β1β4	β1β4	NOUN
gujaf-88	92	12	=	=	NOUN
gujaf-88	92	13	coefficients	coefficient	NOUN
gujaf-88	92	14	of	of	ADP
gujaf-88	92	15	the	the	DET
gujaf-88	92	16	regression	regression	NOUN
gujaf-88	92	17	,	,	PUNCT
gujaf-88	92	18	bsit	bsit	NOUN
gujaf-88	92	19	=	=	PUNCT
gujaf-88	92	20	banks	bank	NOUN
gujaf-88	92	21	specific	specific	ADJ
gujaf-88	92	22	factors	factor	NOUN
gujaf-88	92	23	;	;	PUNCT
gujaf-88	92	24	b2macroit	b2macroit	NOUN
gujaf-88	92	25	=	=	SYM
gujaf-88	92	26	macroeconomic	macroeconomic	ADJ
gujaf-88	92	27	factors	factor	NOUN
gujaf-88	92	28	and	and	CCONJ
gujaf-88	92	29	ɛ	ɛ	PRON
gujaf-88	92	30	it	it	PRON
gujaf-88	92	31	=	=	NOUN
gujaf-88	92	32	error	error	NOUN
gujaf-88	92	33	term	term	NOUN
gujaf-88	92	34	4	4	NUM
gujaf-88	92	35	.	.	NOUN
gujaf-88	92	36	result	result	NOUN
gujaf-88	92	37	and	and	CCONJ
gujaf-88	92	38	discussion	discussion	NOUN
gujaf-88	92	39	this	this	PRON
gujaf-88	92	40	include	include	VERB
gujaf-88	92	41	the	the	DET
gujaf-88	92	42	summary	summary	NOUN
gujaf-88	92	43	of	of	ADP
gujaf-88	92	44	descriptive	descriptive	ADJ
gujaf-88	92	45	statistics	statistic	NOUN
gujaf-88	92	46	,	,	PUNCT
gujaf-88	92	47	diagnostic	diagnostic	ADJ
gujaf-88	92	48	test	test	NOUN
gujaf-88	92	49	and	and	CCONJ
gujaf-88	92	50	regression	regression	NOUN
gujaf-88	92	51	results	result	NOUN
gujaf-88	92	52	.	.	PUNCT
gujaf-88	93	1	table	table	NOUN
gujaf-88	93	2	2	2	NUM
gujaf-88	93	3	:	:	PUNCT
gujaf-88	93	4	summary	summary	NOUN
gujaf-88	93	5	of	of	ADP
gujaf-88	93	6	descriptive	descriptive	ADJ
gujaf-88	93	7	statistics	statistic	NOUN
gujaf-88	93	8	variable	variable	ADJ
gujaf-88	93	9	mean	mean	PROPN
gujaf-88	93	10	std.dev	std.dev	PROPN
gujaf-88	93	11	.	.	PUNCT
gujaf-88	94	1	min	min	PROPN
gujaf-88	94	2	max	max	PROPN
gujaf-88	94	3	npls	npls	PROPN
gujaf-88	94	4	0.611649	0.611649	NUM
gujaf-88	94	5	0.0442204	0.0442204	NUM
gujaf-88	94	6	0.10273	0.10273	NUM
gujaf-88	94	7	0.259855	0.259855	NUM
gujaf-88	94	8	cop	cop	NOUN
gujaf-88	94	9	1.233077	1.233077	NUM
gujaf-88	94	10	33.13702	33.13702	NUM
gujaf-88	94	11	-50.87	-50.87	SYM
gujaf-88	94	12	63.75	63.75	NUM
gujaf-88	94	13	car	car	NOUN
gujaf-88	94	14	0.2104459	0.2104459	NUM
gujaf-88	94	15	0.0818426	0.0818426	NUM
gujaf-88	94	16	0.049284	0.049284	NUM
gujaf-88	94	17	0.514536	0.514536	NUM
gujaf-88	94	18	lrt	lrt	PROPN
gujaf-88	94	19	16.23077	16.23077	NUM
gujaf-88	94	20	1.805782	1.805782	NUM
gujaf-88	94	21	11.35	11.35	NUM
gujaf-88	94	22	19.55	19.55	NUM
gujaf-88	94	23	ldr	ldr	NOUN
gujaf-88	94	24	69.85385	69.85385	NUM
gujaf-88	94	25	18.30762	18.30762	NUM
gujaf-88	94	26	10.00	10.00	NUM
gujaf-88	94	27	99.20	99.20	NUM
gujaf-88	94	28	source	source	NOUN
gujaf-88	94	29	:	:	PUNCT
gujaf-88	94	30	stata13	stata13	NOUN
gujaf-88	94	31	output	output	NOUN
gujaf-88	94	32	,	,	PUNCT
gujaf-88	94	33	2021	2021	NUM
gujaf-88	94	34	.	.	PUNCT
gujaf-88	95	1	the	the	DET
gujaf-88	95	2	table	table	NOUN
gujaf-88	95	3	2	2	NUM
gujaf-88	95	4	shows	show	VERB
gujaf-88	95	5	the	the	DET
gujaf-88	95	6	level	level	NOUN
gujaf-88	95	7	of	of	ADP
gujaf-88	95	8	deviation	deviation	NOUN
gujaf-88	95	9	of	of	ADP
gujaf-88	95	10	the	the	DET
gujaf-88	95	11	variables	variable	NOUN
gujaf-88	95	12	under	under	ADP
gujaf-88	95	13	study	study	NOUN
gujaf-88	95	14	among	among	ADP
gujaf-88	95	15	the	the	DET
gujaf-88	95	16	commercial	commercial	ADJ
gujaf-88	95	17	banks	bank	NOUN
gujaf-88	95	18	.	.	PUNCT
gujaf-88	96	1	comparing	compare	VERB
gujaf-88	96	2	the	the	DET
gujaf-88	96	3	mean	mean	ADJ
gujaf-88	96	4	value	value	NOUN
gujaf-88	96	5	of	of	ADP
gujaf-88	96	6	1.233	1.233	NUM
gujaf-88	96	7	%	%	NOUN
gujaf-88	96	8	,	,	PUNCT
gujaf-88	96	9	16.231	16.231	NUM
gujaf-88	96	10	%	%	NOUN
gujaf-88	96	11	and	and	CCONJ
gujaf-88	96	12	69.854	69.854	NUM
gujaf-88	96	13	%	%	NOUN
gujaf-88	96	14	for	for	ADP
gujaf-88	96	15	the	the	DET
gujaf-88	96	16	variable	variable	NOUN
gujaf-88	96	17	of	of	ADP
gujaf-88	96	18	crude	crude	ADJ
gujaf-88	96	19	oil	oil	NOUN
gujaf-88	96	20	price	price	NOUN
gujaf-88	96	21	growth	growth	NOUN
gujaf-88	96	22	rate	rate	NOUN
gujaf-88	96	23	(	(	PUNCT
gujaf-88	96	24	cop	cop	NOUN
gujaf-88	96	25	)	)	PUNCT
gujaf-88	96	26	,	,	PUNCT
gujaf-88	96	27	lending	lending	NOUN
gujaf-88	96	28	rate	rate	NOUN
gujaf-88	96	29	(	(	PUNCT
gujaf-88	96	30	lrt	lrt	PROPN
gujaf-88	96	31	)	)	PUNCT
gujaf-88	96	32	and	and	CCONJ
gujaf-88	96	33	loan	loan	NOUN
gujaf-88	96	34	-	-	PUNCT
gujaf-88	96	35	deposit	deposit	NOUN
gujaf-88	96	36	ratio	ratio	NOUN
gujaf-88	96	37	(	(	PUNCT
gujaf-88	96	38	ldr	ldr	PROPN
gujaf-88	96	39	)	)	PUNCT
gujaf-88	96	40	against	against	ADP
gujaf-88	96	41	their	their	PRON
gujaf-88	96	42	standard	standard	ADJ
gujaf-88	96	43	deviation	deviation	NOUN
gujaf-88	96	44	of	of	ADP
gujaf-88	96	45	33.137	33.137	NUM
gujaf-88	96	46	%	%	NOUN
gujaf-88	96	47	for	for	ADP
gujaf-88	96	48	cop	cop	NOUN
gujaf-88	96	49	,	,	PUNCT
gujaf-88	96	50	1.806	1.806	NUM
gujaf-88	96	51	%	%	NOUN
gujaf-88	96	52	for	for	ADP
gujaf-88	96	53	lrt	lrt	PROPN
gujaf-88	96	54	and	and	CCONJ
gujaf-88	96	55	18.308	18.308	NUM
gujaf-88	96	56	%	%	NOUN
gujaf-88	96	57	for	for	ADP
gujaf-88	96	58	ldr	ldr	PROPN
gujaf-88	96	59	;	;	PUNCT
gujaf-88	96	60	it	it	PRON
gujaf-88	96	61	shows	show	VERB
gujaf-88	96	62	that	that	SCONJ
gujaf-88	96	63	there	there	PRON
gujaf-88	96	64	is	be	VERB
gujaf-88	96	65	a	a	DET
gujaf-88	96	66	great	great	ADJ
gujaf-88	96	67	variation	variation	NOUN
gujaf-88	96	68	in	in	ADP
gujaf-88	96	69	term	term	NOUN
gujaf-88	96	70	of	of	ADP
gujaf-88	96	71	magnitude	magnitude	NOUN
gujaf-88	96	72	among	among	ADP
gujaf-88	96	73	the	the	DET
gujaf-88	96	74	commercial	commercial	ADJ
gujaf-88	96	75	banks	bank	NOUN
gujaf-88	96	76	in	in	ADP
gujaf-88	96	77	the	the	DET
gujaf-88	96	78	period	period	NOUN
gujaf-88	96	79	under	under	ADP
gujaf-88	96	80	study	study	NOUN
gujaf-88	96	81	.	.	PUNCT
gujaf-88	97	1	similarly	similarly	ADV
gujaf-88	97	2	,	,	PUNCT
gujaf-88	97	3	the	the	DET
gujaf-88	97	4	variable	variable	NOUN
gujaf-88	97	5	of	of	ADP
gujaf-88	97	6	nonperforming	nonperforme	VERB
gujaf-88	97	7	loan	loan	NOUN
gujaf-88	97	8	(	(	PUNCT
gujaf-88	97	9	npl	npl	NOUN
gujaf-88	97	10	)	)	PUNCT
gujaf-88	97	11	and	and	CCONJ
gujaf-88	97	12	capital	capital	NOUN
gujaf-88	97	13	adequacy	adequacy	NOUN
gujaf-88	97	14	ratio	ratio	NOUN
gujaf-88	97	15	(	(	PUNCT
gujaf-88	97	16	car	car	NOUN
gujaf-88	97	17	)	)	PUNCT
gujaf-88	97	18	shows	show	VERB
gujaf-88	97	19	moderate	moderate	ADJ
gujaf-88	97	20	variation	variation	NOUN
gujaf-88	97	21	among	among	ADP
gujaf-88	97	22	the	the	DET
gujaf-88	97	23	banks	bank	NOUN
gujaf-88	97	24	.	.	PUNCT
gujaf-88	98	1	the	the	DET
gujaf-88	98	2	fluctuation	fluctuation	NOUN
gujaf-88	98	3	in	in	ADP
gujaf-88	98	4	cop	cop	PROPN
gujaf-88	98	5	,	,	PUNCT
gujaf-88	98	6	lrt	lrt	PROPN
gujaf-88	98	7	and	and	CCONJ
gujaf-88	98	8	ldr	ldr	PROPN
gujaf-88	98	9	was	be	AUX
gujaf-88	98	10	noticeable	noticeable	ADJ
gujaf-88	98	11	given	give	VERB
gujaf-88	98	12	their	their	PRON
gujaf-88	98	13	minimum	minimum	ADJ
gujaf-88	98	14	and	and	CCONJ
gujaf-88	98	15	maximum	maximum	ADJ
gujaf-88	98	16	value	value	NOUN
gujaf-88	98	17	of	of	ADP
gujaf-88	98	18	-50.87	-50.87	ADV
gujaf-88	98	19	%	%	NOUN
gujaf-88	98	20	and	and	CCONJ
gujaf-88	98	21	63.73	63.73	NUM
gujaf-88	98	22	%	%	NOUN
gujaf-88	98	23	for	for	ADP
gujaf-88	98	24	cop	cop	NOUN
gujaf-88	98	25	,	,	PUNCT
gujaf-88	98	26	11.35	11.35	NUM
gujaf-88	98	27	%	%	NOUN
gujaf-88	98	28	and	and	CCONJ
gujaf-88	98	29	19.55	19.55	NUM
gujaf-88	98	30	%	%	NOUN
gujaf-88	98	31	for	for	ADP
gujaf-88	98	32	lrt	lrt	PROPN
gujaf-88	98	33	as	as	ADV
gujaf-88	98	34	well	well	ADV
gujaf-88	98	35	as	as	ADP
gujaf-88	98	36	10	10	NUM
gujaf-88	98	37	%	%	NOUN
gujaf-88	98	38	and	and	CCONJ
gujaf-88	98	39	99.2	99.2	NUM
gujaf-88	98	40	%	%	NOUN
gujaf-88	98	41	for	for	ADP
gujaf-88	98	42	ldr	ldr	NOUN
gujaf-88	98	43	respectively	respectively	ADV
gujaf-88	98	44	.	.	PUNCT
gujaf-88	99	1	diagnostic	diagnostic	ADJ
gujaf-88	99	2	test	test	NOUN
gujaf-88	99	3	this	this	PRON
gujaf-88	99	4	includes	include	VERB
gujaf-88	99	5	:	:	PUNCT
gujaf-88	99	6	multicollinearity	multicollinearity	NOUN
gujaf-88	99	7	test	test	NOUN
gujaf-88	99	8	,	,	PUNCT
gujaf-88	99	9	normality	normality	NOUN
gujaf-88	99	10	test	test	NOUN
gujaf-88	99	11	,	,	PUNCT
gujaf-88	99	12	heteroskedasticity	heteroskedasticity	NOUN
gujaf-88	99	13	test	test	NOUN
gujaf-88	99	14	,	,	PUNCT
gujaf-88	99	15	hausaman	hausaman	NOUN
gujaf-88	99	16	test	test	NOUN
gujaf-88	99	17	,	,	PUNCT
gujaf-88	99	18	breusch	breusch	NOUN
gujaf-88	99	19	and	and	CCONJ
gujaf-88	99	20	pagan	pagan	VERB
gujaf-88	99	21	langriangian	langriangian	ADJ
gujaf-88	99	22	test	test	NOUN
gujaf-88	99	23	for	for	ADP
gujaf-88	99	24	random	random	ADJ
gujaf-88	99	25	effect	effect	NOUN
gujaf-88	99	26	and	and	CCONJ
gujaf-88	99	27	woodridge	woodridge	PROPN
gujaf-88	99	28	test	test	NOUN
gujaf-88	99	29	for	for	ADP
gujaf-88	99	30	autocorrelation	autocorrelation	NOUN
gujaf-88	99	31	.	.	PUNCT
gujaf-88	100	1	7	7	NUM
gujaf-88	100	2	table3	table3	NOUN
gujaf-88	100	3	:	:	PUNCT
gujaf-88	101	1	summary	summary	NOUN
gujaf-88	101	2	of	of	ADP
gujaf-88	101	3	diagnostic	diagnostic	ADJ
gujaf-88	101	4	test	test	NOUN
gujaf-88	101	5	test	test	NOUN
gujaf-88	101	6	purpose	purpose	NOUN
gujaf-88	101	7	decision	decision	NOUN
gujaf-88	101	8	rule	rule	NOUN
gujaf-88	101	9	result	result	NOUN
gujaf-88	101	10	decision	decision	NOUN
gujaf-88	101	11	source	source	NOUN
gujaf-88	101	12	vif(variance	vif(variance	NOUN
gujaf-88	101	13	inflation	inflation	NOUN
gujaf-88	101	14	factor	factor	NOUN
gujaf-88	101	15	)	)	PUNCT
gujaf-88	101	16	to	to	PART
gujaf-88	101	17	check	check	VERB
gujaf-88	101	18	for	for	ADP
gujaf-88	101	19	multicollinearity	multicollinearity	NOUN
gujaf-88	101	20	among	among	ADP
gujaf-88	101	21	the	the	DET
gujaf-88	101	22	variables	variable	NOUN
gujaf-88	101	23	vif	vif	NOUN
gujaf-88	101	24	less	less	ADJ
gujaf-88	101	25	than	than	ADP
gujaf-88	101	26	5	5	NUM
gujaf-88	101	27	and	and	CCONJ
gujaf-88	101	28	more	more	ADJ
gujaf-88	101	29	than	than	ADP
gujaf-88	101	30	.10	.10	NUM
gujaf-88	101	31	shows	show	NOUN
gujaf-88	101	32	absence	absence	NOUN
gujaf-88	101	33	of	of	ADP
gujaf-88	101	34	multicollinearity	multicollinearity	NOUN
gujaf-88	101	35	vif	vif	NOUN
gujaf-88	101	36	1.34	1.34	NUM
gujaf-88	101	37	no	no	DET
gujaf-88	101	38	multicollinearity	multicollinearity	NOUN
gujaf-88	101	39	kothari	kothari	PROPN
gujaf-88	101	40	&	&	CCONJ
gujaf-88	101	41	garg	garg	PROPN
gujaf-88	101	42	(	(	PUNCT
gujaf-88	101	43	2014	2014	NUM
gujaf-88	101	44	)	)	PUNCT
gujaf-88	101	45	shapiro	shapiro	NOUN
gujaf-88	101	46	-	-	PUNCT
gujaf-88	101	47	wilk	wilk	NOUN
gujaf-88	101	48	to	to	PART
gujaf-88	101	49	test	test	VERB
gujaf-88	101	50	for	for	ADP
gujaf-88	101	51	normality	normality	NOUN
gujaf-88	101	52	*	*	PUNCT
gujaf-88	101	53	p<.05	p<.05	NOUN
gujaf-88	101	54	is	be	AUX
gujaf-88	101	55	interpreted	interpret	VERB
gujaf-88	101	56	as	as	ADP
gujaf-88	101	57	significant	significant	ADJ
gujaf-88	101	58	p	p	NOUN
gujaf-88	101	59	-	-	PUNCT
gujaf-88	101	60	value	value	NOUN
gujaf-88	101	61	.68912	.68912	NOUN
gujaf-88	101	62	not	not	PART
gujaf-88	101	63	-	-	PUNCT
gujaf-88	101	64	significant	significant	ADJ
gujaf-88	101	65	and	and	CCONJ
gujaf-88	101	66	shows	show	VERB
gujaf-88	101	67	normality	normality	NOUN
gujaf-88	101	68	.	.	PUNCT
gujaf-88	102	1	gujarati	gujarati	PROPN
gujaf-88	102	2	and	and	CCONJ
gujaf-88	102	3	portal	portal	PROPN
gujaf-88	102	4	(	(	PUNCT
gujaf-88	102	5	2009	2009	NUM
gujaf-88	102	6	)	)	PUNCT
gujaf-88	102	7	breuschpagan/	breuschpagan/	PROPN
gujaf-88	102	8	cookweisberg	cookweisberg	PROPN
gujaf-88	102	9	test	test	NOUN
gujaf-88	102	10	to	to	PART
gujaf-88	102	11	check	check	VERB
gujaf-88	102	12	for	for	ADP
gujaf-88	102	13	homoskedasticity	homoskedasticity	NOUN
gujaf-88	102	14	if	if	SCONJ
gujaf-88	102	15	*	*	PROPN
gujaf-88	102	16	p	p	X
gujaf-88	102	17	<	<	X
gujaf-88	102	18	.05	.05	NUM
gujaf-88	102	19	;	;	PUNCT
gujaf-88	102	20	shows	show	VERB
gujaf-88	102	21	the	the	DET
gujaf-88	102	22	presence	presence	NOUN
gujaf-88	102	23	of	of	ADP
gujaf-88	102	24	homoskedasticity	homoskedasticity	NOUN
gujaf-88	102	25	p	p	NOUN
gujaf-88	102	26	-	-	PUNCT
gujaf-88	102	27	value	value	NOUN
gujaf-88	102	28	0.2162	0.2162	NUM
gujaf-88	102	29	insignificant	insignificant	ADJ
gujaf-88	102	30	,	,	PUNCT
gujaf-88	102	31	and	and	CCONJ
gujaf-88	102	32	presence	presence	NOUN
gujaf-88	102	33	of	of	ADP
gujaf-88	102	34	heteroskedasticity	heteroskedasticity	NOUN
gujaf-88	102	35	gujarati	gujarati	PROPN
gujaf-88	102	36	and	and	CCONJ
gujaf-88	102	37	portal	portal	PROPN
gujaf-88	102	38	(	(	PUNCT
gujaf-88	102	39	2009	2009	NUM
gujaf-88	102	40	)	)	PUNCT
gujaf-88	102	41	hausman	hausman	PROPN
gujaf-88	102	42	specification	specification	NOUN
gujaf-88	102	43	test	test	NOUN
gujaf-88	102	44	/	/	PUNCT
gujaf-88	102	45	sigmamore	sigmamore	NOUN
gujaf-88	102	46	to	to	PART
gujaf-88	102	47	choose	choose	VERB
gujaf-88	102	48	the	the	DET
gujaf-88	102	49	prefer	prefer	NOUN
gujaf-88	102	50	model	model	NOUN
gujaf-88	102	51	between	between	ADP
gujaf-88	102	52	fe	fe	NOUN
gujaf-88	102	53	and	and	CCONJ
gujaf-88	102	54	re	re	AUX
gujaf-88	102	55	regression	regression	VERB
gujaf-88	102	56	if	if	SCONJ
gujaf-88	102	57	*	*	NOUN
gujaf-88	102	58	p<.05	p<.05	NOUN
gujaf-88	102	59	,	,	PUNCT
gujaf-88	102	60	pick	pick	VERB
gujaf-88	102	61	fe	fe	NOUN
gujaf-88	102	62	,	,	PUNCT
gujaf-88	102	63	if	if	SCONJ
gujaf-88	102	64	*	*	NOUN
gujaf-88	102	65	p>.05	p>.05	ADV
gujaf-88	102	66	,	,	PUNCT
gujaf-88	102	67	pick	pick	VERB
gujaf-88	102	68	re	re	NOUN
gujaf-88	102	69	reg	reg	NOUN
gujaf-88	102	70	.	.	PUNCT
gujaf-88	103	1	p	p	X
gujaf-88	103	2	-	-	PUNCT
gujaf-88	103	3	value	value	NOUN
gujaf-88	103	4	0.8794	0.8794	NUM
gujaf-88	103	5	the	the	DET
gujaf-88	103	6	random	random	ADJ
gujaf-88	103	7	effect	effect	NOUN
gujaf-88	103	8	(	(	PUNCT
gujaf-88	103	9	re	re	NOUN
gujaf-88	103	10	)	)	PUNCT
gujaf-88	103	11	is	be	AUX
gujaf-88	103	12	selected	select	VERB
gujaf-88	103	13	green	green	ADJ
gujaf-88	103	14	(	(	PUNCT
gujaf-88	103	15	2009	2009	NUM
gujaf-88	103	16	)	)	PUNCT
gujaf-88	103	17	breusch	breusch	PROPN
gujaf-88	103	18	&	&	CCONJ
gujaf-88	103	19	pagan	pagan	VERB
gujaf-88	103	20	langrangian	langrangian	PROPN
gujaf-88	103	21	test	test	NOUN
gujaf-88	103	22	to	to	PART
gujaf-88	103	23	choose	choose	VERB
gujaf-88	103	24	between	between	ADP
gujaf-88	103	25	re	re	ADP
gujaf-88	103	26	or	or	CCONJ
gujaf-88	103	27	pooled	pool	VERB
gujaf-88	103	28	reg	reg	NOUN
gujaf-88	103	29	.	.	PUNCT
gujaf-88	104	1	model	model	NOUN
gujaf-88	104	2	if	if	SCONJ
gujaf-88	104	3	*	*	PROPN
gujaf-88	104	4	p	p	X
gujaf-88	104	5	<	<	X
gujaf-88	104	6	.05	.05	NUM
gujaf-88	104	7	,	,	PUNCT
gujaf-88	104	8	pick	pick	VERB
gujaf-88	104	9	re	re	VERB
gujaf-88	104	10	otherwise	otherwise	ADV
gujaf-88	104	11	,	,	PUNCT
gujaf-88	104	12	pick	pick	VERB
gujaf-88	104	13	pooled	pool	VERB
gujaf-88	104	14	.	.	PUNCT
gujaf-88	105	1	p	p	X
gujaf-88	105	2	-	-	PUNCT
gujaf-88	105	3	value	value	NOUN
gujaf-88	105	4	0.00	0.00	NUM
gujaf-88	105	5	*	*	NOUN
gujaf-88	105	6	*	*	PUNCT
gujaf-88	105	7	the	the	DET
gujaf-88	105	8	re	re	X
gujaf-88	105	9	model	model	NOUN
gujaf-88	105	10	is	be	AUX
gujaf-88	105	11	picked	pick	VERB
gujaf-88	105	12	for	for	ADP
gujaf-88	105	13	the	the	DET
gujaf-88	105	14	study	study	NOUN
gujaf-88	105	15	levin	levin	PROPN
gujaf-88	105	16	,	,	PUNCT
gujaf-88	105	17	lin	lin	PROPN
gujaf-88	105	18	and	and	CCONJ
gujaf-88	105	19	chu	chu	PROPN
gujaf-88	105	20	(	(	PUNCT
gujaf-88	105	21	2002	2002	NUM
gujaf-88	105	22	)	)	PUNCT
gujaf-88	105	23	woodridge	woodridge	PROPN
gujaf-88	105	24	test	test	NOUN
gujaf-88	105	25	test	test	NOUN
gujaf-88	105	26	for	for	ADP
gujaf-88	105	27	first	first	ADJ
gujaf-88	105	28	order	order	NOUN
gujaf-88	105	29	autocorrelation	autocorrelation	NOUN
gujaf-88	105	30	if	if	SCONJ
gujaf-88	105	31	*	*	PROPN
gujaf-88	105	32	p	p	X
gujaf-88	105	33	<	<	X
gujaf-88	105	34	.05	.05	NUM
gujaf-88	105	35	shows	show	NOUN
gujaf-88	105	36	significance	significance	NOUN
gujaf-88	105	37	p	p	NOUN
gujaf-88	105	38	-	-	PUNCT
gujaf-88	105	39	value	value	NOUN
gujaf-88	105	40	0.6848	0.6848	NUM
gujaf-88	105	41	not	not	PART
gujaf-88	105	42	-	-	PUNCT
gujaf-88	105	43	significant	significant	ADJ
gujaf-88	105	44	.	.	PUNCT
gujaf-88	106	1	i.e	i.e	PRON
gujaf-88	106	2	,	,	PUNCT
gujaf-88	106	3	no	no	DET
gujaf-88	106	4	serial	serial	ADJ
gujaf-88	106	5	autocorrelation	autocorrelation	NOUN
gujaf-88	106	6	kothari	kothari	PROPN
gujaf-88	106	7	&	&	CCONJ
gujaf-88	106	8	garg	garg	PROPN
gujaf-88	106	9	(	(	PUNCT
gujaf-88	106	10	2014	2014	NUM
gujaf-88	106	11	)	)	PUNCT
gujaf-88	106	12	source	source	NOUN
gujaf-88	106	13	:	:	PUNCT
gujaf-88	106	14	stata13	stata13	NOUN
gujaf-88	106	15	output	output	NOUN
gujaf-88	106	16	,	,	PUNCT
gujaf-88	106	17	2021	2021	NUM
gujaf-88	106	18	the	the	DET
gujaf-88	106	19	results	result	NOUN
gujaf-88	106	20	of	of	ADP
gujaf-88	106	21	the	the	DET
gujaf-88	106	22	pooled	pooled	ADJ
gujaf-88	106	23	,	,	PUNCT
gujaf-88	106	24	fixed	fixed	ADJ
gujaf-88	106	25	and	and	CCONJ
gujaf-88	106	26	random	random	ADJ
gujaf-88	106	27	effect	effect	NOUN
gujaf-88	106	28	model	model	NOUN
gujaf-88	106	29	are	be	AUX
gujaf-88	106	30	presented	present	VERB
gujaf-88	106	31	in	in	ADP
gujaf-88	106	32	the	the	DET
gujaf-88	106	33	table	table	NOUN
gujaf-88	106	34	below	below	ADP
gujaf-88	106	35	table	table	NOUN
gujaf-88	106	36	4	4	NUM
gujaf-88	106	37	:	:	PUNCT
gujaf-88	106	38	summary	summary	NOUN
gujaf-88	106	39	of	of	ADP
gujaf-88	106	40	regression	regression	NOUN
gujaf-88	106	41	results	result	NOUN
gujaf-88	106	42	(	(	PUNCT
gujaf-88	106	43	pooled	pool	VERB
gujaf-88	106	44	,	,	PUNCT
gujaf-88	106	45	fem	fem	NOUN
gujaf-88	106	46	and	and	CCONJ
gujaf-88	106	47	rem	rem	NOUN
gujaf-88	106	48	)	)	PUNCT
gujaf-88	106	49	variables	variable	NOUN
gujaf-88	106	50	coefficient	coefficient	VERB
gujaf-88	106	51	p	p	ADJ
gujaf-88	106	52	-	-	PUNCT
gujaf-88	106	53	value	value	NOUN
gujaf-88	106	54	coefficient	coefficient	NOUN
gujaf-88	106	55	p	p	NOUN
gujaf-88	106	56	-	-	PUNCT
gujaf-88	106	57	value	value	NOUN
gujaf-88	106	58	coefficient	coefficient	NOUN
gujaf-88	106	59	p	p	NOUN
gujaf-88	106	60	-	-	PUNCT
gujaf-88	106	61	value	value	NOUN
gujaf-88	106	62	constant	constant	ADJ
gujaf-88	106	63	0.17	0.17	NUM
gujaf-88	106	64	0.00	0.00	NUM
gujaf-88	106	65	*	*	PUNCT
gujaf-88	106	66	*	*	PUNCT
gujaf-88	106	67	0.16	0.16	NUM
gujaf-88	106	68	0.00	0.00	NUM
gujaf-88	106	69	*	*	PUNCT
gujaf-88	106	70	*	*	PUNCT
gujaf-88	107	1	0.16	0.16	NUM
gujaf-88	107	2	0.00	0.00	NUM
gujaf-88	107	3	*	*	PUNCT
gujaf-88	107	4	*	*	PUNCT
gujaf-88	107	5	car	car	NOUN
gujaf-88	107	6	-0.05	-0.05	NOUN
gujaf-88	107	7	0.26	0.26	NUM
gujaf-88	107	8	-0.03	-0.03	NUM
gujaf-88	107	9	0.49	0.49	NUM
gujaf-88	107	10	-0.40	-0.40	NOUN
gujaf-88	107	11	*	*	PUNCT
gujaf-88	107	12	*	*	NOUN
gujaf-88	107	13	0.39	0.39	NUM
gujaf-88	107	14	*	*	PUNCT
gujaf-88	107	15	*	*	PUNCT
gujaf-88	107	16	ldr	ldr	PROPN
gujaf-88	107	17	0.00	0.00	NUM
gujaf-88	107	18	*	*	PUNCT
gujaf-88	107	19	*	*	PUNCT
gujaf-88	107	20	0.68	0.68	NUM
gujaf-88	107	21	2.22	2.22	NUM
gujaf-88	107	22	0.99	0.99	NUM
gujaf-88	107	23	0.00	0.00	NUM
gujaf-88	107	24	*	*	PUNCT
gujaf-88	107	25	*	*	PUNCT
gujaf-88	107	26	0.89	0.89	NUM
gujaf-88	107	27	cop	cop	NOUN
gujaf-88	107	28	0.00	0.00	NUM
gujaf-88	107	29	*	*	NOUN
gujaf-88	107	30	*	*	PUNCT
gujaf-88	107	31	0.03	0.03	NUM
gujaf-88	107	32	0.00	0.00	NUM
gujaf-88	107	33	*	*	PUNCT
gujaf-88	107	34	*	*	PUNCT
gujaf-88	107	35	0.02	0.02	NUM
gujaf-88	107	36	0.00	0.00	NUM
gujaf-88	107	37	*	*	NOUN
gujaf-88	107	38	*	*	PUNCT
gujaf-88	107	39	0.02	0.02	NUM
gujaf-88	107	40	lrt	lrt	PROPN
gujaf-88	107	41	-0.00	-0.00	PRON
gujaf-88	107	42	*	*	PROPN
gujaf-88	107	43	*	*	PROPN
gujaf-88	107	44	0.03	0.03	NUM
gujaf-88	107	45	-0.01	-0.01	NUM
gujaf-88	107	46	0.01	0.01	NUM
gujaf-88	107	47	-0.06	-0.06	NUM
gujaf-88	107	48	0.01	0.01	NUM
gujaf-88	107	49	source	source	NOUN
gujaf-88	107	50	:	:	PUNCT
gujaf-88	107	51	stata13	stata13	NOUN
gujaf-88	107	52	output	output	NOUN
gujaf-88	107	53	,	,	PUNCT
gujaf-88	107	54	2021	2021	NUM
gujaf-88	107	55	.	.	PUNCT
gujaf-88	107	56	table	table	NOUN
gujaf-88	107	57	5	5	NUM
gujaf-88	107	58	:	:	PUNCT
gujaf-88	107	59	result	result	NOUN
gujaf-88	107	60	of	of	ADP
gujaf-88	107	61	hypotheses	hypothesis	NOUN
gujaf-88	107	62	testing	testing	NOUN
gujaf-88	107	63	relationship	relationship	NOUN
gujaf-88	107	64	expected	expect	VERB
gujaf-88	107	65	sign	sign	VERB
gujaf-88	108	1	actual	actual	ADJ
gujaf-88	108	2	sign	sign	NOUN
gujaf-88	108	3	significant	significant	ADJ
gujaf-88	108	4	or	or	CCONJ
gujaf-88	108	5	not	not	PART
gujaf-88	108	6	sig	sig	NOUN
gujaf-88	108	7	.	.	PROPN
gujaf-88	108	8	remark	remark	PROPN
gujaf-88	108	9	(	(	PUNCT
gujaf-88	108	10	h0	h0	NOUN
gujaf-88	108	11	)	)	PUNCT
gujaf-88	108	12	car	car	NOUN
gujaf-88	108	13	>	>	X
gujaf-88	108	14	npl	npl	PROPN
gujaf-88	108	15	negative	negative	ADJ
gujaf-88	108	16	negative	negative	ADJ
gujaf-88	108	17	not	not	PART
gujaf-88	108	18	significant	significant	ADJ
gujaf-88	108	19	fail	fail	NOUN
gujaf-88	108	20	to	to	PART
gujaf-88	108	21	reject	reject	VERB
gujaf-88	108	22	ldr	ldr	PROPN
gujaf-88	108	23	>	>	X
gujaf-88	108	24	npl	npl	PROPN
gujaf-88	108	25	positive	positive	ADJ
gujaf-88	108	26	positive	positive	ADJ
gujaf-88	108	27	not	not	PART
gujaf-88	108	28	significant	significant	ADJ
gujaf-88	108	29	failed	fail	VERB
gujaf-88	108	30	to	to	PART
gujaf-88	108	31	reject	reject	VERB
gujaf-88	108	32	model	model	NOUN
gujaf-88	108	33	pooled	pool	VERB
gujaf-88	108	34	ols	ol	NOUN
gujaf-88	108	35	fixed	fix	VERB
gujaf-88	108	36	effect	effect	NOUN
gujaf-88	108	37	model	model	VERB
gujaf-88	108	38	random	random	ADJ
gujaf-88	108	39	effect	effect	NOUN
gujaf-88	108	40	r	r	NOUN
gujaf-88	108	41	-	-	NOUN
gujaf-88	108	42	square	square	ADJ
gujaf-88	108	43	0.0600	0.0600	NUM
gujaf-88	108	44	adj	adj	NOUN
gujaf-88	108	45	r	r	NOUN
gujaf-88	108	46	-	-	PUNCT
gujaf-88	108	47	square	square	ADJ
gujaf-88	108	48	0.0351	0.0351	NOUN
gujaf-88	109	1	f	f	X
gujaf-88	109	2	-	-	PUNCT
gujaf-88	109	3	stat	stat	PROPN
gujaf-88	109	4	2.41	2.41	NUM
gujaf-88	109	5	prob	prob	NOUN
gujaf-88	109	6	>	>	PROPN
gujaf-88	109	7	f	f	PROPN
gujaf-88	110	1	0.0519	0.0519	NUM
gujaf-88	110	2	0.0678	0.0678	NUM
gujaf-88	110	3	0.0582	0.0582	NUM
gujaf-88	110	4	2.54	2.54	NUM
gujaf-88	110	5	0.0423	0.0423	NUM
gujaf-88	110	6	0.067	0.067	NUM
gujaf-88	110	7	0.0592	0.0592	NUM
gujaf-88	110	8	wald	wald	NOUN
gujaf-88	110	9	chi2	chi2	PROPN
gujaf-88	110	10	10.52	10.52	NUM
gujaf-88	110	11	prob	prob	NOUN
gujaf-88	110	12	>	>	X
gujaf-88	110	13	chi2	chi2	PROPN
gujaf-88	110	14	0.032	0.032	NUM
gujaf-88	110	15	8	8	NUM
gujaf-88	110	16	cop	cop	NOUN
gujaf-88	110	17	>	>	X
gujaf-88	110	18	npl	npl	PROPN
gujaf-88	110	19	positive	positive	ADJ
gujaf-88	110	20	positive	positive	ADJ
gujaf-88	110	21	significant	significant	ADJ
gujaf-88	110	22	reject	reject	NOUN
gujaf-88	110	23	lrt	lrt	PROPN
gujaf-88	110	24	>	>	PROPN
gujaf-88	110	25	npl	npl	PROPN
gujaf-88	110	26	positive	positive	ADJ
gujaf-88	110	27	negative	negative	ADJ
gujaf-88	110	28	significant	significant	ADJ
gujaf-88	110	29	reject	reject	NOUN
gujaf-88	110	30	source	source	NOUN
gujaf-88	110	31	:	:	PUNCT
gujaf-88	110	32	author	author	NOUN
gujaf-88	110	33	’s	’s	PART
gujaf-88	110	34	computation	computation	NOUN
gujaf-88	110	35	,	,	PUNCT
gujaf-88	110	36	2021	2021	NUM
gujaf-88	110	37	.	.	PUNCT
gujaf-88	111	1	the	the	DET
gujaf-88	111	2	regression	regression	NOUN
gujaf-88	111	3	result	result	NOUN
gujaf-88	111	4	displayed	display	VERB
gujaf-88	111	5	in	in	ADP
gujaf-88	111	6	table	table	NOUN
gujaf-88	111	7	4	4	NUM
gujaf-88	111	8	and	and	CCONJ
gujaf-88	111	9	5	5	NUM
gujaf-88	111	10	shows	show	VERB
gujaf-88	111	11	that	that	SCONJ
gujaf-88	111	12	capital	capital	NOUN
gujaf-88	111	13	adequacy	adequacy	NOUN
gujaf-88	111	14	ratio	ratio	NOUN
gujaf-88	111	15	(	(	PUNCT
gujaf-88	111	16	car	car	NOUN
gujaf-88	111	17	)	)	PUNCT
gujaf-88	111	18	has	have	VERB
gujaf-88	111	19	a	a	DET
gujaf-88	111	20	negative	negative	ADJ
gujaf-88	111	21	relationship	relationship	NOUN
gujaf-88	111	22	with	with	ADP
gujaf-88	111	23	nonperforming	nonperforme	VERB
gujaf-88	111	24	loan	loan	NOUN
gujaf-88	111	25	.	.	PUNCT
gujaf-88	112	1	by	by	ADP
gujaf-88	112	2	,	,	PUNCT
gujaf-88	112	3	inference	inference	NOUN
gujaf-88	112	4	,	,	PUNCT
gujaf-88	112	5	it	it	PRON
gujaf-88	112	6	can	can	AUX
gujaf-88	112	7	be	be	AUX
gujaf-88	112	8	deduced	deduce	VERB
gujaf-88	112	9	that	that	SCONJ
gujaf-88	112	10	any	any	DET
gujaf-88	112	11	unit	unit	NOUN
gujaf-88	112	12	increase	increase	NOUN
gujaf-88	112	13	in	in	ADP
gujaf-88	112	14	car	car	NOUN
gujaf-88	112	15	will	will	AUX
gujaf-88	112	16	lead	lead	VERB
gujaf-88	112	17	to	to	ADP
gujaf-88	112	18	a	a	DET
gujaf-88	112	19	corresponding	corresponding	ADJ
gujaf-88	112	20	0.4	0.4	NUM
gujaf-88	112	21	%	%	NOUN
gujaf-88	112	22	decrease	decrease	NOUN
gujaf-88	112	23	in	in	ADP
gujaf-88	112	24	nonperforming	nonperforme	VERB
gujaf-88	112	25	among	among	ADP
gujaf-88	112	26	the	the	DET
gujaf-88	112	27	commercial	commercial	ADJ
gujaf-88	112	28	banks	bank	NOUN
gujaf-88	112	29	.	.	PUNCT
gujaf-88	113	1	the	the	DET
gujaf-88	113	2	probability	probability	NOUN
gujaf-88	113	3	value	value	NOUN
gujaf-88	113	4	which	which	PRON
gujaf-88	113	5	is	be	AUX
gujaf-88	113	6	also	also	ADV
gujaf-88	113	7	higher	high	ADJ
gujaf-88	113	8	than	than	ADP
gujaf-88	113	9	the	the	DET
gujaf-88	113	10	alpha	alpha	NOUN
gujaf-88	113	11	value	value	NOUN
gujaf-88	113	12	0.05	0.05	NUM
gujaf-88	113	13	shows	show	VERB
gujaf-88	113	14	that	that	SCONJ
gujaf-88	113	15	it	it	PRON
gujaf-88	113	16	is	be	AUX
gujaf-88	113	17	statistically	statistically	ADV
gujaf-88	113	18	insignificant	insignificant	ADJ
gujaf-88	113	19	.	.	PUNCT
gujaf-88	114	1	hence	hence	ADV
gujaf-88	114	2	,	,	PUNCT
gujaf-88	114	3	the	the	DET
gujaf-88	114	4	study	study	NOUN
gujaf-88	114	5	failed	fail	VERB
gujaf-88	114	6	to	to	PART
gujaf-88	114	7	reject	reject	VERB
gujaf-88	114	8	the	the	DET
gujaf-88	114	9	null	null	ADJ
gujaf-88	114	10	hypothesis	hypothesis	NOUN
gujaf-88	114	11	that	that	PRON
gujaf-88	114	12	says	say	VERB
gujaf-88	114	13	capital	capital	NOUN
gujaf-88	114	14	adequacy	adequacy	NOUN
gujaf-88	114	15	does	do	AUX
gujaf-88	114	16	not	not	PART
gujaf-88	114	17	have	have	VERB
gujaf-88	114	18	any	any	DET
gujaf-88	114	19	significant	significant	ADJ
gujaf-88	114	20	impact	impact	NOUN
gujaf-88	114	21	on	on	ADP
gujaf-88	114	22	nonperforming	nonperforme	VERB
gujaf-88	114	23	loan	loan	NOUN
gujaf-88	114	24	of	of	ADP
gujaf-88	114	25	the	the	DET
gujaf-88	114	26	quoted	quote	VERB
gujaf-88	114	27	commercial	commercial	ADJ
gujaf-88	114	28	banks	bank	NOUN
gujaf-88	114	29	.	.	PUNCT
gujaf-88	115	1	this	this	DET
gujaf-88	115	2	finding	finding	NOUN
gujaf-88	115	3	is	be	AUX
gujaf-88	115	4	in	in	ADP
gujaf-88	115	5	consonance	consonance	NOUN
gujaf-88	115	6	with	with	ADP
gujaf-88	115	7	the	the	DET
gujaf-88	115	8	study	study	NOUN
gujaf-88	115	9	of	of	ADP
gujaf-88	115	10	wood	wood	NOUN
gujaf-88	115	11	&	&	CCONJ
gujaf-88	115	12	skinner	skinner	PROPN
gujaf-88	115	13	(	(	PUNCT
gujaf-88	115	14	2018	2018	NUM
gujaf-88	115	15	)	)	PUNCT
gujaf-88	115	16	,	,	PUNCT
gujaf-88	115	17	islam	islam	PROPN
gujaf-88	115	18	and	and	CCONJ
gujaf-88	115	19	islam	islam	PROPN
gujaf-88	115	20	(	(	PUNCT
gujaf-88	115	21	2018	2018	NUM
gujaf-88	115	22	)	)	PUNCT
gujaf-88	115	23	.	.	PUNCT
gujaf-88	116	1	similarly	similarly	ADV
gujaf-88	116	2	,	,	PUNCT
gujaf-88	116	3	loan	loan	NOUN
gujaf-88	116	4	to	to	PART
gujaf-88	116	5	deposit	deposit	NOUN
gujaf-88	116	6	ratio	ratio	NOUN
gujaf-88	116	7	has	have	VERB
gujaf-88	116	8	a	a	DET
gujaf-88	116	9	positive	positive	ADJ
gujaf-88	116	10	relationship	relationship	NOUN
gujaf-88	116	11	with	with	ADP
gujaf-88	116	12	nonperforming	nonperforming	ADJ
gujaf-88	116	13	loan	loan	NOUN
gujaf-88	116	14	.	.	PUNCT
gujaf-88	117	1	however	however	ADV
gujaf-88	117	2	,	,	PUNCT
gujaf-88	117	3	the	the	DET
gujaf-88	117	4	exhibited	exhibit	VERB
gujaf-88	117	5	relationship	relationship	NOUN
gujaf-88	117	6	was	be	AUX
gujaf-88	117	7	not	not	PART
gujaf-88	117	8	statistically	statistically	ADV
gujaf-88	117	9	significant	significant	ADJ
gujaf-88	117	10	as	as	SCONJ
gujaf-88	117	11	it	it	PRON
gujaf-88	117	12	shows	show	VERB
gujaf-88	117	13	zero	zero	NUM
gujaf-88	117	14	impact	impact	NOUN
gujaf-88	117	15	on	on	ADP
gujaf-88	117	16	npls	npls	NOUN
gujaf-88	117	17	.	.	PUNCT
gujaf-88	118	1	this	this	DET
gujaf-88	118	2	outcome	outcome	NOUN
gujaf-88	118	3	is	be	AUX
gujaf-88	118	4	in	in	ADP
gujaf-88	118	5	tandem	tandem	NOUN
gujaf-88	118	6	with	with	ADP
gujaf-88	118	7	asaduzzamanetal	asaduzzamanetal	ADJ
gujaf-88	118	8	(	(	PUNCT
gujaf-88	118	9	2017	2017	NUM
gujaf-88	118	10	)	)	PUNCT
gujaf-88	118	11	,	,	PUNCT
gujaf-88	118	12	jimenenezetal	jimenenezetal	PROPN
gujaf-88	118	13	(	(	PUNCT
gujaf-88	118	14	2006	2006	NUM
gujaf-88	118	15	)	)	PUNCT
gujaf-88	118	16	among	among	ADP
gujaf-88	118	17	others	other	NOUN
gujaf-88	118	18	.	.	PUNCT
gujaf-88	119	1	in	in	ADP
gujaf-88	119	2	addition	addition	NOUN
gujaf-88	119	3	to	to	ADP
gujaf-88	119	4	the	the	DET
gujaf-88	119	5	foregoing	foregoing	NOUN
gujaf-88	119	6	,	,	PUNCT
gujaf-88	119	7	the	the	DET
gujaf-88	119	8	variable	variable	NOUN
gujaf-88	119	9	of	of	ADP
gujaf-88	119	10	crude	crude	ADJ
gujaf-88	119	11	oil	oil	NOUN
gujaf-88	119	12	price	price	NOUN
gujaf-88	119	13	growth	growth	NOUN
gujaf-88	119	14	rate	rate	NOUN
gujaf-88	119	15	shows	show	VERB
gujaf-88	119	16	a	a	DET
gujaf-88	119	17	positive	positive	ADJ
gujaf-88	119	18	and	and	CCONJ
gujaf-88	119	19	significant	significant	ADJ
gujaf-88	119	20	impact	impact	NOUN
gujaf-88	119	21	on	on	ADP
gujaf-88	119	22	npls	npls	NOUN
gujaf-88	119	23	.	.	PUNCT
gujaf-88	120	1	it	it	PRON
gujaf-88	120	2	can	can	AUX
gujaf-88	120	3	be	be	AUX
gujaf-88	120	4	inferred	infer	VERB
gujaf-88	120	5	that	that	SCONJ
gujaf-88	120	6	any	any	DET
gujaf-88	120	7	unit	unit	NOUN
gujaf-88	120	8	increase	increase	NOUN
gujaf-88	120	9	in	in	ADP
gujaf-88	120	10	crude	crude	ADJ
gujaf-88	120	11	oil	oil	NOUN
gujaf-88	120	12	price	price	NOUN
gujaf-88	120	13	will	will	AUX
gujaf-88	120	14	lead	lead	VERB
gujaf-88	120	15	to	to	ADP
gujaf-88	120	16	a	a	DET
gujaf-88	120	17	significant	significant	ADJ
gujaf-88	120	18	corresponding	corresponding	ADJ
gujaf-88	120	19	increase	increase	NOUN
gujaf-88	120	20	in	in	ADP
gujaf-88	120	21	the	the	DET
gujaf-88	120	22	npls	npls	NOUN
gujaf-88	120	23	of	of	ADP
gujaf-88	120	24	commercial	commercial	ADJ
gujaf-88	120	25	banks	bank	NOUN
gujaf-88	120	26	in	in	ADP
gujaf-88	120	27	nigeria	nigeria	PROPN
gujaf-88	120	28	.	.	PUNCT
gujaf-88	121	1	this	this	DET
gujaf-88	121	2	result	result	NOUN
gujaf-88	121	3	support	support	VERB
gujaf-88	121	4	the	the	DET
gujaf-88	121	5	study	study	NOUN
gujaf-88	121	6	of	of	ADP
gujaf-88	121	7	idris	idris	PROPN
gujaf-88	121	8	and	and	CCONJ
gujaf-88	121	9	nayan	nayan	PROPN
gujaf-88	121	10	(	(	PUNCT
gujaf-88	121	11	2016	2016	NUM
gujaf-88	121	12	)	)	PUNCT
gujaf-88	121	13	,	,	PUNCT
gujaf-88	121	14	osamah	osamah	PROPN
gujaf-88	121	15	and	and	CCONJ
gujaf-88	121	16	ali	ali	PROPN
gujaf-88	121	17	(	(	PUNCT
gujaf-88	121	18	2017	2017	NUM
gujaf-88	121	19	)	)	PUNCT
gujaf-88	121	20	among	among	ADP
gujaf-88	121	21	others	other	NOUN
gujaf-88	121	22	.	.	PUNCT
gujaf-88	122	1	also	also	ADV
gujaf-88	122	2	,	,	PUNCT
gujaf-88	122	3	prime	prime	ADJ
gujaf-88	122	4	lending	lending	NOUN
gujaf-88	122	5	rate	rate	NOUN
gujaf-88	122	6	have	have	VERB
gujaf-88	122	7	a	a	DET
gujaf-88	122	8	negative	negative	ADJ
gujaf-88	122	9	coefficient	coefficient	NOUN
gujaf-88	122	10	of	of	ADP
gujaf-88	122	11	-0.06	-0.06	NUM
gujaf-88	122	12	and	and	CCONJ
gujaf-88	122	13	a	a	DET
gujaf-88	122	14	corresponding	corresponding	ADJ
gujaf-88	122	15	p	p	NOUN
gujaf-88	122	16	-	-	PUNCT
gujaf-88	122	17	value	value	NOUN
gujaf-88	122	18	of	of	ADP
gujaf-88	122	19	0.01	0.01	NUM
gujaf-88	122	20	.	.	PUNCT
gujaf-88	123	1	this	this	PRON
gujaf-88	123	2	shows	show	VERB
gujaf-88	123	3	that	that	SCONJ
gujaf-88	123	4	there	there	PRON
gujaf-88	123	5	is	be	VERB
gujaf-88	123	6	a	a	DET
gujaf-88	123	7	negative	negative	ADJ
gujaf-88	123	8	significant	significant	ADJ
gujaf-88	123	9	relationship	relationship	NOUN
gujaf-88	123	10	between	between	ADP
gujaf-88	123	11	prime	prime	ADJ
gujaf-88	123	12	lending	lending	NOUN
gujaf-88	123	13	rate	rate	NOUN
gujaf-88	123	14	and	and	CCONJ
gujaf-88	123	15	npls	npls	NOUN
gujaf-88	123	16	among	among	ADP
gujaf-88	123	17	the	the	DET
gujaf-88	123	18	commercial	commercial	ADJ
gujaf-88	123	19	banks	bank	NOUN
gujaf-88	123	20	.	.	PUNCT
gujaf-88	124	1	increase	increase	VERB
gujaf-88	124	2	in	in	ADP
gujaf-88	124	3	prime	prime	ADJ
gujaf-88	124	4	lending	lending	NOUN
gujaf-88	124	5	rate	rate	NOUN
gujaf-88	124	6	mean	mean	VERB
gujaf-88	124	7	less	less	ADV
gujaf-88	124	8	liquid	liquid	ADJ
gujaf-88	124	9	fund	fund	NOUN
gujaf-88	124	10	for	for	ADP
gujaf-88	124	11	the	the	DET
gujaf-88	124	12	banks	bank	NOUN
gujaf-88	124	13	which	which	PRON
gujaf-88	124	14	also	also	ADV
gujaf-88	124	15	connote	connote	VERB
gujaf-88	124	16	reduced	reduce	VERB
gujaf-88	124	17	ability	ability	NOUN
gujaf-88	124	18	to	to	PART
gujaf-88	124	19	lend	lend	VERB
gujaf-88	124	20	out	out	ADP
gujaf-88	124	21	to	to	ADP
gujaf-88	124	22	potential	potential	ADJ
gujaf-88	124	23	borrowers	borrower	NOUN
gujaf-88	124	24	.	.	PUNCT
gujaf-88	125	1	also	also	ADV
gujaf-88	125	2	,	,	PUNCT
gujaf-88	125	3	many	many	ADJ
gujaf-88	125	4	borrowers	borrower	NOUN
gujaf-88	125	5	will	will	AUX
gujaf-88	125	6	be	be	AUX
gujaf-88	125	7	discouraged	discourage	VERB
gujaf-88	125	8	to	to	PART
gujaf-88	125	9	take	take	VERB
gujaf-88	125	10	loan	loan	NOUN
gujaf-88	125	11	as	as	SCONJ
gujaf-88	125	12	it	it	PRON
gujaf-88	125	13	come	come	VERB
gujaf-88	125	14	at	at	ADP
gujaf-88	125	15	a	a	DET
gujaf-88	125	16	very	very	ADV
gujaf-88	125	17	unbearable	unbearable	ADJ
gujaf-88	125	18	cost	cost	NOUN
gujaf-88	125	19	to	to	ADP
gujaf-88	125	20	them	they	PRON
gujaf-88	125	21	.	.	PUNCT
gujaf-88	126	1	as	as	ADP
gujaf-88	126	2	such	such	ADJ
gujaf-88	126	3	,	,	PUNCT
gujaf-88	126	4	they	they	PRON
gujaf-88	126	5	may	may	AUX
gujaf-88	126	6	be	be	AUX
gujaf-88	126	7	plunged	plunge	VERB
gujaf-88	126	8	to	to	PART
gujaf-88	126	9	seek	seek	VERB
gujaf-88	126	10	for	for	ADP
gujaf-88	126	11	alternative	alternative	ADJ
gujaf-88	126	12	fund	fund	NOUN
gujaf-88	126	13	through	through	ADP
gujaf-88	126	14	other	other	ADJ
gujaf-88	126	15	means	mean	NOUN
gujaf-88	126	16	.	.	PUNCT
gujaf-88	127	1	hence	hence	ADV
gujaf-88	127	2	,	,	PUNCT
gujaf-88	127	3	reducing	reduce	VERB
gujaf-88	127	4	the	the	DET
gujaf-88	127	5	level	level	NOUN
gujaf-88	127	6	of	of	ADP
gujaf-88	127	7	possible	possible	ADJ
gujaf-88	127	8	nonperforming	nonperforming	ADJ
gujaf-88	127	9	loans	loan	NOUN
gujaf-88	127	10	of	of	ADP
gujaf-88	127	11	the	the	DET
gujaf-88	127	12	commercial	commercial	ADJ
gujaf-88	127	13	banks	bank	NOUN
gujaf-88	127	14	.	.	PUNCT
gujaf-88	128	1	this	this	DET
gujaf-88	128	2	finding	finding	NOUN
gujaf-88	128	3	is	be	AUX
gujaf-88	128	4	consistent	consistent	ADJ
gujaf-88	128	5	with	with	ADP
gujaf-88	128	6	the	the	DET
gujaf-88	128	7	findings	finding	NOUN
gujaf-88	128	8	of	of	ADP
gujaf-88	128	9	chege	chege	NOUN
gujaf-88	128	10	(	(	PUNCT
gujaf-88	128	11	2014	2014	NUM
gujaf-88	128	12	)	)	PUNCT
gujaf-88	128	13	and	and	CCONJ
gujaf-88	128	14	mondal	mondal	NOUN
gujaf-88	128	15	(	(	PUNCT
gujaf-88	128	16	2016	2016	NUM
gujaf-88	128	17	)	)	PUNCT
gujaf-88	128	18	.	.	PUNCT
gujaf-88	129	1	5	5	X
gujaf-88	129	2	.	.	X
gujaf-88	129	3	conclusion	conclusion	NOUN
gujaf-88	129	4	and	and	CCONJ
gujaf-88	129	5	recommendations	recommendation	NOUN
gujaf-88	129	6	the	the	DET
gujaf-88	129	7	study	study	NOUN
gujaf-88	129	8	resolved	resolve	VERB
gujaf-88	129	9	that	that	SCONJ
gujaf-88	129	10	nonperforming	nonperforme	VERB
gujaf-88	129	11	loan	loan	NOUN
gujaf-88	129	12	in	in	ADP
gujaf-88	129	13	nigeria	nigeria	PROPN
gujaf-88	129	14	is	be	AUX
gujaf-88	129	15	a	a	DET
gujaf-88	129	16	serious	serious	ADJ
gujaf-88	129	17	issue	issue	NOUN
gujaf-88	129	18	that	that	PRON
gujaf-88	129	19	requires	require	VERB
gujaf-88	129	20	special	special	ADJ
gujaf-88	129	21	concern	concern	NOUN
gujaf-88	129	22	.	.	PUNCT
gujaf-88	130	1	although	although	SCONJ
gujaf-88	130	2	a	a	DET
gujaf-88	130	3	lot	lot	NOUN
gujaf-88	130	4	of	of	ADP
gujaf-88	130	5	efforts	effort	NOUN
gujaf-88	130	6	have	have	AUX
gujaf-88	130	7	been	be	AUX
gujaf-88	130	8	made	make	VERB
gujaf-88	130	9	to	to	PART
gujaf-88	130	10	curb	curb	VERB
gujaf-88	130	11	this	this	DET
gujaf-88	130	12	menace	menace	NOUN
gujaf-88	130	13	,	,	PUNCT
gujaf-88	130	14	but	but	CCONJ
gujaf-88	130	15	the	the	DET
gujaf-88	130	16	approach	approach	NOUN
gujaf-88	130	17	was	be	AUX
gujaf-88	130	18	more	more	ADV
gujaf-88	130	19	conventional	conventional	ADJ
gujaf-88	130	20	and	and	CCONJ
gujaf-88	130	21	democratic	democratic	ADJ
gujaf-88	130	22	as	as	SCONJ
gujaf-88	130	23	few	few	ADJ
gujaf-88	130	24	variables	variable	NOUN
gujaf-88	130	25	whose	whose	DET
gujaf-88	130	26	importance	importance	NOUN
gujaf-88	130	27	have	have	AUX
gujaf-88	130	28	been	be	AUX
gujaf-88	130	29	over	over	ADV
gujaf-88	130	30	-	-	PUNCT
gujaf-88	130	31	dressed	dress	VERB
gujaf-88	130	32	in	in	ADP
gujaf-88	130	33	literatures	literature	NOUN
gujaf-88	130	34	are	be	AUX
gujaf-88	130	35	being	be	AUX
gujaf-88	130	36	recycled	recycle	VERB
gujaf-88	130	37	by	by	ADP
gujaf-88	130	38	different	different	ADJ
gujaf-88	130	39	authors	author	NOUN
gujaf-88	130	40	at	at	ADP
gujaf-88	130	41	the	the	DET
gujaf-88	130	42	neglect	neglect	NOUN
gujaf-88	130	43	of	of	ADP
gujaf-88	130	44	other	other	ADJ
gujaf-88	130	45	important	important	ADJ
gujaf-88	130	46	variables	variable	NOUN
gujaf-88	130	47	like	like	ADP
gujaf-88	130	48	the	the	DET
gujaf-88	130	49	crude	crude	ADJ
gujaf-88	130	50	oil	oil	NOUN
gujaf-88	130	51	price	price	NOUN
gujaf-88	130	52	that	that	PRON
gujaf-88	130	53	are	be	AUX
gujaf-88	130	54	more	more	ADV
gujaf-88	130	55	culpable	culpable	ADJ
gujaf-88	130	56	for	for	ADP
gujaf-88	130	57	the	the	DET
gujaf-88	130	58	increase	increase	NOUN
gujaf-88	130	59	in	in	ADP
gujaf-88	130	60	npls	npls	NOUN
gujaf-88	130	61	.	.	PUNCT
gujaf-88	131	1	this	this	DET
gujaf-88	131	2	study	study	NOUN
gujaf-88	131	3	realized	realize	VERB
gujaf-88	131	4	that	that	SCONJ
gujaf-88	131	5	the	the	DET
gujaf-88	131	6	impact	impact	NOUN
gujaf-88	131	7	of	of	ADP
gujaf-88	131	8	crude	crude	ADJ
gujaf-88	131	9	oil	oil	NOUN
gujaf-88	131	10	price	price	NOUN
gujaf-88	131	11	fluctuation	fluctuation	NOUN
gujaf-88	131	12	has	have	AUX
gujaf-88	131	13	become	become	VERB
gujaf-88	131	14	quite	quite	ADV
gujaf-88	131	15	unbearable	unbearable	ADJ
gujaf-88	131	16	for	for	ADP
gujaf-88	131	17	most	most	ADJ
gujaf-88	131	18	commercial	commercial	ADJ
gujaf-88	131	19	banks	bank	NOUN
gujaf-88	131	20	in	in	ADP
gujaf-88	131	21	nigeria	nigeria	PROPN
gujaf-88	131	22	with	with	ADP
gujaf-88	131	23	respect	respect	NOUN
gujaf-88	131	24	to	to	ADP
gujaf-88	131	25	loan	loan	NOUN
gujaf-88	131	26	disbursement	disbursement	NOUN
gujaf-88	131	27	and	and	CCONJ
gujaf-88	131	28	subsequent	subsequent	ADJ
gujaf-88	131	29	servicing	servicing	NOUN
gujaf-88	131	30	.	.	PUNCT
gujaf-88	132	1	hence	hence	ADV
gujaf-88	132	2	,	,	PUNCT
gujaf-88	132	3	the	the	DET
gujaf-88	132	4	following	follow	VERB
gujaf-88	132	5	are	be	AUX
gujaf-88	132	6	recommended	recommend	VERB
gujaf-88	132	7	by	by	ADP
gujaf-88	132	8	this	this	DET
gujaf-88	132	9	study	study	NOUN
gujaf-88	132	10	:	:	PUNCT
gujaf-88	132	11	i.	i.	NOUN
gujaf-88	132	12	diversification	diversification	NOUN
gujaf-88	132	13	of	of	ADP
gujaf-88	132	14	loans	loan	NOUN
gujaf-88	132	15	is	be	AUX
gujaf-88	132	16	very	very	ADV
gujaf-88	132	17	crucial	crucial	ADJ
gujaf-88	132	18	.	.	PUNCT
gujaf-88	133	1	as	as	ADP
gujaf-88	133	2	a	a	DET
gujaf-88	133	3	matter	matter	NOUN
gujaf-88	133	4	of	of	ADP
gujaf-88	133	5	necessity	necessity	NOUN
gujaf-88	133	6	,	,	PUNCT
gujaf-88	133	7	other	other	ADJ
gujaf-88	133	8	sectors	sector	NOUN
gujaf-88	133	9	should	should	AUX
gujaf-88	133	10	be	be	AUX
gujaf-88	133	11	considered	consider	VERB
gujaf-88	133	12	when	when	SCONJ
gujaf-88	133	13	disbursing	disburse	VERB
gujaf-88	133	14	loan	loan	NOUN
gujaf-88	133	15	rather	rather	ADV
gujaf-88	133	16	than	than	ADP
gujaf-88	133	17	focusing	focus	VERB
gujaf-88	133	18	solely	solely	ADV
gujaf-88	133	19	on	on	ADP
gujaf-88	133	20	the	the	DET
gujaf-88	133	21	oil	oil	NOUN
gujaf-88	133	22	and	and	CCONJ
gujaf-88	133	23	gas	gas	NOUN
gujaf-88	133	24	industry	industry	NOUN
gujaf-88	133	25	.	.	PUNCT
gujaf-88	134	1	ii	ii	PROPN
gujaf-88	134	2	.	.	PUNCT
gujaf-88	135	1	borrowers	borrower	NOUN
gujaf-88	135	2	should	should	AUX
gujaf-88	135	3	undergo	undergo	VERB
gujaf-88	135	4	thorough	thorough	ADJ
gujaf-88	135	5	screening	screening	NOUN
gujaf-88	135	6	and	and	CCONJ
gujaf-88	135	7	evaluation	evaluation	NOUN
gujaf-88	135	8	before	before	ADP
gujaf-88	135	9	loan	loan	NOUN
gujaf-88	135	10	approval	approval	NOUN
gujaf-88	135	11	.	.	PUNCT
gujaf-88	136	1	iii	iii	X
gujaf-88	136	2	.	.	PUNCT
gujaf-88	136	3	favourable	favourable	ADJ
gujaf-88	136	4	lending	lending	NOUN
gujaf-88	136	5	rate	rate	NOUN
gujaf-88	136	6	is	be	AUX
gujaf-88	136	7	recommended	recommend	VERB
gujaf-88	136	8	.	.	PUNCT
gujaf-88	137	1	if	if	SCONJ
gujaf-88	137	2	banks	bank	NOUN
gujaf-88	137	3	must	must	AUX
gujaf-88	137	4	lend	lend	VERB
gujaf-88	137	5	,	,	PUNCT
gujaf-88	137	6	they	they	PRON
gujaf-88	137	7	should	should	AUX
gujaf-88	137	8	do	do	VERB
gujaf-88	137	9	it	it	PRON
gujaf-88	137	10	at	at	ADP
gujaf-88	137	11	a	a	DET
gujaf-88	137	12	more	more	ADV
gujaf-88	137	13	concessionary	concessionary	ADJ
gujaf-88	137	14	and	and	CCONJ
gujaf-88	137	15	reasonable	reasonable	ADJ
gujaf-88	137	16	lending	lending	NOUN
gujaf-88	137	17	rate	rate	NOUN
gujaf-88	137	18	.	.	PUNCT
gujaf-88	138	1	9	9	NUM
gujaf-88	138	2	iv	iv	NOUN
gujaf-88	138	3	.	.	PUNCT
gujaf-88	139	1	upward	upward	PROPN
gujaf-88	139	2	review	review	NOUN
gujaf-88	139	3	of	of	ADP
gujaf-88	139	4	lending	lending	NOUN
gujaf-88	139	5	rate	rate	NOUN
gujaf-88	139	6	by	by	ADP
gujaf-88	139	7	the	the	DET
gujaf-88	139	8	apex	apex	PROPN
gujaf-88	139	9	bank	bank	PROPN
gujaf-88	139	10	base	base	NOUN
gujaf-88	139	11	on	on	ADP
gujaf-88	139	12	the	the	DET
gujaf-88	139	13	findings	finding	NOUN
gujaf-88	139	14	of	of	ADP
gujaf-88	139	15	this	this	DET
gujaf-88	139	16	study	study	NOUN
gujaf-88	139	17	.	.	PUNCT
gujaf-88	140	1	if	if	SCONJ
gujaf-88	140	2	the	the	DET
gujaf-88	140	3	hike	hike	NOUN
gujaf-88	140	4	in	in	ADP
gujaf-88	140	5	nonperforming	nonperforme	VERB
gujaf-88	140	6	loan	loan	NOUN
gujaf-88	140	7	continues	continue	VERB
gujaf-88	140	8	,	,	PUNCT
gujaf-88	140	9	the	the	DET
gujaf-88	140	10	cbn	cbn	PROPN
gujaf-88	140	11	as	as	ADP
gujaf-88	140	12	a	a	DET
gujaf-88	140	13	matter	matter	NOUN
gujaf-88	140	14	of	of	ADP
gujaf-88	140	15	monetary	monetary	ADJ
gujaf-88	140	16	policy	policy	NOUN
gujaf-88	140	17	can	can	AUX
gujaf-88	140	18	increase	increase	VERB
gujaf-88	140	19	the	the	DET
gujaf-88	140	20	lending	lending	NOUN
gujaf-88	140	21	rate	rate	NOUN
gujaf-88	140	22	.	.	PUNCT
gujaf-88	141	1	v.	v.	ADP
gujaf-88	141	2	loan	loan	NOUN
gujaf-88	141	3	-	-	PUNCT
gujaf-88	141	4	deposit	deposit	NOUN
gujaf-88	141	5	ratio	ratio	NOUN
gujaf-88	141	6	should	should	AUX
gujaf-88	141	7	constantly	constantly	ADV
gujaf-88	141	8	be	be	AUX
gujaf-88	141	9	on	on	ADP
gujaf-88	141	10	check	check	NOUN
gujaf-88	141	11	.	.	PUNCT
gujaf-88	142	1	this	this	PRON
gujaf-88	142	2	is	be	AUX
gujaf-88	142	3	because	because	SCONJ
gujaf-88	142	4	it	it	PRON
gujaf-88	142	5	exert	exert	VERB
gujaf-88	142	6	direct	direct	ADJ
gujaf-88	142	7	and	and	CCONJ
gujaf-88	142	8	positive	positive	ADJ
gujaf-88	142	9	impact	impact	NOUN
gujaf-88	142	10	on	on	ADP
gujaf-88	142	11	nonperforming	nonperforme	VERB
gujaf-88	142	12	loan	loan	NOUN
gujaf-88	142	13	.	.	PUNCT
gujaf-88	143	1	any	any	DET
gujaf-88	143	2	unit	unit	NOUN
gujaf-88	143	3	increase	increase	NOUN
gujaf-88	143	4	in	in	ADP
gujaf-88	143	5	the	the	DET
gujaf-88	143	6	ratio	ratio	NOUN
gujaf-88	143	7	equally	equally	ADV
gujaf-88	143	8	mean	mean	VERB
gujaf-88	143	9	a	a	DET
gujaf-88	143	10	possible	possible	ADJ
gujaf-88	143	11	increase	increase	NOUN
gujaf-88	143	12	in	in	ADP
gujaf-88	143	13	the	the	DET
gujaf-88	143	14	level	level	NOUN
gujaf-88	143	15	of	of	ADP
gujaf-88	143	16	nonperforming	nonperforme	VERB
gujaf-88	143	17	loans	loan	NOUN
gujaf-88	143	18	of	of	ADP
gujaf-88	143	19	the	the	DET
gujaf-88	143	20	banks	bank	NOUN
gujaf-88	143	21	.	.	PUNCT
gujaf-88	144	1	references	reference	NOUN
gujaf-88	144	2	al	al	PROPN
gujaf-88	144	3	-	-	PUNCT
gujaf-88	144	4	khazali	khazali	PROPN
gujaf-88	144	5	,	,	PUNCT
gujaf-88	144	6	o.	o.	NOUN
gujaf-88	144	7	m.	m.	NOUN
gujaf-88	144	8	,	,	PUNCT
gujaf-88	144	9	&	&	CCONJ
gujaf-88	144	10	mirzaei	mirzaei	PROPN
gujaf-88	144	11	,	,	PUNCT
gujaf-88	144	12	a.	a.	NOUN
gujaf-88	144	13	(	(	PUNCT
gujaf-88	144	14	2017	2017	NUM
gujaf-88	144	15	)	)	PUNCT
gujaf-88	144	16	.	.	PUNCT
gujaf-88	145	1	the	the	DET
gujaf-88	145	2	impact	impact	NOUN
gujaf-88	145	3	of	of	ADP
gujaf-88	145	4	oil	oil	NOUN
gujaf-88	145	5	price	price	NOUN
gujaf-88	145	6	movements	movement	NOUN
gujaf-88	145	7	on	on	ADP
gujaf-88	145	8	bank	bank	NOUN
gujaf-88	145	9	non	non	ADJ
gujaf-88	145	10	performing	perform	VERB
gujaf-88	145	11	loans	loan	NOUN
gujaf-88	145	12	:	:	PUNCT
gujaf-88	145	13	global	global	ADJ
gujaf-88	145	14	evidence	evidence	NOUN
gujaf-88	145	15	from	from	ADP
gujaf-88	145	16	oil	oil	NOUN
gujaf-88	145	17	-	-	PUNCT
gujaf-88	145	18	exporting	export	VERB
gujaf-88	145	19	countries	country	NOUN
gujaf-88	145	20	.	.	PUNCT
gujaf-88	146	1	emerging	emerge	VERB
gujaf-88	146	2	markets	market	NOUN
gujaf-88	146	3	review	review	VERB
gujaf-88	146	4	,	,	PUNCT
gujaf-88	146	5	31	31	NUM
gujaf-88	146	6	,	,	PUNCT
gujaf-88	146	7	193	193	NUM
gujaf-88	146	8	-	-	SYM
gujaf-88	146	9	208	208	NUM
gujaf-88	146	10	.	.	PUNCT
gujaf-88	147	1	asu	asu	PROPN
gujaf-88	147	2	,	,	PUNCT
gujaf-88	147	3	f.	f.	PROPN
gujaf-88	147	4	(	(	PUNCT
gujaf-88	147	5	2017	2017	NUM
gujaf-88	147	6	,	,	PUNCT
gujaf-88	147	7	february	february	PROPN
gujaf-88	147	8	26	26	NUM
gujaf-88	147	9	):	):	PUNCT
gujaf-88	147	10	banks	bank	NOUN
gujaf-88	147	11	losing	lose	VERB
gujaf-88	147	12	appetite	appetite	NOUN
gujaf-88	147	13	for	for	ADP
gujaf-88	147	14	oil	oil	NOUN
gujaf-88	147	15	and	and	CCONJ
gujaf-88	147	16	gas	gas	NOUN
gujaf-88	147	17	loans	loan	NOUN
gujaf-88	147	18	:	:	PUNCT
gujaf-88	147	19	retrieve	retrieve	VERB
gujaf-88	147	20	from	from	ADP
gujaf-88	147	21	http://punchng.com	http://punchng.com	X
gujaf-88	147	22	akerlof	akerlof	NOUN
gujaf-88	147	23	,	,	PUNCT
gujaf-88	147	24	g.	g.	PROPN
gujaf-88	147	25	a.	a.	PROPN
gujaf-88	147	26	(	(	PUNCT
gujaf-88	147	27	1970	1970	NUM
gujaf-88	147	28	)	)	PUNCT
gujaf-88	147	29	.	.	PUNCT
gujaf-88	148	1	the	the	DET
gujaf-88	148	2	market	market	NOUN
gujaf-88	148	3	for	for	ADP
gujaf-88	148	4	lemons	lemon	NOUN
gujaf-88	148	5	:	:	PUNCT
gujaf-88	148	6	quality	quality	NOUN
gujaf-88	148	7	and	and	CCONJ
gujaf-88	148	8	the	the	DET
gujaf-88	148	9	market	market	NOUN
gujaf-88	148	10	mechanism	mechanism	NOUN
gujaf-88	148	11	.	.	PUNCT
gujaf-88	149	1	quarterly	quarterly	ADJ
gujaf-88	149	2	.	.	PUNCT
gujaf-88	150	1	journal	journal	PROPN
gujaf-88	150	2	economics	economic	NOUN
gujaf-88	150	3	,	,	PUNCT
gujaf-88	150	4	84	84	NUM
gujaf-88	150	5	,	,	PUNCT
gujaf-88	150	6	488	488	NUM
gujaf-88	150	7	-	-	SYM
gujaf-88	150	8	500	500	NUM
gujaf-88	150	9	.	.	PUNCT
gujaf-88	151	1	akinlo	akinlo	PROPN
gujaf-88	151	2	,	,	PUNCT
gujaf-88	151	3	o.	o.	PROPN
gujaf-88	151	4	,	,	PUNCT
gujaf-88	151	5	&	&	CCONJ
gujaf-88	151	6	emmanuel	emmanuel	PROPN
gujaf-88	151	7	,	,	PUNCT
gujaf-88	151	8	m.	m.	NOUN
gujaf-88	151	9	(	(	PUNCT
gujaf-88	151	10	2014	2014	NUM
gujaf-88	151	11	)	)	PUNCT
gujaf-88	151	12	.	.	PUNCT
gujaf-88	152	1	determinants	determinant	NOUN
gujaf-88	152	2	of	of	ADP
gujaf-88	152	3	non	non	ADJ
gujaf-88	152	4	-	-	ADJ
gujaf-88	152	5	performing	performing	ADJ
gujaf-88	152	6	loans	loan	NOUN
gujaf-88	152	7	in	in	ADP
gujaf-88	152	8	nigeria	nigeria	PROPN
gujaf-88	152	9	.	.	PUNCT
gujaf-88	153	1	accounting	accounting	PROPN
gujaf-88	153	2	&	&	CCONJ
gujaf-88	153	3	taxation	taxation	PROPN
gujaf-88	153	4	,	,	PUNCT
gujaf-88	153	5	6(2	6(2	NUM
gujaf-88	153	6	)	)	PUNCT
gujaf-88	153	7	,	,	PUNCT
gujaf-88	153	8	21	21	NUM
gujaf-88	153	9	.	.	PUNCT
gujaf-88	153	10	amah	amah	PROPN
gujaf-88	153	11	,	,	PUNCT
gujaf-88	153	12	f.	f.	PROPN
gujaf-88	153	13	o.	o.	PROPN
gujaf-88	153	14	(	(	PUNCT
gujaf-88	153	15	2017	2017	NUM
gujaf-88	153	16	)	)	PUNCT
gujaf-88	153	17	.	.	PUNCT
gujaf-88	154	1	determinants	determinant	NOUN
gujaf-88	154	2	of	of	ADP
gujaf-88	154	3	non	non	ADJ
gujaf-88	154	4	-	-	ADJ
gujaf-88	154	5	performing	performing	ADJ
gujaf-88	154	6	loans	loan	NOUN
gujaf-88	154	7	(	(	PUNCT
gujaf-88	154	8	npls	npls	NOUN
gujaf-88	154	9	)	)	PUNCT
gujaf-88	154	10	in	in	ADP
gujaf-88	154	11	emerging	emerge	VERB
gujaf-88	154	12	economies	economy	NOUN
gujaf-88	154	13	:	:	PUNCT
gujaf-88	154	14	evidence	evidence	NOUN
gujaf-88	154	15	from	from	ADP
gujaf-88	154	16	nigerian	nigerian	ADJ
gujaf-88	154	17	banking	banking	NOUN
gujaf-88	154	18	industry	industry	NOUN
gujaf-88	154	19	(	(	PUNCT
gujaf-88	154	20	doctoral	doctoral	ADJ
gujaf-88	154	21	dissertation	dissertation	NOUN
gujaf-88	154	22	)	)	PUNCT
gujaf-88	154	23	.	.	PUNCT
gujaf-88	155	1	ameer	ameer	PROPN
gujaf-88	155	2	,	,	PUNCT
gujaf-88	155	3	b.	b.	PROPN
gujaf-88	155	4	m.	m.	PROPN
gujaf-88	155	5	(	(	PUNCT
gujaf-88	155	6	2015	2015	NUM
gujaf-88	155	7	)	)	PUNCT
gujaf-88	155	8	.	.	PUNCT
gujaf-88	156	1	determinants	determinant	NOUN
gujaf-88	156	2	of	of	ADP
gujaf-88	156	3	banking	banking	NOUN
gujaf-88	156	4	sector	sector	NOUN
gujaf-88	156	5	performance	performance	NOUN
gujaf-88	156	6	in	in	ADP
gujaf-88	156	7	pakistan	pakistan	PROPN
gujaf-88	156	8	.	.	PUNCT
gujaf-88	157	1	global	global	ADJ
gujaf-88	157	2	journal	journal	PROPN
gujaf-88	157	3	of	of	ADP
gujaf-88	157	4	management	management	NOUN
gujaf-88	157	5	and	and	CCONJ
gujaf-88	157	6	business	business	NOUN
gujaf-88	157	7	research	research	NOUN
gujaf-88	157	8	atoi	atoi	NOUN
gujaf-88	157	9	,	,	PUNCT
gujaf-88	157	10	n.	n.	NOUN
gujaf-88	157	11	v	v	NOUN
gujaf-88	157	12	(	(	PUNCT
gujaf-88	157	13	2018	2018	NUM
gujaf-88	157	14	)	)	PUNCT
gujaf-88	157	15	.	.	PUNCT
gujaf-88	158	1	non	non	ADJ
gujaf-88	158	2	-	-	ADJ
gujaf-88	158	3	performing	perform	VERB
gujaf-88	158	4	loan	loan	NOUN
gujaf-88	158	5	and	and	CCONJ
gujaf-88	158	6	its	its	PRON
gujaf-88	158	7	effects	effect	NOUN
gujaf-88	158	8	on	on	ADP
gujaf-88	158	9	banking	banking	NOUN
gujaf-88	158	10	stability	stability	NOUN
gujaf-88	158	11	:	:	PUNCT
gujaf-88	158	12	evidence	evidence	NOUN
gujaf-88	158	13	from	from	ADP
gujaf-88	158	14	national	national	ADJ
gujaf-88	158	15	and	and	CCONJ
gujaf-88	158	16	international	international	ADJ
gujaf-88	158	17	licensed	licensed	ADJ
gujaf-88	158	18	banks	bank	NOUN
gujaf-88	158	19	in	in	ADP
gujaf-88	158	20	nigeria	nigeria	PROPN
gujaf-88	158	21	.	.	PUNCT
gujaf-88	159	1	badar	badar	PROPN
gujaf-88	159	2	,	,	PUNCT
gujaf-88	159	3	m.	m.	NOUN
gujaf-88	159	4	,	,	PUNCT
gujaf-88	159	5	&	&	CCONJ
gujaf-88	159	6	javid	javid	PROPN
gujaf-88	159	7	,	,	PUNCT
gujaf-88	159	8	a.	a.	PROPN
gujaf-88	159	9	y.	y.	PROPN
gujaf-88	159	10	(	(	PUNCT
gujaf-88	159	11	2013	2013	NUM
gujaf-88	159	12	)	)	PUNCT
gujaf-88	159	13	.	.	PUNCT
gujaf-88	160	1	impact	impact	NOUN
gujaf-88	160	2	of	of	ADP
gujaf-88	160	3	macroeconomic	macroeconomic	ADJ
gujaf-88	160	4	forces	force	NOUN
gujaf-88	160	5	on	on	ADP
gujaf-88	160	6	nonperforming	nonperforme	VERB
gujaf-88	160	7	loans	loan	NOUN
gujaf-88	160	8	:	:	PUNCT
gujaf-88	160	9	an	an	DET
gujaf-88	160	10	empirical	empirical	ADJ
gujaf-88	160	11	study	study	NOUN
gujaf-88	160	12	of	of	ADP
gujaf-88	160	13	commercial	commercial	ADJ
gujaf-88	160	14	banks	bank	NOUN
gujaf-88	160	15	in	in	ADP
gujaf-88	160	16	pakistan	pakistan	PROPN
gujaf-88	160	17	.	.	PUNCT
gujaf-88	161	1	wseas	wseas	VERB
gujaf-88	161	2	transactions	transaction	NOUN
gujaf-88	161	3	on	on	ADP
gujaf-88	161	4	business	business	NOUN
gujaf-88	161	5	and	and	CCONJ
gujaf-88	161	6	economics	economic	NOUN
gujaf-88	161	7	,	,	PUNCT
gujaf-88	161	8	10(1	10(1	NUM
gujaf-88	161	9	)	)	PUNCT
gujaf-88	161	10	,	,	PUNCT
gujaf-88	161	11	40	40	NUM
gujaf-88	161	12	-	-	SYM
gujaf-88	161	13	48	48	NUM
gujaf-88	161	14	.	.	PUNCT
gujaf-88	162	1	basel	basel	PROPN
gujaf-88	162	2	,	,	PUNCT
gujaf-88	162	3	committee	committee	NOUN
gujaf-88	162	4	,	,	PUNCT
gujaf-88	162	5	(	(	PUNCT
gujaf-88	162	6	2001	2001	NUM
gujaf-88	162	7	)	)	PUNCT
gujaf-88	162	8	.	.	PUNCT
gujaf-88	163	1	sound	sound	NOUN
gujaf-88	163	2	practices	practice	NOUN
gujaf-88	163	3	for	for	ADP
gujaf-88	163	4	the	the	DET
gujaf-88	163	5	management	management	NOUN
gujaf-88	163	6	and	and	CCONJ
gujaf-88	163	7	supervision	supervision	NOUN
gujaf-88	163	8	of	of	ADP
gujaf-88	163	9	operational	operational	ADJ
gujaf-88	163	10	risk	risk	NOUN
gujaf-88	163	11	.	.	PUNCT
gujaf-88	164	1	basel	basel	PROPN
gujaf-88	164	2	committee	committee	PROPN
gujaf-88	164	3	on	on	ADP
gujaf-88	164	4	banking	banking	NOUN
gujaf-88	164	5	supervision	supervision	NOUN
gujaf-88	164	6	.	.	PUNCT
gujaf-88	165	1	berger	berger	PROPN
gujaf-88	165	2	,	,	PUNCT
gujaf-88	165	3	a.	a.	PROPN
gujaf-88	165	4	n.	n.	PROPN
gujaf-88	165	5	,	,	PUNCT
gujaf-88	165	6	&	&	CCONJ
gujaf-88	165	7	deyoung	deyoung	PROPN
gujaf-88	165	8	,	,	PUNCT
gujaf-88	165	9	r.	r.	PROPN
gujaf-88	165	10	(	(	PUNCT
gujaf-88	165	11	1997	1997	NUM
gujaf-88	165	12	)	)	PUNCT
gujaf-88	165	13	.	.	PUNCT
gujaf-88	166	1	problem	problem	NOUN
gujaf-88	166	2	loans	loan	NOUN
gujaf-88	166	3	and	and	CCONJ
gujaf-88	166	4	cost	cost	NOUN
gujaf-88	166	5	efficiency	efficiency	NOUN
gujaf-88	166	6	in	in	ADP
gujaf-88	166	7	commercial	commercial	ADJ
gujaf-88	166	8	banks	bank	NOUN
gujaf-88	166	9	.	.	PUNCT
gujaf-88	167	1	journal	journal	PROPN
gujaf-88	167	2	of	of	ADP
gujaf-88	167	3	banking	banking	NOUN
gujaf-88	167	4	&	&	CCONJ
gujaf-88	167	5	finance	finance	NOUN
gujaf-88	167	6	,	,	PUNCT
gujaf-88	167	7	21(6	21(6	PROPN
gujaf-88	167	8	)	)	PUNCT
gujaf-88	167	9	,	,	PUNCT
gujaf-88	167	10	849	849	NUM
gujaf-88	167	11	-	-	SYM
gujaf-88	167	12	870	870	NUM
gujaf-88	167	13	.	.	PUNCT
gujaf-88	168	1	central	central	ADJ
gujaf-88	168	2	bank	bank	PROPN
gujaf-88	168	3	of	of	ADP
gujaf-88	168	4	nigeria	nigeria	PROPN
gujaf-88	168	5	(	(	PUNCT
gujaf-88	168	6	cbn	cbn	PROPN
gujaf-88	168	7	)	)	PUNCT
gujaf-88	168	8	,	,	PUNCT
gujaf-88	168	9	(	(	PUNCT
gujaf-88	168	10	2021	2021	NUM
gujaf-88	168	11	)	)	PUNCT
gujaf-88	168	12	.	.	PUNCT
gujaf-88	169	1	monetary	monetary	ADJ
gujaf-88	169	2	policy	policy	NOUN
gujaf-88	169	3	comminique	comminique	NOUN
gujaf-88	169	4	central	central	PROPN
gujaf-88	169	5	bank	bank	PROPN
gujaf-88	169	6	of	of	ADP
gujaf-88	169	7	nigeria	nigeria	PROPN
gujaf-88	169	8	,	,	PUNCT
gujaf-88	169	9	(	(	PUNCT
gujaf-88	169	10	cbn	cbn	PROPN
gujaf-88	169	11	)	)	PUNCT
gujaf-88	169	12	,	,	PUNCT
gujaf-88	169	13	(	(	PUNCT
gujaf-88	169	14	2020	2020	NUM
gujaf-88	169	15	)	)	PUNCT
gujaf-88	169	16	financial	financial	ADJ
gujaf-88	169	17	stability	stability	NOUN
gujaf-88	169	18	report	report	NOUN
gujaf-88	169	19	.	.	PUNCT
gujaf-88	170	1	http://www.cbn.gov.ng/out/2020/fprd/fsr%20december%202020.pdf	http://www.cbn.gov.ng/out/2020/fprd/fsr%20december%202020.pdf	PROPN
gujaf-88	170	2	central	central	PROPN
gujaf-88	170	3	bank	bank	PROPN
gujaf-88	170	4	of	of	ADP
gujaf-88	170	5	nigeria	nigeria	PROPN
gujaf-88	170	6	(	(	PUNCT
gujaf-88	170	7	cbn	cbn	PROPN
gujaf-88	170	8	)	)	PUNCT
gujaf-88	170	9	,	,	PUNCT
gujaf-88	170	10	(	(	PUNCT
gujaf-88	170	11	2019	2019	NUM
gujaf-88	170	12	)	)	PUNCT
gujaf-88	170	13	.	.	PUNCT
gujaf-88	171	1	monetary	monetary	ADJ
gujaf-88	171	2	policy	policy	NOUN
gujaf-88	171	3	circular	circular	NOUN
gujaf-88	171	4	.	.	PUNCT
gujaf-88	172	1	central	central	ADJ
gujaf-88	172	2	bank	bank	PROPN
gujaf-88	172	3	of	of	ADP
gujaf-88	172	4	nigeria	nigeria	PROPN
gujaf-88	172	5	,	,	PUNCT
gujaf-88	172	6	(	(	PUNCT
gujaf-88	172	7	cbn	cbn	PROPN
gujaf-88	172	8	)	)	PUNCT
gujaf-88	172	9	,	,	PUNCT
gujaf-88	172	10	(	(	PUNCT
gujaf-88	172	11	2017	2017	NUM
gujaf-88	172	12	)	)	PUNCT
gujaf-88	172	13	,	,	PUNCT
gujaf-88	172	14	financial	financial	ADJ
gujaf-88	172	15	stability	stability	NOUN
gujaf-88	172	16	report	report	NOUN
gujaf-88	172	17	.	.	PUNCT
gujaf-88	173	1	http://www.cbn.gov.ng/out/2017/fprd/fsr%20june%202017.pdf	http://www.cbn.gov.ng/out/2017/fprd/fsr%20june%202017.pdf	PROPN
gujaf-88	173	2	chege	chege	PROPN
gujaf-88	173	3	,	,	PUNCT
gujaf-88	173	4	m.	m.	NOUN
gujaf-88	173	5	(	(	PUNCT
gujaf-88	173	6	2014	2014	NUM
gujaf-88	173	7	)	)	PUNCT
gujaf-88	173	8	.	.	PUNCT
gujaf-88	174	1	effect	effect	NOUN
gujaf-88	174	2	of	of	ADP
gujaf-88	174	3	interest	interest	NOUN
gujaf-88	174	4	rates	rate	NOUN
gujaf-88	174	5	on	on	ADP
gujaf-88	174	6	non	non	ADJ
gujaf-88	174	7	-	-	ADJ
gujaf-88	174	8	performing	performing	ADJ
gujaf-88	174	9	loans	loan	NOUN
gujaf-88	174	10	in	in	ADP
gujaf-88	174	11	commercial	commercial	ADJ
gujaf-88	174	12	banks	bank	NOUN
gujaf-88	174	13	in	in	ADP
gujaf-88	174	14	kenya	kenya	PROPN
gujaf-88	174	15	.	.	PUNCT
gujaf-88	175	1	unpublished	unpublished	ADJ
gujaf-88	175	2	masters	master	NOUN
gujaf-88	175	3	.	.	PUNCT
gujaf-88	176	1	university	university	PROPN
gujaf-88	176	2	of	of	ADP
gujaf-88	176	3	nairobi	nairobi	PROPN
gujaf-88	176	4	.	.	PUNCT
gujaf-88	177	1	el	el	PROPN
gujaf-88	177	2	-	-	PROPN
gujaf-88	177	3	maude	maude	PROPN
gujaf-88	177	4	,	,	PUNCT
gujaf-88	177	5	j.	j.	PROPN
gujaf-88	177	6	g.	g.	PROPN
gujaf-88	177	7	,	,	PUNCT
gujaf-88	177	8	abdul	abdul	PROPN
gujaf-88	177	9	-	-	PUNCT
gujaf-88	177	10	rehman	rehman	PROPN
gujaf-88	177	11	,	,	PUNCT
gujaf-88	177	12	a.	a.	PROPN
gujaf-88	177	13	,	,	PUNCT
gujaf-88	177	14	&	&	CCONJ
gujaf-88	177	15	ibrahim	ibrahim	PROPN
gujaf-88	177	16	,	,	PUNCT
gujaf-88	177	17	m.	m.	NOUN
gujaf-88	177	18	(	(	PUNCT
gujaf-88	177	19	2017	2017	NUM
gujaf-88	177	20	)	)	PUNCT
gujaf-88	177	21	.	.	PUNCT
gujaf-88	178	1	determinants	determinant	NOUN
gujaf-88	178	2	of	of	ADP
gujaf-88	178	3	non	non	ADJ
gujaf-88	178	4	-	-	ADJ
gujaf-88	178	5	performing	performing	ADJ
gujaf-88	178	6	loans	loan	NOUN
gujaf-88	178	7	in	in	ADP
gujaf-88	178	8	nigeria	nigeria	PROPN
gujaf-88	178	9	’s	’s	PART
gujaf-88	178	10	deposit	deposit	PROPN
gujaf-88	178	11	money	money	NOUN
gujaf-88	178	12	bank	bank	NOUN
gujaf-88	178	13	.	.	PUNCT
gujaf-88	179	1	archives	archive	NOUN
gujaf-88	179	2	of	of	ADP
gujaf-88	179	3	business	business	NOUN
gujaf-88	179	4	research	research	NOUN
gujaf-88	179	5	,	,	PUNCT
gujaf-88	179	6	5(1	5(1	NUM
gujaf-88	179	7	)	)	PUNCT
gujaf-88	179	8	,	,	PUNCT
gujaf-88	179	9	74	74	NUM
gujaf-88	179	10	-	-	SYM
gujaf-88	179	11	88	88	NUM
gujaf-88	179	12	.	.	PUNCT
gujaf-88	180	1	gezu	gezu	NOUN
gujaf-88	180	2	,	,	PUNCT
gujaf-88	180	3	g.	g.	PROPN
gujaf-88	180	4	(	(	PUNCT
gujaf-88	180	5	2014	2014	NUM
gujaf-88	180	6	)	)	PUNCT
gujaf-88	180	7	.	.	PUNCT
gujaf-88	181	1	determinants	determinant	NOUN
gujaf-88	181	2	of	of	ADP
gujaf-88	181	3	nonperforming	nonperforme	VERB
gujaf-88	181	4	loans	loan	NOUN
gujaf-88	181	5	:	:	PUNCT
gujaf-88	181	6	empirical	empirical	ADJ
gujaf-88	181	7	study	study	NOUN
gujaf-88	181	8	in	in	ADP
gujaf-88	181	9	case	case	NOUN
gujaf-88	181	10	of	of	ADP
gujaf-88	181	11	commercial	commercial	ADJ
gujaf-88	181	12	banks	bank	NOUN
gujaf-88	181	13	in	in	ADP
gujaf-88	181	14	ethiopia	ethiopia	PROPN
gujaf-88	181	15	(	(	PUNCT
gujaf-88	181	16	doctoral	doctoral	ADJ
gujaf-88	181	17	dissertation	dissertation	NOUN
gujaf-88	181	18	)	)	PUNCT
gujaf-88	181	19	.	.	PUNCT
gujaf-88	182	1	greene	greene	PROPN
gujaf-88	182	2	,	,	PUNCT
gujaf-88	182	3	w.	w.	PROPN
gujaf-88	182	4	(	(	PUNCT
gujaf-88	182	5	2009	2009	NUM
gujaf-88	182	6	)	)	PUNCT
gujaf-88	182	7	.	.	PUNCT
gujaf-88	183	1	discrete	discrete	ADJ
gujaf-88	183	2	choice	choice	NOUN
gujaf-88	183	3	modeling	modeling	NOUN
gujaf-88	183	4	.	.	PUNCT
gujaf-88	184	1	in	in	ADP
gujaf-88	184	2	palgrave	palgrave	PROPN
gujaf-88	184	3	handbook	handbook	NOUN
gujaf-88	184	4	of	of	ADP
gujaf-88	184	5	econometrics	econometric	NOUN
gujaf-88	184	6	(	(	PUNCT
gujaf-88	184	7	pp	pp	ADJ
gujaf-88	184	8	.	.	PUNCT
gujaf-88	185	1	473	473	NUM
gujaf-88	185	2	-	-	NUM
gujaf-88	185	3	556	556	NUM
gujaf-88	185	4	)	)	PUNCT
gujaf-88	185	5	.	.	PUNCT
gujaf-88	186	1	palgrave	palgrave	PROPN
gujaf-88	186	2	macmillan	macmillan	PROPN
gujaf-88	186	3	,	,	PUNCT
gujaf-88	186	4	london	london	PROPN
gujaf-88	186	5	.	.	PUNCT
gujaf-88	187	1	gujarati	gujarati	PROPN
gujaf-88	187	2	,	,	PUNCT
gujaf-88	187	3	d.	d.	PROPN
gujaf-88	187	4	n.	n.	PROPN
gujaf-88	187	5	,	,	PUNCT
gujaf-88	187	6	&	&	CCONJ
gujaf-88	187	7	porter	porter	PROPN
gujaf-88	187	8	,	,	PUNCT
gujaf-88	187	9	d.	d.	PROPN
gujaf-88	187	10	(	(	PUNCT
gujaf-88	187	11	2009	2009	NUM
gujaf-88	187	12	)	)	PUNCT
gujaf-88	187	13	.	.	PUNCT
gujaf-88	188	1	basic	basic	ADJ
gujaf-88	188	2	econometrics	econometric	NOUN
gujaf-88	188	3	mc	mc	PROPN
gujaf-88	188	4	graw	graw	PROPN
gujaf-88	188	5	-	-	PUNCT
gujaf-88	188	6	hill	hill	NOUN
gujaf-88	188	7	international	international	PROPN
gujaf-88	188	8	edition	edition	PROPN
gujaf-88	188	9	.	.	PUNCT
gujaf-88	189	1	idris	idris	PROPN
gujaf-88	189	2	,	,	PUNCT
gujaf-88	189	3	i.	i.	PROPN
gujaf-88	189	4	t.	t.	PROPN
gujaf-88	189	5	,	,	PUNCT
gujaf-88	189	6	&	&	CCONJ
gujaf-88	189	7	nayan	nayan	PROPN
gujaf-88	189	8	,	,	PUNCT
gujaf-88	189	9	s.	s.	PROPN
gujaf-88	189	10	(	(	PUNCT
gujaf-88	189	11	2016	2016	NUM
gujaf-88	189	12	)	)	PUNCT
gujaf-88	189	13	.	.	PUNCT
gujaf-88	190	1	the	the	DET
gujaf-88	190	2	joint	joint	ADJ
gujaf-88	190	3	effects	effect	NOUN
gujaf-88	190	4	of	of	ADP
gujaf-88	190	5	oil	oil	NOUN
gujaf-88	190	6	price	price	NOUN
gujaf-88	190	7	volatility	volatility	NOUN
gujaf-88	190	8	and	and	CCONJ
gujaf-88	190	9	environmental	environmental	ADJ
gujaf-88	190	10	risks	risk	NOUN
gujaf-88	190	11	on	on	ADP
gujaf-88	190	12	non	non	ADJ
gujaf-88	190	13	-	-	ADJ
gujaf-88	190	14	performing	performing	ADJ
gujaf-88	190	15	loans	loan	NOUN
gujaf-88	190	16	:	:	PUNCT
gujaf-88	190	17	evidence	evidence	NOUN
gujaf-88	190	18	from	from	ADP
gujaf-88	190	19	panel	panel	NOUN
gujaf-88	190	20	data	datum	NOUN
gujaf-88	190	21	of	of	ADP
gujaf-88	190	22	organisation	organisation	NOUN
gujaf-88	190	23	of	of	ADP
gujaf-88	190	24	the	the	DET
gujaf-88	190	25	petroleum	petroleum	NOUN
gujaf-88	190	26	exporting	export	VERB
gujaf-88	190	27	countries	country	NOUN
gujaf-88	190	28	.	.	PUNCT
gujaf-88	191	1	international	international	ADJ
gujaf-88	191	2	journal	journal	PROPN
gujaf-88	191	3	of	of	ADP
gujaf-88	191	4	energy	energy	NOUN
gujaf-88	191	5	economics	economic	NOUN
gujaf-88	191	6	and	and	CCONJ
gujaf-88	191	7	policy	policy	NOUN
gujaf-88	191	8	,	,	PUNCT
gujaf-88	191	9	6(3	6(3	NUM
gujaf-88	191	10	)	)	PUNCT
gujaf-88	191	11	,	,	PUNCT
gujaf-88	191	12	522	522	NUM
gujaf-88	191	13	-	-	SYM
gujaf-88	191	14	528	528	NUM
gujaf-88	191	15	.	.	PUNCT
gujaf-88	192	1	http://punchng.com/	http://punchng.com/	PROPN
gujaf-88	192	2	http://www.cbn.gov.ng/out/2020/fprd/fsr%20december%202020.pdf	http://www.cbn.gov.ng/out/2020/fprd/fsr%20december%202020.pdf	PROPN
gujaf-88	192	3	http://www.cbn.gov.ng/out/2017/fprd/fsr%20june%202017.pdf	http://www.cbn.gov.ng/out/2017/fprd/fsr%20june%202017.pdf	PROPN
gujaf-88	192	4	10	10	NUM
gujaf-88	192	5	islam	islam	PROPN
gujaf-88	192	6	,	,	PUNCT
gujaf-88	192	7	m.	m.	PROPN
gujaf-88	192	8	z.	z.	PROPN
gujaf-88	192	9	,	,	PUNCT
gujaf-88	192	10	&	&	CCONJ
gujaf-88	192	11	islam	islam	PROPN
gujaf-88	192	12	,	,	PUNCT
gujaf-88	192	13	m.	m.	PROPN
gujaf-88	192	14	s.	s.	PROPN
gujaf-88	192	15	(	(	PUNCT
gujaf-88	192	16	2018	2018	NUM
gujaf-88	192	17	)	)	PUNCT
gujaf-88	192	18	.	.	PUNCT
gujaf-88	193	1	non	non	ADJ
gujaf-88	193	2	-	-	ADJ
gujaf-88	193	3	performing	performing	ADJ
gujaf-88	193	4	loan	loan	NOUN
gujaf-88	193	5	as	as	ADP
gujaf-88	193	6	eroding	eroding	ADJ
gujaf-88	193	7	factor	factor	NOUN
gujaf-88	193	8	of	of	ADP
gujaf-88	193	9	capital	capital	NOUN
gujaf-88	193	10	adequacy	adequacy	NOUN
gujaf-88	193	11	:	:	PUNCT
gujaf-88	193	12	evidence	evidence	NOUN
gujaf-88	193	13	from	from	ADP
gujaf-88	193	14	banking	bank	VERB
gujaf-88	193	15	industry	industry	NOUN
gujaf-88	193	16	in	in	ADP
gujaf-88	193	17	bangladesh	bangladesh	NOUN
gujaf-88	193	18	.	.	PUNCT
gujaf-88	194	1	romanian	romanian	ADJ
gujaf-88	194	2	economic	economic	ADJ
gujaf-88	194	3	and	and	CCONJ
gujaf-88	194	4	business	business	NOUN
gujaf-88	194	5	review	review	NOUN
gujaf-88	194	6	,	,	PUNCT
gujaf-88	194	7	13(2	13(2	PROPN
gujaf-88	194	8	)	)	PUNCT
gujaf-88	194	9	,	,	PUNCT
gujaf-88	194	10	15	15	NUM
gujaf-88	194	11	-	-	SYM
gujaf-88	194	12	21	21	NUM
gujaf-88	194	13	.	.	PUNCT
gujaf-88	195	1	jimenez	jimenez	PROPN
gujaf-88	195	2	,	,	PUNCT
gujaf-88	195	3	g.	g.	PROPN
gujaf-88	195	4	,	,	PUNCT
gujaf-88	195	5	&	&	CCONJ
gujaf-88	195	6	saurina	saurina	PROPN
gujaf-88	195	7	,	,	PUNCT
gujaf-88	195	8	j.	j.	PROPN
gujaf-88	195	9	(	(	PUNCT
gujaf-88	195	10	2006	2006	NUM
gujaf-88	195	11	)	)	PUNCT
gujaf-88	195	12	.	.	PUNCT
gujaf-88	196	1	credit	credit	NOUN
gujaf-88	196	2	cycles	cycle	NOUN
gujaf-88	196	3	,	,	PUNCT
gujaf-88	196	4	credit	credit	NOUN
gujaf-88	196	5	risk	risk	NOUN
gujaf-88	196	6	,	,	PUNCT
gujaf-88	196	7	and	and	CCONJ
gujaf-88	196	8	prudential	prudential	ADJ
gujaf-88	196	9	regulation	regulation	NOUN
gujaf-88	196	10	.	.	PUNCT
gujaf-88	197	1	international	international	ADJ
gujaf-88	197	2	journal	journal	PROPN
gujaf-88	197	3	of	of	ADP
gujaf-88	197	4	central	central	ADJ
gujaf-88	197	5	banking	banking	NOUN
gujaf-88	197	6	,	,	PUNCT
gujaf-88	197	7	2(1	2(1	NUM
gujaf-88	197	8	)	)	PUNCT
gujaf-88	197	9	,	,	PUNCT
gujaf-88	197	10	65	65	NUM
gujaf-88	197	11	-	-	SYM
gujaf-88	197	12	98	98	NUM
gujaf-88	197	13	.	.	PUNCT
gujaf-88	198	1	keeton	keeton	PROPN
gujaf-88	198	2	,	,	PUNCT
gujaf-88	198	3	w.	w.	PROPN
gujaf-88	198	4	r.	r.	PROPN
gujaf-88	198	5	,	,	PUNCT
gujaf-88	198	6	&	&	CCONJ
gujaf-88	198	7	morris	morris	PROPN
gujaf-88	198	8	,	,	PUNCT
gujaf-88	198	9	c.	c.	PROPN
gujaf-88	198	10	s.	s.	PROPN
gujaf-88	198	11	(	(	PUNCT
gujaf-88	198	12	1987	1987	NUM
gujaf-88	198	13	)	)	PUNCT
gujaf-88	198	14	.	.	PUNCT
gujaf-88	199	1	why	why	SCONJ
gujaf-88	199	2	do	do	AUX
gujaf-88	199	3	banks	bank	NOUN
gujaf-88	199	4	’	’	PART
gujaf-88	199	5	loan	loan	NOUN
gujaf-88	199	6	losses	loss	NOUN
gujaf-88	199	7	differ	differ	VERB
gujaf-88	199	8	.	.	PUNCT
gujaf-88	200	1	economic	economic	ADJ
gujaf-88	200	2	review	review	NOUN
gujaf-88	200	3	,	,	PUNCT
gujaf-88	200	4	72(5	72(5	NOUN
gujaf-88	200	5	)	)	PUNCT
gujaf-88	200	6	,	,	PUNCT
gujaf-88	200	7	3	3	NUM
gujaf-88	200	8	-	-	SYM
gujaf-88	200	9	21	21	NUM
gujaf-88	200	10	.	.	PUNCT
gujaf-88	201	1	khan	khan	PROPN
gujaf-88	201	2	,	,	PUNCT
gujaf-88	201	3	i.	i.	PROPN
gujaf-88	201	4	,	,	PUNCT
gujaf-88	201	5	&	&	CCONJ
gujaf-88	201	6	ahmad	ahmad	PROPN
gujaf-88	201	7	,	,	PUNCT
gujaf-88	201	8	a.	a.	NOUN
gujaf-88	201	9	(	(	PUNCT
gujaf-88	201	10	2017	2017	NUM
gujaf-88	201	11	)	)	PUNCT
gujaf-88	201	12	.	.	PUNCT
gujaf-88	202	1	assessing	assess	VERB
gujaf-88	202	2	banks	bank	NOUN
gujaf-88	202	3	internal	internal	ADJ
gujaf-88	202	4	factors	factor	NOUN
gujaf-88	202	5	as	as	ADP
gujaf-88	202	6	determinants	determinant	NOUN
gujaf-88	202	7	of	of	ADP
gujaf-88	202	8	non	non	ADJ
gujaf-88	202	9	-	-	ADJ
gujaf-88	202	10	performing	performing	ADJ
gujaf-88	202	11	loans	loan	NOUN
gujaf-88	202	12	:	:	PUNCT
gujaf-88	202	13	evidence	evidence	NOUN
gujaf-88	202	14	from	from	ADP
gujaf-88	202	15	pakistani	pakistani	ADJ
gujaf-88	202	16	commercial	commercial	ADJ
gujaf-88	202	17	banks	bank	NOUN
gujaf-88	202	18	.	.	PUNCT
gujaf-88	203	1	journal	journal	PROPN
gujaf-88	203	2	of	of	ADP
gujaf-88	203	3	managerial	managerial	ADJ
gujaf-88	203	4	sciences	science	NOUN
gujaf-88	203	5	,	,	PUNCT
gujaf-88	203	6	11(1	11(1	NUM
gujaf-88	203	7	)	)	PUNCT
gujaf-88	203	8	.	.	PUNCT
gujaf-88	204	1	khemraj	khemraj	ADJ
gujaf-88	204	2	,	,	PUNCT
gujaf-88	204	3	t.	t.	PROPN
gujaf-88	204	4	,	,	PUNCT
gujaf-88	204	5	&	&	CCONJ
gujaf-88	204	6	pasha	pasha	PROPN
gujaf-88	204	7	,	,	PUNCT
gujaf-88	204	8	s.	s.	PROPN
gujaf-88	204	9	(	(	PUNCT
gujaf-88	204	10	2016	2016	NUM
gujaf-88	204	11	)	)	PUNCT
gujaf-88	204	12	.	.	PUNCT
gujaf-88	205	1	determinants	determinant	NOUN
gujaf-88	205	2	of	of	ADP
gujaf-88	205	3	nonperforming	nonperforme	VERB
gujaf-88	205	4	loans	loan	NOUN
gujaf-88	205	5	in	in	ADP
gujaf-88	205	6	guyana	guyana	PROPN
gujaf-88	205	7	.	.	PUNCT
gujaf-88	206	1	in	in	ADP
gujaf-88	206	2	financial	financial	ADJ
gujaf-88	206	3	deepening	deepening	NOUN
gujaf-88	206	4	and	and	CCONJ
gujaf-88	206	5	post	post	ADJ
gujaf-88	206	6	-	-	ADJ
gujaf-88	206	7	crisis	crisis	ADJ
gujaf-88	206	8	development	development	NOUN
gujaf-88	206	9	in	in	ADP
gujaf-88	206	10	emerging	emerge	VERB
gujaf-88	206	11	markets	market	NOUN
gujaf-88	206	12	(	(	PUNCT
gujaf-88	206	13	pp	pp	ADJ
gujaf-88	206	14	.	.	PUNCT
gujaf-88	206	15	169	169	NUM
gujaf-88	206	16	-	-	SYM
gujaf-88	206	17	187	187	NUM
gujaf-88	206	18	)	)	PUNCT
gujaf-88	206	19	.	.	PUNCT
gujaf-88	207	1	palgrave	palgrave	PROPN
gujaf-88	207	2	macmillan	macmillan	PROPN
gujaf-88	207	3	,	,	PUNCT
gujaf-88	207	4	new	new	PROPN
gujaf-88	207	5	york	york	PROPN
gujaf-88	207	6	.	.	PUNCT
gujaf-88	208	1	kothari	kothari	PROPN
gujaf-88	208	2	,	,	PUNCT
gujaf-88	208	3	c.	c.	PROPN
gujaf-88	208	4	r.	r.	PROPN
gujaf-88	208	5	,	,	PUNCT
gujaf-88	208	6	&	&	CCONJ
gujaf-88	208	7	garg	garg	PROPN
gujaf-88	208	8	,	,	PUNCT
gujaf-88	208	9	g.	g.	PROPN
gujaf-88	208	10	(	(	PUNCT
gujaf-88	208	11	2014	2014	NUM
gujaf-88	208	12	)	)	PUNCT
gujaf-88	208	13	.	.	PUNCT
gujaf-88	209	1	research	research	NOUN
gujaf-88	209	2	methodolgy	methodolgy	NOUN
gujaf-88	209	3	;	;	PUNCT
gujaf-88	209	4	methods	method	NOUN
gujaf-88	209	5	and	and	CCONJ
gujaf-88	209	6	techniques	technique	NOUN
gujaf-88	209	7	(	(	PUNCT
gujaf-88	209	8	3rd	3rd	ADJ
gujaf-88	209	9	ed	ed	NOUN
gujaf-88	209	10	.	.	PUNCT
gujaf-88	209	11	)	)	PUNCT
gujaf-88	209	12	.	.	PUNCT
gujaf-88	210	1	kothari	kothari	PROPN
gujaf-88	210	2	,	,	PUNCT
gujaf-88	210	3	c.	c.	PROPN
gujaf-88	210	4	r.	r.	PROPN
gujaf-88	210	5	(	(	PUNCT
gujaf-88	210	6	2004	2004	NUM
gujaf-88	210	7	)	)	PUNCT
gujaf-88	210	8	.	.	PUNCT
gujaf-88	211	1	research	research	NOUN
gujaf-88	211	2	methodology	methodology	NOUN
gujaf-88	211	3	:	:	PUNCT
gujaf-88	211	4	methods	method	NOUN
gujaf-88	211	5	and	and	CCONJ
gujaf-88	211	6	techniques	technique	NOUN
gujaf-88	211	7	.	.	PUNCT
gujaf-88	212	1	new	new	ADJ
gujaf-88	212	2	age	age	PROPN
gujaf-88	212	3	international	international	PROPN
gujaf-88	212	4	.	.	PUNCT
gujaf-88	213	1	levin	levin	PROPN
gujaf-88	213	2	,	,	PUNCT
gujaf-88	213	3	a.	a.	PROPN
gujaf-88	213	4	,	,	PUNCT
gujaf-88	213	5	lin	lin	PROPN
gujaf-88	213	6	,	,	PUNCT
gujaf-88	213	7	c.	c.	PROPN
gujaf-88	213	8	f.	f.	PROPN
gujaf-88	213	9	,	,	PUNCT
gujaf-88	213	10	&	&	CCONJ
gujaf-88	213	11	chu	chu	PROPN
gujaf-88	213	12	,	,	PUNCT
gujaf-88	213	13	c.	c.	PROPN
gujaf-88	213	14	s.	s.	PROPN
gujaf-88	213	15	j.	j.	PROPN
gujaf-88	213	16	(	(	PUNCT
gujaf-88	213	17	2002	2002	NUM
gujaf-88	213	18	)	)	PUNCT
gujaf-88	213	19	.	.	PUNCT
gujaf-88	214	1	unit	unit	NOUN
gujaf-88	214	2	root	root	NOUN
gujaf-88	214	3	tests	test	NOUN
gujaf-88	214	4	in	in	ADP
gujaf-88	214	5	panel	panel	NOUN
gujaf-88	214	6	data	datum	NOUN
gujaf-88	214	7	:	:	PUNCT
gujaf-88	214	8	asymptotic	asymptotic	ADJ
gujaf-88	214	9	and	and	CCONJ
gujaf-88	214	10	finite	finite	ADJ
gujaf-88	214	11	-	-	PUNCT
gujaf-88	214	12	sample	sample	NOUN
gujaf-88	214	13	properties	property	NOUN
gujaf-88	214	14	.	.	PUNCT
gujaf-88	215	1	journal	journal	PROPN
gujaf-88	215	2	of	of	ADP
gujaf-88	215	3	econometrics	econometric	NOUN
gujaf-88	215	4	,	,	PUNCT
gujaf-88	215	5	108(1	108(1	NUM
gujaf-88	215	6	)	)	PUNCT
gujaf-88	215	7	,	,	PUNCT
gujaf-88	215	8	1	1	NUM
gujaf-88	215	9	-	-	SYM
gujaf-88	215	10	24	24	NUM
gujaf-88	215	11	.	.	PUNCT
gujaf-88	216	1	mondal	mondal	PROPN
gujaf-88	216	2	,	,	PUNCT
gujaf-88	216	3	t.	t.	PROPN
gujaf-88	216	4	(	(	PUNCT
gujaf-88	216	5	2016	2016	NUM
gujaf-88	216	6	)	)	PUNCT
gujaf-88	216	7	.	.	PUNCT
gujaf-88	217	1	sensitivity	sensitivity	NOUN
gujaf-88	217	2	of	of	ADP
gujaf-88	217	3	non	non	ADJ
gujaf-88	217	4	-	-	ADJ
gujaf-88	217	5	performing	performing	ADJ
gujaf-88	217	6	loan	loan	NOUN
gujaf-88	217	7	to	to	ADP
gujaf-88	217	8	macroeconomic	macroeconomic	ADJ
gujaf-88	217	9	variables	variable	NOUN
gujaf-88	217	10	:	:	PUNCT
gujaf-88	217	11	empirical	empirical	ADJ
gujaf-88	217	12	evidence	evidence	NOUN
gujaf-88	217	13	from	from	ADP
gujaf-88	217	14	banking	banking	NOUN
gujaf-88	217	15	industry	industry	NOUN
gujaf-88	217	16	of	of	ADP
gujaf-88	217	17	bangladesh	bangladesh	PROPN
gujaf-88	217	18	.	.	PUNCT
gujaf-88	218	1	global	global	ADJ
gujaf-88	218	2	journal	journal	PROPN
gujaf-88	218	3	of	of	ADP
gujaf-88	218	4	management	management	NOUN
gujaf-88	218	5	and	and	CCONJ
gujaf-88	218	6	business	business	NOUN
gujaf-88	218	7	research	research	NOUN
gujaf-88	218	8	.	.	PUNCT
gujaf-88	219	1	munialo	munialo	PROPN
gujaf-88	219	2	,	,	PUNCT
gujaf-88	219	3	a.	a.	PROPN
gujaf-88	219	4	j.	j.	PROPN
gujaf-88	219	5	l.	l.	PROPN
gujaf-88	219	6	(	(	PUNCT
gujaf-88	219	7	2014	2014	NUM
gujaf-88	219	8	)	)	PUNCT
gujaf-88	219	9	.	.	PUNCT
gujaf-88	220	1	the	the	DET
gujaf-88	220	2	relationship	relationship	NOUN
gujaf-88	220	3	between	between	ADP
gujaf-88	220	4	lending	lending	NOUN
gujaf-88	220	5	rate	rate	NOUN
gujaf-88	220	6	and	and	CCONJ
gujaf-88	220	7	nonperforming	nonperforme	VERB
gujaf-88	220	8	loans	loan	NOUN
gujaf-88	220	9	in	in	ADP
gujaf-88	220	10	commercial	commercial	ADJ
gujaf-88	220	11	banks	bank	NOUN
gujaf-88	220	12	in	in	ADP
gujaf-88	220	13	kenya	kenya	PROPN
gujaf-88	220	14	.	.	PUNCT
gujaf-88	221	1	national	national	PROPN
gujaf-88	221	2	bureau	bureau	PROPN
gujaf-88	221	3	of	of	ADP
gujaf-88	221	4	statistics	statistic	NOUN
gujaf-88	221	5	(	(	PUNCT
gujaf-88	221	6	nbs	nbs	PROPN
gujaf-88	221	7	)	)	PUNCT
gujaf-88	221	8	(	(	PUNCT
gujaf-88	221	9	2019	2019	NUM
gujaf-88	221	10	)	)	PUNCT
gujaf-88	221	11	.	.	PUNCT
gujaf-88	222	1	quarterly	quarterly	ADJ
gujaf-88	222	2	report	report	NOUN
gujaf-88	222	3	.	.	PUNCT
gujaf-88	223	1	ofori	ofori	ADJ
gujaf-88	223	2	-	-	PUNCT
gujaf-88	223	3	abebrese	abebrese	ADJ
gujaf-88	223	4	,	,	PUNCT
gujaf-88	223	5	g.	g.	PROPN
gujaf-88	223	6	,	,	PUNCT
gujaf-88	223	7	pickson	pickson	PROPN
gujaf-88	223	8	,	,	PUNCT
gujaf-88	223	9	r.	r.	PROPN
gujaf-88	223	10	b.	b.	PROPN
gujaf-88	223	11	,	,	PUNCT
gujaf-88	223	12	&	&	CCONJ
gujaf-88	223	13	opare	opare	PROPN
gujaf-88	223	14	,	,	PUNCT
gujaf-88	223	15	e.	e.	PROPN
gujaf-88	223	16	(	(	PUNCT
gujaf-88	223	17	2016	2016	NUM
gujaf-88	223	18	)	)	PUNCT
gujaf-88	223	19	.	.	PUNCT
gujaf-88	224	1	the	the	DET
gujaf-88	224	2	effect	effect	NOUN
gujaf-88	224	3	of	of	ADP
gujaf-88	224	4	bank	bank	NOUN
gujaf-88	224	5	specific	specific	ADJ
gujaf-88	224	6	factors	factor	NOUN
gujaf-88	224	7	on	on	ADP
gujaf-88	224	8	loan	loan	NOUN
gujaf-88	224	9	performance	performance	NOUN
gujaf-88	224	10	of	of	ADP
gujaf-88	224	11	hfc	hfc	PROPN
gujaf-88	224	12	bank	bank	PROPN
gujaf-88	224	13	in	in	ADP
gujaf-88	224	14	ghana	ghana	PROPN
gujaf-88	224	15	.	.	PUNCT
gujaf-88	225	1	osuma	osuma	PROPN
gujaf-88	225	2	,	,	PUNCT
gujaf-88	225	3	g.	g.	PROPN
gujaf-88	225	4	o.	o.	PROPN
gujaf-88	225	5	,	,	PUNCT
gujaf-88	225	6	babajide	babajide	ADJ
gujaf-88	225	7	,	,	PUNCT
gujaf-88	225	8	a.	a.	NOUN
gujaf-88	225	9	a.	a.	PROPN
gujaf-88	225	10	,	,	PUNCT
gujaf-88	225	11	ikpefan	ikpefan	PROPN
gujaf-88	225	12	,	,	PUNCT
gujaf-88	225	13	o.	o.	PROPN
gujaf-88	225	14	a.	a.	PROPN
gujaf-88	225	15	,	,	PUNCT
gujaf-88	225	16	nwuba	nwuba	VERB
gujaf-88	225	17	,	,	PUNCT
gujaf-88	225	18	e.	e.	PROPN
gujaf-88	225	19	b.	b.	PROPN
gujaf-88	225	20	,	,	PUNCT
gujaf-88	225	21	&	&	CCONJ
gujaf-88	225	22	jegede	jegede	NOUN
gujaf-88	225	23	,	,	PUNCT
gujaf-88	225	24	p.	p.	NOUN
gujaf-88	225	25	w.	w.	PROPN
gujaf-88	225	26	(	(	PUNCT
gujaf-88	225	27	2019	2019	NUM
gujaf-88	225	28	)	)	PUNCT
gujaf-88	225	29	.	.	PUNCT
gujaf-88	226	1	effects	effect	NOUN
gujaf-88	226	2	of	of	ADP
gujaf-88	226	3	global	global	ADJ
gujaf-88	226	4	decline	decline	NOUN
gujaf-88	226	5	in	in	ADP
gujaf-88	226	6	oil	oil	NOUN
gujaf-88	226	7	price	price	NOUN
gujaf-88	226	8	on	on	ADP
gujaf-88	226	9	the	the	DET
gujaf-88	226	10	financial	financial	ADJ
gujaf-88	226	11	performance	performance	NOUN
gujaf-88	226	12	of	of	ADP
gujaf-88	226	13	selected	select	VERB
gujaf-88	226	14	deposit	deposit	NOUN
gujaf-88	226	15	money	money	NOUN
gujaf-88	226	16	banks	bank	NOUN
gujaf-88	226	17	in	in	ADP
gujaf-88	226	18	nigeria	nigeria	PROPN
gujaf-88	226	19	.	.	PUNCT
gujaf-88	227	1	international	international	ADJ
gujaf-88	227	2	journal	journal	PROPN
gujaf-88	227	3	of	of	ADP
gujaf-88	227	4	energy	energy	NOUN
gujaf-88	227	5	economics	economic	NOUN
gujaf-88	227	6	and	and	CCONJ
gujaf-88	227	7	policy	policy	NOUN
gujaf-88	227	8	,	,	PUNCT
gujaf-88	227	9	9(3	9(3	NUM
gujaf-88	227	10	)	)	PUNCT
gujaf-88	227	11	,	,	PUNCT
gujaf-88	227	12	187	187	NUM
gujaf-88	227	13	-	-	SYM
gujaf-88	227	14	195	195	NUM
gujaf-88	227	15	.	.	PUNCT
gujaf-88	228	1	popoola	popoola	PROPN
gujaf-88	228	2	,	,	PUNCT
gujaf-88	228	3	n.	n.	PROPN
gujaf-88	228	4	(	(	PUNCT
gujaf-88	228	5	2021	2021	NUM
gujaf-88	228	6	,	,	PUNCT
gujaf-88	228	7	feb.2	feb.2	PROPN
gujaf-88	228	8	)	)	PUNCT
gujaf-88	228	9	bank	bank	NOUN
gujaf-88	228	10	nonperforming	nonperforme	VERB
gujaf-88	228	11	loan	loan	NOUN
gujaf-88	228	12	on	on	ADP
gujaf-88	228	13	the	the	DET
gujaf-88	228	14	increase	increase	NOUN
gujaf-88	228	15	.	.	PUNCT
gujaf-88	229	1	punch	punch	VERB
gujaf-88	229	2	news	news	NOUN
gujaf-88	229	3	,	,	PUNCT
gujaf-88	229	4	nigeria	nigeria	PROPN
gujaf-88	229	5	.	.	PUNCT
gujaf-88	230	1	retrieve	retrieve	VERB
gujaf-88	230	2	from	from	ADP
gujaf-88	230	3	https://punchng.com/banks-non-performing-loans-rise-to-n1-5tn/	https://punchng.com/banks-non-performing-loans-rise-to-n1-5tn/	ADJ
gujaf-88	230	4	pullicino	pullicino	PROPN
gujaf-88	230	5	,	,	PUNCT
gujaf-88	230	6	k.	k.	PROPN
gujaf-88	230	7	(	(	PUNCT
gujaf-88	230	8	2016	2016	NUM
gujaf-88	230	9	)	)	PUNCT
gujaf-88	230	10	.	.	PUNCT
gujaf-88	231	1	impact	impact	NOUN
gujaf-88	231	2	of	of	ADP
gujaf-88	231	3	macroeconomic	macroeconomic	ADJ
gujaf-88	231	4	variables	variable	NOUN
gujaf-88	231	5	on	on	ADP
gujaf-88	231	6	non	non	ADJ
gujaf-88	231	7	-	-	ADJ
gujaf-88	231	8	performing	performing	ADJ
gujaf-88	231	9	loans	loan	NOUN
gujaf-88	231	10	:	:	PUNCT
gujaf-88	231	11	an	an	DET
gujaf-88	231	12	empirical	empirical	ADJ
gujaf-88	231	13	study	study	NOUN
gujaf-88	231	14	of	of	ADP
gujaf-88	231	15	commercial	commercial	ADJ
gujaf-88	231	16	banks	bank	NOUN
gujaf-88	231	17	in	in	ADP
gujaf-88	231	18	malta	malta	PROPN
gujaf-88	231	19	,	,	PUNCT
gujaf-88	231	20	italy	italy	PROPN
gujaf-88	231	21	,	,	PUNCT
gujaf-88	231	22	spain	spain	PROPN
gujaf-88	231	23	,	,	PUNCT
gujaf-88	231	24	france	france	PROPN
gujaf-88	231	25	and	and	CCONJ
gujaf-88	231	26	uk	uk	PROPN
gujaf-88	231	27	(	(	PUNCT
gujaf-88	231	28	bachelor	bachelor	NOUN
gujaf-88	231	29	's	's	PART
gujaf-88	231	30	thesis	thesis	NOUN
gujaf-88	231	31	,	,	PUNCT
gujaf-88	231	32	university	university	NOUN
gujaf-88	231	33	of	of	ADP
gujaf-88	231	34	malta	malta	PROPN
gujaf-88	231	35	)	)	PUNCT
gujaf-88	231	36	.	.	PUNCT
gujaf-88	232	1	rahman	rahman	PROPN
gujaf-88	232	2	,	,	PUNCT
gujaf-88	232	3	m.	m.	NOUN
gujaf-88	232	4	a.	a.	PROPN
gujaf-88	232	5	,	,	PUNCT
gujaf-88	232	6	asaduzzaman	asaduzzaman	NOUN
gujaf-88	232	7	,	,	PUNCT
gujaf-88	232	8	m.	m.	NOUN
gujaf-88	232	9	,	,	PUNCT
gujaf-88	232	10	&	&	CCONJ
gujaf-88	232	11	hossin	hossin	PROPN
gujaf-88	232	12	,	,	PUNCT
gujaf-88	232	13	m.	m.	PROPN
gujaf-88	232	14	s.	s.	PROPN
gujaf-88	232	15	(	(	PUNCT
gujaf-88	232	16	2017	2017	NUM
gujaf-88	232	17	)	)	PUNCT
gujaf-88	232	18	.	.	PUNCT
gujaf-88	233	1	impact	impact	NOUN
gujaf-88	233	2	of	of	ADP
gujaf-88	233	3	financial	financial	ADJ
gujaf-88	233	4	ratios	ratio	NOUN
gujaf-88	233	5	on	on	ADP
gujaf-88	233	6	non	non	ADJ
gujaf-88	233	7	-	-	ADJ
gujaf-88	233	8	performing	performing	ADJ
gujaf-88	233	9	loans	loan	NOUN
gujaf-88	233	10	of	of	ADP
gujaf-88	233	11	publicly	publicly	ADV
gujaf-88	233	12	traded	trade	VERB
gujaf-88	233	13	commercial	commercial	ADJ
gujaf-88	233	14	banks	bank	NOUN
gujaf-88	233	15	in	in	ADP
gujaf-88	233	16	bangladesh	bangladesh	PROPN
gujaf-88	233	17	.	.	PUNCT
gujaf-88	234	1	international	international	ADJ
gujaf-88	234	2	journal	journal	PROPN
gujaf-88	234	3	of	of	ADP
gujaf-88	234	4	financial	financial	ADJ
gujaf-88	234	5	research	research	NOUN
gujaf-88	234	6	,	,	PUNCT
gujaf-88	234	7	8(1	8(1	NOUN
gujaf-88	234	8	)	)	PUNCT
gujaf-88	234	9	,	,	PUNCT
gujaf-88	234	10	181	181	NUM
gujaf-88	234	11	.	.	PUNCT
gujaf-88	234	12	rajha	rajha	NOUN
gujaf-88	234	13	,	,	PUNCT
gujaf-88	234	14	k.	k.	PROPN
gujaf-88	234	15	s.	s.	PROPN
gujaf-88	234	16	(	(	PUNCT
gujaf-88	234	17	2016	2016	NUM
gujaf-88	234	18	)	)	PUNCT
gujaf-88	234	19	.	.	PUNCT
gujaf-88	235	1	determinants	determinant	NOUN
gujaf-88	235	2	of	of	ADP
gujaf-88	235	3	non	non	ADJ
gujaf-88	235	4	-	-	ADJ
gujaf-88	235	5	performing	performing	ADJ
gujaf-88	235	6	loans	loan	NOUN
gujaf-88	235	7	:	:	PUNCT
gujaf-88	235	8	evidence	evidence	NOUN
gujaf-88	235	9	from	from	ADP
gujaf-88	235	10	the	the	DET
gujaf-88	235	11	jordanian	jordanian	ADJ
gujaf-88	235	12	banking	banking	NOUN
gujaf-88	235	13	sector	sector	NOUN
gujaf-88	235	14	.	.	PUNCT
gujaf-88	236	1	journal	journal	NOUN
gujaf-88	236	2	of	of	ADP
gujaf-88	236	3	finance	finance	NOUN
gujaf-88	236	4	and	and	CCONJ
gujaf-88	236	5	bank	bank	NOUN
gujaf-88	236	6	management	management	NOUN
gujaf-88	236	7	,	,	PUNCT
gujaf-88	236	8	4(1	4(1	NOUN
gujaf-88	236	9	)	)	PUNCT
gujaf-88	236	10	,	,	PUNCT
gujaf-88	236	11	125	125	NUM
gujaf-88	236	12	-	-	SYM
gujaf-88	236	13	136	136	NUM
gujaf-88	236	14	.	.	PUNCT
gujaf-88	237	1	sinkey	sinkey	NOUN
gujaf-88	237	2	,	,	PUNCT
gujaf-88	237	3	j.	j.	PROPN
gujaf-88	237	4	f.	f.	PROPN
gujaf-88	237	5	,	,	PUNCT
gujaf-88	237	6	&	&	CCONJ
gujaf-88	237	7	greenawalt	greenawalt	PROPN
gujaf-88	237	8	,	,	PUNCT
gujaf-88	237	9	m.	m.	PROPN
gujaf-88	237	10	b.	b.	PROPN
gujaf-88	237	11	(	(	PUNCT
gujaf-88	237	12	1991	1991	NUM
gujaf-88	237	13	)	)	PUNCT
gujaf-88	237	14	.	.	PUNCT
gujaf-88	238	1	loan	loan	NOUN
gujaf-88	238	2	-	-	PUNCT
gujaf-88	238	3	loss	loss	NOUN
gujaf-88	238	4	experience	experience	NOUN
gujaf-88	238	5	and	and	CCONJ
gujaf-88	238	6	risk	risk	NOUN
gujaf-88	238	7	-	-	PUNCT
gujaf-88	238	8	taking	take	VERB
gujaf-88	238	9	behavior	behavior	NOUN
gujaf-88	238	10	at	at	ADP
gujaf-88	238	11	large	large	ADJ
gujaf-88	238	12	commercial	commercial	ADJ
gujaf-88	238	13	banks	bank	NOUN
gujaf-88	238	14	.	.	PUNCT
gujaf-88	239	1	journal	journal	PROPN
gujaf-88	239	2	of	of	ADP
gujaf-88	239	3	financial	financial	ADJ
gujaf-88	239	4	services	service	NOUN
gujaf-88	239	5	research	research	NOUN
gujaf-88	239	6	,	,	PUNCT
gujaf-88	239	7	5(1	5(1	NUM
gujaf-88	239	8	)	)	PUNCT
gujaf-88	239	9	,	,	PUNCT
gujaf-88	239	10	43	43	NUM
gujaf-88	239	11	-	-	SYM
gujaf-88	239	12	59	59	NUM
gujaf-88	239	13	.	.	PUNCT
gujaf-88	240	1	soegeng	soegeng	PROPN
gujaf-88	240	2	,	,	PUNCT
gujaf-88	240	3	f.	f.	PROPN
gujaf-88	240	4	x.	x.	PROPN
gujaf-88	240	5	,	,	PUNCT
gujaf-88	240	6	lusy	lusy	PROPN
gujaf-88	240	7	,	,	PUNCT
gujaf-88	240	8	l.	l.	PROPN
gujaf-88	240	9	,	,	PUNCT
gujaf-88	240	10	inggawati	inggawati	PROPN
gujaf-88	240	11	,	,	PUNCT
gujaf-88	240	12	v.	v.	PROPN
gujaf-88	240	13	r.	r.	PROPN
gujaf-88	240	14	,	,	PUNCT
gujaf-88	240	15	&	&	CCONJ
gujaf-88	240	16	oetomo	oetomo	PROPN
gujaf-88	240	17	,	,	PUNCT
gujaf-88	240	18	h.	h.	PROPN
gujaf-88	240	19	w.	w.	PROPN
gujaf-88	240	20	(	(	PUNCT
gujaf-88	240	21	2018	2018	NUM
gujaf-88	240	22	)	)	PUNCT
gujaf-88	240	23	.	.	PUNCT
gujaf-88	241	1	effect	effect	NOUN
gujaf-88	241	2	of	of	ADP
gujaf-88	241	3	loan	loan	NOUN
gujaf-88	241	4	to	to	PART
gujaf-88	241	5	deposit	deposit	NOUN
gujaf-88	241	6	ratio	ratio	NOUN
gujaf-88	241	7	(	(	PUNCT
gujaf-88	241	8	ldr	ldr	PROPN
gujaf-88	241	9	)	)	PUNCT
gujaf-88	241	10	,	,	PUNCT
gujaf-88	241	11	non	non	ADJ
gujaf-88	241	12	-	-	ADJ
gujaf-88	241	13	performing	performing	ADJ
gujaf-88	241	14	loan	loan	NOUN
gujaf-88	241	15	(	(	PUNCT
gujaf-88	241	16	npl	npl	NOUN
gujaf-88	241	17	)	)	PUNCT
gujaf-88	241	18	,	,	PUNCT
gujaf-88	241	19	net	net	ADJ
gujaf-88	241	20	interet	interet	NOUN
gujaf-88	241	21	margin	margin	NOUN
gujaf-88	241	22	(	(	PUNCT
gujaf-88	241	23	nim	nim	NOUN
gujaf-88	241	24	)	)	PUNCT
gujaf-88	241	25	on	on	ADP
gujaf-88	241	26	return	return	NOUN
gujaf-88	241	27	on	on	ADP
gujaf-88	241	28	assets	asset	NOUN
gujaf-88	241	29	(	(	PUNCT
gujaf-88	241	30	roa	roa	NOUN
gujaf-88	241	31	)	)	PUNCT
gujaf-88	241	32	with	with	ADP
gujaf-88	241	33	atm	atm	NOUN
gujaf-88	241	34	as	as	ADP
gujaf-88	241	35	moderation	moderation	NOUN
gujaf-88	241	36	variables	variable	NOUN
gujaf-88	241	37	.	.	PUNCT
gujaf-88	242	1	saudi	saudi	ADJ
gujaf-88	242	2	journal	journal	PROPN
gujaf-88	242	3	of	of	ADP
gujaf-88	242	4	economics	economic	NOUN
gujaf-88	242	5	and	and	CCONJ
gujaf-88	242	6	finance	finance	NOUN
gujaf-88	242	7	(	(	PUNCT
gujaf-88	242	8	sjef	sjef	NOUN
gujaf-88	242	9	)	)	PUNCT
gujaf-88	242	10	,	,	PUNCT
gujaf-88	242	11	2(5	2(5	NUM
gujaf-88	242	12	)	)	PUNCT
gujaf-88	242	13	,	,	PUNCT
gujaf-88	242	14	243250	243250	NUM
gujaf-88	242	15	.	.	PUNCT
gujaf-88	243	1	warue	warue	PROPN
gujaf-88	243	2	,	,	PUNCT
gujaf-88	243	3	b.	b.	PROPN
gujaf-88	243	4	n.	n.	PROPN
gujaf-88	243	5	(	(	PUNCT
gujaf-88	243	6	2013	2013	NUM
gujaf-88	243	7	)	)	PUNCT
gujaf-88	243	8	.	.	PUNCT
gujaf-88	244	1	the	the	DET
gujaf-88	244	2	effects	effect	NOUN
gujaf-88	244	3	of	of	ADP
gujaf-88	244	4	bank	bank	NOUN
gujaf-88	244	5	specific	specific	ADJ
gujaf-88	244	6	and	and	CCONJ
gujaf-88	244	7	macroeconomic	macroeconomic	ADJ
gujaf-88	244	8	factors	factor	NOUN
gujaf-88	244	9	on	on	ADP
gujaf-88	244	10	nonperforming	nonperforme	VERB
gujaf-88	244	11	loans	loan	NOUN
gujaf-88	244	12	in	in	ADP
gujaf-88	244	13	commercial	commercial	ADJ
gujaf-88	244	14	banks	bank	NOUN
gujaf-88	244	15	in	in	ADP
gujaf-88	244	16	kenya	kenya	PROPN
gujaf-88	244	17	:	:	PUNCT
gujaf-88	244	18	a	a	DET
gujaf-88	244	19	comparative	comparative	ADJ
gujaf-88	244	20	panel	panel	NOUN
gujaf-88	244	21	data	data	VERB
gujaf-88	244	22	analysis	analysis	NOUN
gujaf-88	244	23	.	.	PUNCT
gujaf-88	245	1	advances	advance	NOUN
gujaf-88	245	2	in	in	ADP
gujaf-88	245	3	management	management	NOUN
gujaf-88	245	4	and	and	CCONJ
gujaf-88	245	5	applied	apply	VERB
gujaf-88	245	6	economics	economic	NOUN
gujaf-88	245	7	,	,	PUNCT
gujaf-88	245	8	3(2	3(2	NUM
gujaf-88	245	9	)	)	PUNCT
gujaf-88	245	10	,	,	PUNCT
gujaf-88	245	11	135	135	NUM
gujaf-88	245	12	.	.	PUNCT
gujaf-88	246	1	wood	wood	NOUN
gujaf-88	246	2	,	,	PUNCT
gujaf-88	246	3	a.	a.	NOUN
gujaf-88	246	4	,	,	PUNCT
gujaf-88	246	5	&	&	CCONJ
gujaf-88	246	6	skinner	skinner	PROPN
gujaf-88	246	7	,	,	PUNCT
gujaf-88	246	8	n.	n.	PROPN
gujaf-88	246	9	(	(	PUNCT
gujaf-88	246	10	2018	2018	NUM
gujaf-88	246	11	)	)	PUNCT
gujaf-88	246	12	.	.	PUNCT
gujaf-88	247	1	determinants	determinant	NOUN
gujaf-88	247	2	of	of	ADP
gujaf-88	247	3	non	non	ADJ
gujaf-88	247	4	-	-	ADJ
gujaf-88	247	5	performing	performing	ADJ
gujaf-88	247	6	loans	loan	NOUN
gujaf-88	247	7	:	:	PUNCT
gujaf-88	247	8	evidence	evidence	NOUN
gujaf-88	247	9	from	from	ADP
gujaf-88	247	10	commercial	commercial	ADJ
gujaf-88	247	11	banks	bank	NOUN
gujaf-88	247	12	in	in	ADP
gujaf-88	247	13	barbados	barbado	NOUN
gujaf-88	247	14	.	.	PUNCT
gujaf-88	248	1	the	the	DET
gujaf-88	248	2	business	business	PROPN
gujaf-88	248	3	&	&	CCONJ
gujaf-88	248	4	management	management	PROPN
gujaf-88	248	5	review	review	PROPN
gujaf-88	248	6	,	,	PUNCT
gujaf-88	248	7	9(3	9(3	NUM
gujaf-88	248	8	)	)	PUNCT
gujaf-88	248	9	,	,	PUNCT
gujaf-88	248	10	44	44	NUM
gujaf-88	248	11	-	-	SYM
gujaf-88	248	12	64	64	NUM
gujaf-88	248	13	.	.	PUNCT
gujaf-88	248	14	11	11	NUM