id	keyword
gujaf-113	performance
gujaf-113	banks
gujaf-113	quality
gujaf-113	university
gujaf-113	countries
gujaf-113	accounting
gujaf-113	state
gujaf-113	department
gujaf-113	study
gujaf-113	economic
gujaf-113	finance
gujaf-113	development
gujaf-113	prof
gujaf-113	value
gujaf-113	journal
gujaf-113	africa
gujaf-113	institutions
gujaf-113	banking
gujaf-113	model