id	keyword
gujaf-304	banks
gujaf-304	money banks
gujaf-304	deposit money
gujaf-304	accounting
gujaf-304	nigeria
gujaf-304	finance
gujaf-304	university
gujaf-304	state
gujaf-304	turnover
gujaf-304	department
gujaf-304	journal
gujaf-304	profitability
gujaf-304	gusau
gujaf-304	issue
gujaf-304	vol
gujaf-304	april
gujaf-304	value
gujaf-304	loans
gujaf-304	banking
gujaf-304	effect