id	keyword
gujaf-317	banking
gujaf-317	accounting
gujaf-317	university
gujaf-317	journal
gujaf-317	banks
gujaf-317	state
gujaf-317	nigeria
gujaf-317	finance
gujaf-317	effect
gujaf-317	performance
gujaf-317	department
gujaf-317	prof
gujaf-317	interest
gujaf-317	gusau
gujaf-317	deposit
gujaf-317	issue
gujaf-317	vol
gujaf-317	october
gujaf-317	model