id	keyword
gujaf-373	literacy
gujaf-373	microfinance
gujaf-373	business
gujaf-373	women
gujaf-373	access
gujaf-373	sustainability
gujaf-373	journal
gujaf-373	entrepreneurs
gujaf-373	nigeria
gujaf-373	effect
gujaf-373	mediation
gujaf-373	smes
gujaf-373	rural
gujaf-373	services