id	keyword
gujaf-379	risk
gujaf-379	literacy
gujaf-379	investment
gujaf-379	tolerance
gujaf-379	sme
gujaf-379	decisions
gujaf-379	smes
gujaf-379	journal
gujaf-379	risk tolerance
gujaf-379	zamfara
gujaf-379	study
gujaf-379	finance
gujaf-379	state
gujaf-379	owners
gujaf-379	nigeria
gujaf-379	business