id	keyword
gujaf-389	literacy
gujaf-389	microfinance
gujaf-389	business
gujaf-389	women
gujaf-389	access
gujaf-389	sustainability
gujaf-389	journal
gujaf-389	entrepreneurs
gujaf-389	nigeria
gujaf-389	effect
gujaf-389	mediation
gujaf-389	smes
gujaf-389	rural
gujaf-389	services